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Intelligent insurance system and method based on block chain

A blockchain and intelligent technology, applied in the insurance field, can solve the problems of miners and users' loss, failure to identify malicious attacks in time, and achieve the effect of reducing losses

Pending Publication Date: 2020-01-03
GUANGDONG UNIV OF TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In order to overcome the defects in the above-mentioned prior art that malicious attacks cannot be identified in time and are likely to cause huge losses to miners and users, the present invention provides a blockchain-based intelligent insurance system and a blockchain-based intelligent insurance system. method

Method used

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  • Intelligent insurance system and method based on block chain
  • Intelligent insurance system and method based on block chain

Examples

Experimental program
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Embodiment 1

[0033] Such as figure 1 Shown is a schematic structural diagram of the blockchain-based smart insurance system of this embodiment.

[0034] This embodiment proposes a smart insurance system based on blockchain, including a miner terminal 1, a user terminal 2, an insurance terminal 3 and a decision-making module 4, wherein:

[0035] Miner terminal 1 provides blockchain network services to client terminal 2;

[0036] Client 2 conducts transactions in the blockchain network provided by miner 1;

[0037] The insurance terminal 3 conducts risk assessment on the blockchain network service provided by the miner terminal 1, and sets the claim settlement conditions and claim settlement decision plan in the decision-making module 4 according to the insurance agreement preset with the miner terminal 1 and the user terminal 2;

[0038] The decision-making module 4 includes a malicious attack detection unit 41, a logical processing unit 42, and a communication unit 43 connected in sequen...

Embodiment 2

[0051] This embodiment applies the blockchain-based smart insurance system proposed in Embodiment 1, and proposes a blockchain-based smart insurance method.

[0052] Such as figure 2 Shown is a flow chart of the blockchain-based smart insurance method of this embodiment.

[0053] A block chain-based intelligent insurance method proposed in this embodiment includes the following steps:

[0054] S1: The miner terminal 1 provides blockchain network services to the client terminal 2, and the client terminal 2 pays the blockchain network management fee to the miner terminal 1 to obtain a blockchain network for transactions;

[0055] S2: Miner 1 and client 2 respectively sign an insurance agreement with the insurance provider according to their needs. The insurance agreement sets the claim settlement conditions and claim settlement decision-making scheme in the decision-making module 4;

[0056] S3: The malicious attack detection unit 41 in the decision-making module 4 performs ...

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Abstract

The invention provides an intelligent insurance system based on a block chain, which comprises a miner terminal, a user terminal, an insurance terminal and a decision module. The miner terminal provides block chain network service for the user terminal; the user side performs transaction in a block chain network provided by the miner side; the insurance end performs risk assessment on the blockchain network service provided by the miner end, and sets a claim settlement condition and a claim settlement decision scheme in the decision module according to an insurance protocol; the decision module comprises a malicious attack detection unit, a logic processing unit and a communication unit; the malicious attack detection unit detects the safety condition of a block chain network provided by aminer side in real time; then the detection result is input into a logic processing unit to be processed, the logic processing unit judges whether the detection result meets a preset claim settlementcondition or not, and if yes, claim settlement information is sent to the miner side and the user side through a communication unit according to a preset claim settlement decision scheme. The invention further provides a blockchain-based intelligent insurance method applying the system.

Description

technical field [0001] The present invention relates to the field of insurance, and more specifically, to a blockchain-based intelligent insurance system and method. Background technique [0002] Blockchain is a distributed ledger technology used to record the history of all transactions that take place in a peer-to-peer network. Since any new record is verified by consensus, it means that all network participants as "miners" jointly verify the integrity of the data. When the data passes the verification, the block where the data is located will be stored in an encrypted and decentralized manner in the network. The distributed storage scheme provides an irreversible, tamper-proof tokenized asset transaction database, so the blockchain based on the proof-of-work consensus mechanism (POW) has been widely used. [0003] However, in an open blockchain, its security and integrity depend on the majority of honest nodes. When an attacker owns more than 51% of the computing power,...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q40/04
CPCG06Q40/08G06Q40/04
Inventor 谭北海罗楚坤余荣吴茂强
Owner GUANGDONG UNIV OF TECH
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