CN106448216B - Vehicle insurance Claims Resolution method for early warning and device - Google Patents
Vehicle insurance Claims Resolution method for early warning and device Download PDFInfo
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- CN106448216B CN106448216B CN201610688907.0A CN201610688907A CN106448216B CN 106448216 B CN106448216 B CN 106448216B CN 201610688907 A CN201610688907 A CN 201610688907A CN 106448216 B CN106448216 B CN 106448216B
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- G—PHYSICS
- G08—SIGNALLING
- G08G—TRAFFIC CONTROL SYSTEMS
- G08G1/00—Traffic control systems for road vehicles
- G08G1/09—Arrangements for giving variable traffic instructions
- G08G1/0962—Arrangements for giving variable traffic instructions having an indicator mounted inside the vehicle, e.g. giving voice messages
- G08G1/0967—Systems involving transmission of highway information, e.g. weather, speed limits
- G08G1/096766—Systems involving transmission of highway information, e.g. weather, speed limits where the system is characterised by the origin of the information transmission
- G08G1/096775—Systems involving transmission of highway information, e.g. weather, speed limits where the system is characterised by the origin of the information transmission where the origin of the information is a central station
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Abstract
The invention discloses a kind of vehicle insurance Claims Resolution method for early warning and devices, this method comprises: obtaining the current location of the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command；Obtain traffic route and intersection in the pre-determined distance of current location, and vehicle insurance Claims Resolution event information relevant from vehicle insurance Claims Resolution center acquisition traffic route and intersection and occurring in past preset duration；According to vehicle insurance Claims Resolution event information, counts and damage degree in the vehicle that the case-involving vehicle of traffic accident occurs for each section of traffic route and each intersection；The section and/or intersection that the vehicle of case-involving vehicle damage degree is greater than the traffic route of predeterminable level are as risk zones；Export the corresponding warning information of risk zones.The present invention improves staff and faster reaches probability of the traffic accident generation position to handle accident in time, relieve traffic congestion, and significantly avoids long-time traffic congestion caused by due to traffic accident occurs.
Description
Technical field
The present invention relates to intelligent automobile technical field more particularly to a kind of vehicle insurance Claims Resolution method for early warning and device.
Background technique
In recent years, with the rapid development of social economy, the social activities of people is increasingly frequent, automobile traffic in city
Amount, pedestrian traffic amount etc. steeply rise, and substantially increase the probability of happening of people's vehicle accident, vehicle and vehicle accident.On the other hand, by
In current most cities, especially small and medium cities, Transport Facility Construction it is not perfect, roading and wagon flow actual conditions
It mismatches, also increases the probability of happening of people's vehicle accident, vehicle and vehicle accident.
After traffic accident occurs, in order to distinguish responsible party, car owner dare not move accident vehicle easily and stop working on the spot,
To wait vehicle insurance Claims Resolution staff to come to handle, subsequent vehicle has just started lane change, has jumped a queue, detours, the movement such as emergency brake, sternly
Road passage capability is reduced again, causes congestion in road.But since the vehicle that vehicle insurance Claims Resolution staff drives can not be substantially
Infer that position occurs for traffic accident, it is likely that the vehicle for needing to be used in vehicle insurance Claims Resolution service is got to by the long period
Position occurs for traffic accident, causes traffic accident that the congestion of position long-time occurs.
Summary of the invention
The main purpose of the present invention is to provide a kind of vehicle insurance Claims Resolution method for early warning and devices, it is intended to solve existing vehicle insurance reason
The vehicle for paying for service can not substantially infer that position occurs for traffic accident, cause traffic accident that the technology of position long-time congestion occurs
Problem.
To achieve the above object, a kind of vehicle insurance Claims Resolution method for early warning provided by the invention, the vehicle insurance Claims Resolution method for early warning
Include:
When detecting vehicle insurance Claims Resolution alarm command, the current location of the vehicle for vehicle insurance Claims Resolution service is obtained；
Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains the traffic from vehicle insurance Claims Resolution center
Route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；
According to vehicle insurance Claims Resolution event information, acquisition is handed in each section of the traffic route and each intersection
The vehicle of the case-involving vehicle of interpreter's event damages degree；
Using the vehicle of case-involving vehicle damage degree be greater than the traffic route of predeterminable level section and/or intersection as
Risk zones；
Export the corresponding warning information of risk zones, which includes location information where risk zones, warning
The vehicle driver pays close attention to the information warning of risk zones.
Preferably, after the step of output risk zones corresponding warning information further include:
The current running information of the vehicle is obtained, and according to the current location of vehicle and running information, generates vehicle
Predict wheelpath；
When the prediction wheelpath of vehicle passes through risk zones, vehicle drive prompt information is exported.
Preferably, described when the prediction wheelpath of vehicle passes through risk zones, output vehicle drive prompt information
Step includes:
According to vehicle insurance Claims Resolution event information, obtains each risk zones and casualties number caused by traffic accident occurs,
And casualties number caused by traffic accident will occur and be greater than the risk zones of default number as high risk region；
When the prediction wheelpath of vehicle passes through high risk region, output prompt user bypasses the vehicle in high risk area
Drive prompt information.
Preferably, described according to vehicle insurance Claims Resolution event information, it obtains each risk zones and occurs caused by traffic accident
Casualties number, and casualties number caused by traffic accident will occur and be greater than the risk zones of default number as high-risk wind
After the step of danger zone domain further include:
When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive of output prompt user's careful driving
Prompt information, wherein ordinary risk region is the risk area that casualties number caused by traffic accident occurs and is less than default number
Domain.
Preferably, the running information include history wheelpath, driving azimuth, running speed, it is described according to vehicle
Current location and running information, the step of generating the prediction wheelpath of vehicle include:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
The present invention also provides a kind of vehicle insurance Claims Resolution prior-warning device, the vehicle insurance Claims Resolution prior-warning device includes:
Position acquisition module, for obtaining the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
Current location；
Data obtaining module is managed for obtaining traffic route and intersection in the pre-determined distance of current location, and from vehicle insurance
Compensation center obtain the traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event letter
Breath；
Statistical module obtains in each section of the traffic route and each for being settled a claim event information according to vehicle insurance
The vehicle that the case-involving vehicle of traffic accident occurs for intersection damages degree；
Definition module, for the vehicle of case-involving vehicle damage degree is greater than the traffic route of predeterminable level section and/
Or intersection is as risk zones；
Early warning output module, for exporting the corresponding warning information of risk zones, which includes risk zones institute
Location information, the warning vehicle driver pay close attention to the information warnings of risk zones.
Preferably, the vehicle insurance Claims Resolution prior-warning device further include:
Track generation module is believed for obtaining the current running information of vehicle, and according to the current location of vehicle and driving
Breath, generates the prediction wheelpath of vehicle；
Output module is prompted, for when the prediction wheelpath of vehicle passes through risk zones, output vehicle drive to be prompted
Information.
Preferably, the prompt output module is also used to:
According to vehicle insurance Claims Resolution event information, obtains each risk zones and casualties number caused by traffic accident occurs,
And casualties number caused by traffic accident will occur and be greater than the risk zones of default number as high risk region；
When the prediction wheelpath of vehicle passes through high risk region, output prompt user bypasses the vehicle in high risk area
Drive prompt information.
Preferably, the prompt output module is also used to:
When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive of output prompt user's careful driving
Prompt information, wherein ordinary risk region is the risk area that casualties number caused by traffic accident occurs and is less than default number
Domain.
Preferably, the running information includes history wheelpath, driving azimuth, running speed, and the track generates
Module is used for:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
The present invention is by when detecting vehicle insurance Claims Resolution alarm command, obtaining the current of the vehicle for vehicle insurance Claims Resolution service
Position；Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains the traffic lines from vehicle insurance Claims Resolution center
Road and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；According to vehicle insurance Claims Resolution event letter
Breath counts and damages journey in the vehicle that the case-involving vehicle of traffic accident occurs for each section of the traffic route and each intersection
Degree；The vehicle damage degree that the case-involving vehicle of traffic accident occurs is greater than to section and/or the intersection of the traffic route of predeterminable level
Crossing is as risk zones；The corresponding warning information of risk zones is exported, the vehicle insurance Claims Resolution knowable generation traffic of staff is made
The higher risk zones position of accident probability can substantially infer that position occurs for traffic accident, so that staff can drive
It sails and travels or await orders near risk zones for the vehicle of vehicle insurance Claims Resolution service, can quickly be arrived when traffic accident occurs
Position occurs up to traffic accident, improves staff and reaches traffic accident generation position faster to handle accident in time, dredge
The probability of traffic significantly avoids long-time traffic congestion caused by due to traffic accident occurs.
Detailed description of the invention
Fig. 1 is the flow diagram of vehicle insurance of the present invention Claims Resolution one embodiment of method for early warning；
Fig. 2 is the flow diagram of the vehicle insurance of the present invention Claims Resolution another embodiment of method for early warning；
Fig. 3 is the refinement flow diagram of mono- embodiment of step S52 in Fig. 2；
Fig. 4 is the functional block diagram of vehicle insurance of the present invention Claims Resolution one embodiment of prior-warning device；
Fig. 5 is the functional block diagram of the vehicle insurance of the present invention Claims Resolution another embodiment of prior-warning device.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of vehicle insurance Claims Resolution method for early warning, in vehicle insurance of the present invention Claims Resolution one embodiment of method for early warning, ginseng
According to Fig. 1, vehicle insurance Claims Resolution method for early warning includes:
Step S10 obtains the present bit of the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
It sets；
Vehicle insurance Claims Resolution alarm command can be vehicle and voluntarily generate, and such as in user (such as car owner) starting vehicle, (vehicle is
Refer to the vehicle for vehicle insurance Claims Resolution service) when, vehicle voluntarily generates vehicle insurance Claims Resolution alarm command；Vehicle insurance settles a claim alarm command can also
To be that user inputs, such as drives in vehicle travel process in user, user needs vehicle to provide and drives prompt, and starting vehicle is driven
When sailing the function key of indoor setting, the vehicle for vehicle insurance Claims Resolution service generates vehicle insurance Claims Resolution alarm command.
When the car-mounted terminal of vehicle detects vehicle insurance Claims Resolution alarm command, starting vehicle insurance Claims Resolution modes of warning is based on GPS
(Global Positioning System, global positioning system) or the Big Dipper positioning system, obtain the current location of vehicle,
Feeling current location can be latitude and longitude information, information of place names etc..
Step S20 obtains traffic route and intersection in the pre-determined distance of current location, and obtains from vehicle insurance Claims Resolution center
The traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；
Traffic route includes turnpike road, minor road, avenue, expressway, national highway etc., i.e., traffic route refers to position
In city or suburbs and the road for capableing of passing vehicle；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Generally there is urban traffic map in the car-mounted terminal of vehicle, includes each traffic route and friendship in urban traffic map
Cross road mouth obtains current location circumference pre-determined distance centered on the current location where vehicle (such as pre-determined distance is 1 kilometer)
Interior all traffic routes and intersection.
When people's vehicle accident and vehicle and vehicle accident occurs, vehicle insurance Claims Resolution staff can rush towards scene at the first time and carry out thing
Part handles and acquires vehicle insurance Claims Resolution temporal information, and vehicle insurance Claims Resolution temporal information includes the personal information of accident, information of vehicles, Claims Resolution
Information, information responsible, casualty situations etc., personal information include accident both sides or multi-party personnel of driving identity, passenger body
Part, pedestrian's identity etc.；Information of vehicles includes vehicle damage degree, license plate number, vehicle model of the case-involving vehicle of accident etc.；Claims Resolution letter
Breath includes amount for which loss settled, Claims Resolution benefited party's information, Claims Resolution loss side's information etc.；Information responsible includes cause of accident, accident responsibility
Square information etc.；Casualty situations include that accident causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is generally protected
On the server (i.e. vehicle insurance Claims Resolution center) that can be inquired there are all insurance companies or insurer.
The car-mounted terminal of vehicle is being got in the pre-determined distance of current location behind traffic route and intersection, is managed from vehicle insurance
Compensation center download in real time acquisition traffic route is related to intersection and the traffic accident pair that occurs in past preset duration
The vehicle insurance Claims Resolution event information answered, that is, obtain and the traffic in acquisition occur in past preset duration (such as in past one month)
The corresponding vehicle insurance Claims Resolution event information of the traffic accident of route and intersection.
Step S30 obtains each section in the traffic route and each crossroad according to vehicle insurance Claims Resolution event information
The vehicle that the case-involving vehicle of traffic accident occurs for mouth damages degree；
In urban transportation figure, each traffic route is divided into multiple sections according to factors such as distance, landform, place names, each
Section and intersection are provided with corresponding number, according to the vehicle insurance of acquisition Claims Resolution event information, count in past preset duration
The vehicle that the case-involving vehicle of traffic accident occurs for each section of inherent traffic route and each intersection damages degree, wherein sending out
The damage degree of the raw case-involving vehicle of traffic accident is higher, shows that accident is more serious, what corresponding road section or intersection vehicle were opened
Accident rate is higher.Vehicle damage degree is damaged by the evaluating center of profession to case-involving vehicle after accident generation
Ruin degree identification, vehicle damage degree can be marked by percentage, can also with level-one, second level ... the grading rower of .N
Note.
The vehicle damage degree of case-involving vehicle is greater than section and/or the intersection of the traffic route of predeterminable level by step S40
Crossing is as risk zones；
The numerical values recited of predeterminable level can be set according to demand, such as the driver (such as car owner) of vehicle is that have to drive for many years
The old driver for sailing experience, control ability to vehicle and stronger to real-time road ability to predict, then predeterminable level can suitably increase；
Such as the current location of vehicle is in western remote districts, road is wider, vehicle is less, then predeterminable level can also suitably increase.
The vehicle damage degree that the case-involving vehicle of traffic accident occurs for each section and each intersection is compared with predeterminable level,
The vehicle damage degree that the case-involving vehicle of traffic accident occurs is greater than to the section and/or intersection of the traffic route of predeterminable level
As risk zones, risk zones, which show to travel in this region, has certain risk, with higher compared to normal areas
Accident rate, wherein normal areas is that the vehicle damage degree of the case-involving vehicle of traffic accident occurs less than or equal to default journey
The section and/or intersection of the traffic route of degree.When the vehicle that the case-involving vehicle of traffic accident occurs for some risk area damages journey
Degree is higher, and the traffic accident for showing that this risk zones occurs is more serious, which damages degree can be in past preset duration
The average traffic of all traffic accidents occurred in the risk zones damages degree.
Step S50, the corresponding warning information of output risk zones, the warning information include the position letter where risk zones
The information warning for ceasing, the vehicle driver being warned to pay close attention to risk zones.
After determining risk zones, the location information and warning vehicle driver's concern wind where risk zones are exported
The information warning in danger zone domain, vehicle insurance settle a claim the higher risk zones institute of the knowable generation traffic accident probability of staff in place
It sets, can substantially infer that position occurs for traffic accident, so that staff can drive the vehicle for vehicle insurance Claims Resolution service in wind
Dangerous areas adjacent traveling is awaited orders, and traffic accident can be arrived more quickly at when traffic accident occurs, position occurs, improve work
Make personnel and faster reach probability of the traffic accident generation position to handle accident in time, relieve traffic congestion, significantly avoids because occurring
Traffic accident and caused by long-time traffic congestion.
In the present embodiment, by obtaining the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
Current location；Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains institute from vehicle insurance Claims Resolution center
State traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；It is managed according to vehicle insurance
Event information is paid for, counts and the vehicle of the case-involving vehicle of traffic accident occurs in each section of the traffic route and each intersection
Damage degree；The vehicle damage degree that the case-involving vehicle of traffic accident occurs is greater than to the section of the traffic route of predeterminable level
And/or intersection is as risk zones；The corresponding warning information of risk zones is exported, keeps vehicle insurance Claims Resolution staff knowable
The higher risk zones position of traffic accident probability occurs, can substantially infer that position occurs for traffic accident, to work
Personnel, which can drive, to travel or awaits orders near risk zones for the vehicle of vehicle insurance Claims Resolution service, can be with when traffic accident occurs
It arrives more quickly at traffic accident and position occurs, improve staff and reach traffic accident generation position faster to handle thing in time
Therefore the probability to relieve traffic congestion, significantly avoid long-time traffic congestion caused by due to traffic accident occurs.
Further, after reference Fig. 2, step S50 further include:
Step S51 obtains the current running information of vehicle, and according to the current location of vehicle and running information, generates vehicle
Prediction wheelpath；
Obtain the running information of vehicle, it is contemplated that obtain the primary wheelpath of vehicle, then rising primary wheelpath
Beginning is connected with current location, to generate the prediction wheelpath of vehicle.
Specifically, running information include history wheelpath, driving azimuth, running speed,
Step S51 includes:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Supplemented by assistant solve above content, to specific embodiment illustrate, according to the driving azimuth of vehicle and driving
Speed obtains setting the primary wheelpath in prediction duration apart from current time, is calculated and prolonged according to history wheelpath
Wheelpath is stretched, the intermediate track for taking primary wheelpath and extending between wheelpath is used as prediction wheelpath, mid-rail
Mark is track midpoint line, the track midpoint be primary wheelpath with extension wheelpath in various time points two it is corresponding
The midpoint of point line.
Step S52 exports vehicle drive prompt information when the prediction wheelpath of vehicle passes through risk zones.
After determining risk zones, vehicle drive prompt information relevant to risk zones, vehicle drive prompt letter are exported
Breath may include one of audio, video, vibration, picture or a variety of.After the prediction wheelpath for generating vehicle, vehicle is judged
Prediction wheelpath whether pass through risk zones, when determine vehicle prediction wheelpath pass through risk zones when, show vehicle
Generation people's vehicle accident, vehicle and vehicle accident probability will improve, vehicle drive prompt information is exported, to remind vehicle drive
Member, which cheers up, pays attention to road conditions to avoid accident generation.
Preferably, include: referring to Fig. 3, step S52
Step S521 obtains each risk zones and people caused by traffic accident occurs according to vehicle insurance Claims Resolution event information
Member's injures and deaths number, and casualties number caused by traffic accident will occur and be greater than the risk zones of default number as high risk
Region；
According to the corresponding section number of risk zones or intersection number, preset duration in the past is obtained from vehicle insurance Claims Resolution center
Interior vehicle insurance Claims Resolution event information obtains each risk zones generation traffic accident and is produced according to vehicle insurance Claims Resolution event information
Each risk zones casualties number caused by traffic accident and compare with default number by raw casualties number occur
Compared with the risk zones using casualties number greater than default number are as high risk region.Casualties caused by traffic accident
Number is usually to carry out accurate statistics by traffic police department or insurance company, which can be a certain section or intersection
The casualties number summation of personnel caused by traffic accident occurs in preset duration, or certain a road section or intersection
Every Accident causes the average casualties number of personnel in preset duration.When traffic accident institute occurs for some risk area
The casualties number of generation is higher, and the traffic accident for showing that this risk zones occurs is more serious, and traffic thing occurs for this risk zones
Therefore probability it is higher.
Step S522, when the prediction wheelpath of vehicle passes through high risk region, output prompt user is around high-risk
The vehicle drive prompt information of risk area.
When the prediction wheelpath for determining vehicle passes through high risk region, show generation people's vehicle accident, the vehicle of vehicle
It is significantly promoted with the probability of vehicle accident, reminds vehicle driver to cheer up and notice that road conditions, careful driving are inadequate, need defeated
Prompt user bypasses the vehicle drive prompt information in high risk region out, i.e. prompting vehicle driver bypasses high risk area
Domain such as provides another kind and arrives at the destination and effectively circumvent the traffic route in high risk region, to stop high risk area is overseas
It stays or travels, so that avoiding user from undertaking occurs people's vehicle accident, the high risk of vehicle and vehicle accident, improve the safety of vehicle drive
Property.Meanwhile the vehicle flowrate in high risk region is also reduced, high risk region is reduced indirectly, and the general of traffic accident occurs
Rate, over time, high risk region may be downgraded to ordinary risk region.
In addition, after step S521 further include:
Step S523, when the prediction wheelpath of vehicle passes through ordinary risk region, output prompt user's careful driving
Vehicle drive prompt information, wherein ordinary risk region is that casualties number caused by traffic accident occurs to be less than default people
Several risk zones.
Ordinary risk region is the risk that casualties number caused by traffic accident occurs and is less than or equal to default number
Region shows that driver drives vehicle by common when detecting the prediction wheelpath of vehicle by ordinary risk region
When risk zones, it should be noted that road conditions, careful driving, and it is possible to prevente effectively from traffic accident, mentions so exporting at this time
Show the vehicle drive prompt information of user's careful driving, such as the voice prompting of output " careful driving pays attention to road conditions ", to avoid
User, which undertakes, occurs people's vehicle accident, the high risk of vehicle and vehicle accident, improves the safety of vehicle drive.Meanwhile if all vehicles
Driver when by ordinary risk region, can pay attention to road conditions, careful driving, traffic accident occurs for ordinary risk region
Probability also will be greatly reduced, to both realize that vehicle is settled a claim the early warning of relevant risk zones, also ensured that vehicle insurance is settled a claim
Service the traffic safety of special-purpose vehicle.
It settles a claim prior-warning device the present invention also provides a kind of vehicle insurance, referring to Fig. 4, vehicle insurance is settled a claim, and prior-warning device is settable and vehicle
Car-mounted terminal in, vehicle insurance Claims Resolution prior-warning device include:
Position acquisition module 10, for obtaining for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
The current location of vehicle；
Vehicle insurance Claims Resolution alarm command can be vehicle and voluntarily generate, and such as in user (such as car owner) starting vehicle, (vehicle is
Refer to the vehicle for vehicle Claims Resolution service) when, vehicle voluntarily generates vehicle insurance Claims Resolution alarm command；Vehicle insurance settles a claim alarm command can also
To be that user inputs, such as drives in vehicle travel process in user, user needs vehicle to provide and drives prompt, and starting vehicle is driven
When sailing the function key of indoor setting, the vehicle for vehicle insurance Claims Resolution service generates vehicle insurance Claims Resolution alarm command.
When position acquisition module 10 detects vehicle insurance Claims Resolution alarm command, starting vehicle insurance Claims Resolution modes of warning is based on GPS
(Global Positioning System, global positioning system) or the Big Dipper positioning system, obtain the current location of vehicle,
Feeling current location can be latitude and longitude information, information of place names etc..
Data obtaining module 20, for obtaining traffic route and intersection in the pre-determined distance of current location, and from vehicle insurance
Claims Resolution center obtain the traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event
Information；
Traffic route includes turnpike road, minor road, avenue, expressway, national highway etc., i.e., traffic route refers to position
In city or suburbs and the road for capableing of passing vehicle；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Generally there is urban traffic map in the car-mounted terminal of vehicle, includes each traffic route and friendship in urban traffic map
Cross road mouth, centered on the current location where vehicle, data obtaining module 20 obtains current location circumference pre-determined distance (as in advance
If distance be 1 kilometer) in all traffic routes and intersection.
When people's vehicle accident and vehicle and vehicle accident occurs, vehicle insurance Claims Resolution staff can rush towards scene at the first time and carry out thing
Part handles and acquires vehicle insurance Claims Resolution temporal information, and vehicle insurance Claims Resolution temporal information includes the personal information of accident, information of vehicles, Claims Resolution
Information, information responsible, casualty situations etc., personal information include accident both sides or multi-party personnel of driving identity, passenger body
Part, pedestrian's identity etc.；Information of vehicles includes vehicle damage degree, license plate number, vehicle model of the case-involving vehicle of accident etc.；Claims Resolution letter
Breath includes amount for which loss settled, Claims Resolution benefited party's information, Claims Resolution loss side's information etc.；Information responsible includes cause of accident, accident responsibility
Square information etc.；Casualty situations include that accident causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is generally protected
On the server (i.e. vehicle insurance Claims Resolution center) that can be inquired there are all insurance companies or insurer.
Data obtaining module 20 is being got in the pre-determined distance of current location behind traffic route and intersection, is managed from vehicle insurance
Compensation center download in real time acquisition traffic route is related to intersection and the traffic accident pair that occurs in past preset duration
The vehicle insurance Claims Resolution event information answered, that is, obtain and the traffic in acquisition occur in past preset duration (such as in past one month)
The corresponding vehicle insurance Claims Resolution event information of the traffic accident of route and intersection.
Statistical module 30 obtains in each section of the traffic route and each for being settled a claim event information according to vehicle insurance
The vehicle that the case-involving vehicle of traffic accident occurs for a intersection damages degree；
In urban transportation figure, each traffic route is divided into multiple sections according to factors such as distance, landform, place names, each
Section and intersection are provided with corresponding number, and statistical module 30 is counted according to the vehicle insurance of acquisition Claims Resolution event information in mistake
It goes in preset duration that the vehicle damage of the case-involving vehicle of traffic accident occurs in each section of traffic route and each intersection
Degree shows that accident is more serious, corresponding road section or intersection wherein the damage degree that the case-involving vehicle of traffic accident occurs is higher
The accident rate that vehicle was opened is higher.Vehicle damage degree is after accident generation, by the evaluating center of profession to case-involving
Vehicle carries out damage degree identification, and vehicle damage degree can be marked by percentage, can also with level-one, second level ... .N
Grade is marked.
Definition module 40, the section of the traffic route for the vehicle damage degree of case-involving vehicle to be greater than to predeterminable level
And/or intersection is as risk zones；
The numerical values recited of predeterminable level can be set according to demand, such as the driver (such as car owner) of vehicle is that have to drive for many years
The old driver for sailing experience, control ability to vehicle and stronger to real-time road ability to predict, then predeterminable level can suitably increase；
Such as the current location of vehicle is in western remote districts, road is wider, vehicle is less, then predeterminable level can also suitably increase.
The vehicle damage degree and default journey of the case-involving vehicle of traffic accident are occurred for each section and each intersection by definition module 40
Degree is compared, and the vehicle damage degree that the case-involving vehicle of traffic accident occurs is greater than the traffic lines of predeterminable level by definition module 40
As risk zones, risk zones, which show to travel in this region, has certain risk in the section and/or intersection on road, compares
In normal areas accident rate with higher, wherein normal areas is that the vehicle damage of the case-involving vehicle of traffic accident occurs
Degree is less than or equal to the section and/or intersection of the traffic route of predeterminable level.When traffic accident occurs for some risk area
The vehicle damage degree of case-involving vehicle is higher, and the traffic accident for showing that this risk zones occurs is more serious, which damages degree
Degree can be damaged for the average traffic of all traffic accidents occurred in the risk zones in past preset duration.
Early warning output module 50, for exporting the corresponding warning information of risk zones, which includes risk zones
The location information at place, the warning vehicle driver pay close attention to the information warning of risk zones.
Early warning output module 50, after determining risk zones, described in the location information and warning where output risk zones
Vehicle driver pays close attention to the information warning of risk zones, and the vehicle insurance Claims Resolution knowable generation traffic accident probability of staff is higher
Risk zones position can substantially infer that position occurs for traffic accident, settle a claim so that staff can drive for vehicle insurance
The vehicle of service is travelled or is awaited orders near risk zones, can arrive more quickly at traffic accident when traffic accident occurs
Position improves staff and faster reaches probability of the traffic accident generation position to handle accident in time, relieve traffic congestion, substantially
Degree avoids long-time traffic congestion caused by due to traffic accident occurs.
In the present embodiment, it obtains when detecting vehicle insurance Claims Resolution alarm command by position acquisition module 10 and is used for vehicle
The current location of the vehicle of danger Claims Resolution service；Data obtaining module 20 obtains traffic route and intersection in the pre-determined distance of current location
Crossing, and the traffic route is obtained from vehicle insurance Claims Resolution center and intersection is relevant and occur in past preset duration
Vehicle insurance Claims Resolution event information；Statistical module 30 is counted according to vehicle insurance Claims Resolution event information in each section of the traffic route
The vehicle that the case-involving vehicle of traffic accident occurs with each intersection damages degree；It is case-involving that traffic accident will occur for definition module 40
The section and/or intersection that the vehicle damage degree of vehicle is greater than the traffic route of predeterminable level are as risk zones；Early warning
Output module 50 exports the corresponding warning information of risk zones, makes the vehicle insurance Claims Resolution knowable generation traffic accident probability of staff
Higher risk zones position can substantially infer that position occurs for traffic accident, so that staff can drive for vehicle
The vehicle of danger Claims Resolution service is travelled or is awaited orders near risk zones, can arrive more quickly at traffic thing when traffic accident occurs
Therefore occur position, improve staff faster reach traffic accident occur position it is general to handle accident in time, relieve traffic congestion
Rate significantly avoids long-time traffic congestion caused by due to traffic accident occurs.
Further, referring to Fig. 5, the vehicle insurance Claims Resolution prior-warning device further include:
Track generation module 51, for obtaining the current running information of vehicle, and according to the current location of vehicle and driving
Information generates the prediction wheelpath of vehicle；
The running information of the acquisition vehicle of track generation module 51, it is contemplated that the primary wheelpath for obtaining vehicle, it then will be first
The starting point of grade wheelpath is connected with current location, to generate the prediction wheelpath of vehicle.
Specifically, running information includes history wheelpath, driving azimuth, running speed, the track generation module
51 are used for:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Supplemented by assistant solve above content, illustrated to specific embodiment, track generation module 51 is according to the row of vehicle
Vehicle azimuth and running speed obtain setting the primary wheelpath in prediction duration, track generation module apart from current time
51 calculate to obtain extension wheelpath according to history wheelpath, take primary wheelpath and extend the centre between wheelpath
Track is as prediction wheelpath, and intermediate track is track midpoint line, and primary wheelpath is in the track midpoint and extends row
The midpoint of wheel paths two corresponding points lines in various time points.
Output module 52 is prompted, for when the prediction wheelpath of vehicle passes through risk zones, output vehicle drive to be mentioned
Show information.
After determining risk zones, vehicle drive prompt information relevant to risk zones, vehicle drive prompt letter are exported
Breath may include one of audio, video, vibration, picture or a variety of.After the prediction wheelpath for generating vehicle, output is prompted
Module 52 judges whether the prediction wheelpath of vehicle passes through risk zones, when the prediction wheelpath for determining vehicle passes through risk
When region, shows that the probability of generation people's vehicle accident of vehicle, vehicle and vehicle accident will improve, exports vehicle drive prompt information,
Pay attention to road conditions to avoid accident generation to remind vehicle driver to cheer up.
Preferably, prompt output module 52 is also used to:
According to vehicle insurance Claims Resolution event information, obtains each risk zones and casualties number caused by traffic accident occurs,
And casualties number caused by traffic accident will occur and be greater than the risk zones of default number as high risk region；
When the prediction wheelpath of vehicle passes through high risk region, output prompt user bypasses the vehicle in high risk area
Drive prompt information.
It prompts output module 52 to be numbered according to the corresponding section number of risk zones or intersection, is obtained from vehicle insurance Claims Resolution center
Vehicle insurance Claims Resolution event information in the preset duration of taking over, prompts output module 52 according to vehicle insurance Claims Resolution event information, obtains
Casualties number caused by traffic accident occurs for each risk zones, and output module 52 is prompted to hand over each risk zones
Casualties number caused by interpreter's event is compared with default number, and casualties number is greater than to the risk zones of default number
As high risk region.Casualties number caused by traffic accident is usually accurately to be united by traffic police department or insurance company
Meter, the casualties number can be the people that personnel caused by traffic accident occur in preset duration for a certain section or intersection
Member's injures and deaths number summation, or certain a road section or intersection every Accident in preset duration cause putting down for personnel
Equal casualties number.When some risk area occur traffic accident caused by casualties number it is higher, show this risk zones send out
Raw traffic accident is more serious, and the probability that traffic accident occurs for this risk zones is higher.
When the prediction wheelpath for determining vehicle passes through high risk region, show generation people's vehicle accident, the vehicle of vehicle
It is significantly promoted with the probability of vehicle accident, prompts output module 52 that vehicle driver is reminded to cheer up and pay attention to road conditions, carefully drive
The vehicle drive prompt information that not enough, need to prompt the output prompt user of output module 52 to bypass high risk region is sailed, i.e.,
Vehicle driver is reminded to bypass high risk region, as offer another kind arrives at the destination and effectively circumvents high risk region
Traffic route, in the overseas stop of high risk area or traveling, so that avoiding user from undertaking occurs people's vehicle accident, vehicle and vehicle accident
High risk improves the safety of vehicle drive.Meanwhile the vehicle flowrate in high risk region is also reduced, it reduces indirectly
The probability of traffic accident occurs for high risk region, and over time, high risk region may be downgraded to ordinary risk
Region.
In addition, prompt output module 52 is also used to:
When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive of output prompt user's careful driving
Prompt information, wherein ordinary risk region is the risk area that casualties number caused by traffic accident occurs and is less than default number
Domain.
Ordinary risk region is the risk that casualties number caused by traffic accident occurs and is less than or equal to default number
Region shows that driver drives vehicle by common when detecting the prediction wheelpath of vehicle by ordinary risk region
When risk zones, it should be noted that road conditions, careful driving, and it is possible to prevente effectively from traffic accident, so prompting at this time defeated
The language of the vehicle drive prompt information of the output of module 52 prompt user's careful driving out, such as output " careful driving pays attention to road conditions "
Sound prompt improves the safety of vehicle drive so that avoiding user from undertaking occurs people's vehicle accident, the high risk of vehicle and vehicle accident
Property.Meanwhile if the driver of all vehicles can pay attention to road conditions, careful driving, ordinary risk when by ordinary risk region
The probability that traffic accident occurs for region also will be greatly reduced, thus both realized that vehicle was settled a claim the early warning of relevant risk zones,
Also ensure the traffic safety of vehicle insurance Claims Resolution service special-purpose vehicle.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Be engaged in device, air conditioner or the network equipment etc.) method that executes each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (6)
- The method for early warning 1. a kind of vehicle insurance is settled a claim, which is characterized in that the vehicle insurance Claims Resolution method for early warning includes:When detecting vehicle insurance Claims Resolution alarm command, the current location of the vehicle for vehicle insurance Claims Resolution service is obtained；Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains the traffic route from vehicle insurance Claims Resolution center Vehicle insurance Claims Resolution event information relevant with intersection and occurring in past preset duration；According to vehicle insurance Claims Resolution event information, obtains and traffic thing occurs in each section of the traffic route and each intersection Therefore the vehicle of case-involving vehicle damages degree；The section and/or intersection that the vehicle of case-involving vehicle damage degree is greater than the traffic route of predeterminable level are as risk Region；Export the corresponding warning information of risk zones, which includes location information where risk zones, described in warning The information warning of vehicle driver's concern risk zones；After the step of output risk zones corresponding warning information further include:The current running information of the vehicle is obtained, the running information includes history wheelpath, driving azimuth, driving speed Degree obtains setting the primary driving rail in prediction duration apart from current time according to the driving azimuth of vehicle and running speed Mark；Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；The intermediate track for taking primary wheelpath and extending between wheelpath is used as prediction wheelpath, and intermediate track is track Midpoint line, the track midpoint are primary wheelpath and extension wheelpath two corresponding points lines in various time points Midpoint；When the prediction wheelpath of vehicle passes through risk zones, vehicle drive prompt information is exported.
- The method for early warning 2. vehicle insurance as described in claim 1 is settled a claim, which is characterized in that described when the prediction wheelpath of vehicle passes through When crossing risk zones, export vehicle drive prompt information the step of include:It according to vehicle insurance Claims Resolution event information, obtains each risk zones and casualties number caused by traffic accident occurs, and will Casualties number caused by traffic accident occurs and is greater than the risk zones of default number as high risk region；When the prediction wheelpath of vehicle passes through high risk region, output prompt user drives around the vehicle in high risk area Sail prompt information.
- The method for early warning 3. vehicle insurance as claimed in claim 2 is settled a claim, which is characterized in that it is described to be settled a claim event information according to vehicle insurance, It obtains each risk zones and casualties number caused by traffic accident occurs, and the wound of personnel caused by traffic accident will occur Number is died to be greater than after the step of risk zones of default number are as high risk region further include:When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive prompt of output prompt user's careful driving Information, wherein ordinary risk region is the risk zones that casualties number caused by traffic accident occurs and is less than default number.
- The prior-warning device 4. a kind of vehicle insurance is settled a claim, which is characterized in that the vehicle insurance Claims Resolution prior-warning device includes:Position acquisition module, for when detecting vehicle insurance Claims Resolution alarm command, obtaining the vehicle for vehicle insurance Claims Resolution service Current location；Data obtaining module, for obtaining traffic route and intersection in the pre-determined distance of current location, and from vehicle insurance Claims Resolution The heart obtain the traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；Statistical module, for obtaining each section in the traffic route and each intersection according to vehicle insurance Claims Resolution event information The vehicle that the case-involving vehicle of traffic accident occurs for crossing damages degree；Definition module, for the vehicle damage degree of case-involving vehicle to be greater than to section and/or the friendship of the traffic route of predeterminable level Cross road mouth is as risk zones；Early warning output module, for exporting the corresponding warning information of risk zones, where which includes risk zones Location information, the warning vehicle driver pay close attention to the information warning of risk zones;The vehicle insurance Claims Resolution prior-warning device further include:Track generation module, it is raw for obtaining the current running information of vehicle, and according to the current location of vehicle and running information At the prediction wheelpath of vehicle；Output module is prompted, for exporting vehicle drive prompt information when the prediction wheelpath of vehicle passes through risk zones；The running information includes history wheelpath, driving azimuth, running speed, and the track generation module is used for:According to the driving azimuth of vehicle and running speed, obtain setting the primary driving rail in prediction duration apart from current time Mark；Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；The intermediate track for taking primary wheelpath and extending between wheelpath is used as prediction wheelpath, and intermediate track is track Midpoint line, the track midpoint are primary wheelpath and extension wheelpath two corresponding points lines in various time points Midpoint.
- The prior-warning device 5. vehicle insurance as claimed in claim 4 is settled a claim, which is characterized in that the prompt output module is also used to:It according to vehicle insurance Claims Resolution event information, obtains each risk zones and casualties number caused by traffic accident occurs, and will Casualties number caused by traffic accident occurs and is greater than the risk zones of default number as high risk region；When the prediction wheelpath of vehicle passes through high risk region, output prompt user drives around the vehicle in high risk area Sail prompt information.
- The prior-warning device 6. vehicle insurance as claimed in claim 5 is settled a claim, which is characterized in that the prompt output module is also used to:When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive prompt of output prompt user's careful driving Information, wherein ordinary risk region is the risk zones that casualties number caused by traffic accident occurs and is less than default number.
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| CN112069888B (en) * | 2020-07-31 | 2024-03-22 | 深圳市金溢科技股份有限公司 | Vehicle checking method and system, road side equipment, vehicle-mounted equipment and handheld terminal |
| CN112767179B (en) * | 2021-01-11 | 2022-07-19 | 上海瀚之友信息技术服务有限公司 | Monitoring and early warning method and system for vehicle insurance value-added service |
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| US6590507B2 (en) * | 2001-03-05 | 2003-07-08 | Hrl Laboratories, Llc | Method and system for providing personalized traffic alerts |
| JP5113543B2 (en) * | 2008-01-25 | 2013-01-09 | 富士重工業株式会社 | Vehicle traveling path estimation device |
| CN103366590A (en) * | 2012-04-06 | 2013-10-23 | 上海博泰悦臻电子设备制造有限公司 | Information inquiry system and method based on vehicle-mounted terminal |
| CN104050822B (en) * | 2014-06-04 | 2016-05-25 | 江苏大学 | A kind of expressway traffic accident is easily sent out early warning system a little |
| CN105788311A (en) * | 2014-12-26 | 2016-07-20 | 比亚迪股份有限公司 | Vehicle safety early warning method, apparatus and vehicle |
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