Traffic accident compensation method and device

[0065] Hereinafter, exemplary embodiments of the present disclosure will be described in more detail with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0066] The embodiment of the present invention provides a method for settlement of traffic accident claims, which can realize remote settlement processing of traffic accidents, such as figure 1 As shown, the method includes:

[0067] 101. Obtain the information on the damage of the vehicle in the traffic accident corresponding to the party in the traffic accident, and the information that corresponds to the information on the damage of the vehicle in the traffic accident, and the responsibilities of the police.

[0068] Among them, the damage information of a traffic accident vehicle can include information such as the location of the damage to the vehicle, the extent of the damage to the vehicle, and the information to the police can include the information of the party responsible for the traffic accident, the result of the responsibility to the police, the location of the accident, the time of the accident, etc. The party information specifically includes the party's basic information, vehicle license plate information, etc.

[0069] When a traffic accident occurs, the party concerned can send an alarm request to the traffic accident cloud service platform through the client. After the traffic accident cloud service platform receives the alarm request, it can submit the alarm information to the traffic accident handling platform of the traffic police department for the traffic police Responsibility determination can be performed remotely, and the information on the damage of the vehicle in the traffic accident corresponding to the traffic accident party can be obtained, and the responsibility information corresponding to the information on the damage of the vehicle in the traffic accident can be obtained. The execution subject of the embodiment of the present invention may be a device configured in the traffic accident cloud service platform for claim settlement processing of the traffic accident party. When a traffic accident needs to be settled, the device may obtain a traffic accident report from the traffic police department. The processing platform obtains the information on the damage of the vehicle in the traffic accident corresponding to the party in the traffic accident, and the information that corresponds to the information on the damage to the vehicle in the traffic accident and the responsibility for the police.

[0070] 102. Obtain the information of the insured party insured by the traffic accident party according to the information of the traffic accident party in the information on the responsibility of the police.

[0071] Among them, the insurer information may include the name of the insurance company, the interface information of the insurance company's claims settlement platform, and so on.

[0072] According to the basic information of the party concerned, vehicle license plate information, etc., find out which insurance company the party has insured is and which insurance company claims platform it belongs to.

[0073] 103. According to the insurer's information, send the traffic accident vehicle damage information and the information to the police to determine the responsibility to the insurer.

[0074] Specifically, according to the interface information of the insurance company's claims platform, the traffic accident vehicle damage information and the police liability information can be sent to the insurance company's claims platform where the parties have insured, so that the insurer can base on the traffic accident vehicle damage information and the police liability information Carry out the claim settlement of the traffic accident party.

[0075] The embodiment of the present invention provides a traffic accident claim settlement method. Compared with the current way that insurance surveyors go to the scene of a traffic accident to conduct an investigation in person, the embodiment of the present invention can treat the traffic accident party when a traffic accident needs to be settled. Corresponding traffic accident vehicle damage information, and the police responsibility information corresponding to the traffic accident vehicle damage information are sent to the insurer insured by the traffic accident party, so that the insurer can carry out traffic based on the traffic accident vehicle damage information and the police responsibility information The claim settlement of the accident party can further realize the remote settlement settlement of traffic accidents. The insurance company does not need to send insurance surveyors to the scene of the traffic accident to conduct surveys, which can save labor costs.

[0076] In order to better understand the above figure 1 To understand the method shown, as a refinement and expansion of the foregoing implementation manner, the embodiment of the present invention provides another traffic accident compensation method, such as figure 2 As shown, the method includes:

[0077] 201. When a traffic accident needs to be settled, it is detected whether the number of settlements of traffic accidents within a predetermined time period of the traffic accident party is greater than or equal to a predetermined threshold.

[0078] Among them, the predetermined threshold and the predetermined time period can be configured according to actual needs. For example, the predetermined time period may be every week, every month, etc., and the predetermined threshold may be 6 times, 7 times, etc.

[0079] 202a. If it is detected that the number of traffic accident claims settlements of the traffic accident party within a predetermined time period is greater than or equal to a predetermined threshold, stop claim settlement processing for the traffic accident party, and send a warning message to the traffic accident party.

[0080] Among them, the warning information may be text warning information, picture warning information, audio warning information, video warning information, etc.

[0081] For example, when it is necessary to deal with claims for traffic accidents, it can be checked whether the number of claims for traffic accidents in the current month is greater than or equal to 6 times. If the number of claims for traffic accidents is greater than or equal to 6, it means that the parties often have traffic accidents. , It is likely to be an insurance fraud. At this time, stop claim processing for the traffic accident party and send a warning message to the traffic accident party.

[0082] For the embodiment of the present invention, when a traffic accident needs to be settled, it is detected whether the number of traffic accident claims in a predetermined time period of the traffic accident party is greater than or equal to a predetermined threshold. If the number of traffic accident claims is greater than or equal to the predetermined threshold, then Stopping the settlement of claims for traffic accident parties can reduce the occurrence of insurance fraud and improve the safety of insured assets.

[0083] Step 202b, parallel to step 202a, if it is detected that the number of traffic accident claims in a predetermined time period of the traffic accident party is less than a predetermined threshold, then the traffic accident vehicle damage information corresponding to the traffic accident party is obtained, and the information corresponding to the traffic accident vehicle damage information Submit the information to the police.

[0084] Specifically, the traffic accident vehicle damage information corresponding to the traffic accident party can be obtained from the traffic police traffic accident handling platform or the intelligent terminal platform of the on-site investigator, as well as the police responsibility information corresponding to the traffic accident vehicle damage information.

[0085] Such as image 3 As shown, in the traffic accident claims settlement system of the embodiment of the present invention, a traffic accident cloud service platform is built in advance, and the traffic police traffic accident handling platform is associated with data communication through a dedicated network. The communication adopts regular communication and is maintained at the second level. Insurance companies can create their own insurance company claims platform through the traffic accident cloud service platform. For example, it can be in the form of a WeChat official account, which can ensure the independence and flexibility of each insurance company. It can provide mobile software services in the form of links or data Provides data exchange interface services in the form of convenience for various insurance companies to flexibly access; on the traffic accident cloud service platform, it can provide various insurance companies with management interfaces, which can carry out software application LOGO, picture style, business requirements, number of pictures, and customized accidents Information, statistics and other customized services.

[0086] When it is necessary to deal with the claim settlement of a traffic accident, the traffic accident cloud service platform is used to obtain the traffic accident vehicle damage information corresponding to the traffic accident party from the traffic police traffic accident handling platform, and the police responsibility information corresponding to the traffic accident vehicle damage information . In addition to this method, if the on-site investigators are at the accident site, they can also collect the vehicle damage information corresponding to the traffic accident party through the terminal device, and use the vehicle damage information of the traffic accident and the traffic police to give the responsibility information through the terminal device The client is sent to the traffic accident cloud service platform for subsequent claims processing, ensuring the integrity and timeliness of the claim information.

[0087] 203b. Obtain the information of the insured party insured by the traffic accident party according to the information of the traffic accident party in the information that the police has handed over to the police.

[0088] According to the basic information of the party concerned, vehicle license plate information, etc., find out which insurance company the party has insured is and which insurance company claims platform it belongs to.

[0089] 204b. According to the insurer's information, send the traffic accident vehicle damage information and the information of the police to determine the responsibility to the insurer.

[0090] Specifically, according to the interface information of the insurance company’s claims platform, the traffic accident vehicle damage information and the police responsibility information can be sent to the insurance company’s claims platform where the party has insured, so that the insurer can proceed based on the traffic accident vehicle damage information and the police responsibility information The settlement of claims for the traffic accident party. For example, after the insurer logs on to the insurance company’s claims platform, a new claim case reminder will pop up, which can be popped up in the form of pop-up windows and voices. The insurer can click to view specific accident information and hand the police to the police to determine liability information, such as viewing accidents Location, accident time, accident photos, and quick direct insurance claims, remarks on the reasons for direct claims, accident case payment status query, data export, insurance company related accident queries, etc., and quick claims can be built on the insurance company claims platform in advance Function modules, such as the "Quick Claim" button, the insurer can touch the button to quickly settle the claim.

[0091] Due to differences in the business processing procedures between insurance companies, in order to display the sent data according to the business processing procedures of the insurance company, step 204b may specifically include: determining the business corresponding to the insured party insured by the traffic accident party based on the insurer information Process model, in which different insurers correspond to different business process models; convert traffic accident vehicle damage information and police responsibilities information into data corresponding to the business process model; send the converted data according to the insurer’s information To the insurer, in accordance with the business processing procedures of the insurance company, it can display the traffic accident vehicle damage information of the traffic accident party and the information on the responsibility of the police, which is convenient for the insurer to deal with, and can improve the efficiency of traffic accident claims.

[0092] In an optional implementation manner of the embodiment of the present invention, before step 204b, it may further include: obtaining historical illegal information corresponding to the traffic accident party according to the information of the traffic accident party; and performing credit evaluation on the traffic accident party based on the historical illegal information , Obtain the credit rating information corresponding to the traffic accident party; at this time, step 204b may specifically include: according to the insurer’s information, sending the credit rating information, traffic accident vehicle damage information, and the police responsibilities information to the insurer, so that the insurer can Credit rating information, vehicle damage information in traffic accidents, and information to be handed over to the police to determine liability for the traffic accident party’s claims processing.

[0093] For example, according to the historical illegal information corresponding to the traffic accident party, it is found that the party concerned frequently violates the law, the party’s credit rating can be rated as "low", and this credit rating can be sent together with the traffic accident vehicle damage information and the police responsibility information To the insurer, the insurer can, based on the credit rating, not perform direct claims processing, and then proceed with the claims after investigation and processing, thereby improving the safety of the insured property.

[0094] In another optional implementation manner of the embodiment of the present invention, before step 204b, the method may further include: obtaining the driving behavior information of the traffic accident party from the information on the responsibility of the police; and driving according to the driving behavior information and the history of the traffic accident party. The behavior information is analyzed to obtain the claim level information corresponding to the traffic accident party; at this time, step 204b may specifically include: according to the insurer information, sending the claim level information, traffic accident vehicle damage information, and police liability information to the insurer to This allows the insurer to process the claims of the traffic accident party based on the information on the level of claims, the information on the damage to the vehicle in the traffic accident, and the information on the responsibility of the police.

[0095] For example, based on the current driving behavior and historical driving behavior of the party involved in the traffic accident, it is found that the party involved in a rear-end collision recently, indicating that the party is suspected of defrauding insurance, and the party's claim level can be rated as "low", and this The claim level is sent to the insurer together with the information on the damage of the vehicle in the traffic accident and the information of the police. According to the level of the claim, the insurer may not perform direct claim processing, and then proceed with the claim after investigation and processing, thereby reducing the occurrence of insurance fraud , Can improve the safety of insured property.

[0096] In yet another optional implementation manner of the embodiment of the present invention, before step 204b, it may further include: obtaining a claim settlement result of a similar historical traffic accident claim event according to the information on the damage of the vehicle in the traffic accident and the information on the liability to the police; The time step 204b may specifically include: according to the insurer's information, sending the claim processing result, traffic accident vehicle damage information, and police liability information to the insurer, so that the insurer can send the claim processing result, traffic accident vehicle damage information, and report to the police Responsibility information is used to deal with the claims of the traffic accident party.

[0097] For example, based on the vehicle damage information in a traffic accident and the information on the determination of liability to the police, it is found that similar traffic accident claims have occurred in the same location where the incident occurred. The claim processing result is a direct claim, and the claim processing result can be combined with The traffic accident vehicle damage information and the police responsibility information are sent to the insurer, and the insurer refers to this claim processing result for direct claims processing, which can improve the efficiency of traffic accident claims processing.

[0098] It should be noted that, for the embodiment of the present invention, the above three optional embodiments can be combined to achieve, that is, the credit level information of the traffic accident party, the claim level information, and the claim processing results of similar historical traffic accident claims One or more of them are sent to the insurer together with the information on the damage of the vehicle in the traffic accident and the information on the responsibility of the police, so that the insurer can have a more comprehensive understanding of this claim event, and thus can ensure the accuracy of the settlement of the traffic accident.

[0099] According to another traffic accident claim settlement method provided by an embodiment of the present invention, when a traffic accident needs to be settled, insurance fraud can be reduced by detecting whether the number of traffic accident settlements of the traffic accident party in a predetermined time period is greater than or equal to a predetermined threshold. The occurrence of the behavior improves the safety of the insured property. Due to differences in business processing procedures between insurance companies, in order to display the data sent in accordance with the business processing procedures of the insurance company, the information on vehicle damage in traffic accidents and the information on the responsibility of the police can be converted to correspond to the business process model of the insurer And then send to the insurer; and one or more of the credit rating information of the traffic accident party, the claim level information, and the claim processing results of similar historical traffic accident claims can be combined with the traffic accident vehicle damage information, The information on the responsibilities of the police will be sent to the insurer together, so that the insurer can have a more comprehensive understanding of the claim settlement event, thereby ensuring the accuracy of the settlement of traffic accident claims.

[0100] Further, as figure 1 For the specific implementation of the method, the embodiment of the present invention provides a traffic accident compensation device, such as Figure 4 As shown, the device includes: an acquiring unit 31 and a sending unit 32.

[0101] The obtaining unit 31 may be used to obtain the information on the damage of the vehicle in the traffic accident corresponding to the party in the traffic accident, and the information for determining the responsibility to the police corresponding to the information on the damage of the vehicle in the traffic accident. Among them, the damage information of a traffic accident vehicle can include information such as the location of the damage to the vehicle, the extent of the damage to the vehicle, and the information to the police can include the information of the party responsible for the traffic accident, the result of the responsibility to the police, the location of the accident, the time of the accident, etc. The party information specifically includes the party's basic information, vehicle license plate information, etc. The acquiring unit 31 is the main functional module of the device for acquiring the damage information of the traffic accident vehicle and the information corresponding to the damage information of the traffic accident vehicle to the police.

[0102] The obtaining unit 31 may also be used to obtain the information of the insurer insured by the traffic accident party based on the information of the traffic accident party in the information of the traffic accident party. Among them, the insurer information may include the name of the insurance company, the interface information of the insurance company's claims settlement platform, and so on. According to the basic information of the party concerned, vehicle license plate information, etc., find out which insurance company the party has insured is and which insurance company claims platform it belongs to.

[0103] The sending unit 32 may be configured to send the information about the damage to the vehicle in a traffic accident and the information about the responsibility to the police to the insurer according to the information of the insurer.

[0104] Specifically, according to the interface information of the insurance company’s claim platform, the traffic accident vehicle damage information and the police liability information can be sent to the insurance company’s claim platform where the party has insured, so that the insurer can base on the traffic accident vehicle damage information and the Hand over to the police to determine the responsibility information for the claim settlement of the traffic accident party.

[0105] It should be noted that, for other corresponding descriptions of each functional unit involved in a traffic accident compensation device provided by the embodiment of the present invention, please refer to figure 1 The corresponding description in, I won’t repeat it here.

[0106] A traffic accident claim settlement device provided by an embodiment of the present invention includes: an acquisition unit, a sending unit, etc., compared with the current way that an insurance surveyor personally goes to the scene of a traffic accident to conduct an investigation, the embodiment of the present invention requires During the settlement of claims, the information on the damage of the vehicle in the traffic accident corresponding to the traffic accident and the information on the responsibilities of the police corresponding to the information on the damage of the vehicle in the traffic accident can be sent to the insurer insured by the traffic accident party, so that the insurer can make the The information and the information that is assigned to the police are used for the settlement of claims for the traffic accident party, which can realize the remote settlement of claims for traffic accidents. Insurance companies do not need to send insurance investigators to the scene of the traffic accident to conduct investigations, which can save labor costs.

[0107] Further, as figure 2 For the specific implementation of the method, the embodiment of the present invention provides another traffic accident compensation device, such as Figure 5 As shown, the device includes: an acquiring unit 41 and a sending unit 42.

[0108] The acquiring unit 41 may be used to acquire the information on the damage of the traffic accident vehicle corresponding to the traffic accident party, and the information for determining the responsibility to the police corresponding to the information on the damage of the traffic accident vehicle.

[0109] The obtaining unit 41 may also be used to obtain the information of the insurer insured by the traffic accident party based on the information of the traffic accident party in the information of the traffic accident party.

[0110] The sending unit 42 may be configured to send the vehicle damage information in the traffic accident and the information to the police to determine the responsibility to the insurer according to the insurer information.

[0111] Further, so that the insurer performs the claims processing of the traffic accident party according to the information on the damage to the vehicle in the traffic accident and the information on the liability to the police.

[0112] Due to differences in business processing procedures between insurance companies, in order to display the sent data according to the business processing procedures of the insurance company, specifically, the sending unit 42 may specifically include: a determination module 421, a conversion module 422, and a sending module 423.

[0113] The determining module 421 may be used to determine the business process model corresponding to the insurer insured by the traffic accident party according to the insurer information, and different insurers correspond to different business process models.

[0114] The conversion module 422 may be used to convert the information about the damage to the vehicle in the traffic accident and the information about the responsibility to the police into data corresponding to the business process model.

[0115] The sending module 423 can be used to send the converted data to the insurer according to the information of the insurer, so as to display the information of the accident vehicle damage of the traffic accident party and hand the police to the police according to the business processing procedure of the insurance company. Information is convenient for insurers to deal with, and can improve the efficiency of traffic accident claims.

[0116] Further, in order to reduce the occurrence of insurance fraud, the device may further include a detection unit 43.

[0117] The detection unit 43 may be used to detect whether the number of settlements of traffic accident claims of the traffic accident party within a predetermined time period is greater than or equal to a predetermined threshold.

[0118] The sending unit 42 may also be configured to stop the claim settlement processing for the traffic accident party if the detection unit 43 detects that the number of settlements of traffic accidents is greater than or equal to a predetermined threshold, and send to the traffic accident party Warning information, thereby improving the safety of the insured property.

[0119] The acquiring unit 41 may be specifically used by the detecting unit 43 to detect that the number of settlements of traffic accident claims is less than a predetermined threshold, and then acquire the information about the damage of the traffic accident vehicle corresponding to the traffic accident party and the damage information related to the traffic accident vehicle. The information corresponding to the information is handed over to the police to determine the responsibility.

[0120] The acquiring unit 41 may also be specifically used to acquire the vehicle damage information of the traffic accident corresponding to the traffic accident party and the vehicle damage information related to the traffic accident from the traffic police traffic accident handling platform or the intelligent terminal platform of the field investigator. The corresponding information to the police for determining responsibility.

[0121] Further, in order to improve the safety of the insured property, the device may further include: an evaluation unit 44.

[0122] The obtaining unit 41 may also be used to obtain historical illegal information corresponding to the traffic accident party according to the traffic accident party information.

[0123] The evaluation unit 44 may be configured to perform a credit evaluation on the traffic accident party based on the historical illegal information, and obtain credit rating information corresponding to the traffic accident party.

[0124] The sending unit 42 may also be specifically configured to send the credit rating information, the traffic accident vehicle damage information, and the information to the police to the insurer based on the insurer information, so that the insurance The party performs the claim settlement processing of the traffic accident party according to the credit rating information, the vehicle damage information in the traffic accident, and the information about the responsibility to the police.

[0125] Further, the occurrence of insurance fraud can be reduced, and the device further includes: an analysis unit 45.

[0126] The acquiring unit 41 may also be used to acquire the driving behavior information of the party involved in the traffic accident from the information on the determination of the responsibility to the police.

[0127] The analysis unit 45 may be used to analyze the driving behavior information and the historical driving behavior information of the traffic accident party to obtain the compensation level information corresponding to the traffic accident party.

[0128] The sending unit 42 may be specifically configured to send the claim level information, the traffic accident vehicle damage information, and the police liability information to the insurer according to the insurer information, so that the insurance The party performs the claim settlement processing of the traffic accident party according to the claim settlement level information, the traffic accident vehicle damage information and the police liability information, thereby improving the safety of the insured property.

[0129] In order to improve the efficiency of the settlement of traffic accident claims, the acquisition unit 41 may also be used to obtain the settlement processing results of similar historical traffic accident claims based on the information about the damage of the traffic accident vehicle and the information about the liability to the police.

[0130] The sending unit 42 may also be specifically configured to send the claim processing result, the traffic accident vehicle damage information, and the information about the responsibility to the police to the insurer according to the insurer information, so that all The insurer performs the claims processing of the traffic accident party according to the claim processing result, the information about the damage to the vehicle in the traffic accident, and the information about the responsibility to the police.

[0131] It should be noted that, for other corresponding descriptions of the functional units involved in another traffic accident compensation device provided by the embodiment of the present invention, please refer to figure 2 The corresponding description in, I won’t repeat it here.

[0132] Another traffic accident claim settlement device provided by an embodiment of the present invention includes: an acquisition unit, a sending unit, a detection unit, an evaluation unit, an analysis unit, etc., when a traffic accident needs to be settled, the traffic accident party is detected at a predetermined time Whether the number of settlements of traffic accident claims in a cycle is greater than or equal to a predetermined threshold can reduce the occurrence of insurance fraud and improve the safety of insured assets. Due to differences in business processing procedures between insurance companies, in order to display the data sent in accordance with the business processing procedures of the insurance company, the information on vehicle damage in traffic accidents and the information on the responsibility of the police can be converted to correspond to the business process model of the insurer And then send to the insurer; and one or more of the credit rating information of the traffic accident party, the claim level information, and the claim processing results of similar historical traffic accident claims can be combined with the traffic accident vehicle damage information, The information on the responsibilities of the police will be sent to the insurer together, so that the insurer can have a more comprehensive understanding of the claim settlement event, thereby ensuring the accuracy of the settlement of traffic accident claims.

[0133] In the above-mentioned embodiments, the description of each embodiment has its own focus. For parts that are not described in detail in an embodiment, reference may be made to related descriptions of other embodiments.

[0134] It can be understood that the relevant features in the above method and device can be referred to each other. In addition, the “first”, “second”, etc. in the foregoing embodiments are used to distinguish the embodiments, and do not represent the advantages and disadvantages of the embodiments.

[0135] Those skilled in the art can clearly understand that, for the convenience and conciseness of the description, the specific working process of the above-described system, device, and unit can refer to the corresponding process in the foregoing method embodiment, which will not be repeated here.

[0136] The algorithms and displays provided here are not inherently related to any particular computer, virtual system or other equipment. Various general-purpose systems can also be used with the teaching based on this. From the above description, the structure required to construct this type of system is obvious. In addition, the present invention is not directed to any specific programming language. It should be understood that various programming languages ​​can be used to implement the content of the present invention described herein, and the above description of a specific language is to disclose the best embodiment of the present invention.

[0137] In the instructions provided here, a lot of specific details are explained. However, it can be understood that the embodiments of the present invention can be practiced without these specific details. In some instances, well-known methods, structures and technologies are not shown in detail, so as not to obscure the understanding of this specification.

[0138] Similarly, it should be understood that in order to simplify the present disclosure and help understand one or more of the various inventive aspects, in the above description of the exemplary embodiments of the present invention, the various features of the present invention are sometimes grouped together into a single embodiment, Figure, or its description. However, the disclosed method should not be interpreted as reflecting the intention that the claimed invention requires more features than those explicitly stated in each claim. More precisely, as reflected in the following claims, the inventive aspect lies in less than all the features of a single embodiment disclosed previously. Therefore, the claims following the specific embodiment are thus explicitly incorporated into the specific embodiment, wherein each claim itself serves as a separate embodiment of the present invention.

[0139] Those skilled in the art can understand that it is possible to adaptively change the modules in the device in the embodiment and set them in one or more devices different from the embodiment. The modules or units or components in the embodiments can be combined into one module or unit or component, and in addition, they can be divided into multiple sub-modules or sub-units or sub-components. Except that at least some of such features and/or processes or units are mutually exclusive, any combination can be used to compare all features disclosed in this specification (including the accompanying claims, abstract and drawings) and any method or methods disclosed in this manner or All the processes or units of the equipment are combined. Unless expressly stated otherwise, each feature disclosed in this specification (including the accompanying claims, abstract and drawings) may be replaced by an alternative feature providing the same, equivalent or similar purpose.

[0140] In addition, those skilled in the art can understand that although some embodiments described herein include certain features included in other embodiments but not other features, the combination of features of different embodiments means that they are within the scope of the present invention. Within and form different embodiments. For example, in the following claims, any one of the claimed embodiments can be used in any combination.

[0141] The various component embodiments of the present invention may be implemented by hardware, or by software modules running on one or more processors, or by their combination. Those skilled in the art should understand that a microprocessor or a digital signal processor (DSP) may be used in practice to implement some or all of some or all of the components in a traffic accident compensation method and device according to the embodiments of the present invention. Features. The present invention can also be implemented as a device or device program (for example, a computer program and a computer program product) for executing part or all of the methods described herein. Such a program for realizing the present invention may be stored on a computer-readable medium, or may have the form of one or more signals. Such signals can be downloaded from Internet websites, or provided on carrier signals, or provided in any other form.

[0142] It should be noted that the above-mentioned embodiments illustrate rather than limit the present invention, and those skilled in the art can design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses should not be constructed as a limitation to the claims. The word "comprising" does not exclude the presence of elements or steps not listed in the claims. The word "a" or "an" preceding an element does not exclude the presence of multiple such elements. The invention can be implemented by means of hardware comprising several different elements and by means of a suitably programmed computer. In the unit claims enumerating several devices, several of these devices may be embodied in the same hardware item. The use of the words first, second, and third does not indicate any order. These words can be interpreted as names.