Vehicle insurance loss assessment and claim settlement system and method, apparatus and storage medium

A technology of loss assessment and vehicle, applied in the field of blockchain, can solve the problems of complex loss assessment process, inability to ensure the authenticity of information and data, limited application, etc., to achieve the effect of improving the efficiency of loss assessment

Inactive Publication Date: 2018-12-14
HANGZHOU FUZAMEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This patent still has the problem of a long time to determine the damage. The damage determination process is more convenient for traffic accidents such as scratches and bumps. However, for traffic accidents with serious damage and casualties, the damage determination process is more complicated, and there may be application limitations. Although the auto claim information is added to the distributed ledger in the form of blocks, which can ensure the authenticity of the data and cannot be tampered with, it cannot ensure the authenticity of the above information data itself

Method used

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  • Vehicle insurance loss assessment and claim settlement system and method, apparatus and storage medium
  • Vehicle insurance loss assessment and claim settlement system and method, apparatus and storage medium
  • Vehicle insurance loss assessment and claim settlement system and method, apparatus and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0061] Such as figure 1 , 2 As shown, a method for vehicle damage determination and claim settlement includes the following steps:

[0062] S101. The user collects the accident data and sends it to the blockchain system; the user collects the accident data according to the requirements of the insurance company. The accident data includes the license plate number of the relevant vehicle at the accident scene, the driver's driver's license, ID card information, the location of the accident, the vehicle Photos and videos of damage, photos and videos of casualties and other data related to the accident, the blockchain system has a distributed storage function to store accident data, the users here can be both parties of the vehicle in the accident, or It is the passing crowd. In order to increase the real source of accident data, the blockchain system is used to issue Token rewards to encourage user participation, gain user trust, increase the amount of accident data, and provide...

Embodiment 2

[0069] Such as Figure 4 As shown, a vehicle loss assessment and claim settlement method is further improved on the basis of Embodiment 1. In S104, the insurance company provides the loss assessment result and claim settlement plan; the insurance company provides the accident assessment result based on the accident data and claims settlement. The vehicle is sent to the repair shop. If the repair shop’s loss assessment result and claim settlement plan differ from the insurance company’s, the repair shop’s loss assessment result and claim settlement plan will also be recorded on the blockchain system. As a further improvement plan, the maintenance The data recorded in the blockchain system also includes vehicle accessories information for AI to learn and optimize algorithms, in preparation for AI's independent output of loss assessment results and claims settlement plans.

Embodiment 3

[0071] Such as Figure 5 As shown, a vehicle damage assessment and claim settlement system includes an accident data acquisition module, which is used to collect accident data and send it to the blockchain system; a data audit module, which is used to audit accident data; Claim settlement plan; blockchain system, used to receive and store accident data, damage assessment results and claim settlement plan, and issue tokens.

[0072] The user collects the accident data through the accident data collection module and sends it to the blockchain system. The insurance company reviews the accident data through the data audit module. If the accident data is true, the blockchain system issues tokens to the user and the insurance company; the insurance company uses it to give As for the loss assessment results and claim settlement plan, the blockchain system performs a hash operation on the received accident data, loss assessment results and claim settlement scheme, and the hash value i...

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Abstract

The invention discloses a vehicle insurance loss assessment and claim settlement system and method, an apparatus and a storage medium, belonging to the technical field of block chains. By rewarding Token to the user, real and reliable accident data can be obtained for AI to learn; after the ai algorithm is optimized, the block chain system can give the result of loss determination and claim settlement according to the accident data, which enables the user to interact with the block chain in the form of intelligent contract by purchasing Token directly. Without the participation of insurance company, the block chain system can automatically determine the loss and claim settlement, thus reducing the insurance purchase cost and improving the traffic accident processing efficiency.

Description

technical field [0001] The present invention relates to the technical field of blockchain, and in particular to a system, method, device and storage medium for vehicle insurance loss assessment and settlement. Background technique [0002] With more and more residents' vehicles and travel, traffic accidents are also showing a rapid growth trend year by year. When an accident occurs, the ordinary damage assessment process is that both car owners wait for the traffic police and contact their respective insurance companies. The whole process of on-site inspection and survey and photography, damage assessment by the damage assessor, settlement of the claim, and closing the case takes a long time, hindering traffic flow and wasting the precious time of the accident owner, and the processing efficiency is low. [0003] In order to solve the above problems, some companies have tried to combine artificial intelligence AI (Artificial Intelligence) technology or other algorithm techno...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/10G06Q40/08
CPCG06Q10/103G06Q40/08
Inventor 马登极吴思进王志文
Owner HANGZHOU FUZAMEI TECH CO LTD
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