CN109389513A - Medical insurance Claims Resolution method, apparatus, equipment and computer readable storage medium - Google Patents
Medical insurance Claims Resolution method, apparatus, equipment and computer readable storage medium Download PDFInfo
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- CN109389513A CN109389513A CN201811509286.0A CN201811509286A CN109389513A CN 109389513 A CN109389513 A CN 109389513A CN 201811509286 A CN201811509286 A CN 201811509286A CN 109389513 A CN109389513 A CN 109389513A
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Abstract
The present invention provides a kind of medical insurance Claims Resolution method, apparatus, equipment and computer readable storage medium, and method includes: the acquisition medical treatment information from block chain, and medical treatment information is that block chain is written in medical institutions' node；Data to be settled a claim are determined according to medical treatment information, data to be settled a claim are written in block chain, so that insurance company's node determines Claims Resolution by preset first intelligence contract as a result, and in the result write-in block chain that will settle a claim according to data to be settled a claim；Claims Resolution result is obtained from block chain；The record of transferring accounts that financial institution's node is obtained from block chain, record of transferring accounts are financial institution's nodes according to Claims Resolution result to after the account transfer of user in write-in block chain.To which the generation process for result of settling a claim is relatively transparent, user can verify or reappear, and then can be improved user experience.
Description
Technical field
The present invention relates to data processing field more particularly to a kind of medical insurance Claims Resolution method, apparatus, equipment and computer
Readable storage medium storing program for executing.
Background technique
Medical insurance refers to and occurs as payment insurance money condition with the medical act of insurance contract agreement, to be insured
People receive diagnosis and treatment during the insurance that provides safeguard of health care expenditures, can effectively solve the problem that labourer because of illness or the band that is hurt
The medical-risk come.But the formality and process during being settled a claim due to medical insurance are often relatively complicated, cause
The insured person group insurance company that can only leave settles a claim, and can not know specific Claims Resolution detail substantially.
In order to solve the above-mentioned technical problem, a kind of Claims Resolution scheme based on block chain is proposed in the prior art, thing of settling a claim
Part decision request is written in block chain, according to the Claims Resolution event decision request generate determine as a result, will determine result be written to
In block chain, the Claims Resolution between policy-holder's account and insurer account is executed according to the judgement result and is handled, so as to make to manage
Paying for data can not distort.
But although although specifically Claims Resolution result has entered chain in the above method, the generation process for result of settling a claim
Opaque, user or other mechanisms can not be verified or be reappeared.
Summary of the invention
The present invention provides a kind of medical insurance Claims Resolution method, apparatus, equipment and computer readable storage medium, for solving
The generation process of the existing Claims Resolution scheme Claims Resolution result based on block chain is opaque, and user or other mechanisms can not test
The technical issues of card or reproduction.
The first aspect of the invention is to provide a kind of medical insurance Claims Resolution method, comprising:
Medical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；
Data to be settled a claim are determined according to the medical treatment information, and the data to be settled a claim are written in the block chain, so that
Insurance company's node, which is determined according to the data to be settled a claim by the preset first intelligent contract, settles a claim as a result, and by the Claims Resolution
As a result it is written in the block chain；
The Claims Resolution result is obtained from the block chain；
The record of transferring accounts of financial institution's node is obtained from the block chain, the record of transferring accounts is financial institution's node root
According to the Claims Resolution result to being written in the block chain after the account transfer of user.
Another aspect of the present invention is to provide a kind of medical insurance Claims Resolution device, comprising:
First obtains module, and for obtaining medical treatment information from block chain, the medical treatment information is that medical institutions' node is write
Enter the block chain；
Data determining module to be settled a claim, for determining data to be settled a claim according to the medical treatment information, by the number to be settled a claim
According to being written in the block chain, so that insurance company's node is true by the preset first intelligent contract according to the data to be settled a claim
Theorem is paid for as a result, and the Claims Resolution result is written in the block chain；
Second obtains module, for obtaining the Claims Resolution result from the block chain；
Third obtains module, for obtaining the record of transferring accounts of financial institution's node, the note of transferring accounts from the block chain
Record is financial institution's node according to the Claims Resolution result to being written in the block chain after the account transfer of user.
An additional aspect of the present invention is to provide a kind of medical insurance Claims Resolution equipment, comprising: memory, processor；
Memory；For storing the memory of the processor-executable instruction；
Wherein, the processor is configured to being executed by the processor such as above-mentioned medical insurance Claims Resolution method.
An additional aspect of the present invention is to provide a kind of computer readable storage medium, which is characterized in that the computer
Computer executed instructions are stored in readable storage medium storing program for executing, for realizing such as when the computer executed instructions are executed by processor
Above-mentioned medical insurance Claims Resolution method.
Medical insurance provided by the invention Claims Resolution method, apparatus, equipment and computer readable storage medium, by from block
Medical treatment information is obtained in chain, medical treatment information is that block chain is written in medical institutions；Data to be settled a claim are determined according to medical treatment information, it will
In data write-in block chain to be settled a claim, so that insurance company determines reason by the preset first intelligent contract according to data to be settled a claim
It pays for as a result, and Claims Resolution result is written in block chain；Claims Resolution result is obtained from block chain；Financial institution is obtained from block chain
Record of transferring accounts record of transferring accounts be financial institution according to Claims Resolution result to being written in block chain after the account transfer of user.To
The generation process for result of settling a claim is relatively transparent, and user can verify or reappear, and then can be improved user experience.
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 the present invention
Some embodiments be also possible to obtain other drawings based on these drawings for those of ordinary skill in the art.
Fig. 1 be the present invention is based on network architecture schematic diagram；
Fig. 2 is the flow diagram for the medical insurance Claims Resolution method that the embodiment of the present invention one provides；
Fig. 3 is the flow diagram of medical insurance provided by Embodiment 2 of the present invention Claims Resolution method；
Fig. 4 is the flow diagram for the medical insurance Claims Resolution method that the embodiment of the present invention three provides；
Fig. 5 is the structural schematic diagram for the medical insurance Claims Resolution device that the embodiment of the present invention four provides；
Fig. 6 is the structural schematic diagram for the medical insurance Claims Resolution equipment that the embodiment of the present invention five provides；
Fig. 7 is the structural schematic diagram for the medical insurance Claims Resolution equipment that the embodiment of the present invention six provides.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Every other reality obtained based on the embodiments of the present invention
Example is applied, shall fall within the protection scope of the present invention.
A kind of Claims Resolution scheme based on block chain is proposed in the prior art, and Claims Resolution event decision request is written to block chain
In, it is generated and is determined as a result, will determine that result is written into block chain, according to the judgement result according to the Claims Resolution event decision request
The Claims Resolution processing between policy-holder's account and insurer account is executed, data can not distort so as to make to settle a claim.But it is above-mentioned
Although the generation process for result of settling a claim is opaque although specifically Claims Resolution result has entered chain in method, user or its
His mechanism can not be verified or be reappeared.In order to solve the above-mentioned technical problems, the present invention provides a kind of medical insurance Claims Resolution sides
Method, device, equipment and computer readable storage medium.
It should be noted that the application provides medical insurance Claims Resolution method, apparatus, equipment and computer readable storage medium
It can be used in the scene to any one Claims Resolution.
Fig. 1 be the present invention is based on network architecture schematic diagram, as shown in Figure 1, the present invention is based on block chain network rack
Structure includes at least: user terminal node 1, medical institutions' node 2, insurance company's node 3 and financial institution's node 4.Due to base
Alliance's chain is established in user terminal node 1, medical institutions' node 2, insurance company's node 3 and financial institution's node 4, because
This, whole node datas in alliance's chain are for user terminal node 1, medical institutions' node 2, insurance company's node 3 and gold
Melt agency node 4 as it can be seen that improving the transparency of medical insurance Claims Resolution.
Fig. 2 is the flow diagram for the medical insurance Claims Resolution method that the embodiment of the present invention one provides, as shown in Figure 1, described
Method includes:
Step 101 obtains medical treatment information from block chain, and the medical treatment information is that the block is written in medical institutions' node
Chain.
The executing subject of the present embodiment is medical insurance Claims Resolution device, which settles a claim device setting in user terminal
It is interior, wherein the user is insured person.It should be noted that in the present embodiment, user terminal node, medical institutions' node, insurance
Company's node and financial institution's node form alliance's chain, and therefore, the total data being written in alliance's chain can be by each block
Chain node is checked.Alliance is formed by user terminal node, medical institutions' node, insurance company's node and financial institution's node
On the one hand chain can be improved the integrality of medical insurance Claims Resolution process, additionally it is possible to improve the transparency of Claims Resolution process.Tool
Body, after user sees a doctor to hospital, medical institutions can be recorded according to whole transaction during medical treatment, formed and seen a doctor
Information, in order to make the Claims Resolution process more transparence of medical insurance, block chain can be written in medical treatment information by medical institutions' node
In.Correspondingly, user can obtain the medical treatment information when to medical insurance Claims Resolution is carried out from block chain.
Step 102 determines data to be settled a claim according to the medical treatment information, and the block chain is written in the data to be settled a claim
In, so that insurance company's node determines Claims Resolution by the preset first intelligent contract as a result, and will according to the data to be settled a claim
The Claims Resolution result is written in the block chain.
In the present embodiment, during due to settlement of insurance claim, the partial content in medical treatment information can not settle a claim, because
This can determine current data to be settled a claim after obtaining medical treatment information in block chain according to the medical treatment information.Correspondingly,
In order to complete to settle a claim, which can be written in block chain, so that each node in alliance's chain can view this
Claims Resolution data.Correspondingly, insurance company's node can determine current according to the intelligent contract of data call to be settled a claim preset first
Claims Resolution result.Correspondingly, after generating Claims Resolution result, insurance company's node Claims Resolution result can be written in block chain.
Step 103 obtains the Claims Resolution result from the block chain.
In the present embodiment, Claims Resolution result is generated according to the data to be settled a claim in insurance company and write the Claims Resolution result
After entering in block chain, in order to further be understood Claims Resolution result, the Claims Resolution result can be obtained from block chain.
Step 104, the record of transferring accounts that financial institution's node is obtained from the block chain, the record of transferring accounts is financial machine
Structure node is according to the Claims Resolution result to being written in the block chain after the account transfer of the user.
In the present embodiment, insurance company's node will settle a claim after result is written into block chain, financial institution's node
Also can check the Claims Resolution as a result, and transferred accounts according to the amount of money in the Claims Resolution result to user, realize Claims Resolution.Financial institution
After node is transferred accounts, record write-in can will be transferred accounts into block chain.Due to this transfer accounts record can be by each section in alliance's chain
Point is checked that therefore, user can obtain the record of transferring accounts with insurance company node from block chain and check.
Medical insurance Claims Resolution method provided in this embodiment, by obtaining medical treatment information from block chain, medical treatment information is
Block chain is written in medical institutions；Data to be settled a claim are determined according to medical treatment information, and data to be settled a claim are written in block chain, so that
Insurance company determines Claims Resolution by the preset first intelligent contract as a result, and block is written in Claims Resolution result according to data to be settled a claim
In chain；Claims Resolution result is obtained from block chain；The record of transferring accounts of financial institution is obtained from block chain, record of transferring accounts is financial machine
Structure is written in block chain according to Claims Resolution result to after the account transfer of user.To which the generation process for result of settling a claim is more saturating
Bright, user can verify or reappear, and then can be improved user experience.
Further, based on any of the above embodiments, the medical treatment information is medical institutions' node encrytion
The block chain is written afterwards；The described method includes:
The first Transaction Information is obtained from the block chain, and first Transaction Information is solved by private key for user
It is close, obtain the first key information for encrypting the medical treatment information；
The corresponding cleartext information of the medical treatment information is decrypted by the first key information, obtains the medical treatment
Information, the medical treatment information are that the block chain is written in medical institutions' node；
Data to be settled a claim are determined according to the medical treatment information, and the data to be settled a claim are written in the block chain, so that
Insurance company's node, which is determined according to the data to be settled a claim by the preset first intelligent contract, settles a claim as a result, and by the Claims Resolution
As a result it is written in the block chain；
The Claims Resolution result is obtained from the block chain；
The record of transferring accounts of financial institution's node is obtained from the block chain, the record of transferring accounts is financial institution's node root
According to the Claims Resolution result to being written in the block chain after the account transfer of the user.
In the present embodiment, in order to improve the data safety of each node in block chain, before writing data into block chain,
It needs to encrypt data.It should be noted that each node in block chain is all stored with the public key of other nodes, therefore,
Data can be encrypted according to the public key of other nodes, correspondingly, other nodes can be by the private key of itself to decryption
Data afterwards are decrypted, and realize checking for data.Specifically, medical institutions' node can be generated first key, and pass through the
The medical treatment information that one code key treats upload is encrypted, and the first Transaction Information is obtained, which is written block chain
In.Further, first key is added respectively by the public key of the public key of user terminal node and insurance company's node
It is close, encrypted two transaction is written in block chain.Correspondingly, user terminal node is obtaining medical treatment letter from block chain
When breath, the first Transaction Information can be obtained from block chain first, and according to the private key of user terminal node itself to this first
Transaction Information is decrypted, and obtains the first key, and carry out to the corresponding cleartext information of medical treatment information by the first key
Decryption, obtains the medical treatment information.
Medical insurance Claims Resolution method provided in this embodiment, by obtaining the first Transaction Information from the block chain, and
First Transaction Information is decrypted by private key for user, the first key for encrypting the medical treatment information is obtained and believes
Breath；The corresponding cleartext information of the medical treatment information is decrypted by the first key information, obtains the medical treatment information,
The medical treatment information is that the block chain is written in medical institutions' node, so as in the transparency for improving medical insurance Claims Resolution
On the basis of, improve the safety of data in block chain.
Fig. 3 is the flow diagram of medical insurance provided by Embodiment 2 of the present invention Claims Resolution method, in any of the above-described implementation
On the basis of example, as shown in Figure 3, which comprises
Step 201 obtains medical treatment information from block chain, and the medical treatment information is that the block is written in medical institutions' node
Chain；
Step 202 obtains UTXO list in the medical treatment information, includes each during user sees a doctor in the list
The amount of money and transaction flow direction of transaction；
Step 203, the transaction settled a claim according to the selection instruction of the user from UTXO list selection, will
The data to be settled a claim are written in the block chain as the data to be settled a claim for the transaction settled a claim, with
Insurance company's node is determined by the preset first intelligent contract according to the data to be settled a claim to settle a claim as a result, and by the reason
Result is paid for be written in the block chain；
Step 204 obtains the Claims Resolution result from the block chain；
Step 205, the record of transferring accounts that financial institution's node is obtained from the block chain, the record of transferring accounts is financial machine
Structure node is according to the Claims Resolution result to being written in the block chain after the account transfer of the user.
In the present embodiment, during due to settlement of insurance claim, the partial content in medical treatment information can not settle a claim, because
This can determine current data to be settled a claim after obtaining medical treatment information in block chain according to the medical treatment information.Specifically,
Transaction output (Unspent Transaction Output, the abbreviation UTXO) column not spent in available medical treatment information
Table wherein includes the amount of money of each transaction and transaction flow direction during user sees a doctor in the list.At this point, user terminal can
To instruct the transaction that selection is settled a claim from UTXO list, and the friendship that this is settled a claim according to the user's choice
Easily as the data to be settled a claim.It should be noted that specifically including three parts content in UTXO list: UTXO List Identification,
The amount of money of each transaction and transaction flow direction and current stateful transaction during user sees a doctor.Therefore, have two using UTXO
A bigger advantage: UTXO only needs to verify last time and trades, because each transaction has one or more UTXO defeated
Enter and export, and Accounting system to see history all increase and decrease operations are all added up after totally could obtain it is correct more than
Volume, the two efficiency variance as time goes by can be increasing；UTXO can cut historical data in due course, right in this way
For the big node of the data volumes such as insurance company, medical institutions and financial institution, historical data can be cut with others
Mode saves, so as to further improve the transparency of medical insurance Claims Resolution process.
Medical insurance Claims Resolution method provided in this embodiment, by obtaining medical treatment information, the medical treatment letter from block chain
Breath is that the block chain is written in medical institutions' node, obtains the UTXO list in the medical treatment information, includes in the list
The amount of money of each transaction and transaction flow direction, settled a claim during user sees a doctor so as to further improve medical insurance
The transparency of journey improves user experience in addition, user can view the circulation of each transaction.
Further, based on any of the above embodiments, which comprises
Medical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；
Determine data to be settled a claim according to the medical treatment information, generate the second key, by described in second key pair to
Claims Resolution data are encrypted, and cleartext information corresponding with the data to be settled a claim is obtained, by the described and data pair to be settled a claim
The cleartext information answered is written in the block chain；
Second key is encrypted by the public key of the insurance company's node prestored, forms the second Transaction Information；
Second Transaction Information is written in the block chain, so that insurance company's node is according to the data to be settled a claim
Claims Resolution is determined by the preset first intelligent contract as a result, and the Claims Resolution result is written in the block chain；
The Claims Resolution result is obtained from the block chain；
The record of transferring accounts of financial institution's node is obtained from the block chain, the record of transferring accounts is financial institution's node root
According to the Claims Resolution result to being written in the block chain after the account transfer of the user.
In the present embodiment, in order to improve the data safety of each node in block chain, before writing data into block chain,
It needs to encrypt data.It should be noted that each node in block chain is all stored with the public key of other nodes, therefore,
Data can be encrypted according to the public key of other nodes, correspondingly, other nodes can be by the private key of itself to decryption
Data afterwards are decrypted, and realize checking for data.Specifically, user terminal node can be generated the second key, and pass through the
Two key pairs data to be settled a claim are encrypted, and cleartext information corresponding with data to be settled a claim is obtained, will be with the data to be settled a claim
Corresponding cleartext information is written in the block chain, the public key of insurance company's node by prestoring and financial institution's node
Public key encrypts second key, forms the second Transaction Information, and second Transaction Information is written in the block chain.
Correspondingly, insurance company's node can be decrypted the second Transaction Information according to the private key of itself, obtain second key, and
It is decrypted by the data to be settled a claim after the second key pair encryption, so as to determine current Claims Resolution by data to be settled a claim
As a result.In addition, in order to verify the legitimacy of transaction, financial institution's node can also be obtained according to the private key of itself to being decrypted
Second key is obtained, and is decrypted by the data to be settled a claim after the second key pair encryption, data validation is tested in realization
Card.
Medical insurance Claims Resolution method provided in this embodiment, it is raw by determining data to be settled a claim according to the medical treatment information
It at the second key, is encrypted, is obtained corresponding with the data to be settled a claim by data to be settled a claim described in second key pair
Cleartext information, the cleartext information corresponding with the data to be settled a claim is written in the block chain；Pass through the guarantor prestored
The public key of dangerous company's node encrypts second key, forms the second Transaction Information；Second Transaction Information is write
Enter in the block chain, so as to improve data in block chain on the basis of improving the transparency of medical insurance Claims Resolution
Safety.
Further, based on any of the above embodiments, which comprises
Medical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；
The UTXO list in the medical treatment information is obtained, includes each transaction during user sees a doctor in the list
The amount of money and transaction flow direction；
The UTXO list is verified by the preset second intelligent contract, judges whether the UTXO list is complete
At Claims Resolution；
According to the transaction that the selection instruction of the user is settled a claim from UTXO list selection, by the needs
The data to be settled a claim are written in the block chain as the data to be settled a claim for the transaction settled a claim, so that insurance is public
It takes charge of node and determines Claims Resolution as a result, and writing the Claims Resolution result by the preset first intelligent contract according to the data to be settled a claim
Enter in the block chain；
The Claims Resolution is obtained from the block chain as a result, according to the described first intelligent contract and the data to be settled a claim
Judge whether the Claims Resolution result is legal；
The record of transferring accounts that financial institution's node is obtained from the block chain is transferred accounts according to Claims Resolution result judgement
Whether legal, the record of transferring accounts is financial institution's node according to the Claims Resolution result to after the account transfer of the user if recording
It is written in the block chain.
In the present embodiment, three parts content is specifically included in UTXO list: during UTXO List Identification, user see a doctor
The amount of money and transaction flow direction of each transaction and current stateful transaction.Therefore, the UTXO in the medical treatment information is being obtained
After list, can according to the state of the preset second intelligent contract verifying UTXO list, judge the UTXO list currently whether
Claims Resolution is completed.
Medical insurance provided in this embodiment is settled a claim method, by the preset second intelligent contract to the UTXO list into
Row verification, judges whether the UTXO list is completed Claims Resolution, so as to improve the efficiency of medical insurance Claims Resolution.
Further, based on any of the above embodiments, the Claims Resolution after insurance company encryption the result is that write
Enter the block chain；The described method includes:
Medical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；
Data to be settled a claim are determined according to the medical treatment information, and the data to be settled a claim are written in the block chain, so that
Insurance company's node, which is determined according to the data to be settled a claim by the preset first intelligent contract, settles a claim as a result, and by the Claims Resolution
As a result it is written in the block chain；
Third Transaction Information is obtained from the block chain, and the third Transaction Information is solved by private key for user
It is close, obtain the third key information for encrypting the Claims Resolution result；
The corresponding cleartext information of the Claims Resolution result is decrypted by the third key information, obtains the Claims Resolution
As a result；
The record of transferring accounts of financial institution's node is obtained from the block chain, the record of transferring accounts is financial institution's node root
According to the Claims Resolution result to being written in the block chain after the account transfer of the user.
It in the present embodiment, can be with after insurance company's node generates Claims Resolution result according to the preset first intelligent contract
According to the third key pair of generation, the Claims Resolution result is encrypted, and obtains third Transaction Information, and pass through user terminal node
Public key encrypts the third key.Correspondingly, user terminal node can obtain third Transaction Information from block chain, and
First Transaction Information is decrypted by private key for user, obtains the third key letter for encrypting the Claims Resolution result
Breath is decrypted the corresponding cleartext information of Claims Resolution result by the third key information, obtains the Claims Resolution result.
Medical insurance Claims Resolution method provided in this embodiment, by obtaining third Transaction Information from the block chain, and
First Transaction Information is decrypted by private key for user, obtains the third key letter for encrypting the Claims Resolution result
Breath；The corresponding cleartext information of the Claims Resolution result is decrypted by the third key information, obtain it is described Claims Resolution as a result,
So as to improve the safety of data in block chain on the basis of improving the transparency of medical insurance Claims Resolution.
Fig. 4 is the flow diagram for the medical insurance Claims Resolution method that the embodiment of the present invention three provides, in any of the above-described implementation
On the basis of example, as shown in figure 4, the method also includes:
Step 301 obtains medical treatment information from block chain, and the medical treatment information is that the block is written in medical institutions' node
Chain；
Step 302 determines data to be settled a claim according to the medical treatment information, and the block chain is written in the data to be settled a claim
In, so that insurance company's node determines Claims Resolution by the preset first intelligent contract as a result, and will according to the data to be settled a claim
The Claims Resolution result is written in the block chain；
Step 303 obtains the Claims Resolution result from the block chain；
Step 304 judges whether the Claims Resolution result closes according to the described first intelligent contract and the data to be settled a claim
Method；
Step 305, the record of transferring accounts that financial institution's node is obtained from the block chain, the record of transferring accounts is financial machine
Structure node is according to the Claims Resolution result to being written in the block chain after the account transfer of user.
In the present embodiment, be for each node in alliance's chain due to the first intelligent contract it is disclosed, so alliance's chain
In each node can realize the verification to Claims Resolution result according to the first intelligent contract, improve Claims Resolution transparent procedures degree.
Due to during Claims Resolution, any node a possibility that there may be data falsifications, therefore, in order to improve the safety of Claims Resolution
Property, insurance company's node will settle a claim result write-in block chain in after, user the Claims Resolution can be obtained from block chain as a result,
And judge whether the Claims Resolution result is legal by the first intelligent contract, and correspondingly measure is taken according to judging result.
Medical insurance provided in this embodiment is settled a claim method, by according to the described first intelligent contract and described wait settle a claim
Data judge whether the Claims Resolution result is legal, so that the generation process for result of settling a claim is relatively transparent, user can be verified
Or it reappears, and then can be improved user experience.
Fig. 5 is the flow diagram for the medical insurance Claims Resolution method that the embodiment of the present invention four provides, in any of the above-described implementation
On the basis of example, as shown in Figure 5, which comprises
Step 401 obtains medical treatment information from block chain, and the medical treatment information is that the block is written in medical institutions' node
Chain；
Step 402 determines data to be settled a claim according to the medical treatment information, and the block chain is written in the data to be settled a claim
In, so that insurance company's node determines Claims Resolution by the preset first intelligent contract as a result, and will according to the data to be settled a claim
The Claims Resolution result is written in the block chain；
Step 403 obtains the Claims Resolution result from the block chain；
Step 404 judges whether the Claims Resolution result is consistent with standard Claims Resolution result；
Step 405, if so, determining that the Claims Resolution result is legal；
Step 406, if it is not, then determining that the Claims Resolution result is illegal；
Step 407, the record of transferring accounts that financial institution's node is obtained from the block chain, the record of transferring accounts is financial machine
Structure node is according to the Claims Resolution result to being written in the block chain after the account transfer of the user.
In the present embodiment, due to the first intelligent contract be it is disclosed, i.e., each node in block chain can use should
First intelligent contract.Therefore, after getting the Claims Resolution result that insurance company is written in block chain, since insurance company can be with
Claims Resolution result is forged, therefore in order to improve the transparency of Claims Resolution, which can be verified.Specifically,
User terminal can generate standard Claims Resolution as a result, judging insurance company's write-in according to the intelligent contract of data call first to be settled a claim
Whether result of settling a claim is consistent with standard Claims Resolution result, if unanimously, determining that Claims Resolution result is legal, if inconsistent, determining to settle a claim
As a result illegal, so as to be taken appropriate measures according to judgement result, to safeguard the equity of user.
Medical insurance Claims Resolution method provided in this embodiment, by obtaining the Claims Resolution from the block chain as a result, root
According to the data to be settled a claim, standard corresponding with the data to be settled a claim of calling the described first intelligent contract determining settle a claim as a result,
Whether consistent with standard Claims Resolution result judge the Claims Resolution result, if so, determine that the Claims Resolution result is legal, if it is not,
Then determine that the Claims Resolution result is illegal.So as to improve the transparency of Claims Resolution process, the power of user can be additionally safeguarded
Benefit.
Further, based on any of the above embodiments, the record of transferring accounts is write after financial institution's node encrytion
Enter in the block chain；The described method includes:
Medical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；
Data to be settled a claim are determined according to the medical treatment information, and the data to be settled a claim are written in the block chain, so that
Insurance company's node, which is determined according to the data to be settled a claim by the preset first intelligent contract, settles a claim as a result, and by the Claims Resolution
As a result it is written in the block chain；
The Claims Resolution result is obtained from the block chain；
The 4th Transaction Information is obtained from the block chain, and the 4th Transaction Information is solved by private key for user
It is close, obtain the 4th key information for encrypting the record of transferring accounts；
Described transfer accounts is recorded by corresponding cleartext information is decrypted by the 4th key information, transfers accounts described in acquisition
Record, the record of transferring accounts are financial institution's nodes according to the Claims Resolution result to described in being written after the account transfer of the user
In block chain.
In the present embodiment, after the Claims Resolution result that financial institution's node is uploaded according to insurance company's node is transferred accounts,
It the record of transferring accounts can be encrypted according to the 4th key pair of itself, obtain the 4th Transaction Information, it will be on the 4th Transaction Information
Block chain is reached, furthermore, it is possible to by the public key of insurance company's node and the public key of user terminal node respectively to the 4th
Key is encrypted.Correspondingly, user terminal node can obtain the 4th Transaction Information from block chain, and pass through private key for user
4th Transaction Information is decrypted, obtains the 4th key for encrypting the record of transferring accounts, and pass through the 4th key
It is decrypted, record of transferring accounts is obtained, so as to check the record of transferring accounts.In addition, insurance company's node can also root
It is decrypted according to the public key of itself, obtains the 4th key, and acquisition is decrypted by the 4th key and is transferred accounts record, so as to
Determine whether financial institution carries out data forgery in transfer procedure.
Medical insurance Claims Resolution method provided in this embodiment, by obtaining the 4th Transaction Information from the block chain, and
The 4th Transaction Information is decrypted by private key for user, obtains the 4th key letter for encrypting the record of transferring accounts
Breath；Described transfer accounts is recorded by corresponding cleartext information is decrypted by the 4th key information, record of transferring accounts described in acquisition,
So as to improve the safety of data in block chain on the basis of improving the transparency of medical insurance Claims Resolution.
Further, based on any of the above embodiments, which comprises
Medical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；
Data to be settled a claim are determined according to the medical treatment information, and the data to be settled a claim are written in the block chain, so that
Insurance company's node, which is determined according to the data to be settled a claim by the preset first intelligent contract, settles a claim as a result, and by the Claims Resolution
As a result it is written in the block chain；
The Claims Resolution result is obtained from the block chain；
The record of transferring accounts of financial institution's node is obtained from the block chain, the record of transferring accounts is financial institution's node root
According to the Claims Resolution result to being written in the block chain after the account transfer of user；
Whether record of transferring accounts according to Claims Resolution result judgement is legal.
In the present embodiment, insurance company's node will settle a claim after result is written into block chain, financial institution's node
Can check the Claims Resolution as a result, and transferred accounts according to the amount of money in the Claims Resolution result to user, realize Claims Resolution.Financial institution's section
After point is transferred accounts, record write-in can will be transferred accounts into block chain.Due to this transfer accounts record can be by each node in alliance's chain
It is checked, therefore, user can obtain the record of transferring accounts from block chain, and be written in block chain according to insurance company's node
Claims Resolution result judge the record of transferring accounts judge whether the record of transferring accounts legal, in addition, insurance company's node can also be with
The record of transferring accounts is obtained, and the record of transferring accounts is compared with Claims Resolution result, judges whether the record of transferring accounts of financial institution closes
Method.
Medical insurance provided in this embodiment is settled a claim method, by according to the Claims Resolution result judge described in record of transferring accounts be
It is no legal, so as to further improve the transparency of Claims Resolution process.
Further, based on any of the above embodiments, which comprises
Medical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；
Data to be settled a claim are determined according to the medical treatment information, and the data to be settled a claim are written in the block chain, so that
Insurance company's node, which is determined according to the data to be settled a claim by the preset first intelligent contract, settles a claim as a result, and by the Claims Resolution
As a result it is written in the block chain；
The Claims Resolution result is obtained from the block chain；
The record of transferring accounts of financial institution's node, the transfer amounts transferred accounts in recording described in judgement are obtained from the block chain
It is whether consistent with the Claims Resolution result；
If so, determine described in transfer accounts record it is legal；
Record illegal if it is not, transferring accounts described in then determining, the record of transferring accounts is financial institution's node according to the Claims Resolution
As a result to being written in the block chain after the account transfer of the user.
In the present embodiment, in order to safeguard the legitimate rights and interests of user, after user gets the record of transferring accounts of financial institution,
The record that can transfer accounts to this is verified.Specifically, it can be determined that this transfer accounts record in transfer amounts whether with Claims Resolution result
Unanimously, if unanimously, determining to transfer accounts, it is legal to record, if inconsistent, determining to transfer accounts, it is illegal to record.To which user can basis
Determine that result carries out the operation such as right-safeguarding.In addition, user can also transfer accounts according to this, record checks bank card remaining sum, current to determine
Whether receive and transfers accounts.
Medical insurance Claims Resolution method provided in this embodiment, passes through and obtains turning for financial institution's node from the block chain
Account records, and whether the transfer amounts in record of transferring accounts described in judgement are consistent with the Claims Resolution result；If so, transferring accounts described in determining
It is legal to record；If it is not, then determine described in transfer accounts record it is illegal, so as to improve medical insurance Claims Resolution transparency base
On plinth, the equity of user is safeguarded.
Fig. 6 is the structural schematic diagram for the medical insurance Claims Resolution device that the embodiment of the present invention five provides, as shown in fig. 6, described
Medical insurance Claims Resolution device include:
First obtains module 51, and for obtaining medical treatment information from block chain, the medical treatment information is medical institutions' node
The block chain is written；
Data determining module 52 to be settled a claim, for determining data to be settled a claim according to the medical treatment information, by described wait settle a claim
Data are written in the block chain, so that insurance company's node passes through the preset first intelligent contract according to the data to be settled a claim
Claims Resolution is determined as a result, and the Claims Resolution result is written in the block chain；
Second obtains module 53, for obtaining the Claims Resolution result from the block chain；
Third obtains module 54, described to transfer accounts for obtaining the record of transferring accounts of financial institution's node from the block chain
Record is financial institution's node according to the Claims Resolution result to being written in the block chain after the account transfer of the user.
Medical insurance Claims Resolution device provided in this embodiment, by obtaining medical treatment information from block chain, medical treatment information is
Block chain is written in medical institutions；Data to be settled a claim are determined according to medical treatment information, and data to be settled a claim are written in block chain, so that
Insurance company determines Claims Resolution by the preset first intelligent contract as a result, and block is written in Claims Resolution result according to data to be settled a claim
In chain；Claims Resolution result is obtained from block chain；The record of transferring accounts of financial institution is obtained from block chain, record of transferring accounts is financial machine
Structure is written in block chain according to Claims Resolution result to after the account transfer of user.To which the generation process for result of settling a claim is more saturating
Bright, user can verify or reappear, and then can be improved user experience.
Further, based on any of the above embodiments, the medical treatment information is medical institutions' node encrytion
The block chain is written afterwards；
Correspondingly, the first acquisition module includes:
First acquisition unit, for obtaining the first Transaction Information from the block chain, and by private key for user to described
First Transaction Information is decrypted, and obtains the first key information for encrypting the medical treatment information；
First decryption unit, for being carried out by the first key information to the corresponding cleartext information of the medical treatment information
Decryption, obtains the medical treatment information.
Further, based on any of the above embodiments, the data determining module to be settled a claim includes:
Second acquisition unit includes that user sees a doctor for obtaining the UTXO list in the medical treatment information, in the list
The amount of money of each transaction and transaction flow direction in the process；
Selecting unit, the friendship settled a claim for the selection instruction according to the user from UTXO list selection
Easily, using the transaction settled a claim as the data to be settled a claim.
Further, based on any of the above embodiments, the data determining module to be settled a claim includes:
Second Key generating unit, for generate the second key, by data to be settled a claim described in second key pair into
Row encryption obtains cleartext information corresponding with the data to be settled a claim, by the plaintext letter corresponding with the data to be settled a claim
Breath is written in the block chain；
Encryption unit is formed for being encrypted by the public key of the insurance company's node prestored to second key
Second Transaction Information；
Writing unit, for second Transaction Information to be written in the block chain.
Further, based on any of the above embodiments, the data determining module to be settled a claim further include:
First judging unit judges institute for verifying by the preset second intelligent contract to the UTXO list
State whether UTXO list is completed Claims Resolution.
Further, based on any of the above embodiments, the Claims Resolution after insurance company encryption the result is that write
Enter the block chain；
Correspondingly, the second acquisition module includes:
Third acquiring unit, for obtaining third Transaction Information from the block chain, and by private key for user to described
Third Transaction Information is decrypted, and obtains the third key information for encrypting the Claims Resolution result；
Second decryption unit, for being carried out by the third key information to the corresponding cleartext information of the Claims Resolution result
Decryption, obtains the Claims Resolution result.
Further, based on any of the above embodiments, described device further include:
First correction verification module, for judging that the Claims Resolution is tied according to the described first intelligent contract and the data to be settled a claim
Whether fruit is legal.
Further, based on any of the above embodiments, first correction verification module includes:
Call unit, for calling the described first intelligent contract to determine with described wait settle a claim according to the data to be settled a claim
The corresponding standard Claims Resolution result of data；
Second judgment unit, for judging whether the Claims Resolution result is consistent with standard Claims Resolution result；
First judging unit is used for if so, determining that the Claims Resolution result is legal；
Second judging unit, for if it is not, then determining that the Claims Resolution result is illegal.
Further, based on any of the above embodiments, the record of transferring accounts is write after financial institution's node encrytion
Enter in the block chain；
Correspondingly, the third acquisition module includes:
4th acquiring unit, for obtaining the 4th Transaction Information from the block chain, and by private key for user to described
4th Transaction Information is decrypted, and obtains the 4th key information for encrypting the record of transferring accounts；
Third decryption unit, for recording corresponding cleartext information progress to described transfer accounts by the 4th key information
It decrypts, record of transferring accounts described in acquisition.
Further, based on any of the above embodiments, described device includes:
Second correction verification module, it is whether legal for record of transferring accounts according to Claims Resolution result judgement.
Further, based on any of the above embodiments, second correction verification module includes:
Third judging unit, for judging whether the transfer amounts in the record of transferring accounts are consistent with the Claims Resolution result；
Third judging unit, for if so, determine described in transfer accounts record it is legal；
4th judging unit, for if it is not, then determine described in transfer accounts record it is illegal.
It further, based on any of the above embodiments, include user terminal node, therapeutic machine in the block chain
Structure node, insurance company's node and financial institution's node.
Fig. 7 is the structural schematic diagram for the medical insurance Claims Resolution equipment that the embodiment of the present invention six provides, as described in Figure 7, described
Medical insurance Claims Resolution equipment, comprising: memory 61, processor 62；
Memory 61；For storing the memory 61 of 62 executable instruction of processor；
Wherein, the processor 62 is configured as executing the medical treatment as described in above-mentioned any embodiment as the processor 62
Settlement of insurance claim method.
Further embodiment of this invention also provides a kind of computer readable storage medium, in the computer readable storage medium
Computer executed instructions are stored with, for realizing such as above-mentioned any embodiment when the computer executed instructions are executed by processor
The medical insurance Claims Resolution method.
It is apparent to those skilled in the art that for convenience and simplicity of description, the device of foregoing description
Specific work process, can refer to corresponding processes in the foregoing method embodiment, details are not described herein.
Those of ordinary skill in the art will appreciate that: realize that all or part of the steps of above-mentioned each method embodiment can lead to
The relevant hardware of program instruction is crossed to complete.Program above-mentioned can be stored in a computer readable storage medium.The journey
When being executed, execution includes the steps that above-mentioned each method embodiment to sequence；And storage medium above-mentioned include: ROM, RAM, magnetic disk or
The various media that can store program code such as person's CD.
Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Pipe present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: its according to
So be possible to modify the technical solutions described in the foregoing embodiments, or to some or all of the technical features into
Row equivalent replacement；And these are modified or replaceed, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The range of scheme.
Claims (26)
- A kind of method 1. medical insurance is settled a claim characterized by comprisingMedical treatment information is obtained from block chain, the medical treatment information is that the block chain is written in medical institutions' node；Data to be settled a claim are determined according to the medical treatment information, the data to be settled a claim are written in the block chain, so that insurance Company's node, which is determined according to the data to be settled a claim by the preset first intelligent contract, settles a claim as a result, and by the Claims Resolution result It is written in the block chain；The Claims Resolution result is obtained from the block chain；The record of transferring accounts of financial institution's node is obtained from the block chain, the record of transferring accounts is financial institution's node according to institute Claims Resolution result is stated to being written in the block chain after the account transfer of user.
- 2. the method according to claim 1, wherein after the medical treatment information is medical institutions' node encrytion The block chain is written；It is correspondingly, described that medical treatment information is obtained from block chain, comprising:The first Transaction Information is obtained from the block chain, and first Transaction Information is decrypted by private key for user, Obtain the first key information for encrypting the medical treatment information；The corresponding cleartext information of the medical treatment information is decrypted by the first key information, obtains the medical treatment letter Breath.
- 3. the method according to claim 1, wherein described determine data to be settled a claim according to the medical treatment information, Include:The UTXO list in the medical treatment information is obtained, includes the amount of money of each transaction during user sees a doctor in the list And transaction flow direction；According to the transaction that the selection instruction of the user is settled a claim from UTXO list selection, need to carry out by described The transaction of Claims Resolution is as the data to be settled a claim.
- 4. the method according to claim 1, wherein described be written the block chain for the data to be settled a claim In, comprising:The second key is generated, is encrypted by data to be settled a claim described in second key pair, is obtained and the number to be settled a claim According to corresponding cleartext information, the cleartext information corresponding with the data to be settled a claim is written in the block chain；Second key is encrypted by the public key of the insurance company's node prestored, forms the second Transaction Information；Second Transaction Information is written in the block chain.
- 5. according to the method described in claim 3, it is characterized in that, the selection instruction according to the user is from the UTXO List selects the project settled a claim, using the project settled a claim as described in wait data of settling a claim after, and also Include:The UTXO list is verified by the preset second intelligent contract, judges whether the UTXO list is completed reason It pays for.
- 6. the method according to claim 1, wherein the Claims Resolution after insurance company encryption the result is that be written The block chain；It is correspondingly, described that the Claims Resolution result is obtained from the block chain, comprising:Third Transaction Information is obtained from the block chain, and the third Transaction Information is decrypted by private key for user, Obtain the third key information for encrypting the Claims Resolution result；The corresponding cleartext information of the Claims Resolution result is decrypted by the third key information, obtains the Claims Resolution knot Fruit.
- 7. the method according to claim 1, wherein it is described obtained from the block chain Claims Resolution result it Afterwards, further includes:Judge whether the Claims Resolution result is legal according to the described first intelligent contract and the data to be settled a claim.
- 8. the method according to the description of claim 7 is characterized in that described according to the described first intelligent contract and described wait manage Pay for data judge whether the Claims Resolution result is legal, comprising:According to the data to be settled a claim, standard Claims Resolution corresponding with the data to be settled a claim of calling the described first intelligent contract determining As a result；Judge whether the Claims Resolution result is consistent with standard Claims Resolution result；If so, determining that the Claims Resolution result is legal；If it is not, then determining that the Claims Resolution result is illegal.
- 9. the method according to claim 1, wherein the record of transferring accounts is written after financial institution's node encrytion In the block chain；Correspondingly, the record of transferring accounts that financial institution is obtained from the block chain, comprising:The 4th Transaction Information is obtained from the block chain, and the 4th Transaction Information is decrypted by private key for user, Obtain the 4th key information for encrypting the record of transferring accounts；Described transfer accounts is recorded by corresponding cleartext information is decrypted by the 4th key information, note of transferring accounts described in acquisition Record.
- 10. the method according to claim 1, wherein described obtain turning for financial institution from the block chain After account record, further includes:Whether record of transferring accounts according to Claims Resolution result judgement is legal.
- 11. 0 described in any item methods according to claim 1, which is characterized in that described according to Claims Resolution result judgement Whether record of transferring accounts is legal, comprising:Whether the transfer amounts transferred accounts in recording described in judgement are consistent with the Claims Resolution result；If so, determine described in transfer accounts record it is legal；If it is not, then determine described in transfer accounts record it is illegal.
- 12. -11 described in any item methods according to claim 1, which is characterized in that include user terminal section in the block chain Point, medical institutions' node, insurance company's node and financial institution's node.
- The device 13. a kind of medical insurance is settled a claim characterized by comprisingFirst obtains module, and for obtaining medical treatment information from block chain, institute is written for medical institutions' node in the medical treatment information State block chain；Data determining module to be settled a claim writes the data to be settled a claim for determining data to be settled a claim according to the medical treatment information Enter in the block chain, so that insurance company's node determines reason by the preset first intelligent contract according to the data to be settled a claim It pays for as a result, and the Claims Resolution result is written in the block chain；Second obtains module, for obtaining the Claims Resolution result from the block chain；Third obtains module, and for obtaining the record of transferring accounts of financial institution's node from the block chain, the record of transferring accounts is Financial institution's node is according to the Claims Resolution result to being written in the block chain after the account transfer of user.
- 14. device according to claim 13, which is characterized in that the medical treatment information is medical institutions' node encrytion The block chain is written afterwards；Correspondingly, the first acquisition module includes:First acquisition unit, for obtaining the first Transaction Information from the block chain, and by private key for user to described first Transaction Information is decrypted, and obtains the first key information for encrypting the medical treatment information；First decryption unit, for being solved by the first key information to the corresponding cleartext information of the medical treatment information It is close, obtain the medical treatment information.
- 15. device according to claim 13, which is characterized in that the data determining module to be settled a claim includes:Second acquisition unit includes user's medical treatment process in the list for obtaining the UTXO list in the medical treatment information In each transaction the amount of money and transaction flow direction；Selecting unit, for the transaction settled a claim to be selected from the UTXO list according to the selection instruction of the user, Using the transaction settled a claim as the data to be settled a claim.
- 16. device according to claim 13, which is characterized in that the data determining module to be settled a claim includes:Second Key generating unit is added for generating the second key by data to be settled a claim described in second key pair It is close, cleartext information corresponding with the data to be settled a claim is obtained, the cleartext information corresponding with the data to be settled a claim is write Enter in the block chain；Encryption unit forms second for encrypting by the public key of the insurance company's node prestored to second key Transaction Information；Writing unit, for second Transaction Information to be written in the block chain.
- 17. device according to claim 15, which is characterized in that the data determining module to be settled a claim further include:First judging unit, for being verified by the preset second intelligent contract to the UTXO list, described in judgement Whether UTXO list is completed Claims Resolution.
- 18. device according to claim 13, which is characterized in that the Claims Resolution after insurance company encryption the result is that write Enter the block chain；Correspondingly, the second acquisition module includes:Third acquiring unit, for obtaining third Transaction Information from the block chain, and by private key for user to the third Transaction Information is decrypted, and obtains the third key information for encrypting the Claims Resolution result；Second decryption unit, for being solved by the third key information to the corresponding cleartext information of the Claims Resolution result It is close, obtain the Claims Resolution result.
- 19. device according to claim 18, which is characterized in that described device further include:First correction verification module, for according to the described first intelligent contract and the data to be settled a claim judge it is described settle a claim the result is that It is no legal.
- 20. device according to claim 13, which is characterized in that first correction verification module includes:Call unit, for calling the described first intelligent contract determining and the data to be settled a claim according to the data to be settled a claim Corresponding standard Claims Resolution result；Second judgment unit, for judging whether the Claims Resolution result is consistent with standard Claims Resolution result；First judging unit is used for if so, determining that the Claims Resolution result is legal；Second judging unit, for if it is not, then determining that the Claims Resolution result is illegal.
- 21. device according to claim 13, which is characterized in that the record of transferring accounts is write after financial institution's node encrytion Enter in the block chain；Correspondingly, the third acquisition module includes:4th acquiring unit, for obtaining the 4th Transaction Information from the block chain, and by private key for user to the described 4th Transaction Information is decrypted, and obtains the 4th key information for encrypting the record of transferring accounts；Third decryption unit, for described transfer accounts to be recorded corresponding cleartext information and solved by the 4th key information It is close, record of transferring accounts described in acquisition.
- 22. device according to claim 13, which is characterized in that described device further include:Second correction verification module, it is whether legal for record of transferring accounts according to Claims Resolution result judgement.
- 23. according to the described in any item devices of claim 22, which is characterized in that first correction verification module includes:Third judging unit, for judging whether the transfer amounts in the record of transferring accounts are consistent with the Claims Resolution result；Third judging unit, for if so, determine described in transfer accounts record it is legal；4th judging unit, for if it is not, then determine described in transfer accounts record it is illegal.
- 24. the described in any item devices of 3-23 according to claim 1, which is characterized in that include user terminal in the block chain Node, medical institutions' node, insurance company's node and financial institution's node.
- The equipment 25. a kind of medical insurance is settled a claim characterized by comprising memory, processor；Memory；For storing the memory of the processor-executable instruction；Wherein, the processor is configured to executing such as the described in any item medical insurances of claim 1-12 by the processor Claims Resolution method.
- 26. a kind of computer readable storage medium, which is characterized in that be stored with computer in the computer readable storage medium It executes instruction, for realizing such as described in any item doctors of claim 1-12 when the computer executed instructions are executed by processor Treat settlement of insurance claim method.
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| CN201811509286.0A CN109389513A (en) | 2018-12-11 | 2018-12-11 | Medical insurance Claims Resolution method, apparatus, equipment and computer readable storage medium |
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