A blockchain-based insurance claims information processing method and device

Abstract

The present application provides a blockchain-based insurance claim information processing method and device, which relates to the blockchain field and can also be used in the financial field. The method includes: generating basic account opening information based on customer insurance information obtained from a commercial bank node or an insurance company node in the blockchain and an account opening smart contract pre-agreed with the commercial bank node and the insurance company node; performing an insurance claim judgment based on the basic account opening information, the accident transaction record obtained from the commercial bank node, and the claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node; and sending the insurance claim judgment result to the commercial bank node so that the commercial bank node can perform insurance claim processing. The present application can utilize the account opening smart contract and claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node to process insurance claim information.

Description

Technical Field

[0001] This application relates to the field of blockchain and can be used in the financial field. Specifically, it is a method and device for processing insurance claims information based on blockchain. Background Art

[0002] As time goes by, the Chinese people attach increasing importance to medical insurance. The amount of insurance and the scale of insurance coverage have been rising year by year, leading to increasingly complex claims processes and increasingly difficult review processes. This is manifested in: insurance companies' lengthy pre-insurance review processes, low claims efficiency, and a lack of transparency in the claims process; commercial banks' low level of involvement in the insured's medical care and their high degree of substitutability; policyholders face significant pressure to advance funds and submit numerous documents; and medical institutions face significant pressure on both doctors and patients, making the provision of documents cumbersome.

[0003] Specifically, the industry currently predominantly submits claims account opening and claim application information manually offline. This makes it difficult for insurance companies to collect, obtain, and review these information. Furthermore, policyholders' lack of familiarity with the claims process leads to non-standard and incomplete submissions, repeated claims processing, and significant waste of manpower and resources. Furthermore, the current claims process relies on policyholders filing their own claims, with insurance companies assisting with review and commercial banks executing public-to-private transfers. Consequently, commercial banks lack complete access to policyholders' transaction information and are unable to conduct a comprehensive and comprehensive assessment of their credit ratings. These and other issues contribute to slow insurance claims settlement times. Summary of the Invention

[0004] In response to the problems in the existing technology, the present application provides a blockchain-based insurance claim information processing method and device, which can use the account opening smart contract and claim smart contract pre-agreed with commercial bank nodes and insurance company nodes to process insurance claim information.

[0005] To solve the above technical problems, this application provides the following technical solutions:

[0006] In a first aspect, the present application provides a blockchain-based insurance claims information processing method, comprising:

[0007] Generate basic account opening information based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node or insurance company node;

[0008] Make insurance claim judgments based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract agreed in advance with the commercial bank node and the insurance company node;

[0009] The insurance claim judgment result is sent to the commercial bank node so that the commercial bank node can process the insurance claim.

[0010] Furthermore, the blockchain-based insurance claim information processing method further includes:

[0011] If the insurance claim judgment result is passed, a second insurance claim judgment is made based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract;

[0012] The reinsurance claim judgment result is sent to the commercial bank node so that the commercial bank node can process the insurance claim.

[0013] Furthermore, the basic account opening information is generated based on the customer insurance information obtained from the commercial bank node or the insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node and the insurance company node, including:

[0014] Determine the customer's insurance conditions based on the customer's insurance information and the account opening smart contract;

[0015] If the insurance conditions are met, the basic account opening information is generated based on the customer's insurance information and the account opening smart contract.

[0016] Furthermore, the determination of the customer's insurance conditions based on the customer's insurance information and the account opening smart contract includes:

[0017] Determine the legitimacy of the customer's credentials based on the customer's insurance information and the account opening smart contract;

[0018] If the customer's ID is legitimate, the customer's credit rating is determined based on the customer's insurance information and the account opening smart contract;

[0019] If the customer's credit rating exceeds the preset credit rating, the legality of the customer's insurance behavior is judged based on the customer's insurance information and the account opening smart contract.

[0020] Furthermore, the insurance claim judgment is performed based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node, including:

[0021] Using the claims settlement smart contract to determine whether the transaction account corresponding to the insurance transaction record has a joint insurance policy;

[0022] If so, use the claim settlement smart contract to determine whether the transaction location corresponding to the accident transaction record is a medical institution;

[0023] If so, the claim settlement smart contract is used to determine whether the transaction institution corresponding to the accident transaction record falls within the first insurance claim category, and the insurance claim settlement judgment result is obtained.

[0024] Furthermore, the reinsurance claim judgment is performed based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim settlement smart contract, including:

[0025] According to the medical payment voucher and the claim settlement smart contract, it is determined whether the medical behavior corresponding to the basic account opening information falls within the scope of the second insurance claim.

[0026] Furthermore, the blockchain-based insurance claim information processing method further includes:

[0027] The results of the insurance claim processing performed by the commercial bank node are sent to the regulatory agency node in the blockchain, so that the regulatory agency node can supervise the insurance claim processing process.

[0028] Furthermore, the blockchain-based insurance claim information processing method further includes:

[0029] The insurance claim judgment result, the reinsurance claim judgment result and the insurance claim processing result are encrypted and then transmitted.

[0030] In a second aspect, this application provides a blockchain-based insurance claims information processing method, comprising:

[0031] An account opening basic information generation unit, configured to generate the account opening basic information based on the customer insurance information obtained from the commercial bank node or the insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node or the insurance company node;

[0032] An insurance claim judgment unit, configured to make an insurance claim judgment based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node;

[0033] The claim judgment result sending unit is used to send the insurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim.

[0034] Furthermore, the blockchain-based insurance claim information processing method further includes:

[0035] A secondary insurance claim judgment unit, configured to, when the insurance claim judgment result is passed, make a secondary insurance claim judgment based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract;

[0036] The re-claim judgment result sending unit is used to send the re-insurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim.

[0037] Furthermore, the basic account opening information generating unit includes:

[0038] A customer insurance condition judgment module, used to judge the customer's insurance conditions based on the customer's insurance information and the account opening smart contract;

[0039] The account opening basic information generation module is used to generate the account opening basic information based on the customer's insurance information and the account opening smart contract when the insurance conditions are met.

[0040] Furthermore, the customer insurance condition judgment module includes:

[0041] A certificate legitimacy judgment module, used to judge the legitimacy of the customer's certificate based on the customer's insurance information and the account opening smart contract;

[0042] A credit rating judgment module is used to judge the customer's credit rating based on the customer's insurance information and the account opening smart contract when the customer's documents are legal;

[0043] The insurance behavior legitimacy judgment module is used to judge the legitimacy of the customer's insurance behavior based on the customer's insurance information and the account opening smart contract when the customer's credit rating exceeds the preset credit rating.

[0044] Furthermore, the insurance claim judgment unit includes:

[0045] A joint insurance policy determination module, configured to use the claim settlement smart contract to determine whether a joint insurance policy exists in the transaction account corresponding to the insurance transaction record;

[0046] A medical institution determination module is used to determine whether the transaction location corresponding to the insurance transaction record is a medical institution by using the claim settlement smart contract when a joint insurance policy exists;

[0047] The first insurance claim category judgment module is used to use the claim smart contract to determine whether the transaction institution corresponding to the accident transaction record falls within the first insurance claim category when it is a medical institution, and obtain the insurance claim judgment result.

[0048] Furthermore, the reinsurance claim judgment unit is specifically configured to:

[0049] According to the medical payment voucher and the claim settlement smart contract, it is determined whether the medical behavior corresponding to the basic account opening information falls within the scope of the second insurance claim.

[0050] Furthermore, the blockchain-based insurance claim information processing method further includes:

[0051] The insurance claims supervision unit is used to send the results of the insurance claims processing performed by the commercial bank node to the regulatory agency node in the blockchain, so that the regulatory agency node can supervise the insurance claims processing process.

[0052] Furthermore, the blockchain-based insurance claim information processing method further includes:

[0053] The insurance claim encryption unit is used to encrypt and transmit the insurance claim judgment result, the reinsurance claim judgment result and the result of the insurance claim processing.

[0054] In a third aspect, the present application provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the steps of the blockchain-based insurance claim information processing method are implemented.

[0055] In a fourth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the blockchain-based insurance claim information processing method.

[0056] In response to the problems in the existing technology, the blockchain-based insurance claim information processing method and device provided in this application can use the account opening smart contract and claim smart contract pre-agreed between the blockchain information management node and the commercial bank node and insurance company node to process insurance claim information. Through blockchain technology, the insurance claim process is made more efficient and transparent, the efficiency of the insured in accepting insurance claims is improved, the participation of commercial banks, medical institutions and regulatory agencies in the insurance claims process is enhanced, and the pressure of insurance claim information processing is reduced. BRIEF DESCRIPTION OF THE DRAWINGS

[0057] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0058] Figure 1This is one of the flowcharts of the blockchain-based insurance claim information processing method in an embodiment of the present application;

[0059] Figure 2 This is one of the scenario diagrams of the blockchain-based insurance claim information processing method in an embodiment of this application;

[0060] Figure 3 This is the second flowchart of the blockchain-based insurance claim information processing method in an embodiment of this application;

[0061] Figure 4 This is the second scenario diagram of the blockchain-based insurance claim information processing method in the embodiment of this application;

[0062] Figure 5 This is a flowchart for generating basic account opening information in an embodiment of the present application;

[0063] Figure 6 This is a flow chart for determining customer insurance conditions in an embodiment of the present application;

[0064] Figure 7 This is a flowchart of insurance claim judgment in an embodiment of the present application;

[0065] Figure 8 This is one of the structural diagrams of the blockchain-based insurance claim information processing device in an embodiment of the present application;

[0066] Figure 9 This is the second structural diagram of the blockchain-based insurance claim information processing device in an embodiment of the present application;

[0067] Figure 10 This is a structural diagram of the basic account opening information generating unit in an embodiment of the present application;

[0068] Figure 11 This is a structural diagram of the customer insurance condition judgment module in the embodiment of this application;

[0069] Figure 12 This is a structural diagram of the insurance claim judgment unit in an embodiment of the present application;

[0070] Figure 13 A schematic diagram of the structure of an electronic device in an embodiment of the present application;

[0071] Figure 14 This is a physical scenario diagram of the blockchain-based insurance claim information processing method in an embodiment of the present application. DETAILED DESCRIPTION

[0072] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.

[0073] It should be noted that the blockchain-based insurance claim information processing method and device provided in this application can be used in the financial field, and can also be used in any field other than the financial field. The application field of the blockchain-based insurance claim information processing method and device provided in this application is not limited.

[0074] Figure 14 This is a diagram of the physical scenario corresponding to the embodiments of this application. As shown in the figure, customers can purchase insurance directly from insurance companies or indirectly through commercial banks. The insurance types involved in the embodiments of this application may include life insurance and medical health insurance, etc., but this application is not limited to these.

[0075] In existing technology, insurance claims are typically initiated by customers, who manually submit information such as account opening and claim application information offline. Insurance companies collect and review these information. If approved, they initiate a claim processing request with the commercial bank, essentially making the reimbursement payment. Ultimately, the commercial bank remits the claim to the customer, completing the claim settlement.

[0076] However, customers' unfamiliarity with the claims process may lead to non-standard and incomplete submission of materials, repeated claims processing, and waste of manpower and material resources; and after the insurance company completes the review, it still needs to contact commercial banks to execute public-to-private transfers. Commercial banks do not fully understand the customer situation and have low participation; more importantly, the above process lacks an efficient and tamper-proof unified supervision mechanism, resulting in frequent loopholes in the claims process.

[0077] In order to solve the problems existing in the prior art, this application provides a blockchain-based insurance claim information processing method. The participants still include Figure 14 The data exchange between these parties is conducted on the blockchain, leveraging the characteristics of the blockchain to ensure efficient and secure insurance claims processing, as detailed below.

[0078] See also Figure 1 In order to process insurance claims information using the account opening smart contract and claim settlement smart contract pre-agreed with commercial bank nodes and insurance company nodes, the blockchain-based insurance claims information processing method provided in this application includes:

[0079] S101: Generate basic account opening information based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract agreed in advance with the commercial bank node or insurance company node;

[0080] S102: Decision on insurance claims based on basic account opening information, accident transaction records obtained from commercial bank nodes, and claims settlement smart contracts agreed upon in advance with commercial bank nodes and insurance company nodes;

[0081] S103: Send the insurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim.

[0082] Understandably, see Figure 2 This application utilizes blockchain technology to construct a blockchain-based insurance claims information processing platform that includes commercial banks and insurance companies. Blockchain nodes are deployed according to the participating parties in this platform. These nodes include, but are not limited to, commercial bank nodes and insurance company nodes. This application does not limit the number of each type of node; the number can be flexibly set based on actual business needs. Each node can access this blockchain-based insurance claims information processing platform through various channels, such as mobile terminals or internal business systems.

[0083] In the application scenario of the embodiments of this application, customers can purchase insurance through commercial banks or insurance companies. This means that commercial banks or insurance companies can access customers' insurance information. This information includes, but is not limited to, customer personal information files, customer insurance types, and customer insurance contracts. In this blockchain insurance claims information processing platform, commercial bank nodes can also access customers' historical transaction records, including accident transaction records. Accident transaction records refer to the customer's financial transactions during / during an insurance-covered accident.

[0084] When a customer initiates an insurance claim request through a commercial bank node, the blockchain insurance claim information processing platform can obtain the customer's insurance information and insurance transaction records from the corresponding node, and then use the account opening smart contract and claim smart contract reached with the commercial bank node and insurance company node to complete the insurance claim account opening and insurance claim judgment, and finally send the insurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim.

[0085] It should be noted that the account opening smart contract and the claims settlement smart contract are pre-agreed upon between the blockchain insurance claims information processing platform, the commercial bank nodes, and the insurance company nodes. Their practical significance can be understood as a pre-negotiated insurance claims information processing solution (including but not limited to generating insurance claims information templates) among these three nodes to complete insurance claims information processing. The account opening smart contract and the claims settlement smart contract share the common characteristics of blockchain smart contracts.

[0086] In summary, the establishment of this blockchain insurance claims information processing platform has realized the secure sharing of information between customers, commercial bank nodes and insurance company nodes, realized the automatic review of insurance claims, and can efficiently update customer insurance information and customer medical records, etc., enhancing the participation of commercial banks in insurance claims business, improving claims efficiency, and realizing the traceability of insurance claims throughout the entire life cycle.

[0087] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can use the account opening smart contract and claim smart contract pre-agreed by the blockchain information management node and the commercial bank node and insurance company node to process insurance claim information. Through blockchain technology, the insurance claim process is made more efficient and transparent, the efficiency of the insured in accepting insurance claims is improved, the participation of commercial banks in the insurance claims process is enhanced, and the pressure of insurance claim information processing is reduced.

[0088] See also Figure 3 The blockchain-based insurance claim information processing method also includes:

[0089] S201: If the insurance claim is approved, a second insurance claim judgment is made based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract;

[0090] S202: Send the reinsurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim.

[0091] Understandably, see Figure 4In one embodiment, the blockchain insurance claims information processing platform may also include a medical institution node. The medical institution node can access customer medical records, including but not limited to medical payment receipts. Medical payment receipts can verify the medical expenses incurred by the customer at the time of / during the insurance claim. In some business scenarios, the insurance company only covers a portion of the medical expenses incurred by the customer at the time of / during the insurance claim. Insurance claims can be determined based on medical payment receipts to determine which medical expenses are eligible for claims and which are not. However, the above example is for illustrative purposes only, and the role of medical payment receipts is not limited to this and can be expanded based on actual business needs.

[0092] It should be noted that the insurance claim judgment in step S201 is made on the basis of the first insurance claim judgment in step S102. If the insurance claim judgment result in step S102 is passed, then in step S201, a second insurance claim judgment can be made based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract. For example, when making a second insurance claim judgment, it can be determined whether the medical expenses incurred by the customer during the treatment are legal and compliant, and whether there is any abuse; or, which medical insurance categories these medical expenses belong to, which ones can participate in insurance claims, etc. In one embodiment, the claim smart contract also allows medical institution nodes to participate in the joint conclusion.

[0093] In one embodiment, medical institution nodes can also upload medical treatment processes to trigger insurance claims. After the blockchain-based insurance claims information processing platform automatically completes the review, commercial bank nodes can provide claim reimbursement services. With credit approval from the insurance company, reimbursement funds are deposited into the customer's dedicated reimbursement account at the commercial bank, and the credit approval and payment records are uploaded to the blockchain-based insurance claims information processing platform.

[0094] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can make a secondary insurance claim judgment based on the basic account opening information, medical payment receipts and claim smart contracts, and send the secondary insurance claim judgment results to the commercial bank node so that the commercial bank node can process the insurance claim.

[0095] See also Figure 5 , based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract agreed in advance with the commercial bank node and insurance company node, basic account opening information is generated, including:

[0096] S501: Determine the customer's insurance conditions based on the customer's insurance information and the account opening smart contract;

[0097] S502: If the insurance conditions are met, basic account opening information is generated based on the customer's insurance information and the account opening smart contract.

[0098] It is understandable that the blockchain insurance claims information processing platform can obtain customer insurance information from commercial bank nodes or insurance company nodes.

[0099] In other words, if a customer purchases insurance through a commercial bank node, the commercial bank node can prepare the customer's insurance information and upload it to the blockchain insurance claims information processing platform. If a customer purchases insurance through an insurance company node, the insurance company node can also prepare the customer's insurance information and upload it to the blockchain insurance claims information processing platform. This customer insurance information includes, but is not limited to, the customer's ID number, proof of assets, the customer's insured product number, and other customer information.

[0100] In one embodiment, the commercial bank node can also notify the insurance company node to review the customer's insurance claim application. After the insurance company node completes the review, the commercial bank node can upload the customer's insurance information to the blockchain insurance claim information processing platform. The blockchain insurance claim information processing platform generates basic account opening information based on the customer's insurance information and the account opening smart contract, and issues a notification to each node on the platform. The notification content includes but is not limited to the customer review result, customer account opening information, customer insurance product number, customer co-branded card number, and customer account number.

[0101] In one embodiment, the customer insurance information uploaded by the insurance company node may also include insurance claim terms, insurance purchase contracts, etc.

[0102] Specifically, the blockchain insurance claims information processing platform generates basic account opening information based on the customer's insurance information and the account opening smart contract by reading each data item in the customer's insurance information and extracting the data items required to be filled in by the account opening smart contract from the customer's insurance information, thereby generating the basic account opening information. For example, data items such as the customer's name, ID number, policy number, and insured product number in the insurance information should all be entered into the corresponding data items (name, ID number, policy number, and insured product number) in the account opening smart contract.

[0103] It should be noted that before generating basic account opening information based on the customer's insurance information and the account opening smart contract, the blockchain insurance claims information processing platform must determine the customer's insurance conditions based on this information and the account opening smart contract. The specific judgment logic can be found in the description of steps S601 to S602. If the insurance conditions are not met, the customer can be notified of the claim failure through the commercial bank node and / or the insurance company node.

[0104] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can generate basic account opening information based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract reached in advance with the commercial bank node and insurance company node.

[0105] See also Figure 6 , based on the customer's insurance information and account opening smart contract, the customer's insurance conditions are judged, including:

[0106] S601: Determine the legitimacy of the customer's ID based on the customer's insurance information and the account opening smart contract;

[0107] S602: If the customer's ID is legitimate, the customer's credit rating is determined based on the customer's insurance information and the account opening smart contract;

[0108] S603: If the customer's credit rating exceeds the preset credit rating, the legality of the customer's insurance behavior is determined based on the customer's insurance information and the account opening smart contract.

[0109] It is understood that in one embodiment, the account opening smart contract can be provided by a commercial bank node and pre-agreed with the blockchain insurance claims information processing platform and the insurance company node. Customer insurance information includes a photo and ID number. The blockchain insurance claims information processing platform can combine customer information obtained through legal channels to determine the legitimacy of the customer's ID based on the customer's insurance information and the account opening smart contract. A customer's creditworthiness can be determined through either the commercial bank node or the insurance company node. For example, a customer who consistently pays premiums on time, has sufficient funds, and has no record of violations of laws and regulations has a relatively high credit rating. The blockchain insurance claims information processing platform can preset a customer credit rating threshold. If the customer's credit rating exceeds the preset credit rating threshold, the platform can proceed to the next step, determining the legitimacy of the customer's insurance purchase based on the customer's insurance information and the account opening smart contract. For example, the legitimacy of a customer's insurance purchase can be understood as whether the customer concealed any medical history when purchasing insurance. Of course, determining the legitimacy of a customer's insurance purchase is not limited to this single criterion; this is merely an example, and the specific judgment rules can be flexibly tailored to actual business scenarios.

[0110] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can judge the customer's insurance conditions based on the customer's insurance information and account opening smart contract.

[0111] See also Figure 7 , based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract agreed in advance with the commercial bank node and the insurance company node, the insurance claim judgment is made, including:

[0112] S701: Use the claims settlement smart contract to determine whether the transaction account corresponding to the insurance transaction record has a joint insurance policy;

[0113] S702: If yes, use the claims settlement smart contract to determine whether the transaction location corresponding to the accident transaction record is a medical institution;

[0114] S703: If yes, use the claim settlement smart contract to determine whether the transaction institution corresponding to the accident transaction record falls within the scope of the first insurance claim, and obtain the insurance claim judgment result.

[0115] It is understood that in one embodiment, the claims smart contract can be provided by the insurance company node and pre-agreed with the blockchain insurance claims information processing platform and the commercial bank node. The claims smart contract may include, but is not limited to, the customer's insurance product number, the customer's insurance period, the customer's insurance cooling-off period, the scope of claims (including what is included), the scope of claims (excluding what is excluded), the customer's violation clauses, the insurance claims plan, and the applicable conditions for insurance claims.

[0116] In one embodiment, when a commercial bank node uploads an insurance transaction record, it can trigger a claims smart contract to determine the insurance claim. The blockchain insurance claims information processing platform can compare actual medical payment transactions based on the customer's co-branded card number, insurance product number, transaction location, transaction MCC, insurance product type, insurance period, and exception clauses contained in the claims smart contract to automatically process the claim.

[0117] The specific judgment logic might first determine whether the transaction account corresponding to the claim transaction record has a co-branded insurance policy. This step could be used in a scenario where a customer uses a co-branded bank card associated with the policy to pay medical expenses at a medical institution. In other words, the bank card used to pay medical expenses at the medical institution has a co-branded insurance policy. If a co-branded insurance policy exists, the claims smart contract then determines whether the transaction location corresponding to the claim transaction record is a medical institution. This step could be used in a scenario where the customer used the same bank card but the transaction location might be a supermarket rather than a medical institution, potentially resulting in a claim failure. If it is a medical institution, the smart contract then determines whether the transaction location corresponding to the claim transaction record is the medical institution specified in the insurance purchase contract, meaning whether it falls within the scope of the primary insurance claim. In the above judgment logic, if any of these criteria are negative, the insurance claim will be rejected. The specific judgment criteria can be flexibly configured based on the actual business scenario.

[0118] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can make insurance claim judgments based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim smart contract reached in advance with the commercial bank node and the insurance company node.

[0119] In one embodiment, a secondary insurance claim judgment is made based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract, including: judging whether the medical behavior corresponding to the basic account opening information falls within the scope of the secondary insurance claim based on the medical payment voucher and the claim smart contract.

[0120] It is understandable that the understanding of the second insurance claim scope can refer to the examples described in steps S201 to S202.

[0121] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can make a secondary insurance claim judgment based on the basic account opening information, the medical payment certificate obtained from the medical institution node in the blockchain, and the claim smart contract.

[0122] In one embodiment, the blockchain-based insurance claim information processing method further includes:

[0123] The results of insurance claims processing by commercial bank nodes are sent to the regulatory agency node in the blockchain, so that the regulatory agency node can supervise the insurance claims processing process.

[0124] It is understood that the blockchain insurance claims information processing platform may also include a regulatory authority node. This regulatory authority node can obtain the process and result data of each claim processing operation on the blockchain insurance claims information processing platform and store this data using the tamper-proof nature of blockchain technology to supervise the insurance claims processing process, thereby ensuring the openness and transparency of the insurance claims process.

[0125] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can send the results of insurance claim processing performed by the commercial bank node to the regulatory agency node in the blockchain, so that the regulatory agency node can supervise the insurance claim processing process.

[0126] In one embodiment, the blockchain-based insurance claim information processing method further includes:

[0127] The insurance claim judgment results, reinsurance claim judgment results and insurance claim processing results are encrypted and transmitted.

[0128] It is understood that in one embodiment, basic account opening information and insurance claim judgment results and other data need to be notified to each node-related party in the blockchain insurance claim information processing platform (including commercial bank nodes, insurance company nodes, medical institution nodes, and regulatory agency nodes) through the message notification module. Sometimes, the insurance company node also needs to upload customer insurance information to the blockchain insurance claim information processing platform or feedback the account opening results (customer review results, account opening information, insurance number, joint number information) to the commercial bank node and the customer.

[0129] When secure data transmission is required, embodiments of this application can leverage the security features of blockchain technology to implement encrypted data transmission and grant limited access to this data. These permissions can be flexibly configured based on the actual business scenario. The entity that executes this encrypted data transmission can be the information encryption module within the blockchain insurance claims information processing platform.

[0130] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can encrypt and transmit the insurance claim judgment results, the reinsurance claim judgment results and the results of insurance claim processing.

[0131] Based on the same inventive concept, the embodiments of the present application also provide a blockchain-based insurance claim information processing device, which can be used to implement the method described in the above embodiments, as described in the following embodiments. Since the principle of solving the problem by the blockchain-based insurance claim information processing device is similar to the blockchain-based insurance claim information processing method, the implementation of the blockchain-based insurance claim information processing device can refer to the implementation of the method based on software performance benchmark determination, and the repetitions will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the system described in the following embodiments is preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and conceived.

[0132] In one embodiment, see Figure 8 In order to process insurance claim information by utilizing the account opening smart contract and claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node, the present application provides a blockchain-based insurance claim settlement information processing method, including: an account opening basic information generation unit 801, an insurance claim settlement judgment unit 802, and a claim settlement judgment result sending unit 803.

[0133] The basic account opening information generation unit 801 is configured to generate basic account opening information based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node or insurance company node;

[0134] An insurance claim judgment unit 802 is configured to make an insurance claim judgment based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node;

[0135] The claim judgment result sending unit 803 is used to send the insurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim.

[0136] In one embodiment, see Figure 9 The blockchain-based insurance claim information processing method also includes: a secondary insurance claim judgment unit 901 and a secondary claim judgment result sending unit 902.

[0137] A second insurance claim judgment unit 901 is configured to, when the insurance claim judgment result is passed, perform a second insurance claim judgment based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract;

[0138] The reinsurance claim judgment result sending unit 902 is used to send the reinsurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim.

[0139] In one embodiment, see Figure 10 The basic account opening information generating unit 801 includes: a customer insurance condition judgment module 1001 and a basic account opening information generating module 1002.

[0140] The customer insurance condition determination module 1001 is used to determine the customer insurance condition based on the customer insurance information and the account opening smart contract;

[0141] The account opening basic information generation module 1002 is used to generate the account opening basic information based on the customer's insurance information and the account opening smart contract when the insurance conditions are met.

[0142] In one embodiment, see Figure 11 The customer insurance condition judgment module 1001 includes: a certificate legitimacy judgment module 1101, a credit rating judgment module 1102 and an insurance behavior legitimacy judgment module 1103.

[0143] The certificate legitimacy determination module 1101 is used to determine the legitimacy of the customer's certificate based on the customer's insurance information and the account opening smart contract;

[0144] The credit rating determination module 1102 is used to determine the customer's credit rating based on the customer's insurance information and the account opening smart contract when the customer's ID is valid;

[0145] The insurance behavior legitimacy judgment module 1103 is used to judge the legitimacy of the customer's insurance behavior based on the customer's insurance information and the account opening smart contract when the customer's credit rating exceeds the preset credit rating.

[0146] In one embodiment, see Figure 12 The insurance claim judgment unit 802 includes: a joint policy judgment module 1201, a medical institution judgment module 1202 and a first insurance claim scope judgment module 1203.

[0147] A joint insurance policy determination module 1201 is configured to use the claim settlement smart contract to determine whether a joint insurance policy exists in the transaction account corresponding to the claim transaction record;

[0148] The medical institution determination module 1202 is used to determine whether the transaction location corresponding to the insurance transaction record is a medical institution by using the claim settlement smart contract when there is a joint insurance policy;

[0149] The first insurance claim category judgment module 1203 is used to use the claim smart contract to determine whether the transaction institution corresponding to the accident transaction record falls within the first insurance claim category when it is a medical institution, and obtain the insurance claim judgment result.

[0150] In one embodiment, the reinsurance claim determination unit 901 is specifically configured to:

[0151] According to the medical payment voucher and the claim settlement smart contract, it is determined whether the medical behavior corresponding to the basic account opening information falls within the scope of the second insurance claim.

[0152] In one embodiment, the blockchain-based insurance claim information processing method further includes:

[0153] The insurance claims supervision unit is used to send the results of the insurance claims processing performed by the commercial bank node to the regulatory agency node in the blockchain, so that the regulatory agency node can supervise the insurance claims processing process.

[0154] In one embodiment, the blockchain-based insurance claim information processing method further includes:

[0155] The insurance claim encryption unit is used to encrypt and transmit the insurance claim judgment result, the reinsurance claim judgment result and the result of the insurance claim processing.

[0156] From a hardware perspective, in order to process insurance claim information using the account opening smart contract and claim settlement smart contract pre-agreed with commercial bank nodes and insurance company nodes, this application provides a blockchain-based insurance claim information processing method. This application also provides an embodiment of an electronic device for implementing all or part of the contents of the blockchain-based insurance claim information processing method. The electronic device specifically includes the following contents:

[0157] Processor, memory, communication interface, and bus; wherein the processor, memory, and communication interface communicate with each other via the bus; the communication interface is used to implement information transmission between the blockchain-based insurance claims information processing device and related devices such as core business systems, user terminals, and related databases; the logic controller can be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the logic controller can be implemented with reference to the embodiment of the blockchain-based insurance claims information processing method and the embodiment of the blockchain-based insurance claims information processing device in the embodiment, the contents of which are incorporated herein and repeated parts are not repeated.

[0158] It is understandable that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, a smart wearable device, etc. Among them, the smart wearable device may include smart glasses, a smart watch, a smart bracelet, etc.

[0159] In practical applications, portions of the blockchain-based insurance claims information processing method can be executed on the electronic device as described above, or all operations can be performed on the client device. The specific method can be selected based on the processing capabilities of the client device and the limitations of the user's usage scenario. This application does not impose any restrictions on this. If all operations are performed on the client device, the client device may also include a processor.

[0160] The client device may include a communication module (i.e., a communication unit) that can establish a communication connection with a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, may also include a server on an intermediate platform, such as a server on a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, a server cluster consisting of multiple servers, or a server structure of a distributed device.

[0161] Figure 13Schematic block diagram of the system structure of the electronic device 9600 according to an embodiment of the present application. Figure 13 As shown, the electronic device 9600 may include a central processing unit 9100 and a memory 9140; the memory 9140 is coupled to the central processing unit 9100. It is worth noting that the Figure 13 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0162] In one embodiment, the blockchain-based insurance claim information processing method function can be integrated into the central processing unit 9100. The central processing unit 9100 can be configured to perform the following control:

[0163] S101: Generate basic account opening information based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node or insurance company node;

[0164] S102: Decision on insurance claims based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claims smart contract pre-agreed with the commercial bank node and the insurance company node;

[0165] S103: Send the insurance claim judgment result to the commercial bank node, so that the commercial bank node can process the insurance claim.

[0166] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can use the account opening smart contract and claim smart contract pre-agreed between the blockchain information management node and the commercial bank node and the insurance company node to process insurance claim information. Through blockchain technology, the insurance claim process is made more efficient and transparent, the efficiency of the insured in accepting insurance claims is improved, the participation of commercial banks, medical institutions and regulatory agencies in the insurance claims process is enhanced, and the pressure of insurance claim information processing is reduced.

[0167] In another embodiment, the blockchain-based insurance claim information processing device can be configured separately from the central processor 9100. For example, the data composite transmission device can be configured as a chip connected to the central processor 9100, and the functions of the blockchain-based insurance claim information processing method can be realized through the control of the central processor.

[0168] like Figure 13 As shown, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is worth noting that the electronic device 9600 does not necessarily have to include Figure 13 In addition, the electronic device 9600 may also include all components shown in Figure 13 For components not shown, reference may be made to the prior art.

[0169] like Figure 13 As shown, the central processing unit 9100 is sometimes also referred to as a controller or operation control, and may include a microprocessor or other processor device and / or logic device. The central processing unit 9100 receives input and controls the operation of various components of the electronic device 9600.

[0170] Memory 9140 can be, for example, one or more of a cache, flash memory, hard drive, removable media, volatile memory, non-volatile memory, or other suitable devices. It can store the aforementioned failure-related information and also store programs that execute the relevant information. The CPU 9100 can execute the programs stored in memory 9140 to implement information storage or processing.

[0171] The input unit 9120 provides input to the central processing unit 9100. The input unit 9120 may be, for example, a keypad or touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used to display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0172] The memory 9140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), or a SIM card. Alternatively, it may be a memory that retains information even when power is off, can be selectively erased, and is provided with more data. Examples of such memory are sometimes referred to as EPROMs. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application / function storage unit 9142 for storing application programs and function programs or processes for executing the operation of the electronic device 9600 by the central processing unit 9100.

[0173] The memory 9140 may also include a data storage unit 9143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 9144 of the memory 9140 may include various driver programs for the electronic device's communication functions and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0174] The communication module 9110 is a transmitter / receiver 9110 that sends and receives signals via an antenna 9111. The communication module (transmitter / receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in a conventional mobile communication terminal.

[0175] Based on different communication technologies, multiple communication modules 9110 can be provided in the same electronic device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module. The communication module (transmitter / receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing common telecommunication functions. The audio processor 9130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 9130 is also coupled to the central processing unit 9100, enabling local recording via the microphone 9132 and playback of stored audio via the speaker 9131.

[0176] The embodiments of the present application also provide a computer-readable storage medium capable of implementing all steps of the blockchain-based insurance claim information processing method in the above-mentioned embodiments, where the execution subject is a server or a client. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, the computer program implements all steps of the blockchain-based insurance claim information processing method in the above-mentioned embodiments, where the execution subject is a server or a client. For example, when the processor executes the computer program, the following steps are implemented:

[0177] S101: Generate basic account opening information based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node or insurance company node;

[0178] S102: Decision on insurance claims based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claims smart contract pre-agreed with the commercial bank node and the insurance company node;

[0179] S103: Send the insurance claim judgment result to the commercial bank node, so that the commercial bank node can process the insurance claim.

[0180] From the above description, it can be seen that the blockchain-based insurance claim information processing method provided by this application can use the account opening smart contract and claim smart contract pre-agreed between the blockchain information management node and the commercial bank node and the insurance company node to process insurance claim information. Through blockchain technology, the insurance claim process is made more efficient and transparent, the efficiency of the insured in accepting insurance claims is improved, the participation of commercial banks, medical institutions and regulatory agencies in the insurance claims process is enhanced, and the pressure of insurance claim information processing is reduced.

[0181] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, apparatus, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0182] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (apparatus), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as a combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0183] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0184] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0185] Specific embodiments are used in the present invention to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core ideas. At the same time, for those skilled in the art, according to the ideas of the present invention, there may be changes in the specific implementation methods and application scopes. In summary, the contents of this specification should not be understood as limiting the present invention.

Claims

1. A blockchain-based insurance claim information processing method, characterized in that: include: Generate basic account opening information based on the customer insurance information obtained from the commercial bank node or insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node or insurance company node; Make insurance claim judgments based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract agreed in advance with the commercial bank node and the insurance company node; Sending the insurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim; If the insurance claim judgment result is passed, a second insurance claim judgment is made based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract; Sending the reinsurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim; The reinsurance claim judgment based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim settlement smart contract includes: Determine whether the medical treatment corresponding to the basic account opening information falls within the scope of the second insurance claim based on the medical payment voucher and the claim settlement smart contract; The actual significance of the account opening smart contract and the claims smart contract is the pre-negotiated insurance claims information processing plan for completing insurance claims information processing; the insurance claims information processing plan includes an insurance claims information template; The basic account opening information generated based on the customer insurance information obtained from the commercial bank node or the insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node and the insurance company node includes: Determine the customer's insurance conditions based on the customer's insurance information and the account opening smart contract; If the insurance conditions are met, the basic account opening information is generated based on the customer's insurance information and the account opening smart contract; The insurance claim judgment based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node includes: Using the claims settlement smart contract to determine whether the transaction account corresponding to the insurance transaction record has a joint insurance policy; If so, use the claim settlement smart contract to determine whether the transaction location corresponding to the accident transaction record is a medical institution; If so, use the claim settlement smart contract to determine whether the transaction institution corresponding to the accident transaction record falls within the first insurance claim category, and obtain the insurance claim settlement judgment result; Among them, information is shared securely among customers, commercial bank nodes and insurance company nodes.

2. The blockchain-based insurance claim information processing method according to claim 1 is characterized in that: The judgment of the customer's insurance conditions based on the customer's insurance information and the account opening smart contract includes: Determine the legitimacy of the customer's credentials based on the customer's insurance information and the account opening smart contract; If the customer's ID is legitimate, the customer's credit rating is determined based on the customer's insurance information and the account opening smart contract; If the customer's credit rating exceeds the preset credit rating, the legality of the customer's insurance behavior is judged based on the customer's insurance information and the account opening smart contract.

3. The blockchain-based insurance claim information processing method according to claim 1 is characterized in that: Also includes: The results of the insurance claim processing performed by the commercial bank node are sent to the regulatory agency node in the blockchain, so that the regulatory agency node can supervise the insurance claim processing process.

4. The blockchain-based insurance claim information processing method according to claim 1, characterized in that: Also includes: The insurance claim judgment result, the reinsurance claim judgment result and the insurance claim processing result are encrypted and then transmitted.

5. A blockchain-based insurance claim information processing device, characterized in that: include: An account opening basic information generation unit, configured to generate the account opening basic information based on the customer insurance information obtained from the commercial bank node or the insurance company node in the blockchain and the account opening smart contract pre-agreed with the commercial bank node or the insurance company node; An insurance claim judgment unit, configured to make an insurance claim judgment based on the basic account opening information, the accident transaction records obtained from the commercial bank node, and the claim settlement smart contract pre-agreed with the commercial bank node and the insurance company node; a claim judgment result sending unit, configured to send the insurance claim judgment result to the commercial bank node so that the commercial bank node can process the insurance claim; A secondary insurance claim judgment unit, configured to, when the insurance claim judgment result is passed, make a secondary insurance claim judgment based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim smart contract; a second insurance claim judgment result sending unit, configured to send the second insurance claim judgment result to the commercial bank node, so that the commercial bank node can process the insurance claim; The reinsurance claim judgment based on the basic account opening information, the medical payment voucher obtained from the medical institution node in the blockchain, and the claim settlement smart contract includes: Determine whether the medical treatment corresponding to the basic account opening information falls within the scope of the second insurance claim based on the medical payment voucher and the claim settlement smart contract; The actual significance of the account opening smart contract and the claims smart contract is the pre-negotiated insurance claims information processing plan for completing insurance claims information processing; the insurance claims information processing plan includes an insurance claims information template; The basic account opening information generating unit includes: A customer insurance condition judgment module, used to judge the customer's insurance conditions based on the customer's insurance information and the account opening smart contract; An account opening basic information generation module is used to generate the account opening basic information based on the customer's insurance information and the account opening smart contract when the insurance conditions are met; The insurance claim judgment unit includes: A joint insurance policy determination module, configured to use the claim settlement smart contract to determine whether a joint insurance policy exists in the transaction account corresponding to the insurance transaction record; A medical institution determination module is used to determine whether the transaction location corresponding to the insurance transaction record is a medical institution by using the claim settlement smart contract when a joint insurance policy exists; A first insurance claim category determination module, for determining, when the entity is a medical institution, using the claim smart contract to determine whether the transaction institution corresponding to the accident transaction record falls within the first insurance claim category, and obtaining the insurance claim determination result; Among them, information is shared securely among customers, commercial bank nodes and insurance company nodes.

6. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the steps of the blockchain-based insurance claim information processing method described in any one of claims 1 to 4 are implemented.

7. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the blockchain-based insurance claim information processing method described in any one of claims 1 to 4 are implemented.

8. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the steps of the blockchain-based insurance claim information processing method described in any one of claims 1 to 4 are implemented.

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