Commercial insurance direct compensation quick compensation system and method based on block chain

Abstract

The invention provides a commercial insurance direct compensation quick compensation system based on a block chain, which comprises a blockchain platform-based login module, an insurance module and amedical module; the login module is used for providing a user login interface and an access interface; the insurance module comprises a creation unit, an application unit, a verification unit and a payment unit which are respectively used for creating and generating an insurance policy, applying for compensation, comparing and verifying compensation information and performing compensation payment;wherein the blockchain platform comprises an intelligent contract, a data layer and a plurality of nodes, the insurance module and the medical module upload insurance information and medical information through the intelligent contract, the data layer is used for storing various records, and the plurality of nodes are used for connecting the modules; according to the system and the method, the compensation can be directly applied and handled on the internet, the compensation efficiency is improved, the claim settlement risk of an insurance institution is reduced, the compensation period is shortened, and the time cost is saved.

Description

technical field [0001] The present invention relates to the technical field of blockchain, in particular to a system and method for commercial insurance direct compensation and fast compensation based on blockchain. Background technique [0002] Due to the characteristics of the industry, existing Internet insurance requires a large number of third-party certificates in various aspects of supervision and claim settlement, such as identity certificates provided by government agencies and medical records provided by medical institutions. Under the current model, these materials The collection and sorting of data often requires a lot of manpower and material resources to be completed offline, which cannot reflect the advantages of the Internet model. At the same time, the data collection methods are backward, and the authenticity of the proof materials cannot be guaranteed, and there is a risk of leakage of user privacy information. Due to the above factors The troubles and inf...

AI Technical Summary

Problems solved by technology

[0002] Due to the characteristics of the industry, existing Internet insurance requires a large number of third-party certificates in various aspects of supervision and claim settlement, such as identity certificates provided by government agencies and medical records provided by medical institutions. Under the current model, these materials The collection and sorting of data often requires a lot of manpower and material resources to be completed offline, which cannot reflect the advantages of the Internet model. At the same time, the data collection methods are backward, and the authenticity of the proof materials cannot be guaranteed, and there is a risk of leakage of user privacy information. Due to the above factors The troubles and influences have caused the market competitiveness of the existing commercial insurance quick compensation and direct compensation platform to decrease, and the practicability has dropped significantly

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