CN110866837A - Block chain-based vehicle insurance underwriting claim method, equipment and system - Google Patents
Block chain-based vehicle insurance underwriting claim method, equipment and system Download PDFInfo
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Abstract
The invention provides a block chain-based vehicle insurance claim method, a block chain-based vehicle insurance claim system, computer equipment and a computer-readable storage medium, and relates to the technical field of insurance. The method comprises the following steps: establishing a alliance chain, adding each organization into the alliance chain to serve as a node of the alliance chain, achieving an consensus rule, and determining an intelligent vehicle insurance contract; encrypting policy information and diffusing the policy information to the alliance chain, wherein the policy information is generated after a user purchases insurance through a bank or an insurance company; and when a claim settlement application corresponding to the policy information and submitted by the user is received, triggering the intelligent contract to carry out claim settlement. According to the invention, by means of the block chain technology, insurance product information, insurance application information, circulation process and claim settlement information are linked, so that full-flow postscript, real insurance policy and privacy encryption protection of customers are ensured, and meanwhile, online automatic insurance claim settlement is realized by means of an intelligent contract, so that various disputes are reduced, and customer satisfaction is greatly improved.
Description
Technical Field
The invention relates to the technical field of insurance, in particular to insurance underwriting technology, and specifically relates to a block chain-based vehicle insurance underwriting claim method, block chain-based vehicle insurance underwriting claim equipment, a business system, computer equipment and a computer-readable storage medium.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, with the increasing demand of the public for automobile insurance, the variety of automobile insurance is also increasing, the dispute between the client and the insurance company is also increasing, and the main problems are focused on the following aspects:
1. the insurance company has the problems of false information, opaque insurance clauses, indemnity after accidents occur, and the like in the process of selling insurance products. The application of the product, namely the fish and the dragon, are mixed, and some products relate to false propaganda, so that the claim is difficult, the claim settlement period is long, and the claim settlement is slow. Prior art insurance claims generally include: the client meets the claim settlement, provides the claim settlement document and sends the claim settlement document to the insurance company, and the insurance company manually settles the claim according to the agreement, and if the claim settlement is not satisfied with the client, the arbitration can be carried out only by finding a third party. The time is long, the insurance company does not settle the claim normally, and the customer has many disputes.
2. The client utilizes the information asymmetry to carry out the cheat-guarantee phenomenon.
3. The insurance company has incomplete qualification and may run out, so that the client cannot obtain the claim, or the insurance company has a broken fund chain, so that the claim cannot be settled.
4. The insurance company has insufficient protection force on client data, so that information of a plurality of insurance applicants is revealed, and great interference is brought to the life of the insurance applicants.
Therefore, how to provide a new solution, which can solve the above technical defects, is a technical problem to be solved in the art.
Disclosure of Invention
In view of the above, the present invention provides a block chain-based vehicle insurance claim method, a block chain-based vehicle insurance claim system, a computer device, and a computer readable storage medium, wherein insurance product information, insurance application information, circulation process, and claim settlement information are linked by using a block chain technology, so that a full-flow tracing is implemented, real policy and privacy encryption protection of customers are ensured, and meanwhile, online automatic claim settlement of insurance is implemented by using an intelligent contract, so that various disputes are reduced, and customer satisfaction is greatly improved.
In order to achieve the above object, the present invention provides a block chain-based insurance claim method for car insurance, including:
building a alliance chain, wherein each organization is added into the alliance chain to serve as a node of the alliance chain, achieves a consensus rule and determines an intelligent vehicle insurance contract, and the organizations comprise banks, insurance companies and insurance monitoring meetings;
encrypting policy information and diffusing the policy information to the alliance chain, wherein the policy information is generated after a user purchases insurance through the bank or an insurance company;
and triggering an intelligent contract to carry out claim settlement when a claim settlement application corresponding to the policy information and submitted by the user is received.
In a preferred embodiment of the present invention, the federation chain assigns a public key and a private key to the joining node.
In a preferred embodiment of the present invention, after the policy information is diffused into the federation chain, the method further comprises:
the insurance company decrypts the insurance policy information through the private key and verifies the insurance information, and when the insurance policy information passes the verification, the insurance policy information stores the verification result into the block chain;
and the insurance policy manager decrypts the insurance policy information through a private key and then records and verifies the insurance information of the user, and stores the insurance policy information into the block chain after the insurance policy information passes verification.
In a preferred embodiment of the present invention, when a claim settlement application corresponding to the policy information and submitted by a user is received, the triggering an intelligent contract to perform claim settlement includes:
when a claim settlement application corresponding to the policy information and submitted by a user is received, the insurance company encrypts the claim settlement application and broadcasts the encrypted claim settlement application to a block chain;
decrypting the claim application by using a private key and triggering an intelligent contract to carry out claim settlement;
and encrypting the claim settlement information and diffusing the encrypted claim settlement information into the block chain.
In a preferred embodiment of the present invention, the method further comprises:
updating the state corresponding to the claim application;
other nodes on the federation chain agree.
In a preferred embodiment of the present invention, the method further comprises:
receiving checking application information sent by a user;
and displaying the state corresponding to the claim application according to the viewing application information.
One of the objects of the present invention is to provide a block chain-based insurance claim system, which includes:
the alliance chain building module is used for building an alliance chain, each organization is added into the alliance chain to serve as a node of the alliance chain, a consensus rule is achieved, and an intelligent vehicle insurance contract is determined, wherein the organizations comprise banks, insurance companies and insurance monitoring meetings;
the insurance policy information encryption module is used for encrypting the insurance policy information and diffusing the encrypted insurance policy information to the alliance chain, wherein the insurance policy information is generated after a user purchases insurance through the bank or an insurance company;
and the vehicle insurance claim settlement module is used for triggering an intelligent contract to carry out claim settlement when a claim settlement application corresponding to the policy information and submitted by the user is received.
In a preferred embodiment of the present invention, after the policy information is diffused into the federation chain, the system further includes:
the insurance company verification module is used for verifying insurance information after the insurance company decrypts the insurance policy information through the private key, and storing a verification result into the block chain when the insurance company passes the verification;
and the insurance policy management system comprises a insurance policy management module, a private key management module and a block chain management module, wherein the insurance policy management module is used for decrypting the insurance policy information by the private key and then carrying out record verification on the insurance information of the user, and storing the insurance policy information into the block chain after the verification is passed.
In a preferred embodiment of the present invention, the car insurance claims module includes:
the claim settlement application encryption module is used for encrypting the claim settlement application and broadcasting the encrypted claim settlement application to a block chain when receiving the claim settlement application corresponding to the policy information and submitted by a user;
the intelligent contract triggering module is used for triggering an intelligent contract to carry out claim settlement after the claim settlement application is decrypted by using a private key;
and the claim settlement information encryption module is used for encrypting the claim settlement information and then diffusing the encrypted claim settlement information into the block chain.
In a preferred embodiment of the present invention, the system further comprises:
the claim settlement state updating module is used for updating the state corresponding to the claim settlement application;
and the node consensus module is used for performing consensus on other nodes on the alliance chain.
In a preferred embodiment of the present invention, the system further comprises:
the viewing information receiving module is used for receiving viewing application information sent by a user;
and the claim settlement state display module is used for displaying the state corresponding to the claim settlement application according to the viewing application information.
One of the objects of the present invention is to provide a computer device, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements a block chain based car insurance claim method when executing the computer program.
One object of the present invention is to provide a computer-readable storage medium storing a program for executing a block chain-based vehicle insurance claim settlement method.
The block chain-based vehicle insurance underwriting claim method, the block chain-based vehicle insurance underwriting claim equipment, the business system, the computer equipment and the computer readable storage medium have the advantages that by building a alliance chain, insurance product information, insurance application information, circulation processes and claim settlement information are linked by means of a block chain technology, full-flow tracing is achieved, data are publicly and transparently distributed in each part of transaction, insurance companies, supervision departments and consumers share the data, and a complete information flow is formed. In addition, intelligent contracts are added into the chain, and insurance claim settlement programs are automatically triggered according to contract contents, so that automatic money allocation claim is realized, a large number of manual operation links in the traditional insurance claim path are reduced, the claim settlement efficiency is qualitatively improved, and insurance companies are helped to reduce a large number of operation expenses. And the supervision mechanism is added again, so that the qualification of the insurance company can be checked, and the admission threshold of the cochain insurance company is controlled. And finally, encrypting the uplink insurance transaction information to ensure the information security of the personal client.
In order to make the aforementioned and other objects, features and advantages of the invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic diagram of a federation chain constructed in an embodiment of the present invention;
FIG. 2 is a schematic structural diagram of a car insurance underwriting claim system constructed in an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a block chain in the car insurance underwriting claim system constructed in the embodiment of the present invention;
FIG. 4 is a flowchart illustrating a block chain-based insurance claim method for vehicle insurance coverage in an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a block chain-based insurance claim system for car insurance underwriting according to an embodiment of the present invention;
fig. 6 is a flowchart of a block chain-based insurance claim approval method according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In the prior art, as the demand of the public on automobile insurance is more and more, the types of automobile insurance are more and more, and the disputes between customers and insurance companies are more and more. At present, insurance claim clients encounter claims and provide claim documents to be sent to insurance companies, the insurance companies artificially carry out claim settlement according to agreements, and if the claim settlement is not satisfactory to the clients, arbitration can be carried out only by finding a third party. The time is long, the insurance company does not settle the claim normally, and the customer has many disputes.
The block chain adopts the characteristics of decentralization, non-tamper property and the like of the block chain, and ensures the common participation of each node. The block chain has the characteristics of decentralization, time sequence data, programmability, safety and credibility. The external attack is resisted by means of strong calculation force formed by consensus algorithms such as workload certification and the like of each node of the distributed system, the data of the block chain is guaranteed not to be tampered, and the data is guaranteed to be safe and reliable. The alliance chain is between a public chain and a private chain, is jointly initiated by a plurality of mechanisms and has the characteristic of partial decentralization.
Based on this, the inventor of this application with the help of the block chain technique, with insurance product information, the information of insuring, the circulation process, claims settlement information chaining, realize the general flow and catch up with a news, guarantee that the policy is true, customer privacy encryption protection, realize the online automatic claims of insurance with the help of intelligent contract simultaneously, reduce various disputes, promote customer satisfaction greatly.
Specifically, fig. 5 is a schematic structural diagram of a block chain-based insurance claim system, please refer to fig. 5, where the system includes:
and the alliance chain building module 100 is used for building an alliance chain, wherein each organization is added into the alliance chain to serve as a node of the alliance chain, a consensus rule is achieved, and an intelligent vehicle insurance contract is determined, and the organizations comprise banks, insurance companies and insurance monitoring meetings.
In the invention, firstly, a alliance chain is required to be constructed, and the main nodes comprise banks, insurance companies and insurance guidances. Each node needs to be certified by the warranty and supervision agency, and a pair of keys can be issued by the agency joining the alliance chain, so that the preparation threshold of enterprises on the chain is guaranteed. Fig. 1 is a schematic structural diagram of a federation chain constructed in an embodiment of the present invention, as shown in fig. 1, a bank C, an insurance company a, and a security agency are added to nodes serving as platforms in the federation chain.
In one embodiment of the invention, the bank, the insurance company and the insurance monitoring department are used as nodes and added into the alliance chain, and the bank and the insurance company need to achieve mutual identification agreement. The agreement includes application standard and automatic intelligent contract. A pair of keys, including a public key and a private key, is distributed by the federation chain for the joining participating node.
And the policy information encryption module 200 is configured to encrypt policy information and distribute the encrypted policy information to the alliance chain, where the policy information is generated after the user purchases insurance through the bank or the insurance company.
In one embodiment of the invention, a user can purchase insurance online by means of a bank APP or an insurance company APP, then encrypt policy information, write the policy information into online insurance in a chain, and generate insurance records. And after receiving the information, other nodes adopt a PTFT algorithm to carry out consensus verification.
In an embodiment of the present invention, after the policy information is diffused into the federation chain, the system further includes:
the insurance company verification module is used for verifying insurance information after the insurance company decrypts the insurance policy information through the private key, and storing a verification result into the block chain when the insurance company passes the verification;
and the insurance policy management system comprises a insurance policy management module, a private key management module and a block chain management module, wherein the insurance policy management module is used for decrypting the insurance policy information by the private key and then carrying out record verification on the insurance information of the user, and storing the insurance policy information into the block chain after the verification is passed.
That is, in a specific embodiment, the customer purchases insurance online with the aid of the bank APP or the insurance company APP, and then encrypts and writes the policy information into the chain. And performing consensus verification on other organization nodes on the chain. The insurance company uses the private key to decrypt and verify, the verification is passed, and the record is stored in the block chain. The insurance prison uses the private key to decipher, carries on the record verification to the user information, insurance information after decipher, after the verification is passed, stores the record into the block chain.
In one embodiment of the present invention, the system further comprises:
and the vehicle insurance claim settlement module 300 is used for triggering an intelligent contract to settle a claim when receiving a claim settlement application corresponding to the policy information and submitted by the user.
In one embodiment of the invention, the vehicle insurance claim settlement module comprises:
the claim settlement application encryption module is used for encrypting the claim settlement application and broadcasting the encrypted claim settlement application to a block chain when receiving the claim settlement application corresponding to the policy information and submitted by a user;
the intelligent contract triggering module is used for triggering an intelligent contract to carry out claim settlement after the claim settlement application is decrypted by using a private key;
and the claim settlement information encryption module is used for encrypting the claim settlement information and then diffusing the encrypted claim settlement information into the block chain.
In a specific embodiment of the invention, when a client submits an insurance claim application, the claim information is encrypted and then broadcast to the chain, the insurance agency node automatically triggers the claim according to an agreement, and the claim information is encrypted and diffused to the chain after the claim succeeds.
In one embodiment of the present invention, the system further comprises:
the claim settlement state updating module is used for updating the state corresponding to the claim settlement application;
and the node consensus module is used for performing consensus on other nodes on the alliance chain.
In one embodiment of the invention, when a client submits a claim application, an insurance company encrypts the application and writes the application into a chain, an insurance formula is firstly decrypted by using a private key, then an intelligent contract is automatically triggered to carry out claim settlement, then claim settlement information is written into the chain, the state is updated, the claim settlement information is broadcasted in the chain, and other nodes carry out consensus.
In one embodiment of the present invention, the system further comprises:
the viewing information receiving module is used for receiving viewing application information sent by a user;
and the claim settlement state display module is used for displaying the state corresponding to the claim settlement application according to the viewing application information.
That is, all information is saved in the blockchain, and the client can check the state of the application and the state of the claim through the APP. The status includes success of the application, failure of the application, success of the claim, failure of the claim, etc., and arbitration to the insured party if disputed.
First, the protection of the insurance information of the customer is realized through the encryption algorithm, and the insurance information of the customer is ensured not to be leaked. Secondly, by using a block chain technology, the non-tamper-proof property and the automatic repairability of the insurance data are realized, and the authenticity of the insurance policy is ensured. Thirdly, the distributed storage of the blockchain technology ensures the consistency of the account book, and even if the policy operation is faulty or the policy is falsified, the policy of the customer can be inquired on the transaction copies of other nodes. Finally, intelligent contracts based on blockchain technology, while not enabling automation of all insurance reimbursements, can still reduce significant human input and administrative costs in insurance products that can be fully automated.
Furthermore, although in the above detailed description several unit modules of the system are mentioned, this division is not mandatory only. Indeed, the features and functions of two or more of the units described above may be embodied in one unit, according to embodiments of the invention. Also, the features and functions of one unit described above may be further divided into embodiments by a plurality of units. The terms "module" and "unit" used above may be software and/or hardware that realizes a predetermined function. While the modules described in the following embodiments are preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.
Having described the system for block chain based insurance claim of vehicle insurance according to an exemplary embodiment of the present invention, a method according to an exemplary embodiment of the present invention will be described with reference to the accompanying drawings. The implementation of the method can be referred to the above overall implementation, and repeated details are not repeated.
The application in the prior art has the following defects:
1: the application of the product, namely the fish and the dragon, are mixed, and some products relate to false propaganda, so that the claim is difficult, the claim settlement period is long, and the claim settlement is slow.
2: the insurance company is not fully qualified, and may run out, resulting in that the client can not obtain the claim.
3: the insurance company has not strict protection on the information of the client application, which leads to the leakage of the client data.
Aiming at the problems, the invention provides a method for realizing automatic insurance claim settlement based on a block chain technology, which is characterized in that insurance application transaction records are encrypted and written into a chain through one-key insurance application, a bank, an insurance company and a guarantee prison participate in an alliance chain, the processes of establishing, circulating and claiming insurance are monitored in the whole process, in addition, an insurance agreement is packaged into an intelligent contract, the claim settlement process can be automatically triggered, the one-key claim settlement is realized, and the claim settlement efficiency is greatly improved.
Specifically, fig. 6 is a schematic flow chart of a block chain-based insurance claim method for car insurance underwriting, referring to fig. 6, where the method includes:
s101: and constructing a alliance chain, adding each organization into the alliance chain as a node of the alliance chain, achieving consensus rules, and determining intelligent vehicle insurance contracts, wherein the organizations comprise banks, insurance companies and insurance monitoring departments.
In the invention, firstly, a alliance chain is required to be constructed, and the main nodes comprise banks, insurance companies and insurance guidances. Each node needs to be certified by the warranty and supervision agency, and a pair of keys can be issued by the agency joining the alliance chain, so that the preparation threshold of enterprises on the chain is guaranteed. Fig. 1 is a schematic structural diagram of a federation chain constructed in an embodiment of the present invention, as shown in fig. 1, a bank C, an insurance company a, and a security agency are added to nodes serving as platforms in the federation chain.
In one embodiment of the invention, the bank, the insurance company and the insurance monitoring department are used as nodes and added into the alliance chain, and the bank and the insurance company need to achieve mutual identification agreement. The agreement includes application standard and automatic intelligent contract. A pair of keys, including a public key and a private key, is distributed by the federation chain for the joining participating node.
S102: and encrypting policy information and diffusing the policy information to the alliance chain, wherein the policy information is generated after a user purchases insurance through the bank or an insurance company.
In one embodiment of the invention, a user can purchase insurance online by means of a bank APP or an insurance company APP, then encrypt policy information, write the policy information into online insurance in a chain, and generate insurance records. And after receiving the information, other nodes adopt a PTFT algorithm to carry out consensus verification.
In an embodiment of the present invention, after the policy information is diffused into the federation chain, the method further includes:
the insurance company decrypts the insurance policy information through the private key and verifies the insurance information, and when the insurance policy information passes the verification, the insurance policy information stores the verification result into the block chain;
and the insurance policy manager decrypts the insurance policy information through a private key and then records and verifies the insurance information of the user, and stores the insurance policy information into the block chain after the insurance policy information passes verification.
That is, in a specific embodiment, the customer purchases insurance online with the aid of the bank APP or the insurance company APP, and then encrypts and writes the policy information into the chain. And performing consensus verification on other organization nodes on the chain. The insurance company uses the private key to decrypt and verify, the verification is passed, and the record is stored in the block chain. The insurance prison uses the private key to decipher, carries on the record verification to the user information, insurance information after decipher, after the verification is passed, stores the record into the block chain.
In one embodiment of the invention, the method further comprises:
s103: and triggering an intelligent contract to carry out claim settlement when a claim settlement application corresponding to the policy information and submitted by the user is received.
In one embodiment of the invention, the steps include:
when a claim settlement application corresponding to the policy information and submitted by a user is received, the insurance company encrypts the claim settlement application and broadcasts the encrypted claim settlement application to a block chain;
decrypting the claim application by using a private key and triggering an intelligent contract to carry out claim settlement;
and encrypting the claim settlement information and diffusing the encrypted claim settlement information into the block chain.
In a specific embodiment of the invention, when a client submits an insurance claim application, the claim information is encrypted and then broadcast to the chain, the insurance agency node automatically triggers the claim according to an agreement, and the claim information is encrypted and diffused to the chain after the claim succeeds.
In one embodiment of the invention, the method further comprises:
updating the state corresponding to the claim application;
other nodes on the federation chain agree.
In one embodiment of the invention, when a client submits a claim application, an insurance company encrypts the application and writes the application into a chain, an insurance formula is firstly decrypted by using a private key, then an intelligent contract is automatically triggered to carry out claim settlement, then claim settlement information is written into the chain, the state is updated, the claim settlement information is broadcasted in the chain, and other nodes carry out consensus.
In one embodiment of the invention, the method further comprises:
receiving checking application information sent by a user;
and displaying the state corresponding to the claim application according to the viewing application information.
That is, all information is saved in the blockchain, and the client can check the state of the application and the state of the claim through the APP. The status includes success of the application, failure of the application, success of the claim, failure of the claim, etc., and arbitration to the insured party if disputed.
First, the protection of the insurance information of the customer is realized through the encryption algorithm, and the insurance information of the customer is ensured not to be leaked. Secondly, by using a block chain technology, the non-tamper-proof property and the automatic repairability of the insurance data are realized, and the authenticity of the insurance policy is ensured. Thirdly, the distributed storage of the blockchain technology ensures the consistency of the account book, and even if the policy operation is faulty or the policy is falsified, the policy of the customer can be inquired on the transaction copies of other nodes. Finally, intelligent contracts based on blockchain technology, while not enabling automation of all insurance reimbursements, can still reduce significant human input and administrative costs in insurance products that can be fully automated.
The invention also provides computer equipment which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the block chain-based vehicle insurance claim check method.
The invention also provides a computer readable storage medium storing a method for executing a block chain-based vehicle insurance claim.
It should be noted that while the operations of the method of the present invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions. Having described exemplary embodiments of the present invention, a system of exemplary embodiments of the present invention will now be described with reference to the accompanying drawings. The implementation of the system can be referred to the above overall implementation, and repeated details are not repeated.
The technical solution of the present invention will be described in detail with reference to specific examples.
Fig. 2 is a schematic structural diagram of a car insurance underwriting claim block chain constructed in an embodiment of the present invention, please refer to fig. 2, in which:
firstly, enterprises such as alliance chains, banks, insurance companies, insurance guilds and the like need to be built to access the alliance chains according to agreements, all parties need to reach the agreements and follow the contracts together. The insurance party performs qualification verification on the insurance company, and the insurance company issues the secret key through verification.
The client purchases insurance online by means of a bank APP or an insurance company APP, and then encrypts policy information and writes the information into a chain. And performing consensus verification on other organization nodes on the chain. The insurance company uses the private key to decrypt and verify, the verification is passed, and the record is stored in the block chain. The insurance prison uses the private key to decipher, carries on the record verification to the user information, insurance information after decipher, after the verification is passed, stores the record into the block chain.
When a client submits a claim settlement application, an insurance company encrypts and writes the application into a chain, an insurance formula is decrypted by using a private key firstly, then an intelligent contract is automatically triggered to settle the claim, then claim settlement information is written into the chain, the state is updated, the claim settlement information is broadcasted in the chain, and other nodes perform consensus.
The client can check the insurance state and the claim settlement state through the APP terminal.
In a specific embodiment, a fault-tolerant algorithm PBFT (a practical byzantine fault-tolerant system) is commonly used by the federation chain.
The failed node is called a Byzantine node, and the normal node is a non-Byzantine node. A consensus was reached that 3f +1< ═ n was satisfied. F is the number of failed nodes. Suppose that the F node is both a failed node and a rogue node. Then the consensus is achieved only by one more node than the failed node, i.e. F +1+ F < ═ N, F (maximum number of fault tolerant nodes) N-1/2. Assume that the failed node and the rogue node are not one. If F fault nodes are assumed, F serve as rogue nodes, when the rogue nodes are found, the rogue nodes are removed by the cluster, the F fault nodes are remained, and the consensus is one more than that of the fault nodes, namely F +1+ F + F < ═ N. And F is N-1/3.
The basic flow of the algorithm is as follows:
the client sends a request to the main node;
the master node broadcasts a request to other slave nodes, and the nodes execute a three-stage consensus process of the pbft algorithm.
After the node finishes the three-stage process, the node returns a message to the client.
After the client receives the same messages from f +1 nodes, the consensus is completely finished.
The three-stage flow of the algorithm core is a Pre-stage, a prepare stage and a commit stage. pre-prefix: receiving or rejecting information broadcast by a master node. After the prefix agrees from the node, the prefix information is sent to other nodes, and the nodes send the prefix information at the same time, so that the prefix information of different nodes exceeding 2F represents that the prefix stage is completed. And a Commit stage: and when 2f +1 commit messages are received, the majority of nodes enter a commit stage, consensus is achieved at the stage, and then the nodes execute the request and write data.
Fig. 3 is a schematic structural diagram of a car insurance underwriting claim system constructed in an embodiment of the present invention, and please refer to fig. 3, in which the system includes a block chain service layer and a block chain layer in this embodiment. The block chain business layer mainly comprises two modules, namely a block chain management module and a block chain insurance module, wherein the block chain management module mainly provides block chain role information maintenance and block chain role information inquiry, and the block chain insurance module provides insurance application, privacy protection, claim, state inquiry and other functions through APP online application. The blockchain layer includes blockchain interface services, blockchain intelligence contracts, and blockchain network nodes.
Fig. 4 is a schematic flow chart of a block chain-based insurance claim method for car insurance, referring to fig. 4, in an embodiment of the present invention, the method includes:
s1: firstly, a alliance chain, a bank, an insurance agency and a security and supervision party are established to determine a consensus rule and an intelligent contract, and a node is selected for access. The specific implementation process is as follows:
1.1, taking a bank, an insurance company and a security prison as nodes and adding the nodes into a alliance chain;
1.2 banks and insurance companies need to reach mutual identification agreements, wherein the agreements include insurance specifications and automatic claim intelligent contracts.
1.3 a pair of keys, including a public key and a private key, is distributed by the federation chain for the joining participating node.
S2: the client applies insurance online according to personal needs at the front end APP, and online insurance transaction records are generated.
S3: and encrypting and linking the online insurance transaction information, and broadcasting the transaction information in the chain.
S4: and the insurance company node receives the insurance application transaction information, decrypts the private key, verifies the insurance policy information, and broadcasts the verification result to the chain after the insurance policy information passes the verification.
S5: the insurance supervision node receives the insurance application transaction information, decrypts the private key, verifies the insurance application information, and broadcasts the verification result to the chain after the insurance application information passes the verification.
In a specific embodiment, after receiving the information, the node performs consensus verification by using a PTFT algorithm.
S6: the client submits a claim application, the insurance company triggers an automatic claim contract to claim according to the agreement, and the claim information is broadcast to the chain after success.
S7: the client can automatically check the application state at the APP terminal. The status includes success of the application, failure of the application, success of the claim, failure of the claim, etc., and arbitration to the insured party if disputed.
In summary, the invention provides a block chain-based vehicle insurance underwriting claim method, a block chain-based vehicle insurance underwriting claim system, computer equipment and a computer-readable storage medium, by building a alliance chain, and linking insurance product information, insurance information, circulation process and claim settlement information by means of a block chain technology, the whole process of pursuing is realized, data is publicly and transparently distributed among transaction parties, and an insurance company, a supervision department and consumers are shared to form a complete information flow. In addition, intelligent contracts are added into the chain, and insurance claim settlement programs are automatically triggered according to contract contents, so that automatic money allocation claim is realized, a large number of manual operation links in the traditional insurance claim path are reduced, the claim settlement efficiency is qualitatively improved, and insurance companies are helped to reduce a large number of operation expenses. And the supervision mechanism is added again, so that the qualification of the insurance company can be checked, and the admission threshold of the cochain insurance company is controlled. And finally, encrypting the uplink insurance transaction information to ensure the information security of the personal client.
The invention has the advantages that:
1. the alliance link technology is adopted to realize the verification of online insurance, ensure the authenticity and the non-tamper property of the data and stop multiple claims of the policy.
2: by adopting the intelligent contract technology, automatic claims can be realized, more materials do not need to be submitted, and the cost of manual examination is saved.
3: the insurance policy information is linked up, all processes are carried out on line, the client information is encrypted, the whole process of the insurance supervision is supervised, the multi-party communication coordination cost is avoided, one-key insurance application and claim settlement service is realized, and the client experience and the work efficiency are improved.
Improvements to a technology can clearly be distinguished between hardware improvements (e.g. improvements to the circuit structure of diodes, transistors, switches, etc.) and software improvements (improvements to the process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit.
Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhde (Hardware Description Language), and vhe-Language, which are currently used in most popular applications.
It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory.
Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of software products, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and include instructions for causing a computer system (which may be a personal computer, a server, or a network system, etc.) to execute the methods described in the embodiments or some parts of the embodiments of the present application.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The application is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable systems, tablet-type systems, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics systems, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or systems, and the like.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing systems that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage systems.
While the present application has been described with examples, those skilled in the art will appreciate that there are numerous variations and permutations of the present application without departing from the spirit of the application, and it is intended that the appended claims encompass such variations and modifications as fall within the true spirit of the application.
Claims (14)
1. A block chain-based vehicle insurance claim method is characterized by comprising the following steps:
building a alliance chain, wherein each organization is added into the alliance chain to serve as a node of the alliance chain, achieves a consensus rule and determines an intelligent vehicle insurance contract, and the organizations comprise banks, insurance companies and insurance monitoring meetings;
encrypting policy information and diffusing the policy information to the alliance chain, wherein the policy information is generated after a user purchases insurance through the bank or an insurance company;
and triggering an intelligent contract to carry out claim settlement when a claim settlement application corresponding to the policy information and submitted by the user is received.
2. The method of claim 1, wherein the federation chain assigns a public key and a private key to the joining node.
3. The method of claim 2, wherein after the policy information is disseminated to the federation chain, the method further comprises:
the insurance company decrypts the insurance policy information through the private key and verifies the insurance information, and when the insurance policy information passes the verification, the insurance policy information stores the verification result into the block chain;
and the insurance policy manager decrypts the insurance policy information through a private key and then records and verifies the insurance information of the user, and stores the insurance policy information into the block chain after the insurance policy information passes verification.
4. The method of claim 3, wherein triggering an intelligent contract to claim when a claim settlement application corresponding to the policy information submitted by a user is received comprises:
when a claim settlement application corresponding to the policy information and submitted by a user is received, the insurance company encrypts the claim settlement application and broadcasts the encrypted claim settlement application to a block chain;
decrypting the claim application by using a private key and triggering an intelligent contract to carry out claim settlement;
and encrypting the claim settlement information and diffusing the encrypted claim settlement information into the block chain.
5. The method of claim 4, further comprising:
updating the state corresponding to the claim application;
other nodes on the federation chain agree.
6. The method of claim 5, further comprising:
receiving checking application information sent by a user;
and displaying the state corresponding to the claim application according to the viewing application information.
7. A block chain based vehicle insurance underwriting claim system, the system comprising:
the alliance chain building module is used for building an alliance chain, each organization is added into the alliance chain to serve as a node of the alliance chain, a consensus rule is achieved, and an intelligent vehicle insurance contract is determined, wherein the organizations comprise banks, insurance companies and insurance monitoring meetings;
the insurance policy information encryption module is used for encrypting the insurance policy information and diffusing the encrypted insurance policy information to the alliance chain, wherein the insurance policy information is generated after a user purchases insurance through the bank or an insurance company;
and the vehicle insurance claim settlement module is used for triggering an intelligent contract to carry out claim settlement when a claim settlement application corresponding to the policy information and submitted by the user is received.
8. The system of claim 7, wherein the federation chain assigns a public key and a private key to the joining node.
9. The system of claim 8, wherein after the policy information is disseminated to the federation chain, the system further comprises:
the insurance company verification module is used for verifying insurance information after the insurance company decrypts the insurance policy information through the private key, and storing a verification result into the block chain when the insurance company passes the verification;
and the insurance policy management system comprises a insurance policy management module, a private key management module and a block chain management module, wherein the insurance policy management module is used for decrypting the insurance policy information by the private key and then carrying out record verification on the insurance information of the user, and storing the insurance policy information into the block chain after the verification is passed.
10. The system of claim 9, wherein the car insurance claims module comprises:
the claim settlement application encryption module is used for encrypting the claim settlement application and broadcasting the encrypted claim settlement application to a block chain when receiving the claim settlement application corresponding to the policy information and submitted by a user;
the intelligent contract triggering module is used for triggering an intelligent contract to carry out claim settlement after the claim settlement application is decrypted by using a private key;
and the claim settlement information encryption module is used for encrypting the claim settlement information and then diffusing the encrypted claim settlement information into the block chain.
11. The system of claim 10, further comprising:
the claim settlement state updating module is used for updating the state corresponding to the claim settlement application;
and the node consensus module is used for performing consensus on other nodes on the alliance chain.
12. The system of claim 11, further comprising:
the viewing information receiving module is used for receiving viewing application information sent by a user;
and the claim settlement state display module is used for displaying the state corresponding to the claim settlement application according to the viewing application information.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the block chain based claims method for car insurance underwriting of any one of claims 1 to 6.
14. A computer-readable storage medium storing a method for performing a block chain-based vehicle insurance claim of any one of claims 1 to 6.
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