CN113222770A - DEFI vehicle insurance economy mutual aid method and device - Google Patents
DEFI vehicle insurance economy mutual aid method and device Download PDFInfo
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Abstract
The application provides a DEFI (DEFI vehicle insurance) economic mutual-help method and device, wherein the method analyzes whether a insured user is a high-risk user or not through driving information of the insured user, if the insured user is not the high-risk user, the insured user agrees to join a mutual-help group, the insured user is added into a alliance chain to serve as a node of the alliance chain and reach a consensus rule, an intelligent contract is signed for each insured user, and each person pays a fixed share of assets. If the people in the mutual-aid group need insurance, after the insurance situation is processed and analyzed, insurance funds are divided from the total assets paid by the multiple people in the mutual-aid group. According to the scheme, high-risk users are screened out, and a low-risk trading environment is provided for the users participating in the alliance chain.
Description
Technical Field
The application relates to the technical field of block chains, in particular to a DEFI (DEFI vehicle insurance) economic mutual aid method and device.
Background
Vehicle insurance refers to a kind of commercial insurance for paying for personal casualties or property losses caused by natural disasters or accidents of motor vehicles. With the development of insurance business, more and more users choose to purchase car insurance to provide long-term guarantee for the users. Currently, in the process of settlement of insurance transactions, users pay insurance premiums to insurance companies according to personal requirements. When the user submits a claim application, the insurance company makes a claim for the user.
Of course, there is also "a block chain-based aviation delay mutual aid method" proposed in the prior art under publication No. CN 111539835A, which discloses a technical solution of "all undelayed users will be paid by the invited funds in the block chain that will be spent by all the undelayed users". However, in the aviation delay mutual aid scheme, the aviation delay is uncontrollable, which is not subjectively affected by users within the block chain, and the settlement cost of flight information is fixed, so it is relatively fair to use the solicited funds spent by the undelayed users to pay for the delayed users. In the financial insurance mutual-help scheme, because the financial insurance has no unified price, the reimbursement cost is not equal. And the probability of car insurance can be influenced by the human factors of the driver, which also causes that the existing insurance mutual-help scheme can not be directly applied to the car insurance mutual-help.
In summary, no effective solution is currently available to the above problems of the prior art insurance transaction settlement schemes.
Disclosure of Invention
The embodiment of the application provides a DEFI (DEFI) car insurance economy mutual aid method and device, and can solve the problem that whether a user is a high-risk user or not is identified when multiple persons mutually guarantee.
In a first aspect, an embodiment of the present application provides a DEFI car insurance economy mutual aid method, including the following steps: acquiring the driving information of a plurality of insurance participating users based on the purchase request of the target insurance product, and judging whether the insurance participating users are high-risk users or not according to the driving information; adding each organization and the insurance participating users judged to be negative into the alliance chain to serve as nodes of the alliance chain, achieving a consensus rule, and signing an intelligent contract for each insurance participating user in the alliance chain; generating insurance information on nodes of the alliance chain based on a claim application provided by any insurance participating user, and confirming whether the insurance information is real or not by mechanisms and insurance participating users in the alliance chain; and if the confirmation is true, executing fund settlement based on a preset rule in the intelligent contract.
In a second aspect, an embodiment of the present application provides a DEFI car insurance economy mutual aid device, including: the information acquisition module is used for acquiring the driving information of a plurality of insurance participating users based on the purchase request of the target insurance product and judging whether the insurance participating users are high-risk users or not according to the driving information; the alliance chain building module is used for adding all the enterprises and the insurance-participating users judged to be negative into the alliance chain to serve as nodes of the alliance chain, achieving a consensus rule and signing an intelligent contract for each insurance-participating user in the alliance chain; the insurance exposure module is used for generating insurance exposure information on nodes of the alliance chain based on a claim application proposed by any insurance participating user, and the enterprises and the insurance participating users in the alliance chain confirm whether the insurance exposure information is real or not; and the claim settlement module executes fund settlement based on a preset rule in the intelligent contract if the claim settlement module confirms that the fund settlement is real.
In a third aspect, the present application proposes a computer device comprising one or more processors and one or more memories having stored therein at least one program code, the at least one program code being loaded and executed by the one or more processors to implement the operations performed by the DEFI car insurance economic mutual aid method according to any of the first aspects.
The main contributions and innovation points of the invention are as follows:
the scheme provides a DEFI (DEFI vehicle insurance) economic mutual-help method, whether a insured user is a high-risk user is analyzed through driving information of the insured user, if not, the insured user agrees to join a mutual-help group, the insured user is added to a alliance chain to serve as a node of the alliance chain and reach a consensus rule, an intelligent contract is signed for each insured user, and each person pays a fixed share of assets. If the people in the mutual-aid group need insurance, after the insurance situation is processed and analyzed, insurance funds are divided from the total assets paid by the multiple people in the mutual-aid group. According to the scheme, high-risk users are screened out, and a low-risk and credible trading environment is provided for the users participating in the alliance chain.
The details of one or more embodiments of the application are set forth in the accompanying drawings and the description below to provide a more thorough understanding of the application.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
FIG. 1 is a flow chart of a DEFI vehicle insurance economy mutual aid method according to an embodiment of the present application;
FIG. 2 is a block diagram of a federation chain constructed in an embodiment of the present invention;
FIG. 3 is a block diagram illustrating a structure of a claim filing application of a participating user in any federation chain in accordance with an embodiment of the present invention;
FIG. 4 is a block diagram of a DEFI fare economy mutual aid according to an embodiment of the present application;
fig. 5 is a schematic diagram of a hardware structure of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.
It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.
In order to facilitate understanding of the technical processes of the embodiments of the present application, some terms referred to in the embodiments of the present application are explained below:
decentralized Finance (DEFI): the method is an application of various financial fields established in an open decentralized network, aims to establish a multi-level financial system, and recreates and perfects the existing financial system on the basis of a block chain technology and cryptocurrency.
Blockchain (Blockchain): the method is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. The blockchain is essentially a decentralized database, which is a string of data blocks associated by using cryptography, each data block contains information of a batch of network transactions, and the information is used for verifying the validity (anti-counterfeiting) of the information and generating the next block.
Consensus mechanism (Consensus mechanism): the block chain system is a mathematical algorithm for establishing trust and obtaining rights and interests among different nodes. In the block chain system, the verification and confirmation of the transaction can be completed in a short time through the voting of special nodes, and if a plurality of nodes with irrelevant benefits can achieve consensus on a transaction, all the nodes in the system can also achieve consensus on the transaction.
Smart contract (Smart contract): is a computer protocol intended to propagate, validate or execute contracts in an informational manner. Each node in the blockchain system can automatically execute a contract program according to a specific condition, can operate data stored in the chain, and is an important way for a user to interact with the blockchain and realize business logic by using the blockchain. The goal of smart contracts is to provide a secure method over traditional contracts and to reduce other transaction costs associated with the contracts, which allows for trusted transactions that are traceable and irreversible without third parties.
Example one
Fig. 1 is a flowchart of a DEFI vehicle insurance economy mutual aid method according to an embodiment of the present application, which, as described in fig. 1, includes the following steps S101 to S104:
and step S101, acquiring the driving information of a plurality of insurance participating users based on the purchase request of the target insurance product, and judging whether the insurance participating users are high-risk users or not according to the driving information.
In step S101, the driving information at least includes abnormal driving behavior, traffic accident, claim settlement amount, and car damage degree, and the "determining whether the insured user is a high risk user according to the driving information" includes at least one of the following: collecting dangerous driving behaviors of the insured users, comparing the occurrence frequency of the dangerous driving behaviors with a first preset threshold, and if the occurrence frequency exceeds the first preset threshold, judging the dangerous driving behaviors as high-risk users; collecting traffic accidents of the users participating in the insurance, comparing the occurrence frequency of the traffic accidents with a second preset threshold value, and if the occurrence frequency exceeds the second preset threshold value, judging the users as high-risk users; collecting the claim settlement amount of the insurance participating user, comparing the claim settlement amount with a third preset threshold value, and if the claim settlement amount exceeds the third preset threshold value, judging the insurance participating user to be a high-risk user; and collecting the vehicle loss degree of the security-participating user, comparing the vehicle loss degree with a fourth threshold value, and if the vehicle loss degree exceeds the fourth threshold value, judging the security-participating user to be a high-risk user.
In this step, whether the user is a high-risk user is judged based on information such as driving behavior analysis, traffic accidents, claim settlement amount, loss degree and the like, and if not, the user is allowed to join the alliance chain. The information of driving behavior analysis, traffic accidents, claim settlement amount, loss degree and the like can be obtained from a traffic administration database, the frequency of dangerous driving behaviors can be calculated according to the ratio of the times of abnormal driving behaviors to the driving age, the dangerous driving behaviors can be overspeed driving, drunk driving, red light running, forced overtaking, fatigue driving, overtaking/overloading and the like, the dangerous driving behaviors are easy to cause traffic accidents, if the dangerous frequency is too high, the insured user is a high-risk user, and the probability of danger needing to be given out after the insured user joins the alliance chain is higher. Similarly, the traffic accident may also reflect the risk probability of the insured user, and if the risk probability is high, the probability is unfair to other insured users in the same alliance chain, so that the user with high traffic accident rate is identified as a high-risk user, and the alliance chain is not added. In addition, the claim settlement amount and the vehicle damage degree reflect the insurance amount of the insurance participating users, if the amount is too high, the fact that the maintenance cost which is commonly borne by other insurance participating users in the alliance chain is required for one insurance of the user is too high, and therefore the user with the high claim settlement amount and the high vehicle damage degree is identified as the high-risk user and is not added into the alliance chain.
Through the step S101, the embodiment of the present invention realizes identifying the risk of the insurance-participating user before constructing the federation chain, and provides a low-risk transaction environment for the insurance-participating user in the federation chain.
And S102, adding each mechanism and the guaranteed users judged to be negative into the alliance chain to serve as nodes of the alliance chain, achieving an consensus rule, and signing an intelligent contract for each guaranteed user in the alliance chain.
In step S102, if it is determined that the insured user is a high risk user, the insured user is not joined to the federation chain.
In step S102, the organization includes banks, insurance companies and insurance monitoring departments, and the "signing an intelligent contract for each of the participating users" includes: and after purchasing insurance through the bank or the insurance company, each insurance participating user generates insurance policy information, encrypts the insurance policy information and spreads the insurance policy information to the alliance chain, and the bank or the insurance company and the insurance policy holder decrypt the insurance policy information and verify the insurance policy information respectively, and if the verification is passed, the insurance policy information is stored in the alliance chain as the intelligent contract signed by the insurance participating user.
In this step, the organizations such as banks, insurance companies, and insurance guards need to be connected to the alliance chain according to the agreement, and all parties reach the agreement and follow the contract together. The insurance monitoring party performs qualification verification on the insurance company and the bank. The participating users sign intelligent contracts with banks or insurance companies, and when any participating user submits a claim settlement application, the banks or insurance companies signed the intelligent contracts with the client verify whether the policy information is real and valid. If and only if the insurance party passes the verification of the bank or the insurance company, the insurance policy information is stored on the alliance chain in the mode of the intelligent contract.
Illustratively, fig. 2 is a block diagram of a federation chain constructed in an embodiment of the present invention. Referring to fig. 2, institutions such as bank C1, bank C2, insurance company B1, and insurance department D, as well as insured user a1, insured user a2, and insured user A3, are joined to the federation chain as nodes of the federation chain. The bank C1, the bank C2 and the insurance company B1 are subjected to qualification checks by the insurance department C. The insurance participating user A1, the insurance participating user A2 and the insurance participating user A3 in the alliance chain can make insurance online with the bank C1, the bank C2 and the insurance company B1, and then the insurance policy information is encrypted and broadcasted in the chain. And performing consensus verification by other mechanisms on the chain, and if the verification is passed, storing the policy information in the alliance chain in an intelligent contract mode.
In one possible implementation, the policy information includes insurance product information, insurance application information, and the "verification by the bank or the insurance company, and the policy maker after decrypting the policy information respectively" includes: the bank or the insurance company decrypts the insurance policy information and then verifies the insurance application information, and if the insurance policy information passes the verification, the verification result is stored in the alliance chain; and the insurance party decrypts the insurance policy information and then carries out filing verification on the insurance product information.
In the embodiment of the application, the insurance policy information is disclosed and transparent on the alliance chain, so that data can be shared among the insurance guild, the bank and the insurance company on the node of the alliance chain, the authenticity and the integrity of the data are guaranteed, the qualification of the insurance company and the bank is audited through the insurance guild, the access threshold of the chain linking mechanism is controlled, and the information safety of the insured user is guaranteed.
Through the step S102, the embodiment of the present invention realizes a technical scheme for enabling each organization and multiple security-participating users to jointly participate in policy information verification, solves the problem that the consensus algorithm of each node of the distributed system resists external attacks, ensures that data in the federation chain cannot be tampered with, ensures that policy information is real and effective, and provides a credible transaction environment for the security-participating users.
Step S103, generating insurance information on the nodes of the alliance chain based on the claim application proposed by any insurance participating user, and confirming whether the insurance information is real by the institutions and the insurance participating users in the alliance chain.
In this step, when any insurance participating user needs to take insurance, the insurance participating user who needs to take insurance submits a claim application to the insurance application mechanism and uploads insurance information by himself, the insurance information is encrypted and then stored in the nodes of the alliance chain, all the mechanisms and the insurance participating users who participate in the intelligent contract can decrypt the insurance information through respective private keys and then check the corresponding information, and confirm whether the data is real, if the data is real, the intelligent contract is triggered to carry out the next step.
For example, fig. 3 is a block diagram illustrating a structure of a request for claim by a user in any federation chain in accordance with an embodiment of the present invention. Referring to fig. 3, user a2 makes a claim to bank C2 and uploads the occurrence information, which is encrypted and uploaded into the blockchain network so that members in the federation chain: the user A1, the user A3, the bank C1, the bank C2, the insurance company B1 and the prisoner D can check the corresponding information and confirm whether the data is real or not by members in the alliance chain.
Through the above S103, the embodiment of the present invention realizes that the insurance information is disclosed and transparent on the federation chain, so that the member on the node of the federation chain performs information verification on the insurance information uploaded by any insurance-participating user, the policy information is uploaded to the federation chain by encryption, each node of the federation chain decrypts and verifies whether the insurance information is real by using each private key, and it is ensured that the data in the federation chain cannot be tampered.
And step S104, if the result is confirmed to be true, executing fund settlement based on a preset rule in the intelligent contract.
In step S104, the insurance information includes insurance certificate and maintenance cost, and the "performing fund settlement based on the preset rule in the intelligent contract" includes: generating mutual aid amount for each insurance participating user in the intelligent contract; obtaining the mutual help amount of each insurance participating user to obtain the total vehicle insurance assets; and acquiring the apportioned assets from the total vehicle insurance assets, and taking the apportioned assets as maintenance cost.
In this step, mutual insurance rules are preset in the intelligent contract, that is, when the intelligent contract is signed, each insured user pays a fixed share of mutual help amount to form a vehicle insurance mutual insurance group. If the people in the vehicle insurance mutual insurance group need to claim for insurance, the insurance situation is confirmed, and insurance money is divided from the total assets paid by the multiple people in the vehicle insurance mutual insurance group as maintenance cost. It should be noted that the insurance premium as a claim settlement fee may be less than, equal to or even greater than the fee generated by the actual maintenance. From the perspective that the amount of money actually claimed by the traditional insurance project is maintenance cost, the actual maintenance generates cost in the scheme, and the claim is paid. Compared with the traditional mutual-aid car repairing method, the method has the advantages that the claim settlement is in a small and micro amount, and the claim items are accidents such as scratch and scratch, which are not claimed in car insurance. The scheme can be applied to the traditional insurance transaction project and can carry out claims based on the actual maintenance cost of the insurance users in the alliance chain.
Further, in this embodiment, each insured user pays a fixed share of mutual help amount to obtain the total vehicle insurance assets, and the maintenance cost is divided from the total vehicle insurance assets. When any insurance-participating user in the alliance chain has the condition of requiring claims, each insurance-participating user (including the insurance-participating user who submits the claims application) shares the maintenance cost.
In another possible implementation, "performing funds settlement based on preset rules within the intelligent contract" includes: generating mutual aid amount for each insurance participating user in the intelligent contract; allocating a first weight ratio to each participatory protection user who puts forward a claim application in the alliance chain, and allocating a second weight ratio to each other participatory protection user in the alliance chain, wherein the first weight ratio is larger than the second weight ratio, and the sum of the first weight ratio and all the second weight ratios is equal to 1; calculating the product of the first weight ratio and the maintenance cost to obtain a first shared asset to be shared by the protection-participating users who propose the claim application, and acquiring the first shared asset from the mutual help amount of the protection-participating users who propose the claim application;
calculating the product of the second weight ratio and the maintenance cost to obtain second shared assets which are required to be shared by other insured users, and acquiring the second shared assets from mutual help amounts of the other insured users; the sum of the first contribution asset and the second contribution asset is taken as the maintenance cost.
Another way of apportioning the maintenance costs is proposed in this embodiment: the participating users who submit the claims application need to bear higher allocated assets than the rest participating users. By setting the apportionment weight ratio, other insurance participating users who do not apply for claims can bear less maintenance cost.
In this example, the mode of setting the apportionment weight ratio can enable the insurance-participating users who do not submit the claim application within the term of the intelligent contract to have more insurance premium, and avoid that the mutual help amount of all the insurance-participating users in the alliance chain is apportioned to be over due to the excessive times of submitting the claim application by some people in the intelligent contract.
In addition, another possible implementation manner is also provided in the embodiments of the present application, in which a high-risk user is added to a federation chain as a node of the federation chain as a participating and protecting user, and a consensus rule is reached with nodes of other federation chains; allocating a risk coefficient based on driving information of a high-risk user; allocating a third weight ratio to the high-risk user who puts forward the claim application in the alliance chain, wherein the third weight ratio is the product of the risk coefficient and the first weight ratio; and calculating the product of the third weight ratio and the maintenance cost to obtain a third apportioned asset to be apportioned by the high-risk user who proposes the claim application.
In this embodiment, a third way of distributing the maintenance costs is proposed: the high-risk user is added into the alliance chain to serve as one of the mutual-help vehicle insurance groups, a risk coefficient is determined for the high-risk user, the risk coefficient is larger than 1 and can be 1.2, 1.3, 2.2, 5 and the like, the high-risk user skills participate in mutual vehicle insurance mutual-help by setting the risk coefficient, more expenses are borne during insurance, the loss of other low-risk users is reduced, and the situation that the mutual-help money amount of other insurers in the alliance chain is shared out due to the fact that the number of times of claim application submitted by the high-risk user is too large or the money amount is too large is avoided.
The DEFI vehicle insurance economy mutual aid method provided by the embodiment of the invention analyzes whether the insured user is a high-risk user or not through the driving information of the insured user, if not, the insured user agrees to join the mutual aid group, the insured user is added into the alliance chain to be used as the node of the alliance chain and reach the consensus rule, an intelligent contract is signed for each insured user, and each person pays a fixed share of assets. If the people in the mutual-aid group need insurance, after the insurance situation is processed and analyzed, insurance funds are divided from the total assets paid by the multiple people in the mutual-aid group. According to the scheme, high-risk users are screened out, and a low-risk trading environment is provided for the users participating in the alliance chain. The content of the rules in the intelligent contract is similar to the insurance contract, and the intelligent contract is different from the traditional contract such as the insurance contract in that the rules in the intelligent contract are preset and cannot be tampered, so that the credible transaction is allowed to be carried out without a third party, and the transaction can be tracked and can not be reversed. And if the insurance user needs to make an insurance, the insurance user who needs to make an insurance proposes a claim application and uploads insurance information to the alliance chain by himself, the related parties in the alliance chain node confirm whether the insurance information is real, if so, the fund settlement step is carried out, and insurance funds are divided from the total assets funded by multiple persons of the insurance user group according to preset rules in the intelligent contract to settle the claim.
According to the traditional mutual insurance technical scheme, high-risk users are not identified before a mutual insurance group is established, so that the insurance frequency of the high-risk users is too high, the mutual insurance amount of other insured persons in a alliance chain is rapidly distributed due to large insurance amount, the benefits of low-risk persons which do not appear in the alliance chain for a long time cannot be guaranteed for a long time, and the existing mutual insurance cannot be used in the field of vehicle insurance mutual insurance. The method is different from the prior art in that risk identification is carried out on the insured users before the alliance chain is constructed, so that the risk of the risk users joining the nodes of the alliance chain is reduced, and the benefit of each insured user in the alliance chain is guaranteed. Meanwhile, under the trusted transaction environment without a third party, the insurance participation user generates much maintenance cost in actual maintenance, namely, the maintenance cost can be settled.
In addition, the technology of the scheme also lies in that the verification of the claim application and the insurance information is realized by adopting the decentralized alliance link technology, the authenticity and the tamper resistance of the data are ensured, the conditions of cheat insurance and repeated claim are avoided, and a credible trading environment is provided for the users participating in the alliance link.
Example two
Based on the same concept, the present application also proposes a DEFI car insurance economy mutual aid device, referring to fig. 4, including:
the information acquisition module 401 is configured to acquire driving information of multiple insurance participating users based on a purchase request for a target insurance product, and determine whether the insurance participating users are high-risk users according to the driving information;
a federation chain construction module 402, configured to add each enterprise and the guaranteed users determined as no to a federation chain as nodes of the federation chain and reach a consensus rule, and sign an intelligent contract for each guaranteed user in the federation chain;
the insurance issuing module 403 is configured to generate insurance issuing information on a node of the federation chain based on a claim application submitted by any insurance participating user, and determine whether the insurance issuing information is real by an organization and the insurance participating user in the federation chain;
the claim settlement module 404, if the confirmation is true, performs the fund settlement based on a preset rule within the intelligent contract.
EXAMPLE III
The present embodiment further provides an electronic device, referring to fig. 5, comprising a memory 504 and a processor 502, wherein the memory 504 has a computer program stored therein, and the processor 502 is configured to execute the computer program to perform the steps in any of the above method embodiments.
Specifically, the processor 502 may include a Central Processing Unit (CPU), or A Specific Integrated Circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.
The processor 502 may implement any of the DEFI fare economy mutual aid methods of the above embodiments by reading and executing computer program instructions stored in the memory 504.
Optionally, the electronic apparatus may further include a transmission device 506 and an input/output device 508, wherein the transmission device 506 is connected to the processor 502, and the input/output device 508 is connected to the processor 502.
The transmission device 506 may be used to receive or transmit data via a network. Specific examples of the network described above may include wired or wireless networks provided by communication providers of the electronic devices. In one example, the transmission device includes a Network adapter (NIC) that can be connected to other Network devices through a base station to communicate with the internet. In one example, the transmission device 506 may be a Radio Frequency (RF) module, which is used for communicating with the internet in a wireless manner.
The input and output device 508 is used to input or output information. For example, the input/output device may be a mobile terminal, a display screen, a sound box, a microphone, a mouse, a keyboard, or other devices. In this embodiment, the input information may be information of insurance application, driving information of insurance participating users, policy information, information of institutions, etc., and the input information may be visualized policy information, insurance application status, claim settlement application, etc.
Optionally, in this embodiment, the processor 502 may be configured to execute the following steps by a computer program:
s101, acquiring driving information of a plurality of insurance participating users based on a purchase request of a target insurance product, and judging whether the insurance participating users are high-risk users or not according to the driving information;
s102, adding each mechanism and the insurance participating users judged to be negative into the alliance chain to serve as nodes of the alliance chain, achieving consensus rules, and signing an intelligent contract for each insurance participating user in the alliance chain;
s103, generating insurance information on nodes of the alliance chain based on a claim application proposed by any insurance participating user, and confirming whether the insurance information is real or not by mechanisms and the insurance participating users in the alliance chain;
and S104, if the real result is confirmed, executing fund settlement based on a preset rule in the intelligent contract.
It should be noted that, for specific examples in this embodiment, reference may be made to examples described in the foregoing embodiments and optional implementations, and details of this embodiment are not described herein again.
In addition, in combination with the DEFI car insurance economy mutual aid method in the above embodiments, the embodiments of the present application may provide a storage medium to implement. The storage medium having stored thereon a computer program; the computer program, when executed by a processor, implements any of the DEFI car insurance economy mutual aid methods of the embodiments described above.
It should be understood by those skilled in the art that various features of the above embodiments can be combined arbitrarily, and for the sake of brevity, all possible combinations of the features in the above embodiments are not described, but should be considered as within the scope of the present disclosure as long as there is no contradiction between the combinations of the features.
The above examples are merely illustrative of several embodiments of the present application, and the description is more specific and detailed, but not to be construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.
Claims (10)
1. A DEFI car insurance economy mutual aid method, the method comprising:
acquiring the driving information of a plurality of insurance participating users based on the purchase request of the target insurance product, and judging whether the insurance participating users are high-risk users or not according to the driving information;
adding each organization and the insurance participating users judged to be negative into the alliance chain to serve as nodes of the alliance chain, achieving a consensus rule, and signing an intelligent contract for each insurance participating user in the alliance chain;
generating insurance information on nodes of the alliance chain based on a claim application provided by any insurance participating user, and confirming whether the insurance information is real or not by mechanisms and insurance participating users in the alliance chain;
and if the confirmation is true, executing fund settlement based on a preset rule in the intelligent contract.
2. The DEFI car insurance economic mutual aid method according to claim 1, wherein the driving information includes at least abnormal driving behavior, traffic accident, claim amount, car damage degree, and the "determining whether the insured user is a high risk user according to the driving information" includes at least one of:
collecting dangerous driving behaviors of the insured users, comparing the occurrence frequency of the dangerous driving behaviors with a first preset threshold, and if the occurrence frequency exceeds the first preset threshold, judging the dangerous driving behaviors as high-risk users;
collecting traffic accidents of the users participating in the insurance, comparing the occurrence frequency of the traffic accidents with a second preset threshold value, and if the occurrence frequency exceeds the second preset threshold value, judging the users as high-risk users;
collecting the claim settlement amount of the insurance participating user, comparing the claim settlement amount with a third preset threshold value, and if the claim settlement amount exceeds the third preset threshold value, judging the insurance participating user to be a high-risk user;
and collecting the vehicle loss degree of the security-participating user, comparing the vehicle loss degree with a fourth threshold value, and if the vehicle loss degree exceeds the fourth threshold value, judging the security-participating user to be a high-risk user.
3. The DEFI car insurance economic mutual aid method according to claim 1, wherein the insurance information includes insurance certificate, maintenance cost, "performing settlement of funds based on a preset rule within an intelligent contract" includes:
generating mutual aid amount for each insurance participating user in the intelligent contract;
obtaining the mutual help amount of each insurance participating user to obtain the total vehicle insurance assets;
and acquiring the apportioned assets from the total vehicle insurance assets, and taking the apportioned assets as maintenance cost.
4. The DEFI car insurance economy mutual aid method according to claim 3, wherein the "performing settlement of funds based on preset rules within an intelligent contract" comprises:
generating mutual aid amount for each insurance participating user in the intelligent contract;
allocating a first weight ratio to each participatory protection user who puts forward a claim application in the alliance chain, and allocating a second weight ratio to each other participatory protection user in the alliance chain, wherein the first weight ratio is larger than the second weight ratio, and the sum of the first weight ratio and all the second weight ratios is equal to 1;
calculating the product of the first weight ratio and the maintenance cost to obtain a first shared asset to be shared by the protection-participating users who propose the claim application, and acquiring the first shared asset from the mutual help amount of the protection-participating users who propose the claim application;
calculating the product of the second weight ratio and the maintenance cost to obtain second shared assets which are required to be shared by other insured users, and acquiring the second shared assets from mutual help amounts of the other insured users;
the sum of the first contribution asset and the second contribution asset is taken as the maintenance cost.
5. The DEFI ride economy mutual aid method of claim 3, further comprising:
adding high-risk users serving as participatory users into the alliance chain serving as nodes of the alliance chain and achieving consensus rules with the nodes of other alliance chains;
allocating a risk coefficient based on driving information of a high-risk user;
allocating a third weight ratio to the high-risk user who puts forward the claim application in the alliance chain, wherein the third weight ratio is the product of the risk coefficient and the first weight ratio;
and calculating the product of the third weight ratio and the maintenance cost to obtain a third apportioned asset to be apportioned by the high-risk user who proposes the claim application.
6. The DEFI car insurance economy mutual aid method according to claim 1, wherein the institutions include banks, insurance companies and insurance premiums; "sign an intelligent contract for each participating user" includes:
each insurance participating user purchases insurance through a bank or an insurance company to generate insurance policy information, encrypts the insurance policy information and spreads the information to the alliance chain;
the bank or the insurance company and the insurance policy holder respectively decrypt the insurance policy information and then verify the insurance policy information, and if the insurance policy information passes the verification, the insurance policy information is stored in the alliance chain as an intelligent contract signed with the insurance participating user.
7. The DEFI car insurance economic mutual aid method according to claim 6, wherein the policy information includes insurance product information, insurance application information; the verification after the bank or the insurance company and the insurance prison decrypt the policy information respectively comprises the following steps:
the bank or the insurance company decrypts the insurance policy information and then verifies the insurance application information, and if the insurance policy information passes the verification, the verification result is stored in the alliance chain;
the insurance prison decrypts the insurance policy information and then carries out filing verification on the insurance product information.
8. The DEFI car insurance economic mutual aid method according to claim 1, wherein if an insured user is determined to be a high risk user, the insured user is not joined to the federation chain.
9. A DEFI car insurance economy mutual aid device, comprising:
the information acquisition module is used for acquiring the driving information of a plurality of insurance participating users based on the purchase request of the target insurance product and judging whether the insurance participating users are high-risk users or not according to the driving information;
the alliance chain building module is used for adding all the enterprises and the insurance-participating users judged to be negative into the alliance chain to serve as nodes of the alliance chain, achieving a consensus rule and signing an intelligent contract for each insurance-participating user in the alliance chain;
the insurance exposure module is used for generating insurance exposure information on nodes of the alliance chain based on a claim application proposed by any insurance participating user, and the enterprises and the insurance participating users in the alliance chain confirm whether the insurance exposure information is real or not;
and the claim settlement module executes fund settlement based on a preset rule in the intelligent contract if the claim settlement module confirms that the fund settlement is real.
10. A computer device comprising one or more processors and one or more memories having stored therein at least one program code, the at least one program code being loaded and executed by the one or more processors to perform the operations performed by the DEFI car insurance economic mutual aid method of any of claims 1-8.
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Application publication date: 20210806 |