Smart rubber price insurance processing method based on alliance chain

Abstract

This invention provides a smart rubber price insurance processing method based on a consortium blockchain. First, a smart rubber price insurance consortium blockchain is established, including founding nodes and initial nodes, and processing points are set up. The founding nodes upload rubber insurance application data files processed at the processing points to a data storage system, and upload the corresponding file hash values ​​and file fingerprints to the consortium blockchain for storage. Data query approval contracts and smart claim approval contracts are set up on the consortium blockchain. Data query requests and insurance claim requests are automatically processed by the smart contracts. The approval process is open and transparent, effectively preventing data tampering and insurance fraud. Technically, this protects the interests of insurance companies and rubber farmers, and helps maintain the normal operation and sustainable functioning of the rubber insurance business.

Description

Technical Field

[0001] This invention relates to the field of insurance management system technology, and in particular to a smart rubber price insurance processing method based on consortium blockchain. Background Technology

[0002] To effectively promote the implementation of the "Agricultural Product Index Insurance" policy in the agricultural sector, and to refine its details, the "Benefit Farmers' Connect" project of banks, online payment, and micro-loan services for farmers are used as core hubs. The entire process integrates rubber trading and rubber price (income) insurance claims, promoting seamless integration of rubber trading data with insurance and banking institution data. This aims to further improve the efficiency and effectiveness of rubber production and trading, shorten the insurance claims cycle, incentivize rubber farmers' production enthusiasm, and enhance their sense of gain. However, currently, there are instances of dishonest agricultural merchants colluding to fraudulently claim insurance by falsely reporting sales and purchase quantities. Furthermore, the existing insurance enforcement environment lacks credibility, and the transaction process is difficult to trace and verify afterward, resulting in losses for insurance companies and affecting the normal operation and sustainable functioning of the natural rubber price insurance business. Summary of the Invention

[0003] Therefore, the purpose of this invention is to provide a smart rubber price insurance processing method based on consortium blockchain, so as to solve or at least partially solve the above-mentioned problems existing in the prior art.

[0004] To achieve the above-mentioned objectives, this invention provides a smart rubber price insurance processing method based on consortium blockchain, the method comprising the following steps:

[0005] S101. Establish a smart rubber price insurance alliance chain, wherein the alliance chain includes a founding node and an initial node;

[0006] S102. Establish a smart rubber price insurance processing point. The processing point joins the smart rubber price insurance alliance chain as an initial node. The processing point is used to process rubber price insurance applications and uploads the application data in real time.

[0007] S103. The founding node encrypts and uploads the insurance data file uploaded by the processing point to the data storage system. The data storage system stores the insurance data file and returns the file fingerprint. The founding node uploads the hash value and file fingerprint of the insurance data file to the consortium blockchain for storage.

[0008] S104. Set up a data query approval contract and a smart compensation approval contract on the consortium blockchain. When a user applies to query data, the data query approval contract is triggered. When a user applies for compensation, the smart compensation approval contract is triggered.

[0009] Furthermore, in step S103, the data storage system includes an interaction layer and a storage layer. The interaction layer is used to realize user interaction, realize user data query requests through smart contracts, verify the data query requests, retrieve the data queried by the user, read the user's key, and record the user's operation. The storage layer includes a distributed file storage system and a consortium blockchain.

[0010] Furthermore, in step S103, the founding node encrypts and uploads the insurance data file uploaded by the processing point to the distributed file storage system. Before uploading, the distributed file storage system performs a duplicate check on the insurance data file, stores the non-duplicate insurance data file, and returns the file fingerprint.

[0011] Furthermore, when the data query approval contract is triggered, the approval node calls the identity control contract to authenticate the user applying for the query and then signs the data query request. When the number of signatures for the data query request reaches a preset threshold, the approval node downloads the corresponding insurance data file and transaction file ciphertext through the smart rubber price insurance alliance chain, the smart rubber trading alliance chain, and the distributed file storage system, respectively, according to the content of the data query request. Using the proxy re-encryption key provided by the founding node, the ciphertext is re-encrypted and then transmitted at the interaction layer. The data receiver uses its own private key to decrypt the ciphertext, obtains the insurance data file and transaction data plaintext, and completes the data query.

[0012] Furthermore, when the smart compensation approval contract is triggered, the founding node obtains the corresponding transaction confirmation data file from the smart rubber trading alliance chain based on the insurance data file provided by the smart rubber price insurance alliance chain. Based on the insurance data file and the transaction confirmation data file, the scope of compensation is determined, the compensation procedure is triggered, the compensation amount is transferred to the insured user's account, the processing point completes the compensation transaction confirmation, and the transaction process and results are uploaded to the founding node.

[0013] Furthermore, before setting up the data query approval contract and the smart compensation approval contract, the following steps are also included:

[0014] S201. Establish a smart rubber trading alliance chain, which includes a founding node and an initial node;

[0015] S202. Establish a smart rubber purchasing station. The purchasing station joins the smart rubber trading alliance chain as an initial node. The purchasing station is used to perform real-time rubber detection and complete rubber purchasing transactions. After both parties confirm the transaction data, the transaction data file is uploaded to the consensus site and then the founding site collects the transaction data file.

[0016] S203. The founding node encrypts and uploads the transaction data file uploaded by the acquisition station to the data storage system. The data storage system stores the transaction data file and returns the file fingerprint. The founding node uploads the hash value and file fingerprint of the transaction data file to the smart rubber trading alliance chain.

[0017] S204. Set up a smart transaction contract on the smart rubber trading alliance chain. The smart transaction contract is triggered when the purchasing station and the rubber farmer conduct a transaction.

[0018] Furthermore, when the smart transaction contract is triggered, the smart rubber transaction alliance chain sends the transaction data file to the bank. According to the smart transaction contract, the payment process is initiated, and the transaction funds are transferred to the rubber farmer's transaction account according to the transaction data file. The purchasing station completes the transaction settlement confirmation and uploads the transaction results to the consensus site. The founding node collects the transaction results and encrypts and uploads the collected transaction results to the data storage system. The data storage system stores the transaction results and returns the file fingerprint.

[0019] Furthermore, in step S104, a query record contract is set up on the consortium blockchain. The query record contract is triggered after the user completes the data query. It is used to record the city / county number where the user's query is located, the query time, and the query target type number, generate a corresponding record data file, encrypt the record data file, upload it to the data storage system for storage and obtain the file fingerprint, upload the hash value of the record data file and the file fingerprint to the consortium blockchain for storage, and save the file fingerprint locally on the user's device.

[0020] Furthermore, the identity control contract authenticates the user's identity, specifically including the following steps:

[0021] S301. Determine whether the user is querying for the first time based on the user's historical operation records. If the user is querying for the first time, proceed to step S302; otherwise, proceed to step S303.

[0022] S302. Authenticate the user's identity based on the user's account and password. If the account and password are correct, the authentication will pass. If the account and password are incorrect, the user's identity authentication will fail.

[0023] S303. Determine a first value range based on the user's historical query count, randomly generate a first random number within the first value range, extract a record data file from the historical data file based on the first random number, randomly generate a second random number within the second value range, extract corresponding information from the extracted record data file based on the second random number, input the extracted information into the key generation algorithm to generate a query key, and execute step S304.

[0024] S304. Send the first random number and the second random number to the user and ask the user to upload the query key. After the user uploads the query key, compare the query key uploaded by the user with the query key generated in step S303. If they match, the verification is successful.

[0025] Compared with the prior art, the present invention has the following beneficial effects:

[0026] This invention provides a smart rubber price insurance processing method based on a consortium blockchain. By constructing a smart rubber price insurance consortium blockchain, the insurance data files of rubber farmers are saved to a data storage system, and the hash value and file fingerprint of the insurance data files are saved on the consortium blockchain. This ensures that the insurance data files are not tampered with, and that the insurance process and content are traceable. Data queries and claims are automatically approved by data query approval contracts and smart claims approval contracts. The approval process is open and transparent, effectively preventing data tampering and insurance fraud. At the technical level, this method protects the interests of insurance companies and rubber farmers, and helps maintain the normal operation and sustainable functioning of the rubber insurance business. Attached Figure Description

[0027] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only preferred embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0028] Figure 1 This is a schematic diagram of the overall process of a smart rubber price insurance processing method based on consortium blockchain provided by an embodiment of the present invention. Detailed Implementation

[0029] The principles and features of the present invention are described below with reference to the accompanying drawings. The listed embodiments are only used to explain the present invention and are not intended to limit the scope of the present invention.

[0030] Reference Figure 1 This embodiment provides a smart rubber price insurance processing method based on consortium blockchain, the method including the following steps:

[0031] S101. Establish a smart rubber price insurance consortium blockchain, which includes a founding node and initial nodes. For example, the smart rubber price insurance consortium blockchain can be implemented based on the Hyperledger Fabric framework. Depending on the requirements, other framework components can also be used for the consortium blockchain; this embodiment does not specifically limit this. The founding node is generally a provincial-level insurance company, while the initial nodes can include municipal and county government agencies, banks, insurance companies, and grassroots village committees, etc.

[0032] S102. Establish smart rubber price insurance processing points. These processing points serve as initial nodes in the smart rubber price insurance alliance chain. They are used to process rubber price insurance applications and upload the application data in real time. In this embodiment, insurance companies can establish smart rubber price index insurance processing points based on village committees.

[0033] S103. The founding node encrypts and uploads the insurance application data file uploaded by the processing point to the data storage system. The data storage system stores the insurance application data file and returns the file fingerprint. The founding node uploads the hash value and file fingerprint of the insurance application data file to the consortium blockchain for storage. This allows for subsequent verification by comparing the hash value with the hash value of the downloaded file, thereby ensuring that the uploaded file is preserved intact and has not been tampered with.

[0034] S104. Set up a data query approval contract and a smart compensation approval contract on the consortium blockchain. When a user applies to query data, the data query approval contract is triggered. When a user applies for compensation, the smart compensation approval contract is triggered.

[0035] In this embodiment, the data storage system adopts a layered on-chain and off-chain data system structure, including an interaction layer and a storage layer. Above the interaction layer, which is implemented through a conventional information system, a storage layer is designed, consisting of a consortium blockchain and the IPFS (InterPlanetary File System) system. The interaction layer is mainly used for user interaction, while the storage layer is used for data storage; the two are completely separate. In the storage layer, each node within the consortium blockchain maintains a consensus mechanism to provide services for the verification and storage of system transactions. The distributed file storage system IPFS is used in conjunction with blockchain to store transaction data, and multi-signature notary cross-chain technology is applied to secure data sharing. The decentralized and content-addressable characteristics of the IPFS network ensure that insurance data cannot be illegally modified after being uploaded. By establishing a smart contract, a data transmission and access protocol between the interaction layer and the storage layer is implemented. This allows users to initiate data query requests, verify the data query requests, retrieve the data queried by the user, read the user's key, record the user's operations, and after recording the user's operations, encrypt and convert the user's operation data before recording it on the blockchain and saving it.

[0036] In step S103, the founding node encrypts and uploads the insurance application data file uploaded by the processing point to the distributed file storage system. Before uploading, the distributed file storage system performs a duplicate check on the insurance application data file. If the insurance application data file is not duplicated, it is stored and a file fingerprint is returned. This embodiment uses IPFS combined with consortium blockchain storage to alleviate the pressure of on-chain data storage and high-frequency access.

[0037] On the consortium blockchain, the data query approval contract is created based on an approval procedure. When the data query approval contract is triggered, the approval node calls the identity control contract to authenticate the user applying for the query, and then signs the data query request. When the number of signatures for the data query request reaches a preset threshold, the approval node downloads the corresponding insurance data file and transaction file ciphertext through the smart rubber price insurance consortium blockchain, the smart rubber trading consortium blockchain, and the distributed file storage system, respectively, according to the content of the data query request. Using the proxy re-encryption key provided by the founding node, the ciphertext is re-encrypted, and then the data is transmitted at the interaction layer. The data recipient uses their own private key to decrypt the ciphertext, obtaining the insurance data file and transaction data plaintext, thus completing the data query. In this embodiment, the approval node is a group of trusted nodes with different permission levels elected from the smart rubber price insurance consortium blockchain and the smart rubber trading consortium blockchain.

[0038] When the smart compensation approval contract is triggered, the founding node retrieves the corresponding transaction confirmation data file from the smart rubber trading consortium chain based on the insurance data file provided by the smart rubber price insurance consortium chain. It then determines the scope of compensation based on the insurance data file and the transaction confirmation data file, triggering the compensation procedure. According to the terms of the insurance data file, the compensation is deposited into the insured rubber farmer's account. The processing point completes the compensation transaction confirmation and uploads the transaction process and result to the founding node. The founding node encrypts the transaction process and result before uploading it to the distributed file storage system, and also uploads the hash value of the transaction process and result data file, as well as the file fingerprint returned by the distributed file storage system, to the consortium chain for storage.

[0039] In this embodiment, the smart rubber trading alliance chain is used to store relevant data files of rubber transactions. Before setting the data query approval contract and the smart compensation approval contract, the following steps are also included:

[0040] S201. Establish a smart rubber trading alliance chain, which includes a founding node and initial nodes. In this embodiment, the founding node of the smart rubber trading alliance chain is a provincial-level insurance company, and the initial nodes include government agencies and banks in various cities and counties.

[0041] S202. Establish smart rubber purchasing stations. These stations join the smart rubber trading alliance chain as initial nodes. The purchasing stations are used for real-time rubber monitoring and completing rubber purchasing transactions. After both parties confirm the transaction data, the transaction data files are uploaded to the consensus site, where the founding site aggregates the transaction data files. In this embodiment, the smart rubber purchasing stations can be led by municipal and county governments and established with the assistance of insurance companies. Consensus sites are established according to municipal and county divisions.

[0042] S203. The founding node encrypts and uploads the transaction data file from the acquisition station to the data storage system. The data storage system stores the transaction data file and returns its fingerprint. The founding node then uploads the hash value and fingerprint of the transaction data file to the Smart Rubber Trading Alliance Chain. Upon receiving the transaction data file, the data storage system performs a duplicate check. If no duplicates are found, the data storage system saves the transaction data file.

[0043] S204. Set up a smart transaction contract on the smart rubber trading alliance chain. The smart transaction contract is triggered when the purchasing station and the rubber farmer conduct a transaction.

[0044] In this embodiment, when the smart transaction contract is triggered, the smart rubber transaction alliance chain sends the transaction data file to the bank. According to the smart transaction contract, the payment procedure is initiated, and the transaction funds are transferred to the rubber farmer's transaction account according to the transaction data file. The purchasing station completes the transaction settlement confirmation and uploads the transaction results to the consensus site. The founding node collects the transaction results and encrypts and uploads the collected transaction results to the data storage system. The data storage system stores the transaction results and returns the file fingerprint.

[0045] As a preferred example, in step S104, a query record contract is also set up on the consortium blockchain. This contract is triggered after the user completes a data query and is used to record the city / county number, query time, and query target type number of the user's query, generating a corresponding record data file. The city / county number, query time, and query target type number are all integers. The record data file is encrypted and uploaded to a data storage system for storage, and a file fingerprint is obtained. The hash value and file fingerprint of the record data file are then uploaded to the consortium blockchain for storage, and the file fingerprint is stored locally on the user's device.

[0046] When authenticating a user's identity, the identity control contract includes the following steps:

[0047] S301. Determine whether the user is querying for the first time based on the user's historical operation records. If the user is querying for the first time, proceed to step S302; otherwise, proceed to step S303.

[0048] S302. Verify the user's identity based on the user's account and password. If the account and password are correct, the authentication will pass. If the account and password are incorrect, the user's identity authentication will fail.

[0049] S303. Determine a first value range based on the user's historical query count. Randomly generate a first random number within the first value range. For example, if the user's historical query count is 15, the first value range is 0 to 15. Extract a record data file from the historical data file based on the first random number. Randomly generate a second random number within a second value range, which is 1 to 3. Extract corresponding information from the extracted record data file based on the second random number. In this embodiment, the city / county number, query time, and query target type in the record data file correspond to numbers 1 to 3, respectively. Determine the extracted information based on the number corresponding to the second random number. Input the extracted information into the key generation algorithm to generate a query key, and execute step S304.

[0050] S304. Send the first and second random numbers to the user and request the user to upload a query key. After the user uploads the query key, compare the uploaded query key with the query key generated in step S303. If they match, the verification is successful. After receiving the first and second random numbers, the user node searches for the corresponding file fingerprint locally based on the first random number, retrieves the corresponding query record file from the data storage system using the file fingerprint, extracts the corresponding information from the query record file based on the second random number, inputs the extracted information into the key generation algorithm to generate a query key, and uploads the query key for verification. The identity authentication contract verifies the user's identity after comparing the query key uploaded by the user with the locally generated query key.

[0051] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A method for processing smart rubber price insurance based on consortium blockchain, characterized in that, The method includes the following steps: S101. Establish a smart rubber price insurance alliance chain, wherein the alliance chain includes a founding node and an initial node; S102. Establish a smart rubber price insurance processing point. The processing point joins the smart rubber price insurance alliance chain as an initial node. The processing point is used to process rubber price insurance applications and uploads the application data in real time. S103. The founding node encrypts and uploads the insurance data file uploaded by the processing point to the data storage system. The data storage system stores the insurance data file and returns the file fingerprint. The founding node uploads the hash value and file fingerprint of the insurance data file to the consortium blockchain for storage. S104. Set up a data query approval contract and a smart compensation approval contract on the consortium blockchain. When a user applies to query data, the data query approval contract is triggered. When a user applies for compensation, the smart compensation approval contract is triggered. When the smart claims approval contract is triggered, the founding node obtains the corresponding transaction confirmation data file from the smart rubber trading alliance chain based on the insurance data file provided by the smart rubber price insurance alliance chain. Based on the insurance data file and the transaction confirmation data file, the scope of claims is determined, the claims procedure is triggered, and the claims payment is transferred to the insured user's account. The processing point completes the claims transaction confirmation and uploads the transaction process and results to the founding node.

2. The method for processing smart rubber price insurance based on consortium blockchain according to claim 1, characterized in that, In step S103, the data storage system includes an interaction layer and a storage layer. The interaction layer is used to realize user interaction, realize user data query requests through smart contracts, verify the data query requests, retrieve the data queried by the user, read the user's key, and record the user's operation. The storage layer includes a distributed file storage system and a consortium blockchain.

3. The method for processing smart rubber price insurance based on consortium blockchain according to claim 2, characterized in that, In step S103, the founding node encrypts and uploads the insurance data file uploaded by the processing point to the distributed file storage system. Before uploading, the distributed file storage system performs a duplicate check on the insurance data file, stores the non-duplicate insurance data file, and returns the file fingerprint.

4. The method for processing smart rubber price insurance based on consortium blockchain according to claim 3, characterized in that, When the data query approval contract is triggered, the approval node calls the identity control contract to authenticate the user applying for the query and then signs the data query request. When the number of signatures for the data query request reaches a preset threshold, the approval node downloads the corresponding insurance data file and transaction file ciphertext through the smart rubber price insurance alliance chain, the smart rubber trading alliance chain, and the distributed file storage system, respectively, according to the content of the data query request. Using the proxy re-encryption key provided by the founding node, the ciphertext is re-encrypted and then transmitted at the interaction layer. The data receiver uses its own private key to decrypt the ciphertext, obtains the insurance data file and transaction data plaintext, and completes the data query.

5. A method for processing smart rubber price insurance based on a consortium blockchain according to claim 1 or 4, characterized in that, Before setting up the data query approval contract and the smart compensation approval contract, the following steps are also included: S201. Establish a smart rubber trading alliance chain, which includes a founding node and an initial node; S202. Establish a smart rubber purchasing station. The purchasing station joins the smart rubber trading alliance chain as an initial node. The purchasing station is used to perform real-time rubber detection and complete rubber purchasing transactions. After both parties confirm the transaction data, the transaction data file is uploaded to the consensus site and then the founding site collects the transaction data file. S203. The founding node encrypts and uploads the transaction data file uploaded by the acquisition station to the data storage system. The data storage system stores the transaction data file and returns the file fingerprint. The founding node uploads the hash value and file fingerprint of the transaction data file to the smart rubber trading alliance chain. S204. Set up a smart transaction contract on the smart rubber trading alliance chain. The smart transaction contract is triggered when the purchasing station and the rubber farmer conduct a transaction.

6. The method for processing smart rubber price insurance based on consortium blockchain according to claim 5, characterized in that, When the smart transaction contract is triggered, the smart rubber transaction alliance chain sends the transaction data file to the bank. According to the smart transaction contract, the payment procedure is initiated, and the transaction funds are transferred to the rubber farmer's transaction account according to the transaction data file. The purchasing station completes the transaction settlement confirmation and uploads the transaction results to the consensus site. The founding node collects the transaction results and encrypts and uploads the collected transaction results to the data storage system. The data storage system stores the transaction results and returns the file fingerprint.

7. The method for processing smart rubber price insurance based on consortium blockchain according to claim 4, characterized in that, In step S104, a query record contract is also set on the consortium blockchain. The query record contract is triggered after the user completes the data query. It is used to record the city / county number where the user's query is located, the query time, and the query target type number, generate the corresponding record data file, encrypt the record data file and upload it to the data storage system for storage and obtain the file fingerprint, upload the hash value of the record data file and the file fingerprint to the consortium blockchain for storage, and save the file fingerprint locally on the user's device.

8. The method for processing smart rubber price insurance based on consortium blockchain according to claim 7, characterized in that, The identity control contract authenticates the user's identity, specifically including the following steps: S301. Determine whether the user is querying for the first time based on the user's historical operation records. If the user is querying for the first time, proceed to step S302; otherwise, proceed to step S303. S302. Authenticate the user's identity based on the user's account and password. If the account and password are correct, the authentication will pass. If the account and password are incorrect, the user's identity authentication will fail. S303. Determine a first value range based on the user's historical query count, randomly generate a first random number within the first value range, extract a record data file from the historical data file based on the first random number, randomly generate a second random number within the second value range, extract corresponding information from the extracted record data file based on the second random number, input the extracted information into the key generation algorithm to generate a query key, and execute step S304. S304. Send the first random number and the second random number to the user and ask the user to upload the query key. After the user uploads the query key, compare the query key uploaded by the user with the query key generated in step S303. If they match, the verification is successful.

Images