CN107945027A - The processing method and system of Claims Resolution event based on block chain - Google Patents
The processing method and system of Claims Resolution event based on block chain Download PDFInfo
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- CN107945027A CN107945027A CN201711122847.7A CN201711122847A CN107945027A CN 107945027 A CN107945027 A CN 107945027A CN 201711122847 A CN201711122847 A CN 201711122847A CN 107945027 A CN107945027 A CN 107945027A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
An embodiment of the present invention provides a kind of processing method and system of the Claims Resolution event based on block chain, method includes：In response to the generation for event of settling a claim, Claims Resolution event decision request is generated, and the Claims Resolution event decision request is written in block chain；From block chain, Claims Resolution event decision request is obtained, is judged according to judging that proposition generates as a result, and being written in block chain；Obtain and judged as a result, and according to the Claims Resolution processing judged between result execution policy-holder's account and insurer account from block chain.The embodiment of the present invention passes through in the processing procedure of Claims Resolution event, OM mechanism is introduced to handle the judgement proposition of Claims Resolution event, generation can be as the judgement result for performing the Claims Resolution processing between policy-holder's account and insurer account, so that block chain network system is not only to record insurance data content, but Claims Resolution event can be automatically processed, being development of the insurance business on block chain provides technical foundation.
Description
Technical field
The present embodiments relate to a kind of processing method and system of the Claims Resolution event based on block chain, belong to computer skill
Art field.
Background technology
In traditional insurance industry, insurance company carries as the insurer for providing insurance service and utilizes rule of insuring
Mould, the time of policy purchase absorb risk, intermediary's identity of consumer's risk.For larger insurance of insuring, insurance company undertakes
Risk be also very big, under the Db Management Model of traditional centralization, insurance company is responsible for the management of insurance data,
In this mode, insurance company is difficult to be distributed insurance coverage on a large scale, therefore, also can not be by insurance risk point
Dissipate and undertaken to its other party.
The appearance of block chain allows everybody to see the possibility that a kind of extensive risk for insurance industry is distributed,
Declaration form can carry out two time selling by insurance company by block chain, attract more risk underwriter, social funds to support this
Insurance.
But traditional block chain is excessively closed, the account book of record objective fact is used only to, for the whole ring of insurance
Section, in particular for the confirmation link of Claims Resolution event, is checked and is confirmed without effective mechanism, therefore, it is impossible to very well
With insure connected applications.
The content of the invention
The embodiment of the present invention provides a kind of processing method and system of the Claims Resolution event based on block chain, so as to be insurance
Development of the business in block chain network, there is provided the support in terms of Claims Resolution processing.
To reach above-mentioned purpose, the embodiment of the present invention adopts the following technical scheme that：
First aspect, there is provided a kind of processing method of the Claims Resolution event based on block chain, including：
The reason is directed in response to the Claims Resolution processing node generation of one or more of the generation for event of settling a claim, block chain network
The Claims Resolution event decision request of compensation event, and the Claims Resolution event decision request is written in block chain, the Claims Resolution event is sentenced
Fixed request includes judging proposition and OM addresses corresponding with the judgement proposition for Claims Resolution event；
One or more of OM service nodes obtain the Claims Resolution event decision request, and root from the block chain
According to the judgement proposition in the Claims Resolution event decision request, generation is judged as a result, and being written in block chain and the OM addresses
In corresponding storage region；
One or more of Claims Resolution processing nodes obtain the judgement knot according to the OM addresses from the block chain
Fruit, and according to the Claims Resolution processing judged between result execution policy-holder's account and the insurer account.
Second aspect, there is provided a kind of processing system of the Claims Resolution event based on block chain, including it is arranged at block link network
One or more of network Claims Resolution processing node and OM service nodes：
Claims Resolution processing node, for the generation in response to event of settling a claim, generation is sentenced for the Claims Resolution event of the Claims Resolution event
Fixed request, and the Claims Resolution event decision request is written in block chain, the Claims Resolution event decision request is included for Claims Resolution
Event judges proposition and OM addresses corresponding with the judgement proposition；And according to the OM addresses, from the block chain
The judgement is obtained as a result, and according to the loss department judged between result execution policy-holder's account and the insurer account
Reason；
OM service nodes, for from the block chain, obtaining the Claims Resolution event decision request, and according to the Claims Resolution
Judgement proposition in event decision request, generation are judged as a result, and being written in block chain storage corresponding with the OM addresses
In region.
The processing method and system of the Claims Resolution event based on block chain of the embodiment of the present invention, by the place of Claims Resolution event
During reason, introduce OM mechanism to handle the judgement proposition of Claims Resolution event, generation can be used as perform policy-holder's account and
The judgement result of Claims Resolution processing between the insurer account so that block chain network system is not only to record insurance data
Content, but Claims Resolution event can be automatically processed, being development of the insurance business on block chain provides technical foundation.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And can be practiced according to the content of specification, and in order to allow above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by the embodiment of the present invention.
Brief description of the drawings
Fig. 1 is one of structure diagram of block chain network system applied to insurance business of the embodiment of the present invention；
Fig. 2 is one of flow diagram of processing method of Claims Resolution event of block chain of the embodiment of the present invention；
Fig. 3 is one of structure diagram of processing system of Claims Resolution event of block chain of the embodiment of the present invention；
Fig. 4 is the second structural representation of the block chain network system applied to insurance business of the embodiment of the present invention；
Fig. 5 is the two of the flow diagram of the processing method of the Claims Resolution event based on block chain of the embodiment of the present invention；
Fig. 6 is the second structural representation of the processing system of the Claims Resolution event of the block chain of the embodiment of the present invention.
Embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
The technical principle of the embodiment of the present invention is, traditional insurance business is combined with block chain technology, utilizes area
The business datum of block chained record insurance business, and on this basis, the Claims Resolution link for insurance business, by introducing OM
(oracle machine, foretell machine) mechanism so that block chain more can flexibly and dynamically handle settlement of insurance claim event, from
And it has been development of the insurance business on block chain and has provided technical foundation.
Embodiment one
As shown in Figure 1, its structural representation for the block chain network system applied to insurance business of the embodiment of the present invention
One of figure, which can be exclusively for insurance business and the block chain network that builds, in such block chain network
In include at least one or more Claims Resolutions and handle nodes and OM service nodes, the block link network for being used for realization basis can also be included
The general block chain back end of network function (packing of block chain data and enter chain).Certainly, above-mentioned Claims Resolution processing node and
OM service nodes can also be on the basis of above-mentioned general block chain back end, and following loss departments is realized by adding
Reason node and OM service nodes function or program module and realize, and settle a claim processing node and OM service nodes can also
It is same block chain node, i.e., a block chain node is provided simultaneously with the function of these two aspects.The declaration form data of insurance business
It can be written in declaration form production in block chain, Claims Resolution processing node, OM service nodes and policy-holder's account and insurer
The client of account can get these data, for follow-up data processing.
Claims Resolution processing node is mainly used for when Claims Resolution event occurs, and in response to the generation for event of settling a claim, generation is directed to should
The request is simultaneously written in block chain by the Claims Resolution event decision request of Claims Resolution event, and generates judgement in OM service nodes
As a result after, obtain and judged as a result, and being performed according to judgement result between policy-holder's account and insurer account from block chain
Claims Resolution is handled.It can be included in Claims Resolution event decision request mentioned herein and judge proposition, which is usually and Claims Resolution
The proposition that event is associated, these judge that the answer of proposition can not be predicted in advance, it is necessary to could when Claims Resolution event occurs
Initiate to judge.
Claims Resolution event occur can meet it is default Claims Resolution trigger condition and trigger, for example, being fixed daily
Time point initiates event of once settling a claim, such as, the content of declaration form is the insurance if the maximum temperature on the same day is higher than a certain temperature
Side will pay the predetermined insurance indemnity of policy-holder, can be in daily (evening 12 finish time for such declaration form
Point) event of once settling a claim is initiated, the highest temperature on the same day is obtained by OM mechanism, then decides whether that execution is insured
Claims Resolution processing between square account and insurer account.The generation of Claims Resolution event can also be the active hair based on policy-holder's account
Rise and trigger, policy-holder uses its policy-holder's Account Logon block chain client, initiates Claims Resolution event, so that processing section of settling a claim
The point start to process Claims Resolution event.
OM service nodes are mainly used for obtaining Claims Resolution event decision request, and sentencing in Claims Resolution event decision request
Determine proposition, generation is judged as a result, and being written in block chain in storage region corresponding with OM addresses.Claims Resolution handles node root again
The judgement is got from block chain according to the OM addresses as a result, being then based on the judgement result carries out Claims Resolution processing.
Wherein, above-mentioned OM service sides can be the OM servers outside block chain network.OM servers can come from specially
The data publication center of industry or mechanism, for example, for the insurance business in terms of agricultural, if it is decided that in terms of proposition is weather
, then can be using the meteorological data server of the Meteorological Center of official as OM servers, OM service nodes are by accessing block
Meteorological data server outside chain network, obtains the judgement for the judgement proposition in terms of weather as a result, and tying the judgement
Fruit is as believable answer for follow-up data processing.For example, with the relevant insurance business of stock, if being related to stock city
The data of field, then can be relevant with stock certificate data to obtain using the stock certificate data server of stock market as OM servers
Judge result.
In addition, above-mentioned OM service sides can include multiple event observer accounts, these events observer account can be with
For specific people (providing the answer for proposition by event observer's Account Logon block chain client) or
OM outside some server or other intelligent objects or block chain network as previously mentioned in block chain network
Server.Realizing for OM mechanism can be by gathering the answers of multiple event observer accounts, multiple event observer accounts point
Indescribably for respective for the answer (referred to herein as middle answer) for judging proposition, then, OM service nodes are further according to default
Answer processing logic handles multiple middle answers, and generation judges result.The centre provided according to event observer account
Answer judges the concrete mode of result to generate, and can be solved, can also passed through using the common recognition mechanism in block chain network
Some simple data processing policies are completed.For example, ranking can be carried out to the quantity of answer, the most centre of quantity is chosen
Answer is as final judgement as a result, for another example middle answer (such as temperature, stock for can be adapted for numerical calculation class
Admission fee lattice) etc., can be by the way of average be calculated, before these data processings, can also be by calculating mean square deviation, deviateing
The modes such as degree, identify obvious bad middle answer and get rid of, and influence the accurate of final result to avoid these middle answers
Degree.
In embodiments of the present invention, more it is conceived to and mutually ties the correlative factor of answer processing logical AND event observer
Close, so as to preferably play effect and accuracy and validity of the event observer in block chain network structure system.Tool
Body, it can be combined in answer handles logic following several because usually carrying out answer generation processing.
1) geographical location information association corresponding with event observer's account
, can be with when judging that proposition is related to geographical location factor for the settlement of insurance claim event related with geographical location
The corresponding geographical location information of event observer's account is brought into answer processing logic.Such as agricultural insurance,
It is closer to be carried by the event observer in disaster area for disaster concrete condition when insurance business refers to agricultural disaster insurance
The answer of confession should be that credibility is higher.Therefore, the middle answer for judgement proposition provided in event observer account
When, its geographical location information can be provided at the same time, this geographical location information can be that event observer logs in its client
When determine out geographic location information.
Under such mechanism, when producing compensation event decision request, the geographical position with event correlation of settling a claim can also be included
Confidence ceases, that is, venue location of settling a claim manages positional information or for evaluating important geographical location information of the Claims Resolution event etc., is
Corresponding with event observer's account geographical location information is mutually distinguished, the geography that will be paid for event decision request herein and include
Positional information is known as the first geographical location information, and the corresponding geographical location information of event observer's account is known as the second geographical position
Confidence ceases.
Specifically, OM service nodes obtain the middle answer for judgement proposition that multiple event observer accounts provide,
And logic is handled according to default answer multiple middle answers are handled, generation judges that result may further include：
OM service nodes obtain the middle answer for being directed to judgement proposition and the event that multiple event observer accounts provide
Corresponding second geographical location information of observer's account；
The degree of association between multiple second geographical location information and the first geographical location information is calculated, then according to the degree of association
The weighted value for the middle answer that multiple event observer accounts provide is set, geographic location association degree is bigger, and weighted value is higher；
The middle answer provided according to multiple event observer accounts and its weighted value, generation judge result.
By above-mentioned processing procedure, reasonably geographical location factor can be attached in the generation for judging result, from
And the processing of settlement of insurance claim is caused to have relatively reliable judgment basis.
2) identity information association corresponding with event observer's account
Insurance business is to be related to the business of interests between insurer and policy-holder in itself, and in embodiments of the present invention,
Event observer should go to provide the middle answer for proposition is judged from a neutrality and objective angle.But, in area
In block chain network framework, the event observer of enormous amount may be set, the identity of these events observer may be with guarantor
There are certain relevance, these relevances to be likely to affect the accuracy of answer for dangerous event.For example, if event is observed
Member itself can also be some insurance policy-holder or insurer, or with policy-holder and insurance direction it is associated its
His identity.In order to tackle such case, the relation factor of this identity can be brought into answer generation logic.
Under such mechanism, when producing compensation event decision request, the event content information of Claims Resolution event can also be included,
When OM service nodes obtain the middle answer that multiple event observer accounts provide, the body of event observer's account is also obtained in the lump
Part information, prepares for follow-up answer processing.
Specifically, OM service nodes obtain the middle answer for judgement proposition that multiple event observer accounts provide,
And logic is handled according to default answer multiple middle answers are handled, generation judges that result may further include：
OM service nodes obtain the middle answer for being directed to judgement proposition and the event that multiple event observer accounts provide
The identity information of observer's account；
The degree of association between the identity information of multiple event observer accounts and event content information is calculated, then according to pass
Connection degree sets the weighted value for the middle answer that multiple event observer accounts provide, and Identity Association degree is bigger, and weighted value is lower, its
In, Identity Association degree here flexibly can be defined and set according to different insurance businesses；
The middle answer provided according to multiple event observer accounts and its weighted value, generation judge result.
By above-mentioned processing procedure, the identity factor of event observer can be reasonably attached to the life for judging result
Cheng Shang, so that the processing of settlement of insurance claim can have more objective and just judgment basis.
3) credit value association corresponding with event observer's account
For judgement proposition for any safe time, the credit value of event observer's account is most directly to evaluate mark
Standard, the credit value of event observer's account are higher, then the accuracy for the answer that event observer account provides is also higher.
Specifically, OM service nodes obtain the middle answer for judgement proposition that multiple event observer accounts provide,
And logic is handled according to default answer multiple middle answers are handled, generation judges that result includes：
OM service nodes obtain the middle answer for being directed to judgement proposition and the event that multiple event observer accounts provide
The credit value of observer's account；
The weighted value for the middle answer that multiple event observer accounts provide, the higher weight of credit value are set according to credit value
The lower height of value；
The weighted value for the middle answer that multiple event observer accounts provide is set according to the degree of association, institute's Identity Association degree is got over
Big weighted value is lower；
The middle answer provided according to multiple event observer accounts and its weighted value, generation judge results messages.
In addition, in above-mentioned mechanism, a feedback element can be set, for evaluating the prestige of event observer's account
Value, specifically, OM service nodes are compared the middle answer that final judgement result and each event observer account provide
Compared with, determine the accuracy for the middle answer that each event observer account provides, and according to each event sight of accuracy adjustment
The credit value of the person's of examining account.
By above-mentioned processing procedure, the credit value of event observer is attached in the generation for judging result, and pass through
As a result feedback mechanism adjusts the credit value of event observer's account so that among whole the generation structure of answer more it is accurate simultaneously
And can be towards benign development.
The processing method and system of the Claims Resolution event for the block chain introduced in the embodiment of the present invention, by Claims Resolution event
In processing procedure, OM mechanism is introduced to handle the judgement proposition of Claims Resolution event, generation can be used as and perform policy-holder's account and guarantor
The judgement result of Claims Resolution processing between danger side's account so that block chain network system is not only to record insurance data content,
But Claims Resolution event can be automatically processed, being development of the insurance business on block chain provides technical foundation.
, can there are multiple at the same time it should be noted that in the framework of the block chain network system of the embodiment of the present invention
OM service nodes and/or Claims Resolution handle node to perform above-mentioned processing procedure, and the handling result finally produced can pass through block
Either competition mechanism carrys out the final data or information for writing block chain and finally writing block chain to the common recognition mechanism of chain network itself
Using the persistence as final result.In addition, above-mentioned event observer's account can correspond to specially undertake the work
Personnel either server or intelligent object etc., for personnel, there is provided the mode of answer can be seen with the event
The person's of examining Account Logon client, inputs answer by way of human-computer interaction, and is supplied to block chain network.The present invention is implemented
For example, the correspondence that is mainly focused between event observer account and middle answer, and it is not intended to limit middle answer
Generating mode.
The block chain network system applied to insurance business introduced in the embodiment of the present invention, by setting OM service nodes
Node is handled with Claims Resolution, OM mechanism has been incorporated into block chain network system, and is handled applied to the Claims Resolution of insurance business,
By Claims Resolution handle involved in arrive in advance can not definitive result judgement proposition, by OM mechanism come produce judge as a result, then
The Claims Resolution for going to perform between policy-holder's account and insurer account based on the judgement result again is handled, and such mechanism compensate for passing
System block chain network system is merely able to the deficiency of record data so that insurance business can be flexible in block chain network system
Carry out.
Embodiment two
As shown in Fig. 2, its for the embodiment of the present invention block chain Claims Resolution event processing method flow diagram it
One, this method includes：
S101：In response to one or more of the generation for event of settling a claim, block chain network Claims Resolution processing node generation pin
Claims Resolution event decision request to the Claims Resolution event, and the Claims Resolution event decision request is written in block chain, event of settling a claim
Decision request includes judging proposition and OM addresses corresponding with the judgement proposition for Claims Resolution event.In this step, ring
It should can include in the generation of Claims Resolution event：Hair in response to the Claims Resolution event for meeting default Claims Resolution trigger condition and triggering
It is raw, or the generation for the Claims Resolution event initiated in response to policy-holder's account.
S102：One or more of block chain network OM service nodes obtain Claims Resolution event and judge to ask from block chain
Ask, and the judgement proposition in Claims Resolution event decision request, generation are judged as a result, and being written in block chain and OM addresses pair
In the storage region answered.
In this step, judgement proposition of the OM service nodes in Claims Resolution event decision request, generation judge result
Processing procedure can be specially：OM service nodes access the OM servers outside block chain network, obtain for judgement proposition
Judge result.
Alternatively implementation, OM service nodes can also obtain being directed to for multiple event observer accounts offers
Judge the middle answer of proposition, and logic is handled according to default answer multiple middle answers are handled, generation judges knot
Fruit.Generated based on the middle answer that multiple event observer accounts provide and judge that the answer of result handles logic, can combined
The relevant information of some events observer's account, so that final judgement result can be more accurate, specific content exists
Have been carried out describing in detail in embodiment one, details are not described herein.
S103：One or more Claims Resolution processing nodes are obtained from block chain and judged as a result, simultaneously basis is sentenced according to OM addresses
Determine the Claims Resolution that result is performed between policy-holder's account and insurer account to handle.
The Claims Resolution process of whole insurance business is completed by above-mentioned processing step, passes through OM mechanism and block chain network
The combination of system, solves the decision problem of Claims Resolution event, it is achieved thereby that carrying out the Claims Resolution processing of insurance business on block chain.
Embodiment three
As shown in figure 3, its for the embodiment of the present invention block chain Claims Resolution event processing system structure diagram it
One, which includes：One or more of block chain network Claims Resolution processing node 11 and OM service nodes 12 are arranged at,
Claims Resolution processing node 11, for the generation in response to event of settling a claim, Claims Resolution event of the generation for the Claims Resolution event
Decision request, and the Claims Resolution event decision request is written in block chain, Claims Resolution event decision request is included for Claims Resolution thing
Part judges proposition and OM addresses corresponding with the judgement proposition；And according to OM addresses, obtained from block chain and judge knot
Fruit, and according to the Claims Resolution processing judged between result execution policy-holder's account and insurer account.Wherein, in response to event of settling a claim
Include：Generation in response to the Claims Resolution event for meeting default Claims Resolution trigger condition and triggering, or in response to insuring
The generation for the Claims Resolution event that square account is initiated.
OM service nodes 12, judge to ask for from block chain, obtaining Claims Resolution event decision request, and according to Claims Resolution event
Judgement proposition in asking, generation are judged as a result, and being written in block chain in storage region corresponding with OM addresses.
Wherein, OM service nodes are judged as a result, can be specially according to judgement proposition generation：By accessing block chain network
Outside OM servers, obtain for judge proposition judgement result.In addition, OM service nodes judge according to judgement proposition generation
As a result process can also be specially：OM service nodes can obtain multiple being directed to for event observer accounts offer and judge proposition
Middle answer, and according to default answer handle logic multiple middle answers are handled, generation judge result.Wherein,
Generated based on the middle answer that multiple event observer accounts provide and judge that the answer of result handles logic, can combined
The relevant information of event observer's account, so that final judgement result can be more accurate, specific content is being implemented
Have been carried out describing in detail in example one, details are not described herein.
By setting the Claims Resolution for possessing above-mentioned function to handle node and OM service nodes in block chain network so that OM machines
The combination of system and block chain network system, solves the decision problem of Claims Resolution event, it is achieved thereby that being protected on block chain
The Claims Resolution processing of dangerous business.
Example IV
As shown in figure 4, its structural representation for the block chain network system applied to insurance business of the embodiment of the present invention
The two of figure, are with one difference of embodiment, the processing logic of Claims Resolution processing node and OM service nodes in embodiment one
It can be realized by way of intelligent contract, the node in block chain is configured to identify that these are specifically used for insurance
The intelligent contract for the intelligent contract for being engaged in handling handles node.In the block chain network system of the present embodiment include at least one or
Multiple intelligence contract processing nodes, can also include the block chain network function (packing of block chain data for being used for realization basis
With enter chain) general block chain back end.Certainly, above-mentioned intelligent contract processing node can also be in above-mentioned general area
On the basis of block chain back end, processing function or the program module of intelligent contract are realized by adding to realize.These
Intelligent contract processing node can identify the declaration form file of the intelligent contract form stored in block chain.
Wherein, all it is previously stored in declaration form file for the processing logic and relevant information of event of settling a claim, declaration form text
Part is stored in block chain in the form of intelligent contract, and intelligent contract processing node can transfer guarantor when the event of Claims Resolution occurs
Monofile, processing can be performed after reading the logic stored in declaration form file.Specifically, included at least in above-mentioned declaration form file
For Claims Resolution event judge proposition, for from OM service sides obtain for judge proposition judgements result OM handle logic with
And the Claims Resolution processing logic using the Claims Resolution processing judged between result execution policy-holder's account and insurer account.
Wherein, the processing logic in declaration form file relate to for Claims Resolution event judgement proposition and by OM mechanism come
Obtain for judge proposition judgement as a result, and be finally completed Claims Resolution processing.Intelligent contract processing node can be from OM service sides
To get judgement result.
Wherein, OM service sides can be the OM servers outside block chain network, and correspondingly, OM processing logics include accessing
The interaction process logic of OM servers outside block chain network, so as to fulfill judging that proposition is sent to OM servers, and from OM
Server obtains the judgement result for judgement proposition returned.
In addition, OM service sides can include multiple event observer accounts, correspondingly, at the answer that OM processing logic includes
Logic is managed, i.e., the middle answer provided for multiple event observer accounts is handled judges that the processing of result is patrolled to generate
Volume.Its specific processing procedure, is referred to a kind of judging based on multiple event observer accounts to generate for introduction of embodiment
As a result treatment mechanism, details are not described herein.
In the framework of the block chain network system of the embodiment of the present invention, it can handle and save there are multiple intelligent contracts at the same time
Put to perform above-mentioned processing procedure, the handling result finally produced can pass through the common recognition mechanism or competing of block chain network itself
Strive mechanism finally to write block chain, the data or information of final write-in block chain are forever protected as final result
Deposit.
Furthermore, it is necessary to explanation, in embodiments of the present invention, in the main contract using intelligence, embedded processing logic
Function, intelligent contract function in this way, reduces the functional configuration on the node in block chain network system, above-mentioned intelligence
As long as energy contract processing node can identify and extract processing logic in declaration form file, therefore, for block chain network
The node of system changes smaller, has but certain versatility, when the processing logic for some insurance business changes,
Directly generate new declaration form file and be embedded new processing logic, without changing the section in block chain network
Point function.In addition, the present embodiment also possesses whole technique effects of embodiment one, compensate for traditional block chain network system
It is merely able to the deficiency of record data so that insurance business can flexibly carry out in block chain network system.
Embodiment five
As shown in figure 5, its flow signal for the processing method of the Claims Resolution event based on block chain of the embodiment of the present invention
The two of figure, including：
S201：Obtained in response to the intelligent contract processing node of one or more of the generation for event of settling a claim, block chain network
Take the declaration form file of the intelligent contract form stored in block chain, declaration form file include the judgement proposition for Claims Resolution event,
For obtaining for the OM processing logics for the judgement result for judging proposition from OM service sides and being insured using judging that result performs
The Claims Resolution processing logic of Claims Resolution processing between square account and insurer account.Wherein, the generation in response to event of settling a claim can be with
Including：Generation in response to the Claims Resolution event for meeting default Claims Resolution trigger condition and triggering, or in response to policy-holder's account
The generation of the Claims Resolution event of initiation.
S202：One or more intelligence contract processing nodes are obtained according to proposition and OM processing logics is judged from OM service sides
Take judgement result.
Specifically, OM service sides can be the OM servers outside block chain network, and OM processing logic can include accessing
The interaction process logic of OM servers outside block chain network, correspondingly, the step can be specially intelligent contract processing section
Point will judge that proposition is sent to OM servers, and from the acquisition return of OM servers for the judgement result for judging proposition.
In addition, OM service sides can include multiple event observer accounts, the answer processing that OM processing logic can include
Logic, correspondingly, which can be specially：
S2021：Intelligent contract processing node generation Claims Resolution event decision request, and it is sent to multiple event observer accounts
Family, Claims Resolution event decision request include judging proposition and OM addresses corresponding with the judgement proposition for Claims Resolution event；
S2022：Intelligent contract processing node obtains the centre that multiple event observer accounts provide and answers according to OM addresses
Case；
S2023：Intelligent contract processing node handles logic according to answer, middle answer is handled, generation judges knot
Fruit.
Under the mechanism using the OM service sides being made of multiple event observers, it can use as described in embodiment one
Bright, the processing mode that the correlative factor of answer processing logical AND event observer is combined, so as to preferably play event
Effect and accuracy and validity of the observer in block chain network structure system.Its specific processing mode can include
The association of corresponding with event observer's account geographical location information, identity information corresponding with event observer's account associate and
The modes such as credit value association corresponding with event observer's account, in view of having been carried out being described in detail in embodiment one, herein
Repeating no more, the logic that only these processing procedures are related to has been stored in the form of intelligent contract in declaration form file,
And the main body for initiating these processes is intelligent contract processing node.
S203：Intelligent contract processing node is according to Claims Resolution processing logic and judges that result performs policy-holder's account and insurer
Claims Resolution processing between account.
The Claims Resolution process of whole insurance business is completed by above-mentioned processing step, passes through OM mechanism and block chain network
The combination of system, solves the decision problem of Claims Resolution event, it is achieved thereby that carrying out the Claims Resolution processing of insurance business on block chain.
Embodiment six
As shown in fig. 6, its for the embodiment of the present invention block chain Claims Resolution event processing system structure diagram it
Two, which includes：It is arranged at the intelligent contract processing node 13 of one or more of block chain network, the intelligence contract
Processing node 13 is used for following function：
In response to the generation for event of settling a claim, the declaration form file of the intelligent contract form stored in acquisition block chain, declaration form text
Part includes judging proposition, for obtaining at the OM for the judgement result for judging proposition from OM service sides for Claims Resolution event
Manage logic and the Claims Resolution processing logic using the Claims Resolution processing judged between result execution policy-holder's account and insurer account；
According to proposition and OM processing logics is judged, obtained from OM service sides and judge result；According to Claims Resolution processing logic and judge that result is held
Claims Resolution processing between row policy-holder account and insurer account.
Specifically, OM service sides can be the OM servers outside block chain network, and OM processing logic can include accessing
The interaction process logic of OM servers outside block chain network, it is correspondingly, above-mentioned that logic is handled according to judgement proposition and OM,
Obtained from OM service sides and judge that the processing function of result specially can will judge that proposition is sent to OM by intelligence contract processing node
Server, and the judgement result for judgement proposition returned is obtained from OM servers.
In addition, OM service sides can include multiple event observer accounts, the answer processing that OM processing logic can include
Logic, it is correspondingly, above-mentioned according to proposition and OM processing logics is judged, obtained from OM service sides and judge that the processing function of result can
Specially can be specially：
Intelligent contract processing node generation Claims Resolution event decision request, and multiple event observer accounts are sent to, settle a claim
Event decision request includes judging proposition and OM addresses corresponding with the judgement proposition for Claims Resolution event；At intelligent contract
Node is managed according to OM addresses, obtains the middle answer that multiple event observer accounts provide；Intelligent contract processing node is according to answering
Case handles logic, and middle answer is handled, and generation judges result.
Under the mechanism using the OM service sides being made of multiple event observers, it can use as described in embodiment one
Bright, the processing mode that the correlative factor of answer processing logical AND event observer is combined, so as to preferably play event
Effect and accuracy and validity of the observer in block chain network structure system.
By setting the intelligent contract for possessing above-mentioned function to handle node in block chain network, and combine in declaration form file
The processing logic prestored so that the combination of OM mechanism and block chain network system, solves the decision problem of Claims Resolution event,
It is achieved thereby that the Claims Resolution processing of insurance business is carried out on block chain.
One of ordinary skill in the art will appreciate that：Realizing all or part of step of above-mentioned each method embodiment can lead to
The relevant hardware of programmed instruction is crossed to complete.Foregoing program can be stored in a computer read/write memory medium.The journey
Sequence upon execution, execution the step of including above-mentioned each method embodiment；And foregoing storage medium includes：ROM, RAM, magnetic disc or
Person's CD etc. is various can be with the medium of store program codes.
Finally it should be noted that：The above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Pipe is described in detail the present invention with reference to foregoing embodiments, it will be understood by those of ordinary skill in the art that：Its according to
Can so modify to the technical solution described in foregoing embodiments, either to which part or all technical characteristic into
Row equivalent substitution；And these modifications or replacement, the essence of appropriate technical solution is departed from various embodiments of the present invention technology
The scope of scheme.
Claims (10)
- A kind of 1. processing method of the Claims Resolution event based on block chain, it is characterised in that including：The Claims Resolution thing is directed in response to the Claims Resolution processing node generation of one or more of the generation for event of settling a claim, block chain network The Claims Resolution event decision request of part, and the Claims Resolution event decision request is written in block chain, the Claims Resolution event judges please Ask including judging proposition and OM addresses corresponding with the judgement proposition for Claims Resolution event；One or more of OM service nodes obtain the Claims Resolution event decision request from the block chain, and according to institute The judgement proposition in Claims Resolution event decision request is stated, generation is judged as a result, and being written in block chain corresponding with the OM addresses Storage region in；One or more of Claims Resolution processing nodes according to the OM addresses, obtained from the block chain it is described judge as a result, And according to the Claims Resolution processing judged between result execution policy-holder's account and the insurer account.
- 2. according to the method described in claim 1, it is characterized in that, the judgement in the Claims Resolution event decision request is ordered Topic, generation judge that result includes：The OM service nodes obtain the middle answer for the judgement proposition that multiple event observer accounts provide, and root Multiple middle answers are handled according to default answer processing logic, generate the judgement result.
- 3. according to the method described in claim 2, it is characterized in that, the Claims Resolution event decision request further includes：The Claims Resolution First geographical location information of event correlation,The OM service nodes obtain the middle answer for the judgement proposition that multiple event observer accounts provide, and root Multiple middle answers are handled according to default answer processing logic, generating the judgement result includes：The OM service nodes obtain the middle answer for the judgement proposition that multiple event observer accounts provide And corresponding second geographical location information of the event observer account；The degree of association between multiple second geographical location information and first geographical location information is calculated, then according to institute The weighted value that the degree of association sets the middle answer that the multiple event observer account provides is stated, the geographic location association degree is got over The big weighted value is higher；The middle answer provided according to the multiple event observer account and its weighted value, generate the judgement result.
- 4. according to the method described in claim 2, it is characterized in that, the Claims Resolution event decision request further includes：The Claims Resolution The event content information of event,The OM service nodes obtain the middle answer for the judgement proposition that multiple event observer accounts provide, and root Multiple middle answers are handled according to default answer processing logic, generating the judgement result includes：The OM service nodes obtain the middle answer for the judgement proposition that multiple event observer accounts provide And the identity information of the event observer account；Calculate the degree of association between the identity information of multiple event observer accounts and the event content information, Ran Hougen The weighted value for the middle answer that the multiple event observer account provides is set according to the degree of association, the Identity Association degree is got over The big weighted value is lower；The middle answer provided according to the multiple event observer account and its weighted value, generate the judgement result.
- 5. according to the method described in claim 2, it is characterized in that, the OM service nodes obtain multiple event observer accounts There is provided for it is described judgement proposition middle answer, and according to default answer processing logic to multiple middle answers at Reason, generating the judgement result includes：The OM service nodes obtain the middle answer for the judgement proposition that multiple event observer accounts provide And the credit value of the event observer account；The weighted value for the middle answer that the multiple event observer account provides, the credit value are set according to the credit value The lower height of the more high weighted value；The weighted value for the middle answer that the multiple event observer account provides, institute's Identity Association are set according to the degree of association Degree is bigger, and weighted value is lower；The middle answer provided according to the multiple event observer account and its weighted value, generate the judgement results messages.
- 6. according to the method described in claim 5, it is characterized in that, further include, the OM service nodes are by final judgement knot The middle answer that fruit and each event observer account provide is compared, and determines what each event observer account provided The accuracy of middle answer, and according to the credit value of each event observer account of accuracy adjustment.
- 7. according to the method described in claim 1, it is characterized in that, the judgement in the Claims Resolution event decision request is ordered Topic, generation judge that result includes：The OM service nodes access the OM servers outside the block chain network, and acquisition is directed to institute State the judgement result for judging proposition.
- 8. according to the method described in claim 1, it is characterized in that, include in response to Claims Resolution event：Generation in response to the Claims Resolution event for meeting default Claims Resolution trigger condition and triggering, or in response to policy-holder's account The generation for the Claims Resolution event that family is initiated.
- 9. a kind of processing system of the Claims Resolution event of block chain, it is characterised in that including one be arranged in block chain network Or multiple Claims Resolution processing nodes and OM service nodes：Claims Resolution processing node, for the generation in response to event of settling a claim, generation judges for the Claims Resolution event of the Claims Resolution event please Ask, and the Claims Resolution event decision request is written in block chain, the Claims Resolution event decision request includes being directed to Claims Resolution event Judge proposition and OM addresses corresponding with the judgement proposition；And according to the OM addresses, obtained from the block chain It is described to judge as a result, and according to the Claims Resolution processing judged between result execution policy-holder's account and the insurer account；OM service nodes, for from the block chain, obtaining the Claims Resolution event decision request, and according to the Claims Resolution event Judgement proposition in decision request, generation are judged as a result, and being written in block chain storage region corresponding with the OM addresses In.
- 10. system according to claim 1, it is characterised in that the judgement life in the Claims Resolution event decision request Topic, generation judge that result includes：The OM service nodes obtain the middle answer for the judgement proposition that multiple event observer accounts provide, and root Multiple middle answers are handled according to default answer processing logic, generate the judgement result.
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