WO2018232931A1 - 一种基于物联网的交通事故处理系统及方法 - Google Patents

一种基于物联网的交通事故处理系统及方法 Download PDF

Info

Publication number
WO2018232931A1
WO2018232931A1 PCT/CN2017/097763 CN2017097763W WO2018232931A1 WO 2018232931 A1 WO2018232931 A1 WO 2018232931A1 CN 2017097763 W CN2017097763 W CN 2017097763W WO 2018232931 A1 WO2018232931 A1 WO 2018232931A1
Authority
WO
WIPO (PCT)
Prior art keywords
vehicle
server
accident
owner
text
Prior art date
Application number
PCT/CN2017/097763
Other languages
English (en)
French (fr)
Inventor
杜光东
Original Assignee
深圳市盛路物联通讯技术有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市盛路物联通讯技术有限公司 filed Critical 深圳市盛路物联通讯技术有限公司
Publication of WO2018232931A1 publication Critical patent/WO2018232931A1/zh

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to the field of Internet of Things technologies, and in particular, to a traffic accident processing system and method based on the Internet of Things.
  • the existing traffic accident handling mode is: report to the traffic management department and insurance company ⁇ traffic management department rushed to the traffic accident site for treatment, and issued a traffic accident certificate ⁇ relevant personnel of the insurance company to conduct investigation and inspection on the traffic accident site Loss valuation ⁇ the owner submits the claim materials to the insurance company ⁇ the insurance company gives the claim result; in this process, the personnel of the traffic management department are required to take photos on the spot and take responsibility, and then the insurance company needs to go to the site to perform the damage treatment.
  • the present invention provides a traffic accident processing system and method based on the Internet of Things.
  • the present invention provides a traffic accident processing system based on the Internet of Things, including an in-vehicle client accessing an Internet of Things, a responsible server, a fixed-loss server, and a claims server;
  • the in-vehicle client is configured to record an accident state image of the vehicle in real time, and send it to the responsible server, the loss service server and the claims server in real time;
  • the responsible server is configured to generate a responsibility division text of the accident owner according to the accident state image, and send the text to the vehicle client online;
  • the fixed loss server is configured to generate a loss degree text of the vehicle according to the accident state image, and send it online to the in-vehicle client;
  • the in-vehicle client is further configured to: the accident vehicle owner reviews the responsibility division text and the loss degree text, and feeds back the audit information to the responsible server and the loss service server;
  • the responsible server and the loss service server are further configured to send, according to the audit information, the responsibility division text and the loss degree text that have been objectioned by the accident vehicle owner to the claim server, and send the message to the vehicle.
  • the client sends an insurance service notice;
  • the in-vehicle client is further configured to provide an accident owner certificate required for providing an insurance service to the claim server according to the insurance service notification;
  • the claim server is configured to perform online claim service according to the accident state image, the responsibility division text and loss degree text that has been objectioned by the accident vehicle owner, and the accident vehicle owner certification document, and send the claim result online to The in-vehicle client.
  • the traffic accident handling system based on the Internet of Things connects the in-vehicle client, the responsible server, the fixed-loss server and the claims server through the Internet of Things, and through the forensic use of the in-vehicle client.
  • the server, the fixed service server and the claims server can realize online responsibility, loss determination and claims. Traffic management department personnel and insurance company personnel are not required to arrive at the scene of the accident, and the owner does not need to go to the insurance company to submit relevant certification materials. It simplifies the process of claim settlement and improves the efficiency of traffic accident handling.
  • the responsible server and the fixed service server are further configured to review the accident state image sent by the in-vehicle client;
  • the responsible server and/or the fixed service server respectively send a notification to the in-vehicle client to re-provide an accident status image of the vehicle, and the in-vehicle client resends the notification according to the notification.
  • the accident status image is passed until the responsible server and/or the fixed service server is approved;
  • the responsible server and the fixed service server review the accident state image sent by the in-vehicle client, and check whether the accident state image sent by the in-vehicle client is correct. In order to make the responsibility of the server and the loss-making server to make reasonable and correct responsibility to divide the text and loss degree text.
  • the in-vehicle client sends the accident state image after passing the verification server and the fixed service server to the claim server.
  • the in-vehicle client sends the image of the accident state of the vehicle after being approved by the responsible server and the fixed service server to the claim server, so that the content of the audit material received by the claim server is consistent. Conducive to the implementation of claims services.
  • the present invention provides a method for processing a traffic accident based on an Internet of Things, comprising the following steps:
  • the vehicle-mounted client records the accident state image of the vehicle in real time, and sends it to the responsible server, the fixed-loss server and the claims server in real time;
  • the responsible server generates a responsibility division text of the accident owner according to the accident state image, and sends the text to the vehicle client online;
  • the fixed loss server generates a loss degree text of the vehicle according to the accident state image, and sends the text to the vehicle client online;
  • the vehicle-mounted client provides the owner of the accident to review the text of the responsibility division and the text of the loss degree, and feeds back the audit information to the responsible server and the fixed-loss server;
  • the responsible server and the fixed service server send the text of the responsibility division and the loss degree text that are uncontested by the accident vehicle owner to the claim service server according to the audit information, and send the insurance service notice to the vehicle client;
  • the in-vehicle client provides the accident vehicle owner certification document required for the insurance service to the claim service server according to the insurance service notification;
  • the claim service server performs an online claim service according to the accident state image, the responsibility division text and the loss degree text that has been objectionable by the accident vehicle owner, and the accident vehicle owner certification file, and sends the claim result online to the vehicle customer. end.
  • the invention relates to a traffic accident processing method based on the Internet of Things, which connects the in-vehicle client, the responsible server, the fixed-loss server and the claims server through the Internet of Things, and uses the forensic client to obtain evidence.
  • responsible for the server, the fixed service server and the claims server can realize online responsibility, loss determination and claims.
  • Traffic management department personnel and insurance company personnel are not required to arrive at the scene of the accident, and the owner does not need to go to the insurance company to submit relevant certification materials. It simplifies the process of claim settlement and improves the efficiency of traffic accident handling.
  • the responsible server and the fixed service server further review the accident state image sent by the in-vehicle client;
  • the responsible server and the fixed service server respectively send a notification to the in-vehicle client to re-deliver the accident status image, and the in-vehicle client resends the accident status according to the notification.
  • the image is passed until the responsible server and the fixed service server are approved;
  • the responsible server and the fixed service server review the accident state image sent by the in-vehicle client, and check whether the accident state image sent by the in-vehicle client is correct. So that the responsible server and the loss-making server make a reasonable and correct text of the division of the text and the degree of loss.
  • the in-vehicle client sends the accident state image after passing the verification server and the fixed service server to the claim server.
  • the in-vehicle client sends the accident state image after passing the auditing of the responsible server and the fixed service server to the claim server, and the received claim server receives the
  • the content of the review materials is consistent and is conducive to the implementation of claims services.
  • FIG. 1 is a structural block diagram of a traffic accident processing system based on the Internet of Things according to Embodiment 1 of the present invention
  • FIG. 2 is a structural diagram of a traffic accident processing system based on the Internet of Things according to Embodiment 1 of the present invention
  • FIG. 3 is a structural block diagram of a traffic accident processing system based on the Internet of Things according to Embodiment 2 of the present invention.
  • FIG. 4 is a structural diagram of a traffic accident processing system based on the Internet of Things according to Embodiment 2 of the present invention.
  • FIG. 5 is a flowchart of a method for processing a traffic accident based on an Internet of Things according to Embodiment 8 of the present invention.
  • FIG. 6 is a flowchart of a method for processing a traffic accident based on an Internet of Things according to Embodiment 9 of the present invention.
  • FIG. 7 is a signaling flowchart of a method for processing a traffic accident based on an Internet of Things according to Embodiment 10 of the present invention.
  • FIG. 8 is a signaling flowchart of a method for processing a traffic accident based on an Internet of Things according to Embodiment 10 of the present invention.
  • FIG. 9 is a signaling flowchart of a method for processing a service accident based on an Internet of Things according to Embodiment 11 of the present invention.
  • FIG. 10 is a schematic diagram of an implementation of a method for processing a traffic accident based on an Internet of Things according to Embodiment 12 of the present invention.
  • FIG. 1 is a structural block diagram of a traffic accident processing system based on the Internet of Things according to Embodiment 1 of the present invention.
  • a traffic accident processing system based on the Internet of Things, including an in-vehicle client accessing the Internet of Things, a responsible server, a fixed-loss server, and a claims server;
  • the in-vehicle client is configured to record an accident state image of the vehicle in real time, and send it to the responsible server, the loss service server and the claims server in real time;
  • the responsible server is configured to generate a responsibility division text of the accident owner according to the accident state image of the vehicle, and send the text to the vehicle client online;
  • the fixed loss server is configured to generate a loss degree text of the vehicle according to the accident state image of the vehicle, and send the text to the onboard client online;
  • the in-vehicle client is further configured to provide an accident vehicle owner to review the responsibility division text and the loss degree text, and feed back the audit information to the responsible server and the loss service server;
  • the responsible server and the fixed-loss server are further configured to send, according to the feedback audit information, the responsibility division text and the loss degree text that have been objectioned by the accident vehicle owner to the claim server, and send the text to the in-vehicle client.
  • the in-vehicle client is further configured to provide an accident owner certificate required for providing an insurance service to the claim server according to the insurance service notification;
  • the claim service end is configured to perform online claim service according to the accident state image of the vehicle, the text and loss degree text of the undisputed responsibility of the accident owner, and the accident owner certificate, and send the claim result online to the vehicle customer. end.
  • the vehicle-mounted client is placed on the vehicle for use by the owner of the vehicle
  • the fixed-loss server and the claims server are placed in the insurance company for the operation of the insurance company
  • the responsible server is placed in the traffic management department for the traffic management department.
  • Personnel operation, the architecture of an Internet of Things-based traffic accident processing system provided by Embodiment 1 of the present invention is as shown in FIG. 2, and an accident state image of the vehicle is collected by the vehicle-mounted client at the accident site, and sent to the insurance company through the Internet of Things.
  • the fixed service server and the responsible service end of the traffic management department, the fixed service server of the insurance company and the responsible service end of the traffic management department are online responsible for the responsibility, the loss, the responsibility, and the damage management procedure.
  • the claims server provides online claims and completes online processing of traffic accidents.
  • the in-vehicle client can be a handheld wireless type client, which is convenient for recording the accident state image of the vehicle, and is convenient for forensics.
  • the in-vehicle client, the responsible server, the fixed-loss server and the claims server are connected through the Internet of Things.
  • the on-board client's forensics using the responsible server, the fixed-loss server and the claims server, can achieve online responsibilities, damages and claims, without the need for traffic management personnel and insurance company personnel to arrive at the scene of the accident, and do not need to go personally.
  • the insurance company submits relevant certification materials, which simplifies the procedure of claim settlement and improves the efficiency of traffic accident handling.
  • Embodiment 2 On the basis of the structure of the Internet of Things-based traffic accident processing system provided by Embodiment 1 of the present invention, the present invention further provides Embodiment 2, which further includes a service server in Embodiment 2; FIG. 3 is an embodiment of the present invention. 2 provides a structural block diagram of an Internet of Things-based traffic accident handling system.
  • the structure of the Internet of Things-based traffic accident processing system provided by Embodiment 1 of the present invention further includes a service server for providing maintenance service to the vehicle according to the result of the claim, and The repair result is fed back to the claim server and the vehicle client.
  • the addition of the service server makes the system of the invention more perfect, and integrates the online responsibility service, the online loss service, the online claim service and the maintenance service to realize one-stop service and make a traffic accident. Processing is more convenient.
  • the service server is specifically configured to provide a maintenance service to the vehicle when the received result of the claim sent by the claim server matches the claim result sent by the in-vehicle client;
  • the service provider provides the repair service to the vehicle when the result of the claim sent by the claim server matches the claim result sent by the in-vehicle client, specifically, the claims of the claim result sent by the claim server
  • the service server provides a repair service to the vehicle according to the repair content corresponding to the claim document number. That is to say, the maintenance server receives the two claims results from the claims server and the in-vehicle client to provide follow-up maintenance services, so as to avoid the drawbacks caused by the owner's forgery claims.
  • the service server is placed in a vehicle maintenance center (for example, a car 4S shop) for use by a vehicle maintenance center; and an Internet of Things-based traffic accident handling system according to Embodiment 2 of the present invention is provided.
  • a maintenance service terminal is also provided in the vehicle maintenance center, and the Internet of Things is connected;
  • the server receives the two claims results from the claims server and the in-vehicle client.
  • the repair server can send the “maintenance service content” to the vehicle client.
  • the “service content” can include the scheduled repair time, location and object. Wait, the owner can go directly to the vehicle repair center for vehicle maintenance according to the "maintenance service content".
  • Embodiment 3 of the present invention the responsible server and the fixed loss server respectively need to be provided to the in-vehicle client. The vehicle's accident status image is reviewed;
  • the responsible server and/or the fixed service server respectively send a notification of “re-providing the accident state image of the vehicle” to the in-vehicle client, and the in-vehicle client resends the accident state of the vehicle according to the notification.
  • the image is passed until the responsible server and/or the fixed service server is approved; for example, when only the responsible server fails to pass the accident state image of the vehicle provided by the in-vehicle client, the image is determined.
  • the server responsible for the server to send a notification of "re-providing the accident state image of the vehicle" to the in-vehicle client, and the in-vehicle client resends the accident state image of the vehicle according to the notification until the accrediting server reviews the passage;
  • the fixed service server sends a notification of “re-providing the accident state image of the vehicle” to the vehicle-mounted client, and the vehicle-mounted client Notifying the re-send of the vehicle's accident status image until the fixed-loss server is approved;
  • the responsible server is determined
  • the responsible server and the fixed-loss server respectively send the “re-providing the accident state image of the vehicle” to the vehicle-mounted client.
  • the notification, the in-vehicle client resends the accident state image of the vehicle according to the notification, until the responsible
  • the responsible server and the fixed service server review the accident state image of the vehicle sent by the vehicle client, and check whether the accident state image of the vehicle sent by the vehicle client is correct, so as to appoint the server.
  • the loss-making server makes reasonable and unreasonable responsibility to divide the text and loss degree text. For example, if the operator of the responsible server considers that the image of the accident state of the vehicle is unqualified, then the responsible server can be operated, and the notification server sends a notification of "re-providing the image of the accident state of the vehicle" to the in-vehicle client, so as to Reasonable judgment of responsibility.
  • the present invention further provides Embodiment 4, in Embodiment 4 of the present invention, the vehicle-mounted client will pass the accident state of the vehicle after passing the auditing server and the fixed-loss server. The image is sent to the claims server.
  • the in-vehicle client sends the image of the accident state of the vehicle after being approved by the responsible server and the fixed service server to the claim service server, so that the content of the audit material received by the claim server is consistent. It is conducive to the implementation of claims services.
  • the present invention further provides Embodiment 5, in Embodiment 5 of the present invention.
  • the responsible server is further configured to re-distribute the text of the responsibility of the accident owner reviewing the objection according to the feedback audit information, and send the re-determined responsibility division text to the vehicle client for the accident owner to review, until The owner of the accident has no objection to the review;
  • the fixed loss service end is further configured to re-determine the loss degree text that has been objectionable by the accident vehicle owner according to the feedback audit information, and send the re-determined loss degree text to the vehicle-mounted client for the accident owner to review, until The owner of the accident has no objection to the review.
  • the owner of the vehicle can review the text of the responsibility division and the text of the loss degree issued by the responsible server and the fixed service server through the vehicle-mounted client, so that the accident handling process is more fair, just and humanized.
  • the number of times the owner has reviewed the text and loss degree texts issued by the responsible server and the fixed-loss server through the in-vehicle client is not unlimited.
  • the in-vehicle client The “audit threshold” is pre-set in the middle.
  • the preset “audit threshold” in the vehicle client can not only eliminate the waste of related department resources and time caused by malicious operation of some owners, but also urge the owner to handle the accident carefully and avoid the subsequent conflicts.
  • the present invention further provides Embodiment 6.
  • the accident vehicle owner certification file is solidified and stored on the vehicle-mounted client, and the accident vehicle owner proves Documents include owner information, vehicle information, and policy information.
  • the accident vehicle owner proves that the file storage adopts the solidification method, and has the following advantages: 1) facilitating the owner to send the accident vehicle owner certification document; 2) since it is the solidification storage, it means that each vehicle corresponds to one vehicle customer. At the end, you can avoid the act of others fraudulently defrauding the insurance.
  • the vehicle-mounted client includes a driving recorder and a smart terminal that is handheld and has a camera recording function; wherein the driving recorder is provided with a plurality of driving recorders respectively installed in the vehicle.
  • the eighth embodiment of the present invention further provides a traffic accident processing method based on the Internet of Things, which utilizes the above
  • the processing of the Internet of Things-based traffic accident processing system according to any one of Embodiments 1 to 7 includes the following steps, as shown in FIG. 5 .
  • the vehicle-mounted client records the accident state image of the vehicle in real time, and sends it to the responsible server, the fixed-loss server and the claims server in real time;
  • the responsible server generates a responsibility division text of the accident owner according to the accident state image of the vehicle, and sends the text to the vehicle client online;
  • the fixed loss server generates a loss degree text of the vehicle according to the accident state image of the vehicle, and sends the text to the vehicle client online;
  • the vehicle-based client provides the owner of the accident to review the text of the responsibility and the text of the loss degree, and feeds back the audit information to the responsible server and the fixed-loss server;
  • the responsible server and the fixed-loss server send the text of the responsibility division and the loss degree text of the unrecognized object of the accident to the claim service server online according to the feedback audit information, and send the insurance service notice to the vehicle-mounted client;
  • the vehicle client provides the accident vehicle owner certification document required for the insurance business to the claim server according to the insurance service notice;
  • the claim service server performs online claim service according to the accident state image of the vehicle, the text and loss degree text of the unrecognized responsibility of the accident vehicle owner, and the accident vehicle owner certificate file, and sends the claim result online to the vehicle client.
  • the in-vehicle client, the responsible server, the fixed-loss server, and the claims server are connected through the Internet of Things, and through the forensic client, the responsible server, the fixed server, and the claims server are utilized. Online responsibilities, damages and claims can be realized. Traffic management department personnel and insurance company personnel are not required to arrive at the scene of the accident, and the owner does not need to go to the insurance company to submit relevant certification materials. This simplifies the procedure of claim settlement and improves traffic accidents. Processing efficiency.
  • the present invention further provides Embodiment 9, and in Embodiment 9, the step of providing a post-maintenance service by using a service server; 6 is a flowchart of a method for processing a traffic accident based on an Internet of Things according to Embodiment 9 of the present invention.
  • the maintenance server is associated with the claims server and the vehicle client respectively.
  • the service server provides maintenance service for the vehicle according to the result of the claim, and feeds the repair result to the claim server and the vehicle client.
  • the embodiment 9 of the invention can make the method of the invention more perfect, and integrates online liability service, online loss service, online claim service and maintenance service to realize one-stop service, which makes traffic accident handling more convenient.
  • the maintenance service terminal provides a maintenance service for the vehicle, and the maintenance service end receives the settlement result sent by the claim service server and matches the settlement result sent by the vehicle client.
  • the repair service terminal provides the repair service to the vehicle when the claim result sent by the claim server matches the claim result sent by the in-vehicle client, specifically, the claim sent by the claim server
  • the service server provides a repair service to the vehicle according to the repair content corresponding to the claim document number. That is to say, the maintenance server receives the two claims results from the claims server and the in-vehicle client to provide follow-up maintenance services, so as to avoid the drawbacks caused by the owner's forgery claims.
  • the present invention further provides Embodiment 10, in Embodiment 10 of the present invention, in Steps S2a and S2b, the responsible server and the fixed loss server further include The steps of reviewing the accident state image of the vehicle provided by the vehicle-mounted client respectively;
  • FIG. 7 is a signaling flow chart of the process of handling the traffic accident based on the Internet of Things-based traffic accident processing method provided by the embodiment 10 of the present invention;
  • FIG. 8 is a signaling flowchart of a method for processing a traffic accident based on an Internet of Things according to Embodiment 10 of the present invention;
  • the responsible server and/or the fixed service server respectively send a notification to the in-vehicle client to re-deliver an accident state image of the vehicle, and the in-vehicle client resends the accident state image of the vehicle according to the notification.
  • the responsible server and/or the fixed service server approves the approval; For example, when only the responsible server verifies that the accident state image of the vehicle provided by the in-vehicle client fails, the responsible server sends a “re-providing the accident state image of the vehicle” to the in-vehicle client.
  • the notification of "re-providing the accident state image of the vehicle” the vehicle-mounted client resends the accident state of the vehicle according to the notification Like, until the end of the service will be responsible for the damage, and are reviewed by the server.
  • the responsible server and the fixed service server review the accident state image of the vehicle sent by the vehicle client, and check whether the image of the accident state of the vehicle sent by the vehicle client is correct, so as to appoint the server.
  • the loss-making server makes reasonable and unreasonable responsibility to divide the text and loss degree text.
  • Embodiment 11 of the present invention in step S3, the in-vehicle client will pass the review of the responsible server and the fixed service server.
  • the accident status image of the vehicle is sent to the claims server.
  • FIG. 9 is a signaling flowchart of a method for processing a traffic accident based on an Internet of Things according to Embodiment 11 of the present invention, which relates to a process of repairing a server.
  • the in-vehicle client sends the image of the accident state of the vehicle after being approved by the responsible server and the fixed service server to the claim server, so that the content of the audit material received by the claim server is consistent. It is conducive to the implementation of claims services.
  • the present invention further provides the embodiment 12.
  • the responsible server further needs to review the information according to the feedback. After the accident owner reviews the dissident responsibility division text, the responsibility service is re-submitted, and the re-determined responsibility division text is sent to the vehicle-mounted client for the accident owner to review until the accident owner review has no objection;
  • the fixed loss service terminal also needs to re-determine the loss degree text that has been objectiond by the accident vehicle owner according to the feedback audit information, and send the re-determined loss degree text to the vehicle-mounted client for the accident owner to review until the accident The owner of the vehicle has no objection to the review.
  • the owner of the vehicle can use the in-vehicle client to fix the server and determine the loss.
  • the text of the responsibility and the text of the loss level issued by the server are reviewed to make the accident handling process more fair, just and humane.
  • the number of times the owner has reviewed the text and loss degree texts issued by the responsible server and the fixed-loss server through the in-vehicle client is not unlimited.
  • the in-vehicle client The “audit threshold” is pre-set in the middle.
  • the preset “audit threshold” in the vehicle client can not only eliminate the waste of related department resources and time caused by malicious operation of some owners, but also urge the owner to handle the accident carefully and avoid the subsequent conflicts.
  • the present invention further provides Embodiment 13.
  • the accident vehicle owner certification file is solidified and stored on the vehicle-mounted client, and the accident vehicle owner proves Documents include owner information, vehicle information, and policy information.
  • the accident vehicle owner proves that the file storage adopts the solidification method, and has the following advantages: 1) facilitating the owner to send the accident vehicle owner certification document; 2) since the solidification storage means that each vehicle corresponds to one vehicle customer At the end, you can avoid the act of others fraudulently defrauding the insurance.
  • a traffic accident handling method based on the Internet of Things provided by the present invention is used to deal with traffic accidents, and the implementation principle thereof is as shown in FIG.
  • a traffic accident occurred between the owner A and the owner B (the vehicle owner is installed on the vehicle A and the owner B).
  • the owner A and the owner B record the respective vehicles through the vehicle client.
  • the image of the accident state is sent to the remote responsible server and the fixed service server through the Internet of Things; the accident state image of the vehicle sent by the traffic management part to the owner A and the owner B through the responsible server Conduct an audit; after the approval, pass the responsibility division text, and send it to the vehicle owner of the owner A and the owner B through the responsible server, for the owner A and the owner B to confirm; when the audit fails, pass the responsibility server
  • the in-vehicle client respectively sent to the owner A and/or the owner B sends a notification of "resubmission of the accident state image of the vehicle", at which time the owner A and/or the owner B need to resubmit the accident state image of the vehicle through the vehicle client until The staff of the traffic management section approves the accident state image of the vehicle sent by the owner A and/or the owner B through the responsible server, and
  • the in-vehicle client sent to the owner A and/or the owner B through the fixed-loss server sends a “resubmission of the accident state of the vehicle”.
  • the notification of the image at this time, the owner A and/or the owner B need to resubmit the accident state image of the vehicle through the vehicle client until the staff of the traffic management section sends the message to the owner A and/or the owner B through the fixed service server.
  • the vehicle's accident status image is approved and then the loss degree text is made.
  • the owner A and the owner B receive the responsibility division text and the loss degree text through the vehicle client and review the two. If the owner A and the owner B have no problems, they pass the corresponding vehicle client to the responsible server and The fixed-loss server feedbacks the audit information, confirms “no objection”, and then the responsible server and the fixed-loss server confirm the “no objection” responsibility division text and loss degree text online to the claim service according to the owner A and the owner B.
  • the insurance business notice can specifically be "please send the remaining relevant materials for insurance to the insurance server", the remaining relevant materials required for insurance are specifically the accident vehicle owner certification documents, which can Including the owner's identity, vehicle identity and policy, etc.; if the owner A and / or the owner B through the corresponding in-vehicle client to the responsible server and / or the fixed service server feedback "dissenting" audit information (this time represents the owner A And/or the owner B is not satisfied with the text of the responsibility and/or the degree of loss sent by the responsible server and/or the fixed server, then traffic management Some staff and/or insurance company staff re-issue the text and loss degree text through the responsible server and/or the fixed service server until the owner A and the owner B confirm “no objection”.
  • the number of times the owner A and the owner B have reviewed the responsibility text and the loss degree text issued by the responsible server and the fixed service server through the in-vehicle client are not infinite, in order to save the program and time, in the vehicle.
  • the “audit threshold” is pre-set in the client. When the on-board client audits the text of the responsibility division and the loss degree text issued by the responsible server and the loss server, the number of audits exceeds the “audit threshold”, the traffic accident is online. At the end of the processing process, the owner is required to make an appeal and post-processing online.
  • the "audit number threshold” in the embodiment 14 of the present invention may be set to 3 times, and when the total number of times "the objection” is returned by the owner A and the owner B exceeds 3 times, the online processing process ends (here, “the number of audits" "Threshold” is a variable, which automatically changes according to the number of accident objects. It does not need to be set. Specifically, it can be fixed to the number of accident objects plus one. For example, there are four accident owners, then the "audit threshold” is 5);
  • the “audit threshold” preset in the client can not only eliminate the waste of resources and time of related departments caused by malicious operation of some owners, but also urge the owner to handle the accident carefully and avoid the subsequent contradictions.
  • the claim server receives the final responsibility division text and loss degree text sent from the responsible server and the loss service server, and the accident owner document and the final vehicle accident status required for the insurance service sent by the vehicle client.
  • the claim service is online, and the claim result is sent online to the vehicle owner A and the owner B of the vehicle owner B, and the maintenance service terminal.
  • the maintenance server is based on the claim result. Providing repair service for the vehicle owner A and/or the owner B vehicle, and feeding back the repair result to the claim server and the corresponding vehicle Load the client.
  • the maintenance service terminal provides maintenance service for the vehicle owner A and/or the owner B vehicle, and the maintenance server receives the settlement result sent by the claim server and the vehicle owner A and/or the vehicle owner B of the owner B.
  • the claims result matches. That is to say, the maintenance server receives the two claims results from the claims server and the in-vehicle client to provide follow-up maintenance services, so as to avoid the drawbacks caused by the owner's forgery claims.
  • the invention relates to a traffic accident processing method based on the Internet of Things, which connects the in-vehicle client, the responsible server, the fixed-loss server and the claims server through the Internet of Things, and through the forensic server, uses the responsible server and the fixed-loss service.
  • the terminal and claims server can realize online responsibility, loss determination and claim settlement. It does not require traffic management personnel and insurance company personnel to arrive at the scene of the accident, and the owner does not need to go to the insurance company to submit relevant certification materials, which simplifies the formalities of claim settlement. And improve the efficiency of traffic accident handling.

Abstract

本发明涉及一种基于物联网的交通事故处理系统及方法，其系统包括接入物联网的车载客户端、定责服务端、定损服务端和理赔服务端；车载客户端用于实地记录车辆的事故状态图像，还用于审核责任划分文本和损失程度文本，还用于向所述理赔服务端提供保险业务所需的事故车主证明文件；定责服务端用于生成事故车主的责任划分文本，定损服务端用于生成车辆的损失程度文本，定责服务端和定损服务端还用于将责任划分文本和损失程度文本在线发送至理赔服务端；理赔服务端用于根据车辆的事故状态图像、责任划分文本和损失程度文本以及事故车主证明文件进行线上理赔服务。本发明的系统简化了定责理赔手续且提高了交通事故处理效率。

Description

一种基于物联网的交通事故处理系统及方法 技术领域
本发明涉及物联网技术领域，尤其涉及一种基于物联网的交通事故处理系统及方法。
背景技术
随着时代的进步，车辆已经成为户外出行不可缺少的交通工具且呈增长趋势，随之而来的就是交通事故率的增加。现有交通事故处理的模式是：向交通管理部门和保险公司进行报案→交通管理部门赶赴交通事故现场进行处理，并出具交通事故认定书→保险公司相关人员对交通事故现场进行勘查、检验后定损估价→车主到保险公司提交索赔材料→保险公司给出理赔结果；在这个处理过程中，需要交通管理部门的人员到现场取证拍照并进行责任划分，然后还需保险公司到现场进行定损处理，最后还需要当事人去保险公司提交相关材料后等待理赔公司的理赔；由此看来，现有的理赔模式需要花费交通管理部门、保险公司和当事人很多的时间，这样使得定责理赔手续复杂且效率低。
发明内容
为解决上述技术问题，本发明提供了一种基于物联网的交通事故处理系统及方法。
第一方面，本发明提供了一种基于物联网的交通事故处理系统，包括接入物联网的车载客户端、定责服务端、定损服务端和理赔服务端；
所述车载客户端用于实地记录车辆的事故状态图像，并实时发送给所述定责服务端、定损服务端和理赔服务端；
所述定责服务端用于根据所述事故状态图像生成事故车主的责任划分文本，并在线发送至所述车载客户端；
所述定损服务端用于根据所述事故状态图像生成车辆的损失程度文本，并在线发送至所述车载客户端；
所述车载客户端还用于供事故车主审核所述责任划分文本和损失程度文本，并向所述定责服务端和定损服务端反馈审核信息；
所述定责服务端和定损服务端还用于根据所述审核信息将经过事故车主审核无异议的所述责任划分文本和损失程度文本在线发送至所述理赔服务端，并向所述车载客户端发送保险业务通知；
所述车载客户端还用于根据所述保险业务通知向所述理赔服务端提供保险业务所需的事故车主证明文件；
所述理赔服务端用于根据所述事故状态图像、经过事故车主审核无异议的所述责任划分文本和损失程度文本以及所述事故车主证明文件进行线上理赔服务，并将理赔结果在线发送至所述车载客户端。
上述方案的有益效果在于：本发明一种基于物联网的交通事故处理系统将车载客户端、定责服务端、定损服务端和理赔服务端通过物联网连接，通过车载客户端的取证，利用定责服务端、定损服务端和理赔服务端可以实现在线定责、定损和理赔，不需要交通管理部门人员和保险公司人员到达事故现场，也不需要事主亲自去保险公司递交相关证明材料，其简化了定责理赔手续且提高了交通事故处理效率。
进一步，所述定责服务端和定损服务端还分别用于对所述车载客户端发送的所述事故状态图像进行审核；
若审核不通过，则所述定责服务端和/或定损服务端分别向所述车载客户端发送重新提供车辆的事故状态图像的通知，所述车载客户端根据所述通知重新发送所述事故状态图像，直至所述定责服务端和/或定损服务端审核通过；
若审核通过，则分别生成事故车主的所述责任划分文本和车辆的损失程度文本。
在上述进一步的方案中，所述定责服务端和定损服务端对所述车载客户端发送的所述事故状态图像进行审核，审核所述车载客户端发送的所述事故状态图像是否正确，以便定责服务端和定损服务端做出合理无误的责任划分文本和损失程度文本。
进一步，所述车载客户端将经过所述定责服务端和定损服务端审核通过后的所述事故状态图像发送至所述理赔服务端。
在上述进一步的方案中，车载客户端将经过定责服务端和定损服务端审核通过后的车辆的事故状态图像发送至理赔服务端，可以保证理赔服务端收到的审核材料内容保持一致，有利于理赔服务的进行。
第二方面，本发明提供了一种基于物联网的交通事故处理方法，包括以下步骤，
S1，车载客户端实地记录车辆的事故状态图像，并实时发送给定责服务端、定损服务端和理赔服务端；
S2a，定责服务端根据所述事故状态图像生成事故车主的责任划分文本，并在线发送至车载客户端；
S2b，定损服务端根据所述事故状态图像生成车辆的损失程度文本，并在线发送至车载客户端；
S3，车载客户端供事故车主审核所述责任划分文本和损失程度文本，并向定责服务端和定损服务端反馈审核信息；
S4，定责服务端和定损服务端根据所述审核信息将经过事故车主审核无异议的所述责任划分文本和损失程度文本在线发送至理赔服务端，并向车载客户端发送保险业务通知；
S5，车载客户端根据所述保险业务通知向理赔服务端提供保险业务所需的事故车主证明文件；
S6，理赔服务端根据所述事故状态图像、经过事故车主审核无异议的所述责任划分文本和损失程度文本以及所述事故车主证明文件进行线上理赔服务，并将理赔结果在线发送至车载客户端。
上述方案的有益效果在于：本发明一种基于物联网的交通事故处理方法将车载客户端、定责服务端、定损服务端和理赔服务端通过物联网连接，通过车载客户端的取证，利用定责服务端、定损服务端和理赔服务端可以实现在线定责、定损和理赔，不需要交通管理部门人员和保险公司人员到达事故现场，也不需要事主亲自去保险公司递交相关证明材料，其简化了定责理赔手续且提高了交通事故处理效率。
进一步，在S2a和S2b中，所述定责服务端和定损服务端还对所述车载客户端发送的所述事故状态图像进行审核；
若审核不通过，则所述定责服务端和定损服务端分别向所述车载客户端发送重新提供所述事故状态图像的通知，所述车载客户端根据所述通知重新发送所述事故状态图像，直至所述定责服务端和定损服务端审核通过；
若审核通过，则分别生成事故车主的所述责任划分文本和车辆的损失程度文本。
在上述进一步的方案中，所述定责服务端和定损服务端对所述车载客户端发送的所述事故状态图像进行审核，审核所述车载客户端发送的所述事故状态图像是否正确，以便所述定责服务端和定损服务端做出合理无误的所述责任划分文本和损失程度文本。
进一步，在S1中，所述车载客户端将经过所述定责服务端和定损服务端审核通过后的所述事故状态图像发送至所述理赔服务端。
在上述进一步的方案中，所述车载客户端将经过所述定责服务端和定损服务端审核通过后的所述事故状态图像发送至理赔服务端，可以保证所述理赔服务端收到的审核材料内容保持一致，有利于理赔服务的进行。
附图说明
图1为本发明实施例1提供的一种基于物联网的交通事故处理系统的结构框图；
图2为本发明实施例1提供的一种基于物联网的交通事故处理系统的架构图；
图3为本发明实施例2提供的一种基于物联网的交通事故处理系统的结构框图；
图4为本发明实施例2提供的一种基于物联网的交通事故处理系统的架构图；
图5为本发明实施例8提供的一种基于物联网的交通事故处理方法的流程图；
图6为本发明实施例9提供的一种基于物联网的交通事故处理方法的流程图；
图7为本发明实施例10的提供的一种基于物联网的交通事故处理方法中涉及定责服务端处理的信令流程图；
图8为本发明实施例10的提供的一种基于物联网的交通事故处理方法中涉及定损服务端处理的信令流程图；
图9为本发明实施例11的提供的一种基于物联网的交通事故处理方法中涉及维修服务端处理的信令流程图；
图10为本发明实施例12提供的一种基于物联网的交通事故处理方法实施的原理图。
具体实施方式
以下描述中，为了说明而不是为了限定，提出了诸如特定系统结构、接口、技术之类的具体细节，以便透切理解本发明。然而，本领域的技术人员应当清楚，在没有这些具体细节的其它实施例中也可以实现本发明。在其它情况中，省略对众所周知的系统、电路以及方法的详细说明，以免不必要的细节妨碍本发明的描述。
实施例1：
图1为本发明实施例1提供的一种基于物联网的交通事故处理系统的结构框图。
具体如图1所示，一种基于物联网的交通事故处理系统，包括接入物联网的车载客户端、定责服务端、定损服务端和理赔服务端；
所述车载客户端用于实地记录车辆的事故状态图像，并实时发送给所述定责服务端、定损服务端和理赔服务端；
所述定责服务端用于根据车辆的事故状态图像生成事故车主的责任划分文本，并在线发送至所述车载客户端；
所述定损服务端用于根据车辆的事故状态图像生成车辆的损失程度文本，并在线发送至所述车载客户端；
所述车载客户端还用于供事故车主审核责任划分文本和损失程度文本，并向所述定责服务端和定损服务端反馈审核信息；
所述定责服务端和定损服务端还用于根据反馈审核信息将经过事故车主审核无异议的责任划分文本和损失程度文本在线发送至所述理赔服务端，并向所述车载客户端发送保险业务通知；
所述车载客户端还用于根据保险业务通知向所述理赔服务端提供保险业务所需的事故车主证明文件；
所述理赔服务端用于根据车辆的事故状态图像、经过事故车主审核无异议的责任划分文本和损失程度文本以及事故车主证明文件进行线上理赔服务，并将理赔结果在线发送至所述车载客户端。
在本发明实施例1中，车载客户端放置在车辆上供车主使用，定损服务端和理赔服务端放置在保险公司供保险公司人员操作，定责服务端放置在交通管理部门供交通管理部门人员操作，本发明实施例1提供的一种基于物联网的交通事故处理系统的架构如图2所示，在事故现场通过车载客户端采集车辆的事故状态图像，并通过物联网发送至保险公司的定损服务端和交通管理部门的定责服务端，保险公司的定损服务端和交通管理部门的定责服务端在线定责、定损，定责、定损程序完成后通过保险公司的理赔服务端在线理赔，完成交通事故的在线处理。另外，车载客户端可以为手持无线类型的客户端，方便记录车辆的事故状态图像，取证方便。
现有的交通事故处理中，也逐渐出现车主现场拍照取证然后发给交警部门定责的模式，但是后期还是需要车主到交通管理部门去拿定责报告，然后亲自去保险公司进行理赔，这种处理模式同样会耽误车主很多的时间，不能完全实现在线快速处理的目的，在本发明实施例1中，车载客户端、定责服务端、定损服务端和理赔服务端通过物联网连接，通过车载客户端的取证，利用定责服务端、定损服务端和理赔服务端可以实现在线定责、定损和理赔，不需要交通管理部门人员和保险公司人员到达事故现场，也不需要事主亲自去保险公司递交相关证明材料，其简化了定责理赔手续且提高了交通事故处理效率。
实施例2：
在本发明实施例1提供的一种基于物联网的交通事故处理系统的结构的基础上，本发明还提供实施例2，在实施例2中还包括维修服务端；图3为本发明实施例2提供的一种基于物联网的交通事故处理系统的结构框图。
具体的如图3所示，在本发明实施例1提供的一种基于物联网的交通事故处理系统的结构的基础上还包括维修服务端，用于根据理赔结果为车辆提供维修服务，并将维修结果反馈给所述理赔服务端和车载客户端。
在本发明实施例2中，维修服务端的加入，使得本发明的系统更加完善，集在线定责服务、在线定损服务、在线理赔服务和维修服务于一体，实现一条龙的服务，使得交通事故处理更加便捷。
在本发明实施例2中，所述维修服务端具体用于，当接收到的所述理赔服务端发送的理赔结果与车载客户端发送的理赔结果相匹配时，对车辆提供维修服务；所述维修服务端接在所述理赔服务端发送的所述理赔结果与车载客户端发送的所述理赔结果相匹配时对车辆提供维修服务具体为，所述理赔服务端发送的所述理赔结果的理赔单据编号与车载客户端发送的所述理赔结果的理赔单据编号相同时，所述维修服务端根据所述理赔单据编号对应的维修内容对车辆提供维修服务。也就是说维修服务端收到来自理赔服务端和车载客户端的两份理赔结果内容一致才提供后续维修服务，这样可以避免车主伪造理赔结果造成的弊端。
在本发明实施例2中，所述维修服务端放置在车辆维修中心(比如说汽车4S店)供车辆维修中心人员使用；本发明实施例2提供的一种基于物联网的交通事故处理系统的架构如图4所示，在本发明实施例1提供的一种基于物联网的交通事故处理系统的架构的基础上，在车辆维修中心还设有维修服务端，并接入物联网；当维修服务端接收到来自理赔服务端和车载客户端的两份理赔结果内容一致，维修服务端可以向车载客户端发送“维修服务内容”，“维修服务内容”具体可以包括预约的维修时间、地点和对象等，车主根据“维修服务内容”可以直接去车辆维修中心进行车辆维修。
实施例3：
在本发明实施例1或实施例2的基础上，本发明还提供实施例3，在本发明实施例3中，所述定责服务端和定损服务端还分别需要对车载客户端提供的车辆的事故状态图像进行审核；
若审核不通过，则所述定责服务端和/或定损服务端分别向所述车载客户端发送“重新提供车辆的事故状态图像”的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定责服务端和/或定损服务端审核通过；例如，当只有所述定责服务端对车载客户端提供的车辆的事故状态图像进行审核不通过时，则所述定责服务端向所述车载客户端发送“重新提供车辆的事故状态图像”的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定责服务端审核通过；当只有所述定损服务端对车载客户端提供的车辆的事故状态图像进行审核不通过时，则所述定损服务端向所述车载客户端发送“重新提供车辆的事故状态图像”的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定损服务端审核通过；当所述定责服务端和定损服务端同时对车载客户端提供的车辆的事故状态图像进行审核不通过时，则所述定责服务端和定损服务端分别向所述车载客户端发送“重新提供车辆的事故状态图像”的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定责服务端和定损服务端均审核通过。
若审核通过，则分别生成事故车主的责任划分文本和车辆的损失程度文 本。
在本发明实施例3中，定责服务端和定损服务端对车载客户端发送的车辆的事故状态图像进行审核，审核车载客户端发送的车辆的事故状态图像是否正确，以便定责服务端和定损服务端做出合理无误的责任划分文本和损失程度文本。例如，定责服务端的操作者认为辆的事故状态图像不合格，然后就可以操作定责服务端，通过定责服务端向车载客户端发送“重新提供车辆的事故状态图像”的通知，以便作为合理的责任判决。
实施例4：
在本发明实施例3的基础上，本发明还提供实施例4，在本发明实施例4中，所述车载客户端将经过定责服务端和定损服务端审核通过后的车辆的事故状态图像发送至理赔服务端。
在本发明实施例4中，车载客户端将经过定责服务端和定损服务端审核通过后的车辆的事故状态图像发送至理赔服务端，可以保证理赔服务端收到的审核材料内容保持一致，有利于理赔服务的进行。
实施例5：
在本发明实施例1至实施例4任一实施例的基础上，本发明还提供实施例5，在本发明实施例5中，
所述定责服务端还用于根据反馈审核信息将经过事故车主审核有异议的责任划分文本重新进行定责服务，并将重新确定的责任划分文本发送至车载客户端供事故车主进行审核，直至事故车主审核无异议为止；
所述定损服务端还用于根据反馈审核信息将经过事故车主审核有异议的损失程度文本重新进行定损服务，并将重新确定的损失程度文本发送至车载客户端供事故车主进行审核，直至事故车主审核无异议为止。
在本发明实施例5中，车主可以通过车载客户端对定责服务端和定损服务端发出的责任划分文本和损失程度文本进行审核，使得事故处理过程更加公平、公正和人性化。
另外，在此处，车主通过车载客户端对定责服务端和定损服务端发出的责任划分文本和损失程度文本进行审核的次数并不是无限次的，为了节约程序和时间，在车载客户端中预设有“审核次数阈值”，当车载客户端对定责服务端和定损服务端发出的责任划分文本和损失程度文本进行审核的次数超过“审核次数阈值”时，交通事故在线处理进程结束，这时就需要车主在线下进行申诉及后期处理。
车载客户端中预设的“审核次数阈值”，不仅可以杜绝某些车主恶意操作而造成的相关部门资源和时间的浪费，而且还可以督促车主慎重处理事故，避免后续矛盾的产生。
实施例6：
在实施例1至实施例5任一实施例的基础上，本发明还提供实施例6，在本发明实施例6中，事故车主证明文件固化存储在所述车载客户端上，且事故车主证明文件包括车主信息、车辆信息和保单信息。
在本发明实施例6中，事故车主证明文件存储采用固化的方式，有以下好处，1)方便车主发送事故车主证明文件；2)由于是固化存储，那么意味着每台车对应着一个车载客户端，可以避免他人弄虚作假骗取保金的行为。
实施例7：
本发明还提供实施例7，在本发明实施例7中，车载客户端包括行车记录仪和手持且具有拍照录像功能的智能终端；其中，行车记录仪设有多个，分别分布安装在车辆的四周，用于实时记录车辆在行车过程中状况；车辆在正常行驶的状态下，多个行车记录仪均通过USB接口与手持且具有拍照功能的智能终端连接，使得行车记录仪拍摄的视频存储在智能终端内；当出现交通事故时，断开智能终端和行车记录仪的连接，方便车主到车外拍照取证；将行车记录仪录制的视频与智能终端拍摄的图片综合处理，可以有效的作为定责服务端的定责凭证，使得证据更加真实和充分。
实施例8：
基于上述实施例1至实施例7任一个实施例所述的一种基于物联网的交通事故处理系统，本发明实施例8还提供了一种基于物联网的交通事故处理方法，其是利用上述实施例1至实施例7任一个实施例所述的一种基于物联网的交通事故处理系统进行处理，包括以下步骤，如图5所示，
S1，车载客户端实地记录车辆的事故状态图像，并实时发送给定责服务端、定损服务端和理赔服务端；
S2a，定责服务端根据车辆的事故状态图像生成事故车主的责任划分文本，并在线发送至车载客户端；
S2b，定损服务端根据车辆的事故状态图像生成车辆的损失程度文本，并在线发送至车载客户端；
S3，车载客户端供事故车主审核责任划分文本和损失程度文本，并向定责服务端和定损服务端反馈审核信息；
S4，定责服务端和定损服务端根据反馈审核信息将经过事故车主审核无异议的责任划分文本和损失程度文本在线发送至理赔服务端，并向车载客户端发送保险业务通知；
S5，车载客户端根据保险业务通知向理赔服务端提供保险业务所需的事故车主证明文件；
S6，理赔服务端根据车辆的事故状态图像、经过事故车主审核无异议的责任划分文本和损失程度文本以及事故车主证明文件进行线上理赔服务，并将理赔结果在线发送至车载客户端。
在本发明实施例8中，车载客户端、定责服务端、定损服务端和理赔服务端通过物联网连接，通过车载客户端的取证，利用定责服务端、定损服务端和理赔服务端可以实现在线定责、定损和理赔，不需要交通管理部门人员和保险公司人员到达事故现场，也不需要事主亲自去保险公司递交相关证明材料，其简化了定责理赔手续且提高了交通事故处理效率。
实施例9：
在本发明实施例8提供的一种基于物联网的交通事故处理方法的基础上，本发明还提供实施例9，在实施例9中还包利用括维修服务端提供后期维修服务的步骤；图6为本发明实施例9提供的一种基于物联网的交通事故处理方法的流程图。
具体的如图6所示，在本发明实施例8提供的一种基于物联网的交通事故处理方法的基础上，所述维修服务端分别与所述理赔服务端和车载客户端相关联，所述维修服务端根据理赔结果为车辆提供维修服务，并将维修结果反馈给所述理赔服务端和车载客户端。
本发明实施例9可以使本发明的方法更加完善，集在线定责服务、在线定损服务、在线理赔服务和维修服务于一体，实现一条龙的服务，使得交通事故处理更加便捷。
在本发明实施例9中，所述维修服务端为车辆提供维修服务的条件为，所述维修服务端接收到所述理赔服务端发送过来的理赔结果与车载客户端发送过来的理赔结果相匹配；所述维修服务端接在所述理赔服务端发送的所述理赔结果与车载客户端发送的所述理赔结果相匹配时对车辆提供维修服务具体为，所述理赔服务端发送的所述理赔结果的理赔单据编号与车载客户端发送的所述理赔结果的理赔单据编号相同时，所述维修服务端根据所述理赔单据编号对应的维修内容对车辆提供维修服务。也就是说维修服务端收到来自理赔服务端和车载客户端的两份理赔结果内容一致才提供后续维修服务，这样可以避免车主伪造理赔结果造成的弊端。
实施例10：
在本发明实施例8或实施例9的基础上，本发明还提供实施例10，在本发明实施例10中，在步骤S2a和S2b中，所述定责服务端和定损服务端还包括分别对车载客户端提供的车辆的事故状态图像进行审核的步骤；图7为本发明实施例10的提供的一种基于物联网的交通事故处理方法中涉及定责服务端处理的信令流程图；图8为本发明实施例10的提供的一种基于物联网的交通事故处理方法中涉及定损服务端处理的信令流程图；
若审核不通过，则所述定责服务端和/或定损服务端分别向所述车载客户端发送重新提供车辆的事故状态图像的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定责服务端和/或定损服务端审核通过； 例如，当只有所述定责服务端对车载客户端提供的车辆的事故状态图像进行审核不通过时，则所述定责服务端向所述车载客户端发送“重新提供车辆的事故状态图像”的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定责服务端审核通过；当只有所述定损服务端对车载客户端提供的车辆的事故状态图像进行审核不通过时，则所述定损服务端向所述车载客户端发送“重新提供车辆的事故状态图像”的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定损服务端审核通过；当所述定责服务端和定损服务端同时对车载客户端提供的车辆的事故状态图像进行审核不通过时，则所述定责服务端和定损服务端分别向所述车载客户端发送“重新提供车辆的事故状态图像”的通知，车载客户端根据通知重新发送车辆的事故状态图像，直至所述定责服务端和定损服务端均审核通过。
若审核通过，则分别生成事故车主的责任划分文本和车辆的损失程度文本。
在本发明实施例10中，定责服务端和定损服务端对车载客户端发送的车辆的事故状态图像进行审核，审核车载客户端发送的车辆的事故状态图像是否正确，以便定责服务端和定损服务端做出合理无误的责任划分文本和损失程度文本。
实施例11：
在本发明实施例10的基础上，本发明还提供实施例11，在本发明实施例11中，在步骤S3中，所述车载客户端将经过定责服务端和定损服务端审核通过后的车辆的事故状态图像发送至理赔服务端。图9为本发明实施例11的提供的一种基于物联网的交通事故处理方法中涉及维修服务端处理的信令流程图。
在本发明实施例11中，车载客户端将经过定责服务端和定损服务端审核通过后的车辆的事故状态图像发送至理赔服务端，可以保证理赔服务端收到的审核材料内容保持一致，有利于理赔服务的进行。
实施例12：
在实施例8至实施例11任一实施例的基础上，本发明还提供实施例12，在本发明实施例12中，在步骤S4中，所述定责服务端还需要根据反馈审核信息将经过事故车主审核有异议的责任划分文本重新进行定责服务，并将重新确定的责任划分文本发送至车载客户端供事故车主进行审核，直至事故车主审核无异议为止；
所述定损服务端还需要根据反馈审核信息将经过事故车主审核有异议的损失程度文本重新进行定损服务，并将重新确定的损失程度文本发送至车载客户端供事故车主进行审核，直至事故车主审核无异议为止。
在本发明实施例12中，车主可以通过车载客户端对定责服务端和定损 服务端发出的责任划分文本和损失程度文本进行审核，使得事故处理过程更加公平、公正和人性化。
另外，在此处，车主通过车载客户端对定责服务端和定损服务端发出的责任划分文本和损失程度文本进行审核的次数并不是无限次的，为了节约程序和时间，在车载客户端中预设有“审核次数阈值”，当车载客户端对定责服务端和定损服务端发出的责任划分文本和损失程度文本进行审核的次数超过“审核次数阈值”时，交通事故在线处理进程结束，这时就需要车主在线下进行申诉及后期处理。
车载客户端中预设的“审核次数阈值”，不仅可以杜绝某些车主恶意操作而造成的相关部门资源和时间的浪费，而且还可以督促车主慎重处理事故，避免后续矛盾的产生。
实施例13：
在实施例8至实施例12任一实施例的基础上，本发明还提供实施例13，在本发明实施例13中，事故车主证明文件固化存储在所述车载客户端上，且事故车主证明文件包括车主信息、车辆信息和保单信息。
在本发明实施例13中，事故车主证明文件存储采用固化的方式，有以下好处，1)方便车主发送事故车主证明文件；2)由于是固化存储，那么意味着每台车对应着一个车载客户端，可以避免他人弄虚作假骗取保金的行为。
实施例14：
下面以两位车主发生交通事故为例，以本发明提供的一种基于物联网的交通事故处理方法进行交通事故的处理，其实施的原理如图10所示。
车主A和车主B之间发生交通事故(车主A的车上和车主B的车上均安装有车载客户端)，在交通事故发生后，车主A和车主B分别通过车载客户端记录各自车辆的事故状态图像，并均通过物联网分别发送给远程的定责服务端和定损服务端；交通管理部分的工作人员通过定责服务端分别对车主A和车主B发送过来的车辆的事故状态图像进行审核；在审核通过后作出责任划分文本，并通过定责服务端分别发送至车主A和车主B的车载客户端，供车主A和车主B确认；当审核不通过时，通过定责服务端分别发送至车主A和/或车主B的车载客户端发送“重新提交车辆的事故状态图像”的通知，此时车主A和/或车主B需要通过车载客户端重新提交车辆的事故状态图像，直至交通管理部分的工作人员通过定责服务端对车主A和/或车主B发送过来的车辆的事故状态图像审核通过，然后做出责任划分文本；同理，保险公司的工作人员通过定损服务端分别对车主A和车主B发送过来的车辆的事故状态图像进行审核；在审核通过后作出损失程度文本，并通过定损服务端分别发送至车主A和车主B的载客户端；当审核不通过时，通过定损服务端分别发送至车主A和/或车主B的车载客户端发送“重新提交车辆的事故状态 图像”的通知，此时车主A和/或车主B需要通过车载客户端重新提交车辆的事故状态图像，直至交通管理部分的工作人员通过定损服务端对车主A和/或车主B发送过来的车辆的事故状态图像审核通过，然后做出损失程度文本。同时，车载客户端将经过定责服务端和定损服务端审核通过后的车辆的事故状态图像发送至理赔服务端。
车主A和车主B通过车载客户端收到责任划分文本和损失程度文本并对两者进行审核，若车主A和车主B审核均没有问题，则分别通过对应的车载客户端向定责服务端和定损服务端反馈审核信息，确认“无异议”，然后定责服务端和定损服务端根据车主A和车主B确认“无异议”的责任划分文本和损失程度文本在线发送至所述理赔服务端，并向车主A和车主B发送保险业务通知，保险业务通知具体可以为“请发送保险所需剩余相关材料至保险服务端”，保险所需剩余相关材料具体为事故车主证明文件，其可以包括车主身份、车辆身份和保单等；如果车主A和/或车主B通过对应的车载客户端向定责服务端和/或定损服务端反馈“有异议”的审核信息(这时代表车主A和/或车主B对定责服务端和/或定损服务端发送的责任划分文本和/或损失程度文本不满意)，那么交通管理部分工作人员和/或保险公司工作人员通过定责服务端和/或定损服务端重新作出责任划分文本和损失程度文本，直至车主A和车主B确认“无异议”。在此处，车主A和车主B通过车载客户端对定责服务端和定损服务端发出的责任划分文本和损失程度文本进行审核的次数并不是无限次的，为了节约程序和时间，在车载客户端中预设有“审核次数阈值”，当车载客户端对定责服务端和定损服务端发出的责任划分文本和损失程度文本进行审核的次数超过“审核次数阈值”时，交通事故在线处理进程结束，这时就需要车主在线下进行申诉及后期处理。例如，本发明实施例14中的“审核次数阈值”可以设置为3次，当车主A和车主B反馈“有异议”的总次数超过3次时，在线处理进程结束(在这里，“审核次数阈值”是一个变量，其根据事故对象的数量自动改变，不需认为设定，具体可以固定设为事故对象数量加一，例如有四位事故车主，那么“审核次数阈值”为5)；车载客户端中预设的“审核次数阈值”，不仅可以杜绝某些车主恶意操作而造成的相关部门资源和时间的浪费，而且还可以督促车主慎重处理事故，避免后续矛盾的产生。
理赔服务端在收到定责服务端和定损服务端发送过来的最终的责任划分文本和损失程度文本以及车载客户端发送过来的保险业务所需的事故车主证明文件和最终的车辆的事故状态图像后，在线进行理赔服务，并将理赔结果在线发送至车主A和车主B的车载客户端，以及维修服务端，当车主A和/或车主B的车辆需要维修时，维修服务端根据理赔结果为车主A和/或车主B的车辆提供维修服务，并将维修结果反馈给所述理赔服务端和对应的车 载客户端。维修服务端为车主A和/或车主B的车辆提供维修服务的条件为，维修服务端接收到所述理赔服务端发送过来的理赔结果与车主A和/或车主B的车载客户端发送过来的理赔结果相匹配。也就是说维修服务端收到来自理赔服务端和车载客户端的两份理赔结果内容一致才提供后续维修服务，这样可以避免车主伪造理赔结果造成的弊端。
本发明一种基于物联网的交通事故处理方法将车载客户端、定责服务端、定损服务端和理赔服务端通过物联网连接，通过车载客户端的取证，利用定责服务端、定损服务端和理赔服务端可以实现在线定责、定损和理赔，不需要交通管理部门人员和保险公司人员到达事故现场，也不需要事主亲自去保险公司递交相关证明材料，其简化了定责理赔手续且提高了交通事故处理效率。
读者应理解，在本说明书的描述中，参考术语“一个实施例”、“一些实施例”、“示例”、“具体示例”、或“一些示例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或者特点包含于本发明的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不必针对的是相同的实施例或示例。而且，描述的具体特征、结构、材料或者特点可以在任一个或多个实施例或示例中以合适的方式结合。此外，在不相互矛盾的情况下，本领域的技术人员可以将本说明书中描述的不同实施例或示例以及不同实施例或示例的特征进行结合和组合。
尽管上面已经示出和描述了本发明的实施例，可以理解的是，上述实施例是示例性的，不能理解为对本发明的限制，本领域的普通技术人员在本发明的范围内可以对上述实施例进行变化、修改、替换和变型。

Claims (10)

  1. 一种基于物联网的交通事故处理系统，其特征在于：包括接入物联网的车载客户端、定责服务端、定损服务端和理赔服务端；
    所述车载客户端用于实地记录车辆的事故状态图像，并实时发送给所述定责服务端、定损服务端和理赔服务端；
    所述定责服务端用于根据所述事故状态图像生成事故车主的责任划分文本，并在线发送至所述车载客户端；
    所述定损服务端用于根据所述事故状态图像生成车辆的损失程度文本，并在线发送至所述车载客户端；
    所述车载客户端还用于供事故车主审核所述责任划分文本和损失程度文本，并向所述定责服务端和定损服务端反馈审核信息；
    所述定责服务端和定损服务端还用于根据所述审核信息将经过事故车主审核无异议的所述责任划分文本和损失程度文本在线发送至所述理赔服务端，并向所述车载客户端发送保险业务通知；
    所述车载客户端还用于根据所述保险业务通知向所述理赔服务端发送保险业务所需的事故车主证明文件；
    所述理赔服务端用于根据所述事故状态图像、经过事故车主审核无异议的所述责任划分文本和损失程度文本以及所述事故车主证明文件进行线上理赔服务，并将理赔结果在线发送至所述车载客户端。
  2. 根据权利要求1所述的一种基于物联网的交通事故处理系统，其特征在于：还包括维修服务端，用于根据所述理赔结果为车辆提供维修服务，并将维修结果反馈给所述理赔服务端和车载客户端。
  3. 根据权利要求2所述的一种基于物联网的交通事故处理系统，其特征在于：所述维修服务端具体用于，当接收到的所述理赔服务端发送的所述理赔结果与车载客户端发送的所述理赔结果相匹配时，对车辆提供维修服务；
    所述维修服务端在所述理赔服务端发送的所述理赔结果与车载客户端发送的所述理赔结果相匹配时对车辆提供维修服务具体为，所述理赔服务端发送的所述理赔结果的理赔单据编号与车载客户端发送的所述理赔结果的理赔单据编号相同时，所述维修服务端根据所述理赔单据编号对应的维修内容对车辆提供维修服务。
  4. 根据权利要求1至3任一项所述的一种基于物联网的交通事故处理系统，其特征在于：所述定责服务端还用于根据所述审核信息将经过事故车主审核有异议的所述责任划分文本重新进行定责服务，并将重新确定的所述责任划分文本发送至所述车载客户端供事故车主进行审核，直至事故车主审核无异议为止；
    所述定损服务端还用于根据所述审核信息将经过事故车主审核有异议 的所述损失程度文本重新进行定损服务，并将重新确定的所述损失程度文本发送至所述车载客户端供事故车主进行审核，直至事故车主审核无异议为止。
  5. 根据权利要求1至3任一项所述的一种基于物联网的交通事故处理系统，其特征在于：所述事故车主证明文件固化存储在所述车载客户端上，且所述事故车主证明文件包括车主信息、车辆信息和保单信息。
  6. 一种基于物联网的交通事故处理方法，其特征在于：包括以下步骤，
    S1，车载客户端实地记录车辆的事故状态图像，并实时发送给定责服务端、定损服务端和理赔服务端；
    S2a，定责服务端根据所述事故状态图像生成事故车主的责任划分文本，并在线发送至车载客户端；
    S2b，定损服务端根据所述事故状态图像生成车辆的损失程度文本，并在线发送至车载客户端；
    S3，车载客户端供事故车主审核所述责任划分文本和损失程度文本，并向所述定责服务端和定损服务端反馈审核信息；
    S4，定责服务端和定损服务端根据所述审核信息将经过事故车主审核无异议的所述责任划分文本和损失程度文本在线发送至理赔服务端，并向车载客户端发送保险业务通知；
    S5，车载客户端根据所述保险业务通知向理赔服务端提供保险业务所需的事故车主证明文件；
    S6，理赔服务端根据所述事故状态图像、经过事故车主审核无异议的所述责任划分文本和损失程度文本以及所述事故车主证明文件进行线上理赔服务，并将理赔结果在线发送至车载客户端。
  7. 根据权利要求6所述的一种基于物联网的交通事故处理方法，其特征在于：还包括步骤S7，
    S7，维修服务端根据所述理赔结果为车辆提供维修服务，并将维修结果反馈给理赔服务端和车载客户端。
  8. 根据权利要求7所述的一种基于物联网的交通事故处理方法，其特征在于：所述S7具体为，当所述维修服务端接收到的所述理赔服务端发送的所述理赔结果与所述车载客户端发送的所述理赔结果相匹配时，对车辆提供维修服务；
    所述维修服务端接在所述理赔服务端发送的所述理赔结果与车载客户端发送的所述理赔结果相匹配时对车辆提供维修服务具体为，所述理赔服务端发送的所述理赔结果的理赔单据编号与车载客户端发送的所述理赔结果的理赔单据编号相同时，所述维修服务端根据所述理赔单据编号对应的维修内容对车辆提供维修服务。
  9. 根据权利要求6至8任一项所述的一种基于物联网的交通事故处理方法，其特征在于：在S4中，
    所述定责服务端还根据所述审核信息将经过事故车主审核有异议的所述责任划分文本重新进行定责服务，并将重新确定的所述责任划分文本发送至所述车载客户端供事故车主进行审核，直至事故车主审核无异议为止；
    所述定损服务端还根据所述审核信息将经过事故车主审核有异议的所述损失程度文本重新进行定损服务，并将重新确定的所述损失程度文本发送至车载客户端供事故车主进行审核，直至事故车主审核无异议为止。
  10. 根据权利要求6至8任一项所述的一种基于物联网的交通事故处理方法，其特征在于：在S5中，所述事故车主证明文件固化存储在所述车载客户端上，且所述事故车主证明文件包括车主信息、车辆信息和保单信息。
PCT/CN2017/097763 2017-06-23 2017-08-17 一种基于物联网的交通事故处理系统及方法 WO2018232931A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710486959.4 2017-06-23
CN201710486959.4A CN107369096A (zh) 2017-06-23 2017-06-23 一种基于物联网的交通事故处理系统及方法

Publications (1)

Publication Number Publication Date
WO2018232931A1 true WO2018232931A1 (zh) 2018-12-27

Family

ID=60306544

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2017/097763 WO2018232931A1 (zh) 2017-06-23 2017-08-17 一种基于物联网的交通事故处理系统及方法

Country Status (2)

Country Link
CN (1) CN107369096A (zh)
WO (1) WO2018232931A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023277989A1 (en) * 2021-06-29 2023-01-05 Motorola Solutions, Inc. Device, system, and method for providing an indication that media has not yet been uploaded to a data store

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108090733A (zh) * 2017-12-11 2018-05-29 东软集团股份有限公司 一种实现车险直赔的方法和装置
CN109034408A (zh) * 2018-06-29 2018-12-18 上海博泰悦臻网络技术服务有限公司 车辆事故处理方法及服务器
CN109345822B (zh) * 2018-11-22 2021-07-13 武汉市公安局交通管理支队 一种基于移动终端的交通事故快速定责的方法及系统
CN109785158A (zh) * 2018-12-13 2019-05-21 平安医疗健康管理股份有限公司 一种健康险核责数据处理方法、服务器及计算机可读介质
CN109754326A (zh) * 2019-01-11 2019-05-14 福建工程学院 一种轻微交通事故辅助快速定损的方法及系统
CN112561716A (zh) * 2020-12-22 2021-03-26 海腾保险代理有限公司 车辆事故处理方法、装置、电子设备和存储介质

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105303474A (zh) * 2015-10-10 2016-02-03 北京中软政通信息技术有限公司 一种交通事故现场快速处理方法及系统
CN106231551A (zh) * 2016-07-29 2016-12-14 深圳市永兴元科技有限公司 基于移动通信网络的车险理赔方法及装置
CN106228448A (zh) * 2016-07-29 2016-12-14 深圳市永兴元科技有限公司 基于移动通信网络的车险理赔方法及装置
CN106447501A (zh) * 2016-12-19 2017-02-22 东软集团股份有限公司 交通事故理赔方法及装置

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130012166A (ko) * 2011-06-12 2013-02-01 (주)스마일스토리 스마트 기기를 이용한 자동차 보험 견적 서비스 제공 방법
CN103824154A (zh) * 2014-02-08 2014-05-28 刘文书 一种车在线事故解决方法及系统
CN104376736A (zh) * 2014-12-01 2015-02-25 山东理工大学 一种物联网交通事故警示系统
CN105005932A (zh) * 2015-08-20 2015-10-28 南京安通杰科技实业有限公司 一种交通事故定责理赔方法
CN106296409A (zh) * 2016-08-01 2017-01-04 深圳市永兴元科技有限公司 车辆事故现场勘察方法和系统
CN106600421A (zh) * 2016-11-21 2017-04-26 中国平安财产保险股份有限公司 一种基于图片识别的车险智能定损方法及系统
CN106504173A (zh) * 2016-12-19 2017-03-15 东软集团股份有限公司 交通事故处理的方法、装置及系统
CN106781437A (zh) * 2016-12-22 2017-05-31 安徽保腾网络科技有限公司 用于轻微交通事故的赔偿策略确定方法
CN106600510A (zh) * 2017-02-06 2017-04-26 江苏智通交通科技有限公司 城市道路交通事故快速处理系统及方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105303474A (zh) * 2015-10-10 2016-02-03 北京中软政通信息技术有限公司 一种交通事故现场快速处理方法及系统
CN106231551A (zh) * 2016-07-29 2016-12-14 深圳市永兴元科技有限公司 基于移动通信网络的车险理赔方法及装置
CN106228448A (zh) * 2016-07-29 2016-12-14 深圳市永兴元科技有限公司 基于移动通信网络的车险理赔方法及装置
CN106447501A (zh) * 2016-12-19 2017-02-22 东软集团股份有限公司 交通事故理赔方法及装置

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023277989A1 (en) * 2021-06-29 2023-01-05 Motorola Solutions, Inc. Device, system, and method for providing an indication that media has not yet been uploaded to a data store

Also Published As

Publication number Publication date
CN107369096A (zh) 2017-11-21

Similar Documents

Publication Publication Date Title
WO2018232931A1 (zh) 一种基于物联网的交通事故处理系统及方法
US20240095846A1 (en) Fault determination of blockchain subrogation claims
US11830079B2 (en) Evidence oracles
US10891694B1 (en) Using vehicle mode for subrogation on a distributed ledger
US11580606B2 (en) Using a distributed ledger to determine fault in subrogation
US20210342946A1 (en) Using a Distributed Ledger for Line Item Determination
US20220405857A1 (en) Using historical data for subrogation on a distributed ledger
US20080201262A1 (en) Traceability verification system, method and program for the same
CN106097103A (zh) 机动车辆车险赔偿策略确定方法和装置
US10628889B2 (en) Generating an investigative response to an incident
CN104092757A (zh) 一种基于二维码的运输工具实时监控方法及其系统
CN109508797A (zh) 基于区块链的车险理赔方法及相关设备
CN110084708A (zh) 一种基于物联网和区块链技术的保险管理平台和理赔方法
DE102021123067A1 (de) Sicherer Transportmittel-Datenaustausch
CN103810635A (zh) 贷款业务处理流程核查实现方法及装置
CN109035031A (zh) 车辆查勘信息处理方法及其系统
CN106919991A (zh) 一种事故维修系统
CN107945032A (zh) 一种保险出险查勘平台
CN107392828A (zh) 基于gis的道路事案自动化处置系统及流程
CN110472976A (zh) 一种二手车交易远程审核的方法
CN114693386A (zh) 一种二手车交易管理系统
CN116258445A (zh) 在线备案方法、终端、服务器、系统、设备及存储介质
CN108734533A (zh) 目的地充电桩不足的异常还车情况处理方法
CN112561716A (zh) 车辆事故处理方法、装置、电子设备和存储介质
CN201707721U (zh) 一种车辆出入单位自动管理系统

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 17914789

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 18.05.2020)

122 Ep: pct application non-entry in european phase

Ref document number: 17914789

Country of ref document: EP

Kind code of ref document: A1