JP2002183338A - Damage evaluation method and information processing device and storage medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To promote efficiency of a work for damage evaluation such as the estimate of a repair cost of a damaged vehicle or the like. SOLUTION: The normal vehicle shape (normal vehicle shape data 307) and the part loading position (part loading position data 308) are overlapped and compared each other based on photographic image data 306 such as a digital image or the like of a damaged vehicle, and hereby damaged parts and the damage degree of the damaged vehicle are recognized automatically and housed in damaged part data 309. Several repair methods relative to the damaged parts and the damage degree are extracted from repair method data 310, and the costs such as wages, a part cost or the like are calculated from the repair methods based on repair wage data 311, part cost data 312 or the like, thereby selecting the optimum repair method, and an estimation sheet of the repair cost (repair estimation data 314) is easily produced without requiring a skill or the like based on the information on the selected repair method and the cost.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a damage evaluation technology, an information processing technology, and a storage medium, and more particularly, to a damage evaluation of an object of non-life insurance, and more particularly, to a work for estimating a vehicle repair cost of an accident vehicle. And effective technology.

[0002]

2. Description of the Related Art For example, in the operation of non-life insurance, it is important to accurately and promptly evaluate the damage to an insurance object from the viewpoint of optimizing the expenditure of insurance money.

[0003] Conventionally, for example, in the repair work of an accident vehicle in vehicle insurance or the like, an appraiser (adjuster) of an insurance company's repair cost confirms the damage of the accident vehicle that has entered the repair shop, and confirms the damage with the adjuster and the repair shop or the repair shop. Only the adjuster makes a repair cost estimate, and when agreement is reached, the agreement is concluded and repair of the accident vehicle begins.

[0004] Estimation work for repair is a complicated work such as determining whether to repair or replace a damaged part and estimating the work time. While actually confirming the accident vehicle, the experience and intuition of the person in charge are utilized. Or perform complicated tasks such as referring to manual materials. For relatively light accident vehicles, a repair shop and an insurance company have agreed on repair costs based on digital images. In the future, for simple repairs, agencies other than specialists are also planning to create quotes, based on digital images,
There is a need to improve the efficiency of repair cost estimation work.

[0005]

In the conventional estimate of the repair of an accident vehicle, since the estimate is made by referring to the experience and intuition of the person in charge (adjuster) or manual materials,
There is a technical problem that it requires skill, takes a long time, and increases labor costs.

[0006] Further, there is a technical problem that estimation results vary due to the experience and intuition of the person in charge, and it is difficult to standardize the estimation work.

An object of the present invention is to provide a technique capable of quickly and accurately evaluating the damage of an object to be evaluated without requiring skill.

Another object of the present invention is to provide a technique capable of reducing labor costs required for damage evaluation of an evaluation object.

Another object of the present invention is to provide a technique capable of realizing standardization of damage evaluation work on an evaluation object.

[0010] Another object of the present invention is to provide a technique capable of optimizing the expenditure on non-life insurance and reducing the operating cost of insurance business.

[0011]

According to the present invention, a first step of acquiring image information of an evaluation object, and automatically recognizing at least a part of the degree of damage of the evaluation object based on the image information. A second step of calculating a repair cost required for repairing the damage.

Further, according to the present invention, an image information input means for acquiring image information of an evaluation object, and
An information processing apparatus comprising: an arithmetic unit for automatically recognizing at least a part of the degree of damage to an evaluation target and calculating a repair cost required for repairing the damage.

In the present invention, at least a part of the degree of damage to the evaluation object is automatically recognized based on the first step of inputting image information of the evaluation object and the image information, and the damage is evaluated. A computer-readable storage medium storing a computer program for executing the second step of calculating a repair cost required for the repair is provided.

More specifically, as an example, when the object to be evaluated is a vehicle, a damaged part and a degree of damage are automatically recognized by comparing the digital image of the accident vehicle with a normal vehicle shape. I do. Also, some repair methods for the damaged parts and the degree of damage are extracted, and the optimal repair method is selected by calculating the cost of labor and parts from the repair method. Based on the above repair methods and costs, make a simple estimate of the repair cost.

That is, a vehicle repair cost estimating system having repair wage data and parts cost data such as desorption / replacement replacement, sheet metal, painting, and the like is provided by a means for reading a digital image of an accident vehicle, a damaged part and a degree of damage from a digital image of the accident vehicle. Means for recognizing and storing damaged part data, means for repairing parts (detachment replacement, sheet metal, painting) based on damaged part data, means for extracting parts cost and storing in repair method data, repair method Means for calculating the labor cost and parts cost corresponding to, means for selecting the repair method that has the best cost when there are multiple repair methods, means for generating an estimate based on the cost of the repair method, It consists of.

[0016]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a flowchart showing an example of an overall operation of an information processing apparatus for implementing a damage evaluation method according to one embodiment of the present invention, and FIG. 2 is a flowchart showing damages according to one embodiment of the present invention. FIG. 3 is a conceptual diagram illustrating an example of a configuration of an information processing device that performs an evaluation method.

In the information processing apparatus according to the embodiment illustrated in FIG. 2, reference numeral 201 denotes a central processing unit that executes various programs, 202 denotes a main storage device, and 203 denotes an input device for a user to input data. And 204, a display device for displaying processing results, 205, a storage device for storing various programs and data, 206, an input / output interface, and 207, a digital camera for storing digital images.

In the information processing apparatus according to the present embodiment,
A computer program that executes a damage evaluation method as illustrated in a flowchart of FIG. 1 described below is read from a portable storage medium (not shown) such as a CD-ROM, an FD, a DVD-ROM, and a nonvolatile semiconductor memory and installed. (Not shown).

As the information processing apparatus of the present embodiment, any information processing apparatus such as a large computer, a workstation, a personal computer, a portable computer, a mobile communication terminal having an information processing function, and the like can be used. The photographing device such as the digital camera 207 may be integrated with the information processing device, or may be separated and used independently.

The information processing apparatus according to the present embodiment is, for example, based on a digital image of an accident vehicle, as described later.
Automatically recognizes damaged parts and degree of damage by comparing with normal vehicle shape, extracts some repair methods for damaged parts and damage degree, and calculates labor and parts costs from repair methods. Thereby, it operates as a vehicle estimation system having a function of selecting an optimum repair method and creating an estimate of the repair cost based on the repair method and the cost.

That is, FIG. 3 is a conceptual diagram showing an example of a functional configuration of an information processing apparatus for executing the damage evaluation method according to one embodiment of the present invention. In FIG. 3, 301 is
Estimation method control means for controlling a repair cost estimation method, 302
Is a damaged part recognizing means for recognizing a damaged part based on a digital image; 303 is a repair method extracting means for extracting a repair method of the damaged part; 304 is a labor data calculating means for calculating a labor for the repair method; Is a repair quotation creating means for creating repair quotation data; 306 is photographic image data of the accident vehicle composed of a digital image of the accident vehicle;
7 is normal vehicle shape data, 308 is component mounting position data, 309 is damaged component data, 310 is repair method data, 311 is repair labor data, 312 is parts cost data, 313 is painting labor / Material cost data, 314
Is the repair estimate data of the damaged part.

FIGS. 4 to 6 show examples of image data in which image information of a normal vehicle and images of a damaged accident vehicle are displayed on the left and right sides. For the normal vehicle, a figure obtained by rotating the appearance shape data (normal vehicle shape data 307) of the normal vehicle is displayed so as to have the same viewpoint as the digital image (photograph image data 306) of the accident vehicle. For example, FIG. 4 shows an example in which the photographed images are displayed in a diagonal left direction, FIG.

FIGS. 7 to 9 show mounting positions of parts of a normal vehicle. FIG. 7 shows the component mounting position when viewed from the front, FIG. 8 shows the component position when viewed from directly above, and FIG.
Indicates the component position when viewed from the side. FIG. 10 shows an example of the component mounting position data 308. 501
Is the component name, 502 is the position coordinates (start point, end point) of the component from the reference point when viewed from the front, 503 is the position coordinates (start point, end point) of the component from the reference point when viewed from above, and 504 is Indicates the position coordinates (start point, end point) of the component from the reference point when viewed from the side. Based on this, a part different from the normal vehicle is extracted from a damaged part of the accident vehicle, and a part located at the damaged part and expected to be damaged is specified.

FIG. 11 is an explanatory diagram showing an example of the structure of the damaged part data 309. The damaged part recognized by the damaged part recognizing means 302, the degree of damage, and the damaged area are stored from the damaged part obtained from the image data of the accident vehicle and the component mounting position of the normal vehicle. FIG. 11 shows an example in which it is recognized that the fender and the blinker lamp are damaged. In FIG. 11, reference numeral 601 denotes a serial number of a damaged component, 602 denotes a component code, 603 denotes a component name, 604 denotes a damage degree of the component, and 605 denotes a damaged area.

FIG. 12 shows repair method data 31 of a damaged part.
FIG. 4 is an explanatory diagram showing an example of a configuration of No. 0. Stores data on repair methods corresponding to damaged parts and the degree of damage. FIG. 12 shows an example of sheet metal and painting for a fender, replacement work for a blinker lamp, and repair of parts cost. In the figure, 7
01 is a serial number, 702 is a repair code, 703 is
This is the part name.

FIG. 13 is an explanatory diagram showing an example of the configuration of the desorption / replacement wage data 311A in the repair wage data 311. Stores wage data for replacement work for damaged parts. FIG. 13 shows an example of wages for the replacement work of the blinker lamp and the fender. Referring to FIG.
Is a serial number, 802 is a work code, 803 is a work name, and 804 is a wage for the work.

FIG. 14 is an explanatory diagram showing an example of the configuration of the sheet metal correction wage data 311B in the repair wage data 311. Stores wage data for sheet metal work. FIG.
The following shows an example of wage data for sheet metal work for fenders. In FIG. 14, 1001 is a serial number, 1002
Is the work code, 1003 is the work name, 1004 is
Damage levels 1005, 1006, and 1007 are wage data for each damaged area to be repaired.

FIG. 15 is an explanatory diagram showing an example of the configuration of the component cost data 312. The part price of each part is stored.
FIG. 15 shows an example of the price of a component such as a blinker lamp. In FIG. 15, 901 is a serial number, 902 is
A part code, 903 is a part name, and 904 is a part price.

FIG. 16 is a graph showing painting wage / material cost data 313.
FIG. 4 is an explanatory diagram showing an example of the configuration of FIG. Stores wage data for painting work. FIG. 16 shows an example of wage data of a painting operation for a fender or the like. In FIG.
1101 is a serial number, 1102 is a part code, 11
03 is the part name, 1104 is the painting wage, 1105
Is the material cost.

FIG. 17 is an explanatory diagram showing an example of the structure of the estimate data (repair estimate data 314). Stores wages and parts costs for parts repair methods. In FIG.
The following shows examples of fender sheet metal, painting, blinker lamp replacement, and parts repair costs. 17, 1201 is a serial number, 1202 is a part code, 1203 is work content and part name, 1204 is a part price, 1205 is a labor cost, and 1206 is a total cost.

Hereinafter, an example of the operation of the present embodiment will be described.

In the flowchart of FIG. 1, in step 101, information (for example, vehicle type, vehicle name, year, etc.) for specifying the type of the vehicle to be estimated is input. In addition,
Information such as a vehicle type may be automatically recognized from the photographic image data 306 of the accident vehicle described later.

In step 102, a digital image of the accident vehicle is read. In this case, as exemplified in FIG.
The information may be input from the digital camera 207, or may be input via an information network (not shown).

In step 103, a digital image of the accident vehicle (photo image data 306 of the accident vehicle) and normal vehicle shape data 307 are displayed as shown in FIGS.

At step 104, the digital image of the accident vehicle is compared with the normal vehicle shape data 307 and the component mounting position data 308 (for example, the normal vehicle shape and the component mounting position are superimposed and compared), and the accident vehicle is compared. The damaged part (for example, a fender), the degree of damage, and the damaged area are automatically recognized and stored in the damaged part data 309.

In step 105, the damaged part data 30
Based on No. 9, the repair method for the damaged part (for example, sheet metal of a fender) is extracted, and if the damaged area penetrates the part, the part is replaced.
It is stored in the repair method data 310.

In step 106, the repair method data 31
With reference to 0, repair labor data 311, parts cost data 312, etc., the labor for the repair method is calculated. In step 107, if there is another repair method, the process returns to step 105 to calculate the labor cost of the repair method. If not, proceed to step 108.

In step 108, if there are a plurality of repair methods (for example, replacement of a fender), the total cost is compared, and an inexpensive repair method is selected.

In step 109, the painting cost is calculated with reference to the painting labor / material cost data 313 and the like. In step 110, the total repair cost is calculated and stored in the repair estimate data 314.

In step 111, the total repair cost is compared with the vehicle price, and if the total repair cost exceeds the vehicle price, no repair is executed as a total loss. If not exceeded, repair is executed as a loss.

Also, if necessary, in step 111, the estimated factory price from an external repair shop is compared with the contents of the damaged part data 309, repair method data 310, repair estimate data 314, and the like. It is also possible to evaluate whether or not the factory estimated amount and the contents of the claim (list of repaired parts, repair parts, etc.) are appropriate.

The configuration of the information processing apparatus for executing the damage evaluation method according to the present embodiment is not limited to the configuration illustrated in FIG. 2, but may be the configuration illustrated in FIG.

That is, in the configuration example of FIG. 18, a configuration may be employed in which the vehicle information server 210 is connected via the network interface 208 to an information network 209 such as the Internet, and the information network 209. This vehicle information server 2
Reference numeral 10 denotes an information site operated by, for example, an automobile maker, a part maker, or an industry organization, and has accumulated therein information on the latest appearance images of vehicle models, component parts, repair techniques, and the like received from the automobile maker, the parts maker, and the like. .

That is, since a new product is released or a model change is performed relatively frequently on an evaluation object such as an automobile, for example, normal vehicle shape data 307, component mounting position data 308, repair method data 310, repair By placing information that can change frequently depending on the vehicle type in the vehicle information server 210, such as labor cost data 311, parts cost data 312, and coating cost / material cost data 313, the latest information is always provided for the accident vehicle repair cost. It can be used for damage assessment work such as estimation.

Thus, normal vehicle shape data 307, component mounting position data 308, repair method data 310, repair labor data 311, parts cost data 312, painting labor / The information such as the material cost data 313 does not need to be stored in the information processing device that performs the damage evaluation method, and the capacity of the storage device 205 can be reduced. Damage assessment becomes possible.

A computer program for performing the damage evaluation method exemplified in FIG. 1 and the like is installed in an information processing apparatus from an external site such as the vehicle information server 210 via the information network 209. Is also good.

As described above, according to the damage evaluation method of the present embodiment, based on the digital photographic image data 306 of the accident vehicle, the normal vehicle shape data 307 and the component mounting position (component mounting position) By superimposing the data 308), it is possible to automatically recognize the damaged part and the degree of damage in the accident vehicle. Further, by extracting a repair method for the damaged part and the degree of damage, and calculating some costs such as labor and parts from a plurality of possible repair methods, an optimum repair method can be selected. Then, based on the information on the repair method and the cost, a repair cost estimate (repair estimate data 314) can be created quickly, objectively and simply.

As a result, it becomes possible to quickly and accurately evaluate the damage of an object to be evaluated such as an accident vehicle without requiring skill. In addition, as long as photograph image data of the accident vehicle is available, anyone can easily evaluate the accident, reducing the number of adjusters and other specialists required to evaluate the damage of the evaluation object such as the accident vehicle, and reducing labor costs. It becomes possible to reduce. In addition, it is possible to eliminate the variation in the evaluation caused by the subjectivity and skill of the person in charge (adjuster) and to standardize the damage evaluation work on the evaluation object. In addition, it is possible to realize appropriate expenditure for non-life insurance such as vehicle insurance, reduction in operating cost of insurance business, and the like.

The invention described in the claims of the present application is expressed in another way as follows.

In a vehicle repair cost estimating system having a display device, a storage device, a central processing unit, an output device, and an input / output interface with a digital camera, repair wage data and parts cost data for detachment / replacement, sheet metal, painting, etc. Based on (1) the digital image of the accident vehicle from the digital camera, (2) automatically recognize the damaged parts and the degree of damage based on the digital image of the accident vehicle,
(3) Extract some repair costs according to the degree of damage of damaged parts, (4) calculate repair costs such as labor, parts and material costs for each repair method, and (5) calculate repair costs for each repair method Compare the costs, select the repair method that gives the best cost, (6)
A method for estimating a vehicle repair cost, which automatically generates a repair cost estimate.

Although the invention made by the present inventor has been specifically described based on the embodiments, the present invention is not limited to the above-described embodiments, and can be variously modified without departing from the gist thereof. Needless to say, there is.

In the above description of the embodiment, the case of an accident vehicle has been described as an example of the evaluation object.
It can be widely applied to damage assessment of houses and other non-life insurance items.

[0054]

According to the present invention, it is possible to quickly and accurately evaluate the damage of the object to be evaluated without requiring skill.

Further, an effect is obtained that the labor cost required for the damage evaluation of the evaluation object can be reduced.

Further, there is an effect that standardization of the damage evaluation work of the evaluation object can be realized.

Further, it is possible to achieve the effect of optimizing the expenditure on non-life insurance and reducing the operation cost of insurance business.

[Brief description of the drawings]

FIG. 1 is a flowchart illustrating an example of an overall operation of an information processing apparatus that executes a damage evaluation method according to an embodiment of the present invention.

FIG. 2 is a conceptual diagram illustrating an example of a configuration of an information processing apparatus that performs a damage evaluation method according to an embodiment of the present invention.

FIG. 3 is a conceptual diagram illustrating an example of a functional configuration of an information processing apparatus that performs a damage evaluation method according to an embodiment of the present invention.

FIG. 4 is an explanatory diagram showing an example of image data of a normal vehicle and an accident vehicle used in the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 5 is an explanatory diagram showing an example of image data of a normal vehicle and an accident vehicle used in the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 6 is an explanatory diagram showing an example of image data of a normal vehicle and an accident vehicle used in the information processing device that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 7 is an explanatory diagram showing an example of component mounting position data used in the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 8 is an explanatory diagram showing an example of component mounting position data used in the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 9 is an explanatory diagram illustrating an example of component mounting position data used in the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 10 is an explanatory diagram showing an example of a configuration of component mounting position data used in an information processing apparatus that performs a damage evaluation method according to an embodiment of the present invention.

FIG. 11 is an explanatory diagram showing an example of damaged part data generated by the information processing device that executes the damage evaluation method according to one embodiment of the present invention.

FIG. 12 is an explanatory diagram showing an example of repair method data generated by the information processing device that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 13 is an explanatory diagram showing an example of wage data used in the information processing device that executes the damage evaluation method according to one embodiment of the present invention.

FIG. 14 is an explanatory diagram illustrating an example of wage data used in the information processing device that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 15 is an explanatory diagram illustrating an example of component cost data used in the information processing apparatus that performs the damage evaluation method according to an embodiment of the present invention.

FIG. 16 is an explanatory diagram showing an example of coating wage / material cost data used in the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 17 is an explanatory diagram showing an example of a configuration of repair estimate data generated by the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

FIG. 18 is a conceptual diagram showing a modified example of the configuration of the information processing apparatus that performs the damage evaluation method according to one embodiment of the present invention.

[Explanation of symbols]

201: central processing unit, 202: main storage device, 203:
Input device, 204: display device, 205: storage device, 20
Reference numeral 6: input / output interface, 207: digital camera, 208: network interface, 209: information network, 210: vehicle information server, 301: estimation method control means, 302: damaged part recognition means, 303:
Repair method extraction means, 304 ... labor data calculation means, 30
5: Repair estimate creation means, 306: Photo image data, 30
7: normal vehicle shape data, 308: component mounting position data, 309: damaged component data, 310: repair method data, 311: repair labor data, 311A: desorption replacement labor data, 311B: sheet metal correction labor data, 312: parts Cost data, 313 ... Painting / material cost data, 314 ...
Repair estimation data, 501: part name, 502: component position coordinates viewed from the front of the vehicle, 503: component position coordinates viewed from the top of the vehicle, 504: component position coordinates viewed from the side of the vehicle, 601: serial number, 602 … Part code, 603…
Part name, 604: Damage degree, 605: Damage area, 70
1 ... serial number, 702 ... repair code, 703 ... part name, 801 ... serial number, 802 ... work code, 803 ...
Work name, 804 ... wage, 901 ... serial number, 902 ...
Part code, 903: part name, 904: part price, 1
001 ... serial number, 1002 ... work code, 1003 ...
Work name, 1004 ... degree of damage, 1005-1007 ...
Labor data, 1101 ... Serial number, 1102 ... Part code, 1103 ... Part name, 1104 ... Painting labor, 110
5 ... material cost, 1201 ... serial number, 1202 ... part code, 1203 ... part name, 1204 ... part price, 120
5 ... Wages, 1206 ... Total expenses.

Claims (5)

[Claims] A first step of acquiring image information of the evaluation object; and automatically recognizing at least a part of a degree of damage of the evaluation object based on the image information, and recovering the damage. A second step of calculating a required repair cost. 2. The damage evaluation method according to claim 1, wherein the object to be evaluated is an accident vehicle, and in the second step, appearance information and internal structure information of a normal vehicle of the same kind as the accident vehicle; Recognizing the degree of the damage based on the image information of the accident vehicle and calculating the repair cost by selecting a repair method with the least cost from a plurality of repair methods related to the recognized damage. Damage assessment method. 3. An image information input means for acquiring image information of an evaluation object; and automatically recognizing at least a part of a degree of damage of the evaluation object based on the image information, and repairing the damage. An information processing apparatus, comprising: a calculating means for calculating a repair cost required for the information processing apparatus. 4. The information processing apparatus according to claim 3, wherein the image information input unit is a digital camera that captures the image information of the accident vehicle as a digital image, and the arithmetic unit is of the same type as the accident vehicle. Recognizing the extent of the damage based on the appearance information and internal structure information of the normal vehicle and the digital image of the accident vehicle, a repair method with the least cost from a plurality of repair methods for the recognized damage. An information processing apparatus having a function of selecting and calculating the repair cost. 5. A first step of inputting image information of an evaluation object, and automatically recognizing at least a part of a degree of damage of the evaluation object based on the image information, and recovering the damage. A second step of calculating the required repair costs;
A computer-readable storage medium storing a computer program for executing the program.