WO2019136915A1 - Procédé de liquidation de sinistre sur pertes fixes, serveur et support de stockage lisible par ordinateur - Google Patents

Procédé de liquidation de sinistre sur pertes fixes, serveur et support de stockage lisible par ordinateur Download PDF

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Publication number
WO2019136915A1
WO2019136915A1 PCT/CN2018/089883 CN2018089883W WO2019136915A1 WO 2019136915 A1 WO2019136915 A1 WO 2019136915A1 CN 2018089883 W CN2018089883 W CN 2018089883W WO 2019136915 A1 WO2019136915 A1 WO 2019136915A1
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Prior art keywords
loss
determined
fixed
picture
image
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PCT/CN2018/089883
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English (en)
Chinese (zh)
Inventor
王健宗
黄章成
刘鹏
林春伟
肖京
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平安科技（深圳）有限公司
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Publication of WO2019136915A1 publication Critical patent/WO2019136915A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T7/00—Image analysis
    • G06T7/0002—Inspection of images, e.g. flaw detection
    • G06T7/0004—Industrial image inspection
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T2207/00—Indexing scheme for image analysis or image enhancement
    • G06T2207/10—Image acquisition modality
    • G06T2207/10004—Still image; Photographic image
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T2207/00—Indexing scheme for image analysis or image enhancement
    • G06T2207/30—Subject of image; Context of image processing
    • G06T2207/30108—Industrial image inspection
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T2207/00—Indexing scheme for image analysis or image enhancement
    • G06T2207/30—Subject of image; Context of image processing
    • G06T2207/30204—Marker

Definitions

  • the present application relates to the field of image processing technologies, and in particular, to a loss compensation method, a server, and a computer readable storage medium.
  • the present application proposes a fixed loss claim method, a server, and a computer readable storage medium, which can realize the distribution of the to-be-determined loss picture in a crowdsourced form, thereby achieving a fixed loss determination at a lower cost and alleviating professional damage.
  • the strength of the work of the staff is not limited to.
  • the present application provides a server, the server includes a memory, a processor, and the memory stores a fixed loss claim system operable on the processor, where the fixed loss claim system is
  • the processor implements the following steps when executed:
  • the received fixed loss label it is analyzed whether the fixed loss labels of the same to-be-determined loss picture are consistent, so as to analyze the damage loss result of each of the to-be-determined loss pictures.
  • the present application further provides a method for determining a loss claim, which is applied to a server, and the method includes:
  • the received fixed loss label it is analyzed whether the fixed loss labels of the same to-be-determined loss picture are consistent, so as to analyze the damage loss result of each of the to-be-determined loss pictures.
  • the present application further provides a computer readable storage medium storing a loss compensation system, the fixed loss claim system being executable by at least one processor, such that The at least one processor performs the steps of the fixed loss method as described above.
  • the fixed loss claim method, the server and the computer readable storage medium proposed by the present application firstly acquire a plurality of to-be-determined loss pictures; secondly, copy each of the to-be-determined loss pictures to a preset number of copies, And distributed to a plurality of public weight loss personnel according to a preset allocation mechanism; further, receiving a fixed loss label returned by each of the mass loss controllers; finally, analyzing the same fixed loss image according to the received fixed loss label Whether the damage labels are consistent to analyze the damage loss result of each of the to-be-determined damage pictures.
  • FIG. 1 is a schematic diagram of an optional application environment of each embodiment of the present application.
  • FIG. 2 is a schematic diagram of an optional hardware architecture of the server of the present application.
  • FIG. 3 is a schematic diagram of a program module of a first embodiment of the loss compensation system of the present application.
  • FIG. 4 is a schematic diagram of a program module of a second embodiment of the fixed loss claim system of the present application.
  • FIG. 5 is a schematic diagram of an implementation process of a first embodiment of a method for determining a loss claim according to the present application
  • FIG. 6 is a schematic diagram of an implementation process of a second embodiment of a method for determining damages according to the present application.
  • Terminal Equipment 1 server 2 The internet 3 Memory 11 processor 12 Network Interface 13 Fixed loss claims system 100 Acquisition module 101 Distribution module 102
  • FIG. 1 it is a schematic diagram of an optional application environment of each embodiment of the present application.
  • the present application is applicable to an application environment including, but not limited to, the terminal device 1, the server 2, and the network 3.
  • the terminal device 1 may be a mobile phone, a smart phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a navigation device, an in-vehicle device, etc.
  • Mobile devices such as, and fixed terminals such as digital TVs, desktop computers, notebooks, servers, and the like.
  • the server 2 may be a computing device such as a rack server, a blade server, a tower server, or a rack server.
  • the server 2 may be a stand-alone server or a server cluster composed of multiple servers.
  • the network 3 may be an intranet, an Internet, a Global System of Mobile communication (GSM), a Wideband Code Division Multiple Access (WCDMA), a 4G network, Wireless or wired networks such as 5G networks, Bluetooth, Wi-Fi, and call networks.
  • the server 2 can be communicatively connected to one or more of the terminal devices 1 through the network 3 for data transmission and interaction.
  • FIG. 2 it is a schematic diagram of an optional hardware architecture of the server 2 of the present application.
  • the server 2 may include, but is not limited to, the memory 11, the processor 12, and the network interface 13 being communicably connected to each other through a system bus. It is to be noted that Figure 2 shows only server 2 with components 11-13, but it should be understood that not all illustrated components may be implemented and that more or fewer components may be implemented instead.
  • the memory 11 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), a random access memory (RAM), a static Random access memory (SRAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), programmable read only memory (PROM), magnetic memory, magnetic disk, optical disk, and the like.
  • the memory 11 may be an internal storage unit of the server 2, such as a hard disk or memory of the server 2.
  • the memory 11 may also be an external storage device of the server 2, such as a plug-in hard disk equipped on the server 2, a smart memory card (SMC), and a secure digital (Secure) Digital, SD) cards, flash cards, etc.
  • the memory 11 can also include both the internal storage unit of the server 2 and its external storage device.
  • the memory 11 is generally used to store an operating system installed on the server 2 and various types of application software, such as program code of the loss compensation system 100. Further, the memory 11 can also be used to temporarily store various types of data that have been output or are to be output.
  • the processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments.
  • the processor 12 is typically used to control the overall operation of the server 2, such as performing control and processing related to data interaction or communication with the terminal device 1.
  • the processor 12 is configured to run program code or process data stored in the memory 11, such as running the fixed loss claim system 100 and the like.
  • the network interface 13 may comprise a wireless network interface or a wired network interface, which is typically used to establish a communication connection between the server 2 and other electronic devices.
  • the network interface 13 is mainly used to connect the server 2 to one or more of the terminal devices 1 through the network 3, and the server 2 and the one or more terminal devices 1 Establish a data transmission channel and communication connection between.
  • the terminal device 1 may be a device used by a mass-dealer to perform a fixed-loss labeling, such as a PC computer or a mobile phone of a mass-dealer.
  • the present application proposes a fixed loss claim system 100.
  • FIG. 3 it is a program module diagram of the first embodiment of the fixed loss claim system 100 of the present application.
  • the fixed loss claim system 100 includes a series of computer program instructions stored in the memory 11, and when the computer program instructions are executed by the processor 12, the loss claim operation of the embodiments of the present application can be implemented. .
  • the loss claim system 100 can be divided into one or more modules based on the particular operations implemented by the various portions of the computer program instructions. For example, in FIG. 3, the loss determination system 100 can be divided into an acquisition module 101, an allocation module 102, a receiving module 103, and an analysis module 104. among them:
  • the obtaining module 101 is configured to acquire a plurality of to-be-determined loss pictures.
  • each of the to-be-determined pictures may be a picture of an accident vehicle or a damaged picture of other insured objects.
  • the obtaining module 101 may receive the to-be-determined picture from the user terminal of the fixed loss terminal and/or the claimant.
  • the fixed loss terminal may be a fixed loss terminal device of the claim surveying personnel.
  • the user terminal of the claimant may be a device such as a mobile phone or a tablet of the claimant.
  • the obtaining module 101 may further acquire the to-be-determined picture from the background server.
  • the background server may be a server for storing a to-be-determined picture collected by an insurance company.
  • the distribution module 102 is configured to copy each of the to-be-determined loss pictures by a predetermined number of copies, and distribute them to a plurality of public weight loss personnel according to a preset allocation mechanism.
  • the public rating loss person may be a user of the crowdsourcing platform, and the to-be-determined loss picture may be sent to the crowdsourcing platform account of the public rating person.
  • the mass loss controller can log in to the terminal device 1 to view the to-be-determined loss picture, and treat the loss-reduction picture for the loss-reduction labeling and return-back operation.
  • the crowdsourcing parameter corresponding to the fixed-loss task is obtained;
  • the above-mentioned crowdsourcing parameter includes but is not limited to: the validity period of the fixed-loss task (for example, when the task is valid) , that is, when the task can be accepted), the completion time of the damage task (for example, the mass loss officer must complete the completion time after the completion of the damage task, otherwise the task is invalid), reward (such as: Volkswagen
  • the rewards that the loss-receiving officer can obtain after completing the task within the specified time can be points or cash, the reward can be obtained when the task is completed or the result is adopted, and the reward budget (for example: reward for the general public) The total amount of the upper limit) and other parameters.
  • the distribution module 102 can obtain the corresponding crowdsourcing parameter according to the specific damage task.
  • the specific type of the above crowdsourcing parameter is not limited in the embodiment of the present application.
  • the crowdsourcing parameter includes, but is not limited to, an expiration date of the destructive task (for example, when the task is valid, that is, when the task can be accepted), and the completion time of the destructive task (for example, the mass loss officer) After accepting the damage task, it must be completed within the completion time, otherwise the task will be invalid.
  • the reward that the mass loss officer can obtain after completing the task within the specified time can be points or cash, and the reward can be Parameters such as when the task is completed or after the result is adopted, and the reward budget (for example, the upper limit of the total amount of rewards for each general public).
  • the terminal After obtaining the corresponding crowdsourcing parameter, determining, according to the preset first analysis rule and the preset model, the mass loss controller matching the above-mentioned vehicle loss determination task, and moving to the determined mass loss controller
  • the terminal issues a fixed loss task carrying the above crowdsourcing parameters.
  • determining the mass loss-reducing staff that matches the fixed-loss task it may be based on the specific type and specific crowdsourcing parameters corresponding to the damage-removing task, as well as the personal information of the general-ranking loss-receiving person, the historical loss data of the general-ranking loss-receiving person, etc.
  • the matching is performed to determine the corresponding mass loss maker, and the corresponding loss-removing task is sent to the mobile terminal corresponding to the determined mass-dealer (or the crowd-source account or the mailbox of the mass-dealer).
  • the allocating module 102 may copy each of the to-be-determined pictures to a preset number of copies to obtain a first preset number of to-be-determined pictures, and then the first preset number of to-be-determined losses.
  • the picture is divided into a second preset number of picture sets, and finally each of the picture sets is randomly assigned to each of the public weight loss personnel, and the second preset quantity is equal to the number of the public weight loss personnel. .
  • the same to-be-determined loss picture needs to be divided into different picture collections, so as to ensure that the same picture is not included in the multiple fixed-loss pictures received by each public rating user.
  • the acquisition module 101 acquires one hundred to-be-determined loss pictures.
  • the distribution module 102 has selected fifty public losers.
  • the four hundred to-be-determined loss pictures may be divided into fifty picture sets, wherein the same to-be-determined picture needs to be divided into different picture sets, and finally each picture set is randomly distributed to each public rating person.
  • Each public loser is assigned to a picture to be determined in a picture set.
  • the receiving module 103 is configured to receive a fixed loss label returned by each of the mass loss controllers.
  • each of the mass occupants performs a loss identification for each of the to-be-determined images to be assigned, and the receiving module 103 receives the loss-receiving annotations returned by each of the public dampers.
  • the fixed loss label corresponds to the image to be determined
  • the analysis module 104 is configured to analyze whether the fixed loss labels of the same to-be-determined loss picture are consistent according to the received fixed loss label, so as to analyze the loss loss result of each of the to-be-determined loss pictures.
  • the analysis module 104 uses the fixed-loss label as the loss-reduction result of the to-be-determined picture as a reference for subsequent claims. If the fixed loss labels of a certain to-be-determined picture are inconsistent, the analysis module 104 marks the to-be-determined loss picture to wait for the re-marking of the loss.
  • the analysis module 104 may also send the to-be-determined picture to the preset terminal (the fixed loss device of the professional loss-receiving device) to pass the professional setting. Loss of the person to make a loss.
  • the analysis module 104 determines whether the number of fixed damages of the image to be determined exceeds a preset number of times, and if the number of fixed damages of the image to be determined does not exceed For a preset number of times, the analysis module 104 marks the to-be-determined loss picture to wait for the re-marking of the loss.
  • the analyzing module 104 sends the to-be-determined picture to the preset terminal, so as to determine the loss by the professional loss-receiving member, thereby avoiding the mass loss
  • the fixed loss of a certain to-be-determined loss image is obtained to obtain an inconsistent fixed-loss label, which improves the efficiency of the fixed-loss work.
  • the preset number of times may be set according to actual conditions, for example, the preset number of times is 2 times.
  • the analysis module 104 further determines whether the number of inconsistencies exceeds a preset value, and if the number of inconsistencies does not exceed the preset value, the analysis The module 104 can use the consistent maximum number of fixed loss labels as the loss result of the to-be-determined loss picture as a reference for subsequent claims. If the number of inconsistencies exceeds the preset value, the analyzing module 104 marks the to-be-determined loss picture to wait for the fixed loss label to be sent again or sends the to-be-determined loss picture to the preset terminal for loss.
  • the preset value is set to 1. Assume that there are 3 fixed loss labels in the 4 images to be determined, and only 1 fixed loss label is different. Since the number of inconsistencies does not exceed the preset value, the analysis module 104 may directly use the same loss-receiving label as the loss-reduction result. Assume that there are 2 fixed loss labels in the 4 to-be-determined loss pictures, and 2 fixed loss labels are different. Since the number of inconsistencies exceeds the preset value, the to-be-determined picture needs to be marked to wait for the fixed loss label to be sent again or the to-be-determined picture is sent to the preset terminal for loss.
  • the fixed loss claim system 100 proposed by the present application first acquires a plurality of to-be-determined loss pictures; secondly, copies each of the to-be-determined loss pictures by a predetermined number of copies, and according to a preset allocation mechanism Distribute to a number of general-purpose loss-receiving personnel; in addition, receive the fixed-loss labels returned by each of the mass-determined loss-receiving members; finally, analyze whether the fixed-loss labels of the same to-be-determined loss picture are consistent according to the received fixed-loss labels, The damage loss result of each of the to-be-determined loss pictures is analyzed.
  • the fixed loss claim system 100 includes a series of computer program instructions stored in the memory 11, and when the computer program instructions are executed by the processor 12, the loss claim operation of the embodiments of the present application can be implemented. .
  • the loss claim system 100 can be divided into one or more modules based on the particular operations implemented by the various portions of the computer program instructions.
  • the loss compensation system 100 can be divided into an acquisition module 101, an allocation module 102, a receiving module 103, an analysis module 104, and a preprocessing module 105.
  • the program modules 101-104 are the same as the first embodiment of the loss claim system 100 of the present application, and the pre-processing module 105 is added thereto. among them:
  • the obtaining module 101 is configured to acquire a plurality of to-be-determined loss pictures.
  • each of the to-be-determined pictures may be a picture of an accident vehicle or a damaged picture of other insured objects.
  • the obtaining module 101 may receive the to-be-determined picture from the user terminal of the fixed loss terminal and/or the claimant.
  • the fixed loss terminal may be a fixed loss terminal device of the claim surveying personnel.
  • the user terminal of the claimant may be a device such as a mobile phone or a tablet of the claimant.
  • the obtaining module 101 may further acquire the to-be-determined picture from the background server.
  • the background server may be a server for storing a to-be-determined picture collected by an insurance company.
  • the pre-processing module 105 is configured to pre-process a plurality of to-be-determined loss pictures acquired by the obtaining module 101 to obtain a to-be-determined loss picture that conforms to a preset picture parameter.
  • the pre-processing module 105 may determine whether the picture to be determined belongs to a picture that is blurred by shooting, and if it is determined to belong to a picture that is blurred, directly remove it.
  • the pre-processing module 105 can also identify the captured object included in the image by acquiring the image feature value of the image to be determined, thereby implementing the image to be determined that the image is not consistent.
  • the pre-processing module 105 may also perform picture processing on the loss-receiving picture, for example, performing dimming processing, toning processing, rotation processing, reflection processing, tilt processing, and the like. Through the processing of the pre-processing module 105, the availability of the picture to be determined can be guaranteed from the root source, and some non-available pictures are distributed to the public.
  • the distribution module 102 is configured to copy each of the to-be-determined loss pictures by a predetermined number of copies, and distribute them to a plurality of public weight loss personnel according to a preset allocation mechanism.
  • the public rating loser can be a user of a crowdsourcing platform.
  • the to-be-determined loss picture can be sent to the crowdsourced platform account of the public rating person.
  • the mass loss controller can log in to the terminal device 1 to view the to-be-determined loss picture, and treat the loss-reduction picture for the loss-reduction labeling and return-back operation.
  • the crowdsourcing parameter corresponding to the fixed-loss task is obtained;
  • the above-mentioned crowdsourcing parameter includes but is not limited to: the validity period of the fixed-loss task (for example, when the task is valid) , that is, when the task can be accepted), the completion time of the damage task (for example, the mass loss officer must complete the completion time after the completion of the damage task, otherwise the task is invalid), reward (such as: Volkswagen
  • the rewards that the loss-receiving officer can obtain after completing the task within the specified time can be points or cash, the reward can be obtained when the task is completed or the result is adopted, and the reward budget (for example: reward for the general public) The total amount of the upper limit) and other parameters.
  • the distribution module 102 can obtain the corresponding crowdsourcing parameter according to the specific damage task.
  • the specific type of the above crowdsourcing parameter is not limited in the embodiment of the present application.
  • the crowdsourcing parameter includes, but is not limited to, an expiration date of the destructive task (for example, when the task is valid, that is, when the task can be accepted), and the completion time of the destructive task (for example, the mass loss officer) After accepting the damage task, it must be completed within the completion time, otherwise the task will be invalid.
  • the reward that the mass loss officer can obtain after completing the task within the specified time can be points or cash, and the reward can be Parameters such as when the task is completed or after the result is adopted, and the reward budget (for example, the upper limit of the total amount of rewards for each general public).
  • the terminal After obtaining the corresponding crowdsourcing parameter, determining, according to the preset first analysis rule and the preset model, the mass loss controller matching the above-mentioned vehicle loss determination task, and moving to the determined mass loss controller
  • the terminal issues a fixed loss task carrying the above crowdsourcing parameters.
  • determining the mass loss-reducing staff that matches the fixed-loss task it may be based on the specific type and specific crowdsourcing parameters corresponding to the damage-removing task, as well as the personal information of the general-ranking loss-receiving person, the historical loss data of the general-ranking loss-receiving person, etc.
  • the matching is performed to determine the corresponding mass loss maker, and the corresponding loss-removing task is sent to the mobile terminal corresponding to the determined mass-dealer (or the crowd-source account or the mailbox of the mass-dealer).
  • the allocating module 102 may copy each of the to-be-determined pictures to a preset number of copies to obtain a first preset number of to-be-determined pictures, and then the first preset number of to-be-determined losses.
  • the picture is divided into a second preset number of picture sets, and finally each of the picture sets is randomly assigned to each of the public weight loss personnel, and the second preset quantity is equal to the number of the public weight loss personnel. .
  • the same to-be-determined loss picture needs to be divided into different picture collections, so as to ensure that the same picture is not included in the multiple fixed-loss pictures received by each public rating user.
  • the acquisition module 101 acquires one hundred to-be-determined loss pictures.
  • the distribution module 102 has selected fifty public losers.
  • the four hundred to-be-determined loss pictures may be divided into fifty picture sets, wherein the same to-be-determined picture needs to be divided into different picture sets, and finally each picture set is randomly distributed to each public rating person.
  • Each public loser is assigned to a picture to be determined in a picture set.
  • the receiving module 103 is configured to receive a fixed loss label returned by each of the mass loss controllers.
  • each of the mass rating personnel performs a loss identification label for each of the to-be-determined loss pictures assigned to the user, and the receiving module 103 receives the fixed loss label returned by each of the mass loss personnel.
  • the fixed loss label corresponds to the image to be determined
  • the analysis module 104 is configured to analyze whether the fixed loss labels of the same to-be-determined loss picture are consistent according to the received fixed loss label, so as to analyze the loss loss result of each of the to-be-determined loss pictures.
  • the analysis module 104 uses the fixed-loss label as the loss-reduction result of the to-be-determined picture as a reference for subsequent claims. If the fixed loss labels of a certain to-be-determined picture are inconsistent, the analysis module 104 marks the to-be-determined loss picture to wait for the re-marking of the loss.
  • the analysis module 104 may also send the to-be-determined picture to the preset terminal (the fixed loss device of the professional loss-receiving device) to pass the professional setting. Loss of the person to make a loss.
  • the analysis module 104 determines whether the number of fixed damages of the image to be determined exceeds a preset number of times, and if the number of fixed damages of the image to be determined does not exceed For a preset number of times, the analysis module 104 marks the to-be-determined loss picture to wait for the re-marking of the loss.
  • the analyzing module 104 sends the to-be-determined picture to the preset terminal, so as to determine the loss by the professional loss-receiving member, thereby avoiding the mass loss
  • the fixed loss of a certain to-be-determined loss image is obtained to obtain an inconsistent fixed-loss label, which improves the efficiency of the fixed-loss work.
  • the preset number of times may be set according to actual conditions, for example, the preset number of times is 2 times.
  • the analysis module 104 further determines whether the number of inconsistencies exceeds a preset value, and if the number of inconsistencies does not exceed the preset value, the analysis The module 104 can use the consistent maximum number of fixed loss labels as the loss result of the to-be-determined loss picture as a reference for subsequent claims. If the number of inconsistencies exceeds the preset value, the analyzing module 104 marks the to-be-determined loss picture to wait for the fixed loss label to be sent again or sends the to-be-determined loss picture to the preset terminal for loss.
  • the preset value is set to 1. Assume that there are 3 fixed loss labels in the 4 images to be determined, and only 1 fixed loss label is different. Since the number of inconsistencies does not exceed the preset value, the analysis module 104 may directly use the same loss-receiving label as the loss-reduction result. Assume that there are 2 fixed loss labels in the 4 to-be-determined loss pictures, and 2 fixed loss labels are different. Since the number of inconsistencies exceeds the preset value, the to-be-determined loss picture needs to be marked to wait for the fixed loss label to be sent again or sent to the preset terminal for loss determination.
  • the fixed loss claim system 100 proposed by the present application first acquires a plurality of to-be-determined loss pictures; secondly, pre-processes the acquired plurality of to-be-determined loss pictures to obtain a preset image parameter.
  • the image to be determined is to be determined; further, each of the to-be-determined images is copied to a predetermined number of copies, and distributed to a plurality of publicly-disposed persons according to a preset allocation mechanism; and further, each of the mass-determining losers is received.
  • the fixed loss label is finally analyzed.
  • the present application also proposes a method of determining damages.
  • FIG. 5 it is a schematic diagram of the implementation process of the first embodiment of the method for determining damages in the present application.
  • the order of execution of the steps in the flowchart shown in FIG. 5 may be changed according to different requirements, and some steps may be omitted.
  • step S500 multiple images to be determined are acquired.
  • each of the to-be-determined pictures may be a picture of an accident vehicle or a damaged picture of other insured objects.
  • the to-be-determined picture may be received from the user terminal of the fixed loss terminal and/or the claimant.
  • the fixed loss terminal may be a fixed loss terminal device of the claim surveying personnel.
  • the user terminal of the claimant may be a device such as a mobile phone or a tablet of the claimant.
  • the to-be-determined picture may also be obtained from a background server.
  • the background server may be a server for storing a to-be-determined picture collected by an insurance company.
  • Step S502 copying each of the to-be-determined loss pictures by a preset number of copies, and distributing the number of copies to a plurality of public weight loss players according to a preset allocation mechanism.
  • the public rating loser can be a user of a crowdsourcing platform.
  • the to-be-determined loss picture may be sent to the crowdsourced platform account of the public rating person.
  • the mass loss controller can log in to the terminal device 1 to view the to-be-determined loss picture, and treat the loss-reduction picture for the loss-reduction labeling and return-back operation.
  • the crowdsourcing parameter corresponding to the fixed-loss task is obtained;
  • the above-mentioned crowdsourcing parameter includes but is not limited to: the validity period of the fixed-loss task (for example, when the task is valid) , that is, when the task can be accepted), the completion time of the damage task (for example, the mass loss officer must complete the completion time after the completion of the damage task, otherwise the task is invalid), reward (such as: Volkswagen
  • the rewards that the loss-receiving officer can obtain after completing the task within the specified time can be points or cash, the reward can be obtained when the task is completed or the result is adopted, and the reward budget (for example: reward for the general public) The total amount of the upper limit) and other parameters.
  • the corresponding crowdsourcing parameter may be obtained according to a specific damage task.
  • the specific type of the above crowdsourcing parameter is not limited in the embodiment of the present application.
  • the crowdsourcing parameter includes, but is not limited to, an expiration date of the destructive task (for example, when the task is valid, that is, when the task can be accepted), and the completion time of the destructive task (for example, the mass loss officer) After accepting the damage task, it must be completed within the completion time, otherwise the task will be invalid.
  • the reward that the mass loss officer can obtain after completing the task within the specified time can be points or cash, and the reward can be Parameters such as when the task is completed or after the result is adopted, and the reward budget (for example, the upper limit of the total amount of rewards for each general public).
  • the terminal After obtaining the corresponding crowdsourcing parameter, determining, according to the preset first analysis rule and the preset model, the mass loss controller matching the above-mentioned vehicle loss determination task, and moving to the determined mass loss controller
  • the terminal issues a fixed loss task carrying the above crowdsourcing parameters.
  • determining the mass loss-reducing staff that matches the fixed-loss task it may be based on the specific type and specific crowdsourcing parameters corresponding to the damage-removing task, as well as the personal information of the general-ranking loss-receiving person, the historical loss data of the general-ranking loss-receiving person, etc.
  • the matching is performed to determine the corresponding mass loss maker, and the corresponding loss-removing task is sent to the mobile terminal corresponding to the determined mass-dealer (or the crowd-source account or the mailbox of the mass-dealer).
  • each of the to-be-determined pictures may be copied to a preset number of copies to obtain a first preset number of to-be-determined pictures, and then the first predetermined number of to-be-determined pictures are divided into second pre-determined pictures.
  • a set of pictures is set, and each of the set of pictures is randomly assigned to each of the masses in a one-to-one correspondence, and the second preset number is equal to the number of the masses.
  • the same to-be-determined loss picture needs to be divided into different picture collections, so as to ensure that the same picture is not included in the multiple fixed-loss pictures received by each public rating user.
  • the four hundred to-be-determined loss pictures may be divided into fifty picture sets, wherein the same to-be-determined picture needs to be divided into different picture sets, and finally each picture set is randomly distributed to each public rating person.
  • Each public loser is assigned to a picture to be determined in a picture set.
  • Step S504 receiving a fixed loss label returned by each of the mass loss controllers.
  • each of the mass-dealing losers performs a loss-receiving label on the to-be-determined loss picture that is assigned to each, and then returns the mark after completing the fixed-loss label, and then can receive each of the mass-determined damages.
  • the assigned loss mark corresponds to the image to be determined
  • Step S506 analyzing whether the fixed loss labels of the same to-be-determined loss picture are consistent according to the received fixed loss label, so as to analyze the damage loss result of each of the to-be-determined loss pictures.
  • the fixed-loss label is used as a loss-reduction result of the to-be-determined picture as a reference for subsequent claims. If the fixed loss labels of a to-be-determined image are inconsistent, the image to be determined may be marked to wait for the re-marking.
  • the to-be-determined picture may be sent to the preset terminal (the fixed loss device of the professional loss-receiving device) to perform the loss determination by the professional loss-receiving member. .
  • the fixed loss labels of the image to be determined are inconsistent, it is determined whether the number of fixed damages of the image to be determined exceeds a preset number of times, and if the number of fixed damages of the image to be determined does not exceed the preset number of times, The image to be determined is marked to wait for the loss identification to be made again. If the number of fixed damages of the to-be-determined picture exceeds the preset number of times, the to-be-determined loss picture is sent to the preset terminal to perform a fixed loss by the professional loss-receiving member, thereby preventing the mass-determining person from repeatedly determining a certain pending Loss of the image to determine the loss to produce inconsistent fixed loss labels, improve the efficiency of the damage.
  • the preset number of times may be set according to actual conditions, for example, the preset number of times is 2 times.
  • the fixed loss labels of a certain to-be-determined picture may further determine whether the number of inconsistencies exceeds a preset value, and if the number of inconsistencies does not exceed the preset value, the number of identical numbers is determined to be the most The loss label is used as the loss result of the image to be determined as a reference for subsequent claims. If the number of inconsistencies exceeds the preset value, the to-be-determined loss picture is marked to wait for the fixed loss label to be sent again or the to-be-determined loss picture is sent to the preset terminal for loss determination.
  • the preset value is set to 1. Assume that there are 3 fixed loss labels in the 4 to-be-determined loss pictures, and only one fixed loss label is different. Since the number of inconsistencies does not exceed the preset value, three pieces of the same loss-receiving label can be directly used as the loss-reduction result of the to-be-determined loss picture. Assume that there are 2 fixed loss labels in the 4 to-be-determined loss pictures, and 2 fixed loss labels are different. Since the number of inconsistencies exceeds the preset value, the to-be-determined loss picture needs to be marked to wait for the fixed loss label to be sent again or sent to the preset terminal for loss determination.
  • the fixed loss claim method proposed by the present application firstly acquires a plurality of to-be-determined loss pictures; secondly, copies each of the to-be-determined loss pictures by a predetermined number of copies, and distributes them according to a preset allocation mechanism.
  • a plurality of general-purpose loss-receiving personnel further, receiving a fixed-loss label returned by each of the mass-determining loss-receiving members; finally, analyzing whether the fixed-loss labels of the same to-be-determined loss picture are consistent according to the received fixed-loss labeling, to analyze The result of the loss of each of the to-be-determined pictures.
  • FIG. 6 it is a schematic diagram of the implementation process of the second embodiment of the method for determining damages in the present application.
  • the order of execution of the steps in the flowchart shown in FIG. 6 may be changed according to different requirements, and some steps may be omitted.
  • Step S600 acquiring a plurality of to-be-determined loss pictures.
  • each of the to-be-determined pictures may be a picture of an accident vehicle or a damaged picture of other insured objects.
  • the to-be-determined picture may be received from the user terminal of the fixed loss terminal and/or the claimant.
  • the fixed loss terminal may be a fixed loss terminal device of the claim surveying personnel.
  • the user terminal of the claimant may be a device such as a mobile phone or a tablet of the claimant.
  • the to-be-determined picture may also be obtained from a background server.
  • the background server may be a server for storing a to-be-determined picture collected by an insurance company.
  • Step S602 Perform pre-processing on the acquired plurality of to-be-determined loss pictures to obtain a to-be-determined loss picture that conforms to the preset picture parameter.
  • the included object is used to realize the image to be determined that does not match the graphic image; the image can be processed by the fixed loss image, for example, dimming processing, color correction processing, rotation processing, reflection processing, tilt processing, and the like. After the pre-processing step, the availability of the picture to be determined can be guaranteed from the root source, and some non-available pictures are distributed to the public.
  • Step S604 copying each of the to-be-determined loss pictures into a preset number of copies, and distributing the number of copies to a plurality of public rating persons according to a preset allocation mechanism.
  • the public rating loser can be a user of a crowdsourcing platform.
  • the to-be-determined loss picture may be sent to the crowdsourced platform account of the public rating person.
  • the mass loss controller can log in to the terminal device 1 to view the to-be-determined loss picture, and treat the loss-reduction picture for the loss-reduction labeling and return-back operation.
  • the crowdsourcing parameter corresponding to the fixed-loss task is obtained;
  • the above-mentioned crowdsourcing parameter includes but is not limited to: the validity period of the fixed-loss task (for example, when the task is valid) , that is, when the task can be accepted), the completion time of the damage task (for example, the mass loss officer must complete the completion time after the completion of the damage task, otherwise the task is invalid), reward (such as: Volkswagen
  • the rewards that the loss-receiving officer can obtain after completing the task within the specified time can be points or cash, the reward can be obtained when the task is completed or the result is adopted, and the reward budget (for example: reward for the general public) The total amount of the upper limit) and other parameters.
  • the corresponding crowdsourcing parameter may be obtained according to a specific damage task.
  • the specific type of the above crowdsourcing parameter is not limited in the embodiment of the present application.
  • the crowdsourcing parameter includes, but is not limited to, an expiration date of the destructive task (for example, when the task is valid, that is, when the task can be accepted), and the completion time of the destructive task (for example, the mass loss officer) After accepting the damage task, it must be completed within the completion time, otherwise the task will be invalid.
  • the reward that the mass loss officer can obtain after completing the task within the specified time can be points or cash, and the reward can be Parameters such as when the task is completed or after the result is adopted, and the reward budget (for example, the upper limit of the total amount of rewards for each general public).
  • the terminal After obtaining the corresponding crowdsourcing parameter, determining, according to the preset first analysis rule and the preset model, the mass loss controller matching the above-mentioned vehicle loss determination task, and moving to the determined mass loss controller
  • the terminal issues a fixed loss task carrying the above crowdsourcing parameters.
  • determining the mass loss-reducing staff that matches the fixed-loss task it may be based on the specific type and specific crowdsourcing parameters corresponding to the damage-removing task, as well as the personal information of the general-ranking loss-receiving person, the historical loss data of the general-ranking loss-receiving person, etc.
  • the matching is performed to determine the corresponding mass loss maker, and the corresponding loss-removing task is sent to the mobile terminal corresponding to the determined mass-dealer (or the crowd-source account or the mailbox of the mass-dealer).
  • each of the to-be-determined pictures may be copied to a preset number of copies to obtain a first preset number of to-be-determined pictures, and then the first predetermined number of to-be-determined pictures are divided into second pre-determined pictures.
  • a set of pictures is set, and each of the set of pictures is randomly assigned to each of the masses in a one-to-one correspondence, and the second preset number is equal to the number of the masses.
  • the same to-be-determined loss picture needs to be divided into different picture collections, so as to ensure that the same picture is not included in the multiple fixed-loss pictures received by each public rating user.
  • the four hundred to-be-determined loss pictures may be divided into fifty picture sets, wherein the same to-be-determined picture needs to be divided into different picture sets, and finally each picture set is randomly distributed to each public rating person.
  • Each public loser is assigned to a picture to be determined in a picture set.
  • Step S606 receiving a fixed loss label returned by each of the mass loss controllers.
  • each of the mass-dealing losers performs a loss-receiving label on the to-be-determined loss picture that is assigned to each, and then returns the mark after completing the fixed-loss label, and then can receive each of the mass-determined damages.
  • the assigned loss mark corresponds to the image to be determined
  • Step S608 Analyze whether the fixed loss labels of the same to-be-determined loss picture are consistent according to the received fixed loss label, so as to analyze the damage loss result of each of the to-be-determined loss pictures.
  • the fixed-loss label is used as a loss-reduction result of the to-be-determined picture as a reference for subsequent claims. If the fixed loss labels of a to-be-determined image are inconsistent, the image to be determined may be marked to wait for the re-marking.
  • the to-be-determined picture may be sent to the preset terminal (the fixed loss device of the professional loss-receiving device) to perform the loss determination by the professional loss-receiving member. .
  • the fixed loss labels of the image to be determined are inconsistent, it is determined whether the number of fixed damages of the image to be determined exceeds a preset number of times, and if the number of fixed damages of the image to be determined does not exceed the preset number of times, The image to be determined is marked to wait for the loss identification to be made again. If the number of fixed damages of the to-be-determined picture exceeds the preset number of times, the to-be-determined loss picture is sent to the preset terminal to perform a fixed loss by the professional loss-receiving member, thereby preventing the mass-determining person from repeatedly determining a certain pending Loss of the image to determine the loss to produce inconsistent fixed loss labels, improve the efficiency of the damage.
  • the preset number of times may be set according to actual conditions, for example, the preset number of times is 2 times.
  • the fixed loss labels of a certain to-be-determined picture may further determine whether the number of inconsistencies exceeds a preset value, and if the number of inconsistencies does not exceed the preset value, the number of identical numbers is determined to be the most The loss label is used as the loss result of the image to be determined as a reference for subsequent claims. If the number of inconsistencies exceeds the preset value, the to-be-determined loss picture is marked to wait for the fixed loss label to be sent again or the to-be-determined loss picture is sent to the preset terminal for loss determination.
  • the preset value is set to 1. Assume that there are 3 fixed loss labels in the 4 images to be determined, and only 1 fixed loss label is different. Since the number of inconsistencies does not exceed the preset value, three pieces of the same loss-receiving label can be directly used as the loss-reduction result of the to-be-determined loss picture. Assume that there are 2 fixed loss labels in the 4 to-be-determined loss pictures, and 2 fixed loss labels are different. Since the number of inconsistencies exceeds the preset value, the to-be-determined loss picture needs to be marked to wait for the fixed loss label to be sent again or sent to the preset terminal for loss determination.
  • the fixed loss claim method proposed by the present application firstly acquires a plurality of to-be-determined loss pictures; secondly, pre-processes the acquired plurality of to-be-determined loss pictures to obtain a to-be-determined loss that conforms to the preset picture parameters.
  • each of the to-be-determined loss pictures is copied to a predetermined number of copies, and distributed to a plurality of general-purpose loss-receiving members according to a preset allocation mechanism; and further, each of the general-purpose loss-receiving members is returned.
  • the damage is marked; finally, according to the received fixed loss label, whether the fixed loss labels of the same to-be-determined loss image are consistent, so as to analyze the damage loss result of each of the to-be-determined loss pictures.
  • it is possible to distribute the image to be determined in a crowd-conserved manner, which can achieve the limitation of breaking the professional damage at a lower cost, allowing more people to participate in the damage process, and at the same time, the same image to be determined is distributed.
  • Cross-validation for different people, and finally collecting the summary loss results can alleviate the work intensity of the professional loss, and can improve the accuracy of the damage identification.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.

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Abstract

La présente invention concerne un procédé de liquidation de sinistre sur pertes fixes, comprenant les étapes consistant à : acquérir une pluralité d'images en attente présentant les pertes fixes; effectuer un nombre prédéfini de copies de chacune des images en attente présentant les pertes fixes; et les distribuer à une pluralité d'inspecteurs traitant les pertes fixes et totales selon un mécanisme de distribution prédéfini; recevoir une annotation sur les pertes fixes renvoyée par chacun des inspecteurs traitant les pertes fixes et totales; et, sur la base des annotations sur les pertes fixes reçues, analyser si les annotations sur les pertes fixes de la même image en attente présentant les pertes fixes sont cohérentes, afin d'analyser le résultat des pertes fixes pour chaque image en attente présentant les pertes fixes. La présente invention concerne également un serveur d'applications et un support de stockage lisible par ordinateur. Le procédé de liquidation de sinistre sur pertes fixes, le serveur d'application et le support de stockage lisible par ordinateur proposés dans la présente invention peuvent distribuer des images en attente présentant les pertes fixes en utilisant un format d'externalisation ouverte, et peuvent procéder à une détermination des pertes fixes à un coût relativement bas, atténuant la charge de travail des inspecteurs professionnels traitant les pertes fixes, et améliorant la précision d'identification des pertes fixes.
PCT/CN2018/089883 2018-01-11 2018-06-05 Procédé de liquidation de sinistre sur pertes fixes, serveur et support de stockage lisible par ordinateur WO2019136915A1 (fr)

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