CN109214939A - A kind of method, apparatus, terminal and server of insuring online - Google Patents
A kind of method, apparatus, terminal and server of insuring online Download PDFInfo
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- CN109214939A CN109214939A CN201811250338.7A CN201811250338A CN109214939A CN 109214939 A CN109214939 A CN 109214939A CN 201811250338 A CN201811250338 A CN 201811250338A CN 109214939 A CN109214939 A CN 109214939A
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- 238000013475 authorization Methods 0.000 claims abstract description 71
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
- G16H10/00—ICT specially adapted for the handling or processing of patient-related medical or healthcare data
- G16H10/60—ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
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Abstract
The embodiment of the invention provides a kind of method, apparatus, terminal and servers of insuring online, wherein this method comprises: when detecting that transmission electronic health record is requested to electronic health record platform when insuring the selection operation of corresponding mark for target；Receive the electronic health record authorization page that the electronic health record platform response is returned in electronic health record request；Confirmation authorized order is returned to the electronic health record platform, so that the electronic health record of the target user after encryption is sent to destination server by block chain network when receiving the confirmation authorized order by the electronic health record platform according to the electronic health record authorization page；When receiving the target corresponding confirmation message of insurance that the destination server returns, corresponding confirmation message is insured according to the target and executes delivery operation.Using the present invention, effectively the purchase qualification to user control can be carried out so that user buys insurance.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of method, apparatus, terminal and server of insuring online.
Background technique
Insuring agreement item with except is all had to the insurance of offer in insurance company, wherein insuring agreement refers to the insurer
The responsibility that should bear, except item refer to that the insurer refuses the item accepted insurance.However, not due to part insurer's professional knowledge
Foot, item except causing part insurer to belong to and insure, so as to cause the dispute between insurer and the insurer.
Summary of the invention
The embodiment of the invention provides a kind of insure online method, apparatus, terminal and servers, can be effectively to user
Purchase qualification carry out control so as to user buy insure, and then reduce because insurer's professional knowledge deficiency caused by insurer
Dispute between the insurer.
In a first aspect, being applied to terminal the embodiment of the invention provides a kind of method of insuring online, comprising:
When detecting that being directed to target insures the selection operation of corresponding mark, sends electronic health record and request to electronic health record
Platform；The electronic health record platform stores the electronic health record of multiple users；
Receive the electronic health record authorization page that the electronic health record platform response is returned in electronic health record request；
Confirmation authorized order is returned to the electronic health record platform, so as to the electricity according to the electronic health record authorization page
Sub- case history platform is when receiving the confirmation authorized order by block chain network by the electricity of the target user after encryption
Sub- case history is sent to destination server；
When receiving the target corresponding confirmation message of insurance that the destination server returns, according to the target
Insure corresponding confirmation message and executes delivery operation.
Optionally, the confirmation message is the electricity of target user of the destination server after verifying the encryption
It is obtained after the sub- default healthiness condition of case history satisfaction.
Optionally, the method also includes:
Show the electronic health record authorization page that the electronic health record platform response is returned in electronic health record request；It is described
Electronic health record authorization page includes confirmation authorization options；
When detecting the touch control operation for the confirmation authorization options, trigger described according to the electronic health record authorization
The page returns to the step of confirmation authorized order to electronic health record platform.
Second aspect, the embodiment of the invention also provides a kind of methods of insuring online, are applied to destination server, comprising:
The electronic health record of target user after receiving the encryption that electronic health record platform is sent by block chain network；Institute
Target user is stated to be terminal user to be insured or be the other users to be insured of the terminal user；
Whether the electronic health record of the target user after verifying the encryption meets default healthiness condition；
When the electronic health record of target user after the encryption meets default healthiness condition, terminal user's choosing is returned
The target selected insures corresponding confirmation message to the corresponding terminal of the terminal user, so as to the terminal receive it is described really
When recognizing information, delivery operation is executed according to the confirmation message.
Optionally, whether the electronic health record of the target user after the verification encryption meets default healthy item
Part, comprising:
Medical history inquiry request is sent according to the electronic health record of the target user after the encryption；The medical history inquiry is asked
It asks, for inquiring the target user with the presence or absence of target medical history；The target medical history belongs to the disease for target insurance setting
The outer range of case；The disease exception range includes multiple medical histories not at risk；
The block chain account book for receiving storage responds the query result of medical history inquiry request return by intelligent contract；
When the query result indicates that target medical history is not present in the target user, the electronics of the target user is determined
Case history meets default healthiness condition.
Optionally, whether the electronic health record of the target user after the verification encryption meets default healthy item
Part, comprising:
Medical history inquiry request is broadcasted in block chain network according to the electronic health record of the target user after the encryption；Institute
Medical history inquiry request is stated, for inquiring the target user with the presence or absence of target medical history；
It receives block chain server and the query result that the medical history inquiry request returns is responded by intelligent contract；
When the query result indicates that target medical history is not present in the target user, the electronics of the target user is determined
Case history meets default healthiness condition.
Optionally, the method also includes:
When the electronic health record of target user after the encryption is unsatisfactory for default healthiness condition, returns to refusal and insure
Prompt information to the terminal.
The third aspect, the embodiment of the invention provides a kind of devices of insuring online, including for executing such as first aspect institute
The unit for the method stated, or the unit of the method as described in second aspect.
Fourth aspect the embodiment of the invention provides a kind of terminal, including processor, input equipment, output equipment and is deposited
Reservoir, the processor, input equipment, output equipment and memory are connected with each other, wherein the memory is calculated for storing
Machine program, the computer program include program instruction, and the processor is configured for calling described program instruction, are executed such as
Method described in first aspect.
5th aspect, the embodiment of the invention provides a kind of server, including processor, input equipment, output equipment and
Memory, the processor, input equipment, output equipment and memory are connected with each other, wherein the memory is based on storing
Calculation machine program, the computer program include program instruction, and the processor is configured for calling described program instruction, are executed
Method as described in second aspect.
6th aspect, the embodiment of the invention provides a kind of computer readable storage medium, the computer storage medium
It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor
State the method for processor execution as described in relation to the first aspect, or the method as described in second aspect.
In conclusion terminal can send electronics when detecting that being directed to target insures the selection operation of corresponding mark
Case history is requested to electronic health record platform, and be can receive the electronic health record platform response and requested to return to electronics disease in the electronic health record
Authorization page is gone through, to return to confirmation authorized order to the electronic health record platform, so as to this according to the electronic health record authorization page
Electronic health record platform is when receiving the confirmation authorized order by block chain network by the electricity of the target user after encryption
Sub- case history is sent to destination server, and when the target that is directed to for receiving destination server return insures corresponding confirmation letter
When breath, corresponding confirmation message is insured according to the target and executes delivery operation, to effectively be carried out to the purchase qualification of user
Control so as to user buy insure, and then reduce because insurer's professional knowledge deficiency caused by between insurer and the insurer
Dispute.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of flow diagram of method of insuring online provided in an embodiment of the present invention；
Fig. 2 is the flow diagram of another method of insuring online provided in an embodiment of the present invention；
Fig. 3 is the flow diagram of another method of insuring online provided in an embodiment of the present invention；
Fig. 4 is a kind of network architecture schematic diagram of system of insuring online provided in an embodiment of the present invention；
Fig. 5 is a kind of structural schematic diagram of device of insuring online provided in an embodiment of the present invention；
Fig. 6 is the structural schematic diagram of another device of insuring online provided in an embodiment of the present invention；
Fig. 7 is a kind of structural schematic diagram of terminal provided in an embodiment of the present invention；
Fig. 8 is a kind of structural schematic diagram of server provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention is described.
Referring to Fig. 1, for a kind of flow diagram for method of insuring online provided in an embodiment of the present invention.Wherein, the party
Method can be applied in terminal, which includes but is not limited to smart phone, tablet computer, laptop, desktop computer etc.
Intelligent terminal.Specifically, this method may comprise steps of:
S101, when detect for target insure the selection operation of corresponding mark when, send electronic health record request to electricity
Sub- case history platform.
Wherein, which stores the electronic health record of multiple users.The electronic health record refers to digitized doctor
Treat record.
In one embodiment, terminal can show insurance selection interface, which may include multiple guarantors
The corresponding mark in danger, the mark can be used for the information of unique identification phase insurable for title, description information etc..Insurance selection
Interface can be used for receiving the selection operation for target insurance mark.
In one embodiment, multiple insurance may include the health insurance divided according to different form.For example, according to year
The health insurance that age divides such as aged health danger, adult health insurance, juvenile health insurance, or can also be according to the strong of Type division
Health danger, such as medical insurance, sickness insurance, income protection insurance, nursing insurance, the embodiment of the present invention is numerous to list herein.
In an application scenarios, terminal user can log on to insurance company official website by smart phone to throw
It protects, after smart phone logs in the success of insurance company official website, which can show insurance selection interface, which selects boundary
Face may include the corresponding mark of multiple health insurances: health insurance 1, health insurance 2, health insurance 3, if terminal user wishes health of insuring
Danger 3 then can select health insurance 3 in the insurance selection interface.When smart phone detects the selection operation for health insurance 3
When, electronic health record can be sent and requested to electronic health record platform.
In one embodiment, which, which can be, is detecting the selection for target coverage option
It is shown after operation.Wherein, which can be healthy option.
In an application scenarios, terminal user can log on to target application by smart phone (can such as be thrown
Even if the communications applications or payment application protected) to insure.After smart phone logs in target application success, which can
To show insurance service option, for terminal user after clicking the insurance service option, smart phone can show multiple insurance classes
Other option: tourism, property, health.When terminal user selects healthy option, intelligent terminal be can detecte for healthy option
Selection operation, and show the corresponding insurance selection interface of the health option, which may include multiple health
The mark of danger: health insurance 1, health insurance 2, health insurance 3 can select if terminal user wishes health insurance 3 of insuring in the insurance
Interface selects health insurance 3.When smart phone detects the selection operation for health insurance 3, electronic health record request can be sent
To electronic health record platform.
In one embodiment, electronic health record platform can also store the different classes of electronic health record of multiple users, each
A insurance can correspond to the electronic health record of a classification.I.e. the electronic health record of the target user can be the multiple of the target user
In the electronic health record of classification, which insures the electronic health record of corresponding classification.For example, target insurance is insurance 1, the target
The electronic health record of user can be 1 corresponding electronic health record 1 of insurance, and target insurance is insurance 2, the electronics disease of the target user
Go through to be 2 corresponding electronic health records 2 of insurance.
S102, the electronic health record authorization page that the electronic health record platform response is returned in electronic health record request is received
Face.
In the embodiment of the present invention, which can receive the electronic health record request of terminal transmission, and can be with
Request to return electronic health record authorization page to the terminal in response to the electronic health record, which can receive the electronic health record platform
The electronic health record authorization page returned in response to electronic health record request.Wherein, the electronic health record authorization page, can be used for asking
Ask electronic health record platform whether is authorized to share electronic health record to destination server.The destination server can service for insurance company
Device.
In one embodiment, which may include confirmation authorization options.Terminal can show this
The electronic health record authorization page that electronic health record platform response is returned in electronic health record request；When terminal is detected for the confirmation
When the touch control operation of authorization options, step S103 can be triggered.
In one embodiment, which can also include the user's letter for needing the target user inputted
Breath, for example, the information such as address name, contact method, identification card number, wherein the target user G is terminal use to be insured
Family is the other users to be insured of the terminal user.
In one embodiment, when the electronic health record authorization page can also include the user for needing the target user confirmed
Information, for example, the information such as address name, contact method, identification card number.In one embodiment, when the target user is terminal
When user, the information of needs user confirmation can be electronic health record platform and be obtained by block chain network from destination server
's.
In one embodiment, which can also include cancellation option, or can also include note
Other information, the embodiment of the present invention such as item, User Agreement of anticipating are numerous to list herein.
S103, confirmation authorized order is returned to according to the electronic health record authorization page to the electronic health record platform, so as to
The electronic health record platform is used the target after encryption by block chain network when receiving the confirmation authorized order
The electronic health record at family is sent to destination server.
Terminal can return to confirmation authorized order to the electronic health record platform according to the electronic health record authorization page.Electronics disease
Going through platform can be when receiving the confirmation authorized order, by block chain network by the electronics of the target user after encryption
Case history is sent to destination server.The target user can be terminal user to be insured, or can also be to be insured other
User.
In one embodiment, electronic health record platform can carry out at homomorphic cryptography the electronic health record of the target user
Reason, the electronic health record of the target user after obtaining encryption.That is, the electronic health record of the target user after the encryption,
It can be homomorphic cryptography treated the electronic health record of the target user.It, can by carrying out homomorphic cryptography processing to electronic health record
Effectively to ensure the privacy of the target user.
In one embodiment, which may include the user information in confirmation authorization page input, should
Electronic health record platform can obtain the electronic health record of the target user according to the user information in confirmation authorization page input.Or
Person, the confirmation authorized order may include the user information being identified in confirmation authorization page, which can root
The electronic health record of the target user is obtained in the user information that confirmation authorization page is identified according to this.
For example, the electronic health record platform can store the electronic health record of target user and the user information of the target user
Corresponding relationship, so that the electronic health record platform can be according to the user information of the input and the corresponding relationship, obtaining should
The electronic health record of target user.
S104, when receiving the target that the destination server returns and insuring corresponding confirmation message, according to institute
It states target and insures corresponding confirmation message execution delivery operation.
In the embodiment of the present invention, which can receive the electronic health record platform by block chain network and pass through area
The electronic health record of the target user after the encryption that block chain network is sent, and it is corresponding really to return to target insurance
Information is recognized to terminal, so that terminal is when the target for receiving destination server return insures corresponding confirmation message, it can
Delivery operation is executed to insure corresponding confirmation message according to the target.
Wherein, which may include that the information of target insurance is bought convenient for terminal user.For example, the confirmation letter
Breath may include the corresponding mark of target insurance, target insurance price, can also include the user information of target user, such as surname
The information such as name, identification card number.In one embodiment, which can be different according to the difference of way to pay dues,
For example, the target insurance price can be the expense that should monthly deliver, if the way to pay dues if way to pay dues is monthly to pay dues
To pay dues per year, then the target insurance price can be the expense that should be delivered every year.
In one embodiment, the target that destination server can recorde terminal user's selection insures corresponding mark, with
Just it generates the target and insures corresponding confirmation message.The destination server, which can be, is detecting terminal for target insurance mark
Selection operation after, the target of the terminal user of record selection insures corresponding mark.
In one embodiment, which can be target of the destination server after verifying the encryption and uses
It is obtained after the default healthiness condition of electronic health record satisfaction at family.Wherein, which refers to that target insurance is corresponding
It insures condition.
In one embodiment, terminal insures corresponding confirmation message execution delivery operation according to the target, can be base
In on block chain, can also be based under block chain, the embodiment of the present invention to it with no restrictions.
In one embodiment, terminal is after insuring corresponding confirmation message according to the target and executing delivery operation, can be with
Record is got paid, and payment record can be sent to destination server, so that destination server stores the payment record, or
The payment record is written in block chain.
In a kind of optional embodiment, the selection operation of corresponding mark is insured for target when terminal is detected
When, terminal can show that insurance purchase interface, insurance purchase interface include the information for needing the target user filled in, target insurance
Corresponding mark, target insurance price；Terminal can send electronic health record when detecting the selection operation for option of insuring
It requests to electronic health record platform, and receives the electronic health record authorization that electronic health record platform response is returned in electronic health record request
The page (including confirmation authorization options), terminal can return to confirmation authorized order to the electricity according to the electronic health record authorization page
Sub- case history platform, so that the electronic health record platform passes through block chain network when receiving the confirmation authorized order for encryption
The electronic health record of target user afterwards is sent to destination server；Target user after destination server verifies the encryption
Electronic health record when meeting default healthiness condition, can permit the terminal and execute delivery operation.
In one embodiment, terminal can send request of insuring to predetermined server (for electronic health record platform or target
Server) with for obtaining insurance purchase interface, which can show the guarantor that predetermined server is returned according to the request of insuring
Danger purchase interface.
As it can be seen that terminal, which is worked as, detects the selection operation for insuring corresponding mark for target in embodiment shown in FIG. 1
When, electronic health record can be sent and requested to electronic health record platform, and can receive the electronic health record platform response in electronics disease
It goes through request and returns to electronic health record authorization page, to return to confirmation authorized order to the electronics according to the electronic health record authorization page
Case history platform, after passing through block chain network when receiving the confirmation authorized order for encryption so as to the electronic health record platform
The electronic health record of target user be sent to destination server, and when the target insurance pair that receive destination server return
When the confirmation message answered, corresponding confirmation message is insured according to the target and executes delivery operation, thus safely and effectively to user
Purchase qualification carry out control so as to user buy insure, reduce unnecessary dispute between insurer and the insurer.
Referring to Fig. 2, for the flow diagram of another method of insuring online provided in an embodiment of the present invention.Wherein, should
Method can be applied in destination server, which can be a server or server cluster in internet.
Specifically, this method may comprise steps of:
S201, the electronics for receiving the target user after the encryption that electronic health record platform is sent by block chain network are sick
It goes through.
The electronic health record of target user after encryption can be sent to by electronic health record platform by block chain network
Destination server, destination server can receive the mesh after the encryption that the electronic health record platform is sent by block chain network
Mark the electronic health record of user.Wherein, which can be terminal user to be insured or be that the terminal user to be insured
Other users.
In the embodiment of the present invention, electronic health record platform, which can be, is receiving terminal according to the return of electronic health record authorization page
Confirmation instruction when, the electronic health record of the target user after encryption is sent by destination server by block chain network.
In one embodiment, the electronic health record of the target user after the encryption, after being handled for homomorphic cryptography
Target user electronic health record.
Whether the electronic health record of the target user after S202, the verification encryption meets default healthiness condition.
In the embodiment of the present invention, in order to guarantee validity that user insures, destination server can verify the encryption
Whether the electronic health record of target user afterwards meets default healthiness condition.
In one embodiment, destination server can be based on zero-knowledge proof technology, the mesh after verifying the encryption
Whether the electronic health record of mark user meets default healthiness condition.
In one embodiment, whether the electronic health record that destination server verifies the target user after the encryption meets
Default healthiness condition may include: destination server according to the electronic health record of the target user after encryption transmission medical history
Inquiry request；The block chain account book that destination server receives storage responds looking into for medical history inquiry request return by intelligent contract
Ask result；When the query result indicates the target user there is no when target medical history, destination server determines the target user's
Electronic health record meets default healthiness condition；When the query result indicate the target user there are when target medical history, destination server
Determine that the electronic health record of the target user is unsatisfactory for default healthiness condition.
Wherein, the medical history inquiry request can be used for inquiring the target user with the presence or absence of target medical history；The target medical history
Belong to the disease exception range for target insurance setting；Disease exception range includes multiple diseases not at risk
History.For example, this specifies the corresponding disease exception of health insurance may range from: (1) cancer if target insurance is specified health insurance
Disease/malignant tumour, the tumour that borderline tumor, precancerous lesion, carcinoma in situ or property are not known；(2) hypertension is (anti-not taking
In the case where pressing, the shrinking percentage >=140mmHg or diastolic pressure >=90mmHg of blood pressure), congenital heart disease, arotic disease,
Aneurysm, rheumatic heart disease, endocarditis, myocardial infarction, arrhythmia cordis, cardiomyopathy, heart valve disease, heart function are not
Entirely, cerebrovascular malformation, brain tumor, transient cerebral ischemia, cerebral apoplexy (cerebral hemorrhage, cerebral infarction etc.)；(3) Parkinson's disease, A Erci
Sea silent disease, encephalitis, meningitis, postcerebral injury syndrome, bone marrow disease, motor neuron lesions, multiple sclerosis, mental disease；
(4) bronchiectasis, pulmonary emphysema, pulmonary tuberculosis, pneumoconiosis, silicosis, interstitial lung disease, liver fibrosis, pleural effusion, the pulmonary heart
Popular name for；(5) atrophic gastritis, pancreatitis, cirrhosis, chronic active hepatitis, liver failure, chronic alcoholism；
(6) ephritis, uremia, nephrotic syndrome, renal insufficiency, wrap up in kidney, nephredema more.Wherein, the specified health insurance is corresponding
Disease makes an exception range can also be including other medical histories, and the embodiment of the present invention is numerous to list herein.
In one embodiment, whether the electronic health record that destination server verifies the target user after the encryption meets
Default healthiness condition, can also include: destination server according to the electronic health record of the target user after the encryption in block
Chain network broadcasts medical history inquiry request；Destination server reception block chain server responds medical history inquiry by intelligent contract and asks
Seek the query result of return；When the query result indicates the target user there is no when target medical history, destination server determines should
The electronic health record of target user meets default healthiness condition；When the query result indicate the target user there are when target medical history,
Destination server determines that the electronic health record of the target user is unsatisfactory for default healthiness condition.
S203, target user after the encryption electronic health record when meeting default healthiness condition, return to terminal
The target of user's selection insures corresponding confirmation message to the corresponding terminal of the terminal user, so that the terminal is receiving
When the confirmation message, delivery operation is executed according to the confirmation message.
In the embodiment of the present invention, when the electronic health record of the target user after the encryption meets default healthiness condition,
The target that server can return to terminal user selection insures corresponding confirmation message to the corresponding terminal of the terminal user, with
So that terminal when receiving the target corresponding confirmation message of insurance, can insure corresponding confirmation message according to the target and hold
Row delivery operation.
In one embodiment, the target that destination server can recorde terminal user's selection insures corresponding mark, with
When the electronic health record of target user after the encryption meets default healthiness condition, it is corresponding really to generate target insurance
Recognize information.
Wherein, which may include that the information of target insurance is bought convenient for terminal user.For example, the confirmation letter
Breath may include the corresponding mark of target insurance, target insurance price, can also include the user information of target user, such as surname
The information such as name, identification card number.
As it can be seen that destination server can receive electronic health record platform and be sent out by block chain network in embodiment shown in Fig. 2
The electronic health record of target user after the encryption sent, and verify the target user after the encryption electronic health record whether
Meet default healthiness condition；When the electronic health record of target user after the encryption meets default healthiness condition, target clothes
The target that business device can return to terminal user selection insures corresponding confirmation message to the corresponding terminal of the terminal user, so as to
The terminal executes delivery operation when receiving the confirmation message, according to the confirmation message to safely and effectively to the purchase of user
It buys qualification and carries out control so that user buys insurance, reduce unnecessary dispute between insurer and the insurer.
Referring to Fig. 3, for the flow diagram of another method of insuring online provided in an embodiment of the present invention.Specifically,
This method may comprise steps of:
S301, terminal send electronic health record request when detecting that being directed to target insures the selection operation of corresponding mark
To electronic health record platform；
S302, electronic health record platform response request to return electronic health record authorization page to terminal in the electronic health record.
In step S301-S302, terminal can when detect for target insure the selection operation of corresponding mark when,
It sends electronic health record to request to electronic health record platform, electronic health record platform can request to return to electronics disease in response to the electronic health record
Authorization page is gone through to terminal.
Wherein, the electronic health record authorization page can be used for asking whether that electronic health record platform is authorized to share electronic health record
To destination server.The destination server can be insurance company server.
S303, terminal receive the electronic health record authorization that the electronic health record platform response is returned in electronic health record request
The page；
S304, terminal return to confirmation authorized order to the electronic health record platform according to the electronic health record authorization page；
After S305, electronic health record platform pass through block chain network when receiving the confirmation authorized order for encryption
The electronic health record of target user be sent to destination server.
In step S303-S305, terminal can receive what electronic health record platform response was returned in electronic health record request
Electronic health record authorization page, and it is flat to the electronic health record confirmation authorized order can be returned to according to the electronic health record authorization page
Platform can will be after encryption by block chain network so that electronic health record platform is when receiving the confirmation authorized order
The electronic health record of target user is sent to destination server.
In one embodiment, which may include confirmation authorization options, and terminal can show this
Electronic health record authorization page, and when detecting the touch control operation for the confirmation authorization options, it can trigger according to the electronics
Case history authorization page returns to the step of confirmation authorized order to electronic health record platform.
In one embodiment, the electronic health record of the target user after the encryption can be to handle by homomorphic cryptography
The electronic health record of target user afterwards.
The target that S306, destination server receive after the encryption that electronic health record platform is sent by block chain network is used
The electronic health record at family；
Whether the electronic health record that S307, destination server verify the target user after the encryption meets default health
Condition；
S308, target user after the encryption electronic health record when meeting default healthiness condition, destination service
The target that device returns to terminal user's selection insures corresponding confirmation message to the corresponding terminal of the terminal user.
In step S306-S308, it is more by the transmission of block chain network that destination server can receive electronic health record platform
The electronic health record of target user after a encryption, and the electronic health record that can verify the target user after the encryption is
It is no to meet default healthiness condition, thus when the electronic health record of the target user after the encryption meets default healthiness condition,
The target for returning to terminal user selection insures corresponding confirmation message to the corresponding terminal of the terminal user.
In one embodiment, the electronic health record of the target user after encryption is unsatisfactory for default healthiness condition
When, server can return to the prompt information insured of refusal to the terminal.Whether the embodiment of the present invention is by judging electronic health record
Meet default healthiness condition, can effectively reduce what user bred disputes due to insuring in the case where not meeting and insuring condition
Situation.
S309, terminal are when receiving the target corresponding confirmation message of insurance that the destination server returns, root
Corresponding confirmation message, which is insured, according to the target executes delivery operation.
Wherein, terminal insures corresponding confirmation message execution delivery operation according to the target, can be based on block chain
, can also be based under block chain, the embodiment of the present invention to it with no restrictions.
In one embodiment, terminal is after insuring corresponding confirmation message according to the target and executing delivery operation, can be with
Record is got paid, and payment record can be sent to destination server, so that destination server stores the payment record, or
The payment record is written in block chain.
As it can be seen that terminal, which is worked as, detects the selection operation for insuring corresponding mark for target in embodiment shown in Fig. 3
When, electronic health record can be sent and requested to electronic health record platform, electronic health record platform can request to return in response to the electronic health record
Electronic health record authorization page is returned to the terminal；Terminal can receive the electronic health record platform response requests to return in the electronic health record
Electronic health record authorization page, and confirmation authorized order is returned to the electronic health record platform according to the electronic health record authorization page；Electricity
Sub- case history platform can be by block chain network by the target user's after encryption when receiving the confirmation authorized order
Electronic health record is sent to destination server, so that the electronic health record of target user of the destination server after determining the encryption
When meeting default healthiness condition, sends target and insure corresponding confirmation message to terminal, so that terminal, which is worked as, receives the mesh
When marking the target corresponding confirmation message of insurance that server returns, corresponding confirmation message can be insured according to the target and executed
Delivery operation reduces user and the unnecessary dispute of insurance company so that process of insuring is safer effectively.
Referring to Fig. 4, for a kind of network architecture schematic diagram for system of insuring online provided in an embodiment of the present invention.Wherein,
The system may include terminal 10, electronic health record platform 20, server 30.Terminal 10 can respectively with electronic health record platform 20 and
Server 30 establishes communication.Electronic health record platform 20 can be communicated with server 30 by the foundation of block chain network.
Terminal 10 can be requested with sending electronic health record to electronic health record platform 20, electronics disease by executing step S301
Going through platform 20 can be by executing step S302 to send electronic health record authorization page to terminal 10.Terminal 10 can pass through execution
Step S303-S304 allows electronic health record platform 20 to execute step to return to confirmation authorized order to electronic health record platform 20
Rapid S305, the electronic health record of the target user after encryption is sent to destination server 30 by block chain network, from
And destination server 30 is allowed to return to the corresponding confirmation message of target insurance to terminal by executing step S306-S308
10, so that terminal 10 buys target insurance by executing step S309, so that process of insuring is safer effectively, reduce use
Family and the unnecessary dispute of insurance company.
Referring to Fig. 5, for a kind of structural schematic diagram for device of insuring online provided in an embodiment of the present invention.This insures online
Device can be using in the terminal.Specifically, the apparatus may include:
Transmission unit 501, for sending electronics disease when detecting that being directed to target insures the selection operation of corresponding mark
Request is gone through to electronic health record platform；The electronic health record platform stores the electronic health record of multiple users；
Receiving unit 502, the electronics returned for receiving the electronic health record platform response in electronic health record request
Case history authorization page；
Transmission unit 501 is also used to return to confirmation authorized order to the electronics according to the electronic health record authorization page
Case history platform, so that the electronic health record platform will be at encryption by block chain network when receiving the confirmation authorized order
The electronic health record of target user after reason is sent to destination server；
Processing unit 503, for being protected when the target for receiving the destination server return by receiving unit 502
When the corresponding confirmation message in danger, corresponding confirmation message is insured according to the target and executes delivery operation.
In a kind of optional embodiment, the confirmation message is that the destination server is verifying the encryption
It is obtained after the default healthiness condition of electronic health record satisfaction of target user afterwards.
In a kind of optional embodiment, display unit 504, for showing the electronic health record platform response in described
The electronic health record authorization page that electronic health record request returns；The electronic health record authorization page includes confirmation authorization options.
In a kind of optional embodiment, processing unit 503 is also used to detect for the confirmation authorization options
Touch control operation when, triggering transmission unit 501 returns to confirmation authorized order to the electricity according to the electronic health record authorization page
Sub- case history platform.
As it can be seen that terminal, which is worked as, detects the selection operation for insuring corresponding mark for target in embodiment shown in fig. 5
When, electronic health record can be sent and requested to electronic health record platform, and can receive the electronic health record platform response in electronics disease
It goes through request and returns to electronic health record authorization page, to return to confirmation authorized order to the electronics according to the electronic health record authorization page
Case history platform, after passing through block chain network when receiving the confirmation authorized order for encryption so as to the electronic health record platform
The electronic health record of target user be sent to destination server, and when receiving protecting for the target for destination server return
When the corresponding confirmation message in danger, corresponding confirmation message is insured according to the target and executes delivery operation, thus safely and effectively right
The purchase qualification of user carries out control and insures so that user buys, and reduces unnecessary dispute between insurer and the insurer.
Referring to Fig. 6, for the structural schematic diagram of another device of insuring online provided in an embodiment of the present invention, wherein should
Device can be applied to destination server.Specifically, the apparatus may include:
Communication unit 601, the target after the encryption sent by block chain network for receiving electronic health record platform
The electronic health record of user；The target user is terminal user to be insured or is the terminal user other that be insured use
Family；
Whether processing unit 602, the electronic health record for verifying the target user after the encryption meet default strong
Health condition；
Communication unit 601, the electronic health record for being also used to the target user after encryption meet default healthy item
When part, the target for returning to terminal user's selection insures corresponding confirmation message to the corresponding terminal of the terminal user, with toilet
Terminal is stated when receiving the confirmation message, delivery operation is executed according to the confirmation message.
In a kind of optional embodiment, processing unit 602 is specifically used for being added by communication unit 601 according to described
The electronic health record of close treated target user sends medical history inquiry request；The medical history inquiry request, for inquiring the mesh
Marking user whether there is target medical history；The target medical history belongs to the disease exception range for target insurance setting；The disease
The outer range of case includes multiple medical histories not at risk；The block chain account book for receiving storage by communication unit 601 is logical
Cross the query result that intelligent contract responds medical history inquiry request return；When the query result indicates that the target user does not deposit
In target medical history, determine that the electronic health record of the target user meets default healthiness condition.
In a kind of optional embodiment, processing unit 602 is specifically used for being added by communication unit 601 according to described
The electronic health record of close treated target user broadcasts medical history inquiry request in block chain network；The medical history inquiry request is used
In inquiry, the target user whether there is target medical history；Block chain server is received by communication unit 601 to close by intelligence
About respond the query result that the medical history inquiry request returns；When the query result indicates that target is not present in the target user
When medical history, determine that the electronic health record of the target user meets default healthiness condition.
In a kind of optional embodiment, communication unit 601 is also used to the target user's after encryption
When electronic health record is unsatisfactory for default healthiness condition, return refuses the prompt information insured to the terminal.
As it can be seen that destination server can receive electronic health record platform and be sent out by block chain network in embodiment shown in fig. 6
The electronic health record of target user after the encryption sent, and verify the target user after the encryption electronic health record whether
Meet default healthiness condition；When the electronic health record of target user after the encryption meets default healthiness condition, target clothes
The target that business device can return to target user selection insures corresponding confirmation message to the corresponding terminal of the target user, so as to
The terminal executes delivery operation when receiving the confirmation message, according to the confirmation message, thus safely and effectively to user's
It buys qualification and carries out control so that user buys insurance, reduce unnecessary dispute between insurer and the insurer.
Referring to Fig. 7, being a kind of structural schematic diagram of terminal provided in an embodiment of the present invention.Specifically, in the present embodiment
Described terminal may include: one or more processors 100, one or more input equipments 200, one or more output
Equipment 300 and memory 400.Processor 100, input equipment 200, output equipment 300 and memory 400 can be connected by bus
It connects.
Input equipment 200, output equipment 300 can be the wired or wireless communication interface of standard.Wherein, input equipment
200 can also be touch screen.Output equipment 300 can be display screen, such as liquid crystal display.In a kind of optional embodiment
In, input equipment 200 and output equipment 300 can integrate as an equipment, such as touch display screen, for realizing display function is touched
Energy.
Processor 100 can be central processing module (Central Processing Unit, CPU), which may be used also
To be other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
Memory 400 can be high speed RAM memory, can also be non-labile memory (non-volatile
), such as magnetic disk storage memory.Memory 400 is used to store a set of program code, input equipment 200, output equipment 300
The program code stored in memory 400 can be called with processor 100.Specifically:
Processor 100, for passing through output equipment when detecting that being directed to target insures the selection operation of corresponding mark
300 transmission electronic health records are requested to electronic health record platform；The electronic health record platform stores the electronic health record of multiple users；It is logical
It crosses input equipment 200 and receives the electronic health record authorization page that the electronic health record platform response is returned in electronic health record request
Face；Confirmation authorized order is returned to the electronic health record platform according to the electronic health record authorization page by output equipment 300,
So as to the electronic health record platform when receiving the confirmation authorized order by block chain network by the mesh after encryption
The electronic health record of mark user is sent to destination server；Receive what the destination server returned when passing through input equipment 200
When the target insures corresponding confirmation message, corresponding confirmation message is insured according to the target and executes delivery operation.
Optionally, the confirmation message is the electricity of target user of the destination server after verifying the encryption
It is obtained after the sub- default healthiness condition of case history satisfaction.
Optionally, processor 100 are also used to show the electronic health record platform response in described by output equipment 300
The electronic health record authorization page that electronic health record request returns；The electronic health record authorization page includes confirmation authorization options；Work as inspection
When measuring the touch control operation for the confirmation authorization options, output equipment 300 is triggered according to the electronic health record authorization page
Confirmation authorized order is returned to the electronic health record platform.
In the specific implementation, processor 100 described in the embodiment of the present invention, input equipment 200, output equipment 300 can
Implementation described in Fig. 1-Fig. 3 embodiment is executed, implementation described in the embodiment of the present invention also can be performed, herein not
It repeats again.
As it can be seen that terminal, which is worked as, detects the selection operation for insuring corresponding mark for target in embodiment shown in Fig. 7
When, electronic health record can be sent and requested to electronic health record platform, and can receive the electronic health record platform response in electronics disease
It goes through request and returns to electronic health record authorization page, to return to confirmation authorized order to the electronics according to the electronic health record authorization page
Case history platform, after passing through block chain network when receiving the confirmation authorized order for encryption so as to the electronic health record platform
The electronic health record of target user be sent to destination server, and when receiving protecting for the target for destination server return
When the corresponding confirmation message in danger, corresponding confirmation message is insured according to the target and executes delivery operation, thus safely and effectively right
The purchase qualification of user carries out control and insures so that user buys, and reduces unnecessary dispute between insurer and the insurer.
Referring to Fig. 8, being a kind of structural schematic diagram of server provided in an embodiment of the present invention.Before the server can be
State the destination server in embodiment of the method.Wherein, server as described in this embodiment may include: one or more places
Manage device 1000, one or more input equipments 2000, one or more output equipments 3000 and memory 4000.Processor
1000, input equipment 2000, output equipment 3000 and memory 4000 can be connected by bus.
Input equipment 2000, output equipment 3000 can be the wired or wireless communication interface of standard.
Processor 1000 can be central processing module (Central Processing Unit, CPU), and the processor is also
It can be other general processors, digital signal processor (Digital Signal Processor, DSP), dedicated integrated electricity
Road (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
Memory 4000 can be high speed RAM memory, can also be non-labile memory (non-volatile
), such as magnetic disk storage memory.Memory 4000 is used to store a set of program code, input equipment 2000, output equipment
3000 and processor 1000 can call the program code stored in memory 4000.Specifically:
Processor 1000 is added for receiving electronic health record platform by input equipment 2000 by what block chain network was sent
The electronic health record of close treated target user；The target user is terminal user to be insured or is that the terminal user is intended to
The other users insured；Whether the electronic health record of the target user after verifying the encryption meets default healthiness condition；When
When the electronic health record of target user after the encryption meets default healthiness condition, terminal is returned to by output equipment 3000
The target of user's selection insures corresponding confirmation message to the corresponding terminal of the terminal user, so that the terminal is receiving
When the confirmation message, delivery operation is executed according to the confirmation message.
Optionally, processor 1000, specifically for being used by output equipment 3000 according to the target after the encryption
The electronic health record at family sends medical history inquiry request；The medical history inquiry request, for inquiring the target user with the presence or absence of mesh
Mark medical history；The target medical history belongs to the disease exception range for target insurance setting；The disease exception range includes more
A medical history not at risk；Passing through intelligent contract response by the block chain account book that input equipment 2000 receives storage should
The query result that medical history inquiry request returns；When the query result indicates that target medical history is not present in the target user, really
The electronic health record of the fixed target user meets default healthiness condition.
Optionally, processor 1000, specifically for being used by output equipment 3000 according to the target after the encryption
The electronic health record at family broadcasts medical history inquiry request in block chain network；The medical history inquiry request, for inquiring that the target is used
Family whether there is target medical history；Block chain server is received by input equipment 2000 to look by the intelligent contract response medical history
Ask the query result that request returns；When the query result indicates that target medical history is not present in the target user, described in determination
The electronic health record of target user meets default healthiness condition.
Optionally, processor 1000, be also used to the target user after encryption electronic health record be unsatisfactory for it is pre-
If when healthiness condition, returning to the prompt information for refusing to insure to the terminal by output equipment 3000.
In the specific implementation, processor 1000 described in the embodiment of the present invention, input equipment 2000, output equipment 3000
Implementation described in executable Fig. 1-Fig. 3 embodiment, also can be performed implementation described in the embodiment of the present invention, herein
It repeats no more.
Each functional module in each embodiment of the present invention can integrate in a processing module, be also possible to each
Module physically exists alone, and is also possible to two or more modules and is integrated in a module.Above-mentioned integrated module was both
It can be realized, can also be realized in the form of sampling software functional module in the form of sampling hardware.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
Above disclosed is only a preferred embodiment of the present invention, cannot limit the power of the present invention with this certainly
Sharp range, those skilled in the art can understand all or part of the processes for realizing the above embodiment, and weighs according to the present invention
Benefit requires made equivalent variations, still belongs to the scope covered by the invention.
Claims (10)
1. a kind of method of insuring online, is applied to terminal characterized by comprising
When detecting that being directed to target insures the selection operation of corresponding mark, sends electronic health record and request to electronic health record to put down
Platform；The electronic health record platform stores the electronic health record of multiple users；
Receive the electronic health record authorization page that the electronic health record platform response is returned in electronic health record request；
Confirmation authorized order is returned to the electronic health record platform, so as to the electronics disease according to the electronic health record authorization page
It is by block chain network that the electronics of the target user after encryption is sick when receiving the confirmation authorized order to go through platform
It goes through and is sent to destination server；
When receiving the target corresponding confirmation message of insurance that the destination server returns, insured according to the target
Corresponding confirmation message executes delivery operation.
2. the method according to claim 1, wherein the confirmation message is the destination server in verification institute
It is obtained after the default healthiness condition of electronic health record satisfaction of target user after stating encryption.
3. method according to claim 1 or 2, which is characterized in that the method also includes:
Show the electronic health record authorization page that the electronic health record platform response is returned in electronic health record request；The electronics
Case history authorization page includes confirmation authorization options；
When detecting the touch control operation for the confirmation authorization options, trigger described according to the electronic health record authorization page
The step of returning to confirmation authorized order to the electronic health record platform.
4. a kind of method of insuring online, is applied to destination server characterized by comprising
The electronic health record of target user after receiving the encryption that electronic health record platform is sent by block chain network；The mesh
User is marked to be terminal user to be insured or be the other users to be insured of the terminal user；
Whether the electronic health record of the target user after verifying the encryption meets default healthiness condition；
When the electronic health record of target user after the encryption meets default healthiness condition, terminal user's choosing is returned
The target selected insures corresponding confirmation message to the corresponding terminal of the terminal user, so as to the terminal receive it is described really
When recognizing information, delivery operation is executed according to the confirmation message.
5. according to the method described in claim 4, it is characterized in that, the electricity of the target user after the verification encryption
Whether sub- case history meets default healthiness condition, comprising:
Medical history inquiry request is sent according to the electronic health record of the target user after the encryption；The medical history inquiry request,
For inquiring the target user with the presence or absence of target medical history；The target medical history belongs to the disease example for target insurance setting
Outer range；The disease exception range includes multiple medical histories not at risk；
The block chain account book for receiving storage responds the query result of medical history inquiry request return by intelligent contract；
When the query result indicates that target medical history is not present in the target user, the electronic health record of the target user is determined
Meet default healthiness condition.
6. according to the method described in claim 4, it is characterized in that, the electricity of the target user after the verification encryption
Whether sub- case history meets default healthiness condition, comprising:
Medical history inquiry request is broadcasted in block chain network according to the electronic health record of the target user after the encryption；The disease
History inquiry request, for inquiring the target user with the presence or absence of target medical history；
It receives block chain server and the query result that the medical history inquiry request returns is responded by intelligent contract；
When the query result indicates that target medical history is not present in the target user, the electronic health record of the target user is determined
Meet default healthiness condition.
7. according to method described in claim 4-6 any claim, which is characterized in that the method also includes:
When the electronic health record of target user after the encryption is unsatisfactory for default healthiness condition, what return refusal was insured is mentioned
Show information to the terminal.
8. a kind of device of insuring online, which is characterized in that including for executing as described in claim 1-3 any claim
The unit of method, or the unit of the method as described in claim 4-7 any claim.
9. a kind of terminal, which is characterized in that the processor, defeated including processor, input equipment, output equipment and memory
Enter equipment, output equipment and memory to be connected with each other, wherein the memory is for storing computer program, the computer
Program includes program instruction, and the processor is configured for calling described program instruction, is executed such as any one of claim 1-3
The method.
10. a kind of server, which is characterized in that including processor, input equipment, output equipment and memory, the processor,
Input equipment, output equipment and memory are connected with each other, wherein the memory is for storing computer program, the calculating
Machine program includes program instruction, and the processor is configured for calling described program instruction, is executed as claim 4-7 is any
Method described in.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811250338.7A CN109214939A (en) | 2018-10-25 | 2018-10-25 | A kind of method, apparatus, terminal and server of insuring online |
| PCT/CN2018/123883 WO2020082582A1 (en) | 2018-10-25 | 2018-12-26 | Online insurance purchase method, device, terminal, and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811250338.7A CN109214939A (en) | 2018-10-25 | 2018-10-25 | A kind of method, apparatus, terminal and server of insuring online |
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| CN109214939A true CN109214939A (en) | 2019-01-15 |
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| CN201811250338.7A Pending CN109214939A (en) | 2018-10-25 | 2018-10-25 | A kind of method, apparatus, terminal and server of insuring online |
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| WO (1) | WO2020082582A1 (en) |
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