Blockchain-based data processing method and apparatus

Abstract

One or more embodiments of the specification provide a blockchain-based data processing method and device, applied to a blockchain network including a business platform node device, a user client and a business provider client; a distributed database of the blockchain stores a business proxy contract signed by the business platform and the business provider, the business proxy contract corresponds to a unique identification code; the business platform node device is configured with at least one piece of business service data corresponding to the business proxy contract; the method comprises: the business platform node device sends business display data and the identification code of the business proxy contract corresponding to the at least one piece of business service data to the user client; receives a target order sent by the user client, the target order includes identification information of target business service data selected by the user; and executes a preset business acceptance logic.

Description

Technical Field

[0001] This specification relates to the field of data processing technology, and in particular to a data processing method and apparatus based on blockchain. Background Technology

[0002] Blockchain technology, also known as distributed ledger technology, is an emerging technology in which multiple computing devices jointly participate in "accounting" and maintain a complete distributed database. Due to its decentralized, transparent, and database-driven characteristics, allowing each computing device to participate in recording data and enabling rapid data synchronization between devices, blockchain technology has been widely applied in numerous fields. Summary of the Invention

[0003] In view of the above, one or more embodiments of this specification provide a data processing method, apparatus, computer device, and computer-readable storage medium based on blockchain.

[0004] To achieve the above objectives, one or more embodiments of this specification provide a blockchain-based data processing method applied to a blockchain network including a business platform node device, a user client, and a business provider client. The user client and the business provider client are communicatively connected to the business platform node device. The distributed database of the blockchain stores business agency contracts signed by the business platform and the business provider, each business agency contract corresponding to a unique identifier. The business platform node device is configured with at least one set of business service data corresponding to the business agency contract. The method is executed by the business platform node device and includes:

[0005] Send service display data to the user client. The service display data includes identification information of at least one piece of service data and an identification code of the service agency contract corresponding to the at least one piece of service data.

[0006] Receive the target order sent by the user client, the target order including the identification information of the target business service data selected by the user, and the identification code of the target business agency contract corresponding to the target business service data;

[0007] Based on the target business agency contract and the target business service data, execute the preset business acceptance logic.

[0008] In yet another embodiment shown, the business agency contract includes digital signatures made by the platform node device and the business provider client.

[0009] In yet another embodiment shown, the business agency contract is a smart contract deployed on the blockchain.

[0010] In another embodiment, the target business agency contract includes business features that the business platform can act as an agent for; the target business service data includes target business features provided by the business platform; and the execution of the preset business acceptance logic includes:

[0011] Verify whether the target business feature content included in the target business service data is consistent with the business feature content that can be represented by the target business agency contract.

[0012] In yet another embodiment, verifying whether the target business feature content included in the target business service data is consistent with the business feature content that the target business agency contract can represent includes:

[0013] The smart contract for business service data verification is invoked, and the business service data verification logic declared in the smart contract is executed to verify whether the target business feature content included in the target business service data is consistent with the business feature content that the target business proxy contract can proxy.

[0014] In yet another embodiment shown, the blockchain is a consortium blockchain, and the business platform node device is a consortium member node device.

[0015] In another embodiment shown, the business platform node device is an insurance platform node device; the user client is an insured user client; the business provider client is an insurance provider client; the business agency contract is an insurance policy agency contract; the business service data is insurance policy data; and the preset business acceptance logic is insurance application acceptance logic.

[0016] In another embodiment shown, the business platform node device is an insurance platform node device; the user client is an insured user client; the business provider client is an insurance provider client; the business agency contract is an insurance policy agency contract; the business service data is policy terms data; the business features include premium, insured amount, or risk content; and the preset business acceptance logic is an insurance application acceptance logic.

[0017] Accordingly, this specification also provides a blockchain-based data processing device applied to a blockchain network including a business platform node device, a user client, and a business provider client, wherein the user client and the business provider client are communicatively connected to the business platform node device; the distributed database of the blockchain stores business agency contracts signed by the business platform and the business provider, each business agency contract corresponding to a unique identifier; the business platform node device is configured with at least one set of business service data corresponding to the business agency contract; the device is applied to the business platform node device and includes:

[0018] The sending unit is used to send service display data to the user client. The service display data includes identification information of at least one piece of service data and identification code of the service agent contract corresponding to the at least one piece of service data.

[0019] The receiving unit is used to receive the target order sent by the user client. The target order includes the identification information of the target business service data selected by the user and the identification code of the target business agency contract corresponding to the target business service data.

[0020] The execution unit executes preset business acceptance logic based on the target business agency contract and the target business service data.

[0021] In yet another embodiment shown, the business agency contract includes digital signatures made by the platform node device and the business provider client.

[0022] In yet another embodiment shown, the business agency contract is a smart contract deployed on the blockchain.

[0023] In yet another embodiment, the target business agency contract includes business characteristics that the business platform can act as an agent for, and the execution unit is further configured to:

[0024] Verify whether the business characteristics of the target business service data are consistent with the business characteristics that the target business agency contract can represent.

[0025] In yet another embodiment, verifying whether the business characteristics of the target business service data are consistent with the business characteristics that the target business agency contract can represent includes:

[0026] The business service data verification smart contract is invoked, and the business service data verification logic declared in the smart contract is executed to verify whether the business feature content of the target business service data is consistent with the business feature content that the target business proxy contract can proxy.

[0027] In yet another embodiment shown, the blockchain is a consortium blockchain, and the business platform node device is a consortium member node device.

[0028] In another embodiment shown, the business platform node device is an insurance platform node device; the user client is an insured user client; the business provider client is an insurance provider client; the business agency contract is an insurance policy agency contract; the business service data is insurance policy data; and the preset business acceptance logic is insurance application acceptance logic.

[0029] In another embodiment shown, the business platform node device is an insurance platform node device; the user client is an insured user client; the business provider client is an insurance provider client; the business agency contract is an insurance policy agency contract; the business service data is policy terms data; the business features include premium, insured amount, or risk content; and the preset business acceptance logic is an insurance application acceptance logic.

[0030] Accordingly, this specification also provides a computer device, including: a memory and a processor; the memory stores a computer program that can be executed by the processor; when the processor runs the computer program, it performs a data processing method as executed by a business platform node device.

[0031] Accordingly, this specification also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, performs a data processing method as executed by a business platform node device.

[0032] As can be seen from the above technical solutions, the blockchain-based data processing method and apparatus provided in this specification store the business agency contract signed between the business platform and the business provider in the distributed database of the blockchain. Based on the anti-tampering mechanism of the blockchain, the business agency contract is preserved as evidence, thereby providing content evidence for whether the business service data provided by the business platform complies with the provisions of the business agency contract. Compared with signing the business agency contract with the business provider offline, this method reduces labor costs and improves execution efficiency for signing the business agency contract and for the application of the business platform based on the business agency contract. Attached Figure Description

[0033] Figure 1 This is a flowchart illustrating a blockchain-based data processing method provided in one embodiment of this specification.

[0034] Figure 2 A schematic diagram illustrating the application of a blockchain-based data processing method to insurance business, provided in this specification;

[0035] Figure 3 A schematic diagram of a blockchain-based insurance application device applied to an insurance platform node device, as provided in one embodiment of this specification;

[0036] Figure 4 This is a hardware structure diagram for running an embodiment of the blockchain-based insurance application device provided in this specification. Detailed Implementation

[0037] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numerals in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with one or more embodiments of this specification. Rather, they are merely examples of apparatuses and methods consistent with some aspects of one or more embodiments of this specification as detailed in the appended claims.

[0038] It should be noted that the steps of the corresponding methods are not necessarily performed in the order shown and described in this specification in other embodiments. In some other embodiments, the methods may include more or fewer steps than described in this specification. Furthermore, a single step described in this specification may be broken down into multiple steps in other embodiments; and multiple steps described in this specification may be combined into a single step in other embodiments.

[0039] In existing platform-based insurance underwriting scenarios, insurance platform operators typically need to sign offline policy agency contracts (or insurance product agency contracts) with insurance companies to provide agency authority and reasonable support for the insurance content of policies offered to users on the platform. These offline policy agency contracts lack structured data, resulting in low efficiency. Furthermore, verifying or querying offline contract data requires manual work by staff, and the scattered contract data is difficult to centralize, hindering abstraction or modeling and making its use inconvenient.

[0040] In view of this, in one embodiment shown in this specification, a blockchain-based data processing method is provided, applied to a blockchain network including a business platform node device, a user client, and a business provider client, wherein the user client and the business provider client are communicatively connected to the business platform node device; the distributed database of the blockchain stores a business agency contract signed by the business platform and the business provider, and the business agency contract corresponds to a unique identification code; the business platform node device is configured with at least one set of business service data corresponding to the business agency contract.

[0041] The blockchain network described in one or more embodiments of this specification specifically refers to a P2P network system with a distributed data storage structure, where each node device reaches a consensus mechanism. Data within this blockchain is distributed across sequentially linked "blocks," with each subsequent block containing a data digest of the previous block. Depending on the specific consensus mechanism (such as POW, POS, DPOS, or PBFT), full data backup is achieved for all or some nodes. As is well known to those skilled in the art, because blockchain network systems operate under corresponding consensus mechanisms, data already recorded in the blockchain database is difficult for arbitrary nodes to tamper with. For example, a blockchain using PoW consensus would require an attack of at least 51% of the network's computing power to potentially tamper with existing data. Therefore, blockchain systems possess data security and attack / tamper resistance characteristics unmatched by other centralized database systems. Thus, data recorded in the distributed database of the blockchain cannot be attacked or tampered with, thereby ensuring the authenticity and reliability of the data information stored in the distributed database of the blockchain.

[0042] Examples of blockchain networks can include public blockchain networks, private blockchain networks, and consortium blockchain networks. Although the term blockchain is often associated with the Bitcoin cryptocurrency network, the blockchain used in this article can refer to a DLS (Distributed Ledger System) without referring to any specific use case.

[0043] In public blockchain networks, the consensus process is controlled by the nodes of the consensus network. For example, hundreds, thousands, or even millions of entities can collaborate in a public blockchain network, with each entity operating at least one node. Therefore, a public blockchain network can be considered a public network relative to the participating entities. Example public blockchain networks include the Bitcoin network, a peer-to-peer payment network. The Bitcoin network utilizes a distributed ledger, referred to as a blockchain. However, as mentioned above, the term blockchain is generally used to refer to any distributed ledger without specifically referencing the Bitcoin network.

[0044] Typically, public blockchain networks support public transactions. Public transactions are shared with all nodes within the public blockchain network and stored in the global blockchain. The global blockchain is a blockchain replicated across all nodes. That is, for the global blockchain, all nodes are in a completely consistent state. To achieve consensus (e.g., agreeing to add a block to the blockchain), a consensus protocol is implemented within the public blockchain network. Example consensus protocols include, but are not limited to, Proof-of-Work (PoW) implemented in the Bitcoin network.

[0045] Typically, private blockchain networks are granted access to a specific entity, which centrally controls read and write permissions. This entity controls which nodes are allowed to participate in the blockchain network. Therefore, private blockchain networks are often referred to as permissioned networks, which impose restrictions on who is allowed to participate in the network and their level of participation (e.g., only in certain transactions). Various types of access control mechanisms can be used (e.g., existing participants vote to add new entities, and regulatory bodies can control admissions).

[0046] Typically, consortium blockchain networks are private among the participating entities. In a consortium blockchain network, the consensus process is controlled by an authorized set of nodes (consortium member nodes), one or more of which are operated by the respective entities (e.g., enterprises). For example, a consortium of ten (10) entities (e.g., enterprises) can operate a consortium blockchain network, with each entity operating at least one node in the network. Therefore, a consortium blockchain network can be considered a private network in terms of the participating entities. In some examples, each entity (node) must sign each block to make it valid and add the valid block to the blockchain. In some examples, at least a subset of the entities (nodes) (e.g., at least 7 entities) must sign each block to make it valid and add the valid block to the blockchain.

[0047] It can be expected that the implementation methods provided in this specification can be implemented in any suitable type of blockchain network.

[0048] The nodes (or node devices) described in one or more embodiments of this specification refer to those that can join the blockchain by following the corresponding node protocol and running the node protocol program, thus becoming nodes of the blockchain. Those skilled in the art typically refer to node devices with a full backup of the blockchain distributed database as full nodes, and node devices with partial backups of the blockchain distributed database (such as only block header data) as light nodes, etc. In one or more embodiments of this specification, the node type of the aforementioned business platform node devices is not limited. This specification also does not limit the number of aforementioned business platform node devices; the business platform may correspond to one device terminal or server, or multiple device terminals or servers, to serve as node devices for the aforementioned blockchain.

[0049] The business platform described in one or more embodiments of this specification refers to a network platform that provides business service acceptance or notification to users; the users of the aforementioned business platform include users who receive the aforementioned business services; the aforementioned business providers include entities that provide or support business services to the users of the aforementioned business platform through the aforementioned network platform, generally organizational entities; the corresponding clients of the users and business providers of the aforementioned business platform are all communicatively connected to the business platform node devices. The "business service data" described in one or more embodiments of this specification can be regarded as data (such as the digital representation of a business contract) provided by the business platform to the platform users to represent the consensus reached between the business providers and the platform users regarding the aforementioned business services.

[0050] In one or more embodiments provided in this specification, the user entities and service providers of the aforementioned business platform join the aforementioned blockchain network by running a client installation program on their terminals. This client installation program can be an installation program for a blockchain node device. Accordingly, this client also acts as a node device of the aforementioned blockchain, initiating data acquisition requests to neighboring node devices (such as the aforementioned business platform node device) when backing up a copy of the blockchain's distributed database, or publishing data on the blockchain by broadcasting data to neighboring node devices. Alternatively, the client installation program can be a blockchain user client program with controlled access, connected to a consortium member node device (such as the aforementioned business platform node device) in the consortium blockchain chain. Accordingly, this client, lacking direct access to the blockchain's distributed database, is generally not used as a node in the aforementioned blockchain and needs to make authorized data requests to one or more consortium member nodes connected to it. This specification does not limit whether the aforementioned user client or service provider client is a node device of the aforementioned blockchain.

[0051] The "business agency contract" mentioned in one or more embodiments of this specification includes paper-based (electronic) business agency contracts and electronic business agency contracts signed between the business platform and the business provider. These contracts provide proof of agency authority or compliance for the business service data provided by the business platform, preventing the business platform from being unauthorized to act as an agent for the aforementioned business services, or from providing business service data whose content does not conform to the provisions of the business agency contract. Each business agency contract has a unique identifier in the distributed database of the blockchain. This identifier can be assigned by the business platform to the business agency contract, or it can be determined by the content of the business agency contract, for example, using the hash digest of the business agency contract as the identifier. By using the "identifier-business agency contract" relational storage method, the key fields of the business agency contract are easily extracted, queried, or used.

[0052] The aforementioned business agency contract can be stored in the distributed database of the blockchain as the content or part of a "transaction". A transaction described in one or more embodiments of this specification refers to a piece of data created through a blockchain node device and ultimately published to the distributed database of the blockchain. Transactions in the blockchain can be divided into narrow and broad definitions. A narrowly defined transaction refers to a value transfer published by a user to the blockchain; for example, in the traditional Bitcoin blockchain network, a transaction can be a transfer initiated by a user on the blockchain. A broadly defined transaction refers to business service data with business intent published by a user entity to the blockchain through a node. The transaction including the content of the business agency contract described in this embodiment can contain the original or encrypted text of the aforementioned business agency contract to serve as evidence of the content of the business agency contract, or it can contain the "digital fingerprint" of the content of the aforementioned business agency contract—that is, the hash digest of the aforementioned business agency contract—as evidence data. Based on the blockchain's anti-tampering mechanism, it serves to serve as evidence of the aforementioned business agency contract.

[0053] In practical business applications, the blockchain network described in one or more embodiments of this specification can be structured as a consortium blockchain. The business platform node devices, as consortium member node devices, send notarized transactions containing the business agency contracts to the consortium blockchain. Compared to public blockchains, consortium blockchains typically employ highly efficient consensus algorithms, meeting the demands of high-frequency transactions, such as notarized transactions of business agency contracts generated by frequent signings between business providers and business platforms due to the diverse business services offered by business providers. Furthermore, the consensus latency is very low, essentially meeting real-time processing requirements, enabling rapid and real-time inclusion of the notarized transactions in newly generated blocks of the blockchain. Moreover, using trusted nodes in the consortium blockchain network (such as nodes corresponding to business platforms or government agencies) as pre-selected ledger nodes balances security and stability. Additionally, consortium blockchain consensus algorithms (such as PBFT) typically do not consume excessive computing resources and do not necessarily require token circulation, thus offering good usability.

[0054] To facilitate compliance operations such as verification and correction of the business service data provided to users by the business platform provider, the business platform node devices are configured to correspond the business service data with the aforementioned business agency contracts. The correspondence between the aforementioned business service data and business agency contracts can be a one-to-one correspondence or a many-to-one correspondence; this specification does not impose any limitations on this.

[0055] In one illustrated implementation, the aforementioned business agency contract includes digital signatures made by the business platform node device and the business provider client, thereby preventing other organizations or users from impersonating either party to forge the contract and providing further assurance for the legality and compliance of the aforementioned business agency contract.

[0056] In yet another illustrated embodiment, the aforementioned business agency contract is a smart contract deployed on the aforementioned blockchain. To further provide background to the embodiments of this specification, applications can be developed, tested, and deployed to execute within a blockchain network. Example applications may include, but are not limited to, smart contracts. A smart contract can be described as a digital representation of a real-world legal contract with contractual terms affecting the parties involved, such as the business agency contract provided in this embodiment. Smart contracts are implemented, stored, updated (as needed), and executed within the blockchain network. The contracting parties associated with the smart contract (e.g., buyer and seller) are represented as nodes in the blockchain network.

[0057] In some examples, smart contracts can store data that can be used to record information, facts, relationships, balances, and any other information required to implement the contract's execution logic. For instance, the business proxy contract provided in this embodiment can record specific business characteristics to reflect the key characteristic data of the aforementioned business proxy contract. A smart contract can be described as a computer-executable program composed of functions, where instances of the smart contract can be created and functions can be called to execute the smart contract's logic.

[0058] Technically, smart contracts can be implemented based on objects and object-oriented classes. For example, the terms and components of a smart contract can be represented as objects processed by the application implementing the smart contract. A smart contract (or an object within a smart contract) can call another smart contract (or an object within the same smart contract) just like any other object-oriented object. For example, calls made by objects can be calls to create, update, delete, propagate, or communicate with objects of another class. Calls between objects can be implemented using functions, methods, application programming interfaces (APIs), or other calling mechanisms. For example, a first object can call a function to create a second object.

[0059] Therefore, based on the above description of smart contracts, in this embodiment, the logic for the business platform and the business provider to sign the business agency contract can be written as smart contract code and deployed on the blockchain after consensus verification. The signing or querying of the business agency contract is completed through the call transaction of the smart contract by the business platform node device or the business provider client. Those skilled in the art should know that the execution logic of this smart contract, verified by the consensus of the blockchain node device, has advantages such as high execution efficiency (it can be executed at any time upon triggering a call transaction containing encrypted data), accurate execution (the execution result is verified by blockchain consensus), low risk of human intervention (the code executed by the smart contract is verified by blockchain consensus to prevent tampering), and low operating costs (such as labor costs). Thus, it automatically notifies both the logic of the business agency contract signing between the two parties and the content of the business agency contract signed by the two parties.

[0060] like Figure 1 As shown, the blockchain-based data processing method provided in this embodiment includes:

[0061] Step 102: The business platform node device sends business display data to the user client. The business display data includes identification information of at least one set of business service data and identification code of the business agency contract corresponding to the at least one set of business service data.

[0062] The identification information of the aforementioned business service data may include the entire content of the business service data, or identification codes such as the encoding sequence number of the business service data, so as to facilitate user clients to obtain and view the content information of the business service data, and select the target business service data from at least one set of business service data.

[0063] Step 104: Receive the target order sent by the user client. The target order includes the identification information of the target business service data selected by the user and the identification code of the target business agency contract corresponding to the target business service data.

[0064] Step 106: Based on the target business agency contract and the target business service data, execute the preset business acceptance logic.

[0065] The business acceptance logic described in the above embodiments may include business acceptance processes such as obtaining or transmitting user information, reviewing the target business service selected by the user, or signing the target business service contract.

[0066] In another embodiment, the target business agency contract includes business features that the business platform can represent; the target business service data includes target business features provided by the business platform; and the execution of the preset business acceptance logic includes: verifying whether the target business features included in the target business service data are consistent with the business features that the target business agency contract can represent.

[0067] In the embodiments described above, the target business agency contract is a digital contract or a contract that can be digitized (for example, when the target business agency contract is a paper contract in digital image format, the digital contract can be obtained through text recognition or other methods); the business platform can perform data operations such as querying, extracting, and comparing the data content of the target business agency contract. Therefore, by comparing the target business feature content of the target business service data provided by the business platform with the business feature content that the target business agency contract can represent, it can be verified whether the two business feature contents are consistent, thereby concluding whether the target business service data conforms to the agreement of the target business agency contract or whether the target business service data is valid, avoiding the need for manual verification of the target business data content in the existing business acceptance process.

[0068] Since the target business agency contract is a digital contract or a digitizable contract in the above embodiments of this specification, the process of verifying whether the target business feature content of the target business service data is consistent with the business feature content that the target business agency contract can represent can be executed by a computer-executable program. In one illustrated embodiment, the above process can be performed by calling a business service data verification smart contract, executing the business service data verification logic declared by the smart contract, and verifying whether the target business feature content included in the target business service data is consistent with the business feature content that the target business agency contract can represent.

[0069] Optionally, the aforementioned business service data verification smart contract can be the same contract as the smart contract corresponding to the business agent contract. That is, the corresponding business service data verification logic is deployed in the smart contract corresponding to the aforementioned business agent contract. By calling the aforementioned business agent smart contract, the verification of the target business service data can be completed.

[0070] Specifically, the blockchain-based data processing method provided in one or more embodiments of this specification can be applied to the field of insurance underwriting, whereby the business platform node device is the insurance platform node device; the user client is the insured user client; the business provider client is the insurance provider client; the business agency contract is the policy agency contract; the business service data is the policy terms data; and the preset business acceptance logic is the insurance underwriting acceptance logic.

[0071] The aforementioned insurance platform refers to a user-facing online platform that provides insurance application services; the insured users of the aforementioned insurance platform are individuals or organizations that purchase or sign insurance products or policies on the aforementioned insurance platform; the aforementioned insurance providers are organizations that provide insurance services to insured users through the insurance platform; the corresponding clients of both the insured users and the insurance providers are communicatively connected to the node devices of the insurance platform. The "policy" described in one or more embodiments of this specification is a digital representation of the insurance contract to be signed between the insurance provider and the insured user.

[0072] The aforementioned "insurance agency agreement" includes paper (electronic) and electronic contracts signed between the insurance platform and the insurance provider. These agreements serve as proof of compliance for the insurance products or policies offered by the insurance platform, preventing the platform from acting as an agent without authorization or from allowing the platform to act as an agent for policies whose content does not conform to the terms of the agency agreement. Each agency agreement has a unique identifier in the blockchain's distributed database. This identifier can be assigned by the insurance platform or determined by the agency agreement itself, for example, by using the hash digest of the agency agreement. By storing the agency agreement in a relational manner using the "identifier-agency agreement" structure, the extraction, querying, and use of key fields within the agency agreement are facilitated.

[0073] Therefore, as Figure 2 As shown, the blockchain-based insurance application processing method executed by the aforementioned insurance platform's node devices includes:

[0074] Step 201: Send policy display data to the user client. The policy display data includes identification information of at least one policy and identification code of the policy agency contract corresponding to the at least one policy.

[0075] The identification information of the aforementioned insurance policy may include the entire contents of the policy or identification codes such as the policy serial number, so as to facilitate the policyholder's client to obtain and view the contents of the policy and select the target policy to be insured from at least one policy.

[0076] Step 202: Receive the target order sent by the insured user's client. The target order includes the identification information of the target policy selected by the user and the identification code of the target policy agency contract corresponding to the target policy.

[0077] Step 203: Based on the target policy agency contract and the target, execute the preset application acceptance logic.

[0078] The above-mentioned insurance application processing logic may include the insurance application process, such as obtaining or transmitting the insured's information, underwriting the insured, accepting the underwriting results, or signing the insurance contract.

[0079] In yet another embodiment shown, the business agency contract includes digital signatures made by the platform node device and the business provider client.

[0080] In yet another embodiment shown, the business agency contract is a smart contract deployed on the blockchain.

[0081] In one illustrated embodiment, the target policy agency contract includes policy features that the insurance platform can represent. These policy features reflect key policy information, such as premium, sum assured, or risk details. In the embodiments described above, the target policy agency contract is a digital contract or a digitizable contract (e.g., when the target policy agency contract is a paper contract in digital image format, the digital contract can be obtained through text recognition). The insurance platform can perform data operations such as querying, extracting, and comparing the data content of the target policy agency contract. Therefore, by comparing the policy features of the target policy provided by the insurance platform with the policy features that the target policy agency contract can represent, it can be verified whether the two policy features are consistent, thereby determining whether the target policy meets the stipulations of the target agency contract or whether the target policy is valid. This avoids the need for manual verification of the target policy content in the existing insurance application process.

[0082] Since the target policy agency contract is a digital contract or a digitizable contract in the embodiments described above, the process of verifying whether the policy characteristics of the target policy are consistent with the policy characteristics that the target policy agency contract can represent can be executed by a computer-executable program. In one illustrated embodiment, the above process can be performed by calling a policy verification smart contract, executing the policy verification logic declared in the smart contract, and verifying whether the policy characteristics of the target policy are consistent with the policy characteristics that the target policy agency contract can represent.

[0083] Optionally, the aforementioned policy verification smart contract can be the same contract as the smart contract corresponding to the policy agency contract. That is, the corresponding policy verification logic is deployed in the smart contract corresponding to the policy agency contract. By calling the aforementioned policy agency smart contract, the verification of the target policy can be completed.

[0084] Corresponding to the above process implementation, the embodiments of this specification also provide a blockchain-based data processing device 30. Device 30 can be implemented through software, hardware, or a combination of both. Taking software implementation as an example, as a logical device, it is formed by the CPU (Central Processing Unit) of the device loading the corresponding computer program instructions into memory for execution. From a hardware perspective, besides... Figure 4 In addition to the CPU, memory, and storage shown, the device containing the above-mentioned components typically includes other hardware such as chips for wireless signal transmission and reception, and / or other hardware such as boards for implementing network communication functions.

[0085] like Figure 3 As shown, this specification also provides a blockchain-based data processing device 30, applied to a blockchain network including a business platform node device, a user client, and a business provider client. The user client and the business provider client are communicatively connected to the business platform node device. The distributed database of the blockchain stores business agency contracts signed by the business platform and the business provider, and each business agency contract corresponds to a unique identification code. The business platform node device is configured with at least one set of business service data corresponding to the business agency contract. The device 30 is applied to the business platform node device and includes:

[0086] The sending unit 302 is used to send service display data to the user client. The service display data includes identification information of at least one set of service data and identification code of the service agency contract corresponding to the at least one set of service data.

[0087] The receiving unit 304 is used to receive the target order sent by the user client. The target order includes the identification information of the target business service data selected by the user and the identification code of the target business agency contract corresponding to the target business service data.

[0088] The execution unit 306 executes preset business acceptance logic based on the target business agency contract and the target business service data.

[0089] In yet another embodiment shown, the business agency contract includes digital signatures made by the platform node device and the business provider client.

[0090] In yet another embodiment shown, the business agency contract is a smart contract deployed on the blockchain.

[0091] In yet another embodiment, the target business agency contract includes business characteristics that the business platform can act as an agent for, and the execution unit 306 is further configured to:

[0092] Verify whether the business characteristics of the target business service data are consistent with the business characteristics that the target business agency contract can represent.

[0093] In yet another embodiment, verifying whether the business characteristics of the target business service data are consistent with the business characteristics that the target business agency contract can represent includes:

[0094] The business service data verification smart contract is invoked, and the business service data verification logic declared in the smart contract is executed to verify whether the business feature content of the target business service data is consistent with the business feature content that the target business proxy contract can proxy.

[0095] In yet another embodiment shown, the blockchain is a consortium blockchain, and the business platform node device is a consortium member node device.

[0096] In another embodiment shown, the business platform node device is an insurance platform node device; the user client is an insured user client; the business provider client is an insurance provider client; the business agency contract is an insurance policy agency contract; the business service data is insurance policy data; and the preset business acceptance logic is insurance application acceptance logic.

[0097] In another embodiment shown, the business platform node device is an insurance platform node device; the user client is an insured user client; the business provider client is an insurance provider client; the business agency contract is an insurance policy agency contract; the business service data is policy terms data; the business features include premium, insured amount, or risk content; and the preset business acceptance logic is an insurance application acceptance logic.

[0098] For details on the implementation process of the functions and roles of each unit in the above-mentioned device 30, please refer to the implementation process of the corresponding steps in the blockchain-based data processing method executed by the above-mentioned business platform node device. For relevant details, please refer to the description of the method embodiment, which will not be repeated here.

[0099] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical modules; that is, they may be located in one place or distributed across multiple network modules. Some or all of the units or modules can be selected to achieve the purpose of the solution described in this specification, depending on actual needs. Those skilled in the art can understand and implement this without any inventive effort.

[0100] The devices, units, and modules described in the above embodiments can be implemented by computer chips or physical entities, or by products with certain functions. A typical implementation device is a computer, which can take the form of a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email sending and receiving device, game console, tablet computer, wearable device, or any combination of these devices.

[0101] Corresponding to the above method embodiments, embodiments of this specification also provide a computer device, such as... Figure 4 As shown, the computer device includes a memory and a processor. The memory stores a computer program that can be executed by the processor; when the processor runs the stored computer program, it executes the various steps of the blockchain-based data processing method performed by the business platform node device described in the embodiments of this specification. For a detailed description of each step of the blockchain-based data processing method performed by the business platform node device, please refer to the previous content, which will not be repeated here.

[0102] Corresponding to the above-described method embodiments, this specification also provides a computer-readable storage medium storing computer programs. When run by a processor, these computer programs execute the various steps of the blockchain-based data processing method performed by the business platform node device described in the embodiments of this specification. For a detailed description of each step of the blockchain-based data processing method performed by the business platform node device, please refer to the previous content, which will not be repeated here.

[0103] The above description is merely a preferred embodiment of this specification and is not intended to limit this specification. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of protection of this specification.

[0104] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0105] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0106] Computer-readable media, including both permanent and non-permanent, removable and non-removable media, can store information using any method or technology. Information can be computer-readable instructions, data structures, program modules, or other data.

[0107] Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transient media, such as modulated data signals and carrier waves.

[0108] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0109] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification can take the form of entirely hardware embodiments, entirely software embodiments, or embodiments combining software and hardware aspects. Furthermore, the embodiments of this specification can take the form of computer program products implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

Claims

1. A blockchain-based data processing method, wherein a business agency contract signed by a business platform party and a business provider is stored in a distributed database of the blockchain; the business platform party node device is configured with at least one piece of business service data corresponding to the business agency contract; wherein, The business agency contract includes the business characteristics that the business platform can act as an agent for; The business service data includes business feature content provided by the business platform provider; The method is executed by the node device of the business platform and includes: Receive a target order sent by a user client; wherein the target order is used to instruct the user to select target business service data from the at least one set of business service data, and the target business agency contract corresponding to the target business service data; The smart contract deployed on the blockchain is invoked to execute the verification logic declared in the smart contract, verifying whether the target business feature content included in the target business service data is consistent with the business feature content that the target business proxy contract can proxy.

2. The method according to claim 1, further comprising: If the target business service data includes target business characteristics that are consistent with the business characteristics that the target business agency contract can represent, then the preset business acceptance logic is executed.

3. The method according to claim 1, wherein the target order comprises: The identification information of the target business service data and the identification code of the target business agency contract; Before receiving the target order sent by the user client, the method further includes: Send service display data to the user client; wherein the service display data includes the identification information of the at least one piece of service data and the identification code of the service agency contract.

4. The method according to claim 1, wherein the business agency contract includes a digital signature made by the business platform node device and the business provider client.

5. The method according to claim 1, wherein the blockchain is a consortium blockchain, and the business platform node device is a consortium member node device.

6. The method according to claim 1, wherein the business platform node device is an insurance platform node device; the user client is an insured user client; the business provider is an insurance provider; the business agency contract is an insurance policy agency contract; the business service data is insurance policy data; and the business features include premium, sum insured, or risk content.

7. A blockchain-based data processing device, wherein the distributed database of the blockchain stores business agency contracts signed between a business platform provider and a business provider; the business platform provider's node devices are configured with at least one set of business service data corresponding to the business agency contracts; wherein, The business agency contract includes the business characteristics that the business platform can act as an agent for; The business service data includes business feature content provided by the business platform provider; The device is applied to the business platform node device and includes: A receiving unit is configured to receive a target order sent by a user client; wherein the target order is configured to instruct the user to select target business service data from the at least one set of business service data, and a target business agency contract corresponding to the target business service data; The verification unit is used to call the smart contract deployed on the blockchain, execute the verification logic declared by the smart contract, and verify whether the target business feature content included in the target business service data is consistent with the business feature content that the target business proxy contract can proxy.

8. A computer device, comprising: Memory and processor; The memory stores computer programs that can be executed by the processor; When the processor runs the computer program, it performs the method as described in any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program stored thereon, said computer program being executed by a processor to perform the method as described in any one of claims 1 to 6.

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