CN116468562A

CN116468562A - Insurance claim settlement method and apparatus based on block chain

Info

Publication number: CN116468562A
Application number: CN202310365476.4A
Authority: CN
Inventors: 陈赛
Original assignee: Ant Blockchain Technology Shanghai Co Ltd
Current assignee: Ant Blockchain Technology Shanghai Co Ltd
Priority date: 2023-04-04
Filing date: 2023-04-04
Publication date: 2023-07-21

Abstract

The present disclosure provides a method and apparatus for insurance claims based on a blockchain, the blockchain being based on a trusted execution environment, the blockchain being deployed with an intelligent contract, the method comprising: acquiring lease data, wherein the lease data is associated with lease insurance; receiving a first request from a rental claim platform, the first request for requesting the blockchain to process a claim of the rental insurance in the trusted execution environment; based on the lease data, the blockchain invokes the intelligent contract to generate a claim result of the lease insurance in the trusted execution environment.

Description

Insurance claim settlement method and apparatus based on block chain

Technical Field

The disclosure relates to the technical field of blockchains, in particular to a method and a device for insurance claim settlement based on blockchains.

Background

In some scenarios involving transactions, such as rental business, the transaction parties typically contract. However, due to a party losing trust in the transaction, the transaction contract may not be completed and may become bad account. To avoid this, a party to the transaction, such as a renter, may purchase insurance while a rental bond is signed. When bad account occurs, the renter can apply insurance claims to the insurance company.

However, in the process of insurance claim settlement, the sensitive information of the user may be shared in multiparty plaintext, so that the problem of privacy disclosure of the user is caused.

Disclosure of Invention

In view of the foregoing, embodiments of the present disclosure are directed to providing a blockchain-based insurance claim settlement method and apparatus. Various aspects of the disclosure are presented below.

In a first aspect, there is provided a method of insurance claim settlement based on a blockchain, the blockchain being based on a trusted execution environment, the blockchain being deployed with a smart contract, the method comprising: acquiring lease data, wherein the lease data is associated with lease insurance; receiving a first request from a rental claim platform, the first request for requesting the blockchain to process a claim of the rental insurance in the trusted execution environment; based on the lease data, the blockchain invokes the intelligent contract to generate a claim result of the lease insurance in the trusted execution environment.

In a second aspect, there is provided a method of insurance claim settlement based on a blockchain, the blockchain being based on a trusted execution environment, the method being applied to a rental claim settlement platform, the method comprising: receiving a request of an insurance claim application initiated by a renter, wherein the request of the insurance claim application is used for requesting the blockchain to process the claim of the renting insurance; the lease settlement platform sends a first request to the blockchain to request the blockchain to generate a settlement result of the lease insurance in the trusted execution environment.

In a third aspect, there is provided a method of claim settlement for insurance based on a blockchain, the blockchain being a trusted execution environment blockchain, the method being applied to a rental platform, the method comprising: in response to a change in the rental data, the rental platform sends a second request to the blockchain, the second request requesting the blockchain to receive the rental data.

In a fourth aspect, there is provided a blockchain-based insurance claim device, the blockchain being based on a trusted execution environment, the blockchain being deployed with a smart contract, the device comprising: the system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring lease data, and the lease data is associated with lease insurance; a receiving module for receiving a first request from a rental claim platform, the first request for requesting the blockchain to process a claim of the rental insurance in the trusted execution environment; and the generation module is used for calling the intelligent contract by the blockchain based on the leasing data and generating a claim settlement result of the leasing insurance in the trusted execution environment.

In a fifth aspect, there is provided a blockchain-based insurance claim device, the blockchain being based on a trusted execution environment, the device being applied to a rental claim platform, the device comprising: the system comprises a receiving module, a block chain processing module and a storage module, wherein the receiving module is used for receiving a request of an insurance claim application initiated by a renter, and the request of the insurance claim application is used for requesting the block chain to process the claim of renting insurance; the sending module is used for sending a first request to the blockchain by the lease settlement platform so as to request the blockchain to generate a settlement result of the lease insurance in the trusted execution environment.

In a sixth aspect, there is provided a blockchain-based insurance claim device, the blockchain being a trusted execution environment blockchain, the device being applied to a rental platform, the device comprising: and the sending module is used for responding to the change of the leasing data, and is used for sending a second request to the blockchain by the leasing platform, wherein the second request is used for requesting the blockchain to receive the leasing data.

In a seventh aspect, there is provided a blockchain-based insurance claim apparatus including respective modules for performing the methods of the above aspects.

In an eighth aspect, there is provided a blockchain-based insurance claim device having the functionality of a device implementing the above aspects. These functions may be implemented by hardware, or may be implemented by hardware executing corresponding software. The hardware or software includes one or more units corresponding to the above functions.

In a ninth aspect, there is provided a blockchain-based insurance claim device including an input/output interface, a processor, and a memory. The processor is configured to control the transceiver to transceive signals, the memory is configured to store a computer program, and the processor is configured to invoke and run the computer program from the memory, so that the apparatus performs the method in the above aspects.

In a tenth aspect, there is provided a computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the method of the above aspects.

In an eleventh aspect, there is provided a computer readable medium storing program code which, when run on a computer, causes the computer to perform the method of the above aspects.

In a twelfth aspect, a chip system is provided, which comprises a processor for an apparatus to perform the functions involved in the above aspects, e.g. to generate, receive, transmit, or process data and/or information involved in the above apparatus. In one possible design, the system-on-chip further includes a memory for holding the program instructions and data necessary in the device. The chip system can be composed of chips, and can also comprise chips and other discrete devices.

In the embodiment of the disclosure, the lease insurance claims are carried out in the trusted execution environment of the blockchain, so that multiparty sharing of lease data such as user information and the like can be avoided, and the privacy of the user can be protected.

Drawings

FIG. 1 is a schematic diagram of a system architecture of a blockchain to which the present disclosure is applicable.

FIG. 2 is a schematic flow chart of a blockchain-based insurance claim method provided by embodiments of the present disclosure.

FIG. 3 is a schematic flow chart of a blockchain-based insurance claim method provided by another embodiment of the present disclosure.

FIG. 4 is a schematic diagram of a blockchain-based insurance claim device in accordance with embodiments of the present disclosure.

FIG. 5 is a schematic diagram of a blockchain-based insurance claim device in accordance with another embodiment of the present disclosure.

FIG. 6 is a schematic diagram of a blockchain-based insurance claim device in accordance with yet another embodiment of the present disclosure.

FIG. 7 is a schematic diagram of a blockchain-based insurance claim device in accordance with yet another embodiment of the present disclosure.

Detailed Description

The following description of the technical solutions in the embodiments of the present disclosure will be made clearly and completely with reference to the accompanying drawings in the embodiments of the present disclosure, and it is apparent that the described embodiments are only some embodiments of the present disclosure, not all embodiments.

Block chain (Blockchain)

Referring to FIG. 1, a blockchain 100 is a typical distributed collaboration system. The system includes a plurality of blockchain nodes 110. The plurality of blockchain nodes 110 may collectively maintain an ever-increasing distributed data record. The recorded data can protect content and timing through cryptographic techniques, making it difficult for any party to tamper with, repudiate, and counterfeite. The blockchain node 110 may be a device with computing capabilities, e.g., a server group, a blockchain chip, etc., wherein the server group may be centralized or distributed. In other implementations, the server may also be a server that provides services for the cloud platform.

In a blockchain, data (e.g., transaction information, transaction execution results, etc.) may be packaged in the form of blocks (blocks). The blocks may be linked to each other by forward references to form a "chain," i.e., a blockchain. In general, a first block in a blockchain may be referred to as an "initial block," a block in the blockchain that precedes the current block is referred to as a "last block," and a block in the blockchain that follows the current block is referred to as a "subsequent block.

In general, a block may include a block header and a block body. The block header may contain basic information of the current block to ensure that the current block can enter the blockchain correctly. For example, the block header may record a block hash value of a block previous to the current block. For another example, the block header may also record the block height of the current block. The block height is simply "block high" and is used to identify the location of a block in the blockchain. In some implementations, the block height of the initial block is 0. The zone blocks may be used to record transaction information. The transaction information may include, for example, information such as transaction quantity and transaction data.

Blockchains are generally divided into three types: public chains (Public Blockchain), private chains (Private Blockchain) and federated chains (Consortium Blockchain). In addition, there may be combinations of the above types, such as private chain+federation chain, federation chain+public chain, and the like. Embodiments provided by the present disclosure can be implemented in a suitable type of blockchain.

Taking the application of blockchains to the trusted forensic field as an example, with continued reference to fig. 1, the user 130 may interact with the forensic platform 120 to store forensic data in the forensic platform 120. Currently, to further increase the reliability of the forensics, forensics platform 120 may uplink forensics data submitted by user, i.e., forensics data submitted by user 130, in blockchain 100.

In some scenarios, the user may also act as a user of the blockchain, directly downloading the already-uploaded forensic data from the blockchain. Of course, the user may also interact with the blockchain through the certification platform, which is not limited by the embodiments of the present disclosure.

Consensus mechanism

A consensus mechanism can be understood as how a consensus is reached between the nodes in the blockchain responsible for accounting (or accounting nodes) to identify the validity of a record.

The block chain consensus mechanism has the characteristics of 'minority compliance majority' and 'people equal', wherein 'minority compliance majority' does not completely refer to the number of nodes, but can also refer to the computing power, the share weight or other characteristic quantities which can be compared by a computer. The term "people equal" means that when the nodes meet the condition, all nodes have the right to preferentially present the consensus result, are directly recognized by other nodes and finally possibly become the final consensus result. Taking the example of a proof of work, it is only possible to forge an absent record if more than 51% of the accounting nodes of the whole network are controlled. When there are enough nodes to join the blockchain, this is essentially impossible, thus eliminating the possibility of counterfeits.

The self-trust of the blockchain is mainly embodied in that users distributed in the blockchain do not need to trust the other party of the transaction, do not need to trust any centralized mechanism, and can realize the transaction only by trust of a software system under the blockchain protocol. The precondition of the self-trust is a common mechanism of the blockchain, namely, in a mutually-untrusted market, a sufficient requirement for enabling all nodes to agree is that each node spontaneously and honest obeys the preset rules in the protocol for the consideration of maximizing the benefit of the node, judges the authenticity of each record, and finally records judged to be true into the blockchain. In other words, if the nodes have independent interests and compete with each other, the nodes are less likely to collude into deception, which is particularly apparent when the nodes have a common reputation in the network. The blockchain technology is to use a set of mathematical algorithm based on consensus to build a trust network between machines, so that brand new credit creation is performed through technical endorsements rather than centralized credit institutions.

The mechanism of consensus of the blockchain may be, for example, one of the following mechanisms: a Proof Of Work (PoW), a equity Proof mechanism, a share authorization Proof mechanism, a verification pool mechanism, and a utility barthology fault tolerance (Practical Byzantine Fault Tolerance, PBFT).

Intelligent contract

Smart Contract (Smart contact) is a computer protocol that aims to propagate, verify or execute contracts in an informative manner. The smart contract allows trusted transactions to be conducted without a third party. These transactions are traceable and irreversible.

The advent of blockchains provides technical support for the implementation of smart contracts. The intelligent contracts are written into the blockchain in a digital mode, and the storage, reading and execution of the intelligent contracts are transparent, trackable and unchangeable through the characteristics of the blockchain technology. On the other hand, a set of state machine systems can be built by the self-contained consensus algorithm of the blockchain, so that the intelligent contracts can run efficiently.

In some implementations, a user may invoke a smart contract by submitting a transaction to the blockchain system, and set data recorded in the smart contract, and store the set smart contract in the blockchain. Accordingly, when a specific condition of the intelligent contract is triggered, the blockchain node may execute the intelligent contract and record an execution result of the intelligent contract, and an execution state of the intelligent contract.

Currently, various industries, or even some fields in the industry (e.g., finance, public welfare, insurance, cross-border payment, etc.), build different types of blockchains according to their own industry structures, and record information and assets valuable in the industry or industry on the blockchains.

Trusted memory card

As described above, based on the characteristics of non-tamper-proof, high credibility and the like of the blockchain, the method is widely applied to the field of credible certificate, and can provide credible certificate services. To facilitate an understanding of trusted certificates, the following description is presented in connection with several specific industries (or scenarios).

For the digital work registration scene, the internet age information is fast in propagation and wide in scope, and under the condition that the digital works are not registered in advance, the probability of being infringed is high, and the right maintenance cost is high. In this regard, the blockchain trusted forensic service may provide ownership registration services for digital works, including pictures, video, audio, text, codes, etc., that allow the original work to quickly generate judicially approved electronic data forensic certificates, protecting the copyrights of the digital work.

For service-aware forensic scenarios, a great deal of disputes in the internet service industry are whether platforms and merchants explicitly inform users in advance of service constraints, including constraints, usage ranges, service agreements, privacy protection terms, and the like. In this regard, the blockchain trusted forensic service may provide a trusted timestamp, fair and neutral, judicially approved service to be known to the forensic service, helping the platform, merchant and user maintain their own legal equity.

For the electronic certificate scene, the digital certificates such as electronic certificates, transaction certificates, electronic contracts, electronic bills and the like have the defects of difficult management, easy loss, difficult circulation, difficult verification and the like. In this way, the trusted certification service of the blockchain can provide permanent certification and verification service for the electronic certificates of the users, thereby not only facilitating the users to manage the electronic certificates, but also facilitating the circulation of the electronic certificates of the users.

For the online transaction evidence scene, a great amount of detail data exists in online shopping and transaction behaviors, the data are easy to lose along with the time, and the data are difficult to concatenate when disputes occur. In this regard, the blockchain trusted forensic service may provide a fair, objective, judicially approved forensic service for online transactions by users and a double insurance for online data behavior by users.

For infringement maintenance evidence scene, when legal rights and interests of the user are infringed, the trusted evidence-preserving service of the blockchain can provide evidence-preserving service of infringement evidence for the user, such as service clauses, service contents, transaction prices, customer service communication records and the like of infringement websites, so that the evidence-preserving capability of the user in the process of maintaining rights and interests is ensured.

Trusted execution environment (Trusted Execution Enviorment, TEE)

The principle of the trusted execution environment is to divide the hardware and software resources of the system into two execution environments—a trusted execution environment and a normal execution environment. The two environments are securely isolated, with independent internal data paths and storage space required for computation. Wherein, the application program of the common execution environment cannot access the trusted execution environment, and even inside the trusted execution environment, the running of a plurality of applications are mutually independent and cannot be accessed mutually without authorization.

The trusted execution environment can construct a safe area in the processor through a software and hardware method, and the confidentiality and the integrity of programs and data loaded in the safe area are guaranteed.

In some scenarios, such as in the financial domain, the privacy of the user is often required. Thus, blockchain techniques may be combined with trusted execution environment techniques to provide users with efficient, universal, and secure blockchain privacy preserving capabilities.

As one implementation, the blockchain may deploy some trusted nodes to communicate with the trusted execution environment through encryption techniques to handle traffic requiring privacy protection in the external trusted execution environment. As another implementation, a trusted execution environment may be deployed in the blockchain, that is, a generic environment and a trusted execution environment may be included in the blockchain, such that traffic requiring privacy protection is handled in the trusted execution environment. In this way, each node of the blockchain cannot acquire the private data and the processing procedure of the private data in the trusted execution environment. Therefore, the privacy of the user can be effectively protected based on the blockchain of the trusted execution environment.

Leasing business

Rental businesses offer much convenience for people's life, but due to some small and medium platform trustworthiness issues, economic losses may be incurred for renters.

As described above, based on the basic principle of real non-falsification of the blockchain, the rental business can be uplink, so that the problem that the rental industry ecology is not trusted to the small rental platform is solved. As an implementation mode, the leasing platform based on the blockchain can help small and medium-sized merchants solve the operational problems of high purchasing cost, difficult financing and large bad accounts, and realize the upgrading of the whole leasing industry. By reconstructing the production relationship in the rental ecology, the rental industry can be developed from heavy assets to light assets. For example, rental asset can be implemented through a blockchain-based rental platform. As another example, one-key financing on a blockchain chain can be realized, and the problems of difficult financing, expensive financing and fund bottleneck can be solved. As another example, source purchasing on the chain can be achieved, so that the leasing business can directly reach the manufacturer, the purchasing difficulty is solved from the source, and the leasing industry is generalized.

Blockchains can provide many benefits to rental business. For example, the blockchain can provide a guarantee of the transaction authenticity of the rental business, as one example, a certification of the transaction record of the rental business can be uploaded to the blockchain. As another example, blockchains can also enable standardization of rental business trade order financing.

In some cases, rental business participants may include renters and tenants, the renters may provide devices, products, and the tenants may rent the devices or products. In other cases, rental business participants may include renters, sponsors, and tenants, where the sponsors may fund the renters for the renters to make purchases of devices or products that the tenants may rent.

In some scenarios involving transactions, such as rental business, the parties to the transaction may typically enter into a transaction contract in which the payment means of the transaction may be specified, such as one-time payment, installment, and the like. However, due to a party losing trust in the transaction, the transaction contract may not be completed and may become bad account. Taking a rental service as an example, in general, participants of the rental service can sign a rental contract, and the rental contract can specify the duration of the rental service, the payment method and payment time of the lessee, and the like. However, due to a lessee losing trust, etc., the lease order may not be completed, and thus may become bad account.

To avoid this, one party in the transaction, such as the renter, would purchase insurance while the renter is signed up for a rental bond. When bad account occurs, the renter can apply insurance claims to the insurance company, the insurance company can audit the renting data first, calculate the claims amount and pay the claims. Rental data may be provided by the renter to the insurer, which may include, for example, a rental order, personal information of the tenant, and transaction records between the tenant and the renter regarding the rental order.

In the insurance claim process, the user sensitive information, such as personal information of lessees, is subjected to multiparty plaintext sharing, which may cause the problem of privacy disclosure of users.

A blockchain-based insurance claim method in accordance with embodiments of the present disclosure is described below in conjunction with FIG. 2. The method shown in FIG. 2 may be performed by a blockchain, for example, by one or more nodes in the blockchain.

The blockchain referred to in method 200 may be deployed with a trusted execution environment, which blockchain may also be referred to as a trusted execution environment-based blockchain or a trusted execution environment blockchain. In the trusted execution environment, data and the processing process of the data are not transmitted outwards, and a user cannot obtain a plaintext in the trusted execution environment, namely the data.

The blockchain mentioned in method 200 may also be deployed with a smart contract that may be used to process claims of the rental insurance, such as calculating a claims amount for the rental insurance, and the like.

Referring to fig. 2, the method shown in fig. 2 may include steps S210 to S230.

In step S210, rental data is acquired. The rental data is associated with a rental insurance.

In general, a rental insurance may be associated with one or more rental orders, and the rental data may be data of the rental order associated with the rental insurance. The rental data may be information of the lessee in the rental order and transaction records associated with the rental order, such as repayment information of the lessee. For example, the rental data may be a record of rentals paid to the renter by the tenant, such as a bank transfer record, a bank running line, and the like. The rental data may also be a rental amount that the tenant needs to pay to the renter, such as the rental amount in the rental order.

In some cases, the rental data also includes personal information of the lessee, such as name, identity information, bank card number, address, etc.

The rental data is obtained in a plurality of ways. For example, rental data can be provided directly by the renter or by the rental platform. In actual use, the system can be provided by a renter or a renting platform when insurance claims are processed, or can be provided in advance by the renter or the renting platform when renting data change. For example, when forming a rental order, the rental order and rental data for the renter and the tenant to whom the rental order relates may be provided by the renter or the rental platform. For another example, when a tenant performs a repayment, the renter or the renting platform may provide repayment amount, repayment manner, repayment time, and other lease data of the tenant. As one implementation, the inventory of rental data may be uploaded to the blockchain periodically, or as the rental data changes.

In step S220, a first request is received.

The first request may be initiated by the renter via the rental claim platform or by the insurer via the rental claim platform. In some embodiments, the first request may also be initiated automatically by a system of the lease settlement platform if the lessee does not fulfill the repayment as per the contract requirements.

The first request may be for requesting the blockchain to process a claim of the rental insurance or a claim service of the rental insurance in a trusted execution environment.

Generally, if a claim of rental insurance is initiated, the need to complete the work may include one or more of the following: and collecting lease data, auditing based on the collection result of the lease data and the insurance contract, and calculating the claim settlement based on the auditing result. In some cases, verification of authenticity and/or integrity of rental data is also required.

Accordingly, the claims service of the rental insurance may include an application service of the rental insurance, an audit service of the rental insurance, a claims amount calculation service of the rental insurance, a rental order verification service, and the like.

In step S230, based on the rental data, the blockchain invokes the smart contract to generate a claim result of the rental insurance in the trusted execution environment.

In response to the first request, the blockchain may generate a claim result of the rental insurance based on the rental data. The claims result of the rental insurance may include a calculation result of the claims amount of the rental insurance. For example, the blockchain may determine the current status of the rental order based on the rental order and the payoff information of the tenant. As another example, the blockchain may calculate the claim amount for the rental insurance based on the insurance contract and the current status of the rental order.

As an implementation manner, the processing procedure of generating the claim result of the leasing insurance may be implemented through an intelligent contract. For ease of use, the smart contract may be generated based on the contents of the insurance contract agreement. In some embodiments, corresponding contract rules may be added to the smart contracts based on actual usage requirements, such as rental order verification requirements. In other embodiments, contract rules in the smart contract may be determined based on the content of the claim settlement service so that the smart contract may be used to process one or more of the claim settlement services described above for rental insurance.

As described above, since the claims of the rental insurance generally relate to the sensitive data or the private data of the user, and the trusted execution environment has the privacy protection function, the blockchain can process the claims service of the rental insurance in the trusted execution environment, such as the audit service of the rental insurance, the claims amount calculation service of the rental insurance, and the rental order verification service. Therefore, the user privacy data or the sensitive data only appear in the trusted execution environment and do not penetrate outwards, so that the user privacy can be well protected.

As mentioned above, rental data may be provided directly by the renter, such as when applying for rental insurance claims, but in this way it is not possible to determine whether the rental data is truly valid or tampered with. For example, there is no guarantee that the renter is not in a fraudulent act. On the other hand, when the insurance company calculates the amount of the payoff, there may be subjective judgment, and thus, there is a problem of mutual trust between the purchaser who rents the insurance, i.e., the renter, and the insurance company.

The aforementioned method 200 can solve the problem that there is subjective judgment when the insurance company calculates the claim amount, and for the problem that the real validity of the rental data cannot be obtained, the rental data can be stored in the blockchain, so as to ensure the real validity of the rental data. For example, rental data may be sent to the blockchain for storage on a periodic basis or as the rental data changes.

As one implementation, rental data may be stored in the blockchain through a rental platform. At this time, step S210 in the method 200 described above may be replaced with acquiring rental data from the rental platform. As an example, the above step S210 may be replaced with step S240 and step S250.

In step S240, a second request is received from the rental platform.

The second request may be for requesting blockchain rental data, that is, the second request may be for requesting blockchain storage of a certification of the rental data. The rental platform can periodically send a second request to the blockchain requesting that the blockchain store rental data in the blockchain for a period of time. The rental platform can also upload a certificate of the changed rental data to the blockchain in response to the rental data being changed. For example, at each payoff period, the rental platform may send a second request to the blockchain. As another example, the rental platform can send a second request to the blockchain when a rental order is generated, or when a tenant pays back.

In step S250, the blockchain stores the rental data into the trusted execution environment.

As described above, sensitive data or private data of the user, such as identity information of the tenant, is related to the rental data, so that the blockchain can store the rental data in an encrypted manner. As one implementation, the blockchain may store rental data into the trusted execution environment.

Therefore, the authenticity and the effectiveness of the leasing data can be guaranteed, and the safety of the leasing data can be guaranteed, namely the privacy of a user is protected. That is, the embodiments of the present disclosure help to improve the true validity of rental data by storing the rental data in the blockchain, and further help to protect user privacy by storing the rental data in the trusted execution environment of the blockchain in an encrypted manner.

In some embodiments, the blockchain may first verify rental data when the blockchain receives an insurance claim request, such as the first request mentioned above. Verification of rental data may include verification of the integrity of the rental data, that is, verification of the integrity of the rental data may be performed prior to making the insurance claim. For example, it may be checked whether the rental data includes a plurality of items of data such as a rental order, rental person information, tenant information, and repayment information, and if the plurality of items of data are complete, the integrity check of the rental data is qualified.

Execution of the validation rules of the rental data can be implemented by smart contracts. For example, a responsive smart contract may be generated based on the verification item, such as an integrity check, and the content of the verification item. Based on this, the blockchain may invoke the smart contract to enable verification of the rental data.

As one implementation, the blockchain may generate claims results for the rental insurance based on the verification of the rental data. That is, if the rental data is verified to be qualified, a subsequent insurance claim settlement service can be performed; if the lease data checking result is not qualified, the subsequent insurance claim service can be temporarily not processed. Thus, invalid work of the blockchain under the condition that the leased data is incomplete can be avoided.

Similar to the execution of the rental data verification rules described above, the execution of the claims rules for rental insurance may also be implemented by smart contracts. Thus, based on the verification results of the rental data, the blockchain may invoke the smart contract to generate claims results of the rental insurance. To protect the user's private data, sensitive data, the blockchain may invoke an intelligent contract to generate claims results of the rental insurance in a trusted execution environment.

As one implementation, based on the verification of the rental data, the blockchain may receive a third request from the rental claim platform, which may be used to request the blockchain to process claims of the rental insurance in a trusted execution environment. In practical use, the claims of the rental insurance involve multiparty interaction, and after the rental data is verified to be qualified, the blockchain can send a notification for allowing the claims to be initiated to the insurance company, that is, the insurance company can initiate the claims verification of the rental insurance to the blockchain through the rental claims platform.

When the verification result of the rental data is qualified, the blockchain may receive a third request from the rental platform. In response to the third request, the blockchain may invoke the smart contract to generate claims results of the rental insurance in the trusted execution environment based on the rental data. For example, the claims amount for the rental insurance may be generated according to rules for calculating claims amounts in the smart contracts.

In some scenarios, rental data may also be stored in the rental claims platform. When receiving the claim settlement application, the lease settlement platform can pre-check lease data, wherein the lease data is associated with lease insurance for applying the claim settlement, or the lease data is associated with lease orders corresponding to the lease insurance for applying the claim settlement.

The pre-verification of rental data may include the aforementioned integrity verification of the rental data. In the disclosed embodiments, by pre-checking under the chain (lease claims platform), it helps to further reduce the workload of the blockchain.

In general, an insurance company may initiate a claim audit request for a lease insurance to a lease term platform, which may be used to request a blockchain to audit a claim for a lease insurance. The rental claim platform can then send a third request to the blockchain to request that the blockchain generate a claim result of the rental insurance in the trusted execution environment.

When the rental claim platform receives the request of the insurance claim audit initiated by the insurance company, as an implementation manner, the rental claim platform can verify the relationship between the insurance company and the rental data, wherein the rental data is the rental data associated with the rental order corresponding to the claim audit request. For example, the binding relationship of an insurance company to a lease order may be verified, that is, whether the insurance company has authority to process the insurance claims service of the lease order.

Based on the verification result of the insurance company and the lease data, the lease claim platform can send a third request to the blockchain. If the verification result is acceptable, that is, the insurance company has authority to handle the insurance claim business of the lease order, the lease claim platform can send a third request to the blockchain.

It was mentioned above for many times that some services in the insurance claim settlement process may be handled by the smart contracts, and as an implementation manner, the rental claim settlement platform may generate the smart contracts according to preset contract rules. For example, smart contracts may be generated based on execution rules in rental insurance, or may be generated based on business requirements, such as the check business mentioned previously.

In the embodiment of the disclosure, multiple services of insurance claims are required to be executed in a trusted execution environment to protect privacy of users, so as one implementation, the smart contract may be deployed in the trusted execution environment of the blockchain, and as another implementation, the execution environment of one or more contents in the smart contract may be specified in the smart contract. In this case, the smart contract may be deployed on the blockchain, and the trusted execution environment in the blockchain may be invoked when certain content of the smart contract needs to be executed in the trusted execution environment.

As mentioned above, in response to a change in rental data, the rental platform can upload the rental data to the blockchain via the second request. In other cases, when the renter uploads rental data, such as a rental order, to the rental platform, the rental platform may upload the rental data to the blockchain through the second request.

As one implementation, the rental platform can verify the rental data, such as verifying the tenant's information, the tenant's performance and repayment records, and the like, prior to uploading the rental data to the blockchain. If the rental data check result is acceptable, that is, the rental data is truly valid, the rental platform can upload the rental data to the blockchain.

From the foregoing, it can be seen that in the embodiments of the present disclosure, the authenticity of rental data is facilitated to be improved by multiple pre-checks, and in addition, the blockchain resources are facilitated to be saved by completing part of the check service under the chain.

For ease of understanding, the blockchain-based insurance claim method of embodiments of the present disclosure is described below in connection with fig. 3. The method 300 involves a renter, an insurance company, a rental platform, a rental claim platform, and a blockchain, wherein the blockchain deploys a trusted execution environment.

Referring to fig. 3, the method 300 may include steps S302 to S336. The steps performed by the blockchain in method 300, as noted below, may be performed in a trusted execution environment of the blockchain.

In step S302, an intelligent contract execution rule is determined.

For example, execution rules for the smart contract may be determined based on the content of the rental order contract, insurance contract, and the like. As another example, execution rules of the smart contract may be determined based on business requirements in the insurance claim process, such as the requirements of the rental data verification business as mentioned above.

In actual use, the execution rules of the smart contract may be determined by the renter and insurer negotiations.

In step S304, a smart contract is generated.

Based on the execution rule of the smart contract determined in step S302, a smart contract or a smart contract script may be generated. From a functional perspective, the smart contract may be used for verification of rental data, calculation of claim results, and the like. From a usage perspective, the smart contract may include a calculation rule that allows for applying for the condition of the claim, the amount of the claim for the rental insurance.

In actual use, when a lease insurance claim settlement application and audit occurs, a claim settlement result of the lease insurance can be generated by calling the intelligent contract.

In step S306, a smart contract is deployed.

As one implementation, the smart contracts may be deployed in the blockchain based on the smart contract script generated in step S304. For example, the smart contracts may be deployed in a trusted execution environment blockchain. As another example, smart contracts may be uploaded and deployed into a blockchain through a lease claims platform.

In step S312, rental order data is uploaded.

Rental order data, i.e., rental data, can be uploaded to the blockchain by the renter via the rental platform, i.e., related certificates of the rental order can be stored in the blockchain to solve the problem of trustworthiness of the rental data. For example, after a renter contracts with a tenant, the renter can upload rental order information, tenant information, and subsequent repayment information, default information, and other rental data into the blockchain via the rental platform.

In step S314, rental data is verified.

The rental platform can verify the rental order data before uploading the rental order data to the blockchain. For example, tenant information, performance and repayment records may be verified, which may help to improve the authenticity and accuracy of rental data.

In step S316, rental data is stored.

To increase the security of user data, rental data may be saved in the blockchain in an encrypted manner. For example, rental data can be stored in a trusted execution environment of the blockchain. In this way, the insurance company cannot directly obtain the plaintext data of the rental data when performing the business such as insurance claim auditing based on the rental data.

In the embodiment of the disclosure, through the full-flow uplink of the leasing data, the leasing insurance claims can be audited without manually filling the data in the leasing insurance claims process, and excessive human intervention is not needed, so that the problems of credibility and transparency of the data of the under-link transaction are solved. Meanwhile, lease data is stored in a block chain of a trusted execution environment with privacy protection, and when claim settlement application and auditing are carried out, the data can be encrypted and decrypted in the trusted execution environment, so that sensitive user data is ensured not to be revealed.

The process of lease insurance claims may include steps S322 to S336.

In step S322, a claims application is initiated.

The insurance claim application may be initiated by a renter or an insurance company via a rental claim platform.

In step S324, the rental order is checked.

When the lease settlement platform receives the insurance settlement application, the lease data can be checked. For example, the rental claim platform can pre-check the integrity of the rental data. As one example, the rental claim platform can verify that rental order data corresponding to the claim application (the claim application initiated in step S322) exists.

In step S326, the rental data check.

When the block link receives an insurance claim application, the integrity of the rental data can be verified. For example, rental order data, insurance contract data may be checked for completeness. If the rental data is complete, a claims audit request is allowed to be initiated, at which point the blockchain may send a notification to the insurer or renter that claims are allowed. If the rental data is incomplete, the claims audit request is not allowed to be initiated.

In step S332, a claims audit application is initiated.

As one implementation, an application for an audit of claims may be initiated by an insurance company via a lease term platform.

In step S334, the binding relationship is checked.

When a claim auditing application initiated by the insurance company is received, the lease claim settlement platform can verify the binding relation between the insurance company and the lease order.

In step S336, insurance claim results are generated.

When the block link receives the claim auditing application, the historical evidence-storing data of the lease order can be acquired from the trusted execution environment, then the intelligent contract is called, and the claim settlement amount and the judgment basis thereof are calculated based on the evidence-storing data of the lease order. Wherein the claim amount may be calculated in a trusted execution environment.

It can be seen that the whole claim settlement process of the leasing insurance is executed in a trusted execution environment, and the leasing data cannot be transmitted downwards, so that the privacy of the user can be effectively protected.

In the embodiment of the disclosure, the lease data is encrypted and stored on the block chain of the trusted execution environment in the whole process, the block chain can realize inquiry, acquisition and calculation of the claim amount of the lease data through the intelligent contract, the mode of transmitting the data under the chain to the intelligent contract in the past is abandoned, the problem of data trust and tampering can be solved, and the whole process of insurance claim settlement, such as claim settlement application, inspection and audit, can be performed by the intelligent contract, so that the automatic processing efficiency is improved.

In addition, when insurance claims are processed on the block chain of the trusted execution environment, decrypted plaintext data can be used in the trusted execution environment, so that sensitive data cannot be outwards revealed, the problem of multiparty sharing of plaintext data is solved, the data privacy is protected, and the security level is improved.

It should be noted that, the insurance claim settlement method provided by the embodiment of the disclosure can be applied to the interaction scene of the lease claim settlement platform and the blockchain, and also can be applied to the interaction scene of the lease platform, the lease claim settlement platform and the blockchain.

Method embodiments of the present disclosure are described above in detail in connection with fig. 1-3, and apparatus embodiments of the present disclosure are described below in detail in connection with fig. 4-7. It is to be understood that the description of the device embodiments corresponds to the description of the method embodiments, and that parts not described in detail can therefore be seen in the preceding method embodiments.

FIG. 4 is a schematic diagram of a blockchain-based insurance claim device in accordance with embodiments of the present disclosure, where the device 400 shown in FIG. 4 may be located in a blockchain. The apparatus 400 may include an acquisition module 410, a reception module 420, and a generation module 430.

An acquisition module 410 for acquiring rental data, the rental data being associated with a rental insurance.

A receiving module 420 is configured to receive a first request from a rental claim platform, the first request requesting the blockchain to process a claim of the rental insurance in the trusted execution environment.

The generating module 430 is configured to generate, in the trusted execution environment, a claim result of the lease insurance based on the lease data, by calling the intelligent contract by the blockchain.

In one possible implementation manner, the acquiring module is configured to: receiving a second request from a rental platform, the second request for requesting the blockchain to receive the rental data; the blockchain stores the rental data into the trusted execution environment.

In one possible implementation manner, the generating module is configured to: responding to the first request, calling the intelligent contract by the blockchain, and checking the leasing data; based on the verification result of the leasing data, the blockchain invokes the intelligent contract to generate a claim result of the leasing insurance in the trusted execution environment.

In one possible implementation manner, the verifying result based on the leasing data, the blockchain invoking the intelligent contract, generating a claim result of the leasing insurance in the trusted execution environment, including: receiving a third request from the lease settlement platform based on the verification result of the lease data, wherein the third request is used for requesting the blockchain to audit the settlement of the lease insurance in the trusted execution environment; and responding to the third request, calling the intelligent contract, and generating a claim settlement result of the leasing insurance in the trusted execution environment based on the leasing data.

In one possible implementation manner, the generating module is configured to: based on the lease data, the blockchain invokes the intelligent contract to generate a calculation result of the claim amount of the lease insurance in the trusted execution environment.

FIG. 5 is a schematic diagram of an insurance claim device based on a blockchain based on a trusted execution environment, the device 500 shown in FIG. 5 can be applied to a rental claim platform, and the device 500 can include a receiving module 510 and a transmitting module 520.

The receiving module 510 is configured to receive a request for an insurance claim application initiated by a renter, where the request for the insurance claim application is used to request the blockchain to process a claim of the rented insurance.

And the sending module 520 is configured to send a first request to the blockchain by the rental claim platform to request the blockchain to generate a claim result of the rental insurance in the trusted execution environment.

In one possible implementation, the receiving module is configured to: receiving a request of the insurance claim application initiated by the renter; the rental claim settlement platform verifies rental data, which is associated with the rental insurance.

In one possible implementation manner, the sending module is configured to: receiving an insurance claim auditing request initiated by an insurance company, wherein the insurance claim auditing request is used for requesting the blockchain to audit the claim of the leased insurance; and sending a third request to the blockchain to request the blockchain to generate a claim result of the lease insurance in the trusted execution environment.

In one possible implementation, the sending a third request to the blockchain to request the blockchain to generate a claim result of the lease insurance in the trusted execution environment includes: responding to the insurance claim auditing request, and verifying the relation between the insurance company and the leasing data; based on the verification result of the relationship between the insurance company and the lease data, the lease settlement platform sends a third request to the blockchain to request the blockchain to generate a settlement result of the lease insurance in the trusted execution environment.

In one possible implementation, the apparatus further includes: the generation module is used for generating an intelligent contract based on the leasing insurance, and the intelligent contract is used for processing the service of the leasing insurance in a trusted execution environment; deploying the smart contract into the trusted execution environment of the blockchain.

FIG. 6 is a schematic diagram of a blockchain-based insurance claim device of yet another embodiment of the present disclosure, the blockchain being based on a trusted execution environment, the device 600 shown in FIG. 6 being applicable to rental platforms, the device 600 may include a sending module 610.

And a sending module 610, responsive to the change in the rental data, configured to send a second request to the blockchain by the rental platform, the second request requesting the blockchain to receive the rental data.

In one possible implementation manner, the sending module is configured to: responding to the change of the leasing data, and checking the leasing data by the leasing platform; based on the verification result of the leasing data, the leasing platform sends the second request to the trusted execution environment blockchain.

Fig. 7 is a schematic block diagram of an apparatus of a further embodiment of the present disclosure. The apparatus 700 shown in fig. 7 may include: memory 710, processor 720, and input/output interface 730. The memory 710, the processor 720, and the input/output interface 730 are connected through an internal connection path, where the memory 710 is configured to store instructions, and the processor 720 is configured to execute the instructions stored in the memory 720 to perform the method described in any of the foregoing embodiments.

It should be appreciated that in the disclosed embodiments, the processor 720 may employ a general-purpose central processing unit (Central Processing Unit, CPU), microprocessor, application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits for executing associated programs to implement the techniques provided by the disclosed embodiments.

The memory 710 may include read only memory and random access memory and may provide instructions and data to the processor 720. A portion of processor 720 may also include nonvolatile random access memory. For example, processor 720 may also store information of the device type.

In implementation, the steps of the apparatus described above may be accomplished by integrated logic circuitry in hardware in processor 720 or instructions in software. The methods disclosed in connection with the embodiments of the present disclosure may be embodied directly in hardware processor execution or in a combination of hardware and software modules in a processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in the memory 710, and the processor 720 can read the information in the memory 710, and combine with the hardware to perform the steps of the method. To avoid repetition, a detailed description is not provided herein.

It should be appreciated that in embodiments of the present disclosure, the processor may be a central processing unit (Central Processing Unit, CPU), the processor may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

It should be understood that in the disclosed embodiments, "B corresponding to a" means that B is associated with a from which B may be determined. It should also be understood that determining B from a does not mean determining B from a alone, but may also determine B from a and/or other information.

It should be understood that the term "and/or" is merely an association relationship describing the associated object, and means that three relationships may exist, for example, a and/or B may mean: a exists alone, A and B exist together, and B exists alone. In addition, the character "/" herein generally indicates that the front and rear associated objects are an "or" relationship.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the several embodiments provided in the present disclosure, it should be understood that the disclosed systems, devices, and apparatuses may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in each embodiment of the present disclosure may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit.

In the above embodiments, it may be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, produces a flow or function in accordance with embodiments of the present disclosure, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, or other programmable apparatus. The computer instructions may be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by a wired (e.g., coaxial cable, fiber optic, digital subscriber line (digital subscriber Line, DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer readable storage medium may be any available medium that can be read by a computer or a data storage device such as a server, data center, etc. that contains an integration of one or more available media. The usable medium may be a magnetic medium (e.g., a floppy disk, a hard disk, a magnetic tape), an optical medium (e.g., a digital versatile disk (digital video disc, DVD)), or a semiconductor medium (e.g., a Solid State Disk (SSD)), or the like.

The foregoing is merely specific embodiments of the disclosure, but the protection scope of the disclosure is not limited thereto, and any person skilled in the art can easily think about changes or substitutions within the technical scope of the disclosure, and it is intended to cover the scope of the disclosure. Therefore, the protection scope of the present disclosure shall be subject to the protection scope of the claims.

Claims

1. A method of insurance claims based on a blockchain, the blockchain being based on a trusted execution environment, the blockchain deployed with intelligent contracts, the method comprising:

acquiring lease data, wherein the lease data is associated with lease insurance;

receiving a first request from a rental claim platform, the first request for requesting the blockchain to process a claim of the rental insurance in the trusted execution environment;

based on the lease data, the blockchain invokes the intelligent contract to generate a claim result of the lease insurance in the trusted execution environment.

2. The method of claim 1, the obtaining rental data comprising:

receiving a second request from a rental platform, the second request for requesting the blockchain to receive the rental data;

The blockchain stores the rental data into the trusted execution environment.

3. The method of claim 1, the generating, based on the lease data, a claim result of the lease insurance in the trusted execution environment by the blockchain invoking the smart contract, comprising:

responding to the first request, calling the intelligent contract by the blockchain, and checking the leasing data;

based on the verification result of the leasing data, the blockchain invokes the intelligent contract to generate a claim result of the leasing insurance in the trusted execution environment.

4. The method of claim 3, the generating, based on the verification of the rental data, the claim result of the rental insurance in the trusted execution environment by the blockchain invoking the smart contract, comprising:

receiving a third request from the lease settlement platform based on a verification result of the lease data, the third request being for requesting the blockchain to process a settlement of the lease insurance in the trusted execution environment;

and responding to the third request, calling the intelligent contract, and generating a claim settlement result of the leasing insurance in the trusted execution environment based on the leasing data.

5. The method of claim 1, the generating, based on the lease data, a claim result of the lease insurance in the trusted execution environment by the blockchain invoking the smart contract, comprising:

based on the lease data, the blockchain invokes the intelligent contract to generate a calculation result of the claim amount of the lease insurance in the trusted execution environment.

6. A blockchain-based insurance claim settlement method, the blockchain being based on a trusted execution environment, the method being applied to a rental claim settlement platform, the method comprising:

receiving a request of an insurance claim application initiated by a renter, wherein the request of the insurance claim application is used for requesting the blockchain to process the claim of the renting insurance;

the lease settlement platform sends a first request to the blockchain to request the blockchain to generate a settlement result of the lease insurance in the trusted execution environment.

7. The method of claim 6, the receiving a request for an insurance claim application initiated by a renter, comprising:

receiving a request of the insurance claim application initiated by the renter;

the rental claim settlement platform verifies rental data, which is associated with the rental insurance.

8. The method of claim 6, the lease settlement platform sending a first request to the blockchain to request the blockchain to generate a settlement result of the lease insurance in the trusted execution environment, comprising:

receiving an insurance claim auditing request initiated by an insurance company, wherein the insurance claim auditing request is used for requesting the blockchain to audit the claim of the leased insurance;

and sending a third request to the blockchain to request the blockchain to generate a claim result of the lease insurance in the trusted execution environment.

9. The method of claim 8, the sending a third request to the blockchain to request the blockchain to generate a claim result of the lease insurance in the trusted execution environment, comprising:

responding to the insurance claim auditing request, and verifying the relation between the insurance company and the leasing data;

based on the verification result of the relationship between the insurance company and the lease data, the lease settlement platform sends a third request to the blockchain to request the blockchain to generate a settlement result of the lease insurance in the trusted execution environment.

10. The method of claim 6, the method further comprising:

generating an intelligent contract based on the lease insurance, wherein the intelligent contract is used for processing the service of the lease insurance in a trusted execution environment;

deploying the smart contract into the trusted execution environment of the blockchain.

11. A blockchain-based insurance claim method, the blockchain being a trusted execution environment blockchain, the method being applied to a rental platform, the method comprising:

in response to a change in the rental data, the rental platform sends a second request to the blockchain, the second request requesting the blockchain to receive the rental data.

12. The method of claim 11, the sending, by the rental platform, a second request to the trusted execution environment blockchain in response to the change in the rental data, comprising:

responding to the change of the leasing data, and checking the leasing data by the leasing platform;

based on the verification result of the leasing data, the leasing platform sends the second request to the trusted execution environment blockchain.

13. An insurance claim device based on a blockchain, the blockchain being based on a trusted execution environment, the blockchain being deployed with a smart contract, the device comprising:

The system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring lease data, and the lease data is associated with lease insurance;

a receiving module for receiving a first request from a rental claim platform, the first request for requesting the blockchain to process a claim of the rental insurance in the trusted execution environment;

and the generation module is used for calling the intelligent contract by the blockchain based on the leasing data and generating a claim settlement result of the leasing insurance in the trusted execution environment.

14. The apparatus of claim 13, the acquisition module to:

the blockchain stores the rental data into the trusted execution environment.

15. The apparatus of claim 13, the generation module to:

16. The apparatus of claim 15, the blockchain invoking the smart contract based on the verification of the rental data to generate a claim result of the rental insurance in the trusted execution environment, comprising:

Receiving a third request from the lease settlement platform based on the verification result of the lease data, wherein the third request is used for requesting the blockchain to audit the settlement of the lease insurance in the trusted execution environment;

17. The apparatus of claim 13, the generation module to:

18. An insurance claim settlement apparatus based on a blockchain, the blockchain being based on a trusted execution environment, the apparatus being applied to a rental claim settlement platform, the apparatus comprising:

the system comprises a receiving module, a block chain processing module and a storage module, wherein the receiving module is used for receiving a request of an insurance claim application initiated by a renter, and the request of the insurance claim application is used for requesting the block chain to process the claim of renting insurance;

the sending module is used for sending a first request to the blockchain by the lease settlement platform so as to request the blockchain to generate a settlement result of the lease insurance in the trusted execution environment.

19. The apparatus of claim 18, the receiving means for:

receiving a request of the insurance claim application initiated by the renter;

20. The apparatus of claim 18, the transmitting module to:

21. The apparatus of claim 20, the sending a third request to the blockchain to request the blockchain to generate a claim result of the lease insurance in the trusted execution environment, comprising:

22. The apparatus of claim 18, the apparatus further comprising:

the generation module is used for generating an intelligent contract based on the leasing insurance, and the intelligent contract is used for processing the service of the leasing insurance in a trusted execution environment;

23. An insurance claim device based on a blockchain, the blockchain being a trusted execution environment blockchain, the device being applied to a rental platform, the device comprising:

and the sending module is used for responding to the change of the leasing data, and is used for sending a second request to the blockchain by the leasing platform, wherein the second request is used for requesting the blockchain to receive the leasing data.

24. The apparatus of claim 23, the transmitting module to:

25. A blockchain-based insurance claim device including a memory having executable code stored therein and a processor configured to execute the executable code to cause the device to implement the method of any of claims 1-12.