CN110517157A - The mutually dangerous management method of property, device, medium and electronic equipment - Google Patents
The mutually dangerous management method of property, device, medium and electronic equipment Download PDFInfo
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- CN110517157A CN110517157A CN201910803317.1A CN201910803317A CN110517157A CN 110517157 A CN110517157 A CN 110517157A CN 201910803317 A CN201910803317 A CN 201910803317A CN 110517157 A CN110517157 A CN 110517157A
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- 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
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Abstract
The embodiment of the invention provides a kind of mutually dangerous management method of property, device, medium and electronic equipments, are related to big data processing technology field, this method comprises: obtaining the credit grade wait settle a claim mutually dangerous property and the mutually dangerous buyer of property；Wait mutually dangerous property of settling a claim to settling fee described in calculating, and according to the expense to be paid for calculating the mutually dangerous buyer of the property to settling fee and the credit grade；The mutually dangerous buyer of the property is obtained to the actual delivery time of the expense to be paid；The credit grade is updated according to the actual delivery time.The technical solution of the embodiment of the present invention solves the problems, such as the lower Claims Resolution efficiency of the mutually danger of property in the prior art, calculating mistake of settling fee and pays not in time.
Description
Technical field
The present invention relates to big data processing technology fields, in particular to a kind of mutually dangerous management method of property, dress
It sets, medium and electronic equipment.
Background technique
Currently, in property mutually the settling fee payment scheme of danger being carried out by way of being linked up under line
, not only efficiency is lower for this mode, but also can occupy more human cost.Also, inevitably due to it is artificial because
The problems such as calculating mistake that is plain and causing settling fee and settling fee are paid not in time.Further, due to different transaction
The expense that is paid of side is paid by way of average computation, when there is some or multiple individual counterparties cannot
When timely payment expense, management system will increase the amount of collecting of administration fee, therefore can make the payment amount of other counterparties
It also increases as, increase the financial burden of individual counterparty while also reducing user experience.
It should be noted that information is only used for reinforcing the reason to background of the invention disclosed in above-mentioned background technology part
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The embodiment of the present invention is designed to provide a kind of mutually dangerous management method of property, device, medium and electronic equipment,
And then the problems such as Claims Resolution efficiency is lower and the calculating of settling fee is wrong of property mutually danger is overcome at least to a certain extent.
Other characteristics and advantages of the invention will be apparent from by the following detailed description, or partially by the present invention
Practice and acquistion.
According to one aspect of the disclosure, a kind of mutually dangerous management method of property is provided, comprising:
Obtain the credit grade wait settle a claim mutually dangerous property and the mutually dangerous buyer of property；
Calculate it is described wait mutually dangerous property of settling a claim to settling fee, and according to described to settling fee and the credit
The expense to be paid of the mutually dangerous buyer of property described in rating calculation；
The mutually dangerous buyer of the property is obtained to the actual delivery time of the expense to be paid；
The credit grade is updated according to the actual delivery time.
It is described wait settle a claim the mutually dangerous buyer's of mutually dangerous property, property in a kind of exemplary embodiment of the disclosure
Credit grade and the mutually dangerous buyer of the property are stored in block chain to the actual delivery time of the expense to be paid
In network.
In a kind of exemplary embodiment of the disclosure, the mutually dangerous management method of the property further include:
By it is described to settling fee, the expense to be paid and updated credit grade store to the block link network
Network.
In a kind of exemplary embodiment of the disclosure, packet is updated to the credit grade according to the time of payment
It includes:
Obtain the default time of payment of the expense to be paid stored in block chain network；
Calculate the time difference of the default time of payment Yu the actual delivery time；
According to the size of the time difference, the credit grade is updated.
In a kind of exemplary embodiment of the disclosure, according to the size of the time difference, the credit grade is carried out
Update includes:
Judge whether the time difference is more than or equal to zero；
If the time difference is more than or equal to zero, updating operation is carried out to the credit grade；
If the time difference carries out degraded operation less than zero, to the credit grade.
In a kind of exemplary embodiment of the disclosure, institute is calculated to settling fee and the credit grade according to described
The expense to be paid for stating the mutually dangerous buyer of property includes:
Wherein, Mq is the expense to be paid of the mutually dangerous buyer of q-th of property；
W is wait mutually dangerous property of settling a claim to settling fee；T is the parameter greater than 100；
S1, S2 ..., Sq ..., Sn are the credit scoring of the mutually dangerous buyer of property, wherein the credit scoring takes
Value is [0-100], and the size of the credit scoring is directly proportional to the height of the credit grade；
N is the grade of credit scoring；K1, K2 ..., Kn is that the corresponding property of grade of each credit scoring is mutually nearly purchased
The quantity of buyer；Q is administration fee.
In a kind of exemplary embodiment of the disclosure, the mutually dangerous management method of the property further include:
Judge whether the updated credit grade is lower than default credit grade；
If updated credit grade is lower than the default credit grade, generated according to the updated credit grade
Prompt information.
In a kind of exemplary embodiment of the disclosure, the prompt information is stored in block chain network.
In a kind of exemplary embodiment of the disclosure, mutually nearly bought obtaining wait settle a claim mutually danger property and property
Before the credit grade of person, the mutually dangerous management method of the property further include:
The credit grade of the mutually dangerous buyer of the property is calculated, wherein described calculate the mutually dangerous buyer's of the property
Credit grade includes:
Obtain the user information of the mutually dangerous buyer of the property stored in the block chain network；Wherein, user's letter
Breath includes one of mutually dangerous expense of bank reference, payment reference and property or a variety of；
Calculate the mutually dangerous buyer's of the property according to the mutually dangerous expense of the bank reference, payment reference and property
Credit score；
According to the credit score, the credit grade of the mutually dangerous buyer of the property is calculated.
In a kind of exemplary embodiment of the disclosure, the credit grade of the mutually dangerous buyer of the property is stored in block
In chain network.
According to one aspect of the disclosure, a kind of mutually dangerous managing device of property is provided, comprising:
First obtains module, for obtaining the credit grade wait settle a claim mutually dangerous property and the mutually dangerous buyer of property；
First computing module, for calculate it is described wait mutually dangerous property of settling a claim to settling fee, and according to described wait manage
Compensation expense and the credit grade calculate the expense to be paid of the mutually dangerous buyer of the property；
Second obtains module, when for obtaining actual delivery of the mutually dangerous buyer of the property to the expense to be paid
Between；
Update module, for being updated according to the actual delivery time to the credit grade.
According to one aspect of the disclosure, a kind of computer-readable medium is provided, computer program is stored thereon with, it is described
The property mutually dangerous management method as described in above-mentioned any one is realized when program is executed by processor.
According to one aspect of the disclosure, a kind of electronic equipment is provided, comprising:
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are one or more of
When processor executes, so that one or more of processors realize the mutually dangerous manager of the property as described in above-mentioned any one
Method.
Technical solution provided in an embodiment of the present invention can include the following benefits:
In the technical solution provided by some embodiments of the present invention, on the one hand, by according to settling fee and
Credit grade calculates the expense to be paid of the mutually dangerous buyer of property, avoids since there are some or multiple individual counterparties
When being unable to timely payment expense, management system will increase the amount of collecting of administration fee, therefore can make the payment of other counterparties
The problem of amount also increases as, and increases the financial burden of individual counterparty while also reducing user experience reduces a
The user experience is improved simultaneously for the financial burden of body counterparty；On the other hand, branch is treated by obtaining the mutually dangerous buyer of property
The actual delivery time of payment；Credit grade is updated further according to the actual delivery time so that other users can and
When the updated credit grade of acquisition；In another aspect, pass through described in calculating wait mutually dangerous property of settling a claim to settling fee, and
According to the expense to be paid for calculating the mutually dangerous buyer of the property to settling fee and the credit grade, improve
The calculating accuracy rate and calculating speed of expense to be paid, and then improve Claims Resolution efficiency.
In addition, block chain technology is utilized in the technical solution provided by some embodiments of the present invention, so that wait manage
Pay for the credit grade of the mutually dangerous buyer of mutually dangerous property, property, to settling fee, expense to be paid and updated credit
Grade can be transferred through block chain network to be stored, and then can guarantee mutually nearly to buy wait settle a claim mutually dangerous property, property
The credit grade of person is not tampered to settling fee, expense to be paid and updated credit grade, and also can be realized
Wait the credit grade of the mutually dangerous buyer of settle a claim mutually dangerous property, property, to settling fee, expense to be paid and updated
The trackability of credit grade, the Claims Resolution efficiency for solving the mutually danger of property in the prior art is lower, settling fee calculating mistake
The problem of accidentally and paying not in time.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
It can the limitation present invention.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows and meets implementation of the invention
Example, and be used to explain the principle of the present invention together with specification.It should be evident that the accompanying drawings in the following description is only the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.In the accompanying drawings:
Fig. 1 diagrammatically illustrates a kind of flow chart of the mutually dangerous management method of property of embodiment according to the present invention；
Fig. 2 diagrammatically illustrates the flow chart of the mutually dangerous management method of another property of embodiment according to the present invention；
Fig. 3 diagrammatically illustrates the credit grade of the mutually dangerous buyer of calculating property of embodiment according to the present invention a kind of
Method flow diagram；
Fig. 4 diagrammatically illustrates the mutually dangerous manager of another property based on block chain of embodiment according to the present invention
The flow chart of method；
Fig. 5 diagrammatically illustrates the mutually self-service pipe in danger of the realization property in block chain network of embodiment according to the present invention
The block diagram of the system of reason；
Fig. 6 diagrammatically illustrates the block diagram of the mutually dangerous managing device of property according to an embodiment of the invention；
Fig. 7 shows the structural schematic diagram for being suitable for the computer system for the electronic equipment for being used to realize the embodiment of the present invention.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the present invention will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to the embodiment of the present invention.However,
It will be appreciated by persons skilled in the art that technical solution of the present invention can be practiced without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy each aspect of the present invention.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Fig. 1 diagrammatically illustrates the flow chart of the mutually dangerous management method of property according to an embodiment of the invention, should
The executing subject of management method can be server or terminal device etc..
As shown in Figure 1, the mutually dangerous management method of property according to an embodiment of the invention, includes the following steps
S110, step S120, step S130 and step S140, are illustrated in detailed below:
In step s 110, the credit grade wait settle a claim mutually dangerous property and the mutually dangerous buyer of property is obtained.
In one embodiment, the credit grade wait settle a claim mutually dangerous property and the mutually dangerous buyer of property can store
In block chain network；It further, for example may include vehicle, room and other valuables etc. wait mutually dangerous property of settling a claim；
The mutually dangerous buyer of property for example may include the enterprise registered in block chain network system or individual etc..
In the step s 120, wait mutually dangerous property of settling a claim to settling fee described in calculating, and according to described to settling fee
With and the credit grade calculate the expense to be paid of the mutually dangerous buyer of the property.
In this example embodiment, wait mutually dangerous property of settling a claim can be according to this wait mutual danger of settling a claim to settling fee
The value of insure number and property itself of property is determined, and number of insuring is bigger, and the value of property itself is higher, wait manage
Compensation expense is also higher.Further, the credit grade of the mutually dangerous buyer of property is higher (sincere score is higher), then property is mutual
The expense to be paid of dangerous buyer is fewer.Herein it should be added that, if the credit etc. of the mutually dangerous buyer of each property
Grade is identical, then the mutually dangerous buyer of each property can will be averagely allocated to settling fee.
For example, it can wrap according to the expense to be paid for calculating the mutually dangerous buyer of property to settling fee and credit grade
It includes:
Wherein, Mq is the expense to be paid of the mutually dangerous buyer of q-th of property；W is wait mutually dangerous property of settling a claim wait manage
Compensation expense；T is the parameter greater than 100；S1, S2 ..., Sq ..., Sn are the credit scoring of the mutually dangerous buyer of property, wherein
The value of the credit scoring is [0-100], and the size of the credit scoring is directly proportional to the height of the credit grade；n
For the grade of credit scoring；K1, K2 ..., Kn is the number of the mutually dangerous buyer of the corresponding property of grade of each credit scoring
Amount；Q is administration fee.
In step s 130, the mutually dangerous buyer of the property is obtained to the actual delivery time of the expense to be paid.
In one embodiment, above-mentioned when settling fee and expense to be paid when obtaining, this can also be waited settling a claim
Expense, expense to be paid and how to be held according to needed for obtaining the mutually dangerous buyer of each property to settling fee and credit grade
The calculating detail of the expense to be paid of load is uploaded to block chain network, and so as to each property, mutually dangerous buyer is checked, is kept away
The problem for having exempted to calculate expense to be paid as caused by human factor mistake；Further, when each property is mutually nearly bought
When person views the expense for needing to pay, which can be paid, and successful message feedback will be paid extremely
Block chain network, block chain network can be treated the feedback time of the payment success message as the mutually dangerous buyer of each property
The actual delivery time of payment expense.
In step S140, the credit grade is updated according to the actual delivery time.
In this example embodiment, firstly, the default time of payment for obtaining the expense to be paid of storage (such as can
To be the mutually dangerous buyer of property to the cut-off time of payment to expense to be paid)；Secondly, calculate default time of payment with
The time difference (subtracting the actual delivery time using the default time of payment) of the actual delivery time；Then, according to the time
The size of difference, is updated the credit grade.Specifically, judging whether the time difference is more than or equal to zero；If described
Time difference was more than or equal to for zero (the actual delivery time is earlier than the default time of payment), then carried out updating operation to the credit grade；
If the time difference less than zero (the actual delivery time is later than the default time of payment), carries out degradation behaviour to the credit grade
Make.In one embodiment, the default time of payment can store in block chain.
Herein it should be added that, it is mutual wait settle a claim mutually dangerous property, property by being obtained from block chain network
The mutually dangerous buyer of the credit grade of dangerous buyer, property to actual delivery time of expense to be paid, and will to settling fee,
Expense to be paid and updated credit grade are stored into block chain network, can guarantee wait mutually dangerous property of settling a claim,
The credit grade of the mutually dangerous buyer of property is not tampered to settling fee, expense to be paid and updated credit grade,
And it also can be realized the credit grade wait the mutually dangerous buyer of mutually dangerous property, property that settles a claim, to settling fee, expense to be paid
With and updated credit grade trackability, the Claims Resolution efficiency for solving the mutually danger of property in the prior art is lower, reason
The calculating mistake of compensation expense and payment not in time the problem of；Also, it is also possible that the sincerity of the mutually dangerous buyer of property is commented
Divide and dynamically associated with each insurance kind, the mutually dangerous buyer of property can synchronize because buying the update of the scoring of sincerity caused by certain mutual danger
In other the mutually dangerous managements of product bought to him, friendship of the mutually dangerous buyer of the property in other mutually dangerous products is influenced
Take standard.
Explanation is needed further exist for, it is mutually dangerous wait settle a claim mutually dangerous property, property by being obtained from block chain network
The mutually dangerous buyer of the credit grade of buyer, property to actual delivery time of expense to be paid, and will to settling fee, to
Payment expense and updated credit grade are stored into block chain network, only an exemplary embodiment of the present invention,
It is not intended to limit the present invention.Or can also from cloud memory etc. store equipment from obtain its store wait mutual danger of settling a claim
The mutually dangerous buyer of the credit grade of the mutually dangerous buyer of property, property, property to actual delivery time of expense to be paid,
It will can store to settling fee, expense to be paid and updated credit grade into cloud memory, the present invention is not
As limit.
In the technical solution of embodiment shown in Fig. 1, on the one hand, by being calculated according to settling fee and credit grade
The expense to be paid of the mutually dangerous buyer of property is avoided due to there is some or multiple individual counterparties are unable to timely payment
When expense, management system will increase the amount of collecting of administration fee, therefore the payment amount of other counterparties can be made also with increasing
The problem of adding, increasing the financial burden of individual counterparty while also reducing user experience, reduce the warp of individual counterparty
The user experience is improved simultaneously for Ji burden；On the other hand, by obtaining the mutually dangerous buyer of property to the reality of expense to be paid
Time of payment；Credit grade is updated further according to the actual delivery time, other users is allowed timely to obtain update
Credit grade afterwards；In another aspect, passing through described in calculating wait mutually dangerous property of settling a claim to settling fee, and according to described wait manage
Compensation expense and the credit grade calculate the expense to be paid of the mutually dangerous buyer of the property, improve expense to be paid
Accuracy rate and calculating speed are calculated, and then improves Claims Resolution efficiency.
Fig. 2 schematically shows the mutually dangerous management method of another property according to an embodiment of the present invention.Refering to what is shown in Fig. 2,
The mutually dangerous management method of the property can also include step S210 and step S220 and optional step S230, carry out below detailed
It describes in detail bright.
In step S210, judge whether the updated credit grade is lower than default credit grade.
In step S220, if updated credit grade is lower than the default credit grade, after the update
Credit grade generate prompt information.
Optionally, in step S230, the prompt information is stored to block chain network.
In the following, will step S210- step S230 be explained and be illustrated.First, it is determined that updated credit grade
Whether lower than default credit grade；Wherein, default credit grade can be determined according to the classification rule of credit grade；Example
Such as, when highest credit grade is 10 grades, default credit grade can be 5 grades or 6 grades etc.；When highest credit grade is 5
When grade, default credit grade can be 3 grades or 2 grades etc., self-defining, this example can not do to this according to the actual situation
It is specifically limited；Further, if updated credit grade is lower than default credit grade (for example, highest credit grade is 10
Grade, updated credit grade are 4 grades), then it is mutual according to updated credit grade and the corresponding property of the credit grade
The information of dangerous buyer generates prompt information；Optionally, the prompt information can also be stored to block chain network, so that the wealth
Producing mutually dangerous buyer can check, also, can also check for other users, and do to the mutually dangerous buyer of the property
Risk assessment out.
Fig. 3 schematically shows a kind of side of credit grade for calculating the mutually dangerous buyer of property according to an embodiment of the present invention
Method flow chart.Refering to what is shown in Fig. 3, the credit grade of the mutually dangerous buyer of the calculating property may include step S310, step
S320 and step S330, is described in detail below.
In step s310, the user information of the mutually dangerous buyer of property is obtained；Wherein, the user information includes bank
One of mutually dangerous expense of reference, payment reference and property is a variety of.
In step s 320, the property is calculated according to the mutually dangerous expense of the bank reference, payment reference and property
The mutually credit score of danger buyer.
In step S330, according to the credit score, the credit grade of the mutually dangerous buyer of the property is calculated.
In the following, will step S310- step S330 be explained and be illustrated.Firstly, for the ease of according to each property phase
Mutually the credit grade of danger buyer calculate undertaken needed for the mutually dangerous buyer of each property to settling fee, need first to calculate described
The credit grade of the mutually dangerous buyer of property.Wherein, calculating the credit grade of the mutually dangerous buyer of the property specifically can be with
It include: firstly, the property based on sincerity for obtaining enterprise or individual (the mutually dangerous buyer of property) mutually nearly manages case, bank
Reference (can be inquired in People's Bank of China), payment reference (credit card, loan repayment, insurance premium payment etc.), property (vehicle
Danger, room danger, other insurances of valuables etc.) mutually dangerous expense and equity (divided jointly by practical compensate of the group member of all participations
Load expense, and pay certain administration fee to management platform because not by regulation payment on time should the expense of spreading out will increase other participations
The mutually expense of danger client, sincerity is point higher, and share the expenses is opposite to successively decrease), other mutually dangerous policy informations and payment and Claims Resolution
Record, the proprietary information insured and the user informations such as record of insuring；After getting the user information, according to the user information
Calculate the credit score of the mutually dangerous buyer of property；Finally further according to credit score, credit grade is calculated.For example, credit score
It can be hundred-mark system, credit grade can be 10 grades, then ten points are level-one etc..
In one embodiment, the credit grade of the user information of the mutually dangerous buyer of property and the mutually dangerous buyer of property
It is storable in block chain network.
In one embodiment, enterprise or individual (the mutually dangerous buyer of property) register in block chain network, and base
Case, bank reference (can inquire in People's Bank of China), payment reference (credit card, loan are mutually nearly managed in sincere property
Money refunds, insurance premium payment etc.), the mutually dangerous expense of property (vehicle insurance, room danger and other insurances of valuables etc.) and equity
(carrys out common contribution by the practical compensation of the group member of all participations, and pay certain administration fee to management platform, because not by rule
Fixed payment on time should the expense of spreading out will increase other expenses for participating in mutually dangerous client, sincerity point is higher, and share the expenses is opposite to pass
Subtract), other mutually dangerous policy informations and payments and Claims Resolution record, the proprietary information insured and the user informations such as record of insuring
It is storable in block chain.
Below in conjunction with Fig. 4 to Fig. 5, the realization details of the embodiment of combination block chain of the invention is described in detail:
As shown in figure 4, the mutually dangerous management method of the property based on block chain of embodiment according to the present invention, including it is as follows
Step:
Step S410, block chain node and the building of block chain network.
It, can be based on selected block chain node come structure after selected block chain node in this example embodiment
Build block chain network.For example, can using base, insurance company operating agency as minimum node, and based on one or more group/
The participation of company constructs block chain network.
Step S420, based on the data structure and the storage mode storage property mutually related letter in danger in the embodiment of the present invention
Breath.
In this example embodiment, the relevant information of property mutually danger can be stored in area by way of Transaction Information
In block chain network.Wherein, the input of Transaction Information can be the enterprise registered in systems or the property based on sincerity of individual
Mutually danger management case, bank reference (can be inquired in People's Bank of China), payment reference (credit card, loan repayment, insurance premium
With payment etc.), the mutually dangerous expense of property (vehicle insurance, room danger and other insurances of valuables etc.) and equity be (by all participations
The practical compensation of group member carrys out common contribution, and pays certain administration fee to management platform, because by regulation, payment is not answered on time
Booth expense will increase other expenses for participating in mutually dangerous client, and sincerity point is higher, and share the expenses is opposite to successively decrease), other mutual dangers
Policy information and payment and record of settling a claim, the proprietary information insured and the information such as record of insuring；It is also possible to prove related material
Associated materials such as audio, video, the image of material etc.；The output of Transaction Information may is that the storage links of other materials (are based on
The historical record etc. of the mutually dangerous management information of sincere property), system searches and identifies that automatically the property based on sincerity is mutually dangerous
Manage the risk that may be faced and provide related improved suggestion and the public-key cryptography of message reference personnel etc..Optionally,
Above-mentioned Transaction Information can be stored by data structure as shown in Table 1, to guarantee the high efficiency of information storage and information processing:
Table 1
In the data structure shown in table 1, since relevant information material and other materials would generally include some images, text
The bigger information of data volumes such as shelves, therefore in order to improve storage efficiency and solve the problems, such as that block information is excessive, in the present invention
Embodiment in, the bigger material such as image can be stored in the form of a link within a block, this link value be exactly
Cryptographic Hash that material is encrypted by hash function, such as SHA1 etc., it is this that pointer chain is obtained by hash function
The mode connect can guarantee that content can not distort.And actual material can both be stored in the local storage device of block chain node
In, and can be stored in a manner of cloud storage.Meanwhile the high reliability in order to guarantee material storage, redundancy encoding can be used
Mode material is stored, for example using RS coding (i.e. Reed-Solomon codes is a kind of channel of forward error correction
Coding, effective to the multinomial as caused by correction over-sampling data) or LDPC (Low Density Parity Check
Code, low density parity check code) mode etc. of coding carries out redundancy encoding processing to material.
In this example embodiment, the enterprise that registers in systems or it is personal can be according to the format of above-mentioned table 1 by phase
It closes and mutually nearly manages case, bank reference (can inquire in People's Bank of China), payment reference (credit based on sincere property
Card, loan repayment, insurance premium payment etc.), the mutually dangerous expense of property (vehicle insurance, room danger, other insurances of valuables etc.) and power
Benefit (carrys out common contribution by the practical compensation of the group member of all participations, and pays certain administration fee to management platform, because not pressing
Regulation payment on time should the expense of spreading out will increase other expenses for participating in mutually dangerous client, sincerity point is higher, and share the expenses is opposite to pass
Subtract), other mutually dangerous policy informations and payments and Claims Resolution record, the proprietary information insured and the information such as record of insuring, and
It can prove that the associated materials such as audio, video, the image of associated materials are uploaded in block chain network.
The following table 2 is shown based on the mutually dangerous administrative model of sincere property, i.e., formula above, the number being stored in block chain
According to topology example:
Table 2
Step S430 carries out property according to the information stored in block chain network and mutually nearly manages.
It, can be according to the going through based on sincere property mutually dangerous management information in block chain in this example embodiment
History data, system is searched automatically mutually nearly to be managed the risk that may be faced based on sincere property to identification and provides related improvement
Suggestion, to effectively promote block chain technical application in effective popularization based on the mutually dangerous management aspect of sincere property.
For example, it is possible, firstly, to using the Credit Evaluation System mechanism based on reference timeliness, the mutual dangerous product of purchase is once generated
Claims Resolution, system calculate corresponding contribution according to everyone credit grade, and with pay dues completeness and the deadline be according to
According to updating sincere scoring, for example the range of sincere scoring S is [0,100], after the completion of a Claims Resolution event, the calculating side of S
Formula can be as follows:
Secondly, dynamic allocation are taken in the mutual danger based on credit grade, if certain mutually dangerous product is in a timing node of paying dues
The interior case total amount number that is in danger is W, and the total number of persons for buying such product is K, and credit scoring S is divided into { S1, S2 ... .Sn } altogether
N grade, each grade correspond to number { k1, k2 ... Kn }, administration fee Q, then the credit scoring for buying this product is Sq's
The insurance premium that user q should share in this timing node of paying dues are as follows:
Wherein, Mq is the expense to be paid of the mutually dangerous buyer of q-th of property；Expense to be paid and personal creditablity rating and
The mutually dangerous total number of persons of purchase is related；W is wait mutually dangerous property of settling a claim to settling fee；T is the parameter greater than 100；S1,
S2 ..., Sq ..., Sn is the credit scoring of the mutually dangerous buyer of property, wherein the value of the credit scoring is [0-
100], and the size of the credit scoring is directly proportional to the height of the credit grade；N is the grade of credit scoring；K1,
K2 ..., Kn is the quantity of the mutually dangerous buyer of the corresponding property of grade of each credit scoring；Q is administration fee.
Further, personal integrity scoring is dynamically associated with each insurance kind, and client is because buying sincerity caused by certain mutual danger
The update of scoring can be synchronized in other mutually dangerous managements of product that he is bought, and influence the client in other mutually dangerous products
Standard of paying dues.
Step S440 updates optimization system parameter based on system performance.
In this example embodiment, assess timeliness based on the mutually dangerous management system of sincere property, validity and
Accuracy, based on reference timeliness, (before the last time of payment, faster payment sincerity point is higher, from now closer expired branch
Pay or basic non-payment behavior, sincerity point be lower) mutual dangerous expense dynamic adjustment (sincerity point is higher, and share the expenses is opposite to pass
Subtract) and dynamically associate the comprehensive analysis method of the reimbursement of expense situations of danger (other mutually), constantly adjustment and optimization system parameter,
To mutually nearly be managed by effectively being realized in block chain network based on sincere property, to effectively promote block chain technology
It applies in effective popularization based on the mutually dangerous management aspect of sincere property.
The device of the invention embodiment is introduced below in conjunction with attached drawing.
Fig. 5 diagrammatically illustrates the realization self-service pipe of personal data equipment in block chain network of embodiment according to the present invention
The block diagram of the system of reason.
Referring to Figure 5, embodiment according to the present invention realizes data equipment self-service management in block chain network
System, comprising: block chain network constructs mutually dangerous information storage of subsystem 510, data format definition subsystem 520, property
The mutually dangerous management subsystem 540 of system 530, property and System Performance Analysis subsystem 550.
Wherein, block chain network building subsystem 510 is responsible for building, update and maintenance mechanism and the area of block chain node
Building, update and the maintenance of block chain network.Such as can be using base, insurance company operating agency as minimum node, and it is based on one
Or the participations of multiple insurance pool/companies constructs block chain network.
Data format definition subsystem 520 can be mutually dangerous to store property according to data structure shown in above-mentioned table 1
Transaction Information, to guarantee the high efficiency of information storage and information processing.Wherein, the input of Transaction Information can be infuses in systems
The enterprise of volume or individual mutually nearly managed based on sincere property case, bank reference (can be inquired in People's Bank of China),
Pay reference (credit card, loan repayment, insurance premium payment etc.), property (vehicle insurance, room danger and other insurances of valuables
Deng) mutually dangerous expense and equity (carry out common contribution by the practical compensation of the group member of all participations, and pay one to management platform
Determine administration fee because not by regulation payment on time should the expense of spreading out will increase other expenses for participating in mutually dangerous client, sincerity point is more
Height, share the expenses is opposite to successively decrease), other mutually dangerous policy informations and payments and Claims Resolution record, the proprietary information insured and throwing
Protect the information such as record；It is also possible to prove associated materials such as audio, video, the image of associated materials etc.；Transaction Information it is defeated
May is that out the storage links (historical record etc. based on the mutually dangerous management information of sincere property) of other materials, system from
Dynamic search mutually nearly manages the risk that may be faced based on sincere property to identification and provides related improved suggestion and letter
Cease the public-key cryptography etc. of access personnel.
The mutually dangerous information storage subsystem 530 of property can be used for storing the relevant information of property mutually danger.Specifically, In
The enterprise that is registered in system or it is personal can according to the format of above-mentioned table 1 by correlation based on sincere property mutually nearly management case
Example, bank reference (can be inquired in People's Bank of China), payment reference (credit card, loan repayment, insurance premium payment etc.), wealth
It produces (vehicle insurance, room danger and other insurances of valuables etc.) mutually dangerous expense and equity (is compensated by the group member of all participations is practical
Carry out common contribution, and pay certain administration fee to management platform because not by regulation payment on time should the expense of spreading out will increase
Other participate in the expense of mutually dangerous client, and sincerity point is higher, and share the expenses is opposite to successively decrease), other mutually dangerous policy informations and pay
Expense and record of settling a claim, the proprietary information insured and the information such as record of insuring, and can prove the audio of associated materials, view
Frequently, the associated materials such as image are uploaded in block chain network.
The mutually dangerous management subsystem 540 of property can be used for mutually dangerous to property according to the information stored in block chain network
Whether buyer, which treats settling fee timely payment, is managed.
It, can be according to the going through based on sincere property mutually dangerous management information in block chain in this example embodiment
History data, system is searched automatically mutually nearly to be managed the risk that may be faced based on sincere property to identification and provides related improvement
Suggestion, to effectively promote block chain technical application in effective popularization based on the mutually dangerous management aspect of sincere property.
System Performance Analysis subsystem 550 can assess the timeliness of the mutually dangerous management system of the property based on sincerity, have
Effect property and accuracy, based on reference timeliness, (before the last time of payment, faster payment sincerity point is higher, closer from now
Expired payment or basic non-payment behavior, sincerity point are lower) mutual dangerous expense dynamic adjustment (higher, the share the expenses of sincerity point
It is opposite to successively decrease) and the comprehensive analysis method of the reimbursement of expense situations of danger (other mutually) is dynamically associated, constantly adjustment and optimization is
System parameter, to mutually nearly be managed by effectively being realized in block chain network based on sincere property, to effectively promote area
Block chain technical application is in effective popularization based on the mutually dangerous management aspect of sincere property.
Fig. 6 diagrammatically illustrates the block diagram of the mutually dangerous managing device of property according to an embodiment of the present invention.With reference to Fig. 6 institute
Show, the mutually dangerous managing device of the property may include the first acquisition module 610, the first computing module 620, second acquisition module
630 and update module 640.Wherein:
First acquisition module 610 can be used for obtaining the credit wait settle a claim mutually dangerous property and the mutually dangerous buyer of property
Grade.
First computing module 620 can be used for calculating it is described wait mutually dangerous property of settling a claim to settling fee, and according to institute
State the expense to be paid that the mutually dangerous buyer of the property is calculated to settling fee and the credit grade.
Second acquisition module 630 can be used for obtaining the mutually dangerous buyer of the property to the reality of the expense to be paid
Time of payment.
Update module 640 can be used for being updated the credit grade according to the actual delivery time.
In one embodiment of the invention, the credit etc. wait the mutually dangerous buyer of mutually dangerous property, property that settles a claim
Grade and the mutually dangerous buyer of the property are stored in block chain network the actual delivery time of the expense to be paid.
In one embodiment of the invention, the mutually dangerous managing device of the property further include:
Memory module, for that described will be stored to settling fee, the expense to be paid and updated credit grade
To the block chain network.
In one embodiment of the invention, update module 640 can be configured as: store in acquisition block chain network
The default time of payment of the expense to be paid；Calculate the time difference of the default time of payment Yu the actual delivery time；
According to the size of the time difference, the credit grade is updated.
In one embodiment of the invention, update module 640 can be additionally configured to: judge whether the time difference is big
In equal to zero；If the time difference is more than or equal to zero, updating operation is carried out to the credit grade；If the time difference
Less than zero, then degraded operation is carried out to the credit grade.
In one embodiment of the invention, first computing module 620 can be configured as:
Wherein, Mq is the expense to be paid of the mutually dangerous buyer of q-th of property；W is wait mutually dangerous property of settling a claim wait manage
Compensation expense；T is the parameter greater than 100；S1, S2 ..., Sq ..., Sn are the credit scoring of the mutually dangerous buyer of property, wherein
The value of the credit scoring is [0-100], and the size of the credit scoring is directly proportional to the height of the credit grade；n
For the grade of credit scoring；K1, K2 ..., Kn is the number of the mutually dangerous buyer of the corresponding property of grade of each credit scoring
Amount；Q is administration fee.
In one embodiment of the invention, the mutually dangerous managing device of the property further include:
Judgment module, can be used for judging whether the updated credit grade is lower than default credit grade；
Prompt information generation module, if can be used for updated credit grade is lower than the default credit grade,
Prompt information is generated according to the updated credit grade.
Optionally, it may also include prompt information memory module, can be used for storing the prompt information to block link network
Network or other storaging mediums.
In some embodiments of the invention, aforementioned schemes, the mutually dangerous managing device of the property are based on further include:
Second class computing module can be used for calculating the credit grade of the mutually dangerous buyer of the property.
Optionally, it may also include credit grade memory module, for by the credit grade of the mutually dangerous buyer of the property
It stores to block chain network or other storaging mediums.
In one embodiment of the invention, first computing module 620 can be configured as:
Obtain the user information of the mutually dangerous buyer of the property stored in the block chain network；Wherein, user's letter
Breath includes one of mutually dangerous expense of bank reference, payment reference and property or a variety of；
Calculate the mutually dangerous buyer's of the property according to the mutually dangerous expense of the bank reference, payment reference and property
Credit score；
According to the credit score, the credit grade of the mutually dangerous buyer of the property is calculated.
Below with reference to Fig. 7, it illustrates the computer systems 700 for the electronic equipment for being suitable for being used to realize the embodiment of the present invention
Structural schematic diagram.The computer system 700 of electronic equipment shown in Fig. 7 is only an example, should not be to the embodiment of the present invention
Function and use scope bring any restrictions.
As shown in fig. 7, computer system 700 includes central processing unit (CPU) 701, it can be read-only according to being stored in
Program in memory (ROM) 702 or be loaded into the program in random access storage device (RAM) 703 from storage section 708 and
Execute various movements appropriate and processing.In RAM 703, it is also stored with various programs and data needed for system operatio.CPU
701, ROM 702 and RAM 703 is connected with each other by bus 704.Input/output (I/O) interface 705 is also connected to bus
704。
I/O interface 705 is connected to lower component: the importation 706 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 707 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 708 including hard disk etc.；
And the communications portion 709 of the network interface card including LAN card, modem etc..Communications portion 709 via such as because
The network of spy's net executes communication process.Driver 710 is also connected to I/O interface 705 as needed.Detachable media 711, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 710, in order to read from thereon
Computer program be mounted into storage section 708 as needed.
Particularly, according to an embodiment of the invention, may be implemented as computer above with reference to the process of flow chart description
Software program.For example, the embodiment of the present invention includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 709, and/or from detachable media
711 are mounted.When the computer program is executed by central processing unit (CPU) 701, executes and limited in the system of the application
Above-mentioned function.
It should be noted that computer-readable medium shown in the present invention can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In the present invention, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In invention, computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present invention can be realized by way of software, can also be by hard
The mode of part realizes that described unit also can be set in the processor.Wherein, the title of these units is in certain situation
Under do not constitute restriction to the unit itself.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in electronic equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying electronic equipment.
Above-mentioned computer-readable medium carries one or more program, when the electronics is set by one for said one or multiple programs
When standby execution, so that the electronic equipment is realized such as the mutually dangerous management method of above-mentioned property as described in the examples.
For example, the electronic equipment may be implemented as shown in Figure 1: step S110 is obtained wait mutually dangerous wealth of settling a claim
The credit grade of production and the mutually dangerous buyer of property；Step S120, calculate it is described wait mutually dangerous property of settling a claim to settling fee
With, and according to the expense to be paid for calculating the mutually dangerous buyer of the property to settling fee and the credit grade；
Step S130 obtains the mutually dangerous buyer of the property to the actual delivery time of the expense to be paid；Step S140, according to
The actual delivery time is updated the credit grade.
For another example, each step as shown in Figures 2 to 4 may be implemented in the electronic equipment.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member, but this division is not enforceable.In fact, embodiment according to the present invention, it is above-described two or more
Module or the feature and function of unit can embody in a module or unit.Conversely, an above-described mould
The feature and function of block or unit can be to be embodied by multiple modules or unit with further division.
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the present invention
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, touch control terminal or network equipment etc.) executes embodiment according to the present invention
Method.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to of the invention its
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the invention, these modifications, purposes or
Person's adaptive change follows general principle of the invention and including the undocumented common knowledge in the art of the present invention
Or conventional techniques.The description and examples are only to be considered as illustrative, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims.
Claims (11)
1. a kind of mutually dangerous management method of property characterized by comprising
Obtain the credit grade wait settle a claim mutually dangerous property and the mutually dangerous buyer of property；
Calculate it is described wait mutually dangerous property of settling a claim to settling fee, and according to described to settling fee and the credit grade
Calculate the expense to be paid of the mutually dangerous buyer of the property；
The mutually dangerous buyer of the property is obtained to the actual delivery time of the expense to be paid；
The credit grade is updated according to the actual delivery time.
2. the mutually dangerous management method of property according to claim 1, which is characterized in that it is described wait mutually dangerous property of settling a claim,
The credit grade and the property mutually actual delivery of the danger buyer to the expense to be paid of the mutually dangerous buyer of property
Time is stored in block chain network.
3. the mutually dangerous management method of property according to claim 2, which is characterized in that the mutually dangerous management method of the property
Further include:
By it is described to settling fee, the expense to be paid and updated credit grade store to the block chain network.
4. the mutually dangerous management method of property according to claim 1, which is characterized in that according to the time of payment to described
Credit grade, which is updated, includes:
Obtain the default time of payment of the expense to be paid；
Calculate the time difference of the default time of payment Yu the actual delivery time；
According to the size of the time difference, the credit grade is updated.
5. the mutually dangerous management method of property according to claim 4, which is characterized in that according to the size of the time difference,
The credit grade is updated and includes:
Judge whether the time difference is more than or equal to zero；
If the time difference is more than or equal to zero, updating operation is carried out to the credit grade；
If the time difference carries out degraded operation less than zero, to the credit grade.
6. the mutually dangerous management method of property according to claim 1, which is characterized in that according to it is described to settling fee and
The expense to be paid that the credit grade calculates the mutually dangerous buyer of the property includes:
Wherein, Mq is the expense to be paid of the mutually dangerous buyer of q-th of property；
W is wait mutually dangerous property of settling a claim to settling fee；T is the parameter greater than 100；
S1, S2 ..., Sq ..., Sn are the credit scoring of the mutually dangerous buyer of property, wherein the value of the credit scoring is
[0-100], and the size of the credit scoring is directly proportional to the height of the credit grade；
N is the grade of credit scoring；K1, K2 ..., Kn is the mutually dangerous buyer of the corresponding property of grade of each credit scoring
Quantity；Q is administration fee.
7. the mutually dangerous management method of property according to claim 1, which is characterized in that the mutually dangerous management method of the property
Further include:
Judge whether the updated credit grade is lower than default credit grade；
If updated credit grade is lower than the default credit grade, prompt is generated according to the updated credit grade
Information.
8. the mutually dangerous management method of property according to claim 1, which is characterized in that obtaining wait mutually dangerous property of settling a claim
And before the credit grade of the mutually dangerous buyer of property, the mutually dangerous management method of the property further include:
Calculate the credit grade of the mutually dangerous buyer of the property；
Wherein, the credit grade for calculating the mutually dangerous buyer of the property includes:
Obtain the user information of the mutually dangerous buyer of property；Wherein, the user information include bank reference, payment reference and
One of mutually dangerous expense of property is a variety of；
The credit of the mutually dangerous buyer of the property is calculated according to the mutually dangerous expense of the bank reference, payment reference and property
Score；
According to the credit score, the credit grade of the mutually dangerous buyer of the property is calculated.
9. a kind of mutually dangerous managing device of property characterized by comprising
First obtains module, for obtaining the credit grade wait settle a claim mutually dangerous property and the mutually dangerous buyer of property；
First computing module, for calculate it is described wait mutually dangerous property of settling a claim to settling fee, and according to described to settling fee
With and the credit grade calculate the expense to be paid of the mutually dangerous buyer of the property；
Second obtains module, for obtaining the mutually dangerous buyer of the property to the actual delivery time of the expense to be paid；
Update module, for being updated according to the actual delivery time to the credit grade.
10. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is held by processor
It is realized when row such as the mutually dangerous management method of property of any of claims 1-8.
11. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are by one or more of processing
When device executes, so that one or more of processors are realized as the described in any item properties of claim 1-8 mutually nearly manage
Method.
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