WO2015085629A1

WO2015085629A1 - Vehicle insurance service remote-handling system and method thereof

Info

Publication number: WO2015085629A1
Application number: PCT/CN2013/090246
Authority: WO
Inventors: 耿明生
Original assignee: 耿明生
Priority date: 2013-12-12
Filing date: 2013-12-23
Publication date: 2015-06-18
Also published as: CN104715417A

Abstract

A vehicle insurance service remote-handling system and method thereof, comprising: a vehicle information verification module containing vehicle information, a smart device and a remote insurance reporting and insurance handling service platform; when a vehicle has an accident, starting the smart device to read the encrypted vehicle information recorded in the vehicle information verification module; using a camera to shoot photos and/or videos of the site of the accident and damage and injuries; inputting the insurance report by a pickup module; obtaining the vehicle accident location and insurance reporting time; encrypting and packaging the photos and/or videos of the site of accident and damage and injuries, the insurance report, and the vehicle accident location and insurance reporting time into a data packet; uploading the data packet to the remote insurance reporting and insurance handling service platform; the remote insurance reporting and insurance handling service platform checks the data packet; if the data packet is verified, then informing the insured that the insurance report was accepted; and if not, then informing the insured that the insurance report was not accepted.

Description

System and method for remotely processing vehicle insurance business

[0001] The present invention relates to a system for realizing insurance and insurance when a vehicle is out of danger, and more particularly to a system for realizing remote insurance and insurance operations when a vehicle is out of danger; the present invention also relates to a vehicle when it is in danger , a method to remotely handle vehicle insurance business.

Background technique

[0002] With the development of the automobile industry, the construction of road resources can no longer keep up with the development of the number of cars. In the case of increasingly busy road traffic, traffic accidents are also increasing, and the tasks of insurance companies and traffic police are increasingly heavy. Failure to complete the insurance and insurance work in a timely manner will bring serious traffic congestion, energy waste from traveling vehicles, environmental pollution, and increased travel costs. In addition, it is not appropriate to protect the site for a long time in highways and other places. As well as the weather, it often causes insurance companies and traffic police to fail to reach the scene in time, which will bring more adverse effects. With the development of the insurance industry, the competition in the insurance market is becoming increasingly fierce. Insurance companies have an incentive to improve customer satisfaction by improving services and strengthen risk management to enhance competitiveness. Among them, fast and reasonable claims service and effective underwriting and claims management are the key to improving competitiveness. If there is a claims system with fast collection speed, good forensic ability, high credibility, low carbon environmental protection and convenient use, it will meet the market demand.

[0003] At present, there are some auxiliary vehicle accident remote inspection systems on the market, for example, by installing surveillance equipment in a repair shop or using smart phone application software for shooting and insurance. However, these equipments cannot confirm the accident time of the retired vehicles and the authenticity of the accident location, nor can they verify the true identity of the retired vehicles accurately, and these insurance and insurance methods do not form a complete case file. In terms of operational risks, insurance companies have not been recognized by the market for maintaining their own legitimate rights and interests and reducing operational risks.

[0004] Chinese Patent Publication No. CN101303761A, the invention entitled "A Mobile Phone Shooting and Uploading a Licensed Photo or Video Car Insurance Claims Integration System" patent, discloses a real-time photo taking or shooting video using a mobile phone, and embedding the forensic information at the same time. In the photo or video, and upload it to the server gallery in real time, to accept the car insurance claims, ie: At the scene of the vehicle accident, the owner or the claim adjuster shoots the accident in real time through the mobile phone. Photo or video, and automatically embed shooting time and forensic information in photos or videos (including: base station information available for mobile phones, GPS information of GPS mobile phones, MAC address of mobile phone wireless connection, shooting device information, and alarm number) and verification The code is simultaneously uploaded to the remote server gallery in real time, and the fixed risk is processed by the loss-receiving person according to the uploaded photo or video. The invention proposes an integrated method of vehicle insurance claims based on the above shooting method, that is, the vehicle owner, the call center, the claim adjuster, the dispatcher, the loss-reducing staff, the adjuster and the nuclear indemnity are integrated into the business by the above method to form a report and schedule. The comprehensive process of auto insurance claims processing integrated with claims.

[0005] The technical solution disclosed in CN101303761A, although the alarm ground can be confirmed, the accident photo or video can be immediately taken and uploaded to the server of the insurance company, but the real information of the vehicle cannot be confirmed, and the insurance company still has high operational risk. .

[0006] Chinese Patent Publication No. CN101546416A, entitled "A Method and System for Remotely Processing Auto Insurance Business" discloses a method for remotely processing an automobile insurance service based on a mobile communication system, comprising the following steps: use of a mobile communication system The portable mobile communication device uses the information format of the communication system to remotely realize the vehicle insurance underwriting service of the vehicle by inputting the customer information, and stores or outputs the underwriting information;

In the case of a vehicle out of danger, the mobile communication system uses the portable mobile communication device to automatically complete the vehicle insurance report by inputting the customer risk information based on the underwriting information by using the information format of the communication system, and stores or outputs the vehicle insurance report information;

Based on underwriting information and vehicle insurance report information, remotely complete vehicle accident scenes and vehicle surveys by using live mobile communication equipment to collect live image information and related vehicle accident information, and store or output vehicle accident scenes and vehicle survey information; and based on underwriting information and vehicle insurance Report information and vehicle accident site and vehicle survey information, remotely move to complete the car insurance damage, and generate car insurance damage information, the car damage information is sent to the repair shop or related departments.

[0007] CN101546416A also discloses a system for remotely processing an automobile insurance service based on a mobile communication system, comprising the following modules:

Mobile remote underwriting service processing module, using portable mobile communication equipment, using the information format of the communication system to remotely realize the vehicle insurance underwriting business by inputting customer information, and storing or outputting underwriting information; short (color) letter car insurance fast report, receiving report The processing module uses the portable mobile communication device in the information format of the communication system when the vehicle is in danger, and automatically inputs the customer risk information based on the underwriting information Guide the interaction to quickly complete the auto insurance report, and store or output the auto insurance report information;

The mobile remote processing case investigation service module, based on the underwriting information and the vehicle insurance report information, remotely completes the vehicle accident scene and vehicle survey by inputting the live image information and related information by using the portable mobile communication device, and stores or outputs the vehicle accident scene and the vehicle survey information;

Mobile remote processing fixed loss business module, based on underwriting information, vehicle insurance report information and vehicle accident scene and vehicle survey information, remotely move to complete the car insurance damage, and generate car insurance damage information, send the car insurance damage information to the repair workshop or related Department.

[0008] The technical solution disclosed in CN101546416A still cannot confirm the real information of the vehicle, cannot guarantee the comprehensiveness and accuracy of the information, and is greatly affected by the moral level, and the insurance company still has high operational risk. Summary of the invention

In order to overcome the deficiencies of the prior art, it is an object of the present invention to provide a system and method for remotely processing a vehicle insurance service. It can overcome the shortcomings brought by the prior art, so as to realize the handling of the insurance and insurance business in remote, reliable, efficient, timely and low-carbon environment when the vehicle is in an accident.

[0010] In order to solve the aforementioned technical problem, according to an aspect of the present invention, a system for remotely processing a vehicle insurance service includes at least a vehicle information verification module installed in a vehicle; a movable smart device; remote insurance and insurance Service Platform;

The vehicle information verification module at least includes: a single chip microcomputer, a storage module, a wireless communication module, a USB connection module and a power supply module, which are connected by a circuit, and at least a vehicle information including a frame number, an engine number, and a vehicle owner information is encrypted and passed through The USB connection module is written into the storage module; the smart device has at least a processing chip, a storage module, a camera, a sound collection module, a cellular mobile communication module, and a wireless communication module connected to the vehicle information verification module, and has a camera and a camera. , recording, positioning, mobile internet, wireless communication, data encryption and packaging functions, and written operating procedures for related functions;

The remote insurance and insurance service platform includes: a vehicle information management system and a vehicle insurance information inquiry system; the vehicle information management system is used for the vehicle information input query and the vehicle information verification module information encryption and writing; The vehicle insurance information inquiry system is used to obtain vehicle insurance information recorded by an insurance company.

[0011] The locating includes locating an accident location and obtaining a time to report through the cellular mobile communication module. In the improvement plan, the location of the accident is also located and the time of the insurance is obtained through the satellite positioning system.

[0012] As one of the preferred solutions of the system for remotely processing a vehicle insurance service provided by the present invention, the present invention A system for remotely processing a vehicle insurance service, the memory module being a flash memory or an EEPROM chip.

[0013] As a second preferred embodiment of the system for remotely processing a vehicle insurance service provided by the present invention, the system for remotely processing a vehicle insurance service provided by the present invention is built in the single chip microcomputer.

[0014] As a third preferred embodiment of the system for remotely processing a vehicle insurance service provided by the present invention, the system for remotely processing a vehicle insurance service provided by the present invention is a Bluetooth device or a wifi device.

[0015] As one of the further improvements of the system for remotely processing a vehicle insurance service provided by the present invention, the present invention provides a system for remotely processing a vehicle insurance service, the vehicle information further including license plate number information.

[0016] As a further improvement of the system for remotely processing a vehicle insurance service provided by the present invention, the present invention provides a system for remotely processing a vehicle insurance service, the smart device further having a satellite positioning module.

[0017] As a further improvement of the system for remotely processing a vehicle insurance service provided by the present invention, the system for remotely processing a vehicle insurance service provided by the present invention, the remote insurance and insurance service platform further includes a vehicle insurance risk insurance a recording system, the vehicle insurance risk recording system for storing the data packet; recording and querying an accident risk record of the accident vehicle.

In order to solve the aforementioned technical problems, according to an aspect of the present invention, a method for remotely processing a vehicle insurance service includes the following steps:

The vehicle information verification module is installed on the vehicle, and the vehicle information verification module comprises at least: a single chip microcomputer, a storage module, a wireless communication module, a USB connection module and a power supply module, which are connected by a circuit, and at least include a frame number and an engine number. The vehicle information of the vehicle owner information is encrypted and written into the storage module through the USB connection module;

When the vehicle is out of danger, an operation program of the smart device described later is enabled, and the operating program of the smart device includes reading the encrypted vehicle information recorded in the vehicle information verification module by wireless communication; and photographing the accident scene and the damage situation through the camera Or / and video; a statement of the contents of the insurance through the sound collection module; the location of the vehicle accident and the time of the insurance obtained by the smart device; the content of the accident that the smart device enters the accident scene, the photo of the damage situation, and/or the video State that the vehicle accident location and the time of the insurance are encrypted and packaged into data packets; the data package is uploaded to a remote insurance and insurance service platform described later;

The smart device has at least a processing chip, a storage module, a camera, a sound pickup module, and a cellular mobile communication The module and the wireless communication module connected to the vehicle information verification module have at least an image capturing, photographing, recording, positioning, mobile internet, wireless communication, data encryption and packaging function, and an operation program for writing related functions;

The remote insurance and insurance service platform includes: a vehicle information management system and a vehicle insurance information inquiry system; the vehicle information management system is used for the vehicle information input query and the vehicle information verification module information encryption and writing; The vehicle insurance information inquiry system is configured to obtain vehicle insurance information recorded by an insurance company; after the remote insurance and danger service platform receives the data package, the vehicle information management system and the vehicle insurance information inquiry system report The insurance vehicle information is verified. When the verification is passed, the insurer has been notified that he has accepted the insurance and verified that the insurer has not accepted the insurance.

[0019] As an embodiment of the present invention, the intelligent device of the operating program can be written in the relevant operating functions Andrews smart phones, Iph ₀ ne, Windows Phone smart phones, tablet PCs Andrews, IPAD and other equipment.

[0020] As one of the preferred embodiments of the method for remotely processing a vehicle insurance service provided by the present invention, the present invention provides a method for remotely processing a vehicle insurance service, wherein the accident time is a time obtained by a satellite positioning system or a time provided by a mobile network. .

[0021] As a second preferred method for remotely processing a vehicle insurance service provided by the present invention, the present invention provides a method for remotely processing a vehicle insurance service, where the accident location is a location obtained by a satellite positioning system or a location of a mobile network location. .

[0022] As one of the further improvements of the method for remotely processing a vehicle insurance service provided by the present invention, the present invention provides a method for remotely processing a vehicle insurance service, wherein the smart device reads an encryption recorded in the vehicle information verification module After the vehicle information; access the remote insurance and insurance service platform, the remote insurance and insurance service platform verifies whether the vehicle information belongs to the insured vehicle, and belongs to the insured vehicle to notify the insurance personnel to carry out the next operation, not belonging to the insured vehicle notice Insurance personnel will not accept their insurance.

[0023] As a further improvement of the method for remotely processing a vehicle insurance service provided by the present invention, the method for remotely processing a vehicle insurance service provided by the present invention, the remote insurance and insurance service platform further includes a vehicle insurance risk insurance a recording system, the vehicle insurance risk recording system for storing the data packet; recording and querying an accident risk record of the accident vehicle.

[0024] As a third modification of the method for remotely processing a vehicle insurance service provided by the present invention, the present invention provides a method for remotely processing a vehicle insurance service, wherein the vehicle information further includes a license plate number. Information.

[0025] As an embodiment of the present invention, the smart device has the following functions: a vehicle information reading function, a camera, a camera function, a position and time positioning function, a voice input function, a data encryption package function, and a data upload function. The vehicle information reading function is configured to read the encrypted vehicle information recorded in the vehicle information verification module by wireless communication; the camera and the photographing function are used to call a camera on the smart device to capture a video of an accident scene or a damage situation or And a photo positioning function, configured to determine a vehicle accident location and a risk detection time; the voice input function is configured to invoke a statement of the sound collection module on the smart device to enter the risk content; the data encryption The packaging function is used to encrypt and capture information such as the scene of the accident, the photo or video of the damage situation, the statement of the risk report, the vehicle information, the location of the vehicle accident and the time of the insurance to be packaged into data packets to prevent the data from being tampered with; The data uploading function is configured to upload the data packet to a remote insurance and insurance service platform.

[0026] As an embodiment of the present invention, the encryption and packaging in the present invention adopts a packet encryption algorithm or an asymmetric encryption algorithm specified in ISO/IEC 18033-3 for encryption and packaging, and ensures a data packet from a hash algorithm. Collect the only authenticity received by the network. Other encryption packaging methods can also be used.

[0027] In the case where the person skilled in the art believes that there is no conflict, the preferred embodiments or the improvements of the invention can be implemented individually or in combination.

[0028] Advantageous Effects: According to the technical solution provided by the present invention, when an accident occurs in a vehicle, the smart device is enabled, and the smart device reads the encrypted vehicle information recorded by the vehicle information verification module; and the accident scene and the damage situation are captured by the camera. Photo or / and video; a statement of the contents of the insurance through the sound collection module; the location of the vehicle accident and the time of the insurance obtained by the smart device; the smart device records the accident scene, the photo of the damage situation or / and the video The content statement, the vehicle accident location and the insurance time are encrypted and packaged into data packets; the data package is uploaded to the remote insurance and insurance service platform described later. Due to the use of encryption technology, it can ensure that the location of the accident vehicle and the time of the insurance, the information of the accident vehicle, the video or/and the photo of the accident scene are objective and true, so that the insurance company can remotely complete the service without sending the insurance service personnel to the scene of the accident. Insurance work, saving time, manpower, material resources and financial resources for insurance companies and policyholders, effectively reducing road congestion caused by traffic accidents, energy waste of traveling vehicles, pollution to the environment, and forming a complete electronic file for insurance and insurance Improve the management quality of insurance companies.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings are included to provide a further understanding of the invention The examples and the description thereof are intended to explain the present invention and are not intended to limit the invention. In the drawings: FIG. 1 is a schematic diagram of a system configuration for remotely processing a vehicle insurance service according to an embodiment;

FIG. 2 is a flow chart of realizing remote insurance and risk detection when the vehicle is out of danger in the embodiment.

detailed description

[0030] As shown in FIG. 1, an embodiment of a system for remotely processing a vehicle insurance service has a vehicle information verification module installed in a vehicle; a movable smart device; and a remote insurance and insurance service platform.

[0031] As shown in FIG. 1, the vehicle information verification module includes: a single chip microcomputer, a storage module, a wireless communication module, a USB connection module, and a power supply module, which are connected by a circuit. The vehicle information including the vehicle frame number, the engine number, the owner information, and the like is written into the storage module through the USB connection module. After the vehicle is branded, the vehicle license number information is also written into the storage module; the single-chip microcomputer selects an industrial single-chip microcomputer. It is used for operation calculation of encryption, storage, communication and other related programs of vehicle information; the storage module is for industrial flash memory, EEPROM chip or built in single-chip microcomputer, industrial flash memory, EEPROM chip is connected with single-chip through circuit, storage module And storing the encrypted vehicle information; the wireless communication module is a Bluetooth device or a wifi device, configured to communicate with the smart device, receive the smart device request and send the vehicle information to the smart device; the USB connection module has a USB interface and The USB chip, wherein the USB chip can be built in the single chip microcomputer, the computer writes the encrypted vehicle information into the storage module of the vehicle information verification module through the USB interface; the power supply module is used to convert the battery, the vehicle power supply or other power supply voltage For the vehicle letter Voltage matching authentication module, and the power feeding to the vehicle to verify the module.

[0032] As an embodiment of the present invention, the single chip selects the LPC1752, the storage module is integrated in the flash of the LPC 1752, the wireless communication module selects the bluetooth chip BC417143B-IQN-E4, and is connected to the UART interface of the single chip LPC1752 through a circuit, and the power module is adopted. The general industrial power conversion circuit converts the 24V~3.3V power supply into a 3.3V power supply used by the vehicle information verification module; the USB connection module uses a USB communication module integrated in the LPC1752.

[0033] As shown in FIG. 1 , the smart device has a processing chip, a storage module, a camera, a sound collection module, a cellular mobile communication module, and a wireless communication module connected to the vehicle information verification module, and has a camera, a photo, and a recording. , positioning, mobile internet, wireless communication, data encryption and packaging functions, and an operation program for writing related functions on the memory chip. In other embodiments, the smart device also has a satellite positioning module that obtains time and location by satellite positioning system. [0034] The smart device has the following functions: a vehicle information reading function, a camera, a camera function, a position and time positioning function, a voice input function, a data encryption package function, and a data upload function. The vehicle information reading function is configured to read vehicle information recorded in the vehicle information verification module by wireless communication; the camera and camera function is used to call a camera on the smart device to capture a video of an accident scene or a damage situation or/ And a photo positioning function, configured to determine a vehicle accident location and a risk detection time; the voice entry function is configured to invoke a statement of the sound collection module on the smart device to enter the risk report content; Function, used to encrypt and photograph the captured scene of the accident, the photo or video of the damage situation, the statement of the risk report, the vehicle information, the location of the vehicle accident and the time of the insurance to be packaged into data packets to prevent the data from being tampered with; The data uploading function is used to upload the data packet to the remote insurance and insurance service platform. In an embodiment, the smart device is connected to the vehicle information verification module via wifi or Bluetooth to read the vehicle information; the statement of the risk content is entered through the microphone, and the statement of the risk content includes a statement of the insurance party and the insured person And the content of the conversation.

[0035] As shown in FIG. 1, the remote insurance and insurance service platform includes: a vehicle information management system, a vehicle insurance information inquiry system, a vehicle insurance risk record system, and the vehicle information management system, which is used for vehicle information. Enrollment inquiry, information encryption and writing of the vehicle information verification module; the vehicle insurance information inquiry system is configured to acquire vehicle insurance information recorded by the insurance company; and the vehicle insurance risk record system is configured to store the data Package; record and inquire about the risk record of accident vehicles.

[0036] The remote insurance and insurance service platform may be disposed at an insurance company, and the remote insurance and insurance service platform is connected to the smart device through a mobile communication network.

[0037] As shown in FIG. 2, the vehicle information verification module is installed on the vehicle, and the vehicle information verification module includes a single chip microcomputer, a storage module, a wireless communication module, a USB connection module, and a power supply module, which are connected by a circuit. The vehicle information such as the license plate number information, the frame number, the engine number, and the owner information is encrypted and written into the storage module through the USB connection module; when the vehicle is out of danger, the smart device is enabled, and the smart device connects the vehicle through wifi or Bluetooth. An information verification module, and reading encrypted vehicle information recorded in the vehicle information verification module; photographing an accident scene, a photo of the damage situation or/and a video through the camera; recording a statement of the risk content through the sound pickup module; obtained by the smart device Vehicle accident location and resilience time; the order of the above three processes is unrestricted and may be performed simultaneously. The smart device encrypts the accident scene, the photo of the damage situation or/and the video, the recorded risk content statement, the vehicle accident location and the risk detection time into a data packet; uploads the data packet to the remote insurance and the insurance Service level Taiwan

[0038] After the remote insurance and insurance service platform receives the data package, the vehicle information management system and the vehicle insurance information inquiry system verify the information of the insurance vehicle, and notify the applicant that the insurance has been accepted when the verification is passed. It reports the insurance and verifies that it has not passed the notice and the insurer will not accept the insurance. The vehicle insurance risk recording system stores the data packet, records the risk insurance record, and can be used for inquiry.

[0039] In other embodiments, after the smart device connects to the vehicle information verification module via wifi or Bluetooth, and reads the encrypted vehicle information recorded in the vehicle information verification module, the smart device accesses the remote insurance and the insurance service. The platform, the remote insurance and insurance service platform verifies whether the vehicle information belongs to the insured vehicle, and belongs to the insured vehicle to notify the insurance personnel to carry out the next operation, and does not belong to the insured vehicle to notify the insurance personnel not to accept the insurance. After receiving the next operation instruction, the insurance personnel continue to use the smart device to take photos and/or videos of the accident scene and damage situation through the camera; record the contents of the insurance content through the sound pickup module; the location of the vehicle accident obtained by the smart device and Risk reporting time; The order of the above three processes is unrestricted and may be carried out simultaneously. The smart device encrypts the accident scene, the photo of the damage situation or/and the video, the recorded risk content statement, the vehicle accident location and the risk detection time into a data packet; uploads the data packet to the remote insurance and the insurance Service Platform.

[0040] The technical solution provided by the present invention can objectively and truthfully present the accident scene, the damage situation, and the statement of the contents of the report, and can confirm the true identity of the remotely-reported vehicle, and does not need the insurance company to send a person to the scene of the accident to realize the remote report. Insurance, insurance business. This can save time, manpower, material resources and financial resources for insurance companies and insurance applicants, effectively reduce road congestion caused by traffic accidents, save energy consumption and protect the environment for traveling vehicles. It can form a complete case of insurance and insurance files, and improve the management quality of insurance companies.

[0041] The details that are not described in detail in the present invention are well known to those skilled in the art, or can be obtained by combining the known techniques without departing from the teachings of the present invention.

It is apparent that the present invention is not limited to the above preferred embodiments, and various forms of transformations and improvements can be made within the spirit of the invention and the spirit of the specification, and the same technical problems can be solved and the expected technical effects can be obtained. Therefore, it is not repeated. All aspects of the present invention that are obvious or equivalent to those of ordinary skill in the art are intended to be within the scope of the invention.

Claims

Claim

A system for remotely processing a vehicle insurance service, characterized in that it has at least a vehicle information verification module installed in a vehicle; a movable smart device; a remote insurance and insurance service platform;

The vehicle information verification module at least includes: a single chip microcomputer, a storage module, a wireless communication module, a USB connection module and a power supply module, which are connected by a circuit, and at least a vehicle information including a frame number, an engine number, and a vehicle owner information is encrypted and passed through The USB connection module is written in the storage module; the smart device has at least a processing chip, a storage module, a camera, a sound collection module, a cellular mobile communication module, and a wireless communication module connected to the vehicle information verification module, and has at least a camera, Photographing, recording, positioning, mobile internet, wireless communication, data encryption and packaging functions, and writing operating procedures for related functions;

2. The system for remotely processing a vehicle insurance service according to claim 1, wherein: said storage module is a flash memory or an EEPROM chip.

3. The system for remotely processing a vehicle insurance service according to claim 1, wherein: said storage module is built in said single chip microcomputer.

4. The system for remotely processing a vehicle insurance service according to claim 1, wherein: the wireless communication module is a Bluetooth device or a wifi device.

5. The system for remotely processing a vehicle insurance service according to claim 1, wherein: said vehicle information further includes license plate number information.

6. The system for remotely processing a vehicle insurance service according to claim 1, wherein: the smart device further has a satellite positioning module.

7. The system for remotely processing a vehicle insurance service according to claim 1, wherein: the remote insurance and insurance service platform further comprises a vehicle insurance risk record system, and the vehicle insurance risk record system System for storing the data packet; recording and querying the risk record of the accident vehicle.

8. A method of remotely processing a vehicle insurance service, characterized by comprising the steps of:

When the vehicle is out of danger, the smart device is enabled, the smart device includes reading the encrypted vehicle information recorded in the vehicle information verification module by wireless communication; capturing the accident scene, the photo of the damage situation or/and the video through the camera; The module enters a statement of the contents of the insurance; the smart device obtains the location of the vehicle accident and the time of the insurance; the smart device states the scene of the accident, the photo or/and video of the damage, the contents of the recorded risk, the location of the vehicle accident and the time of the insurance Encrypted into a data packet; upload the data packet to a remote insurance and insurance service platform;

The smart device has at least a processing chip, a storage module, a camera, a sound collection module, a cellular mobile communication module, and a wireless communication module connected to the vehicle information verification module, and has at least an image capturing, photographing, recording, positioning, mobile internet, and wireless Communication, data encryption and packaging functions, and written operating procedures for related functions;

9. The method of remotely processing a vehicle insurance service according to claim 8, wherein: said accident time is a time obtained by a satellite positioning system or a time provided by a mobile network.

10. The method of remotely processing a vehicle insurance service according to claim 8, wherein: The location is the location obtained by the satellite positioning system or the location of the mobile network location.

The method for remotely processing a vehicle insurance service according to claim 8, wherein: the smart device reads the encrypted vehicle information recorded in the vehicle information verification module; and accesses the remote insurance and insurance service platform. The remote insurance and insurance service platform verifies whether the vehicle information belongs to the insured vehicle, and belongs to the insured vehicle to notify the insurance personnel to carry out the next operation, and does not belong to the insured vehicle to notify the insurance personnel not to accept the insurance.

12. The method of remotely processing a vehicle insurance service according to claim 8, wherein: the remote insurance and insurance service platform further comprises a vehicle insurance risk record system, and the vehicle risk insurance record system is For storing the data packet; recording and querying the risk record of the accident vehicle.

13. The method of remotely processing a vehicle insurance service according to claim 8, wherein: said vehicle information further includes license plate number information.