CN110084706A - It is a kind of that guarantor's verifying System and method for is prolonged based on block chain - Google Patents
It is a kind of that guarantor's verifying System and method for is prolonged based on block chain Download PDFInfo
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- CN110084706A CN110084706A CN201910270415.3A CN201910270415A CN110084706A CN 110084706 A CN110084706 A CN 110084706A CN 201910270415 A CN201910270415 A CN 201910270415A CN 110084706 A CN110084706 A CN 110084706A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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Abstract
The invention discloses a kind of to prolong guarantor's verifying System and method for based on block chain, is related to block chain correlative technology field.This prolongs guarantor's verifying System and method for 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, it can freely be connected between node and node and carry out exchanging for data, assets, information etc., without passing through third party's central authority, and then effectively promote the efficiency for prolonging guarantor, and judges whether it meets according to the insurance message before user and prolong guarantor's condition, it effectively prevents prolonging the insecurity factor during protecting, the opaque probability for leading to insurance fraud of information is avoided to be substantially increased.Guarantor's verifying system will be prolonged and block catenary system is tied, avoid the problem of program complexity during user Yan Bao, enormously simplify the process prolonged and protect verifying, and will not influence the safety prolonged and protect verifying, effectively prevent prolonging the deceptive practices during guarantor.
Description
Technical field
The present invention relates to block chain correlative technology field, specially a kind of prolonging based on block chain protects verifying system and side
Method.
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.
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.It is all that its verifying is realized by a central server that guarantor's service is prolonged in existing insurance, and program is complicated and degree of safety is inadequate.
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 prolongs guarantor's verifying System and method for, solution based on block chain
It is all that its verifying is realized by a central server that guarantor's service is prolonged in existing insurance of having determined, and program is complicated and degree of safety is inadequate
The problem of.
(2) technical solution
In order to achieve the above object, the present invention is achieved by the following technical programs: a kind of guarantor that prolongs based on block chain tests
Card system, including prolong verifying system of protecting, guarantor's verifying system of prolonging includes line server and information terminal apparatus, the information
Terminal device is used to receive the online service of line server, and the line server includes information input equipment, the information
Input equipment is essentially the virtual online webpage by network connection of line server, and the information terminal apparatus includes
Cipher server and virtual account, the information terminal apparatus are received by network and store information input in line server
The information of equipment, the guarantor's verifying system connection that prolongs have a block catenary system, and the information for prolonging guarantor's verifying system is written into
Block catenary system, the guarantor's verifying system connection that prolongs have an insurance information system, the information in the insurance information system
It is written into block chain, the block catenary system is closed by distributed account book, asymmetric encryption and authoring system, common recognition mechanism and intelligence
About form.
Further, the cipher server is disposal password server, is related to information terminal apparatus for execution and steps on
Record the process of the verifying of the transaction content of the verifying and online service on online service server.
Further, the information input equipment has function of the input for the personal information of specific registered personnel individual
Can, and the spatial information for the spatial position for indicating that equipment of itself is set is stored, the line server manages multiple letters
Input equipment is ceased, and there is the authentication server of the function for the verifying for carrying out registration of personnel according to input to manage multiple units,
The personal information of registration of personnel is inputted by the information input equipment in unit and is written into block chain.
Further, the online webpage where the information input equipment is on smart machine, and the smart machine is
Computer or mobile phone.
Further, the cipher server and virtual account are to correspond, the password of each cipher server
A corresponding specific virtual account, all positions and essential information that this account logs in every time are written into block catenary system.
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 the legitimacy of supervision verifying.
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, a kind of common recognition system of the common recognition mechanism between accounting nodes, the common recognition mechanism guarantee distribution
The consistency that accounting nodes store in formula account book, so that intelligence contract described in the independence and status identity property of accounting nodes storage
For the automatic Verification carried out based on some rules pre-defined that accounting nodes data execute automatically.
Further, the intelligent contract is some rule pre-defined for being executed automatically based on accounting nodes data
The automatic Verification then carried out.
A method of prolonging based on block chain protects verifying system, including following method and step:
Step 1: password login: virtual account is logged in by webpage, respectively by the acquisition of login authentication disposal password
The acquisition request of request and transaction content verifying disposal password is sent to disposal password server, from disposal password service
Device respectively receives login authentication disposal password and transaction content verifying disposal password, and shows the device of these passwords,
When login, the location information equipped where when logging in is written into block chain, if new position, then needs to re-enter verifying and disappears
Breath；
Step 2: block chain typing information and verifying: using the intelligent contract in block catenary system on accounting nodes
The information that data log in user records, and according to some rules pre-defined, cooperates the insurance of user and its make
Prolonged guarantor's condition with whether record meets it and judged, and whether user carries out if guarantor is prolonged in selection to prolonging guarantor and selecting
Audit is submitted, intelligent contract is verified automatically according to the information of user, then completes to prolong guarantor automatically after success.
(3) beneficial effect
The invention has the following advantages:
(1), decentralization should be realized by the setting of block chain based on the guarantor's verifying System and method for that prolongs of block chain
Effect, decentralization mean to be dispersed with numerous nodes in block chain network, can freely connect between node and node
The exchange for carrying out data, assets, information etc. without passing through third party's central authority, and then effectively promotes the efficiency for prolonging guarantor, and
Judge whether it meets according to the insurance message before user and prolong guarantor's condition, effectively prevent prolonging during protecting it is dangerous because
Element avoids the opaque probability for leading to insurance fraud of information from being substantially increased, reduces the business risk of insurance company；Perfect behavior
Record is not only able to effectively inhibit the insurance fraud behavior of " bad risk " insurer that can also help to simplify Insurance Company Underwriting
Equal routine works；Information on block chain is open and clear, by that can remember from the mechanism of proof to personally identifiable information, every transaction
Record etc. is verified, and cost is also ad save；The manual operation of traditional settlement of insurance claim is avoided, insurance company assigns special messenger to case
Verification when progress needs huge manpower and material resources and time cost, solves the problems, such as insurance industry " last one kilometer ",
The claim provision of detail is all written in intelligent contract insurance company's realization, and when touching relevant regulations, Claims Resolution contract is certainly
Dynamic starting and not by extraneous artificial interference so that Claims Resolution process more efficiently, specification and rigidity；In addition, block chain has solely
Special common recognition mechanism, distinctive open and distributed network make compensation behavior open and clear, greatly reduce to prolong and protect
Risk in journey.
(2), guarantor's verifying System and method for should be prolonged based on block chain, guarantor's verifying system will be prolonged and block catenary system is coupled
Come, avoid the problem of program complexity during user Yan Bao, enormously simplifies the process prolonged and protect verifying, and will not influence and prolong guarantor
The safety of verifying effectively prevents prolonging the deceptive practices during protecting.
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 that the present invention prolongs guarantor's verifying system principle structural schematic diagram；
Fig. 3 is line server theory structure schematic diagram of the present invention；
Fig. 4 is information terminal apparatus theory structure schematic diagram of the present invention；
Fig. 5 is block catenary system theory structure schematic diagram of the present invention.
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 that guarantor's verifying system is prolonged based on block chain
System, including prolong and protect verifying system, prolonging guarantor's verifying system includes line server and information terminal apparatus, and information terminal apparatus is used for
Receive the online service of line server, line server includes information input equipment, information input equipment be essentially
The online webpage by network connection of line server virtual, information terminal apparatus include cipher server and virtual account,
Cipher server and virtual account are to correspond, the corresponding specific virtual account of the password of each cipher server, this
All positions and essential information that account logs in every time are written into block catenary system, and cipher server is disposal password service
Device, for executing the transaction content for being related to information terminal apparatus and logging on to verifying and online service on online service server
The process of verifying, information terminal apparatus are received by network and store the information of information input equipment in line server, information
Input equipment has the function of that input is used for the personal information of specific registered personnel individual, and stores expression equipment of itself and set
The spatial information for the spatial position set, line server manages multiple information input equipments, and has and carried out according to input
The authentication server of the function of the verifying of registration of personnel manages multiple units, inputs registration by the information input equipment in unit
The personal information of personnel is simultaneously written into block chain, and the online webpage where information input equipment is on smart machine, intelligence
Equipment is computer or mobile phone, and prolonging guarantor's verifying system connection has a block catenary system, and the information for prolonging guarantor's verifying system is written into
Block catenary system, prolonging guarantor's verifying system connection has an insurance information system, and the information in insurance information system is also written into area
Block chain, block catenary system are made of distributed account book, asymmetric encryption and authoring system, common recognition mechanism and intelligent contract, are distributed
Formula account book includes the multiple accounting nodes for being distributed in different places, and each accounting nodes are according to block chained structured record and storage
Complete account participates in the legitimacy of supervision verifying, and asymmetric encryption and authoring system are used for block catenary system, so that storage
Transaction Information on block chain is disclosed, but account identity information is that height encrypts, and is only awarded in data owner
It can be just accessed in the case where power, a kind of common recognition system of the mechanism of knowing together between accounting nodes, common recognition mechanism guarantees distributed account
The consistency of accounting nodes storage in this, so that the independence of accounting nodes storage and status identity property intelligence contract are based on note
The automatic Verification that some rules pre-defined that account node data executes automatically carry out, intelligent contract is based on book keeping operation
The automatic Verification that some rules pre-defined that node data executes automatically carry out.
When work, including following method and step:
Step 1: password login: virtual account is logged in by webpage, respectively by the acquisition of login authentication disposal password
The acquisition request of request and transaction content verifying disposal password is sent to disposal password server, from disposal password service
Device respectively receives login authentication disposal password and transaction content verifying disposal password, and shows the device of these passwords,
When login, the location information equipped where when logging in is written into block chain, if new position, then needs to re-enter verifying and disappears
Breath；
Step 2: block chain typing information and verifying: using the intelligent contract in block catenary system on accounting nodes
The information that data log in user records, and according to some rules pre-defined, cooperates the insurance of user and its make
Prolonged guarantor's condition with whether record meets it and judged, and whether user carries out if guarantor is prolonged in selection to prolonging guarantor and selecting
Audit is submitted, intelligent contract is verified automatically according to the information of user, then completes to prolong guarantor automatically after success.
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 prolonging based on block chain protects verifying system, including prolongs and protect verifying system, it is characterised in that: described to prolong guarantor's verifying system
System includes line server and information terminal apparatus, and the information terminal apparatus is used to receive the online service of line server,
The line server includes information input equipment, the information input equipment to be essentially that line server is virtual pass through
The online webpage of network connection, the information terminal apparatus includes cipher server and virtual account, and the information terminal is set
The standby information for receiving and storing information input equipment in line server by network, the guarantor's verifying system connection that prolongs have one
Block catenary system, the information for prolonging guarantor's verifying system are written into block catenary system, and the guarantor's verifying system connection that prolongs has one
Insurance information system, the information in the insurance information system are also written into block chain, and the block catenary system is by distributed account
Originally, asymmetric encryption and authoring system, common recognition mechanism and intelligent contract composition.
2. a kind of prolonging based on block chain according to claim 1 protects verifying system, it is characterised in that: the cryptographic service
Device is disposal password server, for execute be related to information terminal apparatus log on to verifying on online service server and
The process of the verifying of the transaction content of line service.
3. a kind of prolonging based on block chain according to claim 1 protects verifying system, it is characterised in that: the information input
Equipment has the function of that input is used for the personal information of specific registered personnel individual, and stores what expression equipment of itself was set
The spatial information of spatial position, the line server manages multiple information input equipments, and has and carried out according to input
The authentication server of the function of the verifying of registration of personnel manages multiple units, inputs registration by the information input equipment in unit
The personal information of personnel is simultaneously written into block chain.
4. a kind of prolonging based on block chain according to claim 1 protects verifying system, it is characterised in that: the information input
Online webpage where equipment is on smart machine, and the smart machine is computer or mobile phone.
5. a kind of prolonging based on block chain according to claim 1 protects verifying system, it is characterised in that: the cryptographic service
Device and virtual account are to correspond, the corresponding specific virtual account of the password of each cipher server, this account
All positions logged in every time and essential information are written into block catenary system.
6. a kind of prolonging based on block chain according to claim 1 protects verifying system, it is characterised in that: the distribution account
This includes the multiple accounting nodes for being distributed in different places, and each accounting nodes are according to block chained structured record and storage
Complete account participates in the legitimacy of supervision verifying.
7. it is according to claim 1 it is a kind of based on block chain prolonging protect verifying system, it is characterised in that: it is described it is asymmetric plus
Close and authoring system is used for block catenary system, so that the Transaction Information being stored on block chain is disclosed, but account body
Part information is that height encrypts, and only can be just accessed in the case where data owner authorizes.
8. a kind of prolonging based on block chain according to claim 1 protects verifying system, it is characterised in that: the common recognition mechanism
A kind of common recognition system between accounting nodes, the common recognition mechanism guarantee the consistency of accounting nodes storage in distributed account book,
So that intelligence contract described in the independence and status identity property of accounting nodes storage is executes based on accounting nodes data automatically
It is some pre-define rule carry out automatic Verifications.
9. a kind of prolonging based on block chain according to claim 1 protects verifying system, it is characterised in that: the intelligence contract
For the automatic Verification carried out based on some rules pre-defined that accounting nodes data execute automatically.
10. a kind of -9 any method for prolonging guarantor's verifying system based on block chain, feature exist according to claim 1
In: including following method and step:
Step 1: password login: virtual account is logged in by webpage, respectively by the acquisition request of login authentication disposal password
It is sent to disposal password server with the acquisition request of transaction content verifying disposal password, from disposal password server point
Login authentication disposal password and transaction content verifying disposal password are not received, and shows the device of these passwords, are logged in
When, the location information equipped where when logging in is written into block chain, if new position, then needs to re-enter verifying message；
Step 2: block chain typing information and verifying: using the intelligent contract in block catenary system to the data on accounting nodes
The information logged in user records, and according to some rules pre-defined, cooperates the insurance of user and its using note
Whether record, which meets it, is prolonged guarantor's condition and judges, and whether user is submitted if guarantor is prolonged in selection to prolonging guarantor and selecting
Audit, intelligent contract are verified automatically according to the information of user, then complete to prolong guarantor automatically after success.
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| CN112069252A (en) * | 2020-07-14 | 2020-12-11 | 贵州省广播电视信息网络股份有限公司 | Method for generating block chain |
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