CN109785170B - Block chain-based insurance application method and block chain-based insurance application system - Google Patents
Block chain-based insurance application method and block chain-based insurance application system Download PDFInfo
- Publication number
- CN109785170B CN109785170B CN201910054407.5A CN201910054407A CN109785170B CN 109785170 B CN109785170 B CN 109785170B CN 201910054407 A CN201910054407 A CN 201910054407A CN 109785170 B CN109785170 B CN 109785170B
- Authority
- CN
- China
- Prior art keywords
- insurance
- policy
- identity
- node
- private key
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
- 238000000034 method Methods 0.000 title claims abstract description 24
- 238000004364 calculation method Methods 0.000 claims description 21
- 238000013467 fragmentation Methods 0.000 claims description 18
- 238000006062 fragmentation reaction Methods 0.000 claims description 18
- 238000012545 processing Methods 0.000 claims description 17
- 239000012634 fragment Substances 0.000 claims description 16
- 238000012795 verification Methods 0.000 claims description 10
- 230000003993 interaction Effects 0.000 claims description 5
- 238000004891 communication Methods 0.000 claims description 4
- 230000008569 process Effects 0.000 abstract description 4
- 230000008901 benefit Effects 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 239000000470 constituent Substances 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
- 239000000126 substance Substances 0.000 description 1
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention belongs to the technical field of block chains, and relates to a block chain-based insurance application method and system. The method comprises the following steps: the insurance user node receives the identity card number and the insurance kind to be applied provided by the insurance user, and generates an insurance policy according to the identity card number and the insurance kind to be applied; acquiring policy parameters according to the insurance policy; the insurance company node receives the user node identification, the user node public key and the policy parameters and generates an identity base private key corresponding to the insurance user; the insurance user node receives the encrypted identity-based private key, signs the identity card number, the insurance policy parameter and the insurance company node identification corresponding to the insurance policy according to the identity-based private key and broadcasts in the block chain; and the accounting node receives the broadcast message, takes the policy parameters as a public key, and verifies the identity number according to the public parameters obtained by inquiring the insurance company node identification so as to determine the insurance result. The method and the system can effectively ensure the safety and privacy of the user in the process of insuring.
Description
Technical Field
The invention belongs to the technical field of block chains, and particularly relates to a block chain-based insurance application method and a block chain-based insurance application system.
Background
Banks, securities and insurance belong to the three-drive carriage of the Chinese financial system, and the insurance industry in China currently comprises: property insurance, personal insurance (commonly referred to as life insurance) and national policy of export credit insurance companies in china. The property insurance company mainly carries out risk insurance on property targets, the life insurance company mainly carries out insurance on human bodies, and the export credit insurance company mainly carries out credit guarantee insurance on enterprise export business. Compared with the insurance industry which is abroad and has a history of more than 300 years, the insurance industry in China is still in the development stage, the system is still imperfect, and some problems in development exist. The beijing municipality has reported the results of soliciting insurance service advice, and the consumer reflects up to six issues including: the telephone disturbs people, misleads sales, has high interest, poor daily service, difficult claiming, unreasonable claim funds and the like.
In the current insurance industry, insurance is usually a paper contract and is easy to damage or lose, and each link changes hands for many times, so that the risk of counterfeiting exists; even if the electronic contract is adopted, the printing link is only omitted, and the safety problem cannot be solved. In addition, the current insurance industry has negligence in monitoring the privacy protection of the client, and the news that the policyholder is cheated due to the leakage of policy information occurs occasionally.
Disclosure of Invention
The invention aims to solve the technical problem of the prior art, and provides a block chain-based insurance application method and a block chain-based insurance application system, which can effectively ensure the safety and privacy of a user in the insurance application process.
The technical scheme adopted for solving the technical problem of the invention is that the block chain-based insurance application method comprises the following steps:
the insurance application user node receives the identity card number and the insurance variety to be applied provided by the insurance application user, and generates an insurance policy according to the identity card number and the insurance variety to be applied; obtaining policy parameters according to the insurance policy, and sending the user node identification of the insurance user node, the user node public key and the policy parameters to insurance company nodes corresponding to the insurance variety to be applied;
the insurance company node receives a user node identifier, a user node public key and the policy parameters, generates an identity-based private key corresponding to an insurance user, encrypts the identity-based private key through the user node public key, and sends the encrypted identity-based private key to the insurance user node;
the insurance application user node receives the encrypted identity-based private key, decrypts the identity-based private key by adopting a user node private key, signs an identity card number corresponding to the insurance policy, the insurance policy parameter and an insurance company node identifier according to the identity-based private key and broadcasts in a block chain;
and the accounting node receives the broadcast message, takes the policy parameters as a public key, and verifies the identity card number according to the public parameters obtained by inquiring the insurance company node identification so as to determine the insurance result.
Preferably, in the step of obtaining policy parameters from the policy, the method comprises:
fragmenting the insurance policy;
calculating a hash value according to the fragments, wherein each fragment subjected to fragmentation processing of the insurance policy has a corresponding hash value corresponding to the hash value;
generating a Mercker tree according to the Hash value, wherein the Hash value is used as a bottom leaf node of the Mercker tree;
and performing hash calculation upwards layer by layer according to the bottom leaf node to obtain a root hash value of the Mercker tree, wherein the root hash value is the policy keeping parameter.
Preferably, in the step of generating the identity-based private key corresponding to the insurance user, the identity-based private key is calculated in the following manner:
identity-based private key (main Yue, public parameter, policy parameter)
Wherein: the main business is the key of the insurance company node; the public parameters are fixed parameters of the insurance company nodes in the block chain and are known to all the nodes in the block chain in a broadcasting mode; the policy parameter is a root hash value of the Mercker tree calculated by the policy that the insurance user wants to apply for the insurance kind.
Preferably, the number of the insurance company nodes is multiple, and the multiple insurance company nodes form an insurance alliance chain which is independent of the blockchain and connected with the blockchain; or the insurance federation chain is part of the block chain.
Preferably, the step of verifying the identity number according to the public parameter obtained by querying the insurance company node identifier by using the policy parameter as a public key comprises:
and if the identification card number passes verification, writing the insurance application record into a block chain account book, and ensuring successfully.
Preferably, the message interaction between the insurance user node and the insurance company node is performed in a non-blockchain manner, and includes: IP network or INTERNET network or mobile switching network.
An insurance application system based on a block chain comprises an insurance policy generation module, an identity-based key generation module, a decryption module and a verification module, wherein:
the insurance policy generation module is used for receiving the identity card number and the insurance variety to be applied of the insurance user by the insurance user node and generating an insurance policy according to the identity card number and the insurance variety to be applied; obtaining policy parameters according to the insurance policy, and sending the user node identification of the insurance user node, the user node public key and the policy parameters to insurance company nodes corresponding to the insurance variety to be applied;
the identity-based key generation module is used for receiving the user node identification, the user node public key and the insurance policy parameter by the insurance company node, generating an identity-based private key corresponding to the insurance application user, encrypting the identity-based private key through the user node public key, and sending the encrypted identity-based private key to the insurance application user node;
the decryption module is used for enabling the insurance user node to receive the encrypted identity-based private key, decrypting the identity-based private key by adopting a user node private key, signing the identity card number, the insurance policy parameter and the insurance company node identification corresponding to the insurance policy according to the identity-based private key, and broadcasting in a block chain;
and the verification module is used for receiving the broadcast message by the accounting node, taking the policy parameters as a public key, and verifying the identity card number according to the public parameters obtained by inquiring the insurance company node identification so as to determine the insurance application result.
Preferably, the policy generation module includes a fragmentation processing unit, a hash calculation unit, a merkel tree generation unit, and a root hash value calculation unit, wherein:
the fragmentation processing unit is used for carrying out fragmentation processing on the insurance policy;
the hash calculation unit is used for calculating a hash value according to the fragments, and each fragment subjected to fragmentation processing of the insurance policy has a corresponding hash value corresponding to the hash value;
the merkel tree generating unit is used for generating the merkel tree according to the hash value, and the hash value is used as a bottom leaf node of the merkel tree;
and the root hash value calculating unit is used for performing hash calculation upwards layer by layer according to the bottom layer leaf nodes to obtain a root hash value of the Mercker tree, and the root hash value is the policy keeping parameter.
Preferably, in the identity-based secret key generation module, the identity-based private key is calculated as follows:
identity-based private key (main Yue, public parameter, policy parameter)
Wherein: the main business is a key of the insurance company node; the public parameters are fixed parameters of the insurance company nodes in the block chain and are known to all the nodes in the block chain in a broadcasting mode; the policy parameter is a root hash value of the Mercker tree calculated by the policy that the insurance user wants to apply for the insurance kind.
Preferably, the system further comprises a communication module, configured to provide for message interaction between the insurance user node and the insurance company node in a non-blockchain manner, and the communication module includes: IP network or INTERNET network or mobile switching network.
The invention has the beneficial effects that:
according to the block chain-based insurance method and the corresponding block chain-based insurance system, the generation and storage of the insurance policy of the safer insurance risk are realized by using the decentralized block chain, the labor cost of each link of an insurance company is reduced, the characteristics of decentralized and non-falsification of the block chain are utilized to effectively prevent counterfeiting, and the insurance and claim settlement efficiency is improved; meanwhile, the problem of privacy of the insurance users is fully considered, the private key of each insurance user is distributed in the block chain in an identity-based private key mode, the benefit of the insurance user can be guaranteed as long as the private key of the insurance user is stored, the privacy insurance policy based on the block chain is realized, the privacy of the user is guaranteed, the safety is improved, and the user experience is improved.
Drawings
FIG. 1 is a flow chart of a block chain-based application method according to an embodiment of the present invention;
fig. 2 is a detailed flowchart of step S1) in fig. 1;
FIG. 3 is a schematic illustration of a Mercker tree;
FIG. 4 is a block diagram of a block chain-based application system according to an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a policy generation module shown in FIG. 4;
in the drawings, wherein:
1-a policy generation module; 11-a fragmentation processing unit; 12-a hash calculation unit; 13-a mercker tree generation unit; 14-a root hash value calculation unit;
2-identity based key generation module;
3-a decryption module;
4-verification module.
Detailed Description
In order to make those skilled in the art better understand the technical solution of the present invention, the block chain-based application method and the block chain-based application system of the present invention are further described in detail with reference to the accompanying drawings and the detailed description.
According to the block chain-based insurance application method, as shown in fig. 1, when an insurance application user fills in an insurance policy in a block chain for insurance application, the following process is followed:
step S1): the insurance application user node receives the identity card number and the insurance variety to be applied provided by the insurance application user, generates an insurance policy according to the identity card number and the insurance variety to be applied, obtains insurance policy parameters according to the insurance policy, and sends the user node identification, the user node public key and the insurance policy parameters of the insurance application user node to the insurance company node corresponding to the insurance variety to be applied.
In the step, the insurance user provides own identity card number and filled insurance risk to be applied. The insurance policy is automatically generated after the insurance policy is received by the insurance application user node, the insurance policy parameter is correspondingly obtained, the insurance policy parameter is sent to the insurance company node corresponding to the insurance policy to be applied selected by the insurance application user node, so as to apply an identity-based private key for the insurance company node to be applied, and the user node identification and the user node public key of the insurance application user in the block chain are simultaneously added in the application message. The Identity-Based key is an IBE private key (Identity Based Encryption), that is, the Identity (unique identification feature) of the user is used as the basis for generating the key, thereby simplifying key management.
Preferably, the insurance user provides the identification number and the insurance risk to be applied in a non-block chain mode, and the non-block chain mode comprises the following steps: IP network or INTERNET network or mobile switching network.
Wherein the policy parameter is a root hash value of the Mercker tree corresponding to the policy. The insurance policy is automatically generated after the insurance user node receives the insurance user identity card number and the insurance risk to be applied. In the step of obtaining policy parameters from the policy, as shown in fig. 2, the method includes:
step S11): fragmenting the insurance policy;
step S12): calculating a hash value according to the fragments, wherein each fragment subjected to fragmentation processing of the insurance policy has a corresponding hash value corresponding to the hash value;
step S13): generating a Mercker tree according to the Hash value, wherein the Hash value is used as a bottom leaf node of the Mercker tree;
step S14): and performing hash calculation upwards layer by layer according to the bottom leaf nodes to obtain a root hash value of the Mercker tree, wherein the root hash value is a policy keeping parameter.
Here, each fragment after fragmentation processing of the insurance policy has a corresponding hash value corresponding thereto, and serves as a leaf node of the mercker tree, the root node of the mercker tree is related to the entire constituent content of the entire insurance policy, and the root hash value of the mercker tree is sent to the corresponding insurance company node.
As shown in fig. 3, a merkel Tree (merkel Tree) is a kind of Tree in a data structure, and is also called merkel Hash Tree (merkel Hash Tree) because all nodes constructed by the merkel Tree are Hash values (Hash). The Mercker tree has the following characteristics:
a data tree can be a binary tree or a multi-branch tree, and has all the characteristics of a tree structure no matter a few-branch tree;
the value (value) on a leaf node of the merkel tree may be specified, for example, according to user design, such as taking a hash value of data as the value of the leaf node;
in this step, taking the hash values of all fragments of the insurance policy as leaf nodes, the generation of the merkel tree can be realized in two ways:
the first mode is as follows: the number of the Merck trees is multiple, the leaf nodes of other Merck trees except the last Merck tree are the same in number and are leaf node threshold values or preset leaf node numbers of block chains; the last merkel tree is accompanied by the number of leaf nodes of the tree at the end of the tree. In the generation process, when the number of leaf nodes of the merkel tree reaches the threshold number of leaf nodes or the number of leaf nodes of a non-last merkel tree of the same insurance policy agreed by the blockchain, the non-leaf nodes of one merkel tree start to generate, and then the rest hash values start to continue to serve as the leaf nodes to generate the next merkel tree until the hash values of all the shards serve as the leaf nodes to generate the merkel tree. For the non-last merkel tree of the same insurance policy, the size of the tree, i.e. the number of leaf nodes, is fixed, and for the last merkel tree of the same insurance policy, the number of leaf nodes of the tree is required to be attached to the last merkel tree of the same insurance policy.
The second mode is as follows: the merkel tree is just one, and the number of leaf nodes of the merkel tree is attached to the last leaf of the merkel tree. At this time, the hash values of all shards of the insurance policy are used as leaf nodes, one insurance policy generates one large Mercker tree, and the number of leaf nodes of the tree is attached to the end of the Mercker tree.
That is, the present embodiment may establish multiple merkel trees or only one merkel tree according to the insurance policy fragment, and the total leaf node number of the multiple merkel trees or only one merkel tree is equal. Under the condition of a certain quantity of fragments, the total leaf node quantity of a plurality of merkel trees or only one merkel tree is fixed. After the number of leaf nodes of a certain Mercker tree is determined, the value of a non-leaf node is calculated according to a certain algorithm according to the hash value of all the sub-nodes of the next layer.
The calculation method of the value of the non-leaf node at the upper layer of the leaf node of the Merckel tree comprises the following steps: combining all the leaf nodes of the next layer related to the non-leaf node, and then performing hash calculation on a combined result to obtain a hash value; and calculating the value of the previous layer of non-leaf nodes according to the value of the layer of non-leaf nodes, wherein the hash of the previous layer of non-leaf nodes with less number can be obtained layer by layer upwards, and finally an inverted tree is inevitably formed to obtain a value of the root node at the root position of the tree. That is, in the merkel tree, the root hash value may not be directly calculated, but two adjacent hash values are combined into a string, and then the hash value of the string is calculated, so that every two hash values obtain a hash value of a non-leaf node; and then upward layer by layer until a root hash value is obtained. For example, the Merck tree shown in FIG. 3 follows the above-mentioned Merck tree generation rule, and the hash value of node (c) is passed through node (c)
Node point
Is obtained by calculating the hash value of the node
Node point
The hash value above is then filled by the fragmented hash value of the policy fragmentation (e.g., node in FIG. 3)
Node point
The numbers below the equal nodes).
Particularly, if the number of leaf nodes at the bottom layer is singular, a single hash must be generated at last, and in this case, the hash operation is directly performed on the leaf nodes, so that the sub-hashes of the leaf nodes can be obtained; and similarly, layer by layer upwards until a root hash value is obtained.
Step S2): the insurance company node receives the user node identification, the user node public key and the policy parameters, generates an identity-based private key corresponding to the insurance user, encrypts the identity-based private key through the user node public key, and sends the encrypted identity-based private key to the insurance user node.
Corresponding to the above step, in this step, the insurance company node receives the user node identifier, the user node public key and the policy parameter (i.e. the root hash value of the mercker tree) in a non-blockchain manner, where the non-blockchain manner includes: IP network or INTERNET network or mobile switching network.
In the step, the insurance company node receives the root hash value of the Merck tree calculated according to the identity card number of the insurance user and the policy of the insurance kind to be applied in a non-block chain mode, generates the identity base private key corresponding to the policy parameter of the policy of the insurance kind, encrypts the identity base private key by using the public key of the insurance user node in the block chain as a secret key, and then sends the encrypted identity base private key to the insurance user node of the identity card number corresponding to the root hash value of the Merck tree calculated by the policy of the insurance kind in a non-block chain mode.
In this step, the identity-based private key is computed as follows:
identity-based private key (main Yue, public parameter, policy parameter)
Wherein: the main business (Masterkey) and the public parameter are possessed by the insurance company node, and the main business is the key of the insurance company node; the public parameter is a fixed parameter of the insurance company node in the block chain and is known to all nodes in the block chain in a broadcasting mode; the policy parameter is a root hash value of the Mercker tree calculated by the policy that the insurance user wants to apply for the insurance kind.
For the root hash value of the mercker tree calculated by the policy of the same insurance kind, because there is not only one insurance company node, different insurance company nodes have different public parameters, and the public parameters are different, the identity base private keys calculated by using different public parameters and main policies are necessarily different, so the corresponding public parameters need to be inquired. In a general block chain, only the public key is needed to verify the private key signature, but the identity-based private key adopted by the application method of the embodiment can verify the identity-based private key signature only by the public key and the public parameter, so that the application security of the user is further enhanced.
Step S3): and the insurance application user node receives the encrypted identity-based private key, decrypts the identity-based private key by adopting the user node private key, signs the identity card number, the insurance policy parameter and the insurance company node identification corresponding to the insurance policy according to the identity-based private key, and broadcasts in the block chain.
In the step, after receiving the encrypted identity-based private key sent by the insurance company node in a non-blockchain manner, the insurance application user node decrypts the encrypted identity-based private key by using the private key of the user node in the blockchain according to a pre-agreed algorithm to obtain the identity-based private key corresponding to the insurance policy in the application. The predetermined algorithm may be, for example, a hash calculation, and is not limited herein.
Corresponding to the previous step, the insurance user node in the step receives the identity-based private key in a non-blockchain mode, wherein the non-blockchain mode comprises the following steps: IP network or INTERNET network or mobile switching network.
The number of the insurance company nodes is multiple, the multiple insurance company nodes form an insurance alliance chain, and the insurance alliance chain is independent of the block chain and is connected with the block chain; alternatively, the insurance federation chain is part of a blockchain. That is, the insurance federation chain here is a federation block chain of multiple insurance company nodes. After the decryption of the identity-based private key is completed, the insurance user node signs the identity number, the policy parameters and the insurance company node identification through the identity-based private key and broadcasts the identity number, the policy parameters and the insurance company node identification to an insurance alliance chain together so as to prevent other insurance company nodes from distributing the root hash value of the Mercker tree calculated by the insurance policy of the insurance variety.
Step S4): and the accounting node receives the broadcast message, takes the policy parameters as a public key, and verifies the identity number according to the public parameters obtained by inquiring the insurance company node identification so as to determine the insurance result.
In the step, after the accounting node receives the broadcast information, the root hash value of the Merck tree calculated by the policy of the insurance kind to be applied for is used as a public key, public parameters broadcasted before the insurance company node are inquired in a block chain account book stored locally in the accounting node according to the insurance company node identification, so that the public parameters disclosed by the insurance company node are used by the accounting node, the identity number signed by the identity base private key is verified by the public parameters and the root hash value of the Merck tree calculated by the policy of the insurance kind of the public key of the insurance user node, and if the identity number passes verification, the identity number corresponding to the root hash value of the Merck tree calculated by the policy of the insurance kind and the root hash value of the Merck tree calculated by the policy of the insurance kind can be trusted, And the insurance application records are written into a new block of the block chain in a one-to-one correspondence mode, and then are written into a block chain account book, and the insurance application is successful.
After the identity number and the policy parameter calculated by the policy of the insurance kind to be applied for the insurance kind are written into the block chain account book by the accounting node, the insuring user can inquire the identity number corresponding to the root hash value of the Merck tree calculated by the policy of the insurance kind through the block chain account book to verify the identity number, namely once the identity number and the root hash value of the Merck tree calculated by the corresponding policy can be in one-to-one correspondence, anyone can not modify the policy no matter the insurance company or the insuring user himself, thereby ensuring the security of the policy.
Correspondingly, as shown in fig. 4, this embodiment further provides a block chain-based insurance system, which includes a policy generation module 1, an identity-based key generation module 2, a decryption module 3, and a verification module 4, where:
the insurance policy generating module 1 is used for receiving the identity number and the insurance type to be applied of the insurance user by the insurance user node and generating an insurance policy according to the identity number and the insurance type to be applied; acquiring policy parameters according to the insurance policy, and sending the user node identification of the insurance user node, the user node public key and the policy parameters to insurance company nodes corresponding to insurance varieties to be applied;
the identity-based key generation module 2 is used for receiving the user node identification, the user node public key and the policy parameters by the insurance company node, generating an identity-based private key corresponding to the insurance application user, encrypting the identity-based private key through the user node public key, and sending the encrypted identity-based private key to the insurance application user node;
the decryption module 3 is used for receiving the encrypted identity-based private key by the insurance user node, decrypting the identity-based private key by adopting the user node private key, signing the identity card number, the insurance policy parameter and the insurance company node identification corresponding to the insurance policy according to the identity-based private key, and broadcasting in the block chain;
and the verification module 4 is used for receiving the broadcast message by the accounting node, taking the policy parameters as a public key, verifying the identity card number according to the public parameters obtained by inquiring the insurance company node identification, and determining the insurance result.
As shown in fig. 5, the policy generation module 1 includes a fragmentation processing unit 11, a hash calculation unit 12, a merkel tree generation unit 13, and a root hash value calculation unit 14, where:
the fragmentation processing unit 11 is used for performing fragmentation processing on the insurance policy;
the hash calculation unit 12 is configured to calculate a hash value according to the fragments, and each fragment subjected to fragmentation processing by the policy has a corresponding hash value corresponding to the hash value;
a merkel tree generating unit 13, configured to generate a merkel tree according to a hash value, where the hash value is used as a bottom leaf node of the merkel tree;
and the root hash value calculation unit 14 is configured to perform hash calculation upward layer by layer according to the bottom-layer leaf nodes to obtain a root hash value, where the root hash value is a policy parameter.
In the identity-based key generation module, the identity-based private key is calculated in the following way:
identity-based private key (main Yue, public parameter, policy parameter)
Wherein: the main business and the public parameter are possessed by the insurance company node, and the main business is a key of the insurance company node; the public parameter is a fixed parameter of the insurance company node in the block chain and is known to all nodes in the block chain in a broadcasting mode; the policy parameter is a root hash value of the Mercker tree calculated by the policy that the insurance user wants to apply for the insurance kind.
Preferably, the block chain-based insurance system further includes a communication module, which is used for performing message interaction between the insurance user node and the insurance company node in a non-block chain manner, and includes: IP network or INTERNET network or mobile switching network.
According to the block chain-based insurance method and the corresponding block chain-based insurance system, the generation and storage of the insurance policy of the safer insurance risk are realized by using the decentralized block chain, the labor cost of each link of an insurance company is reduced, the characteristics of decentralized and non-falsification of the block chain are utilized to effectively prevent counterfeiting, and the insurance and claim settlement efficiency is improved; meanwhile, the problem of privacy of the insurance users is fully considered, the private key of each insurance user is distributed in the block chain in an identity-based private key mode, the benefit of the insurance user can be guaranteed as long as the private key of the insurance user is stored, the privacy insurance policy based on the block chain is realized, the privacy of the user is guaranteed, the safety is improved, and the user experience is improved.
It will be understood that the above embodiments are merely exemplary embodiments taken to illustrate the principles of the present invention, which is not limited thereto. It will be apparent to those skilled in the art that various modifications and improvements can be made without departing from the spirit and substance of the invention, and these modifications and improvements are also considered to be within the scope of the invention.
Claims (6)
1. An insurance method based on a block chain is characterized by comprising the following steps:
the insurance application user node receives the identity card number and the insurance variety to be applied provided by the insurance application user, and generates an insurance policy according to the identity card number and the insurance variety to be applied; obtaining policy parameters according to the insurance policy, and sending the user node identification of the insurance user node, the user node public key and the policy parameters to insurance company nodes corresponding to the insurance variety to be applied;
the insurance company node receives a user node identifier, a user node public key and the policy parameters, generates an identity-based private key corresponding to an insurance user, encrypts the identity-based private key through the user node public key, and sends the encrypted identity-based private key to the insurance user node;
the insurance application user node receives the encrypted identity-based private key, decrypts the identity-based private key by adopting a user node private key, signs an identity card number corresponding to the insurance policy, the insurance policy parameter and an insurance company node identifier according to the identity-based private key and broadcasts in a block chain;
the accounting node receives the broadcast message, takes the policy parameters as a public key, and verifies the identity card number according to the public parameters obtained by inquiring the insurance company node identification so as to determine the insurance result;
in the step of obtaining policy parameters from the policy, comprising:
fragmenting the insurance policy;
calculating a hash value according to the fragments, wherein each fragment subjected to fragmentation processing of the insurance policy has a corresponding hash value corresponding to the hash value;
generating a Mercker tree according to the Hash value, wherein the Hash value is used as a bottom leaf node of the Mercker tree;
according to the bottom leaf nodes, carrying out hash calculation upwards layer by layer to obtain root hash values of the Mercker tree, wherein the root hash values are the policy keeping parameters;
in the step of generating the identity-based private key corresponding to the insurable user, the identity-based private key is calculated in the following manner:
identity based private key = Fibe (main Yue, public parameter, policy parameter)
Wherein: the main business is the key of the insurance company node; the public parameters are fixed parameters of the insurance company nodes in the block chain and are known to all the nodes in the block chain in a broadcasting mode; the policy parameter is a root hash value of the Mercker tree calculated by the policy that the insurance user wants to apply for the insurance kind.
2. The blockchain-based insurance method according to claim 1, wherein the number of insurance company nodes is plural, and the plural insurance company nodes constitute an insurance alliance chain;
the insurance federation chain is independent of and connected to the blockchain; or the insurance federation chain is part of the block chain.
3. The method for insuring a block chain-based insurance according to claim 1, wherein the step of verifying the identification number by using the policy parameter as a public key and according to the public parameter obtained by the node identifier query of the insurance company comprises:
and if the identification number passes verification, writing the insurance application record into the block chain account book, and ensuring successfully.
4. The blockchain-based insurance method according to claim 1, wherein the message interaction between the insurance user node and the insurance company node is performed in a non-blockchain manner, and includes: IP network or INTERNET network or mobile switching network.
5. The utility model provides an insurable system based on block chain, which characterized in that, includes policy generation module, identity base key generation module, decryption module and verification module, wherein:
the insurance policy generation module is used for receiving the identity card number and the insurance variety to be applied of the insurance user by the insurance user node and generating an insurance policy according to the identity card number and the insurance variety to be applied; obtaining policy parameters according to the insurance policy, and sending the user node identification of the insurance user node, the user node public key and the policy parameters to insurance company nodes corresponding to the insurance variety to be applied;
the identity-based key generation module is used for receiving the user node identification, the user node public key and the insurance policy parameter by the insurance company node, generating an identity-based private key corresponding to the insurance application user, encrypting the identity-based private key through the user node public key, and sending the encrypted identity-based private key to the insurance application user node;
the decryption module is used for enabling the insurance user node to receive the encrypted identity-based private key, decrypting the identity-based private key by adopting a user node private key, signing the identity card number, the insurance policy parameter and the insurance company node identification corresponding to the insurance policy according to the identity-based private key, and broadcasting in a block chain;
the verification module is used for receiving the broadcast message by the accounting node, taking the policy parameters as a public key, verifying the identity card number according to the public parameters obtained by inquiring the insurance company node identification, and determining the insurance application result;
the policy generation module comprises a fragmentation processing unit, a hash calculation unit, a Mercker tree generation unit and a root hash value calculation unit, wherein:
the fragmentation processing unit is used for carrying out fragmentation processing on the insurance policy;
the hash calculation unit is used for calculating a hash value according to the fragments, and each fragment subjected to fragmentation processing of the insurance policy has a corresponding hash value corresponding to the hash value;
the merkel tree generating unit is used for generating the merkel tree according to the hash value, and the hash value is used as a bottom leaf node of the merkel tree;
the root hash value calculating unit is used for performing hash calculation upwards layer by layer according to the bottom layer leaf nodes to obtain a root hash value of the Mercker tree, and the root hash value is the policy keeping parameter;
in the identity-based secret key generation module, the identity-based private key is calculated in the following manner:
identity based private key = Fibe (main Yue, public parameter, policy parameter)
Wherein: the main business is a key of the insurance company node; the public parameters are fixed parameters of the insurance company nodes in the block chain and are known to all the nodes in the block chain in a broadcasting mode; the policy parameter is a root hash value of the Mercker tree calculated by the policy that the insurance user wants to apply for the insurance kind.
6. The blockchain-based insurance system of claim 5, further comprising a communication module for message interaction between the insurance user node and the insurance company node in a non-blockchain manner, including: IP network or INTERNET network or mobile switching network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910054407.5A CN109785170B (en) | 2019-01-21 | 2019-01-21 | Block chain-based insurance application method and block chain-based insurance application system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910054407.5A CN109785170B (en) | 2019-01-21 | 2019-01-21 | Block chain-based insurance application method and block chain-based insurance application system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN109785170A CN109785170A (en) | 2019-05-21 |
| CN109785170B true CN109785170B (en) | 2021-01-29 |
Family
ID=66501801
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910054407.5A Active CN109785170B (en) | 2019-01-21 | 2019-01-21 | Block chain-based insurance application method and block chain-based insurance application system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109785170B (en) |
Families Citing this family (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111222996B (en) * | 2019-12-31 | 2023-09-22 | 湖南大学 | Method and storage medium for trade risk financing based on blockchain |
| CN111382454B (en) * | 2020-03-10 | 2021-03-16 | 广东工业大学 | Network identity protection method and device, electronic equipment and storage medium |
| CN111429290A (en) * | 2020-03-24 | 2020-07-17 | 杭州溪塔科技有限公司 | Block chain-based insurance clearing method and device and electronic equipment |
| CN111556115B (en) * | 2020-04-22 | 2023-04-21 | 财付通支付科技有限公司 | Block chain-based data processing method, device, equipment and storage medium |
| CN111857979B (en) * | 2020-06-28 | 2023-08-15 | 厦门极致互动网络技术股份有限公司 | Information management method, system, storage medium and equipment of distributed system |
| CN112333269A (en) * | 2020-11-03 | 2021-02-05 | 平安科技（深圳）有限公司 | Block chain network storage structure, working method, device, medium and equipment |
| CN112561528B (en) * | 2020-12-16 | 2023-08-15 | 深圳市大中华区块链科技有限公司 | Bill value circulation system and method based on blockchain technology |
| CN112598516A (en) * | 2020-12-22 | 2021-04-02 | 精英数智科技股份有限公司 | Insurance application method and device based on block chain |
| CN112950395B (en) * | 2021-03-04 | 2024-04-30 | 湖南大学 | Insurance claim settlement method, equipment and storage medium based on blockchain |
| CN113409154A (en) * | 2021-05-10 | 2021-09-17 | 精英数智科技股份有限公司 | Credible storage-based liability insurance processing method and system |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101937544A (en) * | 2009-08-24 | 2011-01-05 | 李连海 | Self-service insurance sales real-name electronic policy issuing method and system |
| CN104618107A (en) * | 2014-12-29 | 2015-05-13 | 广东信鉴信息科技有限公司 | Digital signature method and system |
| CN107360156A (en) * | 2017-07-10 | 2017-11-17 | 广东工业大学 | P2P network method for cloud storage based on block chain under a kind of big data environment |
| CN108566275A (en) * | 2018-04-20 | 2018-09-21 | 中国联合网络通信集团有限公司 | Identity identifying method, device and block chain node |
| CN108768630A (en) * | 2018-05-25 | 2018-11-06 | 全链通有限公司 | The encryption communication method and system of block chain node |
| CN108830733A (en) * | 2018-06-21 | 2018-11-16 | 中国银行股份有限公司 | A kind of information processing method, block scm cluster and system |
| CN109102411A (en) * | 2018-07-26 | 2018-12-28 | 厦门快商通信息技术有限公司 | A kind of settlement of insurance claim method and system based on block chain intelligence contract technology |
| CN109102412A (en) * | 2018-07-27 | 2018-12-28 | 中国联合网络通信集团有限公司 | Information of vehicles processing method, equipment and storage medium |
| CN109190403A (en) * | 2018-07-09 | 2019-01-11 | 南京邮电大学 | A kind of express delivery bill kept on file method for secret protection based on block chain |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105719185B (en) * | 2016-01-22 | 2019-02-15 | 杭州复杂美科技有限公司 | The data comparison and common recognition method of block chain |
| US20190189254A1 (en) * | 2016-05-17 | 2019-06-20 | Nokia Technologies Oy | Method, device and system for verifying user health data |
| CN109039655A (en) * | 2018-09-13 | 2018-12-18 | 全链通有限公司 | Real name identity identifying method and device, identity block chain based on block chain |
-
2019
- 2019-01-21 CN CN201910054407.5A patent/CN109785170B/en active Active
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101937544A (en) * | 2009-08-24 | 2011-01-05 | 李连海 | Self-service insurance sales real-name electronic policy issuing method and system |
| CN104618107A (en) * | 2014-12-29 | 2015-05-13 | 广东信鉴信息科技有限公司 | Digital signature method and system |
| CN107360156A (en) * | 2017-07-10 | 2017-11-17 | 广东工业大学 | P2P network method for cloud storage based on block chain under a kind of big data environment |
| CN108566275A (en) * | 2018-04-20 | 2018-09-21 | 中国联合网络通信集团有限公司 | Identity identifying method, device and block chain node |
| CN108768630A (en) * | 2018-05-25 | 2018-11-06 | 全链通有限公司 | The encryption communication method and system of block chain node |
| CN108830733A (en) * | 2018-06-21 | 2018-11-16 | 中国银行股份有限公司 | A kind of information processing method, block scm cluster and system |
| CN109190403A (en) * | 2018-07-09 | 2019-01-11 | 南京邮电大学 | A kind of express delivery bill kept on file method for secret protection based on block chain |
| CN109102411A (en) * | 2018-07-26 | 2018-12-28 | 厦门快商通信息技术有限公司 | A kind of settlement of insurance claim method and system based on block chain intelligence contract technology |
| CN109102412A (en) * | 2018-07-27 | 2018-12-28 | 中国联合网络通信集团有限公司 | Information of vehicles processing method, equipment and storage medium |
Non-Patent Citations (1)
| Title |
|---|
| "区块链技术在金融创新中的运用探索";张雪莲等;《时代金融》;20181231(第30期);第46-48页 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN109785170A (en) | 2019-05-21 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109785170B (en) | Block chain-based insurance application method and block chain-based insurance application system | |
| CN109858262B (en) | Process approval method, device and system based on block chain system and storage medium | |
| CN106611372B (en) | Credit investigation data query method and system | |
| CN106357396B (en) | Digital signature method and system and quantum key card | |
| US8799981B2 (en) | Privacy protection system | |
| CN109145540B (en) | Intelligent terminal identity authentication method and device based on block chain | |
| CN112134695B (en) | Cloud platform management method and system based on quantum key distribution technology | |
| CN113067699B (en) | Data sharing method and device based on quantum key and computer equipment | |
| CN1922816B (en) | One way authentication | |
| CN108537046A (en) | A kind of online contract signature system and method based on block chain technology | |
| CN108964892B (en) | Generation method, application method, management system and the application system of trusted application mark | |
| CN110601815B (en) | Block chain data processing method and equipment | |
| CN103078841A (en) | Method and system for preventive electronic data security | |
| CN109687965A (en) | The real name identification method of subscriber identity information in a kind of protection network | |
| CN111815321A (en) | Transaction proposal processing method, device, system, storage medium and electronic device | |
| CN101296083A (en) | Enciphered data transmission method and system | |
| CN109245894A (en) | A kind of distributed cloud storage system based on intelligent contract | |
| CN104125230A (en) | Short message authentication service system and authentication method | |
| CN108923928B (en) | Digital certificate revocation system and method based on block chain | |
| CN107426223A (en) | Cloud file encryption and decryption method, encryption and decryption device and processing system | |
| CN111882410A (en) | Tax information query method and system based on block chain | |
| CN113111386A (en) | Privacy protection method for block chain transaction data | |
| Van Aubel et al. | Non-repudiation and End-to-End security for electric-vehicle charging | |
| CN112330443A (en) | Public credit information system based on block chain | |
| CN111049649A (en) | Zero-interaction key negotiation security enhancement protocol based on identification password |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |