CN108446991A - Car accident processing method and system based on block chain - Google Patents
Car accident processing method and system based on block chain Download PDFInfo
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- CN108446991A CN108446991A CN201810283454.2A CN201810283454A CN108446991A CN 108446991 A CN108446991 A CN 108446991A CN 201810283454 A CN201810283454 A CN 201810283454A CN 108446991 A CN108446991 A CN 108446991A
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- Prior art keywords
- maintenance
- vehicle
- accident
- car owner
- block chain
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The present invention discloses a kind of car accident processing method and system based on block chain, and this method includes：When accident occurs for vehicle, the accident data of vehicle is sent to server high in the clouds by car owner by intelligent terminal, and there are on block chain for HASH the or MD5 values of accident data；Server high in the clouds according to accident data obtain car damage identification quotation, by setting loss quotation be pre-stored in signing agreement in service price compared with pair, the HASH of signed instrument is stored on block chain；If setting loss quotation issues the maintenance factory being pre-selected without departing from service price, by accident data, setting loss quotation；Maintenance factory is sent to maintenance fund management side and server high in the clouds block chain after repair message is carried out HASH processing；Maintenance fund management root pays maintenance cost according to repair message to maintenance factory.The present invention solves the problems, such as report whether is selected to insure when accident occurs for vehicle, reduces insurance vehicle and car owner when accident, the loss of insurance company and maintenance factory and destabilizing factor occurs.
Description
Technical field
The present invention relates to car accident processing technology field more particularly to a kind of car accident processing sides based on block chain
Method and system.
Background technology
Block chain (Blockchain) is the meters such as Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm
The new application pattern of calculation machine technology.Its basic conception includes transaction, block and chain.If using block chain as a state
Machine, then transaction is just attempt to change a next state every time, and the block for generation of knowing together every time is exactly participant for institute in block
There is the result that transaction content causes state to change to be confirmed.
HASH：It generally is translated as " hashing ", is exactly the input random length, by hashing algorithm, be transformed into fixed length
The output of degree, the output are exactly hashed value.It is just like next fundamental characteristics：If two hashed values are different,
Being originally inputted for the two hashed values is also different.This characteristic is the deterministic result of hash function.
Under existing vehicle insurance system, car owner can buy some type of again outside the compulsory insurance for traffic accident of motor-drivenvehicle that purchase state compulsion requires
Business risk, such as vehicle damage danger.Accident occurs driving insurance vehicle, when causing insurance damaged vehicle, insurance company can be reasonable
It gives compensation in range.If car owner have occurred it is small cut to pieces it is small the accidents such as rub when selection report insurance processing if, can increase time
Annual premium is used or original discount is cancelled；If car owner's selection does not report insurance, corresponding maintenance cost to need oneself to handle.
Vehicle car owner face it is small cut to pieces it is small the accidents such as rub when can be absorbed in unserviceable area, report insurance can increase next year insurance premium
Or original discount is cancelled, therefore car owner's business risk purchase intention is caused to substantially reduce, the guaranteeing role of insurance is not understood.And
And car owner can not often form mutual trust during vehicle maintenance between car owner, insurance company, maintenance factory, in report danger reason
It takes a lot of time and is checked in the flows such as compensation, vehicle maintenance.If things go on like this, to providing the insurance company of vehicle insurance, providing dimension
It all will be great loss and destabilizing factor to repair the maintenance factory of service and vehicle car owner.
Invention content
It is a primary object of the present invention to propose a kind of car accident processing method and system based on block chain, it is intended to drop
Car owner when accident, the loss of insurance company and maintenance factory and destabilizing factor occur for minimum living danger vehicle.
To achieve the above object, the present invention provides a kind of car accident processing method based on block chain, the method packet
Include following steps：
When accident occurs for vehicle, the accident data of the vehicle is sent to server high in the clouds by car owner by intelligent terminal
Block chain；
The setting loss that the server high in the clouds obtains the vehicle according to the accident data is offered；
The server high in the clouds offers the setting loss compared with the service price being stored in advance on the block chain pair,
Judge whether the setting loss quotation exceeds the service price range；
If the accident data, setting loss quotation are sent to pre- by the setting loss quotation without departing from the service price
The maintenance factory first selected；
The maintenance factory carries out order after the assessment according to the accident data, setting loss quotation progress vehicle condition and maintenance price
Operation, and it is sent to the maintenance fund management side and server high in the clouds block after repair message is carried out HASH processing
Chain, wherein the repair message includes at least practical maintenance cost；
The maintenance fund management root pays maintenance cost according to the repair message to the maintenance factory, and sets advance
It is to cancel to be supplied to the electronic maintenance certificate state of the car owner.
The further technical solution of the present invention is, when the accident data is included in vehicle accident occurs, the car owner
The vehicle photo and/or video of shooting and the photo and/or video of damaged vehicle part.
The further technical solution of the present invention is to judge the step of whether the setting loss quotation is beyond the service price
Further include later：
If the setting loss quotation exceeds the service price, is sent to the intelligent terminal and suggest that the car owner walks commonly
The information of settlement of insurance claim flow.
The further technical solution of the present invention is that the repair message further includes that the maintenance factory adopts in maintenance process
The parts and material arrived involved in the defined photo and/or video, maintenance process of collection, the photo and/or video include
The photo and/or video of damaged vehicle part at the beginning and end of repair.
The further technical solution of the present invention is that the maintenance fund management root gives the dimension according to the repair message
Repairing the step of factory pays maintenance cost includes：
After the maintenance factory receives the repair message, business confirmation and financial accounting are carried out；
If business confirms and financial accounting passes through, maintenance cost is paid to the maintenance factory according to the repair message.
The further technical solution of the present invention is, described when accident occurs for vehicle, and car owner is by intelligent terminal by institute
Include before stating the step of the accident data of vehicle is sent to server high in the clouds：
The car owner signs maintenance agreement with the maintenance fund management side.
The further technical solution of the present invention is the car owner and maintenance fund management side signature maintenance agreement
Step includes：
The car owner passes through after the identity information of the relevant information of the vehicle and the car owner are carried out HASH processing
The intelligent terminal submits to the maintenance fund management side and the server high in the clouds, and the server high in the clouds is by the vehicle
Relevant information and the identity information of the car owner be stored in the server high in the clouds block chain, wherein the vehicle
Relevant information includes the number-plate number of the vehicle, Vehicle Identify Number, Motor Number, and the identity information of the car owner includes the car owner
Name, ID card No., telephone number；
The maintenance fund management root is according to the relevant information of the vehicle and the identity information generation pair of the car owner
The service price answered, and the service price is sent to the intelligent terminal；
The service price that the car owner receives according to the intelligent terminal pays corresponding to the maintenance fund management side
Service fee, with the maintenance fund management side sign maintenance agreement.
The present invention further technical solution be, the maintenance fund management root according to the relevant information of the vehicle with
And the car owner identity information generate corresponding service price the step of before include：The maintenance fund management root is according to institute
The relevant information for stating vehicle obtains the vehicle information of the vehicle, mileage travelled information, purchase year limit information；
The maintenance fund management root is according to the relevant information of the vehicle and the identity information generation pair of the car owner
The step of service price answered includes：
The maintenance fund management root according to the vehicle information of the vehicle, mileage travelled information, purchase year limit information with
And the identity information of the car owner generates corresponding service price.
The present invention further technical solution be, the maintenance fund management root according to the relevant information of the vehicle with
And the car owner identity information generate corresponding service price the step of before further include：
The server high in the clouds receives the photo and/or video before the vehicle generation accident that the car owner uploads, and
By before the vehicle generation accident photo or video be stored in the server high in the clouds block chain, wherein the photo and/
Or include the license plate number of the vehicle；
The server high in the clouds to before the vehicle generation accident photo and/or video be scanned, detect the vehicle
It whether there is damaged part before generation accident；
If in the presence of the damaged part being marked, and testing result is sent to the car owner；
The service price that the car owner receives according to the intelligent terminal pays corresponding to the maintenance fund management side
Service fee, with the maintenance fund management side sign maintenance agreement the step of before include：
The car owner differentiates the testing result；
If the car owner is without demur to the testing result, execute what the car owner received according to the intelligent terminal
Service price pays corresponding service fee to the maintenance fund management side, is assisted with maintenance fund management side signature maintenance
The step of view.
The further technical solution of the present invention is, the service price that the car owner receives according to the intelligent terminal to
The maintenance fund management side pay corresponding service fee, with the step of maintenance fund management side signature maintenance agreement it
After further include：
The maintenance fund management side generates electronic protocol and electronic maintenance certificate, and the electronic protocol and electronics are tieed up
It repaiies certificate and is sent to the intelligent terminal.
The present invention also proposes a kind of car accident processing system based on block chain, including：The intelligent terminal of car owner, service
Device high in the clouds, maintenance fund management side, and further include：Memory and processor, the memory are stored with car accident processing
The step of program, the car accident processing routine executes method as described above when being run by the processor.
The beneficial effects of the invention are as follows：The present invention is based on the car accident processing methods of block chain to pass through above-mentioned technical side
Case, when accident occurs for vehicle, the accident data of the vehicle is sent to server high in the clouds by car owner by intelligent terminal,
In, the corresponding HASH MD5 values of the accident data are stored on block chain；The server high in the clouds is provided according to the accident
Material obtains the setting loss quotation of the vehicle；The setting loss is offered and is stored in advance in the signing agreement in the server high in the clouds
In service price compared to pair, judge whether setting loss quotation exceeds the service price range, wherein the signed instrument
HASH be stored on block chain；If the setting loss quotation is without departing from the service price, by the accident data, setting loss
Quotation is sent to the maintenance factory being pre-selected；The maintenance factory carries out vehicle condition and repair according to the accident data, setting loss quotation
After the assessment of price carry out order operation, and will repair message carry out HASH processing after be sent to the maintenance fund management side with
And the server high in the clouds block chain, wherein the repair message includes at least practical maintenance cost；The maintenance fund management
Root pays maintenance cost according to the repair message to the maintenance factory, and sets the electronic maintenance for being previously provided to the car owner
Certificate state is to cancel, and as a result, on the basis of block chain technology, solves the difficulty for whether selecting report to insure when accident occurs for vehicle
Topic reduces insurance vehicle and car owner when accident, the loss of insurance company and maintenance factory and destabilizing factor occurs.
Description of the drawings
Fig. 1 is the flow diagram of the car accident processing method first embodiment the present invention is based on block chain；
Fig. 2 is the flow diagram of the second embodiment of the car accident processing method the present invention is based on block chain；
Fig. 3 is that the present invention is based on the refinement streams of step S00 in the second embodiment of the car accident processing method of block chain
Journey schematic diagram.
Fig. 4 is the topological diagram of tripartite participant according to the present invention；
Fig. 5 is that the present invention is based on the car accident processing method relevant informations of block chain to flow frame diagram；
Fig. 6 is that the present invention is based on vehicle car owner in the car accident processing method of block chain and maintenance fund management side line
Sign maintenance agreement flow chart；
Fig. 7 is the process flow that vehicle occurs after minor accident in the car accident processing method the present invention is based on block chain
Figure.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Primary solutions the present invention is based on the car accident processing method embodiment of block chain are：Thing occurs in vehicle
Therefore when, the accident data of the vehicle is sent to server high in the clouds by car owner by intelligent terminal, wherein the accident data pair
HASH the MD5 values answered are stored on block chain；The server high in the clouds obtains the vehicle according to the accident data
Setting loss is offered；The server high in the clouds by the setting loss offer be stored in advance in signing agreement in service price compared with pair,
Judge whether the setting loss quotation exceeds the service price range, wherein the HASH of the signed instrument is stored in block chain
On；If the accident data, setting loss quotation are sent to and are pre-selected without departing from the service price by the setting loss quotation
Maintenance factory；The maintenance factory is connect after the assessment according to the accident data, setting loss quotation progress vehicle condition and maintenance price
Single operation, and it is sent to the maintenance fund management side and server high in the clouds area after repair message is carried out HASH processing
Block chain, wherein the repair message includes at least practical maintenance cost；The maintenance fund management root is according to the repair message
Maintenance cost is paid to the maintenance factory, and sets the electronic maintenance certificate state for being previously provided to the car owner to cancel.
The present invention is based on the car accident processing methods of block chain on the basis of block chain technology as a result, solves vehicle
The problem for whether selecting report to insure when accident occurs reduces insurance vehicle and car owner, insurance company and repair when accident occurs
The loss of factory and destabilizing factor, and block chain technology makes the data of whole flow process that can not distort, and can trace, and can inquire, have
Effect solves credit problems, reduces overall cost.
Specifically, Fig. 1 is please referred to, Fig. 1 is the car accident processing method first embodiment the present invention is based on block chain
Flow diagram.
As shown in Figure 1, the car accident processing method first embodiment the present invention is based on block chain includes the following steps：
Step S10, when accident occurs for vehicle, the accident data of the vehicle is sent to clothes by car owner by intelligent terminal
It is engaged in device high in the clouds, wherein the corresponding HASH MD5 values of the accident data are stored on block chain.
It is understood that the intelligent terminal is equipped with car accident processing APP or car accident processing little Cheng
Sequence or intelligent terminal concern have car accident to handle public platform.
Being equipped with car accident processing APP below with the intelligent terminal, the present invention is described in detail.
When the accident data is included in vehicle accident occurs, vehicle photo and/or video that the car owner takes, with
And the photo and/or video of the damaged vehicle part.Wherein, the number for the vehicle photo and/or video that the car owner takes
According to composition and damaged vehicle part photo and/or video data form in include shooting location information and
Temporal information.After the completion of shooting, car accident processing APP can by vehicle photo and/or video that the car owner takes,
And photo and/or the video progress of the damaged vehicle part are locally compressed, are then uploaded to the server high in the clouds.
Step S20, the setting loss that the server high in the clouds obtains the vehicle according to the accident data are offered.
Specifically, the server high in the clouds receives vehicle photo and/or video that the car owner takes and described
After the photo and/or video of damaged vehicle part, cloud program can be handled these photos and/or video thereon, artificial
Intervention is lower to complete long-range setting loss, provides the maintenance price of the vehicle (i.e. setting loss is offered).
The service price in signing agreement is offered and is stored in advance in the setting loss by step S30, the server high in the clouds
Compared to pair, judge whether the setting loss quotation exceeds the service price range, wherein the HASH of the signed instrument is stored in
On block chain.
Step S40, if setting loss quotation offers the accident data, setting loss without departing from the service price
It is sent to the maintenance factory being pre-selected.
It is understood that in the present embodiment, if setting loss quotation exceeds the service price, to the intelligence
Terminal sends the information for suggesting that the car owner walks general insurance Claims Resolution flow.
Step S50, after the maintenance factory carries out the assessment of vehicle condition and maintenance price according to the accident data, setting loss quotation
Order operation is carried out, and the maintenance fund management side and the server are sent to after repair message is carried out HASH processing
High in the clouds, wherein the repair message includes at least practical maintenance cost.
It is understood that in other embodiments, the repair message can also repaired including the maintenance factory
The parts and material arrived involved in the defined photo and/or video that are acquired in journey, maintenance process.Wherein, the photo and/
Or video includes the photo and/or video of damaged vehicle part at the beginning and end of repair.
Step S60, the maintenance fund management root pay maintenance cost according to the repair message to the maintenance factory, and
The electronic maintenance certificate state for being previously provided to the car owner is set to cancel.
It is understood that after the maintenance fund management side receives the repair message, it can be to the repair message
The confirmation of carry out business and financial accounting give the repair if business confirms and financial accounting passes through according to the repair message
Factory pays corresponding maintenance cost, and sets the electronic maintenance certificate state for being previously provided to the car owner to cancel.
It should be noted that in the present embodiment, the key message involved by above steps can all be stored in the area
On block chain.
The present embodiment is through the above technical solutions, when accident occurs for vehicle, and car owner is by intelligent terminal by the vehicle
Accident data be sent to server high in the clouds wherein, the corresponding HASH MD5 values of the accident data are stored on block chain；
The setting loss that the server high in the clouds obtains the vehicle according to the accident data is offered；The server high in the clouds is by the setting loss
It offers with the service price being stored in advance in signing agreement compared to pair, judges setting loss quotation whether beyond the service valence
Lattice range, wherein the HASH of the signed instrument is stored on block chain；If the setting loss quotation is without departing from the service valence
The accident data, setting loss quotation are then sent to the maintenance factory being pre-selected by lattice；The maintenance factory provides according to the accident
Material, setting loss quotation carry out carrying out order operation after the assessment of vehicle condition and maintenance price, and will be after repair message carries out HASH processing
It is sent to the maintenance fund management side and the server high in the clouds block chain, wherein the repair message includes at least real
Border maintenance cost；The maintenance fund management root pays maintenance cost according to the repair message to the maintenance factory, and sets
The electronic maintenance certificate state for being previously provided to the car owner is to cancel, and as a result, on the basis of block chain technology, solves vehicle
The problem for whether selecting report to insure when accident occurs reduces insurance vehicle and car owner, insurance company and maintenance factory when accident occurs
Loss and destabilizing factor, and block chain technology makes the data of whole flow process that can not distort, and can trace, and can inquire, effectively
Solve credit problems, reduce overall cost.
Fig. 2 is please referred to, Fig. 2 is that the flow of the second embodiment of the car accident processing method the present invention is based on block chain is shown
It is intended to.
Difference lies in vehicle thing occurs the present embodiment for above-mentioned steps S10 with above-mentioned first embodiment shown in FIG. 1
Therefore when, include before the step of accident data of the vehicle is sent to server high in the clouds by car owner by intelligent terminal：
Step S00, the car owner sign maintenance agreement with the maintenance fund management side.
Specifically, please referring to Fig. 3, Fig. 3 is the refinement flow diagram of step S00 in the present embodiment.
As shown in figure 3, step S00 is specifically wrapped in the car accident processing method based on block chain that the present embodiment is proposed
Include following steps：
Step S01, the car owner carry out the identity information of the relevant information of the vehicle and the car owner at HASH
The maintenance fund management side and the server high in the clouds, the server high in the clouds are submitted to by the intelligent terminal after reason
The identity information of the relevant information of the vehicle and the car owner is stored in the server high in the clouds block chain.
Wherein, the relevant information of the vehicle includes the number-plate number of the vehicle, Vehicle Identify Number, Motor Number, the vehicle
Main identity information includes name, ID card No., the telephone number of the car owner.Certainly, in other embodiments, the vehicle
Relevant information and the identity information of the car owner can also include the information such as more contents, such as body color, this hair
It is bright that this is not construed as limiting.
Step S02, the maintenance fund management root are believed according to the relevant information of the vehicle and the identity of the car owner
Breath generates corresponding service price, and the service price is sent to the intelligent terminal.
Specifically, as an implementation, may include before above-mentioned steps S02：The maintenance fund management root
The vehicle information, mileage travelled information, purchase year limit information of the vehicle are obtained according to the relevant information of the vehicle.
The maintenance fund management root is obtained according to the relevant information of the vehicle in the vehicle information of the vehicle, traveling
After journey information, purchase year limit information, according to the vehicle information of the vehicle, mileage travelled information, purchase year limit information and institute
The identity information for stating car owner generates corresponding service price.
When it is implemented, after the relevant information of vehicle and the identity information collection of car owner are complete, the maintenance fund pipe
Reason side can inquire the vehicle by the network interface of third party system by the license plate number of the vehicle, Vehicle Identify Number etc.
The information such as vehicle, mileage travelled, the purchase time limit, and corresponding service price is generated by information as above, it is then whole in the energy
The service price and corresponding service content are showed the car owner by end interface edge.
Step S03, the service price that the car owner receives according to the intelligent terminal is to the maintenance fund management side
It pays corresponding service fee, sign maintenance agreement with the maintenance fund management side.
After the intelligent terminal receives the service price, service that the car owner receives according to the intelligent terminal
Price pays corresponding service fee to the maintenance fund management side, signs maintenance agreement with the maintenance fund management side,
Complete signing.
It is understood that after completing signing, the maintenance fund management side can generate electronic protocol and electronic maintenance
Certificate, and the electronic protocol and electronic maintenance certificate are sent to the intelligent terminal.
Specifically, after the car owner completes signing and payment services expense, then electronic protocol is generated, the car owner is described
Car accident, which is handled, can see in APP or public platform and oneself obtain new electronic maintenance certificate.Meanwhile it being propped up on car owner's line
Fu Hou, corresponding fund will enter maintenance fund account, and related data makes change.Wherein, key involved during this
Information will be all stored on block chain.
In addition, as an implementation, in the present embodiment, above-mentioned steps S02, the maintenance fund management root is according to institute
Further include before the step of identity information of the relevant information and the car owner of stating vehicle generates corresponding service price：
Step S020, the server high in the clouds receive the photo before the vehicle generation accident that the car owner uploads and/
Or video, and by before the vehicle generation accident photo or video be stored in the server high in the clouds block chain, wherein institute
It states photo and/or includes the license plate number of the vehicle.
Step S021, the server high in the clouds to before the vehicle generation accident photo and/or video be scanned, examine
It whether there is damaged part before surveying the vehicle generation accident.
Step S022, and if it exists, then the damaged part is marked, and testing result is sent to the car owner.
Thus, it is possible to which the vehicle is avoided to sign maintenance with the maintenance fund management side in the case where having there is damage
Agreement, purchase service, to avoid causing damages to the maintenance fund management side.
Above-mentioned steps S03, the service price that the car owner receives according to the intelligent terminal is to the maintenance fund pipe
Include before the step of reason side pays corresponding service fee, signs maintenance agreement with the maintenance fund management side：
Step S030, the car owner differentiate the testing result.
If the car owner is without demur to the testing result, above-mentioned steps S02 is executed, the car owner is according to the intelligence
The service price that terminal receives pays corresponding service fee and the maintenance fund management to the maintenance fund management side
Side's signature maintenance agreement.
The present embodiment is through the above technical solutions, car owner signs maintenance agreement with the maintenance fund management side；In vehicle
When accident occurs, the accident data of the vehicle is sent to server high in the clouds block chain by car owner by intelligent terminal；The clothes
The setting loss that business device high in the clouds obtains the vehicle according to the accident data is offered；The server high in the clouds by the setting loss quotation with
The service price on the block chain is stored in advance in compared to pair, judges whether the setting loss quotation exceeds the service price model
It encloses；If the accident data, setting loss quotation are sent to and are pre-selected without departing from the service price by the setting loss quotation
Maintenance factory；The maintenance factory is connect after the assessment according to the accident data, setting loss quotation progress vehicle condition and maintenance price
Single operation, and it is sent to the maintenance fund management side and server high in the clouds area after repair message is carried out HASH processing
Block chain, wherein the repair message includes at least practical maintenance cost；The maintenance fund management root is according to the repair message
Maintenance cost is paid to the maintenance factory, and sets the electronic maintenance certificate state for being previously provided to the car owner to cancel, as a result,
On the basis of block chain technology, solves the problems, such as report whether is selected to insure when accident occurs for vehicle, reduce insurance vehicle
Car owner when accident, the loss of insurance company and maintenance factory and destabilizing factor occurs.
The car accident processing method the present invention is based on block chain is described in further detail below.
On the basis of the car accident processing method block chain technology of block chain, adequate solution vehicle
The problem for whether selecting report to insure when facing minor accident.The present invention relates to car owner, maintenance factory, maintenance fund management sides etc. three
Kind participant can also form more complicated interactive relation, it is necessary first to which solution is exactly more with on-line off-line equal various ways
Square trust problem.The present invention is after tight demonstration and design, and practice test, it was demonstrated that can efficiently solve very much mutually
Letter problem, and finally give the rational minor accident processing scheme of each participant one.
As shown in figure 4, Fig. 4 is the topological diagram of tripartite participant according to the present invention, needed here it is emphasized that originally
The problem of invention is faced is that minor accident occurs for the vehicle of car owner, and car owner does not need to selection and reports insurance, institute to insurance company
The ring in solution will not be become with insurance company.
The present invention is divided into two main flows, is that vehicle car owner signs maintenance association on line with maintenance fund management side respectively
View；And after minor accident occurs, damaged vehicle is left for maintenance factory and is repaired, and maintenance factory is again by repair message and ticket after the completion
Certificate information is transmitted to maintenance fund management side and is audited, and finally beats money.Key message formed in this whole process is all
It will be stored in high in the clouds, and be stored on each node of block chain after carrying out HASH processing.Vehicle car owner, each signing maintenance factory and maintenance
Fund management side can consult relative recording and information on block chain at any time.Relevant information flows frame diagram as shown in figure 5, Fig. 5
It is that the present invention is based on the car accident processing method relevant informations of block chain to flow frame diagram.
Above-mentioned two flow is told about separately below：
1, maintenance agreement flow is signed on vehicle car owner and maintenance fund management side line：
Fig. 6 is please referred to, Fig. 6 is that the present invention is based on vehicle car owners in the car accident processing method of block chain and maintenance fund
Maintenance agreement flow chart is signed on manager's line.
In this flow, car owner by certain mode (including APP, public platform, small routine etc.), starts to start on line
Buy service procedure.
First, car owner needs to submit vehicle-related information, including license plate number, Vehicle Identify Number, Motor Number etc., further includes certainly
Car owner oneself information, such as name, identification card number, telephone number etc..These information that car owner provides will all be stored in database
On block chain.
Then, the APP or small routine that car owner opens can prompt it to upload target vehicle (i.e. the corresponding vehicle of license plate number)
In real time, complete video (including license plate number).After car owner's uploaded videos, cloud program can be scanned video, if detected
Possible damaged part can then prompt staff to carry out hand inspection, and make special marked；It also will clearly inform vehicle simultaneously
This main problem, avoids vehicle from being serviced again to buy in the case where having there is damage.When later stage vehicle report damages application repair, far
Journey setting loss also can carry out check and inspection in conjunction with existing video information to damaged part.Video file as described above will be stored in
High in the clouds, relevant information (such as MD5 values etc. of file) can be stored on block chain.
After data collection is complete, maintenance fund management side backstage can pass through the network interface of third party system, pass through car plate
Number, Vehicle Identify Number etc. inquires the information such as its vehicle, mileage travelled, the purchase time limit, and generates this specific user by information as above
Service price, then at user interface end price and corresponding with service content displaying to car owner.If car owner is without demur to its,
Can then car owner be guided to enter signing and payment flow.After car owner smoothly completes signing and payment, then electronic protocol, Che Zhu are generated
It can see in APP or public platform and oneself obtain new electronic maintenance certificate.Meanwhile after being paid on user's line, corresponding fund will
Into maintenance fund account, related data makes change.Involved key message will all be stored in block chain during this
On.
2, the process flow after minor accident occurs for vehicle：
Refer to Fig. 7, Fig. 7 is after minor accident occurs for vehicle in the car accident processing method the present invention is based on block chain
Process chart.
After minor accident occurs for the signing vehicle for the car owner that contracts, car owner can start to start subsequent processing in the scene of the accident
Flow.
Car owner opens corresponding APP (or small routine), and it (need to include car plate that APP, which can guide car owner to shoot the video of vehicle,
Number), and be damaged local several high definition photos and (have position when shooting and time letter in the data of video and photo composition
Breath).After the completion of shooting, photo or video can be carried out locally compressed processing by APP, then be uploaded to server high in the clouds.
After server receives photo and video, after cloud program can be handled these files thereon, under manpower intervention
Long-range setting loss is completed, maintenance price is provided, if identified range in the service agreement that car owner signs beyond before, can build
View car owner walks common settlement of insurance claim flow, if meeting range, can accident data and setting loss quotation be issued intelligent recommendation
The selected cooperation maintenance factory of system.
Cooperation maintenance factory carries out order operation, APP can be by this flow progress after carrying out the assessment of vehicle condition and maintenance price
It is synchronized to car owner, accident vehicle then is left for corresponding to maintenance factory by car owner under guide.Maintenance factory confirm vehicle condition after, just start into
Row maintenance work.In maintenance process, maintenance factory can be acquired and be uploaded at the beginning and end of the photo needed for regulation, such as repair
The state of damage location, involved key components and parts and material etc. in maintenance process.These photo datas can be all stored in
Cloud server, as the important evidence for checking and writing off reconciliation later.After accident vehicle completes repair, car owner can show its electronic maintenance
Certificate, maintenance factory can submit electronic maintenance certificate and final real price to be given to maintenance fund management side.
After maintenance fund management side receives these information, business confirmation and financial accounting can be carried out, if without apparent
Problem can then carry out maintenance factory's account beating money, and set corresponding electronic maintenance certificate state to cancel.So far flow terminates.
Involved key message can be all stored on block chain in the above flow.
In conclusion the present invention is based on the car accident processing methods of block chain through the above technical solutions, car owner passes through
The accident data of the vehicle is sent to server high in the clouds by intelligent terminal, wherein the corresponding HASH of the accident data or
MD5 values are stored on block chain；The setting loss that the server high in the clouds obtains the vehicle according to the accident data is offered；It is described
Server high in the clouds by the setting loss offer be stored in advance in signing agreement in service price compared with pair, judge the setting loss report
Whether valence exceeds the service price range, wherein the HASH of the signed instrument is stored on block chain；If the setting loss report
The accident data, setting loss quotation are then sent to the maintenance factory being pre-selected by valence without departing from the service price；The dimension
Order operation is carried out after repairing assessment of the factory according to the accident data, setting loss quotation progress vehicle condition and maintenance price, and will repair
Information is sent to the maintenance fund management side and the server high in the clouds block chain after carrying out HASH processing, wherein described
Repair message includes at least practical maintenance cost；The maintenance fund management root gives maintenance factory's branch according to the repair message
Maintenance cost is paid, and sets the electronic maintenance certificate state for being previously provided to the car owner to cancel, as a result, in block chain technology
On the basis of, solve the problems, such as whether to select report to insure when accident occurs for vehicle, reduce insurance vehicle occur car owner when accident,
The loss of insurance company and maintenance factory and destabilizing factor, and block chain technology makes the data of whole flow process that can not distort, it can
Retrospect, can inquire, and effective solution credit problems reduce overall cost.In addition, the present invention also proposes that one kind being based on block
The car accident processing system of chain, including：The intelligent terminal of car owner, server high in the clouds, maintenance fund management side, and also wrap
It includes：Memory and processor, the memory are stored with car accident processing routine, and the car accident processing routine is described
The step of processor executes the method described in embodiment as above when running, details are not described herein.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of car accident processing method based on block chain, which is characterized in that the described method comprises the following steps：
When accident occurs for vehicle, the accident data of the vehicle is sent to server high in the clouds by the intelligent terminal of car owner, wherein
The corresponding HASH MD5 values of the accident data are stored on block chain；
The setting loss that the server high in the clouds obtains the vehicle according to the accident data is offered；
The server high in the clouds by the setting loss offer be stored in advance in signing agreement in service price compared with pair, judge institute
State whether setting loss quotation exceeds the service price range, wherein the HASH of the signed instrument is stored on block chain；
If setting loss quotation, without departing from the service price, the server high in the clouds is by the accident data, setting loss report
Valence is sent to the maintenance factory being pre-selected；
The maintenance factory carries out order behaviour after the assessment according to the accident data, setting loss quotation progress vehicle condition and maintenance price
Make, and maintenance fund management side and the server high in the clouds are sent to after repair message is carried out HASH processing, wherein is described
Repair message includes at least practical maintenance cost；
The maintenance fund management root pays maintenance cost according to the repair message to the maintenance factory, and sets and be provided previously
Electronic maintenance certificate state to car owner is to cancel.
2. the car accident processing method according to claim 1 based on block chain, which is characterized in that the accident data
When being included in vehicle accident occur, the vehicle photo and/or video and the photograph of damaged vehicle part of car owner's shooting
Piece and/or video；The repair message further includes the defined photo and/or regard that the maintenance factory acquires in maintenance process
Frequently the parts and material, arrived involved in maintenance process, the photo and/or video include repair at the beginning and end of vehicle by
Damage the photo and/or video of part.
3. the car accident processing method according to claim 1 based on block chain, which is characterized in that judge the setting loss
Further include after the step of whether quotation exceeds the service price：
If the setting loss quotation exceeds the service price, the server high in the clouds is sent to the intelligent terminal described in suggestion
Car owner walks the information of general insurance Claims Resolution flow.
4. the car accident processing method according to claim 1 based on block chain, which is characterized in that the maintenance fund
Manager according to the repair message to the maintenance factory pay maintenance cost the step of include：
After the maintenance factory receives the repair message, business confirmation and financial accounting are carried out；
If business confirms and financial accounting passes through, maintenance cost is paid to the maintenance factory according to the repair message.
5. the car accident processing method based on block chain according to any one of claims 1-4, which is characterized in that institute
It states when accident occurs for vehicle, is wrapped before the step of accident data of the vehicle is sent to server high in the clouds by intelligent terminal
It includes：
Maintenance agreement is signed with the car owner in the maintenance fund management side.
6. the car accident processing method according to claim 5 based on block chain, which is characterized in that the maintenance fund
Manager and the car owner sign the step of maintenance agreement and include：
The intelligent terminal is submitted after the identity information of the relevant information of the vehicle and the car owner are carried out HASH processing
To the maintenance fund management side and the server high in the clouds, the server high in the clouds by the relevant information of the vehicle and
The identity information of the car owner is stored in the server high in the clouds block chain, wherein the relevant information of the vehicle includes described
The identity information of the number-plate number of vehicle, Vehicle Identify Number, Motor Number, the car owner includes the name of the car owner, identification card number
Code, telephone number；
The maintenance fund management root generates corresponding according to the relevant information of the vehicle and the identity information of the car owner
Service price, and the service price is sent to the intelligent terminal；
The intelligent terminal according to the service price received to the maintenance fund management side pay corresponding service fee, with
Sign maintenance agreement in the maintenance fund management side.
7. the car accident processing method according to claim 6 based on block chain, which is characterized in that the maintenance fund
The step of manager generates corresponding service price according to the identity information of the relevant information of the vehicle and the car owner it
Before include：
The maintenance fund management root obtains the vehicle information of the vehicle, mileage travelled letter according to the relevant information of the vehicle
Breath, purchase year limit information；
The maintenance fund management root generates corresponding according to the relevant information of the vehicle and the identity information of the car owner
The step of service price includes：
The maintenance fund management root is according to the vehicle information of the vehicle, mileage travelled information, purchase year limit information and institute
The identity information for stating car owner generates corresponding service price.
8. the car accident processing method according to claim 6 based on block chain, which is characterized in that the maintenance fund
The step of manager generates corresponding service price according to the identity information of the relevant information of the vehicle and the car owner it
Before further include：
The server high in the clouds receives the photo and/or video before the vehicle generation accident that the car owner uploads, and by institute
It states photo or video before vehicle generation accident and is stored in the server high in the clouds block chain, wherein the photo and/or packet
Include the license plate number of the vehicle；
The server high in the clouds to before the vehicle generation accident photo and/or video be scanned, detect vehicle hair
It makes trouble therefore preceding with the presence or absence of damaged part；
If in the presence of the damaged part being marked, and testing result is sent to the car owner；
The intelligent terminal according to the service price received to the maintenance fund management side pay corresponding service fee, with
Include before the step of maintenance fund management side signature maintenance agreement：
The testing result is differentiated in the car owner, and without demur to the testing result, then executes car owner's root
According to the service price that the intelligent terminal receives corresponding service fee and the dimension are paid to the maintenance fund management side
The step of protecting fund management side's signature maintenance agreement.
9. the car accident processing method according to claim 6 based on block chain, which is characterized in that the intelligent terminal
According to the service price received corresponding service fee and the maintenance fund management are paid to the maintenance fund management side
Further include after the step of side's signature maintenance agreement：
The maintenance fund management side generates electronic protocol and electronic maintenance certificate, and by the electronic protocol and electronic maintenance certificate
It is sent to the intelligent terminal.
10. a kind of car accident processing system based on block chain, which is characterized in that including：Intelligent terminal, the server of car owner
High in the clouds, maintenance fund management side, and further include：Memory and processor, the memory are stored with car accident processing journey
Sequence, the car accident processing routine execute method as claimed in any one of claims 1-9 wherein when being run by the processor
The step of.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810283454.2A CN108446991A (en) | 2018-04-02 | 2018-04-02 | Car accident processing method and system based on block chain |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810283454.2A CN108446991A (en) | 2018-04-02 | 2018-04-02 | Car accident processing method and system based on block chain |
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| CN108446991A true CN108446991A (en) | 2018-08-24 |
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ID=63198688
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810283454.2A Withdrawn CN108446991A (en) | 2018-04-02 | 2018-04-02 | Car accident processing method and system based on block chain |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109635956A (en) * | 2018-11-02 | 2019-04-16 | 广州裕申电子科技有限公司 | A kind of processing method and system of maintenance of equipment mission bit stream |
| CN110569995A (en) * | 2019-08-31 | 2019-12-13 | 阿里巴巴集团控股有限公司 | accident vehicle maintenance method and device and electronic equipment |
| CN110889772A (en) * | 2018-11-21 | 2020-03-17 | 腾讯科技（深圳）有限公司 | Policy processing method and device, computer equipment and storage medium |
| CN111583447A (en) * | 2020-04-30 | 2020-08-25 | 深圳市元征科技股份有限公司 | Accident vehicle information recording method and related device |
| CN112750037A (en) * | 2019-04-30 | 2021-05-04 | 创新先进技术有限公司 | Block chain-based data compression and query method and device and electronic equipment |
| FR3104780A1 (en) * | 2019-12-17 | 2021-06-18 | Groupe Tabatabaï | PROCESS FOR THE AUTOMATIC PRODUCTION OF A DIGITAL MULTIMEDIA REPORT OF AN EXPERTISE OF A CLAIM |
-
2018
- 2018-04-02 CN CN201810283454.2A patent/CN108446991A/en not_active Withdrawn
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109635956A (en) * | 2018-11-02 | 2019-04-16 | 广州裕申电子科技有限公司 | A kind of processing method and system of maintenance of equipment mission bit stream |
| CN110889772A (en) * | 2018-11-21 | 2020-03-17 | 腾讯科技（深圳）有限公司 | Policy processing method and device, computer equipment and storage medium |
| CN110889772B (en) * | 2018-11-21 | 2021-10-22 | 腾讯科技（深圳）有限公司 | Policy processing method and device, computer equipment and storage medium |
| CN112750037A (en) * | 2019-04-30 | 2021-05-04 | 创新先进技术有限公司 | Block chain-based data compression and query method and device and electronic equipment |
| CN110569995A (en) * | 2019-08-31 | 2019-12-13 | 阿里巴巴集团控股有限公司 | accident vehicle maintenance method and device and electronic equipment |
| FR3104780A1 (en) * | 2019-12-17 | 2021-06-18 | Groupe Tabatabaï | PROCESS FOR THE AUTOMATIC PRODUCTION OF A DIGITAL MULTIMEDIA REPORT OF AN EXPERTISE OF A CLAIM |
| CN111583447A (en) * | 2020-04-30 | 2020-08-25 | 深圳市元征科技股份有限公司 | Accident vehicle information recording method and related device |
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