CN112785279A - Block chain technology-based liability insurance application system and method - Google Patents
Block chain technology-based liability insurance application system and method Download PDFInfo
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Abstract
The invention relates to a block chain technology-based security insurance application system and a block chain technology-based security insurance application method. The block chain technology-based security insurance application system comprises: the system comprises a data sensing layer, a block chain network layer, a data monitoring system, a risk analysis system, an accident prevention service system and a policy management system. In the invention, the data perception layer screens and chains up the basic data of the enterprise participating in the insurance, and provides effective and reliable data support for other system modules; the block chain network layer is utilized to effectively reduce various friction costs in the information transmission process and enhance the trust degree between the participants; the practical requirements of the insurance-participating enterprises on providing the accident prevention service are met, and the safety production level of the enterprises is improved; and the requirement of a supervision department on providing enterprise risk analysis service in the jurisdiction is met.
Description
Technical Field
The invention relates to the field of safety production liability insurance, in particular to a liability insurance application system and method based on a block chain technology.
Background
Safety production responsibility insurance (called safety insurance for short) refers to a commercial insurance that an insurance organization compensates casualties and related economic losses caused by production safety accidents of an insured production and operation unit and provides accident prevention service for the insured production and operation unit.
The field of safety production insurance has not undergone significant changes in the past decades or even longer, with a low level of intelligence. As a representative of emerging technologies, the blockchain is called "trusted machine", and has several characteristics, mainly decentralization, non-tampering, traceability, openness, anonymity, democratic. The largest characteristic of blockchains is "decentralized", which means: the storage, updating, maintenance, operation and other processes of the data are all based on the distributed ledger, and are not based on the overall server of the centralized mechanism. The block chain has good openness and connectivity, and can effectively solve the problems of uniqueness and continuity of data and mutual trust among different parties. Because insurance is essentially risk transaction, and has the essential attribute of service entity economy, the liability insurance business usually has a plurality of participants, and each participant needs to be connected in an open and credible mode to share, verify and interact data and business processes with each participant. Therefore, the block chain technology is integrated into the insurance application scene to eliminate the problems caused by the centralized access mode in the traditional method, and the method has important significance.
The safety production responsibility insurance information management platform is an important demand scene in the insurance industry, and is a comprehensive management platform for the contents of insurance application, insurance output, claim settlement and the like of the insurance service. However, in the prior art, only insurance process management (such as insurance application, insurance exposure, claim settlement and the like) based on an insurance responsibility platform is usually concerned, consideration on requirements of accident prevention of the enterprise under insurance participation, supervision of enterprise security risks by a supervision department and the like is lacked, and importance of providing accident prevention service for the enterprise under insurance participation and providing enterprise risk analysis service in the jurisdiction for the supervision department by the insurance responsibility platform is also ignored. Moreover, how to organically combine the insurance company insurance application, insurance emergence and claim settlement process and the enterprise strengthened safety accident risk control process through the related risk data generated in the enterprise production operation process is also rarely disclosed in the prior art. Therefore, the construction of a set of complete safety and liability insurance platform has important practical significance and practical value.
Disclosure of Invention
The safety and liability insurance platform based on the block chain can effectively reduce various friction costs in the information transmission process by using the block chain technology, enhance the trust degree between the participants, analyze the risk degree of enterprise data on the chain by using the big data technology, and construct a complete safety and liability insurance application system by using the two technologies.
According to a first aspect of the present invention, there is provided a block chain technology-based insurance application system, including:
the data perception layer is used for collecting and screening basic data of the enterprise participating in the insurance and chaining the basic data on the block chain network layer, wherein the basic data comprises scene data;
the block chain network layer is used as a trusted storage layer, and an intelligent contract is deployed on the block chain network layer;
the data monitoring system is used for storing the scene data of the enterprise participating in the insurance and chaining on the block chain network layer;
the risk analysis system is used for carrying out security risk analysis on the enterprise participating in the insurance by utilizing the scene data so as to generate a corresponding security risk analysis result and link the chain on the block chain network layer;
the accident prevention service system is used for providing risk early warning data for the insurance-participating enterprises based on the safety risk analysis result so as to ensure that the insurance-participating enterprises carry out risk verification and cancellation; and
and the policy management system determines the claim amount of a policy contract based on the risk early warning and risk verification and cancellation results, and links the policy contract on the block chain network layer.
Further, the context data includes risk data, and the smart contract includes a warranty contract;
the data monitoring system is used for storing the risk data of the enterprise participating in the security and calling the storage and certification contract to chain the risk data of the enterprise participating in the security on the block chain network layer;
and the risk analysis system is used for carrying out security risk analysis on the enterprise participating in the insurance process based on the risk data so as to generate a corresponding security risk analysis result and link the corresponding security risk analysis result on the block chain network layer.
Further, the intelligent contracts include risk classification contracts;
the risk analysis system is used for calling the risk classification contract to generate safety risk classification information;
and the accident prevention service system is used for providing risk early warning data for the insurance-participating enterprises based on the safety risk grading information so as to ensure that the insurance-participating enterprises carry out risk verification and cancellation.
Further, the intelligent contracts include master insurance contracts;
and the insurance participating enterprises call the main insurance contract and carry out accident claim settlement to insurance companies.
Further, the data awareness layer includes an edge computing unit, the scene data includes device operating status data and production environment data, and the edge computing unit is configured to compute, filter, and uplink on the blockchain network layer, the device operating status data and/or the production environment data.
A second aspect of the present invention provides an insurance application method based on a blockchain technology, which is applied to the insurance application system based on the blockchain technology, and the method includes the following steps:
deploying an intelligent contract at a block chain network layer;
acquiring and screening basic data of the enterprise participating in the insurance and chaining on the block chain network layer;
storing the scene data of the enterprise participating in the insurance and chaining on the block chain network layer;
performing security risk analysis on the participating enterprises by using the scene data to generate corresponding security risk analysis results and chaining on the block chain network layer;
providing risk early warning data for the insured enterprise based on the safety risk analysis result so as to ensure that the insured enterprise carries out risk verification and cancellation;
and determining the claim settlement amount of a policy contract based on the risk early warning and the risk verification and cancellation result, and linking the policy contract on the block chain network layer.
Further, the context data includes risk data, and the smart contract includes a warranty contract;
the step of storing the scene data of the enterprise under insurance participation, chaining the scene data on the block chain network layer and carrying out security risk analysis on the enterprise under insurance participation based on the scene data, and generating a corresponding security risk analysis result comprises the following steps:
storing the risk data of the insured enterprise;
calling the security contract to uplink the risk data of the enterprise participating in security on the block chain network layer;
and performing security risk analysis on the enterprise under the insurance participation based on the risk data to generate a corresponding security risk analysis result.
Further, the step of performing security risk analysis on the enterprise under insurance based on the risk data to generate a corresponding security risk analysis result specifically includes:
invoking the risk classification contract to generate information for security risk classification.
Further, the step of providing risk early warning data for the insured enterprise based on the security risk analysis result to ensure that the insured enterprise carries out risk verification specifically comprises:
and providing risk early warning data for the insurance-participating enterprises based on the safety risk grading information so as to ensure that the insurance-participating enterprises carry out risk verification and cancellation.
Further, after the step of determining the claim amount of the policy contract based on the risk pre-warning and the risk verification and cancellation result, the method further comprises:
when an accident occurs, the insurance participating enterprise calls a main insurance contract and carries out accident claim settlement on an insurance company;
and the supervision department performs accident accountability on the participating and protecting enterprises.
The invention utilizes the characteristics of high transparency, decentralization, trust removal, no tampering and the like of the block chain technology to construct a set of complete and perfect safety production liability insurance platform, and the block chain-based liability insurance application system utilizes the block chain technology to effectively reduce various friction costs in the information transmission process and enhance the trust degree between the participating parties.
The invention analyzes the risk degree of the enterprise data on the chain by using a big data technology, further meets the practical requirements of participating and protecting enterprises on providing accident prevention service and the requirements of supervision departments on providing enterprise risk analysis service in the jurisdiction simultaneously by using the security risk insurance application system based on the block chain technology, and organically combines the enterprise security accident risk management and control process with the insurance company application, insurance and claim settlement process under the same application system.
According to the invention, the block chain is applied to the field of safety production liability insurance, a set of complete block chain-based security liability insurance application system is constructed, the problems of centralized storage, opaque supervision, asymmetric information of each participant, trust cost increase, execution in a risk analysis and prevention service platform, lack of public trust and the like of the traditional system are solved, and the block chain safety insurance application system has certain practical application significance. In addition, the invention can realize the information sharing of insurance industry so as to reduce the operation cost of companies; the supervision level of the insurance industry of the insurance of the security responsibility is improved; the default rate of the insurance company for the policy is reduced. Specifically, for the insurance-participating enterprises, due to the characteristic that the block chain can not be tampered, all the money paid by the insurance-participating enterprises can be recorded on the block chain, the data is kept by the applicant, and anyone can not be tampered. The digital certificate system can ensure the ownership of the insurance policy, so that the applicant can quickly obtain the claim. For the supervision department, as the block chain has the decentralized characteristic, the supervision department can jointly participate in the shared maintenance accounts of enterprises, insurance companies and the like, so that the former unreliable data are changed into credible data, and a complete solution can be provided for the supervision department based on the data. The condition of repeated insurance can be avoided by utilizing the characteristics of unforgeability and openness and transparency of the block chain, or the condition of multiple claims can be carried out by utilizing the same insurance accident. The digital certificate system can prevent the counterfeit ownership from carrying out insurance claims.
Drawings
FIG. 1 is a block chain based architecture of a security insurance application system according to the present invention;
FIG. 2 is a diagram illustrating an embodiment of a data-aware layer in a block-chain based security insurance application system according to the present invention;
fig. 3 is a flowchart illustrating a security method of an insurance system applied to a blockchain technology according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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. It should be noted that the terms "first," "second," "third," and the like in the present disclosure are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
For the purpose of facilitating an understanding of the present invention, the following detailed description will be given of the technical solutions provided by the present invention with reference to specific embodiments. In the present invention, the technical features of the embodiments and the technical features of the embodiments may be combined with each other without conflict.
According to a first aspect of the present invention, there is provided an insurance application system based on a blockchain technique. The invention utilizes the block chain technology to make the main process of the interaction between the platform user and the platform reduced, and utilizes the characteristic that the block chain technology needs to participate in the multi-party to jointly maintain the account book, thereby enhancing the credibility of the platform data.
Specifically, referring to fig. 1, a schematic diagram of an architecture of a block chain technology-based security insurance application system according to the present invention is shown. The system comprises: the system comprises a data sensing layer, a block chain network layer, a data monitoring system, a risk analysis system, an accident prevention service system and a policy management system;
the data perception layer is used for collecting and screening basic data of an enterprise participating in security as a platform user and chaining the basic data on the block chain network layer; wherein the base data comprises scene data. In the invention, the data perception layer screens and links the basic data of the enterprise participating in the insurance by combining artificial intelligence, the Internet of things and a big data technology, and provides effective and reliable data support for other system modules.
The block chain network layer is used as a trusted storage layer of the system, and a plurality of contracts for safety and liability are deployed on the block chain network layer. In the invention, the blockchain network provides credible elements for the platform, the corresponding blockchain account book is maintained by an insurance company, an insurance enterprise, a supervision department and an insurance platform together, and anyone can not forge data on the blockchain account book. The risk prevention and control level of the enterprise participating in the insurance can be improved by chaining the risk data of the enterprise participating in the insurance, the claim settlement efficiency of the insurance company can be improved by chaining the insurance process, and the supervision level of a supervision department can be enhanced.
The security insurance application system of the invention needs to be deployed on a block chain network layer by a plurality of contracts which can comprise: master insurance contracts, access control contracts, security contracts, risk grading contracts, and the like. The insurance company can register its own insurance products on the main insurance contract and maintain the information of the insurance-participating enterprises and the insurance flow. The access control contract is mainly responsible for realizing access control on each platform user (or called platform participant). The risk classification contract maintains (all) risk data information for the participating enterprise as well as (all) security risk classification information generated by the expert user (e.g., expert user's rating information for risk data).
And the data monitoring system is used for storing scene data of the enterprise participating in the insurance and chaining on the block chain network layer.
It should be noted that the basic data mainly includes: scene data (such as equipment working state data, production environment data), personnel data, alarm data and the like. The basic data (dynamic + static) of the participating enterprises are mainly required for the pre-assessment, the in-process monitoring and prevention, the post-process quick claim settlement and the like required by insurance business (such as the safety and liability insurance) of the invention, so the dynamic real-time data of the participating enterprises play a very important role in the whole business process and play a role similar to 'high-rise building foundation'.
And the risk analysis system is used for carrying out security risk analysis on the enterprise participating in the insurance by utilizing the scene data so as to generate a corresponding security risk analysis result and link the chain on the block chain network layer. In the invention, the risk analysis system can carry out risk monitoring analysis on each index based on big data and a risk analysis model of the enterprise under insurance to generate a safety risk analysis result, the safety risk analysis result can be used as a basis for judging the risk degree of the enterprise under insurance by an expert user, and the safety risk analysis result of the enterprise under insurance by the expert user is linked up in a block chain network layer, so that the risk (accident) prevention and policy pricing of the enterprise under insurance can be further realized. In addition, the security risk analysis result can also be provided for a supervision department of one of the platform users so as to meet the requirement of the supervision department on enterprise risk analysis in the jurisdiction.
And the accident prevention service system is used for providing risk early warning data for the insurance-participating enterprises based on the safety risk analysis result so as to ensure that the insurance-participating enterprises perform risk verification and cancellation. And the safety risk analysis result is generated by other users except the enterprise participating in the security by using the risk data. In the invention, the insurance-participating enterprise can provide the accident prevention service function for the enterprise by judging the risk data of the insurance-participating enterprise by the expert user on the chain, thereby improving the safety production level of the enterprise.
It should be noted that, when the expert performs the accident prevention service for the production enterprise, the expert may upload the data such as information, data, photos, and expert confirmation signatures during the service process to the system, and other users may share the information of the accident prevention service when logging in the system to know the contents such as the current service progress, the existing problems, and the risk potential. After seeing the hidden danger of the production enterprise, the users can be rectified and sold as soon as possible, meanwhile, the evaluation and the suggestion can be made for the service, and the users such as a supervision organization, an insurance company and the like can conveniently know the service quality and feedback information in real time.
The accident prevention service system provides content information such as service progress, existing problems, potential risks and the like for platform users (supervision agencies, production enterprises and insurance companies), so that the users of the production enterprises can conveniently correct and cancel the potential risks and check and sell the potential risks as soon as possible after seeing the content information, meanwhile, the accident prevention service system can evaluate and provide suggestions for services, and the users such as the supervision agencies, the insurance companies and the like can conveniently know the service quality and feedback information in real time.
Therefore, the invention can meet the practical requirement of providing accident prevention service for the insurance-participating enterprises through the security and liability insurance application system based on the block chain technology, and organically combines the enterprise security-enhanced accident risk management and control process with the insurance company application, insurance and claim settlement process on the same platform.
And the policy management system determines the claim amount of the policy contract based on the risk early warning and risk verification and cancellation results, and links the policy contract on the block chain network layer. In the invention, the policy management system determines the amount of the policy claim settlement by combining a wind control model in an insurance company based on enterprise risk early warning generated by an accident prevention service system and risk verification and cancellation conditions of enterprises, and finally links the policy contract on a block chain network layer.
In the invention, the insurance policy management system can be in butt joint with the insurance policy system of the insurance company as a platform user, and the insurance processes of the insurance company and the insurance participating enterprises can be linked up in the block chain network layer. Specifically, the policy management system can be docked with a policy system of an insurance company, and meanwhile, secondary development is performed on actual scenes of insurance participating users (such as insurance participating enterprises), so that the insurance processes of the insurance company and the insurance participating enterprises are linked, and the requirements of each service provided by the insurance company for the insurance participating enterprises are met, such as: online application of insurance, policy and status inquiry, policy comparison, claim settlement inquiry and the like. Meanwhile, a logical relationship is established with other related services (such as accident prevention service), and the integrity of structured storage of the information is ensured.
Preferably, the scene data comprises risk data, and the data monitoring system is used for storing the risk data of the enterprise participating in the security, and calling a security contract to chain the risk data of the enterprise participating in the security on the block chain network layer;
and the risk analysis system is used for carrying out security risk analysis on the enterprise under the insurance participation based on the risk data so as to generate a corresponding security risk analysis result and link the corresponding security risk analysis result on the block chain network layer.
Preferably, the risk analysis system is used for calling a risk classification contract to generate safety risk classification information;
and the accident prevention service system is used for providing risk early warning data for the insurance-participating enterprises based on the safety risk grading information so as to ensure that the insurance-participating enterprises perform risk verification and cancellation.
Preferably, the participating enterprise calls the main insurance contract to carry out accident claim settlement to the insurance company.
As an exemplary and non-exclusive preferred embodiment of the data-aware layer of the present invention, reference is made to fig. 2. The data perception layer comprises an edge computing unit, the scene data comprises equipment working state data (such as 'destruction perception' data, 'working state perception' data and 'location perception' data acquired from the working equipment by the edge computing unit in fig. 2) and production environment data (such as 'credible gas data' acquired from a traditional gas sensor and capable of being linked up by the edge computing unit in fig. 2), and the edge computing unit can be used for computing, screening and linking the equipment working state data and/or the production environment data in the block chain network layer.
It should be particularly noted that, as will be understood by those skilled in the art, there is no contradiction or conflict between the above expression that the "scenario data includes the equipment operating state data and the production environment data" and the expression that the "scenario data includes the risk data". This is because the "work status data" and the "production environment data" are based on the "data source" to divide and classify the scene data; and "risk data" (corresponding to non-risk data) is the scene data divided and classified based on "whether the data reaches the degree of risk data". For example, when the production environment data reaches the level of the risk data (e.g., exceeds a risk data early warning or alarm threshold), the production environment data at that time is also a risk data; correspondingly, when the production environment data does not reach the degree of the risk data (if the risk data early warning or alarm threshold value is not exceeded), the production environment data at the moment is also non-risk data.
Referring to fig. 3, a schematic flow relationship diagram corresponding to an implementation of the insurance method applied to the block chain technology-based insurance system of the present invention mainly relates to several roles of an insurance platform, an insurance enterprise, a supervision department, an insurance company, and an expert user:
(1) participating in insurance enterprises and expert users: the insurance-participating enterprise can link up the risk data (such as risk data) of the enterprise in real time by using the insurance-participating platform, and an expert user of the insurance-participating platform can judge the risk level of the insurance-participating enterprise according to the risk data (such as risk data) on the insurance-participating enterprise, so that the insurance-participating enterprise can effectively master the safety risk condition of the enterprise, such as inherent risk, historical alarm condition, historical accident information and the like, dynamically and real-timely monitor the change condition of key indexes such as personnel, gas and the like, and effectively prevent the occurrence of enterprise safety production accidents. In addition, the insurance participating enterprises can purchase insurance through the insurance security platform and link the insurance records at the same time, and the blockchain can provide insurance application, claim settlement and management of the insurance full flow of the claim settlement for the insurance participating enterprises.
(2) An insurance platform (namely a safety production responsibility insurance information management platform): the functions of information inquiry, accident prevention service tool, fast claim settlement information inquiry, liability insurance reference pricing and the like are provided for insurance organization (such as insurance companies) users. The insurance platform can provide effective block chain data information such as basic information, accident information and insurance information of insurance enterprises for insurance company users, and provides reliable, real and effective data support for insurance company application and claim settlement. When an accident occurs, the insurance company can quickly inquire the accurate personnel list and personnel position of the enterprise under insurance at the moment of the accident, and an effective information inquiry tool is provided for quickly settling the claim. The insurance company can use a series of safety parameters such as risk data judgment information (for example, safety risk grading information), an enterprise safety risk evaluation index, historical accident conditions and the like of the insurance enterprises on the chain to carry out the unified pricing of the insurance premium for the insurance enterprises, and provide reference for the pricing of the insurance company insurance premium.
(3) Regulatory authorities (e.g., government regulatory authorities): and providing chain data to perform security risk analysis, regional security risk implementation condition analysis, insurance company service condition analysis and the like on enterprises in the district. Through the security risk platform, the supervision department can control the whole security risk level in the region, the security risk condition of each enterprise, and the security risk condition and the hidden danger condition in the region under jurisdiction are monitored and monitored with pertinence, so that the safety production accident is effectively prevented. The supervision department can effectively control the information of insurance application, insurance exposure and claim settlement in the region through the security risk platform, know the total insurance application and the proportion, the insurance exposure quantity and the loss condition, the number of the claims cases and the compensation amount and the like, master the rectification conditions of hidden danger elimination and the like of production safety accidents, and provide data support for implementing the national security risk enforcement policy and pushing the security risk in the region. In addition, the supervision department can effectively carry out the responsibility of following after the enterprise has an accident according to the data on the chain.
In a second aspect of the present invention, a block chain technology-based insurance application method is further provided, and the method is used in the aforementioned insurance application system. The method comprises the following steps:
deploying an intelligent contract at a block chain network layer;
collecting and screening basic data of the enterprise participating in the insurance and chaining on a block chain network layer;
storing scene data of the enterprise participating in the insurance and chaining on a block chain network layer;
carrying out security risk analysis on the participating enterprises by using the scene data to generate corresponding security risk analysis results and chaining the security risk analysis results on the block chain network layer;
providing risk early warning data for the participating and protecting enterprises based on the safety risk analysis result so as to ensure that the participating and protecting enterprises carry out risk verification and cancellation;
and determining the claim amount of the policy contract based on the risk early warning and the risk verification and cancellation result, and linking the policy contract on the block chain network layer.
Further, the scenario data includes risk data, and the intelligent contract includes a warranty contract;
storing scene data of the enterprise participating in the insurance, chaining the scene data on a block chain network layer and carrying out security risk analysis on the enterprise participating in the insurance based on the scene data, wherein the step of generating a corresponding security risk analysis result comprises the following steps:
storing risk data of the enterprise participating in the insurance;
calling a security contract to chain up the risk data of the enterprises participating in the security on the block chain network layer;
and carrying out security risk analysis on the enterprise participating in the insurance process based on the risk data to generate a corresponding security risk analysis result.
Further, the security risk analysis is performed on the enterprise under insurance based on the risk data, and the step of generating a corresponding security risk analysis result specifically includes:
invoking the risk classification contract produces information for security risk classification.
In the invention, a risk grading contract is used for maintaining risk data and risk data judgment information; the risk data judgment information comprises safety risk grading information;
wherein, the step of generating the risk data judgment information by using the risk data comprises:
the security risk analysis is carried out on the enterprise participating in the insurance by the supervision department (through a risk analysis system) by utilizing the risk data so as to generate a corresponding security risk analysis result;
the security risk analysis results are used by (expert users) to generate security risk rating information by invoking a risk rating contract.
Further, based on the security risk analysis result, providing risk early warning data for the participating enterprise so as to enable the participating enterprise to carry out risk verification and cancellation specifically comprises the following steps:
and providing risk early warning data for the participating enterprises based on the safety risk grading information so as to ensure that the participating enterprises perform risk verification and cancellation.
In the invention, the main insurance contract is used for registering insurance products, maintaining information of insurance participating enterprises and an insurance process; the method further comprises the following steps:
calling a main insurance contract to make a customized insurance policy for the participating enterprises;
the insurance-participating enterprise calls the main insurance contract to perform predetermined operation, and the predetermined operation comprises claim settlement operation. The present invention is not limited thereto, and the predetermined operation may further include an operation of signing an insurance contract, etc.
Further, after the step of determining the claim amount of the policy contract based on the risk pre-warning and the risk verification and cancellation result, the method further comprises:
when an accident occurs, the participating insurance enterprises call the main insurance contract and carry out accident claim settlement on insurance companies;
and the supervision department carries out accident accountability on the enterprises participating in the insurance.
In conclusion, the invention constructs a set of complete and perfect safe production responsibility insurance application system by utilizing the characteristics of high transparency, decentralization, trust removal, non-falsification and the like of the block chain technology. The block chain-based security risk platform can effectively reduce various friction costs in the information transmission process by using a block chain technology, and enhance the trust degree between the participants.
The invention analyzes the risk degree of the enterprise data on the chain by using a big data technology, further meets the practical requirements of participating and protecting enterprises on providing accident prevention service and the requirements of supervision departments on providing enterprise risk analysis service in the jurisdiction simultaneously by using the security risk insurance application system based on the block chain technology, and organically combines the enterprise security accident risk management and control process with the insurance company application, insurance and claim settlement process on the same platform.
According to the invention, the block chain is applied to the field of safety production liability insurance, a set of complete safety liability insurance platform system based on the block chain is constructed, the problems of centralized storage, opaque supervision, asymmetric information of each participant, trust cost increase, risk analysis, execution in a prevention service platform, lack of public trust and the like in the traditional system are solved, and the method has certain practical application significance. In addition, the invention can realize the information sharing of insurance industry so as to reduce the operation cost of companies; the supervision level of the insurance industry of the insurance of the security responsibility is improved; the default rate of the insurance company for the policy is reduced. Specifically, for the insurance-participating enterprises, due to the characteristic that the block chain can not be tampered, all the money paid by the insurance-participating enterprises can be recorded on the block chain, the data is kept by the applicant, and anyone can not be tampered. The digital certificate system can ensure the ownership of the insurance policy, so that the applicant can quickly obtain the claim. For the supervision department, as the block chain has the decentralized characteristic, the supervision department can jointly participate in the shared maintenance accounts of enterprises, insurance companies and the like, so that the former unreliable data are changed into credible data, and a complete solution can be provided for the supervision department based on the data. The condition of repeated insurance can be avoided by utilizing the characteristics of unforgeability and openness and transparency of the block chain, or the condition of multiple claims can be carried out by utilizing the same insurance accident. The digital certificate system can prevent the counterfeit ownership from carrying out insurance claims.
Although the present invention is disclosed above, the present invention is not limited thereto. Various changes and modifications may be effected therein by one skilled in the art without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (10)
1. An insurance application system based on a block chain technology, comprising:
the data perception layer is used for collecting and screening basic data of the enterprise participating in the insurance and chaining the basic data on the block chain network layer, wherein the basic data comprises scene data;
the block chain network layer is used as a trusted storage layer, and an intelligent contract is deployed on the block chain network layer;
the data monitoring system is used for storing the scene data of the enterprise participating in the insurance and chaining on the block chain network layer;
the risk analysis system is used for carrying out security risk analysis on the enterprise participating in the insurance by utilizing the scene data so as to generate a corresponding security risk analysis result and link the chain on the block chain network layer;
the accident prevention service system is used for providing risk early warning data for the insurance-participating enterprises based on the safety risk analysis result so as to ensure that the insurance-participating enterprises carry out risk verification and cancellation; and
and the policy management system determines the claim amount of a policy contract based on the risk early warning and risk verification and cancellation results, and links the policy contract on the block chain network layer.
2. The blockchain technology-based accountability insurance application system of claim 1, wherein the scenario data includes risk data, and the intelligent contract includes a warranty contract;
the data monitoring system is used for storing the risk data of the enterprise participating in the security and calling the storage and certification contract to chain the risk data of the enterprise participating in the security on the block chain network layer;
and the risk analysis system is used for carrying out security risk analysis on the enterprise participating in the insurance process based on the risk data so as to generate a corresponding security risk analysis result and link the corresponding security risk analysis result on the block chain network layer.
3. A blockchain technology-based security risk application system according to claim 2 wherein the intelligent contracts include risk classification contracts;
the risk analysis system is used for calling the risk classification contract to generate safety risk classification information;
and the accident prevention service system is used for providing risk early warning data for the insurance-participating enterprises based on the safety risk grading information so as to ensure that the insurance-participating enterprises carry out risk verification and cancellation.
4. The blockchain technology-based insurance application system of claim 2, wherein the intelligent contracts include master insurance contracts;
and the insurance participating enterprises call the main insurance contract and carry out accident claim settlement to insurance companies.
5. The system according to claim 1, wherein the data-aware layer comprises an edge computing unit, the scenario data comprises device operating status data and production environment data, and the edge computing unit is configured to compute, filter, and link the device operating status data and/or the production environment data on the blockchain network layer.
6. An insurance application method based on the blockchain technology, which is applied to the insurance application system based on the blockchain technology of any one of claims 1 to 5, and comprises the following steps:
deploying an intelligent contract at a block chain network layer;
acquiring and screening basic data of the enterprise participating in the insurance and chaining on the block chain network layer;
storing the scene data of the enterprise participating in the insurance and chaining on the block chain network layer;
performing security risk analysis on the participating enterprises by using the scene data to generate corresponding security risk analysis results and chaining on the block chain network layer;
providing risk early warning data for the insured enterprise based on the safety risk analysis result so as to ensure that the insured enterprise carries out risk verification and cancellation;
and determining the claim settlement amount of a policy contract based on the risk early warning and the risk verification and cancellation result, and linking the policy contract on the block chain network layer.
7. The method of claim 6, wherein the context data comprises risk data, and the intelligent contract comprises a warranty contract;
the step of storing the scene data of the enterprise under insurance participation, chaining the scene data on the block chain network layer and carrying out security risk analysis on the enterprise under insurance participation based on the scene data, and generating a corresponding security risk analysis result comprises the following steps:
storing the risk data of the insured enterprise;
calling the security contract to uplink the risk data of the enterprise participating in security on the block chain network layer;
and performing security risk analysis on the enterprise under the insurance participation based on the risk data to generate a corresponding security risk analysis result.
8. The method according to claim 7, wherein the step of performing security risk analysis on the enterprise under insurance participation based on the risk data and generating a corresponding security risk analysis result specifically comprises:
invoking the risk classification contract to generate information for security risk classification.
9. The safety and liability insurance application method based on the blockchain technology according to claim 8, wherein the step of providing risk early warning data for the insured enterprise based on the security risk analysis result so as to enable the insured enterprise to perform risk verification and cancellation specifically comprises:
and providing risk early warning data for the insurance-participating enterprises based on the safety risk grading information so as to ensure that the insurance-participating enterprises carry out risk verification and cancellation.
10. The method for liability insurance application based on blockchain technology according to claim 6, wherein after the step of determining the amount of claims under the policy contract based on the risk pre-warning and risk verification and cancellation result, the method further comprises:
when an accident occurs, the insurance participating enterprise calls a main insurance contract and carries out accident claim settlement on an insurance company;
and the supervision department performs accident accountability on the participating and protecting enterprises.
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