Automobile insurance information system based on blockchain technology

A technical field of automobile insurance information system based on blockchain technology

[0001] The present invention relates to the application field of blockchain technology in insurance, and relates to an automobile insurance information system based on blockchain technology.

Background technique

[0002] With the development of China's economy, auto insurance, as the largest type of property insurance, has been greatly developed. However, the operating status of auto insurance is not optimistic, the loss ratio has been high, and the entire industry is facing losses. In the domestic auto insurance market, due to the many narrow roads and many newbies, traffic accidents occur frequently, and the insurance premiums charged by insurance companies are not enough to cover the auto repair costs of auto repair companies. The root of this adverse selection effect is that the information held by insurance companies is incomplete. In the auto insurance market, personal risk factors are complex and diverse, so information asymmetry has become a common problem. The information asymmetry in the domestic auto insurance market is specifically manifested in the following aspects: 1) Asymmetry in insurance product information. Insurance companies have an information advantage in their own insurance products, and policyholders cannot fully understand the insurance companys credit rating, financial status and other information, and are at an information disadvantage; 2) Information asymmetry between insurance companies and policyholders. In the domestic auto insurance market, the insureds vehicle status information is personal privacy, and insurance companies cannot fully understand it; 3) The insureds opportunistic behavior leads to moral hazard.

Summary of the invention

[0003] In view of this, the present invention provides a car insurance information system based on blockchain technology that solves or partially solves the above-mentioned problems.

[0004] In order to achieve the effects of the above technical solution, the technical solution of the present invention is: an automobile insurance information system based on blockchain technology, including the following content:

[0005] The automobile insurance information system includes a report module, a compensation module, and a query module; the participants of the automobile insurance information system include vehicle owner nodes, insurance company nodes, and query nodes; vehicle owner nodes refer to vehicle owners, insurance company nodes refer to insurance companies, and all the public Can be used as a query node;

[0006] The report module includes a report interface, a time control unit, a loss assessment unit, and a case record unit, which are used to establish blocks and record vehicle accident information. The recording process is as follows: the vehicle owner node inputs the vehicle accident information, the vehicle VIN code, and the vehicle accident information through the report interface. Vehicle owner node and insurance information purchased; the time control unit is used to determine whether the reporting time is out of range, within the reporting time range, the damage assessment unit is activated, otherwise the case recording unit is directly activated; the damage assessment unit is used to determine vehicle damage; case records The unit has two working modes, effective application mode and invalid application mode. The effective application mode is activated after the damage assessment unit. The vehicle accident information and vehicle damage information are recorded in the block. After the vehicle owner node and the insurance company node jointly sign, cover Time stamp, record the block in the distributed ledger, and establish a temporary data transmission network with the compensation module to send block information; invalid application mode is used to record vehicle accident information beyond the reporting time range, and start after the time control unit ;

[0007] A smart contract is deployed in the compensation module to automatically transfer the claim amount from the insurance company node account to the owner node account; the assets of the insurance company node and the calculation method of the claim amount are written into the smart contract; the compensation unit receives the area After the block information, the smart contract can be executed;

[0008] The block recorded in the distributed ledger carries three identity information, including the owner node, the vehicle VIN code and the insurance company node. The information traceability chain in the automobile insurance information system is a three-dimensional traceability chain, which can be derived from three There are two dimensions of traceability information. The information traceability chain of the first dimension can query the claims records of the same car owner node, the information traceability chain of the second dimension can query the claims records of the same car, and the information traceability chain of the third dimension can query the same insurance. The company nodes claims record, the traceability process is: in the distributed ledger, the public key address of the vehicle owner node, the vehicle VIN code, and the public key address of the insurance company node are used as keywords to search, and the searched blocks are searched in the order of timestamp Arranged in sequence to form a traceable chain structure;

[0009] The query module includes a vehicle owner tracking unit, a vehicle tracking unit, and an insurance company tracking unit; the vehicle owner tracking unit includes a vehicle owner user interface and a query function component, which is used to trace the information traceability chain of the first dimension. The traceability method is as follows: the query node is in the vehicle owner The user interface inputs the public key address of the vehicle owner node and starts the query function component. The feedback information obtained includes the driving information of the vehicle owner node, driving behavior, and participating claims; the vehicle tracking unit includes the vehicle user interface and query function components for tracing the first The two-dimensional information traceability chain, the traceability method is as follows: the query node enters the vehicle VI N code in the vehicle user interface, starts the query function component, and the feedback information obtained includes vehicle information and related claims; the insurance company tracking unit includes the insurance company interface and The query function component is used to trace the third-dimensional information traceability chain. The traceability method is as follows: the query node enters the insurance company nodes public key address in the insurance company user interface, starts the query function component, and the feedback information obtained includes the insurance company nodes processing Claims settlement cases, company information, and major insurance types;

[0010] The report interface, the vehicle owner user interface, the vehicle user interface, and the insurance company interface are all integrated on the client.

[0011] The beneficial results of the present invention are: the present invention provides a car insurance information system based on blockchain technology, the car claims information is added to the distributed ledger in the form of blocks to ensure that the authenticity of the data cannot be tampered with; Automatically control the reporting time and adopt different processing plans; write insurance company assets and claims process into smart contracts to realize automatic claims, which not only shortens the time for claims, but also makes the claims process public, and safeguards the public interest; 3D is designed The traceability chain of the space can trace the information of the three dimensions of people, cars and insurance companies.

Detailed ways

[0012] In order to make the technical problems, technical solutions and beneficial effects to be solved by the present invention clearer, the following describes the present invention in detail with reference to embodiments. It should be noted that the specific embodiments described here are only used to explain the present invention, but not to limit the present invention. Products that can achieve the same function are equivalent replacements and improvements, and are all included in the protection scope of the present invention. The specific method is as follows:

[0013] Embodiment 1: This embodiment specifically illustrates the structure of an automobile insurance information system based on blockchain technology, as follows:

[0014] The automobile insurance information system includes a report module, a compensation module, and a query module; the participants of the automobile insurance information system include vehicle owner nodes, insurance company nodes, and query nodes; vehicle owner nodes refer to vehicle owners, insurance company nodes refer to insurance companies, and all the public Can be used as a query node;

[0015] The report module includes a report interface, a time control unit, a loss assessment unit, and a case record unit, which are used to establish blocks and record vehicle accident information. The recording process is as follows: the vehicle owner node inputs the vehicle accident information and the vehicle VI N code through the report interface , Car owner node, purchased insurance information; the time control unit is used to determine whether the reporting time is out of range, within the reporting time range, the damage assessment unit is activated, otherwise the case recording unit is directly activated; the damage assessment unit is used to determine the vehicle damage; the case The recording unit has two working modes, effective application mode and invalid application mode. The effective application mode is activated after the damage assessment unit. The vehicle accident information and vehicle damage information are recorded in the block, and the vehicle owner node and the insurance company node jointly sign

After the name, stamp the time stamp and record the block in the distributed ledger. At the same time, it establishes a temporary data transmission network with the compensation module to send the block information; the invalid application mode is used to record the vehicle accident information beyond the reporting time range. After the control unit starts;

[0016] A smart contract is deployed in the compensation module to automatically transfer the claim amount from the insurance company node account to the owner node account; the assets of the insurance company node and the calculation method of the claim amount are written into the smart contract; the compensation unit receives the area After the block information, the smart contract can be executed;

[0017] The block recorded in the distributed ledger carries three identity information, including the owner node, the vehicle VIN code and the insurance company node. The information traceability chain in the auto insurance information system is a three-dimensional traceability chain that can be derived from three There are two dimensions of traceability information. The information traceability chain of the first dimension can query the claims records of the same car owner node, the information traceability chain of the second dimension can query the claims records of the same car, and the information traceability chain of the third dimension can query the same insurance. The company nodes claims record, the traceability process is: in the distributed ledger, the public key address of the vehicle owner node, the vehicle VIN code, and the public key address of the insurance company node are used as keywords to search, and the searched blocks are searched in the order of timestamp Arranged in sequence to form a traceable chain structure;

[0018] The query module includes a vehicle owner tracking unit, a vehicle tracking unit, and an insurance company tracking unit; the vehicle owner tracking unit includes a vehicle owner user interface and a query function component, which is used to trace the first-dimensional information traceability chain. The traceability method is as follows: the query node is in the vehicle owner The user interface inputs the public key address of the vehicle owner node to start the query function component, and the feedback information obtained includes the driving information of the vehicle owner node, driving behavior, and participation in claim settlement cases; the vehicle tracking unit includes the vehicle user interface and query function components for tracing the first The two-dimensional information traceability chain, the traceability method is as follows: the query node enters the vehicle VI N code in the vehicle user interface, starts the query function component, and the feedback information obtained includes vehicle information and related claims; the insurance company tracking unit includes the insurance company interface and The query function component is used to trace the third-dimensional information tracing chain. The tracing method is as follows: the query node inputs the public key address of the insurance company node in the insurance company user interface, starts the query function component, and the feedback information obtained includes the insurance company node processed Claims settlement cases, company information, and major insurance types;

[0019] The report interface, vehicle owner user interface, vehicle user interface, and insurance company interface are all integrated on the client.

[0020] Embodiment 2: This embodiment mainly exemplifies the service architecture of an automobile insurance information system based on blockchain technology, as follows:

[0021] The client of the automobile insurance information system is provided with a report interface, a vehicle owner user interface, a vehicle user interface, and an insurance company interface. After an accident occurs, the vehicle owner node inputs the vehicle accident information, vehicle VIN code, vehicle owner node, and purchased insurance information through the report interface; the time control unit first judges whether the report time is out of range, and within the report time range, it starts the damage assessment unit and dispatches Workers go to the accident site and repair shop to investigate and determine the damage, and record the vehicle accident information and vehicle damage information in the block. After the vehicle owner node and the insurance company node jointly sign, the time stamp is stamped and the block is recorded in the distributed ledger At the same time, it establishes a temporary data transmission network with the compensation module to send block information; it is not within the reporting time range, otherwise no compensation will be paid, and the case recording unit will be directly activated to save the vehicle accident information, vehicle VIN code, and vehicle accident information input by the owner node through the report interface. Vehicle owner node and insurance information purchased;

[0022] A smart contract is deployed in the compensation module to automatically transfer the claim amount from the insurance company node account to the owner node account; the assets of the insurance company node and the calculation method of the claim amount are written into the smart contract; the compensation unit receives the area After the block information, the smart contract can be executed, and the claim amount is directly transferred from the insurance company node account to the car owner node account;

[0023] The query node can trace information from three dimensions. The information traceability chain of the first dimension can query the claims records of the same car owner node, and the information traceability chain of the second dimension can query the claims records of the same car. The information traceability chain can query the claims records of the same insurance company node, arranged in order of timestamp, forming a traceable chain structure;

[0024] The query module includes a vehicle owner tracking unit, a vehicle tracking unit, and an insurance company tracking unit; the query node inputs the public key address of the vehicle owner node in the vehicle owner user interface to start the query function component, and the feedback information obtained includes the driving information and driving information of the vehicle owner node. Behavior and participation in claim settlement cases; enter the vehicle VIN code in the vehicle user interface to start the query function component, and the feedback information obtained includes vehicle information and related claims settlement cases; enter the public key address of the insurance company node in the insurance company user interface to start the query Functional components, the feedback information obtained includes claims handled by the insurance company node, company information, and major insurance types;

[0025] The beneficial results of the present invention are: the present invention provides a car insurance information system based on blockchain technology, the car claims information is added to the distributed ledger in the form of blocks to ensure that the authenticity of the data cannot be tampered with; Automatically control the reporting time and adopt different processing plans; write insurance company assets and claims process into smart contracts to realize automatic claims, which not only shortens the time for claims, but also makes the claims process public, and safeguards the public interest; 3D is designed The traceability chain of the space can trace the information of the three dimensions of people, cars and insurance companies.

[0026] The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of protection of the claims of the present invention. At the same time, the above description should be understood and implemented by those skilled in the relevant technical fields. Therefore, other equivalent changes made based on the content disclosed in the present invention should be included in the scope of the claims.