CN111429291A - Double-insurance-communication household insurance intelligent accounting system and method - Google Patents

Double-insurance-communication household insurance intelligent accounting system and method Download PDF

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CN111429291A
CN111429291A CN202010232970.XA CN202010232970A CN111429291A CN 111429291 A CN111429291 A CN 111429291A CN 202010232970 A CN202010232970 A CN 202010232970A CN 111429291 A CN111429291 A CN 111429291A
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童树德
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Abstract

A double-insured family insurance intelligent accounting method for accounting family member insurance transactions according to a blockchain approach, a blockchain being a set of security chains that maintain data blocks at given accounting nodes that are part of a set of accounting nodes in a distributed accounting node network, the security chain maintained at each accounting node including one or more data blocks representing one or more transactions associated with family member insurance, the insurance management method comprising: adding, by a processing side at a given accounting node, one or more data blocks into a secure chain of the data blocks in response to a logging operation; responding to the calling operation, calling the transaction data of one or more data blocks to a processing end for recording one or more account nodes; the logging and calling operations are performed by a processing terminal operatively coupled to a memory associated with the given accounting node. The method realizes the safe storage of the family insurance transaction.

Description

Double-insurance-communication household insurance intelligent accounting system and method
Technical Field
The invention relates to the technical field of insurance services, in particular to a double-insurance-communication home insurance intelligent accounting system and method.
Background
Along with the continuous optimization of people's life, insurance business market is constantly ripe, in order to let people can reach: the insurance types on the market are more and more humanized and diversified even one insurance unit has hundreds of dangerous types. As beneficiaries, people now put more and more surplus funds in hands into insurance, and the continuous development of insurance industry is promoted.
Insurance can be divided into business insurance and social insurance as a whole. Commercial insurance and social insurance have different factors of establishing foundation, management system, objects, guarantee range, fund source and treatment and development, so many people can purchase various different insurance from all aspects. However, insurance management after insurance purchase is a major business short board to be perfected in the market.
Take home insurance as an example: insurance that every family member all can purchase has the multiple, and the time and the requirement of each kind of insurance all have the difference in addition mostly people purchase insurance in every family again simultaneously for insurance in the single family is difficult for managing because of being of great quantity, kind are many. Meanwhile, the existing insurance is mainly based on paper insurance policy, the covering time of one insurance can reach several years or even dozens of years, so that the insurance policy is inconvenient to store, and the insurance policy can be damaged or lost even when the insurance expires, and the management of the family insurance is disordered and irregular.
Disclosure of Invention
Aiming at the defects in the prior art, the invention aims to provide the double-insurance intelligent accounting method, which can realize the information management of the home insurance.
The above object of the present invention is achieved by the following technical solutions:
a bi-insured home insurance intelligent billing method that bills home insurance based on a blockchain, the blockchain being a set of security chains that maintain data blocks at a given billing node that is part of a set of billing nodes in a distributed network of billing nodes, the security chain maintained at each billing node including one or more data blocks representing one or more transactions associated with a family member insurance, the insurance management method comprising:
adding, by a processing side at a given accounting node, one or more data blocks into a secure chain of the data blocks in response to a logging operation; and the number of the first and second groups,
in response to the calling operation, calling the transaction data of one or more data blocks to a processing end for recording one or more account nodes;
the logging and calling operations are performed by a processing terminal operatively coupled to a memory associated with the given accounting node.
By adopting the technical scheme, as the insurance transaction of the family members is recorded by adopting a block chain mode to establish trust, accountability and transparency, an information insurance transaction accounting mode with strong traceability and high safety for the family members is formed. If the family member has a new insurance transaction, the information is recorded into the block chain through the processing terminal, and when the insurance transaction information needs to be acquired, the data block content in the block chain can be called through the processing terminal. Meanwhile, due to the high safety of the transaction accounting mode, some service organizations, such as a traffic department for processing traffic insurance, an insurance company for insurance planning, a medical organization for medical insurance service and the like, can call data from the block chain system, so that high-safety data support is provided for social popularization, intelligent management and service based on insurance business.
As an improvement of the invention, the transaction comprises a commercial insurance transaction or a social insurance transaction.
By adopting the technical scheme, in the prior art, due to the difference of various aspects such as the existence of management systems and the like of commercial insurance and social insurance, the unified management of the insurance is difficult to realize. In the scheme, the basic accounting of the business insurance transaction and the social insurance transaction is realized through the accounting mode of the block chain, and a unified management method is provided for the insurance management and the service of family members and insurance service organizations.
As an improvement of the invention, the data of the uplink operation comprises one or more of logging data, batch import data and data of a data source automatically captured by the accounting node.
By adopting the technical scheme, the data inputting mode can be manually operated or operated by equipment, the mode of batch data inputting belongs to a mode capable of quickly inputting data, the data chaining of the data sources is automatically captured by the accounting node, the link between the block chain and the data sources can be realized, and the accuracy of the chaining data is also ensured when the chaining data is automatically captured in an insurance business database of an insurance company, so that the automatic chaining of the insurance business is realized, the manual maintenance cost is reduced.
As an improvement of the invention, the data of the transaction at least comprises a family identification code, transaction time, transaction objects, accountant information and transaction contents.
By adopting the technical scheme, the family identification code is used for distinguishing different family units so as to form a data block group taking a family as a unit, extraction of block chain data is facilitated, a transaction object can clearly determine that a transactor is personal, and transaction time, information of a person in charge and transaction content form necessary content of transaction data so as to meet the requirement of internal transaction information when tracing and inquiring the transaction content.
As an improvement of the invention, the data block is formed by the transaction data of the family members uploaded by the processing terminal.
By adopting the technical scheme, the data source of the data block is determined.
Another object of the present invention is to provide a double-insurance home insurance intelligent accounting system, which can realize the information management of home insurance.
A bi-insured home insurance intelligent billing system comprising at least one processing end and a memory operatively coupled to the processing end to form a given billing node that is part of a set of billing nodes in a distributed network of billing nodes, each billing node maintaining the blockchain that is a secure chain of one or more data blocks representing one or more transactions associated with a family member insurance, the processing end and memory configured to:
adding, by a processing end, data blocks logged by one or more operation nodes into the secure chain; and the number of the first and second groups,
and calling the transaction data of one or more data blocks to a processing end for recording one or more account nodes.
By adopting the technical scheme, the insurance transaction of the family members is recorded by adopting a block chain mode so as to establish trust, accountability and transparency, and the informatization insurance transaction accounting system with strong traceability and high safety for the family members is formed. If the family member has a new insurance transaction, the information is recorded into the block chain through the processing terminal, and when the insurance transaction information needs to be acquired, the data block content in the block chain can be called through the processing terminal. Meanwhile, due to the high safety of the transaction accounting mode, some service organizations, such as a traffic department for processing traffic insurance, an insurance company for insurance planning, a medical organization for medical insurance service and the like, can call data from the block chain system, so that high-safety data support is provided for social popularization, intelligent management and service based on insurance business.
As an improvement of the invention, the accounting node is applied to an insurance processing system in private electronic equipment, banks, hospitals, traffic management departments, endowment institutions, social security institutions and insurance company departments.
By adopting the technical scheme, the application range of the insurance management system is widened, and as long as a unit or organization needing insurance data is used, the unit or organization can be merged into the block chain through the accounting node, so that the insurance information of family members can be obtained, and the information data support with high safety and strong traceability is provided for the business handling of the family members about insurance.
As an improvement of the invention, the processing end comprises one or more of APP, WeChat applet and PC.
By adopting the technical scheme, the block chain covers various intelligent devices daily used by people, and the application range of the client is widened for the block chain-based insurance management.
As an improvement of the invention, the transaction comprises a commercial insurance transaction or a social insurance transaction.
By adopting the technical scheme, the business insurance transaction and the social insurance transaction are subjected to basic accounting, and a unified management method is provided for insurance management and services of family members and insurance service organizations.
As an improvement of the invention, the data of the transaction at least comprises a family identification code, transaction time, transaction objects, accountant information and transaction contents.
By adopting the technical scheme, the family identification code is used for distinguishing different family units so as to form a data block group taking a family as a unit, a transaction object can clearly identify the individual of a transactor, and the transaction time, the information of a person in charge and the transaction content form the necessary content of the transaction data so as to meet the requirement of internal transaction information when the transaction content is subjected to tracing query.
In summary, the invention includes at least one of the following beneficial technical effects:
1. as the insurance transaction is booked and stored in a block chain mode, the safe bookkeeping method for the insurance bill is provided, so that family members get rid of the constraint of a paper insurance policy and can check the insurance transaction records of the family members and other family members at any time;
2. as the insurance transaction is booked and stored in a block chain mode, the insurance-related department can inquire the insurance transaction records of family members through booked points, thereby providing insurance transaction data with strong traceability and high safety for the insurance-related department; (ii) a
3. The insurance transaction is recorded in a block chain accounting mode, so that the safety of the insurance transaction record can be ensured, and a safety evidence storing method for the insurance transaction is provided.
Drawings
Fig. 1 is a schematic diagram of a block chain based home insurance management system.
Fig. 2 is a block chain accounting structure diagram.
Fig. 3 is a transaction data entry flow diagram in a blockchain-based home insurance management method.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
The first embodiment is as follows:
referring to fig. 1, the intelligent accounting method for the double-insurance home insurance disclosed by the invention accounts the home insurance based on a block chain, wherein the block chain is a safety chain for maintaining data blocks at a given accounting node, and the given accounting node is part of a group of accounting nodes in a distributed accounting node network. The blockchain is operably coupled to a family member data source containing insurance transaction data for the family member, thereby forming a blockchain accounting system that services insurance transactions for the family.
Referring to fig. 2, each data block contains a time stamp and information linking it to the previous data block. Subsequent blocks of each data block are data blocks that include the hash value of the given transaction and the previous block in the chain. The hash values for the current transaction as well as the previous transaction may themselves be hashed to generate a hash value. Thus, each data block in the blockchain represents a given set of transaction data plus a set of all previous transaction data.
The transaction described in this embodiment does not limit the business insurance transaction or social insurance transaction of the family member, that is, the business insurance transaction and social insurance transaction of the family member can be stored by a security chain composed of data blocks. Specifically, the transaction data of each transaction at least comprises a family identification code, transaction time, transaction object, accountant information and transaction content.
The family home identification code is a digital code formed for distinguishing a family unit, the digital code is generated when a family member uploads transaction data for the first time, and the representation form of the digital code comprises but is not limited to numbers, characters, pictures or letters, and the number of a family on a family account is preferred. The transaction time is the time at which the transaction was completed. The transaction object is identity information of family members participating in the transaction. The information of the responsible person is the information of the business personnel participating in the transaction and the organization to which the business personnel belongs.
Furthermore, the intelligent accounting method described in this embodiment can also provide data support for accounting summary related to insurance, and in order to implement this function, the transaction contents are classified and accounted according to the transaction details of insurance transaction. If after a traffic accident occurs, insurance compensation of personal damage of traffic accident victims comprises medical fees, error work fees, nursing fees, traffic fees, lodging fees, hospitalization business subsidies fees, necessary nutrition fees and the like, and when block chain records are carried out on insurance transactions, classified storage of the fees is carried out according to the detail of the fees during the transactions, so that data support is provided for the family members to collect the money through insurance responsibilities.
Referring to fig. 3, to standardize the storage of transaction data, the following is a description of the steps for performing accounting uplink operations on transaction data in one example.
Step 1: and (3) inputting the transaction data to the accounting node, comparing and confirming the transaction data input to the accounting node with the information of the paper transaction list, and entering the step 2 after no error exists.
Step 2: and logging in the block chain by the accounting node for accounting.
And step 3: and the accounting node transmits the accounting data back to the real trader for confirmation, if the data is correct, the step 4 is carried out, otherwise, the step 1 is carried out. The real trader is an actual trader participating in trading, the family members corresponding to the real trader and the trading object are the same person or different persons, if the father purchases insurance for children, the real trader is the father, and the family members corresponding to the trading object are children; when the father purchases insurance for himself, the real trader and the family member corresponding to the trading object are both the father himself.
And 4, step 4: and the accounting node classifies, summarizes and compares the transaction data to generate application icon data, and transmits the application icon data back to the responsible person for confirmation, if the application icon data is correct, the step 5 is carried out, and if the application icon data is not correct, the step 1 is carried out. The responsible person includes a data uploading person and a real trader, the data uploading person and the real trader are the same person or different persons, the trading data are classified according to the detailed list of the trading, and the summary mode is the sum of money according to insurance.
And 5: and converting the application icon data into a data block by the accounting node and uploading the data block to the block chain.
The feedback in the above steps is: the accounting node transmits the corresponding data to a mobile phone, a computer or a mailbox of the real transactor or the responsible person, which is not limited herein. The accounting node is operatively coupled with one or more memories, and the memories are connected with a processing end, and the processing end includes one or more of APP, wechat applet and PC, which is not limited herein. The data in the steps are all stored in a memory, and the operation of the whole set of steps is completed through a processing end.
Because the uploaded transaction data is stored in the form of a block chain, when the transaction data needs to be checked, the transaction data in the data block can be called to the memory through the accounting node to be checked by the processing end or directly presented at the processing end, so that the visual and traceable storage of each transaction is realized, and the security of the uploaded transaction data every time is ensured.
Example two: a double-insured home insurance intelligent accounting system includes at least one processing end and a memory operatively coupled to the processing end to form a given accounting node that is part of a set of accounting nodes in a distributed accounting node network, each accounting node maintaining a blockchain. A blockchain is a secure chain of one or more data blocks representing one or more transactions associated with a family member insurance. The transactions described herein are not limited to the business insurance transactions or social insurance transactions of the family members, i.e., the business insurance transactions and social insurance transactions of the family members can be stored in a security chain composed of data blocks and maintained by the accounting node.
The processing end comprises one or more of an APP (application), a WeChat applet and a PC (personal computer) end and is used for performing recording and calling work at the processing node of the accounting node, namely adding data blocks recorded by one or more operation nodes into a safety chain and calling transaction data of one or more data blocks, and the memory is used for storing data in the processing process of the processing end. The transaction information stored in each data block in the block chain at least comprises: family identification code, transaction time, transaction object, accountant information and transaction content. The family home identification code is a digital code formed for distinguishing a family unit, the digital code is generated when a family member uploads transaction data for the first time, and the representation form of the digital code comprises but is not limited to numbers, characters, pictures or letters, and the number of a family on a family account is preferred. The transaction time is the time at which the transaction was completed. The transaction object is identity information of family members participating in the transaction. The information of the responsible person is the information of the business personnel participating in the transaction and the organization to which the business personnel belongs.
In the process of storing the transaction content, the transactions are classified and stored according to the transaction detail list, so that the family members can summarize the amount according to insurance responsibility through the processing terminal, and data support is provided for the analysis of the insurance amount of the family members.
In one example, the accounting node is applied to the family member private electronic device and an insurance processing system of an insurance-related organization such as a bank, a hospital, a traffic management department, an endowment organization, a social security organization, an insurance company department and the like which need to use insurance data. Through the private electronic equipment, the family members upload the transaction data corresponding to the insurance policy to the block chain to realize the information storage of the insurance data, or call the data block data in the management system to realize the inquiry of the insurance data of the family members or other family members. Meanwhile, insurance-related institutions can query insurance data through the accounting nodes, for example, banks query the insurance information of the accumulation fund through the accounting nodes to judge the proportion of house-purchased loans.
In another example, the accounting node is further connected with a user end for family members, and the user end comprises one or more of an APP, a WeChat applet and a PC end. The family member can send a data acquisition request to the accounting node through the user side. And when the accounting node receives the data acquisition request, the accounting node accesses and calls the transaction data of the corresponding data block and sends the transaction data to the user side.
According to the content, the system realizes the insurance transaction records of the family members in a block chain accounting mode, realizes the visual and traceable storage of each transaction, facilitates the storage and query of the family members on the insurance transaction data, and also provides insurance data support for insurance-related organizations.
Example three:
the difference between the present embodiment and the first embodiment is:
the transaction data for performing the uplink operation further comprises data which is imported into the accounting node in batches and data of the data source which is automatically captured by the accounting node.
The batch import method includes, but is not limited to, batch import by table or batch import by picture. The data sources include but are not limited to databases in insurance-related institutions requiring insurance data, such as hospitals, traffic management departments, endowment institutions, social security institutions, insurance company departments and the like, and the databases in the insurance-related institutions are butted through the accounting nodes, so that the insurance transaction data are automatically captured, and the automatically captured insurance transaction data are linked and stored.
Furthermore, the blockchain also transmits related insurance transaction data to a related insurance-related organization while accounting the insurance transaction, if medical insurance is needed in the hospitalization process, the insurance transaction relates to three departments of a hospital, a bank and a social security organization, and in the medical insurance reimbursement process, the insurance transaction data recorded by the blockchain is synchronously transmitted to the hospital, the bank and the social security organization, so that the database in the related hospital, the bank and the social security organization can update the insurance data storage content in time.
The accounting mode that the accounting node automatically captures insurance transaction data can realize automatic data storage of the block chain, thereby saving the manual operation step in the data chaining process, simultaneously, uniformly linking all insurance services of related departments of the treasure box through the block chain, and realizing automatic processing, accounting and transmission of insurance information.
The embodiments of the present invention are preferred embodiments of the present invention, and the scope of the present invention is not limited by these embodiments, so: all equivalent changes made according to the structure, shape and principle of the invention are covered by the protection scope of the invention.

Claims (10)

1. A bi-guaranty family insurance intelligent billing method that bills family insurance based on a blockchain, the blockchain being a set of security chains that maintain blocks of data at a given billing node that is part of a set of billing nodes in a distributed network of billing nodes, the security chain maintained at each billing node including one or more blocks of data representing one or more transactions associated with family member insurance, the insurance management method comprising:
adding, by a processing side at a given accounting node, one or more data blocks into a security chain of the data blocks in response to an uplink operation; and the number of the first and second groups,
responding to the calling operation, calling the transaction data of one or more data blocks to a processing end of one or more accounting nodes;
the logging and calling operations are performed by a processing terminal operatively coupled to a memory associated with the given accounting node.
2. The intelligent double-insurance home insurance accounting method according to claim 1, wherein: the transaction includes a commercial insurance transaction or a social insurance transaction.
3. The intelligent double-insurance home insurance accounting method according to claim 1, wherein: the data of the uplink operation comprises one or more of input data, batch import data and data of a data source automatically captured by the accounting node.
4. The intelligent double-insurance home insurance accounting method according to claim 1, wherein: the data of the transaction at least comprises a family identification code, transaction time, transaction objects, information of responsible persons and transaction contents.
5. The intelligent double-insurance home insurance accounting method according to claim 1, wherein: the data block is formed by the transaction data of the family members uploaded by the processing terminal.
6. The utility model provides a two guarantors lead to family insurance intelligence accounting system which characterized in that: comprising at least one processing end and memory operatively coupled to the processing end to form a given accounting node that is part of a set of accounting nodes in a distributed accounting node network, each accounting node maintaining the blockchain that is a secure chain of one or more data blocks representing one or more transactions associated with a family member insurance, the processing end and memory configured to:
adding, by a processing end, data blocks logged by one or more operation nodes into the secure chain; and the number of the first and second groups,
and calling the transaction data of one or more data blocks to a processing end for recording one or more account nodes.
7. The intelligent double-insurance home insurance accounting system of claim 6, wherein: the accounting node is applied to an insurance processing system in private electronic equipment, banks, hospitals, traffic management departments, endowment institutions, social security institutions and insurance company departments.
8. The intelligent double-insurance home insurance accounting system of claim 6, wherein: the processing end comprises one or more of an APP, a WeChat applet and a PC end.
9. The intelligent double-insurance home insurance accounting system of claim 6, wherein: the transaction includes a commercial insurance transaction or a social insurance transaction.
10. The intelligent double-insurance home insurance accounting system of claim 6, wherein: the data of the transaction at least comprises a family identification code, transaction time, transaction objects, information of responsible persons and transaction contents.
CN202010232970.XA 2020-03-28 2020-03-28 Double-insurance-communication household insurance intelligent accounting system and method Pending CN111429291A (en)

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CN109584082A (en) * 2018-09-17 2019-04-05 平安科技(深圳)有限公司 Settlement of insurance claim method, electronic device and storage medium based on block chain
CN110070453A (en) * 2019-04-04 2019-07-30 国美金控投资有限公司 A kind of insurance system and method based on block chain
CN110489492A (en) * 2019-08-27 2019-11-22 山东浪潮人工智能研究院有限公司 A kind of accurate identification of medical insurance based on block chain

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090030727A1 (en) * 2007-07-26 2009-01-29 Siemens Medical Solutions Usa, Inc. System and User Interface for Acquisition and Storage of Patient Medical Insurance Data
CN108776929A (en) * 2018-04-02 2018-11-09 成都云创智融科技有限公司 Bill processing method, system based on block chain database and readable storage medium storing program for executing
CN109191315A (en) * 2018-08-22 2019-01-11 泰康保险集团股份有限公司 Insurance mutual aid method, device, medium and electronic equipment based on block chain
CN109584082A (en) * 2018-09-17 2019-04-05 平安科技(深圳)有限公司 Settlement of insurance claim method, electronic device and storage medium based on block chain
CN109389513A (en) * 2018-12-11 2019-02-26 北京京东尚科信息技术有限公司 Medical insurance Claims Resolution method, apparatus, equipment and computer readable storage medium
CN110070453A (en) * 2019-04-04 2019-07-30 国美金控投资有限公司 A kind of insurance system and method based on block chain
CN110489492A (en) * 2019-08-27 2019-11-22 山东浪潮人工智能研究院有限公司 A kind of accurate identification of medical insurance based on block chain

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