CN109636627B - Insurance product management method, device, medium and electronic equipment based on block chain - Google Patents

Insurance product management method, device, medium and electronic equipment based on block chain Download PDF

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CN109636627B
CN109636627B CN201811476141.5A CN201811476141A CN109636627B CN 109636627 B CN109636627 B CN 109636627B CN 201811476141 A CN201811476141 A CN 201811476141A CN 109636627 B CN109636627 B CN 109636627B
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features
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CN109636627A (en
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李夫路
常谦
杜松
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Taikang Insurance Group Co Ltd
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Taikang Insurance Group Co Ltd
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    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

Abstract

The embodiment of the invention provides a block chain-based insurance product management method, a block chain-based insurance product management device, a block chain-based insurance product management medium and electronic equipment, wherein the block chain-based insurance product management method comprises the following steps: acquiring historical insurance product data in a block chain network, and extracting original product features and management regulation features corresponding to the original product features in the historical insurance product data; generating a target two-dimensional feature vector according to the management rule features and the effective dates of the management rule features; acquiring data of insurance products to be processed in a block chain network, and extracting characteristics of the insurance products to be processed in the data of the insurance products to be processed; and judging whether the data of the insurance product to be processed is in compliance or not according to the characteristics of the product to be processed and the target two-dimensional characteristic vector. The technical scheme of the embodiment of the invention can realize the automatic judgment of the data of the insurance product to be processed on the compliance, thereby improving the processing efficiency of the data of the insurance product to be processed and saving the labor cost.

Description

Insurance product management method, device, medium and electronic equipment based on block chain
Technical Field
The present invention relates to the field of blockchain technology, and in particular, to a method for managing an insurance product based on a blockchain, an insurance product management apparatus based on a blockchain, a computer-readable storage medium, and an electronic device.
Background
At present, in the management method for judging whether insurance products are in compliance, most insurance companies carry out private judgment according to insurance regulation, so the accuracy of judgment results is low; moreover, because no reliable management method exists, the insurance product easily causes misleading, violation of new regulation of supervision, unreasonable price and other problems to the user in the process of sale, and the user experience is poor.
Therefore, it is desirable to provide a new insurance product management method and apparatus.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present invention and therefore may include information that does not constitute prior art known to a person of ordinary skill in the art.
Disclosure of Invention
Embodiments of the present invention provide a block chain-based insurance product management method, a block chain-based insurance product management apparatus, a computer-readable storage medium, and an electronic device, so as to overcome a problem of low accuracy of a determination result of compliance of an insurance product to at least a certain extent.
Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.
According to a first aspect of embodiments of the present invention, there is provided a block chain-based insurance product management method, including:
acquiring historical insurance product data in a block chain network, and extracting original product features in the historical insurance product data and management regulation features corresponding to the original product features;
generating a target two-dimensional feature vector according to the management rule features and the effective dates of the management rule features;
acquiring data of insurance products to be processed in the block chain network, and extracting characteristics of the insurance products to be processed in the data of the insurance products to be processed;
and judging whether the data of the insurance product to be processed is in compliance or not according to the characteristics of the product to be processed and the target two-dimensional characteristic vector.
In some embodiments of the present invention, based on the foregoing, extracting the raw product features in the historical insurance product data comprises:
classifying the historical insurance product data to obtain a first product category of the historical insurance product;
and sequentially extracting original product features in the historical insurance product data according to preset product features corresponding to the first product category.
In some embodiments of the present invention, based on the foregoing solution, the determining whether the data of the insurance product to be processed is compliant according to the feature of the product to be processed and the target two-dimensional feature vector includes:
searching a target two-dimensional feature vector corresponding to the second product category according to the second product category to which the data of the insurance product to be processed belongs;
comparing the characteristics of the product to be processed with the management rule characteristics included in the target two-dimensional characteristic vector one by one to obtain a comparison result;
and judging whether the data of the insurance product to be processed is in compliance according to the comparison result.
In some embodiments of the present invention, based on the foregoing scheme, comparing the features of the product to be processed with the management rule features included in the target two-dimensional feature vector one by one to obtain a comparison result includes:
obtaining the generation date of the characteristics of the to-be-processed product according to the effective date of the data of the to-be-processed insurance product;
generating a two-dimensional feature vector to be processed according to the feature of the product to be processed and the generation date;
and comparing the target two-dimensional vector and the to-be-processed two-dimensional feature vector one by one to obtain a comparison result.
In some embodiments of the present invention, based on the foregoing solution, determining whether the data of the insurance product to be processed is compliant according to the comparison result includes:
and if the comparison result is that the generation date is within the effective date, judging that the data of the insurance product to be processed is in compliance.
In some embodiments of the present invention, based on the foregoing scheme, comparing the features of the product to be processed and the management rule features included in the two-dimensional feature vector one by one to obtain a comparison result further includes:
judging whether the characteristics of the product to be processed exist in the management rule characteristics;
and if the to-be-processed product features exist in the management rule features, comparing the to-be-processed product features with the management rule features included in the two-dimensional feature vector one by one to obtain a comparison result.
In some embodiments of the present invention, based on the foregoing solution, the block chain-based insurance product management method further includes:
if the product feature to be processed does not exist in the regulatory features, obtaining processed insurance product data corresponding to the second product category;
extracting a processing result of the processed product characteristics corresponding to the characteristics of the product to be processed in the processed insurance product data;
and obtaining a comparison result of the characteristics of the product to be processed according to the processing result of the characteristics of the processed product.
According to a second aspect of embodiments of the present invention, there is provided a block chain-based insurance product management apparatus including:
the system comprises a first extraction module, a second extraction module and a third extraction module, wherein the first extraction module is used for acquiring historical insurance product data in a block chain network and extracting original product features in the historical insurance product data and management rule features corresponding to the original product features;
the feature vector generation module is used for generating a two-dimensional feature vector according to the management regulation feature and the effective date of the management regulation feature;
the second extraction module is used for acquiring the data of the insurance products to be processed in the block chain network and extracting the characteristics of the insurance products to be processed in the data of the insurance products to be processed;
and the judging module is used for judging whether the data of the insurance products to be processed are in compliance or not according to the characteristics of the products to be processed and the two-dimensional characteristic vector.
In some embodiments of the present invention, based on the foregoing, the first extraction module may be configured to:
classifying the historical insurance product data to obtain a first product category of the historical insurance product;
and sequentially extracting original product features in the historical insurance product data according to preset product features corresponding to the first product category.
In some embodiments of the present invention, based on the foregoing, the determining module may be configured to:
searching a target two-dimensional feature vector corresponding to the second product category according to the second product category to which the data of the insurance product to be processed belongs;
comparing the characteristics of the product to be processed with the management rule characteristics included in the target two-dimensional characteristic vector one by one to obtain a comparison result;
and judging whether the data of the insurance product to be processed is in compliance according to the comparison result.
In some embodiments of the present invention, based on the foregoing scheme, the determining module may be further configured to:
obtaining the generation date of the characteristics of the to-be-processed product according to the effective date of the data of the to-be-processed insurance product;
generating a two-dimensional feature vector to be processed according to the feature of the product to be processed and the generation date;
and comparing the target two-dimensional vector and the to-be-processed two-dimensional feature vector one by one to obtain a comparison result.
In some embodiments of the present invention, based on the foregoing scheme, the determining module may be further configured to:
and if the comparison result is that the generation date is within the effective date, judging that the data of the insurance product to be processed is in compliance.
In some embodiments of the present invention, based on the foregoing scheme, the determining module may be further configured to include:
judging whether the characteristics of the product to be processed exist in the management rule characteristics;
and if the to-be-processed product features exist in the management rule features, comparing the to-be-processed product features with the management rule features included in the two-dimensional feature vector one by one to obtain a comparison result.
In some embodiments of the present invention, based on the foregoing solution, the block chain-based insurance product management apparatus may further include:
an obtaining module for obtaining processed insurance product data corresponding to the second product category if the to-be-processed product feature is not present in the management ordinance feature;
the third extraction module is used for extracting a processing result of the processed product characteristics corresponding to the characteristics of the product to be processed in the processed insurance product data;
and the comparison result generation module is used for obtaining the comparison result of the characteristics of the product to be processed according to the processing result of the characteristics of the processed product.
According to a third aspect of embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements the block chain based insurance product management method according to the first aspect of the embodiments described above.
According to a fourth aspect of embodiments of the present invention, there is provided an electronic apparatus, including: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the block chain based insurance product management method according to the first aspect of the embodiments.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
in the technical solutions provided by some embodiments of the present invention, on one hand, historical insurance product data in a blockchain network is obtained, and original product features and management rule features corresponding to the original product features in the historical insurance product data are extracted; generating a target two-dimensional feature vector according to the management rule features and the effective dates of the management rule features; acquiring data of insurance products to be processed in a block chain network, and extracting characteristics of the insurance products to be processed in the data of the insurance products to be processed; the method has the advantages that historical insurance product data and to-be-processed insurance product data can be stored through the block chain network, so that the historical insurance product data and the to-be-processed insurance product data can be prevented from being tampered, traceability of the historical insurance product data and the to-be-processed insurance product data can be realized, the problem that in the prior art, due to human factors, the accuracy of judgment results of whether insurance products are in compliance is low is solved, meanwhile, the phenomenon of indiscriminate charging of insurance companies is avoided, and user experience is improved. On the other hand, judging whether the data of the insurance product to be processed is in compliance or not according to the characteristics of the product to be processed and the target two-dimensional characteristic vector; whether the data of the insurance products to be processed are in compliance can be automatically judged, the processing efficiency of the data of the insurance products to be processed is improved, and the labor cost is saved; on the other hand, as the historical insurance product data and the data of the insurance products to be processed are both stored in the block chain network, other users can check whether the insurance products are in compliance or not, and the condition of mistaken cheating by an insurance company is avoided.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort. In the drawings:
fig. 1 schematically shows a flowchart of a block chain-based insurance product management method according to an embodiment of the present invention.
FIG. 2 schematically illustrates a flow diagram of a method for determining compliance of the insurance product data to be processed based on the characteristics of the insurance product to be processed and the target two-dimensional feature vector, according to an embodiment of the invention.
Fig. 3 schematically shows a flowchart of another block chain-based insurance product management method according to a first embodiment of the present invention.
Fig. 4 schematically shows a flowchart of a block chain-based insurance product management method according to an embodiment of the present invention.
FIG. 5 schematically illustrates a block diagram of an implementation of an insurance product self-service management system in a blockchain network, according to an embodiment of the invention;
fig. 6 schematically shows a block diagram of a block chain-based insurance product management apparatus according to an embodiment of the present invention.
FIG. 7 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations or operations have not been shown or described in detail to avoid obscuring aspects of the invention.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
Fig. 1 schematically shows a flowchart of a block chain-based insurance product management method according to a first embodiment of the present invention, and an execution subject of the management method may be a server or a terminal device or the like.
As shown in fig. 1, the block chain-based insurance product management method according to the first embodiment of the present invention includes the following steps S110, S120, S130 and S140, which will be described in detail below:
in step S110, historical insurance product data in a blockchain network is obtained, and original product features and management regulation features corresponding to the original product features in the historical insurance product data are extracted.
In this example embodiment, the historical insurance product data may include: product application conditions, guarantee rules, claim terms, payment items, renewal conditions and the like, and relevant latest regulation regulations and effective dates of a supervision institution and the like; the method can also comprise the steps of proving that related materials such as audio, video and images of the related materials can also be uploaded to the block chain, and performing privacy protection (authority management, watermarking and the like) according to insurance product compliance management information stored in the block chain; the original product characteristics may include, for example, application conditions, assurance rules, policy dividends, premium payments, cash value interests, renewal conditions, and the like; the management regulation features may also include, but are not limited to, application conditions, assurance rules, policy dividends, premium payments, cash value interests, renewal conditions, and the like.
In this example embodiment, the historical insurance product data may be first classified to obtain a first product category of the historical insurance product; and sequentially extracting original product features in the historical insurance product data according to preset product features corresponding to the first product category. For example, historical insurance product data can be categorized into annuity insurance, major medical insurance, health insurance, and educational insurance, among others; the first product category is annuity insurance or medical insurance for severe disease. For example, the pre-set product characteristics of annuity insurance may include: insuring conditions, guarantee rules, policy dividends, premium payments, cash value interests, renewal conditions, and the like; the preset product features for critical medical insurance may include: conditions of application, rules of guarantee, payment of insurance premiums, cash value rights and interests, disease definitions and the like. Furthermore, the original product characteristics can be sequentially extracted from the historical insurance product data according to the preset product characteristics; and then, according to the extracted original product features, sequentially extracting management rule features corresponding to the original product features in the insurance management rules. By the method, the extraction speed of the original product features can be improved, all the original product features in the historical insurance product data can be comprehensively extracted, and the accuracy of extracting the original product features is improved.
In step S120, a target two-dimensional feature vector is generated based on the management regulation feature and the effective date of the management regulation feature.
In the present exemplary embodiment, the management regulation feature may be expressed as: y ═ Y1, Y2.. Yn ]; wherein, the attribute of each characteristic is consistent with the characteristic attribute of the insurance product, otherwise, the attribute is null; further, the validation date [ t1, t 2.. tn ] of each feature attribute in the rule specification may also be marked in the feature vector, generating a two-dimensional feature vector Yt [ [ Y1, Y2.. Yn ] [ t1, t 2.. tn ] ].
In step S130, to-be-processed insurance product data in the block chain network is obtained, and to-be-processed product features in the to-be-processed insurance product data are extracted.
In this example embodiment, features of the to-be-processed products in the to-be-processed insurance product data may be sequentially extracted according to the category to which the to-be-processed insurance product data belongs.
In step S140, whether the data of the insurance product to be processed is compliant is determined according to the feature of the product to be processed and the target two-dimensional feature vector.
In the technical solution of the embodiment shown in fig. 1, on one hand, historical insurance product data in a blockchain network is obtained, and original product features and management rule features corresponding to the original product features in the historical insurance product data are extracted; generating a target two-dimensional feature vector according to the management rule features and the effective dates of the management rule features; acquiring data of insurance products to be processed in a block chain network, and extracting characteristics of the insurance products to be processed in the data of the insurance products to be processed; the method has the advantages that historical insurance product data and to-be-processed insurance product data can be stored through the block chain network, so that the historical insurance product data and the to-be-processed insurance product data can be prevented from being tampered, traceability of the historical insurance product data and the to-be-processed insurance product data can be realized, the problem that in the prior art, due to human factors, the accuracy of judgment results of whether insurance products are in compliance is low is solved, meanwhile, the phenomenon of indiscriminate charging of insurance companies is avoided, and user experience is improved. On the other hand, judging whether the data of the insurance product to be processed is in compliance or not according to the characteristics of the product to be processed and the target two-dimensional characteristic vector; whether the data of the insurance products to be processed are in compliance can be automatically judged, the processing efficiency of the data of the insurance products to be processed is improved, and the labor cost is saved; on the other hand, as the historical insurance product data and the data of the insurance products to be processed are both stored in the blockchain network, other users can check whether the insurance products are in compliance or not, and cheating is avoided.
In an embodiment of the present invention, referring to fig. 2, a method for determining whether data of an insurance product to be processed is compliant according to features of the product to be processed and the target two-dimensional feature vector according to an embodiment of the present invention may include the following steps:
step S210, searching a target two-dimensional feature vector corresponding to the second product category according to the second product category to which the data of the insurance product to be processed belongs.
In this example embodiment, for example, when the second product category is severe medical insurance, the target two-dimensional feature vector may be, for example: yt { [ Y1, Y2, Y3, Y4, Y5] [ t1, t2, t3, t4, t5] }; wherein Y1 is the insurance condition, Y2 is the guarantee rule, Y3 is the insurance fee payment, Y4 is the cash value right interest, Y5 is the disease definition; t1-t5 are the effective dates of the feature attributes corresponding to Y1-Y5, respectively.
Step S220, comparing the characteristics of the product to be processed with the management rule characteristics included in the target two-dimensional characteristic vector one by one to obtain comparison results.
In this exemplary embodiment, after obtaining the target two-dimensional feature vector Yt, it may be determined whether the feature of the product to be processed exists in the management regulation feature; if the characteristics of the products to be processed exist in the management regulation characteristics, the generation date of the characteristics of the products to be processed can be obtained according to the effective date (contract effective date) of the data of the insurance products to be processed; generating a two-dimensional feature vector to be processed according to the feature of the product to be processed and the generation date; and comparing the target two-dimensional vector and the to-be-processed two-dimensional feature vector one by one to obtain a comparison result. By using the method, the data of the insurance product to be processed can be automatically processed, so that the processing time is saved, and the labor cost is also saved.
Step S230, judging whether the data of the insurance product to be processed is in compliance according to the comparison result.
In this example embodiment, if the comparison result is that the generation date is within the effective date, it is determined that the to-be-processed insurance product data is in compliance. For example, if a proportion of first-time insurance premium for a certain two-full insurance product is 30%, the bank protection agency specifies that such a product should not exceed 20%, and the effective date is 2019.01.01, then 2019.01.01 would result in illegal sales of the insurance product.
In a second embodiment of the present invention, referring to fig. 3, when the characteristics of the product to be processed are not in the management regulations, the block chain-based insurance product management method according to an embodiment of the present invention may further include the steps of:
step S310, if the product feature to be processed does not exist in the management regulation feature, acquiring processed insurance product data corresponding to the second product category.
Step S320, extracting a processing result of the processed product feature corresponding to the feature of the product to be processed in the processed insurance product data.
Step S330, obtaining a comparison result of the characteristics of the product to be processed according to the processing result of the characteristics of the processed product.
Next, steps S310 to S330 will be explained and explained. For example, if a product attribute is not specified in the regulatory regulations of the regulatory agency, the same type of products of different companies or the same type of products of the same company may be compared, and if the similar products have a violation due to the attribute, the products with the consistent attribute value may have an unqualified problem.
The implementation details of the embodiment of the present invention are described in detail below with reference to fig. 4 to 5:
as shown in fig. 4, a block chain-based insurance product management method according to a third embodiment of the present invention includes the steps of:
in step S410, a network of block chain nodes and block chains is constructed.
In one embodiment of the invention, after the blockchain node is selected, a blockchain network may be constructed based on the selected blockchain node. For example, a blockchain network may be constructed with insurance company base business as a minimum node and based on the participation of one or more insurance groups/companies.
Step S420, store insurance product data based on the data structure and storage manner in the embodiment of the present invention.
In one embodiment of the present invention, the company or the individual registered in the system uploads the product insurance conditions, guarantee rules, claim terms, payment terms, renewal conditions, and the like of the related insurance products (even if the same kind of products of the same company, such as hundreds of life insurance products, are available), and the related latest regulation and effective date of the regulatory agency, and the like, to the block chain in real time, and it can be proved that the related materials, such as audio, video, images, and the like, of the related materials can also be uploaded to the block chain.
For example, the bank insurance policy issues the latest regulation on the two-full insurance products in the near future, so that the insurance company a needs to re-confirm the compliance of all the two-full products of the company, and for this action, a new block is generated in the block chain, and the information to be input in the block includes: the method comprises the following steps that A, the insuring conditions, guarantee rules, claim terms, payment items, renewal conditions and the like of all the two-full insurance products of company A, the latest regulation, the effective date and the like of the related two-full insurance regulations of a supervision organization, audio, video, images and the like of related materials can be proved, and a passer discloses a secret key and a signature, privacy authorization and the like; the link of the historical record of the insurance product compliance management information and the like is output, the system automatically searches and identifies possible compliance risks (misleading users, violating new regulations, unreasonable price and the like) and sends out a prompt to relevant supervision departments. All records are graded and opened for enterprises with different authorities or individuals, the characteristics of openness, transparency and traceability of block chain information are fully utilized, the compliance management of insurance products is realized by utilizing historical information to the maximum extent, and meanwhile, possible risks and losses in the operation process of the enterprises are avoided to a certain extent. The specific storage information may be shown in table 1 below, for example:
TABLE 1
Figure GDA0002660309640000111
Figure GDA0002660309640000121
And step S430, managing the insurance products according to the data stored in the block chain network.
In the present exemplary embodiment, first, depending on the type of insurance product, the feature X of the insurance product may be extracted as [ X1, X2.. Xn ], such as the feature of the annuity insurance includes [ insurance conditions, guarantee rules, policy dividend, premium payment, cash value interest, renewal conditions ], etc., the feature of the serious medical insurance includes [ insurance conditions, guarantee rules, premium payment, cash value interest, disease definitions ], etc., and the relevant regulations of the supervision agency also extract the feature Y as [ Y1, Y2.. Yn ] according to the type of the corresponding product, and the attribute of each feature is identical to the feature attribute of the insurance product, otherwise, it is null; further, the effective date of each feature attribute in the rule specification may also be marked in the feature vector, a two-dimensional feature vector Yt [ [ Y1, Y2.. Yn ] [ t1, t 2.. tn ] ] is generated, and the feature vector is updated according to the latest rule specification; still further, each product characteristic of a certain type of insurance product can be compared with the characteristic in the provision one by one, whether the product has violation problems in a certain period at present is judged according to the effective date of the provision, and the product has violation risks as long as one or more product characteristics are not in the scope specified by the provision. For example, if the first life insurance premium of a certain two-full insurance product is 30%, the bank protection agency specifies that the number of such products should not exceed 20%, and the effective date is 2019.01.01, then the insurance product will have illegal sales problem after 2019.01.01. Finally, if a product attribute is not specified in the regulation of the regulatory agency, the products of the same type of different companies or the products of the same type of the same company are compared, and if the similar products have a violation due to the attribute, the products with consistent attribute values may have an unqualified problem.
Step S440, updating and optimizing system parameters based on the system performance.
In the embodiment, timeliness, effectiveness and accuracy of insurance product compliance management can be evaluated, and system parameters are continuously adjusted and optimized based on the availability of a multi-dimensional comprehensive dynamic analysis method for market related product differences among different companies, the differences of similar products of the same company, the matching degree of effective dates specified by time series and relevant regulations of a regulatory agency, and the like, so that insurance product compliance management is effectively realized in a block chain network, and effective popularization of the block chain technology in the aspect of insurance product compliance management is powerfully promoted.
Embodiments of the apparatus of the present invention are described below with reference to the accompanying drawings.
Figure 5 schematically illustrates a block diagram of a system for implementing self-service management of insurance products in a blockchain network, in accordance with an embodiment of the present invention.
Referring to fig. 5, a system for implementing self-help management of insurance products in a blockchain network according to an embodiment of the present invention includes: a blockchain network building subsystem 510, a data format definition subsystem 520, an insurance product data storage subsystem 530, an insurance product management subsystem 540, and a system performance evaluation subsystem 550.
The blockchain network building subsystem 510 is responsible for building, updating, and maintaining the blockchain nodes and the blockchain network. For example, one or more insurance groups/companies may participate in the blockchain network construction for the compliance management transaction of insurance products with the insurance company base business as the smallest node.
The data format definition subsystem 520 may store insurance product information according to the data structure shown in table 1 above to ensure high efficiency of information storage and information processing. For example, the information to be input in the block may include: the method comprises the following steps that A, the insuring conditions, guarantee rules, claim terms, payment items, renewal conditions and the like of all the two-full insurance products of company A, the latest regulation, the effective date and the like of the related two-full insurance regulations of a supervision organization, audio, video, images and the like of related materials can be proved, and a passer discloses a secret key and a signature, privacy authorization and the like; the link of the historical record of the insurance product compliance management information and the like is output, the system automatically searches and identifies possible compliance risks (misleading users, violating new regulations, unreasonable price and the like) and sends out a prompt to relevant supervision departments.
The insurance product data storage subsystem 530 is used to store insurance product data information. Specifically, the related personnel can upload the insurance product application conditions, guarantee rules, claim terms, payment terms, renewal conditions, etc., the latest regulation and effective date of the supervision institution for the two-full insurance, audio, video, images, etc., public keys and signatures of the hands and privacy authorities to the block chain network according to the format shown in table 1, so as to facilitate the storage of the insurance product data storage subsystem 530.
The insurance product management subsystem 540 is used to manage compliance of insurance products according to the information stored in the blockchain network.
In the example embodiment, according to the historical data of the insurance product compliance management information in the blockchain, the system can automatically search and identify possible compliance risks (misleading users, violating new regulations, unreasonable price and the like) and send out a prompt to relevant supervision departments, so that the effective popularization of the blockchain technology in the aspect of insurance product compliance management is strongly promoted.
The system performance evaluation subsystem 550 can evaluate timeliness, effectiveness and accuracy of the insurance product compliance management system, and continuously adjusts and optimizes system parameters based on the availability of a multi-dimensional comprehensive dynamic analysis method such as differences of market related products among different companies, differences of similar products of the same company, matching degree of effective dates specified by time series and relevant regulations of a regulatory organization, and the like, so as to effectively realize insurance product compliance management in a block chain network, thereby effectively promoting effective popularization of the block chain technology in the aspect of insurance product compliance management.
Fig. 6 schematically shows a block diagram of a block chain-based insurance product management apparatus according to an embodiment of the present invention.
Referring to fig. 6, the block chain-based insurance product management apparatus may include a first extraction module 610, a feature vector generation module 620, a second extraction module 630, and a judgment module 640. Wherein:
the first extraction module 610 may be configured to obtain historical insurance product data in a blockchain network, and extract original product features in the historical insurance product data and management regulation features corresponding to the original product features.
The feature vector generation module 620 may be configured to generate a two-dimensional feature vector according to the management regulation feature and the expiration date of the management regulation feature.
The second extraction module 630 may be configured to obtain data of the insurance product to be processed in the blockchain network, and extract features of the insurance product to be processed in the data of the insurance product to be processed;
the judging module 640 may be configured to judge whether the data of the insurance product to be processed is compliant according to the feature of the product to be processed and the two-dimensional feature vector.
In one embodiment of the invention, the first extraction module 610 may be configured to: classifying the historical insurance product data to obtain a first product category of the historical insurance product; and sequentially extracting original product features in the historical insurance product data according to preset product features corresponding to the first product category.
In one embodiment of the invention, the determining module 640 may be configured to: searching a target two-dimensional feature vector corresponding to the second product category according to the second product category to which the data of the insurance product to be processed belongs; comparing the characteristics of the product to be processed with the management rule characteristics included in the target two-dimensional characteristic vector one by one to obtain a comparison result; and judging whether the data of the insurance product to be processed is in compliance according to the comparison result.
In an embodiment of the present invention, the determining module 640 may be further configured to: obtaining the generation date of the characteristics of the to-be-processed product according to the effective date of the data of the to-be-processed insurance product; generating a two-dimensional feature vector to be processed according to the feature of the product to be processed and the generation date; and comparing the target two-dimensional vector and the to-be-processed two-dimensional feature vector one by one to obtain a comparison result.
In an embodiment of the present invention, the determining module 640 may be further configured to: and if the comparison result is that the generation date is within the effective date, judging that the data of the insurance product to be processed is in compliance.
In some embodiments of the present invention, the determining module 640 may be further configured to: judging whether the characteristics of the product to be processed exist in the management rule characteristics; and if the to-be-processed product features exist in the management rule features, comparing the to-be-processed product features with the management rule features included in the two-dimensional feature vector one by one to obtain a comparison result.
In some embodiments of the present invention, the block chain-based insurance product management apparatus may further include:
an obtaining module for obtaining processed insurance product data corresponding to the second product category if the to-be-processed product feature is not present in the management ordinance feature;
the third extraction module is used for extracting a processing result of the processed product characteristics corresponding to the characteristics of the product to be processed in the processed insurance product data;
and the comparison result generation module is used for obtaining the comparison result of the characteristics of the product to be processed according to the processing result of the characteristics of the processed product.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with the electronic device implementing an embodiment of the present invention. The computer system 700 of the electronic device shown in fig. 7 is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for system operation are also stored. The CPU701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program executes the above-described functions defined in the system of the present application when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The above-mentioned computer-readable medium carries one or more programs which, when executed by one of the electronic devices, cause the electronic device to implement the block chain-based insurance product management method as described in the above-mentioned embodiments.
For example, the electronic device may implement the following as shown in fig. 1: step S110, acquiring historical insurance product data in a block chain network, and extracting original product features in the historical insurance product data and management regulation features corresponding to the original product features; step S120, generating a target two-dimensional feature vector according to the management regulation feature and the effective date of the management regulation feature; step S130, acquiring insurance product data to be processed in the block chain network, and extracting characteristics of the insurance product to be processed in the insurance product data to be processed; and step S140, judging whether the data of the insurance product to be processed is in compliance according to the characteristics of the product to be processed and the target two-dimensional characteristic vector.
As another example, the electronic device may implement the steps shown in fig. 2 to 4.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the invention. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiment of the present invention.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.

Claims (6)

1. A block chain-based insurance product management method, comprising:
acquiring historical insurance product data in a block chain network, extracting original product features in the historical insurance product data, and sequentially extracting management rule features corresponding to the original product features in insurance management rules according to the original product features; wherein the historical insurance product data comprises a plurality of product application conditions, guarantee rules, claim terms, payment items, renewal conditions, and relevant latest regulation regulations and effective dates of a supervision institution;
generating a target two-dimensional feature vector according to the management rule features and the effective dates of the management rule features;
acquiring data of insurance products to be processed in the block chain network, and extracting characteristics of the insurance products to be processed in the data of the insurance products to be processed;
judging whether the data of the insurance product to be processed is in compliance or not according to the characteristics of the product to be processed and the target two-dimensional characteristic vector;
wherein extracting the raw product features in the historical insurance product data comprises:
classifying the historical insurance product data to obtain a first product category of the historical insurance product; wherein the first product category includes one or more of annuity insurance, major medical insurance, health insurance, and educational insurance;
sequentially extracting original product features in the historical insurance product data according to preset product features corresponding to the first product category; wherein the original product characteristics comprise a plurality of insurance conditions, guarantee rules, policy dividends, insurance fee payment, cash value rights and interests and renewal conditions;
wherein, according to the characteristics of the to-be-processed products and the target two-dimensional characteristic vector, judging whether the data of the to-be-processed insurance products are in compliance comprises:
searching a target two-dimensional feature vector corresponding to the second product category according to the second product category to which the data of the insurance product to be processed belongs;
obtaining the generation date of the characteristics of the to-be-processed product according to the effective date of the data of the to-be-processed insurance product; generating a two-dimensional feature vector to be processed according to the feature of the product to be processed and the generation date; comparing the target two-dimensional feature vector with the to-be-processed two-dimensional feature vector one by one to obtain a comparison result;
and if the comparison result is that the generation date is within the effective date, judging that the data of the insurance product to be processed is in compliance.
2. The block chain-based insurance product management method according to claim 1, wherein comparing the to-be-processed product features and the management regulation features included in the two-dimensional feature vector one by one to obtain a comparison result further comprises:
judging whether the characteristics of the product to be processed exist in the management rule characteristics;
and if the to-be-processed product features exist in the management rule features, comparing the to-be-processed product features with the management rule features included in the two-dimensional feature vector one by one to obtain a comparison result.
3. The block chain-based insurance product management method according to claim 2, wherein the block chain-based insurance product management method further comprises:
if the product feature to be processed does not exist in the regulatory features, obtaining processed insurance product data corresponding to the second product category;
extracting a processing result of the processed product characteristics corresponding to the characteristics of the product to be processed in the processed insurance product data;
and obtaining a comparison result of the characteristics of the product to be processed according to the processing result of the characteristics of the processed product.
4. An insurance product management apparatus based on a block chain, comprising:
the system comprises a first extraction module, a second extraction module and a third extraction module, wherein the first extraction module is used for acquiring historical insurance product data in a block chain network, extracting original product features in the historical insurance product data, and sequentially extracting management rule features corresponding to the original product features in insurance management rules according to the original product features; wherein, the historical insurance product data comprises product insuring conditions, guarantee rules, claim terms, payment items, renewal conditions and the like, and various related latest regulation regulations and effective dates of a supervision institution;
the feature vector generation module is used for generating a two-dimensional feature vector according to the management regulation feature and the effective date of the management regulation feature;
the second extraction module is used for acquiring the data of the insurance products to be processed in the block chain network and extracting the characteristics of the insurance products to be processed in the data of the insurance products to be processed;
the judging module is used for judging whether the data of the insurance product to be processed is in compliance according to the characteristics of the product to be processed and the two-dimensional characteristic vector;
wherein the first extraction module may be configured to:
classifying the historical insurance product data to obtain a first product category of the historical insurance product; wherein the first product category includes one or more of annuity insurance, major medical insurance, health insurance, and educational insurance;
sequentially extracting original product features in the historical insurance product data according to preset product features corresponding to the first product category; wherein the original product characteristics comprise a plurality of insurance conditions, guarantee rules, policy dividends, insurance fee payment, cash value rights and interests and renewal conditions;
wherein, according to the characteristics of the to-be-processed products and the target two-dimensional characteristic vector, judging whether the data of the to-be-processed insurance products are in compliance comprises:
searching a target two-dimensional feature vector corresponding to the second product category according to the second product category to which the data of the insurance product to be processed belongs;
obtaining the generation date of the characteristics of the to-be-processed product according to the effective date of the data of the to-be-processed insurance product; generating a two-dimensional feature vector to be processed according to the feature of the product to be processed and the generation date; comparing the target two-dimensional feature vector with the to-be-processed two-dimensional feature vector one by one to obtain a comparison result;
and if the comparison result is that the generation date is within the effective date, judging that the data of the insurance product to be processed is in compliance.
5. A computer-readable medium on which a computer program is stored, the program, when being executed by a processor, implementing the block chain-based insurance product management method according to any one of claims 1 to 3.
6. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the block chain-based insurance product management method of any one of claims 1 to 3.
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