Damage determination and claim settlement method, application server and computer-readable storage medium

Abstract

The invention discloses a damage determination and claim settlement method. The method includes: acquiring a plurality of to-be-determined-damage pictures; obtaining a preset number of copies of eachto-be-determined-damage picture by copying, and distributing the same to a plurality of public damage determination personnel according to a preset allocation mechanism; receiving damage determinationlabels returned by each of the public damage determination personnel; and according to the received damage determination labels, analyzing whether damage determination labels of the same to-be-determined-damage image are identical, and thus obtaining a damage determination result of each to-be-determined-damage picture by analysis. The invention also provides an application server and a computer-readable storage medium. According to the damage determination and claim settlement method, the application server and the computer-readable storage medium provided by the invention, the to-be-determined-damage pictures can be distributed in a crowd-sourcing form, damage determination cognizance can be achieved by a lower cost, work intensity of professional damage determination personnel can be eased, and an accuracy degree of damage determination identification can also be increased.

Description

technical field [0001] The invention relates to the technical field of image processing, in particular to a method for determining damages and claim settlement, a server and a computer-readable storage medium. Background technique [0002] With the popularity of automobiles, the number of vehicle accidents has increased year by year, making the demand for claims also jump. As an important part of the insurance field, vehicle insurance will occupy considerable human and operational resources in the insurance sector. When a vehicle has an accident, the insurance loss assessor needs to go to the accident scene to investigate, take photos of the accident for archiving, and judge the damaged part and degree of the accident vehicle, and determine the replacement plan for the vehicle. Furthermore, the damage assessor can also observe the photos returned by the insured users on-site through the computer background, online or offline, so as to mark the parts of the vehicle in the pi...

AI Technical Summary

Problems solved by technology

For the above loss determination methods, for the demand of tens of millions of cases a year, the insurance loss determination personnel work for a long time, and the accuracy of loss determination may not be guaranteed, and the cost of manpower input is high.

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