CN111291120A - Health insurance application method, equipment and medium based on block chain - Google Patents
Health insurance application method, equipment and medium based on block chain Download PDFInfo
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Abstract
The application discloses a health insurance application method, equipment and medium based on a block chain. Acquiring application information of insuring sent by an insurant terminal, and acquiring health data and/or diagnosis and treatment data of the insurant, which are stored by a third party main body on a health type insurance block chain, according to identity information of the insurant; acquiring candidate insurance product information corresponding to the dangerous species on an insurance network sales platform on a health insurance block chain according to the planned purchase of the dangerous species, processing the candidate insurance product information by adopting an association analysis model based on health data and/or diagnosis and treatment data of an insured person to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end; acquiring an insurance application instruction sent by an insurance application person end, and uploading the insurance product information and the insurance premium added with a digital signature of the insurance application person end to a health insurance block chain according to a health insurance application intelligent contract. The information of the insurable person can be truly and accurately obtained and insurance products can be contrasted.
Description
Technical Field
The application relates to the technical field of intelligent contracts and blockchains, in particular to a health insurance application method, equipment and medium based on blockchains.
Background
In recent years, with the development of economy, people increasingly purchase insurance products, and the demand for the insurance products is rising, especially the demand for health insurance products is huge. Accordingly, various insurance products are released by large insurance companies, and it is expected that the large demand in the market can be satisfied. However, in the face of an insurance product with a full purpose of enamels, the applicant often does not know how to select the insurance product which has high cost performance and is suitable for actual needs. Moreover, with the increase of insurance types, the applicant is less aware of how to match various insurance type products, and the complementation is realized instead of repeatedly purchasing homogeneous products.
At present, the method for evaluating insurance products is less, the specialty is not high, the product database is incomplete, and the insurance product suitable for the insurance product can not be selected quickly and accurately by the applicant.
On the other hand, many applicant currently underwent their care while concealing the history and condition of the applicant. This causes a lot of unnecessary disputes or economic losses. The insurance company is often difficult to check the information provided by the applicant, and even if the information is checked, a large cost is required to be invested, so that the price of the insurance product is increased. Therefore, how to enable the insurance company to obtain the truest and accurate health condition of the insured person at the lowest cost is also a problem to be solved at present.
Therefore, there is a need to develop a new health insurance method to overcome the above problems.
The above description is included in the technical recognition scope of the inventors, and does not necessarily constitute the prior art.
Disclosure of Invention
The embodiment of the specification provides a block chain-based health insurance application method, equipment and a medium, which are used for solving the following technical problems in the prior art: the existing insurance application mode has the problems that products of a plurality of insurance companies cannot be compared, health insurance products cannot be customized for insurance applicants, and whether the personal health condition provided by the insurance applicants is real and accurate cannot be ensured.
To achieve the above object, an embodiment of the present specification provides a health insurance application method based on a blockchain, including:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
Optionally, the health insurance application method based on the blockchain further includes constructing an insurance network sales platform, where the insurance network sales platform is at least capable of aggregating and selling insurance products of a plurality of insurance companies;
and constructing a health type insurance block chain, wherein the health type insurance block chain at least comprises the insurance network sale platform and a plurality of third-party main bodies, and the third-party main bodies are respectively registered to become nodes on the health type insurance block chain.
Optionally, the block chain-based health insurance application method further includes collecting purchased insurance information and corresponding premium purchased by the applicant on the health insurance block chain, and/or collecting the purchased insurance information and corresponding premium on the health insurance block chain
And acquiring the purchased insurance information and corresponding premium purchased by the policyholder on the health insurance block chain.
Optionally, the health-class insurance application method based on the blockchain further includes:
acquiring claim settlement application information sent by an applicant end;
the claim application information is checked by an authentication organization based on the insurance product information, whether claim cases are formed is determined, the checking result is uploaded to a health insurance block chain,
if yes, then: and sending the claim application information to a monitoring mechanism, wherein the monitoring mechanism determines the claim amount according to the claim application information, uploads the claim amount to a health insurance block chain, and sends the token corresponding to the claim amount to an account of the insurant.
Optionally, the health data of the insured person stored on the third party entity includes at least one of: exercise data of the insurant, diet data of the insurant, and working time data of the insurant.
Optionally, the medical data of the insurable person stored on the third party principal comprises at least one of: physical examination data, previous disease data, previous injury data.
Optionally, the quasi-purchasing risk includes at least one of: medical insurance, disease insurance, income guarantee insurance and nursing insurance.
Optionally, the correlation analysis model comprises at least one of: apriori algorithm, FP-growth algorithm.
In order to achieve the above object, a second aspect of the embodiments of the present specification provides a device for health-type insurance application based on a block chain, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
To achieve the above object, an embodiment of the present specification further provides a non-volatile computer storage medium for block chain-based health-type insurance application, which stores computer-executable instructions, where the computer-executable instructions are configured to:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
(1) the specification discloses a block chain-based health insurance application method, which effectively utilizes intelligent contracts and block chain technologies, applies decentralization, non-tampering property and traceability of the block chain technologies to the life cycle of health insurance, and realizes chain linking of the health insurance. By collecting health data and diagnosis and treatment data of the insurant provided by a third party main body on the block chain, the problem that the insurant intentionally hides the health condition of the insurant or suffers from serious diseases during insuring can be effectively avoided, and the policy is obtained by means of hiding, hiding and the like. By collecting the information of the candidate insurance products on the insurance network sales platform, the insurance applicant can be helped to learn the similar insurance products provided by a plurality of insurance companies, and the insurance applicant can conveniently carry out transverse comparison on the insurance products. By analyzing and processing the condition of the policyholder and the information of the candidate insurance products, a more suitable insurance product is recommended to the policyholder, the most suitable insurance can be recommended for the policyholder, the policyholder is helped to select, and the problems that the policyholder is hard to purchase with strong pertinence and cannot transversely compare products of a plurality of insurance companies are solved.
(2) By collecting insurance and premium bought by the applicant once, insurance purchasing ability and purchasing preference of the applicant can be analyzed, and more appropriate insurance is recommended for the applicant; the existing insurance situation of the insurable person can be known by collecting the insurance and the premium bought by the insurable person, and the health insurance products which are more reasonable to the existing insurance combination are selected and recommended to the insurable person, so that the insurable person can be matched with the insurance combination which is more suitable for the insurable person.
(3) The identification mechanism, the supervision mechanism and the like are incorporated into the block chain, claim cases are identified through the identification mechanism, claim amount is determined through the supervision mechanism, fair and transparent insurance identification process can be achieved, and fair and reasonable benefits are achieved.
(4) Compared with the traditional insurance mode, the health insurance application method disclosed by the specification effectively solves the mutual trust problem of each insurance participant through a unified and decentralized block chain architecture, increases the cooperation of each insurance participant, reduces the trust cost and the operation cost of insurance, ensures the integrity and the non-tamper property of the insurance life cycle process record, and is convenient for a monitoring authority to audit and carry out evidence obtaining and tracing.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
fig. 1 is a schematic flowchart of a health insurance application method based on a block chain according to an embodiment of the present disclosure;
fig. 2 is an architectural diagram of an apparatus for health insurance application based on a blockchain according to an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more apparent, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person skilled in the art without making any inventive step based on the embodiments in the description belong to the protection scope of the present application.
First, the technical concept of the technical solution disclosed in the present invention will be explained. At present, the method for evaluating the insurance products is less, the specialty is not high, the database of the insurance products to be evaluated is imperfect, and the insurance products suitable for the actual demands of the insurance products can not be selected quickly and accurately by the applicant in the full-purpose insurance products. The applicant does not know how to select, how to select insurance products which have high cost performance and are suitable for actual requirements; it is not known how to match various types of insurance products, so that complementation is realized, and the repeated purchase of homogeneous products is avoided. On the other hand, many policemen now conceal their medical history and illness for policemen, and this results in unnecessary disputes and economic losses. The insurance company is often difficult to check the information provided by the applicant, and even if the information can be checked, a large cost is invested, so that the price of the insurance product is increased. How to enable an insurance company to obtain the most real and accurate health condition information of the insured person at the lowest cost is also a problem which needs to be solved at present.
The technical solutions provided by the embodiments of the present application are described in detail below with reference to the accompanying drawings.
Fig. 1 is a schematic flowchart of a health insurance application method based on a blockchain according to an embodiment of the present disclosure. As shown in fig. 1, the block chain-based health insurance application method includes acquiring application information issued by an applicant, where the application information at least includes applicant identity information, and quasi-purchased risk species; acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant; collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties; analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end; acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
Wherein, the quasi-purchasing risk can include at least one of the following items: medical insurance, disease insurance, income guarantee insurance and nursing insurance. The health data of the insured person stored on the third party entity may include, for example, at least one of: exercise data of the insurant, diet data of the insurant, and working time data of the insurant. The clinical data of the applicant stored on the third party principal may include, for example, at least one of: physical examination data, previous disease data, previous injury data.
The health insurance application method of the embodiment effectively utilizes the intelligent contract and the block chain technology, applies decentralization, non-tampering property and traceability of the block chain technology to the life cycle of the health insurance, and realizes the chain linking of the health insurance. By collecting health data and diagnosis and treatment data of the insurant provided by a third party main body on the block chain, the problem that the insurant intentionally hides the health condition of the insurant or suffers from serious diseases during insuring can be effectively avoided, and the policy is obtained by means of hiding, hiding and the like. By collecting the information of the candidate insurance products on the insurance network sales platform, the insurance applicant can be helped to learn the similar insurance products provided by a plurality of insurance companies, and the insurance applicant can conveniently carry out transverse comparison on the insurance products. By analyzing and processing the condition of the policyholder and the information of the candidate insurance products, a more suitable insurance product is recommended to the policyholder, the most suitable insurance can be recommended for the policyholder, the policyholder is helped to select, and the problems that the policyholder is hard to purchase with strong pertinence and cannot transversely compare products of a plurality of insurance companies are solved.
In this embodiment, the health insurance application method based on the blockchain further includes constructing an insurance network sales platform, where the insurance network sales platform is at least capable of aggregating and selling insurance products of a plurality of insurance companies; and constructing a health type insurance block chain, wherein the health type insurance block chain at least comprises the insurance network sale platform and a plurality of third-party main bodies, and the third-party main bodies are respectively registered to become nodes on the health type insurance block chain.
By constructing an insurance network sales platform and butting the platform with background interfaces of insurance companies, a large number of insurance products of each insurance company are collected, the problem that the database of the insurance products to be evaluated in the prior art is incomplete is solved, and a foundation is provided for transversely comparing a plurality of insurance products. Meanwhile, the platform can also realize functions of insurance sales, online case reporting, online claim settlement and the like.
Through constructing a health insurance block chain, a plurality of third-party main bodies, an insurance network sales platform, an authentication mechanism and a supervision mechanism are taken as nodes and are brought into a block chain network, the block chain technology is utilized, the full life cycle data chaining of insurance products is realized, the integrity and the non-tampering property of the data are ensured, and the evidence taking and the tracing at the later stage are facilitated.
Wherein, the third-party subjects can be WeChat, pay for treasures, hungry, American groups for takeover or nailing, intelligent joint recruitment and the like.
In this embodiment, the block chain-based health insurance application method further includes collecting purchased insurance information and corresponding premiums purchased by the applicant on the health insurance block chain, and/or collecting purchased insurance information and corresponding premiums purchased by the applicant on the health insurance block chain.
By collecting insurance and premium bought by the applicant once, insurance purchasing ability and purchasing preference of the applicant can be analyzed, and more appropriate insurance is recommended for the applicant; the existing insurance situation of the insurable person can be known by collecting the insurance and the premium bought by the insurable person, and the health insurance products which are more reasonable to the existing insurance combination are selected and recommended to the insurable person, so that the insurable person can be matched with the insurance combination which is more suitable for the insurable person.
In this embodiment, the health insurance application method based on the blockchain further includes acquiring claim application information sent by an applicant; and based on the insurance product information, the claim application information is checked by an authentication mechanism, whether a claim case is formed is determined, the checking result is uploaded to a healthy insurance block chain, if so, the claim application information is sent to a monitoring mechanism, the monitoring mechanism determines the claim amount according to the claim application information, uploads the claim amount to the healthy insurance block chain, and sends the token corresponding to the claim amount to an account of the applicant terminal.
The identification mechanism, the supervision mechanism and the like are incorporated into the block chain, claim cases are identified through the identification mechanism, claim amount is determined through the supervision mechanism, fair and transparent insurance identification process can be achieved, and fair and reasonable benefits are achieved.
For the sake of understanding, the specific contents of the above block chain-based health insurance application method are further described below:
firstly, an insurance network selling platform is constructed, the insurance network selling platform is in butt joint with background interfaces of insurance companies, a large number of insurance products of each insurance company are collected on a unified platform, and meanwhile, the platform can also be used for insurance selling, online case reporting, online claim settlement and the like.
And constructing a health insurance block chain, and taking a plurality of third-party main bodies, an insurance network sale platform, an identification mechanism and a supervision mechanism as nodes to be incorporated into a block chain network. Several third party entities, such as WeChat, Payment treasures, hungry, American groups takeout, nailing, Union recruitment or hospitals, clinics, etc., may each register as a node on the health-like insurance block chain.
Acquiring application information of insurance application provided by an applicant, wherein the application information of insurance application provided by the applicant must include own identity information, and the identity information of the applicant and the type of insurance hoped to be purchased. The quasi-buying insurance may be, for example, medical insurance, disease insurance, income guarantee insurance, or care insurance, etc.
And collecting health data of the insured person stored in a third-party main body on the health type insurance block chain according to the identity information of the insured person. For example, the movement condition of the policyholder, such as average movement steps, can be collected through WeChat or Payment; by hungry or American group take-out, whether the policeman frequently eats take-out and take-out types can be collected; whether the policeman has the habit of staying up and overtime frequently or not can be collected through tools such as nails and the like; the job type of the insurable person can be collected through intelligent recruitment and the like, and whether the insurable person is to work in day and night reversal or work with certain personal risk is judged. The medical data of the insurable person can be collected through hospitals, clinics and the like, such as whether the insurable person suffers from serious diseases, serious trauma or internal injury, whether the insurable person receives treatment in the hospital or recent physical examination data and the like.
According to the dangerous species which the applicant wishes to buy, a plurality of candidate insurance product information corresponding to the dangerous species on the insurance network sales platform are collected. The big data processing end analyzes and processes the correlation degree of the health data, the diagnosis and treatment data of the insured person and the candidate insurance product information through the correlation analysis model, finds out the insurance products which are relatively in line with the requirements of the insured person, recommends the information of the insurance products to the insured person, and simultaneously pushes the difference information of the insurance products to the insured person, wherein the pushing form can be a list, a diagram or a description, and the like. The association analysis model may adopt Apriori algorithm or FP-growth algorithm, etc.
The insurance applicant selects insurance products to be applied according to the actual requirements of the applicant, sends an insurance application instruction, and automatically uploads the information of the insurance products to be applied and the insurance fee to the digital signature of the applicant to the block chain of the health insurance block based on the intelligent contract of the health insurance application.
In the process, insurance information and corresponding insurance fees purchased by the applicant can be collected from a third-party main body or an insurance network sales platform, insurance purchasing ability and purchasing preference of the applicant can be analyzed by collecting the information, and more appropriate insurance is recommended for the applicant. Meanwhile, insurance information and corresponding insurance fees purchased by the policyholder can be collected. The existing insurance situation of the insurable person can be known by collecting the insurance and the premium bought by the insurable person, and the health insurance products which are more reasonable to the existing insurance combination are selected and recommended to the insurable person, so that the insurable person can be matched with the insurance combination which is more suitable for the insurable person.
After the insurance is finished, if an event needing claim settlement occurs, the applicant can also send out a claim settlement application on the insurance network selling platform. After acquiring the claim settlement application information of the applicant, sending the information and the insurance application product information stored in the block chain to an authentication mechanism, and performing auditing by the authentication mechanism on the block chain to determine whether a claim case is formed or not, and uploading an auditing result to the block chain for storage.
If the condition that the claim is required does exist, the accreditation institution sends the claim application information to the monitoring institution, the monitoring institution examines and determines the claim amount, uploads the claim amount to the block chain, and sends the token corresponding to the claim amount to the account of the applicant. The applicant may cash out the token against the exchange.
By utilizing the block chain technology, the purposes of writing a chain by carrying a token with information such as an insurance application record, a policy, a claim settlement case and the like and storing a certificate by the block chain are achieved.
The functions of the insurance network sales platform can be set as follows:
1. insurance product detail review (insurance requisition, claim guidelines, insurance examples, insurance terms, etc.);
2. online application (online payment, policy information filling, etc.);
3. online claims (online filing, claims manual, documentation download, etc.);
4. application management (my insurance policy, pending payment, paid insurance policy, all insurance policy, search insurance policy function, etc.);
5. account management (account balance, recharge, search by transaction date function, recharge record, consumption record, refund record, etc.).
Fig. 2 is an architectural diagram of an apparatus for health insurance application based on a blockchain according to an embodiment of the present disclosure. As shown in fig. 2, this embodiment further provides a device for health insurance application based on a blockchain, where the device includes:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
The present embodiments also provide a non-volatile computer storage medium for health-like insurance application based on blockchains, storing computer-executable instructions configured to:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
The embodiments in the present application are described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the device and media embodiments, the description is relatively simple as it is substantially similar to the method embodiments, and reference may be made to some descriptions of the method embodiments for relevant points.
The device and the medium provided by the embodiment of the application correspond to the method one to one, so the device and the medium also have the similar beneficial technical effects as the corresponding method, and the beneficial technical effects of the method are explained in detail above, so the beneficial technical effects of the device and the medium are not repeated herein.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is directed to methods, apparatus (systems), and computer program products according to embodiments of the present invention
A flowchart and/or block diagram of an article. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include transitory computer readable media (trans-entity media) such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. A health insurance application method based on a block chain is characterized by comprising the following steps:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
2. The blockchain-based health-class insurance application method according to claim 1, further comprising:
constructing an insurance network sales platform, wherein the insurance network sales platform at least gathers and sells insurance products of a plurality of insurance companies;
and constructing a health type insurance block chain, wherein the health type insurance block chain at least comprises the insurance network sale platform and a plurality of third-party main bodies, and the third-party main bodies are respectively registered to become nodes on the health type insurance block chain.
3. The blockchain-based health-class insurance application method according to claim 1, further comprising:
collecting the bought insurance information and corresponding insurance fee bought by the policyholder on the health insurance block chain, and/or
And acquiring the purchased insurance information and corresponding premium purchased by the policyholder on the health insurance block chain.
4. The blockchain-based health-class insurance application method according to claim 1, further comprising:
acquiring claim settlement application information sent by an applicant end;
the claim application information is checked by an authentication organization based on the insurance product information, whether claim cases are formed is determined, the checking result is uploaded to a health insurance block chain,
if yes, then: and sending the claim application information to a monitoring mechanism, wherein the monitoring mechanism determines the claim amount according to the claim application information, uploads the claim amount to a health insurance block chain, and sends the token corresponding to the claim amount to an account of the insurant.
5. The blockchain-based health-class insurance application method according to claim 1, wherein the health data of the insured person stored on the third-party agent includes at least one of: exercise data of the insurant, diet data of the insurant, and working time data of the insurant.
6. The method as claimed in claim 1, wherein the diagnosis and treatment data of the insured person stored in the third party entity comprises at least one of physical examination data, previous disease data and previous injury data.
7. The blockchain-based health-type insurance application method according to claim 1, wherein the quasi-purchasing risk species includes at least one of: medical insurance, disease insurance, income guarantee insurance and nursing insurance.
8. The blockchain-based health-class insurance application method according to claim 1, wherein the correlation analysis model includes at least one of: apriori algorithm, FP-growth algorithm.
9. An apparatus for health-type insurance application based on a blockchain, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
10. A non-transitory computer storage medium for blockchain based health-like insurance application, storing computer-executable instructions configured to:
acquiring application information for insuring sent by an insuring person terminal, wherein the application information for insuring at least comprises identity information of the insuring person, identity information of an insuring person and a planned purchase risk seed;
acquiring health data and/or diagnosis and treatment data of the insurant, which are stored on a third-party main body on a health type insurance block chain, according to the identity information of the insurant;
collecting candidate insurance product information of corresponding risk varieties on an insurance network sale platform on a health insurance block chain according to the planned purchase risk varieties;
analyzing and processing the health data and/or diagnosis and treatment data of the insured person and the candidate insurance product information by adopting an association analysis model to obtain recommended insurance product information, and sending the recommended insurance product information to an insured person end;
acquiring an insurance application instruction sent by the insurer terminal, and uploading the information and the premium of the insured product to the health insurance block chain by adding the digital signature of the insurer terminal according to the health insurance intelligent contract.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202010071488.2A CN111291120A (en) | 2020-01-21 | 2020-01-21 | Health insurance application method, equipment and medium based on block chain |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010071488.2A CN111291120A (en) | 2020-01-21 | 2020-01-21 | Health insurance application method, equipment and medium based on block chain |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112241892A (en) * | 2020-10-29 | 2021-01-19 | 上海玳鸽信息技术有限公司 | Insurance traceability platform and method based on block chain |
| CN112270606A (en) * | 2020-10-30 | 2021-01-26 | 海腾保险代理有限公司 | Information processing method and device for insurance product recommendation |
| CN112989210A (en) * | 2021-05-17 | 2021-06-18 | 明品云(北京)数据科技有限公司 | Insurance recommendation method, system, equipment and medium based on health portrait |
| CN114595322A (en) * | 2022-01-20 | 2022-06-07 | 北京健康之家科技有限公司 | Insurance product recommendation method and device |
-
2020
- 2020-01-21 CN CN202010071488.2A patent/CN111291120A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112241892A (en) * | 2020-10-29 | 2021-01-19 | 上海玳鸽信息技术有限公司 | Insurance traceability platform and method based on block chain |
| CN112270606A (en) * | 2020-10-30 | 2021-01-26 | 海腾保险代理有限公司 | Information processing method and device for insurance product recommendation |
| CN112989210A (en) * | 2021-05-17 | 2021-06-18 | 明品云(北京)数据科技有限公司 | Insurance recommendation method, system, equipment and medium based on health portrait |
| CN114595322A (en) * | 2022-01-20 | 2022-06-07 | 北京健康之家科技有限公司 | Insurance product recommendation method and device |
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