WO2020155789A1

WO2020155789A1 - Blockchain-based certificate storage method and apparatus

Info

Publication number: WO2020155789A1
Application number: PCT/CN2019/119347
Authority: WO
Inventors: 李敏
Original assignee: 阿里巴巴集团控股有限公司
Priority date: 2019-01-30
Filing date: 2019-11-19
Publication date: 2020-08-06
Also published as: TW202029106A; CN109947848A

Abstract

A blockchain-based certificate storage method and apparatus, applied to a blockchain system comprising a service provider node device and an insurance server node device. The method comprises: an insurance server node device obtains, from a distributed database of a blockchain, target service subscription information sent by a service provider node device (step 102); generate an insurance certificate transaction on the basis of target insurance policy content, wherein the target insurance policy content is generated on the basis of the target service subscription information (step 104); and send the insurance certificate transaction to the distributed database of the blockchain, such that the insurance certificate transaction is recorded to the distributed database of the blockchain after being subject to consensus verification of the node devices of the blockchain.

Description

Block chain-based deposit certificate method and device

Technical field

This specification relates to the field of data processing technology, and in particular to a blockchain-based storage method and device.

Background technique

Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computing devices participate in "bookkeeping" and jointly maintain a complete distributed database. Because the blockchain technology has the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and the rapid data synchronization between computing devices, the blockchain technology has been widely used in many fields. To apply.

Summary of the invention

In view of this, one or more embodiments of this specification provide a blockchain-based deposit method, which is applied to a blockchain system including a service provider node device and an insurance service provider node device; the method includes:

The insurance server node device obtains the target business order information sent by the service provider node device from the distributed database of the blockchain;

Generating an insurance voucher transaction based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information;

Send the insurance certificate transaction to the distributed database of the blockchain, so that the insurance certificate transaction is included in the distributed database of the blockchain after being verified by the node device consensus of the blockchain .

In another illustrated embodiment, the insurance voucher transaction is generated based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information, and the insurance voucher transaction is sent to the block The distributed database of the blockchain, so that the insurance voucher transaction is included in the distributed database of the blockchain after being verified by the node equipment consensus of the blockchain, including:

Invoke the first smart contract deployed on the blockchain, execute the insurance voucher transaction generation logic declared by the first smart contract, and generate an insurance voucher transaction based on the target policy content, wherein the target policy content is based on the target Business order information is generated; so that the insurance voucher transaction is included in the distributed database of the blockchain.

In another illustrated embodiment, the insurance application certificate includes the content of the target policy or a hash digest of the content of the target policy.

In another illustrated embodiment, the method further includes:

Obtain the claims application information sent by the service provider node device from the distributed database of the blockchain;

Execute claims for the service provider based on the claims application information.

In another illustrated implementation manner, the executing the claim settlement for the service provider based on the claim settlement application information includes:

The second smart contract deployed on the blockchain is called, the claim settlement execution logic declared by the second smart contract is executed, and the claim settlement is executed for the service provider.

In another embodiment shown, the executing claims settlement for the service provider includes:

The claim settlement result voucher is generated so that the claim settlement result voucher is included in the distributed database of the blockchain.

Initiate a claim payment transfer transaction to the service provider node device.

In another illustrated embodiment, the blockchain is a consortium chain; the service provider node device and the insurance service provider node device are the alliance member node devices of the consortium chain.

In another illustrated embodiment, the service provider is a financial leasing service organization.

Correspondingly, this specification also provides a blockchain-based certificate storage device, which is applied to a blockchain system including a service provider node device and an insurance service provider node device; the device includes:

An obtaining unit, configured to obtain target service order information sent by the service provider node device from the distributed database of the blockchain;

A generating unit, configured to generate an insurance voucher transaction based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information;

The sending unit is configured to send the insurance certificate transaction to the distributed database of the blockchain, so that the insurance certificate transaction is included in the block after being verified by the node device consensus of the blockchain Chain of distributed databases.

In another embodiment shown, the generating unit and the sending unit are further configured to:

In another embodiment shown, the obtaining unit is further configured to obtain the claims application information sent by the service provider node device from the distributed database of the blockchain;

The device also includes an execution unit, configured to execute claims for the service provider based on the claim application information.

In another embodiment shown, the execution unit is further configured to:

Correspondingly, this specification also proposes a computer device, including: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the above-mentioned third-party payment is executed The blockchain-based storage certificate method executed by the service node device.

This specification also provides a computer-readable storage medium on which a computer program is stored. When the computer program is run by a processor, it executes the blockchain-based deposit method executed by the third-party payment service node device.

It can be seen from the above technical solutions that the blockchain-based deposit method and device provided in this manual set the service provider terminal equipment and insurance service terminal as the node equipment of the blockchain, and the distributed database storage based on blockchain technology Mechanism, deposit the insurance certificate generated based on the target business order information in the distributed database of the blockchain, which is jointly maintained by the node equipment of the blockchain system, synchronized in real time, and all records can be traced back; moreover, based on the blockchain The consensus mechanism of the above-mentioned target business order information and insurance certificate will not be tampered with after being provided, thereby ensuring the authenticity and safety of the above-mentioned insurance certificate, and is based on the judicial evidence collection or claims accounting from the target business order to the insurance certificate. And other applications provide an effective data basis.

Description of the drawings

FIG. 1 is a schematic flowchart of a blockchain-based deposit method according to an embodiment provided in this specification;

Figure 2 is a schematic diagram of a blockchain-based certificate storage device provided by an embodiment provided in this specification;

Fig. 3 is a hardware structure diagram of an embodiment of the blockchain-based storage device provided in this specification.

detailed description

The exemplary embodiments will be described in detail here, and examples thereof are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with one or more embodiments of this specification. Rather, they are merely examples of devices and methods consistent with some aspects of one or more embodiments of this specification as detailed in the appended claims.

It should be noted that in other embodiments, the steps of the corresponding method may not be executed in the order shown and described in this specification. In some other embodiments, the method includes more or fewer steps than described in this specification. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; and multiple steps described in this specification may also be combined into a single step in other embodiments. description.

Insurance service agencies can provide insurance services for multiple target business types provided by multiple business providers. Insurance service agencies usually store the target business data information and insurance information related to insurance in their own servers for underwriting claims or third-party insurance. Tripartite institutions (such as judicial institutions) conduct investigations and collect evidence.

In order to prevent the insurance service institution’s own server from being maliciously attacked and facilitating data tampering, or any third-party institution (such as a judicial institution) from investigating or obtaining evidence on the insurance service content of the insurance service institution, an embodiment provided in this manual illustrates a A blockchain-based deposit method, as shown in Figure 1, is applied to a blockchain system including a service provider node device and an insurance server node device.

The service provider mentioned in this embodiment refers to a service organization that provides service to users. In order to reduce its own operational risks, the service provider usually insures based on the service order between the service provider and the user. The aforementioned business orders include but are not limited to specific forms such as user demand orders, purchase and sale contracts, and lease contracts. Correspondingly, the aforementioned insurance service provider is an insurance service organization that provides insurance and claim settlement services for the business orders of the aforementioned service provider.

In another illustrated embodiment, the above-mentioned service provider may be a financial leasing service organization. Financial leasing is a relatively common form of non-bank finance. It can include a variety of specific implementation methods. The more common one is that the lessor (finance leasing agency) concludes a supply contract with a third party (supplier) at the request of the lessee (user). According to this contract, the lessor contributes capital Purchase equipment or objects selected by the lessee; at the same time, the lessor and the lessee enter into a lease contract to lease the equipment to the lessee and charge the lessee a certain amount of rent. As the lessor, the financial leasing agency assumes greater operating risks due to the lessee’s refusal to pay rent or return the equipment. For this reason, the financial leasing agency is willing to cooperate with insurance institutions based on its financial leasing order or contract And purchase the corresponding business insurance to file a claim with the corresponding insurance agency in the event that the lessee refuses to pay the rent or refuses to return the equipment.

The above-mentioned service provider node equipment and insurance service provider node equipment are the terminal equipment set by the above-mentioned service provider and insurance service provider and connected to the blockchain network.

The blockchain described in this embodiment can specifically refer to a P2P network system with a distributed data storage structure that is reached by each node device through a consensus mechanism. The data in the blockchain is distributed in time connected one by one. Within the "block", the next block contains the data summary of the previous block, and according to the specific consensus mechanism (such as POW, POS, DPOS or PBFT, etc.), all or part of the node data Backup. Those skilled in the art are well aware that because the blockchain system operates under the corresponding consensus mechanism, the data that has been included in the blockchain database is difficult to be tampered with by any node. For example, the blockchain using Pow consensus requires at least the entire network Only 51% of the computing power can tamper with existing data. Therefore, the blockchain system has the characteristics of ensuring data security and preventing attack and tampering that other centralized database systems cannot match. It can be seen from this that in the embodiments provided in this specification, the data included in the distributed database of the blockchain will not be attacked or tampered with, thereby ensuring that each node device in the above-mentioned blockchain system transfers to the above-mentioned block The authenticity and reliability of the data information of the chain deposit.

The terminal devices of the above-mentioned service providers and insurance service providers can join the blockchain by following the installation of the corresponding node protocol and running the node protocol program as the node device of the blockchain. Those skilled in the art usually refer to a node device with full backup of the data of the blockchain distributed database as a full node, and a node device with partial backup data of the blockchain distributed database (such as data with only the block header) It is called a light node, etc.; in this embodiment, the service provider node device or the insurance service provider node device can be the above-mentioned full node or light node, as long as it is directly or indirectly connected to the above-mentioned blockchain and can send or Any device that obtains data of the distributed database of the blockchain can be referred to as the node device described in this embodiment.

As shown in Figure 1, the above-mentioned blockchain-based deposit method includes:

Step 102: The insurance server node device obtains the target service order information sent by the service provider node device from the distributed database of the blockchain.

The above-mentioned service provider node device sends the order information of the service provider and the user for the target service to the distributed database of the blockchain. Based on the anti-tampering mechanism of the blockchain, it can not only record the order information of the target service, but also Other node devices on the blockchain can obtain the corresponding target business order information for further applications. For example, after the insurance service party node device obtains the corresponding target business order information, it generates corresponding information based on the business order information. Insurance policy.

When the above-mentioned service provider is a financial leasing service organization, the above-mentioned target business order information may include information such as lease orders and lease contracts signed by the financial leasing service organization and the tenant user; the above-mentioned target business order information may also be the above-mentioned lease order, or The original text information of the lease contract, etc., may also be the cipher text information of the lease order, or lease contract, etc., or the hash summary information of the lease order, or lease contract, etc., and so on.

It is worth noting that when the aforementioned service provider node device stores the hash summary information of the target business order in the distributed database of the blockchain, in order to complete the insurance policy generation business, the insurance service provider node device also needs to communicate with the aforementioned business Obtain the original text of the above-mentioned target business order in the off-chain communication of the provider node device.

In this embodiment, storing the above-mentioned target business order information in the distributed database of the blockchain not only provides a data basis for the insurance service party node equipment to obtain true and effective target business order information and generate corresponding insurance policy information, It also provides a true and effective data basis for the judicial collection of evidence that may occur in the future.

Step 104: Generate an insurance voucher transaction based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information.

The transfer described in this specification refers to a piece of data that is created by the node device of the blockchain and needs to be finally released to the distributed database of the blockchain. Among them, transactions in the blockchain are divided into narrow transactions and broad transactions. A transaction in a narrow sense refers to a transfer of value issued by a user to the blockchain; for example, in a traditional Bitcoin blockchain network, a transaction can be a transfer initiated by the user in the blockchain. In a broad sense, a transaction refers to a piece of business data with business intent issued by a user to the blockchain; for example, the above-mentioned embodiment of this specification provides an insurance service party node device based on the target business order provided by the above-mentioned service provider The generated target insurance policy content is the data (that is, the insurance voucher) that is deposited as a transaction; the above-mentioned insurance service party node device can generate the insurance voucher according to the preset data content generation rules for the target insurance content, and then the insurance The vouchers are sorted and transformed into a transaction according to the preset transaction data format—namely, the insurance certificate transaction.

The specific methods of generating insurance voucher transactions for the business provider based on the target business order information described in this implementation force can be various. For example, the target insurance policy content generated based on the target business order information can be directly followed by The set transaction data format is organized into insurance certificate transactions, so as to facilitate any node device on the blockchain to obtain the content of the above-mentioned target insurance policy. For another example, since the content of the user’s target policy usually involves the service provider’s or/and service provider’s user’s identity information, capital flow information and other private information, in order to protect information security and prevent information abuse, the content of the target policy can be based on pre- After the set encryption rules are encrypted, the insurance voucher transaction is generated. The foregoing preset encryption rules can have multiple setting methods, such as symmetric encryption or asymmetric encryption, which are not limited in this specification.

Mathematically hashing the original data to generate a hash digest (or hash fingerprint) of the original data is a commonly used method of storing the original data in the field. The hash digest is basically unique by storing the original data. The ground points to the original information of the data; and the data space occupied by the hash summary is relatively small compared to the original data, especially the original data with a large amount of data. In view of the above technical foundation, the insurance voucher transaction described in this embodiment may also include the hash digest of the target policy content; by storing the hash digest of the target policy content in the distributed database of the blockchain, When obtaining evidence, verify whether the content of the target insurance policy corresponds to the deposited hash digest (i.e., the insurance voucher). If it corresponds, it is proved that the content of the target insurance policy is original information, has not been tampered with, and has the legitimacy as evidence.

Step 106: Send the insurance certificate transaction to the distributed database of the blockchain, so that after the insurance certificate transaction is verified by the node device consensus of the blockchain, it is included in the blockchain. Distributed database.

The detailed process of uploading the insurance certificate transaction to the distributed database of the blockchain described in this embodiment can be specifically set according to the consensus mechanism and transaction rules of the blockchain. In an illustrated embodiment, uploading the insurance certificate transaction to the distributed database of the blockchain includes:

The node device with accounting authority in the blockchain adds the insurance certificate transaction to the candidate block;

Determining, from the node devices with accounting authority, a consensus accounting node device that meets the blockchain consensus mechanism;

The consensus accounting node broadcasts the candidate block to the node device of the blockchain;

After the candidate block is verified and approved by the blockchain in accordance with a preset number of node devices, the candidate block is regarded as the latest block and added to the distributed database of the blockchain.

In the foregoing embodiment, the node device with the accounting authority refers to the node device with the authority to generate candidate blocks. According to the consensus mechanism of the blockchain, the consensus bookkeeping node device can be determined from the node devices with the bookkeeping authority of the candidate block. The aforementioned consensus mechanism may include a proof of work mechanism (PoW) or a proof of right mechanism ( PoS), or proof of share authorization mechanism (DPoS), etc.

The PoS or DPoS consensus mechanism is similar to PoW, and both belong to the consensus algorithm commonly used by the public blockchain to confirm the consensus accounting node equipment. In another illustrated embodiment, in order to reduce the confirmation time of transactions or data, increase transaction throughput, and meet the requirements for security and performance, the embodiments provided in this specification can also use the alliance chain architecture to construct the block chain. The above-mentioned service provider node equipment, insurance service provider node equipment, and/or institutions that supervise insurance service businesses, institutions that supervise financial service businesses, judicial institutions, etc. can be used as pre-selected alliance member node devices of the alliance chain, Participate in the accounting of the block. The consensus process of the alliance chain is also controlled by the preselected node device. When there are more than a set ratio (such as 2/3) of node devices on the network to confirm a block, the transaction or data recorded in the block will be confirmed by the entire network.

Consortium chains usually use proof of rights or consensus algorithms such as PBFT and RAFT. In implementation, before the start of each round of consensus in the blockchain, a master node device can be elected from each node device in the blockchain, that is, the consensus accounting node described in the above embodiment (for example, every In a round of consensus, a master node device is re-elected, and other node devices are used as slave node devices. The master node device further initiates transaction verification and consensus, and is responsible for the transaction data (or target data) passed based on the consensus as the block The chain creates the latest block.

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 adopting this algorithm consensus and can meet the needs of high-frequency transaction volume. For example, in this embodiment, the insurance service party The node device generates insurance voucher transactions based on the target business order information frequently sent to the blockchain by multiple service provider node devices; and the consensus delay is very low, which basically meets the requirements of real-time processing, and can quickly and in real time. The above-mentioned insurance certificate transactions are included in the new block of the block chain; moreover, the trusted node in the alliance chain network is used as the pre-selected accounting node, which takes into account security and stability; in addition, the PBFT algorithm does not consume too much computer Computing resources do not necessarily require token circulation, so they have good usability.

Based on the certificate deposit method provided in this embodiment and the distributed database storage mechanism based on blockchain technology, the target business order information and the insurance certificate generated based on the target business order information are decentralized and recorded on multiple blockchain nodes , It is jointly maintained by the blockchain nodes and synchronized in real time, and all records can be traced back; moreover, based on the consensus mechanism of the blockchain, the above-mentioned target business order information and the insurance certificate generated based on the target business order information will not be Tampering ensures the authenticity and security of the deposited data; it not only provides a true and effective data basis for generating insurance policies based on the target business order information, but also provides evidence chain support for the authenticity and validity of the policy information content. Any node device on the blockchain (such as the node device of the judiciary) can directly obtain the above-mentioned target business order information and/or insurance certificate from the chain, and obtain evidence based on the anti-tampering mechanism of the blockchain, thereby reducing insurance service providers Or the service provider shall deal with the litigation costs of the service provider’s user breach of contract.

In another illustrated embodiment, in order to improve the efficiency of generating the insurance certificate, the insurance certificate transaction is generated based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information, and the The insured voucher transaction is sent to the distributed database of the blockchain, so that after the insured voucher transaction is verified by the node device consensus of the blockchain, the process of being included in the distributed database of the blockchain can be Compiled and deployed as a smart contract (i.e. the first smart contract) executable insurance voucher transaction generation logic, after the consensus verification of the consensus node of the above-mentioned blockchain, the above-mentioned first smart contract consensus is uploaded to the chain; in this way, by using the above-mentioned business The target business order information sent by the provider node device calls the first smart contract running on the above-mentioned blockchain to generate the target insurance policy content based on the target business order information, and then generate the corresponding insurance policy based on the above-mentioned target insurance policy content Voucher transactions. Those skilled in the art know that the operation result of the smart contract will be included in the distributed database of the blockchain after the consensus verification of the blockchain node device. Therefore, it is used as the insurance certificate of the operation result of the first smart contract. The transaction will also be included in the distributed database of the blockchain after being verified by the consensus of the blockchain node equipment.

In another embodiment shown, the claims application of the above-mentioned service provider node device, the above-mentioned insurance service provider node device's claim settlement, underwriting claims and other processes can also be deposited on the blockchain. Specifically, the deposit method executed by the insurance service provider node device in the foregoing embodiment further includes: obtaining the claims application information sent by the service provider node device from the distributed database of the blockchain; The claim settlement application information executes the claim settlement for the service provider.

The above-mentioned service provider node equipment sends the claim application information to the distributed database of the blockchain. Based on the anti-tampering mechanism of the blockchain, it not only stores the above-mentioned claim application information, but also facilitates the insurance service provider’s node equipment based on this The claim application information is used for the claims processing such as claim acceptance and underwriting claims.

When the above-mentioned business provider is a financial leasing service organization, the above-mentioned claim application information may include the financial leasing lessee’s proof of breach of contract information (such as unpaid rent, or refusal to return equipment, etc.) to assist the insurance service party’s node equipment in claim settlement Audit.

Optionally, the foregoing specific process of executing claims for the service provider based on the claims application information may call a second smart contract deployed on the blockchain for execution. The second smart contract states that there is a claim execution logic based on the business The claim settlement application information sent by the provider node device can automatically execute the claim settlement action provided for the service, for example, it may include the review of the above-mentioned claim settlement application information and the execution of the corresponding claim settlement plan, and so on.

Since the second smart contract can be automatically executed at any time in response to the call of the claim application information sent by the service provider node device, it greatly improves the efficiency of claims processing; and the second smart contract is controlled by the consensus mechanism of the blockchain It is guaranteed that the execution logic of its statement is fair and open after being verified by the consensus node consensus of the blockchain, and its transparent execution method on the blockchain has the advantage of lower human intervention and decentralized authority. Those skilled in the art should know that the above-mentioned second smart contract and the above-mentioned first smart contract may be the same smart contract deployed on the blockchain, or may be different smart contracts.

Specifically, the foregoing execution of claims settlement for the service provider may include generating a claim settlement result certificate so that the settlement result certificate is included in the distributed database of the blockchain, and the above settlement result certificate is used for the insurance service provider. Provide proof of the content of the executed claim settlement operation. The above-mentioned claim settlement operation content includes the specific content of the execution of the claim, such as the amount of the claim, the payment method, the payment result, etc., and may also include the specific content of the non-execution of the claim, such as the reason for the non-claim.

The foregoing execution of claim settlement for the service provider may also include directly initiating a claim payment transfer transaction to the service provider node device by the second smart contract. Regarding the aforementioned claim payment transfer transaction, it can be understood that the transfer (or transfer) from the blockchain account of the second smart contract directly to the blockchain account of the service provider corresponds to the claim after the second smart contract is called. The asset certificate of the gold amount. Asset certificates can correspond to smart assets such as tokens and digital assets in the blockchain, and asset certificates can also correspond to off-chain assets such as cash, securities, coupons, and real estate outside the blockchain. This manual is not correct. This is limited.

Corresponding to the foregoing process implementation, the embodiment of this specification also provides a blockchain-based certificate storage device 20. The device 20 can be implemented by software, or can be implemented 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 by the CPU (Central Process Unit, central processing unit) of the device where it is located. From a hardware perspective, in addition to the CPU, memory, and storage shown in Figure 3, the device where the network risk business is implemented usually includes other hardware such as chips for wireless signal transmission and reception, and/or Other hardware such as boards with network communication functions.

Figure 2 shows this specification also provides this specification also provides a blockchain-based certificate storage device 20, which is applied to a blockchain system including a service provider node device and an insurance service provider node device; the device 20 includes:

The obtaining unit 202 is configured to obtain the target service order information sent by the service provider node device from the distributed database of the blockchain;

The generating unit 204 is configured to generate an insurance voucher transaction based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information;

The sending unit 206 is configured to send the insurance voucher transaction to the distributed database of the blockchain, so that the insurance voucher transaction is included in the area after being verified by the node device consensus of the blockchain The distributed database of the blockchain.

In another embodiment shown, the generating unit 204 and the sending unit 206 are further configured to:

In another embodiment shown, the obtaining unit 202 is further configured to obtain the claims application information sent by the service provider node device from the distributed database of the blockchain;

The device also includes an execution unit (not shown in the figure), configured to execute a claim settlement for the service provider based on the claim settlement application information.

In another embodiment shown, the execution unit is further configured to:

Initiate a claim payment transfer transaction to the service provider.

For the implementation process of the functions and roles of each unit in the above-mentioned device 20, please refer to the implementation process of the corresponding steps in the above-mentioned method.

The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical modules, that is, they may be located in One place, or it can be distributed to multiple network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement it without creative work.

The devices, units, and modules described in the above embodiments can be implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. The specific form of the computer can 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 receiving and sending device, and a game control A console, a tablet computer, a wearable device, or a combination of any of these devices.

Corresponding to the foregoing method embodiment, the embodiment of this specification also provides a computer device. As shown in FIG. 3, the computer device includes a memory and a processor. Among them, the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes each step of the blockchain-based deposit method executed by the insurance server node device in the embodiment of this specification . For a detailed description of each step of the blockchain-based deposit method executed by the above-mentioned insurance service party node device, please refer to the previous content and will not be repeated.

Corresponding to the above method embodiments, the embodiments of this specification also provide a computer-readable storage medium on which computer programs are stored. When these computer programs are run by a processor, they execute the insurance in the embodiments of this specification. Each step of the blockchain-based storage method executed by the server node device. For a detailed description of each step of the blockchain-based deposit method executed by the above-mentioned insurance service party node device, please refer to the previous content and will not be repeated.

The above descriptions are only the preferred embodiments of this specification, and are not intended to limit this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included in this specification Within the scope of protection.

In a typical configuration, the computing device includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.

The memory may include non-permanent memory in a computer readable medium, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media includes permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, 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 technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic 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. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "including", "including" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

Those skilled in the art should understand that the embodiments of this specification can be provided as methods, systems or computer program products. Therefore, the embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification may adopt the form of a computer program product 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 codes. .

Claims

A blockchain-based deposit method, applied to a blockchain system including a service provider node device and an insurance service provider node device; the method includes:

The insurance server node device obtains the target business order information sent by the service provider node device from the distributed database of the blockchain;

Generating an insurance voucher transaction based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information;

Send the insurance certificate transaction to the distributed database of the blockchain, so that the insurance certificate transaction is included in the distributed database of the blockchain after being verified by the node device consensus of the blockchain .
The method according to claim 1, wherein the target insurance policy content is generated based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information, and the insurance certificate transaction is sent to the blockchain The distributed database of the blockchain, so that the transaction of the insurance voucher is included in the distributed database of the blockchain after being verified by the node equipment consensus of the blockchain, including:

Invoke the first smart contract deployed on the blockchain, execute the insurance voucher transaction generation logic declared by the first smart contract, and generate an insurance voucher transaction based on the target policy content, wherein the target policy content is based on the target Business order information is generated; so that the insurance voucher transaction is included in the distributed database of the blockchain.
The method according to claim 1 or 2, wherein the insurance voucher includes the content of the target policy or a hash digest of the content of the target policy.
The method according to claim 1, further comprising:

Obtain the claims application information sent by the service provider node device from the distributed database of the blockchain;

Execute claims for the service provider based on the claims application information.
The method according to claim 4, wherein the executing claim settlement for the service provider based on the claim settlement application information includes:

The second smart contract deployed on the blockchain is called, the claim settlement execution logic declared by the second smart contract is executed, and the claim settlement is executed for the service provider.
The method according to claim 5, the executing claims settlement for the service provider comprises:

The claim settlement result voucher is generated so that the claim settlement result voucher is included in the distributed database of the blockchain.
The method according to claim 5, the executing claims settlement for the service provider comprises:

Initiate a claim payment transfer transaction to the service provider node device.
The method according to claim 1, wherein the blockchain is a consortium chain; the service provider node device and the insurance service provider node device are the alliance member node devices of the consortium chain.
According to the method of claim 8, the service provider is a financial leasing service organization.
A blockchain-based certificate deposit device applied to a blockchain system including a service provider node device and an insurance service provider node device; the device includes:

An obtaining unit, configured to obtain target service order information sent by the service provider node device from the distributed database of the blockchain;

A generating unit, configured to generate an insurance voucher transaction based on the target insurance policy content, wherein the target insurance policy content is generated based on the target business order information;

The sending unit is configured to send the insurance certificate transaction to the distributed database of the blockchain, so that the insurance certificate transaction is included in the block after being verified by the node device consensus of the blockchain Chain of distributed databases.
According to the device of claim 10, the generating unit and the sending unit are further configured to:

Invoke the first smart contract deployed on the blockchain, execute the insurance voucher transaction generation logic declared by the first smart contract, and generate an insurance voucher transaction based on the target policy content, wherein the target policy content is based on the target Business order information is generated; so that the insurance voucher transaction is included in the distributed database of the blockchain.
The device according to claim 10 or 11, wherein the insurance application certificate includes the content of the target policy or a hash digest of the content of the target policy.
The device according to claim 10,

The obtaining unit is further configured to obtain the claims application information sent by the service provider node device from the distributed database of the blockchain;

The device also includes an execution unit, configured to execute claims for the service provider based on the claim application information.
The device according to claim 13, wherein the execution unit is further configured to:

The second smart contract deployed on the blockchain is called, the claim settlement execution logic declared by the second smart contract is executed, and the claim settlement is executed for the service provider.
The apparatus according to claim 14, wherein the execution of claims settlement for the service provider comprises:

The claim settlement result voucher is generated so that the claim settlement result voucher is included in the distributed database of the blockchain.
The apparatus according to claim 14, wherein the execution of claims settlement for the service provider comprises:

Initiate a claim payment transfer transaction to the service provider node device.
The device according to claim 10, wherein the blockchain is a consortium chain; the service provider node equipment and the insurance service provider node equipment are alliance member node equipment of the consortium chain.
The device according to claim 17, wherein the service provider is a financial leasing service organization.
A computer device, comprising: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the processor executes any one of claims 1 to 9 The method described.
A computer-readable storage medium with a computer program stored thereon, and when the computer program is run by a processor, the method according to any one of claims 1 to 9 is executed.