CN109447829A - A kind of robber's damage danger Claims Resolution method, apparatus, server and medium - Google Patents
A kind of robber's damage danger Claims Resolution method, apparatus, server and medium Download PDFInfo
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- CN109447829A CN109447829A CN201811250323.0A CN201811250323A CN109447829A CN 109447829 A CN109447829 A CN 109447829A CN 201811250323 A CN201811250323 A CN 201811250323A CN 109447829 A CN109447829 A CN 109447829A
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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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Abstract
The embodiment of the invention provides a kind of robbers to damage danger Claims Resolution method, apparatus, server and medium, wherein, this method comprises: when receiving robber damage danger Claims Resolution application of the terminal for end article, the robber for inquiring the end article recorded on block chain damages dangerous information, and it includes end article mark, target safety position and target insurance details that the robber of the end article, which damages dangerous information,；The target insurance details include insured amount, record of insuring；The block chain is to damage dangerous information according to the robber of the multiple commodity of insuring to generate；When the target safety position is to be in danger, output refusal Claims Resolution prompt information to the terminal；When the target safety position is to have insured, Claims Resolution processing is carried out to the end article according to the target insurance details, and registering the target safety position on block chain is to be in danger.Using the present invention, dangerous information can be damaged by the robber for commodity of respectively insuring, is effectively prevented from for insurance frauds behaviors such as the repetition insurance frauds for stealing damage danger.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of robber to damage danger Claims Resolution method, apparatus, server and Jie
Matter.
Background technique
For insurance company, it tends to be difficult to prevent various malice insurance fraud behaviors, in particular for assets pair such as diamond, wrist-watches
The insurance fraud behavior for the robber's damage danger answered.Wherein, a kind of insurance for rare article assets that damage nearly refers to is stolen, it can ensure name
Loss of your article assets in the case where meeting with the scenes such as pilferage.However, being caused due to the opacification of information between each insurance company
The insurance frauds behaviors such as danger repetition insurance fraud are damaged frequent occurrence for stealing.
Summary of the invention
The embodiment of the invention provides a kind of robbers to damage danger Claims Resolution method, apparatus, server and medium, can be by respectively insuring
The robber of commodity damages dangerous information, is effectively prevented from for insurance frauds behaviors such as the repetition insurance frauds for stealing damage danger.
In a first aspect, the embodiment of the invention provides a kind of robbers to damage danger Claims Resolution method, it is applied to information server, the letter
Ceasing server is any node equipment in block chain network, and each node device in the block chain network is more for recording
The robber of a commodity of insuring damages dangerous information；The described method includes:
When receiving robber damage danger Claims Resolution application of the terminal for end article, the mesh recorded on block chain is inquired
The robber for marking commodity damages dangerous information, and it includes end article mark, target safety position and mesh that the robber of the end article, which damages dangerous information,
Mark insurance details；The target insurance details include insured amount, record of insuring；The block chain is insured according to the multiple
The robber of commodity damages what dangerous information generated；
When the target safety position is to be in danger, output refusal Claims Resolution prompt information to the terminal；
When the target safety position is to have insured, the end article is managed according to the target insurance details
Compensation processing, and registering the target safety position on block chain is to be in danger.
Optionally, the method also includes:
When receive terminal for end article robber damage danger insure apply when, inquire block chain on whether recorded target
Commodity sign；
When inquire recorded on block chain the end article mark when, if inquiring the corresponding mesh of the end article
Mark state of insuring is to be in danger, then exports refusal and insure prompt information to the terminal.
Optionally, after the end article mark whether has been recorded on the inquiry block chain, the method also includes:
When inquire end article mark is not recorded on block chain when, however, it is determined that the end article is insured success,
The robber of the end article is then damaged into dangerous information, block chain is written.
It is optionally, described that Claims Resolution processing is carried out to the end article according to the target insurance details, comprising:
According to the Intelligent target contract recorded on the target insurance details and block chain, the end article is carried out
Claims Resolution processing；
Wherein, the Intelligent target contract is the intelligent contract stealing damage and being nearly arranged corresponding for the end article, institute
It includes following any one or more for stating Intelligent target contract: claim provision, Claims Resolution mode, amount for which loss settled.
Optionally, the target insurance details include Claims Resolution record, according to the target insurance details to the target quotient
After product carry out Claims Resolution processing, the method also includes:
After determination settles a claim successfully to the end article, the mark of the insurance company of Claims Resolution time and Claims Resolution is obtained；
The mark of the Claims Resolution time and the insurance company of the Claims Resolution are registered in the Claims Resolution record.
Optionally, the method also includes:
When the target safety position is to have insured, output Claims Resolution prompt information to the terminal；The Claims Resolution prompt
Information, which is used to indicate, carries out Claims Resolution processing to the end article according to the target insurance details.
Optionally, the method also includes:
When receiving robber damage danger inquiry instruction of the terminal for end article, inquire on block chain described in whether having recorded
The robber of end article damages dangerous information；
When inquiring the robber for having recorded the end article on block chain damage danger information, the robber of the end article is exported
Dangerous information is damaged to the terminal.
Second aspect, the embodiment of the invention provides a kind of robbers to damage danger Claims Resolution device, is applied to information server, the letter
Ceasing server is any node equipment in block chain network, and each node device in the block chain network is more for recording
The robber of a commodity of insuring damages dangerous information；Include:
Processing unit, for inquiring block chain when receiving robber's damage danger Claims Resolution application of the terminal for end article
The robber of the end article of upper record damages dangerous information, and it includes end article mark, mesh that the robber of the end article, which damages dangerous information,
Mark safety position and target insurance details；The target insurance details include insured amount, record of insuring；The block chain is root
Damage what dangerous information generated according to the robber of the multiple commodity of insuring；
Communication unit, for when the target safety position is to be in danger, output refusal Claims Resolution prompt information to be to described
Terminal；
The processing unit is also used to when the target safety position is to have insured, according to the target insurance details
Claims Resolution processing is carried out to the end article, and registering the target safety position on block chain is to be in danger.
The third aspect, the embodiment of the invention provides a kind of server, including processor, input equipment, output equipment and
Memory, the processor, input equipment, output equipment and memory are connected with each other, wherein the memory is based on storing
Calculation machine program, the computer program include program instruction, and the processor is configured for calling described program instruction, are executed
Method as described in relation to the first aspect.
Fourth aspect, the embodiment of the invention provides a kind of computer readable storage medium, the computer storage medium
It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor
State the method for processor execution as described in relation to the first aspect.
In conclusion information server can be looked into when receiving robber damage danger Claims Resolution application of the terminal for end article
The robber for asking out the end article recorded on block chain damages dangerous information；It is when the robber damages the target safety position that dangerous information includes
When being in danger, information server can export refusal Claims Resolution prompt information to the terminal；It is protected when the robber damages the target that dangerous information includes
Dangerous state is when having insured, and information server can carry out Claims Resolution processing to the end article according to the target insurance details, and
It is to be in danger that the target safety position is registered on block chain, to damage dangerous information by the robber for commodity of respectively insuring, is effectively kept away
Exempt from for insurance frauds behaviors such as the repetition insurance frauds for stealing damage danger.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of flow diagram for stealing damage danger Claims Resolution method provided in an embodiment of the present invention；
Fig. 2 is another flow diagram for stealing damage danger Claims Resolution method provided in an embodiment of the present invention；
Fig. 3 is a kind of network architecture schematic diagram for stealing damage danger Claims Resolution system provided in an embodiment of the present invention；
Fig. 4 is a kind of structural schematic diagram for stealing damage danger Claims Resolution device provided in an embodiment of the present invention；
Fig. 5 is a kind of structural schematic diagram of server provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention is described.
Referring to Fig. 1, for a kind of flow diagram for stealing damage danger Claims Resolution method provided in an embodiment of the present invention.Wherein, should
Method can be applied to information server, which is any node equipment in block chain network, the block link network
The robber that each node device in network is used to record multiple commodity of insuring damages dangerous information.Specifically, this method may include following
Step:
S101, when receiving robber of the terminal for end article and damaging danger Claims Resolution application, inquire and record on block chain
The robber of the end article damages dangerous information, and it includes end article mark, target insurance shape that the robber of the end article, which damages dangerous information,
State and target insurance details.
Wherein, which can be the corresponding terminal of staff of insurance company, or in one embodiment, can be with
For the corresponding terminal of the corresponding insurer of the end article.The terminal includes but is not limited to smart phone, tablet computer, notebook
The intelligent terminals such as computer, desktop computer.The block chain is to damage dangerous information according to the robber of multiple commodity of insuring to generate.At one
In embodiment, which can be publicly-owned chain.End article mark can be used for for title, the number etc. of the end article
The information of the unique identification end article.The target safety position, which can be divided into, has insured and has been in danger.It has insured and has referred to and be in
The state insured, being in danger refers to that commodity are in the state lost.In one embodiment, be in danger is to commodity
It is registered in after being settled a claim in block chain.Or, being in danger is to be registered in area after confirmation commodity are currently at lost condition
In block chain.By safety position, rapidly can determine whether to settle a claim to commodity during Claims Resolution.Target insurance
Details include insured amount, record of insuring.By insurance details, can more intuitively determine each commodity insures dynamic to manage
It pays for.Wherein, which may include insured amount, can also include insurance expenses in one embodiment.The note of insuring
Record may include following any one or more: the time of policy purchase, number of insuring, the insurance company insured every time mark.The guarantor
The mark of dangerous company includes but is not limited to the mark of the register name and/or corresponding information server for the insurance company, such as
The physical address of information server.In one embodiment, which can be insurance company server, such as insure public
Take charge of corresponding access server.
In one embodiment, when receiving robber damage danger Claims Resolution application of the terminal for end article, information server
It can inquire on block chain and whether record the dangerous information of robber's damage of the end article；The target is not recorded on block chain when inquiring
When the robber of commodity damages dangerous information, explanation may not insure to the end article, and information server can export refusal Claims Resolution at this time
Prompt information is to the terminal.Wherein, which, which damages danger Claims Resolution application, can carry end article mark, for according to target quotient
The robber that the end article whether has been recorded on product mark inquiry block chain damages dangerous information.
Wherein, information server can execute step S102 and step S103 after executing step S101 side by side.
S102, when the target safety position is to be in danger, output refusal Claims Resolution prompt information is to the terminal.
When the target safety position be in danger, illustrate that the end article has been lost, received at this time for target quotient
The robber of product damages danger Claims Resolution application, illustrates a possibility that there are insurance frauds, therefore can export refusal Claims Resolution prompt information to the terminal
To be alerted.
In an application scenarios, shop A vending articles are to 1 one pieces of wrist-watches of user (it be identified as 1XXXX), and user 1
Can insurance company 1 be the wrist-watch insure robber damage danger, after insuring successfully, insurance company 1 can by information server by
The robber of the wrist-watch damages in dangerous information write-in block chain.User 1 can initiate to settle a claim after losing wrist-watch to insurance company 1.When the letter
When breath server receives robber's damage danger Claims Resolution application for the wrist-watch, the robber of the wrist-watch of the block chained record can be inquired
Damage dangerous information；When the robber of the wrist-watch, which damages the target that dangerous information includes, insures state to be in danger, output refusal Claims Resolution prompt is believed
Breath.
S103, when the target safety position be insured when, according to the target insurance details to the end article
Claims Resolution processing is carried out, and registering the target safety position on block chain is to be in danger.
In the embodiment of the present invention, information server can be in several ways according to the target insurance details to target quotient
Product carry out Claims Resolution processing.The Intelligent target recorded on information server available preset Claims Resolution strategy or block chain closes
About, to be settled a claim according to the target insurance details to the end article.
Wherein, which refers to the Claims Resolution strategy stealing damage and being nearly arranged corresponding for the end article, should
Preset Claims Resolution strategy is based on running under block chain.The preset Claims Resolution strategy may include following any one or more
: claim provision, Claims Resolution mode, amount for which loss settled.The Intelligent target contract refers to that damaging danger for the corresponding robber of the end article sets
The intelligent contract set, the Intelligent target contract are based on running on block chain.The Intelligent target contract may include following
It anticipates one or more: claim provision, Claims Resolution mode, amount for which loss settled.Above-mentioned claim provision may include Claims Resolution time limit, Claims Resolution responsibility
Etc. contents, Claims Resolution mode can specify that calculate amount for which loss settled mode, such as can use the first responsibility for risk compensatory approach,
In, specific Claims Resolution mode can adjust according to the actual situation, the embodiment of the present invention to it with no restrictions.
In one embodiment, information server carries out Claims Resolution processing to the end article according to the target insurance details,
It may include: information server according to the target insurance details and preset Claims Resolution strategy, settle a claim to the end article
Processing.
For example, information server is according to the target insurance details and preset Claims Resolution strategy, to the end article into
Row Claims Resolution processing, may include: that information server can insure the time of policy purchase and receive robber that details include according to target
Whether the time that damage is nearly applied judges the end article within the Claims Resolution time limit；When determine the end article Claims Resolution the time limit in
When, information server calculates amount for which loss settled according to insured amount, claim provision, Claims Resolution mode, and according to amount for which loss settled to this
End article is compensated.
In one embodiment, information server carries out Claims Resolution processing to the end article according to the target insurance details,
It may include: information server according to the Intelligent target contract recorded on the target insurance details and block chain, to the target
Commodity carry out Claims Resolution processing.
For example, information server is according to the intelligent contract recorded on the target insurance details and block chain, to the mesh
Mark commodity carry out Claims Resolution processing, may include: information server can be insured according to target time of policy purchase that details include and
It receives and steals time for nearly applying of damage and judge the end article whether within the Claims Resolution time limit；When determining that the end article settling a claim
When in the time limit, information server calculates amount for which loss settled according to insured amount, claim provision, Claims Resolution mode, and according to Claims Resolution gold
Volume compensates the end article.
Wherein, aforementioned information server can be according to the process that amount for which loss settled settles a claim to the end article based on area
On block chain, be also possible to based under block chain, the embodiment of the present invention to it with no restrictions.
In one embodiment, when the target safety position is to have insured, information server can export Claims Resolution prompt
Information is to the terminal；The Claims Resolution prompt information, which is used to indicate, carries out loss department to the end article according to the target insurance details
Reason.By output Claims Resolution prompt information, the Claims Resolution process of insurance company can be convenient.
In one embodiment, which can also include Claims Resolution record, and information server is according to the target
After insurance details carry out Claims Resolution processing to the end article, Claims Resolution record can be updated in block chain.Specifically, information
It may include: information service after determination settles a claim successfully to the end article that server updates Claims Resolution record in block chain
Device obtains the mark of the insurance company of Claims Resolution time and Claims Resolution；Information server is by the insurance company of the Claims Resolution time and the Claims Resolution
Mark be registered in the Claims Resolution record in.
In one embodiment, the mark of the insurance company of the Claims Resolution time and Claims Resolution, which can be, is sent to the letter by terminal
Cease server.
As it can be seen that in embodiment shown in FIG. 1, when receiving robber damage danger Claims Resolution application of the terminal for end article, letter
The robber that breath server can inquire the end article recorded on block chain damages dangerous information；When the robber damages the mesh that dangerous information includes
Mark safety position is when being in danger, and information server can export refusal Claims Resolution prompt information to the terminal；When the robber damages danger letter
The target safety position that breath includes is when having insured, information server can according to the target insurance details to the end article into
Row Claims Resolution processing, and registering the target safety position on block chain is to be in danger, so that the robber by commodity of respectively insuring damages danger
Information is efficiently avoided for insurance frauds behaviors such as the repetition insurance frauds for stealing damage danger.
Referring to Fig. 2, for another flow diagram for stealing damage danger Claims Resolution method provided in an embodiment of the present invention.Wherein,
This method can be applied to information server, which is any node equipment in block chain network, the block chain
The robber that each node device in network is used to record multiple commodity of insuring damages dangerous information.Specifically, this method may include with
Lower step:
S201, when receiving robber of the terminal for end article and damaging danger Claims Resolution application, inquire and record on block chain
The robber of the end article damages dangerous information, and it includes end article mark, target insurance shape that the robber of the end article, which damages dangerous information,
State and target insurance details.
S202, when the target safety position is to be in danger, output refusal Claims Resolution prompt information is to the terminal.
S203, when the target safety position be insured when, according to the target insurance details to the end article
Claims Resolution processing is carried out, and registering the target safety position on block chain is to be in danger.
Wherein, step S201-S203 can be found in the step S101-S103 in Fig. 2 embodiment, and the embodiment of the present invention is herein not
It repeats.Information server can execute step S204 after executing step S203.
S204, when receive terminal for end article robber damage danger insure apply when, inquire block chain on whether remembered
Record end article mark.
In the embodiment of the present invention, when receive terminal for end article robber damage danger insure apply when, information server
It can inquire on block chain and whether record end article mark.
In one embodiment, for insurer for the end article want continuation of insurance steal damage danger or repeat insure robber damage
Danger scene in, when inquire recorded on block chain end article mark when, information server if it is determined that the target insure shape
State is to have insured, then can damage danger according to the robber and insure and apply for the corresponding information of carrying, carry out processing of insuring to the end article,
Alternatively, prompt information of insuring can also be exported to terminal, processing of insuring is carried out to the end article with prompt.
In one embodiment, in the scene insured for the first time for insurer for the end article, when inquiring area
When not recording end article mark on block chain, information server success if it is determined that the end article is insured then can be by the target
The robber of commodity damages in dangerous information write-in block chain.Correspondingly, server can damage danger and insure according to the robber applies for the corresponding of carrying
Information carries out processing of insuring to the end article, alternatively, prompt information of insuring can also be exported to terminal, to prompt to the target
Commodity carry out processing of insuring.
S205, when inquire recorded on block chain the end article mark when, if inquiring the end article pair
The target answered state of insuring is to be in danger, then exports refusal and insure prompt information to the terminal.
In the embodiment of the present invention, when inquire the corresponding target of the end article on block chain insure state be in danger
When, it indicates that the end article has been lost, if receiving the dangerous application of insuring of robber's damage for the end article again, shows to be directed to and be somebody's turn to do
There may be insurance fraud behaviors for end article, thus can export refusal insure prompt information to the terminal to be alerted.
In an application scenarios, shop A vending articles are to 1 one pieces of wrist-watches of user (it be identified as 1XXXX), and user 1
Can insurance company 1 be the wrist-watch insure robber damage danger, after insuring successfully, insurance company 1 can by information server by
The robber of the wrist-watch damages in dangerous information write-in block chain.User 1 can initiate to settle a claim after losing wrist-watch to insurance company 1.Insurance is public
Department 1 is after settling a claim to the wrist-watch, it is assumed that user 1 has sold for the wrist-watch in black market, if someone throws for wrist-watch again
Protect, then information server can receive for the wrist-watch robber damage danger insure apply when, can inquire on block chain
It records wrist-watch mark 1XXXX and the corresponding target of wrist-watch state of insuring is to be in danger, refusal can be exported at this time insure and mention
Show information to terminal to be alerted.
In one embodiment, when receiving robber damage danger inquiry instruction of the terminal for end article, information server
It can also inquire on block chain and whether record the dangerous information of robber's damage of the end article；The mesh has been recorded on block chain when inquiring
When the robber for marking commodity damages dangerous information, the robber that information server exports the end article damages dangerous information to the terminal.Wherein, which damages
Dangerous inquiry instruction may include end article mark.
In a kind of optional embodiment, information server can also work as the robber for receiving terminal and being directed to end article
When the Claims Resolution application of damage danger, inquire the end article recorded on block chain robber damage dangerous information before, when receiving terminal needle
To the robber of end article damage danger insure apply when, inquire on block chain and whether recorded end article mark；When inquiring block
Recorded on chain the end article mark when, if inquire the corresponding target of the end article insure state be in danger, it is defeated
Refusal insures prompt information to the terminal out.When inquire do not recorded on block chain the end article mark when, however, it is determined that the mesh
Mark commodity are insured success, then the robber of the end article are damaged dangerous information and block chain is written.
As it can be seen that server can damage danger Claims Resolution when receiving robber of the terminal for end article in embodiment shown in Fig. 2
When application, the robber that information server can inquire the end article recorded on block chain damages dangerous information；When the robber damages danger letter
The target safety position that breath includes is when being in danger, and information server can export refusal Claims Resolution prompt information to the terminal；When
It is when having insured that the robber, which damages the target safety position that dangerous information includes, and information server can be according to the target insurance details to this
End article carries out Claims Resolution processing, and registering the target safety position on block chain is to be in danger；When receiving target quotient
The robbers of product damages danger and insures when applying, end article mark and the corresponding mesh of the end article have been recorded on block chain if inquiring
Mark insures state to be in danger, then exports refusal and insure prompt information to terminal, to damage danger letter by the robber for commodity of respectively insuring
Breath is efficiently avoided for insurance frauds behaviors such as the repetition insurance frauds for stealing damage danger.
Referring to Fig. 3, for a kind of network architecture schematic diagram for stealing damage danger Claims Resolution system provided in an embodiment of the present invention.Its
In, which may include: information server 10 (such as corresponding access server of insurance company A), information server 20 (as protected
The corresponding access server of dangerous company B), information server 30 (such as corresponding access server of insurance company B).Wherein, information
Server 10, information server 20, information server 30 are the node device in block chain network, can be based on block link network
Network is communicated.In one embodiment, information server 10, information server 20, information server 30 can pass through installation
Corresponding software (damaging system of insuring as stolen) is to become the node device in block chain network.Information server A, information server
B, information server C can establish based on the block chain for stealing damage danger, damage dangerous information with the robber for sharing multiple commodity of insuring.
It will illustrate that a kind of robber provided in an embodiment of the present invention damages dangerous Claims Resolution method by taking information server 10 as an example below.Tool
Body, terminal 40 can send robber's damage danger Claims Resolution application for end article to information server 10, so that information server
10 can be by executing step S101-S103, to export when determining the corresponding target safety position of end article is to be in danger
Refuse Claims Resolution prompt information to terminal 40；It is corresponding according to the end article when determining target insurance dress state is to have insured
Target insurance details Claims Resolution processing is carried out to the end article, and registering on block chain the target safety position is
Danger efficiently avoids to damage dangerous information by the robber for commodity of respectively insuring for insurance frauds behaviors such as the repetition insurance frauds for stealing damage danger.
Referring to Fig. 4, for a kind of structural schematic diagram for stealing damage danger Claims Resolution device provided in an embodiment of the present invention.Wherein, should
Device can be applied in information server, which is any node equipment in block chain network, the block chain
The robber that each node device in network can be used for recording multiple commodity of insuring damages dangerous information.Specifically, which damages danger Claims Resolution
Device may include:
Processing unit 401, for inquiring block when receiving robber's damage danger Claims Resolution application of the terminal for end article
The robber of the end article recorded on chain damages dangerous information, the robber of the end article damage dangerous information include end article mark,
Target safety position and target insurance details；The target insurance details include insured amount, record of insuring；The block chain is
Damage what dangerous information generated according to the robber of the multiple commodity of insuring；
Communication unit 402, for when the target safety position is to be in danger, output to refuse Claims Resolution prompt information to institute
State terminal；
Processing unit 401 is also used to when the target safety position is to have insured, according to the target insurance details pair
The end article carries out Claims Resolution processing, and registering the target safety position on block chain is to be in danger.
In a kind of optional embodiment, processing unit 401 is also used to as the robber for receiving terminal for end article
Damage danger is insured when applying, is inquired on block chain and whether has been recorded end article mark；When inquire recorded on block chain it is described
When end article identifies, if inquiring the corresponding target of the end article insures state to be in danger, pass through communication unit
402 output refusals insure prompt information to the terminal.
In a kind of optional embodiment, whether processing unit 401 is also used to record on inquiry block chain described
End article mark after, when inquire do not recorded on block chain the end article mark when, however, it is determined that the end article
It insures success, then the robber of the end article is damaged into dangerous information and block chain is written.
In a kind of optional embodiment, processing unit 401 is specifically used for according to the target insurance details and area
The Intelligent target contract recorded on block chain carries out Claims Resolution processing to the end article；Wherein, the Intelligent target contract is needle
The intelligent contract stealing damage and being nearly arranged corresponding to the end article, the Intelligent target contract includes following any one or more
: claim provision, Claims Resolution mode, amount for which loss settled.
In a kind of optional embodiment, the target insurance details include Claims Resolution record.
In a kind of optional embodiment, processing unit 401, be also used to according to the target insurance details to described
After end article carries out Claims Resolution processing, when determine settle a claim successfully to the end article after, obtain Claims Resolution the time with settle a claim
The mark of insurance company；The mark of the Claims Resolution time and the insurance company of the Claims Resolution are registered in the Claims Resolution record.
In a kind of optional embodiment, communication unit 402 is also used to when the target safety position be to have insured
When, output Claims Resolution prompt information to the terminal；The Claims Resolution prompt information is used to indicate according to the target insurance details pair
The end article carries out Claims Resolution processing.
In a kind of optional embodiment, processing unit 401 is also used to that terminal ought be received by communication unit 402
When damaging dangerous inquiry instruction for the robber of end article, inquire whether having recorded the robber of the end article on block chain and damage danger letter
Breath；When inquiring the robber for having recorded the end article on block chain damage danger information, the mesh is exported by communication unit 402
The robber for marking commodity damages dangerous information to the terminal.
As it can be seen that in embodiment shown in Fig. 4, when receiving robber damage danger Claims Resolution application of the terminal for end article, letter
The robber that breath server can inquire the end article recorded on block chain damages dangerous information；When the robber damages the mesh that dangerous information includes
Mark safety position is when being in danger, and information server can export refusal Claims Resolution prompt information to the terminal；When the robber damages danger letter
The target safety position that breath includes is when having insured, information server can according to the target insurance details to the end article into
Row Claims Resolution processing, and registering the target safety position on block chain is to be in danger, so that the robber by commodity of respectively insuring damages danger
Information is efficiently avoided for insurance frauds behaviors such as the repetition insurance frauds for stealing damage danger.
Referring to Fig. 5, being a kind of structural schematic diagram of server provided in an embodiment of the present invention.Described in the present embodiment
Server may include: one or more processors 100, one or more input equipments 200, one or more output equipments
300 and memory 400.Processor 100, input equipment 200, output equipment 300 and memory 400 can be connected by bus.
Input equipment 200, output equipment 300 can be the wired or wireless communication interface of standard.
Processor 100 can be central processing module (Central Processing Unit, CPU), which may be used also
To be other general processors, digital signal processor (Digital Signal Processor, DSP), 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 is also possible to any conventional processor
Deng.
Memory 400 can be high speed RAM memory, can also be non-labile memory (non-volatile
), such as magnetic disk storage memory.Memory 400 is used to store a set of program code, input equipment 200, output equipment 300
The program code stored in memory 400 can be called with processor 100.Specifically:
Processor 100, for working as the dangerous application of settling a claim of robber's damage for receiving terminal for end article by input equipment 200
When, the robber for inquiring the end article recorded on block chain damages dangerous information, and the robber of the end article damages dangerous information and includes
End article mark, target safety position and target insurance details；The target insurance details include insured amount, note of insuring
Record；The block chain is to damage dangerous information according to the robber of the multiple commodity of insuring to generate；When the target safety position is
When being in danger, refusal Claims Resolution prompt information is exported to the terminal by output equipment 300；When the target safety position is to have thrown
When guarantor, Claims Resolution processing is carried out to the end article according to the target insurance details, and the target is registered on block chain
Safety position is to be in danger.
Optionally, processor 100 are also used to when the robber's damage for receiving terminal for end article by input equipment 200
Danger is insured when applying, is inquired on block chain and whether has been recorded end article mark；The mesh has been recorded on block chain when inquiring
When marking commodity sign, if inquiring the corresponding target of the end article insures state to be in danger, pass through output equipment 300
Output refusal insures prompt information to the terminal.
Optionally, processor 100, after being also used to whether record the end article mark on inquiry block chain,
When inquire end article mark is not recorded on block chain when, however, it is determined that the end article is insured success, then will be described
The robber of end article damages dangerous information and block chain is written.
Optionally, processor 100, specifically for according to the target intelligence recorded on the target insurance details and block chain
Energy contract, carries out Claims Resolution processing to the end article；Wherein, the Intelligent target contract is corresponding for the end article
The intelligent contract that is nearly arranged of robber's damage, the Intelligent target contract includes following any one or more: claim provision, Claims Resolution side
Formula, amount for which loss settled.
In a kind of optional embodiment, the target insurance details include Claims Resolution record.
Optionally, processor 100 are also used to carrying out loss department to the end article according to the target insurance details
After reason, after determination settles a claim successfully to the end article, the mark of the insurance company of Claims Resolution time and Claims Resolution is obtained；By institute
The mark for stating the insurance company of Claims Resolution time and the Claims Resolution is registered in the Claims Resolution record.
Optionally, processor 100 are also used to when the target safety position is to have insured, defeated by output equipment 300
Claims Resolution prompt information is to the terminal out；The Claims Resolution prompt information is used to indicate according to the target insurance details to the mesh
Mark commodity carry out Claims Resolution processing.
Optionally, processor 100 are also used to when the robber's damage for receiving terminal for end article by input equipment 200
When dangerous inquiry instruction, the dangerous information of robber's damage that the end article whether has been recorded on block chain inquired；When inquiring on block chain
When having recorded robber's damage danger information of the end article, dangerous information is damaged by the robber that output equipment 300 exports the end article
To the terminal.
In the specific implementation, processor 100 described in the embodiment of the present invention, input equipment 200, output equipment 300 can
Implementation described in Fig. 1 embodiment, Fig. 2 embodiment is executed, implementation described in the embodiment of the present invention also can be performed,
Details are not described herein.
Each functional module in each embodiment of the present invention can integrate in a processing module, be also possible to each
Module physically exists alone, and is also possible to two or more modules and is integrated in a module.Above-mentioned integrated module was both
It can be realized, can also be realized in the form of sampling software functional module in the form of sampling hardware.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
Above disclosed is only a preferred embodiment of the present invention, cannot limit the power of the present invention with this certainly
Sharp range, those skilled in the art can understand all or part of the processes for realizing the above embodiment, and weighs according to the present invention
Benefit requires made equivalent variations, still belongs to the scope covered by the invention.
Claims (10)
1. a kind of robber damages danger Claims Resolution method, it is applied to information server, which is characterized in that the information server is block link network
Any node equipment in network, the robber that each node device in the block chain network is used to record multiple commodity of insuring damage danger
Information；The described method includes:
When receiving robber damage danger Claims Resolution application of the terminal for end article, the target quotient recorded on block chain is inquired
The robber of product damages dangerous information, and it includes that end article mark, target safety position and target are protected that the robber of the end article, which damages dangerous information,
Dangerous details；The target insurance details include insured amount, record of insuring；The block chain is according to the multiple commodity of insuring
Robber damage what dangerous information generated；
When the target safety position is to be in danger, output refusal Claims Resolution prompt information to the terminal；
When the target safety position is to have insured, loss department is carried out to the end article according to the target insurance details
Reason, and registering the target safety position on block chain is to be in danger.
2. the method according to claim 1, wherein the method also includes:
When receive terminal for end article robber damage danger insure apply when, inquire block chain on whether recorded end article
Mark；
When inquire end article mark has been recorded on block chain when, thrown if inquiring the corresponding target of the end article
Guarantor's state is to be in danger, then exports refusal and insure prompt information to the terminal.
3. according to the method described in claim 2, it is characterized in that, whether having recorded the target quotient on the inquiry block chain
After product mark, the method also includes:
When inquire end article mark is not recorded on block chain when, however, it is determined that the end article is insured success, then will
The robber of the end article damages dangerous information and block chain is written.
4. method according to claim 1 to 3, which is characterized in that described according to the target insurance details pair
The end article carries out Claims Resolution processing, comprising:
According to the Intelligent target contract recorded on the target insurance details and block chain, settle a claim to the end article
Processing；
Wherein, the Intelligent target contract is the intelligent contract stealing damage and being nearly arranged corresponding for the end article, the mesh
It includes following any one or more for marking intelligent contract: claim provision, Claims Resolution mode, amount for which loss settled.
5. according to the method described in claim 4, it is characterized in that, the target insurance details include Claims Resolution record, according to institute
It states after target insurance details carry out Claims Resolution processing to the end article, the method also includes:
After determination settles a claim successfully to the end article, the mark of the insurance company of Claims Resolution time and Claims Resolution is obtained；
The mark of the Claims Resolution time and the insurance company of the Claims Resolution are registered in the Claims Resolution record.
6. the method according to claim 1, wherein the method also includes:
When the target safety position is to have insured, output Claims Resolution prompt information to the terminal；The Claims Resolution prompt information
It is used to indicate and Claims Resolution processing is carried out to the end article according to the target insurance details.
7. the method according to claim 1, wherein the method also includes:
When receiving robber damage danger inquiry instruction of the terminal for end article, inquire on block chain whether recorded the target
The robber of commodity damages dangerous information；
When inquiring the robber for having recorded the end article on block chain damage danger information, the robber for exporting the end article damages danger
Information is to the terminal.
8. a kind of robber damages danger Claims Resolution device, it is applied to information server, which is characterized in that the information server is block link network
Any node equipment in network, the robber that each node device in the block chain network is used to record multiple commodity of insuring damage danger
Information；Described device includes:
Processing unit, for inquiring and remembering on block chain when receiving robber's damage danger Claims Resolution application of the terminal for end article
The dangerous information of robber's damage of the end article of record, it includes end article mark, target guarantor that the robber of the end article, which damages dangerous information,
Dangerous state and target insurance details；The target insurance details include insured amount, record of insuring；The block chain is according to institute
The robber for stating multiple commodity of insuring damages what dangerous information generated；
Communication unit, for when the target safety position is to be in danger, output to refuse Claims Resolution prompt information to the terminal；
The processing unit is also used to when the target safety position is to have insured, according to the target insurance details to institute
It states end article and carries out Claims Resolution processing, and registering the target safety position on block chain is to be in danger.
9. a kind of server, which is characterized in that including processor, input equipment, output equipment and memory, the processor,
Input equipment, output equipment and memory are connected with each other, wherein the memory is for storing computer program, the calculating
Machine program includes program instruction, and the processor is configured for calling described program instruction, is executed as claim 1-7 is any
Method described in.
10. a kind of computer readable storage medium, which is characterized in that the computer storage medium is stored with computer program,
The computer program includes program instruction, and described program instruction makes the processor execute such as right when being executed by a processor
It is required that the described in any item methods of 1-7.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811250323.0A CN109447829A (en) | 2018-10-25 | 2018-10-25 | A kind of robber's damage danger Claims Resolution method, apparatus, server and medium |
| PCT/CN2018/123885 WO2020082583A1 (en) | 2018-10-25 | 2018-12-26 | Theft and damage insurance claim method and apparatus, and server and medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811250323.0A CN109447829A (en) | 2018-10-25 | 2018-10-25 | A kind of robber's damage danger Claims Resolution method, apparatus, server and medium |
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| CN109447829A true CN109447829A (en) | 2019-03-08 |
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| CN201811250323.0A Pending CN109447829A (en) | 2018-10-25 | 2018-10-25 | A kind of robber's damage danger Claims Resolution method, apparatus, server and medium |
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| CN (1) | CN109447829A (en) |
| WO (1) | WO2020082583A1 (en) |
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| US11941576B2 (en) | 2019-04-02 | 2024-03-26 | Cary C Pappas | Providing restitution when an unattended package is damaged by improper storage or inclement weather |
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