CN107103549A - A kind of settlement of insurance claim system and method - Google Patents
A kind of settlement of insurance claim system and method Download PDFInfo
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- 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
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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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
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.
Priority Applications (1)
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CN201710232890.2A CN107103549A (en) | 2017-04-11 | 2017-04-11 | A kind of settlement of insurance claim system and method |
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CN201710232890.2A CN107103549A (en) | 2017-04-11 | 2017-04-11 | A kind of settlement of insurance claim system and method |
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Cited By (4)
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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 |
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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 |
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Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
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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 |
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Application publication date: 20170829 |