WO2020042508A1

WO2020042508A1 - Method, system and electronic device for processing claim incident based on blockchain

Info

Publication number: WO2020042508A1
Application number: PCT/CN2018/125247
Authority: WO
Inventors: 徐财应
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2018-08-29
Filing date: 2018-12-29
Publication date: 2020-03-05
Also published as: CN109118377A; CN109118377B

Abstract

A method, system and electronic device for processing a claim incident based on a blockchain. The method comprises: a user certificate center server generating a target token according to target authorization certification information sent by a user terminal (201) and sending the target token to the user terminal (202); an insurance company server converting the received target token into certification information to be authenticated and authorized and sending the certification information to be authenticated and authorized to the user certificate center server (203); when determined that the certification information to be authenticated and authorized matches target authorization certification information, the user certificate center server generating an authentication result and sending the authentication result to the insurance company server (204); and the insurance company server generating a claim result according to claim information (205). The present method is based on blockchain technology and simplifies the step of the server of an insurance company authenticating the authenticity of authorization certificates of each user, thereby simplifying the claim process of the insurance company.

Description

Method, system and electronic device for processing claims event based on blockchain

[0001] This application is based on and claims the priority of the Chinese patent application CN201810998518.7, filed on August 29, 2018, with an invention name of "A Blockchain-Based Claims Processing Method, System, and Electronic Equipment" This is incorporated herein by reference in its entirety.

[0002] The present application relates to the field of blockchain technology, and in particular, to a method, system, and electronic device for processing claims events based on the blockchain.

Background technique

[0003] At present, as people's risk awareness increases, people's attention to risk protection for themselves and their families has also increased. As a financial product that can take into account both risk protection and value-added services, insurance products play an irreplaceable role in social production and life. Therefore, more and more people choose to protect personal and family health, assets and other property by purchasing insurance products. All insurance companies will face claims from the policyholders. However, in the process of claim settlement, traditional insurance companies usually need to issue authorization certificates and photos of the insurance scene at the policyholders insured by the insurance company. The archived information verifies the authenticity of the authorization certificate. After confirming the authenticity of the authorization certificate of the policyholder, the insurance company compensates the policyholder based on the photos of the scene of the risk uploaded by the policyholder. The inventor of this application realizes that the insurance company needs to store the information of all the insured persons, and also needs to verify the authenticity of the authorization certificate of each insured person applying for claims, which has caused the insurance company's claims process to be too complicated.

Summary of invention

technical problem

Problem solution

Technical solutions

[0004] The present application provides a method, a system, and an electronic device for processing a claims event based on a blockchain. [0005] A method for processing a claims event based on a blockchain, the method includes:

[0006] the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal; [0007] the user certificate center server sends the target token to the user terminal;

[0008] when the insurance company server receives the claim information and the target token sent by the user terminal, the insurance company server converts the target token into the first to-be-authorized authorization certificate information, and sends the The user certificate center server sends the first to-be-authorized authorization certificate information;

[0009] when the user certificate center server determines that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates an authentication result and sends it to the insurance company server, where the authentication result is used to indicate Has passed authentication of the first to-be-authenticated authorization certificate information;

[0010] The insurance company server generates a claim result according to the claim information.

[0011] A blockchain-based claims processing system, the system includes a user certificate center server and an insurance company server, wherein:

[0012] The user certificate center server is configured to: generate a target token according to the target authorization certificate information sent by the user terminal, and send the target token to the user terminal;

[0013] The insurance company server is configured to: when receiving the claim information and the target token sent by the user terminal, convert the target token into the first to-be-authorized authorization certificate information, and send the The user certificate center server sends the first to-be-authenticated authorization certificate information;

[0014] The user certificate center server is further configured to: when determining that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, generate an authentication result and send it to the insurance company server, where The authentication result is used to indicate that authentication of the first to-be-authorized authorization certificate information has been passed;

[0015] The insurance company server is further configured to: generate a claim result according to the claim information.

[0016] An electronic device, the electronic device includes:

[0017] a processor;

[0018] a memory having computer-readable instructions stored thereon;

[0019] Wherein, when the processor executes the computer-readable instructions, the processor is configured to execute a method for processing a claims event based on a blockchain, the method includes:

[0020] the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal; [0021] the user certificate center server sends the target token to the user terminal; [0022] when the insurance company server receives the claim information and the target token sent by the user terminal, the insurance company server converts the target token into the first to-be-authorized authorization certificate information, and sends the The user certificate center server sends the first to-be-authorized authorization certificate information;

[0023] When the user certificate center server determines that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates an authentication result and sends it to the insurance company server, where the authentication result is used to indicate Has passed authentication of the first to-be-authenticated authorization certificate information;

[0024] The insurance company server generates a claim result according to the claim information.

[0025] A computer-readable storage medium having stored thereon a computer program that, when executed by a processor, causes the processor to be configured to execute a method for processing a claims event based on a blockchain, so The methods include:

[0026] the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal; [0027] the user certificate center server sends the target token to the user terminal;

[0028] when the insurance company server receives the claim information and the target token sent by the user terminal, the insurance company server converts the target token into the first to-be-authorized authorization certificate information, and sends the The user certificate center server sends the first to-be-authorized authorization certificate information;

[0029] when the user certificate center server determines that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates an authentication result and sends it to the insurance company server, where the authentication result is used to indicate Has passed authentication of the first to-be-authenticated authorization certificate information;

[0030] The insurance company server generates a claim result according to the claim information.

The beneficial effects of the invention

Beneficial effect

[0031] The technical solutions provided by the embodiments of the present application may include the following beneficial effects:

[0032] The blockchain claims method provided in this application. Under this method, the user certificate center server can complete the certificate authentication process that each insurance company has, eliminating the need for each insurance company server to authenticate the same user separately. A step of. In addition, the insurance company server can convert the tokens distributed by the user certificate center server uploaded by the user into the corresponding authorization certificate information and send it to the user certificate center server, so that the user certificate center can authenticate the authenticity of the authorization certificate and simplifies the insurance company server. The steps of authenticating the authenticity of each user's authorization certificate simplifies the insurance company's claims process. [0033] It should be understood that the above general description and the following detailed description are merely exemplary, and should not limit the present application.

Brief description of the drawings

BRIEF DESCRIPTION OF THE DRAWINGS

[0034] The drawings herein are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application, and are used together with the description to explain the principles of the present application.

[0035] FIG. 1 is a schematic diagram of a network scenario in which a method for processing a claims event based on a blockchain is applicable according to an exemplary embodiment;

[0036] FIG. 2 is a flowchart illustrating a method for processing a claims event based on a blockchain according to an exemplary embodiment;

[0037] FIG. 3 is a flowchart illustrating a method for processing a claims event based on a blockchain according to another exemplary embodiment;

[0038] FIG. 4 is a flowchart illustrating a method for processing a claims event based on a blockchain according to another exemplary embodiment;

[0039] FIG. 5 is a schematic structural diagram of a claims processing system based on a blockchain according to an exemplary embodiment.

Invention Examples

Embodiments of the invention

[0040] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with this application. Rather, they are merely examples of devices and methods consistent with some aspects of the application as detailed in the appended claims.

[0041] FIG. 1 is a schematic diagram illustrating a network scenario to which a method for processing a claims event based on a blockchain is applicable according to an exemplary embodiment. In the network scenario shown in FIG. 1, a user certificate center server, an insurance company server, and a user terminal may be included. The user certificate center server may be a user certificate center local server or a cloud server, and an insurance company server may be an insurance company. The local server can also be a cloud server, and the user terminal can be a smart phone, a tablet computer, a notebook computer, or a computer. Electronic devices such as a personal computer and a telephone watch, which are not limited in the embodiments of the present application. In the network scenario shown in FIG. 1, the number of user certificate center servers may be one, the number of insurance company servers may be one or more, and one insurance company server may correspond to one or more user terminals. Among them, the user certificate center The server can communicate with all insurance company servers, and at the same time, the user certificate center server can also communicate with all user terminals. The insurance company server can communicate with the user terminal while communicating with the user certificate center server. The number of user terminals for communication connection of the insurance company server is not limited; communication between servers of each insurance company may or may not be performed, which is not limited in this embodiment of the present application; it may not be performed between user terminals. Communication connection.

[0042] Optionally, both the user certificate center server and the insurance company server may be blockchain nodes, and the user certificate center server and the insurance company server may be in the same blockchain network. The implementation mechanism of the blockchain itself is According to this, the information stored on any one of the user certificate center server and the insurance company server will be encrypted and backed up on all blockchain nodes except the blockchain node in the blockchain, thereby ensuring the stored Information security. In addition, encrypted backup of information can prevent the stored information from being tampered with.

[0043] In the network scenario shown in FIG. 1, when the user is insured by an insurance company, the user may send the user's authorization certificate information to the user certificate center server through the user terminal, and the user certificate center server may according to the received user's authorization certificate information Generate a token; when a user needs to initiate a claim to an insurance company that is pre-insured, he can send a claim information and token to the server of the insurance company through the user terminal, and the insurance company server converts the token to obtain the information of the certificate to be authenticated, And sending the information of the certificate to be authenticated and authorized to the user certificate center server; the user certificate center server authenticates the information of the certificate to be authenticated and authorized, and when it is determined that the information of the certificate to be authenticated and authorized matches the information of the authorization certificate stored in the user certificate center server, The user certificate center server sends the authentication result to the insurance company server; after receiving the authentication result sent by the user certificate center server, the insurance company server generates a claim result according to the claim information, so as to provide the user with a claim based on the claim If such indemnities.

[0044] Among them, in the network scenario shown in FIG. 1, only one user certificate center server may be set to implement operations such as management of storage and / or authentication of authorized license information of all insurance company users, which simplifies the work of the insurance company server Content, thereby improving the efficiency of insurance companies in handling claims. [0045] FIG. 2 is a flowchart illustrating a method for processing a claims event based on a blockchain according to an exemplary embodiment. As shown in Figure 2, this method includes the following steps.

[0046] Step 201: The user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal.

[0047] The number of user certificate center servers may be only one. In the embodiment of the present application, the user certificate authentication process that each insurance company server needs to perform can be refined and delivered to the user certificate center server for implementation, thereby eliminating the need for each insurance company. The server performs the operation of user certificate authentication, which simplifies the work of the insurance company server.

[0048] The target authorization certificate information may be determined according to the type of insurance that the user has insured in an insurance company, and the type of insurance may be car insurance, home property insurance, or health insurance, and this is not limited in the embodiments of the present application.

[0049] In a specific implementation, if the type of insurance the user is insuring is car insurance, the target authorization certificate information may be the user ’s vehicle driving license, etc .; if the user is insuring the type of home insurance, the target authorization certificate information may be the user Real estate certificate or rental contract, etc .; if the user's insurance type is health insurance, the target authorization certificate information can be the user's medical report, etc .; the target authorization certificate information uploaded according to different types of insurance is also different, which can ensure that the user is insured. The information is more accurate, and you can avoid claims errors in the subsequent claims process.

[0050] The target token can be obtained by encrypting the target authorization certificate information through the user certificate center server. The target token does not include the plain text information of the target authorization certificate information. When the target token is obtained illegally, the target authorization certificate lighting is not included. The target token of the text information can ensure that the target authorization certificate information of the user is not read, and the security of the target authorization certificate information of the user is improved.

[0051] Step 202: The user certificate center server sends a target token to the user terminal.

[0052] The user credential center server may directly communicate with the user terminal, so the user credential center server may send the generated target token to the user terminal, so that the user terminal saves the target token to the local storage of the user terminal. .

[0053] Step 203: When the insurance company server receives the claim information and the target token sent by the user terminal, the insurance company server converts the target token into the first to-be-authorized authorization certificate information, and sends the first to the user certificate center server. Information about the certificate to be authenticated and authorized.

[0054] Claim information may be user-provided data (such as health reports, on-site photos, etc.) provided by the user. The format of the claim information may be an image, an audio, a video, or a text file, which is not limited in this embodiment of the present application.

[0055] In specific implementation, after receiving the target token, the insurance company may convert the target token into the information of the certificate to be authenticated and send it to the user certificate center server. If the user certificate center server finds a pre-stored The authorized license information that needs to be matched with the authorized license information can be regarded as the user insured according to the authorized license information in advance in the insurance company, so the insurance company needs to make a claim based on the claim information uploaded by the user.

[0056] As an optional implementation manner, the manner in which the insurance company server converts the target token into the first to-be-authorized authorization certificate information may include the following steps:

[0057] The insurance company server obtains a pre-stored secret key for the acquired target token;

[0058] The insurance company server uses the key to decrypt the target token to generate decryption information;

[0059] The insurance company server converts the decrypted information into the first to-be-authorized certificate information.

[0060] Wherein, in the implementation of this implementation manner, the insurance company server prestores a key corresponding to an encryption algorithm that encrypts the target authorization certificate information, so that the target token can be successfully decrypted, thereby improving the user's target authorization certificate information Security.

[0061] Step 204. When the user certificate center server determines that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates an authentication result and sends it to the insurance company server. The authentication result is used to indicate that the first to-be-authenticated certificate has been passed. Authentication of authorized license information.

[0062] Optionally, when the user certificate center server does not find the target authorization certificate information that matches the first to-be-authorized authorization certificate information, it may send abnormal information to the insurance company server, and the abnormal information may be used to describe the first standby The authentication and authorization certificate information does not match all the authorization certificate information stored in the user certificate center server, so that the insurance company server can provide abnormal feedback to the user terminal according to the abnormal information

[0063] Step 205: The insurance company server generates a claim result according to the claim information.

[0064] In a specific implementation, the insurance company server may first analyze the claim information in conjunction with the insurance agreement that the user has pre-insured to obtain the result of liability determination, and the insurance company server may generate a claim result for the user based on the result of the liability determination.

[0065] The claim result may include a claim result analysis report and a compensation measure for the claim event submitted by the user this time. The claim result analysis report may include the details of the insurance company server ’s processing of this claim event and the conclusion of this claim event, and the compensation measures may include the measures for this claim event and the compensation amount for this claim event. .

[0066] FIG. 3 is a flowchart of a method for processing a claims event based on a blockchain according to another exemplary embodiment. As shown in Figure 3, this method includes the following steps.

[0067] Step 301: The user certificate center server receives the ID number information sent by the user terminal; wherein, the user certificate center server is a blockchain node.

[0068] The embodiments of the present application may be implemented based on a blockchain. The servers in the blockchain network may all be blockchain nodes. Based on the mechanism of the blockchain itself, the information stored on any blockchain node will be Back up on all blockchain nodes in this blockchain network to protect the accuracy of all information stored in this blockchain network.

[0069] In a specific implementation, the user certificate center server is a blockchain node, so any information stored in the user certificate center server will be backed up in each blockchain node in the blockchain network.

[0070] Step 302: The user certificate center server authenticates the authenticity of the ID number information.

[0071] The user certificate center server can authenticate the authenticity of the ID number information through its own user ID number database, or it can verify the authenticity of the ID number information by introducing a third-party ID number verification platform. Therefore, the embodiments of the present application are not limited.

[0072] Step 303: When the authentication of the ID number information is passed, the user certificate center server receives and stores the ID photo corresponding to the ID number information sent by the user terminal.

[0073] In a specific implementation, because the user certificate center server is a blockchain node, the ID photo stored in the user certificate center server is also performed in each blockchain node in the blockchain network. Backup, for example, each insurance company server in this blockchain network will back up the ID photo.

[0074] In the embodiment of the present application, the foregoing steps 301 to 303 are implemented. The user certificate center server may determine the identity information of the user by verifying the authenticity of the ID number information, and only when the ID information of the user passes the verification. Only the user ID center server stores the ID photo corresponding to the user's ID number information, thereby ensuring the accuracy of the ID photo stored by the user ID center server.

[0075] Step 304, the authenticity of the target authorization certificate information sent by the user certificate center server to the user terminal For certification.

[0076] Step 305: When the authentication of the target authorization certificate information passes, the user certificate center server digitally signs the target authorization certificate information to obtain a target token, and associates and saves the ID photo, the target authorization certificate information, and the target token.

[0077] A digital signature can be implemented using technology in the field of public key encryption, which is used to encrypt the target authorization certificate information to generate an encrypted target token. The digital signature may have a corresponding secret key, which is used to make The insurance company server decrypts the target token uploaded by the user.

[0078] In the embodiment of the present application, steps 304 to 305 described above can be implemented to verify the authenticity of the target authorization certificate information sent by the user, and digitally encrypt the target authorization certificate information that has passed the verification to obtain the target order. This guarantees the security of the target authorization certificate information.

[0079] Step 306: The user certificate center server sends a target token to the user terminal.

[0080] Step 307: When the insurance company server receives the claim information and the target token sent by the user terminal, the insurance company server converts the target token into the first to-be-authorized authorization certificate information, and sends the first to the user certificate center server. Information about the certificate to be authenticated and authorized; where the insurance company server is a blockchain node.

[0081] Step 308: When the user certificate center server determines that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates an authentication result and sends it to the insurance company server. The authentication result is used to indicate that the first to-be-authenticated certificate has been passed. Authentication of authorized license information.

[0082] Step 309: The authentication company server obtains claim information, and the authentication company server is a blockchain node.

[0083] The appraisal company can be a professional appraisal company for insurance claims, because the appraisal company server and the insurance company server are both blockchain nodes in the blockchain network, so when the claim information is uploaded to the insurance company server, The appraisal company server also backs up the claim information. Therefore, the appraisal company server can directly obtain the claim information from the internal memory of the appraisal company server.

[0084] Step 310: The appraisal company server verifies the authenticity of the claim information and determines the liability of the claim event indicated by the claim information, obtains the result of the verification, and sends the result to the server of the insurance company.

[0085] The authentication company server may first determine the authenticity of the claims information. If there is a problem with the authenticity of the claims information, it may send false reminder information to the insurance company server so that the insurance company can process the user according to the false reminder information. ; If there is no problem with the authenticity of the claim information, The company server can determine the liability for the claims event indicated by the claims information, and send the obtained recognition results to the insurance company server, so that the insurance company server can generate claims results based on the determined results.

[0086] In the embodiment of the present application, steps 309 to 310 described above can be implemented, and the responsibility of claim settlement information can be determined by the appraisal company server to ensure the accuracy of the result of the accident liability determination.

[0087] Step 311: The insurance company server generates a claim result according to the determination result and claim information.

[0088] In the embodiment of the present application, by implementing step 311 described above, a claim result may be generated according to the liability determination result obtained by the appraisal company server for the accident, so that the claim result generated by the insurance company server is more credible.

[0089] FIG. 4 is a flowchart illustrating a method for processing a claims event based on a blockchain according to another exemplary embodiment. As shown in Figure 4, this method includes the following steps.

[0090] Step 401: The user certificate center server stores the user's insurance agreement and the protocol number corresponding to the insurance agreement in association; wherein the user certificate center server is a blockchain node.

[0091] The insurance agreement is a certification document for the user to insure at the insurance company, so the user certificate center server needs to store the insurance agreement in the blockchain network to ensure the accuracy of the insurance agreement; In addition, the insurance agreement can correspond to a unique The agreement server of the user certificate center may store the insurance agreement and the agreement number corresponding to the insurance agreement to ensure the accuracy of the relationship between the insurance agreement and the agreement number.

[0092] Step 402: The user certificate center server sends a protocol number to the user terminal.

[0093] In the embodiment of the present application, the implementation of steps 401 to 402 described above can save the user's insurance agreement and agreement number, and send the agreement number to the user terminal, so that the subsequent user certificate center server can quickly Find the insurance agreement corresponding to the agreement number.

[0094] Step 403: The user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal.

[0095] Step 404: The user certificate center server sends a target token to the user terminal.

[0096] As an optional implementation manner, after step 404 is performed, the following steps may be performed:

[0097] When the insurance company server receives the target token, the current claim information, and the current agreement number sent by the user terminal, the insurance company server converts the target token into the second to-be-authorized authorization certificate information, and sends the The user certificate center server sends the second to-be-authorized authorization certificate information;

[0098] When the user certificate center server determines that the second to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates a current authentication result and sends it to the insurance company server. The current authentication result is used to indicate that the second to-be-authenticated authorization Certification of license information;

[0099] The insurance company server obtains the current insurance agreement corresponding to the current agreement number, and generates a current claims result according to the current claim information and the current insurance agreement;

[0100] The insurance company server sends the recovery information generated based on the current claims result to the insurance company server corresponding to the current insurance agreement.

[0101] In this implementation manner, the insurance company server may receive the target token, the current claim information, and the current agreement number sent by users of other insurance companies. Because the insurance company server may be a blockchain node, the insurance company The server can back up the information saved on the other insurance company's server. The insurance company's server can make claims for the user in advance according to the information of the other insurance company's users, and then send the recovery information generated based on the claim information to the insurance company server where the user is insured. This improves the speed of processing claims.

[0102] Step 405: When the insurance company server receives the claim information, the target token, the first agreement number corresponding to the first user, and the second agreement number corresponding to the second user, the insurance company server sends The target token is converted into the first to-be-authorized certificate information, where the first user is a user of the insurance company server, the second user is not a user of the insurance company server, and the insurance company server is a blockchain node.

[0103] The first user may be an insured user of the insurance company, and the second user may not be an insured user of the insurance company. When the first user and the second claim event for the application are the same, the first user may report to The insurance company server insured by the first user submits the first agreement number of the first user and the second agreement number corresponding to the second user, and the insurance company can settle claims for the first user and the second user at the same time; The second user is not an insured user of the insurance company. Therefore, after the insurance company makes a claim for the second user, it generates recovery information based on the compensation information for the second user, and sends the recovery information to the insurance company insured by the second user. To enable the insurance company insured by the second user to repay the amount corresponding to the recovery information to the insurance company, thereby simplifying the process of claiming different users for the same claim event, and also simplifying the process of handling the claim event by the insurance company. [0104] Step 406: The insurance company server sends the first certificate to be authenticated and authorized information to the user certificate center server.

[0105] Step 407: When the user certificate center server determines that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates an authentication result and sends it to the insurance company server. The authentication result is used to indicate that the first to-be-authenticated certificate has been passed. Authentication of authorized license information.

[0106] Step 408: The insurance company server obtains a first insurance agreement corresponding to the first agreement number and a second insurance agreement corresponding to the second agreement number.

[0107] Because each insurance company server is a blockchain node in the blockchain network, when the second protocol number is uploaded to the second insurance company server, the first insurance company server also The protocol number is backed up. Therefore, the server of the first insurance company can directly obtain the second protocol number from the internal memory of the server of the first insurance company.

[0108] Step 409: The insurance company server generates a first claim result according to the claim information and the first insurance agreement, and generates a second claim result according to the claim information and the second insurance agreement.

[0109] The contents of insurance agreements of different insurance companies are different. Therefore, the server of the insurance company needs to generate a first claim result according to the claim information and the first insurance agreement, and generate a second claim result according to the claim information and the second insurance agreement. Guarantee the accuracy of claims results.

[0110] Step 410: The insurance company server sends the recovery information generated according to the second claim result to the insurance company server corresponding to the second insurance agreement.

[0111] In the embodiment of the present application, the foregoing steps 405 to 410 are implemented, and a user terminal may send the protocol numbers of multiple users to the same insurance company server, and the multiple users may not be insured by the insurance company; An insurance company can obtain all insurance agreements corresponding to the agreement number, so as to settle claims for each user, and send recovery information to the insurance company corresponding to each user who is not insured by this insurance company, thereby reducing each user to a different The process of claim settlement by the insurance companies further reduces the operation of each insurance company to perform claims, and improves the work efficiency of insurance companies.

[0112] The following is a system embodiment of the present application.

[0113] FIG. 5 is a schematic structural diagram of a blockchain-based claims processing system disclosed in an embodiment of the present application. As shown in FIG. 5, the system may include a user certificate center server 501 and an insurance company server 502. [0114] The user certificate center server 501 is configured to: generate a target token according to the target authorization certificate information sent by the user terminal, and send the target token to the user terminal; wherein the user certificate center server 501 is a blockchain node.

[0115] The insurance company server 502 is configured to: when receiving the claim information and the target token sent by the user terminal, convert the target token into the first to-be-authorized authorization certificate information, and send the first to the user certificate center server 501 Information of the certificate to be authenticated and authorized; wherein the insurance company server 502 is a blockchain node.

[0116] As an optional implementation manner, the manner in which the insurance company server 502 converts the target token into the first to-be-authorized authorization certificate information may be:

[0117] The insurance company server 502 obtains a pre-stored secret key for the acquired target token;

[0118] The insurance company server 502 uses the key to decrypt the target token to generate decryption information;

[0119] The insurance company server 502 converts the decrypted information into the first to-be-authorized certificate information.

[0120] In this implementation manner, the insurance company server 502 pre-stores a key corresponding to an encryption algorithm that encrypts the target authorization certificate information, so that the target token can be successfully decrypted, thereby improving the target authorization certificate of the user. Information security.

[0121] The user certificate center server 501 is further configured to: when determining that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, generate an authentication result and send it to the insurance company server 502, where the authentication result is used to indicate that the The first to be authenticated is authentication of the license information.

[0122] The insurance company server 502 is further configured to: generate a claim result according to the claim information.

[0123] In an exemplary embodiment, the user certificate center server 501 is a blockchain node, and the insurance company server 502 is a blockchain node.

[0124] In an exemplary embodiment, the user credential center server 501 is configured to, before generating the target token according to the target authorization certificate information sent by the user terminal:

[0125] receiving the identification number information sent by the user terminal;

[0126] authenticating the authenticity of the ID number information;

[0127] when the authentication of the ID number information is passed, receiving and storing an ID photo corresponding to the ID number information sent by the user terminal;

[0128] The generating a target token according to the target authorization certificate information sent by the user terminal includes:

[0129] authenticating the authenticity of the target authorization certificate information sent by the user terminal; [0130] when the authentication of the target authorization certificate information is passed, digitally signing the target authorization certificate information, obtaining the target token, and associating and storing the identity photo, the target authorization certificate information, and the The target token is described.

[0131] In an exemplary embodiment, as shown in FIG. 5, the system may further include an authentication company server 503, where the authentication company server 503 is a blockchain node, and is configured to run at the insurance company. Before the server 50 2 generates a claim result according to the claim information:

[0132] acquiring the claim information;

[0133] authenticating the claim information and determining the liability of a claim event indicated by the claim information, obtaining the result of the determination and sending it to the insurance company server 502;

[0134] Wherein, the insurance company server 502 is configured to implement the generating of a claim result according to the claim information by performing the following processing:

[0135] generating the claim result according to the determination result and the claim information.

[0136] In an exemplary embodiment, the user certificate center server 501 is configured to generate a target token according to the target authorization certificate information sent by the user terminal:

[0137] associating and storing an insurance agreement of a user and an agreement number corresponding to the insurance agreement;

[0138] sending the protocol number to the user terminal.

[0139] The present application further provides an electronic device, which includes:

[0140] a processor;

[0141] A memory stores computer-readable instructions, and when the computer-readable instructions are executed by a processor, a method for processing a claims event based on a blockchain as shown above is implemented.

[0142] In an exemplary embodiment, the present application further provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the blockchain-based How to handle claims.

[0143] It should be understood that the present application is not limited to the precise structure that has been described above and shown in the drawings, and various modifications and changes may be performed without departing from the scope thereof. The scope of the application is limited only by the accompanying claims.

Claims

Claim

[Claim 1] A method for processing a claims event based on a blockchain, characterized in that the method includes

The user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal;

The user certificate center server sends the target token to the user terminal; when the insurance company server receives the claim information and the target token sent by the user terminal, the insurance company server sends the target order The card is converted into the first to-be-authenticated authorization certificate information, and sends the first to-be-authenticated authorization certificate information to the user certificate center server;

When the user certificate center server determines that the first to-be-authenticated authorization certificate information matches the target authorization certificate information, it generates an authentication result and sends it to the insurance company server, where the authentication result is used to indicate that the authentication has passed. Authentication of the first to-be-authenticated authorization certificate information;

The insurance company server generates a claim result according to the claim information.

[Claim 2] The method according to claim 1, wherein the user certificate center server is a blockchain node, and the insurance company server is a blockchain node.

[Claim 3] The method according to claim 1 or 2, wherein before the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal, the method further includes:

The user certificate center server receives the ID number information sent by the user terminal; the user certificate center server authenticates the authenticity of the ID number information; when the authentication of the ID number information passes, Receiving, by the user certificate center server, the ID photo corresponding to the ID number information sent by the user terminal and storing the ID card information; and generating the target token based on the target authorization certificate information sent by the user terminal includes:

The user certificate center server authenticates the authenticity of the target authorization certificate information sent by the user terminal; When the authentication of the target authorization certificate information passes, the user certificate center server digitally signs the target authorization certificate information, obtains the target token, and saves the identity card photo and the target authorization certificate in association with each other. Information and the target token.

[Claim 4] The method according to claim 2, wherein before the insurance company server generates a claim result according to the claim information, the method further includes:

The appraisal company server obtains the claim information, and the appraisal company server is a blockchain node;

The appraisal company server performs authenticity determination on the claim information and liability determination of a claim event indicated by the claim information, obtains the determination result, and sends the result to the insurance company server;

The generating, by the insurance company server, a claim result according to the claim information includes: generating, by the insurance company server, the claim result according to the determination result and the claim information.

[Claim 5] The method according to claim 2, wherein before the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal, the method further includes:

The user certificate center server stores an insurance agreement of a user and an agreement number corresponding to the insurance agreement;

The user certificate center server sends the protocol number to the user terminal.

[Claim 6] A system for processing claims based on a blockchain, characterized in that the system includes a user certificate center server and an insurance company server, wherein the user certificate center server is configured to: according to a user terminal The sent target authorization certificate information generates a target token, and sends the target token to the user terminal; the insurance company server is configured to: when receiving the claim information and the target token sent by the user terminal When the target token is converted into the first to-be-authenticated authorization certificate information, and the first to-be-authenticated authorization certificate information is sent to the user certificate center server, the user certificate center server is further configured to: The first authorization certificate to be certified When the photo information matches the target authorization certificate information, generating an authentication result and sending it to the insurance company server, where the authentication result is used to indicate that authentication of the first to-be-authorized authorization certificate information has been passed;

The insurance company server is further configured to: generate a claim result according to the claim information.

[Claim 7] The system for processing claims based on a blockchain according to claim 6, wherein the user certificate center server is a blockchain node, and the insurance company server is a block Chain node.

[Claim 8] The processing system according to claim 6 or 7, wherein the user certificate center server is configured to generate a target token based on the target authorization certificate information sent by the user terminal:

Receiving the identification number information sent by the user terminal;

Verifying the authenticity of the ID number information;

When the authentication of the ID number information is passed, receiving and storing the ID photo corresponding to the ID number information sent by the user terminal;

The generating a target token according to the target authorization certificate information sent by the user terminal includes: authenticating the authenticity of the target authorization certificate information sent by the user terminal; and when the authentication of the target authorization certificate information passes, verifying The target authorization certificate information is digitally signed to obtain the target token, and the ID photo, the target authorization certificate information, and the target token are stored in association with each other.

[Claim 9] The processing system according to claim 7, wherein the system further comprises an authentication company server, the authentication company server is a blockchain node, and is configured to be located on the insurance company server Before generating a claim result according to the claim information:

Obtaining the claim information;

Perform authenticity determination on the claim information and liability determination of a claim event indicated by the claim information, obtain the determination result, and send it to the insurance company server;

Wherein, the insurance company server is configured to implement generating the claim result according to the claim information by performing the following processing:

Generating the claim result according to the determination result and the claim information.

[Claim 10] The processing system according to claim 7, wherein the user certificate center server is configured to generate a target token according to the target authorization certificate information sent by the user terminal:

Store the insurance agreement of the user in association with the agreement number corresponding to the insurance agreement; and send the agreement number to the user terminal.

[Claim 11] An electronic device, wherein the electronic device includes:

Processor

A memory storing computer-readable instructions thereon;

Wherein, when the processor executes the computer-readable instructions, the processor is configured to execute a method for processing a claims event based on a blockchain, the method includes: the user certificate center server according to the target authorization certificate information sent by the user terminal Generate target tokens;

[Claim 12] The electronic device according to claim 11, wherein the user certificate center server is a blockchain node, and the insurance company server is a blockchain node.

[Claim 13] The electronic device according to claim 11 or 12, wherein before the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal, the method further includes:

Receiving, by the user certificate center server, the ID number information sent by the user terminal; The user certificate center server authenticates the authenticity of the ID number information; when the authentication of the ID number information passes, the user certificate center server receives the ID number sent by the user terminal The ID card corresponding to the information is stored and stored. The user certificate center server generating a target token according to the target authorization certificate information sent by the user terminal includes:

The user certificate center server authenticates the authenticity of the target authorization certificate information sent by the user terminal; when the authentication of the target authorization certificate information passes, the user certificate center server verifies the target authorization certificate information Digitally sign, obtain the target token, and store the ID photo, the target authorization certificate information, and the target token in association.

[Claim 14] The electronic device according to claim 12, before the insurance company server generates a claim result according to the claim information, further comprising: an appraisal company server obtains the claim information, and the appraisal company The server is a blockchain node;

[Claim 15] The electronic device according to claim 12, wherein before the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal, the method further includes:

[Claim 16] A computer-readable storage medium having stored thereon a computer program, wherein when the computer program is executed by a processor, the processor is configured to execute a computer-based program. A method for processing a claims event of a blockchain, the method includes:

[Claim 17] The computer-readable storage medium according to claim 16, wherein the user certificate center server is a blockchain node, and the insurance company server is a blockchain node.

[Claim 18] The computer-readable storage medium according to claim 16 or 17, wherein before the user certificate center server generates a target token according to the target authorization certificate information sent by the user terminal, further comprising:

The user certificate center server authenticates the authenticity of the target authorization certificate information sent by the user terminal; when the authentication of the target authorization certificate information passes, the user certificate center server The target authorization certificate information is digitally signed to obtain the target token, and the ID photo, the target authorization certificate information, and the target token are stored in association with each other.

[Claim 19] The computer-readable storage medium according to claim 17, wherein before the insurance company server generates a claim result according to the claim information, the method further comprises: an appraisal company server obtaining the claim information, and The authentication server is described as a blockchain node;

[Claim 20] The computer-readable storage medium according to claim 17, wherein before the user certificate center server generates the target token according to the target authorization certificate information sent by the user terminal, further comprising: