WO2020082583A1

WO2020082583A1 - Theft and damage insurance claim method and apparatus, and server and medium

Info

Publication number: WO2020082583A1
Application number: PCT/CN2018/123885
Authority: WO
Inventors: 汤琦
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-10-25
Filing date: 2018-12-26
Publication date: 2020-04-30
Also published as: CN109447829A

Abstract

Provided are a theft and damage insurance claim method and apparatus, and a server and a medium. The method comprises: when a theft and damage insurance claim application for a target product is received from a terminal, querying theft and damage insurance information, recorded on a blockchain, of the target product, wherein the theft and damage insurance information of the target product comprises a target product identifier, a target insurance status and target insurance details, the target insurance details comprise the insured amount and an insurance record, and the blockchain is generated according to the theft and damage insurance information of the multiple insured products; when the target insurance status is "claimed", outputting claim rejection prompt information to the terminal; and when the target insurance status is "insured", performing claim settlement processing on the target product according to the target insurance details and registering, on the blockchain, the target insurance status as being claimed. By means of the present application, an insurance fraud behavior such as repeated insurance fraud regarding theft and damage insurance can be effectively avoided by means of theft and damage insurance information of each insured product.

Description

Method, device, server and medium for claiming loss insurance

This application requires the priority of the Chinese patent application submitted to the China Patent Office on October 25, 2018, with the application number 2018112503230 and the application name as "a method, device, server and medium for loss insurance claims", all of which are approved by The reference is incorporated in this application.

Technical field

The present application relates to the field of computer technology, and in particular, to a method, device, server and medium for claiming compensation for loss insurance.

Background technique

For insurance companies, it is often difficult to prevent all kinds of malicious fraudulent insurance behaviors, especially for theft insurance against diamonds, watches and other assets. Among them, the theft and loss insurance refers to a kind of insurance against valuables assets, which can protect the loss of valuables assets in the event of theft. However, due to the opaqueness of information among insurance companies, fraudulent acts such as repeated fraudulent insurance against theft and loss insurance often occur.

Summary of the invention

Embodiments of the present application provide a method, device, server, and medium for claiming insurance against theft and loss insurance, which can effectively avoid fraudulent acts such as repeated fraudulent insurance against theft and loss insurance through the information about the insurance against theft of the insurance products.

In the first aspect, an embodiment of the present application provides a theft loss insurance claim method, which is applied to an information server, where the information server is any node device in the blockchain network, and each node device in the blockchain network It is used to record the theft insurance information of multiple insured commodities; the method includes:

When receiving the terminal ’s claim for the theft of insurance against the target product, it queries the information about the theft of the target product recorded on the blockchain. The information about the target ’s theft includes the identification of the target product and the target insurance status And target insurance details; the target insurance details include the insured amount and insurance records; the blockchain is generated based on the theft insurance information of the multiple insured commodities;

When the target insurance status is insured, output a prompt message to refuse claims to the terminal;

When the target insurance status is insured, claim processing is performed on the target commodity according to the target insurance details, and the target insurance status is registered as insured on the blockchain.

In a second aspect, an embodiment of the present application provides a theft and loss insurance claim device, which is applied to an information server, where the information server is any node device in the blockchain network, and each node device in the blockchain network Used to record the theft insurance information of multiple insured commodities; including:

The processing unit is configured to, when receiving the terminal's claim for the theft insurance claim of the target product, query the theft insurance information of the target product recorded on the blockchain, and the target product's theft insurance information includes the target product Identification, target insurance status and target insurance details; the target insurance details include insured amount and insurance records; the blockchain is generated based on the theft insurance information of the multiple insured commodities;

A communication unit, configured to output a prompt message for refusing claims to the terminal when the target insurance status is insured;

The processing unit is further configured to perform claim processing on the target commodity according to the target insurance details when the target insurance status is insured, and register the target insurance status as insured on the blockchain.

In a third aspect, an embodiment of the present application provides a server, including a processor, an input device, an output device, and a memory, where the processor, input device, output device, and memory are connected to each other, wherein the memory is used to store a computer A program, the computer program includes program instructions, and the processor is configured to call the program instructions to perform the method according to the first aspect.

According to a fourth aspect, an embodiment of the present application provides a computer-readable storage medium that stores a computer program, where the computer program includes program instructions, which when executed by a processor causes the processing The device executes the method as described in the first aspect.

In summary, when receiving the terminal ’s claim for the theft of insurance against the target product, the information server can query the information about the theft of the target product recorded on the blockchain, and can determine whether it is based on the information about the theft of the insurance Settlement of claims, thus effectively avoiding fraudulent acts such as repeated fraudulent insurance against theft and loss insurance through the information of the theft insurance of each insured product.

BRIEF DESCRIPTION

This application FIG. 1 of this application is a schematic flow chart of a method for claim settlement of loss insurance provided by an embodiment of this application;

FIG. 2 is a schematic flowchart of another method of claiming for loss insurance claims according to an embodiment of the present application;

3 is a schematic diagram of a network architecture of a theft and loss insurance claim system provided by an embodiment of the present application;

4 is a schematic structural diagram of a theft loss insurance claim device provided by an embodiment of the present application;

5 is a schematic structural diagram of a server provided by an embodiment of the present application.

detailed description

The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.

Please refer to FIG. 1, which is a schematic flowchart of a method for claim settlement of a loss insurance provided by an embodiment of the present application. Among them, this method can be applied to an information server, which is any node device in the blockchain network, and each node device in the blockchain network is used to record the theft and loss insurance information of multiple insured commodities. Specifically, the method may include the following steps:

S101. When receiving the terminal's claim for the theft insurance claim of the target product, query for the theft insurance information of the target product recorded on the blockchain. The target product's theft insurance information includes the target product identification and target Insurance status and target insurance details.

Wherein, the terminal may be a terminal corresponding to an employee of an insurance company, or in an embodiment, it may also be a terminal corresponding to the insured corresponding to the target product. The terminal includes but is not limited to smart terminals such as smart phones, tablet computers, notebook computers, and desktop computers. The blockchain is generated based on the theft insurance information of the insured commodities. In one embodiment, the blockchain can be a public chain. The target product identifier may be information for uniquely identifying the target product such as the name and number of the target product. The target insurance status can be divided into insured and insured. Insured refers to the state in which insurance has been insured, and insured refers to the state in which the commodity has been lost. In one embodiment, the insured is registered in the blockchain after claiming the goods. Or, the insured is registered in the blockchain after confirming that the product is currently in a lost state. Through the insurance status, you can quickly determine whether to settle claims for commodities during the claim process. The target insurance details include the insured amount and insurance record. Through the insurance details, you can more intuitively determine the insuring dynamics of each commodity in order to settle claims. The insurance amount may include the insurance amount, and in one embodiment, the insurance cost may also be included. The insurance record may include any one or more of the following: the time of insurance, the number of times of insurance, and the logo of the insurance company for each insurance application. The identification of the insurance company includes, but is not limited to, the registered name of the insurance company and / or the identification of the corresponding information server, such as the physical address of the information server. In one embodiment, the information server may be an insurance company server, such as an access server corresponding to an insurance company.

In one embodiment, when receiving the terminal's claim for the theft insurance claim of the target product, the information server can query whether the theft insurance information of the target product has been recorded on the blockchain; when the query has not been recorded on the blockchain When the target product's theft insurance information indicates that the target product may not be insured, at this time the information server may output a prompt message to refuse claims to the terminal. Wherein, the theft loss insurance claim application may carry the target commodity identification, which is used to query whether the theft damage insurance information of the target commodity has been recorded on the blockchain according to the target commodity identification.

The information server may perform step S102 and step S103 in parallel after performing step S101.

S102. When the target insurance status is insured, output prompt information for refusing claims to the terminal.

When the target insurance status is insured, it means that the target product has been lost. At this time, the application for the loss insurance claim for the target product is received, indicating that there is the possibility of fraudulent insurance, so you can output a prompt message to refuse claims to the terminal to Alarm.

In an application scenario, store A sells goods to user 1 a watch (its logo is 1XXXX), user 1 can insure the watch against theft and loss insurance for the watch at insurance company 1, after the insurance is successful, insurance company 1 can pass the information server Write the theft insurance information of the watch into the blockchain. After user 1 loses his watch, he can initiate a claim with insurance company 1. When the information server receives a claim for the theft insurance claims for the watch, it can query the theft insurance information of the watch recorded by the blockchain; when the target insurance status included in the watch's theft insurance information is insured At this time, the prompt message of rejection of claims is output.

S103. When the target insurance status is insured, claim processing is performed on the target commodity according to the target insurance details, and the target insurance status is registered on the blockchain as insured.

In the embodiment of the present application, the information server may perform claim processing on the target commodity according to the target insurance details in various ways. That is, the information server can obtain the preset claim strategy or the target smart contract recorded on the blockchain to claim the target commodity according to the target insurance details.

Among them, the preset claim strategy refers to the claim strategy set for the theft insurance corresponding to the target commodity, and the preset claim strategy is based on the blockchain. The preset claim strategy may include any one or more of the following: claim terms, claim method, and claim amount. The target smart contract refers to a smart contract set for the theft insurance corresponding to the target commodity, and the target smart contract is based on the blockchain. The target smart contract may include any one or more of the following: claim clause, claim method, and claim amount. The above-mentioned claims clauses can include claims period, claims liability, etc. The claims method can stipulate the method of calculating the claim amount. For example, the first danger liability compensation method can be adopted. Among them, the specific claims method can be adjusted according to the actual situation. There are no restrictions on it.

In one embodiment, the information server performs claim processing on the target commodity according to the target insurance details, which may include: the information server performs claim processing on the target commodity according to the target insurance details and a preset claim strategy.

For example, the information server performs claim processing on the target product according to the target insurance details and the preset claim strategy, which may include: the information server may determine the insured time according to the target insurance details and the time when the theft insurance application is received Whether the target product is within the claim period; when it is determined that the target product is within the claim period, the information server calculates the claim amount based on the insured amount, claim terms, and claim method, and pays the target product according to the claim amount.

In one embodiment, the information server performs claim processing on the target commodity according to the target insurance details, which may include: the information server performs claim processing on the target commodity according to the target insurance details and the target smart contract recorded on the blockchain.

For example, the information server performs claim processing on the target commodity according to the target insurance details and the smart contract recorded on the blockchain, which may include: the information server may according to the insurance time included in the target insurance details and the receipt of the theft insurance application Time to judge whether the target product is within the claim period; when it is determined that the target product is within the claim period, the information server calculates the claim amount according to the insured amount, claim terms, and claim method, and pays the target product according to the claim amount.

Wherein, the process of the aforementioned information server claiming the target commodity according to the claim amount may be based on the blockchain, or may be based on the blockchain, which is not limited in the embodiments of the present application.

In one embodiment, when the target insurance status is insured, the information server may output claim prompting information to the terminal; the claim prompting information is used to instruct claim processing on the target commodity according to the target insurance details. By outputting the claim reminder information, it is convenient for the insurance company's claim process.

In one embodiment, the target insurance details may further include a claim record, and the information server may update the claim record in the blockchain after claim processing the target commodity according to the target insurance details. Specifically, the information server updating the claim record in the blockchain may include: when it is determined that the target commodity is successfully settled, the information server obtains the claim time and the identification of the insurance company that claims the claim; the information server uses the claim time and the claim The logo of the insurance company is registered in the claims record.

In one embodiment, the claim time and the identification of the insurance company of the claim may be sent by the terminal to the information server.

It can be seen that in the embodiment shown in FIG. 1, when receiving the terminal's claim for the theft insurance claim of the target product, the information server can query the theft insurance information of the target product recorded on the blockchain; when the theft is lost When the target insurance status included in the insurance information is insured, the information server can output a refusal claim to the terminal; when the target insurance status included in the theft insurance information is insured, the information server can respond to the target insurance details. The target product performs claims processing, and registers the target insurance status on the blockchain as insured, so that through the theft insurance information of each insured product, it can effectively avoid fraudulent acts such as repeated fraudulent insurance against theft insurance.

Please refer to FIG. 2, which is a schematic flowchart of another method for claiming compensation for loss insurance. Among them, this method can be applied to an information server, which is any node device in the blockchain network, and each node device in the blockchain network is used to record the theft and loss insurance information of multiple insured commodities. Specifically, the method may include the following steps:

S201. When receiving the terminal's claim for the theft insurance claim of the target product, query for the theft insurance information of the target product recorded on the blockchain. The target product's theft insurance information includes the target product identification and target Insurance status and target insurance details.

S202. When the target insurance status is insured, output prompt information for refusing claims to the terminal.

S203. When the target insurance status is insured, claim processing is performed on the target commodity according to the target insurance details, and the target insurance status is registered on the blockchain as insured.

For steps S201-S203, reference may be made to steps S101-S103 in the embodiment of FIG. 2, and the embodiments of the present application will not repeat them here. The information server may execute step S204 after performing step S203.

S204. When receiving the terminal's application for insurance against theft of the target product, check whether the target product identifier has been recorded on the blockchain.

In the embodiment of the present application, when receiving an application for insurance against theft of a target product by a terminal, the information server may query whether the target product identifier has been recorded on the blockchain.

In one embodiment, in the scenario where the insurant wants to renew the theft insurance or repeat the insurance against the target commodity, when the target commodity identifier is recorded on the blockchain, the information server determines that If the target insurance status is insured, the target product can be insured according to the corresponding information carried in the theft insurance application, or it can also output the insurance reminder information to the terminal to prompt the insured process for the target product.

In one embodiment, in the scenario where the insurer first insures the target commodity, when it is found that the target commodity identifier is not recorded on the blockchain, the information server may determine the target commodity if the target commodity is successfully insured The theft insurance information is written into the blockchain. Correspondingly, the server may perform insurance processing on the target commodity according to the corresponding information carried in the insurance application for theft and loss insurance, or may also output insurance reminder information to the terminal to prompt the insurance processing on the target commodity.

S205. When it is found that the target commodity identifier has been recorded on the blockchain, if it is found that the target insurance status corresponding to the target commodity is insured, then output a prompt message to refuse insurance to the terminal.

In the embodiment of the present application, when the target insurance status corresponding to the target commodity on the blockchain is queried, it indicates that the target commodity has been lost, and if a further application for the insurance of the insurance against the target commodity is received, it indicates that There may be fraudulent insurance behavior for the target product, so you can output a prompt message to refuse insurance to the terminal for warning.

In an application scenario, store A sells goods to user 1 a watch (its logo is 1XXXX), user 1 can insure the watch against theft and loss insurance for the watch at insurance company 1, after the insurance is successful, insurance company 1 can pass the information server Write the theft insurance information of the watch into the blockchain. After user 1 loses his watch, he can initiate a claim with insurance company 1. After the insurance company 1 makes a claim for the watch, assume that user 1 sells the watch to the black market. If someone insures the watch again, the information server can query it when receiving an application for insurance against the watch On the blockchain, the watch identifier 1XXXX has been recorded and the target insurance status corresponding to the watch is insured. At this time, the notification message of refusal to insurance can be output to the terminal for warning.

In one embodiment, when receiving the terminal's instruction of theft insurance for the target product, the information server can also inquire whether the information of the object's theft insurance has been recorded on the blockchain; When recording the piracy insurance information of the target product, the information server outputs the piracy insurance information of the target product to the terminal. Wherein, the instruction of the theft and loss insurance inquiry may include the target commodity identification.

In an optional embodiment, the information server may also, when receiving the terminal's claim for the theft insurance claim of the target product, query the theft insurance information of the target product recorded on the blockchain before receiving When the terminal applies for the theft insurance of the target product, check whether the target product ID has been recorded on the blockchain; when the target product ID has been recorded on the blockchain, if the target insurance corresponding to the target product is found If the status is insured, the prompt message of refusal to insurance is output to the terminal. When it is found that the target commodity identification is not recorded on the blockchain, if it is determined that the target commodity is successfully insured, the theft insurance information of the target commodity is written into the blockchain.

It can be seen that in the embodiment shown in FIG. 2, when the server receives the terminal's claim for the theft of insurance against the target product, the information server can query the information about the theft of the target product recorded on the blockchain; when the When the target insurance status included in the theft insurance information is insured, the information server can output a refusal claim to the terminal; when the target insurance status included in the theft insurance information is insured, the information server can use the target insurance details Claim processing for the target product, and register the target insurance status as insured on the blockchain; when receiving the application for theft insurance of the target product, if the query is found that the target product ID has been recorded on the blockchain In addition, the target insurance status corresponding to the target product is insured, and then output the refusal insurance notification message to the terminal, thereby effectively avoiding fraudulent acts such as repeated fraudulent insurance against theft insurance through the theft insurance information of each insured product.

Please refer to FIG. 3, which is a schematic diagram of a network architecture of a theft and loss settlement system provided by an embodiment of the present application. The system may include: an information server 10 (such as an access server corresponding to insurance company A), an information server 20 (such as an access server corresponding to insurance company B), and an information server 30 (such as an access server corresponding to insurance company B) ). Among them, the information server 10, the information server 20, and the information server 30 are all node devices in the blockchain network, and can communicate based on the blockchain network. In one embodiment, the information server 10, the information server 20, and the information server 30 can become node devices in the blockchain network by installing corresponding software (such as a stolen insurance system). The information server A, the information server B, and the information server C can establish a blockchain based on the theft insurance to share the theft insurance information of multiple insured commodities.

The information server 10 will be taken as an example to illustrate a method for claim settlement of theft insurance provided by the embodiment of the present application. Specifically, the terminal 40 may send an application for the theft insurance claim for the target product to the information server 10, so that the information server 10 may execute steps S101-S103 to output a rejection when it is determined that the target insurance status corresponding to the target product is insured Claim reminder information to terminal 40; when it is determined that the target insurance package status is insured, the target commodity is processed according to the target insurance details corresponding to the target commodity, and the target insurance status is registered on the blockchain as insured Thus, through the theft insurance information of each insured product, the fraudulent insurance behavior such as repeated fraudulent insurance against theft insurance is effectively avoided.

Please refer to FIG. 4, which is a schematic structural diagram of a theft and loss insurance claim device provided by an embodiment of the present application. Among them, the device can be applied to an information server, which is any node device in the blockchain network, and each node device in the blockchain network can be used to record the theft insurance information of multiple insured commodities. Specifically, the theft loss insurance claim settlement device may include:

The processing unit 401 is configured to, when receiving a terminal's claim for the theft insurance claim of the target product, query the theft insurance information of the target product recorded on the blockchain, and the target product's theft insurance information includes the target Commodity identification, target insurance status and target insurance details; the target insurance details include insured amount and insurance record; the blockchain is generated based on the theft insurance information of the multiple insured products;

The communication unit 402 is configured to output prompt information for refusing claims to the terminal when the target insurance status is insured;

The processing unit 401 is further configured to perform claim processing on the target commodity according to the target insurance details when the target insurance status is insured, and register the target insurance status as insured on the blockchain.

In an alternative embodiment, the processing unit 401 is also used to query whether the target commodity identification has been recorded on the blockchain when receiving the terminal ’s application for insurance against theft of the target commodity; when the blockchain is inquired When the target product identifier has been recorded on the tracker, if it is found that the target insurance status corresponding to the target product is insured, then the communication unit 402 outputs a refusal message to the terminal.

In an optional embodiment, the processing unit 401 is further used to query whether the target commodity identifier has been recorded on the blockchain after querying whether the target commodity identifier has been recorded on the blockchain, if It is determined that the target commodity is successfully insured, and then the theft insurance information of the target commodity is written into the blockchain.

In an optional embodiment, the processing unit 401 is specifically configured to perform claims processing on the target commodity according to the target insurance details and the target smart contract recorded on the blockchain; wherein, the target smart contract It is a smart contract set for the theft insurance corresponding to the target commodity, and the target smart contract includes any one or more of the following: claim clause, claim method, and claim amount.

In an optional embodiment, the target insurance details include claim records.

In an optional embodiment, the processing unit 401 is further configured to obtain the claim time and claim after determining that the target product has been successfully processed after claim processing according to the target insurance details The insurance company's logo; register the claim time and the insurance company's logo in the claim record.

In an optional embodiment, the communication unit 402 is further configured to output claim reminder information to the terminal when the target insurance status is insured; the claim reminder information is used to indicate that the target insurance Details of claim settlement for the target product.

In an optional embodiment, the processing unit 401 is also used to query whether the theft of the target product has been recorded on the blockchain when the terminal's instruction for theft insurance of the target product is received through the communication unit 402 Damage insurance information; when it is found that the target commodity's theft insurance information has been recorded on the blockchain, the target unit's theft insurance information is output to the terminal through the communication unit 402.

It can be seen that in the embodiment shown in FIG. 4, when receiving the terminal ’s claim for the theft insurance claim of the target product, the information server can query the theft insurance information of the target product recorded on the blockchain; when the theft is lost When the target insurance status included in the insurance information is insured, the information server can output a refusal claim to the terminal; when the target insurance status included in the theft insurance information is insured, the information server can respond to the target insurance details. The target product performs claims processing, and registers the target insurance status on the blockchain as insured, so that through the theft insurance information of each insured product, it can effectively avoid fraudulent acts such as repeated fraudulent insurance against theft insurance.

Please refer to FIG. 5, which is a schematic structural diagram of a server according to an embodiment of the present application. The server described in this embodiment may include: one or more processors 100, one or more input devices 200, one or more output devices 300, and a memory 400. The processor 100, the input device 200, the output device 300, and the memory 400 may be connected through a bus.

The input device 200 and the output device 300 may be standard wired or wireless communication interfaces.

The processor 100 may be a central processing module (Central Processing Unit, CPU), the processor may also be other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC) 2. Ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The memory 400 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as a disk memory. The memory 400 is used to store a set of program codes, and the input device 200, the output device 300, and the processor 100 can call the program codes stored in the memory 400. specifically:

The processor 100 is configured to, when receiving a terminal's claim for the theft insurance claim of the target product through the input device 200, query the theft insurance information of the target product recorded on the blockchain, the theft of the target product Insurance information includes target product identification, target insurance status and target insurance details; the target insurance details include insured amount and insurance record; the blockchain is generated based on the theft insurance information of the multiple insured products; When the target insurance status is insured, output a prompt message of rejection of claims to the terminal through the output device 300; when the target insurance status is insured, perform claim processing on the target commodity according to the target insurance details, and Register the target insurance status on the blockchain as insured.

Optionally, the processor 100 is also used to query whether the target commodity identification has been recorded on the blockchain when the terminal ’s application for insurance against theft of the target commodity is received through the input device 200; When recording the target commodity identifier, if the target insurance status corresponding to the target commodity is inquired as insured, the prompt message of refusal to insurance is output to the terminal through the output device 300.

Optionally, the processor 100 is further configured to, after querying whether the target commodity identifier has been recorded on the blockchain, when it is inquired that the target commodity identifier has not been recorded on the blockchain, if it is determined that the target commodity is insured If successful, the theft and loss insurance information of the target commodity is written into the blockchain.

Optionally, the processor 100 is specifically configured to perform claim processing on the target commodity according to the target insurance details and the target smart contract recorded on the blockchain; wherein, the target smart contract is for the target commodity Corresponding to the smart contract set by the theft insurance, the target smart contract includes any one or more of the following: claim terms, claim method, and claim amount.

In an optional embodiment, the target insurance details include claim records.

Optionally, the processor 100 is further configured to obtain the identification of the claim time and the identification of the insurance company that has settled the claim after the claim is processed according to the target insurance details and the target commodity is determined to be successful; Register the claim time and the identification of the insurance company that claims the claim in the claim record.

Optionally, the processor 100 is further configured to output claim reminder information to the terminal through the output device 300 when the target insurance status is insured; the claim reminder information is used to indicate Claim processing is performed on the target commodity.

Optionally, the processor 100 is also used to query whether the theft insurance information of the target commodity has been recorded on the blockchain when receiving the terminal's instruction of theft insurance against the target commodity through the input device 200; When the theft insurance information of the target commodity has been recorded on the blockchain, the theft insurance information of the target commodity is output to the terminal through the output device 300.

In a specific implementation, the processor 100, the input device 200, and the output device 300 described in the embodiments of the present application may execute the implementation modes described in the embodiment of FIG. 1 and the embodiment of FIG. 2, and may also perform The implementation method will not be repeated here.

The functional modules in the embodiments of the present application may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module. The above integrated modules can be implemented in the form of sampling hardware or in the form of sampling software function modules.

A person of ordinary skill in the art may understand that all or part of the processes in the method of the foregoing embodiments may be completed by instructing relevant hardware through a computer program, and the program may be stored in a computer-readable storage medium, and the program During execution, the process of the embodiments of the above methods may be included. Wherein, the storage medium may be a magnetic disk, an optical disk, a read-only memory (Read-Only Memory, ROM) or a random access memory (Random Access Memory, RAM), etc.

The above disclosure is only a preferred embodiment of the present application. Of course, it cannot be used to limit the scope of the rights of the present application. Those of ordinary skill in the art can understand all or part of the process of implementing the above embodiments and follow the rights of the present application The equivalent changes required are still within the scope of the invention.

Claims

A theft loss insurance claim method applied to an information server, characterized in that the information server is any node device in the blockchain network, and each node device in the blockchain network is used to record multiple insurances Commodity theft insurance information; the method includes:

When receiving the terminal ’s claim for the theft of insurance against the target product, it queries the information about the theft of the target product recorded on the blockchain. The information about the target ’s theft includes the identification of the target product and the target insurance status And target insurance details; the target insurance details include the insured amount and insurance records; the blockchain is generated based on the theft insurance information of the multiple insured commodities;

When the target insurance status is insured, output a prompt message to refuse claims to the terminal;

When the target insurance status is insured, claim processing is performed on the target commodity according to the target insurance details, and the target insurance status is registered as insured on the blockchain.
The method according to claim 1, wherein the method further comprises:

When receiving a terminal application for insurance against theft of a target product, check whether the target product ID has been recorded on the blockchain;

When it is found that the target commodity identifier has been recorded on the blockchain, if it is found that the target insurance status corresponding to the target commodity is insured, a prompt message to refuse insurance is output to the terminal.
The method according to claim 2, wherein after the query whether the target commodity identification has been recorded on the blockchain, the method further comprises:

When it is found that the target commodity identification is not recorded on the blockchain, if it is determined that the target commodity is successfully insured, then the theft insurance information of the target commodity is written into the blockchain.
The method according to any one of claims 1 to 3, wherein the claim processing for the target commodity according to the target insurance details includes:

According to the target insurance details and the target smart contract recorded on the blockchain, claim processing is performed on the target commodity;

Wherein, the target smart contract is a smart contract set for the theft insurance corresponding to the target commodity, and the target smart contract includes any one or more of the following: claim clause, claim method, and claim amount.
The method according to claim 4, wherein the target insurance details include a claim record, and after the claim process is performed on the target commodity according to the target insurance details, the method further includes:

When it is determined that the settlement of the target commodity is successful, obtain the settlement time and the identification of the insurance company of the settlement;

Register the claim time and the identification of the insurance company that claims the claim in the claim record.
The method according to claim 1, wherein the method further comprises:

When the target insurance status is insured, output claim prompt information to the terminal; the claim prompt information is used to instruct claim processing on the target commodity according to the target insurance details.
The method according to claim 1, wherein the method further comprises:

When receiving the terminal's instruction for the theft of insurance against the target product, check whether the information about the theft of the target product has been recorded on the blockchain;

When it is found that the target product's theft insurance information has been recorded on the blockchain, the target product's theft insurance information is output to the terminal.
A theft and loss insurance claim device applied to an information server, characterized in that the information server is any node device in the blockchain network, and each node device in the blockchain network is used to record multiple insurances Theft insurance information of the goods; the device includes:

The processing unit is configured to, when receiving the terminal's claim for the theft insurance claim of the target product, query the theft insurance information of the target product recorded on the blockchain, and the target product's theft insurance information includes the target product Identification, target insurance status and target insurance details; the target insurance details include insured amount and insurance records; the blockchain is generated based on the theft insurance information of the multiple insured commodities;

A communication unit, configured to output a prompt message for refusing claims to the terminal when the target insurance status is insured;

The processing unit is further configured to perform claim processing on the target commodity according to the target insurance details when the target insurance status is insured, and register the target insurance status as insured on the blockchain.
The device according to claim 8, wherein the processing unit is further used to query whether the target product identifier has been recorded on the blockchain when receiving the terminal's application for insurance against theft of the target product; when querying When the target commodity identifier has been recorded on the blockchain, if it is found that the target insurance status corresponding to the target commodity is insured, the prompt message of refusal to insurance is output to the terminal through the communication unit.
The device according to claim 9, wherein the processing unit is further configured to, after querying whether the target product identification has been recorded on the blockchain, when the query finds that the target product is not recorded on the blockchain At the time of identification, if it is determined that the target product is successfully insured, the theft insurance information of the target product is written into the blockchain.
The device according to any one of claims 8 to 10, wherein the processing unit is specifically configured to settle the target commodity according to the target insurance details and the target smart contract recorded on the blockchain Process; wherein, the target smart contract is a smart contract set for the theft insurance corresponding to the target commodity, and the target smart contract includes any one or more of the following: claim clause, claim method, and claim amount.
The apparatus according to claim 11, wherein the target insurance details include a claim record, and the processing unit is further configured to perform claim processing on the target product according to the target insurance details, when After the claim settlement of the target commodity is successful, obtain the claim time and the identification of the insurance company claiming the claim; register the claim time and the identification of the insurance company claiming in the claim record.
The device according to claim 8, wherein the communication unit is further configured to output claim reminder information to the terminal when the target insurance status is insured; the claim reminder information is used to indicate The target insurance details perform claim processing on the target commodity.
The device according to claim 8, wherein the processing unit is further configured to query whether a record has been recorded on the blockchain when a terminal's piracy insurance query instruction for the target commodity is received through the communication unit The theft insurance information of the target commodity; when inquiring that the theft insurance information of the target commodity has been recorded on the blockchain, output the theft insurance information of the target commodity to the terminal through the communication unit.
A server, characterized in that it includes a processor, an input device, an output device, and a memory, and the processor, input device, output device, and memory are connected to each other, wherein the memory is used to store a computer program, and the computer program Including program instructions, the processor is configured to call the program instructions, and execute: when receiving the terminal's claim for loss insurance claims for the target commodity through the input device, query the record recorded on the blockchain The theft insurance information of the target commodity, the theft insurance information of the target commodity includes the target commodity identification, the target insurance status and the target insurance details; the target insurance details include the insured amount and the insurance record; the blockchain is based on the The theft insurance information of the plurality of insured commodities is generated; when the target insurance status is insured, output a prompt message of rejection of claims to the terminal through the output device; when the target insurance status is insured, Claim processing the target commodity according to the target insurance details, and register the target on the blockchain Insurance status is dangerous condition.
The server according to claim 15, wherein the processor is further configured to query whether a target has been recorded on the blockchain when the terminal's application for insurance against theft of a target product is received through the input device Commodity identification; when it is found that the target commodity identification has been recorded on the blockchain, if it is found that the target insurance status corresponding to the target commodity is insured, the prompt message of refusal to insurance is output to the terminal through the output device .
The server according to claim 16, wherein the processor is further used to query whether the target commodity is recorded on the blockchain after querying whether the target commodity identifier has been recorded on the blockchain At the time of identification, if it is determined that the target product is successfully insured, the theft insurance information of the target product is written into the blockchain.
The server according to any one of claims 15-17, wherein the processor is specifically configured to settle the target commodity according to the target insurance details and the target smart contract recorded on the blockchain Process; wherein, the target smart contract is a smart contract set for the theft insurance corresponding to the target commodity, and the target smart contract includes any one or more of the following: claim clause, claim method, and claim amount.
The server according to claim 18, wherein the target insurance details include a claim record, and the processor is further configured to perform claim processing on the target commodity according to the target insurance details, when After the claim settlement of the target commodity is successful, obtain the claim time and the identification of the insurance company claiming the claim; register the claim time and the identification of the insurance company claiming in the claim record.
A computer-readable storage medium, characterized in that the computer storage medium stores a computer program, and the computer program includes program instructions, which when executed by a processor cause the processor to execute as claimed in claim 1 -7 The method of any one.