CN111476671A - Block chain rollback insurance method, equipment and storage medium - Google Patents

Block chain rollback insurance method, equipment and storage medium Download PDF

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Publication number
CN111476671A
CN111476671A CN202010271373.8A CN202010271373A CN111476671A CN 111476671 A CN111476671 A CN 111476671A CN 202010271373 A CN202010271373 A CN 202010271373A CN 111476671 A CN111476671 A CN 111476671A
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transaction
user
insurance
payment
block chain
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马登极
王志文
吴思进
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Hangzhou Fuzamei Technology Co Ltd
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Hangzhou Fuzamei Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention provides a block chain rollback insurance method, equipment and a storage medium, wherein the method comprises the following steps: acquiring a premium payment rule recorded in a insurance contract, and determining a first premium required to be paid for transferring a first amount of money according to the premium payment rule; and generating a first transfer transaction and sending the first transfer transaction for the block chain node to execute through the insurance contract, storing the paid first insurance fee into the insurance contract and transferring the paid first amount to a second user. The insurance contract is also used for executing the first claim payment request transaction, verifying whether the transfer transaction submitted by the first claim payment request transaction is rolled back and whether the premium is paid, and verifying whether the claim payment request is legal: if yes, issuing the claim payment item to the contract account of the second user; the first reimbursement request transaction is generated by the user of the second user after rollback in the block to which the first reconciled transaction belongs. The invention ensures that the user can avoid the loss caused by block chain branching rollback without waiting for a long time after each transaction is linked.

Description

Block chain rollback insurance method, equipment and storage medium
Technical Field
The application relates to the technical field of internet, in particular to a block chain rollback insurance method, equipment and a storage medium.
Background
In most current blockchain systems, forking and rollback phenomena exist, and if it is desired to avoid the loss due to forking rollback for the user, it is necessary to continue waiting for several block heights after the successful uplink transaction until the risk of forking is greatly reduced or completely eliminated. The latency described above significantly impacts the user experience of using blockchain applications.
Disclosure of Invention
In view of the above-mentioned drawbacks and deficiencies of the prior art, it is desirable to provide a blockchain rollback insurance method, apparatus, and storage medium that ensures that a user does not have to wait long after each transaction to avoid the loss due to blockchain forking rollback.
In a first aspect, the present invention provides a block chain rollback insurance method for a user side, including:
acquiring a premium payment rule recorded in a insurance contract, and determining a first premium required to be paid for transferring a first amount of money according to the premium payment rule;
and generating a first transfer transaction and sending the first transfer transaction to the block chain network, so that the block chain node executes the first transfer transaction through the insurance contract, stores the first payment paid by the current user into the insurance contract, and transfers the first amount paid by the current user to a second user.
The insurance contract is also used for executing the first claim payment request transaction, verifying whether the transfer transaction submitted by the first claim payment request transaction is legal and is a rollback transaction, whether the transfer transaction pays a premium and whether the claim payment request of the first claim payment request transaction is legal: if yes, issuing the claim payment terms to the contract account of the second user according to the pre-configured claim payment rules; the first claim payment request transaction is generated by the user side of the second user according to the first reconveying transaction after the block to which the first reconveying transaction belongs is rolled back.
In a second aspect, the present invention provides another method for securing a blockchain rollback at a user end, including:
after the block to which the first transfer transaction belongs rolls back, generating a first claim payment request transaction according to the first transfer transaction and sending the first claim payment request transaction to a block chain network, so that block chain nodes execute the first claim payment request transaction through an insurance contract, verify whether the first transfer transaction is legal and is a rollback transaction, whether a transfer transaction for paying a premium is carried out, and whether the claim payment request of the first claim payment request transaction is legal: if so, the claim payment term is issued to the contract account of the current user according to the pre-configured claim payment rule.
The first transfer transaction is generated and sent to a block chain network after a user side of a first user responds to transfer of a first amount to a current user, first insurance fee required to be paid for the first amount of transfer is determined according to insurance fee payment rules recorded in an insurance contract, the block chain points are executed through the insurance contract, the first insurance fee paid by the first user is stored in the insurance contract, and the first amount paid by the first user is transferred to the current user.
In a third aspect, the present invention further provides a block chain rollback insurance method suitable for a block chain node, including:
executing a first transfer transaction through the insurance contract, storing a first insurance fee paid by the first user into the insurance contract, and transferring a first amount paid by the first user to the second user; the first transfer transaction is generated by the user side of the first user responding to the transfer of the first amount to the second user, and after the first payment required for the transfer of the first amount is determined according to the premium payment rule recorded in the insurance contract;
executing the first claim request transaction through the insurance contract, verifying whether the transfer transaction submitted by the first claim request transaction is a legitimate rollback transaction, whether the transfer transaction is a premium payment transaction, and whether the claim request of the first claim request transaction is a legitimate: if yes, issuing the claim payment terms to the contract account of the second user according to the pre-configured claim payment rules; the first claim payment request transaction is generated by the user side of the second user according to the first transfer transaction after the user side rolls back in the block to which the first transfer transaction belongs.
In a fourth aspect, the present invention provides another block chain rollback insurance method suitable for a user side, where a plurality of evidence storage nodes storing rolled back blocks are configured in a block chain network, the method including:
acquiring a premium payment rule recorded in the insurance contract, and determining a second premium required to be paid for transferring a second amount of money according to the premium payment rule;
and generating a second transfer transaction and sending the second transfer transaction to at least one deposit node so as to execute the second transfer transaction through the insurance contract, deposit a second insurance fee paid by the current user into the insurance contract, and transfer the second amount paid by the current user to a fourth user.
The insurance contract is also used for executing a second claim payment request transaction, verifying whether the transfer transaction submitted by the second claim payment request transaction is legal and is a rollback transaction, whether the transfer transaction pays a premium and whether the claim payment request of the second claim payment request transaction is legal: if so, recording the claim payment request to the block chain for the insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes: if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network, so that the block chain nodes execute the confirmation transaction through the insurance contract, and issuing the claim payment items to a contract account of a fourth user according to the pre-configured claim payment rules; and the second claim payment request transaction is generated by the user side of the fourth user according to the second transfer transaction after rolling back in the block to which the second transfer transaction belongs.
In a fifth aspect, the present invention provides another block chain rollback insurance method suitable for a user side, where a plurality of evidence storage nodes storing rolled back blocks are configured in a block chain network, the method including:
after the block to which the second transfer transaction belongs rolls back, generating a second reimbursement request transaction according to the second transfer transaction and sending the second reimbursement request transaction to the block chain network, so that the block chain nodes execute the second reimbursement request transaction through insurance contracts, verify whether the second transfer transaction is legal and is a rollback transaction, and verify whether the second transfer transaction is a transfer transaction paying a premium, and whether the reimbursement request of the second reimbursement request transaction is legal:
if so, recording the claim payment request to the block chain for the insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes:
and if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network so that the block chain nodes execute the confirmation transaction through the insurance contract, and issuing the claim payment items to the contract account of the current user according to the pre-configured claim payment rules.
And the second transfer transaction is generated and sent to at least one deposit node after the user side of the third user responds to the transfer of the second amount to the current user and determines to transfer a second premium required to be paid by the second amount according to a premium payment rule recorded in the insurance contract, the second premium paid by the third user is stored in the insurance contract through the execution of the insurance contract, and the second amount paid by the third user is transferred to the current user.
In a sixth aspect, the present invention further provides another block chain rollback insurance method applicable to a block chain node, where a block chain network is configured with a plurality of evidence storage nodes storing rolled back blocks, the method including:
executing a second transfer transaction through the insurance contract, storing a second insurance fee paid by a third user into the insurance contract, and transferring a second amount paid by the third user to a fourth user; the second transfer transaction is generated and sent to at least one evidence storage node after the user side of the third user responds to the transfer of the second amount to the fourth user and determines the transfer of a second premium required to be paid by the second amount according to the premium payment rule recorded in the insurance contract;
executing the second claim request transaction through the insurance contract, verifying whether the transfer transaction submitted by the second claim request transaction is a legitimate rollback transaction, whether the transfer transaction is a premium payment transaction, and whether the claim request of the second claim request transaction is a legitimate:
if so, recording the claim payment request to the block chain for the insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes:
if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network;
executing a confirmation transaction through the insurance contract, and issuing a claim payment term to a contract account of a fourth user according to a pre-configured claim payment rule; and the second claim payment request transaction is generated by the user side of the fourth user according to the second transfer transaction after rolling back in the block to which the second transfer transaction belongs.
In a seventh aspect, the present invention also provides an apparatus comprising one or more processors and a memory, wherein the memory contains instructions executable by the one or more processors to cause the one or more processors to perform a block chain rollback insurance method provided according to embodiments of the present invention.
In an eighth aspect, the present invention further provides a storage medium storing a computer program, where the computer program makes a computer execute the block chain rollback insurance method provided in accordance with the embodiments of the present invention.
According to the block chain rollback insurance method, the block chain rollback insurance equipment and the block chain rollback insurance medium, provided by the embodiments of the invention, an insurance contract which collects a small amount of premium for each transfer transaction is configured on the block chain, when the block to which the transfer transaction collected by a user belongs rolls back, whether the transfer transaction requested to be paid by the user meets the reimbursement standard is verified through the insurance contract, and insurance reimbursement money is issued to the user after the verification is passed, so that the user is ensured to avoid loss caused by block chain bifurcation rollback without waiting for a long time after each transaction is linked;
the block chain rollback insurance method, the equipment and the storage medium provided by some embodiments of the invention further guide the user to send the transfer transaction through the evidence storage node by configuring the evidence storage node for storing the rolled back block in the block chain network, thereby ensuring that the transaction failed due to block rollback can be verified according to the data of the evidence storage node, and further ensuring that the claim payment request for cheating insurance can be identified.
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Other features, objects and advantages of the present application will become more apparent upon reading of the following detailed description of non-limiting embodiments thereof, made with reference to the accompanying drawings in which:
fig. 1 is a flowchart of a block chain rollback insurance method according to an embodiment of the present invention.
Fig. 2 is a flowchart of another block chain rollback insurance method according to an embodiment of the present invention.
Fig. 3 is a flowchart of another block chain rollback insurance method according to an embodiment of the present invention.
Fig. 4 is a flowchart of a block chain rollback insurance method according to another embodiment of the present invention.
Fig. 5 is a flowchart of another block chain rollback insurance method according to another embodiment of the present invention.
Fig. 6 is a flowchart of another block chain rollback insurance method according to another embodiment of the present invention.
Fig. 7 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
Detailed Description
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the relevant invention and not restrictive of the invention. It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
Fig. 1 is a flowchart of a block chain rollback insurance method according to an embodiment of the present invention.
As shown in fig. 1, in this embodiment, the present invention provides a block chain rollback insurance method for a user end, including:
s11: acquiring a premium payment rule recorded in a insurance contract, and determining a first premium required to be paid for transferring a first amount of money according to the premium payment rule;
s13: and generating a first transfer transaction and sending the first transfer transaction to the block chain network, so that the block chain node executes the first transfer transaction through the insurance contract, stores the first payment paid by the current user into the insurance contract, and transfers the first amount paid by the current user to a second user.
The insurance contract is also used for executing the first claim payment request transaction, verifying whether the transfer transaction submitted by the first claim payment request transaction is legal and is a rollback transaction, whether the transfer transaction pays a premium and whether the claim payment request of the first claim payment request transaction is legal: if yes, issuing the claim payment terms to the contract account of the second user according to the pre-configured claim payment rules; the first claim payment request transaction is generated by the user side of the second user according to the first reconveying transaction after the block to which the first reconveying transaction belongs is rolled back.
The method is exemplified below by user A sending a transfer transaction tx1 to user B, user B's client being synchronized to tx1 and stored locally after tx1 uplink, and user B requesting a payout based on tx1 after the block to which tx1 belongs rolls back due to divergence.
In step S11, when the user a needs to transfer the first amount m1 to the user b, the user side of the user a obtains a payment rule of the premium recorded in the insurance contract on the blockchain (for example, the premium is 1/1000 (a premium configurable upper limit of a single transfer transaction) of the transfer amount, or the premium of the single transfer transaction is fixed to a certain amount, and the like), and determines the first premium m2 which needs to be paid for transferring the first amount m1 according to the rule;
in step S12, the user side of user a generates and sends to the blockchain network a first transfer transaction tx1 that transfers m1 to user b, while paying m2 to the insurance contract.
The blockchain node executes tx1 through the insurance contract, deposits m2 into the insurance contract, and transfers m1 to the account address of the user b.
After the block to which tx1 belongs is rolled back, the user side of user B generates a first claim request transaction tx2 requesting to claim the first amount m1 of the transfer according to tx1, and transmits tx2 to the blockchain network.
The blockchain node executes tx2 through the insurance contract, verifies whether the transfer transaction tx1 submitted by tx2 is a legitimate rollback transaction, a premium transfer transaction (e.g., the user terminal may also generate a premium transfer transaction, which is executed by a transfer contract, and this type of transfer transaction does not belong to the claim range of the insurance contract), and whether the claim request of tx2 is legitimate (e.g., whether the number of claims of the same user is exceeded, or whether the claim amount of the same user is exceeded, etc.):
if not, the claim payment request fails;
if so, the claim request is successful and the claim terms (e.g., the first amount m1, or a fractional proportion of m1, etc.) are issued to the contract account of user B according to pre-configured claim rules.
In this embodiment, the first claim request transaction tx2 further includes a chunk hash, a nonce value, and a mercker tree root of the chunk to which tx1 belongs, and the rollback transaction for verifying whether tx1 is legitimate includes: verifying whether tx1 is legal or not according to the chunk hash, the nonce value and the merck tree root of the chunk to which tx1 belongs submitted by tx2, that is, whether the chunk hash, the nonce value and the merck tree root of the chunk to which tx1 belongs and the transaction hash of tx1 mutually conform to each algorithm of the blockchain system (the specific algorithm belongs to the common general knowledge in the art, and is not described herein again).
In other embodiments, the first claim request transaction should include data required for verification in the blockchain system to which it belongs, based on the different blockchain systems.
In general, although the above-described authentication algorithms are well known in the art, ordinary users are not proficient in these authentication algorithms, and thus it is difficult to forge a transfer transaction that can be authenticated by a contract; in addition, for few users who are proficient in the verification algorithms, considerable computing power is needed to forge the transfer transaction which can be verified through contracts, and the cost is too high; furthermore, the application of the method can be limited to the payment of small amount payment, so that the cost of counterfeiting the transfer transaction which can be verified by the contract is higher than the profit to a certain extent.
Preferably, the insurance contract is further for recording user information for verifying whether the claim request is legitimate, at least one of: the total number of claim requests of the user, the total number of claim requests of the user in the first period, the total number of claim issuance of the user in the first period, the total amount of claim issuance of the user, and the total amount of claim issuance of the user in the first period.
In the embodiment, the insurance contract which collects a small amount of premium for each transfer transaction is configured on the block chain, when the block to which the transfer transaction collected by the user belongs rolls back, whether the transfer transaction requested to be paid by the user meets the claim payment standard is verified through the insurance contract, and insurance claim payment items are issued to the user after the verification is passed, so that the user is ensured to avoid the loss caused by the forking and rolling back of the block chain without waiting for a long time after each transaction is linked.
Fig. 2 is a flowchart of another block chain rollback insurance method according to an embodiment of the present invention. The method illustrated in fig. 2 may be performed in conjunction with the method illustrated in fig. 1.
As shown in fig. 2, in the present embodiment, the present invention further provides another block chain rollback insurance method suitable for a user terminal, including:
s21: after the block to which the first transfer transaction belongs rolls back, generating a first claim payment request transaction according to the first transfer transaction and sending the first claim payment request transaction to a block chain network, so that block chain nodes execute the first claim payment request transaction through an insurance contract, verify whether the first transfer transaction is legal and is a rollback transaction, whether a transfer transaction for paying a premium is carried out, and whether the claim payment request of the first claim payment request transaction is legal: if so, the claim payment term is issued to the contract account of the current user according to the pre-configured claim payment rule.
The first transfer transaction is generated and sent to a block chain network after a user side of a first user responds to transfer of a first amount to a current user, first insurance fee required to be paid for the first amount of transfer is determined according to insurance fee payment rules recorded in an insurance contract, the block chain points are executed through the insurance contract, the first insurance fee paid by the first user is stored in the insurance contract, and the first amount paid by the first user is transferred to the current user.
Preferably, the insurance contract is further for recording user information for verifying whether the claim request is legitimate, at least one of: the total number of claim requests of the user, the total number of claim requests of the user in the first period, the total number of claim issuance of the user in the first period, the total amount of claim issuance of the user, and the total amount of claim issuance of the user in the first period.
The rollback insurance principle of the method shown in fig. 2 can refer to the method shown in fig. 1, and is not described herein again.
Fig. 3 is a flowchart of another block chain rollback insurance method according to an embodiment of the present invention. The method illustrated in fig. 3 may be performed in conjunction with the methods illustrated in fig. 1-2.
As shown in fig. 3, in this embodiment, the present invention further provides a block chain rollback insurance method for a block chain node, including:
s31: executing a first transfer transaction through the insurance contract, storing a first insurance fee paid by the first user into the insurance contract, and transferring a first amount paid by the first user to the second user; the first transfer transaction is generated by the user side of the first user responding to the transfer of the first amount to the second user, and after the first payment required for the transfer of the first amount is determined according to the premium payment rule recorded in the insurance contract;
s33: executing the first claim request transaction through the insurance contract, verifying whether the transfer transaction submitted by the first claim request transaction is a legitimate rollback transaction, whether the transfer transaction is a premium payment transaction, and whether the claim request of the first claim request transaction is a legitimate: if yes, issuing the claim payment terms to the contract account of the second user according to the pre-configured claim payment rules; the first claim payment request transaction is generated by the user side of the second user according to the first transfer transaction after the user side rolls back in the block to which the first transfer transaction belongs.
Preferably, the insurance contract is further for recording user information for verifying whether the claim request is legitimate, at least one of: the total number of claim requests of the user, the total number of claim requests of the user in the first period, the total number of claim issuance of the user in the first period, the total amount of claim issuance of the user, and the total amount of claim issuance of the user in the first period.
The rollback insurance principle of the method shown in fig. 3 can also refer to the method shown in fig. 1, and will not be described herein.
As described above, although the schemes shown in fig. 1-3 can ensure that the user can avoid the loss due to the block chain forking rollback without waiting for a long time after each transaction is linked, there is still theoretically a possibility that lawbreakers can falsify transfer transactions that can be verified by contracts. The solutions shown in fig. 4-6 can further solve this problem.
Fig. 4 is a flowchart of a block chain rollback insurance method according to another embodiment of the present invention. As shown in fig. 4, in another embodiment, the present invention provides a block chain rollback insurance method for a user terminal, where a plurality of evidence storage nodes storing rolled back blocks are configured in a block chain network, the method including:
s41: acquiring a premium payment rule recorded in the insurance contract, and determining a second premium required to be paid for transferring a second amount of money according to the premium payment rule;
s43: and generating a second transfer transaction and sending the second transfer transaction to at least one deposit node so as to execute the second transfer transaction through the insurance contract, deposit a second insurance fee paid by the current user into the insurance contract, and transfer the second amount paid by the current user to a fourth user.
The insurance contract is also used for executing a second claim payment request transaction, verifying whether the transfer transaction submitted by the second claim payment request transaction is legal and is a rollback transaction, whether the transfer transaction pays a premium and whether the claim payment request of the second claim payment request transaction is legal: if so, recording the claim payment request to the block chain for the insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes: if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network, so that the block chain nodes execute the confirmation transaction through the insurance contract, and issuing the claim payment items to a contract account of a fourth user according to the pre-configured claim payment rules; and the second claim payment request transaction is generated by the user side of the fourth user according to the second transfer transaction after rolling back in the block to which the second transfer transaction belongs.
Specifically, also taking the example that the user a sends tx1 to transfer to the user b, the user tx1 rolls back after being linked, and the user b requests a payment according to tx1, the scheme shown in fig. 4 is different from the scheme shown in fig. 1 in that:
on one hand, a block chain network is provided with a plurality of evidence storage nodes for storing the rolled blocks, and the evidence storage nodes can be maintained and operated by an insurance operator and can also be operated by other operators;
on the other hand, when the user side of the user A sends the transfer transaction tx1, tx1 must be sent to at least one evidence storage node, so that the condition that the data evidence which is once uploaded by tx1 is stored in at least one evidence storage node after tx1 rolls back can be guaranteed;
on the other hand, after the insurance contract successfully executes the claim payment request transaction tx2, the claim payment is not directly carried out, but the claim payment request of tx2 is recorded on the block chain, after the insurance operation terminal monitors the claim payment request, the tx1 is verified according to the rolled back blocks stored by each evidence storage node, and a confirmation transaction is sent when the verification is passed; the insurance contract is paid after the execution of the confirmed transaction is successful, so that the transfer transaction which can be verified by the contract and forged by lawbreakers can not pass the verification based on the evidence storing node.
Preferably, the insurance operation terminal is further configured to generate an attestation transaction and send the attestation transaction to the blockchain network when the verification fails; the insurance contract is also used for executing the proof transaction, and the proof information of the second transfer transaction which is not recorded in the rolling block stored by each proof node is recorded on the block chain.
Specifically, in order to avoid malicious non-payment by the insurance operator when the rollback transfer transaction is recorded in the data of the evidence storage node, the insurance operator terminal may be required to generate and send an evidence-holding transaction for evidence holding when the verification fails.
It is further preferred that arbitration rights of a third party can also be configured in the insurance contract for arbitration by the insurance authorities when an assertion is in doubt.
Compared with the embodiment shown in fig. 1, the embodiment further guides the user to send the transfer transaction through the evidence storing node by configuring the evidence storing node for storing the rolled back block in the block chain network, thereby ensuring that the transaction failed due to block rolling back can be verified according to the data of the evidence storing node, and further ensuring that the claim payment request for cheating insurance can be identified.
Fig. 5 is a flowchart of another block chain rollback insurance method according to another embodiment of the present invention. The method illustrated in fig. 5 may be performed in conjunction with the method illustrated in fig. 4.
As shown in fig. 5, in another embodiment, the present invention further provides another block chain rollback insurance method for a user terminal, where a plurality of evidence storage nodes storing rolled back blocks are configured in a block chain network, the method including:
s51: after the block to which the second transfer transaction belongs rolls back, generating a second reimbursement request transaction according to the second transfer transaction and sending the second reimbursement request transaction to the block chain network, so that the block chain nodes execute the second reimbursement request transaction through insurance contracts, verify whether the second transfer transaction is legal and is a rollback transaction, and verify whether the second transfer transaction is a transfer transaction paying a premium, and whether the reimbursement request of the second reimbursement request transaction is legal:
if so, recording the claim payment request to the block chain for the insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes:
and if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network so that the block chain nodes execute the confirmation transaction through the insurance contract, and issuing the claim payment items to the contract account of the current user according to the pre-configured claim payment rules.
And the second transfer transaction is generated and sent to at least one deposit node after the user side of the third user responds to the transfer of the second amount to the current user and determines to transfer a second premium required to be paid by the second amount according to a premium payment rule recorded in the insurance contract, the second premium paid by the third user is stored in the insurance contract through the execution of the insurance contract, and the second amount paid by the third user is transferred to the current user.
Preferably, the insurance operation terminal is further configured to generate an attestation transaction and send the attestation transaction to the blockchain network when the verification fails; the insurance contract is also used for executing the proof transaction, and the proof information of the second transfer transaction which is not recorded in the rolling block stored by each proof node is recorded on the block chain.
The rollback insurance principle of the method shown in fig. 5 can refer to the method shown in fig. 4, and is not described herein again.
Fig. 6 is a flowchart of another block chain rollback insurance method according to another embodiment of the present invention. The method illustrated in fig. 6 may be performed in conjunction with the methods illustrated in fig. 4-5.
As shown in fig. 6, in another embodiment, the present invention further provides another block chain rollback insurance method for a block chain node, where a plurality of evidence storage nodes storing rolled-back blocks are configured in a block chain network, the method includes:
s61: executing a second transfer transaction through the insurance contract, storing a second insurance fee paid by a third user into the insurance contract, and transferring a second amount paid by the third user to a fourth user; the second transfer transaction is generated and sent to at least one evidence storage node after the user side of the third user responds to the transfer of the second amount to the fourth user and determines the transfer of a second premium required to be paid by the second amount according to the premium payment rule recorded in the insurance contract;
s63: executing the second claim request transaction through the insurance contract, verifying whether the transfer transaction submitted by the second claim request transaction is a legitimate rollback transaction, whether the transfer transaction is a premium payment transaction, and whether the claim request of the second claim request transaction is a legitimate:
if yes, go to step S65: recording the claim request to the block chain for the insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by each evidence storage node:
if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network;
s67: executing a confirmation transaction through the insurance contract, and issuing a claim payment term to a contract account of a fourth user according to a pre-configured claim payment rule; and the second claim payment request transaction is generated by the user side of the fourth user according to the second transfer transaction after rolling back in the block to which the second transfer transaction belongs.
Preferably, the insurance operation terminal is further configured to generate an attestation transaction and send the attestation transaction to the blockchain network when the verification fails; the insurance contract is also used for executing the proof transaction, and the proof information of the second transfer transaction which is not recorded in the rolling block stored by each proof node is recorded on the block chain.
The rollback insurance principle of the method shown in fig. 6 can also refer to the method shown in fig. 4, and will not be described herein.
Fig. 7 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
As shown in fig. 7, as another aspect, the present application also provides an apparatus 700 including one or more Central Processing Units (CPUs) 701 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM703, various programs and data necessary for the operation of the apparatus 700 are also stored. The CPU701, the ROM702, and the RAM703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
To the I/O interface 705, AN input section 706 including a keyboard, a mouse, and the like, AN output section 707 including a keyboard such as a Cathode Ray Tube (CRT), a liquid crystal display (L CD), and the like, a speaker, and the like, a storage section 708 including a hard disk and the like, and a communication section 709 including a network interface card such as a L AN card, a modem, and the like, the communication section 709 performs communication processing via a network such as the internet, a drive 710 is also connected to the I/O interface 705 as necessary, a removable medium 711 such as a magnetic disk, AN optical disk, a magneto-optical disk, a semiconductor memory, and the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to an embodiment of the present disclosure, the method described in any of the above embodiments may be implemented as a computer software program. For example, embodiments of the present disclosure include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing any of the methods described above. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711.
As yet another aspect, the present application also provides a computer-readable storage medium, which may be the computer-readable storage medium included in the apparatus of the above-described embodiment; or it may be a separate computer readable storage medium not incorporated into the device. The computer readable storage medium stores one or more programs for use by one or more processors in performing the methods described in the present application.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present application may be implemented by software or hardware. The described units or modules may also be provided in a processor, for example, each unit may be a software program provided in a computer or a mobile intelligent device, or may be a separately configured hardware device. Wherein the designation of a unit or module does not in some way constitute a limitation of the unit or module itself.
The above description is only a preferred embodiment of the application and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the invention herein disclosed is not limited to the particular combination of features described above, but also encompasses other arrangements formed by any combination of the above features or their equivalents without departing from the spirit of the present application. For example, the above features may be replaced with (but not limited to) features having similar functions disclosed in the present application.

Claims (14)

1. A block chain rollback insurance method is applicable to a user side, and comprises the following steps:
acquiring a premium payment rule recorded in a insurance contract, and determining a first premium required to be paid for transferring a first amount of money according to the premium payment rule;
generating a first transfer transaction and sending the first transfer transaction to a block chain network, so that a block chain node executes the first transfer transaction through the insurance contract, stores the first insurance fee paid by a current user into the insurance contract, and transfers the first amount paid by the current user to a second user;
wherein the insurance contract is further used for executing a first benefits request transaction, verifying whether the transfer transaction submitted by the first benefits request transaction is legal, a rollback transaction, a transfer transaction for paying a premium, and whether the benefits request of the first benefits request transaction is legal: if yes, issuing the claim payment terms to the contract account of the second user according to the pre-configured claim payment rules; the first claim payment request transaction is generated by the user side of the second user according to the first reconveying transaction after the block to which the first reconveying transaction belongs is rolled back.
2. The method of claim 1, wherein the insurance contract is further configured to record user information for verifying whether the request for reimbursement is legitimate, at least one of:
the total number of claim requests of the user, the total number of claim requests of the user in the first period, the total number of claim issuance of the user in the first period, the total amount of claim issuance of the user, and the total amount of claim issuance of the user in the first period.
3. A block chain rollback insurance method is applicable to a user side, and comprises the following steps:
after the block to which the first transfer transaction belongs is rolled back, generating a first claim payment request transaction according to the first transfer transaction and sending the first claim payment request transaction to a block chain network, so that block chain nodes execute the first claim payment request transaction through the insurance contract, verify whether the first transfer transaction is legal and is a rolled back transaction, whether a transfer transaction for paying a premium is carried out, and whether a claim payment request of the first claim payment request transaction is legal: if yes, issuing a claim payment term to a contract account of the current user according to a pre-configured claim payment rule;
the first transfer transaction is generated and sent to a block chain network after a user side of a first user responds to transfer of a first amount to a current user, first payment required to be paid for the first amount is determined to be transferred according to a payment rule of the insurance fee recorded in an insurance contract, block chain nodes are executed through the insurance contract, the first payment paid by the first user is stored in the insurance contract, and the first amount paid by the first user is transferred to the current user.
4. The method of claim 3, wherein the insurance contract is further configured to record user information for verifying whether the request for reimbursement is legitimate, at least one of:
the total number of claim requests of the user, the total number of claim requests of the user in the first period, the total number of claim issuance of the user in the first period, the total amount of claim issuance of the user, and the total amount of claim issuance of the user in the first period.
5. A blockchain rollback insurance method, wherein the method is applied to a blockchain node, and wherein the method comprises:
executing a first transfer transaction through an insurance contract, storing a first payment paid by a first user into the insurance contract, and transferring a first amount paid by the first user to a second user; the first transfer transaction is generated by the user side of the first user responding to the transfer of the first amount to the second user, and after the first payment required for the transfer of the first amount is determined according to the payment rule of the insurance fee recorded in the insurance contract;
executing a first claim request transaction through the insurance contract, verifying whether a transfer transaction submitted by the first claim request transaction is a legitimate rollback transaction, a transfer transaction that is paying a premium, and whether a claim request for the first claim request transaction is a legitimate one: if yes, issuing the claim payment terms to the contract account of the second user according to the pre-configured claim payment rules; and the first claim payment request transaction is generated by the user side of the second user according to the first transfer transaction after the block to which the first transfer transaction belongs rolls back.
6. The method of claim 5, wherein the insurance contract is further configured to record user information for verifying whether the request for reimbursement is legitimate, at least one of:
the total number of claim requests of the user, the total number of claim requests of the user in the first period, the total number of claim issuance of the user in the first period, the total amount of claim issuance of the user, and the total amount of claim issuance of the user in the first period.
7. A block chain rollback insurance method is characterized in that a plurality of evidence storage nodes storing rolled back blocks are configured in a block chain network, and the method is suitable for a user side and comprises the following steps:
acquiring a premium payment rule recorded in the insurance contract, and determining a second premium required to be paid for transferring a second amount of money according to the premium payment rule;
generating a second transfer transaction and sending the second transfer transaction to at least one deposit node so as to execute the second transfer transaction through the insurance contract, store the second insurance fee paid by the current user into the insurance contract and transfer the second amount paid by the current user to a fourth user;
wherein the insurance contract is further used for executing a second benefits request transaction, verifying whether the transfer transaction submitted by the second benefits request transaction is legal, a rollback transaction, a transfer transaction for paying a premium, and whether the benefits request of the second benefits request transaction is legal: if so, recording the claim payment request to a block chain for an insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes: if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to a block chain network, so that block chain nodes execute the confirmation transaction through the insurance contract and issue a claim payment item to a contract account of the fourth user according to a pre-configured claim payment rule; and the second claim payment request transaction is generated by the user side of the fourth user according to the second transfer transaction after rolling back in the block to which the second transfer transaction belongs.
8. The method of claim 7, wherein the insurance operator terminal is further configured to generate an attestation transaction and send the attestation transaction to a blockchain network when the verification fails;
and the insurance contract is also used for executing the proof transaction and recording the proof information of the second transfer transaction, which is not recorded in the rollback block stored in each proof node, to the block chain.
9. A block chain rollback insurance method is characterized in that a plurality of evidence storage nodes storing rolled back blocks are configured in a block chain network, and the method is suitable for a user side and comprises the following steps:
after the block to which the second transfer transaction belongs rolls back, generating a second reimbursement request transaction according to the second transfer transaction and sending the second reimbursement request transaction to a block chain network, so that block chain nodes execute the second reimbursement request transaction through the insurance contract, verify whether the second transfer transaction is legal and is a rollback transaction, and verify whether the second transfer transaction is a transfer transaction for paying a premium, and whether the reimbursement request of the second reimbursement request transaction is legal:
if so, recording the claim payment request to a block chain for an insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes:
if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network, so that the block chain nodes execute the confirmation transaction through the insurance contract and issue the claim payment items to the contract account of the current user according to the pre-configured claim payment rules;
and the second transfer transaction is generated and sent to at least one evidence storage node after a user side of a third user responds to transfer of a second amount to the current user, a second premium required to be paid by the second amount is determined to be transferred according to a premium payment rule recorded in the insurance contract, the second premium paid by the third user is stored in the insurance contract through execution of the insurance contract, and the second amount paid by the third user is transferred to the current user.
10. The method of claim 9, wherein the insurance operator terminal is further configured to generate an attestation transaction and send the attestation transaction to a blockchain network when the verification fails;
and the insurance contract is also used for executing the proof transaction and recording the proof information of the second transfer transaction, which is not recorded in the rollback block stored in each proof node, to the block chain.
11. A block chain rollback insurance method is characterized in that a plurality of evidence storage nodes storing rolled back blocks are configured in a block chain network, and the method is suitable for the block chain nodes and comprises the following steps:
executing a second transfer transaction through the insurance contract, storing a second insurance fee paid by a third user into the insurance contract, and transferring a second amount paid by the third user to a fourth user; the user side of the third user responds to the transfer of the second amount to the fourth user, and the second transfer transaction is generated and sent to at least one deposit evidence node after the second premium required to be paid by the second amount is determined to be transferred according to the premium payment rule recorded in the insurance contract;
executing a second claim request transaction through the insurance contract, verifying whether the transfer transaction submitted by the second claim request transaction is a legitimate rollback transaction, whether the transfer transaction is a premium payment transaction, and whether a claim request for the second claim request transaction is a legitimate:
if so, recording the claim payment request to a block chain for an insurance operation terminal to verify the second transfer transaction according to the rolled back blocks stored by the evidence storage nodes:
if the verification is passed, generating a confirmation transaction and sending the confirmation transaction to the block chain network;
executing the confirmation transaction through the insurance contract, and issuing a payout term to a contract account of the fourth user according to a pre-configured payout rule; and the second claim payment request transaction is generated by the user side of the fourth user according to the second transfer transaction after rolling back in the block to which the second transfer transaction belongs.
12. The method of claim 11, wherein the insurance operator terminal is further configured to generate an attestation transaction and send the attestation transaction to a blockchain network when the verification fails;
and the insurance contract is also used for executing the proof transaction and recording the proof information of the second transfer transaction, which is not recorded in the rollback block stored in each proof node, to the block chain.
13. An apparatus, characterized in that the apparatus comprises:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method recited in any of claims 1-12.
14. A storage medium storing a computer program, characterized in that the program, when executed by a processor, implements the method according to any one of claims 1-12.
CN202010271373.8A 2020-04-08 2020-04-08 Block chain rollback insurance method, equipment and storage medium Pending CN111476671A (en)

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