CN109191315A - Insurance mutual aid method, device, medium and electronic equipment based on block chain - Google Patents
Insurance mutual aid method, device, medium and electronic equipment based on block chain Download PDFInfo
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- CN109191315A CN109191315A CN201810960069.7A CN201810960069A CN109191315A CN 109191315 A CN109191315 A CN 109191315A CN 201810960069 A CN201810960069 A CN 201810960069A CN 109191315 A CN109191315 A CN 109191315A
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- insurance
- mutual assistance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The embodiment of the invention provides a kind of insurance mutual aid method, device, medium and electronic equipments based on block chain, and being somebody's turn to do the insurance mutual aid method based on block chain includes: to establish insurance mutual assistance object set, and the set insures mutual assistance objects including at least two；The history settlement of insurance claim information that mutual assistance object is respectively insured in the set and current information of insuring are uploaded to block chain；Mutual-aid team is insured according to the history settlement of insurance claim information matches of each insurance mutual assistance object, wherein respectively insurance mutual-aid team includes the first insurance mutual assistance object and the second insurance mutual assistance object；According to the information of currently insuring of the first insurance mutual assistance object and the second insurance mutual assistance object, at least partly insurance amount of the first insurance mutual assistance object is transferred into the second insurance mutual assistance object.The technical solution of the embodiment of the present invention provides a kind of novel insurance mutual aid method realized by block chain technology.
Description
Technical field
The present invention relates to Internet technical fields, in particular to a kind of insurance mutual aid method based on block chain, dress
It sets, medium and electronic equipment.
Background technique
With technology and expanding economy, more and more families possess a more than automobile, more flourishing in economy
City, or even each own automobile of each kinsfolk is developed to, or even the kinsfolk having possesses more automobiles.And according to
Relevant laws and regulations, kinsfolk need the automobile held to it to insure.
Automobile insurance, that is, car insurance (abbreviation vehicle insurance), refers to motor vehicles due to natural calamity or contingency
A kind of business insurance of the caused negative liability to pay compensation of personal injury or property loss, is with motor vehicles itself and its third party
Responsibility etc. is a kind of Vehicle Risk of insurance subject.Its policy holder mainly possesses the legal person of various automotives
Organization and individual；Its insurance subject, mainly various types of automobiles, but also including special-purpose vehicles such as electric car, battery trucks and rub
Motorcycle etc..
It is only to distribute single guarantor for single client or single amount automobile but when present insurance company commences business
It is single, for the more automobiles that as unit of family, possess the kinsfolk while insurance service can not be carried out, also can not just mentioned
For the different differentiated service gone together with vehicle insurance.
It should be noted that information is only used for reinforcing the reason to background of the invention disclosed in above-mentioned background technology part
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The embodiment of the present invention is designed to provide a kind of insurance mutual aid method, device, medium and electricity based on block chain
Sub- equipment, and then overcome not providing in the related technology for the more than one piece article that group possesses at least to a certain extent and insure collaboration
The problem of mutual assistance scheme.
Other characteristics and advantages of the invention will be apparent from by the following detailed description, or partially by the present invention
Practice and acquistion.
According to one aspect of the disclosure, a kind of insurance mutual aid method based on block chain is provided, comprising: it is mutual to establish insurance
Object set is helped, the set includes at least two insurance mutual assistance objects；The history of mutual assistance object will be respectively insured in the set
Settlement of insurance claim information and information of currently insuring are uploaded to block chain；According to the history settlement of insurance claim information of each insurance mutual assistance object
With insurance mutual-aid team, wherein respectively insurance mutual-aid team includes the first insurance mutual assistance object and the second insurance mutual assistance object；According to described
The information of currently insuring of first insurance mutual assistance object and the second insurance mutual assistance object, by the first insurance mutual assistance object
At least partly insurance amount transfers the second insurance mutual assistance object.
In a kind of exemplary embodiment of the disclosure, according to the history settlement of insurance claim information matches of each insurance mutual assistance object
Insure mutual-aid team, comprising: the score value of each insurance mutual assistance object is calculated according to the history settlement of insurance claim information of each insurance mutual assistance object；
Each insurance mutual assistance object is ranked up according to score value；The first insurance mutual assistance object and second are insured into mutual assistance according to ranking results
Object is matched, and insurance mutual-aid team is obtained.
In a kind of exemplary embodiment of the disclosure, each history settlement of insurance claim information for insuring mutual assistance object includes each guarantor
The accumulation policy accident number and accumulation policy amount for which loss settled of dangerous mutual assistance object.
In a kind of exemplary embodiment of the disclosure, it is calculated using the following equation the score value of each insurance mutual assistance object:
Score (i)=10- (w1*Ni+w2*Qi),
Wherein, i=1 in above-mentioned formula, 2 ..., n, wherein n is the insurance mutual assistance number of objects in the set；score
It (i) is the score value of i-th of insurance mutual assistance object；Ni is the accumulation insurance risk number of i-th of insurance mutual assistance object；Qi is i-th
The accumulation settlement of insurance claim amount of money of a insurance mutual assistance object；W1 and w2 is coefficient.
In a kind of exemplary embodiment of the disclosure, the first insurance mutual assistance object and second are insured according to ranking results
Mutual assistance object is matched, and insurance mutual-aid team is obtained, comprising: is obtained multiple combinations collection according to ranking results, is wrapped in each combination of sets
Multiple combinations are included, include at least two insurance mutual assistance objects in each combination；Calculate the insurance mutual assistance respectively combined in each combination of sets
The poor quadratic sum of the score value of object；By the maximum of the poor quadratic sum of the score value of the insurance mutual assistance object respectively combined in each combination of sets
It is worth the combination in corresponding combination of sets as matched insurance mutual-aid team.
It is mutual according to the first insurance mutual assistance object and second insurance in a kind of exemplary embodiment of the disclosure
At least partly insurance amount of the first insurance mutual assistance object is transferred described second and protected by the information of currently insuring for helping object
Dangerous mutual assistance object, comprising: the information of currently insuring of mutual assistance object is insured according to the first insurance mutual assistance object and described second,
It obtains the first insurance mutual assistance object and described second and insures insuring the intersection phase for mutual assistance object；It insures the intersection phase described,
First predetermined ratio of unused portion in the insurance amount of the first insurance mutual assistance object is transferred into second insurance
Mutual assistance object.
In a kind of exemplary embodiment of the disclosure, the insurance mutual aid method further include: according to first insurance
The information of insuring next time of mutual assistance object and the second insurance mutual assistance object obtains the first insurance mutual assistance object and described
Second insurance mutual assistance object is insured the intersection phase next time；It insures next time the intersection phase described, by the second insurance mutual assistance
The second predetermined ratio in the Claims Resolution abatement amount of object transfers the first insurance mutual assistance object.
According to one aspect of the disclosure, a kind of insurance mutual aid device based on block chain is provided, comprising: set establishes mould
Block is configured to establish insurance mutual assistance object set, and the set includes at least two insurance mutual assistance objects；Information storage module,
The history settlement of insurance claim information and current information of insuring for being configured to respectively insure mutual assistance object in the set are uploaded to block chain；
Mutual assistance matching module is configured to insure mutual-aid team according to the history settlement of insurance claim information matches of each insurance mutual assistance object, wherein respectively
Insuring mutual-aid team includes the first insurance mutual assistance object and the second insurance mutual assistance object；Amount transfers the possession of module, is configured to according to
The information of currently insuring of first insurance mutual assistance object and the second insurance mutual assistance object, by the first insurance mutual assistance object
At least partly insurance amount transfers the second insurance mutual assistance object.
According to one aspect of the disclosure, a kind of computer-readable medium is provided, computer program is stored thereon with, it is described
The insurance mutual aid method described in any of the above-described embodiment based on block chain is realized when program is executed by processor.
According to one aspect of the disclosure, a kind of electronic equipment is provided, comprising: one or more processors；Storage device,
For storing one or more programs, when one or more of programs are executed by one or more of processors, so that
One or more of processors realize the insurance mutual aid method described in any of the above-described embodiment based on block chain.
Technical solution provided in an embodiment of the present invention can include the following benefits:
In the technical solution provided by some embodiments of the present invention, by the way that same insurance mutual assistance object set will be in
In multiple insurance mutual assistance objects history settlement of insurance claim information and information of currently insuring be uploaded to block chain and stored, can be with
Guarantee the reliability of information；At the same time it can also be believed based on the history settlement of insurance claim of each insurance mutual assistance object stored in block chain
Breath is automatic to match two insurance mutual assistance objects two-by-two, and insures mutual assistance object for one in matched two insurance mutual assistance objects
At least partly protection amount in information of currently insuring transfers another insurance mutual assistance object, so as to realize that insurance collaboration is mutual
It helps, provides better insurance service for policy holder, increase the competitiveness of insurance company.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
It can the limitation present invention.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows and meets implementation of the invention
Example, and be used to explain the principle of the present invention together with specification.It should be evident that the accompanying drawings in the following description is only the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.In the accompanying drawings:
Fig. 1 diagrammatically illustrates the process of the insurance mutual aid method according to an embodiment of the invention based on block chain
Figure；
Fig. 2 diagrammatically illustrates the flow chart of one embodiment of the step S130 in Fig. 1；
Fig. 3 diagrammatically illustrates the flow chart of one embodiment of the step S140 in Fig. 1；
Fig. 4 diagrammatically illustrates the stream of the insurance mutual aid method based on block chain of still another embodiment in accordance with the present invention
Cheng Tu；
Fig. 5 diagrammatically illustrates the frame of the insurance mutual aid device according to an embodiment of the invention based on block chain
Figure；
Fig. 6 diagrammatically illustrates the block diagram of one embodiment of the module 530 in Fig. 5；
Fig. 7 diagrammatically illustrates the frame of the insurance mutual auxiliary system according to an embodiment of the invention based on block chain
Figure；
Fig. 8 shows the structural schematic diagram for being suitable for the computer system for the electronic equipment for being used to realize the embodiment of the present invention.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the present invention will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to the embodiment of the present invention.However,
It will be appreciated by persons skilled in the art that technical solution of the present invention can be practiced without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy each aspect of the present invention.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Fig. 1 diagrammatically illustrates the process of the insurance mutual aid method according to an embodiment of the invention based on block chain
Figure, the executing subject for being somebody's turn to do the insurance mutual aid method based on block chain can be the equipment with calculation processing function, such as server
Deng.
As shown in Figure 1, the insurance mutual aid method based on block chain that embodiment of the present invention provides may include following step
Suddenly.
In step s 110, insurance mutual assistance object set is established, the set includes at least two insurance mutual assistance objects.
Insurance mentioned in the embodiment of the present invention is primarily referred to as all kinds of property insurances, in the following embodiments with vehicle
It is illustrated for danger, but the present invention is not limited to this.
It may include that multiple kinsfolks of one family gather around in the insurance mutual assistance object set in the embodiment of the present invention
More automobiles having.
For example, the kinsfolk A in some family is registered in systems, and by its father, mother, son, daughter, brother
The relevant information typing of brother, elder sister, younger brother, younger sister et al. and the more automobiles of oneself forms an insurance into the system
Mutual assistance object set.
It should be noted that kinsfolk designated herein can be an extensive restriction, such as it can also be registration
The friend of personnel, colleague et al..
In the step s 120, by the history settlement of insurance claim information for respectively insuring mutual assistance object in the set and current letter of insuring
Breath is uploaded to block chain.
In the exemplary embodiment, respectively the history settlement of insurance claim information of insurance mutual assistance object may include each insurance mutual assistance pair
The accumulation policy accident number and accumulation policy amount for which loss settled of elephant.In other embodiments, respectively the history of insurance mutual assistance object is protected
Claims Resolution information in danger can also include time of each insurance risk, place, the delimitation etc. of liability accident other relevant informations.
In the exemplary embodiment, respectively the information of currently insuring of insurance mutual assistance object can be in term of an insurance policy
The information of insuring of interior each insurance mutual assistance object, the information of insuring may include insurance company, insurance coverage, insurance amount,
Insurance premium, claim provision and valid period etc..
For example, A is by its father, mother, son, daughter, elder brother, elder sister, younger brother, younger sister et al. and the more vapour of oneself
Insurance company that the car insurance of vehicle is insured, insurance coverage, insurance amount, insurance premium, claim provision, valid period, automobile
The information such as accident, settlement of insurance claim are uploaded to block chain, and the automobile of the more automobiles of above-mentioned kinsfolk is stored by block chain
The history settlement of insurance claim information of insurance and currently insure information, may be implemented information storage secret protection, it is open and clear, can chase after
It traces back and can not distort.
In the embodiment of the present invention, the car insurance of the more automobiles of above-mentioned kinsfolk is stored using block chain technology
History settlement of insurance claim information and information of currently insuring, the chain transaction data structure and encryption that can use block chain Hash pointer are learned
Hash calculation and encryption learn digital signature mechanism realize information storage reliability and be not easy tamper, by multi-level
Evidence approval realizes the trust problem between Different Individual.
In step s 130, mutual-aid team is insured according to the history settlement of insurance claim information matches of each insurance mutual assistance object, wherein
Each insurance mutual-aid team includes the first insurance mutual assistance object and the second insurance mutual assistance object.
It should be noted that respectively being not limited to only include two insurance mutual assistance objects in insurance mutual-aid team, insure in mutual-aid team
Insurance mutual assistance number of objects this is not limited by the present invention, 2, for example, 3 or above insurance mutual assistance can be greater than
Object.In the following embodiments, it is illustrated for insuring two in mutual-aid team insurance mutual assistance objects.
The method that the embodiment of the present invention proposes, it is more between kinsfolk to may be implemented safe driving zero defects positive incentive
Car insurance insure validity period the intersection phase in cooperate with mutual assistance management, insured according to more automobiles of the kinsfolk in block chain
With the data of Claims Resolution, the scheme of the more car insurances collaboration mutual assistance of the kinsfolk optimized is searched and identified automatically to system.
In step S140, insured according to the first insurance mutual assistance object and the current of the second insurance mutual assistance object
At least partly insurance amount of the first insurance mutual assistance object is transferred the second insurance mutual assistance object by information.
In the embodiment of the present invention, according to the current throwing of the first insurance mutual assistance object and the second insurance mutual assistance object
At least partly insurance amount of the first insurance mutual assistance object is transferred the second insurance mutual assistance object by breath information-preserving, can
To include: currently insuring information according to the first insurance mutual assistance object and the second insurance mutual assistance object, described in acquisition
First insurance mutual assistance object and described second insures insuring the intersection phase for mutual assistance object；It insures the intersection phase described, by described
The first predetermined ratio of unused portion transfers the second insurance mutual assistance object in the insurance amount of one insurance mutual assistance object.
For example, the guarantor of the vehicle of insuring the intersection phase in more automobiles, the zero defects of certain kinsfolk and zero Claims Resolution to insure
A part of its not used amount such as 1/8 can be transferred the insurance amount of the automobile of its specified assisted party by volume.
In the embodiment of the present invention, the insurance mutual aid method can also include: according to it is described first insurance mutual assistance object and
The information of insuring next time of the second insurance mutual assistance object, obtains the first insurance mutual assistance object and second insurance is mutual
Help insuring next time the intersection phase for object；It insures next time the intersection phase described, by the Claims Resolution of the second insurance mutual assistance object
The second predetermined ratio in abatement amount transfers the first insurance mutual assistance object.
For another example proposing that a part such as 1/2 of assisted party offer can be enjoyed by transferring the possession of the member assisted next time
Claims Resolution abatement amount, thus favorably promote block chain technical application family's car insurance cooperate with mutual assistance management aspect.
The insurance mutual aid method based on block chain that embodiment of the present invention provides, by the way that same insurance mutual assistance pair will be in
As the history settlement of insurance claim information of multiple insurance mutual assistance objects in set and current information of insuring are uploaded to block chain and are deposited
Storage, it is ensured that the reliability of information；At the same time it can also be insured based on the history of each insurance mutual assistance object stored in block chain
Information of settling a claim matches two insurance mutual assistance objects two-by-two automatically, and by an insurance mutual assistance in matched two insurances mutual assistance object
At least partly protection amount in the information of currently insuring of object transfers another insurance mutual assistance object, so as to realize insurance association
Same mutual assistance provides better insurance service for policy holder, increases the competitiveness of insurance company.As block chain technology is in individual
The extensive use of the multiple fields such as collaboration mutual assistance management, health, finance, logistics is insured with domestic automobile, which will bring
Considerable economic benefit and social benefit.
Fig. 2 diagrammatically illustrates the flow chart of one embodiment of the step S130 in Fig. 1.
As shown in Fig. 2, the step S130 that embodiment of the present invention provides may comprise steps of.
In step S131, each insurance mutual assistance object is calculated according to the history settlement of insurance claim information of each insurance mutual assistance object
Score value.
In some embodiments, the score value of each insurance mutual assistance object can be calculated using the following equation:
Score (i)=10- (w1*Ni+w2*Qi) (1)
Wherein, i=1 in above-mentioned formula, 2 ..., n, wherein n is the insurance mutual assistance number of objects in the set, and n is big
In the positive integer for being equal to 2；Score (i) is the score value of i-th of insurance mutual assistance object；Ni is the accumulation of i-th of insurance mutual assistance object
Insurance risk number；Qi is the accumulation settlement of insurance claim amount of money of i-th of insurance mutual assistance object；W1 and w2 is coefficient.
If when N=0, Q=0, then dividing for full marks 10.
Wherein, the two coefficients of w1 and w2 are smaller than 1 decimal, and under normal circumstances, w1 > > w2, this will be according to specific
Situation (value interval of N and Q) determines, it is ensured that score value is positive integer.
It should be noted that the formula (1) of the score value of above-mentioned each insurance mutual assistance object of calculating is only one for example, originally
It's not limited to that for invention.
In step S132, each insurance mutual assistance object is ranked up according to score value.
In step S133, the first insurance mutual assistance object and second are insured into the progress of mutual assistance object according to ranking results
Match, obtains insurance mutual-aid team.
In the exemplary embodiment, the first insurance mutual assistance object can have the first score value, and second insurance is mutual
Object is helped to can have the second score value, wherein first score value can be greater than second score value, it can by the guarantor of high score
Dangerous mutual assistance object is matched with low point of insurance mutual assistance object, forms an insurance mutual-aid team.But the present invention is not limited to
The identical two insurances mutual assistance object of score value can also be matched in other embodiments, form an insurance mutual assistance by this
Group, such as one family member, vehicle was not always opened before, that is for the automobile that it possesses, due to not having
There is history settlement of insurance claim information, then the automobile of the kinsfolk can obtain a higher score value, such as full marks 10 divide, but real
The probability that the automobile of the kinsfolk is in danger on border is larger, the kinsfolk and another high score can be for example similarly 10 at this time
The automobile of the kinsfolk divided matches.
In some embodiments, the first insurance mutual assistance object and second are insured into the progress of mutual assistance object according to ranking results
Match, obtain insurance mutual-aid team, may include: to obtain multiple combinations collection according to ranking results, include multiple combinations in each combination of sets,
It include at least two insurance mutual assistance objects in each combination；Calculate the score value of the insurance mutual assistance object respectively combined in each combination of sets
Poor quadratic sum；By the corresponding combination of maximum value of the poor quadratic sum of the score value of the insurance mutual assistance object respectively combined in each combination of sets
The combination of concentration is as matched insurance mutual-aid team.
For example, first, it is assumed that an insurance mutual assistance object set S has a, b, c, tetra- automobiles of d, according to above-mentioned formula
(1) calculating and obtaining the score value of this four automobiles is respectively score (a), score (b), score (c) and score (d).Then, right
The score value of this four automobiles is arranged according to descending from high to low, it is assumed that score (a) > score (b) > score (c) > score (d),
Score value higher a and b can then be matched with score value lower c and d at this time, it can be there are two types of combination:
The first combination of sets: ac is in an insurance mutual assistance combination, and bd is in an insurance mutual assistance combination；
Second of combination of sets: ad is in an insurance mutual assistance combination, and bc is in an insurance mutual assistance combination.
It, can be in the hope of the score value of the insurance mutual assistance object respectively combined in the first combination of sets in the first above-mentioned combination of sets
Poor quadratic sum d1=SUM [(score (a)-score (c)) ^2+ (score (b)-score (d)) ^2]；At above-mentioned second group
It, can be in the hope of the poor quadratic sum d2=SUM of the score value of the insurance mutual assistance object respectively combined in the second combination of sets in intersection
[(score (a)-score (d)) ^2+ (score (b)-score (c)) ^2], seek later maximum value max (d) in d1 and d2=
Max (d1, d2), it is assumed that d1 is greater than d2, then finally uses the first combination of sets, i.e., it is mutual automobile a and automobile c to be carried out insurance collaboration
It helps, automobile a can be in the car insurance contract life and not by the certain proportion for the insurance amount that a is used and transfer vapour
Vehicle c；Automobile b and automobile d are subjected to insurance collaboration mutual assistance, automobile b can be in the car insurance contract life and not by b
The certain proportion of the insurance amount used transfers automobile d.
The specific implementation of each step is referred to above-mentioned embodiment illustrated in fig. 1 in the embodiment of the present invention, no longer superfluous herein
It states.
Fig. 3 diagrammatically illustrates the flow chart of one embodiment of the step S140 in Fig. 1.
As shown in figure 3, the insurance mutual aid method based on block chain that embodiment of the present invention provides may include following step
Suddenly.
In step s 141, it is insured according to the first insurance mutual assistance object and the current of the second insurance mutual assistance object
Information obtains the first insurance mutual assistance object and described second and insures insuring the intersection phase for mutual assistance object.
For example, it is assumed that automobile a is the first insurance mutual assistance object, automobile c is the second insurance mutual assistance object, and automobile a is current
The car insurance contract life is on December 31,1 day to 2017 January in 2017, and automobile c current car insurance contract is effective
Phase is on June 1,1 day to 2017 June in 2016, then June 11 day to 2017 January in 2017 is the throwing of automobile a and automobile c
Protect the intersection phase.
It in step S142, insures the intersection phase, will not make in the insurance amount of the first insurance mutual assistance object described
The second insurance mutual assistance object is transferred with the first predetermined ratio of part.
In the embodiment of the present invention, first predetermined ratio can cooperate with mutual assistance agreement to carry out about according to prior insurance
It is fixed.
The technical principle of the technical solution of the embodiment of the present invention is elaborated in detail above and realizes details, below to the present invention
The concrete application scene of embodiment is illustrated.
Fig. 4 diagrammatically illustrates the stream of the insurance mutual aid method based on block chain of still another embodiment in accordance with the present invention
Cheng Tu.
As shown in figure 4, the insurance mutual aid method based on block chain that embodiment of the present invention provides may include following step
Suddenly.
In step S410, block chain node and block chain network are constructed.
In the embodiment of the present invention, step S410 is mainly responsible for building, update and maintenance mechanism and the area of block chain node
Building, update and the maintenance of block chain network.For example, be minimum block chain link point with base's operating agency of certain insurance pool, one
A or much insurance pools/company participates in domestic automobile insurance collaboration mutual assistance management transaction block chain network building.
In the step s 420, the data structure of information storage is defined.
In the embodiment of the present invention, it can be deposited according to data structure mode predetermined, information storage means and agreement
Storage and certification domestic automobile insurance mutual assistance management Transaction Information etc., to guarantee the high efficiency of information storage and information processing.
In the embodiment of the present invention, the input of one family car insurance collaboration mutual assistance management Transaction Information can be it is personal and
Insurance company that the more car insurances of kinsfolk (parent, parents-in-law, siblings, children etc.) are insured, insurance coverage, guarantor
Dangerous amount, insurance premium, claim provision, valid period, motor-vehicle accident, settlement of insurance claim, the public-key cryptography of related personnel and signature,
The output of one transaction can be the storage chain of the associated documents material of personal and domestic automobile insurance collaboration mutual assistance management transaction
It connects, optimization selection, relevant information access public-key cryptography (account address) of personnel etc..
In the embodiment of the present invention, the associated documents material may include insurance contract, the materials such as mutual insurance agreement.
In the embodiment of the present invention, relevant information access personnel, which can be, chartered to have a mind to that mutual assistance guarantor is added
The personnel or insurance company related personnel of dangerous network.One specific example is as shown in table 1 below:
Table 1
It should be noted that above table format is a kind of mode realized.
In step S430, the personal current throwing by the more car insurances of oneself and kinsfolk registered in systems
Breath information-preserving and history Claims Resolution information are uploaded to block chain.
In the embodiment of the present invention, the individual registered in systems is by oneself with kinsfolk (for example, parent, parents-in-law, brother
Younger brother sister, children etc.) more automobiles insure insurance company, insurance coverage, insurance amount, insurance premium, claim provision, have
During effect, motor-vehicle accident, the information such as settlement of insurance claim upload to block chain and are authenticated and stored.
For example, the third three people of the younger sister of the client's first registered in systems and its son's kinsfolk second and first shares three
Automobile is insured, then first needs the automobile by oneself and its son relatives and younger sister to insure information (including insurance company, insurance model
Enclose, insure the information such as amount, insurance premium, claim provision, valid period, motor-vehicle accident, settlement of insurance claim) it is uploaded to block chain,
After block chain entity authentication, stored.
In step S440, according in block chain individual and more automobiles of kinsfolk insure and settle a claim data, system
The scheme of the automatic more car insurances collaboration mutual assistance for searching and identifying the individual and kinsfolk that optimize.
In the embodiment of the present invention, according to the data that more automobiles of the kinsfolk in block chain insure and settle a claim, system is certainly
The scheme of the dynamic more car insurances collaboration mutual assistance for searching and identifying the individual and kinsfolk that optimize.
In the embodiment of the present invention, domestic automobile insurance collaboration mutual assistance management may be implemented safe driving zero defects forward direction and swash
Encourage the more car insurances between kinsfolk insure validity period the intersection phase in cooperate with mutual assistance management, according to the family in block chain
The data that more automobiles of front yard member insure and settle a claim, system search and identify that automatically the more automobiles of the kinsfolk optimized are protected
The scheme of danger collaboration mutual assistance, in insuring the intersection phase for more automobiles, the guarantor of the vehicle of the zero defects of certain member and zero Claims Resolution to insure
A part (such as 1/8) of its not used amount can be transferred the insurance amount of the automobile of its specified assisted party by volume,
It is proposed that the Claims Resolution deductible excess of a part (such as 1/2) that assisted party provides can be enjoyed by transferring the possession of the member assisted next time simultaneously
Degree, to effectively block chain technical application be promoted to cooperate with mutual assistance management aspect in family's car insurance.
It is again assumed that automobile a is the first insurance mutual assistance object, automobile c is the second insurance mutual assistance object, automobile a current vapour
Vehicle term of an insurance policy is on December 31,1 day to 2017 January in 2017, automobile c current car insurance contract life
For on June 1,1 day to 2017 June in 2016, then June 11 day to 2017 January in 2017 is insuring for automobile a and automobile c
The intersection phase.Meanwhile the protection amount of insuring of automobile a is 1,000,000, the protection amount of insuring of automobile c is 2,000,000, in above-mentioned 1 day January in 2017
To insuring the intersection phase between on June 1st, 2017, if automobile a there is no Claims Resolution, can by the 1000000 of automobile a multiplied by
1/8 protection amount transfers automobile b, the protection amount of automobile b become its own 2,000,000 plus automobile a transfer the possession of 1,000,000 multiplied by 1/8.
But it can only come into force when 2,000,000 protection amounts of automobile b itself have been completely used up and are unable to satisfy the reparation of needs here, i.e.,
Only when 2,000,000 protection amounts of automobile b itself, which have been completely used up, is still unable to satisfy reparation demand, automobile b could use automobile a
Its 1,000,000 are transferred multiplied by 1/8 protection amount.The agreement that this insured amount transfer will be related to insurance contract can just come into force, and
It is the validity for guaranteeing to implement in block chain network.This is a kind of a kind of mutual insurance side based on the innovation of block chain network
Formula.
For example, client A and its kinsfolk B, C, D respectively possess automobile a, b, c and d, insurance mutual assistance object set is constituted
It closes S={ a, b, c, d }.System can from block chain store information in inquire automatically each member vehicle occur traffic accident and
The case where settlement of insurance claim, and the score value of each automobile can be calculated according to above-mentioned formula (1).
For another example the score value of each automobile can also be calculated according to following formula:
Score (i)=w1*1/Ni+w2*1/Qi (3)
In above-mentioned formula (3), if when Ni=0, Qi=0, then score (i) is full marks.
It is the optimal mutual assistance matching of kinsfolk's progress (such as high score member and then according to the score value of each automobile in set S
It is matched with the low person of being divided into).
In the embodiment of the present invention, the domestic automobile insurance collaboration mutual assistance mode based on block chain is proposed, algorithm frame is such as
Under:
Input: client and its more car insurance mutual assistance set S=(x1, x2 ... xn) of kinsfolk's composition, the visitor
The number that traffic accident occurs for the more automobiles of family and its kinsfolk is respectively Ni (i=1,2 ..., n), and each automobile is accumulative
The settlement of insurance claim amount of money be respectively Qi (i=1,2 ..., n).
Output: the collaboration mutual assistance scheme d of more car insurances between kinsfolk
In step S450, assessment is personal and domestic automobile insures timeliness, the validity for cooperateing with mutual assistance management, optimizes
Individual and kinsfolk more car insurances collaboration mutual assistance scheme availability, constantly adjustment and optimization system parameter.
In the embodiment of the present invention, timeliness, the validity of assessment domestic automobile insurance collaboration mutual assistance management system are optimized
Individual and kinsfolk more car insurances collaboration mutual assistance scheme availability, constantly adjustment and optimization system parameter,
To realize the domestic automobile insurance collaboration mutual assistance management based on block chain network, to favorably block chain technical application be promoted to exist
Personal and domestic automobile insurance collaboration mutual assistance management aspect.
In the embodiment of the present invention, the main risk and return relationship between etc. for assessing mutual assistance collaboration insurance mechanism.It is cooperateed with and is protected according to mutual assistance
The assessment of the risk and return relationship between of dangerous mechanism carries out the adjustment of mutual assistance match parameter, such as calculates the parameter of the formula of matching score value,
Transfer the possession of insured amount limit etc..
It should be noted that the technical solution of the embodiment of the present invention and being applicable not only to carry out in above-mentioned car insurance
The scene of insurance mutual assistance based on block chain, and be readily applicable to need to carry out in property insurance environment based on area at other
The scene of the insurance mutual assistance of block chain.
It is mutual to can be used for executing the above-mentioned insurance based on block chain of the present invention for the device of the invention embodiment introduced below
Aid method.
Fig. 5 diagrammatically illustrates the frame of the insurance mutual aid device according to an embodiment of the invention based on block chain
Figure.
As shown in figure 5, the insurance mutual aid device 500 based on block chain that embodiment of the present invention provides may include set
It establishes module 510, information storage module 520, mutual assistance matching module 530 and amount and transfers the possession of module 540.
Wherein, set establishes module 510 and is configurable to establish insurance mutual assistance object set, and the set includes at least two
A insurance mutual assistance object.
Information storage module 520 is configurable to respectively insure the history settlement of insurance claim information of mutual assistance object in the set
Block chain is uploaded to information of currently insuring.
Mutual assistance matching module 530 is configurable to the history settlement of insurance claim information matches insurance according to each insurance mutual assistance object
Mutual-aid team, wherein respectively insurance mutual-aid team includes the first insurance mutual assistance object and the second insurance mutual assistance object.
Amount is transferred the possession of module 540 and is configurable to according to the first insurance mutual assistance object and the second insurance mutual assistance pair
It is mutual to be transferred second insurance by the information of currently insuring of elephant for at least partly insurance amount of the first insurance mutual assistance object
Help object.
In the exemplary embodiment, it may include: intersection phase obtaining unit that amount, which transfers the possession of module 540, and the intersection phase is obtained
Unit is obtained to be configurable to insure the information of currently insuring of mutual assistance object according to the first insurance mutual assistance object and described second,
It obtains the first insurance mutual assistance object and described second and insures insuring the intersection phase for mutual assistance object；Amount transfers the possession of unit, described
Amount transfers the possession of unit and is configurable to insure the intersection phase described, will not make in the insurance amount of the first insurance mutual assistance object
The second insurance mutual assistance object is transferred with the first predetermined ratio of part.
In the exemplary embodiment, the insurance mutual aid device 500 based on block chain can also include: the intersection phase to obtain mould
Block, the intersection phase obtain module and are configurable to according to the first insurance mutual assistance object and the second insurance mutual assistance object
Information of insuring next time, obtain it is described first insurance mutual assistance object and it is described second insurance mutual assistance object friendship of insuring next time
The fork phase；Abatement amount of settling a claim transfers the possession of module, and the Claims Resolution abatement amount transfers the possession of module and is configurable to insure next time described
The second predetermined ratio in the Claims Resolution abatement amount of the second insurance mutual assistance object is transferred first insurance by the intersection phase
Mutual assistance object.
Each functional module of insurance mutual aid device due to example embodiments of the present invention based on block chain with it is above-mentioned
The step of example embodiment of insurance mutual aid method based on block chain, is corresponding, therefore for not draping over one's shoulders in apparatus of the present invention embodiment
The details of dew please refers to the embodiment of the above-mentioned insurance mutual aid method based on block chain of the present invention.
Fig. 6 diagrammatically illustrates the block diagram of one embodiment of the module 530 in Fig. 5.
As shown in fig. 6, embodiment of the present invention provide mutual assistance matching module 530 may include score value computing unit 531,
Sequencing unit 532 and matching unit 533.
Wherein, score value computing unit 531 is configurable to the history settlement of insurance claim information meter according to each insurance mutual assistance object
Calculate the score value of each insurance mutual assistance object.
Sequencing unit 532 is configurable to for each insurance mutual assistance object being ranked up according to score value.
Matching unit 533 is configurable to that the first insurance mutual assistance object and second are insured mutual assistance object according to ranking results
It is matched, obtains insurance mutual-aid team.
In the exemplary embodiment, respectively the history settlement of insurance claim information of insurance mutual assistance object may include each insurance mutual assistance pair
The accumulation policy accident number and accumulation policy amount for which loss settled of elephant.
In the exemplary embodiment, the score value of each insurance mutual assistance object can be calculated using the following equation:
Score (i)=10- (w1*Ni+w2*Qi),
Wherein, i=1 in above-mentioned formula, 2 ..., n, wherein n is the insurance mutual assistance number of objects in the set；score
It (i) is the score value of i-th of insurance mutual assistance object；Ni is the accumulation insurance risk number of i-th of insurance mutual assistance object；Qi is i-th
The accumulation settlement of insurance claim amount of money of a insurance mutual assistance object；W1 and w2 is coefficient.
In the exemplary embodiment, matching unit 533 may further include: combination of sets obtains subelement, the combination
Collection obtains subelement and is configurable to obtain multiple combinations collection according to ranking results, includes multiple combinations, each group in each combination of sets
It include at least two insurance mutual assistance objects in conjunction；Poor quadratic sum computation subunit, the difference quadratic sum computation subunit can match
It is set to the poor quadratic sum for calculating the score value of the insurance mutual assistance object respectively combined in each combination of sets；Coupling subelement, the matching
Subelement is configurable to the maximum value pair of the poor quadratic sum of the score value of the insurance mutual assistance object respectively combined in each combination of sets
The combination in combination of sets answered is as matched insurance mutual-aid team.
In the exemplary embodiment, respectively the information of currently insuring of insurance mutual assistance object can be in term of an insurance policy
The information of insuring of interior each insurance mutual assistance object, including insurance company, insurance coverage, insurance amount, insurance premium, claim provision
And valid period etc..
Each functional module of insurance mutual aid device due to example embodiments of the present invention based on block chain with it is above-mentioned
The step of example embodiment of insurance mutual aid method based on block chain, is corresponding, therefore for not draping over one's shoulders in apparatus of the present invention embodiment
The details of dew please refers to the embodiment of the above-mentioned insurance mutual aid method based on block chain of the present invention.
Fig. 7 diagrammatically illustrates the frame of the insurance mutual auxiliary system according to an embodiment of the invention based on block chain
Figure.
As shown in fig. 7, the mutual auxiliary system 700 of the insurance based on block chain that embodiment of the present invention provides may include block
Chain network constructs subsystem 710, data format definition subsystem 720, information storage subsystem 730, insurance collaboration mutual assistance management
Subsystem 740 and System Performance Analysis subsystem 750.
In the embodiment of the present invention, block chain network constructs subsystem 710, data format definition subsystem 720, information storage
Subsystem 730, insurance collaboration mutual assistance management subsystem 740 and System Performance Analysis subsystem 750 may be respectively used for realizing
Step S410, S420, S430, S440, S450 in embodiment illustrated in fig. 4.
Below with reference to Fig. 8, it illustrates the computer systems 800 for the electronic equipment for being suitable for being used to realize the embodiment of the present invention
Structural schematic diagram.The computer system 800 of electronic equipment shown in Fig. 8 is only an example, should not be to the embodiment of the present invention
Function and use scope bring any restrictions.
As shown in figure 8, computer system 800 includes central processing unit (CPU) 801, it can be read-only according to being stored in
Program in memory (ROM) 802 or be loaded into the program in random access storage device (RAM) 803 from storage section 808 and
Execute various movements appropriate and processing.In RAM 803, it is also stored with various programs and data needed for system operatio.CPU
801, ROM 802 and RAM 803 is connected with each other by bus 804.Input/output (I/O) interface 805 is also connected to bus
804。
I/O interface 805 is connected to lower component: the importation 806 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 807 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 808 including hard disk etc.；
And the communications portion 809 of the network interface card including LAN card, modem etc..Communications portion 809 via such as because
The network of spy's net executes communication process.Driver 810 is also connected to I/O interface 805 as needed.Detachable media 811, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 810, in order to read from thereon
Computer program be mounted into storage section 808 as needed.
Particularly, according to an embodiment of the invention, may be implemented as computer above with reference to the process of flow chart description
Software program.For example, the embodiment of the present invention includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 809, and/or from detachable media
811 are mounted.When the computer program is executed by central processing unit (CPU) 801, executes and limited in the system of the application
Above-mentioned function.
It should be noted that computer-readable medium shown in the present invention can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In the present invention, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In invention, computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present invention can be realized by way of software, can also be by hard
The mode of part realizes that described unit also can be set in the processor.Wherein, the title of these units is in certain situation
Under do not constitute restriction to the unit itself.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in electronic equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying electronic equipment.
Above-mentioned computer-readable medium carries one or more program, when the electronics is set by one for said one or multiple programs
When standby execution, so that the electronic equipment realizes such as the above-mentioned insurance mutual aid method as described in the examples based on block chain.
For example, the electronic equipment may be implemented as shown in Figure 1: step S110 establishes insurance mutual assistance object set
It closes, the set includes at least two insurance mutual assistance objects；Step S120 will respectively insure the history of mutual assistance object in the set
Settlement of insurance claim information and information of currently insuring are uploaded to block chain；Step S130 insures according to the history of each insurance mutual assistance object
Information matches of settling a claim insure mutual-aid team, wherein respectively insurance mutual-aid team includes the first insurance mutual assistance object and the second insurance mutual assistance pair
As；Step S140, according to the information of currently insuring of the first insurance mutual assistance object and the second insurance mutual assistance object, by institute
At least partly insurance amount for stating the first insurance mutual assistance object transfers the second insurance mutual assistance object.
For another example, each step as shown in Figures 2 to 4 may be implemented in the electronic equipment.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member or subelement, but this division is not enforceable.In fact, embodiment according to the present invention, above-described
Two or more modules or the feature and function of unit or subelement can be in a module or units or subelement
Middle materialization.Conversely, an above-described module or the feature and function of unit or subelement can be with further divisions
To be embodied by multiple modules or unit or subelement.
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the present invention
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, touch control terminal or network equipment etc.) executes embodiment according to the present invention
Method.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to of the invention its
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the invention, these modifications, purposes or
Person's adaptive change follows general principle of the invention and including the undocumented common knowledge in the art of the present invention
Or conventional techniques.The description and examples are only to be considered as illustrative, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims.
Claims (10)
1. a kind of insurance mutual aid method based on block chain characterized by comprising
Insurance mutual assistance object set is established, the set includes at least two insurance mutual assistance objects；
The history settlement of insurance claim information that mutual assistance object is respectively insured in the set and current information of insuring are uploaded to block chain；
Mutual-aid team is insured according to the history settlement of insurance claim information matches of each insurance mutual assistance object, wherein respectively insurance mutual-aid team includes the
One insurance mutual assistance object and the second insurance mutual assistance object；
According to the information of currently insuring of the first insurance mutual assistance object and the second insurance mutual assistance object, described first is protected
At least partly insurance amount of dangerous mutual assistance object transfers the second insurance mutual assistance object.
2. the insurance mutual aid method according to claim 1 based on block chain, which is characterized in that according to each insurance mutual assistance pair
The history settlement of insurance claim information matches of elephant insure mutual-aid team, comprising:
The score value of each insurance mutual assistance object is calculated according to the history settlement of insurance claim information of each insurance mutual assistance object；
Each insurance mutual assistance object is ranked up according to score value；
The first insurance mutual assistance object and the second insurance mutual assistance object are matched according to ranking results, obtain insurance mutual-aid team.
3. the insurance mutual aid method according to claim 2 based on block chain, which is characterized in that each insurance mutual assistance object
History settlement of insurance claim information includes the accumulation policy accident number and accumulation policy amount for which loss settled of each insurance mutual assistance object.
4. the insurance mutual aid method according to claim 3 based on block chain, which is characterized in that be calculated using the following equation
The score value of each insurance mutual assistance object:
Score (i)=10- (w1*Ni+w2*Qi),
Wherein, i=1 in above-mentioned formula, 2 ..., n, wherein n is the insurance mutual assistance number of objects in the set；Score (i) is
The score value of i-th of insurance mutual assistance object；Ni is the accumulation insurance risk number of i-th of insurance mutual assistance object；Qi is i-th of insurance
The accumulation settlement of insurance claim amount of money of mutual assistance object；W1 and w2 is coefficient.
5. the insurance mutual aid method according to claim 4 based on block chain, which is characterized in that according to ranking results by
One insurance mutual assistance object and the second insurance mutual assistance object are matched, and insurance mutual-aid team is obtained, comprising:
Multiple combinations collection is obtained according to ranking results, includes multiple combinations in each combination of sets, is protected in each combination including at least two
Dangerous mutual assistance object；
Calculate the poor quadratic sum of the score value of the insurance mutual assistance object respectively combined in each combination of sets；
It will be in the corresponding combination of sets of maximum value of the poor quadratic sum of the score value of the insurance mutual assistance object respectively combined in each combination of sets
Combination as matched insurance mutual-aid team.
6. the insurance mutual aid method according to claim 1 based on block chain, which is characterized in that according to first insurance
The information of currently insuring of mutual assistance object and the second insurance mutual assistance object, at least partly by the first insurance mutual assistance object
Insurance amount transfers the second insurance mutual assistance object, comprising:
According to the information of currently insuring of the first insurance mutual assistance object and the second insurance mutual assistance object, described first is obtained
Insurance mutual assistance object and described second insures insuring the intersection phase for mutual assistance object；
It insures the intersection phase described, by first of unused portion in the insurance amount of the first insurance mutual assistance object the predetermined ratio
Example transfers the second insurance mutual assistance object.
7. the insurance mutual aid method according to claim 6 based on block chain, which is characterized in that the insurance mutual aid method
Further include:
According to the information of insuring of the first insurance mutual assistance object and the second insurance mutual assistance object next time, described the is obtained
One insurance mutual assistance object and described second insures insuring next time the intersection phase for mutual assistance object；
It insures next time the intersection phase described, by the second predetermined ratio in the Claims Resolution abatement amount of the second insurance mutual assistance object
Example transfers the first insurance mutual assistance object.
8. a kind of insurance mutual aid device based on block chain characterized by comprising
Set establishes module, is configured to establish insurance mutual assistance object set, the set includes at least two insurance mutual assistance objects；
Information storage module is configured to respectively insure the history settlement of insurance claim information of mutual assistance object in the set and currently insure
Information is uploaded to block chain；
Mutual assistance matching module is configured to insure mutual-aid team according to the history settlement of insurance claim information matches of each insurance mutual assistance object,
In respectively insure mutual-aid team include first insurance mutual assistance object and second insurance mutual assistance object；
Amount transfers the possession of module, is configured to the current throwing according to the first insurance mutual assistance object and the second insurance mutual assistance object
At least partly insurance amount of the first insurance mutual assistance object is transferred the second insurance mutual assistance object by breath information-preserving.
9. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is executed by processor
Insurance mutual aid method based on block chain of the Shi Shixian as described in any one of claims 1 to 7.
10. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are by one or more of processing
Device execute when so that one or more of processors realize as described in any one of claims 1 to 7 based on block chain
Insure mutual aid method.
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| CN201810960069.7A CN109191315A (en) | 2018-08-22 | 2018-08-22 | Insurance mutual aid method, device, medium and electronic equipment based on block chain |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810960069.7A CN109191315A (en) | 2018-08-22 | 2018-08-22 | Insurance mutual aid method, device, medium and electronic equipment based on block chain |
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| WO2019179536A3 (en) * | 2019-07-03 | 2020-04-30 | Alibaba Group Holding Limited | Mutual aid network based on smart contract and blockchain |
| CN111429291A (en) * | 2020-03-28 | 2020-07-17 | 童树德 | Double-insurance-communication household insurance intelligent accounting system and method |
| CN111798062A (en) * | 2020-07-08 | 2020-10-20 | 洋浦美诺安电子科技有限责任公司 | Financial data prediction system based on block chain and big data |
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Application publication date: 20190111 |