CN116703593A - Electronic warranty business supervision and approval method and system based on blockchain - Google Patents
Electronic warranty business supervision and approval method and system based on blockchain Download PDFInfo
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- CN116703593A CN116703593A CN202310697676.XA CN202310697676A CN116703593A CN 116703593 A CN116703593 A CN 116703593A CN 202310697676 A CN202310697676 A CN 202310697676A CN 116703593 A CN116703593 A CN 116703593A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6209—Protecting access to data via a platform, e.g. using keys or access control rules to a single file or object, e.g. in a secure envelope, encrypted and accessed using a key, or with access control rules appended to the object itself
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention relates to the field of blockchains and electronic warranties, in particular to a blockchain-based electronic warranty business supervision and approval method and system. The method comprises the following steps: constructing an insurance business chain and creating an intelligent contract; receiving the warranty application information, and writing the warranty application information into a warranty service chain through an intelligent contract; the method comprises the steps of sending the insurance letter application information to a corresponding insurance party terminal, and writing the electronic insurance letter information into an insurance letter service chain through an intelligent contract; the electronic warranty information is sent to the corresponding banking terminal, and the paying information is written into the warranty business chain through the intelligent contract; and sending the electronic warranty information and the money release information to the corresponding beneficiary terminal, and writing the warranty confirmation information into the warranty service chain through the intelligent contract. The invention can ensure the non-falsifiability and the authenticity of the electronic warranty business data through the block chain technology, and realize the automatic flow and management of the supervision and approval of the electronic warranty business through the intelligent contract.
Description
Technical Field
The invention relates to the field of blockchains and electronic warranties, in particular to a blockchain-based electronic warranty business supervision and approval method and system.
Background
The guaranty service refers to a written credit guaranty voucher developed by a bank or guaranty agency as an application by a guaranty, a guaranty or an anti-guaranty to the beneficiary, and the banked or guaranty agency substitutes legal actions of its performance compensation or payment responsibility when the guaranty is not in a defined performance obligation.
The electronic warranty is a product of the information age, and like paper warranty, an electronic warranty voucher is issued to the beneficiary by a bank, an insurance company, a vouchering company or other vouchering person at the request of the applicant, and guarantees that when the applicant fails to fulfill its responsibility or obligation according to a two-party agreement, the vouchering person performs a certain payment or economic reimbursement responsibility within a certain time limit instead of a certain amount, and the electronic warranty is generally a vouchering voucher with legal efficacy issued to the beneficiary by the vouchering person through a computer network by using a data telegram electronically signed by using a CA certificate as a medium.
However, in the existing electronic warranty supervision and approval system, the problem that data generated in each link of the electronic warranty service is easy to lose and tamper is existed, that is, the authenticity of the data of the electronic warranty service is difficult to be ensured, so that the security of the electronic warranty service is poor. Meanwhile, in the existing system, manual methods are adopted for circulation and management of electronic warranty business supervision and approval processes, and human factor interference exists, so that compliance of the electronic warranty business is poor. Therefore, how to design a supervision and approval method capable of improving the security and compliance of the electronic security service is a technical problem to be solved.
Disclosure of Invention
Aiming at the defects in the prior art, the invention aims to solve the technical problems that: how to provide a block chain-based electronic warranty business supervision and approval method, the non-falsification and the authenticity of electronic warranty business data can be ensured through a block chain technology, and the automatic flow conversion and the management of electronic warranty business supervision and approval are realized through intelligent contracts, so that the safety and the compliance of the electronic warranty business can be improved, and better technical support is provided for the development of the electronic warranty business.
In order to solve the technical problems, the invention adopts the following technical scheme:
the block chain-based electronic warranty business supervision and approval method comprises the following steps:
s1: constructing an insurance business chain based on a block chain technology, and creating an intelligent contract of the insurance business chain;
s2: receiving warranty application information containing application identity information and application limit information at an application terminal; checking the warranty application information through the intelligent contract, and writing the warranty application information into the warranty service chain;
s3: transmitting the guarantee function application information to a corresponding guarantee party terminal through an intelligent contract for credit examination by a guarantee party; then receiving electronic warranty information generated after credit approval according to the identity information and the application limit information of the applicant at a guarantee side terminal, and writing the electronic warranty information into a warranty service chain through an intelligent contract;
s4: the electronic warranty information is sent to the corresponding banking side terminal through the intelligent contract to enable the banking side to conduct warranty examination and approval; then receiving the money release information generated after the electronic warranty information is subjected to warranty approval at the banking terminal, and writing the money release information into the warranty business chain through the intelligent contract;
s5: the electronic insurance letter information and the paying information are sent to corresponding applicant terminals and beneficiary terminals through intelligent contracts so that the applicant terminals and the beneficiary terminals can carry out insurance letter confirmation; and then receiving the warranty confirmation information generated after the paying verification of the paying information at the applicant terminal and the beneficiary terminal, and writing the warranty confirmation information into the warranty service chain through the intelligent contract.
Preferably, after the guarantee side terminal receives the warrant application information, corresponding user credit information is firstly obtained according to the identity information of the application side, then credit examination is carried out on the application side according to the user credit information and the application limit information, and finally corresponding electronic warrant information is generated after the credit examination is passed.
Preferably, a set of public-private key pairs is generated at the vouchering party terminal by means of an asymmetric encryption algorithm, and the public keys are written into the intelligent contract.
Preferably, after the applicant terminal receives the warranty application information, the applicant application information is encrypted by the public key through the intelligent contract to generate the warranty application information ciphertext, and then the warranty application information ciphertext is written into the warranty service chain through the intelligent contract.
Preferably, the secret application information ciphertext is sent to the corresponding guarantee party terminal through the intelligent contract; after the guarantee side terminal receives the secret application information ciphertext, decrypting the secret application information ciphertext through the private key to obtain a secret application information plaintext.
Preferably, encrypting the electronic warranty information through a public key at the warranty terminal to obtain an electronic warranty ciphertext, then carrying out hash calculation on the electronic warranty ciphertext through a hash function to obtain an electronic warranty ciphertext hash value, and finally encrypting the electronic warranty ciphertext hash value through a private key to obtain a warranty digital signature;
in step S3, the electronic warranty information, the warranty digital signature and the public key are received at the warranty terminal;
in step S4, the electronic warranty information, the warranty digital signature and the public key are sent to the corresponding banking terminal through the intelligent contract; and then, checking and verifying the bank side terminal according to the warranty digital signature and the public key, and generating the payment information after the checking and verifying are passed.
Preferably, the banking terminal realizes approval verification by the following steps:
s401: calculating a corresponding public key address through the public key of the guarantee side terminal, and judging whether the public key address is consistent with the actual address of the guarantee side terminal or not: if yes, go to the next step, otherwise, go to step S405;
s402: decrypting the warranty digital signature through the public key of the guarantee side terminal to obtain an electronic warranty ciphertext hash value in the warranty digital signature;
s403: encrypting the electronic warranty information through the public key to obtain a real-time electronic warranty ciphertext, and then carrying out hash calculation on the real-time electronic warranty ciphertext through a hash function to obtain a real-time electronic warranty ciphertext hash value;
s404: judging whether the electronic warrant ciphertext hash value is consistent with the real-time electronic warrant ciphertext hash value or not: if yes, passing approval verification; otherwise, step S405 is entered;
s405: and if the approval verification fails, the warranty approval of the electronic warranty information is not executed.
Preferably, the method further comprises:
s6: receiving supervision application information containing identity information and supervision authority information of a supervision party at a supervision party terminal; and then, carrying out identity authentication and authority authentication on the supervision party terminal according to the supervision application information through the intelligent contract, and sending electronic warranty business data which can be checked within the authority range to the supervision party terminal after the authentication is passed.
The invention also discloses a block chain-based electronic warranty business supervision and approval system, which is implemented based on the block chain-based electronic warranty business supervision and approval method in the invention, and comprises the following steps:
creating an insurance service chain based on a blockchain technology;
the applicant terminal is used for receiving the warranty application information comprising the applicant identity information and the application limit information;
the guarantee side terminal is used for carrying out credit approval according to the identity information and the application limit information of the application side and generating electronic warrant information after the credit approval passes;
the bank side terminal is used for conducting warranty approval on the electronic warranty information and generating the paying information after the warranty approval passes;
and the beneficiary terminal is used for carrying out the payment verification on the payment information and generating the warranty confirmation information after the payment verification is passed.
The intelligent contract is used for writing the insurance policy application information, the electronic insurance policy information and the payment information insurance policy confirmation information into the insurance policy service chain.
Preferably, the method further comprises:
the supervisor terminal is used for receiving supervisor application information comprising supervisor identity information and supervisor authority information;
and the supervision approval module is used for carrying out identity authentication and authority authentication on the supervision party terminal according to the supervision application information through the intelligent contract, and sending the electronic warranty business data which can be checked within the authority range to the supervision party terminal after the authentication is passed.
Compared with the prior art, the block chain-based electronic warranty business supervision and approval method has the following beneficial effects:
in the invention, firstly, an applicant sends out warrant application information through an applicant terminal, secondly, a guarantee party carries out credit examination on the applicant through a guarantee party terminal and generates an electronic warrant, then a banking party carries out warrant examination and approval on the electronic warrant through a banking party terminal, and finally, the applicant and a beneficiary carry out warrant confirmation through the applicant terminal and a beneficiary node respectively so as to complete the whole electronic warrant examination and approval process. On one hand, the invention stores the data generated by each link of the electronic security service in the block of the security service chain, and ensures the non-tamper property and the authenticity of the electronic security service data by using the block chain technology, namely the electronic security service data is not easy to lose and tamper, thereby improving the security of the electronic security service. On the other hand, the invention realizes the automatic processing and digital management of the warranty business by prescribing the warranty business flow and operation specification through the intelligent contract, namely, the automatic flow conversion and management of the supervision and approval of the electronic warranty business can be realized through the intelligent contract, and no human factor interference exists, thereby improving the compliance of the electronic warranty business and providing better technical support for the development of the electronic warranty business.
According to the invention, the supervision party sends out supervision application information through the supervision party terminal, and after the identity authentication and the authority authentication pass, the supervision party terminal checks the data in the corresponding authority range on the security service chain, so that the automatic real-time supervision and approval of each link of the electronic security service can be realized, the compliance and the risk control capability of the service can be ensured, and the effectiveness of the electronic security service can be further improved.
Drawings
For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the accompanying drawings, in which:
FIG. 1 is a logic block diagram of a blockchain-based electronic warranty business administration approval method;
FIG. 2 is a network block diagram of a blockchain-based electronic warranty business administration approval system;
fig. 3 is a network structure diagram of an electronic policy service supervision and approval system in the third embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more clear, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. It will be apparent that the described embodiments are some, but not all, embodiments of the invention. The components of the embodiments of the present invention generally described and illustrated in the figures herein can be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further definition or explanation thereof is necessary in the following figures. In the description of the present invention, it should be noted that, directions or positional relationships indicated by terms such as "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer", etc., are directions or positional relationships based on those shown in the drawings, or are directions or positional relationships conventionally put in use of the inventive product, are merely for convenience of describing the present invention and simplifying the description, and are not indicative or implying that the apparatus or element to be referred to must have a specific direction, be constructed and operated in a specific direction, and thus should not be construed as limiting the present invention. Furthermore, the terms "first," "second," "third," and the like are used merely to distinguish between descriptions and should not be construed as indicating or implying relative importance. Furthermore, the terms "horizontal," "vertical," and the like do not denote a requirement that the component be absolutely horizontal or overhang, but rather may be slightly inclined. For example, "horizontal" merely means that its direction is more horizontal than "vertical" and does not mean that the structure must be perfectly horizontal, but may be slightly tilted. In the description of the present invention, it should also be noted that, unless explicitly specified and limited otherwise, the terms "disposed," "mounted," "connected," and "connected" are to be construed broadly, and may be, for example, fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; can be directly connected or indirectly connected through an intermediate medium, and can be communication between two elements. The specific meaning of the above terms in the present invention will be understood in specific cases by those of ordinary skill in the art.
The following is a further detailed description of the embodiments:
embodiment one:
the embodiment discloses an electronic warranty business supervision and approval method based on a blockchain.
As shown in fig. 1, the block chain-based electronic warranty service supervision and approval method includes:
s1: constructing a warranty service chain based on a blockchain technology, and creating an intelligent contract of the warranty service chain for prescribing a warranty service flow and an operation specification;
in this embodiment, the guaranty service chain uses Fiscobcos as the underlying blockchain.
Smart contracts are automatically executed contract code that are authenticated and programmable to help reduce unnecessary human intervention. Intelligent contracts are computer agreements that aim to propagate, verify, or execute contracts in an informative manner. Smart contracts allow trusted transactions to be made without third parties, which transactions are traceable and irreversible. The intelligent contracts operate in the same manner as conventional contracts, and automatically execute the contracts. An intelligent contract is a program that is fully in accordance with the setting (encoding, programming) line of its creator. Just as traditional contracts may be enforced by law, intelligent contracts may be enforced by code.
S2: receiving warranty application information containing application identity information and application limit information at an application terminal; checking the warranty application information through the intelligent contract, and writing the warranty application information into the warranty service chain;
in this embodiment, before obtaining the warranty application information sent by the applicant, the applicant is authenticated.
The policy application information includes policy amount, policy term, policy rate, etc.
S3: transmitting the guarantee function application information to a corresponding guarantee party terminal through an intelligent contract for credit examination by a guarantee party; then receiving electronic warranty information generated after credit approval according to the identity information and the application limit information of the applicant at a guarantee side terminal, and writing the electronic warranty information into a warranty service chain through an intelligent contract;
in this embodiment, the identity of the vouchers is verified before the vouchers conduct credit investigation.
S4: the electronic warranty information is sent to the corresponding banking side terminal through the intelligent contract to enable the banking side to conduct warranty examination and approval; then receiving the money release information generated after the electronic warranty information is subjected to warranty approval at the banking terminal, and writing the money release information into the warranty business chain through the intelligent contract;
in this embodiment, before the banking party performs the warrant approval, the identity of the banking party is verified.
S5: the electronic insurance letter information and the paying information are sent to corresponding applicant terminals and beneficiary terminals through intelligent contracts so that the applicant terminals and the beneficiary terminals can carry out insurance letter confirmation; and then receiving the warranty confirmation information generated after the paying verification of the paying information at the applicant terminal and the beneficiary terminal, and writing the warranty confirmation information into the warranty service chain through the intelligent contract.
In this embodiment, before the applicant and the beneficiary perform the warrant confirmation, the applicant and the beneficiary are authenticated.
S6: receiving supervision application information containing identity information and supervision authority information of a supervision party at a supervision party terminal; and then, carrying out identity authentication and authority authentication on the supervision party terminal according to the supervision application information through the intelligent contract, and sending electronic warranty business data which can be checked within the authority range to the supervision party terminal after the authentication is passed.
In the invention, firstly, an applicant sends out warrant application information through an applicant terminal, secondly, a guarantee party carries out credit examination on the applicant through a guarantee party terminal and generates an electronic warrant, then a banking party carries out warrant examination and approval on the electronic warrant through a banking party terminal, and finally, the applicant and a beneficiary carry out warrant confirmation through the applicant terminal and a beneficiary node respectively so as to complete the whole electronic warrant examination and approval process. On one hand, the invention stores the data generated by each link of the electronic security service in the block of the security service chain, and ensures the non-tamper property and the authenticity of the electronic security service data by using the block chain technology, namely the electronic security service data is not easy to lose and tamper, thereby improving the security of the electronic security service. On the other hand, the invention realizes the automatic processing and digital management of the warranty business by prescribing the warranty business flow and operation specification through the intelligent contract, namely, the automatic flow conversion and management of the supervision and approval of the electronic warranty business can be realized through the intelligent contract, and no human factor interference exists, thereby improving the compliance of the electronic warranty business and providing better technical support for the development of the electronic warranty business.
According to the invention, the supervision party sends out supervision application information through the supervision party terminal, and after the identity authentication and the authority authentication pass, the supervision party terminal checks the data in the corresponding authority range on the security service chain, so that the automatic real-time supervision and approval of each link of the electronic security service can be realized, the compliance and the risk control capability of the service can be ensured, and the effectiveness of the electronic security service can be further improved.
In the specific implementation process, after the guarantee side terminal receives the warrant application information, corresponding user credit information is firstly obtained according to the identity information of the application side, then credit examination is carried out on the application side according to the user credit information and the application limit information, and finally corresponding electronic warrant information is generated after the credit examination is passed.
In the invention, the vouchering party terminal can effectively realize credit examination of the applicant party through the user credit information.
In the implementation process, a group of public and private key pairs are generated at the guarantee side terminal through an asymmetric encryption algorithm, and the public keys are written into the intelligent contract.
Specifically, a group of public and private key pairs are generated by the following steps:
s101: selecting two large prime numbers p and q, satisfying p not equal to q, and calculating an integer n;
the formula is described as follows:
n＝p*q；
N＝n 2 ；
s102: calculating the least common multiple lambda of p-1 and q-1;
the formula is described as follows:
λ＝lcm(p-1，q-1)；
wherein lcm is a least common multiple function;
s103: selecting a positive integer g smaller than N so as to satisfy gcd (g λ mod N，n)＝1；
Wherein gcd is a greatest common divisor function and is presentμ＝L(g λ mod n 2 ) -1 mod n；
S104: generating a public-private key pair;
wherein the public key: pk= (n, g); private key: sk= (λ, μ).
The public and private keys generated by the steps have semantic security, namely, under the condition that the private key is not obtained, an attacker cannot deduce any useful information of a plaintext through a ciphertext, so that the security of an electronic warranty service can be improved in an auxiliary manner.
After the applicant terminal receives the warranty application information, the warranty application information is encrypted by the public key through the intelligent contract to generate a warranty application information ciphertext, and then the warranty application information ciphertext is written into the warranty service chain through the intelligent contract.
Sending the secret application information ciphertext to the corresponding guarantee party terminal through the intelligent contract; after the guarantee side terminal receives the secret application information ciphertext, decrypting the secret application information ciphertext through the private key to obtain a secret application information plaintext.
In the invention, the guaranteeing party terminal generates a group of public and private key pairs, so that after the applicant sends the warranty application information, the applicant can encrypt the warranty application information through the public key and upload the cryptograph of the warranty application information, and the privacy and the safety of the warranty application information can be better ensured through a data encryption mode, thereby further improving the safety of supervision and approval of the electronic warranty service.
Specifically, encrypting the electronic warranty information through a public key at a guarantee side terminal to obtain an electronic warranty ciphertext, then carrying out hash calculation on the electronic warranty ciphertext through a hash function to obtain an electronic warranty ciphertext hash value, and finally encrypting the electronic warranty ciphertext hash value through a private key to obtain a warranty digital signature;
in step S3, the electronic warranty information, the warranty digital signature and the public key are received at the warranty terminal;
in step S4, the electronic warranty information, the warranty digital signature and the public key are sent to the corresponding banking terminal through the intelligent contract; and then, checking and verifying the bank side terminal according to the warranty digital signature and the public key, and generating the payment information after the checking and verifying are passed.
Specifically, the banking side terminal realizes approval verification through the following steps:
s401: calculating a corresponding public key address through the public key of the guarantee side terminal, and judging whether the public key address is consistent with the actual address of the guarantee side terminal or not: if yes, go to the next step, otherwise, go to step S405;
s402: decrypting the warranty digital signature through the public key of the guarantee side terminal to obtain an electronic warranty ciphertext hash value in the warranty digital signature;
s403: encrypting the electronic warranty information through the public key to obtain a real-time electronic warranty ciphertext, and then carrying out hash calculation on the real-time electronic warranty ciphertext through a hash function to obtain a real-time electronic warranty ciphertext hash value;
s404: judging whether the electronic warrant ciphertext hash value is consistent with the real-time electronic warrant ciphertext hash value or not: if yes, passing approval verification; otherwise, step S405 is entered;
s405: and if the approval verification fails, the warranty approval of the electronic warranty information is not executed.
According to the invention, the guarantee side terminal firstly carries out public key encryption on the electronic guarantee to obtain the electronic guarantee ciphertext, then carries out hash calculation on the electronic guarantee ciphertext to obtain the electronic guarantee ciphertext hash value, then carries out encryption on the electronic guarantee ciphertext hash value through the private key to generate the digital signature of the guarantee, and finally sends out the electronic guarantee and the corresponding public key and the digital signature of the guarantee, so that the banking side terminal can carry out approval verification based on the public key and the digital signature of the guarantee before carrying out the approval of the guarantee, and further the problems of electronic guarantee data leakage and loss caused by false electronic guarantee approval tasks can be avoided, and the safety of electronic guarantee business can be further improved. Meanwhile, the invention further improves the security of supervision and approval of the electronic warranty business by a double verification mode of verifying the public key address and then verifying the electronic warranty ciphertext hash value.
Embodiment two:
the embodiment discloses a blockchain-based electronic warranty business supervision and approval system, which is implemented based on the blockchain-based electronic warranty business supervision and approval method in the first embodiment.
As shown in fig. 2, the blockchain-based electronic warranty business supervision and approval system includes:
creating an insurance service chain based on a blockchain technology;
the applicant terminal is used for receiving the warranty application information comprising the applicant identity information and the application limit information;
the guarantee side terminal is used for carrying out credit approval according to the identity information and the application limit information of the application side and generating electronic warrant information after the credit approval passes;
the bank side terminal is used for conducting warranty approval on the electronic warranty information and generating the paying information after the warranty approval passes;
and the beneficiary terminal is used for carrying out the payment verification on the payment information and generating the warranty confirmation information after the payment verification is passed.
The intelligent contract is used for writing the insurance policy application information, the electronic insurance policy information and the payment information insurance policy confirmation information into the insurance policy service chain.
The supervisor terminal is used for receiving supervisor application information comprising supervisor identity information and supervisor authority information;
and the supervision approval module is used for carrying out identity authentication and authority authentication on the supervision party terminal according to the supervision application information through the intelligent contract, and sending the electronic warranty business data which can be checked within the authority range to the supervision party terminal after the authentication is passed.
In the invention, firstly, an applicant sends out warrant application information through an applicant terminal, secondly, a guarantee party carries out credit examination on the applicant through a guarantee party terminal and generates an electronic warrant, then a banking party carries out warrant examination and approval on the electronic warrant through a banking party terminal, and finally, the applicant and a beneficiary carry out warrant confirmation through the applicant terminal and a beneficiary node respectively so as to complete the whole electronic warrant examination and approval process. On one hand, the invention stores the data generated by each link of the electronic security service in the block of the security service chain, and ensures the non-tamper property and the authenticity of the electronic security service data by using the block chain technology, namely the electronic security service data is not easy to lose and tamper, thereby improving the security of the electronic security service. On the other hand, the invention realizes the automatic processing and digital management of the warranty business by prescribing the warranty business flow and operation specification through the intelligent contract, namely, the automatic flow conversion and management of the supervision and approval of the electronic warranty business can be realized through the intelligent contract, and no human factor interference exists, thereby improving the compliance of the electronic warranty business and providing better technical support for the development of the electronic warranty business.
According to the invention, the supervision party sends out supervision application information through the supervision party terminal, and after the identity authentication and the authority authentication pass, the supervision party terminal checks the data in the corresponding authority range on the security service chain, so that the automatic real-time supervision and approval of each link of the electronic security service can be realized, the compliance and the risk control capability of the service can be ensured, and the effectiveness of the electronic security service can be further improved.
Embodiment III:
the embodiment discloses an electronic warranty business supervision and approval system with a multiparty joint confirmation function.
Referring to fig. 3, the electronic warranty service supervision and approval system with the multiparty joint confirmation function includes:
and the key generation module is used for generating two groups of public-private key pairs, namely a first private key and a first public key and a second private key and a second public key through an asymmetric encryption algorithm.
The key management module is used for dividing the first private key into four parts of first sub-keys and distributing the four parts of first sub-keys to the applicant terminal, the guarantee terminal, the banking terminal and the beneficiary terminal; and distributing the second public key to the applicant terminal, the guarantee terminal, the bank terminal and the beneficiary terminal.
In this embodiment, the first private key is divided by using a conventional mature technology.
The data encryption module is used for writing corresponding data information into the warranty service chain through the intelligent contract: firstly, corresponding data description information (namely introduction information of the data information) is generated according to the data information; then encrypting the data information through the first public key to generate a data information ciphertext; encrypting the data description information through a second private key to generate a description information ciphertext; and finally, respectively transmitting the data information ciphertext and the description information ciphertext to the applicant terminal, the guarantee terminal, the bank terminal and the beneficiary terminal.
The method comprises the steps that an applicant terminal, a guarantee terminal, a bank terminal and a beneficiary terminal respectively receive a data information ciphertext and an explanation information ciphertext; then decrypting the description information ciphertext through the second public key to obtain a plaintext of the data description information; then, unilateral confirmation is carried out on the data uploaded at this time through the plaintext of the data description information (whether the introduction information of the data information is accurate or not is checked); further, after the single party confirmation is passed, corresponding prompt information of the single party confirmation success is generated; and finally, carrying out partial decryption on the data information ciphertext through the first sub-key of the data information ciphertext to generate corresponding partial decryption data.
If the single-side confirmation fails, a prompt message indicating that the single-side confirmation failed is generated.
In this embodiment, the applicant terminal, the guarantee terminal, the bank terminal and the beneficiary terminal may implement unilateral confirmation by means of manual confirmation. The partial decryption adopts the prior mature technology, namely, partial plaintext data is obtained by decrypting the data information ciphertext.
The authentication management module is used for receiving prompt information of success confirmation of a single party generated by the applicant terminal, the guarantee terminal, the bank terminal and the beneficiary terminal; then after each terminal generates prompt information of single party confirmation success, judging that the multi-party confirmation is successful, and generating corresponding prompt information of the multi-party confirmation success; and finally, restoring the decrypted data according to the part of each terminal to obtain the plaintext of the corresponding data information, and writing the plaintext of the corresponding data information into the warranty service chain through the intelligent contract.
If any one or more terminals generate prompt information of single-party confirmation failure, the multiple-party confirmation fails, the data information is not restored, and the prompt information of the multiple-party confirmation failure is sent to each terminal.
The intelligent contract is used for writing prompt information of single party confirmation success and prompt information of single party confirmation failure generated by the applicant terminal, the guarantee terminal, the bank terminal and the beneficiary terminal, and prompt information of multi-party confirmation success and prompt information of multi-party confirmation failure generated by the authentication management module into the guarantee service chain.
The invention generates the corresponding data description information according to the data information and encrypts the data description information through the second private key, so that the applicant terminal, the guarantee terminal, the bank terminal and the beneficiary terminal can decrypt the plaintext of the data description information through the second public key and perform unilateral confirmation, and then can perform multi-party confirmation on the data information through a plurality of participants of each terminal before writing the data information into the guarantee service chain, thereby improving the writing security of the electronic guarantee service data information.
The invention carries out multiparty confirmation and partial decryption on the data information through the applicant terminal, the voucherer terminal, the bank terminal and the beneficiary terminal, judges that the supervision party is successful after all terminals complete unilateral confirmation, and restores the plaintext of the data information according to the partial decryption data of each terminal. Because each terminal only has a part of the first private key, any terminal can not completely decrypt the data information ciphertext, but can only realize partial decryption by using the own first sub-key after the unilateral confirmation is successful, and the restoration of the data information (namely, the complete decryption of the data information ciphertext) can be realized after all terminals complete the unilateral confirmation and the partial decryption, so that the multiparty confirmation of each terminal and the multiparty joint confirmation decryption of the data information can be simultaneously realized, the problem of electronic security service data leakage caused by the false data information or the private decryption of the data information of each participant can be avoided, and the safety of the electronic security service can be further improved.
Finally, it should be noted that the above embodiments are only for illustrating the technical solution of the present invention and not for limiting the technical solution, and those skilled in the art should understand that modifications and equivalents may be made to the technical solution of the present invention without departing from the spirit and scope of the present invention, and all such modifications and equivalents are included in the scope of the claims.
Claims (8)
1. The block chain-based electronic warranty business supervision and approval method is characterized by comprising the following steps of:
s1: constructing an insurance business chain based on a block chain technology, and creating an intelligent contract of the insurance business chain;
s2: receiving warranty application information containing application identity information and application limit information at an application terminal; writing the warranty application information into the warranty service chain through the intelligent contract;
s3: sending the guarantor application information to the corresponding guarantor terminal through the intelligent contract; then receiving electronic warranty information generated after credit approval according to the identity information and the application limit information of the applicant at a guarantee side terminal, and writing the electronic warranty information into a warranty service chain through an intelligent contract;
s4: the electronic warranty information is sent to the corresponding banking terminal through the intelligent contract; then receiving the money release information generated after the electronic warranty information is subjected to warranty approval at the banking terminal, and writing the money release information into the warranty business chain through the intelligent contract;
s5: the electronic security information and the paying information are sent to the corresponding beneficiary terminal through the intelligent contract; and then receiving the warranty confirmation information generated after the paying-off information is checked at the beneficiary terminal, and writing the warranty confirmation information into the warranty service chain through the intelligent contract.
2. The blockchain-based electronic warranty business administration approval method of claim 1, wherein: in step S3, after the guarantee side terminal receives the warrant application information, corresponding user credit information is obtained according to the identity information of the applicant side, credit examination is performed on the applicant side according to the user credit information and the application credit information, and corresponding electronic warrant information is generated after the credit examination passes.
3. The blockchain-based electronic warranty business administration approval method of claim 1, wherein: and generating a group of public and private key pairs at the vouchering party terminal through an asymmetric encryption algorithm, and writing the public keys into the intelligent contract.
4. The blockchain-based electronic warranty business administration approval method of claim 3, wherein: in step S2, after the applicant terminal receives the warranty application information, the public key is used to encrypt the warranty application information first to generate a warranty application information ciphertext, and then the warranty application information ciphertext is written into the warranty service chain through the intelligent contract.
5. The blockchain-based electronic warranty business administration approval method of claim 4, wherein: in step S3, the secret application information ciphertext is sent to the corresponding guarantee party terminal through the intelligent contract; after the guarantee side terminal receives the secret application information ciphertext, decrypting the secret application information ciphertext through the private key to obtain a secret application information plaintext.
6. The blockchain-based electronic warranty business administration approval method of claim 1, further comprising:
s6: receiving supervision application information containing identity information and supervision authority information of a supervision party at a supervision party terminal; and then, carrying out identity authentication and authority authentication on the supervision side terminal according to the supervision application information, and sending electronic warranty business data which can be checked within the authority range to the supervision side terminal after the authentication is passed.
7. The block chain-based electronic warranty business supervision and approval system is characterized in that: the block chain-based electronic warranty business administration approval method implementation of claim 1, comprising:
creating an insurance service chain based on a blockchain technology;
the applicant terminal is used for receiving the warranty application information comprising the applicant identity information and the application limit information;
the guarantee side terminal is used for carrying out credit approval according to the identity information and the application limit information of the application side and generating electronic warrant information after the credit approval passes;
the bank side terminal is used for conducting warranty approval on the electronic warranty information and generating the paying information after the warranty approval passes;
and the beneficiary terminal is used for carrying out the payment verification on the payment information and generating the warranty confirmation information after the payment verification is passed.
The intelligent contract is used for writing the insurance policy application information, the electronic insurance policy information and the payment information insurance policy confirmation information into the insurance policy service chain.
8. The blockchain-based electronic warranty business administration approval system of claim 7, further comprising:
the supervisor terminal is used for receiving supervisor application information comprising supervisor identity information and supervisor authority information;
and the supervision approval module is used for carrying out identity authentication and authority authentication on the supervision party terminal according to the supervision application information, and sending the electronic warranty business data which can be checked within the authority range to the supervision party terminal after the authentication is passed.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117474546A (en) * | 2023-12-28 | 2024-01-30 | 深圳蔓延科技有限公司 | Electronic letter protection anti-counterfeiting method based on block chain and electronic device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117474546A (en) * | 2023-12-28 | 2024-01-30 | 深圳蔓延科技有限公司 | Electronic letter protection anti-counterfeiting method based on block chain and electronic device |
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