Insurance buying method based on block chain and insurance buying system based on block chain

Abstract

The invention belongs to the technical field of block chains, and relates to an insurance buying method and system based on a block chain. The method comprises the following steps: an insuring user node receives an identity card number and an insurance type to be applied provided by an insuring user, and generates an insurance policy according to the identity card number and the insurance type tobe applied; Obtaining insurance policy parameters according to the insurance policy; The insurance company node receives the user node identifier, the user node public key and the insurance policy parameter, and generates an identity base private key corresponding to the insured user; The insured user node receives the encrypted identity-based private key, signs an identity card number, insurancepolicy parameters and an insurance company node identifier corresponding to the insurance policy according to the identity-based private key, and broadcasts the signed identity card number, insurancepolicy parameters and insurance company node identifier in a block chain; And the accounting node receives the broadcast message, takes the insurance policy parameter as a public key, and verifies theidentity card number according to the public parameter inquired by the insurance company node identifier so as to determine an insurance result. According to the method and the system, the security and privacy of the user in the insurance process can be effectively ensured.

Description

technical field [0001] The invention belongs to the technical field of blockchain, and in particular relates to a blockchain-based insurance application method and a blockchain-based insurance application system. Background technique [0002] Banking, securities, and insurance belong to the troika of China's financial system. At present, my country's insurance industry includes: property insurance, personal insurance (commonly known as life insurance), and the national policy China Export Credit Insurance Corporation. Property insurance companies mainly carry out risk insurance for property targets, life insurance companies mainly carry out personal insurance, and export credit insurance companies mainly carry out credit guarantee insurance for enterprises' export business. Compared with the foreign insurance industry with a history of more than 300 years, China's insurance industry is still in the development stage, the system is not perfect, and there are some problems in ...

AI Technical Summary

Problems solved by technology

[0003] In the current insurance industry, insurance is usually a paper contract, which is easily damaged or lost. Each link changes hands many times, and there is a risk of fraud; even if an electronic contract is used, it only omits the printing process and cannot solve the security problem.

In addition, the current insurance industry also has omissions in the supervision of customer privacy protection, and news of policyholders being cheated due to policy information leakage occurs from time to time

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