CN112418789A - Claims evaluation processing method and device, nonvolatile storage medium and electronic equipment - Google Patents
Claims evaluation processing method and device, nonvolatile storage medium and electronic equipment Download PDFInfo
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Abstract
The invention discloses a claim settlement evaluation processing method and device, a nonvolatile storage medium and electronic equipment. Wherein, the method comprises the following steps: in the process of collecting the investigation image data of the vehicle to be claimed, outputting prompt information based on the first image data of the vehicle to be claimed which is currently investigated, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed; acquiring the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, wherein the claim assessment data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; and displaying the claim evaluation data. The invention solves the technical problem that the vehicle insurance claim settlement processing platform in the prior art cannot provide an efficient claim settlement evaluation scheme for insurance companies, so that the vehicle insurance claim settlement processing efficiency is low.
Description
Technical Field
The invention relates to the technical field of vehicle insurance claims, in particular to a claim evaluation processing method and device, a nonvolatile storage medium and electronic equipment.
Background
In the vehicle insurance claim settlement process, the claim settlement for the vehicle with the loss close to or reaching the actual value has many pain points for insurance companies, for example, the treatment scheme is not timely, the resource support is not enough, the personnel skill is not enough, the time effect is prolonged seriously, and the like; the insured, the owner and the driver of the vehicle in danger do not know the fussy matters in the whole claim settlement process and a series of fussy works such as vehicle residual value and procedures brought by the vehicle reaching the actual value and are confused, so that the safety guarantee performance is poor, the required time and the required procedure are complex, the time is delayed, the energy is wasted, and the insured party is also provided with a plurality of pain points.
The vehicle insurance claim settlement processing platform in the current industry field cannot provide an efficient claim settlement evaluation scheme for insurance companies, so that the vehicle insurance claim settlement processing efficiency is low.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a method and a device for claim settlement evaluation processing, a nonvolatile storage medium and electronic equipment, which are used for at least solving the technical problem that the vehicle insurance claim settlement processing efficiency is low because a vehicle insurance claim settlement processing platform in the prior art cannot provide an efficient claim settlement evaluation scheme for insurance companies.
According to an aspect of an embodiment of the present invention, there is provided a method for claim evaluation processing, including: in the process of collecting the investigation image data of the vehicle to be claimed, outputting prompt information based on the first image data of the vehicle to be claimed which is currently investigated, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed; acquiring the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, wherein the claim assessment data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; and displaying the claim evaluation data.
Optionally, outputting prompt information based on the currently investigated first image data of the vehicle to be claimed, including: acquiring a damaged part of the vehicle in the first image data; judging whether the damaged part of the vehicle comprises a target damaged part or not to obtain a judgment result; and if the judgment result is negative, outputting the prompt information, wherein the second image data at least comprises the target damaged part.
Optionally, after presenting the claim evaluation data, the method further comprises: obtaining a damage assessment disassembly image and a damage assessment recording document, wherein the damage assessment disassembly image is used for recording the disassembly process and the disassembly result of a damaged appearance piece and a vehicle inner part in the vehicle to be claimed; analyzing the loss assessment record document according to the loss assessment disassembled image to obtain an analysis result; and displaying the analysis result, wherein the analysis result is used for providing an auxiliary basis for auditing the loss assessment record document.
Optionally, determining claim evaluation data of the vehicle to be claimed based on the second image data includes: acquiring a target damaged part of the vehicle to be claimed in the second image data; evaluating the vehicle damage condition of the vehicle to be claimed according to the target damaged part; and determining the actual value of the vehicle to be claimed according to the second image data and the damaged condition of the vehicle.
Optionally, the evaluating the damaged condition of the vehicle to be claimed according to the target damaged part includes: obtaining a pre-established damage assessment model; and evaluating the target damaged part according to the damage evaluation model to obtain the vehicle damage condition of the vehicle to be claimed.
According to another aspect of the embodiments of the present invention, there is also provided a claim evaluation processing apparatus, including: the system comprises a prompt module, a data acquisition module and a data processing module, wherein the prompt module is used for outputting prompt information based on currently surveyed first image data of a vehicle to be claimed in the process of collecting survey image data of the vehicle to be claimed, and the prompt information is used for prompting to acquire second image data of the vehicle to be claimed; the processing module is configured to acquire the second image data corresponding to the prompt information, and determine claim assessment data of the vehicle to be claimed based on the second image data, where the claim assessment data is used to provide an auxiliary basis for determining damage for a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; and the first display module is used for displaying the claim settlement evaluation data.
Optionally, the prompt module is further configured to acquire a damaged portion of the vehicle in the first image data; judging whether the damaged part of the vehicle comprises a target damaged part or not to obtain a judgment result; and if the judgment result is negative, outputting the prompt information, wherein the second image data at least comprises the target damaged part.
Optionally, the apparatus further comprises: the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring a damage assessment disassembly image and a damage assessment recording document, and the damage assessment disassembly image is used for recording the disassembly process and the disassembly result of a damaged appearance piece and a vehicle inner part in the vehicle to be claimed; the analysis module is used for analyzing the loss assessment recording document according to the loss assessment disassembled image to obtain an analysis result; and the second display module is used for displaying the analysis result, wherein the analysis result is used for providing an auxiliary basis for auditing the loss assessment recording bill.
According to another aspect of the embodiments of the present invention, there is also provided a non-volatile storage medium, which stores a plurality of instructions, the instructions being adapted to be loaded by a processor and to execute any one of the claims evaluation processing methods.
According to another aspect of the embodiments of the present invention, there is also provided an electronic device, including: a processor and a memory; the memory stores a computer program, and the computer program is suitable for being loaded by the processor and executing any claim evaluation processing method.
In the embodiment of the invention, in the process of collecting the investigation image data of the vehicle to be claimed, prompt information is output based on the currently investigated first image data of the vehicle to be claimed, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed; acquiring the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, wherein the claim assessment data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; the claim evaluation data are displayed, the purpose of providing an efficient claim evaluation scheme for insurance companies is achieved, the technical effect of improving the processing efficiency of vehicle insurance claims is achieved, and the technical problem that the vehicle insurance claim evaluation processing platform in the prior art cannot provide an efficient claim evaluation scheme for the insurance companies, and accordingly the vehicle insurance claim evaluation processing efficiency is low is solved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the invention without limiting the invention. In the drawings:
FIG. 1 is a flow diagram of a method of claim evaluation processing according to an embodiment of the invention;
fig. 2 is a schematic flow chart illustrating an implementation of an alternative method for claim evaluation processing according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a claim evaluation processing apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
Example 1
In accordance with an embodiment of the present invention, there is provided an embodiment of a method for claim evaluation processing, it should be noted that the steps illustrated in the flowchart of the figure can be performed in a computer system such as a set of computer executable instructions, and that while a logical order is illustrated in the flowchart, in some cases the steps illustrated or described can be performed in an order different than here.
Fig. 1 is a flowchart of a method for claim evaluation processing according to an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step S102, in the process of collecting the investigation image data of the vehicle to be claimed, outputting prompt information based on the first image data of the vehicle to be claimed which is investigated currently, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed;
step S104, obtaining the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, where the claim assessment data is used to provide an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value;
and step S106, displaying the claim settlement evaluation data.
In the embodiment of the invention, in the process of collecting the investigation image data of the vehicle to be claimed, prompt information is output based on the currently investigated first image data of the vehicle to be claimed, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed; acquiring the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, wherein the claim assessment data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; the claim evaluation data are displayed, the purpose of providing an efficient claim evaluation scheme for insurance companies is achieved, the technical effect of improving the processing efficiency of vehicle insurance claims is achieved, and the technical problem that the vehicle insurance claim evaluation processing platform in the prior art cannot provide an efficient claim evaluation scheme for the insurance companies, and accordingly the vehicle insurance claim evaluation processing efficiency is low is solved.
Optionally, the method for claim evaluation processing provided by the embodiment of the present application may be applied to a claim evaluation processing platform, for example, a CE-assisted claim evaluation processing platform, where CE refers to a security certification mark and refers to a basic security requirement of a product that does not endanger the security of human beings, animals, and goods, rather than a general quality requirement.
In this embodiment of the application, the CE-assisted claim settlement evaluation processing platform adopts an external image acquisition system to realize an external device image acquisition technology, an AI image identification analysis system to realize AI image identification and image analysis technologies, a big data operation module to realize big data support and operation technologies, and an associated payment and payment security assurance module to realize an electronic money technology, a payment and payment security technology, and a notarization capability technology, and further includes: the entity interaction and handover flow module of the relevant procedures such as consistency and credit guarantee of online and offline interaction, behavior safety, rights and interests guarantee and the like can be realized.
In the embodiment of the application, the CE-assisted claim assessment processing platform integrates multiple technologies such as AI image recognition, image analysis, big data and operation support, and through the implementation method flowchart shown in fig. 2, from acquisition, prediction and prediction to actual implementation, the processing flow of claim cases, especially claim cases, is safer, simpler, more accurate and faster.
In the above optional embodiment, as shown in fig. 2, in the process of acquiring the survey image data of the vehicle to be claimed, the CE-assisted claim settlement evaluation processing platform may employ an AI image guidance shooting technique to analyze the image data obtained by the surveyor currently surveying the vehicle to be claimed, and if the image data is the first image data, since the first image data does not include the damaged portion of the target (i.e., the damaged portion of the AI that needs to be analyzed with emphasis), prompt information is output, where the prompt information is used to prompt to acquire second image data of the vehicle to be claimed, and the second image data at least includes the damaged portion of the target.
After the prompt information is output, the second image data corresponding to the prompt information is obtained, claim assessment data of the vehicle to be claimed is determined based on the second image data, the claim assessment data are displayed, and then the damage condition and the actual value of the vehicle determined by an AI analysis technology can be used for providing an auxiliary basis for damage assessment for a damage assessment object.
As an optional embodiment, by using an AI image guidance shooting technology provided by the CE-assisted claim assessment processing platform, the AI can judge the position of the combining point of the external condition and the internal condition of the damaged vehicle by analyzing the image and combining big data in the shooting process of a surveyor, so as to guide the photographer to move left and right or back and forth or turn, thereby assisting shooting, and simultaneously obtaining second image data more beneficial to AI prediction and preliminary judgment; specifically, the CE-assisted claim settlement evaluation processing platform comprises an auxiliary investigation and photographing function, and the investigation photographer can systematically and automatically prompt the investigation photographer to move the photographing equipment to take a part which is subjected to AI-based key analysis for photographing through the auxiliary function of AI-based real scene photographing and through the primary judgment of surface damage identification.
As another alternative, the CE-assisted claim assessment processing platform includes an ability to assist in AI analysis and big data model processing of claim cases after survey, as shown in fig. 2, in the survey stage, it may preliminarily determine the determination of the actual value of the vehicle and predict the damaged condition of the vehicle, so as to perform an auxiliary damage assessment function and a damage assessment direction assessment function for subsequent damage assessment personnel. The actual value and damage condition of the vehicle can be preliminarily evaluated by combining a big data model, and a follow-up damage assessment person can be given preliminary guidance, for example, the actual value of the vehicle, the relevance of a damaged appearance piece and certain internal parts, a guidance observation and follow-up damage assessment and disassembly confirmation mode can be guided, wherein the disassembly is costly, the disassembly is simple, or the damage is confirmed by the component-to-component correlation mode or the guidance is given; when the scheme of presuming the total loss is confirmed, the accuracy and the reasonability of a presumption process and a result can be analyzed by combining a specific photo of an insurance company and a loss assessment project, and meanwhile, a bidding reference opinion can be provided under the condition of ensuring legality and compliance; under the condition of presuming total loss implementation, when a disabled vehicle value equity client selects transfer and transfer insurance companies, the platform can assist in completing subsequent legal compliance online processing work, is beneficial to assisting offline user passing and other works, and solves the problem of complex procedures so that the client really realizes rapidness, convenience, worry saving and reassurance.
In an alternative embodiment, outputting the prompt information based on the first image data of the currently investigated vehicle to be claimed comprises:
step S202, obtaining a damaged part of the vehicle in the first image data;
step S204, judging whether the damaged part of the vehicle comprises a target damaged part or not to obtain a judgment result;
in step S206, if the determination result is negative, the prompt message is output, wherein the second image data at least includes the target damaged portion.
In the above optional embodiment, after the first image data of the vehicle to be claimed currently searched is acquired, it is determined whether the damaged portion of the vehicle includes a target damaged portion, a determination result is obtained, and if the determination result is no, the prompt information is output to prompt the shooting device to acquire second image data at least including the target damaged portion.
In an optional embodiment, after presenting the claim evaluation data, the method further comprises:
step S302, obtaining a loss assessment disassembly image and a loss assessment record document;
step S304, analyzing the loss assessment recording document according to the loss assessment disassembled image to obtain an analysis result;
and step S306, displaying the analysis result, wherein the analysis result is used for providing an auxiliary basis for auditing the loss assessment record bill.
In the above embodiment, the damage-assessment disassembled image is used to record the disassembling process and the disassembling result of the damaged external appearance piece and the internal vehicle part in the vehicle to be claimed.
In the embodiment of the application, an AI and big data analysis model may be used to analyze the obtained loss assessment and disassembly image and loss assessment recording document, specifically, the loss assessment and disassembly image is analyzed based on the loss assessment and disassembly image to obtain an analysis result, that is, the loss assessment recording document is analyzed to verify the condition of total loss estimation, and the analysis result is displayed, wherein the analysis result is used to provide an auxiliary basis for an auditor to audit the loss assessment recording document.
In an optional embodiment, determining the claim evaluation data of the vehicle to be claimed based on the second image data comprises:
step S402, obtaining a target damaged part of the vehicle to be claimed in the second image data;
step S404, evaluating the damaged condition of the vehicle to be claimed according to the target damaged part;
step S406 is performed to determine the actual value of the vehicle to be claimed according to the second image data and the damaged condition of the vehicle.
In the above optional embodiment, since the second image data includes the target damaged portion of the vehicle to be claimed, the target damaged portion in the second image data and the damage assessment model established in advance are obtained; the target damaged portion is evaluated according to the damage evaluation model to obtain a damaged condition of the vehicle to be claimed, and the actual value of the vehicle to be claimed can be determined according to the second image data and the damaged condition of the vehicle.
In an optional embodiment, the evaluating the damaged condition of the vehicle to be claimed according to the target damaged portion includes:
step S502, obtaining a pre-established damage assessment model;
step S504, evaluating the target damaged portion according to the damage evaluation model to obtain the damaged condition of the vehicle to be claimed.
After the target damaged part in the second image data is obtained, based on a damage assessment model established in advance; and evaluating the target damaged part according to the damage evaluation model to obtain the vehicle damage condition of the vehicle to be claimed, and further determining the vehicle actual value of the vehicle to be claimed according to the second image data and the vehicle damage condition.
As an alternative embodiment, as also shown in fig. 2, while providing reference opinions to auditors, the CE-assisted claim settlement evaluation processing platform in the embodiment of the present application may also provide preliminary reference opinions to third-party disabled car bidding companies under legal compliance; and when the insurance company verifies that the key indeed reaches the actual value of the vehicle and needs to estimate the total loss, the CE assists the claim settlement evaluation processing platform to provide the legally compliant data information to the bidding company.
In another optional embodiment, when the total loss is estimated to be real-time, and the customer with the right to benefit the vehicle value of the disabled chooses to hand over the insurance company, the CE assists the claim settlement evaluation processing platform to assist in completing the subsequent online processing work, which is beneficial to assisting the offline user-passing work and the like, and solves the problem of tedious procedures to ensure that the customer really experiences rapidness, convenience, worry saving and reassurance.
Example 2
According to an embodiment of the present invention, there is further provided an embodiment of an apparatus for implementing the method for evaluating and processing claims, fig. 3 is a schematic structural diagram of an apparatus for evaluating and processing claims according to an embodiment of the present invention, and as shown in fig. 3, the apparatus for evaluating and processing claims includes: prompt module 40, processing module 42, and first presentation module 44, wherein:
the prompting module 40 is configured to, in a process of acquiring survey image data of a vehicle to be claimed, output prompting information based on currently surveyed first image data of the vehicle to be claimed, where the prompting information is used to prompt to acquire second image data of the vehicle to be claimed; the processing module 42 is configured to obtain the second image data corresponding to the prompt information, and determine claim evaluation data of the vehicle to be claimed based on the second image data, where the claim evaluation data is used to provide an auxiliary basis for determining damage to a damage assessment object, and the claim evaluation data includes: vehicle damage and vehicle actual value; the first display module 44 is configured to display the claim evaluation data.
In an optional embodiment, the prompt module is further configured to obtain a damaged portion of the vehicle in the first image data; judging whether the damaged part of the vehicle comprises a target damaged part or not to obtain a judgment result; and if the judgment result is negative, outputting the prompt information, wherein the second image data at least comprises the target damaged part.
In an optional embodiment, the apparatus further comprises: the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring a damage assessment disassembly image and a damage assessment recording document, and the damage assessment disassembly image is used for recording the disassembly process and the disassembly result of a damaged appearance piece and a vehicle inner part in the vehicle to be claimed; the analysis module is used for analyzing the loss assessment recording document according to the loss assessment disassembled image to obtain an analysis result; and the second display module is used for displaying the analysis result, wherein the analysis result is used for providing an auxiliary basis for auditing the loss assessment recording bill.
In an optional embodiment, the processing module is further configured to obtain a target damaged portion of the vehicle to be claimed in the second image data; evaluating the vehicle damage condition of the vehicle to be claimed according to the target damaged part; and determining the actual value of the vehicle to be claimed according to the second image data and the damaged condition of the vehicle.
In an optional embodiment, the processing module is further configured to obtain a pre-established damage assessment model; and evaluating the damaged image of the vehicle according to the damage evaluation model to obtain the damaged condition of the vehicle to be claimed.
It should be noted that the above modules may be implemented by software or hardware, for example, for the latter, the following may be implemented: the modules can be located in the same processor; alternatively, the modules may be located in different processors in any combination.
It should be noted that the above-mentioned prompting module 40, processing module 42 and first displaying module 44 correspond to steps S102 to S106 in embodiment 1, and the above-mentioned modules are the same as the examples and application scenarios realized by the corresponding steps, but are not limited to the disclosure of embodiment 1. It should be noted that the modules described above may be implemented in a computer terminal as part of an apparatus.
It should be noted that, reference may be made to the relevant description in embodiment 1 for alternative or preferred embodiments of this embodiment, and details are not described here again.
The claim evaluation processing device may further include a processor and a memory, and the prompting module 40, the processing module 42, the first presentation module 44, and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions.
The processor comprises a kernel, and the kernel calls a corresponding program unit from the memory, wherein one or more than one kernel can be arranged. The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.
According to the embodiment of the application, the embodiment of the nonvolatile storage medium is also provided. Optionally, in this embodiment, the nonvolatile storage medium includes a stored program, and the apparatus in which the nonvolatile storage medium is located is controlled to execute any one of the claims evaluation processing methods when the program runs.
Optionally, in this embodiment, the nonvolatile storage medium may be located in any one of a group of computer terminals in a computer network, or in any one of a group of mobile terminals, and the nonvolatile storage medium includes a stored program.
Optionally, the apparatus in which the non-volatile storage medium is controlled to perform the following functions when the program is executed: in the process of collecting the investigation image data of the vehicle to be claimed, outputting prompt information based on the first image data of the vehicle to be claimed which is currently investigated, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed; acquiring the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, wherein the claim assessment data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; and displaying the claim evaluation data.
According to the embodiment of the application, the embodiment of the processor is also provided. Optionally, in this embodiment, the processor is configured to execute a program, where the program executes any one of the claims evaluation processing methods.
The embodiment of the application provides an electronic device, the device comprises a processor, a memory and a program which is stored on the memory and can be run on the processor, and the processor executes the program and realizes the following steps: in the process of collecting the investigation image data of the vehicle to be claimed, outputting prompt information based on the first image data of the vehicle to be claimed which is currently investigated, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed; acquiring the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, wherein the claim assessment data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; and displaying the claim evaluation data.
The present application further provides a computer program product adapted to perform a program for initializing the following method steps when executed on a data processing device: in the process of collecting the investigation image data of the vehicle to be claimed, outputting prompt information based on the first image data of the vehicle to be claimed which is currently investigated, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed; acquiring the second image data corresponding to the prompt information, and determining claim assessment data of the vehicle to be claimed based on the second image data, wherein the claim assessment data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value; and displaying the claim evaluation data.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
In the above embodiments of the present invention, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In the embodiments provided in the present application, it should be understood that the disclosed technology can be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the above-described division of the units may be a logical division, and in actual implementation, there may be another division, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, units or modules, and may be in an electrical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable non-volatile storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a non-volatile storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned nonvolatile storage medium includes: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.
Claims (10)
1. A method for claim evaluation processing, comprising:
in the process of collecting the investigation image data of the vehicle to be claimed, outputting prompt information based on the first image data of the vehicle to be claimed which is obtained by current investigation, wherein the prompt information is used for prompting to obtain second image data of the vehicle to be claimed;
acquiring second image data corresponding to the prompt information, and determining claim evaluation data of the vehicle to be claimed based on the second image data, wherein the claim evaluation data is used for providing an auxiliary basis for determining damage to a damage assessment object, and the claim evaluation data comprises: vehicle damage and vehicle actual value;
and displaying the claim evaluation data.
2. The method of claim 1, wherein outputting a prompt based on the currently surveyed first image data of the vehicle to be claimed comprises:
acquiring a damaged part of the vehicle in the first image data;
judging whether the damaged part of the vehicle comprises a target damaged part or not to obtain a judgment result;
and if the judgment result is negative, outputting the prompt information, wherein the second image data at least comprises the target damaged part.
3. The method of claim 1, wherein after presenting the claim evaluation data, the method further comprises:
acquiring a damage assessment disassembly image and a damage assessment recording document, wherein the damage assessment disassembly image is used for recording the disassembly process and the disassembly result of a damaged appearance piece and a vehicle inner part in the vehicle to be claimed;
analyzing the loss assessment recording bill according to the loss assessment disassembled image to obtain an analysis result;
and displaying the analysis result, wherein the analysis result is used for providing an auxiliary basis for auditing the loss assessment record bill.
4. The method of claim 1, wherein determining claim evaluation data for the vehicle to claim based on the second image data comprises:
acquiring a target damaged part of the vehicle to be claimed in the second image data;
evaluating the vehicle damage condition of the vehicle to be claimed according to the target damaged part;
and determining the actual vehicle value of the vehicle to be claimed according to the second image data and the damaged condition of the vehicle.
5. The method according to claim 4, wherein the vehicle damage condition of the vehicle to be claimed is evaluated according to the target damage part, and comprises the following steps:
obtaining a pre-established damage assessment model;
and evaluating the target damaged part according to the damage evaluation model to obtain the vehicle damage condition of the vehicle to be claimed.
6. An claim evaluation processing apparatus, comprising:
the system comprises a prompt module, a data acquisition module and a data processing module, wherein the prompt module is used for outputting prompt information based on currently surveyed first image data of a vehicle to be claimed in the process of collecting survey image data of the vehicle to be claimed, and the prompt information is used for prompting to acquire second image data of the vehicle to be claimed;
the processing module is configured to acquire the second image data corresponding to the prompt information, and determine claim assessment data of the vehicle to be claimed based on the second image data, where the claim assessment data is used to provide an auxiliary basis for determining damage for a damage assessment object, and the claim assessment data includes: vehicle damage and vehicle actual value;
and the first display module is used for displaying the claim evaluation data.
7. The apparatus of claim 6, wherein the prompting module is further configured to obtain a vehicle damage location in the first image data; judging whether the damaged part of the vehicle comprises a target damaged part or not to obtain a judgment result; and if the judgment result is negative, outputting the prompt information, wherein the second image data at least comprises the target damaged part.
8. The apparatus of claim 6, further comprising:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring a damage assessment disassembly image and a damage assessment recording document, and the damage assessment disassembly image is used for recording the disassembly process and the disassembly result of a damaged appearance piece and a vehicle inner part in the vehicle to be claimed;
the analysis module is used for analyzing the loss assessment recording bill according to the loss assessment disassembled image to obtain an analysis result;
and the second display module is used for displaying the analysis result, wherein the analysis result is used for providing an auxiliary basis for auditing the loss assessment record bill.
9. A non-volatile storage medium storing a plurality of instructions adapted to be loaded by a processor and to perform the method of claim evaluation processing as claimed in any one of claims 1 to 5.
10. An electronic device, comprising: a processor and a memory; wherein the memory stores a computer program adapted to be loaded by the processor and to perform the method of claim evaluation processing as claimed in any one of claims 1 to 5.
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