CN111861761A - Block chain based insurance product distribution and automatic docking method, system and equipment - Google Patents
Block chain based insurance product distribution and automatic docking method, system and equipment Download PDFInfo
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Abstract
An insurance product distribution and automatic docking system based on a block chain comprises a user behavior private chain, an insurance product information co-building shared public chain, an insurance product configuration module and an insurance product distribution and online sale module; the insurance product distribution and automatic docking method, system and equipment based on the block chain solve the problems of convenience in checking, comparing and purchasing insurance products, can ensure authenticity and non-repudiation after purchase of the insurance products based on the block chain technology, can provide complete analysis data for insurance companies and intermediary organizations, and provide data support for the insurance organizations to improve the insurance products and perfect insurance services.
Description
Technical Field
The invention relates to the field of block chains, in particular to a block chain-based insurance product distribution and automatic docking method, system and equipment.
Background
The main channel for customers to know and purchase insurance products is to know and purchase through websites, public numbers and the like provided by various insurance companies or through agent recommendation introduction.
For an insurance company, a customer wants to know that the product of the company can only show corresponding information of the product on a company website, if the customer has a purchase intention, a simple product can be purchased through the company website, and a complex product still needs to be purchased through an agent.
The products which want to sell the contracted insurance company for the insurance agency are mainly sold by a way of recording the order through a line, and most of the products have no way of directly carrying out system docking. For an insurance company that can be docked, since the insurance company and the intermediary organization are in a many-to-many relationship, there are cases where docking and building are repeated.
For the user, each insurance company has a website and a public number, and the customer needs to select products and disperse information for a plurality of insurance companies. Under the trend that products are isomorphic before each insurance company, customers want to be more difficult than insurance products, and user experience is poor.
For an insurance company, after the development of the insurance product is completed, the insurance product needs to be put on the market, but due to the characteristics of low-frequency transaction of the insurance product, a user cannot know the product of the company, and after the user knows that the explanation and the sale of the product need to be carried out by a salesperson all the time, the sale cost is increased.
For an insurance intermediary organization, the interface with each insurance company has no unified standard, so that the interface aging is slow or the online interface cannot be realized.
Aiming at the scene that a user buys insurance products, the prior art can not realize that the processes of checking, comparing and purchasing are finished on one platform, the prior art can solve the problem that the platforms for checking all insurance products at one place are few, and the prior art is more deficient for the platform integrating checking, comparing and purchasing.
Disclosure of Invention
One of the objectives of the present invention is to provide a method, a system and a device for distributing and automatically docking insurance products based on block chains, which solve the problem of convenience in checking, comparing and purchasing insurance products.
One of the objectives of the present invention is to provide a block chain based insurance product distribution and automatic docking method, system and device, which can ensure the authenticity and non-repudiation of insurance products after purchase based on block chain technology.
One of the objectives of the present invention is to provide a block chain-based insurance product distribution and automatic docking method, system and device, which can provide complete analysis data for insurance companies and agencies, and provide data support for insurance agencies to improve insurance products and perfect insurance services.
In order to achieve at least one of the above objects, the present invention provides an insurance product distribution and automatic docking system based on a blockchain, which includes a user behavior private chain, an insurance product information co-building shared public chain, an insurance product configuration module, and an insurance product distribution and online sale module; the user behavior private chain stores behavior data of insurance products when users utilize the insurance product distribution and online sale module, and carries out data interaction with the insurance product information co-construction shared public chain, so that the construction of the insurance product information co-construction shared public chain is promoted; the insurance product information is co-built and shares a public chain to integrate insurance product information, and a computing node is deployed on a platform and is not associated with the platform; the insurance product distribution and online sale module collects complete user resource utilization behavior data; the insurance product distribution and online sale module acquires insurance product information issued by an insurance company, and the insurance product configuration module newly adds an insurance product to the insurance product information co-construction sharing public chain and issues the insurance product; the insurance product distribution and online sale module acquires an insurance product list from the insurance product information co-construction sharing public chain and provides the insurance product list for a user, and collects user behavior data and transmits the user behavior data to the user behavior private chain and the insurance product information co-construction sharing public chain.
In some embodiments, wherein the user behavior private chain is fully centralized, the writing and reading of data to the user behavior private chain is controlled by an insurance product blockchain operator, which provides insurance companies and intermediaries with access to shared user behavior data upon authorization.
In some embodiments, the insurance product information co-established shared public chain is a distributed architecture and decentralized, the insurance product information co-established shared public chain stores insurance product information, and an insurance company and an intermediary are in butt joint with the insurance product information co-established shared public chain, so as to realize unified management of the insurance product information.
In some embodiments, the insurance product distribution and online sale module performs information interaction of sharing a public chain by the user, the insurance intermediary mechanism, the insurance agent and the insurance product information, collects corresponding user behavior data and transmits the user behavior data to the user behavior private chain, so as to provide personalized insurance product information for the user; the insurance product distribution and online sale module acquires insurance product information from the insurance product information co-building shared public chain, records user behavior data and adds the user behavior data into the user behavior private chain when a user performs business operation, and is connected to a system of a corresponding insurance company based on an intelligent contract for insurance product purchasing behavior.
In some embodiments, the user behavior private chain stores user's insurance product viewing, insurance product review and insurance product purchase behavior data, wherein the insurance product information co-building shared public chain collects user resource utilization behavior data of user viewing, review and insurance product purchase.
According to another aspect of the present invention, there is also provided a blockchain-based insurance product distribution and automatic docking method, including the steps of:
the user behavior private chain and the insurance product information co-construction shared public chain are subjected to data interaction, and the construction of the insurance product information co-construction shared public chain is promoted;
an insurance company publishes insurance product information through an insurance product configuration module, and publishes the configured insurance product information to an insurance product information co-construction shared public chain, and the insurance product configuration module adds a block chain to the insurance product information co-construction shared public chain and publishes insurance products, so that the insurance company is in data connection with the chain;
the insurance product distribution and online sale module acquires an insurance product list from the insurance product information co-building shared public chain and provides the insurance product list for a user so that the user can check and purchase the insurance products on the chain conveniently, and the user is in butt joint with the data on the chain;
And
the insurance product distribution and online sale module collects and acquires user behavior data and transmits the user behavior data to the user behavior private chain and the insurance product information co-building sharing public chain.
In some embodiments, wherein the blockchain-based insurance product distribution and automatic docking method further comprises the steps of:
the insurance product distribution and online sale module transmits user behavior data of insurance product viewing, insurance product review and insurance product purchase to a user behavior private chain, transmits service data to an insurance product information co-established shared public chain, and performs data interaction between the user behavior private chain and the insurance product information co-established shared public chain to acquire and store the user behavior data;
the insurance product distribution and online sale module acquires insurance product information from the insurance product information co-construction shared public chain, when a user performs business operation, the insurance product distribution and online sale module records user behaviors and adds the user behaviors into the user behavior private chain, business data of insurance product purchasing behaviors are connected to a system of a corresponding insurance company through the insurance product information co-construction shared public chain on the basis of an intelligent contract, and the insurance product purchasing behaviors are recorded into the user behavior private chain.
In some embodiments, wherein the blockchain-based insurance product distribution and automatic docking method further comprises the steps of:
the method comprises the steps that an insurance product distribution and online sale module is provided to execute information interaction of a shared public chain formed by a user, an insurance intermediary mechanism, an insurance agent and insurance product information, corresponding user behavior data are collected and transmitted to a user behavior private chain, after authorization of an insurance product block chain operator, the insurance intermediary mechanism and an insurance company acquire the user behavior data from the user behavior private chain, and personalized insurance product information is provided for the user through the insurance product distribution and online sale module based on the user behavior data.
In some embodiments, where the user behavior private chain is fully centralized, the insurance product blockchain operator controls the writing and reading of data to the user behavior private chain, the user behavior private chain guides the insurance provider cooperation and product promotion of the insurance product blockchain operator, and the insurance product blockchain operator provides for the reading of the shared user behavior data after authorization by the insurance company and the intermediary; the insurance product information co-building shared public chain integrates the insurance product information of each insurance company, and is distributed architecture and decentralized.
According to another aspect of the present invention, there is also provided a blockchain-based insurance product dispensing and automatic docking apparatus, including:
the software application(s) may be,
a memory for storing the software application,
and the processor is used for executing the software application programs, and each software application program correspondingly executes the steps in the insurance product distribution and automatic docking method based on the block chain.
Drawings
Fig. 1 is a block chain-based insurance product distribution and automatic docking method flowchart architecture diagram according to an embodiment of the present invention.
Detailed Description
The following description is presented to disclose the invention so as to enable any person skilled in the art to practice the invention. The preferred embodiments in the following description are given by way of example only, and other obvious variations will occur to those skilled in the art. The basic principles of the invention, as defined in the following description, may be applied to other embodiments, variations, modifications, equivalents, and other technical solutions without departing from the spirit and scope of the invention.
It is understood that the terms "a" and "an" should be interpreted as meaning that a number of one element or element is one in one embodiment, while a number of other elements is one in another embodiment, and the terms "a" and "an" should not be interpreted as limiting the number.
The present invention relates to a computer program. Fig. 1 is a schematic flow architecture diagram of a block chain-based insurance product distribution and automatic docking method according to the present invention, illustrating a solution for controlling or processing external objects or internal objects of a computer by executing a computer program compiled according to the above flow on the basis of a computer program processing flow to solve the problems of the present invention. By the block chain-based insurance product distribution and automatic docking method, the problems of convenience in checking, comparing and purchasing insurance products can be solved by using a computer system, and meanwhile, authenticity and undeniability after purchasing of the insurance products can be guaranteed based on a block chain technology. Meanwhile, the system can provide complete analysis data for insurance companies and intermediary organizations, and provides data support for the insurance organizations to improve insurance products and perfect insurance services. The block chain-based insurance product distribution and automatic docking method can meet the requirements of clients, insurance companies and intermediary companies in the insurance sales process, and is formed according to the scenes of insurance mobile exhibition and self-help delivery. It should be understood that the term "computer" as used herein refers not only to desktop computers, notebook computers, tablet computers, etc., but also includes other intelligent electronic devices capable of operating according to programs and processing data. As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects.
Specifically, the insurance product distribution and automatic docking method based on the blockchain comprises the following steps:
the user behavior private chain and the insurance product information co-construction shared public chain are subjected to data interaction, and the construction of the insurance product information co-construction shared public chain is promoted;
an insurance company publishes insurance product information through an insurance product configuration module, and publishes the configured insurance product information to an insurance product information co-construction shared public chain, and the insurance product configuration module adds a block chain to the insurance product information co-construction shared public chain and publishes insurance products, so that the insurance company is in data connection with the chain;
the insurance product distribution and online sale module acquires an insurance product list from the insurance product information co-building shared public chain and provides the insurance product list for a user so that the user can check and purchase the insurance products on the chain conveniently, and the user is in butt joint with the data on the chain; and
the insurance product distribution and online sale module collects and acquires user behavior data and transmits the user behavior data to the user behavior private chain and the insurance product information co-building sharing public chain.
Further, wherein the block chain based insurance product distribution and automatic docking method further comprises the steps of:
The insurance product distribution and online sale module transmits user behavior data of insurance product checking, insurance product comment and insurance product purchase to a user behavior private chain, transmits service data to an insurance product information co-established shared public chain, and performs data interaction between the user behavior private chain and the insurance product information co-established shared public chain to acquire and store the user behavior data.
Further, wherein the block chain based insurance product distribution and automatic docking method further comprises the steps of:
the insurance product distribution and online sale module acquires insurance product information from the insurance product information co-construction shared public chain, when a user performs business operation, the insurance product distribution and online sale module records user behaviors and adds the user behaviors into the user behavior private chain, business data of insurance product purchasing behaviors are connected to a system of a corresponding insurance company through the insurance product information co-construction shared public chain on the basis of an intelligent contract, and the insurance product purchasing behaviors are recorded into the user behavior private chain.
Further, wherein the block chain based insurance product distribution and automatic docking method further comprises the steps of:
The method comprises the steps that an insurance product distribution and online sale module is provided to execute information interaction of a shared public chain formed by a user, an insurance intermediary mechanism, an insurance agent and insurance product information, corresponding user behavior data are collected and transmitted to a user behavior private chain, after authorization of an insurance product block chain operator, the insurance intermediary mechanism and an insurance company acquire the user behavior data from the user behavior private chain, and personalized insurance product information is provided for the user through the insurance product distribution and online sale module based on the user behavior data.
It is worth mentioning that in the block chain-based insurance product distribution and automatic docking method, the user behavior private chain is completely centralized, the insurance product block chain operator controls data to be written in and read from the user behavior private chain, the user behavior private chain guides the cooperation of the insurance provider of the insurance product block chain operator and product promotion, the insurance product block chain operator provides the insurance company and the intermediary organization with authorization to share the reading of the user behavior data, and the distribution and docking construction of the insurance product block chain can be promoted under the condition of ensuring the user privacy and the authenticity of the user behavior data.
It should be noted that in the block chain-based insurance product distribution and automatic docking method of the present invention, the insurance product information co-building shared public chain integrates the insurance product information of each insurance company, and the insurance product information co-building shared public chain is a distributed architecture and decentralized. That is to say, the insurance product information co-construction shared public chain integrates the insurance product information of each insurance company, and the insurance product information co-construction shared public chain is a distributed architecture, so that a computing node is deployed on any platform and is not associated with the platform, and therefore the insurance product information co-construction shared public chain is adopted to store the insurance product, the insurance company, the intermediary mechanism and the insurance product information co-construction shared public chain can be butted, and the unified management of the insurance product information is realized. Meanwhile, complete user resource utilization behavior data can be collected based on the insurance product information co-construction shared public chain. In addition, decentralization of the insurance product information co-construction shared public chain also enables each insurance company, intermediary agency and other computer technology manufacturers with resource construction capability to participate in the construction of the insurance product information co-construction shared public chain.
It is worth mentioning that in the block chain-based insurance product distribution and automatic docking method, an insurance product configuration module is provided for an accessed insurance company to use, and the insurance product configuration module issues insurance products to an insurance product information co-building shared public chain, so that the insurance company can conveniently and rapidly configure and log-on insurance products, and the problems of more input information, more rule verification, slow logging-on and complex docking of the insurance products in the sale process can be solved.
Those skilled in the art will appreciate that the methods of the present invention can be implemented in hardware, software, or a combination of hardware and software. The present invention can be realized in a centralized fashion in at least one computer system, or in a distributed fashion where different elements are spread across several interconnected computer systems. Any kind of computer system or other apparatus adapted for carrying out the methods described herein is suited. A typical combination of hardware and software could be a general purpose computer system with a computer program that, when being loaded and executed, controls the computer system such that it carries out the methods described herein.
The present invention can be embedded in a computer program product, which comprises all the features enabling the implementation of the methods described herein. The computer program product is embodied in one or more computer-readable storage media having computer-readable program code embodied therein. According to another aspect of the invention, there is also provided a computer-readable storage medium having stored thereon a computer program capable, when executed by a processor, of performing the steps of the method of the invention. Computer storage media is media in computer memory for storage of some discrete physical quantity. Computer storage media includes, but is not limited to, semiconductors, magnetic disk storage, magnetic cores, magnetic drums, magnetic tape, laser disks, and the like. It will be appreciated by persons skilled in the art that computer storage media are not limited by the foregoing examples, which are intended to be illustrative only and not limiting of the invention.
In accordance with another aspect of the present invention, there is also provided a block chain based insurance product distribution and automatic docking system corresponding to the embodiment of the method of the present invention, which is an application of the block chain based insurance product distribution and automatic docking method of the present invention in computer program improvement.
Specifically, the insurance product distribution and automatic docking system based on the block chain comprises a user behavior private chain, an insurance product information co-building shared public chain, an insurance product configuration module and an insurance product distribution and online sale module.
The user behavior private chain promotes the construction of the insurance product information co-construction shared public chain, the insurance product configuration module is convenient for an insurance company to rapidly issue insurance products to the insurance product information co-construction shared public chain and is convenient for the insurance company to be in data butt joint with the chain, and the insurance product distribution and online sale module is convenient for a user to check and purchase the insurance products on the chain and is convenient for the user to be in data butt joint with the chain.
More specifically, the insurance product distribution and online sale module comprises an insurance product distribution module and an insurance product online sale module. The user behavior private chain is used for storing relevant behavior data of insurance products when the users utilize the insurance product online sales module, such as relevant data of insurance product viewing, insurance product comment, insurance product purchase and the like. It is worth mentioning that the user behavior data is the basis of the block chain-based insurance product distribution and automatic docking system, and plays an important role in subsequent insurance product recommendation, insurance product sales, insurance service provision and the like. The insurance product distribution and online sale module acquires insurance product information issued by an insurance company, and the insurance product configuration module newly adds an insurance product to the insurance product information co-construction sharing public chain and issues the insurance product.
It is worth mentioning that due to the characteristic that the user behavior private chain is completely centralized, the data writing and reading are controlled by the insurance product block chain operator, the insurance product block chain operator can share the reading of the user behavior data after authorizing the insurance company and the intermediary organization, and the distribution and butt joint construction of the insurance product block chain can be promoted under the condition of ensuring the privacy of the user and the authenticity of the user behavior data.
More specifically, the insurance product information co-establishes a shared public chain for integrating the insurance product information of the respective insurance companies. The distributed architecture of the public chain enables the insurance product information co-construction shared public chain to deploy computing nodes on any platform and not to be associated with the platform, so that the insurance products stored by adopting the insurance product information co-construction shared public chain can butt an insurance company, an intermediary agency and the insurance product information co-construction shared public chain, and the unified management of the insurance product information is realized. Meanwhile, the insurance product distribution and online sale module can co-establish a shared public chain based on the insurance product information and acquire complete user resource utilization behavior data. Such as user viewing, commenting, purchasing insurance products, and the like. In addition, decentralization of the insurance product information co-construction shared public chain also enables each insurance company, intermediary agency and other computer technology manufacturers with resource construction capability to participate in the construction of the insurance product information co-construction shared public chain.
More specifically, the insurance product distribution and online sale module is used for information interaction of a shared public chain built by a user, an insurance intermediary mechanism, an insurance agent and insurance product information, acquiring corresponding behavior data and transmitting the behavior data to the user behavior private chain, so as to provide personalized insurance product information for the user. The insurance product distribution and online sale module acquires insurance product information from the insurance product information co-building shared public chain, records user behaviors and adds the user behaviors into the user behavior private chain when a user performs related business operations, and directly connects insurance product purchasing behaviors into a corresponding insurance company system based on an intelligent contract.
It is worth mentioning that the insurance product distribution and online sale module is realized based on a cross-platform technology, can be simultaneously put on a plurality of platforms such as WeChat, WeChat public numbers, WeChat applets, local H5 pages and the like, and can completely collect the behavior data of the user while ensuring that the user can conveniently and rapidly check, compare and purchase the insurance products.
The characteristics of more input information, more rule verification, slow online and complex butt joint of the insurance product in the sale process are determined by the particularity of the insurance product. More specifically, the insurance product configuration module is used by an accessed insurance company, so that the insurance product can be rapidly released to the insurance product information co-building shared public chain, and the insurance company can rapidly configure and online the insurance product conveniently.
According to another aspect of the present invention, there is also provided a blockchain-based insurance product distribution and automatic docking apparatus including: a software application, a memory for storing the software application, and a processor for executing the software application. Each program of the software application is capable of correspondingly executing the steps of the blockchain-based insurance product distribution and automatic docking method of the present invention.
A typical combination of hardware and software could be a general purpose computer system with a computer program that, when being loaded and executed, controls the computer system such that it carries out the methods described herein.
It will be understood by those skilled in the art that the blockchain-based insurance product distribution and automatic docking device may be embodied as a desktop computer, a notebook, a mobile smart device, etc., but the foregoing are merely examples, and may also include other smart analysis devices loaded with the software application of the present invention.
It will be appreciated by those skilled in the art that the present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, systems and computer program products according to the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart and/or block diagram block or blocks.
It will be appreciated by persons skilled in the art that the embodiments of the invention described above and shown in the drawings are given by way of example only and are not limiting of the invention. The objects of the invention have been fully and effectively accomplished. The functional and structural principles of the present invention have been shown and described in the examples, and any variations or modifications of the embodiments of the present invention may be made without departing from the principles.
Claims (10)
1. An insurance product distribution and automatic docking system based on a block chain is characterized in that the insurance product distribution and automatic docking system based on the block chain comprises a user behavior private chain, an insurance product information co-construction shared public chain, an insurance product configuration module and an insurance product distribution and online sale module; the user behavior private chain stores behavior data of insurance products when users utilize the insurance product distribution and online sale module, and carries out data interaction with the insurance product information co-construction shared public chain, so that the construction of the insurance product information co-construction shared public chain is promoted; the insurance product information is co-built and shares a public chain to integrate insurance product information, and a computing node is deployed on a platform and is not associated with the platform; the insurance product distribution and online sale module collects complete user resource utilization behavior data; the insurance product distribution and online sale module acquires insurance product information issued by an insurance company, and the insurance product configuration module newly adds an insurance product to the insurance product information co-construction sharing public chain and issues the insurance product; the insurance product distribution and online sale module acquires an insurance product list from the insurance product information co-construction sharing public chain and provides the insurance product list for a user, and collects user behavior data and transmits the user behavior data to the user behavior private chain and the insurance product information co-construction sharing public chain.
2. The blockchain-based insurance product distribution and automated docking system of claim 1, wherein the user-behavioral private chain is fully centralized, writing and reading of data to the user-behavioral private chain being controlled by an insurance product blockchain operator, the insurance product blockchain operator providing access to insurance companies and intermediaries for authorized reading of shared user-behavioral data.
3. The blockchain-based insurance product distribution and automatic docking system of claim 1, wherein the insurance product information co-established shared public chain is a distributed architecture and decentralized, the insurance product information co-established shared public chain stores insurance product information, and an insurance company, an intermediary agency interface with the insurance product information co-established shared public chain, thereby implementing a unified management of the insurance product information.
4. The blockchain-based insurance product distribution and automatic docking system of claim 1, wherein the insurance product distribution and online sale module performs information interaction of sharing a public chain with the user, the insurance agency, the insurance agent and the insurance product information, collects corresponding user behavior data and transmits the user behavior data to the user behavior private chain, and provides personalized insurance product information to the user; the insurance product distribution and online sale module acquires insurance product information from the insurance product information co-building shared public chain, records user behavior data and adds the user behavior data into the user behavior private chain when a user performs business operation, and is connected to a system of a corresponding insurance company based on an intelligent contract for insurance product purchasing behavior.
5. The blockchain-based insurance product distribution and automatic docking system of claim 1, wherein the user behavior private chain stores behavior data of user's insurance product views, insurance product reviews, and insurance product purchases, wherein the insurance product information co-building shared public chain collects user resource utilization behavior data of user views, reviews, and insurance product purchases.
6. A block chain-based insurance product distribution and automatic docking method is characterized by comprising the following steps:
the user behavior private chain and the insurance product information co-construction shared public chain are subjected to data interaction, and the construction of the insurance product information co-construction shared public chain is promoted;
an insurance company publishes insurance product information through an insurance product configuration module, and publishes the configured insurance product information to an insurance product information co-construction shared public chain, and the insurance product configuration module adds a block chain to the insurance product information co-construction shared public chain and publishes insurance products, so that the insurance company is in data connection with the chain;
the insurance product distribution and online sale module acquires an insurance product list from the insurance product information co-building shared public chain and provides the insurance product list for a user so that the user can check and purchase the insurance products on the chain conveniently, and the user is in butt joint with the data on the chain;
And
the insurance product distribution and online sale module collects and acquires user behavior data and transmits the user behavior data to the user behavior private chain and the insurance product information co-building sharing public chain.
7. The blockchain based insurance product distribution and automatic docking method according to claim 6, wherein the blockchain based insurance product distribution and automatic docking method further comprises the steps of:
the insurance product distribution and online sale module transmits user behavior data of insurance product viewing, insurance product review and insurance product purchase to a user behavior private chain, transmits service data to an insurance product information co-established shared public chain, and performs data interaction between the user behavior private chain and the insurance product information co-established shared public chain to acquire and store the user behavior data;
the insurance product distribution and online sale module acquires insurance product information from the insurance product information co-construction shared public chain, when a user performs business operation, the insurance product distribution and online sale module records user behaviors and adds the user behaviors into the user behavior private chain, business data of insurance product purchasing behaviors are connected to a system of a corresponding insurance company through the insurance product information co-construction shared public chain on the basis of an intelligent contract, and the insurance product purchasing behaviors are recorded into the user behavior private chain.
8. The blockchain based insurance product distribution and automatic docking method according to claim 6, wherein the blockchain based insurance product distribution and automatic docking method further comprises the steps of:
the method comprises the steps that an insurance product distribution and online sale module is provided to execute information interaction of a shared public chain formed by a user, an insurance intermediary mechanism, an insurance agent and insurance product information, corresponding user behavior data are collected and transmitted to a user behavior private chain, after authorization of an insurance product block chain operator, the insurance intermediary mechanism and an insurance company acquire the user behavior data from the user behavior private chain, and personalized insurance product information is provided for the user through the insurance product distribution and online sale module based on the user behavior data.
9. The blockchain-based insurance product distribution and automatic docking method of claim 6, wherein the user behavior private chain is completely centralized, the insurance product blockchain operator controls data writing and reading to the user behavior private chain, the user behavior private chain guides the insurance provider cooperation and product promotion of the insurance product blockchain operator, and the insurance product blockchain operator provides the insurance company, the intermediary authority, and then the shared user behavior data is read; the insurance product information co-building shared public chain integrates the insurance product information of each insurance company, and is distributed architecture and decentralized.
10. A blockchain-based insurance product dispensing and automatic docking apparatus, comprising:
the software application(s) may be,
a memory for storing the software application,
a processor for executing the software applications, the software applications each correspondingly performing the steps in the blockchain based insurance product distribution and automatic docking method as claimed in claims 6 to 9.
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