Business processing method, related device, computer storage medium and program product

Abstract

The application discloses a business processing method, related equipment, a computer storage medium and a program product. The method comprises the following steps: obtaining an insurance object's insurance business processing request; obtaining the insurance object's decentralized identity identifier associated historical business data from a block chain network; performing risk assessment on the insurance object based on the historical business data according to a preset risk assessment rule; if the risk assessment result indicates that the insurance object is allowed to provide the insurance business, performing the insurance business processing on the insurance object based on the historical business data, obtaining the insurance object's insurance business data, publishing the insurance business data associated with the decentralized identity identifier to the block chain network, obtaining the insurance object's claim business request; obtaining the reference business data associated with the decentralized identity identifier from the block chain network; and performing the claim business processing on the insurance object according to the insurance business data and the obtained reference business data, obtaining the insurance object's claim result, which can improve the efficiency of the business processing.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer, in particular to a business processing method, related equipment, computer storage medium and program product. BACKGROUND

[0002] The development of Internet technology and computer technology enables information to be quickly spread through the Internet, so that the business information or business data of many businesses can be stored in the Internet, so that the processing of the target business can be realized based on the Internet. For some business providers, it is of great benefit to reasonably use the external business data of other related business providers to improve the efficiency of the target business. In the traditional business processing method, in order to ensure the security of the business data, the business data of different business providers in the same industry is stored independently, and the data sharing degree between different business providers is low, which makes the process of obtaining external business data by the target business provider complex and the correctness of the external business data doubtful, thereby causing the problem of low processing efficiency of business processing. Therefore, how to improve the business processing efficiency has become a research hotspot. SUMMARY

[0003] The embodiments of the present application provide a business processing method, related equipment, computer storage medium and program product, which can improve the business processing efficiency of the insurance business.

[0004] In one aspect, the embodiments of the present application provide a business processing method, comprising:

[0005] Obtaining an insurance business request of an insurance object, the insurance business request carrying a decentralized identity of the insurance object;

[0006] Obtaining historical business data associated with the decentralized identity from a blockchain network, the blockchain network comprising a plurality of blockchain nodes with a first business attribute, the first business attribute indicating that the corresponding blockchain node has the ability to process the insurance business, and the historical business data comprising business data generated by at least one blockchain node with the first business attribute in a historical time period during an insurance interaction process with the insurance object;

[0007] Performing risk assessment on the insurance object based on the historical business data according to a preset risk assessment rule to obtain a risk assessment result, the risk assessment result being used to indicate whether to allow the insurance object to be provided with the insurance business;

[0008] When the risk assessment result indicates that the insurance object is allowed to be provided with the insurance business, performing insurance business processing on the insurance object based on the historical business data to obtain insurance business data of the insurance object;

[0009] establish an association between the insurance application data and the decentralized identity, and publish the insurance application data associated with the decentralized identity to the blockchain network;

[0010] obtain a claim service request of the insurance object, the claim service request carrying the decentralized identity of the insurance object;

[0011] obtain reference service data associated with the decentralized identity from the blockchain network, the reference service data being data required for reference when processing the claim service, and the reference service data being generated by a blockchain node with a second service attribute, the second service attribute indicating that the corresponding blockchain node has the ability to generate reference service data for the insurance object, and the blockchain network including at least one blockchain node with the second service attribute;

[0012] perform claim service processing on the insurance object according to the insurance application data and the obtained reference service data, to obtain a claim result of the insurance object.

[0013] In still another aspect, an embodiment of the present application provides a service processing device, comprising:

[0014] an obtaining unit configured to obtain an insurance application request of an insurance object, the insurance application request carrying a decentralized identity of the insurance object;

[0015] The obtaining unit is further configured to obtain historical service data associated with the decentralized identity from a blockchain network, the blockchain network including a plurality of blockchain nodes with a first service attribute, the first service attribute indicating that the corresponding blockchain node has the ability to process the insurance application service, and the historical service data including service data generated by at least one of the blockchain nodes with the first service attribute in a historical time period during an insurance interaction process with the insurance object;

[0016] a risk assessment unit configured to perform risk assessment on the insurance object based on the historical service data according to a preset risk assessment rule, to obtain a risk assessment result, the risk assessment result being used to indicate whether to allow the insurance object to be provided with the insurance application service;

[0017] a processing unit configured to perform insurance application service processing on the insurance object based on the historical service data when the risk assessment result indicates that the insurance object is allowed to be provided with the insurance application service, to obtain insurance application data of the insurance object;

[0018] The publishing unit is configured to establish an association between the insurance business data and the decentralized identity, and publish the insurance business data associated with the decentralized identity to the blockchain network.

[0019] The obtaining unit is further configured to obtain a claim business request of the insurance object, the claim business request carrying the decentralized identity of the insurance object.

[0020] The obtaining unit is further configured to obtain reference business data associated with the decentralized identity from the blockchain network, the reference business data being data required for reference when processing a claim business, and the reference business data being generated by a blockchain node with a second business attribute, the second business attribute indicating that the corresponding blockchain node has the ability to generate reference business data for the insurance object, and the blockchain network including at least one blockchain node with the second business attribute.

[0021] The claim unit is configured to process a claim business for the insurance object according to the insurance business data and the obtained reference business data, to obtain a claim result of the insurance object.

[0022] In another aspect, an embodiment of the present application provides a computer device, comprising:

[0023] A processor, the processor being configured to implement one or more computer programs;

[0024] A computer storage medium, the computer storage medium storing one or more computer programs, the one or more computer programs being adapted to be loaded and executed by the processor to perform the business processing method according to the first aspect.

[0025] In another aspect, an embodiment of the present application further provides a computer storage medium, the computer storage medium storing one or more computer programs, the one or more computer programs being adapted to be loaded and executed by the processor to perform the business processing method according to the first aspect.

[0026] In another aspect, an embodiment of the present application provides a program product, the program product comprising a computer program, the computer program being adapted to be loaded and executed by a processor to perform the business processing method according to the first aspect.

[0027] In the embodiment of the present application, the business request (including the insurance business request and the claim business request) carries the decentralized identity of the insurance object. In the process of executing the business processing, the computer device first obtains the related business data associated with the centralized identity from the blockchain network. Since the blockchain network includes a plurality of blockchain nodes of the first business attribute and a plurality of blockchain nodes of the second business attribute, the blockchain nodes of different business attributes are used to process different businesses or belong to different business institutions, so that the computer device can obtain the business data of multiple institutions based on the decentralized identity of the insurance object, and provide business processing for the insurance object based on the business data of multiple institutions. The computer device can enrich the business information that can be referred to when processing the business of the insurance object, and effectively avoid the problem of information asymmetry between the insurance object and the business provider. In addition, in the embodiment of the present application, various types of business data are stored in the blockchain network in association with the decentralized identity. The generation technology of the decentralized identity can avoid any third party from mastering the identity information of the insurance object. Therefore, the embodiment of the present application can also avoid the identity information of the insurance object being mastered by the third party, thereby avoiding the leakage of the identity information and ensuring the security of the data. BRIEF DESCRIPTION OF DRAWINGS

[0028] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed in the embodiment description will be briefly introduced. Obviously, the drawings in the following description are some embodiments of the present application, and other drawings can also be obtained by those skilled in the art without creative labor.

[0029] Figure 1a is a structural schematic diagram of a blockchain provided by an embodiment of the present application;

[0030] Figure 1b is a structural schematic diagram of a blockchain network provided by an embodiment of the present application;

[0031] Figure 2 is a schematic flow chart of a business processing method provided by an embodiment of the present application;

[0032] Figure 3 is a structural schematic diagram of a decentralized identity provided by an embodiment of the present application;

[0033] Figure 4 is a schematic flow chart of another business processing method provided by an embodiment of the present application;

[0034] Figure 5 is a flow chart of executing business processing in a business processing system provided by an embodiment of the present application;

[0035] Figure 6is a structural schematic diagram of a service processing device provided by an embodiment of the present application;

[0036] Figure 7 is a structural schematic diagram of a computer device provided by an embodiment of the present application. DETAILED DESCRIPTION

[0037] In order to make the personnel in the art better understand the scheme provided by the embodiments of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in combination with the drawings in the embodiments of the present application. It should be noted that each specific embodiment described in the embodiments of the present application is only a part of the embodiments of the present application, not all the embodiments. Based on each embodiment in the present application, all other embodiments obtained by the person of ordinary skill in the art without creative labor are within the scope of protection of the present application.

[0038] The embodiment of the application proposes a business processing method based on blockchain technology, which can be executed by a computer device. In the business processing method, after obtaining an insurance object's insurance business request, the computer device parses the insurance object's decentralized identifier (DID) carried by the insurance business request, obtains the centralized identifier associated historical business data from the blockchain network, and performs risk assessment on the insurance object based on the historical business data according to the preset risk assessment rule to obtain the risk assessment result of the insurance object. When the risk assessment result indicates that the insurance object is allowed to provide insurance business, the insurance object's insurance business data is obtained by performing insurance business processing on the insurance object based on the historical business data, wherein the historical business data refers to the business data generated by at least one blockchain node with insurance business processing function in the historical period in the process of interacting with the insurance object. The insurance business data can be published to the blockchain network, and the insurance business data is associated with the insurance object's decentralized identifier before being published, so that the computer device can obtain the insurance business data from the blockchain network according to the decentralized identifier after obtaining the insurance object's claim business request, and perform claim business processing on the insurance object based on the insurance business data and reference business data to obtain the claim result. The reference business data refers to the data required by the computer device when performing claim business processing, and the reference business data is generated by a blockchain node with a second business attribute in the blockchain network. The blockchain network can include but is not limited to a consortium chain network or a private chain network, etc. The computer device can obtain the reference business data from the blockchain network according to the insurance object's decentralized identifier. The decentralized identifier is a new type of identifier, and its generation and management are completely controlled by the owner of the identifier, without the participation of any centralized third party, which means that any information about the insurance object's identity is completely controlled by the insurance object itself.

[0039] In the business processing method, the historical business data reference business data required by the computer device for processing the insurance business and the insurance business data generated after the insurance business processing are associated with the decentralized identity, so that the computer device can rely on the decentralized identity to realize the acquisition of the historical business data and the reference business data of the insurance object and realize the access of the insurance business data on the blockchain network, ensuring that the computer device can realize the processing of the related business data in the insurance business processing process and the claim business processing process with as little information as possible. Generally, the less information the computer device uses when processing the business, the less computing resources and / or storage resources the computer device needs to use, and the higher the speed of the computer device when executing the business processing, so that the embodiments of the present application can not only avoid the computer device directly acquiring and using the identity information of the insurance object, effectively ensuring the security of the identity information, but also improve the processing efficiency of the computer device. In addition, in the embodiments of the present application, the historical business data and the reference business data of the insurance object are generated by one or more blockchain nodes of different business attributes in the blockchain network, and the blockchain nodes of different business attributes usually belong to different types of business institutions. It can be seen that the embodiments of the present application can realize data sharing among various business institutions in the insurance field, effectively balance the information symmetry between the insurance object and the insurance institution, and improve the risk identification ability of the insurance institution.

[0040] In specific embodiments, the blockchain network and the blockchain nodes are both constructed based on the blockchain technology, and the blockchain in the blockchain network has the characteristics of decentralization, information transparency, and non-tamperability. In order to facilitate understanding of the implementation manner of the embodiments of the present application and the related technical benefits, the blockchain technology and the related definitions of the blockchain network, the blockchain nodes and the like used in the embodiments of the present application are explained in detail below.

[0041] Blockchain technology: Blockchain technology is an emerging technology, which is a cross-discipline involving cryptography, game theory, and currency science. The blockchain technology mainly uses a blockchain (a chain-like data structure using blocks) to store data, uses a consensus algorithm to ensure the consistency of data, and uses cryptography to ensure the security of data. In the embodiments of the present application, the blockchain can be understood as a database shared, copied and synchronized among network members, and the structure of the blockchain can be as shown in Figure 1a Figure 1a ​It can be seen that the blockchain includes a series of blocks (data blocks) connected in time sequence according to the time of generation, and the blocks record the record data submitted by the blockchain nodes in the blockchain network (or the blockchain system). Once the newly generated block is added to the blockchain, it will not be removed. Among them, the block can be understood as a string of text records connected and protected by cryptography. In practical applications, each block in the blockchain includes the encrypted hash of the previous block, the corresponding timestamp, and transaction data. Illustratively, the transaction data is usually represented by the hash value calculated by the Merkle tree algorithm. Such design makes the block content difficult to tamper with. The transaction data in the embodiments of the present application includes historical business data and insurance business data.

[0042] Blockchain node: the blockchain can be stored in the blockchain node, and the blockchain node also has multiple functions, such as routing function, application function, etc. Among them, the routing function is the basic function of the blockchain node, which is mainly used to support the communication between the blockchain nodes. The application function (such as the insurance business function in the embodiments of the present application) can be deployed in the blockchain, which is mainly used to realize specific business according to actual business needs. In the process of realizing related business by the blockchain node based on the application function, the application function can also be used to record the record data formed by the data related to the implementation of the function, and carry a digital signature in the record data to represent the source of the record data. In addition, each blockchain node in the blockchain network has a corresponding node identifier, and each blockchain node in the blockchain network can store the node identifiers of other blockchain nodes in the blockchain network, so as to subsequently broadcast the related data (such as the generated block) to other blockchain nodes in the blockchain network according to the node identifiers of other blockchain nodes. Among them, the node identifier can be an IP (Internet Protocol) address or any information that can be used to uniquely identify the blockchain node. Based on this, in practical applications, each blockchain node can maintain a node identifier list as shown in Table 1, which can store the node names and node identifiers of each blockchain node in association (only IP addresses are used as an example in Table 1).

[0043] Table 1

[0044] Node name Node identification Node 1 117.114.151.XX Node 2 117.XX.XXX.XX … … Node N xx.xx.xx.xx

[0045] Blockchain network: The blockchain nodes can be used to constitute a blockchain network, that is, the blockchain network is a network constituted by a plurality of blockchain nodes that can communicate with each other. The blockchain nodes can be divided into a blockchain light node and a blockchain full node, the blockchain full node refers to a blockchain node that synchronizes all blockchain data, and the blockchain light node refers to a blockchain node that only stores the blockchain data related to itself. Therefore, each blockchain node in the blockchain network can store a same blockchain, or can only store the blockchain constructed by the data generated by the corresponding blockchain node itself, but the blockchain nodes in the blockchain network can transmit data through the communication connection between each other to realize data sharing between the blockchain nodes. Therefore, the computer device in the embodiment of the present application can realize obtaining the historical business data from the blockchain network. In actual application, the blockchain network can also be understood as a data sharing system, and the blockchain nodes are nodes in the data sharing system. Specifically, the node can be a client or an application program or an electronic device in the data sharing system. Each node can receive input information when working normally, and can maintain shared data in the data sharing system based on the received input information. Exemplarily, the structure of the data sharing system or the structure of the blockchain network can be seen from Figure 1b The blockchain network can include a plurality of blockchain nodes, such as blockchain node 111, blockchain node 112, and blockchain node 113, etc. In the actual application of the embodiment of the present application, different blockchain nodes can be business providers of different insurance businesses, such as blockchain node 111 representing insurance agency A, and blockchain node 112 representing insurance agency B; in other implementation manners, different blockchain nodes can also be business providers of different businesses, such as blockchain node 111 representing insurance agency A, and blockchain node 113 representing medical agency a or maintenance agency b, etc.

[0046] Based on the above explanation of blockchain technology and related definitions, it should be noted that, in one implementation, the computer device in the embodiments of this application may be a terminal device or server that establishes a communication connection with a blockchain network, and the computer device may be used as a blockchain node in the blockchain network. When the computer device is a terminal device, the computer device may include, but is not limited to, smartphones, tablet computers, laptop computers, desktop computers, vehicle-mounted terminals, smart TVs, etc. The terminal device may also run a variety of client applications (APPs), such as blockchain clients, multimedia playback clients, social networking clients, browser clients, information flow clients, education clients, image processing clients, and insurance business processing clients. When the blockchain client is running, the terminal device can function as a blockchain node. The insurance business processing client can be used to generate one or more of an insurance application request and a claims settlement request for an insured person, and can also be used to respond to the corresponding business requests to perform the corresponding business processing. When the computer device is a server, the computer device may include but is not limited to: an independent physical server, a server cluster or distributed system composed of multiple physical servers, and a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and basic cloud computing services such as big data and artificial intelligence platforms, etc. The embodiments of the present application do not impose specific restrictions on this.

[0047] See Figure 2 , Figure 2 This is a flow chart of a business processing method provided by an embodiment of the present application, which can be executed by the computer device mentioned above. Figure 2 As shown, the method may at least include steps S201-S208:

[0048] S201. Obtain an insurance business processing request for an insured object, where the insurance business processing request carries a decentralized identity identifier of the insured object.

[0049] In a specific embodiment, the insured object refers to an object with insurance business needs, and insurance can be understood as the process of the insured object and the insurance institution signing an insurance contract. The insurance business request for the insured object can be generated by the client for handling the insurance business, and the decentralized identity carried in the insurance business processing request is used to indicate the insured object served by the insurance business. In one implementation method, the structure of the decentralized identity can be as follows: Figure 3 As shown in the structure marked by 301. Figure 3 It can be seen that DID can be divided into three parts. The first part (i.e. Figure 3The DID (Decentralized Identifier) can be understood as a computer protocol for generating a DID, and the first part is generally fixed, i.e., the first part of the decentralized identifier is did. The second part (i.e. Figure 3 The DID method (in the example) is an identifier for indicating a DID method, which is generally the name of the DID method. In the embodiment of the present application, the DID method can be a method customized according to business requirements, which can be used after being registered to the W3C website. The third part (i.e. Figure 3 The XXXXXXXX (in the example) is a specific identifier for identifying an entity in the DID method, which is unique in the entire DID method namespace. The entity can include but is not limited to a person, an article, and a machine.

[0050] In an implementation manner, the decentralized identifier can be a DID generated by an identity management device (or: DID service provider) based on a decentralized identity generation standard, which can be, for example, W3C (World Wide Web Consortium), DIF (Decentralized Identity Foundation), or IETF (Internet Engineering Task Force), etc. The present embodiment does not limit this. Specifically, the identity management device can generate a decentralized identifier for the insurance object after receiving a decentralized identifier registration request for the insurance object. In order to ensure information security and comply with legal requirements, the identity information of the insurance object can be verified before the decentralized identifier is generated for the insurance object. At this time, the decentralized identifier registration request can carry the identity information (such as real-name information) of the insurance object, which can be input by the insurance object or authorized by the insurance object to be obtained from a target storage address by the identity management device. The present embodiment does not limit this. When the identity management device obtains the identity information of the insurance object, the identity management device can call an information verification interface of an authoritative agency (such as an operator, a government agency, etc.) to verify the identity information of the insurance object, so as to generate a decentralized identifier for the insurance object according to the corresponding identity generation standard after verification.

[0051] In an implementation manner, in order to enable the computer device to store the related business data of the insurance object in association with the decentralized identity of the insurance object in the blockchain network, after the identity management device generates the decentralized identity of the insurance object, the computer device can register a blockchain address for the decentralized identity of the insurance object in the blockchain network, so as to assign the blockchain address to the decentralized identity. The blockchain address can be understood as the identity of the insurance object in the blockchain network. The blockchain address assigned to the insurance object based on the decentralized identity of the insurance object not only enables the insurance object to be stored in association with the related business data of the insurance object, but also avoids the identity information of the insurance object being obtained by the blockchain network, thereby effectively ensuring the security of the identity information of the insurance object.

[0052] S202, obtain historical business data associated with the decentralized identity from the blockchain network, the blockchain network comprising a plurality of blockchain nodes having a first business attribute, the first business attribute indicating that the corresponding blockchain node has the ability to process the insurance business, and the historical business data comprising business data generated by at least one blockchain node having the first business attribute in an insurance interaction process with the insurance object in a historical time period.

[0053] In an implementation manner, the blockchain network comprises a plurality of blockchain nodes, and the plurality of blockchain nodes can comprise a plurality of blockchain nodes having a first business attribute. The ability of the different blockchain nodes having the first business attribute to process the insurance business can be different. For example, it is assumed that the blockchain network comprises N blockchain nodes having the first business attribute. Among the N blockchain nodes, the insurance business provided by the blockchain node i and the blockchain node j (i≠j, and i and j are positive integers) can be different. For example, the insurance business provided by the blockchain node i can at least include the insurance business of medical insurance, and the insurance business provided by the blockchain node j can at least include the insurance business of automobile insurance. Based on this, the historical business data of the insurance object can include business data generated by the insurance object in at least one insurance business in a historical time. The process of generating the business data is the process of the corresponding blockchain node interacting with the insurance object. For example, the insurance interaction can include one or more of insurance purchase (i.e., insurance), insurance claim, and insurance policy drafting. Correspondingly, the historical business data can include one or more of historical insurance business data, historical claim business data, and historical insurance policy data.

[0054] S203, performing risk assessment on the insurance object based on the historical business data according to a preset risk assessment rule, to obtain a risk assessment result, the risk assessment result being used to indicate whether to allow the insurance object to be provided with the insurance business.

[0055] In specific embodiments, the historical business data of the insurance object can at least include historical underwriting business data and historical claim business data, and the risk assessment of the insurance object based on the historical business data according to the preset risk assessment rule helps the insurance institution served by the computer device to identify the risk of the insurance object's underwriting behavior, thereby avoiding the insurance object's fraudulent behavior and protecting the insurance institution's financial benefits. Since the historical business data can be generated by a plurality of blockchain nodes with a first business attribute, and different blockchain nodes in the plurality of blockchain nodes handle different underwriting businesses, that is, the historical business data of the insurance object can be generated by multiple insurance institutions. Therefore, the application embodiments share the business data in the insurance industry to a certain extent, avoiding the data island phenomenon in the insurance business, so that the computer device can obtain more business data related to the insurance object, thereby reducing the difficulty of the computer device in identifying the risk of the insurance object, and improving the efficiency of the computer device in executing the underwriting business processing to a certain extent.

[0056] In addition, in the embodiments of the present application, the preset risk assessment rule is set by the computer device according to the business requirements of the corresponding underwriting business, and the computer device can analyze whether the insurance object's underwriting behavior is honest according to the preset risk assessment rule and the historical business data of the insurance object, and can refuse to provide underwriting business for the insurance object when there is a fraud risk in the insurance object's underwriting behavior. For example, the computer device can assess the risk level of the insurance object according to the preset risk assessment rule and the historical business data. The higher the risk level, the higher the probability of fraudulent behavior of the insurance object, so that the computer device can generate a risk assessment result indicating that the insurance object is not allowed to provide underwriting business when the risk level is higher than the preset level, and vice versa.

[0057] S204, when the risk assessment result indicates that the insurance object is allowed to provide underwriting business, the insurance object is processed based on the historical business data to obtain the insurance object's underwriting business data.

[0058] In one implementation, the computer device processing the underwriting business of the insurance object can include determining the resource consumption of the insurance object and / or formulating the claim rules for the insurance object. The resource consumption can be understood as the amount of funds required by the insurance object when underwriting. Correspondingly, the underwriting business data generated by the computer device can include one or more of the following: claim rules formulated for the insurance object, resource consumption recognized by the insurance object, and other interaction data (such as underwriting time and underwriting method, etc.).

[0059] S205, establish an association between the insurance business data and the decentralized identity, and publish the insurance business data associated with the decentralized identity to the blockchain network.

[0060] In specific embodiments, based on the foregoing, after the identity management device generates a decentralized identity for the insurance object, the computer device can assign a corresponding blockchain address to the decentralized identity, so that the related business data of the insurance object can be stored in the blockchain network through the blockchain address. Therefore, when establishing the association between the insurance business data and the decentralized identity, the computer device can first obtain the blockchain address corresponding to the decentralized identity, and then store the blockchain address and the insurance business data in association, so as to publish the insurance business data associated with the decentralized identity to the blockchain network, so that the insurance business data can be found through the decentralized identity.

[0061] S206, obtain a claim business request of the insurance object, the claim business request carrying the decentralized identity of the insurance object.

[0062] The claim business refers to the business of reimbursing or subsidizing the expenses of the insurance object according to the corresponding insurance information after the insurance object has been insured. That is, when performing the claim business processing, the computer device needs to refer to the insurance information of the insurance object, and the insurance information of the insurance object is associated with the decentralized identity of the insurance object. Therefore, the claim business request of the insurance object can carry the decentralized identity.

[0063] S207, obtain reference business data associated with the decentralized identity from the blockchain network.

[0064] In specific embodiments, the reference business data is data required by the computer device when performing the claim business processing. The data category of the reference business data varies depending on the category of the claim business. For example, when the claim business is medical claim, the reference business data can include the historical medical data of the insurance object, and when the claim business is article claim, the reference business data can include one or both of the historical repair data and the historical purchase data of the related article. The reference business data can be generated by a blockchain node with a second business attribute in the blockchain network. The second business attribute indicates that the corresponding blockchain node has the ability to generate reference business data for the insurance object. For example, the blockchain node with the second business attribute can be used to provide one or more of medical services, repair services, and purchase services for the insurance object. Correspondingly, the service agency or service platform corresponding to the blockchain node with the second business attribute can be a medical agency, a repair agency, or a shopping platform.

[0065] S208, performing a claim settlement service on the insurance object according to the insurance business data and the obtained reference business data, and obtaining a claim settlement result of the insurance object.

[0066] In specific embodiments, the insurance business data used in the claim settlement service is mainly used to confirm the claim settlement rules applicable to the insurance object, and the reference business data is used as the basis for the claim settlement of the insurance object. Generally, the reference business data includes the consumption limit or loss limit of the insurance object. In actual application, the computer device can determine the claim settlement limit that the insurance object should obtain according to the consumption limit (and / or loss limit) in the reference business data and the claim settlement rules indicated by the insurance business data, thereby realizing the claim settlement of the insurance object.

[0067] In the embodiments of the present application, the insurance business request and the claim settlement service request both carry the decentralized identity of the insurance object, so as to obtain the business data related to the insurance object based on the decentralized identity to perform the service processing. The generation technology of the decentralized identity can avoid any third party to master the identity information of the insurance object, so that the security of the identity information of the insurance object can be guaranteed. In the process of performing the insurance business processing, the computer device first obtains the historical business data associated with the centralized identity from the blockchain network, and performs risk assessment on the insurance object based on the historical business data according to the preset risk assessment rules, so that the computer device can have certain understanding of the insurance object when performing the insurance for the insurance object, avoiding the problem of information asymmetry between the insurance object and the insurance business provider, effectively balancing the information symmetry between the insurance object and the insurance institution, and improving the risk identification ability of the insurance institution. To some extent, it can also avoid the computer device to perform insurance for the insurance object with high risk, thereby ensuring the fund safety of the insurance business provider. In addition, in the embodiments of the present application, the historical business data of the insurance object and the reference business data are respectively generated by one or more blockchain nodes with different business attributes in the blockchain network, and the blockchain nodes with different business attributes usually belong to different types of business institutions. It can be seen that the embodiments of the present application can realize data sharing among various business institutions in the insurance field, facilitate the computer device to obtain the business data, and thereby improve the business processing efficiency of the computer device.

[0068] Based on the above description of the insurance business request and the claim settlement service request, Figure 2 the embodiments of the present application also provide another kind of service processing method. Please refer to Figure 4 , Figure 4 is a flowchart of the service processing method provided by the embodiments of the present application. As Figure 4 shown, the method can at least include steps S401-S409:

[0069] S401, obtain an insurance object's insurance business processing request, the insurance business processing request carrying a decentralized identity of the insurance object.

[0070] In an embodiment, the related implementation of step S401 can refer to the embodiment of step S201, which will not be repeated here.

[0071] S402, obtain permission information associated with the decentralized identity, the permission information being used to indicate a data type of business data allowed to be obtained.

[0072] In an implementation, to ensure the security of the related business data of the insurance object, the computer device can verify whether it is authorized by the insurance object to obtain the historical business data of the insurance object after obtaining the insurance business request. In actual application, the computer device in the embodiment of the present application can only obtain the historical business data to which the insurance object authorizes the related data obtaining permission. Specifically, the computer device can first obtain the permission information associated with the decentralized identity, the permission information being used to indicate a data type of business data allowed to be obtained by the computer device, so that the computer device obtains the historical business data in the data type indicated by the permission information from the blockchain network. The permission information can be stored in the identity management device or in the computer device. The data type indicated by the permission information can be divided according to the node identifier of the blockchain node generating the business data, or according to the data format type, or according to the data generation time, etc., which is not limited in the embodiment of the present application. To balance the security of the historical business data and the efficiency of the insurance business processing, when the data type indicated by the permission information obtained by the computer device is not enough to implement the insurance business, the computer device can apply for the related permission from the insurance object, and trigger to obtain the historical business data in the related data type after receiving the permission proof of the insurance object to the related permission.

[0073] In an implementation manner, in order to ensure that the insurance object has the right to apply for insurance, the computer device can first perform identity verification on the insurance object based on the decentralized identity. Specifically, the computer device can first initiate an identity verification request to the identity management device according to the decentralized identity, so that the identity management device performs identity verification on the insurance object based on the decentralized identity by calling an identity verification service, and feeds back an identity verification result to the computer device. Wherein, the identity management device verifies whether the insurance object has the condition of initiating the insurance business request in the following one or more ways: verifying whether the decentralized identity is generated by the identity management device for the insurance object, verifying the validity of the decentralized identity at the current time. That is, the main purpose of identity verification is to determine whether the insurance object has the condition of initiating the insurance business request, and if the identity verification result received by the computer device indicates that the insurance object is allowed to initiate the insurance business request, the computer device is triggered to execute the step of obtaining the historical business data of the decentralized identity from the blockchain network.

[0074] S403, from the business data associated with the decentralized identity included in the blockchain network, obtain the historical business data of the data type indicated by the permission information, the blockchain network includes a plurality of blockchain nodes with a first business attribute, the first business attribute indicates that the corresponding blockchain node has the ability to process the insurance business, and the historical business data includes business data generated by at least one blockchain node with the first business attribute in the historical time period during the insurance interaction process with the insurance object.

[0075] S404, according to a preset risk assessment rule, perform risk assessment on the insurance object based on the historical business data, and obtain a risk assessment result, the risk assessment result is used to indicate whether the insurance object is allowed to provide the insurance business.

[0076] In specific embodiments, the related implementation manners of steps S403 to S404 can refer to the specific embodiments of steps S202 and S203, which will not be described here.

[0077] S405, when the risk assessment result indicates that the insurance object is allowed to provide the insurance business, performing insurance business processing on the insurance object based on the historical business data, and obtaining insurance business data of the insurance object.

[0078] In an implementation, the computer device can determine a resource consumption amount for the insurance object and / or formulate a claim rule for the insurance object in the insurance business processing. The resource consumption amount can be understood as the amount of funds spent by the insurance object in the insurance business processing. Generally, the resource consumption amount of the insurance object is related to the object quality of the insurance object. The higher the resource consumption amount, the lower the object quality of the insurance object. The object quality can be determined according to historical business data of the insurance object. In this case, the computer device can first evaluate the quality of the insurance object according to the historical business data to obtain a quality evaluation result of the insurance object. The quality evaluation result is used to indicate the probability of obtaining a benefit after providing the insurance business for the insurance object. Further, the computer device can generate the resource consumption amount of the insurance object according to the probability indicated by the quality evaluation result according to a preset premium setting rule, and further generate the insurance information containing the resource consumption amount. The preset premium setting rule is used to define the corresponding relationship between the probability indicated by the quality evaluation result and the reference resource consumption amount, so that the computer device can take the reference resource consumption amount corresponding to the probability indicated by the quality evaluation result of the insurance object as the resource consumption amount of the insurance object. In addition, the insurance information containing the resource consumption amount can be sent to the insurance device, so that the computer device can generate the insurance business data of the insurance object after receiving the confirmation operation of the insurance device for the insurance information. The insurance business data at least includes the insurance information. The insurance device is a device used by the insurance object to initiate an insurance business processing request. The insurance device can include a client, a webpage, an application program, etc. The insurance device can run in any electronic device. The electronic device can be a terminal device or a server. The embodiments of the present application do not limit this.

[0079] In an implementation, to ensure that the insurance business data can be traced back to the relevant insurance device and the authenticity of the insurance business data is verified, the insurance business data generated by the computer device can at least include signature data and insurance information. The signature data can be, for example, a digital signature of the insurance object associated with the insurance business data. The signature data is mainly used to assist the relevant insurance device in verifying the validity of the insurance business data when the insurance business data is needed. The validity can include whether the insurance business data is the business data of the corresponding insurance object, and / or whether the insurance information in the insurance business data is the insurance information confirmed by the insurance object. In a specific application, the signature data can be generated by the insurance device, and the generation method can be as follows: the insurance device first generates a hash value based on the insurance information using a hash function, and encrypts the generated hash value using the signature encryption parameter associated with the decentralized identity of the insurance object to obtain the signature data of the insurance object. The hash value generated by the insurance device is used to uniquely identify the corresponding insurance information, that is, the hash values generated by the insurance device for different insurance information are not the same, so that the relevant insurance device can determine whether the obtained insurance business information is tampered with by comparing whether the first hash value and the second hash value are the same. The first hash value refers to the hash value obtained by parsing the signature data in the obtained insurance business data. The second hash value refers to the hash value generated based on the insurance information in the obtained insurance business data using the hash function. If the first hash value and the second hash value are different, it means that the insurance information in the obtained insurance business data has been tampered with, and is not the insurance information confirmed by the insurance object, and thus the obtained insurance business data is not authentic. Conversely, it means that the obtained insurance business data is authentic. Using the embodiment of the present application can effectively avoid fraudulent insurance behaviors caused by data fraud, thereby ensuring the safety of the funds of the insurance business execution agency (i.e., the insurance agency).

[0080] S406, establish an association between the insurance business data and the decentralized identity, and publish the insurance business data associated with the decentralized identity to the blockchain network.

[0081] S407, obtain a claim business request of the insurance object, the claim business request carrying the decentralized identity of the insurance object.

[0082] In specific embodiments, the implementation of steps S406 to S407 can refer to the description of steps S205 and S206, which will not be repeated here.

[0083] S408, obtain reference business data associated with the decentralized identity from the blockchain network.

[0084] In an implementation manner, when obtaining the reference service data, the computer device can first obtain signature data of the reference service data from the blockchain network, and the signature data can be used to verify the authenticity of the reference service data, so that the computer device can perform claim settlement based on the real reference service data when performing the claim settlement, thereby avoiding the insurance object from implementing fraudulent insurance behavior by forging the reference service data, and ensuring the safety of the insurance asset corresponding to the computer device. In actual application, the signature data of the reference service data is obtained by encrypting the reference service data based on a signature encryption parameter of a target blockchain node. The target blockchain node refers to a blockchain node in the blockchain network for generating the reference service data. In actual application, the target blockchain node can include any blockchain node with a second service attribute, and one way of encrypting the reference service data based on the signature encryption parameter of the target blockchain node can be to directly encrypt the reference service data by using the signature encryption parameter to obtain encrypted reference service data as the signature data. At this time, the signature data is the encryption data corresponding to the reference service data, so that the computer device can decrypt the signature data by using the signature decryption parameter of the target blockchain node after obtaining the signature decryption parameter, and if the decryption is successful, the reference service data can be restored to trigger step S409.

[0085] Alternatively, another way of encrypting the reference service data based on the signature encryption parameter of the target blockchain node can be to generate a hash value of the reference service data based on the reference service data by using a hash function, and to encrypt the hash value by using the signature encryption parameter of the target blockchain node to obtain encrypted data as the signature data of the reference service data. At this time, the signature data of the reference service data is used to verify the authenticity of the reference service data. Specifically, when obtaining the reference service data from the blockchain network, the computer device can also obtain the signature data of the reference service data to decrypt the signature data after obtaining the signature decryption parameter of the target blockchain node. If the decryption is successful, it means that the reference service data is data in the target blockchain node and has a certain authenticity, thereby triggering step S409. In actual application, since different reference service data corresponds to different generated hash values, the hash value can be used to identify the reference service data, so that the computer device can generate a hash value based on the obtained reference service data after obtaining the reference service data, and further determine whether the obtained reference service data is real service data by comparing the generated hash value with the hash value in the signature data, for example, when they are consistent, it is considered that the obtained reference service data is real service data signed by the target blockchain node, and when they are inconsistent, it is considered that the obtained reference service data is fake service data.

[0086] S409, according to the insurance business data and the obtained reference business data, performing a claim settlement business processing on the insurance object to obtain a claim settlement result of the insurance object.

[0087] In one embodiment, in order to facilitate clear and intuitive understanding of the above-mentioned Figure 2 and Figure 4 business processing method, the business processing method proposed by the embodiments of the present application is described below in combination with Figure 5 and specific examples.

[0088] As shown in Figure 5 , in one embodiment, before the insurance object initiates an insurance business processing request, the DID service provider (i.e., identity management device) needs to be registered for DID to obtain its own decentralized identity, and when the DID service provider generates the DID for the insurance object, it needs to verify the identity information such as real name information according to the identity information provided by the insurance object, and generate and return the decentralized identity of the insurance object after the verification is successful. In order to store the related business data of the insurance object in the blockchain network, the decentralized identity needs to be registered in the blockchain network to obtain the blockchain address associated with the decentralized identity. Thereafter, the insurance object can initiate an insurance business request to the insurance agency (such as insurance agency 1 or insurance agency 2) corresponding to any blockchain node in the blockchain network using the decentralized identity, and taking insurance agency 1 as an example, when the insurance agency 1 responds to the insurance business request, it can first verify the identity of the insurance object in the DID service provider to ensure that the insurance business can be provided for the insurance object. After the identity verification of the insurance object is passed, the insurance agency 1 can query the historical business data of the insurance object from the blockchain network to generate the insurance information of the insurance object, and the insurance information will be uploaded to the blockchain network for storage after being confirmed by the insurance object. Exemplarily, the insurance information can be stored in the blockchain full node of the blockchain network, of course, in other embodiments, the insurance information can also be stored in the blockchain light node of the blockchain network, such as the blockchain node corresponding to the insurance agency 1. The insurance object can also go to the medical agency based on the decentralized identity in the blockchain node corresponding to the medical agency, and the medical agency needs to obtain the signature data of the medical agency before the medical business data generated by the medical agency is stored on the chain. After the insurance agency 1 receives the claim settlement business request of the insurance object, the medical business data obtained can be checked, and if the check is passed, it means that the medical business data is the official data certified by the medical agency, which has high credibility, and then the insurance agency 1 can generate the claim settlement result according to the medical business data and the insurance information of the insurance object.

[0089] In the embodiments of the present application, the insurance business request and the claim business request both carry the decentralized identity of the insurance object, so as to obtain the business data related to the insurance object based on the decentralized identity to perform the business processing. The generation technology of the decentralized identity can avoid any third party to master the identity information of the insurance object, so that the security of the identity information of the insurance object can be guaranteed. In the process of performing the insurance business processing, the computer device first obtains the historical business data associated with the centralized identity from the blockchain network, and performs risk assessment on the insurance object based on the historical business data according to the preset risk assessment rule, so that the computer device can have certain understanding of the insurance object when performing the insurance for the insurance object, avoiding the problem of information asymmetry between the insurance object and the insurance business provider, effectively balancing the information symmetry between the insurance object and the insurance institution, and improving the risk identification ability of the insurance institution. To a certain extent, it can also avoid the computer device to perform the insurance for the insurance object with high risk, thereby ensuring the fund safety of the insurance business provider. In addition, in the embodiments of the present application, the historical business data and the reference business data of the insurance object are generated by one or more blockchain nodes with different business attributes in the blockchain network, and the blockchain nodes with different business attributes usually belong to different types of business institutions. It can be seen that the embodiments of the present application can realize the data sharing between various business institutions in the insurance field, facilitate the computer device to obtain the business data, and further improve the business processing efficiency of the computer device.

[0090] Based on the above description of the business processing method related to Figure 2 and Figure 4 , the embodiments of the present application also disclose a business processing device, which can be a computer device (including program code) running in the above-mentioned computer device. In specific embodiments, the business processing device can be used to perform the business processing method as shown in Figure 2 and Figure 4 . Please refer to Figure 6 , the business processing device at least includes an acquisition unit 601, a risk assessment unit 602, a processing unit 603, a publishing unit 604 and a claim unit 605.

[0091] The acquisition unit 601 is used to acquire the insurance business request of the insurance object, and the insurance business request carries the decentralized identity of the insurance object.

[0092] The obtaining unit 601 is further configured to obtain historical service data associated with the decentralized identity from a blockchain network, the blockchain network including a plurality of blockchain nodes having a first service attribute, the first service attribute indicating that a corresponding blockchain node has the capability of processing an insurance application service, and the historical service data including service data generated by at least one blockchain node having the first service attribute in an insurance interaction process with the insurance object in a historical time period;

[0093] The risk assessment unit 602 is configured to perform risk assessment on the insurance object based on the historical service data according to a preset risk assessment rule, to obtain a risk assessment result, the risk assessment result being used to indicate whether the insurance object is allowed to be provided with the insurance application service;

[0094] The processing unit 603 is configured to perform the insurance application service processing on the insurance object based on the historical service data when the risk assessment result indicates that the insurance object is allowed to be provided with the insurance application service, to obtain insurance application service data of the insurance object.

[0095] The publishing unit 604 is configured to establish an association between the insurance application service data and the decentralized identity, and publish the insurance application service data associated with the decentralized identity to the blockchain network.

[0096] The obtaining unit 601 is further configured to obtain a claim service request of the insurance object, the claim service request carrying the decentralized identity of the insurance object.

[0097] The obtaining unit 601 is further configured to obtain reference service data associated with the decentralized identity from the blockchain network, the reference service data being data required for reference in claim service processing, and the reference service data being generated by a blockchain node having a second service attribute, the second service attribute indicating that a corresponding blockchain node has the capability of generating reference service data for the insurance object, and the blockchain network including at least one blockchain node having the second service attribute.

[0098] The claim unit 605 is configured to perform claim service processing on the insurance object according to the insurance application service data and the obtained reference service data, to obtain a claim result of the insurance object.

[0099] In an implementation manner, the obtaining unit 601 can be further configured to perform the following operations:

[0100] obtain signature data of the reference service data from the blockchain network, the signature data being obtained by encrypting the reference service data based on signature encryption parameters of the target blockchain node, the target blockchain node including any blockchain node having a second service attribute;

[0101] The claim processing unit 605 can also be configured to perform:

[0102] obtain signature decryption parameters of the target blockchain node;

[0103] decrypt the signature data of the reference service data using the signature decryption parameters;

[0104] if the decryption is successful, trigger execution of the claim processing service on the insurance object based on the insurance application data and the obtained reference service data, to obtain a claim result of the insurance object.

[0105] In yet another embodiment, the processing unit 603 can be specifically configured to perform:

[0106] perform quality evaluation on the insurance object based on the historical service data, to obtain a quality evaluation result of the insurance object, the quality evaluation result indicating a probability of obtaining a benefit after providing the insurance application service to the insurance object;

[0107] generate a resource consumption amount of the insurance object according to the probability indicated by the quality evaluation result, according to a preset valuation formulation rule, the resource consumption amount being in a negative correlation with the probability indicated by the quality evaluation result;

[0108] generate insurance application information, and send the insurance application information to an insurance application device, the insurance application information at least including the resource consumption amount;

[0109] after receiving a confirmation operation of the insurance application device on the insurance application information, generate insurance application data of the insurance object, the insurance application data at least including the insurance application information.

[0110] In yet another embodiment, the insurance application data includes signature data, the signature data being used to verify validity of the insurance application data when the insurance application data is used; and the processing unit 603, when generating the insurance application data of the insurance object, is specifically configured to perform:

[0111] receive the signature data of the insurance object sent by the insurance device, the signature data of the insurance object being obtained by encrypting a hash value by the insurance device using a signature encryption parameter associated with the decentralized identity, the hash value being generated by the insurance device using a hash function according to the insurance information, and the hash value being used to uniquely identify the insurance information;

[0112] generate the insurance business data of the insurance object, the insurance business data at least including the insurance business data and the signature data of the insurance object.

[0113] In yet another implementation, the decentralized identity of the insurance object is generated by an identity management device; the obtaining unit 601 can further be configured to perform:

[0114] initiate an identity verification request to the identity management device according to the decentralized identity, so that the identity management device performs identity verification on the insurance object based on the decentralized identity;

[0115] receive an identity verification result sent by the identity management device, the identity verification result being used to indicate whether the insurance object is allowed to initiate the insurance business request;

[0116] when the identity verification result indicates that the insurance object is allowed to initiate the insurance business request, trigger the execution of the obtaining of the historical business data associated with the decentralized identity from the blockchain network.

[0117] In yet another implementation, the obtaining unit 601 can further be configured to perform:

[0118] obtain permission information associated with the decentralized identity, the permission information being used to indicate a data type of the allowed obtained business data;

[0119] obtain the historical business data of the data type indicated by the permission information from the business data associated with the decentralized identity included in the blockchain network.

[0120] According to an embodiment of the present application, Figure 2 and Figure 4 the steps involved in the method shown in Figure 6 may be performed by various units in the business processing device. For example, Figure 2 the steps S201 to S202 and the steps S206 to S207 shown in Figure 6 may be performed by the obtaining unit 601 in the business processing device, and the step S203 can be performed by the obtaining unit 601 in the business processing device. Figure 6The risk assessment unit 602 in the business processing apparatus shown can execute step S204, which can be executed by Figure 6 The processing unit 603 in the business processing apparatus shown can execute step S205, which can be executed by Figure 6 The publishing unit 604 in the business processing apparatus shown can execute step S208, which can be executed by Figure 6 The claim processing unit 605 in the business processing apparatus shown can execute. For example, Figure 4 The steps S401 to S403 and the steps S407 to S408 shown can be executed by Figure 6 The obtaining unit 601 in the business processing apparatus shown can execute step S404, which can be executed by Figure 6 The risk assessment unit 602 in the business processing apparatus shown can execute step S405, which can be executed by Figure 6 The processing unit 603 in the business processing apparatus shown can execute step S406, which can be executed by Figure 6 The publishing unit 604 in the business processing apparatus shown can execute step S409, which can be executed by Figure 6 The claim processing unit 605 in the business processing apparatus shown can execute.

[0121] According to another embodiment of the present application, Figure 6 The units in the business processing apparatus shown are divided based on logical functions. The units can be combined into one or several other units respectively or all, or some of the units can be further split into multiple units with smaller functions to achieve the same operation without affecting the implementation of the technical effects of the embodiments of the present application. In other embodiments of the present application, the business processing apparatus can include other units, and these functions can be assisted by other units in actual applications, and can be assisted by multiple units.

[0122] According to another embodiment of the present application, the business processing apparatus as shown in Figure 2 and Figure 4 The computer program (including program code) involved in each step of the method shown can be used to construct the business processing apparatus as shown in Figure 6 The business processing method of the embodiments of the present application. The computer program can be recorded on, for example, a computer storage medium, and loaded into the above-mentioned computing device through the computer storage medium, and run therein.

[0123] In the embodiment of the present application, the business request (including the insurance business request and the claim business request) carries the decentralized identity of the insurance object. In the process of executing the business processing, the obtaining unit 601 first obtains the related business data associated with the centralized identity from the blockchain network. Since the blockchain network includes a plurality of blockchain nodes of the first business attribute and a plurality of blockchain nodes of the second business attribute, the blockchain nodes of different business attributes are used to process different businesses or belong to different business institutions, so that the obtaining unit 601 can obtain the business data of multiple institutions based on the decentralized identity of the insurance object, so as to enable the processing unit 603 to provide business processing for the insurance object based on the business data of multiple institutions, thereby enriching the business information that the processing unit 603 can refer to when performing business processing for the insurance object, and effectively avoiding the problem of information inequality between the insurance object and the business provider. In addition, in the embodiment of the present application, various types of business data are stored in the blockchain network in association with the decentralized identity. The generation technology of the decentralized identity can avoid any third party from mastering the identity information of the insurance object. Therefore, the embodiment of the present application can also avoid the identity information of the insurance object from being mastered by the third party, thereby avoiding the leakage of the identity information and ensuring the security of the data.

[0124] Based on the related description of the above method embodiment and the device embodiment, the embodiment of the present application further provides a computer device, please refer to Figure 7 . The computer device at least includes a processor 701 and a computer storage medium 702, and the processor 701 and the computer storage medium 702 are connected through a bus or other means. Wherein, the above-mentioned computer storage medium 702 is a memory device in the computer device, used for storing programs and data. It can be understood that the computer storage medium 702 here can include the built-in storage medium in the computer device, and of course can also include the expansion storage medium supported by the computer device. The computer storage medium 702 provides a storage space, which stores the operating system of the computer device. And in the storage space, one or more computer programs suitable for being loaded and executed by the processor 701 are also stored, and these computer programs can be one or more program codes. It should be noted that the computer storage medium here can be a high-speed RAM memory, or a non-volatile memory such as at least one disk memory; optionally, it can also be at least one storage medium located away from the aforementioned processor. The processor 701 (or CPU (Central Processing Unit, Central Processing Unit)) is the computing core and control core of the computer device, which is suitable for implementing one or more computer programs, and is particularly suitable for loading and executing one or more computer programs to realize the corresponding method flow or corresponding function.

[0125] In one embodiment, one or more computer programs stored in the computer storage medium 702 can be loaded and executed by the processor 701 to implement the above-described methods in the method embodiments shown in Figure 2 and Figure 4 In a specific implementation, one or more computer programs in the computer storage medium 702 can be loaded and executed by the processor 701 to perform the following steps:

[0126] Obtain an insurance business request of an insurance object, the insurance business request carrying a decentralized identity of the insurance object;

[0127] Obtain historical business data associated with the decentralized identity from a blockchain network, the blockchain network including a plurality of blockchain nodes with a first business attribute, the first business attribute indicating that the corresponding blockchain node has the ability to process insurance business, and the historical business data including business data generated by at least one blockchain node with the first business attribute in a historical time period during an insurance interaction process with the insurance object;

[0128] Perform risk assessment on the insurance object based on the historical business data according to a preset risk assessment rule to obtain a risk assessment result, the risk assessment result being used to indicate whether to allow the insurance object to be provided with the insurance business;

[0129] When the risk assessment result indicates that the insurance object is allowed to be provided with the insurance business, perform insurance business processing on the insurance object based on the historical business data to obtain insurance business data of the insurance object;

[0130] Establish an association between the insurance business data and the decentralized identity, and publish the insurance business data associated with the decentralized identity to the blockchain network;

[0131] Obtain a claim business request of the insurance object, the claim business request carrying the decentralized identity of the insurance object;

[0132] Obtain reference business data associated with the decentralized identity from the blockchain network;

[0133] According to the insurance business data and the obtained reference business data, perform claim business processing on the insurance object to obtain a claim result of the insurance object.

[0134] In one embodiment, the processor 701 can be used to load and execute:

[0135] obtain signature data of the reference business data from the blockchain network, the signature data being obtained by encrypting the reference business data based on signature encryption parameters of the target blockchain node, the target blockchain node including any blockchain node having a second business attribute;

[0136] obtain signature decryption parameters of the target blockchain node;

[0137] decrypt the signature data of the reference business data using the signature decryption parameters;

[0138] if the decryption is successful, trigger execution of the claim settlement business processing of the insurance object according to the insurance application business data and the obtained reference business data, to obtain a claim settlement result of the insurance object.

[0139] In yet another implementation, the processor 701 can also be configured to load and execute:

[0140] perform quality evaluation of the insurance object according to the historical business data, to obtain a quality evaluation result of the insurance object, the quality evaluation result being used to indicate a probability of obtaining a benefit after providing the insurance application business for the insurance object;

[0141] generate a resource consumption amount of the insurance object according to the probability indicated by the quality evaluation result according to a preset premium setting rule, the resource consumption amount being in a negative correlation with the probability indicated by the quality evaluation result;

[0142] generate insurance application information, and send the insurance application information to an insurance application device, the insurance application information at least including the resource consumption amount;

[0143] after receiving a confirmation operation of the insurance application device on the insurance application information, generate insurance application business data of the insurance object, the insurance application business data at least including the insurance application information.

[0144] In yet another implementation, the insurance application business data includes signature data, the signature data being used to verify validity of the insurance application business data when the insurance application business data is used; the processor 701 can also be configured to load and execute:

[0145] receive the signature data of the insurance object sent by the insurance application device, the signature data of the insurance object being obtained by encrypting a hash value using signature encryption parameters associated with the decentralized identity, the hash value being generated by the insurance application device using a hash function according to the insurance application information, the hash value being used to uniquely identify the insurance application information;

[0146] The insurance object generates the insurance business data, and the insurance business data at least includes the insurance business data and signature data of the insurance object.

[0147] In another embodiment, the decentralized identity of the insurance object is generated by an identity management device; the processor 701 can further be configured to load and execute:

[0148] According to the decentralized identity, an identity verification request is initiated to the identity management device, so that the identity management device verifies the identity of the insurance object based on the decentralized identity;

[0149] The identity verification result sent by the identity management device is received, and the identity verification result is used to indicate whether the insurance object is allowed to initiate the insurance business request;

[0150] When the identity verification result indicates that the insurance object is allowed to initiate the insurance business request, the execution of the obtaining of the historical business data associated with the decentralized identity from the blockchain network is triggered.

[0151] In another embodiment, the processor 701 can further be configured to load and execute:

[0152] Obtain the permission information associated with the decentralized identity, and the permission information is used to indicate the data type of the allowed business data;

[0153] From the business data associated with the decentralized identity included in the blockchain network, the historical business data of the data type indicated by the permission information is obtained.

[0154] In the embodiment of the present application, the business request (including the insurance business request and the claim business request) carries the decentralized identity of the insurance object. In the process of executing the business processing, the computer device first obtains the related business data associated with the centralized identity from the blockchain network. Since the blockchain network includes a plurality of blockchain nodes of the first business attribute and the blockchain nodes of the second business attribute, the blockchain nodes of different business attributes are used to process different businesses or belong to different business institutions, so that the computer device can obtain the business data of multiple institutions based on the decentralized identity of the insurance object, and provide business processing for the insurance object based on the business data of multiple institutions. The computer device can enrich the business information that can be referred to when performing business processing for the insurance object, and effectively avoid the problem of information inequality between the insurance object and the business provider. In addition, in the embodiment of the present application, various types of business data are stored in the blockchain network in association with the decentralized identity. The generation technology of the decentralized identity can avoid any third party from mastering the identity information of the insurance object. Therefore, the embodiment of the present application can also avoid the identity information of the insurance object being mastered by the third party, thereby avoiding the leakage of the identity information and ensuring the security of the data.

[0155] The present application also provides a computer storage medium, which stores one or more computer programs corresponding to the business processing method described above. When one or more processors load and execute the one or more computer programs, the description of the business processing method in the embodiment can be implemented, which will not be described here. The beneficial effects of the same method will not be described here. It can be understood that the computer program can be deployed on one or more devices capable of communicating with each other to execute.

[0156] It should be noted that according to one aspect of the embodiment of the present application, a program product or computer program is also provided, which includes a computer program stored in a computer storage medium. The processor in the computer device reads the computer program from the computer storage medium, and then executes the computer program, so that the computer device can execute the business processing method described above Figure 2 and Figure 4 The method provided in various optional modes of the embodiment of the business processing method shown in the aspect.

[0157] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by a computer program instructing relevant hardware. The computer program can be stored in a computer storage medium. When the computer program is executed, the computer program can include the processes of the above-mentioned business processing method embodiments. The computer storage medium can be a magnetic disc, an optical disc, a read-only memory (ROM), a random access memory (RAM), or the like.

[0158] It can be understood that the above only discloses partial embodiments of the present application, and of course cannot limit the scope of the present application. Those skilled in the art can understand that all or part of the processes of the above-mentioned embodiments can be implemented, and equivalent changes made according to the claims of the present application still fall within the scope of the present application.

Claims

1. A service processing method characterized by, The method comprises the following steps: acquire an insurance object's insurance business request, the insurance business request carries the insurance object's decentralized identity; acquire the history business data associated with the decentralized identity from a blockchain network, the blockchain network comprises a plurality of blockchain nodes with a first business attribute, the first business attribute indicates that the corresponding blockchain node has the ability to process insurance business, and the history business data comprises business data generated by at least one blockchain node with the first business attribute in the process of insurance interaction with the insurance object in a historical time period; perform risk assessment on the insurance object based on the history business data according to a preset risk assessment rule, and obtain a risk assessment result, the risk assessment result is used to indicate whether to allow providing the insurance object with insurance business; when the risk assessment result indicates that the insurance object is allowed to be provided with insurance business, perform insurance business processing on the insurance object based on the history business data, and obtain the insurance object's insurance business data; establish an association between the insurance business data and the decentralized identity, and publish the insurance business data associated with the decentralized identity to the blockchain network; acquire a claim business request of the insurance object, the claim business request carries the insurance object's decentralized identity; acquire reference business data associated with the decentralized identity from the blockchain network, the reference business data is data required for reference when performing claim business processing, and the reference business data is generated by a blockchain node with a second business attribute, the second business attribute indicates that the corresponding blockchain node has the ability to generate reference business data for the insurance object, and the blockchain network comprises at least one blockchain node with the second business attribute; perform claim business processing on the insurance object according to the insurance business data and the acquired reference business data, and obtain a claim result of the insurance object.

2. The method of claim 1, wherein, The method further comprises the following steps: acquire the signature decryption parameter of the target blockchain node; decrypt the signature data of the reference business data by using the signature decryption parameter; if the decryption is successful, trigger the execution of the claim business processing on the insurance object according to the insurance business data and the acquired reference business data, and obtain the claim result of the insurance object. The method further comprises the following steps: ​ 3. The method of claim 1, wherein, ​ According to the historical business data, quality evaluation is performed on the insurance object, and a quality evaluation result of the insurance object is obtained, the quality evaluation result being used to indicate a probability of obtaining a benefit after the insurance object is provided with the insurance business; According to a preset premium setting rule, a resource consumption amount of the insurance object is generated according to the probability indicated by the quality evaluation result, the resource consumption amount being in a negative correlation with the probability indicated by the quality evaluation result; Insurance information is generated and sent to an insurance device, the insurance information at least including the resource consumption amount; After receiving a confirmation operation of the insurance device for the insurance information, insurance business data of the insurance object is generated, the insurance business data at least including the insurance information.

4. The method of claim 3, wherein, The insurance business data includes signature data, the signature data being used to verify validity of the insurance business data when the insurance business data is used; and the generation of the insurance business data of the insurance object includes: The signature data of the insurance object sent by the insurance device is received, the signature data of the insurance object being obtained by encrypting a hash value by using a signature encryption parameter associated with the decentralized identity of the insurance object by the insurance device, the hash value being generated by using a hash function according to the insurance information by the insurance device, the hash value being used to uniquely identify the insurance information; The insurance business data of the insurance object is generated, the insurance business data at least including the insurance business data and the signature data of the insurance object.

5. The method of claim 1, wherein, The decentralized identity of the insurance object is generated by an identity management device; and the method further includes: An identity verification request is initiated to the identity management device according to the decentralized identity, so that the identity management device performs identity verification on the insurance object based on the decentralized identity; An identity verification result sent by the identity management device is received, the identity verification result being used to indicate whether the insurance object is allowed to initiate the insurance business request; When the identity verification result indicates that the insurance object is allowed to initiate the insurance business request, the obtaining of the historical business data associated with the decentralized identity from the blockchain network is triggered.

6. The method according to claim 1 or 5, characterized in that, The obtaining of the historical business data associated with the decentralized identity from the blockchain network includes: Permission information associated with the decentralized identity is obtained, the permission information being used to indicate a data type of allowed obtained business data; From business data associated with the decentralized identity included in the blockchain network, historical business data of the data type indicated by the permission information is obtained.

7. A service processing apparatus characterized by comprising: includes: An obtaining unit is configured to obtain an insurance business request of an insurance object, the insurance business request carrying a decentralized identity of the insurance object; The acquisition unit is further configured to acquire historical service data associated with the decentralized identity from a blockchain network, the blockchain network comprising a plurality of blockchain nodes having a first service attribute, the first service attribute indicating that a corresponding blockchain node has the capability of processing an insurance application service, and the historical service data comprising service data generated by at least one blockchain node having the first service attribute in an insurance interaction process with the insurance object in a historical time period; a risk assessment unit configured to perform risk assessment on the insurance object based on the historical service data according to a preset risk assessment rule, and obtain a risk assessment result, the risk assessment result being used to indicate whether to allow the insurance object to be provided with the insurance application service; a processing unit configured to perform the insurance application service processing on the insurance object based on the historical service data when the risk assessment result indicates that the insurance object is allowed to be provided with the insurance application service, and obtain insurance application service data of the insurance object; a publishing unit configured to establish an association between the insurance application service data and the decentralized identity, and publish the insurance application service data associated with the decentralized identity to the blockchain network; The acquisition unit is further configured to acquire a claim service request of the insurance object, the claim service request carrying the decentralized identity of the insurance object; The acquisition unit is further configured to acquire reference service data associated with the decentralized identity from the blockchain network, the reference service data being data required for reference in claim service processing, and the reference service data being generated by a blockchain node having a second service attribute, the second service attribute indicating that a corresponding blockchain node has the capability of generating reference service data for the insurance object, and the blockchain network comprising at least one blockchain node having the second service attribute; a claim unit configured to perform claim service processing on the insurance object according to the insurance application service data and the acquired reference service data, and obtain a claim result of the insurance object.

8. A computer device, comprising: comprise: a processor configured to implement one or more computer programs; a computer storage medium storing one or more computer programs, the one or more computer programs being adapted to be loaded and executed by the processor to perform the service processing method according to any one of claims 1-6.

9. A computer storage medium, characterized in that The computer storage medium stores one or more computer programs, and the one or more computer programs are adapted to be loaded and executed by the processor to perform the service processing method according to any one of claims 1-6.

10. A program product, characterized by The program product comprises a computer program, and the computer program is adapted to be loaded and executed by the processor to perform the service processing method according to any one of claims 1-6.

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