CN110889772A

CN110889772A - Policy processing method and device, computer equipment and storage medium

Info

Publication number: CN110889772A
Application number: CN201911207225.3A
Authority: CN
Inventors: 李�杰; 汪俊明
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2018-11-21
Filing date: 2018-11-21
Publication date: 2020-03-17
Anticipated expiration: 2038-11-21
Also published as: CN109523413A; CN110889772B; CN109523413B

Abstract

The invention discloses a policy processing method and device, computer equipment and a storage medium, and belongs to the technical field of block chains. The method comprises the following steps: according to the vehicle in the policy processing instruction, sending a claim payment request to a alliance chain system corresponding to the vehicle; acquiring accident information of the vehicle, cost data of vehicle maintenance and policy information; generating a first block based on the request for reimbursement, the accident information, the cost data for vehicle maintenance, and the policy information; and when the first block is identified in the alliance chain system, triggering an intelligent contract to finish claim settlement. The invention sends the policy processing request to the alliance chain system, and the alliance chain system automatically carries out policy processing without manual participation, thereby realizing the automation of the policy processing and improving the efficiency and the safety of the policy processing.

Description

Policy processing method and device, computer equipment and storage medium

The application is a divisional application with application date of 2018, 11 and 21 months and application number of 201811390566.4, and title of policy processing method, device, computer device and storage medium

Technical Field

The present invention relates to the field of block chain technologies, and in particular, to a policy processing method and apparatus, a computer device, and a storage medium.

Background

With the development of the blockchain technology, the blockchain technology is applied to more and more fields, for example, the fields of finance, information security, computing resource sharing, entertainment, social interaction, supply chain management or medical treatment and the like are widely applied. Policy processing is also a type of processing in the financial field.

At present, the policy processing method is usually to sign an insurance contract with an insurance company under a subscriber line and generate a policy, when a user needs to settle a claim, the user can carry notes required for settling the claim or certificates obtained from various related organizations to apply for the claim from the insurance company, and the insurance company needs to perform manual review on the notes, certificates, insurance policies and the like provided by the user, and the claim is settled for the user after the review. For example, in the case of car insurance, a user needs to sign a car insurance contract with an insurance company to generate a policy, and when a traffic accident occurs to the user, the user can obtain the situation of the accident in the traffic department and obtain the evidence of the cost spent on repairing the car in the car repairing company, so as to hold the ticket or prove that the user goes to the insurance company to settle the claim. The insurance company needs to manually review the bills, certificates and insurance policies provided by the user, determine the amount of the claim, and after the review is passed, transfer the money to the user through a bank to complete the claim.

The data are completely collected under the subscriber line in the policy processing process, the collecting process is complicated and consumes a long time, and the staff of the insurance company manually checks various data provided by the subscriber, generally, the checking period is long, the efficiency of the policy processing process is low, the policy processing process is completely operated under the line, the data are manually collected and checked, and the security of the policy processing process is very low.

Disclosure of Invention

The embodiment of the invention provides a policy processing method and device, computer equipment and a storage medium, which can solve the problems of low efficiency and low safety in the related technology. The technical scheme is as follows:

in one aspect, a policy processing method is provided, which is applied to a user node device in a federation chain system, and the method includes:

according to the vehicle in the policy processing instruction, sending a claim payment request to a alliance chain system corresponding to the vehicle, wherein the claim payment request is used for indicating that the numerical value is transferred based on the cost data of vehicle maintenance;

acquiring accident information of the vehicle, cost data of vehicle maintenance and policy information;

generating a first block based on the request for reimbursement, the accident information, the cost data for vehicle maintenance, and the policy information;

and when the first block is identified in the alliance chain system, triggering an intelligent contract to finish claim settlement.

In one aspect, a policy processing method is provided, which is applied to a node device of a car repair company in a alliance chain system, and the method includes:

receiving a claim request sent by user node equipment, wherein the claim request is used for indicating that the numerical value is transferred based on cost data of vehicle maintenance;

sending cost data for the vehicle repair to the alliance chain system;

acquiring accident information and policy information of the vehicle;

generating a first block based on the request for reimbursement, the cost data for vehicle maintenance, the accident information, and the policy information;

In one aspect, a policy processing apparatus is provided, which is applied to a user node device in a federation chain system, and the apparatus includes:

the system comprises a sending module, a receiving module and a processing module, wherein the sending module is used for sending a claim request to a alliance chain system corresponding to a vehicle according to the vehicle in a policy processing instruction, and the claim request is used for indicating that the numerical value is transferred based on cost data of vehicle maintenance;

the acquisition module is used for acquiring accident information of the vehicle, cost data of vehicle maintenance and policy information;

a generation module for generating a first block based on the request for reimbursement, the accident information, the cost data for vehicle maintenance, and the policy information;

and the adding module is used for triggering an intelligent contract to finish claim settlement when the first block is identified and passed in the alliance chain system.

In one aspect, a policy processing apparatus is provided, which is applied to a node device of a car repair company in a federation chain system, and the apparatus includes:

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a claim request sent by user node equipment, and the claim request is used for indicating that the numerical value transfer is carried out on the basis of cost data of vehicle maintenance;

a sending module, configured to send the cost data of vehicle maintenance to the alliance chain system;

the acquisition module is used for acquiring accident information and policy information of the vehicle;

a generation module for generating a first block based on the request for reimbursement, the cost data for vehicle maintenance, the accident information, and the policy information;

In one aspect, a computer device is provided and includes a processor and a memory, where at least one instruction is stored in the memory and loaded and executed by the processor to implement the operations performed by the policy processing method.

In one aspect, a computer-readable storage medium having at least one instruction stored therein is provided, which is loaded and executed by a processor to implement the operations performed by the policy processing method.

According to the embodiment of the invention, the claim payment request is sent to the alliance chain system, the alliance chain system automatically acquires a plurality of items of information of the vehicle, the claim payment request of the vehicle is checked based on the acquired plurality of items of information, and the claim payment is directly settled after the check is successful, manual offline information collection and data submission to relevant organizations are not needed, and manual offline check is also not needed, so that the automation of policy insurance processing is realized, the policy insurance processing efficiency is improved, the information in the alliance chain system has the characteristics of distributed storage and non-falsification, and the security of policy insurance processing can be effectively improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic structural diagram of an insurance system according to an embodiment of the present invention;

FIG. 2 is a flow chart of a policy processing method according to an embodiment of the present invention;

FIG. 3 is a flow chart of a policy processing method according to an embodiment of the present invention;

FIG. 4 is a flowchart of a policy processing method according to an embodiment of the present invention;

FIG. 5 is a flowchart of a policy processing method according to an embodiment of the present invention;

FIG. 6 is a schematic structural diagram of an insurance policy processing apparatus according to an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of an insurance policy processing apparatus according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

fig. 9 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In the following, some terms appearing in the following detailed description are introduced:

intelligent contract: the contract program automatically executed according to specific conditions is an important way for a user to interact with the block chain and realize business logic by utilizing the block chain. For example, each organization may store and share information through an intelligent contract on the block chain, and may trigger the intelligent contract to execute a corresponding step when a certain condition is reached based on a received request, acquired information, or pre-stored information, so as to implement a service processing function corresponding to the request.

And (4) keeping a policy: all known as insurance policies, which are written proofs that an insurer has entered into an insurance contract with an applicant. The insurer is an insurer who is an insurance company who enters into an insurance contract with an insured person and assumes compensation or pays insurance responsibility. An applicant refers to a person who enters into an insurance contract with an insurer and pays out an insurance premium obligation under the insurance contract.

The insurance target is as follows: the insurance object, insurance item or insurance guarantee object, which is the object for which the insurance contract applicant is required to pay the premium, is the object for which the insurance contract applicant is responsible for making the insurance contract for the loss of the insurance target or paying the insurance premium. For example, in personal insurance, the insurance target may be a person's life or a retired elderly person, in particular, in medical insurance, the insurance target may be a person's life or body, in property insurance, the insurance target may be an applicant's property and property-related benefits, in particular, in vehicle insurance, the insurance target may be a vehicle.

Fig. 1 is a schematic structural diagram of an insurance system according to an embodiment of the present invention. The insurance system comprises a plurality of computer devices, and the computer devices can be servers or terminals.

The plurality of computer devices may be a plurality of node devices in a blockchain system, and any one node device in the blockchain system may perform one or more steps of the policy processing method provided by the embodiment of the present invention. The plurality of computer devices may be a plurality of node devices of the same organization, or may belong to different organizations. For example, the plurality of computer devices may all belong to an insurance company, and the plurality of computer devices may belong to different departments of the insurance company, or one or more of the computer devices may be user devices, one or more of the computer devices may belong to a hospital or a car repair company, and one or more of the computer devices may belong to the insurance company.

Of course, the plurality of computer devices may belong to the same organization or may be determined according to the insurance type of the policy served by the insurance system, that is, different insurance marks may correspond to different insurance types, and the policy of different insurance types may be served by different insurance systems, for example, when the insurance type is medical insurance, a certain computer device in the insurance system may belong to a hospital, and when the insurance type is vehicle insurance, a certain computer device in the insurance system may belong to a vehicle repairing company.

Of course, in order to perform services such as security authentication and rights management, a CA center (Certificate Authority) may be configured in the blockchain system, and the CA center may be connected to the blockchain system through an ethernet (Internet) or a local area network and used for storing keys of each organization, and each computer device in the blockchain system may obtain the key of each organization from the CA center to perform processes such as encryption and decryption of data.

Fig. 2 is a flowchart of an policy processing method provided in an embodiment of the present invention, where the policy processing method is applied to a first node device, and referring to fig. 2, the method may include the following steps:

201. and the first node equipment sends an insurance policy processing request to a target block chain system corresponding to the insurance policy according to the insurance policy in the insurance policy processing instruction.

Wherein the policy handling request is for instructing a value transfer based on the loss condition of the insurance policy. The policy information of the insurance policy in the policy processing request may be included in the target blockchain system, when the insurance policy is damaged, the user may perform policy processing operation on the first node device, and the first node device may execute the step 201 when receiving a policy processing instruction triggered by the policy processing operation, and apply for compensation or payment based on the condition of the damage of the insurance policy through the target blockchain system.

It should be noted that the target blockchain system refers to the corresponding blockchain system of the insurance target. When the insurance policy is different, the corresponding blockchain system may be different. That is, different insurance target may correspond to different blockchain systems. In the embodiment of the present invention, the target blockchain system may be a federation chain, and different insurance targets may all correspond to one federation chain. For example, in vehicle insurance, where the insurance target is a vehicle, the vehicle insurance may correspond to a federation chain that may include node devices such as user devices, servers of insurance companies, servers of banks, servers of car repair companies, servers of police offices, and CA centers. In medical insurance, the insurance target is human life or body, and the medical insurance may correspond to a federation chain, and node devices such as user equipment, a server of an insurance company, a server of a bank, a hospital and a CA center may be included in the federation chain. Thus, in this step 201, when acquiring the policy processing instruction, the first node device may determine a corresponding target blockchain system based on the insurance policy in the policy processing instruction, so as to send a policy processing request to the target blockchain system. It is to be understood that the first node device may be any one node device in the target blockchain system, and the first node device may be configured with a plurality of target blockchain systems.

The target blockchain system may include a plurality of node devices, the first node device may send a policy processing request to any node device in the target blockchain system, and when receiving the policy processing request, the any node device may send the policy processing request to other node devices in the target blockchain system, and so on, so that the plurality of node devices in the target blockchain system may all receive the policy processing request, and may process the policy processing request. Of course, the first node device may also send a policy processing request to a plurality of node devices in the target blockchain system, so that the plurality of node devices execute the forwarding step of the policy processing request, or send the policy processing request to all node devices except the first node device in the target blockchain system.

For example, taking the insurance target in the policy processing request as a vehicle as an example, the target blockchain system may include a user device, a server of an insurance company, a server of a car repair company, a notary CA, a server of a police station, and a server of a bank. The user device may send an insurance policy handler request to the server of the insurance company, which may forward the insurance policy handling request to other node devices in the target blockchain system, so that each node device receives the insurance policy handling request.

In one possible implementation, the policy processing request may carry a corresponding policy identifier of the insurance policy, where the policy identifier is used to uniquely identify the policy of the insurance policy. For example, the policy identification may be the serial number of the policy, or the identification information of the insurance policy, for example, if the insurance policy is a vehicle, the identification information of the insurance policy may be the license plate number. Of course, the insurance policy is not the user himself, but the property or other belongings of the user, and the policy identification may also be identification information of the owner of the insurance policy, for example, the identification number of the user. The above description is merely exemplary, and the embodiment of the present invention does not limit the policy identifier.

Taking vehicle insurance as an example, a user applies insurance to his or her vehicle, purchases a share of vehicle insurance for him or her, and generates a policy, which is stored on the blockchain of the target blockchain system. When the user drives the vehicle to have an accident and the vehicle is damaged, the user can send an insurance policy processing request to the target block chain based on the insurance policy of the vehicle so as to apply for paying and realize vehicle insurance claim settlement. The user may initiate a policy processing request on his own user equipment, which is the first node device. Specifically, the user may query the policy by any identification information of the policy to initiate a policy processing request based on the policy. For example, the user may enter his or her name, identification number, or license plate number of the vehicle, etc. to query the associated policy, policy information, or identification of the policy to initiate the policy processing request. The information (name, identification card or license plate number, etc.) may be associated with information of the vehicle or associated with a warranty of the vehicle. Of course, the user may also initiate a policy handling request based on the input information, which is not limited in the embodiment of the present invention.

202. The first node equipment acquires accident information, loss information and policy information of the insurance policy.

After step 201, when the target blockchain system receives the policy handling request sent by the first node device, the information related to the policy handling request may be acquired, so as to handle the policy handling request based on the acquired information. Each node device in the target blockchain system may execute the process of acquiring information and processing a request, and the process executed by only the first node device is described in detail herein, and the other node devices perform the same process, which is not described herein.

The information associated with the policy handling request may include accident information, loss information, and policy information for the insurance policy. Wherein, for the accident information, the accident information can be used for embodying the specific situation of the event that the insurance target is lost. For example, for vehicle insurance, the accident information may be the location and time of the traffic accident that the vehicle has occurred, or the responsibility information of the vehicle in the current traffic accident, and may also include recorded information of the entire process of the vehicle that has occurred, and the specific content of the accident information is not limited in the embodiments of the present invention.

In a possible implementation manner, the accident information may be acquired by a sensor, and the process of the first node device acquiring the accident information of the insurance target may be: the first node device receives accident information of the insurance target collected by a sensor, wherein the sensor comprises a vehicle data recorder or a monitoring device. The monitoring device may be a camera on a road, or a camera or other information acquisition devices installed in other mechanisms, and the sensor may send accident information to the target block chain system after acquiring the accident information, so that the first node device receives the accident information acquired by the sensor, or the sensor transmits the acquired accident information to a server of a related mechanism, so that the server sends the accident information to the target block chain system.

The loss information may be loss of the insurance policy, and for example, the loss information of the vehicle may be cost for repairing the vehicle at a vehicle repairing company after the vehicle is lost, or may be damage assessment information of the vehicle. For example, in medical insurance, the loss information may be the cost of a person to visit a hospital. Thus, the process of the first node device obtaining the loss information of the insurance target may be: and the first node equipment receives the loss information of the insurance target sent by the second node equipment, wherein the second node equipment is the node equipment used for maintaining the insurance target in the target block chain system.

For policy information, the policy information may be obtained by the first node device from the blockchain of the target blockchain system. Specifically, the first node device may obtain policy information of the insurance target from the blockchain of the target blockchain system according to the insurance target. In a possible implementation manner, a correspondence between an insurance policy identifier of the insurance policy information and the insurance policy may also be stored in each node device (including the first node device) of the target blockchain system, and the node device may obtain the corresponding insurance policy identifier of the insurance policy and obtain the corresponding insurance policy information based on the insurance policy identifier. In another possible implementation manner, when the first node device sends the policy processing request, the policy processing request may carry the policy identifier of the insurance policy, and each node device in the target block chain system may obtain policy information corresponding to the policy identifier, that is, policy information of the insurance policy, according to the policy identifier.

Specifically, the policy information of the insurance policy may be stored in a block on the block chain, and when the first node device acquires the policy information, the policy information may be acquired based on the hash value of the block in which the policy information is located. The hash value may be stored in the target blockchain system corresponding to the insurance policy or the policy identifier.

In one possible implementation, the policy information on the blockchain may also include a variety of sources. The first source is: the policy information may be obtained by the target blockchain system from a server of the insurance company in advance, and stored in the blockchain of the target blockchain system. In the first source, when the insurance company generates policy information, the insurance company can send the generated policy information to the target blockchain system, and the target blockchain system stores the policy information on the blockchain, so that the policy information can be used for policy processing subsequently. The second source is: the policy information may be generated by the target blockchain system based on the received application request and stored on a blockchain with the target blockchain system. In the second source, the target blockchain system may further provide an application service, and when a user wants to apply for a policy generation process, the user may refer to the following related contents in step 205, which will not be described herein before, and send an application request to the target blockchain system based on the first node device.

203. The first node device generates a first block based on the policy processing request, the accident information, the loss information, and the policy information.

The first node device can generate a first block by acquiring the information related to the policy-preserving processing request, and the target block chain system identifies the first block. In the process, the first node device acquires a request of a user, acquires information required when the request is processed, and needs to check the request and the information, and when the check is passed, the service function corresponding to the request can be executed.

Taking the car insurance claim as an example, the user sends a claim request to the target blockchain system through the first node device, and the target blockchain system can acquire accident information of the vehicle of the user, cost for vehicle maintenance and policy information of the car insurance according to the claim request, so that the information can be checked and verified, and if the information is correct and the claim can be settled, the step of settling the claim can be executed subsequently.

The first block may include the content of the policy handling request, accident information, loss information and policy information. Of course, after the first node device generates the first block, the first block may be broadcasted to other node devices, so that the target blockchain system may recognize the first block. Of course, in another possible implementation manner, one or more node devices in the target blockchain system may generate the first block and broadcast the first block to other node devices for consensus, and the process may not be limited based on the embodiment of the present invention.

In one possible implementation manner, the process of the first node device generating the first block may be: the last block in the current blockchain is called the previous block, i.e. the previous block is the block with the highest block height in the current blockchain, and the block being generated by the first node device is called the next block (i.e. the first block). The first node device may obtain all information of the previous block from the block chain, and may generate a block header feature value of the previous block based on all information of the previous block, and perform feature value calculation on information of a contract to be stored in a next block, the policy processing request, the accident information, the loss information, and the policy information to obtain a block body feature value of the next block, and further, the first node device may store the block header feature value of the previous block and the block body feature value of the next block (which may further include a version number, a difficulty value, a time stamp, and the like) to a block header of the next block, and store the information of the contract, the policy processing request, the accident information, the loss information, and the policy information to a block body of the next block, thereby generating the next block. Thus, the previous block and the next block are related by the block head characteristic value of the previous block, and the purpose of connecting blocks in series in a block chain can be realized. Of course, the generation process of the first block may refer to the generation process of the next block, which is only an example of a generated block, and the generation process of the first block may also adopt other implementation manners.

When the target blockchain system identifies the first block, it can determine whether the information of the first block is accurate, that is, the information in the first block can be verified. For example, the feature value generated in the first block may be verified, the accuracy of the information stored this time may be verified, the information stored this time and the policy processing condition in the policy information may be verified, and whether the policy processing condition is satisfied or not may be determined. Of course, the identity information of the sender of the policy processing request, etc. may also be verified. In a possible implementation manner, after each node device verifies the first block, the node device may broadcast a verification result to other node devices, and when the verification result of the node device in the target block chain system that is greater than the preset ratio passes, the target block chain system may determine that the first block consensus passes, and of course, a specific implementation process of the broadcast verification result and the preset ratio may be preset by a related technician or may be adjusted by the related technician.

It should be noted that the above-mentioned consensus process is only an example of the block consensus, and the consensus process may also be performed by the leader node device or the mine excavation node device in the target block chain system to perform block generation and broadcast, and the manner of determining whether the block consensus passes may also be different from the setting of the preset ratio. The consensus process may be implemented based on a consensus policy, for example, the consensus policy may be an endorsement policy, and the endorsement policy may be used to indicate a requirement that the endorsement process in the target blockchain system needs to meet. For example, the endorsement policy may indicate that a plurality of endorsement nodes that need endorsement form an endorsement node set, and the endorsement process needs a joint signature of the endorsement node set.

204. When the first block passes through the target blockchain system, the first node equipment adds the first block to a blockchain of the target blockchain system.

Other node devices in the target blockchain system may also add the first block to the blockchain of the target blockchain system when the first block passes in common in the target blockchain system. Therefore, when the consensus passes, each node device in the target block chain system stores the relevant information of the policy processing, so that the distributed storage of the relevant information of the policy processing is realized, the information stored by each node device is consistent, and the information tampering and suspicious fraud behaviors can be effectively prevented.

205. The first node device receives a policy processing success message indicating that the third node device in the target blockchain system has successfully performed a value transfer based on the policy processing request.

When the first block passes through the target blockchain system, the third node device in the target blockchain system can perform value transfer based on the policy processing request and return a value transfer result to each node device in the target blockchain system. The third node device may invoke an intelligent contract and perform value transfer based on the intelligent contract and the content of the first block. Wherein, the value transferring process can be specifically as follows: and the third node equipment transfers the value to be transferred from the transfer-out account to the transfer-in account at the value transfer time.

For example, in a vehicle insurance scenario, when the block consensus generated by the submitted policy processing request passes, if the vehicle insurance agreement claims the claim amount within 3 days, the server of the bank may perform the step of transferring the claim amount of the vehicle from the account of the insurance company to the user account of the vehicle owner within 3 days.

It should be noted that the account for transferring the value, the value to be transferred, and the time for transferring the value may all be determined when the first block is generated, for example, the account may be determined based on the policy processing request, the accident information, the loss information, and the policy information, and the specific determination rule may be in the policy information, or may be stored in the block chain in an intelligent contract manner after the target block chain system is established. For example, the value to be transferred may be stored in the loss information. Of course, the information may also be determined based on the intelligent contract and the policy information when the first node device sends the policy handling request, and is carried in the policy handling request, so that the first block is verified when being identified in common, which is not limited in the embodiment of the present invention.

In one possible implementation, the consensus result may be used as a trigger for the smart contract. The first block may be identified as Yes when the first block passes the common identification in the target blockchain system, and may be identified as No when the first block does not pass the common identification. Specifically, if the result of the consensus is yes, the intelligent contract can be automatically triggered, and the value transfer is performed based on the policy processing request; if the consensus result is negative, the intelligent contract cannot be triggered, and the processing result of the policy processing request is failure.

In a specific possible embodiment, an account table may be further stored on the blockchain of the target blockchain system, and information of at least one account is included in the account table. When the first block passes through the target block chain system, the first node device may further update the value of a target account in an account table on the block chain, where the target account is a corresponding account of the insurance policy. The target account is also the transfer-in account, and of course, the target account may also include the transfer-out account. Of course, an access right may also be set for the information of the account in the account table, for example, the first node device may access the information of a part of the account in the account table, but may not access the information of another part of the account, and the other node devices are the same, and the embodiment of the present invention does not limit this.

Through the above steps 201 to 205, the first node device only needs to send the policy making processing request to the target block chain system, and the target block chain system can automatically implement the corresponding service function according to the policy making processing request without collecting data under the subscriber line and without manual review, thereby effectively improving the policy making processing efficiency and security. The following explains the specific flow of the policy processing by taking the vehicle insurance claim settlement process as an example through the content shown in fig. 3:

referring to fig. 3, the target blockchain system is a alliance chain system, which may include a plurality of node devices belonging to a police station, an insurance company, a car repair company, a notarization CA and a user, respectively. The data required for claims may be provided to the federation chain system through a data source, which may be various sensors, such as a tachograph or monitoring device. The sensor can upload the accident number to the alliance chain system in real time, for example, the sensor can send the acquired accident data to the node device of the public security bureau, and the node device of the public security bureau shares the accident data with other node devices of the alliance chain system. The accident data is also accident information of the insurance target. The vehicle repair company may provide vehicle repair cost data, i.e., loss information for the insurance indicia, to the alliance chain system. Each node device (each participant of the vehicle insurance) in the alliance chain system can receive the accident data and the loss information, and the data obtained by each node device is consistent. The respective node devices may then agree upon the received data, for example, whether the respective node devices agree on a cost of repair. The result of the consensus is used as a trigger condition of the intelligent contract, the intelligent contract comprises terms for automatic claim settlement, namely service specification, and when the consensus passes, the intelligent contract can be automatically triggered to complete the claim settlement.

Certainly, information among all node devices in the target blockchain system is shared in time, so that claim settlement disputes can be effectively avoided, and the situations of repeated insurance or one or more claims can be effectively avoided. Through the target block chain system, automatic claim settlement is realized, manual operation can be avoided, labor cost is reduced, and meanwhile error probability can be reduced.

The above steps 201 to 205 only show the case where the first block passes in the target blockchain system, and after the above step 203, the first block may also fail in the target blockchain system. In this case, the first node device may receive a policy handling failure message sent by the target blockchain system when the first block does not pass the consensus in the target blockchain system. Of course, other node devices in the target blockchain system may also receive the policy handling failure message, or may not need to receive the policy handling failure message, which is not limited in the embodiment of the present invention.

In one possible implementation, each node device in the target blockchain system may further store the status of the policy processing request based on the processing result of the policy processing request. When the processing result of the policy processing request is successful, the respective node devices may update the status of the policy processing request to be successful; when the processing result of the policy processing request is failure, the respective node devices may update the status of the policy processing request to failure.

In one possible embodiment, after the step 203, the reason that the first macroblock does not pass the consensus in the target blockchain system may be that the information obtained during the consensus is insufficient and cannot meet the policy-preserving condition. In this case, the first node device may further receive an under-information message for prompting that more information needs to be submitted for a value transfer based on the policy handling request, the under-information message being sent by the target blockchain system when the first block fails to agree in the target blockchain system.

The following describes a specific flow of the policy processing method by using a specific example, and still taking the insurance type of the policy as the vehicle insurance as an example, as shown in fig. 4, the user performs a claim settlement alarm through the user equipment (i.e. the first node device), that is, corresponding to the above step 201, synchronously acquires information of the federation multi-node side (multiple node devices of the target blockchain system), the step 202 is only shown to be performed by the first node device, and substantially all the federating multi-node parties can perform the step 202, and after the information acquisition is completed, the multi-node party of the federation can determine whether the claim agrees, e.g., the agreement process can be implemented based on an endorsement policy, this process is also the process of the target blockchain system generating the first block based on the acquired information and recognizing the first block in step 203. If the claim is determined to reach the consensus, triggering an intelligent contract to complete the claim, that is, corresponding to the step 204 and the step 205, that is, when the first block passes the consensus in the target blockchain system, adding the first block to the blockchain of the target blockchain system, and automatically performing value transfer to complete the claim. And if the claim settlement does not reach the consensus, the claim settlement is not successful, more data can be submitted to carry out the claim settlement again, and therefore if the sensors upload more data, the multi-node party in the alliance can synchronously acquire information and carry out the consensus again.

It should be noted that the steps executed by the other node devices in the target blockchain system in the policy process are the same as the steps executed by the first node device. For example, for the second node device, the second node device is a node device used for maintaining the insurance target in the target blockchain system. In the policy processing process, the second node device may receive a policy processing request sent by the first node device, where the policy processing request is used to instruct to perform numerical value transfer based on a loss condition of an insurance policy, and the second node device may also send loss information of the insurance policy to the target blockchain system, and obtain accident information and policy information of the insurance policy. After obtaining the information, the second node device may also generate a first block based on the policy processing request, the loss information, the accident information, and the policy information, and perform consensus on the first block by the target blockchain system, and when the first block passes through consensus in the target blockchain system, the second node device may add the first block to a blockchain of the target blockchain system. The above steps are all similar to the above steps 201 to 204, and the embodiment of the present invention is not described herein for a long time.

In a possible implementation manner, the information in the target blockchain system is protected by encryption, in order to further ensure the security and confidentiality of the information of the user, an information obtaining authority may also be set in the target blockchain system, specifically, when the insurance type is the target type, the information of the insurance target may relate to personal privacy, and the information obtaining authority may be set for the information of the insurance target, so that not all devices may obtain the information of the insurance target from the target blockchain system.

Specifically, the setting of the information acquisition permission may be stored in each node device in the target blockchain system, and the following description will be given only by taking the third node device receiving the information acquisition request as an example: when an information acquisition request of any device outside the target blockchain system is received and the insurance type of the target insurance target corresponding to the information acquisition request is the target type, the third node device acquires the information acquisition permission of the any device. After acquiring the information acquisition permission, the third node device may determine whether the device may have the permission to acquire the information of the target insurance policy, and there may be two cases, one being present and the other being absent, where the steps performed by the third node device may be different, specifically as follows:

in the first case: and when determining that any equipment has the authority to acquire the information of the target insurance target according to the information acquisition authority, the third node equipment sends the target information of the target insurance target to any equipment, wherein the target information is the information requested by the information acquisition request. In the second case: and when determining that any equipment does not acquire the authority of the information of the target insurance target according to the information acquisition authority, sending an information acquisition failure message to the any equipment, wherein the information acquisition failure message is used for informing that the any equipment does not acquire the authority of the information of the target insurance target.

The target type may be preset by a related technician, or may be set by a user through the first node device, which is not limited herein in the embodiment of the present invention. For example, the target type may be a medical type, and the medical records are protected by the target blockchain system through encryption, and it is also ensured that the medical records are only shared among health service providers, and other users cannot access the medical records of the user, thereby ensuring privacy and security of the user.

In one possible implementation, before step 201, insurance can also be applied through the target blockchain system, so that when the insurance target is lost, the steps 201 to 205 can be executed to make a claim based on the information applied before. Therefore, not only can the insurance be applied through the target blockchain system, but also the claim can be settled through the target blockchain system, the whole processes of the insurance application and the claim settlement can be realized, the labor cost is reduced, meanwhile, the blockchain can perform distributed storage and permanent record on the data, the data generated in the whole process of processing one insurance policy in the target blockchain system can be completely recorded without manual collection, and suspicious fraud behaviors in an insurance system can be identified through cooperative processing of the insurance policies among all node devices, so that the anti-fraud is facilitated. Specifically, the application process can be realized by the following steps from one step to three steps:

step one, the first node equipment sends an insurance application request to the target block chain system corresponding to the insurance target according to the insurance target in the insurance application instruction, wherein the insurance application request carries insurance policy information of the insurance target.

When a user needs to apply insurance, insurance application operation can be carried out on the first node device, so that the first node device can execute the first step when receiving an insurance application instruction triggered by the insurance application operation. For example, the application operation may be: in the target interface of the first node device, the user can select the corresponding policy template according to the insurance policy, so that the information required for establishing the policy is input according to the prompt information. For example, the user may input own identity information, such as name, gender, age, or identification number, and the user may also input information of the insurance policy, and of course, if the insurance policy is the user himself, the user may input the identity information. If the insurance target is the property of the user, such as a vehicle, a house, etc., the user may also input information of the insurance target, such as vehicle information may include a license plate number, a vehicle age, a vehicle brand or model, etc., and house information may include a house address, property information of the house, or a house area, etc., which are provided as examples only, and the embodiment of the present invention does not limit specific input information. Of course, the policy template may also include other information, such as details of the insurance policy, insurance amount, insurance period, insurance fee, etc. of the applicant and the insurer, rights and obligations of both parties, etc., and may also include some remark conditions, which the user may also input. After the user inputs the information and determines to apply insurance, the first node device may send an insurance application request to the target blockchain system corresponding to the insurance target.

Specifically, the process of sending the request to the target blockchain system is the same as the process of sending the policy processing request, and is not described herein again. Each node device in the target blockchain system may perform the following steps two and three when receiving the application request sent by the first node device, and the process of performing the steps two and three by the first node device is only explained herein.

And step two, the first node equipment generates a second block based on the insurance application request.

The first node device may generate a second block based on the application request, where the second block includes the content of the application request, and specifically, the second block may include policy information carried by the application request. It should be noted that the generation process of the second block is the same as the generation process of the first block in step 203, and is not repeated here.

And step three, when the second block passes through the target block chain system in a commonly-identified mode, the first node equipment adds the second block to a block chain of the target block chain system.

The target blockchain system may perform consensus on the second block, and the consensus process may also be similar to the consensus process provided in step 203.

Therefore, the whole processes of application, claim checking and claim settlement are realized based on the block chain technology, in the process, the establishment and the subsequent processing process of a policy are realized through the target block chain system, and the data of the policy are also stored in the block chain of the target block chain system, so that the digital management, tracking and insurance of the physical assets can be realized through the block chain. The block chain can be referred to as a shared account book of the target block chain system, the data of the claim of the insurance policy and the insurance target are permanently recorded in the shared account book, and all the data are consistent, so that the insurance claim is placed under an unalterable general ledger, which is helpful for eliminating a common fraud source in the insurance industry. In addition, especially for property insurance and accidental injury insurance, the necessary information required by claim settlement is collected without manually inputting a large amount of data and coordinating and cooperating multiple parties, so that the efficiency of the property insurance and the accidental injury insurance can be effectively improved, and the error probability can be effectively reduced.

In a possible implementation manner, in a reinsurance scenario, the first node device may also perform the above steps 201 to 205. The reinsurance refers to the action of insuring other insurers with partial risks and responsibilities covered by the insurers by signing an insurance sub-contract on the basis of the original insurance contract. Different from the above, the node devices in the target blockchain system may be different from the node devices shown in the above, for example, the node devices may at least include a node device of an insurer and a node device of a reinsurer, and the specific policy process is the same as the above steps, which is not described herein again in this embodiment of the present invention. In the reinsurance scene, the information safety of the reinsurance contract in the blockchain system can be ensured, the information quantity is reduced, the payment process between the insurer and the reinsurer is simplified, and the policy processing efficiency is improved.

In the embodiment of the invention, the policy processing request is sent to the target block chain system, the target block chain system automatically acquires a plurality of items of information of the insurance policy, the policy processing request of the insurance policy is audited based on the acquired plurality of items of information, and the policy processing is directly performed after the audit is successful, manual offline information collection and data submission by a relevant mechanism are not needed, and manual offline audit is also not needed, so that the automation of policy processing is realized, the efficiency of policy processing is improved, the information in the target block chain system has the characteristics of distributed storage and non-falsification, and the security of policy processing can be effectively improved.

All the above-mentioned optional technical solutions can be combined arbitrarily to form the optional embodiments of the present invention, and are not described herein again.

The above-mentioned embodiment shown in fig. 2 describes the flow of the policy processing method in detail, and the following describes again the scenario of the whole flow of implementing the application and policy processing by the target blockchain system by the embodiment shown in fig. 5. Fig. 5 is a flowchart of an policy processing method according to an embodiment of the present invention, where the policy processing method is applied to a first node device, and referring to fig. 5, the policy processing method may include the following steps:

501. and the first node equipment sends an insurance application request to the target block chain system corresponding to the insurance target according to the insurance target in the insurance application instruction, wherein the insurance application request carries insurance policy information of the insurance target.

502. The first node device generates a second block based on the application request.

503. When the second block passes through the target blockchain system, the first node equipment adds the second block to a blockchain of the target blockchain system.

The steps 501 to 503 are an insurance application process, the user is an insurance application of the insurance target, and the policy information of the insurance target is stored in the target block chain, and the steps 501 to 503 are the same as the steps one to three of the insurance application process in the step 205, which is not described herein again in the embodiments of the present invention.

504. When receiving a policy processing instruction for the insurance policy, the first node device sends a policy processing request to the target blockchain system according to the policy processing instruction.

505. The first node equipment acquires accident information, loss information and policy information of the insurance policy.

506. The first node device generates a first block based on the policy processing request, the accident information, the loss information, and the policy information.

507. When the first block passes through the target blockchain system, the first node equipment adds the first block to a blockchain of the target blockchain system.

508. The first node device receives a policy processing success message indicating that the third node device in the target blockchain system has successfully performed a value transfer based on the policy processing request.

In steps 504 to 508, when the policy processing instruction is received, policy processing is performed based on the target blockchain system to implement a claim settlement process. Steps 504 to 508 are similar to steps 201 to 205, and the embodiment of the present invention is not described herein.

The embodiment of the invention automatically finishes the auditing step required by the insurance by sending an insurance application request to a target block chain system, sends an insurance policy processing request to the target block chain system when the insurance policy processing is required, automatically acquires a plurality of information of the insurance policy by the target block chain system, audits the insurance policy processing request of the insurance policy based on the acquired information, directly performs the insurance policy processing after the auditing is successful, does not need to manually collect information and submit data to a relevant mechanism, does not need to manually audit, can realize the whole process of establishing and processing the insurance policy by the target block chain, realizes the automation of the insurance policy processing process, can effectively improve the efficiency of establishing and processing the insurance policy, and has the characteristics of distributed storage and non-falsification of the information in the target block chain system, the security of policy processing can be effectively improved.

Fig. 6 is a schematic structural diagram of an insurance policy processing apparatus according to an embodiment of the present invention, where the insurance policy processing apparatus is applied to a first node device, and referring to fig. 6, the apparatus includes:

a sending module 601, configured to send an insurance policy processing request to a target blockchain system corresponding to an insurance policy according to the insurance policy in the insurance policy processing instruction, where the insurance policy processing request is used to instruct to perform numerical value transfer based on a loss condition of the insurance policy;

an obtaining module 602, configured to obtain accident information, loss information, and policy information of the insurance policy;

a generating module 603, configured to generate a first block based on the policy handling request, the accident information, the loss information, and the policy information;

an adding module 604, configured to add the first block to the block chain of the target blockchain system when the first block passes through the target blockchain system in common.

In one possible implementation, the obtaining module 602 is configured to receive accident information of the insurance target collected by a sensor, where the sensor includes a vehicle data recorder or a monitoring device.

In a possible implementation manner, the obtaining module 602 is configured to receive loss information of the insurance target sent by a second node device, where the second node device is a node device in the target blockchain system for maintaining the insurance target.

In one possible implementation, the apparatus further includes:

a first receiving module, configured to receive a policy handling success message, where the policy handling success message is used to indicate that the third node device in the target blockchain system has successfully performed value transfer based on the policy handling request.

In one possible implementation, the apparatus further includes:

and the updating module is used for updating the value of a target account in an account table on the block chain when the first block passes the identification in the target block chain system, wherein the target account is the corresponding account of the insurance mark.

In one possible implementation, the apparatus further includes:

a second receiving module, configured to receive a policy handling failure message, where the policy handling failure message is sent by the target blockchain system when the first block does not pass the consensus in the target blockchain system.

In one possible implementation, the apparatus further includes:

a third receiving module, configured to receive an under-information message, where the under-information message is used to prompt that more information needs to be submitted for value transfer based on the policy handling request, and the under-information message is sent by the target blockchain system when the first block does not pass the consensus in the target blockchain system.

In a possible implementation manner, the sending module 601 is further configured to send an insurance application request to the target blockchain system corresponding to an insurance target according to the insurance target in the insurance application instruction, where the insurance application request carries policy information of the insurance target;

the generating module 603 is further configured to generate a second block based on the application request;

the adding module 604 is further configured to add the second block to the block chain of the target blockchain system when the second block passes through the target blockchain system in a common way.

According to the device provided by the embodiment of the invention, the policy processing request is sent to the target block chain system, the target block chain system automatically acquires a plurality of pieces of information of the insurance policy, the policy processing request of the insurance policy is checked based on the acquired plurality of pieces of information, and the policy processing is directly performed after the checking is successful, so that manual offline information collection and data submission by a relevant mechanism are not needed, and manual offline checking is also not needed, and the automation of the policy processing is realized, so that the policy processing efficiency is improved, and the information in the target block chain system has the characteristics of distributed storage and non-falsification, and the security of the policy processing can be effectively improved.

It should be noted that: in the policy processing apparatus provided in the above embodiment, when processing a policy, only the division of the functional modules is illustrated, and in practical applications, the above function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the above described functions. In addition, the policy handling device and the policy handling method provided in the above embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments and are not described herein again.

Fig. 7 is a schematic structural diagram of an insurance policy processing apparatus according to an embodiment of the present invention, where the insurance policy processing apparatus is applied to a second node device, and the second node device is a node device for maintaining an insurance policy in a target blockchain system. Referring to fig. 7, the apparatus includes:

a receiving module 701, configured to receive an insurance policy processing request sent by a first node device, where the insurance policy processing request is used to instruct a loss condition based on an insurance policy to perform value transfer;

a sending module 702, configured to send loss information of the insurance target to the target blockchain system;

an obtaining module 703, configured to obtain accident information and policy information of the insurance policy;

a generating module 704, configured to generate a first block based on the policy processing request, the loss information, the accident information, and the policy information;

an adding module 705, configured to add the first block to the block chain of the target blockchain system when the first block passes through the target blockchain system in common.

In a possible implementation manner, the obtaining module 703 is further configured to obtain the information obtaining permission of any device when an information obtaining request of any device outside the target blockchain system is received and the insurance type of the target insurance target corresponding to the information obtaining request is a target type;

the sending module 702 is further configured to send the target information of the target insurance target to any device when it is determined that any device has the right to obtain the information of the target insurance target according to the information obtaining right, where the target information is the information requested by the information obtaining request.

In a possible implementation manner, the sending module 702 is further configured to send an information acquisition failure message to any device when it is determined that the any device does not have the right to acquire the information of the target insurance policy according to the information acquisition right, where the information acquisition failure message is used to inform that the any device does not have the right to acquire the information of the target insurance policy.

The device provided by the embodiment of the invention automatically finishes the auditing step required by the insurance by sending the insurance request to the target block chain system, sends the insurance policy processing request to the target block chain system when the insurance policy processing is required, automatically acquires a plurality of items of information of the insurance policy by the target block chain system, audits the insurance policy processing request of the insurance policy based on the acquired information, directly carries out the insurance policy processing after the audit is successful, does not need to manually collect information offline and submit data to a relevant mechanism, does not need to manually audit offline, can realize the full flow of establishment and processing of the insurance policy through the target block chain, realizes automation in the insurance policy processing process, can effectively improve the efficiency of establishment and processing of the insurance policy, and has the characteristics of distributed storage and non-falsification in the information in the target block chain system, the security of policy processing can be effectively improved.

The first node device, the second node device and other node devices in the target blockchain system may be computer devices, and the computer devices may be provided as terminals shown in fig. 8 described below or as servers shown in fig. 9 described below, which is not limited herein.

Fig. 8 is a schematic structural diagram of a terminal according to an embodiment of the present invention. The terminal 800 may be: smart phones, tablet computers, MP3 players (Moving Picture Experts Group Audio Layer III, motion Picture Experts compression standard Audio Layer 3), MP4 players (Moving Picture Experts Group Audio Layer IV, motion Picture Experts compression standard Audio Layer 4), notebook computers, or desktop computers. The terminal 800 may also be referred to by other names such as user equipment, portable terminal, laptop terminal, desktop terminal, etc.

In general, the terminal 800 includes: a processor 801 and a memory 802.

The processor 801 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 801 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 801 may also include a main processor and a coprocessor, where the main processor is a processor for processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 801 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, the processor 801 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 802 may include one or more computer-readable storage media, which may be non-transitory. Memory 802 may also include high speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 802 is used to store at least one instruction for execution by processor 801 to implement the policy processing method provided by the method embodiments of the present invention.

In some embodiments, the terminal 800 may further include: a peripheral interface 803 and at least one peripheral. The processor 801, memory 802 and peripheral interface 803 may be connected by bus or signal lines. Various peripheral devices may be connected to peripheral interface 803 by a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 804, a touch screen display 805, a camera 806, an audio circuit 807, a positioning component 808, and a power supply 809.

The peripheral interface 803 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 801 and the memory 802. In some embodiments, the processor 801, memory 802, and peripheral interface 803 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 801, the memory 802, and the peripheral interface 803 may be implemented on separate chips or circuit boards, which are not limited by this embodiment.

The Radio Frequency circuit 804 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuitry 804 communicates with communication networks and other communication devices via electromagnetic signals. The rf circuit 804 converts an electrical signal into an electromagnetic signal to be transmitted, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 804 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 804 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the rf circuit 804 may further include NFC (Near Field Communication) related circuits, which are not limited in the present disclosure.

The display screen 805 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display 805 is a touch display, the display 805 also has the ability to capture touch signals on or above the surface of the display 805. The touch signal may be input to the processor 801 as a control signal for processing. At this point, the display 805 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 805 may be one, providing the front panel of the terminal 800; in other embodiments, the display 805 may be at least two, respectively disposed on different surfaces of the terminal 800 or in a folded design; in still other embodiments, the display 805 may be a flexible display disposed on a curved surface or a folded surface of the terminal 800. Even further, the display 805 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The Display 805 can be made of LCD (liquid crystal Display), OLED (Organic Light-Emitting Diode), and the like.

The camera assembly 806 is used to capture images or video. Optionally, camera assembly 806 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 806 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuit 807 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 801 for processing or inputting the electric signals to the radio frequency circuit 804 to realize voice communication. For the purpose of stereo sound collection or noise reduction, a plurality of microphones may be provided at different portions of the terminal 800. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 801 or the radio frequency circuit 804 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, the audio circuitry 807 may also include a headphone jack.

The positioning component 808 is used to locate the current geographic position of the terminal 800 for navigation or LBS (location based Service). The positioning component 808 may be a positioning component based on the GPS (global positioning System) in the united states, the beidou System in china, the graves System in russia, or the galileo System in the european union.

Power supply 809 is used to provide power to various components in terminal 800. The power supply 809 can be ac, dc, disposable or rechargeable. When the power source 809 comprises a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, terminal 800 also includes one or more sensors 810. The one or more sensors 810 include, but are not limited to: acceleration sensor 811, gyro sensor 812, pressure sensor 813, fingerprint sensor 814, optical sensor 815 and proximity sensor 816.

The acceleration sensor 811 may detect the magnitude of acceleration in three coordinate axes of the coordinate system established with the terminal 800. For example, the acceleration sensor 811 may be used to detect the components of the gravitational acceleration in three coordinate axes. The processor 801 may control the touch screen 805 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 811. The acceleration sensor 811 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 812 may detect a body direction and a rotation angle of the terminal 800, and the gyro sensor 812 may cooperate with the acceleration sensor 811 to acquire a 3D motion of the user with respect to the terminal 800. From the data collected by the gyro sensor 812, the processor 801 may implement the following functions: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

Pressure sensors 813 may be disposed on the side bezel of terminal 800 and/or underneath touch display 805. When the pressure sensor 813 is disposed on the side frame of the terminal 800, the holding signal of the user to the terminal 800 can be detected, and the processor 801 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 813. When the pressure sensor 813 is disposed at a lower layer of the touch display screen 805, the processor 801 controls the operability control on the UI interface according to the pressure operation of the user on the touch display screen 805. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 814 is used for collecting a fingerprint of the user, and the processor 801 identifies the identity of the user according to the fingerprint collected by the fingerprint sensor 814, or the fingerprint sensor 814 identifies the identity of the user according to the collected fingerprint. Upon identifying that the user's identity is a trusted identity, the processor 801 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, policy handling, changing settings, and the like. Fingerprint sensor 814 may be disposed on the front, back, or side of terminal 800. When a physical button or a vendor Logo is provided on the terminal 800, the fingerprint sensor 814 may be integrated with the physical button or the vendor Logo.

The optical sensor 815 is used to collect the ambient light intensity. In one embodiment, the processor 801 may control the display brightness of the touch screen 805 based on the ambient light intensity collected by the optical sensor 815. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 805 is increased; when the ambient light intensity is low, the display brightness of the touch display 805 is turned down. In another embodiment, the processor 801 may also dynamically adjust the shooting parameters of the camera assembly 806 based on the ambient light intensity collected by the optical sensor 815.

A proximity sensor 816, also known as a distance sensor, is typically provided on the front panel of the terminal 800. The proximity sensor 816 is used to collect the distance between the user and the front surface of the terminal 800. In one embodiment, when the proximity sensor 816 detects that the distance between the user and the front surface of the terminal 800 gradually decreases, the processor 801 controls the touch display 805 to switch from the bright screen state to the dark screen state; when the proximity sensor 816 detects that the distance between the user and the front surface of the terminal 800 becomes gradually larger, the processor 801 controls the touch display 805 to switch from the screen-on state to the screen-on state.

Those skilled in the art will appreciate that the configuration shown in fig. 8 is not intended to be limiting of terminal 800 and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components may be used.

Fig. 9 is a schematic structural diagram of a server according to an embodiment of the present invention, where the server 900 may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 901 and one or more memories 902, where the memory 902 stores at least one instruction, and the at least one instruction is loaded and executed by the processor 901 to implement the policy handling method provided by each method embodiment. Of course, the server may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input/output, and the server may also include other components for implementing the functions of the device, which are not described herein again.

In an exemplary embodiment, a computer-readable storage medium, such as a memory, is also provided that includes instructions executable by a processor to perform the policy handling method of the above embodiments. For example, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a Compact Disc Read-Only Memory (CD-ROM), a magnetic tape, a floppy disk, an optical data storage device, and the like.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, and the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only exemplary of the present invention and should not be taken as limiting the invention, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A policy processing method applied to a user node device in a federation chain system, the method comprising:

2. The method of claim 1, wherein the obtaining accident information for the vehicle comprises:

accident information of the vehicle collected by a sensor is received, wherein the sensor comprises a vehicle data recorder or a monitoring device.

3. The method of claim 2, wherein the obtaining accident information for the vehicle comprises:

and receiving accident information of the vehicle shared by the node equipment of the public security bureau in the alliance chain system, wherein the accident information of the vehicle is collected by a sensor and is sent to the node equipment of the public security bureau.

4. The method of claim 1, wherein the obtaining of cost data for vehicle repair comprises:

and receiving the cost data of vehicle maintenance sent by the node equipment of the vehicle repairing company in the alliance chain system.

5. The method of claim 1, wherein the intelligent contract comprises terms of an automated claim;

the triggering of the intelligent contract and the completion of claim settlement comprise: and carrying out claim settlement according to the terms of the automatic claim settlement.

6. The method of claim 1, further comprising:

receiving an under-information message for prompting that a sensor is required to submit more information for a numerical transfer based on the claim request, the under-information message being sent by the federation chain system when the first block fails in consensus in the federation chain system.

7. The method of claim 1, further comprising:

receiving a policy processing success message indicating that node devices of banks in the federation chain system have successfully performed a value transfer based on the claim payment request.

8. The method of claim 1, further comprising:

when the first block passes through the union chain system, updating the value of a target account in an account table on a union chain of the union chain system, wherein the target account is an account corresponding to the vehicle.

9. The method of claim 1, further comprising:

receiving a policy handling failure message sent by the federated chain system when the first tile does not pass consensus in the federated chain system.

10. The method according to claim 1, wherein before sending a request for reimbursement to a corresponding alliance chain system of the vehicle according to the vehicle in the policy processing instruction, the method further comprises:

according to a vehicle in an insurance application instruction, sending an insurance application request to the alliance chain system corresponding to the vehicle, wherein the insurance application request carries insurance policy information of the vehicle;

generating a second block based on the application request;

and when the second block is commonly recognized in the alliance chain system, triggering an intelligent contract to complete the application.

11. A policy processing method applied to a node device of a car repair company in a federation chain system, the method comprising:

sending cost data for the vehicle repair to the alliance chain system;

acquiring accident information and policy information of the vehicle;

12. The method of claim 9, further comprising:

when an information acquisition request of any equipment outside the alliance chain system is received, and the insurance type of a target insurance target corresponding to the information acquisition request is a target type, acquiring the information acquisition permission of any equipment;

and when determining that any equipment has the right to acquire the information of the target insurance target according to the information acquisition right, sending the target information of the target insurance target to the any equipment, wherein the target information is the information requested by the information acquisition request.

13. An insurance policy processing apparatus, applied to a user node device in a federation chain system, the apparatus comprising:

14. A computer device comprising a processor and a memory, the memory having stored therein at least one instruction that is loaded and executed by the processor to perform operations performed by the policy handling method of any one of claims 1 to 10; or operations performed by the policy handling method of any one of claim 11 to claim 12.

15. A computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor to perform operations performed by the policy processing method according to any one of claims 1 to 10; or operations performed by the policy handling method of any one of claim 11 to claim 12.