WO2019080236A1 - 车险的应灾处理方法、装置、计算机设备和存储介质 - Google Patents

车险的应灾处理方法、装置、计算机设备和存储介质

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Publication number
WO2019080236A1
WO2019080236A1 PCT/CN2017/112699 CN2017112699W WO2019080236A1 WO 2019080236 A1 WO2019080236 A1 WO 2019080236A1 CN 2017112699 W CN2017112699 W CN 2017112699W WO 2019080236 A1 WO2019080236 A1 WO 2019080236A1
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WO
WIPO (PCT)
Prior art keywords
disaster
identifier
disaster response
information
vehicle insurance
Prior art date
Application number
PCT/CN2017/112699
Other languages
English (en)
French (fr)
Inventor
朱菊花
褚秋实
张发友
Original Assignee
平安科技（深圳）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 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2019080236A1 publication Critical patent/WO2019080236A1/zh

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    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • 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 application relates to the field of car insurance case processing, and in particular to a car insurance disaster response processing method, device, computer device and computer readable storage medium.
  • a disaster recovery processing method, apparatus, computer apparatus, and computer readable storage medium for a vehicle insurance are provided.
  • a method for dealing with the risk of a car insurance comprising:
  • the selected vehicle insurance report information and the corresponding receiving frequency are analyzed;
  • the vehicle insurance report information matching the disaster response acceptance configuration information is processed according to the simplified flow corresponding to the disaster response acceptance configuration information.
  • An automobile disaster response device comprising:
  • An information receiving module configured to receive disaster warning messages and vehicle insurance report information
  • An information screening module configured to filter out a city identifier from the vehicle insurance report information according to the disaster city identifier specified by the disaster alert message, where the city identifier matches the disaster city identifier;
  • An information analysis module configured to analyze the selected vehicle insurance report information and a corresponding receiving frequency
  • the information configuration module is configured to: when the receiving frequency of the vehicle insurance report information exceeds an alert threshold, configure the disaster response acceptance configuration information according to the disaster alert message;
  • the information processing module is configured to process the vehicle insurance report information that matches the disaster response acceptance configuration information according to the simplified flow corresponding to the disaster response acceptance configuration information.
  • One or more non-transitory readable storage mediums storing computer readable instructions, when executed by one or more processors, cause the one or more processors to perform the steps of: receiving The disaster warning message and the vehicle insurance report information; the city logo is filtered out from the vehicle risk report information according to the disaster city identifier specified by the disaster alert message, and the city identifier matches the disaster city logo; Describe the vehicle insurance report information and the corresponding receiving frequency; when the receiving frequency of the vehicle insurance report information exceeds the alert threshold, configure the disaster response acceptance configuration information according to the disaster alert message; and simplify the flow according to the disaster response acceptance configuration information And processing the vehicle insurance report information that matches the disaster response acceptance configuration information.
  • a computer device comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to execute The following steps: receiving a disaster warning message and a vehicle insurance report information; and selecting a city identifier from the vehicle risk report information according to the disaster city identifier specified by the disaster alert message, the city identifier matching the disaster city identifier; Selected car insurance report And the corresponding receiving frequency; when the receiving frequency of the vehicle insurance report information exceeds the warning threshold, configuring the disaster response acceptance configuration information according to the disaster warning message; and processing according to the simplified flow corresponding to the disaster response acceptance configuration information The vehicle insurance report information matching the disaster response acceptance configuration information.
  • FIG. 1 is an application environment diagram of a disaster recovery processing method for a vehicle insurance in an embodiment
  • FIG. 2 is a schematic flow chart of a disaster recovery processing method for a car insurance in an embodiment
  • FIG. 3 is a schematic flow chart of a disaster recovery processing method for a car insurance in another embodiment
  • FIG. 4 is a structural block diagram of a disaster response processing device for a car insurance in an embodiment
  • Figure 5 is a block diagram showing the structure of a disaster recovery processing device for a car insurance in an embodiment
  • FIG. 6 is a structural block diagram of a disaster recovery processing device for a car insurance in an embodiment
  • Figure 7 is a block diagram showing the structure of a disaster recovery processing device for a car insurance in an embodiment
  • Figure 8 is a block diagram showing the structure of a disaster recovery processing device for a car insurance in an embodiment
  • Figure 9 is a block diagram showing the structure of a computer device in an embodiment.
  • first, second and the like, as used herein, are used to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another.
  • the first quotient value can be referred to as a second quotient value without departing from the scope of the invention, and similarly, the second quotient value can be referred to as a first quotient value. Both the first quotient value and the second quotient value are quotient values, but they are not the same quotient value.
  • FIG. 1 is an application environment diagram of a disaster recovery processing method for a car insurance in an embodiment.
  • the vehicle disaster management method is applied to an automobile disaster response processing system.
  • the auto disaster response processing system includes a terminal 110 and a server 120.
  • the terminal 110 and the server 120 are connected through a network.
  • the server 120 receives the disaster warning message and the vehicle insurance report information sent by the terminal 110, and filters the vehicle insurance report information sent by the terminal 110 through the disaster city identification designated by the disaster alert message, so that the vehicle insurance is based on the selected vehicle insurance report information and the corresponding receiving frequency.
  • the disaster response receiving configuration information is configured according to the disaster alert message, and the car insurance report information matched by the terminal 110 and the disaster disaster acceptance configuration information may be processed according to the simplified flow corresponding to the disaster response receiving configuration information.
  • the terminal 110 may specifically be a desktop terminal or a mobile terminal, and the mobile terminal may specifically be at least one of a mobile phone, a tablet computer, a notebook computer, and the like.
  • the server 120 can be implemented by a stand-alone server or a server cluster composed of a plurality of servers.
  • a disaster recovery processing method for a car insurance is provided. This embodiment is mainly illustrated by the method being applied to the server 120 in FIG. 1 described above.
  • the vehicle disaster management method includes the following steps:
  • the disaster warning message includes an early warning message when the disaster has not occurred and an alert message when the disaster has occurred.
  • the method for receiving the disaster alert message may specifically be by monitoring a disaster alert message issued by a weather platform such as a weather station or a weather website, or by retrieving news from the Internet to obtain a disaster alert message.
  • the car insurance report information is the report information of the car insurance.
  • Car insurance may specifically include vehicle loss insurance, commercial third party liability insurance, water risk insurance, spontaneous combustion loss insurance and glass individual breakage insurance.
  • the server continuously receives the vehicle insurance report information, puts the obtained vehicle insurance report information into a corresponding database, and monitors the weather platform to obtain a disaster alert message. Therefore, the server can filter the vehicle insurance report information stored in the database according to the acquired disaster warning message.
  • the server continuously receives the vehicle insurance report information, puts the obtained vehicle insurance report information into a corresponding database, and receives the disaster alert message input through the input device, so that the server can filter the database according to the acquired disaster alert message.
  • Car insurance report information stored in the store are stored in the store.
  • S204 Filter the city identification from the vehicle insurance report information according to the disaster city identifier specified by the disaster warning message, and match the city identification with the disaster city identification.
  • the disaster city logo is the identifier of the city where the disaster or disaster has occurred.
  • the city logo is the identity of the city based on the administrative area.
  • the server identifies the disaster city identifier in the disaster warning message, and identifies the city identifier in the vehicle insurance report information, and selects the vehicle insurance report information that matches the city identifier and the disaster city identifier from the vehicle insurance report information.
  • the server identifies the disaster city identifier in the disaster alert message, and identifies the city identifier in the vehicle insurance report information, and the vehicle insurance report information that matches the city identifier and the disaster city identifier selected from the vehicle insurance report information.
  • the vehicle is placed in the disaster response buffer, and the vehicle insurance report information that does not match the city logo and the disaster city logo is returned to the database, so that the server can analyze the vehicle insurance report information in the disaster response buffer.
  • the receiving frequency is the quantity received by the vehicle insurance report information in a unit time period.
  • the unit time period can be specifically one hour.
  • the server analyzes the corresponding report time point of the selected vehicle insurance report information, and analyzes the earliest one of the report time points as the start segment of the unit time period, and the statistics are received within the unit time period.
  • the number of car insurance report information obtained to obtain the receiving frequency of the car insurance report information, and then analyze the receiving frequency.
  • the alert threshold is a threshold that is preset to monitor the receive frequency. Alert threshold specific number The value can be configured according to the number of online staff identifications. The alert threshold indicates the maximum number of car insurance report information that can be processed by the staff corresponding to the current online staff identification within the unit time period. The alert threshold can also be a value entered through the input device.
  • the disaster response acceptance configuration information is configuration information for processing the vehicle insurance report information.
  • the server detects the number of staff identifications currently online, and generates an alert threshold according to the number of staff identifications, so that when the frequency of receiving the vehicle insurance report information exceeds the generated alert threshold, the disaster alert message should be configured according to the disaster alert message.
  • Disaster acceptance configuration information is provided.
  • S210 processing the vehicle insurance report information that matches the disaster response acceptance configuration information according to the simplified flow corresponding to the disaster response acceptance configuration information.
  • the simplified process is a streamlined process for processing the auto insurance report information.
  • the streamlining process specifically simplifies the steps of verifying some of the information in the vehicle insurance report information, such as verifying the steps of off-site reporting, the steps of confirming the location of the damage, verifying the steps of abnormal driving, the steps of binding the policy, and the steps of asking the customer for behavior. Wait.
  • the server analyzes the received vehicle insurance report information, selects the vehicle insurance report information that matches the disaster response acceptance configuration information, and processes the selected vehicle insurance report information according to the simplified process corresponding to the disaster response acceptance configuration information.
  • the above-mentioned auto insurance disaster response processing method can screen the auto insurance report information according to the disaster warning message, and can filter the auto insurance report information according to the disaster city logo, so that the filtered auto insurance report information needs to be responded to, so that the auto insurance report message
  • the corresponding receiving frequency can reflect the current disaster level of the corresponding area of the city identification included in the auto insurance report message. When the receiving frequency exceeds the warning threshold, it can be determined that the current disaster level in the area will result in redundancy of the received vehicle insurance case information.
  • the disaster avoidance acceptance configuration information is configured according to the disaster alert message, and the vehicle insurance report information is processed according to the disaster response acceptance configuration information, so that when the auto insurance case is rapidly increased, the disaster response acceptance configuration can be performed.
  • the information quickly processes the information of the auto insurance report, so that the auto insurance report information can be processed in time, thereby improving the efficiency of information processing of the auto insurance case in the event of a disaster.
  • the warning message configures the disaster response acceptance configuration information, including: obtaining the disaster city identification and the disaster time period specified by the disaster warning message; configuring the disaster city identification according to the disaster city identifier; and configuring the disaster response time period according to the disaster time period; Obtain the specified disaster response organization ID in the disaster organization identification list; generate disaster response acceptance configuration information according to the configured disaster response city ID, the disaster response time period, and the disaster response organization identifier.
  • the disaster period is the period of time during which the disaster continues.
  • the city mark for disaster relief is the sign of the city that needs to respond to the disaster.
  • the time period for disaster response is the period of time during which disasters need to be dealt with.
  • the ID of the disaster response agency is the identifier for handling the structure of the auto insurance.
  • the identification of the disaster response agency may specifically be the identity of the insurance company.
  • the server compares the receiving frequency with the alert threshold after analyzing the frequency of reception of the car insurance report information. If the receiving frequency is less than the warning threshold, the received vehicle insurance report information is processed according to the normal process; if the receiving frequency is greater than the alert threshold, the disaster city identification and the disaster response time are configured according to the disaster city identification and the disaster time period specified by the disaster alert message. The segment and the designated disaster response organization identifier are obtained from the disaster response organization identification list, and the disaster response acceptance configuration information is generated according to the configured disaster response city identification and the disaster response time period, and the disaster response organization identifier, and the server can follow the generated disaster response. The simplified process corresponding to the configuration information is accepted, and the vehicle insurance report information matching the generated disaster response acceptance configuration information is processed.
  • the disaster-carrying city identification and the disaster response time period can be accurately configured, thereby making the response
  • the disaster city identification and disaster response time period, and the disaster response acceptance information generated by the disaster response agency identification can accurately handle the vehicle insurance report information matching the disaster city identification and the disaster time period, thereby causing the automobile insurance to be caused due to the disaster.
  • the report information is increased, the vehicle insurance report information can be processed efficiently according to the disaster response acceptance configuration information, and the efficiency of processing the vehicle insurance report information is improved.
  • the vehicle insurance report information matching the disaster response acceptance configuration information is processed, including: analyzing the vehicle insurance report information, and obtaining the report time point and the report call included in the vehicle insurance report information. The number and the designation of the designated institution; the attribution of the attribution point corresponding to the response period and the telephone number of the report, the identification of the attribution city and the organization of the disaster-stricken city Whether the identification matches the city ID of the disaster-stricken city; if so, the vehicle insurance report information is marked with the disaster response identification; if not, the vehicle insurance report information is marked with the general processing identifier.
  • the time point of the report is the time point at which the car insurance report information is sent.
  • the report telephone number is the telephone number recorded in the auto insurance report information.
  • the attribution of the telephone number can be specifically configured according to standards provided by the communication carrier.
  • the designated institution logo is the identifier of the organization that specifies the car insurance in the car insurance report information.
  • the designated institution identification may specifically be the identity of the insurance company.
  • the disaster response identification flag is an identifier indicating that the vehicle insurance report information is processed in accordance with a simplified process corresponding to the disaster response acceptance configuration information.
  • the regular process identification is an indication that the car insurance report information is processed in accordance with the normal process.
  • the terminal changes the rules for transmitting the vehicle insurance report information according to the disaster response acceptance configuration information, and receives the vehicle insurance report information sent by the terminal according to the changed rule, according to the disaster acceptance.
  • the disaster response city ID, the disaster response time period, and the disaster response organization identifier in the configuration information determine the time difference between the report time point and the disaster response time period, match the corresponding attribution number of the report telephone number with the disaster response city ID, and match the organization identifier with The vehicle identification of the disaster-stricken city is matched, and the vehicle insurance report information of all three of the judgment results is marked with the disaster response identification mark, and the vehicle insurance report information marked with the disaster response mark is processed according to the simplified process, and the judgment result is the same. At least one of the unidentified marks is conventionally processed to mark the car insurance report information on the mark on the normal processing mark.
  • At least one of the three judgments is not established, specifically determining that the time point of the report matches the time period of the disaster response, the attribution of the attribution of the report telephone number and the identification of the disaster-stricken city, and the identification of the organization identifier and the disaster-stricken city In the matching judgment result, the judgment result is not simultaneously matched.
  • the vehicle insurance report information conforming to the simplified process is quickly screened out, thereby simplifying the screening of the vehicle insurance report. The steps of the information.
  • the auto disaster response processing method further includes: analyzing the auto insurance report information, obtaining the fire hazard location, the risk cause identifier, and the accident included in the auto insurance report information. Identification; determine the corresponding city logo of the place of the accident At least one of the identification of the disaster-stricken city logo, the risk cause identifier and the preset cause identifier, and the accident identifier and the preset accident identifier is not established; if yes, the vehicle insurance report information marked with the disaster response identifier is re-marked to the conventional processing identifier. .
  • the place of danger is the place where the car insurance is guaranteed to be in danger.
  • the location of the accident can be specific to the street name.
  • the risk cause identification and the preset cause identification are indicators of the cause of the risk.
  • the risk cause identification and the preset cause identification may specifically identify major natural disasters.
  • Major natural disaster indicators may include seismic identification, flood marking, tsunami marking, typhoon marking, tornado marking, hail marking, debris flow marking, and landslide marking.
  • the accident identification and the preset accident identification are the corresponding indications of the loss of the insurance insurance claim.
  • the accident identification and the preset accident identification may specifically be vehicle losses.
  • the accident identification may also include the subject cargo damage, three damages and casualties.
  • the server determines the location of the accident. If the corresponding city identifier matches the disaster response city ID, the risk cause identifier matches the preset cause identifier, and at least one of the accident identifier matches the preset accident identifier, the disaster recovery processing identifier of the vehicle insurance report information is corrected. For routine processing of the identification, in accordance with the normal process, the vehicle insurance report information of the conventional processing identification is re-marked.
  • the corresponding city identification at the location of the accident matches the identification of the disaster-stricken city, and the risk cause identifier matches the preset cause identifier. If at least one of the accident identification and the preset accident identification is matched, the vehicle insurance report information is re-marked with the conventional processing identifier, and the vehicle insurance report information that does not comply with the simplified process can be filtered out, so that the vehicle needs to be processed according to the simplified process.
  • the auto insurance report information can be processed in time to improve the efficiency of information processing in auto insurance cases when disasters occur.
  • the disaster response acceptance configuration information further includes an identifier of the disaster response commissioner; the method for processing the disaster insurance of the automobile insurance further includes: determining whether the vehicle insurance report information marked with the disaster response identifier can trigger the preset direct compensation condition; if yes, Sending the call loss information; if not, selecting the disaster response officer ID included in the disaster response acceptance configuration information, and sending the disaster response dispatch information generated according to the disaster response officer logo.
  • the Commissioner Identification is the corresponding identifier of the staff used to process the vehicle insurance report information processed in accordance with the simplified process.
  • the straight-for-compensation condition is in compliance with the condition that no vehicle damage is required.
  • the server determines, according to the received vehicle insurance report information, that the vehicle insurance report information can trigger the direct compensation condition, and sends the telephone loss information to the terminal.
  • the server determines, according to the received vehicle insurance report information, that the auto insurance report information can trigger the direct compensation condition, and when receiving the instruction to cancel the transmission of the fixed loss information, select the response included in the disaster response acceptance configuration information.
  • the Disaster Commissioner identifies and sends information on the disaster response dispatch generated according to the ID of the Disaster Victims.
  • the server determines, according to the received vehicle insurance report information, that the vehicle insurance report information cannot trigger the direct compensation condition, and selects the disaster response commissioner identifier included in the disaster response acceptance configuration information, and sends the identifier according to the disaster response commissioner identifier. Information on disaster response workers.
  • the vehicle insurance report information by determining whether the vehicle insurance report information can trigger the direct compensation condition, when the trigger can be triggered, the telephone fixed loss information is directly sent, and the vehicle insurance report information is quickly processed. If it cannot be triggered, the disaster response dispatcher will be sent to dispatch the disaster response commissioner to handle it. Therefore, the efficiency of processing the auto insurance report information can be improved, and the claim for the auto insurance case can be secured.
  • the disaster response dispatching information includes a repair shop identification link; the above-mentioned auto insurance disaster response processing method further includes: receiving a repair shop identification acquisition instruction fed back by the trigger repair shop identification link; and sending the repair according to the repair shop identification acquisition instruction.
  • the repair shop identifier is selected, and the disaster response dispatch information is corrected and sent, so that the disaster response specialist can know the accurate repair shop identifier, thereby reducing The time when the disaster response officer arrived at the repair shop increased the efficiency of handling the information on the auto insurance report.
  • FIG. 3 is a schematic flow chart of a disaster recovery processing method for a car insurance in an embodiment.
  • the disaster recovery processing method of the automobile insurance specifically includes the following steps:
  • step S312 is performed. If yes, step S314 is performed.
  • S320 Generate disaster response acceptance configuration information according to the configured disaster response city ID, the disaster response time period, and the disaster response organization identifier.
  • step S322 the execution order of steps S324, S326, and S328 is not limited, and when the result of any of steps S324, S326, and S328 is YES, one of the other three unexecuted steps may be executed. Steps, and when the determination results of steps S324, S326, and S328 are all YES, step S330 is performed. If the result of any of steps S324, S326, and S328 is NO, step S332 is immediately executed.
  • step S332 After step S332 is performed, the process returns to step S312. After step S330 is performed, step S334 is performed.
  • step S336 is performed. If no, step S338 is performed.
  • the disaster relief commissioner identifier included in the disaster response acceptance configuration information selecting the disaster relief commissioner identifier included in the disaster response acceptance configuration information, and sending the disaster response dispatching information generated according to the disaster response commissioner identifier; the disaster response dispatching information includes a repair shop identification link.
  • the above-mentioned auto insurance disaster response processing method can screen the auto insurance report information according to the disaster warning message, and can filter the auto insurance report information according to the disaster city logo, so that the filtered auto insurance report information needs to be responded to, so that the auto insurance report message
  • the corresponding receiving frequency can reflect the current disaster level of the corresponding area of the city identification included in the auto insurance report message. When the receiving frequency exceeds the warning threshold, it can be determined that the current disaster level in the area will result in redundancy of the received vehicle insurance case information.
  • the disaster avoidance acceptance configuration information is configured according to the disaster alert message, and the vehicle insurance report information is processed according to the disaster response acceptance configuration information, so that when the auto insurance case is rapidly increased, the disaster response acceptance configuration can be performed.
  • the information quickly processes the information of the auto insurance report, so that the auto insurance report information can be processed in time, thereby improving the efficiency of information processing of the auto insurance case in the event of a disaster.
  • steps in the flowchart of FIG. 3 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and the steps may be performed in other orders. Moreover, at least some of the steps in FIG. 3 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution of these sub-steps or stages The order is not necessarily in turn, but It may be performed alternately or alternately with at least a portion of other steps or sub-steps or stages of other steps.
  • an auto disaster response processing apparatus 400 is further provided.
  • the auto disaster response processing apparatus 400 includes: an information receiving module 402, an information screening module 404, and an information analyzing module 406.
  • Information configuration module 408 and information processing module 410 are further provided.
  • the information receiving module 402 is configured to receive the disaster alert message and the car insurance report information.
  • the information screening module 404 is configured to filter out the city identifier from the vehicle insurance report information according to the disaster city identifier specified by the disaster alert message, and the city identifier matches the disaster city identifier.
  • the information analysis module 406 is configured to analyze the filtered vehicle insurance report information and the corresponding receiving frequency.
  • the information configuration module 408 is configured to configure the disaster response acceptance configuration information according to the disaster alert message when the frequency of receiving the vehicle insurance report information exceeds the alert threshold.
  • the information processing module 410 is configured to process the vehicle insurance report information that matches the disaster response acceptance configuration information according to the simplified flow corresponding to the disaster response acceptance configuration information.
  • the above-mentioned auto insurance disaster response processing device 400 can screen the auto insurance report information according to the disaster warning message, and can filter the auto insurance report information according to the disaster city logo, so that the selected auto insurance report information needs to be responded to, so that the auto insurance report is made.
  • the corresponding receiving frequency of the message can reflect the current disaster level of the area corresponding to the city identification included in the auto insurance report message. When the receiving frequency exceeds the warning threshold, it can be determined that the current disaster level in the area will result in redundancy of the received vehicle insurance case information.
  • the disaster avoidance acceptance configuration information is configured according to the disaster alert message, and the vehicle insurance report information is processed according to the disaster response acceptance configuration information, so that when the auto insurance case is rapidly increased, the disaster response acceptance configuration can be performed.
  • the information quickly processes the information of the auto insurance report, so that the auto insurance report information can be processed in time, thereby improving the efficiency of information processing of the auto insurance case in the event of a disaster.
  • the information configuration module 408 includes: a city identity acquisition module 408a, configured to acquire a disaster city identifier and a disaster time period specified by the disaster alert message;
  • the information configuration module 408b is configured to configure the disaster response city identifier according to the disaster city identifier, and configure the disaster response time period according to the disaster time period;
  • the organization identifier acquisition module 408c is configured to obtain the designated disaster response institution from the disaster response organization identifier list.
  • the configuration information generating module 408d is configured to generate disaster disaster acceptance configuration information according to the configured disaster-to-peer city identifier, the disaster response time period, and the disaster response organization identifier.
  • the information processing module 410 includes: a report information analysis module 410a, configured to analyze the auto insurance report information, obtain a report time point, a report telephone number, and a designated institution identifier included in the auto insurance report information;
  • the module 410b is configured to determine whether the attribution point corresponding to the disaster response time period, the report telephone number, the attribution of the disaster response city identifier, and the matching between the organization identifier and the disaster response city identifier are simultaneously established;
  • the identifier marking module 410c is used for judging If yes, the vehicle insurance report information is marked with the disaster response identification; and when the judgment is negative, the vehicle insurance report information is marked with the conventional processing identifier.
  • the information processing module 410 further includes: a report information analysis module 410a, which is further configured to analyze the vehicle insurance report information, obtain a fire danger location, a risk cause identifier, and an accident identifier included in the vehicle insurance report information; the judgment module 410b is further used to Determining at least one of the corresponding city identification and the disaster city identification, the risk reason identification and the preset reason identification, and the accident identification and the preset accident identification is not established; the identification marking module 410c is further used to determine the existence When at least one of the types is not established, the vehicle insurance report information marked with the disaster recovery identifier is re-marked with the conventional processing identifier.
  • a report information analysis module 410a which is further configured to analyze the vehicle insurance report information, obtain a fire danger location, a risk cause identifier, and an accident identifier included in the vehicle insurance report information
  • the judgment module 410b is further used to Determining at least one of the corresponding city identification and the disaster city identification, the risk reason identification and the preset reason
  • the disaster response receiving configuration information further includes an identifier of the disaster response commissioner; the determining module 410b is further configured to determine whether the vehicle insurance report information marked by the disaster response processing flag can trigger the preset direct compensation condition;
  • the auto insurance disaster response processing device 400 further includes: a short message sending module 412, configured to send the telephone fixed loss information when determining that the auto insurance report information marking the disaster response processing identifier can trigger the preset direct compensation condition; and determining that the marking disaster response
  • the disaster victim commissioner identifier included in the disaster response acceptance configuration information is selected, and the disaster response dispatch information generated according to the disaster victim commissioner identifier is sent.
  • the disaster relief dispatcher information includes a repair shop identification link; the information receiving module 402 is further configured to receive the repair shop identifier obtained by triggering the repair shop identification link feedback.
  • the vehicle risk management device 400 further includes: a webpage file sending module 414, configured to send a repairing factory identification webpage file according to the repairing factory identification obtaining instruction; the repairing factory identification webpage file corresponding to opening the repairing factory identification webpage; the information receiving module 402, The method is further configured to receive the determination information of the repair shop identifier displayed on the repair shop identification webpage; the short message sending module 412 is further configured to modify and send the disaster response dispatch information according to the determined information.
  • a computer device which may be a server or a mobile terminal.
  • the computer device includes a processor, memory, and network interface coupled by a system bus.
  • the processor of the computer device is used to provide computing and control capabilities.
  • the memory of the computer device includes a non-volatile storage medium, an internal memory.
  • the non-volatile storage medium stores operating systems and computer readable instructions.
  • the internal memory provides an environment for operation of an operating system and computer readable instructions in a non-volatile storage medium.
  • the network interface of the computer device is used to communicate with an external terminal via a network connection.
  • the computer readable instructions are executed by the processor to implement a car insurance disaster response processing method.
  • the input device of the computer device may be a touch layer covered on the display screen, or may be a button, a trackball or a touchpad disposed on the computer device casing, or may be an external keyboard, a touchpad or a mouse, etc., the input The device can be configured to input at least one of a disaster alert message and an alert threshold.
  • the transceiver device of the computer device may be an external communication device, such as a fixed telephone connected by a wire and a computer device, or a built-in communication device, such as a PCB (Printed Circuit Board) embedded in a communication chip.
  • the transceiver of the computer device can be used to receive disaster warning messages and vehicle insurance report information.
  • FIG. 9 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the computer device to which the solution of the present application is applied.
  • the specific computer device may It includes more or fewer components than those shown in the figures, or some components are combined, or have different component arrangements.
  • the vehicle risk management device provided by the present application can be implemented in the form of a computer readable instruction that can be run on a computer device as shown in FIG.
  • Each program module of the disaster recovery processing device constituting the vehicle insurance may be stored in a memory of the computer device, for example, the information receiving module 402, the information screening module 404, the information analysis module 406, the information configuration module 408, and the information processing module shown in FIG. 410.
  • the computer readable instructions formed by the respective program modules cause the processor to perform the steps in the disaster risk management method of the automobile insurance of the various embodiments of the present application described in the present specification.
  • the computer device shown in FIG. 9 can execute step S202 through the information receiving module 402 in the disaster recovery processing device of the car insurance shown in FIG.
  • the computer device can perform step S204 through the information screening module 404.
  • the computer device can perform step S206 through the information analysis module 406.
  • the computer device can perform step S208 through the information configuration module 408.
  • the computer device can perform step S210 through the information processing module 410.
  • a computer apparatus comprising a memory and a processor, the memory storing computer readable instructions that, when executed by the processor, cause the processor to perform the steps of: receiving a disaster alert News and auto insurance report information; according to the disaster city logo designated by the disaster alert message, the city logo is selected from the vehicle insurance report information, and the city logo matches the disaster city logo; the selected vehicle insurance report information and the corresponding receiving frequency are analyzed; When the frequency of receiving the report information exceeds the warning threshold, the disaster response acceptance configuration information is configured according to the disaster alert message; and the vehicle insurance report information matching the disaster response acceptance configuration information is processed according to the simplified flow corresponding to the disaster response acceptance configuration information.
  • the above computer equipment can screen the vehicle insurance report information according to the disaster warning message, and can filter the vehicle insurance report information according to the disaster city logo, so that the selected vehicle insurance report information needs to be responded to, so that the vehicle risk report message corresponding receiving frequency It can reflect the current disaster level of the corresponding area of the city logo included in the auto insurance report message.
  • the receiving frequency exceeds the warning threshold, it can be determined that the current disaster level in the area will result in redundancy of the received vehicle insurance case information. Therefore, after judging that the auto insurance case information is redundant, the disaster avoidance acceptance configuration information is configured according to the disaster alert message, and the vehicle insurance report information is processed according to the disaster response acceptance configuration information, so that when the auto insurance case is rapidly increased, the disaster response acceptance configuration can be performed.
  • Information quickly handles auto insurance report information, so that auto insurance report information can be processed in a timely manner, thereby improving the auto insurance case letter in the event of a disaster The efficiency of interest processing.
  • the processor when the computer readable instructions are executed by the processor, the processor is configured to perform the step of configuring the disaster response receiving configuration information according to the disaster alert message when the receiving frequency of the vehicle insurance report information exceeds the alert threshold, including: acquiring the disaster alert The disaster city identification and disaster time period specified by the message; the disaster city ID is configured according to the disaster city identifier, and the disaster response time period is configured according to the disaster time period; the designated disaster response organization identifier is obtained from the disaster response organization identifier list; The disaster response city identification and disaster response time period, and the disaster response agency identification generate disaster response acceptance configuration information.
  • the processor when the computer readable instructions are executed by the processor, the processor is configured to perform the step of processing the vehicle risk report information matching the disaster response acceptance configuration information according to a simplified flow corresponding to the disaster response configuration information, including: analyzing The information on the report of the car insurance report, the time point of the report including the report of the car insurance report, the telephone number of the report and the identification of the designated institution; the identification of the attribution point corresponding to the disaster response time period and the report telephone number, the identification of the disaster-affected city and the organization identification and Whether the matching of the disaster city identification is established at the same time; if yes, the vehicle insurance report information is marked with the disaster response identification; if not, the vehicle insurance report information is marked with the conventional processing identification.
  • the processor when the computer readable instructions are executed by the processor, causing the processor to perform the step of marking the received vehicle risk report information with the disaster response identification, the processor further causes the processor to perform the following steps: analyzing the vehicle insurance report information, The vehicle insurance report information includes the location of the accident, the cause of the accident, and the accident identification; at least one of the city identification and the disaster city identification, the risk reason identification and the preset reason identification, and the accident identification and the preset accident identification. The item matching is not established; if yes, the vehicle insurance report information marked with the disaster response flag is re-marked to the regular processing identifier.
  • the disaster response receiving configuration information further includes an identifier of the disaster victim; when the computer readable instructions are executed by the processor, the processor further performs the following steps: determining whether the vehicle insurance report information marking the disaster response identifier can trigger the pre- Set the direct compensation condition; if yes, send the call loss information; if not, select the disaster response officer ID included in the disaster response acceptance configuration information, and send the disaster response dispatch information generated according to the disaster response officer logo.
  • the disaster response information includes a repair shop identification link; computer readable instructions When executed by the processor, the processor further performs the following steps: receiving a repair shop identification acquisition instruction fed back by the trigger repair shop identification link; sending the repair shop identification webpage file according to the repair shop identification acquisition instruction; the maintenance factory identification webpage file corresponding to opening the maintenance The factory identification webpage; receiving the confirmation information of the repair shop identifier displayed on the repair shop identification webpage; correcting and transmitting the disaster response dispatching information according to the determined information.
  • a computer readable storage medium storing computer readable instructions that, when executed by a processor, cause the processor to perform the steps of: receiving a disaster alert message and a car insurance report Information; according to the disaster city logo designated by the disaster warning message, the city logo is selected from the vehicle insurance report information, and the city logo matches the disaster city logo; the selected vehicle insurance report information and the corresponding receiving frequency are analyzed; when the vehicle insurance report information is received When the frequency exceeds the warning threshold, the disaster response acceptance configuration information is configured according to the disaster alert message; and the vehicle insurance report information matching the disaster response acceptance configuration information is processed according to the simplified flow corresponding to the disaster response acceptance configuration information.
  • the computer readable storage medium can screen the vehicle insurance report information according to the disaster warning message, and can filter the vehicle insurance report information according to the disaster city logo, so that the selected vehicle insurance report information needs to be responded to, so that the vehicle insurance report message corresponds accordingly.
  • the receiving frequency can reflect the current disaster level of the corresponding area of the city logo included in the auto insurance report message. When the receiving frequency exceeds the warning threshold, it can be determined that the current disaster level in the area will result in redundancy of the received vehicle insurance case information. Therefore, after judging that the auto insurance case information is redundant, the disaster avoidance acceptance configuration information is configured according to the disaster alert message, and the vehicle insurance report information is processed according to the disaster response acceptance configuration information, so that when the auto insurance case is rapidly increased, the disaster response acceptance configuration can be performed.
  • the information quickly processes the information of the auto insurance report, so that the auto insurance report information can be processed in time, thereby improving the efficiency of information processing of the auto insurance case in the event of a disaster.
  • the processor when the computer readable instructions are executed by the processor, the processor is configured to perform the step of configuring the disaster response receiving configuration information according to the disaster alert message when the receiving frequency of the vehicle insurance report information exceeds the alert threshold, including: acquiring the disaster alert The disaster city identification and disaster time period specified by the message; the disaster city ID is configured according to the disaster city identifier, and the disaster response time period is configured according to the disaster time period; the designated disaster response organization identifier is obtained from the disaster response organization identifier list; Disaster response The city identification and disaster response time period, and the disaster response agency identification generate disaster response acceptance configuration information.
  • the processor when the computer readable instructions are executed by the processor, the processor is configured to perform the step of processing the vehicle risk report information matching the disaster response acceptance configuration information according to a simplified flow corresponding to the disaster response configuration information, including: analyzing The information on the report of the car insurance report, the time point of the report including the report of the car insurance report, the telephone number of the report and the identification of the designated institution; the identification of the attribution point corresponding to the disaster response time period and the report telephone number, the identification of the disaster-affected city and the organization identification and Whether the matching of the disaster city identification is established at the same time; if yes, the vehicle insurance report information is marked with the disaster response identification; if not, the vehicle insurance report information is marked with the conventional processing identification.
  • the processor when the computer readable instructions are executed by the processor, causing the processor to perform the step of marking the received vehicle risk report information with the disaster response identification, the processor further causes the processor to perform the following steps: analyzing the vehicle insurance report information, The vehicle insurance report information includes the location of the accident, the cause of the accident, and the accident identification; at least one of the city identification and the disaster city identification, the risk reason identification and the preset reason identification, and the accident identification and the preset accident identification. The item matching is not established; if yes, the vehicle insurance report information marked with the disaster response flag is re-marked to the regular processing identifier.
  • the disaster response receiving configuration information further includes an identifier of the disaster victim; when the computer readable instructions are executed by the processor, the processor further performs the following steps: determining whether the vehicle insurance report information marking the disaster response identifier can trigger the pre- Set the direct compensation condition; if yes, send the call loss information; if not, select the disaster response officer ID included in the disaster response acceptance configuration information, and send the disaster response dispatch information generated according to the disaster response officer logo.
  • the disaster dispatcher information includes a repair shop identification link; when the computer readable instructions are executed by the processor, the processor further causes the processor to: receive a repair shop identification acquisition instruction that is triggered by a link to trigger the repair shop identification; Sending the repair shop identification webpage file according to the repair shop identification acquisition instruction; the repair factory identification webpage file corresponding to opening the repair shop identification webpage; receiving the determination information of the repair shop logo displayed on the repair shop identification webpage; correcting and transmitting the disaster response faction according to the determined information Information.
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • ROM read only memory
  • PROM programmable ROM
  • EPROM electrically programmable ROM
  • EEPROM electrically erasable programmable ROM

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Abstract

本申请涉及一种车险的应灾处理方法、装置、计算机设备和计算机可读存储介质。该车险的应灾处理方法包括：接收灾害警戒消息和车险报案信息；根据灾害警戒消息所指定的灾害城市标识从车险报案信息筛选出城市标识，城市标识与灾害城市标识相匹配；分析所筛选出的车险报案信息和相应的接收频率；当车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息；按照应灾受理配置信息相应的简化流程，处理与应灾受理配置信息相匹配的车险报案信息。

Description

车险的应灾处理方法、装置、计算机设备和存储介质
本申请要求于2017年10月27日提交中国专利局、申请号为2017110261961、发明名称为“车险的应灾处理方法、装置、计算机设备和存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及车险案件处理领域，特别是涉及一种车险的应灾处理方法、装置、计算机设备和计算机可读存储介质。
背景技术
随着经济的发展，保险业务也得到了长足的发展，而车险是保险业务中较为重要的业务。一般情况下，车险案件由于涉及的金额较大，在基于安全性的考虑下，通常会安排线上的工作人员和线下的工作人员协同处理车险案件，以使得车险案件的理赔金得到安全保障的同时，提高处理车险案件的效率。
但是在突发的灾害过后，车险案件的数量会急剧增加，而为了保证车险案件的理赔金的安全性，按照传统方案的处理方法来处理车险案件，会导致工作人员无法及时处理，使得车险案件冗余，处理车险案件的效率很低。
发明内容
根据本申请的各种实施例，提供一种车险的应灾处理方法、装置、计算机设备和计算机可读存储介质。
一种车险的应灾处理方法，包括：
接收灾害警戒消息和车险报案信息；
根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；
分析所筛选出的所述车险报案信息和相应的接收频率；
当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及
按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息。
一种车险的应灾装置，所述装置包括：
信息接收模块，用于接收灾害警戒消息和车险报案信息；
信息筛选模块，用于根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；
信息分析模块，用于分析所筛选出的所述车险报案信息和相应的接收频率；
信息配置模块，用于当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及
信息处理模块，用于按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息。
一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：接收灾害警戒消息和车险报案信息；根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；分析所筛选出的所述车险报案信息和相应的接收频率；当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息。
一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：接收灾害警戒消息和车险报案信息；根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；分析所筛选出的所述车险报 案信息和相应的接收频率；当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1为一个实施例中车险的应灾处理方法的应用环境图；
图2为一个实施例中车险的应灾处理方法的流程示意图；
图3为另一个实施例中车险的应灾处理方法的流程示意图；
图4为一个实施例中车险的应灾处理装置的结构框图；
图5为一个实施例中车险的应灾处理装置的结构框图；
图6为一个实施例中车险的应灾处理装置的结构框图；
图7为一个实施例中车险的应灾处理装置的结构框图；
图8为一个实施例中车险的应灾处理装置的结构框图；
图9为一个实施例中计算机设备的结构框图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
可以理解，本发明所使用的术语“第一”、“第二”等可在本文中用于描述各种元件，但这些元件不受这些术语的限制。这些术语仅用于将第一个元件与另一个元件区分。举例来说，在不脱离本发明的范围的情况下，可以将第一商值称为第二商值，且类似地，可将第二商值称为第一商值。第一商值和第二商值两者都是商值，但其不是同一商值。
图1为一个实施例中车险的应灾处理方法的应用环境图。参照图1，该车险的应灾处理方法应用于车险的应灾处理系统。该车险的应灾处理系统包括终端110和服务器120。终端110和服务器120通过网络连接。服务器120接收灾害警戒消息和终端110发送的车险报案信息，通过灾害警戒消息所指定的灾害城市标识筛选终端110发送的车险报案信息，从而根据筛选出的车险报案信息和相应的接收频率，在车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息，可以按照应灾受理配置信息相应的简化流程，处理终端110发送的与应灾受理配置信息相匹配的车险报案信息。终端110具体可以是台式终端或移动终端，移动终端具体可以手机、平板电脑、笔记本电脑等中的至少一种。服务器120可以用独立的服务器或者是多个服务器组成的服务器集群来实现。
如图2所示，在一个实施例中，提供了一种车险的应灾处理方法。本实施例主要以该方法应用于上述图1中的服务器120来举例说明。参照图2，该车险的应灾处理方法具体包括如下步骤：
S202，接收灾害警戒消息和车险报案信息。
其中，灾害警戒消息包括灾害还未发生时的预警消息和灾害已经发生时的戒备消息。接收灾害警戒消息的方法具体可以是通过监测气象台或天气网站等气象平台发布的灾害警戒消息，也可以是从互联网上检索新闻以获取灾害警戒消息。车险报案信息是车险的报案信息。车险具体可以包括车辆损失险、商业第三者责任险、涉水险、自燃损失险和玻璃单独破碎险等。
在一个实施例中，服务器持续接收车险报案信息，将获取的车险报案信息放入相应的数据库中，并通过对气象平台的监测，以获取灾害警戒消息， 从而服务器可以根据获取的灾害警戒消息来筛选数据库中存储的车险报案信息。
在一个实施例中，服务器持续接收车险报案信息，将获取的车险报案信息放入相应的数据库中，并接收到通过输入装置输入的灾害警戒消息，从而服务器可以根据获取的灾害警戒消息来筛选数据库中存储的车险报案信息。
S204，根据灾害警戒消息所指定的灾害城市标识从车险报案信息筛选出城市标识，城市标识与灾害城市标识相匹配。
其中，灾害城市标识是即将发生灾害或已经发生灾害的城市的标识。城市标识是基于行政区域划分的城市的标识。
具体地，服务器识别出灾害警戒消息中的灾害城市标识，以及识别出车险报案信息中的城市标识，从车险报案信息中筛选出城市标识与灾害城市标识相匹配的车险报案信息。
在一个实施例中，服务器识别出灾害警戒消息中的灾害城市标识，以及识别出车险报案信息中的城市标识，将从车险报案信息中筛选出的城市标识与灾害城市标识相匹配的车险报案信息放入应灾处理缓冲区，以及将城市标识与灾害城市标识不匹配的车险报案信息返回数据库中，从而服务器可以分析应灾处理缓冲区中的车险报案信息。
S206，分析所筛选出的车险报案信息和相应的接收频率。
其中，接收频率是车险报案信息在单位时间段内接收的数量。单位时间段具体可以是一小时。
在一个实施例中，服务器分析筛选出的车险报案信息相应的报案时间点，以分析出的报案时间点中最早的一个报案时间点作为单位时间段的起始段，统计在单位时间段内接收到的车险报案信息的数量，以获取车险报案信息的接收频率，进而分析接收频率的大小。
S208，当车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息。
其中，警戒阈值是预先设置以监测接收频率的阈值。警戒阈值具体的数 值可以根据在线的工作人员标识的数量进行配置，警戒阈值表示在单位时间段内，当前在线的工作人员标识所对应的工作人员能够处理接收到的车险报案信息的最大数量。警戒阈值也可以是通过输入装置输入的数值。应灾受理配置信息是处理车险报案信息的配置信息。
在一个实施例中，服务器检测当前在线的工作人员标识的数量，根据工作人员标识的数量生成警戒阈值，从而在监测到车险报案信息的接收频率超过生成的警戒阈值时，根据灾害警戒消息配置应灾受理配置信息。
S210，按照应灾受理配置信息相应的简化流程，处理与应灾受理配置信息相匹配的车险报案信息。
其中，简化流程是处理车险报案信息的流程简化后的流程。简化流程具体可以简化对车险报案信息中部分信息进行核实的步骤，例如核实是非现场报案的步骤、确认定损地点的步骤、核实是非正常行驶的步骤、绑定保单的步骤和询问客户行为的步骤等。
在一个实施例中，服务器对接收到的车险报案信息进行分析，选取与应灾受理配置信息相匹配的车险报案信息，并根据应灾受理配置信息相应的简化流程，处理选取的车险报案信息。
上述车险的应灾处理方法，通过根据灾害警戒消息对车险报案信息进行筛选，可以根据灾害城市标识对车险报案信息进行筛选，使得筛选出来的车险报案信息是需要应灾的，从而使得车险报案消息相应的接收频率能够反映出车险报案消息所包括的城市标识相应的区域当前的灾害程度。而在根据接收频率超过警戒阈值时，可以判断出该区域当前的灾害程度会导致接收到的车险案件信息冗余。因此在判断出车险案件信息会冗余后，根据灾害警戒消息配置应灾受理配置信息，再根据应灾受理配置信息处理车险报案信息，可以使得在车险案件急剧增多时，能够按照应灾受理配置信息快速处理车险报案信息，从而使得车险报案信息能够被及时处理，进而提高在灾害发生时车险案件信息处理的效率。
在一个实施例中，当车险报案信息的接收频率超过警戒阈值时，根据灾 害警戒消息配置应灾受理配置信息，包括：获取灾害警戒消息所指定的灾害城市标识和灾害时间段；根据灾害城市标识配置应灾城市标识，以及根据灾害时间段配置应灾时间段；从应灾机构标识列表中获取指定的应灾机构标识；根据配置的应灾城市标识和应灾时间段、及应灾机构标识生成应灾受理配置信息。
其中，灾害时间段是灾害持续的时间段。应灾城市标识是需要应对灾害的城市的标识。应灾时间段是需要应对灾害的时间段。应灾机构标识是处理车险的结构的标识。应灾机构标识具体可以是保险公司的标识。
在一个实施例中，服务器在分析出车险报案信息的接收频率后，对比接收频率和警戒阈值。若接收频率小于警戒阈值，则按照正常流程处理接收到的车险报案信息；若接收频率大于警戒阈值，则根据灾害警戒消息所指定的灾害城市标识和灾害时间段配置应灾城市标识和应灾时间段，以及从应灾机构标识列表中获取指定的应灾机构标识，根据配置的应灾城市标识和应灾时间段、及应灾机构标识生成应灾受理配置信息，服务器可以按照生成的应灾受理配置信息相应的简化流程，处理与生成的应灾受理配置信息相匹配的车险报案信息。
本实施例中，通过根据灾害警戒消息所指定的灾害城市标识和灾害时间段配置应灾城市标识和应灾时间段，可以精准地配置出应灾城市标识和应灾时间段，从而使得根据应灾城市标识和应灾时间段、及应灾机构标识生成的应灾受理配置信息，可以精准地处理与灾害城市标识和灾害时间段相匹配的车险报案信息，进而使得在由于灾害发生时导致车险报案信息增多时，根据应灾受理配置信息能够高效地处理车险报案信息，提高了处理车险报案信息的效率。
在一个实施例中，按照应灾受理配置信息相应的简化流程，处理与应灾受理配置信息相匹配的车险报案信息，包括：分析车险报案信息，得到车险报案信息包括的报案时间点、报案电话号码和指定机构标识；判断报案时间点与应灾时间段、报案电话号码相应的归属地标识与应灾城市标识以及机构 标识与应灾城市标识匹配是否同时成立；若是，则将车险报案信息标记上应灾处理标识；若否，则将车险报案信息标记上常规处理标识。
其中，报案时间点是车险报案信息发送的时间点。报案电话号码是车险报案信息中记载的电话号码。电话号码的归属地标识具体可以根据通信运营商提供的标准进行配置。指定机构标识是车险报案信息中指定处理车险的机构的标识。指定机构标识具体可以是保险公司的标识。应灾处理标识是指示按照应灾受理配置信息相应的简化流程处理车险报案信息的标识。常规处理标识是指示按照正常流程处理车险报案信息的标识。
在一个实施例中，服务器配置应灾受理配置信息后，根据应灾受理配置信息更改终端发送车险报案信息的规则，并在接收到终端根据更改后的规则发送的车险报案信息时，根据灾受理配置信息中的应灾城市标识、应灾时间段和应灾机构标识，判断报案时间点与应灾时间段相匹配、报案电话号码相应的归属地标识与应灾城市标识相匹配和机构标识与应灾城市标识相匹配，并将判断结果中三者都成立的车险报案信息标记上应灾处理标识，以按照简化流程处理标记上应灾处理标识的车险报案信息，以及将判断结果中三者中至少有一项不成立的标记上常规处理标识，以按照正常流程处理标记上常规处理标识的车险报案信息。
其中，判断结果中三者中至少有一项不成立，具体是判断报案时间点与应灾时间段相匹配、报案电话号码相应的归属地标识与应灾城市标识相匹配以及机构标识与应灾城市标识相匹配的判断结果中，判断结果没有同时为匹配。
本实施例中，通过判断报案时间点、报案电话号码和指定机构标识判断是否与应灾受理配置信息相匹配，来快速地筛选出符合按照简化流程处理的车险报案信息，从而可以简化筛选车险报案信息的步骤。
在一个实施例中，将接收到的车险报案信息标记上应灾处理标识之后，上述车险的应灾处理方法还包括：分析车险报案信息，得到车险报案信息包括的出险地点、出险原因标识和事故标识；判断出险地点相应的城市标识与 应灾城市标识、出险原因标识与预设原因标识以及事故标识与预设事故标识三者中至少有一项匹配不成立；若是，则将已标记上应灾处理标识的车险报案信息重新标记常规处理标识。
其中，出险地点是车险所保的车辆需要出险的地点。出险地点具体可以精确到街道名称。出险原因标识和预设原因标识是出险的原因的标识。出险原因标识和预设原因标识具体可以重大自然灾害标识。重大自然灾害标识可以包括地震标识、洪水标识、海啸标识、台风标识、龙卷风标识、冰雹标识、泥石流标识和滑坡标识等。事故标识和预设事故标识是车险需要理赔的损失相应的标识。事故标识和预设事故标识具体可以是车辆损失。事故标识还可以包括标的货损、三者物损及人员伤亡。
在一个实施例中，服务器在将车险报案信息标记上应灾处理标识后，若还分析出车险报案信息中包括出险地点、出险原因标识和事故标识中至少一种时，则当服务器判断出险地点相应的城市标识与应灾城市标识相匹配、出险原因标识与预设原因标识相匹配和事故标识与预设事故标识相匹配中至少存在一种时，则将车险报案信息的应灾处理标识修正为常规处理标识，以按照正常流程处理重新标记上常规处理标识的车险报案信息。
本实施例中，通过对车险报案信息中记载的出险地点、出险原因标识和事故标识进行判断，在出险地点相应的城市标识与应灾城市标识相匹配、出险原因标识与预设原因标识相匹配和事故标识与预设事故标识相匹配中至少存在一种时，则将车险报案信息重新标记上常规处理标识，可以筛选掉不符合按照简化流程处理的车险报案信息，从而使得需要按照简化流程处理的车险报案信息能够被及时处理，进而提高在灾害发生时车险案件信息处理的效率。
在一个实施例中，应灾受理配置信息还包括应灾专员标识；上述车险的应灾处理方法还包括：判断标记应灾处理标识的车险报案信息是否能够触发预设直赔条件；若是，则发送电话定损信息；若否，则选取应灾受理配置信息中包括的应灾专员标识，并发送根据应灾专员标识生成的应灾派工信息。
其中，应灾专员标识是用于处理按照简化流程处理的车险报案信息的工作人员相应的标识。直赔条件是符合无需车辆定损的条件。
在一个实施例中，服务器根据接收到的车险报案信息判断出该车险报案信息能够触发直赔条件，则向终端发送电话定损信息。
在一个实施例中，服务器根据接收到的车险报案信息判断出该车险报案信息能够触发直赔条件后，接收到取消发送电话定损信息的指令时，则选取应灾受理配置信息中包括的应灾专员标识，并发送根据应灾专员标识生成的应灾派工信息。
在一个实施例中，服务器根据接收到的车险报案信息判断出该车险报案信息不能够触发直赔条件，则选取应灾受理配置信息中包括的应灾专员标识，并发送根据应灾专员标识生成的应灾派工信息。
本实施例中，通过判断车险报案信息能否触发直赔条件，在能够触发时，直接发送电话定损信息，快速处理该车险报案信息。而在不能触发时，则发送应灾派工信息，以派遣应灾专员前往处理。从而可以在提高处理车险报案信息的效率的同时，使得车险案件的理赔金得到安全保障。
在一个实施例中，应灾派工信息包括修理厂标识链接；上述车险的应灾处理方法还包括：接收触发修理厂标识链接所反馈的修理厂标识获取指令；根据修理厂标识获取指令发送维修厂标识网页文件；维修厂标识网页文件对应打开维修厂标识网页；接收对维修厂标识网页所显示的维修厂标识的确定信息；根据确定信息修正并发送应灾派工信息。
本实施例中，在终端通过维修厂标识链接而打开的维修厂标识网页选取维修厂标识后，在修正并发送应灾派工信息，以使得应灾专员获知准确的修理厂标识，从而可以减少应灾专员抵达修理厂的时间，进而提高了处理车险报案信息的效率。
图3为一个实施例中车险的应灾处理方法的流程示意图。参照图3，该车险的应灾处理方法具体包括以下步骤：
S302，接收灾害警戒消息和车险报案信息。
S304，获取灾害警戒消息所包括的灾害城市标识和车险报案信息所包括的城市标识。
S306，筛选与灾害城市标识相匹配的城市标识相对应的车险报案信息。
S308，分析筛选出的车险报案信息和相应的接收频率。
S310，判断车险报案信息的接收频率是否超过警戒阈值。
若否，则执行步骤S312。若是，则执行步骤S314。
S312，按照正常流程处理车险报案信息。
S314，获取灾害警戒消息所指定的灾害城市标识和灾害时间段。
S316，根据灾害城市标识配置应灾城市标识，以及根据灾害时间段配置应灾时间段。
S318，从应灾机构标识列表中获取指定的应灾机构标识。
S320，根据配置的应灾城市标识和应灾时间段、及应灾机构标识生成应灾受理配置信息。
S322，分析车险报案信息，得到车险报案信息包括的报案时间点、报案电话号码和指定机构标识。
在步骤S322之后，步骤S324、S326、和S328的执行顺序并没有限定，在执行步骤S324、S326、和S328中任意一项的结果为是时，可以执行三项步骤中其它未执行的一项步骤，且当执行步骤S324、S326和S328的判断结果都为是时，则执行步骤S330。若执行步骤S324、S326、和S328中任意一项的结果为否时，则立即执行步骤S332。
S324，判断报案时间点与应灾时间段相匹配。
S326，判断报案电话号码相应的归属地标识与应灾城市标识相匹配。
S328，判断机构标识与应灾城市标识相匹配。
S330，将车险报案信息标记上应灾处理标识。
S332，将车险报案信息标记上常规处理标识。
在执行步骤S332之后，返回执行步骤S312。在执行步骤S330之后，执行步骤S334。
S334，判断标记应灾处理标识的车险报案信息是否能够触发预设直赔条件。
若是，则执行步骤S336。若否，则执行步骤S338。
S336，发送电话定损信息。
S338，选取应灾受理配置信息中包括的应灾专员标识，并发送根据应灾专员标识生成的应灾派工信息；应灾派工信息包括修理厂标识链接。
S340，接收触发修理厂标识链接所反馈的修理厂标识获取指令。
S342，根据修理厂标识获取指令发送维修厂标识网页文件；维修厂标识网页文件对应打开维修厂标识网页。
S344，接收对维修厂标识网页所显示的维修厂标识的确定信息。
S346，根据确定信息修正并发送应灾派工信息。
上述车险的应灾处理方法，通过根据灾害警戒消息对车险报案信息进行筛选，可以根据灾害城市标识对车险报案信息进行筛选，使得筛选出来的车险报案信息是需要应灾的，从而使得车险报案消息相应的接收频率能够反映出车险报案消息所包括的城市标识相应的区域当前的灾害程度。而在根据接收频率超过警戒阈值时，可以判断出该区域当前的灾害程度会导致接收到的车险案件信息冗余。因此在判断出车险案件信息会冗余后，根据灾害警戒消息配置应灾受理配置信息，再根据应灾受理配置信息处理车险报案信息，可以使得在车险案件急剧增多时，能够按照应灾受理配置信息快速处理车险报案信息，从而使得车险报案信息能够被及时处理，进而提高在灾害发生时车险案件信息处理的效率。
应该理解的是，虽然图3的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，这些步骤可以以其它的顺序执行。而且，图3中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，这些子步骤或者阶段的执行顺序也不必然是依次进行，而是 可以与其它步骤或者其它步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。
如图4所示，在一个实施例中，还提供了一种车险的应灾处理装置400，该车险的应灾处理装置400包括：信息接收模块402、信息筛选模块404、信息分析模块406、信息配置模块408和信息处理模块410。
信息接收模块402，用于接收灾害警戒消息和车险报案信息。
信息筛选模块404，用于根据灾害警戒消息所指定的灾害城市标识从车险报案信息筛选出城市标识，城市标识与灾害城市标识相匹配。
信息分析模块406，用于分析所筛选出的车险报案信息和相应的接收频率。
信息配置模块408，用于当车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息。
信息处理模块410，用于按照应灾受理配置信息相应的简化流程、处理与应灾受理配置信息相匹配的车险报案信息。
上述车险的应灾处理装置400，通过根据灾害警戒消息对车险报案信息进行筛选，可以根据灾害城市标识对车险报案信息进行筛选，使得筛选出来的车险报案信息是需要应灾的，从而使得车险报案消息相应的接收频率能够反映出车险报案消息所包括的城市标识相应的区域当前的灾害程度。而在根据接收频率超过警戒阈值时，可以判断出该区域当前的灾害程度会导致接收到的车险案件信息冗余。因此在判断出车险案件信息会冗余后，根据灾害警戒消息配置应灾受理配置信息，再根据应灾受理配置信息处理车险报案信息，可以使得在车险案件急剧增多时，能够按照应灾受理配置信息快速处理车险报案信息，从而使得车险报案信息能够被及时处理，进而提高在灾害发生时车险案件信息处理的效率。
如图5所示，在一个实施例中，信息配置模块408包括：城市标识获取模块408a，用于获取灾害警戒消息所指定的灾害城市标识和灾害时间段；标 识信息配置模块408b，用于根据灾害城市标识配置应灾城市标识，以及根据灾害时间段配置应灾时间段；机构标识获取模块408c，用于从应灾机构标识列表中获取指定的应灾机构标识；配置信息生成模块408d，用于根据配置的应灾城市标识和应灾时间段、及应灾机构标识生成应灾受理配置信息。
如图6所示，在一个实施例中，信息处理模块410包括：报案信息分析模块410a，用于分析车险报案信息，得到车险报案信息包括的报案时间点、报案电话号码和指定机构标识；判断模块410b，用于判断报案时间点与应灾时间段、报案电话号码相应的归属地标识与应灾城市标识以及机构标识与应灾城市标识匹配是否同时成立；标识标记模块410c，用于在判断为是时，将车险报案信息标记上应灾处理标识；及用于在判断为否时，将车险报案信息标记上常规处理标识。
在一个实施例中，信息处理模块410还包括：报案信息分析模块410a，还用于分析车险报案信息，得到车险报案信息包括的出险地点、出险原因标识和事故标识；判断模块410b，还用于判断出险地点相应的城市标识与应灾城市标识、出险原因标识与预设原因标识以及事故标识与预设事故标识三者中至少有一项匹配不成立；标识标记模块410c，还用于在判断出存在至少一种不成立时，则将已标记上应灾处理标识的车险报案信息重新标记常规处理标识。
如图7所示，在一个实施例中，应灾受理配置信息还包括应灾专员标识；判断模块410b，还用于判断标记应灾处理标识的车险报案信息是否能够触发预设直赔条件；车险的应灾处理装置400还包括：短信发送模块412，用于在判断出标记应灾处理标识的车险报案信息能够触发预设直赔条件时，发送电话定损信息；以及判断出标记应灾处理标识的车险报案信息不能够触发预设直赔条件时，则选取应灾受理配置信息中包括的应灾专员标识，并发送根据应灾专员标识生成的应灾派工信息。
如图8所示，在一个实施例中，应灾派工信息包括修理厂标识链接；信息接收模块402，还用于接收触发修理厂标识链接所反馈的修理厂标识获取 指令；车险的应灾处理装置400还包括：网页文件发送模块414，用于根据修理厂标识获取指令发送维修厂标识网页文件；维修厂标识网页文件对应打开维修厂标识网页；信息接收模块402，还用于接收对维修厂标识网页所显示的维修厂标识的确定信息；短信发送模块412，还用于根据确定信息修正并发送应灾派工信息。
在一个实施例中，提供了一种计算机设备，该计算机设备可以是服务器，也可以是移动终端。当该计算机设备为服务器时，其内部结构图可以如图9所示。该计算机设备包括通过系统总线连接的处理器、存储器和网络接口。其中，该计算机设备的处理器用于提供计算和控制能力。该计算机设备的存储器包括非易失性存储介质、内存储器。该非易失性存储介质存储有操作系统和计算机可读指令。该内存储器为非易失性存储介质中的操作系统和计算机可读指令的运行提供环境。该计算机设备的网络接口用于与外部的终端通过网络连接通信。该计算机可读指令被处理器执行时以实现一种车险的应灾处理方法。该计算机设备的输入装置可以是显示屏上覆盖的触摸层，也可以是计算机设备外壳上配置的按键、轨迹球或触控板，还可以是外接的键盘、触控板或鼠标等，该输入装置可以用于输入灾害警戒消息和警戒阈值中的至少一种。该计算机设备的收发装置可以是外挂的通讯装置，如通过线材与计算机设备相连接的固定电话，也可以是内置的通讯装置，如嵌入通讯芯片的PCB(Printed Circuit Board，印制电路板)，计算机设备的收发装置可以用于接收灾害警戒消息和车险报案信息。
本领域技术人员可以理解，图9中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的计算机设备的限定，具体的计算机设备可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在一个实施例中，本申请提供的车险的应灾处理装置可以实现为一种计算机可读指令的形式，计算机可读指令可在如图9所示的计算机设备上运行。 计算机设备的存储器中可存储组成该车险的应灾处理装置的各个程序模块，比如，图4所示的信息接收模块402、信息筛选模块404、信息分析模块406、信息配置模块408和信息处理模块410。各个程序模块构成的计算机可读指令使得处理器执行本说明书中描述的本申请各个实施例的车险的应灾处理方法中的步骤。
例如，图9所示的计算机设备可以通过如图4所示的车险的应灾处理装置中的信息接收模块402执行步骤S202。计算机设备可通过信息筛选模块404执行步骤S204。计算机设备可通过信息分析模块406执行步骤S206。计算机设备可通过信息配置模块408执行步骤S208。计算机设备可通过信息处理模块410执行步骤S210。
在一个实施例中，还提供了一种计算机设备，包括存储器和处理器，存储器存储有计算机可读指令，计算机可读指令被处理器执行时，使得处理器执行如下方法的步骤：接收灾害警戒消息和车险报案信息；根据灾害警戒消息所指定的灾害城市标识从车险报案信息筛选出城市标识，城市标识与灾害城市标识相匹配；分析所筛选出的车险报案信息和相应的接收频率；当车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息；按照应灾受理配置信息相应的简化流程，处理与应灾受理配置信息相匹配的车险报案信息。
上述计算机设备，通过根据灾害警戒消息对车险报案信息进行筛选，可以根据灾害城市标识对车险报案信息进行筛选，使得筛选出来的车险报案信息是需要应灾的，从而使得车险报案消息相应的接收频率能够反映出车险报案消息所包括的城市标识相应的区域当前的灾害程度。而在根据接收频率超过警戒阈值时，可以判断出该区域当前的灾害程度会导致接收到的车险案件信息冗余。因此在判断出车险案件信息会冗余后，根据灾害警戒消息配置应灾受理配置信息，再根据应灾受理配置信息处理车险报案信息，可以使得在车险案件急剧增多时，能够按照应灾受理配置信息快速处理车险报案信息，从而使得车险报案信息能够被及时处理，进而提高在灾害发生时车险案件信 息处理的效率。
在一个实施例中，计算机可读指令被处理器执行时，使得处理器执行当车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息的步骤，包括：获取灾害警戒消息所指定的灾害城市标识和灾害时间段；根据灾害城市标识配置应灾城市标识，以及根据灾害时间段配置应灾时间段；从应灾机构标识列表中获取指定的应灾机构标识；根据配置的应灾城市标识和应灾时间段、及应灾机构标识生成应灾受理配置信息。
在一个实施例中，计算机可读指令被处理器执行时，使得处理器执行按照应灾受理配置信息相应的简化流程，处理与应灾受理配置信息相匹配的车险报案信息的步骤，包括：分析车险报案信息，得到车险报案信息包括的报案时间点、报案电话号码和指定机构标识；判断报案时间点与应灾时间段、报案电话号码相应的归属地标识与应灾城市标识以及机构标识与应灾城市标识匹配是否同时成立；若是，则将车险报案信息标记上应灾处理标识；若否，则将车险报案信息标记上常规处理标识。
在一个实施例中，计算机可读指令被处理器执行时，使得处理器执行将接收到的车险报案信息标记上应灾处理标识的步骤之后，还使得处理器执行以下步骤：分析车险报案信息，得到车险报案信息包括的出险地点、出险原因标识和事故标识；判断出险地点相应的城市标识与应灾城市标识、出险原因标识与预设原因标识以及事故标识与预设事故标识三者中至少有一项匹配不成立；若是，则将已标记上应灾处理标识的车险报案信息重新标记常规处理标识。
在一个实施例中，应灾受理配置信息还包括应灾专员标识；计算机可读指令被处理器执行时，还使得处理器执行以下步骤：判断标记应灾处理标识的车险报案信息是否能够触发预设直赔条件；若是，则发送电话定损信息；若否，则选取应灾受理配置信息中包括的应灾专员标识，并发送根据应灾专员标识生成的应灾派工信息。
在一个实施例中，应灾派工信息包括修理厂标识链接；计算机可读指令 被处理器执行时，还使得处理器执行以下步骤：接收触发修理厂标识链接所反馈的修理厂标识获取指令；根据修理厂标识获取指令发送维修厂标识网页文件；维修厂标识网页文件对应打开维修厂标识网页；接收对维修厂标识网页所显示的维修厂标识的确定信息；根据确定信息修正并发送应灾派工信息。
在一个实施例中，还提供了一种计算机可读存储介质，存储有计算机可读指令，计算机可读指令被处理器执行时，使得处理器执行如下方法的步骤：接收灾害警戒消息和车险报案信息；根据灾害警戒消息所指定的灾害城市标识从车险报案信息筛选出城市标识，城市标识与灾害城市标识相匹配；分析所筛选出的车险报案信息和相应的接收频率；当车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息；按照应灾受理配置信息相应的简化流程，处理与应灾受理配置信息相匹配的车险报案信息。
上述计算机可读存储介质，通过根据灾害警戒消息对车险报案信息进行筛选，可以根据灾害城市标识对车险报案信息进行筛选，使得筛选出来的车险报案信息是需要应灾的，从而使得车险报案消息相应的接收频率能够反映出车险报案消息所包括的城市标识相应的区域当前的灾害程度。而在根据接收频率超过警戒阈值时，可以判断出该区域当前的灾害程度会导致接收到的车险案件信息冗余。因此在判断出车险案件信息会冗余后，根据灾害警戒消息配置应灾受理配置信息，再根据应灾受理配置信息处理车险报案信息，可以使得在车险案件急剧增多时，能够按照应灾受理配置信息快速处理车险报案信息，从而使得车险报案信息能够被及时处理，进而提高在灾害发生时车险案件信息处理的效率。
在一个实施例中，计算机可读指令被处理器执行时，使得处理器执行当车险报案信息的接收频率超过警戒阈值时，根据灾害警戒消息配置应灾受理配置信息的步骤，包括：获取灾害警戒消息所指定的灾害城市标识和灾害时间段；根据灾害城市标识配置应灾城市标识，以及根据灾害时间段配置应灾时间段；从应灾机构标识列表中获取指定的应灾机构标识；根据配置的应灾 城市标识和应灾时间段、及应灾机构标识生成应灾受理配置信息。
在一个实施例中，计算机可读指令被处理器执行时，使得处理器执行按照应灾受理配置信息相应的简化流程，处理与应灾受理配置信息相匹配的车险报案信息的步骤，包括：分析车险报案信息，得到车险报案信息包括的报案时间点、报案电话号码和指定机构标识；判断报案时间点与应灾时间段、报案电话号码相应的归属地标识与应灾城市标识以及机构标识与应灾城市标识匹配是否同时成立；若是，则将车险报案信息标记上应灾处理标识；若否，则将车险报案信息标记上常规处理标识。
在一个实施例中，计算机可读指令被处理器执行时，使得处理器执行将接收到的车险报案信息标记上应灾处理标识的步骤之后，还使得处理器执行以下步骤：分析车险报案信息，得到车险报案信息包括的出险地点、出险原因标识和事故标识；判断出险地点相应的城市标识与应灾城市标识、出险原因标识与预设原因标识以及事故标识与预设事故标识三者中至少有一项匹配不成立；若是，则将已标记上应灾处理标识的车险报案信息重新标记常规处理标识。
在一个实施例中，应灾受理配置信息还包括应灾专员标识；计算机可读指令被处理器执行时，还使得处理器执行以下步骤：判断标记应灾处理标识的车险报案信息是否能够触发预设直赔条件；若是，则发送电话定损信息；若否，则选取应灾受理配置信息中包括的应灾专员标识，并发送根据应灾专员标识生成的应灾派工信息。
在一个实施例中，应灾派工信息包括修理厂标识链接；计算机可读指令被处理器执行时，还使得处理器执行以下步骤：接收触发修理厂标识链接所反馈的修理厂标识获取指令；根据修理厂标识获取指令发送维修厂标识网页文件；维修厂标识网页文件对应打开维修厂标识网页；接收对维修厂标识网页所显示的维修厂标识的确定信息；根据确定信息修正并发送应灾派工信息。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流 程，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在执行时，可包括如上述各方法的实施例的流程。其中，本申请所提供的各实施例中所使用的对存储器、数据库或其它介质的任何引用，均可包括非易失性存储器。非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种车险的应灾处理方法，包括：
    接收灾害警戒消息和车险报案信息；
    根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；
    分析所筛选出的所述车险报案信息和相应的接收频率；
    当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及
    按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息。
  2. 根据权利要求1所述的方法，其特征在于，所述当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息，包括：
    获取所述灾害警戒消息所指定的灾害城市标识和灾害时间段；
    根据所述灾害城市标识配置应灾城市标识，以及根据所述灾害时间段配置应灾时间段；
    从应灾机构标识列表中获取指定的应灾机构标识；及
    根据配置的所述应灾城市标识和所述应灾时间段、及所述应灾机构标识生成应灾受理配置信息。
  3. 根据权利要求2所述的方法，其特征在于，所述按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息，包括：
    分析所述车险报案信息，得到所述车险报案信息包括的报案时间点、报案电话号码和指定机构标识；
    判断所述报案时间点与所述应灾时间段、所述报案电话号码相应的归属地标识与所述应灾城市标识以及所述机构标识与所述应灾城市标识匹配是否同时成立；
    若是，则将所述车险报案信息标记上应灾处理标识；及
    若否，则将所述车险报案信息标记上常规处理标识。
  4. 根据权利要求3所述的方法，其特征在于，所述将接收到的车险报案信息标记上应灾处理标识之后，所述方法还包括：
    分析所述车险报案信息，得到所述车险报案信息包括的出险地点、出险原因标识和事故标识；
    判断所述出险地点相应的城市标识与所述应灾城市标识、所述出险原因标识与预设原因标识以及所述事故标识与预设事故标识三者中至少有一项匹配不成立；及
    若是，则将已标记上所述应灾处理标识的所述车险报案信息重新标记所述常规处理标识。
  5. 根据权利要求4所述的方法，其特征在于，所述应灾受理配置信息还包括应灾专员标识；所述方法还包括：
    判断标记所述应灾处理标识的所述车险报案信息是否能够触发预设直赔条件；
    若是，则发送电话定损信息；及
    若否，则选取所述应灾受理配置信息中包括的所述应灾专员标识，并发送根据所述应灾专员标识生成的应灾派工信息。
  6. 根据权利要求5所述的方法，其特征在于，所述应灾派工信息包括修理厂标识链接；所述方法还包括：
    接收触发所述修理厂标识链接所反馈的修理厂标识获取指令；
    根据所述修理厂标识获取指令发送维修厂标识网页文件；所述维修厂标识网页文件对应打开维修厂标识网页；
    接收对所述维修厂标识网页所显示的维修厂标识的确定信息；及
    根据所述确定信息修正并发送所述应灾派工信息。
  7. 一种车险的应灾处理装置，所述装置包括：
    信息接收模块，用于接收灾害警戒消息和车险报案信息；
    信息筛选模块，用于根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；
    信息分析模块，用于分析所筛选出的所述车险报案信息和相应的接收频率；
    信息配置模块，用于当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及
    信息处理模块，用于按照所述应灾受理配置信息相应的简化流程、处理与所述应灾受理配置信息相匹配的所述车险报案信息。
  8. 根据权利要求7所述的装置，其特征在于，所述信息配置模块包括：
    城市标识获取模块，用于获取所述灾害警戒消息所指定的灾害城市标识和灾害时间段；
    标识信息配置模块，用于根据所述灾害城市标识配置应灾城市标识，以及根据所述灾害时间段配置应灾时间段；
    机构标识获取模块，用于从应灾机构标识列表中获取指定的应灾机构标识；及
    配置信息生成模块，用于根据配置的所述应灾城市标识和所述应灾时间段、及所述应灾机构标识生成应灾受理配置信息。
  9. 根据权利要求8所述的装置，其特征在于，所述信息处理模块包括：
    报案信息分析模块，用于分析所述车险报案信息，得到所述车险报案信息包括的报案时间点、报案电话号码和指定机构标识；
    判断模块，用于判断所述报案时间点与所述应灾时间段、所述报案电话号码相应的归属地标识与所述应灾城市标识以及所述机构标识与所述应灾城市标识匹配是否同时成立；
    标识标记模块，用于在判断为是时，将所述车险报案信息标记上应灾处理标识；及
    所述标识标记模块，还用于在判断为否时，将所述车险报案信息标记上常规处理标识。
  10. 根据权利要求9所述的装置，其特征在于，所述报案信息分析模块，还用于分析所述车险报案信息，得到所述车险报案信息包括的出险地点、出险原因标识和事故标识；
    所述判断模块，还用于判断所述出险地点相应的城市标识与所述应灾城市标识、所述出险原因标识与预设原因标识以及所述事故标识与预设事故标识三者中至少有一项匹配不成立；及
    所述标识标记模块，还用于当判断三者中至少有一项匹配不成立时，则将已标记上所述应灾处理标识的所述车险报案信息重新标记所述常规处理标识。
  11. 一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收灾害警戒消息和车险报案信息；
    根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；
    分析所筛选出的所述车险报案信息和相应的接收频率；
    当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及
    按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息。
  12. 根据权利要求11所述的存储介质，其特征在于，所述一个或多个处理器执行所述当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息的步骤，包括：
    获取所述灾害警戒消息所指定的灾害城市标识和灾害时间段；
    根据所述灾害城市标识配置应灾城市标识，以及根据所述灾害时间段配置应灾时间段；
    从应灾机构标识列表中获取指定的应灾机构标识；及
    根据配置的所述应灾城市标识和所述应灾时间段、及所述应灾机构标识生成应灾受理配置信息。
  13. 根据权利要求12所述的存储介质，其特征在于，所述一个或多个处理器执行所述按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息的步骤，包括：
    分析所述车险报案信息，得到所述车险报案信息包括的报案时间点、报案电话号码和指定机构标识；
    判断所述报案时间点与所述应灾时间段、所述报案电话号码相应的归属地标识与所述应灾城市标识以及所述机构标识与所述应灾城市标识匹配是否同时成立；
    若是，则将所述车险报案信息标记上应灾处理标识；及
    若否，则将所述车险报案信息标记上常规处理标识。
  14. 根据权利要求13所述的存储介质，其特征在于，所述一个或多个处理器在执行所述将接收到的车险报案信息标记上应灾处理标识的步骤之后，所述一个或多个处理器还执行以下步骤：
    分析所述车险报案信息，得到所述车险报案信息包括的出险地点、出险原因标识和事故标识；
    判断所述出险地点相应的城市标识与所述应灾城市标识、所述出险原因标识与预设原因标识以及所述事故标识与预设事故标识三者中至少有一项匹配不成立；及
    若是，则将已标记上所述应灾处理标识的所述车险报案信息重新标记所述常规处理标识。
  15. 根据权利要求14所述的存储介质，其特征在于，所述应灾受理配置信息还包括应灾专员标识；所述计算机可读指令被一个或多个处理器执行时，还使得所述一个或多个处理器执行以下步骤：
    判断标记所述应灾处理标识的所述车险报案信息是否能够触发预设直赔条件；
    若是，则发送电话定损信息；及
    若否，则选取所述应灾受理配置信息中包括的所述应灾专员标识，并发送根据所述应灾专员标识生成的应灾派工信息。
  16. 一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收灾害警戒消息和车险报案信息；
    根据所述灾害警戒消息所指定的灾害城市标识从所述车险报案信息筛选出城市标识，所述城市标识与所述灾害城市标识相匹配；
    分析所筛选出的所述车险报案信息和相应的接收频率；
    当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息；及
    按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息。
  17. 根据权利要求16所述的计算机设备，其特征在于，所述一个或多个处理器执行所述当所述车险报案信息的接收频率超过警戒阈值时，根据所述灾害警戒消息配置应灾受理配置信息的步骤，包括：
    获取所述灾害警戒消息所指定的灾害城市标识和灾害时间段；
    根据所述灾害城市标识配置应灾城市标识，以及根据所述灾害时间段配置应灾时间段；
    从应灾机构标识列表中获取指定的应灾机构标识；及
    根据配置的所述应灾城市标识和所述应灾时间段、及所述应灾机构标识生成应灾受理配置信息。
  18. 根据权利要求17所述的计算机设备，其特征在于，所述一个或多个处理器执行所述按照所述应灾受理配置信息相应的简化流程，处理与所述应灾受理配置信息相匹配的所述车险报案信息的步骤，包括：
    分析所述车险报案信息，得到所述车险报案信息包括的报案时间点、报 案电话号码和指定机构标识；
    判断所述报案时间点与所述应灾时间段、所述报案电话号码相应的归属地标识与所述应灾城市标识以及所述机构标识与所述应灾城市标识匹配是否同时成立；
    若是，则将所述车险报案信息标记上应灾处理标识；及
    若否，则将所述车险报案信息标记上常规处理标识。
  19. 根据权利要求18所述的计算机设备，其特征在于，所述一个或多个处理器在执行所述将接收到的车险报案信息标记上应灾处理标识的步骤之后，所述一个或多个处理器还执行以下步骤：
    分析所述车险报案信息，得到所述车险报案信息包括的出险地点、出险原因标识和事故标识；
    判断所述出险地点相应的城市标识与所述应灾城市标识、所述出险原因标识与预设原因标识以及所述事故标识与预设事故标识三者中至少有一项匹配不成立；及
    若是，则将已标记上所述应灾处理标识的所述车险报案信息重新标记所述常规处理标识。
  20. 根据权利要求19所述的计算机设备，其特征在于，所述应灾受理配置信息还包括应灾专员标识；所述计算机可读指令被一个或多个处理器执行时，还使得所述一个或多个处理器执行以下步骤：
    判断标记所述应灾处理标识的所述车险报案信息是否能够触发预设直赔条件；
    若是，则发送电话定损信息；及
    若否，则选取所述应灾受理配置信息中包括的所述应灾专员标识，并发送根据所述应灾专员标识生成的应灾派工信息。
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