CN110111205A - It is a kind of that Baoding damage and Claims Resolution System and method for are prolonged based on block chain - Google Patents
It is a kind of that Baoding damage and Claims Resolution System and method for are prolonged based on block chain Download PDFInfo
- Publication number
- CN110111205A CN110111205A CN201910270174.2A CN201910270174A CN110111205A CN 110111205 A CN110111205 A CN 110111205A CN 201910270174 A CN201910270174 A CN 201910270174A CN 110111205 A CN110111205 A CN 110111205A
- Authority
- CN
- China
- Prior art keywords
- block chain
- data
- resolution
- insurance
- medical
- 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
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
-
- 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
Abstract
The invention discloses a kind of to prolong Baoding damage and Claims Resolution System and method for based on block chain, is related to block chain correlative technology field.This prolongs Baoding damage and Claims Resolution 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., and then insurance intermediaries expense is effectively reduced.In addition, block chain has unique common recognition mechanism, distinctive open and distributed network makes compensation behavior open and clear, and contractor unit can be easy to view insurer with the presence or absence of the behavior for carrying out multiple claim in different danger enterprises to same event.Hospital services end system and insurance are prolonged guarantor to be tied with Claims Resolution system by block chain, so that whole process more effective, reduces Claims Resolution risk, reduces many and diverse of formality, both provides convenience to user and insurance company.
Description
Technical field
It is specially a kind of that Baoding damage and Claims Resolution system are prolonged based on block chain the present invention relates to block chain correlative technology field
With 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.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.
Existing insurance company is sequentially as follows for the process of the Claims Resolution mode of the insured: (1) applying: the insured or commission warp
The service window that hand people carries Claims Resolution application documents to insurance company proposes Claims Resolution application；(2) accept: the personnel of service centre will
The Claims Resolution application documents data entry system of the insured and generate Claims Resolution part；(3) core is paid for: case is dispatched into insurance according to dispatching rules
The related administrative unit of company is paid for by the core that claims personnel carries out Claims Resolution part；Payment: insurance company is directed to the Claims Resolution that need to be paid
Part, financial accounting are paid the bill via system-.However, above-mentioned existing Claims Resolution mode has the disadvantage that: if the application and medical treatment of Claims Resolution
Related, the insured need to first prepare medical certificate hard copy, the documentations such as receipt hard copy, and by the insured or entrust handler by this etc.
Documentation submits insurance company, and formality complexity is cumbersome, waiting for a long time, inefficiency；If insuring during core is paid for
Company needs to have access to the case history of the insured to hospital, the waiting time for needing ancillary cost file round-trip；If there is insurance fraud behavior, such as
Emulation forgery is carried out to file, then is not easy identified.Therefore, the efficiency of existing settlement of insurance claim mode is to be improved.If by area
Block chain technology is applied to the Claims Resolution of insurance and prolongs in the damage of Baoding, then greatly reduces the Claims Resolution risk of insurance company, make its work
Mechanism is more efficient.
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 Baoding damage and Claims Resolution system and side based on block chain
Method, the formality complexity for solving existing insurance mechanism is cumbersome, waiting for a long time, inefficiency and asking in the presence of Claims Resolution risk
Topic.
(2) technical solution
In order to achieve the above object, the present invention is achieved by the following technical programs: a kind of to prolong Baoding based on block chain
Damage and Claims Resolution system, including hospital services end system, the hospital services end system include its virtual data cloud, the number
The hospital data data about the insured is stored according to cloud, the hospital data data includes the medical certificate and medical expense of patient
Detail, the hospital services end system is linked with a block chain, and the data in the data cloud are written into the block chain, institute
It states block chain and is also linked with insurance and prolong guarantor and Claims Resolution system, guarantor is prolonged in the insurance and Claims Resolution system includes insurance system and Claims Resolution system
It unites, guarantor is prolonged in the insurance and Claims Resolution system record has subscriber data, and each subscriber data corresponding one is virtually protected
A single and declaration form event, guarantor is prolonged in the insurance and the subscriber data of Claims Resolution system record is written into block chain, the block chain
Including data layer system, network layer system, common recognition layer system, excitation layer system, contract layer system and apply layer system, the number
It include that data analysis and computing module, data prolong guarantor's analysis module according to layer system.
Further, the difference for the insured amount that the amount of money numerical value of the virtual declaration form is submitted according to each subscriber data and
A corresponding corresponding numerical value, is specifically subject to the regulatory of insurance company, and the insurance is prolonged settles a claim in guarantor and Claims Resolution system
The amount for which loss settled of system is not more than the amount of money numerical value of virtual declaration form.
Further, in the data analysis and medical certificate of the computing module according to hospital data data in the block chain
The detail of state of an illness situation and medical expense calculates medical treatment and can deduct the amount of money, if the medical treatment can deduct, the amount of money is greater than virtual declaration form
Amount of money numerical value is then using the amount of money numerical value of virtual declaration form as final numerical value, if the medical treatment can deduct, the amount of money is no more than virtual declaration form
Amount of money numerical value is then using specific evaluation as final numerical value.
Further, the block chain further includes medical staff's account, for accessing and being written data, the hospital data
The medical certificate of patient and the detail of medical expense only have medical staff to possess the permission for being uploaded to block chain in data.
Further, the insurance prolongs guarantor and Claims Resolution system by network connection bank's end system, each with corresponding to per family
Unique bank card and bank's card number under the account of bank's end system, the medical treatment amount of money that can deduct are withdrawn deposit to bank card, choosing
It selects to be directly used in the medical bills of medical system as the amount of money and deduct or extract cash and use.
Further, bank's end system is also coupled block chain, and bank's end system is by the receipts of user's account No.
The block chain is written in money record.
Further, the data of the block chain, which are prolonged, protects analysis module according to the time of medical certificate, state of an illness property and use
Whether family selects continuous insured amount to be handed over to judge that whether the settlement of insurance claim amount of money be included in that insurance prolongs guarantor and system of settling a claim prolongs insurance system.
Further, the network layer system includes distributed networking mechanism, data dissemination mechanism and data authentication mechanism,
All kinds of common recognition algorithms of the common recognition layer system predominant package network node；Economic factor is integrated into area by the excitation layer system
Block chain technical system, main includes all kinds of feet of contract layer predominant package described in the issuing mechanism of economic incentives and distribution mechanism
Originally, algorithm and intelligent contract；The various application scenarios that block chain is then encapsulated using layer system and case.
A method of Baoding damage and Claims Resolution system, including following method and step are prolonged based on block chain:
Step 1: therapeutic stage: in medical procedure, medical staff's log-on webpage checks whether the patient belongs to insurer
If belonging to block chain is written in the detail of medical certificate in the hospital data data of patient and medical expense by member；
Step 2: block chain inspection phase: the data layer system in block chain divides the hospital data data of patient
The Claims Resolution numerical value that should receive is analysed and calculated, and guarantor is prolonged according to insurance and is compared with the respective fictional declaration form of the system of Claims Resolution, and
Determine last Claims Resolution numerical value, be uploaded to the user for declaration form event in, layer system of knowing together in each block chain
Checking and proving for block chain data can be achieved in common recognition node；
Step 3: the end-nucleus stage: after the proof for node of knowing together, insurance is prolonged guarantor and Claims Resolution system and is carried out to Claims Resolution number
It provides, part deduction or extraction cash of user's selection for hospital's bill use.
Further, the quantity for needing the common recognition node to prove is 51% or more of total quantity.
(3) beneficial effect
The invention has the following advantages:
(1), Baoding damage and Claims Resolution System and method for should be prolonged based on block chain, by the setting of block chain, realized in going
The effect of the heart, decentralization mean to be dispersed with numerous nodes in block chain network, can between node and node from
The exchange that data, assets, information etc. are carried out by connection without passing through third party's central authority, and then is effectively reduced in insurance
Jie's expense.And artificial decision behavior is easy that unfair just phenomenon is caused to occur by individual subjective impact, manual operation process
It is slow and lengthy and jumbled: the connection of P2P can cross-regional and event horizon, break the limitation of traditional mutual insurance, so that having
Common prescription and the individual for facing same risk can realize mutual assistance in bigger range；Block chain has used cryptological technique
Guarantee that the information on block chain is not tampered, what is mainly used is the hash function and asymmetric encryption in cryptography, once
Data will have to enter into 51% or more section by permanent storage, the change of original information after verifying and being recorded on block chain
Point, difficulty is very big, and then promotes the risk prevention and control ability inside insurance company, prevents criminal because of itself benefit
Beneficial demand and harbor evil designs and distort the behavior of relevant information, insurance fraud behavior is effectively reduced；The form of block chain is saved from first
All historical datas that a block starts, the form of connection are the hash value that the latter block possesses previous block, block chain
Upper any one record all can trace origin by chain structure, improve the efficiency and accuracy of insurance company's core guarantor；Subtract
Few problem of information asymmetry, is effectively reduced the probability of insurance fraud；The user data of insurance industry is very deficient at present, each safety
Information is completely independent between structure, and the data Monodispersed of client is stored in the corresponding mechanism that accepts insurance, and the opaque of information leads to insurance fraud
Probability be substantially increased, improve the business risk of insurance company, and utilize the related data of block chain storage insurer so that
Insurer and the insurance institution contracted are mutually indepedent, solve problem of detached island of information.Perfect behavior record is not only able to effectively press down
The insurance fraud behavior of system " bad risk " insurer can also help to simplify the routine works such as Insurance Company Underwriting；On block chain
Information it is open and clear, by that can be verified from proof mechanism to personally identifiable information, every transaction record etc., save
Cost；The manual operation of traditional settlement of insurance claim is avoided, verification when insurance company assigns special messenger to carry out case needs huge
Big manpower and material resources and time cost solve the problems, such as insurance industry " last one kilometer " that insurance company realizes will be specifically thin
The claim provision of section is all written in intelligent contract, and when touching relevant regulations, Claims Resolution contract starts automatically and not by extraneous artificial
Interference so that Claims Resolution process more efficiently, specification and rigidity；In addition, block chain has unique common recognition mechanism, it is distinctive
Open and distributed network makes compensation behavior open and clear, and contractor unit, which can be easy to view insurer, whether there is
The behavior of multiple claim is carried out in different danger enterprises to same event.
(2), Baoding damage and Claims Resolution System and method for should be prolonged based on block chain, hospital services end system and insurance is prolonged into guarantor
It is tied with Claims Resolution system by block chain, so that whole process more effective, and it is open and clear, reduce Claims Resolution wind
Danger, reduces many and diverse of formality, both provides convenience to user and insurance company.
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 hospital services end system theory structure schematic diagram of the present invention；
Fig. 3 is block chain theory structure schematic diagram of the present invention；
Fig. 4 is that guarantor and Claims Resolution system principle structural schematic diagram are prolonged in present invention insurance；
Fig. 5 is subscriber data detail 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 Baoding damage and reason are prolonged based on block chain
Compensation system, including hospital services end system, hospital services end system include its virtual data cloud, and data cloud stores pass
In the hospital data data of the insured, hospital data data includes the medical certificate of patient and the detail of medical expense, hospital services end
System connection has a block chain, and the data in data cloud are written into the block chain, and block chain is also linked with insurance and prolongs guarantor and reason
Compensation system, guarantor is prolonged in insurance and Claims Resolution system includes insurance system and Claims Resolution system, and guarantor and Claims Resolution system record are prolonged in insurance user
Data, and the corresponding virtual declaration form of each subscriber data and a declaration form event, the amount of money numerical value of virtual declaration form according to
The difference for the insured amount that each subscriber data is submitted and a corresponding corresponding numerical value, specifically with the regulatory of insurance company
Subject to, the amount for which loss settled that system of settling a claim in guarantor and Claims Resolution system is prolonged in insurance is not more than the amount of money numerical value of virtual declaration form, and guarantor is prolonged in insurance
It is written into block chain with the subscriber data of Claims Resolution system record, block chain includes data layer system, network layer system, common recognition series of strata
System motivates layer system, contract layer system and applies layer system, and data layer system includes that data analysis and computing module, data are prolonged
Protect analysis module, the data analysis and computing module in block chain according in the medical certificate of hospital data data state of an illness situation and
The detail of medical expense calculates medical treatment and can deduct the amount of money, if the medical treatment can deduct amount of money numerical value of the amount of money greater than virtual declaration form
Using the amount of money numerical value of virtual declaration form as final numerical value, if the medical treatment can deduct amount of money numerical value of the amount of money no more than virtual declaration form
Using specific evaluation as final numerical value, block chain further includes medical staff's account, for accessing and being written data, hospital's number
Only have medical staff to possess according to the medical certificate of patient in data and the detail of medical expense and be uploaded to the permission of block chain, insurance is prolonged
It protects and passes through network connection bank's end system, each unique silver under the account for corresponding to bank's end system per family with Claims Resolution system
Row card and bank's card number, the medical treatment amount of money that can deduct are withdrawn deposit to bank card, select to be directly used in the medical bills of medical system as
Amount of money deduction is extracted cash and is used, and bank's end system is also coupled block chain, and bank's end system is by the receipts of user's account No.
The block chain is written in money record, and the data of block chain, which are prolonged, protects analysis module according to the time of medical certificate, state of an illness property and user
Whether selection is continuous is handed over insured amount to judge that whether the settlement of insurance claim amount of money be included in that insurance prolongs guarantor and system of settling a claim prolongs insurance system, net
Network layers system includes distributed networking mechanism, data dissemination mechanism and data authentication mechanism, layer system predominant package network of knowing together
All kinds of common recognition algorithms of node；Motivate layer system that economic factor is integrated into block chain technical system, main includes economy
The issuing mechanism and all kinds of scripts of distribution mechanism contract layer predominant package of excitation, algorithm and intelligent contract；It is then sealed using layer system
The various application scenarios and case of block chain are filled.
When work: Step 1: therapeutic stage: in medical procedure, medical staff's log-on webpage checks whether the patient belongs to
Insure personnel, if belonging to, block chain is written in the detail of the medical certificate in the hospital data data of patient and medical expense；
Step 2: block chain inspection phase: the data layer system in block chain divides the hospital data data of patient
The Claims Resolution numerical value that should receive is analysed and calculated, and guarantor is prolonged according to insurance and is compared with the respective fictional declaration form of the system of Claims Resolution, and
Determine last Claims Resolution numerical value, be uploaded to the user for declaration form event in, layer system of knowing together in each block chain
Checking and proving for block chain data can be achieved in common recognition node；
Step 3: the end-nucleus stage: after the proof for node of knowing together, insurance is prolonged guarantor and Claims Resolution system and is carried out to Claims Resolution number
It provides, part deduction or extraction cash of user's selection for hospital's bill use.
The quantity that the node that need to know together proves is 51% or more of total quantity.
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 prolong Baoding damage and Claims Resolution system, including hospital services end system based on block chain, it is characterised in that: the doctor
Institute's service end system includes its virtual data cloud, and the data cloud stores the hospital data data about the insured, institute
Stating hospital data data includes the medical certificate of patient and the detail of medical expense, and the hospital services end system is linked with an area
Block chain, the data in the data cloud are written into the block chain, and the block chain is also linked with insurance and prolongs guarantor and Claims Resolution system, institute
Stating insurance to prolong guarantor with Claims Resolution system includes insurance system and Claims Resolution system, and guarantor and Claims Resolution system record are prolonged in the insurance user's money
Material, and the corresponding virtual declaration form of each subscriber data and a declaration form event, guarantor is prolonged in the insurance and Claims Resolution is
The subscriber data of system record is written into block chain, the block chain include data layer system, network layer system, common recognition layer system,
It motivates layer system, contract layer system and applies layer system, the data layer system includes that data analysis and computing module, data are prolonged
Protect analysis module.
2. it is according to claim 1 it is a kind of based on block chain prolong Baoding damage and Claims Resolution system, it is characterised in that: the void
The difference of the insured amount that the amount of money numerical value of quasi- declaration form is submitted according to each subscriber data and one corresponding numerical value of correspondence, specifically
It is subject to the regulatory of insurance company, the insurance prolongs the amount for which loss settled for system of settling a claim in guarantor and Claims Resolution system no more than virtual
The amount of money numerical value of declaration form.
3. it is according to claim 1 it is a kind of based on block chain prolong Baoding damage and Claims Resolution system, it is characterised in that: the area
In block chain data analysis and computing module according in the medical certificate of hospital data data state of an illness situation and medical expense it is bright
Carefully calculating medical treatment can deduct the amount of money, with virtual declaration form if the medical treatment can deduct the amount of money greater than the amount of money numerical value of virtual declaration form
Amount of money numerical value is as final numerical value, specifically to calculate number if the medical treatment can deduct the amount of money no more than the amount of money numerical value of virtual declaration form
Value is used as final numerical value.
4. it is according to claim 1 it is a kind of based on block chain prolong Baoding damage and Claims Resolution system, it is characterised in that: the area
Block chain further includes medical staff's account, for accessing and being written data, the medical certificate of patient and doctor in the hospital data data
The detail for the treatment of expense only has medical staff to possess the permission for being uploaded to block chain.
5. it is according to claim 1 it is a kind of based on block chain prolong Baoding damage and Claims Resolution system, it is characterised in that: the guarantor
Guarantor and Claims Resolution system are prolonged by network connection bank's end system in danger, it is each under the account for corresponding to bank's end system per family only
One bank card and bank's card number, the medical treatment amount of money that can deduct are withdrawn deposit to bank card, and selection is directly used in the medical treatment of medical system
Bill deducts or extracts cash as the amount of money and uses.
6. according to claim 5 state it is a kind of based on block chain prolong Baoding damage and Claims Resolution system, it is characterised in that: the bank
End system is also coupled block chain, and the block chain is written in the gathering record of user's account No. by bank's end system.
7. it is according to claim 1 it is a kind of based on block chain prolong Baoding damage and Claims Resolution system, it is characterised in that: the area
Whether the data of block chain prolong guarantor's analysis module and select continuous friendship insured amount to sentence according to the time of medical certificate, state of an illness property and user
Whether the break settlement of insurance claim amount of money is included in that guarantor is prolonged in insurance and system of settling a claim prolongs insurance system.
8. it is according to claim 1 it is a kind of based on block chain prolong Baoding damage and Claims Resolution system, it is characterised in that: the net
Network layers system includes distributed networking mechanism, data dissemination mechanism and data authentication mechanism, the common recognition layer system predominant package
All kinds of common recognition algorithms of network node；Economic factor is integrated into block chain technical system by the excitation layer system, mainly
All kinds of scripts of contract layer predominant package, algorithm described in issuing mechanism and distribution mechanism including economic incentives and intelligent contract；Institute
State the various application scenarios and case that block chain is then encapsulated using layer system.
9. -8 any a kind of method for prolonging Baoding damage and Claims Resolution system based on block chain according to claim 1, special
Sign is: including following method and step:
Step 1: therapeutic stage: in medical procedure, medical staff's log-on webpage checks whether the patient belongs to the personnel of insuring, if
Belong to, block chain is written into the detail of the medical certificate in the hospital data data of patient and medical expense；
Step 2: block chain inspection phase: the data layer system in block chain analyzes simultaneously the hospital data data of patient
The Claims Resolution numerical value that should receive is calculated, and guarantor is prolonged according to insurance and is compared with the respective fictional declaration form of the system of Claims Resolution, and is determined
Last Claims Resolution numerical value, be uploaded to the user for declaration form event in, in each block chain know together layer system common recognition
Checking and proving for block chain data can be achieved in node；
Step 3: the end-nucleus stage: after the proof for node of knowing together, insurance is prolonged guarantor and is sent out with Claims Resolution system Claims Resolution number
It puts, part deduction or extraction cash of user's selection for hospital's bill use.
10. a kind of method for prolonging Baoding damage and Claims Resolution system based on block chain according to claim 9, feature exist
In: the quantity for needing the common recognition node to prove is 51% or more of total quantity.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910270174.2A CN110111205A (en) | 2019-04-04 | 2019-04-04 | It is a kind of that Baoding damage and Claims Resolution System and method for are prolonged based on block chain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910270174.2A CN110111205A (en) | 2019-04-04 | 2019-04-04 | It is a kind of that Baoding damage and Claims Resolution System and method for are prolonged based on block chain |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110111205A true CN110111205A (en) | 2019-08-09 |
Family
ID=67485077
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910270174.2A Pending CN110111205A (en) | 2019-04-04 | 2019-04-04 | It is a kind of that Baoding damage and Claims Resolution System and method for are prolonged based on block chain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110111205A (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018009979A1 (en) * | 2016-07-15 | 2018-01-18 | E-Nome Pty Ltd | A computer implemented method for secure management of data generated in an ehr during an episode of care and a system therefor |
| CN108650328A (en) * | 2018-05-22 | 2018-10-12 | 河海大学常州校区 | The block catenary system of data information record and storage in a kind of cloud service platform |
| CN108711108A (en) * | 2018-05-15 | 2018-10-26 | 厦门快商通信息技术有限公司 | A kind of personal insurance decision support method and system based on block chain technology |
| CN108776936A (en) * | 2018-06-05 | 2018-11-09 | 中国平安人寿保险股份有限公司 | Settlement of insurance claim method, apparatus, computer equipment and storage medium |
| CN109102247A (en) * | 2018-07-27 | 2018-12-28 | 深圳市元征科技股份有限公司 | Claims Resolution information processing method and block chain node device based on block chain |
| CN109215751A (en) * | 2018-08-10 | 2019-01-15 | 暨南大学 | Medical electronics case history distributed management system and its building method based on block chain |
-
2019
- 2019-04-04 CN CN201910270174.2A patent/CN110111205A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018009979A1 (en) * | 2016-07-15 | 2018-01-18 | E-Nome Pty Ltd | A computer implemented method for secure management of data generated in an ehr during an episode of care and a system therefor |
| CN108711108A (en) * | 2018-05-15 | 2018-10-26 | 厦门快商通信息技术有限公司 | A kind of personal insurance decision support method and system based on block chain technology |
| CN108650328A (en) * | 2018-05-22 | 2018-10-12 | 河海大学常州校区 | The block catenary system of data information record and storage in a kind of cloud service platform |
| CN108776936A (en) * | 2018-06-05 | 2018-11-09 | 中国平安人寿保险股份有限公司 | Settlement of insurance claim method, apparatus, computer equipment and storage medium |
| CN109102247A (en) * | 2018-07-27 | 2018-12-28 | 深圳市元征科技股份有限公司 | Claims Resolution information processing method and block chain node device based on block chain |
| CN109215751A (en) * | 2018-08-10 | 2019-01-15 | 暨南大学 | Medical electronics case history distributed management system and its building method based on block chain |
Non-Patent Citations (1)
| Title |
|---|
| 杜宁: "《监管科技——人工智能与区块链应用之大道》", 31 July 2018, 中国金融出版社 * |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20230214792A1 (en) | Computer implemented systems and methods | |
| EP3635665B1 (en) | Linked multiple blockchain system | |
| CN110838068B (en) | Weak-centered fund transaction platform and method thereof | |
| CN105681301B (en) | Settlement method on block chain | |
| CN107844978A (en) | A kind of staple commodities transaction processing method and system based on block chain | |
| CN111626733A (en) | Supply chain financial service system based on block chain | |
| CN108475394A (en) | The system and method for providing finance data for the financial instrument into distributed ledger system | |
| CN111444209B (en) | Data processing method, device, equipment and medium based on block chain | |
| Brühl | Virtual currencies, distributed ledgers and the future of financial services | |
| US11042804B2 (en) | System and method for providing security gateways for high security blockchain systems | |
| CN110458543A (en) | Data processing method, relevant device and medium | |
| CN110070453A (en) | A kind of insurance system and method based on block chain | |
| CN109658273B (en) | Block chain-based rapid business insurance claim settlement method, storage medium and equipment | |
| CN109325747A (en) | Money transfer method and device based on block chain | |
| Dudin et al. | Mitigation of cyber risks in the field of electronic payments: organizational and legal measures | |
| CN107358436A (en) | Method, the system paid by the digital cash wallet of bank account access registrar | |
| CN110033263A (en) | The acquisition of user characteristics value, application method and device based on block chain | |
| CN111161045B (en) | Method and storage medium for exporting seller credit based on blockchain | |
| CN112632186A (en) | Block chain consensus method, computer equipment and block chain system | |
| CN107330691A (en) | The method and system that a kind of digital cash wallet is paid | |
| CN112785292A (en) | Prepaid card management method, prepaid card management system, prepaid card management device and prepaid card management storage medium | |
| WO2019200279A1 (en) | Utilizing digital data assets in a blockchain platform using a transactional proof of work | |
| CN115526617A (en) | Block chain-based digital RMB payment method, system, medium and equipment | |
| WO2020113139A1 (en) | System and method for security gateway for high security blockchain systems | |
| Al-Aswad et al. | Towards a blockchain-based zero-knowledge model for secure data sharing and access |
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 | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190809 |