WO2020125218A1 - 一种基于区块链的理赔方法和装置 - Google Patents

一种基于区块链的理赔方法和装置 Download PDF

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WO2020125218A1
WO2020125218A1 PCT/CN2019/114356 CN2019114356W WO2020125218A1 WO 2020125218 A1 WO2020125218 A1 WO 2020125218A1 CN 2019114356 W CN2019114356 W CN 2019114356W WO 2020125218 A1 WO2020125218 A1 WO 2020125218A1
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insurance
blockchain
smart contract
insured
contract
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PCT/CN2019/114356
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English (en)
French (fr)
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王世杰
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阿里巴巴集团控股有限公司
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Priority to SG11202100963QA priority Critical patent/SG11202100963QA/en
Publication of WO2020125218A1 publication Critical patent/WO2020125218A1/zh
Priority to US17/169,493 priority patent/US11544794B2/en

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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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • 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
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/126—Applying verification of the received information the source of the received data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/06—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for block-wise or stream coding, e.g. DES systems or RC4; Hash functions; Pseudorandom sequence generators
    • H04L9/0643—Hash functions, e.g. MD5, SHA, HMAC or f9 MAC
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3236—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions
    • H04L9/3239—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Definitions

  • This specification relates to the field of data processing technology, and in particular, to a claims settlement method and device based on blockchain.
  • Blockchain technology also known as distributed ledger technology, is an emerging technology in which several computing devices jointly participate in "bookkeeping" and jointly maintain a complete distributed database.
  • Blockchain technology has the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and data synchronization can be quickly performed between computing devices, making blockchain technology widely used in many fields. To apply.
  • This specification provides a blockchain-based claims method, which is applied to a blockchain that includes insurance claimants and insured node devices.
  • the blockchain deploys a first smart contract for insurance claims; the method include:
  • the first transaction includes claim event data corresponding to the insured party;
  • the claiming of the insured based on the claim event data includes:
  • the claim processing of the insured based on the claim event data includes:
  • the insurance claimant and the insured have signed an insurance claim contract, and the insurance claim contract includes the insurance claim rules corresponding to the insured;
  • the first smart contract is generated based on the insurance claims contract.
  • the method further includes:
  • the insurance claim logic corresponding to the insurer Call the first smart contract, execute the insurance claim logic generation logic declared by the first smart contract, and generate the contact with the subject in the first smart contract based on the insurance claim rules corresponding to the insured party The insurance claim logic corresponding to the insurer.
  • the method further includes:
  • the first transaction further includes insurance claim logic identification information.
  • the blockchain is a consortium chain
  • the insurance claimant node device is a consortium member node device of the consortium chain.
  • this specification also provides a claims settlement device based on a blockchain, which is applied to a blockchain including node nodes of an insurance claimant and an insured, and the blockchain is deployed with a first smart contract for insurance claims ;
  • the device includes:
  • An obtaining unit to obtain a first transaction for claim settlement of the insured party, the first transaction including claim event data corresponding to the insured party;
  • the execution unit calls the first smart contract, executes the insurance claim logic declared by the first smart contract corresponding to the insured party, and performs claim processing on the insured party based on the claim event data.
  • the execution unit :
  • the execution unit :
  • the insurance claimant and the insured have signed an insurance claim contract, and the insurance claim contract includes the insurance claim rules corresponding to the insured;
  • the first smart contract is generated based on the insurance claims contract.
  • the acquisition unit acquires a second transaction generated based on the insurance settlement contract
  • the execution unit invokes the first smart contract, executes the insurance claim logic generation logic declared by the first smart contract, and generates an agency within the first smart contract based on the insurance claim rules corresponding to the insured party Describe the insurance claim logic corresponding to the insured party.
  • the device further includes a sending unit
  • the acquiring unit acquiring a third transaction generated based on the insurance settlement contract
  • the execution unit invoke a second smart contract, execute the first smart contract generation logic declared by the second smart contract, and generate the first smart contract corresponding to the insured party based on the insurance claim contract;
  • the sending unit sends the first smart contract to the blockchain, so that the first smart contract is deployed on the blockchain after the consensus verification of the blockchain node device.
  • the first transaction further includes insurance claim logic identification information.
  • the blockchain is a consortium chain
  • the insurance claimant node device is a consortium member node device of the consortium chain.
  • This specification also provides a computer device, including: a memory and a processor; a computer program executable by the processor is stored on the memory; when the processor runs the computer program, the above-mentioned blockchain-based claims are executed The steps described in the method.
  • the blockchain-based claims settlement method and device provided in this specification set the insurance claimant and the insured party as the nodes of the blockchain, by calling the The first smart contract of the insurance claim logic corresponding to the party automatically executes the claim operation on the insured party.
  • FIG. 1 is a flowchart of a blockchain-based claims method shown in an embodiment provided by this specification
  • FIG. 2 is a schematic diagram of a blockchain-based claims settlement device according to an embodiment provided by this specification
  • FIG. 3 is a hardware structure diagram of an embodiment of a claims settlement device based on a blockchain provided in this specification.
  • the steps of the corresponding method are not necessarily performed in the order shown and described in this specification.
  • the method may include more or fewer steps than described in this specification.
  • the single step described in this specification may be decomposed into multiple steps for description in other embodiments; and the multiple steps described in this specification may also be combined into a single step in other embodiments. description.
  • 1 is a flowchart of a claims settlement method based on a blockchain provided by an exemplary embodiment of this specification, the blockchain includes insurance claimant node devices and insured node devices; the blockchain deployment There is the first smart contract for insurance claims.
  • the blockchain described in this embodiment may specifically refer to a P2P network system with distributed data storage structure reached by each node through a consensus mechanism.
  • the data in the blockchain is distributed in time-connected "areas" Within the “block", the latter block contains the data summary of the previous block, and according to the specific consensus mechanism (such as POW, POS, DPOS, or PBFT, etc.), complete data backup of all or some nodes is achieved .
  • the specific consensus mechanism such as POW, POS, DPOS, or PBFT, etc.
  • the blockchain system has the characteristics of ensuring data security and preventing attack and tampering comparable to other centralized database systems. It can be seen that in the embodiment provided in this specification, the data included in the distributed database of the blockchain will not be attacked or tampered, thereby ensuring that the insurance claim logic declared by the first smart contract corresponds to The true accuracy of the code data.
  • the node devices of the insurance claimant and the insured described in this embodiment can both join the blockchain as installation nodes by following the installation of the corresponding node protocol and running the node protocol program.
  • a person skilled in the art usually refers to a node device with full backup of data in a blockchain distributed database as a full node, and a node device with partial backup data of a blockchain distributed database (such as data with only a block header) It is called a light node or client, etc.; the node devices of the insurance claimant and the insured in this embodiment may include the above-mentioned full node, light node or client, as long as they are directly or indirectly connected to the above-mentioned blockchain Any device that can send or obtain data of the distributed database of the blockchain can be called the node device described in this embodiment.
  • the first smart contract can be deployed on the chain by an insurance claimant insured with the insured, or It is deployed by a dedicated user in the blockchain, such as an insurance claims alliance agency or supervisory agency, or a management agency for insurance claims smart contracts, or it can be deployed by other users or smart contracts.
  • the above-mentioned blockchain-based claims settlement methods include:
  • Step 102 Obtain a first transaction for claiming the insured party, where the first transaction includes claim event data corresponding to the insured party.
  • the insurance claimant described in this embodiment may include an organization that issues insurance products, an organization that reviews and claims claims event data, such as various independent insurance companies, and a settlement service platform organization set up by multiple insurance companies, etc. .
  • the insured parties described in this embodiment may include users who participate in insurance and apply for claims based on the insured event that occurred, and may also include users who are not participating in insurance but are beneficiaries of insurance contracts, and so on.
  • the transaction described in this specification refers to a piece of data created by the users of all parties through the node device end of the blockchain and required to be finally released to the distributed database of the blockchain.
  • a narrowly defined transaction refers to a value transfer issued by the user to the blockchain; for example, in the traditional Bitcoin blockchain network, the transaction can be a transfer initiated by the user in the blockchain.
  • the generalized transaction refers to a piece of business data with business intent published by the user to the blockchain; for example, the transaction can be a business with business intent that has nothing to do with value transfer (such as , Rental services, vehicle scheduling services, insurance claims services, credit services, medical services, etc.) messages or business requests.
  • the first transaction described in this embodiment is the business data containing the claim event data corresponding to the insured party and used to invoke the smart contract.
  • the first transaction described in the above embodiment provided in this specification may be that the insurance claimant generates and sends based on the claim event data corresponding to the insured party after receiving the insured party's claim application; or it may be the insured party It is sent directly based on the generated claim event data, and can also be generated and sent by the business organization that generated or recorded the above claim event data, such as the medical institution that occurred and recorded the user medical treatment event data, and the vehicle maintenance event occurred and recorded Vehicle maintenance agencies, etc.
  • This specification does not limit the identity of the sending user of the above-mentioned first transaction.
  • the claims event data corresponding to the insured party included in the first exchange is the event data based on when the insured party applies for claims to the insurance claimant, such as the medical record information corresponding to the insured user who is insured for medical insurance or health insurance.
  • Step 104 Invoke the first smart contract, execute the insurance claim logic declared by the first smart contract corresponding to the insured party, and perform claim processing on the insured party based on the claim event data.
  • Smart contracts are usually computer executable programs that are deployed on the blockchain after compilation. Before a smart contract is deployed on the blockchain, it needs to be verified by the consensus of the blockchain nodes.
  • the first smart contract that declares the insurance claim logic corresponding to the insured party mentioned above can be included in the distributed database of the blockchain after the consensus verification of the blockchain node
  • the consensus nodes jointly monitor and verify the setting of the above insurance claims logic.
  • the node device of the blockchain After acquiring the above-mentioned first transaction, the node device of the blockchain calls the first smart contract pointed to by the first exchange (based on the smart contract address and function interface included in the first transaction), each node device can be based on the above-mentioned first transaction
  • a transaction calls the first smart contract, performs insurance claim calculation, and generates a result of the call execution, that is, claims processing is performed on the insured party.
  • the results of the first smart contract call and execution that is, the claim of the insured party
  • the results of their execution can be included in the distributed blockchain In the database for deposit certificate.
  • the consensus mechanism used in the consensus verification of the blockchain nodes described in this embodiment may include a proof-of-work mechanism (PoW), or a proof-of-rights mechanism (PoS), or a proof-of-stake authorization mechanism (DPoS), etc.
  • PoW proof-of-work mechanism
  • PoS proof-of-rights mechanism
  • DoS proof-of-stake authorization mechanism
  • the PoS or DPoS consensus mechanism is similar to PoW, and both belong to the consensus algorithm commonly used in the public blockchain to confirm the consensus accounting node.
  • the embodiments provided in this specification can also use the alliance chain architecture to construct the block chain.
  • an insurance claimant an insurance business company or an insurance alliance platform, and a supervisory agency (such as the China Insurance Regulatory Commission and other government agencies) on insurance and claims settlement can be used as member node devices of the alliance chain and can be used as a pre-selected Node, participate in the accounting of the block.
  • the consensus process of the alliance chain is also controlled by the pre-selected nodes. When there are more than a set number of nodes (such as 2/3) on the network to confirm a block, the transactions or data recorded in the block will be confirmed by the entire network.
  • the alliance chain usually adopts proof-of-stake or consensus algorithms such as PBFT and RAFT.
  • PBFT proof-of-stake or consensus algorithms
  • RAFT RAFT
  • the PBFT algorithm as a preferred implementation of the consensus algorithm of the alliance chain provided in this specification, is due to the high efficiency of consensus using this algorithm, which can meet the needs of high-frequency transaction volume. For example, in this embodiment, each is insured The party will frequently generate claims event data, and accordingly, the node device of the blockchain will send the first transaction to the blockchain for claims processing very frequently.
  • the time delay of PBFT algorithm consensus is very low, basically meeting the requirements of real-time processing, and the first transaction can be included in the nascent block of the blockchain quickly and in real time; moreover, the trusted nodes in the alliance chain network are used as pre-selected accounting Nodes take into account both security and stability; in addition, the use of PBFT algorithm will not consume too much computing power resources, nor does it necessarily require token circulation, so it has good usability.
  • the first smart contract based on the call provided by this embodiment executes the settlement of the insured party, which has an efficient processing efficiency.
  • the smart contract can be invoked by the corresponding user at any time (no need to wait in the traditional mode and reserve the working hours of the insurance claim company), which greatly improves the efficiency of claim processing.
  • the above claims processing for the insured party may include: sending a settlement plan transaction to the insured party to the blockchain, and the settlement plan transaction may include calculation based on the claims event data Contents such as the amount of claims, the issuance time of the claims, and the method of sending, etc., may also include a notification message that is not based on the claims event data and is not calculated.
  • the above-mentioned claim solution obtained through the execution of the first smart contract can be stored in the distributed database of the above-mentioned blockchain to prepare for blockchain nodes, such as insured parties, insurance supervision institutions, judicial institutions, etc. to query and obtain evidence.
  • the claim processing of the insured party based on the claim event data includes: calculating a claim amount based on the claim event data; to the insured party’s blockchain
  • the account remits (or transfers) the asset certificate corresponding to the claim amount.
  • the above asset certificates can correspond to smart assets such as tokens and digital assets in the blockchain, and can also correspond to off-chain assets such as cash, securities, coupons, and real estate outside the blockchain. Limit it.
  • Those skilled in the art should know that the above-mentioned remittance (or transfer) of the asset certificate corresponding to the claim amount to the insured's blockchain account can be included in the distributed blockchain in the form of a transfer transaction Database.
  • the claim method provided in this embodiment when the above asset certificate is a digital asset circulating on the blockchain, the operation of issuing claim assets is directly completed on the blockchain; when the above asset certificate is an asset outside the blockchain, the The certificate for the issuance of claim assets has been completed on the blockchain. Therefore, compared with the claim method provided in the previous embodiment for generating a claim solution on the blockchain, it has higher business processing efficiency.
  • the first smart contract described in the above one or more embodiments can wait for the consensus verification of the node device of the insured party and the insurance claimant after being directly written and generated to be included in the distributed database of the blockchain , Can also be generated based on the above insurance claim contract: for example, based on the insurance claim rules included in the insurance claim contract, write the code corresponding to the insurance claim logic declared in the smart contract; or import the insurance claim rules corresponding to the insured party into the insurance claim contract template , Use the contract template to directly generate the first smart contract; and so on. After the above-mentioned first smart contract is generated, it can be compiled and deployed on the chain.
  • the above-mentioned first smart contract may have a function of generating computer-executable insurance claim logic according to the insurance claim rules stipulated in the insurance claim contract. Therefore, the first smart contract described in the above embodiments
  • the process of generating the insurance claim logic of the contract declaration includes: the nodes of the blockchain obtain the second transaction generated based on the insurance claim contract; call the first smart contract and execute the generation of the insurance claim logic declared by the first smart contract Logic, based on the insurance claim rules corresponding to the insured party, generating the insurance claim logic corresponding to the insured party in the first smart contract.
  • the first smart contract can be used as an insurance claim contract template on the blockchain, and upon the call of the second transaction generated based on the insurance claim contract, the generation of the insurance claim logic corresponding to the insured party can be performed on the blockchain In operation, the code of the insurance claim logic generated above is updated into the code of the first smart contract.
  • blockchain users with the authority to update the first smart contract are usually special users designated by the first smart contract, such as insurance companies and insurance alliances.
  • the first smart contract can also be generated and deployed by other smart contracts.
  • the above-mentioned first smart contract generation process includes: the node device of the blockchain obtains the third transaction generated based on the insurance claims contract; calls the second smart contract and executes the first smart contract generation logic declared by the second smart contract , Generate the first smart contract corresponding to the insured party based on the insurance claim contract; send the first smart contract to the blockchain so that the first smart contract passes through the area After the consensus of the blockchain node device is verified, it is deployed on the blockchain.
  • the above-mentioned second smart contract should generally have a code compilation function, an electronic signature function, and so on.
  • the first smart contract can perform claims processing for multiple insured parties or multiple insurance claim logics, for example, deploying intelligence outside the chain
  • a corresponding second transaction is generated and the The call of the second transaction updates various insurance claim logics of multiple insured parties to the code of the first smart contract.
  • the above-mentioned first transaction may further include insurance claim logic identification information.
  • the claim logic identification information can be expressed as the insured's identification information, or the unique encoding information of the insurance claim contract, or the unique identification information of the insurance claim logic, etc.
  • the embodiment of the present specification also provides a claims settlement device 20 based on the blockchain.
  • the device 20 may be implemented by software, or by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions into the memory through the CPU (Central Processing Unit) of the device where it is located. From a hardware perspective, in addition to the CPU, memory, and storage shown in FIG. 3, the device where the network risk service implementation device is located usually also includes other hardware such as chips for wireless signal transmission and reception, and/or for implementation Network communication board and other hardware.
  • CPU Central Processing Unit
  • the device 20 includes:
  • the obtaining unit 202 obtains a first transaction for claim settlement of the insured party, where the first transaction includes claim event data corresponding to the insured party;
  • the execution unit 204 invokes the first smart contract, executes the insurance claim logic declared by the first smart contract corresponding to the insured party, and performs claim processing on the insured party based on the claim event data.
  • execution unit 204 the execution unit 204:
  • execution unit 204 the execution unit 204:
  • the insurance claimant and the insured have signed an insurance claim contract, and the insurance claim contract includes insurance claim rules corresponding to the insured;
  • the first smart contract is generated based on the insurance claims contract.
  • the acquiring unit 202 acquires a second transaction generated based on the insurance settlement contract
  • the execution unit 204 invokes the first smart contract, executes the insurance claim logic generation logic declared by the first smart contract, and generates the first smart contract based on the insurance claim rules corresponding to the insured party The insurance claim logic corresponding to the insured party.
  • the device 20 further includes a sending unit (not shown in the figure);
  • the obtaining unit 202 obtain a third transaction generated based on the insurance settlement contract
  • the execution unit 204 invoke a second smart contract, execute the first smart contract generation logic declared by the second smart contract, and generate the first smart contract corresponding to the insured party based on the insurance claim contract;
  • the sending unit sends the first smart contract to the blockchain, so that the first smart contract is deployed on the blockchain after the consensus verification of the blockchain node device.
  • the first transaction further includes insurance claim logic identification information.
  • the blockchain is a consortium chain
  • the insurance claimant node device is a consortium member node device of the consortium chain.
  • the device embodiments described above are only schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical modules, that is, may be located in One place, or can be distributed to multiple network modules. Some or all of the units or modules may be selected according to actual needs to achieve the objectives of the solutions in this specification. Those of ordinary skill in the art can understand and implement without paying creative labor.
  • a typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email sending and receiving device, and a game control Desk, tablet computer, wearable device, or any combination of these devices.
  • the embodiments of the present specification also provide a computer device, which includes a memory and a processor.
  • a computer program that can be executed by the processor is stored on the memory; when the processor runs the stored computer program, each step of the claims settlement method based on the blockchain in the embodiment of the present specification is executed.
  • the computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory, random access memory (RAM) and/or non-volatile memory in a computer-readable medium, such as read only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
  • RAM random access memory
  • ROM read only memory
  • flash RAM flash memory
  • Computer readable media including permanent and non-permanent, removable and non-removable media, can store information by any method or technology.
  • the information may be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. As defined in this article, computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
  • PRAM phase change memory
  • SRAM static random access memory
  • DRAM dynamic random access memory
  • RAM random access memory
  • ROM read-only memory
  • EEPROM electrically erasable programmable read-only memory
  • flash memory or other memory technologies
  • CD-ROM compact disc read-only memory
  • DVD digital versatile disc
  • the embodiments of the present specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification may take the form of computer program products implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code .
  • computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.

Abstract

本说明书的一个或多个实施例提供了一种基于区块链的理赔方法和装置，应用于包括保险理赔方节点设备和被保险方节点设备的区块链，所述区块链部署有用于保险理赔的第一智能合约；所述方法包括：获取用以理赔所述被保险方的第一交易，所述第一交易包括所述被保险方对应的理赔事件数据；调用第一智能合约，执行所述第一智能合约声明的与所述被保险方对应的保险理赔逻辑，基于所述理赔事件数据对所述被保险方进行理赔处理。

Description

一种基于区块链的理赔方法和装置 技术领域
本说明书涉及数据处理技术领域，尤其涉及一种基于区块链的理赔方法和装置。
背景技术
区块链技术，也被称之为分布式账本技术，是一种由若干台计算设备共同参与“记账”，共同维护一份完整的分布式数据库的新兴技术。由于区块链技术具有去中心化、公开透明、每台计算设备可以参与数据库记录、并且各计算设备之间可以快速的进行数据同步的特性，使得区块链技术已在众多的领域中广泛的进行应用。
发明内容
本说明书提供了一种基于区块链的理赔方法，应用于包括保险理赔方和被保险方节点设备的区块链，所述区块链部署有用于保险理赔的第一智能合约；所述方法包括：
获取用以理赔所述被保险方的第一交易，所述第一交易包括所述被保险方对应的理赔事件数据；
调用第一智能合约，执行所述第一智能合约声明的与所述被保险方对应的保险理赔逻辑，基于所述理赔事件数据对所述被保险方进行理赔处理。
在又一示出的实施方式中，所述基于所述理赔事件数据对所述被保险方进行理赔，包括：
向区块链上发送对上述被保险方的理赔方案交易。
在又一示出的实施方式中，所述基于所述理赔事件数据对所述被保险方进行理赔处理，包括：
基于所述理赔事件数据计算理赔额；
向所述被保险方的区块链账户转移对应于所述理赔额的资产凭证。
在又一示出的实施方式中，所述保险理赔方和所述被保险方签署有保险理赔合约，所述保险理赔合约包括所述被保险方对应的保险理赔规则；
所述第一智能合约基于所述保险理赔合约而生成。
在又一示出的实施方式中，所述的方法还包括：
获取基于所述保险理赔合约生成的第二交易；
调用所述第一智能合约，执行所述第一智能合约声明的保险理赔逻辑生成逻辑，基于所述被保险方对应的保险理赔规则，在所述第一智能合约内生成所述与所述被保险方对应的保险理赔逻辑。
在又一示出的实施方式中，所述的方法还包括：
获取基于所述保险理赔合约生成的第三交易；
调用第二智能合约，执行所述第二智能合约声明的第一智能合约生成逻辑，基于所述保险理赔合约生成所述与所述被保险方对应的第一智能合约；
将所述第一智能合约发送至所述区块链，以使所述第一智能合约经过所述区块链节点设备的共识验证后被部署于所述区块链。
在又一示出的实施方式中，所述第一交易还包括保险理赔逻辑识别信息。
在又一示出的实施方式中，所述区块链为联盟链，所述保险理赔方节点设备为所述联盟链的联盟成员节点设备。
相应的，本说明书还提供了一种基于区块链的理赔装置，应用于包括保险理赔方和被保险方节点设备的区块链，所述区块链部署有用于保险理赔的第一智能合约；所述装置包括：
获取单元，获取用以理赔所述被保险方的第一交易，所述第一交易包括所述被保险方对应的理赔事件数据；
执行单元，调用第一智能合约，执行所述第一智能合约声明的与所述被保险方对应的保险理赔逻辑，基于所述理赔事件数据对所述被保险方进行理赔处理。
在又一示出的实施方式中，所述执行单元：
向区块链上发送对上述被保险方的理赔方案交易，以使所述理赔方案交易被所述区块链的节点设备共识验证后收录于所述区块链的分布式数据库。
在又一示出的实施方式中，所述执行单元：
基于所述理赔事件数据计算理赔额；
向所述被保险方的区块链账户转移对应于所述理赔额的资产凭证。
在又一示出的实施方式中，所述保险理赔方和所述被保险方签署有保险理赔合约，所述保险理赔合约包括所述被保险方对应的保险理赔规则；
所述第一智能合约基于所述保险理赔合约而生成。
在又一示出的实施方式中，所述获取单元：获取基于所述保险理赔合约生成的第二交易；
所述执行单元：调用所述第一智能合约，执行所述第一智能合约声明的保险理赔逻辑生成逻辑，基于所述被保险方对应的保险理赔规则，在所述第一智能合约内生成所述与所述被保险方对应的保险理赔逻辑。
在又一示出的实施方式中，所述的装置还包括发送单元；
所述获取单元：获取基于所述保险理赔合约生成的第三交易；
所述执行单元：调用第二智能合约，执行所述第二智能合约声明的第一智能合约生成逻辑，基于所述保险理赔合约生成所述与所述被保险方对应的第一智能合约；
所述发送单元：将所述第一智能合约发送至所述区块链，以使所述第一智能合约经过所述区块链节点设备的共识验证后被部署于所述区块链。
在又一示出的实施方式中，所述第一交易还包括保险理赔逻辑识别信息。
在又一示出的实施方式中，所述区块链为联盟链，所述保险理赔方节点设备为所述联盟链的联盟成员节点设备。
本说明书还提供了一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述基于区块链的理赔方法所述的步骤。
由以上技术方案可见，本说明书提供的基于区块链的理赔方法及装置，将保险理赔方、及被保险方设置为区块链的节点，通过调用区块链上部署的、声明有被保险方对应的保险理赔逻辑的第一智能合约，自动执行对上述被保险方的理赔操作。
附图说明
图1为本说明书所提供的一实施例所示的基于区块链的理赔方法的流程图；
图2为本说明书所提供的一实施例提供的基于区块链的理赔装置的示意图；
图3为运行本说明书所提供的基于区块链的理赔装置实施例的一种硬件结构图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本说明书一个或多个实施例相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本说明书一个或多个实施例的一些方面相一致的装置和方法的例子。
需要说明的是：在其他实施例中并不一定按照本说明书示出和描述的顺序来执行相应方法的步骤。在一些其他实施例中，其方法所包括的步骤可以比本说明书所描述的更多或更少。此外，本说明书中所描述的单个步骤，在其他实施例中可能被分解为多个步骤进行描述；而本说明书中所描述的多个步骤，在其他实施例中也可能被合并为单个步骤进行描述。
随着社会经济的发展和人们保险意识的增强，越来越多的用户参与到多种多样的保险产品的投保中来；在保险理赔时，由于保险合约所规定的保险规则复杂且多样，用户对保险规则容易理解不够，经常发生理赔时因不满足保险条款而无法理赔的情况，消耗了被保险用户和保险理赔机构的时间和精力，造成经济上的浪费。
图1是本说明书中一示例性实施例提供的一种基于区块链的理赔方法的流程图，所述区块链包括保险理赔方节点设备和被保险方节点设备；所述区块链部署有用于保险理赔的第一智能合约。
本实施例所述的区块链，具体可指一个各节点通过共识机制达成的、具有分布式数据存储结构的P2P网络系统，该区块链内的数据分布在时间上相连的一个个“区块(block)”之内，后一区块包含前一区块的数据摘要，且根据具体的共识机制(如POW、POS、DPOS或PBFT等)的不同，达成全部或部分节点的数据全备份。本领域的技术人员熟知，由于区块链系统在相应共识机制下运行，已收录至区块链数据库内的数据很难被任意的节点篡改，例如采用Pow共识的区块链，至少需要全网51％算力的攻击才有可能篡改已有数据，因此区块链系统有着其他中心化数据库系统所法比拟的保证数据安全、防攻击篡改的特性。由此可知，在本说明书所提供的实施例中，被收录至区块链的分布式数据库中的数据不会被攻击或篡改，从而保证了第一智能合约所声明的保险理赔逻辑所对应的代码数据的真实准确性。
本实施例所述的保险理赔方和被保险方的节点设备，均可通过遵循相应节点协议、运行节点协议程序的安装来加入该区块链，作为该区块链的节点。本领域的技术人员通常将具有区块链分布式数据库的数据全备份的节点设备称为全节点，将具有区块链分布式数据库的部分备份数据(如仅有区块头的数据)的节点设备称为轻节点或客户端等；在本实施例中所述的保险理赔方和被保险方的节点设备可包括上述的全节点、轻节点或客户端，只要直接或间接连入上述区块链、且可发送或获取区块链的分布式数据库的数据的任何设备均可称为本实施例所述的节点设备。
另外值得注意的是，本实施例并不限定用于保险理赔的第一智能合约的部署方身份，该第一智能合约既可以是由与被保险方投保的保险理赔方部署上链，也可以是由区块链中专门的用户部署上链，如保险理赔联盟机构或监督机构，或保险理赔智能合约的管理机构，还可以是由其他的用户或智能合约布置上链。
上述基于区块链的理赔方法包括：
步骤102，获取用以理赔所述被保险方的第一交易，所述第一交易包括所述被保险方对应的理赔事件数据。
本实施例所述的保险理赔方可包括发行保险产品的机构、对申请理赔的事件数据进行审核及理赔的机构，如各家独立的保险公司、多个保险公司统一设置的理赔服务平台机构等。本实施例所述的被保险方可包括参与投保、且基于发生的被保险事件进行理赔申请的用户，还可包括虽未参与投保、但作为保险合约的受益方的用户，等等。
在本说明书中所描述的交易(transaction)，是指各方用户通过区块链的节点设备端创建，并需要最终发布至区块链的分布式数据库中的一笔数据。其中，区块链中的交易，存在狭义的交易以及广义的交易之分。狭义的交易是指用户向区块链发布的一笔价值转移；例如，在传统的比特币区块链网络中，交易可以是用户在区块链中发起的一笔转账。而广义的交易是指用户向区块链发布的一笔具有业务意图的业务数据；例如，交易可以是用户在区块链中发布的一笔与价值转移无关的、具有业务意图的业务(比如，租房业务、车辆调度业务、保险理赔业务、信用服务、医疗服务等)消息或者业务请求。本实施例所述的第一交易，即包含被保险方对应的理赔事件数据的、且用以调用智能合约的业务数据。
本说明书提供的上述实施例所述的第一交易，既可以是保险理赔方在接收被保险方的理赔申请后，基于被保险方对应的理赔事件数据生成而发送的；也可以是被保险方直 接基于已发生的理赔事件数据生成而发送的，还可以是发生或记录上述理赔事件数据的业务机构生成且发送的，如发生及记录用户就医就诊事件数据的医疗机构、发生及记录车辆维修事件的车辆维修机构等。本说明书中并不限定上述第一交易的发送用户身份。第一交易所包括的被保险方对应的理赔事件数据，是被保险方向保险理赔方申请理赔时所基于的事件数据，例如投保医疗险或健康险的被保险方用户所对应的医疗记录信息，投保车险的被保险用户所对应的投保车辆的维修记录信息、投保房产险的被保险用户所对应的房产事故记录等。
步骤104，调用第一智能合约，执行所述第一智能合约声明的与所述被保险方对应的保险理赔逻辑，基于所述理赔事件数据对所述被保险方进行理赔处理。
智能合约通常是经编译后被部署在区块链上的计算机可执行程序。智能合约在被部署上区块链前需经过区块链节点的共识验证。在本实施例中，声明有与上述被保险方对应的保险理赔逻辑的第一智能合约，经过区块链节点的共识验证方可被收录至区块链的分布式数据库，由区块链上的共识节点共同监督验证上述保险理赔逻辑的设置。
区块链的节点设备在获取上述第一交易后，调用第一交易所指向的第一智能合约(基于第一交易包含的智能合约地址及函数接口进行调用)，每个节点设备可基于上述第一交易对该第一智能合约的调用，执行保险理赔计算，并生成调用执行的结果，即对上述被保险方进行理赔处理。同理，当上述对第一智能合约调用及执行的结果(即对上述被保险方进行理赔)经过区块链节点的共识验证后，其执行的结果方可被收录至区块链的分布式数据库中，以供存证。
本实施例所述的区块链节点的共识验证中所用的共识机制可以包括工作量证明机制(PoW)、或权利证明机制(PoS)、或股份授权证明机制(DPoS)等。PoS或DPoS共识机制与PoW类似，均属于公有区块链中确认共识记账节点所常选用的共识算法。
在又一示出的实施例中，为降低交易或数据的确认时间、提高交易吞吐量、满足对安全和性能的需求，本说明书所提供的实施例还可选用联盟链架构来构建该区块链。作为保险理赔方的保险业务公司或保险联盟平台，及关于保险及理赔行为的监督机构(如保监会等政府机构)均可作为所述联盟链的成员节点设备，并可作为该联盟链的预选的节点，参与区块的记账。联盟链的共识过程也由该预选的节点控制，当网络上有超过设定比例(如2/3)的节点确认一个区块，该区块记录的交易或数据将得到全网确认。
联盟链通常多采用权益证明或PBFT、RAFT等共识算法。PBFT算法作为本说明书 所提供的联盟链的共识算法的一种优选的实施方式，是由于采用该种算法共识的效率高，可满足高频交易量的需求，例如在本实施例中各被保险方会频繁地发生理赔事件数据，相应地，区块链的节点设备会非常频繁地向区块链发送用以理赔处理的第一交易。PBFT算法共识的时延很低，基本达到实时处理的要求，能快速实时地在区块链的新生区块中收录上述第一交易；而且，将联盟链网络中可信节点作为预选的记账节点，兼顾了安全性与稳定性；另外，采用PBFT算法不会消耗过多的计算机算力资源，也不一定需要代币流通，因此具有良好的可使用性。
通过区块链节点基于上述第一交易对第一智能合约的调用及执行，即可完成基于上述理赔事件数据对被保险方进行理赔的操作。本实施例所提供的基于第一智能合约的调用来执行对被保险方的理赔，具有高效的处理效率。智能合约可在任何时候相应用户的调用请求(无需在传统模式中等候、预约保险理赔公司的工作时间)，大大提升了理赔申请处理的效率。而且，由于智能合约的逻辑条款是经过区块链节点的共识验证、不可篡改的，其执行结果公正可视，避免了传统模式中可能出现的理赔结果计算不准确等弊端，且无需中心化权威监督或仲裁理赔结果的公正性。进一步地，由于通过第一智能合约执行对被保险方的理赔，大大减少了传统模式下理赔申请及执行所需的人力和时间成本，具有非常好的经济性。
值得注意的是，上述对被保险方进行理赔处理的具体实现方式，可以有多种。
在一示出的实施方式中，上述对被保险方进行理赔处理可以包括：向区块链上发送对上述被保险方的理赔方案交易，该理赔方案交易可包括基于所述理赔事件数据计算所得的理赔款额、理赔款的发放时间和发送方式等内容，也可以包括基于所述理赔事件数据计算而获得的不予理赔的通知消息等内容。上述经第一智能合约执行所得的理赔方案可存证于上述区块链的分布式数据库，以备区块链的节点，如被保险方、保险监督机构、司法机构等查询取证。
在又一示出的实施方式中，所述基于所述理赔事件数据对所述被保险方进行理赔处理，包括：基于所述理赔事件数据计算理赔额；向所述被保险方的区块链账户汇入(或称为转移)对应于该理赔额的资产凭证。上述资产凭证可以对应于区块链内的代币(token)、数字资产等智能资产，还可以对应于区块链外的现金、证券、优惠券、房产等链外资产，本说明书并不对此进行限制。本领域的技术人员应知，上述向被保险方的区块链账户汇入(或称为转移)对应于该理赔额的资产凭证，可以以转账交易的形式被收录于区块链的分布式数据库的。本实施例提供的理赔方法，当上述资产凭证为区块链 上流通的数字资产时，在区块链上直接完成了理赔资产发放的操作；当上述资产凭证为区块链外资产时，在区块链上完成了理赔资产发放的凭证。因此，相较于上一实施例提供的在区块链上生成理赔方案的理赔方法，具有更高的业务处理效率。
传统模式中，用户在参与保险投保时，通常会与保险公司签署保险理赔合约，或称“保单”，基于保险理赔合同上约定被保险方对应的保险理赔规则(可包括理赔事件所需满足的条件、理赔期限、理赔额度等内容)，向保险公司发起理赔申请。因此，上述一个或多个实施例中所述的第一智能合约，既可以在直接编写生成后等待被保险方和保险理赔方的节点设备的共识验证，以收录至区块链的分布式数据库，也可以基于上述保险理赔合约而生成：例如，基于保险理赔合约包括的保险理赔规则编写智能合约中声明的保险理赔逻辑对应的代码；或将被保险方对应的保险理赔规则导入保险理赔合约模板，利用合约模板直接生成第一智能合约；等等。在上述第一智能合约生成后，即可将其编译、部署上链。
在又一示出的实施方式中，上述第一智能合约可具有根据保险理赔合约中规定的保险理赔规则生成计算机可执行的保险理赔逻辑的功能，因此上述多个实施例所述的第一智能合约声明的保险理赔逻辑的生成过程包括：区块链的节点获取基于所述保险理赔合约生成的第二交易；调用所述第一智能合约，执行所述第一智能合约声明的保险理赔逻辑生成逻辑，基于所述被保险方对应的保险理赔规则，在所述第一智能合约内生成所述与所述被保险方对应的保险理赔逻辑。亦即，上述第一智能合约可以作为区块链上的保险理赔合约模板，经基于保险理赔合约生成的第二交易的调用，在区块链上执行该被保险方对应的保险理赔逻辑的生成操作，将上述生成的保险理赔逻辑的代码更新至上述第一智能合约的代码中。
值得注意的是，为保证智能合约的公正性和安全性，具有更新第一智能合约权限的区块链用户通常为第一智能合约指定的特殊用户，如保险公司、保险联盟等。
在又一示出的实施方式中，上述第一智能合约还可以由其他的智能合约生成部署上链。上述第一智能合约的生成过程包括：区块链的节点设备获取基于所述保险理赔合约生成的第三交易；调用第二智能合约，执行所述第二智能合约声明的第一智能合约生成逻辑，基于所述保险理赔合约生成所述与所述被保险方对应的第一智能合约；将所述第一智能合约发送至所述区块链，以使所述第一智能合约经过所述区块链节点设备的共识验证后被部署于所述区块链。为支持第一智能合约的生成及部署上链，上述第二智能合约通常应具有代码编译功能、电子签名功能等。
有以上多个实施例所述的第一智能合约的生成过程可以看出，上述第一智能合约可以为多个被保险方、或多种保险理赔逻辑执行理赔处理，例如，在链外部署智能合约时即将多个被保险方的保险理赔合约中的保险理赔逻辑编写如第一智能合约的代码中；又或者，基于多个被保险方的多种保险理赔合约生成相应的第二交易，经第二交易的调用，将多个被保险方的多种保险理赔逻辑更新至上述第一智能合约的代码中。在第一智能合约对应有多个被保险方，或多种保险理赔逻辑时，为方便对被保险方对应的保险理赔逻辑进行查询，上述第一交易还可包括保险理赔逻辑识别信息，该保险理赔逻辑识别信息可以表现为被保险方的身份识别信息、或保险理赔合约的唯一性编码信息、或保险理赔逻辑的唯一性识别信息等。
与上述流程实现对应，本说明书的实施例还提供了一种基于区块链的理赔装置20。该装置20可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为逻辑意义上的装置，是通过所在设备的CPU(Central Process Unit，中央处理器)将对应的计算机程序指令读取到内存中运行形成的。从硬件层面而言，除了图3所示的CPU、内存以及存储器之外，网络风险业务的实现装置所在的设备通常还包括用于进行无线信号收发的芯片等其他硬件，和/或用于实现网络通信功能的板卡等其他硬件。
图2所示为一种基于区块链的理赔装置20，应用于包括保险理赔方和被保险方节点设备的区块链，所述区块链部署有用于保险理赔的第一智能合约；所述装置20包括：
获取单元202，获取用以理赔所述被保险方的第一交易，所述第一交易包括所述被保险方对应的理赔事件数据；
执行单元204，调用第一智能合约，执行所述第一智能合约声明的与所述被保险方对应的保险理赔逻辑，基于所述理赔事件数据对所述被保险方进行理赔处理。
在又一示出的实施方式中，所述执行单元204：
向区块链上发送对上述被保险方的理赔方案交易，以使所述理赔方案交易被所述区块链的节点设备共识验证后收录于所述区块链的分布式数据库。
在又一示出的实施方式中，所述执行单元204：
基于所述理赔事件数据计算理赔额；
向所述被保险方的区块链账户转移对应于所述理赔额的资产凭证。
在又一示出的实施方式中，所述保险理赔方和所述被保险方签署有保险理赔合约， 所述保险理赔合约包括所述被保险方对应的保险理赔规则；
所述第一智能合约基于所述保险理赔合约而生成。
在又一示出的实施方式中，所述获取单元202：获取基于所述保险理赔合约生成的第二交易；
所述执行单元204：调用所述第一智能合约，执行所述第一智能合约声明的保险理赔逻辑生成逻辑，基于所述被保险方对应的保险理赔规则，在所述第一智能合约内生成所述与所述被保险方对应的保险理赔逻辑。
在又一示出的实施方式中，所述的装置20还包括发送单元(图中未示出)；
所述获取单元202：获取基于所述保险理赔合约生成的第三交易；
所述执行单元204：调用第二智能合约，执行所述第二智能合约声明的第一智能合约生成逻辑，基于所述保险理赔合约生成所述与所述被保险方对应的第一智能合约；
所述发送单元：将所述第一智能合约发送至所述区块链，以使所述第一智能合约经过所述区块链节点设备的共识验证后被部署于所述区块链。
在又一示出的实施方式中，所述第一交易还包括保险理赔逻辑识别信息。
在又一示出的实施方式中，所述区块链为联盟链，所述保险理赔方节点设备为所述联盟链的联盟成员节点设备。
上述装置中各个单元的功能和作用的实现过程具体详见上述方法中对应步骤的实现过程，相关之处参见方法实施例的部分说明即可，在此不再赘述。
以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的单元可以是或者也可以不是物理上分开的，作为单元显示的部件可以是或者也可以不是物理模块，即可以位于一个地方，或者也可以分布到多个网络模块上。可以根据实际的需要选择其中的部分或者全部单元或模块来实现本说明书方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
上述实施例阐明的装置、单元、模块，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。
与上述方法实施例相对应，本说明书的实施例还提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中基于区块链的理赔方法的各个步骤。对基于区块链的理赔方法的各个步骤的详细描述请参见之前的内容，不再重复。
以上所述仅为本说明书的较佳实施例而已，并不用以限制本说明书，凡在本说明书的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本说明书保护的范围之内。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。
计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序产品。因此，本说明书的实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书的实施例可采用在一个或多个其中包含有计 算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。

Claims (17)

  1. 一种基于区块链的理赔方法，应用于包括保险理赔方节点设备和被保险方节点设备的区块链，所述区块链部署有用于保险理赔的第一智能合约；所述方法包括：
    获取用以理赔所述被保险方的第一交易，所述第一交易包括所述被保险方对应的理赔事件数据；
    调用第一智能合约，执行所述第一智能合约声明的与所述被保险方对应的保险理赔逻辑，基于所述理赔事件数据对所述被保险方进行理赔处理。
  2. 根据权利要求1所述的方法，所述基于所述理赔事件数据对所述被保险方进行理赔，包括：
    向区块链上发送对上述被保险方的理赔方案交易。
  3. 根据权利要求1所述的方法，所述基于所述理赔事件数据对所述被保险方进行理赔处理，包括：
    基于所述理赔事件数据计算理赔额；
    向所述被保险方的区块链账户转移对应于所述理赔额的资产凭证。
  4. 根据权利要求1至3中任一权利要求所述的方法，所述保险理赔方和所述被保险方签署有保险理赔合约，所述保险理赔合约包括所述被保险方对应的保险理赔规则；
    所述第一智能合约基于所述保险理赔合约而生成。
  5. 根据权利要求4所述的方法，还包括：
    获取基于所述保险理赔合约生成的第二交易；
    调用所述第一智能合约，执行所述第一智能合约声明的保险理赔逻辑生成逻辑，基于所述被保险方对应的保险理赔规则，在所述第一智能合约内生成所述与所述被保险方对应的保险理赔逻辑。
  6. 根据权利要求4所述的方法，还包括：
    获取基于所述保险理赔合约生成的第三交易；
    调用第二智能合约，执行所述第二智能合约声明的第一智能合约生成逻辑，基于所述保险理赔合约生成所述与所述被保险方对应的第一智能合约；
    将所述第一智能合约发送至所述区块链，以使所述第一智能合约经过所述区块链节点设备的共识验证后被部署于所述区块链。
  7. 根据权利要求1所述的方法，所述第一交易还包括保险理赔逻辑识别信息。
  8. 根据权利要求1所述的方法，所述区块链为联盟链，所述保险理赔方节点设备为所述联盟链的联盟成员节点设备。
  9. 一种基于区块链的理赔装置，应用于包括保险理赔方和被保险方节点设备的区块链，所述区块链部署有用于保险理赔的第一智能合约；所述装置包括：
    获取单元，获取用以理赔所述被保险方的第一交易，所述第一交易包括所述被保险方对应的理赔事件数据；
    执行单元，调用第一智能合约，执行所述第一智能合约声明的与所述被保险方对应的保险理赔逻辑，基于所述理赔事件数据对所述被保险方进行理赔处理。
  10. 根据权利要求9所述的装置，所述执行单元：
    向区块链上发送对上述被保险方的理赔方案交易，以使所述理赔方案交易被所述区块链的节点设备共识验证后收录于所述区块链的分布式数据库。
  11. 根据权利要求9所述的装置，所述执行单元：
    基于所述理赔事件数据计算理赔额；
    向所述被保险方的区块链账户转移对应于所述理赔额的资产凭证。
  12. 根据权利要求9至11中任一权利要求所述的装置，所述保险理赔方和所述被保险方签署有保险理赔合约，所述保险理赔合约包括所述被保险方对应的保险理赔规则；
    所述第一智能合约基于所述保险理赔合约而生成。
  13. 根据权利要求12所述的装置，所述获取单元：获取基于所述保险理赔合约生成的第二交易；
    所述执行单元：调用所述第一智能合约，执行所述第一智能合约声明的保险理赔逻辑生成逻辑，基于所述被保险方对应的保险理赔规则，在所述第一智能合约内生成所述与所述被保险方对应的保险理赔逻辑。
  14. 根据权利要求12所述的装置，还包括发送单元；
    所述获取单元：获取基于所述保险理赔合约生成的第三交易；
    所述执行单元：调用第二智能合约，执行所述第二智能合约声明的第一智能合约生成逻辑，基于所述保险理赔合约生成所述与所述被保险方对应的第一智能合约；
    所述发送单元：将所述第一智能合约发送至所述区块链，以使所述第一智能合约经过所述区块链节点设备的共识验证后被部署于所述区块链。
  15. 根据权利要求9所述的装置，所述第一交易还包括保险理赔逻辑识别信息。
  16. 根据权利要求9所述的装置，所述区块链为联盟链，所述保险理赔方节点设备为所述联盟链的联盟成员节点设备。
  17. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求1到8任意一项 所述的方法。
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