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Insurance claim settlement method based on block chain, equipment and storage medium

A block chain and state storage technology, applied in the field of block chain, can solve the problems of high labor cost, difficult underwriting and low efficiency of claim settlement, etc., and achieve the effect of reducing low efficiency, saving manpower, and reducing fraud and insurance fraud

Pending Publication Date: 2021-06-11
HUNAN UNIV
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] On the one hand, the present invention provides a blockchain-based insurance claim settlement method to solve the technical problems of high labor costs, low claim settlement efficiency, high underwriting difficulty and high risk in the execution of existing insurance claims

Method used

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  • Insurance claim settlement method based on block chain, equipment and storage medium
  • Insurance claim settlement method based on block chain, equipment and storage medium
  • Insurance claim settlement method based on block chain, equipment and storage medium

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Embodiment Construction

[0059] It should be noted that the features in the embodiments and embodiments in the present application may be combined with each other in the case of an unable conflict. The present invention will be described in detail below with reference to the drawings.

[0060] For ease of understanding, the technical terms and multi-facets involved in the block chain network in the insurance claim method of the block chain are first explained.

[0061] The technical solution used in the present invention involves five roles such as applicant, insurance agencies, identification agencies, maintenance agencies, and nuclear compensation agencies, and in the area, including the applicant nodes, insurance agencies nodes. Identify agencies nodes, repair agencies nodes, checking agencies nodes, authorization nodes, and consensus nodes. among them:

[0062] The application of the application of the consumer of the insurance service is responsible for submitting the policy data and uploads the poli...

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Abstract

The invention discloses an insurance claim settlement method based on block chain, equipment and a storage medium, and the method completely publishes the information of an insurance claim settlement process on a chain through the block chain, achieves the digitization of the information and the automatic circulation in a block chain network, improves authenticity of data. And the claim settlement risk caused by the information authenticity problem is reduced. In addition, multi-party cooperation of insurance claim settlement is realized by using the block chain technology, a large number of intermediate links are reduced, the receipt transmission and auditing process is simplified, manpower, material resources, financial resources and time cost are saved, and the claim settlement process is faster and more intelligent. The electronic receipts cannot be tampered and forged, so that the authenticity of various receipts used in the business is ensured, the trust relationship among participants is enhanced, and the claim settlement process is safer and more efficient.

Description

Technical field [0001] The present invention relates to the field of block chains, and in particular, to a block-based insurance claim method, device, and storage medium. Background technique [0002] Insurance claims refer to other insurance accidents that have been damaged by insurance due to insurance accidents in the insurance labeled insurance, or the insurance company needs to pay the insurance premium, and the insurance company shall perform compensation or payment of responsibility according to the contract. the behavior of. [0003] Such as figure 1 As shown, the existing insurance claims business has the following deficiencies: [0004] 1. Human cost implementation in existing insurance claims is high. In the insurance policy, claims, material collection and other links require a lot of data support, the insurance company only has its own internal data, other important data cannot be obtained in time and effective, information is serious, leading to information acquisit...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q10/00G06Q10/10G06Q20/38G06Q20/40
CPCG06Q40/08G06Q10/20G06Q10/103G06Q20/3821G06Q20/3825G06Q20/3827G06Q20/3829G06Q20/4016
Inventor 马超群王鑫米先华周中定李信儒兰秋军万丽
Owner HUNAN UNIV
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