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

Abstract

The embodiment of the application provides an insurance claim settlement method and device based on a consortium chain, an electronic device and a storage medium, and belongs to the technical field of financial technology and block chain storage. The method comprises: using an identification platform to perform claim settlement loss identification on claim settlement application information to obtain identified claim settlement loss data; performing claim settlement on the claim settlement application information according to claim settlement conditions, valid policy information and the identified claim settlement loss data, and storing target claim settlement data obtained into a consortium chain. The embodiment of the application provides detailed and accurate evaluation on claim settlement loss by performing claim settlement loss identification on claim settlement application information, performs claim settlement on the claim settlement application information according to claim settlement conditions, valid policy information and the identified claim settlement loss data, realizes the automation of claim settlement processing, improves the claim settlement efficiency, and then stores the target claim settlement data into the consortium chain, ensures the non-tamperability and traceability of the data, and improves the security of insurance claim settlement.

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 settlement method and device, electronic device, and storage medium based on a consortium chain. Background Art

[0002] Currently, the blockchain-based insurance claims process primarily relies on public or private blockchain technology. For example, after a vehicle accident, a claim application is submitted through a blockchain-based online auto insurance claims system. The system automatically reviews the application based on the information provided by the vehicle owner and the auto insurance information recorded on the blockchain (such as policy details, vehicle information, and historical claims records). Once the review is passed, the system automatically transfers the claim amount to the vehicle owner's account and records the entire claims process on the blockchain for all participants to review and verify. However, this method requires that public chain data be open to all participants, making user privacy vulnerable to leakage. This has led to a large number of malicious fraud and claim tampering during the insurance claims process, resulting in poor insurance claim security. Therefore, how to improve the security of insurance claims has become an urgent issue that needs to be addressed. Summary of the Invention

[0003] The main purpose of the embodiments of this application is to propose an insurance claims method and device, electronic device and storage medium based on the alliance 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, 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;

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

[0007] Performing validity testing 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;

[0008] Based on the valid insurance policy information and a preset appraisal platform, the claim application information is appraised for claim losses to obtain appraised 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 target claim data, and store the target claim data in the alliance chain.

[0010] In some embodiments, the claim settlement process is performed on the claim application information according to the claim settlement conditions, the valid 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 smart contract, the claim conditions, and the insurance policy information to obtain matching claim application data;

[0012] 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.

[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 authentication 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 legitimate claim application information;

[0015] Performing a claim loss degree detection on the claim application information based on the legitimate claim application information and the valid insurance policy information to obtain claim loss degree data;

[0016] 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.

[0017] In some embodiments, the use of a preset insurance smart contract to perform identity legitimacy detection 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] Obtaining the authentication identity information of the identity authentication code from the alliance chain using the insurance smart contract;

[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 check of the insurance policy information based on the legal identity information and the insurance smart contract to obtain the 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 a master node of the consortium 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 based on 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 conditions, the valid policy information, and the identified claim loss data to obtain target claim data, the method further includes:

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

[0031] Obtain off-chain claims data from the pre-set 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 for updating 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 for updating the off-chain claims data, the on-chain claims data is synchronously updated through the two-way trigger mechanism.

[0034] To achieve the above objectives, a second aspect of the embodiments of the present application proposes an insurance claims settlement device based on a consortium chain, the device comprising:

[0035] 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;

[0036] An identity legitimacy detection module, configured to perform an identity legitimacy detection on the user's 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, configured 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 assessment module, configured to assess the claim loss based on the valid policy information and a preset assessment platform to obtain assessed claim loss data;

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

[0040] To achieve the above-mentioned purpose, the 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 the processor implements the method described in the first aspect when executing the computer program.

[0041] To achieve the above-mentioned purpose, the fourth aspect of the embodiments of the present application proposes a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the method described in the first aspect.

[0042] The insurance claim settlement method and device, electronic device and storage medium based on the alliance chain proposed in this 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; 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 checked 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 on 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 user identity information to obtain legal identity information, which can ensure that only legal users can apply for claims, effectively prevent the occurrence of fraud, and verify the validity of insurance information based on legal identity information and insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of claims security; secondly, based on valid policy information and a preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of claim losses; finally, the claim application information is paid according to the claim conditions, valid policy information and appraised claim loss data, realizing the automation of claims processing, improving claims efficiency, and by storing the target claim data in the alliance chain, ensuring the immutability and traceability of the data, thereby improving the security of insurance claims. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] Figure 1 This is a flowchart of the insurance claims method based on the alliance chain provided in an embodiment of the present application;

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

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

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

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

[0048] Figure 6yes Figure 1 Another flowchart of step S105 in FIG.

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

[0050] Figure 8 This is a schematic diagram of the structure of an insurance claims settlement device based on a consortium chain provided in an embodiment of the present application;

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

[0052] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0053] It should be noted that although the device schematics illustrate functional module divisions and the flowcharts illustrate logical sequences, in certain circumstances, the steps shown or described may be performed in a sequence that differs from the module divisions in the device or the sequence in the flowcharts. The terms "first," "second," and so on, in the specification, claims, and drawings, are used to distinguish similar items and are not necessarily used to describe a specific sequence or precedence.

[0054] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those skilled in the art to which this application pertains. The terms used herein are for the purpose of describing the embodiments of this application only 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, electronic device and storage medium based on the 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 on the terminal or the server side. In some embodiments, the terminal can be a smart phone, tablet computer, laptop computer, desktop computer, etc.; the server side can be configured as an independent physical server, or as a server cluster or distributed system composed of multiple physical servers, or 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, and the like. 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, and the like 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 via 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 embodiment 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 such 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 flowchart of the insurance claim settlement 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 verification 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 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 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.

[0066] In steps S101 to S105 shown in the embodiment of the present application, in response to an insurance claim request, user insurance data and claim application information are obtained from a preset alliance chain; wherein, the user insurance data includes user identity information and insurance policy information; the user identity information is subjected to an identity 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, valid policy information and appraisal claim loss data to obtain 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 user identity information to obtain legal identity information, which can ensure that only legal users can apply for claims, effectively prevent the occurrence of fraud, and verify the validity of insurance information based on legal identity information and insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of claims security; secondly, based on valid policy information and a preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of claim losses; finally, the claim application information is paid according to the claim conditions, valid policy information and appraised claim loss data, realizing the automation of claims processing, improving claims efficiency, and by storing the target claim data in the alliance chain, ensuring the immutability and traceability of the data, thereby improving the security of insurance claims.

[0067] In step S101 of some embodiments, specifically, the consortium chain is a specific application form of the blockchain, which is between the public chain and the private chain. In the consortium 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. 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 insurance policy information filled in by the insured user on the front-end page is obtained, and the existence of the user identity of the insured user is retrieved through the alliance chain, and the credit of the insured user is verified. When it is confirmed that the user identity authentication is passed and the user credit is determined to be good, the blockchain hash, insurance type hash, policy file hash, timestamp and public key transaction information of the initial insurance policy information are generated, and a request for the alliance chain to upload is initiated based on the blockchain hash, insurance type hash, policy file hash, timestamp and public key transaction information. The initial insurance policy information is subjected to the insurance 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 confirm 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, etc.

[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, effectively improving the credibility of the data and facilitating the improvement of 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: Responding to a user identity verification request, obtaining an identity verification code.

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

[0078] Step S203: Verify the legitimacy of the user identity information based on 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's 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 contract terms 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 status of the contract.

[0081] Specifically, the insurance smart contract is a logical code program determined by 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, and user phone number.

[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 authentication data is legal identity information. If the identity hash value matches unsuccessfully, it means that the authentication data is illegal identity information.

[0086] In this embodiment, the user identity information is verified for legitimacy based on the authentication identity information to obtain identity verification 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: Obtain the policy field data of the insurance policy information, and use 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, the policy rules are specifically determined based on actual application scenarios. For example, in the insurance field, the policy rules may include that the insured user must continue to meet age requirements, that the insured user must regularly update health information to ensure that they have not suffered from major illnesses specified in the insurance contract, that there have been no large claims or violations of insurance terms, and that the policy period has not expired.

[0091] Specifically, a rule function is a logical code function that implements the corresponding insurance policy rules. For example, in the insurance field, a rule function that requires insured users to continuously meet age requirements could be VerifyAge, which checks whether the insured user's age meets the requirements; a rule function that requires insured users to regularly update their health information could be VerifyHealthStatus, which checks whether the insured user has any major diseases specified in the policy contract.

[0092] In step S302 of some embodiments, specifically, since the insurance policy information is stored in a table format, the key value and value 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 term, number of policy claims, and health status 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 by calling the rule function based on the policy rules. 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 must not exceed 65 years old, the VerifyAge function is called to check whether the insured user's age is over 65 years old. If it is determined that the insured user's age is not over 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 detection of policies can be achieved, the efficiency of policy validity detection is improved, and the fairness and transparency of the validity detection process of smart contract execution 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: Use the appraisal platform to check the legitimacy of the claim application information and the claim voucher 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 loss extent is detected on the claim application information 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 insurance types. 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. Legitimate claim application information refers to data that has been verified to be authentic after authenticity verification.

[0103] For example, in the insurance field, the claim application information is the claim materials submitted by the insured user (including images of the accident scene, images of damaged vehicle parts, 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 authenticity of the accident scene images and vehicle damage images is authenticated. When all claim materials are determined to be authentic, it means that the claim certificate has passed the legality test, and the claim application information is used as legal claim application information.

[0104] In this embodiment, by utilizing the appraisal 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, an on-site inspection 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. Losses that fall under the exemption clause are determined to be not within the scope of compensation.

[0108] In this embodiment, by assessing the scope of compensation for 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, thereby facilitating subsequent improvement in the accuracy of insurance claims.

[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: Process the claim application information for claim settlement and payment based on the valid insurance policy, identified claim loss data, and matched claim application data to obtain target claim data.

[0112] In step S501 of some embodiments, the claim settlement smart contract specifically 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 the loss, and the time of reporting.

[0113] Specifically, the claim application information is detected through the claim smart contract to determine whether the accident type falls within the coverage of the insurance policy information, whether the loss of the insured property or the insured user meets the compensation standard, and whether the reporting time is within the claim conditions stipulated in the contract 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.

[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, claim application information is processed for claim payment based on valid insurance policies, identified claim loss data, and matched claim application data to obtain target claim data. An efficient, accurate, and transparent claim process is achieved through the claim smart contract, ensuring the fairness of the claim process. The automation of claim processing is also realized, thereby improving claim efficiency.

[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 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 to 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 claim data can be converted into a hash value through a hash algorithm to achieve data encryption.

[0124] In this embodiment, by encrypting the target claim data to obtain encrypted claim data, the security of the target claim data during transmission can be ensured.

[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 the consensus mechanism, to ensure that only authorized new nodes can join the alliance chain.

[0126] Specifically, the encrypted claim data is sent to the master node, which performs digital signature verification on the encrypted claim data (including verification of data format, digital signature validity, etc.). After the digital signature verification passes, the signed claim data is obtained. Digital signature verification uses the private key of an asymmetric encryption algorithm (such as the RSA algorithm) to generate a digital signature for the encrypted claim data, which is then verified using the public key. Only entities with the corresponding private key can sign the encrypted claim data, and any 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, performing verification work in the consensus mechanism and storing data of the alliance chain.

[0128] Specifically, after the master node's digital signature verification is passed, the master node will trigger the consensus mechanism and broadcast the signed claim data to all child nodes on the alliance chain.

[0129] Specifically, the signed claim data is verified based on a 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 passes the verification, 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 will update 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, insurance companies can also query the status and history of insured users' 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 node, and using the child node to store the valid claim data in the new block of the child node, the master node and other child nodes can work together to efficiently handle the information verification and storage in the insurance claim process. Moreover, 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 on-chain claims data from the alliance chain.

[0135] Step S702: Obtain off-chain claims data from the preset off-chain system.

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

[0137] Step S704: In response to a data update instruction for updating 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 for updating the off-chain claims data, the on-chain claims data is synchronously updated through a two-way trigger mechanism.

[0138] In step S701 of some embodiments, the on-chain claims data specifically refers to claims data stored in the consortium chain. On-chain claims data is open, transparent, and tamper-proof, protected by encryption algorithms and consensus mechanisms. All participating nodes in the consortium 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 system, an appraisal platform, etc.

[0140] Specifically, off-chain claims data refers to claims data stored in off-chain systems. For example, in the insurance sector, off-chain claims data may include, but is not limited to, pre-screening of user information before insurance purchase and appraisal platform-generated claims loss data.

[0141] Specifically, although the consortium 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 consortium chain.

[0142] In step S703 of some embodiments, the triggering conditions of the two-way trigger mechanism are specifically determined based on the actual scenario. For example, in the insurance field, the on-chain claims smart contract can define that when the claim compensation amount variable reaches the compensation amount threshold, an off-chain operation is triggered. Alternatively, the off-chain system can define that when an on-chain claim transaction is received, a data change in the off-chain system is triggered. Alternatively, the off-chain system can define that when the identified claim loss data changes, a change in the target claim data on the consortium chain is triggered.

[0143] Specifically, the Oracle service is configured for the on-chain claim data according to the trigger condition, on-chain sensing off-chain triggering is realized, and the trigger API interface is configured for the off-chain claim data according to the trigger condition, on-chain data change is realized. The Oracle service is a bridge connecting the on-chain and off-chain, through the Oracle service, the on-chain smart contract can obtain the off-chain claim data. The off-chain system can interact with the on-chain data through the API interface, when the on-chain data changes, the off-chain system can obtain the latest data on the chain through the API interface, and trigger the corresponding change according to the on-chain data change.

[0144] In step S704 of some embodiments, specifically, when the on-chain claim data (such as smart contract state update) changes, the off-chain claim data can be automatically triggered to update synchronously through the configured Oracle service, ensuring the synchronization and consistency of on-chain and off-chain data; when the off-chain claim data (such as new claim application, appraisal loss data) changes, the data change can be synchronized to the on-chain to update the on-chain claim data synchronously, ensuring the latest and accuracy of the on-chain data.

[0145] In this embodiment, through the data update instruction for updating the on-chain claim data, the off-chain claim data is updated synchronously through the bidirectional triggering mechanism; or, in response to the data update instruction for updating the off-chain claim data, the on-chain claim data is updated synchronously through the bidirectional triggering 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 claim.

[0146] In an optional embodiment of the present application, after updating the on-chain or off-chain data, the consistency of the off-chain data and the on-chain data needs to be verified, a large amount of off-chain claim data can be compressed into a short Merkle root through the Merkle tree, and the root is stored on the chain. By comparing the Merkle root, the integrity and consistency of the off-chain data can be efficiently verified.

[0147] The Merkle tree is a bottom-up constructed encryption tree, usually a binary tree structure, composed of a root node, a group of intermediate nodes and a group of leaf nodes, each node stores data (such as claim application, appraisal 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 the other child nodes (i.e. the hash values of the two child nodes are connected by string, and the connected data is calculated again by the hash function); the root node stores the hash value of the Merkle tree, which represents the overall hash value of all data blocks (i.e. the hash values of all leaf nodes and intermediate nodes storing data blocks.

[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 checked 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 on 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 user identity information to obtain legal identity information, which can ensure that only legal users can apply for claims, effectively prevent the occurrence of fraud, and verify the validity of insurance information based on legal identity information and insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of claims security; secondly, based on valid policy information and a preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of claim losses; finally, the claim application information is paid according to the claim conditions, valid policy information and appraised claim loss data, realizing the automation of claims processing, improving claims efficiency, and by storing the target claim data in the alliance chain, ensuring the immutability and traceability of the data, thereby improving the security of insurance claims.

[0149] See also Figure 8 The embodiment of the present application further provides an insurance claim settlement device based on a consortium chain, which can implement the above-mentioned insurance claim settlement method based on a consortium chain. 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, 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 verification data; wherein the identity verification 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, and obtain the policy verification data; the policy verification data includes the valid policy information;

[0153] The claim loss assessment module is used to assess the claim loss based on the valid policy information and the preset assessment platform, and obtain the assessed 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 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 of the insurance claim settlement method based on the alliance chain mentioned above, and will not be repeated here.

[0156] The present application also provides an electronic device comprising a memory and a processor. The memory stores a computer program, and the processor executes the computer program to implement the aforementioned consortium blockchain-based insurance claims settlement method. The electronic device can be any smart terminal, including a tablet computer and an in-vehicle computer.

[0157] See also Figure 9 , Figure 9 The hardware structure of an electronic device according to another embodiment is shown. The electronic device includes:

[0158] The processor 901 can be implemented as 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] 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). Memory 902 can store processing systems and other applications. When the technical solutions provided in the embodiments of this specification are implemented through software or firmware, the relevant program code is stored in memory 902 and is called by processor 901 to execute the insurance claims settlement method based on the alliance chain in the embodiments of this application.

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

[0161] Communication interface 904, used to implement communication interaction between this device and other devices, which can be achieved through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WiFi, Bluetooth, etc.);

[0162] Bus 905 , which transmits information between various components of the device (e.g., processor 901 , memory 902 , input / output interface 903 , and 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. When the computer program is executed by a processor, it implements the above-mentioned insurance claims 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 arranged 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 embodiments of the present application provide an insurance claim settlement method based on a consortium chain, an insurance claim settlement device based on a consortium chain, an electronic device, and a storage medium. The methods obtain user insurance data and claim application information from a preset consortium chain in response to an insurance claim request. The user insurance data includes user identity information and insurance policy information. The user identity information is subjected to an identity legitimacy check using a preset insurance smart contract to obtain identity authentication data. 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. 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 settlement based on the claim conditions, the valid policy information, and the appraisal claim loss data to obtain target claim data, and the target claim data is stored in the consortium chain. This application first uses the insurance smart contract to check the legitimacy of user identity information to obtain legal identity information, which can ensure that only legal users can apply for claims, effectively prevent the occurrence of fraud, and verify the validity of insurance information based on legal identity information and insurance smart contract, which can avoid claims disputes caused by invalid or expired policies, and facilitate the subsequent improvement of claims security; secondly, based on valid policy information and a preset appraisal platform, the claim application information is appraised for claim losses, providing a detailed and accurate assessment of claim losses; finally, the claim application information is paid according to the claim conditions, valid policy information and appraised claim loss data, realizing the automation of claims processing, improving claims efficiency, and by storing the target claim data in the alliance chain, ensuring the immutability and traceability of the data, thereby improving the security of insurance claims.

[0167] The embodiments described in the embodiments of this application are intended to more clearly illustrate the technical solutions of the embodiments of this application and do not constitute a limitation on the technical solutions provided by the embodiments of this 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 this application are also applicable to similar technical problems.

[0168] Those skilled in the art will understand 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. The units described as separate components may or may not be physically separate, i.e., they may be located in one place or distributed across multiple network units. Some or all of the modules may be selected based on actual needs to achieve the objectives of this embodiment.

[0170] Those skilled in the art will appreciate that all or some of the steps in the methods, systems, and functional modules / units in the devices disclosed above may be implemented as software, firmware, hardware, or appropriate combinations 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 sequential order. 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 variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes 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 this 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 previous and next associated objects are in an "or" relationship. "At least one of the following items" or similar expressions refers to any combination of these items, including any combination of single items 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 this 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 merely schematic. For example, the division of the above-mentioned units is only a logical function division. In actual implementation, there may be other division methods, 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 separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0175] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or 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, which is stored in a storage medium and includes multiple instructions for enabling 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: various media that can store programs, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0177] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but are not intended to limit the scope of the present invention. Any modifications, equivalent substitutions, and improvements made by those skilled in the art without departing from the scope and essence of the present invention should be within the scope 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, 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; Using a preset insurance smart contract to perform an identity verification on the user's identity information to obtain identity verification data; wherein the identity verification data includes legal identity information; Performing validity testing 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; Based on the valid insurance policy information and a preset appraisal platform, the claim application information is appraised for claim losses to obtain appraised claim loss data; Obtain the claim conditions of the preset claim smart contract, make a claim based on the claim application information according to the claim conditions, the valid policy information, and the identified claim loss data, obtain target claim data, and store the target claim data in the alliance chain; 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; Obtaining the authentication identity information of the identity authentication code from the alliance chain using the insurance smart contract; Performing identity legitimacy verification on the user identity information according to the authentication identity information to obtain the identity authentication data; The validity check of the insurance policy information based on the legal identity information and the insurance smart contract to obtain the policy verification data includes: Obtain the policy rules of the insurance smart contract and the rule function of the policy rules; Obtaining policy field data of the insurance policy information, and performing validity check on the policy field data using the rule function and the policy rule to obtain the policy verification data; 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 authentication 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 legitimate claim application information; Performing a claim loss degree detection on the claim application information based on the legitimate claim application information and the valid insurance policy information to obtain claim loss degree data; 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.

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

3. The method according to any one of claims 1 to 2, characterized in that Storing the target claim data in the alliance chain includes: encrypting the target claim data to obtain encrypted claim data; Obtaining a master node of the consortium 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 based on 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.

4. The method according to any one of claims 1 to 2, characterized in that After the claim application information is processed according to the claim conditions, the valid policy information, and the identified claim loss data to obtain target claim data, the method further includes: Obtain on-chain claims data from the consortium chain; Obtain off-chain claims data from the pre-set 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 for updating 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 for updating the off-chain claims data, the on-chain claims data is synchronously updated through the two-way trigger mechanism.

5. An insurance claim settlement device based on alliance chain, characterized in that: The device comprises: 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; An identity legitimacy detection module, configured to perform an identity legitimacy detection on the user's 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, configured 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 assessment module, configured to assess the claim loss based on the valid policy information and a preset assessment platform to obtain assessed claim loss data; The claims module is used to obtain the claim conditions of the preset claim smart contract, settle 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; The identity legitimacy detection module also includes: Responding to a user identity verification request, obtaining an identity verification code; Obtaining the authentication identity information of the identity authentication code from the alliance chain using the insurance smart contract; Performing identity legitimacy verification on the user identity information according to the authentication identity information to obtain the identity authentication data; The validity detection module also includes: Obtain the policy rules of the insurance smart contract and the rule function of the policy rules; Obtaining policy field data of the insurance policy information, and performing validity check on the policy field data using the rule function and the policy rule to obtain the policy verification data; The claim loss assessment module also includes: Using the authentication 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 legitimate claim application information; Performing a claim loss degree detection on the claim application information based on the legitimate claim application information and the valid insurance policy information to obtain claim loss degree data; 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.

6. 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 4 when executing the computer program.

7. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the insurance claim settlement method based on the alliance chain described in any one of claims 1 to 4 is implemented.

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