CN113538151A - Block chain-based insurance data processing method, node and system - Google Patents
Block chain-based insurance data processing method, node and system Download PDFInfo
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Abstract
The invention provides a method, a node and a system for processing insurance data based on a block chain, which can be used in the technical field of the block chain, wherein the method comprises the following steps: receiving insurance application information transmitted by a client terminal, and determining client information according to the insurance application information; determining client credit information corresponding to the client information according to the client information; and determining whether the insurance application information passes through according to the client credit information, if so, generating electronic insurance and insurance related information, and transmitting the electronic insurance and the insurance related information to other nodes of the block chain so that the beneficiary node determines a target electronic insurance and completes the transaction according to the received insurance payment request and the insurance related information.
Description
Technical Field
The invention relates to the technical field of insurance data processing, in particular to the technical field of block chains, and particularly relates to a insurance data processing method, node and system based on a block chain.
Background
The insurance service refers to a written credit guarantee voucher which is issued to the beneficiary by the bank as a guarantor, in response to the application of a guarantor or an anti-guarantor, and which fulfills the legal action of indemnification or payment obligation on behalf of the guarantor when the guarantor does not fulfill obligation in agreement. In the insurance service, the insurance opening and closing process is long, the requirement of customers on timeliness cannot be met, meanwhile, paper insurance circulation is inconvenient, the verification cost is high, the opening insurance cannot be verified across lines, the risk of false opening insurance exists, the credit risk born by a customer manager is high, and the enthusiasm of service handling is influenced.
Disclosure of Invention
The invention aims to provide a block chain-based insurance data processing method, which constructs a alliance chain through a block chain technology to ensure the efficiency, safety and transparency of insurance data processing. Another object of the present invention is to provide a banking node. It is a further object of this invention to provide a beneficiary node. It is a further object of this invention to provide a supervisory node. It is a further object of this invention to provide a blockchain-based insurance data processing system. It is a further object of the present invention to provide a computer apparatus. It is a further object of this invention to provide such a readable medium.
In order to achieve the above object, the present invention discloses a method for processing insurance data based on a block chain, which comprises:
receiving insurance application information transmitted by a client terminal, and determining client information according to the insurance application information;
determining client credit information corresponding to the client information according to the client information;
and determining whether the insurance application information passes according to the customer credit information, if so, generating electronic insurance and insurance related information, and transmitting the electronic insurance and the insurance related information to other nodes of the block chain so that the beneficiary node determines a target electronic insurance according to the received insurance payment request and the insurance related information, completes the transaction to obtain a transaction result, and receives the transaction result transmitted by the beneficiary node.
Preferably, the determining a target electronic insurance policy and completing a transaction according to the received request for paying the insurance policy and the information related to the insurance policy specifically includes:
determining the insurance information of the target electronic insurance according to the insurance payment request;
determining the position information of the insurance function corresponding to the insurance function information from the related information of the insurance function according to the insurance function information;
and acquiring a corresponding target electronic insurance bond according to the insurance bond position information, checking the insurance bond payment request according to the target electronic insurance bond, and finishing the transaction according to the insurance bond payment request if the checking is passed.
Preferably, the verifying the insurance payment request according to the target electronic insurance policy specifically includes:
determining an electronic insurance letter to be verified according to the insurance letter payment request;
and comparing the electronic insurance letter to be verified with the target electronic insurance letter, and if the comparison is consistent, the payment request of the insurance letter is verified to pass.
Preferably, the method further comprises the following steps:
receiving a letter-guarantee pledge application transmitted by the client terminal;
forming insurance transfer information according to the insurance application;
and transmitting the insurance transfer information to a supervision node so that the supervision node determines whether the insurance transfer information is abnormal or not, and if so, feeding back abnormal information to supervision personnel.
Preferably, the method further comprises the following steps:
receiving a request for transferring the insurance letter transmitted by the client terminal;
updating the related information of the insurance letter according to the insurance letter transfer application;
and transmitting the updated insurance policy related information to a supervision node so that the supervision node determines whether the updated insurance policy related information is abnormal or not, and if so, feeding back abnormal information to supervision personnel.
The invention also discloses a block chain-based insurance data processing method, which comprises the following steps:
receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance;
and determining a target electronic insurance bond according to the received insurance bond payment request and the insurance bond related information, completing the transaction to obtain a transaction result, and transmitting the transaction result to other nodes of the block chain.
The invention also discloses a block chain-based insurance data processing method, which comprises the following steps:
receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance; and receiving a transaction result transmitted by the beneficiary node, determining a target electronic insurance and completing the transaction according to the received insurance payment request and the insurance related information.
Preferably, the method further comprises the following steps:
receiving insurance letter transfer information transmitted by a bank node, wherein the insurance letter transfer information is formed by the bank node receiving an insurance letter pledge application transmitted by the client terminal according to the insurance letter pledge application;
and determining whether the insurance transfer information is abnormal, and if so, feeding back abnormal information to a supervisor.
Preferably, the method further comprises the following steps:
receiving updated insurance-related information transmitted by a bank node, wherein the updated insurance-related information is obtained by the bank node receiving an insurance transfer application transmitted by a client terminal and updating the insurance-related information according to the insurance transfer application;
and determining whether the updated insurance function related information is abnormal, and if so, feeding back abnormal information to a supervisor.
The invention also discloses a bank node, comprising:
the information processing module is used for receiving the insurance application information transmitted by the client terminal and determining the client information according to the insurance application information;
the information matching module is used for determining client credit information corresponding to the client information according to the client information;
and the electronic insurance policy management module is used for determining whether the insurance application information passes according to the client credit information, if so, generating electronic insurance policy and insurance policy related information, transmitting the electronic insurance policy and the insurance policy related information to other nodes of the block chain so that the beneficiary node determines a target electronic insurance policy according to the received insurance payment request and the insurance policy related information, completes the transaction to obtain a transaction result, and receives the transaction result transmitted by the beneficiary node.
The invention also discloses a beneficiary node, comprising:
the information receiving module is used for receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and the client information is determined according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance;
and the transaction management module is used for determining a target electronic insurance bond according to the received insurance bond payment request and the insurance bond related information, completing the transaction to obtain a transaction result and transmitting the transaction result to other nodes of the block chain.
The invention also discloses a supervisory node configured to:
receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance; and receiving a transaction result transmitted by the beneficiary node, determining a target electronic insurance and completing the transaction according to the received insurance payment request and the insurance related information.
The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor,
the processor, when executing the program, implements the method as described above.
The invention also discloses a computer-readable medium, having stored thereon a computer program,
which when executed by a processor implements the method as described above.
The invention discloses an insurance data processing method based on a block chain, which receives insurance application information transmitted by a client terminal, determines client information according to the insurance application information, determines client credit information corresponding to the client information according to the client information, determines whether the insurance application information passes or not according to the client credit information, generates electronic insurance and insurance related information if the insurance application information passes, and transmits the electronic insurance and the insurance related information to other nodes of the block chain so that beneficiary nodes determine target electronic insurance according to received insurance payment requests and the insurance related information and complete transactions. Therefore, the block chain-based insurance data processing method can receive insurance application information transmitted by a user terminal, determine client information of a client applying for electronic customs insurance according to the insurance application information, acquire prestored client authorization information according to the client information obtained by analysis, authenticate the client according to the client authorization information, determine whether the client is authorized, and generate the electronic insurance corresponding to the client and the corresponding insurance related information if the client passes the authentication. The electronic insurance and the insurance-related information may then be transmitted to other nodes of the blockchain based on the blockchain's smart contracts. The beneficiary node can store the received electronic insurance and the related information of the insurance, when the client uses the electronic insurance for payment, the beneficiary node can obtain the corresponding related information of the insurance according to the received request for payment of the insurance, determine the target electronic insurance corresponding to the request for payment of the insurance, and check the request for payment of the insurance according to the target electronic insurance to complete the transaction of payment of the insurance. Therefore, the invention realizes the processes of chain generation, circulation, verification, payment transaction and the like of the insurance policy through the block chain, breaks the information barrier among all organizations, improves the handling and supervision efficiency of the insurance policy business, ensures that the electronic insurance policy can not be tampered, and ensures the efficiency, safety and transparency of the insurance policy data processing.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a block diagram illustrating a particular embodiment of a blockchain-based insurance data processing system of the present invention;
FIG. 2 is a flow chart of a particular embodiment of a block chain based insurance data processing method (banking node) of the present invention;
FIG. 3 is a flow chart of a block chain-based method for processing functional data according to an embodiment S300 of the present invention;
FIG. 4 is a flowchart of a block chain-based method for processing functional data according to a specific embodiment S330 of the present invention;
FIG. 5 is a flow chart of a block chain-based method for processing functional data according to a specific embodiment S400 of the present invention;
fig. 6 is a flowchart of a block chain-based insurance data processing method S500 according to a specific embodiment of the present invention;
FIG. 7 is a flow diagram illustrating an embodiment of a block chain based method of insurance data processing (beneficiary node) in accordance with the present invention;
FIG. 8 is a block diagram illustrating a particular embodiment of a banking node of the present invention;
FIG. 9 is a block diagram illustrating a particular embodiment of a beneficiary node of the present invention;
FIG. 10 shows a schematic block diagram of a computer device suitable for use in implementing embodiments of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the method, node, and system for processing insurance data based on a block chain disclosed in the present application can be used in the technical field of block chains, and can also be used in any field except the technical field of block chains.
In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. The block chain-based insurance data processing method provided by the embodiment of the invention can receive insurance application information transmitted by a user terminal, determine client information of a client applying for electronic duty insurance according to the insurance application information, acquire prestored client authorization information according to the analyzed client information, authenticate the client according to the client authorization information, determine whether the client is authorized, and generate an electronic insurance corresponding to the client and corresponding insurance related information if the client passes the authentication. The electronic insurance and the insurance-related information may then be transmitted to other nodes of the blockchain based on the blockchain's smart contracts. The beneficiary node can store the received electronic insurance and the related information of the insurance, when the client uses the electronic insurance for payment, the beneficiary node can obtain the corresponding related information of the insurance according to the received request for payment of the insurance, determine the target electronic insurance corresponding to the request for payment of the insurance, and check the request for payment of the insurance according to the target electronic insurance to complete the transaction of payment of the insurance. Therefore, the invention realizes the processes of chain generation, circulation, verification, payment transaction and the like of the insurance policy through the block chain, breaks the information barrier among all organizations, improves the handling and supervision efficiency of the insurance policy business, ensures that the electronic insurance policy can not be tampered, and ensures the efficiency, safety and transparency of the insurance policy data processing.
Fig. 1 is a schematic structural diagram of an insurance data processing system based on a block chain according to an embodiment of the present invention, and as shown in fig. 1, the insurance data processing system based on a block chain according to an embodiment of the present invention includes a bank node 1, a beneficiary node 2, and a supervision node 3.
The bank node 1 can receive insurance application information transmitted by a client terminal, determines client information according to the insurance application information, determines client credit information corresponding to the client information according to the client information, determines whether the insurance application information passes or not according to the client credit information, generates electronic insurance and insurance related information if the insurance application information passes, and transmits the electronic insurance and the insurance related information to other nodes (a beneficiary node 2 and a supervision node 3) of a block chain so that the beneficiary node 2 determines a target electronic insurance according to a received insurance payment request and the insurance related information and completes transaction.
The following describes an implementation process of the block chain-based insurance data processing method provided by the embodiment of the present invention, taking the bank node 1 as an execution subject. It can be understood that the executing body of the insurance data processing method based on the block chain provided by the embodiment of the invention includes, but is not limited to, the bank node 1.
According to one aspect of the invention, the embodiment discloses a block chain-based insurance data processing method. As shown in fig. 2, in this embodiment, the method includes:
s100: and receiving the insurance application information transmitted by the client terminal, and determining the client information according to the insurance application information.
S200: and determining client credit information corresponding to the client information according to the client information.
S300: and determining whether the insurance application information passes according to the customer credit information, if so, generating electronic insurance and insurance related information, and transmitting the electronic insurance and the insurance related information to other nodes of the block chain so that the beneficiary node determines a target electronic insurance according to the received insurance payment request and the insurance related information, completes the transaction to obtain a transaction result, and receives the transaction result transmitted by the beneficiary node.
The invention discloses an insurance data processing method based on a block chain, which receives insurance application information transmitted by a client terminal, determines client information according to the insurance application information, determines client credit information corresponding to the client information according to the client information, determines whether the insurance application information passes or not according to the client credit information, generates electronic insurance and insurance related information if the insurance application information passes, and transmits the electronic insurance and the insurance related information to other nodes of the block chain so that beneficiary nodes determine target electronic insurance according to received insurance payment requests and the insurance related information and complete transactions. Therefore, the block chain-based insurance data processing method can receive insurance application information transmitted by a user terminal, determine client information of a client applying for electronic customs insurance according to the insurance application information, acquire prestored client authorization information according to the client information obtained by analysis, authenticate the client according to the client authorization information, determine whether the client is authorized, and generate the electronic insurance corresponding to the client and the corresponding insurance related information if the client passes the authentication. The electronic insurance and the insurance-related information may then be transmitted to other nodes of the blockchain based on the blockchain's smart contracts. The beneficiary node can store the received electronic insurance and the related information of the insurance, when the client uses the electronic insurance for payment, the beneficiary node can obtain the corresponding related information of the insurance according to the received request for payment of the insurance, determine the target electronic insurance corresponding to the request for payment of the insurance, and check the request for payment of the insurance according to the target electronic insurance to complete the transaction of payment of the insurance. Therefore, the invention realizes the processes of chain generation, circulation, verification, payment transaction and the like of the insurance policy through the block chain, breaks the information barrier among all organizations, improves the handling and supervision efficiency of the insurance policy business, ensures that the electronic insurance policy can not be tampered, and ensures the efficiency, safety and transparency of the insurance policy data processing.
In a preferred embodiment, as shown in fig. 3, the step S300 of determining a target electronic insurance policy according to the received request for insurance policy payment and the information related to the insurance policy and completing the transaction specifically includes:
s310: and determining the insurance information of the target electronic insurance according to the insurance payment request.
S320: and determining the position information of the insurance function corresponding to the insurance function information from the related information of the insurance function according to the insurance function information.
S330: and acquiring a corresponding target electronic insurance bond according to the insurance bond position information, checking the insurance bond payment request according to the target electronic insurance bond, and finishing the transaction according to the insurance bond payment request if the checking is passed.
In particular, the beneficiary node receives a customer's insurance payment request, which may include the customer's electronic insurance policy to be verified and associated insurance information. And the beneficiary node stores all electronic insurance and the related information of the insurance, and then performs insurance information matching in the related information of the insurance according to the insurance information obtained by analyzing from the insurance payment request, and if the matching is successful, the insurance position information of the target electronic insurance corresponding to the insurance information can be obtained. And acquiring a corresponding target electronic insurance bond according to the insurance bond position information to check the insurance bond payment request according to the target electronic insurance bond, and if the check is passed, completing the transaction according to the insurance bond payment request.
In a preferred embodiment, as shown in fig. 4, the step S330 of verifying the insurance payment request according to the target electronic insurance policy specifically includes:
s331: and determining the electronic insurance letter to be verified according to the insurance letter payment request.
S332: and comparing the electronic insurance letter to be verified with the target electronic insurance letter, and if the comparison is consistent, the payment request of the insurance letter is verified to pass.
In particular, in the preferred embodiment, the request for payment of an insurance policy may include the customer's electronic insurance policy to be verified and associated insurance information. According to the true and false of the electronic insurance function to be verified in the insurance payment request of the client, the target electronic insurance function and the electronic insurance function to be verified can be compared to determine whether the electronic insurance function to be verified is true or not. If the electronic insurance policy to be verified is true, namely the verification is passed, the insurance policy transaction can be completed according to the electronic insurance policy to be verified.
It should be noted that, in the process of comparing the electronic insurance function to be verified with the target electronic insurance function, the electronic insurance function to be verified and the target electronic insurance function can be compared comprehensively to determine whether the electronic insurance function to be verified and the target electronic insurance function are completely consistent, or a preset algorithm can be adopted to calculate and then compare the electronic insurance function to be verified and the target electronic insurance function respectively, for example, a hash algorithm is used to calculate and then compare whether the electronic insurance function to be verified and the target electronic insurance function are consistent, or determine whether the electronic insurance function to be verified is true. Of course, in practical application, the electronic insurance policy to be verified and the target electronic insurance policy may be compared in other manners, which is not limited in the present invention.
In a preferred embodiment, as shown in fig. 5, the method further includes S400:
s410: and receiving the application of the letter deposit transmitted by the client terminal.
S420: and forming the insurance transfer information according to the insurance pledge application.
S430: and transmitting the insurance transfer information to a supervision node so that the supervision node determines whether the insurance transfer information is abnormal or not, and if so, feeding back abnormal information to supervision personnel.
Specifically, when a client adopts the electronic deposit to carry out the deposit, the application of the deposit of the client terminal can be received, and the deposit circulation information is formed according to the application of the deposit, so that the electronic deposit is marked for the deposit, and the deposit circulation information is formed according to the relevant information of the deposit. Further, the insurance transfer information is transmitted to a supervision node, the supervision node can judge whether the electronic insurance pledge has abnormal conditions such as violation and the like according to the received insurance transfer information, and if yes, the supervision node can feed back the abnormal information to supervision personnel. In the preferred embodiment, the insurance transfer information is formed when the insurance application of the client terminal is processed, and is shared to other nodes including the supervision node in the block chain through the block chain, so that the supervision node can supervise the insurance process of the electronic insurance according to the insurance transfer information shared by the bank nodes, thereby being capable of finding out abnormal conditions such as violation in the use process of the electronic insurance in time and enhancing the safety and the transparency of electronic insurance management.
In a preferred embodiment, as shown in fig. 6, the method further includes S500:
s510: and receiving the application for transferring the insurance letter transmitted by the client terminal.
S520: and updating the related information of the insurance policy according to the insurance policy transfer application.
S530: and transmitting the updated insurance policy related information to a supervision node so that the supervision node determines whether the updated insurance policy related information is abnormal or not, and if so, feeding back abnormal information to supervision personnel.
Specifically, when the client transfers the electronic insurance letter, the client terminal can receive the insurance letter transfer application transmitted by the client terminal, and updates the related information of the insurance letter according to the insurance letter transfer application, so as to modify the related information of the electronic insurance letter and modify the application range of the electronic insurance letter. And further, the updated insurance policy related information is transmitted to a supervision node, the supervision node can judge whether the electronic insurance policy is turned off or not under abnormal conditions such as violation and the like according to the received updated insurance policy related information, and if yes, abnormal information can be fed back to supervision personnel. In the preferred embodiment, the insurance policy related information is updated when the insurance policy transfer application of the client terminal is processed, and the updated insurance policy related information is shared to other nodes including the supervision node in the blockchain through the blockchain, so that the supervision node can supervise the transfer process of the electronic insurance policy according to the updated insurance policy related information shared by the bank nodes, thereby being capable of timely discovering the abnormal conditions such as violation and the like in the transfer process of the electronic insurance policy, and enhancing the safety and the transparency of electronic insurance policy management.
Based on the same principle, the embodiment also discloses a method for processing the insurance data based on the block chain. As shown in fig. 7, in this embodiment, the method includes:
s610: receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; and determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance.
S620: and determining a target electronic insurance bond according to the received insurance bond payment request and the insurance bond related information, completing the transaction to obtain a transaction result, and transmitting the transaction result to other nodes of the block chain.
Because the principle of solving the problems by the method is similar to that of the method, the implementation of the method can be referred to the implementation of the method, and details are not repeated herein.
Based on the same principle, the embodiment also discloses a method for processing the insurance data based on the block chain. In this embodiment, the method includes:
receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance; and receiving a transaction result transmitted by the beneficiary node, determining a target electronic insurance and completing the transaction according to the received insurance payment request and the insurance related information.
In a preferred embodiment, the method further comprises:
receiving insurance letter transfer information transmitted by a bank node, wherein the insurance letter transfer information is formed by the bank node receiving an insurance letter pledge application transmitted by the client terminal according to the insurance letter pledge application;
and determining whether the insurance transfer information is abnormal, and if so, feeding back abnormal information to a supervisor.
In a preferred embodiment, the method further comprises:
receiving updated insurance-related information transmitted by a bank node, wherein the updated insurance-related information is obtained by the bank node receiving an insurance transfer application transmitted by a client terminal and updating the insurance-related information according to the insurance transfer application;
and determining whether the updated insurance function related information is abnormal, and if so, feeding back abnormal information to a supervisor.
Because the principle of solving the problems by the method is similar to that of the method, the implementation of the method can be referred to the implementation of the method, and details are not repeated herein.
Based on the same principle, the embodiment also discloses a bank node. As shown in fig. 8, in this embodiment, the node includes an information processing module 11, an information matching module 12, and an electronic insurance policy management module 13.
The information processing module 11 is used for receiving the insurance application information transmitted by the client terminal and determining the client information according to the insurance application information.
The information matching module 12 is configured to determine, according to the customer information, customer credit information corresponding to the customer information.
And the electronic insurance policy management module 13 is used for determining whether the insurance application information passes according to the customer credit information, if so, generating electronic insurance policy and insurance policy related information, transmitting the electronic insurance policy and the insurance policy related information to other nodes of the block chain so that the beneficiary node determines a target electronic insurance and completes the transaction according to the received insurance payment request and the insurance policy related information to obtain a transaction result, and receiving the transaction result transmitted by the beneficiary node.
Because the principle of the node for solving the problem is similar to the method, the implementation of the node can refer to the implementation of the method, and details are not described herein.
Based on the same principle, the embodiment also discloses a beneficiary node. As shown in fig. 9, in the present embodiment, the node includes an information receiving module 21 and a transaction management module 22.
The information receiving module 21 is configured to receive an electronic insurance policy and the relevant information of the insurance policy transmitted by a bank node, where the electronic insurance policy and the relevant information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determine client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; and determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance.
The transaction management module 22 is configured to determine a target electronic insurance bond according to the received insurance bond payment request and the insurance bond related information, complete a transaction to obtain a transaction result, and transmit the transaction result to other nodes of the blockchain.
Because the principle of the node for solving the problem is similar to the method, the implementation of the node can refer to the implementation of the method, and details are not described herein.
Based on the same principle, the embodiment also discloses a supervision node. In this embodiment, the node is configured to receive an electronic insurance policy and the relevant information of the insurance policy transmitted by a bank node, where the electronic insurance policy and the relevant information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determine client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance; and receiving a transaction result transmitted by the beneficiary node, determining a target electronic insurance and completing the transaction according to the received insurance payment request and the insurance related information.
Because the principle of the node for solving the problem is similar to the method, the implementation of the node can refer to the implementation of the method, and details are not described herein.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
In a typical example, the computer device specifically comprises a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method performed by the client as described above when executing the program, or the processor implementing the method performed by the server as described above when executing the program.
Referring now to FIG. 10, shown is a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.
As shown in fig. 10, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 606 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, 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), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (15)
1. A method for processing insurance function data based on a block chain is characterized by comprising the following steps:
receiving insurance application information transmitted by a client terminal, and determining client information according to the insurance application information;
determining client credit information corresponding to the client information according to the client information;
and determining whether the insurance application information passes according to the customer credit information, if so, generating electronic insurance and insurance related information, and transmitting the electronic insurance and the insurance related information to other nodes of the block chain so that the beneficiary node determines a target electronic insurance according to the received insurance payment request and the insurance related information, completes the transaction to obtain a transaction result, and receives the transaction result transmitted by the beneficiary node.
2. The block chain-based insurance data processing method according to claim 1, wherein the determining a target electronic insurance and completing a transaction according to the received insurance payment request and the insurance-related information specifically comprises:
determining the insurance information of the target electronic insurance according to the insurance payment request;
determining the position information of the insurance function corresponding to the insurance function information from the related information of the insurance function according to the insurance function information;
and acquiring a corresponding target electronic insurance bond according to the insurance bond position information, checking the insurance bond payment request according to the target electronic insurance bond, and finishing the transaction according to the insurance bond payment request if the checking is passed.
3. The block chain-based insurance data processing method according to claim 2, wherein the verifying the insurance payment request according to the target electronic insurance specifically comprises:
determining an electronic insurance letter to be verified according to the insurance letter payment request;
and comparing the electronic insurance letter to be verified with the target electronic insurance letter, and if the comparison is consistent, the payment request of the insurance letter is verified to pass.
4. The block chain-based insurance data processing method according to claim 1, further comprising:
receiving a letter-guarantee pledge application transmitted by the client terminal;
forming insurance transfer information according to the insurance application;
and transmitting the insurance transfer information to a supervision node so that the supervision node determines whether the insurance transfer information is abnormal or not, and if so, feeding back abnormal information to supervision personnel.
5. The block chain-based insurance data processing method according to claim 1, further comprising:
receiving a request for transferring the insurance letter transmitted by the client terminal;
updating the related information of the insurance letter according to the insurance letter transfer application;
and transmitting the updated insurance policy related information to a supervision node so that the supervision node determines whether the updated insurance policy related information is abnormal or not, and if so, feeding back abnormal information to supervision personnel.
6. A method for processing insurance function data based on a block chain is characterized by comprising the following steps:
receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance;
and determining a target electronic insurance bond according to the received insurance bond payment request and the insurance bond related information, completing the transaction to obtain a transaction result, and transmitting the transaction result to other nodes of the block chain.
7. A method for processing insurance function data based on a block chain is characterized by comprising the following steps:
receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance; and receiving a transaction result transmitted by the beneficiary node, determining a target electronic insurance and completing the transaction according to the received insurance payment request and the insurance related information.
8. The block chain-based insurance data processing method according to claim 7, further comprising:
receiving insurance letter transfer information transmitted by a bank node, wherein the insurance letter transfer information is formed by the bank node receiving an insurance letter pledge application transmitted by the client terminal according to the insurance letter pledge application;
and determining whether the insurance transfer information is abnormal, and if so, feeding back abnormal information to a supervisor.
9. The block chain-based insurance data processing method according to claim 7, further comprising:
receiving updated insurance-related information transmitted by a bank node, wherein the updated insurance-related information is obtained by the bank node receiving an insurance transfer application transmitted by a client terminal and updating the insurance-related information according to the insurance transfer application;
and determining whether the updated insurance function related information is abnormal, and if so, feeding back abnormal information to a supervisor.
10. A banking node, comprising:
the information processing module is used for receiving the insurance application information transmitted by the client terminal and determining the client information according to the insurance application information;
the information matching module is used for determining client credit information corresponding to the client information according to the client information;
and the electronic insurance policy management module is used for determining whether the insurance application information passes according to the client credit information, if so, generating electronic insurance policy and insurance policy related information, transmitting the electronic insurance policy and the insurance policy related information to other nodes of the block chain so that the beneficiary node determines a target electronic insurance policy according to the received insurance payment request and the insurance policy related information, completes the transaction to obtain a transaction result, and receives the transaction result transmitted by the beneficiary node.
11. A beneficiary node, comprising:
the information receiving module is used for receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and the client information is determined according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance;
and the transaction management module is used for determining a target electronic insurance bond according to the received insurance bond payment request and the insurance bond related information, completing the transaction to obtain a transaction result and transmitting the transaction result to other nodes of the block chain.
12. A supervising node, configured to:
receiving an electronic insurance policy and the related information of the insurance policy transmitted by a bank node, wherein the electronic insurance policy and the related information of the insurance policy are insurance policy application information transmitted by a client terminal received by the bank node, and determining client information according to the insurance policy application information; determining client credit information corresponding to the client information according to the client information; determining whether the insurance application information passes according to the client credit information, and if so, generating an electronic insurance and insurance related information to obtain the electronic insurance; and receiving a transaction result transmitted by the beneficiary node, determining a target electronic insurance and completing the transaction according to the received insurance payment request and the insurance related information.
13. A insurance letter data processing system based on a block chain is characterized by comprising a bank node, a beneficiary node and a supervision node;
the bank node is used for receiving insurance application information transmitted by a client terminal, determining client information according to the insurance application information, determining client credit information corresponding to the client information according to the client information, determining whether the insurance application information passes or not according to the client credit information, if so, generating electronic insurance and insurance related information, transmitting the electronic insurance and the insurance related information to other nodes of the block chain so that a beneficiary node determines a target electronic insurance according to a received insurance payment request and the insurance related information, completes a transaction, and receives a transaction result transmitted by the beneficiary node.
14. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor,
the processor, when executing the program, implements the method of any of claims 1-9.
15. A computer-readable medium, having stored thereon a computer program,
the program when executed by a processor implementing the method according to any one of claims 1-9.
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| CN202110862349.6A CN113538151A (en) | 2021-07-29 | 2021-07-29 | Block chain-based insurance data processing method, node and system |
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| CN202110862349.6A CN113538151A (en) | 2021-07-29 | 2021-07-29 | Block chain-based insurance data processing method, node and system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114155093A (en) * | 2022-02-08 | 2022-03-08 | 一方函互联网有限公司 | Block chain-based electronic insurance full-flow management and risk management and control system |
| CN114202426A (en) * | 2022-02-16 | 2022-03-18 | 工保科技(浙江)有限公司 | Block chain-based insurance application method, system and medium for electronic insurance function contract |
-
2021
- 2021-07-29 CN CN202110862349.6A patent/CN113538151A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114155093A (en) * | 2022-02-08 | 2022-03-08 | 一方函互联网有限公司 | Block chain-based electronic insurance full-flow management and risk management and control system |
| CN114202426A (en) * | 2022-02-16 | 2022-03-18 | 工保科技(浙江)有限公司 | Block chain-based insurance application method, system and medium for electronic insurance function contract |
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