CN110796555A - Method for rapidly applying insurance and settling claim based on block chain and insurance platform - Google Patents
Method for rapidly applying insurance and settling claim based on block chain and insurance platform Download PDFInfo
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Abstract
The invention relates to the technical field of block chains, in particular to a block chain-based method for rapidly applying insurance and settling claims, which comprises the following steps: s1: signing an insurance contract; s2: transplanting; s3: making an insurance report; s4: surveying and damage assessment; s5: paying data publicity; s6: paying. The application platform comprises a client, an information acquisition middle end and a server. The invention has the advantages that the rapid insurance and claim settlement can be realized for the tobacco planting user, and meanwhile, the number of times and the cost of personnel going out to the site investigation are reduced.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based method for rapidly applying insurance and settling claims and an insurance platform.
Background
Insurance is a guarantee mechanism, and particularly refers to that an applicant pays insurance fees to an insurer according to contract agreement, and the insurer undertakes the business insurance action of paying insurance fund responsibility for property loss caused by the occurrence of possible accidents of the contract agreement or the insured dies, damages, diseases or meets the conditions of age, duration and the like of the contract agreement.
There are many types of insurance, such as personal insurance, property insurance, fire insurance, agricultural insurance, and the like, wherein the agricultural insurance mainly protects various crops or cash crops and various livestock, poultry, and the like from losses due to natural disasters or accidents. With the development of the internet era, the application of an application platform for mobile phone application and claim settlement is developed.
The existing insurance application platform mainly aims at personal insurance, vehicle insurance, property insurance and the like and comprises a client and a server, wherein the client is mainly used by a user, the server is used by an insurance company, the client and the server are in communication connection, when insurance application is needed, the user registers and inputs insurance application information at the client and then sends the insurance application information to the server to generate an insurance application form, and then the server feeds the insurance application form back to the user; when a claim is settled, a user fills in claim settlement related information at a client and sends the claim settlement related information to a server, the server receiving the claim settlement information arranges a specialist to check on site within a certain time, after confirming that the claim settlement conforms to the insurance responsibility range, the information is brought back and input into the server, after checking layer by layer, the information is sent to the client for confirmation, after the confirmation is completed, the user needs to provide a large amount of data to calculate the claim settlement amount, a long period of time is required until the claim settlement is finished, the efficiency is very low, and the user experience is very poor due to tasting.
For some agricultural insurance, the insurance platform is not suitable for planting tobacco leaves, for example, the quantity of the tobacco leaves planted by each tobacco grower is required, and the insurance company cannot know the correct quantity of the tobacco growers during insurance application, so that the insurance company cannot avoid over-reporting or under-reporting of the tobacco growers in the insurance application process, and cannot provide reasonable claim settlement amount during claim settlement, thereby providing the insurance, claim settlement method and the insurance platform for solving the problems.
Disclosure of Invention
The invention aims to provide a block chain-based rapid insurance application and claim settlement method, which has the advantages that rapid insurance application and claim settlement can be realized for tobacco planting users, and meanwhile, the number of times and cost of personnel going out to the site for investigation are reduced.
The technical purpose of the invention is realized by the following technical scheme: a block chain-based method for rapid insurance application and claim settlement comprises the following steps:
s1: the insurance contract is signed, and a user inputs personal information, plot information and planting variety information through a client, selects an insurance type and then sends the insurance type to a server;
the third-party organization counts the planting contract information in the region through the information acquisition middle end and uploads the information to the server end;
the server collates and compares the information of the client and the information acquisition middle end to generate policy information, and the policy information is fed back to the client by the server;
s2: transplanting, wherein a user uploads transplanting data and photos in the transplanting starting and finishing processes to a server for recording through the client; the third-party mechanism synchronously uploads the transplanting data and the photos in the transplanting starting and finishing processes to the server side for storage through the information acquisition middle side;
s3: reporting a case, namely reporting the case by a user through a client and sending information to a server to check whether the case belongs to the insurance responsibility range, and if not, sending the information to the client to inform rejection; if so, sending the information to the client side to inform the client side of passing, and entering a damage assessment program;
s4: the loss is surveyed and determined, a user collects data and documents through a client and uploads the data and documents to a server, a third-party mechanism collects the data and documents through an information collection middle end and uploads the data and documents to the server, the server verifies the data and documents after receiving the data, and if the data documents are not suspicious, the calculation of the reimbursement amount is started;
s5: the method comprises the following steps of disclosing claim data, feeding back the claim data to a client and an information acquisition middle end for informing;
s6: and (4) paying, and after the information is confirmed, the server side issues a paying amount according to the confirmation information.
By adopting the technical scheme, the information acquisition middle end is arranged for storing and acquiring objective and fair information and sending the objective and fair information to the server, so that the server compares the information sent by the client and the information acquisition middle end, the error rate of the information is reduced, and the insurance application efficiency is improved; meanwhile, during claim settlement, whether the insurance responsibility range is met or not is judged through mutual verification among data reported by all the main bodies and mutual verification among data of all the main bodies and the information acquisition middle end, and quick claim settlement is realized, so that the frequency and cost of investigation when people go out to the field are reduced.
The invention is further configured to: in step S1, the information entered by the client includes name, identification card number, mobile phone number, bank card number, information of state, city, village and village of the plot, plot position, area, variety planting contract signing time, uploading planting contract photo, personal photo, identification card photo, plot photo containing GPS information;
the information uploaded by the information acquisition middle end comprises the number of households, name, identity card number, bank card number, mobile phone number, planting acres, variety, regional planting contract photos and other planting information.
The invention is further configured to: in step S1, after the service end feeds back the policy information to the client, the user confirms again on the client whether to apply the policy, and if yes, pays the premium and submits it to the service end; if the application is refused, directly submitting the refusal request to the server; after receiving the insurance application information, the server arranges the insurance application information into a list, and sends the insurance application information to the user side and the information acquisition middle side, at the moment, the contract takes effect, and the insurance application condition and the comprehensive information in the region are received by the information acquisition middle side and include the conditions of all the insured users.
By adopting the technical scheme, whether the user confirms the insurance or not is prompted in a mode of reconfirming, and the misapplication caused by misoperation is avoided.
The invention is further configured to: in step S2, the server compares the contract information after receiving the transplanting data, and if no error exists, records in the background; and if the error exists, the information is respectively sent to the client and the information acquisition middle end, and the information acquisition and confirmation program is restarted.
By adopting the technical scheme, the users are prevented from reporting more or less.
The invention is further configured to: in step S3, after receiving the report information, the server sends a report check instruction to the third party organization through the information collection middle end, and the background compares and checks the local weather forecast, the content of the insurance contract and the report, whether the report is reported within 12 hours, whether the report belongs to the insurance responsibility range, and notifies the user after comprehensive comparison.
By adopting the technical scheme, the third-party mechanism collects the disaster information of the user and feeds the disaster information back to the server, meanwhile, the background of the server checks other related information, and the authenticity of the disaster is ensured by collecting data together by the two parties.
The invention is further configured to: if the user accepts the refusal report or agrees after the report notification, waiting for the next notification; if the result does not accord with the insurance responsibility range, the report module of the user side is used for proposing a complaint and uploading the complaint reason to the server side, then the third-party organization is informed again to check, the result is fed back to the server side, and if the result does not accord with the insurance responsibility range, the report is rejected again, and the report program is terminated.
By adopting the technical scheme, the chance of reporting the case for the second time is provided for the user, and the possibility of wrong rejections is reduced.
The invention is further configured to: in step S4, the calculation of the payout amount satisfies the following formula: the payout amount = the highest payout limit x acre x percentage damage of the growth cycle-the amount paid out in the growth cycle.
The invention is further configured to: in step S5, after the claim data is fed back to the user, if the user has no objection, the confirmation information is transmitted to the server through the user side, and the server receives the objection-free confirmation and then directly enters the claim link; if the user has an objection, proposing an objection reason and submitting a proving material related to the objection to the server, after the server receives the objection, if the objection is judged to be invalid, explaining a refund reason, and issuing refund information to the client, wherein the refund can not be complained again; if the judgment result shows that the objection is valid, the objection is confirmed, objection information is issued, claims settlement and claims verification programs are restarted and recalculated, the claims settlement and claims verification programs are sent to the client for confirming again, and a claims payment link is entered after the objection does not exist.
By adopting the technical scheme, the personal interests of the users are guaranteed to the maximum extent, and the loss of the users suffering from serious disasters is reduced.
The invention is further configured to: in step S6, check the claim information, which includes the insured information, the claim amount, the bank card and the mobile phone number, after the check, send the claim information to the user end for confirmation through the server end, if the user has no modification, send the confirmation information to the server end, wait for the claim; if the user has modification, the modification information is sent to the server side, and after the error is confirmed again, the user waits for paying.
By adopting the technical scheme, the method and the device are mainly used for avoiding the situation that the user cannot receive the claim payment due to asymmetric information.
An insurance platform based on a block chain rapid insurance application and claim settlement method comprises a client, a server and a server, wherein the client is used for acquiring insurance application information, transplanting information, insurance declaration information and insurance evidence information of a user and feeding back claim payment items to the user;
the information acquisition middle terminal is used for storing and uploading planting contract information and transplanting information of users in the region, executing a checking program and collecting insurance evidence information;
the server is used for collecting, storing and processing the information sent to the server by the client and the information acquisition middle terminal and feeding back the processed information;
the client, the information acquisition middle end and the server are in communication connection.
By adopting the technical scheme, the client, the information acquisition middle end and the server end are arranged, so that the user, the third-party organization and the management company are closely linked together, and the user can rapidly apply insurance and apply for claim settlement through the client as required; the information acquisition middle end is used as a middle monitoring mechanism and is used for providing objective and fair information for the server; when a user sends out a request for insuring or claim settlement through the client, the server can respond in time and quickly.
In conclusion, the beneficial technical effects of the invention are as follows:
1. the information acquisition middle end is used for storing and acquiring objective and fair information and sending the objective and fair information to the server, so that the server compares the information sent by the client and the information acquisition middle end, the error rate of the information is reduced, and the insurance application efficiency is improved; meanwhile, during claim settlement, whether the insurance responsibility range is met or not is judged through mutual verification among data reported by all the main bodies and mutual verification among data of all the main bodies and the information acquisition middle end, and quick claim settlement is realized, so that the frequency and cost of investigation when people go out to the field are reduced;
2. whether the user confirms the application or not is prompted in a mode of reconfirming, so that the error application caused by misoperation is avoided;
3. through the mode of complaining again after once refuting, the benefit of the user of carelessness has been guaranteed to the maximize, reduces the serious user's loss of suffering from a disaster.
Drawings
FIG. 1 is a schematic diagram showing the relationship between terminals of an application platform;
FIG. 2 is a flow chart embodying rapid application and claim settlement;
FIG. 3 is a flow chart embodying insurance contract signing;
FIG. 4 is a flow chart showing transplant reporting;
FIG. 5 is a flow chart showing a case for an insurance claim;
FIG. 6 is a flow chart embodying the survey for damage assessment;
FIG. 7 is a flow chart embodying an exposure to pay data;
FIG. 8 is a flow chart embodying claim payment.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
Referring to fig. 1, the invention discloses an application platform based on a block chain rapid application and claim settlement method, which is mainly directed to a user planting tobacco leaves. The application platform comprises a client, an information acquisition middle end and a server, the client, the information acquisition middle end and the server are connected through wireless communication in a mode of 3G, 4G, 5G and Wi-Fi. The client is mainly used as a bridge for the connection between the tobacco grower and the tobacco cooperation society and the server, wherein the tobacco grower or the tobacco cooperation society is generally called as a user, and the client is used for acquiring insurance information, transplanting information, insurance declaration information and insurance evidence information and feeding back the claim payment items to the user.
The information acquisition middle end is mainly used by a third party organization in the area, namely a tobacco leaf station, and is used for storing and uploading planting contract information and transplanting information of users in the area, executing a checking program and collecting insurance evidence information. The tobacco seedlings planted by the user are all provided by the tobacco station, and when the tobacco seedlings are purchased, the information of the planting contract signed by the user and the tobacco station is synchronously input and stored on the information acquisition central terminal and is transmitted to the server terminal for backup.
The server is mainly used by management companies and used for collecting, storing and processing information sent to the server by the client and the information acquisition middle terminal and feeding back the processed information.
The client, the information acquisition middle end and the server end are arranged, so that the user, the third-party organization and the management company are closely linked together, and the user can rapidly apply for insurance or claim settlement through the client as required; the information acquisition middle end is used as a middle monitoring mechanism and is used for providing objective and fair information for the server; when a user sends out a request for insuring or claim settlement through the client, the server can respond in time and quickly.
Referring to fig. 2, the method for fast insurance and claim settlement based on the blockchain specifically includes the following steps: s1: signing an insurance contract; s2: transplanting; s3: making an insurance report; s4: surveying and damage assessment; s5: paying data publicity; s6: paying.
Referring to fig. 3, in step S1, the user inputs personal information, parcel information and planting variety information through the client, and sends the information to the server after selecting the insurance type and the insurance amount, wherein the input information specifically includes name, identification card number, mobile phone number, bank card number, information of state, city, county and village to which the parcel belongs, parcel position, area, signing time of variety planting contract, uploading planting contract photo, personal photo and identification card photo, parcel photo containing GPS information; meanwhile, the third-party organization counts and uploads the planting contract information in the area to the server through the information acquisition middle end, wherein the planting contract information specifically comprises the number of households, name, identity card number, bank card number, mobile phone number, planting acre number, variety, photo of the planting contract in the area and other planting information;
the server collates and compares the information of the client and the information acquisition middle end to generate policy information, and the policy information is fed back to the client by the server to prompt a user to confirm whether to apply the policy, and if so, the service pays the policy and submits the policy to the server; if the application is refused, directly submitting the refusal request to the server; after receiving the insurance application information, the server arranges the insurance application information into a list, and sends the insurance application information to the user side and the information acquisition middle side, at the moment, the contract takes effect, and the information acquisition middle side receives the insurance application condition and the comprehensive information in the region, including the condition of all the insured users, and is used for recording and recording.
Referring to fig. 4, in step S2, the user uploads the transplant data and the photo during the start and completion of the transplant to the server for recording through the client; the third-party mechanism synchronously uploads the transplanting data and the photos in the transplanting starting and finishing processes to the server side for storage through the information acquisition middle side; the data types collected by the client and the server are the same and comprise transplanting starting time, transplanting finishing time, land position, area, transplanting plant number and type, the server compares contract information transmitted by the client and the information collection middle end after receiving the transplanting data, and if the information is correct, the background records the data; and if the information is wrong, the information is respectively sent to the client and the information acquisition middle terminal, and the information acquisition and confirmation program is restarted.
Referring to fig. 5, in step S3, if a disaster occurs, a user reports through a client and sends information to a server, the case needs to be reported within 12 hours after the disaster occurs, the reported content includes natural disaster type, damaged parcel information, date, damaged parcel and tobacco plant photo, and estimates loss (referring to the percentage of damaged tobacco plants estimated in the damaged area), after the server receives the report, the server sends a report check instruction to a third party organization through an information acquisition middle end, checks the authenticity of the disaster, and feeds the result back to the server, and meanwhile, the server compares locally weather forecast, insurance contract and the content of the report, reports within 12 hours, and judges whether the case belongs to an insurance responsibility range after comprehensive comparison, if so, sends information to the client to inform the client, and entering a damage assessment program; if not, the information is sent to the client side to inform the client side of the rejection.
If the user accepts the rejection report or agrees after the report notification, waiting for the next notification; if the result does not accord with the insurance responsibility range, the report module of the user side is used for proposing a complaint and uploading the complaint reason to the server side, then the third-party organization is informed again to check, the result is fed back to the server side, and if the result does not accord with the insurance responsibility range, the report is rejected again, and the report program is terminated.
Referring to fig. 6, in step S4, after the damage is determined, the user collects data and documents through the client and uploads the data and documents to the server after the disaster occurs, the third party organization samples and collects the data and documents through the information collection middle end and uploads the data and documents to the server, the data uploaded by the third party organization and the third party organization include damaged photographs of the land with GPS positions, acreage numbers, damaged tobacco plants, photographs of tobacco plant leaves (five-point fixed point sampling photographs), descriptions of whether measures are taken to avoid loss enlargement, evidence photographs, and (if any) data of the loss percentage of the land tobacco plants, the server verifies the data and documents after receiving the data, verifies and confirms the data reported by each main body, if there is no obvious difference or data suspicious, it is determined that the data documents are not suspicious, the calculation of the claim amount is started, and the calculation of the claim amount needs to satisfy the following formula: the payout amount = the highest payout limit x acreage x percent damage of the growth cycle-the amount paid out in the growth cycle; if the data is suspicious or the difference is obvious, automatically or entrustedly allowing a third party to reconnaissance, comparing the documents by the background, such as the insured, insurance contract information, disaster types, growth period and the like, if the information is suspicious, initiating information recheck to other related terminals, requiring to resubmit the information until the data documents are not suspicious, and starting to calculate the claim payment amount.
Referring to fig. 7, in step S5, the management company feeds back the claim data to the client and the information collection middle terminal through the server for notification, if the user does not agree, the confirmation information is transmitted to the server through the client, and the server receives the agreement-free confirmation and then directly enters the claim link; if the user has an objection, proposing an objection reason and submitting a proving material related to the objection to the server, after the server receives the objection, if the objection is judged to be invalid, explaining a refund reason, and issuing refund information to the client, wherein the refund can not be complained again; if the abnormal comments are judged to be valid, the abnormal comments are confirmed, abnormal information is issued, claims settlement and claim verification programs are restarted for recalculation, the claim payment data are sent to the client for reconfirming after calculation is finished, and a claim payment link is entered after no abnormal comments exist.
Referring to fig. 8, in step S6, after receiving the confirmation information, the server and the information collection middle end start to check the claim payment information, which includes the insured information, the claim payment amount, the bank card and the mobile phone number, and after the check is completed, the server sends the claim payment information to the user end for confirmation, and if the user does not modify, the server sends the confirmation information to the server end to wait for the claim payment; if the user has modification, the modification information is sent to the server side, and after the user is confirmed to be correct again, the user waits for the claim payment, the program is mainly used for avoiding the situation that the user cannot receive the claim payment due to asymmetric information, and the claim payment items are normally paid within 5 working days.
Compared with the insurance application platform in the prior art, the information acquisition middle end is arranged for storing and acquiring objective and fair information and sending the objective and fair information to the service end, so that the service end compares the information sent by the client and the information acquisition middle end, the error rate of the information is reduced, and the insurance application efficiency is improved; meanwhile, during claim settlement, whether the insurance responsibility range is met or not is judged through mutual verification among data reported by all the main bodies and mutual verification among data of all the main bodies and the information acquisition middle end, and quick claim settlement is realized, so that the frequency and cost of investigation when people go out to the field are reduced.
The embodiments of the present invention are preferred embodiments of the present invention, and the scope of the present invention is not limited by these embodiments, so: all equivalent changes made according to the structure, shape and principle of the invention are covered by the protection scope of the invention.
Claims (10)
1. A block chain-based method for rapid insurance application and claim settlement is characterized in that: the method comprises the following steps:
s1: the insurance contract is signed, and a user inputs personal information, plot information and planting variety information through a client, selects an insurance type and then sends the insurance type to a server;
the third-party organization counts the planting contract information in the region through the information acquisition middle end and uploads the information to the server end;
the server collates and compares the information of the client and the information acquisition middle end to generate policy information, and the policy information is fed back to the client by the server;
s2: transplanting, wherein a user uploads transplanting data and photos in the transplanting starting and finishing processes to a server for recording through the client; the third-party mechanism synchronously uploads the transplanting data and the photos in the transplanting starting and finishing processes to the server side for storage through the information acquisition middle side;
s3: reporting a case, namely reporting the case by a user through a client and sending information to a server to check whether the case belongs to the insurance responsibility range, and if not, sending the information to the client to inform rejection; if so, sending the information to the client side to inform the client side of passing, and entering a damage assessment program;
s4: the loss is surveyed and determined, a user collects data and documents through a client and uploads the data and documents to a server, a third-party mechanism collects the data and documents through an information collection middle end and uploads the data and documents to the server, the server verifies the data and documents after receiving the data, and if the data documents are not suspicious, the calculation of the reimbursement amount is started;
s5: the method comprises the following steps of disclosing claim data, feeding back the claim data to a client and an information acquisition middle end for informing;
s6: and (4) paying, and after the information is confirmed, the server side issues a paying amount according to the confirmation information.
2. The method for block chain based fast insurance and claim settlement according to claim 1, wherein: in step S1, the information entered by the client includes name, identification card number, mobile phone number, bank card number, information of state, city, village and village of the plot, plot position, area, variety planting contract signing time, uploading planting contract photo, personal photo, identification card photo, plot photo containing GPS information;
the information uploaded by the information acquisition middle end comprises the number of households, name, identity card number, bank card number, mobile phone number, planting acres, variety, regional planting contract photos and other planting information.
3. The method for block chain based fast insurance and claim settlement according to claim 1, wherein: in step S1, after the service end feeds back the policy information to the client, the user confirms again on the client whether to apply the policy, and if yes, pays the premium and submits it to the service end; if the application is refused, directly submitting the refusal request to the server; after receiving the insurance application information, the server arranges the insurance application information into a list, and sends the insurance application information to the user side and the information acquisition middle side, at the moment, the contract takes effect, and the insurance application condition and the comprehensive information in the region are received by the information acquisition middle side and include the conditions of all the insured users.
4. The method for block chain based fast insurance and claim settlement according to claim 1, wherein: in step S2, the server compares the contract information after receiving the transplanting data, and if no error exists, records in the background; and if the error exists, the information is respectively sent to the client and the information acquisition middle end, and the information acquisition and confirmation program is restarted.
5. The method for block chain based fast insurance and claim settlement according to claim 1, wherein: in step S3, after receiving the report information, the server sends a report check instruction to the third party organization through the information collection middle end, and the background compares and checks the local weather forecast, the content of the insurance contract and the report, whether the report is reported within 12 hours, whether the report belongs to the insurance responsibility range, and notifies the user after comprehensive comparison.
6. The method of claim 5, wherein the method comprises: if the user accepts the refusal report or agrees after the report notification, waiting for the next notification; if the result does not accord with the insurance responsibility range, the report module of the user side is used for proposing a complaint and uploading the complaint reason to the server side, then the third-party organization is informed again to check, the result is fed back to the server side, and if the result does not accord with the insurance responsibility range, the report is rejected again, and the report program is terminated.
7. The method for block chain based fast insurance and claim settlement according to claim 1, wherein: in step S4, the calculation of the payout amount satisfies the following formula: the payout amount = the highest payout limit x acre x percentage damage of the growth cycle-the amount paid out in the growth cycle.
8. The method for block chain based fast insurance and claim settlement according to claim 1, wherein: in step S5, after the claim data is fed back to the user, if the user has no objection, the confirmation information is transmitted to the server through the user side, and the server receives the objection-free confirmation and then directly enters the claim link; if the user has an objection, proposing an objection reason and submitting a proving material related to the objection to the server, after the server receives the objection, if the objection is judged to be invalid, explaining a refund reason, and issuing refund information to the client, wherein the refund can not be complained again; if the judgment result shows that the objection is valid, the objection is confirmed, objection information is issued, claims settlement and claims verification programs are restarted and recalculated, the claims settlement and claims verification programs are sent to the client for confirming again, and a claims payment link is entered after the objection does not exist.
9. The method for block chain based fast insurance and claim settlement according to claim 1, wherein: in step S6, check the claim information, which includes the insured information, the claim amount, the bank card and the mobile phone number, after the check, send the claim information to the user end for confirmation through the server end, if the user has no modification, send the confirmation information to the server end, wait for the claim; if the user has modification, the modification information is sent to the server side, and after the error is confirmed again, the user waits for paying.
10. An application platform of the method for block chain based fast application and claim settlement according to any one of claims 1 to 9, wherein: the system comprises a client, a system server and a system server, wherein the client is used for acquiring insurance application information, transplanting information, insurance reporting information and insurance evidence information of a user and feeding back the paid claims to the user;
the information acquisition middle terminal is used for storing and uploading planting contract information and transplanting information of users in the region, executing a checking program and collecting insurance evidence information;
the server is used for collecting, storing and processing the information sent to the server by the client and the information acquisition middle terminal and feeding back the processed information;
the client, the information acquisition middle end and the server are in communication connection.
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
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