CN115456802A - Insurance event processing system based on digital currency - Google Patents
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Abstract
The application provides an insurance event processing system based on digital currency, comprising: the system comprises a digital currency control platform, a client and a processing server; the digital currency control platform executes: receiving an association establishment request A; modifying the current owner identification of the first target currency set to Tag 2 (ii) a If the target event meets the locking condition, establishing an incidence relation between the first target currency set and the first target intelligent contract; otherwise, establishing an incidence relation between the first target currency set and the second target intelligent contract; the first target intelligent contract performs: determining a second target currency set; setting the second target currency set to a locked state; the second target intelligent contract executes: the first set of target currencies is set to a locked state. The system can avoid the situation that a large amount of digital currency of the target processing server is locked and cannot be normally used. While also ensuring that at least a first target currency set can be locked to be specific to a target eventAnd (5) continuing processing.
Description
Technical Field
The application relates to the field of digital currency, in particular to an insurance event processing system based on digital currency.
Background
Currently, the claim settlement service of many insurance products (such as delay insurance of civil aviation) automatically completes the payment of the claim settlement amount by the system response and the claim settlement request of the user.
And in order to avoid the condition that the account of the insurance company has insufficient funds, the claim settlement fails and the like. In some systems, after an insurance order is established, a portion of funds in a bank account (generally greater than the price of the user for purchasing insurance products) are frozen to be reserved for the user to settle the claim.
However, in this case, since not every insurance may generate a claim settlement event, a large amount of money of the insurance company may be frozen and may not be used normally.
Disclosure of Invention
In view of the above, the present application provides a digital currency based insurance event processing system that at least partially solves the problems of the prior art.
In one aspect of the present application, there is provided a digital currency-based insurance event processing system, including: the system comprises a digital currency control platform, a plurality of clients and a plurality of processing servers; a plurality of intelligent contracts and a plurality of digital currencies are stored in the digital currency control platform; each intelligent contract is provided with a plurality of corresponding participating devices, the participating devices are clients and/or processing servers, each intelligent contract is provided with a corresponding contract identifier, and a current owner identifier is stored in each digital currency; the current owner identification is configured to be modifiable only in response to a request issued by a device to which the current owner identification corresponds or execution of a smart contract.
The digital currency control platform is used for executing the following steps:
s100, receiving an association establishment request A = (Tag) sent by a target client 1 ,Tag 2 ,Num 0 Acc); wherein, tag 1 A first user identifier, tag, corresponding to the target client 2 A second user identification, num, corresponding to the target processing server 0 Acc is the number of the digital currency and is the event identification of the target event; a is used for requesting the target processing server to establish Tag 1 And the incidence relation with the target event.
S200, modifying the current owner identification of each digital currency in the first target currency set into Tag 2 (ii) a The first target currency set comprises Num 0 The current owner is identified as Tag 1 The digital currency of (1).
S300, if the target event meets the locking condition, establishing an incidence relation between a first target currency set and the first target intelligent contract; otherwise, establishing the association relationship between the first target currency set and the second target intelligent contract.
The first target intelligent contract associated with the first target currency set is operable to perform the steps of:
s400, determining a second target currency set; the second target currency set comprises each digital currency in the first target currency set and Num 1 The current owner is identified as Tag 2 The digital currency of (1); num 1 ≥0。
S500, setting each digital currency in the second target currency set to be in a locking state; the digital currency in the locked state is configured such that it is unable to modify the current owner identification upon request by the target processing server.
The second target intelligent contract, associated with the first target currency set, is for performing the steps of:
s600, setting each digital currency in the first target currency set to be in a locking state.
In the digital currency-based insurance event processing system provided by the application, after receiving an association establishment request A (namely an insurance purchase request) sent by a target client, a digital currency control platform modifies the current owner identification of each digital currency in a target currency set into Tag 2 . I.e. the payment for the insurance purchase is completed, causing the digital currency to be paid to the target processing server.Meanwhile, the digital currency control platform establishes an incidence relation between a first target currency set and the first target intelligent contract under the condition that the target event meets the locking condition; otherwise, establishing the association relationship between the first target currency set and the second target intelligent contract.
In this manner, the first target smart contract is used to determine the second target currency set and set each digital currency in the second target currency set to a locked state. Such that the digital currency in the second target currency set can be used exclusively for claim settlement operations on the target event. Therefore, the problem that the claim amount cannot be directly paid due to insufficient account funds is avoided.
The second target smart contract is for setting only each digital currency in the first target currency set to a locked state.
Therefore, the system provided by the application can determine which intelligent contract the first target currency set is associated with according to whether the current target event meets the locking condition, wherein the first intelligent contract can determine that the second target currency set with more digital currency quantity is locked, and the second intelligent contract can also ensure that at least the first target currency set for insurance purchase is locked. In this way, a large amount of funds of the insurance company cannot be frozen to be used normally. It is also ensured that at least the first target currency set can be locked for use exclusively in claim settlement operations.
Meanwhile, in the whole process, the target client side is only required to carry out one-time payment operation (namely sending the association establishment request A), the target processing server does not need to judge the association intelligent contract and additionally set a management system of digital currency, and the processing pressure of the target processing server is reduced. Meanwhile, the first target intelligent contract or the second target intelligent contract performs the locking operation of the digital currency, so that the situation that the target processor cannot lock the digital currency and cannot carry out claim settlement operation can be avoided.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a block diagram of a digital currency-based insurance event processing system according to an embodiment of the present invention.
Detailed Description
The embodiments of the present application will be described in detail below with reference to the accompanying drawings.
It should be noted that, in the case of no conflict, the features in the following embodiments and examples may be combined with each other; moreover, all other embodiments that can be derived by one of ordinary skill in the art from the embodiments disclosed herein without making any creative effort fall within the scope of the present disclosure.
It is noted that various aspects of the embodiments are described below within the scope of the appended claims. It should be apparent that the aspects described herein may be embodied in a wide variety of forms and that any specific structure and/or function described herein is merely illustrative. Based on the disclosure, one skilled in the art should appreciate that one aspect described herein may be implemented independently of any other aspects and that two or more of these aspects may be combined in various ways. For example, an apparatus may be implemented and/or a method practiced using any number of the aspects set forth herein. In addition, such an apparatus may be implemented and/or such a method may be practiced using other structure and/or functionality in addition to or other than one or more of the aspects set forth herein.
In one aspect of the present application, a digital currency based insurance event processing system is provided.
Referring to fig. 1, the system includes: the system comprises a digital currency control platform, a plurality of clients and a plurality of processing servers; a plurality of intelligent contracts and a plurality of digital currencies are stored in the digital currency control platform; each intelligent contract is provided with a plurality of corresponding participating devices, the participating devices are clients and/or processing servers, each intelligent contract is provided with a corresponding contract identifier, and a current owner identifier is stored in each digital currency; the current owner identification is configured to be modifiable only in response to a request issued by a device to which the current owner identification corresponds or execution of a smart contract. In particular, the same smart contract can have multiple participating devices, which may include clients and processing servers.
The client may be insurance purchase agent software or a client of the platform, and may be installed on the electronic device of the user. The processing server may be an insurance server. Each intelligent contract can be set by the participating device or the operating party of the participating device together, and is audited and operated by the digital currency control platform. Each digital currency can exist in the form of a unique file within the digital currency control platform.
The digital currency control platform is used for executing the following steps:
s100, receiving an association establishment request A = (Tag) sent by a target client 1 ,Tag 2 ,Num 0 Acc); wherein, tag 1 A user identifier (such as an account number or a bank card number of a user corresponding to the target client) corresponding to the target client, tag 2 A second user identifier (such as an account number or a bank card number corresponding to the target processing server) corresponding to the target processing server, num 0 Acc is the event identification (e.g., insurance order number) of the target event (e.g., insurance) for the amount of digital currency; a is used for requesting the target processing server to establish Tag 1 An incidence relation with the target event; i.e. for requesting the target processing server to generate the corresponding insurance order. The target client is one of the plurality of clients, and the first target intelligent contract is one of the plurality of intelligent clients. The target processing server is one of several processing servers.
S200, modifying the current owner identification of each digital currency in the first target currency set into Tag 2 (ii) a The first target currency set comprises Num 0 The current owner is identified as Tag 1 The digital currency of (2); for current owner identificationThe current owner of the corresponding digital currency is identified. While modifying the current owner identification of digital currency may be understood as a transfer or transaction activity, i.e., the corresponding digital currency is transferred from Tag 1 Under the name of (1) pay to Tag 2 Under the name of (1).
S300, if the target event meets the locking condition, establishing an incidence relation between a first target currency set and the first target intelligent contract; otherwise, establishing an incidence relation between the first target currency set and the second target intelligent contract; the association may be established by binding the target currency set with the first target smart contract, or loading the first smart contract into each digital currency in the target currency set, so that the first target smart contract can control the digital currency in the target currency set. And after the association relation between the first target currency set and the first target intelligent contract or the second target intelligent contract is established, sending an association establishment request A to the target processing server so as to establish Tag 1 And the incidence relation with the target event.
The first target intelligent contract associated with the first target currency set is operable to perform the steps of:
s400, determining a second target currency set. The second target currency set comprises each digital currency in the first target currency set and Num 1 The current owner is identified as Tag 2 The digital currency of (1); num of 1 Is more than or equal to 0. I.e., the amount of digital currency in the second target currency set is greater than the amount of digital currency in the first target currency set.
S500, setting each digital currency in the second target currency set to be in a locking state. The digital currency in the locked state is configured such that it is unable to modify the current owner identification upon request by the target processing server. Digital currency in a locked state can only be unlocked or have its current owner identification changed in response to execution of a smart contract.
The second target smart contract, associated with the first target currency set, is operable to perform the steps of:
s600, setting each digital currency in the first target currency set to be in a locking state.
In the insurance event processing system based on digital currency provided by this embodiment, after receiving the association establishment request a (i.e. insurance purchase request) sent by the target client, the digital currency control platform modifies the current owner identifier of each digital currency in the target currency set to Tag 2 . I.e. the payment for the insurance purchase is completed, so that the digital currency is paid to the target processing server. Meanwhile, the digital currency control platform establishes an incidence relation between a first target currency set and the first target intelligent contract under the condition that the target event meets the locking condition; otherwise, establishing the association relationship between the first target currency set and the second target intelligent contract.
In this manner, the first target smart contract is used to determine the second target currency set and set each digital currency in the second target currency set to a locked state. Such that the digital currency in the second target currency set can be used exclusively for claim settlement operations on the target event. Therefore, the problem that the claim amount cannot be directly paid due to insufficient account funds is avoided.
The second target smart contract is for setting only each digital currency in the first target currency set to a locked state.
Therefore, the system provided by the application can determine which intelligent contract the first target currency set is associated with according to whether the current target event meets the locking condition, wherein the first intelligent contract can determine that the second target currency set with more digital currency quantity is locked, and the second intelligent contract can also ensure that at least the first target currency set for insurance purchase is locked. In this way, a large amount of funds of the insurance company cannot be frozen to be used normally. It is also ensured that at least the first target currency set can be locked for use exclusively in claim settlement operations.
Meanwhile, in the whole process, the target client side is only required to carry out one-time payment operation (namely, sending the association establishing request A), the target processing server does not need to judge the associated intelligent contract, and a management system of digital currency is not additionally arranged, so that the processing pressure of the target processing server is reduced. Meanwhile, the first target intelligent contract or the second target intelligent contract performs the locking operation of the digital currency, so that the situation that the target processor cannot lock the digital currency and cannot carry out claim settlement operation can be avoided.
The first target intelligent contract or the second target intelligent contract associated with the first target currency set is also used for executing the following steps:
if the association success notice sent by the target processing server is not received within the set time, the current owner identification of each digital currency in the first target currency set is changed into Tag 1 (ii) a And releases the lock state of each digital money in the first target money set.
In this embodiment, when the target client sends out the association establishment request a, the digital currency control platform modifies the current owner identifier of each digital currency in the first target currency set to Tag 2 . In this way, if the association success notification sent by the target processing server is not received within the set time, it may be that the processing server fails to complete the generation of the order, and in a general situation, the target client or the target processing server needs to initiate a refund transaction again to complete the refund. In this embodiment, if the first target intelligent contract or the second target intelligent contract does not receive the association success notification sent by the target processing server within the set time, the current owner identifier of each digital currency in the first target currency set is modified to Tag 1 The refund operation is automatically completed without additional communication interaction between the target client and the target processing server or initiating redundant refund transaction, so that multi-party communication resources and computing resources are saved.
In an exemplary embodiment of the present application, the lock condition includes:
if Acc belongs to the target type list, the Acc is accorded with the target type list;
the target type list comprises a plurality of preset candidate type identifications.
Or, the lock-out condition includes:
if Num 0 If < R1, the formula is satisfied;
wherein, R1 is a preset currency amount threshold value.
Or, the lock-out condition includes:
if the delta T is less than R2, the condition is satisfied;
and the delta T is the execution duration of the target event, and R2 is a preset duration threshold.
The candidate type identifier, the currency quantity threshold and the duration threshold can be determined according to the actual requirement of the target processing server. According to the method and the device, the target events which are in line with the set type and have small related amount or short execution time are associated with the first target intelligent contract through the locking conditions, so that more digital currencies are set to be in the locking state, and the claim settlement operation of the user corresponding to the target client side is guaranteed to be carried out smoothly as far as possible. Meanwhile, because the target events relate to smaller amount or shorter execution time, the method can not cause that a large amount of funds of the insurance company are frozen and cannot be used normally.
In an exemplary embodiment of the present application, the digital currency control platform stores a set of alternative currencies corresponding to the target processing server; each digital currency in the alternative currency set is not currently associated with a smart contract;
the step S400 includes:
s410, acquiring a target number Num 2 ＝f(Con)*Num 0 (ii) a f () is a preset coefficient determination function; f (Con) is a target coefficient obtained according to Con; f (Con) > 1; num of 1 ＝Num 2 -Num 0 (ii) a Specifically, the coefficient determining function f () may be set by a person skilled in the art according to claim settlement rules preset by the target processing server, and the coefficient determining function may be implemented by using the prior art, which is not described herein again. Wherein f (Con) is the maximum claim coefficient.
S420, determining Num from the alternative currency set 1 A target digital currency;
s430, collecting the first target currency set and Num 1 The individual target digital currencies are collectively identified as a second target currencyAnd (4) collecting.
In this embodiment, the second target processing server has a corresponding alternative currency set, and each digital currency in the alternative currency set is not currently associated with an intelligent contract, that is, the digital currencies are freely usable and can be freely used by the target client after being paid with the claim amount, so that the user does not worry about that the digital currency obtained by the claim is limited in use. Meanwhile, the second target currency set comprises the first target currency set, so that the digital currency used by the target client for payment is directly returned, and the digital currency with possible limitation is prevented from being left under the name of the target processing server, namely, the part of the digital currency for settlement is the part of the digital currency for purchasing the insurance.
Specifically, when a user needs to carry out a claim settlement, a claim settlement request may be sent to the first target intelligent contract through the target client, the first target intelligent contract determines, according to the claim settlement request and preset claim settlement rules, the amount of digital currency used for the claim settlement from the second target currency set to generate a corresponding claim settlement currency set, and modifies the current owner identifier of the digital currency in the claim settlement currency set to Tag 1 To complete the claim settlement operation.
In an exemplary embodiment of the present application, between the step S100 and the step S200, the digital currency control platform is further configured to perform the steps of:
s110, obtaining Tag 1 Corresponding several currency set recording files H 1 ,H 2 ,...,H k ,...,H m ，k＝1,2,...,m，H k Is Tag 1 Corresponding currency set record file of kth original currency set, m is Tag 1 The number of corresponding original currency sets; h k For recording Tag 1 The number of digital currencies in the corresponding kth set of original currencies; the currency set record file may exist independently or may be loaded directly into the corresponding original currency set. The original currency set can be understood as the current Tag 1 A currency set under name.
S120, if m is larger than beta, determining a first target currency set from m original currency sets according to a first rule; otherwise, determining a first target currency set from the m original currency sets according to a second rule, wherein beta is a preset quantity threshold value. Specifically, β ∈ [5,20], preferably, β =15.
The first rule includes:
s140, according to H 1 ,H 2 ,...,H k ,...,H m Determining n candidate currency sets meeting set conditions from the m original currency sets; n is less than or equal to m; the set condition is that the current original currency set is not in a locked state. I.e., the candidate currency set is the currency set that the target client can currently use for the transaction.
S141, obtaining an information list B = (B) according to the currency set record files corresponding to the n candidate currency sets 1 ,B 2 ,...,B i ,...,B n )，i＝1,2,...,n，B i The number of digital currencies in the ith candidate currency set; 0 < B 1 ＜B 2 ＜...＜B i ＜...＜B n ；
S142, order B 0 ＝0，j＝1；
S143, order B 0 ＝B 0 +B j If B is 0 ＜Num 0 If not, go to step S144, otherwise, go to step S145;
s144, let j = j +1, and proceed to step S143;
s145, if B 0 ＝Num 0 Then B is 1 ,B 2 ,...,B j The corresponding candidate currency sets are jointly determined as the first target currency set; otherwise, go to step S146;
s146, obtaining B p ＝B 0 -Num 0 ；
S147, according to B p To B j Splitting the corresponding candidate currency set to obtain a first subset and a second subset; the number of digital currencies in the first subset and B p The same;
s148, mixing B 1 ,B 2 ,...,B j-1 The corresponding set of candidate currencies and the second subset are together determined to be the first set of target currencies.
The second rule includes:
s150, according to H 1 ,H 2 ,...,H k ,...,H m Determining n candidate currency sets meeting set conditions from the m original currency sets; n is less than or equal to m;
s151, obtaining an information list B = (B) according to the currency set record files corresponding to the n candidate currency sets 1 ,B 2 ,...,B i ,...,B n )，i＝1,2,...,n，B i The number of digital currencies in the ith candidate currency set; 0 < B 1 ＜B 2 ＜...＜B i ＜...＜B n ；
S152, order B 0 ＝0，j＝n；
S153, let B 0 ＝B 0 +B j If B is 0 ＜Num 0 Step S154 is entered, otherwise, step S155 is entered;
s154, let j = j-1, and proceed to step S153;
s155, if B 0 ＝Num 0 Then B is j ,B j+1 ,...,B n The corresponding candidate currency sets are jointly determined as the first target currency set; otherwise, go to step S156;
s156, obtaining B p ＝B 0 -Num 0 ；
S157, according to B p To B j Splitting the corresponding candidate currency set to obtain a first subset and a second subset; the number of digital currencies in the first subset and B p The same;
s158, mixing B j+1 ,B j+2 ,...,B n The corresponding set of candidate currencies and the second subset are together determined to be the first set of target currencies.
In this example, tag 1 Each corresponding original currency set exists separately, so that when the number of the original currency sets is too large, the processing amount required by the digital currency control platform to manage the original currency sets is increased. In the application, the control of the value of j by the first rule can realize that the candidate currency set with the small number of digital currencies as much as possible is used for generating the first target currency set, so that the Tag is reduced as much as possible 1 The corresponding amount of the original currency set. The second rule is contrary, since it selects the candidate currency set with a large number of digital currencies preferentially, the whole process flow can be faster (i.e. the number of judgments will be less), so as to improve the efficiency. Meanwhile, the present embodiment, by controlling whether the first rule or the second rule is executed by β, can be at Tag 1 When the corresponding amount of the original currency set is too large, the Tag is reduced 1 The corresponding original currency set is mainly counted and is at Tag 1 If the number of corresponding original currency sets is small, the adult processing efficiency is improved. The control on the computing resources of the digital currency control platform is more reasonable.
The digital currency provided in the present application may be the digital currency disclosed in patent CN107358522B (publication number).
At the same time. The digital currency in the present application can be loaded or associated with smart contracts to enable the smart contracts to control the digital currency. Wherein the digital currency and the smart contract implement a method of loading or associating. The technical personnel in the field can refer to the related technology in the white paper book for development and development of the Chinese digital Renminbi published in 7 months 2021 for implementation.
Moreover, although the steps of the methods of the present disclosure are depicted in the drawings in a particular order, this does not require or imply that the steps must be performed in this particular order, or that all of the depicted steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
In an exemplary embodiment of the present disclosure, an electronic device capable of implementing the above method is also provided.
As will be appreciated by one skilled in the art, aspects of the present application may be embodied as a system, method or program product. Accordingly, various aspects of the present application may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.
An electronic device according to this embodiment of the present application. The electronic device is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present application.
The electronic device is in the form of a general purpose computing device. Components of the electronic device may include, but are not limited to: the at least one processor, the at least one memory, and a bus connecting the various system components (including the memory and the processor).
Wherein the storage stores program code executable by the processor to cause the processor to perform steps according to various exemplary embodiments of the present application described in the "exemplary methods" section above.
The memory may include readable media in the form of volatile memory, such as Random Access Memory (RAM) and/or cache memory, and may further include Read Only Memory (ROM).
The storage may also include a program/utility having a set (at least one) of program modules including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The bus may be any of several types of bus structures including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures.
The electronic device may also communicate with one or more external devices (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device to communicate with one or more other computing devices. Such communication may be through an input/output (I/O) interface. Also, the electronic device may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the internet) via a network adapter. The network adapter communicates with other modules of the electronic device over the bus. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, to name a few.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, and may also be implemented by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a terminal device, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
In an exemplary embodiment of the present disclosure, there is also provided a computer-readable storage medium having stored thereon a program product capable of implementing the above-described method of the present specification. In some possible embodiments, the various aspects of the present application may also be implemented in the form of a program product comprising program code for causing a terminal device to perform the steps according to various exemplary embodiments of the present application described in the above section "exemplary method" of this specification, when said program product is run on the terminal device.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
A computer readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present application may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
Furthermore, the above-described figures are merely schematic illustrations of processes involved in methods according to exemplary embodiments of the present application, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functions of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered within the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (8)
1. A digital currency based insurance event processing system, comprising: the system comprises a digital currency control platform, a plurality of clients and a plurality of processing servers; a plurality of intelligent contracts and a plurality of digital currencies are stored in the digital currency control platform; each intelligent contract is provided with a plurality of corresponding participating devices, the participating devices are clients and/or processing servers, each intelligent contract is provided with a corresponding contract identifier, and a current owner identifier is stored in each digital currency; the current owner identification is configured to be capable of being modified only in response to a request issued by a device corresponding to the current owner identification or execution of a smart contract;
the digital currency control platform is used for executing the following steps:
s100, receiving an association establishment request A = (Tag) sent by a target client 1 ,Tag 2 ,Num 0 Acc); wherein, tag 1 A first user identification, tag, of a corresponding user of the target client 2 A second user identification, num, corresponding to the target processing server 0 Acc is the number of the digital currency and is the event identification of the target event; a is used for requesting the target processing server to establish Tag 1 An incidence relation with the target event;
s200, modifying the current owner identification of each digital currency in the first target currency set into Tag 2 (ii) a The first target currency set comprises Num 0 The current owner is identified as Tag 1 The digital currency of (1);
s300, if the target event meets the locking condition, establishing an incidence relation between a first target currency set and the first target intelligent contract; otherwise, establishing an incidence relation between the first target currency set and the second target intelligent contract;
the first target intelligent contract associated with the first target currency set is operable to perform the steps of:
s400, determining a second target currency set; the second target currency set comprises each digital currency in the first target currency set and Num 1 The current owner is identified as Tag 2 The digital currency of (1); num 1 ≥0；
S500, setting each digital currency in the second target currency set to be in a locking state; the digital currency in the locked state is configured to be unable to modify a current owner identification upon request by the target processing server;
the second target intelligent contract, associated with the first target currency set, is for performing the steps of:
s600, setting each digital currency in the first target currency set to be in a locking state.
2. The digital currency based insurance event processing system of claim 1, wherein the lockout condition comprises:
if Acc belongs to the target type list, the Acc is satisfied;
the target type list comprises a plurality of preset candidate type identifications.
3. The digital currency based insurance event processing system of claim 1, wherein the lockout condition comprises:
if Num 0 If < R1, the formula is satisfied;
wherein, R1 is a preset currency amount threshold value.
4. The digital currency based insurance event processing system of claim 1, wherein the lockout condition comprises:
if the delta T is less than R2, the condition is satisfied;
and the delta T is the execution duration of the target event, and R2 is a preset duration threshold.
5. The digital currency based insurance event processing system of claim 1, wherein between the step S100 and the step S200, the digital currency control platform is further configured to perform the steps of:
s110, obtaining Tag 1 Corresponding currency set recording files H 1 ,H 2 ,...,H k ,...,H m ，k＝1,2,...,m，H k Is Tag 1 Corresponding currency set record file of kth original currency set, m is Tag 1 The number of corresponding original currency sets; h k For recording Tag 1 The number of digital currencies in the corresponding kth set of original currencies;
s120, if m is larger than beta, determining a first target currency set from m original currency sets according to a first rule; otherwise, determining a first target currency set from the m original currency sets according to a second rule, wherein beta is a preset quantity threshold value.
6. The digital currency based insurance event processing system of claim 5, wherein the first rule comprises:
s140, according to H 1 ,H 2 ,...,H k ,...,H m Determining n candidate currency sets meeting set conditions from the m original currency sets; n is less than or equal to m;
s141, obtaining an information list B = (B) according to the currency set record files corresponding to the n candidate currency sets 1 ,B 2 ,...,B i ,...,B n )，i＝1,2,...,n，B i The number of digital currencies in the ith candidate currency set; 0 < B 1 ＜B 2 ＜...＜B i ＜...＜B n ；
S142, order B 0 ＝0，j＝1；
S143, order B 0 ＝B 0 +B j If B is 0 ＜Num 0 If not, go to step S145;
s144, let j = j +1, and proceed to step S143;
s145, if B 0 ＝Num 0 Then B is added 1 ,B 2 ,...,B j The corresponding candidate currency sets are jointly determined as the first target currency set; otherwise, go to step S146;
s146, obtaining B p ＝B 0 -Num 0 ；
S147, according to B p To B j Splitting the corresponding candidate currency set to obtain a first subset and a second subset; the number of digital currencies in the first subset and B p The same;
s148, mixing B 1 ,B 2 ,...,B j-1 The corresponding set of candidate currencies and the second subset are together determined to be the first set of target currencies.
7. The digital currency based insurance event processing system of claim 6, wherein the second rules include:
s150, according to H 1 ,H 2 ,...,H k ,...,H m Determining n candidate currency sets meeting set conditions from the m original currency sets; n is less than or equal to m;
s151, obtaining an information list B = (B) according to the currency set record files corresponding to the n candidate currency sets 1 ,B 2 ,...,B i ,...,B n )，i＝1,2,...,n，B i The number of digital currencies in the ith candidate currency set; 0 < B 1 ＜B 2 ＜...＜B i ＜...＜B n ；
S152, order B 0 ＝0，j＝n；
S153, let B 0 ＝B 0 +B j If B is 0 ＜Num 0 If not, go to step S154, otherwise, go to step S155;
s154, let j = j-1, and proceed to step S153;
s155, if B 0 ＝Num 0 Then B is j ,B j+1 ,...,B n The corresponding candidate currency sets are jointly determined as the first target currency set; otherwise, go to step S156;
s156, obtaining B p ＝B 0 -Num 0 ；
S157, according to B p To B j Splitting the corresponding candidate currency set to obtain a first subset and a second subset; the number of digital currencies in the first subset and B p The same;
s158, mixing B j+1 ,B j+2 ,...,B n The corresponding set of candidate currencies and the second subset are together determined to be the first set of target currencies.
8. The digital currency based insurance event processing system of claim 7, wherein the set condition is that the current set of original currency is not in a locked state.
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