CN107993047A - A kind of declaration form sales commission rights management method based on block chain - Google Patents
A kind of declaration form sales commission rights management method based on block chain Download PDFInfo
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Abstract
The present invention relates to a kind of declaration form sales commission rights management method based on block chain, it mainly realizes a series of standardized administrations of the declaration form sales commission rights and interests that insurance sales personnel and insurance intermediaries company obtain rights and interests from sold declaration form and be related in actual insurance business using the intelligent contract among block chain.Block chain is a kind of account book technology of distributed decentralization, it can realize the trust independent of any trusted third party, and the data that can ensure to be stored in block chain illegally can not be stolen, forged or distorted.On the other hand, having benefited from program does not have ambiguity and the security feature of block chain, and intelligent contract technology can easily complete set service logic in system between each role, and the processing of these business possesses transactional.
Description
Technical field
The present invention relates to block chain and intelligent contract technology, particularly a kind of declaration form sales commission rights and interests based on block chain
Management method.
Background technology
2008, the middle clever concept for proposing block chain, because it possesses decentralization, data can not be distorted and forged, hide
Name property, can trace etc. characteristic, so attracting attention quickly.Block chain is that one kind is recorded in execution completion in multinode and shares
Numerous transaction distributed data base, in it each transaction can all pass through the common recognition of great deal of nodes in system and verify.Introduce
The block chain of intelligent contract, has entered 2.0 and 3.0 epoch of block chain, in essence, intelligent contract is operate in block
New agreement or system on chain, its object is to extend the function of block chain.Run on the intelligent contract on block chain 2.0
Comprising with the interaction of other contracts, make decision (depend on program there is no ambiguity), storage data, send corresponding digital encryption goods
The business logics such as coin.Contract is defined by founder, but it is performed and other are all only depended on by the service that contract provides
Block chain 2.0 itself, as long as the chain that block chain 2.0 is safeguarded exists, they can be performed always, only when contract is compiled
There are self-destruction code, contract during journey can just disappear.Contract is in itself comprising the code and number being stored on chain at a particular address
According to corresponding contract is also a kind of presence of account, it can transmit message between contract account can also actually do figure spirit
Complete calculating.The execution of contract code relies in block chain 2.0 designed virtual machine, and each node is all in block chain network
This virtual machine can be run to run contract code.Thus with block chain technology (including the block chain for supporting intelligent contract
2.0, such as ether mill, block chain 3.0, such as hyperledger of IBM etc.) technology, can possess from intervening and disobeying
Rely the transaction trusted in third party, the complete consistent and accurate, stalwartness dependent on distributed p 2 p of block chain data
Property, the transactional that performs of transaction, transaction it is transparent can not change, unified account book etc. the advantages that.
In insurance industry, there are the interests such as insurance company, insurance intermediaries company, insurance sales personnel (i.e. agent) pass
Connection side.Insurance intermediaries company includes insurance agency, insurance broker companies and third party insurance sales platform etc., in insurance
The product of marketing insurance company of Jie company, it is necessary to obtain the mandate of insurance company, it will usually which user name, account, certificate label are provided
Name etc., by interface docking mode or logs in a manner of the website of mandate, carries out declaration form sale, the declaration form pin under corresponding user name
Sell achievement and belong to the insurance intermediaries company.Insurance agent is attached to insurance intermediaries company or is directly subordinate to insurance company, insurance
After sales force's marketing insurance product, the mechanism attached from its receives a commission, and clearing of the insurance company for commission are not
When, it will usually there is the delay of long period, from two weeks to half a year etc..Insurance intermediaries company or insurance agent are hired
The time of gold is limited by insurance company's commission billing cycle.
The agent for successfully selling out declaration form and intermediary, can be based on true declaration form data and insurance company's reconciliation, gather around
Have from insurance company and obtain the right of declaration form commission.Sell away but still open commission, be insurance intermediaries company and agency
The accounts receivable of people.Therefore, effective management of declaration form sales commission rights and interests how is realized in insurance business scene, is current
Urgent problem to be solved
The content of the invention
In view of the above problems, it is proposed that the present invention overcomes the above problem in order to provide one kind or solves at least in part
State a kind of declaration form sales commission rights management method based on block chain of problem.
The embodiment of the present invention provides a kind of declaration form sales commission rights management method based on block chain, including following step
Suddenly：
Step 1：Insurance intermediaries company, to the mandate PC and account password and signature itself distributed, is led to using insurance company
The declaration form database for accessing insurance company is crossed, declaration form data is obtained and is divided into two major classes according to declaration form situation：The first kind, insurance are public
Department had paid commission；Second class, insurance company did not paid commission；
Step 2：Insurance sales personnel submit the related policy information data itself sold, and with itself account in alliance's chain
Submit the related policy information data of the sale etc. pending in family；
Step 3：For the first kind situation in the step 1, insurance company had paid the declaration form of commission, then by it
Data are signed with insurance intermediaries corporation account and call contract to submit into alliance's chain, while declaration form ownership side records
For insurance company, it is declaration form rights management contract to call contract, is denoted as and about A；
Step 4：For the second class situation in the step 1, the ownership side of acquired declaration form should be with this declaration form sales force
Account recorded, declaration form data by insurance intermediaries corporation account sign after, be stored in alliance's chain, described in calling
About A；
Step 5：After the related policy information data that insurance sales personnel submit the sale, insurance intermediaries company according to
The related letter of related policy information data and insurance sales the personnel's own identification for the sale that insurance sales personnel submit
Breath, after verification declaration form is errorless, calls and about A, formal cochain stores the sale that the insurance sales personnel are submitted
Related policy information data and using the data after itself account signature, the ownership side of the corresponding declaration form of the data is described
Insurance sales personnel；
Step 6：Insurance intermediaries company can buy the right of attribution of declaration form with the price relatively less than former declaration form sales commission, with
The insurance sales personnel are allowd quickly to take commission, insurance intermediaries company can also be from wherein acquiring an advantage；Described
In step 2, it is necessary to each declaration form ownership of additional input when insurance sales personnel submit the related policy information data of the sale
Power transfers the possession of the required commission number paid；Commission price has two kinds, and a kind of is that the declaration form that insurance company provides corresponds to original cost rights and interests
Commission needed for transfer, not comprising discount；Another kind is to be filled according to the discount rate of corresponding insurance intermediaries company needed for power-interest transfer
The specific number of commission；The commission price, all needs to deduct the rights and interests that insurance intermediaries company should therefrom get in advance；
Step 7：In the step 6, insurance intermediaries company pays the corresponding brokerage charges of insurance sales personnel, with
Obtain the right of attribution for the corresponding declaration form that the insurance sales personnel are possessed；After insurance sales personnel receive commission, the guarantor
Dangerous sales force calls and about A, and the ownership side for changing the corresponding declaration form is insurance intermediaries company, to complete power-interest transfer；
Step 8：When insurance company's Settlement Date reaches, the corresponding commission of disbursement insurance intermediary company of insurance company is taken
With to obtain the right of attribution for the corresponding declaration form that insurance intermediaries company is possessed；After insurance intermediaries company receives commission, in insurance
Jie company calls and about A, and the ownership side for changing the corresponding declaration form is insurance company, to complete power-interest transfer.
In one embodiment, the declaration form database of insurance company is accessed in the step 1, accessing has two ways, and one
Kind is mating interface pattern, by including the interface document of account, password and signature, accesses insurance company database；One kind is
Login mode, logs in insurance company website by the PC of mandate and corresponding account number cipher, accesses insurance company database.
In one embodiment, alliance's chain in the step 2 is to possess insurance company, insurance intermediaries company, safety plug
The block catenary system of personnel's Three role is sold, node is built by insurance company, insurance intermediaries company or insurance sales personnel.
In one embodiment, when the node is built by insurance sales personnel, the insurance sales personnel need by
Insurance company and insurance intermediaries company, which authorize, to be added.
In one embodiment, in the step 5, correlation of the insurance intermediaries company in the sale of examination ＆ verification insurance sales personnel
When policy information data and its identity, the account in its corresponding alliance's chain is also audited, after examination ＆ verification passes through, by the safety plug
The account sold in the corresponding alliance's chain of personnel is bound with the insurance sales personnel.
In one embodiment, in the step 7, the insurance sales personnel call and about A, including：
The insurance sales personnel are by calling intelligent contract typing declaration form.
In one embodiment, the declaration form power-interest transfer, including：
Verify the signature of declaration form data, whether the signature for determining the declaration form data is insurance intermediaries company or insurance company
Signature；
When being determined as the signature of insurance intermediaries company or insurance company, the signature of the declaration form data is valid data.
The beneficial effect of above-mentioned technical proposal provided in an embodiment of the present invention includes at least：
(1) by means of block chain technology, realize the cochain storage of declaration form data, it is ensured that can not the distorting of data, completely with
And it is accurate, while the distributed structure/architecture of block chain, it ensure that the robustness of alliance's chain network.
(2) based on block chain and intelligent contract, avoiding traditional power-interest transfer needs to trust third party, complicated formality money
Material and longer stand-by period.
(3) the power-interest transfer business realized based on intelligent contract possesses transactional, unambiguity.
(4) Distributed Application based on the exploitation of alliance chain can cause the people without any block chain technical background still can be with
Easily operated, extra operating difficulties will not be introduced.
(5) submit declaration form post sales, examination ＆ verification by operations such as declaration form, declaration form power-interest transfer, the purchase declaration form right of attribution all
It is to be carried out in the form of transaction, relative recording can recall, checked available for tracking etc..The currency that transaction uses, including entity goods
Coin or the ideal money of ether mill technical support (token such as bit coin, ether coin).
(6) cochain declaration form data are signed by insurance company or insurance intermediaries company, it can be ensured that the correctness of declaration form data.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
Obtain it is clear that or being understood by implementing the present invention.The purpose of the present invention and other advantages can be by the explanations write
Specifically noted structure is realized and obtained in book, claims and attached drawing.
Below by drawings and examples, technical scheme is described in further detail.
Brief description of the drawings
Attached drawing is used for providing a further understanding of the present invention, and a part for constitution instruction, the reality with the present invention
Apply example to be used to explain the present invention together, be not construed as limiting the invention.In the accompanying drawings：
Fig. 1 is the configuration diagram of declaration form sales commission right management system provided in an embodiment of the present invention.
Fig. 2 is declaration form sales commission right management system functional structure chart provided in an embodiment of the present invention.
Fig. 3 is contract provided in an embodiment of the present invention and corresponding caller schematic diagram.
Fig. 4 shifts schematic diagram for declaration form state provided in an embodiment of the present invention.
Authentication and login account flow chart when Fig. 5 needs to add for new IS provided in an embodiment of the present invention.
Fig. 6 is the Distributed Application functional structure chart provided in an embodiment of the present invention based on insurance alliance chain.
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.
Declaration form sales commission rights management method provided in an embodiment of the present invention based on block chain, mainly there is following step
Suddenly：
Step 1：Insurance intermediaries company, to the mandate PC and account password and signature itself distributed, is led to using insurance company
The declaration form database for accessing insurance company is crossed, declaration form data is obtained and is divided into two major classes according to declaration form situation：The first kind, insurance are public
Department had paid commission；Second class, insurance company did not paid commission；
Step 2：Insurance sales personnel submit the related policy information data itself sold, and with itself account in alliance's chain
Submit the related policy information data of the sale etc. pending in family；
Step 3：For the first kind situation in the step 1, insurance company had paid the declaration form of commission, then by it
Data are signed with insurance intermediaries corporation account and call contract to submit into alliance's chain, while declaration form ownership side records
For insurance company, it is declaration form rights management contract to call contract, is denoted as and about A；
Step 4：For the second class situation in the step 1, the ownership side of acquired declaration form should be with this declaration form sales force
Account recorded, declaration form data by insurance intermediaries corporation account sign after, be stored in alliance's chain, described in calling
About A；
Step 5：After the related policy information data that insurance sales personnel submit the sale, insurance intermediaries company according to
The related letter of related policy information data and insurance sales the personnel's own identification for the sale that insurance sales personnel submit
Breath, after verification declaration form is errorless, calls and about A, formal cochain stores the sale that the insurance sales personnel are submitted
Related policy information data and using the data after itself account signature, the ownership side of the corresponding declaration form of the data is described
Insurance sales personnel；
Step 6：Insurance intermediaries company can buy the right of attribution of declaration form with the price relatively less than former declaration form sales commission, with
The insurance sales personnel are allowd quickly to take commission, insurance intermediaries company can also be from wherein acquiring an advantage；Described
In step 2, it is necessary to each declaration form ownership of additional input when insurance sales personnel submit the related policy information data of the sale
Power transfers the possession of the required commission number paid；Commission price has two kinds, and a kind of is that the declaration form that insurance company provides corresponds to original cost rights and interests
Commission needed for transfer, that is, not comprising discount；Another kind is to fill in rights and interests according to the discount rate of corresponding insurance intermediaries company to turn
The specific number of commission needed for allowing；The commission price, all needs to deduct the rights and interests that insurance intermediaries company should therefrom get in advance；
Step 7：In the step 6, insurance intermediaries company pays the corresponding brokerage charges of insurance sales personnel, with
Obtain the right of attribution for the corresponding declaration form that the insurance sales personnel are possessed；After insurance sales personnel receive commission, the guarantor
Dangerous sales force calls and about A, and the ownership side for changing the corresponding declaration form is insurance intermediaries company, to complete power-interest transfer；
Step 8：When insurance company's Settlement Date reaches, the corresponding commission of disbursement insurance intermediary company of insurance company is taken
With to obtain the right of attribution for the corresponding declaration form that insurance intermediaries company is possessed；After insurance intermediaries company receives commission, in insurance
Jie company calls and about A, and the ownership side for changing the corresponding declaration form is insurance company, to complete power-interest transfer.
In the present embodiment, it is an object of the invention to provide a kind of declaration form sales commission rights management side based on block chain
Method, can realize declaration form sales commission rights management, suitable for insurance industry, it is possible to achieve declaration form number in insurance business scene
According to cochain store, and can ensure declaration form data can not distort and correctness.This method is distributed using block chain as bottom
Formula account book, can not be distorted with it, the characteristic of data complete and accurate realize declaration form data safe cochain storage, utilize insurance company
And the alliance chain built of insurance intermediaries company is as relying on, development DDB application, by with identity binding, insurance company,
Insurance intermediaries company and insurance sales personnel, its corresponding account just correspond to its own, be also convenient for carry out authority accordingly
Related management.PC and corresponding account password and data signature are authorized using insurance company, can be by insurance company's data
Related declaration form data in storehouse are errorless to be stored among alliance's chain.
The state according to declaration form current home is needed when calling contract to be stored, for example belongs to insurance company, protect
Dangerous agency or insurance sales personnel, differentiation are stored among block chain.When insurance sales personnel complete the sale of declaration form
Afterwards, you can submit related declaration form data, and these policy informations are easily submitted by the Distributed Application based on alliance's chain
And input commission needed for corresponding power-interest transfer.After the examination ＆ verification of insurance intermediaries company passes through, these declaration forms just determine to return safety plug
The personnel of selling own, and at this time, insurance intermediaries company by the form paid under line or on line, can buy the right of attribution of declaration form, protect
Dangerous sales force is after receiving a commission, and it is insurance intermediaries company to call contract modification declaration form ownership side, it is achieved thereby that declaration form is weighed
The quick transfer of benefit.Correspondingly, after declaration form deduction accounting period and the clearing of insurance company and intermediary company has been arrived, insurance intermediaries
Company obtains corresponding rights and interests then using the right of attribution of same method transfer declaration form to insurance company.So far, the present embodiment carries
Effective management of declaration form sales commission rights and interests can be achieved in the method for confession in insurance business scene.
Declaration form sales commission rights management method provided in this embodiment based on block chain, the implementation of this method are based on protecting
Single sales commission right management system, with reference to shown in Fig. 1, including underlying device, core layer and application layer, wherein core layer are distinguished
The transmitted in both directions of data is realized with underlying device and application layer, underlying device is the insurance alliance chain P2P networks based on block chain
Structure.Core layer is formed by insuring alliance's chain node, is specifically included, insurance company's account, insurance agency's account, contract account
Family and multiple insurance sales personnel accounts.Application layer is to insure alliance's chain Distributed Application, including multiple blocks, block and block
Between connect.In addition it can refer to shown in Fig. 2, be declaration form sales commission right management system function knot provided in an embodiment of the present invention
Composition.
Submit declaration form post sales, examination ＆ verification by the operations such as declaration form, declaration form power-interest transfer, the purchase declaration form right of attribution be all with
The form of transaction carries out, and relative recording can recall, checked available for tracking etc..Merchandise the currency that uses, including physical monetary or
The ideal money (token such as bit coin, ether coin) of ether mill technical support.
In one embodiment, the declaration form data of acquisition are accurate credible, and the declaration form data of insurance company are accessed in step 1
Storehouse, the mandate PC being generally equipped with by insurance company and corresponding account number cipher, signature access, and accessing has two ways, and one
Kind is mating interface pattern, by including the interface document of account, password and signature, accesses insurance company database；One kind is
Login mode, by the PC of mandate, for example is that insertion authorizes U-shield or limits MAC Address, and corresponding account number cipher logs in
Insurance company website, accesses insurance company database.
In one embodiment, in above-mentioned steps 3 and step 5, insurance intermediaries company perform declaration form data examination ＆ verification and
The function of alliance's chain is uploaded after signature, similarly, the declaration form data that insurance company can also perform are audited and uploaded after signing
The function of alliance's chain.
In one embodiment, insurance intermediaries company is when auditing the declaration form data and its identity of insurance sales personnel, also
The account in its corresponding alliance's chain should be audited, after examination ＆ verification passes through, this account is just bound with this insurance sales personnel.Phase
Answer, the account of insurance intermediaries company and insurance company should also be as being published in its corresponding official website or have the ground of public credibility
Side.
In one embodiment, in above-mentioned steps 7, insurance sales personnel are by calling intelligent contract typing declaration form.Rights and interests
The serial flow of transfer, including typing declaration form, declaration form power-interest transfer etc. need to be completed by intelligent contract.
After the examination ＆ verification of insurance intermediaries company passes through, these declaration forms just determine to return insurance sales personnel to own, at this time, in insurance
Jie company by the form paid under line or on line, can buy the right of attribution of declaration form, insurance sales personnel after receiving a commission,
It is insurance intermediaries company to call contract modification declaration form ownership side, it is achieved thereby that the quick transfer of declaration form rights and interests, and have benefited from intelligence
Can contract, these operations are all businesslike and do not have an ambiguity.
Further, declaration form power-interest transfer involved in above-mentioned all steps, need to first verify the signature of declaration form data, if
The signature of insurance intermediaries company or insurance company is then valid data.Meanwhile declaration form can be before insurance company settles accounts, multiple matter
Give as security.Cochain declaration form data are signed by insurance company or insurance intermediaries company, it can be ensured that the correctness of declaration form data.
It is specifically described for convenience below, indicates following symbol implication first：
It is building for alliance's chain environment first.Alliance's chain sets up node to be built by IC and IA, and IS can be submitted
Add the application of this chain and audited by IC and IA, if agreed to, the node for being set up IS by the node of IC or IA adds
Enter among this alliance's chain.Each node totally uses the client for the block chain 2.0 for possessing intelligent contract function, node sets
Network ID, network identity, RPC parameters, RPC domain names, block chain data directory, the port opened and enabled RPC, which are called, to be connect
Mouthful (API) etc. must be consistent, and the original block file of each node also needs identical.Meanwhile the common recognition mechanism of alliance's chain need to use power
Benefit is proved common recognition mechanism (PoS, Proof of Stake) or is adapted to the common recognition of alliance's chain application scenarios using other as needed
Mechanism.The book keeping operation of alliance's chain can distinguish the account of IC, IA and IS, can not also distinguish, corresponding if not differentiating between
Reward mechanism of keeping accounts retains.
Secondly the establishment and issue of declaration form rights management and about A.With reference to shown in Fig. 3, and about A should possess registration account
The functions such as family, account Role Classification, the storage of declaration form relevant information, declaration form examination ＆ verification and warranty pledge logic.IC utilizes its account
After issue and about A, IA can register oneself account, IC calling by its proof of identification and related qualification material IC at respectively
Contract, records its account address and corresponding IA identity, and the function of corresponding identity can be performed easy to it.IS provides proof of identification
And the associated materials as insurance sales personnel, oneself account is registered at IC or IA, corresponding IC or IA call contract, note
Record its account address and corresponding IS identity.
Then, IA side is needed according to different IC system for use in carrying, the account password possessed using itself, certificate signature and is awarded
PC is weighed, obtains the declaration form data of corresponding IC, and the situation of commission whether had been paid according to declaration form, classification is called contract
A, if declaration form is to belong to insurance company, to correspond to the account address of IC as declaration form ownership side, then call contract into
Row cochain stores, if rights and interests do not transfer the declaration form of insurance company also, then according to the insurance sales personnel recorded, with it
Then contract is called to carry out cochain storage, while deducting the deserved power in IA side as declaration form ownership side in corresponding account address
After benefit, according to the discount commission needed for the corresponding power-interest transfer of typing declaration form in the lump of IA agreements.Note that declaration form ownership herein
Side, is not necessarily referring to the declaration form owner, but refer in particular to the ownership person of declaration form commission rights and interests.In addition, during declaration form data cochain, IA need to be with certainly
Body account is signed, and cochain is stored in itself together with declaration form data.Wherein, declaration form data include declaration form rights allocation side,
Number of policy, affiliated insurance company, insurer, insurant, intermediary, agent, warranty details information etc..
On the other hand, for new declaration form, if after IS sells out new declaration form, it can call contract by its account
A, submits the relevant information (including declaration form power-interest transfer commission) of these new declaration forms sold away, this is also filled in by declaration form ownership side
The account of IS, then, this IS need to submit these declaration forms related data (such as client be used for buy delivery of policy fund, have visitor
Declaration form agreement of family signature etc.) IA is given, audited by IA, if errorless, sign these declaration forms and calling and about A, formally
These declaration form data of typing and corresponding signature, at this time, these declaration forms just formally belong to IS.
With reference to shown in Fig. 4, IA can script or manually by way of, periodically inquire about all guarantors by examination ＆ verification
List simultaneously judges that declaration form could pledge, and the right of attribution of declaration form is then obtained in a manner of paying commissions under line or on line, IS receives servant
It is insurance intermediaries company IA that contract modification declaration form ownership side is called after gold, and so far the logic of declaration form power-interest transfer just completes, its
Involved in the distributed declaration form management application all by contract and based on the exploitation of alliance chain of correlation values and logical check in
Front end check and realize.Correspondingly, when declaration form, Settlement Date reach and after pay commissions, IC will in the same way,
The right of attribution for all declaration forms that ownership side is IA is obtained, so that both having solved IS in legacy system obtains deduction time interval length,
Formality is more, thereby increases and it is possible to can produce the various problems such as agreement dispute, in turn ensure that the transactional of change declaration form right of attribution operation, IA
It can suitably make a profit, produce the effect of mutual benefit, promote industry development.Meanwhile before declaration form is formally settled accounts, it can carry out repeatedly
Process is pledged as declaration form power-interest transfer.
When have new IS need add when, using with it is above-mentioned as by the way of, it was demonstrated that own identification, pass through IA or IC registration
Account number, transfers the possession of the former one's own declaration form sold away, quick to obtain corresponding rights and interests.Wherein new IS needs to add
When, authentication and login account can refer to shown in Fig. 5.
When there is new IA to need to add, using with it is above-mentioned it is consistent by the way of, with reference to shown in Fig. 5, there is provided related qualification card
It is bright and such with the agreement that IC is signed, audit and account number is registered by IC after passing through, just complete all preparations.
Thus, for all roles of participation, its function and authority are different.IS, which possesses, submits what is sold away
Declaration form, transfer the possession of oneself affiliated declaration form rights and interests function；IA possesses function, purchase declaration form ownership of the examination ＆ verification by the IS declaration forms submitted
The function of power, examination ＆ verification and registration IS accounts, the existing declaration form of storage；IC possesses examination ＆ verification and the function of registering IS and IA accounts, purchase
The function of the declaration form right of attribution, the existing declaration form of storage.
In addition, present invention also offers declaration form management system this Distributed Application of exploitation based on alliance's chain, with reference to Fig. 6
Shown, developing the purpose of this application, be so that can also the existing tradition of biconditional operation even if the personnel of no block chain technical background
The mode of information collation system equally use method provided by the invention, on the one hand, reduce threshold, on the other hand, make
With also more efficiently it is convenient.Distributed Application based on alliance's chain exploitation can cause the people without any block chain technical background still
It so can easily be operated, extra operating difficulties will not be introduced.
Declaration form management system based on alliance's chain mainly by truffle frames or other similar to Development of Framework, utilize
The language such as the javascript of webpage rear end are interacted with the api that block chain client opens, or pass through the languages such as python
Speech is interacted by accessing the RPC interfaces of block chain client offer, completes the interface of the service logic of the demand,
So as to achieve the purpose that human-machine operation close friend.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
God and scope.In this way, if these modifications and changes of the present invention belongs to the scope of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to comprising including these modification and variations.
Claims (7)
- A kind of 1. declaration form sales commission rights management method based on block chain, it is characterised in that comprise the following steps：Step 1：Insurance intermediaries company, to the mandate PC and account password and signature that itself distribute, passes through visit using insurance company Ask the declaration form database of insurance company, obtain declaration form data and be divided into two major classes according to declaration form situation：The first kind, insurance company are Through paying commission；Second class, insurance company did not paid commission；Step 2：Insurance sales personnel submit the related policy information data itself sold, and are carried in alliance's chain with itself account Hand over the related policy information data of the sale etc. pending；Step 3：For the first kind situation in the step 1, insurance company had paid the declaration form of commission, then by its data Signed with insurance intermediaries corporation account and call contract to submit into alliance's chain, while declaration form ownership side is recorded as protecting Dangerous company, it is declaration form rights management contract to call contract, is denoted as and about A；Step 4：For the second class situation in the step 1, the ownership side of acquired declaration form should be with the account of this declaration form sales force Family is recorded, and after declaration form data are signed by insurance intermediaries corporation account, is stored in alliance's chain, is called the contract A；Step 5：After the related policy information data that insurance sales personnel submit the sale, insurance intermediaries company is according to insurance The relevant information of related policy information data and insurance sales the personnel's own identification for the sale that sales force submits, After verification declaration form is errorless, calls and about A, formal cochain store the related guarantor for the sale that the insurance sales personnel are submitted Single information material and using the data after itself account signature, the ownership side of the corresponding declaration form of the data is the safety plug Sell personnel；Step 6：Insurance intermediaries company can buy the right of attribution of declaration form with the price relatively less than former declaration form sales commission, so that The insurance sales personnel can quickly take commission, and insurance intermediaries company can also be from wherein acquiring an advantage；In the step 2 In, it is necessary to which each declaration form right of attribution of additional input turns when insurance sales personnel submit the related policy information data of the sale The commission number paid needed for allowing；Commission price has two kinds, and a kind of is that the declaration form that insurance company provides corresponds to original cost power-interest transfer Required commission, not comprising discount；Another kind is to fill in commission needed for power-interest transfer according to the discount rate of corresponding insurance intermediaries company Specific number；The commission price, all needs to deduct the rights and interests that insurance intermediaries company should therefrom get in advance；Step 7：In the step 6, insurance intermediaries company pays the corresponding brokerage charges of insurance sales personnel, to obtain The right of attribution for the corresponding declaration form that the insurance sales personnel are possessed；After insurance sales personnel receive commission, the safety plug Personnel's calling and about A are sold, the ownership side for changing the corresponding declaration form is insurance intermediaries company, to complete power-interest transfer；Step 8：When insurance company's Settlement Date reaches, the corresponding brokerage charges of disbursement insurance intermediary company of insurance company, To obtain the right of attribution for the corresponding declaration form that insurance intermediaries company is possessed；After insurance intermediaries company receives commission, insurance intermediaries Company calls and about A, and the ownership side for changing the corresponding declaration form is insurance company, to complete power-interest transfer.
- 2. the declaration form sales commission rights management method according to claim 1 based on block chain, it is characterised in that described The declaration form database of insurance company is accessed in step 1, access has two ways, and one kind is mating interface pattern, by including account Number, the interface document of password and signature, access insurance company database；One kind is login mode, by the PC of mandate and right The account number cipher answered logs in insurance company website, accesses insurance company database.
- 3. the declaration form sales commission rights management method according to claim 1 based on block chain, it is characterised in that：It is described Alliance's chain in step 2 is to possess insurance company, insurance intermediaries company, the block catenary system of insurance sales personnel's Three role, Node is built by insurance company, insurance intermediaries company or insurance sales personnel.
- 4. the declaration form sales commission rights management method according to claim 3 based on block chain, it is characterised in that work as institute When stating node and being built by insurance sales personnel, the insurance sales personnel need to be authorized by insurance company and insurance intermediaries company plus Enter.
- 5. the declaration form sales commission rights management method according to claim 1 based on block chain, it is characterised in that：It is described In step 5, insurance intermediaries company also examines when auditing related the policy information data and its identity of sale of insurance sales personnel Account in its corresponding alliance's chain of core, after examination ＆ verification passes through, by the account in the corresponding alliance's chain of the insurance sales personnel Bound with the insurance sales personnel.
- 6. the declaration form sales commission rights management method according to claim 1 based on block chain, it is characterised in that：It is described In step 7, the insurance sales personnel call and about A, including：The insurance sales personnel are by calling intelligent contract typing declaration form.
- 7. the declaration form sales commission rights management method according to claim 6 based on block chain, it is characterised in that：It is described Declaration form power-interest transfer, including：Verify declaration form data signature, determine the declaration form data signature whether be insurance intermediaries company or insurance company label Name；When being determined as the signature of insurance intermediaries company or insurance company, the signature of the declaration form data is valid data.
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| CN201711176074.0A CN107993047B (en) | 2017-11-22 | 2017-11-22 | Policy sales commission rights and interests management method based on block chain |
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