CN110517157B - Method, device, medium and electronic equipment for managing mutual insurance of property - Google Patents
Method, device, medium and electronic equipment for managing mutual insurance of property Download PDFInfo
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- CN110517157B CN110517157B CN201910803317.1A CN201910803317A CN110517157B CN 110517157 B CN110517157 B CN 110517157B CN 201910803317 A CN201910803317 A CN 201910803317A CN 110517157 B CN110517157 B CN 110517157B
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Abstract
The embodiment of the invention provides a method, a device, a medium and electronic equipment for managing mutual insurance of properties, which relate to the technical field of big data processing, and the method comprises the following steps: acquiring the property to be claimed and the credit level of a buyer of the property mutual insurance; calculating the expense to be settled of the property to be settled and mutually insurance, and calculating the expense to be paid of the buyer mutually insurance of the property according to the expense to be settled and the credit rating; acquiring the actual payment time of the property mutual insurance buyer to the expense to be paid; and updating the credit rating according to the actual payment time. The technical scheme of the embodiment of the invention solves the problems of low claim settlement efficiency, wrong calculation of claim settlement cost and untimely payment of mutual property insurance in the prior art.
Description
Technical Field
The invention relates to the technical field of big data processing, in particular to a method, a device, a medium and electronic equipment for managing mutual insurance of property.
Background
At present, in a scheme for paying claim settlement fees for mutual insurance of properties, most of the payment is carried out in a offline communication mode, and the mode is not only low in efficiency, but also occupies more labor cost. And, the problems of wrong calculation of the claim settlement cost, untimely payment of the claim settlement cost and the like caused by human factors are inevitable. Furthermore, because the fees paid by different transaction parties are paid in an average calculation mode, when one or more individual transaction parties cannot pay in time, the management system can increase the collection amount of the management fee, so that the payment amounts of other transaction parties are increased, the economic burden of the individual transaction parties is increased, and the user experience is reduced.
It is noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the invention and therefore it may contain information that does not form the prior art that is already known to a person of ordinary skill in the art.
Disclosure of Invention
Embodiments of the present invention provide a method, an apparatus, a medium, and an electronic device for managing mutual insurance of properties, so as to overcome the problems of low claim settlement efficiency and erroneous calculation of claim settlement cost of mutual insurance of properties at least to a certain extent.
Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.
According to one aspect of the present disclosure, there is provided a mutual asset insurance management method, including:
acquiring the property to be claimed and the credit level of a buyer of the property mutual insurance;
calculating the expense to be claimed of the mutual insurance property to be claimed, and calculating the expense to be paid of the mutual insurance buyer of the property according to the expense to be claimed and the credit rating;
acquiring the actual payment time of the property mutual insurance buyer to the fee to be paid;
and updating the credit rating according to the actual payment time.
In an exemplary embodiment of the disclosure, the mutual insurance property to be claim, the credit rating of the mutual insurance buyer of the property, and the actual time of payment of the mutual insurance buyer of the property for the expense to be paid are all stored in a blockchain network.
In an exemplary embodiment of the present disclosure, the mutual asset insurance management method further includes:
and storing the fee to be settled, the fee to be paid and the updated credit rating to the blockchain network.
In an exemplary embodiment of the present disclosure, updating the credit rating according to the payment time includes:
acquiring preset payment time of the to-be-paid fee stored in a block chain network;
calculating the time difference between the preset payment time and the actual payment time;
and updating the credit level according to the time difference.
In an exemplary embodiment of the present disclosure, updating the credit level according to the size of the time difference includes:
judging whether the time difference is greater than or equal to zero or not;
if the time difference is greater than or equal to zero, upgrading the credit level;
and if the time difference is smaller than zero, performing a downgrade operation on the credit level.
In an exemplary embodiment of the disclosure, calculating the fees to be paid of the mutual asset insurance purchaser based on the fees to be claim and the credit rating comprises:
wherein Mq is the fee to be paid of the qth property mutual insurance buyer;
w is the expense to be settled of the mutual insurance property to be settled; t is a parameter greater than 100;
s1, S2, sq, sn is a credit score of a property mutual risk buyer, wherein the value of the credit score is [0-100], and the size of the credit score is in direct proportion to the level of the credit grade;
n is the level of credit score; k1, K2.. K, kn is the number of mutual insurance purchasers of the property corresponding to each credit score level; q is the overhead charge.
In an exemplary embodiment of the present disclosure, the property mutual insurance management method further includes:
judging whether the updated credit level is lower than a preset credit level;
and if the updated credit level is lower than the preset credit level, generating prompt information according to the updated credit level.
In an exemplary embodiment of the present disclosure, the hint information is stored in a blockchain network.
In an exemplary embodiment of the disclosure, before acquiring the credit rating of the mutual insurance property to be settled and the mutual insurance buyer, the mutual insurance management method for property further includes:
calculating a credit rating of said mutual insurance purchaser of property, wherein said calculating a credit rating of said mutual insurance purchaser of property comprises:
acquiring user information of the property mutual insurance buyers stored in the block chain network; wherein the user information comprises one or more of bank credit investigation, payment credit investigation and property mutual insurance cost;
calculating the credit score of the property mutual insurance buyer according to the bank credit investigation, the payment credit investigation and the property mutual insurance cost;
and calculating the credit rating of the buyer of the mutual insurance of the property according to the credit score.
In an exemplary embodiment of the disclosure, the credit rating of the buyer of mutual insurance of property is stored in a blockchain network.
According to an aspect of the present disclosure, there is provided a mutual asset insurance management apparatus including:
the first acquisition module is used for acquiring the property to be claimed and the credit level of the buyer of the property mutual insurance;
the first calculation module is used for calculating the expenses to be settled of the properties to be settled and mutually insurance, and calculating the expenses to be paid of the buyer to mutually insurance of the properties according to the expenses to be settled and the credit rating;
the second acquisition module is used for acquiring the actual payment time of the property mutual insurance buyer to the expense to be paid;
and the updating module is used for updating the credit grade according to the actual payment time.
According to an aspect of the present disclosure, there is provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements a mutual asset risk management method as claimed in any one of the above.
According to an aspect of the present disclosure, there is provided an electronic device including:
one or more processors;
a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the mutual asset risk management method as in any one of the above.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
in the technical solutions provided by some embodiments of the present invention, on one hand, the to-be-paid fee of the buyer in mutual insurance of the property is calculated according to the to-be-settled fee and the credit rating, so that the problem that the payment amount of other transaction parties is increased along with the increase of the payment amount of the individual transaction party and the user experience is reduced because the management system increases the collection amount of the management fee when one or more individual transaction parties cannot pay in time is avoided, and the economic burden of the individual transaction party is reduced and the user experience is improved; on the other hand, the actual payment time of the property mutual risk buyer to the payment to be made is obtained; updating the credit rating according to the actual payment time, so that other users can acquire the updated credit rating in time; on the other hand, the calculation accuracy and the calculation speed of the expenses to be paid are improved and the claim settlement efficiency is further improved by calculating the expenses to be claimed of the mutual insurance property to be claimed and calculating the expenses to be paid of the mutual insurance buyer of the property according to the expenses to be claimed and the credit rating.
In addition, in the technical solutions provided by some embodiments of the present invention, a blockchain technology is utilized, so that the mutual insurance property to be claimed, the credit rating of the mutual insurance buyer of the property, the fee to be claimed, the fee to be paid and the updated credit rating can all be stored through a blockchain network, thereby ensuring that the mutual insurance property to be claimed, the credit rating of the mutual insurance buyer of the property, the fee to be claimed, the fee to be paid and the updated credit rating are not tampered, and realizing traceability of the mutual insurance property to be claimed, the credit rating of the mutual insurance buyer of the property, the fee to be claimed, the fee to be paid and the updated credit rating, thereby solving the problems of low mutual insurance claim efficiency, miscalculation of the fee and untimely payment in the prior art.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort. In the drawings:
FIG. 1 schematically illustrates a flow chart of a method of mutual asset risk management according to an embodiment of the present invention;
FIG. 2 schematically illustrates a flow diagram of another method of mutual asset risk management in accordance with an embodiment of the present invention;
FIG. 3 schematically illustrates a flow diagram of a method for calculating a credit rating of a buyer of mutual insurance of property, in accordance with an embodiment of the present invention;
FIG. 4 is a flow diagram that schematically illustrates another method for mutual asset risk management based on blockchains, in accordance with an embodiment of the present invention;
FIG. 5 schematically illustrates a block diagram of a system for implementing mutual asset insurance self-service management in a blockchain network, in accordance with an embodiment of the present invention;
FIG. 6 schematically illustrates a block diagram of a mutual asset risk management arrangement, according to one embodiment of the present invention;
FIG. 7 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations or operations have not been shown or described in detail to avoid obscuring aspects of the invention.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flowcharts shown in the figures are illustrative only and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
Fig. 1 schematically shows a flowchart of a mutual asset insurance management method according to an embodiment of the present invention, and an execution subject of the management method may be a server or a terminal device.
As shown in fig. 1, the method for managing mutual insurance of property according to an embodiment of the present invention includes steps S110, S120, S130 and S140, which are described in detail below:
in step S110, the credit rating of the mutual insurance property to be claimed and the buyer of the mutual insurance of the property are obtained.
In one embodiment, the mutual insurance property to be claimed and the credit rating of the buyer of the mutual insurance of the property may both be stored in the blockchain network; further, the mutual insurance property to be settled may include, for example, cars, houses, other valuables, etc.; a mutual asset risk buyer can include, for example, a business or individual that has registered in a blockchain network system, etc.
In step S120, a to-be-claimed fee of the to-be-claimed mutual insurance property is calculated, and a to-be-paid fee of the property mutual insurance buyer is calculated according to the to-be-claimed fee and the credit rating.
In the exemplary embodiment, the fee to be settled of the mutual insurance property to be settled can be determined according to the insurance amount of the mutual insurance property to be settled and the value of the property itself, and the larger the insurance amount is, the higher the value of the property itself is, and the higher the fee to be settled is. Further, the higher the credit rating (the higher the loyalty score) of the property mutual risk buyer, the less the property mutual risk buyer's fee to be paid. It should be added here that if the credit rating of each property mutual insurance buyer is the same, the fees to be settled can be equally distributed to each property mutual insurance buyer.
For example, calculating the fees to be paid by the buyer of the mutual asset insurance based on the fees to be claimed and the credit rating may include:
wherein Mq is the fee to be paid of the qth property mutual insurance buyer; w is the expense to be settled of the mutual insurance property to be settled; t is a parameter greater than 100; s1, S2, sq, sn is a credit score of a property mutual risk buyer, wherein the value of the credit score is [0-100], and the size of the credit score is in direct proportion to the level of the credit grade; n is the level of credit score; k1, K2.. K, kn is the number of mutual insurance purchasers of the property corresponding to each credit score level; q is the overhead charge.
In step S130, the actual payment time of the mutual insurance buyer for the to-be-paid fee is obtained.
In one embodiment, when the to-be-claimed fee and the to-be-paid fee are obtained, the to-be-claimed fee, the to-be-paid fee and the calculation details of how to obtain the to-be-paid fee required by each property mutual insurance buyer according to the to-be-claimed fee and the credit rating can be uploaded to the block chain network, so that each property mutual insurance buyer can check the to-be-paid fee conveniently, and the problem of calculation error of the to-be-paid fee caused by human factors is avoided; further, when the mutual insurance buyers of each property check the fees to be paid, the fees to be paid can be paid, the successful payment message is fed back to the blockchain network, and the blockchain network can take the feedback time of the successful payment message as the actual payment time of the mutual insurance buyers of each property to be paid.
In step S140, the credit rating is updated according to the actual payment time.
In the present exemplary embodiment, first, a stored preset payment time of the fee to be paid is obtained (for example, the preset payment time of the buyer of mutual insurance of property for the fee to be paid may be an ending payment time of the fee to be paid); secondly, calculating the time difference between the preset payment time and the actual payment time (subtracting the actual payment time from the preset payment time); then, the credit level is updated according to the time difference. Specifically, whether the time difference is greater than or equal to zero is judged; if the time difference is larger than or equal to zero (the actual payment time is earlier than the preset payment time), upgrading the credit level; and if the time difference is less than zero (the actual payment time is later than the preset payment time), performing degradation operation on the credit level. In one embodiment, the preset payment time may be stored in a blockchain.
It should be added and explained here that, by acquiring the property to be claimed, the credit rating of the buyer of the property mutual insurance, and the actual payment time of the buyer of the property mutual insurance to pay from the blockchain network, and storing the charge to be claimed, the charge to be paid, and the updated credit rating into the blockchain network, the traceability of the property to be claimed, the credit rating of the buyer of the property mutual insurance, the charge to be claimed, the charge to be paid, and the updated credit rating can be guaranteed not to be falsified, and the traceability of the property to be claimed, the credit rating of the buyer of the property mutual insurance, the charge to be claimed, the charge to be paid, and the updated credit rating can be realized, thereby solving the problems of low benefit efficiency of the property mutual insurance, miscalculation of the benefit, and untimely payment in the prior art; furthermore, the integrity scores of the property mutual risk buyers can be dynamically associated with various risks, and the updating of the integrity scores generated by the property mutual risk buyers for buying certain mutual risks can be synchronized into the management of other mutual risk products purchased by the property mutual risk buyers, so that the payment standards of the property mutual risk buyers in other mutual risk products are influenced.
It should be further noted that, the method for acquiring the mutual insurance property to be claim, the credit rating of the buyer of the mutual insurance property, and the actual payment time of the buyer of the mutual insurance property to pay from the blockchain network, and storing the expense to be claim, the expense to be paid, and the updated credit rating in the blockchain network are only an exemplary embodiment of the present invention, and are not limited to the present invention. Or the stored property to be claimed, the credit rating of the buyer in mutual insurance of the property, and the actual payment time of the buyer in mutual insurance of the property for paying the fee may be acquired from the storage device such as the cloud storage, and the fee to be claimed, the fee to be paid, and the updated credit rating may be stored in the cloud storage, which is not limited in the present invention.
In the technical scheme of the embodiment shown in fig. 1, on one hand, the to-be-paid fee of the property mutual insurance purchaser is calculated according to the to-be-paid fee and the credit rating, so that the problem that the payment amount of other transaction parties is increased along with the increase of the payment amount of one or more individual transaction parties when the individual transaction parties cannot pay in time and the collection amount of the management fee is increased by the management system is avoided, the economic burden of the individual transaction parties is increased, the user experience is reduced, and the user experience is improved; on the other hand, the actual payment time of the property mutual risk buyer to the payment to be made is obtained; updating the credit rating according to the actual payment time, so that other users can acquire the updated credit rating in time; on the other hand, the calculation accuracy and the calculation speed of the to-be-paid cost are improved and the claim settlement efficiency is further improved by calculating the to-be-paid cost of the to-be-settled mutual insurance property and calculating the to-be-paid cost of the property mutual insurance purchaser according to the to-be-settled cost and the credit rating.
FIG. 2 schematically illustrates another method of mutual asset risk management according to an embodiment of the present invention. Referring to fig. 2, the mutual insurance management method for property may further include steps S210 and S220, and optionally step S230, which will be described in detail below.
In step S210, it is determined whether the updated credit level is lower than a preset credit level.
In step S220, if the updated credit level is lower than the preset credit level, a prompt message is generated according to the updated credit level.
Optionally, in step S230, the hint information is stored to the blockchain network.
Next, steps S210 to S230 will be explained and explained. Firstly, judging whether the updated credit level is lower than a preset credit level; the preset credit level can be determined according to the grading rule of the credit level; for example, when the highest credit level is level 10, the preset credit level may be level 5 or level 6, and so on; when the highest credit level is level 5, the preset credit level may be level 3 or level 2, and the preset credit level may be defined according to the actual situation, which is not limited in this example; further, if the updated credit rating is lower than the preset credit rating (for example, the highest credit rating is 10, and the updated credit rating is 4), generating a prompt message according to the updated credit rating and the information of the mutual asset insurance purchasers corresponding to the credit rating; optionally, the prompt information may also be stored in the blockchain network, so that the buyer of mutual insurance of the property can view the prompt information, and can also view the prompt information for other users, and make risk assessment for the buyer of mutual insurance of the property.
FIG. 3 schematically illustrates a flow chart of a method for calculating a credit rating of a buyer of mutual insurance for an asset, in accordance with an embodiment of the invention. Referring to FIG. 3, the credit rating of the buyer of the cyber property may include step S310, step S320 and step S330, which will be described in detail below.
In step S310, user information of the buyer of the mutual insurance of the property is acquired; wherein the user information comprises one or more of bank credit investigation, payment credit investigation and property mutual insurance cost.
In step S320, a credit score of the buyer of mutual insurance of property is calculated according to the bank credit investigation, the payment credit investigation and the cost of mutual insurance of property.
In step S330, a credit rating of the buyer of the mutual insurance of the property is calculated according to the credit score.
Next, steps S310 to S330 will be explained and explained. Firstly, in order to calculate the expense to be settled which is required to be undertaken by each property mutual insurance buyer according to the credit rating of each property mutual insurance buyer, the credit rating of the property mutual insurance buyer is required to be calculated. Wherein, calculating the credit rating of the buyer of the mutual insurance of the property specifically comprises: firstly, acquiring user information such as an enterprise or an individual (a buyer of mutual insurance of property) for managing mutual insurance of property based on integrity, bank credit investigation (inquiring in a Chinese people bank), payment credit investigation (a credit card, loan repayment, insurance cost payment and the like), mutual insurance cost and rights of property (vehicle insurance, house insurance, other valuables and the like) (sharing cost according to actual claims of all participating group members and paying certain management cost to a management platform, because the fees of other participating mutual insurance clients can be increased when the fees are not paid according to the regulations and are to be shared on time, the higher the integrity score is, the lower the sharing cost is relatively), other mutual insurance policy information and payment and settlement claim records, and insured property information and insurance application records; after the user information is acquired, calculating the credit score of the buyer in the mutual insurance of the property according to the user information; and finally, calculating the credit grade according to the credit score. For example, the credit score may be a percentage, the credit rating may be a rating of 10, a decile rating of one, and so on.
In one embodiment, the user information of the buyer of mutual insurance of property and the credit rating of the buyer of mutual insurance of property may be stored in a blockchain network.
In one embodiment, a business or individual (buyer of mutual insurance) is registered in the blockchain network and based on the honest management cases of mutual insurance of property, bank credit investigation (which can be inquired in the Chinese people bank), payment credit investigation (credit card, loan repayment, insurance cost payment, etc.), property (car insurance, house insurance, etc.) mutual insurance cost and interest (sharing cost according to the actual claims of all participating group members and paying a certain management cost to the management platform, because paying the expense on time without regulations can increase the cost of other participating clients, the higher the credit score is, the lower the sharing cost is, other mutual insurance policy information and payment and settlement records, the insured property information and insurance records, and other user information such as insurance policy information and payment recordsAre all made ofMay be stored in a chain of blocks.
Implementation details of embodiments of the present invention of a bonding block chain are set forth in detail below with reference to fig. 4-5:
as shown in fig. 4, the method for managing mutual property insurance based on block chain according to the embodiment of the present invention includes the following steps:
step S410, building a blockchain node and a blockchain network.
In this example embodiment, after the blockchain node is selected, a blockchain network may be constructed based on the selected blockchain node. For example, a blockchain network may be constructed with insurance company base offices as the smallest nodes and based on the participation of one or more groups/companies.
Step S420, storing the related information of the mutual insurance of the property based on the data structure and the storage manner in the embodiment of the present invention.
In this example embodiment, information relating to mutual insurance of properties may be stored in the blockchain network in the form of transaction information. The input of the transaction information can be enterprise or personal property mutual insurance management cases based on integrity, bank credit investigation (inquiring in the Chinese people bank), payment credit investigation (credit card, loan repayment, insurance cost payment, etc.), property (car insurance, house insurance and other valuable insurance, etc.) mutual insurance cost and rights (sharing cost according to the actual payment of all participating group members and paying certain management cost to the management platform, because the charge to be shared is increased when not paying according to the rule, the sharing cost is relatively decreased when the credit score is higher, other mutual insurance policy information and payment and claim settlement records, the property information to be insured and insurance application records, etc. of enterprises or individuals registered in the system; or audio, video, image, etc. related material that proves the related material; the output of the transaction information may be: other material deposit links (history of integrity-based mutual insurance management information, etc.), automatic system lookup and identification of risks that integrity-based mutual insurance management may face and give suggestions of relevant improvements, and public keys of information visitors, etc. Alternatively, the above transaction information may be stored by a data structure as shown in table 1 to ensure high efficiency of information storage and information processing:
TABLE 1
In the data structure shown in table 1, since the related information material and other materials usually include some information with a relatively large data size, such as images and documents, in order to improve storage efficiency and solve the problem of excessive block information, in an embodiment of the present invention, the relatively large material, such as an image, may be stored in a block in a linked form, where the linked value is a hash value obtained by encrypting the material through a hash function, such as SHA1, and the way of obtaining pointer links through the hash function can ensure that the content is not falsifiable. The actual materials can be stored in local storage equipment of the block chain nodes and can also be stored in a cloud storage mode. Meanwhile, in order to ensure high reliability of material storage, the material may be stored by using a redundant coding method, such as RS coding (Reed-Solomon codes, which is a forward error correction channel coding that is effective for a polynomial generated by correcting oversampled data) or LDPC (Low Density Parity Check Code) coding.
In this exemplary embodiment, a business or an individual registered in the system may upload related information such as related integrity-based mutual insurance management cases, bank credit (inquired in the chinese people's bank), payment credit (credit card, loan repayment, insurance payment, etc.), property (car insurance, house insurance, etc.), mutual insurance cost and interest (sharing cost by actual payment of all participating members, and paying a certain management fee to the management platform, since paying the due cost increases the cost of other participating mutual insurance clients on time, the higher the credit score is, the lower the shared cost is, other mutual insurance policy information and information such as payment and claim record, insured property information and insurance record, and audio, video, image, etc., which may prove the related information, into the block link network according to the format of table 1.
Table 2 below shows an example of a data structure stored in a blockchain based on the integrity-based mutual asset insurance management model, i.e., the above formula:
TABLE 2
And step S430, performing mutual insurance management on the property according to the information stored in the block chain network.
In the example embodiment, according to historical data of the integrity-based mutual asset risk management information in the blockchain, the system can automatically find and identify risks possibly faced by the integrity-based mutual asset risk management and give suggestions for relevant improvement, so that the effective popularization of the blockchain technology in the integrity-based mutual asset risk management is strongly promoted.
For example, first, an integrity evaluation mechanism based on credit age can be adopted, once a purchased mutual insurance product generates a claim, the system calculates the corresponding sharing cost according to the credit rating of each person, and updates the integrity score according to the payment completeness and the completion time, for example, the integrity score S ranges from [0,100], and after a claim event is completed, S can be calculated as follows:
secondly, mutual insurance fee dynamic allocation based on credit rating, if the total sum of the insurance cases of a certain mutual insurance product in a payment time node is W, the total number of people purchasing the product is K, the credit rating S is divided into n ratings of { S1, S2.. Sn }, each rating corresponds to the number of people { K1, K2.. Kn }, and the management fee is Q, then the insurance fee to be shared by a user Q who purchases the product with the credit rating Sq in the payment time node is:
wherein Mq is the fee to be paid of the qth property mutual insurance buyer; the fee to be paid is related to the personal credit rating and the total number of people who buy the mutual insurance; w is the expense to be settled of the mutual insurance property to be settled; t is a parameter greater than 100; s1, S2, sq.., sq.., and Sn is a credit score of a buyer of mutual insurance of property, wherein the value of the credit score is [0-100], and the size of the credit score is in direct proportion to the level of the credit grade; n is the level of credit score; k1, K2.. K, kn is the number of mutual insurance purchasers of the property corresponding to each credit score level; q is the overhead charge.
Further, the individual integrity scores are dynamically associated with various risks, and the update of the integrity scores generated by a customer for purchasing a certain mutual risk is synchronized to the management of other mutual risk products purchased by the customer, so that the payment standard of the customer in other mutual risk products is influenced.
Step S440, updating and optimizing system parameters based on the system performance.
In the example embodiment, the timeliness, the effectiveness and the accuracy of the integrity-based mutual asset risk management system are evaluated, and system parameters are continuously adjusted and optimized based on a comprehensive analysis method of dynamic adjustment (higher integrity score and relatively decreased sharing cost) and dynamic association (other mutual risk cost payment conditions) of mutual risk cost of credit investigation (the quicker payment before the final payment deadline is higher, the more recent overdue payment or non-payment at all is lower) so as to effectively promote effective popularization of the block chain technology in the aspect of integrity-based mutual asset risk management.
Embodiments of the apparatus of the present invention are described below with reference to the accompanying drawings.
Fig. 5 schematically shows a block diagram of a system for implementing self-service management of a personal data device in a blockchain network according to an embodiment of the present invention.
Referring to fig. 5, a system for implementing self-service management of data devices in a blockchain network according to an embodiment of the present invention includes: a blockchain network building subsystem 510, a data format definition subsystem 520, a mutual asset risk information storage subsystem 530, a mutual asset risk management subsystem 540, and a system performance evaluation subsystem 550.
The blockchain network building subsystem 510 is responsible for building, updating, and maintaining the blockchain nodes and the blockchain network. For example, a blockchain network may be constructed with insurance company base business as a minimum node and based on the participation of one or more insurance groups/companies.
Data format definition subsystem 520 may store property trade information in accordance with the data structure shown in table 1 above to ensure high efficiency in information storage and information processing. The input of the transaction information can be enterprise or personal property mutual insurance management cases based on integrity, bank credit (inquiring in the Chinese people bank), payment credit (credit card, loan repayment, insurance cost payment, etc.), property (vehicle insurance, house insurance, etc.) mutual insurance cost and rights (sharing cost according to actual claims of all participating members and paying certain management cost to the management platform, because the cost of other participating mutual insurance clients can be increased when the payment is not paid according to the rule, the credit score is higher, the sharing cost is relatively decreased), other mutual insurance policy information and payment and claim settlement records, insured property information and insurance records, etc., which are registered in the system; audio, video, image, etc. related materials that prove the related materials; the output of the transaction information may be: other material deposit links (history of integrity-based mutual insurance management information, etc.), automatic system lookup and identification of risks that integrity-based mutual insurance management may face and give suggestions of relevant improvements, and public keys of information visitors, etc.
The property mutual risk information storage subsystem 530 may be used to store information related to the property mutual risk. Specifically, the enterprise or individual registered in the system may upload the related credit-based mutual insurance management case of the property, bank credit (capable of inquiring in the chinese people bank), payment credit (credit card, loan repayment, insurance fee payment, etc.), mutual insurance fee and right of the property (car insurance, house insurance, etc.), mutual insurance fee and right of interest (sharing the fee according to the actual claims of all participating members, and paying a certain management fee to the management platform, because paying the fees to be shared may increase the fees of other participating mutual insurance clients if not paying according to the rule, and the sharing fee is relatively decreased if the credit score is higher, other mutual insurance policy information and information such as payment and claim record, information of the insured property and insurance record, and information such as audio, video, image, etc. which may prove the related materials, to the blockchain network according to the format of table 1.
The mutual asset risk management subsystem 540 may be configured to manage whether a mutual asset risk buyer pays for claim in time according to information stored in the blockchain network.
In the example embodiment, according to historical data of the integrity-based mutual asset risk management information in the blockchain, the system can automatically find and identify risks which the integrity-based mutual asset risk management may face and give suggestions of related improvements, so that effective popularization of the blockchain technology in the aspect of integrity-based mutual asset risk management is strongly promoted.
The system performance evaluation subsystem 550 can evaluate timeliness, effectiveness and accuracy of the integrity-based mutual asset risk management system, and continuously adjusts and optimizes system parameters based on a comprehensive analysis method of dynamic adjustment (higher integrity score and relatively decreased apportionment cost) and dynamic association (payment condition of other mutual risks) of mutual risk cost (faster payment is carried out and higher integrity score is carried out before the final payment deadline, and the current overdue payment or non-payment behavior is carried out and lower integrity score is carried out) of credit timeliness (higher integrity score and relatively decreased apportionment cost are carried out before the final payment deadline), so that effective popularization of the block chain technology in the integrity-based mutual asset risk management aspect is effectively promoted.
FIG. 6 schematically illustrates a block diagram of a mutual asset risk management arrangement, in accordance with an embodiment of the present invention. Referring to fig. 6, the mutual asset risk management apparatus may include a first obtaining module 610, a first calculating module 620, a second obtaining module 630, and an updating module 640. Wherein:
the first obtaining module 610 can be used to obtain the credit rating of the mutual insurance property to be claimed and the buyer of the mutual insurance of the property.
The first calculation module 620 can be used for calculating the fee to be settled of the property to be settled and the buyer of the property to be settled and calculating the fee to be paid according to the fee to be settled and the credit rating.
The second obtaining module 630 may be configured to obtain an actual payment time of the mutual insurance buyer for the to-be-paid fee.
The updating module 640 may be configured to update the credit rating based on the actual payment time.
In one embodiment of the invention, the mutual insurance property to be settled, the credit rating of the buyer of mutual insurance for property, and the actual time of payment of the cost to be paid by the buyer of mutual insurance for property are stored in a blockchain network.
In one embodiment of the present invention, the mutual asset insurance management apparatus further includes:
and the storage module is used for storing the fee to be settled, the fee to be paid and the updated credit rating to the block chain network.
In one embodiment of the invention, the update module 640 may be configured to: acquiring preset payment time of the expense to be paid stored in a block chain network; calculating the time difference between the preset payment time and the actual payment time; and updating the credit level according to the time difference.
In one embodiment of the invention, the update module 640 may be further configured to: judging whether the time difference is larger than or equal to zero or not; if the time difference is greater than or equal to zero, upgrading the credit level; and if the time difference is smaller than zero, performing a downgrade operation on the credit level.
In one embodiment of the invention, the first calculation module 620 may be configured to:
wherein Mq is the payment to be paid by the qth property mutual insurance buyer; w is the expense to be settled of the mutual insurance property to be settled; t is a parameter greater than 100; s1, S2, sq.., sq.., and Sn is a credit score of a buyer of mutual insurance of property, wherein the value of the credit score is [0-100], and the size of the credit score is in direct proportion to the level of the credit grade; n is the level of credit score; k1, K2.. K, kn is the number of mutual insurance purchasers of the property corresponding to each credit score level; q is the overhead charge.
In one embodiment of the present invention, the mutual asset insurance management apparatus further includes:
the judging module can be used for judging whether the updated credit level is lower than a preset credit level;
the prompt information generating module may be configured to generate the prompt information according to the updated credit level if the updated credit level is lower than the preset credit level.
Optionally, a hint information storage module may be further included, which may be configured to store the hint information to a blockchain network or other storage medium.
In some embodiments of the present invention, based on the foregoing solution, the mutual insurance management apparatus for property further includes:
and the second grade calculation module can be used for calculating the credit grade of the property mutual insurance buyer.
Optionally, a credit rating storage module may be further included for storing the credit rating of the buyer of the mutual insurance of the property to a blockchain network or other storage medium.
In one embodiment of the invention, the first calculation module 620 may be configured to:
acquiring user information of the property mutual insurance buyers stored in the block chain network; wherein the user information comprises one or more of bank credit investigation, payment credit investigation and property mutual insurance cost;
calculating the credit score of the property mutual insurance buyer according to the bank credit investigation, the payment credit investigation and the property mutual insurance cost;
and calculating the credit rating of the buyer of the mutual insurance of the property according to the credit score.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with the electronic device implementing an embodiment of the present invention. The computer system 700 of the electronic device shown in fig. 7 is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for system operation are also stored. The CPU 701, ROM 702, and RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that the computer program read out therefrom is mounted in the storage section 708 as necessary.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present application when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present invention, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to implement the mutual asset risk management method as described in the above embodiments.
For example, the electronic device may implement the following as shown in fig. 1: step S110, acquiring the property to be claimed and the credit level of the buyer of the property mutual insurance; step S120, calculating the expense to be settled of the property to be settled and mutually insurance, and calculating the expense to be paid of the buyer to mutually insurance of the property according to the expense to be settled and the credit rating; step S130, acquiring the actual payment time of the property mutual insurance buyer to the fee to be paid; and step S140, updating the credit rating according to the actual payment time.
As another example, the electronic device may implement the steps shown in fig. 2 to 4.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the invention. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiment of the present invention.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (7)
1. A mutual insurance management method for properties is characterized by comprising the following steps:
acquiring user information of a buyer of mutual insurance of property; wherein the user information comprises one or more of bank credit investigation, payment credit investigation and property mutual insurance cost; calculating the credit score of the property mutual insurance buyer according to the bank credit investigation, the payment credit investigation and the property mutual insurance cost; calculating the credit rating of the buyer of the mutual insurance of the property according to the credit score;
acquiring the property to be claimed and the credit rating of the buyer of the property mutual insurance from the block chain network; wherein the mutual asset insurance purchasers comprise businesses or individuals registered in the blockchain network system;
calculating the expense to be claimed of the mutual insurance buyer of the property according to the expense to be claimed and the credit rating;
acquiring the actual payment time of the property mutual insurance buyer for the to-be-paid fee from the blockchain network;
updating the credit rating according to the actual payment time;
judging whether the updated credit level is lower than a preset credit level;
if the updated credit level is lower than the preset credit level, generating prompt information according to the updated credit level; storing the prompt information to a block chain network;
wherein calculating the charge to be paid of the buyer of mutual insurance of the property according to the charge to be settled and the credit rating comprises:
wherein Mq is the payment to be paid by the qth property mutual insurance buyer;
w is the expense to be settled of the mutual insurance property to be settled; t is a parameter greater than 100;
s1, S2, sq, sn is a credit score of a property mutual risk buyer, wherein the value of the credit score is [0-100], and the size of the credit score is in direct proportion to the level of the credit grade;
n is the level of credit score; k1, K2.. K, kn is the number of mutual insurance purchasers of the property corresponding to each credit score level; q is the administrative expense; the higher the credit rating, the less the fee to be paid.
2. The mutual asset risk management method of claim 1, further comprising:
and storing the fee to be settled, the fee to be paid and the updated credit rating to the blockchain network.
3. The property risk management method of claim 1, wherein updating the credit rating based on the payment time comprises:
acquiring preset payment time of the expense to be paid;
calculating the time difference between the preset payment time and the actual payment time;
and updating the credit level according to the time difference.
4. The mutual asset risk management method of claim 3, wherein updating said credit rating based on a magnitude of said time difference comprises:
judging whether the time difference is greater than or equal to zero or not;
if the time difference is greater than or equal to zero, upgrading the credit level;
and if the time difference is smaller than zero, performing a downgrade operation on the credit level.
5. An apparatus for mutual asset risk management, comprising:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring the property to be settled and the credit level of a buyer of the property mutual insurance from a blockchain network; wherein the mutual insurance purchasers of property comprise businesses or individuals registered in the blockchain network system;
the first calculation module is used for calculating the expense to be claimed of the mutual insurance buyer of the property according to the insurance amount of the mutual insurance property to be claimed and the value of the property, and calculating the expense to be paid of the mutual insurance buyer of the property according to the expense to be claimed and the credit rating;
a second obtaining module, configured to obtain, from the blockchain network, actual payment time of the property mutual risk buyer for the expense to be paid;
the updating module is used for updating the credit grade according to the actual payment time;
the judging module is used for judging whether the updated credit level is lower than a preset credit level;
the prompt information generation module is used for generating prompt information according to the updated credit level if the updated credit level is lower than the preset credit level;
the prompt information storage module is used for storing the prompt information to a block chain network;
wherein the first computing module is further configured to:
wherein Mq is the fee to be paid of the qth property mutual insurance buyer;
w is the expense to be settled of the mutual insurance property to be settled; t is a parameter greater than 100;
s1, S2, sq.., sq.., and Sn is a credit score of a buyer of mutual insurance of property, wherein the value of the credit score is [0-100], and the size of the credit score is in direct proportion to the level of the credit grade;
n is the level of credit score; k1, K2.. K, kn is the number of mutual insurance purchasers of the property corresponding to each credit score level; q is the administrative expense;
the first computing module is further used for acquiring user information of the property mutual insurance buyers; wherein the user information comprises one or more of bank credit investigation, payment credit investigation and property mutual insurance cost; calculating the credit score of the property mutual insurance buyer according to the bank credit investigation, the payment credit investigation and the property mutual insurance cost; and calculating the credit rating of the property mutual insurance buyer according to the credit score.
6. A computer-readable medium, on which a computer program is stored, wherein the program, when executed by a processor, implements the mutual asset risk management method according to any one of claims 1-4.
7. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the mutual asset risk management method of any of claims 1-4.
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