CN109544354B - Block chain based reinsurance method, electronic device and readable storage medium - Google Patents
Block chain based reinsurance method, electronic device and readable storage medium Download PDFInfo
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Abstract
The invention relates to a blockchain technology, and provides a blockchain-based reinsurance calculation method, an electronic device and a readable storage medium, wherein the method comprises the following steps: in a blockchain network built by an insurance company and a reinsurance company, after receiving a sub-insurance request of an insurance company for an insurance policy, invoking an intelligent contract of the blockchain network to search a sub-insurance contract identifier matched with a sub-insurance policy in the sub-insurance request according to a preset rule; the warranty request comprises warranty data to be warranted; transmitting the policy data and the matched sub-insurance contract identification to a corresponding reinsurance company through the blockchain network; and receiving settlement data generated by the reinsurer, which is generated by performing the sub-insurance operation on the policy data according to the matched sub-insurance contract identification, and recording the generated settlement data into a blockchain account book. The invention saves the time of saving the reinsurance and reduces the operation cost.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a block chain based reinsurance method, an electronic device, and a readable storage medium.
Background
Reinsurance, also known as underwriting, is the act of an insurance company transferring some of its contracted risks and responsibilities to other insurance companies by signing underwriting contracts on the basis of the original insurance contracts. For example, since insurance policies are reinsuranted and risks are shared for risk management by life insurance companies, insurance companies and reinsurers need to settle data of the insurance policies such as premium and claim settlement at regular intervals. Because the insurance company and the reinsurance company in the prior art both adopt a central accounting mode, a great deal of time is required to check the credibility of the data during settlement, a great deal of operation cost of each company is consumed, the settlement time is longer, and the efficiency is low.
Disclosure of Invention
The invention aims to provide a block chain-based reinsurance calculation method, an electronic device and a readable storage medium, which aim to save reinsurance calculation time and reduce operation cost.
To achieve the above object, the present invention provides an electronic device including a memory, a processor, and a blockchain-based reinsurance computing system executable on the processor stored on the memory, the blockchain-based reinsurance computing system implementing the following steps when executed by the processor:
In a blockchain network built by an insurance company and a reinsurance company, after receiving a sub-insurance request of an insurance company for an insurance policy, invoking an intelligent contract of the blockchain network to search a sub-insurance contract identifier matched with a sub-insurance policy in the sub-insurance request according to a preset rule; the warranty request comprises warranty data to be warranted;
transmitting the policy data and the matched sub-insurance contract identification to a corresponding reinsurance company through the blockchain network;
and receiving settlement data generated by the reinsurer, which is generated by performing the sub-insurance operation on the policy data according to the matched sub-insurance contract identification, and recording the generated settlement data into a blockchain account book.
Preferably, the policy data includes a dangerous seed, and when the processor executes the method for calling the intelligent contract of the blockchain network to search the sub-insurance contract identifier matched with the sub-insurance request according to a preset rule, the method includes:
Inquiring whether dangerous seeds carried in the policy data correspond to a plurality of sub-security contract identifications or not;
If yes, marking the dangerous seed of the policy data as the dangerous seed to be matched;
acquiring a pre-stored preset configuration table, wherein the preset configuration table comprises matching conditions and a sub-insurance contract identifier;
And comparing the policy data with the matching conditions, and obtaining the sub-security contract identification corresponding to the dangerous seed to be matched in the preset configuration table.
Preferably, in the blockchain network built by the insurance company and the reinsurance company, after receiving a policy splitting request initiated by the insurance company, before the step of calling an intelligent contract of the blockchain network to search a policy splitting contract identifier matching with a policy splitting request according to a preset rule, the method further includes:
Establishing a preset configuration table, wherein the preset configuration table comprises a plurality of fields;
Acquiring a newly added division protection contract identifier and a newly added matching condition;
And respectively adding the newly added division protection contract identification and the newly added matching condition to corresponding fields, and updating the preset configuration table.
Preferably, the blockchain-based reinsurance computing system when executed by the processor further performs the steps of:
after receiving settlement data generated by the reinsurance company performing sub-insurance operation on the policy data according to the matched sub-insurance contract identification, applying for obtaining an encryption public key from a preset CA authentication center, and performing encryption operation on the generated settlement data by using the obtained encryption public key;
And sending the encrypted settlement data to the insurance company through the blockchain network.
In addition, in order to achieve the above object, the present invention further provides a block chain-based reinsurance method, including:
In a blockchain network built by an insurance company and a reinsurance company, after receiving a sub-insurance request of an insurance company for an insurance policy, invoking an intelligent contract of the blockchain network to search a sub-insurance contract identifier matched with a sub-insurance policy in the sub-insurance request according to a preset rule; the warranty request comprises warranty data to be warranted;
transmitting the policy data and the matched sub-insurance contract identification to a corresponding reinsurance company through the blockchain network;
and receiving settlement data generated by the reinsurer, which is generated by performing the sub-insurance operation on the policy data according to the matched sub-insurance contract identification, and recording the generated settlement data into a blockchain account book.
Preferably, the policy data includes a dangerous seed, and the searching the sub-insurance contract identifier matched with the sub-insurance request according to a preset rule by calling the intelligent contract of the blockchain network includes:
Inquiring whether dangerous seeds carried in the policy data correspond to a plurality of sub-security contract identifications or not;
If yes, marking the dangerous seed of the policy data as the dangerous seed to be matched;
acquiring a pre-stored preset configuration table, wherein the preset configuration table comprises matching conditions and a sub-insurance contract identifier;
And comparing the policy data with the matching conditions, and obtaining the sub-security contract identification corresponding to the dangerous seed to be matched in the preset configuration table.
Preferably, in the blockchain network built by the insurance company and the reinsurance company, after receiving a policy splitting request initiated by the insurance company, before the step of calling an intelligent contract of the blockchain network to search a policy splitting contract identifier matching with a policy splitting request according to a preset rule, the method further includes:
Establishing a preset configuration table, wherein the preset configuration table comprises a plurality of fields;
Acquiring a newly added division protection contract identifier and a newly added matching condition;
And respectively adding the newly added division protection contract identification and the newly added matching condition to corresponding fields, and updating the preset configuration table.
Preferably, the method further comprises:
acquiring a preset dangerous seed divide and protection comparison table; the dangerous seed and sub-insurance contract identification is included in the dangerous seed and sub-insurance comparison table;
inquiring whether a sub-insurance contract identifier corresponding to the dangerous seed carried in the insurance policy data exists in the dangerous seed sub-insurance comparison table;
if yes, marking the policy data as the policy data to be classified, so as to determine that the policy data is required to be classified.
Preferably, the method further comprises:
after receiving settlement data generated by the reinsurance company performing sub-insurance operation on the policy data according to the matched sub-insurance contract identification, applying for obtaining an encryption public key from a preset CA authentication center, and performing encryption operation on the generated settlement data by using the obtained encryption public key;
And sending the encrypted settlement data to the insurance company through the blockchain network.
Further, to achieve the above object, the present invention also provides a computer-readable storage medium storing a blockchain-based reinsurance calculation system executable by at least one processor to cause the at least one processor to perform the steps of the blockchain-based reinsurance calculation method as described above.
According to the block chain-based reinsurance calculation method, the electronic device and the readable storage medium, after a block chain network built by an insurance company and a reinsurance company receives a partial insurance request of an insurance company for an insurance policy, an intelligent contract of the block chain network is called to search a partial insurance contract identifier matched with a partial insurance policy in the partial insurance request according to a preset rule; transmitting the policy data and the matched sub-insurance contract identification to a corresponding reinsurance company through the blockchain network; and receiving settlement data generated by the reinsurer, which is generated by performing the sub-insurance operation on the policy data according to the matched sub-insurance contract identification, and recording the generated settlement data into a blockchain account book. Because the insurance company and the reinsurance company are built into the blockchain network, and the reinsurance settlement process between the insurance company and the reinsurance company is carried out in the built blockchain network, the characteristics of distributed account books and data non-falsification of the blockchain are utilized, the insurance company and the reinsurance company both keep a shared and accurate historical record for all transactions in the built blockchain network, the credibility of the data does not need to be checked in time, namely, a large amount of data check is not required during settlement between the insurance company and the reinsurance company, and the settlement time is effectively saved. Meanwhile, through the intelligent contract technology of the blockchain, a settlement program can be automatically executed on the insurance policy within the contract range according to a preset rule, so that the operation cost is effectively reduced.
Drawings
FIG. 1 is a schematic diagram of a preferred embodiment of a blockchain-based reinsurance system 10 of the present invention;
FIG. 2 is a flowchart illustrating an embodiment of a blockchain-based reinsurance method of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that the description of "first", "second", etc. in this disclosure is for descriptive purposes only and is not to be construed as indicating or implying a relative importance or implying an indication of the number of technical features being indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In addition, the technical solutions of the embodiments may be combined with each other, but it is necessary to base that the technical solutions can be realized by those skilled in the art, and when the technical solutions are contradictory or cannot be realized, the combination of the technical solutions should be considered to be absent and not within the scope of protection claimed in the present invention.
The invention provides a block chain-based reinsurance calculation system. Referring to FIG. 1, a block chain based reinsurance system 10 of the present invention is shown in a schematic representation of an operating environment in accordance with a preferred embodiment of the present invention.
In this embodiment, the blockchain-based reinsurance computing system 10 is installed and operated in the electronic device 1. The electronic device 1 may include, but is not limited to, a memory 11, a processor 12, and a display 13. Fig. 1 shows only an electronic device 1 with components 11-13, but it is understood that not all shown components are required to be implemented, and that more or fewer components may alternatively be implemented.
The memory 11 is at least one type of readable computer storage medium, and the memory 11 may in some embodiments be an internal storage unit of the electronic device 1, such as a hard disk or a memory of the electronic device 1. The memory 11 may also be an external storage device of the electronic apparatus 1 in other embodiments, such as a plug-in hard disk, a smart memory card (SMART MEDIA CARD, SMC), a Secure Digital (SD) card, a flash memory card (FLASH CARD) or the like, which are provided on the electronic apparatus 1. Further, the memory 11 may also include both an internal storage unit and an external storage device of the electronic apparatus 1. The memory 11 is used for storing application software and various data installed in the electronic device 1, such as program codes of the blockchain-based reinsurance computing system 10. The memory 11 may also be used for temporarily storing data that has been output or is to be output.
The processor 12 may in some embodiments be a central processing unit (Central Processing Unit, CPU), microprocessor or other data processing chip for executing program code or processing data stored in the memory 11, such as executing the blockchain-based reinsurance computing system 10, etc.
The display 13 may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, or the like in some embodiments. The display 13 is used for displaying information processed in the electronic device 1 and for displaying visual user interfaces, such as policy data to be underwriting, matching underwriting contract identifications, etc. The components 11-13 of the electronic device 1 communicate with each other via a system bus.
The blockchain-based reinsurance computing system 10 includes at least one computer readable instruction stored in the memory 11 that is executable by the processor 12 to implement embodiments of the present application.
The blockchain-based reinsurance computing system 10, when executed by the processor 12, performs the following steps:
Step S1, in a block chain network built by an insurance company and a reinsurance company, after receiving a sub-insurance request of an insurance company for an insurance policy, invoking an intelligent contract of the block chain network to search a sub-insurance contract identifier matched with a sub-insurance policy in the sub-insurance request according to a preset rule; the warranty request comprises warranty data to be warranted;
step S2, the policy data and the matched sub-insurance contract identification are sent to the corresponding reinsurance company through the blockchain network;
And step S3, receiving settlement data generated by the reinsurer through performing the sub-insurance operation on the policy data according to the matched sub-insurance contract identification, and recording the generated settlement data into a blockchain account book.
In the embodiment, firstly, an insurance company and a reinsurance company build a block chain network; after a policy-dividing request (the policy-dividing request comprises policy data to be divided and the policy data comprises dangerous seeds) initiated by an insurance company node is received in a built blockchain network, an intelligent contract of a blockchain is called to search a policy-dividing contract identifier matched with a policy in the policy-dividing request according to a preset rule, the policy data and the matched policy-dividing contract identifier are sent to a corresponding reinsurer node, settlement data generated by the reinsurer node performing policy-dividing operation on the policy data according to the policy-dividing contract identifier are received, the settlement data are sent to the insurance company node to check, and the generated settlement data are recorded in a blockchain account book. The blockchain network platform set up by the insurance company and the reinsurance company in this embodiment may be HYPERLEDGER FABRIC, HYPERLEDGER FABRIC is a leading open source and general blockchain structure built for the enterprise, and the blockchain network platform is based on HYPERLEDGER FABRIC to build and deploy a blockchain network platform between the insurance company and the reinsurance company, and the consensus algorithm used by the blockchain network platform is PBFT of the bayer consensus algorithm.
In the embodiment, the insurance company and the reinsurer are built into the blockchain network, and the reinsurer are built into the blockchain network to carry out reinsurement settlement process between the insurance company and the reinsurer, so that the characteristics of distributed account books and data non-falsifiability of the blockchain are utilized, the insurance company and the reinsurer both keep a shared and accurate historical record for all transactions in the built blockchain network, the reliability of the data does not need to be checked in time, namely, a large amount of data is not required to be checked during settlement between the insurance company and the reinsurer, and the settlement time is effectively saved. Meanwhile, through the intelligent contract technology of the blockchain, the insurance policy in the contract range can be automatically divided and claimed according to preset rules, a settlement program is automatically executed, and the operation cost is reduced.
In an alternative embodiment, when the blockchain-based reinsurance computing system 10 is executed by the processor 12 to implement the step of searching, according to a preset rule, for a partial protection contract identifier matching with the partial protection contract in the partial protection request, the step of using the intelligent contract of the calling blockchain includes:
And pre-storing a separate protection comparison table in the established blockchain network. The sub-insurance comparison table comprises dangerous seeds and sub-insurance contract identifications. The intelligent contract of the blockchain acquires a dangerous seed sub-insurance comparison table, and inquires whether a sub-insurance contract identifier corresponding to the dangerous seed carried in the insurance policy data exists in the dangerous seed sub-insurance comparison table; if yes, determining to conduct the sub-insurance operation on the policy data. The policy that requires the divide and hold operation may be marked as the policy to be divided and held. And when the policy to be divided is subjected to the division operation, the intelligent contract acquires the policy data to be divided. The policy data includes dangerous seed, payment period, information of the insured person, etc. Wherein, the information of the insured life includes age, sex, etc.
Inquiring whether dangerous seeds carried in the policy data correspond to a plurality of sub-security contract identifications. If yes, marking the dangerous seed of the policy data as the dangerous seed to be matched; otherwise, the sub-security contract identification uniquely corresponding to the dangerous seed can be directly obtained, namely, the sub-security contract (identification) matched with the sub-security request in the single-phase is obtained. Because the contract matched with a dangerous seed can be agreed in the sub-insurance contract, the contract matched with a dangerous seed after a certain time can be agreed, and the like, the dangerous seed in the sub-table comparison table can correspond to one sub-insurance contract identifier, and can also correspond to a plurality of sub-insurance contract identifiers. When the intelligent contract queries in the sub-insurance comparison table according to the dangerous seed in the policy data, the sub-insurance contract identifier corresponding to the dangerous seed queried in the sub-insurance comparison table can be one or a plurality of sub-insurance contract identifiers. When the warranty data is subjected to the warranty dividing operation, the dividing contract identification matched with the warranty data at present needs to be determined. If the sub-insurance contract identification corresponding to the dangerous seed is one, the sub-insurance contract identification indicates that the insurance policy to be sub-insurance currently has the unique corresponding sub-insurance contract identification, and the sub-insurance operation can be directly performed on the insurance policy data to be sub-insurance according to the sub-insurance contract identification. If the number of the sub-insurance contract identifications corresponding to the dangerous seeds queried in the sub-insurance comparison table is multiple, the fact that the insurance policy to be sub-insurance is determined to be the current corresponding sub-insurance contract identification is indicated. The intelligent contract marks dangerous types of the policy data to be divided and protected corresponding to the plurality of divided and protected contract identifications as dangerous types to be matched.
Further, a preset configuration table is stored in the established blockchain network in advance. The preset configuration table comprises dangerous seeds, matching conditions and sub-insurance contract identification. The intelligent contract obtains a preset configuration table, and the preset configuration table is utilized to obtain the sub-insurance contract identification corresponding to the dangerous seed to be matched. Specifically, the intelligent contract queries corresponding dangerous seeds in a preset configuration table according to the dangerous seeds to be matched. The dangerous seed of the preset configuration table has corresponding matching conditions and sub-insurance contract identification. The intelligent contract obtains the matching condition corresponding to the dangerous seed to be matched. Wherein, the matching conditions comprise age, gender, payment period and the like. The intelligent contract compares the policy data with the matching conditions, and when the policy data completely meets the matching conditions, the sub-insurance contract identification corresponding to the matching conditions is obtained. In the conventional manner, matching the policy to be divided with the divided contract is required to be implemented in a hard-coded manner. If the underwriting contract is newly added, the encoding must be re-performed. The scalability of the code is poor and the code is prone to errors. Inconvenience is caused to matching the policy with the sub-policy. In the embodiment, the matching of the policy and the sub-policy can be conveniently and rapidly realized without hard coding in the whole query matching process.
Wherein, a preset configuration table can be pre-established, and the preset configuration table comprises a plurality of fields; acquiring a newly added sub-insurance contract identifier, a newly added dangerous seed and a newly added matching condition; and respectively adding the newly added sub-insurance contract identification, the risk and the matching condition to the corresponding fields, and updating the preset configuration table. In this embodiment, the risk may include existing risk and newly added risk. When a new underwriting contract is placed against an existing risk, new matching conditions are redetermined against the existing risk. The new sub-security contract may be referred to as a new added sub-security contract and the new matching condition may be referred to as a new added matching condition. When a sub-insurance contract is signed for a new added risk, corresponding matching conditions are determined for the new added risk. Storing the established preset configuration table into the established blockchain network, and synchronously updating the preset configuration table in the blockchain network.
After determining that the policy data is currently valid in the sub-insurance contract identifier, the intelligent contract can send the policy data and the matched sub-insurance contract identifier to the corresponding reinsurance company node according to the sub-insurance contract identifier, and the reinsurance company node performs operations such as sub-insurance, claim spreading, settlement and the like on the policy data. In this embodiment, when performing the sub-insurance operation on the policy, the intelligent contract of the blockchain queries whether the sub-insurance contract identifier corresponding to the dangerous seed of the policy to be sub-insurance is unique, and if not, it indicates that the dangerous seed needs to be matched with the sub-insurance contract identifier, so as to obtain the sub-insurance contract identifier of the policy data that is currently valid. For the dangerous seeds needing to be matched, the dangerous seeds to be matched can be marked. And according to the dangerous seed to be matched, obtaining corresponding matching conditions in a preset configuration table, comparing the policy data with the matching conditions, and if all the policy data accord with the matching conditions, obtaining the sub-policy identification corresponding to the dangerous seed to be matched. And then the policy data can be subjected to the sub-insurance operation according to the sub-insurance contract identification. In the whole process, the inquiry and matching of the insurance policy and the sub-insurance contract can be conveniently and rapidly realized, and a plurality of problems caused by hard coding are effectively overcome.
Further, in an alternative embodiment, after receiving the settlement data generated by the underwriting operation of the policy data by the reinsurance company node according to the underwriting contract identifier, the generated settlement data is encrypted by an encryption public key applied from a preset CA authentication center, for example, the reinsurance company node information, the insurance company node information, the settlement cost, the underwriting premium, and the like may be encrypted. And the insurance company node applies for a private key corresponding to the encrypted public key from a preset CA authentication center, decrypts the encrypted settlement data by using the applied private key to obtain settlement data content, and records the settlement data between the insurance company and the reinsurance company into a blockchain account book by using a blockchain intelligent contract for checking and confirming. The encryption algorithm in this embodiment adopts an asymmetric encryption algorithm, which requires two keys: a public key (publickey) and a private key (privatekey). The public key and the private key are a pair, and if the data is encrypted by the public key, the data can be decrypted only by the corresponding private key; if the data is encrypted with a private key, then decryption is only possible with the corresponding public key. After the structural data is encrypted by the public key issued by the CA, only the private key corresponding to the encrypted public key can be used for decrypting, and only the insurance companies participating in the security separation operation can apply for decrypting from the CA center to the encrypted private key according to the encrypted public key. The safety of settlement data is ensured. The asymmetric encryption algorithm in this embodiment includes RSA, elgamal, knapsack algorithm, rabin, D-H, ECC (elliptic curve encryption algorithm), etc.
FIG. 2 is a flowchart of a block chain based reinsurance method according to an embodiment of the present invention, which includes the following steps:
Step S10, in a block chain network built by an insurance company and a reinsurance company, after receiving a sub-insurance request of an insurance company for an insurance policy, invoking an intelligent contract of the block chain network to search a sub-insurance contract identifier matched with a sub-insurance policy in the sub-insurance request according to a preset rule; the warranty request comprises warranty data to be warranted;
step S20, the policy data and the matched sub-insurance contract identification are sent to the corresponding reinsurance company through the blockchain network;
and step S30, receiving settlement data generated by the reinsurer in a separate protection operation on the policy data according to the matched separate protection contract identification, and recording the generated settlement data into a blockchain account book.
In the embodiment, firstly, an insurance company and a reinsurance company build a block chain network; after a policy-dividing request (the policy-dividing request comprises policy data to be divided and the policy data comprises dangerous seeds) initiated by an insurance company node is received in a built blockchain network, an intelligent contract of a blockchain is called to search a policy-dividing contract identifier matched with a policy in the policy-dividing request according to a preset rule, the policy data and the matched policy-dividing contract identifier are sent to a corresponding reinsurer node, settlement data generated by the reinsurer node performing policy-dividing operation on the policy data according to the policy-dividing contract identifier are received, the settlement data are sent to the insurance company node to check, and the generated settlement data are recorded in a blockchain account book. The blockchain network platform set up by the insurance company and the reinsurance company in this embodiment may be HYPERLEDGER FABRIC, HYPERLEDGER FABRIC is a leading open source and general blockchain structure built for the enterprise, and the blockchain network platform is based on HYPERLEDGER FABRIC to build and deploy a blockchain network platform between the insurance company and the reinsurance company, and the consensus algorithm used by the blockchain network platform is PBFT of the bayer consensus algorithm.
In the embodiment, the insurance company and the reinsurer are built into the blockchain network, and the reinsurer are built into the blockchain network to carry out reinsurement settlement process between the insurance company and the reinsurer, so that the characteristics of distributed account books and data non-falsifiability of the blockchain are utilized, the insurance company and the reinsurer both keep a shared and accurate historical record for all transactions in the built blockchain network, the reliability of the data does not need to be checked in time, namely, a large amount of data is not required to be checked during settlement between the insurance company and the reinsurer, and the settlement time is effectively saved. Meanwhile, through the intelligent contract technology of the blockchain, the insurance policy in the contract range can be automatically divided and claimed according to preset rules, a settlement program is automatically executed, and the operation cost is reduced.
In an optional embodiment, based on the foregoing embodiment, the step of searching, by the intelligent contract of the calling blockchain, for a partial protection contract identifier that matches with the partial protection contract in the partial protection request according to a preset rule includes:
And pre-storing a separate protection comparison table in the established blockchain network. The sub-insurance comparison table comprises dangerous seeds and sub-insurance contract identifications. The intelligent contract of the blockchain acquires a dangerous seed sub-insurance comparison table, and inquires whether a sub-insurance contract identifier corresponding to the dangerous seed carried in the insurance policy data exists in the dangerous seed sub-insurance comparison table; if yes, determining to conduct the sub-insurance operation on the policy data. The policy that requires the divide and hold operation may be marked as the policy to be divided and held. And when the policy to be divided is subjected to the division operation, the intelligent contract acquires the policy data to be divided. The policy data includes dangerous seed, payment period, information of the insured person, etc. Wherein, the information of the insured life includes age, sex, etc.
Inquiring whether dangerous seeds carried in the policy data correspond to a plurality of sub-security contract identifications. If yes, marking the dangerous seed of the policy data as the dangerous seed to be matched; otherwise, the sub-security contract identification uniquely corresponding to the dangerous seed can be directly obtained, namely, the sub-security contract (identification) matched with the sub-security request in the single-phase is obtained. Because the contract matched with a dangerous seed can be agreed in the sub-insurance contract, the contract matched with a dangerous seed after a certain time can be agreed, and the like, the dangerous seed in the sub-table comparison table can correspond to one sub-insurance contract identifier, and can also correspond to a plurality of sub-insurance contract identifiers. When the intelligent contract queries in the sub-insurance comparison table according to the dangerous seed in the policy data, the sub-insurance contract identifier corresponding to the dangerous seed queried in the sub-insurance comparison table can be one or a plurality of sub-insurance contract identifiers. When the warranty data is subjected to the warranty dividing operation, the dividing contract identification matched with the warranty data at present needs to be determined. If the sub-insurance contract identification corresponding to the dangerous seed is one, the sub-insurance contract identification indicates that the insurance policy to be sub-insurance currently has the unique corresponding sub-insurance contract identification, and the sub-insurance operation can be directly performed on the insurance policy data to be sub-insurance according to the sub-insurance contract identification. If the number of the sub-insurance contract identifications corresponding to the dangerous seeds queried in the sub-insurance comparison table is multiple, the fact that the insurance policy to be sub-insurance is determined to be the current corresponding sub-insurance contract identification is indicated. The intelligent contract marks dangerous types of the policy data to be divided and protected corresponding to the plurality of divided and protected contract identifications as dangerous types to be matched.
Further, a preset configuration table is stored in the established blockchain network in advance. The preset configuration table comprises dangerous seeds, matching conditions and sub-insurance contract identification. The intelligent contract obtains a preset configuration table, and the preset configuration table is utilized to obtain the sub-insurance contract identification corresponding to the dangerous seed to be matched. Specifically, the intelligent contract queries corresponding dangerous seeds in a preset configuration table according to the dangerous seeds to be matched. The dangerous seed of the preset configuration table has corresponding matching conditions and sub-insurance contract identification. The intelligent contract obtains the matching condition corresponding to the dangerous seed to be matched. Wherein, the matching conditions comprise age, gender, payment period and the like. The intelligent contract compares the policy data with the matching conditions, and when the policy data completely meets the matching conditions, the sub-insurance contract identification corresponding to the matching conditions is obtained. In the conventional manner, matching the policy to be divided with the divided contract is required to be implemented in a hard-coded manner. If the underwriting contract is newly added, the encoding must be re-performed. The scalability of the code is poor and the code is prone to errors. Inconvenience is caused to matching the policy with the sub-policy. In the embodiment, the matching of the policy and the sub-policy can be conveniently and rapidly realized without hard coding in the whole query matching process.
Wherein, a preset configuration table can be pre-established, and the preset configuration table comprises a plurality of fields; acquiring a newly added sub-insurance contract identifier, a newly added dangerous seed and a newly added matching condition; and respectively adding the newly added sub-insurance contract identification, the risk and the matching condition to the corresponding fields, and updating the preset configuration table. In this embodiment, the risk may include existing risk and newly added risk. When a new underwriting contract is placed against an existing risk, new matching conditions are redetermined against the existing risk. The new sub-security contract may be referred to as a new added sub-security contract and the new matching condition may be referred to as a new added matching condition. When a sub-insurance contract is signed for a new added risk, corresponding matching conditions are determined for the new added risk. Storing the established preset configuration table into the established blockchain network, and synchronously updating the preset configuration table in the blockchain network.
After determining that the policy data is currently valid in the sub-insurance contract identifier, the intelligent contract can send the policy data and the matched sub-insurance contract identifier to the corresponding reinsurance company node according to the sub-insurance contract identifier, and the reinsurance company node performs operations such as sub-insurance, claim spreading, settlement and the like on the policy data. In this embodiment, when performing the sub-insurance operation on the policy, the intelligent contract of the blockchain queries whether the sub-insurance contract identifier corresponding to the dangerous seed of the policy to be sub-insurance is unique, and if not, it indicates that the dangerous seed needs to be matched with the sub-insurance contract identifier, so as to obtain the sub-insurance contract identifier of the policy data that is currently valid. For the dangerous seeds needing to be matched, the dangerous seeds to be matched can be marked. And according to the dangerous seed to be matched, obtaining corresponding matching conditions in a preset configuration table, comparing the policy data with the matching conditions, and if all the policy data accord with the matching conditions, obtaining the sub-policy identification corresponding to the dangerous seed to be matched. And then the policy data can be subjected to the sub-insurance operation according to the sub-insurance contract identification. In the whole process, the inquiry and matching of the insurance policy and the sub-insurance contract can be conveniently and rapidly realized, and a plurality of problems caused by hard coding are effectively overcome.
Further, in an alternative embodiment, after receiving the settlement data generated by the underwriting operation of the policy data by the reinsurance company node according to the underwriting contract identifier, the generated settlement data is encrypted by an encryption public key applied from a preset CA authentication center, for example, the reinsurance company node information, the insurance company node information, the settlement cost, the underwriting premium, and the like may be encrypted. And the insurance company node applies for a private key corresponding to the encrypted public key from a preset CA authentication center, decrypts the encrypted settlement data by using the applied private key to obtain settlement data content, and records the settlement data between the insurance company and the reinsurance company into a blockchain account book by using a blockchain intelligent contract for checking and confirming. The encryption algorithm in this embodiment adopts an asymmetric encryption algorithm, which requires two keys: a public key (publickey) and a private key (privatekey). The public key and the private key are a pair, and if the data is encrypted by the public key, the data can be decrypted only by the corresponding private key; if the data is encrypted with a private key, then decryption is only possible with the corresponding public key. After the structural data is encrypted by the public key issued by the CA, only the private key corresponding to the encrypted public key can be used for decrypting, and only the insurance companies participating in the security separation operation can apply for decrypting from the CA center to the encrypted private key according to the encrypted public key. The safety of settlement data is ensured. The asymmetric encryption algorithm in this embodiment includes RSA, elgamal, knapsack algorithm, rabin, D-H, ECC (elliptic curve encryption algorithm), etc.
In addition, the present invention further provides a computer readable storage medium, where a blockchain-based reinsurance system is stored, where the blockchain-based reinsurance system can be executed by at least one processor, so that the at least one processor performs the steps of the blockchain-based reinsurance method in the above embodiment, where specific implementation procedures of steps S10, S20, S30, etc. of the blockchain-based reinsurance method are described above and are not repeated herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, although in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The preferred embodiments of the present invention have been described above with reference to the accompanying drawings, and thus do not limit the scope of the claims of the present invention. The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments. In addition, while a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in a different order than is shown.
Those skilled in the art will appreciate that many modifications are possible in which the invention is practiced without departing from its scope or spirit, e.g., features of one embodiment can be used with another embodiment to yield yet a further embodiment. Any modification, equivalent replacement and improvement made within the technical idea of the present invention should be within the scope of the claims of the present invention.
Claims (8)
1. An electronic device comprising a memory, a processor, the memory having stored thereon a blockchain-based reinsurance computing system operable on the processor, the blockchain-based reinsurance computing system when executed by the processor performing the steps of:
In a blockchain network built by an insurance company and a reinsurance company, after receiving a sub-insurance request of an insurance company for an insurance policy, invoking an intelligent contract of the blockchain network to search a sub-insurance contract identifier matched with a sub-insurance policy in the sub-insurance request according to a preset rule; the insurance dividing request comprises insurance policy data to be divided, a block chain network platform established by the insurance company and the reinsurance company is HYPERLEDGER FABRIC, and a consensus algorithm used by the block chain network platform is PBFT of a Bayesian consensus algorithm;
transmitting the policy data and the matched sub-insurance contract identification to a corresponding reinsurance company through the blockchain network;
Receiving settlement data generated by the reinsurance company through dividing and protecting the policy data according to the matched dividing and protecting contract identification, and recording the generated settlement data into a blockchain account book;
Acquiring an encryption public key from a preset CA authentication center, and performing encryption operation on the generated settlement data by using the acquired encryption public key, wherein the encryption operation uses an asymmetric encryption algorithm, and the asymmetric encryption algorithm comprises a back-pack algorithm and an elliptic curve algorithm;
And sending the encrypted settlement data to the insurance company through the blockchain network.
2. The electronic device of claim 1, wherein the policy data comprises a risk, wherein execution of the blockchain-based reinsurance calculation system by the processor to implement the invoking the intelligent contract of the blockchain network to find a partial security contract identification matching a policy in the partial security request according to a preset rule comprises:
Inquiring whether dangerous seeds carried in the policy data correspond to a plurality of sub-security contract identifications or not;
If yes, marking the dangerous seed of the policy data as the dangerous seed to be matched;
acquiring a pre-stored preset configuration table, wherein the preset configuration table comprises matching conditions and a sub-insurance contract identifier;
And comparing the policy data with the matching conditions, and obtaining the sub-security contract identification corresponding to the dangerous seed to be matched in the preset configuration table.
3. The electronic device according to claim 2, wherein in the blockchain network built by the insurance company and the reinsurance company, after receiving the insurance company initiated policy splitting request, the step of calling the intelligent contract of the blockchain network to search the policy splitting contract identifier matching the policy splitting request according to a preset rule further comprises:
Establishing a preset configuration table, wherein the preset configuration table comprises a plurality of fields;
Acquiring a newly added division protection contract identifier and a newly added matching condition;
And respectively adding the newly added division protection contract identification and the newly added matching condition to corresponding fields, and updating the preset configuration table.
4. A blockchain-based reinsurance method, the blockchain-based reinsurance method comprising:
In a blockchain network built by an insurance company and a reinsurance company, after receiving a sub-insurance request of an insurance company for an insurance policy, invoking an intelligent contract of the blockchain network to search a sub-insurance contract identifier matched with a sub-insurance policy in the sub-insurance request according to a preset rule; the insurance dividing request comprises insurance policy data to be divided, a block chain network platform established by the insurance company and the reinsurance company is HYPERLEDGER FABRIC, and a consensus algorithm used by the block chain network platform is PBFT of a Bayesian consensus algorithm;
transmitting the policy data and the matched sub-insurance contract identification to a corresponding reinsurance company through the blockchain network;
Receiving settlement data generated by the reinsurance company through dividing and protecting the policy data according to the matched dividing and protecting contract identification, and recording the generated settlement data into a blockchain account book;
Acquiring an encryption public key from a preset CA authentication center, and performing encryption operation on the generated settlement data by using the acquired encryption public key, wherein the encryption operation uses an asymmetric encryption algorithm, and the asymmetric encryption algorithm comprises a back-pack algorithm and an elliptic curve algorithm;
And sending the encrypted settlement data to the insurance company through the blockchain network.
5. The blockchain-based reinsurance calculation method of claim 4, wherein the policy data includes a risk, and the invoking the intelligent contract of the blockchain network to find a partial guaranty contract identification matching a single phase in the partial guaranty request according to a preset rule includes:
Inquiring whether dangerous seeds carried in the policy data correspond to a plurality of sub-security contract identifications or not;
If yes, marking the dangerous seed of the policy data as the dangerous seed to be matched;
acquiring a pre-stored preset configuration table, wherein the preset configuration table comprises matching conditions and a sub-insurance contract identifier;
And comparing the policy data with the matching conditions, and obtaining the sub-security contract identification corresponding to the dangerous seed to be matched in the preset configuration table.
6. The blockchain-based reinsurance calculation method of claim 5, wherein, in the blockchain network built by the insurance company and the reinsurance company, after receiving the policy-initiated policy-dividing request, invoking the intelligent contract of the blockchain network to search the policy-dividing contract identifier matching the policy-dividing request according to a preset rule, further comprising:
Establishing a preset configuration table, wherein the preset configuration table comprises a plurality of fields;
Acquiring a newly added division protection contract identifier and a newly added matching condition;
And respectively adding the newly added division protection contract identification and the newly added matching condition to corresponding fields, and updating the preset configuration table.
7. The blockchain-based reinsurance calculation method of claim 5 or 6, further comprising:
acquiring a preset dangerous seed divide and protection comparison table; the dangerous seed and sub-insurance contract identification is included in the dangerous seed and sub-insurance comparison table;
inquiring whether a sub-insurance contract identifier corresponding to the dangerous seed carried in the insurance policy data exists in the dangerous seed sub-insurance comparison table;
if yes, marking the policy data as the policy data to be classified, so as to determine that the policy data is required to be classified.
8. A computer readable storage medium having stored thereon a blockchain-based reinsurance calculation system that when executed by a processor performs the steps of the blockchain-based reinsurance method of any of claims 4 to 7.
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