TWI709935B - Automatic claim application method and system thereof - Google Patents

Abstract

An automatic claim application method is disclosed herein. The method includes the following operations: transmitting a trigger signal to an electronic device by an event detecting unit, when the event detecting unit detects an object collision event; transmitting a collision information to a claim server by the electronic device according to the trigger signal; utilizing the electronic device to capture an image of an object; utilizing the electronic device to transmit the image of the object to the claim server; and generating a claim document according to the image of the object by the claim server.

Description

Automatic claim application method and system

This case relates to an automatic claim application method and system, and in particular, it relates to an automatic claim application method and system in connection with a car accident.

When a vehicle accident occurs, in addition to the occurrence of casualties, it is also accompanied by vehicle damage. At the moment of the accident, it is often impossible to record the damage of the vehicle. When a vehicle is transferred to a garage for repairs, the assessment of the damage to the vehicle by the garage’s employees may also differ from the owner’s perception, causing difficulties in insurance claims afterwards. Therefore, how to enable the car owner to record the damage of the vehicle and notify the insurance company, the police or the emergency contact person of the accident in real time when the car accident occurs is a problem to be solved in this field.

The main purpose of the present invention is to provide an automatic claim settlement application method and system, which is mainly to improve the failure to record the complete record of vehicle damage when a car accident occurs, causing errors in the evaluation of vehicle damage The problem of using real-time recording of the damage condition of the impacted car body, after uploading to the cloud server, the cloud server will automatically generate a claim settlement receipt according to the damage condition of the car body.

In order to achieve the above objective, the first aspect of this case is to provide an automatic claim application method. The method includes the following steps: when the event detection unit detects an object impact event, the event detection unit transmits a trigger signal to the electronic device ; According to the trigger signal, the electronic device sends an impact message to the claims server; where the impact message includes the location of the impact event, the time of the impact event, and the number of the impact object; the image data of the object is captured by the electronic device; The image data is sent to the claims server; and the claims server will generate a claim receipt based on the image data of the object.

The second aspect of this case is to provide an automatic claims application system, which includes: a claims server, an event detection unit, an electronic device, and a storage device. The electronic device is in communication with the claims server and the event detection unit, and the storage device is electrically connected with the claims server. The event detection unit is used to detect the impact event and transmit a trigger signal. The electronic device is used to send the impact message to the claims server according to the trigger signal, and photograph the image data of the object to send the image data to the claims server. The storage device is used to store image data and impact information; wherein, the claims server is used to generate a claim settlement document based on the image data of the object; the impact information includes the location of the impact event, the time of the impact event, and the number of the impact object.

The automatic claim application method and system of the present invention are mainly to improve the inability to record the complete record of vehicle damage when a car accident occurred in the past, and cause errors in the evaluation of the vehicle damage condition, using real-time recording Record the damage condition of the impacted car body, and after uploading it to the cloud server, the cloud server will automatically generate a claim settlement receipt based on the damage condition of the car body.

100, 400‧‧‧Automatic Claim Application System

110‧‧‧Claim Server

120‧‧‧Event Detection Unit

130‧‧‧Electronic device

140‧‧‧Storage device

200‧‧‧Automatic Claim Application Method

TS‧‧‧Trigger signal

CM‧‧‧Confirmation message

IM‧‧‧Impact message

NM‧‧‧Notification message

EM‧‧‧Event occurrence message

S210~S250‧‧‧Step

In order to make the above and other objectives, features, advantages and embodiments of the present invention more obvious and understandable, the description of the accompanying drawings is as follows: Figure 1 is an automatic claim application system based on some embodiments of the present case Schematic diagram; Figure 2 is a flowchart of an automatic claim application method drawn according to some embodiments of this case; Figure 3A is a schematic diagram of the confirmation message drawn according to some embodiments of the present case; Figure 3B is a schematic diagram of the impact message drawn according to some embodiments of the present case; Figure 3C is a schematic diagram of the notification message drawn according to some embodiments of this case; Figure 3D is a schematic diagram of event occurrence messages drawn according to some embodiments of this case; and Figure 4 is a schematic diagram of an automatic claims application system drawn according to some embodiments of this case.

The following disclosure provides many different embodiments or illustrations for implementing different features of the present invention. The components and configurations in the special case are discussed below Used to simplify this disclosure. Any examples discussed are only for illustrative purposes, and will not limit the scope and significance of the present invention or its examples in any way. In addition, the present disclosure may repeatedly quote numerals and/or letters in different examples. These repetitions are for simplification and explanation, and do not specify the relationship between the different embodiments and/or configurations in the following discussion.

Please refer to Figure 1. FIG. 1 is a schematic diagram of an automatic claims application system 100 according to some embodiments of the present case. As shown in FIG. 1, the automatic claim application system 100 includes a claims server 110, an event detection unit 120, an electronic device 130 and a storage device 140. The electronic device 130 is in communication connection with the claims server 110 and the event detection unit 120, and the storage device 140 is electrically connected with the claims server 110. The event detection unit 120 is used for detecting an impact event and transmitting the trigger signal TS to the electronic device 130. The electronic device 130 is used for sending the impact message to the claims server 110 according to the trigger signal TS, and photographing the image data of the object to send the image data to the claims server 110. The storage device 140 is used for storing image data and impact information. The claims server 110 is used to generate a claim document based on the image data of the object.

In each embodiment of the present invention, the event detection unit 120 can be implemented as an integrated circuit such as a microcontroller, a microprocessor, a digital signal processor, and a special application integrated circuit ( Application specific integrated circuit (ASIC), logic circuit or other similar components or a combination of the above components. The electronic device 130 may be implemented as a combination of a smart phone, a tablet computer, a mobile device, or other similar components. The storage device 140 can be implemented as a memory, a hard disk, a flash drive, a memory card, etc.

Please refer to Figure 2. Fig. 2 is a flowchart of an automatic claim application method 200 according to some embodiments of the present case. In one embodiment, the automatic claim application method 200 shown in FIG. 2 can be applied to the automatic claim application system 100 in FIG. 1. As shown in FIG. 2, the automatic claim application method 200 first executes step S210 when the event detection unit 120 detects an object impact event, the event detection unit transmits a trigger signal TS to the electronic device 130. In one embodiment, the event detection unit 120 will detect whether the vehicle has suddenly braked, accelerated or turned sharply. If it detects that the speed or angular velocity of the vehicle has changed too much, the event detection unit 120 will determine that the vehicle may be A car accident occurs, so the trigger signal TS is sent to the electronic device 130. In an embodiment, the event detection unit 120 can also be implemented as a gyroscope, a three-axis acceleration sensor, etc.

Continuing the above embodiment, the automatic claim application method 200 will then execute S220 according to the trigger signal TS through the electronic device 130 to send an impact message to the claims server 110. In one embodiment, when the electronic device 130 receives the trigger signal TS, the electronic device 130 is used to generate a confirmation message, and the electronic device 130 transmits the impact message to the claims server 110 according to the confirmation message. Please refer to FIG. 3A. FIG. 3A is a schematic diagram of the confirmation message CM drawn according to some embodiments of the present application. As shown in Figure 3A, after the electronic device 130 receives the trigger signal TS, it will generate a confirmation message CM for the user to confirm, to confirm whether the user is in an emergency, the user needs to click "Yes" within the set time Or "No". The setting time can be set to 1 minute or 30 seconds to allow the user to confirm the length of time. The confirmation message CM is used to avoid misjudgment by the event detection unit 120.

Please refer to FIG. 3B again. FIG. 3B is a schematic diagram of the impact message IM drawn according to some embodiments of the present application. As shown in Figure 3B, the impact message IM includes the location of the impact event, the time when the impact event occurred, and the number of the impacting object. The number of the colliding object may be the license plate number of the vehicle, or the number registered in the claims server 110 by the vehicle.

Following the above embodiment, after the electronic device 130 sends the impact message IM to the claims server 110, the claims server 110 will send a notification message NM to the electronic device 130 according to the impact message IM. Please refer to FIG. 3C. FIG. 3C is a schematic diagram of the notification message NM drawn according to some embodiments of the present application. As shown in Figure 3C, the notification message NM includes the person's name, the person's number, and the person's contact information. For example, after receiving the crash message IM, the claims server 110 will automatically assign a service specialist to the scene of the car accident to assist the user in handling the car accident, and also send a notification message NM to the electronic device 130 to notify the user Personal information of the appointed service specialist.

Following the above embodiment, after the electronic device 130 sends the impact message IM to the claims server 110, the claims server 110 will send an event occurrence message EM to at least one contact in the contact list according to the impact message IM. Please refer to FIG. 3D, which is a schematic diagram of the event occurrence message EM drawn according to some embodiments of the present application. As shown in Figure 3D, the event occurrence message includes the name of the person, the location of the impact event, and the time of the impact event. For example, after receiving the impact message IM, the claims server 110 will automatically notify the user of the contact person filled in the emergency contact list, and send the event occurrence message EM to the contact person’s smartphone to connect The user's emergency contact person, when and where the user has the car accident.

Then, the automatic claim application method 200 further executes step S230 to use the electronic device 130 to photograph the image data of the object. In one embodiment, the user can photograph the damage condition of the car body according to the guidance message appearing in the electronic device 130. For example, the electronic device 130 will display please take a picture of the front right wheel of the car body, or please take a picture of the car body. This disclosure is not limited to information such as the position of the rear bumper of the body. In another embodiment, the user can also use the guidance message displayed in the electronic device 130 to record the damage to the vehicle body.

Then, the automatic claim application method 200 further executes step S240 to use the electronic device 130 to transmit the image data of the object to the claims server 110, and step S250. The claims server 110 generates a claim document based on the image data of the object. Following the above embodiments, the user can send the image or video of the car body to the claims server 110, and the claims server 110 will analyze the content of the image or video to determine which area of the car body the image or video content corresponds to. And determine the amount of compensation based on the condition of the damaged area. For example, after the claims server 110 determines that the image content is the right front wheel of the car body, and finds that the right front wheel is the damaged part of the car body, it then compensates the corresponding amount.

Continuing the above embodiment, the claims server 110 can use the data of past claims, the appearance image of the car body, and the damage effect of the car body to train the car body recognition model. When the car body recognition model is established, it can be used The content of the image or video uploaded by the user is judged to produce the corresponding compensation result. Support vector machine (SVM), convolutional neural network (Convolutional neural network) can be used Network, CNN) or K-Nearest neighbor algorithm (KNN) and other methods are used to train the vehicle body recognition model.

Then, the user can pre-set the insurer’s personal data and the insurer’s signature on the claims server 110. Therefore, after the user uploads the vehicle’s image data, he can directly apply for claims without providing additional information. Documents or application documents. If the claims server 110 generates a corresponding compensation result, it can directly generate a claim settlement document to settle the user's claim.

It can be seen from the above implementation of this case that it is mainly to improve the failure to record the complete record of the vehicle damage when the previous car accident occurred, which caused errors in the evaluation of the vehicle damage condition. The real-time record of the damage condition of the impacted car body was uploaded to After the claims server, the claims server will determine the damage condition of the vehicle body based on the pre-built vehicle body identification model, and automatically generate a claim settlement receipt.

In another embodiment, please refer to Figure 4. FIG. 4 is a schematic diagram of an automatic claims application system 400 according to some embodiments of the present case. As shown in FIG. 4, the automatic claim application system 400 includes a claims server 110, an electronic device 130 and a storage device 140. The electronic device 130 includes an event detection unit 120 and is in communication connection with the claims server 110, and the storage device 140 is electrically connected with the claims server 110. The difference between the embodiment shown in FIG. 4 and the embodiment shown in FIG. 1 lies in the relationship between the event detection unit 120 and the electronic device 130. In this embodiment, the event detection unit 120 is the electronic device 130. One of the components in the system to detect impact events and send The signal TS is sent to the processing unit (not shown in the figure) in the electronic device 130. The subsequent operations are the same as those of the embodiment shown in FIG. 1, and will not be repeated here.

In addition, the above examples include sequential exemplary steps, but these steps need not be executed in the order shown. Performing these steps in different orders is within the scope of the present disclosure. Within the spirit and scope of the embodiments of the present disclosure, the steps may be added, replaced, changed, and/or omitted as appropriate.

Although this case has been disclosed as above by way of implementation, it is not intended to limit the case. Anyone who is familiar with this technique can make various changes and modifications without departing from the spirit and scope of the case. Therefore, the scope of protection of this case should be reviewed. The attached patent application scope shall prevail.

100‧‧‧Automatic Claim Application System

110‧‧‧Claim Server

120‧‧‧Event Detection Unit

130‧‧‧Electronic device

140‧‧‧Storage device

TS‧‧‧Trigger signal

Claims (8)

An automatic claim application method, comprising: when an event detection unit detects that an object has an impact event, the event detection unit transmits a trigger signal to an electronic device; according to the trigger signal, the electronic device transmits a Impact information to a claims server; where the impact information includes a location where the impact event occurred, a time when the impact event occurred, and a collision object number; the claims server automatically notifies a service staff based on the impact information and sends the service containing the service A notification message of the name of the person, the number of the service person, and the contact information of the service person to the electronic device; use an electronic device to shoot an image data of the object; use the electronic device to send the image data of the object to the electronic device The claims server; and the claims server will generate a claims receipt based on the image data of the object. The automatic claim application method according to claim 1, wherein after the electronic device receives the trigger signal, the electronic device is used to generate a confirmation message, and the electronic device transmits the impact message to the claims server according to the confirmation message . The automatic claim application method described in claim 1, further includes: analyzing the content of the image data to determine whether the content of the image data is correct Should be in an area of the object; and determine a claim amount based on the area of the object. According to claim 1, the automatic claim application method further includes: the claims server sends an event occurrence message to at least one contact in a contact list according to the impact message; wherein, the event occurrence message includes a person's name , The location and time of the collision. An automatic claims application system, comprising: a claims server; an event detection unit for detecting an impact event and transmitting a trigger signal; an electronic device communicating with the claims server and the event detection unit, Used to send an impact message to the claims server according to the trigger signal, and shoot an image data of an object to send the image data to the claims server; and a storage device, which is electrically connected to the claims server, Used to store the image data and the impact information; wherein, the claims server is used to generate a claim settlement receipt based on the image data of the object; the impact information includes a location where the impact event occurs, a time when the impact event occurs, and an impact object Number; where the claims server automatically notifies a service staff according to the impact message and sends the service staff’s name and the service staff’s code Number and a notification message of the service personnel’s contact information to the electronic device. The automatic claim application system according to claim 5, wherein after the electronic device receives the trigger signal, the electronic device is used to generate a confirmation message, and the electronic device transmits the impact message to the claims server according to the confirmation message . The automatic claims application system according to claim 5, wherein the claims server is further used to analyze the content of the image data to determine that the content of the image data corresponds to a region of the object; and the content of the object The area determines a claim amount. The automatic claim application system according to claim 5, wherein the claims server is further used to send an event occurrence message to at least one contact in a contact list according to the impact message; wherein, the event occurrence message includes a The name of the person, the location of the collision and the time of the collision.

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