CN109034734A - A kind of method and its system of long-range processing vehicle insurance Claims Resolution business - Google Patents
A kind of method and its system of long-range processing vehicle insurance Claims Resolution business Download PDFInfo
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- CN109034734A CN109034734A CN201810737584.9A CN201810737584A CN109034734A CN 109034734 A CN109034734 A CN 109034734A CN 201810737584 A CN201810737584 A CN 201810737584A CN 109034734 A CN109034734 A CN 109034734A
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Abstract
A kind of method and its system of long-range processing vehicle insurance Claims Resolution business, the method mainly comprise the steps that S1: car owner passes through client validation identity information and information of vehicles；S2: reporting a case to the security authorities after traffic accident, and the person of surveying end is connect with client；S3: the person of surveying combines with car owner carries out core damage evidence obtaining；S4: forensics process supervision；S5: if there are objections to forensics process by supervisor, then review is carried out；S6: repair shop formulates maintenance program and carries out expense and estimates；S7: determining Claims Resolution scheme, and quickly examination & approval compensate the amount of money after passing through；S8: keystroke handling result feedback, analysis improve.The system comprises the client of interconnection, the person of surveying end, supervisor end, review person end, repair shop end, Claims Resolution terminal and internets.In short, the present invention has many advantages, such as excellent method, system perfecting, safe and efficient.
Description
Technical field
The invention belongs to settlement of insurance claim technical field, be specifically related to a kind of long-range processing vehicle insurance Claims Resolution business method and
Its system.
Background technique
Car insurance refers to motor vehicles personal injury due to caused by natural calamity or contingency or property damage
Lose a kind of business insurance of negative liability to pay compensation.With the development of economy, the quantity of motor vehicles is continuously increased.Currently, motor vehicle
Insurance has become maximum insurance kind in Chinese property insurance business.Automobile insurance has covered the big portion of vehicle hazard accident
Point, Chinese transportation portion has forced purchase vehicle personnel to buy automobile insurance, to guarantee in traffic accident accident, victim's just rights and interests
It is protected.For example compulsory insurance for traffic accident of motor-drivenvehicle is exactly to guarantee third-party equity as purpose insurance kind.
Under normal circumstances, basic procedure of the car owner in Claims Resolution: 1. show insurance policy；2. showing driving license；3. showing
Driver's license；4. showing insurant's identity card；5. showing insurance policy；6. filling in the table of reporting a case to the security authorities that is in danger；7. in detail fill in be in danger by；
8. filling in reporter and driver and telephone number in detail；9. checking vehicle appearance, setting loss of taking pictures；10. Insurance Actuary leads car owner
Carry out vehicle appearance inspection；11. according to the content of reporting a case to the security authorities that car owner fills in take pictures core damage；12. Insurance Actuary reminds to be had on host vehicle
Without valuables；13. delivering maintenance station to repair；14. Insurance Actuary issues task delegation list and determines maintenance items and maintenance time；
Approve 15. car owner signs；16. vehicle is met at maintenance station and repaired by car owner.
Currently, there is a kind of long-range vehicle insurance Claims Resolution mode, after the accident, car owner waits the person of surveying without scene,
Accident treatment can be carried out by mobile phone and the backstage person's of surveying video trace, greatly facilitate client, and decrease and survey
The workload of member.But there is following problems for the insurance of this mode: 1, the person of surveying can not scene verified, it is understood that there may be
The phenomenon that car owner simulated scene；2, car owner is unfamiliar with accident forensics process, and self-service evidence obtaining is easily destroyed scene or evidence obtaining is endless
It is whole；3, the unmanned supervision of the person of surveying and car owner's system process flow, going wrong can not timely correction, thereby increases and it is possible to which there are insurance fraud feelings
Condition.So in view of the above-mentioned problems, the method and its system that design the long-range processing vehicle insurance Claims Resolution business of one kind are for long-range vehicle insurance row
Industry has very great meaning.
Summary of the invention
In view of the above problems, the method for vehicle insurance Claims Resolution business is remotely handled the present invention provides one kind and its be
System.
The technical scheme is that a kind of method of long-range processing vehicle insurance Claims Resolution business, mainly comprises the steps that
S1: car owner handles long-range vehicle insurance, and downloading installation client is verified owner information by identity authenticating unit, passed through
Vehicle authentication unit verifies information of vehicles；
S2: after traffic accident occurs, car owner's saving scene first, using the unit of reporting a case to the security authorities in client to insurance company
It reports a case to the security authorities, system at random distributes case to any person of surveying end, and the case receiving unit on the person of surveying end is connected to car owner's report
Case is connect by long-range connection unit with client；
S3: the person of surveying opens core and damages unit, and the instruction of unit is damaged according to core, and car owner uses the evidence obtaining unit pair in client
The scene of the accident and damaged vehicle situation carry out camera shooting evidence-obtaining, and the data storage unit collected evidence on material upload to the person of surveying end carries out
Storage；
S4: when the person of surveying remotely is connect with car owner, system is arbitrarily distributed a supervisor and is carried out to forensics process
It monitors, the screen at supervisor end is divided into two parts, a part display client by the split screen unit on supervisor end, and a part is shown
Show the person of surveying end, supervisor can extract all data in data storage unit by data extraction unit, and be carried out
It compares, supervisor records the evidence obtaining process and dialogue of the person of surveying and car owner by recording unit whole process, and makees to employee is surveyed
Situation carries out assessment marking by surveying assessment unit；
S5: if supervisor thinks that the person of surveying is connect during evidence obtaining there are problem with car owner, by supervisor end
Reexamination unit to review person end issue reexamination, and by the data of data storage unit and recording unit all send
To review member end, review member examines that unit integrally carries out review to case by the case on review person end, and by examination reports
It show that unit provides examination reports, review person's opinion and supervisor's opinion is then compared by opinion comparing unit, if review
Member's opinion and supervisor are at sixes and sevens, then issue secondary reexamination to another review person by review of adjudication on opposition request unit,
Until examination reports are consistent；
S6: after the completion of collecting evidence setting loss, case data is sent to repair shop end, repair shop end connects through data receiving unit
It is analyzed and processed after part data of hearing a case, specific maintenance program is formulated by solution formulation unit, and unit is estimated according to expense
Specific expense caused by maintenance is estimated, and concrete scheme and expense are sent to Claims Resolution terminal；
S7: Claims Resolution terminal buys insurance kind by maintenance program, expense and car owner and carries out integrated treatment, passes through payout schedule list
Member formulates specific payout schedule, and payout schedule is carried out risk examination & approval by examination & approval unit, after examination & approval pass through, by compensating unit
Insured amount is sent to client；
S8: after compensating process, vehicle is sent to repair shop and is repaired by car owner, the maintenance feedback unit at repair shop end
The result core document examination member that specific repair and expense are sent to Claims Resolution terminal is examined and analyzed to lawsuit progress core
It improves.
Further, the identity authenticating unit includes the verifying of identity card front and back sides, the verifying of driver's license front and back sides and face
Identification verifying verifies owner identity by identity card and driver's license, and when being collected evidence by face recognition verify whether for
Car owner's operation, avoids non-car owner personnel from carrying out malicious operation.
Further, the vehicle authentication unit includes vehicle identification code verifying, vehicle model color is verified, license plate number is tested
Card and vehicle driving results card, verify vehicle of insuring by above-mentioned means, determine that accident vehicle is vehicle of insuring, avoid
Fraud occurs.
Further, the evidence obtaining unit includes the quality verification to evidence obtaining content, and evidence obtaining unit carries out evidence obtaining content
Initial check modifies for unclear or evidence obtaining positional fault the content presentation car owner that collects evidence or collects evidence again.
Further, the prompt of core damage unit include the evidence obtaining of prompt accident peripheral information, the scene of the accident integrally collect evidence,
The scene of the accident locally evidence obtaining, the evidence obtaining of both sides' identity information and the evidence obtaining of both sides' information of vehicles, since car owner's evidence obtaining work is amateur
Personage, core damage unit and prompt evidence obtaining content, avoids collecting evidence imperfect.
Further, the split screen unit can arbitrarily adjust double screen size, and supervisor is facilitated to amplify viewing client
Or the local content at the person of surveying end.
Further, the client further includes positioning unit and navigation elements, and positioning unit can be occurred with localized accident
Roadside assistance is convenient in place, accident vehicle can also be guided to go to specified repair shop by navigation elements.
The present invention also provides a kind of long-range system of processing vehicle insurance Claims Resolution business, mainly include client, the person of surveying end,
Supervisor end, repair shop end, Claims Resolution terminal, internet and review person end, the client, supervisor end, are repaired at the person of surveying end
Factory end, Claims Resolution terminal and review person end are interconnected by the internet；
The client include identity authenticating unit, vehicle authentication unit, unit of reporting a case to the security authorities, evidence obtaining unit, positioning unit and
Navigation elements, the identity authenticating unit is for verifying owner identity information, and the vehicle authentication unit is for verifying vehicle of insuring
Information, the unit of reporting a case to the security authorities are reported a case to the security authorities for car owner to insurance company, the evidence obtaining unit for pass through camera to accident into
Row camera shooting evidence-obtaining, the positioning unit are used for navigation vehicle chief commander thing for positioning car accident scene, the navigation elements
Therefore vehicle leaves for specifying repair shop；
The person of the surveying end includes case receiving unit, long-range connection unit, core damage unit and data storage unit, described
Case receiving unit is used to receive the information of reporting a case to the security authorities of client, and the long-range connection unit is used for will the person of surveying end and client company
The long-range evidence obtaining of row is tapped into, the core damage unit is for guiding and verifying scene of the accident evidence obtaining, and the data storage unit is for protecting
All data during access card；
The supervisor end includes split screen unit, data extraction unit, recording unit and surveys assessment unit, the split screen
Unit is used to for being divided at supervisor end two screens, and a screen shows client, another screen shows the person of surveying end, described
Data extraction unit is used to extract the case data in data storage unit, and the recording unit is for recording the person of surveying end and visitor
The overall flow of family end connection evidence obtaining, the assessment unit of surveying assess the work for the person of surveying for supervisor；
The repair shop end includes that data receiving unit, solution formulation unit, expense estimate unit and maintenance feedback unit,
The data receiving unit is used to be formulated according to case data and correspond to for receiving maintenance case data, the scheme customization units
Maintenance program, the expense estimates unit for estimating maintenance cost, the maintenance feedback according to specified maintenance program
Specific repair and expense are sent to Claims Resolution terminal after maintenance by member；
The Claims Resolution terminal includes payout schedule unit, examination & approval unit, compensates unit and result core document examination member, the compensation
Scheme unit is for formulating specific Claims Resolution scheme, and the examination & approval unit is for examining Claims Resolution concept feasible, the compensation unit
For carrying out amount of money compensation to car owner, the result audit unit is used to carry out core to lawsuit after case to examine
And analyze improvement；
The review person end includes that case examines that unit, examination reports obtain unit, opinion comparing unit and review of adjudication on opposition
Request unit, the case examine that unit integrally examines case for review person, and the examination reports show that unit is used
Examination reports are provided in auditor, the opinion comparison unit is for comparing review person's opinion and supervisor's opinion, institute
Review of adjudication on opposition request unit is stated for carrying out secondary reexamination when review person's opinion and supervisor are at sixes and sevens.
The beneficial effects of the present invention are: one kind provided by the invention remotely handles the method for vehicle insurance Claims Resolution business and its is
System, is suitable for phone vehicle insurance or the Claims Resolution of online vehicle insurance uses, and after the accident, car owner is reported a case to the security authorities using client, be in visitor
Face recognition verifying is carried out on the end of family, avoids non-car owner's malicious operation, and when evidence obtaining, core damage unit can propose evidence obtaining content
Show, avoid collecting evidence imperfect, while unit of collecting evidence can carry out initial check to evidence obtaining content, for unclear or evidence obtaining position of collecting evidence
The content presentation car owner for setting mistake modifies or collects evidence again, any to distribute a supervisor in the person of surveying and car owner's line
It exercises supervision to evidence obtaining process, has not only been avoided that operation irregular during collecting evidence, but also be avoided that the generation of fraud.Always
It, the present invention has many advantages, such as excellent method, system perfecting, safe and efficient.
Detailed description of the invention
Fig. 1 is system block diagram of the invention.
Wherein, 1- client, 11- identity authenticating unit, 12- vehicle authentication unit, 13- report a case to the security authorities unit, 14- evidence obtaining singly
Member, 15- positioning unit, 16- navigation elements, the 2- person of surveying end, 21- case receiving unit, the long-range connection unit of 22-, 23- core damage
Unit, 24- data storage unit, 3- supervisor end, 31- split screen unit, 32- data extraction unit, 33- recording unit, 34- are looked into
Survey assessment unit, 4- repair shop end, 41- data receiving unit, 42- solution formulation unit, 43- expense estimate unit, 44- maintenance
Feedback unit, 5- Claims Resolution terminal, 51- payout schedule unit, 52- examination & approval unit, 53- compensate unit, 54- result core document examination member,
The internet 6-, 7- review person end, 71- case examine that unit, 72- examination reports show that unit, 73- opinion comparing unit, 74- are different
Discuss reexamination unit.
Specific embodiment
For convenient for the understanding to technical solution of the present invention, with reference to the accompanying drawing 1 and specific embodiment the present invention is done into one
The explanation of step, embodiment do not constitute the restriction to invention protection scope.
As shown in Figure 1, a kind of method of long-range processing vehicle insurance Claims Resolution business, which is characterized in that mainly comprise the steps that
S1: car owner handles long-range vehicle insurance, and downloading installation client 1 verifies owner information, body by identity authenticating unit 11
Part authentication unit 11 includes the verifying of identity card front and back sides, the verifying of driver's license front and back sides and face recognition verifying, is verified by vehicle
Unit 12 verifies information of vehicles, and vehicle authentication unit 12 includes vehicle identification code verifying, vehicle model color is verified, license plate number is tested
Card and vehicle driving results card, client 1 further includes positioning unit 15 and navigation elements 16；
S2: after traffic accident occurs, car owner's saving scene first, using the unit 13 of reporting a case to the security authorities in client 1 to insurance
Company is reported a case to the security authorities, and system at random distributes case to any person of surveying end 2, and the case receiving unit 21 on the person of surveying end 2 connects
It reports a case to the security authorities to car owner, is connect by long-range connection unit 22 with client 1；
S3: the person of surveying opens core and damages unit 23, and the instruction of unit 23 is damaged according to core, and car owner uses the evidence obtaining in client 1
Unit 14 carries out camera shooting evidence-obtaining to the scene of the accident and damaged vehicle situation, and the prompt of core damage unit 23 includes prompt accident periphery letter
Breath evidence obtaining, the scene of the accident are integrally collected evidence, the scene of the accident is locally collected evidence, both sides' identity information is collected evidence and the evidence obtaining of both sides' information of vehicles,
Data storage unit 24 on evidence obtaining material upload to the person of surveying end 2 is stored；
S4: when the person of surveying remotely is connect with car owner, system is arbitrarily distributed a supervisor and is carried out to forensics process
The screen at supervisor end 3 is divided into two parts by monitoring, split screen unit 31 on supervisor end 3, a part display client 1, and one
The part display person of surveying end 2, supervisor can extract all data in data storage unit 24 by data extraction unit 32,
And be compared, supervisor records the evidence obtaining process and dialogue of the person of surveying and car owner by 33 whole process of recording unit, and
Assessment marking is carried out by surveying assessment unit 34 to the person's of surveying working condition；
S5: if supervisor thinks that the person of surveying is connect during evidence obtaining there are problem with car owner, by supervisor end 3
Reexamination unit 35 issue reexamination to review person end 7, and by the data of data storage unit 24 and recording unit 33
It is all sent to review member end 7, review member examines that unit 71 integrally carries out review to case by the case on review person end 7,
And show that unit 72 provides examination reports by examination reports, review person's opinion and supervision are then compared by opinion comparing unit 73
Member's opinion passes through review of adjudication on opposition request unit 74 to another review person if review person's opinion and supervisor are at sixes and sevens
Secondary reexamination is issued, until examination reports are consistent；
S6: after the completion of collecting evidence setting loss, case data is sent to repair shop end 4, repair shop end 4 is through data receiving unit
It is analyzed and processed after 41 reception case data, specific maintenance program is formulated by solution formulation unit 42, and pre- according to expense
Estimate unit 43 and estimate specific expense caused by maintenance, and concrete scheme and expense are sent to Claims Resolution terminal 5；
S7: Claims Resolution terminal 5 buys insurance kind by maintenance program, expense and car owner and carries out integrated treatment, passes through payout schedule
Unit 51 formulates specific payout schedule, and payout schedule is carried out risk examination & approval after examination & approval pass through by examination & approval unit 52 and passes through compensation
It pays unit 53 and insured amount is sent to client 1；
S8: after compensating process, vehicle is sent to repair shop and is repaired by car owner, the maintenance feedback at repair shop end 4
Result core document examination 54 pairs of lawsuits of member that specific repair and expense are sent to Claims Resolution terminal 5 are carried out core and examined by member 44
And analyze improvement.
The present invention also provides a kind of systems of long-range processing vehicle insurance Claims Resolution business, mainly include client 1, the person of surveying end
2, supervisor end 3, repair shop end 4, Claims Resolution terminal 5, internet 6 and review person end 7, client 1, the person of surveying end 2, supervisor end
3, repair shop end 4, Claims Resolution terminal 5 and review person end 7 interconnect 6 by internet；
Client 1 includes identity authenticating unit 11, vehicle authentication unit 12, unit 13 of reporting a case to the security authorities, evidence obtaining unit 14, positioning list
Member 15 and navigation elements 16, identity authenticating unit 11 are thrown for verifying owner identity information, vehicle authentication unit 12 for verifying
Protect information of vehicles, unit 13 of reporting a case to the security authorities is reported a case to the security authorities to insurance company for car owner, evidence obtaining unit 14 be used for by camera to accident into
Row camera shooting evidence-obtaining, positioning unit 15 are used for navigation vehicle chief commander accident vehicle for positioning car accident scene, navigation elements 16
Leave for specifying repair shop；
The person of surveying end 2 includes case receiving unit 21, long-range connection unit 22, core damage unit 23 and data storage unit
24, case receiving unit 21 is used to receive the information of reporting a case to the security authorities of client 1, and long-range connection unit 22 is used for will the person of surveying end 2 and visitor
The connection of family end 1 is remotely collected evidence, and core damage unit 23 is used for for guiding and verifying scene of the accident evidence obtaining, data storage unit 24
Save all data during collecting evidence；
Supervisor end 3 includes split screen unit 31, data extraction unit 32, recording unit 33 and surveys assessment unit 34, point
Screen unit 31 is used to for being divided to for two screens at supervisor end 3, and a screen shows client 1, another screen shows the person of surveying
End 2, split screen unit 31 can arbitrarily adjust double screen size, and data extraction unit 32 is for extracting in data storage unit 24
Case data, recording unit 33 are used to record the overall flow that the person of surveying end connect evidence obtaining with client, survey assessment unit 34
The work for the person of surveying is assessed for supervisor；
Unit 43 and maintenance feedback are estimated including data receiving unit 41, solution formulation unit 42, expense in repair shop end 4
First 44, data receiving unit 41 is used for for receiving maintenance case data, scheme customization units 42 according to the formulation pair of case data
The maintenance program answered, expense estimate unit 43 for estimating maintenance cost according to specified maintenance program, repair feedback unit 44
Specific repair and expense are sent to Claims Resolution terminal 5 after maintenance；
Terminal 5 of settling a claim includes payout schedule unit 51, examination & approval unit 52, compensates unit 53 and result core document examination member 54, is paid for
It pays scheme unit 51 and compensates unit 53 for examining Claims Resolution concept feasible for formulating specific Claims Resolution scheme, examination & approval unit 52
For carrying out amount of money compensation to car owner, as a result audits unit 54 and be used to carry out core to lawsuit after case to examine simultaneously
Analysis improves；
Review person end 7 includes that case examines that unit 71, examination reports show that unit 72, opinion comparing unit 73 and objection are multiple
Request unit 74 is examined, case examines that unit 71 integrally examines case for review person, and examination reports show that unit 72 is used
Examination reports are provided in auditor, opinion comparison unit 73 is for comparing review person's opinion and supervisor's opinion, objection
Reexamination unit 74 is used to carry out secondary reexamination when review person's opinion and supervisor are at sixes and sevens.
Inventor chooses A vehicle insurance company as experimental group of the invention, chooses B vehicle insurance company as control of the invention
Group, A vehicle insurance company and B vehicle insurance company scale having the same and business upgrade the long-range vehicle insurance operation system of A vehicle insurance company
For the system of long-range processing vehicle insurance Claims Resolution business provided by the invention, the long-range vehicle insurance system of B vehicle insurance company does not change, uses 1 year
Afterwards, data statistics is carried out to the long-range vehicle insurance business of A vehicle insurance company and B vehicle insurance company, statistical result is as shown in table 1:
The long-range vehicle insurance business datum statistical result of table 1:A vehicle insurance company and B vehicle insurance company
Conclusion: carrying out long-range vehicle insurance business processing using the system of long-range processing vehicle insurance Claims Resolution business provided by the invention,
The processing speed of long-range vehicle insurance business can be greatly improved, the generation of insurance fraud case is reduced and improves the satisfaction of client.
Finally, it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although
Present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: it still may be used
To modify to technical solution documented by previous embodiment or equivalent replacement of some of the technical features；And
These are modified or replaceed, the spirit and model of technical solution of the embodiment of the present invention that it does not separate the essence of the corresponding technical solution
It encloses.
Claims (8)
1. a kind of method of long-range processing vehicle insurance Claims Resolution business, which is characterized in that mainly comprise the steps that
S1: car owner handles long-range vehicle insurance, and downloading installation client (1) is verified owner information by identity authenticating unit (11), led to
Cross vehicle authentication unit (12) verifying information of vehicles；
S2: after traffic accident occurs, car owner's saving scene first, using the unit of reporting a case to the security authorities (13) on client (1) to insurance
Company is reported a case to the security authorities, and system at random distributes case to any person of surveying end (2), the case receiving unit on the person of surveying end (2)
(21) it is connected to car owner to report a case to the security authorities, be connect by long-range connection unit (22) with client (1)；
S3: the person of surveying opens core damage unit (23), and the instruction of unit (23) is damaged according to core, and car owner uses taking on client (1)
It demonstrate,proves unit (14) and camera shooting evidence-obtaining is carried out to the scene of the accident and damaged vehicle situation, collect evidence on material upload to the person of surveying end (2)
Data storage unit (24) is stored；
S4: when the person of surveying remotely is connect with car owner, system is arbitrarily distributed a supervisor and is monitored to forensics process,
The screen of supervisor end (3) is divided into two parts by the split screen unit (31) on supervisor end (3), and a part shows client (1),
A part display person of surveying end (2), supervisor can be extracted in data storage unit (24) by data extraction unit (32)
All data, and be compared, the evidence obtaining process that supervisor passes through recording unit (33) the whole record person of surveying and car owner
And dialogue, and assessment marking is carried out by surveying assessment unit (34) to the person's of surveying working condition；
S5: if supervisor thinks that the person of surveying is connect during evidence obtaining there are problem with car owner, by supervisor end (3)
Reexamination unit (35) issues reexamination to review person end (7), and by data storage unit (24) and recording unit (33)
Data be all sent to review member end (7), review member examines that unit (71) are whole to case by the case on review person end (7)
Body carries out review, and show that unit (72) provides examination reports by examination reports, is then compared by opinion comparing unit (73)
Review person's opinion and supervisor's opinion are requested single if review person's opinion and supervisor are at sixes and sevens by review of adjudication on opposition
First (74) issue secondary reexamination to another review person, until examination reports are consistent；
S6: after the completion of collecting evidence setting loss, case data is sent to repair shop end (4), repair shop end (4) are through data receiving unit
(41) it is analyzed and processed after receiving case data, formulates specific maintenance program by solution formulation unit (42), and according to taking
Specific expense caused by maintenance is estimated with unit (43) is estimated, and concrete scheme and expense are sent to Claims Resolution terminal (5)；
S7: Claims Resolution terminal (5) buys insurance kind by maintenance program, expense and car owner and carries out integrated treatment, passes through payout schedule list
First (51) formulate specific payout schedule, and payout schedule is carried out risk examination & approval after examination & approval pass through by examination & approval unit (52) and is passed through
It compensates unit (53) and insured amount is sent to client (1)；
S8: after compensating process, vehicle is sent to repair shop and is repaired by car owner, the maintenance feedback unit of repair shop end (4)
(44) the result core document examination first (54) that specific repair and expense are sent to Claims Resolution terminal (5) carries out lawsuit
Core is examined and analyzes improvement.
2. a kind of method of long-range processing vehicle insurance Claims Resolution business according to claim 1, which is characterized in that the client
It (1) further include positioning unit (15).
3. a kind of method of long-range processing vehicle insurance Claims Resolution business according to claim 1, which is characterized in that the identity is tested
Card unit (11) includes the verifying of identity card front and back sides, the verifying of driver's license front and back sides and face recognition verifying.
4. a kind of method of long-range processing vehicle insurance Claims Resolution business according to claim 1, which is characterized in that the vehicle is tested
Card unit (12) includes vehicle identification code verifying, the verifying of vehicle model color, license plate number verifying and vehicle driving results card.
5. a kind of method of long-range processing vehicle insurance Claims Resolution business according to claim 1, which is characterized in that the core damage is single
The prompt of first (23) includes the evidence obtaining of prompt accident peripheral information, the scene of the accident is integrally collected evidence, the scene of the accident is locally collected evidence, Shuan Fangshen
The evidence obtaining of part information and the evidence obtaining of both sides' information of vehicles.
6. a kind of method of long-range processing vehicle insurance Claims Resolution business according to claim 1, which is characterized in that the split screen list
First (31) can arbitrarily adjust double screen size.
7. a kind of method of long-range processing vehicle insurance Claims Resolution business according to claim 1, which is characterized in that the client
It (1) further include positioning unit (15) and navigation elements (16).
8. a kind of system of long-range processing vehicle insurance Claims Resolution business, which is characterized in that mainly include client (1), the person of surveying end
(2), supervisor end (3), repair shop end (4), Claims Resolution terminal (5), internet (6) and review person end (7), the client (1),
The person of surveying end (2), supervisor end (3), repair shop end (4), Claims Resolution terminal (5) and review person end (7) are mutual by the internet
Be connected (6)；
The client (1) includes identity authenticating unit (11), vehicle authentication unit (12), unit of reporting a case to the security authorities (13), evidence obtaining unit
(14), positioning unit (15) and navigation elements (16), the identity authenticating unit (11) are described for verifying owner identity information
Vehicle authentication unit (12) is reported a case to the security authorities for car owner to insurance company for verifying information of vehicles of insuring, the unit of reporting a case to the security authorities (13),
The evidence obtaining unit (14) is used to carry out camera shooting evidence-obtaining to accident by camera, and the positioning unit (15) is for positioning vehicle
Place where the accident occurred point, the navigation elements (16) leave for specifying repair shop for navigation vehicle chief commander accident vehicle；
The person of the surveying end (2) includes that case receiving unit (21), long-range connection unit (22), core damage unit (23) and data are protected
Memory cell (24), the case receiving unit (21) are used to receive the information of reporting a case to the security authorities of client (1), the long-range connection unit
(22) it is remotely collected evidence for the person of surveying end (2) to be connect with client (1), core damage unit (23) is for guidance and core
Scene of the accident evidence obtaining is looked into, the data storage unit (24) is for all data during preservation evidence obtaining；
The supervisor end (3) includes split screen unit (31), data extraction unit (32), recording unit (33) and surveys assessment list
First (34), the split screen unit (31) are used to for supervisor end (3) being divided into two screens, and a screen shows client (1), separately
One screen shows the person of surveying end (2) that the data extraction unit (32) is used to extract the case in data storage unit (24)
Data, the recording unit (33) is used to record the overall flow that the person of surveying end connect evidence obtaining with client, described to survey assessment
Unit (34) assesses the work for the person of surveying for supervisor；
The repair shop end (4) includes that data receiving unit (41), solution formulation unit (42), expense estimate unit (43) and dimension
It repairs feedback unit (44), the data receiving unit (41) is for receiving maintenance case data, the scheme customization units (42)
For formulating corresponding maintenance program according to case data, the expense estimate unit (43) for according to specified maintenance program come
Maintenance cost is estimated, specific repair and expense are sent to Claims Resolution eventually after maintenance by the maintenance feedback unit (44)
It holds (5)；
The Claims Resolution terminal (5) includes payout schedule unit (51), examination & approval unit (52), compensates unit (53) and result core document examination
First (54), the payout schedule unit (51) is for formulating specific Claims Resolution scheme, and the examination & approval unit (52) is for examining Claims Resolution
Concept feasible, the compensation unit (53) are used to carry out amount of money compensation to car owner, and result audit unit (54) is used for
Lawsuit progress core is examined after case and analyzes improvement；
The review person end (7) includes that case examines that unit (71), examination reports obtain unit (72), opinion comparing unit (73)
With review of adjudication on opposition request unit (74), the case examines that unit (71) integrally examine case for review person, described
Examination reports show that unit (72) provide examination reports for auditor, and the opinion comparison unit (73) is for anticipating review person
See and compared with supervisor's opinion, the review of adjudication on opposition request unit (74) be used for review person's opinion and supervisor's opinion not
Secondary reexamination is carried out when consistent.
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