WO2020019500A1 - 车辆、车险防欺诈预警及存储介质 - Google Patents

车辆、车险防欺诈预警及存储介质 Download PDF

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Publication number
WO2020019500A1
WO2020019500A1 PCT/CN2018/108217 CN2018108217W WO2020019500A1 WO 2020019500 A1 WO2020019500 A1 WO 2020019500A1 CN 2018108217 W CN2018108217 W CN 2018108217W WO 2020019500 A1 WO2020019500 A1 WO 2020019500A1
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Prior art keywords
vehicle
sound
driver
driving
electric transducer
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PCT/CN2018/108217
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English (en)
French (fr)
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吴壮伟
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平安科技（深圳）有限公司
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    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W40/00—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models
    • B60W40/08—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models related to drivers or passengers
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W40/00—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models
    • B60W40/08—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models related to drivers or passengers
    • B60W40/09—Driving style or behaviour
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W40/00—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models
    • B60W40/08—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models related to drivers or passengers
    • B60W2040/0809—Driver authorisation; Driver identity check
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W2520/00—Input parameters relating to overall vehicle dynamics
    • B60W2520/10—Longitudinal speed
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W2520/00—Input parameters relating to overall vehicle dynamics
    • B60W2520/10—Longitudinal speed
    • B60W2520/105—Longitudinal acceleration
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W2540/00—Input parameters relating to occupants
    • B60W2540/043—Identity of occupants
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W2540/00—Input parameters relating to occupants
    • B60W2540/21—Voice
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W2554/00—Input parameters relating to objects
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
    • B60W2756/00—Output or target parameters relating to data
    • B60W2756/10—Involving external transmission of data to or from the vehicle

Definitions

  • the present application relates to the field of automobile insurance fraud prevention, and in particular, to a vehicle, an automobile insurance fraud prevention early warning method, and a storage medium.
  • the present application proposes a vehicle, automobile insurance fraud prevention early warning method and storage medium, which can improve the efficiency and accuracy of automobile insurance fraud prevention early warning.
  • the present application proposes a vehicle including a memory and a processor connected to the memory, where the processor is configured to execute a car insurance fraud prevention early warning program stored on the memory, where When the car insurance fraud prevention early warning program is executed by the processor, the following steps are implemented:
  • A1 Obtain the vehicle driving speed data and road condition information collected by the driving recorder inside the vehicle, analyze the speed data and the road condition information to determine the driving state of the vehicle, and if it is determined that the vehicle is in a dangerous driving state, send the The sound acquisition system pre-installed in the vehicle sends instructions to collect sound signals of the driver's position and direction;
  • A2 Receive a sound signal output by the sound collection system in response to the instruction
  • A3 Perform voice recognition on the received voice signal according to the pre-trained voiceprint recognition model, and obtain the identification information of the person corresponding to the voice signal;
  • A4 If the identified identification information does not match the predetermined identification information of the driver of the vehicle, determine that the current driver of the vehicle is not a predetermined driver, issue a safe driving warning, and report to the driver.
  • a predetermined terminal sends a warning message of automobile insurance fraud warning.
  • the present application also proposes a car insurance fraud prevention early warning method, which includes the following steps:
  • a predetermined terminal sends a warning message of automobile insurance fraud warning.
  • this application also proposes a car insurance fraud prevention early warning system, the system includes:
  • a receiving module 202 configured to receive a sound signal output by the sound collection system in response to the instruction
  • a recognition module 203 configured to perform voice recognition on a received voice signal according to a pre-trained voiceprint recognition model, and obtain identification information of a person corresponding to the voice signal;
  • An early warning module 204 is configured to determine if the identified identification information of the driver of the vehicle does not match the identification information of the driver of the vehicle that is determined in advance, and determine that the driver of the vehicle this time is not a predetermined driver; , And send a car insurance fraud warning prompt message to a predetermined terminal.
  • the present application also proposes a computer-readable storage medium storing a car insurance fraud prevention early warning program, which can be executed by at least one processor to The at least one processor is caused to execute the steps of the automobile insurance fraud prevention early warning method as described above.
  • the vehicle, the car insurance fraud prevention early warning method and the storage medium proposed in this application first send a data collection system for collecting the driver ’s position to a sound acquisition system pre-installed in the vehicle after determining that the vehicle is in a dangerous driving state.
  • An instruction of a sound signal ; receiving a sound signal output by the sound collection system; performing sound recognition on the received sound signal according to a pre-trained voiceprint recognition model, and obtaining identification information of a person corresponding to the sound signal;
  • the identified information does not match the pre-stored identification information of the driver of the vehicle, then it is determined that the current driving of the vehicle is not a predetermined driver, a warning for safe driving is issued, and a predetermined terminal is issued
  • Send warning alerts for auto insurance fraud Not only can the probability of fraud protection be effectively reduced, but also security warning can be performed.
  • FIG. 1 is a schematic diagram of an optional hardware architecture of a vehicle proposed by the present application.
  • FIG. 2 is a schematic diagram of a car insurance fraud prevention early warning program module in an embodiment of the vehicle of the present application
  • FIG. 3 is an implementation flowchart of a preferred embodiment of an automobile insurance fraud prevention early warning method of the present application
  • FIG. 4 is a schematic diagram of functional modules of a preferred embodiment of a sound collection system.
  • FIG. 1 is a schematic diagram of an optional hardware architecture of a vehicle proposed by the present application.
  • the vehicle 10 may include, but is not limited to, a memory 11, a processor 12, and a network interface 13 which may communicate with each other through a communication bus 14.
  • FIG. 1 only shows a vehicle 10 having components 11-14, but it should be understood that it is not required to implement all the illustrated components, and more or fewer components may be implemented instead.
  • the memory 11 includes at least one type of computer-readable storage medium.
  • the computer-readable storage medium includes a flash memory, a hard disk, a multimedia card, a card-type memory (for example, SD or DX memory, etc.), a random access memory (RAM), and a static memory.
  • the memory 11 may be an internal storage unit of the vehicle 10, such as a hard disk or a memory of the vehicle 10.
  • the memory 11 may also be an outsourced storage device of the vehicle 10, such as a plug-in hard disk, a Smart Media Card (SMC), and a Secure Digital (SD) card provided on the vehicle 10. , Flash card (Flash card) and so on.
  • the memory 11 may also include both the internal storage unit of the vehicle 10 and its external storage device.
  • the memory 11 is generally used to store an operating system and various application software installed in the vehicle 10, such as a car insurance fraud prevention early warning program.
  • the memory 11 can also be used to temporarily store various types of data that have been output or will be output.
  • the processor 12 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip in some embodiments.
  • the processor 12 is typically used to control the overall operation of the vehicle 10.
  • the processor 12 is configured to run program code or process data stored in the memory 11, such as a running car insurance fraud prevention early warning program.
  • the network interface 13 may include a wireless network interface or a wired network interface.
  • the network interface 13 is generally used to establish a communication connection between the vehicle 10 and other electronic devices.
  • the communication bus 14 is used to implement a communication connection between the components 11-13.
  • FIG. 1 only shows a vehicle 10 having components 11-14 and a car insurance fraud prevention warning program, but it should be understood that it is not required to implement all the illustrated components, and more or fewer components may be implemented instead.
  • the vehicle 10 may further include a user interface (not shown in FIG. 1).
  • the user interface may include a display, an input unit such as a keyboard, and the user interface may further include a standard wired interface, a wireless interface, and the like.
  • the display may be an LED display, a liquid crystal display, a touch-type liquid crystal display, an OLED touch device, or the like. Further, the display may also be referred to as a display screen or a display unit for displaying information processed in the vehicle 10 and a user interface for displaying visualization.
  • the vehicle 10 may further include an audio unit (the audio unit is not shown in FIG. 1), and the audio unit may be in the vehicle 10 in a call signal receiving mode, a call mode, a recording mode, a voice recognition mode, In the broadcast receiving mode and the like, the received or stored audio data is converted into audio signals.
  • the vehicle 10 may further include an audio output unit, and the audio output unit outputs the audio signal converted by the audio unit, and the audio output unit Audio output (such as call signal reception sound, message reception sound, etc.) related to a specific function performed by the vehicle 10 may also be provided, and the audio output unit may include a speaker, a buzzer, and the like.
  • the vehicle 10 may further include an alarm unit (not shown in the figure), and the alarm unit may provide an output to notify the vehicle 10 of the occurrence of the event.
  • Typical events may include call reception, message reception, key signal input, touch input, and so on.
  • the alarm unit can provide output in different ways to notify the occurrence of an event.
  • the alarm unit may provide an output in the form of a vibration, and when a call, message, or some other may cause the vehicle 10 to enter the communication mode, the alarm unit may provide a tactile output (ie, vibration) to notify the user.
  • A100 Obtain vehicle driving speed data and road condition information collected by a driving recorder inside the vehicle, analyze the speed data and the road condition information to determine a driving state of the vehicle, and if it is determined that the vehicle is in a dangerous driving state, send the The sound acquisition system pre-installed in the vehicle sends instructions to collect sound signals of the driver's position and direction;
  • speed data such as real-time acceleration, speed, angle, and angular velocity of the vehicle in the moving direction and road subgrades, pavements, road surrounding buildings, etc.
  • the situation for example, the type of roadbed, the degree of potholes on the road surface, the height of buildings around the road, etc.
  • the situation can also include the road traffic conditions within the driving range of the vehicle, for example, the intensive situation of vehicles driving on the road, the intensive flow of people, Information such as the degree of traffic congestion, and determine whether the vehicle is in a dangerous driving state according to the current road safety driving rules.
  • the current road safety driving rules are not limited to, pre-stored data is retrieved from predetermined data.
  • the dangerous driving state may be, for example, speeding, overtaking in violation of regulations, one-way line retrograde, large trains on the road, or non-common buses driving into bus lanes. Further, after determining that the vehicle is in a dangerous driving state, sending a sound collection instruction to the sound collection system.
  • the sound collection system needs to first direct the direction of the sound source, and when the sound source direction is determined to be the preset driver's position direction, the sound is performed. Sound acquisition in the direction of the source.
  • the sound collection system 40 includes a first two-way acoustic-electric transducer 401, a second two-way acoustic-electric transducer 402, and a sound analysis module 403;
  • the transducer has a fixed angle with the second two-way acoustic-electric transducer and is installed at a central position inside the vehicle; the first two-way acoustic-electric transducer and the second two-way acoustic-electric transducer
  • the sound signals from the sound source to be oriented in the vehicle are collected separately and recorded as the first sound signal and the second sound signal; in this embodiment, the sound source to be oriented is the driver's position and direction.
  • the sound analysis module first obtains an included angle between the first two-way acoustic-electric transducer and the second two-way acoustic-electric transducer; according to the first sound signal, the second sound signal, the included angle, and the A linear function is determined by a preset angle set at a preset interval, and the signal energy output when each preset angle is rotated using a straight line where a two-way acoustic-electric transducer is located as a reference line is determined according to the linear function; according to the signal at each preset angle The energy determines the azimuth of the sound source to be oriented.
  • the directivity of the two-way acoustic-electric transducer is a figure-eight.
  • This directional acoustic-electric transducer is most sensitive in the forward and reverse directions, that is, the most sensitive in the axial direction, and two perpendicular to the forward and reverse directions.
  • the two directions are the least sensitive, that is, the sound signals cannot be collected in two directions where a straight line perpendicular to the axial line lies.
  • the two-way acoustic-electric transducer cannot distinguish between forward or reverse sound signals. Therefore, in the specific implementation process, the orientation between 0 and 180 degrees can be achieved by two two-way acoustic-electric transducers that form an included angle with each other.
  • the straight line where the controller is located is used as a reference straight line to output the signal energy when each preset angle is rotated.
  • the preset interval is a small angle, and the preset interval is related to the accuracy to be achieved by the orientation, such as 5 degrees or 3 degrees.
  • the linear coefficient of the linear function is determined according to the included angle and a preset angle set at a preset interval.
  • the linear function is a linear function regarding the first sound signal and the second sound signal. According to the linear function, a sound signal output when each of the preset angles is rotated with the straight line where the first two-way acoustic-electric transducer is located as a reference is determined first, and then the signal energy corresponding to the sound signal is determined according to the sound signal.
  • the signal energy corresponding to the first sound signal and the second sound signal may also be calculated first and recorded as the first signal energy and the second signal energy;
  • the linear function is a linear function regarding the first signal energy and the second signal energy; According to the linear function, the signal energy output when each of the preset angles is rotated by using the straight line where the first two-way acoustic-electric transducer is located as a reference straight line is determined.
  • the first sound signal and the second sound signal in multiple time periods may be acquired, and the signal energy corresponding to the first sound signal is an average value of the signal energy of the first sound signal in multiple time periods; the second sound signal corresponds to The signal energy of is the average value of the signal energy of the second sound signal for multiple time periods.
  • the average value here can also be replaced by the root mean square.
  • an azimuth angle at which the sound source to be oriented is located is determined according to signal energy at each of the preset angles. Specifically, according to the magnitude of the signal energy at each of the preset angles, an azimuth angle where the sound source to be oriented is located may be determined. Because the two-way acoustic-electric transducer cannot receive sound signals in a direction perpendicular to the axial direction, it can be determined that the preset angle with the smallest signal energy is the azimuth angle of the sound source to be oriented minus or plus 90 degrees, and The azimuth angle is between 0 and 180 degrees.
  • a threshold can be set. When the signal energy is equal to this threshold, the azimuth angle of the pending sound source is determined. Subtract or add 90 degrees to the preset angle corresponding to the signal energy, and the azimuth angle is between 0 and 180 degrees.
  • the sound acquisition system of the present application only needs to obtain the first two-way acoustic-electric transducer and the second two-way acoustic-electric transducer to acquire the sound source to be oriented when determining the position direction of the driver.
  • the emitted sound signals are recorded as a first sound signal and a second sound signal, respectively; the angle between the first two-way sound and electric transducer and the second two-way sound and electric transducer is obtained;
  • a linear function is determined for the first sound signal, the second sound signal, the included angle, and a preset angle set at a preset interval, and a two-way acoustic-electric transducer is determined based on the linear function.
  • the straight line is used as a reference straight line to output the signal energy of each of the preset angles.
  • the azimuth angle of the sound source to be oriented is determined according to the signal energy of each of the preset angles.
  • the sound source to be oriented is a preset driver position direction
  • a sound signal in the position direction is collected and sent.
  • A200 Receive a sound signal output by the sound collection system in response to the instruction.
  • A300 Perform voice recognition on the received voice signal according to a pre-trained voiceprint recognition model, and obtain identification information of a person corresponding to the voice signal;
  • the pre-trained voiceprint recognition model is a neural network model.
  • A400 If the identified identification information does not match the predetermined identification information of the driver of the vehicle, determine that the current driver of the vehicle is not a predetermined driver, issue a safe driving warning, and report to the driver.
  • a predetermined terminal sends a warning message of automobile insurance fraud warning.
  • the identified identification information matches the identification information of the driver of the vehicle that is determined in advance, it is determined that the driver of the vehicle this time is a predetermined driver, and the driver is issued to drive safely Early warning.
  • the vehicle proposed by the present application first sends an instruction to collect a sound signal of a driver's position direction to a sound acquisition system pre-installed in the vehicle after determining that the vehicle is in a dangerous driving state; receiving the sound collection The system outputs the sound signal after responding to the instruction; performs sound recognition on the received sound signal according to the pre-trained voiceprint recognition model, and obtains the identification information of the person corresponding to the sound signal; if the identified identification information is related to If the pre-stored identification information of the driver of the vehicle does not match, it is determined that the current driving of the vehicle is not a predetermined driver, and a safe driving warning is issued, and a car insurance fraud warning prompt message is sent to a predetermined terminal. Not only can the probability of fraud protection be effectively reduced, but also security warning can be performed.
  • FIG. 2 is a schematic diagram of a program module of an automobile insurance fraud prevention early warning program in an embodiment of the vehicle of the present application.
  • the automobile insurance fraud prevention early warning program can be divided into a sending module 201, a receiving module 202, an identification module 203, and an early warning module 204 according to different functions implemented by its various parts.
  • the program module referred to in the present application refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable for describing the execution process of the automobile insurance fraud prevention early warning program in the vehicle 10 than the program.
  • the functions or operation steps implemented by the modules 201-204 are similar to the above, which will not be described in detail here.
  • the sending module 201 is configured to obtain vehicle driving speed data and road condition information collected by a driving recorder inside the vehicle, analyze the speed data and the road condition information to determine a driving state of the vehicle, and if it is determined that the vehicle is in a dangerous driving state, Send an instruction to collect a sound signal of the driver's position and direction to a sound collection system pre-installed in the vehicle;
  • the receiving module 202 is configured to receive a sound signal output by the sound collection system in response to the instruction;
  • the recognition module 203 is configured to perform sound recognition on a received sound signal according to a pre-trained voiceprint recognition model, and obtain identification information of a person corresponding to the sound signal;
  • the early warning module 204 is configured to, if the identified identification information does not match the predetermined identification information of the driver of the vehicle, determine that the current driver of the vehicle is not a predetermined driver, and warn the vehicle safely, And send warning alert information of car insurance fraud to a predetermined terminal.
  • the car insurance fraud prevention early warning method includes the following steps:
  • S100 Obtain vehicle driving speed data and road condition information collected by a driving recorder inside the vehicle, analyze the speed data and the road condition information to determine a driving state of the vehicle, and if it is determined that the vehicle is in a dangerous driving state, send the The sound acquisition system pre-installed in the vehicle sends instructions to collect sound signals of the driver's position and direction;
  • speed data such as real-time acceleration, speed, angle, and angular velocity of the vehicle in the moving direction and road subgrades, pavements, road surrounding buildings, etc.
  • the situation for example, the type of roadbed, the degree of potholes on the road surface, the height of buildings around the road, etc.
  • the situation can also include the road traffic conditions within the driving range of the vehicle, for example, the intensive situation of vehicles driving on the road, the intensive flow of people, the road Information such as the degree of traffic congestion, and determine whether the vehicle is in a dangerous driving state according to the current road safety driving rules.
  • the current road safety driving rules are not limited to, pre-stored data is retrieved from predetermined data.
  • the dangerous driving state may be, for example, speeding, overtaking in violation of regulations, one-way line retrograde, large trains on the road, or non-common buses driving into bus lanes. Further, after determining that the vehicle is in a dangerous driving state, sending a sound collection instruction to the sound collection system.
  • the sound collection system needs to first direct the direction of the sound source, and when the sound source direction is determined to be the preset driver's position direction, the sound is performed. Sound acquisition in the direction of the source.
  • the sound collection system 40 includes a first two-way acoustic-electric transducer 401, a second two-way acoustic-electric transducer 402, and a sound analysis module 403;
  • the transducer has a fixed angle with the second two-way acoustic-electric transducer and is installed at a central position inside the vehicle; the first two-way acoustic-electric transducer and the second two-way acoustic-electric transducer
  • the sound signals from the sound source to be oriented in the vehicle are collected separately and recorded as the first sound signal and the second sound signal; in this embodiment, the sound source to be oriented is the driver's position and direction.
  • the sound analysis module first obtains an included angle between the first two-way acoustic-electric transducer and the second two-way acoustic-electric transducer; according to the first sound signal, the second sound signal, the included angle, and the A linear function is determined by a preset angle set at a preset interval, and the signal energy output when each preset angle is rotated using a straight line where a two-way acoustic-electric transducer is located as a reference line is determined according to the linear function; according to the signal at each preset angle The energy determines the azimuth of the sound source to be oriented.
  • the directivity of the two-way acoustic-electric transducer is a figure-eight.
  • This directional acoustic-electric transducer is most sensitive in the forward and reverse directions, that is, the most sensitive in the axial direction, and two perpendicular to the forward and reverse directions.
  • the two directions are the least sensitive, that is, the sound signals cannot be collected in two directions where a straight line perpendicular to the axial line lies.
  • the two-way acoustic-electric transducer cannot distinguish between forward or reverse sound signals. Therefore, in the specific implementation process, the orientation between 0 and 180 degrees can be achieved by two two-way acoustic-electric transducers that form an included angle with each other.
  • the straight line where the controller is located is used as a reference straight line to output the signal energy when each preset angle is rotated.
  • the preset interval is a small angle, and the preset interval is related to the accuracy to be achieved by the orientation, such as 5 degrees or 3 degrees.
  • the linear coefficient of the linear function is determined according to the included angle and a preset angle set at a preset interval.
  • the linear function is a linear function regarding the first sound signal and the second sound signal. According to the linear function, a sound signal output when each of the preset angles is rotated using the straight line where the first two-way acoustic-electric transducer is located as a reference is determined, and then the signal energy corresponding to the sound signal is determined according to the sound signal.
  • the signal energy corresponding to the first sound signal and the second sound signal may also be calculated first and recorded as the first signal energy and the second signal energy;
  • the linear function is a linear function regarding the first signal energy and the second signal energy; According to the linear function, the signal energy output when each of the preset angles is rotated by using the straight line where the first two-way acoustic-electric transducer is located as a reference straight line is determined.
  • the first sound signal and the second sound signal in multiple time periods may be acquired, and the signal energy corresponding to the first sound signal is an average value of the signal energy of the first sound signal in multiple time periods; the second sound signal corresponds to The signal energy of is the average value of the signal energy of the second sound signal for multiple time periods.
  • the average value here can also be replaced by the root mean square.
  • an azimuth angle at which the sound source to be oriented is located is determined according to signal energy at each of the preset angles. Specifically, according to the magnitude of the signal energy at each of the preset angles, an azimuth angle where the sound source to be oriented is located may be determined. Because the two-way acoustic-electric transducer cannot receive sound signals in a direction perpendicular to the axial direction, it can be determined that the preset angle with the smallest signal energy is the azimuth angle of the sound source to be oriented minus or plus 90 degrees, and The azimuth angle is between 0 and 180 degrees.
  • a threshold can be set. When the signal energy is equal to this threshold, the azimuth angle of the pending sound source is determined. Subtract or add 90 degrees to the preset angle corresponding to the signal energy, and the azimuth angle is between 0 and 180 degrees.
  • the sound acquisition system of the present application only needs to obtain the first two-way acoustic-electric transducer and the second two-way acoustic-electric transducer to acquire the sound source to be oriented when determining the position direction of the driver.
  • the emitted sound signals are recorded as a first sound signal and a second sound signal, respectively; the angle between the first two-way sound and electric transducer and the second two-way sound and electric transducer is obtained;
  • a linear function is determined for the first sound signal, the second sound signal, the included angle, and a preset angle set at a preset interval, and a two-way acoustic-electric transducer is determined based on the linear function.
  • the straight line is used as a reference straight line to output the signal energy of each of the preset angles.
  • the azimuth angle of the sound source to be oriented is determined according to the signal energy of each of the preset angles.
  • the sound source to be oriented is a preset driver position direction
  • a sound signal in the position direction is collected and sent.
  • S300 Perform voice recognition on the received voice signal according to a pre-trained voiceprint recognition model, and obtain identification information of a person corresponding to the voice signal;
  • the pre-trained voiceprint recognition model is a neural network model.
  • the identified identification information does not match the identification information of the driver of the vehicle that is determined in advance, determine that the current driver of the vehicle is not a predetermined driver, issue a warning of safe driving, and send a warning to the driver.
  • a predetermined terminal sends a warning message of automobile insurance fraud warning.
  • the identified identification information matches the identification information of the driver of the vehicle that is determined in advance, it is determined that the driver of the vehicle this time is a predetermined driver, and the driver is issued to drive safely Early warning.
  • the automobile insurance fraud prevention early warning method proposed in this application first sends an instruction to collect a sound signal of a driver's position direction to a sound acquisition system installed in the vehicle after determining that the vehicle is in a dangerous driving state; receiving The sound acquisition system outputs a sound signal after responding to the instruction; performs sound recognition on the received sound signal according to a pre-trained voiceprint recognition model, and obtains identification information of the person corresponding to the sound signal; if identified If the identification information does not match the stored identification information of the driver of the vehicle in advance, it is determined that the driver of the vehicle is not a predetermined driver, a warning for safe driving is issued, and a car insurance is sent to a predetermined terminal Fraud alert alert information.
  • this application also proposes a computer-readable storage medium, where the computer-readable storage medium stores a car insurance fraud prevention early warning program, and the car insurance fraud prevention early warning program is implemented by a processor to implement the following operations:
  • the pre-installed sound collection system sends instructions to collect sound signals from the driver's position and direction;
  • the terminal sends a warning message of automobile insurance fraud warning.
  • the methods in the above embodiments can be implemented by means of software plus a necessary universal hardware platform, and of course, also by hardware, but in many cases the former is better.
  • Implementation Based on such an understanding, the technical solution of this application that is essentially or contributes to the existing technology can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, The optical disc) includes several 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 execute the methods described in the embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

一种车辆、车险防欺诈预警方法及存储介质，首先在确定车辆处于危险行驶状态后，向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令(S100)；接收所述声音采集系统响应该指令之后输出的声音信号(S200)；根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份标识信息(S300)；若识别出的身份标识信息与预先存储的该车辆的驾驶员的身份标识信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息(S400)。上述方法不仅能够有效降低骗保的概率，且能够进行安全预警。

Description

车辆、车险防欺诈预警及存储介质
本申请要求于2018年7月27日提交中国专利局、申请号为201810847672.4，发明名称为“电子装置、车险防欺诈预警方法及存储介质”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
本申请涉及车险防欺诈领域，尤其涉及一种车辆、车险防欺诈预警方法及存储介质。
背景技术
随着人们生活水平的提高，机动车辆变得越来越普及，伴随着发生交通事故的概率开始增长，一旦有交通事故发生，就需要保险公司进行相应的赔偿。而保险公司通常仅仅根据出车现场来评估事故发生的原因以及采取相应的赔偿方式，对于欺诈骗保的行为往往无法识别，这就导致目前欺诈骗保的行为比较普及。
而非车主驾驶造成交通事故，也是骗保的一大原因。因此，若能及时有效地识别是否是车主本人开车，则不仅可以有效降低骗保的概率，也能及时进行安全预警。
发明内容
有鉴于此，本申请提出一种车辆、车险防欺诈预警方法及存储介质，能够提高车险防欺诈预警的效率及准确性。
首先，为实现上述目的，本申请提出一种车辆，所述车辆包括存储器、及与所述存储器连接的处理器，所述处理器用于执行所述存储器上存储的车险防欺诈预警程序，所述车险防欺诈预警程序被所述处理器执行时实现如下步骤：
A1、获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
A2、接收所述声音采集系统响应该指令之后输出的声音信号；
A3、根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
A4、若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
此外，为实现上述目的，本申请还提出一种车险防欺诈预警方法，所述方法包括如下步骤：
S1、获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
S2、接收所述声音采集系统响应该指令之后输出的声音信号；
S3、根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
S4、若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
此外，为实现上述目的，本申请还提出一种车险防欺诈预警系统，所述系统包括：
接收模块202，用于接收所述声音采集系统响应该指令之后输出的声音信号；
识别模块203，用于根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
预警模块204，用于若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
此外，为实现上述目的，本申请还提出一种计算机可读存储介质，所述计算机可读存储介质存储有车险防欺诈预警程序，所述车险防欺诈预警程序可被至少一个处理器执行，以使所述至少一个处理器执行如上所述的车险防 欺诈预警方法的步骤。
相较于现有技术，本申请所提出的车辆、车险防欺诈预警方法及存储介质，首先在确定车辆处于危险行驶状态后，向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；接收所述声音采集系统输出的声音信号；根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份标识信息；若识别出的身份标识信息与预先存储的该车辆的驾驶员的身份标识信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。不仅能够有效降低骗保的概率，且能够进行安全预警。
附图说明
图1是本申请提出的车辆一可选的硬件架构的示意图；
图2是本申请车辆一实施例中车险防欺诈预警程序模块示意图；
图3是本申请车险防欺诈预警方法较佳实施例的实施流程图；
图4是声音采集系统较佳实施例的功能模块示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
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用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
需要说明的是，在本申请中涉及“第一”、“第二”等的描述仅用于描述目的，而不能理解为指示或暗示其相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。另外，各个实施例之间的技术方案可以相互结合，但是必须是以本领域普通技术人员能够实现为基础，当技术方案的结合出现相互矛盾或无法实 现时应当认为这种技术方案的结合不存在，也不在本申请要求的保护范围之内。
参阅图1所示，是本申请提出的车辆一可选的硬件架构示意图。本实施例中，车辆10可包括，但不仅限于，可通过通信总线14相互通信连接存储器11、处理器12、网络接口13。需要指出的是，图1仅示出了具有组件11-14的车辆10，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
其中，存储器11至少包括一种类型的计算机可读存储介质，计算机可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、随机访问存储器(RAM)、静态随机访问存储器(SRAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、可编程只读存储器(PROM)、磁性存储器、磁盘、光盘等。在一些实施例中，存储器11可以是车辆10的内部存储单元，例如车辆10的硬盘或内存。在另一些实施例中，存储器11也可以是车辆10的外包存储设备，例如车辆10上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。当然，存储器11还可以既包括车辆10的内部存储单元也包括其外部存储设备。本实施例中，存储器11通常用于存储安装于车辆10的操作系统和各类应用软件，例如车险防欺诈预警程序等。此外，存储器11还可以用于暂时地存储已经输出或者将要输出的各类数据。
处理器12在一些实施例中可以是中央处理器(Central Processing Unit，CPU)、控制器、微控制器、微处理器、或其他数据处理芯片。处理器12通常用于控制车辆10的总体操作。本实施例中，处理器12用于运行存储器11中存储的程序代码或者处理数据，例如运行的车险防欺诈预警程序等。
网络接口13可包括无线网络接口或有线网络接口，网络接口13通常用于在车辆10与其他电子设备之间建立通信连接。
通信总线14用于实现组件11-13之间的通信连接。
图1仅示出了具有组件11-14以及车险防欺诈预警程序的车辆10，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
可选地，车辆10还可以包括用户接口(图1中未示出)，用户接口可以 包括显示器、输入单元比如键盘，其中，用户接口还可以包括标准的有线接口、无线接口等。
可选地，在一些实施例中，显示器可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED触摸器等。进一步地，显示器也可称为显示屏或显示单元，用于显示在车辆10中处理信息以及用于显示可视化的用户界面。
可选地，在一些实施例中，车辆10还可以包括音频单元(音频单元图1中未示出)，音频单元可以在车辆10处于呼叫信号接收模式、通话模式、记录模式、语音识别模式、广播接收模式等等模式下时，将接收的或者存储的音频数据转换为音频信号；进一步地，车辆10还可以包括音频输出单元，音频输出单元将音频单元转换的音频信号输出，而且音频输出单元还可以提供与车辆10执行的特定功能相关的音频输出(例如呼叫信号接收声音、消息接收声音等等)，音频输出单元可以包括扬声器、蜂鸣器等等。
可选地，在一些实施例中，车辆10还可以包括警报单元(图中未示出)，警报单元可以提供输出已将事件的发生通知给车辆10。典型的事件可以包括呼叫接收、消息接收、键信号输入、触摸输入等等。除了音频或者视频输出之外，警报单元可以以不同的方式提供输出以通知事件的发生。例如，警报单元可以以震动的形式提供输出，当接收到呼叫、消息或一些其他可以使车辆10进入通信模式时，警报单元可以提供触觉输出(即，振动)以将其通知给用户。
在一实施例中，存储器11中存储的车险防欺诈预警程序被处理器12执行时，实现如下操作：
A100、获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
具体地，可以根据预先安装在车辆中的行车记录仪来获取车辆在运动方向上的实时加速度、速度、角度以及角速度等速度数据以及所述车辆行驶范围内的道路路基、路面、道路周围建筑等情况，例如，路基的类型，路面的坑洼程度，道路周围建筑高矮等，也可以包含在所述车辆行驶范围内的道路交通情况，例如，道路上行驶的车辆密集情况，人流密集情况、道路交通堵 塞的程度等路况信息，并根据所述当前道路安全行驶规则确定车辆是否处于危险行驶状态，具体地，所述当前道路安全行驶规则不限定是，从预先确定的数据中调取预先存储的当前道路行驶规则，所述危险行驶状态可以是，例如超速行驶、违规超车、单行线逆行、大火车上路或者是非共公交车驶入公交专用道等。进一步的，在确定该车辆处于危险行驶状态之后，向所述声音采集系统发送声音采集指令。
进一步地，所述声音采集系统在接收到采集驾驶员位置方向的声音信号指令之后，需要先进行定向声源的方向，当确定声源方向为预设的驾驶员的位置方向后，进行该声源方向的声音采集。
具体地，如图4所示，是声音采集系统较佳实施例的功能模块图。由图4可知，在本实施例中，所述声音采集系统40包括第一双向声电换能器401、第二双向声电换能器402以及声音分析模块403；所述第一双向声电换能器与所述第二双向声电换能器具有固定角度，并安装在所述车辆内部的中心位置；所述第一双向声电换能器以及所述第二双向声电换能器分别采集车内的待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；在本实施例中，所述待定向声源为驾驶员位置方向。
其中，所述声音分析模块，首先获取第一双向声电换能器与第二双向声电换能器之间的夹角角度；根据第一声音信号、第二声音信号、夹角角度及按预设间隔设置的预设角度确定线性函数，并根据线性函数确定以一个双向声电换能器所在的直线作为基准直线旋转各个预设角度时输出的信号能量；根据各个预设角度上的信号能量确定待定向声源所在的方位角度。
优选地，双向声电换能器的指向性为8字型，这种指向性的声电换能器在正向和反向最灵敏即轴向最灵敏，与正反两个方向垂直的两个方向最不灵敏，即与轴向所在直线相互垂直的直线所在的两个方向不能采集到声音信号。需要说明的是，双向声电换能器不能区分是正向还是反向的声音信号。因此，在具体实施过程中，通过两个相互形成夹角角度的双向声电换能器可实现在0至180度的定向。
根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数，并根据所述线性函数确定以一个所述双向声电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的信号能 量。预设间隔为一较小的角度，预设间隔与定向所要达到的精度相关，如可以为5度或3度。根据夹角角度及按预设间隔设置的预设角度确定线性函数的线性系数。
在具体的实施过程中，线性函数是关于第一声音信号及第二声音信号的线性函数。根据线性函数先确定以第一双向声电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的声音信号，再根据该声音信号确定该声音信号对应的信号能量。也可以先计算第一声音信号及第二声音信号分别对应的信号能量，记为第一信号能量及第二信号能量；线性函数是关于第一信号能量及第二信号能量的线性函数；然后再根据线性函数确定以第一双向声电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的信号能量。
进一步地，可以获取多个时间段的第一声音信号及第二声音信号，第一声音信号对应的信号能量为多个时间段的第一声音信号的信号能量的平均值；第二声音信号对应的信号能量为多个时间段的、第二声音信号的信号能量的平均值。这样，提高定位的准确性。可以理解地，这里的平均值也可以替换为均方根。
进一步地，根据各个所述预设角度上的信号能量确定所述待定向声源所在的方位角度。具体地，根据各个所述预设角度上的信号能量的大小，可以确定所述待定向声源所在的方位角度。由于双向声电换能器轴向方向垂直的方向不能接收到的声音信号，因此，可以认定信号能量最小的预设角度即为待定向声源所在的方位角度减去或加上90度，且该方位角度在0～180度之间。又由于信号能量最小的旋转角度可能并不是在预设角度上，且难以确定信号能量最小的情况，因此，可以设定一个阈值，当信号能量等于这个阈值时，认定待定声源所在的方位角度为该信号能量所对应的预设角度减去或加上90度，且该方位角度在0～180度之间。
通过上述声音定向方法可知，本申请的声音采集系统在确定驾驶员的位置方向时，只需要分别获取第一双向声电换能器、第二双向声电换能器采集的由待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；获取所述第一双向声电换能器与所述第二双向声电换能器之间的夹角角度；再根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数，并根据所述线性函数确定以一个所述双向声 电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的信号能量；最后，根据各个所述预设角度上的信号能量确定所述待定向声源所在的方位角度。
进一步地，当所述待定向声源为预设的驾驶员位置方向时，则采集该位置方向的声音信号，并发送。
A200、接收所述声音采集系统响应该指令之后输出的声音信号；
A300、根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
具体地，预先训练完成的声纹识别模型为神经网络模型。
A400、若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
进一步地，若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息相匹配，则确定该车辆本次行驶的驾驶员是预先确定的驾驶员，向该驾驶员发出安全行驶预警。
由上述事实施例可知，本申请提出的车辆，首先在确定车辆处于危险行驶状态后，向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；接收所述声音采集系统响应该指令之后输出的声音信号；根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份标识信息；若识别出的身份标识信息与预先存储的该车辆的驾驶员的身份标识信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。不仅能够有效降低骗保的概率，且能够进行安全预警。
进一步需要说明的是，本申请的车险防欺诈预警程序依据其各部分所实现的功能不同，可用具有相同功能的程序模块进行描述。请参阅图2所示，是本申请车辆一实施例中车险防欺诈预警程序的程序模块示意图。本实施例中，车险防欺诈预警程序依据其各部分所实现的功能的不同，可以被分割成发送模块201、接收模块202、识别模块203以及预警模块204。由上面的描述可知，本申请所称的程序模块是指能够完成特定功能的一系列计算机程序指令段，比程序更适合于描述车险防欺诈预警程序在车辆10中的执行过程。 所述模块201-204所实现的功能或操作步骤均与上文类似，此处不再详述，示例性地，例如其中：
发送模块201用于获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
接收模块202用于接收所述声音采集系统响应该指令之后输出的声音信号；
识别模块203用于根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
预警模块204用于若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
此外，本申请还提出一种车险防欺诈预警方法，请参阅图3所示，所述车险防欺诈预警方法包括如下步骤：
S100、获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
具体地，可以根据预先安装在车辆中的行车记录仪来获取车辆在运动方向上的实时加速度、速度、角度以及角速度等速度数据以及所述车辆行驶范围内的道路路基、路面、道路周围建筑等情况，例如，路基的类型，路面的坑洼程度，道路周围建筑高矮等，也可以包含在所述车辆行驶范围内的道路交通情况，例如，道路上行驶的车辆密集情况，人流密集情况、道路交通堵塞的程度等路况信息，并根据所述当前道路安全行驶规则确定车辆是否处于危险行驶状态，具体地，所述当前道路安全行驶规则不限定是，从预先确定的数据中调取预先存储的当前道路行驶规则，所述危险行驶状态可以是，例如超速行驶、违规超车、单行线逆行、大火车上路或者是非共公交车驶入公交专用道等。进一步的，在确定该车辆处于危险行驶状态之后，向所述声音采集系统发送声音采集指令。
进一步地，所述声音采集系统在接收到采集驾驶员位置方向的声音信号指令之后，需要先进行定向声源的方向，当确定声源方向为预设的驾驶员的位置方向后，进行该声源方向的声音采集。
具体地，如图4所示，是声音采集系统较佳实施例的功能模块图。由图4可知，在本实施例中，所述声音采集系统40包括第一双向声电换能器401、第二双向声电换能器402以及声音分析模块403；所述第一双向声电换能器与所述第二双向声电换能器具有固定角度，并安装在所述车辆内部的中心位置；所述第一双向声电换能器以及所述第二双向声电换能器分别采集车内的待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；在本实施例中，所述待定向声源为驾驶员位置方向。
其中，所述声音分析模块，首先获取第一双向声电换能器与第二双向声电换能器之间的夹角角度；根据第一声音信号、第二声音信号、夹角角度及按预设间隔设置的预设角度确定线性函数，并根据线性函数确定以一个双向声电换能器所在的直线作为基准直线旋转各个预设角度时输出的信号能量；根据各个预设角度上的信号能量确定待定向声源所在的方位角度。
优选地，双向声电换能器的指向性为8字型，这种指向性的声电换能器在正向和反向最灵敏即轴向最灵敏，与正反两个方向垂直的两个方向最不灵敏，即与轴向所在直线相互垂直的直线所在的两个方向不能采集到声音信号。需要说明的是，双向声电换能器不能区分是正向还是反向的声音信号。因此，在具体实施过程中，通过两个相互形成夹角角度的双向声电换能器可实现在0至180度的定向。
根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数，并根据所述线性函数确定以一个所述双向声电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的信号能量。预设间隔为一较小的角度，预设间隔与定向所要达到的精度相关，如可以为5度或3度。根据夹角角度及按预设间隔设置的预设角度确定线性函数的线性系数。
在具体的实施过程中，线性函数是关于第一声音信号及第二声音信号的线性函数。根据线性函数先确定以第一双向声电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的声音信号，再根据该声音信号确定该声 音信号对应的信号能量。也可以先计算第一声音信号及第二声音信号分别对应的信号能量，记为第一信号能量及第二信号能量；线性函数是关于第一信号能量及第二信号能量的线性函数；然后再根据线性函数确定以第一双向声电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的信号能量。
进一步地，可以获取多个时间段的第一声音信号及第二声音信号，第一声音信号对应的信号能量为多个时间段的第一声音信号的信号能量的平均值；第二声音信号对应的信号能量为多个时间段的、第二声音信号的信号能量的平均值。这样，提高定位的准确性。可以理解地，这里的平均值也可以替换为均方根。
进一步地，根据各个所述预设角度上的信号能量确定所述待定向声源所在的方位角度。具体地，根据各个所述预设角度上的信号能量的大小，可以确定所述待定向声源所在的方位角度。由于双向声电换能器轴向方向垂直的方向不能接收到的声音信号，因此，可以认定信号能量最小的预设角度即为待定向声源所在的方位角度减去或加上90度，且该方位角度在0～180度之间。又由于信号能量最小的旋转角度可能并不是在预设角度上，且难以确定信号能量最小的情况，因此，可以设定一个阈值，当信号能量等于这个阈值时，认定待定声源所在的方位角度为该信号能量所对应的预设角度减去或加上90度，且该方位角度在0～180度之间。
通过上述声音定向方法可知，本申请的声音采集系统在确定驾驶员的位置方向时，只需要分别获取第一双向声电换能器、第二双向声电换能器采集的由待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；获取所述第一双向声电换能器与所述第二双向声电换能器之间的夹角角度；再根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数，并根据所述线性函数确定以一个所述双向声电换能器所在的直线作为基准直线旋转各个所述预设角度时输出的信号能量；最后，根据各个所述预设角度上的信号能量确定所述待定向声源所在的方位角度。
进一步地，当所述待定向声源为预设的驾驶员位置方向时，则采集该位置方向的声音信号，并发送。
S200、接收所述声音采集系统响应该指令之后输出的声音信号；
S300、根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
具体地，预先训练完成的声纹识别模型为神经网络模型。
S400、若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
进一步地，若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息相匹配，则确定该车辆本次行驶的驾驶员是预先确定的驾驶员，向该驾驶员发出安全行驶预警。
由上述事实施例可知，本申请提出的车险防欺诈预警方法，首先在确定车辆处于危险行驶状态后，向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；接收所述声音采集系统响应该指令之后输出的声音信号；根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份标识信息；若识别出的身份标识信息与预先存储的该车辆的驾驶员的身份标识信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。不仅能够有效降低骗保的概率，且能够进行安全预警。此外，本申请还提出一种计算机可读存储介质，所述计算机可读存储介质上存储有车险防欺诈预警程序，所述车险防欺诈预警程序被处理器执行时实现如下操作：
获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定所述车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
接收所述声音采集系统响应该指令之后输出的声音信号；
根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
本申请计算机可读存储介质具体实施方式与上述车辆以及车险防欺诈预警方法各实施例基本相同，在此不作累述。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

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  1. 一种车辆，其特征在于，所述车辆包括存储器、及与所述存储器连接的处理器，所述处理器用于执行所述存储器上存储的车险防欺诈预警程序，所述车险防欺诈预警程序被所述处理器执行时实现如下步骤：
    A1、获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
    A2、接收所述声音采集系统响应该指令之后输出的声音信号；
    A3、根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
    A4、若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
  2. 如权利要求1所述的车辆，其特征在于，所述车险防欺诈预警程序被所述处理器执行时实现如下步骤：
    若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息相匹配，则确定该车辆本次行驶的驾驶员是预先确定的驾驶员，向该驾驶员发出安全行驶预警。
  3. 如权利要求2所述的车辆，其特征在于，所述速度数据包括加速度、速度、角度以及角速度，所述路况信息包括所述车辆行驶范围内的道路路基、路面、道路周期建筑以及道路交通情况，在所述步骤A1中，所述获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态的步骤包括：
    从预先确定的数据中调取预先存储的当前道路行驶规则，根据所述当前道路安全行驶规则确定该车辆是否处于危险行驶状态，所述危险行驶状态包括超速行驶、违规超车、单行线逆行、大火车上路或者是非共公交车驶入公交专用道。
  4. 如权利要求1所述的车辆，其特征在于，所述声音采集系统包括第一双向声电换能器、第二双向声电换能器、以及声音分析模块；
    所述第一双向声电换能器与所述第二双向声电换能器具有固定角度，并 安装在所述车辆内部的中心位置；所述第一双向声电换能器以及所述第二双向声电换能器分别采集车内的待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；所述待定向声源为驾驶员位置方向。
  5. 如权利要求4所述的车辆，其特征在于，在所述步骤A1与所述步骤A2之间还包括如下步骤：
    声音分析模块获取所述第一双向声电换能器与所述第二双向声电换能器之间的夹角角度；
    根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数；
    根据线性函数确定以一个双向声电换能器所在的直线作为基准直线旋转各个预设角度时输出的信号能量；
    根据各个预设角度上的信号能量确定待定向声源所在的方位角度。
  6. 一种车险防欺诈预警方法，其特征在于，所述方法包括如下步骤：
    S1、获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
    S2、接收所述声音采集系统响应该指令之后输出的声音信号；
    S3、根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
    S4、若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
  7. 如权利要求6所述的车险防欺诈预警方法，其特征在于，所述方法还包括如下步骤：
    若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息相匹配，则确定该车辆本次行驶的驾驶员是预先确定的驾驶员，向该驾驶员发出安全行驶预警。
  8. 如权利要求6所述的车险防欺诈预警方法，其特征在于，所述速度数据包括加速度、速度、角度以及角速度，所述路况信息包括所述车辆行驶范 围内的道路路基、路面、道路周期建筑以及道路交通情况，在所述步骤S1中，所述获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态的步骤包括：
    从预先确定的数据中调取预先存储的当前道路行驶规则，根据所述当前道路安全行驶规则确定该车辆是否处于危险行驶状态，所述危险行驶状态包括超速行驶、违规超车、单行线逆行、大火车上路或者是非共公交车驶入公交专用道。
  9. 如权利要求6所述的车险防欺诈预警方法，其特征在于，所述声音采集系统包括第一双向声电换能器、第二双向声电换能器、以及声音分析模块；
    所述第一双向声电换能器与所述第二双向声电换能器具有固定角度，并安装在所述车辆内部的中心位置；所述第一双向声电换能器以及所述第二双向声电换能器分别采集车内的待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；所述待定向声源为驾驶员位置方向。
  10. 如权利要求9所述的车险防欺诈预警方法，其特征在于，在所述步骤S1与所述步骤S2之间还包括如下步骤：
    声音分析模块获取所述第一双向声电换能器与所述第二双向声电换能器之间的夹角角度；
    根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数；
    根据线性函数确定以一个双向声电换能器所在的直线作为基准直线旋转各个预设角度时输出的信号能量；
    根据各个预设角度上的信号能量确定待定向声源所在的方位角度。
  11. 一种车险防欺诈预警系统，其特征在于，所述系统包括：
    发送模块201，用于获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
    接收模块202，用于接收所述声音采集系统响应该指令之后输出的声音信号；
    识别模块203，用于根据预先训练完成的声纹识别模型对接收到的声音信 号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
    预警模块204，用于若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
  12. 如权利要求11所述的车险防欺诈预警系统，其特征在于，所述系统还包括第一确定模块，用于在若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息相匹配，则确定该车辆本次行驶的驾驶员是预先确定的驾驶员，向该驾驶员发出安全行驶预警。
  13. 如权利要求12所述的车险防欺诈预警系统，其特征在于，所述速度数据包括加速度、速度、角度以及角速度，所述路况信息包括所述车辆行驶范围内的道路路基、路面、道路周期建筑以及道路交通情况，所述发送模块从预先确定的数据中调取预先存储的当前道路行驶规则，根据所述当前道路安全行驶规则确定该车辆是否处于危险行驶状态，所述危险行驶状态包括超速行驶、违规超车、单行线逆行、大火车上路或者是非共公交车驶入公交专用道。
  14. 如权利要求11所述的车险防欺诈预警系统，其特征在于，所述声音采集系统包括第一双向声电换能器、第二双向声电换能器、以及声音分析模块；
    所述第一双向声电换能器与所述第二双向声电换能器具有固定角度，并安装在所述车辆内部的中心位置；所述第一双向声电换能器以及所述第二双向声电换能器分别采集车内的待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；所述待定向声源为驾驶员位置方向。
  15. 如权利要求14所述的车险防欺诈预警系统，其特征在于，所述系统还包括：
    声音分析模块，用于获取所述第一双向声电换能器与所述第二双向声电换能器之间的夹角角度；
    第二确定模块，用于根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数；
    第三确定模块，用于根据线性函数确定以一个双向声电换能器所在的直线作为基准直线旋转各个预设角度时输出的信号能量；
    第四确定模块，用于根据各个预设角度上的信号能量确定待定向声源所在的方位角度。
  16. 一种计算机可读存储介质，所述计算机可读存储介质存储有车险防欺诈预警程序，所述车险防欺诈预警程序可被至少一个处理器执行，以使所述至少一个处理器执行如下步骤：
    获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态，若确定该车辆处于危险行驶状态，则向该车辆中预先安装的声音采集系统发送采集驾驶员位置方向的声音信号的指令；
    接收所述声音采集系统响应该指令之后输出的声音信号；
    根据预先训练完成的声纹识别模型对接收到的声音信号进行声音识别，并获取该声音信号对应的人员的身份识别信息；
    若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息不相匹配，则确定该车辆本次行驶的驾驶员不是预先确定的驾驶员，发出安全行驶预警，并向预先确定的终端发送车险欺诈预警提示信息。
  17. 如权利要求16所述的计算机可读存储介质，其特征在于，所述车险防欺诈预警程序被所述处理器执行时实现如下步骤：
    若识别出的身份识别信息与预先确定的该车辆的驾驶员的身份识别信息相匹配，则确定该车辆本次行驶的驾驶员是预先确定的驾驶员，向该驾驶员发出安全行驶预警。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，所述速度数据包括加速度、速度、角度以及角速度，所述路况信息包括所述车辆行驶范围内的道路路基、路面、道路周期建筑以及道路交通情况，所述获取车辆内部的行车记录仪采集的车辆行驶速度数据以及路况信息，分析所述速度数据以及所述路况信息，以确定该车辆的行驶状态的步骤包括：
    从预先确定的数据中调取预先存储的当前道路行驶规则，根据所述当前道路安全行驶规则确定该车辆是否处于危险行驶状态，所述危险行驶状态包括超速行驶、违规超车、单行线逆行、大火车上路或者是非共公交车驶入公交专用道。
  19. 如权利要求16所述的计算机可读存储介质，其特征在于，所述声音 采集系统包括第一双向声电换能器、第二双向声电换能器、以及声音分析模块；
    所述第一双向声电换能器与所述第二双向声电换能器具有固定角度，并安装在所述车辆内部的中心位置；所述第一双向声电换能器以及所述第二双向声电换能器分别采集车内的待定向声源发出的声音信号，并分别记为第一声音信号及第二声音信号；所述待定向声源为驾驶员位置方向。
  20. 如权利要求19所述的计算机可读存储介质，其特征在于，在所述接收所述声音采集系统响应该指令之后输出的声音信号的步骤之前，还包括如下步骤：
    声音分析模块获取所述第一双向声电换能器与所述第二双向声电换能器之间的夹角角度；
    根据所述第一声音信号、所述第二声音信号、所述夹角角度及按预设间隔设置的预设角度确定线性函数；
    根据线性函数确定以一个双向声电换能器所在的直线作为基准直线旋转各个预设角度时输出的信号能量；
    根据各个预设角度上的信号能量确定待定向声源所在的方位角度。
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