TWI828284B - Systems and methods of blockchain for insurance processes - Google Patents

Abstract

Disclosed herein relates to systems and methods of blockchain for insurance processes, in particular for insurance claims, recovery and co-insurance. The blockchain system allows multiple ends respectively to share and process insurance event information in real time through one or more modules and specific data structure. Moreover, the systems and methods disclosed herein ensure data security and authenticity, providing more efficient in insurance claims, recovery and co-insurance between multiple parties.

Description

Blockchain system and method applied to insurance operations

The present invention relates to systems and methods applied in the insurance field, and in particular, to a system and method that utilizes a blockchain system to perform insurance operations.

In the process of insurance claims settlement, case reporting and data exchange are still mainly done manually. Although there are digital systems for case management and tracking, co-insurance cases usually involve multiple insurance companies. Based on data security and Due to confidentiality considerations, there is currently no communication platform for various insurance companies to exchange information. As a result, cases involving co-insurance claims require a lot of manpower and time to exchange and verify information, and each step of the claim needs to be repeated continuously. Verifying the correctness and authenticity of the exchanged information makes the claims process lengthy and makes it impossible to carry out insurance claims efficiently.

In view of this, in order to improve the shortcomings of the previous technology and improve the efficiency of the overall insurance operation, a novel insurance claims system and method are urgently needed in this field to improve the shortcomings of the previous technology.

This summary is intended to provide a simplified summary of the disclosure to provide the reader with a basic understanding of the disclosure. This summary is not an extensive overview of the disclosure and it is not intended to identify key/critical elements of the embodiments of the invention or to delineate the scope of the invention.

One aspect of this disclosure relates to a blockchain system applied to insurance operations. The system includes a blockchain, a first client and a second client. The blockchain system provided in this disclosure can provide for the sharing of insurance case data among multiple users, while maintaining the authenticity and security of the data to achieve immediate and efficient execution of insurance compensation, recovery and sharing. The purpose of ensuring the operation.

Specifically, the blockchain system is used to store a plurality of shared insurance cases, and the first client, the second client, and the blockchain are communicated with each other. The first client includes a first database, a first file processing module and a first service module that are communicated with each other. The first database is used to store a plurality of first insurance cases. The first file The processing module is used to access the first insurance cases in the first database, and the first service module is used to perform the following steps: a) create a first new insurance case and query it in the blockchain Whether there is a shared insurance case corresponding to the first new insurance case, if not, then the first new insurance case is stored in the first database to form a newly added first insurance case, in which the first new insurance case is The insurance case includes a common information and a non-public information, wherein the common information includes a joint compensation information and a case information; and b) creates a new shared insurance case in the blockchain, and the shared insurance case is The common information of the first insurance case should be added in step a).

The second client is similar in configuration to the first client, and is provided with a second database, a second file processing module and a second service module that are communicated with each other. The second database is used to store complex Several second insurance cases, the second file processing module is used to access the second insurance cases in the second database, and the second service module is used to perform the following steps: a) Create a second new entry insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the blockchain. If there is, then the common information of the second new insurance case corresponding to the shared insurance case in the blockchain is Store it in the second database to form a new second insurance case, in which the first insurance case and the second insurance case have the same common information; and b) based on the common information of the second insurance case , obtain the non-public information corresponding to the first insurance case through the first file processing module of the first client, access and associate the non-public information of the second insurance case, and store it in the second database.

According to an implementation manner of this disclosure, the first client and the second client each include a monitoring module to monitor and detect whether there are new shared insurance cases in the blockchain.

In a specific implementation, if in the blockchain system of the present disclosure, the shared insurance case is newly added to the blockchain, and the shared insurance case is created by the second user and corresponds to a sum of For the second insurance case, the monitoring module of the first user is also used to perform the following steps: when monitoring the newly added shared insurance case, determine whether the shared insurance case is related to the first user, and if so, add a new shared insurance case The first insurance case corresponding to the shared insurance case is in the first database; and based on the common information of the first insurance case, the corresponding second insurance case is obtained through the second file processing module of the second client The non-public information is accessed and associated with the non-public information of the first insurance case, and stored in the first database.

According to a preferred implementation, the first user end and the second user end correspond to the first insurance provider and the second insurance provider respectively, and the shared insurance case in the blockchain includes information relative to the first insurance provider and the second insurance provider. An insurance carrier identification characteristic of the second insurance carrier.

In addition, in yet another specific implementation, the first service module of the first user end or the second service module of the second user end is used to update the joint compensation information of the shared insurance case in the blockchain. In a non-limiting implementation, the joint compensation information is a compensation ratio.

Another aspect of this disclosure is about a method of performing insurance operations using the blockchain system shown in any of the above embodiments. Through the construction of the system, data can be exchanged between each client in real time and efficiently. Complete the insurance compensation work promptly.

After referring to the following embodiments, those with ordinary knowledge in the technical field to which the present invention belongs can easily understand the basic spirit and other objectives of the present invention, as well as the technical means and implementation modes adopted by the present invention.

The main component symbols of the present invention are listed as follows:

100:Computer equipment

110: Communication unit

120:Storage unit

130: Processing unit

200:Blockchain system

210: First client

212:First service module

214: The first file processing module

216:First database

220: Second client

222: Second service module

224: Second file processing module

226: Second database

280:Blockchain

301-311, 401-413, 501-521: steps

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the accompanying drawings are described as follows: Figure 1 illustrates an embodiment of the present disclosure for running a block of the present invention for insurance operations. A schematic diagram of the computer equipment 100 of the chain system 200; Figure 2 is a schematic diagram of the configuration of the blockchain system 200 for insurance operations according to an embodiment of the present invention; Figure 3 shows a block chain system 200 according to an embodiment of the present invention. A schematic process diagram for inventing blockchain systems and applying them to insurance operations; Figure 4 shows a schematic flow chart of the blockchain system of the present invention applied to the insurance operation method according to another embodiment of the present invention; and Figure 5 illustrates the application of the blockchain system of the present invention to another embodiment of the present invention. Flowchart of insurance operation method.

In accordance with common practice, the various features and components in the figures are not drawn to scale but are drawn in a manner designed to best represent the specific features and components relevant to the present invention. In addition, the same or similar reference symbols are used to refer to similar elements/components in different drawings.

In order to make the description of the present disclosure more detailed and complete, the following provides an illustrative description of the implementation aspects and specific embodiments of the present invention; however, this is not the only form of implementing or using the specific embodiments of the present invention. The embodiments cover features of multiple specific embodiments as well as method steps and their sequences for constructing and operating these specific embodiments. However, other specific embodiments may also be utilized to achieve the same or equivalent functions and step sequences.

The "shared insurance case" mentioned here means that the information of the insurance case stored in the blockchain can be shared with specific parties. For example, the above-mentioned shared insurance cases are applicable to amortization, recovery or co-insurance cases of insurance cases.

Unless otherwise defined in this specification, the scientific and technical terms used herein have the same meanings as commonly understood and customary by a person of ordinary skill in the art to which this invention belongs. In addition, unless there is conflict with the context, the singular noun used in this specification covers the plural form of the noun; and the plural noun used also covers the singular form of the noun.

In order to solve the shortcomings of the previous technology, the co-insurance claim settlement process is complicated. In the process, case progress tracking and data verification are quite time-consuming and require a lot of manpower. Therefore, the present invention provides a A novel digital process and system, which is based on the blockchain system, enables different users to share jointly secured data through the blockchain, and through a specific file exchange method, allows users to It can achieve the effects of mutual trust, synchronization and real-time data exchange. In a preferred embodiment, the method and system disclosed in the present invention are suitable for co-insurance cases, especially in the process of insurance compensation or recovery.

Figure 1 is a schematic diagram of a computer device 100 running the blockchain system 200 for insurance operations of the present invention according to an embodiment of the present disclosure. Referring to Figure 1, the computer device 100 includes a communication unit 110, a storage unit 120 and a processing unit 130. The communication unit 110 is used to transmit and receive information. For example, the computer device 100 of the embodiment exchanges information through the communication unit 110 . In addition, the communication unit 110 will also transmit and receive query instructions for various types of information. In this embodiment, the communication unit 110 is implemented using a communication chip. The communication chip is, for example, a component that supports an Ethernet network, an optical fiber communication network, a telecommunications cable network, a wireless fidelity (Wireless Fidelity, Wi-Fi) system, etc. , or other chips that support standard communication specifications established by the Institute of Electrical and Electronics Engineers (IEEE), can be used in this disclosure.

The storage unit 120 is used to store various necessary information and necessary program codes for running the blockchain system 200 of the present invention. The storage unit 120 is, for example, any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (flash memory), It can be implemented with a hard disk (Hard Disk Drive, HDD), a solid state drive (Solid State Drive, SSD) or similar components or a combination of the above components, but the present disclosure is not limited thereto.

The processing unit 130 is connected to the communication unit 110 and the storage unit 120 to run necessary operations and functions of the blockchain system 200 . In an embodiment of the present disclosure, the processing unit 130 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processing (Digital Signal Processor, DSP), programmable controller, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or combinations of the above components, the disclosure is not limited thereto. It is worth mentioning that although there is only one processing unit 130 in Figure 1, in different embodiments of the present disclosure, the number of processing units 130 may also be plural. For example, for each system Each module is configured with a processing unit 130 to perform calculations, and the present disclosure is not limited thereto.

Figure 2 is a schematic configuration diagram of a blockchain system 200 for insurance operations according to an embodiment of the present invention.

The blockchain system 200 of the present invention includes a first client 210, a second client 220 and a blockchain 280, and the components are communicatively connected to each other. Those with ordinary skill in the technical field of the present invention should understand that the first user terminal 210 and the second user terminal 220 can be run by independent computer devices, but are not limited to this aspect.

The first user terminal 210 includes a first service module 212, a first file processing module 214 and a first database 216 that are communicatively connected to each other. The second client 220 includes a second service module 222, a second file processing module 224, and a second database 226 that are communicatively connected to each other. Please refer to Figures 1 and 2 at the same time. In one embodiment, the storage unit 120 will store the above-mentioned modules. It should be noted that in order to more easily understand the operation process of the blockchain system 200 of the present invention, in Figure 2 The communication unit 110, the storage unit 120 and the processing unit 130 are not shown in the figure. However, those skilled in the art can understand that the processing unit 130 will load the aforementioned modules from the storage unit 120 and complete the tasks of each module by running the aforementioned modules. In addition, in order to more clearly express the operation mode of the blockchain system for insurance operations, the following description uses the name of the module to describe the function of the module being loaded into the processing unit 130 and performing calculations.

Specifically, the first database 216 of the first client 210 is used to store a plurality of first insurance cases, and the first file processing module 214 is used to access the first insurance cases in the first database 216. And the first service module 212 provides information processing services and executes various steps according to the instruction requirements. In addition, in Figure 2 of this embodiment, only one first and second service module (212 and 222) are shown in the first user end 210 and the second user end 220; however, the service module The quantity can also be multiple, this The disclosure is not limited to this. Furthermore, the second user terminal 220 includes a second service module 222, a second file processing module 224 and a second database 226. The methods and functions performed by each module are the same as those described in the first user terminal 210. Therefore it will not be described further here.

In addition, the first user terminal 210 and the second user terminal 220 of the present invention can each be equipped with a monitoring module (not shown in the figure) to monitor whether there are new shared insurance cases in the blockchain 280, and when detecting When a new shared insurance case is added, it is determined whether the shared insurance case is related to the respective client. If so, a new first or second insurance case corresponding to the shared insurance case is added to the first database. 216 or the second database 226.

In addition, in order to prevent a single client from being damaged and affecting the operation of the blockchain system 200 of the present invention, the blockchain system 200 of the present invention can also establish a backup mechanism, for example, establishing a backup storage node on the first client 210. When any other client fails, transactions can be performed by connecting to the backup storage node of the first client 210 through the service module of each client.

Figure 3 is a schematic flowchart of an insurance operation method applied to the blockchain system of the present invention according to an embodiment of the present invention. The embodiment of Figure 3 is at least applicable to the blockchain system 200 of Figure 2, but is not limited thereto. The process of the insurance operation method will be explained below with reference to the blockchain system 200 in Figure 2.

First, in step 301, the first client 210 creates a first new insurance case, and then in step 303, it queries the blockchain 280 to see if there is a shared insurance case corresponding to the first new insurance case. This step is the first key to establishing an insurance case. , initially confirm whether the same shared insurance case is created through other users to avoid repeatedly establishing the same insurance case. After confirming that there is no corresponding shared insurance case in the blockchain 280, the first client 210 stores the first new insurance case in the first database 216 through the first file processing module 214 to form a new first insurance case. case, and create a new shared insurance case in the blockchain 280 (step 305). It should be noted that in a preferred embodiment, The first insurance case includes a common information and a non-public information, where the common information includes a joint compensation information and a case information, and the non-public information is related information such as review documents or personal information. It should be noted that the information in the first insurance case uploaded to the blockchain 280 in step 305 only contains common information, which is exchanged and shared through the blockchain 280. Non-public information refers to non-uploaded blockchain 280, and It is the information that mutual insurance providers exchange data with corresponding users. Data can be exchanged directly between users through other secure communication methods. In an optional implementation, the common information includes basic case information and amortization data. Taking property insurance as an example, the case information includes but is not limited to, compensation company, claim amount, compensation certificate number, accident date, The compensation vehicle number and the identity card number of the party involved are included, while the amortization information can be the compensation company, insurance certificate number, and amortization amount.

Those skilled in the art of the present invention should be able to understand that the case information uploaded to the blockchain 280 is formed in an encrypted hash manner. Then, in step 307, the second client creates a second new insurance case. Then, in step 309, the blockchain 280 is checked whether there is a shared insurance case corresponding to the second new insurance case. If so, the common information of the second new insurance case corresponding to the shared insurance case in the blockchain 280 is retrieved into the second database 226 to form a new second insurance case. It should be noted that the first The first insurance case of the user end 210 and the second insurance case of the second user end 220 are essentially the same insurance case and have the same common information. Furthermore, based on the common information of the first insurance case and the second insurance case, the second service module 222 of the second user terminal 220 can also use the first user terminal based on the common information of the second insurance case. The first file processing module 214 of 210 obtains the non-public information corresponding to the first insurance case, accesses and associates it with the non-public information of the second insurance case, and stores it in the second database 226 (not shown in the figure) ). It can be seen that the present invention divides the data of insurance cases into different levels, one is common information, and the other is non-public information, and uses two different channels to share data with different users. The users can use the blockchain to obtain the shared information in real time. On the platform, is there anything that everyone should use? For insurance cases related to users, after the relevant insurance cases are updated in real time, if you need to further obtain non-public information about the corresponding insurance cases in other users, you can obtain insurance claims from the corresponding users through other information connection channels. Other non-public information in the system can be shared instantly and the transmission of insurance case data can be effectively controlled, achieving mutual trust and mutual assistance among all users.

Figure 4 is a schematic flowchart of the application of the blockchain system 200 of the present invention to an insurance operation method according to another embodiment of the present invention.

In this implementation, a second new insurance case is created by the second client 220 (step 401). Similarly, the second client 220 queries the blockchain 280 through the second service module 222 to see whether there is any relevant insurance case. If there is a shared insurance case corresponding to the second new insurance case (step 403), the second client 220 will store the second new insurance case in the second database 226 to form a new second insurance case and store it in the district. Create a new shared insurance case in the blockchain 280 (step 405). In this implementation, the first user terminal 210 may be provided with a monitoring module. When it monitors that there is a new shared insurance case in the blockchain 280, it determines whether it is related to the first user terminal 210 (step 407) . Those with ordinary knowledge in the technical field to which the present invention belongs should understand that the common information of the shared insurance case may include compensation companies, and the node information may include the label information of these compensation companies, so that the corresponding user can Identify whether the shared insurance case is an insurance case belonging to the respective user end. If the shared insurance case is a related case, the first client 210 creates a first new insurance case through the first service module 212 and the first file processing module 214 and stores it in the first database 216, and simultaneously retrieves Get the first new insurance case information corresponding to the shared insurance case (step 411). Furthermore, the first client 210 exchanges non-public information files with the second client 220 through other secure connection methods, for example, through P2P through the first service module 212 of the first client 210 and the second client. The second file processing module 224 of 220 is connected to retrieve the non-public information of the insurance case to be obtained (step 413).

Figure 5 is a schematic flowchart of the application of the blockchain system 200 of the present invention to an insurance claim settlement method according to an embodiment of the present invention.

In one embodiment, the first user terminal 210 and the second user terminal 220 may correspond to two different insurance companies. When the first user terminal 210 receives the claim settlement information (step 501), it queries the blockchain 280 through the first service module 212 of the first user terminal 210 to see whether the peer has established relevant information in the blockchain 280. shared insurance case (step 503); if not, the first client 210 creates a new first insurance case through the first service module 212 and the second file processing module 224 and stores it in the first database 216. And create a new shared insurance case in the blockchain 280 (step 505). When the corresponding claims company (i.e., the second client) monitors the shared insurance case related to it in the blockchain 280 through its monitoring module (step 507), through the second service module of the second client 220 The group 222 and the second file processing module 224 create a new second insurance case in the second database 226, and simultaneously retrieve the second insurance case information corresponding to the shared insurance case (step 511). It should be noted that all The blockchain 280 only contains common information about insurance cases. Therefore, the second client 220 also obtains non-public information from the second file processing module 224 of the first client 210 through the second service module 222 (step 513 ), such as the basic information of the parties and review documents, etc. The first user terminal 210 completes the settlement of the claim and settlement (step 515), uploads the actual compensation data in the first insurance case to the blockchain 280 to update the shared insurance case (step 517), and the second user terminal 220 will Synchronously monitoring the second insurance case that updates the second database 226 of the shared insurance case through the second file processing module 224, the second client 220 can also upload the compensation data to the blockchain 280 and update the sharing Insurance case (step 519). The first client 210 detects through the monitoring module that the shared insurance case has been updated to complete the compensation operation, and finally performs the filing and closing operation (step 521). In view of this, through the blockchain system of the present invention, the compensation status of each user (that is, corresponding to each joint compensation company) can be monitored in real time.

In addition, it should be noted that there can be multiple users of this system, and insurance case data can be exchanged through any of the above implementation methods, so that each user can share information through the blockchain and complete insurance cases efficiently. Furthermore, the insurance case in the above embodiment has two corresponding usage terminals. However, it is not limited to this, and there can also be three, four, five, six, seven, or eight or more usage terminals. It is also understandable that if the amount of data is too large and the client in the blockchain system 200 of the present invention cannot load these operations, the administrator can set up the same modules in parallel (for example, set up two sets of service modules), and then Share computing load and increase system flexibility.

In summary, the blockchain system proposed by the present invention enables data exchange between users through different channels, achieves real-time sharing of data, accelerates claims settlement, reduces the occurrence of human errors, and improves operating efficiency. At the same time, the present invention The blockchain system architecture can take into account the privacy of each user and ensure the confidentiality of information exchanged between the two parties of the co-compensation company.

Although the above embodiments disclose specific examples of the present invention, they are not intended to limit the present invention. Those with ordinary knowledge in the technical field to which the present invention belongs can, without departing from the principles and spirit of the present invention, Various changes and modifications can be made to it, so the protection scope of the present invention shall be defined by the appended patent application scope.

200:Blockchain system

210: First client

212:First service module

214: The first file processing module

216:First database

220: Second client

222: Second service module

224: Second file processing module

226: Second database

280:Blockchain

Claims (12)

A blockchain system for insurance workflow, including: a blockchain used to store a plurality of shared insurance cases; a first client communicating with the blockchain, and the first client includes a The first database, a first file processing module and a first service module are communicatively connected to each other, wherein: the first database is used to store a plurality of first insurance cases; the first file processing module is used to store a plurality of first insurance cases; To access the first insurance cases in the first database; and the first service module to perform the following steps: a) Create a first new insurance case and query whether there is one in the blockchain If there is no shared insurance case corresponding to the first new insurance case, the first new insurance case is stored in the first database to form a newly added first insurance case, wherein the first insurance case Contains a common information and a non-public information, wherein the common information includes a joint compensation information and a case information; and b) creates a new shared insurance case in the blockchain, and the shared insurance case corresponds to this step a) The newly added common information of the first insurance case; a second client that is communicatively connected to the blockchain and the first client, and the second client includes a second database, a first client Two file processing modules and a second service module are communicated with each other, wherein: the second database is used to store a plurality of second insurance cases; the second file processing module is used to access the second data the second insurance cases in the library; and the second service module to perform the following steps: a) Create a second new insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the blockchain. If so, retrieve the shared insurance case corresponding to the blockchain to form a The newly added second insurance case, in which the first insurance case and the second insurance case have the same common information; and b) based on the common information of the second insurance case, processed through the first file of the first client The module obtains the non-public information corresponding to the first insurance case, accesses and associates the non-public information with the second insurance case, and stores it in the second database. The blockchain system as described in claim 1, wherein the first client and the second client each further include a monitoring module that monitors and detects whether the shared insurance case is newly added to the blockchain. The blockchain system described in claim 2, wherein the shared insurance case is newly added to the blockchain, and the shared insurance case is created by the second user and corresponds to one of the second insurance cases, The monitoring module of the first user is also used to perform the following steps: when monitoring the newly added shared insurance case, determine whether the shared insurance case is related to the first user, and if so, add a corresponding Sharing the first insurance case of the insurance case in the first database; and based on the common information of the first insurance case, obtaining the non-public information corresponding to the second insurance case through the second file processing module of the second client Information, access and associate the non-public information of the first insurance case, and store it in the first database. The blockchain system as described in claim 1, wherein the first user end and the second user end correspond to a first insurance provider and a second insurance provider respectively, and the shared insurance cases in the blockchain include relative An insurance carrier identification feature for the first insurance carrier and the second insurance carrier. The blockchain system as described in claim 1, wherein: the first service module of the first user end or the second service module of the second user end is used to update the shared insurance in the blockchain The joint compensation information of the case. The blockchain system as described in claim 4, wherein the joint compensation information is a compensation ratio. An insurance operation method based on blockchain includes: providing a blockchain to store a plurality of shared insurance cases; providing a first client to communicate with the blockchain, and the first client includes a The first database, a first file processing module and a first service module are communicatively connected to each other, wherein: the first database is used to store a plurality of first insurance cases; the first file processing module is used to store a plurality of first insurance cases; To access the first insurance cases in the first database; and the first service module to perform the following steps: a) Create a first new insurance case and query whether there is one in the blockchain If there is no shared insurance case corresponding to the first new insurance case, the first new insurance case is stored in the first database to form a newly added first insurance case, wherein the first insurance case Contains a common information and a non-public information, wherein the common information includes a joint compensation information and a case information; and b) creates a new shared insurance case in the blockchain, and the shared insurance case corresponds to this step a) The common information of the newly added first insurance case; Provide a second client to communicate with the blockchain and the first client, and the second client includes a second database, a second file processing module and a second service module to communicate with each other Connection, wherein: the second database is used to store a plurality of second insurance cases; the second file processing module is used to access the second insurance cases in the second database; and the second The service module is used to perform the following steps: a) Create a second new insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the blockchain. If so, then add the shared insurance case to the blockchain The common information of the second new insurance case corresponding to the shared insurance case is stored in the second database to form a newly added second insurance case, wherein the first insurance case and the second insurance case have The same common information; and b) based on the common information of the second insurance case, obtain the non-public information corresponding to the first insurance case through the first file processing module of the first client, access and associate it with the second insurance case Non-public information on insurance cases is stored in the secondary database. The method of claim 7, wherein the first client and the second client each further include a monitoring module, wherein the monitoring module is used to monitor and detect whether the share is added to the blockchain Insurance Cases. The method described in claim 8, wherein the shared insurance case is newly added to the blockchain, and the shared insurance case is created by the second client, and the shared insurance case corresponds to one of the second insurance cases , the monitoring module of the first client is also used to perform the following steps: When the newly added shared insurance case is monitored, it is determined whether the shared insurance case is related to the first client. If so, a new first insurance case corresponding to the shared insurance case is added to the first database. ; and based on the common information of the first insurance case, obtain the non-public information corresponding to the second insurance case through the second file processing module of the second client, access and associate the non-public information of the first insurance case , and stored in the first database. The method of claim 7, wherein the first user end and the second user end correspond to a first insurance provider and a second insurance provider respectively, and the shared insurance case in the blockchain includes information relative to the first insurance provider. An insurance carrier and an insurance carrier identification characteristic of the second insurance carrier. The method of claim 7, wherein: the first service module of the first user terminal or the second service module of the second user terminal is used to update the shared insurance case in the blockchain. Joint compensation information. The method described in claim 7, wherein the joint compensation information is a compensation ratio.

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