Vehicle insurance information system based on block chain, insurance policy registration method and claim settlement method

Abstract

The invention discloses a car insurance information system based on a block chain, an insurance policy registration method and a claim settlement method, and relates to the technical field of the Internet. The system comprises an insurance policy registration node, a loss assessment node and a claim settlement node which are set based on a block chain, the electronic insurance policy, the damage information, the claim settlement process data and the like of the vehicle are stored onto a block chain through the nodes; claim settlement processing is carried out on the claim settlement request through an intelligent contract on the claim settlement node to obtain claim settlement process data; by utilizing the characteristics of non-repudiation, non-tampering, safety, irreversibility and thelike of data stored in a decentralized block chain, electronic insurance policies, damage information and claim settlement process data of vehicles are more public, transparent and traceable, and thereliability of the data is improved; and the automatic performance function of the intelligent contract of the blockchain is also utilized to perform claim settlement on the insurance applicant, so that the trust between the insurance applicant and the underwriting institution in the aspect of the vehicle insurance claim settlement program is improved, and the vehicle insurance information systemis more robust and safer.

Description

technical field [0001] This application relates to the field of Internet technology, in particular to a blockchain-based auto insurance information system, policy registration method, and claim settlement method. Background technique [0002] Traditional auto insurance sales and claims are completed based on a centralized platform, relying on the integrity of policyholders, insurers, and insurance institutions. [0003] The traditional auto insurance sales process is that the policyholder fills out the policy; the insurer underwrites the policy, and issues the policy after the underwriting is passed; and the policyholder pays the insurance amount payable; the auto insurance sales process is completed. Secondly, in the traditional claim settlement process, the insurer promptly reports the case to the insurance agency and applies for a claim settlement; the insurance agency sends a claim adjuster to conduct a preliminary survey and damage assessment of the vehicle, and then th...

AI Technical Summary

Problems solved by technology

[0004] From the above process, it can be seen that both sales and claims are done manually, and the handling of events is subjective; especially in the process of claims, the final result of claims depends on the integrity of the claimants; policyholders tend to distrust The claim adjuster will have objections to the claim settlement results; the claim adjuster is likely to doubt the opinion of the policyholder, and even suspect that the policyholder is fraudulent; thus causing distrust between the two parties

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