CN114297724A - Electronic contract verification method, electronic contract, document verification system and storage medium - Google Patents
Electronic contract verification method, electronic contract, document verification system and storage medium Download PDFInfo
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- CN114297724A CN114297724A CN202111564007.2A CN202111564007A CN114297724A CN 114297724 A CN114297724 A CN 114297724A CN 202111564007 A CN202111564007 A CN 202111564007A CN 114297724 A CN114297724 A CN 114297724A
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Abstract
The embodiment of the invention provides an electronic contract evidence storing method, an electronic contract, a document evidence storing system and a storage medium. The electronic contract verification method is used for first electronic equipment and comprises the following steps: acquiring a block chain evidence storage service interface to generate a block chain account; acquiring a transaction record corresponding to the service information and original core data corresponding to the transaction record; performing hash operation according to the transaction record and the original core data corresponding to the transaction record to generate a first hash value; and sending the transaction record and the first hash value to the blockchain account for any transaction party corresponding to the service information to check. On one hand, human errors which easily exist during manual entry can be avoided, and on the other hand, the efficiency of transaction record storage is improved. In addition, the transaction records are stored online through the blockchain, so that the problem of data tampering can be avoided, the credibility of data information is improved, and the credibility of both transaction parties is improved.
Description
Technical Field
The invention relates to the technical field of certificate storage, in particular to an electronic contract certificate storage method, an electronic contract, a document certificate storage system and a storage medium.
Background
According to the're-insurance business management regulation ' of the China Bank insurance supervision and management Committee (revised in 2015), ' the regulation is called re-insurance, which means that the insurer partially transfers the insurance business born by the insurer to the operation of other insurers; the direct insurance, also called original insurance, is an insurance in terms of reinsurance, and the insurance contract made by the applicant and the insurer directly. The generation of "reinsurance" is intended to distract the risk and responsibility of the original insurance and is called "insurance of insurance".
However, because of the low informatization degree of original insurance and reinsurance, reinsurance business processing depends on a large amount of manpower to communicate with the straight insurance company in the form of mails and telephones, and repeatedly inquire price, negotiate price and negotiate terms. And then, the transaction information is input into the local management system in a manual operation mode, so that the efficiency is low, and human input errors are easily caused, and potential information error risks such as financial affairs and the like are caused. Moreover, the mutual trust between the two parties of the transaction is easily caused by poor credibility of the data.
Disclosure of Invention
The present invention is directed to solving at least one of the problems of the prior art or the related art.
To this end, a first aspect of embodiments of the present invention is to propose an electronic contract validation method for a first electronic device.
A second aspect of an embodiment of the present invention is to provide an electronic contract verification method for a server.
A third aspect of embodiments of the present invention is to provide an electronic contract, document deposit system.
A fourth aspect of embodiments of the present invention is directed to a read-only storage medium.
In view of this, according to a first aspect of the embodiments of the present invention, there is provided an electronic contract verification method for a first electronic device, including: acquiring a block chain certificate storage service interface to generate a block chain account on a server; acquiring a transaction record corresponding to the service information and original core data corresponding to the transaction record; performing hash operation according to the transaction record and the original core data corresponding to the transaction record to generate a first hash value; and sending the transaction record and the first hash value to the blockchain account for any transaction party corresponding to the service information to check.
The electronic contract deposit certificate method for the first electronic device provided by the embodiment of the invention is used for generating the block chain account and obtaining the public key and the private key required by encryption and decryption by obtaining the block chain deposit certificate service interface. The transaction record corresponding to the service information and the original core data corresponding to the transaction record are obtained and used for generating a first hash value, and the transaction record and the first hash value are sent to the block chain account, so that any transaction party corresponding to the service information can check the transaction record and the original core data. The transaction records corresponding to the business information are sent to the blockchain account, so that blockchain evidence storage of the transaction records is realized, namely, online storage of the transaction records is realized, manual entry into a local system is not needed, on one hand, human errors which easily exist during manual entry can be avoided, and on the other hand, the efficiency of transaction record storage is improved. In addition, the transaction records are stored online through the blockchain, so that the problem of data tampering can be avoided, the credibility of data information is improved, and the credibility of both transaction parties is improved. Furthermore, a first hash value is generated by performing hash operation on the transaction record and original core data corresponding to the transaction record, and the first hash value and the transaction record are stored in a block chain account in an associated manner, so that on one hand, encryption of the transaction record can be realized, only a transaction party corresponding to the service information can check the transaction record, the security of transaction record storage is improved, and data information leakage is avoided; on the other hand, the data information storage speed and the searching speed can be improved, and when any trading party corresponding to the service information wants to check the transaction record, the transaction record can be quickly provided for the trading party to check.
In addition, according to the electronic contract verification method for the first electronic device in the above technical solution provided by the present invention, the following additional technical features may also be provided:
in the above technical solution, the electronic contract verification method further includes: acquiring any operation event in a communication process corresponding to the service information and original core data corresponding to the operation event; performing hash operation according to any operation event and original core data corresponding to the operation event to generate any hash value; and sending any hash value to the blockchain account for storage of the blockchain account.
In the technical scheme, the electronic contract evidence storing method further comprises the steps of acquiring any operation event and original core data corresponding to the operation event in the communication process corresponding to the service information, and performing hash operation according to the operation event and the original core data corresponding to the operation event to generate any hash value. On one hand, the communication process of the business information and the transaction record of the business information are stored in a correlation mode, so that the data integrity of the business information is improved, any transaction party can conveniently check the business information, and further the transaction safety is improved. On the other hand, the operation event of the service information in the communication process is generated into the hash value and sent to the block chain account for storage, so that the safety of the account information can be further improved, and the data information leakage is avoided.
In any of the above technical solutions, the transaction party includes a first transaction party and a second transaction party, and the electronic contract verification method further includes: and the first trading party sends the business object information corresponding to the business information to the blockchain account for the second trading party to use.
In the technical scheme, the trading parties comprise a first trading party and a second trading party. On one hand, the business object information is uploaded to the blockchain account to be used by the second transaction party, so that data information can be prevented from being tampered, and the safety of the data information is improved. On the other hand, by uploading the business object information, the right of awareness of the second transaction party can be ensured, the transparency of the business information is increased, and the safety of the business corresponding to the business information is improved.
In any of the above technical solutions, in addition to the first transaction part and the second transaction part, the transaction system further includes three or more transaction forms, that is, the first transaction part and the second, third, fourth, etc. transaction parts initiate transactions simultaneously. When multiple parties trade together, the business object information is uploaded to the multiple block chain accounts to be used by the multiple trading parties, so that data information can be prevented from being tampered, and the safety of the data information is improved. Meanwhile, the key information is encrypted, and then the corresponding transaction party uses the private key to decrypt. Business confidentiality of all parties is guaranteed, and meanwhile transparency of business information is increased.
In any of the above technical solutions, the electronic contract verification method further includes: and sending the document fingerprint, the document core data, the service state of the service information and the identity data in the service information to the blockchain account.
In the technical scheme, the document fingerprint, the document core data, the service state of the service information and the identity data in the service information are sent to the blockchain account, so that the blockchain account can be stored in a designated certificate authority, on one hand, the document fingerprint, the document core data, the service state and the identity data can be prevented from being illegally tampered, and the safety of the evidence data information is improved. On the other hand, when disputes (such as default, infringement and the like) occur, the courts can achieve chain evidence collection through the block chain accounts, online auditing is achieved, convenience of evidence collection is improved, and enterprises can efficiently solve the disputes.
According to a second aspect of the embodiments of the present invention, there is provided an electronic contract verification method for a server, including: acquiring a transaction record and a first hash value sent by first electronic equipment, and storing the transaction record and the first hash value; acquiring an inspection request of any transaction party corresponding to the service information, wherein the service information is configured in the inspection request; and matching the corresponding transaction records according to the service information, and sending the transaction records to a transaction party.
The electronic contract evidence storing method provided by the embodiment of the invention is used for a server. By acquiring and storing the transaction record and the first hash value sent by the first electronic device, block chaining verification of the transaction record is realized, that is, online storage of the transaction record is realized, so that any transaction party corresponding to the service information can conveniently check the transaction record. The server stores the transaction record corresponding to the service information to the blockchain account, and the transaction record does not need to be manually input into a local system, so that on one hand, human errors which easily exist during manual input can be avoided, and on the other hand, the efficiency of storing the transaction record is improved. In addition, the transaction records are stored online through the blockchain, so that the problem of data tampering can be avoided, the credibility of data information is improved, and the credibility of both transaction parties is improved. Furthermore, the server stores the first hash value and the transaction record in the blockchain account in an associated manner, so that on one hand, the encryption of the transaction record can be realized, only a transaction party corresponding to the service information can check the transaction record, the security of transaction record storage is improved, and data information leakage is avoided; on the other hand, the data information storage speed and the searching speed can be improved, and when any trading party corresponding to the service information wants to check the transaction record, the transaction record can be quickly provided for the trading party to check.
In addition, according to the electronic contract verification method for the server in the above technical solution provided by the present invention, the following additional technical features may also be provided:
in the above technical solution, the electronic contract verification method includes: acquiring any hash value sent by first electronic equipment; performing a consensus operation on any of the hash values to generate a timestamp and a blockchain certificate; the timestamp and blockchain certificate are stored in association with the transaction record.
In this technical solution, in this embodiment, the server obtains any hash value sent by the first electronic device, and performs consensus operation on any hash value to generate a timestamp and a blockchain certificate. By storing the timestamp and the block chain certificate in association with the transaction record, on one hand, the security of the transaction record is improved, the transaction record data corresponding to the business information can be prevented from being leaked, on the other hand, the transaction record data corresponding to the business information can be prevented from being tampered, the authenticity and the credibility of the data information are improved, all operation events in the communication process corresponding to the business information can be infinitely traced and can be checked at any time and cannot be changed, and the credibility of all parties in the transaction is improved.
In any of the above technical solutions, the transaction party includes a first transaction party and a second transaction party, and the electronic contract deposit and verification method further includes: acquiring and storing business object information corresponding to business information sent by a first trading party; acquiring a service object query request sent by a second transaction party, wherein service information is configured in the service object query request; and matching the corresponding business object information according to the business information, and sending the business object information to the second transaction party.
In the technical scheme, the trading parties comprise a first trading party and a second trading party. And the server acquires and stores the business object information corresponding to the business information sent by the first transaction party. And when the server receives a business object query request sent by the second trading party, matching corresponding business object information according to the business information, and sending the business object information to the second trading party for the second trading party to use. The server stores the business object information provided by the first trading party and allows the second trading party to call the business object information, so that on one hand, the business object information can be prevented from being tampered, and the safety of the data information is improved. On the other hand, by uploading the business object information, the right of awareness of the second transaction party can be ensured, the transparency of the business information is increased, and the safety of the business corresponding to the business information is improved.
In any of the above technical solutions, the method for storing and verifying the electronic contract further includes: and receiving the document fingerprint, the document core data, the service state of the service information and the identity data in the service information sent by the first electronic equipment, and storing the document fingerprint, the document core data, the service state of the service information and the identity data in the service information to a specified certificate storage organ.
In the technical scheme, the server receives the document fingerprint, the document core data, the service state of the service information and the identity data in the service information sent by the first electronic device and stores the document fingerprint, the document core data, the service state and the identity data in the service information to a designated certificate storage authority. On the other hand, the convenience of evidence taking is improved, and when disputes (such as default, infringement and the like) occur, the courts can achieve chain evidence taking and online auditing through the block chain accounts, so that enterprises can efficiently solve the disputes.
According to a third aspect of embodiments of the present invention, there is provided an electronic contract, document presentment system comprising: a first electronic device, the first electronic device comprising: the first storage stores programs or instructions, and the first processor executes the programs or instructions to implement the steps of the electronic contract certification method for the first electronic device in any technical scheme of the first aspect; a server, the server comprising: the third storage stores programs or instructions, and the third processor executes the programs or instructions to implement the steps of the electronic contract verification method for the server in any technical scheme of the second aspect.
The electronic contract and the document verification system provided by the embodiment of the invention can realize the steps of the electronic contract verification method for the first electronic equipment in any technical scheme of the first aspect and the steps of the electronic contract verification method for the server in any technical scheme of the second aspect. Therefore, the electronic contract verification method for the first electronic device in any technical solution of the first aspect and the electronic contract verification method for the server in any technical solution of the second aspect have all beneficial technical effects, and are not described herein again.
Electronic contracts include, but are not limited to, temporary reinsurance contracts, temporary reinsurance contract terms, reservation reinsurance contract terms in an electronic presentation or storage format.
Electronic documents include, but are not limited to, insurance policies, lots, claims, statements, and the like in an electronically presented or stored format.
According to a fourth aspect of the embodiments of the present invention, there is provided a read-only storage medium, on which a program or instructions are stored, the computer program, when executed by a processor, implementing the steps of the electronic contract validation method for a first electronic device according to any one of the first aspect, or the program or instructions, when executed by the processor, implementing the steps of the electronic contract validation method for a server according to any one of the second aspect.
The read-only storage medium provided in the embodiment of the present invention can implement the steps of the electronic contract verification method for the first electronic device in any technical scheme of the first aspect, or implement the steps of the electronic contract verification method for the server in any technical scheme of the second aspect. Therefore, the electronic contract verification method for the first electronic device in any technical solution of the first aspect or the electronic contract verification method for the server in any technical solution of the second aspect has all beneficial technical effects, and details are not repeated herein.
Additional aspects and advantages of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention.
Drawings
The above and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 illustrates a flow diagram of an electronic contract validation method of one embodiment of the invention;
FIG. 2 illustrates a flow diagram of an electronic contract validation method of yet another embodiment of the present invention;
FIG. 3 illustrates a flow diagram of an electronic contract validation method of yet another embodiment of the present invention;
FIG. 4 illustrates a flow diagram of an electronic contract validation method of yet another embodiment of the present invention;
FIG. 5 illustrates a flow diagram of an electronic contract validation method of yet another embodiment of the present invention;
FIG. 6 illustrates a schematic block diagram of an electronic contract, document presence system, according to one embodiment of the present invention;
FIG. 7 shows a schematic diagram of an electronic contract, document presence system of yet another embodiment of the present invention;
fig. 8 shows a schematic diagram of an electronic contract, document presence system of yet another embodiment of the present invention.
Wherein, the corresponding relation between the reference signs and the component names is as follows:
600 an electronic contract, a document verification system, 602 a first electronic device, 604 a server, 606 a first transaction part, 608 a second transaction part.
Detailed Description
In order that the above objects, features and advantages of the present invention can be more clearly understood, a more particular description of the invention will be rendered by reference to the appended drawings. It should be noted that the embodiments and features of the embodiments of the present application may be combined with each other without conflict.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention, however, the present invention may be practiced in other ways than those specifically described herein, and therefore the scope of the present invention is not limited by the specific embodiments disclosed below.
An electronic contract validation method, an electronic contract, a document validation system, and a read-only storage medium provided according to some embodiments of the present invention are described below with reference to fig. 1 through 8.
Example one
As shown in fig. 1, an embodiment provides an electronic contract verification method for a first electronic device, including:
102, acquiring a block chain evidence storage service interface to generate a block chain account on a server;
106, performing hash operation according to the transaction record and the original core data corresponding to the transaction record to generate a first hash value;
and step 108, sending the transaction record and the first hash value to the blockchain account for any transaction party corresponding to the service information to check.
The electronic contract deposit evidence method for the first electronic device, provided by the embodiment of the invention, is used for generating the block chain account by acquiring the block chain deposit evidence service interface. The transaction record corresponding to the service information and the original core data corresponding to the transaction record are obtained and used for generating a first hash value, and the transaction record and the first hash value are sent to the block chain account, so that any transaction party corresponding to the service information can check the transaction record and the original core data. The transaction records corresponding to the business information are sent to the blockchain account, so that blockchain evidence storage of the transaction records is realized, namely, online storage of the transaction records is realized, manual entry into a local system is not needed, on one hand, human errors which easily exist during manual entry can be avoided, and on the other hand, the efficiency of transaction record storage is improved. In addition, the transaction records are stored online through the blockchain, so that the problem of data tampering can be avoided, the credibility of data information is improved, and the credibility of both transaction parties is improved. Furthermore, a first hash value is generated by performing hash operation on the transaction record and original core data corresponding to the transaction record, and the first hash value and the transaction record are stored in a block chain account in an associated manner, so that on one hand, encryption of the transaction record can be realized, only a transaction party corresponding to the service information can check the transaction record, the security of transaction record storage is improved, and data information leakage is avoided; on the other hand, the data information storage speed and the searching speed can be improved, and when any trading party corresponding to the service information wants to check the transaction record, the transaction record can be quickly provided for the trading party to check.
In this embodiment, the transaction record includes one or more of contract signing, contract execution, bill validation, bill modification, payment of funds, and contract termination. Further, the transaction record may also include one or more of contract signing time, contract execution time, bill validation time, bill modification time, payment account time, contract expiration time.
In this embodiment, after the transaction record and the first hash value are sent to the blockchain account, the blockchain account synchronizes the transaction record and the first hash value to any transaction party so that any transaction can be validated at any time.
In one embodiment, party pinging generally includes querying and validating, i.e., querying a transaction record and validating the transaction record.
In yet another embodiment, the server provides the counterparty with a user interface that can track and verify the contract information and the operational trajectory data of the contract validation process. And carrying out credit endorsement on the transaction process by using a block chain non-tampering mechanism, and carrying out flow verification on the verification data corresponding to the business core data in a hash value mode.
In another embodiment, any transaction party may perform operations such as crediting and checking, intelligent claim settlement and the like in real time on its own node through a user interface provided by the blockchain account. Specifically, the policy maintenance inquiry and verification page provided by the blockchain account performs operations such as verification and verification, intelligent claim settlement and the like.
Example two
As shown in fig. 2, on the basis of the foregoing embodiment, a second embodiment provides an electronic contract verification method, further defining that the electronic contract verification method further includes:
In this embodiment, the electronic contract evidence storing method further includes acquiring any operation event and original core data corresponding to any operation event in the communication process corresponding to the service information, and performing hash operation according to any operation event and the original core data corresponding to any operation event to generate any hash value. On one hand, the communication process of the business information and the transaction record of the business information are stored in a correlation mode, so that the data integrity of the business information is improved, any transaction party can conveniently check the business information, and further the transaction safety is improved. On the other hand, the operation event of the service information in the communication process is generated into the hash value and sent to the block chain account for storage, so that the safety of the account information can be further improved, and the data information leakage is avoided.
In an embodiment, the step of obtaining any operation event and original core data corresponding to any operation event in the communication process corresponding to the service information may be before the step of obtaining the transaction record corresponding to the service information and the original core data corresponding to the transaction record. In another embodiment, the step of obtaining any operation event and original core data corresponding to any operation event in the communication process corresponding to the service information may be after the step of obtaining the transaction record corresponding to the service information and the original core data corresponding to the transaction record.
In this embodiment, the operational events include one or more of project release, project offer, and project re-negotiation. Specifically, in one embodiment, the business information is reinsurance business information and the operational event may include underwriting confirmation and/or renewal.
According to the electronic contract certification storing method provided by the embodiment of the invention, any operation event and any original core data corresponding to the operation event are subjected to Hash operation to generate any Hash value, so that the data in the blockchain account is encrypted, the records and data of all transaction parties are fully protected, the data in the blockchain account can not be falsified through encryption processing, credit endorsement is carried out on the transaction process of the business information, and the safety of the business information data is improved.
The electronic contract evidence storing method provided by the embodiment of the invention can be combined with a reinsurance contract and a document management platform so as to deploy a local client for the reinsurance company. In one implementation mode, the two transaction parties search for a transaction opponent through the block chain reinsurance transaction platform and carry out point-to-point transaction, so that intermediate links are eliminated, and the transaction flow is greatly reduced. The informatization capability of the reinsurance company is improved, the informatization and the automation of the transaction are realized, the manual offline operation cost is reduced, and meanwhile, the manual operation error is avoided.
The electronic contract evidence-saving method provided by the embodiment of the invention can automatically match a corresponding transaction inquiry bill for the reinsurance company and the direct insurance company by using the intelligent contract through accessing the block chain, thereby reducing the time of repeated communication and price inquiry and negotiation of business personnel and improving the transaction efficiency. Meanwhile, the intelligent contract of the block chain can be used, so that intelligent paying is realized, a payment mode is overturned, and premium settlement, claim money allocation and prepared money extraction are accelerated. After each policy meeting the separation condition is in danger, the intelligent contract automatically triggers the claim payment, and real-time settlement can be realized instead of the previous settlement every quarter or every half year.
The electronic contract evidence storing method provided by the embodiment of the invention is used for carrying out bidirectional signing of the contract on the block chain based on the transaction process, thereby realizing legalization evidence storing and electronic archiving of the contract and bidirectional confirmation of the accounting information of the bill are recorded on the block chain.
In an implementation mode, independent nodes can be selected and deployed according to different IT (information technology) construction conditions of each transaction main body on a block chain, or a plug-in mode is used for carrying out transaction evidence storage on the chain, so that plug-and-play and batch generation are achieved.
In yet another embodiment, the block chain network can be provided with reliable access security authentication by smoothly integrating with the existing CA system of the enterprise. And providing multi-service channels and programmable chain codes to call resources and providing customized intelligent contracts for enterprise service operation.
Furthermore, for situations where the actual risk of the insured object (i.e., the insured life) is significant, the insured company often needs to contact multiple reinsurance companies at the same time, and in many cases will need to find a suitable counterparty through the reinsurance intermediary company. By uploading the transaction information to the blockchain account, the reinsurance transaction cost can be reduced, the transaction efficiency is improved, the situation of information asymmetry is reduced, and the complexity of checking processes in a multi-party transaction process is reduced.
EXAMPLE III
On the basis of any of the above embodiments, as shown in fig. 8, the transaction part includes a first transaction part 606 and a second transaction part 608, and the electronic contract validation method further includes: and the first trading party sends the business object information corresponding to the business information to the blockchain account for the second trading party to use.
In this embodiment, the trading parties include a first trading party 606 and a second trading party 608. On one hand, the business object information is uploaded to the blockchain account for use by the second transaction party, so that data information can be prevented from being tampered, and the safety of the data information is improved. On the other hand, by uploading the business object information, the right of awareness of the second transaction party can be ensured, the transparency of the business information is increased, and the safety of the business corresponding to the business information is improved.
In one embodiment, the service information is reinsurance service information. When the direct insurance company accepts the insurance policy, the insurance object information (namely the business object information) is uploaded to the block chain account, and then the insurance company acquires the business updating notice through the block chain account and can check the insurance object information uploaded by the direct insurance company. Further, the reinsurance company can also make more comprehensive risk assessment through the information of the insurance object uploaded by the direct insurance company, make more reasonable insurance amount and the loss rate, and avoid the situation of potential risks such as incomplete full-scale description of the actual risk by the direct insurance company and the like, so that the reinsurance company cannot accurately and completely assess the actual risk. In addition, by uploading insurance object information (namely business object information) to the block chain account, centralized storage of reinsurance historical data is realized, the data quality is high, the integration difficulty is low, the data mining processing level can be further improved, and the operation risks of links such as risk assessment, actuarial pricing and the like are reduced.
Further, the information of the insurance object is uploaded to the block chain account, so that the reinsurance company can directly contact the insured person of the original insurance policy, and the related information can not be acquired and specific business settlement can be carried out only through mails or offline information interaction of the directly insured company or the reinsurance intermediary company. The defects of asymmetry and opaqueness of the information of the original insurer and the reinsurer in the reinsurance business are thoroughly overcome, and the difficulty of evidencing and determining responsibility is also reduced. Meanwhile, the problems of high communication transaction cost, poor data availability, complex flow, low execution efficiency and the like in actual business operation are solved.
Further, the electronic contract verification method further comprises the following steps: and sending the document fingerprint, the document core data, the service state of the service information and the identity data in the service information to the blockchain account.
In the embodiment, the document fingerprint, the document core data, the service state of the service information and the identity data in the service information are sent to the blockchain account, so that the blockchain account can be stored in a designated certificate authority, on one hand, the document fingerprint, the document core data, the service state and the identity data can be prevented from being illegally tampered, and the security of the evidence data information is improved. On the other hand, when disputes (such as default, infringement and the like) occur, the courts can achieve chain evidence collection through the block chain accounts, online auditing is achieved, convenience of evidence collection is improved, and enterprises can efficiently solve the disputes.
In one embodiment, the blockchain account may store the certificate fingerprint, the certificate core data, the service status of the service information, and the identity data in the service information to a legal authority such as a court.
Example four
As shown in fig. 3, a fourth embodiment provides an electronic contract verification method, which is applied to a server, and includes:
and step 306, matching the corresponding transaction records according to the service information, and sending the transaction records to a transaction party.
The electronic contract evidence storing method provided by the embodiment of the invention is used for a server. By acquiring and storing the transaction record and the first hash value sent by the first electronic device, block chaining verification of the transaction record is realized, that is, online storage of the transaction record is realized, so that any transaction party corresponding to the service information can conveniently check the transaction record. The server stores the transaction record corresponding to the service information to the blockchain account, and the transaction record does not need to be manually input into a local system, so that on one hand, human errors which easily exist during manual input can be avoided, and on the other hand, the efficiency of storing the transaction record is improved. In addition, the transaction records are stored online through the blockchain, so that the problem of data tampering can be avoided, the credibility of data information is improved, and the credibility of both transaction parties is improved. Furthermore, the server stores the first hash value and the transaction record in the blockchain account in an associated manner, so that on one hand, the encryption of the transaction record can be realized, only a transaction party corresponding to the service information can check the transaction record, the security of transaction record storage is improved, and data information leakage is avoided; on the other hand, the data information storage speed and the searching speed can be improved, and when any trading party corresponding to the service information wants to check the transaction record, the transaction record can be quickly provided for the trading party to check.
In this embodiment, the transaction record includes one or more of contract signing, contract execution, bill validation, bill modification, payment of funds, and contract termination.
In one embodiment, party pinging generally includes querying and validating, i.e., querying a transaction record and validating the transaction record.
In an implementation mode, the server provides a block link certificate storage and verification interface for a transaction party, and can track and verify operation track data and hash values of any operation event (contract information and contract confirmation process) in a transaction record and communication process in real time, so that the safety of service information data is improved.
EXAMPLE five
As shown in fig. 4, on the basis of the fourth embodiment, the fifth embodiment provides an electronic contract verification method, further defining that the electronic contract verification method further includes:
at step 406, the timestamp and blockchain certificate are stored in association with the transaction record.
In this embodiment, the server obtains any hash value sent by the first electronic device, and performs a consensus operation on any hash value to generate a timestamp and a blockchain certificate. By storing the timestamp and the block chain certificate in association with the transaction record, on one hand, the security of the transaction record is improved, the transaction record data corresponding to the business information can be prevented from being leaked, on the other hand, the transaction record data corresponding to the business information can be prevented from being tampered, the authenticity and the credibility of the data information are improved, all operation events in the communication process corresponding to the business information can be infinitely traced and can be checked at any time and cannot be changed, and the credibility of all parties in the transaction is improved.
In this embodiment, the operational events include one or more of project release, project offer, and project re-negotiation. Specifically, in one embodiment, the business information is reinsurance business information and the operational event may include underwriting confirmation and/or renewal.
EXAMPLE six
As shown in fig. 8, on the basis of any of the above embodiments, the transaction part includes a first transaction part 606 and a second transaction part 608, and the electronic contract verification method further includes:
In this embodiment, the trading parties include a first trading party 606 and a second trading party 608. And the server acquires and stores the business object information corresponding to the business information sent by the first transaction party. And when the server receives a business object query request sent by the second trading party, matching corresponding business object information according to the business information, and sending the business object information to the second trading party for the second trading party to use. The server stores the business object information provided by the first trading party and allows the second trading party to call the business object information, so that on one hand, the business object information can be prevented from being tampered, and the safety of the data information is improved. On the other hand, by uploading the business object information, the right of awareness of the second transaction party can be ensured, the transparency of the business information is increased, and the safety of the business corresponding to the business information is improved.
In one embodiment, the service information is reinsurance service information. When the direct insurance company accepts the insurance policy, the insurance object information (namely the business object information) is uploaded to the block chain account, and then the insurance company acquires the business updating notice through the block chain account and can check the insurance object information uploaded by the direct insurance company. Further, the reinsurance company can also more comprehensively evaluate risks through the information of insurance objects uploaded by the straightaway insurance company, and make more reasonable insurance amount and the loss rate.
Further, the electronic contract verification method further comprises the following steps: and receiving the document fingerprint, the document core data, the service state of the service information and the identity data in the service information sent by the first electronic equipment, and storing the document fingerprint, the document core data, the service state of the service information and the identity data in the service information to a specified certificate storage organ.
In this embodiment, the document fingerprint, the document core data, the service state of the service information, and the identity data in the service information sent by the first electronic device are received and stored in the designated certificate storage authority, so that on one hand, the document fingerprint, the document core data, the service state, and the identity data can be prevented from being illegally tampered, and the security of the evidence data information is improved. On the other hand, the convenience of evidence taking is improved, and when disputes (such as default, infringement and the like) occur, the courts can achieve chain evidence taking and online auditing through the block chain accounts, so that enterprises can efficiently solve the disputes.
In one embodiment, the server may store the certificate fingerprint, the certificate core data, the service state of the service information, and the identity data in the service information to a judicial institution such as a court.
EXAMPLE seven
As shown in fig. 5, 6, 7 and 8, a seventh embodiment provides an electronic contract, document presence system 600 comprising: a first electronic device 602, the first electronic device 602 comprising: the first storage stores programs or instructions, and the first processor executes the programs or instructions to implement the steps of the electronic contract verification method for the first electronic device in any one of the above technical solutions; the server 604, the server 604 includes: the third storage stores programs or instructions, and the third processor executes the programs or instructions to implement the steps of the electronic contract verification method for the server in any one of the above technical solutions.
The electronic contract and document deposit system 600 provided in the embodiment of the present invention can implement the steps of the electronic contract deposit method for the first electronic device in any of the above-mentioned technical solutions, and the steps of the electronic contract deposit method for the server in any of the above-mentioned technical solutions. Therefore, the method for saving the electronic contract for the first electronic device in any one of the above technical solutions and the method for saving the electronic contract for the server in any one of the above technical solutions have all the beneficial technical effects, and are not described herein again.
Electronic contracts include, but are not limited to, temporary reinsurance contracts, temporary reinsurance contract terms, reservation reinsurance contract terms in an electronic presentation or storage format.
Electronic documents include, but are not limited to, insurance policies, lots, claims, statements, and the like in an electronically presented or stored format.
Example eight
An eighth embodiment provides a read-only storage medium, on which a program or instructions are stored, and the computer program when executed by a processor implements the steps of the electronic contract validation method for the first electronic device in any of the above-mentioned technical solutions, or the program or instructions when executed by the processor implements the steps of the electronic contract validation method for the server in any of the above-mentioned technical solutions.
The read-only storage medium provided in the embodiment of the present invention can implement the steps of the electronic contract verification method for the first electronic device in any one of the above technical solutions, or implement the steps of the electronic contract verification method for the server in any one of the above technical solutions. Therefore, the method for saving the electronic contract for the first electronic device in any one of the above technical solutions or the method for saving the electronic contract for the server in any one of the above technical solutions has all the beneficial technical effects, and details are not repeated herein.
It should be noted that the word 'comprising' does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is intended that the appended claims be interpreted as including preferred embodiments and all alterations and modifications as fall within the scope of the invention.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes will occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. An electronic contract verification method for a first electronic device, comprising:
acquiring a block chain certificate storage service interface to generate a block chain account on a server;
acquiring a transaction record corresponding to service information and original core data corresponding to the transaction record;
performing hash operation according to the transaction record and the original core data corresponding to the transaction record to generate a first hash value;
and sending the transaction record and the first hash value to the blockchain account for any transaction party corresponding to the business information to check.
2. The electronic contract validation method according to claim 1, wherein the electronic contract validation method further comprises:
acquiring any operation event in the communication process corresponding to the service information and original core data corresponding to any operation event;
performing hash operation according to any one operation event and the original core data corresponding to the operation event to generate any hash value;
and sending any one of the hash values to the blockchain account for storage by the blockchain account.
3. The electronic contract validation method according to claim 2, wherein the trading parties include a first trading party and a second trading party, the electronic contract validation method further comprising:
and the first transaction party sends the business object information corresponding to the business information to the blockchain account so as to be used by the second transaction party.
4. The electronic contract validation method according to claim 1, wherein the electronic contract validation method further comprises:
and sending the document fingerprint, the document core data, the service state of the service information and the identity data in the service information to the block chain account.
5. An electronic contract verification method for a server, comprising:
acquiring a transaction record and a first hash value sent by first electronic equipment, and storing the transaction record and the first hash value;
acquiring an inspection request of any transaction party corresponding to service information, wherein the service information is configured in the inspection request;
and matching the corresponding transaction record according to the service information, and sending the transaction record to the transaction party.
6. The electronic contract validation method according to claim 5, wherein the electronic contract validation method comprises:
acquiring any one hash value sent by the first electronic equipment;
performing a consensus operation on any of the hash values to generate a timestamp and a blockchain certificate;
storing the timestamp and blockchain certificate in association with the transaction record.
7. The electronic contract validation method according to claim 5, wherein the trading parties include a first trading party and a second trading party, the electronic contract validation method further comprising:
acquiring and storing business object information corresponding to the business information sent by the first transaction party;
acquiring a service object query request sent by the second transaction party, wherein service information is configured in the service object query request;
and matching corresponding business object information according to the business information, and sending the business object information to the second transaction party.
8. The electronic contract validation method according to claim 5, wherein the electronic contract validation method further comprises:
and receiving the document fingerprint, the document core data, the service state of the service information and the identity data in the service information sent by the first electronic equipment, and storing the document fingerprint, the document core data, the service state of the service information and the identity data in the service information to a specified certificate storage organization.
9. An electronic contract, document deposit system, comprising:
a first electronic device, the first electronic device comprising: a first memory storing a program or instructions and a first processor executing the program or instructions to perform the steps of the electronic contract validation method according to any of claims 1 to 4;
a server, the server comprising: a third memory storing a program or instructions and a third processor executing the program or instructions to perform the steps of the electronic contract validation method according to any of claims 5 to 8.
10. A read-only storage medium on which a program or instructions are stored, which program or instructions, when executed by a processor, carry out the steps of the electronic contract verification method according to any one of claims 1 to 4, or which program or instructions, when executed by a processor, carry out the steps of the electronic contract verification method according to any one of claims 5 to 8.
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| CN202111564007.2A CN114297724A (en) | 2021-12-20 | 2021-12-20 | Electronic contract verification method, electronic contract, document verification system and storage medium |
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| CN202111564007.2A CN114297724A (en) | 2021-12-20 | 2021-12-20 | Electronic contract verification method, electronic contract, document verification system and storage medium |
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