WO2020082582A1 - 一种在线投保方法、装置、终端及服务器 - Google Patents

一种在线投保方法、装置、终端及服务器 Download PDF

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Publication number
WO2020082582A1
WO2020082582A1 PCT/CN2018/123883 CN2018123883W WO2020082582A1 WO 2020082582 A1 WO2020082582 A1 WO 2020082582A1 CN 2018123883 W CN2018123883 W CN 2018123883W WO 2020082582 A1 WO2020082582 A1 WO 2020082582A1
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Prior art keywords
medical record
electronic medical
target
insurance
target user
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PCT/CN2018/123883
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English (en)
French (fr)
Inventor
汤琦
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平安科技（深圳）有限公司
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Publication of WO2020082582A1 publication Critical patent/WO2020082582A1/zh

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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
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H10/00—ICT specially adapted for the handling or processing of patient-related medical or healthcare data
    • G16H10/60—ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records

Definitions

  • This application relates to the field of computer technology, in particular to an online insurance method, device, terminal and server.
  • the insurance company attaches insurance items and exclusions to the insurance provided.
  • insurance items refer to the liability that the insurer should bear
  • exclusion items refer to the items that the insurer does not cover.
  • the policyholders were excluded from the insurance policy, which caused disputes between the policyholder and the insurer.
  • the embodiments of the present application provide an online insurance method, device, terminal and server, which can effectively control the user's purchase qualification so that the user can purchase insurance, thereby reducing the insurer and insurer caused by the lack of expertise of the insurer Disputes between.
  • an embodiment of the present application provides an online insurance application method, which is applied to a terminal and includes:
  • an electronic medical record request is sent to the electronic medical record platform; the electronic medical record platform stores electronic medical records of multiple users;
  • the payment operation is performed according to the confirmation information corresponding to the target insurance.
  • an embodiment of the present application also provides an online insurance application method, which is applied to a target server and includes:
  • the insured end user or other users who want to be insured by the end user are the insured end user or other users who want to be insured by the end user;
  • the encrypted medical record of the target user meets the preset health condition, return the confirmation information corresponding to the target insurance selected by the end user to the terminal corresponding to the end user, so that the terminal receives the confirmation information At this time, the payment operation is performed according to the confirmation information.
  • an embodiment of the present application provides an online insurance application device, including a unit for performing the method according to the first aspect or the unit according to the method according to the second aspect.
  • an embodiment of the present application provides a terminal, including a processor, an input device, an output device, and a memory, where the processor, input device, output device, and memory are connected to each other, wherein the memory is used to store a computer A program, the computer program includes program instructions, and the processor is configured to call the program instructions to perform the method according to the first aspect.
  • an embodiment of the present application provides a server, including a processor, an input device, an output device, and a memory, where the processor, input device, output device, and memory are connected to each other, wherein the memory is used to store a computer A program, the computer program includes program instructions, and the processor is configured to call the program instructions to perform the method according to the second aspect.
  • an embodiment of the present application provides a computer-readable storage medium that stores a computer program, where the computer program includes program instructions, which when executed by a processor causes the processing The device performs the method according to the first aspect, or the method according to the second aspect.
  • the terminal can authorize the electronic medical record platform to send the encrypted electronic medical record of the target user to the target server to purchase target insurance based on the confirmation information returned by the target server, thereby effectively controlling the user's purchase qualification So that users can buy insurance, and then reduce the dispute between the insurer and the insurer caused by the lack of expertise of the insurer.
  • FIG. 1 is a schematic flowchart of an online insurance method provided by an embodiment of the present application.
  • FIG. 2 is a schematic flowchart of another online insurance method provided by an embodiment of the present application.
  • FIG. 3 is a schematic flowchart of another online insurance method provided by an embodiment of the present application.
  • FIG. 4 is a schematic diagram of a network architecture of an online insurance system provided by an embodiment of the present application.
  • FIG. 5 is a schematic structural diagram of an online insurance device provided by an embodiment of the present application.
  • FIG. 6 is a schematic structural diagram of another online insurance device provided by an embodiment of the present application.
  • FIG. 7 is a schematic structural diagram of a terminal provided by an embodiment of the present application.
  • FIG. 8 is a schematic structural diagram of a server provided by an embodiment of the present application.
  • FIG. 1 is a schematic flowchart of an online insurance method provided by an embodiment of the present application.
  • the method can be applied to terminals, which include but are not limited to smart terminals such as smart phones, tablet computers, notebook computers, and desktop computers.
  • the method may include the following steps:
  • the electronic medical record platform stores electronic records of multiple users.
  • the electronic medical record refers to a digitized medical record.
  • the terminal may display an insurance selection interface
  • the insurance selection interface may include a plurality of identifiers corresponding to insurances, and the identifiers may be names, description information, and other information used to uniquely identify corresponding insurances.
  • the insurance selection interface can be used to receive a selection operation for the target insurance identification.
  • the plurality of insurances may include health insurance divided in different forms.
  • health insurance by age such as elderly health insurance, adult health insurance, juvenile health insurance, or health insurance by type, such as medical insurance, sickness insurance, income insurance, nursing care insurance, this application is implemented Examples are not listed here.
  • an end user can log in to the insurance company's official website via a smartphone to apply for insurance.
  • the smartphone can display an insurance selection interface, which can include multiple health insurance counterparts Logo: health insurance 1, health insurance 2, health insurance 3, if the end user wants to insure health insurance 3, he can choose health insurance 3 in the insurance selection interface.
  • the smart phone detects the selection operation for health insurance 3, it can send an electronic medical record request to the electronic medical record platform.
  • the insurance selection interface may be displayed after the selection operation for the target insurance category option is detected.
  • the target insurance category option may be a health option.
  • an end user can log in to a target application (such as a communication application or payment application that can be insured) through a smartphone to insure.
  • a target application such as a communication application or payment application that can be insured
  • the smartphone can display insurance service options.
  • the smartphone can display multiple insurance category options: travel, property, and health.
  • the smart terminal can detect the selection operation for the health option and display the insurance selection interface corresponding to the health option.
  • the insurance selection interface may include multiple health insurance identifiers: health insurance 1, health insurance 2. Health insurance 3. If the end user wishes to insure health insurance 3, he can select health insurance 3 in the insurance selection interface.
  • the smart phone detects the selection operation for health insurance 3, it can send an electronic medical record request to the electronic medical record platform.
  • the electronic medical record platform can also store multiple types of electronic medical records of multiple users, and each insurance can correspond to one type of electronic medical records. That is, the electronic medical record of the target user may be an electronic medical record of the category corresponding to the target insurance among the electronic medical records of multiple categories of the target user.
  • the target insurance is insurance 1
  • the electronic medical record of the target user may be electronic medical record 1 corresponding to insurance 1
  • the target insurance is insurance 2
  • the electronic medical record of the target user may be electronic medical record 2 corresponding to insurance 2.
  • the electronic medical record platform can receive an electronic medical record request sent by the terminal, and can return an electronic medical record authorization page to the terminal in response to the electronic medical record request, and the terminal can receive the electronic medical record platform in response to the electronic medical record Request the returned electronic medical record authorization page.
  • the electronic medical record authorization page can be used to inquire whether to authorize the electronic medical record platform to share the electronic medical record to the target server.
  • the target server may be an insurance company server.
  • the electronic medical record authorization page may include a confirmation authorization option.
  • the terminal may display the electronic medical record authorization page returned by the electronic medical record platform in response to the electronic medical record request; when the terminal detects a touch operation for the confirmation authorization option, step S103 may be triggered.
  • the electronic medical record authorization page may also include user information of the target user that needs to be input, for example, the user's name, contact information, ID number, etc., where the target user may consider the end user or For other users that the end user wants to insure.
  • the electronic medical record authorization page can further include user information of the target user that needs to be confirmed, for example, the user's name, contact information, ID number, and other information.
  • the information requiring user confirmation may be obtained by the electronic medical record platform from the target server through the blockchain network.
  • the electronic medical record authorization page may further include a cancellation option, or may also include other information such as precautions, user agreement, and the like, which are not enumerated here in the embodiments of the present application.
  • S103 Return a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page, so that the electronic medical record platform encrypts the electronic medical record of the target user after the encryption process through the blockchain network when receiving the confirmation authorization instruction Send to the target server.
  • the terminal may return a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page.
  • the electronic medical record platform may send the encrypted electronic medical record of the target user to the target server through the blockchain network.
  • the target user may be an end user to be insured, or may be another user to be insured.
  • the electronic medical record platform may homomorphically encrypt the electronic medical record of the target user to obtain the encrypted electronic medical record of the target user. That is, the electronic medical record of the target user after the encryption process may be the electronic medical record of the target user after the homomorphic encryption process. By homomorphically encrypting the electronic medical record, the privacy of the target user can be effectively guaranteed.
  • the confirmation authorization instruction may include user information input on the confirmation authorization page, and the electronic medical record platform may obtain the target user's electronic medical record according to the user information input on the confirmation authorization page.
  • the confirmation authorization instruction may include user information confirmed on the confirmation authorization page, and the electronic medical record platform may obtain the target user's electronic medical record according to the user information confirmed on the confirmation authorization page.
  • the electronic medical record platform can store the correspondence between the target user's electronic medical record and the target user's user information, so that the electronic medical record platform can obtain the target user's electronic medical record based on the input user information and the corresponding relationship.
  • the target server may receive the encrypted electronic medical record of the target user sent by the electronic medical record platform through the blockchain network through the blockchain network, and may return confirmation information corresponding to the target insurance to The terminal enables the terminal to perform a payment operation according to the confirmation information corresponding to the target insurance when receiving the confirmation information corresponding to the target insurance returned by the target server.
  • the confirmation information may include information that facilitates the end user to purchase the target insurance.
  • the confirmation information may include an identification corresponding to the target insurance, a target insurance price, and may also include user information of the target user, such as name, ID number, and other information.
  • the target insurance price may vary according to the payment method. For example, if the payment method is monthly payment, the target insurance price may be the monthly payable fee. The method is to pay annually, then the target insurance price can be the annual fee payable.
  • the target server may record the identifier corresponding to the target insurance selected by the end user, so as to generate confirmation information corresponding to the target insurance.
  • the target server may be an identifier corresponding to the target insurance selected by the terminal user after detecting the terminal's selection operation for the target insurance identifier.
  • the confirmation information may be obtained by the target server after verifying that the electronic medical record of the target user after the encryption process meets the preset health condition.
  • the preset health condition refers to the insurance condition corresponding to the target insurance.
  • the terminal performs the payment operation according to the confirmation information corresponding to the target insurance, which may be based on the blockchain or may be based on the blockchain, which is not limited in the embodiments of the present application.
  • the terminal after performing the payment operation according to the confirmation information corresponding to the target insurance, can obtain the payment record, and can send the payment record to the target server, so that the target server stores the payment record, or writes the payment record Into the blockchain.
  • the terminal when the terminal detects a selection operation for the identifier corresponding to the target insurance, the terminal may display an insurance purchase interface, the insurance purchase interface includes information of the target user to be filled in, the identifier corresponding to the target insurance, Target insurance price; when detecting a selection operation for an insurance option, the terminal may send an electronic medical record request to the electronic medical record platform, and receive an electronic medical record authorization page (including confirmation authorization options) returned by the electronic medical record platform in response to the electronic medical record request , The terminal can return the confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page, so that when the electronic medical record platform receives the confirmation authorization instruction, the encrypted medical record of the target user is sent to the encrypted medical record through the blockchain network
  • the target server when the target server verifies that the electronic medical record of the target user after the encryption process meets the preset health condition, the terminal may be allowed to perform a payment operation.
  • the terminal may send an insurance request to a preset server (which is an electronic medical record platform or a target server) for obtaining an insurance purchase interface, and the terminal may display the insurance purchase interface returned by the preset server according to the insurance request.
  • a preset server which is an electronic medical record platform or a target server
  • the terminal when detecting the selection operation for the identification corresponding to the target insurance, can send an electronic medical record request to the electronic medical record platform, and can receive the electronic medical record platform to return in response to the electronic medical record request An electronic medical record authorization page, thereby returning a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page, so that the electronic medical record platform will encrypt the target user's electronic medical record through the blockchain network when receiving the confirmation authorization instruction Send to the target server, and when receiving the confirmation information corresponding to the target insurance returned by the target server, perform the payment operation according to the confirmation information corresponding to the target insurance, so as to safely and effectively control the user's purchase qualification for the user to purchase Insurance reduces unnecessary disputes between policyholders and insurers.
  • FIG. 2 is a schematic flowchart of another online insurance method provided by an embodiment of the present application.
  • the method can be applied to a target server, and the target server can be a server or server cluster in the Internet. Specifically, the method may include the following steps:
  • the electronic medical record platform can send the encrypted medical record of the target user to the target server through the blockchain network, and the target server can receive the encrypted medical record of the target user sent by the electronic medical record platform through the blockchain network.
  • the target user may be a terminal user to be insured or another user to be insured by the terminal user.
  • the electronic medical record platform may be that when receiving the confirmation instruction returned by the terminal according to the electronic medical record authorization page, the encrypted medical record of the target user is sent to the target server through the blockchain network.
  • the electronic medical record of the target user after the encryption process may be the electronic medical record of the target user after the homomorphic encryption process.
  • the target server may verify whether the encrypted medical record of the target user meets the preset health condition.
  • the target server may verify whether the electronic medical record of the target user after the encryption process meets the preset health condition based on the zero-knowledge proof technology.
  • the target server verifies whether the encrypted medical record of the target user meets a preset health condition, which may include: the target server sends a medical history query request according to the encrypted medical record of the target user; the target server Receiving the stored blockchain ledger in response to the query result returned by the medical history query request through a smart contract; when the query result indicates that the target user does not have a target medical history, the target server determines that the target user's electronic medical record meets the preset health conditions; When the query result indicates that the target user has a target medical history, the target server determines that the target user's electronic medical record does not meet the preset health condition.
  • the medical history query request can be used to inquire whether the target user has a target medical history; the target medical history belongs to the scope of disease exception set for the target insurance; the disease exception scope includes multiple medical history not covered by insurance.
  • the target insurance is a designated health insurance
  • the scope of the disease exception corresponding to the designated health insurance may be: (1) cancer / malignant tumor, borderline tumor, precancerous lesion, carcinoma in situ, or tumor of undefined nature; (2) Hypertension (without taking anti-pressure drugs, the systolic rate of blood pressure ⁇ 140mmHg or diastolic blood pressure ⁇ 90mmHg), congenital heart disease, aortic disease, ventricular aneurysm, rheumatic heart disease, endocardium Inflammation, myocardial infarction, arrhythmia, cardiomyopathy, heart valve disease, cardiac dysfunction, cerebrovascular malformation, brain tumor, transient cerebral ischemia, stroke (cerebral hemorrhage, cerebral infarction, etc.);
  • the target server verifies whether the encrypted medical record of the target user meets a preset health condition, and may further include: the target server broadcasts on the blockchain network according to the encrypted medical record of the target user Medical history query request; the target server receives the query result returned by the blockchain server in response to the medical history query request through a smart contract; when the query result indicates that the target user does not have the target medical history, the target server determines that the target user's electronic medical record meets the preset Health condition; when the query result indicates that the target user has a target medical history, the target server determines that the target user's electronic medical record does not meet the preset health condition.
  • the server may return confirmation information corresponding to the target insurance selected by the terminal user to the terminal corresponding to the terminal user, so that the terminal
  • the payment operation may be performed according to the confirmation information corresponding to the target insurance.
  • the target server may record the identifier corresponding to the target insurance selected by the terminal user, so that when the encrypted medical record of the target user meets the preset health condition, the confirmation information corresponding to the target insurance is generated.
  • the confirmation information may include information that facilitates the end user to purchase the target insurance.
  • the confirmation information may include an identification corresponding to the target insurance, a target insurance price, and may also include user information of the target user, such as name, ID number, and other information.
  • the target server can receive the encrypted medical record of the target user sent by the electronic medical record platform through the blockchain network, and verify whether the encrypted medical record of the target user is satisfied Preset health conditions; when the encrypted medical record of the target user meets the preset health conditions, the target server can return confirmation information corresponding to the target insurance selected by the end user to the terminal corresponding to the end user, so that the terminal can When receiving the confirmation information, the payment operation is performed according to the confirmation information to safely and effectively control the user's purchase qualification so that the user can purchase insurance, reducing unnecessary disputes between the insured and the insurer.
  • FIG. 3 is a schematic flowchart of another online insurance method provided by an embodiment of the present application. Specifically, the method may include the following steps:
  • the terminal sends an electronic medical record request to the electronic medical record platform when it detects a selection operation for the identification corresponding to the target insurance;
  • the electronic medical record platform returns an electronic medical record authorization page to the terminal in response to the electronic medical record request.
  • the terminal may send an electronic medical record request to the electronic medical record platform when detecting the selection operation corresponding to the identification corresponding to the target insurance.
  • the electronic medical record platform may return an electronic medical record authorization page to the terminal in response to the electronic medical record request.
  • the electronic medical record authorization page can be used to inquire whether to authorize the electronic medical record platform to share the electronic medical record to the target server.
  • the target server may be an insurance company server.
  • the terminal receives the electronic medical record authorization page returned by the electronic medical record platform in response to the electronic medical record request;
  • the terminal returns a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page;
  • the electronic medical record platform sends the encrypted electronic medical record of the target user to the target server through the blockchain network.
  • the terminal may receive the electronic medical record authorization page returned by the electronic medical record platform in response to the electronic medical record request, and may return a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page, so that the electronic medical record platform Upon receiving the confirmation authorization instruction, the encrypted medical record of the target user can be sent to the target server through the blockchain network.
  • the electronic medical record authorization page may include a confirmation authorization option
  • the terminal may display the electronic medical record authorization page
  • a touch operation for the confirmed authorization option is detected
  • a return based on the electronic medical record authorization page may be triggered The step of confirming the authorization instruction to the electronic medical record platform.
  • the electronic medical record of the target user after the encryption process may be the electronic medical record of the target user after the homomorphic encryption process.
  • the target server receives the encrypted electronic medical record of the target user sent by the electronic medical record platform through the blockchain network;
  • the target server checks whether the encrypted medical record of the target user meets the preset health condition
  • the target server When the encrypted medical record of the target user meets the preset health condition, the target server returns confirmation information corresponding to the target insurance selected by the end user to the terminal corresponding to the end user.
  • the target server can receive the electronic medical record platform of the encrypted target user sent by the electronic medical record platform through the blockchain network, and can check whether the encrypted electronic record of the target user meets the preset Health condition, so that when the encrypted medical record of the target user meets the preset health condition, the confirmation information corresponding to the target insurance selected by the end user is returned to the terminal corresponding to the end user.
  • the server may return a prompt message to refuse insurance to the terminal.
  • the terminal When receiving the confirmation information corresponding to the target insurance returned by the target server, the terminal performs a payment operation according to the confirmation information corresponding to the target insurance.
  • the terminal performs the payment operation according to the confirmation information corresponding to the target insurance, which may be based on the blockchain or may be based on the blockchain, which is not limited in the embodiments of the present application.
  • the terminal after performing the payment operation according to the confirmation information corresponding to the target insurance, can obtain the payment record, and can send the payment record to the target server, so that the target server stores the payment record, or writes the payment record Into the blockchain.
  • the terminal when detecting the selection operation for the identification corresponding to the target insurance, the terminal can send an electronic medical record request to the electronic medical record platform, and the electronic medical record platform can return the electronic medical record authorization in response to the electronic medical record request
  • the page can be sent to the terminal; the terminal can receive the electronic medical record platform to return to the electronic medical record authorization page in response to the electronic medical record request, and return a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page; the electronic medical record platform receives the confirmation authorization
  • the encrypted electronic medical record of the target user can be sent to the target server through the blockchain network, so that when the target server determines that the encrypted electronic medical record of the target user meets the preset health conditions, the target insurance corresponding Confirmation information to the terminal, so that when the terminal receives the confirmation information corresponding to the target insurance returned by the target server, it can perform the payment operation according to the confirmation information corresponding to the target insurance, making the insurance process more safe and effective, reducing users Insurance company Division unnecessary disputes.
  • FIG. 4 is a schematic diagram of a network architecture of an online insurance system provided by an embodiment of the present application.
  • the system may include a terminal 10, an electronic medical record platform 20, and a server 30.
  • the terminal 10 may establish communication with the electronic medical record platform 20 and the server 30, respectively.
  • the electronic medical record platform 20 can establish communication with the server 30 through a blockchain network.
  • the terminal 10 may execute step S301 to send an electronic medical record request to the electronic medical record platform 20, and the electronic medical record platform 20 may execute the step S302 to send an electronic medical record authorization page to the terminal 10.
  • the terminal 10 can return the confirmation authorization instruction to the electronic medical record platform 20 by executing steps S303-S304, so that the electronic medical record platform 20 can execute step S305 to send the encrypted electronic medical records of the target user to the target server through the blockchain network 30, so that the target server 30 can return the confirmation information corresponding to the target insurance to the terminal 10 by performing steps S306-S308, so that the terminal 10 purchases the target insurance by performing step S309, making the insurance process more safe and effective, reducing users and insurance Unnecessary company disputes.
  • FIG. 5 is a schematic structural diagram of an online insurance device provided by an embodiment of the present application.
  • the online insurance device can be applied in the terminal.
  • the device may include:
  • the sending unit 501 is configured to send an electronic medical record request to an electronic medical record platform when the selection operation for the identification corresponding to the target insurance is detected; the electronic medical record platform stores electronic medical records of multiple users;
  • the receiving unit 502 is configured to receive an electronic medical record authorization page returned by the electronic medical record platform in response to the electronic medical record request;
  • the sending unit 501 is further configured to return a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page, so that when the electronic medical record platform receives the confirmation authorization instruction through the blockchain network, the encrypted The electronic medical record of the target user is sent to the target server;
  • the processing unit 503 is configured to perform a payment operation according to the confirmation information corresponding to the target insurance when receiving the confirmation information corresponding to the target insurance returned by the target server through the receiving unit 502.
  • the confirmation information is obtained by the target server after verifying that the electronic medical record of the target user after the encryption process meets a preset health condition.
  • the display unit 504 is configured to display an electronic medical record authorization page returned by the electronic medical record platform in response to the electronic medical record request; the electronic medical record authorization page includes a confirmation authorization option.
  • the processing unit 503 is further configured to trigger the sending unit 501 to return a confirmation authorization instruction to the electronic medical record authorization page according to the electronic medical record authorization page when a touch operation for the confirmation authorization option is detected Electronic medical record platform.
  • the terminal when detecting the selection operation for the identification corresponding to the target insurance, the terminal may send an electronic medical record request to the electronic medical record platform, and may receive the electronic medical record platform to return in response to the electronic medical record request An electronic medical record authorization page, thereby returning a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page, so that the electronic medical record platform will encrypt the target user's electronic medical record through the blockchain network when receiving the confirmation authorization instruction Send to the target server, and when receiving the confirmation information corresponding to the target insurance returned by the target server, perform the payment operation according to the confirmation information corresponding to the target insurance, so as to safely and effectively control the user's purchase qualification for the user Buying insurance reduces unnecessary disputes between policyholders and insurers.
  • FIG. 6 is a schematic structural diagram of another online insurance device provided by an embodiment of the present application, where the device can be applied to a target server.
  • the device may include:
  • the communication unit 601 is used to receive the encrypted electronic medical record of the target user sent by the electronic medical record platform through the blockchain network; the target user is an end user to be insured or another user that the end user wants to insure;
  • the processing unit 602 is configured to verify whether the electronic medical record of the target user after the encryption process meets the preset health condition
  • the communication unit 601 is further configured to return the confirmation information corresponding to the target insurance selected by the end user to the terminal corresponding to the end user when the encrypted medical record of the target user meets the preset health condition, so that the terminal When receiving the confirmation information, the payment operation is performed according to the confirmation information.
  • the processing unit 602 is specifically configured to send a medical history query request according to the encrypted medical record of the target user through the communication unit 601; the medical history query request is used to query the target Whether the user has a target medical history; the target medical history belongs to the disease exception set for the target insurance; the disease exception includes multiple medical histories that are not covered by the insurance; the blockchain ledger received through the communication unit 601 is stored via a smart contract It should be the query result returned by the medical history query request; when the query result indicates that the target user does not have a target medical history, it is determined that the electronic medical record of the target user meets the preset health condition.
  • the processing unit 602 is specifically used to broadcast a medical history query request on the blockchain network according to the encrypted medical record of the target user through the communication unit 601; the medical history query request is used To inquire whether the target user has a target medical history; receive the query result returned by the blockchain server through a smart contract in response to the medical history query request through the communication unit 601; when the query result indicates that the target user does not have a target medical history, It is determined that the electronic medical record of the target user meets the preset health condition.
  • the communication unit 601 is further configured to return a prompt message of refusal of insurance to the terminal when the encrypted medical record of the target user does not satisfy the preset health condition.
  • the target server can receive the encrypted medical record of the target user sent by the electronic medical record platform through the blockchain network, and verify whether the encrypted medical record of the target user is satisfied Preset health condition; when the encrypted medical record of the target user meets the preset health condition, the target server may return confirmation information corresponding to the target insurance selected by the target user to the terminal corresponding to the target user, so that the terminal can When receiving the confirmation information, the payment operation is performed according to the confirmation information, so that the user's purchase qualification is safely and effectively controlled so that the user can purchase insurance, reducing unnecessary disputes between the insured and the insurer.
  • FIG. 7 is a schematic structural diagram of a terminal according to an embodiment of the present application.
  • the terminal described in this embodiment may include: one or more processors 100, one or more input devices 200, one or more output devices 300, and a memory 400.
  • the processor 100, the input device 200, the output device 300, and the memory 400 may be connected through a bus.
  • the input device 200 and the output device 300 may be standard wired or wireless communication interfaces.
  • the input device 200 can also be a touch screen.
  • the output device 300 may be a display screen, such as a liquid crystal display screen.
  • the input device 200 and the output device 300 may be integrated into one device, such as a touch display screen, for implementing a touch display function.
  • the processor 100 may be a central processing module (Central Processing Unit, CPU), the processor may also be other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC) 2. Ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.
  • the general-purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
  • the memory 400 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as a disk memory.
  • the memory 400 is used to store a set of program codes, and the input device 200, the output device 300, and the processor 100 can call the program codes stored in the memory 400. specifically:
  • the processor 100 is configured to send an electronic medical record request to the electronic medical record platform through the output device 300 when the selection operation for the identification corresponding to the target insurance is detected; the electronic medical record platform stores electronic medical records of multiple users; 200 Receive the electronic medical record authorization page returned by the electronic medical record platform in response to the electronic medical record request; return an authorization confirmation instruction to the electronic medical record platform according to the electronic medical record authorization page through the output device 300, so that the electronic medical record platform
  • the confirmation authorization instruction is received, the encrypted medical record of the target user is sent to the target server through the blockchain network; when the confirmation information corresponding to the target insurance returned by the target server is received through the input device 200 , Perform the payment operation according to the confirmation information corresponding to the target insurance.
  • the confirmation information is obtained by the target server after verifying that the electronic medical record of the target user after the encryption process meets a preset health condition.
  • the processor 100 is further configured to display the electronic medical record authorization page returned by the electronic medical record platform in response to the electronic medical record request through the output device 300; the electronic medical record authorization page includes a confirmation authorization option; During the touch operation of the confirmation authorization option, the output device 300 is triggered to return a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page.
  • the processor 100, the input device 200, and the output device 300 described in the embodiments of the present application may execute the implementation methods described in the embodiments of FIGS. 1-3, and may also implement the implementation methods described in the embodiments of the application. And will not be repeated here.
  • the terminal when detecting the selection operation for the identifier corresponding to the target insurance, can send an electronic medical record request to the electronic medical record platform, and can receive the electronic medical record platform to return in response to the electronic medical record request An electronic medical record authorization page, thereby returning a confirmation authorization instruction to the electronic medical record platform according to the electronic medical record authorization page, so that the electronic medical record platform will encrypt the target user's electronic medical record through the blockchain network when receiving the confirmation authorization instruction Send to the target server, and when receiving the confirmation information corresponding to the target insurance returned by the target server, perform the payment operation according to the confirmation information corresponding to the target insurance, so as to safely and effectively control the user's purchase qualification for the user Buying insurance reduces unnecessary disputes between policyholders and insurers.
  • FIG. 8 is a schematic structural diagram of a server according to an embodiment of the present application.
  • the server may be the target server in the foregoing method embodiment.
  • the server described in this embodiment may include: one or more processors 1000, one or more input devices 2000, one or more output devices 3000, and memory 4000.
  • the processor 1000, the input device 2000, the output device 3000, and the memory 4000 may be connected through a bus.
  • the input device 2000 and the output device 3000 may be standard wired or wireless communication interfaces.
  • the processor 1000 may be a central processing module (Central Processing Unit, CPU), and the processor may also be other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC) 2. Ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.
  • the general-purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
  • the memory 4000 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as a disk memory.
  • the memory 4000 is used to store a set of program codes, and the input device 2000, the output device 3000, and the processor 1000 can call the program codes stored in the memory 4000. specifically:
  • the processor 1000 is configured to receive, through the input device 2000, the encrypted electronic medical record of the target user sent by the electronic medical record platform through the blockchain network; the target user is the end user to be insured or the end user wants to insure Other users; verify whether the encrypted medical record of the target user meets the preset health condition; when the encrypted medical record of the target user meets the preset health condition, return to the end user selection through the output device 3000
  • the confirmation information corresponding to the target insurance is sent to the terminal corresponding to the end user, so that when the terminal receives the confirmation information, it performs a payment operation according to the confirmation information.
  • the processor 1000 is specifically configured to send a medical history query request through the output device 3000 according to the encrypted medical record of the target user; the medical history query request is used to query whether the target user has a target medical history;
  • the target medical history belongs to the range of disease exceptions set for the target insurance; the range of disease exceptions includes multiple medical histories that are not covered by insurance;
  • the stored blockchain ledger received through the input device 2000 is returned by the smart contract in response to the medical history query Query result; when the query result indicates that the target user does not have a target medical history, it is determined that the target user's electronic medical record satisfies preset health conditions.
  • the processor 1000 is specifically configured to broadcast a medical history query request on the blockchain network through the output device 3000 according to the encrypted medical record of the target user; the medical history query request is used to query the target user Whether there is a target medical history; receiving the query result returned by the blockchain server through the smart contract in response to the medical history query request through the input device 2000; when the query result indicates that the target user does not have the target medical history, determine the target user ’s The electronic medical record meets the preset health conditions.
  • the processor 1000 is further configured to return a prompt message of refusal of insurance to the terminal through the output device 3000 when the encrypted medical record of the target user does not meet the preset health condition.
  • the processor 1000, the input device 2000, and the output device 3000 described in the embodiments of the present application may execute the implementation modes described in the embodiments of FIGS. 1-3, and may also implement the implementation modes described in the embodiments of the application. And will not be repeated here.
  • the functional modules in the embodiments of the present application may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module.
  • the above integrated modules can be implemented in the form of sampling hardware or in the form of sampling software function modules.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (Read-Only Memory, ROM) or a random access memory (Random Access Memory, RAM), etc.

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Abstract

本申请实施例提供了一种在线投保方法、装置、终端及服务器，其中，该方法包括：当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台；接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；当接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。采用本申请，可以有效地对用户的购买资格进行把控以便用户购买保险。

Description

一种在线投保方法、装置、终端及服务器
本申请要求于2018年10月25日提交中国专利局、申请号为2018112503387、申请名称为“一种在线投保方法、装置、终端及服务器”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及计算机技术领域，尤其涉及一种在线投保方法、装置、终端及服务器。
背景技术
保险公司对提供的保险都附有保险事项和除外事项，其中，保险事项是指保险人应承担的责任，除外事项是指保险人不予承保的事项。然而，由于部分投保人专业知识的不足，导致该部分投保人属于除外事项而投保，从而引起投保人和保险人之间的纠纷。
发明内容
本申请实施例提供了一种在线投保方法、装置、终端及服务器，可以有效地对用户的购买资格进行把控以便用户购买保险，进而减少因投保人专业知识的不足引起的投保人和保险人之间的纠纷。
第一方面，本申请实施例提供了一种在线投保方法，应用于终端，包括：
当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台；所述电子病历平台存储了多个用户的电子病历；
接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；
根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；
当接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
第二方面，本申请实施例还提供了一种在线投保方法，应用于目标服务器，包括：
接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历；所述目标用户为待投
保的终端用户或为所述终端用户欲投保的其他用户；
校验所述加密处理后的目标用户的电子病历是否满足预设健康条件；
当所述加密处理后的目标用户的电子病历满足预设健康条件时，返回终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端，以便所述终端在接收到所述确认信息时，根据所述确认信息执行支付操作。
第三方面，本申请实施例提供了一种在线投保装置，包括用于执行如第一方面所述的方法的单元，或如第二方面所述的方法的单元。
第四方面，本申请实施例提供了一种终端，包括处理器、输入设备、输出设备和存储器，所述处理器、输入设备、输出设备和存储器相互连接，其中，所述存储器用于存储计算机程序，所述计算机程序包括程序指令，所述处理器被配置用于调用所述程序指令，执行如第一方面所述的方法。
第五方面，本申请实施例提供了一种服务器，包括处理器、输入设备、输出设备和存 储器，所述处理器、输入设备、输出设备和存储器相互连接，其中，所述存储器用于存储计算机程序，所述计算机程序包括程序指令，所述处理器被配置用于调用所述程序指令，执行如第二方面所述的方法。
第六方面，本申请实施例提供了一种计算机可读存储介质，所述计算机存储介质存储有计算机程序，所述计算机程序包括程序指令，所述程序指令当被处理器执行时使所述处理器执行如第一方面所述的方法，或如第二方面所述的方法。
综上所述，终端可以授权电子病历平台将加密处理后的目标用户的电子病历发送至目标服务器，以根据该目标服务器返回的确认信息购买目标保险，从而有效地对用户的购买资格进行把控以便用户购买保险，进而减少因投保人专业知识的不足引起的投保人和保险人之间的纠纷。
附图说明
图1是本申请实施例提供的一种在线投保方法的流程示意图；
图2是本申请实施例提供的另一种在线投保方法的流程示意图；
图3是本申请实施例提供的另一种在线投保方法的流程示意图；
图4是本申请实施例提供的一种在线投保系统的网络架构示意图；
图5是本申请实施例提供的一种在线投保装置的结构示意图；
图6是本申请实施例提供的另一种在线投保装置的结构示意图；
图7是本申请实施例提供的一种终端的结构示意图；
图8是本申请实施例提供的一种服务器的结构示意图。
具体实施方式
下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行描述。
请参阅图1，为本申请实施例提供的一种在线投保方法的流程示意图。其中，该方法可以应用于终端中，该终端包括但不限于智能手机、平板电脑、笔记本电脑、台式电脑等智能终端。具体地，该方法可以包括以下步骤：
S101、当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台。
其中，该电子病历平台存储了多个用户的电子病历。该电子病历是指数字化的医疗记录。
在一个实施例中，终端可以显示保险选择界面，该保险选择界面可以包括多个保险对应的标识，该标识可以为名称、描述信息等用于唯一标识相应保险的信息。该保险选择界面可以用于接收针对目标保险标识的选择操作。
在一个实施例中，该多个保险可以包括按照不同形式划分的健康险。例如，按照年龄划分的健康险，如老人健康险、成人健康险、少年健康险，或还可以是按照类型划分的健康险，如医疗保险、疾病保险、收入保障保险、护理保险，本申请实施例在此不一一列举。
在一个应用场景中，终端用户可以通过智能手机登录到保险公司官网以进行投保，智能手机登录保险公司官网成功后，该智能手机可以显示保险选择界面，该保险选择界面可以包括多个健康险对应的标识：健康险1、健康险2、健康险3，终端用户若希望投保健康险3，则可以在该保险选择界面选择健康险3。当智能手机检测到针对健康险3的选择操作时，可以发送电子病历请求至电子病历平台。
在一个实施例中，该保险选择界面可以是在检测到针对目标保险类别选项的选择操作后显示的。其中，该目标保险类别选项可以为健康选项。
在一个应用场景中，终端用户可以通过智能手机登录到目标应用(如可以进行投保的 即使通信应用或支付应用)以进行投保。智能手机登录目标应用成功后，该智能手机可以显示保险服务选项，终端用户在点击该保险服务选项后，智能手机可以显示多个保险类别选项：旅游、财产、健康。当终端用户选择健康选项时，智能终端可以检测到针对健康选项的选择操作，并显示该健康选项对应的保险选择界面，该保险选择界面可以包括多个健康险的标识：健康险1、健康险2、健康险3，终端用户若希望投保健康险3，则可以在该保险选择界面选择健康险3。当智能手机检测到针对健康险3的选择操作时，可以发送电子病历请求至电子病历平台。
在一个实施例中，电子病历平台还可以存储多个用户不同类别的电子病历，每一个保险可以对应一个类别的电子病历。即该目标用户的电子病历可以为该目标用户的多个类别的电子病历中，该目标保险对应的类别的电子病历。例如，该目标保险为保险1，该目标用户的电子病历可以为保险1对应的电子病历1，该目标保险为保险2，该目标用户的电子病历可以为保险2对应的电子病历2。
S102、接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面。
本申请实施例中，该电子病历平台可以接收该终端发送的电子病历请求，并可以响应于该电子病历请求返回电子病历授权页面至该终端，该终端可以接收该电子病历平台响应于该电子病历请求返回的电子病历授权页面。其中，该电子病历授权页面，可以用于询问是否授权电子病历平台共享电子病历至目标服务器。该目标服务器可以为保险公司服务器。
在一个实施例中，该电子病历授权页面可以包括确认授权选项。终端可以显示该电子病历平台响应于该电子病历请求返回的电子病历授权页面；当终端检测到针对该确认授权选项的触控操作时，可以触发步骤S103。
在一个实施例中，该电子病历授权页面还可以包括需要输入的目标用户的用户信息，例如，用户姓名、联系方式、身份证号等信息，其中，该目标用户尅以为待投保的终端用户或为该终端用户欲投保的其他用户。
在一个实施例中，当该电子病历授权页面还可以包括需要确认的目标用户的用户信息，例如，用户姓名、联系方式、身份证号等信息。在一个实施例中，当该目标用户为终端用户时，该需要用户确认的信息可以是电子病历平台通过区块链网络从目标服务器获取的。
在一个实施例中，该电子病历授权页面还可以包括取消选项，或者还可以包括注意事项、用户协议等其它信息，本申请实施例在此不一一列举。
S103、根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器。
终端可以根据该电子病历授权页面返回确认授权指令至该电子病历平台。电子病历平台可以在接收到该确认授权指令时，通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器。该目标用户可以为待投保的终端用户，或还可以为待投保的其它用户。
在一个实施例中，电子病历平台可以对该目标用户的电子病历进行同态加密处理，得到加密处理后的该目标用户的电子病历。即，该加密处理后的目标用户的电子病历，可以是同态加密处理后的该目标用户的电子病历。通过对电子病历进行同态加密处理，可以有效地保障该目标用户的隐私。
在一个实施例中，该确认授权指令可以包括在确认授权页面输入的用户信息，该电子病历平台可以根据该在确认授权页面输入的用户信息获取该目标用户的电子病历。或者，该确认授权指令可以包括在确认授权页面被确认的用户信息，该电子病历平台可以根据该在确认授权页面被确认的用户信息获取该目标用户的电子病历。
例如，该电子病历平台可以存储目标用户的电子病历与该目标用户的用户信息的对应关系，从而使得该电子病历平台可以根据该输入的用户信息以及该对应关系，获取该目标 用户的电子病历。
S104、当接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
本申请实施例中，该目标服务器可以通过区块链网络接收该电子病历平台通过区块链网络发送的该加密处理后的该目标用户的电子病历，并可以返回该目标保险对应的确认信息至终端，使得终端当接收到该目标服务器返回的该目标保险对应的确认信息时，可以根据该目标保险对应的确认信息执行支付操作。
其中，该确认信息可以包括便于终端用户购买该目标保险的信息。例如，该确认信息可以包括目标保险对应的标识、目标保险价格，还可以包括目标用户的用户信息，如姓名、身份证号等信息。在一个实施例中，该目标保险价格可以根据交费方式的不同而不同，例如，若交费方式为按月交费，则该目标保险价格可以为每月应交付的费用，若该交费方式为按年交费，则该目标保险价格可以为每年应交付的费用。
在一个实施例中，目标服务器可以记录终端用户选择的目标保险对应的标识，以便生成该目标保险对应的确认信息。该目标服务器可以是在检测到终端针对目标保险标识的选择操作后，记录的终端用户选择的目标保险对应的标识。
在一个实施例中，该确认信息可以是该目标服务器在校验该加密处理后的目标用户的电子病历满足预设健康条件后得到的。其中，该预设健康条件是指该目标保险对应的投保条件。
在一个实施例中，终端根据该目标保险对应的确认信息执行支付操作，可以是基于区块链上的，还可以是基于区块链下的，本申请实施例对其不做限制。
在一个实施例中，终端在根据该目标保险对应的确认信息执行支付操作后，可以得到支付记录，并可以将支付记录发送至目标服务器，以便目标服务器存储该支付记录，或将该支付记录写入区块链中。
在一种可选的实施方式中，当终端检测到针对目标保险对应的标识的选择操作时，终端可以显示保险购买界面，保险购买界面包括需要填写的目标用户的信息、目标保险对应的标识、目标保险价格；终端在检测到针对投保选项的选择操作时，可以发送电子病历请求至电子病历平台，并接收电子病历平台响应于所述电子病历请求返回的电子病历授权页面(包括确认授权选项)，终端可以根据该电子病历授权页面返回确认授权指令至所述电子病历平台，以便该电子病历平台在接收到该确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；当目标服务器校验该加密处理后的目标用户的电子病历满足预设健康条件时，可以允许该终端执行支付操作。
在一个实施例中，终端可以发送投保请求至预设服务器(为电子病历平台或目标服务器)以用于获取保险购买界面，该终端可以显示预设服务器根据该投保请求返回的保险购买界面。
可见，图1所示的实施例中，终端当检测到针对目标保险对应的标识的选择操作时，可以发送电子病历请求至电子病历平台，并可以接收该电子病历平台响应于该电子病历请求返回电子病历授权页面，从而根据该电子病历授权页面返回确认授权指令至该电子病历平台，以便该电子病历平台在接收到该确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器，并当接收到该目标服务器返回的该目标保险对应的确认信息时，根据该目标保险对应的确认信息执行支付操作，从而安全有效地对用户的购买资格进行把控以便用户购买保险，减少了投保人与保险人之间不必要的纠纷。
请参阅图2，为本申请实施例提供的另一种在线投保方法的流程示意图。其中，该方法可以应用于目标服务器中，该目标服务器可以为互联网中一个服务器或服务器集群。具 体地，该方法可以包括以下步骤：
S201、接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历。
电子病历平台可以通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器，目标服务器可以接收该电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历。其中，该目标用户可以为待投保的终端用户或为该终端用户欲投保的其他用户。
本申请实施例中，电子病历平台可以是在接收到终端根据电子病历授权页面返回的确认指令时，通过区块链网络将加密处理后的目标用户的电子病历发送目标服务器。
在一个实施例中，该加密处理后的目标用户的电子病历，可以为同态加密处理后的目标用户的电子病历。
S202、校验所述加密处理后的目标用户的电子病历是否满足预设健康条件。
本申请实施例中，为了保证用户投保的有效性，目标服务器可以校验该加密处理后的目标用户的电子病历是否满足预设健康条件。
在一个实施例中，目标服务器可以基于零知识证明技术，校验该加密处理后的目标用户的电子病历是否满足预设健康条件。
在一个实施例中，目标服务器校验该加密处理后的目标用户的电子病历是否满足预设健康条件，可以包括：目标服务器根据该加密处理后的目标用户的电子病历发送病史查询请求；目标服务器接收存储的区块链账本通过智能合约响应该病史查询请求返回的查询结果；当该查询结果指示该目标用户不存在目标病史时，目标服务器确定该目标用户的电子病历满足预设健康条件；当该查询结果指示该目标用户存在目标病史时，目标服务器确定该目标用户的电子病历不满足预设健康条件。
其中，该病史查询请求，可以用于询问该目标用户是否存在目标病史；该目标病史属于针对该目标保险设置的疾病例外范围；该疾病例外范围包括多个不在保险范围内的病史。例如，若该目标保险为指定健康险，则该指定健康险对应的疾病例外范围可以为：(1)癌症/恶性肿瘤，交界性肿瘤、癌前病变、原位癌或性质未明确的肿瘤；(2)高血压(在未服用抗压药的情况下，血压的收缩率≥140mmHg或舒张压≥90mmHg)，先天性心脏病、主动脉疾病、室壁瘤、风湿性心脏病、心内膜炎、心肌梗塞、心律失常、心肌病、心脏瓣膜疾病、心功能不全、脑血管畸形、脑肿瘤、短暂性脑缺血、脑卒中(脑出血、脑梗塞等)；(3)帕金森病、阿尔茨海默病、脑炎、脑膜炎、脑外伤后综合症、骨髓疾病、运动神经元病变、多发性硬化、精神病；(4)支气管扩张症、肺气肿、肺结核、尘肺、矽肺、间质性肺病、肝纤维化、胸腔积液、肺源性心脏病；(5)慢性萎缩性胃炎、胰腺炎、肝硬化、慢性活动性肝炎、肝功能衰竭、慢性酒精中毒；(6)肾炎、尿毒症、肾病综合症、肾功能不全、多裹肾、肾盂积水。其中，该指定健康险对应的疾病例外范围还可以包括其它病史，本申请实施例在此不一一列举。
在一个实施例中，目标服务器校验该加密处理后的目标用户的电子病历是否满足预设健康条件，还可以包括：目标服务器根据该加密处理后的目标用户的电子病历在区块链网络广播病史查询请求；目标服务器接收区块链服务器通过智能合约响应该病史查询请求返回的查询结果；当该查询结果指示该目标用户不存在目标病史时，目标服务器确定该目标用户的电子病历满足预设健康条件；当该查询结果指示该目标用户存在目标病史时，目标服务器确定该目标用户的电子病历不满足预设健康条件。
S203、当所述加密处理后的目标用户的电子病历满足预设健康条件时，返回终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端，以便所述终端在接收到所述确认信息时，根据所述确认信息执行支付操作。
本申请实施例中，当该加密处理后的目标用户的电子病历满足预设健康条件时，服务 器可以返回该终端用户选择的目标保险对应的确认信息至该终端用户对应的终端，以使得终端在接收到该目标保险对应的确认信息时，可以根据该目标保险对应的确认信息执行支付操作。
在一个实施例中，目标服务器可以记录终端用户选择的目标保险对应的标识，以当所述加密处理后的目标用户的电子病历满足预设健康条件时，生成该目标保险对应的确认信息。
其中，该确认信息可以包括便于终端用户购买该目标保险的信息。例如，该确认信息可以包括目标保险对应的标识、目标保险价格，还可以包括目标用户的用户信息，如姓名、身份证号等信息。
可见，图2所示的实施例中，目标服务器可以接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历，并校验该加密处理后的目标用户的电子病历是否满足预设健康条件；当该加密处理后的目标用户的电子病历满足预设健康条件时，目标服务器可以返回该终端用户选择的目标保险对应的确认信息至该终端用户对应的终端，以便该终端在接收到该确认信息时，根据该确认信息执行支付操作从而安全有效地对用户的购买资格进行把控以便用户购买保险，减少了投保人与保险人之间不必要的纠纷。
请参阅图3，为本申请实施例提供的另一种在线投保方法的流程示意图。具体地，该方法可以包括以下步骤：
S301、终端当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台；
S302、电子病历平台响应于所述电子病历请求返回电子病历授权页面至终端。
在步骤S301-S302中，终端可以当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台，电子病历平台可以响应于该电子病历请求返回电子病历授权页面至终端。
其中，该电子病历授权页面，可以用于询问是否授权电子病历平台共享电子病历至目标服务器。该目标服务器可以为保险公司服务器。
S303、终端接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；
S304、终端根据所述电子病历授权页面返回确认授权指令至所述电子病历平台；
S305、电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器。
在步骤S303-S305中，终端可以接收电子病历平台响应于该电子病历请求返回的电子病历授权页面，并可以根据该电子病历授权页面返回确认授权指令至该电子病历平台，以使电子病历平台在接收到该确认授权指令时，可以通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器。
在一个实施例中，该电子病历授权页面可以包括确认授权选项，终端可以显示该电子病历授权页面，并当检测到针对该确认授权选项的触控操作时，可以触发根据该电子病历授权页面返回确认授权指令至该电子病历平台的步骤。
在一个实施例中，该加密处理后的目标用户的电子病历可以为经过同态加密处理后的目标用户的电子病历。
S306、目标服务器接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历；
S307、目标服务器校验所述加密处理后的目标用户的电子病历是否满足预设健康条件；
S308、当所述加密处理后的目标用户的电子病历满足预设健康条件时，目标服务器返回终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端。
在步骤S306-S308中，目标服务器可以接收电子病历平台通过区块链网络发送多个加密处理后的目标用户的电子病历，并可以校验该加密处理后的目标用户的电子病历是否满足预设健康条件，从而在该加密处理后的目标用户的电子病历满足预设健康条件时，返回该终端用户选择的目标保险对应的确认信息至该终端用户对应的终端。
在一个实施例中，当该加密处理后的目标用户的电子病历不满足预设健康条件时，服务器可以返回拒绝投保的提示信息至该终端。本申请实施例通过判断电子病历是否满足预设健康条件，可以有效地减小用户因在不符合投保条件的情况下投保而酿成纠纷的情况。
S309、终端当接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
其中，终端根据该目标保险对应的确认信息执行支付操作，可以是基于区块链上的，还可以是基于区块链下的，本申请实施例对其不做限制。
在一个实施例中，终端在根据该目标保险对应的确认信息执行支付操作后，可以得到支付记录，并可以将支付记录发送至目标服务器，以便目标服务器存储该支付记录，或将该支付记录写入区块链中。
可见，图3所示的实施例中，终端当检测到针对目标保险对应的标识的选择操作时，可以发送电子病历请求至电子病历平台，电子病历平台可以响应于该电子病历请求返回电子病历授权页面至该终端；终端可以接收该电子病历平台响应于该电子病历请求返回电子病历授权页面，并根据该电子病历授权页面返回确认授权指令至该电子病历平台；电子病历平台在接收到该确认授权指令时可以通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器，以使目标服务器在确定该加密处理后的目标用户的电子病历满足预设健康条件时，发送目标保险对应的确认信息至终端，从而使得终端当接收到该目标服务器返回的该目标保险对应的确认信息时，可以根据该目标保险对应的确认信息执行支付操作，使得投保过程更为安全有效，减少了用户与保险公司不必要的纠纷。
请参阅图4，为本申请实施例提供的一种在线投保系统的网络架构示意图。其中，该系统可以包括终端10，电子病历平台20、服务器30。终端10可以分别与电子病历平台20和服务器30建立通信。电子病历平台20可以与服务器30通过区块链网络建立通信。
终端10可以通过执行步骤S301，以发送电子病历请求至电子病历平台20，电子病历平台20可以通过执行步骤S302以发送电子病历授权页面至终端10。终端10可以通过执行步骤S303-S304以返回确认授权指令至电子病历平台20，使得电子病历平台20可以执行步骤S305，以通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器30，从而使得目标服务器30可以通过执行步骤S306-S308返回目标保险对应的确认信息至终端10，以便终端10通过执行步骤S309购买该目标保险，使得投保过程更为安全有效，减少了用户与保险公司不必要的纠纷。
请参阅图5，为本申请实施例提供的一种在线投保装置的结构示意图。该在线投保装置可以应用在终端中。具体地，该装置可以包括：
发送单元501，用于当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台；所述电子病历平台存储了多个用户的电子病历；
接收单元502，用于接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；
发送单元501，还用于根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；
处理单元503，用于当通过接收单元502接收到所述目标服务器返回的所述目标保险 对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
在一种可选的实施方式中，所述确认信息是所述目标服务器在校验所述加密处理后的目标用户的电子病历满足预设健康条件后得到的。
在一种可选的实施方式中，显示单元504，用于显示所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；所述电子病历授权页面包括确认授权选项。
在一种可选的实施方式中，处理单元503，还用于当检测到针对所述确认授权选项的触控操作时，触发发送单元501根据所述电子病历授权页面返回确认授权指令至所述电子病历平台。
可见，图5所示的实施例中，终端当检测到针对目标保险对应的标识的选择操作时，可以发送电子病历请求至电子病历平台，并可以接收该电子病历平台响应于该电子病历请求返回电子病历授权页面，从而根据该电子病历授权页面返回确认授权指令至该电子病历平台，以便该电子病历平台在接收到该确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器，并当接收到该目标服务器返回的针对该目标保险对应的确认信息时，根据该目标保险对应的确认信息执行支付操作，从而安全有效地对用户的购买资格进行把控以便用户购买保险，减少了投保人与保险人之间不必要的纠纷。
请参阅图6，为本申请实施例提供的另一种在线投保装置的结构示意图，其中，该装置可以应用于目标服务器。具体地，该装置可以包括：
通信单元601，用于接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历；所述目标用户为待投保的终端用户或为所述终端用户欲投保的其他用户；
处理单元602，用于校验所述加密处理后的目标用户的电子病历是否满足预设健康条件；
通信单元601，还用于当所述加密处理后的目标用户的电子病历满足预设健康条件时，返回终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端，以便所述终端在接收到所述确认信息时，根据所述确认信息执行支付操作。
在一种可选的实施方式中，处理单元602，具体用于通过通信单元601根据所述加密处理后的目标用户的电子病历发送病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；所述目标病史属于针对目标保险设置的疾病例外范围；所述疾病例外范围包括多个不在保险范围内的病史；通过通信单元601接收存储的区块链账本通过智能合约响应该病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
在一种可选的实施方式中，处理单元602，具体用于通过通信单元601根据所述加密处理后的目标用户的电子病历在区块链网络广播病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；通过通信单元601接收区块链服务器通过智能合约响应所述病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
在一种可选的实施方式中，通信单元601，还用于当所述加密处理后的目标用户的电子病历不满足预设健康条件时，返回拒绝投保的提示信息至所述终端。
可见，图6所示的实施例中，目标服务器可以接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历，并校验该加密处理后的目标用户的电子病历是否满足预设健康条件；当该加密处理后的目标用户的电子病历满足预设健康条件时，目标服务器可以返回该目标用户选择的目标保险对应的确认信息至该目标用户对应的终端，以便该终端在接收到该确认信息时，根据该确认信息执行支付操作，从而安全有效地对用户的购买资格进行把控以便用户购买保险，减少了投保人与保险人之间不必要的纠纷。
请参阅图7，为本申请实施例提供的一种终端的结构示意图。具体地，本实施例中所描述的终端可以包括：一个或多个处理器100，一个或多个输入设备200，一个或多个输出设备300和存储器400。处理器100、输入设备200、输出设备300和存储器400可以通过总线连接。
输入设备200、输出设备300可以是标准的有线或无线通信接口。其中,输入设备200还可以为触摸屏。输出设备300可以为显示屏，如液晶显示屏。在一种可选的实施方式中，输入设备200和输出设备300可以集成为一个设备，如触摸显示屏，用于实现触摸显示功能。
处理器100可以是中央处理模块(Central Processing Unit，CPU)，该处理器还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现成可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。
存储器400可以是高速RAM存储器，也可为非不稳定的存储器(non-volatile memory)，例如磁盘存储器。存储器400用于存储一组程序代码，输入设备200、输出设备300和处理器100可以调用存储器400中存储的程序代码。具体地：
处理器100，用于当检测到针对目标保险对应的标识的选择操作时，通过输出设备300发送电子病历请求至电子病历平台；所述电子病历平台存储了多个用户的电子病历；通过输入设备200接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；通过输出设备300根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；当通过输入设备200接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
可选地，所述确认信息是所述目标服务器在校验所述加密处理后的目标用户的电子病历满足预设健康条件后得到的。
可选地，处理器100，还用于通过输出设备300显示所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；所述电子病历授权页面包括确认授权选项；当检测到针对所述确认授权选项的触控操作时，触发输出设备300根据所述电子病历授权页面返回确认授权指令至所述电子病历平台。
具体实现中，本申请实施例中所描述的处理器100、输入设备200、输出设备300可执行图1-图3实施例所描述的实现方式，也可执行本申请实施例所描述的实现方式，在此不再赘述。
可见，图7所示的实施例中，终端当检测到针对目标保险对应的标识的选择操作时，可以发送电子病历请求至电子病历平台，并可以接收该电子病历平台响应于该电子病历请求返回电子病历授权页面，从而根据该电子病历授权页面返回确认授权指令至该电子病历平台，以便该电子病历平台在接收到该确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器，并当接收到该目标服务器返回的针对该目标保险对应的确认信息时，根据该目标保险对应的确认信息执行支付操作，从而安全有效地对用户的购买资格进行把控以便用户购买保险，减少了投保人与保险人之间不必要的纠纷。
请参阅图8，为本申请实施例提供的一种服务器的结构示意图。该服务器可以为前述方法实施例中的目标服务器。其中，本实施例中所描述的服务器可以包括：一个或多个处理器1000，一个或多个输入设备2000，一个或多个输出设备3000和存储器4000。处理器1000、输入设备2000、输出设备3000和存储器4000可以通过总线连接。
输入设备2000、输出设备3000可以是标准的有线或无线通信接口。
处理器1000可以是中央处理模块(Central Processing Unit，CPU)，该处理器还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现成可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。
存储器4000可以是高速RAM存储器，也可为非不稳定的存储器(non-volatile memory)，例如磁盘存储器。存储器4000用于存储一组程序代码，输入设备2000、输出设备3000和处理器1000可以调用存储器4000中存储的程序代码。具体地：
处理器1000，用于通过输入设备2000接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历；所述目标用户为待投保的终端用户或为所述终端用户欲投保的其他用户；校验所述加密处理后的目标用户的电子病历是否满足预设健康条件；当所述加密处理后的目标用户的电子病历满足预设健康条件时，通过输出设备3000返回终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端，以便所述终端在接收到所述确认信息时，根据所述确认信息执行支付操作。
可选地，处理器1000，具体用于通过输出设备3000根据所述加密处理后的目标用户的电子病历发送病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；所述目标病史属于针对目标保险设置的疾病例外范围；所述疾病例外范围包括多个不在保险范围内的病史；通过输入设备2000接收存储的区块链账本通过智能合约响应该病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
可选地，处理器1000，具体用于通过输出设备3000根据所述加密处理后的目标用户的电子病历在区块链网络广播病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；通过输入设备2000接收区块链服务器通过智能合约响应所述病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
可选地，处理器1000，还用于当所述加密处理后的目标用户的电子病历不满足预设健康条件时，通过输出设备3000返回拒绝投保的提示信息至所述终端。
具体实现中，本申请实施例中所描述的处理器1000、输入设备2000、输出设备3000可执行图1-图3实施例所描述的实现方式，也可执行本申请实施例所描述的实现方式，在此不再赘述。
在本申请各个实施例中的各功能模块可以集成在一个处理模块中，也可以是各个模块单独物理存在，也可以是两个或两个以上模块集成在一个模块中。上述集成的模块既可以采样硬件的形式实现，也可以采样软件功能模块的形式实现。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)或随机存储记忆体(Random Access Memory，RAM)等。
以上所揭露的仅为本申请一种较佳实施例而已，当然不能以此来限定本申请之权利范围，本领域普通技术人员可以理解实现上述实施例的全部或部分流程，并依本申请权利要求所作的等同变化，仍属于发明所涵盖的范围。

Claims (20)

  1. 一种在线投保方法，应用于终端，其特征在于，包括：
    当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台；所述电子病历平台存储了多个用户的电子病历；
    接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；
    根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；
    当接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
  2. 根据权利要求1所述的方法，其特征在于，所述确认信息是所述目标服务器在校验所述加密处理后的目标用户的电子病历满足预设健康条件后得到的。
  3. 根据权利要求1或2所述的方法，其特征在于，所述方法还包括：
    显示所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；所述电子病历授权页面包括确认授权选项；
    当检测到针对所述确认授权选项的触控操作时，触发所述根据所述电子病历授权页面返回确认授权指令至所述电子病历平台的步骤。
  4. 一种在线投保方法，应用于目标服务器，其特征在于，包括：
    接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历；所述目标用户为待投保的终端用户或为所述终端用户欲投保的其他用户；
    校验所述加密处理后的目标用户的电子病历是否满足预设健康条件；
    当所述加密处理后的目标用户的电子病历满足预设健康条件时，返回所述终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端，以便所述终端在接收到所述确认信息时，根据所述确认信息执行支付操作。
  5. 根据权利要求4所述的方法，其特征在于，所述校验所述加密处理后的目标用户的电子病历是否满足预设健康条件，包括：
    根据所述加密处理后的目标用户的电子病历发送病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；所述目标病史属于针对目标保险设置的疾病例外范围；所述疾病例外范围包括多个不在保险范围内的病史；
    接收存储的区块链账本通过智能合约响应该病史查询请求返回的查询结果；
    当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
  6. 根据权利要求4所述的方法，其特征在于，所述校验所述加密处理后的目标用户的电子病历是否满足预设健康条件，包括：
    根据所述加密处理后的目标用户的电子病历在区块链网络广播病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；
    接收区块链服务器通过智能合约响应所述病史查询请求返回的查询结果；
    当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
  7. 根据权利要求4-6任一权利要求所述的方法，其特征在于，所述方法还包括：
    当所述加密处理后的目标用户的电子病历不满足预设健康条件时，返回拒绝投保的提示信息至所述终端。
  8. 一种在线投保装置，应用于终端，其特征在于，包括：
    发送单元，用于当检测到针对目标保险对应的标识的选择操作时，发送电子病历请求至电子病历平台；所述电子病历平台存储了多个用户的电子病历；
    接收单元，用于接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；
    所述发送单元，还用于根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；
    处理单元，用于当接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
  9. 根据权利要求8所述的装置，其特征在于，所述确认信息是所述目标服务器在校验所述加密处理后的目标用户的电子病历满足预设健康条件后得到的。
  10. 根据权利要求8或9所述的装置，其特征在于，所述装置还包括显示单元，其中：
    所述显示单元，用于显示所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；所述电子病历授权页面包括确认授权选项；
    所述处理单元，还用于当检测到针对所述确认授权选项的触控操作时，触发所述发送单元根据所述电子病历授权页面返回确认授权指令至所述电子病历平台。
  11. 一种在线投保装置，应用于目标服务器，其特征在于，包括：
    通信单元，用于接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历；所述目标用户为待投保的终端用户或为所述终端用户欲投保的其他用户；
    处理单元，用于校验所述加密处理后的目标用户的电子病历是否满足预设健康条件；
    所述通信单元，还用于当所述加密处理后的目标用户的电子病历满足预设健康条件时，返回所述终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端，以便所述终端在接收到所述确认信息时，根据所述确认信息执行支付操作。
  12. 根据权利要求11所述的装置，其特征在于，所述处理单元，具体用于通过所述通信单元根据所述加密处理后的目标用户的电子病历发送病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；所述目标病史属于针对目标保险设置的疾病例外范围；所述疾病例外范围包括多个不在保险范围内的病史；通过所述通信单元接收存储的区块链账本通过智能合约响应该病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
  13. 根据权利要求11所述的装置，其特征在于，所述处理单元，具体用于通过所述通信单元根据所述加密处理后的目标用户的电子病历在区块链网络广播病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；通过所述通信单元接收区块链服务器通过智能合约响应所述病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
  14. 根据权利要求11-13任一权利要求所述的装置，其特征在于，所述通信单元，还用于当所述加密处理后的目标用户的电子病历不满足预设健康条件时，返回拒绝投保的提示信息至所述终端。
  15. 一种终端，其特征在于，包括处理器、输入设备、输出设备和存储器，所述处理器、输入设备、输出设备和存储器相互连接，其中，所述存储器用于存储计算机程序，所述计算机程序包括程序指令，所述处理器被配置用于调用所述程序指令，执行：当检测到针对目标保险对应的标识的选择操作时，通过所述输出设备发送电子病历请求至电子病历平台；所述电子病历平台存储了多个用户的电子病历；通过所述输入设备接收所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；通过所述输出设备根据所述电子病历授权页面返回确认授权指令至所述电子病历平台，以便所述电子病历平台在接收到 所述确认授权指令时通过区块链网络将加密处理后的目标用户的电子病历发送至目标服务器；当通过所述输入设备接收到所述目标服务器返回的所述目标保险对应的确认信息时，根据所述目标保险对应的确认信息执行支付操作。
  16. 根据权利要求15所述的终端，其特征在于，所述处理器，还用于通过所述输出设备显示所述电子病历平台响应于所述电子病历请求返回的电子病历授权页面；所述电子病历授权页面包括确认授权选项；当检测到针对所述确认授权选项的触控操作时，触发通过所述输出设备根据所述电子病历授权页面返回确认授权指令至所述电子病历平台。
  17. 一种服务器，其特征在于，包括处理器、输入设备、输出设备和存储器，所述处理器、输入设备、输出设备和存储器相互连接，其中，所述存储器用于存储计算机程序，所述计算机程序包括程序指令，所述处理器被配置用于调用所述程序指令，执行：通过所述输入设备接收电子病历平台通过区块链网络发送的加密处理后的目标用户的电子病历；所述目标用户为待投保的终端用户或为所述终端用户欲投保的其他用户；校验所述加密处理后的目标用户的电子病历是否满足预设健康条件；当所述加密处理后的目标用户的电子病历满足预设健康条件时，通过所述输出设备返回所述终端用户选择的目标保险对应的确认信息至所述终端用户对应的终端，以便所述终端在接收到所述确认信息时，根据所述确认信息执行支付操作。
  18. 根据权利要求17所述的服务器，其特征在于，所述处理器，具体用于通过所述输出设备根据所述加密处理后的目标用户的电子病历发送病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；所述目标病史属于针对目标保险设置的疾病例外范围；所述疾病例外范围包括多个不在保险范围内的病史；通过所述输入设备接收存储的区块链账本通过智能合约响应该病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
  19. 根据权利要求17所述的服务器，其特征在于，所述处理器具体用于通过所述输出设备根据所述加密处理后的目标用户的电子病历在区块链网络广播病史查询请求；所述病史查询请求，用于询问所述目标用户是否存在目标病史；通过所述输入设备接收区块链服务器通过智能合约响应所述病史查询请求返回的查询结果；当所述查询结果指示所述目标用户不存在目标病史时，确定所述目标用户的电子病历满足预设健康条件。
  20. 一种计算机可读存储介质，其特征在于，所述计算机存储介质存储有计算机程序，所述计算机程序包括程序指令，所述程序指令当被处理器执行时使所述处理器执行如权利要求1-3任意一项所述的方法，或如权利要求4-7任意一项所述的方法。
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