CN109636627A - Insurance products management method, device, medium and electronic equipment based on block chain - Google Patents
Insurance products management method, device, medium and electronic equipment based on block chain Download PDFInfo
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- CN109636627A CN109636627A CN201811476141.5A CN201811476141A CN109636627A CN 109636627 A CN109636627 A CN 109636627A CN 201811476141 A CN201811476141 A CN 201811476141A CN 109636627 A CN109636627 A CN 109636627A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The embodiment of the invention provides a kind of insurance products management method, device, medium and electronic equipments based on block chain, the insurance products management method based on block chain includes: the history insurance products data obtained in block chain network, and extracts the primary products feature in history insurance products data and management rules feature corresponding with primary products feature；The validity date of feature and management rules feature generates target two-dimensional feature vector under the regulations for the administration；The insurance products data to be processed in block chain network are obtained, and extract the product feature to be processed in insurance products data to be processed；According to product feature to be processed and target two-dimensional feature vector, judge whether insurance products data to be processed close rule.The technical solution of the embodiment of the present invention can be realized to be judged whether insurance products data to be processed close rule automatically, is improved the treatment effeciency to insurance products data to be processed, is saved human cost.
Description
Technical field
The present invention relates to block chain technical fields, in particular to a kind of insurance products manager based on block chain
Method, insurance products managing device, computer readable storage medium and electronic equipment based on block chain.
Background technique
Currently, most of is all insurance company oneself according to insurance in the management method for whether closing rule to insurance products
Regulation regulations carry out private judgement, therefore the accuracy of judging result is lower；Also, due to no more reliable manager
Method, so that insurance products are easy to cause user misleading, the new regulation of violation supervision and price unreasonable during sale
The problems such as, so that the experience of user is poor.
Accordingly, it is desirable to provide a kind of new insurance products management method and device.
It should be noted that information is only used for reinforcing the reason to background of the invention disclosed in above-mentioned background technology part
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The embodiment of the present invention is designed to provide a kind of insurance products management method based on block chain, based on block chain
Insurance products managing device, computer readable storage medium and electronic equipment, and then overcome guarantor at least to a certain extent
Whether dangerous product closes the lower problem of judging result accuracy rate of rule.
Other characteristics and advantages of the invention will be apparent from by the following detailed description, or partially by the present invention
Practice and acquistion.
According to a first aspect of the embodiments of the present invention, a kind of insurance products management method based on block chain is provided, is wrapped
It includes:
The history insurance products data in block chain network are obtained, and are extracted original in the history insurance products data
Product feature and management rules feature corresponding with the primary products feature；
Target two-dimensional feature vector is generated according to the validity date of the management rules feature and management rules feature；
The insurance products data to be processed in the block chain network are obtained, and extract the insurance products data to be processed
In product feature to be processed；
According to the product feature to be processed and the target two-dimensional feature vector, the insurance products to be processed are judged
Whether data close rule.
In some embodiments of the invention, aforementioned schemes are based on, the insurance in the history insurance products data is extracted
Product feature includes:
Classify to the history insurance products data, obtains the first product category of the history insurance products；
According to the corresponding pre-set product feature of first product category, successively extract in the history insurance products data
Insurance products feature.
In some embodiments of the invention, aforementioned schemes are based on, according to the product feature to be processed and the mesh
Two-dimensional feature vector is marked, judges whether the insurance products data to be processed close rule and include:
According to the second product category belonging to the insurance products data to be processed, search and second product category pair
The target two-dimensional feature vector answered；
The management rules feature for including in the product feature to be processed and the target two-dimensional feature vector is carried out
It compares one by one and obtains comparison result；
According to the comparison result, judge whether the insurance products data to be processed close rule.
In some embodiments of the invention, aforementioned schemes are based on, to the product feature to be processed and the target two
The management rules feature that includes in dimensional feature vector, which compare one by one, to be obtained comparison result and includes:
According to the validity date of the insurance products data to be processed, the generation day of the product feature to be processed is obtained
Phase；
Two-dimensional feature vector to be processed is generated according to the product feature to be processed and the date of formation；
The target bivector and the two-dimensional feature vector to be processed are compared one by one, obtain the comparison
As a result.
In some embodiments of the invention, the guarantor to be processed is judged according to the comparison result based on aforementioned schemes
Whether dangerous product data close rule
If the comparison result is the date of formation within the validity date, judge that the insurance to be processed produces
Product data close rule.
In some embodiments of the invention, aforementioned schemes are based on, to the product feature to be processed and the two dimension
The management rules feature for including in feature vector, which compare one by one, obtains comparison result further include:
Judge that the product feature to be processed whether there is in the management rules feature；
If the product feature to be processed is present in the management rules feature, to the product feature to be processed
And the management rules feature in the two-dimensional feature vector including compare one by one and obtains comparison result.
In some embodiments of the invention, aforementioned schemes, the insurance products management method based on block chain are based on
Further include:
If the product feature to be processed is not present in the management rules feature, obtain and second product
The corresponding processed insurance products data of classification；
It extracts in the processed insurance products data, processed product feature corresponding with the product feature to be processed
Processing result；
According to the processing result of the processed product feature, the comparison result of the product feature to be processed is obtained.
According to a second aspect of the embodiments of the present invention, a kind of insurance products managing device based on block chain is provided, is wrapped
It includes:
First extraction module for obtaining the history insurance products data in block chain network, and extracts the history and protects
Primary products feature and management rules feature corresponding with the primary products feature in dangerous product data；
Feature vector generation module, for raw according to the validity date of the management rules feature and management rules feature
At two-dimensional feature vector；
Second extraction module, for obtaining the insurance products data to be processed in the block chain network, and described in extraction
Product feature to be processed in insurance products data to be processed；
Judgment module, for according to the product feature to be processed and the two-dimensional feature vector, judgement to be described wait locate
Whether reason insurance products data close rule.
In some embodiments of the invention, aforementioned schemes are based on, the first extraction module can be configured as:
Classify to the history insurance products data, obtains the first product category of the history insurance products；
According to the corresponding pre-set product feature of first product category, successively extract in the history insurance products data
Insurance products feature.
In some embodiments of the invention, aforementioned schemes are based on, judgment module can be configured as:
According to the second product category belonging to the insurance products data to be processed, search and second product category pair
The target two-dimensional feature vector answered；
The management rules feature for including in the product feature to be processed and the target two-dimensional feature vector is carried out
It compares one by one and obtains comparison result；
According to the comparison result, judge whether the insurance products data to be processed close rule.
In some embodiments of the invention, aforementioned schemes are based on, judgment module can be additionally configured to:
According to the validity date of the insurance products data to be processed, the generation day of the product feature to be processed is obtained
Phase；
Two-dimensional feature vector to be processed is generated according to the product feature to be processed and the date of formation；
The target bivector and the two-dimensional feature vector to be processed are compared one by one, obtain the comparison
As a result.
In some embodiments of the invention, aforementioned schemes are based on, judgment module can be additionally configured to:
If the comparison result is the date of formation within the validity date, judge that the insurance to be processed produces
Product data close rule.
In some embodiments of the invention, be based on aforementioned schemes, judgment module can be additionally configured to include:
Judge that the product feature to be processed whether there is in the management rules feature；
If the product feature to be processed is present in the management rules feature, to the product feature to be processed
And the management rules feature in the two-dimensional feature vector including compare one by one and obtains comparison result.
In some embodiments of the invention, aforementioned schemes, the insurance products managing device based on block chain are based on
Can also include:
Module is obtained to obtain if be not present in the management rules feature for the product feature to be processed
Processed insurance products data corresponding with second product category；
Third extraction module, for extracting in the processed insurance products data, with the product feature pair to be processed
The processing result for the processed product feature answered；
Comparison result generation module obtains described to be processed for the processing result according to the processed product feature
The comparison result of product feature.
According to a third aspect of the embodiments of the present invention, a kind of computer-readable medium is provided, computer is stored thereon with
Program realizes that the insurance based on block chain as described in first aspect in above-described embodiment produces when described program is executed by processor
Product management method.
According to a fourth aspect of the embodiments of the present invention, a kind of electronic equipment is provided, comprising: one or more processors；
Storage device, for storing one or more programs, when one or more of programs are held by one or more of processors
When row, so that one or more of processors realize the insurance based on block chain as described in first aspect in above-described embodiment
Product management method.
Technical solution provided in an embodiment of the present invention can include the following benefits:
In the technical solution provided by some embodiments of the present invention, on the one hand, by obtaining in block chain network
History insurance products data, and extract the primary products feature in history insurance products data and corresponding with primary products feature
Management rules feature；Under the regulations for the administration the validity date of feature and management rules feature generate target two dimensional character to
Amount；The insurance products data to be processed in block chain network are obtained, and extract the production to be processed in insurance products data to be processed
Product feature；So that history insurance products data and insurance products data to be processed can be deposited by block chain network
Storage, and then can guarantee that history insurance products data and insurance products data to be processed are not tampered, and also can be realized
The trackability of history insurance products data and insurance products data to be processed, solves in the prior art due to human factor
Caused by insurance products whether close the lower problem of judging result accuracy rate of rule, while also avoiding insurance company's arbitrary imposition of fees
Phenomenon, the user experience is improved.On the other hand, by according to product feature to be processed and target two-dimensional feature vector, judgement
Whether insurance products data to be processed close rule；It can be realized and judge automatically whether insurance products data to be processed close rule,
The treatment effeciency to insurance products data to be processed is improved, human cost is saved；In another aspect, due to history insurance products
Data and insurance products data to be processed are stored in block chain network, so that other users can also be to each insurance products
Whether conjunction rule are checked, avoid the occurrence of the case where accidentally being deceived by insurance company.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
It can the limitation present invention.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows and meets implementation of the invention
Example, and be used to explain the principle of the present invention together with specification.It should be evident that the accompanying drawings in the following description is only the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.In the accompanying drawings:
Fig. 1 diagrammatically illustrates the process of the insurance products management method based on block chain of embodiment according to the present invention
Figure.
Fig. 2 diagrammatically illustrates according to an embodiment of the invention according to the product feature to be processed and described
Target two-dimensional feature vector, judges whether the insurance products data to be processed close the method flow diagram of rule.
Fig. 3 diagrammatically illustrates another insurance products manager based on block chain of embodiment according to the present invention
The flow chart of method.
Fig. 4 diagrammatically illustrates the process of the insurance products management method based on block chain of embodiment according to the present invention
Figure.
Fig. 5 diagrammatically illustrates the realization self-service management of insurance products in block chain network of embodiment according to the present invention
The block diagram of system；
Fig. 6 diagrammatically illustrates the frame of the insurance products managing device based on block chain of embodiment according to the present invention
Figure.
Fig. 7 shows the structural schematic diagram for being suitable for the computer system for the electronic equipment for being used to realize the embodiment of the present invention.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the present invention will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to the embodiment of the present invention.However,
It will be appreciated by persons skilled in the art that technical solution of the present invention can be practiced without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy each aspect of the present invention.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Fig. 1 diagrammatically illustrates the insurance products management method based on block chain according to first embodiment of the invention
Flow chart, the executing subject of the management method can be server or terminal device etc..
As shown in Figure 1, the insurance products management method based on block chain according to first embodiment of the invention, including
Following steps S110, step S120, step S130 and step S140, are illustrated in detailed below:
In step s 110, the history insurance products data in block chain network are obtained, and extracts the history insurance and produces
Primary products feature and management rules feature corresponding with the primary products feature in product data.
In this example embodiment, history insurance products data may include: product insure condition, ensure rule, reason
It pays for clause, payment, renew condition etc. and the newest regulations of rules of correlation of regulatory agency and effective date etc.；It can be with
The associated materials such as audio, video, image including proof associated materials can also be uploaded to block chain, according to the storage of block chain
Insurance products close the secret protections (rights management, watermarking etc.) such as rule management information；Primary products feature for example may include throwing
Guarantor's condition ensures rule, declaration form bonus, payment of insurance money, surrender value equity, renews condition etc.；Management rules feature
It may include the condition of insuring, ensure rule, declaration form bonus, payment of insurance money, surrender value equity, renew condition etc., originally show
There is no special restriction on this for example.
In this example embodiment, it can first classify to the history insurance products data, obtain the history
First product category of insurance products；According to the corresponding pre-set product feature of first product category, successively gone through described in extraction
Insurance products feature in history insurance products data.For example, history insurance products data can be divided into annuity, weight physician
Treat insurance, health insurance and education danger etc.；For this sentences the first product category as annuity or weight disease medical insurance
It is illustrated.For example, the pre-set product feature of annuity may include: the condition of insuring, ensure rule, declaration form bonus, insurance
Expense is paid, surrender value equity, renews condition etc.；Weight disease medical insurance pre-set product feature may include: the condition of insuring,
Ensure rule, payment of insurance money, surrender value equity, disease definition etc..It further, can be according to the pre-set product feature
Insurance products feature is successively extracted from history insurance products data；Insurance is successively extracted according still further to the insurance products feature of extraction
Management rules feature corresponding with each insurance products feature in management rules.In this way, insurance products feature can be improved
Extraction rate, and more can comprehensively extract all insurance products features in history insurance products data, Jin Erti
The high accuracy rate of insurance products feature extractions.
In the step s 120, target two is generated according to the validity date of the management rules feature and management rules feature
Dimensional feature vector.
In this example embodiment, management rules feature can be indicated are as follows: Y=[Y1, Y2 ... Yn]；Wherein, each
The attribute of feature is consistent with the characteristic attribute of insurance products, is not then sky null；It further, can will will be in regulations of rules
Effective date [t1, t2 ... tn] of each characteristic attribute also mark in feature vector, generate a two dimensional character to
Amount Yt=[[Y1, Y2 ... Yn] [t1, t2 ... tn]].
In step s 130, the insurance products data to be processed in the block chain network are obtained, and are extracted described wait locate
Manage the product feature to be processed in insurance products data.
In this example embodiment, can the classification according to belonging to insurance products data to be processed, successively to be processed
Product feature to be processed in insurance products data extracts.
In step S140, according to the product feature to be processed and the target two-dimensional feature vector, described in judgement
Whether insurance products data to be processed close rule.
In the technical solution of embodiment illustrated in fig. 1, on the one hand, by obtaining the history insurance products number in block chain network
According to, and extract the primary products feature in history insurance products data and management rules corresponding with primary products feature spy
Sign；The validity date of feature and management rules feature generates target two-dimensional feature vector under the regulations for the administration；Obtain block chain
Insurance products data to be processed in network, and extract the product feature to be processed in insurance products data to be processed；So that going through
History insurance products data and insurance products data to be processed can be stored by block chain network, and then can be protected
Card history insurance products data and insurance products data to be processed are not tampered, and also can be realized history insurance products number
Accordingly and the trackability of insurance products data to be processed, the insurance products as caused by human factor in the prior art are solved
The lower problem of the judging result accuracy rate whether conjunction is advised, while the phenomenon that insurance company claims for charge at random is also avoided, improve use
Family experience.On the other hand, by judging insurance products to be processed according to product feature to be processed and target two-dimensional feature vector
Whether data close rule；It can be realized and judge automatically whether insurance products data to be processed close rule, improve to be processed
The treatment effeciency of insurance products data, saves human cost；In another aspect, due to history insurance products data and to be processed
Insurance products data are stored in block chain network, are looked into so that whether other users can also close rule to each insurance products
It sees, avoids being cheated.
In one embodiment of the invention, refering to what is shown in Fig. 2, it is according to an embodiment of the invention according to
Product feature and the target two-dimensional feature vector are handled, judges whether the insurance products data to be processed close the side of rule
Method may include steps of:
Step S210 is searched and described second according to the second product category belonging to the insurance products data to be processed
The corresponding target two-dimensional feature vector of product category.
In this example embodiment, for example, when the second product category attaches most importance to disease medical insurance, target two dimensional character to
Amount for example may is that Yt={ [Y1, Y2, Y3, Y4, Y5] [t1, t2, t3, t4, t5] }；Wherein, Y1 is condition of insuring, and Y2 is to protect
Barrier rule, Y3 are payment of insurance money, and Y4 is surrender value equity, and Y5 is disease definition；T1-t5 is respectively the corresponding spy of Y1-Y5
Levy the effective date of attribute.
Step S220, to the management rules for including in the product feature to be processed and the target two-dimensional feature vector
Feature, which compare one by one, obtains comparison result.
In this example embodiment, after obtaining above-mentioned target two-dimensional feature vector Yt, can first judge it is described to
Handling product feature whether there is in the management rules feature；If the product feature to be processed is present in the management
It can be obtained described wait locate according to the validity date (execution of contract date) of the insurance products data to be processed in regulations feature
Manage the date of formation of product feature；Two dimensional character to be processed is generated according to the product feature to be processed and the date of formation
Vector；The target bivector and the two-dimensional feature vector to be processed are compared one by one, obtain the comparison knot
Fruit.By using this method, insurance products data to be processed can be automatically processed, save the processing time while also saved
Human cost is saved.
Step S230 judges whether the insurance products data to be processed close rule according to the comparison result.
In this example embodiment, if the comparison result is the date of formation within the validity date,
Judge that the insurance products data to be processed close rule.For example, certain endowment insurance product, pure endowment gold, which pays ratio, for the first time is
30%, silver-colored Insurance Regulatory Commission provides that such product is not to be exceeded 20%, and the effective date is 2019.01.01, then protects after 2019.01.01
Dangerous product can have violation marketing problem.
In a second embodiment of the present invention, refering to what is shown in Fig. 3, it is according to an embodiment of the invention when it is above-mentioned to
When handling product feature not in management rules, being somebody's turn to do the insurance products management method based on block chain can also include following step
It is rapid:
Step S310, if the product feature to be processed is not present in the management rules feature, acquisition and institute
State the corresponding processed insurance products data of the second product category.
Step S320 is extracted in the processed insurance products data, corresponding with the product feature to be processed to have located
Manage the processing result of product feature.
Step S330 obtains the ratio of the product feature to be processed according to the processing result of the processed product feature
To result.
In the following, will step S310- step S330 be explained and be illustrated.For example, if the management item of regulatory agency
Regulation is not made to some product attribute in example, then can compare the similar-type products of different company or with the similar of company
Type product, if similar products due to this attribute once occurred in violation of rules and regulations, the consistent such product of attribute value all there may be
The problem of irregularity.
Below in conjunction with Fig. 4 to Fig. 5, the realization details of the embodiment of the present invention is described in detail:
As shown in figure 4, the insurance products management method based on block chain of third embodiment according to the present invention, including
Following steps:
Step S410, block chain node and the building of block chain network.
It in one embodiment of the invention, can be based on selected block chain node after selected block chain node
To construct block chain network.Such as can be using base, insurance company operating agency as minimum node, and protect based on one or more
The participation of dangerous group/company constructs block chain network.
Step S420, based on the data structure and storage mode storage insurance products data in the embodiment of the present invention.
In one embodiment of the invention, the enterprise that registers in systems or it is personal by related insurance product (even if same
The similar product of one company such as Product for life insurance agent is up to hundreds of) product insure condition, ensure rule, claim provision, pair
Money item renews condition etc. and the newest regulations of rules of correlation of regulatory agency and effective date etc. upload to block chain in real time,
It can prove the associated materials such as audio, video, the image of associated materials or be uploaded to block chain.
For example, silver-colored Insurance Regulatory Commission issues the newest regulations of rules about endowment insurance product recently, therefore insurance company A needs
The compliance for reaffirming all satisfactory to both parties products of company generates a new block, answers in block for this behavior in block chain
The information of input includes: the condition of insuring of all endowment insurance products of company A, ensures rule, claim provision, payment, continues
Phase condition etc., regulatory agency are directed to the related newest regulations of rules of endowment insurance and effective date etc., can prove associated materials
Audio, video, image etc., handler disclose code key and signature, privacy authorization etc.；Output is that insurance products close rule management information
The link of historical record etc., system search and identify that automatically conjunction rule risk that may be present (misleads user, violates the new rule of supervision
It is fixed, price is unreasonable etc.) and issue and remind to interested regulatory authorities.All records are to different rights enterprise or personal graduation
It is open, it makes full use of that block chain information is open and clear, retrospective feature, is realized to greatest extent using historical information and insurance is produced
Reason is regulated in the conjunction of product, meanwhile, evade possible risk and loss during enterprise operation to a certain degree.Specific storage information
Such as it can be as shown in table 1 below:
Table 1
Step S430 carries out insurance products management according to the data stored in block chain network.
In this example embodiment, it is possible, firstly, to it is different according to the classification of insurance products, extract the feature of insurance products
X=[X1, X2 ..Xn], if the feature of annuity includes that [condition of insuring, declaration form bonus, payment of insurance money, shows guarantee rule
Price of gold value equity renews condition] etc., the feature of disease medical insurance includes that [condition of insuring ensures rule, payment of insurance money, shows again
Price of gold value equity, disease definition] etc., the related regulations of rules of regulatory agency also according to the classification extraction characteristic Y of corresponding product=
[Y1, Y2 ... Yn], the attribute of each feature is consistent with the characteristic attribute of insurance products, is not then sky null；Further,
The effective date of each of regulations of rules characteristic attribute can also be marked in feature vector, generate a two dimensional character
Vector Yt=[[Y1, Y2 ... Yn] [t1, t2 ... tn]], and feature vector is updated according to newest regulations of rules；Again into one
Step, can by each product feature of certain type insurance products and the feature in clause regulation one by one compared with, according to regulations
Effective date judges that product whether there is violation problem in current certain period, does not exist simply by the presence of one or more product feature
Then product there is violation risk within the scope of regulations of rules.For example, certain endowment insurance product, pure endowment gold pays ratio for the first time
It is 30%, silver-colored Insurance Regulatory Commission provides that such product is not to be exceeded 20%, and the effective date is 2019.01.01, then after 2019.01.01
Insurance products can have violation marketing problem.Finally, if not making rule to some product attribute in the regulations of regulatory agency
It is fixed, then compare the similar-type products of different company or the similar-type products with company, if similar products due to this attribute once
Occurred in violation of rules and regulations, then the consistent such product of attribute value the problem of all there may be irregularities.
Step S440 updates optimization system parameter based on system performance.
In this example embodiment, it can be estimated that insurance products close the timeliness, validity and accuracy for regulating reason, base
Otherness between different company before and after the otherness of market Related product, same company's similar product, time series with
The availability of the method for the comprehensive dynamic analysis of the various dimensions such as the effective date matching degree of regulatory agency's correlation regulations of rules, is constantly adjusted
Whole and optimization system parameter, to regulate reason by effectively realizing that insurance products close in block chain network, to effectively promote
Block chain technical application is in the effective popularization for closing rule management aspect in insurance products.
The device of the invention embodiment is introduced below in conjunction with attached drawing.
Fig. 5 diagrammatically illustrates the realization self-service management of insurance products in block chain network of embodiment according to the present invention
System block diagram.
Refering to what is shown in Fig. 5, embodiment according to the present invention realizes the self-service management of insurance products in block chain network
System, comprising: block chain network constructs subsystem 510, data format definition subsystem 520, insurance products data and stores subsystem
System 530, insurance products management subsystem 540 and System Performance Analysis subsystem 550.
Wherein, block chain network building subsystem 510 is responsible for building, update and maintenance mechanism and the area of block chain node
Building, update and the maintenance of block chain network.For example, can be using base, insurance company operating agency as minimum node, one or more
A insurance pool/company participates in insurance products conjunction and regulates reason transaction block chain network building.
Data format definition subsystem 520 can store insurance products letter according to data structure shown in above-mentioned table 1
Breath, to guarantee the high efficiency of information storage and information processing.For example, the information that should be inputted in block may include: that company A is all
The condition of insuring of endowment insurance product, ensure rule, claim provision, payment, renew condition etc., regulatory agency be directed to it is satisfactory to both parties
The related newest regulations of rules of insurance and effective date etc., audio, video, the image that can prove associated materials etc., handler are public
Open code key and signature, privacy authorization etc.；Output is automatic for the link of historical record of insurance products conjunction rule management information etc., system
It searches and identifies conjunction that may be present rule risk (mislead user, violate the new regulation of supervision, price unreasonable etc.) and to related prison
Pipe portion door, which issues, to be reminded.
Insurance products data storage subsystem 530 is for storing insurance products data information.Specifically, related personnel can be with
According to format shown in above-mentioned table 1 by the condition of insuring of insurance products, ensure rule, claim provision, payment, renew condition
Deng, regulatory agency for the related newest regulations of rules of endowment insurance and effective date etc., audio, the view that can prove associated materials
Frequently, image etc., handler discloses code key and signature, privacy authorization are uploaded in block chain network, in order to insurance products data
Storage subsystem 530 is stored.
Insurance products management subsystem 540 is used to whether close rule to insurance products according to the information stored in block chain network
Be managed.
In this example embodiment, the historical data of rule management information can be closed according to the insurance products in block chain,
System searches and identifies that automatically conjunction that may be present advises risk (mislead user, violate supervision newly provides, price is unreasonable etc.) simultaneously
It issues and reminds to interested regulatory authorities, so that block chain technical application effectively be promoted to close the effective of rule management aspect in insurance products
It promotes.
System Performance Analysis subsystem 550 can assess timeliness, validity and the standard that insurance products close rule management system
True property, based on before and after the otherness of market Related product, same company's similar product between different company otherness, in the time
The availability of the method for the comprehensive dynamic analysis of the various dimensions such as the effective date matching degree of sequence regulations of rules related to regulatory agency,
Constantly adjustment and optimization system parameter, to regulate reason by effectively realizing that insurance products close in block chain network, to have
Make every effort to promote time zone block chain technical application in the effective popularization for closing rule management aspect in insurance products.
Fig. 6 diagrammatically illustrates the insurance products managing device according to an embodiment of the invention based on block chain
Block diagram.
Refering to what is shown in Fig. 6, being somebody's turn to do the insurance products managing device based on block chain may include the first extraction module 610, spy
Levy vector generation module 620, the second extraction module 630 and judgment module 640.Wherein:
First extraction module 610 can be used for obtaining the history insurance products data in block chain network, and described in extraction
Primary products feature and management rules feature corresponding with the primary products feature in history insurance products data.
Feature vector generation module 620 can be used for according to the effective of the management rules feature and management rules feature
Date generates two-dimensional feature vector.
Second extraction module 630 can be used for obtaining the insurance products data to be processed in the block chain network, and mention
Take the product feature to be processed in the insurance products data to be processed；
Judgment module 640 can be used for judging institute according to the product feature to be processed and the two-dimensional feature vector
State whether insurance products data to be processed close rule.
In one embodiment of the invention, the first extraction module 610 can be configured as: to the history insurance products
Data are classified, and the first product category of the history insurance products is obtained；It is corresponding pre- according to first product category
If product feature, the insurance products feature in the history insurance products data is successively extracted.
In one embodiment of the invention, judgment module 640 can be configured as: according to the insurance products to be processed
Second product category belonging to data searches target two-dimensional feature vector corresponding with second product category；To it is described to
The management rules feature progress for including in processing product feature and the target two-dimensional feature vector is compared one by one
As a result；According to the comparison result, judge whether the insurance products data to be processed close rule.
In one embodiment of the invention, judgment module 640 can be additionally configured to: be produced according to the insurance to be processed
The validity date of product data obtains the date of formation of the product feature to be processed；According to the product feature to be processed and
The date of formation generates two-dimensional feature vector to be processed；To the target bivector and the two dimensional character to be processed to
Amount is compared one by one, obtains the comparison result.
In one embodiment of the invention, judgment module 640 can be additionally configured to: if the comparison result is institute
The date of formation is stated within the validity date, then judges that the insurance products data to be processed close rule.
In some embodiments of the invention, judgment module 640 can be additionally configured to: judge that the product to be processed is special
Sign is with the presence or absence of in the management rules feature；If the product feature to be processed is present in the management rules feature
In, then the management rules feature for including in the product feature to be processed and the two-dimensional feature vector is compared one by one
Obtain comparison result.
In some embodiments of the invention, the insurance products managing device based on block chain can also include:
Module is obtained to obtain if be not present in the management rules feature for the product feature to be processed
Processed insurance products data corresponding with second product category；
Third extraction module, for extracting in the processed insurance products data, with the product feature pair to be processed
The processing result for the processed product feature answered；
Comparison result generation module obtains described to be processed for the processing result according to the processed product feature
The comparison result of product feature.
Below with reference to Fig. 7, it illustrates the computer systems 700 for the electronic equipment for being suitable for being used to realize the embodiment of the present invention
Structural schematic diagram.The computer system 700 of electronic equipment shown in Fig. 7 is only an example, should not be to the embodiment of the present invention
Function and use scope bring any restrictions.
As shown in fig. 7, computer system 700 includes central processing unit (CPU) 701, it can be read-only according to being stored in
Program in memory (ROM) 702 or be loaded into the program in random access storage device (RAM) 703 from storage section 708 and
Execute various movements appropriate and processing.In RAM 703, it is also stored with various programs and data needed for system operatio.CPU
701, ROM 702 and RAM 703 is connected with each other by bus 704.Input/output (I/O) interface 705 is also connected to bus
704。
I/O interface 705 is connected to lower component: the importation 706 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 707 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 708 including hard disk etc.；
And the communications portion 709 of the network interface card including LAN card, modem etc..Communications portion 709 via such as because
The network of spy's net executes communication process.Driver 710 is also connected to I/O interface 705 as needed.Detachable media 711, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 710, in order to read from thereon
Computer program be mounted into storage section 708 as needed.
Particularly, according to an embodiment of the invention, may be implemented as computer above with reference to the process of flow chart description
Software program.For example, the embodiment of the present invention includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 709, and/or from detachable media
711 are mounted.When the computer program is executed by central processing unit (CPU) 701, executes and limited in the system of the application
Above-mentioned function.
It should be noted that computer-readable medium shown in the present invention can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In the present invention, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In invention, computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present invention can be realized by way of software, can also be by hard
The mode of part realizes that described unit also can be set in the processor.Wherein, the title of these units is in certain situation
Under do not constitute restriction to the unit itself.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in electronic equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying electronic equipment.
Above-mentioned computer-readable medium carries one or more program, when the electronics is set by one for said one or multiple programs
When standby execution, so that the electronic equipment realizes such as the above-mentioned insurance products management method as described in the examples based on block chain.
For example, the electronic equipment may be implemented as shown in Figure 1: step S110 is obtained in block chain network
History insurance products data, and extract the primary products feature in the history insurance products data and with the primary products
The corresponding management rules feature of feature；Step S120, according to effective day of the management rules feature and management rules feature
Phase generates target two-dimensional feature vector；Step S130 obtains the insurance products data to be processed in the block chain network, and mentions
Take the product feature to be processed in the insurance products data to be processed；Step S140, according to the product feature to be processed with
And the target two-dimensional feature vector, judge whether the insurance products data to be processed close rule.
For another example, each step as shown in Figures 2 to 4 may be implemented in the electronic equipment.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member, but this division is not enforceable.In fact, embodiment according to the present invention, it is above-described two or more
Module or the feature and function of unit can embody in a module or unit.Conversely, an above-described mould
The feature and function of block or unit can be to be embodied by multiple modules or unit with further division.
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the present invention
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, touch control terminal or network equipment etc.) executes embodiment according to the present invention
Method.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to of the invention its
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the invention, these modifications, purposes or
Person's adaptive change follows general principle of the invention and including the undocumented common knowledge in the art of the present invention
Or conventional techniques.The description and examples are only to be considered as illustrative, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims.
Claims (10)
1. a kind of insurance products management method based on block chain characterized by comprising
The history insurance products data in block chain network are obtained, and extract the primary products in the history insurance products data
Feature and management rules feature corresponding with the primary products feature；
Target two-dimensional feature vector is generated according to the validity date of the management rules feature and management rules feature；
The insurance products data to be processed in the block chain network are obtained, and are extracted in the insurance products data to be processed
Product feature to be processed；
According to the product feature to be processed and the target two-dimensional feature vector, the insurance products data to be processed are judged
Whether conjunction is advised.
2. the insurance products management method according to claim 1 based on block chain, which is characterized in that extract the history
Insurance products feature in insurance products data includes:
Classify to the history insurance products data, obtains the first product category of the history insurance products；
According to the corresponding pre-set product feature of first product category, the guarantor in the history insurance products data is successively extracted
Dangerous product feature.
3. the insurance products management method according to claim 1 based on block chain, which is characterized in that according to described wait locate
Product feature and the target two-dimensional feature vector are managed, judges whether the insurance products data to be processed close rule and include:
According to the second product category belonging to the insurance products data to be processed, search corresponding with second product category
Target two-dimensional feature vector；
The management rules feature for including in the product feature to be processed and the target two-dimensional feature vector is carried out one by one
Comparison obtains comparison result；
According to the comparison result, judge whether the insurance products data to be processed close rule.
4. the insurance products management method according to claim 3 based on block chain, which is characterized in that described to be processed
The management rules feature for including in product feature and the target two-dimensional feature vector is compared to obtain comparison result packet one by one
It includes:
According to the validity date of the insurance products data to be processed, the date of formation of the product feature to be processed is obtained；
Two-dimensional feature vector to be processed is generated according to the product feature to be processed and the date of formation；
The target bivector and the two-dimensional feature vector to be processed are compared one by one, obtain the comparison knot
Fruit.
5. the insurance products management method according to claim 4 based on block chain, which is characterized in that according to the comparison
As a result, judging whether the insurance products data to be processed close rule and include:
If the comparison result is the date of formation within the validity date, the insurance products number to be processed is judged
It is advised according to closing.
6. the insurance products management method according to claim 3 based on block chain, which is characterized in that described to be processed
The management rules feature that includes in product feature and the two-dimensional feature vector, which compare one by one, to be obtained comparison result and also wraps
It includes:
Judge that the product feature to be processed whether there is in the management rules feature；
If the product feature to be processed is present in the management rules feature, to the product feature to be processed and
The management rules feature for including in the two-dimensional feature vector, which compare one by one, obtains comparison result.
7. the insurance products management method according to claim 6 based on block chain, which is characterized in that described to be based on block
The insurance products management method of chain further include:
If the product feature to be processed is not present in the management rules feature, obtain and second product category
Corresponding processed insurance products data；
It extracts in the processed insurance products data, the place of processed product feature corresponding with the product feature to be processed
Manage result；
According to the processing result of the processed product feature, the comparison result of the product feature to be processed is obtained.
8. a kind of insurance products managing device based on block chain characterized by comprising
First extraction module for obtaining the history insurance products data in block chain network, and extracts the history insurance and produces
Primary products feature and management rules feature corresponding with the primary products feature in product data；
Feature vector generation module, for generating two according to the validity date of the management rules feature and management rules feature
Dimensional feature vector；
Second extraction module for obtaining the insurance products data to be processed in the block chain network, and extracts described wait locate
Manage the product feature to be processed in insurance products data；
Judgment module, for judging the guarantor to be processed according to the product feature to be processed and the two-dimensional feature vector
Whether dangerous product data close rule.
9. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is executed by processor
Insurance products management method based on block chain of the Shi Shixian as described in any one of claims 1 to 7.
10. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are by one or more of processing
Device execute when so that one or more of processors realize as described in any one of claims 1 to 7 based on block chain
Insurance products management method.
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| CN201811476141.5A CN109636627B (en) | 2018-12-04 | 2018-12-04 | Insurance product management method, device, medium and electronic equipment based on block chain |
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| CN109636627B (en) | 2020-11-03 |
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