CN110232637A

CN110232637A - Settlement of insurance claim system, method, apparatus and electronic equipment based on block chain

Info

Publication number: CN110232637A
Application number: CN201910502515.4A
Authority: CN
Inventors: 刘勤; 肖汉松
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-06-11
Filing date: 2019-06-11
Publication date: 2019-09-13

Abstract

This application discloses a kind of settlement of insurance claim system, method, apparatus and electronic equipments based on block chain, the system includes insurance node, identification node, core compensation node, wherein: the insurance node, the transaction of declaration form data comprising user is uploaded in block chain, confirms so that the core pays for node and records the declaration form data of the user；The transaction of accident testimonial material comprising the user is uploaded in the block chain by the identification node, is confirmed so that the core pays for node and is recorded the accident testimonial material of the user；The core pays for node, the accident testimonial material of declaration form data, the user based on the user and specified intelligent contract corresponding with the declaration form data of the user, determines that the core of the user pays for result；And the transaction for paying for result comprising the core is uploaded in the block chain, so that other nodes in the block chain confirm and record the core compensation result of the user.

Description

Settlement of insurance claim system, method, apparatus and electronic equipment based on block chain

Technical field

This application involves field of computer technology, more particularly to the settlement of insurance claim system based on block chain, method, apparatus and Electronic equipment.

Background technique

Currently, warrantee generally requires to provide relevant paper-bill conduct to insurance company in settlement of insurance claim scene It proves, insurance company carries out warrantee in the related bill for receiving warrantee's offer, and after determining that billing information is true Claims Resolution.

In above-mentioned scene, on the one hand, since cost is relatively low for the fraud of traditionally on paper bill, so that there are insurance frauds by warrantee Possibility；On the other hand, insurance company, which is also required to take some time after receiving these paper-bills, verifies bill Authenticity, this will extend to a certain extent Claims Resolution the time, increase the waiting time of user, brought to user bad User experience.

Therefore, it is lower to cope with existing settlement of insurance claim efficiency to need a kind of settlement of insurance claim method, and exists by insurance fraud Problem.

Summary of the invention

The embodiment of the present application provides a kind of settlement of insurance claim system, method, apparatus and electronic equipment based on block chain, with Solve the problem of that existing settlement of insurance claim efficiency is lower and exists by insurance fraud.

In order to solve the above technical problems, the embodiment of the present application is achieved in that

In a first aspect, proposing a kind of settlement of insurance claim system based on block chain, including insurance node, identification node, core Pay for node, in which:

The transaction of declaration form data comprising user is uploaded in block chain by the insurance node, so that the core is paid for Node confirms and records the declaration form data of the user；

The transaction of accident testimonial material comprising the user is uploaded in the block chain by the identification node, with So that the core pays for node and confirms and record the accident testimonial material of the user；

The core pays for node, the accident testimonial material of declaration form data, the user based on the user and with it is described The corresponding specified intelligent contract of the declaration form data of user, determines that the core of the user pays for result；And it will be paid for comprising the core As a result Transaction Information is uploaded in the block chain, so that other nodes in the block chain confirm and record the use The core at family pays for result.

Second aspect, proposes a kind of settlement of insurance claim method based on block chain, and the method is applied to insurance node, institute The method of stating includes:

The transaction of declaration form data comprising user is uploaded in block chain, so that the core compensation node of the block chain is true Recognize and record the declaration form data of the user, and determines that the core of the user pays for result based on the declaration form of the user.

The third aspect, proposes a kind of settlement of insurance claim method based on block chain, and the method is applied to identification node, institute The method of stating includes:

The transaction of accident testimonial material comprising user is uploaded in block chain, so that the core in the block chain is paid for Node confirms and records the accident testimonial material of the user, and determines the use based on the accident testimonial material of the user The core at family pays for result.

Fourth aspect, proposes a kind of settlement of insurance claim method based on block chain, and the method is applied to core and pays for node, institute The method of stating includes:

The accident testimonial material of declaration form data, user based on user and corresponding with the declaration form data of the user Specified intelligence contract determines that the core of the user pays for result；Wherein, the declaration form data of the user are uploaded to area by insurance node In block chain, the accident testimonial material of the user is uploaded in the block chain by identification node；

The transaction for paying for result comprising the core is uploaded in the block chain, so that other sections in the block chain Point confirms and records the core compensation result of the user.

5th aspect, proposes a kind of insurance node, comprising:

The transaction of declaration form data comprising user is uploaded in block chain by uploading unit, so that the block chain Core pays for node and confirms and record the declaration form data of the user, and determines the user's based on the declaration form data of the user Core pays for result.

6th aspect, proposes a kind of identification node, comprising:

The transaction of accident testimonial material comprising user is uploaded in block chain by uploading unit, so that the block Core in chain pays for node and confirms and record the accident testimonial material of the user, and the accident testimonial material based on the user Determine that the core of the user pays for result.

7th aspect proposes a seed nucleus and pays for node, comprising:

Determination unit, the accident testimonial material of declaration form data, the user based on user and the guarantor with the user The corresponding specified intelligent contract of forms data, determines that the core of the user pays for result；Wherein, the declaration form data of the user are by protecting Dangerous node is uploaded in block chain, and the accident testimonial material of the user is uploaded in the block chain by identification node；

The transaction for paying for result comprising the core is uploaded in the block chain, so that the block chain by uploading unit In other nodes confirm and record the user core pay for result.

Eighth aspect proposes a kind of electronic equipment, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed It manages device and executes following operation:

The transaction of declaration form data comprising user is uploaded in block chain, so that the core compensation node of the block chain is true Recognize and record the declaration form data of the user, and determines that the core of the user pays for result based on the declaration form data of the user.

9th aspect, proposes a kind of computer readable storage medium, the computer-readable recording medium storage one Or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that the electricity Sub- equipment executes following operation:

Tenth aspect, proposes a kind of electronic equipment, comprising:

Processor；And

On the one hand tenth, proposes a kind of computer readable storage medium, the computer-readable recording medium storage one A or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that described Electronic equipment executes following operation:

12nd aspect, proposes a kind of electronic equipment, comprising:

Processor；And

13rd aspect, proposes a kind of computer readable storage medium, the computer-readable recording medium storage one A or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that described Electronic equipment executes following operation:

The embodiment of the present application at least can achieve following technical effects by adopting the above technical scheme:

The system that this specification embodiment provides can be by insuring node during carrying out settlement of insurance claim to user The transaction of declaration form data comprising user is uploaded in block chain, by identifying node by the accident testimonial material comprising user Transaction be uploaded in block chain, and by core pay for declaration form data of the node based on user, user accident testimonial material with And the corresponding specified intelligent contract of declaration form data of user, determine that the core of user is paid for as a result, can simultaneously pay for node by core will wrap The transaction for paying for result containing the core is uploaded in block chain, so that other nodes in block chain confirm and record the core of the user Pay for result.Node can be paid for after uploading declaration form data and accident testimonial material by core to confirm and record, is avoided These initial data are tampered；On the other hand determine that core is paid for as a result, user is made to have core to pay for demand based on specified intelligent contract When core pay for efficiency also more efficiently.

Detailed description of the invention

The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.In the accompanying drawings:

Fig. 1 is a kind of structural representation for settlement of insurance claim system based on block chain that this specification one embodiment provides Figure；

Fig. 2 is that the settlement of insurance claim system based on block chain that this specification one embodiment provides is applied in actual scene Schematic diagram；

The declaration form cochain of user in the settlement of insurance claim system based on block chain that Fig. 3 provides for this specification one embodiment The schematic diagram being stored in core compensation node later；

The declaration form and thing of user in the settlement of insurance claim system based on block chain that Fig. 4 provides for this specification one embodiment Therefore the associated schematic diagram of related bill of testimonial material；

Claims Resolution node is to user in the settlement of insurance claim system based on block chain that Fig. 5 provides for this specification one embodiment The implementation process schematic diagram settled a claim；

Fig. 6 is that a kind of settlement of insurance claim method based on block chain that this specification one embodiment provides is applied to insurance section The implementation process schematic diagram of point；

Fig. 7 is that a kind of settlement of insurance claim method based on block chain that this specification one embodiment provides is applied to identification section The implementation process schematic diagram of point；

Fig. 8 is that a kind of settlement of insurance claim method based on block chain that this specification one embodiment provides is applied to core compensation section The implementation process schematic diagram of point；

Fig. 9 is a kind of structural schematic diagram for insurance node that this specification one embodiment provides；

Figure 10 is a kind of structural schematic diagram for identification node that this specification one embodiment provides；

Figure 11 is the structural schematic diagram that the seed nucleus that this specification one embodiment provides pays for node；

Figure 12 is the structural schematic diagram for a kind of electronic equipment that this specification one embodiment provides；

Figure 13 is the structural schematic diagram for another electronic equipment that this specification one embodiment provides；

Figure 14 is the structural schematic diagram for another electronic equipment that this specification one embodiment provides.

Specific embodiment

To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with the application specific embodiment and Technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only the application one Section Example, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not doing Every other embodiment obtained under the premise of creative work out, shall fall in the protection scope of this application.

Below in conjunction with attached drawing, the technical scheme provided by various embodiments of the present application will be described in detail.

To solve the problem of that existing settlement of insurance claim efficiency is lower and existing by insurance fraud, this specification embodiment provides one Settlement of insurance claim system of the kind based on block chain.

Specifically, a kind of knot for settlement of insurance claim system based on block chain that this specification one or more embodiment provides Structure schematic diagram is as shown in Figure 1, comprising:

Insure node 110, the transaction of the declaration form data comprising user is uploaded in block chain, so that core compensation node is true Recognize and record the declaration form data of user；

In block chain, node will create one and trade and send when submitting data to block chain.

By taking ether mill as an example, after client creation transaction, it is transmit a request to the endorsement node of its selection, that is, sends one PROPOSE message is to the selected endorsement node set of trading；Then endorsement node mock trading generates endorsement signature；Client After end obtains the sufficient amount of endorsement of transaction, by sorting, service is broadcasted, and to know together, node is reached common understanding；Common recognition section After point is reached common understanding, transaction can be recorded in the block of block chain.

In block chain, transaction can all be broadcasted participant all in block chain network every time, and through excessive The distributed account book of block chain is just recorded to after secondary confirmation.Transaction is that the means of data are submitted in block chain.In this application, Insurance node in block chain will create the transaction of the declaration form data comprising user, and upload in block chain.

It, can to pay for node convenient for the core in block chain since there may be multiple transaction in the same period in block chain The transaction of the declaration form data comprising user is monitored and gets in time, it is useful to remove carrying in the transaction of the declaration form data comprising user Other than the declaration form data at family, the node identification that core pays for node can also be carried.Core pays for node when monitoring the transaction in block chain, The node identification that node can be paid for based on core is monitored and obtains the transaction for paying for the node identification of node comprising core.

It should be understood that, when user has settlement of insurance claim demand, to be examined the relevant material of the offer of user convenient for the later period Core, to determine the Claims Resolution of user as a result, including whether to meet settlement of insurance claim condition and should be obtained when meeting settlement of insurance claim condition The information such as the amount for which loss settled taken can carry following at least one information in the declaration form data of above-mentioned user:

The identity information of user；

The Claims Resolution range of user；

The insurance amount of user；

The guarantee time limit of user.

Wherein, the identity information of user can specifically include the ID card No. of user, the occupation of user, user year Age, native place of user etc. can be used in confirming the information of user identity.The Claims Resolution range of user can specifically include the guarantor of user The Claims Resolution range that insurance type corresponding to list includes, by taking the insurance of healthy class as an example, the Claims Resolution range of such insurance is often wrapped Include by guarantor's kinds of Diseases, by guarantor's disease quantity, by guarantor's number etc..The insurance amount of user may include at least one insurance amount, Each insurance amount corresponds to an insurance coverage, and again by taking the insurance of healthy class as an example, the insurance amount of the user may include one As the corresponding insurance amount of medical insurance (such as 100,000 yuan) and the corresponding insurance amount of great medical insurance (such as 300,000 Member).The guarantee time limit of user be usually the declaration form of the user entry-into-force time section, such as can be user buy insurance from In 1 year, it is also possible to user and buys from insurance in 10 years, can also be from user buys insurance to user's service life (ensure that the time limit is lifelong) when termination, etc..

As shown in Fig. 2, applying for the settlement of insurance claim system based on block chain that this specification embodiment provides in actual field Schematic diagram in scape, in Fig. 2, insurance company and hospital are respectively the insurance node entered in block chain and identification node.That , the transaction of the declaration form data comprising user uploads to block chain and includes: by insurance company

S21, user assure on the insurance company, and insurance company can be based on the body of the selected insurance type and user of user Part information generates the declaration form data of user；

The transaction of declaration form data comprising user is uploaded in block chain by S22, insurance company.

As shown in figure 3, being to be saved in core compensation node after the transaction of the declaration form data comprising user is uploaded to block chain In schematic diagram.It should be understood that for the declaration form data convenient for searching user, it can be based on the identity information of user, for example it is based on user The unique identities information such as identification card number, the declaration form data of user are stored, specifically can be by the guarantor of a user Forms data is stored in a file, and this document folder is named classification with the unique identity of user.If a use There are multiple declaration form data at family, then this multiple declaration form data can be stored in a file, so that the user has insurance to manage When compensation demand, the declaration form data of the user are searched.

In Fig. 3, the corresponding declaration form data of user a are that the corresponding declaration form data of declaration form data a, user b are declaration form data B, the corresponding declaration form data of user c are declaration form data c, when core is paid for and stored in node to the declaration form data of user, can be incited somebody to action The title of " user a " as preservation declaration form data a file, the title by " user b " as preservation declaration form data b file, By " user c " as the title for saving declaration form data c file.

Optionally, in order to ensure the declaration form data of the user are uploaded in block chain by insurance node, insurance node tool The raw information of the declaration form data of user, insurance node can be passed through its private key to the A.L.S. of the abstract of user's declaration form data by body Breath is uploaded in block chain.Core in block chain pays for node after monitoring and getting the declaration form data of the user, can pass through Public key is decrypted the signing messages of the abstract of user's declaration form data to obtain policy information to be verified, and the declaration form based on user The raw information of data calculates the abstract of the declaration form data of user, however, it is determined that declaration form data to be verified and the declaration form data of user Abstract is consistent, then can determine that the declaration form data of the user are uploaded by insurance node really, and be not tampered in upload procedure.

It identifies node 120, the transaction of the accident testimonial material comprising user is uploaded in the block chain, so that core Node is paid for confirm and record the accident testimonial material of user；

It should be understood that pay for the transaction that the accident testimonial material comprising user was monitored or got in time to node convenient for core, it should The transaction of accident testimonial material comprising user also carries connecing for the transaction in addition to the accident testimonial material for carrying user Receive the node identification information of node, the i.e. node identification information of core compensation node.

Optionally, the core that node is paid for improve core pays for efficiency, and this specification embodiment will include user's in identification node After the transaction of accident testimonial material is uploaded in block chain, it can be paid in node storage space in core, the accident of user is demonstrate,proved Bright material associates with the declaration form data of corresponding user, specifically can be by the accident testimonial material of user and corresponding user Declaration form data storage in one file, avoid core pay for node to user carry out core compensation when, also need the accident based on user to demonstrate,prove Bright material searches the declaration form data of the user.So, the accident testimonial material of user is uploaded in block chain in identification node Later,

Core pays for node from the declaration form data of storage, searches the identity of the user carried in the accident testimonial material with user The target declaration form data that information matches；

If core pays for node and determines that, there are target declaration form data in the declaration form data of storage, core pays for node for target declaration form number It is associated according to the accident testimonial material with user；

The Claims Resolution state of core compensation node initializing target declaration form data.

As shown in figure 4, for the declaration form data ticket related to accident testimonial material of user in this specification one embodiment According to associated schematic diagram, in Fig. 4, the accident testimonial material of user a includes bill 1, bill 2 and bill 3, to improve to user The efficiency of a claim settling of insurance and it is subsequent more aspect rapidly trace to the source core pay for process, this specification embodiment can be by bill 1, ticket It is associated according to the declaration form data a of 2 and bill 3 and user a.It specifically, can be by bill 1, bill 2 and bill 3 and user a Declaration form data a be all stored in a file.

Wherein, core pays for the Claims Resolution state of node initializing target declaration form data, specifically can be by the reason of target declaration form data Compensation state is added in the file for saving target declaration form data, and sets the explanation that the core of target declaration form data pays for state to " non-core compensation " or space state.

Optionally, in order to ensure the accident testimonial material of the user is uploaded in block chain by identification node, identification section The raw information of the accident testimonial material of user, identification node can specifically be passed through its private key to the accident testimonial material of user by point The signing messages of abstract be uploaded in block chain.Core in block chain pays for node in the accident card for monitoring and getting the user After bright material, it can be decrypted to obtain thing to be verified by signing messages of the public key to the abstract of the accident testimonial material of user Therefore testimonial material information, and the raw information of the accident testimonial material based on user calculates plucking for the accident testimonial material of user It wants, however, it is determined that accident testimonial material information to be verified is consistent with the abstract of accident testimonial material of user, then can determine the use The accident testimonial material at family is uploaded by identification node really, and is not tampered in upload procedure.

In Fig. 2, the medical bill of user is uploaded in block chain by hospital includes:

S23, user go to a doctor to hospital；

The transaction of medical bill comprising user is uploaded in block chain by S24, hospital.

Core pays for node 130, the accident testimonial material of declaration form data, user based on user and the declaration form data with user Corresponding specified intelligent contract, determines that the core of user pays for result；And the transaction for paying for result comprising core is uploaded to block chain In, so that other nodes in block chain confirm and record the core compensation result of user.

Optionally, specifying intelligent contract is to be pre-configured with based on settlement of insurance claim contract corresponding with the declaration form data of user , specified intelligence contract is triggered when the declaration form data of user and the accident testimonial material of user upload to block chain.

It should be understood that there are many due to insurance type including, such as the insurance of healthy class, the insurance of life insurance class, casualty insurance, vehicle Danger, travel insurance etc., and there is also very big differences, such as Claims Resolution range, Claims Resolution for the corresponding Claims Resolution contract of every kind of insurance type The amount of money, claim times etc. all can be different.This specification embodiment in order to guarantee it is each insurance type declaration form data all Reasonable core can be obtained to pay for as a result, the corresponding Claims Resolution contract of different insurance types, the corresponding specified intelligence of configuration can be in advance based on It can contract.

Optionally, efficiency is paid for the core of user and core pays for accuracy to improve, this specification embodiment can pass through Preconfigured specified intelligent contract to carry out core compensation to user, then, core pays for declaration form data of the node based on user, user Accident testimonial material and specified intelligent contract corresponding with the declaration form data of user, determine that the core of user pays for result, comprising:

Core pays for the accident testimonial material of declaration form data of the node based on user, user, the declaration form data phase of triggering and user Corresponding specified intelligent contract；

Core pays for node by specified intelligent contract, determines that the core of user pays for result.

Optionally, in order to improve the Claims Resolution efficiency of insurance company, this specification embodiment is paid for node in core and will be paid for comprising core As a result after transaction is uploaded in block chain,

Insurance node, which is monitored and obtains core, pays for result；

Insure node and is based on core compensation as a result, carrying out core compensation to user；

The transaction of Claims Resolution bill comprising user is uploaded in block chain by insurance node.

Optionally, in order to avoid occurring Claims Resolution dispute after Claims Resolution, the core in this specification embodiment pays for node can be with After the transaction for listening to the Claims Resolution bill comprising user for carrying out self-protective node, confirm whether the Claims Resolution bill is true, with And whether pay for result with core and be consistent, then after confirming the Claims Resolution bill, the Claims Resolution state of more fresh target declaration form.In insurance node After the transaction of Claims Resolution bill comprising user is uploaded in block chain,

If core pays for node and listens to the Claims Resolution bill for carrying out self-protective node, can be protected based on Claims Resolution bill, more fresh target Single Claims Resolution state.

Wherein, the Claims Resolution state of more fresh target declaration form, specifically can be by " not settling a claim " state or blank of target declaration form State is changed to " Claims Resolution " state.

As shown in figure 5, the implementation process settled a claim for the Claims Resolution node that this specification one embodiment provides to user Schematic diagram, comprising:

Whether S51, the accident testimonial material of determination are in state of not settling a claim, however, it is determined that accident testimonial material is in shape of not settling a claim State then executes S52, otherwise stops executing；

S52 determines whether accident testimonial material meets Claims Resolution condition by specified intelligent contract, however, it is determined that it meets, then S53 is executed, otherwise stops executing；

S53 determines that core pays for result by specified intelligent contract corresponding with the declaration form of user；

The transaction for paying for result comprising core is uploaded in block chain by S54；

S55, the core for updating accident testimonial material are paid for as a result, the core of accident testimonial material can specifically be paid for state by " not Core compensation " or space state are updated to " core compensation ", and specific core compensation result is added in the explanation for paying for core state.

S56 is monitored and is obtained the transaction comprising Claims Resolution bill for carrying out self-protective node；

S57, obtain come self-protective node comprising Claims Resolution bill transaction after, however, it is determined that the Claims Resolution bill and core It pays for result to be consistent, then can update the Claims Resolution of accident testimonial material as a result, specifically can be by the Claims Resolution knot of accident testimonial material Fruit is updated to " Claims Resolution " by " not settling a claim " or space state.

It should be noted that the characteristics of due to block chain decentralization, the core in this specification embodiment pays for node not Some stationary nodes in block chain, core pay for node can lead to refer to have in block chain the declaration form for monitoring or getting user and The accident testimonial material of user, and can declaration form data based on user, user accident testimonial material and specified intelligent contract Determine that the core of user pays for a kind of node of the function of result.In addition, every time monitor or get at first user declaration form data and The core of the accident testimonial material of user, which pays for node, is also not some fixed node, and can be based on user declaration form data and The accident testimonial material of user carrys out specified node.

Further, since this specification embodiment provides the claim settling of insurance system based on block chain, in practical applications often Only core compensation will not be carried out by the accident testimonial material to the declaration form data of user and user, in order to improve claim settling of insurance efficiency, It may include that multiple cores pay for node, and are directed to different insurance types, for example healthy class is insured, life insurance class in the claim settling of insurance system Insurance, casualty insurance, vehicle insurance, travel insurance etc. type are that the corresponding core of each insurance type configuration pays for node.

Assuming that including 100 cores compensation nodes (core pays for 1~core of node and pays for node 100) in the claim settling of insurance system, such as can The core compensation node that node 10 is configured to healthy class insurance is paid for so that core is paid for 1~core of node, core is paid for into 11~core of node and pays for node 20 The core for being configured to the insurance of life insurance class pays for node, core compensation 21~core of node is paid for the core compensation section that node 22 is configured to casualty insurance Point ..., and so on, node, which is paid for, for each core configures corresponding insurance type.Correspondingly, it is also based on health Class insurance, the insurance of life insurance class, casualty insurance, vehicle insurance, travel insurance etc. insure the Claims Resolution contract of type, pre-configured corresponding Specified intelligence contract.It should be understood that the cores configured with different insurance types are paid for nodes and can be run and insure the corresponding finger of type with it Fixed intelligence contract.

It, can the corresponding insurance class of declaration form data based on user so when insuring the declaration form data of node upload user Type determines that (the Claims Resolution node is identified as the Claims Resolution node in block for the mark of node of settling a claim corresponding with the insurance type Unique identification in chain), and when insurance node uploads in the declaration form data to block chain of the user, so that the declaration form of the user Data also carry the mark of Claims Resolution node, and Claims Resolution node, can be based on Claims Resolution when monitoring the declaration form for the user that insurance node uploads The declaration form data for carrying the user of its mark are monitored or obtained to the mark of node.

In Fig. 2, core pays for the process that node core is paid for and includes:

S25, core pay for node and the transaction of the declaration form data comprising user and medical bill are monitored and obtained from block chain, and Declaration form and medical bill based on user carry out core compensation to user；

S26, core pay for node and the transaction for paying for result comprising core are uploaded in block chain.

And after the transaction for paying for result comprising core is uploaded in block chain by core compensation node, insurance company is to user The process settled a claim includes:

The transaction that the core comprising user pays for result is monitored and obtained in S27, insurance company；

S28, insurance company pay for result based on the core of user and settle a claim to user.

Fig. 6 is the realization that the settlement of insurance claim method based on block chain that this specification embodiment provides is applied to insurance node Flow diagram.Referring to FIG. 6, including:

Step 610, the transaction of the declaration form data comprising user is uploaded in block chain, so that the core of the block chain It pays for node to confirm and record the declaration form data of the user, and determines the core of the user based on the declaration form data of the user Pay for result.

Optionally, following at least one information are carried in the declaration form data of the user:

The identity information of the user；

The Claims Resolution range of the user；

The insurance amount of the user；

The guarantee time limit of the user.

Optionally, node is paid in the core of the block chain determine that the core of the user is paid for based on the declaration form data of the user As a result, and after the transaction for paying for result comprising the core of the user is washed and is uploaded in the block chain, the method is also wrapped It includes:

It monitors and obtains the transaction for paying for result comprising the core；

It is paid for based on the core as a result, settling a claim to the user；

The transaction of Claims Resolution bill comprising the user is uploaded in the block chain.

The specific implementation of embodiment illustrated in fig. 6 correlation step can refer to step corresponding in FIG. 1 to FIG. 5 illustrated embodiment Specific implementation, details are not described herein for this specification one or more embodiment.

The method that this specification embodiment provides can be by insuring node during carrying out settlement of insurance claim to user The transaction of declaration form data comprising user is uploaded in block chain, and by core pay for declaration form data of the node based on user and The corresponding specified intelligent contract of the declaration form data of user determines that the core of user is paid for as a result, simultaneously node can be paid for by core will include The transaction that the core pays for result is uploaded in block chain, so that other nodes in block chain confirm and record the core compensation of the user As a result.Node can be paid for after uploading declaration form and accident testimonial material by core to confirm and record, avoids these originals Beginning data are tampered；On the other hand determine that core is paid for as a result, making core of the user when there is core to pay for demand based on specified intelligent contract It is also more efficient to pay for efficiency.

Fig. 7 is the realization that the settlement of insurance claim method based on block chain that this specification embodiment provides is applied to identification node Flow diagram.Referring to FIG. 7, including:

Step 710, the transaction of the accident testimonial material comprising user is uploaded in block chain, so that in block chain Core pays for node and confirms and record the accident testimonial material of user, and determines that the core of user is paid for based on the accident testimonial material of user As a result.

The specific implementation of embodiment illustrated in fig. 7 correlation step can refer to step corresponding in FIG. 1 to FIG. 5 illustrated embodiment Specific implementation, details are not described herein for this specification one or more embodiment.

The method that this specification embodiment provides can be by identifying node during carrying out settlement of insurance claim to user The transaction of accident testimonial material comprising user is uploaded in block chain, and node is paid for by core and is demonstrate,proved based on the accident of user The corresponding specified intelligent contract of the declaration form data of bright material and user, determines that the core of user is paid for as a result, can simultaneously pay for by core The transaction for paying for result comprising the core is uploaded in block chain by node, so that other nodes in block chain confirm and record this The core of user pays for result.Node can be paid for after uploading declaration form and accident testimonial material by core to confirm and record, These initial data are avoided to be tampered；On the other hand determine that core is paid for as a result, user is made to have core compensation based on specified intelligent contract Core when demand pays for efficiency also more efficiently.

Fig. 8 is that the settlement of insurance claim method based on block chain that this specification embodiment provides is applied to the realization that core pays for node Flow diagram.Referring to FIG. 8, including:

Step 810, the declaration form data based on user, the accident testimonial material of user and the declaration form data with the user Corresponding specified intelligent contract, determines that the core of the user pays for result；Wherein, the declaration form of the user is uploaded by insurance node Into block chain, the accident testimonial material of the user is uploaded in the block chain by identification node；

Step 820, the transaction for paying for result comprising the core is uploaded in the block chain, so that in the block chain Other nodes confirm and record the user core pay for result.

Optionally, the specified intelligent contract is based on settlement of insurance claim contract corresponding with the declaration form data of the user Preconfigured, the specified intelligent contract is in the transaction of the declaration form data comprising the user and accident comprising the user The transaction of testimonial material is triggered when uploading to the block chain.

Optionally, the declaration form data based on the user, the accident testimonial material of the user and with the user's The corresponding specified intelligent contract of declaration form, determines that the core of the user pays for result, comprising:

The accident testimonial material of declaration form data, the user based on user triggers the declaration form data phase with the user Corresponding specified intelligent contract；

By the specified intelligent contract, determine that the core of the user pays for result.

The identity information of the user；

The Claims Resolution range of the user；

The insurance amount of the user；

The guarantee time limit of the user.

Optionally, the transaction of the accident testimonial material comprising the user is uploaded to the block chain by the identification node In after, the method also includes:

From the declaration form data of storage, the identity of the user carried in the accident testimonial material with the user is searched The target declaration form data that information matches；

If it is determined that there are the target declaration form data in the declaration form data of the storage, then the core pays for node for the mesh Mark declaration form data and the accident testimonial material of the user are associated；

Initialize the Claims Resolution state of the target declaration form data.

Optionally, the transaction of the Claims Resolution bill comprising the user is uploaded in the block chain in the insurance node Later, the method also includes:

If monitoring and getting the transaction of the Claims Resolution bill comprising the user from the insurance node, it is based on institute Claims Resolution bill is stated, the Claims Resolution state of the target declaration form is updated.

The specific implementation of embodiment illustrated in fig. 8 correlation step can refer to step corresponding in FIG. 1 to FIG. 5 illustrated embodiment Specific implementation, details are not described herein for this specification one or more embodiment.

The method that this specification embodiment provides can pay for node by core during carrying out settlement of insurance claim to user The accident testimonial material of declaration form data, user based on user and the corresponding specified intelligent contract of the declaration form data of user, Determine user core pay for as a result, and can by core compensation node by comprising the core compensation result transaction be uploaded in block chain so that Obtain the core compensation result that other nodes in block chain confirm and record the user.On the one hand make on declaration form and accident testimonial material Node can be paid for after passing by core to confirm and record, these initial data is avoided to be tampered；On the other hand it is closed based on specified intelligence About determine that core is paid for as a result, core of the user when there is core to pay for demand is made to pay for efficiency also more efficiently.

Fig. 9 is the structural schematic diagram for the insurance node 900 that this specification embodiment provides, in a kind of Software Implementation In, which may include uploading unit 901.Referring to FIG. 9, wherein:

The transaction of declaration form data comprising user is uploaded in block chain by uploading unit 901, so that the block chain Core pay for node and confirm and record the declaration form data of the user, and the core of the user is determined based on the declaration form of the user Pay for result.

The identity information of the user；

The Claims Resolution range of the user；

The insurance amount of the user；

The guarantee time limit of the user.

Optionally, node is paid in the core of the block chain determine that the core of the user is paid for based on the declaration form data of the user As a result, and by comprising the core of the user pay for result transaction be uploaded in the block chain after, described device further include:

Acquiring unit 902 is monitored and obtains the transaction for paying for result comprising the core；

Core pays for unit 903, is paid for based on the core as a result, settling a claim to the user；

The method that insurance node 900 can be realized the embodiment of the method for Fig. 6, specifically refers to the base of embodiment illustrated in fig. 6 In the settlement of insurance claim method of block chain, repeat no more.

Figure 10 is the structural schematic diagram for the identification node 1000 that this specification embodiment provides, in a kind of Software Implementation In, which may include uploading unit 1001.Referring to FIG. 10, wherein:

The transaction of accident testimonial material comprising user is uploaded in block chain, so that described by uploading unit 1001 Core in block chain pays for node and confirms and record the accident testimonial material of the user, and the accident based on the user proves Material determines that the core of the user pays for result.

The method that identification node 1000 can be realized the embodiment of the method for Fig. 7, specifically refers to the base of embodiment illustrated in fig. 7 In the settlement of insurance claim method of block chain, repeat no more.

Figure 11 is the structural schematic diagram that the core that this specification embodiment provides pays for node 1100, in a kind of Software Implementation In, it may include determination unit 1101 and uploading unit 1102 which, which pays for node 1100,.Please refer to Figure 11, in which:

Determination unit 1101, the accident testimonial material of declaration form data, the user based on user and with the user The corresponding specified intelligent contract of declaration form data, determine that the core of the user pays for result；Wherein, the declaration form data of the user It is uploaded in block chain by insurance node, the accident testimonial material of the user is uploaded in the block chain by identification node；

The transaction for paying for result comprising the core is uploaded in the block chain, so that the area by uploading unit 1102 Other nodes in block chain confirm and record the core compensation result of the user.

Optionally, the determination unit 1101, is used for:

The identity information of the user；

The Claims Resolution range of the user；

The insurance amount of the user；

The guarantee time limit of the user.

Optionally, the accident testimonial material transaction comprising the user is uploaded in the block chain by the identification node Later, described device further include:

Searching unit 1103 carries in lookup and the accident testimonial material of the user from the declaration form data of storage The target declaration form data that the identity information of the user matches；

Associative cell 1104, however, it is determined that there are the target declaration form data in the declaration form data of the storage, then the core Node is paid for be associated the target declaration form data and the accident testimonial material of the user；

Initialization unit 1105 initializes the Claims Resolution state of the target declaration form data.

Optionally, the transaction of the Claims Resolution bill comprising the user is uploaded in the block chain in the insurance node Later, described device further include:

Updating unit 1106, if monitoring and getting the Claims Resolution bill comprising the user from the insurance node Transaction is then based on the Claims Resolution bill, updates the Claims Resolution state of the target declaration form data.

Core pays for the method that node 1100 can be realized the embodiment of the method for Fig. 8, specifically refers to the base of embodiment illustrated in fig. 8 In the settlement of insurance claim method of block chain, repeat no more.

Figure 12 is the structural schematic diagram for a kind of electronic equipment that one embodiment of this specification provides.Figure 12 is please referred to, In hardware view, which includes processor, optionally further comprising internal bus, network interface, memory.Wherein, it deposits Reservoir may include memory, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to also wrap Include nonvolatile memory (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, the electronic equipment It is also possible that hardware required for other business.

Processor, network interface and memory can be connected with each other by internal bus, which can be ISA (Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control always Line etc..Only to be indicated with a four-headed arrow in Figure 12, it is not intended that an only bus or a type of convenient for indicating Bus.

Memory, for storing program.Specifically, program may include program code, and said program code includes calculating Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.

Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer Insurance node is formed on face.Processor executes the program that memory is stored, and is specifically used for executing following operation:

The settlement of insurance claim method based on block chain disclosed in the above-mentioned embodiment illustrated in fig. 6 such as this specification can be applied to locate It manages in device, or realized by processor.Processor may be a kind of IC chip, the processing capacity with signal.In reality During now, each step of the above method can pass through the integrated logic circuit of the hardware in processor or the finger of software form It enables and completing.Above-mentioned processor can be general processor, including central processing unit (Central Processing Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be digital signal processor (Digital Signal Processor, DSP), it is specific integrated circuit (Application Specific Integrated Circuit, ASIC), existing Field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device are divided Vertical door or transistor logic, discrete hardware components.It may be implemented or execute this specification one or more embodiment In disclosed each method, step and logic diagram.General processor can be microprocessor or the processor is also possible to Any conventional processor etc..The step of method in conjunction with disclosed in this specification one or more embodiment, can directly embody Execute completion for hardware decoding processor, or in decoding processor hardware and software module combination execute completion.Software Module can be located at random access memory, flash memory, read-only memory, programmable read only memory or electrically erasable programmable storage In the storage medium of this fields such as device, register maturation.The storage medium is located at memory, and processor reads the letter in memory Breath, in conjunction with the step of its hardware completion above method.

The electronic equipment can also carry out the settlement of insurance claim method based on block chain of Fig. 6, and details are not described herein for this specification.

Figure 13 is the structural schematic diagram for a kind of electronic equipment that one embodiment of this specification provides.Figure 13 is please referred to, In hardware view, which includes processor, optionally further comprising internal bus, network interface, memory.Wherein, it deposits Reservoir may include memory, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to also wrap Include nonvolatile memory (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, the electronic equipment It is also possible that hardware required for other business.

Processor, network interface and memory can be connected with each other by internal bus, which can be ISA (Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control always Line etc..Only to be indicated with a four-headed arrow in Figure 13, it is not intended that an only bus or a type of convenient for indicating Bus.

Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer Identification node is formed on face.Processor executes the program that memory is stored, and is specifically used for executing following operation:

The settlement of insurance claim method based on block chain disclosed in the above-mentioned embodiment illustrated in fig. 7 such as this specification can be applied to locate It manages in device, or realized by processor.Processor may be a kind of IC chip, the processing capacity with signal.In reality During now, each step of the above method can pass through the integrated logic circuit of the hardware in processor or the finger of software form It enables and completing.Above-mentioned processor can be general processor, including central processing unit (Central Processing Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be digital signal processor (Digital Signal Processor, DSP), it is specific integrated circuit (Application Specific Integrated Circuit, ASIC), existing Field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device are divided Vertical door or transistor logic, discrete hardware components.It may be implemented or execute this specification one or more embodiment In disclosed each method, step and logic diagram.General processor can be microprocessor or the processor is also possible to Any conventional processor etc..The step of method in conjunction with disclosed in this specification one or more embodiment, can directly embody Execute completion for hardware decoding processor, or in decoding processor hardware and software module combination execute completion.Software Module can be located at random access memory, flash memory, read-only memory, programmable read only memory or electrically erasable programmable storage In the storage medium of this fields such as device, register maturation.The storage medium is located at memory, and processor reads the letter in memory Breath, in conjunction with the step of its hardware completion above method.

The electronic equipment can also carry out the settlement of insurance claim method based on block chain of Fig. 7, and details are not described herein for this specification.

Figure 14 is the structural schematic diagram for a kind of electronic equipment that one embodiment of this specification provides.Figure 14 is please referred to, In hardware view, which includes processor, optionally further comprising internal bus, network interface, memory.Wherein, it deposits Reservoir may include memory, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to also wrap Include nonvolatile memory (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, the electronic equipment It is also possible that hardware required for other business.

Processor, network interface and memory can be connected with each other by internal bus, which can be ISA (Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control always Line etc..Only to be indicated with a four-headed arrow in Figure 14, it is not intended that an only bus or a type of convenient for indicating Bus.

Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer Core is formed on face pays for node.Processor executes the program that memory is stored, and is specifically used for executing following operation:

The accident testimonial material of declaration form data, the user based on user and opposite with the declaration form data of the user The specified intelligent contract answered, determines that the core of the user pays for result；Wherein, the declaration form data of the user are uploaded by insurance node Into block chain, the accident testimonial material of the user is uploaded in the block chain by identification node；

The settlement of insurance claim method based on block chain disclosed in the above-mentioned embodiment illustrated in fig. 8 such as this specification can be applied to locate It manages in device, or realized by processor.Processor may be a kind of IC chip, the processing capacity with signal.In reality During now, each step of the above method can pass through the integrated logic circuit of the hardware in processor or the finger of software form It enables and completing.Above-mentioned processor can be general processor, including central processing unit (Central Processing Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be digital signal processor (Digital Signal Processor, DSP), it is specific integrated circuit (Application Specific Integrated Circuit, ASIC), existing Field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device are divided Vertical door or transistor logic, discrete hardware components.It may be implemented or execute this specification one or more embodiment In disclosed each method, step and logic diagram.General processor can be microprocessor or the processor is also possible to Any conventional processor etc..The step of method in conjunction with disclosed in this specification one or more embodiment, can directly embody Execute completion for hardware decoding processor, or in decoding processor hardware and software module combination execute completion.Software Module can be located at random access memory, flash memory, read-only memory, programmable read only memory or electrically erasable programmable storage In the storage medium of this fields such as device, register maturation.The storage medium is located at memory, and processor reads the letter in memory Breath, in conjunction with the step of its hardware completion above method.

The electronic equipment can also carry out the settlement of insurance claim method based on block chain of Fig. 8, and details are not described herein for this specification.

Certainly, other than software realization mode, other implementations are not precluded in the electronic equipment of this specification, such as Logical device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow is not limited to each Logic unit is also possible to hardware or logical device.

It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can With or may be advantageous.

In short, being not intended to limit the protection of this specification the foregoing is merely the preferred embodiment of this specification Range.With within principle, made any modification, changes equivalent replacement all spirit in this specification one or more embodiment Into etc., it should be included within the protection scope of this specification one or more embodiment.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.

Claims

1. a kind of settlement of insurance claim system based on block chain, including insurance node, identification node, core pay for node, in which:

The transaction of declaration form data comprising user is uploaded in block chain by the insurance node, so that the core pays for node Confirm and record the declaration form data of the user；

The transaction of accident testimonial material comprising the user is uploaded in the block chain by the identification node, so that The core pays for node and confirms and record the accident testimonial material of the user；

The core pays for node, the accident testimonial material of declaration form data, the user based on the user and with the user The corresponding specified intelligent contract of declaration form data, determine that the core of the user pays for result；And result will be paid for comprising the core Transaction be uploaded in the block chain so that other nodes in the block chain confirm and record the user core pay for As a result.

2. the system as claimed in claim 1, the specified intelligent contract is based on corresponding with the declaration form data of the user Settlement of insurance claim contract it is preconfigured, the specified intelligent contract the declaration form data comprising the user transaction and comprising The transaction of the accident testimonial material of the user is triggered when being uploaded to the block chain.

3. system as claimed in claim 2, the core pays for declaration form data, the accident of the user of the node based on the user Testimonial material and specified intelligent contract corresponding with the declaration form data of the user, determine the core of the user pay for as a result, Include:

The core pays for the accident testimonial material of declaration form data of the node based on user, the user, the guarantor of triggering and the user Single-phase corresponding specified intelligent contract；

The core pays for node by the specified intelligent contract, determines that the core of the user pays for result.

4. the system as claimed in claim 1, following at least one information are carried in the declaration form data of the user:

The identity information of the user；

The Claims Resolution range of the user；

The insurance amount of the user；

The guarantee time limit of the user.

5. system as claimed in claim 4, the identification node will be in the transaction of the accident testimonial material comprising the user After reaching in the block chain,

The core pays for node from the declaration form data of storage, searches the use carried in the accident testimonial material with the user The target declaration form data that the identity information at family matches；

If the core pays for node and determines that, there are the target declaration form data in the declaration form of the storage, the core pays for node for institute It states target declaration form data and the accident testimonial material of the user is associated；

The core pays for the Claims Resolution state of target declaration form data described in node initializing.

6. system as claimed in claim 5, the core pay for node the transaction for paying for result comprising the core is uploaded to it is described After in block chain,

The insurance node is monitored and obtains the transaction for paying for result comprising the core；

The insurance node is based on the core and pays for as a result, settling a claim to the user；

The transaction of Claims Resolution bill comprising the user is uploaded in the block chain by the insurance node.

7. system as claimed in claim 6 uploads the transaction of the Claims Resolution bill comprising the user in the insurance node To after in the block chain,

If the core pays for the transaction that node is monitored and gets the Claims Resolution bill comprising the user from the insurance node, It is then based on the Claims Resolution bill, updates the Claims Resolution state of the target declaration form data.

8. a kind of settlement of insurance claim method based on block chain, the method is applied to insurance node, which comprises

The transaction of declaration form data comprising user is uploaded in block chain, so that the core of the block chain pays for node confirmation simultaneously The declaration form data of the user are recorded, and determine that the core of the user pays for result based on the declaration form data of the user.

9. a kind of settlement of insurance claim method based on block chain, the method is applied to identification node, which comprises

The transaction of accident testimonial material comprising user is uploaded in block chain, so that the core in the block chain pays for node Confirm and record the accident testimonial material of the user, and determines the user's based on the accident testimonial material of the user Core pays for result.

10. a kind of settlement of insurance claim method based on block chain, the method is applied to core and pays for node, which comprises

The accident testimonial material of declaration form data, the user based on user and corresponding with the declaration form data of the user Specified intelligence contract determines that the core of the user pays for result；Wherein, the declaration form data of the user are uploaded to area by insurance node In block chain, the accident testimonial material of the user is uploaded in the block chain by identification node；

The transaction for paying for result comprising the core is uploaded in the block chain, so that other nodes in the block chain are true Recognize and the core for recording the user pays for result.

11. a kind of insurance node, comprising:

The transaction of declaration form data comprising user is uploaded in block chain by uploading unit, so that the core of the block chain is paid for Node confirms and records the declaration form data of the user, and determines that the core of the user is paid for based on the declaration form data of the user As a result.

12. a kind of identification node, comprising:

The transaction of accident testimonial material comprising user is uploaded in block chain by uploading unit, so that in the block chain Core pay for node and confirm and record the accident testimonial material of the user, and based on the accident testimonial material determination of the user The core of the user pays for result.

13. a seed nucleus pays for node, comprising:

Determination unit, the accident testimonial material of declaration form data, the user based on user and the declaration form number with the user According to corresponding specified intelligent contract, determine that the core of the user pays for result；Wherein, the declaration form data of the user are saved by insurance Point is uploaded in block chain, and the accident testimonial material of the user is uploaded in the block chain by identification node；

The transaction for paying for result comprising the core is uploaded in the block chain, so that in the block chain by uploading unit Other nodes confirm and record the core compensation result of the user.

14. a kind of electronic equipment, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed Execute following operation:

15. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one A or multiple programs are when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following behaviour Make:

16. a kind of electronic equipment, comprising:

Processor；And

17. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one A or multiple programs are when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following behaviour Make:

The transaction of accident testimonial material comprising user is uploaded in the block chain, so that the core in the block chain is paid for Node confirms and records the accident testimonial material of the user, and determines the use based on the accident testimonial material of the user The core at family pays for result.

18. a kind of electronic equipment, comprising:

Processor；And

The accident testimonial material of declaration form data, user based on user and corresponding with the declaration form data of the user specified Intelligent contract determines that the core of the user pays for result；Wherein, the declaration form data of the user are uploaded to block chain by insurance node In, the accident testimonial material of the user is uploaded in the block chain by identification node；

19. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one A or multiple programs are when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following behaviour Make: