CN113282671A

CN113282671A - Claims settlement method and device based on block chain and electronic equipment

Info

Publication number: CN113282671A
Application number: CN202110650072.0A
Authority: CN
Inventors: 钮清锋; 文昕; 胡越; 孙勤; 王康
Original assignee: Alipay Hangzhou Information Technology Co Ltd; Ant Blockchain Technology Shanghai Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd; Ant Blockchain Technology Shanghai Co Ltd
Priority date: 2021-06-10
Filing date: 2021-06-10
Publication date: 2021-08-20

Abstract

A claim settlement method and device based on a block chain and electronic equipment are applied to a claim settlement server corresponding to a claim settlement acceptor, wherein the block chain is provided with an intelligent contract for performing claim settlement management on electronic bills stored on the block chain and related to a user; wherein the intelligent contract maintains a claim settlement status corresponding to the electronic ticket; the method comprises the following steps: acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed; responding to repeated claim query operation aiming at the target electronic bill initiated by a claim acceptor, calling query logic in the intelligent contract, and querying a claim settlement state of the target electronic bill corresponding to the identification information and maintained by the intelligent contract; and if the target electronic bill is in an unclamped state, carrying out claim settlement processing on the target electronic bill.

Description

Claims settlement method and device based on block chain and electronic equipment

Technical Field

One or more embodiments of the present disclosure relate to the field of block chain technologies, and in particular, to a method and an apparatus for claim settlement based on a block chain, and an electronic device.

Background

The settlement is that the insurance company executes the insurance contract, fulfills the insurance obligation and undertakes the concrete embodiment of the insurance responsibility; the claim settlement can ensure that the loss of the insured life is compensated. However, nowadays, the frequent occurrence of the fraud event increases the security and reliability of claim settlement, and avoids the occurrence of repeated claim settlement events in the claim settlement, which becomes a problem to be solved urgently.

Disclosure of Invention

The specification provides a claim settlement method based on a block chain, which is applied to a claim settlement server corresponding to a claim settlement acceptor, wherein the block chain is provided with an intelligent contract for performing claim settlement management on electronic bills, which are stored on the block chain and are related to a user; wherein the intelligent contract maintains a claim settlement status corresponding to the electronic ticket;

the method comprises the following steps:

acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed;

responding to repeated claim query operation aiming at the target electronic bill initiated by a claim acceptor, calling query logic in the intelligent contract, and querying a claim settlement state of the target electronic bill corresponding to the identification information and maintained by the intelligent contract;

and if the target electronic bill is in an unclamped state, carrying out claim settlement processing on the target electronic bill.

The specification also provides a claim settlement method based on a block chain, which is applied to a claim settlement server corresponding to a claim settlement acceptor, wherein the block chain is used for storing claim settlement data corresponding to electronic bills related to users; wherein the claim settlement data comprises identification information of the electronic bill;

the method comprises the following steps:

responding to repeated claim query operation aiming at the target electronic bill initiated by a claim acceptance party, and querying whether a claim record corresponding to the identification information of the target electronic bill is stored in the block chain;

and if the claim settlement data corresponding to the identification information of the target electronic bill is not stored in the block chain, performing claim settlement processing on the target electronic bill.

The specification further provides a claim settlement device based on the block chain, which is applied to a claim settlement server corresponding to a claim settlement acceptor, wherein the block chain is provided with an intelligent contract for performing claim settlement management on electronic bills stored on the block chain and related to a user; wherein the intelligent contract maintains a claim settlement status corresponding to the electronic ticket;

the device comprises:

the acquisition module is used for acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed;

the query module is used for responding to repeated claim query operation aiming at the target electronic bill initiated by a claim acceptor, calling query logic in the intelligent contract and querying a claim settlement state of the target electronic bill which is maintained by the intelligent contract and corresponds to the identification information;

and the claim settlement module is used for performing claim settlement processing on the target electronic bill if the target electronic bill is in an unclamped claim state.

The specification also provides a claim settlement device based on a block chain, which is applied to a claim settlement server corresponding to a claim settlement acceptor, wherein the block chain is used for storing claim settlement data corresponding to electronic bills related to users; wherein the claim settlement data comprises identification information of the electronic bill;

the device comprises:

the query module is used for responding to repeated claim settlement query operation aiming at the target electronic bill initiated by a claim settlement acceptor and querying whether a claim settlement record corresponding to the identification information of the target electronic bill is stored in the block chain or not;

and the claim settlement module is used for performing claim settlement processing on the target electronic bill if the claim settlement data corresponding to the identification information of the target electronic bill is not stored in the block chain.

This specification also proposes an electronic device including:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the steps of the above method by executing the executable instructions.

The present specification also contemplates a computer-readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the steps of the above-described method.

In the technical scheme, an intelligent contract for performing claim settlement management on the electronic tickets, which are stored on the blockchain and are related to the user, can be deployed on the blockchain, and the claim settlement state of the electronic tickets, which are related to the user, is maintained by the intelligent contract; subsequently, the claim settlement server may respond to an inquiry operation initiated by the claim settlement receiver for the identification information of the electronic ticket to be claimed in the claim settlement information submitted by the claim settlement user, invoke the intelligent contract, inquire the claim settlement status of the electronic ticket maintained by the intelligent contract, and perform claim settlement processing on the electronic ticket when the claim settlement status of the electronic ticket indicates that the electronic ticket is in an unrefined state. In such a way, for the claim information submitted by the claim settling user, the electronic bills which may have been subjected to claim settling can be filtered according to the identification information of the electronic bills in the claim information, and the claim settling processing is performed only for the electronic bills which are not reimbursed, so that the safety and reliability of the claim settling can be improved, and the occurrence of repeated claim settling events in the claim settling is avoided.

Drawings

FIG. 1 is a schematic diagram of a block chain based claims system, shown in an exemplary embodiment of the present description;

FIG. 2 is a flow chart illustrating a block chain based claim settlement method in an exemplary embodiment of the present specification;

FIG. 3 is a flow chart illustrating claim settlement status of an electronic ticket according to an exemplary embodiment of the present disclosure;

FIG. 4 is a flow chart illustrating another method for claim settlement based on blockchains in accordance with an exemplary embodiment of the present disclosure;

FIG. 5 is a flow chart illustrating another method for claim settlement based on blockchains in accordance with an exemplary embodiment of the present disclosure;

FIG. 6 is a flow chart illustrating another method for claim settlement based on blockchains in accordance with an exemplary embodiment of the present disclosure;

FIG. 7 is a flowchart of another method for claim settlement based on blockchains in accordance with an exemplary embodiment of the present disclosure;

FIG. 8 is a flow chart illustrating another method for claim settlement based on blockchains in accordance with an exemplary embodiment of the present specification;

FIG. 9 is a schematic diagram of an electronic device according to an exemplary embodiment;

FIG. 10 is a block diagram of a claim settlement apparatus based on a blockchain provided by an exemplary embodiment;

fig. 11 is a block diagram of another claim settlement apparatus based on block chains according to an example embodiment.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.

It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.

Blockchains are generally divided into three types: public chain (Public Blockchain), Private chain (Private Blockchain) and alliance chain (Consortium Blockchain). Furthermore, there may be a combination of the above types, such as private chain + federation chain, federation chain + public chain, and so on.

Among them, the most decentralized is the public chain. Participants joining the public chain (also referred to as nodes in the blockchain) can read the data records on the chain, participate in transactions, compete for accounting rights for new blocks, and so on. Moreover, each node can freely join or leave the network and perform related operations.

Private chains are the opposite, with the network's write rights controlled by an organization or organization and the data read rights specified by the organization. Briefly, a private chain may be a weakly centralized system with strict restrictions on nodes and a small number of nodes. This type of blockchain is more suitable for use within a particular establishment.

A federation chain is a block chain between a public chain and a private chain, and "partial decentralization" can be achieved. Each node in a federation chain typically has a physical organization or organization corresponding to it; the nodes are authorized to join the network and form a benefit-related alliance, and block chain operation is maintained together.

Based on the basic characteristics of a blockchain, a blockchain is usually composed of several blocks. The time stamps corresponding to the creation time of the block are recorded in the blocks respectively, and all the blocks form a time-ordered data chain according to the time stamps recorded in the blocks strictly.

The data generated outside the chain can be constructed into a standard transaction (transaction) format supported by the blockchain, then the data is issued to the blockchain, the node devices in the blockchain perform consensus on the transaction, and after the consensus is achieved, the node devices serving as accounting nodes in the blockchain package the transaction into blocks, and the persistent evidence is stored in the blockchain.

The intelligent contracts deployed on the blockchain can only access data contents stored on the blockchain generally; in practical applications, for some complex business scenarios implemented based on the intelligent contract technology, the intelligent contract may need to access external data stored on the data entity outside the chain.

In this scenario, the intelligent contract deployed on the blockchain can access data on the data entities outside the chain through the Oracle ora. Data entities outside the chain may include, for example, centralized servers or data centers deployed outside the chain, and so on.

In practical application, when a predicting machine is deployed for an intelligent contract on a block chain, a predicting machine intelligent contract corresponding to the predicting machine can be deployed on the block chain; the intelligent contract of the prediction machine is used for maintaining external data sent to the intelligent contract on the block chain by the prediction machine; for example, external data sent by the predictive machine to the smart contract on the blockchain may be stored in the account storage space of the predictive machine smart contract.

When a target intelligent contract on the blockchain is called, external data required by the target intelligent contract can be read from the account storage space of the prediction machine intelligent contract to complete the calling process of the intelligent contract.

It should be noted that, when sending external data to the smart contract on the blockchain, the prediction engine may use an active sending method or a passive sending method.

The event mechanism of the intelligent contract is a mode for the interaction between the intelligent contract and the out-of-chain entity.

For intelligent contracts deployed on blockchains, direct interaction with out-of-chain entities is generally not possible; for example, the intelligent contract cannot generally send the call result of the intelligent contract to the call initiator of the intelligent contract point to point after the call is completed.

The call results (including intermediate results and final call results) generated during the call of the intelligent contract are usually recorded in the form of events (events) to the transaction log (transactions logs) of the transaction that called the intelligent contract, and stored in the memory space of the node device. And the entity outside the chain which needs to interact with the intelligent contract can acquire the calling result of the intelligent contract by monitoring the transaction log stored in the storage space of the node equipment.

In a cross-chain scenario, multiple blockchains may implement cross-chain docking through cross-chain relays.

The cross-link relay can be respectively connected with the block chains through the bridging interfaces, and the cross-link data synchronization among the block chains is completed based on the realized data carrying logic.

The chain-crossing technology used for realizing the chain-crossing relay is not particularly limited in this specification; for example, in practical applications, a plurality of block chains can be connected by a chain-crossing mechanism such as side chain technology, notary technology, and the like.

After a plurality of block chains are connected in a butt joint mode through cross-chain relays, data on other block chains can be read and authenticated between the block chains, and intelligent contracts deployed on other block chains can be called through the cross-chain relays.

The inter-link relay is used only for transferring data between a plurality of block chains, and does not need to store the transferred data persistently or maintain the data state of the transferred data. In practical applications, the inter-link relay may be configured in a device, a node, a platform, or the like other than the plurality of block chains to which the inter-link relay is connected, or may be configured in a node device of the plurality of block chains to which the inter-link relay is connected, and is not particularly limited in this specification.

Referring to fig. 1, fig. 1 is a schematic diagram of a claim settlement system based on a block chain according to an exemplary embodiment of the present disclosure.

In the claim system based on the block chain as shown in fig. 1, the system may include a claim client corresponding to a claim user, a claim server corresponding to a claim acceptor (insurance company a or insurance company B), an ant bas (package as a service) platform (also called as a bas cloud), and a claim chain in the form of a block chain.

In one embodiment, the device where the claim client corresponding to the claim user is located may include various different types of client-side terminal devices; for example, the client side terminal device may include devices such as a PC terminal device, a mobile terminal device, an internet of things device, and other forms of smart devices with certain computing capabilities, and so on.

The equipment where the claim settlement server corresponding to the claim settlement recipient is located may include a user side server or a user side server cluster.

Specifically, the user-side server or the user-side server cluster may be implemented by a claim acceptor that builds a user account system; the claim settlement acceptor can provide various service carriers of online and/or offline claim settlement services for users; wherein, the service carrier can comprise various client software for providing online internet service; such as a website, web page, APP, etc.

A claims chain in the form of a blockchain may include a plurality of blockchain nodes for carrying the blockchain; for example, a block chain node 1, a block link point 2, a block link point 3, a block link point 4, a block link point i, etc., as shown in fig. 1, may collectively carry the block chain.

Wherein, the block link points may include a full node and a light node; the whole node can download the block chain transaction contained in each block in the block chain in a whole amount, and can perform consensus verification on the block chain transaction contained in each block chain according to the carried block chain consensus algorithm; and the light node may not download the complete blockchain, but may only download the data of the block header of each block in the blockchain, and use the data contained in the block header as a verification root for verifying the authenticity of the blockchain transaction. Light nodes may attach to full nodes to access more functions of the blockchain.

The blockchain node may be a physical device, or may be a virtual device implemented in a server or a server cluster; for example, the block-node device may be a physical host in a server cluster, or may be a virtual machine created after a virtualization technology is performed on a server or a hardware resource carried by the server cluster. Each blockchain node can be connected together by various communication methods (such as TCP/IP) to form a network to carry the blockchain.

In an embodiment shown, the baas platform provides a pre-programmed software mode for activities (such as subscription and notification, user verification, database management, and remote update) occurring on the blockchain, and provides simple and easy-to-use, one-key deployment, fast verification, flexible and customizable blockchain service for devices connected with the baas platform, thereby accelerating the development, testing, and online of blockchain service applications and assisting the landing of blockchain business application scenarios in various industries.

For example, in one example, the baas platform may provide software such as MQ (Message Queue) services; the device connected with the baas platform can subscribe an intelligent contract deployed on a certain block chain in the block chain connected with the baas platform, and contract events generated on the block chain after triggering execution; and the baas platform can monitor the event generated on the block chain after the intelligent contract is triggered to execute, and then add the contract event to the message queue in the form of a notification message based on the software related to MQ service, so that the device subscribing the message queue can obtain the notification related to the contract event.

The baas platform can also provide enterprise-level platform services based on the blockchain technology to help enterprise-level customers build a safe and stable blockchain environment and easily manage deployment, operation, maintenance and development of blockchains.

For example, in one example, the baas platform may implement rich security policies and multi-tenant isolation environments based on cloud technology, provide advanced security protection based on chip encryption technology, provide highly reliable data storage based, provide end-to-end high availability services that can be quickly extended without interruption;

in another example, enhanced management functionality may also be provided to assist customers in building enterprise-level blockchain network environments; and, local support can also be provided for standard blockchain applications and data, supporting mainstream open source blockchain technologies such as Hyperhedger Fabric and Enterprise Ethereum-Quorum, to build an open and inclusive technology ecosystem.

In one embodiment, the electronic device where the claim settlement client corresponding to the claim settlement user is located may be connected to the claim settlement server corresponding to the claim settlement recipient through various communication networks, and the claim settlement server corresponding to the claim settlement recipient may be further connected to the ant baas platform through various communication networks; the ant baas platform may be connected to the claim chain, or a plurality of block chains including the claim chain, through various communication networks.

Wherein, the communication network may comprise a wired and/or wireless communication network; for example, the Network may be a Local Area Network (LAN), a Wide Area Network (WAN), the internet, or a combination thereof, implemented based on a wired access Network or a wireless access Network provided by an operator, such as a mobile cellular Network.

Referring to fig. 2, fig. 2 is a flowchart illustrating a method for claim settlement based on a block chain according to an exemplary embodiment of the present disclosure.

The claim settlement method based on the block chain can be applied to a claim settlement server corresponding to a claim settlement receiver, for example: the claim settlement server corresponding to the insurance company as shown in fig. 1; the claim settlement method based on the block chain can comprise the following steps:

step 202, acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed.

In this embodiment, the blockchain may include a federation chain; the federation members of the federation chain may include several claim acceptors. The blockchain can be used as a claim chain for storing data related to claim services.

In order to improve the data authenticity and data security of the electronic ticket associated with the user, the electronic ticket associated with the user may be stored on the above block chain. For example, after a user obtains a certain electronic bill issued by a invoicing party as a ticketing party, the user can actively issue the electronic bill to the blockchain for storage; alternatively, the invoicing party can automatically issue a certain electronic bill to the blockchain for storage after issuing the electronic bill for the user as the invoicee party.

In practical application, the electronic bill related to the user can be stored in another block chain which is in cross-chain butt joint with the block chain; wherein another blockchain that interfaces across chains with the blockchain can be used as a ticket chain for storing electronic tickets related to users.

When a user needs to apply for executing claims on a certain electronic bill (called a target electronic bill) stored in the block chain, the user can be used as a claim settling user, and claim settling information is submitted to a claim settling party through a claim settling client corresponding to the claim settling user, so that a claim settling server corresponding to the claim settling party can obtain the claim settling information; wherein, the claim settlement information can comprise the identification information of the target electronic bill.

In practical applications, the claim settlement client may be a claim settlement APP (Application program) provided by the claim settlement party to a claim settlement user; for a certain electronic bill, the identification information of the electronic bill may include an invoice number of the electronic bill, or the invoice number and an invoice code of the electronic bill, and so on, for uniquely identifying the electronic bill.

Taking the claim settlement system based on the block chain shown in fig. 1 as an example, insurance company a or insurance company B may be used as a claim settlement recipient; the claim settlement user can submit the claim settlement information to the claim settlement acceptor through a claim settlement client corresponding to the claim settlement user so as to apply for executing claim settlement on the target electronic bill, and a claim settlement server corresponding to the claim settlement acceptor can acquire the claim settlement information.

In one embodiment shown, the claim issued by the claim user may include a medical insurance claim; the electronic ticket may include an electronic ticket associated with a medical record of the user.

And 204, responding to repeated claim query operation aiming at the target electronic bill initiated by a claim acceptor, calling query logic in the intelligent contract, and querying a claim settlement state of the target electronic bill corresponding to the identification information and maintained by the intelligent contract.

In this embodiment, an intelligent contract for claim settlement management on the electronic tickets related to the user and stored on the blockchain may be deployed in advance on the blockchain, so that a claim settlement for the electronic tickets related to the user is realized by invoking the intelligent contract.

In order to avoid the problem of repeated claims for the same electronic bill, the intelligent contract can also maintain the claim status of the electronic bills related to the user stored on the block chain. For example, after obtaining a certain electronic bill issued by an invoicing party as a receiver, the user may issue a contract invoking transaction to the blockchain through the node device in the blockchain, so as to invoke a proof logic in the intelligent contract by the node device in the blockchain in response to the contract invoking transaction, and maintain the claim settlement status of the electronic bill in the contract storage space of the intelligent contract; or, the invoicing party may issue a contract invoking transaction to the blockchain through the node device in the blockchain when a certain electronic bill needs to be issued for the user as the invoicee party, so that the node device in the blockchain invokes the contract invoking transaction to invoke the evidence storing logic in the intelligent contract, and the claim settlement state of the electronic bill is maintained in the contract storing space of the intelligent contract.

The claim acceptance party can initiate repeated claim settlement query operation aiming at the target electronic bill through the claim settlement server side under the condition that the claim settlement user applies for carrying out claim settlement aiming at the target electronic bill; at this time, the claim settlement server may respond to the repeated claim settlement query operation, invoke query logic in the intelligent contract, and query the claim settlement status of the electronic ticket (i.e., the target electronic ticket) maintained by the intelligent contract and corresponding to the identification information of the electronic ticket in the claim settlement information.

Specifically, the claim settlement server may issue, in response to the repeated claim settlement query operation, a contract invocation transaction corresponding to the intelligent contract to the blockchain through the node device in the blockchain, where the contract invocation transaction includes identification information of the electronic ticket in the claim settlement information (i.e., identification information of the target electronic ticket), and the node device in the blockchain invokes, in response to the contract invocation transaction, a query logic in the intelligent contract to query a claim settlement status of the target electronic ticket maintained by the intelligent contract.

Further, when the claim settlement status of the target electronic bill is queried, the intelligent contract may generate a query event corresponding to the claim settlement status of the target electronic bill; the claim settlement server can obtain the query event by monitoring the event generated by the intelligent contract, and obtain the claim settlement state of the target electronic bill based on the query event.

Taking the claim system based on the block chain shown in fig. 1 as an example, the intelligent contract may be deployed on the claim chain in the form of the block chain in advance, and the intelligent contract maintains the claim status of the electronic ticket stored on the claim chain; the claim service end may send a repeated claim settlement query request to the ant bas platform in response to the repeated claim settlement query operation initiated by the claim acceptor, issue the contract invocation transaction to the claim chain in response to the repeated claim settlement query request by the ant bas platform, invoke query logic in the intelligent contract in response to the contract invocation transaction by a node device (i.e., a block chain node) in the claim chain, and query a claim settlement state of the target electronic ticket maintained by the intelligent contract; when the intelligent contract inquires the claim settlement state of the target electronic bill, the intelligent contract can generate the inquiry event on the claim settlement chain; the ant baas platform can acquire the query event by monitoring the event generated by the intelligent contract, and forward the query event to the claim settlement server, so that the claim settlement server acquires the claim settlement state of the target electronic bill based on the query event.

It should be noted that, if the claim service end directly accesses the block chain, that is, the claim service end is directly connected to the block chain as a block link point, the claim service end may issue the contract invocation transaction to the claim chain in response to the repeated claim query operation initiated by the claim acceptor, so that the node device in the claim chain invokes the query logic in the intelligent contract to query the claim status of the target electronic ticket maintained by the intelligent contract in response to the contract invocation transaction; when the intelligent contract inquires the claim settlement state of the target electronic bill, the intelligent contract can generate the inquiry event on the claim settlement chain; the claim settlement server can monitor the event generated by the intelligent contract to acquire the query event, and acquire the claim settlement state of the target electronic bill based on the query event.

In an illustrated embodiment, in order to improve reliability of performing claim settlement on an electronic ticket, the claim service end may invoke ticket checking logic in the intelligent contract before querying a claim settlement status of the target electronic ticket, check whether the target electronic ticket meets a preset claim settlement condition, and invoke query logic in the intelligent contract when the target electronic ticket passes the check, so as to query the claim settlement status of the target electronic ticket maintained by the intelligent contract.

Specifically, the claim settlement server may issue, to the blockchain, a contract call transaction corresponding to the intelligent contract through the node device in the blockchain, where the contract call transaction includes identification information of the target electronic ticket, so that the node device in the blockchain responds to the contract call transaction by calling a ticket checking logic in the intelligent contract first, and acquiring the target electronic ticket from the blockchain, or acquiring the target electronic ticket from the ticket chain connected to the blockchain in a cross-chain manner, checking whether the target electronic ticket meets a preset claim settlement condition, and when the target electronic ticket passes the check, calling a query logic in the intelligent contract to query a claim settlement state of the target electronic ticket maintained by the intelligent contract.

It should be noted that, if the target electronic bill fails to be checked, on one hand, the claim settlement processing may not be performed on the target electronic bill, and on the other hand, a prompt message that the target electronic bill cannot be subjected to the claim settlement processing may be returned to the claim settlement client, so as to prompt the claim settlement user that the claim settlement user cannot perform the claim settlement on the target electronic bill.

Further, in an illustrated embodiment, in order to avoid performing more complex computation by an intelligent contract, when invoking a bill verification logic in the intelligent contract to verify whether the target electronic bill meets a preset claim condition, specifically, the intelligent contract may submit the acquired target electronic bill to an out-of-chain third-party bill verification service end through an Oracle program, so that the third-party bill verification service end verifies whether the target electronic bill meets the preset claim condition, and accordingly, the intelligent contract may receive a bill verification result for the target electronic bill returned by the third-party bill verification service end through the Oracle program.

In practical applications, the third-party bill verification service end may specifically include a service end corresponding to a financial bureau; the claim settlement condition may be preset by the claim settlement recipient, and specifically may include: the claim settling user who initiates the claim settling aiming at the target electronic bill is the bill-receiving party recorded in the target electronic bill; the time interval between the invoicing date and the current date of the target electronic bill is within a time length threshold value which allows claim settlement; and so on.

In another embodiment shown, in order to improve the reliability of executing a claim for an electronic ticket, before querying the claim status of the target electronic ticket, the claim service end may first invoke an authority check logic in the intelligent contract to check whether the claim user authorizes the claim authority of the target electronic ticket stored in the block chain to the claim receiver, and if so, then invoke the query logic in the intelligent contract to query the claim status of the target electronic ticket maintained by the intelligent contract.

Specifically, the claim settlement server may issue, to the blockchain, a contract call transaction corresponding to the intelligent contract through the node device in the blockchain, where the contract call transaction includes identification information of the target electronic ticket, and in response to the contract call transaction, the node device in the blockchain first calls an authority check logic in the intelligent contract to check whether the claim settlement user authorizes the claim settlement user of the target electronic ticket stored in the blockchain to the claim settlement recipient, and if so, then calls a query logic in the intelligent contract to query a claim settlement state of the target electronic ticket maintained by the intelligent contract.

It should be noted that, if it is determined that the claim settling user does not authorize the query right of the target electronic ticket stored in the block chain to the claim settling receiver, on one hand, the claim settling processing may not be performed on the target electronic ticket, and on the other hand, prompt information that the target electronic ticket cannot be subjected to the claim settling processing may be returned to the claim settling client, so as to prompt that the claim settling user cannot execute the claim settling on the target electronic ticket.

Further, in an illustrated embodiment, when the user authorizes the query authority of the electronic ticket stored in the block chain to the claim settlement recipient, the query authority authorization information corresponding to the electronic ticket stored in the block chain may be stored in the block chain; the query right authorization information may include an identification of the user and identification information of the claim acceptor (i.e., information for uniquely identifying the claim acceptor).

In this case, when verifying whether the claim user authorizes the claim acceptor with the query authority of the target electronic ticket stored in the block chain, it may be specifically queried whether query authority authorization information corresponding to the target electronic ticket stored in the block chain is stored in the block chain, where the query authority authorization information should include the identity of the claim user and the identification information of the claim acceptor, and if so, it may be determined that the claim user has authorized the query authority of the target electronic ticket stored in the block chain to the claim acceptor.

Further, in another illustrated embodiment, a verifiable certificate corresponding to an authorization action that a user authorizes the query authority of the electronic ticket stored on the block chain to the claim acceptor may be maintained by the claim acceptor; the verifiable certificate can be used as a query authority authorization certificate for verifying whether the claim receiver is granted with the query authority of the electronic bill stored on the block chain by the user.

In this case, the invocation parameter for the intelligent contract submitted by the claim acceptor may include a query right authorization credential, where the query right authorization credential should include a verifiable credential corresponding to an authorization action of the claim user to authorize the query right of the target electronic ticket stored in the block chain to the claim acceptor; when the claim user is verified whether the query right of the target electronic bill stored in the block chain is authorized to the claim acceptor, the verifiable certificate can be specifically verified, and if the verification is passed, it can be determined that the claim user has authorized the query right of the target electronic bill stored in the block chain to the claim acceptor.

In practical applications, the verifiable certificate may be a hash value obtained by performing a hash calculation based on the key of the claim settlement user; in this case, the key of the claim user may be maintained in the intelligent contract, and when it is checked whether the claim user authorizes the query right of the target electronic ticket stored in the block chain to the claim receiver, hash calculation is performed based on the maintained key of the claim user, and then, a hash value obtained by calculation is compared with a hash value in the verifiable voucher to determine that the verifiable voucher passes verification if the hash value is consistent with the hash value in the verifiable voucher.

In an embodiment shown in the present invention, when the claim settlement server completes the query on the claim settlement status of the target electronic ticket, the claim settlement server may further invoke a charging logic in the intelligent contract to generate a charging amount corresponding to the query, so that the claim settlement recipient pays a corresponding query fee to the operator of the block chain based on the charging amount.

Or after the intelligent contract generates the charging amount corresponding to the query, the intelligent contract can further generate a charging event corresponding to the charging amount; the third party payment system can acquire the charging event by monitoring the event generated by the intelligent contract, and respond to the charging event to replace the claim acceptance direction to pay the corresponding inquiry fee to the operator of the block chain.

And step 206, if the target electronic bill is in an unclamped state, carrying out claim settlement processing on the target electronic bill.

In this embodiment, when the claim settlement server obtains the claim settlement status of the target electronic ticket, if it is determined that the claim settlement status of the target electronic ticket indicates that the target electronic ticket is in an unclamped state, it indicates that the claim settlement has not been performed on the target electronic ticket before, and therefore, the claim settlement can be performed on the target electronic ticket.

Accordingly, if the claim settlement server determines that the claim settlement status of the target electronic bill indicates that the target electronic bill is not in the non-claim settlement status, it indicates that the claim settlement may have been performed on the target electronic bill before, and therefore, in order to avoid the repeated claim settlement, the claim settlement processing may not be performed on the target electronic bill any more.

In one embodiment shown, in order to further distinguish the claim status of the electronic ticket to facilitate the claim management of the electronic ticket, in addition to setting the electronic ticket to an outstanding claim status, the electronic ticket may be set to an in-claim status and a completed claim status. That is, the claim status of the electronic ticket may include an outstanding status, an in-claim status, and a completed status.

Referring to fig. 3, fig. 3 is a flow chart illustrating the claim settlement status of an electronic ticket according to an exemplary embodiment of the present disclosure.

As shown in fig. 3, when a certain electronic ticket issued by the invoicing party for the user as the ticketing receiver is issued to the block chain for storage, the claim settlement status of the electronic ticket is the non-claim settlement status, that is, the initial claim settlement status of the electronic ticket can be set to the non-claim settlement status. In the process of carrying out claim settlement processing on the electronic bill, the claim settlement state of the electronic bill is the claim settlement state, that is, the claim settlement state of the electronic bill can be updated from the non-claim settlement state to the claim settlement state. After the claim processing for the electronic ticket is completed, the claim status of the electronic ticket is the claim completed status, that is, the claim status of the electronic ticket can be updated from the claim pending status to the claim completed status.

In this case, if it is determined that the claim settlement status of the target electronic ticket indicates that the target electronic ticket is in a claim settlement completed status or a claim settlement status, on one hand, the claim settlement processing may not be performed on the target electronic ticket, and on the other hand, a prompt message that the target electronic ticket cannot be subjected to the claim settlement processing may be returned to the claim settlement client to prompt the claim settlement user that the claim settlement user cannot perform the claim settlement on the target electronic ticket.

Further, in an illustrated embodiment, when the claim settlement server determines that the target electronic ticket is in an unreported state, the claim settlement server may first invoke the state maintenance logic in the intelligent contract, switch the target electronic ticket to a claim settlement state, and perform claim settlement processing on the target electronic ticket after switching the target electronic ticket to the claim settlement state.

In an embodiment shown in the present invention, when the claim settlement server performs the claim settlement processing on the target electronic ticket, the claim settlement server may specifically invoke a claim settlement logic in the intelligent contract to calculate a claim settlement amount corresponding to the target electronic ticket, so that the claim settlement receiver pays a claim settlement fund to the claim settlement user based on the claim settlement amount.

Or after the intelligent contract calculates the claim amount corresponding to the target electronic bill, a claim event corresponding to the claim amount can be generated; the third party payment system can monitor the event generated by the intelligent contract, acquire the claim settlement event, respond to the claim settlement event, and pay the claim settlement fund to the claim settlement user instead of the claim settlement accepting direction.

In an embodiment shown in the present invention, when the claim settlement server completes the claim settlement processing for the target electronic ticket, the claim deposit logic in the intelligent contract may be invoked, the claim settlement record corresponding to the target electronic ticket is issued to the block chain for deposit, and after the deposit is completed, the state maintenance logic in the intelligent contract is further invoked, so as to switch the target electronic ticket to the claim settlement completed state.

Referring to fig. 4, fig. 4 is a flowchart illustrating another method for claim settlement based on block chains according to an exemplary embodiment of the present disclosure.

The claim settlement method based on the block chain can be applied to a claim settlement server corresponding to a claim settlement acceptor; the claim settlement method based on the block chain can comprise the following steps:

step 402, acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed.

And step 404, responding to repeated claim settlement query operation aiming at the target electronic bill initiated by a claim settlement recipient, calling bill verification logic in the intelligent contract, and verifying whether the target electronic bill meets claim settlement conditions.

And 406, if the target electronic bill passes the verification, invoking a query logic in the intelligent contract to query the claim settlement state of the target electronic bill corresponding to the identification information and maintained by the intelligent contract.

Step 408, if the target electronic bill is in an unclamped state, calling a state maintenance logic in the intelligent contract, switching the target electronic bill to a claim-in-progress state, and after switching the target electronic bill to a claim-in-progress state, further performing claim settlement on the target electronic bill.

Step 410, when the claim settlement processing for the target electronic bill is completed, invoking a claim storage logic in the intelligent contract, issuing the claim settlement record corresponding to the target electronic bill to the block chain for claim storage, and further invoking a state maintenance logic in the intelligent contract after the claim settlement is completed, so as to switch the target electronic bill into a claim settlement completed state.

In step 412, if the target electronic bill fails to be checked, a prompt message that the target electronic bill cannot be subjected to claim settlement is returned to the claim settlement client.

In step 414, if the claim settlement status of the target electronic ticket indicates that the target electronic ticket is in a claim settlement completed status or in a claim settlement status, a prompt message that the target electronic ticket cannot perform claim settlement processing is returned to the claim settlement client.

The specific implementation of the steps 402 to 414 can refer to the embodiment shown in fig. 2, and the description of the present specification is not repeated herein.

Referring to fig. 5, fig. 5 is a flowchart illustrating another method for claim settlement based on block chains according to an exemplary embodiment of the present disclosure.

step 502, acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed.

Step 504, in response to a repeated claim settlement query operation for the target electronic ticket initiated by a claim settlement recipient, invoking an authority check logic in the intelligent contract to check whether the claim settlement user authorizes the query authority of the target electronic ticket stored on the block chain to the claim settlement recipient.

Step 506, if the claim settling user has authorized the query authority of the target electronic voucher stored in the block chain to the claim settling receiver, invoking a query logic in the intelligent contract to query the claim settling status of the target electronic bill corresponding to the identification information and maintained by the intelligent contract.

Step 508, if the target electronic bill is in an unclamped state, calling a state maintenance logic in the intelligent contract, switching the target electronic bill to a state of being claimed, and further performing claim settlement on the target electronic bill after switching the target electronic bill to the state of being claimed.

Step 510, when the claim settlement processing for the target electronic bill is completed, invoking a claim storage logic in the intelligent contract, issuing the claim settlement record corresponding to the target electronic bill to the block chain for claim storage, and further invoking a state maintenance logic in the intelligent contract after the claim settlement is completed, so as to switch the target electronic bill to a claim settlement completed state.

Step 512, if the claim settling user does not authorize the query right of the target electronic voucher stored in the block chain to the claim settling receiver, then a prompt message that the target electronic ticket cannot be subjected to claim settling is returned to the claim settling client.

And 514, if the claim settlement state of the target electronic bill indicates that the target electronic bill is in a finished claim settlement state or in a claim settlement state, returning prompt information that the target electronic bill cannot carry out claim settlement to the claim settlement client.

The specific implementation of the above steps 502 to 514 can refer to the embodiment shown in fig. 2, and this description is not repeated herein.

Referring to fig. 6, fig. 6 is a flowchart illustrating another method for claim settlement based on block chains according to an exemplary embodiment of the present disclosure.

step 602, acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed.

In this embodiment, the blockchain may include a federation chain; the federation members of the federation chain may include several claim acceptors.

Step 604, responding to a repeated claim settlement query operation aiming at the target electronic bill initiated by a claim settlement recipient, and querying whether a claim settlement record corresponding to the identification information of the target electronic bill is stored in the block chain.

In this embodiment, in order to avoid the problem of repeated claim settlement for the same electronic ticket, the claim acceptance side may initiate a repeated claim settlement query operation for the target electronic ticket through the claim settlement server when the claim settlement user applies for performing claim settlement for the target electronic ticket; at this time, the claim service end may query whether the block chain stores a claim settlement record corresponding to the identification information of the electronic ticket in the claim settlement information (i.e., the identification information of the target electronic ticket) in response to the repeated claim settlement query operation.

Taking the claim settlement system based on the block chain shown in fig. 1 as an example, the claim settlement server may send a repeated claim settlement query request to the ant bas platform in response to the repeated claim settlement query operation initiated by the claim settlement acceptor, so that the ant bas platform queries whether a claim settlement record corresponding to the identification information of the target electronic ticket is stored in the block chain in response to the repeated claim settlement query request; the ant baas platform may send the corresponding query result to the claim settlement server, so that the claim settlement server determines whether the claim settlement record corresponding to the identification information of the target electronic ticket is stored in the block chain based on the query result.

It should be noted that, if the claim settlement server directly accesses the block chain, that is, the claim settlement server is directly connected to the block chain as a block link point, the claim settlement server may query whether the block chain stores a claim record corresponding to the identification information of the target electronic ticket in response to the repeated claim settlement query operation initiated by the claim settlement receiver, and determine whether the block chain stores the claim record corresponding to the identification information of the target electronic ticket based on a corresponding query result.

In one embodiment shown, an intelligent contract for claim management on the electronic tickets related to the users and stored on the blockchain can be deployed in advance on the blockchain, so that the claims on the electronic tickets related to the users can be realized by calling the intelligent contract.

In order to improve the reliability of claim execution for electronic bills, before querying whether a claim record corresponding to the identification information of the target electronic bill is stored in the block chain, the claim service end may invoke bill verification logic in the intelligent contract to verify whether the target electronic bill meets a preset claim condition, and when the target electronic bill passes verification, query whether the claim record corresponding to the identification information of the target electronic bill is stored in the block chain.

Specifically, the claim settlement server may issue, to the blockchain, a contract call transaction corresponding to the intelligent contract through the node device in the blockchain, where the contract call transaction includes the identification information of the target electronic ticket, so that the node device in the blockchain responds to the contract call transaction by calling a ticket checking logic in the intelligent contract first, and acquiring the target electronic ticket from the blockchain, or acquiring the target electronic ticket from the ticket chain connected to the blockchain in a cross-chain manner, checking whether the target electronic ticket meets a preset claim settlement condition, and when the target electronic ticket passes the check, querying whether a claim settlement record corresponding to the identification information of the target electronic ticket is stored in the blockchain.

In another embodiment shown, in order to improve reliability of executing a claim for an electronic ticket, before querying whether a claim record corresponding to identification information of the target electronic ticket is stored in the block chain, the claim service end may first invoke an authority check logic in the intelligent contract to check whether the claim user authorizes the claim authority of the target electronic ticket stored in the block chain to the claim receiver, and if so, then query whether a claim record corresponding to identification information of the target electronic ticket is stored in the block chain.

Specifically, the claim settlement server may issue, to the blockchain, a contract call transaction corresponding to the intelligent contract through the node device in the blockchain, where the contract call transaction includes the identification information of the target electronic ticket, so that the node device in the blockchain responds to the contract call transaction, and first invokes an authority check logic in the intelligent contract to check whether the claim settlement user authorizes the query authority of the target electronic ticket stored in the blockchain to the claim settlement recipient, and if so, then queries whether a claim record corresponding to the identification information of the target electronic ticket is stored in the blockchain.

Step 606, if the target electronic bill is in an unclamped state, carrying out claim settlement processing on the target electronic bill.

In this embodiment, if it is determined that the block chain does not store the claim settlement data corresponding to the identification information of the target electronic ticket, it indicates that the claim settlement has not been performed on the target electronic ticket before, and therefore, the claim settlement server can perform the claim settlement processing on the target electronic ticket.

Accordingly, if it is determined that the claim data corresponding to the identification information of the target electronic bill is already stored in the block chain, it is stated that a claim may have been executed on the target electronic bill before, and therefore, in order to avoid repeated claims, the claim processing may not be performed on the target electronic bill any more.

In an embodiment shown, if it is determined that the block chain stores the claim data corresponding to the identification information of the target electronic ticket, on one hand, the claim server may not perform the claim processing on the target electronic ticket, and on the other hand, a prompt message that the target electronic ticket cannot perform the claim processing may be returned to the claim client to prompt the claim user that the claim user cannot perform the claim processing on the target electronic ticket.

When the claim settlement server performs the claim settlement processing on the target electronic bill, the claim settlement server may specifically invoke a claim settlement logic in the intelligent contract to calculate a claim settlement amount corresponding to the target electronic bill, so that the claim settlement acceptor pays a claim settlement fund to the claim settlement user based on the claim settlement amount.

In an illustrated embodiment, when the claim settlement server finishes the claim settlement processing on the target electronic ticket, the claim settlement server may issue a claim settlement record corresponding to the target electronic ticket to the block chain for deposit.

In the above technical solution, the claim settlement server may query, in response to a query operation initiated by the claim settlement receiver and directed at identification information of an electronic ticket to be claimed in the claim settlement information submitted by the claim settlement user, whether a claim settlement record corresponding to the electronic ticket is stored in the block chain, and perform claim settlement processing on the electronic ticket when no claim settlement record corresponding to the electronic ticket is stored in the block chain. In such a way, for the claim information submitted by the claim settling user, the electronic bills which may have been subjected to claim settling can be filtered according to the identification information of the electronic bills in the claim information, and the claim settling processing is performed only for the electronic bills which are not reimbursed, so that the safety and reliability of the claim settling can be improved, and the occurrence of repeated claim settling events in the claim settling is avoided.

Referring to fig. 7, fig. 7 is a flowchart illustrating another method for claim settlement based on block chains according to an exemplary embodiment of the present disclosure.

step 702, acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed.

Step 704, responding to the repeated claim settlement query operation aiming at the target electronic bill initiated by the claim settlement recipient, invoking the bill verification logic in the intelligent contract, and verifying whether the target electronic bill meets the preset claim settlement condition.

Step 706, if the target electronic bill passes the verification, inquiring whether a claim settlement record corresponding to the identification information of the target electronic bill is stored in the block chain.

Step 708, if the claim settlement data corresponding to the identification information of the target electronic bill is not stored in the block chain, performing claim settlement processing on the target electronic bill.

Step 710, when the claim settlement processing for the target electronic ticket is completed, issuing a claim settlement record corresponding to the target electronic ticket to the block chain for deposit.

And 712, if the target electronic bill fails to be checked, returning a prompt message that the target electronic bill cannot be subjected to claim settlement to the claim settlement client.

In step 714, if the block chain already stores the claim data corresponding to the identification information of the target electronic ticket, a prompt message that the target electronic ticket cannot be used for claim processing is returned to the claim settlement client.

The specific implementation of the above steps 702 to 714 can refer to the embodiment shown in fig. 6, and the description of this specification is not repeated herein.

Referring to fig. 8, fig. 8 is a flowchart illustrating another method for claim settlement based on block chains according to an exemplary embodiment of the present disclosure.

step 802, acquiring the claim settlement information submitted by the claim settlement user through the claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed.

Step 804, in response to repeated claim settlement query operations aiming at the target electronic bill initiated by a claim settlement recipient, invoking an authority verification logic in the intelligent contract to verify whether the claim settlement user authorizes the query authority of the target electronic bill stored on the block chain to the claim settlement recipient.

Step 806, if the claim settling user has authorized the query authority of the target electronic voucher stored in the block chain to the claim settling receiver, querying whether a claim settling record corresponding to the identification information of the target electronic ticket is stored in the block chain.

Step 808, if the claim settlement data corresponding to the identification information of the target electronic bill is not stored in the block chain, performing claim settlement processing on the target electronic bill.

Step 810, when the claim settlement processing for the target electronic bill is completed, issuing the claim settlement record corresponding to the target electronic bill to the block chain for evidence storage.

In step 812, if the claim settling user does not authorize the query right of the target electronic voucher stored in the block chain to the claim settling receiver, a prompt message that the target electronic ticket cannot be subjected to claim settling is returned to the claim settling client.

Step 814, if the block chain already stores the claim data corresponding to the identification information of the target electronic ticket, then a prompt message that the target electronic ticket cannot be used for claim processing is returned to the claim settlement client.

The embodiments of steps 802 to 814 can refer to the embodiment shown in fig. 6, and the description of this specification is omitted here.

Corresponding to the embodiments of the claim settlement method based on the block chain, the present specification also provides embodiments of the claim settlement device based on the block chain.

The embodiment of the claim settlement device based on the block chain can be applied to electronic equipment. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading, by a processor of the electronic device where the device is located, a corresponding computer program instruction in the nonvolatile memory into the memory for operation. From a hardware aspect, as shown in fig. 9, a hardware structure diagram of an electronic device in which the claim settlement device based on a block chain is located in this specification is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 9, the electronic device in which the device is located in the embodiment may also include other hardware according to an actual function of the claim settlement based on the block chain, which is not described again.

Referring to fig. 10, fig. 10 is a block diagram of a claim settlement apparatus based on a block chain according to an exemplary embodiment of the present specification. The claim settlement device 100 based on the block chain can be applied to an electronic device as shown in fig. 9, the electronic device can be used as a claim settlement server corresponding to a claim collector, and the block chain is deployed with an intelligent contract for performing claim settlement management on an electronic ticket related to a user and stored on the block chain; wherein the intelligent contract maintains a claim settlement status corresponding to the electronic ticket; the claim settlement device 100 based on the blockchain may include:

the obtaining module 1001 obtains claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed;

the query module 1002 is configured to invoke query logic in the intelligent contract in response to repeated claim settlement query operations for the target electronic tickets initiated by a claim collector, and query a claim settlement state of the target electronic tickets maintained by the intelligent contract and corresponding to the identification information;

the claim settlement module 1003, if the target electronic bill is in an unclamped state, performs claim settlement processing on the target electronic bill.

Referring to fig. 11, fig. 11 is a block diagram of another claim settling apparatus based on a block chain according to an exemplary embodiment of the present disclosure. The claim settlement device 110 based on the block chain can be applied to the electronic device shown in fig. 9, the electronic device can be used as a claim settlement server corresponding to a claim collector, and the block chain is used for storing claim settlement data corresponding to electronic bills related to users; wherein the claim settlement data comprises identification information of the electronic bill; the claim settlement device 110 based on block chains may include:

the acquisition module 1101 is used for acquiring the claim settlement information submitted by a claim settlement user through a claim settlement client; the claim settlement information comprises identification information of a target electronic bill to be claimed;

the query module 1102 is configured to query whether a claim settlement record corresponding to the identification information of the target electronic ticket is stored in the block chain in response to a repeated claim settlement query operation for the target electronic ticket initiated by a claim settlement recipient;

the claim settlement module 1103 performs claim settlement processing on the target electronic ticket if the claim settlement data corresponding to the identification information of the target electronic ticket is not stored in the block chain.

The implementation process of the functions and actions of each module in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.

For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, wherein the modules described as separate parts may or may not be physically separate, and the parts displayed as modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.

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. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage, quantum memory, graphene-based storage media 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 foregoing description has been directed to specific embodiments of this disclosure. 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 terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in one or more embodiments of the present description to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of one or more embodiments herein. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.

Claims

1. A claim settlement method based on a block chain is applied to a claim settlement server corresponding to a claim settlement acceptor, and the block chain is deployed with an intelligent contract for performing claim settlement management on electronic bills related to a user; wherein the intelligent contract maintains a claim settlement status corresponding to the electronic ticket;

the method comprises the following steps:

2. The method of claim 1, the claim status further comprising an in-claim status and a completed claim status;

the method further comprises the following steps:

and if the claim settlement state of the target electronic bill indicates that the target electronic bill is in a finished claim settlement state or in a claim settlement state, returning prompt information that the target electronic bill cannot carry out claim settlement to the claim settlement client.

3. The method of claim 1, if the target electronic ticket is in an outstanding state, performing claim settlement processing on the target electronic ticket, comprising:

and if the target electronic bill is in an unclamped state, calling state maintenance logic in the intelligent contract, switching the target electronic bill to a claim-settling state, and further performing claim settlement processing on the target electronic bill after switching the target electronic bill to the claim-settling state.

4. The method of claim 1, performing claims processing on the target electronic ticket, comprising:

and calling a claim settlement logic in the intelligent contract, and calculating a claim settlement amount corresponding to the target electronic bill so that the claim settlement acceptor pays the claim settlement funds to the claim settlement user based on the claim settlement amount.

5. The method of claim 1, before invoking query logic in the intelligent contract to query for a claim settlement status of a target electronic ticket maintained by the intelligent contract and corresponding to the identification information, further comprising:

and invoking bill verification logic in the intelligent contract to verify whether the target electronic bill meets a preset claim settlement condition, and further invoking query logic in the intelligent contract to query the claim settlement state of the target electronic bill corresponding to the identification information and maintained by the intelligent contract when the target electronic bill passes the verification.

6. The method of claim 5, performing a ticket validation on the target electronic ticket, comprising:

and submitting the target electronic bill to a third party bill verification service terminal outside a chain through a language predicting machine program so as to verify whether the target electronic bill meets a preset claim settlement condition or not by the third party bill verification service terminal, and receiving a bill verification result aiming at the target electronic bill returned by the third party bill verification service terminal through the language predicting machine program.

7. The method of claim 1, before invoking query logic in the intelligent contract to query for a claim settlement status of a target electronic ticket maintained by the intelligent contract and corresponding to the identification information, further comprising:

invoking an authority verification logic in the intelligent contract to verify whether the claim settling user authorizes the query authority of the target electronic bill stored on the block chain to the claim settling receiver; if yes, further invoking a query logic in the intelligent contract to query the claim settlement state of the target electronic bill which is maintained by the intelligent contract and corresponds to the identification information.

8. The method of claim 7, verifying whether the claim user authorizes the claim taker with the query authority of the target electronic ticket stored on the block chain, comprising:

inquiring whether the block chain stores inquiry authority authorization information corresponding to the target electronic bill stored in the block chain; the inquiry authority authorization information comprises the identity of the user and the identification information of the claim settlement acceptor; if so, determining that the claim settlement user authorizes the query authority of the target electronic bill stored on the block chain to the claim settlement receiver.

9. The method of claim 7, wherein the invocation parameters for the intelligent contract submitted by the claim acceptor include a query permission authorization credential; the query authority authorization voucher comprises a verifiable voucher corresponding to an authorization action of the claim settling user for authorizing the query authority of the target electronic bill stored in the block chain to the claim settling receiver;

verifying whether the claim settlement user authorizes the query authority of the target electronic bill stored on the block chain to the claim settlement receiver, including:

verifying the verifiable credentials; and if the check is passed, determining that the claim settling user authorizes the query authority of the target electronic bill stored on the block chain to the claim settling receiver.

10. The method of claim 1, further comprising:

and when the claim settlement processing aiming at the target electronic bill is finished, calling a evidence storage logic in the intelligent contract, issuing a claim settlement record corresponding to the target electronic bill to the block chain for evidence storage, further calling a state maintenance logic in the intelligent contract after the evidence storage is finished, and switching the target electronic bill into a state of finished claim settlement.

11. The method of claim 1, further comprising:

and when the query of the claim settlement state of the target electronic bill is finished, further calling a charging logic in the intelligent contract to generate a charging amount corresponding to the query, so that the claim settlement accepting party pays a corresponding query fee to the operator of the block chain based on the charging amount.

12. The method of claim 1, the blockchain comprising a federation chain; the federation members of the federation chain include a number of claim acceptors.

13. The method of claim 1, the claim comprising a medical insurance claim; the electronic ticket includes an electronic ticket associated with a medical record of the user.

14. A claim settlement method based on a block chain is applied to a claim settlement server corresponding to a claim settlement acceptor, wherein the block chain is used for storing claim settlement records corresponding to electronic bills related to a user; wherein the claim settlement record comprises identification information of the electronic bill;

the method comprises the following steps:

and if the claim settlement record corresponding to the identification information of the target electronic bill is not stored in the block chain, performing claim settlement processing on the target electronic bill.

15. The method of claim 14, further comprising:

and if the block chain stores a claim settlement record corresponding to the identification information of the target electronic bill, returning prompt information that the target electronic bill cannot carry out claim settlement processing to the claim settlement client.

16. The method of claim 14, further comprising:

and when the claim settlement processing aiming at the target electronic bill is completed, issuing a claim settlement record corresponding to the target electronic bill to the block chain for evidence storage.

17. The method of claim 14, performing claims processing on the target electronic ticket, comprising:

and calling a claim settlement logic in the intelligent contract deployed on the blockchain, and calculating a claim settlement amount corresponding to the target electronic bill so that the claim settlement acceptor pays the claim settlement funds to the claim settlement user based on the claim settlement amount.

18. The method of claim 14, before querying whether a claim settlement record corresponding to the identification information of the target electronic ticket is stored in the blockchain, further comprising:

and calling bill checking logic deployed in the intelligent contract on the block chain, checking whether the target electronic bill meets a preset claim settlement condition, and further inquiring whether a claim settlement record corresponding to the identification information of the target electronic bill is stored in the block chain when the target electronic bill passes the check.

19. The method of claim 18, performing a ticket validation on the target electronic ticket, comprising:

20. The method of claim 14, before querying whether a claim settlement record corresponding to the identification information of the target electronic ticket is stored in the blockchain, further comprising:

invoking an authority verification logic in an intelligent contract deployed on the block chain, and verifying whether the claim settling user authorizes the query authority of the target electronic bill stored on the block chain to the claim settling receiver; and if so, further inquiring whether a claim settlement record corresponding to the identification information of the target electronic bill is stored in the block chain.

21. The method of claim 20, verifying whether the claim user authorizes the claim taker with the query authority of the target electronic ticket stored on the block chain, comprising:

22. The method of claim 20, wherein the invocation parameters for the intelligent contract submitted by the claims recipient include a query permission authorization credential; the query authority authorization voucher comprises a verifiable voucher corresponding to an authorization action of the claim settling user for authorizing the query authority of the target electronic bill stored in the block chain to the claim settling receiver;

23. The method of claim 14, the blockchain comprising a federation chain; the federation members of the federation chain include a number of claim acceptors.

24. The method of claim 14, the claim comprises a medical insurance claim; the electronic ticket includes an electronic ticket associated with a medical record of the user.

25. A claim settlement device based on a block chain is applied to a claim settlement server corresponding to a claim settlement acceptor, and the block chain is provided with an intelligent contract for performing claim settlement management on electronic bills related to a user and stored on the block chain; wherein the intelligent contract maintains a claim settlement status corresponding to the electronic ticket;

the device comprises:

26. A claim settlement device based on a block chain is applied to a claim settlement server corresponding to a claim settlement acceptor, and the block chain is used for storing claim settlement data corresponding to electronic bills related to a user; wherein the claim settlement data comprises identification information of the electronic bill;

the device comprises:

27. An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the method of any of claims 1-13 or 14-24 by executing the executable instructions.

28. A computer readable storage medium having stored thereon computer instructions which, when executed by a processor, carry out the steps of the method according to any one of claims 1-13 or 14-24.