CN112070619A

CN112070619A - Vehicle insurance management method and device based on block chain

Info

Publication number: CN112070619A
Application number: CN202011255964.2A
Authority: CN
Inventors: 程龙; 李艳鹏; 王童晨
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-11-11
Filing date: 2020-11-11
Publication date: 2020-12-11

Abstract

The specification provides a vehicle insurance management method based on a block chain, which is applied to a vehicle management platform, wherein the block chain comprises vehicle nodes and insurance company nodes, and the method comprises the following steps: receiving original dynamic parameters sent by an insurance vehicle; the original dynamic parameters comprise at least one of working parameters of a driving component and working parameters of a driving auxiliary function; generating dynamic characteristic data of the insurance vehicle by adopting the received original dynamic parameters, and submitting the dynamic characteristic data to a block chain for storage through vehicle nodes; after receiving the dynamic parameter request of the insurance vehicle from the insurance company platform, obtaining the dynamic parameter of the vehicle according to the dynamic characteristic data of the insurance vehicle stored in the block chain, and sending the dynamic parameter to the insurance company platform, so that the insurance company platform judges accident responsibility according to the dynamic parameter of the vehicle after verifying the dynamic parameter of the vehicle by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node.

Description

Vehicle insurance management method and device based on block chain

Technical Field

The present disclosure relates to the field of network communication technologies, and in particular, to a vehicle insurance management method and apparatus based on a block chain.

Background

The block chain can be regarded as a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence, and is a distributed account book which is guaranteed to be not falsifiable and counterfeitable in a cryptographic mode. And the block chain stores, verifies, transmits and communicates network data through self distributed nodes.

The characteristics of non-falsification and non-forgery of stored data enable the block chain technology to be very suitable for application in the automobile insurance industry. Particularly, in the insurance accident liability judgment, the data stored in the block chain can be taken as a powerful evidence of the fact, so that a solid foundation is provided for the judgment result, the insurance fraud is favorably avoided, and the trust degree of all parties involved in the accident on the judgment result is also improved. With the technology development of motor vehicles, how to further improve the accuracy of accident responsibility judgment becomes an urgent problem to be solved in the motor vehicle insurance industry.

Disclosure of Invention

In view of the above, the present specification provides a vehicle insurance management method based on a block chain, which is applied on a vehicle management platform, where the block chain includes a vehicle node and an insurance company node, and the method includes:

receiving original dynamic parameters sent by an insurance vehicle; the original dynamic parameters comprise at least one of working parameters of a driving component and working parameters of a driving auxiliary function;

generating dynamic characteristic data of the insurance vehicle by adopting the received original dynamic parameters, and submitting the dynamic characteristic data to a block chain for storage through vehicle nodes;

after receiving the dynamic parameter request of the insurance vehicle from the insurance company platform, obtaining the dynamic parameter of the vehicle according to the dynamic characteristic data of the insurance vehicle stored in the block chain, and sending the dynamic parameter to the insurance company platform, so that the insurance company platform judges accident responsibility according to the dynamic parameter of the vehicle after verifying the dynamic parameter of the vehicle by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node.

The vehicle insurance management method based on the block chain provided by the specification is applied to insurance vehicles, the block chain comprises vehicle nodes and insurance company nodes, and the method comprises the following steps:

the original dynamic parameters of the vehicle are sent to the vehicle management platform, so that the vehicle management platform generates dynamic characteristic data and submits the dynamic characteristic data to a block chain for storage through vehicle nodes; the original dynamic parameters comprise at least one of working parameters of a driving component and working parameters of a driving auxiliary function;

after an accident occurs, a claim settlement request is sent to an insurance company platform so that the insurance company platform can obtain vehicle dynamic parameters of the vehicle from a vehicle management platform, and after the vehicle dynamic parameters are verified by adopting dynamic characteristic data of the vehicle in a block chain obtained through insurance company nodes, accident liability is judged according to the vehicle dynamic parameters.

The block chain-based vehicle insurance management method provided by the specification is applied to an insurance company platform, wherein the insurance company platform is connected to a block chain through insurance company nodes, the block chain further comprises vehicle nodes connected with the vehicle management platform, dynamic characteristic data of an insured vehicle are stored in the block chain, the dynamic characteristic data are generated by the vehicle management platform according to original dynamic parameters sent by the insured vehicle and are uploaded to the block chain for storage through the vehicle nodes, and the original dynamic parameters comprise at least one of working parameters of a running part and working parameters of a running auxiliary function; the method comprises the following steps:

receiving a claim settlement request of an insurance vehicle from the insurance vehicle or a vehicle owner terminal of the insurance vehicle;

sending a dynamic parameter request of the insurance vehicle to a vehicle management platform, and receiving a vehicle dynamic parameter returned by the vehicle management platform; the vehicle dynamic parameters are obtained by a vehicle management platform according to the dynamic characteristic data of the insurance vehicle stored in the block chain;

and verifying the dynamic parameters of the vehicles by adopting the dynamic characteristic data of the insured vehicles in the block chain obtained by the insurance company node, and judging accident responsibilities according to the dynamic parameters of the vehicles after the verification is passed.

The present specification further provides a vehicle insurance management apparatus based on a block chain, which is applied to a vehicle management platform, wherein the block chain includes vehicle nodes and insurance company nodes, and the apparatus includes:

the original parameter receiving unit is used for receiving original dynamic parameters sent by the insurance vehicle; the original dynamic parameters comprise at least one of working parameters of a driving component and working parameters of a driving auxiliary function;

the characteristic data storage unit is used for generating dynamic characteristic data of the insurance vehicle by adopting the received original dynamic parameters and submitting the dynamic characteristic data to a block chain for storage through vehicle nodes;

and the dynamic parameter recovery unit is used for obtaining a vehicle dynamic parameter according to the dynamic characteristic data of the insurance vehicle stored in the block chain after receiving the dynamic parameter request of the insurance vehicle from the insurance company platform, and sending the vehicle dynamic parameter to the insurance company platform, so that the insurance company platform judges accident responsibility according to the vehicle dynamic parameter after verifying the vehicle dynamic parameter by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node.

The vehicle insurance management device based on the block chain provided by the specification is applied to insurance vehicles, the block chain comprises vehicle nodes and insurance company nodes, and the device comprises:

the original parameter sending unit is used for sending original dynamic parameters of the vehicle to the vehicle management platform, so that the vehicle management platform can generate dynamic characteristic data and submit the dynamic characteristic data to the block chain for storage through vehicle nodes; the original dynamic parameters comprise at least one of working parameters of a driving component and working parameters of a driving auxiliary function;

and the claim settlement request sending unit is used for sending a claim settlement request to the insurance company platform after an accident occurs so that the insurance company platform can obtain the vehicle dynamic parameters of the vehicle from the vehicle management platform, and after the vehicle dynamic parameters are verified by adopting the dynamic characteristic data of the vehicle in the block chain obtained by the insurance company node, the accident responsibility is judged according to the vehicle dynamic parameters.

The vehicle insurance management device based on the block chain is applied to an insurance company platform, the insurance company platform is connected to the block chain through insurance company nodes, the block chain further comprises vehicle nodes connected with the vehicle management platform, dynamic characteristic data of an insured vehicle are stored in the block chain, the dynamic characteristic data are generated by the vehicle management platform according to original dynamic parameters sent by the insured vehicle and are uploaded to the block chain through the vehicle nodes for storage, and the original dynamic parameters comprise at least one of working parameters of a running part and working parameters of a running auxiliary function; the device comprises:

the system comprises a claim settlement request receiving unit, a vehicle management unit and a vehicle management unit, wherein the claim settlement request receiving unit is used for receiving a claim settlement request of an insurance vehicle from the insurance vehicle or a vehicle owner terminal of the insurance vehicle;

the dynamic parameter request unit is used for sending a dynamic parameter request of the insurance vehicle to the vehicle management platform and receiving the vehicle dynamic parameters returned by the vehicle management platform; the vehicle dynamic parameters are obtained by a vehicle management platform according to the dynamic characteristic data of the insurance vehicle stored in the block chain;

and the accident responsibility judgment unit is used for verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicles in the block chain obtained by the insurance company node, and judging the accident responsibility according to the vehicle dynamic parameters after the verification is passed.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the computer program is run by the processor, the steps of the block chain-based vehicle insurance management method applied to the vehicle management platform are executed.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the computer program is run, the processor executes the steps of the block chain-based vehicle insurance management method applied to the insurance vehicle.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, the steps of the block chain-based vehicle insurance management method on the application insurance company platform are executed.

The present specification provides a computer readable storage medium, on which a computer program is stored, the computer program, when executed by a processor, performs the steps of the above block chain-based vehicle insurance management method applied to a vehicle management platform.

The present specification also provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above block chain based vehicle insurance management method applied to an insured vehicle.

The present specification also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above block chain-based vehicle insurance management method on an application insurance company platform.

According to the technical scheme, in the embodiment of the specification, the vehicle management platform generates dynamic characteristic data according to original dynamic parameters of a running vehicle and submits the dynamic characteristic data to the block chain for storage, after an accident occurs, the vehicle management platform provides dynamic parameters of the vehicle obtained from the dynamic characteristic data to the insurance company platform, and after the insurance company platform verifies that the dynamic parameters of the vehicle are matched with the dynamic characteristic data stored in the block chain, the insurance company platform adopts the dynamic parameters of the vehicle to judge accident responsibility, so that the running data of the accident vehicle can provide basis for responsibility judgment in an untrustable mode, the accuracy of responsibility judgment is greatly increased, and the efficiency and the reliability of claim settlement work are improved.

Drawings

FIG. 1 is a diagram illustrating an exemplary logical structure of a blockchain system for vehicle insurance management according to an embodiment of the present disclosure;

FIG. 2 is a flowchart of a block chain-based vehicle insurance management method applied to a vehicle management platform according to an embodiment of the present disclosure;

FIG. 3 is a flowchart of a block chain-based vehicle insurance management method applied to an insurance vehicle in an embodiment of the present specification;

FIG. 4 is a flowchart of a block chain based vehicle insurance management method on an application insurance company platform according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a logic structure of an intelligent policy in an application example of the present specification;

FIG. 6 is a hardware block diagram of an apparatus for practicing embodiments of the present description;

FIG. 7 is a logical block diagram of a block chain based vehicle insurance management device applied to a vehicle management platform according to an embodiment of the present disclosure;

FIG. 8 is a logical block diagram of a block chain based vehicle insurance management device applied to an insurance vehicle in an embodiment of the present specification;

fig. 9 is a logical block diagram of a block chain-based vehicle insurance management apparatus on an insurance company platform according to an embodiment of the present disclosure.

Detailed Description

With the popularization of intelligent automobiles and the rapid development of the car networking technology, more and more vehicles have reliable data collection and processing capacity and wide information interaction capacity. Once an accident occurs to a vehicle, important data generated by a highly intelligent vehicle-mounted computer system and various vehicle information sensing devices can be used as a judgment basis of the accident, so that the responsibility judgment of the accident and the insurance claim settlement work of the vehicle become more reliable and efficient.

Therefore, the embodiment of the present specification provides a new vehicle insurance management method, in which a vehicle management platform collects original dynamic parameters such as working parameters of a driving component of an insured vehicle and/or working parameters of a driving auxiliary function, generates dynamic characteristic data, submits the dynamic characteristic data to a block chain for storage, and after an accident occurs, an insurance company platform obtains the vehicle dynamic parameters of the insured vehicle from the vehicle management platform and verifies the dynamic characteristic data stored in the block chain for accident responsibility judgment, so that the driving data of the accident vehicle which can be traced and cannot be tampered is used as a factual basis, the accuracy of judgment is improved, and the claim settlement work has higher efficiency and confidence.

In embodiments of the present description, vehicle insurance management is implemented based on blockchains. The blockchain for managing vehicle insurance is a federation chain including one to a plurality of vehicle nodes and one to a plurality of insurance company nodes, and may further include one to a plurality of social authority nodes, one to a plurality of repair authority nodes, one to a plurality of intelligent service provider nodes, and/or one to a plurality of vehicle manufacturer nodes. Each node may be an accounting node of the block chain, or may not be an accounting node. The operation of the block chain, including the transmission, communication, storage, inspection, etc. of information among the nodes, follows the specification of the block chain, and is not limited otherwise.

In the embodiments of the present description, the vehicle management platform accesses the block chain through the vehicle node, and the insurance company platform accesses the block chain through the insurance company node. In some implementations, the social authority platform accesses the blockchain through the social authority node, the repair authority platform accesses the blockchain through the repair authority node, the intelligent service provider platform accesses the blockchain through the intelligent service provider node, and the vehicle manufacturer platform accesses the blockchain through the vehicle manufacturer node. Each vehicle node can be accessed to one or more vehicle management platforms, and each insurance company node can be accessed to one or more insurance company platforms, as well as other nodes, and details are not repeated. An example of a logical structure of a blockchain system for vehicle insurance management may be shown in fig. 1. The vehicle management platform, the insurance company platform, the social management organization platform, the insurance vehicle and the owner terminal of the insurance vehicle can be communicated with each other through a network.

The vehicle node, the insurance company node, the social management organization node, the repair organization node, the intelligent service provider node, the vehicle manufacturer node, the vehicle management platform, the insurance company platform, the social management organization platform, the repair organization platform, the intelligent service provider platform and the vehicle manufacturer platform are all software functional modules with respective specific functions. Each software functional module may be independently operated on one physical device or logical device, may be independently operated on two or more physical devices or logical devices, and may also be operated on one or more physical devices or logical devices together with one or more other software functional modules, without limitation.

In this embodiment of the present disclosure, the physical device operated by each software functional module or the physical device used as the bottom layer of the operated logical device may be a mobile phone, a tablet Computer, a PC (Personal Computer), a notebook, a server, and the like, without limitation.

In the embodiment of the present specification, the flow of the block chain-based vehicle insurance management method running on the vehicle management platform is shown in fig. 2, the flow of the block chain-based vehicle insurance management method running on the insurance vehicle is shown in fig. 3, and the flow of the block chain-based vehicle insurance management method running on the insurance company platform is shown in fig. 4.

On the insurance vehicle, step 310, sending the original dynamic parameters of the vehicle to a vehicle management platform for the vehicle management platform to generate dynamic characteristic data and submitting the dynamic characteristic data to a block chain for storage through vehicle nodes; the original dynamic parameters include at least one of operating parameters of a driving component and operating parameters of a driving assistance function.

On the vehicle management platform, step 210, the original dynamic parameters sent by the insured vehicle are received.

In the embodiments of the present specification, the original dynamic parameter of the vehicle may be any data that can be sensed and collected by the vehicle-mounted intelligent device during the running process of the vehicle, dynamically changes along with the running process of the vehicle, and is related to the running function of the vehicle itself. For example, the operating parameters of the travel component, the operating parameters of the travel assist function, and the like may be used.

The running component comprises a component used for participating in the implementation of the running function on the vehicle, and the operating parameters of the components can be state parameters of the components or instantaneous parameters in running, such as one or more of the rotating speed of an engine in running, oil temperature data, tire air pressure and brake pad wear data.

The driving assistance function includes various functions of a driving assistance system used in driving of the automobile, including but not limited to one or more of the following: constant-speed cruising, AEB (automatic Emergency Braking), APA (automatic Parking Assist), FCW (Forward Collision Warning), LKA (Lane Departure correction), LDW (Lane Departure Warning), ACCA (Adaptive Cruise Control with stop function), BSD (Blind Spot Detect), and the like.

The operating parameter of the driving assistance function may be one or more of an operating state parameter of the driving assistance function, an output parameter of the driving assistance function, and the like, such as whether a certain assistance function is activated, whether the certain assistance function is normally operated, a parameter value output during operation, and the like.

The vehicle owner can agree which parameters related to the driving function of the vehicle are used as original dynamic parameters when the vehicle owner signs an insurance contract with an insurance company for judging the liability of the insurance accident.

After the insurance vehicle is started, various vehicle-mounted intelligent devices start to collect parameters of vehicle components, and various driving auxiliary functions start to operate. The insured vehicle sends the agreed original dynamic parameters to the vehicle management platform. The insured vehicle may upload the original dynamic parameters to the vehicle management platform when predetermined upload conditions are met. The predetermined uploading condition may be determined according to requirements of an actual application scenario, and is not limited in this embodiment of the specification. For example, the data may be uploaded at a certain period, when the original dynamic parameters cached in the vehicle-mounted computer system reach a certain capacity threshold, or when the variation of a certain specific parameter or parameters exceeds a predetermined threshold.

On the vehicle management platform, step 220, the received original dynamic parameters are used to generate dynamic feature data of the insurance vehicle, and the dynamic feature data is submitted to the block chain storage through the vehicle nodes.

And the vehicle management platform receives the original dynamic parameters continuously uploaded by the insurance vehicles. The original dynamic parameters of the vehicle often contain the privacy of the owner of the vehicle, so in the embodiment of the description, the original dynamic parameters of the vehicle are not directly stored in the blockchain, but the vehicle management platform generates the dynamic feature data of the insured vehicle by using the received original dynamic parameters, and submits the dynamic feature data to the blockchain for storage through the vehicle nodes.

The specific mode of generating the dynamic characteristic data from the original dynamic parameters can be determined according to the requirements of the insurance contract on the data submission frequency, the size of data submitted each time, the storage capacity of the block chain and other factors in the practical application scene, and is not limited as long as the dynamic characteristic data stored by the block chain can be used for verifying whether the vehicle dynamic parameters of the insurance vehicle provided for the insurance company platform and/or the social management institution platform for accident liability judgment are true or not. The vehicle dynamic parameters can be original dynamic parameters uploaded by the insurance vehicle, and can also be data generated after the original dynamic parameters are processed.

After the insurance vehicle is started, the original dynamic parameters are sent to the vehicle management platform in sequence, and the insurance vehicle usually sends the time for generating the original dynamic parameters or the time for sending the original dynamic parameters to the vehicle management platform. Various situations may arise during the communication process such that the vehicle management platform cannot receive the original dynamic parameter sequence in the chronological order in which the original dynamic was generated or transmitted. In addition, when the insured vehicle encounters the conditions of traffic jam, parking and the like, the original dynamic parameters of the insured vehicle may not change within a period of time, and the repeated original dynamic parameters do not help the follow-up accident responsibility judgment. Therefore, in some application scenarios, the vehicle management platform generally sequences and removes the duplicate of the received original dynamic parameters to obtain vehicle dynamic parameters, which are used as a basis for subsequent accident liability determination, and generates dynamic feature data of the insured vehicle by using the vehicle dynamic parameters.

The specific manner of generating the dynamic characteristic data from the vehicle dynamic parameters is also not limited, as long as the authenticity of the vehicle dynamic parameters can be verified by the dynamic characteristic data. Two examples are given below for illustration.

The first example is as follows: when the data volume of the original dynamic data uploaded by the insurance vehicle is small or the block chain has enough storage space to accommodate the dynamic characteristic data of all the insurance vehicles, the vehicle management platform can encrypt the vehicle dynamic parameters of the insurance vehicle by adopting the public key of the insurance vehicle to obtain the dynamic characteristic data of the insurance vehicle, and submit the generated dynamic characteristic data to the block chain through the vehicle nodes for storage.

The second example: when the data volume of the original dynamic data uploaded by the insurance vehicle is large or the block chain does not have enough storage space to accommodate the dynamic characteristic data of all the insurance vehicles, the vehicle management platform can adopt a preset hash algorithm to calculate the hash value of the vehicle dynamic parameters of the insurance vehicle, and the calculated hash value is used as the dynamic characteristic data of the insurance vehicle; for the vehicle dynamic parameters of the insured vehicle, the vehicle management platform can store the ciphertext of the vehicle dynamic parameters in any network storage position which can be accessed by the vehicle management platform, such as a local storage system, an external storage system, a cloud server and the like, after the vehicle management platform adopts the public key of the insured vehicle for encryption.

On the insurance vehicle, step 320, after the accident occurs, a claim settlement request is sent to the insurance company platform, so that the insurance company platform obtains the vehicle dynamic parameters of the vehicle from the vehicle management platform, and after the vehicle dynamic parameters are verified by adopting the dynamic characteristic data of the vehicle in the block chain obtained by the insurance company node, the accident liability is judged according to the vehicle dynamic parameters.

At the insurance company platform, a claim settlement request for the insured vehicle is received from the insured vehicle, or the owner terminal of the insured vehicle, step 410.

After the accident of the insurance vehicle occurs, the vehicle owner can report the claim settlement request to the insurance company platform through the insurance vehicle or the terminal of the owner. If the vehicle is reported through the vehicle owner terminal, the insurance company platform can know which insurance vehicle is the insurance vehicle with the accident according to the insurance contract.

On the insurance company platform, step 420, sending the dynamic parameter request of the insurance vehicle to the vehicle management platform, and receiving the vehicle dynamic parameters returned by the vehicle management platform; and the vehicle dynamic parameters are obtained by the vehicle management platform according to the dynamic characteristic data of the insurance vehicle stored in the block chain.

On the vehicle management platform, step 330, after receiving the dynamic parameter request of the insurance vehicle from the insurance company platform, obtaining the dynamic parameters of the vehicle according to the dynamic characteristic data of the insurance vehicle stored in the block chain, and sending the dynamic parameters to the insurance company platform, so that the insurance company platform judges accident liability according to the dynamic parameters of the vehicle after verifying the dynamic parameters of the vehicle by using the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node.

After receiving the claim settlement request from the insurance vehicle or the owner terminal, the insurance company platform sends the dynamic parameter request of the insurance vehicle to the vehicle management platform before judging the insurance responsibility of the insurance vehicle. According to the dynamic characteristic data of the insurance vehicle stored in the blockchain, the insurance company platform can specify which dynamic characteristic data (such as the dynamic characteristic data of which time period or the dynamic characteristic data of which entries) are to be obtained in the dynamic parameter request; the method can be agreed with a vehicle management platform in advance, and the default request is vehicle dynamic parameters corresponding to dynamic characteristic data stored in part or all of block chains; the two modes can also be adopted simultaneously.

After receiving a dynamic parameter request of a certain insurance vehicle, the vehicle management platform adopts a mode corresponding to the dynamic characteristic data generated according to the original dynamic parameters of the insurance vehicle, and obtains the vehicle dynamic parameters from the dynamic characteristic data of the insurance vehicle. The following is given in the context of the two aforementioned examples:

for the first example, after receiving the dynamic parameter request of the insurance vehicle, the vehicle management platform sends a private key request to the insurance vehicle or the owner terminal of the insurance vehicle; after receiving the private key provided by the insurance vehicle or the owner terminal of the insurance vehicle, the vehicle management platform decrypts the dynamic characteristic data of the insurance vehicle stored in the block chain by adopting the private key of the insurance vehicle to obtain the vehicle dynamic parameters of the insurance vehicle.

For the second example, after receiving the dynamic parameter request of the insurance vehicle, the vehicle management platform sends a private key request to the insurance vehicle or the owner terminal of the insurance vehicle; after receiving the private key provided by the insured vehicle or the owner terminal of the insured vehicle, the vehicle management platform reads the stored vehicle dynamic parameter ciphertext corresponding to the dynamic characteristic data of the insured vehicle, and decrypts the vehicle dynamic parameter by adopting the private key of the insured vehicle to obtain the vehicle dynamic parameter of the insured vehicle.

And the vehicle management platform sends the vehicle dynamic parameters of the insurance vehicle to the insurance company platform.

On the insurance company platform, step 430, the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node is adopted to verify the dynamic parameters of the vehicle, and after the verification is passed, the accident responsibility is judged according to the dynamic parameters of the vehicle.

After receiving the vehicle dynamic parameters of the insured vehicle sent by the vehicle management platform, the insurance company platform submits a request for acquiring the dynamic characteristic data of the insured vehicle to the insurance company node. The insurance company node reads the stored dynamic characteristic data of the insurance vehicle from the blockchain and returns the dynamic characteristic data to the insurance company platform. And the insurance company platform adopts the dynamic characteristic data of the insured vehicle to verify the authenticity of the dynamic parameters of the vehicle from the vehicle management platform.

The specific way of verification corresponds to the way in which the vehicle management platform generates dynamic characteristic data, and the following is given in the case of the two aforementioned examples:

for the first example, the insurance company platform encrypts the returned vehicle dynamic parameters by using the public key of the insured vehicle, if the encrypted ciphertext is consistent with the dynamic characteristic data of the insured vehicle in the block chain obtained by the insurance company node, the verification is passed, otherwise, the verification cannot be passed;

for the second example, the insurance company platform calculates the hash value of the dynamic parameter of the returned vehicle by using a predetermined hash algorithm, if the calculated hash value is consistent with the dynamic characteristic data of the insured vehicle in the block chain obtained by the insurance company node, the verification is passed, otherwise, the verification cannot be passed.

And the insurance company platform judges the liability of the insurance accident by adopting the verified vehicle dynamic parameters of the insured vehicle.

In some application scenarios, the determination of the liability of an insured event not only involves the insurer, but also requires the opinion of a social authority (e.g., a traffic police department). In these application scenarios, the block chain may include a social authority node, and the social authority platform accesses the block chain through the social authority node. After an insurance accident occurs, the insurance company platform can inform the vehicle management platform to send the dynamic parameters of the vehicle obtained according to the dynamic characteristic data of the insured vehicle stored in the block chain to the social management organization platform when sending a dynamic parameter request to the vehicle management platform; the insurance company platform can also send a responsibility confirmation request carrying the vehicle dynamic parameters of the insurance vehicle to the social management organization platform after receiving the vehicle dynamic parameters returned by the vehicle management platform. After receiving the dynamic parameters of the vehicles from the vehicle management platform or the insurance company platform, the social management organization platform acquires the dynamic characteristic data of the insured vehicles from the block chain through the social management organization node, verifies the received dynamic parameters of the vehicles by using the dynamic characteristic data, and judges the accident liability by using the received dynamic parameters of the vehicles after the verification is passed. The social management agency platform also verifies the dynamic parameters of the vehicle in a manner corresponding to the dynamic characteristic data generated by the vehicle management platform, and the verification is not repeated.

Manufacturers, models, and maintenance records of key components of insured vehicles may have reference value in determining insurance liability. In some implementations, the static parameters of the insured vehicle can be saved on the blockchain such that the static parameters are also of a non-tamper and non-repudiation nature. In embodiments of the present description, the static parameter of the vehicle may be one to more of the following: hardware parameters, software parameters, hardware maintenance records, software maintenance records. The hardware parameters comprise unique identification marks of important parts of the vehicle and other static performance parameters, such as an engine serial number, a tire serial number, a transmission serial number, engine output power, a transmission ratio range of a transmission and the like, after the vehicle leaves a factory and obtains an on-road permission; the software parameters comprise various intelligent service software installed on the vehicle after the vehicle leaves the factory and gets the permission to go on the road, version information thereof and other software parameters, such as the name and version number of a navigation application program, the name and version number of a voice assistant, and/or the name and version number of an operating system of a vehicle-mounted computer; the hardware service record may include the time the component was replaced, the hardware parameters of the component after replacement, and/or the name of the repair facility, etc.; the software maintenance record may include the time the software was upgraded, and/or the parameters of the software after the upgrade, etc.

In the above implementation, a repair facility node, an intelligent service provider node, and a vehicle manufacturer node connected to the repair facility platform may be added to the blockchain. The repair facility platform accesses the block chain through the repair facility node, the intelligent service provider platform accesses the block chain through the intelligent service provider node, and the vehicle manufacturer platform accesses the block chain through the vehicle manufacturer node.

In order to make the policy, the insurance company platform can inquire the vehicle manufacturer platform of the insurance vehicle about the hardware parameters of the insurance vehicle, inquire the intelligent service provider platform about the software parameters of the insurance vehicle, and write the parameters into the block chain through the insurance company node for saving.

In the validity period of the insurance policy, when hardware maintenance, recall or software maintenance of the insurance vehicle occurs, the repair mechanism platform can upload the hardware maintenance record to the block chain for storage through the repair mechanism node; when the insurance vehicle recalls, the vehicle manufacturer platform uploads the hardware maintenance record or the software maintenance record to the block chain for storage through the vehicle manufacturer node; when software maintenance of the insurance vehicle occurs, the software maintenance records can be uploaded to the block chain for storage through the intelligent service provider nodes by the intelligent service provider platform.

In order to protect the privacy information of the owner of the vehicle and increase the security of the static information of the insurance vehicle, the access control strategy of the insurance vehicle can be stored in a block chain. The access control strategy is used for controlling the modification authority of the static parameters of the insurance vehicle stored in the blockchain, and particularly, after a repair agency node, an intelligent service provider node and/or a vehicle manufacturer node on the blockchain receive a static parameter update request for a certain insurance vehicle, the access control strategy of the insurance vehicle stored in the blockchain is read, if the static parameter update request conforms to the access control strategy of the insurance vehicle, the static parameters of the insurance vehicle stored in the blockchain are modified according to the static parameter update request, and if not, the static parameter update request is rejected. The content of the access control policy may be determined according to the needs of the actual application scenario, and may include, for example, a time period for allowing the static parameters to be modified, an initiator (e.g., a particular repair shop) for allowing the static parameters to be updated, and so on.

The access control policy maintained on the blockchain is set and modified by the owner of the insured vehicle. And an access control strategy can be set by the insurance company platform according to the decision of the vehicle owner during policy making, and the access control strategy is uploaded to the block chain through the insurance company node for storage. When the access control strategy needs to be changed in the subsequent situation, the vehicle owner can send a strategy updating request to the vehicle management platform on the insurance vehicle or the terminal thereof, and how to update the access control strategy of the insurance vehicle is specified in the strategy updating request. And after receiving the strategy updating request, the vehicle management platform updates the access control strategy of the insured vehicle stored in the block chain through the vehicle node according to the strategy updating request.

For example, when an insurance vehicle changes parts at a certain repair agency, the repair agency can send a request for modifying static parameters to the insurance vehicle or the owner terminal at the platform of the repair agency before adding the record of the current repair to the hardware repair record of the insurance vehicle in the block chain; the owner modifies the access control strategy in the block chain through the vehicle management platform, and the repair agency platform is allowed to modify the static parameters of the insured vehicle within a specified time period; and the repair agency node modifies the static parameters of the insurance vehicle in the block chain only when the request for modifying the static parameters of the insurance vehicle submitted by the specific repair agency platform meets the specified time period, so that the dynamic access control of the vehicle owner on the static parameters in the block chain is realized.

After receiving the claim settlement request, the insurance company platform obtains the static parameters of the insurance vehicle from the block chain through the insurance company node, requests the vehicle dynamic parameters of the insurance vehicle from the vehicle management platform, and adopts the vehicle dynamic parameters and the static parameters of the insurance vehicle to judge accident liability. Similarly, the social management agency platform obtains the static parameters of the insurance vehicle from the block chain through the social management agency node, receives the vehicle dynamic parameters of the insurance vehicle from the vehicle management platform or the insurance company platform, and adopts the vehicle dynamic parameters and the static parameters of the insurance vehicle to judge the accident liability.

In the embodiment of the present specification, the result of the determination of the insurance accident liability and the confirmation of the determination result by each party may be stored in the block chain. Specifically, after the insurance company platform obtains a judgment result, the judgment result is signed by a private key of the insurance company, and the signed judgment result is uploaded to the block chain through the insurance company node for storage; if the judgment result is obtained by the insurance company platform and the social management organization platform, the social management organization platform can also sign the judgment result by using a private key of the social management organization and store the signature in the block chain; the insurance vehicle or the owner terminal can request the judgment result from the vehicle management platform, after the vehicle management platform obtains the judgment result from the block chain through the vehicle node, the insurance vehicle or the owner terminal can sign the judgment result by adopting a private key of the insurance vehicle, and the signature is stored in the block chain through the vehicle management platform and the vehicle node.

It can be seen that in the embodiments of the present specification, the vehicle management platform collects original dynamic parameters such as working parameters of a driving component of an insured vehicle and/or working parameters of a driving assistance function, generates dynamic feature data, and submits the dynamic feature data to the blockchain for storage, after an accident occurs, the vehicle management platform provides the vehicle dynamic parameters obtained from the dynamic feature data to the insurance company platform, and after the insurance company platform verifies that the vehicle dynamic parameters are matched with the dynamic feature data stored in the blockchain, the insurance company platform performs accident responsibility judgment by using the vehicle dynamic parameters, so that the driving data of the accident vehicle itself, which can be traced and tampered with, can be used as a factual basis, thereby greatly increasing the accuracy of responsibility judgment, and improving the efficiency and reliability of claim settlement work.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In one example application of the present specification, a block chain for managing vehicle insurance is constructed using a federation chain technique, the block chain including vehicle nodes, insurance company nodes, social management agency nodes, repair agency nodes, intelligent service provider nodes, and vehicle manufacturer nodes. Each node is a billing node of the federation chain. The vehicle management platform accesses the block chain through the vehicle node, the insurance company platform through the insurance company node, the social management organization platform through the social management organization node, the repair organization platform through the repair organization node, the intelligent service provider platform through the intelligent service provider node, and the vehicle manufacturer platform through the vehicle manufacturer node.

After the car owners of the various insurance vehicles apply insurance to the insurance company, the platform of the insurance company generates the intelligent insurance policy of each insurance vehicle and stores the intelligent insurance policy in the block chain. The logical structure of the intelligent policy is shown in fig. 5. The insurance company platform writes the static parameters of the insured vehicle (including the engine serial number, the tire serial number, the transmission serial number, the name and the version number of the navigation application program, the name and the version number of the voice assistant, the name and the version number of the vehicle-mounted computer operating system), the access control strategy of the static parameters determined by the owner of the insured vehicle, and the related information of the insurance contract (such as the insured amount, the insurance category, the validity period and the like) into the intelligent insurance policy of the insured vehicle stored in the block chain through the insurance company node.

And in the valid period of the policy, when the insurance vehicle is subjected to hardware maintenance or software upgrading and the like, the vehicle owner sends a policy updating request to the vehicle management platform on the insurance vehicle or a terminal thereof, and the policy updating request specifies which initiator is allowed to update the access control policy of the vehicle in which time period. And the vehicle management platform updates the access control strategy of the insured vehicle stored in the block chain through the vehicle node according to the strategy updating request. One party (such as a repair mechanism platform, an intelligent service provider platform or a vehicle manufacturer platform) in charge of maintenance or upgrading puts a static parameter updating request for the insurance vehicle to a node of an access block chain, the node (such as a repair mechanism node, an intelligent service provider node or a vehicle manufacturer node) calls an Application Programming Interface (API) Interface of the intelligent insurance policy, an access control module inquires an access control strategy in the intelligent insurance policy of the insurance vehicle, judges whether the static parameter updating request conforms to the access control strategy or not, and updates the static parameter in the intelligent insurance policy when the static parameter updating request conforms to the access control strategy.

When the insurance contract is signed, the vehicle owner and the insurance company make an agreement about which parameters are used as the original dynamic parameters of the vehicle and how to upload the original dynamic parameters of the vehicle in the effective period of the policy. Assume that the original dynamic parameters of a certain insured vehicle include the following: the engine speed, oil temperature, tire pressure, brake pad wear data levels, and the status of cruise control, AEB, APA, FCW, LKA, LDW, ACCA, and BSD (including whether started, whether working properly), the insured vehicle will upload the original dynamic parameters to the vehicle management platform at predetermined periods of vehicle start.

In the validity period of the policy, after the insurance vehicle is started, the vehicle-mounted intelligent equipment collects all the data, and the vehicle-mounted computer generates original dynamic parameters by adopting the collected data in a preset period

And sent to the vehicle management platform.

Vehicle management platform is based on formula 1 pair

Performing a pretreatment comprising

Sequencing and removing weight to obtain dynamic parameters of the vehicle

。

According to equation 2, the vehicle management platform uses an asymmetric encryption algorithm to secure the public key of the vehicle to the dynamic parameters of the vehicle

Encrypting to obtain the ciphertext of the dynamic parameters of the vehicle

。

Vehicle management platform encrypts vehicle dynamic parameters

As dynamic feature data, a transaction (transaction) is created, the content of which is shown in formula 3:

in the formula 3, the first step is,

the destination address representing this transaction, i.e. the network address of the insurance company platform;

a network address representing the initiator of the transaction, i.e., the vehicle management platform;

a unique identification of the intelligent policy representing the insured vehicle in the blockchain;

cipher text for storing dynamic parameters of vehicle

。

Transaction to be created by vehicle management platform

And submitting the data to the block chain through the vehicle node for storage.

Assuming that the insured vehicle has a collision accident, the vehicle owner sends a claim settlement request to the insurance company platform through the terminal of the vehicle owner.

The insurance company platform browses a plurality of transactions of the insurance vehicle in the block chain through the insurance company node, and selects the transactions related to the insurance accident

（

As a natural number) of bars into a ciphertext transaction set

。

Insurance company platform will

And

and the package is sent to the vehicle management platform in the dynamic parameter request. The vehicle management platform inquires in the block chain through the vehicle node

And after the corresponding insurance vehicle is launched, sending a private key request to the owner terminal of the insurance vehicle. The private key of the insured vehicle is returned to the vehicle management platform by the vehicle owner terminal, and the vehicle management platform uses the private key of the insured vehicle to send the private key to the vehicle management platform

Decrypting each ciphertext to obtain the dynamic parameters of the vehicle

Plaintext collection of (1):

。

the vehicle management platform is to

And

and sending the information to an insurance company platform and a social management organization platform. Insurance company platform and social management agency platform base

Respectively passing through insurance bulletsThe department node and the social management organization node read out the static parameters of the insurance vehicle from the intelligent insurance policy of the insurance vehicle in the block chain, and adopt the static parameters and the received static parameters

Making a responsibility judgment on the insurance accident of the insured vehicle to obtain a judgment result

。

The insurance company platform, the social management organization platform and the insurance terminal respectively adopt respective private keys to sign the judgment result, and the judgment result after signing

And submitting the data to an intelligent policy in a block chain for storage. Stored in an intelligent policy

As shown in equation 4:

in the application example, the vehicle dynamic parameters generated by the original dynamic parameters recorded by the vehicle-mounted intelligent device are encrypted and uploaded to the block chain to serve as data evidence. The original dynamic parameters are periodically transmitted for tracking the driving state of the insured vehicle. After an accident occurs, the dynamic parameters of the vehicle can be used as the dividing basis of responsibility. Because the proportion of the vehicle-mounted computer and the vehicle-mounted intelligent equipment participating in the normal driving of the vehicle is more and more, the influence on the safe driving of the vehicle is more and more, and the key original dynamic parameters can reflect the vehicle states before, during and after the accident, thereby bringing important factual basis for the judgment of the accident and powerful support for the normal claim settlement of insurance.

In the application example, the repair mechanism, the intelligent service provider and the vehicle manufacturer are added into the block chain system of insurance management, and the complete life cycle record of the static parameters of the insured vehicle is written into the block chain, so that the problems that the vehicle owner and the repair mechanism collude and replace devices within the validity period of the policy, cheat insurance funds at the claim stage and strive for low premium when the policy is signed secondarily are avoided. In addition, the information of the vehicle-mounted intelligent service software is brought into the static parameters, so that the problems that an intelligent service provider breaks responsibility in the insurance liability assignment process, and software information stored on a local server is tampered, so that accident reasons related to the intelligent service provider are intentionally concealed are solved.

The application example can enable the information of the insurance vehicle to be more transparent in a controllable range (but the privacy data of the vehicle owner cannot be revealed), so that the overhead cost of the insurance company on vehicle information collection and processing can be effectively reduced, and the economic risk born by the insurance company when the insurance company accounts the premium and formulates the policy clauses can be effectively reduced. Meanwhile, the cost reduction of the policy making will effectively reduce the insurance cost of the vehicle owner, and bring certain economic benefit for both parties.

Corresponding to the above flow implementation, embodiments of the present specification further provide a block chain-based vehicle insurance management apparatus applied to a vehicle management platform, a block chain-based vehicle insurance management apparatus applied to an insurance application vehicle, and a block chain-based vehicle insurance management apparatus applied to an insurance company platform. The above devices can be realized by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, the logical device is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the device. In terms of hardware, in addition to the CPU, the memory, and the storage shown in fig. 6, the device in which the block chain-based vehicle insurance management apparatus is located generally includes other hardware such as a chip for transmitting and receiving wireless signals and/or other hardware such as a board card for implementing a network communication function.

Fig. 7 is a block chain-based vehicle insurance management apparatus applied to a vehicle management platform, where the block chain includes a vehicle node and an insurance company node, and the apparatus includes an original parameter receiving unit, a feature data storage unit, and a dynamic parameter restoring unit, where: the original parameter receiving unit is used for receiving original dynamic parameters sent by the insurance vehicle; the original dynamic parameters comprise at least one of working parameters of a driving component and working parameters of a driving auxiliary function; the characteristic data storage unit is used for generating dynamic characteristic data of the insurance vehicle by adopting the received original dynamic parameters and submitting the dynamic characteristic data to a block chain for storage through vehicle nodes; the dynamic parameter recovery unit is used for obtaining vehicle dynamic parameters according to the dynamic characteristic data of the insurance vehicle stored in the block chain after receiving the dynamic parameter request of the insurance vehicle from the insurance company platform, and sending the vehicle dynamic parameters to the insurance company platform, so that the insurance company platform judges accident responsibility according to the vehicle dynamic parameters after verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node.

Optionally, the feature data storage unit generates the dynamic feature data of the insurance vehicle by using the received original dynamic parameters, and includes: sequencing and de-weighting the received original dynamic parameters to obtain vehicle dynamic parameters, and encrypting the vehicle dynamic parameters by adopting a public key of the insurance vehicle to obtain dynamic characteristic data of the insurance vehicle; the dynamic parameter recovery unit obtains vehicle dynamic parameters according to the dynamic characteristic data of the insurance vehicle stored in the block chain, and the dynamic parameter recovery unit comprises: and decrypting the dynamic characteristic data of the insurance vehicle stored in the block chain by using the private key of the insurance vehicle to obtain the dynamic parameters of the vehicle.

Optionally, the feature data storage unit generates the dynamic feature data of the insurance vehicle by using the received original dynamic parameters, and includes: sequencing and de-weighting the received original dynamic parameters to obtain vehicle dynamic parameters, calculating the hash value of the vehicle dynamic parameters by adopting a preset hash algorithm, and taking the hash value as the dynamic characteristic data of the insured vehicle; the device also comprises a dynamic parameter ciphertext storage unit, which is used for storing the vehicle dynamic parameter ciphertext of the insurance vehicle after the vehicle dynamic parameter of the insurance vehicle is encrypted by the public key of the insurance vehicle; the dynamic parameter recovery unit obtains vehicle dynamic parameters according to the dynamic characteristic data of the insurance vehicle stored in the block chain, and the dynamic parameter recovery unit comprises: and reading the stored vehicle dynamic parameter ciphertext corresponding to the dynamic characteristic data of the insured vehicle, and decrypting by using the private key of the insured vehicle to obtain the vehicle dynamic parameter.

Optionally, the operating parameter of the driving component includes at least one of: the rotating speed and oil temperature data of the running engine, the tire pressure and the brake pad wear data; the operating parameters of the driving assistance function include at least one of the following; working state parameters of the driving assistance function and output parameters of the driving assistance function; the driving assistance function includes at least one of: the system comprises a constant-speed cruise function, an automatic emergency brake AEB, an automatic parking assistant APA, a front collision early warning FCW, a lane departure correction LKA, a lane departure early warning LDW, a self-adaptive cruise ACCA with a stop function and a side blind area monitoring BSD.

Optionally, the block chain further includes: a social authority node connected to the social authority platform; the device also comprises a first dynamic parameter providing unit, which is used for sending the vehicle dynamic parameters obtained according to the dynamic characteristic data of the insurance vehicle stored in the block chain to a social management organization platform, so that the social management organization platform can judge accident responsibility according to the vehicle dynamic parameters after verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained by the social management organization node.

In one example, the blockchain stores static parameters of the insurance vehicle, and the static parameters comprise at least one of hardware parameters, software parameters, hardware maintenance records and software maintenance records of the vehicle; the static parameters are used for accident responsibility judgment by the insurance company node or the insurance company node and the social management organization node.

In the above example, the block chain further includes at least one of the following nodes: a repair facility node, an intelligent service provider node, a vehicle manufacturer node; the access control strategy of the insurance vehicle is stored in the blockchain; the access control strategy is used for updating the access control strategy when the static parameter updating request is judged to accord with the access control strategy of the insured vehicle after the repair mechanism node, the intelligent service provider node and/or the vehicle manufacturer node of the block chain receive the static parameter updating request for the insured vehicle, otherwise, the static parameter updating request is refused; the device further comprises: and the access strategy updating unit is used for updating the access control strategy of the insurance vehicle stored in the block chain through the vehicle node according to the strategy updating request after receiving the strategy updating request sent by the insurance vehicle or the owner terminal of the insurance vehicle.

In the above example, the hardware parameter includes at least one of: an engine serial number, a tire serial number, a transmission serial number; the software parameters include at least one of: the name and the version number of the navigation application program, the name and the version number of the voice assistant, and the name and the version number of the vehicle-mounted computer operating system.

Fig. 8 is a block chain-based vehicle insurance management apparatus applied to an insurance vehicle according to an embodiment of the present disclosure, where the block chain includes vehicle nodes and insurance company nodes, and the apparatus includes an original parameter sending unit and a claim settlement request sending unit, where: the original parameter sending unit is used for sending original dynamic parameters of the vehicle to the vehicle management platform, so that the vehicle management platform can generate dynamic characteristic data and submit the dynamic characteristic data to the block chain for storage through vehicle nodes; the original dynamic parameters comprise at least one of working parameters of a driving component and working parameters of a driving auxiliary function; the claim settlement request sending unit is used for sending a claim settlement request to the insurance company platform after an accident occurs so that the insurance company platform can obtain the vehicle dynamic parameters of the vehicle from the vehicle management platform, and after the vehicle dynamic parameters are verified by adopting the dynamic characteristic data of the vehicle in the block chain obtained by the insurance company node, the accident responsibility is judged according to the vehicle dynamic parameters.

Optionally, the block chain further includes at least one of the following nodes: a repair facility node, an intelligent service provider node, a vehicle manufacturer node; the block chain stores the access control strategy and static parameters of the vehicle; the access control strategy is used for updating the access control strategy when the static parameter updating request is judged to accord with the access control strategy of the vehicle after the repair mechanism node, the intelligent service provider node and/or the vehicle manufacturer node of the block chain receive the static parameter updating request of the vehicle, otherwise, the static parameter updating request is rejected; the static parameters comprise at least one of hardware parameters, software parameters, hardware maintenance records and software maintenance records of the vehicle; the device also comprises a strategy updating request unit which is used for sending a strategy updating request of the vehicle to the vehicle management platform so that the vehicle management platform updates the access control strategy of the vehicle stored in the block chain through the vehicle node according to the strategy updating request.

Optionally, the apparatus further comprises: and the private key providing unit is used for providing the private key of the vehicle to the vehicle management platform, so that the vehicle management platform can decrypt the dynamic characteristic data stored in the block chain by adopting the private key of the vehicle to obtain the dynamic parameters of the vehicle, or decrypt the stored dynamic parameter ciphertext of the vehicle to obtain the dynamic parameters of the vehicle.

Fig. 9 is a view showing a block chain-based vehicle insurance management apparatus provided in an embodiment of the present disclosure, which is applied to an insurance company platform, where the insurance company platform is connected to a block chain through an insurance company node, the block chain further includes a vehicle node connected to a vehicle management platform, and dynamic feature data of an insured vehicle is stored in the block chain, where the dynamic feature data is generated by the vehicle management platform according to an original dynamic parameter sent by the insured vehicle and uploaded to the block chain through the vehicle node for storage, and the original dynamic parameter includes at least one of a working parameter of a driving component and a working parameter of a driving assistance function; the device comprises a claim settlement request receiving unit, a dynamic parameter request unit and an accident liability judgment unit, wherein: the claim settlement request receiving unit is used for receiving a claim settlement request of the insurance vehicle from the insurance vehicle or a vehicle owner terminal of the insurance vehicle; the dynamic parameter request unit is used for sending a dynamic parameter request of the insurance vehicle to the vehicle management platform and receiving a vehicle dynamic parameter returned by the vehicle management platform; the vehicle dynamic parameters are obtained by a vehicle management platform according to the dynamic characteristic data of the insurance vehicle stored in the block chain; and the accident responsibility judgment unit is used for verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicles in the block chain obtained by the insurance company node, and judging the accident responsibility according to the vehicle dynamic parameters after the verification is passed.

Optionally, the accident liability determination unit verifies the vehicle dynamic parameter by using the dynamic feature data of the insured vehicle in the block chain obtained by the insurance company node, where the verification includes one of the following: encrypting the dynamic parameters of the vehicle by using the public key of the insurance vehicle, and if the encrypted data is consistent with the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node, passing the verification; or, calculating the hash value of the vehicle dynamic parameter by adopting a preset hash algorithm, and if the hash value is consistent with the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node, passing the verification.

Optionally, the blockchain stores static parameters of the insurance vehicle, where the static parameters include at least one of hardware parameters, software parameters, hardware maintenance records, and software maintenance records of the vehicle; the accident responsibility judgment unit judges the accident responsibility according to the vehicle dynamic parameters, and comprises the following steps: and judging accident liability according to the vehicle dynamic parameters of the insurance vehicle and the static parameters of the insurance vehicle in the block chain obtained by the insurance company node.

Optionally, the block chain further includes: a social authority node connected to the social authority platform; the device further comprises: and the second dynamic parameter providing unit is used for sending a responsibility confirmation request carrying the vehicle dynamic parameters of the insurance vehicle to the social management organization platform, so that the social management organization platform judges accident responsibility according to the vehicle dynamic parameters after verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicle in the block chain acquired through the social management organization nodes.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the blockchain-based vehicle insurance management method applied to the vehicle management platform in the embodiments of the present specification. For a detailed description of the steps of the block chain-based vehicle insurance management method applied to the vehicle management platform, please refer to the previous contents, which will not be repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the blockchain-based vehicle insurance management method applied to an insured vehicle in the embodiments of this specification. For a detailed description of the steps of the blockchain-based vehicle insurance management method applied to an insurance vehicle, please refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the block chain based vehicle insurance management method on the application insurance company platform in the embodiments of the present specification. For a detailed description of the steps of the block chain-based vehicle insurance management method applied to the insurance company platform, please refer to the previous contents, which will not be repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs, which, when executed by a processor, perform the steps of the blockchain-based vehicle insurance management method applied to a vehicle management platform in the embodiments of the present description. For a detailed description of the steps of the block chain-based vehicle insurance management method applied to the vehicle management platform, please refer to the previous contents, which will not be repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs which, when executed by a processor, perform the steps of the blockchain-based vehicle insurance management method applied to an insured vehicle in embodiments of the present description. For a detailed description of the steps of the blockchain-based vehicle insurance management method applied to an insurance vehicle, please refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs which, when executed by a processor, perform the steps of the blockchain-based vehicle insurance management method on an application insurance company platform in embodiments of the present description. For a detailed description of the steps of the block chain-based vehicle insurance management method applied to the insurance company platform, please refer to the previous contents, which will not be repeated.

While the invention has been described in terms of what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not to be limited to the disclosed embodiment, but on the contrary, is intended to cover various modifications, equivalents, and alternatives falling within the spirit and scope of the invention as defined by the appended claims.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

Claims

1. A vehicle insurance management method based on a block chain is applied to a vehicle management platform, the block chain comprises vehicle nodes and insurance company nodes, and the method comprises the following steps:

2. The method of claim 1, the generating dynamic characterization data for the insured vehicle using the received raw dynamic parameters, comprising: sequencing and de-weighting the received original dynamic parameters to obtain vehicle dynamic parameters, and encrypting the vehicle dynamic parameters by adopting a public key of the insurance vehicle to obtain dynamic characteristic data of the insurance vehicle;

the obtaining of the vehicle dynamic parameters according to the dynamic characteristic data of the insurance vehicle stored in the block chain comprises the following steps: and decrypting the dynamic characteristic data of the insurance vehicle stored in the block chain by using the private key of the insurance vehicle to obtain the dynamic parameters of the vehicle.

3. The method of claim 1, the generating dynamic characterization data for the insured vehicle using the received raw dynamic parameters, comprising: sequencing and de-weighting the received original dynamic parameters to obtain vehicle dynamic parameters, calculating the hash value of the vehicle dynamic parameters by adopting a preset hash algorithm, and taking the hash value as the dynamic characteristic data of the insured vehicle;

the method further comprises the following steps: after the vehicle dynamic parameters of the insurance vehicle are encrypted by the public key of the insurance vehicle, the ciphertext of the vehicle dynamic parameters is stored;

the obtaining of the vehicle dynamic parameters according to the dynamic characteristic data of the insurance vehicle stored in the block chain comprises the following steps: and reading the stored vehicle dynamic parameter ciphertext corresponding to the dynamic characteristic data of the insured vehicle, and decrypting by using the private key of the insured vehicle to obtain the vehicle dynamic parameter.

4. The method of claim 1, the operational parameters of the travel component comprising at least one of: the rotating speed and oil temperature data of the running engine, the tire pressure and the brake pad wear data;

the operating parameters of the driving assistance function include at least one of the following; working state parameters of the driving assistance function and output parameters of the driving assistance function;

the driving assistance function includes at least one of: the system comprises a constant-speed cruise function, an automatic emergency brake AEB, an automatic parking assistant APA, a front collision early warning FCW, a lane departure correction LKA, a lane departure early warning LDW, a self-adaptive cruise ACCA with a stop function and a side blind area monitoring BSD.

5. The method of claim 1, the blockchain further comprising: a social authority node connected to the social authority platform;

the method further comprises the following steps: and sending the vehicle dynamic parameters obtained according to the dynamic characteristic data of the insurance vehicle stored in the block chain to a social management organization platform, so that the social management organization platform judges accident responsibility according to the vehicle dynamic parameters after verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained through the social management organization nodes.

6. The method of claim 1, the blockchain having stored therein static parameters of the insured vehicle, the static parameters including at least one of hardware parameters, software parameters, hardware service records, software service records of a vehicle; the static parameters are used for accident responsibility judgment by the insurance company node or the insurance company node and the social management organization node.

7. The method of claim 6, the blockchain further comprising at least one of: a repair facility node, an intelligent service provider node, a vehicle manufacturer node;

the access control strategy of the insurance vehicle is stored in the blockchain; the access control strategy is used for updating the access control strategy when the static parameter updating request is judged to accord with the access control strategy of the insured vehicle after the repair mechanism node, the intelligent service provider node and/or the vehicle manufacturer node of the block chain receive the static parameter updating request for the insured vehicle, otherwise, the static parameter updating request is refused;

the method further comprises the following steps: after receiving a strategy updating request sent by an insurance vehicle or a vehicle owner terminal of the insurance vehicle, updating the access control strategy of the insurance vehicle stored in the block chain through a vehicle node according to the strategy updating request.

8. The method of claim 6, the hardware parameters comprising at least one of: an engine serial number, a tire serial number, a transmission serial number;

the software parameters include at least one of: the name and the version number of the navigation application program, the name and the version number of the voice assistant, and the name and the version number of the vehicle-mounted computer operating system.

9. A vehicle insurance management method based on a block chain is applied to an insurance vehicle, the block chain comprises vehicle nodes and insurance company nodes, and the method comprises the following steps:

10. The method of claim 9, the operational parameters of the travel component comprising at least one of: the rotating speed and oil temperature data of the running engine, the tire pressure and the brake pad wear data;

11. The method of claim 9, the blockchain further comprising at least one of: a repair facility node, an intelligent service provider node, a vehicle manufacturer node;

the block chain stores the access control strategy and static parameters of the vehicle; the access control strategy is used for updating the access control strategy when the static parameter updating request is judged to accord with the access control strategy of the vehicle after the repair mechanism node, the intelligent service provider node and/or the vehicle manufacturer node of the block chain receive the static parameter updating request of the vehicle, otherwise, the static parameter updating request is rejected; the static parameters comprise at least one of hardware parameters, software parameters, hardware maintenance records and software maintenance records of the vehicle;

the method further comprises the following steps: and sending a policy updating request of the vehicle to the vehicle management platform so that the vehicle management platform updates the access control policy of the vehicle stored in the block chain through the vehicle node according to the policy updating request.

12. The method of claim 9, further comprising: and providing the private key of the vehicle to the vehicle management platform, so that the vehicle management platform can decrypt the dynamic characteristic data stored in the block chain by adopting the private key of the vehicle to obtain the dynamic parameters of the vehicle, or decrypt the stored dynamic parameter ciphertext of the vehicle to obtain the dynamic parameters of the vehicle.

13. A vehicle insurance management method based on a block chain is applied to an insurance company platform, the insurance company platform is connected to the block chain through insurance company nodes, the block chain further comprises vehicle nodes connected with the vehicle management platform, dynamic characteristic data of an insurance vehicle are stored in the block chain, the dynamic characteristic data are generated by the vehicle management platform according to original dynamic parameters sent by the insurance vehicle and are uploaded to the block chain for storage through the vehicle nodes, and the original dynamic parameters comprise at least one of working parameters of a running part and working parameters of a running auxiliary function; the method comprises the following steps:

14. The method of claim 13, said verifying the vehicle dynamic parameters using dynamic characterization data of the insured vehicle in the blockchain obtained by the insurer node, comprising one of:

encrypting the dynamic parameters of the vehicle by using the public key of the insurance vehicle, and if the encrypted data is consistent with the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node, passing the verification; or the like, or, alternatively,

and calculating the hash value of the vehicle dynamic parameter by adopting a preset hash algorithm, and if the hash value is consistent with the dynamic characteristic data of the insurance vehicle in the block chain obtained by the insurance company node, passing the verification.

15. The method of claim 13, the operational parameters of the travel component comprising at least one of: the rotating speed and oil temperature data of the running engine, the tire pressure and the brake pad wear data;

16. The method of claim 13, the blockchain having stored therein static parameters of the insured vehicle, the static parameters including at least one of hardware parameters, software parameters, hardware service records, software service records of a vehicle;

the method for judging accident responsibility according to the vehicle dynamic parameters comprises the following steps: and judging accident liability according to the vehicle dynamic parameters of the insurance vehicle and the static parameters of the insurance vehicle in the block chain obtained by the insurance company node.

17. The method of claim 13, the blockchain further comprising: a social authority node connected to the social authority platform;

the method further comprises the following steps: and sending a responsibility confirmation request carrying the vehicle dynamic parameters of the insurance vehicle to a social management organization platform, so that the social management organization platform judges accident responsibility according to the vehicle dynamic parameters after verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained by the social management organization nodes.

18. A vehicle insurance management device based on a block chain, which is applied to a vehicle management platform, wherein the block chain comprises vehicle nodes and insurance company nodes, and the device comprises:

19. The apparatus of claim 18, the feature data storage unit to generate dynamic feature data for the insured vehicle using the received raw dynamic parameters, comprising: sequencing and de-weighting the received original dynamic parameters to obtain vehicle dynamic parameters, and encrypting the vehicle dynamic parameters by adopting a public key of the insurance vehicle to obtain dynamic characteristic data of the insurance vehicle;

the dynamic parameter recovery unit obtains vehicle dynamic parameters according to the dynamic characteristic data of the insurance vehicle stored in the block chain, and the dynamic parameter recovery unit comprises: and decrypting the dynamic characteristic data of the insurance vehicle stored in the block chain by using the private key of the insurance vehicle to obtain the dynamic parameters of the vehicle.

20. The apparatus of claim 18, the feature data storage unit to generate dynamic feature data for the insured vehicle using the received raw dynamic parameters, comprising: sequencing and de-weighting the received original dynamic parameters to obtain vehicle dynamic parameters, calculating the hash value of the vehicle dynamic parameters by adopting a preset hash algorithm, and taking the hash value as the dynamic characteristic data of the insured vehicle;

the device further comprises: the dynamic parameter ciphertext storage unit is used for storing the vehicle dynamic parameter ciphertext of the vehicle after the vehicle dynamic parameter of the insurance vehicle is encrypted by the public key of the insurance vehicle;

the dynamic parameter recovery unit obtains vehicle dynamic parameters according to the dynamic characteristic data of the insurance vehicle stored in the block chain, and the dynamic parameter recovery unit comprises: and reading the stored vehicle dynamic parameter ciphertext corresponding to the dynamic characteristic data of the insured vehicle, and decrypting by using the private key of the insured vehicle to obtain the vehicle dynamic parameter.

21. The apparatus of claim 18, the operational parameters of the travel component comprising at least one of: the rotating speed and oil temperature data of the running engine, the tire pressure and the brake pad wear data;

22. The apparatus of claim 18, the blockchain further comprising: a social authority node connected to the social authority platform;

the device further comprises: and the first dynamic parameter providing unit is used for sending the vehicle dynamic parameters obtained according to the dynamic characteristic data of the insurance vehicle stored in the block chain to the social management organization platform, so that the social management organization platform can judge accident responsibility according to the vehicle dynamic parameters after verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicle in the block chain obtained by the social management organization node.

23. The apparatus of claim 18, the blockchain having stored therein static parameters of the insured vehicle, the static parameters including at least one of hardware parameters, software parameters, hardware service records, software service records of a vehicle; the static parameters are used for accident responsibility judgment by the insurance company node or the insurance company node and the social management organization node.

24. The apparatus of claim 23, the blockchain further comprises at least one of: a repair facility node, an intelligent service provider node, a vehicle manufacturer node;

the device further comprises: and the access strategy updating unit is used for updating the access control strategy of the insurance vehicle stored in the block chain through the vehicle node according to the strategy updating request after receiving the strategy updating request sent by the insurance vehicle or the owner terminal of the insurance vehicle.

25. The apparatus of claim 23, the hardware parameters comprising at least one of: an engine serial number, a tire serial number, a transmission serial number;

26. A vehicle insurance management device based on a block chain is applied to an insurance vehicle, the block chain comprises vehicle nodes and insurance company nodes, and the device comprises:

27. The apparatus of claim 26, the operational parameters of the travel component comprising at least one of: the rotating speed and oil temperature data of the running engine, the tire pressure and the brake pad wear data;

28. The apparatus of claim 26, the blockchain further comprises at least one of: a repair facility node, an intelligent service provider node, a vehicle manufacturer node;

the device further comprises: and the policy updating request unit is used for sending a policy updating request of the vehicle to the vehicle management platform so that the vehicle management platform updates the access control policy of the vehicle stored in the block chain through the vehicle node according to the policy updating request.

29. The apparatus of claim 26, the apparatus further comprising: and the private key providing unit is used for providing the private key of the vehicle to the vehicle management platform, so that the vehicle management platform can decrypt the dynamic characteristic data stored in the block chain by adopting the private key of the vehicle to obtain the dynamic parameters of the vehicle, or decrypt the stored dynamic parameter ciphertext of the vehicle to obtain the dynamic parameters of the vehicle.

30. A vehicle insurance management device based on a block chain is applied to an insurance company platform, the insurance company platform is connected to the block chain through insurance company nodes, the block chain further comprises vehicle nodes connected with the vehicle management platform, dynamic characteristic data of an insurance vehicle are stored in the block chain, the dynamic characteristic data are generated by the vehicle management platform according to original dynamic parameters sent by the insurance vehicle and are uploaded to the block chain for storage through the vehicle nodes, and the original dynamic parameters comprise at least one of working parameters of a running part and working parameters of a running auxiliary function; the device comprises:

31. The apparatus of claim 30, the accident liability determination unit employing dynamic characterization data of the insured vehicle in a blockchain obtained through an insurance company node to validate the vehicle dynamic parameters, including one of:

32. The apparatus of claim 30, the operational parameters of the travel component comprising at least one of: the rotating speed and oil temperature data of the running engine, the tire pressure and the brake pad wear data;

33. The apparatus of claim 30, the blockchain having stored therein static parameters of the insured vehicle, the static parameters including at least one of hardware parameters, software parameters, hardware service records, software service records of a vehicle;

the accident responsibility judgment unit judges the accident responsibility according to the vehicle dynamic parameters, and comprises the following steps: and judging accident liability according to the vehicle dynamic parameters of the insurance vehicle and the static parameters of the insurance vehicle in the block chain obtained by the insurance company node.

34. The apparatus of claim 30, the blockchain further comprising: a social authority node connected to the social authority platform;

the device further comprises: and the second dynamic parameter providing unit is used for sending a responsibility confirmation request carrying the vehicle dynamic parameters of the insurance vehicle to the social management organization platform, so that the social management organization platform judges accident responsibility according to the vehicle dynamic parameters after verifying the vehicle dynamic parameters by adopting the dynamic characteristic data of the insurance vehicle in the block chain acquired through the social management organization nodes.

35. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 1 to 8.

36. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 9 to 12.

37. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 13 to 17.

38. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any one of claims 1 to 8.

39. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any of claims 9 to 12.

40. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any of claims 13 to 17.