CN107103549A - A kind of settlement of insurance claim system and method - Google Patents

A kind of settlement of insurance claim system and method Download PDF

Info

Publication number
CN107103549A
CN107103549A CN201710232890.2A CN201710232890A CN107103549A CN 107103549 A CN107103549 A CN 107103549A CN 201710232890 A CN201710232890 A CN 201710232890A CN 107103549 A CN107103549 A CN 107103549A
Authority
CN
China
Prior art keywords
module
data
insurance
vehicle
vehicle insurance
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201710232890.2A
Other languages
Chinese (zh)
Inventor
李榕
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Wuhan Huachuang Sinvan Technology Co Ltd
Original Assignee
Wuhan Huachuang Sinvan Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Wuhan Huachuang Sinvan Technology Co Ltd filed Critical Wuhan Huachuang Sinvan Technology Co Ltd
Priority to CN201710232890.2A priority Critical patent/CN107103549A/en
Publication of CN107103549A publication Critical patent/CN107103549A/en
Pending legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to from vehicle insurance settle a claim technical field, especially a kind of settlement of insurance claim system, including vehicle insurance administrative center and multiple user terminals, vehicle insurance administrative center can carry out overall management and control to system, multiple user terminals are separately positioned in the smart mobile phone of different vehicle insurance users, multiple user terminals are connected to vehicle insurance administrative center by wireless communication module signal, for by data transferring, the vehicle insurance administrative center is connected with cloud database and payment terminal by internet signal, cloud database is used to store the total data produced by during vehicle insurance is settled a claim, payment terminal is used to terminate to return money to the vehicle insurance user to be settled a claim in Claims Resolution, the payment terminal is also connected to the user terminal of vehicle insurance user by radio communication mold block signal.Present invention also offers a kind of settlement of insurance claim method.The system is simple in construction, can wide popularization and application, and by car owner add Claims Resolution link in, can make its understand Claims Resolution real-time dynamic.

Description

A kind of settlement of insurance claim system and method
Technical field
The present invention relates to vehicle insurance Claims Resolution technical field, more particularly to a kind of settlement of insurance claim system and method.
Background technology
Automobile, i.e., itself there is power to be driven, and be not necessary to, according to track or electric power erection, be able to the vehicle of powered travel. In broad terms, the vehicle travelled with four-wheel, universal many referred to as automobiles.Significantly increase with the owning amount of automobile, it is adjoint And come be numberless vehicle damage situation, therefore, vehicle insurance of just having arisen at the historic moment industry, traditional insurance settle a claim when, user Need to be confirmed whether to meet settlement of insurance claim standard, complicated, the different Claims Resolution assistant director of Claims Resolution program by the form of phone or fax Understand differently cause to the clause of Claims Resolution, it is also possible to causes the standard of Claims Resolution inconsistent, causes great inconvenience to user, it is impossible to solve Certainly Claims Resolution assistant director need to audit to occurring actual investigate in the place of traffic accident, and insurance company need to spend substantial amounts of human and material resources to provide Source is gone to handle Traffic Accidents, and its timeliness speed of settling a claim is slow, and Claims Resolution process is complicated, it is impossible to improve Claims Resolution management link, therefore, Propose a kind of settlement of insurance claim system and method.
The content of the invention
The invention aims to solve shortcoming present in prior art, and a kind of settlement of insurance claim system for proposing and Its method.
To achieve these goals, present invention employs following technical scheme:
A kind of settlement of insurance claim system, including vehicle insurance administrative center and multiple user terminals are designed, vehicle insurance administrative center can be right System carries out overall management and control, and multiple user terminals are separately positioned in the smart mobile phone of different vehicle insurance users, and multiple user terminals lead to Cross wireless communication module signal and be connected to vehicle insurance administrative center, for by data transferring, the vehicle insurance administrative center to pass through Internet signal is connected with cloud database and payment terminal, and cloud database is used to store the whole produced by during vehicle insurance is settled a claim Data, payment terminal is used to terminate to return money to the vehicle insurance user to be settled a claim in Claims Resolution, and the payment terminal also passes through channel radio Letter module by signal is connected to the user terminal of vehicle insurance user.
It is preferred that, central processing unit and message recipient, and message recipient electricity are provided with the vehicle insurance administrative center Property be connected to central processing unit, the central processing unit is electrically connected with data acquisition module, data processing module and data point Module is analysed, and data acquisition module is electrically connected at data processing module, the data processing module is electrically connected at data point Module is analysed, and data analysis module is electrically connected with data comparison module, data comparison module passes through data extraction module signal Cloud database is connected to, data comparison module is electrically connected at central processing unit, the center processing with data extraction module Device is also electrically connected with display screen, Claims Resolution grade module and automatic performing module, and Claims Resolution grade module is electrically connected at automatically Performing module, automatic performing module is connected to payment terminal by internet signal.
It is preferred that, the central processing unit, which is also electrically connected with, is automatically reminded to module and data temporary storage module, and data are temporary Storing module is electrically connected at message recipient and data acquisition module, and the module that is automatically reminded to is electrically connected at the temporary mould of data Block.
It is preferred that, the central processing unit is also electrically connected with information logging modle, and information logging modle is electrically connected with There is data categorization module, data categorization module is connected to cloud database by internet signal.
It is preferred that, the wireless communication module is specially 3G module, 4G modules either WIFI module.
A kind of settlement of insurance claim method, comprises the following steps:
S1, vehicle insurance client log in the vehicle insurance account of oneself by user terminal, and determine whether account is accurate;
S2, the corrupted picture and the comprehensive video of vehicle that vehicle is shot by car owner by smart mobile phone, also vehicle are all The environment enclosed, and data are carried out with self preservation, then data remote transmission to vehicle insurance is managed by wireless communication module Center, vehicle insurance user can drive to leave;
Data receiver is stored in data temporary storage module by the information inside S3, vehicle insurance administrative center, at the same time far Cheng Tongzhi vehicle insurances user is to start to accept;
S4, by data collecting module collected damaged vehicle data, and to damaged data handled and analyzed, to sentence The authenticity of disconnected damaged data, the serious conditions with damaged vehicle, the base of client is extracted by central processing unit to cloud database The initial data of this information, product value and vehicle, multi-faceted to the progress of its damaged vehicle situation checks, analyzes with handling, So as to judge the impaired grade of vehicle;
S5, by data comparison module to conventional vehicle insurance settle a claim situation transferred and analyzed, with ensure settle a claim it is reasonable Property, and final Claims Resolution grade and related amount for which loss settled are determined by grade module of settling a claim, and have long-range by its information transfer Into the user terminal of vehicle insurance user, so that it is consulted, if satisfied, and authorization electronic signature;
S6, replied after, central processing unit controls automatic performing module to transmit amount for which loss settled to payment terminal, pays Terminal goes to settling fee in the user terminal of vehicle insurance client from insurance company account, after the completion of settlement of insurance claim reimbursement of expense, is Message database of uniting sends the completed message of settlement of insurance claim by way of believing in short message, mail or station to user, to ensure The message that client can be settled a claim the very first time, and complete Claims Resolution program.
It is preferred that, Claims Resolution all processes have information logging modle to be recorded, and are carried out by data categorization module Classified storage is to cloud database, so that the later stage consults, to prevent unnecessary situation.
The present invention can be sent scene of an automobile accident information to vehicle insurance administrative center by vehicle insurance client, judge traffic accident feelings immediately Condition weight, the validation of information shot when light according to headend equipment is settled a claim, so that quickly processing traffic accident Claims Resolution case, saving are protected The dangerous a large amount of human and material resources of company, simplified Claims Resolution process, perfect Claims Resolution management link, the system are simple in construction, can push away extensively Wide application, and car owner is added in Claims Resolution link, the real-time dynamic that it can be made to understand Claims Resolution, method simple and fast of settling a claim.
Brief description of the drawings
Fig. 1 is a kind of system block diagram of settlement of insurance claim system proposed by the present invention;
Fig. 2 is a kind of system block diagram of the vehicle insurance administrative center of settlement of insurance claim system proposed by the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.
Reference picture 1-2, a kind of settlement of insurance claim system, including vehicle insurance administrative center and multiple user terminals, vehicle insurance administrative center Overall management and control can be carried out to system, multiple user terminals are separately positioned in the smart mobile phone of different vehicle insurance users, multiple users End is connected to vehicle insurance administrative center by wireless communication module signal, for by data transferring, vehicle insurance administrative center to lead to Cross internet signal and be connected with cloud database and payment terminal, cloud database is used to store complete produced by during vehicle insurance is settled a claim Portion's data, payment terminal is used to terminate to return money to the vehicle insurance user to be settled a claim in Claims Resolution, and payment terminal also passes through radio communication Module by signal is connected to the user terminal of vehicle insurance user.
Central processing unit and message recipient are provided with vehicle insurance administrative center, and message recipient is electrically connected at center Processor, central processing unit is electrically connected with data acquisition module, data processing module and data analysis module, and data acquisition Module is electrically connected at data processing module, and data processing module is electrically connected at data analysis module, and data analysis module Data comparison module is electrically connected with, data comparison module is connected to cloud database, data pair by data extraction module signal Central processing unit is electrically connected at than module and data extraction module, central processing unit is also electrically connected with display screen, Claims Resolution Grade module and automatic performing module, and Claims Resolution grade module is electrically connected at automatic performing module, automatic performing module passes through Internet signal is connected to payment terminal, and display screen is capable of all processes of display processing.
Central processing unit, which is also electrically connected with, is automatically reminded to module and data temporary storage module, and data temporary storage module electrically connects Message recipient and data acquisition module are connected to, module is automatically reminded to and is electrically connected at data temporary storage module.
Central processing unit is also electrically connected with information logging modle, and information logging modle is electrically connected with data classification mould Block, data categorization module is connected to cloud database by internet signal.
Wireless communication module is specially 3G module, 4G modules either WIFI module, can be in several ways to data Carry out remote transmission.
Present invention also offers a kind of settlement of insurance claim method, comprise the following steps:
S1, vehicle insurance client log in the vehicle insurance account of oneself by user terminal, and determine whether account is accurate;
S2, the corrupted picture and the comprehensive video of vehicle that vehicle is shot by car owner by smart mobile phone, also vehicle are all The environment enclosed, and data are carried out with self preservation, then data remote transmission to vehicle insurance is managed by wireless communication module Center, vehicle insurance user can drive to leave;
Data receiver is stored in data temporary storage module by the information inside S3, vehicle insurance administrative center, at the same time far Cheng Tongzhi vehicle insurances user is to start to accept;
S4, by data collecting module collected damaged vehicle data, and to damaged data handled and analyzed, to sentence The authenticity of disconnected damaged data, the serious conditions with damaged vehicle, the base of client is extracted by central processing unit to cloud database The initial data of this information, product value and vehicle, multi-faceted to the progress of its damaged vehicle situation checks, analyzes with handling, So as to judge the impaired grade of vehicle;
S5, by data comparison module to conventional vehicle insurance settle a claim situation transferred and analyzed, with ensure settle a claim it is reasonable Property, and final Claims Resolution grade and related amount for which loss settled are determined by grade module of settling a claim, and have long-range by its information transfer Into the user terminal of vehicle insurance user, so that it is consulted, if satisfied, and authorization electronic signature;
S6, replied after, central processing unit controls automatic performing module to transmit amount for which loss settled to payment terminal, pays Terminal goes to settling fee in the user terminal of vehicle insurance client from insurance company account, after the completion of settlement of insurance claim reimbursement of expense, is Message database of uniting sends the completed message of settlement of insurance claim by way of believing in short message, mail or station to user, to ensure The message that client can be settled a claim the very first time, and complete Claims Resolution program.
Claims Resolution all processes have information logging modle to be recorded, and carry out classified storage by data categorization module To cloud database, so that the later stage consults, to prevent unnecessary situation.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto, Any one skilled in the art the invention discloses technical scope in, technique according to the invention scheme and its Inventive concept is subject to equivalent substitution or change, should all be included within the scope of the present invention.

Claims (7)

1. a kind of settlement of insurance claim system, including vehicle insurance administrative center and multiple user terminals, it is characterised in that:Vehicle insurance administrative center energy Enough that overall management and control is carried out to system, multiple user terminals are separately positioned in the smart mobile phone of different vehicle insurance users, multiple user terminals Vehicle insurance administrative center is connected to by wireless communication module signal, for by data transferring, the vehicle insurance administrative center Cloud database and payment terminal are connected with by internet signal, cloud database is used to store produced by during vehicle insurance is settled a claim Total data, payment terminal is used to terminate to return money to the vehicle insurance user to be settled a claim in Claims Resolution, and the payment terminal also passes through nothing Line communication module signal is connected to the user terminal of vehicle insurance user.
2. a kind of settlement of insurance claim system according to claim 1, it is characterised in that be provided with the vehicle insurance administrative center Central processing unit and message recipient, and message recipient is electrically connected at central processing unit, the central processing unit electrically connects Data acquisition module, data processing module and data analysis module are connected to, and data acquisition module is electrically connected at data processing Module, the data processing module is electrically connected at data analysis module, and data analysis module is electrically connected with data comparison Module, data comparison module is connected to cloud database by data extraction module signal, and data comparison module extracts mould with data Block is electrically connected at central processing unit, the central processing unit be also electrically connected with display screen, Claims Resolution grade module with it is automatic Performing module, and Claims Resolution grade module is electrically connected at automatic performing module, automatic performing module is connected by internet signal In payment terminal.
3. a kind of settlement of insurance claim system according to claim 2, it is characterised in that the central processing unit is also electrically connected with Module and data temporary storage module are automatically reminded to, and data temporary storage module is electrically connected at message recipient and data acquisition module Block, the module that is automatically reminded to is electrically connected at data temporary storage module.
4. a kind of settlement of insurance claim system according to claim 2, it is characterised in that the central processing unit is also electrically connected with There is information logging modle, and information logging modle is electrically connected with data categorization module, data categorization module is believed by internet Number it is connected to cloud database.
5. a kind of settlement of insurance claim system according to claim 1, it is characterised in that the wireless communication module is specially 3G Module, 4G modules either WIFI module.
6. a kind of settlement of insurance claim method according to claim 1-5, it is characterised in that comprise the following steps:
S1, vehicle insurance client log in the vehicle insurance account of oneself by user terminal, and determine whether account is accurate;
S2, the corrupted picture and the comprehensive video of vehicle that vehicle is shot by car owner by smart mobile phone, also vehicle periphery Environment, and data are carried out self preserve, then by wireless communication module by data remote transmission to vehicle insurance administrative center, Vehicle insurance user can drive to leave;
Data receiver is stored in data temporary storage module by the information inside S3, vehicle insurance administrative center, at the same time long-range logical Know vehicle insurance user to start to accept;
S4, by data collecting module collected damaged vehicle data, and to damaged data handled and analyzed, with judge by The authenticity of data, the serious conditions with damaged vehicle are damaged, the basic letter of client is extracted to cloud database by central processing unit The initial data of breath, product value and vehicle, multi-faceted to the progress of its damaged vehicle situation checks, analyzes with handling, so that Judge the impaired grade of vehicle;
S5, by data comparison module to conventional vehicle insurance settle a claim situation transferred and analyzed, with ensure settle a claim reasonability, and And final Claims Resolution grade and related amount for which loss settled are determined by grade module of settling a claim, and have long-range by its information transfer to vehicle insurance In the user terminal of user, so that it is consulted, if satisfied, and authorization electronic signature;
S6, replied after, central processing unit controls automatic performing module to transmit amount for which loss settled to payment terminal, payment terminal Settling fee is gone in the user terminal of vehicle insurance client from insurance company account, after the completion of settlement of insurance claim reimbursement of expense, system disappears Cease database and send the completed message of settlement of insurance claim to user by way of believing in short message, mail or station, to ensure client The message that can be settled a claim the very first time, and complete Claims Resolution program.
7. a kind of settlement of insurance claim system according to claim 6, it is characterised in that Claims Resolution all processes have information record Module is recorded, and carries out classified storage to cloud database by data categorization module, so that the later stage consults, to prevent out Existing unnecessary situation.
CN201710232890.2A 2017-04-11 2017-04-11 A kind of settlement of insurance claim system and method Pending CN107103549A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201710232890.2A CN107103549A (en) 2017-04-11 2017-04-11 A kind of settlement of insurance claim system and method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201710232890.2A CN107103549A (en) 2017-04-11 2017-04-11 A kind of settlement of insurance claim system and method

Publications (1)

Publication Number Publication Date
CN107103549A true CN107103549A (en) 2017-08-29

Family

ID=59675950

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201710232890.2A Pending CN107103549A (en) 2017-04-11 2017-04-11 A kind of settlement of insurance claim system and method

Country Status (1)

Country Link
CN (1) CN107103549A (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107945032A (en) * 2017-12-28 2018-04-20 广州道本信息科技有限公司 One kind insurance, which is in danger, surveys platform
CN109961360A (en) * 2017-12-21 2019-07-02 平安科技(深圳)有限公司 Financial fee payment method, device and equipment based on insurance business
CN110298760A (en) * 2018-03-21 2019-10-01 武汉东风保险经纪有限公司 A kind of insurance agent's shipping danger Claims Resolution management system
CN115022396A (en) * 2022-06-07 2022-09-06 支付宝(杭州)信息技术有限公司 Content pushing method and device and server

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1303068A (en) * 2001-02-27 2001-07-11 易保网络技术(上海)有限公司 Claims settlement system over vehicle insurance network
CN102332143A (en) * 2011-07-22 2012-01-25 大连亿创天地科技发展有限公司 Method and system for verification and claim of on-line insurance claim settlement
CN103824154A (en) * 2014-02-08 2014-05-28 刘文书 Vehicle on-line accident solution method and system
CN104268783A (en) * 2014-05-30 2015-01-07 翱特信息***(中国)有限公司 Vehicle loss assessment method and device and terminal device
CN106231551A (en) * 2016-07-29 2016-12-14 深圳市永兴元科技有限公司 Vehicle insurance based on mobile communications network Claims Resolution method and device
CN106231263A (en) * 2016-08-03 2016-12-14 深圳市永兴元科技有限公司 Car damage identification based on mobile network communication Claims Resolution method and device
CN106447501A (en) * 2016-12-19 2017-02-22 东软集团股份有限公司 Traffic accident compensation method and device

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1303068A (en) * 2001-02-27 2001-07-11 易保网络技术(上海)有限公司 Claims settlement system over vehicle insurance network
CN102332143A (en) * 2011-07-22 2012-01-25 大连亿创天地科技发展有限公司 Method and system for verification and claim of on-line insurance claim settlement
CN103824154A (en) * 2014-02-08 2014-05-28 刘文书 Vehicle on-line accident solution method and system
CN104268783A (en) * 2014-05-30 2015-01-07 翱特信息***(中国)有限公司 Vehicle loss assessment method and device and terminal device
CN106231551A (en) * 2016-07-29 2016-12-14 深圳市永兴元科技有限公司 Vehicle insurance based on mobile communications network Claims Resolution method and device
CN106231263A (en) * 2016-08-03 2016-12-14 深圳市永兴元科技有限公司 Car damage identification based on mobile network communication Claims Resolution method and device
CN106447501A (en) * 2016-12-19 2017-02-22 东软集团股份有限公司 Traffic accident compensation method and device

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109961360A (en) * 2017-12-21 2019-07-02 平安科技(深圳)有限公司 Financial fee payment method, device and equipment based on insurance business
CN107945032A (en) * 2017-12-28 2018-04-20 广州道本信息科技有限公司 One kind insurance, which is in danger, surveys platform
CN110298760A (en) * 2018-03-21 2019-10-01 武汉东风保险经纪有限公司 A kind of insurance agent's shipping danger Claims Resolution management system
CN115022396A (en) * 2022-06-07 2022-09-06 支付宝(杭州)信息技术有限公司 Content pushing method and device and server

Similar Documents

Publication Publication Date Title
CN107103549A (en) A kind of settlement of insurance claim system and method
CN104600787B (en) Intelligent charging system
CN206327166U (en) A kind of identity recognition device of charging electric vehicle
CN103336516B (en) A kind of automobile remote control system and method
CN103072598B (en) Railway freight safety high-definition monitoring system and method
CN106228448A (en) Vehicle insurance based on mobile communications network Claims Resolution method and device
CN203165218U (en) A vehicle inspection monitoring system
CN107483553A (en) Car networking system and information of vehicles method for uploading
CN105590345A (en) System and method for performing payment at service point by using intelligent automobile
CN106740190A (en) A kind of personal identification method of charging electric vehicle
CN110443953A (en) A kind of license plate charging system for gas station
CN105574943A (en) Highway self-service toll collection system
CN111222375A (en) Vehicle driving track generation method, system and server
CN203015132U (en) A DVD vehicle-mounted navigation terminal Wi-Fi system based on an internet of vehicles
CN109325872A (en) Automatic quotation system and method on vehicle insurance line
WO2016142191A1 (en) Energy transmission connector, system, and method
CN102509363A (en) Dynamic weighing system with vehicle type classification function
CN104079896A (en) Emergency command method and system
CN105825554A (en) Consumption method and system based on vehicle identification
CN108260088B (en) Delivery method capable of automatic filling
CN104931985A (en) Intelligent vehicle load state judging and distribution positioning system
CN109767162A (en) A kind of logistics information processing platform, system and its send addressee processing method
CN106296115A (en) A kind of automobile insurance self-service Claims Resolution system
CN105139665A (en) Road traffic management system and method
CN206672365U (en) Road traffic management system applied to smart city

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20170829