Insurance claim settlement method and device based on alliance chain, electronic equipment and storage medium

Abstract

The embodiment of the invention provides an insurance claim settlement method and device based on an alliance chain, electronic equipment and a storage medium, and belongs to the technical field of financial science and technology and block chain storage. The method comprises the following steps: carrying out claim settlement loss identification on claim settlement application information by utilizing an identification platform to obtain identified claim settlement loss data; and performing claim settlement on the claim settlement application information according to the claim settlement condition, the effective insurance policy information and the claim settlement loss identification data, and storing the obtained target claim settlement data in the alliance chain. According to the embodiment of the invention, the claim settlement loss identification is carried out on the claim settlement application information, detailed and accurate evaluation about the claim settlement loss is provided, claim settlement is carried out on the claim settlement application information according to the claim settlement condition, the effective insurance policy information and the claim settlement loss identification data, automation of claim settlement processing is realized, the claim settlement efficiency is improved, and the claim settlement experience is improved. And the target claim settlement data is stored in the alliance chain, so that the non-tampering and traceability of the data are ensured, and the security of insurance claim settlement is improved.

Description

Technical Field

[0001] The present application relates to the fields of financial technology and blockchain storage technology, and in particular to an insurance claims method and device, electronic device and storage medium based on a consortium chain. Background Art

[0002] At present, the insurance claims process based on blockchain mainly relies on public or private chain technology. For example, after a vehicle accident occurs, a claim application is submitted through an online auto insurance claims system based on blockchain. The system will automatically review the information provided by the owner and the auto insurance information recorded on the blockchain (such as policy details, vehicle information, historical claims records, etc.). After the review is passed, the system will automatically transfer the claim amount to the owner's account and record the information of the entire claims process on the blockchain for all participants to view and verify. However, this method requires that the public chain data be open to all participants, making user privacy easy to leak, resulting in a large number of malicious insurance fraud and tampering in the insurance claims process, resulting in poor security of insurance claims. Therefore, how to improve the security of insurance claims has become an urgent problem to be solved. Summary of the invention

[0003] The main purpose of the embodiments of the present application is to propose an insurance claims method and device, electronic device and storage medium based on a consortium chain, aiming to improve the security of insurance claims.

[0004] To achieve the above objectives, the first aspect of the embodiments of the present application proposes an insurance claims settlement method based on a consortium chain, the method comprising:

[0005] In response to an insurance claim request, obtaining user insurance data and claim application information from a preset alliance chain; wherein the user insurance data includes user identity information and insurance policy information;

[0006] Using a preset insurance smart contract to perform a legitimacy check on the user's identity information to obtain identity verification data; wherein the identity verification data includes legal identity information;

[0007] Based on the legal identity information and the insurance smart contract, the insurance policy information is tested for validity to obtain insurance policy verification data; wherein the insurance policy verification data includes valid insurance policy information;

[0008] Based on the valid insurance policy information and the preset appraisal platform, the claim application information is appraised for claim loss to obtain appraisal claim loss data;

[0009] Obtain the claim conditions of the preset claim smart contract, make a claim for the claim application information according to the claim conditions, the valid policy information and the identified claim loss data, obtain the target claim data, and store the target claim data in the alliance chain.

[0010] In some embodiments, the claim settlement is performed on the claim application information according to the claim settlement conditions, the valid insurance policy information and the identified claim loss data to obtain target claim settlement data, including:

[0011] Perform matching condition detection on the claim application information according to the claim settlement smart contract, the claim settlement conditions and the insurance policy information to obtain matching claim application data;

[0012] The claim application information is processed for claim settlement and payment according to the valid insurance policy, the identified claim loss data and the matched claim application data to obtain the target claim data.

[0013] In some embodiments, the claim loss appraisal of the claim application information based on the valid insurance policy information and a preset appraisal platform to obtain the appraisal claim loss data includes:

[0014] Using the identification platform to perform a claim voucher legitimacy check on the claim application information to obtain claim application verification data; the claim application verification data includes legal claim application information;

[0015] Based on the legitimate claim application information and the valid insurance policy information, the claim application information is tested for claim loss extent to obtain claim loss extent data;

[0016] The claim application information is evaluated for compensation scope based on the claim loss extent data and the valid insurance policy information to obtain the evaluated claim loss data.

[0017] In some embodiments, the use of a preset insurance smart contract to perform an identity legitimacy check on the user identity information to obtain identity verification data includes:

[0018] Responding to a user identity verification request, obtaining an identity verification code;

[0019] Using the insurance smart contract to obtain the authentication identity information of the identity authentication code from the alliance chain;

[0020] The user identity information is verified for legitimacy based on the authentication identity information to obtain the identity authentication data.

[0021] In some embodiments, the validity detection of the insurance policy information based on the legal identity information and the insurance smart contract to obtain the insurance policy verification data includes:

[0022] Obtain the policy rules of the insurance smart contract and the rule function of the policy rules;

[0023] The policy field data of the insurance policy information is obtained, and the validity of the policy field data is checked using the rule function and the policy rule to obtain the policy verification data.

[0024] In some embodiments, storing the target claim data in the alliance chain includes:

[0025] Encrypting the target claim data to obtain encrypted claim data;

[0026] Obtaining the master node of the alliance chain, and sending the encrypted claim data to the master node, using the master node to perform signature verification on the encrypted claim data to obtain encrypted verified claim data; the encrypted verified claim data includes signed claim data;

[0027] Obtain the child nodes of the alliance chain, and use the master node to broadcast the signed claim data to the child nodes, verify the validity of the signed claim data according to the preset consensus mechanism and the child nodes, and obtain valid claim data;

[0028] The master node is used to store the valid claim data in a new block in the alliance chain, and the information of the new block is broadcast to the child node, and the child node is used to store the valid claim data in the new block of the child node.

[0029] In some embodiments, after the claim application information is processed according to the claim settlement conditions, the valid insurance policy information and the identified claim loss data to obtain target claim settlement data, the method further includes:

[0030] Obtaining on-chain claims data from the consortium chain;

[0031] Obtain off-chain claims data from the preset off-chain system;

[0032] Constructing a two-way trigger mechanism for the alliance chain and the off-chain system;

[0033] In response to a data update instruction to update the on-chain claims data, the off-chain claims data is synchronously updated through the two-way trigger mechanism; or, in response to a data update instruction to update the off-chain claims data, the on-chain claims data is synchronously updated through the two-way trigger mechanism.

[0034] To achieve the above-mentioned purpose, the second aspect of the embodiment of the present application proposes an insurance claim settlement device based on a consortium chain, the device comprising:

[0035] The insurance data and claim information acquisition module is used to respond to the insurance claim request and obtain the user's insurance data and claim application information from the preset alliance chain; wherein the user's insurance data includes user identity information and insurance policy information;

[0036] An identity legitimacy detection module, used to perform an identity legitimacy detection on the user identity information using a preset insurance smart contract to obtain identity verification data; wherein the identity verification data includes legal identity information;

[0037] A validity detection module, used to perform validity detection on the insurance policy information based on the legal identity information and the insurance smart contract to obtain policy verification data; wherein the policy verification data includes valid policy information;

[0038] A claim loss appraisal module, used to conduct a claim loss appraisal on the claim application information based on the valid policy information and a preset appraisal platform to obtain appraisal claim loss data;

[0039] The claim settlement module is used to obtain the claim settlement conditions of the preset claim settlement smart contract, settle the claim settlement application information according to the claim settlement conditions, the valid policy information and the identified claim settlement loss data, obtain the target claim settlement data, and store the target claim settlement data in the alliance chain.

[0040] To achieve the above objectives, a third aspect of an embodiment of the present application proposes an electronic device, which includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the method described in the first aspect is implemented.

[0041] To achieve the above-mentioned purpose, the fourth aspect of an embodiment of the present application proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method described in the first aspect is implemented.

[0042] The insurance claim method and device, electronic device and storage medium based on alliance chain proposed in the present application obtain user insurance data and claim application information from a preset alliance chain in response to an insurance claim request; wherein the user insurance data includes user identity information and insurance policy information; the user identity information is subjected to a legitimacy check using a preset insurance smart contract to obtain identity authentication data; wherein the identity authentication data includes legal identity information; the insurance policy information is subjected to a validity check based on the legal identity information and the insurance smart contract to obtain policy verification data; wherein the policy verification data includes valid policy information; the claim application information is subjected to a claim loss appraisal based on the valid policy information and a preset appraisal platform to obtain appraisal claim loss data; the claim conditions of the preset claim smart contract are obtained, and the claim application information is subjected to a claim according to the claim conditions, the valid policy information and the appraisal claim loss data to obtain the target claim data, and the target claim data is stored in the alliance chain. This application first uses the insurance smart contract to check the legitimacy of the user's identity information to obtain legal identity information, which can ensure that only legal users can apply for claims and effectively prevent the occurrence of fraud. It also verifies the validity of the insurance information based on the legal identity information and the insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of the security of claims. Secondly, based on the valid policy information and the preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of the claim losses. Finally, the claim application information is paid according to the claim conditions, valid policy information and the appraisal claim loss data, which realizes the automation of claim processing and improves the efficiency of claims. By storing the target claim data in the alliance chain, the data is ensured to be tamper-proof and traceable, thereby improving the security of insurance claims. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] Figure 1 It is a flow chart of an insurance claims settlement method based on alliance chain provided in an embodiment of the present application;

[0044] Figure 2 yes Figure 1 Flow chart of step S102 in FIG.

[0045] Figure 3 yes Figure 1 Flow chart of step S103 in FIG.

[0046] Figure 4 yes Figure 1 Flow chart of step S104 in FIG.

[0047] Figure 5 yes Figure 1 Flow chart of step S105 in FIG.

[0048] Figure 6yes Figure 1 Another flow chart of step S105 in;

[0049] Figure 7 is another flow chart of the insurance claims settlement method based on the alliance chain provided in the embodiment of the present application;

[0050] Figure 8 It is a structural diagram of an insurance claim settlement device based on a consortium chain provided in an embodiment of the present application;

[0051] Fig. 9 It is a schematic diagram of the hardware structure of the electronic device provided in the embodiment of the present application. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0053] It should be noted that, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0054] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0055] Based on this, the embodiments of the present application provide an insurance claims method and device, an electronic device and a storage medium based on an alliance chain, aiming to improve the security of insurance claims.

[0056] The insurance claims settlement method and device based on the alliance chain, electronic device and storage medium provided in the embodiments of the present application are specifically illustrated through the following embodiments. First, the insurance claims settlement method based on the alliance chain in the embodiments of the present application is described.

[0057] The insurance claim settlement method based on the alliance chain provided in the embodiment of the present application relates to the fields of financial technology and blockchain storage technology. The insurance claim settlement method based on the alliance chain provided in the embodiment of the present application can be applied to the terminal, can also be applied to the server side, and can also be software running in the terminal or the server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or a server cluster or distributed system composed of multiple physical servers, and can also be configured as a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application that implements the insurance claim settlement method based on the alliance chain, etc., but is not limited to the above forms.

[0058] The present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0059] It should be noted that in each specific implementation of the present application, when it comes to the need to perform relevant processing based on data related to the user's identity or characteristics such as user identity information, insurance policy information, and claim application information, the user's permission or consent will be obtained first, and the collection, use, and processing of these data will comply with relevant laws, regulations, and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.

[0060] Figure 1 This is an optional flow chart of the insurance claims method based on the alliance chain provided in the embodiment of the present application. Figure 1The method may include but is not limited to steps S101 to S105.

[0061] Step S101, in response to an insurance claim request, obtain user insurance data and claim application information from a preset alliance chain; wherein the user insurance data includes user identity information and insurance policy information.

[0062] Step S102, use the preset insurance smart contract to perform identity legitimacy detection on the user's identity information to obtain identity verification data; wherein the identity verification data includes legal identity information.

[0063] Step S103, based on the legal identity information and the insurance smart contract, the insurance policy information is checked for validity to obtain the policy verification data; wherein the policy verification data includes valid policy information.

[0064] Step S104, based on the valid insurance policy information and the preset appraisal platform, the claim application information is appraised for claim loss to obtain appraised claim loss data.

[0065] Step S105, obtain the claim conditions of the preset claim smart contract, make a claim for the claim application information according to the claim conditions, valid policy information and identified claim loss data, obtain the target claim data, and store the target claim data in the alliance chain.

[0066] Steps S101 to S105 shown in the embodiment of the present application, by responding to an insurance claim request, obtain user insurance data and claim application information from a preset alliance chain; wherein, the user insurance data includes user identity information and insurance policy information; use a preset insurance smart contract to perform an identity legitimacy check on the user identity information to obtain identity authentication data; wherein the identity authentication data includes legal identity information; based on the legal identity information and the insurance smart contract, the insurance policy information is tested for validity to obtain policy verification data; wherein the policy verification data includes valid policy information; based on the valid policy information and a preset appraisal platform, the claim application information is appraised for claim loss to obtain appraised claim loss data; obtain the claim conditions of the preset claim smart contract, make a claim for the claim application information according to the claim conditions, the valid policy information and the appraised claim loss data to obtain the target claim data, and store the target claim data in the alliance chain. This application first uses the insurance smart contract to check the legitimacy of the user's identity information to obtain legal identity information, which can ensure that only legal users can apply for claims and effectively prevent the occurrence of fraud. It also verifies the validity of the insurance information based on the legal identity information and the insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of the security of claims. Secondly, based on the valid policy information and the preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of the claim losses. Finally, the claim application information is paid according to the claim conditions, valid policy information and the appraisal claim loss data, which realizes the automation of claim processing and improves the efficiency of claims. By storing the target claim data in the alliance chain, the data is ensured to be tamper-proof and traceable, thereby improving the security of insurance claims.

[0067] In step S101 of some embodiments, specifically, the alliance chain is a specific application form of blockchain, which is between the public chain and the private chain. In the alliance chain, only authorized participants can access and participate in the maintenance of the blockchain.

[0068] Specifically, user insurance data includes user identity information and insurance policy information.

[0069] Specifically, user identity information refers to the identity information of users who have successfully purchased insurance and have generated claims, and the user identity information includes but is not limited to user name, user age, user ID number, and user telephone number.

[0070] Specifically, the insurance policy information refers to the insurance policy information that the user has successfully insured, and the insurance policy information includes but is not limited to the insurance type, insurance period and insurance amount.

[0071] Specifically, user identity information and insurance policy information are stored in the alliance chain. Before the user identity information is stored in the alliance chain, the user initiates an identity authentication request on the public security system and provides identity authentication data (such as ID card data). The public security system verifies the documents and authentication information submitted by the user. After the verification is passed, an identity authentication code is generated through encryption technology. The identity authentication data is further encrypted and signed, recorded on the alliance chain, and the hash value of the identity authentication information is stored at the same time.

[0072] In an optional embodiment of the present application, before obtaining the insurance policy information, the initial policy information filled in by the insured user on the front-end page is obtained, and the user identity of the insured user is retrieved through the alliance chain to determine whether it exists, and whether the credit of the insured user is good. When it is confirmed that the user identity authentication has passed and the user's credit is determined to be good, the blockchain hash, insurance type hash, policy file hash, timestamp and public key transaction information of the initial policy information are generated, and a request to upload to the alliance chain is initiated based on the blockchain hash, insurance type hash, policy file hash, timestamp and public key transaction information. The initial policy information is subjected to a policy generation operation through each node and consensus algorithm of the alliance chain to obtain the insurance policy information, and the insurance policy information is sent to the insurance management platform to determine that the insurance is completed.

[0073] Specifically, claim application information refers to the claim voucher information submitted by the user, including but not limited to report information, insured person information, accident scene photos and claim amount.

[0074] In this embodiment, by obtaining user insurance data and claim application information from the preset alliance chain, the accuracy and traceability of the data stored in the alliance chain are ensured, and the distributed nature of the alliance chain makes the data difficult to be tampered with, which effectively improves the credibility of the data and facilitates the security of subsequent insurance claims.

[0075] See also Figure 2 In some embodiments, step S102 includes but is not limited to steps S201 to S203:

[0076] Step S201, in response to a user identity authentication request, obtaining an identity authentication code.

[0077] Step S202, using the insurance smart contract to obtain the authentication identity information of the identity authentication code from the alliance chain.

[0078] Step S203, verifying the legitimacy of the user identity information according to the authentication identity information to obtain identity authentication data.

[0079] In step S201 of some embodiments, specifically, the identity authentication code is a string of numbers and letters, and the identity authentication code is used to represent a unique identifier of the user identity.

[0080] In step S202 of some embodiments, specifically, the insurance smart contract is a program running on the blockchain, which can automatically execute the terms of the contract when the contract conditions are met, and can be executed without the intervention of a third party. In addition, the smart contract execution process is transparent, and all participants in the alliance chain can see the terms and execution of the contract.

[0081] Specifically, the insurance smart contract is a logical code program determined based on preset policy rules and insurance functions. The insurance smart contract is used to verify the legitimacy of user identity information and the validity of insurance policy information.

[0082] Specifically, identity authentication information refers to the identity information of the user that has been verified on the public security system and stored in the alliance chain.

[0083] Specifically, the insurance smart contract will search for the authentication identity information corresponding to the identity authentication code on the alliance chain based on the identity authentication code.

[0084] In step S203 of some embodiments, specifically, the identity verification data includes legal identity information, which is usually consistent with the user identity information, including but not limited to user name, user age, user ID number, user phone number, etc.

[0085] Specifically, obtain the identity authentication information hash value and the user identity information hash value, and match the identity authentication information hash value with the user identity information hash value. If the identity hash value matches successfully, it means that the identity authentication data is legal identity information. If the identity hash value matches unsuccessfully, it means that the identity authentication data is illegal identity information.

[0086] In this embodiment, the legitimacy of the user identity information is verified based on the authentication identity information to obtain identity authentication data, ensuring that only legitimate users can make subsequent claims applications, thereby preventing the occurrence of fraud and improving the security of subsequent insurance claims.

[0087] See also Figure 3 In some embodiments, step S103 includes but is not limited to steps S301 to S302:

[0088] Step S301, obtain the policy rules of the insurance smart contract and the rule function of the policy rules.

[0089] Step S302, obtaining the policy field data of the insurance policy information, and using the rule function and policy rules to perform validity check on the policy field data to obtain policy verification data.

[0090] In step S301 of some embodiments, specifically, the policy rules are determined based on actual application scenarios. For example, in the insurance field, the policy rules may be that the insured user must continue to meet age requirements, the insured user must regularly update health information to ensure that there are no major diseases specified in the insurance contract, the policy has not had excessive claims or violations of insurance terms, and the policy period has not expired.

[0091] Specifically, a rule function refers to a logic code function that implements the corresponding policy rules. For example, in the insurance field, the rule function that requires the insured user to continuously meet the age requirement can be VerifyAge, which is used to check whether the insured user's age meets the requirement; the rule function that requires the insured user to regularly update health information can be VerifyHealthStatus, which is used to check whether the insured user suffers from a major disease specified in the policy contract, etc.

[0092] In step S302 of some embodiments, specifically, since the insurance policy information is stored in a table format, the key value and value of each field in the insurance policy information can be obtained.

[0093] Specifically, the policy field data may include insurance category, insured age, insurance period, number of policy claims, and health condition of the insured user.

[0094] Specifically, when the insurance smart contract is executed, the validity of each policy field data in the insurance policy information is verified based on the policy rules by calling the rule function. Only when the validity verification of each policy field data passes, the insurance policy information becomes valid policy information.

[0095] For example, in the insurance field, if the policy rule is that the insured user's age is not more than 65 years old, the VerifyAge function is called to check whether the insured user's age is more than 65 years old. If it is determined that the insured user's age is not more than 65 years old, it means that the insured age field is valid.

[0096] In this embodiment, by utilizing rule functions and policy rules to perform validity checks on policy field data and obtaining policy verification data, automatic policy detection can be achieved, the efficiency of policy validity detection is improved, and the fairness and transparency of the smart contract execution validity detection process is ensured.

[0097] See also Figure 4 In some embodiments, step S104 includes but is not limited to steps S401 to S403:

[0098] Step S401, using the appraisal platform to perform a claim voucher legitimacy check on the claim application information to obtain claim application verification data; the claim application verification data includes legal claim application information.

[0099] Step S402, based on the legitimate claim application information and the valid insurance policy information, the claim application information is tested for claim loss extent to obtain claim loss extent data.

[0100] Step S403, based on the claim loss extent data and the valid insurance policy information, the claim application information is evaluated for compensation scope to obtain the evaluated claim loss data.

[0101] In step S401 of some embodiments, specifically, the appraisal platform is determined based on different types of insurance. For example, if the insured insurance type is auto insurance, the corresponding auto insurance appraisal platform is the official platform of the insurance company; if the insured insurance type is medical insurance, the corresponding medical insurance appraisal platform is the official platform of the insurance company or a professional medical information service platform.

[0102] Specifically, the claim application verification data includes legitimate claim application information, where legitimate claim application information refers to data that is confirmed to be authentic after authenticity detection of the claim application information.

[0103] For example, in the insurance field, the claim application information is the claim materials submitted by the insured user (including accident scene images, vehicle damage images, vehicle insurance policy information, etc.). By querying the policy number of the vehicle insurance policy information on the front end of the insurance claim system, it is checked whether the policy exists, and the policy beneficiary is verified. The accident scene images and vehicle damage images are authenticated. When all claim materials are determined to be authentic, it means that the claim voucher has passed the legality check, and the claim application information is used as legal claim application information.

[0104] In this embodiment, by utilizing the identification platform to perform a legitimacy check on the claim application information and the claim voucher, the authenticity of the claim application information can be preliminarily identified, thereby ensuring the security of subsequent insurance claims.

[0105] In step S402 of some embodiments, specifically, firstly, based on the legitimate claim application information, a field survey is conducted on the description of the claim application information and the accident details are recorded, so as to determine the severity of the damage to the insured user or the insured property.

[0106] For example, in the insurance field, if the claim application information is vehicle accident information, the appraisal platform will conduct an inspection based on the traffic accident scene, determine the facts, causes and responsibilities of the insured user, issue a traffic accident identification certificate, and further inspect the damaged vehicle, record the vehicle's brand, model, age and damaged parts in detail, and issue a vehicle damage assessment report to clarify the extent of the vehicle loss and repair recommendations.

[0107] In step S403 of some embodiments, specifically, whether the vehicle insurance accident falls within the scope of insurance liability is reviewed based on the policy terms of the vehicle insurance policy information, and the scope of compensation (including vehicle repair costs, personal injury compensation, etc.) is determined based on the contract agreement in the vehicle insurance policy information, and the vehicle repair costs or actual value loss of the vehicle are calculated based on the vehicle damage assessment report in the claim loss extent data, the insurance terms, insured amount, and compensation ratio in the vehicle insurance policy information. For losses that fall within the exemption clause, it is determined that they are not within the scope of compensation.

[0108] In this embodiment, by evaluating the compensation scope of the claim application information based on the claim loss extent data and valid policy information, a detailed and accurate assessment of the claim loss can be provided, which is convenient for improving the accuracy of insurance claims in the future.

[0109] See also Figure 5 In some embodiments, step S105 includes but is not limited to steps S501 to S502:

[0110] Step S501, perform matching condition detection on the claim application information according to the claim smart contract, claim conditions and insurance policy information to obtain matching claim application data.

[0111] Step S502, based on the valid insurance policy, the identified claim loss data and the matched claim application data, the claim application information is processed for claim settlement and payment to obtain the target claim data.

[0112] In step S501 of some embodiments, specifically, the claim settlement smart contract includes claim settlement conditions, which are determined based on actual business scenarios. For example, in the insurance field, the claim settlement conditions correspond to the contract terms of the insurance information, and the claim settlement conditions can be determined based on the type of accident, the extent of loss, and the time of reporting.

[0113] Specifically, the claim application information is tested through the claim smart contract to determine whether the accident type falls within the coverage of the insurance policy information, whether the degree of loss of the insured property or the insured user meets the compensation standard, and whether the reporting time is within the contractual period of the insurance policy information. The claim application information that meets the above claim conditions will be used as matching claim application data.

[0114] In step S502 of some embodiments, specifically, the target claim data includes but is not limited to claim application time, compensation amount and compensation time, etc.

[0115] Specifically, the claims smart contract automatically calculates the compensation amount based on the valid insurance policy, identified claim loss data and matching claim application data, and generates a payment instruction. According to the payment instruction, the compensation amount is transferred to the bank account or payment platform designated by the insured user, thereby realizing insurance claims.

[0116] In this embodiment, the claim application information is processed for claim settlement and payment based on the valid insurance policy, the identified claim loss data and the matched claim application data to obtain the target claim data. An efficient, accurate and transparent claim process is achieved through the claim smart contract to ensure the fairness of the claim process. The automation of claim processing is also achieved, thereby improving the efficiency of claims settlement.

[0117] See also Figure 6 In some embodiments, step S105 further includes but is not limited to steps S601 to S604:

[0118] Step S601, encrypt the target claim data to obtain encrypted claim data.

[0119] Step S602, obtain the master node of the alliance chain, and send the encrypted claim data to the master node, use the master node to perform signature verification on the encrypted claim data to obtain encrypted verified claim data; the encrypted verified claim data includes signed claim data.

[0120] Step S603, obtain the child nodes of the alliance chain, and use the main node to broadcast the signed claim data to the child nodes, verify the validity of the signed claim data according to the preset consensus mechanism and child nodes, and obtain valid claim data.

[0121] Step S604: Use the master node to store the valid claim data in a new block in the alliance chain, broadcast the information of the new block to the child node, and use the child node to store the valid claim data in the new block of the child node.

[0122] In step S601 of some embodiments, specifically, the encrypted claim data is data obtained by encrypting the target claim data.

[0123] Specifically, the target claims data may be converted into a hash value through a hash algorithm to achieve data encryption.

[0124] In this embodiment, the target claim data is encrypted to obtain encrypted claim data, thereby ensuring the security of the target claim data during transmission.

[0125] In step S602 of some embodiments, specifically, the master node is responsible for coordinating the operation of the entire alliance chain, including the addition of new nodes, preliminary verification of claims transactions, and triggering of consensus mechanisms, to ensure that only authorized new nodes can join the alliance chain.

[0126] Specifically, the encrypted claim data is sent to the master node, and the master node is used to verify the digital signature of the encrypted claim data (including data format, digital signature validity, etc.), and after the digital signature verification is passed, the signed claim data is obtained. Among them, the digital signature verification generates a digital signature of the encrypted claim data through the private key of an asymmetric encryption algorithm (such as the RSA algorithm), and verifies the digital signature through the public key. Only the entity with the corresponding private key can sign the encrypted claim data, and the entity with the public key can verify the validity of the digital signature.

[0127] In step S603 of some embodiments, the child node plays the role of an ordinary participant in the alliance chain, is used to perform verification work in the consensus mechanism, and stores the data of the alliance chain.

[0128] Specifically, after the digital signature of the master node is verified, the master node will trigger the consensus mechanism and broadcast the signed claims data to all child nodes on the alliance chain.

[0129] Specifically, the signed claim data is verified according to the consensus mechanism (such as practical Byzantine fault tolerance, proof of stake, etc.). The verification process includes detecting the correctness of the signed claim data, whether the claim transaction is legal, and ensuring that there is no double payment. Further, the child nodes reach a consensus through multiple rounds of voting. If the consensus mechanism of the majority of child nodes is verified, the signed claim data is valid claim data.

[0130] In step S604 of some embodiments, specifically, the master node writes the valid claim data (including the hash value, timestamp and claim transaction information of the target claim data) into the latest block of the alliance chain, and the master node broadcasts the information of the new block to all child nodes. After receiving the information of the new block, the child node updates its own copy of the alliance chain to ensure that the stored information remains consistent with the master node.

[0131] In an optional embodiment of the present application, the insurance company can also query the status and history of the insured user's claims data in the alliance chain through the query interface provided by the claims smart contract, and conduct regular audits and inspections of the claims data on the alliance chain to ensure the accuracy and completeness of the claims data.

[0132] In this embodiment, by using the master node to store valid claim data in a new block in the alliance chain, and broadcasting the information of the new block to the child nodes, and using the child nodes to store the valid claim data in the new block of the child nodes, the master node and other child nodes can work together to efficiently handle information verification and storage in the insurance claim process, and due to the tamper-proof nature of the alliance chain, once the data is recorded on the chain, it cannot be tampered with or deleted, thereby ensuring the authenticity and integrity of the data, thereby further improving the security of insurance claims.

[0133] See also Figure 7 In some embodiments, after step S105, the insurance claim settlement method based on the alliance chain further includes but is not limited to steps S701 to 704:

[0134] Step S701, obtain the on-chain claims data from the alliance chain.

[0135] Step S702, obtaining off-chain claims data from a preset off-chain system.

[0136] Step S703, building a two-way trigger mechanism for the alliance chain and the off-chain system.

[0137] Step S704, in response to the data update instruction to update the on-chain claims data, the off-chain claims data is synchronously updated through the two-way trigger mechanism; or, in response to the data update instruction to update the off-chain claims data, the on-chain claims data is synchronously updated through the two-way trigger mechanism.

[0138] In step S701 of some embodiments, specifically, the on-chain claims data refers to the claims data stored in the alliance chain. The on-chain claims data is open, transparent, and tamper-proof, and is protected by encryption algorithms and consensus mechanisms. All participating nodes of the alliance chain jointly maintain the on-chain data to ensure data consistency.

[0139] In step S702 of some embodiments, specifically, the preset off-chain system may be an insurance company's claims settlement system, an appraisal platform, etc.

[0140] Specifically, off-chain claims data refers to claims data stored in the off-chain system. For example, in the insurance field, off-chain claims data may include but is not limited to the information pre-screening of users before insurance and the appraisal platform’s appraisal claims loss data.

[0141] Specifically, although the alliance chain has an impact on the storage and operation of off-chain claims data, the access rights and security of the off-chain system are controlled by the data owner or third-party service provider rather than the alliance chain.

[0142] In step S703 of some embodiments, specifically, the triggering condition of the two-way trigger mechanism is determined based on the actual scenario. For example, in the insurance field, the on-chain claim settlement smart contract can be defined to trigger off-chain operations when the claim compensation amount variable reaches the compensation amount threshold, or the off-chain system can be defined to trigger data changes in the off-chain system when receiving the claim settlement on-chain transaction; or, the off-chain system can be defined to trigger changes in the target claim settlement data on the alliance chain when the identification claim loss data changes.

[0143] Specifically, Oracle services are configured for on-chain claims data according to trigger conditions to achieve on-chain perception of off-chain triggers. Trigger API interfaces can also be configured for off-chain claims data according to trigger conditions to achieve off-chain responses to online data changes. Among them, Oracle services are bridges connecting on-chain and off-chain. Through Oracle services, on-chain smart contracts can obtain off-chain claims data. Off-chain systems can interact with on-chain data through API interfaces. When on-chain data changes, off-chain systems can obtain the latest on-chain data by calling API interfaces and trigger corresponding changes based on on-chain data changes.

[0144] In step S704 of some embodiments, specifically, if the on-chain claims data (such as smart contract status update) changes, the configured Oracle service can automatically trigger the off-chain claims data to be updated synchronously, ensuring the synchronization and consistency of on-chain and off-chain data; if the off-chain claims data (such as new claims applications, appraisal claims loss data) changes, these data changes can be synchronized to the chain in real time to synchronize the on-chain claims data, ensuring the latest and accuracy of the on-chain data.

[0145] In this embodiment, by responding to a data update instruction to update the on-chain claims data, the off-chain claims data is synchronously updated through a two-way trigger mechanism; or, in response to a data update instruction to update the off-chain claims data, the on-chain claims data is synchronously updated through a two-way trigger mechanism, which can ensure the consistency of on-chain and off-chain data, further ensure the integrity and reliability of the data, and improve the security of insurance claims.

[0146] In an optional embodiment of the present application, after the update of on-chain or off-chain data is completed, it is necessary to verify the consistency of the off-chain data with the on-chain data. Through the Merkle tree, a large amount of off-chain claims data can be compressed into a short Merkle root, and this root is stored on the chain. By comparing the Merkle roots, the integrity and consistency of the off-chain data can be efficiently verified.

[0147] Among them, the Merkle tree is an encryption tree built from the bottom up, usually a binary tree structure, consisting of a root node, a group of intermediate nodes and a group of leaf nodes, each of which stores data (such as claim applications, appraisal claim loss data and claim transaction data, etc.). Specifically, the leaf node stores the hash value of the data block; the intermediate node stores the combination of the hash values ​​of other child nodes (that is, the hash values ​​of the two child nodes are string-connected, and the hash function is calculated again on the connected data); the root node stores the hash value of the Merkle tree, which represents the overall hash value of all data blocks (that is, the hash value of all data blocks stored in all leaf nodes and intermediate nodes).

[0148] The embodiment of the present application obtains user insurance data and claim application information from a preset alliance chain in response to an insurance claim request; wherein the user insurance data includes user identity information and insurance policy information; uses a preset insurance smart contract to perform an identity legitimacy check on the user identity information to obtain identity authentication data; wherein the identity authentication data includes legal identity information; based on the legal identity information and the insurance smart contract, the insurance policy information is tested for validity to obtain policy verification data; wherein the policy verification data includes valid policy information; based on the valid policy information and a preset appraisal platform, the claim application information is appraised for claim loss to obtain appraised claim loss data; obtains the claim conditions of the preset claim smart contract, and makes a claim for the claim application information according to the claim conditions, valid policy information and appraised claim loss data to obtain target claim data, and stores the target claim data in the alliance chain. This application first uses the insurance smart contract to check the legitimacy of the user's identity information to obtain legal identity information, which can ensure that only legal users can apply for claims and effectively prevent the occurrence of fraud. It also verifies the validity of the insurance information based on the legal identity information and the insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of the security of claims. Secondly, based on the valid policy information and the preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of the claim losses. Finally, the claim application information is paid according to the claim conditions, valid policy information and the appraisal claim loss data, which realizes the automation of claim processing and improves the efficiency of claims. By storing the target claim data in the alliance chain, the data is ensured to be tamper-proof and traceable, thereby improving the security of insurance claims.

[0149] See also Figure 8 The embodiment of the present application also provides an insurance claim settlement device based on the alliance chain, which can implement the above-mentioned insurance claim settlement method based on the alliance chain, and the device includes:

[0150] The insurance data and claim information acquisition module is used to respond to insurance claim requests and obtain user insurance data and claim application information from the preset alliance chain; wherein the user insurance data includes user identity information and insurance policy information;

[0151] The identity legitimacy detection module is used to use the preset insurance smart contract to perform identity legitimacy detection on the user's identity information to obtain identity authentication data; wherein the identity authentication data includes legal identity information;

[0152] The validity detection module is used to detect the validity of the insurance policy information based on the legal identity information and the insurance smart contract to obtain the policy verification data; wherein the policy verification data includes the valid policy information;

[0153] The claim loss appraisal module is used to conduct claim loss appraisal on the claim application information based on the valid policy information and the preset appraisal platform to obtain the appraisal claim loss data;

[0154] The claim module is used to obtain the claim conditions of the preset claim smart contract, make claims based on the claim conditions, valid policy information and identified claim loss data, obtain the target claim data, and store the target claim data in the alliance chain.

[0155] The specific implementation of the insurance claim settlement device based on the alliance chain is basically the same as the specific implementation example of the insurance claim settlement method based on the alliance chain mentioned above, and will not be repeated here.

[0156] The embodiment of the present application also provides an electronic device, the electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the above-mentioned insurance claim settlement method based on the alliance chain when executing the computer program. The electronic device can be any smart terminal including a tablet computer, a car computer, etc.

[0157] See also Fig. 9 , Fig. 9 The hardware structure of an electronic device of another embodiment is illustrated, and the electronic device includes:

[0158] The processor 901 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0159] The memory 902 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 902 can store processing systems and other applications. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 902, and the processor 901 calls and executes the insurance claim settlement method based on the alliance chain in the embodiment of this application;

[0160] Input / output interface 903, used to implement information input and output;

[0161] Communication interface 904, used to realize communication interaction between the device and other devices, which can be realized by wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WIFI, Bluetooth, etc.);

[0162] A bus 905 that transmits information between various components of the device (e.g., the processor 901, the memory 902, the input / output interface 903, and the communication interface 904);

[0163] The processor 901 , the memory 902 , the input / output interface 903 and the communication interface 904 are connected to each other in communication within the device via a bus 905 .

[0164] An embodiment of the present application also provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, it implements the above-mentioned insurance claim settlement method based on the alliance chain.

[0165] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0166] The insurance claim method based on alliance chain, the insurance claim device based on alliance chain, the electronic device and the storage medium provided in the embodiments of the present application obtain user insurance data and claim application information from the preset alliance chain in response to the insurance claim request; wherein the user insurance data includes user identity information and insurance policy information; the user identity information is subjected to the identity legitimacy detection by using the preset insurance smart contract to obtain identity authentication data; wherein the identity authentication data includes legal identity information; the insurance policy information is subjected to the validity detection based on the legal identity information and the insurance smart contract to obtain policy verification data; wherein the policy verification data includes valid policy information; the claim application information is subjected to claim loss appraisal based on the valid policy information and the preset appraisal platform to obtain appraisal claim loss data; the claim conditions of the preset claim smart contract are obtained, and the claim application information is subjected to claim according to the claim conditions, the valid policy information and the appraisal claim loss data to obtain the target claim data, and the target claim data is stored in the alliance chain. This application first uses the insurance smart contract to check the legitimacy of the user's identity information to obtain legal identity information, which can ensure that only legal users can apply for claims and effectively prevent the occurrence of fraud. It also verifies the validity of the insurance information based on the legal identity information and the insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of the security of claims. Secondly, based on the valid policy information and the preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of the claim losses. Finally, the claim application information is paid according to the claim conditions, valid policy information and the appraisal claim loss data, which realizes the automation of claim processing and improves the efficiency of claims. By storing the target claim data in the alliance chain, the data is ensured to be tamper-proof and traceable, thereby improving the security of insurance claims.

[0167] The embodiments described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0168] Those skilled in the art will appreciate that the technical solutions shown in the figures do not constitute a limitation on the embodiments of the present application, and may include more or fewer steps than shown in the figures, or a combination of certain steps, or different steps.

[0169] The device embodiments described above are merely illustrative, and the units described as separate components may or may not be physically separated, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0170] Those skilled in the art will appreciate that all or some of the steps in the methods disclosed above, and the functional modules / units in the systems and devices may be implemented as software, firmware, hardware, or a suitable combination thereof.

[0171] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0172] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0173] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. The mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0174] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0175] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0176] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including multiple instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0177] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but the scope of the rights of the present invention is not limited thereto. Any modification, equivalent substitution and improvement made by a person skilled in the art without departing from the scope and essence of the present invention should be within the scope of the rights of the present invention.

Claims

1. An insurance claim settlement method based on alliance chain, characterized in that: The method comprises: In response to an insurance claim request, obtaining user insurance data and claim application information from a preset alliance chain; wherein the user insurance data includes user identity information and insurance policy information; Using a preset insurance smart contract to perform a legitimacy check on the user's identity information to obtain identity verification data; wherein the identity verification data includes legal identity information; Based on the legal identity information and the insurance smart contract, the insurance policy information is tested for validity to obtain insurance policy verification data; wherein the insurance policy verification data includes valid insurance policy information; Based on the valid insurance policy information and the preset appraisal platform, the claim application information is appraised for claim loss to obtain appraisal claim loss data; Obtain the claim conditions of the preset claim smart contract, make a claim for the claim application information according to the claim conditions, the valid policy information and the identified claim loss data, obtain the target claim data, and store the target claim data in the alliance chain.

2. The method according to claim 1, characterized in that The claim settlement is performed on the claim application information according to the claim settlement conditions, the valid insurance policy information and the identified claim loss data to obtain target claim settlement data, including: Perform matching condition detection on the claim application information according to the claim settlement smart contract, the claim settlement conditions and the insurance policy information to obtain matching claim application data; The claim application information is processed for claim settlement and payment according to the valid insurance policy, the identified claim loss data and the matched claim application data to obtain the target claim data.

3. The method according to claim 1, characterized in that: The claim loss appraisal is performed on the claim application information based on the valid insurance policy information and the preset appraisal platform to obtain the appraisal claim loss data, including: Using the identification platform to perform a claim voucher legitimacy check on the claim application information to obtain claim application verification data; the claim application verification data includes legal claim application information; Based on the legitimate claim application information and the valid insurance policy information, the claim application information is tested for claim loss extent to obtain claim loss extent data; The claim application information is evaluated for compensation scope based on the claim loss extent data and the valid insurance policy information to obtain the evaluated claim loss data.

4. The method according to claim 1, characterized in that: The user identity information is tested for legitimacy using the preset insurance smart contract to obtain identity verification data, including: Responding to a user identity verification request, obtaining an identity verification code; Using the insurance smart contract to obtain the authentication identity information of the identity authentication code from the alliance chain; The user identity information is verified for legitimacy based on the authentication identity information to obtain the identity authentication data.

5. The method according to claim 1, characterized in that The validity detection of the insurance policy information based on the legal identity information and the insurance smart contract to obtain the insurance policy verification data includes: Obtain the policy rules of the insurance smart contract and the rule function of the policy rules; The policy field data of the insurance policy information is obtained, and the validity of the policy field data is checked using the rule function and the policy rule to obtain the policy verification data.

6. The method according to any one of claims 1 to 5, characterized in that: The storing of the target claim data in the alliance chain includes: Encrypting the target claim data to obtain encrypted claim data; Obtaining the master node of the alliance chain, and sending the encrypted claim data to the master node, using the master node to perform signature verification on the encrypted claim data to obtain encrypted verified claim data; the encrypted verified claim data includes signed claim data; Obtain the child nodes of the alliance chain, and use the master node to broadcast the signed claim data to the child nodes, verify the validity of the signed claim data according to the preset consensus mechanism and the child nodes, and obtain valid claim data; The master node is used to store the valid claim data in a new block in the alliance chain, and the information of the new block is broadcast to the child node, and the child node is used to store the valid claim data in the new block of the child node.

7. The method according to any one of claims 1 to 5, characterized in that: After the claim application information is processed according to the claim settlement conditions, the valid insurance policy information and the identified claim loss data to obtain target claim settlement data, the method further includes: Obtaining on-chain claims data from the consortium chain; Obtain off-chain claims data from the preset off-chain system; Constructing a two-way trigger mechanism for the alliance chain and the off-chain system; In response to a data update instruction to update the on-chain claims data, the off-chain claims data is synchronously updated through the two-way trigger mechanism; or, in response to a data update instruction to update the off-chain claims data, the on-chain claims data is synchronously updated through the two-way trigger mechanism.

8. An insurance claims device based on alliance chain, characterized in that: The device comprises: The insurance data and claim information acquisition module is used to respond to the insurance claim request and obtain the user's insurance data and claim application information from the preset alliance chain; wherein the user's insurance data includes user identity information and insurance policy information; An identity legitimacy detection module, used to perform an identity legitimacy detection on the user identity information using a preset insurance smart contract to obtain identity verification data; wherein the identity verification data includes legal identity information; A validity detection module, used to perform validity detection on the insurance policy information based on the legal identity information and the insurance smart contract to obtain policy verification data; wherein the policy verification data includes valid policy information; A claim loss appraisal module, used to conduct a claim loss appraisal on the claim application information based on the valid policy information and a preset appraisal platform to obtain appraisal claim loss data; The claim settlement module is used to obtain the claim settlement conditions of the preset claim settlement smart contract, settle the claim settlement application information according to the claim settlement conditions, the valid policy information and the identified claim settlement loss data, obtain the target claim settlement data, and store the target claim settlement data in the alliance chain.

9. An electronic device, characterized in that: The electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the insurance claim settlement method based on the alliance chain as described in any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by the processor, the insurance claims settlement method based on the alliance chain described in any one of claims 1 to 7 is implemented.

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