CN110706120A - Claims settlement method and related device - Google Patents
Claims settlement method and related device Download PDFInfo
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- CN110706120A CN110706120A CN201910931331.XA CN201910931331A CN110706120A CN 110706120 A CN110706120 A CN 110706120A CN 201910931331 A CN201910931331 A CN 201910931331A CN 110706120 A CN110706120 A CN 110706120A
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Abstract
The application discloses a claim settlement method and a related device. The method comprises the following steps: acquiring damage information; receiving damage identification information; and if the damage information and the damage identification information accord with preset standards, triggering an intelligent contract. By implementing the application, the block chain trusted device can be used for carrying out insurance claim settlement on a single vehicle part, and meanwhile, the insurance claim settlement is automatically completed based on an intelligent contract, so that the efficiency of the insurance claim settlement is improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for claim settlement.
Background
With the continuous development of economy and the continuous improvement of living standard, automobiles gradually enter thousands of households. When people use vehicles, vehicle faults or traffic accidents happen inevitably. To amortize the losses caused by accidents, more and more people choose to buy car insurance. At present, vehicle insurance claims are difficult to settle liability, and it is difficult to settle claims on single vehicle components.
Disclosure of Invention
The application provides a claim settlement method and a related device, which can utilize block chain trusted equipment to carry out insurance claim settlement on a single vehicle part, and meanwhile, the insurance claim settlement is automatically completed based on an intelligent contract, so that the efficiency of the insurance claim settlement is improved.
In a first aspect, the present application provides a method for claim settlement, applied to a server, the method including:
acquiring damage information, wherein the damage information comprises a vehicle fault code;
receiving damage identification information, wherein the damage identification information is used for judging whether the vehicle damage corresponding to the vehicle fault code is normal damage or not;
and if the damage information and the damage identification information accord with preset standards, triggering an intelligent contract, wherein the intelligent contract is used for delivering the claim settlement money.
In a possible implementation manner, if the damage information and the damage identification information meet a preset standard, triggering an intelligent contract includes:
judging whether the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim or not;
judging whether the vehicle damage is normal damage or not according to the damage identification information;
and if the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim and the damage of the vehicle is normal damage, triggering an intelligent contract.
In a possible implementation manner, before the obtaining the damage information, the method further includes:
receiving insurance claim settlement information;
and generating an intelligent contract according to the insurance claim settlement information.
In one possible implementation, the method further includes:
and if the damage information or the damage identification information does not meet the preset standard, sending prompt information, wherein the prompt information is used for prompting a user that insurance claims cannot be settled.
In a second aspect, the present application provides a claim settlement method, which is applied to a terminal device, and the method includes:
receiving a detection instruction, wherein the detection instruction is used for indicating that a target vehicle is detected;
detecting the target vehicle and generating a vehicle fault code;
and sending damage information of the target vehicle, wherein the damage information comprises a vehicle fault code.
In a possible implementation manner, before receiving the detection instruction, the method further includes:
receiving a trusted inquiry request, wherein the trusted inquiry request is used for inquiring whether an information provider passes trusted authentication or not;
sending a trusted attestation, the trusted attestation being used to attest that the trusted attestation has passed the trusted attestation.
In a third aspect, the present application provides a claim settlement apparatus, comprising:
an acquisition unit configured to acquire damage information including a vehicle fault code;
the first receiving unit is used for receiving damage identification information, and the damage identification information is used for judging whether the vehicle damage corresponding to the vehicle fault code is normal damage or not;
and the triggering unit is used for triggering an intelligent contract if the damage information and the damage identification information accord with a preset standard, and the intelligent contract is used for delivering the claim settlement.
In a possible implementation manner, the triggering unit is specifically configured to determine whether a vehicle damage corresponding to the vehicle fault code is within a claim range; judging whether the vehicle damage is normal damage or not according to the damage identification information; and if the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim and the damage of the vehicle is normal damage, triggering an intelligent contract.
In one possible implementation, the apparatus further includes:
the second receiving unit is used for receiving insurance claim settlement information;
and the generating unit is used for generating the intelligent contract according to the insurance claim settlement information.
In one possible implementation, the apparatus further includes:
and the sending unit is used for sending prompt information if the damage information or the damage identification information does not accord with a preset standard, wherein the prompt information is used for prompting a user that insurance claims cannot be settled.
In a fourth aspect, the present application provides a claim filing apparatus, comprising:
a first receiving unit, configured to receive a detection instruction, where the detection instruction is used to instruct detection of a target vehicle;
the detection unit is used for detecting the target vehicle and generating a vehicle fault code;
and the first sending unit is used for sending damage information of the target vehicle, and the damage information comprises a vehicle fault code.
In one possible implementation, the apparatus further includes:
the second receiving unit is used for receiving a credible inquiry request, and the credible inquiry request is used for inquiring whether the information provider passes credible authentication or not;
and the second sending unit is used for sending the credible certificate which is used for proving that the credible certificate passes the credible authentication.
In a fifth aspect, the present application provides a server, comprising: a transceiver, a processor, and a memory; the transceiver, the processor and the memory are connected to each other by a bus; wherein the memory is configured to store a computer program comprising program instructions, and the processor is configured to invoke the program instructions to perform the method as set forth in the first aspect.
In a sixth aspect, the present application provides a terminal device, including: a transceiver, a processor, and a memory; the transceiver, the processor and the memory are connected to each other by a bus; wherein the memory is used for storing a computer program comprising program instructions, and the processor is configured for calling the program instructions to execute the method as set forth in the second aspect.
In a seventh aspect, the present application proposes a computer-readable storage medium storing a computer program comprising program instructions which, when executed by a processor, cause the processor to perform the method according to the aspects presented.
In an eighth aspect, the present application provides a computer program product containing program instructions, which when run on a computer, causes the computer to perform the method according to the described aspects.
By implementing the application, the block chain trusted device can be used for carrying out insurance claim settlement on a single vehicle part, and meanwhile, the insurance claim settlement is automatically completed based on an intelligent contract, so that the efficiency of the insurance claim settlement is improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments or the background art of the present application, the drawings required to be used in the embodiments or the background art of the present application will be described below.
FIG. 1 is a flow chart of a method of claim settlement as set forth in the present application;
FIG. 2 is a flow chart of another method of claim settlement proposed by the present application;
fig. 3 is a flowchart of a specific application scenario of a claim settlement method proposed in the present application;
FIG. 4 is a flow chart of another method of claim settlement proposed by the present application;
FIG. 5 is a flow chart of another method of claim settlement proposed by the present application;
FIG. 6 is a flow chart of another application scenario of the claimed method;
FIG. 7 is a schematic diagram of an apparatus for claim settlement according to the present application;
FIG. 8 is a schematic structural diagram of another on-board diagnostic apparatus proposed in the present application;
fig. 9 is a schematic structural diagram of another server proposed in the present application;
fig. 10 is a schematic structural diagram of another terminal device proposed in the present application.
Detailed Description
The terms "first," "second," and the like in the description and claims of the present application and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, or apparatus.
The existing vehicle insurance claims are difficult to determine responsibility, and the claims are difficult to be settled on a single vehicle part.
Fig. 1 is a flow chart of a method of claim settlement as set forth in the present application, the method comprising:
101. and acquiring damage information.
Specifically, when the claim settlement device receives insurance claim settlement information of a vehicle owner, a credible inquiry request is sent to vehicle-mounted diagnosis equipment of a damaged vehicle of the vehicle owner, the credible inquiry request is used for inquiring whether the vehicle-mounted diagnosis equipment passes credible authentication, if a credible certificate sent by the vehicle-mounted diagnosis equipment is received, the vehicle-mounted diagnosis equipment is block chain credible equipment, the damage information sent by the vehicle-mounted diagnosis equipment is received, and the damage information can be a vehicle fault code. The vehicle fault code is a fault code which is analyzed and reflected by the vehicle diagnosis equipment after the vehicle has a fault, and maintenance personnel can accurately find out the part with the fault through the vehicle fault code. The claim settlement device may be a server.
102. Damage identification information is received.
Specifically, the claim settlement device can receive damage identification information of a trusted service factory, and the damage identification information is used for judging whether the vehicle damage corresponding to the vehicle fault code is normal damage or not. The damage to the vehicle may be due to a normal failure of the vehicle or may be due to deliberate human damage.
103. And if the damage information and the damage identification information accord with preset standards, triggering an intelligent contract.
Specifically, analyzing the received damage information to obtain a vehicle fault code, acquiring a corresponding damaged vehicle component through the vehicle fault code, inquiring whether the vehicle component is within the protection range of insurance, and if the vehicle component is within the protection range of insurance and the damage identification information shows that the damage of the vehicle component is normal damage, triggering an intelligent contract and transferring the claim settlement money to a maintenance factory account.
By implementing the embodiment of the application, the insurance claim settlement can be carried out on a single vehicle part by using the block chain trusted device, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the insurance claim settlement efficiency is improved.
Fig. 2 is a flow chart of another method for claim settlement proposed by the present application, the method comprising the following:
201. the claim settlement device receives insurance claim settlement information.
Specifically, insurance claim information negotiated with the vehicle owner is received, and the insurance claim information can be the range of insurance claims, insurance responsibility and the amount of claims. The insurance claim information is recorded on the block chain.
202. And generating an intelligent contract according to the insurance claim settlement information.
Specifically, an intelligent contract is generated according to the insurance claim settlement information, and the intelligent contract is issued on the block chain.
203. And acquiring damage information.
Specifically, when the claim settlement device receives insurance claim settlement information of a vehicle owner, a credible inquiry request is sent to vehicle-mounted diagnosis equipment of a damaged vehicle of the vehicle owner, the credible inquiry request is used for inquiring whether the vehicle-mounted diagnosis equipment passes credible authentication, if a credible certificate sent by the vehicle-mounted diagnosis equipment is received, the vehicle-mounted diagnosis equipment is block chain credible equipment, the damage information sent by the vehicle-mounted diagnosis equipment is received, and the damage information can be a vehicle fault code. The vehicle fault code is a fault code which is analyzed and reflected by the vehicle diagnosis equipment after the vehicle has a fault, and maintenance personnel can accurately find out the part with the fault through the vehicle fault code.
204. Damage identification information is received.
Specifically, the claim settlement device can receive damage identification information of a trusted service factory, and the damage identification information is used for judging whether the vehicle damage corresponding to the vehicle fault code is normal damage or not. The damage to the vehicle may be due to a normal failure of the vehicle or may be due to deliberate human damage.
205. And judging whether the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim.
Specifically, the received damage information is analyzed to obtain a vehicle fault code, a damaged vehicle part corresponding to the vehicle fault code is obtained through database query, an intelligent contract signed with the vehicle owner is called, and whether the vehicle part is within the protection range of the intelligent contract or not is queried.
206. And judging whether the vehicle damage is normal damage or not according to the damage identification information.
Specifically, the received damage identification information is analyzed, the identification information is provided by a trusted maintenance factory, the identification information describes the cause of the damage of the vehicle component, the claim settlement device judges whether the damage of the vehicle component is normal damage or artificial intentional damage according to the cause of the damage of the vehicle component, and if the damage of the vehicle component is artificial intentional damage, the damage of the vehicle component is possibly the action taken by a vehicle owner for intentional cheating.
207. And if the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim and the damage of the vehicle is normal damage, triggering an intelligent contract.
Specifically, if the damage of the vehicle corresponding to the vehicle fault code is within the claim settlement range and the damage of the vehicle component is normal according to the damage identification information, the condition of the claim settlement is met, the claim settlement device triggers an intelligent contract, and corresponding claim settlement money is transferred to an account of a maintenance factory.
208. And if the damage information or the damage identification information does not accord with the preset standard, sending prompt information.
Specifically, if the damaged vehicle component in the damage information is not within the protection range of the intelligent contract or the damage identification information provided by the trusted maintenance factory shows that the damaged vehicle component is artificially and intentionally damaged, the damage identification information does not meet the claim settlement standard, and the vehicle owner is sent with prompt information, wherein the prompt information is used for prompting that the vehicle owner cannot carry out claim settlement.
By implementing the embodiment of the application, the insurance claim settlement can be carried out on a single vehicle part by using the block chain trusted device, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the insurance claim settlement efficiency is improved.
Fig. 3 is a flowchart of a specific application scenario of a method for claim settlement, where the method includes the following steps:
301. the claim settlement device receives insurance claim settlement information.
For example, receiving the insurance claim information negotiated with the owner of the vehicle, the insurance claim information may be: scope of insurance claims: an engine, a gearbox and a vehicle electronic control unit; insurance responsibility: if the vehicle parts in the insurance claim range are normally damaged, the vehicle owner maintenance cost and the error work cost are paid, and if the vehicle parts in the insurance claim range are not normally damaged, the vehicle parts are not paid.
302. And generating an intelligent contract according to the insurance claim settlement information.
For example, an intelligent contract is generated according to the insurance claim information.
303. And acquiring damage information.
For example, damage information sent by an on-board diagnosis device of a damaged vehicle of a vehicle owner is received, the on-board diagnosis device is a verified trusted device, the damage information may be a vehicle fault code a, and a fault corresponding to the vehicle fault code a is damage of an electronic control unit of the vehicle.
304. Damage identification information is received.
For example, damage identification information of a trusted service factory is received, and the damage identification information can be the cause of damage to the vehicle electronic control unit corresponding to the vehicle fault code a.
305. And judging whether the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim.
For example, an intelligent contract signed with the vehicle owner is extracted, the protection range of the intelligent contract is obtained, and whether the damage of the vehicle electric control unit is in the protection range of the intelligent contract or not is inquired.
306. And judging whether the vehicle damage is normal damage or not according to the damage identification information.
For example, the damage identification information is read, the specific cause of the damage of the vehicle component is extracted, and whether the damage of the vehicle electronic control unit is normal or not is judged.
307. And if the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim and the damage of the vehicle is normal damage, triggering an intelligent contract.
For example, if the vehicle electronic control unit is within the protection range of the intelligent contract and the damage of the vehicle electronic control unit is normal damage, the intelligent contract is triggered, and the corresponding claim settlement is transferred to an account of a maintenance factory.
308. And if the damage information or the damage identification information does not accord with the preset standard, sending prompt information.
For example, if the vehicle electronic control unit is not within the protection range of the intelligent contract or the damage of the vehicle electronic control unit is artificially and intentionally damaged, the vehicle electronic control unit does not conform to the claim settlement standard set by the intelligent contract, and does not claim, and sends prompt information to the vehicle owner, wherein the prompt information is used for informing the vehicle owner that the vehicle owner does not conform to the claim settlement standard and cannot pay.
By implementing the embodiment of the application, the insurance claim settlement can be carried out on a single vehicle part by using the block chain trusted device, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the insurance claim settlement efficiency is improved.
Fig. 4 is a flow chart of another method of claim settlement proposed by the present application, the method comprising:
401. the vehicle-mounted diagnosis device receives the detection instruction.
Specifically, a detection instruction sent by the claim settlement device is received, and the detection instruction is used for indicating that a target vehicle is detected and searching for damaged vehicle components of the target vehicle. If the vehicle-mounted diagnosis equipment of the target vehicle cannot detect the target vehicle, prompt information is sent to the claim settlement device, and the prompt information is used for informing the claim settlement device that the vehicle-mounted diagnosis equipment of the target vehicle cannot complete a detection task and the target vehicle needs to be detected on site manually.
402. And detecting the target vehicle and generating a vehicle fault code.
Specifically, the damage condition of the target vehicle is detected, damaged vehicle components are recorded, and one or more vehicle fault codes are generated. The repair or insurance person can obtain the location of the damaged vehicle component based on the vehicle fault code.
403. And transmitting the damage information of the target vehicle.
Specifically, the damage information of the target vehicle is transmitted, and the damage information can be a vehicle fault code, the time for detecting the vehicle, and the recent maintenance condition of the target vehicle. If the vehicle-mounted diagnosis equipment of the target vehicle does not find the damage condition of the target vehicle, vehicle normal information is sent to the claim settlement device, and the vehicle normal information is used for informing the claim settlement device that the vehicle-mounted diagnosis equipment does not find the damage condition on the target vehicle.
By implementing the embodiment of the application, the insurance claim settlement can be carried out on a single vehicle part by using the block chain trusted device, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the insurance claim settlement efficiency is improved.
Fig. 5 is a flow chart of another method of claim settlement proposed by the present application, the method comprising:
501. the vehicle-mounted diagnostic device receives a trusted inquiry request.
Specifically, a trusted inquiry request is received, and the trusted inquiry request is used for inquiring whether the on-board diagnosis device of the target vehicle passes the trusted authentication or not.
This step is carried out in order to ensure the authenticity of the damaged information of the vehicle component.
502. The vehicle-mounted diagnostic device sends the proof of trust.
Specifically, a trusted certificate for certifying that the on-board diagnostic device of the target vehicle has passed the trusted authentication is transmitted, i.e., the on-board diagnostic device of the target vehicle may be a blockchain trusted device. If the vehicle-mounted diagnosis equipment of the target vehicle cannot provide the credibility certificate, the vehicle-mounted diagnosis equipment is an untrusted equipment, and the claim settlement device refuses to accept the information sent by the vehicle-mounted diagnosis equipment.
503. The vehicle-mounted diagnosis device receives the detection instruction.
Specifically, a detection instruction sent by the claim settlement device is received, and the detection instruction is used for indicating that a target vehicle is detected and searching for damaged vehicle components of the target vehicle. If the vehicle-mounted diagnosis equipment of the target vehicle cannot detect the target vehicle, prompt information is sent to the claim settlement device, and the prompt information is used for informing the claim settlement device that the vehicle-mounted diagnosis equipment of the target vehicle cannot complete a detection task and the target vehicle needs to be detected on site manually.
504. The vehicle-mounted diagnosis equipment detects the target vehicle and generates a vehicle fault code.
Specifically, the damage condition of the target vehicle is detected, damaged vehicle components are recorded, and one or more vehicle fault codes are generated. The repair or insurance person can obtain the location of the damaged vehicle component based on the vehicle fault code.
505. The vehicle-mounted diagnosis device transmits the damage information of the target vehicle.
Specifically, the damage condition of the target vehicle is detected, damaged vehicle components are recorded, and one or more vehicle fault codes are generated. The repair or insurance person can obtain the location of the damaged vehicle component based on the vehicle fault code.
By implementing the embodiment of the application, the insurance claim settlement can be carried out on a single vehicle part by using the block chain trusted device, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the insurance claim settlement efficiency is improved.
Fig. 6 is a flowchart of a specific application scenario of another claim settlement method proposed in the present application, where the method includes the following steps:
601. the vehicle-mounted diagnostic device receives a trusted inquiry request.
For example, the on-board diagnosis device of the target vehicle receives a trusted inquiry request sent by the claim settlement device, and the trusted inquiry request is used for inquiring whether the on-board diagnosis device passes trusted authentication or not.
602. And sending the credible certificate.
For example, the on-board diagnostic device of the target vehicle sends the trusted certificate, which may be a device code of the on-board diagnostic device or a password agreed upon when the smart contract is signed.
603. A detection instruction is received.
For example, if the claim settlement device receives the credibility certificate sent by the on-board diagnosis device and confirms that the on-board diagnosis device is the credible device, the on-board diagnosis device receives a detection instruction sent by the claim settlement device, and the detection instruction instructs the on-board diagnosis device to detect the damaged vehicle component of the target vehicle.
604. And detecting the target vehicle and generating a vehicle fault code.
For example, the vehicle-mounted diagnostic device detects the target vehicle, detects that a vehicle electronic control unit of the target vehicle has a fault, and generates a vehicle fault code corresponding to the vehicle electronic control unit.
605. And transmitting the damage information of the target vehicle.
For example, the on-board diagnostic device sends a vehicle fault code of the vehicle electronic control unit to a claim settlement device.
By implementing the embodiment of the application, the insurance claim settlement can be carried out on a single vehicle part by using the block chain trusted device, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the insurance claim settlement efficiency is improved.
Fig. 7 is a schematic structural diagram of an apparatus for claim settlement, the apparatus comprising:
an obtaining unit 701, configured to obtain damage information, where the damage information includes a vehicle fault code;
a first receiving unit 702, configured to receive damage identification information, where the damage identification information is used to determine whether a vehicle damage corresponding to the vehicle fault code is a normal damage;
a triggering unit 703, configured to trigger an intelligent contract if the damage information and the damage identification information meet a preset standard, where the intelligent contract is used to deliver claim settlement.
Further, the triggering unit 703 is specifically configured to determine whether the damage to the vehicle corresponding to the vehicle fault code is within the range of the claim; judging whether the damage of the vehicle is normal damage or not according to the damage identification information; and if the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim and the damage of the vehicle is normal damage, triggering an intelligent contract.
Further, the above apparatus further comprises:
a second receiving unit 704, configured to receive insurance claim settlement information;
the generating unit 705 is configured to generate an intelligent contract according to the insurance claim settlement information.
Further, the above apparatus further comprises:
a sending unit 706, configured to send a prompt message if the damage information or the damage identification information does not meet a preset standard, where the prompt message is used to prompt a user that insurance claims cannot be settled.
It is understood that the specific implementation of the claim settling device shown in fig. 7 can also refer to the methods shown in fig. 1, fig. 2 and fig. 3, and the detailed description is omitted here.
In the embodiment of the present application, the obtaining unit 701 obtains damage information, where the damage information includes a vehicle fault code; the first receiving unit 702 receives damage identification information, which is used to determine whether the vehicle damage corresponding to the vehicle fault code is normal damage; if the damage information and the damage identification information meet a preset standard, the triggering unit 703 triggers an intelligent contract, and the intelligent contract is used for delivering claim settlement. Therefore, the method and the device can utilize the block chain trusted device to carry out insurance claim settlement on a single vehicle part, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the efficiency of the insurance claim settlement is improved.
Fig. 8 is a schematic structural diagram of another on-board diagnostic device proposed in the present application, where the device includes:
a first receiving unit 801 configured to receive a detection instruction that instructs detection of a target vehicle;
a detection unit 802, configured to detect the target vehicle and generate a vehicle fault code;
a first sending unit 803, configured to send damage information of the target vehicle, where the damage information includes a vehicle fault code.
Further, the above apparatus further comprises:
a second receiving unit 804, configured to receive a trusted query request, where the trusted query request is used to query whether an information provider passes trusted authentication;
a second sending unit 805, configured to send a trusted certificate, where the trusted certificate is used to prove that the trusted certificate has passed the trusted authentication.
It can be understood that the specific implementation of the claim settling device shown in fig. 8 can also refer to the methods shown in fig. 4, 5 and 6, and the detailed description is omitted here.
In the embodiment of the present application, the first receiving unit 801 receives a detection instruction for instructing detection of a target vehicle; the detection unit 802 detects the target vehicle and generates a vehicle fault code; the first transmitting unit 803 transmits damage information of the target vehicle, which includes a vehicle fault code. Therefore, the method and the device can utilize the block chain trusted device to carry out insurance claim settlement on a single vehicle part, and meanwhile, the insurance claim settlement is automatically completed based on the intelligent contract, so that the efficiency of the insurance claim settlement is improved.
Referring to fig. 9, fig. 9 is a schematic structural diagram of a server according to an embodiment of the present application, where the server includes: at least one processor 901, such as a Central Processing Unit (CPU), at least one memory 902, at least one transceiver 903, and at least one bus 904. The bus 904 may be a set of parallel data lines for interconnecting the processor 901, the memory 902 and the transceiver 903; the memory 902 may be a Random Access Memory (RAM) or a non-volatile memory (ROM), such as at least one Read Only Memory (ROM). The server may be the claim settlement device described above.
Specifically, the transceiver 903 acquires damage information, where the damage information includes a vehicle fault code; the transceiver 903 receives damage identification information, where the damage identification information is used to determine whether a vehicle damage corresponding to the vehicle fault code is a normal damage; if the damage information and the damage identification information meet the preset standard, the processor 901 triggers an intelligent contract, and the intelligent contract is used for delivering the claim settlement.
Further, the processor 901 determines whether the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim; the processor 901 determines whether the vehicle damage is normal damage according to the damage identification information; if the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim and the damage of the vehicle is normal damage, the processor 901 triggers an intelligent contract.
Further, the transceiver 903 receives insurance claim settlement information; the processor 901 generates an intelligent contract according to the insurance claim settlement information.
Further, if the damage information or the damage identification information does not meet a preset standard, the transceiver 903 sends a prompt message to prompt the user that insurance claims cannot be settled.
In particular, the memory 902 may store program instructions, and the processor 901 may be configured to call the program instructions to execute the methods shown in fig. 1, fig. 2, and fig. 3.
Referring to fig. 10, fig. 10 is a schematic structural diagram of a terminal device according to an embodiment of the present application, where the terminal device includes: at least one processor 1001, such as a Central Processing Unit (CPU), at least one memory 1002, at least one transceiver 1003 and at least one bus 1004. The bus 1004 may be a set of parallel data lines for interconnecting the processor 1001, the memory 1002, and the transceiver 1003; the memory 1002 may be a Random Access Memory (RAM) or a non-volatile memory (ROM), such as at least one Read Only Memory (ROM). The terminal device may be the above-described on-board diagnostic device.
Specifically, the transceiver 1003 receives a detection instruction, where the detection instruction is used to instruct to detect a target vehicle; the processor 1001 detects the target vehicle and generates a vehicle fault code; the transceiver 1003 transmits damage information of the target vehicle, which includes a vehicle fault code.
Further, the transceiver 1003 receives a trusted query request, where the trusted query request is used to query whether the information provider passes trusted authentication; the transceiver 1003 transmits a certificate of authenticity for certifying that the certificate of authenticity has been authenticated.
Specifically, the memory 1002 may store program instructions, and the processor 1001 may be configured to call the program instructions to execute the methods shown in fig. 4, 5, and 6.
Those skilled in the art will appreciate that all or part of the steps in the various methods of the above embodiments may be implemented by a program instructing associated hardware, the program may be stored in a computer-readable storage medium, which includes read-only memory (ROM), Random Access Memory (RAM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), one-time programmable read-only memory (OTPROM), electrically erasable programmable read-only memory (EEPROM), a compact disc read-only memory (CD-ROM) or other optical disk storage, magnetic disk storage, tape storage, or any other medium readable by a computer that can be used to carry or store data.
The method for claim settlement and the related device disclosed in the embodiments of the present application are described in detail above, and the principle and the implementation of the present application are explained herein by applying specific examples, and the description of the embodiments above is only used to help understand the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, the specific embodiments and the application range may be changed. In view of the above, the description should not be taken as limiting the application.
Claims (10)
1. A method for claim settlement, applied to a server, the method comprising:
acquiring damage information, wherein the damage information comprises a vehicle fault code;
receiving damage identification information, wherein the damage identification information is used for judging whether the vehicle damage corresponding to the vehicle fault code is normal damage or not;
and if the damage information and the damage identification information accord with preset standards, triggering an intelligent contract, wherein the intelligent contract is used for delivering the claim settlement money.
2. The method of claim 1, wherein triggering an intelligent contract if the damage information and the damage-identification information meet a preset criterion comprises:
judging whether the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim or not;
judging whether the vehicle damage is normal damage or not according to the damage identification information;
and if the damage of the vehicle corresponding to the vehicle fault code is within the range of the claim and the damage of the vehicle is normal damage, triggering an intelligent contract.
3. The method according to claim 1 or 2, wherein before the obtaining the damage information, further comprising:
receiving insurance claim settlement information;
and generating an intelligent contract according to the insurance claim settlement information.
4. The method of claim 1, further comprising:
and if the damage information or the damage identification information does not meet the preset standard, sending prompt information, wherein the prompt information is used for prompting a user that insurance claims cannot be settled.
5. A claim settlement method is applied to terminal equipment, and the method comprises the following steps:
receiving a detection instruction, wherein the detection instruction is used for indicating that a target vehicle is detected;
detecting the target vehicle and generating a vehicle fault code;
and sending damage information of the target vehicle, wherein the damage information comprises a vehicle fault code.
6. The method of claim 5, wherein prior to receiving the detection instruction, the method further comprises:
receiving a trusted inquiry request, wherein the trusted inquiry request is used for inquiring whether an information provider passes trusted authentication or not;
sending a trusted attestation, the trusted attestation being used to attest that the trusted attestation has passed the trusted attestation.
7. The claim settlement device is applied to a server and comprises:
an acquisition unit configured to acquire damage information including a vehicle fault code;
the first receiving unit is used for receiving damage identification information, and the damage identification information is used for judging whether the vehicle damage corresponding to the vehicle fault code is normal damage or not;
and the triggering unit is used for triggering an intelligent contract if the damage information and the damage identification information accord with a preset standard, and the intelligent contract is used for delivering the claim settlement.
8. The claim settlement device is applied to terminal equipment and comprises:
the device comprises a receiving unit, a detecting unit and a judging unit, wherein the receiving unit is used for receiving a detection instruction which is used for indicating the detection of a target vehicle;
the detection unit is used for detecting the target vehicle and generating a vehicle fault code;
and the sending unit is used for sending damage information of the target vehicle, and the damage information comprises a vehicle fault code.
9. A server comprising a processor, a memory, and a transceiver; the processor, the memory and the transceiver are connected to each other by a bus; wherein the memory is for storing a computer program comprising program instructions, the processor being configured for invoking the program instructions for performing the method of any of claims 1 to 4.
10. A terminal device comprising a processor, a memory and a transceiver; the processor, the memory and the transceiver are connected to each other by a bus; wherein the memory is for storing a computer program comprising program instructions, the processor being configured for invoking the program instructions for performing the method of any of claims 5 to 6.
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| CN201910931331.XA CN110706120A (en) | 2019-09-27 | 2019-09-27 | Claims settlement method and related device |
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| CN201910931331.XA CN110706120A (en) | 2019-09-27 | 2019-09-27 | Claims settlement method and related device |
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| CN108776936A (en) * | 2018-06-05 | 2018-11-09 | 中国平安人寿保险股份有限公司 | Settlement of insurance claim method, apparatus, computer equipment and storage medium |
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