CN110070453A - A kind of insurance system and method based on block chain - Google Patents
A kind of insurance system and method based on block chain Download PDFInfo
- Publication number
- CN110070453A CN110070453A CN201910270171.9A CN201910270171A CN110070453A CN 110070453 A CN110070453 A CN 110070453A CN 201910270171 A CN201910270171 A CN 201910270171A CN 110070453 A CN110070453 A CN 110070453A
- Authority
- CN
- China
- Prior art keywords
- insurance
- medical
- block chain
- account
- numerical value
- 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.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Databases & Information Systems (AREA)
- General Physics & Mathematics (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Marketing (AREA)
- Computing Systems (AREA)
- Economics (AREA)
- Data Mining & Analysis (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of insurance system and method based on block chain, is related to block chain correlative technology field.The insurance system and method based on block chain, pass through the setting of block chain, realize the effect of decentralization, decentralization means to be dispersed with numerous nodes in block chain network, can freely connect between node and node and carry out exchanging for data, assets, information etc.；Medical system, insurance system are tied using block catenary system, avoid the behavior of user's insurance fraud, crowd is also raised into system and block catenary system is tied, at this time, if block chain serves as a trust third party, by cooperating with insurance company, it realizes mutual assistance, the crowd of mutual assistance is raised into the amount of money and is divided into insurance mechanism, contributor then increases by one point of trust point, when next contributor has unexpectedly incident, it is raised altogether preferentially, substantially increases the degree of belief of user, is also easier to raise fund, mutual aid in the society is improved, the harmonious fine society of construction is promoted.
Description
Technical field
The present invention relates to block chain correlative technology field, specially a kind of insurance system and method based on block chain.
Background technique
Block chain is the novel of the computer technologies such as Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm
Application model.Block chain is a key concept of bit coin, it is substantially the database of a disintermediation, while conduct
The Floor layer Technology of bit coin is a string of data blocks using the associated generation of cryptography method, contains in each data block
The information of bit coin network trading, for verifying the validity (anti-fake) of its information and generating next block.Narrow sense is come
It says, block chain is a kind of a kind of chained record knot for being sequentially in time combined into data block in such a way that sequence is connected
Structure, and the distributed account book that can not be distorted He can not forge guaranteed in a manner of cryptography.Broadly, block chain technology is benefit
Verified with block linked data structure with storing data, using distributed node know together algorithm come generate and more new data, utilize
The mode of cryptography is guaranteed the safety of data transmission and access, is programmed using the intelligent contract being made of automatized script code
Completely new distributed basis framework and calculation with one kind of operation data.It is, in general, that block catenary system is by data Layer, net
Network layers, common recognition layer, excitation layer, contract layer and application layer composition.Wherein, data Layer encapsulates bottom data block and relevant
The basic datas such as data encryption and timestamp and rudimentary algorithm；Network layer then includes distributed networking mechanism, data dissemination mechanism
With data authentication mechanism etc.；All kinds of common recognition algorithms of common recognition layer predominant package network node；Economic factor is integrated by excitation layer
Block chain technical system, main issuing mechanism and distribution mechanism etc. including economic incentives；Contract layer predominant package is all kinds of
Script, algorithm and intelligent contract, are the bases of block chain programmable features；Application layer then encapsulates the various applied fields of block chain
Scape and case.In the model, the common recognition mechanism of chain type block structure, distributed node based on timestamp calculates power based on common recognition
Economic incentives and the intelligent contract of flexible programmable be the most representative innovative point of block chain technology.Block chain mainly solves
Transaction trust and safety problem, therefore it proposes four technological innovations for this problem: first is distribution account
This, exactly transaction book keeping operation completed jointly by the multiple nodes for being distributed in different places, and each node record be
Whole account, therefore they can participate in supervision transaction legitimacy, while can also testify jointly for it.With traditional distribution
Formula storage is different, and the uniqueness of the distributed storage of block chain is mainly reflected in two aspects: first is that each section of block chain
Point stores complete data all in accordance with block chain structure, and traditional distributed storage is usually to be divided into data according to certain rules
More parts are stored.Second is that each node storage of block chain is that independent, status is equivalent, guarantee storage by common recognition mechanism
Consistency, and traditional distributed storage generally by central node toward other backup node synchrodatas.There is no any one
A node can individually record account book data, be controlled or remembered by bribery the possibility of false account so as to avoid single book keeping operation people
Property.Also due to accounting nodes are enough, theoretically except not all node is destroyed, otherwise account would not be lost, thus
It ensure that the safety of account data.Second is called asymmetric encryption and authorization technique, the transaction letter being stored on block chain
Breath is disclosed, but account identity information is that height encrypts, and could only be accessed in the case where data owner authorizes
It arrives, to ensure that the safety and personal privacy of data.Third is called common recognition mechanism, be exactly between all accounting nodes why
Reach common understanding, goes the validity for assert a record, this is both the means of identification, and prevents the means distorted.Block chain
It proposes four kinds of different common recognition mechanism and obtains balance between efficiency and safety suitable for different application scenarios.Block
The common recognition mechanism of chain has the characteristics of " the minority is subordinate to the majority " and " Everyone is equal ", wherein " the minority is subordinate to the majority " is not fully
Refer to node number, is also possible to the characteristic quantity that computing capability, equity number or other computers can compare." Everyone is equal "
It is when node meets condition, all nodes are all had the right after preferentially proposing common recognition result, directly being accepted by other nodes and last
It is likely to become final common recognition result.By taking bit coin as an example, using proof of work, only it is more than controlling the whole network
In the case where 51% accounting nodes, is possible to puppet and produces the record being not present.When the node that block chain is added is enough
When more, this is substantially impossible, to prevent the possibility faked.The last one technical characterstic is intelligent contract, intelligence
Contract is some rules pre-defined of execution and item that can automate based on these believable data that can not be distorted
Money.By taking insurance as an example, if everyone information (information occurred including medical information and risk) be it is genuine and believable,
That just easily in some standardized insurance products, goes the Claims Resolution automated.
Insurance company refers to the corporate juridical person set up according to insurance law and company law.Insurance company collects premium, by premium institute
Capital investment is obtained in assets such as bond, stock, loans, takes in insure determined by payment declaration form with these asset incomes and pay for
It repays.Insurance company can be obtained high return in investment and be provided suitably with lower premium to client by above-mentioned business
Insurance service, to get a profit.The business of insurance company is divided into two classes: (1) personal insurance business, including life insurance, health
The insurance businesses such as insurance, accident/injury insurance.(2) property insurance business, including property loss insurance, liability insurance, credit guarantor
Danger guarantees the insurance businesses such as insurance.The insurance company in China must not generally concurrently engage in personal insurance business and property insurance business.It is existing
In the presence of by the risk of insurance fraud when row insurance company settles a claim, in addition, some crowds are when occurring major accident, even if insurance company's compensation
Certain amount of money is paid, remaining amount of money numerical value is also that can't afford for the user, at this time, if block chain serves as one
A trust third party realizes mutual assistance, the crowd of mutual assistance is raised the amount of money and is divided into insurance mechanism, contributor by cooperating with insurance company
Then increase by one point of trust point, when next contributor has unexpectedly incident, it is raised altogether preferentially, substantially increases user's
Degree of belief is also easier to raise fund.
Summary of the invention
(1) the technical issues of solving
In view of the deficiencies of the prior art, the present invention provides a kind of insurance system and method based on block chain, solves
Existing insurance mechanism is existed and cannot be born with certain crowds the remaining medical treatment amount of money when major accident occurs by the risk of insurance fraud
The problem of numerical value.
(2) technical solution
In order to achieve the above object, the present invention is achieved by the following technical programs: a kind of insurance system based on block chain
System, including block catenary system, the block catenary system include distributed account book, asymmetric encryption and authoring system, common recognition mechanism
With intelligent contract, the block catenary system is linked with medical system, insurance system and crowd and raises system, and the medical system includes doctor
Data and patient's basic document are treated, the medical data includes the medical certificate of patient and the detail of medical expense, the medical treatment number
It is written into block catenary system according to by medical system, the insurance system includes Claims Resolution system, and recording in the Claims Resolution system has
Declaration form event, the declaration form event include virtual account and the corresponding virtual declaration form of virtual account, and the virtual declaration form includes one
A virtual algorithm, crowd's system of raising include that medical certificate system, covering note system, personal proof system and crowd raise platform.
Further, the distributed account book includes the multiple accounting nodes for being distributed in different places, each book keeping operation
Node according to block chained structured record and stores complete account, participates in supervision transaction legitimacy.
Further, the asymmetric encryption and authoring system are used for block catenary system, so that being stored on block chain
Transaction Information be it is disclosed, but account identity information be height encrypt, only data owner authorize in the case where
It can just be accessed.
Further, the common recognition mechanism is a kind of common recognition system of accounting nodes part, specifically according to insurance system
System and formulate, the common recognition mechanism guarantees the consistency of accounting nodes storage in distributed account book, so that accounting nodes store
Independence and status identity property.
Further, the intelligent contract is some rule pre-defined for being executed automatically based on accounting nodes data
The automation Claims Resolution then carried out with clause, specific algorithm are identical with clause with the rule of the virtual algorithm of virtual declaration form.
Further, the virtual declaration form and virtual account correspond, and the amount of money numerical value of the virtual declaration form is according to every
The difference for the insured amount that a subscriber data is submitted and a corresponding corresponding numerical value are specifically with the regulatory of insurance company
Standard, the amount for which loss settled of the Claims Resolution system are not more than the amount of money numerical value of virtual declaration form.
Further, patient's basic document in the medical system includes height, age, the weight, marriage shape of patient
Condition, health status, annual income and academic situation, the medical system further includes having a medical analysis module, the medical treatment
The algorithm of analysis module is depending on the system of insurance company.
Further, the Claims Resolution system is each with corresponding to the end system, bank per family by network connection bank's end system
Unique bank card and bank's card number under the account of system, the medical treatment amount of money that can deduct are withdrawn deposit to bank card, and selection is directly used in
The medical bills of medical system deduct or extract cash as the amount of money and use.
Further, the crowd raises platform also by network connection bank's end system, and the crowd raises the corresponding account of platform
The account of bank corresponding with everyone end system is an account.
A method of the insurance system based on block chain, including following method and step:
Step 1: medical information typing block chain: by the distribution of the declaration form event write-in block catenary system of insurance system
On account book, during medical treatment carries out, block linkwork is also written in the medical data of patient and patient's basic document by medical staff
In system on the accounting nodes of distributed account book, the equal complete documentation of everyone complete data is on accounting nodes；
Step 2: message audit stage and crowd raise inspection phase: being saved using the intelligent contract in block catenary system to book keeping operation
The declaration form event of data and insurance system write-in on point is analyzed and is calculated, and the Claims Resolution number that the user should receive is calculated
Value, wherein if Claims Resolution numerical value is not more than the numerical value of virtual declaration form, using numerical value of settling a claim as final Claims Resolution numerical value, numerical value of settling a claim
If more than the numerical value of virtual declaration form, then using the numerical value of virtual declaration form as final Claims Resolution numerical value；If user applies for that crowd raises, user
It needs to apply for that apply for insurance company, the medical staff of hospital will demonstrate that material passes through to the hospital for carrying out medical treatment
Block catenary system is written in medical certificate system, and the related personnel of insurance company will demonstrate that material is also written by covering note system
Personal testimonial material is passed through personal proof system and block chain is written by block chain, end user；
Step 3: the end-nucleus stage: above-mentioned Claims Resolution numerical value passes through the audit of insurance company related personnel, after the approval, protects
Matching amount is divided under user's account by dangerous system, and needs to carry out many users raised, many after the audit of intelligent contract is up to standard
It raises system initiation crowd to raise, crowd raises the amount of money and is divided under the account of the user, and provides the personnel of contribution, and contribution number is written into use
In the corresponding accounting nodes in family, Claims Resolution next time or crowd possess priority when raising.
(3) beneficial effect
The invention has the following advantages:
(1), insurance system and method based on block chain are somebody's turn to do and the effect of decentralization are realized by the setting of block chain,
Decentralization means to be dispersed with numerous nodes in block chain network, can freely connect and be counted between node and node
According to, the exchange of assets, information etc., without by third party's central authority, and then insurance intermediaries expense is effectively reduced, protects at present
The user data of dangerous industry is very deficient, and information is completely independent between each insurance institution, and the data Monodispersed of client is stored in pair
In the mechanism that accepts insurance answered, the opaque probability for leading to insurance fraud of information is substantially increased, and improves the business risk of insurance company, and
Using the related data of block chain storage insurer, so that insurer and the insurance institution contracted are mutually indepedent, it is lonely to solve information
Island problem.Perfect behavior record is not only able to effectively inhibit the insurance fraud behavior of " bad risk " insurer that can also help to simplify
The routine works such as Insurance Company Underwriting；Information on block chain is open and clear, by proving that mechanism can be to a person certainly
Part information, every transaction record etc. are verified, and cost has been saved；The manual operation of traditional settlement of insurance claim is avoided, insurance is public
Verification when department assigns special messenger to carry out case needs huge manpower and material resources and time cost, solves insurance industry " most
The problem of latter kilometer ", insurance company realizes, and the claim provision of detail is all written in intelligent contracts, when touching correlation
Regulation, Claims Resolution contract starts automatically and not by extraneous artificial interference, so that Claims Resolution process is more efficient, specification and rigidity；This
Outside, block chain has unique common recognition mechanism, and distinctive open and distributed network makes compensation behavior open and clear, holds
Packet unit can be easy to view insurer with the presence or absence of the behaviors for carrying out multiple claims in different danger enterprises to same event.
(2), it is somebody's turn to do insurance system and method based on block chain, utilizes block catenary system to join medical system, insurance system
Knot gets up, and avoids the behavior of user's insurance fraud, and crowd is also raised system and block catenary system is tied, at this time, if block chain
A trust third party is served as, by cooperating with insurance company, the crowd of mutual assistance is raised the amount of money and is divided into insurance mechanism by realization mutual assistance,
Contributor then increases by one point of trust point, when next contributor has unexpectedly incident, is preferentially raised altogether it, is substantially increased
The degree of belief of user is also easier to raise fund, improves mutual aid in the society, promotes the harmonious fine society of construction.
Certainly, it implements any of the products of the present invention and does not necessarily require achieving all the advantages described above at the same time.
Detailed description of the invention
Fig. 1 is main body frame theory structure schematic diagram of the present invention；
Fig. 2 is block catenary system circuit theory schematic diagram of the present invention；
Fig. 3 is medical system circuit theory schematic diagram of the present invention；
Fig. 4 is insurance system circuit theory schematic diagram of the present invention；
Fig. 5 is that crowd of the present invention raises system frame structure schematic diagram.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
In the description of the present invention, it is to be understood that, term " aperture ", "upper", "lower", " thickness ", "top", " in ",
Indicating positions or the positional relationship such as " length ", "inner", " surrounding ", are merely for convenience of description of the present invention and simplification of the description, without
It is that the component of indication or suggestion meaning or element must have a particular orientation, is constructed and operated in a specific orientation, therefore not
It can be interpreted as limitation of the present invention.
Fig. 1-5 is please referred to, the embodiment of the present invention provides a kind of technical solution: a kind of insurance system based on block chain, packet
Block catenary system is included, block catenary system includes that distributed account book, asymmetric encryption and authoring system, common recognition mechanism and intelligence are closed
About, distributed account book includes the multiple accounting nodes for being distributed in different places, and each accounting nodes are remembered according to block chain structure
Complete account is recorded and stored, supervision transaction legitimacy is participated in, common recognition mechanism is a kind of common recognition system of accounting nodes part, specifically
Ground is formulated according to the system of insurance system, and common recognition mechanism guarantees the consistency of accounting nodes storage in distributed account book, so that
The independence and status identity property of accounting nodes storage, intelligent contract are some pre- to be executed automatically based on accounting nodes data
The rule and clause of the virtual algorithm of the automation Claims Resolution that the rule and clause first defined carries out, specific algorithm and virtual declaration form
Identical, asymmetric encryption and authoring system are used for block catenary system, so that the Transaction Information being stored on block chain is open
, but account identity information is that height encrypts, and only can be just accessed in the case where data owner authorizes, block chain
System connection has medical system, insurance system and crowd to raise system, and medical system includes medical data and patient's basic document, medical treatment
Data include the medical certificate of patient and the detail of medical expense, patient's basic document in medical system include patient height,
Age, weight, marital status, health status, annual income and academic situation, medical system further includes having a medical analysis mould
Block, for the algorithm of medical analysis module depending on the system of insurance company, medical data is written into block chain by medical system
System, insurance system include Claims Resolution system, and Claims Resolution system is each with corresponding to the bank per family by network connection bank's end system
Unique bank card and bank's card number under the account of end system, the medical treatment amount of money that can deduct are withdrawn deposit to bank card, and selection is directly used in
The medical bills of medical system deduct or extract cash as the amount of money and use, and record has declaration form event, declaration form in Claims Resolution system
Event includes virtual account and the corresponding virtual declaration form of virtual account, and virtual declaration form and virtual account correspond, virtual declaration form
The difference of insured amount submitted according to each subscriber data of amount of money numerical value and a corresponding corresponding numerical value, specifically with insurance
Subject to the regulatory of company, the amount for which loss settled for system of settling a claim is not more than the amount of money numerical value of virtual declaration form, and virtual declaration form includes one
A virtual algorithm, crowd's system of raising include that medical certificate system, covering note system, personal proof system and crowd raise platform, and crowd raises
Platform raises the account of the corresponding account of platform bank's end system corresponding with everyone also by network connection bank's end system, crowd
For an account.
When work, including following method and step:
Step 1: medical information typing block chain: by the distribution of the declaration form event write-in block catenary system of insurance system
On account book, during medical treatment carries out, block linkwork is also written in the medical data of patient and patient's basic document by medical staff
In system on the accounting nodes of distributed account book, the equal complete documentation of everyone complete data is on accounting nodes；
Step 2: message audit stage and crowd raise inspection phase: being saved using the intelligent contract in block catenary system to book keeping operation
The declaration form event of data and insurance system write-in on point is analyzed and is calculated, and the Claims Resolution number that the user should receive is calculated
Value, wherein if Claims Resolution numerical value is not more than the numerical value of virtual declaration form, using numerical value of settling a claim as final Claims Resolution numerical value, numerical value of settling a claim
If more than the numerical value of virtual declaration form, then using the numerical value of virtual declaration form as final Claims Resolution numerical value；If user applies for that crowd raises, user
It needs to apply for that apply for insurance company, the medical staff of hospital will demonstrate that material passes through to the hospital for carrying out medical treatment
Block catenary system is written in medical certificate system, and the related personnel of insurance company will demonstrate that material is also written by covering note system
Personal testimonial material is passed through personal proof system and block chain is written by block chain, end user；
Step 3: the end-nucleus stage: above-mentioned Claims Resolution numerical value passes through the audit of insurance company related personnel, after the approval, protects
Matching amount is divided under user's account by dangerous system, and needs to carry out many users raised, many after the audit of intelligent contract is up to standard
It raises system initiation crowd to raise, crowd raises the amount of money and is divided under the account of the user, and provides the personnel of contribution, and contribution number is written into use
In the corresponding accounting nodes in family, Claims Resolution next time or crowd possess priority when raising.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality
Body or operation are distinguished with another entity or operation, are deposited without necessarily requiring or implying between these entities or operation
In any actual relationship or order or sequence.Moreover, the terms "include", "comprise" or its any other variant are intended to
Non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only wanted including those
Element, but also including other elements that are not explicitly listed, or further include for this process, method, article or equipment
Intrinsic element.
Present invention disclosed above preferred embodiment is only intended to help to illustrate the present invention.There is no detailed for preferred embodiment
All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification,
It can make many modifications and variations.These embodiments are chosen and specifically described to this specification, is in order to better explain the present invention
Principle and practical application, so that skilled artisan be enable to better understand and utilize the present invention.The present invention is only
It is limited by claims and its full scope and equivalent.
Claims (10)
1. a kind of insurance system based on block chain, including block catenary system, it is characterised in that: the block catenary system includes point
Cloth account book, asymmetric encryption and authoring system, common recognition mechanism and intelligent contract, the block catenary system are linked with medical department
System, insurance system and crowd raise system, and the medical system includes medical data and patient's basic document, and the medical data includes
The medical certificate of patient and the detail of medical expense, the medical data are written into block catenary system, the guarantor by medical system
Dangerous system includes Claims Resolution system, and record has declaration form event in the Claims Resolution system, and the declaration form event includes virtual account and void
The quasi- corresponding virtual declaration form of account, the virtual declaration form include a virtual algorithm, and crowd's system of raising includes medical certificate system
System, covering note system, personal proof system and crowd raise platform.
2. a kind of insurance system based on block chain according to claim 1, it is characterised in that: the distribution account book packet
The multiple accounting nodes for being distributed in different places are included, each accounting nodes are complete according to block chained structured record and storage
Account, participate in supervision transaction legitimacy.
3. a kind of insurance system based on block chain according to claim 1, it is characterised in that: the asymmetric encryption and
Authoring system is used for block catenary system, so that the Transaction Information being stored on block chain is disclosed, but account identity is believed
Breath is that height encrypts, and only can be just accessed in the case where data owner authorizes.
4. a kind of insurance system based on block chain according to claim 2, it is characterised in that: the common recognition mechanism is note
A kind of common recognition system of account node part, specifically according to insurance system system and formulate, the common recognition mechanism guarantees distributed
The consistency that accounting nodes store in account book, so that the independence and status identity property of accounting nodes storage.
5. a kind of insurance system based on block chain according to claim 2, it is characterised in that: the intelligence contract is base
In the automation Claims Resolution of some rules pre-defined and clause progress that accounting nodes data execute automatically, specific algorithm
It is identical with clause with the rule of the virtual algorithm of virtual declaration form.
6. a kind of insurance system based on block chain according to claim 1, it is characterised in that: the virtual declaration form and void
Quasi- account corresponds, the insured amount that the amount of money numerical value of the virtual declaration form is submitted according to each subscriber data it is different and right
A corresponding numerical value is answered, is specifically subject to the regulatory of insurance company, the amount for which loss settled of the Claims Resolution system is no more than void
The amount of money numerical value of quasi- declaration form.
7. a kind of insurance system based on block chain according to claim 1, it is characterised in that: in the medical system
Patient's basic document includes height, age, weight, marital status, health status, annual income and the academic situation of patient, institute
Stating medical system further includes having a medical analysis module, the algorithm of the medical analysis module according to the system of insurance company and
It is fixed.
8. a kind of insurance system based on block chain according to claim 1, it is characterised in that: the Claims Resolution system passes through
Network connection bank's end system, each unique bank card and bank's card number under the account for corresponding to bank's end system per family,
The medical treatment amount of money that can deduct is withdrawn deposit to bank card, select to be directly used in the medical bills of medical system as amount of money deduction or
Cash is extracted to use.
9. a kind of insurance system based on block chain according to claim 8, it is characterised in that: the crowd, which raises platform, also leads to
Network connection bank end system is crossed, the account that the crowd raises the corresponding account of platform bank's end system corresponding with everyone is one
A account.
10. the method for -9 any a kind of insurance systems based on block chain according to claim 1, it is characterised in that: packet
Include following method and step:
Step 1: medical information typing block chain: by the distributed account book of the declaration form event write-in block catenary system of insurance system
On, during medical treatment carries out, the medical data of patient and patient's basic document are also written in block catenary system medical staff
On the accounting nodes of distributed account book, the equal complete documentation of everyone complete data is on accounting nodes；
Step 2: message audit stage and crowd raise inspection phase: using the intelligent contract in block catenary system on accounting nodes
Data and insurance system write-in declaration form event analyzed and calculated, calculate the Claims Resolution numerical value that the user should receive,
Wherein, if Claims Resolution numerical value is not more than the numerical value of virtual declaration form, using numerical value of settling a claim as final Claims Resolution numerical value, if Claims Resolution numerical value is big
In the numerical value of virtual declaration form, then using the numerical value of virtual declaration form as final Claims Resolution numerical value；If user applies for that crowd raises, user needs
Apply insurance company, the medical staff of hospital, which will demonstrate that material passes through medical treatment, is applied to the hospital for carrying out medical treatment
Block catenary system is written in proof system, and the related personnel of insurance company will demonstrate that block is also written by covering note system in material
Personal testimonial material is passed through personal proof system and block chain is written by chain, end user；
Step 3: the end-nucleus stage: above-mentioned Claims Resolution numerical value passes through the audit of insurance company related personnel, after the approval, insurance system
Matching amount is divided under user's account by system, and needs to carry out many users raised, and after the audit of intelligent contract is up to standard, crowd, which raises, is
System is initiated crowd and is raised, and crowd raises the amount of money and is divided under the account of the user, and provides the personnel of contribution, and contribution number is written into user couple
In the accounting nodes answered, Claims Resolution next time or crowd possess priority when raising.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910270171.9A CN110070453A (en) | 2019-04-04 | 2019-04-04 | A kind of insurance system and method based on block chain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910270171.9A CN110070453A (en) | 2019-04-04 | 2019-04-04 | A kind of insurance system and method based on block chain |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110070453A true CN110070453A (en) | 2019-07-30 |
Family
ID=67367113
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910270171.9A Pending CN110070453A (en) | 2019-04-04 | 2019-04-04 | A kind of insurance system and method based on block chain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110070453A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110535933A (en) * | 2019-08-26 | 2019-12-03 | 杭州复杂美科技有限公司 | Parallel chain common recognition method, equipment and storage medium |
| CN110597888A (en) * | 2019-09-29 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Method, device, medium and equipment for acquiring virtual resources based on block chains |
| CN111429291A (en) * | 2020-03-28 | 2020-07-17 | 童树德 | Double-insurance-communication household insurance intelligent accounting system and method |
| CN113643130A (en) * | 2020-12-16 | 2021-11-12 | 北京车与车科技有限公司 | Mutual-help platform built based on block chain technology |
| CN118172176A (en) * | 2024-05-14 | 2024-06-11 | 青岛场外市场清算中心有限公司 | Financial risk analysis method and system based on blockchain |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107038638A (en) * | 2017-02-24 | 2017-08-11 | 杭州象链网络技术有限公司 | A kind of equity registration transaction system construction method based on alliance's chain |
| US9824399B2 (en) * | 2010-07-16 | 2017-11-21 | Hartford Fire Insurance Company | Secure data validation system |
| CN107545502A (en) * | 2017-10-20 | 2018-01-05 | 合肥维天运通信息科技股份有限公司 | A kind of logistics company equity management method and system based on block chain technology |
| CN108629565A (en) * | 2018-04-28 | 2018-10-09 | 上海京颐科技股份有限公司 | Medical treatment Claims Resolution method and device based on block chain, electronic equipment |
-
2019
- 2019-04-04 CN CN201910270171.9A patent/CN110070453A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US9824399B2 (en) * | 2010-07-16 | 2017-11-21 | Hartford Fire Insurance Company | Secure data validation system |
| CN107038638A (en) * | 2017-02-24 | 2017-08-11 | 杭州象链网络技术有限公司 | A kind of equity registration transaction system construction method based on alliance's chain |
| CN107545502A (en) * | 2017-10-20 | 2018-01-05 | 合肥维天运通信息科技股份有限公司 | A kind of logistics company equity management method and system based on block chain technology |
| CN108629565A (en) * | 2018-04-28 | 2018-10-09 | 上海京颐科技股份有限公司 | Medical treatment Claims Resolution method and device based on block chain, electronic equipment |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110535933A (en) * | 2019-08-26 | 2019-12-03 | 杭州复杂美科技有限公司 | Parallel chain common recognition method, equipment and storage medium |
| CN110535933B (en) * | 2019-08-26 | 2021-07-06 | 杭州复杂美科技有限公司 | Parallel chain consensus method, device and storage medium |
| CN110597888A (en) * | 2019-09-29 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Method, device, medium and equipment for acquiring virtual resources based on block chains |
| CN110597888B (en) * | 2019-09-29 | 2023-10-27 | 腾讯科技（深圳）有限公司 | Virtual resource acquisition method and device based on block chain, medium and equipment |
| CN111429291A (en) * | 2020-03-28 | 2020-07-17 | 童树德 | Double-insurance-communication household insurance intelligent accounting system and method |
| CN113643130A (en) * | 2020-12-16 | 2021-11-12 | 北京车与车科技有限公司 | Mutual-help platform built based on block chain technology |
| CN118172176A (en) * | 2024-05-14 | 2024-06-11 | 青岛场外市场清算中心有限公司 | Financial risk analysis method and system based on blockchain |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11791046B2 (en) | Systems and methods of managing payments that enable linking accounts of multiple guarantors | |
| US10977645B2 (en) | Tokenized asset backed by government bonds and identity and risk scoring of associated token transactions | |
| CN110070453A (en) | A kind of insurance system and method based on block chain | |
| US20200167773A1 (en) | Linked Multiple Blockchain System | |
| CN107844978A (en) | A kind of staple commodities transaction processing method and system based on block chain | |
| US20030149594A1 (en) | System and method for secure highway for real-time preadjudication and payment of medical claims | |
| US20140172679A1 (en) | Systems And Methods Of An Online Secured Loan Manager | |
| CN108352014A (en) | Use the technology business of block chain, clearance and the system and method for settling accounts securities trading | |
| CN107369009A (en) | The method of payment and payment system of digital cash | |
| CN109658273B (en) | Block chain-based rapid business insurance claim settlement method, storage medium and equipment | |
| CN111444209A (en) | Data processing method, device, equipment and medium based on block chain | |
| US20190180362A1 (en) | Non-insurance system and method for mutual sharing compliant with various regulations | |
| CN113674090B (en) | Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain | |
| CN112632186A (en) | Block chain consensus method, computer equipment and block chain system | |
| Munira et al. | Indonesian hajj fund management: An overview | |
| WO2006087810A1 (en) | Auction system, and system for constituting investment trust fund commodity containing insurance money receiving right | |
| Al-Aswad et al. | Towards a blockchain-based zero-knowledge model for secure data sharing and access | |
| US20190318333A1 (en) | Real-time network processing nucleus | |
| CN110727735A (en) | Method, device and equipment for cooperatively completing task event based on block chain technology | |
| CN112651833A (en) | Securities processing method, computer equipment and storage device | |
| WO2009124343A1 (en) | Import/export transaction facility | |
| Marini | Bankruptcy litigation and relationship banking | |
| CN110111205A (en) | It is a kind of that Baoding damage and Claims Resolution System and method for are prolonged based on block chain | |
| CN114003879A (en) | Asset proxy method, device, electronic equipment and storage medium | |
| CN117043870A (en) | Systems and methods for healthcare interoperability |
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 | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190730 |
|
| RJ01 | Rejection of invention patent application after publication |