WO2018184533A1 - 车险理赔方法和装置 - Google Patents

车险理赔方法和装置 Download PDF

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Publication number
WO2018184533A1
WO2018184533A1 PCT/CN2018/081771 CN2018081771W WO2018184533A1 WO 2018184533 A1 WO2018184533 A1 WO 2018184533A1 CN 2018081771 W CN2018081771 W CN 2018081771W WO 2018184533 A1 WO2018184533 A1 WO 2018184533A1
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WIPO (PCT)
Prior art keywords
survey
information
accessory
item
terminal
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PCT/CN2018/081771
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English (en)
French (fr)
Inventor
林峰
刘金萍
王鸿
范思焯
谢洪彬
蔡智晓
Original Assignee
平安科技（深圳）有限公司
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Publication of WO2018184533A1 publication Critical patent/WO2018184533A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management

Definitions

  • the present application relates to the field of computer technology, and in particular, to a car insurance claim method and apparatus.
  • a car insurance claim method includes:
  • the survey information including the survey item and the corresponding survey quote
  • a car insurance claim device includes:
  • a positioning module configured to capture location information of the inspection terminal
  • An operation module configured to allow an input operation of the surveyor when the location information is consistent with the risk location
  • the obtaining module is configured to obtain survey information input by the surveyor, where the survey information includes the survey item and the corresponding survey quotation;
  • a car insurance claim method includes:
  • a car insurance claim device comprising:
  • a second receiving module configured to receive auto insurance report information uploaded by the client terminal
  • a task generation module configured to generate a vehicle risk inspection task according to the vehicle insurance report information
  • a second sending module configured to send the vehicle insurance inspection task to the inspection terminal; the vehicle insurance inspection task carries a risk location;
  • the second receiving module is further configured to receive survey information uploaded by the surveying terminal at the risk location, where the survey information includes a survey item and a survey quotation;
  • the comparison module is configured to compare the survey information according to a preset rule. If the survey information meets the preset rule, and the survey quote is less than or equal to a preset value, the survey item and The survey quotation record is the fixed damage item and the fixed loss amount corresponding to the auto insurance claim.
  • a terminal comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to perform the following step:
  • the survey information including the survey item and the corresponding survey quote
  • a server comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to perform the following step:
  • the vehicle insurance inspection task carries a risk location
  • One or more non-transitory computer readable storage mediums storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of:
  • the survey information including the survey item and the corresponding survey quote
  • One or more non-transitory computer readable storage mediums storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of:
  • the vehicle insurance inspection task carries a risk location
  • 1 is an application environment diagram of a car insurance claim method in accordance with one or more embodiments
  • FIG. 2 is a flow chart of a car insurance claim method in accordance with one or more embodiments
  • FIG. 3 is a block diagram of a survey item information input interface in accordance with one or more embodiments
  • FIG. 4 is a block diagram of a survey terminal in accordance with one or more embodiments.
  • FIG. 6 is a block diagram of a server in accordance with one or more embodiments.
  • FIG. 7 is a block diagram of a car insurance claim device in accordance with one or more embodiments.
  • Figure 8 is a block diagram of a car insurance claim device in another embodiment.
  • the car insurance claim method provided in the embodiment of the present application can be applied to the application environment as shown in FIG.
  • the client terminal 102 is connected to the server 104 via a network
  • the survey terminal 106 is connected to the server 104 via a network.
  • the report information includes the basic information of the vehicle and the place of the accident.
  • the server 104 acquires the report information, generates the auto insurance survey task by using the report information, and sends the auto insurance survey task to the survey terminal 106 corresponding to the survey surveyor.
  • the surveying personnel inspect the accident vehicle at the place of the accident, and input the survey information through the survey terminal 106.
  • the survey terminal 106 uploads the survey information to the server 104.
  • the server 104 receives the survey information and compares the survey information according to a preset rule. If the survey information meets the preset rule and the survey quote is less than or equal to the preset value, it is determined that the auto insurance claim is a low risk claim.
  • the server determines the survey item as the corresponding fixed loss item and records it, and the server 104 determines the survey quotation as the corresponding fixed loss amount and records.
  • a car insurance claim method is provided.
  • the method is applied to the survey terminal in FIG. 1 as an example, and specifically includes the following steps:
  • step 202 the vehicle insurance inspection task is received, and the vehicle insurance inspection task carries the risk location.
  • the customer can use the client terminal to report the vehicle to the server.
  • the report information includes the basic information of the vehicle and the place of the accident.
  • the server obtains the report information, generates the auto insurance survey task by using the report information, and sends the auto insurance survey task to the survey terminal corresponding to the survey surveyor.
  • the surveying terminal can capture the current location information through GPS positioning, and upload the location information to the server. On the way to the place of the insurance, the surveying terminal can upload its location information to the server in real time.
  • the survey terminal refuses the operation of the surveyor to input the survey information.
  • the location information of the survey terminal includes longitude and latitude.
  • the survey terminal obtains the longitude and latitude corresponding to the place of the accident.
  • the inspection terminal may determine that the location information of the terminal is consistent with the location of the insurance, indicating that the surveyor has arrived at the place of the accident.
  • Step 206 Obtain survey information input by the surveyor, and the survey information includes the survey item and the corresponding survey quote.
  • Step 208 Upload the survey information to the server, so that the server compares the survey information according to the preset rule. If the survey information meets the preset rule, and the survey quotation is less than or equal to the preset value, the survey item and the survey quotation record are recorded. The damage item and the fixed loss amount corresponding to the auto insurance claim.
  • the surveyor surveys the accident vehicle at the place of the accident and inputs the survey information through the survey terminal.
  • the survey information includes: basic information and survey project information.
  • Basic information includes: vehicle structure, loss location, insurance coverage and accident liability.
  • Survey projects include: accessory projects and working hours projects.
  • the survey input information input interface is shown in Figure 3.
  • the accessory item has a corresponding quantity and quotation.
  • the working hours project has a corresponding quotation.
  • the quote can have a corresponding local quote. In the field of the local price field, the market price corresponding to the accessory name can be displayed locally. The local price allows the surveyor to enter the quote directly at the scene of the accident.
  • the total amount of the quotation of the accessory item may also be referred to as the total amount of the accessory, and the total amount of the quotation of the working item may also be referred to as the total amount of the working hour.
  • the sum of the total amount of spare parts and the total amount of working hours can be collectively referred to as the survey quotation or the total amount of the survey.
  • the survey terminal uploads the survey information to the server.
  • the server receives the survey information and compares the survey information according to a preset rule.
  • Preset rules include a variety of rules, such as insurance, accident liability, whether the owner is driving, whether it is a blacklist driver, the number of accessories, the amount of individual accessories, the total amount of accessories, the total amount of working hours, and the total amount of the survey. Different organizations can set different preset rules.
  • the server determines the auto insurance claim as a low risk claim.
  • the server determines the survey item as the corresponding fixed loss item and records it, and the server determines the survey quotation as the corresponding fixed loss amount and records it.
  • the server determines that the auto insurance claim is a high risk claim.
  • the server sends the survey information to the audit terminal for manual review.
  • the surveying terminal when the surveying personnel perform the vehicle insurance surveying task, the surveying terminal captures its current location. When the location information is consistent with the location of the insurance, the surveying terminal allows the surveying information input by the surveyor to be accepted, thereby ensuring the surveying. The accuracy of the information.
  • the surveying terminal uploads the survey information to the server, and the server compares the survey information by using a preset rule. If the survey information meets the preset rule, and the survey quotation is less than or equal to the preset value, the server may record the survey item and the survey quotation record.
  • the damage item and the fixed loss amount corresponding to the auto insurance claim. It is not necessary for the insurance company to send a fixed loss person to make a loss, and it is not necessary to calculate the fixed loss amount again. This can effectively reduce the time spent on car insurance claims and improve the efficiency of claims.
  • the survey information includes an accessory item
  • the method further includes: obtaining an accessory item input by the surveyor, performing matching verification on the accessory item; generating a prompt information if the verification is not passed, and rejecting the surveyor An operation.
  • the surveyor surveys the accident vehicle at the place of the accident and inputs the survey information through the survey terminal.
  • the survey information includes survey items, and the survey items include accessories items.
  • the survey terminal performs matching verification on the accessory item.
  • the step of performing matching verification on the accessory item includes: when the accessory item is an assembly accessory or an inclusive accessory, if the next item name entered is an accessory or inclusive of the assembly accessory
  • the accessory of the accessory, or the name of the next accessory entered is the total accessory of the assembly accessory or the total accessory of the accessory, the verification fails; when the accessory item is repaired and replaced, if the accessory name is currently The input is the accessory to be repaired. If the accessory name is entered as the component to be replaced in the next operation, the verification fails; if the name of the next component entered is the same as the name of the previous accessory, the verification fails.
  • the accessory item input by the surveyor is an assembly accessory
  • the accessory name entered in the next accessory item is an accessory accessory of the assembly accessory
  • the verification fails.
  • the accessory item input by the current surveyor is the front bumper, which belongs to the assembly accessory. If the accessory name entered in the next accessory item is the bumper bracket, the matching check cannot be passed.
  • an airbag includes an airbag, an airbag sensor, and an electronic control device. If the currently entered part name is an air bag, the part name entered in the next item item is the air bag sensor, and the match check cannot be passed.
  • the accessory item input by the surveyor belongs to the repair and replacement, it means that the input component is the accessory to be repaired or the accessory to be replaced, that is, the input component is either repaired or replaced. If the part name is currently entered as the part to be repaired, if the part name is entered as the part to be replaced in the next operation, the match check cannot be passed. Or, the accessory name is currently input as the accessory to be replaced. If the accessory name is entered as the accessory to be repaired in the next operation, the match is verified by the match.
  • the match check cannot be passed.
  • the inspection terminal generates a prompt message, and the surveyor needs to timely modify the input accessory item. If the surveyor fails to pass the match check after modification or modification, the survey terminal refuses to accept the next operation of the surveyor until the currently entered accessory item passes the match check.
  • a variety of matching checks are performed on the input accessory items to effectively prevent repeated input and erroneous input. Prompt prompts for accessory items that fail to pass the matching check to ensure that the accessory items entered by the surveyor are accurate.
  • a terminal such as a survey terminal, including a processor coupled via a system bus, an internal memory, a non-volatile storage medium, a network interface, a display screen, and an input device.
  • the processor is used to provide computing and control capabilities.
  • the non-volatile storage medium can be a non-transitory computer readable medium.
  • An operating system and computer readable instructions are stored in the non-volatile storage medium.
  • the internal memory provides an environment for the operation of operating systems and computer readable instructions in a non-volatile storage medium.
  • the processor can be caused to perform a car insurance claim method.
  • the display can be a liquid crystal display or an electronic ink display.
  • the input device of the terminal may be a touch layer covered on the display screen, or may be a button or a touch pad disposed on the outer casing of the terminal.
  • the survey terminal can be a mobile terminal such as a mobile phone, a tablet computer or a personal digital assistant. It will be understood by those skilled in the art that the structure shown in FIG. 4 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the search terminal to which the solution of the present application is applied.
  • the specific terminal may include More or fewer components than shown in the figure, or some components combined, or with different component arrangements.
  • a car insurance claim method is provided.
  • the method is applied to the server in FIG. 1 as an example, and specifically includes the following steps:
  • Step 502 Receive car insurance report information uploaded by the client terminal.
  • Step 504 Generate a vehicle insurance inspection task according to the vehicle insurance report information, and send the vehicle insurance inspection task to the inspection terminal; the vehicle insurance inspection task carries the risk location.
  • Step 508 Compare the survey information according to the preset rule. If the survey information meets the preset rule, and the survey quotation is less than or equal to the preset value, record the survey item and the survey quotation as the fixed damage item corresponding to the auto insurance claim and determine The amount of the loss.
  • the customer when an accident occurs in the insured vehicle of the customer, the customer can use the client terminal to report the vehicle insurance to the server.
  • the report information includes the basic information of the vehicle and the place of the accident.
  • the server obtains the report information, generates the auto insurance survey task by using the report information, and sends the auto insurance survey task to the survey terminal corresponding to the survey surveyor. For example, the server may assign a car insurance survey task to the surveyor closest to the place of the risk.
  • the surveyor surveys the accident vehicle at the place of the accident and inputs the survey information through the survey terminal.
  • the survey information includes: basic information and survey project information.
  • Basic information includes: vehicle structure, loss location, insurance coverage and accident liability.
  • the survey terminal uploads the survey information to the server.
  • the server receives the survey information and compares the survey information according to a preset rule.
  • Preset rules include a variety of rules, such as insurance, accident liability, whether the owner is driving, whether it is a blacklist driver, the number of accessories, the amount of individual accessories, the total amount of accessories, the total amount of working hours, and the total amount of the survey. Different organizations can set different preset rules.
  • the server determines the survey item as the corresponding fixed loss item and records it, and the server determines the survey quotation as the corresponding fixed loss amount and records it.
  • the server determines the survey quotation as the corresponding fixed loss amount and records it.
  • the server after receiving the auto insurance report information uploaded by the client terminal, the server generates a corresponding auto insurance survey task.
  • the surveying inspector performs the survey on the place where the vehicle is inspected, and uploads the survey information to the server through the survey terminal.
  • the server compares the survey information through the preset rules. If the survey information meets the preset rules, and the survey quote is less than Or equal to the preset value, then the server can record the survey item and the survey quotation as the fixed damage item and the fixed loss amount corresponding to the auto insurance claim. It is not necessary for the insurance company to send a fixed loss person to make a loss, and it is not necessary to calculate the fixed loss amount again. This can effectively reduce the time spent on car insurance claims and improve the efficiency of claims.
  • the method further includes: receiving location information uploaded by the inspection terminal in real time; marking the location information in the electronic map; and acquiring the survey information corresponding to the survey terminal and The link of the electronic map generates feedback information based on the survey information and links, and sends the feedback information to the client terminal.
  • the survey surveyor uses the survey terminal to perform the vehicle risk survey task.
  • the survey terminal locates its current location and uploads the location information to the server in real time.
  • the server can mark the electronic map according to the location information of the survey terminal.
  • the server can also mark the location information of the location of the accident in the electronic map. For example, the server marks the starting location of the terminal as a starting point in the electronic map, and marks the location of the insured location as an end point in the electronic map.
  • the server After the server sends the vehicle insurance inspection task to the inspection terminal, it obtains the information of the surveyor, such as the name and contact number.
  • the server obtains the link of the above electronic map, generates feedback information by using the link and the survey information, and returns the feedback information to the client terminal.
  • the customer By clicking on the link through the client terminal, the customer can display the electronic map and display the location of the survey terminal on the electronic map, so that the customer can know the location of the surveyor in real time. Provided convenience to customers.
  • the method further includes: obtaining the repair manufacturer name and the corresponding address; using the repair manufacturer name and the corresponding address The recommendation information is generated, and the recommendation information is sent to the client terminal; when the customer sends the repair to the insurance vehicle at the address according to the recommended information, the maintenance record uploaded by the maintenance terminal is received.
  • the server may obtain the repair manufacturer name and the corresponding address, generate the recommendation information by using the repair manufacturer name and the corresponding address, and send the recommendation information to the client terminal.
  • the repairing terminal of the repairing factory uploads the maintenance record of the insured vehicle to the server. The server saves the maintenance record of the insurance vehicle.
  • the server may also perform statistics on the name of the repairing manufacturer who chooses to send and repair according to the maintenance record according to the preset frequency, and record the name of the repairing manufacturer whose number of repairs is more than the threshold value as the key recommended manufacturer.
  • the server can also obtain the price of the accessory uploaded by the key recommendation manufacturer, so as to update the fixed loss price corresponding to the fixed damage accessory, thereby further improving the accuracy of the automatic damage determination.
  • FIGS. 2 and 5 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and the steps may be performed in other orders. Moreover, at least some of the steps in FIGS. 2 and 5 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be performed at different times, or The order of execution of the stages is also not necessarily sequential, but may be performed alternately or alternately with at least a portion of the sub-steps or stages of other steps or other steps.
  • a server in one embodiment, as shown in FIG. 6, includes a processor coupled via a system bus, an internal memory, a non-volatile storage medium, and a network interface.
  • the processor is used to provide calculation and control capabilities.
  • the internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage medium.
  • An operating system and computer readable instructions are stored in the non-volatile storage medium.
  • the non-volatile storage medium can be a non-transitory computer readable storage medium.
  • the computer readable instructions when executed by the processor, cause the processor to perform a car insurance claim method.
  • the network interface is used for communicating with an external terminal through a network connection, for example, receiving vehicle insurance report information uploaded by the client terminal, and transmitting a vehicle insurance survey task to the survey terminal.
  • the server can be implemented with a stand-alone server or a server cluster consisting of multiple servers. It will be understood by those skilled in the art that the structure shown in FIG. 6 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the server to which the solution of the present application is applied.
  • the specific server may include a ratio. More or fewer components are shown in the figures, or some components are combined, or have different component arrangements.
  • a car insurance claim device including: a first receiving module 702, a positioning module 704, an operating module 706, an obtaining module 708, and a first sending module 710, wherein:
  • the first receiving module 702 is configured to receive a vehicle insurance inspection task, and the vehicle insurance inspection task carries a risk location.
  • the positioning module 704 is configured to capture location information of the inspection terminal.
  • the operation module 706 is configured to allow the input operation of the surveyor when the location information is consistent with the location of the insurance.
  • the obtaining module 708 is configured to obtain survey information input by the surveyor, and the survey information includes the survey item and the corresponding survey quote.
  • the first sending module 710 is configured to upload the survey information to the server, so that the server compares the survey information according to the preset rule. If the survey information meets the preset rule, and the survey quote is less than or equal to the preset value, the survey will be searched.
  • the project and survey quotation records are the fixed damage items and the fixed loss amount corresponding to the auto insurance claims.
  • the survey information includes an accessory item
  • the obtaining module 708 is further configured to acquire the accessory item input by the surveyor
  • the device further comprising: a check module 712, configured to perform matching verification on the accessory item; and the operation module 706 It is also used to generate a prompt message if the verification is not passed, and refuses to accept the next operation of the surveyor.
  • the verification module 712 is further configured to: when the accessory item is an assembly accessory or an inclusive accessory, if the next component name entered is an accessory component of the assembly accessory or an accessory component containing the accessory component, Or the next accessory name entered is the total accessory of the assembly accessory or the total accessory containing the accessory, the verification fails; when the accessory item is repaired and replaced, if the accessory name is currently in the repaired accessory If the accessory name is entered as the accessory to be replaced in the next operation, the verification fails; if the next accessory name entered is the same as the previous accessory name, the verification fails.
  • a car insurance claim device including: a second receiving module 802, a task generating module 804, a second sending module 806, and a comparison module 808, wherein:
  • the second receiving module 802 is configured to receive the car insurance report information uploaded by the client terminal.
  • the task generation module 804 is configured to generate a vehicle risk inspection task according to the vehicle insurance report information.
  • the second sending module 806 is configured to send the vehicle insurance inspection task to the inspection terminal; the vehicle insurance inspection task carries the risk location.
  • the second receiving module 802 is further configured to receive the survey information uploaded by the survey terminal at the risk location, and the survey information includes the survey item and the survey quotation.
  • the comparison module 808 is configured to compare the survey information according to the preset rule. If the survey information meets the preset rule, and the survey quote is less than or equal to the preset value, the survey item and the survey quote are recorded as corresponding to the vehicle insurance claim. Damage item and fixed loss amount.
  • the second receiving module 802 is further configured to receive the location information uploaded by the tracking terminal in real time; the device further includes: a recording module 810 and an information generating module 812, where:
  • the recording module 810 is configured to mark the location information in an electronic map.
  • the information generating module 812 is configured to acquire the surveyor information corresponding to the survey terminal and the link of the electronic map, and generate feedback information according to the surveyer information and the link.
  • the second sending module 806 is further configured to send the feedback information to the client terminal.
  • the information generating module 812 is further configured to acquire a repair factory name and a corresponding address; generate recommendation information by using a repair manufacturer name and a corresponding address; and the second sending module 806 is further configured to send the recommended information to the client terminal.
  • the second receiving module 802 is further configured to receive a maintenance record uploaded by the maintenance terminal when the customer sends the repair to the insurance vehicle at the address according to the recommended information.
  • each of the above-described auto insurance claims devices may be implemented in whole or in part by software, hardware, and combinations thereof.
  • Each of the above modules may be embedded in or independent of the processor in the computer device, or may be stored in a memory in the computer device in a software form, so that the processor invokes the operations corresponding to the above modules.
  • a terminal comprising a memory and one or more processors having stored therein computer readable instructions that, when executed by a processor, cause one or more processors to perform the steps in the implementation of the respective methods described above.
  • a server comprising a memory and one or more processors having stored therein computer readable instructions that, when executed by a processor, cause one or more processors to perform the steps of the respective method implementations described above.
  • One or more non-volatile storage media storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps in the various method implementations described above.
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM) or external cache memory.
  • RAM is available in a variety of formats, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronization chain.
  • SRAM static RAM
  • DRAM dynamic RAM
  • SDRAM synchronous DRAM
  • DDRSDRAM double data rate SDRAM
  • ESDRAM enhanced SDRAM
  • Synchlink DRAM SLDRAM
  • Memory Bus Radbus
  • RDRAM Direct RAM
  • DRAM Direct Memory Bus Dynamic RAM
  • RDRAM Memory Bus Dynamic RAM

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Abstract

本申请涉及一种车险理赔方法，包括：接收车险查勘任务，所述车险查勘任务携带了出险地点；捕捉所述查勘终端的位置信息，当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。

Description

车险理赔方法和装置
本申请要求于2017年4月7日提交中国专利局，申请号为2017102248984，申请名称为“车险理赔方法和装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及计算机技术领域，特别是涉及一种车险理赔方法和装置。
背景技术
随着汽车的普及，车险也逐渐融入到人们的生活中。当被保险的车辆发生交通事故时，保险公司会派出查勘员前往事故现场进行查勘。根据车辆的损失部位和程度，保险公司通常还会派出定损员前往维修点进行定损。定损之后保险公司计算赔偿金额。在事故理赔的过程中，基本上都是由人工来完成的，耗时较长，效率较低。
发明内容
根据本申请公开的各种实施例，提供一种车险理赔方法和装置。
一种车险理赔方法，包括：
接收车险查勘任务，所述车险查勘任务携带了出险地点；
捕捉所述查勘终端的位置信息，当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；
获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
一种车险理赔装置，包括：
第一接收模块，用于接收车险查勘任务，所述车险查勘任务携带了出险地点；
定位模块，用于捕捉所述查勘终端的位置信息；
操作模块，用于当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；
获取模块，用于获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
第一发送模块，用于将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
一种车险理赔方法，包括：
接收客户终端上传的车险报案信息；
根据所述车险报案信息生成车险查勘任务，将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
一种车险理赔装置，所述装置包括：
第二接收模块，用于接收客户终端上传的车险报案信息；
任务生成模块，用于根据所述车险报案信息生成车险查勘任务；
第二发送模块，用于将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
所述第二接收模块还用于接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
比对模块，用于根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
一种终端，包括存储器和一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：
接收车险查勘任务，所述车险查勘任务携带了出险地点；
捕捉所述查勘终端的位置信息，当所述位置信息与所述出险地点一致时， 允许接受查勘员的输入操作；
获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
一种服务器，包括存储器和一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：
接收客户终端上传的车险报案信息；
根据所述车险报案信息生成车险查勘任务，将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
接收车险查勘任务，所述车险查勘任务携带了出险地点；
捕捉所述查勘终端的位置信息，当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；
获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下 步骤：
接收客户终端上传的车险报案信息；
根据所述车险报案信息生成车险查勘任务，将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1为根据一个或多个实施例中的车险理赔方法应用环境图；
图2为根据一个或多个实施例中车险理赔方法的流程图；
图3为根据一个或多个实施例中查勘项目信息输入界面的框图；
图4为根据一个或多个实施例中查勘终端的框图；
图5为另一个实施例中车险理赔方法的流程图；
图6为根据一个或多个实施例中服务器的框图；
图7为根据一个或多个实施例中车险理赔装置的框图；
图8为另一个实施例中车险理赔装置的框图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例中所提供的车险理赔方法，可以应用于如图1所示的应用环境中。客户终端102通过网络与服务器104连接，查勘终端106通过网络 与服务器104连接。当参保车辆发生事故时，客户可以利用客户终端102向服务器104进行车险报案。报案信息包括车辆基本信息和出险地点等。服务器104获取报案信息，利用报案信息生成车险查勘任务，并且将车险查勘任务发送至查勘员对应的查勘终端106。查勘员在出险地点对事故车辆进行查勘，通过查勘终端106输入查勘信息。查勘信息输入完毕后，查勘终端106将查勘信息上传至服务器104。服务器104接收查勘信息，并且根据预设规则对查勘信息进行比对。如果查勘信息符合预设规则并且查勘报价小于或等于预设值，则确定本次车险理赔为低风险理赔。服务器将查勘项目确定为对应的定损项目并进行记录，服务器104将查勘报价确定为对应的定损金额并进行记录。对于低风险的车险理赔，不需要保险公司再派出定损人员进行定损，也不需要再次核算定损金额。由此能够有效减少车险理赔耗时，提高理赔效率。
在一个实施例中，如图2所示，提供了一种车险理赔方法，以该方法应用于图1中的查勘终端为例进行说明，具体包括以下步骤：
步骤202，接收车险查勘任务，车险查勘任务携带了出险地点。
步骤204，捕捉查勘终端的位置信息，当位置信息与出险地点一致时，允许接受查勘员的输入操作。
当车辆发生事故时，客户可以利用客户终端向服务器进行车险报案。报案信息包括车辆基本信息和出险地点等。服务器获取报案信息，利用报案信息生成车险查勘任务，并且将车险查勘任务发送至查勘员对应的查勘终端。
查勘员在通过查勘终端接收车险查勘任务后，查勘终端可以通过GPS定位来捕捉当前所在的位置信息，并且将位置信息上传至服务器。查勘员在前往出险地点的途中，查勘终端可以将其位置信息实时上传至服务器。
为了确保查勘员录入的查勘信息的准确性，在查勘员到达出险地点之前，查勘终端拒绝查勘员输入查勘信息的操作。查勘终端的位置信息包括经度和纬度。查勘终端获取出险地点对应的经度和纬度。当查勘终端的经度和纬度与出险地点的经度和纬度的误差在预设范围内时，查勘终端可以确定其所在的位置信息与出险地点一致，表示查勘员到达出险地点。
步骤206，获取查勘员输入的查勘信息，查勘信息包括查勘项目和对应的查勘报价。
步骤208，将查勘信息上传至服务器，以使得服务器根据预设规则对查勘信息进行比对，若查勘信息符合预设规则，且查勘报价小于或等于预设值， 则将查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
查勘员在出险地点对事故车辆进行查勘，通过查勘终端输入查勘信息。查勘信息包括：基本信息和查勘项目信息。基本信息包括：车辆结构、损失部位、承保险别和事故责任等。查勘项目包括：配件项目和工时项目。查勘项目信息输入界面如图3所示。配件项目具有对应的数量和报价。工时项目具有对应的报价。报价可以具有对应的本地报价。在本地价格的字段中可以显示配件名称在本地对应的市场报价。本地价格可以便于查勘员在出险现场直接输入报价。配件项目的报价总金额也可以称为配件总金额，工时项目的报价总金额也可以称为工时总金额。配件总金额与工时总金额的和可以统称为查勘报价或者查勘总金额。
查勘信息输入完毕后，查勘终端将查勘信息上传至服务器。服务器接收查勘信息，并且根据预设规则对查勘信息进行比对。预设规则包括多种，例如，承保险别、事故责任、是否车主驾驶、是否为黑名单驾驶员、配件数量、单个配件金额、配件总金额、工时总金额以及查勘总金额等。不同的机构可以设置不同的预设规则。
如果查勘信息符合预设规则并且查勘报价小于或等于预设值，则确定本次车险理赔为低风险理赔。例如，某机构设置的预设规则为事故责任为免责，配件数量为3个，查勘报价为2000元。如果查勘信息与该预设规则相符，并且查勘报价小于2000元，则服务器将本次车险理赔确定为低风险理赔。服务器将查勘项目确定为对应的定损项目并进行记录，服务器将查勘报价确定为对应的定损金额并进行记录。对于低风险的车险理赔，不需要保险公司再派出定损人员进行定损，也不需要再次核算定损金额。由此能够有效减少车险理赔耗时，提高理赔效率。
如果查勘信息中存在不符合预设规则的内容或者查勘报价高于预设值，则服务器确定本次车险理赔为高风险理赔。服务器将查勘信息发送至审核终端，进行人工审核。
本实施例中，查勘员在执行车险查勘任务时，通过查勘终端捕捉其当前所在位置，当其位置信息与出险地点一致时，查勘终端才允许接受查勘员输入的查勘信息，由此能够确保查勘信息的准确性。查勘终端将查勘信息上传至服务器，服务器通过预设规则对查勘信息进行比对，如果查勘信息符合预设规则，并且查勘报价小于或等于预设值，那么服务器即可将查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。不需要保险公司再派出 定损人员进行定损，也不需要再次核算定损金额。由此能够有效减少车险理赔耗时，提高理赔效率。
在一个实施例中，查勘信息包括配件项目，方法还包括：获取查勘员输入的配件项目，对配件项目进行匹配校验；若未通过校验，则生成提示信息，并且拒绝接受查勘员的下一项操作。
查勘员在出险地点对事故车辆进行查勘，通过查勘终端输入查勘信息。查勘信息包括查勘项目，查勘项目包括配件项目。当查勘员输入配件项目时，查勘终端对配件项目进行匹配校验。
在其中一个实施例中，对配件项目进行匹配校验的步骤，包括：当配件项目为总成配件或包含性配件时，若输入的下一项配件名称为总成配件的附属配件或包含性配件的附属配件，或输入的下一项配件名称为总成配件的总配件或包含性配件的总配件，则校验未通过；当配件项目为即修且换配件时，若配件名称在当前输入为待维修配件，下一项操作中对配件名称输入为待更换配件，则校验未通过；若输入的下一项配件名称与上一项配件名称相同，则校验未通过。
当查勘员输入的配件项目为总成配件时，如果当前输入的配件名称为总成配件，在下一项配件项目中输入的配件名称为该总成配件的附属附件，则校验未通过。或者如果当前输入的配件名称为总成配件的一个附属配件，在下一项配件项目中输入的配件名称为总成配件，则校验未通过。例如，当前查勘员输入的配件项目为前保险杆，属于总成配件，如果在下一项配件项目中输入的配件名称为保险杠支架，则不能通过匹配校验。
对于不属于总成配件，却也包含附属配件的配件可以称为包含性配件。例如，安全气囊包括气囊、气囊传感器以及电子控制装置。如果当前输入的配件名称为安全气囊，在下一项配件项目中输入的配件名称为气囊传感器，则不能通过匹配校验。
当查勘员输入的配件项目属于即修且换配件时，表示所输入的配件为待维修配件或者为待更换配件，也就是说，所输入的配件要么维修要么更换。如果配件名称在当前输入为待维修配件，在下一项操作中如果将该配件名称输入为待更换配件，则不能通过匹配校验。或者，配件名称在当前输入为待更换配件，如果在下一项操作中将该配件名称输入为待维修配件，则不同通过匹配校验。
此外，当查勘员重复输入同一个配件名称时，不能通过匹配校验。当匹 配校验未能通过时，查勘终端生成提示信息，需要查勘员对输入的配件项目进行及时修改。如果查勘员未进行修改或修改后仍未能通过匹配校验，则查勘终端拒绝接受查勘员的下一项操作，直至当前输入的配件项目通过匹配校验为止。
通过对输入的配件项目进行多种匹配校验，以便有效防止重复输入以及错误输入等。对于未能通过匹配校验的配件项目进行及时提示，以确保查勘员输入的配件项目准确无误。
在一个实施例中，如图4所示，提供了一种终端，如查勘终端，包括通过***总线连接的处理器、内存储器、非易失性存储介质、网络接口、显示屏以及输入装置。处理器用于提供计算和控制能力。非易失性存储介质可以是非易失性计算机可读介质。非易失性存储介质中存储了操作***以及计算机可读指令。内存储器为非易失性存储介质中的操作***和计算机可读指令的运行提供环境。计算机可读指令被处理器执行时，可使得处理器执行一种车险理赔方法。显示屏可以是液晶显示屏或者电子墨水显示屏等。该终端的输入装置可以是显示屏上覆盖的触摸层，也可以是终端的外壳上设置的按键或触控板。查勘终端可以如手机、平板电脑或者个人数字助理等的移动终端。本领域技术人员可以理解，图4中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的查勘终端的限定，具体的终端可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在一个实施例中，如图5所示，提供了一种车险理赔方法，以该方法应用于图1中的服务器为例，具体包括以下步骤：
步骤502，接收客户终端上传的车险报案信息。
步骤504，根据车险报案信息生成车险查勘任务，将车险查勘任务发送至查勘终端；车险查勘任务携带了出险地点。
步骤506，接收查勘终端在出险地点上传的查勘信息，查勘信息包括查勘项目和查勘报价。
步骤508，根据预设规则对查勘信息进行比对，若查勘信息符合预设规则，且查勘报价小于或等于预设值，则将查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
本实施例中，客户的被保险车辆发生事故时，客户可以利用客户终端向服务器进行车险报案。报案信息包括车辆基本信息和出险地点等。服务器获 取报案信息，利用报案信息生成车险查勘任务，并且将车险查勘任务发送至查勘员对应的查勘终端。例如，服务器可以将车险查勘任务分配至与出险地点最近的查勘员。
查勘员在出险地点对事故车辆进行查勘，通过查勘终端输入查勘信息。查勘信息包括：基本信息和查勘项目信息。基本信息包括：车辆结构、损失部位、承保险别和事故责任等。查勘信息输入完毕后，查勘终端将查勘信息上传至服务器。服务器接收查勘信息，并且根据预设规则对查勘信息进行比对。预设规则包括多种，例如，承保险别、事故责任、是否车主驾驶、是否为黑名单驾驶员、配件数量、单个配件金额、配件总金额、工时总金额以及查勘总金额等。不同的机构可以设置不同的预设规则。
如果查勘信息符合预设规则并且查勘报价小于或等于预设值，则确定本次车险理赔为低风险理赔。服务器将查勘项目确定为对应的定损项目并进行记录，服务器将查勘报价确定为对应的定损金额并进行记录。对于低风险的车险理赔，不需要保险公司再派出定损人员进行定损，也不需要再次核算定损金额。由此能够有效减少车险理赔耗时，提高理赔效率。
本实施例中，服务器在接收到客户终端上传的车险报案信息后，会生成相应的车险查勘任务。查勘员在执行车险查勘任务时，在出险地点进行查勘，并且通过查勘终端将查勘信息上传至服务器，服务器通过预设规则对查勘信息进行比对，如果查勘信息符合预设规则，并且查勘报价小于或等于预设值，那么服务器即可将查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。不需要保险公司再派出定损人员进行定损，也不需要再次核算定损金额。由此能够有效减少车险理赔耗时，提高理赔效率。
在一个实施例中，在将车险查勘任务发送至查勘终端的步骤之后，还包括：接收查勘终端实时上传的位置信息；将位置信息在电子地图中进行标记；获取查勘终端对应的查勘员信息以及电子地图的链接，根据查勘员信息和链接生成反馈信息，将反馈信息发送至客户终端。
本实施例中，当服务器将车险查勘任务发送至查勘终端之后，查勘员会利用查勘终端执行该车险查勘任务。查勘终端对其当前位置进行定位，将位置信息实时上传至服务器。服务器可以根据查勘终端的位置信息在电子地图中进行标记。服务器还可以将出险地点的位置信息在电子地图中进行标记。例如，服务器将查看终端的起始位置在电子地图中标记为起点，将出险地点的位置在电子地图中标记为终点。
服务器将车险查勘任务发送至查勘终端之后，获取查勘员信息，如姓名和联系电话等。服务器获取上述电子地图的链接，利用该链接和查勘员信息生成反馈信息，并将反馈信息返回至客户终端。客户通过客户终端点击该链接，可以显示电子地图，并且显示电子地图上查勘终端的位置，从而便于客户实时了解查勘员所在的位置。为客户提供了方便。
在一个实施例中，在将查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额的步骤之后，还包括：获取维修厂家名称和对应的地址；利用维修厂家名称和对应的地址生成推荐信息，并且将推荐信息发送至客户终端；当客户根据推荐信息在地址对出险车辆送修时，接收维修终端上传的维修记录。
本实施例中，在完成车险定损后，服务器可以获取维修厂家名称和对应的地址，利用维修厂家名称和对应的地址生成推荐信息，并且将推荐信息发送至客户终端。当出险车辆在该推荐的维修厂家进行维修时，维修厂家的维修终端将该出险车辆的维修记录上传至服务器。服务器将该出险车辆的维修记录进行保存。
进一步的，服务器还可以按照预设频率根据维修记录对客户选择送修的维修厂家名称进行统计，将客户选择送修的次数多于阈值的维修厂家名称记录为重点推荐厂家。服务器还可以获取重点推荐厂家上传的配件价格，以便对定损配件对应的定损价格进行更新，从而能进一步提高自动定损的准确性。
应该理解的是，虽然图2和图5的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，这些步骤可以以其它的顺序执行。而且，图2和图5中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，这些子步骤或者阶段的执行顺序也不必然是依次进行，而是可以与其它步骤或者其它步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。
在一个实施例中，如图6所示，提供了一种服务器，包括通过***总线连接的处理器、内存储器、非易失性存储介质和网络接口。其中，处理器用于提供计算和控制能力。内存储器为非易失性存储介质中的操作***和计算机程序的运行提供环境。非易失性存储介质中存储有操作***和计算机可读指令。非易失性存储介质可以是非易失性计算机可读存储介质。计算机可读 指令被处理器执行时，可使得处理器执行一种车险理赔方法。网络接口用于据以与外部的终端通过网络连接通信，比如接收客户终端上传的车险报案信息，以及向查勘终端发送车险查勘任务等。服务器可以用独立的服务器或者是多个服务器组成的服务器集群来实现。本领域技术人员可以理解，图6中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的服务器的限定，具体的服务器可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在一个实施例中，如图7所示，提供了一种车险理赔装置，包括：第一接收模块702、定位模块704、操作模块706、获取模块708和第一发送模块710，其中：
第一接收模块702，用于接收车险查勘任务，车险查勘任务携带了出险地点。
定位模块704，用于捕捉查勘终端的位置信息。
操作模块706，用于当位置信息与出险地点一致时，允许接受查勘员的输入操作。
获取模块708，用于获取查勘员输入的查勘信息，查勘信息包括查勘项目和对应的查勘报价。
第一发送模块710，用于将查勘信息上传至服务器，以使得服务器根据预设规则对查勘信息进行比对，若查勘信息符合预设规则，且查勘报价小于或等于预设值，则将查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
在其中一个实施例中，查勘信息包括配件项目，获取模块708还用于获取查勘员输入的配件项目，该装置还包括：校验模块712，用于对配件项目进行匹配校验；操作模块706还用于若未通过校验，则生成提示信息，并且拒绝接受查勘员的下一项操作。
在其中一个实施例中，校验模块712还用于当配件项目为总成配件或包含性配件时，若输入的下一项配件名称为总成配件的附属配件或包含性配件的附属配件，或输入的下一项配件名称为总成配件的总配件或包含性配件的总配件，则校验未通过；当配件项目为即修且换配件时，若配件名称在当前输入为待维修配件，下一项操作中对配件名称输入为待更换配件，则校验未通过；若输入的下一项配件名称与上一项配件名称相同，则校验未通过。
在一个实施例中，如图8所示，提供了一种车险理赔装置，包括：第二 接收模块802、任务生成模块804、第二发送模块806、比对模块808，其中：
第二接收模块802，用于接收客户终端上传的车险报案信息。
任务生成模块804，用于根据车险报案信息生成车险查勘任务。
第二发送模块806，用于将车险查勘任务发送至查勘终端；车险查勘任务携带了出险地点。
第二接收模块802还用于接收查勘终端在出险地点上传的查勘信息，查勘信息包括查勘项目和查勘报价。
比对模块808，用于根据预设规则对查勘信息进行比对，若查勘信息符合预设规则，且查勘报价小于或等于预设值，则将查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
在其中一个实施例中，第二接收模块802还用于接收查勘终端实时上传的位置信息；该装置还包括：记录模块810和信息生成模块812，其中：
记录模块810，用于将位置信息在电子地图中进行标记。
信息生成模块812，用于获取查勘终端对应的查勘员信息以及电子地图的链接，根据查勘员信息和链接生成反馈信息。
第二发送模块806还用于将反馈信息发送至客户终端。
在其中一个实施例中，信息生成模块812还用于获取维修厂家名称和对应的地址；利用维修厂家名称和对应的地址生成推荐信息；第二发送模块806还用于将推荐信息发送至客户终端；第二接收模块802还用于当客户根据推荐信息在地址对出险车辆送修时，接收维修终端上传的维修记录。
关于车险理赔装置的具体限定可以参见上文中对于车险理赔方法的限定，在此不再赘述。上述车险理赔装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。上述各模块可以硬件形式内嵌于或独立于计算机设备中的处理器中，也可以以软件形式存储于计算机设备中的存储器中，以便于处理器调用执行以上各个模块对应的操作。
一种终端，包括存储器和一个或多个处理器，存储器中储存有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行上述相应方法实施中的步骤。
一种服务器，包括存储器和一个或多个处理器，存储器中储存有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行上述相应方法实施中的步骤。
一个或多个存储有计算机可读指令的非易失性存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行上述各个方法实施中的步骤。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在执行时，可包括如上述各方法的实施例的流程。其中，本申请所提供的各实施例中所使用的对存储器、存储、数据库或其它介质的任何引用，均可包括非易失性和/或易失性存储器。非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)或者外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双数据率SDRAM(DDRSDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)等。
以上实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种车险理赔方法，包括：
    接收车险查勘任务，所述车险查勘任务携带了出险地点；
    捕捉所述查勘终端的位置信息，当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；
    获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
    将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  2. 根据权利要求1所述的方法，其特征在于，所述查勘信息包括配件项目，所述方法还包括：
    获取查勘员输入的配件项目，对所述配件项目进行匹配校验；及
    若未通过校验，则生成提示信息，并且拒绝接受查勘员的下一项操作。
  3. 根据权利要求1所述的方法，其特征在于，所述对所述配件项目进行匹配校验包括：
    当所述配件项目为总成配件或包含性配件时，若输入的下一项配件名称为所述总成配件的附属配件或包含性配件的附属配件，或输入的下一项配件名称为所述总成配件的总配件或包含性配件的总配件，则校验未通过；
    当所述配件项目为即修且换配件时，若配件名称在当前输入为待维修配件，下一项操作中对所述配件名称输入为待更换配件，则校验未通过；及
    若输入的下一项配件名称与上一项配件名称相同，则校验未通过。
  4. 一种车险理赔方法，包括：
    接收客户终端上传的车险报案信息；
    根据所述车险报案信息生成车险查勘任务，将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
    接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
    根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  5. 根据权利要求4所述的方法，其特征在于，在所述将所述车险查勘任务发送至查勘终端之后，所述方法还包括：
    接收所述查勘终端实时上传的位置信息；
    将所述位置信息在电子地图中进行标记；及
    获取查勘终端对应的查勘员信息以及电子地图的链接，根据所述查勘员信息和链接生成反馈信息，将所述反馈信息发送至客户终端。
  6. 根据权利要求4所述的方法，其特征在于，在所述将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额之后，所述方法还包括：
    获取维修厂家名称和对应的地址；
    利用所述维修厂家名称和对应的地址生成推荐信息，并且将推荐信息发送至客户终端；及
    当客户根据所述推荐信息在所述地址对出险车辆送修时，接收维修终端上传的维修记录。
  7. 一种车险理赔装置，包括：
    第一接收模块，用于接收车险查勘任务，所述车险查勘任务携带了出险地点；
    定位模块，用于捕捉所述查勘终端的位置信息；
    操作模块，用于当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；
    获取模块，用于获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
    第一发送模块，用于将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  8. 根据权利要求7所述的装置，其特征在于，所述查勘信息包括配件项目，所述获取模块还用于获取查勘员输入的配件项目，所述装置还包括：
    校验模块，用于对所述配件项目进行匹配校验；及
    所述操作模块还用于若未通过校验，则生成提示信息，并且拒绝接受查勘员的下一项操作。
  9. 一种车险理赔装置，包括：
    第二接收模块，用于接收客户终端上传的车险报案信息；
    任务生成模块，用于根据所述车险报案信息生成车险查勘任务；
    第二发送模块，用于将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
    所述第二接收模块还用于接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
    比对模块，用于根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  10. 根据权利要求9所述的装置，其特征在于，所述第二接收模块还用于接收所述查勘终端实时上传的位置信息；所述装置还包括：
    记录模块，用于将所述位置信息在电子地图中进行标记；
    信息生成模块，用于获取查勘终端对应的查勘员信息以及电子地图的链接，根据所述查勘员信息和链接生成反馈信息；及
    所述第二发送模块还用于将所述反馈信息发送至客户终端。
  11. 一种终端，包括存储器和一个或多个处理器，存储器中储存有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行以下步骤：
    接收车险查勘任务，所述车险查勘任务携带了出险地点；
    捕捉所述查勘终端的位置信息，当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；
    获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
    将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  12. 根据权利要求11所述的终端，其特征在于，所述查勘信息包括配件项目，计算机可读指令被处理器执行时，使得一个或多个处理器还执行以下步骤：
    获取查勘员输入的配件项目，对所述配件项目进行匹配校验；及
    若未通过校验，则生成提示信息，并且拒绝接受查勘员的下一项操作。
  13. 根据权利要求11所述的终端，其特征在于，计算机可读指令被处理 器执行时，使得一个或多个处理器还执行以下步骤：
    当所述配件项目为总成配件或包含性配件时，若输入的下一项配件名称为所述总成配件的附属配件或包含性配件的附属配件，或输入的下一项配件名称为所述总成配件的总配件或包含性配件的总配件，则校验未通过；
    当所述配件项目为即修且换配件时，若配件名称在当前输入为待维修配件，下一项操作中对所述配件名称输入为待更换配件，则校验未通过；及
    若输入的下一项配件名称与上一项配件名称相同，则校验未通过。
  14. 一种服务器，包括存储器和一个或多个处理器，存储器中储存有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行以下步骤：
    接收客户终端上传的车险报案信息；
    根据所述车险报案信息生成车险查勘任务，将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
    接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
    根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  15. 根据权利要求14所述的服务器，其特征在于，计算机可读指令被处理器执行时，使得一个或多个处理器还执行以下步骤：
    接收所述查勘终端实时上传的位置信息；
    将所述位置信息在电子地图中进行标记；及
    获取查勘终端对应的查勘员信息以及电子地图的链接，根据所述查勘员信息和链接生成反馈信息，将所述反馈信息发送至客户终端。
  16. 根据权利要求4所述的服务器，其特征在于，计算机可读指令被处理器执行时，使得一个或多个处理器还执行以下步骤：
    获取维修厂家名称和对应的地址；
    利用所述维修厂家名称和对应的地址生成推荐信息，并且将推荐信息发送至客户终端；及
    当客户根据所述推荐信息在所述地址对出险车辆送修时，接收维修终端上传的维修记录。
  17. 一个或多个存储有计算机可读指令的非易失性存储介质，计算机可 读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
    接收车险查勘任务，所述车险查勘任务携带了出险地点；
    捕捉所述查勘终端的位置信息，当所述位置信息与所述出险地点一致时，允许接受查勘员的输入操作；
    获取查勘员输入的查勘信息，所述查勘信息包括查勘项目和对应的查勘报价；及
    将所述查勘信息上传至服务器，以使得服务器根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  18. 根据权利要求17所述的存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器还执行以下步骤：
    获取查勘员输入的配件项目，对所述配件项目进行匹配校验；及
    若未通过校验，则生成提示信息，并且拒绝接受查勘员的下一项操作。
  19. 一个或多个存储有计算机可读指令的非易失性存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
    接收客户终端上传的车险报案信息；
    根据所述车险报案信息生成车险查勘任务，将所述车险查勘任务发送至查勘终端；所述车险查勘任务携带了出险地点；
    接收查勘终端在所述出险地点上传的查勘信息，所述查勘信息包括查勘项目和查勘报价；及
    根据预设规则对所述查勘信息进行比对，若所述查勘信息符合所述预设规则，且所述查勘报价小于或等于预设值，则将所述查勘项目和查勘报价记录为车险理赔对应的定损项目和定损金额。
  20. 根据权利要求19所述的存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器还执行以下步骤：
    接收所述查勘终端实时上传的位置信息；
    将所述位置信息在电子地图中进行标记；及
    获取查勘终端对应的查勘员信息以及电子地图的链接，根据所述查勘员信息和链接生成反馈信息，将所述反馈信息发送至客户终端。
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