Vehicle insurance dangerous case processing method and device and related equipment

Abstract

The invention belongs to the technical field of financial science and technology, provides a vehicle insurance dangerous case processing method and device, computer equipment and a computer readable storage medium, and aims to solve the problem that the vehicle insurance dangerous case cannot be actively monitored in the traditional technology. The method comprises the steps of collecting and obtaining vehicle state information data of a vehicle insurance vehicle based on preset vehicle-mounted monitoring equipment installed on the vehicle insurance vehicle, monitoring a vehicle state corresponding to the vehicle insurance vehicle through an online vehicle model according to the vehicle state information data based on a preset digital twinning mode, and sending the vehicle insurance information to the vehicle insurance vehicle when the vehicle state is monitored to have a dangerous case. According to the method, the dangerous case is processed according to the preset dangerous case processing mode, compared with a traditional passive accident handling mode in the automobile insurance industry, the dangerous case can be actively monitored and processed, and the initiative and timeliness of automobile insurance dangerous case processing are improved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a method, device, computer equipment and computer-readable storage medium for handling motor vehicle insurance risks. Background Art

[0002] In the field of financial technology, in insurance companies, for insurance products, especially auto insurance, the high efficiency of insurance claims and claims is an indicator that customers value. In traditional technology, for auto insurance, when a customer needs to be in danger, he or she generally needs to call the insurance company to inform them before the subsequent insurance claims and claims process can be carried out. However, if the customer is seriously injured in a car accident and cannot make a phone call, the company can only conduct investigations and claims after the customer reports the case. This makes the handling of auto insurance passive, reduces the efficiency of auto insurance claims, and cannot provide customers with efficient and reliable insurance claims services in a timely manner. At the same time, in traditional technology, the auto insurance industry does not have the technology to actively monitor auto insurance risks, and cannot actively monitor auto insurance risks. Summary of the invention

[0003] The present application provides a method, apparatus, computer device and computer-readable storage medium for processing automobile insurance risks, which can solve the technical problem that traditional technologies in the field of financial technology cannot actively monitor automobile insurance risks.

[0004] In the first aspect, the present application provides a method for handling motor insurance risks, including: based on a preset visualization method, constructing an online vehicle model corresponding to the motor insurance customer's insured vehicle; based on a preset vehicle-mounted monitoring device installed on the motor insurance vehicle, collecting and obtaining vehicle status information data of the motor insurance vehicle; based on a preset digital twin method and according to the vehicle status information data, monitoring the vehicle status corresponding to the motor insurance vehicle through the online vehicle model; when it is detected that the vehicle status is in a dangerous situation, handling the dangerous situation according to a preset risk handling method.

[0005] In the second aspect, the present application provides a device for processing a motor insurance risk, including: a construction unit, used to construct an online vehicle model corresponding to the motor insurance customer's insured vehicle based on a preset visualization method; a collection unit, used to collect and obtain vehicle status information data of the insured vehicle based on a preset vehicle-mounted monitoring device installed on the insured vehicle; a monitoring unit, used to monitor the vehicle status corresponding to the insured vehicle through the online vehicle model based on a preset digital twin method and according to the vehicle status information data; a processing unit, used to handle the risk in accordance with a preset risk handling method when it is detected that the vehicle status has a risk.

[0006] In a third aspect, the present application provides a computer device, which includes a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the method for handling the vehicle insurance risk when executing the computer program.

[0007] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor executes the steps of the method for handling the vehicle insurance risk.

[0008] The present application provides a method, device, computer equipment and computer-readable storage medium for handling motor vehicle insurance risks. The method constructs an online vehicle model corresponding to the motor vehicle of the motor vehicle insurance customer based on a preset visualization method, collects and obtains vehicle status information data of the motor vehicle insurance vehicle based on a preset on-board monitoring device installed on the motor vehicle insurance vehicle, monitors the vehicle status corresponding to the motor vehicle insurance vehicle through the online vehicle model based on the vehicle status information data based on a preset digital twin method, and handles the risk according to the preset risk handling method when it is detected that the vehicle status has a risk. Compared with the traditional passive risk-prevention method in the motor vehicle insurance industry, the method starts from the digital twin and integrates visualization technology and Internet of Things technology into the motor vehicle insurance industry. It can actively monitor the motor vehicle insurance in an intuitive visualization way, can monitor the risk of the motor vehicle insurance vehicle in the first time, and actively handle the risk when it is detected that the vehicle status has a risk, thereby improving the initiative and timeliness of motor vehicle insurance risk handling, and improving the timeliness and service quality of the motor insurance business. BRIEF DESCRIPTION OF THE DRAWINGS

[0009] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0010] Figure 1 A flowchart of a method for handling a motor vehicle insurance risk provided in an embodiment of the present application;

[0011] Figure 2 A schematic diagram of a first sub-flow of a method for handling a motor vehicle insurance risk provided in an embodiment of the present application;

[0012] Figure 3 A schematic diagram of a second sub-flow of the method for handling a motor vehicle insurance risk provided in an embodiment of the present application;

[0013] Figure 4 A schematic diagram of the system architecture of a method for handling a motor vehicle insurance risk provided in an embodiment of the present application;

[0014] Figure 5 A schematic block diagram of a device for processing a motor vehicle risk condition provided in an embodiment of the present application;

[0015] Figure 6 A schematic block diagram of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0016] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0017] It should be understood that when used in this specification and the appended claims, the terms "include" and "comprises" indicate the presence of described features, integers, steps, operations, elements and / or components, but do not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or combinations thereof.

[0018] The embodiment of the present application provides a method for handling auto insurance risks, which can be applied to but not limited to computer devices such as laptops, desktop computers, servers, etc., and can be used in the field of financial technology, including but not limited to the handling of auto insurance risks.

[0019] Faced with the technical problem that traditional technologies in the field of financial technology cannot actively monitor auto insurance risks, the inventor proposes a method for handling auto insurance risks in the embodiment of the present application. The core idea of ​​the embodiment of the present application is: for auto insurance customers, on-board sensors are installed on the auto insurance customer's vehicle, and based on the on-board sensors, the vehicle status information of the vehicle is collected. Using digital twin technology, the vehicle status of the auto insurance customer is actively monitored in real time according to the collected vehicle status information. When problems are detected in the auto insurance customer's vehicle, such as an accident involving the auto insurance customer's vehicle and other auto insurance risks, timely handling of vehicle risks including but not limited to auto insurance inspections is carried out, thereby taking an active position in the handling of auto insurance, and being able to provide auto insurance customers with various value-added services including but not limited to auto insurance claims throughout the life cycle of the vehicle while insured, and being able to improve the service efficiency and quality of auto insurance processing through online technology.

[0020] Some embodiments of the present application are described in detail below in conjunction with the accompanying drawings. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0021] See also Figure 1 , Figure 1 A flowchart of a method for handling a motor vehicle insurance risk provided in an embodiment of the present application.

[0022] like Figure 1 As shown, in this embodiment, the method includes but is not limited to the following steps S11-S14:

[0023] S11. Based on a preset visualization method, an online vehicle model corresponding to the insured vehicle of the auto insurance customer is constructed.

[0024] Explanatory, the preset visualization method uses visualization technology including but not limited to WebGL (Web Graphics Library), and can be used in conjunction with different maps, cars, house buildings and other models, with the help of the WebGL-based 3D engine - three.js to load the above models, and build an online vehicle model, actual road conditions and surrounding environment corresponding to the insured vehicle of the auto insurance customer, so that the status of the insured vehicle can be viewed in real time on the Web page.

[0025] For example, UI (User Interface) personnel model different types of cars, and then front-end engineers write front-end projects based on WebGL and Three.js (JavaScript API can be called directly to render 2D and 3D graphics in the browser), use GPU for rendering, and display the model on the browser. Then, through the background data, the browser updates the model's position on the map and other monitoring data, such as ambient temperature and humidity, in real time, so that the status of the insured vehicle can be viewed in real time on the web page.

[0026] S12: Based on the preset vehicle-mounted monitoring equipment installed on the insured vehicle, collect and obtain vehicle status information data of the insured vehicle.

[0027] Explanatory, the preset vehicle monitoring equipment includes but is not limited to preset vehicle sensors and vehicle positioning trackers. Among them, the vehicle positioning trackers include but are not limited to GPS (Global Position System, Global Positioning System, Global Satellite Positioning System), Beidou Navigation Satellite System (Beidou Navigation Satellite System, abbreviated as: BDS, also known as: COMPASS, Chinese transliteration name: BeiDou).

[0028] The vehicle-mounted sensors are pre-installed on the insured vehicle, i.e., preset vehicle-mounted sensors. The preset vehicle-mounted sensors include but are not limited to temperature sensors, humidity sensors, pressure sensors, and distance sensors. The temperature sensors include but are not limited to different temperature sensors for measuring the temperature of the engine, the temperature of the battery, the temperature of the cab, and the temperature of the motor.

[0029] The above-mentioned preset vehicle-mounted monitoring equipment is used to collect vehicle status information data of the insured vehicle, and the vehicle status information data is uploaded to the server for processing the vehicle insurance risk, and then the vehicle status information data is obtained.

[0030] S13. Based on a preset digital twin method and according to the vehicle status information data, the vehicle status corresponding to the insured vehicle is monitored through the online vehicle model.

[0031] Explanatory speaking, digital twin technology is to simulate and model things in the real world and display them in the virtual space of a computer, which is equivalent to creating a virtual copy of a physical entity in a virtual space. Based on this, based on the preset digital twin method, the insured vehicle and the surrounding environment of the insured vehicle, including but not limited to the location, houses, buildings, roads, etc., can be modeled, thereby creating a virtual copy of the insured vehicle and its surrounding environment, and displaying it in the virtual space of a computer. At the same time, based on the vehicle status information data, the real-time status of the vehicle insurance can be displayed on the online vehicle model, and the vehicle status corresponding to the insured vehicle can also be monitored through the virtual space of the computer.

[0032] S14. When it is detected that the vehicle state is in a dangerous situation, the dangerous situation is handled according to a preset dangerous situation handling method.

[0033] Explanatory, when the vehicle status is monitored to be in danger, the danger is handled according to the preset danger handling method. Exemplarily, the temperature or location data of the sensor can be used to confirm which insured vehicle is in danger. When the insured vehicle is monitored to be in danger, the insured vehicle is proactively investigated according to the insured vehicle handling process. For example, when the vehicle is monitored to have abnormal temperature, humidity or pressure, the insured vehicle is proactively investigated, or the abnormal temperature, humidity or pressure is notified to the insured vehicle customer through preset reminder methods including but not limited to corporate WeChat, email, APP, etc.

[0034] In the embodiment of the present application, an online vehicle model corresponding to the insured vehicle of the insured vehicle customer is constructed based on a preset visualization method, and vehicle status information data of the insured vehicle is collected and obtained based on the preset vehicle-mounted monitoring equipment installed on the insured vehicle. Based on the preset digital twin method, the vehicle status corresponding to the insured vehicle is monitored through the online vehicle model according to the vehicle status information data. When a dangerous situation is detected in the vehicle status, the dangerous situation is handled according to the preset dangerous situation handling method. Thus, starting from the digital twin, visualization technology and Internet of Things technology are integrated into the auto insurance industry, and the insured vehicle can be actively monitored intuitively through a visualization method, and the dangerous situation of the insured vehicle can be monitored at the first time. When a dangerous situation is detected in the vehicle status, the dangerous situation is actively handled. Compared with the traditional passive risk-incurring method in the auto insurance industry, based on financial technology, the technical content of the auto insurance business processing is improved, the technical and technological transformation of the financial business is realized, and the development of the financial business is promoted with the help of technology. At the same time, the traditional passive risk-incurring method is converted into an active processing method of active monitoring and active risk-incurring, which improves the initiative and timeliness of the risk-incurring processing of the auto insurance, and improves the timeliness and service quality of the auto insurance business.

[0035] In one embodiment, when it is detected that the vehicle state is in a dangerous situation, the dangerous situation is handled according to a preset dangerous situation handling method, including:

[0036] When it is detected that the vehicle is in a dangerous condition, an alarm is issued to inspect the insured vehicle.

[0037] Explanatoryly, when it is detected that the vehicle state is in a dangerous condition, for example, when the insured vehicle is in a dangerous condition including but not limited to collision, combustion, rollover, etc., an alarm is issued to inspect the insured vehicle.

[0038] For example, in the event of a fire in an insured vehicle, multiple temperature sensors of the insured vehicle will have high temperatures. When the temperature collected by the temperature sensors determines that a fire has occurred in the insured vehicle, the insurance company is required to conduct an inspection and make a claim based on the inspection results.

[0039] In the embodiment of the present application, by issuing an alarm for the insured vehicle to be inspected when a dangerous condition is detected in the vehicle status, it is possible to start from the digital twin and integrate visualization technology and Internet of Things technology into the auto insurance industry. With the help of Internet of Things technology and visualization technology, the insured vehicle can be actively monitored intuitively in a visualized manner, and when a dangerous condition is detected in the vehicle status, an alarm for the insured vehicle to be inspected is issued, and then the inspectors can actively inspect the insured vehicle. Compared with the traditional passive insurance method in the auto insurance industry, it is not only based on financial technology, but also improves the technical content of the auto insurance business, realizes the technical and scientific transformation of the financial business, and promotes the development of the financial business with the help of technology. At the same time, it converts the traditional passive insurance method into an active monitoring and active insurance processing method, which improves the initiative and timeliness of insurance risk processing, improves the timeliness of insurance inspection and claims, and improves the after-sales service quality of auto insurance.

[0040] In one embodiment, issuing an alert for inspecting the insured vehicle includes:

[0041] Based on a preset vehicle insurance vehicle positioning method, obtaining the position of the vehicle insurance;

[0042] Include the location in the content of the alert.

[0043] Explanatoryly, based on the preset auto insurance vehicle positioning method, including but not limited to GPS (Global Position System, Global Positioning System, Global Satellite Positioning System) and Beidou Satellite Navigation System, the location of the auto insurance vehicle is obtained, the location is included in the content of the alarm, and the location of the auto insurance vehicle is notified to the auto insurance risk surveyor, so that the surveyor can conduct a timely survey based on the location of the auto insurance vehicle.

[0044] Furthermore, when an alarm is issued for the inspection of the insured vehicle, an order is automatically dispatched in the claims system to realize automatic processing of the inspection and dispatch, which can improve the real-time, proactive and automatic processing of the motor insurance risk.

[0045] The embodiment of the present application realizes the positioning and tracking of the insured vehicle through the vehicle-mounted positioning and Internet of Things connection technology, which can improve the initiative and timeliness of the handling of the insured vehicle, and improve the timeliness and service quality of the insured vehicle business.

[0046] In one embodiment, when it is detected that the vehicle state is in a dangerous situation, the dangerous situation is handled according to a preset dangerous situation handling method, including:

[0047] When it is detected that the vehicle is in a temperature abnormality state, the temperature abnormality is notified to the car insurance customer through a preset reminder method.

[0048] Explanatoryly, when the temperature abnormality is monitored in the vehicle status of the vehicle insured, the temperature abnormality will be notified to the auto insurance customer through the preset reminder method corresponding to the channels including but not limited to email, official account, APP, text message, etc., so that the auto insurance customer can deal with it in time. Especially in the case that there is no need for insurance, it can help users discover problems and prevent them before they happen, thereby improving the value-added services of auto insurance, reducing the risk of claims, which is conducive to increasing the stickiness of auto insurance customers and promoting the development of auto insurance business.

[0049] In the embodiment of the present application, when abnormal temperature is detected in the vehicle status, the temperature abnormality is notified to the auto insurance customer through a preset reminder. The auto insurance customer can take the initiative in the entire process of auto insurance claims for the auto insurance vehicle, including daily monitoring and maintenance during insurance. The auto insurance customer can fully understand the daily status of the auto insurance vehicle during the entire life cycle of the insurance, which can improve the initiative and timeliness of auto insurance risk handling, improve the timeliness and service quality of the auto insurance business, and realize the transformation of basic insurance products of auto insurance into value-added services, use financial technology to increase value-added services, and improve the business level of auto insurance.

[0050] In one embodiment, see Figure 2 , Figure 2 This is a schematic diagram of the first sub-flow of the method for handling the car insurance risk provided in the embodiment of the present application. Figure 2 As shown, in this embodiment, when the vehicle state is detected to have abnormal temperature, the following steps are included:

[0051] S21, obtaining the temperature corresponding to the preset temperature sensor included in the vehicle status information data;

[0052] S22, determining whether the temperature is greater than or equal to a preset temperature threshold;

[0053] S23, when the temperature is lower than the preset temperature threshold, the number of times that the temperature corresponding to the preset temperature sensor is greater than or equal to the preset temperature threshold within the preset first time period is not counted;

[0054] S24, when the temperature is greater than or equal to a preset temperature threshold, counting the number of times that the temperature corresponding to the preset temperature sensor is greater than or equal to the preset temperature threshold within a preset first time period;

[0055] S25, determining whether the number of times is greater than or equal to a preset number threshold;

[0056] S26, when the number of times is greater than or equal to a preset number threshold, determining that the vehicle state has a temperature abnormality;

[0057] S27: When the number of times is less than a preset number threshold, determine that the vehicle state has no temperature abnormality.

[0058] Explanatory, the temperature corresponding to the preset temperature sensor included in the vehicle status information data is obtained, and it is determined whether the temperature is greater than or equal to the preset temperature threshold. If the temperature is less than the preset temperature threshold, the number of times the temperature corresponding to the preset temperature sensor is greater than or equal to the preset temperature threshold in the preset first time period is not counted. If the temperature is greater than or equal to the preset temperature threshold, the number of times the temperature corresponding to the preset temperature sensor is greater than or equal to the preset temperature threshold in the preset first time period is counted, and then it is determined whether the number is greater than or equal to the preset number threshold. If the number is greater than or equal to the preset number threshold, it is determined that the vehicle state has a temperature abnormality. If the number is less than the preset number threshold, it is determined that the vehicle state has no temperature abnormality. Among them, the setting of the preset number threshold is set according to the actual temperature of the vehicle part corresponding to the preset temperature sensor and the condition of the part. For example, for a gasoline engine, if the temperature of the gasoline engine exceeds 105 degrees Celsius once, it indicates that the gasoline engine needs to be repaired or replaced with parts to prevent the gasoline engine from being continuously higher than 105 degrees Celsius in the future, resulting in complete damage to the engine. For other vehicle parts such as water tanks, occasional excessive temperature may not have much impact, unless the temperature is frequently too high, it needs to be repaired and maintained.

[0059] For example, the normal operating temperature of a gasoline engine is 80 degrees Celsius to 105 degrees Celsius, and the temperature of a gasoline engine when not working tends to the ambient temperature. If, by monitoring the temperature of the gasoline engine of the insured vehicle, it is found that the temperature of the gasoline engine exceeds 105 degrees Celsius or is lower than the ambient temperature, and this condition occurs frequently within a preset section, it is determined that the vehicle status has a temperature abnormality, and the vehicle customer needs to be reminded to inspect or maintain the insured vehicle to prevent the gasoline engine from continuing to be higher than 105 degrees Celsius or lower than the ambient temperature, resulting in complete damage to the engine, thereby avoiding greater vehicle accidents and losses, thereby increasing the value-added services of auto insurance and avoiding greater claims losses for auto insurance claims.

[0060] In the embodiment of the present application, by setting a preset temperature threshold and a preset number threshold, it is possible to monitor whether the vehicle status is abnormal through temperature monitoring, and the vehicle status can be monitored in real time according to the temperature, and the accuracy of monitoring the vehicle status can be improved. Therefore, with the help of Internet of Things technology and visualization technology, the insured vehicle can be actively monitored in real time in a visual manner, and problems with the vehicle can be discovered and solved in time, and problems can be prevented before they occur. The traditional passive risk-incurring method is converted into an active monitoring and active processing method, which improves the initiative and timeliness of risk handling of motor insurance, increases the value-added services of motor insurance, and improves the service quality of motor insurance.

[0061] In one embodiment, when the vehicle is detected to have abnormal temperature, the vehicle insurance customer is notified of the abnormal temperature through a preset reminder method, including:

[0062] The vehicle part corresponding to the temperature anomaly is obtained, and the vehicle insurance customer is notified of the temperature anomaly and the vehicle part.

[0063] Explanatory, the vehicle part corresponding to the temperature anomaly is obtained, and the temperature anomaly and the vehicle part are notified to the auto insurance customer. Exemplarily, corresponding temperature sensors are set in different parts of the vehicle, such as the engine, battery, cab, and motor, to monitor the temperature of the engine, the temperature of the battery, the temperature of the cab, and the temperature of the motor. Therefore, according to the temperature of the corresponding sensor, when the temperature anomaly occurs, it can be determined which vehicle part of the auto insurance vehicle has a problem, and the temperature anomaly and the vehicle part are notified to the auto insurance customer, so that the auto insurance customer can handle the fault of the corresponding vehicle part and repair the corresponding vehicle, so that the auto insurance customer can accurately locate the problem and repair the fault in time, so as to realize the transformation of the basic insurance product of auto insurance into value-added service, increase the value-added service with financial technology, increase the service content of auto insurance, and improve the service level of auto insurance.

[0064] The embodiment of the present application obtains the vehicle part corresponding to the temperature abnormality and notifies the auto insurance customer of the temperature abnormality and the vehicle part, thereby achieving the accuracy of monitoring the fault part of the auto insurance vehicle, improving the initiative and timeliness of auto insurance vehicle fault repair, realizing the transformation of the basic insurance product of auto insurance into a value-added service, using financial technology to increase value-added services, increasing the service content of auto insurance, and improving the service level of auto insurance.

[0065] In one embodiment, after monitoring the vehicle status corresponding to the insured vehicle through the online vehicle model, the method further includes:

[0066] Obtaining the activity trajectory of the insured vehicle in a preset second time period;

[0067] Predicting the behavior tendency of the insured vehicle according to the activity trajectory;

[0068] Based on the behavioral tendency, a preset service is pushed to the auto insurance customer.

[0069] Explanatory, based on the vehicle-mounted positioning tracker including but not limited to GPS and Beidou satellite navigation system, according to the location tracking of the insured vehicle, the activity track of the insured vehicle within a certain time period is obtained, and the behavior tendency of the insured vehicle is predicted according to the activity track, and the preset service is pushed to the insured customer according to the behavior tendency. Among them, the second in the preset second time period is only used to distinguish different time periods, not to limit the time period, and the others are similar.

[0070] For example, based on the on-board positioning tracker to track the position of the insured vehicle and analyze the position, it is found that within the set time, the insured vehicle often goes to the construction site. Free car wash services or car wash coupons can be pushed to the insurance customer. Assuming that the insurance customer often travels long distances, value-added services of the insurance business such as gas coupons and car maintenance services can be pushed to the insurance customer, which increases the stickiness of the insurance customer and helps to promote the development of the insurance business.

[0071] The embodiments of the present application obtain the activity trajectory of the auto insurance vehicle within a certain period of time, predict the behavioral tendency of the auto insurance vehicle based on the activity trajectory, and push preset services to the auto insurance customers based on the behavioral tendency. Based on the digital twin approach, visualization technology and Internet of Things technology are integrated into the auto insurance industry. Customized services are provided to auto insurance customers based on the analysis of the activity trajectory of the auto insurance vehicle. The customized provision of value-added services can improve the service quality of the auto insurance business and increase the stickiness of auto insurance customers, which is conducive to improving the service and value of auto insurance through financial technology.

[0072] In one embodiment, see Figure 3 and Figure 4 , Figure 3 This is a schematic diagram of a second sub-flow of the method for handling a car insurance risk provided in an embodiment of the present application. Figure 4 A schematic diagram of the system architecture of the method for handling vehicle insurance risks provided in the embodiment of the present application. Figure 3 and Figure 4 As shown, in this embodiment, based on the preset vehicle-mounted monitoring equipment installed on the insured vehicle, the vehicle status information data of the insured vehicle is collected and obtained, including:

[0073] S31, collecting vehicle status information data of the insured vehicle based on a preset vehicle-mounted monitoring device installed on the insured vehicle;

[0074] S32, based on the Internet of Things, transmitting the vehicle status information data to a preset Internet of Things platform;

[0075] S33, transferring the vehicle status information data from the preset Internet of Things platform to a preset server;

[0076] S34. Acquire the vehicle status information data from the preset server to obtain the vehicle status information data.

[0077] Explanatory, such as Figure 4 As shown, the preset vehicle-mounted monitoring device is connected to the cloud platform, the cloud platform is connected to the business server, and the server is connected to the front end, and the vehicle insurance risk provided by the embodiment of the present application can be processed at the front end.

[0078] For details, please continue to see Figure 4Based on the preset on-board monitoring device installed on the insured vehicle, the vehicle status information data of the insured vehicle is collected. The sensor used by the preset on-board monitoring device will be equipped with a microprocessor responsible for processing the collected data. Then, when the preset on-board monitoring device is connected to the cloud platform through but not limited to MQTT (Message Queuing Telemetry Transport), the original vehicle status information data collected by the preset on-board monitoring device is reported to the cloud platform through a wireless network. Here, it is necessary to create a preset on-board monitoring device in the cloud platform in advance, so that the vehicle status information data can be transmitted to the preset Internet of Things platform based on the Internet of Things. The original vehicle status information data is processed on the cloud platform through a pre-configured rule engine. For the processed data, based on the Advanced Message Queuing Protocol (AMQP), according to the preset flow rules, the vehicle status information data is transferred from the preset Internet of Things platform to the preset server, and can be stored in the database of the preset server, and then the vehicle status information data is obtained from the preset server to obtain the vehicle status information data.

[0079] The embodiment of the present application collects vehicle status information data of the insured vehicle through preset on-board monitoring equipment installed on the insured vehicle, transmits the vehicle status information data to a preset Internet of Things platform based on the Internet of Things, transfers the vehicle status information data from the preset Internet of Things platform to a preset server, obtains the vehicle status information data from the preset server, and obtains the vehicle status information data, thereby starting from the digital twin, integrating visualization technology and Internet of Things technology into the auto insurance industry, realizing the collection and transmission of vehicle status information data, and further realizing active monitoring of the insured vehicle intuitively in a visualized manner, which not only improves financial technology, improves the technical content of the auto insurance business, realizes the technical and scientific transformation of the financial business, and promotes the development of the financial business with the help of technology, but also transforms the traditional passive risk-incurring method into an active monitoring and active risk-incurring active processing method, thereby improving the initiative and timeliness of auto insurance risk-incurring processing, and improving the timeliness and service quality of the auto insurance business.

[0080] It should be noted that the methods for handling vehicle insurance risks described in the above embodiments can recombine the technical features contained in different embodiments as needed to obtain a combined implementation plan, but they are all within the scope of protection required by this application.

[0081] See also Figure 5 , Figure 5 A schematic block diagram of a vehicle insurance risk processing device provided in an embodiment of the present application. Corresponding to the above-mentioned vehicle insurance risk processing method, an embodiment of the present application also provides a vehicle insurance risk processing device. Figure 5As shown, the vehicle risk processing device includes a unit for executing the above-mentioned vehicle risk processing method, and the vehicle risk processing device can be configured in a computer device. Figure 5 The vehicle risk processing device 50 includes a construction unit 51, a collection unit 52, a monitoring unit 53 and a processing unit 54.

[0082] The construction unit 51 is used to construct an online vehicle model corresponding to the insured vehicle of the auto insurance customer based on a preset visualization method;

[0083] A collection unit 52, configured to collect and obtain vehicle status information data of the insured vehicle based on a preset vehicle-mounted monitoring device installed on the insured vehicle;

[0084] A monitoring unit 53, configured to monitor the vehicle state corresponding to the insured vehicle through the online vehicle model based on a preset digital twin method and according to the vehicle state information data;

[0085] The processing unit 54 is used to process the dangerous situation according to a preset dangerous situation processing method when it is detected that the vehicle state is in a dangerous situation.

[0086] In one embodiment, the processing unit 54 is used to issue an alarm to inspect the insured vehicle when it is detected that the vehicle is in a dangerous state.

[0087] In one embodiment, the processing unit 54 is used to notify the car insurance customer of the temperature abnormality through a preset reminder method when detecting that the vehicle status has a temperature abnormality.

[0088] In one embodiment, the processing unit 54 includes:

[0089] A first acquisition subunit, used to acquire the temperature corresponding to the preset temperature sensor included in the vehicle status information data;

[0090] A first judging subunit, used to judge whether the temperature is greater than or equal to a preset temperature threshold;

[0091] a counting subunit, for counting the number of times the temperature corresponding to the preset temperature sensor is greater than or equal to the preset temperature threshold within a preset first time period when the temperature is greater than or equal to the preset temperature threshold;

[0092] A second judging subunit is used to judge whether the number is greater than or equal to a preset number threshold;

[0093] The determination subunit is used to determine that the vehicle state has a temperature abnormality when the number of times is greater than or equal to a preset number threshold.

[0094] In one embodiment, the processing unit 54 is used to obtain the vehicle part corresponding to the temperature anomaly, and notify the car insurance customer of the temperature anomaly and the vehicle part.

[0095] In one embodiment, the vehicle risk processing device 50 further includes:

[0096] An acquisition unit, used for acquiring the activity track of the insured vehicle in a preset second time period;

[0097] A prediction unit, used to predict the behavior tendency of the insured vehicle according to the activity trajectory;

[0098] A push unit is used to push preset services to the auto insurance customer according to the behavioral tendency.

[0099] In one embodiment, the acquisition unit 52 includes:

[0100] A collection subunit, used to collect vehicle status information data of the insured vehicle based on a preset vehicle-mounted monitoring device installed on the insured vehicle;

[0101] A transmission subunit, used for transmitting the vehicle status information data to a preset Internet of Things platform based on the Internet of Things;

[0102] A streaming sub-unit, used for streaming the vehicle status information data from the preset Internet of Things platform to a preset server;

[0103] The second acquisition subunit is used to acquire the vehicle status information data from the preset server to obtain the vehicle status information data.

[0104] It should be noted that those skilled in the art can clearly understand that the specific implementation process of the above-mentioned vehicle insurance risk processing device and each unit can refer to the corresponding description in the aforementioned method embodiment, and for the convenience and brevity of description, it will not be repeated here.

[0105] At the same time, the division and connection method of each unit in the above-mentioned vehicle insurance risk processing device is only used for illustration. In other embodiments, the vehicle insurance risk processing device can be divided into different units as needed, and the units in the vehicle insurance risk processing device can also be connected in different orders and methods to complete all or part of the functions of the above-mentioned vehicle insurance risk processing device.

[0106] The above-mentioned vehicle risk processing device can be implemented in the form of a computer program. The computer program can be used in Figure 6 Runs on the computer device shown.

[0107] See also Figure 6 , Figure 6 600 is a schematic block diagram of a computer device provided in an embodiment of the present application. The computer device 600 may be a computer device such as a desktop computer or a server, or may be a component or part in other devices.

[0108] See also Figure 6 The computer device 600 includes a processor 602, a memory and a network interface 605 connected via a system bus 601, wherein the memory may include a non-volatile storage medium 603 and an internal memory 604, and the memory may also be a volatile storage medium.

[0109] The non-volatile storage medium 603 can store an operating system 6031 and a computer program 6032. When the computer program 6032 is executed, the processor 602 can execute a method for processing the above-mentioned vehicle insurance risk.

[0110] The processor 602 is used to provide computing and control capabilities to support the operation of the entire computer device 600 .

[0111] The internal memory 604 provides an environment for the operation of the computer program 6032 in the non-volatile storage medium 603. When the computer program 6032 is executed by the processor 602, the processor 602 can execute a method for processing the above-mentioned vehicle insurance risk.

[0112] The network interface 605 is used to communicate with other devices over the network. Figure 6 The structure shown in the figure is only a block diagram of a part of the structure related to the present application solution, and does not constitute a limitation on the computer device 600 to which the present application solution is applied. The specific computer device 600 may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components. For example, in some embodiments, the computer device may only include a memory and a processor. In such an embodiment, the structure and function of the memory and the processor are the same as those of the present application solution. Figure 6 The embodiments shown are consistent and will not be described again here.

[0113] Among them, the processor 602 is used to run the computer program 6032 stored in the memory to implement the following steps: based on a preset visualization method, construct an online vehicle model corresponding to the insured vehicle of the insured customer; based on a preset vehicle-mounted monitoring device installed on the insured vehicle, collect and obtain vehicle status information data of the insured vehicle; based on a preset digital twin method and according to the vehicle status information data, monitor the vehicle status corresponding to the insured vehicle through the online vehicle model; when it is detected that the vehicle status is in danger, handle the danger according to a preset danger handling method.

[0114] In one embodiment, when the processor 602 detects that the vehicle state is in a dangerous situation and processes the dangerous situation according to a preset dangerous situation processing method, the processor 602 specifically implements the following steps:

[0115] When it is detected that the vehicle is in a dangerous condition, an alarm is issued to inspect the insured vehicle.

[0116] In one embodiment, when the processor 602 detects that the vehicle state is in a dangerous situation and processes the dangerous situation according to a preset dangerous situation processing method, the processor 602 specifically implements the following steps:

[0117] When it is detected that the vehicle is in a temperature abnormality state, the temperature abnormality is notified to the car insurance customer through a preset reminder method.

[0118] In one embodiment, when the processor 602 detects that the vehicle state has a temperature abnormality, the processor 602 specifically implements the following steps:

[0119] Acquire the temperature corresponding to the preset temperature sensor included in the vehicle status information data;

[0120] Determining whether the temperature is greater than or equal to a preset temperature threshold;

[0121] When the temperature is greater than or equal to a preset temperature threshold, counting the number of times that the temperature corresponding to the preset temperature sensor is greater than or equal to the preset temperature threshold within a preset first time period;

[0122] Determine whether the number is greater than or equal to a preset number threshold;

[0123] When the number of times is greater than or equal to a preset number threshold, it is determined that the vehicle state has a temperature abnormality.

[0124] In one embodiment, when the processor 602 detects that the vehicle has a temperature abnormality, and notifies the vehicle insurance customer of the temperature abnormality through a preset reminder method, the processor 602 specifically implements the following steps:

[0125] The vehicle part corresponding to the temperature anomaly is obtained, and the vehicle insurance customer is notified of the temperature anomaly and the vehicle part.

[0126] In one embodiment, after the processor 602 monitors the vehicle status corresponding to the insured vehicle through the online vehicle model, it further implements the following steps:

[0127] Obtaining the activity trajectory of the insured vehicle in a preset second time period;

[0128] Predicting the behavior tendency of the insured vehicle according to the activity trajectory;

[0129] Based on the behavioral tendency, a preset service is pushed to the auto insurance customer.

[0130] In one embodiment, the processor 602 implements the following steps when collecting and acquiring the vehicle status information data of the insured vehicle based on the preset vehicle-mounted monitoring device installed on the insured vehicle:

[0131] Based on the preset vehicle-mounted monitoring equipment installed on the insured vehicle, collecting vehicle status information data of the insured vehicle;

[0132] Based on the Internet of Things, the vehicle status information data is transmitted to a preset Internet of Things platform;

[0133] Transferring the vehicle status information data from the preset Internet of Things platform to a preset server;

[0134] The vehicle status information data is obtained by acquiring the vehicle status information data from the preset server.

[0135] It should be understood that in the embodiment of the present application, the processor 602 may be a central processing unit (CPU), and the processor 602 may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0136] Those skilled in the art will appreciate that all or part of the processes in the method for implementing the above embodiment can be completed by a computer program, which can be stored in a computer-readable storage medium. The computer program is executed by at least one processor in the computer system to implement the process steps of the embodiment of the above method.

[0137] Therefore, the present application also provides a computer-readable storage medium. The computer-readable storage medium may be a non-volatile computer-readable storage medium or a volatile computer-readable storage medium, and the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor executes the following steps:

[0138] A computer program product, when running on a computer, enables the computer to execute the steps of the method for handling the vehicle risk described in the above embodiments.

[0139] The computer-readable storage medium may be an internal storage unit of the aforementioned device, such as a hard disk or memory of the device. The computer-readable storage medium may also be an external storage device of the device, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the device. Furthermore, the computer-readable storage medium may also include both an internal storage unit of the device and an external storage device.

[0140] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described equipment, devices and units can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0141] The storage medium is a physical, non-transient storage medium, for example, it can be a USB flash drive, a mobile hard disk, a read-only memory (ROM), a magnetic disk or an optical disk, etc., which can store computer programs.

[0142] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0143] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of each unit is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed.

[0144] The steps in the method of the embodiment of the present application can be adjusted in order, combined and deleted according to actual needs. The units in the device of the embodiment of the present application can be combined, divided and deleted according to actual needs. In addition, the functional units in the various embodiments of the present application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0145] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for an electronic device (which can be a personal computer, terminal, or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application.

[0146] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A method for handling a motor vehicle risk, characterized in that: include: Based on the preset visualization method, build an online vehicle model corresponding to the insured vehicle of the auto insurance customer; Based on the preset vehicle-mounted monitoring equipment installed on the insured vehicle, collecting and obtaining vehicle status information data of the insured vehicle; Based on a preset digital twin method and according to the vehicle status information data, the vehicle status corresponding to the insured vehicle is monitored through the online vehicle model; When it is detected that the vehicle state is in a dangerous situation, the dangerous situation is handled according to a preset dangerous situation handling method.

2. The method for handling vehicle risk according to claim 1, characterized in that: When the vehicle state is detected to be in a dangerous condition, the dangerous condition is handled according to a preset dangerous condition handling method, including: When it is detected that the vehicle is in a dangerous condition, an alarm is issued to inspect the insured vehicle.

3. The method for handling vehicle risk according to claim 1, characterized in that: When the vehicle state is detected to be in a dangerous condition, the dangerous condition is handled according to a preset dangerous condition handling method, including: When it is detected that the vehicle is in a temperature abnormality state, the temperature abnormality is notified to the car insurance customer through a preset reminder method.

4. The method for handling vehicle risk according to claim 3, characterized in that: When the vehicle status is detected to have abnormal temperature, the following steps are performed: Acquire the temperature corresponding to the preset temperature sensor included in the vehicle status information data; Determining whether the temperature is greater than or equal to a preset temperature threshold; When the temperature is greater than or equal to a preset temperature threshold, counting the number of times that the temperature corresponding to the preset temperature sensor is greater than or equal to the preset temperature threshold within a preset first time period; Determine whether the number is greater than or equal to a preset number threshold; When the number of times is greater than or equal to a preset number threshold, it is determined that the vehicle state has a temperature abnormality.

5. The method for handling vehicle risk according to claim 3 or 4, characterized in that: When the vehicle is detected to have abnormal temperature, the vehicle insurance customer is notified of the abnormal temperature through a preset reminder method, including: The vehicle part corresponding to the temperature anomaly is obtained, and the vehicle insurance customer is notified of the temperature anomaly and the vehicle part.

6. The method for handling vehicle risk according to claim 1, characterized in that: After the vehicle status corresponding to the insured vehicle is monitored by the online vehicle model, the method further includes: Obtaining the activity trajectory of the insured vehicle in a preset second time period; Predicting the behavior tendency of the insured vehicle according to the activity trajectory; Based on the behavioral tendency, a preset service is pushed to the auto insurance customer.

7. The method for handling vehicle risk according to claim 1, characterized in that: Based on the preset vehicle-mounted monitoring equipment installed on the insured vehicle, the vehicle status information data of the insured vehicle is collected and obtained, including: Based on the preset vehicle-mounted monitoring equipment installed on the insured vehicle, collecting vehicle status information data of the insured vehicle; Based on the Internet of Things, the vehicle status information data is transmitted to a preset Internet of Things platform; Transferring the vehicle status information data from the preset Internet of Things platform to a preset server; The vehicle status information data is obtained by acquiring the vehicle status information data from the preset server.

8. A device for handling vehicle risk, characterized in that: include: A construction unit, used for constructing an online vehicle model corresponding to the insured vehicle of the auto insurance customer based on a preset visualization method; A collection unit, used to collect and obtain vehicle status information data of the insured vehicle based on a preset vehicle-mounted monitoring device installed on the insured vehicle; A monitoring unit, configured to monitor the vehicle status corresponding to the insured vehicle through the online vehicle model based on a preset digital twin method and according to the vehicle status information data; The processing unit is used to handle the dangerous situation according to a preset dangerous situation handling method when it is detected that the vehicle state is in a dangerous situation.

9. A computer device, characterized in that: The computer device comprises a memory and a processor connected to the memory; the memory is used to store a computer program; the processor is used to run the computer program to execute the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 can be implemented.

Images