Blockchain-based vehicle insurance operation method, device, equipment and storage medium

Abstract

The application provides a blockchain-based vehicle insurance operation method, device, equipment and storage medium, vehicle driving behavior data and customer data are acquired, data is integrated and processed to generate data assets and an asset directory, the data assets are encrypted, the encrypted data assets are uploaded to a blockchain, and the asset directory is uploaded to the cloud, so that the insurance company can view the asset directory through the cloud and send a transaction request, the transaction request sent by the insurance company is received and transaction verification is performed, if the transaction verification is passed, a smart contract is created, a key is sent to the insurance company based on the smart contract, so that the insurance company obtains target data from the blockchain through the key to obtain the income provided by the insurance company, and the blockchain-based vehicle insurance operation is completed, the data is transmitted to the blockchain after being encrypted, the characteristics of the blockchain that the data cannot be tampered with are used, the trust of the transaction parties to each other is improved, and the blockchain-based vehicle insurance operation is realized.

Description

Technical Field

[0001] This application relates to the field of intelligent connected vehicle insurance, specifically to a blockchain-based vehicle insurance operation method, device, equipment, and storage medium. Background Technology

[0002] With the increasing prevalence of vehicles in ordinary households, car insurance has become an important product in people's lives. However, due to the significant impact of vehicle wear and tear and driving behavior on vehicle risk, traditional insurance assessment methods are not suitable for car insurance. This has led to the emergence of UBI (Usage Based Insurance). By collecting data related to driving mileage, time, habits, and environment, combined with the driver's historical accident information, the data is analyzed to assess the driver and design personalized policies, premiums, and more reasonable pricing.

[0003] Since vehicle manufacturers only possess vehicle driving behavior data, while insurance companies lack customer-related information, it would be too costly for insurance companies to obtain vehicle driving behavior data through external devices, while vehicle manufacturers lack the qualifications to obtain customer-related information. Using only one party's data as the insurance assessment standard would lack data dimensions, making it impossible to obtain more accurate and reasonable insurance pricing. Therefore, close cooperation between vehicle manufacturers and insurance companies is needed to achieve more scientific insurance pricing. However, because there is no trustworthy platform to guarantee the accuracy of the data during the data exchange process, uncertain events such as data tampering may occur during the transaction. This leads to a lack of complete trust between the two parties in the reconciliation and profit-sharing stages, resulting in an unstable cooperative relationship. Summary of the Invention

[0004] In view of the shortcomings of the prior art described above, the present invention provides a vehicle insurance operation method, apparatus, equipment and storage medium based on blockchain to solve the above-mentioned technical problem that data may be tampered with during the transaction process.

[0005] This invention provides a blockchain-based vehicle insurance operation method, characterized by the following steps: acquiring vehicle driving behavior data and customer data; integrating and processing the vehicle driving behavior data and customer data to generate data assets and an asset catalog; encrypting the data assets and uploading the encrypted data assets to the blockchain, and uploading the asset catalog to the cloud, so that the insurance company can view the asset catalog through the cloud and generate and issue transaction requests based on the data identifiers in the asset catalog; receiving the transaction requests issued by the insurance company and verifying the transaction requests; if the transaction verification is successful, creating a smart contract based on the transaction requests; and sending a key to the insurance company based on the smart contract, enabling the insurance company to obtain the target data requested in the transaction requests from the blockchain through the key, thereby obtaining the revenue provided by the insurance company and completing the blockchain-based vehicle insurance operation.

[0006] In one embodiment of the present invention, the vehicle driving behavior data and the customer data are integrated and processed to generate data assets and an asset catalog, including: acquiring preset driving behavior data and preset customer data, generating standard data elements, and generating a standardized data model based on multiple standard data elements; generating initial data elements based on the vehicle driving behavior data and the customer data, and generating a combined data model based on multiple initial data elements; and generating the data assets and the asset catalog based on the matching result by matching the standardized data model and the combined data model.

[0007] In one embodiment of the present invention, matching the standardized data model and the combined data model, and generating the data assets and the asset catalog based on the matching result, includes: matching the combined data model and the standardized data model; if the matching is successful, marking the combined data model as a standard data model; if the matching fails, marking the combined data model as a non-standard data model; obtaining initial data elements that failed to match based on the non-standard data model, and determining the initial data elements that failed to match as differential data elements; matching the differential data elements with the standard data element library; if the matching is successful, marking the differential data elements as marked data elements; determining the standard data model and the marked data elements as data assets, obtaining data identifiers based on the data assets, and forming an asset catalog based on the data identifiers.

[0008] In one embodiment of the present invention, encrypting the data assets includes: generating an addition cyclic group and a multiplication cyclic group, and determining the addition cyclic group and the multiplication cyclic group as a bilinear pair; generating multiple public-private key pairs based on the bilinear pair; encrypting the data assets in groups according to the public key ciphertext of the multiple public-private key pairs, and generating an encryption key according to the hash value of the plaintext data and a random number; and encrypting the data assets in groups according to the encryption key and the asset catalog.

[0009] In one embodiment of the present invention, before receiving a transaction request from an insurance company, the method further includes: determining each group of encrypted data assets as a tradable dataset, the tradable dataset including a unique key; determining the key of the tradable dataset as an initial key, and uploading the initial key to the cloud, so that the insurance company can view the data assets and asset catalog based on the initial key, and generate a transaction request based on the asset catalog.

[0010] In one embodiment of the present invention, the transaction request is verified. If the transaction verification is successful, a smart contract is created based on the transaction request, including: generating a calculation parameter set based on the public key of the public-private key pair and the bilinear pair; publishing the calculation parameter set so that the insurance company can recover the secret factor based on the calculation parameter set and obtain the recovered secret factor; verifying the initial secret factor and the recovered secret factor obtained by the insurance company. If the verification shows that the initial secret factor and the recovered secret factor are equal, the transaction verification is determined to be successful; when the transaction verification is successful, a smart contract is created based on the transaction request.

[0011] In one embodiment of the present invention, creating a smart contract based on the transaction request includes: determining the target data and transaction quote requested in the transaction request, and generating smart contract content based on the target data and transaction quote; sending a smart contract creation request to the blockchain so that the blockchain creates a smart contract based on the smart contract content.

[0012] In one embodiment of the present invention, after creating a smart contract based on the transaction request, the method further includes: the blockchain creating a contract account and an account address for the smart contract based on the creation request, wherein the creation request includes the bytecode of the smart contract; compiling and storing machine code adapted to the blockchain node based on the bytecode, and calling local memory to store the machine code; and conducting insurance sales based on the open platform and paying the sales amount to the insurance company's account.

[0013] In one embodiment of the present invention, after the sales amount is paid to the insurance company's account, the process further includes: the OEM's blockchain account generating target transaction and deduction authorization information; the OEM sending the target transaction and the deduction authorization information to the insurance company's account, so that the insurance company's account signs the target transaction and the deduction authorization information based on the private key of the insurance company's blockchain, and returns the signed target transaction and the signed deduction authorization information to the OEM; the OEM sending a transaction request to the blockchain system, so that the blockchain system performs signature verification on the transaction request, the transaction request carrying the signed deduction authorization information; when the signature verification passes, the blockchain system performs fee settlement on the insurance company's blockchain account based on the target transaction.

[0014] This invention provides a blockchain-based vehicle insurance operation device, characterized in that the device comprises: a data acquisition module for acquiring vehicle driving behavior data and customer data; a data integration module for integrating and processing the vehicle driving behavior data and customer data to generate data assets and an asset catalog; a data encryption module for encrypting the data assets and uploading the encrypted data assets to the blockchain, and uploading the asset catalog to the cloud, so that the insurance company can view the asset catalog through the cloud and issue transaction requests based on the asset catalog; a transaction request module for receiving transaction requests from the insurance company and verifying the transaction requests, and if the transaction verification is successful, creating a smart contract based on the transaction request; and a transaction execution module for sending a key to the insurance company based on the smart contract, so that the insurance company can obtain the target data requested in the transaction request from the blockchain through the key, thereby obtaining the revenue provided by the insurance company and completing the blockchain-based vehicle insurance operation.

[0015] The present invention provides an electronic device, characterized in that the electronic device includes: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the electronic device enables the electronic device to implement the blockchain-based vehicle insurance operation method as described above.

[0016] The present invention provides a computer-readable storage medium, characterized in that it stores a computer program thereon, which, when executed by a computer's processor, causes the computer to perform the blockchain-based vehicle insurance operation method as described above.

[0017] The beneficial effects of this invention are as follows: This invention provides a blockchain-based vehicle insurance operation method, apparatus, equipment, and storage medium. It acquires vehicle driving behavior data and customer data; integrates and processes the data to generate data assets and an asset catalog; encrypts the data assets and uploads the encrypted data assets to the blockchain; uploads the asset catalog to the cloud, allowing insurance companies to view the asset catalog and issue transaction requests via the cloud; receives transaction requests from insurance companies and verifies the transactions; if the transaction verification is successful, a smart contract is created; based on the smart contract, a key is sent to the insurance company, enabling the insurance company to obtain the target data from the blockchain through the key, thereby obtaining the revenue provided by the insurance company and completing the blockchain-based vehicle insurance operation; by encrypting and transmitting data to the blockchain, utilizing the immutable nature of blockchain data, both OEMs and insurance companies encrypt and upload their own data to the blockchain, then generate data assets and an asset catalog based on the data on the blockchain, and issue transaction requests according to the self-verified asset catalog. Only after verification is the exchange of data and revenue executed, enhancing mutual trust between the transacting parties and thus realizing blockchain-based vehicle insurance operation.

[0018] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and do not limit this application. Attached Figure Description

[0019] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application. It is obvious that the drawings described below are merely some embodiments of this application, and those skilled in the art can obtain other drawings based on these drawings without any inventive effort. In the drawings:

[0020] Figure 1 This is a schematic diagram illustrating an implementation environment for blockchain-based vehicle insurance operations, as shown in an exemplary embodiment of this application.

[0021] Figure 2 This is a flowchart illustrating a blockchain-based vehicle insurance operation, as shown in an exemplary embodiment of this application.

[0022] Figure 3 This is a logic diagram illustrating data asset encryption and transactions, as shown in an exemplary embodiment of this application.

[0023] Figure 4 This is another exemplary embodiment of the present application illustrating the overall flowchart of a blockchain-based vehicle insurance operation;

[0024] Figure 5 This is an exemplary embodiment of the present application illustrating an architecture diagram of a blockchain-based vehicle insurance operation method;

[0025] Figure 6 This is a block diagram illustrating a blockchain-based vehicle insurance operation device, as shown in an exemplary embodiment of this application.

[0026] Figure 7 A schematic diagram of the structure of a computer system suitable for implementing the electronic device of the present application is shown. Detailed Implementation

[0027] The embodiments of the present invention will be described below with reference to the accompanying drawings and preferred embodiments. Those skilled in the art can easily understand other advantages and effects of the present invention from the content disclosed in this specification. The present invention can also be implemented or applied through other different specific embodiments, and various details in this specification can also be modified or changed based on different viewpoints and applications without departing from the spirit of the present invention. It should be understood that the preferred embodiments are only for illustrating the present invention and not for limiting the scope of protection of the present invention.

[0028] It should be noted that the illustrations provided in the following embodiments are only schematic representations of the basic concept of the present invention. Therefore, the drawings only show the components related to the present invention and are not drawn according to the actual number, shape and size of the components in the actual implementation. In the actual implementation, the form, quantity and proportion of each component can be arbitrarily changed, and the layout of the components may also be more complex.

[0029] In the following description, numerous details are explored to provide a more thorough explanation of embodiments of the invention. However, it will be apparent to those skilled in the art that embodiments of the invention may be practiced without these specific details. In other embodiments, well-known structures and devices are shown in block diagram form rather than in detail to avoid obscuring embodiments of the invention.

[0030] First, it should be noted that in this invention, data transactions are facilitated between OEMs and insurance companies through blockchain, reusing the OEM's big data technology for sensor collection and processing. This eliminates the need for additional hardware for data collection, significantly reducing the cost of UBI insurance products. Furthermore, because the OEM's driving behavior data is acquired, the data based on driving behavior characteristics is richer and more accurate. The OEM's big data capabilities cover over 2000 data items across 10 categories, with a data collection accuracy reaching up to 10 milliseconds. Combined with the insurance company's data based on driver characteristics (such as accident records, accident causes, and claim amounts), the algorithm model becomes more accurate. Finally, because vehicle insurance sales are conducted in the name of the insurance company, the relevant qualifications of the insurance company are utilized. Leveraging its professional advantages, this invention solves the operational challenges faced by OEMs lacking relevant regulatory qualifications (such as insurance brokerage qualifications), lowering the operational threshold for UBI insurance commercial products. Furthermore, the blockchain-based vehicle insurance operation method proposed in this invention, in its early implementation, forms a closed-loop business model for UBI insurance based on blockchain smart contract technology. Utilizing the irreversible nature of blockchain recording, it addresses the issue of insurance companies returning digital insurance products to OEMs, satisfying OEMs' demands for a closed-loop business model based on data-added insurance products. Building upon blockchain smart contracts, a contract execution mechanism is added, technically solving the problem of automatically monitoring the execution of digital products returned by insurance companies, significantly improving the execution efficiency of smart contracts.

[0031] Figure 1 This is an exemplary embodiment of the present application illustrating an implementation environment for blockchain-based vehicle insurance operations.

[0032] As shown in the diagram, the system architecture in a real-time environment can include OEM 101, cloud or blockchain 102, and insurance company 103. OEM 101 and insurance company 103 each upload their own data to blockchain 102. After integrating and processing the data in blockchain 102, OEM 101 generates data assets and an asset catalog, which are then uploaded to the blockchain and cloud. Insurance company 103 selects the target data to be traded through the asset catalog and sends the transaction request to OEM 101. Based on the transaction request, a smart contract is created on the blockchain, enabling OEM 101 to send the data assets to insurance company 103 through the blockchain and cloud and receive revenue from insurance company 103, thereby realizing blockchain-based vehicle insurance operations.

[0033] Figure 2 This is an exemplary embodiment of the present application illustrating a flowchart of a blockchain-based vehicle insurance operation.

[0034] like Figure 2As shown, in an exemplary embodiment, the blockchain-based vehicle insurance operation method includes at least steps S210 to S250, which are detailed below:

[0035] Step S210: Obtain vehicle driving behavior data and customer data.

[0036] It should be understood that customer data is provided by insurance companies, and OEMs cannot directly obtain the data from insurance companies. Instead, OEMs upload vehicle driving behavior data to the blockchain, and insurance companies upload their data to the blockchain, each making a claim of ownership of the data they hold. Then, OEMs retrieve vehicle driving behavior data and customer data from the blockchain.

[0037] In one embodiment of the present invention, data assets are transmitted through...<key,value> The model records the state of the consortium blockchain and generates a data asset model using data assets and blockchain information:

[0038] A =<I,Hash(I),Last Hash(I),U,Sign(U),O,Sign(O)>

[0039] Where I represents the ownership information of the data asset, Hash(I) represents the hash value of the data asset, Last Hash represents the last hash value of the digital asset, Sign represents the digital signature of the user currently performing the operation, and O represents the basic information of the data owner, with Sign(O) representing the digital signature of the data owner.

[0040] The data asset model is put into a block of the blockchain and linked with the previous node block to realize the on-chain data asset. The OEM and the insurance company respectively obtain the data asset data model and compare it with the on-chain data asset to verify the duplication and confirm the rights of the uploaded data asset.

[0041] In an environment where data has become a core asset for all entities, ownership of data assets is crucial for enterprises in cross-enterprise collaborations centered around data. In processing multi-source heterogeneous data, traditional data governance methods may blur the ownership of data assets. This invention proposes a blockchain-based vehicle insurance shadowing method that utilizes blockchain technology to declare assets for data provided by various entities, ensuring clear ownership during data fusion and increasing the willingness of both parties to collaborate in the data field.

[0042] Additionally, it should be noted that insurance companies encrypt customer data before sending it out.

[0043] In one embodiment of the present invention, the insurance company divides the data into tagged and non-tagged categories. Tagged data includes mobile phone numbers and ID card numbers, while non-tagged information includes the time of the incident. The tagged information of the data is hidden, and the precision of numeric non-tagged information is reduced digit by digit starting from the last digit. For non-numeric non-tagged information, a common description pre-set in the data processing module is used to re-describe the data. Then, the encrypted data is uploaded to the blockchain for the OEM to access and use.

[0044] Step S220: Integrate and process vehicle driving behavior data and customer data to generate data assets and asset catalogs.

[0045] The process integrates and processes vehicle driving behavior data and customer data to generate data assets and an asset catalog, including: acquiring preset driving behavior data and preset customer data, generating standard data elements, and generating a standardized data model based on multiple standard data elements; generating initial data elements based on vehicle driving behavior data and customer data, and generating a combined data model based on multiple initial data elements; and generating data assets and an asset catalog based on the matching results by matching the standardized data model and the combined data model.

[0046] The process involves matching the standardized data model with the combined data model, and generating data assets and an asset catalog based on the matching results. This includes: matching the combined data model with the standardized data model; if the match is successful, marking the combined data model as a standard data model; if the match fails, marking the combined data model as a non-standard data model; obtaining initial data elements that failed to match based on the non-standard data model, and identifying these initial data elements as differential data elements; matching these differential data elements with the standard data element library; if the match is successful, marking these differential data elements as labeled data elements; identifying the standard data model and labeled data elements as data assets, obtaining data identifiers based on the data assets, and forming an asset catalog based on the data identifiers.

[0047] In one embodiment of the present invention, the OEM performs multi-source heterogeneous data integration and sorting on its own driving behavior data and customer data provided by insurance companies. The specific method is as follows: the OEM and the insurance company respectively establish standardized data elements, and form a standard specification data model by using one or more standardized data elements to form their respective owned data. Then, the data elements are combined into a data model and matched with the standard specification data model. If the match is successful, it is automatically marked as a standard data model; if no match is found, a non-standard data model is created, and the fields are matched with the standard data source. Data elements that match the standard data model are marked. Then, the standard data model and the marked data elements are determined as data assets, and an asset catalog is generated based on this.

[0048] Step S230: Encrypt the data assets and upload the encrypted data assets to the blockchain. Upload the asset catalog to the cloud so that the insurance company can view the asset catalog through the cloud and generate and issue transaction requests based on the data identifiers in the asset catalog.

[0049] Encrypting data assets includes: generating an addition cyclic group and a multiplication cyclic group, and defining the addition cyclic group and the multiplication cyclic group as a bilinear pair; generating multiple public-private key pairs based on the bilinear pair; encrypting the data assets in groups according to the public key ciphertext of the multiple public-private key pairs; generating an encryption key based on the hash value of the plaintext data and a random number; and encrypting the data assets in groups according to the encryption key and the asset catalog.

[0050] In one embodiment of the present invention, an additive cyclic group G1 is generated, where P is the generator and a large prime number q is the order of G1; a cyclic multiplicative group G2 is generated, which has the same order as G1; e: G1*G2→G2 is a bilinear pair and a cryptographic hash function {0, 1}*→Zq* is selected; a public-private key pair is generated for each transaction; after the host manufacturer generates a specific key, it uses a ciphertext chaining block encryption algorithm to encrypt the data and uploads the generated multiple key blocks to the cloud storage platform.

[0051] Step S240: Receive the transaction request from the insurance company and verify the transaction request. If the transaction verification is successful, create a smart contract based on the transaction request.

[0052] Before receiving a transaction request from an insurance company, the process also includes: identifying each set of encrypted data assets as a tradable dataset, each tradable dataset containing a unique key; identifying the key of the tradable dataset as an initial key and uploading the initial key to the cloud so that the insurance company can view the data assets and asset catalog based on the initial key and generate a transaction request based on the asset catalog.

[0053] It should be understood that after the OEM uploads its data assets to the blockchain and the asset catalog to the cloud, the insurance company can browse data information based on the asset catalog, but cannot obtain specific data assets. For example, it can browse vehicle models, driving days, etc., but cannot associate the corresponding vehicle models or driving days with specific customers. Therefore, the insurance company needs to select a specific tradable dataset based on the asset catalog and then initiate a transaction request to the OEM.

[0054] The transaction request is verified. If the transaction verification is successful, a smart contract is created based on the transaction request, including: generating a set of computational parameters based on the public key and bilinear pair of the public and private key pairs; publishing the set of computational parameters so that the insurance company can recover the secret factor based on the set of computational parameters and obtain the recovered secret factor; verifying the initial secret factor and the recovered secret factor obtained by the insurance company. If the verified initial secret factor and the recovered secret factor are equal, the transaction verification is considered successful; when the transaction verification is successful, a smart contract is created based on the transaction request.

[0055] The blockchain-based vehicle insurance operation method proposed in this invention incorporates a key validity verification mechanism in the data asset exchange process, which increases the security of data asset transactions compared to traditional key technology solutions. Without a validity verification mechanism, traditional key transmission carries the risk that the seller's assets may have already been transferred. Adding validity verification ensures that the key is valid before asset transfer; if the validity verification fails, the transaction is considered a failure, resulting in no loss for either party. This enhances the insurance company's confidence in the digital asset transaction process and strengthens the security and fairness of digital asset cooperation.

[0056] Figure 3 This is a logical diagram illustrating data asset encryption and transactions, as shown in an exemplary embodiment of this application.

[0057] like Figure 3 As shown, data decryption in the data transaction process between the OEM and the insurance company mainly includes the following parts: First, the OEM generates a key Key, then generates a shared factor s' based on the key and shares it with the insurance company, and at the same time generates a conversion key δkey and shares it with the insurance company, so that the insurance company generates a key k based on the shared factor s' and the conversion key δkey.

[0058] The OEM generates a conversion key based on a privacy factor, using the following formula:

[0059]

[0060] Where δkey is the OEM conversion key, H(m) is the hash value of the plaintext data m, K is a random number, and Yb is...

[0061] The insurance company generates a conversion key based on a privacy factor, using the following formula:

[0062]

[0063] Where ξKey is the insurance company's conversion key, s' is the sharing factor, and δkey is the OEM's conversion key.

[0064] In one embodiment of the present invention, the method for transaction verification is as follows: the host manufacturer calculates a symmetric encryption key, which is generated by the host manufacturer based on the hash value of the plaintext data and a random number, and is used to encrypt the transacted data. The key generation formula is as follows:

[0065]

[0066] Where Key is the key, H(m) is the hash value of the plaintext data m, K is a random number, and P is a generator.

[0067] Then the OEM divides the data into plaintext blocks, calculates an initial vector, and the input of the encryption algorithm for linking ciphertext blocks is the XOR of the current plaintext block and the previous ciphertext block. Finally, all ciphertext blocks are stored on a third-party cloud platform.

[0068] It should be understood that after the transaction verification is successful, the blockchain system runs a smart contract based on the transaction request issued by the insurance company to process the request. This smart contract includes functions for quoting the value of the current data exchange and the next step, executes a fair data transaction method, utilizes the atomicity of blockchain transactions to ensure the fairness of information exchange between the two parties, and provides the insurance company with key validity verification.

[0069] In one embodiment of the present invention, the method for providing key validity verification to an insurance company is as follows:

[0070] S41: After receiving the transaction request, the OEM randomly selects a number α and calculates the secret factor s, using the following formula:

[0071] s = e(ya, yb) α (Formula 4),

[0072] Where ya is the OEM's public key, yb is the insurance company's public key, and e is a bilinear pair. The OEM publishes the parameter set [aP, sya] through blockchain transactions.

[0073] S42: After receiving the above parameter set, the insurance company recovers the secret factor based on the private key and verifies whether sya is equal to sya. If they are equal, it means that the recovered secret factor is correct. The formula for recovering the secret factor is as follows:

[0074] s = e(ya, ∝P) xb (Formula 5),

[0075] Where ya is the host manufacturer's public key, e is a bilinear pair, and P is a generator.

[0076] Creating a smart contract based on a transaction request includes: determining the target data and transaction quote requested in the transaction request, and generating smart contract content based on the target data and transaction quote; sending a smart contract creation request to the blockchain so that the blockchain can create a smart contract based on the smart contract content.

[0077] After a smart contract is created based on a transaction request, the process also includes: the blockchain creating a contract account and the account address for the smart contract based on the creation request, the creation request including the bytecode of the smart contract; compiling and storing machine code adapted to the blockchain node based on the bytecode, and calling local storage to store the machine code; and conducting insurance sales based on the open platform and paying the sales amount to the insurance company's account.

[0078] In one embodiment of the present invention, based on smart contracts, the specific steps for an insurance company to send back pricing and digital product links to an OEM are as follows: First, a blockchain node accepts a request to create a smart contract, the request containing the bytecode of the smart contract; then, the blockchain node deploys the smart contract, including creating a corresponding contract account for the smart contract and a corresponding address for the contract account; after the blockchain node completes the deployment of the smart contract, it begins to compile the bytecode of the smart contract into machine code adapted to the blockchain node via AoT and stores it. The smart contract bytecode is compiled and stored using AoT during relatively idle time periods; then, the smart contract deployed by the blockchain node is executed, calling the locally stored machine code of the smart contract and executing the machine code; finally, the OEM conducts marketing activities through channels including but not limited to smart cockpits, mobile apps, and 4S stores. Due to regulatory requirements that OEMs lack insurance operation qualifications, drivers purchase insurance and complete payment to the insurance company's account.

[0079] Step S250: Based on the smart contract, a key is sent to the insurance company, enabling the insurance company to obtain the target data requested in the transaction request from the blockchain through the key, so as to obtain the revenue provided by the insurance company and complete the blockchain-based vehicle insurance operation.

[0080] After the sales revenue is paid into the insurance company's account, the process also includes: the OEM's blockchain account generating target transaction and deduction authorization information; the OEM sending the target transaction and deduction authorization information to the insurance company's account, so that the insurance company's account signs the target transaction and deduction authorization information based on the insurance company's blockchain private key, and returns the signed target transaction and signed deduction authorization information to the OEM; the OEM sending a transaction request to the blockchain system, so that the blockchain system verifies the signature of the transaction request, which carries the signed deduction authorization information; when the signature verification is successful, the blockchain system executes fee settlement on the insurance company's blockchain account based on the target transaction.

[0081] It should be understood that during the key validity verification process, if the key validity verification is successful, the OEM and the insurance company will execute the transaction based on the smart contract to complete the exchange of data and assets; if the key validity verification fails, the transaction will be cancelled, and neither the OEM's data assets nor the insurance company's financial interests will suffer any loss.

[0082] In one embodiment of the present invention, the specific steps for OEMs and insurance companies to reconcile accounts and share profits through a blockchain-based operating platform are as follows:

[0083] S51: The OEM's blockchain account generates the deduction authorization information for the target transaction and sends it to the insurance company's account. The deduction authorization information is used to entrust the payment of transaction fees for the target blockchain transaction.

[0084] S52: The insurance company's blockchain account signs the deduction authorization information of the target blockchain transaction based on the private key of the second blockchain account;

[0085] S53: The insurance company's blockchain account sends the deduction authorization information, signed with the insurance company's private key, to the OEM's blockchain account;

[0086] S54: The OEM initiates a transaction request to the blockchain system for the target blockchain transaction. The transaction request carries the deduction authorization information signed by the private key of the second blockchain account.

[0087] S55: The blockchain system performs signature verification on the deduction authorization information after the insurance company's blockchain account private key is signed;

[0088] S56: The blockchain system uses the signature-verified deduction authorization information to perform fee settlement for the target blockchain transaction on the second blockchain account.

[0089] Figure 4 This is another exemplary embodiment of the present application illustrating the overall flowchart of a blockchain-based vehicle insurance operation.

[0090] like Figure 4 As shown, the overall process of the blockchain-based vehicle insurance operation method mainly involves information exchange between the OEM and the insurance company. The steps are as follows: First, the OEM and the insurance company declare the ownership of their respective data. Then, the insurance company encrypts the customer data and transmits it to the OEM. After receiving the customer data from the insurance company, the OEM integrates the customer data from the insurance company with its own driving behavior data from multiple sources and heterogeneous data. Then, it conducts data asset transactions and generates smart contracts. Next, the smart contracts are executed, and the two parties share the profits after the smart contracts are executed.

[0091] In one embodiment of the present invention, taking a holiday UBI insurance customized by car manufacturer A and insurance company B for owners of car model C as an example, the implementation steps of its blockchain-based vehicle insurance operation are as follows:

[0092] Step 1: The OEM and the insurance company reach an agreement on the data required for this digital product. The insurance company registers as a third-party operator account of the OEM through the OEM's operating platform and can provide the OEM with products and payment accounts.

[0093] Step 2: After preparing the data, the OEM and the insurance company will make a declaration of ownership of the digital assets on the blockchain.

[0094] Step 3: The insurance company will transmit the required data to the OEM after de-identifying and encrypting it.

[0095] Step 4: The OEM integrates the heterogeneous data from multiple sources.

[0096] Step 5: Conduct data asset transactions based on the digital asset trading method of this invention, and create smart contracts.

[0097] Step Six: The blockchain initiates the execution of a smart contract with the insurance company, and the insurance company transmits the user identifier and corresponding digital goods to the OEM.

[0098] Step 7: The OEM pushes digital products through user touchpoints such as smart cockpits, mobile apps, and 4S stores. After the user makes a purchase, the payment is transferred to the insurance company's account, and the transaction information is recorded on the blockchain.

[0099] Step 8: Payment and revenue sharing between the insurance company and the OEM: The OEM initiates a direct debit agreement to the insurance company's account via blockchain, and the insurance company executes the direct debit after digital signature.

[0100] This invention proposes a blockchain-based vehicle insurance cloud-based method, including a blockchain-based transaction reconciliation and profit-sharing system, which solves the trust problem of traditional reconciliation systems. The target transaction recorded on the blockchain is used by the OEM's blockchain account to generate deduction information. The insurance company signs the deduction information using its private key, and the blockchain system verifies the signature before settling the payment. This ensures the immutability of the transaction and the security of the deduction.

[0101] Figure 5 This is an exemplary embodiment of the present application illustrating an architecture diagram of a blockchain-based vehicle insurance operation method.

[0102] like Figure 5As shown, the overall architecture of the blockchain-based vehicle insurance operation method mainly clarifies the roles of the OEM, the insurance company, and the blockchain. The OEM includes a vehicle-side data collection module, a multi-source heterogeneous data integration platform, and a digital product operation module; the insurance company includes a data encryption transmission module and a UBI insurance pricing algorithm model; and the blockchain includes an information storage module for storing data ownership information and UBI digital commodity transaction information, a data asset module, and an execution module for executing smart contracts and deducting transaction profits.

[0103] Figure 6 This is a block diagram illustrating a blockchain-based vehicle insurance operation device as an exemplary embodiment of this application. The device can be applied to... Figure 1 The implementation environment shown is specifically configured in the smart terminal 103. This device can also be applied to other exemplary implementation environments and specifically configured in other devices. This embodiment does not limit the implementation environment to which the device is applicable.

[0104] like Figure 6 As shown, the exemplary blockchain-based vehicle insurance operation device includes: a data acquisition module 610, a data integration module 620, a data encryption module 630, a transaction request module 640, and a transaction execution module 650.

[0105] The system includes the following modules: a data acquisition module 610, which acquires vehicle driving behavior data and customer data (the customer data is obtained from the insurance company); a data integration module 620, which integrates and processes the vehicle driving behavior data and customer data to form data assets and generate an asset catalog; a data encryption module 630, which encrypts the data assets and uploads the encrypted data assets to the blockchain, and uploads the asset catalog to the cloud; a transaction request module 640, which receives transaction requests from the insurance company and verifies them; if the verification is successful, a smart contract is created based on the transaction request; and a transaction execution module 650, which sends the target data in the transaction request to the insurance company based on the smart contract and receives the revenue, thereby realizing blockchain-based insurance operations.

[0106] It should be noted that the blockchain-based vehicle insurance operation device and the blockchain-based vehicle insurance operation method provided in the above embodiments belong to the same concept. The specific methods by which each module and unit performs operations have been described in detail in the method embodiments and will not be repeated here. In practical applications, the blockchain-based vehicle insurance operation device provided in the above embodiments can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. This is not a limitation here.

[0107] Embodiments of this application also provide an electronic device, including: one or more processors; and a storage device for storing one or more programs, which, when executed by the one or more processors, enable the electronic device to implement the blockchain-based vehicle insurance operation method provided in the various embodiments above.

[0108] Figure 7 A schematic diagram of a computer system suitable for implementing the embodiments of this application is shown. It should be noted that... Figure 7 The computer system 700 of the electronic device shown is merely an example and should not impose any limitation on the functionality and scope of use of the embodiments of this application.

[0109] like Figure 7 As shown, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes, such as executing the methods described in the above embodiments, based on programs stored in Read-Only Memory (ROM) 702 or programs loaded from storage portion 708 into Random Access Memory (RAM) 703. The RAM 703 also stores various programs and data required for system operation. The CPU 701, ROM 702, and RAM 703 are interconnected via a bus 704. An Input / Output (I / O) interface 705 is also connected to the bus 704.

[0110] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, mouse, etc.; an output section 707 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN (Local Area Network) card, modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 710 as needed so that computer programs read from it can be installed into the storage section 708 as needed.

[0111] Specifically, according to embodiments of this application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments of this application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program including a computer program for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 709, and / or installed from removable medium 711. When the computer program is executed by central processing unit (CPU) 701, it performs various functions defined in the system of this application.

[0112] It should be noted that the computer-readable medium shown in the embodiments of this application can be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), flash memory, optical fiber, portable compact disc read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this application, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying a computer-readable computer program. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The computer program contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to wireless, wired, etc., or any suitable combination thereof.

[0113] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. Each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0114] The units described in the embodiments of this application can be implemented in software or hardware, and the described units can also be located in a processor. The names of these units do not necessarily limit the specific unit itself.

[0115] Another aspect of this application provides a computer-readable storage medium storing a computer program that, when executed by a computer's processor, causes the computer to perform the blockchain-based vehicle insurance operation method as described above. This computer-readable storage medium may be included in the electronic device described in the above embodiments, or it may exist independently and not incorporated into the electronic device.

[0116] Another aspect of this application provides a computer program product or computer program including computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the blockchain-based vehicle insurance operation method provided in the various embodiments described above.

[0117] The above embodiments are merely illustrative of the principles and effects of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or alter the above embodiments without departing from the spirit and scope of the present invention. Therefore, all equivalent modifications or alterations made by those skilled in the art without departing from the spirit and technical concept disclosed in the present invention should still be covered by the claims of the present invention.

Claims

1. A blockchain-based vehicle insurance operation method, characterized in that, The method includes: Acquire vehicle driving behavior data and customer data; The vehicle driving behavior data and the customer data are integrated and processed to generate data assets and an asset catalog. The data assets are encrypted and uploaded to the blockchain. The asset catalog is uploaded to the cloud so that insurance companies can view the asset catalog through the cloud and generate and issue transaction requests based on the data identifiers in the asset catalog. Receive transaction requests from insurance companies and verify the transaction requests. If the transaction verification is successful, create a smart contract based on the transaction request. Based on the smart contract, a key is sent to the insurance company, enabling the insurance company to obtain the target data requested in the transaction request from the blockchain through the key, so as to obtain the revenue provided by the insurance company and complete the blockchain-based vehicle insurance operation.

2. The blockchain-based vehicle insurance operation method according to claim 1, characterized in that, The vehicle driving behavior data and the customer data are integrated and processed to generate data assets and an asset catalog, including: Acquire preset driving behavior data and preset customer data, generate standard data elements, and generate a standardized data model based on multiple standard data elements; Initial data elements are generated based on the vehicle driving behavior data and the customer data, and a combined data model is generated based on multiple initial data elements. By matching the standardized data model and the combined data model, the data assets and the asset catalog are generated based on the matching results.

3. The blockchain-based vehicle insurance operation method according to claim 2, characterized in that, Matching the standardized data model and the combined data model, and generating the data assets and the asset catalog based on the matching results, includes: The combined data model is matched with the standard data model. If the match is successful, the combined data model is marked as a standard data model. If the match fails, the combined data model is marked as a non-standard data model. Based on the non-standard data model, the initial data elements that failed to match were obtained, and the initial data elements that failed to match were identified as differential data elements. The difference data element is matched with the standard data element. If the match is successful, the difference data element is marked as a labeled data element. The standard data model and the labeled data elements are identified as data assets, and data identifiers are obtained based on the data assets. An asset catalog is then formed based on the data identifiers.

4. The blockchain-based vehicle insurance operation method according to claim 1, characterized in that, Encrypting the data assets includes: Generate an addition cyclic group and a multiplication cyclic group, and determine the addition cyclic group and the multiplication cyclic group as a bilinear pair, and generate multiple public-private key pairs based on the bilinear pair; The data assets are grouped and encrypted based on the public key ciphertext of the multiple public-private key pairs, and an encryption key is generated based on the hash value and random number of the data plaintext. The data assets are grouped and encrypted based on the encryption key and the asset catalog.

5. The blockchain-based vehicle insurance operation method according to claim 1, characterized in that, Before receiving a transaction request from an insurance company, the process also includes: Each encrypted data asset is identified as a tradable dataset, and the tradable dataset includes a unique key; The key of the tradable dataset is determined as the initial key, and the initial key is uploaded to the cloud so that the insurance company can view the data assets and asset catalog based on the initial key, and generate a transaction request based on the asset catalog.

6. The blockchain-based vehicle insurance operation method according to claim 4, characterized in that, The transaction request is verified. If the transaction verification passes, a smart contract is created based on the transaction request, including: A set of computational parameters is generated based on the public key of the public-private key pair and the bilinear pair; The calculation parameter set is published so that the insurance company can recover the secret factor based on the calculation parameter set and obtain the recovery secret factor. Verify the initial secret factor and the recovery secret factor obtained by the insurance company. If the initial secret factor and the recovery secret factor are equal, the transaction verification is considered successful. Once the transaction is successfully verified, a smart contract is created based on the transaction request.

7. The blockchain-based vehicle insurance operation method according to claim 6, characterized in that, Creating a smart contract based on the transaction request includes: Based on the transaction request, determine the target data and transaction quote requested in the transaction request, and generate smart contract content based on the target data and transaction quote; Send a smart contract creation request to the blockchain so that the blockchain can create a smart contract based on the content of the smart contract.

8. The blockchain-based vehicle insurance operation method according to claim 7, characterized in that, After creating the smart contract based on the transaction request, it also includes: The blockchain creates a contract account and the account address of the contract account for the smart contract based on the creation request, wherein the creation request includes the bytecode of the smart contract; Machine code adapted to the blockchain node is compiled and stored based on the bytecode, and local memory is called to store the machine code; Insurance sales are conducted through an open platform, and the sales revenue is paid into the insurance company's account.

9. The blockchain-based vehicle insurance operation method according to claim 8, characterized in that, After the sales revenue is deposited into the insurance company's account, the following also applies: The OEM's blockchain account generates target transaction and deduction authorization information; The OEM sends the target transaction and the deduction authorization information to the insurance company's account, so that the insurance company's account signs the target transaction and the deduction authorization information based on the private key of the insurance company's blockchain, and returns the signed target transaction and the signed deduction authorization information to the OEM. The OEM sends a transaction request to the blockchain system so that the blockchain system can verify the signature of the transaction request. The transaction request carries the signed deduction authorization information. Once the signature verification is successful, the blockchain system executes fee settlement on the insurance company's blockchain account based on the target transaction.

10. A blockchain-based vehicle insurance operation device, characterized in that, The device includes: The data acquisition module is used to acquire vehicle driving behavior data and customer data; The data integration module is used to integrate and process the vehicle driving behavior data and the customer data to generate data assets and asset catalogs; The data encryption module is used to encrypt the data assets and upload the encrypted data assets to the blockchain, and upload the asset catalog to the cloud so that the insurance company can view the asset catalog through the cloud and issue transaction requests based on the asset catalog; The transaction request module is used to receive transaction requests from insurance companies, verify the transaction requests, and create smart contracts based on the transaction requests if the transaction verification is successful. The transaction execution module is used to send a key to the insurance company based on the smart contract, so that the insurance company can obtain the target data requested in the transaction request from the blockchain through the key, so as to obtain the revenue provided by the insurance company and complete the blockchain-based vehicle insurance operation.

11. An electronic device, characterized in that, The electronic device includes: One or more processors; A storage device for storing one or more programs that, when executed by one or more processors, cause the electronic device to implement the blockchain-based vehicle insurance operation method as described in any one of claims 1 to 9.

12. A computer-readable storage medium, characterized in that, It stores a computer program that, when executed by the computer's processor, causes the computer to perform the blockchain-based vehicle insurance operation method as described in any one of claims 1 to 9.

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