Car insurance underwriting claim settlement method, device and system based on block chain

Abstract

The invention provides a car insurance underwriting claim settlement method based on a block chain, a car insurance underwriting claim settlement system based on the block chain, a computer device anda computer readable storage medium, and relates to the technical field of insurance. The method comprises: constructing an alliance chain, adding all mechanisms to the alliance chain to serve as nodes of the alliance chain, achieving a consensus rule, and determining a car insurance intelligent contract; encrypting insurance policy information and diffusing the encrypted insurance policy information to the alliance chain, wherein the insurance policy information is generated after a user purchases insurance through a bank or an insurance company; and when a claim settlement application submitted by the user and corresponding to the insurance policy information is received, triggering the smart contract to perform claim settlement. By means of the block chain technology, the insurance product information, the insurance buying information, the circulation process and the claim settlement information are uploaded, full-process tracing is achieved, and the authenticity of the insurance policy and customer privacy encryption protection are guaranteed. Meanwhile, online automatic claim settlement of the insurance is achieved by means of the intelligent contract, various disputes are reduced, and the customer satisfaction is greatly improved.

Description

technical field [0001] The present invention relates to the technical field of insurance, in particular to insurance underwriting technology, specifically a block chain-based auto insurance underwriting claim method, block chain-based auto insurance underwriting claim equipment, business systems, computer equipment, and computer readable storage medium. Background technique [0002] This section is intended to provide a background or context for implementations of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] At present, with the public's increasing demand for auto insurance, there are more and more types of auto insurance, and there are more and more disputes between customers and insurance companies. The main problems focus on the following aspects: [0004] 1. Insurance companies have problems such as false information in the sales process of insurance products, opaque insura...

AI Technical Summary

Problems solved by technology

It usually takes a long time, and the insurance company claims are not standardized, and there are many customer disputes

[0005] 2. Customers use information asymmetry to defraud insurance

[0006] 3. The qualification of the insurance company is not complete, and there may be a phenomenon of running away, resulting in the failure of the customer to obtain a claim, or the failure of the insurance company to settle the claim due to a break in the capital chain

[0007] 4. Insufficient protection of customer data by insurance companies has resulted in the leakage of information of many policyholders, which has greatly disturbed the lives of policyholders

Images