CN111784525A

CN111784525A - Method, device and system for processing insurance claim settlement request based on multi-party security calculation

Info

Publication number: CN111784525A
Application number: CN202010662097.8A
Authority: CN
Inventors: 冀祖峰; 韩冬; 胡越
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Ant Shengxin (Shanghai) Information Technology Co.,Ltd.
Priority date: 2020-07-10
Filing date: 2020-07-10
Publication date: 2020-10-16

Abstract

The invention discloses an insurance claim settlement request processing method, device and system based on multi-party security calculation, wherein the method comprises the following steps: after receiving an insurance claim settlement request, the insurance service platform generates a claim settlement task aiming at the insurance claim settlement request based on a preset claim settlement rule and sends the claim settlement task to a scheduling node in multi-party security calculation; the scheduling node decomposes the claim checking task into a plurality of subtasks based on a preset decomposition rule, and distributes the plurality of subtasks to at least one participant of at least one external mechanism comprising an insurance service platform, so that the at least one participant respectively processes the plurality of subtasks by adopting local related data, and feeds back the processing results of the plurality of subtasks to the scheduling node; the scheduling node collects the processing results of the subtasks, and the processing results of the claims checking tasks are obtained and fed back to the insurance service platform; and the insurance service platform processes the insurance claim settlement request based on the processing result of the claim checking task.

Description

Method, device and system for processing insurance claim settlement request based on multi-party security calculation

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method, an apparatus, and a system for processing an insurance claim settlement request based on multi-party security computation.

Background

In addition to the relevant materials submitted by the user at the time of filing, external industry data also plays a vital role in the processing of insurance claim settlement requests. For example, insurance companies often need to refer to data such as medical records and social security records of insurance applicants when processing requests for commercial medical insurance claims.

However, external industry data is often scattered in a plurality of organizations and belongs to private data, and insurance companies cannot freely use the data, so that the insurance companies cannot timely and smoothly complete processing of claim settlement requests.

Disclosure of Invention

The embodiment of the application provides an insurance claim settlement request processing method, device and system based on multi-party security calculation, and aims to solve the problem that an insurance company cannot freely use external industry data to smoothly complete claim settlement request processing.

In order to solve the above technical problem, the embodiment of the present application is implemented as follows:

in a first aspect, a method for processing an insurance claim settlement request based on multi-party security computation is provided, which includes:

after receiving an insurance claim settlement request, an insurance service platform generates a claim settlement task aiming at the insurance claim settlement request based on a preset claim settlement rule and sends the claim settlement task to a scheduling node in multi-party security calculation;

the scheduling node decomposes the claims task into a plurality of subtasks based on preset decomposition rules, determines at least one participant who processes the plurality of subtasks based on data required for processing the plurality of subtasks, and distributes the plurality of subtasks to the at least one participant, wherein the at least one participant comprises at least one external mechanism of the insurance service platform;

the at least one participant processes the plurality of subtasks by adopting local related data and feeds back processing results of the plurality of subtasks to the scheduling node;

the scheduling node collects the processing results of the subtasks to obtain the processing results of the claims checking tasks and feeds the processing results back to the insurance service platform;

and the insurance service platform processes the insurance claim settlement request based on the processing result of the claim checking task.

In a second aspect, a method for processing an insurance claim settlement request based on multi-party security computation is provided, which is applied to an insurance service platform, and includes:

after receiving an insurance claim request, generating a claim checking task aiming at the insurance claim request based on a preset claim checking rule;

sending the claims checking task to a scheduling node in multi-party security computing, wherein the scheduling node is configured to decompose the claims checking task into a plurality of subtasks based on a preset decomposition rule, determine at least one participant who processes the plurality of subtasks based on data required for processing the plurality of subtasks, and distribute the plurality of subtasks to the at least one participant, so that the at least one participant processes the plurality of subtasks by using local related data, and feeds back processing results of the plurality of subtasks to the scheduling node, and the at least one participant includes at least one external mechanism of the insurance service platform; the scheduling node is further configured to summarize processing results of the plurality of subtasks, obtain a processing result of the claim checking task, and feed the processing result back to the insurance service platform;

and processing the insurance claim settlement request based on the processing result of the claim checking task.

In a third aspect, a method for processing an insurance claim settlement request based on multi-party security computation is provided, which is applied to a scheduling node in the multi-party security computation, and includes:

the method comprises the steps that a claim checking task is divided into a plurality of subtasks based on preset division rules, wherein the claim checking task is generated and sent based on the preset claim checking rules after an insurance service platform receives an insurance claim settlement request;

determining at least one participant for processing the plurality of subtasks based on data required for processing the plurality of subtasks, and distributing the plurality of subtasks to the at least one participant, so that the at least one participant processes the plurality of subtasks by using local related data, and feeds back processing results of the plurality of subtasks to the scheduling node, wherein the at least one participant comprises at least one external mechanism of the insurance service platform;

and summarizing the processing results of the plurality of subtasks to obtain the processing result of the claim checking task and feeding the processing result back to the insurance service platform, so that the insurance service platform processes the insurance claim checking request based on the processing result of the claim checking task.

In a fourth aspect, a method for processing an insurance claim settlement request based on multi-party security computation is provided, which is applied to a participant in the multi-party security computation, and includes:

receiving a target subtask, wherein the target subtask is one of a plurality of subtasks obtained by a scheduling node in multi-party security computing by decomposing a claim checking task based on a preset rule, the claim checking task is generated by an insurance service platform based on the preset claim checking rule after receiving an insurance claim checking request and is sent to the scheduling node, and a participant is determined by the scheduling node based on data required for processing the target subtask and comprises at least one external mechanism of the insurance service platform;

and feeding back the processing result of the target subtask to the scheduling node, so that the scheduling node collects the processing results of the plurality of subtasks to obtain the processing result of the claim checking task and feeds the processing result back to the insurance service platform, and further the insurance service platform processes the insurance claim settlement request based on the processing result of the claim checking task.

In a fifth aspect, there is provided an insurance claim settlement request processing system based on multi-party security computing, comprising: an insurance service platform, a scheduling node in multi-party security computation and at least one participant, wherein,

after receiving an insurance claim settlement request, the insurance service platform generates a claim settlement task aiming at the insurance claim settlement request based on a preset claim settlement rule and sends the claim settlement task to a scheduling node in multi-party security calculation;

the scheduling node is used for decomposing the claims task into a plurality of subtasks based on a preset decomposition rule, determining at least one participant for processing the plurality of subtasks based on data required for processing the plurality of subtasks, and distributing the plurality of subtasks to the at least one participant, wherein the at least one participant comprises at least one external mechanism of the insurance service platform;

the participator processes the target subtask allocated to the participator by adopting local related data, and feeds back the processing result of the target subtask to the scheduling node, so that the scheduling node collects the processing results of the subtasks to obtain the processing result of the claim checking task and feeds back the processing result to the insurance service platform, and then the insurance service platform processes the insurance claim checking request based on the processing result of the claim checking task, wherein the target subtask is one of the subtasks.

In a sixth aspect, an insurance claim settlement request processing apparatus based on multi-party security computation is provided, which is applied to an insurance service platform, and includes:

the claim settlement request receiving module is used for generating a claim settlement task aiming at the insurance claim settlement request based on a preset claim settlement rule after receiving the insurance claim settlement request;

a claims task transmission module, configured to transmit the claims task to a scheduling node in multi-party security computing, where the scheduling node is configured to decompose the claims task into a plurality of subtasks based on a preset decomposition rule, determine at least one participant who processes the plurality of subtasks based on data required to process the plurality of subtasks, and allocate the plurality of subtasks to the at least one participant, so that the at least one participant processes the plurality of subtasks using local related data, and feed back a processing result of the plurality of subtasks to the scheduling node, where the at least one participant includes at least one external entity of the insurance service platform; the scheduling node is further configured to summarize processing results of the plurality of subtasks, obtain a processing result of the claim checking task, and feed the processing result back to the insurance service platform;

and the claim settlement request processing module is used for processing the insurance claim settlement request based on the processing result of the claim settlement task.

In a seventh aspect, an insurance claim settlement request processing apparatus based on multi-party security computation is provided, which is applied to a scheduling node in multi-party security computation, and includes:

the task decomposition module is used for decomposing the claim checking task into a plurality of subtasks based on preset decomposition rules, wherein the claim checking task is generated and sent based on the preset claim checking rules after the insurance service platform receives the insurance claim checking request;

the subtask sending module is used for determining at least one participant for processing the plurality of subtasks based on data required by processing the plurality of subtasks, and distributing the plurality of subtasks to the at least one participant, so that the at least one participant processes the plurality of subtasks by adopting local related data, and feeds back processing results of the plurality of subtasks to the scheduling node, wherein the at least one participant comprises at least one external mechanism of the insurance service platform;

and the result summarizing module summarizes the processing results of the plurality of subtasks to obtain the processing results of the claim checking tasks and feeds the processing results back to the insurance service platform, so that the insurance service platform processes the insurance claim settlement request based on the processing results of the claim checking tasks.

In an eighth aspect, an insurance claim settlement request processing apparatus based on multi-party security computing is provided, which is applied to a participant in the multi-party security computing, and includes:

the system comprises a subtask receiving module, a task scheduling module and a task scheduling module, wherein the subtask receiving module receives a target subtask, the target subtask is one of a plurality of subtasks obtained by a scheduling node in multi-party security computing decomposing a claim checking task based on a preset rule, the claim checking task is generated by an insurance service platform based on the preset claim checking rule after receiving an insurance claim checking request and is sent to the scheduling node, a participant is determined by the scheduling node based on data required for processing the target subtask, and the participant comprises at least one external mechanism of the insurance service platform;

the subtask processing module is used for processing the target subtask by adopting local related data;

and the result feedback module feeds back the processing result of the target subtask to the scheduling node so that the scheduling node can summarize the processing results of the plurality of subtasks to obtain the processing result of the claim checking task and feed back the processing result to the insurance service platform, and then the insurance service platform can process the insurance claim settlement request based on the processing result of the claim checking task.

In a ninth aspect, an electronic device is provided, comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

In a tenth aspect, a computer-readable storage medium is presented, storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:

In an eleventh aspect, an electronic device is provided, including:

a processor; and

In a twelfth aspect, a computer-readable storage medium is presented, the computer-readable storage medium storing one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:

In a thirteenth aspect, an electronic device is provided, including:

a processor; and

In a fourteenth aspect, a computer-readable storage medium is presented, the computer-readable storage medium storing one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:

According to the scheme provided by the embodiment of the specification, after an insurance service platform receives an insurance claim settlement request, a claim settlement task for the insurance claim settlement request is generated based on a preset claim settlement rule and is sent to a scheduling node in multi-party security computing, so that the scheduling node decomposes the claim settlement task into a plurality of subtasks and distributes the subtasks to at least one participant based on the preset decomposition rule, wherein the at least one participant comprises at least one external mechanism of the insurance service platform; and then, processing the plurality of subtasks by using local related data by at least one participant to obtain a processing result and feeding the processing result back to the scheduling node, and summarizing the processing results of the plurality of subtasks by the scheduling node to obtain a processing result of the claim checking task and feeding the processing result back to the insurance service platform, so that the insurance service platform processes the insurance claim settlement request according to the processing result of the claim checking task. By the multi-party security computing framework, on the premise of ensuring that local data of each participant (including at least one external mechanism of the insurance service platform) is not leaked, the insurance claim settlement request is processed by using related data of the at least one external mechanism, so that the problem that an insurance company cannot freely use external industry data to smoothly complete the claim settlement request processing can be solved.

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 structural diagram of an insurance claim settlement request processing system based on multi-party security calculation according to an embodiment of the present specification.

Fig. 2 is a flowchart illustrating a method for processing an insurance claim settlement request based on multi-party security calculation according to an embodiment of the present disclosure.

Fig. 3 is a schematic diagram of an interaction process of an insurance claim settlement request processing method based on multi-party security calculation according to an embodiment of the present disclosure.

Fig. 4 is a flowchart illustrating a method for processing an insurance claim settlement request based on multi-party security calculation according to an embodiment of the present disclosure.

Fig. 5 is a flowchart illustrating a method for processing an insurance claim settlement request based on multi-party security calculation according to another embodiment of the present disclosure.

Fig. 6 is a flowchart illustrating a method for processing an insurance claim settlement request based on multi-party security calculation according to another embodiment of the present disclosure.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification.

Fig. 8 is a schematic structural diagram of an insurance claim settlement request processing apparatus based on multi-party security calculation according to an embodiment of the present specification.

Fig. 9 is a schematic structural diagram of an insurance claim settlement request processing apparatus based on multi-party security calculation according to another embodiment of the present specification.

Fig. 10 is a schematic structural diagram of an insurance claim settlement request processing apparatus based on multi-party security calculation according to another embodiment of the present specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application 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, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

In order to solve the problem that an insurance company cannot freely use external industry data to smoothly complete claim request processing in the related art, the specification provides an insurance claim request processing method, device and system based on multi-party security calculation. The method, the device and the system provided by the specification can realize the fusion of multi-party data under the condition of ensuring the data security and privacy, and can quickly process insurance claim settlement requests.

In order to more clearly understand the solution provided by the present specification, an insurance claim settlement request processing system based on multi-party security computing according to an embodiment of the present specification will be described with reference to fig. 1.

As shown in fig. 1, one embodiment of the present specification provides an insurance claim settlement request processing system based on multi-party security computing, including: an insurance service platform 11 and a joint analysis platform 12 based on multi-party security computing (MPC), wherein the insurance service platform 11 may be, but is not limited to, a health insurance (fully called health insurance) service platform, the insurance claim settlement request received by the insurance service platform 11 may include, but is not limited to, a health insurance claim settlement request, and when the insurance service platform 11 is a health insurance service platform, it may specifically be a service platform of any insurance company that can process (including purchasing, claim settlement, etc.) health insurance, and the related health insurance may include, but is not limited to, medical expense insurance, major illness insurance, disability income loss insurance, nursing insurance, and the like; the joint analysis platform 12 includes a scheduling node (also referred to as a joint analysis scheduling center) 121 and at least one participant 122 in multi-party security computation, and each participant 122 has its own private data, such as the participants 1 to 4 in fig. 1, which are sequentially mapped with data a, data B, data C, and data D.

The insurance company may be a company that specializes in insurance products, or may be a company that has a combination of insurance products. In practical applications, the scheduling node may be a computing node provided by an organization where the insurance service platform is located, may also be a computing node provided by other parties, and may also be a computing node provided by a third-party organization other than the two.

As shown in fig. 1, in a specific example, if the insurance service platform 11 is a health insurance service platform and the insurance claim settlement request is a health insurance claim settlement request, the at least one participant (participant 1 to participant 4) may be: the insurance companies, such as commercial insurance company, medical insurance company (e.g., social insurance company), medical institution, and third commercial insurance company, where the insurance business platform 11 is located, wherein the third commercial insurance company is an insurance company other than the insurance company where the insurance business platform 11 is located. That is, in the embodiments of the present description, if the insurance service platform 11 is a health insurance service platform and the insurance claim settlement request is a health insurance claim settlement request, the insurance institution where the insurance service platform 11 is located is an insurance company, and the at least one external institution of the insurance service platform 11 includes one or more of a medical insurance institution, at least one medical institution, and at least one third commercial insurance institution, which is an insurance institution other than the insurance institution where the insurance service platform is located.

In fig. 1, after receiving an insurance claim settlement request, an insurance service platform 11 generates a claim settlement task for the insurance claim settlement request based on a preset claim settlement rule and sends the claim settlement task to a scheduling node 121 in multi-party security computation; the scheduling node 121, which decomposes the claims task into a plurality of subtasks based on a preset decomposition rule, determines at least one participant who processes the plurality of subtasks based on data required for processing the plurality of subtasks, and allocates the plurality of subtasks to the at least one participant, wherein the at least one participant includes at least one external mechanism of the insurance service platform; the participating party 122 processes the target subtask (one of the plurality of subtasks) allocated to itself by using local related data, and feeds back the processing result of the target subtask to the scheduling node 121, so that the scheduling node 121 summarizes the processing results of the plurality of subtasks to obtain the processing result of the claim checking task and feeds back the processing result to the insurance service platform 11, and further, the insurance service platform 11 processes the insurance claim settlement request based on the processing result of the claim checking task.

In the insurance claim request processing system based on multi-party security computing provided in the embodiment of the present specification, because the framework of multi-scheme security computing can ensure that the insurance claim request is processed by using the related data of at least one external organization of the insurance company under the condition that the private data of each participant (including at least one external organization of the insurance service platform) is out of the domain, or under the condition that the private data of each participant is not leaked, the problem that the insurance company cannot freely use the external industry data to smoothly complete the claim request processing can be solved, so that the insurance service platform of the insurance company can timely and quickly process the insurance claim request.

The details of the functions to be implemented by the insurance service platform 11, the scheduling node in the joint analysis platform 12, and each participant in the system are described in detail in the following method embodiments, which are described here for brevity and in the following. It should be noted that, for convenience of description, in the following embodiments, the insurance claim request is described as an example of a health insurance claim request.

Based on the system provided in fig. 1, as shown in fig. 2, another embodiment of the present specification provides an insurance claim settlement request processing method based on multi-party security computing, which may include:

step 202, after receiving an insurance claim settlement request, the insurance service platform generates a claim settlement task for the insurance claim settlement request based on a preset claim settlement rule and sends the claim settlement task to a scheduling node in the multi-party security computation.

The insurance claim settlement request can be a case application request submitted by a user on an insurance service platform, and when the user submits the case application request, the user can also submit relevant certification materials, such as identity certification, disease diagnosis certification and the like, and the relevant certification materials are used for assisting the insurance service platform in processing the insurance claim settlement request.

The insurance business platform can preset an claim check rule engine, and the preset claim check rules are solidified in the rule engine, so that when the insurance business platform receives an insurance claim check request, the claim check rule engine can be called to automatically generate a claim check task. Specifically, the claim checking task may be abstracted as a set of a plurality of preset claim checking rules, one preset claim checking rule may be represented by a set of Structured Query Language (SQL), and a plurality of SOL representing the plurality of preset claim checking rules corresponding to the claim checking task is sent to a scheduling node in the multiparty security computation, that is, the purpose of sending the claim checking task to the scheduling node is achieved.

The preset claim check rule can be flexibly set according to actual claim check requirements, generally speaking, different claim check rules can be set for different insurance products, for example, for a certain health insurance product, the following claim check rules can be set: determining the relation between the historical hospitalizing record of the reporting user and the insurance time and reporting time of the user; determining whether the disease in the medical record of the reporting user corresponds to the diagnosed disease in the diagnosis certificate; thirdly, determining whether the credit level of the reporting user is higher than a preset level; determining the medical insurance reimbursement amount of the reporting user; determining whether the user has paid in other business insurance companies, and determining the total amount of the paid if the user has paid. Accordingly, after receiving the insurance claim request, the insurance service platform may first confirm the insurance product for which the insurance claim request is directed, and then determine the corresponding claim verification rule according to the insurance product.

Optionally, after the insurance service platform receives the insurance claim settlement request, before generating a claim settlement task for the insurance claim settlement request based on a preset claim settlement rule and sending the claim settlement task to the scheduling node in the multi-party security computation, the method shown in fig. 2 may further include: determining target data required to process the insurance claim request, wherein the target data comprises data stored at the at least one external institution; confirming whether relevant data in the target data is available to the at least one external mechanism; if yes, then executing a claim checking task which is generated based on a preset claim checking rule and aims at the insurance claim checking request, and sending the claim checking task to a scheduling node in the multi-party security calculation; if not, the flow ends.

It can be understood that after receiving an insurance claim settlement request, the insurance service platform confirms whether relevant data is available to at least one external organization before generating a claim settlement task for the insurance claim settlement request based on preset claim settlement rules and sending the claim settlement task to a scheduling node in the multi-party security computation, and if so, executes subsequent steps to ensure successful execution of the subsequent steps.

Step 204, the scheduling node decomposes the claims task into a plurality of subtasks based on a preset decomposition rule, determines at least one participant for processing the plurality of subtasks based on data required for processing the plurality of subtasks, and distributes the plurality of subtasks to the at least one participant, wherein the at least one participant comprises at least one external mechanism of the insurance service platform.

Optionally, the at least one participant may further comprise an insurance agency where the insurance service platform is located. That is, the participant who processes the multiple subtasks corresponding to the claim checking task further includes data of the organization where the insurance service platform is located, for example, data of historical claim settlement records, insurance application time, insurance period, and the like.

If the claim check task is represented by the SOL corresponding to the preset claim check rules, the scheduling node may encode the SQL, and then decompose the claim check task according to a decomposition rule corresponding to the SQL and encoded as a subtask to obtain a plurality of subtasks, or decompose the claim check task according to other decomposition rules, which is not limited in this embodiment of the present specification. After the plurality of subtasks are obtained through decomposition, the scheduling node may determine data required for processing the plurality of subtasks, respectively, then determine at least one participant for processing the plurality of subtasks according to the data required for processing the plurality of subtasks, and allocate the plurality of subtasks to the at least one participant.

For example, assuming that the plurality of subtasks includes subtask 1, subtask 2, and subtask 3, and it is determined that the participant who processes subtask 1 includes participant 1 and participant 2, the participant who processes subtask 2 includes participant 2, and the participant who processes subtask 3 includes participant 3, based on the data required to process the three subtasks, subtask 1 is assigned to participant 1 and participant 2, subtask 2 is assigned to participant 2, and subtask 3 is assigned to participant 3. As can be seen from these examples, one subtask may be processed by one participant or by a plurality of participants, and specifically, if the subtask 2 is "determine the medical insurance reimbursement amount of the reporting user", it may be determined that the subtask is processed by one participant of the medical insurance institution; assuming that the subtask 1 is "determine the total amount of claims paid by the filing user at other business insurance companies" and the number of other business insurance companies covered by the insurance user exceeds two, it can be determined that the subtask is processed by a plurality of participants.

As described above, if the insurance service platform is a health insurance service platform and the insurance claim settlement request is a health insurance claim settlement request, the insurance institution where the insurance service platform is located is an insurance company, and the at least one external institution of the insurance service platform includes one or more of a medical insurance institution, at least one medical institution and at least one third commercial insurance institution, and the third commercial insurance institution is an insurance institution other than the insurance institution where the insurance service platform is located.

And step 206, the at least one participant processes the plurality of subtasks by using local related data, and feeds back processing results of the plurality of subtasks to the scheduling node.

As a specific example, after receiving the query request for confirming whether the relevant data is provided, and in the case that it is determined that the relevant data is provided, each of the at least one participant transmits the local relevant data to the joint analysis agent representing the participant, and causes the joint analysis agent to store the local relevant data into the temporary data table for use in processing the subtasks allocated to the joint analysis agent. Correspondingly, when processing and distributing the related subtasks of the joint analysis node, the joint analysis node of at least one participant reads the local related data from the corresponding temporary data table to process the distributed corresponding subtasks.

Of course, the at least one participant may not store the local related data in the temporary data table, but read directly from the original database of the participant when the related data is needed.

In addition, in an example, if there is one participant who processes the target subtask, that is, if there is one participant who processes the target subtask, the participant may directly use the local related data to process the target subtask, and feed back the processing result of the target subtask to the scheduling node.

In another example, if there are multiple participants processing the target subtask, that is, the data required for processing the target subtask is provided to multiple participants, the multiple participants use local related data and interact based on a multi-party secure computing protocol, cooperatively complete the processing of the target subtask, and feed back the processing result of the target subtask to the scheduling node. Specifically, the multiple parties respectively perform obfuscation encryption on data required to be used for processing the target subtask, and then complete cooperative computing through mutual interaction according to a multi-party secure computing protocol without revealing respective data. Wherein, the multi-party secure computing protocol includes but is not limited to one of the following protocols: garbled circuits, homomorphic encryption, key sharing, and the like.

The target sub-task in both of the above examples may be any one of the above sub-tasks.

And step 208, the scheduling node collects the processing results of the subtasks to obtain the processing results of the claims checking task and feeds the processing results back to the insurance service platform.

As an example, the scheduling node may directly group the received processing results of the plurality of subtasks together as the processing result of the claim checking task, and send the processing result to the insurance service platform; or after some processing (such as merging, simplification, and the like) is performed on the received processing results of the multiple subtasks, the processing results are sent to an insurance service platform as the processing results of the claim checking tasks.

Optionally, in step 206, the at least one participant may encrypt the processing result of the corresponding sub-task processed by the at least one participant and feed the encrypted processing result back to the scheduling node, and correspondingly, in step 208, the scheduling node decrypts the processing result of the plurality of sub-tasks and collects the decrypted processing result, so as to prevent illegal molecules from stealing the processing result and reversely pushing out the private data of each participant by using reverse engineering, thereby further improving the security of the private data of each participant. Of course, if the scheduling node only aggregates the processing results of the plurality of subtasks and then sends the aggregated processing results to the insurance service platform, the received encrypted processing results of the plurality of subtasks may be directly sent to the insurance service platform without decryption, and the encrypted processing results are decrypted by the insurance service platform.

And step 210, the insurance service platform processes the insurance claim settlement request based on the processing result of the claim checking task.

Specifically, the insurance service platform determines the processing result of the insurance claim settlement request based on the processing result of the claim settlement task and feeds the processing result back to the user, wherein the processing result of the insurance claim settlement request comprises one of the following results: no payment, no proposal and payment are made. For example, when the processing result of the claim checking task includes that the report time has exceeded the valid report period, the processing result of the insurance claim settlement request can be determined as no proposal or no claim.

Optionally, after step 210, the method shown in fig. 2 may further include, in order to improve the user experience: when the processing result of the insurance claim settlement request includes no claim, feeding back a reason for no claim to the user based on the processing results of the plurality of subtasks; or, when the processing result of the insurance claim settlement request includes no proposal, the reason for no proposal is fed back to the user based on the processing results of the plurality of subtasks. For example, the user is informed that the time for filing has exceeded the effective filing period, that the filed disease is inconsistent with the disease proven by the diagnosis, and the like, resulting in non-filing or non-paying.

In the insurance claim request processing method based on multi-party security computing provided by this embodiment, after receiving an insurance claim request, an insurance service platform generates a claim checking task for the insurance claim request based on a preset claim checking rule and sends the claim checking task to a scheduling node in multi-party security computing, so that the scheduling node decomposes the claim checking task into a plurality of subtasks based on a preset decomposition rule and distributes the subtasks to at least one participant, where the at least one participant includes at least one external mechanism of the insurance service platform; and then, processing the plurality of subtasks by using local related data by at least one participant to obtain a processing result and feeding the processing result back to the scheduling node, and summarizing the processing results of the plurality of subtasks by the scheduling node to obtain a processing result of the claim checking task and feeding the processing result back to the insurance service platform, so that the insurance service platform processes the insurance claim settlement request according to the processing result of the claim checking task. By the multi-party security computing framework, on the premise of ensuring that local data of each participant (including at least one external mechanism of the insurance service platform) is not leaked, the insurance claim settlement request is processed by using the related data of the at least one external mechanism, so that the problem that an insurance company cannot freely use external industry data to smoothly complete claim settlement request processing can be solved, the insurance service platform of the insurance company can timely and quickly process the insurance claim settlement request, and the efficiency of the insurance company in processing the insurance claim settlement request is improved.

Fig. 3 is a schematic diagram illustrating a detailed interaction process of an insurance claim settlement request processing method based on multi-party security calculation according to an embodiment of the present disclosure, which is described below.

In a more detailed embodiment, as shown in fig. 3, the insurance claim settlement request processing method based on multi-party security calculation may include the following processes:

the insurance service platform 31 determines target data required for processing an insurance claim settlement request after receiving the insurance claim settlement request, and inquires of the external institution 32 whether the external institution has the relevant data if the target data includes the relevant data stored in at least one external institution.

The external agency 32, after confirming that there is relevant data itself, sends the local relevant data to the joint analysis agent 33 representing itself.

The joint analysis agent 33 stores the local related data of the external entity 32 into the local temporary data table 34 for use in processing the subtasks assigned to the external entity 33.

The insurance service platform 31 generates a claim check task for the insurance claim request based on preset claim check rules and sends the claim check task to the scheduling node 36 in the multi-party security calculation.

The scheduling node 36 decomposes the claim task into a plurality of subtasks based on a preset decomposition rule, and determines the participants for processing the plurality of subtasks based on the data required for processing the plurality of subtasks, in this embodiment, the participants include an insurance agency where the insurance service platform 31 is located and at least one external agency. Correspondingly, the joint analysis node 35 of the external mechanism 32 reads the relevant data stored in the local temporary data table 34 to process the subtasks allocated to the joint analysis node, and a processing result is obtained and fed back to the scheduling node 36; the joint analysis node 38 of the insurance agency where the insurance service platform 31 is located processes the subtasks allocated to itself by using the local related data 37, and feeds back the processing result to the scheduling node 36.

In this embodiment, the scheduling node 36 and the joint analysis node 38 belong to a computing node of an insurance agency where the insurance service platform 31 is located; the joint analysis agent 33 and the joint analysis node 35 belong to the computing nodes of the external organization 32 of the insurance service platform 31.

Sixthly, the dispatching node 36 collects the processing results of the plurality of subtasks to obtain the processing results of the claim checking tasks and feeds the processing results back to the insurance service platform 31.

According to the insurance claim request processing method based on multi-party security computing, through a multi-party security computing framework, on the premise that local data of an insurance company and local data of external mechanisms of the insurance company are not leaked, the insurance claim request is processed by using at least relevant data of the insurance company and the at least one external mechanism of the insurance company, so that the problem that the insurance company cannot freely use external industry data to smoothly complete claim request processing can be solved, an insurance service platform of the insurance company can timely and quickly process the insurance claim request, and the efficiency of the insurance company for processing the insurance claim request is improved.

Optionally, as shown in fig. 4, the present specification further provides an insurance claim settlement request processing method based on multi-party security calculation, which may be applied to the insurance service platform, and the method may include:

step 402, after receiving an insurance claim request, generating a claim checking task for the insurance claim request based on a preset claim checking rule.

Step 404, sending the claims task to a scheduling node in a multi-party security computation.

The scheduling node is configured to decompose the claims task into a plurality of subtasks based on a preset decomposition rule, determine at least one participant who processes the plurality of subtasks based on data required for processing the plurality of subtasks, and allocate the plurality of subtasks to the at least one participant, so that the at least one participant processes the plurality of subtasks using local related data, and feeds back processing results of the plurality of subtasks to the scheduling node, where the at least one participant includes at least one external entity of the insurance service platform; the scheduling node is further configured to summarize processing results of the plurality of subtasks, obtain a processing result of the claim checking task, and feed the processing result back to the insurance service platform;

and step 406, processing the insurance claim settlement request based on the processing result of the claim checking task returned by the scheduling node.

The method provided by the embodiment of the present disclosure can achieve the same technical effects as the embodiment shown in fig. 2, and is not described herein again.

Optionally, as shown in fig. 5, the present specification further provides an insurance claim settlement request processing method based on multi-party security computation, and the method may be applied to a scheduling node in the multi-party security computation, and the method may include:

step 502, decomposing a claim checking task into a plurality of subtasks based on preset decomposition rules, wherein the claim checking task is generated and sent by the insurance service platform based on the preset claim checking rules after receiving the insurance claim settlement request.

Step 504, determining at least one participant for processing the multiple subtasks based on the data required for processing the multiple subtasks, and allocating the multiple subtasks to the at least one participant, so that the at least one participant processes the multiple subtasks by using local related data, and feeding back the processing results of the multiple subtasks to the scheduling node.

Wherein the at least one participant comprises at least one external authority of the insurance service platform.

Step 506, summarizing the processing results of the plurality of subtasks to obtain the processing results of the claim checking tasks and feeding the processing results back to the insurance service platform, so that the insurance service platform processes the insurance claim checking request based on the processing results of the claim checking tasks.

Optionally, as shown in fig. 6, the present specification further provides an insurance claim settlement request processing method based on multi-party security computing, which may be applied to the participants in the multi-party security computing, and the method may include:

step 602, receiving a target subtask.

The target subtask is one of a plurality of subtasks obtained by a scheduling node in multi-party security computing decomposing a claim checking task based on a preset rule, the claim checking task is generated and sent to the scheduling node based on the preset claim checking rule after an insurance service platform receives an insurance claim settlement request, the participator is determined by the scheduling node based on data required for processing the target subtask, and the participator comprises at least one external mechanism of the insurance service platform.

And step 604, processing the target subtask by using local related data.

Step 606, feeding back the processing result of the target subtask to the scheduling node, so that the scheduling node summarizes the processing results of the plurality of subtasks, obtains the processing result of the claim checking task and feeds back the processing result to the insurance service platform, and further, the insurance service platform processes the insurance claim settlement request based on the processing result of the claim checking task.

In summary, the system and method for processing insurance claim settlement requests based on multi-party secure computing provided in this specification can ensure that the insurance claim settlement requests are processed by using the relevant data of at least one external organization of the insurance company under the condition that the private data of each participant (including at least one external organization of the insurance service platform) is out of the domain or the private data of each participant is not leaked through the framework of multi-party secure computing, so that the problem that the insurance company cannot freely use the external industry data to smoothly complete the claim settlement request processing can be solved, and the insurance service platform of the insurance company can timely and quickly process the insurance claim settlement requests.

The above is a description of the present specification providing an insurance claim settlement request processing system and method based on multi-party security computing, and the electronic device provided in the present specification is described below.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification. Referring to fig. 7, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (peripheral component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 7, but this does not indicate only one bus or one type of bus.

And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the insurance claim settlement processing device on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

Or, the processor executes the program stored in the memory, and is specifically configured to perform the following operations:

The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in one or more embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with one or more embodiments of the present disclosure may be embodied directly in hardware, in a software module executed by a hardware decoding processor, or in a combination of the hardware and software modules executed by a hardware decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

Of course, besides the software implementation, the electronic device in this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

The present specification embodiments also provide a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform a multiparty security computing-based insurance claim request processing method, and in particular to perform the following:

The following describes an insurance claim settlement request processing apparatus provided in the present specification.

As shown in fig. 8, an embodiment of the present specification provides an insurance claim settlement request processing apparatus 800 based on multi-party security calculation, which is applicable to an insurance service platform, and the apparatus 800 may include: a claim request receiving module 801, a claim task sending module 802 and a claim request processing module 803.

The claim settlement request receiving module 801, after receiving an insurance claim settlement request, generates a claim settlement task for the insurance claim settlement request based on a preset claim settlement rule.

A claim task sending module 802, configured to send the claim task to a scheduling node in multi-party security computing, where the scheduling node is configured to decompose the claim task into a plurality of sub-tasks based on a preset decomposition rule, determine at least one participant who processes the plurality of sub-tasks based on data required to process the plurality of sub-tasks, and distribute the plurality of sub-tasks to the at least one participant, so that the at least one participant processes the plurality of sub-tasks with locally related data, and feed back processing results of the plurality of sub-tasks to the scheduling node, where the at least one participant includes at least one external entity of the insurance service platform; the scheduling node is further configured to collect processing results of the plurality of subtasks, obtain a processing result of the claim checking task, and feed the processing result back to the insurance service platform.

The claim settlement request processing module 803 processes the insurance claim settlement request based on the processing result of the claim settlement task.

The apparatus shown in fig. 8 can implement the method for processing an insurance claim settlement request shown in fig. 4, and can achieve the same technical effects, and for details, reference is made to the above, and details are not repeated here.

As shown in fig. 9, an embodiment of the present specification provides an insurance claim settlement request processing apparatus 900 based on multi-party security computing, which is applicable to a scheduling node in multi-party security computing, and the apparatus 900 may include: a task decomposition module 901, a subtask sending module 902 and a result summarizing module 903.

The task decomposition module 901 decomposes a claim checking task into a plurality of subtasks based on preset decomposition rules, where the claim checking task is generated and sent by the insurance service platform based on the preset claim checking rules after receiving the insurance claim checking request.

A subtask sending module 902, configured to determine at least one participant who processes the multiple subtasks based on data required for processing the multiple subtasks, and allocate the multiple subtasks to the at least one participant, so that the at least one participant processes the multiple subtasks using local related data, and feeds back processing results of the multiple subtasks to the scheduling node, where the at least one participant includes at least one external entity of the insurance service platform.

The result summarizing module 903 summarizes the processing results of the plurality of subtasks to obtain the processing results of the claim checking tasks and feeds the processing results back to the insurance service platform, so that the insurance service platform processes the insurance claim settlement request based on the processing results of the claim checking tasks.

The apparatus shown in fig. 9 can implement the method for processing an insurance claim settlement request shown in fig. 5, and can achieve the same technical effects, and for details, reference is made to the above, and details are not repeated here.

As shown in fig. 10, an embodiment of the present specification provides an insurance claim settlement request processing apparatus 1000 based on multi-party security computing, which is applicable to participants in the multi-party security computing, and the apparatus 1000 may include: a subtask receiving module 1001, a subtask processing module 1002, and a result feedback module 1003.

The subtask receiving module 1001 receives a target subtask, where the target subtask is one of multiple subtasks obtained by a scheduling node in multi-party security computing by decomposing a claim checking task based on a preset rule, the claim checking task is generated by an insurance service platform after receiving an insurance claim settlement request based on the preset claim checking rule and is sent to the scheduling node, the participant is determined by the scheduling node based on data required for processing the target subtask, and the participant includes at least one external mechanism of the insurance service platform.

The subtask processing module 1002 is configured to process the target subtask by using local related data.

The result feedback module 1003 feeds back the processing result of the target subtask to the scheduling node, so that the scheduling node summarizes the processing results of the plurality of subtasks to obtain the processing result of the claim checking task and feeds back the processing result to the insurance service platform, and then the insurance service platform processes the insurance claim settlement request based on the processing result of the claim checking task.

The apparatus shown in fig. 10 can implement the method for processing an insurance claim settlement request shown in fig. 6, and can achieve the same technical effects, and for details, reference is made to the above, and details are not repeated here.

While certain embodiments of the present disclosure have been described above, other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of the present disclosure should be included in the scope of protection of one or more embodiments of the present disclosure.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

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, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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 embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Claims

1. An insurance claim settlement request processing method based on multi-party security calculation comprises the following steps:

2. The method according to claim 1, wherein after receiving an insurance claim request, the insurance service platform generates a claim task for the insurance claim request based on preset claim rules and sends the claim task to a scheduling node in the multi-party security computation, and the method further comprises:

determining target data required to process the insurance claim request, wherein the target data comprises data stored at the at least one external institution;

confirming whether relevant data in the target data is available to the at least one external mechanism;

and if so, executing the step of generating a claim check task aiming at the insurance claim request based on the preset claim check rule and sending the claim check task to a scheduling node in the multi-party security calculation.

3. The method of claim 1, further comprising, prior to the at least one participant processing the subtasks with locally relevant data:

the participant sends local relevant data to a joint analysis agent representing the participant and causes the joint analysis agent to store the local relevant data in a temporary data table;

wherein the at least one participant processes the subtasks using local related data, including:

and the joint analysis node of at least one participant reads local related data from the corresponding temporary data table to process the distributed corresponding subtasks.

4. The method of claim 1, wherein the at least one participant processes the plurality of subtasks using local related data and feeds back processing results of the plurality of subtasks to the scheduling node, comprising:

if one participant for processing the target subtask exists, the participant processes the target subtask by adopting local related data and feeds back a processing result of the target subtask to the scheduling node;

if the number of the participants processing the target subtask is multiple, the multiple participants adopt local related data and interact based on a multi-party safety computing protocol to complete the processing of the target subtask and feed back the processing result of the target subtask to the scheduling node;

wherein the target subtask is any one of the plurality of subtasks.

5. The method of claim 1, wherein the at least one participant feeding back processing results of the subtasks to the scheduling node comprises:

the at least one participant encrypts a processing result of the corresponding subtask processed by the participant and feeds the encrypted processing result back to the scheduling node;

the method for summarizing the processing results of the plurality of subtasks by the scheduling node comprises the following steps:

and the scheduling node decrypts the processing results of the plurality of subtasks and summarizes the processing results.

6. The method according to claim 1, wherein the insurance service platform processes the insurance claim settlement request based on the processing result of the claim settlement task, comprising:

the insurance service platform determines the processing result of the insurance claim settlement request based on the processing result of the claim settlement task and feeds the processing result back to the user, wherein the processing result of the insurance claim settlement request comprises one of the following results: no payment, no proposal and payment are made.

7. The method of claim 6, further comprising:

when the processing result of the insurance claim settlement request includes no claim, feeding back a reason for no claim to the user based on the processing results of the plurality of subtasks;

alternatively, the first and second electrodes may be,

when the processing result of the insurance claim settlement request includes no proposal, a reason for no proposal is fed back to the user based on the processing results of the plurality of subtasks.

8. The method of claim 1, wherein the first and second light sources are selected from the group consisting of,

the at least one participant further comprises an insurance agency where the insurance service platform is located.

9. The method according to any one of claims 1 to 8,

the insurance business platform is a health insurance business platform, the insurance claim settlement request is a health insurance claim settlement request, the insurance institution where the insurance business platform is located is an insurance company, the at least one external institution comprises one or more of a medical insurance institution, at least one medical institution and at least one third commercial insurance institution, and the third commercial insurance institution is an insurance institution except the insurance institution where the insurance business platform is located.

10. An insurance claim settlement request processing method based on multi-party security calculation is applied to an insurance service platform and comprises the following steps:

11. An insurance claim settlement request processing method based on multi-party security computing is applied to a scheduling node in the multi-party security computing and comprises the following steps:

12. An insurance claim settlement request processing method based on multi-party security computing is applied to participants in the multi-party security computing and comprises the following steps:

processing the target subtask by adopting local related data;

13. An insurance claim settlement request processing system based on multi-party security computing, comprising: an insurance service platform, a scheduling node in multi-party security computation and at least one participant, wherein,

14. An insurance claim settlement request processing device based on multi-party security calculation is applied to an insurance service platform and comprises:

15. An insurance claim settlement request processing device based on multi-party security computing, applied to a scheduling node in the multi-party security computing, comprising:

16. An insurance claim settlement request processing device based on multi-party security computing, applied to the participants in the multi-party security computing, comprising:

17. An electronic device, comprising:

a processor; and

18. A computer-readable storage medium having a computer program stored thereon, which when executed by a processor, performs the steps of:

19. An electronic device, comprising:

a processor; and

20. A computer-readable storage medium having a computer program stored thereon, which when executed by a processor, performs the steps of:

21. An electronic device, comprising:

a processor; and

22. A computer-readable storage medium having a computer program stored thereon, which when executed by a processor, performs the steps of: