A car insurance information system based on block chain technology

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 ...