Insurance product renewal processing method, insurance service network system and storage medium

Abstract

The invention provides an insurance product renewal processing method, an insurance service network system and a computer readable storage medium, and belongs to the technical field of insurance finance. The insurance service network system comprises an insurance supply node, an insurance consumption node and a transaction node, and the method comprises the following steps: a target insurance supply node stores first insurance policy information of an initial product insurance policy of a target insurance consumption node into a data storage type node of the insurance service network system, a product replacement insurance renewal request carrying second insurance policy information and sent by the target insurance consumption node is received; the target insurance supply node sends a product replacement insurance renewal request to the data storage type node; and when the product replacement insurance renewal request meets the preset deduction switching condition, the target insurance supply node sends an insurance renewal success notification of the insurance renewal product policy to the target insurance consumption node. According to the invention, under the condition that the insurance renewal transaction security is improved, the complexity of an operation program of automatic money deduction authorization during insurance renewal is reduced, and the insurance renewal operation convenience is improved.

Description

Technical Field

[0001] The present application relates to the field of insurance and financial technology, and specifically to an insurance product renewal processing method, an insurance business network system, and a computer-readable storage medium. Background Art

[0002] In order to improve the convenience of insurance renewal operations, in related technologies, customers bind various payment methods so that automatic deductions can be made when the insurance is underwritten in the second year. However, when the insurance is renewed, if the product type of the insured product is replaced / if the insurance content or rules of the insurance product are changed, in order to ensure transaction security, it is necessary to enable automatic deductions for the new insurance product. It can be seen that the automatic deduction operation procedure for changes in product content is complicated and the transaction efficiency is low. Summary of the invention

[0003] The present application provides an insurance product renewal processing method, an insurance business network system and a computer-readable storage medium, which belong to the field of insurance and financial technology. ...

[0004] In a first aspect, the present application provides an insurance product renewal processing method, which is applied to an insurance business network system, wherein the insurance business network system includes at least one insurance supply node, at least one insurance consumption node, and at least one transaction node, and the method includes:

[0005] The target insurance supply node stores the first policy information of the initial product policy of the target insurance consumption node in the data storage node of the insurance business network system, wherein the first policy information includes the product content, insurance information and automatic deduction account information of the initial product policy;

[0006] The target insurance supply node receives the product replacement renewal request sent by the target insurance consumption node, wherein the product replacement renewal request carries second policy information of the renewal product policy, and the second policy information includes product content and insurance information of the renewal product policy;

[0007] The target insurance supply node sends the product replacement renewal request to the data storage node, so that the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information;

[0008] If the product replacement renewal request meets the preset deduction switching condition, the target insurance supply node receives the renewal automatic deduction notification sent by the target transaction node matching the automatic deduction account information;

[0009] The target insurance supply node sends a renewal success notification of the renewal product policy to the target insurance consumption node.

[0010] In a second aspect, the present application provides an insurance business network system, the insurance business network system comprising an insurance supply node, an insurance consumption node and a transaction node;

[0011] The insurance supply node is used to store the first policy information of the initial product policy of the insurance consumption node in the data storage node of the insurance business network system, wherein the first policy information includes the product content, insurance information and automatic deduction account information of the initial product policy;

[0012] The insurance consumption node is used to send a product replacement renewal request to the insurance supply node, wherein the product replacement renewal request carries second policy information of the renewal product policy, and the second policy information includes product content and insurance information of the renewal product policy;

[0013] The insurance supply node is further configured to, upon receiving a product replacement renewal request sent by the insurance consumption node, send the product replacement renewal request to the data storage node, so that the data storage node determines whether the product replacement renewal request meets a preset deduction switching condition based on the first policy information and the second policy information;

[0014] The insurance supply node is further configured to receive a renewal automatic deduction notification sent by a transaction node matching the automatic deduction account information when the product replacement renewal request meets a preset deduction switching condition;

[0015] The insurance supply node is also used to send a renewal success notification of the renewal product policy to the insurance consumption node.

[0016] In a third aspect, the present application also provides a computer-readable storage medium on which a computer program is stored, and the computer program is loaded by a processor to execute the insurance product renewal processing method.

[0017] The present application achieves this by storing the first policy information of the initial product policy of the target insurance consumption node in the data storage node of the insurance business network system. When the target insurance consumption node initiates a product replacement renewal request, the data storage node determines that the product replacement renewal request meets the preset deduction switching conditions based on the first policy information and the second policy information, and the target transaction node triggers the renewal automatic deduction notification of the renewal product policy. When the target insurance supply node receives the renewal automatic deduction notification, it sends a renewal success notification to the target insurance consumption node. On the one hand, when the insurance consumption node wants to change the insured product at the time of renewal, there is no need to repeatedly bind the contract and confirm the product information to complete the automatic deduction authorization for the renewal product, thereby reducing the complexity of the operating procedures for automatic deduction authorization at renewal and improving the convenience of renewal operations. On the second hand, since the first insurance policy information is stored in the data storage node of the insurance business network system, rather than being stored separately in the target insurance supply node, it can prevent the automatic deduction account information and insurance policy information from being maliciously tampered with. Therefore, the automatic deduction of the renewal product is triggered only when the data storage node determines that the product replacement renewal request meets the preset deduction switching conditions, which can improve the safety of the automatic deduction function and the safety of the insurance consumer's automatic deduction authorization information. Therefore, this embodiment can reduce the complexity of the operation procedure of automatic deduction authorization during renewal while improving the safety of renewal transactions, and improve the convenience of renewal operations. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For those skilled in the art, other drawings can be obtained based on these drawings without creative work.

[0019] Figure 1 It is a schematic block diagram of the structure of an insurance business network system provided by an embodiment of the present application;

[0020] Figure 2 This is a flow chart of a method for processing insurance product renewal provided by an embodiment of the present application;

[0021] Figure 3 It is a schematic diagram of an embodiment of the interaction between nodes in the insurance product renewal processing process in the embodiment of the present application;

[0022] Figure 4 This is a flow chart of an embodiment of storing the first insurance policy information to the insurance business network system in the embodiment of the present application;

[0023] Figure 5 It is a flowchart of a determination embodiment of whether the preset deduction switching conditions are met in the embodiment of the present application. DETAILED DESCRIPTION

[0024] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative work are within the scope of protection of this application.

[0025] The flowcharts shown in the accompanying drawings are only examples 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 may be decomposed, combined or partially merged, so the actual execution order may change according to actual conditions.

[0026] In the description of the embodiments of the present application, it should be understood that the terms "first" and "second" are used for descriptive purposes only and cannot be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, the features defined as "first" and "second" may explicitly or implicitly include one or more of the features. In the description of the embodiments of the present application, the meaning of "multiple" is two or more, unless otherwise clearly and specifically defined.

[0027] In order to enable any technician in the field to implement and use the application, the following description is given. In the following description, details are listed for the purpose of explanation. It should be understood that those of ordinary skill in the art can recognize that the application can also be implemented without using these specific details. In other examples, the known process will not be elaborated in detail to avoid unnecessary details that make the description of the embodiment of the application obscure. Therefore, the application is not intended to be limited to the embodiments shown, but is consistent with the widest range of principles and features disclosed in accordance with the embodiments of the application.

[0028] Embodiments of the present application provide an insurance product renewal processing method, an insurance business network system, and a computer-readable storage medium.

[0029] Some embodiments of the present application are described in detail below in conjunction with the accompanying drawings. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0030] Figure 1 It is a schematic block diagram of the structure of an insurance business network system provided in an embodiment of the present application.

[0031] like Figure 1As shown, the insurance business network system 100 includes at least one insurance supply node 101, at least one insurance consumption node 102, and at least one transaction node 103. The insurance business network system 100 may specifically be a system built based on blockchain network technology.

[0032] The insurance supply node 101 is used to provide insurance product services, for example, it can provide insurance consumers with insurance product consultation, product selection, insurance (such as premium calculation, underwriting, payment, and insurance) and the like.

[0033] The insurance consumption node 102 is used to consume insurance product services, for example, to consult insurance products and purchase insurance products.

[0034] The transaction node 103 is used to implement the fee transaction of insurance product services, for example, payment and refund of insurance products can be completed.

[0035] See also Figure 2 , Figure 2 201 to 205, wherein:

[0036] 201. The target insurance supply node stores the first policy information of the initial product policy of the target insurance consumption node in the data storage node of the insurance business network system.

[0037] Among them, the first insurance policy information includes the product content, insurance information and automatic deduction account information of the initial product policy.

[0038] Among them, the insurance consumption node is the network node where insurance products and services are consumed, for example, the network node where insurance buyers and insurance consultants are located.

[0039] Among them, the target insurance consumption node is an insurance consumption node where the insured product needs to be changed after insurance is taken out, and the insured product before the change has been bound to the automatic deduction function.

[0040] The insurance supply node is a network node where the insurance supplier is located, for example, the network node where the insurance company or insurance agent is located.

[0041] Among them, the target insurance supply node is an insurance supply node that provides insurance product services to the target insurance consumption node.

[0042] Among them, the initial product policy is the policy of the initial insured product, that is, the policy of the insured product before the change.

[0043] In order to better understand the embodiments of the present application, some names involved in the embodiments are introduced below:

[0044] 1. Insured products: various insurance plans or programs provided by insurance providers.

[0045] 2. Product content: Product content may include but is not limited to insurance type (such as medical insurance, car insurance), insured amount (such as the amount that the insurance company will pay when an insurance accident occurs), basic insurance terms, coverage (such as specific instructions on which situations are covered by insurance liability), exclusions (such as listing of situations that are not covered), insurance period (such as the time when the policy takes effect and the validity period), premium (such as the amount that the insured needs to pay), responsibilities and rights, etc.

[0046] 3. Insurance information: Insurance information may include but is not limited to basic information (such as the name and address of the insured and the insured), payment method, etc.

[0047] 4. The same insured product: refers to insured products with the same product content. The definition of the same product content can be determined according to the actual business scenario requirements. For example, if two insured products have the same insurance type (such as medical insurance, car insurance) and the same coverage period (such as 1 year), then the two insured products can be considered to be the same insured product. For another example, if two insured products have the same insurance type, the same coverage period, and the same plan (such as claim coverage, insured amount, premium), then the two insured products can be considered to be the same insured product.

[0048] 5. Product policy: a contract signed for a certain insured product.

[0049] 6. Policy information: Policy information may include product content of the insured product, insurance information, and automatic deduction account information (when the payment method selected is automatic deduction for renewal).

[0050] 7. Data storage nodes: Data storage nodes refer to nodes in the insurance business network system (including insurance supply nodes, insurance consumption nodes, and transaction nodes) that can be used to store policy information. Data storage nodes are used to store complete policy information. In some embodiments, in order to reduce the data storage performance requirements of some nodes and improve the node scalability of the insurance business network system, some nodes in the insurance business network system, but not all nodes, are used as data storage nodes. For example, insurance supply nodes and transaction nodes are used as data storage nodes, while insurance consumption nodes are not used as data storage nodes, so as to reduce the storage performance requirements of insurance consumption nodes accessing the insurance business network system and improve the scalability of insurance consumption nodes.

[0051] 8. Hash storage nodes: Data storage nodes refer to nodes in the insurance business network system (including insurance supply nodes, insurance consumption nodes, and transaction nodes) that can be used to store hash values ​​generated for policy information. Hash storage nodes are used to store hash values ​​of policy information, which can be used to verify the authenticity of policy information stored in data storage nodes, prevent policy information from being tampered with, and effectively ensure the storage security and integrity of policy information.

[0052] For example, see Figure 3 , Figure 3 This is a schematic diagram of the interaction between network nodes to achieve automatic deduction when the insured product changes during renewal provided in the embodiment of the present application. Figure 3 As shown, the specific implementation process of step 201 can be as follows:

[0053] 1) First, the target insurance supply node (such as insurance company P1) can provide insurance product services (such as displaying insured product 1, insured product 2, ...) to the target insurance consumption node (such as insurance customer C1. Specifically, insurance customer C1 can consume insurance product services through the client provided by insurance company P1).

[0054] 2) Then, the target insurance consumption node (such as insurance customer C1) can choose one of the insurance products to insure. After the target insurance consumption node (such as insurance customer C1) selects the product to be insured, the target insurance consumption node (such as insurance customer C1) sends an insurance request to the target insurance supply node (such as insurance company P1), wherein the insurance request carries the product content, insurance information, and automatic deduction account information of the insured product (i.e., the initial insured product) of the target insurance supply node, i.e., the insurance request carries the first policy information of the initial product policy.

[0055] 3) After the target insurance supply node (such as insurance company A) receives the insurance request from the target insurance consumption node (such as insurance customer C1), it first generates a hash value of the first policy information, and then broadcasts the first policy information of the initial product policy of the target insurance consumption node and the hash value of the first policy information to the insurance business network system.

[0056] 4) After the data storage node in the insurance business network system receives the first policy information, it stores the first policy information in the node; after the hash storage node in the insurance business network system receives the hash value of the first policy information, it stores the hash value of the first policy information in the node.

[0057] There are many ways to implement step 201, illustratively including:

[0058] (1) In some embodiments, all nodes of the insurance business network system are used as data storage nodes and hash storage nodes. In this case, step 201 may specifically include the following steps 2011A to 2013A:

[0059] 2011A. The target insurance supply node broadcasts the first insurance policy information to each node in the insurance business network system.

[0060] 2012A. Each node in the insurance business network system generates a data hash value of the initial product policy based on the first policy information.

[0061] 2013A. Each node in the insurance business network system stores the data hash value of the initial product policy and the first policy information generated by itself in its own node.

[0062] (2) In some embodiments, in order to improve the node scalability of the insurance business network system, some nodes of the insurance business network system are used as data storage nodes and some nodes are used as hash storage nodes. The hash value is generated at the target insurance supply node. Figure 4 As shown, step 201 may specifically include the following steps 2011B to 2013B:

[0063] 2011B. The target insurance supply node generates a first data hash value of the first insurance policy information.

[0064] 2012B. The target insurance supply node broadcasts the first insurance policy information to the data storage node, so that the data storage node stores the first insurance policy information.

[0065] 2013B. The target insurance supply node broadcasts the first data hash value to the hash storage class node so that the hash storage class node stores the first data hash value.

[0066] For example, the insurance business network system includes 1 insurance supply node (node ​​P1), 5 insurance consumption nodes (nodes C1, C2, C3, C4, C5), and 3 transaction nodes (nodes F1, F2, and F3). At this time, it is assumed that the insurance supply node P1 is the target insurance supply node, the data storage nodes are nodes P1, node F1, node F2, and node F3, and the hash storage nodes include nodes P1, node C1, node C2, node C3, node C4, node C5, node F1, node F2, and node F3. Node P1 can generate a first data hash value for the first policy information, and then broadcast it to the insurance business network system. The hash storage nodes including node P1, node C1, node C2, node C3, node C4, node C5, node F1, node F2, and node F3 store the first data hash value in their respective nodes after receiving the broadcast; the insurance supply node P1 also broadcasts the first policy information to the insurance business network system. The data storage nodes including node P1, node F1, node F2, and node F3 store the first policy information in their respective nodes after receiving the broadcast.

[0067] In some embodiments, the number of data storage nodes is less than the number of hash storage nodes, and the number of data storage nodes is less than the total number of nodes in the insurance business network system. Thus, on the one hand, a part of the nodes in the insurance business network system, but not all nodes, can be used as data storage nodes, so that some nodes do not need to store complete data, which reduces the data storage performance requirements of some nodes and improves the node scalability of the insurance business network system. For example, the insurance supply node and the transaction node are used as data storage nodes, while the insurance consumption node is not used as a data storage node, so as to reduce the storage performance requirements of the insurance consumption node accessing the insurance business network system and improve the scalability of the insurance consumption node. On the other hand, the hash value of the complete data stored in multiple nodes of the insurance business network system can be used to verify the authenticity of the insurance policy information stored in the data storage node, to prevent the insurance policy information from being tampered with, and effectively ensure the storage security and integrity of the insurance policy information.

[0068] 202. The target insurance supply node receives a product replacement renewal request sent by the target insurance consumption node.

[0069] The product replacement renewal request carries the second policy information of the renewal product policy, and the second policy information includes the product content and insurance information of the renewal product policy.

[0070] Among them, the second policy information is the policy information of the renewal product policy.

[0071] Among them, the renewal insured product is the insured product that replaces the initial insured product when renewing the policy.

[0072] Among them, the renewal product policy is the policy for the renewal of the insured product, that is, the policy for the insured product after the change.

[0073] For example, Figure 3 As shown, the specific implementation process of step 202 can be as follows:

[0074] 1) Before the renewal time of the initial product policy, the target insurance supply node determines a recommended list of renewal products for the initial product policy based on actual business scenario requirements, for example, based on the insurance demand information and historical insurance information of the insurance consumer of the initial product policy. The recommended list of renewal products includes at least one renewal product, and the renewal products in the recommended list of renewal products are the insurance products recommended for renewal of the initial product policy.

[0075] 2) When the renewal time point of the initial product policy is met, the target insurance supply node sends the renewal recommendation information of the initial product policy to the target insurance consumption node, wherein the renewal recommendation information includes a renewal product recommendation list of the initial product policy.

[0076] 3) When the target insurance consumption node receives the renewal recommendation information of the initial product policy, it selects one or more renewal products from the renewal product recommendation list of the initial product policy as the renewal insured products of the initial product policy; the target insurance consumption node sends a product replacement renewal request for the initial product policy to the target insurance supply node, wherein the product replacement renewal request carries the policy information of the renewal insured product (i.e., the second policy information).

[0077] 4) After the target insurance supply node receives the product replacement renewal request sent by the target insurance consumption node, the target insurance supply node parses the product replacement renewal request and obtains the renewal insured product of the initial product policy and the policy information of the renewal insured product (i.e., the second policy information).

[0078] In this way, when the renewal time point of the initial product policy is met, the target insurance supply node sends a recommended list of renewal products for the initial product policy to the target insurance consumption node, so that the target insurance consumption node selects the renewal product for the initial product policy from the recommended list of renewal products.

[0079] 203. The target insurance supply node sends the product replacement renewal request to the data storage node, so that the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information.

[0080] There are many ways to implement step 203, which include, for example:

[0081] (1) When the second data hash value of the first policy information stored in the data storage node itself is consistent with the first data hash value stored in the hash storage node, it will trigger the judgment of whether the product replacement renewal request meets the preset deduction switching conditions. This can prevent the first policy information stored in the data storage node from being tampered with, thereby improving the security of the automatic deduction function when switching product content during renewal, and avoiding the problem of automatic deduction being automatically triggered for two insurance products that do not meet the automatic deduction conditions. At this time, if Figure 5 As shown, in step 203, "the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information" may specifically include the following steps 2031A to 2035A:

[0082] 2031A. The target insurance supply node sends the product replacement renewal request to the data storage node.

[0083] 2032A. The data storage node generates a second data hash value based on the first insurance policy information stored in the data storage node in response to the product replacement renewal request.

[0084] 2033A. The data storage node sends the second data hash value to the hash storage node.

[0085] 2034A. When the second data hash value is consistent with the first data hash value stored by the hash storage class node, the hash storage class node sends data matching information of the first insurance policy information to the data storage class node.

[0086] 2035A. When the data storage node receives the data matching information sent by the hash storage node, the data storage node determines whether the product replacement renewal request meets the preset deduction switching conditions based on the first policy information and the second policy information.

[0087] The method of determining whether the preset deduction switching conditions are met in step 2035A can refer to steps 2031B to 2033B, which will not be repeated here.

[0088] It is understandable that in order to improve the scalability of the insurance business network system, as few data storage nodes as possible can be used to store complete policy information. For example, the insurance business network system can only set up one data storage node for storing complete policy information. However, when the insurance business network system sets up a single data storage node, there may be a situation where the policy information stored in the data storage node is unavailable when the data storage node fails or is offline, resulting in the loss of policy information. In some embodiments, in order to reduce the problem of information loss, the number of data storage nodes can be greater than two. At this time, it is necessary to perform steps 2031A to 2035A for each data storage node to determine whether the product replacement renewal request meets the preset deduction switching condition; when all data storage nodes determine that the product replacement renewal request meets the preset deduction switching condition, the product replacement renewal request is finally determined to meet the preset deduction switching condition; otherwise, if one of the data storage nodes determines that the product replacement renewal request does not meet the preset deduction switching condition, the product replacement renewal request is finally determined to not meet the preset deduction switching condition. In some embodiments, in order to reduce the problem of information loss, the number of data storage class nodes can be greater than two. At this time, it is necessary to execute steps 2031A to 2035A for each data storage class node to determine whether the product replacement renewal request meets the preset deduction switching conditions; when the proportion of data storage class nodes that determine that the product replacement renewal request meets the preset deduction switching conditions is greater than or equal to the preset proportion threshold, the product replacement renewal request is finally determined to meet the preset deduction switching conditions; otherwise, if the proportion of data storage class nodes that determine that the product replacement renewal request meets the preset deduction switching conditions is less than the preset proportion threshold, then the product replacement renewal request is finally determined to not meet the preset deduction switching conditions.

[0089] (2) After receiving the product replacement renewal request sent by the target insurance supply node, the data storage node directly triggers the determination of whether the product replacement renewal request meets the preset deduction switching condition. At this time, in step 203, "the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information" may specifically include the following steps 2031B to 2033B:

[0090] 2031B. The data storage node compares whether the product content of the initial product policy matches the product content of the renewal product policy.

[0091] For example, the product content can be divided into mandatory matching item content and non-mandatory matching item content. Whether the product content of the initial product policy matches the product content of the renewal product policy is divided into two parts of content comparison: the first part is the comparison of the mandatory matching item content. For example, taking the product content including insurance type, insured amount, basic insurance terms, coverage, exclusions, insurance period, premium, liability and rights as an example, the mandatory matching items can be set to insurance type, exclusions, liabilities and rights. Then it is necessary to compare whether the insurance type, exclusions, liabilities and rights of the initial product policy are consistent with the insurance type, exclusions, liabilities and rights of the renewal product policy; if the insurance type, exclusions, liabilities and rights of the initial product policy are inconsistent with the insurance type, exclusions, liabilities and rights of the renewal product policy, it is determined that the product content of the initial product policy does not match the product content of the renewal product policy. The second part is the comparison of the content of non-mandatory matching items. For example, the content of non-mandatory matching items can be set to the insured amount, basic insurance terms, coverage, insurance period, and premium. It is necessary to compare whether the similarity between the insured amount, basic insurance terms, coverage, insurance period, and premium of the initial product policy and the insured amount, basic insurance terms, coverage, insurance period, and premium of the renewal product policy is greater than the preset similarity threshold; if the similarity between the insured amount, basic insurance terms, coverage, insurance period, and premium of the initial product policy and the insured amount, basic insurance terms, coverage, insurance period, and premium of the renewal product policy is less than the preset similarity threshold, it is determined that the product content of the initial product policy does not match the product content of the renewal product policy. If the insurance type, exclusions, liabilities and rights of the initial product policy are consistent with those of the renewal product policy, and the similarity between the insured amount, basic insurance terms, coverage, insurance period, premium of the initial product policy and the insured amount, basic insurance terms, coverage, insurance period and premium of the renewal product policy is greater than the preset similarity threshold, then the product content of the initial product policy is determined to match the product content of the renewal product policy.

[0092] 2032B. The data storage node compares whether the insurance information included in the first insurance policy information matches the insurance information included in the second insurance policy information.

[0093] Exemplarily, a data storage node may compare whether the insurance information contained in the first policy information is consistent with the insurance information contained in the second policy information; if the insurance information contained in the first policy information is consistent with the insurance information contained in the second policy information, then it is determined that the insurance information contained in the first policy information matches the insurance information contained in the second policy information; if the insurance information contained in the first policy information is inconsistent with the insurance information contained in the second policy information, then it is determined that the insurance information contained in the first policy information does not match the insurance information contained in the second policy information.

[0094] 2033B. If the product content of the initial product policy matches the product content of the renewal product policy, and the insurance information contained in the first policy information matches the insurance information contained in the second policy information, then the data storage node determines that the product replacement renewal request meets the preset deduction switching conditions.

[0095] 204. If the product replacement renewal request meets the preset deduction switching condition, the target insurance supply node receives a renewal automatic deduction notification sent by a target transaction node that matches the automatic deduction account information.

[0096] In some embodiments, there is one data storage class node. When the data storage class node determines whether a product replacement renewal request meets a preset deduction switching condition, the data storage class node sends automatic deduction satisfaction information of the product replacement renewal request to a target transaction node that matches the automatic deduction account information; when the target transaction node receives the automatic deduction satisfaction information, the target transaction node automatically deducts money from the renewal product policy, and after the automatic deduction of the renewal product policy is completed, the target transaction node sends a renewal automatic deduction notification of the renewal product policy to the target insurance supply node; the target insurance supply node receives the renewal automatic deduction notification sent by the target transaction node.

[0097] In some embodiments, the data storage class node includes multiple nodes. When the data storage class node determines whether the product replacement renewal request meets the preset deduction switching condition, the data storage class node sends the automatic deduction satisfaction information of the product replacement renewal request to the target transaction node that matches the automatic deduction account information; when the target transaction node receives the automatic deduction satisfaction information, the target transaction node updates the node ratio of the automatic deduction satisfaction information; when the node ratio is greater than or equal to the preset ratio threshold, the target transaction node sends the renewal automatic deduction notice of the renewal product policy to the target insurance supply node. Wherein, the node ratio refers to the ratio between the number of data storage nodes that have sent the automatic deduction satisfaction information to the target transaction node and the total number of data storage nodes of the insurance business network system. Therefore, by triggering the target insurance supply node to send the renewal automatic deduction notice of the renewal product policy to the target insurance supply node only when the node ratio is greater than or equal to the preset ratio threshold, the problem of data tampering of a single data storage class node can be avoided, thereby ensuring the security of the automatic deduction function.

[0098] 205. The target insurance supply node sends a renewal success notification of the renewal product policy to the target insurance consumption node.

[0099] Exemplarily, after the automatic deduction of the renewal product policy is completed, the target insurance supply node will receive the renewal automatic deduction notification of the renewal product policy sent by the target transaction node. When the target insurance supply node receives the renewal automatic deduction notification of the renewal product policy sent by the target transaction node, it will send the renewal success notification of the renewal product policy to the target insurance consumption node.

[0100] Furthermore, when the operating status of the target insurance consumption node is abnormal, for example, the insurance customer's account balance is insufficient, the insurance company's system failure, the financial institution's system failure and other problems lead to the failure of renewal, the data storage node is used to record the operating interruption information of the target insurance consumption node, so that the operating interruption information of the target insurance consumption node can be recorded in the insurance business network system. When the operating status of the target insurance consumption node returns to normal, the original operating process can be continued in order to recover from the abnormality, thereby maximizing the customer's operating convenience and improving the user experience.

[0101] For ease of understanding, the following takes "the target insurance supply node is the insurance company, the target insurance consumption node is the insurance customer, and the target transaction node is the financial institution" as an example to explain the renewal processing method of the insurance product. Figure 3 As shown, the insurance product renewal process can be as follows:

[0102] 1. The insurance company stores the policy information of the insured (i.e., the first policy information) and the account information of the financial institution in the insurance business network system. The insurance company converts the policy information of the insured into blockchain data, and then stores the data in the insurance business network system. The insurance company also converts the account information of the financial institution into blockchain data, and then stores the data in the insurance business network system. This is equivalent to storing the first policy information in the data storage node of the insurance business network system. For detailed implementation, please refer to the relevant description of step 201, which will not be repeated here.

[0103] 2. When an insurance customer renews his / her policy, the insurance company initiates a renewal request through the insurance business network system. When an insurance customer renews his / her policy, the insurance company sends the insurance customer's renewal information to the financial institution through the insurance business network system. The renewal information may include the insurance customer's name, policy number, renewal amount, etc.

[0104] 3. The financial institution automatically deducts money from the insurance customer's account according to the renewal request. After receiving the renewal request, the financial institution automatically deducts money from the insurance customer's account according to the renewal amount. After the deduction is successful, the financial institution feeds back the deduction result to the insurance company. For detailed implementation, please refer to the relevant description of step 204, which will not be repeated here.

[0105] 4. After receiving the deduction result from the financial institution, the insurance company sends a successful renewal notice to the insurance customer. For detailed implementation, please refer to the relevant description of step 204, which will not be repeated here.

[0106] As a result, when renewing the policy, the customer's product needs will be automatically calculated through big data, and other products will be recommended and notified to the customer. If the customer confirms, the policy will be automatically renewed across products without the need to go through a new process again.

[0107] From the above content, it can be seen that by storing the first policy information of the initial product policy of the target insurance consumption node in the data storage node of the insurance business network system, when the target insurance consumption node initiates a product replacement renewal request, the data storage node determines that the product replacement renewal request meets the preset deduction switching conditions based on the first policy information and the second policy information, and the target transaction node triggers the renewal automatic deduction notification of the renewal product policy. When the target insurance supply node receives the renewal automatic deduction notification, it sends a renewal success notification to the target insurance consumption node. On the first hand, when the insurance consumption node wants to change the insured product at the time of renewal, there is no need to repeatedly bind the contract and confirm the product information to complete the automatic deduction authorization of the renewal insured product, thereby reducing the complexity of the operating procedures for automatic deduction authorization at renewal and improving the convenience of renewal operations. On the second hand, since the first insurance policy information is stored in the data storage node of the insurance business network system, rather than being stored separately in the target insurance supply node, it can prevent the automatic deduction account information and insurance policy information from being maliciously tampered with. Therefore, the automatic deduction of the renewal product is triggered only when the data storage node determines that the product replacement renewal request meets the preset deduction switching conditions, which can improve the safety of the automatic deduction function and the safety of the insurance consumer's automatic deduction authorization information. Therefore, this embodiment can reduce the complexity of the operation procedure of automatic deduction authorization during renewal while improving the safety of renewal transactions, and improve the convenience of renewal operations.

[0108] In addition, in order to better implement the insurance product renewal processing method in the embodiment of the present application, on the basis of the insurance product renewal processing method, an insurance business network system is also provided in the embodiment of the present application, characterized in that the insurance business network system includes an insurance supply node, an insurance consumption node and a transaction node; the insurance supply node is used to store the first policy information of the initial product policy of the insurance consumption node in the data storage node of the insurance business network system, wherein the first policy information includes the product content, insurance information and automatic deduction account information of the initial product policy; the insurance consumption node is used to send a product replacement renewal request to the insurance supply node, wherein the product replacement renewal request carries the second policy information of the renewal product policy. policy information, the second policy information includes the product content and insurance information of the renewal product policy; the insurance supply node is also used to send the product replacement renewal request to the data storage node when receiving the product replacement renewal request sent by the insurance consumption node, so that the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information; the insurance supply node is also used to receive the renewal automatic deduction notification sent by the transaction node that matches the automatic deduction account information when the product replacement renewal request meets the preset deduction switching condition; the insurance supply node is also used to send the renewal success notification of the renewal product policy to the insurance consumption node.

[0109] In some embodiments, the insurance business network system includes data storage class nodes and hash storage class nodes, the number of the data storage class nodes is less than the number of the hash storage class nodes; the target insurance supply node is used to generate a first data hash value of the first policy information; the target insurance supply node is used to broadcast the first policy information to the data storage class node, so that the data storage class node stores the first policy information; the target insurance supply node is used to broadcast the first data hash value to the hash storage class node, so that the hash storage class node stores the first data hash value.

[0110] In some embodiments, the target insurance supply node is used to send the product replacement renewal request to the data storage class node; the data storage class node generates a second data hash value based on the first policy information stored in the data storage class node in response to the product replacement renewal request; the data storage class node sends the second data hash value to the hash storage class node; when the second data hash value is consistent with the first data hash value stored in the hash storage class node, the hash storage class node sends data matching information of the first policy information to the data storage class node; when the data storage class node receives the data matching information sent by the hash storage class node, the data storage class node determines whether the product replacement renewal request meets the preset deduction switching conditions based on the first policy information and the second policy information.

[0111] In some embodiments, the data storage node compares whether the product content of the initial product policy matches the product content of the renewal product policy; the data storage node compares whether the insurance information contained in the first policy information matches the insurance information contained in the second policy information; if the product content of the initial product policy matches the product content of the renewal product policy, and the insurance information contained in the first policy information matches the insurance information contained in the second policy information, then the data storage node determines that the product replacement renewal request meets the preset deduction switching conditions.

[0112] In some embodiments, if the product replacement renewal request meets the preset deduction switching conditions, the data storage node sends the automatic deduction satisfaction information of the product replacement renewal request to the target transaction node that matches the automatic deduction account information; when the target transaction node receives the automatic deduction satisfaction information, the target transaction node is used to send the renewal automatic deduction notification of the renewal product policy to the target insurance supply node; the target insurance supply node is used to receive the renewal automatic deduction notification sent by the target transaction node.

[0113] In some embodiments, the data storage type node includes multiple nodes. When the target transaction node receives the automatic deduction satisfaction information, the target transaction node is used to update the proportion of nodes that have sent the automatic deduction satisfaction information; when the proportion of nodes that have sent is greater than or equal to a preset proportion threshold, the target transaction node is used to send a renewal automatic deduction notification for the renewal product policy to the target insurance supply node.

[0114] In some embodiments, when the operation status of the target insurance consumption node is abnormal, the data storage node is used to record the operation interruption information of the target insurance consumption node.

[0115] In some embodiments, when the renewal time point of the initial product policy is met, the target insurance supply node is used to send a renewal product recommendation list of the initial product policy to the target insurance consumption node, so that the target insurance consumption node selects the renewal insured product of the initial product policy from the renewal product recommendation list.

[0116] The specific implementation of the insurance business network system can be found in the above-mentioned insurance product renewal processing method embodiment, which will not be repeated here.

[0117] A person of ordinary skill in the art will appreciate that all or part of the steps in the above-mentioned insurance product renewal processing method may be completed by instructions, or by controlling related hardware through instructions. The instructions may be stored in a computer-readable storage medium and loaded and executed by a processor.

[0118] To this end, an embodiment of the present application provides a computer-readable storage medium, in which a plurality of computer programs are stored, and the computer program can be loaded by a processor to execute any of the insurance product renewal processing methods provided in the embodiments of the present application. For example, in some embodiments, the computer program can be loaded by a processor to execute the following steps:

[0119] The target insurance supply node stores the first policy information of the initial product policy of the target insurance consumption node in the data storage node of the insurance business network system, wherein the first policy information includes the product content, insurance information and automatic deduction account information of the initial product policy; the target insurance supply node receives the product replacement renewal request sent by the target insurance consumption node, wherein the product replacement renewal request carries the second policy information of the renewal product policy, and the second policy information includes the product content and insurance information of the renewal product policy; the target insurance supply node sends the product replacement renewal request to the data storage node, so that the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information; if the product replacement renewal request meets the preset deduction switching condition, the target insurance supply node receives the renewal automatic deduction notification sent by the target transaction node that matches the automatic deduction account information; the target insurance supply node sends the renewal success notification of the renewal product policy to the target insurance consumption node.

[0120] The computer-readable storage medium may include: a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0121] In the above-mentioned insurance business network system and computer-readable storage medium embodiments, the description of each embodiment has its own emphasis. For parts not described in detail in a certain embodiment, reference can be made to the relevant description of other embodiments. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working process and beneficial effects of the above-described insurance business network system, computer-readable storage medium and its corresponding units can refer to the description of the insurance product renewal processing method in the above embodiment, and will not be repeated here.

[0122] The above is a detailed introduction to an insurance product renewal processing method, an insurance business network system, and a computer-readable storage medium provided in the embodiments of the present application. Specific examples are used in this article to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method and its core idea of ​​the present application; at the same time, for those skilled in the art, according to the idea of ​​the present application, there will be changes in the specific implementation method and application scope. In summary, the content of this specification should not be understood as a limitation on the present application. The non-company software tools or components that appear in the embodiments of the present application are only examples and do not represent actual use.

Claims

1. A method for processing insurance product renewal, characterized in that: Applied to an insurance business network system, the insurance business network system includes at least one insurance supply node, at least one insurance consumption node and at least one transaction node, the method includes: The target insurance supply node stores the first policy information of the initial product policy of the target insurance consumption node in the data storage node of the insurance business network system, wherein the first policy information includes the product content, insurance information and automatic deduction account information of the initial product policy; The target insurance supply node receives the product replacement renewal request sent by the target insurance consumption node, wherein the product replacement renewal request carries second policy information of the renewal product policy, and the second policy information includes product content and insurance information of the renewal product policy; The target insurance supply node sends the product replacement renewal request to the data storage node, so that the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information; If the product replacement renewal request meets the preset deduction switching condition, the target insurance supply node receives the renewal automatic deduction notification sent by the target transaction node matching the automatic deduction account information; The target insurance supply node sends a renewal success notification of the renewal product policy to the target insurance consumption node.

2. The insurance product renewal processing method according to claim 1, characterized in that: The insurance business network system includes data storage nodes and hash storage nodes, and the number of the data storage nodes is less than the number of the hash storage nodes; The target insurance supply node stores the first policy information of the initial product policy of the target insurance consumption node in the data storage node of the insurance business network system, including: The target insurance supply node generates a first data hash value of the first insurance policy information; The target insurance supply node broadcasts the first insurance policy information to the data storage node, so that the data storage node stores the first insurance policy information; The target insurance supply node broadcasts the first data hash value to the hash storage class node so that the hash storage class node stores the first data hash value.

3. The insurance product renewal processing method according to claim 2, characterized in that: The target insurance supply node sends the product replacement renewal request to the data storage node, so that the data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information, including: The target insurance supply node sends the product replacement renewal request to the data storage node; The data storage node generates a second data hash value based on the first insurance policy information stored in the data storage node in response to the product replacement renewal request; The data storage class node sends the second data hash value to the hash storage class node; When the second data hash value is consistent with the first data hash value stored in the hash storage class node, the hash storage class node sends data matching information of the first insurance policy information to the data storage class node; When the data storage node receives the data matching information sent by the hash storage node, the data storage node determines whether the product replacement renewal request meets the preset deduction switching conditions based on the first policy information and the second policy information.

4. The insurance product renewal processing method according to claim 1, characterized in that: The data storage node determines whether the product replacement renewal request meets the preset deduction switching condition based on the first policy information and the second policy information, including: The data storage node compares whether the product content of the initial product policy matches the product content of the renewal product policy; The data storage node compares whether the insurance information included in the first insurance policy information matches the insurance information included in the second insurance policy information; If the product content of the initial product policy matches the product content of the renewal product policy, and the insurance information contained in the first policy information matches the insurance information contained in the second policy information, the data storage node determines that the product replacement renewal request meets the preset deduction switching conditions.

5. The insurance product renewal processing method according to claim 1, characterized in that: If the product replacement renewal request meets the preset deduction switching condition, the target insurance supply node receives the renewal automatic deduction notification sent by the target transaction node matching the automatic deduction account information, including: If the product replacement renewal request meets the preset deduction switching condition, the data storage node sends the automatic deduction satisfaction information of the product replacement renewal request to the target transaction node matching the automatic deduction account information; When the target transaction node receives the automatic deduction satisfaction information, the target transaction node sends a renewal automatic deduction notification of the renewal product policy to the target insurance supply node; The target insurance supply node receives the renewal automatic deduction notification sent by the target transaction node.

6. The insurance product renewal processing method according to claim 5, characterized in that: The data storage node includes a plurality of nodes, and when the target transaction node receives the automatic deduction satisfaction information, the target transaction node sends a renewal automatic deduction notification of the renewal product policy to the target insurance supply node, including: When the target transaction node receives the automatic deduction satisfaction information, the target transaction node updates the node ratio to which the automatic deduction satisfaction information has been sent; When the sent node ratio is greater than or equal to a preset ratio threshold, the target transaction node sends a renewal automatic deduction notification for the renewal product policy to the target insurance supply node.

7. The insurance product renewal processing method according to claim 1, characterized in that: The method further comprises: When the operation state of the target insurance consumption node is abnormal, the data storage node is used to record the operation interruption information of the target insurance consumption node.

8. The insurance product renewal processing method according to claim 1, characterized in that: The method further comprises: When the renewal time point of the initial product policy is met, the target insurance supply node sends a renewal product recommendation list of the initial product policy to the target insurance consumption node, so that the target insurance consumption node selects the renewal insured product of the initial product policy from the renewal product recommendation list.

9. An insurance business network system, characterized in that: The insurance business network system includes an insurance supply node, an insurance consumption node and a transaction node; The insurance supply node is used to store the first policy information of the initial product policy of the insurance consumption node in the data storage node of the insurance business network system, wherein the first policy information includes the product content, insurance information and automatic deduction account information of the initial product policy; The insurance consumption node is used to send a product replacement renewal request to the insurance supply node, wherein the product replacement renewal request carries second policy information of the renewal product policy, and the second policy information includes product content and insurance information of the renewal product policy; The insurance supply node is further configured to, upon receiving a product replacement renewal request sent by the insurance consumption node, send the product replacement renewal request to the data storage node, so that the data storage node determines whether the product replacement renewal request meets a preset deduction switching condition based on the first policy information and the second policy information; The insurance supply node is further configured to receive a renewal automatic deduction notification sent by a transaction node matching the automatic deduction account information when the product replacement renewal request meets a preset deduction switching condition; The insurance supply node is also used to send a renewal success notification of the renewal product policy to the insurance consumption node.

10. A computer-readable storage medium, characterized in that: A computer program is stored thereon, and the computer program is loaded by a processor to execute the insurance product renewal processing method according to any one of claims 1 to 8.

Images