Risk assessment method and device, network equipment and storage medium
Through augmented reality technology to obtain object information and combine it with risk assessment models, the problem of low risk assessment time and accuracy caused by manual operations in the prior art is solved, and more efficient and accurate risk assessment is achieved.
Patent Information
- Application Number
- CN202411398254.3
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-08
- Publication Date
- 2024-12-31
AI Technical Summary
Existing object risk assessments rely on manual operations, resulting in longer assessment durations and less accuracy and efficiency.
Augmented reality (AR) camera device is used to obtain the image and damaged information of the target object, and evaluate it in combination with the risk assessment model to obtain the risk assessment results, reducing manual operation and subjectivity.
It improves the accuracy and efficiency of risk assessment, reduces labor costs, simplifies the evaluation process, and reduces the inconvenience of paper document management.
Smart Images
Figure CN119228137A_ABST
Abstract
Description
Technical Field
[0001] The present disclosure relates to the field of artificial intelligence technology, and in particular to a risk assessment method, apparatus, network equipment and storage medium. Background Art
[0002] With the development of science and technology, more and more services are provided to users, and improving service quality has become the focus of users. Among them, when conducting object risk assessment, it is necessary to rely on manual operations, including on-site inspection, data entry, data review, etc., which makes the assessment time longer and leads to low assessment accuracy and efficiency. Summary of the invention
[0003] The present disclosure provides a risk assessment method, device, network device and storage medium to improve the accuracy and efficiency of risk assessment. The technical solution of the present disclosure is as follows:
[0004] According to a first aspect of an embodiment of the present disclosure, a risk assessment method is provided, comprising:
[0005] When receiving the target command, the target object in the target image is acquired by an augmented reality (AR) camera device;
[0006] Acquiring first damage information corresponding to the target object;
[0007] According to the first damage information corresponding to the target object, a risk assessment model is used to perform risk assessment on the target object to obtain a risk assessment result corresponding to the target object.
[0008] According to some embodiments, acquiring the target object in the target image by using an augmented reality (AR) camera device includes:
[0009] Acquire application information corresponding to the target instruction, wherein the application information includes at least one of user information, second damaged information, and a risk report number;
[0010] When the application information meets the information requirements, the target object in the target image is acquired through an augmented reality (AR) camera device.
[0011] According to some embodiments, performing risk assessment on the target object using a risk assessment model according to the first damage information corresponding to the target object to obtain a risk assessment result corresponding to the target object includes:
[0012] Acquire object information corresponding to the target object;
[0013] When the first damaged information and the second damaged information are consistent, performing risk assessment on the target object using a risk assessment model to obtain a risk assessment result corresponding to the target object;
[0014] When the first damaged information and the second damaged information are inconsistent, issuing damaged prompt information;
[0015] A damage determination instruction for the damaged prompt information is received, and based on the object information and the damaged information corresponding to the damaged determination instruction, the risk assessment model is used to perform risk assessment on the target object to obtain a risk assessment result corresponding to the target object.
[0016] According to some embodiments, obtaining a risk assessment result corresponding to the target object includes:
[0017] According to the historical data and the risk type corresponding to the first damaged information, the risk assessment result corresponding to the target object is adjusted to obtain an adjusted risk assessment result.
[0018] According to some embodiments, the method further comprises:
[0019] If the risk assessment result meets the claim settlement requirements, sending the risk assessment result to the target terminal;
[0020] or
[0021] In the event that the risk assessment result does not meet the claim settlement requirement, a supplementary information prompt message for the target object is issued to redetermine the risk assessment result based on the supplemented information.
[0022] According to some embodiments, the method further comprises:
[0023] In the case that the risk assessment result does not meet the result requirement, the data in the risk assessment result that does not meet the data requirement is determined or the risk assessment result is re-determined.
[0024] According to some embodiments, the method further comprises:
[0025] Obtaining a risk type corresponding to the first damaged information;
[0026] Obtain a risk assessment model corresponding to the risk type.
[0027] According to a second aspect of an embodiment of the present disclosure, there is provided a risk assessment device, comprising:
[0028] An information acquisition unit, configured to acquire a target object in a target image through an augmented reality (AR) camera device when a target instruction is received;
[0029] The information acquisition unit is further used to acquire first damage information corresponding to the target object;
[0030] The risk assessment unit is used to perform risk assessment on the target object using a risk assessment model according to the first damage information corresponding to the target object, and obtain a risk assessment result corresponding to the target object.
[0031] According to a third aspect of an embodiment of the present disclosure, a network device is provided, including:
[0032] processor;
[0033] a memory for storing instructions executable by the processor;
[0034] The processor is configured to execute the instructions to implement the risk assessment method described in any one of the aforementioned aspects.
[0035] According to a fourth aspect of an embodiment of the present disclosure, a storage medium is provided. When instructions in the storage medium are executed by a processor of a network device, the network device is enabled to execute the risk assessment method described in any one of the preceding aspects.
[0036] According to a fifth aspect of an embodiment of the present disclosure, a computer program product is provided, including a computer program, wherein the computer program implements any one of the methods described in the preceding aspects when executed by a processor.
[0037] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects:
[0038] In some or related embodiments, when a target instruction is received, the target object in the target image is acquired through an augmented reality AR camera device; the first damage information corresponding to the target object is acquired; and according to the first damage information corresponding to the target object, a risk assessment model is used to perform a risk assessment on the target object, and a risk assessment result corresponding to the target object is acquired. Therefore, by acquiring the target object through an AR camera device, the target object can be determined through augmented reality technology, and the risk assessment result can be determined using a risk assessment model, without the need for manual operation, thereby reducing the situation where the subjectivity of manual evaluation and experience differences lead to inaccurate risk assessment, reducing labor costs, and without the need for cumbersome processes and paper documents, reducing the duration of the evaluation and the inconvenience of result management, simplifying the operating steps during the evaluation, accelerating the progress of the evaluation, and improving the accuracy and efficiency of the risk evaluation.
[0039] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS
[0040] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.
[0041] Figure 1 is a flow chart of a risk assessment method according to an exemplary embodiment;
[0042] Figure 2 is a flow chart of a risk assessment method according to an exemplary embodiment;
[0043] Figure 3 is a flow chart of a risk assessment method according to an exemplary embodiment;
[0044] Figure 4 is an exemplary schematic diagram of a risk assessment system according to an exemplary embodiment;
[0045] Figure 5 is a block diagram of a risk assessment device according to an exemplary embodiment;
[0046] Figure 6 The invention is a block diagram of a network device according to an exemplary embodiment. DETAILED DESCRIPTION
[0047] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.
[0048] The embodiments of the present disclosure provide risk assessment methods, devices, network devices and storage media. In some embodiments, the risk assessment method, information processing method, communication method and other terms can be interchangeable, the risk assessment device, information processing device, communication device and other terms can be interchangeable, and the information processing system, communication system and other terms can be interchangeable.
[0049] The embodiments of the present disclosure are not exhaustive, but are only illustrative of some embodiments, and are not intended to be a specific limitation on the scope of protection of the present disclosure. In the absence of contradiction, each step in a certain embodiment can be implemented as an independent embodiment, and the steps can be arbitrarily combined. For example, a solution after removing some steps in a certain embodiment can also be implemented as an independent embodiment, and the order of the steps in a certain embodiment can be arbitrarily exchanged. In addition, the optional implementation methods in a certain embodiment can be arbitrarily combined; in addition, the embodiments can be arbitrarily combined, for example, some or all of the steps of different embodiments can be arbitrarily combined, and a certain embodiment can be arbitrarily combined with the optional implementation methods of other embodiments.
[0050] In each embodiment of the present disclosure, unless otherwise specified or there is a logical conflict, the terms and / or descriptions between the embodiments are consistent and can be referenced to each other, and the technical features in different embodiments can be combined to form a new embodiment based on their internal logical relationships.
[0051] The terms used in the embodiments of the present disclosure are only for the purpose of describing specific embodiments and are not intended to limit the present disclosure.
[0052] In the embodiments of the present disclosure, unless otherwise specified, elements expressed in the singular form, such as "a", "an", "the", "above", "said", "aforementioned", "this", etc., may mean "one and only one", or "one or more", "at least one", etc. For example, when using articles such as "a", "an", "the" in English in translation, the noun after the article may be understood as a singular expression or a plural expression.
[0053] In the embodiments of the present disclosure, “plurality” refers to two or more.
[0054] In some embodiments, the terms “at least one,” “one or more,” “a plurality of,” “multiple,” etc. may be used interchangeably.
[0055] In some embodiments, "at least one of A and B", "A and / or B", "A in one case, B in another case", "in response to one case A, in response to another case B", etc., may include the following technical solutions according to the situation: in some embodiments, A (A is executed independently of B); in some embodiments, B (B is executed independently of A); in some embodiments, execution is selected from A and B (A and B are selectively executed); in some embodiments, A and B (both A and B are executed). When there are more branches such as A, B, C, etc., the above is also similar.
[0056] In some embodiments, devices and equipment may be interpreted as physical or virtual, and their names are not limited to the names recorded in the embodiments. In some cases, they may also be understood as "equipment", "device", "circuit", "network element", "node", "function", "unit", "section", "system", "network", "chip", "chip system", "entity", "subject", etc.
[0057] In some embodiments, "terminal" or "terminal device" can be referred to as "user equipment (UE)", "user terminal" "mobile station (MS)", "mobile terminal (MT)", subscriber station, mobile unit, subscriber unit, wireless unit, remote unit, mobile device, wireless device, wireless communication device, remote device, mobile subscriber station, access terminal, mobile terminal, wireless terminal, remote terminal, handset, user agent, mobile client, client, etc.
[0058] It should be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.) and signals involved in this application are all authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.
[0059] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.
[0060] Figure 1 is a flow chart of a risk assessment method according to an exemplary embodiment. Figure 1 As shown, the following steps are included:
[0061] In step S11, when a target instruction is received, a target object in a target image is acquired by an augmented reality (AR) camera device;
[0062] In some embodiments, the execution subject of the embodiments of the present disclosure may be, for example, a network device, and the name of the network device is not limited. For example, the network device may also be called a server, a base station, or a server cluster, etc. The embodiments of the present disclosure are not limited to this.
[0063] According to some embodiments, the target instruction may be, for example, an instruction acquired by an augmented reality camera. The target instruction does not specifically refer to a fixed instruction. The target instruction includes, but is not limited to, a gesture instruction, a click instruction, a voice instruction, or a pre-set instruction. Among them, the gesture instruction may be, for example, an instruction acquired by identifying the movement trajectory of the user's hand. Among them, different instructions may be acquired at different time points, for example.
[0064] In some embodiments, the augmented reality AR camera device may be, for example, a device for capturing images independent of a network device. The AR camera device may, for example, identify the captured image, obtain an object in the image, and obtain information related to the object. The object-related information includes, but is not limited to, object color, object integrity, object name, object attributes, and the like. The disclosed embodiments do not limit the object-related information. For example, any object-related information obtained by the augmented reality AR camera device may be used.
[0065] In some embodiments, the target image refers to an image captured by an AR camera device when performing risk assessment. The target image does not specifically refer to a fixed image. For example, when the image capture time point changes, the target image may also change accordingly. For example, when the image information corresponding to the target image changes, the target image may also change accordingly.
[0066] In some embodiments, the target object may be, for example, an object to be risk-assessed. The target object does not specifically refer to a fixed object. The target object does not specifically refer to a fixed object. For example, when the type corresponding to the target object changes, the target object may also change accordingly. Wherein, in the case where the target image corresponds to multiple objects, the target object may be determined, for example, by a received object selection instruction.
[0067] In some embodiments, for example, when a target instruction is received, the target object in the target image is acquired by an augmented reality (AR) camera device.
[0068] In step S12, first damage information corresponding to the target object is obtained;
[0069] According to some embodiments, the first damaged information may be, for example, damaged information obtained by analyzing the target object based on the target image. The first damaged information may be, for example, damaged information obtained by performing feature recognition on the target object using big data analysis technology. The first damaged information does not specifically refer to a fixed information. For example, when the degree of damage to the target object changes, the first damaged information may also change accordingly. For example, when the method for determining the damaged information changes, the first damaged information may also change accordingly. The damaged information may also be referred to as damaged information, which is not limited in the embodiments of the present disclosure.
[0070] In some embodiments, when a target object is acquired, first damage information corresponding to the target object may be acquired.
[0071] In step S13, a risk assessment model is used to perform risk assessment on the target object according to the first damage information corresponding to the target object, and a risk assessment result corresponding to the target object is obtained.
[0072] In some embodiments, the risk assessment model may be, for example, a model that has been trained and can be used to perform risk assessment or damage assessment on an object. The risk assessment model does not specifically refer to a fixed model. For example, when the model parameters of the risk assessment model change, the risk assessment model may also change accordingly. For example, when the training parameters used by the risk assessment model change, the risk assessment model may also change accordingly.
[0073] According to some embodiments, the risk assessment result may be, for example, an assessment result corresponding to the target object. The risk assessment result does not specifically refer to a fixed result. For example, when the risk assessment model changes, the risk assessment result may also change accordingly. For example, when the target object changes, the risk assessment result may also change accordingly.
[0074] In some embodiments, based on the first damage information corresponding to the target object, a risk assessment model may be used to perform risk assessment on the target object to obtain a risk assessment result corresponding to the target object.
[0075] In some or related embodiments, when a target instruction is received, the target object in the target image is acquired through an augmented reality AR camera device; the first damage information corresponding to the target object is acquired; and according to the first damage information corresponding to the target object, a risk assessment model is used to perform a risk assessment on the target object, and a risk assessment result corresponding to the target object is acquired. Therefore, by acquiring the target object through an AR camera device, the target object can be determined through augmented reality technology, and the risk assessment result can be determined using a risk assessment model, without the need for manual operation, thereby reducing the situation where the subjectivity of manual evaluation and experience differences lead to inaccurate risk assessment, reducing labor costs, and without the need for cumbersome processes and paper documents, reducing the duration of the evaluation and the inconvenience of result management, simplifying the operating steps during the evaluation, accelerating the progress of the evaluation, and improving the accuracy and efficiency of the risk evaluation.
[0076] Figure 2 is a flow chart of a risk assessment method according to an exemplary embodiment. Figure 2 As shown, the following steps are included:
[0077] In step S21, when a target instruction is received, application information corresponding to the target instruction is obtained, wherein the application information includes at least one of user information, second damaged information, and a risk report number;
[0078] The specific process is as described above and will not be repeated here.
[0079] In some embodiments, Figure 3 is a flow chart of a risk assessment method according to an exemplary embodiment. Figure 3 As shown, the target instruction may be, for example, an instruction for evaluating an object. The target instruction does not specifically refer to a fixed instruction. The target instruction includes, but is not limited to, gesture instructions, voice instructions, and click instructions. For example, when the receiving time point of the target instruction changes, the target instruction may also change accordingly. Among them, the risk assessment for the target object may include, for example, an assessment conducted before the target object is damaged, for example, an assessment conducted after the target object is damaged, or an assessment conducted when a claim is requested. The disclosed embodiments are not limited to this.
[0080] In some embodiments, the application information may be, for example, application information for evaluating a target object. The application information may be, for example, used to indicate information obtained before the evaluation. The application information includes at least one of user information, second damaged information, and a risk report number. The user information may include, for example, a user account and a user password. This is not limited in the embodiments of the present disclosure. The user account and the user password are used to verify the authority of the user account and determine whether the user account is qualified to use the risk assessment function. Figure 3 As shown, for example, a user can log in to the system, select the target object type, and obtain the target object image by scanning with an AR device, identify the image to obtain the target object, and perform risk assessment on the object to generate a risk assessment report. The target object can be, for example, a so-called target object.
[0081] In some embodiments, the second damaged information may be information directly input through a terminal, that is, information not obtained through a risk assessment model. The second damaged information may be information directly input by a user through a terminal. The second damaged information does not specifically refer to a fixed information. For example, when any parameter in the second damaged information changes, the second damaged information may also change accordingly. For example, when the degree of damage to the target object changes, the second damaged information may also change accordingly.
[0082] In some embodiments, the risk report number is used to uniquely identify the risk assessment result of the target object. The risk report number does not specifically refer to a fixed number. For example, when the composition of the risk report number changes, the risk report number may also change accordingly. For example, when the specific number of the risk assessment number changes, the risk report number may also change accordingly.
[0083] In some embodiments, for example, when a target instruction is received, application information corresponding to the target instruction can be obtained, wherein the application information includes at least one of user information, second damaged information, and a risk report number.
[0084] In step S22, when the application information meets the information requirements, a target instruction is received, and a target object in a target image is acquired through an augmented reality (AR) camera device;
[0085] The specific process is as described above and will not be repeated here.
[0086] In some embodiments, the information requirement may be, for example, a requirement for whether to conduct a risk assessment on the target object. The information requirement does not specifically refer to a fixed requirement. For example, when the amount of information included in the application information changes, the application information may also change accordingly. For example, when a modification instruction of the information requirement is received, the information requirement may also be modified, and the information requirement may also change accordingly.
[0087] In some embodiments, for example, when the application information meets the information requirements, a function display interface instruction can be sent to the augmented reality AR camera device. The augmented reality AR camera device can display the function interface. When the augmented reality AR camera device receives a target instruction in the function interface, the network device can obtain the target object in the target image through the augmented reality AR camera device. Among them, the target instruction can be, for example, a risk assessment instruction, which can include, for example, an intelligent claims instruction, a quick damage assessment instruction, etc.
[0088] The augmented reality AR camera device can determine that the target object is within the camera interface by, for example, adjusting the position of the camera. The augmented reality AR camera device can also determine the target object in the target image by, for example, augmented reality AR technology.
[0089] In step S23, first damage information corresponding to the target object is obtained;
[0090] The specific process is as described above and will not be repeated here.
[0091] In step S24, a risk assessment model is used to perform risk assessment on the target object according to the first damage information corresponding to the target object, and a risk assessment result corresponding to the target object is obtained.
[0092] The specific process is as described above and will not be repeated here.
[0093] The risk assessment result may be, for example, an assessment report. The assessment report may include, for example, risk levels, potential risk points, and preventive measures. The preventive measures may correspond to the type of target object, for example. The assessment report does not specifically refer to a fixed report. For example, when the generation time of the assessment report changes, the assessment report may also change accordingly. For example, when the information included in the assessment report changes, the assessment report may also change accordingly.
[0094] In some embodiments, when the risk assessment result is obtained, the risk assessment result can be sent to the terminal. The risk assessment result can be used to instruct the terminal to display or view the risk assessment result in a preset application. The risk assessment result can also be used to instruct the terminal to directly display the risk assessment result.
[0095] According to some embodiments, the method further comprises:
[0096] Obtaining a risk type corresponding to the first damaged information;
[0097] Acquiring a risk assessment model corresponding to the risk type can improve the matching of the risk assessment model and the target object, improve the accuracy of risk assessment on the target object, and improve the accuracy of obtaining risk assessment results.
[0098] In some embodiments, the risk type may specifically include, for example, a damage degree type, an object type, and the like.
[0099] According to some embodiments, performing risk assessment on the target object using a risk assessment model according to the first damage information corresponding to the target object to obtain a risk assessment result corresponding to the target object includes:
[0100] Acquire object information corresponding to the target object;
[0101] When the first damaged information and the second damaged information are consistent, performing risk assessment on the target object using a risk assessment model to obtain a risk assessment result corresponding to the target object;
[0102] When the first damaged information and the second damaged information are inconsistent, issuing damaged prompt information;
[0103] A damage determination instruction for the damaged prompt information is received, and based on the object information and the damaged information corresponding to the damaged determination instruction, the risk assessment model is used to perform risk assessment on the target object to obtain a risk assessment result corresponding to the target object.
[0104] The object information may include, for example, the purchase time of the target object, the object value, the object size, etc. The object information does not specifically refer to a fixed information. For example, when the amount of information included in the object information changes, the object information may also change accordingly. For example, when the specific information of the object information changes, the object information may also change accordingly.
[0105] According to some embodiments, obtaining a risk assessment result corresponding to the target object includes:
[0106] According to the historical data and the risk type corresponding to the first damaged information, the risk assessment result corresponding to the target object is adjusted to obtain an adjusted risk assessment result.
[0107] According to some embodiments, the method further comprises:
[0108] If the risk assessment result meets the claim settlement requirements, sending the risk assessment result to the target terminal;
[0109] or
[0110] In the event that the risk assessment result does not meet the claim settlement requirement, a supplementary information prompt message for the target object is issued to redetermine the risk assessment result based on the supplemented information.
[0111] In some embodiments, the historical risk assessment result set may be, for example, a collection of at least one historical risk assessment result. The historical risk assessment result set does not specifically refer to a fixed set. For example, when the number of results corresponding to the historical risk assessment result set changes, the historical risk assessment result set may also change accordingly. For example, when a historical risk assessment result in the historical risk assessment result set changes, the historical risk assessment result set may also change accordingly.
[0112] In some embodiments, for example, a historical risk assessment result set may be obtained every preset time. The historical risk assessment result set may include, for example, risk assessment results, loss assessment results, claims settlement results, etc., and may be integrated. The historical risk assessment result set may be analyzed and determined to determine risk points and optimization directions by using big data analysis and mining technology, and the risk assessment model may be optimized, thereby improving the accuracy of risk assessment results.
[0113] According to some embodiments, the method further comprises:
[0114] In the case that the risk assessment result does not meet the result requirement, the data in the risk assessment result that does not meet the data requirement is determined or the risk assessment result is re-determined.
[0115] In some embodiments, the risk assessment function may be, for example, a damage assessment function. This function may be performed, for example, after an initial risk assessment of the target object. When a damage assessment instruction is received, the target object may be acquired through an augmented reality (AR) camera device, for example, and the damaged area of the target object may be acquired. At the same time, the object information corresponding to the target object may be acquired. According to the risk assessment model and object information corresponding to the target object, the damage amount may be determined, and a damage assessment report may be generated. When the damage assessment report is acquired, the damage assessment report may be sent to a terminal. When a confirmation instruction of the terminal for the damage assessment report is received, the damage assessment report may be sent to a server or a terminal where the insurance company is located. The target object may be, for example, a painting. The damaged area may be, for example, a contaminated painting.
[0116] In some embodiments, the risk assessment function may specifically be, for example, an intelligent claims function. Through an augmented reality AR camera device, for example, a target object may be acquired, and a damaged area of the target object may be acquired. At the same time, object information and second damage information corresponding to the target object may be acquired. According to the risk assessment model and object information corresponding to the target object, determine whether the target object meets the claims requirements. If the claims requirements are met, the claims information may be determined based on the object information and the second damage information, and a claims report may be generated. When the claims report is obtained, the claims report may be sent to a server or a terminal where the insurance company is located. If the non-claim requirements are met, a damage prompt message may be sent to the terminal to supplement the second damage information. Among them, the user may monitor the claims progress and provide feedback on the claims evaluation through the terminal application.
[0117] Figure 4 An example schematic diagram of a risk assessment system of an embodiment of the present disclosure is shown, which system may include, for example, a data server, an application server, an AR device interface, and a user interaction interface. The data server is used to store a large amount of insurance object data, risk assessment models, and claims history data. The application server is responsible for processing data analysis and claims logic. The AR device interface is used to communicate with various AR devices to achieve real-time data transmission. The user interaction interface provides an entry for users to operate and query, which can facilitate user operations. Among them, AR devices include but are not limited to AR glasses, smartphones or tablets with AR functions, etc.
[0118] In one or related embodiments, when a target instruction is received, application information corresponding to the target instruction is obtained, wherein the application information includes at least one of user information, second damaged information, and a risk report number; when the application information meets the information requirements, the target instruction is received, and the target object in the target image is obtained through an augmented reality AR camera device. Therefore, the security of risk assessment can be improved by verifying the application information, and risk assessment can be performed based on more detailed information without manual operation, thereby reducing the subjectivity of manual assessment and experience differences that lead to inaccurate risk assessment. There is no need for cumbersome processes and paper documents, which reduces the duration of assessment and the inconvenience of result management, and can improve the accuracy and efficiency of risk assessment.
[0119] Figure 5 FIG. 1 is a block diagram of a risk assessment device according to an exemplary embodiment. Figure 5 , the risk assessment device 500 comprises:
[0120] The information acquisition unit 501 is used to acquire the target object in the target image through the augmented reality (AR) camera device when receiving the target instruction;
[0121] The information acquisition unit 501 is further used to acquire first damage information corresponding to the target object;
[0122] The risk assessment unit 502 is configured to perform risk assessment on the target object using a risk assessment model according to the first damage information corresponding to the target object, and obtain a risk assessment result corresponding to the target object.
[0123] According to some embodiments, the information acquisition unit 501 is used to acquire the target object in the target image through the augmented reality (AR) camera device, specifically to:
[0124] Acquire application information corresponding to the target instruction, wherein the application information includes at least one of user information, second damaged information, and a risk report number;
[0125] When the application information meets the information requirements, the target object in the target image is acquired through an augmented reality (AR) camera device.
[0126] According to some embodiments, the information acquisition unit 501 is used to perform risk assessment on the target object using a risk assessment model according to the first damaged information corresponding to the target object, and to obtain a risk assessment result corresponding to the target object, specifically for:
[0127] Acquire object information corresponding to the target object;
[0128] When the first damaged information and the second damaged information are consistent, performing risk assessment on the target object using a risk assessment model to obtain a risk assessment result corresponding to the target object;
[0129] When the first damaged information and the second damaged information are inconsistent, issuing damaged prompt information;
[0130] A damage determination instruction for the damaged prompt information is received, and based on the object information and the damaged information corresponding to the damaged determination instruction, the risk assessment model is used to perform risk assessment on the target object to obtain a risk assessment result corresponding to the target object.
[0131] According to some embodiments, the risk assessment unit 502, when used to obtain the risk assessment result corresponding to the target object, is specifically used to:
[0132] According to the historical data and the risk type corresponding to the first damaged information, the risk assessment result corresponding to the target object is adjusted to obtain an adjusted risk assessment result.
[0133] According to some embodiments, the risk assessment unit 502 is further specifically configured to:
[0134] If the risk assessment result meets the claim settlement requirements, sending the risk assessment result to the target terminal;
[0135] or
[0136] In the event that the risk assessment result does not meet the claim settlement requirement, a supplementary information prompt message for the target object is issued to redetermine the risk assessment result based on the supplemented information.
[0137] According to some embodiments, the risk assessment unit 502 is further specifically configured to:
[0138] In the case that the risk assessment result does not meet the result requirement, the data in the risk assessment result that does not meet the data requirement is determined or the risk assessment result is re-determined.
[0139] According to some embodiments, the risk assessment unit 502 is further specifically configured to:
[0140] Obtaining a risk type corresponding to the first damaged information;
[0141] Obtain a risk assessment model corresponding to the risk type.
[0142] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.
[0143] In some or related embodiments, an information acquisition unit is used to acquire a target object in a target image through an augmented reality AR camera device when a target instruction is received; the information acquisition unit is also used to acquire first damage information corresponding to the target object; and a risk assessment unit is used to perform a risk assessment on the target object using a risk assessment model according to the first damage information corresponding to the target object, and acquire a risk assessment result corresponding to the target object. Therefore, by acquiring the target object through an AR camera device, a risk assessment model can be used to determine the risk assessment result without manual operation, thereby reducing the situation where the risk assessment is inaccurate due to the subjectivity and experience differences of manual assessment, and without the need for cumbersome processes and paper documents, thereby reducing the duration of the assessment and the inconvenience of result management, and improving the accuracy and efficiency of risk assessment.
[0144] Figure 6 600 is a block diagram of a network device 600 provided in an embodiment of the present disclosure. For example, the network device 600 may be provided as a network side device. Figure 6The network device 600 includes a processing component 622, which further includes at least one processor, and a memory resource represented by a memory 632 for storing instructions executable by the processing component 622, such as an application. The application stored in the memory 632 may include one or more modules, each corresponding to a set of instructions. In addition, the processing component 622 is configured to execute instructions to perform the above-mentioned method.
[0145] The network device 600 may also include a power supply component 627 configured to perform power management of the network device 600, a wired or wireless network interface 650 configured to connect the network device 600 to a network, and an input / output (I / O) interface 658. The network device 600 may operate based on an operating system stored in the memory 632, such as Windows Server TM, Mac OS X TM, Unix TM, Linux TM, Free BSD TM or the like.
[0146] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.
[0147] The program code for implementing the method of the present disclosure may be written in any combination of one or more programming languages. These program codes may be provided to a processor or controller of a general purpose computer, a special purpose computer, or other programmable risk assessment device, so that when the program code is executed by the processor or controller, the functions / operations specified in the flow chart and / or block diagram are implemented. The program code may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.
[0148] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
[0149] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).
[0150] The systems and techniques described herein can be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), the Internet, and a blockchain network.
[0151] A computer system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The relationship between the client and the server is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services ("Virtual Private Server", or "VPS" for short). The server may also be a server of a distributed system, or a server combined with a blockchain.
[0152] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps recorded in this disclosure can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solutions disclosed in this disclosure can be achieved, and this document does not limit this.
[0153] The above specific implementations do not constitute a limitation on the protection scope of the present disclosure. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present disclosure shall be included in the protection scope of the present disclosure.
Claims
1. A risk assessment method, characterized in that: include: When receiving the target instruction, acquiring the target object in the target image through the augmented reality (AR) camera device; Acquiring first damage information corresponding to the target object; According to the first damage information corresponding to the target object, a risk assessment model is used to perform risk assessment on the target object to obtain a risk assessment result corresponding to the target object.
2. The method according to claim 1, characterized in that The step of obtaining first damage information corresponding to the target object includes: Acquire application information corresponding to the target instruction, wherein the application information includes at least one of user information, second damaged information, and a risk report number; When the application information meets the information requirements, first damage information corresponding to the target object is obtained.
3. The method according to claim 2, characterized in that The step of performing risk assessment on the target object using a risk assessment model according to the first damaged information corresponding to the target object to obtain a risk assessment result corresponding to the target object includes: Acquire object information corresponding to the target object; When the first damaged information and the second damaged information are consistent, performing risk assessment on the target object using a risk assessment model to obtain a risk assessment result corresponding to the target object; When the first damaged information and the second damaged information are inconsistent, issuing damaged prompt information; A damage determination instruction for the damaged prompt information is received, and based on the object information and the damaged information corresponding to the damaged determination instruction, the risk assessment model is used to perform risk assessment on the target object to obtain a risk assessment result corresponding to the target object.
4. The method according to claim 1, characterized in that The obtaining of a risk assessment result corresponding to the target object includes: According to the historical data and the risk type corresponding to the first damaged information, the risk assessment result corresponding to the target object is adjusted to obtain an adjusted risk assessment result.
5. The method according to claim 1, characterized in that The method further comprises: If the risk assessment result meets the claim settlement requirements, sending the risk assessment result to the target terminal; or In the event that the risk assessment result does not meet the claim settlement requirement, a supplementary information prompt message for the target object is issued to redetermine the risk assessment result based on the supplemented information.
6. The method according to claim 1, characterized in that The method further comprises: In the case that the risk assessment result does not meet the result requirement, the data in the risk assessment result that does not meet the data requirement is determined or the risk assessment result is re-determined.
7. The method according to claim 1, characterized in that The method further comprises: Obtaining a risk type corresponding to the first damaged information; Obtain a risk assessment model corresponding to the risk type.
8. A risk assessment device, characterized in that: include: An information acquisition unit, configured to acquire a target object in a target image through an augmented reality (AR) camera device when a target instruction is received; The information acquisition unit is further used to acquire first damage information corresponding to the target object; The risk assessment unit is used to perform risk assessment on the target object using a risk assessment model according to the first damage information corresponding to the target object, and obtain a risk assessment result corresponding to the target object.
9. A network device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the risk assessment method according to any one of claims 1 to 7.
10. A storage medium, when instructions in the storage medium are executed by a processor of a network device, the network device is enabled to execute the risk assessment method according to any one of claims 1 to 7.