TWI818181B - Car damage assessment system and implementation method thereof - Google Patents

Abstract

A car damage assessment system and implementation method thereof are disclosed. An App for car damage assessment is downloaded to a mobile device in advance. When a car accident happens, the said App for car damage assessment can be linked to a server after it is executed and then lead the user to take some photos about the car damage through AR (Augmented Reality). Furthermore, a car damage information is generated through the photos about the car damage and a selected damage part of the car based on a car model information sent by the server. Then the car damage information is sent to the server and is recognized deeply so that it can determine whether the damage is made artificially or not. If so, the system will alert the insurance adjuster to process the case separately. If not, the user can obtain the information about maintenance and insurance immediately. This disclosure can assist the user to capture the information about car damage and help the insurance company to recognize the damage part of a car and to find out insurance fraud so that the accuracy and efficiency of the determination of the car damage will increase.

Description

Vehicle body damage assessment auxiliary system and its implementation method

The present invention relates to a vehicle body damage assessment auxiliary system and its implementation method. In the present invention, a vehicle damage information is transmitted to a cloud server through a mobile device, so that the cloud server can identify damaged parts of the vehicle and determine whether there is insurance fraud. , so that the present invention can assist users in retrieving vehicle damage information, and assist insurance companies to improve the accuracy of identifying damaged parts in damage assessment and the efficiency of car accident handling.

Auto insurance (referred to as auto insurance) refers to a type of commercial insurance that is responsible for compensation for personal casualties or property losses caused by motor vehicles due to natural disasters or accidents. With the development of the economy, the number of passenger cars continues to increase. Currently, auto insurance has become one of the largest types of insurance in the insurance business.

When an insured vehicle suffers a traffic accident, the insurance company usually first conducts an on-site inspection and determines the damage. The damage assessment of the vehicle involves many aspects of technology and interests such as subsequent maintenance and evaluation, and is a very important process in the entire auto insurance service. With the development of technology and the business development needs for rapid loss assessment and claim settlement, when a vehicle accident occurs, the method of remote loss assessment is becoming more and more common, mainly by insurance companies (loss assessors, surveyors, or AI loss assessment). System) uses the damage photos taken by the owner of the accident car on the scene with his or her mobile phone (or other terminal device) to determine the scope and extent of damage to the accident vehicle, and then determines the repair plan, assesses the damage, etc. However, the owner of the accident car has insufficient knowledge of car insurance. Due to insufficient or limited shooting technology, when insurance companies use car damage photos taken by car owners on-site mobile phones, they often cannot distinguish damaged parts, or produce a large number of redundant invalid photos, which affects the efficiency and accuracy of damage assessment processing.

Furthermore, when a car owner files a claim for compensation after a vehicle accident, the insurance company needs to assess the degree of damage to the vehicle to determine the list of items that need to be repaired and the amount of compensation. Current assessment methods mainly include: through the insurance company or a third party The surveyor of the assessment agency conducts an on-site assessment of the vehicle involved in the accident, or the user, under the guidance of insurance company personnel, takes photos of the accident vehicle and transmits them to the insurance company through the Internet, and then the damage assessor conducts damage identification through the photos. Currently, In auto insurance applications, the identification of damage, such as confirming the degree of damage, type of damage, whether it is artificially forged, etc., mainly relies on the manual judgment of the experience of the surveyor. However, in the actual processing process, due to the different experience and judgment scale of different surveyors, They are highly subjective, and it is especially difficult for surveyors to identify malicious fraud in damage assessment. Therefore, the industry is in urgent need of a solution that can assist car owners in car accidents and identify vehicle damage more efficiently and reliably.

In view of the above problems, the inventor of the present invention has based on his many years of experience in the insurance industry to research and improve data acquisition methods for insurance systems and on-site damage assessment in car accidents. Therefore, the main purpose of the present invention is to provide an improved method. "Vehicle body damage assessment auxiliary system and its implementation method" for vehicle damage assessment processing efficiency and accuracy.

In order to achieve the above purpose, in the vehicle body damage assessment auxiliary system and its implementation method of the present invention, the user can pre-load a vehicle damage auxiliary program in the mobile device. When a car accident occurs, the vehicle damage auxiliary program can be executed after being executed. The information is connected to a cloud server and further guides the user to capture damage photos of the car body through AR (Augmented Reality), and select the car based on the 3D car body model sent by the cloud server. After looking at the injured part, a vehicle damage information is generated based on the damage photos of the car body, and then the vehicle damage information is sent to the cloud server for in-depth identification to further determine whether the damage to the car body is forged or fraudulent. If not, use Users can obtain vehicle body repair and claim settlement information in real time, so that the present invention can assist users in retrieving vehicle damage information, and assist insurance companies in identifying vehicle damage components and extent, as well as determining whether there is insurance fraud, and improving the ability to identify damaged components in loss assessment. accuracy and processing efficiency.

In order to enable you, the review committee, to clearly understand the purpose, technical features and effectiveness of the present invention, the following description is provided with illustrations, please refer to it.

Please refer to "Figure 1", which is a schematic diagram of the system composition of the present invention. The vehicle body damage assessment auxiliary system 1 shown in the figure mainly consists of more than one mobile device 10 and a cloud server 11 The mobile device 10 can be, for example, a smartphone or a tablet computer and other mobile communication devices that mainly have image capture functions, and the cloud server 11 can be set up by an insurance company or other third-party company. , and the cloud server 11 pre-stores several pieces of car owner insurance, maintenance quotations and other related information. Among them, the mobile device 10 can pre-download a car damage auxiliary program P (not shown in the figure). When a car accident occurs, the user can After executing the vehicle damage assistance program P, the report process is first completed through the program's guidance and instructions, and then the license plate of the damaged vehicle (that is, the owner's own damaged vehicle) is further retrieved to generate an identity confirmation information A, and through The mobile device 10 transmits the identity confirmation information A to the cloud server 11 through the Internet, confirms the identity of the car owner and his insurance information through the cloud server 11, and after completing the confirmation, sends a vehicle body model information B to the mobile device 10. The user can capture on-site vehicle damage photos through the mobile device 10, and then further match the vehicle body model information B to select the damaged parts of the vehicle body to generate a vehicle damage information C and send it to the cloud server 11 for processing. Analysis and identification, and the cloud server 11 can further identify whether the car accident is forged or fraudulent based on the vehicle damage information C. If not, a repair and claim information D can be generated and sent to the mobile device 10, and the repair and claim information Information D mainly includes relevant information such as car damage repair quotations, claims contracts, and nearby repair partners, so that users can choose whether to let the insurance company handle it or handle it themselves.

Please refer to "Figure 2", which shows a schematic diagram of the composition of the vehicle damage assistance program of the present invention. The mobile device 10 shown in the figure mainly has a microprocessor module 101 and an information storage module 102 , a display screen 103, a transmission module 104 and an image capture module 105, and the information storage module 102 can store the image data captured by the image capture module 105, and the mobile device 10 is preloaded There is a vehicle damage auxiliary program P. The vehicle damage auxiliary program P has a guidance module P1, and the guidance module P1 can be displayed on the display screen 103, and the guidance module P1 has an alarm unit P11, An identity recognition unit P12, a customer service unit P13 and a vehicle damage status capturing unit P14. Among them, the alarm unit P11 can be selected by the user to make a call to the relevant police unit (such as the police station) through the mobile device 10, and The identity recognition unit P12 and the vehicle damage status capturing unit P14 can drive the image capturing module 105 of the mobile device 10 to capture the image, and then match it with the vehicle body model information B transmitted by the cloud server 11 to further Identity confirmation information A and vehicle damage information C are generated, and the retrieved identity confirmation information A and vehicle damage information C will be further stored in the information storage module 102 and can be sent to the computer via the transmission module 104 through the microprocessing module 101 The cloud server 11 and the customer service unit P13 can be selected by the user to make a call to the insurance company's customer service hotline through the mobile device 10 .

Please refer to "Figure 3", which shows a schematic diagram of the composition of the cloud server of the present invention. Please refer to "Figure 1" and "Figure 2" together. As shown in this figure, the cloud server 11 has It is mainly composed of a computing processing module 111, a database 112, a comparison module 113 and an information receiving and sending module 114, wherein: (1) The operation processing module 111 forms information links with the database 112, the comparison module 113, and the information receiving and sending module 114 respectively, and the operation processing module 111 can be equipped with logical operations, temporary storage of operation results, and storage. Execution of functions such as instruction locations can be, for example, a central processing unit (CPU), a virtual processor (vCPU), a microprocessor (MPU), a microcontroller (MCU), an application processor (AP), an An embedded processor, an application special integrated circuit (ASIC), a tensor processing unit (TPU) or a graphics processing unit (GPU), etc., but are not limited to this. (2) The database 112 is mainly used to store relevant electronic information, and it has an insurance unit 1121, a vehicle damage unit 1122, a vehicle model unit 1123, and a maintenance information unit 1124. Among them, the insurance unit 1121 stores several Insurance-related information about the customer, such as the customer's insurance information, identity information, insured car model, whether there is any relevant insurance fraud history, or other relevant information that can establish fraud inspection rules, etc.; and the car damage unit 1122 stores several items in advance Damage type data of various parts of various car models, as well as the policyholder’s car body old injury information. The damage data can be, for example, the damage status of various parts of a certain car model after different degrees of collision, and the damage caused by Damage conditions can be divided into different categories (scratched, deformed, cracked, peeled off, etc.), and then subdivided into small categories (light, medium, severe, etc.) according to different degrees, so that the system can generate recommendations for repair or replacement, and carry out repairs at the same time. Deep identification comparison analysis is combined with the policyholder's car body damage information to confirm whether the damaged parts of the car are forged. Deep identification is not only for identifying forgeries, but also for more accurately determining the degree of car damage, because currently identification photos are generally used to identify forgeries. It is presented in 2D, which may cause misjudgment due to light or stains, so it can be more clearly judged through deep 3D recognition; the model unit 1123 stores several 3D model information of various models; the maintenance information unit 1124 stores several vehicles Parts, repair price information, vehicle repair manufacturer information and other related repair information. (3) The comparison module 113 has at least one training unit 1131 corresponding to the type of object being inspected (for example, corresponding to a specific vehicle component). The training unit 1131 can be, for example, LeNet, AlexNet, VGGnet, NIN, GoogLeNet, MobileNet, SqueezeNet. , ResNet, SiameseNet, NASNet, RNN, Inception-ResNet, EfficientNet or other trained prediction models based on convolutional neural networks, and some training models can correspond to, for example, object detection (Detection), object cutting, object For training models for tasks such as classification, the training unit 1131 may also have the function of target detection algorithms such as SSD (Single Shot MultiBox Detector), Faster R-CNN, YOLO, etc., but is not limited to this. (4) The information receiving and sending module 114 can receive and send electronic information. For example, it can receive the identity confirmation information A sent by the mobile device 10 and store it in the database 112, and the comparison module 113 can receive The driver of the computing processing module 111 analyzes and compares the identity confirmation information A stored in the database 112 to confirm the user's identity information, and further retrieves the 3D model information of the relevant vehicle model by the vehicle model unit 1123 and sends it to the mobile phone The device 10 allows the user to generate vehicle damage information C with the assistance of 3D model information and transmit it to the cloud server for subsequent comparison operations. (5) After the contract generation module 115 completes the analysis and comparison of the vehicle damage information C on the cloud server 11, it further generates an electronic contract. The electronic contract can be provided by, for example, an online contract with an electronic signature. The user signs a claims contract and agrees to handle the accident, and the electronic contract includes relevant information such as the estimated premium amount for the next year after the accident is handled for the user's reference. The electronic contract also includes a time stamp (report date and time) and the accident Related information such as location notes, and the electronic contract can be integrated with the relevant quotation maintenance information captured in the maintenance information unit 1124 to generate a claim and maintenance information D.

Please refer to "Figure 4", which shows a schematic diagram (1) of the implementation of the present invention. Please refer to "Figure 1" to "Figure 3" together. When the present invention is implemented, when the user encounters a car accident, , the vehicle damage auxiliary program P can be executed through the mobile device 10, and after the vehicle damage auxiliary program P is executed, the user can perform related processing through the guidance module P1, as shown in the figure, the guidance module P1, which It mainly has an alarm unit P11, an identity recognition unit P12, a customer service unit P13 and a vehicle damage status acquisition unit P14. The user can choose according to the on-site conditions. For example, when a car accident occurs, the user can first report the crime through the alarm unit P11 to allow the police to arrive. to assist in processing on-site to leave a report record for subsequent use as a basis for claim settlement, or directly communicate with the insurance company’s customer service personnel through the customer service unit P13 for assistance.

Please refer to "Figure 5", which shows the implementation diagram (2) of the present invention. Following the description of "Figure 4", after completing the reporting process, the user needs to confirm the insurance information. Therefore, the user can The identity of the policyholder is confirmed through the identity recognition unit P12, so that the insurance company can check whether the user is the policyholder of the company. After the user executes the identity recognition unit P12, the image capture module of the mobile device 10 can be driven. 105 is activated, and after the image capture module 105 is activated, the user further captures an image of a license plate 121 of the vehicle 12 he is driving. After capture, the identity confirmation information A is generated. The user can use the mobile device to The transmission module 104 of 10 transmits the identity confirmation information A to the cloud server 11. Since the insurance unit 1121 contains several pieces of insurance-related information about the customer (the relevant information also includes the insured user's license plate number), the cloud server 11 The comparison module 113 can be used to analyze the license plate number of the identity confirmation information A, and then further retrieve the information of the insurance unit 1121 in the database 112 for comparison, so that the cloud server 11 can confirm whether the user is insured by the company. User.

Please refer to "Figure 6", which shows a schematic diagram (3) of the implementation of the present invention. Following the description of "Figure 5", please refer to "Figure 3" together. The cloud server 11 completes the identity confirmation information A When comparing and confirming that the user is a company user, the cloud server 11 can obtain information such as the car model insured by the user through the insurance unit 1121, and the cloud server 11 uses the computing processing module 111, Further retrieve the 3D model information that matches the user's car model in the vehicle model unit 1123 to generate the vehicle body model information B, and send the vehicle body model information B to the mobile device 10 through the information receiving and sending module 114 to assist the user. Take photos of vehicle damage.

Please refer to "Figure 7" and "Figure 8". The figures show implementation diagrams (4) and (5) of the present invention. Following the description of "Figure 6", the mobile device 10 receives data through the transmission module 104. After obtaining the vehicle body model information B, the user can operate the vehicle body model information B through the display screen 103 to select the damaged parts of the vehicle 12. After completing the selection, the user can further execute the vehicle damage condition acquisition unit P14, By driving the image capture module 105 of the mobile device 10 to operate, and after the vehicle damage status capture unit P14 is executed, the user can use AR (Augmented Reality, augmented reality) on the display 103 to respectively Capture damage photos of various parts of the car body from close-up and long-range shooting angles, and after completing the capture of the damage photos, further combine it with the information generated after selecting the car body model information B to generate vehicle damage information C, which can be used through mobile devices The transmission module 104 of 10 sends the vehicle damage information C to the cloud server 11.

Please refer to "Figure 9", which shows a schematic diagram (6) of the implementation of the present invention. Please refer to "Figure 3" together. As mentioned above, when the cloud server 11 receives the information through the information receiving and sending module 114 After obtaining the vehicle damage information C, the system can further drive the training unit 1131 of the comparison module 113 through the computing processing module 111 to analyze and compare the vehicle damage information C, and the training unit 1131 can be matched with the vehicle damage unit 1122 The stored information can be used to analyze the vehicle damage information C to identify the correct damaged parts of the vehicle body, such as hood panels, headlights, bumpers, etc. The information of the vehicle damage unit 1122 can also be retrieved through the computing processing module 111. Further carry out in-depth identification of the damaged parts that have been analyzed and identified, and process them with fraud inspection rules and policyholders’ old injury information to identify whether the damaged parts of the car body are intentionally caused by humans and avoid claims fraud; Furthermore, after the training unit 1131 completes the analysis and identification of the vehicle damage information C, the correct location and degree of damage to the vehicle body can be known. Through this, the computing processing module 111 can further retrieve the information from the maintenance information unit 1124. To obtain information such as the repair price of the damaged part of the vehicle and the repair garages nearby the user, and further combine it with the electronic contract generated by the contract generation module 115 to generate the claim and maintenance information D, and send it to the mobile device through the information receiving and sending module 114 10.

In summary, after the present invention is implemented, when the user's mobile device 10 receives the claim and repair information D through the transmission module 104, the user can choose to hand it over to the insurance company for insurance handling, or pass the claim and repair information D The provided car factory maintenance information is automatically processed, so that the present invention can effectively assist users in retrieving vehicle damage information, and assist insurance companies to improve the accuracy of identifying damaged parts in damage assessment and the efficiency of car accident handling; furthermore, this system can also It is provided to users with non-insurance user status for use. When using it, users with non-insurance user status can go through a registration process and then execute the car damage auxiliary program P, and capture the car damage photos through their own mobile devices 10 Then, it is further sent to the comparison module 113 of the cloud server 11 for analysis and identification, so that the cloud server 11 can retrieve the maintenance data of the maintenance information unit 1124 and then send it to the mobile device of the user who is not an insurance user. For reference, the maintenance data can also include maintenance information such as the address, phone number, maintenance items/working hours and other related maintenance information. The difference between non-insurance users and insured users in using this system is that non-insurance users only use the system to perform vehicle maintenance. To identify related needs such as damage repair costs, the system will not identify non-insurance users as policyholders and whether they have the intention to make fraudulent claims, and the detailed vehicle damage identification methods will not be described here.

Please refer to "Figure 10", which is a schematic flow chart of the implementation steps of the present invention. Please refer to "Figure 1" to "Figure 9" together. As shown in the figure, the vehicle body damage assessment auxiliary system 1 of the present invention Implementation method, the steps are as follows: (1) Policyholder identity confirmation step S1: The mobile device 10 downloads the vehicle damage assistance program P in advance, and after execution, the guidance module P1 can be displayed on the display screen 103 of the mobile device 10, and the guidance module P1 can be used The identity recognition unit P12 captures the image of the license plate to generate identity confirmation information A, and transmits it to the cloud server 11 through the mobile device 10 to confirm the policyholder's identity; (2) The server sends the vehicle body model information step S2: The identity confirmation information A passes through the comparison module 113 of the cloud server 11, and can further analyze and identify the data through the insurance unit 1121 of the database 112 to complete the policyholder Confirm the identity, retrieve the 3D model information that matches the policyholder's car model in the vehicle model unit 1123, generate vehicle body model information B, and send it to the mobile device 10; (3) Transmitting vehicle damage information step S3: After receiving the vehicle body model information B, the mobile device 10 can operate the vehicle body model information B through the display screen 103 to select the damaged parts of the vehicle 12 and further perform vehicle damage. The vehicle damage status acquisition unit P14 of the auxiliary program P uses close-up and long-range photography to capture damage photos of various parts of the vehicle body, and then further combines the information generated after selecting the vehicle body model information B to generate vehicle damage information C. The mobile device 10 further transmits the vehicle damage information C to the cloud server 11; (4) The server performs analysis and identification step S4: the training unit 1131 of the comparison module of the cloud server 11 can cooperate with the vehicle damage unit 1122 to analyze the vehicle damage information C to identify the correct damaged parts of the vehicle body, the degree of damage, and After performing in-depth identification, the information of the repair information unit 1124 can be further used to obtain the repair price of the damaged part of the vehicle and the repair garages nearby the user, and the electronic contract generated by the contract generation module 115 can be used to generate a claim. and maintenance information D are sent to the mobile device 10 through the information receiving and sending module 114 for the user to select a subsequent processing method.

Please refer to "Figure 11", which shows another embodiment (1) of the present invention. Please refer to "Figure 4" together, as shown in this figure, the cloud server 11 and its computing processing module The 111 series information link has an AI intelligent customer service module 116. The AI intelligent customer service module 116 can be, for example, an AI Chatbot (artificial intelligence chat robot). When the user selects the customer service unit P13 of the guidance module P1 through the display 103 When seeking assistance, the mobile device 10 can further connect to the AI intelligent customer service module 116 of the cloud server 11 so that the user can chat with the AI intelligent customer service module 116 through the mobile device 10 through dialogue or text. Users can obtain the information they want to know, which can effectively reduce the manpower on the customer service side of insurance companies. Based on the above, under the premise that this system has dedicated customer service and AI intelligent customer service module 116, when the user selects the customer service unit P13 of the guidance module P1 to seek assistance, the system will pre-execute the AI intelligent customer service module 116. , is the dedicated customer service. For future passenger cars with autonomous driving functions, if an accident occurs, the insurance company can be automatically notified through the sensor, and the AI intelligent customer service module 116 will actively care for the customer and guide the use of the vehicle body damage assessment assistance system.

Please refer to "Figure 12", which shows another embodiment (2) of the present invention. As shown in the figure, the microprocessing module 101 of the mobile device 10 is information-linked to a GPS module 106, and The computing processing module 111 of the cloud server 11 is connected to a dispatch module 117, and the GPS module 106 can generate a positioning information E. The positioning information E can include coordinates, orientation, longitude and latitude and other relevant location information. In addition, the positioning information E can be transmitted to the dispatch module 117 of the cloud server 11 through the transmission module 104 of the mobile device 10. When the user has needs, the cloud server 11 can dispatch claims adjusters through the dispatch module 117. Go to the scene of the car accident to assist the car owner in dealing with the car accident.

Please refer to "Figure 13", which shows another embodiment (3) of the present invention. The cloud server 11 shown in the figure is further connected with multiple external databases (13, 14, 15 ) to form an information connection, and the multiple external databases (13, 14, 15) can be, for example, databases of police units, insurance crime prevention centers, customs and trade networks, insurance companies or various warranty factories, etc. This allows the cloud server 11 to automatically obtain accident records, policy information, claims fraud prevention information, premium/claims inquiry and level calculation, maintenance site parts prices and operating hours, and other information.

From the above, it can be seen that with the vehicle body damage assessment auxiliary system and its implementation method of the present invention, the user can preload a vehicle damage auxiliary program in the mobile device in advance. When a car accident occurs, the vehicle damage auxiliary program can connect the information after being executed. The system connects to a cloud server and further guides the user to capture damage photos of the car body through AR (Augmented Reality), and select the damage photos of the car body with the 3D car body model sent by the cloud server. After that, a piece of vehicle damage information is generated based on the damage photos of the vehicle body, and then the vehicle damage information is sent to the cloud server for in-depth identification to further determine whether the damage to the vehicle body is forged or fraudulent. If not, the user can Instantly obtain vehicle body repair and claim settlement information, so that the present invention can assist users in retrieving vehicle damage information, and assist insurance companies in identifying vehicle damaged parts and determining whether there is insurance fraud, thereby improving the accuracy and processing efficiency of identifying damaged parts in loss assessment. According to this, after the present invention is implemented, it can indeed achieve the purpose of providing a vehicle body damage assessment auxiliary system and an implementation method that improves the efficiency and accuracy of vehicle damage assessment processing.

The above are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Anyone skilled in the art may make equal changes and modifications without departing from the spirit and scope of the present invention. should be covered by the patent scope of the present invention.

To sum up, the invention has the patent requirements of "industrial applicability", "novelty" and "progressivity"; the applicant has filed an invention patent application with the Jun Bureau in accordance with the provisions of the Patent Law.

1: Vehicle body damage assessment auxiliary system 10:Mobile device 101:Microprocessing module 102:Information storage module 103:Display screen 104:Transmission module 105:Image capture module 106:GPS module 11:Cloud server 111:Computational processing module 112:Database 113:Comparison module 1121:Insurance unit 1131:Training unit 1122: Vehicle damage unit 115:Contract generation module 1123: Car model unit 117: Work dispatch module 1124: Maintenance information unit 114: Information receiving and sending module 116:AI intelligent customer service module 12:Vehicle 13:External database 14:External database 15:External database P:Car damage assistance program A: Identity confirmation information P1: Guidance module B: Car body model information P11:Alarm unit C: Vehicle damage information P12: Identification unit D: Claims and maintenance information P13:Customer service unit E:Address information P14: Vehicle damage status capture unit S1: Policyholder identity confirmation steps S2: Steps for the server to send vehicle body model information S3: Steps to transmit vehicle damage information S4: The server performs analysis and identification steps

Figure 1 is a schematic diagram of the composition of the present invention. Figure 2 is a schematic diagram of the vehicle damage assistance program of the present invention. Figure 3 is a schematic diagram of the composition of the cloud server of the present invention. Figure 4 is a schematic diagram (1) of the implementation of the present invention. Figure 5 is a schematic diagram (2) of the implementation of the present invention. Figure 6 is a schematic diagram (3) of the implementation of the present invention. Figure 7 is a schematic diagram (4) of the implementation of the present invention. Figure 8 is a schematic diagram (5) of the implementation of the present invention. Figure 9 is a schematic diagram (6) of the implementation of the present invention. Figure 10 is a schematic flow chart of implementation steps of the present invention. Figure 11 shows another embodiment (1) of the present invention. Figure 12 shows another embodiment (2) of the present invention. Figure 13 shows another embodiment (3) of the present invention.

1: Vehicle body damage assessment auxiliary system

10:Mobile device

11:Cloud server

A: Identity confirmation information

B: Car body model information

C: Vehicle damage information

D: Claims and maintenance information

Claims (10)

An auxiliary system for automobile insurance claims application and vehicle body damage assessment for a user's vehicle, which includes: a cloud server with a computing processing module, a database, a comparison module, and an information receiving and sending module and a contract generation module, wherein the operation processing module forms information links with the database, comparison module, information receiving module and contract generation module respectively, and the database has an insurance unit, a vehicle Loss unit, a vehicle model unit and a maintenance information unit; the insurance unit of the database stores several pieces of customer insurance-related information, including the customer's insurance information, identity information, insured model, whether there is any relevant insurance fraud history or Other relevant information that can be used to establish fraud inspection rules; the car damage unit is suitable for pre-storing several damage types of various parts of various models, as well as old damage information on the car body; the car model unit is suitable for storing several records of various car models 3D model information, which has been marked with appearance part names and matching orientation information; the maintenance information unit is suitable for storing several vehicle components, maintenance price information, and vehicle repair manufacturer information; and the contract generation module, It is suitable for generating an electronic contract that contains relevant information on the estimated premium amount for the next year after the accident is handled for the user's reference. The electronic contract can be integrated with the relevant quotation maintenance information captured in the maintenance information unit to generate a claim and maintenance information. ; and a mobile device equipped with a microprocessor module, an information storage module, a display screen, a transmission module, an image capture module and a vehicle damage auxiliary program, which has a guidance module, The guidance module has an identity recognition unit based on license plate image recognition and a vehicle damage status acquisition unit; wherein the user operates the guidance module of the mobile device to simultaneously capture the license plate image and the damaged part at In an image, the identity recognition unit is used to identify the license plate number through the three steps of license plate position recognition, image normalization and optical character recognition (OCR) to generate an identity confirmation information through the captured image, and the identity confirmation information is sent to the comparison module, the comparison module performs data analysis and comparison on the insurance unit of the database to find the corresponding identity information to identify the policyholder, and finds the corresponding identity information in the insurance unit of the database. Find the vehicle corresponding to the policyholder's identity in the insurance unit of the database, thereby retrieving the vehicle model unit in the database to generate 3D model information corresponding to the vehicle, and use the information receiving and sending module to send it back to the mobile device; After the mobile device receives the 3D model information, it drives the image capture module of the mobile device to display the 3D model in the captured image in an augmented reality manner in conjunction with the operation of the guidance module. The operation of the module is carried out, in conjunction with the azimuth rotation, angle adjustment, and distance, to superimpose the vehicle image and the 3D model to generate damage images of various parts of the vehicle, and use the 3D model information to assist in marking the damage to various parts of the vehicle. On the damage images of various parts of the vehicle, the damage images of each part of the vehicle are captured to generate vehicle damage status acquisition information, which is sent to the comparison module in the cloud server through the transmission module; the comparison module is designed for receiving The vehicle damage status acquisition information is compared and analyzed with the damage type data of each part of the vehicle damage unit in the database, as well as the old vehicle body damage information, and in-depth identification is performed to identify whether the vehicle damage parts are counterfeit or fraudulent. And retrieve the relevant information of the maintenance information unit, use the contract generation module to generate a claim and maintenance information, send the claim and maintenance information to the mobile device, display it on the display screen, and provide the user with a reference to select subsequent processing. method; the system is characterized by that the identity recognition unit of the system's license plate image recognition can simultaneously confirm the user's identity and the vehicle body model information, and use the 3D model information to assist the user in photographing various parts of the vehicle body through augmented reality. The damage image can accurately determine and confirm the location, area and extent of damage, and can be combined with old damage information on the car body to confirm whether the damaged part is forged. Through in-depth identification, it can correctly determine the extent of the damage and generate recommendations for repair or replacement. For example, the automobile insurance claim application and vehicle body damage assessment auxiliary system described in claim 1, wherein the ratio The module also includes a training unit, which is used to extract information about the vehicle damage condition and conduct comparative analysis and in-depth identification with the data in the database, so as to continuously improve the accuracy and processing efficiency of identifying damaged parts in damage assessment. . For example, the car insurance claim application and car body damage assessment auxiliary system described in claim 1, wherein the car damage auxiliary program further includes an alarm unit and a customer service unit, wherein the alarm unit is used to make calls to relevant police units, This customer service unit is used to notify insurance companies or provide customer service using artificial intelligence customer service modules. The automobile insurance claim application and vehicle body damage assessment auxiliary system described in claim 1, wherein the mobile device also has a global positioning system (GPS) module, and the computing processing module has a dispatch module, through the mobile device The global positioning system (GPS) module of the device generates positioning information and sends it back to the computing processing module in the cloud server. Based on the positioning information, the dispatch module dispatches a claim adjuster to the scene to assist in processing. The automobile insurance claim application and vehicle body damage assessment auxiliary system as described in claim 1, wherein the comparison module receives the vehicle damage information, retrieves the vehicle damage unit of the database for comparison analysis, and retrieves the vehicle damage unit. The maintenance information unit and the contract generation module generate an electronic contract, which is integrated to generate the claim and maintenance information. An auxiliary method for automobile insurance claim application and vehicle body damage assessment, which is executed by the system of claim 1, and includes the following steps: an identity confirmation step: through the operation of the guidance module of the mobile device, images containing license plates are simultaneously captured and the damaged part is located in an image, the identity recognition unit is used to identify the license plate number through the three steps of license plate position recognition, image normalization and optical character recognition (OCR) through the captured image to generate license plate number information, and the insurance unit in the database Conduct data analysis and comparison to identify the policyholder's identity and generate identity confirmation information; The captured license plate image is stored in the database; a server sends the 3D model information step: the identity confirmation information is sent to the comparison module, and the comparison module performs the process through the insurance unit in the database The data is analyzed and compared with the policyholder's identity, thereby retrieving the vehicle model units in the database to generate 3D model information corresponding to the vehicle. The 3D model information has been marked with appearance part names, matching orientation information, and is sent back to the action. Device; a step of transmitting vehicle damage information: after the mobile device receives the 3D model information, it drives the image capture module of the mobile device in conjunction with the operation of the guidance module to capture the image in an augmented reality manner. The 3D model appears, and in conjunction with the operation of the guidance module, in conjunction with the azimuth rotation, angle adjustment, and distance, the vehicle image is superimposed with the 3D model to generate damage images of various parts of the vehicle, and is assisted by the 3D model information. Mark the damage of each part of the vehicle on the damage image of each part of the vehicle, capture the damage image of each part of the vehicle to generate vehicle damage status acquisition information; and perform an analysis and identification step: the vehicle damage status extraction information is obtained through The sending module sends the information to the comparison module in the cloud server, and the comparison module retrieves the information on the received vehicle damage status and the damage type data of each part of the vehicle damage unit in the database. Car body old injury information is compared and analyzed. The computing processing module captures the information of the vehicle damage unit, and further conducts in-depth identification of the damaged parts that have been analyzed and identified, and combines it with the fraud inspection rules and the policyholder's old injury information. Processing to identify whether the damaged parts of the vehicle are counterfeit or fraudulent to avoid claims fraud; the first step of providing claim settlement and repair information: retrieve the relevant information of the repair information unit, and use the contract generation module to generate an electronic contract to generate a claim settlement and Maintenance information, the claim and repair information is sent to the mobile device, displayed on the display screen, and provided to the user for reference in selecting repair or replacement recommendations and subsequent processing methods. The auxiliary method for automobile insurance claim application and vehicle body damage assessment described in claim 6 also includes a The training step is to conduct comparative analysis and in-depth identification of the information retrieved from the vehicle damage condition and the information in the database to improve the accuracy and processing efficiency of identifying damaged parts during damage assessment. The car insurance claim application and car body damage assessment auxiliary method described in claim 6, wherein the car damage auxiliary program has an alarm unit, and the mobile device executes the alarm unit to make a call to the relevant police unit. The car insurance claim application and car body damage assessment auxiliary method described in claim 6, wherein the car damage auxiliary program has a customer service unit, and the mobile device executes the customer service unit and notifies the insurance company or an artificial intelligence by phone or other means Customer service module. The automobile insurance claim application and car body damage assessment auxiliary method described in claim 6, wherein the mobile device also has a global positioning system (GPS) module, and the computing processing module has a dispatch module, through the mobile device The global positioning system (GPS) module of the device generates positioning information and sends it back to the computing processing module in the cloud server. Based on the positioning information, the dispatch module dispatches claims adjusters to the scene to assist in processing.

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