The invention provides a car insurance underwriting claim settlement method based on a block chain, a car insurance underwriting claim settlement
system based on the block chain, a
computer device anda computer readable storage medium, and relates to the technical field of insurance. The method comprises: constructing an alliance chain, adding all mechanisms to the alliance chain to serve as nodes of the alliance chain, achieving a
consensus rule, and determining a car insurance intelligent contract; encrypting insurance policy information and diffusing the encrypted insurance policy information to the alliance chain, wherein the insurance policy information is generated after a user purchases insurance through a
bank or an insurance company; and when a claim settlement application submitted by the user and corresponding to the insurance policy information is received, triggering the
smart contract to perform claim settlement. By means of the block chain technology, the insurance product information, the insurance buying information, the circulation process and the claim settlement information are uploaded, full-process tracing is achieved, and the authenticity of the insurance policy and customer privacy
encryption protection are guaranteed. Meanwhile, online automatic claim settlement of the insurance is achieved by means of the intelligent contract, various disputes are reduced, and the customer satisfaction is greatly improved.