Car insurance claim settlement processing method and device, computer equipment and readable storage medium

Abstract

The invention discloses a vehicle insurance claim settlement processing method and device, computer equipment and a readable storage medium. The method comprises the following steps: firstly, obtaining case risk factor data, accident loss risk factor data and image risk factors of a to-be-processed vehicle association claim settlement task; performing preliminary assessment according to the risk factor data to obtain a preliminary claim assessment result; third-party risk factor data are obtained, the preliminary claim settlement evaluation result is optimized according to the data, and finally a target claim settlement evaluation result is obtained. According to the method, comprehensive and accurate evaluation of the car insurance claim settlement task is realized by combining various risk factor data, and the claim settlement efficiency and accuracy are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of auto insurance risk control management, and in particular to an auto insurance claims processing method, apparatus, computer equipment, and readable storage medium. Background Art

[0002] Traditional auto insurance claims processing methods typically assess the case's risk factors, such as the accident circumstances and extent of loss, and then determine the claim amount. However, this approach fails to consider a wider range of risk factors, potentially leading to biased claims assessment results. Furthermore, traditional methods often lack effective optimization mechanisms, making it impossible to fine-tune initial assessment results, further impacting the accuracy of claims settlements. Therefore, incorporating more comprehensive risk factor data and effectively optimizing claims assessments have become pressing challenges in the auto insurance claims processing field. Summary of the Invention

[0003] The object of the present invention is to provide a method, apparatus, computer equipment and readable storage medium for processing automobile insurance claims.

[0004] In a first aspect, an embodiment of the present invention provides a method for processing a motor vehicle insurance claim, comprising:

[0005] Obtain case risk factor data, accident loss risk factor data, and image risk factor data for pending vehicle-linked claims tasks;

[0006] Performing a preliminary assessment based on the case risk factor data, the accident loss risk factor data, and the image risk factor to obtain a preliminary claim assessment result for the pending vehicle-linked claim task;

[0007] Obtain third-party risk factor data for the pending vehicle-linked claims task, and optimize the preliminary claims assessment result based on the third-party risk factor data to obtain a target claims assessment result.

[0008] In a possible implementation, performing a preliminary assessment based on the case risk factor data, the accident loss risk factor data, and the image risk factor to obtain a preliminary claim assessment result for the pending vehicle-linked claim task includes:

[0009] Inputting the case risk factor data, the accident loss risk factor data, and the image risk factor into the auto insurance claim model to obtain the corresponding vehicle basic loss situation and preliminary risk points;

[0010] The basic loss situation of the vehicle and the preliminary risk points are used as the preliminary claim assessment results.

[0011] In one possible implementation, obtaining third-party risk factor data for the pending vehicle-linked claims task and optimizing the preliminary claims assessment result based on the third-party risk factor data to obtain a target claims assessment result includes:

[0012] Obtaining the third-party risk factor data from a pre-built third-party management platform;

[0013] Performing a secondary determination on the basic loss situation of the vehicle and the preliminary risk points based on the third-party risk factor data to obtain an optimized basic loss situation of the vehicle and an optimized risk point;

[0014] The optimized basic loss situation of the vehicle and the optimized risk points are used as the target claim assessment results.

[0015] In a possible implementation, the third-party management platform includes a scheduling unit, an interface unit, an interaction unit, and an output management unit;

[0016] The obtaining of the third-party risk factor data from a pre-built third-party management platform includes:

[0017] The scheduling unit determines the multi-dimensional motor insurance claim case data corresponding to the pending vehicle insurance claim task;

[0018] The interface unit determines the vehicle claim settlement related data corresponding to the pending vehicle claim settlement task;

[0019] The interaction unit and the output management unit cooperate to integrate the multi-dimensional vehicle insurance claim case data and the vehicle claim related data into the third-party risk factor data.

[0020] In a possible implementation, the scheduling unit determines the multi-dimensional vehicle insurance claim case data corresponding to the pending vehicle insurance claim task, including:

[0021] The scheduling unit determines company-level data, organization-level data, task-link-level data, and task-condition-level data corresponding to the pending vehicle-linked claims settlement task; wherein the organization-level data includes branch company data and sub-branch company data; the task-link-level data includes damage assessment data, price verification data, and damage verification data; and the task-condition-level data includes replacement task data, external repair task data, brand range data, price plan data, and repair shop-related data;

[0022] The company-level data, the organization-level data, the task link-level data, and the task condition-level data are used as the multi-dimensional auto insurance claim case data.

[0023] In one possible implementation, the interface unit includes a vehicle type identification interface, a data rule interface, an accessories price rule interface, an external repair price rule interface, a damage inquiry interface, a property damage interface, a repair shop standard database, an accessories price database, a labor price database, and a local accessories merchant accessories database. The vehicle claim-related data corresponding to the pending vehicle-linked claim task determined by the interface unit includes:

[0024] The vehicle type identification interface determines the vehicle type to be processed corresponding to the pending vehicle-linked claim settlement task;

[0025] The data rule interface determines the pending data rule corresponding to the pending vehicle claim settlement task;

[0026] Determining the pending parts price rule corresponding to the pending vehicle-linked claim settlement task based on the parts price rule;

[0027] Determining the pending external repair price rule corresponding to the pending vehicle-linked claim settlement task by the external repair price rule interface;

[0028] The disability inquiry interface determines the pending disability inquiry result corresponding to the pending vehicle claim settlement task;

[0029] The property damage interface determines the pending property damage result corresponding to the pending vehicle-linked claim settlement task;

[0030] Determining the pending repair shop standard corresponding to the pending vehicle claim settlement task from the repair shop standard database;

[0031] Determining the price of pending parts corresponding to the pending vehicle-linked claim settlement task from the parts price database;

[0032] Determining the pending labor price corresponding to the pending vehicle-linked claim settlement task from the labor price database;

[0033] Determining the pending local parts vendor parts corresponding to the pending vehicle-linked claim settlement task from the local parts vendor parts database;

[0034] The vehicle model to be processed, the data rules to be processed, the accessories price rules to be processed, the external repair price rules to be processed, the damage inquiry results to be processed, the property damage results to be processed, the repair shop standards to be processed, the accessories prices to be processed, the labor hour prices to be processed and the local accessories merchant accessories to be processed are used as the vehicle claim related data.

[0035] In a possible implementation, the third-party management platform further includes a storage unit, a statistics unit, and a contract management unit;

[0036] The method further comprises:

[0037] The storage unit stores the third-party risk factor data and the target claim assessment result as subsequent feedback data;

[0038] The statistical unit performs statistics on the usage of the third-party risk factor data according to a multi-dimensional and time-based model to obtain statistical data;

[0039] The contract management unit customizes the data acquisition cooperation model for the supplier of the third-party management platform.

[0040] In a second aspect, an embodiment of the present invention provides a vehicle insurance claims processing device, comprising:

[0041] The acquisition module is used to obtain case risk factor data, accident loss risk factor data, and image risk factor data for pending vehicle-linked claims tasks;

[0042] A processing module is used to perform a preliminary assessment based on the case risk factor data, the accident loss risk factor data and the image risk factor to obtain a preliminary claim assessment result of the pending vehicle-linked claim task; obtain third-party risk factor data of the pending vehicle-linked claim task, and optimize the preliminary claim assessment result based on the third-party risk factor data to obtain a target claim assessment result.

[0043] In a third aspect, an embodiment of the present invention provides a computer device, comprising a processor and a non-volatile memory storing computer instructions. When the computer instructions are executed by the processor, the computer device executes the motor vehicle insurance claims processing method described in at least one possible implementation of the first aspect.

[0044] In a fourth aspect, an embodiment of the present invention provides a readable storage medium, wherein the readable storage medium includes a computer program, and when the computer program is running, the computer device where the readable storage medium is located is controlled to execute the motor vehicle insurance claim processing method described in at least one possible implementation manner of the first aspect.

[0045] Compared to existing technologies, the present invention offers the following advantages: Using the auto insurance claims processing method, apparatus, computer device, and readable storage medium provided in embodiments of the present invention, the method obtains case risk factor data, accident loss risk factor data, and image risk factor data for pending vehicle-linked claims; performs a preliminary assessment based on this risk factor data to obtain a preliminary claims assessment result; then obtains third-party risk factor data and optimizes the preliminary claims assessment result based on this data, ultimately obtaining a target claims assessment result. By combining multiple risk factor data, this method achieves a comprehensive and accurate assessment of auto insurance claims tasks, improving claims efficiency and accuracy. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] To more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly describes the drawings required for use in the embodiments. It should be understood that the following drawings illustrate only certain embodiments of the present invention and should not be construed as limiting the scope of the present invention. Those skilled in the art can, without inventive effort, derive other relevant drawings from these drawings.

[0047] Figure 1 A schematic diagram of the structure provided by an embodiment of the present invention;

[0048] Figure 2 A schematic diagram of the structure provided by an embodiment of the present invention;

[0049] Figure 3 A schematic diagram of the structure provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0050] To make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the technical solutions of the embodiments of the present invention will be described clearly and completely below in conjunction with the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Generally, the components of the embodiments of the present invention described and shown in the drawings herein can be arranged in various different configurations.

[0051] The specific embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0052] In order to solve the technical problems in the above background technology, Figure 1 This is a flow chart of a method for processing automobile insurance claims provided in an embodiment of the present disclosure. The method for processing automobile insurance claims is introduced in detail below.

[0053] Step S201, obtaining case risk factor data, accident loss risk factor data, and image risk factor data of a pending vehicle-linked claims settlement task;

[0054] Step S202 , performing a preliminary assessment based on the case risk factor data, the accident loss risk factor data, and the image risk factor to obtain a preliminary claim assessment result for the pending vehicle-linked claim task;

[0055] Step S203: Obtain third-party risk factor data of the pending vehicle-linked claim settlement task, and optimize the preliminary claim settlement assessment result based on the third-party risk factor data to obtain a target claim settlement assessment result.

[0056] In an embodiment of the present invention, for example, assume that an insurance company uses connected vehicle technology to collect vehicle data. When a vehicle is involved in an accident and a claim is filed, the system can automatically acquire relevant data. For example, the system can obtain case risk factor data such as the vehicle's driving habits, speed, and mileage. Simultaneously, through sensors and cameras connected to the accident scene, the system can also obtain accident loss risk factor data, such as vehicle damage and accident type. Furthermore, the system can extract image risk factors from images or videos of the accident scene, such as traffic conditions and weather conditions at the accident site. Based on this acquired data, the system uses specific algorithms to perform a preliminary assessment of the pending connected vehicle claim. For example, the system can analyze case risk factor data, accident loss risk factor data, and image risk factors, and determine accident liability, loss severity, and claim likelihood based on pre-defined rules and models. This system can then produce a preliminary claim assessment, including an estimated compensation amount and required repairs. During this step, the system acquires third-party risk factor data related to the vehicle accident from external data sources. For example, the system can query traffic violation records, the driver's driving history, and vehicle maintenance information. After acquiring this data, the system will combine the preliminary assessment results with third-party risk factor data for further analysis and calculation to optimize the claims assessment. For example, the system can adjust the compensation amount based on the driver's violation record or determine whether a specific part needs to be replaced by analyzing vehicle maintenance. Finally, after optimizing the preliminary assessment results of the pending vehicle-linked claims task and the third-party risk factor data, the system will obtain a target claims assessment result. This result will include the final compensation amount, repair method, and claim decision recommendations based on a comprehensive consideration of multiple risk factors. This result can provide insurance companies with a data-based and optimized approach to auto insurance claims processing, thereby improving claims efficiency and accuracy.

[0057] In a possible implementation, the aforementioned step S202 may be performed in the following manner.

[0058] (1) Inputting the case risk factor data, the accident loss risk factor data, and the image risk factor into the automobile insurance claim model to obtain the corresponding vehicle basic loss situation and preliminary risk points;

[0059] (2) The basic loss situation of the vehicle and the preliminary risk points are used as the preliminary claim assessment results.

[0060] In an embodiment of the present invention, for example, assume that an insurance company has developed a car insurance claims model that can predict a vehicle's basic loss profile and preliminary risk points based on input case risk factor data, accident loss risk factor data, and image risk factors. For example, when processing a vehicle-linked claim, the insurance company can input case risk factor data such as driving behavior and vehicle location, accident loss risk factor data such as collision force and vehicle damage extent, and image risk factor data such as accident scene photos or videos into the car insurance claims model. After calculation and analysis by the car insurance claims model based on the input case risk factor data, accident loss risk factor data, and image risk factors, the system will obtain the corresponding vehicle basic loss profile and preliminary risk points as a preliminary claim assessment result. For example, the model can determine the extent of damage to the vehicle, parts requiring repair or replacement, and potential personal injury risks, and summarize this information as the vehicle's basic loss profile. The model can also identify potential risk points, such as driver negligence and road conditions, which can be considered preliminary risk points.

[0061] With this design, through preliminary assessment, insurance companies can input case risk factor data, accident loss risk factor data and image risk factors into the auto insurance claims model to obtain the basic loss situation of the vehicle and preliminary risk points as preliminary claims assessment results, so as to help insurance companies understand the accident situation more accurately and provide reference information for claims decisions.

[0062] In a possible implementation, the aforementioned step S203 may be implemented through the following example.

[0063] (1) obtaining the third-party risk factor data from a pre-built third-party management platform;

[0064] (2) performing a secondary determination on the basic loss situation of the vehicle and the preliminary risk points based on the third-party risk factor data to obtain an optimized basic loss situation of the vehicle and an optimized risk point;

[0065] (3) The optimized basic loss situation of the vehicle and the optimized risk points are used as the target claim assessment results.

[0066] In an embodiment of the present invention, for example, an insurance company collaborates with various third parties to obtain risk factor data related to vehicle accidents from a pre-built third-party management platform. These third parties may include traffic management departments, maintenance and repair facilities, and road monitoring systems. For example, the insurance company can access the traffic management department's database through an interface or API to obtain the driver's traffic violation records and accident history. Simultaneously, the insurance company can also obtain maintenance records at maintenance and repair facilities, as well as data such as traffic flow and road conditions provided by the road monitoring system. In this step, the insurance company will use the obtained third-party risk factor data to further optimize the assessment of the vehicle's basic loss situation and preliminary risk points. For example, the insurance company can compare the driver's traffic violation record with the preliminary risk points and adjust the risk points based on historical records. Furthermore, the insurance company can analyze the vehicle's maintenance and repair records to determine whether there was a potential risk of mechanical failure before the accident and adjust the vehicle's basic loss situation accordingly. After analyzing and re-assessing the third-party risk factor data, the insurance company obtains an optimized basic loss situation and risk points for the vehicle. This optimized information will more accurately reflect the vehicle's loss extent and potential risk points. Ultimately, this optimized information is used as the target claim assessment result, providing insurance companies with a more accurate basis for claim decision-making. For example, based on the optimized determination of third-party risk factor data, insurance companies may adjust the initial assessment of damaged parts and the calculation of compensation amounts.

[0067] This design, through the acquisition and optimization of third-party risk factor data, enables insurance companies to obtain more comprehensive information and make more accurate assessments of vehicle losses and initial risk points. This will help improve the accuracy and precision of target claim assessment results, providing insurance companies with more reliable basis for claim decision-making.

[0068] In a possible implementation, the third-party management platform includes a scheduling unit, an interface unit, an interaction unit, and an output management unit; the aforementioned step of obtaining the third-party risk factor data from a pre-built third-party management platform can be implemented in the following manner.

[0069] (1) The scheduling unit determines the multi-dimensional auto insurance claim case data corresponding to the pending auto insurance claim task;

[0070] (2) the interface unit determines the vehicle claim settlement related data corresponding to the pending vehicle claim settlement task;

[0071] (3) The interaction unit and the output management unit cooperate to integrate the multi-dimensional vehicle insurance claim case data and the vehicle claim related data into the third-party risk factor data.

[0072] In an exemplary embodiment of the present invention, an insurance company establishes a third-party management platform comprised of multiple functional units. The scheduling unit is responsible for determining multi-dimensional auto insurance claim case data corresponding to pending car-linked claim tasks, while the interface unit is responsible for determining vehicle claim-related data corresponding to pending car-linked claim tasks. The interaction unit and output management unit collaborate to integrate the multi-dimensional auto insurance claim case data and vehicle claim-related data into third-party risk factor data. The scheduling unit of the third-party management platform determines the multi-dimensional auto insurance claim case data required based on the pending car-linked claim tasks. This data may include information on multiple dimensions, such as the time and location of the vehicle accident, vehicle type, and driver information. The interface unit of the third-party management platform determines the vehicle claim-related data corresponding to the pending car-linked claim tasks. This data may include vehicle insurance information, repair and maintenance records, historical claims records, and other data related to vehicle claims. In this step, the interaction unit and output management unit collaborate to integrate the multi-dimensional auto insurance claim case data and vehicle claim-related data obtained from the scheduling unit and interface unit to form the required third-party risk factor data. These data will include comprehensive information related to vehicle accidents, such as driver behavior records, maintenance and repair status, historical claims status, etc.

[0073] This design, by acquiring third-party risk factor data from a pre-built third-party management platform, allows insurance companies to use the scheduling unit to determine the multi-dimensional auto insurance claims data corresponding to the car-linked claims task, use the interface unit to determine the vehicle claims-related data corresponding to the car-linked claims task, and integrate this data into third-party risk factor data through the interaction unit and output management unit. This approach can provide insurance companies with more comprehensive and accurate risk factor data, further optimize target claims assessment results, and help make more precise claims decisions.

[0074] In a possible implementation, the aforementioned step of determining, by the scheduling unit, the multi-dimensional motor vehicle insurance claim case data corresponding to the pending vehicle-linked claim task may be performed in the following manner.

[0075] (1) The scheduling unit determines company-level data, organization-level data, task link-level data, and task condition-level data corresponding to the pending vehicle claim settlement task; wherein the organization-level data includes branch company data and sub-branch company data, the task link-level data includes damage assessment data, price verification data, and damage verification data, and the task condition-level data includes replacement task data, external repair task data, brand range data, price plan data, and repair shop-related data;

[0076] (2) The company-level data, the organization-level data, the task link-level data, and the task condition-level data are used as the multi-dimensional auto insurance claim case data.

[0077] In this embodiment of the present invention, the scheduling unit illustratively determines the multi-dimensional auto insurance claims data that needs to be acquired based on the pending auto-linked claims task. This data covers all key dimensions and steps in the vehicle claims process. Based on the pending auto-linked claims task, the scheduling unit determines company-level data, organization-level data, task-step-level data, and task-condition-level data related to the task.

[0078] Company-level data: including insurance company-wide statistics, historical claims data, risk assessment data, and other data related to vehicle claims.

[0079] Institutional-level data: This includes branch and sub-branch data. This data may include claims records, operating data, performance indicators, and other information for a specific region or department.

[0080] Task-level data: This includes damage assessment data, price verification data, and loss verification data. This data is used to record information from different stages of the vehicle claims process, such as vehicle loss assessment, price verification, and loss verification.

[0081] Task condition-level data: This includes data on replacement tasks, external repair tasks, brand range data, pricing data, and repair shop data. This data is used to determine the specific conditions and requirements for tasks such as vehicle repair and parts replacement.

[0082] The company-level, organization-level, task-level, and task-condition-level data obtained from the dispatch unit are integrated to form the required multi-dimensional auto insurance claims data. This data will include information on various dimensions related to vehicle claims, including data at different levels such as overall statistics, regional or departmental data, task process data, and task condition data.

[0083] This design allows the dispatch unit to determine the multi-dimensional auto insurance claims data corresponding to pending car-linked claims tasks, including company-level data, institution-level data, task-level data, and task-condition-level data. This approach provides rich and comprehensive data support, helping insurance companies make more accurate auto insurance claims assessments and decisions, and optimizing the claims process and efficiency.

[0084] In one possible implementation, the interface unit includes a vehicle model identification interface, a data rule interface, an accessories price rule interface, an external repair price rule interface, a damage inquiry interface, a property damage interface, a repair shop standard database, an accessories price database, a labor hour price database, and a local accessories merchant accessories database. The aforementioned step of determining the vehicle claim-related data corresponding to the pending vehicle-linked claim task by the interface unit can be implemented in the following manner.

[0085] (1) The vehicle type identification interface determines the vehicle type to be processed corresponding to the pending vehicle-linked claim settlement task;

[0086] (2) determining the pending data rule corresponding to the pending vehicle claim settlement task by the data rule interface;

[0087] (3) determining the pending parts price rule corresponding to the pending vehicle claim settlement task based on the parts price rule;

[0088] (4) determining the pending external repair price rule corresponding to the pending vehicle-linked claim settlement task by the external repair price rule interface;

[0089] (5) determining the pending inquiry result corresponding to the pending vehicle claim settlement task by the inquiry interface;

[0090] (6) determining the pending property damage result corresponding to the pending vehicle-linked claim settlement task by the property damage interface;

[0091] (7) determining the repair shop standard corresponding to the pending vehicle claim settlement task from the repair shop standard database;

[0092] (8) determining the price of the pending parts corresponding to the pending vehicle claim settlement task from the parts price database;

[0093] (9) determining the pending labor price corresponding to the pending vehicle claim settlement task from the labor price database;

[0094] (10) determining, from the local parts merchant parts database, the pending local parts merchant parts corresponding to the pending vehicle claim settlement task;

[0095] (11) The vehicle model to be processed, the data rules to be processed, the accessories price rules to be processed, the external repair price rules to be processed, the damage inquiry results to be processed, the property damage results to be processed, the repair shop standards to be processed, the accessories prices to be processed, the labor price to be processed, and the accessories of the local accessories merchants to be processed are used as the vehicle claim related data.

[0096] In the embodiment of the present invention, the interface unit is exemplarily a module including multiple functional interfaces and a database, which is responsible for interacting with external systems and providing the required information and data for vehicle claims processing.

[0097] Vehicle model identification interface: Through this interface, the system can determine the specific model and brand of the vehicle based on the pending vehicle claims task.

[0098] Data rule interface: Through this interface, the system can determine the relevant data rules applicable to the task based on the pending vehicle-linked claims task, such as claims process, review rules, etc.

[0099] Accessory price rule interface: Through this interface, the system can determine the accessory price rules corresponding to the pending vehicle claim task in order to calculate the repair cost.

[0100] External repair price rule interface: Through this interface, the system can determine the external repair price rule corresponding to the pending vehicle claim settlement task in order to calculate the external repair costs.

[0101] Residual value inquiry interface: Through this interface, the system can obtain the residual value inquiry results corresponding to the pending vehicle claim settlement tasks, which are used to calculate the vehicle residual value.

[0102] Property damage interface: Through this interface, the system can obtain the property damage results corresponding to the pending vehicle-linked claims task, including information such as the damaged part and the extent of the loss.

[0103] Repair shop standards database: This database stores the standards and requirements of different repair shops, including repair quality, service level, working hour standards, etc.

[0104] Accessory price database: This database stores price information of different accessories for calculation and comparison.

[0105] Labor price database: This database stores the labor cost standards of different repair shops for calculating maintenance costs.

[0106] Local parts merchant parts database: This database stores available parts information provided by local parts merchants for selection and purchase.

[0107] The interface unit determines the vehicle claim related data related to the task according to the vehicle claim task to be processed by calling the corresponding interface and querying the database.

[0108] The vehicle models to be processed, data rules to be processed, accessories price rules to be processed, external repair price rules to be processed, damage inquiry results to be processed, property damage results to be processed, repair shop standards to be processed, accessories prices to be processed, labor hour prices to be processed, and accessories from local accessories merchants to be processed are used as vehicle claim related data.

[0109] In this step, the data obtained from the interface unit is integrated to form vehicle claim related data. This data includes the vehicle model information to be processed, data rules, parts pricing rules, external repair pricing rules, damage inquiry results, property damage results, repair shop standards, parts prices, labor hour prices, and parts from local parts vendors.

[0110] This design, through the interface unit, includes multiple functional interfaces and databases to determine the vehicle claims-related data corresponding to the pending vehicle-linked claims task. This approach provides the system with all the relevant information and data required for vehicle claims processing and decision-making, ensuring the accuracy and efficiency of the claims process.

[0111] In a possible implementation, the third-party management platform further includes a storage unit, a statistics unit, and a contract management unit; the implementation of the present invention also provides the following methods.

[0112] (1) The storage unit stores the third-party risk factor data and the target claim assessment result as subsequent feedback data;

[0113] (2) The statistical unit performs statistics on the usage of the third-party risk factor data according to a multi-dimensional and time-based model to obtain statistical data;

[0114] (3) The contract management unit customizes the data acquisition cooperation model for the supplier of the third-party management platform.

[0115] In the embodiment of the present invention, the third-party management platform is illustratively a comprehensive platform including a storage unit, a statistics unit, and a contract management unit. These modules work together to provide support for the management and analysis of third-party risk factor data.

[0116] Storage Unit: This unit is responsible for storing third-party risk factor data and target claim assessment results. It can be a database or storage system for long-term preservation and management of relevant data.

[0117] Statistics Unit: This unit conducts statistical analysis of third-party risk factor data based on multiple dimensions and time periods. Through data processing and calculation, it obtains statistical information on the use of third-party risk factor data.

[0118] Contract Management Unit: This unit is responsible for customizing data acquisition cooperation models with suppliers (third-party data providers). It collaborates with suppliers and formulates appropriate data acquisition methods and contract management rules based on actual needs.

[0119] The storage unit stores third-party risk factor data and target claim assessment results. This data is obtained from third-party data providers and is used for subsequent feedback and analysis.

[0120] The statistics unit collects statistics on the use of third-party risk factor data based on multiple dimensions and time periods. By analyzing data trends, usage frequency, and related factors, it obtains statistical data on the use of third-party risk factor data.

[0121] The contract management unit collaborates with third-party data providers and develops a data acquisition cooperation model tailored to actual needs. This model may include regulations regarding data access rights, data exchange methods, and data usage restrictions. This ensures data security and compliance, and meets the collaborative needs of both parties.

[0122] Please refer to Figure 2 , Figure 2 A schematic block diagram of the structure of a vehicle insurance claim processing device 110 provided in an embodiment of the present invention includes:

[0123] An acquisition module 1101 is used to acquire case risk factor data, accident loss risk factor data, and image risk factor data for a pending vehicle-linked claims settlement task;

[0124] Processing module 1102 is used to perform a preliminary assessment based on the case risk factor data, the accident loss risk factor data and the image risk factor to obtain a preliminary claim assessment result of the pending vehicle-linked claim task; obtain third-party risk factor data of the pending vehicle-linked claim task, and optimize the preliminary claim assessment result based on the third-party risk factor data to obtain a target claim assessment result.

[0125] It should be noted that the implementation principles of the aforementioned auto insurance claims processing device 110 can be referenced from the implementation principles of the aforementioned auto insurance claims processing method and will not be elaborated upon here. It should be understood that the division of the various modules of the aforementioned device is merely a division of logical functions. In actual implementation, they may be fully or partially integrated into a single physical entity or physically separated. Furthermore, these modules may be implemented entirely as software invoked by a processing element, or entirely as hardware. Alternatively, some modules may be implemented as software invoked by a processing element, while others may be implemented as hardware. For example, the auto insurance claims processing device 110 may be a separate processing element, or integrated into a chip within the aforementioned device. Furthermore, it may be stored in the form of program code in the memory of the aforementioned device, invoked by a processing element within the aforementioned device to execute the functions of the aforementioned auto insurance claims processing device 110. The implementation of the other modules is similar. Furthermore, these modules may be fully or partially integrated together, or implemented independently. The processing element described herein may be an integrated circuit with signal processing capabilities. During implementation, the steps of the aforementioned method or the aforementioned modules may be performed by hardware integrated logic circuits within a processor element or by software instructions.

[0126] For example, the above modules may be one or more integrated circuits configured to implement the above methods, such as one or more application specific integrated circuits (ASICs), one or more digital signal processors (DSPs), or one or more field programmable gate arrays (FPGAs). For another example, when a module is implemented by scheduling program code on a processing element, the processing element may be a general-purpose processor, such as a central processing unit (CPU) or other processor that can call program code. For another example, these modules may be integrated together and implemented in the form of a system-on-a-chip (SOC).

[0127] The embodiment of the present invention provides a computer device 100, which includes a processor and a non-volatile memory storing computer instructions. When the computer instructions are executed by the processor, the computer device 100 executes the aforementioned vehicle insurance claim processing device 110. Figure 3 As shown, Figure 3 This is a block diagram of the structure of a computer device 100 provided in an embodiment of the present invention. The computer device 100 includes a motor vehicle insurance claim processing device 110, a memory 111, a processor 112, and a communication unit 113.

[0128] In order to achieve data transmission or interaction, the memory 111, the processor 112 and the communication unit 113 are electrically connected to each other directly or indirectly. For example, the electrical connection between these components can be achieved through one or more communication buses or signal lines. The auto insurance claims processing device 110 includes at least one software function module that can be stored in the memory 111 in the form of software or firmware or solidified in the operating system (OS) of the computer device 100. The processor 112 is used to execute the auto insurance claims processing device 110 stored in the memory 111, such as the software function modules and computer programs included in the auto insurance claims processing device 110.

[0129] An embodiment of the present invention provides a readable storage medium, which includes a computer program. When the computer program is executed, the computer device where the readable storage medium is located is controlled to execute the aforementioned vehicle insurance claim processing method.

[0130] For illustrative purposes, the foregoing description has been made with reference to specific embodiments. However, the above illustrative discussions are not intended to be exhaustive or to limit the present disclosure to the precise forms disclosed. Numerous modifications and variations are possible in light of the above teachings. These embodiments have been selected and described in order to best illustrate the principles of the present disclosure and its practical application, thereby enabling those skilled in the art to best utilize the present disclosure and to utilize various embodiments with different modifications to suit the specific applications contemplated. For illustrative purposes, the foregoing description has been made with reference to specific embodiments. However, the above illustrative discussions are not intended to be exhaustive or to limit the present disclosure to the precise forms disclosed. Numerous modifications and variations are possible in light of the above teachings. These embodiments have been selected and described in order to best illustrate the principles of the present disclosure and its practical application, thereby enabling those skilled in the art to best utilize the present disclosure and to utilize various embodiments with different modifications to suit the specific applications contemplated.

Claims

1. A method for processing automobile insurance claims, characterized in that: include: Obtain case risk factor data, accident loss risk factor data, and image risk factor data for pending vehicle-linked claims tasks; Performing a preliminary assessment based on the case risk factor data, the accident loss risk factor data, and the image risk factor to obtain a preliminary claim assessment result for the pending vehicle-linked claim task; Obtain third-party risk factor data for the pending vehicle-linked claims task, and optimize the preliminary claims assessment result based on the third-party risk factor data to obtain a target claims assessment result.

2. The method according to claim 1, characterized in that The preliminary assessment is performed based on the case risk factor data, the accident loss risk factor data, and the image risk factor to obtain a preliminary claim assessment result for the pending vehicle-linked claim task, including: Inputting the case risk factor data, the accident loss risk factor data, and the image risk factor into the auto insurance claim model to obtain the corresponding vehicle basic loss situation and preliminary risk points; The basic loss situation of the vehicle and the preliminary risk points are used as the preliminary claim assessment results.

3. The method according to claim 2, characterized in that The obtaining of third-party risk factor data for the pending vehicle-linked claims task and optimizing the preliminary claims assessment result based on the third-party risk factor data to obtain a target claims assessment result includes: Obtaining the third-party risk factor data from a pre-built third-party management platform; Performing a secondary determination on the basic loss situation of the vehicle and the preliminary risk points based on the third-party risk factor data to obtain an optimized basic loss situation of the vehicle and an optimized risk point; The optimized basic loss situation of the vehicle and the optimized risk points are used as the target claim assessment results.

4. The method according to claim 3, characterized in that The third-party management platform includes a scheduling unit, an interface unit, an interaction unit and an output management unit; The obtaining of the third-party risk factor data from a pre-built third-party management platform includes: The scheduling unit determines the multi-dimensional motor vehicle insurance claim case data corresponding to the pending vehicle insurance claim task; The interface unit determines the vehicle claim settlement related data corresponding to the pending vehicle claim settlement task; The interaction unit and the output management unit cooperate to integrate the multi-dimensional vehicle insurance claim case data and the vehicle claim related data into the third-party risk factor data.

5. The method according to claim 4, characterized in that The multi-dimensional vehicle insurance claim case data corresponding to the pending vehicle insurance claim task determined by the scheduling unit includes: The scheduling unit determines company-level data, organization-level data, task-link-level data, and task-condition-level data corresponding to the pending vehicle-linked claims settlement task; wherein the organization-level data includes branch company data and sub-branch company data; the task-link-level data includes damage assessment data, price verification data, and damage verification data; and the task-condition-level data includes replacement task data, external repair task data, brand range data, price plan data, and repair shop-related data; The company-level data, the organization-level data, the task link-level data, and the task condition-level data are used as the multi-dimensional auto insurance claim case data.

6. The method according to claim 5, characterized in that The interface unit includes a vehicle type identification interface, a data rule interface, an accessories price rule interface, an external repair price rule interface, a damage inquiry interface, a property damage interface, a repair shop standard database, an accessories price database, a labor price database, and a local accessories merchant accessories database. The vehicle claim-related data corresponding to the pending vehicle-linked claim task determined by the interface unit includes: The vehicle type identification interface determines the vehicle type to be processed corresponding to the pending vehicle-linked claim settlement task; The data rule interface determines the pending data rule corresponding to the pending vehicle claim settlement task; Determining the pending parts price rule corresponding to the pending vehicle-linked claim settlement task based on the parts price rule; Determining the pending external repair price rule corresponding to the pending vehicle-linked claim settlement task by the external repair price rule interface; The disability inquiry interface determines the pending disability inquiry result corresponding to the pending vehicle claim settlement task; The property damage interface determines the pending property damage result corresponding to the pending vehicle-linked claim settlement task; Determining the pending repair shop standard corresponding to the pending vehicle claim settlement task from the repair shop standard database; Determining the price of pending parts corresponding to the pending vehicle-linked claim settlement task from the parts price database; Determining the pending labor price corresponding to the pending vehicle-linked claim settlement task from the labor price database; Determining the pending local parts vendor parts corresponding to the pending vehicle-linked claim settlement task from the local parts vendor parts database; The vehicle model to be processed, the data rules to be processed, the accessories price rules to be processed, the external repair price rules to be processed, the damage inquiry results to be processed, the property damage results to be processed, the repair shop standards to be processed, the accessories prices to be processed, the labor hour prices to be processed and the local accessories merchant accessories to be processed are used as the vehicle claim related data.

7. The method according to claim 4, characterized in that The third-party management platform also includes a storage unit, a statistics unit and a contract management unit; The method further comprises: The storage unit stores the third-party risk factor data and the target claim assessment result as subsequent feedback data; The statistical unit performs statistics on the usage of the third-party risk factor data according to a multi-dimensional and time-based model to obtain statistical data; The contract management unit customizes the data acquisition cooperation model for the supplier of the third-party management platform.

8. A vehicle insurance claim processing device, characterized in that: include: The acquisition module is used to obtain case risk factor data, accident loss risk factor data, and image risk factor data for pending vehicle-linked claims tasks; A processing module is used to perform a preliminary assessment based on the case risk factor data, the accident loss risk factor data and the image risk factor to obtain a preliminary claim assessment result of the pending vehicle-linked claim task; obtain third-party risk factor data of the pending vehicle-linked claim task, and optimize the preliminary claim assessment result based on the third-party risk factor data to obtain a target claim assessment result.

9. A computer device, characterized in that: The computer device includes a processor and a non-volatile memory storing computer instructions. When the computer instructions are executed by the processor, the computer device executes the motor vehicle insurance claim processing method according to any one of claims 1 to 7.

10. A readable storage medium, characterized in that: The readable storage medium includes a computer program, which, when running, controls the computer device where the readable storage medium is located to execute the motor vehicle insurance claim processing method according to any one of claims 1 to 7.

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