CN107993047B

CN107993047B - Policy sales commission rights and interests management method based on block chain

Info

Publication number: CN107993047B
Application number: CN201711176074.0A
Authority: CN
Inventors: 魏松杰; 李帅; 焦文华
Original assignee: Individual
Current assignee: Individual
Priority date: 2017-11-22
Filing date: 2017-11-22
Publication date: 2021-02-19
Anticipated expiration: 2037-11-22
Also published as: CN107993047A

Abstract

The invention relates to a block chain-based policy sales commission rights and interests management method, which mainly utilizes intelligent contracts in a block chain to realize a series of standard management of policy sales commission rights and interests related to the fact that insurance sales personnel and insurance intermediary companies acquire rights and interests from sold policies in actual insurance business. The block chain is a distributed decentralized account book technology, can realize trust independent of any trusted third party, and can ensure that data stored in the block chain cannot be illegally stolen, forged or tampered. On the other hand, due to the fact that programs have no ambiguity and the safety characteristic of block chains, the intelligent contract technology can conveniently complete established business logic among roles in the system, and the business processing is transactional.

Description

Policy sales commission rights and interests management method based on block chain

Technical Field

The invention relates to a block chain and intelligent contract technology, in particular to a policy sales commission rights and interests management method based on the block chain.

Background

In 2008, the inventor and others have quickly drawn attention to the concept of a blockchain because of the characteristics of decentralization, data non-falsification and forgery, anonymity, traceability and the like. A blockchain is a distributed database that records a number of transactions performed and shared among multiple nodes, where each transaction is verified by consensus among a large number of nodes in the system. The block chain of the intelligent contract is introduced, and the era of the block chain 2.0 and 3.0 is entered, and essentially, the intelligent contract is a new protocol or system running on the block chain and aims to expand the functions of the block chain. The smart contracts running on blockchain 2.0 contain business logic to interact with other contracts, make decisions (depending on the program without ambiguity), store data, send corresponding digital cryptocurrency, etc. The contract is defined by the creator but its execution and other services provided by the contract are dependent only on blockchain 2.0 itself, which can be executed as long as the chain maintained by blockchain 2.0 exists, and the contract disappears only if self-destruct code exists when the contract is programmed. The contracts themselves contain code and data stored at a particular address on the chain, and the corresponding contract is also a kind of presence of an account that can pass messages between contract accounts and can actually do a graceful calculation. The execution of the contract code relies on the virtual machine designed in the blockchain 2.0, and each node in the blockchain network runs the virtual machine so as to run the contract code. Therefore, by using the technology of the blockchain technology (including the blockchain 2.0, such as an ethernet, the blockchain 3.0, such as Hyperledger of IBM) supporting the intelligent contracts, the method has the advantages of transaction without intervention and without relying on the trust of a third party, complete consistency and accuracy of blockchain data, robustness relying on a distributed peer-to-peer network, transactional transaction execution, transaction transparency and invariability, unified ledger and the like.

In the insurance industry, there are interest-related parties such as insurance companies, insurance broker companies, insurance sellers (i.e., agents), and the like. The insurance intermediary company comprises an insurance agent company, an insurance broker company, a third-party insurance sales platform and the like, the insurance intermediary company sells products of the insurance company, the products need to be authorized by the insurance company, usually, a user name, an account number, a certificate signature and the like are provided, insurance policy sales are carried out in an interface docking mode or a login authorization website mode, and insurance policy sales results under the corresponding user name belong to the insurance intermediary company. The insurance agent is attached to the insurance intermediary company or directly to the insurance company, and after the insurance sales staff sells the insurance product, the insurance sales staff obtains the commission from the affiliated organization, and the settlement of the commission by the insurance company is not instant, and usually has a long time delay from half a month to half a year. The time for the insurance intermediary company or the insurance agent to obtain the commission is limited by the commission settlement period of the insurance company.

Agents and agencies that successfully sell insurance policies will reconcile with the insurance company based on the actual insurance policy data, with the right to obtain a commission on the insurance policy from the insurance company. Commissions sold but not settled are accounts receivable by insurance broker companies and agents. Therefore, how to effectively manage the insurance policy sales commission rights in the insurance business scene is a problem to be urgently solved at present

Disclosure of Invention

In view of the above, the present invention has been made to provide a block chain-based policy sales commission rights management method that overcomes or at least partially solves the above-mentioned problems.

The embodiment of the invention provides a block chain-based policy sales commission rights and interests management method, which comprises the following steps:

step 1: the insurance intermediary company obtains insurance policy data by accessing the insurance policy database of the insurance company by using the authorization PC distributed to the insurance intermediary company, account passwords and signatures, and the insurance intermediary company is divided into two categories according to the insurance policy condition: first, the insurance company has paid a commission; second, the insurance company has not paid a commission;

step 2: the insurance salesperson submits the relevant policy information data sold by the insurance salesperson, and submits the relevant policy information data sold by the insurance salesperson in a alliance chain with an account of the insurance salesperson for auditing;

and step 3: for the first case in step 1, after the insurance company has paid the commission insurance policy, signing the data with the account of the insurance intermediary company and transferring the contract into the alliance chain, and recording the party to which the insurance policy belongs as the insurance company, wherein the transferred contract is the insurance policy and rights management contract and is recorded as contract A;

and 4, step 4: for the second type of situation in the step 1, the acquired attribution party of the insurance policy should record with the account of the insurance policy seller, and after the insurance policy data is signed by the account of the insurance intermediary company, the insurance policy data is stored in the alliance chain, and the contract A is called;

and 5: after the insurance sales staff submits the relevant policy information data of the sales, the insurance intermediary company calls a contract A according to the relevant policy information data of the sales submitted by the insurance sales staff and the relevant information of the identity of the insurance sales staff after checking that the policy is correct, the relevant policy information data of the sales submitted by the insurance sales staff and the data signed by using the account of the insurance sales are formally and uplingly stored, and the party to which the policy corresponding to the data belongs is the insurance sales staff;

step 6: the insurance agency can purchase the ownership of the policy at a price lower than the sales commission of the original policy so that the insurance sales person can quickly reach the commission and the insurance agency can obtain the benefit therefrom; in step 2, when the insurance salesperson submits the relevant policy information data of the sales, the number of commissions to be paid for each policy ownership transfer needs to be additionally input; the commission price is two, one is the commission required by the insurance policy provided by the insurance company to transfer the corresponding original price equity, and does not contain discount; the other is to fill the specific amount of the commission required for the rights and interests transfer according to the discount ratio of the corresponding insurance intermediary company; the commission price is required to deduct the rights and interests which should be distributed from the insurance intermediary company in advance;

and 7: in the step 6, the insurance intermediary company pays a commission fee corresponding to the insurance sales staff to obtain the ownership right of the corresponding policy owned by the insurance sales staff; after receiving the commission, the insurance salesperson calls a contract A, and modifies the affiliation party of the corresponding insurance policy into an insurance intermediary company to complete the rights and interests transfer;

and 8: when the settlement date of the insurance company arrives, the insurance company pays the corresponding commission fee of the insurance intermediary company to obtain the ownership right of the corresponding policy owned by the insurance intermediary company; after the insurance intermediary company receives the commission, the insurance intermediary company calls the contract a to modify the home side of the corresponding policy to the insurance company to complete the rights and interests transfer.

In one embodiment, the insurance policy database of the insurance company is accessed in the step 1, and the access is in a docking interface mode, and the insurance policy database is accessed through an interface document containing an account number, a password and a signature; one is a login mode, which logs in the insurance company website through an authorized PC and a corresponding account password to access the insurance company database.

In one embodiment, the federation chain in step 2 is a block chain system having three roles of an insurance company, an insurance intermediary company and an insurance salesman, and the node is built by the insurance company, the insurance intermediary company or the insurance salesman.

In one embodiment, when the node is built by an insurance salesperson, the insurance salesperson needs to be authorized to join by an insurance company and an insurance intermediary company.

In one embodiment, in the step 5, the insurance intermediary company also checks the account in the corresponding federation chain when checking the relevant insurance policy information data for the sale of the insurance salesperson and the identity thereof, and after the checking is passed, binds the account in the corresponding federation chain of the insurance salesperson with the insurance salesperson.

In one embodiment, in step 7, the insurance sales force invokes contract a, including:

the insurance sales personnel enter the insurance policy by calling the intelligent contract.

In one embodiment, the policy equity transfer includes:

verifying the signature of the policy data, and determining whether the signature of the policy data is the signature of the insurance intermediary company or the insurance company;

when the signature of the insurance intermediary company or the insurance company is determined, the signature of the policy data is valid data.

The technical scheme provided by the embodiment of the invention has the beneficial effects that at least:

(1) by means of the block chain technology, uplink storage of policy data is achieved, data cannot be tampered, complete and accurate are guaranteed, and meanwhile robustness of an alliance chain network is guaranteed due to the distributed architecture of the block chain.

(2) Based on the block chain and the intelligent contract, the situation that a third party, complex procedure data and long waiting time are required to be trusted in the traditional equity transfer is avoided.

(3) The rights and interests transfer business realized based on the intelligent contract has transactional and unambiguous properties.

(4) The distributed application developed based on the alliance chain can enable people without any block chain technical background to still conveniently operate, and additional operation difficulty is not introduced.

(5) The operations of submitting the sold insurance policy, checking the approved insurance policy, transferring the insurance policy rights, purchasing the insurance policy ownership right and the like are all carried out in a transaction mode, and related records can be traced and can be used for tracking inspection and the like. The currency used for the transaction includes physical currency or virtual currency (tokens such as bitcoin, ether currency, etc.) supported by the ether house technology.

(6) The ul policy data is signed by the insurance company or the insurance intermediary company, so that the correctness of the policy data can be ensured.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:

fig. 1 is a schematic diagram of an architecture of a policy sales commission rights management system according to an embodiment of the present invention.

Fig. 2 is a functional structure diagram of a policy sales commission rights management system according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a contract and a corresponding caller according to an embodiment of the present invention.

Fig. 4 is a schematic diagram of policy state transition according to an embodiment of the present invention.

Fig. 5 IS a flowchart of authentication and account registration when a new IS needs to be added according to an embodiment of the present invention.

Fig. 6 is a diagram of a distributed application function structure based on an insurance federation chain according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

The block chain-based policy sales commission rights and interests management method provided by the embodiment of the invention mainly comprises the following steps of:

step 6: the insurance agency can purchase the ownership of the policy at a price lower than the sales commission of the original policy so that the insurance sales person can quickly reach the commission and the insurance agency can obtain the benefit therefrom; in step 2, when the insurance salesperson submits the relevant policy information data of the sales, the number of commissions to be paid for each policy ownership transfer needs to be additionally input; there are two commission prices, one is the commission required by the insurance company to transfer the insurance policy corresponding to the original price equity, i.e. containing no discount; the other is to fill the specific amount of the commission required for the rights and interests transfer according to the discount ratio of the corresponding insurance intermediary company; the commission price is required to deduct the rights and interests which should be distributed from the insurance intermediary company in advance;

In this embodiment, an object of the present invention is to provide a block chain-based policy sales commission rights management method, which can implement policy sales commission rights management in an insurance business scene, is suitable for an insurance industry, can implement uplink storage of policy data, and can ensure non-falsification and correctness of the policy data. The method takes the block chain as a bottom-layer distributed account book, realizes safe chain-linking storage of insurance policy data by the characteristics of non-falsification and complete and accurate data, develops distributed application by using an alliance chain built by an insurance company and an insurance intermediary company as a support, and correspondingly facilitates the relative management of authority by binding with identities of the insurance company, the insurance intermediary company and an insurance salesperson, wherein the corresponding account numbers correspond to the insurance company, the insurance intermediary company and the insurance salesperson. The related insurance policy data in the insurance company database can be stored in the alliance chain without errors by using the insurance company authorized PC and the corresponding account password and data signature.

When the contract is called for storage, the contract needs to be stored in the block chain according to the current attribution state of the policy, such as attribution to an insurance company, an insurance agency company or an insurance salesperson. After the insurance salesperson completes the sale of the policy, relevant policy material can be submitted, and the policy information can be conveniently submitted and the commission required for the corresponding rights and interests transfer can be input through the distributed application based on the alliance chain. After the insurance intermediary company passes the audit, the insurance policies are determined to be owned by the insurance sales personnel, at the moment, the insurance intermediary company can purchase the ownership of the insurance policies in a payment form on line or off line, and after the insurance sales personnel obtain a commission, the insurance sales personnel call a contract to modify the ownership party of the insurance policies into the insurance intermediary company, so that the rapid transfer of the insurance policy rights and interests is realized. Accordingly, after the policy is filed in the settlement period and the insurance company settles the settlement with the intermediary company, the insurance intermediary company transfers the ownership of the policy to the insurance company in the same manner and obtains the corresponding rights and interests. Therefore, the method provided by the embodiment can realize effective management of the insurance policy sales commission rights and interests in the insurance business scene.

The block chain-based insurance policy and sales commission rights management method implemented by the method according to the embodiment is based on the insurance policy and sales commission rights management system shown in fig. 1, and includes a bottom layer device, a core layer and an application layer, wherein the core layer implements bidirectional data transmission with the bottom layer device and the application layer, respectively, and the bottom layer device is a block chain-based insurance alliance chain P2P network structure. The core layer is composed of insurance alliance link points and specifically comprises an insurance company account, an insurance agency account, a contract account and a plurality of insurance salesman accounts. The application layer is an insurance alliance chain distributed application and comprises a plurality of blocks, and the blocks are connected with one another. In addition, referring to fig. 2, a functional structure diagram of a policy sales commission rights management system according to an embodiment of the present invention is provided.

The operations of submitting the sold insurance policy, checking the approved insurance policy, transferring the insurance policy rights, purchasing the insurance policy ownership right and the like are all carried out in a transaction mode, and related records can be traced and can be used for tracking inspection and the like. The currency used for the transaction includes physical currency or virtual currency (tokens such as bitcoin, ether currency, etc.) supported by the ether house technology.

In one embodiment, the acquired policy data is accurate and credible, the policy database of the insurance company is accessed in step 1, and the policy database is generally accessed by an authorized PC (personal computer) equipped by the insurance company, a password and a signature of a corresponding account number, wherein one mode is a docking interface mode, and the database of the insurance company is accessed through an interface document containing the account number, the password and the signature; one is a login mode, which is to log in the insurance company website through an authorized PC, such as inserting an authorized U-shield or defining a MAC address, and a corresponding account password, to access the insurance company database.

In one embodiment, in the above step 3 and step 5, the insurance intermediary company performs the functions of auditing the insurance policy data and uploading the signed insurance policy data to the federation chain, and similarly, the insurance intermediary company may also perform the functions of auditing the insurance policy data and uploading the signed insurance policy data to the federation chain.

In one embodiment, when the insurance intermediary company checks the insurance policy data and the identity of the insurance salesperson, the insurance intermediary company should also check the account in the corresponding alliance chain, and once the check is passed, the account is bound with the insurance salesperson. Accordingly, the insurance agent company and the account number of the insurance company should be published in their corresponding official networks or places with public trust.

In one embodiment, in step 7 above, the insurance sales force enters the policy by calling an intelligent contract. The series of processes of equity transfer, including entering policy, policy equity transfer, etc. need to be completed by intelligent contracts.

After the insurance intermediary company passes the verification, the insurance policies are determined to be owned by the insurance sales personnel, at the moment, the insurance intermediary company can purchase the ownership right of the insurance policies in a offline or online payment mode, and after the insurance sales personnel obtain a commission, the insurance sales personnel call the contract to modify the ownership party of the insurance policies into the insurance intermediary company, so that the quick transfer of the insurance policy rights and interests is realized, and due to the intelligent contract, the operations are transactional and have no ambiguity.

Further, all the above steps relate to the transfer of insurance policy rights, and the signature of the insurance policy data is verified, and if the signature is the signature of the insurance intermediary company or the insurance company, the signature is valid data. Meanwhile, the policy can be pledged for a plurality of times before the settlement of the insurance company. The ul policy data is signed by the insurance company or the insurance intermediary company, so that the correctness of the policy data can be ensured.

For convenience of detailed description, the following symbolic meanings are first indicated:

the first is the set-up of the federation chain environment. The alliance chain IS built by nodes built by the IC and the IA, the IS can submit an application for joining the chain and IS audited by the IC and the IA, and if the application IS approved, the nodes built by the IS are joined into the alliance chain by the nodes of the IC or the IA. Each node generally adopts a client side with a block chain 2.0 with an intelligent contract function, network ID, network identification, RPC parameters, RPC domain names, block chain data directories, opened ports, enabled RPC call interfaces (API) and the like set by the nodes are required to be consistent, and starting block files of each node are also required to be the same. Meanwhile, the consensus mechanism of the alliance chain needs to adopt a rights and benefits certification consensus mechanism (PoS) or other consensus mechanisms suitable for alliance chain application scenarios as needed. The account of the alliance chain can be distinguished from the account of the IC, IA and IS, or not, and if not, the corresponding account rewarding mechanism IS reserved.

The second is the creation and release of the policy rights management contract a. Referring to fig. 3, contract a should have functions of registering an account, classifying an account role, storing policy-related information, auditing a policy, and policing logic for a policy. After the IC issues the contract A by using the account number, the IA can register the account number at the IC by respectively depending on the identity certificate and related qualification materials, and the IC calls the contract to record the account address and the corresponding IA identity, so that the IC can execute the function of the corresponding identity. The IS provides identification and related materials as insurance sales personnel, registers own account number at the IC or IA, and the corresponding IC or IA calls contracts and records the account address and the corresponding IS identity.

Then, the IA party needs to obtain policy data corresponding to the IC by using the account password, the certificate signature and the authorization PC owned by the IA party according to the system used by the different IC, and classifies and calls the contract a according to whether the policy has paid a commission or not, if the policy belongs to the insurance company, the account address corresponding to the IC is used as the policy attribution party, and then calls the contract for uplink storage, if the policy is the policy that the right interest has not been transferred to the insurance company, the recorded insurance sales staff uses the corresponding account address as the policy attribution party, then calls the contract for uplink storage, and after the right interest granted by the IA party is deducted, the commission required for transferring the right interest corresponding to the policy is also entered according to the discount agreed by the IA party. Note that the policy owner herein does not refer to the policy owner, but rather refers to the owner of the policy commission rights. In addition, when the policy data is linked, the IA needs to sign its own account and store the linked chain together with the policy data itself. The policy data includes policy rights and interests affiliation, policy number, affiliated insurance company, applicant, insured, agency, agent details, etc.

On the other hand, for a new policy, if the IS sells a new policy, it may call contract a through its account to submit the relevant information (including policy right transfer commission) of the newly sold policy, the policy attribution also fills out the account of the IS, then the IS needs to submit the relevant information (such as the fund for the client to purchase the policy delivery, the policy agreement with client's signature, etc.) of the policy to the IA, and the IA checks it, if it IS correct, signs the policy and calls contract a to formally enter the policy data and corresponding signature, at this time, the policy IS normally attributed to the IS.

Referring to fig. 4, IA can periodically inquire all the examined policy and judge whether the policy IS warranted or not by script or manual mode, then obtain the ownership of the policy by paying commission offline or online, after the IS receives the commission, it calls contract to modify the ownership of the policy into the insurance intermediary company IA, so that the logic of transferring the benefit of the policy IS completed, wherein the related values and logic check are realized by the contract and the front-end check in the distributed policy management application developed based on the alliance chain. Correspondingly, when the settlement date of the policy IS reached and the commission IS paid, the IC can obtain the ownership of all policies with the ownership party being IA in the same way, thereby not only solving various problems that the IS in the traditional system IS long in acquisition and development time interval, more in procedures, and possibly generates protocol disputes, but also ensuring the affairs of changing the operation of the ownership of the policy, and the IA can also properly gain a profit, generate a win-win effect and promote the development of the industry. Meanwhile, a pledge process such as the transfer of a policy right may be performed a plurality of times before the policy is officially settled.

When a new IS needs to be added, the identity of the IS IS proved in the same way as the method, the account number of the IS IS registered through the IA or the IC, the originally owned insurance policy which IS sold out IS transferred, and the corresponding rights and interests are rapidly obtained. Where a new IS needs to be added, authentication and registration of an account may be as described with reference to fig. 5.

When a new IA needs to be added, a method consistent with the above is adopted, as shown in fig. 5, a relevant qualification certificate and an agreement signed with the IC are provided, and all preparations are completed by registering the account number of the IC after the audit is passed.

Thus, the functions and permissions vary for all roles that participate. The IS has the functions of submitting the sold insurance policy and transferring the rights and interests of the insurance policy to which the IS belongs; the IA has the functions of auditing the policy submitted by the IS, purchasing the ownership right of the policy, auditing and registering an IS account and storing the existing policy; the IC has functions of auditing and registering IS and IA accounts, purchasing policy ownership right, and storing existing policies.

In addition, the invention also provides a distributed application of developing a policy management system based on a federation chain, which is shown in fig. 6, and the purpose of developing the application is to enable personnel without a block chain technical background to use the method provided by the invention in the same way of operating the traditional information integration system, so that on one hand, the threshold is reduced, and on the other hand, the use is more efficient and convenient. The distributed application developed based on the alliance chain can enable people without any block chain technical background to still conveniently operate, and additional operation difficulty is not introduced.

The insurance policy management system based on the alliance chain is mainly developed through a knob frame or other similar frames, and interacts with an api opened by a blockchain client through languages such as javascript at the back end of a webpage or interacts through accessing an RPC interface provided by the blockchain client through languages such as python, so that the required service logic interface is completed, and the aim of friendly man-machine operation is fulfilled.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims

1. A block chain-based policy sales commission rights management method is characterized by comprising the following steps:

2. The block chain-based policy sales commission rights management method of claim 1 wherein the policy database of the insurance company is accessed in step 1 in two ways, one is in a docking interface mode, and the policy database is accessed through an interface document containing an account number, a password and a signature; one is a login mode, which logs in the insurance company website through an authorized PC and a corresponding account password to access the insurance company database.

3. The block chain-based policy sales commission rights management method of claim 1 wherein: the alliance chain in the step 2 is a block chain system with three roles of an insurance company, an insurance intermediary company and an insurance salesman, and the nodes are built by the insurance company, the insurance intermediary company or the insurance salesman.

4. The block chain-based policy sales commission rights management method of claim 3 wherein when the node is constructed by an insurance salesperson, the insurance salesperson needs to be authorized to join by an insurance company and an insurance intermediary company.

5. The block chain-based policy sales commission rights management method of claim 1 wherein: in the step 5, the insurance intermediary company also checks the account in the corresponding alliance chain when checking the relevant insurance policy information data and the identity of the insurance salesperson, and binds the account in the alliance chain corresponding to the insurance salesperson with the insurance salesperson after the checking is passed.

6. The block chain-based policy sales commission rights management method of claim 1 wherein: in step 7, the insurance sales force invokes a contract a, which includes:

7. The block chain-based policy sales commission rights management method of claim 6 wherein: the policy equity transfer comprising: