Vehicle-mounted intelligent rescue and insurance linkage system and accident handling method

Abstract

The invention provides a vehicle-mounted intelligent rescue and insurance linkage system and an accident handling method. The system comprises a vehicle-mounted terminal and a cloud server which communicate with each other, the vehicle-mounted terminal comprises a user interaction unit, a main control unit, a multimode communication module, a collision detection sensor, a positioning unit, a voice processing unit, a shooting unit and a power management unit, and the multimode communication module, the collision detection sensor, the positioning unit, the voice processing unit, the shooting unit and the power management unit are connected with the main control unit. Establishing communication between the vehicle-mounted terminal and the cloud server; the main control unit packages data including collision information, positioning information and user information pre-bound with the vehicle-mounted terminal according to a preset data protocol according to the collision detection signal, and sends the packaged data to the cloud server through the multi-mode communication module; and the cloud server is used for establishing an end-to-end direct connection call link between the vehicle-mounted terminal and the vehicle-related protection and rescue institutions according to the data received from the vehicle-mounted terminal. According to the technical scheme provided by the invention, rapid and automatic alarm can be realized under the condition of collision.

Description

Technical Field

[0001] This invention relates to the field of vehicle-mounted intelligent systems, specifically to a vehicle-mounted intelligent rescue and insurance linkage system and an accident handling method. Background Technology

[0002] With the rapid development of the automotive electronics industry, people's demands for vehicle safety are increasing. Cars are beginning to be equipped with in-vehicle SOS rescue systems such as OnStar, allowing for quick SOS calls for help in the event of an accident. However, traditional SOS calls typically transmit rescue information to the car manufacturer or a rescue center established by the rescue provider. After communication to obtain information, the incident report is then forwarded to the insurance company. Existing in-vehicle SOS rescue equipment lacks deep integration with insurance assistance services in accident rescue, resulting in cumbersome reporting processes, missing information, and incomplete information transmission in practical use.

[0003] There is currently no good solution to the above problems in the existing technology. Summary of the Invention

[0004] To address the problems in the existing technology, this invention provides an in-vehicle intelligent rescue and insurance linkage system and an accident handling method, aiming to improve the efficiency of reporting vehicle accidents and help insurance agencies to promptly grasp accident information.

[0005] To achieve the above objectives, the present invention provides a vehicle-mounted intelligent rescue and insurance linkage system, comprising: a vehicle-mounted terminal and a cloud server communicating with each other; the vehicle-mounted terminal including a user interaction unit, a main control unit, and a multi-mode communication module, a collision detection sensor, a positioning unit, a voice processing unit, a camera unit, and a power management unit connected to the main control unit; wherein: the multi-mode communication module is configured to establish communication between the vehicle-mounted terminal and the cloud server; the collision detection sensor is configured to provide a collision detection signal to the main control unit; the positioning unit is configured to provide positioning information to the main control unit; and the voice processing unit is configured to... The system generates and plays pre-loaded audio based on text-to-speech (TTS) technology; the shooting unit is configured to continuously record video streams while the vehicle is in motion; the power management unit is configured to provide switchable dual-channel power to the vehicle terminal; and the main control unit is configured to package data containing collision information, location information, and user information pre-bound to the vehicle terminal according to a preset data protocol based on the collision detection signal, and send the packaged data to the cloud server through the multi-mode communication module; and the cloud server is configured to establish an end-to-end direct communication link between the vehicle terminal and the vehicle-associated emergency assistance agency based on the data received from the vehicle terminal.

[0006] Furthermore, the cloud server is configured to, based on data received from the vehicle terminal, identify the assistance agency of the vehicle to which the vehicle terminal is installed, and establish a two-way voice channel with the assistance agency or the assistance agency's call center; and the cloud server is also configured to, based on a preset assistance agency identification code, retrieve key navigation sequence instructions from a mapping database, generate a dual-tone multi-frequency (DTMF) signal based on the key navigation sequence instructions, and send it to the voice system of the assistance agency or the call center via the two-way voice channel.

[0007] Furthermore, the key navigation sequence instructions include delay instructions and numeric keypad instructions.

[0008] Furthermore, the cloud server is configured to perform human agent identification after sending the DTMF signal, including: activating Voice Activity Detection (VAD) to monitor the audio stream of the voice channel in real time; retrieving keywords from the audio stream and matching them with a preset keyword library; and determining that a human agent has accessed the system when a preset trigger word is identified from the audio stream and the confidence level reaches a preset value.

[0009] Furthermore, the cloud server is configured to broadcast key information of the insurance claim after determining that a human agent has accessed the system, and to establish an end-to-end direct communication link between the vehicle terminal and the human agent terminal of the insurance assistance agency after the broadcast is completed.

[0010] Furthermore, the cloud server is configured to broadcast key information of the insurance claim, including: generating a structured message using the Jinja2 template engine based on data received from the vehicle terminal; performing TTS conversion on the generated message; and outputting the TTS-converted audio.

[0011] Furthermore, the main control unit is configured to instruct the voice processing unit to play pre-loaded audio simultaneously with or after packaging the data.

[0012] Furthermore, the user interaction unit is configured to receive user commands and / or display information to the user, and includes an SOS button and a status indicator connected to the main control unit.

[0013] Furthermore, the multimode communication module includes an integrated cellular network module and a satellite communication module, which are used to realize cellular communication and satellite communication respectively. The multimode communication module is also configured to automatically select the communication module to use based on real-time signal strength RSSI and / or network latency.

[0014] Furthermore, the shooting unit includes a video triggering module and a video processing module, wherein the video triggering module is configured to lock a video stream segment of a predetermined duration before and after a collision based on the collision detection signal; and the video processing module is configured to perform at least one of the following processing on the locked video stream segment: encoding compression, embedding timestamps, embedding positioning coordinates, and embedding collision intensity values.

[0015] Furthermore, the main control unit is also configured to send the processed video stream segments to the cloud server through the multi-mode communication module.

[0016] Furthermore, the cloud server is also configured to perform at least one of the following: associate and store the received video stream segments with the packaged data; generate a video summary and insert a structured report message; and after establishing an end-to-end direct call link between the vehicle terminal and the vehicle-mounted agency, push a video access link to the agency's operator terminal.

[0017] Furthermore, the insurance assistance organization includes at least one of the following: insurance companies, 4S car dealerships, repair shops, and vehicle emergency rescue companies.

[0018] In another aspect, the present invention provides a vehicle accident handling method based on the above-described system, comprising the following steps:

[0019] In a user-triggered scenario: the vehicle terminal responds to the SOS button trigger event, activates the positioning unit to obtain positioning information; the vehicle terminal sends a rescue request packet containing at least the vehicle terminal ID and positioning information to the cloud server through the multi-mode communication module; the vehicle terminal plays pre-loaded reassurance audio through the voice processing unit; the cloud server establishes a two-way voice channel with the rescue agency based on the rescue request packet and executes button navigation sequence instructions; the cloud server identifies the access of a human agent and broadcasts key information about the case, establishing an end-to-end direct communication link between the vehicle terminal and the human agent terminal of the rescue agency.

[0020] Furthermore, it includes the following steps:

[0021] In a user-triggered scenario: the vehicle terminal responds to the double-click SOS button trigger event, activates the positioning unit to obtain positioning information; the vehicle terminal sends a rescue request packet containing at least the vehicle terminal ID and positioning information to the cloud server through the multi-mode communication module; the cloud server establishes a two-way voice channel with the public security traffic management alarm platform based on the rescue request packet, and executes button navigation sequence instructions; the cloud server identifies the key information of the case after the human operator connects, and establishes an end-to-end direct communication link between the vehicle terminal and the human operator terminal of the alarm platform.

[0022] Furthermore, it also includes the following steps:

[0023] In an automatically triggered collision scenario: when the collision detection signal from the collision detection sensor reaches a preset threshold, the vehicle-mounted terminal acquires positioning information and sends a rescue request packet containing at least the vehicle-mounted terminal ID and positioning information to the cloud server through the multi-mode communication module; the vehicle-mounted terminal plays compressed pre-loaded reassurance audio through the voice processing unit; the cloud server establishes a two-way voice channel with the rescue agency based on the rescue request packet and executes key navigation sequence instructions; the cloud server identifies the access of a human agent and broadcasts key information about the case, establishing an end-to-end direct communication link between the vehicle-mounted terminal and the human agent terminal of the rescue agency.

[0024] Furthermore, the assistance organizations include at least one of the following: insurance companies, car dealerships, repair shops, and vehicle emergency rescue companies.

[0025] The above technical solutions can achieve the following beneficial effects: (1) Automating the entire collision reporting process, reducing the time from rescue to reporting from the traditional 30 minutes to within 1 minute. (2) Upgrading the user experience, through one-click reporting / automatic collision reporting, the vehicle owner information / location information is automatically transmitted to the public security traffic management alarm platform 122 and / or the rescue agency after reporting, effectively reducing the reporting communication time.

[0026] The specific embodiments of the present invention will be described below with reference to the accompanying drawings. Attached Figure Description

[0027] A more detailed understanding can be obtained from the following description given by way of example, in conjunction with the accompanying drawings, wherein:

[0028] Figure 1A This is a system schematic diagram of an example communication system that can implement one or more of the disclosed implementation methods;

[0029] Figure 1B It is possible Figure 1A The diagram shows a system schematic of an example wireless transmit / receive unit (WTRU) used in the communication system shown.

[0030] Figure 1C It is possible Figure 1A The diagram shows an example radio access network and an example core network used in the communication system.

[0031] Figure 2 This is a schematic diagram of the vehicle-mounted terminal according to an embodiment of the present invention;

[0032] Figure 3 This is a schematic diagram of the system composition according to an embodiment of the present invention;

[0033] Figure 4 This is a schematic diagram of the SOS alarm timing according to an embodiment of the present invention;

[0034] Figure 5 This is a flowchart illustrating a two-way call establishment process according to an embodiment of the present invention; and

[0035] Figure 6 This is a schematic diagram illustrating the timing of a safety report according to an embodiment of the present invention. Detailed Implementation

[0036] Figure 1A This is a schematic diagram of an example communication system 100 in which one or more of the disclosed implementation methods may be implemented. The communication system 100 may be a multi-access system providing content such as voice, data, video, messaging, and broadcasting to multiple wireless users. The communication system 100 allows multiple wireless users to access this content by sharing system resources (including wireless bandwidth). For example, the communication system 100 may employ one or more channel access methods, such as Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Frequency Division Multiple Access (FDMA), Orthogonal FDMA (OFDMA), Single Carrier FDMA (SC-FDMA), etc.

[0037] like Figure 1A As shown, the communication system 100 may include wireless transmit / receive units (WTRUs) 102a, 102b, 102c, 102d, a radio access network (RAN) 104, a core network 106, a public switched telephone network (PSTN) 108, the Internet 110, and other networks 112. However, it is understood that the disclosed implementation may include any number of WTRUs, base stations, networks, and / or network elements. Each of the WTRUs 102a, 102b, 102c, and 102d may be any type of device configured to operate and / or communicate in a wireless environment. For example, the WTRUs 102a, 102b, 102c, and 102d may be configured to transmit and / or receive wireless signals and may include user equipment (UE), vehicle-mounted terminals, mobile stations, fixed or mobile subscriber units, pagers, cellular phones, personal digital assistants (PDAs), smartphones, laptops, netbooks, notebook computers, personal computers, touchpads, wireless sensors, consumer electronics, etc.

[0038] The communication system 100 may also include base stations 114a and 114b. Each of base stations 114a and 114b may be any type of device configured to wirelessly connect to at least one of WTRUs 102a, 102b, 102c, and 102d to facilitate access to one or more communication networks (e.g., core network 106, Internet 110, and / or network 112). For example, base stations 114a and 114b may be base transceiver stations (BTS), node B, e-node B, home node B, home e-node B, site controllers, access points (APs), wireless routers, etc. Although each of base stations 114a and 114b is depicted as a single element, it should be understood that base stations 114a and 114b may include any number of interconnected base station and / or network elements.

[0039] Base station 114a may be part of RAN 104, which may also include other base stations and / or network elements (not shown), such as base station controllers (BSCs), radio network controllers (RNCs), relay nodes, etc. Base station 114a and / or base station 114b may be configured to transmit and / or receive radio signals in a specific area, which may be referred to as a cell (not shown). The cell may also be divided into cell sectors. For example, the cell associated with base station 114a may be divided into three sectors. Therefore, in one embodiment, base station 114a may include three transceivers, i.e., one transceiver for each sector of the cell. In another embodiment, base station 114a may employ multiple-input multiple-output (MIMO) technology, thus allowing multiple transceivers to be used for each cell sector.

[0040] Base stations 114a and 114b can communicate with one or more of WTRUs 102a, 102b, 102c, and 102d via air interface 116, which can be any suitable wireless communication link (e.g., radio frequency (RF), microwave, infrared (IR), ultraviolet (UV), visible light, etc.). Any suitable radio access technology (RAT) can be used to establish air interface 116.

[0041] More specifically, as described above, the communication system 100 can be a multi-access system and can employ one or more channel access schemes, such as CDMA, TDMA, FDMA, OFDMA, SC-FDMA, etc. For example, base stations 114a and WTRUs 102a, 102b, and 102c in RAN 104 can implement technologies such as Universal Mobile Telecommunications System (UMTS) Terrestrial Radio Access (UTRA), which can use Wideband CDMA (WCDMA) to establish the air interface 116. WCDMA can include communication protocols such as High-Speed ​​Packet Access (HSPA) and / or Evolved HSPA (HSPA+). HSPA can include High-Speed ​​Downlink Packet Access (HSDPA) and / or High-Speed ​​Uplink Packet Access (HSUPA).

[0042] In another embodiment, base station 114a and WTRUs 102a, 102b, 102c may implement radio technologies such as Evolved UMTS Terrestrial Radio Access (E-UTRA), which may use Long Term Evolution (LTE) and / or LTE-Advanced (LTE-A) to establish air interface 116.

[0043] In other implementations, base station 114a and WTRUs 102a, 102b, 102c may implement radio technologies such as IEEE 802.16 (i.e., Global Microwave Interconnection Access (WiMAX)), CDMA2000, CDMA2000 1X, CDMA2000 EV-DO, Provisional Standard 2000 (IS-2000), Provisional Standard 95 (IS-95), Provisional Standard 856 (IS-856), Global System for Mobile Communications (GSM), Enhanced Data Rate GSM Evolution (EDGE), GSM EDGE (GERAN), etc.

[0044] Figure 1A Base station 114b can be a network operator base station, wireless router, home node B, home e-node B, or access point, and can, for example, use any suitable RAT to facilitate wireless connectivity in a local area (e.g., office, home, vehicle, campus, etc.). In one embodiment, base station 114b and WTRUs 102c, 102d can implement, for example, IEEE 802.11 radio technology to establish a wireless local area network (WLAN). In another embodiment, base station 114b and WTRUs 102c, 102d can implement, for example, IEEE 802.15 radio technology to establish a wireless personal area network (WPAN). In yet another embodiment, base station 114b and WTRUs 102c, 102d can use a cellular-based RAT (e.g., WCDMA, CDMA2000, GSM, LTE, LTE-A, etc.) to establish picocells and femtocells. Figure 1A As shown, base station 114b can be directly connected to the Internet 110. Therefore, base station 114b does not need to access the Internet 110 via core network 106.

[0045] RAN 104 can communicate with core network 106, which can be any type of network configured to provide voice, data, application, and / or Voice over Internet Protocol (VoIP) services to one or more of WTRUs 102a, 102b, 102c, and 102d. For example, core network 106 can provide call control, billing services, location-based services, prepaid calling, internet connectivity, video distribution, and / or perform advanced security functions such as user authentication. Although in Figure 1A Although not shown, it should be understood that RAN 104 and / or core network 106 can communicate directly or indirectly with other RANs that use the same RAT or different RATs as RAN 104. For example, in addition to being connected to RAN 104 which can use E-UTRA radio technology, core network 106 can also communicate with another RAN (not shown) that uses GSM radio technology.

[0046] Core network 106 can also serve as a gateway for WTRUs 102a, 102b, 102c, and 102d to access PSTN 108, the Internet 110, and / or other networks 112. PSTN 108 may include a circuit-switched telephone network providing Common Old-Style Telephone Service (POTS). The Internet 110 may include a global system of interconnected devices and computer networks using common communication protocols, such as Transmission Control Protocol (TCP), User Datagram Protocol (UDP), and Internet Protocol (IP) from the TCP / IP Internet Protocol suite. Network 112 may include wired or wireless communication networks owned and / or operated by other service providers. For example, network 112 may include another core network connected to one or more RANs, which may use the same or a different RAT as RAN 104.

[0047] Some or all of the WTRUs 102a, 102b, 102c, and 102d in the communication system 100 may include multi-mode capability, meaning that the WTRUs 102a, 102b, 102c, and 102d may include multiple transceivers for communicating with different wireless networks via different wireless links. For example, Figure 1A The WTRU 102c shown can be configured to communicate with base station 114a, which can use cellular-based radio technology, and base station 114b, which can use IEEE 802 radio technology, and can also perform satellite communication.

[0048] Figure 1BThis is a system diagram of example WTRU 102. (Example:) Figure 1B As shown, WTRU 102 may include a processor 118, a transceiver 120, a transmitting / receiving element 122, a speaker / microphone 124, a keyboard 126, a display / touchscreen 128, a non-removable memory 130, a removable memory 132, a power supply 134, a Global Positioning System (GPS) chipset 136, and other peripheral devices 138. It should be understood that WTRU 102 may include any sub-combination of the above elements while maintaining consistency in implementation.

[0049] Processor 118 may be a general-purpose processor, a special-purpose processor, a conventional processor, a digital signal processor (DSP), multiple microprocessors, one or more microprocessors associated with a DSP core, a controller, a microcontroller, an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) circuit, any other type of integrated circuit (IC), a state machine, etc. Processor 118 may perform signal encoding, data processing, power control, input / output processing, and / or any other functions enabling WTRU 102 to operate in a wireless environment. Processor 118 may be coupled to transceiver 120, and transceiver 120 may be coupled to transmitting / receiving element 122. Although Figure 1B The processor 118 and transceiver 120 are shown as separate components, but it should be understood that the processor 118 and transceiver 120 can be integrated into an electronic package or chip.

[0050] Transmitting / receiving element 122 can be configured to transmit signals to or receive signals from a base station (e.g., base station 114a) via air interface 116. For example, in one embodiment, transmitting / receiving element 122 can be an antenna configured to transmit and / or receive RF signals. In another embodiment, transmitting / receiving element 122 can be a transmitter / detector configured to transmit and / or receive, for example, IR, UV, or visible light signals. In yet another embodiment, transmitting / receiving element 122 can be configured to transmit and receive both RF and optical signals. It should be understood that transmitting / receiving element 122 can be configured to transmit and / or receive any combination of wireless signals.

[0051] In addition, although Figure 1B The transmit / receive element 122 depicted is a single element, but the WTRU 102 may include any number of transmit / receive elements 122. More specifically, the WTRU 102 may employ MIMO technology. Thus, in one embodiment, the WTRU 102 may include two or more transmit / receive elements 122 (e.g., multiple antennas) for transmitting and receiving wireless signals via the air interface 116.

[0052] Transceiver 120 can be configured to modulate signals transmitted by transmitting / receiving element 122 and demodulate signals received by transmitting / receiving element 122. As described above, WTRU 102 can have multi-mode capability. Therefore, transceiver 120 can include multiple transceivers to enable WTRU 102 to communicate via various RATs (e.g., UTRA and IEEE 802.11).

[0053] The processor 118 of WTRU 102 can be coupled to and receive user input data from a speaker / microphone 124, a keyboard 126, and / or a display / touchpad 128 (e.g., a liquid crystal display (LCD) unit or an organic light-emitting diode (OLED) display unit). The processor 118 can also output user data to the speaker / microphone 124, the keyboard 126, and / or the display / touchpad 128. Furthermore, the processor 118 can access information and store data from any type of suitable memory (e.g., non-removable memory 130 and removable memory 132). Non-removable memory 130 may include random access memory (RAM), read-only memory (ROM), a hard disk, or any other type of storage device. Removable memory 132 may include a Subscriber Identity Module (SIM) card, a memory stick, a Secure Digital (SD) memory card, etc. In other embodiments, the processor 118 can access information and store data from memory that is not physically located on WTRU 102 (e.g., on a server or a home computer (not shown)).

[0054] The processor 118 can receive power from the power supply 134 and can be configured to distribute and / or control power to other components in the WTRU 102. The power supply 134 can be any suitable device for powering the WTRU 102. For example, the power supply 134 may include one or more dry cell batteries (e.g., nickel-cadmium (NiCd), nickel-zinc (NiZn), nickel-metal hydride (NiMH), lithium-ion (Li-ion), etc.), solar cells, fuel cells, lead-acid batteries, capacitors, etc.

[0055] The processor 118 may also be coupled to a GPS chipset 136, which may be configured to provide location information (e.g., longitude and latitude) about the current location of the WTRU 102. In addition to or instead of information from the GPS chipset 136, the WTRU 102 may receive location information from base stations (e.g., base stations 114a, 114b) via an air interface 116, and / or determine the location of the WTRU 102 based on the timing of signals received from two or more nearby base stations. It should be understood that the WTRU 102 may obtain location information using any suitable location determination method while maintaining consistency in implementation. Alternatively, the GPS chipset 136 may also be a BeiDou positioning module or a multi-satellite positioning module.

[0056] The processor 118 can also be coupled to other peripheral devices 138, which may include one or more software and / or hardware modules that provide additional features, functions, and / or wired or wireless connectivity. For example, peripheral devices 138 may include accelerometers, electronic compasses, satellite transceivers, digital cameras (for photos or videos), Universal Serial Bus (USB) ports, vibration devices, television transceivers, hands-free headsets, and Bluetooth. Modules, FM radio units, digital music players, media players, video game console modules, internet browsers, etc.

[0057] Figure 1C This is a system schematic diagram of RAN 104 and core network 106 according to one embodiment. As described above, RAN 104 can use UTRA radio technology to communicate with WTRUs 102a, 102b, and 102c via air interface 116. RAN 104 can also communicate with core network 106. Figure 1C As shown, RAN 104 may include nodes B 140a, 140b, and 140c, each of which may include one or more transceivers for communicating with WTRUs 102a, 102b, and 102c via air interface 116. Each of nodes B 140a, 140b, and 140c may be associated with a specific cell (not shown) in RAN 104. RAN 104 may also include RNCs 142a and 142b. However, it should be understood that RAN 104 may include any number of nodes B and RNCs while maintaining consistency in implementation.

[0058] like Figure 1CAs shown, nodes B 140a and 140b can communicate with RNC 142a. Additionally, node B 140c can communicate with RNC 142b. Nodes B 140a, 140b, and 140c can communicate with their respective RNCs 142a and 142b via the Iub interface. RNCs 142a and 142b can communicate with each other via the Iur interface. Each of RNCs 142a and 142b can be configured to control its connected nodes B 140a, 140b, and 140c. Furthermore, each of RNCs 142a and 142b can be configured to perform or support other functions, such as outer-loop power control, load control, permission control, packet scheduling, handover control, macro diversity, security functions, and data encryption.

[0059] Figure 1C The core network 106 shown may include a Media Gateway (MGW) 114, a Mobile Switching Center (MSC) 146, a Serving GPRS Support Node (SGSN) 148, and / or a Gateway GPRS Support Node (GGSN) 150. Although each of the above elements is depicted as part of the core network 106, it should be understood that any of these elements may be owned and / or operated by an entity other than the core network operator.

[0060] RNC 142a in RAN 104 can be connected to MSC 146 in core network 106 via the IuCS interface. MSC 146 can be connected to MGW 144. MSC 146 and MGW 144 can provide WTRU 102a, 102b, and 102c with access to a circuit-switched network (e.g., PSTN 108) to facilitate communication between WTRU 102a, 102b, and 102c and legacy route communication equipment.

[0061] RNC 142a in RAN 104 can also be connected to SGSN 148 in core network 106 via IuPS interface. SGSN 148 can be connected to GGSN 150. SGSN 148 and GGSN 150 can provide WTRU 102a, 102b, and 102c with access to packet-switched networks (e.g., Internet 110) to facilitate communication between WTRU 102a, 102b, and 102c and IP-enabled devices.

[0062] As described above, core network 106 can also be connected to network 112, which may include other wired or wireless networks owned and / or operated by other service providers.

[0063] The following combination Figures 2-6Exemplary embodiments of the present invention will be described below. In these embodiments, the insurance assistance organization can be an insurance company or a 4S car dealership. In other embodiments, the insurance assistance organization can also be a third-party insurance assistance company or platform established by the government, individuals, or organizations, such as a repair shop or a vehicle emergency rescue company. The following example uses an insurance company as the insurance assistance organization.

[0064] like Figure 2 and Figure 3 As shown, this invention provides a vehicle-mounted intelligent rescue and insurance linkage system, including: a vehicle-mounted terminal 200 and a cloud server 300 communicating with each other. The vehicle-mounted terminal 200 includes a user interaction unit 202, a main control unit 201, a multi-mode communication module 203 connected to the main control unit 201, a collision detection sensor 204, a positioning unit 205, a voice processing unit 206, a camera unit 208, and a power management unit 207. The multi-mode communication module 203 is configured to establish communication between the vehicle-mounted terminal 200 and the cloud server 300; the collision detection sensor 204 is configured to provide collision detection signals to the main control unit 201; the positioning unit 205 is configured to provide positioning information to the main control unit 201; and the voice processing unit 206 is configured to provide location information to the main control unit 201. The system is configured to generate and play pre-loaded audio based on text-to-speech (TTS) technology according to instructions from the main control unit; the camera unit 208 is configured to continuously record video streams while the vehicle is in motion; the power management unit 207 is configured to provide switchable dual-channel power to the vehicle terminal 200; and the main control unit 201 is configured to package data containing collision information, location information, and user information pre-bound to the vehicle terminal 200 according to a preset data protocol based on the collision detection signal, and send the packaged data to the cloud server 300 through the multi-mode communication module 203; and the cloud server 300 is configured to establish an end-to-end direct communication link between the vehicle terminal 200 and the insurance company 400 associated with the vehicle based on the data received from the vehicle terminal 200. The above technical solution can achieve the following beneficial effects: automating the entire collision reporting process, reducing the time from rescue to reporting from the traditional 30 minutes to within 1 minute.

[0065] In this embodiment, the positioning unit can integrate a triple positioning engine combining GPS / BeiDou, AGPS, and LBS base station positioning, thereby achieving accurate and reliable positioning. Preferably, the voice processing unit 206 can include a TTS synthesizer and an audio codec module. In this embodiment, the main control unit 201 can include or be connected to external memory, such as erasable or non-erasable memory. In this embodiment, the vehicle terminal 200 can include an expansion unit 209, such as an expansion interface, to implement functions such as ETC or external memory cards.

[0066] In this implementation, the shooting unit 208 may include a video triggering module and a video processing module. The video triggering module may be configured to lock a video stream segment for a predetermined duration before and after a collision based on the collision detection signal, for example, automatically locking a video stream segment from 30 seconds before the collision to 60 seconds after the collision. The video processing module may be configured to encode and compress the locked video stream segment, embed timestamps, embed positioning coordinates, embed collision intensity values, etc., for example, using video protocols such as H.264 for video compression, and embedding timestamps, positioning information, collision intensity flags, and other information in video keyframes.

[0067] In this implementation, the main control unit 201 is further configured to send the processed video stream segments to the cloud server 300 via the multi-mode communication module 203. Further, the cloud server 300 is also configured to perform at least one of the following: associate the received video stream segments with the packaged data, for example, associate the video stream segments with corresponding incident information; generate a video summary and insert a structured incident message, for example, automatically generate an incident template containing a video summary using the Jinja2 engine; and after establishing an end-to-end direct communication link between the vehicle terminal and the insurance company associated with the vehicle, push a video access link to the insurance company's agent terminal.

[0068] In this implementation, the cloud server 300 is configured to, based on data received from the vehicle terminal 200, identify the insurance company 400 of the vehicle on which the vehicle terminal 200 is installed, and establish a two-way voice channel with the insurance company 400 or its call center; and the cloud server 300 is further configured to, based on a preset insurance company identification code, retrieve key navigation sequence instructions from a mapping database, generate a dual-tone multi-frequency (DTMF) signal according to the key navigation sequence instructions, and send it to the voice system of the insurance company 400 or the call center via the two-way voice channel. In this implementation, the data received from the vehicle terminal 200 may include policy information.

[0069] In this implementation, the key navigation sequence instructions include delay instructions and numeric keypad instructions. Specifically, the key navigation sequence instructions can consist of a delay unit (W) and numeric keypads (N), where: W represents a 1-second silence or waiting interval; **-N represent the specific numeric keypad to be pressed (0-9, #, etc.). The interval duration is precisely controlled by the delay control unit, and the DTMF signal generation module of the communication system automatically sends the corresponding numeric keypad signals to the insurance company's voice system according to the sequence instructions. In this implementation, different case navigation sequences can be generated for different insurance companies, improving the accuracy of the instructions.

[0070] In an embodiment, the cloud server 300 is configured to perform artificial agent identification after sending a DTMF signal, including: starting voice activity detection (VAD) to monitor the audio stream of the voice channel in real time; retrieving keywords in the audio stream and matching them with a preset keyword library; and when a preset trigger term is recognized from the audio stream and the confidence level reaches a preset value, it is determined that an artificial agent has accessed. In an embodiment, for example, the cloud server 300 can perform real-time transcription of the audio stream through a voice recognition engine on the terminal side and perform pattern matching with the preset keyword library. When a preset trigger term (such as "Hello, how can I help you?") is recognized in a continuous voice segment and the confidence level ≥ 85%, it is determined that an artificial agent has accessed.

[0071] In an embodiment, the cloud server 300 is configured to broadcast key insurance claim information after determining that an artificial agent has accessed, and establish an end-to-end direct communication link between the in-vehicle terminal 200 and the insurance company's artificial agent terminal after the broadcast is completed. Among them, the key claim information may include: accident time, accident location, accident type, license plate, vehicle model, insured information, etc.

[0072] Figure 5 An example two-way call establishment flowchart is shown. As Figure 5 shown, the example two-way call establishment process with the insurance company may include:

[0073] S501, the cloud server 300 first initiates a call to the insurance company. In an embodiment, the cloud server 300 can confirm the insurance company 400 of the vehicle installed with the in-vehicle terminal 200 according to the data received from the in-vehicle terminal 200. The cloud server 300 can obtain the insurance company number from the insurance company number library according to the preset insurance company identification code and initiate a call using this number. Among them, the insurance company number can be a public number or a dedicated line number.

[0074] S502, when the call enters the queue, a monitoring robot is enabled. After the robot monitors that an artificial agent has answered, it plays the voice file passed in through the ringback tone interface. In an embodiment, the cloud server 300 can deploy a monitoring robot program or module. The monitoring robot can convert the data received from the in-vehicle terminal 200 into a voice file event in a preset format. For example, when obtaining the license plate number (such as, E A7XXXXXX), in-vehicle terminal / user mobile phone number (159XXXXXXXX) from the in-vehicle terminal 200, the following voice file event can be generated: "The claim is accessed by Shunyuan, license plate {E A7XXXXXX}, phone {159XXXXXXXX}, please view the location through the {in-vehicle terminal}". Real-time TTS conversion is performed on the message contained in the voice file event, thereby realizing the playback of the voice file.

[0075] S503, after the insurance company's call is connected, it initiates a call to the in-vehicle device. In this implementation, after the call with the insurance company is connected, the cloud server 300 can maintain the call with the insurance company while simultaneously initiating a call to the in-vehicle device.

[0076] S504 performs call splicing after two calls are connected.

[0077] In this implementation, a similar call setup process can be applied to scenarios involving reporting to the public security traffic management alarm platform. In this implementation, the cloud server 300 is configured to broadcast key information related to the insurance claim, including: generating structured messages using the Jinja2 template engine based on data received from the vehicle terminal 200; performing TTS conversion on the generated messages; and outputting the TTS-converted audio.

[0078] In this implementation, the main control unit 201 is configured to instruct the voice processing unit to play pre-loaded audio simultaneously with or after the data is packaged.

[0079] In this implementation, the user interaction unit 202 is configured to receive user commands and / or display information to the user. It includes function keys and status indicators connected to the main control unit 201. The function keys include, for example, quick call keys, SOS keys, and safety call keys. The status indicators include, for example, indicator lights and displays.

[0080] In this implementation, the multi-mode communication module 203 includes an integrated cellular network module and a satellite communication module, used to implement cellular communication and satellite communication respectively. The multi-mode communication module is also configured to automatically select the communication module to use based on real-time signal strength RSSI and / or network latency. Preferably, the multi-mode communication module integrates a 4G / LTE Cat.1 module, supports VoLTE and SIP over TCP dual protocol stacks, and supports satellite communication.

[0081] Seamless communication switching can be achieved through a multi-mode communication module. In this implementation, cellular networks (4G / 5G) are prioritized by default, with real-time monitoring of signal strength (RSSI) and network latency. For example, when the cellular signal strength is <-110dBm or the network latency is >500ms, the multi-mode communication module can automatically switch to a satellite communication link. In this implementation, the multi-mode communication module can automatically select the optimal communication link based on real-time signal strength (RSSI) and network latency. In this implementation, when the cellular network signal is lost, satellite communication must be initiated to ensure data transmission; otherwise, it will completely fail in remote areas or tunnels. In satellite communication mode, BeiDou RDSS short message transmission is used to transmit key data including device ID, positioning coordinates, and collision status.

[0082] In this implementation, the multi-mode communication module can use priority decision-making for path selection. For example, it can select from the following paths based on whether the vehicle terminal 200 is equipped with an IoT card and whether it has an insurance dedicated line:

[0083] Channel 1: Public Service Number Call Channel

[0084] The example path establishment process is as follows: the dialing protocol is implemented, and the mobile originating call (MO) signaling process based on the 3GPP TS24.008 specification initiates a PSTN circuit-switched call (such as 955XX) through a preset E.164 standard number to initiate PSTN circuit switching and make the call.

[0085] Route 2: Dedicated line directly connected to the route

[0086] The example pathway establishment process is as follows: establish a dedicated access point, establish an IPSec VPN tunnel through the APN private network channel, and register with the insurance company's private session border controller (SBC) using the SIP over TCP protocol.

[0087] Channel 3: IoT SIM card directly connects to the insurance company's private voice channel

[0088] The example channel establishment process is as follows: use the operator's VoLTE channel to directly dial the insurance company's claim hotline, and establish a VoLTE high-definition voice channel through the terminal's IoT card to directly dial the insurance company's claim hotline.

[0089] Channel 4: IoT SIM card - relay system - insurance company direct access channel

[0090] The example channel establishment process is as follows: a call is initiated through the terminal IoT card, and then the call system transfers the call to the insurance company's channel.

[0091] The present invention provides a vehicle accident handling method based on the above system, which can be applied to different scenarios.

[0092] In a user-triggered scenario: the vehicle terminal 200 responds to the SOS button trigger event and activates the positioning unit 205 to obtain positioning information; the vehicle terminal 200 sends a rescue request packet containing at least the vehicle terminal ID and positioning information to the cloud server 300 through the multi-mode communication module 203; the vehicle terminal 200 plays pre-loaded reassurance audio through the voice processing unit 206; the cloud server 300 establishes a two-way voice channel with the insurance company 400 based on the rescue request packet and executes button navigation sequence instructions; after the cloud server 300 identifies the human agent's access, it broadcasts key information about the case and establishes an end-to-end direct communication link between the vehicle terminal 200 and the insurance company's human agent terminal.

[0093] In a user-triggered scenario: The vehicle terminal 200 responds to the double-click SOS button trigger event by activating the positioning unit 205 to obtain positioning information; the vehicle terminal 300 sends a rescue request packet containing at least the vehicle terminal ID and positioning information to the cloud server 300 via the multi-mode communication module 203; the cloud server 300 establishes a two-way voice channel with the public security traffic management alarm platform 122 based on the rescue request packet and executes button navigation sequence instructions; the cloud server 300 identifies the key information of the case after a human operator connects, establishing an end-to-end direct communication link between the vehicle terminal 200 and the human operator terminal of the alarm platform. In this implementation, the double-click event can be determined based on the SOS button trigger interval. For example, when the main control unit 201 detects that the interval between two consecutive SOS button triggers is ≤150ms, it is determined to be a double-click event.

[0094] In an automatic collision trigger scenario: when the collision detection signal of the collision detection sensor 204 reaches a preset threshold, the vehicle terminal 200 acquires the location information and sends a rescue request packet containing at least the vehicle terminal ID and location information to the cloud server 300 through the multi-mode communication module 203; the vehicle terminal 200 plays compressed pre-loaded reassurance audio through the voice processing unit 206; the cloud server 300 establishes a two-way voice channel with the insurance company 400 based on the rescue request packet and executes key navigation sequence instructions; after the cloud server 300 identifies the human agent's access, it broadcasts key information about the case and establishes an end-to-end direct communication link between the vehicle terminal 200 and the insurance company's human agent terminal.

[0095] This invention upgrades the user experience by enabling one-click reporting / automatic collision reporting. After reporting, the vehicle owner's information / location information is automatically transmitted to the insurance company, effectively reducing the time spent on reporting and communication.

[0096] The method flow of the present invention will be described in detail below with reference to the embodiments.

[0097] like Figure 4 As shown, this is in the SOS alarm mode triggered by the user.

[0098] a) In response to the SOS button event, execute:

[0099] Activate the positioning unit to obtain geographic coordinates (longitude, latitude);

[0100] Send a rescue request packet containing the device ID and location data to the cloud server via a multi-mode communication system:

[0101] Vehicle terminal → Packed data → 4G / 5G → Carrier base station → Cloud server

[0102] The sample protocol format for packaged data is shown in the table below:

[0103]

[0104]

[0105] b) The voice processing unit is activated to play a pre-loaded soothing audio message. The audio characteristics include:

[0106] Psychological content related to road traffic accidents, lasting 30±5 seconds;

[0107] The main audio duration is locked at 30 seconds, with an allowance of ±5 seconds (25-35 seconds).

[0108] Segmented structure: Emergency guidance (5s) + emotional stabilization (15s) + action instructions (10s);

[0109] The aforementioned speech was generated using a TTS engine.

[0110] c) A two-way voice channel is automatically established with the insurance company during audio playback (executed by the cloud server):

[0111] In-vehicle terminal → Cloud server → Call center → Insurance company

[0112] d) After successfully establishing a two-way voice channel, the simulated human button navigation function is automatically triggered (executed by the cloud server):

[0113] Based on the preset insurance company identification code, the corresponding key navigation sequence instruction is retrieved from the mapping relationship database;

[0114] The key navigation sequence instruction consists of a delay unit (W) and numeric keys (N), wherein:

[0115] -W: Represents a 1-second silence or waiting interval;

[0116] **-N: Represents the specific number key to be simulated (0-9, #, etc.);*

[0117] The interval duration is precisely controlled by the delay control unit, and the corresponding digital key signals are automatically sent to the insurance company's voice system according to the sequence instructions by the DTMF signal generation module of the communication system.

[0118] For example: If the button navigation sequence corresponding to the insurance company is "WWW1WWW2", then the execution flow is as follows:

[0119] - After establishing a voice channel, remain silent for 1 second (W);

[0120] - Remain silent for 1 second (W);

[0121] - Remain silent for 1 second (W);

[0122] - Automatically simulates pressing the number key "1" and sends a DTMF signal;

[0123] - Remain silent for 1 second (W);

[0124] - Remain silent for 1 second (W);

[0125] - Remain silent for 1 second (W);

[0126] - Automatically simulates pressing the number key "2" and sends a DTMF signal.

[0127] After the preset key sequence is sent, the system enters voice call mode.

[0128] e) After completing the preset key sequence, perform human agent identification and channel switching (executed by the cloud server):

[0129] - The Voice Activity Detection (VAD) module is activated to monitor the audio stream of the voice channel in real time;

[0130] - The audio stream is transcribed in real time using the edge speech recognition engine and matched with a preset keyword library for pattern matching;

[0131] - When a preset trigger word (such as "Hello, how can I help you?") is identified in a continuous voice segment and the confidence level is ≥85%, it is determined that a human agent has connected.

[0132] -When a live agent connects, the key information of this report will be broadcast.

[0133] Example of a dynamic speech generation engine:

[0134] Text composition: Using the Jinja2 template engine to generate structured messages.

[0135] "The report was received via {{system}}, and the license plate number is {{plate}}."

[0136] "Phone {{phone|truncate(4)}}, please check location via {{mini program}}"

[0137] - Voice conversion: Real-time TTS conversion of messages

[0138] - After the audio output is completed, an end-to-end direct call link is established between the user terminal device and the insurance company's agent terminal.

[0139] In the automatic SOS alarm mode triggered upon collision.

[0140] a) When the device's accelerometer is triggered, it reads the acceleration information, packages it, and sends it to the cloud server. If the acceleration information meets a preset value, the cloud server determines it as a valid collision and automatically initiates a call.

[0141] Vehicle terminal → Packaged data → 4G / 5G → Carrier base station → Cloud server → Call center → Insurance company

[0142] -Location data acquisition and rescue package delivery (same as a in active SOS trigger mode);

[0143] -Play a compressed soothing audio (duration 15±3 seconds, other features are the same as b in the active SOS trigger mode);

[0144] - Automatically establish a voice channel (same as c in the active SOS trigger mode);

[0145] - Fully automatic button navigation (same as d in active SOS trigger mode, no user intervention required);

[0146] -After the human operator is identified and connected, the key information of the case is broadcast (same as e in the active SOS trigger mode).

[0147] In the above embodiments, the end-to-end call establishment process with insurance companies can also be applied to establishing end-to-end calls with public security traffic management alarm platforms. As the service and support capabilities of 4S car dealerships continue to improve, and as these dealerships can not only quickly connect with insurance companies and / or alarm platforms, but also have a better understanding of the vehicles they sell (e.g., mileage, maintenance status, etc.), in these embodiments, the technical solution provided by this invention can be used to establish calls with 4S car dealerships, either prioritizing or simultaneously. For example, the cloud server can simultaneously call both the 4S car dealership and the insurance company (or alarm platform), using the first connected call to establish an end-to-end call, so as to obtain timely assistance after an accident. In other embodiments, the system provided by this invention can also implement a "report safety" function, as illustrated in the example process below. Figure 6 As shown. To achieve the functionality of the system provided by this invention, the in-vehicle device can first be bound to the insurance policy via a cloud server or an insurance company's portal (e.g., a public account, WeChat mini-program, mobile app, etc.). For example, when the in-vehicle device is activated, the user can bind their personal electronic insurance policy from an insurance company (such as Ping An, PICC, Pacific Insurance, etc.). Through the system provided by this invention, linkage with the bound insurance assistance organization can be achieved during the claim reporting process.

[0148] Although the features and elements are described above in specific combinations, each feature or element can be used alone without other features and elements, or in various combinations with other features and elements, or not in combination. For example, elements in the assistance agency scenario and the alarm scenario can be substituted for each other according to the characteristics of different scenarios. Furthermore, in the various scenarios included in the assistance agency, if scenarios such as car sales and service 4S shops and repair shops do not have button navigation functionality, then the simulated human button navigation function may not be triggered. The methods or flowcharts described herein can be implemented in a computer program, software, or firmware incorporated into a computer-readable medium executed by a general-purpose computer or processor. Examples of computer-readable media include electronic signals (transmitted via wired or wireless connections) and computer-readable storage media. Examples of computer-readable storage media include, but are not limited to, read-only memory (ROM), random access memory (RAM), registers, cache memory, semiconductor storage devices, magnetic media such as built-in disks and removable disks, magneto-optical media, and optical media (e.g., CD-ROMs and digital multipurpose disks (DVDs)). The processor associated with the software can be used to implement a radio frequency transceiver used in a WTRU, UE, terminal, base station, RNC, or any host.

Claims

1. A vehicle-mounted intelligent rescue and insurance linkage system, characterized in that, include: The vehicle-mounted terminal communicates with a cloud server. The vehicle-mounted terminal includes a user interaction unit, a main control unit, and a multi-mode communication module connected to the main control unit, a collision detection sensor, a positioning unit, a voice processing unit, a camera unit, and a power management unit, wherein: The multi-mode communication module is configured to establish communication between the vehicle terminal and the cloud server; The collision detection sensor is configured to provide a collision detection signal to the main control unit; The positioning unit is configured to provide positioning information to the main control unit; The speech processing unit is configured to generate and play pre-loaded audio based on text-to-speech (TTS) technology according to the instructions of the main control unit. The camera unit is configured to continuously record a video stream while the vehicle is in motion; The power management unit is configured to provide switchable dual-channel power to the vehicle terminal; and The main control unit is configured to, based on the collision detection signal, package data including collision information, positioning information, and user information pre-bound to the vehicle terminal according to a preset data protocol, and send the packaged data to the cloud server through the multi-mode communication module; and The cloud server is configured to establish an end-to-end direct communication link between the vehicle terminal and the vehicle-associated support agency based on data received from the vehicle terminal.

2. The system according to claim 1, characterized in that, The cloud server is configured to, based on data received from the vehicle terminal, identify the assistance agency of the vehicle to which the vehicle terminal is installed, and establish a two-way voice channel with the assistance agency or the assistance agency's call center; and the cloud server is further configured to, based on a preset assistance agency identification code, retrieve key navigation sequence instructions from a mapping database, generate a dual-tone multi-frequency (DTMF) signal based on the key navigation sequence instructions, and send it to the voice system of the assistance agency or the call center via the two-way voice channel.

3. The system according to claim 2, characterized in that, The key navigation sequence instructions include delay instructions and numeric keypad instructions.

4. The system according to claim 2, characterized in that, The cloud server is configured to perform human agent identification after sending the DTMF signal, including: activating Voice Activity Detection (VAD) to monitor the audio stream of the voice channel in real time; retrieving keywords from the audio stream and matching them with a preset keyword database; and When a preset trigger word is identified from the audio stream and the confidence level reaches a preset value, it is determined that a human agent has connected.

5. The system according to claim 4, characterized in that, The cloud server is configured to broadcast key information of the insurance claim after determining that a human agent has connected, and to establish an end-to-end direct communication link between the vehicle terminal and the human agent terminal of the insurance assistance agency after the broadcast is completed.

6. The system according to claim 5, characterized in that, The cloud server is configured to broadcast key information in insurance claims, including: generating structured messages using the Jinja2 template engine based on data received from the vehicle terminal; performing TTS conversion on the generated messages; and outputting the TTS-converted audio.

7. The system according to claim 2, characterized in that, The main control unit is configured to instruct the voice processing unit to play pre-loaded audio while or after packaging the data.

8. The system according to claim 2, characterized in that, The user interaction unit is configured to receive user commands and / or display information to the user, and includes an SOS button and a status indicator connected to the main control unit.

9. The system according to claim 1, characterized in that, The multimode communication module includes an integrated cellular network module and a satellite communication module, which are used to realize cellular communication and satellite communication respectively. The multimode communication module is also configured to automatically select the communication module to use based on real-time signal strength RSSI and / or network latency.

10. The system according to claim 1, characterized in that, The shooting unit includes a video triggering module and a video processing module. The video triggering module is configured to lock a video stream segment of a predetermined duration before and after a collision based on the collision detection signal. The video processing module is configured to perform at least one of the following processing on the locked video stream segment: encoding compression, embedding timestamps, embedding positioning coordinates, and embedding collision intensity values.

11. The system according to claim 10, characterized in that, The main control unit is also configured to send the processed video stream segments to the cloud server via the multi-mode communication module.

12. The system according to claim 11, characterized in that, The cloud server is also configured to perform at least one of the following: associate and store the received video stream segments with the packaged data; generate a video summary and insert a structured report message; And after establishing an end-to-end direct communication link between the vehicle terminal and the support agency associated with the vehicle, a video access link is pushed to the support agency's operator terminal.

13. The system according to claims 1-12, characterized in that, The assistance organizations include at least one of the following: insurance companies, 4S car dealerships, repair shops, and vehicle emergency rescue companies.

14. A vehicle accident handling method based on the system of any one of claims 1-12, characterized in that, Includes the following steps: In user-triggered scenarios: The vehicle terminal responds to the SOS button trigger event and activates the positioning unit to obtain positioning information; The vehicle-mounted terminal sends a rescue request packet containing at least the vehicle-mounted terminal ID and location information to the cloud server through the multi-mode communication module. The vehicle-mounted terminal plays pre-loaded soothing audio through the voice processing unit; The cloud server establishes a two-way voice channel with the rescue organization based on the rescue request packet and executes key navigation sequence instructions; The cloud server identifies the access of a human agent and broadcasts key case information, establishing an end-to-end direct communication link between the vehicle-mounted terminal and the human agent terminal of the security agency.

15. The method according to claim 13, characterized in that, Includes the following steps: In user-triggered scenarios: The vehicle terminal responds to the double-click SOS button trigger event by activating the positioning unit to obtain positioning information; The vehicle-mounted terminal sends a rescue request packet containing at least the vehicle-mounted terminal ID and location information to the cloud server through the multi-mode communication module. The cloud server establishes a two-way voice channel with the public security traffic management alarm platform based on the rescue request packet, and executes key navigation sequence instructions; The cloud server identifies the key information of the case after the human agent connects, and establishes an end-to-end direct communication link between the vehicle terminal and the human agent terminal of the alarm platform.

16. The method according to claim 13, characterized in that, Includes the following steps: In scenarios where collisions are automatically triggered: When the collision detection signal of the collision detection sensor reaches a preset threshold, the vehicle terminal acquires the positioning information and sends a rescue request packet containing at least the vehicle terminal ID and positioning information to the cloud server through the multi-mode communication module. The vehicle-mounted terminal plays compressed pre-loaded soothing audio through the voice processing unit; The cloud server establishes a two-way voice channel with the rescue organization based on the rescue request packet and executes key navigation sequence instructions; The cloud server identifies the access of a human agent and broadcasts key case information, establishing an end-to-end direct communication link between the vehicle-mounted terminal and the human agent terminal of the security agency.

17. The method according to claim 16, characterized in that, The assistance organizations include at least one of the following: insurance companies, 4S car dealerships, repair shops, and vehicle emergency rescue companies.

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