有鑑於此，本說明書一個或多個實施例提供了一種基於區塊鏈的存證方法，應用於包括業務提供方節點設備和保險服務方節點設備的區塊鏈系統；所述方法包括：
所述保險服務方節點設備從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的目標業務訂單資訊；
基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生；
將所述投保憑證交易發送到所述區塊鏈的分散式資料庫，以使所述投保憑證交易被所述區塊鏈的節點設備共識驗證後，被收錄於所述區塊鏈的分散式資料庫。
在又一示出的實施方式中，所述基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生，將所述投保憑證交易發送到所述區塊鏈的分散式資料庫，以使所述投保憑證交易被所述區塊鏈的節點設備共識驗證後，被收錄於所述區塊鏈的分散式資料庫，包括：
調用部署在所述區塊鏈上的第一智慧合約，執行所述第一智慧合約聲明的投保憑證交易產生邏輯，基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生；以使所述投保憑證交易被收錄於所述區塊鏈的分散式資料庫中。
在又一示出的實施方式中，所述投保憑證包括所述目標保單內容或所述目標保單內容的雜湊摘要。
在又一示出的實施方式中，所述的方法，還包括：
從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的理賠申請資訊；
基於所述理賠申請資訊為所述業務提供方執行理賠。
在又一示出的實施方式中，所述基於所述理賠申請資訊為所述業務提供方執行理賠，包括：
調用部署在所述區塊鏈上的第二智慧合約，執行所述第二智慧合約聲明的理賠執行邏輯，為所述業務提供方執行理賠。
在又一示出的實施方式中，所述為所述業務提供方執行理賠，包括：
產生理賠結果憑證，以使所述理賠結果憑證被收錄於所述區塊鏈的分散式資料庫中。
在又一示出的實施方式中，所述為所述業務提供方執行理賠，包括：
向所述業務提供方節點設備發起理賠金轉帳交易。
在又一示出的實施方式中，所述區塊鏈為聯盟鏈；所述業務提供方節點設備和保險服務方節點設備為所述聯盟鏈的聯盟成員節點設備。
在又一示出的實施方式中，所述業務提供方為融資租賃服務機構。
相應地，本說明書還提供了一種基於區塊鏈的存證裝置，應用於包括業務提供方節點設備和保險服務方節點設備的區塊鏈系統；所述裝置包括：
獲取單元，用於從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的目標業務訂單資訊；
產生單元，用於基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生；
發送單元，用於將所述投保憑證交易發送到所述區塊鏈的分散式資料庫，以使所述投保憑證交易被所述區塊鏈的節點設備共識驗證後，被收錄於所述區塊鏈的分散式資料庫。
在又一示出的實施方式中，所述產生單元和發送單元進一步用於：
調用部署在所述區塊鏈上的第一智慧合約，執行所述第一智慧合約聲明的投保憑證交易產生邏輯，基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生；以使所述投保憑證交易被收錄於所述區塊鏈的分散式資料庫中。
在又一示出的實施方式中，所述投保憑證包括所述目標保單內容或所述目標保單內容的雜湊摘要。
在又一示出的實施方式中，所述獲取單元，進一步用於從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的理賠申請資訊；
所述裝置還包括執行單元，用於基於所述理賠申請資訊為所述業務提供方執行理賠。
在又一示出的實施方式中，所述執行單元，進一步用於：
調用部署在所述區塊鏈上的第二智慧合約，執行所述第二智慧合約聲明的理賠執行邏輯，為所述業務提供方執行理賠。
在又一示出的實施方式中，所述為所述業務提供方執行理賠，包括：
產生理賠結果憑證，以使所述理賠結果憑證被收錄於所述區塊鏈的分散式資料庫中。
在又一示出的實施方式中，所述為所述業務提供方執行理賠，包括：
向所述業務提供方節點設備發起理賠金轉帳交易。
在又一示出的實施方式中，所述區塊鏈為聯盟鏈；所述業務提供方節點設備和保險服務方節點設備為所述聯盟鏈的聯盟成員節點設備。
在又一示出的實施方式中，所述業務提供方為融資租賃服務機構。
相應地，本說明書還提出了一種電腦設備，包括：記憶體和處理器；所述記憶體上儲存有可由處理器運行的電腦程式；所述處理器運行所述電腦程式時，執行上述第三方支付服務節點設備所執行的基於區塊鏈的存證方法。
本說明書還提供了一種電腦可讀儲存媒體，其上儲存有電腦程式，所述電腦程式被處理器運行時，執行上述第三方支付服務節點設備所執行的基於區塊鏈的存證方法。
由以上技術方案可見，本說明書提供的基於區塊鏈的存證方法及裝置，將業務提供方終端設備和保險服務終端設置為區塊鏈的節點設備，基於區塊鏈技術的分散式資料庫儲存機制，將基於目標業務訂單資訊產生的投保憑證存證於區塊鏈的分散式資料庫中，由區塊鏈系統的節點設備共同維護，即時進行同步，所有記錄可回溯；而且，基於區塊鏈的共識機制，上述目標業務訂單資訊和投保憑證不會在提供後被篡改，從而保證了上述投保憑證的真實性和安全性，為基於上述從目標業務訂單到投保憑證進行的司法取證或理賠核算等其他應用提供了有效的資料基礎。In view of this, one or more embodiments of this specification provide a blockchain-based deposit method, which is applied to a blockchain system including a service provider node device and an insurance service provider node device; the method includes:
The insurance server node device obtains the target service order information sent by the service provider node device from the distributed database of the blockchain;
Generating an insurance voucher transaction based on the content of a target insurance policy, wherein the content of the target insurance policy is generated based on the information of the target business order;
Send the insurance certificate transaction to the distributed database of the blockchain, so that the insurance certificate transaction is included in the distributed database of the blockchain after being verified by the node device consensus of the blockchain database.
In another illustrated embodiment, the insurance certificate transaction is generated based on the target policy content, wherein the target insurance policy content is generated based on the target business order information, and the insurance certificate transaction is sent to the block The distributed database of the blockchain, so that the insurance certificate transaction is included in the distributed database of the blockchain after being verified by the node equipment consensus of the blockchain, including:
Call the first smart contract deployed on the blockchain, execute the insurance voucher transaction generation logic declared by the first smart contract, and generate an insurance voucher transaction based on the target policy content, wherein the target policy content is based on the target Business order information is generated; so that the insurance voucher transaction is included in the distributed database of the blockchain.
In another illustrated embodiment, the insurance application certificate includes the content of the target policy or a hash summary of the content of the target policy.
In another illustrated embodiment, the method further includes:
Obtain claims application information sent by the service provider node device from the distributed database of the blockchain;
Execute claims for the service provider based on the claim application information.
In another illustrated embodiment, the executing claim settlement for the service provider based on the claim settlement application information includes:
The second smart contract deployed on the blockchain is invoked, the claim settlement execution logic declared by the second smart contract is executed, and the claim settlement is executed for the service provider.
In another illustrated embodiment, the executing claims settlement for the service provider includes:
The claim settlement result certificate is generated, so that the claim settlement result certificate is included in the distributed database of the blockchain.
In another illustrated embodiment, the executing claims settlement for the service provider includes:
Initiate a claim payment transfer transaction to the service provider node device.
In another illustrated embodiment, the blockchain is a consortium chain; the service provider node device and the insurance service provider node device are the alliance member node devices of the consortium chain.
In another illustrated embodiment, the service provider is a financial leasing service organization.
Correspondingly, this specification also provides a blockchain-based certificate storage device, which is applied to a blockchain system including a service provider node device and an insurance service provider node device; the device includes:
An obtaining unit for obtaining target service order information sent by the service provider node device from the distributed database of the blockchain;
A generating unit for generating an insurance voucher transaction based on the content of a target insurance policy, wherein the content of the target insurance policy is generated based on the target business order information;
The sending unit is used to send the insurance certificate transaction to the distributed database of the blockchain, so that the insurance certificate transaction is included in the area after being verified by the node device consensus of the blockchain Decentralized database of blockchain.
In another embodiment shown, the generating unit and the sending unit are further used for:
Call the first smart contract deployed on the blockchain, execute the insurance voucher transaction generation logic declared by the first smart contract, and generate an insurance voucher transaction based on the target policy content, wherein the target policy content is based on the target Business order information is generated; so that the insurance voucher transaction is included in the distributed database of the blockchain.
In another illustrated embodiment, the insurance application certificate includes the content of the target policy or a hash summary of the content of the target policy.
In another embodiment shown, the obtaining unit is further configured to obtain the claims application information sent by the service provider node device from the distributed database of the blockchain;
The device also includes an execution unit for executing claims for the service provider based on the claims application information.
In another embodiment shown, the execution unit is further configured to:
The second smart contract deployed on the blockchain is invoked, the claim settlement execution logic declared by the second smart contract is executed, and the claim settlement is executed for the service provider.
In another illustrated embodiment, the executing claims settlement for the service provider includes:
The claim settlement result certificate is generated, so that the claim settlement result certificate is included in the distributed database of the blockchain.
In another illustrated embodiment, the executing claims settlement for the service provider includes:
Initiate a claim payment transfer transaction to the service provider node device.
In another illustrated embodiment, the blockchain is a consortium chain; the service provider node device and the insurance service provider node device are the alliance member node devices of the consortium chain.
In another illustrated embodiment, the service provider is a financial leasing service organization.
Correspondingly, this specification also proposes a computer device, including: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, it executes the aforementioned third party A blockchain-based deposit certificate method executed by the payment service node device.
This specification also provides a computer-readable storage medium on which a computer program is stored. When the computer program is run by the processor, it executes the blockchain-based deposit method executed by the third-party payment service node device.
As can be seen from the above technical solutions, the blockchain-based deposit method and device provided in this manual set the terminal equipment of the service provider and the insurance service terminal as the node equipment of the blockchain, and a distributed database based on blockchain technology The storage mechanism is to deposit the insurance certificate generated based on the target business order information in the distributed database of the blockchain, which is jointly maintained by the node equipment of the blockchain system and synchronized in real time. All records can be traced back; and, based on the district The consensus mechanism of the block chain, the above-mentioned target business order information and insurance certificate will not be tampered with after being provided, thereby ensuring the authenticity and security of the above-mentioned insurance certificate, and it is based on the above-mentioned judicial collection of evidence from the target business order to the insurance certificate. Other applications such as claims accounting provide an effective data basis.
這裡將詳細地對示例性實施例進行說明，其示例表示在圖式中。下面的描述涉及圖式時，除非另有表示，不同圖式中的相同數字表示相同或相似的要素。以下示例性實施例中所描述的實施方式並不代表與本說明書一個或多個實施例相一致的所有實施方式。相反，它們僅是與如所附申請專利範圍中所詳述的、本說明書一個或多個實施例的一些方面相一致的裝置和方法的例子。
需要說明的是：在其他實施例中並不一定按照本說明書示出和描述的順序來執行相應方法的步驟。在一些其他實施例中，其方法所包括的步驟可以比本說明書所描述的更多或更少。此外，本說明書中所描述的單個步驟，在其他實施例中可能被分解為多個步驟進行描述；而本說明書中所描述的多個步驟，在其他實施例中也可能被合併為單個步驟進行描述。
保險服務機構可為多種業務提供方提供的多種目標業務類型提供保險服務，保險服務機構通常將投保相關的目標業務資料資訊和投保資訊儲存在自身的伺服器中，以供核保理賠或第三方機構(如司法機構)進行調查取證。
為防止保險服務機構自身的伺服器被惡意攻擊發生資料篡改方便，或任意第三方機構(如司法機構)對保險服務機構的保險服務內容進行調查或取證，本說明書所提供的一實施例示意了一種基於區塊鏈的存證方法，如圖1所示，本方法應用於包括業務提供方節點設備和保險服務方節點設備的區塊鏈系統。
本實施例所述的業務提供方是指為用户提供業務服務的服務機構，該業務提供方為降低自身的營運風險，通常基於其與用户之間的業務訂單進行投保。上述業務訂單包括但不限於用户的需求訂單、購銷合同、租賃合同等具體形式。相應地，上述保險服務方即為上述業務提供方的業務訂單提供保險、理賠服務的保險服務機構。
在又一示出的實施方式中，上述業務提供方可以為融資租賃服務機構。融資租賃，是目較為普遍的非銀行金融形式。它可以包括多種具體的實現方式，較為常見的是出租人(融資租賃機構)根據承租人(用户)的請求，與第三方(供應商)訂立供貨合同，根據此合同，出租人出資購買承租人選定的設備或物件；同時，出租人與承租人訂立一項租賃合同，將設備出租給承租人，並向承租人收取一定的租金。融資租賃機構作為出租人，由於可能面臨的承租人拒付租金、或拒還設備等問題而承擔較大的經營風險，為此融資租賃機構有意願與保險機構合作，基於其融資租賃訂單或合同而購買相應的業務保險，以在出現如承租人拒付租金、或拒還設備等事件時向相應的保險機構提起理賠。
上述業務提供方節點設備、及保險服務方節點設備即是上述業務提供方、及保險服務方設置的、連接入區塊鏈網路的終端設備。
本實施例所述的區塊鏈，具體可指一個各節點設備通過共識機制達成的、具有分散式資料儲存結構的P2P網路系統，該區塊鏈內的資料分佈在時間上相連的一個個“區塊(block)”之內，後一區塊包含前一區塊的資料摘要，且根據具體的共識機制(如POW、POS、DPOS或PBFT等)的不同，達成全部或部分節點的資料全備份。本領域的技術人員熟知，由於區塊鏈系統在相應共識機制下運行，已收錄至區塊鏈資料庫內的資料很難被任意的節點篡改，例如採用Pow共識的區塊鏈，至少需要全網51%算力的攻擊才有可能篡改已有資料，因此區塊鏈系統有著其他中心化資料庫系統所無法比擬的保證資料安全、防攻擊篡改的特性。由此可知，在本說明書所提供的實施例中，被收錄至區塊鏈的分散式資料庫中的資料不會被攻擊或篡改，從而保證了上述區塊鏈系統中各節點設備向上述區塊鏈存證的資料資訊的真實可靠性。
上述業務提供方和保險服務方的終端設備，可通過遵循相應節點協定、運行節點協定程式的安裝來加入該區塊鏈，作為該區塊鏈的節點設備。本領域的技術人員通常將具有區塊鏈分散式資料庫的資料全備份的節點設備稱為全節點，將具有區塊鏈分散式資料庫的部分備份資料(如僅有區塊頭的資料)的節點設備稱為輕節點等；在本實施例中所述的業務提供方節點設備或保險服務方節點設備可以為上述的全節點或輕節點，只要直接或間接連入上述區塊鏈、且可發送或獲取區塊鏈的分散式資料庫的資料的任何設備均可稱為本實施例所述的節點設備。
如圖1所示，上述基於區塊鏈的存證方法包括：
步驟102，所述保險服務方節點設備從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的目標業務訂單資訊。
上述業務提供方節點設備將業務提供方與用户針對目標業務的訂單資訊發送於區塊鏈的分散式資料庫中，基於區塊鏈的防篡改機制，既可以為上述目標業務訂單資訊存證，又可以使區塊鏈上的其它節點設備獲取到相應的目標業務訂單資訊，以進行進一步的應用，例如，保險服務方節點設備在獲取到相應的目標業務訂單資訊後，基於該業務訂單資訊產生相應的保單。
當上述業務提供方為融資租賃服務機構時，上述目標業務訂單資訊可以包括融資租賃服務機構與承租方用户簽署的租賃訂單、租賃合同等資訊；上述目標業務訂單資訊也可以為上述租賃訂單、或租賃合同等的原文資訊，也可以為上述租賃訂單、或租賃合同等的密文資訊，還可以是上述租賃訂單、或租賃合同等的雜湊摘要資訊，等等。
值得注意的是，當上述業務提供方節點設備將目標業務訂單的雜湊摘要資訊存證於區塊鏈的分散式資料庫時，為完成保單產生業務，保險服務方節點設備還需在與上述業務提供方節點設備的鏈外通信中獲得上述目標業務訂單的原文。
在本實施例中，將上述目標業務訂單資訊存證於區塊鏈的分散式資料庫中，既為保險服務方節點設備獲取真實有效的目標業務訂單資訊而產生相應的保單資訊提供了資料基礎，又為以後可能發生的司法機構取證提供了真實有效的資料基礎。
步驟104，基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生。
在本說明書中所描述的交易(transfer)，是指通過區塊鏈的節點設備創建，並需要最終發佈至區塊鏈的分散式資料庫中的一筆資料。其中，區塊鏈中的交易，存在狹義的交易以及廣義的交易之分。狹義的交易是指用户向區塊鏈發佈的一筆價值轉移；例如，在傳統的比特幣區塊鏈網路中，交易可以是用户在區塊鏈中發起的一筆轉帳。而廣義的交易是指用户向區塊鏈發佈的一筆具有業務意圖的業務資料；例如，本說明書的上述實施例所述的、為保險服務方節點設備基於上述業務提供方提供的目標業務訂單而產生的目標保單內容進行存證的資料(即投保憑證)即可以為一筆交易；上述保險服務方節點設備可將上述目標保單內容按照預設的資料內容產生規則產生投保憑證，再將投保憑證按照預設的交易資料格式整理轉化為一筆交易——即投保憑證交易。
本實施力所述的基於所述目標業務訂單資訊為所述業務提供方產生投保憑證交易的具體方式可以有多種，例如，可將基於所述目標業務訂單資訊產生的目標保單內容直接按照預設的交易資料格式整理成投保憑證交易，從而方便區塊鏈上任一節點設備對上述目標保單內容的獲取。又如，由於用户的目標保單內容通常涉及業務提供方或/及業務提供方的用户的身份資訊、資金流轉資訊等隱私資訊，為保護資訊安全、防止資訊濫用，可以將上述目標保單內容基於預設的加密規則加密後，再產生投保憑證交易。上述預設的加密規則可以有多種設置方法，如對稱加密或非對稱加密，在本說明書中不作限定。
對資料原文進行數學雜湊化處理以產生資料原文的雜湊摘要(或稱雜湊指紋)是本領域常用的一種對資料原文的存證手段，通過存證雜湊摘要基本上可唯一性地指向資料原文資訊；而且雜湊摘要佔用的資料空間相對於資料原文，尤其是大資料量的資料原文，具有佔用空間小的優點。鑒於以上的技術基礎，本實施例所述的投保憑證交易還可包括上述目標保單內容的雜湊摘要；通過將目標保單內容的雜湊摘要存證於區塊鏈的分散式資料庫中，可在取證時，驗證上述目標保單內容是否與被存證的雜湊摘要(即投保憑證)對應，如果對應，則證明上述目標保單內容為原始的資訊，未經過篡改，具有作為證據的合法性。
步驟106，將所述投保憑證交易發送到所述區塊鏈的分散式資料庫，以使所述投保憑證交易被所述區塊鏈的節點設備共識驗證後，被收錄於所述區塊鏈的分散式資料庫。
本實施例所述的將所述投保憑證交易上傳到所述區塊鏈的分散式資料庫中的詳細過程，可依據所述區塊鏈的共識機制及交易規則而具體設定。在一示出的實施例中，將所述投保憑證交易上傳到所述區塊鏈的分散式資料庫中，包括:
所述區塊鏈中具有記帳許可權的節點設備將所述投保憑證交易加入到候選區塊；
從所述具有記帳許可權的節點設備中確定滿足所述區塊鏈共識機制的共識記帳節點設備；
所述共識記帳節點向所述區塊鏈的節點設備廣播所述候選區塊；
在所述候選區塊通過所述區塊鏈符合預設數量的節點設備的驗證認可後，所述候選區塊被視為最新區塊，加入到所述區塊鏈的分散式資料庫中。
在上述的實施例中，具有記帳許可權的節點設備是指具有產生候選區塊許可權的節點設備。根據所述區塊鏈的共識機制，可從所述候選區塊具有記帳許可權的節點設備中確定共識記帳節點設備，上述共識機制可以包括工作量證明機制(PoW)、或權利證明機制(PoS)、或股份授權證明機制(DPoS)等。
PoS或DPoS共識機制與PoW類似，均屬於公有區塊鏈中確認共識記帳節點設備所常選用的共識演算法。在又一示出的實施例中，為降低交易或資料的確認時間、提高交易輸送量、滿足對安全和性能的需求，本說明書所提供的實施例還可選用聯盟鏈架構來構建該區塊鏈。上述業務提供方節點設備、保險服務方節點設備、及/或對保險服務業務實行監管的機構、對金融服務業務實行監管的機構、司法機構等可作為該聯盟鏈的預選的聯盟成員節點設備，參與區塊的記帳。聯盟鏈的共識過程也由該預選的節點設備控制，當網路上有超過設定比例(如2/3)的節點設備確認一個區塊，該區塊記錄的交易或資料將得到全網確認。
聯盟鏈通常多採用權益證明或PBFT、RAFT等共識演算法。在實現時，在區塊鏈的每一輪共識開始之前，可以在區塊鏈中的各節點設備中選舉出一台主節點設備，即上述實施例所述的共識記帳節點(比如，每一輪共識都重新選舉出一主節點設備，其它節點設備作為從節點設備)，由主節點設備進一步向發起交易的驗證和共識，並負責基於共識通過的交易資料(或目標資料)為區塊鏈創建最新的區塊。
PBFT演算法作為本說明書所提供的聯盟鏈的共識演算法的一種優選的實施方式，是由於採用該種演算法共識的效率高，可滿足高頻交易量的需求，例如在本實施例中保險服務方節點設備基於多個業務提供方節點設備頻繁發送至區塊鏈的目標業務訂單資訊，而產生的投保憑證交易；且共識的時延很低，基本達到即時處理的要求，能快速即時地在區塊鏈的新生區塊中收錄上述投保憑證交易；而且，將聯盟鏈網路中可信節點作為預選的記帳節點，兼顧了安全性與穩定性；另外，採用PBFT演算法不會消耗過多的電腦算力資源，也不一定需要代幣流通，因此具有良好的可使用性。
基於本實施例提供的存證方法，基於區塊鏈技術的分散式資料庫儲存機制，將目標業務訂單資訊、及基於目標業務訂單資訊產生的投保憑證去中心化地記錄在多個區塊鏈節點中，由區塊鏈節點共同維護，即時進行同步，所有記錄可回溯；而且，基於區塊鏈的共識機制，上述目標業務訂單資訊及基於目標業務訂單資訊產生的投保憑證不會在提供後被篡改，從而保證了存證資料的真實性和安全性；既為基於目標業務訂單資訊產生投保保單提供了真實有效的資料基礎，又為保單資訊內容的真實有效性提供了證據鏈支援。區塊鏈上的任一節點設備(如司法機構節點設備)可從鏈上直接獲取上述目標業務訂單資訊及/或投保憑證，基於區塊鏈的防篡改機制進行取證，從而降低了保險服務方或業務提供方應對業務提供方的用户違約時的訴訟成本。
在又一示出的實施方式中，為提高上述投保憑證產生的效率，上述基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生，和將所述投保憑證交易發送到所述區塊鏈的分散式資料庫，以使所述投保憑證交易被所述區塊鏈的節點設備共識驗證後，被收錄於所述區塊鏈的分散式資料庫的過程可被編譯部署為智慧合約(即第一智慧合約)可執行的投保憑證交易產生邏輯，經過上述區塊鏈的共識節點的共識驗證，將上述第一智慧合約共識上鏈；這樣，通過利用上述業務提供方節點設備發送的目標業務訂單資訊，調用運行在上述區塊鏈上的第一智慧合約，即可基於所述目標業務訂單資訊而產生目標保單內容，再基於上述目標保單內容產生相應的投保憑證交易。本領域的技術人員熟知，智慧合約的運行結果會在經過區塊鏈節點設備的共識驗證後被收錄於區塊鏈的分散式資料庫中，因此，作為上述第一智慧合約的運行結果的投保憑證交易也會在經過區塊鏈節點設備的共識驗證後被收錄於區塊鏈的分散式資料庫中。
在又一示出的實施方式中，上述業務提供方節點設備的理賠申請、上述保險服務方節點設備的理賠受理、核保理賠等流程也可在區塊鏈上完成存證。具體地，上述實施例所述的保險服務方節點設備所執行的存證方法還包括：從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的理賠申請資訊；基於所述理賠申請資訊為所述業務提供方執行理賠。
上述業務提供方節點設備將理賠申請資訊發送到區塊鏈的分散式資料庫中，基於區塊鏈的防篡改機制，既為上述理賠申請資訊進行存證，又方便了保險服務方節點設備基於該理賠申請資訊進行理賠受理、核保理賠等理賠執行流程。
當上述業務提供方為融資租賃服務機構時，上述理賠申請資訊可包括融資租賃承租方的違約證明資訊(如未付租金、或拒還設備等證明資訊)，以協助保險服務方節點設備進行理賠審核。
可選地，上述基於所述理賠申請資訊為所述業務提供方執行理賠的具體過程可以調用部署在區塊鏈上的第二智慧合約執行，上述第二智慧合約聲明有理賠執行邏輯，基於業務提供方節點設備發送的理賠申請資訊，即可自動執行對所述業務提供的理賠行為，例如，可包括對上述理賠申請資訊的審核及對相應理賠方案的執行，等等。
第二智慧合約由於其可以應所述業務提供方節點設備發送的理賠申請資訊的調用可在任何時間自動執行，極大地提高了理賠處理的效率；而且第二智慧合約由區塊鏈的共識機制所保證其聲明的執行邏輯經區塊鏈的共識節點共識驗證後公正公開，且其區塊鏈上透明化的執行方式而有著較低的人為干預、去中心化權威的優勢。本領域的技術人員應知，上述第二智慧合約與上述第一智慧合約可以為部署在區塊鏈上的同一智慧合約，也可以為不同的智慧合約。
具體地，上述為所述業務提供方執行理賠，可以包括產生理賠結果憑證，以使所述理賠結果憑證被收錄於所述區塊鏈的分散式資料庫中，上述理賠結果憑證用以為保險服務方執行的理賠操作內容提供證明，上述理賠操作內容包括執行理賠的具體內容，如理賠金額、支付方式、支付結果等，也可包括不執行理賠的具體內容，如不理賠的原因等。
上述為所述業務提供方執行理賠，還可以包括直接由該第二智慧合約向所述業務提供方節點設備發起理賠金轉帳交易。關於上述理賠金轉帳交易可以理解為經對第二智慧合約的調用，從第二智慧合約的區塊鏈帳戶直接向業務提供方的區塊鏈帳戶匯入(或稱為轉移)對應於該理賠金金額的資產憑證。資產憑證可以對應於區塊鏈內的代幣(token)、數位資產等智慧資產，資產憑證還可以對應於區塊鏈外的現金、證券、優惠券、房產等鏈外資產，本說明書並不對此進行限制。
與上述流程實現對應，本說明書的實施例還提供了基於區塊鏈的存證裝置20。該裝置20可以通過軟體實現，也可以通過硬體或者軟硬體結合的方式實現。以軟體實現為例，作為邏輯意義上的裝置，是通過所在設備的CPU (Central Process Unit，中央處理器)將對應的電腦程式指令讀取到記憶體中運行形成的。從硬體層面而言，除了圖3所示的CPU、記憶體以及記憶體之外，網路風險業務的實現裝置所在的設備通常還包括用於進行無線信號收發的晶片等其他硬體，和/或用於實現網路通信功能的板卡等其他硬體。
圖2所示為本說明書還提供了本說明書還提供了一種基於區塊鏈的存證裝置20，應用於包括業務提供方節點設備和保險服務方節點設備的區塊鏈系統；所述裝置20包括：
獲取單元202，用於從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的目標業務訂單資訊；
產生單元204，用於基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生；
發送單元206，用於將所述投保憑證交易發送到所述區塊鏈的分散式資料庫，以使所述投保憑證交易被所述區塊鏈的節點設備共識驗證後，被收錄於所述區塊鏈的分散式資料庫。
在又一示出的實施方式中，所述產生單元204和發送單元206進一步用於：
調用部署在所述區塊鏈上的第一智慧合約，執行所述第一智慧合約聲明的投保憑證交易產生邏輯，基於目標保單內容產生投保憑證交易，其中，所述目標保單內容基於所述目標業務訂單資訊而產生；以使所述投保憑證交易被收錄於所述區塊鏈的分散式資料庫中。
在又一示出的實施方式中，所述投保憑證包括所述目標保單內容或所述目標保單內容的雜湊摘要。
在又一示出的實施方式中，所述獲取單元202，進一步用於從所述區塊鏈的分散式資料庫上獲取所述業務提供方節點設備發送的理賠申請資訊；
所述裝置還包括執行單元208，用於基於所述理賠申請資訊為所述業務提供方執行理賠。
在又一示出的實施方式中，所述執行單元208，進一步用於：
調用部署在所述區塊鏈上的第二智慧合約，執行所述第二智慧合約聲明的理賠執行邏輯，為所述業務提供方執行理賠。
在又一示出的實施方式中，所述為所述業務提供方執行理賠，包括：
產生理賠結果憑證，以使所述理賠結果憑證被收錄於所述區塊鏈的分散式資料庫中。
在又一示出的實施方式中，所述為所述業務提供方執行理賠，包括：
向所述業務提供方發起理賠金轉帳交易。
在又一示出的實施方式中，所述區塊鏈為聯盟鏈；所述業務提供方節點設備和保險服務方節點設備為所述聯盟鏈的聯盟成員節點設備。
在又一示出的實施方式中，所述業務提供方為融資租賃服務機構。
上述裝置20中各個單元的功能和作用的實現過程具體詳見上述方法中對應步驟的實現過程，相關之處參見方法實施例的部分說明即可，在此不再贅述。
以上所描述的裝置實施例僅僅是示意性的，其中所述作為分離部件說明的單元可以是或者也可以不是物理上分開的，作為單元顯示的部件可以是或者也可以不是物理模組，即可以位於一個地方，或者也可以分佈到多個網路模組上。可以根據實際的需要選擇其中的部分或者全部單元或模組來實現本說明書方案的目的。本領域普通技術人員在不付出創造性勞動的情況下，即可以理解並實施。
上述實施例闡明的裝置、單元、模組，具體可以由電腦晶片或實體實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦，電腦的具體形式可以是個人電腦、膝上型電腦、蜂窩電話、相機電話、智慧型電話、個人數位助理、媒體播放機、導航設備、電子郵件收發設備、遊戲控制台、平板電腦、可穿戴設備或者這些設備中的任意幾種設備的組合。
與上述方法實施例相對應，本說明書的實施例還提供了一種電腦設備，如圖3所示，該電腦設備包括記憶體和處理器。其中，記憶體上儲存有能夠由處理器運行的電腦程式；處理器在運行儲存的電腦程式時，執行本說明書實施例中保險服務方節點設備所執行的基於區塊鏈的存證方法的各個步驟。對上述保險服務方節點設備所執行的基於區塊鏈的存證方法的各個步驟的詳細描述請參見之前的內容，不再重複。
與上述方法實施例相對應，本說明書的實施例還提供了一種電腦可讀儲存媒體，該儲存媒體上儲存有電腦程式，這些電腦程式在被處理器運行時，執行本說明書實施例中保險服務方節點設備所執行的基於區塊鏈的存證方法的各個步驟。對上述保險服務方節點設備所執行的基於區塊鏈的存證方法的各個步驟的詳細描述請參見之前的內容，不再重複。
以上所述僅為本說明書的較佳實施例而已，並不用以限制本說明書，凡在本說明書的精神和原則之內，所做的任何修改、等同替換、改進等，均應包含在本說明書保護的範圍之內。
在一個典型的配置中，計算設備包括一個或多個處理器(CPU)、輸入/輸出介面、網路介面和記憶體。
記憶體可能包括電腦可讀媒體中的非永久性記憶體，隨機存取記憶體(RAM)和/或非揮發性記憶體等形式，如唯讀記憶體(ROM)或快閃記憶體(flash RAM)。記憶體是電腦可讀媒體的示例。
電腦可讀媒體包括永久性和非永久性、可移動和非可移動媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀指令、資料結構、程式的模組或其他資料。
電腦的儲存媒體的例子包括，但不限於相變記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可擦除可程式設計唯讀記憶體(EEPROM)、快閃記憶體或其他記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶磁磁片儲存或其他磁性儲存設備或任何其他非傳輸媒體，可用於儲存可以被計算設備存取的資訊。按照本文中的界定，電腦可讀媒體不包括暫存電腦可讀媒體(transitory media)，如調變的資料信號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本領域技術人員應明白，本說明書的實施例可提供為方法、系統或電腦程式產品。因此，本說明書的實施例可採用完全硬體實施例、完全軟體實施例或結合軟體和硬體方面的實施例的形式。而且，本說明書的實施例可採用在一個或多個其中包含有電腦可用程式碼的電腦可用儲存媒體(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。The exemplary embodiments will be described in detail here, and examples thereof are shown in the drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with one or more embodiments of this specification. On the contrary, they are only examples of devices and methods consistent with some aspects of one or more embodiments of this specification as detailed in the scope of the appended application.
It should be noted that in other embodiments, the steps of the corresponding method may not be executed in the order shown and described in this specification. In some other embodiments, the method includes more or fewer steps than described in this specification. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; and multiple steps described in this specification may also be combined into a single step in other embodiments. description.
Insurance service organizations can provide insurance services for a variety of target business types provided by multiple business providers. Insurance service organizations usually store insurance-related target business data and insurance information in their own servers for underwriting claims or third parties Institutions (such as judicial institutions) conduct investigations and collect evidence.
In order to prevent the insurance service organization’s own server from being maliciously attacked, it is convenient for data tampering, or any third-party organization (such as a judicial institution) to investigate or obtain evidence on the insurance service content of the insurance service organization, an example provided in this manual illustrates A deposit certificate method based on blockchain, as shown in Fig. 1, the method is applied to a blockchain system including a service provider node device and an insurance service provider node device.
The business provider mentioned in this embodiment refers to a service organization that provides business services to users. In order to reduce its own operational risks, the business provider usually insures based on business orders between it and the user. The aforementioned business orders include, but are not limited to, specific forms such as user demand orders, purchase and sales contracts, and lease contracts. Correspondingly, the aforementioned insurance service provider is an insurance service organization that provides insurance and claim settlement services for the business orders of the aforementioned service provider.
In another illustrated embodiment, the above-mentioned service provider may be a financial leasing service organization. Financial leasing is a relatively common form of non-bank finance. It can include a variety of specific implementation methods. The more common one is that the lessor (financial leasing agency) signs a supply contract with a third party (supplier) at the request of the lessee (user). According to this contract, the lessor invests in the purchase of the lease Equipment or objects selected by the person; at the same time, the lessor and the lessee enter into a lease contract to lease the equipment to the lessee and charge the lessee a certain rent. As the lessor, the financial leasing agency bears greater operating risks due to the lessee’s refusal to pay rent or return the equipment. For this reason, the financial leasing agency is willing to cooperate with insurance institutions based on its financial leasing order or contract And purchase the corresponding business insurance to file a claim with the corresponding insurance agency in the event that the lessee refuses to pay the rent or refuses to return the equipment.
The above-mentioned service provider node equipment and the insurance service provider node equipment are the terminal equipment set by the above-mentioned service provider and insurance service provider and connected to the blockchain network.
The blockchain described in this embodiment can specifically refer to a P2P network system with a distributed data storage structure that is reached by each node device through a consensus mechanism. The data in the blockchain is distributed in time connected to each other. Within a "block", the next block contains the data summary of the previous block, and according to the specific consensus mechanism (such as POW, POS, DPOS or PBFT, etc.), all or part of the node data is reached Full backup. Those skilled in the art are well aware that since the blockchain system operates under the corresponding consensus mechanism, it is difficult for the data included in the blockchain database to be tampered with by any node. For example, a blockchain using Pow consensus requires at least full Only 51% of the network's computing power can tamper with existing data. Therefore, the blockchain system has the characteristics of ensuring data security and anti-attack tampering that other centralized database systems cannot match. It can be seen from this that, in the embodiments provided in this specification, the data included in the distributed database of the blockchain will not be attacked or tampered with, thereby ensuring that each node device in the above-mentioned blockchain system transfers to the above-mentioned area. The authenticity and reliability of the data and information deposited by the blockchain.
The terminal devices of the above-mentioned service providers and insurance service providers can join the blockchain by following the corresponding node agreement and running the installation of the node agreement program as the node device of the blockchain. Those skilled in the art usually refer to a node device with full backup of the data of the blockchain distributed database as a full node, and will have partial backup data of the blockchain distributed database (such as data with only the block header) The node device is called a light node, etc.; in this embodiment, the service provider node device or the insurance service provider node device can be the above-mentioned full node or light node, as long as it is directly or indirectly connected to the above-mentioned blockchain and can Any device that sends or obtains data in the distributed database of the blockchain can be referred to as the node device described in this embodiment.
As shown in Figure 1, the above-mentioned blockchain-based evidence deposit method includes:
Step 102: The insurance server node device obtains the target service order information sent by the service provider node device from the distributed database of the blockchain.
The above-mentioned service provider node device sends the order information of the service provider and the user for the target business to the distributed database of the blockchain. Based on the anti-tampering mechanism of the blockchain, the above-mentioned target business order information can be recorded. It can also enable other node devices on the blockchain to obtain the corresponding target business order information for further applications. For example, after the insurance service party node device obtains the corresponding target business order information, it generates information based on the business order information The corresponding insurance policy.
When the above-mentioned service provider is a financial leasing service organization, the above-mentioned target business order information may include information such as lease orders and lease contracts signed by the financial leasing service organization and the tenant user; the above-mentioned target business order information may also be the above-mentioned lease order, or The original information of the lease contract, etc., may also be the cipher text information of the above-mentioned lease order, or the lease contract, or the hashed summary information of the above-mentioned lease order, or the lease contract, etc.
It is worth noting that when the above-mentioned service provider node device stores the hash summary information of the target business order in the distributed database of the blockchain, in order to complete the insurance policy generation business, the insurance service side node device also needs to communicate with the above-mentioned business Obtain the original text of the above-mentioned target business order in the off-chain communication of the provider node device.
In this embodiment, storing the above-mentioned target business order information in the distributed database of the blockchain provides a data basis for the insurance service party node equipment to obtain true and effective target business order information and generate corresponding insurance policy information It also provides a true and effective data basis for the possible future evidence collection by judicial institutions.
Step 104: Generate an insurance voucher transaction based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information.
The transfer described in this manual refers to a piece of data that is created by the node device of the blockchain and needs to be finally released to the distributed database of the blockchain. Among them, transactions in the blockchain are divided into narrow transactions and broad transactions. A narrowly defined transaction refers to a transfer of value issued by a user to the blockchain; for example, in a traditional Bitcoin blockchain network, a transaction can be a transfer initiated by the user in the blockchain. In a broad sense, a transaction refers to a piece of business data with business intent released by a user to the blockchain; for example, as described in the above-mentioned embodiment of this specification, the node device of the insurance service provider is based on the target business order provided by the above-mentioned service provider. The generated target policy content can be recorded as a transaction (that is, the insurance certificate) as a transaction; the above-mentioned insurance service party node device can generate the insurance certificate according to the preset data content generation rules for the target policy content, and then the insurance certificate according to The preset transaction data format is organized and transformed into a transaction—namely, an insurance certificate transaction.
The specific methods of generating insurance voucher transactions for the business provider based on the target business order information described in this implementation force can be various. For example, the target insurance policy content generated based on the target business order information can be directly preset The transaction data format is organized into insurance voucher transactions, so as to facilitate any node device on the blockchain to obtain the content of the above-mentioned target insurance policy. In another example, since the content of the user’s target insurance policy usually involves the service provider’s or/and service provider’s user’s identity information, capital flow information, and other private information, in order to protect information security and prevent information abuse, the above target policy content can be based After the set encryption rules are encrypted, insurance certificate transactions are generated. The aforementioned preset encryption rules can have multiple setting methods, such as symmetric encryption or asymmetric encryption, which are not limited in this specification.
Mathematically hashing the original data to generate a hash abstract (or hash fingerprint) of the original data is a commonly used method in the field to record the original data. The hash abstract can basically uniquely point to the original information through the evidence ; And the data space occupied by the hash summary is compared with the original data, especially the original data with a large amount of data, which has the advantage of taking up less space. In view of the above technical foundation, the insurance voucher transaction described in this embodiment can also include the hashed summary of the content of the target policy; by storing the hashed summary of the content of the target policy in the distributed database of the blockchain, it can be used for evidence collection. At the time, verify whether the content of the target policy corresponds to the hashed summary (ie, the insurance certificate) that is deposited. If it corresponds, it proves that the content of the target policy is original information, has not been tampered with, and has the legitimacy as evidence.
Step 106: Send the insurance certificate transaction to the distributed database of the blockchain, so that the insurance certificate transaction is included in the blockchain after being verified by the node device consensus of the blockchain Decentralized database.
The detailed process of uploading the insurance certificate transaction to the distributed database of the blockchain described in this embodiment can be specifically set according to the consensus mechanism and transaction rules of the blockchain. In an illustrated embodiment, uploading the insurance certificate transaction to the distributed database of the blockchain includes:
Adding the insured voucher transaction to the candidate block by the node device with accounting permission in the blockchain;
Determine a consensus accounting node device that satisfies the blockchain consensus mechanism from the node devices with accounting permission;
The consensus accounting node broadcasts the candidate block to the node device of the blockchain;
After the candidate block is verified and approved by the blockchain to meet the preset number of node devices, the candidate block is regarded as the latest block and added to the distributed database of the blockchain.
In the above-mentioned embodiment, the node device that has the right to billing refers to the node device that has the right to generate candidate blocks. According to the consensus mechanism of the block chain, the consensus accounting node device can be determined from the node devices with accounting permission of the candidate block. The above-mentioned consensus mechanism may include a proof-of-work mechanism (PoW) or a proof-of-right mechanism (PoS). ), or share authorization certificate mechanism (DPoS), etc.
The PoS or DPoS consensus mechanism is similar to PoW, and both belong to the consensus algorithm commonly used by the public blockchain to confirm the consensus accounting node equipment. In another illustrated embodiment, in order to reduce the confirmation time of transactions or data, increase transaction throughput, and meet the requirements for security and performance, the embodiments provided in this specification can also use the alliance chain architecture to construct the block chain. The above-mentioned service provider node equipment, insurance service provider node equipment, and/or institutions that supervise insurance service businesses, institutions that supervise financial service businesses, judicial institutions, etc. can be used as pre-selected alliance member node devices of the alliance chain, Participate in the accounting of the block. The consensus process of the alliance chain is also controlled by the pre-selected node device. When there are more than a set ratio (such as 2/3) of node devices on the network to confirm a block, the transaction or data recorded in the block will be confirmed by the entire network.
Consortium chains usually use proof of rights or consensus algorithms such as PBFT and RAFT. In implementation, before the start of each round of consensus in the blockchain, a master node device can be selected from each node device in the blockchain, that is, the consensus accounting node described in the above embodiment (for example, each round of consensus A master node device is re-elected, and other node devices are used as slave node devices. The master node device further initiates transaction verification and consensus, and is responsible for creating the latest blockchain based on the transaction data (or target data) passed by the consensus. Block.
The PBFT algorithm, as a preferred implementation of the consensus algorithm of the alliance chain provided in this specification, is due to the high efficiency of the consensus algorithm and can meet the needs of high-frequency transaction volume. For example, in this embodiment, insurance The server node device is based on the target business order information frequently sent to the blockchain by multiple service provider node devices, and the insurance certificate transaction is generated; and the consensus delay is very low, which basically meets the requirements of real-time processing, and can be quickly and instantly The above-mentioned insurance certificate transactions are included in the new block of the blockchain; moreover, the trusted node in the alliance chain network is used as the pre-selected accounting node, which takes into account security and stability; in addition, the PBFT algorithm will not consume too much The computing resources of the computer do not necessarily need token circulation, so it has good usability.
Based on the certificate deposit method provided in this embodiment, the distributed database storage mechanism based on blockchain technology decentrally records the target business order information and the insurance certificate generated based on the target business order information on multiple blockchains The nodes are jointly maintained by the blockchain nodes and synchronized in real time. All records can be traced back. Moreover, based on the consensus mechanism of the blockchain, the above-mentioned target business order information and the insurance certificate generated based on the target business order information will not be provided afterwards. It has been tampered with to ensure the authenticity and security of the deposited information; it not only provides a true and effective data basis for generating insurance policies based on the target business order information, but also provides evidence chain support for the authenticity and validity of the policy information content. Any node device on the blockchain (such as a judicial institution node device) can directly obtain the above-mentioned target business order information and/or insurance certificate from the chain, and obtain evidence based on the anti-tampering mechanism of the blockchain, thereby reducing insurance service providers Or the service provider should deal with the litigation costs of the service provider’s user breach of contract.
In another illustrated embodiment, in order to improve the efficiency of generating the insurance certificate, the insurance certificate transaction is generated based on the content of the target insurance policy, wherein the content of the target insurance policy is generated based on the target business order information, and the The insured voucher transaction is sent to the distributed database of the blockchain, so that the insured voucher transaction is included in the distributed database of the blockchain after being verified by the node device consensus of the blockchain The process can be compiled and deployed as a smart contract (i.e. the first smart contract) executable insured voucher transaction generation logic. After the consensus verification of the consensus node of the above-mentioned blockchain, the above-mentioned first smart contract consensus is uploaded to the chain; in this way, by using The target business order information sent by the above-mentioned service provider node device calls the first smart contract running on the above-mentioned blockchain to generate the target policy content based on the target business order information, and then generate the corresponding content based on the above-mentioned target policy content Transaction of insurance certificates. Those skilled in the art are well aware that the operation result of the smart contract will be included in the distributed database of the blockchain after the consensus verification of the blockchain node device. Therefore, as an insurance for the operation result of the first smart contract mentioned above Voucher transactions will also be included in the distributed database of the blockchain after being verified by the consensus of the blockchain node equipment.
In another embodiment shown, the claims application of the above-mentioned service provider node device, the above-mentioned insurance service provider node device's claim settlement, underwriting claims and other processes can also be deposited on the blockchain. Specifically, the deposit method executed by the insurance service provider node device described in the above embodiment further includes: obtaining the claims application information sent by the service provider node device from the distributed database of the blockchain; The claim settlement application information executes the claim settlement for the service provider.
The above-mentioned service provider node equipment sends the claim application information to the distributed database of the blockchain. The anti-tampering mechanism based on the blockchain not only stores the above-mentioned claim application information, but also facilitates the insurance service provider’s node equipment based on The claim application information is used for the claims processing such as claim acceptance and underwriting claims.
When the above-mentioned business provider is a financial leasing service agency, the above-mentioned claim application information may include the financial leasing lessee’s proof of breach of contract information (such as unpaid rent, or refusal to return equipment, etc.) to assist the insurance service party’s node equipment in claim settlement Audit.
Optionally, the foregoing specific process of executing claims for the service provider based on the claims application information may call a second smart contract deployed on the blockchain for execution. The second smart contract states that there is a claim execution logic based on the business The claim settlement application information sent by the provider node device can automatically execute the claim settlement action provided for the business, for example, it may include the review of the above-mentioned claim settlement application information and the execution of the corresponding claim settlement plan, and so on.
Because the second smart contract can be automatically executed at any time in response to the call of the claim application information sent by the service provider node device, it greatly improves the efficiency of claims processing; and the second smart contract is implemented by the consensus mechanism of the blockchain It is guaranteed that the execution logic of its statement is fair and open after being verified by the consensus node consensus of the blockchain, and its transparent execution method on the blockchain has the advantage of lower human intervention and decentralized authority. Those skilled in the art should know that the above-mentioned second smart contract and the above-mentioned first smart contract may be the same smart contract deployed on the blockchain, or may be different smart contracts.
Specifically, the foregoing execution of claims for the service provider may include generating a claim result certificate, so that the claim result certificate is included in the distributed database of the blockchain, and the above claim result certificate is used for insurance services Provide proof of the content of the claim settlement operation performed by the party. The above-mentioned claim settlement operation content includes the specific content of the execution of the claim, such as the amount of the claim, the payment method, and the payment result. It may also include the specific content of the non-execution of the claim, such as the reason for the non-payment.
The foregoing execution of claim settlement for the service provider may also include directly initiating a claim payment transfer transaction to the service provider node device by the second smart contract. Regarding the above-mentioned claim payment transfer transaction, it can be understood that the transfer of the second smart contract from the blockchain account of the second smart contract directly to the blockchain account of the service provider (or transfer) corresponds to the claim settlement The asset certificate of the gold amount. Asset certificates can correspond to smart assets such as tokens and digital assets in the blockchain. Asset certificates can also correspond to off-chain assets such as cash, securities, coupons, and real estate outside the blockchain. This manual is not correct. This is limited.
Corresponding to the implementation of the above process, the embodiment of this specification also provides a blockchain-based certificate storage device 20. The device 20 can be implemented by software, or can be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions into the memory by the CPU (Central Process Unit, central processing unit) of the device where it is located. From the hardware level, in addition to the CPU, memory, and memory shown in Figure 3, the equipment where the network risk business is implemented usually also includes other hardware such as chips for wireless signal transmission and reception, and / Or other hardware such as boards used to implement network communication functions.
Figure 2 shows this specification also provides this specification also provides a blockchain-based certificate storage device 20, which is applied to a blockchain system including a service provider node device and an insurance server node device; the device 20 include:
The obtaining unit 202 is configured to obtain the target service order information sent by the service provider node device from the distributed database of the blockchain;
The generating unit 204 is configured to generate an insurance certificate transaction based on the content of a target insurance policy, wherein the content of the target insurance policy is generated based on the target business order information;
The sending unit 206 is configured to send the insurance voucher transaction to the distributed database of the blockchain, so that the insurance voucher transaction is recorded in the blockchain after being verified by the node device consensus of the blockchain Decentralized database of blockchain.
In another embodiment shown, the generating unit 204 and the sending unit 206 are further configured to:
Call the first smart contract deployed on the blockchain, execute the insurance voucher transaction generation logic declared by the first smart contract, and generate an insurance voucher transaction based on the target policy content, wherein the target policy content is based on the target Business order information is generated; so that the insurance voucher transaction is included in the distributed database of the blockchain.
In another illustrated embodiment, the insurance application certificate includes the content of the target policy or a hash summary of the content of the target policy.
In another illustrated embodiment, the obtaining unit 202 is further configured to obtain the claims application information sent by the service provider node device from the distributed database of the blockchain;
The device also includes an execution unit 208, configured to execute claims for the service provider based on the claims application information.
In another embodiment shown, the execution unit 208 is further configured to:
The second smart contract deployed on the blockchain is invoked, the claim settlement execution logic declared by the second smart contract is executed, and the claim settlement is executed for the service provider.
In another illustrated embodiment, the executing claims settlement for the service provider includes:
The claim settlement result certificate is generated, so that the claim settlement result certificate is included in the distributed database of the blockchain.
In another illustrated embodiment, the executing claims settlement for the service provider includes:
Initiate a claim payment transfer transaction to the service provider.
In another illustrated embodiment, the blockchain is a consortium chain; the service provider node device and the insurance service provider node device are the alliance member node devices of the consortium chain.
In another illustrated embodiment, the service provider is a financial leasing service organization.
For the implementation process of the functions and roles of each unit in the above-mentioned device 20, please refer to the implementation process of the corresponding steps in the above-mentioned method. For related parts, please refer to the part of the description of the method embodiment, which will not be repeated here.
The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical modules, that is, Located in one place, or it can be distributed to multiple network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement it without creative work.
The devices, units, and modules described in the foregoing embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. The specific form of the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email receiving and sending device, and a game control A console, a tablet, a wearable device, or a combination of any of these devices.
Corresponding to the foregoing method embodiment, the embodiment of this specification also provides a computer device. As shown in FIG. 3, the computer device includes a memory and a processor. Among them, the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes each of the blockchain-based deposit methods executed by the insurance server node device in the embodiment of this specification step. For a detailed description of each step of the blockchain-based deposit method executed by the above-mentioned insurance service party node device, please refer to the previous content, and will not be repeated.
Corresponding to the above-mentioned method embodiments, the embodiments of this specification also provide a computer-readable storage medium on which computer programs are stored. These computer programs execute the insurance services in the embodiments of this specification when they are run by the processor. Each step of the blockchain-based deposit method executed by the party node device. For a detailed description of each step of the blockchain-based deposit method executed by the above-mentioned insurance service party node device, please refer to the previous content, and will not be repeated.
The above descriptions are only preferred embodiments of this specification and are not intended to limit this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included in this specification Within the scope of protection.
In a typical configuration, the computing device includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.
Memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer-readable media includes permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. Information can be computer-readable instructions, data structures, program modules, or other data.
Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), and other types of random access memory (RAM) , Read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, read-only CD-ROM (CD-ROM), digital multi-function Optical discs (DVD) or other optical storage, magnetic cassettes, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.
It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or include elements inherent to this process, method, commodity, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity or equipment including the element.
Those skilled in the art should understand that the embodiments of this specification can be provided as methods, systems or computer program products. Therefore, the embodiments of this specification may adopt the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification can adopt computer programs implemented on one or more computer-usable storage media (including but not limited to magnetic disk memory, CD-ROM, optical memory, etc.) containing computer-usable program codes. The form of the product.
