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Mutual-help insurance method and device based on block chain, and medium

A blockchain and mutual-aid technology, applied in the field of mutual-aid insurance, can solve problems such as difficult identification of risks, uncertain compensation, and difficulty in supervision, and achieve the effects of reducing operating costs, facilitating auditing, and increasing transparency

Pending Publication Date: 2020-06-09
JINAN INSPUR HIGH TECH TECH DEV CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] The embodiment of this specification provides a blockchain-based mutual insurance method, equipment, and media, which are used to solve the following technical problems in the prior art: the existing mutual insurance has difficulties in identifying accidents, uncertain compensation, and difficulty in supervision , Evidence collection and traceability issues

Method used

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  • Mutual-help insurance method and device based on block chain, and medium
  • Mutual-help insurance method and device based on block chain, and medium
  • Mutual-help insurance method and device based on block chain, and medium

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Embodiment Construction

[0050] In order to make the purpose, technical solution and advantages of this specification clearer, the technical solution of this application will be clearly and completely described below in conjunction with specific embodiments of this specification and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the description, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts fall within the protection scope of the present application.

[0051] First, the technical concept of the technical solution disclosed in the present invention will be described. Mutual insurance can supplement or make up for some unguaranteed situations in existing commercial insurance. Mutual insurance has the advantages of more mutual trust between policyholders, higher loyalty to mutual insurance organizations or compan...

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Abstract

The invention discloses a mutual-help insurance method and device based on a block chain, and a medium. The method comprises the following steps: obtaining claim settlement application information sent by an insurance applicant terminal, and determining that the claim settlement application information conforms to insurance information according to an intelligent contract; sending the claim settlement application information to a third-party authentication institution for auditing, and determining to form a claim settlement case; obtaining anonymous claim settlement application information after anonymization processing of a third-party authentication institution, voting the anonymous claim settlement application information by each node on the mutual-aid insurance block chain according tothe intelligent contract, and determining to perform claim settlement; and sending the claim settlement application information to a supervision institution, determining a claim settlement amount bythe supervision institution according to the claim settlement fund balance checked by the intelligent contract and the claim settlement application information audited, and sending the corresponding compensation token to the account of the insurer side. An insurance participant, an identification institution and a supervision institution are combined, privacy of an insurance applicant is protectedthrough anonymization processing, and fair and transparent compensation is realized through a voting mechanism.

Description

technical field [0001] This application relates to the technical fields of smart contracts and block chains, and in particular to a block chain-based mutual insurance method, equipment, and media. Background technique [0002] In recent years, electronic currencies such as Bitcoin have become popular. Unlike most currencies, electronic currencies such as Bitcoin do not rely on specific currency issuers, and use many nodes in the entire P2P network to complete the transaction records of distributed ledgers. Electronic currencies such as Bitcoin The core supporting technology behind it is blockchain technology, also known as "distributed ledger technology", which is a technical solution for decentralization and collective maintenance of distributed ledgers. Multi-party computing is used to realize a distributed database system with data that cannot be tampered with and calculation results that are credible. [0003] Blockchain is not a single technology, but the result of the...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06F21/62
CPCG06F21/6245G06Q40/08
Inventor 孙善宝罗清彩谭强徐驰于玲于晓艳
Owner JINAN INSPUR HIGH TECH TECH DEV CO LTD
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