Insurance service processing method and device based on block chain, equipment and medium

Abstract

The invention discloses an insurance service processing method and device based on a block chain. The method comprises the following steps: acquiring qualification materials sent by a requester for a specified type of insurance service; inputting the qualification material and the credibility proof data corresponding to the qualification material into an insurance business processing model, calculating the credibility of the qualification material through the insurance business processing model, and generating an insured qualification report based on the credibility of the qualification material; if the insured qualification of the requester is approved based on the insured qualification report, sending a contract file corresponding to a specified type of insurance service to the requester; and after the requester confirms the contract file, carrying out uplink storage on insurance policy information corresponding to the specified type of insurance service. According to the method, double auditing of the insured qualification of the requester is realized in combination with the insurance service processing model, the accuracy and efficiency of insured qualification auditing can be effectively improved, and the user experience is greatly improved.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular to a blockchain-based insurance business processing method and apparatus, equipment, and medium. Background Art

[0002] Insurance refers to the commercial activity of establishing an insurance fund with concentrated insurance premiums to compensate the insured for losses caused by natural disasters or accidents, or to assume the responsibility of paying insurance money to individuals due to death, disability, illness or reaching the age limit agreed in the contract.

[0003] In the traditional insurance signing process, after the insured applies for insurance or files a claim for an already signed policy and uploads relevant information, the insurance company will spend a lot of manpower to review the relevant information. It takes a lot of time and money to conduct manual review, which will result in a slow review rate and a high error rate. In addition, manual review will inevitably be affected by human factors, which in turn affects the authenticity and accuracy of the review results. Summary of the invention

[0004] To solve the above technical problems, the embodiments of the present application provide a blockchain-based insurance business processing method and device, an electronic device, a computer-readable storage medium, and a computer program product.

[0005] According to one aspect of an embodiment of the present application, a blockchain-based insurance business processing method is provided, including: obtaining qualification materials sent by a requester for a specified type of insurance business; inputting the qualification materials and trusted proof data corresponding to the qualification materials into an insurance business processing model, so as to calculate the credibility of the qualification materials based on the qualification materials and the trusted proof data through the insurance business processing model, and generate an insurance qualification report based on the credibility of the qualification materials; if the insurance qualification of the requester is approved based on the insurance qualification report, sending a contract document corresponding to the specified type of insurance business to the requester; after the requester confirms the contract document, the policy information corresponding to the specified type of insurance business is stored on the chain.

[0006] According to one aspect of an embodiment of the present application, a blockchain-based insurance business processing device is provided, including: an acquisition unit, used to acquire qualification materials sent by a requester for a specified type of insurance business; a pre-processing unit, used to input the qualification materials and trusted proof data corresponding to the qualification materials into an insurance business processing model, so as to calculate the credibility of the qualification materials based on the qualification materials and the trusted proof data through the insurance business processing model, and generate an insurance qualification report based on the credibility of the qualification materials; an audit unit, used to send a contract document corresponding to the specified type of insurance business to the requester if the insurance qualification of the requester is audited and approved based on the insurance qualification report; a processing unit, used to store the policy information corresponding to the specified type of insurance business on the chain after the requester confirms the contract document.

[0007] According to one aspect of an embodiment of the present application, an electronic device includes: one or more processors; a storage device for storing one or more programs, and when the one or more programs are executed by the one or more processors, the electronic device implements the blockchain-based insurance business processing method as described above.

[0008] According to one aspect of an embodiment of the present application, a computer-readable storage medium stores computer-readable instructions thereon, which, when executed by a processor of a computer, enable the computer to execute the blockchain-based insurance business processing method as described above.

[0009] According to one aspect of the embodiments of the present application, a computer program product or a computer program is provided, the computer program product or the computer program including computer instructions, the computer instructions being stored in a computer-readable storage medium. The processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the insurance business processing method based on blockchain provided in the above-mentioned various optional embodiments.

[0010] In the technical solution provided in the embodiments of the present application, after obtaining the qualification materials sent by the requester for the specified type of insurance business, the credibility of the qualification materials is first obtained through the insurance business processing model, and then the insurance qualification report is obtained based on the credibility, so as to realize the preliminary review of the insurance qualifications of the requester through the insurance business processing model, and then the insurance qualifications of the requester are reviewed based on the insurance qualification report, thereby realizing a double review of the insurance qualifications of the requester, and after the requester confirms the contract document formed by the passing of the insurance qualification review, the policy information corresponding to the specified type of insurance business is stored on the chain.

[0011] On the one hand, the insurance business processing model can quickly review the qualification materials sent by the requester to generate an insurance qualification report, improve the data processing efficiency of the system, and combine the double review of the qualification materials to effectively improve the accuracy of the applicant's insurance qualification review. On the other hand, the policy information corresponding to the specified type of insurance business is stored on the chain, which can make the recorded insurance process and policy information more transparent, ensure the traceability and credibility of the data, and based on the tamper-proof characteristics of the blockchain, it can ensure that the stored data is not tampered with or damaged, thereby strengthening the privacy protection of the policy data and improving the security of the overall system and data.

[0012] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] The drawings herein are incorporated into the specification and constitute a part of the specification, showing embodiments consistent with the present application, and together with the specification, are used to explain the principles of the present application. Obviously, the drawings described below are only some embodiments of the present application, and for those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0014] Figure 1 It is an optional structural diagram of the distributed system 100 provided in an embodiment of the present invention applied to a blockchain system;

[0015] Figure 2 It is a schematic diagram of an implementation environment involved in this application;

[0016] Figure 3 It is a flowchart of an insurance business processing method based on blockchain shown in an exemplary embodiment of the present application;

[0017] Figure 4 yes Figure 3 A flowchart of step S302 in the illustrated embodiment in an exemplary embodiment;

[0018] Figure 5 yes Figure 3 A flowchart of step S303 in the illustrated embodiment in an exemplary embodiment;

[0019] Figure 6 yes Figure 3 A flowchart of step S301 in the illustrated embodiment in an exemplary embodiment;

[0020] Figure 7 yes Figure 3 A flowchart of step S304 in the illustrated embodiment in an exemplary embodiment;

[0021] Figure 8 It is a flowchart of processing an insurance business through a blockchain-based insurance business processing method in an exemplary embodiment of the present application;

[0022] Fig. 9 is a flowchart of a blockchain-based insurance business processing method for claim processing shown in another exemplary embodiment of the present application;

[0023] Fig.10 yes Fig. 9 A flowchart of step S902 in the illustrated embodiment in an exemplary embodiment;

[0024] Fig.11 yes Fig. 9 A flowchart of step S903 in the illustrated embodiment in an exemplary embodiment;

[0025] Fig.12 yes Fig. 9 A flowchart of step S904 in the illustrated embodiment in an exemplary embodiment;

[0026] Fig.13 It is a flowchart of processing an insurance claim settlement business through a blockchain-based insurance business processing method in an exemplary embodiment of the present application;

[0027] Fig.14 is a block diagram of an insurance business processing device based on blockchain shown in an exemplary embodiment of the present application;

[0028] Fig.15 It is a structural diagram of a computer system suitable for implementing an electronic device of an embodiment of the present application. DETAILED DESCRIPTION

[0029] Here, exemplary embodiments will be described in detail, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are only examples of devices and methods consistent with some aspects of the present application as detailed in the attached claims.

[0030] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0031] The flowcharts shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps can be decomposed, and some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0032] The term "multiple" as used in this application refers to two or more than two. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the related objects are in an "or" relationship.

[0033] First, the system involved in the embodiment of the present invention may be a distributed system formed by connecting a service terminal and multiple nodes (any form of computing devices in the access network, such as a server and a requester) through network communication.

[0034] Take the distributed system as the blockchain system as an example, see Figure 1 , Figure 1 It is an optional structural diagram of the distributed system 100 provided by the embodiment of the present invention applied to the blockchain system, which is formed by multiple nodes (any form of computing devices in the access network, such as servers, requesters) and business terminals, and a point-to-point network is formed between the nodes. The point-to-point network protocol is an application layer protocol running on the Transmission Control Protocol (TCP, Transmission Control Protocol) protocol. In a distributed system, any machine such as a server or a terminal can join and become a node, and the node includes a hardware layer, an intermediate layer, an operating system layer, and an application layer.

[0035] See also Figure 1 The functions of each node in the blockchain system shown include:

[0036] 1) Routing: a basic function of a node, used to support communication between nodes.

[0037] In addition to the routing function, the node can also have the following functions:

[0038] 2) Applications are deployed in the blockchain to implement specific businesses based on actual business needs, record data related to the implementation of functions to form record data, carry digital signatures in the record data to indicate the source of the task data, and send the record data to other nodes in the blockchain system for other nodes to add the record data to a temporary block when they successfully verify the source and integrity of the record data.

[0039] For example, the services implemented by the application include:

[0040] 2.1) Wallet, used to provide the function of conducting electronic currency transactions, including initiating transactions, that is, sending the transaction record of the current transaction to other nodes in the blockchain system. After successful verification by other nodes, as a response to acknowledge the validity of the transaction, the transaction record data is stored in the temporary block of the blockchain; of course, the wallet also supports querying the remaining electronic currency in the electronic currency address;

[0041] 2.2) Distributed ledgers are used to provide functions such as storage, query and modification of account data. The record data of the operation on the account data is sent to other nodes in the blockchain system. After other nodes verify the validity, they will store the record data in a temporary block as a response to acknowledge the validity of the account data. They can also send confirmation to the node that initiated the operation.

[0042] 2.3) Smart contracts are computerized protocols that can execute the terms of a contract. They are implemented through code deployed on a shared ledger that is executed when certain conditions are met. According to actual business needs, the code is used to complete automated transactions, such as querying the status of an insurance policy contract and transferring the corresponding amount of currency to the user after determining that the contract status is pending claim settlement. Of course, smart contracts are not limited to executing contracts for currency transfers, but can also execute contracts for processing received information.

[0043] 3) Blockchain, including a series of blocks that are connected to each other in the order of their generation. Once a new block is added to the blockchain, it will not be removed. The block records the record data submitted by the nodes in the blockchain system.

[0044] Based on the blockchain technology introduced above, and the problems of low audit efficiency and insufficient accuracy of audit results in the traditional insurance signing process in related technologies, the embodiments of the present application propose a blockchain-based insurance business processing method and device, electronic device, and computer-readable storage medium mainly involving blockchain technology. These embodiments will be described in detail below.

[0045] See also Figure 2 , Figure 2 1 is a schematic diagram of an implementation environment involved in the present application. The implementation environment includes a business terminal 101, a requester 102 and an insurance business processing model 103, and the three communicate with each other through a wired or wireless network.

[0046] The business terminal 101 is used to obtain the qualification materials sent by the requester for the specified type of insurance business from the requester 102; obtain the credibility of the qualification materials based on the insurance business processing model 103, and generate an insurance qualification report based on the credibility of the qualification materials; if the insurance qualification of the requester is approved based on the insurance qualification report, the contract document corresponding to the specified type of insurance business is sent to the requester; after the requester confirms the contract document, the insurance policy information corresponding to the specified type of insurance business is stored on the chain. Compared with the insurance business processing scheme of the prior art, the blockchain-based insurance business processing method provided by this implementation environment can effectively improve the data processing efficiency of the system, the accuracy of the insurance qualification review of the requester, and the security of the data.

[0047] It should be noted that Figure 1 The business terminal 101 in the illustrated implementation environment may be an insurance company as the underwriter; the requesting party 102 may be any electronic device such as a smart phone, tablet, laptop, computer, vehicle-mounted terminal, etc., which is not limited here; the insurance business processing model 103 may be an artificial intelligence model such as ChatGPT (Chat Generative Pre-trained Transformer, a text generation deep learning model trained on Internet available data that can interact in a conversational manner), Neuroflash (brain training program, an artificial intelligence-based text and image generator), Jasper Chat (an AI chatbot tool developed by Jasper AI), Perplexity AI (an answer engine that uses large language models to provide accurate answers to complex questions), GitHub Copilot (AI coding partner), Google LaMDA (Google's language processing model), Sparrow (an artificial intelligence chatbot trained using Chinchilla, Chinchilla is a large language model with optimal training computing utilization), etc., among which ChatGPT is a general artificial intelligence model based on natural language generation, which adopts a pre-trained self-attention mechanism and provides solutions to various text generation tasks by learning a large amount of natural language text. ChatGPT is a reliable AI technology developed by OpenAI (Open Artificial Intelligence). Its formation requires a lot of training so that it can provide accurate answers. In addition, in the application process of ChatGPT, its functions can be customized and expanded according to needs. Compared with other manual customer service, using ChatGPT can greatly reduce costs and improve efficiency. Therefore, ChatGPT has the characteristics of high accuracy, strong scalability, high credibility, low cost and high efficiency.

[0048] It should be noted that in the specific implementation of this application, data related to the requesting party is required. When the embodiments of this application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards of relevant countries and regions.

[0049] Figure 3 This is a flowchart of an insurance business processing method based on blockchain, shown in an exemplary embodiment of the present application. This method can be applied to Figure 2 The implementation environment shown in Figure 2 The service terminal 101 in the embodiment shown is specifically implemented. In other implementation environments, the method can be executed by devices in other implementation environments, and this embodiment does not limit this.

[0050] like Figure 3 As shown, in an exemplary embodiment, the blockchain-based insurance business processing method may include steps S301 to S304, which are described in detail as follows:

[0051] Step S301, obtaining qualification materials sent by the requesting party for a specified type of insurance business.

[0052] The requester is the insured party in the insurance relationship. After the requester has an insurance demand, it first needs to confirm the matching designated type of insurance business, and then send qualification materials for the designated type of insurance business, which will be obtained by the business terminal and used to review the requester's insurance qualifications, so that the business terminal can determine whether to underwrite the insurance proposed by the requester based on the results of the review.

[0053] In the embodiment of the present application, the qualification materials are characterized as various types of data that can be analyzed to reveal the insurance qualifications of the requesting party. For example, when the specified type of insurance business is a health insurance business, the corresponding qualification materials sent by the requesting party may include health information, financial information, and other information, among which the health information may include the height, weight, past medical history, family medical history, and previous health insurance claims of the specific insured person, and the financial information may include family finances, insurance needs, insured amount, etc. Other information may include the age, gender, place of residence, and whether the insurance has been rejected by the specific insured person.

[0054] Step S302, input the qualification materials and the credible certification data corresponding to the qualification materials into the insurance business processing model, so as to calculate the credibility of the qualification materials based on the qualification materials and the credible certification data through the insurance business processing model, and generate an insurance qualification report based on the credibility of the qualification materials.

[0055] After the business terminal obtains the qualification materials sent by the requester, it obtains the credible proof data corresponding to the qualification materials, transmits the qualification materials and credible proof data to the insurance business processing model as the input of the insurance business processing model, so that the insurance business processing model uses ChatGPT to perform credibility analysis on the qualification materials, outputs the credibility of the qualification materials, and generates an insurance qualification report based on the credibility of the qualification materials. The insurance business processing model then sends the generated insurance qualification report to the business terminal to further review the insurance qualifications of the requester. Among them, the credible proof data is the credible proof data that characterizes the requester. The content of the insurance qualification report may include the record formed by the credibility analysis of the qualification materials by the insurance business processing model, as well as the credibility obtained by the analysis. The credible proof data obtained in this embodiment is data with high credibility. For example, if the qualification materials include the case information of the requester, then the credible proof data correspondingly includes the medical information of the requester obtained from the medical terminal or other platform.

[0056] It should be noted that the insurance business processing model used by the method provided in the embodiment of the present application can also be deployed in a business terminal. After receiving the qualification materials, the business terminal can directly use the built-in insurance business processing model to obtain the credibility of the qualification materials, thereby avoiding the external transmission of data such as qualification materials and insurance qualification reports, and avoiding data leakage.

[0057] In one example, the training of the insurance business processing model first constructs an initial insurance business processing model and obtains a sufficient number of training sets, the training set includes training samples and reference results, the training samples include training qualification materials and corresponding training trusted proof data, and the reference results represent the credibility of the training qualification materials. The training samples are used as the input of the insurance business processing model so that the insurance business processing model generates output results, the output results represent the credibility of the qualification materials analyzed by the insurance business processing model, and then the insurance business processing model is adjusted based on the gap between the output results and the reference results until the insurance business processing model converges, and the insurance business processing model trained to convergence is used to implement the blockchain-based insurance business processing method provided in the embodiment of the present application, so as to calculate the credibility of the qualification materials based on the qualification materials and the trusted proof data, and generate the insurance qualification report based on the credibility of the qualification materials.

[0058] In this way, the insurance business processing model obtained through training in the embodiment of the present application can quickly analyze and process the received qualification materials, complete the credibility assessment of the qualification materials of the requesting party, and based on the high accuracy of ChatGPT, the ChatGPT of the insurance business processing model is used to perform credibility analysis on the qualification materials to obtain the credibility of the qualification materials, which can improve the accuracy of the obtained credibility.

[0059] Step S303: If the insurance qualification of the requesting party is approved based on the insurance qualification report, a contract document corresponding to the specified type of insurance business is sent to the requesting party.

[0060] After the business terminal receives the insurance qualification report fed back by the insurance business processing model, it reviews the insurance qualifications of the requester based on the insurance qualification report, realizes a double review of the insurance qualifications of the requester, and after determining that the review result of the insurance qualification review of the requester based on the insurance qualification report is characterized as passed, it sends the contract document corresponding to the specified type of insurance business to the requester. If it fails, the information that the insurance is rejected is fed back to the requester. The contract document may include basic information of the insured and the underwriter, as well as insurance contract information such as the agreed compensation situation and the corresponding compensation amount by both parties. Exemplarily, in the embodiment of the present application, the insurance qualification report can be reviewed by manual review, combined with the insurance business processing model, to improve the review efficiency while ensuring the accuracy of the review.

[0061] Step S304: After the requesting party confirms the contract document, the insurance policy information corresponding to the specified type of insurance business is stored on the chain.

[0062] After the insurance qualification review is passed, the business terminal will send the contract document corresponding to the specified type of insurance business to the requester. The requester will feedback the confirmed contract document to the business terminal. The business terminal will form the policy information based on the confirmed contract, and store the above policy information corresponding to the specified type of insurance business on the chain to complete the insurance business requested by the requester.

[0063] It should be noted that in the embodiment of the present application, the above-mentioned policy information corresponding to the specified type of insurance business is stored on the chain, which essentially calls the smart contract to implement the step of storing the policy information in the blockchain through the smart contract execution, thereby improving the privacy and security of the policy information. In addition, the smart contract can execute the contract terms, so that after the business terminal receives the claim request, it can execute the corresponding claim terms through the smart contract, and then complete the claim through the distributed ledger in the blockchain.

[0064] As can be seen from the above, in the method provided in this embodiment, the insurance qualification report is obtained based on the qualification materials sent by the requester for the specified type of insurance business through the insurance business processing model, and the insurance qualifications of the requester are reviewed based on the insurance qualification report by the insurance business processing party, thereby realizing a double review of the insurance qualifications of the requester, and after the requester confirms the contract document formed by the insurance qualification review, the policy information corresponding to the specified type of insurance business is stored on the chain.

[0065] On the one hand, the insurance business processing model uses the ChatGPT intelligent model to quickly and accurately review the qualification materials sent by the requester to generate an insurance qualification report, thereby improving the data processing efficiency of the system, and by combining the insurance business processing model to realize a double review of the requester's insurance qualifications, it can effectively improve the accuracy of the review of the requester's insurance qualifications. On the other hand, the introduction of the insurance business processing model to review the requester's insurance qualifications can effectively prevent problems such as the risk of losses caused by false information and fraudulent behavior. In addition, the policy information corresponding to the specified type of insurance business is stored on the chain, which can make the recorded insurance process and policy information more transparent, ensure the traceability and credibility of the data, and based on the tamper-proof characteristics of the blockchain, it can ensure that the stored data is not tampered with or damaged, thereby strengthening the privacy protection of the policy data and improving the security of the overall system and data.

[0066] See also Figure 4 , Figure 4 yes Figure 3 The step S302 in the illustrated embodiment is a flow chart in an exemplary embodiment. Figure 4 As shown, step S302 may specifically include steps S401 to S404. The insurance qualification report is generated through the above steps, which is described in detail as follows:

[0067] Step S401, obtaining credible certification data corresponding to the qualification materials.

[0068] In one embodiment of the present application, the ChatGPT of the insurance business processing model adopts a pre-trained self-attention mechanism (Self-Attention). The self-attention mechanism is a special attention mechanism that allows the model to consider the relationship between each element in the sequence and all other elements when processing a sequence data. This mechanism can help the model better understand the contextual information in the sequence, thereby processing the sequence data more accurately. In the self-attention mechanism, the model calculates the correlation (or weight) between each element in the sequence and all other elements. These weights reflect the relationship between the elements. For example, in the general artificial intelligence model ChatGPT based on natural language generation, they can reflect the semantic correlation between words. Exemplarily, in an embodiment of the present application, by obtaining credible proof data corresponding to the qualification materials, the self-attention mechanism adopted by ChatGPT calculates the correlation between the qualification materials and the credible proof data, wherein the credible proof data refers to data with high credibility.

[0069] Step S402, extracting features from the qualification materials and the trustworthy proof data to obtain qualification features and trustworthy proof features.

[0070] After obtaining the credible proof data corresponding to the qualification materials, feature extraction is performed on the qualification materials and the credible proof data to obtain qualification features and credible proof features, where each qualification feature corresponds to a credible proof feature, so that the self-attention mechanism adopted by ChatGPT can calculate the correlation between the qualification materials and the credible proof data based on the qualification features and credible proof features.

[0071] In one example, feature extraction of qualification materials and trusted proof data may be performed through an insurance business processing model.

[0072] Step S403, input the qualification characteristics and the credible proof characteristics into the insurance business processing model, so as to calculate the correlation between the qualification materials and the credible proof data based on the qualification characteristics and the credible proof characteristics through the insurance business processing model, and generate the credibility for the qualification materials based on the correlation.

[0073] After extracting the qualification features and credible proof features corresponding to the qualification materials and credible proof data, the qualification features and credible proof features are input into the insurance business processing model, and the pre-trained self-attention mechanism adopted by ChatGPT of the insurance business processing model is utilized. The correlation between the qualification materials and credible proof data is calculated based on the qualification features and credible proof features, and then the credibility of the qualification materials is generated based on the correlation.

[0074] In one example, the similarity between qualification features and credible proof features, such as cosine similarity, can be calculated through an insurance business processing model, and the similarity is used as the correlation between the qualification material and the credible proof data.

[0075] Among them, since the credible proof data is data with high credibility of the requesting party, the higher the correlation between the qualification material and the credible proof data, the higher the credibility, that is, there is a positive correlation between the correlation between the qualification material and the credible proof data and the credibility of the qualification material.

[0076] Step S404, generating the insurance qualification report of the requesting party based on the credibility.

[0077] After the insurance business processing model obtains the credibility of the qualification materials, it generates the insurance qualification report of the requester based on the credibility, and feeds the generated insurance qualification report back to the business terminal. The insurance qualification report may include the credibility obtained by the insurance business processing model through credibility analysis of the qualification materials, and the records formed during the analysis process. The recorded data may include credible proof data, qualification features and credible proof features obtained by feature extraction of qualification materials and credible proof data, and the correlation between qualification materials and credible proof data calculated based on qualification features and credible proof features.

[0078] Therefore, through the method of the above embodiment, the features between the credible proof data and the qualification materials are compared and analyzed through the pre-trained self-attention mechanism adopted by ChatGPT of the insurance business processing model, and the correlation between the qualification materials and the credible proof data is obtained, so as to obtain the credibility of the qualification materials. The higher the correlation, the greater the credibility, and the insurance qualification report is generated based on the credibility of the qualification materials. Based on the high accuracy and strong credibility of ChatGPT, the credibility of the qualification materials can be accurately obtained to generate the insurance qualification report.

[0079] Above Figure 3 and Figure 4 The embodiments shown all illustrate the situation where there is credible certification data corresponding to the qualification materials. In another exemplary embodiment of the present application, if there is no credible certification data corresponding to the qualification materials, the credibility is calculated by extracting the target valid features in the qualification materials.

[0080] In the embodiment provided in the present application, feature extraction is performed on the qualification materials to obtain qualification features, and target valid features are identified from the qualification features based on the context information of the qualification materials; the insurance business processing model is used to calculate the credibility of the qualification materials based on the target valid features, and a requesting party's insurance qualification report is generated based on the credibility of the material.

[0081] The above target effective features are characterized as data features with reliable authenticity, and can be identified from the qualification features based on the repetitiveness and consistency of themes, emotions, keywords, and texts (real materials usually provide the same or similar information at different locations or different time points, while false materials may provide contradictory or inconsistent information in different places). For example, if the qualification materials include medical certificates with seals, the target effective features corresponding to the medical certificates with seals are the images of the identified seals, and the seals as identification information are the keywords of the same type of qualification materials such as medical certificates.

[0082] See also Figure 5 , Figure 5 yes Figure 3 The step S303 in the embodiment shown is a flow chart in an exemplary embodiment. Figure 5 As shown, step S303 may specifically include steps S501 to S503. Through the above steps, after the insurance qualification of the requesting party is reviewed and approved, the requesting party sends the contract document corresponding to the specified type of insurance business, which is described in detail as follows:

[0083] Step S501, review the insurance qualifications of the requesting party based on the insurance qualification report to obtain the qualification review result.

[0084] After the business terminal receives the insurance qualification report fed back by the insurance business processing model, it reviews the insurance qualification report and conducts a secondary assessment of the insurance qualifications of the requesting party represented by the qualification materials sent by the requesting party. Based on the review results of the insurance qualification report and the secondary assessment results of the insurance qualifications, the insurance qualifications of the requesting party are reviewed to obtain the qualification review results.

[0085] Exemplarily, in an embodiment of the present application, the insurance qualification report can be reviewed by manual review, and the insurance qualifications of the requesting party represented by the qualification materials sent by the requesting party can be secondary evaluated. Then, the business terminal assigns corresponding weights to the insurance qualification report sent by the insurance business processing model according to the contents represented by the review results of the insurance qualification report and the secondary evaluation results of the insurance qualifications, and then determines the weight of the secondary evaluation results of the insurance qualifications, so that the business terminal obtains the qualification review results of the insurance qualifications of the requesting party based on the insurance qualification report, the secondary evaluation results of the insurance qualifications and the respective weights.

[0086] Among them, the basis for the allocation weight can be the importance of the insurance qualification report to the insurance qualification review of the requesting party determined by the business terminal based on the review results of the insurance qualification report, or the importance of the secondary assessment results of the insurance qualifications to the insurance qualification review of the requesting party, or it can be a pre-set allocation standard, which is not specifically limited here.

[0087] Step S502: If the qualification review result indicates that the insurance qualification review of the requesting party is passed, a contract document corresponding to the specified type of insurance business is generated.

[0088] Exemplarily, in this embodiment, the qualification review result can be characterized as passing the insurance qualification review of the requesting party, or it can be characterized as failing the insurance qualification review of the requesting party. If the qualification review result is characterized as passing, the contract document corresponding to the specified type of insurance business is sent to the requesting party. If the qualification review result is characterized as failing, the information that the insurance participation is rejected is fed back to the requesting party.

[0089] Step S503: Send the contract document corresponding to the specified type of insurance business to the requesting party.

[0090] If the qualification review result indicates that it has passed, the contract document corresponding to the specified type of insurance business will be sent to the requester. According to the requester's insurance qualifications, the underwriting types of the contract document may include three types, namely standard underwriting, premium underwriting and liability exclusion. Standard underwriting (referred to as standard underwriting) is the most ideal situation for the requester and is normal underwriting; premium underwriting corresponds to requesters with medium insurance qualifications, and they need to pay more premiums than standard underwriting. For example, under the premise that the specified type of insurance business is a health insurance business, and the requester has a chronic disease that affects his health status, it will affect his insurance qualifications; liability exclusion refers to the agreement in the contract that no compensation will be paid for certain specific circumstances, which corresponds to requesters with lower insurance qualifications. For example, under the premise that the specified type of insurance business is a health insurance business, and the requester has high-risk health problems, the contract will stipulate that no compensation will be paid for the accidents caused by his high-risk health problems.

[0091] If the qualification review result indicates failure, the information of insurance rejection will be fed back to the requesting party. According to the insurance qualifications of the requesting party, there are two types of insurance rejections fed back to the requesting party, namely deferred coverage and rejection. Deferred coverage corresponds to requesting parties with low insurance qualifications, and the requesting party needs to review its insurance qualifications again after a period of time. For example, under the premise that the designated type of insurance business is health insurance business, the requesting party has health problems that may improve after treatment or exercise; rejection means that the insurance qualifications of the requesting party do not meet the requirements of the business terminal at all, and the insurance policy business agreed with the requesting party is directly rejected.

[0092] This embodiment uses a dual audit mechanism based on the business terminal cooperating with the insurance business processing model audit, which can avoid the subjective misleading, backward audit methods and other problems existing in single audit methods such as pure manual audit, thereby effectively improving the audit accuracy and efficiency of insurance qualifications.

[0093] See also Figure 6 , Figure 6 yes Figure 3 The step S301 in the embodiment shown is a flow chart in an exemplary embodiment. Figure 6 As shown, step S301 may include steps S601 to S604, which are described in detail as follows:

[0094] Step S601, receiving the insurance participation request sent by the requesting party, the insurance participation request carries the characteristic information of the requesting party.

[0095] After the requester has an insurance demand, an insurance request will be issued based on the insurance demand, so that the business terminal receives the insurance request sent by the requester and identifies the characteristic information of the requester carried in the insurance request. The characteristic information can characterize the insurance demand of the requester, and the insurance demand represents the insurance preference of the requester.

[0096] Step S602: using the insurance business processing model, calculate the recommended insurance business type of the requester based on the characteristic information.

[0097] The service terminal sends the received insurance application request and the characteristic information it carries to the insurance service processing model. The trained insurance service processing model calculates and outputs at least one recommended insurance service type for the requester based on the characteristic information and sends it to the service terminal. The recommended insurance service type matches the insurance application demand represented by the characteristic information.

[0098] Step S603: Send the recommended insurance service types to the requesting party, so that the requesting party can select a designated type of insurance service from the recommended insurance service types.

[0099] After the business terminal receives at least one sharply reduced insurance business type sent by the insurance business processing model, it forwards it to the requester, and the requester selects a specified type of insurance business from it. The requester can screen out the recommended insurance business type with the highest matching degree with the insurance demand as the specified type of insurance business based on the insurance demand, or can subjectively select the specified type of insurance business, and there is no specific restriction here.

[0100] Step S604: receiving qualification materials sent by the requesting party for the specified type of insurance business.

[0101] After determining the type of insurance business requested by the requester, the qualification materials sent by the requester for the specified type of insurance business are received to review the insurance qualifications of the requester. For example, when the specified type of insurance business is a health insurance business, the information on the insured's health status and other information sent by the requester is received as qualification materials; when the specified type of insurance business is a property insurance business, the information on the various states of the insured subject matter and other information sent by the requester is received.

[0102] In another exemplary embodiment provided by the present application, when the business terminal receives the specified type of insurance business selected by the requester, it also receives the relevant insurance information sent by the requester based on the specified type of insurance business, which is used to generate an initial insurance contract and send it to the requester. The requester will send the qualification materials for the specified type of insurance business to the business terminal only after receiving the initial insurance contract sent by the business terminal, so that the business terminal can review the insurance qualification of the requester in combination with the insurance business processing model. Among them, the relevant insurance information sent by the requester based on the specified type of insurance business may include basic information such as the name, age and address of the insured, as well as insurance information such as the specified type of insurance business, the start and end of the insurance liability, the insurance value and the insurance amount.

[0103] In addition, the initial insurance contract is also used to form a contract document based on the initial insurance contract, the insurance qualification report and the insurance qualification review results after the insurance qualifications of the requester are reviewed and approved based on the insurance qualification report, so that the business terminal sends the contract document corresponding to the specified type of insurance business to the requester, that is, the review process of the insurance qualifications of the requester is recorded in the contract file, and the initial insurance contract is updated, so that the insurance qualification review process and the generation of the contract document are open and transparent to the requester, thereby improving the traceability and credibility of the insurance business.

[0104] From the above, it can be seen that in the method provided in this embodiment, the insurance business processing model is used to output the recommended insurance business type that matches the insurance request to the requester, that is, the insurance business processing model can present personalized customer service and protection to meet the personalized needs of customers.

[0105] See also Figure 7 , Figure 7 yes Figure 3 The step S304 in the embodiment shown is a flow chart in an exemplary embodiment. Figure 7 As shown, step S304 may include steps S701 to S703, which are described in detail as follows:

[0106] Step S701, obtaining confirmation information sent by the requesting party based on the contract document, the confirmation information including signature information and payment information.

[0107] Exemplarily, in an embodiment of the present application, after the requesting party receives the contract document corresponding to the specified type of insurance business sent by the business terminal, it performs confirmation operations such as signing and payment on the contract document to form confirmation information. Therefore, the confirmation information includes signature information and payment information, and returns the confirmed contract document carrying the confirmation information to the business terminal.

[0108] Step S702: verify the signature information and payment information.

[0109] In the embodiment of the present application, the requesting party usually uses a digital signature to confirm the contract document. In order to ensure the security of the digital signature, the requesting party obtains a digital summary of the contract document using a hash algorithm, encrypts the digital summary based on the signature private key to obtain a digital signature, and finally sends the contract document, public key and digital signature together to the business terminal to verify the digital signature. After receiving the digital signature and the contract document, the business terminal decrypts the digital signature with the requesting party's public key, derives the digital summary formed by the requesting party, and uses the same hash algorithm to obtain a new digital summary. The two digital summaries are compared. If the two match, it means that the data in the contract document has not been tampered with, indicating that the digitally signed contract document has been successfully transmitted, that is, the digital signature verification is successful, otherwise the signature is rejected.

[0110] In addition, the payment information including various payment details generated by the requesting party for insurance payment based on the contract documents also needs to be sent to the business terminal so that the business terminal can check the payment information and determine the legality of the payment behavior.

[0111] Step S703: If the signature information and payment information are verified, the insurance policy information corresponding to the specified type of insurance business is generated and stored in the corresponding blockchain node.

[0112] In this embodiment, the security of data transmission such as contract documents is guaranteed by verifying the signature information and payment information of the confirmation information. After the signature information and payment information are verified, the policy information corresponding to the specified type of insurance business is generated based on the contract document, and the policy information is stored in the corresponding blockchain node, such as in a smart contract, for subsequent processing of the claim request of the requesting party, ensuring that the policy information is not tampered with or damaged, thereby strengthening the privacy protection of the policy information.

[0113] Therefore, through the method of this embodiment, this application uses digital signatures to ensure the security of contract documents, with the requester as the sender of the digital signature and the business terminal as the recipient. The sender encrypts the contract document with a symmetric key for transmission, and encrypts the symmetric key with the recipient's public key and sends it to the other party. The recipient receives the electronic envelope, decrypts the envelope with his own private key, and takes out the symmetric key to decrypt and obtain the contract document.

[0114] In this way, the technical solution of this embodiment of the present application ensures that the contract document is not tampered with during the transmission of the digital signature through the process of the requesting party performing digital signature and the business terminal performing verification. Unauthenticated and unauthorized people cannot see the original data, thereby playing a role in maintaining the confidentiality of the data during the transmission of the digital signature.

[0115] See also Figure 8 , Figure 8 In an exemplary embodiment of the present application, a flowchart of processing an insurance business by a blockchain-based insurance business processing method may include the following steps:

[0116] Step S801: The requesting party sends an insurance request carrying characteristic information to the service terminal.

[0117] Step S802: The business terminal sends the characteristic information to the insurance business processing model.

[0118] Step S803: the insurance business processing model calculates the recommended insurance business type of the requester based on the feature information.

[0119] Step S804: The service terminal forwards the recommended insurance service type to the requesting party.

[0120] Step S805, the requesting party determines the specified type of insurance business based on the relevant insurance information sent by the specified type of insurance business.

[0121] Step S806: The business terminal generates an initial insurance contract and returns it to the requesting party.

[0122] Step S807: The requesting party uploads qualification materials.

[0123] Step S808: The insurance business processing model obtains the credibility of the qualification materials and generates an insurance qualification report.

[0124] Step S809: The business terminal reviews the insurance qualifications of the requesting party based on the insurance qualification report and obtains the qualification review result.

[0125] Step S810: If the qualification review fails, the insurance rejection information is returned.

[0126] Step S811, the qualification review is passed, and the business terminal forms a contract document based on the initial insurance contract, the insurance qualification report and the insurance qualification review results.

[0127] Step S812: The requesting party signs the contract document and pays.

[0128] Step S813, the business terminal verifies the digital signature and payment details.

[0129] In step S814, the business terminal stores the insurance policy information corresponding to the specified type of insurance business on the chain.

[0130] Step S815, the blockchain returns the insurance success information and policy number.

[0131] In an exemplary embodiment of the present application, after the requester has a claim settlement demand, the relevant claim settlement materials are uploaded to the blockchain, so that the business terminal obtains the claim settlement materials and calls the target policy information that matches the threshold to complete the claim settlement process. Fig. 9 , Fig. 9 FIG. 1 is a flowchart of another exemplary embodiment of the present application showing a blockchain-based insurance business processing method for claim processing. Fig. 9 As shown, it may specifically include steps S901 to S904:

[0132] Step S901, obtain the claim materials uploaded by the requesting party from the blockchain, and obtain the target policy information matching the claim materials.

[0133] In the embodiment of the present application, after the insurance business for the requesting party is processed, the corresponding insurance policy information will be stored on the chain and stored in the blockchain, and the requesting party will upload the claim materials to the blockchain after the claim settlement demand exists. In this way, after receiving the claim settlement request, the business terminal obtains the claim settlement materials uploaded by the requesting party from the blockchain, identifies the type of insurance policy requested by the claim settlement materials, and finally selects the insurance policy that best matches the claim settlement materials from the insurance policies under the name of the requesting party based on the type of insurance policy requested by the claim settlement materials and the specific content of the claim settlement materials as the target insurance policy information for subsequent claim settlement processing.

[0134] Step S902, using the insurance business processing model, generates an initial contract based on the claim materials and target policy information.

[0135] The business terminal sends the acquired claim materials and the matching target policy information to the insurance business processing model. The insurance business processing model determines the items to be claimed in the target policy information through the claim materials, and calculates the corresponding claim amount, and then generates an initial contract based on the items to be claimed and the corresponding claim amount. That is, the initial contract can be generated based on the claim materials and the target policy information, and the initial contract can be claimed after review.

[0136] Step S903: Based on the contract review results of the initial contract, the initial contract is updated to obtain a claim contract, and the claim contract is stored on the chain.

[0137] After the insurance business processing model generates the initial contract based on the claim materials and the target policy information, the initial contract is returned to the business terminal, so that the business terminal reviews the initial contract, obtains the review result, updates the initial contract based on the review result, and stores the claim contract on the chain. Of course, if the review result indicates that the initial contract does not need to be updated, the initial contract is directly stored on the chain. Exemplarily, in the embodiment of the present application, the initial contract can be reviewed by manual review, combined with the insurance business processing model, to improve the review efficiency while ensuring the accuracy of the review.

[0138] Step S904: After the requesting party confirms the claim settlement contract, the claim settlement is processed based on the claim settlement contract.

[0139] In an embodiment of the present application, the business terminal sends the updated claim contract based on the audit results to the requesting party for display, and the requesting party confirms the claim contract. After the requesting party provides feedback to the business terminal on its confirmation of the claim contract, the business terminal will complete the claim processing through the blockchain based on the items to be claimed represented by the claim contract and the corresponding claim amount.

[0140] As can be seen from the above, in the method provided in this embodiment, the insurance business processing model generates an initial contract based on the claim materials and the target policy information, and the business terminal updates the initial contract based on the contract review result of the initial contract to obtain the claim contract, and finally completes the payment through the blockchain smart contract calling the distributed ledger. In this way, while ensuring the efficiency of the generation of the claim contract, the accuracy of the claim contract is improved, and the distributed ledger in the blockchain is used to ensure the fairness and accuracy of the claim results during the claim processing, thereby improving the efficiency of the claim business processing.

[0141] See also Fig.10 , Fig.10 yes Fig. 9 The step S902 in the embodiment shown is a flow chart in an exemplary embodiment. Fig.10 As shown, step S902 may specifically include steps S1001 to S1004, and the initial contract for insurance claims is generated through the above steps, which is described in detail as follows:

[0142] Step S1001, analyzing the claim materials to obtain the key content of the claim materials.

[0143] Exemplarily, the embodiment of the present application utilizes an insurance business processing model to generate an initial contract based on claim materials and target policy information. The insurance business processing model will first analyze the claim materials to obtain key claim content therefrom. For example, if the target policy information that matches the claim materials indicates that what is insured is the insured's personal health, etc., then the key claim information may include the insured's requirements, health status, medical certificates, accident description, etc.; if the target policy information that matches the claim materials indicates that what is insured is the insured's property, then the key claim information may include the insured's requirements, accident description, loss details of the property, etc.

[0144] Step S1002, verify the key contents of the claim based on the target policy information to obtain the claim verification result.

[0145] In this embodiment, the target policy information includes the claimable items agreed upon with the insured when the business terminal processes the insurance business. Therefore, after the insurance business processing model analyzes the key content of the claim in the claim materials, the claimable items agreed upon in the target policy information are checked against the key content of the claim, and the matching claimable items are checked to form a check result. Among them, the claim check result represents the items to be claimed determined by the insurance business processing model from the target policy information based on the key content of the claim.

[0146] Step S1003, calculating the claim amount based on the claim verification result and the target policy information.

[0147] In this embodiment, the target policy information also includes the calculation method of the claim amount corresponding to each claimable item agreed upon with the insured when the business terminal processes the insurance business. Therefore, based on the insurance business processing model represented by the claim verification result, the items to be claimed are determined from the target policy information, and the calculation method of the corresponding claim amount in the target policy information, the insurance business processing model can calculate the claim amount corresponding to the claim materials.

[0148] Step S1004, obtain a claim draft, fill the claim verification result and claim amount into the claim draft to obtain an initial contract.

[0149] The insurance business processing model is pre-configured with a claim draft, which is used to form a claim contract after being improved based on the acquired claim materials and sent to the business terminal. Exemplarily, the insurance business processing model in the embodiment of the present application obtains the key content of the claim after analyzing and processing the claim materials, and verifies the key content of the claim based on the target policy information to obtain the claim verification result, and then calculates the claim amount. In order to generate a claim contract, the insurance business processing model fills the claim verification result and the claim amount into the pre-configured claim draft, obtains the initial contract and sends it to the business terminal, so that the business terminal can review the initial contract.

[0150] The blockchain-based insurance business processing method provided in this embodiment uses an insurance business processing model to calculate the claim amount based on the claim materials, and then obtains the initial contract for the claim, so that the business terminal obtains the claim contract after reviewing the initial contract, thereby improving the generation rate of the claim contract.

[0151] See also Fig.11 , Fig.11 yes Fig. 9 The flowchart of step S903 in the embodiment shown is in an exemplary embodiment. Fig.11 As shown, step S903 may specifically include steps S1101 to S1103. The initial contract is updated through the above steps to obtain a claim settlement contract, which is described in detail as follows:

[0152] Step S1101, review the content information and content logic of the initial contract based on the claim materials and the target policy information to obtain the contract review result.

[0153] In this embodiment, in order to ensure the accuracy of the contract used for claims, after obtaining the initial contract sent by the business processing model, the business terminal reviews the content information and content logic of the initial contract based on the claims materials and policy information, determines whether the content in the initial contract is consistent with the claims materials and the target policy information, and whether the content logic in the initial contract is correct, and then obtains the contract review result. Exemplarily, in the embodiment of the present application, the business terminal can use manual review to review the content information and content logic of the initial contract, and combine the process of obtaining the initial contract with the insurance business processing model, which can improve the review efficiency while ensuring the accuracy of the review.

[0154] Step S1102, obtaining the contract content to be added.

[0155] In this embodiment, the contract review result can be characterized as the need to update the initial contract, or it can be characterized as the need not to update the initial contract. If the contract review result is characterized as the need not to update the initial contract, the initial contract is used as the claim settlement contract; if the contract review result is characterized as the need to update the initial contract, the contract content to be added required for the update is determined based on the contract review result.

[0156] Exemplarily, the contract content to be added is the additional terms and details obtained based on the claims materials and the initial contract after the business terminal reviews the content information and content logic of the initial contract based on the claims materials and target policy information to obtain a contract review result that indicates that the initial contract needs to be updated.

[0157] Step S1103, based on the contract review result and the contract content to be added, the initial contract is updated to obtain a claim settlement contract.

[0158] After determining that the contract review result indicates that the initial contract needs to be updated and the corresponding content to be added is obtained, the initial contract is updated with the contract content to be added to obtain a claim contract, which is used by the business terminal to process the claim materials sent by the requester.

[0159] From the above, it can be seen that in the method provided in this embodiment, through the above-mentioned method of reviewing the initial contract, the initial contract is updated based on the contract content to be added corresponding to the review result to obtain the claim contract, so that the obtained claim contract is more accurate and more in line with the requirements of the claim materials uploaded by the requesting party.

[0160] See also Fig.12 , Fig.12 yes Fig. 9 The flowchart of step S904 in the illustrated embodiment is in an exemplary embodiment. Fig.12As shown, step S904 may specifically include steps S1201 to S1203, and the claim settlement is processed based on the claim settlement contract through the above steps, which are described in detail as follows:

[0161] Step S1201, obtaining the claim confirmation information sent by the requesting party based on the claim contract.

[0162] After the business terminal obtains the claim contract, it will store it on the chain so that the requester can obtain the claim contract corresponding to the claim materials sent by it from the blockchain. In order to protect the rights and interests of the requester, the requester needs to confirm the claim contract after receiving it and decide whether to agree with the content of the claim contract, thereby forming a claim confirmation information and sending it to the blockchain, which is then forwarded to the business terminal through the blockchain.

[0163] Among them, the way for the requesting party to confirm the claim contract can be based on the subjective judgment of the requesting party's personnel based on the claim materials, or it can be based on pre-set confirmation standards, which is not specifically limited here.

[0164] Step S1202: If the claim confirmation information indicates that the requesting party agrees to the claim contract, the claim is processed based on the claim contract.

[0165] If the requester agrees with the claim contract, that is, the claim confirmation information indicates that the requester agrees with the claim contract, then the requester will sign the claim contract while sending the claim confirmation information to the blockchain, so that the blockchain can process the claim based on the signed claim contract through the distributed ledger, and update the status of the claim contract stored in the blockchain after the processing is completed, from unpaid to paid. In this way, the requester can obtain the claim contract and related contracts from the blockchain. For the requester, the blockchain can realize the openness and transparency of the claim process.

[0166] Step S1203: If the claim settlement confirmation information indicates that the requesting party does not agree with the claim settlement contract, then the appeal request sent by the requesting party is obtained.

[0167] If the requesting party does not agree with the claim contract, that is, the claim confirmation information indicates that the requesting party does not agree with the claim contract, then the requesting party will send a complaint request to the blockchain at the same time as sending the claim confirmation information to the blockchain, so that the business terminal can obtain the complaint request sent by the requesting party from the blockchain.

[0168] Step S1204, updating the claim settlement contract based on the complaint request, until the requesting party agrees to the updated claim settlement contract, and then processing the claim based on the updated claim settlement contract.

[0169] After receiving the appeal request, the business terminal updates the claim contract based on the appeal request and uploads the updated claim contract to the blockchain, so that the requesting party can obtain and make claim confirmation information based on the updated claim contract. After the claim confirmation information indicates that the requesting party agrees with the updated claim contract, the claim is processed based on the updated claim contract, and the status of the claim contract stored in the blockchain is updated from unpaid to paid after the processing is completed.

[0170] Exemplarily, in this embodiment, the appeal request may carry new claim materials. If the appeal request does not carry new claim materials, the business terminal will conduct a secondary review of the content information and content logic of the claim contract based on the original claim materials, and make a decision on the appeal request sent by the requester based on the secondary review results. The decision on the appeal request sent by the requester can be characterized as updating the claim contract, then additional contract content is obtained based on the secondary review results, and the claim contract is updated and uploaded to the blockchain based on the additional contract content, so that the requester can obtain a new claim contract from the blockchain to send claim confirmation information based on the new claim contract; the decision on the appeal request sent by the requester can also be characterized as not updating the claim contract, and the business terminal uploads the decision to the blockchain to forward it to the requester. After receiving the decision, the requester can send claim confirmation information according to specific needs.

[0171] If the appeal request carries new claim materials, the business terminal will conduct a secondary review of the claim contract for the new claim materials, and make a decision on the appeal request sent by the requester based on the secondary review results. Based on the secondary review results, the new content corresponding to the new claim materials can be obtained. Therefore, the decision on the appeal request sent by the requester can be characterized as updating the new content to the claim contract, uploading the updated claim contract to the blockchain, so that the requester can obtain the updated claim contract from the blockchain to send the claim confirmation information based on the updated claim contract; the decision can also be characterized as not updating the claim contract, and the business terminal uploads the decision to the blockchain to forward it to the requester. After receiving the decision result, the requester can send the claim confirmation information according to specific needs.

[0172] It should be noted that the number of times the requesting party can send a complaint can be unlimited or can be specified based on demand. There is no limit here.

[0173] Therefore, through the method of this embodiment, this application provides an appeal channel after obtaining the claim contract. When the requesting party disagrees with the content of the claim contract, he or she can file an appeal and request a re-examination of the claim contract or provide new claim materials to request an update of the claim contract, so that the method provided by this application can present personalized customer service and protection in the specific application to meet the personalized needs of customers.

[0174] See also Fig.13 , Fig.13 In an exemplary embodiment of the present application, a flowchart of processing an insurance claim business by a blockchain-based insurance business processing method may include the following steps:

[0175] Step S1301: The requesting party sends the claim materials to the smart contract of the blockchain.

[0176] Step S1302: The business terminal obtains claim materials and target policy information matching the claim materials from the blockchain.

[0177] Step S1303, the insurance business processing model checks the key content of the claim materials and calculates the claim amount.

[0178] Step S1304: the insurance business processing model fills the claim verification result and claim amount into the claim draft to obtain an initial contract.

[0179] Step S1305: The business terminal reviews the initial contract and updates the initial contract based on the review result to obtain a claim settlement contract.

[0180] Step S1306: The business terminal stores the claim settlement contract in the blockchain.

[0181] Step S1307: The blockchain sends the claim settlement contract to the requesting party for display.

[0182] Step S1308: The requesting party disagrees with the claim settlement contract and sends a complaint request, entering a loop.

[0183] Step S1309: The business terminal reviews and makes a decision based on the appeal request.

[0184] Step S1310, the blockchain forwards the review results and decisions to the requesting party.

[0185] Step S1311: The requesting party agrees to the claim settlement contract, and the loop ends.

[0186] Step S1312: The requesting party confirms the claim settlement contract and signs it.

[0187] Step S1313, the blockchain makes payment based on the claim contract and updates the claim contract status.

[0188] Step S1314: The requesting party downloads the claim settlement contract and related documents from the blockchain for review.

[0189] Exemplarily, in the scenario of applying the blockchain-based insurance business processing method provided by the present application, the car owner participates in the insurance as the requesting party, and the business terminal sends the insurance participation request carrying feature information sent by the requesting party to the insurance business processing model. The insurance business processing model analyzes the recommended insurance business type based on the feature information and sends it to the requesting party. The car owner determines that the specified type of insurance business is auto insurance and uploads the qualification materials. The business terminal then reviews the credibility report generated by the insurance business processing model based on the qualification materials. After the review is passed, a contract document is formed, and after successfully verifying the requesting party's confirmation information on the contract document, the policy information corresponding to the specified type of insurance business is stored on the chain, and the auto insurance policy takes effect after the agreed time.

[0190] After the policy takes effect, if the insured vehicle of the car owner is involved in a car accident or other vehicle accident, the car owner uploads the accident photos and other materials as claim materials and sends them to the blockchain to request a claim, so that the business terminal can obtain the claim materials and the above-mentioned effective policy information from the blockchain. The insurance business processing model generates an initial contract based on the claim materials for the business terminal to review and update, and obtains the claim contract. After receiving the claim confirmation information of the requesting party on the claim contract, the vehicle accident requested by the car owner is compensated based on the claim contract. If the car owner disagrees with the claim contract, he or she may file a complaint to review or even update the claim contract again.

[0191] The following describes an embodiment of the device of the present application, which can be used to execute the blockchain-based insurance business processing method in the above embodiment of the present application. For details not disclosed in the embodiment of the device of the present application, please refer to the embodiment of the blockchain-based insurance business processing method in the above embodiment of the present application.

[0192] Fig.14 1 is a block diagram of an insurance business processing device 1400 based on blockchain, as shown in an exemplary embodiment of the present application. Fig.14 As shown, the device comprises:

[0193] The acquisition unit 1401 is used to acquire the qualification materials sent by the requesting party for the specified type of insurance business; the pre-processing unit 1402 is used to input the qualification materials and the trusted proof data corresponding to the qualification materials into the insurance business processing model, so as to calculate the credibility of the qualification materials based on the qualification materials and the trusted proof data through the insurance business processing model, and generate an insurance qualification report based on the credibility of the qualification materials; the review unit 1403 is used to send the contract document corresponding to the specified type of insurance business to the requesting party if the insurance qualification of the requesting party is reviewed and approved based on the insurance qualification report; the processing unit 1404 is used to store the policy information corresponding to the specified type of insurance business on the chain after the requesting party confirms the contract document.

[0194] The device applies the blockchain-based insurance business processing method provided by the present application, and obtains the insurance qualification report based on the qualification materials sent by the requester for the specified type of insurance business by using the insurance business processing model through the pre-processing unit 1402, and the review unit 1403 reviews the insurance qualification of the requester based on the insurance qualification report through the insurance business processing party, thereby realizing a double review of the insurance qualification of the requester, and after the requester confirms the contract document formed by the insurance qualification review, the policy information corresponding to the specified type of insurance business is stored on the chain through the processing unit 1404. The double review effectively improves the accuracy and efficiency of the review, and by applying it to the blockchain environment, it can ensure that the stored data is not tampered with or damaged, thereby strengthening the privacy protection of the policy data and improving the security of the overall system and data.

[0195] In another exemplary embodiment, the preprocessing unit 1402 is also used to obtain trusted proof data corresponding to the qualification materials; perform feature extraction on the qualification materials and the trusted proof data to obtain qualification features and trusted proof features; input the qualification features and trusted proof features into the insurance business processing model to calculate the correlation between the qualification materials and the trusted proof data based on the qualification features and the trusted proof features through the insurance business processing model, and generate credibility for the qualification materials based on the correlation; and generate the requester's insurance qualification report based on the credibility.

[0196] In another exemplary embodiment, the review unit 1403 is also used to review the insurance qualifications of the requesting party based on the insurance qualification report to obtain the qualification review result; if the qualification review result indicates that the insurance qualifications of the requesting party are reviewed and approved, a contract document corresponding to the specified type of insurance business is generated; and the contract document corresponding to the specified type of insurance business is sent to the requesting party.

[0197] In another exemplary embodiment, the acquisition unit 1401 is further configured to receive an insurance participation request sent by a requesting party, where the insurance participation request carries characteristic information of the requesting party;

[0198] The insurance business processing model is used to calculate the recommended insurance business type of the requester based on the characteristic information; the recommended insurance business type is sent to the requester so that the requester can select a specified type of insurance business from the recommended insurance business types; and the qualification materials sent by the requester for the specified type of insurance business are received.

[0199] In another exemplary embodiment, the processing unit 1404 is also used to obtain confirmation information sent by the requesting party based on the contract document, the confirmation information including signature information and payment information; verify the signature information and payment information; if the signature information and payment information are verified, generate policy information corresponding to the specified type of insurance business, and store the policy information in the corresponding blockchain node.

[0200] In another exemplary embodiment, the acquisition unit 1401 is used to obtain the claim materials uploaded by the requester from the blockchain, and obtain the target policy information matching the claim materials; the pre-processing unit 1402 is used to generate an initial contract based on the claim materials and the target policy information using the insurance business processing model; the review unit 1403 is used to update the initial contract based on the contract review result of the initial contract to obtain a claim contract, and store the claim contract on the chain; the processing unit 1404 is used to process the claim based on the claim contract after the requester confirms the claim contract.

[0201] In another exemplary embodiment, the preprocessing unit 1402 is also used to analyze the claim materials to obtain the key claim content of the claim materials; verify the key claim content based on the target policy information to obtain the claim verification result; calculate the claim amount based on the claim verification result and the target policy information; obtain a claim draft, fill the claim verification result and the claim amount into the claim draft to obtain an initial contract.

[0202] In another exemplary embodiment, the review unit 1403 is also used to review the content information and content logic of the initial contract based on the claim materials and the target policy information to obtain the contract review result; obtain the contract content to be added; and update the initial contract based on the contract review result and the contract content to be added to obtain the claim contract.

[0203] In another exemplary embodiment, the processing unit 1404 is also used to obtain claim confirmation information sent by the requesting party based on the claim contract; if the claim confirmation information indicates that the requesting party agrees with the claim contract, the claim is processed based on the claim contract; if the claim confirmation information indicates that the requesting party does not agree with the claim contract, the appeal request sent by the requesting party is obtained; the claim contract is updated based on the appeal request until the requesting party agrees with the updated claim contract, and the claim is processed based on the updated claim contract.

[0204] It should be noted that the insurance business processing device based on blockchain provided in the above embodiment and the insurance business processing method based on blockchain provided in the above embodiment belong to the same concept, wherein the specific manner in which each module and unit performs the operation has been described in detail in the method embodiment, and will not be repeated here. In actual application, the insurance business processing device based on blockchain provided in the above embodiment can distribute the above functions to different functional modules as needed, that is, divide the internal structure of the device into different functional modules to complete all or part of the functions described above, and this is not limited here.

[0205] An embodiment of the present application also provides an electronic device, comprising: one or more processors; a storage device for storing one or more programs, and when the one or more programs are executed by one or more processors, the electronic device implements the blockchain-based insurance business processing method provided in the above-mentioned embodiments.

[0206] Fig.15 The structure diagram of the computer system suitable for implementing the electronic device of the embodiment of the present application is shown. It should be noted that: Fig.15 The computer system 1500 of the electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0207] like Fig.15 As shown, the computer system 1500 includes a central processing unit (CPU) 1501, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1502 or the program loaded from the storage part 1508 to the random access memory (RAM) 1503, such as executing the method in the above embodiment. Various programs and data required for system operation are also stored in RAM 1503. CPU 1501, ROM 1502 and RAM 1503 are connected to each other through a bus 1504. Input / output (I / O) interface 1505 is also connected to bus 1504.

[0208] The following components are connected to the I / O interface 1505: an input section 1506 including a keyboard, a mouse, etc.; an output section 1507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1508 including a hard disk, etc.; and a communication section 1509 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 1509 performs communication processing via a network such as the Internet. A drive 1510 is also connected to the I / O interface 1505 as needed. A removable medium 1511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1510 as needed, so that a computer program read therefrom is installed into the storage section 1508 as needed.

[0209] In particular, according to an embodiment of the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a computer program for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication section 1509, and / or installed from a removable medium 1511. When the computer program is executed by a central processing unit (CPU) 1501, various functions defined in the system of the present application are executed.

[0210] It should be noted that the computer-readable medium shown in the embodiment of the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable computer program. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. A computer program contained on a computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0211] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. Among them, each box in the flowchart or block diagram can represent a module, a program segment or a part of the code, and the above-mentioned module, a program segment or a part of the code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0212] The units involved in the embodiments described in this application may be implemented by software or hardware, and the units described may also be set in a processor. The names of these units do not, in some cases, constitute limitations on the units themselves.

[0213] Another aspect of the present application further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the above-mentioned blockchain-based insurance business processing method. The computer-readable storage medium may be included in the electronic device described in the above embodiment, or may exist independently without being assembled into the electronic device.

[0214] Another aspect of the present application further provides a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the blockchain-based insurance business processing method provided in each of the above embodiments.

[0215] The above are only preferred embodiments of the present application and are not intended to limit the present application. Any modifications, equivalent substitutions or improvements made within the spirit and principles of the present application should be included in the protection scope of the present application.

Claims

1. A blockchain-based insurance business processing method, characterized in that: include: Obtain qualification materials sent by the requesting party for specified types of insurance business; Inputting the qualification materials and the credible certification data corresponding to the qualification materials into an insurance business processing model, so as to calculate the credibility of the qualification materials based on the qualification materials and the credible certification data through the insurance business processing model, and generating an insurance qualification report based on the credibility of the qualification materials; If the insurance qualification of the requesting party is approved based on the insurance qualification report, the contract document corresponding to the specified type of insurance business is sent to the requesting party; After the requesting party confirms the contract document, the policy information corresponding to the specified type of insurance business will be stored on the chain.

2. The method according to claim 1, characterized in that The step of inputting the qualification material and the credible certification data corresponding to the qualification material into the insurance business processing model, so as to calculate the credibility of the qualification material based on the qualification material and the credible certification data through the insurance business processing model, comprises: Obtaining credible certification data corresponding to the qualification materials; Extracting features from the qualification materials and the trustworthy proof data to obtain qualification features and trustworthy proof features; The qualification characteristics and the trusted proof characteristics are input into an insurance business processing model so that the insurance business processing model can calculate the correlation between the qualification materials and the trusted proof data based on the qualification characteristics and the trusted proof characteristics, and generate the credibility for the qualification materials based on the correlation.

3. The method according to claim 1, characterized in that If the insurance qualification of the requesting party is approved based on the insurance qualification report, the contract document corresponding to the specified type of insurance business is sent to the requesting party, including: Reviewing the insurance qualification of the requesting party based on the insurance qualification report to obtain a qualification review result; If the qualification review result indicates that the insurance qualification of the requesting party is approved, a contract document corresponding to the specified type of insurance business is generated; The contract document corresponding to the specified type of insurance business is sent to the requesting party.

4. The method according to claim 1, characterized in that The qualification materials sent by the requesting party for the specified type of insurance business include: Receiving an insurance participation request sent by the requesting party, wherein the insurance participation request carries characteristic information of the requesting party; Utilizing the insurance business processing model, calculating the recommended insurance business type of the requesting party based on the characteristic information; Sending the recommended insurance business type to the requesting party so that the requesting party selects the designated type of insurance business from the recommended insurance business types; Receive the qualification materials sent by the requesting party for the specified type of insurance business.

5. The method according to claim 1, characterized in that After the requesting party confirms the contract document, the policy information corresponding to the specified type of insurance business is stored on the chain, including: Acquiring confirmation information sent by the requesting party based on the contract document, wherein the confirmation information includes signature information and payment information; Verifying the signature information and the payment information; If the signature information and the payment information are verified, the insurance policy information corresponding to the specified type of insurance business is generated and stored in the corresponding blockchain node.

6. The method according to any one of claims 1 to 5, characterized in that The method further comprises: Obtaining the claim materials uploaded by the requesting party from the blockchain, and obtaining target policy information matching the claim materials; Using an insurance business processing model, generating an initial contract based on the claim settlement materials and the target policy information; Based on the contract review result of the initial contract, the initial contract is updated to obtain a claim settlement contract, and the claim settlement contract is stored on the chain; After the requesting party confirms the claim settlement contract, the claim settlement is processed based on the claim settlement contract.

7. The method according to claim 6, characterized in that The step of utilizing the insurance business processing model to generate an initial contract based on the claim settlement materials and the target policy information includes: Analyze the claim materials to obtain key content of the claim materials; Verifying the key content of the claim based on the target policy information to obtain a claim verification result; Calculating a claim amount based on the claim verification result and the target policy information; A claim draft is obtained, and the claim verification result and the claim amount are filled into the claim draft to obtain the initial contract.

8. The method according to claim 6, characterized in that The updating of the initial contract to obtain a claim settlement contract based on the contract review result of the initial contract includes: Reviewing the content information and content logic of the initial contract based on the claim materials and the target policy information to obtain a contract review result; Get the contract content to be added; The initial contract is updated based on the contract review result and the contract content to be added to obtain a claim settlement contract.

9. The method according to claim 6, characterized in that After the requesting party confirms the claim settlement contract, the claim settlement process is performed based on the claim settlement contract, including: Obtaining claim confirmation information sent by the requesting party based on the claim settlement contract; If the claim confirmation information indicates that the requesting party agrees with the claim settlement contract, the claim settlement is processed based on the claim settlement contract; If the claim confirmation information indicates that the requesting party does not agree with the claim settlement contract, obtaining a complaint request sent by the requesting party; The claim settlement contract is updated based on the complaint request until the requesting party agrees to the updated claim settlement contract, and then the claim settlement is processed based on the updated claim settlement contract.

10. An insurance business processing device based on blockchain, characterized in that: include: An acquisition unit, used to acquire qualification materials sent by a requesting party for a specified type of insurance business; A preprocessing unit, configured to input the qualification materials and the credible certification data corresponding to the qualification materials into an insurance business processing model, so as to calculate the credibility of the qualification materials based on the qualification materials and the credible certification data through the insurance business processing model, and to generate an insurance qualification report based on the credibility of the qualification materials; An audit unit, configured to send a contract document corresponding to the specified type of insurance business to the requesting party if the insurance qualification of the requesting party is audited and approved based on the insurance qualification report; A processing unit is used to store the policy information corresponding to the specified type of insurance business on the chain after the requesting party confirms the contract document.

11. An electronic device, characterized in that: include: one or more processors; A memory for storing one or more programs, which, when executed by the electronic device, enables the electronic device to implement the blockchain-based insurance business processing method described in any one of claims 1 to 9.

12. A computer readable medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the blockchain-based insurance business processing method described in any one of claims 1 to 9 is implemented.

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