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1. WO2020108144 - VEHICLE LOSS ASSESSMENT METHOD, DEVICE, AND SYSTEM EMPLOYING VEHICLE COMPONENT-LOSS DATA

Publication Number WO/2020/108144
Publication Date 04.06.2020
International Application No. PCT/CN2019/111519
International Filing Date 16.10.2019
IPC
G07C 5/08 2006.01
GPHYSICS
07CHECKING-DEVICES
CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
5Registering or indicating the working of vehicles
08Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
G06Q 30/02 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
G06Q 40/08 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08Insurance, e.g. risk analysis or pensions
CPC
G06Q 30/0283
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0283Price estimation or determination
G06Q 40/08
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08Insurance, e.g. risk analysis or pensions
G07C 5/0808
GPHYSICS
07CHECKING-DEVICES
CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
5Registering or indicating the working of vehicles
08Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
0808Diagnosing performance data
Applicants
  • 阿里巴巴集团控股有限公司 ALIBABA GROUP HOLDING LIMITED
Inventors
  • 史灵 SHI, Ling
Agents
  • 北京博思佳知识产权代理有限公司 BEIJING BESTIPR INTELLECTUAL PROPERTY LAW CORPORATION
Priority Data
201811462668.230.11.2018CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) VEHICLE LOSS ASSESSMENT METHOD, DEVICE, AND SYSTEM EMPLOYING VEHICLE COMPONENT-LOSS DATA
(FR) PROCÉDÉ D'ÉVALUATION DE PERTE DE VÉHICULE, DISPOSITIF, ET SYSTÈME UTILISANT DES DONNÉES DE PERTE DE COMPOSANT DE VÉHICULE
(ZH) 一种基于车辆部件损失数据的车辆定损方法、装置和系统
Abstract
(EN)
A vehicle loss assessment method employing vehicle component-loss data comprises: receiving one or more pieces of loss data from a target vehicle; separately comparing the one or more pieces of loss data to corresponding intact data; performing analysis according to a comparison result, and acquiring one or more loss coefficients of each vehicle component; and acquiring a claim amount according to the one or more loss coefficients. In the method, a final claim amount is calculated in real time on the basis of vehicle component-loss data of a vehicle that has had an accident, and combined with a quote for an available vehicle component and/or a repair quote, such that a reporting party and an insurance company are immediately provided with a clear report result, thereby saving time of the reporting party, reducing costs of the insurance company, standardizing a claim process, and avoiding an unnecessary claim objection and dispute.
(FR)
La présente invention porte sur un procédé d'évaluation de perte de véhicule utilisant des données de perte de composant de véhicule, consistant : à recevoir un ou plusieurs éléments de données de perte provenant d'un véhicule cible ; à comparer séparément lesdits éléments de données de perte à des données intactes correspondantes ; à réaliser une analyse en fonction d'un résultat de comparaison, et à acquérir un ou plusieurs coefficients de perte de chaque composant de véhicule ; et à acquérir un montant réclamé en fonction desdits coefficients de perte. Dans le procédé, un montant réclamé final est calculé en temps réel sur la base de données de perte de composant de véhicule d'un véhicule qui a eu un accident, et combiné à un devis pour un composant de véhicule disponible et/ou à un devis de réparation, de telle sorte qu'un résultat de rapport clair est immédiatement fourni à une partie déclarante et à une compagnie d'assurance, ce qui permet de faire gagner du temps à la partie déclarante, de réduire les coûts de la compagnie d'assurance, de standardiser un processus de réclamation, et d'éviter une objection de réclamation et un conflit superflus.
(ZH)
一种基于车辆部件损失数据的车辆定损方法,包括:从目标车辆接收一个或多个损失数据;分别将一个或多个损失数据与相对应的完好数据进行比较;根据比较的结果进行分析,得出各个车辆部件的一个或多个损失系数;根据一个或多个损失系数得到理赔金额。该方法基于出险车辆的车辆部件的损失数据,并结合可获取的车辆部件报价和/或维修报价,可以实时的计算出最终的理赔金额,从而第一时间告知报案人和保险公司一个明确的报案结果,节省了报案人的时间和保险公司的成本,还标准化了理赔流程,避免了不必要的理赔异议纠纷。
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