CN108765171A - Risk control method, block chain node device and the mobile unit of car insurance - Google Patents
Risk control method, block chain node device and the mobile unit of car insurance Download PDFInfo
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- CN108765171A CN108765171A CN201810495819.8A CN201810495819A CN108765171A CN 108765171 A CN108765171 A CN 108765171A CN 201810495819 A CN201810495819 A CN 201810495819A CN 108765171 A CN108765171 A CN 108765171A
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- 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
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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
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Abstract
The application is suitable for block chain technical field, provides the risk control method, block chain node device and mobile unit of car insurance, wherein method includes：The information of vehicles inquiry request that insurance service client is sent is received, the inquiry request includes vehicles identifications；It is determined according to the vehicles identifications and is identified with the matched information of vehicles of the inquiry request；The information of vehicles is identified into corresponding information of vehicles and is sent to the insurance service client.The application can ensure the authenticity of the information of vehicles of record so that insurance company easily and effectively prevents and investigate risk Claims Resolution case.
Description
Technical field
The application belongs to block chain technical field more particularly to a kind of risk control method of car insurance, block chain link
Point device and mobile unit.
Background technology
Currently, insurance company can only rely on client to time of being in danger, place, wheelpath, car speed and driving behavior
Deng description carry out risk examination and survey Claims Resolution, whether client's statement really states the information before vehicle is in danger, it is more difficult to pass through
Other approach learn, insurance company's accurate grasp relatively difficult to achieve is caused to be in danger real information, can not easily and effectively prevent and
Investigate risk Claims Resolution case.
Invention content
In view of this, this application provides a kind of risk control method of car insurance, system, block chain node device and
Intelligent box is in danger real information with solving insurance company existing in the prior art accurate grasp relatively difficult to achieve, can not be light
Loose effective the problem of preventing and investigating risk Claims Resolution case.
In a first aspect, this application provides a kind of risk control method of car insurance, it is applied to block chain node device,
The method includes：
The information of vehicles inquiry request that insurance service client is sent is received, the inquiry request includes vehicles identifications；
It is determined according to the vehicles identifications and is identified with the matched information of vehicles of the inquiry request；
The information of vehicles is identified into corresponding information of vehicles and is sent to the insurance service client.
Based on the above technical solution, the information of vehicles inquiry request sent in the reception insurance service client
Before, the method further includes：
The information of vehicles that mobile unit is sent is received, the information of vehicles is that the mobile unit is detecting vehicle
Before the collision sent when collision in preset time range the vehicle information of vehicles；
Calculate the characteristic value of the information of vehicles；
It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is institute by the characteristic value
The information of vehicles mark for stating information of vehicles is registered in block chain.
Based on the above technical solution, the information of vehicles includes driving behavior information and vehicle collision detection letter
Breath.
Second aspect, this application provides a kind of risk control methods of car insurance, are applied to mobile unit, the side
Method includes：
Whether monitoring vehicle collides in real time；
If colliding, the mobile unit monitors in preset time range before the vehicle is collided institute
The information of vehicles for stating vehicle is sent to block chain node device, so that the block chain node device carries out the information of vehicles
It is registered in after processing in block chain.
Based on the above technical solution, the information of vehicles includes driving behavior information and vehicle collision detection letter
Breath.
The third aspect, the application also provide a kind of block chain node device, including：
Receiving unit, the information of vehicles inquiry request for receiving the transmission of insurance service client, the inquiry request packet
Include vehicles identifications；
Matching unit is identified for being determined according to the vehicles identifications with the matched information of vehicles of the inquiry request；
First transmission unit is sent to the insurance service visitor for the information of vehicles to be identified corresponding information of vehicles
Family end.
Based on the above technical solution, the block chain node device further includes registration unit, is used for：
The information of vehicles that mobile unit is sent is received, the information of vehicles is that the mobile unit is detecting vehicle
Before the collision sent when collision in preset time range the vehicle information of vehicles；
Calculate the characteristic value of the information of vehicles；
It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is institute by the characteristic value
The information of vehicles mark for stating information of vehicles is registered in block chain.
Based on the above technical solution, the information of vehicles includes driving behavior information and vehicle collision detection letter
Breath.
Fourth aspect, the application also provide a kind of mobile unit, including：
Detection unit, for monitoring whether vehicle collides in real time；
Second transmission unit, if for colliding, it is described in preset time range before the vehicle is collided
The information of vehicles for the vehicle that mobile unit monitors is sent to block chain node device, so that the block chain node device
It is registered in after handling the information of vehicles in block chain.
Based on the above technical solution, the information of vehicles includes driving behavior information and vehicle collision detection letter
Breath.
5th aspect, the application also provide a kind of block chain node device, including memory, processor and are stored in institute
State the computer program that can be run in memory and on the processor, which is characterized in that the processor executes the meter
It is realized when calculation machine program such as the step of any one of above-mentioned first aspect the method.
6th aspect, the application also provide a kind of mobile unit, including memory, processor and are stored in the storage
In device and the computer program that can run on the processor, which is characterized in that the processor executes the computer journey
It is realized when sequence such as the step of any one of above-mentioned second aspect the method.
The advantageous effect of the application is：
The application using mobile unit in preset time range before collision due to, when detecting that vehicle collides, will be supervised
The information of vehicles measured is sent to block chain node device, and the information of vehicles is registered in block chain by block chain node device
In, the information of vehicles investigation recorded in block chain is accessed subsequently through insurance service client whether there is fraud in insurance fraud, profit
With block chain technology district center and anti-tamper characteristic, it is ensured that the information of vehicles before the collision for depositing card of accepting insurance in certain time period
Credibility so that insurance company can easily and effectively prevent and investigate risk Claims Resolution case.
Description of the drawings
It in order to more clearly explain the technical solutions in the embodiments of the present application, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only some of the application
Embodiment for those of ordinary skill in the art without having to pay creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the topological diagram of block chain node device provided by the embodiments of the present application when in use；
Fig. 2 is the implementation process schematic diagram of the risk control method of car insurance provided by the embodiments of the present application；
Fig. 3 is the implementation process schematic diagram of the risk control method for the car insurance that another embodiment of the application provides；
Fig. 4 is the structural schematic diagram of block chain node device provided by the embodiments of the present application；
Fig. 5 is the structural schematic diagram of intelligent box provided by the embodiments of the present application；
Fig. 6 is the structural schematic diagram for the block chain node device that another embodiment of the application provides；
Fig. 7 is the structural schematic diagram for the intelligent box that another embodiment of the application provides.
Specific implementation mode
In being described below, for illustration and not for limitation, it is proposed that such as tool of particular system structure, technology etc
Body details, so as to provide a thorough understanding of the present application embodiment.However, it will be clear to one skilled in the art that there is no these specific
The application can also be realized in the other embodiments of details.In other situations, it omits and well-known block chain node is set
The detailed description of standby, mobile unit and method, so as not to obscure the description of the present application with unnecessary details.
Fig. 1 is the topological diagram of block chain node device provided by the embodiments of the present application when in use.For convenience of description only
Only the parts related to this embodiment are shown.
Shown in Figure 1, which includes 1~n of block chain node device, 1~m of mobile unit and insurance service visitor
Family end, wherein m, n are positive integer, the insurance service client and the 1~m of mobile unit with the block chain node
Equipment 1~n communication connections.Wherein, intelligent contract, each block chain node device are deployed in each block chain node device
It is equivalent to a distributed data base, each block chain node device of the block chain described in the embodiment of the present application is formed
Distributed experiment & measurement system, the data stored in each node device in the distributed experiment & measurement system are the same, and
And all block chain node devices are in wide area network, ensure number by mechanism of knowing together between these block chain node devices
According to integrality and accuracy.The mobile unit is the equipment for obtaining information of vehicles being installed on vehicle, including but
It is not limited to intelligent box.The insurance service client is the end with communication function used in insurance company practitioner
End, the including but not limited to terminals such as smart mobile phone, computer.
Based on topological diagram shown in FIG. 1, the risk control below in conjunction with Fig. 2 to car insurance provided by the embodiments of the present application
The implementation process of method elaborates, and in the embodiment depicted in figure 2, the executive agent of flow sets for the block chain node in Fig. 1
Any one node device in standby 1~n.Details are as follows for the implementation process of this method：
Step S201 receives the information of vehicles inquiry request that insurance service client is sent, and the inquiry request includes vehicle
Mark.
In the present embodiment, the practitioner of the insurance company can be in the right to use for obtaining the insurance service client
After limit, information of vehicles inquiry request, the vehicle are sent to the block chain node device by the insurance service client
Inquiry request may also include query time and place in addition to including vehicles identifications.
Step S202 is determined according to the vehicles identifications and is identified with the matched information of vehicles of the inquiry request.
In the present embodiment, the information of vehicles of the vehicle pre-registers in block chain, and the information of vehicles includes driving
Behavioural information and vehicle collision detection information are sailed, wherein the driving behavior information includes but not limited to：When wheelpath, driving
Between, running speed, acceleration and deceleration, brake, it is left beat direction and the right side beat it is one or more in direction；The collision detection packet
It includes but is not limited to：It is one or more in collision time and crash site.
In the present embodiment, the block chain node device is registered in by the information of vehicles of the vehicle in block chain
When, the unique mark for generating an information of vehicles mark as the information of vehicles in block chain, the block chain can be corresponded to
Node device can determine and the inquiry after receiving the inquiry request of information of vehicles according to the vehicles identifications in inquiry request
Matched information of vehicles is asked to identify.
The information of vehicles is identified corresponding information of vehicles and is sent to the insurance service client by step S203.
In the present embodiment, the block chain node device is getting information of vehicles mark corresponding with the inquiry request
After knowledge, you can will register information of vehicles corresponding with information of vehicles mark in block chain according to information of vehicles mark
It is back to the insurance service client, the practitioner of insurance company is allow to be shown according to the insurance service client
Information of vehicles judges the case where this vehicle Claims Resolution case is with the presence or absence of swindle.
Preferably, in the present embodiment, can also include before step S201：
The information of vehicles that mobile unit is sent is received, the information of vehicles is that the mobile unit is detecting vehicle
Before the collision sent when collision in preset time range the vehicle information of vehicles；
Calculate the characteristic value of the information of vehicles；
It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is institute by the characteristic value
The information of vehicles mark for stating information of vehicles is registered in block chain.
In the present embodiment, the intelligent contract is mounted in computer program group discrete in block chain network node
Part, when intelligent contract has been disposed, the cryptographic Hash of intelligent contract code can be calculated and stamp digital signature.It is unidirectional to breathe out
Uncommon value, digital signature and code itself can be copied to simultaneously among the network being made of the node of participation block chain.As
A part for intelligent contract deployment flow, first thing to be done of each node is cryptographic Hash to be verified, if verification is logical
It crosses, node can be in the code of local disposition intelligence contract.Next, this node can wait for the calling of intelligent contract.
Since the integrality of intelligent contract code is got up by its one-way Hash value and the digital signature protection, because
This nobody can change it after deployment, the intelligence contract after deployment, code and whole transaction records and inside number
According to the part for together, becoming the block chain that can not be distorted.
When condition is triggered, on the node that each is deployed with intelligent contract code, intelligent contract code all can be by
It executes, the result that these nodes can be attempted to execute with regard to their respective intelligent contract codes is reached common understanding.It knew together as searching
A part for journey, block Network Protocols in Wideband can ensure reliably to copy to the intelligent contract internal data of latest update each
A node can so that block chain network internal data structure is unmodifiable in this way.
In the present embodiment, the block chain node device can be adjusted after the information of vehicles for receiving mobile unit transmission
With intelligent contract, the characteristic value of the information of vehicles is calculated by intelligent contract, using the cryptographic Hash of the information of vehicles as institute
State the information of vehicles mark of information of vehicles.
In the present embodiment, block chain node device is after the cryptographic Hash that the information of vehicles is calculated, can will be described
Information of vehicles is associated with post package with cryptographic Hash foundation and merchandises to block chain, and block chain transaction is broadcast to block in time
On other each nodes in chain network, so that other nodes are reached common understanding with present node, distorting for data is prevented.
In the present embodiment, the block chain node device can create one newly after detecting new transaction record
Block records the new transaction record, is newly created that the block come can be broadcasted by the whole network, each node of block chain can be tested
Whether the historical transaction record for demonstrate,proving transaction and block the chain example in this new block conflicts, if not conflicting, receives described new
Block.
In the present embodiment, each block stored in the block chain node device carries cryptographic Hash, between block
A chained list is constituted by respective cryptographic Hash, each block chain node stores entire block chain, appointing in block chain network
The activity of one node device of meaning is supervised by the whole network so that the transaction data described in block chain can not be tampered.
Above as can be seen that the risk control method of car insurance provided in this embodiment using mobile unit due to being examined
When measuring vehicle and colliding, the information of vehicles monitored in preset time range before collision is sent to block chain node and is set
It is standby, the information of vehicles is registered in block chain by block chain node device, subsequently through insurance service client access region
The information of vehicles investigation recorded in block chain whether there is fraud in insurance fraud, utilize block chain technology district center and anti-tamper spy
Property, it is ensured that the credibility of the information of vehicles before the collision for depositing card of accepting insurance in certain time period so that insurance company can be light
It is effective to prevent and investigate risk Claims Resolution case.
Fig. 3 shows that the implementation process of the risk control method of car insurance provided by the embodiments of the present application, this method are answered
For any one in 1~m of mobile unit shown in FIG. 1, this approach includes the following steps：
Step S301, monitors whether the vehicle collides in real time.
In the present embodiment, the headstock of the vehicle is nearby equipped with crash sensor, and the mobile unit is touched with described
Sensor electric connection is hit, the collision alarm of the crash sensor detection can be read in real time.Wherein, the crash sensor point
Sensor is touched for triggering crash sensor and protection.The triggering crash sensor is also referred to as impact strength sensor, is used for
Acceleration change when detection collision, and collision alarm is transmitted to the mobile unit；The protection crash sensor is also referred to as
Safety collision sensor, it connects with triggering crash sensor, for preventing the mobile unit flase drop.
Step S302, if colliding, the mobile unit in preset time range before the vehicle is collided
The information of vehicles of the vehicle monitored is sent to block chain node device, so that the block chain node device is to the vehicle
Information is registered in after being handled in block chain.
In the present embodiment, the mobile unit is connect with the control system of the vehicle, can be run in the vehicle
Cheng Zhong reads the information of vehicles of the vehicle from the control system of the vehicle, and stores the information of vehicles read in real time.When
It, can will be in preset time range before the collision of storage after the mobile unit receives the collision alarm of crash sensor transmission
Information of vehicles is sent to block chain node device, information of vehicles when block chain node device being made to collide the vehicle into
Row deposits card.The processing procedure that block chain node device to the information of vehicles deposit card is as follows：Calculate the information of vehicles
Characteristic value；It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is institute by the characteristic value
The information of vehicles mark for stating information of vehicles is registered in block chain.The realization method of the step due to in embodiment illustrated in fig. 2
Realization method it is identical, therefore details are not described herein.
In the present embodiment, the information of vehicles includes but not limited to driving behavior information and vehicle collision detection information.
The driving behavior information includes wheelpath, running time, running speed, acceleration and deceleration, brake, left beats direction and the right side side of beating
To；The collision detection information includes but not limited to collision time and crash site.The block chain occurs to the vehicle
Information of vehicles when collision carries out after depositing card, and insurance company can be touched by the insurance service client query to vehicle
The practitioner of information of vehicles when hitting, such insurance company can believe according to the vehicle that the insurance service client query is arrived
Breath swindles the case where insuring to judge that the vehicle whether there is.By in this present embodiment, being sent to block chain node device
Information of vehicles is mobile unit acquisition, is not to describe to obtain by car owner, and go to center to usurp with anti-based on block chain
The characteristic changed so that insurance company can obtain true and reliable information of vehicles, the Claims Resolution case for effectively preventing vehicle insurance to swindle
Part.
Above as can be seen that the risk control method of car insurance provided in this embodiment is also due to using mobile unit
The information of vehicles for vehicle of accepting insurance is monitored in real time, and when detecting that vehicle collides, will be supervised in preset time range before collision
The information of vehicles measured is sent to block chain node device, after being handled the information of vehicles by block chain node device,
The information of vehicles is registered in block chain and carries out depositing card, so that insurance company passes through the information of vehicles of inquiry block chained record
Investigation whether there is fraud in insurance fraud, utilize block chain technology district center and anti-tamper characteristic, it is ensured that accept insurance and deposit touching for card
The credibility of information of vehicles before hitting in certain time period so that insurance company can easily and effectively prevent and investigate risk reason
Pay for case.
Fig. 4 is that the structural schematic diagram of block chain node device provided by the embodiments of the present application only shows for convenience of description
Part related to the present embodiment is gone out.The block chain node device includes：
Receiving unit 41, the information of vehicles inquiry request for receiving the transmission of insurance service client, the inquiry request
Including vehicles identifications；
Matching unit 42 is identified for being determined according to the vehicles identifications with the matched information of vehicles of the inquiry request；
First transmission unit 43 is sent to the insurance service for the information of vehicles to be identified corresponding information of vehicles
Client.
Optionally, the block chain node device further includes registration unit 44, is used for：
The information of vehicles that mobile unit is sent is received, the information of vehicles is that the mobile unit is detecting vehicle
Before the collision sent when collision in preset time range the vehicle information of vehicles；
Calculate the characteristic value of the information of vehicles；
It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is institute by the characteristic value
The information of vehicles mark for stating information of vehicles is registered in block chain.
Optionally, the information of vehicles includes driving behavior information and vehicle collision detection information.
It should be noted that each unit of above system provided by the embodiments of the present application, due to shown in the application Fig. 2
Embodiment of the method is based on same design, and the technique effect brought is identical as embodiment of the method shown in the application Fig. 2, particular content
The narration in the application embodiment of the method is can be found in, details are not described herein again.
Thus, it will be seen that block chain node device provided in this embodiment can equally utilize in block chain technical area
The heart and anti-tamper characteristic, it is ensured that the credibility of the information of vehicles before the collision for depositing card of accepting insurance in certain time period so that insurance
Company can easily and effectively prevent and investigate risk Claims Resolution case.
Fig. 5 is the structural schematic diagram of mobile unit provided by the embodiments of the present application.Illustrate only for convenience of description with
The relevant part of the present embodiment.Shown in Figure 5, mobile unit provided in this embodiment includes：
Detection unit 51, for monitoring whether vehicle collides in real time；
Second transmission unit 52, if for colliding, institute in preset time range before the vehicle is collided
The information of vehicles for stating the vehicle that mobile unit monitors is sent to block chain node device, so that the block chain node is set
It is standby the information of vehicles is handled after be registered in block chain.
Optionally, the information of vehicles includes driving behavior information and vehicle collision detection information.
It should be noted that each unit of above-mentioned mobile unit provided by the embodiments of the present application, due to the application Fig. 3
Shown embodiment of the method is based on same design, and the technique effect brought is identical as embodiment of the method shown in the application Fig. 3, specifically
Content can be found in the narration in the application embodiment of the method, and details are not described herein again.
Thus, it will be seen that mobile unit provided in this embodiment can equally utilize block chain technology district center and prevent
The characteristic distorted, it is ensured that the credibility of the information of vehicles before the collision for depositing card of accepting insurance in certain time period so that insurance company can
Easily and effectively to prevent and investigate risk Claims Resolution case.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present application constitutes any limit
It is fixed.
Fig. 6 is the schematic diagram of block chain node device provided by the embodiments of the present application.As shown in fig. 6, the area of the embodiment
Block chain node device includes：It processor 60, memory 61 and is stored in the memory 61 and can be in the processor 60
The computer program 62 of upper operation.The processor 60 realizes that above-mentioned each block chain node is set when executing the computer program 62
For the function of the function of each unit in embodiment, such as unit 41 to 43 shown in Fig. 4.Alternatively, the processor 60 execute it is described
The step in embodiment of the method shown in above-mentioned Fig. 2, such as step S201 to S203 shown in Fig. 2 are realized when computer program 62.
Illustratively, the computer program 62 executes following steps when being run by the processor：
The information of vehicles inquiry request that insurance service client is sent is received, the inquiry request includes vehicles identifications；
It is determined according to the vehicles identifications and is identified with the matched information of vehicles of the inquiry request；
The information of vehicles is identified into corresponding information of vehicles and is sent to the insurance service client.
Illustratively, the computer program 62 executes following steps when being run by the processor：
The information of vehicles that mobile unit is sent is received, the information of vehicles is that the mobile unit is detecting vehicle
Before the collision sent when collision in preset time range the vehicle information of vehicles；
Calculate the characteristic value of the information of vehicles；
It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is institute by the characteristic value
The information of vehicles mark for stating information of vehicles is registered in block chain.
Fig. 7 is the structural schematic diagram for the mobile unit that another embodiment of the application provides.The mobile unit packet of the embodiment
It includes：Processor 70, memory 71 and it is stored in the computer that can be run in the memory 71 and on the processor 70
Program 72.The processor 70 realizes the function of each unit in above-mentioned embodiment illustrated in fig. 5 when executing the computer program 72,
Such as the function of unit 51 to 52 shown in Fig. 5.Alternatively, the processor 70 realizes above-mentioned figure when executing the computer program 72
Step in embodiment of the method shown in 3, such as step S301 to S302 shown in Fig. 3.
Illustratively, the computer program 72 executes following steps when being run by the processor：
Whether monitoring vehicle collides in real time；
If colliding, the mobile unit monitors in preset time range before the vehicle is collided institute
The information of vehicles for stating vehicle is sent to block chain node device, so that the block chain node device carries out the information of vehicles
It is registered in after processing in block chain.
The block chain node device/mobile unit may include, but be not limited only to, processor 60/60, memory 61/71.
It will be understood by those skilled in the art that Fig. 6/7 are only the example of block chain node device/mobile unit, do not constitute to area
The restriction of block chain node device/mobile unit may include components more more or fewer than diagram, or combine certain components,
Or different components, such as the block chain node device/mobile unit can also include input-output equipment, network insertion
Equipment, bus etc..
Alleged processor 60/70 can be central processing unit (Central Processing Unit, CPU), can be with
It is other general processors, digital signal processor (Digital Signal Processor, DSP), application-specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng.
The memory 61/71 can be the internal storage unit of the block chain node device/mobile unit, example
Such as the hard disk or memory of the block chain node device/mobile unit.The memory 61/71 can also be described
The External memory equipment of block chain node device/mobile unit, such as the block chain node device/mobile unit
The plug-in type hard disk of upper outfit, intelligent memory card (Smart MediaCard, SMC), secure digital (Secure Digital,
SD) block, flash card (Flash Card) etc..Further, the memory 61/71 can also both include the block chain node
The internal storage unit of equipment/mobile unit also includes External memory equipment.The memory 61/71 is described for storing
Other programs and data needed for computer program and the block chain node device/mobile unit.The memory
61/71 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each work(
Can unit, module division progress for example, in practical application, can be as needed and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of the block chain node device are divided into different functional units or module,
To complete all or part of the functions described above.Each functional unit, module in embodiment can be integrated in a processing
Can also be that each unit physically exists alone in unit, can also during two or more units are integrated in one unit,
The form that hardware had both may be used in above-mentioned integrated unit is realized, can also be realized in the form of SFU software functional unit.In addition,
Each functional unit, module specific name also only to facilitate mutually distinguish, the protection domain being not intended to limit this application.
The specific work process of unit in above system, module, can refer to corresponding processes in the foregoing method embodiment, herein no longer
It repeats.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may realize that lists described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, depends on the specific application and design constraint of technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
Scope of the present application.
In embodiment provided herein, it should be understood that disclosed system, block chain node device, intelligence
Box and method, may be implemented in other ways.For example, system described above, block chain node device/smart box
Sub- embodiment is only schematical, for example, the division of the unit, only a kind of division of logic function, in actual implementation
There may be another division manner, such as multiple units or component can be combined or can be integrated into another system or one
A little features can be ignored, or not execute.Another point, shown or discussed mutual coupling or direct-coupling or communication connect
It can be by some interfaces to connect, and the INDIRECT COUPLING or communication connection of block chain node device or unit, can be electrical, machinery
Or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the application can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.Above-mentioned integrated list
The form that hardware had both may be used in member is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can be stored in a computer read/write memory medium.Based on this understanding, the application realizes above-described embodiment side
All or part of flow in method can also instruct relevant hardware to complete, the computer by computer program
Program can be stored in a computer readable storage medium, and the computer program is when being executed by processor, it can be achieved that above-mentioned each
The step of a embodiment of the method.Wherein, the computer program includes computer program code, the computer program code
Can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium can
To include：Any entity or block chain node device, recording medium, USB flash disk, the movement of the computer program code can be carried
Hard disk, magnetic disc, CD, computer storage, read-only memory (Read-Only Memory, ROM), random access memory
(Random Access Memory, RAM), electric carrier signal, telecommunication signal and software distribution medium etc..It needs to illustrate
It is that the content that the computer-readable medium includes can be fitted according to legislation in jurisdiction and the requirement of patent practice
When increase and decrease, such as in certain jurisdictions, according to legislation and patent practice, computer-readable medium do not include be electric carrier wave
Signal and telecommunication signal.
Embodiment described above is only to illustrate the technical solution of the application, rather than its limitations；Although with reference to aforementioned reality
Example is applied the application is described in detail, it will be understood by those of ordinary skill in the art that：It still can be to aforementioned each
Technical solution recorded in embodiment is modified or equivalent replacement of some of the technical features；And these are changed
Or replace, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution should all
Within the protection domain of the application.
Claims (10)
1. a kind of risk control method of car insurance, which is characterized in that be applied to block chain node device, the method packet
It includes：
The information of vehicles inquiry request that insurance service client is sent is received, the inquiry request includes vehicles identifications；
It is determined according to the vehicles identifications and is identified with the matched information of vehicles of the inquiry request；
The information of vehicles is identified into corresponding information of vehicles and is sent to the insurance service client.
2. according to the method described in claim 1, it is characterized in that, the vehicle letter sent in the reception insurance service client
Before ceasing inquiry request, the method further includes：
The information of vehicles that mobile unit is sent is received, the information of vehicles is that the mobile unit is detecting that vehicle collides
When the collision that sends before in preset time range the vehicle information of vehicles；
Calculate the characteristic value of the information of vehicles；
It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is the vehicle by the characteristic value
The information of vehicles mark of information is registered in block chain.
3. method according to claim 1 or 2, which is characterized in that the information of vehicles includes driving behavior information and vehicle
Collision detection information.
4. a kind of risk control method of car insurance, which is characterized in that it is applied to mobile unit, the method includes：
Whether monitoring vehicle collides in real time；
If colliding, the mobile unit monitors in preset time range before the vehicle is collided the vehicle
Information of vehicles be sent to block chain node device so that the block chain node device handles the information of vehicles
After be registered in block chain.
5. according to the method described in claim 4, it is characterized in that, the information of vehicles includes driving behavior information and vehicle touches
Hit detection information.
6. a kind of block chain node device, which is characterized in that including：
Receiving unit, the information of vehicles inquiry request for receiving the transmission of insurance service client, the inquiry request includes vehicle
Mark；
Matching unit is identified for being determined according to the vehicles identifications with the matched information of vehicles of the inquiry request；
First transmission unit is sent to the insurance service client for the information of vehicles to be identified corresponding information of vehicles
End.
7. block chain node device as claimed in claim 6, which is characterized in that further include registration unit, be used for：
The information of vehicles that mobile unit is sent is received, the information of vehicles is that the mobile unit is detecting that vehicle collides
When the collision that sends before in preset time range the vehicle information of vehicles；
Calculate the characteristic value of the information of vehicles；
It by the information of vehicles and the characteristic value associated storage and is registered in block chain, and is the vehicle by the characteristic value
The information of vehicles mark of information is registered in block chain.
8. a kind of mobile unit, which is characterized in that including：
Detection unit, for monitoring whether vehicle collides in real time；
Second transmission unit, if for colliding, it is described vehicle-mounted in preset time range before the vehicle is collided
Monitoring of equipment to the information of vehicles of the vehicle be sent to block chain node device so that the block chain node device is to institute
It states and is registered in after information of vehicles is handled in block chain.
9. a kind of block chain node device, which is characterized in that including memory, processor and be stored in the memory simultaneously
The computer program that can be run on the processor, which is characterized in that the processor executes real when the computer program
Now such as the step of any one of claims 1 to 3 the method.
10. a kind of mobile unit, which is characterized in that including memory, processor and be stored in the memory and can be
The computer program run on the processor, which is characterized in that the processor is realized such as when executing the computer program
The step of any one of claim 4 to 5 the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201810495819.8A CN108765171A (en) | 2018-05-22 | 2018-05-22 | Risk control method, block chain node device and the mobile unit of car insurance |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810495819.8A CN108765171A (en) | 2018-05-22 | 2018-05-22 | Risk control method, block chain node device and the mobile unit of car insurance |
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| CN112950395A (en) * | 2021-03-04 | 2021-06-11 | 湖南大学 | Block chain-based insurance claim settlement method, equipment and storage medium |
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Application publication date: 20181106 |