CN112561528B

CN112561528B - Bill value circulation system and method based on blockchain technology

Info

Publication number: CN112561528B
Application number: CN202011493912.9A
Authority: CN
Inventors: 黄国良; 刘炜; 张翼; 黄盛鼎
Original assignee: Shenzhen Great China Blockchain Technology Co ltd
Current assignee: Shenzhen Great China Blockchain Technology Co ltd
Priority date: 2020-12-16
Filing date: 2020-12-16
Publication date: 2023-08-15
Anticipated expiration: 2040-12-16
Also published as: CN112561528A

Abstract

The invention discloses a policy value circulation system based on a blockchain technology, which comprises an account creation module for creating a user account; the insurance subscription module acquires and transmits user subscription insurance information; the policy content module acquires the detail content of the policy, generates an electronic file for digital signature, sends the electronic file to a distributed network, and sends a verification request to a supervision mechanism; the file interpretation module interprets the electronic file to obtain and send a target policy electronic file; the method comprises the steps that a review module obtains review information; the policy validation module completes policy validation; the transfer request module acquires and sends a policy transfer request to the transaction platform; the policy freezing module acquires policy freezing information; the policy inquiry module inquires and sends policy information; the policy transfer module transfers the policy holding right of the policy to the subscriber. The invention also discloses a policy value circulation method based on the blockchain technology. The invention can ensure benign policy value conversion circulation and reduce policy value loss.

Description

Bill value circulation system and method based on blockchain technology

Technical Field

The invention relates to the technical field of blockchain, in particular to a policy value circulation system and method based on a blockchain technology.

Background

The guarantee products are generally provided with a cash supply period, such as life and funds, and the insurance policies provided with the cash supply period all have future redemption values promised by insurance companies. After paying the insurance fee of different years, the insurance company gives the underwriter a reporting table divided by years to the underwriter about the specific date of different years in the future, so that the holder of the insurance policy can redeem the relevant insurance policy value to the insurance company according to different insurance years, or the insurance policy can be returned to retrieve the cash value of the current year, which includes the guaranteed value and the non-guaranteed value (i.e. the investment income hook of the institution to which the purchased product belongs) or the market value at the time of the fund unit. For hundreds of years, the owner of the policy equity can only redeem the policy through the insurance company itself or give the policy to the bank to give the elementary substance to give the loan, but the mortgage operation takes a lot of days, the general user needs to physically go to the insurance company or the bank to take the original copy of the policy and the identity certificate, and the user can only lend out part but not all of the cash value at that time, and the future value of the policy and the market value (including but not limited to the life compensation of the insured person, the cash value of the future years, and the like) outside the insurance company are completely ignored.

Life reimbursement means that the insurance company will manage a guarantee amount and settle the investment benefits of the policy for the policy beneficiary; the cash value of the future years represents that the price of the policy will increase in the future and far more than the cash value of the present. This is because the policy generally relates to the value of the return or refund in the supply period and in different years in the future, which have a large amount of space for variation. However, in the current method of insurance development, these values cannot be fully exerted.

For those who purchase policy, if they are faced with a forthcoming financial need, perhaps they are redeeming the policy to the insurance company at a very low value or discontinuing the supply of money, resulting in a substantial portion of the policy value being lost or zeroed; or give the insurance policy mortgage to the bank with high interest or borrow the insurance policy value money to the insurance company-otherwise there is no space for the insurance policy value to move. For global markets, the policy value circulation contains extremely high market value, but because the policies of the insurance companies have no unified specification, and a system constructed by highly trusted components is not provided for the policy value circulation transaction, a lot of value losses are caused.

Disclosure of Invention

In order to overcome the above problems or at least partially solve the above problems, embodiments of the present invention provide a system and a method for circulation of policy values based on a blockchain technology, which are capable of linking the contents of policies of insurance companies in a informationized manner, guaranteeing benign value conversion circulation of policies, and reducing loss of policy values.

Embodiments of the present invention are implemented as follows:

in a first aspect, an embodiment of the present invention provides a policy value circulation system based on a blockchain technology, including an account creation module, an insurance subscription module, a policy content module, a file interpretation module, an examination module, a policy right assurance module, a transfer request module, a policy freezing module, a policy query module, and a policy transfer module, where:

the account creation module is used for acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises an insurance company, a supervision organization, a policy holder and an investment organization;

the insurance subscription module is used for acquiring and sending user subscription insurance information to an insurance company;

the insurance policy content module is used for acquiring insurance policy detail content sent by an insurance company, generating an electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, sending the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and sending a verification request to a supervision mechanism;

The file interpretation module is used for acquiring a public key in a key pair of an insurance company and interpreting the electronic file in the verification request through the public key so as to obtain and send a target policy electronic file to a supervision organization;

the system comprises a checking module, a block chain-based P2P technology and a distributed network node, wherein the checking module is used for acquiring checking information of a supervision mechanism, and acquiring a private key in a key pair of the supervision mechanism according to the checking information to digitally sign a target policy electronic file and send the digital signature to the distributed network node of the block chain-based P2P technology;

the policy ensuring module is used for acquiring personal information of the policy holder, acquiring a hash value of the personal information through hash calculation, searching an electronic file of a corresponding policy in a distributed network based on a P2P technology of a blockchain through the hash value, and carrying out digital signature on the electronic file of the policy according to a private key in a key pair of the policy holder to finish policy authority confirmation;

the transfer request module is used for acquiring and sending a policy transfer request of a policy holder to the transaction platform, and generating and sending an intelligent contract;

the policy freezing module is used for acquiring and sending order information of the transaction platform to the insurance company and acquiring policy freezing information of the insurance company;

The insurance policy inquiring module is used for acquiring the information and payment information of the subscriber sent by the investment institution, setting index standards, inquiring and sending corresponding insurance policy information according to the index standards;

and the policy transfer module is used for acquiring the digital signature information of the subscriber, and transferring the policy holding right of the corresponding policy to the subscriber to finish the policy transfer.

When each user logs in the system for the first time, acquiring initial login information of the user through an account creation module, prompting the user to create an account, creating a user account for the user by using BIP39 mnemonics, and creating a key pair and an address for the user; the initial login information includes a user login request, user identity information, and the like. Before the secret key is stored, the system prompts the user to input a string of random characters as a private key, the private key is encrypted by combining the symmetric encryption algorithm AES, and the encrypted private key is stored in a local browser of the user; and binding the mobile phone number of the user with the address of the user through the email address and the email verification code provided by the user. The users include insurance companies, regulatory authorities, policy holders and investment institutions, and a unique account is created for each user according to different users. Acquiring and transmitting user subscription insurance information to an insurance company through an insurance subscription module, writing each detail of an insurance policy into an electronic file in a classified form after the insurance company receives consumer subscription insurance, acquiring the detail content of the insurance policy transmitted by the insurance company through an insurance policy content module, generating the electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, transmitting the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and transmitting a verification request to a supervision mechanism; the electronic file arranges the benefits and the guarantee rules of the policy in order, key private data are encrypted by an elliptic curve encryption algorithm in combination with personal identity information of a policy holder, all the information is marked by hash of a calculation result, an insurance company uses a private key to carry out digital signature on the file of the policy through a client, after the digital signature is finished, the file is sent to a P2P-based distributed network and a verification request is sent to a supervision and verification mechanism, and the supervision and verification of the policy are carried out through the supervision and verification mechanism. After receiving the request of the insurance company, the supervision organization obtains the public key in the key pair of the insurance company through the file interpretation module and interprets the electronic file in the verification request through the public key so as to obtain and send the target policy electronic file to the supervision organization, after confirming that the file can be interpreted by the public key of the insurance company, the supervision organization examines the file content, namely whether the policy details and the terms are in compliance or not, obtains the examination information of the supervision organization through the examination module, obtains the private key in the key pair of the supervision organization according to the examination information, digitally signs the target policy electronic file and sends the target policy electronic file to the distributed network node of the P2P technology based on the blockchain, so that the file can be stored in a distributed mode and safely, and waits for the policy holder to get. After creating the account, the policy holder uses the personal data to calculate the hash, and the hash value can find the relative policy in the P2P distributed network. The personal information of the policy holder is obtained through the policy ensuring module, the hash value of the personal information is obtained through hash calculation, the electronic file of the corresponding policy in the distributed network based on the P2P technology of the blockchain is searched through the hash value, the digital signature is carried out on the electronic file of the policy according to the private key in the key pair of the policy holder, the policy holder sends the digital signature on the hashed policy by using the personal private key, once the signature is completed, the policy is transferred to the authority of the policy holder, and the policy authority confirmation is completed. When the policy holder wants to transfer the policy holding right owned by the policy holder, acquiring and sending a policy transfer request of the policy holder to a transaction platform through a transfer request module, and generating and sending an intelligent contract, wherein the intelligent contract comprises information such as price, time of hanging a policy, contents of the policy, buying and selling conditions and the like; once an order is generated, the transaction system temporarily freezes the insurance policy by sending information to the insurance company, acquires and sends the order information of the transaction platform to the insurance company through the insurance policy freezing module, and acquires the insurance policy freezing information of the insurance company; and then, the professional investment organization verifies the platform as a qualified subscriber, acquires the information and payment information of the subscriber sent by the investment organization through a policy inquiry module, sets an index standard, inquires and sends corresponding policy information according to the index standard, and once the proper policy is found, the subscriber directly carries out digital signature payment, acquires the digital signature information of the subscriber through a policy transfer module, transfers the policy holding right of the corresponding policy to the subscriber, completes policy transfer and transfers the corresponding policy holding right to the subscriber.

The system links the insurance policy content of the insurance company in an informationized way, and the insurance bureau is used as a monitoring node, so that the content of the insurance policy can be checked at any time; the related insurance policy holder can carry out the hanging transfer of the insurance policy according to the price ordered by the insurance policy holder per se, and the professional finance and investment institution can purchase the policy which is urgent for the circulation of the market and is changed by professional analysis bid, so that the economic requirement of the insurance policy holder is met, the whole transaction is carried out on the chain, the insurance policy content is transparent, the identity of the holder is kept secret, the benign insurance policy value conversion is ensured, and the insurance policy value loss is reduced.

Based on the first aspect, in some embodiments of the present invention, the policy content module includes a content sub-module, an encryption sub-module, and a signature sub-module, wherein:

the content sub-module is used for acquiring the detailed content of the insurance policy sent by the insurance company, generating and sending an electronic file of the insurance policy;

the encryption sub-module is used for extracting key private data in the electronic file and identity information of the policy holder, encrypting the key private data and the identity information by adopting an elliptic curve encryption algorithm to generate encryption information, carrying out hash calculation on the encryption information to obtain and send a hash value of the encryption information;

and the signature sub-module is used for acquiring a private key in a key pair of an insurance company to digitally sign the electronic file, transmitting the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and transmitting a verification request to a supervision organization.

Based on the first aspect, in some embodiments of the present invention, the above-mentioned inspection module includes an information acquisition sub-module and a compliance determination sub-module, wherein:

the information acquisition sub-module is used for acquiring and transmitting the examination information of the supervision mechanism;

the compliance judging sub-module is used for judging whether the file content in the target policy electronic file is compliant according to compliance confirmation information in the examination information, if so, acquiring a private key in a key pair of a supervision mechanism according to the examination information, digitally signing the target electronic file and transmitting the digital signature to a distributed network of a P2P technology based on a blockchain; if not, generating and sending out-of-compliance prompt information.

Based on the first aspect, in some embodiments of the present invention, the transfer request module includes a request sending sub-module, a payment approval sub-module, and an intelligent contract sub-module, wherein:

the request sending sub-module is used for acquiring and sending a policy transfer request of a policy holder to the transaction platform;

the payment verification sub-module is used for acquiring and sending a payment verification of the policy holder to the transaction platform;

and the intelligent contract sub-module is used for setting the insurance policy buying and selling conditions, generating and transmitting intelligent contracts according to the insurance policy buying and selling conditions, the insurance policy transfer request of the insurance policy holder and the payment passing certificate.

Based on the first aspect, in some embodiments of the present invention, the policy value circulation system based on the blockchain technology further includes a time module and a judgment module, wherein:

the time module is used for acquiring time limit data in the intelligent contract;

the judging module is used for judging whether order information is acquired in a time limit, if so, acquiring and transmitting the order information of the transaction platform to an insurance company, and acquiring policy freezing information of the insurance company; if not, generating and transmitting transfer failure information, and canceling the policy transfer.

In a second aspect, an embodiment of the present invention provides a method for circulation of policy value based on a blockchain technique, including the following steps:

acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises an insurance company, a supervision organization, a policy holder and an investment organization;

acquiring and transmitting user subscription insurance information to an insurance company;

acquiring the detail content of a policy sent by an insurance company, generating an electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, sending the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and sending a verification request to a supervision organization;

Acquiring a public key of a key pair of an insurance company, and reading an electronic file in a verification request through the public key to obtain and send a target insurance policy electronic file to a supervision organization;

acquiring examination information of a supervision organization, and acquiring a private key in a key pair of the supervision organization according to the examination information to digitally sign a target policy electronic file and send the target policy electronic file to a distributed network node of a P2P technology based on a blockchain;

acquiring personal information of a policy holder, acquiring a hash value of the personal information through hash calculation, searching an electronic file of a corresponding policy in a distributed network based on a P2P technology of a blockchain through the hash value, and carrying out digital signature on the electronic file of the policy according to a private key in a key pair of the policy holder to finish policy authority confirmation;

acquiring and transmitting a policy transfer request of a policy holder to a transaction platform, and generating and transmitting an intelligent contract;

acquiring and transmitting order information of a transaction platform to an insurance company, and acquiring policy freezing information of the insurance company;

acquiring information and payment information of a subscriber sent by an investment institution, setting an index standard, and inquiring and sending corresponding policy information according to the index standard;

And acquiring digital signature information of the subscriber, and transferring the policy holding right of the corresponding policy to the subscriber to finish the policy transfer.

When each user logs in the system for the first time, firstly acquiring initial login information of the user, prompting the user to create an account, creating the user account for the user by using BIP39 mnemonics, and creating a key pair and an address for the user; the initial login information includes a user login request, user identity information, and the like. Before the secret key is stored, the system prompts the user to input a string of random characters as a private key, the private key is encrypted by combining the symmetric encryption algorithm AES, and the encrypted private key is stored in a local browser of the user; and binding the mobile phone number of the user with the address of the user through the email address and the email verification code provided by the user. The users include insurance companies, regulatory authorities, policy holders and investment institutions, and a unique account is created for each user according to different users. Then, acquiring and transmitting user subscription insurance information to an insurance company, after the insurance company receives consumer subscription insurance, writing each detail of an insurance policy into an electronic file in a classified form, acquiring the detail content of the insurance policy transmitted by the insurance company, generating the electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, transmitting the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and transmitting a verification request to a supervision mechanism; the electronic file arranges the benefits and the guarantee rules of the policy in order, key private data are encrypted by an elliptic curve encryption algorithm in combination with personal identity information of a policy holder, all the information is marked by hash of a calculation result, an insurance company uses a private key to carry out digital signature on the file of the policy through a client, after the digital signature is finished, the file is sent to a P2P-based distributed network and a verification request is sent to a supervision and verification mechanism, and the supervision and verification of the policy are carried out through the supervision and verification mechanism. After receiving the request of the insurance company, the supervision organization obtains the public key of the key pair of the insurance company and interprets the electronic file in the verification request through the public key, so as to obtain and send the target policy electronic file to the supervision organization, after confirming that the file can be interpreted by the public key of the insurance company, the supervision organization examines the file content, namely whether the policy details and the terms are compliant, obtains the examination information of the supervision organization, obtains the private key of the key pair of the supervision organization according to the examination information, digitally signs the target policy electronic file and sends the target policy electronic file to the distributed network node of the P2P technology based on the blockchain, so that the file can be stored in a distributed mode safely and waits for a policy holder to get. After creating the account, the policy holder uses the personal data to calculate the hash, and the hash value can find the relative policy in the P2P distributed network. The personal information of the policy holder is obtained, the hash value of the personal information is obtained through hash calculation, the electronic file of the corresponding policy in the distributed network based on the P2P technology of the blockchain is searched through the hash value, the digital signature is carried out on the electronic file of the policy according to the private key in the key pair of the policy holder, the policy holder sends the digital signature on the hashed policy by using the personal private key, once the signature is completed, the policy is transferred to the authority of the policy holder, and the policy authority confirmation is completed. When the policy holder wants to transfer the policy holding right owned by the policy holder, acquiring and sending a policy transfer request of the policy holder to a transaction platform, and generating and sending an intelligent contract, wherein the intelligent contract comprises information such as price, time of hanging a policy, policy content, buying and selling conditions and the like; once an order is generated, the transaction system temporarily freezes the insurance policy by sending information to the insurance company, obtains and sends the order information of the transaction platform to the insurance company, and obtains the insurance policy freezing information of the insurance company; and then, the professional investment organization verifies the platform as a qualified subscriber, acquires the information and payment information of the subscriber sent by the investment organization, sets an index standard, inquires and sends corresponding policy information according to the index standard, and once a proper policy is found, the subscriber directly carries out digital signature payment, acquires the digital signature information of the subscriber, transfers the policy holding right of the corresponding policy to the subscriber, completes policy transfer and transfers the corresponding policy holding right to the subscriber.

The method has the advantages that the insurance company insurance policy content is informationized and is uplink, and the insurance bureau is used as a monitoring node, so that the content of the insurance policy can be checked at any time; the related insurance policy holder can carry out the hanging transfer of the insurance policy according to the price ordered by the insurance policy holder per se, and the professional finance and investment institution can purchase the policy which is urgent for the circulation of the market and is changed by professional analysis bid, so that the economic requirement of the insurance policy holder is met, the whole transaction is carried out on the chain, the insurance policy content is transparent, the identity of the holder is kept secret, the benign insurance policy value conversion is ensured, and the insurance policy value loss is reduced.

Based on the second aspect, in some embodiments of the present invention, the method for obtaining the details of the policy sent by the insurance company, generating an electronic file, digitally signing the electronic file by a private key in a key pair of the insurance company, and sending the digitally signed electronic file to a distributed network of a blockchain-based P2P technology, and sending a verification request to a regulatory agency includes the following steps:

acquiring the detail content of an insurance policy sent by an insurance company, and generating and sending an electronic file of the insurance policy;

extracting key private data and identity information of a policy holder in an electronic file, encrypting the key private data and the identity information by adopting an elliptic curve encryption algorithm to generate encryption information, carrying out hash calculation on the encryption information to obtain and send a hash value of the encryption information;

The private key in the key pair of the insurance company is obtained to carry out digital signature on the electronic file, the electronic file after the digital signature is sent to a distributed network based on the P2P technology of the blockchain, and a verification request is sent to a supervision organization.

Based on the second aspect, in some embodiments of the present invention, the method for obtaining the censoring information of the regulatory agency, and obtaining the private key in the key pair of the regulatory agency according to the censoring information to digitally sign the target electronic file and send the digitally signed target electronic file to the distributed network of the blockchain-based P2P technology includes the following steps:

acquiring and transmitting inspection information of a supervision mechanism;

judging whether the file content in the target policy electronic file is compliant according to the compliance confirmation information in the examination information, if so, acquiring a private key in a key pair of a supervision mechanism according to the examination information, digitally signing the target electronic file, and transmitting the digital signature to a distributed network of a P2P technology based on a blockchain; if not, generating and sending out-of-compliance prompt information.

Based on the second aspect, in some embodiments of the present invention, the method for acquiring and sending the policy transfer request of the policy holder to the transaction platform, and generating and sending the smart contract includes the following steps:

Acquiring and sending a policy transfer request of a policy holder to a transaction platform;

acquiring and sending a payment card of a policy holder to a transaction platform;

setting the conditions of buying and selling the insurance policy, and generating and transmitting an intelligent contract according to the conditions of buying and selling the insurance policy, the insurance policy transfer request of the insurance policy holder and the payment pass.

Based on the second aspect, in some embodiments of the present invention, the method for policy value circulation based on the blockchain technology further includes the following steps:

acquiring time limit data in an intelligent contract;

judging whether order information is acquired within a time limit, if so, acquiring and transmitting the order information of the transaction platform to an insurance company, and acquiring policy freezing information of the insurance company; if not, generating and transmitting transfer failure information, and canceling the policy transfer.

The embodiment of the invention has at least the following advantages or beneficial effects:

the embodiment of the invention provides a policy and value circulation system based on a blockchain technology, wherein when each user logs in the system for the first time, initial login information of the user is obtained through an account creation module, a user account is created for the user, and a key pair and an address are created for the user; the users include insurance companies, regulatory authorities, policy holders and investment institutions, and a unique account is created for each user according to different users. And acquiring and transmitting user subscription insurance information to an insurance company through an insurance subscription module, acquiring insurance policy detail content transmitted by the insurance company through an insurance policy content module, generating an electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, transmitting the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and transmitting a verification request to a supervision mechanism. And acquiring a public key in a key pair of an insurance company through a file interpretation module, interpreting an electronic file in a verification request through the public key to obtain and send a target policy electronic file to a supervision organization, acquiring examination information of the supervision organization through an examination module, and acquiring a private key in the key pair of the supervision organization according to the examination information to digitally sign the target policy electronic file and send the digital signature to a distributed network node of a P2P technology based on a blockchain. The personal information of the policy holder is obtained through the policy ensuring module, the hash value of the personal information is obtained through hash calculation, the electronic file of the corresponding policy in the distributed network based on the P2P technology of the blockchain is searched through the hash value, the digital signature is carried out on the electronic file of the policy according to the private key in the key pair of the policy holder, and once the signature is completed, the policy is transferred to the authority of the policy holder. When the policy holder wants to transfer the policy holding right owned by the policy holder, acquiring and sending a policy transfer request of the policy holder to a transaction platform through a transfer request module, and generating and sending an intelligent contract; once the order is generated, the transaction system will send information to the insurance company to temporarily freeze the policy; and then, acquiring the information and payment information of the subscriber sent by the investment institution through a policy inquiry module, setting an index standard, inquiring and sending corresponding policy information according to the index standard, once a proper policy is found, directly entering a digital signature for payment by the subscriber, acquiring the digital signature information of the subscriber through a policy transfer module, transferring the policy holding right of the corresponding policy to the subscriber, completing policy transfer, and transferring the corresponding policy holding right to the subscriber.

The embodiment of the invention also provides a policy value circulation method based on the blockchain technology, wherein when each user logs in the system for the first time, a user account is created for the user, and a key pair and an address are created for the user. And then, acquiring and transmitting user subscription insurance information to an insurance company, acquiring the detail content of an insurance policy transmitted by the insurance company, generating an electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, transmitting the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and transmitting a verification request to a supervision mechanism. After receiving the request of the insurance company, the supervision organization obtains the public key of the key pair of the insurance company and interprets the electronic file in the verification request through the public key, so as to obtain and send a target policy electronic file to the supervision organization, after confirming that the file can be interpreted by the public key of the insurance company, the supervision organization examines whether the file content, namely the policy details and terms, are compliant, obtains the examination information of the supervision organization, obtains the private key of the key pair of the supervision organization according to the examination information, digitally signs the target policy electronic file and sends the target policy electronic file to the distributed network node of the P2P technology based on the blockchain. After creating an account number, the policy holder acquires personal information of the policy holder, acquires a hash value of the personal information through hash calculation, searches an electronic file of a corresponding policy in a distributed network based on a P2P technology of a blockchain through the hash value, digitally signs the electronic file of the policy according to a private key in a key pair of the policy holder, sends a digital signature on the hashed policy by using the personal private key, and once signature is completed, the policy is transferred to the authority of the policy holder to complete policy authority confirmation. When the policy holder wants to transfer the policy holding right owned by the policy holder, acquiring and sending a policy transfer request of the policy holder to a transaction platform, generating and sending an intelligent contract, once an order is generated, temporarily freezing the policy by a transaction system from an information sending party to an insurance company, acquiring and sending order information of the transaction platform to the insurance company, and acquiring policy freezing information of the insurance company; and then, acquiring the information and payment information of the subscriber sent by the investment institution, setting an index standard, inquiring and sending corresponding insurance policy information according to the index standard, once a proper insurance policy is found, directly carrying out name digital signature payment by the subscriber, acquiring digital signature information of the subscriber, transferring the insurance policy holding right of the corresponding insurance policy to the subscriber, completing insurance policy transfer, and transferring the corresponding insurance policy holding right to the subscriber.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic block diagram of a system for policy and value distribution based on blockchain technology in accordance with an embodiment of the present invention;

FIG. 2 is a flowchart of a method for policy value distribution based on a blockchain technique according to an embodiment of the present invention.

Icon: 100. an account creation module; 200. an insurance subscription module; 300. a policy content module; 310. a content sub-module; 320. an encryption sub-module; 330. a signature sub-module; 400. a file interpretation module; 500. an inspection module; 510. obtaining a sub-module; 520. a compliance judging sub-module; 600. a policy validation module; 700. a transfer request module; 710. a request sending sub-module; 720. a payment verification sub-module; 730. an intelligent contract sub-module; 800. a policy freezing module; 900. a policy inquiry module; 1000. a policy transfer module; 1100. a time module; 1200. and a judging module.

Description of the embodiments

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments of the present invention. The components of the embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.

Thus, the following detailed description of the embodiments of the invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further definition or explanation thereof is necessary in the following figures.

It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

Examples

As shown in fig. 1, in a first aspect, an embodiment of the present invention provides a policy value circulation system based on a blockchain technology, which includes an account creation module 100, an insurance subscription module 200, a policy content module 300, a file interpretation module 400, an examination module 500, a policy validation module 600, a transfer request module 700, a policy freezing module 800, a policy query module 900, and a policy transfer module 1000, wherein:

the account creation module 100 is configured to obtain initial login information of a user, create a user account, and create a key pair and a user address for the user, where the user includes an insurance company, a regulatory agency, a policy holder, and an investment agency;

the insurance subscription module 200 is configured to acquire and send user subscription insurance information to an insurance company;

the policy content module 300 is configured to obtain the policy details sent by the insurance company, generate an electronic file, digitally sign the electronic file by using a private key in a key pair of the insurance company, send the digitally signed electronic file to a distributed network based on a blockchain P2P technology, and send a verification request to a regulatory agency;

the file interpretation module 400 is configured to obtain a public key in a key pair of an insurance company and interpret an electronic file in a verification request by using the public key, so as to obtain and send a target policy electronic file to a regulatory agency;

The auditing module 500 is used for acquiring auditing information of the supervision mechanism, acquiring a private key in a key pair of the supervision mechanism according to the auditing information, digitally signing the target policy electronic file, and transmitting the digital signature to a distributed network node of the block chain-based P2P technology;

the policy ensuring module 600 is configured to obtain personal information of a policy holder, obtain a hash value thereof through hash calculation, search an electronic file of a policy corresponding to a distributed network based on a P2P technology of a blockchain through the hash value, and digitally sign the electronic file of the policy according to a private key in a key pair of the policy holder, thereby completing policy authority confirmation;

the transfer request module 700 is configured to acquire and send a policy transfer request of a policy holder to the transaction platform, and generate and send an intelligent contract;

the policy freezing module 800 is configured to acquire and send order information of the transaction platform to an insurance company, and acquire policy freezing information of the insurance company;

the policy inquiry module 900 is configured to acquire information and payment information of a subscriber sent by an investment institution, set an index standard, and inquire and send corresponding policy information according to the index standard;

and the policy transfer module 1000 is configured to obtain digital signature information of the subscriber, and transfer the policy holding right of the corresponding policy to the subscriber, thereby completing policy transfer.

When each user logs in the system for the first time, acquiring initial login information of the user through an account creation module 100, prompting the user to create an account, creating a user account for the user by using BIP39 mnemonics, and creating a key pair and an address for the user; the initial login information includes a user login request, user identity information, and the like. Before the secret key is stored, the system prompts the user to input a string of random characters as a private key, the private key is encrypted by combining the symmetric encryption algorithm AES, and the encrypted private key is stored in a local browser of the user; and binding the mobile phone number of the user with the address of the user through the email address and the email verification code provided by the user. The users include insurance companies, regulatory authorities, policy holders and investment institutions, and a unique account is created for each user according to different users. Acquiring and transmitting user subscription insurance information to an insurance company through an insurance subscription module 200, writing each detail of an insurance policy into an electronic file in a classified form after the insurance company receives consumer subscription insurance, acquiring the detail content of the insurance policy transmitted by the insurance company through an insurance policy content module 300, generating the electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, transmitting the digitally signed electronic file to a distributed network based on a block chain P2P technology, and transmitting a verification request to a supervision mechanism; the electronic file arranges the benefits and the guarantee rules of the policy in order, key private data are encrypted by an elliptic curve encryption algorithm in combination with personal identity information of a policy holder, all the information is marked by hash of a calculation result, an insurance company uses a private key to carry out digital signature on the file of the policy through a client, after the digital signature is finished, the file is sent to a P2P-based distributed network and a verification request is sent to a supervision and verification mechanism, and the supervision and verification of the policy are carried out through the supervision and verification mechanism. After receiving the request of the insurance company, the supervision organization obtains the public key in the key pair of the insurance company through the file interpretation module 400 and interprets the electronic file in the verification request through the public key, so as to obtain and send the target policy electronic file to the supervision organization, after confirming that the file can be interpreted by the public key of the insurance company, the supervision organization examines the file content, namely whether the policy details and terms are compliant, obtains the examination information of the supervision organization through the examination module 500, obtains the private key in the key pair of the supervision organization according to the examination information, digitally signs the target policy electronic file and sends the target policy electronic file to the distributed network node of the block chain-based P2P technology, so that the file can be stored in a distributed mode and safely, and waits for the policy holder to get. After creating the account, the policy holder uses the personal data to calculate the hash, and the hash value can find the relative policy in the P2P distributed network. The policy holder obtains the personal information of the policy holder through the policy ensuring module 600 and obtains the hash value through hash calculation, searches the electronic file of the corresponding policy in the distributed network based on the P2P technology of the blockchain through the hash value, digitally signs the electronic file of the policy according to the private key in the key pair of the policy holder, sends the digital signature on the hashed policy by using the personal private key, and once the signature is completed, the policy is transferred to the authority of the policy holder, and the policy authority confirmation is completed. When the policy holder wants to transfer the policy holding right owned by the policy holder, acquiring and sending a policy transfer request of the policy holder to the transaction platform through the transfer request module 700, acquiring the price set by the policy holder, the time of hanging the policy, and the payment passing card paid into the corresponding system of the transaction platform as the commission to generate an intelligent contract combining the policy buying and selling conditions, wherein the intelligent contract comprises information such as the price, the time of hanging the policy, the content of the policy, the buying and selling conditions and the like; once the order is generated, the transaction system temporarily freezes the insurance policy by sending information to the insurance company, obtains and sends the order information of the transaction platform to the insurance company through the policy freezing module 800, and obtains the policy freezing information of the insurance company; then, the professional investment organization verifies the platform as a qualified subscriber, acquires the information and payment information of the subscriber sent by the investment organization through the policy inquiry module 900, sets index standards, inquires and sends corresponding policy information according to the index standards, and once the proper policy is found, the subscriber directly carries out name digital signature payment, acquires the digital signature information of the subscriber through the policy transfer module 1000, transfers the policy holding right of the corresponding policy to the subscriber, completes policy transfer, and transfers the corresponding policy holding right to the subscriber.

Based on the first aspect, as shown in fig. 1, in some embodiments of the present invention, the policy content module 300 includes a content sub-module 310, an encryption sub-module 320, and a signature sub-module 330, where:

a content sub-module 310, configured to obtain details of the policy sent by the insurance company, and generate and send an electronic file of the policy;

the encryption sub-module 320 is configured to extract key private data and identity information of a policy holder in the electronic file, encrypt the key private data and the identity information by using an elliptic curve encryption algorithm, generate encrypted information, and perform hash calculation on the encrypted information to obtain and send a hash value of the encrypted information;

The signature sub-module 330 is configured to obtain a private key in a key pair of an insurance company, digitally sign an electronic file, send the digitally signed electronic file to a distributed network of a blockchain-based P2P technology, and send a verification request to a regulatory agency.

After accepting consumer subscription insurance, the insurance company compiles each detail of the insurance policy in a classified form, acquires the detail content of the insurance policy sent by the insurance company through a content sub-module 310, generates and sends an electronic file of the insurance policy, the file orderly arranges benefits and guarantee rules of the insurance policy as visual data, then extracts key private data in the electronic file and identity information of a policy holder through an encryption sub-module 320 and encrypts the key private data and the identity information of the policy holder through an elliptic curve encryption algorithm to generate encryption information, and carries out hash calculation on the encryption information to obtain and send a hash value of the encryption information, wherein the key private data comprises private data designated by a user and detailed identity information (such as identity card number, bank card number and the like); all the encrypted information is marked by the hash of the calculation result. Then, the signature sub-module 330 obtains the private key in the key pair of the insurance company to digitally sign the electronic file, the insurance company uses the private key to digitally sign the file of the policy through its own client, and after the digital signature is completed, the file is sent to the distributed network of the blockchain-based P2P technology, and a verification request is sent to the supervision organization. And encrypting the information to ensure the safety of data transmission.

Based on the first aspect, as shown in fig. 1, in some embodiments of the present invention, the above-mentioned inspection module 500 includes an information acquisition sub-module 510 and a compliance determination sub-module 520, wherein:

an information obtaining sub-module 510, configured to obtain and send inspection information of the supervision organization;

the compliance judging sub-module 520 is configured to judge whether the file content in the target policy electronic file is compliant according to compliance confirmation information in the inspection information, and if so, acquire a private key in a key pair of a supervision mechanism according to the inspection information, digitally sign the target electronic file and send the digital signature to a distributed network of a blockchain-based P2P technology; if not, generating and sending out-of-compliance prompt information.

After receiving the request of the insurance company, the supervision organization uses the public key of the insurance company as the file to interpret the file, confirms that the file can be interpreted by the public key of the insurance company, examines whether the file content, namely the policy details and terms are compliant, acquires and transmits the examination information of the supervision organization through the information acquisition sub-module 510, wherein the examination information comprises the policy detail information, the term information, the file compliance confirmation information thereof and the like, then judges whether the file content in the target policy electronic file is compliant according to the compliance confirmation information in the examination information through the compliance judging sub-module 520, if the document is compliant, the supervision organization legal person private key is used for carrying out digital signature on the document, and after the digital signature is finished, the document is transmitted to the distributed network of the P2P technology based on the blockchain, so that the document can be stored in a distributed mode and is waited for the policy holder to obtain.

Based on the first aspect, as shown in fig. 1, in some embodiments of the present invention, the above-mentioned transfer request module 700 includes a request sending sub-module 710, a payment verification sub-module 720, and an intelligent contract sub-module 730, wherein:

a request sending sub-module 710, configured to obtain and send a policy transfer request of a policy holder to the transaction platform;

a payment verification submodule 720, configured to acquire and send a payment verification of the policy holder to the transaction platform;

the intelligent contract sub-module 730 is configured to set policy buying and selling conditions, and generate and send intelligent contracts according to the policy buying and selling conditions, policy transfer requests and payment passes of policy holders.

When the policy holder wants to transfer its ownership, the policy holder obtains and transmits a policy transfer request of the policy holder to the transaction platform through the request transmitting sub-module 710, the policy holder can use the digital signature to transmit the policy to the transaction platform, the policy holder can set the price, the time of hanging the policy, and the payment clearance paid in the corresponding system of the transaction platform as the commission, obtain and transmit the payment clearance of the policy holder to the transaction platform through the payment clearance sub-module 720, and then set the policy buying and selling conditions through the intelligent contract sub-module 730, and generate and transmit an intelligent contract according to the policy buying and selling conditions, the policy transfer request of the policy holder, and the payment clearance.

Based on the first aspect, as shown in fig. 1, in some embodiments of the present invention, the policy value circulation system based on the blockchain technology further includes a time module 1100 and a judgment module 1200, wherein:

a time module 1100 for obtaining time period data in the smart contract;

the judging module 1200 is configured to judge whether order information is acquired within a time period, if so, acquire and send the order information of the transaction platform to the insurance company, and acquire policy freezing information of the insurance company; if not, generating and transmitting transfer failure information, and canceling the policy transfer.

To ensure the validity of the policy equity, a transaction needs to be performed at a specified time, time limit data in the intelligent contract is acquired through the time module 1100, then whether order information is acquired within the time limit is judged through the judging module 1200, if the condition that the intelligent contract is not satisfied yet until the time is reached, the original path is returned, transfer failure information is generated and sent, and the policy transfer is cancelled. If the intelligent contract obtains the corresponding matched price in the public transaction market to be a transaction, the platform links the transaction data signature after the transaction, and transmits the result to the insurance company to request signature confirmation, and finally the insurance company confirms that the transaction signature completes the transaction, the policy holder successfully transfers, and the policy holder does not have the exercise right of the policy any more. All the transactions above will have a time stamp record and all will not be reversible or repairable.

As shown in fig. 2, in a second aspect, an embodiment of the present invention provides a policy value circulation method based on a blockchain technology, including the following steps:

s1, acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises an insurance company, a supervision organization, a policy holder and an investment organization;

s2, acquiring and sending user subscription insurance information to an insurance company;

s3, acquiring the detail content of the insurance policy sent by the insurance company, generating an electronic file, digitally signing the electronic file through a private key in a key pair of the insurance company, sending the digitally signed electronic file to a distributed network based on a P2P technology of a blockchain, and sending a verification request to a supervision organization;

s4, obtaining a public key in a key pair of an insurance company, and reading an electronic file in a verification request through the public key to obtain and send a target policy electronic file to a supervision organization;

s5, acquiring examination information of a supervision organization, and acquiring a private key in a key pair of the supervision organization according to the examination information to digitally sign a target policy electronic file and transmitting the digital signature to a distributed network node of a P2P technology based on a blockchain;

S6, acquiring personal information of the policy holder, acquiring a hash value of the personal information through hash calculation, searching an electronic file of a corresponding policy in a distributed network based on a P2P technology of a blockchain through the hash value, and carrying out digital signature on the electronic file of the policy according to a private key in a key pair of the policy holder to finish policy authority confirmation;

s7, acquiring and sending a policy transfer request of a policy holder to a transaction platform, and generating and sending an intelligent contract;

s8, acquiring and transmitting order information of the transaction platform to an insurance company, and acquiring policy freezing information of the insurance company;

s9, acquiring information and payment information of a subscriber sent by an investment institution, setting an index standard, and inquiring and sending corresponding policy information according to the index standard;

s10, acquiring digital signature information of the subscriber, and transferring the policy holding right of the corresponding policy to the subscriber to finish the policy transfer.

After accepting consumer subscription insurance, the insurance company compiles each detail of the insurance policy in a classified form, acquires the detail content of the insurance policy sent by the insurance company, generates and sends an electronic file of the insurance policy, the file orderly arranges the benefits and the guarantee rules of the insurance policy into visual data, extracts key private data in the electronic file and identity information of an insurance policy holder, encrypts the key private data by adopting an elliptic curve encryption algorithm, generates encryption information, carries out hash calculation on the encryption information to obtain and send hash values of the encryption information, wherein the key private data comprises private data appointed by a user, detailed identity information (such as information of an identity card number, a bank card number and the like) of the user and the like; all the encrypted information is marked by the hash of the calculation result. Then, the insurance company uses the private key to digitally sign the file of the policy through the client, and after the digital signature is completed, the file is sent to the distributed network of the P2P technology based on the blockchain, and a verification request is sent to the supervision organization. And encrypting the information to ensure the safety of data transmission.

acquiring and transmitting inspection information of a supervision mechanism;

After receiving the request of the insurance company, the supervision organization uses the public key of the insurance company as the file to read the file, confirms whether the file can be read by the public key of the insurance company, examines the file content, namely the detail and the clause of the policy are compliant, acquires and transmits the examination information of the supervision organization, wherein the examination information comprises the detail information of the policy, the clause information, the compliance confirmation information of the file and the like, then judges whether the file content in the target policy electronic file is compliant according to the compliance confirmation information in the examination information, if the compliance is correct, the supervision organization legal person private key is used for carrying out digital signature on the file, and after the digital signature is finished, the file is transmitted to a distributed network of the P2P technology based on a block chain, so that the file can be stored in a distributed mode and is waited for the policy holder to obtain.

When the policy holder wants to transfer the ownership, the policy transfer request of the policy holder is acquired and sent to the transaction platform, the policy holder can use the digital signature to send the policy to the transaction platform, the policy holder can set the price, the time of hanging the policy and the payment passing card paid into the corresponding system of the transaction platform as the commission, then set the policy buying and selling conditions, and generate and send the intelligent contract according to the policy buying and selling conditions, the policy transfer request of the policy holder and the payment passing card.

Acquiring time limit data in an intelligent contract;

In order to ensure the effectiveness of the policy equity, the transaction needs to be carried out at a specified time, the time limit data in the intelligent contract is acquired, then whether order information is acquired within the time limit is judged, if the intelligent contract does not meet the condition yet until the time is reached, the original path is returned, transfer failure information is generated and sent, and the policy transfer is cancelled. If the intelligent contract obtains the corresponding matched price in the public transaction market to be a transaction, the platform links the transaction data signature after the transaction, and transmits the result to the insurance company to request signature confirmation, and finally the insurance company confirms that the transaction signature completes the transaction, the policy holder successfully transfers, and the policy holder does not have the exercise right of the policy any more. All the transactions above will have a time stamp record and all will not be reversible or repairable.

The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

It will be evident to those skilled in the art that the application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.

Claims

1. The utility model provides a form value circulation system based on blockchain technique, its characterized in that includes account creation module, insurance subscription module, form content module, file interpretation module, examination module, form guarantee right module, transfer request module, form freeze module, form inquiry module and form transfer module, wherein:

The transfer request module is used for acquiring and sending a policy transfer request of a policy holder to the transaction platform, and generating and sending an intelligent contract; the transfer request module comprises a request sending sub-module, a payment verification sub-module and an intelligent contract sub-module, wherein: the request sending sub-module is used for acquiring and sending a policy transfer request of a policy holder to the transaction platform; the payment verification sub-module is used for acquiring and sending a payment verification of the policy holder to the transaction platform; the intelligent contract sub-module is used for setting the conditions of buying and selling the insurance policy, and generating and transmitting an intelligent contract according to the conditions of buying and selling the insurance policy, the insurance policy transfer request of the insurance policy holder and the payment passing card;

2. The blockchain technology-based policy value circulation system of claim 1, wherein the policy content module includes a content sub-module, an encryption sub-module, and a signature sub-module, wherein:

3. The blockchain technology-based policy value circulation system of claim 1, wherein the auditing module includes an information acquisition sub-module and a compliance determination sub-module, wherein:

4. The blockchain technology-based policy value circulation system of claim 1, further comprising a time module and a judgment module, wherein:

5. A policy value circulation method based on a blockchain technology is characterized by comprising the following steps:

Acquiring and transmitting a policy transfer request of a policy holder to a transaction platform, and generating and transmitting an intelligent contract, including: acquiring and sending a policy transfer request of a policy holder to a transaction platform; acquiring and sending a payment card of a policy holder to a transaction platform; setting the conditions of buying and selling the insurance policy, and generating and transmitting an intelligent contract according to the conditions of buying and selling the insurance policy, the insurance policy transfer request of the insurance policy holder and the payment pass;

6. The method for distributing the policy value based on the blockchain technology according to claim 5, wherein the method for obtaining the policy details sent by the insurance company, generating an electronic file, digitally signing the electronic file by a private key in a key pair of the insurance company, and sending the digitally signed electronic file to the distributed network of the blockchain-based P2P technology, and sending a verification request to the regulatory agency comprises the following steps:

7. The blockchain technology-based policy value circulation method of claim 5, wherein the method for acquiring the inspection information of the regulatory agency, and acquiring the private key in the key pair of the regulatory agency according to the inspection information to digitally sign the target electronic file and send the digitally signed target electronic file to the blockchain-based P2P technology-based distributed network comprises the following steps:

acquiring and transmitting inspection information of a supervision mechanism;

8. The blockchain technology-based policy value circulation method of claim 5, further comprising the steps of:

acquiring time limit data in an intelligent contract;