WO2020108144A1 - 一种基于车辆部件损失数据的车辆定损方法、装置和*** - Google Patents

一种基于车辆部件损失数据的车辆定损方法、装置和*** Download PDF

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WO2020108144A1
WO2020108144A1 PCT/CN2019/111519 CN2019111519W WO2020108144A1 WO 2020108144 A1 WO2020108144 A1 WO 2020108144A1 CN 2019111519 W CN2019111519 W CN 2019111519W WO 2020108144 A1 WO2020108144 A1 WO 2020108144A1
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loss
vehicle
data
loss data
vehicle component
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PCT/CN2019/111519
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English (en)
French (fr)
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史灵
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阿里巴巴集团控股有限公司
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
    • G07C5/0808—Diagnosing performance data
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0283—Price estimation or determination
    • 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

Definitions

  • One or more embodiments of this specification relate to the field of computers, and in particular, to a method, device, and system for vehicle damage determination based on vehicle component loss data.
  • the basic process of auto insurance claims generally includes the steps of reporting a case, investigating and assessing damage, signing and reviewing a claim document, reviewing settlement, reviewing and approving, and settlement of a claim.
  • One or more embodiments of this specification describe a vehicle damage determination method, device, and system based on vehicle component loss data that can solve the aforementioned problems.
  • a method for providing loss data of vehicle components may include: initiating the collection of loss data of various components in a target vehicle; and performing the loss data by one or more sensors in the target vehicle Collect; send the collected loss data to the fixed loss agency.
  • initiating the collection of loss data for various components in the target vehicle may include: manually triggering the collection by the vehicle driver; or initiating the collection when specific data is detected by a specific sensor.
  • a device for providing loss data of vehicle components may include: a startup module configured to start collection of loss data of various components in a target vehicle; a collection module configured to be configured by one of the target vehicles Or a plurality of sensors collect the loss data; the sending module is configured to send the collected loss data to a fixed loss mechanism.
  • the activation module includes: a manual activation module configured to manually trigger the collection by a vehicle driver; or a specific sensor configured to initiate the collection when specific data is detected.
  • a vehicle damage determination method based on vehicle component loss data may include: receiving one or more loss data from a target vehicle, where the one or more loss data is that the target vehicle is in an accident Obtained by sensors of each vehicle component in the target vehicle, the loss data represents the state of each vehicle component after an accident; compare the one or more loss data with the corresponding intact data, respectively.
  • the intact data indicates the state of the vehicle component in an intact condition; analysis is performed based on the result of the comparison to obtain one or more loss coefficients of each vehicle component; and a claim amount is obtained based on the one or more loss coefficients.
  • the loss coefficient may be a percentage of the loss data and corresponding good data.
  • obtaining a claim amount based on the one or more loss factors may include: calculating maintenance methods for one or more vehicle components based on the one or more loss factors; according to the one or more One or more maintenance amounts are obtained for each maintenance method; the one or more maintenance amounts are added to obtain the claim amount.
  • a vehicle damage determination device based on vehicle component loss data, which may include: a receiving module configured to receive one or more loss data from a target vehicle, the one or more loss data being all The target vehicle is obtained by sensors of various vehicle components in the target vehicle after the accident, and the loss data represents the state of each vehicle component after the accident; the comparison module is configured to separate the one or more The loss data is compared with the corresponding intact data, the intact data represents the state of the vehicle components in an intact condition; the analysis module is configured to perform an analysis based on the results of the comparison, and obtain one or each of the vehicle components Multiple loss coefficients; a calculation module, configured to calculate a claim amount based on the one or more loss coefficients.
  • the loss coefficient may be a percentage of the loss data and corresponding good data.
  • the calculation module may be configured to: calculate maintenance modes of one or more vehicle components according to the one or more loss coefficients; obtain one or more according to the one or more maintenance modes Multiple maintenance amounts; add the one or more maintenance amounts to obtain the claim amount.
  • a computer-readable storage medium on which a computer program is stored, and when the computer program is executed in a computer, the computer is caused to perform the method of the third aspect.
  • a computing device which may include a memory and a processor, wherein the memory stores executable code, and when the processor executes the executable code, the third aspect method.
  • a vehicle damage determination system based on vehicle component loss data including the device according to the second aspect and the device according to the fourth aspect
  • the invention is based on the loss data of the vehicle components of the insured vehicle, and combined with the available vehicle component quotations and/or repair quotations, the final claim amount can be calculated in real time, so as to inform the reporter and the insurance company of a clear report As a result, it saves the time of the informant and the cost of the insurance company, and also standardizes the claims process, avoiding unnecessary disputes over claims.
  • FIG. 1 is a flowchart of a method for providing vehicle component loss data according to an embodiment of this specification
  • FIG. 2 is a structural block diagram of a device for providing vehicle component loss data according to an embodiment of the present specification
  • FIG. 3 is a flowchart of a vehicle damage determination method based on vehicle component loss data according to an embodiment of the present specification
  • FIG. 4 is a structural block diagram of a vehicle fixed loss device based on vehicle component loss data according to an embodiment of the present specification
  • FIG. 5 is a structural block diagram of a vehicle fixed loss system based on vehicle component loss data according to an embodiment of the present specification.
  • FIG. 1 is a flowchart of a method for providing vehicle component loss data according to an embodiment of the present specification.
  • step 101 the collection of loss data for various components in the target vehicle is initiated.
  • the sensors in the vehicle can collect the loss data of the corresponding vehicle parts, and the loss data reflects the current status of the corresponding vehicle parts to a certain extent.
  • the action of collecting loss data can occur automatically or can be manually initiated by the driver. For example, in the case of a serious traffic accident, generally speaking, in the event of a violent collision, the driver of the vehicle may fall into an unconscious state, or may have escaped from the damaged vehicle and moved away. At this time, the vehicle can automatically collect the loss data.
  • a collision sensor in the vehicle may detect a sudden acceleration change of the vehicle, thereby determining that a serious traffic accident has occurred.
  • the collision sensor's judgment of a collision accident can be used to trigger an airbag; while in this application, its judgment of a collision accident can be used to send signals to other sensors in the vehicle, instructing them to perform their respective losses Data collection.
  • the vehicle driver may manually trigger the collection of loss data.
  • the driver of the vehicle can send a signal to various sensors in the vehicle through a switch on the vehicle's central control or another independent switch to instruct them to collect loss data.
  • step 102 loss data of various components in the vehicle is collected.
  • the sensors in the vehicle mentioned above may include various existing vehicle sensors, or newly designed vehicle sensors. Each of these sensors can collect information on one or more vehicle components to obtain data reflecting the current status of one or more vehicle components. Generally, according to the functionality of the sensor, it can be classified as a sensor that measures functions such as temperature, pressure, flow, position, gas concentration, speed, brightness, dry humidity, and distance. In existing automotive applications, once a sensor fails, the corresponding device will not work properly or even work. All or part of these existing sensors can be used to collect various types of data that can be measured when loss data needs to be collected.
  • step 103 the collected loss data is sent to a fixed loss agency.
  • each sensor After the sensors have successfully collected the loss data, each sensor will transmit the collected loss data to the sending module in the vehicle.
  • the sending module uses the wireless network to send all the collected loss data to the loss-making organization.
  • FIG. 2 is a block diagram of a device for providing vehicle component loss data according to an embodiment of the present specification.
  • the device for generating and reporting loss data of vehicle components includes a startup module, one or more sensors, and a loss data transmission module.
  • the starting module can be an independent module/switch or a special sensor in the vehicle, such as the collision sensor mentioned above.
  • the starting module is electrically connected with other touch sensors in the vehicle responsible for collecting loss data through the line.
  • the activation module when the driver manually interacts with the activation module by means such as pressing, touching, voice control, etc., the activation module can generate and send a signal to other tactile sensors in the vehicle, the signal indicating the Other touch sensors collect loss data.
  • the special sensor directly sends signals to other tactile sensors in the vehicle to instruct them to start collecting loss data when collecting special data (for example, severe collision data).
  • the one or more sensors may include various existing vehicle sensors, or newly designed vehicle sensors. Each of these sensors can collect information on one or more vehicle components to obtain data reflecting the current status of one or more vehicle components. Generally, according to the functionality of the sensor, it can be classified as a sensor that measures functions such as temperature, pressure, flow, position, gas concentration, speed, brightness, dry humidity, distance, etc., and they perform their duties in the car. In existing automotive applications, once a sensor fails, the corresponding device will not work properly or even work. All or part of these existing sensors can be used to collect various types of data that can be measured when loss data needs to be collected.
  • the loss data transmission module is electrically connected to the one or more sensors through a line, and is used to receive the collected loss data from each sensor after the sensor successfully collects the loss data, and then collect all the losses collected through the wireless network
  • the data is sent to a specific loss-making agency. As to which insurance company's fixed loss agency to send to, you can set up in advance. For example, after receiving the loss data collected by one or more sensors, the loss data sending module can send the loss data to a fixed loss institution under the insurance company insured by the accident vehicle through the network address set in advance.
  • FIG. 3 is a flowchart of a vehicle damage determination method based on vehicle component loss data according to an embodiment of the present specification. As shown in FIG. 3, a vehicle damage determination method based on vehicle component loss data according to an embodiment of the present specification includes the following steps.
  • step 301 one or more loss data is received from the target vehicle.
  • the vehicle After the vehicle has a traffic accident, it receives the loss data of the vehicle parts from the target vehicle through the wireless network. As described in FIGS. 1 and 2, the loss data is obtained by sensors of various vehicle components in the target vehicle after the accident of the target vehicle, and will not be repeated here.
  • step 302 the one or more loss data and the corresponding good data are compared respectively.
  • the loss data representing the engine with the intact data indicating that the engine is intact For example, comparing the loss data representing the chassis with the intact data indicating that the chassis is intact, and comparing the loss data representing the tire with the condition indicating the tire is intact Compare the intact data of, compare the loss data indicating the lamp with the intact data indicating the condition of the lamp, and so on.
  • the intact data indicating the various components of the vehicle can be obtained by measuring in advance and stored for use.
  • step 303 an analysis is performed according to the result of the comparison to obtain one or more loss coefficients of the respective vehicle components.
  • each pair of data will have a corresponding loss data-intact data comparison result, showing the difference between the intact state of the vehicle parts and the damaged state.
  • each comparison result is analyzed to obtain the loss coefficient of each vehicle component.
  • the loss factor may be a percentage calculated by an appropriate algorithm based on the loss data and the corresponding good data to indicate the current degree of damage of the vehicle component.
  • step 304 the settlement amount is obtained according to the one or more loss coefficients.
  • the maintenance method of a vehicle component can be determined based on the loss coefficient of a vehicle component.
  • one or more loss thresholds can be set for the loss data obtained by the sensor through experiment or experience; when the calculated loss coefficient is in a Or a certain interval determined by multiple loss thresholds, it can be determined which level of maintenance should be performed on the vehicle component. Then, according to the repair price corresponding to each level of repair of the vehicle component, the claim amount of the vehicle component is obtained.
  • the repair price can be stored locally or obtained from the quotation center of the 4s shop or repair plant selected by the owner.
  • a loss threshold can be set for the loss data obtained by the sensor through experiment or experience. When the calculated loss coefficient exceeds the loss threshold, it can be judged Vehicle components have been completely damaged or must be replaced. Then, the maintenance amount of the vehicle component is obtained according to the pricing of the vehicle component. In this case, the amount of compensation is the total amount of replacement of the vehicle parts, and additional maintenance/disassembly/replacement costs can also be added.
  • the pricing of vehicle parts can be stored locally in advance, or can be obtained from the corresponding car manufacturer (pricing center, etc.) through a wired or wireless network.
  • the device includes a receiving module, a comparison module, an analysis module, and a calculation module.
  • the receiving module is configured to receive one or more loss data from the target vehicle.
  • the vehicle After the vehicle has a traffic accident, it receives the loss data of the vehicle parts from the target vehicle through the wireless network. As described in FIGS. 1 and 2, the loss data is obtained by sensors of various vehicle components in the target vehicle after the accident of the target vehicle, and will not be repeated here.
  • the comparison module is configured to compare the one or more loss data with corresponding good data respectively.
  • the loss data representing the engine with the intact data indicating that the engine is intact For example, comparing the loss data representing the chassis with the intact data indicating that the chassis is intact, and comparing the loss data representing the tire with the condition indicating that the tire is intact Compare the intact data of, compare the loss data indicating the lamp with the intact data indicating the condition of the lamp, and so on.
  • the intact data indicating the various components of the vehicle can be obtained by measuring in advance and stored for use.
  • the analysis module is configured to perform analysis based on the result of the comparison to obtain one or more loss coefficients of the respective vehicle components.
  • each pair of data will have a corresponding loss data-intact data comparison result, showing the difference between the intact state of the vehicle parts and the damaged state.
  • each comparison result is analyzed to obtain the loss coefficient of each vehicle component.
  • the loss factor may be a percentage calculated by an appropriate algorithm based on the loss data and the corresponding good data to indicate the current degree of damage of the vehicle component.
  • the calculation module is configured to calculate a claim amount according to the one or more loss coefficients.
  • the maintenance method of a vehicle component can be determined based on the loss coefficient of a vehicle component.
  • one or more loss thresholds can be set for the loss data obtained by the sensor through experiment or experience; when the calculated loss coefficient is in a Or a certain interval determined by multiple loss thresholds, it can be determined which level of maintenance should be performed on the vehicle component. Then, according to the repair price corresponding to each level of repair of the vehicle component, the claim amount of the vehicle component is obtained.
  • the repair price can be stored locally or obtained from the quotation center of the 4s shop or repair plant selected by the owner.
  • a loss threshold can be set for the loss data obtained by the sensor through experiment or experience. When the calculated loss coefficient exceeds the loss threshold, it can be judged Vehicle components have been completely damaged or must be replaced. Then, the maintenance amount of the vehicle component is obtained according to the pricing of the vehicle component. In this case, the amount of compensation is the total amount of replacement of the vehicle parts, and additional maintenance/disassembly/replacement costs can also be added.
  • the pricing of vehicle parts can be stored locally in advance, or can be obtained from the corresponding car manufacturer (pricing center, etc.) through a wired or wireless network.
  • FIG. 5 is a structural block diagram of a vehicle fixed loss system based on vehicle component loss data according to an embodiment of the present invention.
  • the system of FIG. 5 may include the two devices described in FIGS. 2 and 4, that is, a device for generating and reporting vehicle component loss data and a vehicle fixed loss device based on vehicle component loss data.
  • the two devices communicate through a wireless network, and the latter device receives the loss data from the previous device to calculate the amount of claims.
  • the specific functions of the two devices are as described in FIGS. 2 and 4, and thus will not be described in detail.
  • the invention is based on the loss data of the vehicle components of the insured vehicle, and combined with the available vehicle component quotations and/or repair quotations, the final claim amount can be calculated in real time, so as to inform the reporter and the insurance company of a clear report As a result, it saves the time of the informant and the cost of the insurance company, and also standardizes the claims process, avoiding unnecessary disputes over claims.
  • a computer-readable storage medium on which a computer program is stored, and when the computer program is executed in a computer, the computer is caused to perform the method described in conjunction with FIG. 3.
  • a computing device including a memory and a processor, where executable code is stored in the memory, and when the processor executes the executable code, the implementation described in conjunction with FIG. 3 is implemented method.

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Abstract

一种基于车辆部件损失数据的车辆定损方法，包括：从目标车辆接收一个或多个损失数据；分别将一个或多个损失数据与相对应的完好数据进行比较；根据比较的结果进行分析，得出各个车辆部件的一个或多个损失系数；根据一个或多个损失系数得到理赔金额。该方法基于出险车辆的车辆部件的损失数据，并结合可获取的车辆部件报价和/或维修报价，可以实时的计算出最终的理赔金额，从而第一时间告知报案人和保险公司一个明确的报案结果，节省了报案人的时间和保险公司的成本，还标准化了理赔流程，避免了不必要的理赔异议纠纷。

Description

一种基于车辆部件损失数据的车辆定损方法、装置和*** 技术领域
本说明书的一个或多个实施例涉及计算机领域，尤其涉及一种基于车辆部件损失数据的车辆定损方法、装置和***。
背景技术
在汽车发生交通事故后，车主与保险公司进行交互以进行车险理赔。车险理赔的基本流程一般包括：报案、查勘定损、签收审核索赔单证、理算复核、审批、赔付结案等步骤。
在传统的车险理赔报案流程中，报案人需要电话联系保险公司。保险公司接到报案人的出险电话之后，派遣查勘人员进行现场查勘和定损，以便为随后的理赔奠定基础。这种传统的车险理赔方式最大的弊端是增加了报案人的时间成本、保险公司的运营成本，并且在一定程度上双方对定损结果有可能存在异议纠纷。
近来，也出现了一种车辆图像定损的方式，该方式通过拍摄车辆外观来进行定损。这种方式虽然简化了报案的流程，但是只能解决车辆因轻微擦碰造成的车辆外伤的车险理赔。因此，在车辆内部***遭受较大冲击而受损时，该方式并不能解决上述弊端。
发明内容
本说明书的一个或多个实施例描述了一种能够解决上述问题的基于车辆部件损失数据的车辆定损方法、装置和***。
根据第一方面，提供了一种车辆部件的损失数据的提供方法，可以包括：启动对目标车辆中各个部件的损失数据的收集；由目标车辆中的一个或多个传感器对所述损失数据进行收集；将收集到的损失数据发送到定损机构。
在一个实施例中，启动对目标车辆中各个部件的损失数据的收集可以包括：通过车辆驾驶员手动触发所述收集；或由特定传感器在检测到特定数据时启动所述收集。
根据第二方面，一种车辆部件的损失数据的提供装置，可以包括：启动模块，被配置为启动对目标车辆中各个部件的损失数据的收集；收集模块，被配置为由目标车辆中的一个或多个传感器对所述损失数据进行收集；发送模块，被配置为将收集到的损失数 据发送到定损机构。
在一个实施例中，所述启动模块包括：手动启动模块，被配置为通过车辆驾驶员手动触发所述收集；或特定传感器，被配置为在检测到特定数据时启动所述收集。
根据第三方面，提供了一种基于车辆部件损失数据的车辆定损方法，可以包括：从目标车辆接收一个或多个损失数据，所述一个或多个损失数据是所述目标车辆在发生事故后由所述目标车辆中各个车辆部件的传感器获得的，所述损失数据表示各个车辆部件在发生事故后的状态；分别将所述一个或多个损失数据与相对应的完好数据进行比较，所述完好数据表示车辆部件在完好情况下的状态；根据所述比较的结果进行分析，得出所述各个车辆部件的一个或多个损失系数；根据所述一个或多个损失系数得到理赔金额。
在一个实施例中，所述损失系数可以是所述损失数据与对应的完好数据的百分比。
在又一个实施例中，根据所述一个或多个损失系数得到理赔金额可以包括：分别根据所述一个或多个损失系数计算出一个或多个车辆部件的维修方式；根据所述一个或多个维修方式得到一个或多个维修金额；将所述一个或多个维修金额相加得到所述理赔金额。
根据第四方面，提供了一种基于车辆部件损失数据的车辆定损装置，可以包括：接收模块，被配置为从目标车辆接收一个或多个损失数据，所述一个或多个损失数据是所述目标车辆在发生事故后由所述目标车辆中各个车辆部件的传感器获得的，所述损失数据表示各个车辆部件在发生事故后的状态；比较模块，被配置为分别将所述一个或多个损失数据与相对应的完好数据进行比较，所述完好数据表示车辆部件在完好情况下的状态；分析模块，被配置为根据所述比较的结果进行分析，得出所述各个车辆部件的一个或多个损失系数；计算模块，被配置为根据所述一个或多个损失系数计算得到理赔金额。
在一个实施方式中，所述损失系数可以是所述损失数据与对应的完好数据的百分比。
在另一个实施方式中，所述计算模块可以被配置为：分别根据所述一个或多个损失系数计算出一个或多个车辆部件的维修方式；根据所述一个或多个维修方式得到一个或多个维修金额；将所述一个或多个维修金额相加得到所述理赔金额。
根据第五方面，提供了一种计算机可读存储介质，其上存储有计算机程序，当所述计算机程序在计算机中执行时，令计算机执行第三方面的方法。
根据第六方面，提供了一种计算设备，可以包括存储器和处理器，其特征在于，所述存储器中存储有可执行代码，所述处理器执行所述可执行代码时，实现第三方面的方 法。
根据第七方面，提供了一种基于车辆部件损失数据的车辆定损***，包括根据第二方面所述的装置和根据第四方面所述的装置
本发明基于出险车辆的车辆部件的损失数据，并结合可获取的车辆部件报价和/或维修报价，可以实时的计算出最终的理赔金额，从而第一时间告知报案人和保险公司一个明确的报案结果，节省了报案人的时间和保险公司的成本，并且还标准化了理赔流程，避免了不必要的理赔异议纠纷。
附图说明
为了更清楚地说明本发明实施例的技术方案，下面将对实施例描述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发明的一些实施例，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是根据本说明书实施例的车辆部件损失数据的提供方法的流程图；
图2是根据本说明书实施例的车辆部件损失数据的提供装置的结构框图；
图3是根据本说明书实施例的基于车辆部件损失数据的车辆定损方法的流程图；
图4是根据本说明书实施例的基于车辆部件损失数据的车辆定损装置的结构框图；
图5是根据本说明书实施例的基于车辆部件损失数据的车辆定损***的结构框图。
具体实施方式
下面结合附图，对本说明书提供的方案进行描述。
图1是根据本说明书实施例的车辆部件损失数据的提供方法的流程图。
在步骤101中，启动对目标车辆中各个部件的损失数据的收集。
在车辆发生交通事故之后，车辆中的传感器可以收集其对应的车辆部件的损失数据，该损失数据在一定程度上反映了其对应的车辆部件的现状。对损失数据的收集动作可以自动地发生，也可以由驾驶员手动启动。例如，在交通事故比较严重的情况下，一般来说是在发生了激烈碰撞的情形下，车辆驾驶员可能陷入无意识状态，或者已经从受损车辆内逃脱并远离。这时，可以由车辆自动地进行损失数据的收集。
在一个实施例中，在车辆发生激烈碰撞的情况下，例如车辆内的碰撞传感器可以检测到车辆突发的加速度变化，从而判断发生了严重的交通事故。在一般的应用中，碰撞传感器对碰撞事故的判断可以用于触发安全气囊；而在本申请中，其对碰撞事故的判断可以用来对车辆内的其他传感器发出信号，指示它们各自分别进行损失数据的收集。
在另一个实施例中，在车辆发生交通事故的情况下，可以由车辆驾驶员手动触发损失数据的收集。车辆驾驶员可以通过车辆中控上的开关或另外的独立开关向车辆中的各式各样的传感器发出信号，指示它们进行损失数据的收集。
在步骤102中，收集车辆中各个部件的损失数据。
上面提及的车辆中的传感器可以包括现有的各式各样的车辆传感器，也可以是新设计的车辆传感器。这些传感器中的每一个可以对一个或多个车辆部件进行信息采集，以获得反映一个或多个车辆部件的现状的数据。通常，根据传感器的功能性，可以将其分类为测量温度、压力、流量、位置、气体浓度、速度、光亮度、干湿度、距离等功能的传感器，它们在汽车中各司其职。在现有的汽车应用中，一旦某个传感器失灵，对应的装置工作就会不正常甚至不工作。利用这些现有的传感器中的全部或一部分，可以使其在需要收集损失数据时分别对其可以测量的各类数据进行收集。应当理解，在发生较为严重的交通事故的情况下，传感器收集到的相应类型的数据必定与车辆正常情况下测量到数据有一定的不同，诸如部件的温度升高或者降低、部件的压力升高或降低、流量不正常、位置发生偏移、气体浓度过低或超过某数值、几乎失去光亮度、干湿度异常等等。从另一个角度看，这些异常的数据恰好反映了事故车辆的部件的受损情况。
在步骤103中，将收集到的损失数据发送到定损机构。
在传感器成功地收集到损失数据之后，各个传感器会将收集到的损失数据传送到车辆内的发送模块。发送模块利用无线网络将收集到的所有损失数据发送到定损机构。
图2是根据本说明书实施例的车辆部件损失数据的提供装置的框图。
如图2中所示，车辆部件损失数据的生成和上报装置包括了启动模块、一个或多个传感器和损失数据发送模块。
启动模块可以是一个独立的模块/开关，也可以是车辆中的一个特殊的传感器，比如前文中提到的碰撞传感器。启动模块通过线路与车辆中的其他负责收集损失数据的触感器进行电连接。在前一种情况下，当驾驶员人工通过诸如按压、触碰、语音控制等方式与启动模块进行交互时，启动模块可以产生并且向车辆中的其他触感器发出信号，该信 号指示车辆中的其他触感器进行损失数据的收集工作。在后一种情况下，该特殊传感器在收集到特殊数据(例如，剧烈碰撞数据)的情况下，直接向车内的其他触感器发出信号以指示它们开始收集损失数据。
一个或多个传感器可以包括现有的各式各样的车辆传感器，也可以是新设计的车辆传感器。这些传感器中的每一个可以对一个或多个车辆部件进行信息采集，以获得反映一个或多个车辆部件的现状的数据。通常，根据传感器的功能性，可以将其分类为测量温度、压力、流量、位置、气体浓度、速度、光亮度、干湿度、距离等功能的传感器，它们在汽车中各司其职。在现有的汽车应用中，一旦某个传感器失灵，对应的装置工作就会不正常甚至不工作。利用这些现有的传感器中的全部或一部分，可以使其在需要收集损失数据时分别对其可以测量的各类数据进行收集。应当理解，在发生较为严重的交通事故的情况下，传感器收集到的相应类型的数据必定与车辆正常情况下测量到数据有一定的不同，诸如部件的温度升高或者降低、部件的压力升高或降低、流量不正常、位置发生偏移、气体浓度过低或超过某数值、几乎失去光亮度、干湿度异常等等。从另一个角度看，这些异常的数据恰好反映了事故车辆的部件的受损情况。
损失数据发送模块通过线路与所述的一个或多个传感器电连接，用于在传感器成功地收集到损失数据之后，从各个传感器接收收集到的损失数据，然后通过无线网络将收集到的所有损失数据发送到特定的定损机构。至于要发送到哪个保险公司的定损机构，可以事先进行设置。例如，在接收到一个或多个传感器所收集到的损失数据之后，通过事先设置好的网络地址，损失数据发送模块可以将损失数据发送到事故车辆所投保的保险公司属下的定损机构。
图3是根据本说明书实施例的基于车辆部件损失数据的车辆定损方法的流程图。如图3中所示，根据本说明书实施例的基于车辆部件的损失数据的车辆定损方法包括以下步骤。
在步骤301中，从目标车辆接收一个或多个损失数据。
在车辆发生交通事故后，通过无线网络从目标车辆接收车辆部件的损失数据。如图1和图2中所述，所述损失数据是所述目标车辆在发生事故后由所述目标车辆中各个车辆部件的传感器获得的，在此不再赘述。
在步骤302中，分别将所述一个或多个损失数据与相对应的完好数据进行比较。
在接收到一个或多个损失数据之后，将其分别与对应的一个或多个完好数据进行比 较。例如，将表示发动机的损失数据与表示发动机完好情况下的完好数据进行比较，将表示底盘的损失数据与表示底盘完好情况下的完好数据进行比较，将表示轮胎的损失数据与表示轮胎完好情况下的完好数据进行比较，将表示车灯的损失数据与表示车灯完好情况下的完好数据进行比较，诸如此类。表示车辆各部件的完好数据可以通过事先测量得到并被存储以供使用。
在步骤303中，根据所述比较的结果进行分析，得出所述各个车辆部件的一个或多个损失系数。
然后，每一对数据会有相应的损失数据-完好数据的比较结果，表现出车辆部件完好状态与受损状态的区别。在比较完成之后，对每一个比较结果进行分析，可以得到各个车辆部件的损失系数。例如，损失系数可以是通过适当的算法，基于损失数据与其对应的完好数据计算得出的百分比，以表示该车辆部件当前的受损程度。当然，也可以有其他适当方式的损失系数的计算方式和表示形式。
在步骤304中，根据所述一个或多个损失系数得到理赔金额。
基于预先确定的规则，根据某个车辆部件的损失系数可以判断出该车辆部件的维修方式。
例如，对于保险杠、底盘、车门、A/B柱之类的纯机械部件，可以经试验或经验为由传感器获得的损失数据设置一个或多个损失阈值；当计算得出的损失系数处于一个或多个损失阈值所确定的某个区间中时，可以判断出应对该车辆部件进行哪一级别的维修。然后，根据该车辆部件每一级别的维修所对应的维修价格，得出该车辆部件的理赔金额。维修价格可以存储在本地，也可以从车主选定的4s店或维修厂等机构的报价中心处获得。
例如，对于蓄电池、空调压缩机、车灯、变速箱等车辆部件，可以经试验或经验为传感器获得损失数据设置一个损失阈值，当计算得出的损失系数超过该损失阈值时，可以判断处该车辆部件已经完全损毁或者必须更换。然后，根据该车辆部件的定价得到该车辆部件的维修金额。在这种情况下，理赔金额是该车辆部件的整体更换金额，也可以加上额外的维修/拆卸/更换费用。车辆部件的定价可以事先存储在本地，也可以通过有线或无线网络从相应的汽车厂商处(定价中心等)获得。
应当理解，对于不同的车辆部件，可以有不同的预定规则。甚至可以根据损失系数可以判断出该车辆部件中的某一具体的零部件需要更换或者维修，然后根据具体情况得 出该车辆部件的维修/部分更换金额。
最后，将针对所有车辆部件的维修金额汇总在一起，将它们之和作为最终确定下来的针对该车辆本次出险的理赔金额。
图4是根据本说明书实施例的基于车辆部件损失数据的车辆定损装置的结构框图。如图4中所示，该装置包括接收模块、比较模块、分析模块和计算模块。
接收模块，被配置为从目标车辆接收一个或多个损失数据。
在车辆发生交通事故后，通过无线网络从目标车辆接收车辆部件的损失数据。如图1和图2中所述，所述损失数据是所述目标车辆在发生事故后由所述目标车辆中各个车辆部件的传感器获得的，在此不再赘述。
比较模块，被配置为分别将所述一个或多个损失数据与相对应的完好数据进行比较。
在接收到一个或多个损失数据之后，将其分别与对应的一个或多个完好数据进行比较。例如，将表示发动机的损失数据与表示发动机完好情况下的完好数据进行比较，将表示底盘的损失数据与表示底盘完好情况下的完好数据进行比较，将表示轮胎的损失数据与表示轮胎完好情况下的完好数据进行比较，将表示车灯的损失数据与表示车灯完好情况下的完好数据进行比较，诸如此类。表示车辆各部件的完好数据可以通过事先测量得到并被存储以供使用。
分析模块，被配置为根据所述比较的结果进行分析，得出所述各个车辆部件的一个或多个损失系数。
然后，每一对数据会有相应的损失数据-完好数据的比较结果，表现出车辆部件完好状态与受损状态的区别。在比较完成之后，对每一个比较结果进行分析，可以得到各个车辆部件的损失系数。例如，损失系数可以是通过适当的算法，基于损失数据与其对应的完好数据计算得出的百分比，以表示该车辆部件当前的受损程度。
计算模块，被配置为根据所述一个或多个损失系数计算得到理赔金额。
基于预先确定的规则，根据某个车辆部件的损失系数可以判断出该车辆部件的维修方式。
例如，对于保险杠、底盘、车门、A/B柱之类的纯机械部件，可以经试验或经验为由传感器获得的损失数据设置一个或多个损失阈值；当计算得出的损失系数处于一个或多个损失阈值所确定的某个区间中时，可以判断出应对该车辆部件进行哪一级别的维修。 然后，根据该车辆部件每一级别的维修所对应的维修价格，得出该车辆部件的理赔金额。维修价格可以存储在本地，也可以从车主选定的4s店或维修厂等机构的报价中心处获得。
例如，对于蓄电池、空调压缩机、车灯、变速箱等车辆部件，可以经试验或经验为传感器获得损失数据设置一个损失阈值，当计算得出的损失系数超过该损失阈值时，可以判断处该车辆部件已经完全损毁或者必须更换。然后，根据该车辆部件的定价得到该车辆部件的维修金额。在这种情况下，理赔金额是该车辆部件的整体更换金额，也可以加上额外的维修/拆卸/更换费用。车辆部件的定价可以事先存储在本地，也可以通过有线或无线网络从相应的汽车厂商处(定价中心等)获得。
应当理解，对于不同的车辆部件，可以有不同的预定规则。甚至可以根据损失系数可以判断出该车辆部件中的某一具体的零部件需要更换或者维修，然后根据具体情况得出该车辆部件的维修/部分更换金额。
最后，将针对所有车辆部件的维修金额汇总在一起，将它们之和作为最终确定下来的针对该车辆本次出险的理赔金额。
图5是根据本发明实施例的基于车辆部件损失数据的车辆定损***的结构框图。
图5的***可以包括图2和图4中所述的两个装置，即车辆部件损失数据的生成和上报装置和基于车辆部件损失数据的车辆定损装置。两个装置之间通过无线网络通信，后一装置从前一装置接收损失数据以进行理赔金额的计算。两个装置的具体功能与图2和图4中所述，因此不再赘述。
本发明基于出险车辆的车辆部件的损失数据，并结合可获取的车辆部件报价和/或维修报价，可以实时的计算出最终的理赔金额，从而第一时间告知报案人和保险公司一个明确的报案结果，节省了报案人的时间和保险公司的成本，并且还标准化了理赔流程，避免了不必要的理赔异议纠纷。
根据又一方面的实施例，还提供一种计算机可读存储介质，其上存储有计算机程序，当所述计算机程序在计算机中执行时，令计算机执行结合图3所描述的方法。
根据再一方面的实施例，还提供一种计算设备，包括存储器和处理器，所述存储器中存储有可执行代码，所述处理器执行所述可执行代码时，实现结合图3所述的方法。
本领域技术人员应该可以意识到，在上述一个或多个示例中，本发明所描述的功能可以用硬件、软件、固件或它们的任意组合来实现。当使用软件实现时，可以将这些功 能存储在计算机可读介质中或者作为计算机可读介质上的一个或多个指令或代码进行传输。
以上所述的具体实施方式，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施方式而已，并不用于限定本发明的保护范围，凡在本发明的技术方案的基础之上，所做的任何修改、等同替换、改进等，均应包括在本发明的保护范围之内。

Claims (13)

  1. 一种车辆部件的损失数据的提供方法，包括：
    启动对目标车辆中各个部件的损失数据的收集；
    由目标车辆中的一个或多个传感器对所述损失数据进行收集；
    将收集到的损失数据发送到定损机构。
  2. 根据权利要求1所述的方法，其中，启动对目标车辆中各个部件的损失数据的收集包括：
    通过车辆驾驶员手动触发所述收集；或
    由特定传感器在检测到特定数据时启动所述收集。
  3. 一种车辆部件的损失数据的提供装置，包括：
    启动模块，被配置为启动对目标车辆中各个部件的损失数据的收集；
    收集模块，被配置为由目标车辆中的一个或多个传感器对所述损失数据进行收集；
    发送模块，被配置为将收集到的损失数据发送到定损机构。
  4. 根据权利要求3所述的车辆部件的损失数据的提供装置，其中，所述启动模块包括：
    手动启动模块，被配置为通过车辆驾驶员手动触发所述收集；或
    特定传感器，被配置为在检测到特定数据时启动所述收集。
  5. 一种基于车辆部件损失数据的车辆定损方法，包括：
    从目标车辆接收一个或多个损失数据，所述一个或多个损失数据是所述目标车辆在发生事故后由所述目标车辆中各个车辆部件的传感器获得的，所述损失数据表示各个车辆部件在发生事故后的状态；
    分别将所述一个或多个损失数据与相对应的完好数据进行比较，所述完好数据表示车辆部件在完好情况下的状态；
    根据所述比较的结果进行分析，得出所述各个车辆部件的一个或多个损失系数；
    根据所述一个或多个损失系数得到理赔金额。
  6. 根据权利要求5所述的方法，其中，所述损失系数是所述损失数据与对应的完好数据的百分比。
  7. 根据权利要求5所述的方法，其中，根据所述一个或多个损失系数得到理赔金额包括：
    分别根据所述一个或多个损失系数计算出一个或多个车辆部件的维修方式；
    根据所述一个或多个维修方式得到一个或多个维修金额；
    将所述一个或多个维修金额相加得到所述理赔金额。
  8. 一种基于车辆部件损失数据的车辆定损装置，包括：
    接收模块，被配置为从目标车辆接收一个或多个损失数据，所述一个或多个损失数据是所述目标车辆在发生事故后由所述目标车辆中各个车辆部件的传感器获得的，所述损失数据表示各个车辆部件在发生事故后的状态；
    比较模块，被配置为分别将所述一个或多个损失数据与相对应的完好数据进行比较，所述完好数据表示车辆部件在完好情况下的状态；
    分析模块，被配置为根据所述比较的结果进行分析，得出所述各个车辆部件的一个或多个损失系数；
    计算模块，被配置为根据所述一个或多个损失系数计算得到理赔金额。
  9. 根据权利要求8所述的装置，其中，所述损失系数是所述损失数据与对应的完好数据的百分比。
  10. 根据权利要求8所述的装置，其中，所述计算模块被配置为：
    分别根据所述一个或多个损失系数计算出一个或多个车辆部件的维修方式；
    根据所述一个或多个维修方式得到一个或多个维修金额；
    将所述一个或多个维修金额相加得到所述理赔金额。
  11. 一种计算机可读存储介质，其上存储有计算机程序，当所述计算机程序在计算机中执行时，令所述计算机执行权利要求5-7中任一项的所述的方法。
  12. 一种计算***，包括存储器和处理器，其特征在于，所述存储器中存储有可执行代码，所述处理器执行所述可执行代码时，实现权利要求5-7中任一项所述的方法。
  13. 一种基于车辆部件损失数据的车辆定损***，包括根据权利要求3或4所述的装置和根据权利要求9-11中的任一项所述的装置。
PCT/CN2019/111519 2018-11-30 2019-10-16 一种基于车辆部件损失数据的车辆定损方法、装置和*** WO2020108144A1 (zh)

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