CN113766025A - Vehicle survey damage assessment method, device and system based on block chain - Google Patents
Vehicle survey damage assessment method, device and system based on block chain Download PDFInfo
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Abstract
The utility model provides a vehicle survey loss assessment method, device and system based on a block chain, the method comprises: acquiring vehicle accident information broadcasted by a vehicle-mounted terminal node from a block chain network; generating an automatic claim settlement application confirmation list according to the vehicle accident information, and sending the automatic claim settlement application confirmation list to the block chain network; in response to an owner confirmation instruction obtained from the block chain network, wherein the owner confirmation instruction is used by an owner node for the automatic claim settlement application confirmation list, accident investigation and damage assessment data are obtained through at least one of a vehicle-mounted terminal node, the owner node and a traffic monitoring node; and carrying out investigation and damage assessment on the accident vehicle according to the accident investigation and damage assessment data, and generating investigation and damage assessment information.
Description
Technical Field
The present disclosure relates to the field of blockchain technologies and vehicle survey technologies, and in particular, to a method, an apparatus, and a system for vehicle survey damage assessment based on blockchains.
Background
At present, the claims of car insurance mostly adopt a mobile investigation and claim mode, namely after an insurance company receives the insurance declaration of an insured, an investigator takes a picture for an accident car to investigate and determine the damage by holding an investigation terminal.
Specifically, after receiving the manual report, the insurance company moves the survey personnel to the accident scene for surveying, and takes a picture of the accident scene through the specific survey terminal, so that the vehicle damage evidence is retained, and the vehicle survey and damage assessment are completed. The disadvantage of this method is that the field survey of the survey personnel is needed, the manpower consumption is more, and the survey personnel can not arrive the accident field in time, and the waiting time of the accident vehicle on the field is longer, which is easy to cause traffic jam.
Disclosure of Invention
The present disclosure is directed to at least one of the technical problems in the prior art, and provides a vehicle survey damage assessment method, apparatus and system based on a block chain.
According to a first aspect of the present disclosure, an embodiment of the present disclosure provides a method for vehicle survey damage assessment based on a blockchain, the method including:
acquiring vehicle accident information broadcasted by a vehicle-mounted terminal node from a block chain network;
generating an automatic claim settlement application confirmation list according to the vehicle accident information, and sending the automatic claim settlement application confirmation list to the block chain network;
in response to an owner confirmation instruction obtained from the block chain network, wherein the owner confirmation instruction is used by an owner node for the automatic claim settlement application confirmation list, accident investigation and damage assessment data are obtained through at least one of a vehicle-mounted terminal node, the owner node and a traffic monitoring node;
and carrying out investigation and damage assessment on the accident vehicle according to the accident investigation and damage assessment data, and generating investigation and damage assessment information.
In some embodiments, before the acquiring the vehicle accident information broadcasted by the vehicle-mounted terminal node from the block chain network, the method further includes:
the vehicle-mounted terminal node acquires vehicle running characteristic data and camera data;
the vehicle-mounted terminal node detects whether a vehicle has a collision accident according to the vehicle running characteristic data and the camera data;
under the condition that a collision accident of a vehicle is detected, the vehicle-mounted terminal node generates an initial data block according to vehicle accident information of the vehicle, wherein the vehicle accident information at least comprises current positioning data, a collision intensity characteristic value, a license plate number and accident time;
and the vehicle-mounted terminal node broadcasts the initial data block to the block chain network.
In some embodiments, the vehicle-mounted terminal node generates an initial data block according to vehicle accident information of a vehicle, including:
the vehicle-mounted terminal node performs Hash processing on the vehicle accident information to generate an accident information abstract;
and the vehicle-mounted terminal node generates the initial data block according to the vehicle accident information and the accident information abstract.
In some embodiments, after the vehicle terminal node broadcasts the initial data block into the blockchain network, the method further includes:
the owner node in the block chain network acquires the data block from the block chain network;
the vehicle owner node obtains the vehicle accident information and the accident information abstract according to the data block;
and the owner node stores the data block under the condition of verifying that the license plate number in the vehicle accident information is consistent with the license plate number registered by the owner node.
In some embodiments, after the vehicle terminal node broadcasts the initial data block into the blockchain network, the method further includes:
a verification node in the blockchain network obtains the data block from the blockchain network;
the verification node obtains the vehicle accident information and the accident information abstract according to the data block;
the verification node performs hash processing on the vehicle accident information and compares a hash processing result with the accident information abstract;
the acquiring of the vehicle accident information broadcasted by the vehicle-mounted terminal node from the block chain network includes: and receiving the vehicle accident information sent by the verification node under the condition that the comparison result is consistent.
In some embodiments, the generating an automatic claim application confirmation form according to the vehicle accident information and sending the automatic claim application confirmation form to the blockchain network includes:
inquiring corresponding owner information according to the license plate number contained in the vehicle accident information, wherein the owner information at least comprises an owner telephone and an owner name;
and generating the automatic claim settlement application confirmation list containing the vehicle owner information and the vehicle accident information, and sending the automatic claim settlement application confirmation list to a verification node in the block chain network.
In some embodiments, after the sending the automatic claims application validation ticket to the verification node in the blockchain network, the method further includes:
the verification node performs hash processing on the automatic claim settlement application confirmation list to generate a confirmation list abstract;
the verification node writes the automatic claim settlement application confirmation bill and the confirmation bill abstract into the pre-stored data block so as to update the data block;
the verification node broadcasts the updated data blocks to the block chain network;
the vehicle owner node acquires the updated data block from the block chain network, and writes a vehicle owner confirmation instruction into the data block to update the data block in response to receiving the vehicle owner confirmation instruction of the vehicle owner for the automatic claim settlement application confirmation list;
and the owner node broadcasts the updated data block to the block chain network.
In some embodiments, after the owner node obtains the updated data block from the blockchain network, the method further includes:
the vehicle owner node obtains the automatic claim settlement application confirmation list and the confirmation list abstract according to the data block;
the owner node performs hash processing on the automatic claim settlement application confirmation bill and compares a hash processing result with the confirmation bill abstract;
if the hash processing result is consistent with the comparison result of the confirmation bill abstract, the vehicle owner node compares the vehicle owner information in the automatic claim application confirmation bill with the vehicle owner information registered by the vehicle owner node, and compares the vehicle accident information with the vehicle accident information in a pre-stored data block;
and if the comparison results are consistent, the owner node updates the data block pre-stored by the owner node.
In some embodiments, after the owner node broadcasts the updated data block to the blockchain network, the method further includes:
the vehicle-mounted terminal node obtains the updated data block from the block chain network;
the vehicle-mounted terminal node obtains the vehicle owner confirmation instruction according to the updated data block;
and the vehicle-mounted terminal node updates and stores the data block according to the vehicle owner confirmation instruction.
In some embodiments, after the owner node broadcasts the updated data block to the blockchain network, the method further includes:
the verification node obtains the updated data block from the blockchain network;
the verification node obtains the vehicle owner confirmation instruction according to the updated data block;
and the verification node updates and stores the data block according to the vehicle owner confirmation instruction.
In some embodiments, before the acquiring the accident investigation damage assessment data by at least one of the vehicle terminal node, the vehicle owner node and the traffic monitoring node, further comprises:
and receiving the owner confirmation instruction sent by the verification node.
In some embodiments, the obtaining accident survey damage assessment data by at least one of a vehicle terminal node, a vehicle owner node, and a traffic monitoring node comprises:
sending an accident audio and video acquisition request to the vehicle-mounted terminal node, wherein the accident audio and video acquisition request at least comprises a starting time and an ending time, and the time period from the starting time to the ending time comprises accident time;
and receiving accident audio and video data from the starting time to the ending time returned by the vehicle-mounted terminal node, wherein the accident survey damage assessment data comprises the accident audio and video data.
In some embodiments, the obtaining accident survey damage assessment data by at least one of a vehicle terminal node, a vehicle owner node, and a traffic monitoring node comprises:
sending a field video acquisition request to the owner node;
and receiving the field video data returned by the vehicle owner node, wherein the accident investigation loss assessment data comprises the field video data.
In some embodiments, the obtaining accident survey damage assessment data by at least one of a vehicle terminal node, a vehicle owner node, and a traffic monitoring node comprises:
sending a monitoring video acquisition request to the traffic monitoring node, wherein the monitoring video acquisition request at least comprises the license plate number of an accident vehicle, current positioning data and accident time;
and receiving monitoring video data of the accident vehicle returned by the traffic monitoring node according to the monitoring video acquisition request, wherein the accident survey damage assessment data comprises the monitoring video data.
In some embodiments, after generating the survey damage assessment information, the method further comprises:
sending the survey damage assessment information to a verification node in the blockchain network;
the verification node writes the survey damage assessment information into the data block, signs the updated data block with the public key of the owner node and broadcasts the signed data block to the block chain network;
and the owner node acquires the updated data block from the block chain network, and updates the pre-stored data block after decrypting the updated data block by using a private key of the owner node.
According to a second aspect of the present disclosure, an embodiment of the present disclosure provides a vehicle survey damage assessment apparatus, the apparatus comprising:
the accident information receiving module is used for acquiring vehicle accident information broadcasted by the vehicle-mounted terminal node from the block chain network;
the claim settlement confirmation list generation module is used for generating an automatic claim settlement application confirmation list according to the vehicle accident information and broadcasting the automatic claim settlement application confirmation list to the block chain network;
the survey data acquisition module is used for responding to an owner confirmation instruction of an owner node for the automatic claim settlement application confirmation list acquired from the block chain network, and acquiring accident survey damage assessment data through at least one of a vehicle-mounted terminal node, the owner node and a traffic monitoring node;
and the investigation and damage assessment module is used for carrying out investigation and damage assessment on the accident vehicle according to the accident investigation and damage assessment data and generating investigation and damage assessment information.
According to a third aspect of the present disclosure, an embodiment of the present disclosure provides a vehicle survey damage assessment system, which is characterized by including a vehicle survey damage assessment node, a blockchain system, and a traffic monitoring node;
the vehicle exploration damage assessment node comprises the vehicle exploration damage assessment device; the block chain system comprises a vehicle-mounted terminal node, a vehicle owner node and a verification node.
According to the technical scheme of the vehicle survey damage assessment method, device and system based on the block chain, the survey damage assessment of the accident vehicle is automatically realized based on the block chain technology, survey personnel do not need to arrive at the site for survey, the problem that the survey personnel need to carry out site survey and consume long time in the vehicle insurance claim settlement process is effectively solved, the vehicle survey damage assessment time is shortened, and meanwhile, the manpower can be effectively saved. Meanwhile, accident site data collected by one or more of the vehicle-mounted terminal node, the vehicle owner node and the traffic monitoring node of the accident vehicle are utilized to survey and determine damage of the accident vehicle, the accuracy of automatic survey and determination of damage can be effectively improved, and reliable sharing and authentication of multi-party data can be realized by adopting a block chain technology.
Drawings
Fig. 1 is a flowchart of a vehicle survey damage assessment method based on a block chain according to an embodiment of the present disclosure;
FIG. 2 is a flowchart of another block chain-based vehicle survey damage assessment method according to an embodiment of the present disclosure;
FIG. 3 is a flowchart illustrating a still further method for vehicle survey damage assessment based on block chains according to an embodiment of the present disclosure;
FIG. 4 is a flowchart illustrating another method for vehicle survey damage assessment based on block chains according to an embodiment of the present disclosure;
FIG. 5 is a flow chart of one embodiment of step 12 of FIG. 1;
FIG. 6 is a flowchart illustrating a still further method for vehicle survey damage assessment based on blockchains according to an embodiment of the present disclosure;
FIG. 7 is a flowchart of one specific implementation of step 65 in FIG. 6;
FIG. 8 is a flowchart illustrating a still further method for vehicle survey damage assessment based on blockchains according to an embodiment of the present disclosure;
FIG. 9 is a flowchart illustrating a still further method for vehicle survey damage assessment based on blockchains according to an embodiment of the present disclosure;
FIG. 10 is a flowchart illustrating a still further method for vehicle survey damage assessment based on blockchains according to an embodiment of the present disclosure;
FIG. 11 is a block diagram illustrating an exemplary embodiment of a damage assessment apparatus for a vehicle;
FIG. 12 is a block diagram illustrating an exemplary embodiment of a damage assessment apparatus for a vehicle;
FIG. 13 is a block diagram of a vehicle terminal node;
fig. 14 is a block diagram of a component of an authentication node.
Detailed Description
In order to make those skilled in the art better understand the technical solution of the present disclosure, the method, the apparatus, and the system for vehicle survey damage assessment based on blockchain provided by the embodiments of the present disclosure are described in detail below with reference to the accompanying drawings.
Fig. 1 is a flowchart of a vehicle survey damage assessment method based on a block chain according to an embodiment of the present disclosure, and referring to fig. 1, the embodiment of the present disclosure provides a vehicle survey damage assessment method based on a block chain, where the method is implemented based on a vehicle survey damage assessment apparatus, and the method includes: step 11 to step 14.
And step 11, acquiring the vehicle accident information broadcasted by the vehicle-mounted terminal node from the block chain network.
And step 12, generating an automatic claim settlement application confirmation list according to the vehicle accident information, and broadcasting the automatic claim settlement application confirmation list to the block chain network.
And step 13, in response to an owner confirmation instruction of the owner node for the automatic claim settlement application confirmation list acquired from the blockchain network, acquiring accident investigation and damage assessment data through at least one of the vehicle-mounted terminal node, the owner node and the traffic monitoring node.
And step 14, surveying and damage-assessment are carried out on the accident vehicle according to the accident surveying and damage-assessment data, and surveying and damage-assessment information is generated.
According to the technical scheme of the vehicle survey damage assessment method based on the block chain, the survey damage assessment of the accident vehicle is automatically realized based on the block chain technology, a survey worker does not need to arrive at the site for survey, the problem that the survey worker needs to carry out site survey and consumes long time in the vehicle insurance claim settlement process is effectively solved, the vehicle survey damage assessment time is shortened, and meanwhile, the labor can be effectively saved. Meanwhile, accident site data collected by one or more of the vehicle-mounted terminal node, the vehicle owner node and the traffic monitoring node of the accident vehicle are utilized to survey and determine damage of the accident vehicle, the accuracy of automatic survey and determination of damage can be effectively improved, and reliable sharing and authentication of multi-party data can be realized by adopting a block chain technology.
Fig. 2 is a flowchart of another block chain-based vehicle exploration and damage assessment method according to an embodiment of the present disclosure, and as shown in fig. 2, in some embodiments, before acquiring vehicle accident information broadcast by a vehicle-mounted terminal node from a block chain network, that is, before step 11, the vehicle exploration and damage assessment method further includes steps 21 to 24, and only steps 21 to 24 are described below.
And step 21, the vehicle-mounted terminal node acquires vehicle running characteristic data and camera data.
Specifically, the vehicle-mounted terminal node comprises a vehicle-mounted terminal, the vehicle-mounted terminal comprises an On-Board Diagnostics (OBD), and the vehicle-mounted terminal node can read vehicle driving characteristic data and camera data of a vehicle through an OBD interface.
And step 22, detecting whether the vehicle has a collision accident or not by the vehicle-mounted terminal node according to the vehicle running characteristic data and the camera data.
Specifically, the vehicle-mounted terminal node comprehensively judges whether a vehicle has a collision accident or not according to vehicle running characteristic data and camera data through a preset collision detection module, and under the condition that the collision accident is judged, the collision strength is evaluated through a preset evaluation module to obtain a collision strength characteristic value.
And step 23, under the condition that the vehicle collision accident is detected, the vehicle-mounted terminal node generates an initial data block according to the vehicle accident information of the vehicle.
Wherein the vehicle accident information at least includes: current location data (e.g., GPS location data) of the vehicle, crash intensity characteristic values, license plate number, time of accident, and may also include other accident information.
In some embodiments, the vehicle-mounted terminal node generates an initial data block according to the vehicle accident information of the vehicle, including: step 231 and step 232.
And 231, the vehicle-mounted terminal node performs hash processing on the vehicle accident information to generate an accident information abstract.
Specifically, the vehicle-mounted terminal node performs HASH (HASH) processing on accident information such as current positioning data (e.g., GPS positioning data), a collision intensity characteristic value, a license plate number, and accident time of the vehicle, and generates an accident information summary.
And step 232, the vehicle-mounted terminal node generates an initial data block according to the vehicle accident information and the accident information abstract.
Specifically, after the vehicle accident information and the accident information summary are subjected to private key signature by the vehicle-mounted terminal node, an initial data block is generated. In step 232, the vehicle-mounted terminal node signs the vehicle accident information and the accident information summary by using its own private key, and generates an initial data block, where the initial data block includes the vehicle accident information and the accident information summary.
Specifically, the vehicle-mounted terminal node broadcasts the initial data block to the blockchain network through a predetermined Application Programming Interface (API) of the blockchain network.
Fig. 3 is a flowchart of another block chain-based vehicle exploration damage assessment method according to an embodiment of the present disclosure, and as shown in fig. 3, in some embodiments, after the vehicle-mounted terminal node broadcasts the initial data block into the block chain network, that is, after step 24, the vehicle exploration damage assessment method further includes steps 31 to 33, and only steps 31 to 33 are described below.
Specifically, the vehicle owner node acquires an initial data block broadcasted by the vehicle-mounted terminal node in the blockchain network through the blockchain network. The vehicle owner node can comprise an intelligent terminal owned by a vehicle owner, and can be a smart phone, a tablet computer and the like.
And step 32, the vehicle owner node obtains vehicle accident information and an accident information abstract according to the initial data block.
Specifically, the vehicle owner node decrypts the initial data block by using the public key of the vehicle-mounted terminal node to obtain vehicle accident information and an accident information abstract. After the data block encrypted by the private key of the vehicle-mounted terminal node is obtained, the vehicle owner node can decrypt the data block by using the prestored public key of the vehicle-mounted terminal node and adopting a corresponding decryption algorithm to obtain the vehicle accident information and the accident information abstract in the data block.
And step 33, the vehicle owner node extracts the license plate number in the vehicle accident information and compares the license plate number with the registered license plate number.
In some embodiments, when the vehicle owner node joins the blockchain network, the license plate number of the vehicle corresponding to the vehicle owner node is registered, registered and stored, and in step 33, after the license plate number in the vehicle accident information is extracted, the extracted license plate number is compared with the license plate number pre-stored in the vehicle owner node, so as to verify whether the extracted license plate number is the license plate number of the vehicle corresponding to the vehicle owner node, that is, whether the extracted license plate number is consistent with the license plate number pre-stored in the vehicle owner node is verified.
In step 33, if the comparison result between the extracted license plate number and the license plate number pre-stored by the owner node is consistent, the owner node stores an initial data block; and if the comparison result of the extracted license plate number and the license plate number prestored by the owner node is inconsistent, discarding the initial data block by the owner node.
Fig. 4 is a flowchart of still another block chain-based vehicle exploration damage assessment method according to an embodiment of the present disclosure, and as shown in fig. 4, in some embodiments, after the vehicle-mounted terminal node broadcasts the initial data block into the block chain network, that is, after step 24, the vehicle exploration damage assessment method further includes steps 41 to 43, and only steps 41 to 43 are described below.
Specifically, the verification node acquires an initial data block broadcast in the blockchain network by the vehicle-mounted terminal node through the blockchain network. The verification node may include any appropriate electronic device, such as an intelligent terminal and a server, and is configured to verify the identity of the node joining the blockchain network and verify data broadcast to the blockchain network.
And step 42, the verification node obtains vehicle accident information and an accident information abstract according to the initial data block.
Specifically, the verification node decrypts the initial data block by using the public key of the vehicle-mounted terminal node to obtain vehicle accident information and an accident information abstract. The verification node can pre-store the public key of the vehicle-mounted terminal node, and after the data block encrypted by the private key of the vehicle-mounted terminal node is obtained, the verification node can decrypt the data block by using the pre-stored public key of the vehicle-mounted terminal node and adopting a corresponding decryption algorithm to obtain the vehicle accident information and the accident information abstract in the data block.
And 43, the verification node performs hash processing on the vehicle accident information and compares the hash processing result with the accident information abstract.
Specifically, the verification node performs HASH (HASH) processing on accident information such as current positioning data (for example, GPS positioning data), a collision strength characteristic value, a license plate number, and accident time of the vehicle to generate a HASH processing result, and the verification node compares the HASH processing result generated by the verification node with an accident information summary generated by the vehicle-mounted terminal node to verify whether the vehicle accident information is credible and has not been tampered with.
In step 43, if the hash processing result generated by the verification node is consistent with the comparison result of the accident information summary generated by the vehicle-mounted terminal node, and the vehicle accident information is proved to be valid, reliable and not tampered, the verification node can store an initial data block; if the hash processing result generated by the verification node is inconsistent with the comparison result of the accident information abstract generated by the vehicle-mounted terminal node, the verification node can discard the initial data block.
And under the condition that the vehicle accident information is verified to be credible and not tampered, the verification node passes the verification of the data block, and at the moment, the verification node sends the vehicle accident information to the vehicle exploration damage assessment device. The vehicle survey damage assessment device can be an intelligent terminal, an electronic device such as a server and the like corresponding to an insurance company, a client and the like.
In this embodiment, the step of acquiring the vehicle accident information broadcast by the vehicle-mounted terminal node from the blockchain network, that is, step 11, specifically includes: and receiving vehicle accident information sent by the verification node under the condition that the generated hash processing result is consistent with the comparison result of the accident information abstract.
Fig. 5 is a flowchart of a specific implementation manner of step 12 in fig. 1, and as shown in fig. 5, in some embodiments, the step of generating an automatic claim settlement application confirmation list according to the vehicle accident information, and sending the automatic claim settlement application confirmation list to the blockchain network, that is, step 12, may further include: step 51 and step 52.
And step 51, inquiring corresponding owner information according to the license plate number contained in the vehicle accident information, wherein the owner information at least comprises an owner telephone and an owner name.
Specifically, the license plate number included in the vehicle accident information is used as an index, the owner information corresponding to the license plate number is inquired from the background database, and the owner information at least comprises the owner telephone and the owner name of the owner corresponding to the license plate number and can also comprise other information of the corresponding owner.
And step 52, generating an automatic claim settlement application confirmation list containing the vehicle owner information and the vehicle accident information, and sending the automatic claim settlement application confirmation list to a verification node in the block chain network.
In step 52, when the owner information corresponding to the license plate is found, an automatic claim settlement application confirmation form is generated according to the owner information and the vehicle accident information, and the automatic claim settlement application confirmation form includes the owner information and the vehicle accident information.
In some embodiments, the automatic claim application confirmation form template may be configured in advance, and after the vehicle owner information and the vehicle accident information are obtained, the vehicle owner information and the vehicle accident information are filled into the automatic claim application confirmation form template, so as to generate the automatic claim application confirmation form.
Fig. 6 is a flowchart of still another vehicle survey damage assessment method based on a blockchain according to an embodiment of the present disclosure, and as shown in fig. 6, in some embodiments, after sending an automatic claims application confirmation list to a verification node in a blockchain network, that is, after step 52, the vehicle survey damage assessment method further includes steps 61 to 67, and only steps 61 to 67 are described below.
And step 61, the verification node acquires the public key of the owner node corresponding to the owner information according to the owner information in the automatic claim settlement application confirmation list.
Specifically, the verification node uses the owner's phone in the automatic claims application confirmation list as an index, and queries and acquires the public key of the owner node corresponding to the owner's phone from a registration information table of the blockchain network pre-stored in a background database of the verification node.
And step 62, the verification node performs hash processing on the automatic claim settlement application confirmation list to generate a confirmation list abstract.
And step 63, the verification node writes the automatic claim settlement application confirmation bill and the confirmation bill abstract into the pre-stored data block so as to update the pre-stored data block.
Specifically, the verification node performs HASH (HASH) processing on the automatic claim application confirmation list to generate a confirmation list abstract, and writes the original automatic claim application confirmation list and the confirmation list abstract into a pre-stored data block after verifying the private key signature of the node itself to update the pre-stored data block, wherein the data block carries an information number (such as C-1) and a timestamp. At this time, the updated data block includes but is not limited to: vehicle accident information, accident information abstract, automatic claim settlement application confirmation bill and confirmation bill abstract.
Specifically, the verification node encrypts the data block updated in step 63 by using the public key of the owner node obtained in step 61, and broadcasts the data block to the blockchain network.
And step 65, the vehicle owner node acquires the updated data block from the block chain network and displays an automatic claim settlement application confirmation list to the vehicle owner.
And step 66, in response to receiving the vehicle owner confirmation instruction of the vehicle owner for the automatic claim settlement application confirmation order, the vehicle owner node writes the vehicle owner confirmation instruction into the data block so as to update the data block.
After the vehicle owner node displays the automatic claim settlement application confirmation list, the vehicle owner can check the vehicle accident information in the automatic claim settlement application confirmation list, if the vehicle accident information is correct to the actual vehicle accident information, the automatic claim settlement flow is confirmed to be started, and a vehicle owner confirmation instruction aiming at the automatic claim settlement application confirmation list is triggered to the vehicle owner node. In step 66, after the owner node receives the owner confirmation command of the owner for the auto claim application confirmation order, the owner confirmation command is written into the data block to update the data block. At this time, the updated data block includes but is not limited to: the system comprises vehicle accident information, an accident information abstract, an automatic claim settlement application confirmation bill, a confirmation bill abstract and a vehicle owner confirmation instruction.
Specifically, after the owner node writes the owner confirmation instruction into the data block to update the data block, the updated data block is signed by using a private key of the owner node, and the signed data block is broadcasted to the block chain network.
Fig. 7 is a flowchart of a specific implementation manner of step 65 in fig. 6, as shown in fig. 7, in some embodiments, the step of the owner node obtaining the updated data block from the blockchain network and showing the automatic claim settlement application confirmation list to the owner, that is, step 65, may further include steps 71 to 75.
And step 71, the vehicle owner node obtains the automatic claim settlement application confirmation list and the confirmation list abstract according to the updated data block.
In step 71, the owner node obtains the data block broadcasted by the verification node and encrypted by the verification node from the block chain network, and decrypts the data block by using the private key of the owner node, thereby obtaining the data block signed by the verification node.
And then, the owner node decrypts the signed data block by using the public key of the verification node to obtain the automatic claim settlement application confirmation list and the confirmation list abstract.
And step 72, the vehicle owner node performs hash processing on the automatic claim settlement application confirmation list, and compares the hash processing result with the confirmation list abstract.
In step 72, the owner node hashes the automatic claim application confirmation statement and compares the hash result with the confirmation statement digest to verify whether the automatic claim application confirmation statement is authentic and has not been tampered with.
If the hash result is consistent with the summary of the verification slip, the automatic claims application verification slip is verified to be authentic and has not been tampered, and the application verification slip is actually sent from the verification and verification node generated by the vehicle survey damage assessment device, so step 73 is executed.
If the hash processing result is inconsistent with the comparison result of the confirmation bill abstract, the automatic claims application confirmation bill is proved to be untrustworthy or tampered, so that the automatic claims application confirmation bill is not further processed.
And 73, if the comparison result is consistent, the vehicle owner node extracts the vehicle owner information and the vehicle accident information in the automatic claim settlement application confirmation list from the data block.
And step 74, the owner node compares the owner information with the owner information registered by the owner node, and compares the vehicle accident information with the vehicle accident information in the pre-stored data block.
In some embodiments, the owner node registers, registers and stores the owner information when joining the blockchain network, and in step 33, the owner node stores the initial data block containing the vehicle accident information when the check license plate numbers are consistent. Thus, in step 74, the owner node may compare the extracted owner information with the pre-stored owner information to verify the identity of the owner of the vehicle, and compare the extracted vehicle accident information with the pre-stored vehicle accident information to verify whether the vehicle accident information is authentic and has not been tampered with.
In step 74, if the comparison result between the owner information and the pre-stored owner information is consistent and the comparison result between the accident information and the pre-stored accident information is consistent, the identity of the owner is determined to be authentic and not tampered, and the accident information is determined to be authentic and not tampered, so step 75 is executed.
If the comparison result of the owner information and the pre-stored owner information is inconsistent, or the comparison result of the accident information and the pre-stored accident information is inconsistent, the identity of the owner is determined to be untrustworthy or tampered, or the accident information is untrustworthy or tampered, so that further processing is not performed.
And step 75, if the comparison results are consistent, the owner node updates the data block pre-stored by the owner node and displays an automatic claim settlement application confirmation list to the owner.
Fig. 8 is a flowchart of another block chain-based vehicle exploration damage assessment method according to an embodiment of the present disclosure, and as shown in fig. 8, in some embodiments, after the owner node broadcasts the updated data block into the block chain network, that is, after step 67, the vehicle exploration damage assessment method further includes steps 81 to 83, and only steps 81 to 83 are described below.
And step 81, the vehicle-mounted terminal node obtains the updated data block from the block chain network.
And step 82, the vehicle-mounted terminal node obtains a vehicle owner confirmation instruction according to the updated data block.
Specifically, the vehicle-mounted terminal node decrypts the updated data block by using the public key of the vehicle owner node to obtain the vehicle owner confirmation instruction.
And step 83, updating and storing the data block by the vehicle-mounted terminal node according to the vehicle owner confirmation instruction.
Specifically, the vehicle-mounted terminal node updates and stores the data block according to the vehicle owner confirmation instruction, and waits for a next request of the vehicle survey damage assessment device. Wherein the data block at this time at least comprises: vehicle accident information, vehicle owner information and vehicle owner confirmation instructions.
Fig. 9 is a flowchart of another block chain-based vehicle exploration damage assessment method according to an embodiment of the present disclosure, and as shown in fig. 9, in some embodiments, after the owner node broadcasts the updated data block into the block chain network, i.e., after step 67, the vehicle exploration damage assessment method further includes steps 91 to 93, and only steps 91 to 93 are described below.
And step 92, the verification node obtains an owner confirmation instruction according to the updated data block.
Specifically, the verification node decrypts the updated data block by using the public key of the owner node to obtain the owner confirmation instruction.
And step 93, updating and storing the data block by the verification node according to the vehicle owner confirmation instruction.
Specifically, the verification node updates and stores the data block according to the vehicle owner confirmation instruction, and sends the vehicle owner confirmation instruction aiming at the automatic claim settlement application confirmation list to the vehicle survey damage assessment device. Wherein the data block at this time at least comprises: vehicle accident information, vehicle owner information and vehicle owner confirmation instructions.
In this embodiment, before the step of acquiring the accident survey damage assessment data through at least one of the vehicle terminal node, the vehicle owner node and the traffic monitoring node in response to the vehicle owner confirmation instruction acquired from the blockchain network for the automatic claims application confirmation form, that is, before step 13, the vehicle survey damage assessment method further includes: and receiving an owner confirmation instruction sent by the verification node.
In some embodiments, the step of obtaining the accident investigation damage assessment data through at least one of the vehicle-mounted terminal node, the vehicle owner node, and the traffic monitoring node, that is, step 13, specifically includes: step 131a and step 132 a.
And 131a, sending an accident audio and video acquisition request to the vehicle-mounted terminal node.
In some embodiments, after receiving an owner confirmation instruction of a verification node, responding to the instruction, and sending an accident audio and video acquisition request to a vehicle-mounted terminal node, where the accident audio and video acquisition request at least includes a start time and an end time, and a time period from the start time to the end time includes an accident time.
And 132a, receiving accident audio and video data from the starting time to the ending time returned by the vehicle-mounted terminal node, wherein the accident survey damage assessment data comprises the accident audio and video data.
In some embodiments, after receiving the accident audio/video acquisition request, the vehicle-mounted terminal node acquires the camera data through the camera module to acquire the accident audio/video data of the time period from the starting time to the ending time, and sends the accident audio/video data to the vehicle survey damage assessment device.
In some embodiments, the step of obtaining the accident investigation damage assessment data through at least one of the vehicle-mounted terminal node, the vehicle owner node, and the traffic monitoring node, that is, step 13, specifically includes: step 131b and step 132 b.
And 131b, sending a field video acquisition request to the owner node.
In some embodiments, after receiving an owner confirmation instruction from the verification node, a live video acquisition request is sent to the owner node in response to the instruction.
And 132b, receiving the site video data returned by the owner node, wherein the accident investigation damage assessment data comprises the site video data.
In some embodiments, after receiving the on-site video acquisition request, the owner node acquires data such as a shot on-site picture and a shot video through the camera module, and sends the data to the vehicle survey damage assessment device.
In some embodiments, the step of obtaining the accident investigation damage assessment data through at least one of the vehicle-mounted terminal node, the vehicle owner node, and the traffic monitoring node, that is, step 13, specifically includes: step 131c and step 132 c.
And 131c, sending a monitoring video acquisition request to the traffic monitoring node.
In some embodiments, after receiving the owner confirmation instruction of the verification node, in response to the instruction, the traffic monitoring node sends a monitoring video acquisition request, where the monitoring video acquisition request includes at least a license plate number of the accident vehicle, current positioning data (e.g., GPS positioning data), and accident time.
And 132c, receiving the monitoring video data of the accident vehicle returned by the traffic monitoring node according to the monitoring video acquisition request, wherein the accident investigation damage assessment data comprises the monitoring video data.
In some embodiments, after receiving a monitoring video acquisition request, a traffic monitoring node determines an accident area according to current positioning data of an accident vehicle, calls a high-definition camera within the accident area to rotate by 360 degrees to search for the accident vehicle, if the accident vehicle is found, draws a camera lens to shoot the accident vehicle, wherein the shooting content may include a picture and/or a video of an accident scene, and a picture and/or a video of the accident vehicle, and sends the picture and/or the video to a vehicle survey damage assessment device.
In some embodiments, the accident survey damage data may be acquired simultaneously by any one or more of the three manners of acquiring accident survey damage data described above.
In some embodiments, in step 14, after the accident survey damage assessment data is obtained, it is first determined whether the obtained accident survey damage assessment data (such as a photo or a video) meets the precision and compliance requirements of the survey, and if so, the accident vehicle is damaged according to the information such as the collision strength characteristic value sent by the vehicle-mounted terminal node, the accident video, the scene photo, and the vehicle model called in the background, and the claim amount is preliminarily calculated.
After the survey is completed, a survey completion message is sent to the vehicle owner node, wherein the message can contain the settlement amount of the primary damage assessment and information of nearby repair shops and the like so as to prompt the vehicle owner to drive away from the accident site, and meanwhile, electronic evidence such as survey damage assessment information and damage assessment photos is sent to the verification node.
Fig. 10 is a flowchart of still another vehicle exploration damage assessment method based on a blockchain according to an embodiment of the present disclosure, and as shown in fig. 10, in some embodiments, after the exploration damage assessment information is generated, i.e., after step 14, the vehicle exploration damage assessment method further includes steps 101 to 103, and only steps 101 to 103 are described below.
And 102, writing the survey damage assessment information into the data block by the verification node, signing the updated data block by the public key of the owner node, and broadcasting the signed data block to the block chain network.
In step 102, the verification node writes the survey damage assessment information into a data block, and after the data block is updated, the data block is signed by a public key of the owner node and is issued to the block chain network; the data block at this time comprises: accident information, owner confirmation instruction, investigation damage assessment information.
And step 103, the owner node acquires the updated data block from the block chain network, and updates the pre-stored data block after decrypting the updated data block by using the private key of the owner node.
And after the owner node decrypts the data block by the private key of the node, the latest data block is obtained and the investigation damage assessment information is reserved, and at the moment, the automatic claim settlement process is completed.
Fig. 11 is a block diagram illustrating a vehicle damage-assessment apparatus according to an embodiment of the present disclosure, and as shown in fig. 11, the embodiment of the present disclosure provides a vehicle damage-assessment apparatus 110, where the vehicle damage-assessment apparatus 110 includes: the system comprises an accident information receiving module 1101, a claim settlement list generating module 1102, a survey data acquiring module 1103 and a survey damage assessment module 1104.
The accident information receiving module 1101 is configured to obtain vehicle accident information broadcast by a vehicle-mounted terminal node from a block chain network; the claim settlement confirmation list generation module 1102 is configured to generate an automatic claim settlement application confirmation list according to the vehicle accident information, and broadcast the automatic claim settlement application confirmation list to the blockchain network; the survey data acquisition module 1103 is used for responding to an owner confirmation instruction of an owner node obtained from the blockchain network and aiming at the automatic claim settlement application confirmation list, and acquiring accident survey damage assessment data through at least one of a vehicle-mounted terminal node, the owner node and a traffic monitoring node; the investigation damage assessment module 1104 is used for investigating and damage assessing the accident vehicle according to the accident investigation damage assessment data and generating investigation damage assessment information.
The vehicle survey damage assessment apparatus 110 provided in the embodiment of the present disclosure is configured to implement the vehicle survey damage assessment method based on the block chain, and for specific descriptions of each functional module of the vehicle survey damage assessment apparatus 110, reference may be made to the description related to the vehicle survey damage assessment method based on the block chain in the embodiment, and details are not repeated here.
Fig. 12 is a block diagram illustrating a vehicle survey damage assessment apparatus according to an embodiment of the present disclosure, and as shown in fig. 12, the embodiment of the present disclosure provides a vehicle survey damage assessment system 120, which includes a vehicle survey damage assessment node 1201, a blockchain system 1202, and a traffic monitoring node 1203.
The vehicle survey damage assessment node 1201 comprises the vehicle survey damage assessment device; the blockchain system 1202 includes a vehicle terminal node a, a vehicle owner node B, and a verification node C.
In the embodiment of the present disclosure, the vehicle-mounted terminal node a, the verification node C, and the vehicle owner node B are connected by a P2P network structure to form a blockchain network, and the vehicle survey damage assessment node 1201 is connected to the blockchain network and the traffic monitoring node 1203 by the internet. Each node in the block chain network broadcasts a respective public key through the block chain network, and each node acquires and stores the public keys of other nodes. Meanwhile, when each vehicle-mounted terminal node A joins the block chain network, the corresponding license plate number is registered and issued to the block chain network as registration information, and when each vehicle-mounted terminal node B joins the block chain network, the corresponding mobile phone number and one or more corresponding license plate numbers are registered and issued to the block chain network as registration information. And the verification node C acquires the registration information of all the vehicle-mounted terminal nodes A and the vehicle owner node B in the block chain network, and stores the registration information in a background database in a form of a registration information table.
Fig. 13 is a block diagram of a vehicle-mounted terminal node, and in some embodiments, as shown in fig. 13, the vehicle-mounted terminal node a may include, but is not limited to: the system comprises an OBD reading module, a collision detection and evaluation module, a GPS module, a communication module, a camera module, a storage module and a block chain API interface. The OBD reading module is used for reading vehicle running characteristic data from the OBD, the camera module is used for acquiring camera data, the collision detection and evaluation module is used for detecting whether a collision accident occurs and evaluating collision strength, the GPS module is used for acquiring positioning data, the communication module is used for being in communication interaction with the block chain network and the traffic monitoring node 1203 through the Internet, the storage module is used for storing data, and the block chain API interface is a data interaction interface with the block chain network.
FIG. 14 is a block diagram of a verification node, which in some embodiments, as shown in FIG. 14, may include, but is not limited to: the device comprises a storage module, a verification module, a communication module and a block chain API interface. The verification node C is configured to implement the vehicle survey damage assessment method, and specific functions of each functional module of the verification node C may be referred to in the description of the vehicle survey damage assessment method embodiment, which is not described herein again.
It is to be understood that the above embodiments are merely exemplary embodiments that are employed to illustrate the principles of the present disclosure, and that the present disclosure is not limited thereto. It will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the disclosure, and these are to be considered as the scope of the disclosure.
Claims (17)
1. A vehicle survey damage assessment method based on a block chain is characterized by comprising the following steps:
acquiring vehicle accident information broadcasted by a vehicle-mounted terminal node from a block chain network;
generating an automatic claim settlement application confirmation list according to the vehicle accident information, and sending the automatic claim settlement application confirmation list to the block chain network;
in response to an owner confirmation instruction obtained from the block chain network, wherein the owner confirmation instruction is used by an owner node for the automatic claim settlement application confirmation list, accident investigation and damage assessment data are obtained through at least one of a vehicle-mounted terminal node, the owner node and a traffic monitoring node;
and carrying out investigation and damage assessment on the accident vehicle according to the accident investigation and damage assessment data, and generating investigation and damage assessment information.
2. The vehicle survey damage assessment method according to claim 1, further comprising, before said obtaining vehicle accident information broadcasted from vehicle-mounted terminal nodes from a blockchain network:
the vehicle-mounted terminal node acquires vehicle running characteristic data and camera data;
the vehicle-mounted terminal node detects whether a vehicle has a collision accident according to the vehicle running characteristic data and the camera data;
under the condition that a collision accident of a vehicle is detected, the vehicle-mounted terminal node generates an initial data block according to vehicle accident information of the vehicle, wherein the vehicle accident information at least comprises current positioning data, a collision intensity characteristic value, a license plate number and accident time;
and the vehicle-mounted terminal node broadcasts the initial data block to the block chain network.
3. The vehicle survey damage assessment method according to claim 2, wherein the vehicle-mounted terminal node generates an initial data block according to vehicle accident information of the vehicle, comprising:
the vehicle-mounted terminal node performs Hash processing on the vehicle accident information to generate an accident information abstract;
and the vehicle-mounted terminal node generates the initial data block according to the vehicle accident information and the accident information abstract.
4. The vehicle survey damage assessment method of claim 3, further comprising, after said vehicle terminal node broadcasting said initial data block into said blockchain network:
the owner node in the block chain network acquires the data block from the block chain network;
the vehicle owner node obtains the vehicle accident information and the accident information abstract according to the data block;
and the owner node stores the data block under the condition of verifying that the license plate number in the vehicle accident information is consistent with the license plate number registered by the owner node.
5. The vehicle survey damage assessment method of claim 3, further comprising, after said vehicle terminal node broadcasting said initial data block into said blockchain network:
a verification node in the blockchain network obtains the data block from the blockchain network;
the verification node obtains the vehicle accident information and the accident information abstract according to the data block;
the verification node performs hash processing on the vehicle accident information and compares a hash processing result with the accident information abstract;
the acquiring of the vehicle accident information broadcasted by the vehicle-mounted terminal node from the block chain network includes: and receiving the vehicle accident information sent by the verification node under the condition that the comparison result is consistent.
6. The vehicle survey and damage assessment method according to claim 4 or 5, wherein the generating of the automatic claim settlement application confirmation form according to the vehicle accident information and the sending of the automatic claim settlement application confirmation form to the blockchain network comprises:
inquiring corresponding owner information according to the license plate number contained in the vehicle accident information, wherein the owner information at least comprises an owner telephone and an owner name;
and generating the automatic claim settlement application confirmation list containing the vehicle owner information and the vehicle accident information, and sending the automatic claim settlement application confirmation list to a verification node in the block chain network.
7. The vehicle survey damage assessment method of claim 6, further comprising, after said sending said automated claims application validation ticket to a verification node in said blockchain network:
the verification node performs hash processing on the automatic claim settlement application confirmation list to generate a confirmation list abstract;
the verification node writes the automatic claim settlement application confirmation bill and the confirmation bill abstract into the pre-stored data block so as to update the data block;
the verification node broadcasts the updated data blocks to the block chain network;
the vehicle owner node acquires the updated data block from the block chain network, and writes a vehicle owner confirmation instruction into the data block to update the data block in response to receiving the vehicle owner confirmation instruction of the vehicle owner for the automatic claim settlement application confirmation list;
and the owner node broadcasts the updated data block to the block chain network.
8. The vehicle survey damage assessment method according to claim 7, wherein after the owner node obtains the updated data blocks from the blockchain network, the method further comprises:
the vehicle owner node obtains the automatic claim settlement application confirmation list and the confirmation list abstract according to the data block;
the owner node performs hash processing on the automatic claim settlement application confirmation bill and compares a hash processing result with the confirmation bill abstract;
if the hash processing result is consistent with the comparison result of the confirmation bill abstract, the vehicle owner node compares the vehicle owner information in the automatic claim application confirmation bill with the vehicle owner information registered by the vehicle owner node, and compares the vehicle accident information with the vehicle accident information in a pre-stored data block;
and if the comparison results are consistent, the owner node updates the data block pre-stored by the owner node.
9. The vehicle survey damage assessment method of claim 8, further comprising, after the owner node broadcasting the updated data blocks into the blockchain network:
the vehicle-mounted terminal node obtains the updated data block from the block chain network;
the vehicle-mounted terminal node obtains the vehicle owner confirmation instruction according to the updated data block;
and the vehicle-mounted terminal node updates and stores the data block according to the vehicle owner confirmation instruction.
10. The vehicle survey damage assessment method of claim 8, further comprising, after the owner node broadcasting the updated data blocks into the blockchain network:
the verification node obtains the updated data block from the blockchain network;
the verification node obtains the vehicle owner confirmation instruction according to the updated data block;
and the verification node updates and stores the data block according to the vehicle owner confirmation instruction.
11. The vehicle survey damage assessment method of claim 10, further comprising, prior to said obtaining accident survey damage data by at least one of a vehicle terminal node, a vehicle owner node and a traffic monitoring node:
and receiving the owner confirmation instruction sent by the verification node.
12. The vehicle survey damage assessment method of claim 1, wherein said obtaining accident survey damage data by at least one of a vehicle terminal node, a vehicle owner node and a traffic monitoring node comprises:
sending an accident audio and video acquisition request to the vehicle-mounted terminal node, wherein the accident audio and video acquisition request at least comprises a starting time and an ending time, and the time period from the starting time to the ending time comprises accident time;
and receiving accident audio and video data from the starting time to the ending time returned by the vehicle-mounted terminal node, wherein the accident survey damage assessment data comprises the accident audio and video data.
13. The vehicle survey damage assessment method of claim 1, wherein said obtaining accident survey damage data by at least one of a vehicle terminal node, a vehicle owner node and a traffic monitoring node comprises:
sending a field video acquisition request to the owner node;
and receiving the field video data returned by the vehicle owner node, wherein the accident investigation loss assessment data comprises the field video data.
14. The vehicle survey damage assessment method of claim 1, wherein said obtaining accident survey damage data by at least one of a vehicle terminal node, a vehicle owner node and a traffic monitoring node comprises:
sending a monitoring video acquisition request to the traffic monitoring node, wherein the monitoring video acquisition request at least comprises the license plate number of an accident vehicle, current positioning data and accident time;
and receiving monitoring video data of the accident vehicle returned by the traffic monitoring node according to the monitoring video acquisition request, wherein the accident survey damage assessment data comprises the monitoring video data.
15. The vehicle survey damage assessment method of claim 10, further comprising, after generating the survey damage assessment information:
sending the survey damage assessment information to a verification node in the blockchain network;
the verification node writes the survey damage assessment information into the data block, signs the updated data block with the public key of the owner node and broadcasts the signed data block to the block chain network;
and the owner node acquires the updated data block from the block chain network, and updates the pre-stored data block after decrypting the updated data block by using a private key of the owner node.
16. A vehicle survey damage assessment device, comprising:
the accident information receiving module is used for acquiring vehicle accident information broadcasted by the vehicle-mounted terminal node from the block chain network;
the claim settlement confirmation list generation module is used for generating an automatic claim settlement application confirmation list according to the vehicle accident information and broadcasting the automatic claim settlement application confirmation list to the block chain network;
the survey data acquisition module is used for responding to an owner confirmation instruction of an owner node for the automatic claim settlement application confirmation list acquired from the block chain network, and acquiring accident survey damage assessment data through at least one of a vehicle-mounted terminal node, the owner node and a traffic monitoring node;
and the investigation and damage assessment module is used for carrying out investigation and damage assessment on the accident vehicle according to the accident investigation and damage assessment data and generating investigation and damage assessment information.
17. A vehicle survey damage assessment system is characterized by comprising a vehicle survey damage assessment node, a block chain system and a traffic monitoring node;
the vehicle survey damage assessment node comprising the vehicle survey damage assessment apparatus of claim 16;
the block chain system comprises a vehicle-mounted terminal node, a vehicle owner node and a verification node.
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