WO2021208754A1

WO2021208754A1 - Blockchain-based traffic accident processing

Info

Publication number: WO2021208754A1
Application number: PCT/CN2021/085161
Authority: WO
Inventors: 袁园
Original assignee: 支付宝(杭州)信息技术有限公司
Priority date: 2020-04-15
Filing date: 2021-04-02
Publication date: 2021-10-21
Also published as: CN111506652B; CN111506652A

Abstract

A blockchain-based traffic accident processing method, being applied to a client. A blockchain stores a correspondence between vehicle identity information and vehicle insurance detail data. The method comprises: in response to an operation of an accident participant user, obtaining the vehicle identity information of other accident participant users related to an accident, and querying vehicle insurance detail data corresponding to the vehicle identity information and stored in a blockchain; outputting and displaying the vehicle identity information and the vehicle insurance detail data to the accident participant user by means of an interface; and in response to a confirmation operation of the accident participant user for the vehicle identity information and the vehicle insurance detail data, publishing obtained accident data to the blockchain for evidence storage, wherein the accident data is used for traffic accident claim settlement, and the accident data comprises the vehicle identity information of the accident participant user related to the accident, and a correspondence of evidence obtaining data related to an accident site.

Description

Blockchain-based traffic accident handling

Technical field

The embodiments of this specification relate to the field of blockchain technology, and in particular to the treatment of traffic accidents based on the blockchain.

Background technique

Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computing devices participate in "bookkeeping" and jointly maintain a complete distributed database. Because the blockchain technology has the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and the rapid data synchronization between computing devices, the blockchain technology has been widely used in many fields. To apply.

Summary of the invention

This manual proposes a block chain-based traffic accident handling method, which is applied to the client. The block chain stores the correspondence between vehicle identity information and vehicle insurance detail data. The method includes: in response to an operation of an accident participant user, obtaining vehicle identity information of other accident participant users related to the accident, and querying the vehicle insurance details corresponding to the vehicle identity information stored in the blockchain Data; the vehicle identity information and the vehicle insurance details data are output and displayed to the accident participant user through the interface; in response to the accident participant user’s confirmation operation of the vehicle identity information and the vehicle insurance details data , Publish the acquired accident data to the blockchain for storage, the accident data is used for traffic accident claims; the accident data includes the vehicle identity information of the accident participant users related to the accident and the accident Correspondence of forensic data related to the scene.

Optionally, in response to the operation of the accident participant user, obtaining the vehicle identity information of other accident participant users related to the accident includes: responding to the image scanning operation of the accident participant user for other accidents related to the accident The graphic code generated based on the vehicle identity information output on the client of the participant user is coded and identified to obtain the vehicle identity information of other accident participant users.

Optionally, the graphic code includes a two-dimensional code.

Optionally, a smart contract for accident management is deployed in the blockchain. The responding to the operation of confirming the vehicle identity information and the vehicle insurance details data by the user of the accident participant, publishing the acquired accident data to the blockchain for storage, includes: responding to the The user of the accident participant confirms the vehicle identity information and the vehicle insurance details data to construct a first transaction for initiating an accident report, wherein the first transaction includes the accident data related to the accident scene; Publish the first transaction to the block chain, so that the node device in the block chain responds to the first transaction and invokes the verification logic in the smart contract to perform processing on the accident data Legitimacy verification; if the legitimacy verification of the accident data is passed, the event generation logic in the smart contract is further called to generate the accident event corresponding to the accident data, and the accident event and the accident The data is associated and stored in the distributed ledger of the blockchain.

Optionally, the method further includes: monitoring the accident event generated by the smart contract; in response to the monitored accident event, outputting prompt information corresponding to the accident event to the accident participant user to prompt the accident Participating users initiate claims processing for the accident event.

Optionally, a smart contract for accident claims is deployed in the blockchain. The method further includes: constructing a second transaction for initiating accident claims in response to an accident claim settlement operation for the accident event initiated by an accident participant user; and publishing the second transaction to the blockchain to Make the node device in the blockchain respond to the second transaction, call the verification logic in the smart contract, and obtain the first accident data stored in the blockchain and released by the accident participant user , And the second accident data issued by other accident participant users in the first accident data, and verify whether the first accident data matches the second accident data; if so, further call the smart contract The car accident claims logic in, carries out the car accident claims processing on the users of the accident participants.

Optionally, the forensic data related to the scene of the accident includes one or a combination of the following: the time when the accident occurred, the place where the accident occurred, and image data related to the scene of the accident.

This manual also proposes a block chain-based traffic accident handling method, which is applied to service equipment. The blockchain stores accident data released by users of the accident participant, and the accident data includes the correspondence between the vehicle identity information of the accident participant user related to the accident and the forensic data related to the accident scene. The method includes: in response to an accident claim for an accident participant user, obtaining first accident data released by the accident participant user stored in the blockchain; and determining other accident participation based on the first accident data Party users, and obtain the second accident data released by the other accident participant users stored in the blockchain; verify whether the first accident data matches the second accident data; if so, The user involved in the accident is involved in the settlement of claims for the car accident.

Optionally, the service device is a node device in the blockchain; a smart contract for accident management is deployed in the blockchain. The method further includes: receiving a first transaction sent by the client for initiating an accident report; the first transaction includes the accident data related to the accident scene; in response to the first transaction, invoking the smart contract The verification logic in, to verify the validity of the accident data; if the validity of the accident data is verified, the event generation logic in the smart contract is further invoked to create an accident corresponding to the accident data And store the accident object and the accident data in the distributed ledger of the blockchain in association with each other.

Optionally, the method further includes: monitoring the accident event generated by the smart contract; in response to the monitored accident event, sending prompt information corresponding to the accident event to the claims settlement agency to prompt the claims settlement agency to The incidents mentioned in the accident shall be dealt with for settlement of claims.

Optionally, a smart contract for accident claims is deployed in the blockchain. In response to the settlement of an accident claim for an accident participant user, acquiring first accident data stored in the blockchain and released by the accident participant user, and determining other accident participant users based on the first accident data, And obtain the second accident data released by the other accident participant users stored in the blockchain, and verify whether the first accident data matches the second accident data, including: receiving the accident participant The second transaction sent by the user through the client to initiate accident claims; in response to the second transaction, the verification logic in the smart contract is invoked to obtain the accident participant user stored in the blockchain According to the first accident data released, other accident participant users are determined based on the first accident data, and the second accident data released by the other accident participant users stored in the blockchain is obtained, and the first accident data is verified. Whether an accident data matches the second accident data. If it is, performing car accident compensation processing on the accident participant user includes: if it is, further invoking the car accident compensation logic in the smart contract to perform car accident compensation processing on the accident participant user.

Optionally, the method further includes: after the car accident claim settlement process for the accident participant user is completed, publishing the car accident claim settlement record for the accident participant user to the blockchain for storage.

This manual also proposes a block chain-based traffic accident handling device, which is applied to the client. The block chain stores the correspondence between vehicle identity information and vehicle insurance detail data. The device includes: a first acquisition module, in response to the operation of the accident participant user, obtains the vehicle identity information of other accident participant users related to the accident, and queries the vehicle identity information stored in the blockchain Corresponding vehicle insurance details data; an output module, which outputs and displays the vehicle identity information and the vehicle insurance details data to the users of the accident participants through the interface; the deposit module, which responds to the accident participants’ user’s comments on the vehicle The operation of confirming the identity information and the vehicle insurance details data is to publish the acquired accident data to the blockchain for storage; wherein, the accident data is used for traffic accident claims; the accident data includes the Correspondence between the vehicle identity information of the users involved in the accident and the forensic data related to the accident scene.

Optionally, the first acquisition module: in response to the image scanning operation of the user of the accident participant, encode the graphic code generated based on the vehicle identity information output on the client of the user of the other accident participant related to the accident Identification to obtain vehicle identity information of other users involved in the accident.

Optionally, the graphic code includes a two-dimensional code.

Optionally, a smart contract for accident management is deployed in the blockchain. The deposit certificate module: in response to the confirmation operation of the vehicle identity information and the vehicle insurance details data by the user of the accident participant, construct a first transaction for initiating an accident report, the first transaction including the The accident data related to the accident scene; publish the first transaction to the blockchain so that the node device in the blockchain can call the verification logic in the smart contract in response to the first transaction To verify the legality of the accident data; if the legality of the accident data is verified, the event generation logic in the smart contract is further invoked to generate an accident event corresponding to the accident data, and the The accident event and the accident data are associated and stored in the distributed ledger of the blockchain.

Optionally, it further includes: a first monitoring module that monitors the accident event generated by the smart contract; in response to the monitored accident event, outputting prompt information corresponding to the accident event to the accident participant user, The user of the accident participant is prompted to initiate a claim settlement process for the accident event.

Optionally, a smart contract for accident claims is deployed in the blockchain. The device further includes: a first claim settlement module, which constructs a second transaction for initiating accident claims in response to an accident settlement operation initiated by an accident participant user for the accident event; and publishes the second transaction to the Block chain, so that the node device in the block chain, in response to the second transaction, invokes the verification logic in the smart contract to obtain the information stored in the block chain and issued by the accident participant user The first accident data of the first accident data, and the second accident data released by other accident participant users in the first accident data, and verify whether the first accident data matches the second accident data; if so, further Calling the car accident compensation logic in the smart contract to perform car accident compensation processing on the accident participant user.

This manual also proposes a block chain-based traffic accident handling device, which is applied to service equipment. Wherein, the blockchain stores accident data released by users of accident participants; the accident data includes the correspondence between the vehicle identity information of the accident participant users related to the accident and the forensic data related to the accident scene; The device includes: a second acquisition module, which, in response to an accident claim for an accident participant user, acquires the first accident data released by the accident participant user stored in the blockchain; and determines based on the first accident data Other accident participant users, and obtain the second accident data stored in the blockchain and released by the other accident participant users; the verification module verifies whether the first accident data matches the second accident data ; The second claim settlement module, if it is, the vehicle accident claim settlement process for the user of the accident participant.

Optionally, the service device is a node device in the blockchain; a smart contract for accident management is deployed in the blockchain. The device further includes: a generating module that receives a first transaction sent by the client for initiating an accident report; the first transaction includes the accident data related to the accident scene; in response to the first transaction, calling the The verification logic in the smart contract is used to verify the validity of the accident data; if the validity verification of the accident data is passed, the event generation logic in the smart contract is further invoked to create a connection with the accident data Corresponding accident events, and store the accident object and the accident data in the distributed ledger of the blockchain in association with each other.

Optionally, the device further includes: a second monitoring module that monitors the accident event generated by the smart contract; in response to the monitored accident event, sending prompt information corresponding to the accident event to the claims settlement agency to Prompt the claims agency to handle claims for the accident.

Optionally, a smart contract for accident claims is deployed in the blockchain. The verification module: receives the second transaction for initiating accident claims sent by the user of the accident participant through the client; in response to the second transaction, invokes the verification logic in the smart contract to obtain the block The first accident data released by the accident participant user stored in the chain, other accident participant users are determined based on the first accident data, and the other accident participant users stored in the blockchain are obtained The released second accident data verifies whether the first accident data matches the second accident data. The second claim settlement module: if yes, further call the auto accident claim settlement logic in the smart contract to perform auto accident claim settlement processing on the accident participant user.

Optionally, the second claim settlement module further: after completing the auto accident claim settlement process for the accident participant user, publish the auto accident claim settlement record for the accident participant user to the blockchain for storage.

In the above technical solutions, on the one hand, because users can access the data stored in the blockchain through the client, they can quickly exchange their own vehicle insurance details data with other accident participants, and check the vehicle identity data of other accident participants. Carry out mutual verification and confirmation with the vehicle insurance details data, and after confirming the vehicle identity data and vehicle insurance details data of other accident participants, the vehicle identity information of the accident participant users and the accident site-related information can be verified through the client. Forensic data is used as accident data for traffic accident claims to be independently reported to the blockchain for storage, and the traffic management department staff is no longer required to deal with the accident. Therefore, it can reduce the workload of the traffic management department and improve the reporting and compensation of accidents. The processing efficiency.

On the other hand, because the claims settlement agency can match the accident data stored in the blockchain by the user and other accident participant users when making accident claims against the user of the accident participant, so as to verify the truth of the accident. This can prevent users from unilaterally publishing false accident data to the blockchain to defraud claims, and improve the security of accident claims.

Description of the drawings

Fig. 1 is a schematic diagram of creating a smart contract according to an exemplary embodiment;

Fig. 2 is a schematic diagram of invoking a smart contract provided by an exemplary embodiment;

Fig. 3 is a schematic diagram of creating a smart contract and invoking a smart contract provided by an exemplary embodiment;

Fig. 4 is a flow chart of an accident handling method based on blockchain provided by an exemplary embodiment;

Fig. 5 is a schematic structural diagram of an electronic device provided by an exemplary embodiment;

Fig. 6 is a block diagram of a block chain-based traffic accident handling device provided by an exemplary embodiment;

Fig. 7 is a block diagram of another device for handling traffic accidents based on blockchain according to an exemplary embodiment.

Detailed ways

The exemplary embodiments will be described in detail here, and examples thereof are shown in the accompanying drawings. When the following description refers to the accompanying drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with one or more embodiments of this specification. Rather, they are merely examples of devices and methods consistent with some aspects of one or more embodiments of this specification as detailed in the appended claims.

It should be noted that in other embodiments, the steps of the corresponding method may not be executed in the order shown and described in this specification. In some other embodiments, the method may include more or fewer steps than described in this specification. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; and multiple steps described in this specification may also be combined into a single step in other embodiments. describe.

Blockchain is generally divided into three types: Public Blockchain, Private Blockchain and Consortium Blockchain. In addition, there can also be a combination of the above types, such as private chain + consortium chain, consortium chain + public chain, and so on.

Among them, the most decentralized one is the public chain. The public chain is represented by Bitcoin and Ethereum. Participants who join the public chain (also called nodes in the blockchain) can read the data records on the chain, participate in transactions, and compete for the accounting rights of new blocks, etc. . Moreover, each node can freely join or exit the network, and perform related operations.

The private chain is the opposite. The write permission of the network is controlled by an organization or institution, and the data read permission is regulated by the organization. In simple terms, a private chain can be a weakly centralized system with strict restrictions on nodes and a small number of nodes. This type of blockchain is more suitable for internal use by specific institutions.

Consortium chain is a block chain between public chain and private chain, which can realize "partial decentralization". Each node in the alliance chain usually has a corresponding entity or organization; nodes are authorized to join the network and form a stakeholder alliance to jointly maintain the operation of the blockchain.

Based on the basic characteristics of the blockchain, the blockchain is usually composed of several blocks. The time stamps corresponding to the creation time of the block are respectively recorded in these blocks, and all the blocks strictly follow the time stamps recorded in the block to form a time-ordered data chain.

For the real data generated in the physical world, it can be constructed into a standard transaction format supported by the blockchain, and then published to the blockchain, and the node devices in the blockchain will perform consensus processing on the received transactions , And after reaching a consensus, the node device as the bookkeeping node in the block chain will package the transaction into the block and carry out persistent storage in the block chain.

Among them, the consensus algorithms supported in the blockchain can include: the first type of consensus algorithm, that is, the consensus algorithm that node devices need to compete for the accounting right of each round of accounting cycle, for example, Proof of Work (POW) ), Proof of Stake (POS), Delegated Proof of Stake (DPOS) and other consensus algorithms; the second type of consensus algorithm, that is, pre-election of accounting nodes for each round of accounting cycle (no need to compete Accounting rights) consensus algorithms; for example, practical Byzantine Fault Tolerance (PBFT) and other consensus algorithms.

In the blockchain network using the first type of consensus algorithm, all node devices that compete for the right to keep accounts can execute the transaction after receiving the transaction. Among the node devices that compete for the right to bookkeeping, one node device may win this round of contention for the right to bookkeeping and become the bookkeeping node. The accounting node can package the received transaction with other transactions to generate the latest block, and send the generated latest block or the block header of the latest block to other node devices for consensus.

In the blockchain network using the second type of consensus algorithm, the node device with the right to book accounts has been agreed before this round of bookkeeping. Therefore, after the node device receives the transaction, if it is not the accounting node of this round, it can send the transaction to the accounting node. For this round of accounting nodes, the transaction can be executed during or before the process of packaging the transaction with other transactions to generate the latest block. After the accounting node generates the latest block, it can send the latest block or the block header of the latest block to other node devices for consensus.

As mentioned above, no matter which consensus algorithm shown above is adopted by the blockchain, the accounting node in this round can package the received transaction to generate the latest block, and the generated latest block or the latest block The header of the block is sent to other node devices for consensus verification. If other node equipment receives the latest block or the block header of the latest block, it is verified that there is no problem, and the latest block can be appended to the end of the original blockchain to complete the accounting process of the blockchain. In the process of verifying the new block or block header sent by the accounting node, other nodes can also execute the transactions contained in the block.

In the field of blockchain, an important concept is Account; taking Ethereum as an example, Ethereum usually divides accounts into external accounts and contract accounts; external accounts are accounts directly controlled by users, also called It is a user account; while a contract account is an account created by a user through an external account and contains the contract code (ie smart contract).

Of course, for some blockchain models derived from the Ethereum architecture (such as the Ant blockchain), the account types supported by the blockchain can also be further extended, which is not particularly limited in this specification.

For accounts in the blockchain, a structure is usually used to maintain the account status of the account. When the transaction in the block is executed, the state of the account related to the transaction in the blockchain will usually change.

Taking Ethereum as an example, the structure of an account usually includes fields such as Balance, Nonce, Code, and Storage. in:

The Balance field is used to maintain the current account balance of the account;

The Nonce field is used to maintain the number of transactions of the account; it is a counter used to ensure that each transaction can be processed and can only be processed once, effectively avoiding replay attacks;

The Code field is used to maintain the contract code of the account; in actual applications, the Code field usually only maintains the hash value of the contract code; therefore, the Code field is usually also called the Codehash field.

The Storage field is used to maintain the storage content of the account (the default field value is empty); for contract accounts, an independent storage space is usually allocated to store the storage content of the contract account; the independent storage space is usually Call it the account storage of the contract account. The storage content of the contract account is usually constructed as an MPT (Merkle Patricia Trie) tree and the data structure is stored in the above independent storage space; among them, the MPT tree constructed based on the storage content of the contract account is usually also called the Storage tree . The Storage field usually only maintains the root node of the Storage tree; therefore, the Storage field is usually also called the StorageRoot field.

Among them, for the external account, the field values of the Code field and the Storage field shown above are all null values.

For most blockchain models, Merkle trees are usually used; or, based on the data structure of Merkle trees, to store and maintain data. Take Ethereum as an example. Ethereum uses the MPT tree as a form of data organization to organize and manage important data such as account status and transaction information. Among them, the MPT tree is a Merkle tree variant that incorporates the tree structure of the Trie dictionary tree.

Ethereum has designed three MPT trees for the data that needs to be stored and maintained in the blockchain, namely the MPT state tree, the MPT transaction tree and the MPT receipt tree. Among them, in addition to the above three MPT trees, there is actually a Storage tree constructed based on the storage content of the contract account.

MPT state tree is an MPT tree organized by the account state data of all accounts in the blockchain; MPT transaction tree is an MPT tree organized by transaction data in the blockchain; MPT receipt tree , Is the MPT tree organized by the receipt of each transaction generated after the transactions in the block are executed. The hash values of the root nodes of the MPT state tree, MPT transaction tree, and MPT receipt tree shown above will all be added to the block header of the corresponding block eventually.

Among them, the MPT transaction tree and MPT receipt tree correspond to blocks, that is, each block has its own MPT transaction tree and MPT receipt tree. The MPT state tree is a global MPT tree, which does not correspond to a specific block, but covers the account state data of all accounts in the blockchain.

It should be noted that each time the blockchain generates a newest block, after the transaction in the latest block is executed, the relevant account of the executed transaction in the blockchain (can be an external account or a contract account) The account status of, usually will also change accordingly;

For example, when a "transfer transaction" in the block is executed, the balance of the transferor account and transferee account related to the "transfer transaction" (that is, the field value of the Balance field of these accounts) will usually follow It has changed.

After the transaction of the node device in the latest block generated by the blockchain is completed, because the account status in the current blockchain has changed, the node device needs to use the current account status data of all accounts in the blockchain to Construct the MPT state tree to maintain the latest state of all accounts in the blockchain.

That is, whenever a newest block is generated in the blockchain, and the transaction in the latest block is executed, the account status in the blockchain changes, and the node device needs to be based on all accounts in the blockchain With the latest account status data, rebuild an MPT status tree.

In other words, each block in the blockchain has a corresponding MPT state tree; the MPT state tree maintains that after the transactions in the block are executed, all accounts in the blockchain are up to date The status of the account.

In practical applications, whether it is a public chain, a private chain or a consortium chain, it is possible to provide the function of a smart contract (Smart contract). Smart contracts on the blockchain are contracts that can be triggered and executed by transactions on the blockchain. Smart contracts can be defined in the form of codes.

Taking Ethereum as an example, it supports users to create and call some complex logic in the Ethereum network. Ethereum is a programmable blockchain, and its core is the Ethereum Virtual Machine (EVM), and each Ethereum node can run the EVM. EVM is a Turing complete virtual machine, through which various complex logic can be realized. Users who publish and call smart contracts in Ethereum run on the EVM. In fact, EVM directly runs virtual machine code (virtual machine bytecode, hereinafter referred to as "bytecode"), so the smart contract deployed on the blockchain can be bytecode.

As shown in Figure 1, after Bob sends a transaction that contains information to create a smart contract to the Ethereum network, each node can execute the transaction in the EVM. Among them, the From field of the transaction in Figure 1 is used to record the address of the account that initiated the creation of the smart contract, the contract code saved in the field value of the Data field of the transaction can be bytecode, and the field value of the To field of the transaction is a null( Empty) account. After the nodes reach an agreement through the consensus mechanism, the smart contract is successfully created, and subsequent users can call the smart contract.

After the smart contract is created, a contract account corresponding to the smart contract appears on the blockchain and has a specific address; for example, "0x68e12cf284..." in each node in Figure 1 represents the address of the created contract account ; Contract code (Code) and account storage (Storage) will be stored in the account storage of the contract account. The behavior of the smart contract is controlled by the contract code, and the account storage of the smart contract saves the state of the contract. In other words, smart contracts enable virtual accounts containing contract codes and account storage to be generated on the blockchain.

As mentioned above, the Data field containing the transaction that created the smart contract can store the bytecode of the smart contract. The bytecode consists of a series of bytes, and each byte can identify an operation. Based on many considerations such as development efficiency and readability, developers can choose a high-level language to write smart contract code instead of directly writing bytecode. For example, high-level languages such as Solidity, Serpent, and LLL languages can be used. For smart contract code written in a high-level language, it can be compiled by a compiler to generate bytecode that can be deployed on the blockchain.

Taking the Solidity language as an example, the contract code written with it is very similar to the class in the object-oriented programming language. A variety of members can be declared in a contract, including state variables, functions, function modifiers, and events. The state variable is a value permanently stored in the storage (Storage) field of the smart contract, and is used to save the state of the contract.

As shown in Figure 2, still taking Ethereum as an example, after Bob sends a transaction containing the information of invoking the smart contract to the Ethereum network, each node can execute the transaction in the EVM. Among them, the From field of the transaction in Figure 2 is used to record the address of the account that initiated the invocation of the smart contract, the To field is used to record the address of the smart contract being called, and the Data field of the transaction is used to record the method and parameters of invoking the smart contract. After calling the smart contract, the account status of the contract account may change. Later, a certain client can view the account status of the contract account through the connected blockchain node (for example, node 1 in Figure 2).

Smart contracts can be executed independently on each node in the blockchain network in a prescribed manner. All execution records and data are stored on the blockchain, so when such transactions are executed, the blockchain cannot be saved. A transaction certificate that is tampered with and will not be lost.

The schematic diagram of creating a smart contract and invoking a smart contract is shown in Figure 3. To create a smart contract in Ethereum, you need to go through the process of writing a smart contract, turning it into bytecode, and deploying it to the blockchain. Invoking a smart contract in Ethereum is to initiate a transaction pointing to a smart contract address. The EVM of each node can execute the transaction separately, and the smart contract code can be distributed in the virtual machine of each node in the Ethereum network.

In practical applications, when a user has a traffic accident, it usually requires staff from the traffic management department to arrive at the scene, deal with the accident, and report the accident data. When a user needs to settle an accident, he needs to declare a claim to a claims settlement agency (such as an insurance company), and the claims settlement agency verifies the user's claim for the accident that needs to be settled, and then performs the claim settlement for the user.

It is not difficult to understand that in the entire accident reporting and claim settlement process described above, manual processing is still required by the traffic management department and even the claims settlement agency, which will cause high labor costs and low efficiency of accident declaration and settlement.

The purpose of this manual is to propose a way for accident participants to quickly exchange their vehicle identity data and vehicle insurance details data with other accident participants by accessing the data stored in the blockchain for mutual verification, and then autonomously after verification. Report the accident data to the blockchain for storage and complete the technical solution for claim settlement.

In the implementation, the user can upload the corresponding relationship between the vehicle identity information of the vehicle under his own name and the vehicle insurance detail data to the blockchain for storage. When the user has a traffic accident, the client can respond to the user's operation, obtain the vehicle identity information of other accident participants related to the accident, and query the vehicle corresponding to the vehicle identity information stored in the blockchain Insurance details;

After querying the vehicle insurance details data of other users of the accident participants, the vehicle identity data and the vehicle insurance details data can be output and displayed to the users of the accident participants through the interface, and the user can view and verify; After the displayed data is confirmed, the client can respond to the user's confirmation operation and publish the accident data obtained by the client to the blockchain for storage; among them, the accident data can be used for traffic accident claims; the accident data includes and Correspondence between the vehicle identity information of the users involved in the accident related to the accident and the forensic data related to the accident scene obtained by the client.

For users of other accident participants, the same operations described above can also be performed through the client, and the accident data obtained by the client can also be published to the blockchain for storage.

After the accident participant users of the accident all publish the obtained accident data to the blockchain for storage through the client, the claims settlement agency can obtain the blockchain when making claims for the accident participants of the accident. The first accident data released by the user of the accident participant stored in the accident data, and based on the data content of the first accident data to determine other accident participant users related to the accident, and then obtain the user from the other accident participant The second accident data released to the blockchain.

Further, the claims settlement agency can verify whether the first accident data matches the second accident data to confirm the authenticity of the accident; if the two match, it proves that the accident is a real accident, and can further participate in the accident Party users carry out claims processing for car accidents.

In the above technical solutions, on the one hand, because users can access the data stored in the blockchain through the client, they can quickly exchange their vehicle insurance details with other accident participants, and check the vehicle identity of other accident participants. The data and vehicle insurance details data are mutually verified and confirmed, and after the vehicle identity data and vehicle insurance details data of other accident participants are confirmed, the vehicle identity information of all accident participants can be combined with the accident scene through the client. Relevant forensic data is used as accident data for traffic accident claims to be independently reported to the blockchain for storage, and the traffic management department staff is no longer required to deal with the accident. Therefore, it can reduce the workload of the traffic management department and increase the accident. Processing efficiency of reported claims;

On the other hand, since the claims settlement agency can match the accident data stored in the blockchain by the user and the accident data released by other users of the accident participant when making accident claims against the user of the accident participant, to verify the truth of the accident. This can prevent users from unilaterally publishing false accident data to the blockchain to defraud claims, and improve the security of accident claims.

The technical solutions disclosed in this specification will be described in detail below in conjunction with specific embodiments.

Please refer to FIG. 4, which is a flowchart of a method for handling a traffic accident based on a blockchain according to an exemplary embodiment. Wherein, the block chain stores the corresponding relationship between vehicle identity information and vehicle insurance detail data; the method includes the following steps:

Step 402: In response to the operation of the accident participant user, the client obtains the vehicle identity information of other accident participant users related to the accident, and queries the vehicle insurance details corresponding to the vehicle identity information stored in the blockchain data;

In step 404, the client terminal outputs and displays the vehicle identity information and vehicle insurance details data to the users of the accident participants through the interface.

In step 406, the client responds to the confirmation operation of the vehicle identity information and the vehicle insurance details data by the user of the accident participant, and publishes the acquired accident data to the blockchain for storage; The accident data is used for traffic accident claims; the accident data includes the corresponding relationship between the vehicle identity information of the accident participant user related to the accident and the forensic data related to the accident scene;

Step 408: In response to the accident claim for the accident, the service device obtains the first accident data released by the accident participant user stored in the blockchain, determines other accident participant users based on the first accident data, and obtains The second accident data stored in the blockchain and released by the users of the other accident participants;

Step 410: Verify whether the first accident data matches the second accident data; if so, perform a car accident compensation processing on the user of the accident participant.

The above-mentioned client may specifically include client software that provides various value-added services related to the vehicle to the driver. For example, in an example, the above-mentioned client may be an APP called "Driver Wallet" that provides services to drivers; the services provided by the APP to drivers may include parking fees, fines, and payment of driving fees. , Accident declaration, accident claim settlement and other online services.

The above-mentioned service equipment may specifically correspond to a claims settlement institution (such as an insurance company), and may include a server, a server cluster, or a service platform built based on the server cluster that the claims settlement institution provides services to users, and so on. Among them, it should be noted that the above-mentioned service device may be a centralized service device corresponding to a claims settlement institution, or may be added to the blockchain as a node device.

In this manual, the user can upload the corresponding relationship between the vehicle identity information of the vehicle under his own name and the vehicle insurance detail data to the blockchain for storage in advance.

Wherein, the aforementioned vehicle identity information may specifically include vehicle information and user identity information bound to the vehicle information. For example, in practical applications, the aforementioned vehicle information may specifically include the license plate number of the vehicle, engine number, vehicle appearance data (such as a picture of the vehicle appearance), and various information that can uniquely identify the vehicle. The aforementioned user identity information may specifically include the user's ID number, driver's license number, and other information that can uniquely identify the user.

After a traffic accident, users can access the data stored in the blockchain by operating the client, and exchange their vehicle identity information and insurance details with other accident participants for mutual verification.

The client can respond to the user's operation to obtain the vehicle identity information of other accident participant users related to the accident, and use the obtained vehicle identity information of other accident participant users as a query index to query the storage in the blockchain. Vehicle insurance detail data corresponding to the vehicle identity information.

Among them, it should be noted that the specific manner in which the user obtains the vehicle identity information of other accident participant users related to the accident through the client is not particularly limited in this specification.

In the illustrated embodiment, the user can obtain the vehicle identity information of other accident participant users by using the client to scan codes with other accident participant users; in this case, the client can Provide users with an access entry to the graphic code generated by the user’s vehicle identity information; after the user encounters a car accident, all users involved in the car accident can trigger the graphic code on the client by operating the access entry provided by the client. The user interface displays the output.

The user of the accident participant can perform image scanning operations on the graphic code output on the client of other accident participant users through the client to obtain the other party's vehicle identity information. The client can respond to the image scanning operation initiated by the user, identify the graphics code output on the client of other users involved in the accident, and parse the coding information carried in the graphics code to obtain the vehicle identities of other users involved in the accident. information.

Among them, it should be noted that the specific form of the above-mentioned graphic coding is not particularly limited in this specification; for example, it may be a general two-dimensional code, or a bar code other than a two-dimensional code, or other forms Graphic coding.

In this manual, after the user's client has inquired about the vehicle insurance details data stored in the blockchain that corresponds to the vehicle identity information of the other accident participant users mentioned above, it can obtain the vehicle insurance details of the other accident participant users mentioned above. The identity information and the corresponding vehicle insurance detail data are output to the user through the interface, and the user verifies and confirms the vehicle identity information and vehicle insurance detail data of other accident participants in this accident. Correspondingly, for other users involved in the accident, the client can also be used in the same way to scan the image code output by the user’s client to obtain the user’s vehicle identity information and vehicle insurance details, in the interface Perform output display, and then verify and confirm, the specific process will not be repeated.

It is understandable that for any party involved in the accident, the code scanning process described above can exchange vehicle identity data and vehicle insurance details data with other accident participants through the blockchain to verify each other.

Among them, it should be noted that the above-mentioned vehicle insurance details data may specifically include basic information of the insurance company, vehicle insurance information, vehicle insurance validity period and other information; and users can verify whether the vehicle identity information is consistent with the above information of the other party in the accident. Matching of the accident vehicle, whether the claim accident type specified in the vehicle insurance details covers the accident type, whether the validity period of the vehicle insurance expires, and so on.

After the user verifies that the vehicle identity information and vehicle insurance details data of other accident participants output by the client are correct, the client can perform confirmation operations on the information displayed on the client in the client's interface;

For example, in implementation, the client can also provide a corresponding confirmation button when outputting the above information through the interface; after verifying that the above information is correct, the user can trigger the confirmation button by clicking, etc., Confirm the above information.

After the user performs the confirmation operation on the vehicle identity information and vehicle insurance details data of the other users involved in the accident on the client, the client can respond to the confirmation operation and publish the acquired accident data related to the accident to The blockchain is used to deposit the certificate to complete the report of the accident;

Of course, in practical applications, for the purpose of data privacy protection, it is also possible to publish only the data summary (such as the hash value) of the accident data related to this accident to the blockchain for storage, and the original accident data The content is locally on the client or further submitted by the client to the claims agency for storage. That is, in this specification, the accident data published by the client to the blockchain may be the original content of the accident data or the summary data of the accident data, which is not particularly limited in this specification.

Wherein, the aforementioned accident data is specifically used for traffic accident claims; the aforementioned accident data may include the corresponding relationship between the vehicle identity information of the accident participant user related to the aforementioned accident and the forensic data related to the accident scene.

It should be noted that the vehicle identity information included in the aforementioned accident data may include the vehicle identity information of all users of the accident participants, or it may only include the vehicle identity information of at least multiple accident participants among all the users of the accident participants. There is no particular limitation in this specification.

For example, assuming that users A, B, and C have a third-party accident, the accident data published by A to the blockchain can include the vehicle identity information of users A, B, and C, or only include user A’s vehicle Identity information, and the vehicle identity information of one of the users involved in the accident in B or C.

The foregoing forensic data related to the accident site may specifically include one or a combination of data such as the time of the accident, the location of the accident, and image data related to the accident site. Among them, the above-mentioned image data may specifically include pictures, videos or other forms of image data that can restore the conditions of the accident scene.

In the illustrated embodiment, the forensic data may be data obtained by the user in real time when the client responds to the user's confirmation operation.

For example, take the above forensic data as an example of pictures related to the scene of the accident; in this case, when the user performs a confirmation operation on the client's vehicle identity information and vehicle insurance details data of the other users involved in the accident After that, the client can respond to the confirmation operation by outputting a prompt message to the user through the interface "whether to jump to the shooting interface to shoot the scene of the accident?" After the user confirms, the user jumps to the shooting interface to shoot the scene of the accident for evidence; or, also You can jump directly to the shooting interface to shoot and collect evidence at the scene of the accident.

Of course, in implementation, the aforementioned forensic data may also be data obtained in advance by the user using the client. For example, the above forensic data is still taken as an example of pictures related to the scene of the accident; in this case, when the user performs confirmation on the client's vehicle identity information and vehicle insurance details data of the other users involved in the accident After the operation, the client can respond to the confirmation operation and output an upload entry to the user through the interface; the user can trigger the upload entry and select the pictures of the accident scene that have been taken from the album catalog to upload.

Correspondingly, for users of other accident participants, the accident data related to this accident can also be uploaded to the blockchain in the same way, which will not be repeated here. In this specification, a smart contract for accident management may also be pre-deployed on the above-mentioned blockchain; among them, for the deployment process of the smart contract, please refer to the specific process described in Figure 1 and will not be repeated.

The code execution logic corresponding to the contract code declared in the smart contract can include the verification logic used to verify the validity of the accident data, and the accident event generation logic; after an accident, the user can call this through the client The smart contract reports the accident data related to this accident to the blockchain for storage.

Specifically, after the user performs a confirmation operation on the client's vehicle identity information and vehicle insurance details data of the other users involved in the accident, the client can respond to the confirmation operation and construct a first report for initiating the accident report. A transaction; where the first transaction may specifically be a transaction for invoking a smart contract, and the transaction may specifically include the above-mentioned accident data related to the scene of the accident.

Then, the client can publish the first transaction to the blockchain. After receiving the first transaction, the node device in the blockchain can respond to the first transaction, call the verification logic in the smart contract, and perform a legality verification for the accident data. Among them, the specific verification process of the legality verification is not particularly limited in this specification; for example, in an example, the accident data may carry a digital signature, and the legality verification of the accident data may include The digital signature of the above accident data is verified; if the digital signature verification passes, it can be determined that the accident data is legal data.

If the legality of the above accident data is verified, the event generation logic in the above smart contract can be further called to generate the accident event corresponding to the above accident data, and the above accident event and the above accident data can be associated and stored in the above blockchain. Distributed ledger.

Among them, it should be noted that the above accident event may specifically be a new object created on the blockchain by calling a smart contract; in one example, the above accident event may specifically be a new account created by calling a smart contract Object. For example, in implementation, the account types supported by the blockchain can be further expanded, and based on external accounts and contract accounts, an account type corresponding to an accident event can be expanded. In this case, the above accident event and the above accident data can be specifically associated and stored in the Storage tree corresponding to the above smart contract; for example, the above accident event can be used as a key (which can be a string of account addresses), and the above accident data can be As the Value corresponding to the key, it is stored in the Storage tree in the form of a Key-Value pair.

After the user publishes the accident data related to the accident to the blockchain for storage through the client, the client can monitor the accident events generated by the smart contract on the blockchain; for example, a listener can be developed to monitor the storage tree of the smart contract The newly created account object corresponding to the accident event;

When the accident event generated by the smart contract on the blockchain is monitored, it can respond to the accident event and output prompt information corresponding to the accident event to the accident participant user to prompt the accident participant user to respond to the accident event. Initiation of claims processing in the event of an accident. For example, in implementation, the prompt message may be a prompt message of "You have successfully reported an accident event, do you want to initiate a claim?" The user of the accident participant can decide whether to initiate claims processing for the accident event under the prompt of the prompt message.

When the user of the accident participant decides to make a claim for the accident event under the prompt message, the client can initiate a claim processing for the accident event to the claims agency through the client; and the client can respond to the accident participant user Initiated an accident claim settlement operation for the accident event to initiate a claim settlement process. For example, in one way, the client can respond to the above-mentioned accident claim settlement operation by sending a claim settlement request to the service end of the claims settlement agency to initiate a claim settlement; it may also deploy a claim issued by the claims settlement agency on the blockchain for accident settlement operations. In the case of a smart contract for claim settlement, a transaction that calls the smart contract is sent to the node device of the blockchain to initiate a claim settlement.

In this manual, after the accident-related accident participant users respectively publish the obtained accident data to the blockchain for storage through the client, the claims settlement agency can use the latest accident data released on the blockchain to provide Carry out claims processing for the users of the accident participants.

Among them, the claims processing performed by the claims agency on the users of the accident participants can be initiated by the claims agency through the service equipment monitoring the latest accident data released on the blockchain, or by the user through the client. This specification is not particularly limited.

In the illustrated embodiment, as mentioned above, a smart contract for accident management can be pre-deployed on the above-mentioned blockchain, and the user can trigger the generation of an accident on the blockchain by invoking the smart contract. Event, and store the generated accident event and the above-mentioned accident data in the distributed ledger of the blockchain.

In this case, the service equipment of the claims settlement agency can monitor the accident event generated by the above-mentioned smart contract on the blockchain. For example, a listener can be developed to monitor the newly created account object corresponding to the accident event in the Storage tree of the smart contract.

After monitoring the accident event generated by the smart contract on the blockchain, in response to the accident event, prompt information corresponding to the accident event can be sent to the claims settlement agency to prompt the claims settlement agency to handle the accident event. For example, in implementation, the prompt message may be a prompt message of "receiving an accident reported by the XX user, whether to initiate a claim?" The claims agency can decide whether to initiate claims processing for the accident participant users of the accident event under the prompt of the prompt message.

When prompted by the above prompt message, the claims settlement agency decides to settle a claim for a certain accident participant in this accident, it can obtain the first accident data stored in the blockchain and released by the user of the accident participant. For example, the above prompt message may carry the key of the accident event, and the claims settlement agency may query the accident data corresponding to the accident event in the Storage tree of the smart contract based on the key.

After the first accident data released by the accident participant user is obtained, the other accident participant users of the accident can be determined based on the data content of the first accident data; for example, it can be based on other accident data carried in the accident data. The user identity information in the vehicle identity information of the accident participant is used to clarify the identities of the users of other accident participants. Then, the second accident data released by the other accident participant user stored in the blockchain can be obtained.

Further, after obtaining the accident data released by the accident participant user stored in the blockchain, it is possible to continue to verify whether the above-mentioned first accident data and the above-mentioned second accident data match. For example, it is possible to verify whether the accident participant users included in the first accident data and the second accident data respectively match, verify that the accident occurred in the forensic data included in the first accident data and the second accident data respectively. The time, the location of the accident, whether the image data related to the accident site matches, etc.

When it is verified that the data of the first accident and the data of the second accident are completely matched, it can be proved that the accident is a real accident, and the user of the accident participant can be further processed for car accident claims.

Among them, the specific steps of the user involved in the accident to deal with the car accident claims will not be described in detail in this manual. For example, if the above client is an APP called "Driver Wallet" that provides services to drivers, the claims agency can make payment to the "wallet account" of the user of the accident participant based on the amount of vehicle insurance of the user of the accident participant. The claims transfer process can be done.

In the illustrated embodiment, after the claims settlement agency has completed the car accident claims processing on the accident participant user, it can also generate a car accident claims record corresponding to the accident participant user, and then publish the car accident claim record to the district. The block chain deposits the certificate to form the user's car accident claim record on the block chain, so that all claims settlement agencies connected to the blockchain can obtain the user's car accident claim record and customize the claim settlement strategy for the user.

In the illustrated embodiment, the claims agency may also develop the claims processing logic of the accident participant user into a smart contract for accident claims, and then deploy the smart contract on the blockchain.

Among them, the code execution logic corresponding to the contract code declared in the smart contract for accident claims corresponds to the above-described process of claims settlement by the claims settlement agency, and may include accident data for all accident participants. Verification logic for verification and accident claims logic; after an accident, the user can call the smart contract through the client to complete the claims processing autonomously without the intervention of the claims agency.

In this case, the client can respond to the accident claim operation initiated by the user of the accident participant for the accident event, construct a second transaction for initiating the accident claim, and publish the second transaction to the district Block chain. For example, in implementation, the user can be provided with an operation portal (such as a button) for initiating accident claims in the interface of the client, so that the user can quickly initiate accident claims by triggering the operation portal; and the client can respond to the user The trigger operation of the operation entry triggers the construction of the above-mentioned second transaction, and publishes the second transaction to the blockchain.

After receiving the second transaction, the node device in the blockchain can respond to the second transaction and obtain the first accident data released by the user of the accident participant stored in the blockchain, based on the first accident data Determine other accident participant users, obtain the second accident data stored in the blockchain and released by the other accident participant users, and then verify whether the first accident data matches the second accident data; when When the two match, the car accident compensation logic in the above smart contract can be further invoked to perform car accident compensation processing for the accident participant user, and the specific process will not be repeated.

The above smart contract can store the results of the car accident claims processing in the distributed ledger of the blockchain after completing the car accident claims processing of the user involved in the accident; while for the claims agency, it can monitor the execution of the above smart contract As a result, to obtain the settlement result of the above-mentioned accident participant user.

For example, in implementation, the execution result of a smart contract is usually stored in the MPT receipt tree in the form of a transaction execution log (Log); or, it can also be stored in the storage tree of the smart contract in the form of a Key-Value pair. Therefore, the claim settlement agency can obtain the claim settlement results of the users of the aforementioned accident participants by monitoring the MPT receipt tree or the storage tree of the smart contract.

In this description, for the above accident events generated by the above smart contract, a corresponding state machine can also be maintained by the smart contract to indicate its state. For example, in implementation, for the above accident event generated by the above smart contract, in the initial state, the smart contract can mark it as an unclaimed state; when the user calls the smart contract through the client, the claim for the accident event is completed After processing, it can be updated to the status of the claim. In this case, both the user’s client and the claims agency’s server can learn about the latest status of the accident in time through monitoring, and can then report to the user or the claims agency based on the latest status of the accident. Staff, send the corresponding status prompt message.

In the above technical solutions, on the one hand, because users can access the data stored in the blockchain through the client, they can quickly exchange their vehicle insurance details with other accident participants, and check the vehicle identity of other accident participants. The data and vehicle insurance details data are mutually verified and confirmed, and after the vehicle identity data and vehicle insurance details data of other accident participants are confirmed, the vehicle identity information of all accident participants can be combined with the accident scene through the client. Relevant forensic data is used as accident data for traffic accident claims to be independently reported to the blockchain for storage, and the traffic management department staff is no longer required to deal with the accident. Therefore, it can reduce the workload of the traffic management department and increase the accident. The processing efficiency of reported claims.

Corresponding to the foregoing method embodiment, this application also provides an embodiment of the device.

Corresponding to the above method embodiments, this specification also provides an embodiment of a traffic accident handling device based on blockchain.

The embodiments of the block chain-based traffic accident handling device in this specification can be applied to electronic equipment. The device embodiments can be implemented by software, or can be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions in the non-volatile memory into the memory through the processor of the electronic device where it is located.

From a hardware perspective, as shown in Figure 5, a hardware structure diagram of the electronic equipment where the block chain-based traffic accident handling device of this specification is located, except for the processor, memory, network interface, and In addition to the non-volatile memory, the electronic device in which the device is located in the embodiment may also include other hardware according to the actual function of the electronic device, which will not be repeated here.

Fig. 6 is a block diagram of a block chain-based traffic accident processing device shown in an exemplary embodiment of this specification.

Please refer to FIG. 6, the block chain-based traffic accident handling device 60 can be applied to the electronic device shown in the aforementioned FIG. 5, wherein the block chain stores the correspondence between vehicle identity information and vehicle insurance details data; The device 60 includes:

The first obtaining module 601, in response to the operation of the accident participant user, obtains the vehicle identity information of other accident participant users related to the accident, and queries the vehicle insured corresponding to the vehicle identity information stored in the blockchain Detailed data;

The output module 602 outputs and displays the vehicle identity information and the vehicle insurance details data to the users of the accident participants through the interface;

The certification module 603, in response to the confirmation operation of the vehicle identity information and the vehicle insurance details data by the user of the accident participant, publishes the acquired accident data to the blockchain for certification; where The accident data is used for traffic accident compensation; the accident data includes the vehicle identity information of the accident participant users related to the accident and the corresponding relationship of the forensic data related to the accident scene.

In this specification, the first acquisition module 601: in response to the image scanning operation of the user of the accident participant, the graphic code generated based on the vehicle identity information output on the client side of other accident participant users related to the accident Perform coding recognition to obtain vehicle identity information of other users involved in the accident.

In this specification, the graphic code includes a two-dimensional code.

In this specification, a smart contract for accident management is deployed in the blockchain. The certificate storage module 603: in response to the confirmation operation of the vehicle identity information and the vehicle insurance details data by the user of the accident participant, construct a first transaction for initiating an accident report; wherein, the first transaction Including the accident data related to the accident site; publishing the first transaction to the blockchain, so that the node device in the blockchain can call the smart contract in response to the first transaction The verification logic for the accident data is verified for the validity of the accident data; if the validity verification for the accident data is passed, the event generation logic in the smart contract is further invoked to generate the accident event corresponding to the accident data , And store the accident event and the accident data in the distributed ledger of the blockchain in association with each other.

In this specification, it further includes: a first monitoring module 604 (not shown in FIG. 6), which monitors the accident event generated by the smart contract; in response to the monitored accident event, output to the accident participant user The prompt information corresponding to the accident event is used to prompt the accident participant user to initiate a claim settlement process for the accident event.

In this specification, a smart contract for accident claims is deployed in the blockchain. The device 60 also includes: a first claim settlement module 605 (not shown in FIG. 6), which constructs a second transaction for initiating an accident claim in response to an accident settlement operation initiated by an accident participant user for the accident event; Publish the second transaction to the blockchain, so that the node device in the blockchain can respond to the second transaction by calling the verification logic in the smart contract to obtain The stored first accident data issued by the accident participant user and the second accident data issued by the other accident participant users in the first accident data, and verify that the first accident data and the first accident data 2. Whether the accident data matches; if so, further call the car accident compensation logic in the smart contract to perform car accident compensation processing on the user of the accident participant.

Fig. 7 is a block diagram of a block chain-based traffic accident handling device shown in an exemplary embodiment of the present specification.

Please refer to Fig. 7, the block chain-based traffic accident handling device 70 can be applied to the electronic device shown in Fig. 5, where the block chain stores accident data released by the accident participant user; The accident data includes the corresponding relationship between the vehicle identity information of the accident participant user related to the accident and the forensic data related to the accident scene; the device 70 includes:

The second acquisition module 701, in response to an accident claim for an accident participant user, obtains the first accident data released by the accident participant user stored in the blockchain; and determines other accidents based on the first accident data Participant users, and obtain the second accident data stored in the blockchain and released by the other accident participant users;

The verification module 702 verifies whether the first accident data matches the second accident data;

The second claim settlement module 703, if yes, performs a car accident claim settlement process on the user of the accident participant.

In this specification, the service device is a node device in the blockchain; a smart contract for accident management is deployed in the blockchain. The device 70 further includes: a generating module 704 (not shown in FIG. 7), which receives a first transaction sent by the client for initiating an accident report; the first transaction includes the accident data related to the accident scene; In response to the first transaction, call the verification logic in the smart contract to verify the validity of the accident data; if the validity verification of the accident data passes, further call the verification logic in the smart contract The event generation logic creates an accident event corresponding to the accident data, and stores the accident object and the accident data in the distributed ledger of the blockchain in association with each other.

In this specification, the device 70 further includes: a second monitoring module 705 (not shown in FIG. 7), which monitors the accident event generated by the smart contract; in response to the monitored accident event, sends to the claims settlement agency The prompt information corresponding to the accident event is used to prompt the claims settlement agency to handle the claims for the accident event.

In this specification, a smart contract for accident claims is deployed in the blockchain. The verification module 702: receives a second transaction for initiating accident claims sent by the user of the accident participant through the client; in response to the second transaction, invokes the verification logic in the smart contract to obtain the zone The first accident data released by the accident participant user stored in the block chain, other accident participant users are determined based on the first accident data, and the other accident participant users stored in the block chain are obtained The second accident data released by the user verifies whether the first accident data matches the second accident data. The second claim settlement module 703: if yes, further call the auto accident claim settlement logic in the smart contract to perform auto accident claim settlement processing on the accident participant user.

In this specification, the second claim settlement module 703 further: after completing the auto accident claim settlement process for the accident participant user, publish the auto accident claim settlement record for the accident participant user to the blockchain for storage. certificate.

The systems, devices, modules, or units illustrated in the above embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. The specific form of the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email receiving and sending device, and a game control A console, a tablet computer, a wearable device, or a combination of any of these devices.

In a typical configuration, the computer includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.

The memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, disk storage, quantum memory, graphene-based storage media or other magnetic storage devices, or any other non-transmission media, can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims can be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The terms used in one or more embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of this specification. The singular forms "a", "said" and "the" used in one or more embodiments of this specification and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and/or" as used herein refers to and includes any or all possible combinations of one or more associated listed items.

It should be understood that although the terms first, second, third, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of one or more embodiments of this specification, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information. Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to determination".

The above descriptions are only preferred embodiments of one or more embodiments of this specification, and are not intended to limit one or more embodiments of this specification. All within the spirit and principle of one or more embodiments of this specification, Any modification, equivalent replacement, improvement, etc. made should be included in the protection scope of one or more embodiments of this specification.

Claims

A method for handling traffic accidents based on a blockchain, applied to a client terminal; wherein the blockchain stores the correspondence between vehicle identity information and vehicle insurance details; the method includes:

In response to the operation of the accident participant user, obtain the vehicle identity information of other accident participant users related to the accident, and query the vehicle insurance detail data corresponding to the vehicle identity information stored in the blockchain;

Output and display the vehicle identity information and the vehicle insurance details data to the users of the accident participants through the interface;

In response to the confirmation operation of the vehicle identity information and the vehicle insurance details data by the user of the accident participant, the acquired accident data is published to the blockchain for storage; wherein, the accident data is used for Traffic accident compensation; the accident data includes the vehicle identity information of the accident participant user related to the accident and the corresponding relationship of the forensic data related to the accident scene.
The method according to claim 1, wherein in response to an operation of an accident participant user, obtaining vehicle identity information of other accident participant users related to the accident includes:

In response to the image scanning operation of the user of the accident participant, code recognition is performed on the graphic code generated based on the vehicle identity information output on the client of the user of the other accident participant related to the accident, so as to obtain the vehicle of the user of the other accident participant Identity Information.
The method of claim 1, wherein the graphic code includes a two-dimensional code.
The method according to claim 1, wherein a smart contract for accident management is deployed in the blockchain;

The responding to the operation of confirming the vehicle identity information and the vehicle insurance detail data by the user of the accident participant, publishing the acquired accident data to the blockchain for storage, includes:

In response to the confirmation operation of the user of the accident participant on the vehicle identity information and the vehicle insurance details data, a first transaction for initiating an accident report is constructed; wherein, the first transaction includes the accident site-related Accident data;

Publish the first transaction to the block chain, so that the node device in the block chain responds to the first transaction and invokes the verification logic in the smart contract to perform processing on the accident data Legality check;

If the validity of the accident data is verified, the event generation logic in the smart contract is further called to generate an accident event corresponding to the accident data, and the accident event and the accident data are stored in association with each other. Describe the distributed ledger of the blockchain.
The method according to claim 4, further comprising:

Monitor the accident event generated by the smart contract;

In response to the monitored accident event, prompting information corresponding to the accident event is output to the accident participant user to prompt the accident participant user to initiate a claim settlement process for the accident event.
According to the method of claim 4, a smart contract for accident claims is deployed in the blockchain;

The method also includes:

In response to an accident claim settlement operation for the accident event initiated by an accident participant user, construct a second transaction for initiating an accident claim settlement;

Publish the second transaction to the blockchain, so that the node device in the blockchain can respond to the second transaction by calling the verification logic in the smart contract to obtain The stored first accident data issued by the accident participant user and the second accident data issued by the other accident participant users in the first accident data, and verify that the first accident data and the first accident data 2. Whether the accident data matches;

If so, further call the car accident compensation logic in the smart contract to perform car accident compensation processing on the accident participant user.
The method according to claim 1, wherein the forensic data related to the accident scene includes one or a combination of one or more of the following:

The time of the accident, the location of the accident, and the image data related to the accident scene.
A block chain-based method for handling traffic accidents is applied to service equipment; wherein, the block chain stores accident data released by users of the accident participants; the accident data includes accident-related users of the accident Correspondence between vehicle identity information and forensic data related to the scene of the accident; the method includes:

In response to the settlement of the accident claim for the user of the accident participant, obtaining the first accident data stored in the blockchain and released by the user of the accident participant;

Determine other accident participant users based on the first accident data, and obtain second accident data released by the other accident participant users stored in the blockchain;

It is verified whether the first accident data matches the second accident data; if so, the vehicle accident compensation processing is performed on the user of the accident participant.
The method according to claim 1, wherein the service device is a node device in the blockchain; a smart contract for accident management is deployed in the blockchain;

The method also includes:

Receiving a first transaction sent by the client for initiating an accident report; the first transaction includes the accident data related to the accident scene;

In response to the first transaction, call the verification logic in the smart contract to perform a legality verification on the accident data;

If the validity of the accident data is verified, the event generation logic in the smart contract is further invoked, the accident event corresponding to the accident data is created, and the accident object and the accident data are stored in association with each other. Describe the distributed ledger of the blockchain.
The method according to claim 9, further comprising:

Monitor the accident event generated by the smart contract;

In response to the monitored accident event, prompting information corresponding to the accident event is sent to the claims settlement agency to prompt the claims settlement agency to perform claims processing on the accident event.
According to the method of claim 8, a smart contract for accident claims is deployed in the blockchain;

In response to the settlement of an accident claim for an accident participant user, acquiring first accident data stored in the blockchain and released by the accident participant user, and determining other accident participant users based on the first accident data, And obtaining the second accident data released by the other accident participant users stored in the blockchain, and verifying whether the first accident data matches the second accident data, including:

Receiving a second transaction for initiating accident claims sent by the user of the accident participant through the client terminal;

In response to the second transaction, call the verification logic in the smart contract to obtain the first accident data released by the accident participant user stored in the blockchain, and determine other accident data based on the first accident data An accident participant user, and obtain the second accident data stored in the blockchain and released by the other accident participant user, and verify whether the first accident data matches the second accident data;

The said if yes, the car accident compensation processing for the user of the said accident participant includes:

If it is, the car accident compensation logic in the smart contract is further invoked, and the car accident compensation processing is performed on the user of the accident participant.
The method according to claim 11, further comprising:

After the auto accident claim settlement process for the accident participant user is completed, the auto accident claim settlement record for the accident participant user is published to the blockchain for storage.
A block chain-based traffic accident processing device applied to a client terminal; wherein the block chain stores the corresponding relationship between vehicle identity information and vehicle insurance detail data; the device includes:

The first obtaining module, in response to the operation of the accident participant user, obtains the vehicle identity information of other accident participant users related to the accident, and queries the vehicle insurance details corresponding to the vehicle identity information stored in the blockchain data;

The output module outputs and displays the vehicle identity information and the vehicle insurance details data to the users of the accident participants through the interface;

The certification module, in response to the confirmation operation of the vehicle identity information and the vehicle insurance details data by the user of the accident participant, publishes the acquired accident data to the blockchain for certification; wherein, the The accident data is used for traffic accident compensation; the accident data includes the vehicle identity information of the accident participant users related to the accident and the corresponding relationship of the forensic data related to the accident scene.
The device according to claim 13, the first obtaining module:

In response to the image scanning operation of the user of the accident participant, code recognition is performed on the graphics code generated based on the vehicle identity information output on the client of the user of the other accident participant related to the accident, so as to obtain the vehicle of the user of the other accident participant Identity Information.
The apparatus according to claim 13, wherein the graphic code includes a two-dimensional code.
The device according to claim 13, wherein a smart contract for accident management is deployed in the blockchain;

The deposit module:

In response to the confirmation operation of the user of the accident participant on the vehicle identity information and the vehicle insurance details data, a first transaction for initiating an accident report is constructed; wherein, the first transaction includes the accident site-related Accident data;

Publish the first transaction to the block chain, so that the node device in the block chain responds to the first transaction and invokes the verification logic in the smart contract to perform processing on the accident data Legality check;

If the validity of the accident data is verified, the event generation logic in the smart contract is further called to generate an accident event corresponding to the accident data, and the accident event and the accident data are stored in association with each other. Describe the distributed ledger of the blockchain.
The apparatus according to claim 16, further comprising:

The first monitoring module monitors the accident event generated by the smart contract; in response to the monitored accident event, output prompt information corresponding to the accident event to the accident participant user to prompt the accident participant The user initiates claims processing for the accident event.
The device according to claim 16, wherein a smart contract for accident claims is deployed in the blockchain;

The device also includes:

The first claim settlement module, in response to the accident settlement operation initiated by the accident participant user for the accident event, constructs a second transaction for initiating the accident settlement; publishes the second transaction to the blockchain, so that In response to the second transaction, the node device in the blockchain calls the verification logic in the smart contract to obtain the first accident data stored in the blockchain and released by the accident participant user, And the second accident data issued by other accident participant users in the first accident data, and verify whether the first accident data matches the second accident data; if so, further call the smart contract The car accident claim settlement logic of the said accident participant user is processed for the car accident claim settlement process.
A block chain-based traffic accident processing device, applied to service equipment; wherein the block chain stores accident data released by users of the accident participants; the accident data includes accident-related users of the accident Correspondence between vehicle identity information and forensic data related to the scene of the accident; the device includes:

The second acquisition module, in response to accident claims for the accident participant user, obtains the first accident data released by the accident participant user stored in the blockchain; and determines other accident participation based on the first accident data Party users, and obtain the second accident data stored in the blockchain and released by the other accident participant users;

A verification module to verify whether the first accident data matches the second accident data;

The second claim settlement module, if yes, performs a car accident claim settlement process on the user of the accident participant.
The apparatus according to claim 19, wherein the service device is a node device in the blockchain; a smart contract for accident management is deployed in the blockchain;

The device also includes:

The generation module receives the first transaction sent by the client for initiating an accident report; the first transaction includes the accident data related to the accident scene; in response to the first transaction, calls the school in the smart contract Verification logic to verify the legitimacy of the accident data; if the legitimacy verification of the accident data passes, the event generation logic in the smart contract is further invoked to create an accident event corresponding to the accident data, and The accident object and the accident data are associated and stored in the distributed ledger of the blockchain.
The device according to claim 20, further comprising:

The second monitoring module monitors the accident event generated by the smart contract; in response to the monitored accident event, sends prompt information corresponding to the accident event to the claims settlement agency to prompt the claims settlement agency to settle the accident event deal with.
The device according to claim 19, wherein a smart contract for accident claims is deployed in the blockchain;

The verification module:

Receiving a second transaction for initiating accident claims sent by the user of the accident participant through the client terminal;

In response to the second transaction, call the verification logic in the smart contract to obtain the first accident data released by the accident participant user stored in the blockchain, and determine other accident data based on the first accident data An accident participant user, and obtain the second accident data stored in the blockchain and released by the other accident participant users, and verify whether the first accident data matches the second accident data;

The second claim settlement module:

If it is, the car accident compensation logic in the smart contract is further invoked, and the car accident compensation processing is performed on the user of the accident participant.
According to the device of claim 22, the second claims settlement module further:

After the auto accident claim settlement process for the accident participant user is completed, the auto accident claim settlement record for the accident participant user is published to the blockchain for storage.
An electronic device including:

processor;

A memory for storing processor executable instructions;

Wherein, the processor executes the executable instruction to implement the method according to any one of claims 1-7 or 8-12.
A computer-readable storage medium having computer instructions stored thereon, which, when executed by a processor, implements the steps of the method according to any one of claims 1-7 or 8-12.