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A car insurance information system based on block chain technology

An information system and blockchain technology, applied in the application field of blockchain technology in insurance, can solve problems such as information asymmetry between insurance companies and policyholders, moral hazard, and inability of insurance companies to fully understand, so as to shorten the time for claim settlement. , the effect of safeguarding the public interest

Active Publication Date: 2021-10-15
SHANGHAI WEILIAN INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The insurance company has an information advantage in its own insurance products, but the policyholder cannot fully understand the information such as the credit rating and financial status of the insurance company, and is at an information disadvantage; 2) Information asymmetry between the insurance company and the policyholder
In the domestic auto insurance market, the vehicle condition information of the policyholder belongs to personal privacy, and the insurance company cannot fully understand it; 3) The opportunistic behavior of the policyholder leads to moral hazard

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0013] Embodiment 1: This embodiment specifies the structure of the automobile insurance information system based on block chain technology, as follows:

[0014] Automobile insurance information system includes report module, compensation module and query module; participants in auto insurance information system include car owner node, insurance company node and query node; car owner node refers to car owner, insurance company node refers to insurance company, and all the public can make inquiries node;

[0015] The report module includes a report interface, a time control unit, a damage assessment unit, and a case record unit, which are used to create blocks and record vehicle accident information. The recording process is as follows: the vehicle owner node inputs vehicle accident information, vehicle VI N code, vehicle owner node , purchased insurance information; the time control unit is used to judge whether the reporting time exceeds the scope, and within the scope of the...

Embodiment 2

[0020] Embodiment 2: This embodiment mainly illustrates the service architecture of the automobile insurance information system based on block chain technology, as follows:

[0021] The client of the automobile insurance information system is provided with a reporting interface, a vehicle owner user interface, a vehicle user interface, and an insurance company interface. After the accident occurs, the vehicle owner node inputs vehicle accident information, vehicle VIN code, vehicle owner node, and purchased insurance information through the report interface; the time control unit first judges whether the report time exceeds the range, and within the report time range, activates the damage assessment unit and dispatches The staff went to the accident site and the repair shop to investigate and determine the damage, and recorded the vehicle accident information and vehicle damage information in the block. After the joint signature of the car owner node and the insurance company n...

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PUM

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Abstract

The invention relates to an automobile insurance information system based on block chain technology, which includes a report module, a compensation module and a query module; the participants include a car owner node, an insurance company node and a query node. The auto insurance information system adds auto claims information to the distributed ledger in the form of blocks to ensure the authenticity of the data and cannot be tampered with; automatically controls the reporting time and adopts different processing plans; writes insurance company assets and claims process into Smart contracts can realize automatic claims settlement, which can not only shorten the claim settlement time, but also make the claims settlement process open to protect the public interest; a three-dimensional space traceability chain is designed, which can trace the information in three dimensions of people, vehicles and insurance companies.

Description

technical field [0001] The invention relates to the application field of block chain technology in insurance, and relates to an automobile insurance information system based on block chain technology. Background technique [0002] With the development of China's economy, auto insurance, as the largest type of property insurance, has been greatly developed. However, the operating conditions of auto insurance are not optimistic, the loss rate has been high, and the entire industry is facing losses. In the domestic auto insurance market, due to the many cars and narrow roads and the number of novices, traffic accidents occur frequently, and the insurance premiums collected by insurance companies are not enough to cover the auto repair costs of auto repair companies. The root of this adverse selection effect is that the information held by insurance companies is incomplete. In the auto insurance market, individual risk factors are complex and diverse, so information asymmetry ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q30/00G06Q40/08
CPCG06Q30/0185G06Q40/08
Inventor 陆扬
Owner SHANGHAI WEILIAN INFORMATION TECH CO LTD
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