CN109003192A - A kind of insurance underwriting method and relevant device based on block chain - Google Patents
A kind of insurance underwriting method and relevant device based on block chain Download PDFInfo
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Abstract
The embodiment of the present application discloses a kind of insurance underwriting method and relevant device based on block chain, this method is applied to block chain node device, for automatically determining underwriting expense according to the personal information of insurant, it reduces cost of labor and reduces influence of the human factor influence to insurance expenses, this method comprises: obtaining the insured reference information of pre- insured object；Acquisition is accepted insurance strategy, which is recorded in block chain in the form of intelligent contract, which includes corresponding relationship between different grades of insured reference information and different rules of accepting insurance；According to the corresponding relationship between the different grades of insured reference information and different rules of accepting insurance, determine that target corresponding with the insured reference information of the pre- insured object is accepted insurance rule；The target is recorded to accept insurance rule.
Description
Technical field
This application involves insurance fields, more particularly to a kind of insurance underwriting method and relevant device based on block chain.
Background technique
Block chain because having decentralization, data can not be distorted and be forged, anonymity, it is traceable the features such as, receive wide
General concern.Block chain is a kind of distributed data base for being recorded in and executing in multinode and completing and share numerous transaction, interior every
One transaction can all be verified by the common recognition of great deal of nodes in system.The block chain for introducing intelligent contract, has entered block
2.0 epoch of chain, in essence, intelligent contract are operate in new agreement or system on block chain, and its object is to expand
The function of exhibition section block chain.The intelligent contract run on block chain 2.0 includes with the interaction of other contracts, makes decision, stores number
According to, send the business logics such as corresponding digital encryption currency.Contract is defined by founder, but it is executed and other are by contract
The service of offer all only depends on block chain 2.0 itself, as long as the chain that block chain 2.0 is safeguarded exists, they can be always
It is performed, only when contract is programmed there are self-destruction code, contract can just disappear.Contract itself includes to be stored in a spy on chain
Determine the code and data at address, corresponding contract is also a kind of presence of account, can be transmitted between contract account
Message can also execute the complete calculating of figure spirit.The execution of contract code relies on virtual machine designed in block chain 2.0, area
Each node can all run the virtual machine to run contract code in block chain.Thus with the block chain for supporting intelligent contract
Technology can have the complete consistent and quasi- of the transaction, block chain data do not intervened and trusted independent of third party
Really, the transactional that executes dependent on the robustness of distributed p 2 p, transaction, transaction be transparent to be changed, unified account book etc.
The advantages that.
In insurance industry, insurance company carries using scale of insuring as the insurer for providing insurance service, insures
Time absorbs risk, intermediary's identity of consumer's risk.It, can be by the mode for visiting neighbours when insurance company formulates underwriting policy
The personal information of insurant is understood to determine whether the expense accepted insurance and accepted insurance, such as the health and fitness information and credit of insurant
Information.
Insurance company formulates insurance policies by artificial mode, improves cost of labor, and will receive in the process artificial
On the other hand the influence of factor if insurer conceals passing medical history or promise breaking information, can bring risk to insurance company.
Summary of the invention
The embodiment of the present application provides a kind of insurance underwriting method and relevant device based on block chain, for utilizing intelligence
Contract automatically determines underwriting expense standard, reduces cost of labor.
In a first aspect, the embodiment of the present application provides a kind of insurance underwriting method based on block chain, this method comprises:
Block chain node device runs on block chain, and operation has intelligent contract simultaneously on the block chain, in the intelligence contract
With strategy of accepting insurance, the correspondence between different grades of insured reference information and different rules of accepting insurance is contained in the strategy of accepting insurance
Relationship.Block chain node device obtains the insured reference information of pre- insured object, the insured reference information refer to it is insured relevant
Information, the pre- insured object refer to the object for applying for participating insurance just in the block chain node device, which can be with
It is people, is also possible to business unit, this is not limited here.When the pre- insured object is people, which includes that life insurance is protected
Danger；
Block chain node device obtains strategy of accepting insurance；
Block chain node device determines the pre- insured object according to the pre- insured object of acquisition and insured relevant information
Target when insured is accepted insurance rule, the target accept insurance include in rule insured expense Freight Basis；
Block chain node device records and saves the target and accepts insurance rule to block chain.
In the embodiment of the present application, block chain node device obtain pre- insured object automatically to insured relevant information simultaneously
The calculating standard of premium is determined according to the information, block chain node device runs on block chain, has the characteristics that never delay machine, mention
The practicability of scheme is supplied.
According to first method, in the first embodiment of the embodiment of the present application first aspect, block chain node device is obtained
The insured reference information for taking pre- insured object includes:
Block chain node device determines the identity of the pre- insured object on block chain, and the identity is in block chain
Upper to be used for the unique identification pre- insured object, which can be ID card No., passport number, social credibility code etc.
Via the isometric system number generated after Hash operation；
Block chain node device obtains the insured reference information of the pre- insured object according to the identity on block chain.
In the embodiment of the present application, it is what the object in each block chain generated at random that identity, which is also possible to block chain,
A string of isometric system numbers, the information of the object is all identified with the system number in block chain.
According to the first embodiment of first aspect, in second of embodiment of the embodiment of the present application first aspect,
Before the insured reference information that block chain node device obtains pre- insured object further include:
Block chain node device generates the unique identity of the pre- insured object on block chain；
The identity of the pre- insured object and insured reference information are packaged together by block chain node device, and upload
Into block chain.
In the embodiment of the present application, insured reference information can be obtained by block chain node device from block chain or internet
It takes.When insured information is obtained from block chain, identity can not have to regenerate, and use this in block chain pre- insured right
As existing identity, when insured reference information is obtained by internet, and the pre- insured object is not yet established in block chain
When identity, then block chain node device can generate the identity in block chain for the pre- insured object.
According to the first embodiment of first aspect, in the third embodiment of the embodiment of the present application first aspect,
Block chain node device records and saves target rule of accepting insurance
The identity of the pre- insured object and the target rule of accepting insurance are packaged together by block chain node device, and remember
It records in block chain.
In the embodiment of the present application, block chain node device by the identity of pre- insured object and target accept insurance rule envelope
Be fitted together and be recorded in block chain, with facilitate it is subsequent be called, improve the realizability of scheme.
According to appointing in the third embodiment of the first embodiment of first aspect, first aspect to first aspect
A kind of embodiment in the 4th kind of embodiment of the embodiment of the present application first aspect, includes pre- ginseng in the insured reference information
The history information for protecting object, when in the insured information including the history information of pre- insured object, block chain node device is determined
The target of pre- insured object when insured rule of accepting insurance includes:
Block chain node device is according to the health degree of the pre- insured object in insured reference information, it is determined whether receives
The insured request of the pre- insured object, and receive after insured request the corresponding premium computation rule of the pre- insured object, the guarantor
Expense computation rule is to be floated, lowered or remained unchanged in preset premium expense standard.
In the embodiment of the present application, life-insurance accept insurance is illustrated, it is notable that insured with reference to letter
Breath includes but is not limited to history information, and the credit worthiness that can also integrate pre- insured object decides whether to receive the pre- insured object
Insured request.
According to appointing in the third embodiment of the first embodiment of first aspect, first aspect to first aspect
A kind of embodiment in the 5th kind of embodiment of the embodiment of the present application first aspect, includes pre- ginseng in the insured reference information
The reference information for protecting object, when in the insured information including the reference information of pre- insured object, block chain node device is determined
The target of pre- insured object when insured rule of accepting insurance includes:
Block chain node device is according to the credit worthiness of the pre- insured object in insured reference information, it is determined whether receiving should
The insured request of pre- insured object, and receive after insured request the corresponding premium computation rule of the pre- insured object, the premium
Computation rule is operation of being floated, lowered or remained unchanged in preset premium expense standard.
In the embodiment of the present application, accepting insurance for banking and insurance business is illustrated, it is notable that insured with reference to letter
Breath includes but is not limited to history information, and the business information that can also integrate pre- insured object decides whether to receive the pre- insured object
Insured request.
According to appointing in the third embodiment of the first embodiment of first aspect, first aspect to first aspect
A kind of embodiment, in the 6th kind of embodiment of the embodiment of the present application first aspect, which includes dangerous information, should
Information of being in danger includes the rate of being in danger of the insured object, block chain node device according to the pre- insured object of acquisition to it is insured related
Information, determine that the target of pre- insured object when insured rule of accepting insurance includes:
Block chain node device determines that the target of the pre- insured object is accepted insurance rule according to information of being in danger, for life insurance
And banking and insurance business, this be in danger information by insured reference information health degree and credit worthiness obtain by probability calculation.
In the embodiment of the present application, different according to the insurance type of pre- insured object application, the block chain node device is suitable
Insurance business type is not also identical, which includes but is not limited to that life insurance is accepted insurance, banking and insurance business is held
Protect etc..
Second aspect, the embodiment of the present application provide a kind of block chain node device, which executes such as
Method described in aforementioned first aspect, the block chain node device include:
First obtains module, for obtaining the insured reference information of pre- insured object；
Second obtains module, for for obtaining strategy of accepting insurance, which to be recorded in area in the form of intelligent contract
In block chain, which includes the corresponding relationship between different grades of insured reference information and different rules of accepting insurance；
Determining module, for according to the corresponding pass between the different grades of insured reference information and different rules of accepting insurance
System determines that corresponding with the insured reference information of pre- insured object target is accepted insurance rule；
Logging modle is accepted insurance rule for recording the target.
In the embodiment of the present application, the insured reference information being recorded in block chain has the characteristics that distort, and utilizes
The rule of accepting insurance that the insured reference information determines, relative to the mode of manual research, with more credibility.
According to second aspect, in the first embodiment of the embodiment of the present application second aspect, this first obtains module packet
It includes:
Determination unit, for determining the unique identity of the pre- insured object on the block chain, which can
To be obtained by the ID card No. or passport number of the pre- insured object via Hash operation；
Acquiring unit, for obtaining the insured reference information of the pre- insured object according to the identity.
In the embodiment of the present application, insured ginseng is obtained by identity of the pre- insured object of determination on block chain
Information is examined, the realizability of scheme is increased.
According to the first embodiment of second aspect, in second of embodiment of the embodiment of the present application second aspect,
The equipment further include:
Generation module, for generating the unique identity of the pre- insured object on the block chain；
Uploading module, for the block will to be uploaded to after the identity of the pre- insured object and the encapsulation of insured reference information
Chain.
In the embodiment of the present application, it when pre- insured object does not exist in block chain, needs by uploading module from internet
It obtains the insured reference information of pre- insured object and is uploaded to block chain.
The third aspect, the embodiment of the present application provides a kind of computer readable storage medium, including instruction, when it is being calculated
When being run on machine, so that computer executes the method such as first aspect.
Fourth aspect, the embodiment of the present application provide a kind of computer program product comprising instruction, when it is in computer
When upper operation, so that computer executes the method such as first aspect.
As can be seen from the above technical solutions, the embodiment of the present application has the advantage that
The embodiment of the present application is by obtaining personal information of the insurant on block chain, using preset in intelligent contract
Rule determines underwriting expense standard, reduces the influence of human factor, while reducing cost of labor.
Detailed description of the invention
Fig. 1 is the structural schematic diagram of block chain node device provided by the embodiments of the present application；
Fig. 2 is a kind of flow diagram of the insurance underwriting method provided by the embodiments of the present application based on block chain；
Fig. 3 is one embodiment schematic diagram of block chain node device provided by the embodiments of the present application；
Fig. 4 is another embodiment schematic diagram of block chain node device provided by the embodiments of the present application.
Specific embodiment
The embodiment of the present application provides a kind of insurance underwriting method and relevant device based on block chain, for automatically determining
Whether receiving is accepted insurance and premium computation rule.It is described in detail below.
Block chain technology is the intelligent peer-to-peer network using distributed data base identification, propagation and information-recording.He mentions
A common recognition initiative participation mechanism has been supplied to realize large-scale system cooperating in a manner of being completely dispersed with decentralization.Its
Has following core feature: decentralization, opening, independence, safety and anonymity.Block chain is used by a string
The data chunk that cryptography method generates is at each block head includes the cryptographic Hash of a upper block, is opened from original block
Beginning is linked to current block, forms block chain.The generation of each block can be gathered around by the supervision of the whole network, each node
There is the complete copy of data, forms huge block chain network between node and node.The data stored on block chain can not
It forges and distorts, it is open and clear, each account can be found on block chain, i.e. identity or block chain address is in history
The information that upper any point is recorded.
Intelligent contract is the computer program operated on block chain, can handle information, receives, stores and send valence
Value, the audit without any centralization mechanism is executed according to preset condition automatically.
The characteristics of according to above-mentioned block chain and intelligent contract, the structural representation of block chain node device in the embodiment of the present application
Figure is as shown in Figure 1.Wherein management user refers to formulate intelligent contract, and makes management adjustment to the block chain node device
User.For insured user, block chain node device can provide corresponding insured information for it, for pre- insured user, block
Chain node device can determine corresponding insured scheme for it.Interface layer is mainly responsible for the insured with reference to letter of the pre- insured user of acquisition
Breath, the health and fitness information including obtaining pre- insured object from hospital's medical records system obtain the credit of pre- insured object from credit investigation system
Information obtains other information insured that pre- insured user has participated in from insurance information shared platform.Data Layer is mainly used for depositing
The information of insured object and the information of the insurer, policy database of accepting insurance are used to store the conjunction being written in intelligent contract for storage
About content.
According to the description of the structure above to block chain node device, below in the embodiment of the present application based on block chain
Insurance underwriting method is described in detail, referring to Fig. 2, a kind of insurance underwriting based on block chain provided by the embodiments of the present application
The embodiment of method includes:
201, user's input is received.
In the embodiment of the present application, before receiving user's input, in intelligent contract should first with scheduled strategy of accepting insurance,
The strategy of accepting insurance includes the corresponding relationship between different grades of insured reference information and different rules of accepting insurance, and intelligent contract fortune
Capable platform can be ether mill, be also possible to other block platform chains with intelligent contract, specifically herein without limitation.
Block chain node device receives user's input, which can be pre- insured object itself, be also possible to pre- insured
The guardian of object or the legal representative of company, concrete foundation participate in the type of insurance and the pass of pre- insured object and the user
Depending on system.As long as the user is to pass through safety verification, such as proves the pass with pre- insured object by way of verifying its code key
System, then block chain node device thinks that the insured request of the user is legal.The user at least needs to input verifying own identification
The identity information of information and pre- insured object.For life insurance, above- mentioned information are mainly ID card information, passport letter
The information to identify residential identity such as breath, for banking and insurance business field, which includes the information such as social credibility code.
202, determine whether identity is located at block chain.
Block chain node device can carry out the identity information of pre- insured object true after demonstrating input legitimacy
To recognize, concrete mode can be, if in step 201, having had input identification information of the pre- insured object on block chain,
The identity information is usually showed with the format of base58, such as 1k7DVUNnXw5dsFcNitWpBQXURciguXoPUD, then block
Chain node device thinks that the pre- insured object is located at block chain.If the identity information of the pre- insured object of input is ID card No.
Etc. information, block chain node device judge that identification information that the number information generates after Hash operation whether there is in block
Chain.
203, insured reference information is obtained from block chain.
If judging that the identity information of pre- insured object has been positioned at block chain through block chain node device in step 202,
The insured reference information of pre- insured object can be then obtained from block chain, the information of the reference information and other objects presses record
Time arranged, be recorded in block, specifically, the temporal information that there is the block to generate for the block head of the block with
And the Hash value information of a upper block.Record the insured reference information of pre- insured object in block body.It should be with insured with reference to letter
Breath generally reaches block chain by the generation side of information, such as the electronic medical record system of hospital accesses block chain, by the case history of patient
Information is uploaded to block chain, and social credit system accesses block chain, the reference information that reference information provides is uploaded to block chain,
Vehicle acquisition price is uploaded to block chain by car dealer.The insured reference information can also be mentioned by the user in step 201
For, for the privacy for guaranteeing insured reference information, the public key which can be provided using block chain node device into
It is uploaded to block chain after row encryption, block chain node device is decrypted when obtaining the insured reference information using private key.
When the insured life insurance of pre- insured object, insured reference information is mainly pre- insured object history information, occupation
Incidence relation between the contingency and pre- insured insurance kind of information, recent contingency information and generation.When pre- insured
When the insured banking and insurance business of object, insured reference information mainly includes financial information, social credibility information etc..The embodiment of the present application mentions
The applicable insurance kind type of the block chain node device of confession includes but is not limited to above two insurance type, in addition, insured with reference to letter
It at least should also include the information that pre- insured object was already engaged in insurance in breath.
204, identity is generated.
If judging the identity information of pre- insured object not in block chain, area through block chain node device in step 202
Block chain node device generates the identity of pre- insured object according to the identity information of input, specifically can be by the identity information of input
Identical with the identity format of other objects in block chain character string is generated after Hash operation, using the character string as
Unique identity of the pre- insured object on block chain.
205, insured reference information is obtained from internet.
The identity of the pre- insured user is not present in block chain, therefore also there is no be identified with the identity
The insured reference information of storage is needed to obtain insured reference information from internet, can be mentioned by being linked into insured reference information
The interface of supplier obtains insured reference information.It is such as linked into the electronic medical record system or credit investigation system of hospital, above system is all
It is not linked into block chain, but corresponding interface is provided to block chain node device.
206, rule of accepting insurance is determined.
Block chain node device determines that target is accepted insurance rule according to the insured reference information of acquisition.Specifically, block chain link
Include a set of computation rule in point device, the rate of being in danger, and foundation can be calculated according to the medical record information of acquisition, reference information etc.
Probability method determines whether to receive this time to accept insurance, and after determining that receiving is this time accepted insurance, calculates corresponding charging regulation, as follows
It is for life-insurance rule list of accepting insurance shown in table 1.The calculating for rate of being wherein in danger and the type of the state of an illness and the frequency of generation
Etc. correlations.And preferential standard described in table, floating standard, refusal are accepted insurance standard etc., design parameter should be according to insurance company's essence
Calculation department calculates result and is formulated in detail.
Table 1
207, rule of accepting insurance is recorded.
Block chain node device is determining that above-mentioned target accepts insurance after rule, by the identity for object of accepting insurance in advance, step
The information of user in rapid 201 and the target of determination are accepted insurance rule, and target is accepted insurance the encapsulation such as information of the corresponding insurance kind of rule
It is sent in block chain together, waits miner's node to carry out packing to this information and be written in block.
After information is successfully written block, the user in step 201 can inquire specific letter by block chain node device
Breath.
In the embodiment of the present application, block chain node device obtains the mode for reference information of accepting insurance automatically in several ways
It determines rule of accepting insurance, improves the flexibility of scheme.
The block chain node device in the embodiment of the present application is described above, below in the embodiment of the present invention
Block chain node device 300 is introduced, as shown in figure 3, in the present embodiment block chain node device 300 one embodiment packet
It includes:
First obtains module 301, for obtaining the insured reference information of pre- insured object, it is preferable that first obtains module
301 obtain insured reference information from the block in block chain, when the insured reference information does not exist in block chain, first
The insured reference information can also be obtained from internet by obtaining module 301；
Second obtains module 302, and for obtaining strategy of accepting insurance, which is recorded in block in the form of intelligent contract
In chain, which includes the corresponding relationship between different grades of insured reference information and different rules of accepting insurance, such as automobile
Purchase the relationship of valence Yu vehicle insurance expense, the relationship between the relevant information of health and life insurance underwriting expense, individual's sign
Relationship etc. between letter information and the dangerous underwriting expense of finance；
Determining module 303, for according to the corresponding pass between different grades of insured reference information and different rules of accepting insurance
System determines that corresponding with the insured reference information of pre- insured object target is accepted insurance rule, which accepts insurance rule including holding
Whether Bao Fang receives the insured request of Client-initiated and receives the underwriting expense calculation after insured request, is specifically as follows
It is floated or is lowered relative to a certain price standard；
Logging modle 304 is accepted insurance rule for recording the target, i.e., the target that determining module 303 determines is accepted insurance rule
It is bundled to block, and is uploaded in block chain.
In the present embodiment, the first acquisition module 301 includes:
Determination unit 3010, for determining the unique identity of the pre- insured object on the block chain, the identity mark
Knowledge obtained by the ID card No. or passport number of the pre- insured object via Hash operation, operation result be a string it is isometric into
Number processed is usually showed with the format of base58；
Acquiring unit 3011 obtains single for obtaining the insured reference information of the pre- insured object according to the identity
Member 3011 as a result, inquire the block containing the mark in block chain, and obtains the information in the block by Hash operation.
In the present embodiment, block chain node device 300 further include:
Generation module 305, when the identity of pre- insured object is to be present in block chain, generation module 305 is for generating
The unique identity of the pre- insured object on the block chain, it is preferable that generate the identity and exist according to pre- insured object
Identity in reality, such as ID card No., passport number or identification of the vehicle etc.；
Uploading module 306, for this will to be uploaded to after the identity of the pre- insured object and the encapsulation of insured reference information
Block chain, so that insured reference information can be got from block chain when being in danger in the future.
In the embodiment of the present application, uploading module 306 in block chain for not finding pre- insured object identity mark institute
When corresponding insured reference information, the insured reference information is obtained from internet, improves the flexibility of scheme.
Another block chain node device 400 in the present embodiment is introduced below, as shown in figure 4, block chain node
Another embodiment of equipment 400 includes:
Processor 401, memory 402, bus and input-output apparatus 403；
The processor 401, the memory 402 and the input-output apparatus 403 are connect with the bus；
Processor 401 obtains the letter such as medical record information, reference information or vehicle acquisition price of target object by block chain
Breath, and the above- mentioned information of the target object are stored in memory 402；
Processor 401 determines that the corresponding target of the target object is accepted insurance rule according to intelligent contract and the insured reference information
Then, and by the rule of accepting insurance it is stored in memory 402, which includes strategy of accepting insurance；
Target rule of accepting insurance is uploaded to the block chain by processor 401；
Input-output apparatus 403 receives the information such as the pre- insured object of user's input.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit is drawn
Point, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components can
To combine or be desirably integrated into another system, or some features can be ignored or not executed.Another point, it is shown or beg for
The mutual coupling, direct-coupling or communication connection of opinion can be through some interfaces, the INDIRECT COUPLING of device or unit
Or communication connection, it can be electrical property, mechanical or other forms.
Unit may or may not be physically separated as illustrated by the separation member for this, show as unit
Component may or may not be physical unit, it can it is in one place, or may be distributed over multiple nets
On network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and when sold or used as an independent product,
It can store in a computer readable storage medium.Based on this understanding, the technical solution of the application substantially or
Person says that all or part of the part that contributes to existing technology or the technical solution can body in the form of software products
Reveal and, which is stored in a storage medium, including some instructions are with so that a computer is set
Standby (can be personal computer, server or the network equipment etc.) execute each embodiment this method of the application whole or
Part steps.And storage medium above-mentioned include: USB flash disk, mobile hard disk, read-only memory (read-only memory, ROM),
Random access memory (random access memory, RAM), magnetic or disk etc. be various to can store program code
Medium.
Above embodiments are only to illustrate the technical solution of the application, rather than its limitations；Although with reference to the foregoing embodiments
The application is described in detail, those skilled in the art should understand that: it still can be to aforementioned each implementation
Technical solution documented by example is modified or equivalent replacement of some of the technical features；And these modification or
Replacement, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of insurance underwriting method based on block chain, which is characterized in that the method is applied to block chain node device, institute
The method of stating includes:
Obtain the insured reference information of pre- insured object；
Acquisition is accepted insurance strategy, and the strategy of accepting insurance is recorded in block chain in the form of intelligent contract, and the strategy of accepting insurance includes
Corresponding relationship between different grades of insured reference information and different rules of accepting insurance；
According to the corresponding relationship between the different grades of insured reference information and different rules of accepting insurance, the determining and pre- ginseng
The corresponding target of insured reference information for protecting object is accepted insurance rule；
The target is recorded to accept insurance rule.
2. the method according to claim 1, wherein the insured reference information packet for obtaining pre- insured object
It includes:
Determine unique identity of the pre- insured object on the block chain；
The insured reference information of the pre- insured object is obtained according to the identity.
3. according to the method described in claim 2, it is characterized in that, the insured reference information for obtaining pre- insured object it
Before, the method also includes:
Generate unique identity of the pre- insured object on the block chain；
The block chain will be uploaded to after the identity of the pre- insured object and the encapsulation of insured reference information.
4. according to the method described in claim 2, the target rule of accepting insurance that records includes:
The identity of the pre- insured object and the target are accepted insurance after rule encapsulates, the block chain is recorded.
5. according to claim 1 to any method in 4, which is characterized in that the insured reference information includes medical history letter
Breath, the corresponding relationship according between the different grades of insured reference information and different rules of accepting insurance, determine with it is described
The corresponding target of insured reference information of pre- insured object is accepted insurance rule, comprising:
It is determining and the pre- insured object according to the corresponding relationship between different grades of history information and different rules of accepting insurance
The corresponding target of history information is accepted insurance rule, the target accept insurance rule accept insurance comprising refusal or with the pre- insured object
The corresponding premium computation rule of history information.
6. according to claim 1 to any method in 4, which is characterized in that the insured reference information includes reference letter
Breath, the corresponding relationship according between the different grades of insured reference information and different rules of accepting insurance, determine with it is described
The corresponding target of insured reference information of pre- insured object is accepted insurance rule, comprising:
It is determining and the pre- insured object according to the corresponding relationship between different grades of reference information and different rules of accepting insurance
The corresponding target of reference information is accepted insurance rule, the target accept insurance rule accept insurance comprising refusal or with the pre- insured object
The corresponding premium computation rule of reference information.
7. according to claim 1 to any method in 4, which is characterized in that the insured reference information includes the letter that is in danger
Breath, the corresponding relationship according between the different grades of insured reference information and different rules of accepting insurance, determine with it is described
The corresponding target of insured reference information of pre- insured object is accepted insurance rule, comprising:
It is determining and the pre- insured object according to the different grades of corresponding relationship being in danger between information and different rules of accepting insurance
The corresponding target of information of being in danger is accepted insurance rule, the target accept insurance rule accept insurance comprising refusal or with the pre- insured object
The corresponding premium computation rule of information of being in danger.
8. a kind of block chain node device, which is characterized in that the equipment includes:
First obtains module, for obtaining the insured reference information of pre- insured object；
Second obtains module, and for obtaining strategy of accepting insurance, the strategy of accepting insurance is recorded in block chain in the form of intelligent contract,
The strategy of accepting insurance includes the corresponding relationship between different grades of insured reference information and different rules of accepting insurance；
Determining module, for according to the corresponding relationship between the different grades of insured reference information and different rules of accepting insurance,
Determine that corresponding with the insured reference information of pre- insured object target is accepted insurance rule；
Logging modle is accepted insurance rule for recording the target.
9. a kind of block chain node device, which is characterized in that the equipment includes:
Memory, for storing computer program；
Processor realizes method and step as described in any one of claim 1 to 7 when for executing the computer program.
10. a kind of computer readable storage medium, which is characterized in that be stored with the side of accepting insurance in the computer readable storage medium
The instruction of method, when run on a computer, so that computer executes any method of the claims 1-7.
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| CN201810846137.7A CN109003192A (en) | 2018-07-27 | 2018-07-27 | A kind of insurance underwriting method and relevant device based on block chain |
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| CN201810846137.7A CN109003192A (en) | 2018-07-27 | 2018-07-27 | A kind of insurance underwriting method and relevant device based on block chain |
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