Bidding guarantee insurance claim payment method and device and electronic equipment

Abstract

The invention discloses a bidding guarantee insurance claim payment method and device and electronic equipment. Relates to the field of financial science and technology, and the method comprises the steps that a bidding guarantee insurance intelligent contract is constructed, the bidding guarantee insurance intelligent contract is deployed to a block chain, and the bidding guarantee insurance intelligent contract defines a rule for insurance compensation and compensation based on digital RMB; a claim request of a bid invitation party is received, and the claim request carries claim proof information; based on the claim proof information, detecting whether the claim request meets a predetermined condition through a bidding assurance insurance smart contract deployed on a block chain; and under the condition that the claim request meets a predetermined condition, transferring the claim amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the bid invitation party based on the bid assurance insurance smart contract. According to the invention, the technical problems of low compensation efficiency and low safety of the bidding guarantee insurance compensation method in the related technology are solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a bid guarantee insurance payment method, device and electronic equipment. Background Art

[0002] Bid bond insurance is a guarantee provided by insurance companies to tenderers to ensure that bidders fulfill their obligations during the bidding process. If bidders fail to fulfill these obligations, resulting in losses to the tenderer, the insurance company will pay compensation. Bid bond insurance replaces large cash deposits with smaller premiums, relieves corporate financial pressure, helps improve corporate capital utilization efficiency, and reduces the transaction costs of companies participating in bidding, which is conducive to releasing market vitality and optimizing the business environment. However, the current bid bond insurance application and compensation business has the following problems:

[0003] (1) The authenticity verification of the bid guarantee insurance in the related technology is time-consuming and labor-intensive. In the paper-based bid guarantee insurance application and payment in the related technology, a large amount of paper documents and manual review processes are usually involved. At the same time, the authenticity verification is time-consuming and labor-intensive. The beneficiary needs to contact the insurance institution directly by phone or email to confirm the authenticity of the insurance or needs to carefully check the relevant information on the insurance to ensure that there are no errors or inconsistencies. This is inefficient and prone to errors. (2) The payment process is cumbersome. The application, approval, opening, modification, and claim of the bid guarantee insurance in the related technology are inefficient due to complex operations, cumbersome processes, and long review time. At the same time, when a payment event occurs, it is necessary to rely on the traditional financial institution transfer process. This process is not only cumbersome, but also inefficient, affecting the liquidity of the insurance applicant. In summary, the payment efficiency and security of the bid guarantee insurance payment method in the related technology are low.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The embodiments of the present invention provide a bid guarantee insurance compensation method, device and electronic device to at least solve the technical problems of low compensation efficiency and low security existing in the bid guarantee insurance compensation method in the related art.

[0006] According to one aspect of an embodiment of the present invention, a bid guarantee insurance compensation method is provided, including: constructing a bid guarantee insurance smart contract, and deploying the bid guarantee insurance smart contract to a blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance compensation and recovery based on digital RMB; receiving a claim request from a tenderer, wherein the claim request carries claim proof information; based on the claim proof information, detecting whether the claim request meets predetermined conditions through the bid guarantee insurance smart contract deployed on the blockchain; if the claim request meets the predetermined conditions, transferring the compensation amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer based on the bid guarantee insurance smart contract.

[0007] According to another aspect of an embodiment of the present invention, a bid guarantee insurance compensation device is also provided, including: a contract construction module, used to construct a bid guarantee insurance smart contract, and deploy the bid guarantee insurance smart contract to the blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance compensation and recovery based on digital RMB; a request receiving module, used to receive a claim request from the tenderer, wherein the claim request carries claim proof information; a detection module, used to detect whether the claim request meets predetermined conditions through the bid guarantee insurance smart contract deployed on the blockchain based on the claim proof information; a transfer module, used to transfer the compensation amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer based on the bid guarantee insurance smart contract when the claim request meets the predetermined conditions.

[0008] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement any one of the bid guarantee insurance payment methods.

[0009] In an embodiment of the present invention, a bid guarantee insurance smart contract is constructed and deployed to a blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance compensation and recovery based on digital RMB; a claim request from the tenderer is received, wherein the claim request carries claim proof information; based on the claim proof information, the bid guarantee insurance smart contract deployed on the blockchain is used to detect whether the claim request meets predetermined conditions; when the claim request meets the predetermined conditions, based on the bid guarantee insurance smart contract, the compensation amount is transferred from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer, thereby achieving the purpose of automatically executing compensation through the bid guarantee insurance smart contract combined with the digital RMB wallet settlement method, thereby achieving the technical effect of improving the efficiency, security and transparency of the bid guarantee insurance compensation process, and further solving the technical problems of low compensation efficiency and low security existing in the bid guarantee insurance compensation method in the related technology. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0011] Figure 1 is a flow chart of a bid guarantee insurance compensation method according to an embodiment of the present invention;

[0012] Figure 2 It is an optional interactive flow chart for calculating bid insurance premium rates based on vertical federated learning according to an embodiment of the present invention;

[0013] Figure 3 is an optional electronic bidding guarantee insurance issuance and verification flow chart according to an embodiment of the present invention;

[0014] Figure 4 This is an optional flow chart for realizing automatic payment and recovery of electronic bidding guarantee insurance based on smart contracts according to an embodiment of the present invention;

[0015] Figure 5 It is a schematic diagram of a bid guarantee insurance compensation device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0016] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0017] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0018] First, to facilitate understanding of the embodiments of the present invention, some terms or nouns involved in the present invention are explained below:

[0019] Tweedie distribution is a continuous probability distribution, a special subclass of the exponential distribution family, which includes Poisson distribution, gamma distribution and normal distribution as its special cases. The characteristics of Tweedie distribution make it very effective in dealing with non-negative numerical data, especially data containing a large number of zero values, which is particularly important in the prediction of insurance claim frequency and amount. In generalized linear regression models, Tweedie distribution is usually used as the distribution assumption of the response variable.

[0020] Vertical federated learning technology is a machine learning framework used to handle situations where the data feature dimensions of the participants are not exactly the same in multi-party data collaboration scenarios. In traditional machine learning, data is usually processed in one place, but this can lead to serious data privacy and security issues. Federated learning was proposed to solve this problem, allowing multiple institutions to jointly train models without sharing the original data.

[0021] According to an embodiment of the present invention, a method embodiment of a bid guarantee insurance payment is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0022] This embodiment is applied to the scenario of bidding guarantee insurance compensation based on the blockchain network, and the entities involved include:

[0023] The insured is the bidder of the bidding project. It is the party that participates in the bidding activities, responds to the bidding project and participates in the bidding competition. The insured applies to the insurance institution for the issuance of bid guarantee insurance.

[0024] Insurance agency: that is, the insurance company. If the insured gives up the bid or fails to fulfill the commitments in the bidding documents for some reason, the insurance agency will pay a specific amount to the beneficiary and pursue compensation from the insured.

[0025] Beneficiary: the tenderer. In the bidding process, the beneficiary, in order to protect its own interests, requires the policyholder to provide bid bond insurance to guarantee the contract performance of the policyholder. In the bid bond insurance, if the policyholder (i.e. the tenderer) violates the relevant provisions of the bidding documents and causes the beneficiary to suffer losses, the insurance institution will compensate the beneficiary according to the provisions of the insurance contract.

[0026] Designated operating institution of the Digital RMB: This operating institution has built an open smart contract platform to manage the creation, review, configuration, signing and execution of contract templates.

[0027] Blockchain: An alliance chain composed of policyholders, insurance institutions, insurance beneficiaries, and designated digital RMB operating institutions. It is responsible for the management of digital identities. At the same time, smart contracts created by designated digital RMB operating institutions can be loaded on the blockchain.

[0028] Figure 1 is a flow chart of a bid guarantee insurance compensation method according to an embodiment of the present invention. Figure 1 As shown, the method comprises the following steps:

[0029] Step S102, constructing a bid guarantee insurance smart contract and deploying the bid guarantee insurance smart contract to the blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance payment and recovery based on digital RMB;

[0030] In step S102, the process of constructing a bid guarantee insurance smart contract and deploying it to the blockchain is intended to ensure the efficiency, transparency and security of insurance claims and recovery through digital technology. The rules of the smart contract are designed as automatically executed conditional statements, which are automatically triggered according to preset logical conditions based on the payment and recovery process of the digital RMB wallet, thereby reducing human intervention and enhancing the automation level and trust of the entire bid guarantee insurance service.

[0031] In an optional embodiment, constructing a bid guarantee insurance smart contract includes: determining an insurance premium based on a bid guarantee insurance rate, wherein the bid guarantee insurance rate is based on the bidder's credit status data and project risk data and is obtained by using an insurance rate prediction model; based on the insurance premium, issuing an electronic bid guarantee insurance corresponding to the bidder; verifying the electronic bid guarantee insurance to obtain a verification result; and constructing a bid guarantee insurance smart contract when the verification result indicates that the electronic bid guarantee insurance verification has passed.

[0032] Optionally, based on the credit status data and project risk data of the bidder, the bid guarantee insurance premium rate is determined by model prediction. The insurance premium rate prediction model pre-learns the correlation between the bidder's credit status data, project risk data and the bid guarantee insurance premium rate. The insurance premium is further calculated based on the obtained bid guarantee insurance premium rate. After the insured pays the insurance premium, the insurance institution will issue an electronic bid guarantee insurance. After the electronic bid guarantee insurance is issued, the electronic bid guarantee insurance is verified to determine whether the electronic bid guarantee insurance has been tampered with. When it is determined that the electronic bid guarantee insurance verification has passed, it is determined that the electronic bid guarantee insurance has not been tampered with. At this time, the construction of the bid guarantee insurance smart contract begins, thereby ensuring the authenticity and security of the electronic bid guarantee insurance and the corresponding bid guarantee insurance smart contract construction.

[0033] Optionally, the insurance premium may be obtained based on the obtained bid guarantee insurance premium rate in the following manner.

[0034]

[0035] In an optional embodiment, before determining the insurance premium based on the bid guarantee insurance rate, the method also includes: performing longitudinal federated learning based on the credit status data and project risk data corresponding to multiple bidders held by the bidding platform, and the historical claim records and historical insurance rates held by the insurance institution, to obtain an insurance rate prediction model.

[0036] Optionally, through vertical federated learning technology, the bidding platform and the insurance agency can train the model without directly exchanging specific data, thereby protecting the data privacy of each participant. This means that the credit status data, project risk data of the bidder, and the historical claims records and historical insurance premium rate data of the insurance agency can be processed in their respective data domains without being directly exposed to the other party, thereby avoiding the risk of data leakage and improving data security. Vertical federated learning can utilize the complementarity of data from different sources (i.e., the bidding platform and the insurance agency) to evaluate the credit risk and project risk of the bidder from a more comprehensive perspective, thereby improving the accuracy and stability of the insurance premium rate prediction model. This data fusion method enables the model to learn more about risk assessment from historical claims records and insurance premium rates, thereby improving the scientificity and fairness of insurance premium pricing. The insurance premium rate prediction model built based on vertical federated learning can also realize the standardization and automation of insurance premium rate calculation, reduce the influence of human factors, and avoid rate deviations caused by subjective judgment. At the same time, by predicting rates through models, it is possible to quickly respond to market dynamics and individual differences and provide personalized insurance products and services.

[0037] In an optional embodiment, vertical federated learning is performed based on the credit status data and project risk data corresponding to multiple bidders held by the bidding platform, as well as the historical claim records and historical insurance premiums held by insurance institutions to obtain an insurance premium prediction model, including: in the process of vertical federated learning, based on the credit status data and project risk data corresponding to multiple bidders held by the bidding platform, as well as the historical claim records and historical insurance premiums held by insurance institutions, the generalized linear regression method of Tweedie distribution is used to calculate the model loss; based on the model loss, the bidding platform gradient and the insurance institution gradient are calculated using homomorphic encryption technology; based on the bidding platform gradient and the insurance institution gradient, the model parameters respectively held by the bidding platform and the insurance institution are gradient updated; the above operations are repeated until a predetermined termination condition is reached, and the model parameters respectively held by the bidding platform and the insurance institution obtained when the predetermined termination condition is reached are used to construct an insurance premium prediction model.

[0038] Optionally, in vertical federated learning, the calculation of the loss function is the core part of model training. This embodiment uses the generalized linear regression method of Tweedie distribution to calculate the model loss. Tweedie distribution is suitable for processing data containing a large number of zero values ​​and non-negative values, which is very applicable in the bid guarantee insurance scenario because credit status data, project risk data, historical claims records and insurance premiums often present a mixed distribution of zero and positive values. At the beginning of the training process, the bidding platform and the insurance agency each initialize the model parameters and process their own data separately. The bidding platform calculates the eigenvalues ​​based on the credit status data and project risk data it holds, and uses Tweedie distribution to calculate the model's losses. The insurance agency also uses Tweedie distribution to calculate the model loss based on the historical claims records and historical insurance premium data it holds. These calculations are performed only within their respective data domains, thereby ensuring data security.

[0039] After the model loss is calculated, the next step is gradient calculation, which is a key step in the model training process. Using homomorphic encryption technology, the bidding platform and the insurance agency can securely exchange gradient information without leaking specific data. Homomorphic encryption can ensure that specific mathematical operations, such as addition and multiplication, can be performed in an encrypted state, while the encryption state of the encrypted data can remain unchanged. Specifically, the bidding agency, as a collaborating party, can create an encryption key pair and send the public key to the bidding platform and the insurance agency. Subsequently, the bidding platform and the insurance agency respectively use homomorphic encryption technology to calculate the gradient of their respective data for the model loss, and exchange gradients in an encrypted state, thereby jointly calculating the overall gradient.

[0040] After obtaining the joint gradient, the bidding platform and the insurance institution use these gradients to update their respective model parameters. The update process follows the gradient descent algorithm, which minimizes the loss function by continuously adjusting the weights. Here, both parties simultaneously update the parameters of their respective models until the predetermined termination conditions are met (such as model convergence, that is, reaching a stable state, or reaching a pre-set number of iterations). The above process utilizes the complementarity of data. Even if the data is out of the domain, the model parameters can be optimized through joint gradient calculation, thereby improving the prediction ability and generalization performance of the overall model.

[0041] The model training process requires repeated execution of the steps of loss calculation, gradient exchange, and parameter update until the predetermined termination conditions are met. These conditions may include, but are not limited to, the model performance reaches the expected requirements, the loss function reaches the minimum value, the number of training iterations reaches the preset value, etc. Once the termination conditions are met, both parties will stop training and use the final model parameters to build an insurance rate prediction model. Based on the model parameters, the bidding platform and insurance institutions can predict the credit status data and project risk data of the new bidders, and thus calculate the corresponding insurance rates. The insurance rates predicted by this model will be used as the basis for calculating the insurance premium, providing bidders with a personalized insurance rate based on their risk status.

[0042] In the above embodiments, through vertical federated learning and Tweedie distribution generalized linear regression, the bidding platform and insurance institutions can obtain the insurance premium rate prediction model through joint model training under the premise of protecting their respective data privacy. This process uses homomorphic encryption technology for gradient calculation and exchange, which can ensure the security and efficiency of model training, and ultimately realize the automation, fairness and precision calculation of insurance premiums based on multi-party data.

[0043] It should be noted that when constructing electronic bidding guarantee insurance, it is necessary to consider the determination of insurance premiums, which in turn affects the determination of insurance premiums. The basis for calculating the bidding guarantee insurance premium is the estimation of the possibility of future losses. This estimation is not blind, but based on past data and scientific statistical methods. The current insurance premium is determined by multiplying the base rate by the project risk adjustment coefficient. The risk adjustment coefficient in related technologies relies too much on the subjective judgment of professional underwriters. In addition, the data on the credit status, project risks, and historical claims records of bidders are currently scattered on the bidding platform and insurance companies. How to automatically calculate and predict insurance premiums based on the historical data of related projects without leaving the warehouse has become an urgent problem to be solved.

[0044] In response to the above problems, this embodiment is based on vertical federated learning technology, which combines the tenderer's credit status data and project risk data of the bidding platform with the historical claims data and historical rate data of the insurance agency. Without leaving the original data domain, it jointly trains historical data such as bidding projects and bidding insurance payment data to predict the bid guarantee insurance rate of the current project. At the same time, based on the Tweedie distribution, it can simulate the frequency and severity of claims at the same time, which can more accurately assess and price risks, and effectively solve the problem of excessive reliance on professional underwriters and excessive reliance on subjective judgment in determining risk adjustment coefficients in related technologies.

[0045] As an optional embodiment, vertical federated learning technology is used, and based on homomorphic encryption technology, historical data such as bidder credit status data, project risk data, insurance company historical claim record data, and bid guarantee insurance premium rate data are not leaked. The historical data is used to predict the bid guarantee insurance premium rate, thereby solving the problem of professional underwriters relying on subjective judgment to determine the premium rate. Figure 2 is an optional interactive flow chart of calculating the bid insurance premium rate based on vertical federated learning according to an embodiment of the present invention, such as Figure 2 As shown, the interaction process specifically includes:

[0046] S21, model construction, including:

[0047] The vertical federated learning model is jointly trained by two participants, the bidding platform (denoted as A) and the insurance agency (denoted as B), and a collaborating party, the bidding agency (denoted as C), to train the machine learning model. The sample size of each participant is n.

[0048] The bidding platform has n sets of credit status data and project risk data of the bidders as n specific samples, each of which has a corresponding eigenvalue X a10 =(x a1 ,x a2 ,…,x a10 ), X a10 ∈D A , where (x a1 ,x a2 ,…,x a10 ) represent 10 indicators, namely, registered capital, historical bidding times, historical bidding amount, number of lawsuits or complaints, asset-liability ratio, net profit margin, interest coverage ratio, current ratio, quick ratio, cash flow ratio, etc. A is the data set of the bidding platform; the insurance agency has n samples, each sample has a corresponding eigenvalue X b2 =(x b1 ,x b2 ) and label Y b , where (x b1 ,x b2 ) represent the number of historical claims and the amount of historical claims respectively, and the label Y bi is the bid guarantee insurance rate, (X b2 ,Y bi )∈D B , D B is the data set of insurance institutions, D A and D B There are some overlapping samples D C , the bidding platform and the insurance agency know the overlapping sample IDs in advance, dataset D Cis the number of overlapping sample IDs.

[0049] Both the bidding platform and the insurance agency have their own machine learning servers S A and S B , which are controlled by the bidding platform and the insurance agency respectively. Since the insurance premium rate is calculated jointly, the server does not collude to attack. The server S A and S B It is only responsible for the calculation of machine learning models, such as eigenvalue calculation, gradient calculation, and loss function calculation.

[0050] S22, system initialization, specifically including:

[0051] The bidding agency uses the Paillier encryption algorithm to create a public-private key pair<pk,sk> And send the public key pk to the bidding platform and insurance agency.

[0052] S23, calculate the model training loss function, specifically including:

[0053] The bidding platform first initializes the model weight W A Then, the bidding platform inputs each sample i into the model composed of initialized weights and variables to calculate the eigenvalue The model of the bidding platform inputs feature X a10 and initialize the model weights W A The output value obtained after processing is based on the server S A Calculate the loss function L of the bidding platform A , α is a regularization parameter used to control the complexity of the model and prevent overfitting. It is multiplied by the weight matrix W A The coefficient of the sum of squares; ‖W A ‖ 2 is the L2 norm sum of the squares of the weight matrix, which is the L2 regularization term used to penalize excessively large weight values.

[0054] Then use the public key pk and L A Encrypted and [[L A ]],Right now Enc(L A ,pk)→[[L A ]], and and [[L A ]]Sent to the insurance agency.

[0055] The insurance agency first initializes the model weight W B Then, the insurance agency inputs each sample i into the model composed of initialized weights and variables to calculate the eigenvalue The model for the insurance agency has input features X b2 And initialize the weight model W B The output value obtained after processing is used by the insurance company based on the server S B Calculate the insurance institution loss function L B , α is a regularization parameter used to control the complexity of the model and prevent overfitting. It is multiplied by the weight matrix W B The coefficient of the sum of squares; ‖W B ‖ 2 is the L2 norm square sum of the weight matrix, which is the L2 regularization term used to punish excessive weight values. Encrypted and [[L B ]],Right now Enc(L B ,pk)→[[L B ]]. In order to calculate the loss function L of the model bidding platform and insurance institutions sharing data AB In this embodiment, a generalized linear regression model based on Tweedie distribution is used to calculate the loss function. The insurance institution calculates L AB The formula is as follows:

[0056]

[0057] Where, L AB The loss function for sharing data between the bidding platform and the insurance agency is used to measure the difference between the model prediction value and the actual value, which is the goal to be minimized in model training; D c is the number of overlapping sample IDs; y bi is the label value of sample i, i.e., the historical bid guarantee insurance premium rate; p is the power parameter in the Tweedie distribution, which determines the subclass of the Tweedie distribution. Different p values ​​correspond to different distributions, for example, p = 1 corresponds to the Poisson distribution, p = 2 corresponds to the Gamma distribution, etc.; W A and W B They are the weight matrices of the models of the bidding platform and insurance agency respectively.

[0058] Insurance institutions receive [[L A ]] and calculate the overall loss in the dense state. The overall loss function is [[L]]=[[L A ]]+[[L B ]]+[[L AB ]], the insurance institution sends the encrypted overall loss function [[L]] to the bidding agency.

[0059] S24, calculating the model training gradient, specifically including:

[0060] Insurance institutions calculate gradient d i , d i The calculation formula is as follows:

[0061]

[0062] Then, the insurance agency will use the encrypted gradient [[d i ]]Sent to the bidding platform.

[0063] The bidding platform initializes the mask random value R A , R A It is randomly generated and used to add noise in the gradient calculation process so that other participants cannot infer the original data from the gradient. The bidding platform calculates the gradient of the loss function with respect to the bidding platform. Simultaneous calculation And send it to the bidding agency.

[0064] Insurance agency initializes mask random value R B , R B It is randomly generated and used to add noise in the gradient calculation process so that other participants cannot infer the original data from the gradient and calculate the gradient of the loss function with respect to the insurance institution. Simultaneous calculation And send it to the bidding agency.

[0065] The bidding agency uses the private key sk to decrypt the overall loss function [[L]], Dec([[L]],sk)→L, Decrypt, Send to the bidding platform Send to insurance agency.

[0066] S25, model parameter update, specifically including:

[0067] The bidding platform and insurance institutions received and After that, remove the mask random value R A and R B , and then update the weights according to the gradient descent algorithm: Where η is the learning rate, and steps S23 and S24 are repeated until the model converges or reaches a predetermined number of iterations, thereby obtaining the optimal parameter W A and W B According to the optimal parameter W A and W B , by inputting the parameters of the new bid guarantee insurance, we can get the bid guarantee insurance rate r.

[0068] In an optional embodiment, based on the insurance premium, an electronic bidding guarantee insurance corresponding to the bidder is issued, including: obtaining the insurance application information submitted by the bidder to the insurance institution; extracting the insurance parameters in the insurance application information; generating the electronic bidding guarantee insurance based on the insurance parameters and the insurance premium.

[0069] Optionally, the insurance institution obtains insurance application information from the insured, which may include but is not limited to the details of the bidding project, the identity information of the insured, insurance requirements, etc. By extracting key insurance parameters from the insurance application information, such as the bidding project ID, the insured information, the insurance premium, the insurance amount, the insurance period, etc., the insurance institution can accurately understand the specific insurance needs of the insured. After obtaining the insurance application information, the insurance institution combines the calculated insurance premium with the extracted insurance parameters as the basis for generating the electronic bidding guarantee insurance. This process can ensure that the terms of the bidding guarantee insurance match the determination of the insurance premium and reflect the risk status and insurance needs of the insured. Based on the insurance parameters and the insurance premium, the insurance institution generates the electronic bidding guarantee insurance using a standard template. The electronic bidding guarantee insurance may include but is not limited to the detailed terms of the policy, such as the insurance amount, the insurance period, the scope of insurance liability, the compensation conditions, etc., and ensure that this information is consistent with the insurance application information and the output of the insurance premium prediction model. The generated electronic bidding guarantee insurance document follows a unified standard format to facilitate subsequent verification and processing. The above electronic bidding guarantees the standardization and automation of the insurance generation process, which can improve the transparency and efficiency of the insurance business. The insured can clearly understand the terms and premiums of the insurance they purchase, and the insurance institution can quickly and accurately generate the insurance policy, reducing the time of manual operation and communication, and speeding up the insurance process.

[0070] In an optional embodiment, the electronic bid guarantee insurance is verified to obtain a verification result, including: obtaining a first signed bid guarantee insurance stored on the blockchain, and a first hash value corresponding to the first signed bid guarantee insurance, wherein the first signed bid guarantee insurance is obtained by the insurance institution using the corresponding private key to digitally sign the electronic bid guarantee insurance and store it in the blockchain, and the first hash value is obtained by the insurance institution performing hash calculation on the first signed bid guarantee insurance and storing it in the blockchain; obtaining a second hash value stored on the blockchain, wherein the second hash value is obtained by the tenderer using the corresponding private key to decrypt the first signed bid guarantee insurance sent by the insurance institution to obtain the decrypted bid guarantee insurance, performing hash calculation on the decrypted bid guarantee insurance and storing it in the blockchain; detecting whether the first hash value matches the second hash value; if the first hash value matches the second hash value, determining the verification result as: the electronic bid guarantee insurance verification is passed; if the first hash value does not match the second hash value, determining the verification result as: the electronic bid guarantee insurance verification is failed.

[0071] Optionally, after the generation and signing stage of the electronic bidding guarantee insurance, the insurance institution uses its private key to digitally sign the electronic bidding guarantee insurance to generate a signed document, namely the first signature bidding guarantee insurance. Subsequently, the insurance institution calculates the hash value of the signed document, which is called the first hash value. These two data (the first signature bidding guarantee insurance and the first hash value) are stored on the blockchain for subsequent verification. The decentralized and tamper-proof characteristics of the blockchain ensure the security and reliability of the stored information. When the beneficiary (tenderer) receives the first signature bidding guarantee insurance sent by the insurance institution, it uses its private key to decrypt the document and obtains the decrypted bidding guarantee insurance. Next, the beneficiary recalculates the hash value based on the decrypted document, which is called the second hash value. This hash value is also stored on the blockchain for comparison with the first hash value. The smart contract or verification node on the blockchain automatically performs the hash value comparison. Specifically, by reading the first hash value and the second hash value stored on the blockchain, the smart contract checks whether the two hash values ​​are completely consistent. The matching of hash values ​​indicates that the first signed bid guarantee insurance stored on the blockchain and the second bid guarantee insurance after decryption and recalculation of the hash are the signed and decrypted versions of the same original document, thereby proving that the document has not been tampered with. If the first hash value matches the second hash value, the smart contract will automatically determine that the verification result is that the electronic bid guarantee insurance verification has passed, which means that the authenticity of the electronic bid guarantee insurance can be confirmed and can be accepted as a valid insurance certificate. On the contrary, if there is no match, the verification result is that the electronic bid guarantee insurance verification has failed, indicating that the document may have been modified or there is some form of unauthorized abnormal access, and the electronic bid guarantee insurance should be further investigated or rejected.

[0072] Through the above methods, the transparency and immutability of blockchain are utilized, combined with digital signature and hash value verification, to ensure the authenticity and integrity of electronic bidding guarantee insurance. This verification mechanism can not only improve the efficiency of insurance business, but also strengthen the trust of all participants and reduce the risk of operational errors. It is an important guarantee for the digitalization, automation and security of the bidding guarantee insurance process.

[0073] It should be noted that the opening and verification of bid guarantee insurance based on blockchain technology can be achieved by loading a smart contract on the blockchain to determine whether the hash value of the signed electronic bid guarantee insurance is consistent with the hash value of the signed electronic bid guarantee insurance received by the beneficiary. This can quickly verify the validity of the insurance, speed up the compensation process, and reduce the time and cost incurred in verifying the authenticity of the bid guarantee insurance.

[0074] As an optional embodiment, in order to improve the transparency and efficiency of the bid bond insurance payment process, based on digital identity authentication, the bid bond insurance beneficiary can ensure that the compensation request received is initiated by the entity that is entitled to apply for compensation, and that the basis for the claim and related supporting materials are authentic and reliable. Figure 3 is an optional electronic bidding guarantee insurance issuance and verification flow chart according to an embodiment of the present invention, such as Figure 3 As shown in the figure, the process specifically includes:

[0075] Step S31: Identity registration. In this stage, the insured, insurance institution, and beneficiary will create digital identities respectively. Specifically, it includes:

[0076] First, the insured uses the asymmetric encryption algorithm RSA to generate a pair of keys, namely the public key and private key The policyholder then hashes the public key using the Secure Hash Algorithm 256-bit version (SHA-256) hash function Hash to get the insured person's identity BID a Next, the policyholder requests to register his / her identity BID in the blockchain network a and its public key The identity of the policyholder needs to be verified and confirmed by the certificate authority (CA) of the blockchain network. Create a signature to sign the transaction and then transmit the signature to the blockchain network Next, the verification node of the blockchain network will verify the insured person’s BID a Has the identity been registered before? If verified and confirmed by the blockchain network, the policyholder’s certificate It will be stored in the blockchain network.

[0077] Secondly, the insurance institution uses the RSA algorithm to generate a pair of keys, namely the public key and private key The insurance agency then uses the SHA-256 hash function to hash the public key Hash to get the insurance agency identity BID i Next, the insurance agency requests to register its identity BID in the blockchain network i and its public key The identity of the insurance institution needs to be verified and confirmed by the certificate authority (CA) of the blockchain network. Create a signature to sign the transaction and then transmit the signature to the blockchain network Next, the blockchain network verification node will verify the insured person's BID i Has the identity been registered before? If verified and confirmed by the blockchain network, the insurance agency’s certificate It will be stored in the blockchain network.

[0078] Finally, the beneficiary uses the RSA algorithm to generate a pair of keys, namely the public key and private key The beneficiary then uses the SHA-256 hash function to hash the public key Hash to get the beneficiary identity BID b Next, the beneficiary requests to register its identity BID in the blockchain network b and its public key The identity of the beneficiary needs to be verified and confirmed by the blockchain network’s certificate authority (CA). The beneficiary then authenticates the beneficiary by using his or her private key. Create a signature to sign the transaction and then transmit the signature to the blockchain network Next, the verification node of the blockchain network will verify the applicant's BID b Has the identity been registered before? If verified and confirmed by the blockchain network, the beneficiary’s certificate It will be stored in the blockchain network.

[0079] Step S32: the insurance institution verifies the identity of the policyholder, which specifically includes:

[0080] First, the insurance agency submits its identity BID to the blockchain network i (already recorded in the blockchain network), the insured person's identity BID a Next, the insurance agency sends a signed transaction (blockchain smart contract) to the network. Once the smart contract in the blockchain network receives the signed transaction from the insurance institution, the blockchain smart contract executes the lookup function Check whether the insurance institution and the insured person’s identity exist in the network. If the identity exists, the insurance company will send a verification transaction request to the insured person. Next, the policyholder uses his private key Check encrypted transactions and send their verification transactions to insurance institutions Once the insurance agency receives the encrypted transaction from the policyholder, the policyholder will also perform the same verification, and a mutual verification relationship is established between the insurance agency and the policyholder.

[0081] Step S33, electronic bidding guarantee insurance signature and encryption, specifically includes:

[0082] The insured first sends the relevant certification materials, insurance application form or insurance contract and other insurance application materials to the insurance institution. The insurance institution determines the insurance premium based on the insurance premium rate calculated by vertical federated learning technology, the bid deposit amount stipulated in the project bidding documents, and the number of insurance months, and notifies the insured.

[0083] The insured will receive the digital RMB from the insured’s public wallet w A Digital RMB wallet for insurance institutions I Make a digital RMB transfer to pay for the bid guarantee insurance issuance premium. After the guarantor receives the application materials and the handling fee in the form of digital RMB, the insurance institution will open an electronic bid guarantee insurance in the digital form of a PDF file, which will include the bid guarantee insurance title, issuance date, policyholder information, insured information, insurance amount, validity period, insurance terms, insurance liability, payment terms, dispute resolution, additional terms, insurance premium and other information.

[0084] Insurance institutions based on private keys The electronic bidding guarantee is signed using the RSA algorithm, which can ensure the confidentiality and integrity of the electronic bidding guarantee as well as the authenticity and non-repudiation of the identity. The execution process is as follows:

[0085]

[0086] Next, the insurance agency uses the SHA-256 hash function to calculate the hash value H of the signed electronic bidding guarantee insurance. 256 (File), Electronic Bidding Guarantee Insurance Hash Value H 256 (File) is stored in the blockchain smart contract, and the signed electronic bidding guarantee insurance is encapsulated in the transaction and stored in the blockchain in a distributed manner, ensuring that the content of the electronic bidding guarantee insurance is tamper-proof for beneficiary verification.

[0087] Insurance institutions based on the beneficiary's public key Use the RSA algorithm to encrypt the signed electronic bidding guarantee. The encryption execution process is as follows:

[0088]

[0089] Among them, EJ represents the encrypted and signed electronic bidding guarantee insurance. The insurance agency sends the encrypted and signed electronic bidding guarantee insurance to the insured, and the insured will receive the encrypted and signed electronic bidding guarantee insurance in the JSON file format.

[0090] Step S34, the policyholder verifies the identity of the beneficiary, which specifically includes:

[0091] First, the insured submits his identity BID to the blockchain network a (recorded in the blockchain network), beneficiary identity BID b Next, the policyholder sends a signed transaction to the blockchain network (blockchain smart contract) Once the smart contract in the blockchain network receives the signed transaction from the policyholder, the blockchain smart contract executes the lookup function Check whether the insured and beneficiary identities exist in the network. If the identities exist, the insured will send a verification transaction request to the beneficiary. Next, the beneficiary uses his private key Check the encrypted transaction and send its verification transaction to the guarantor Once the insured receives the encrypted transaction from the beneficiary, the beneficiary will also perform the same verification, and a mutual verification relationship is established between the insured and the beneficiary.

[0092] Step S35, electronic bidding guarantee insurance decryption and verification, specifically includes:

[0093] The electronic bidding guarantee insurance in the encrypted and signed JSON file format is sent to the beneficiary. After receiving the electronic bidding guarantee insurance in the encrypted and signed JSON file format, the beneficiary uses the beneficiary's private key to Use the RSA algorithm to decrypt the electronic bidding guarantee insurance in the encrypted and signed JSON file format. The decryption execution process is as follows:

[0094]

[0095] Among them, File is the decrypted signed electronic bidding guarantee insurance. In order to verify the authenticity of the electronic bidding guarantee insurance in the signed JSON file format received from the insured, the beneficiary sends the electronic bidding guarantee insurance in the signed JSON file format to the blockchain smart contract for verification.

[0096] The validity of the electronic bidding guarantee insurance is verified in the blockchain smart contract. The blockchain smart contract automatically uses the SHA-256 hash function to calculate the hash value of the signed electronic bidding guarantee insurance file, i.e. Hash 256 (File), then the blockchain smart contract is responsible for accessing the world state of the distributed ledger through a read function, and reading the electronic bidding guarantee insurance hash value H stored on the blockchain when the insurance agency opens the electronic bidding guarantee insurance 256 (File), the blockchain smart contract will calculate the hash value Hash 256 (File) and the hash value H stored on the blockchain 256 (File) is compared, and if the two hash values ​​match, the blockchain smart contract sends an electronic bid guaranteeing that the insurance is valid to the beneficiary.

[0097] In an optional embodiment, the electronic bid guarantee insurance is verified to obtain a verification result, including: obtaining smart contract configuration parameters, wherein the smart contract configuration parameters include at least: compensation amount, participant information, insurance validity period, and recovery clause; determining the smart contract template; and constructing a bid guarantee insurance smart contract based on the smart contract configuration parameters and the smart contract template.

[0098] Optionally, after the electronic bidding guarantee insurance verification is passed, that is, the validity and authenticity of the insurance are confirmed, the next key step is to configure the parameters of the smart contract. This configuration parameter should at least include key information such as the amount of compensation, information of the participants (including the insured, insurance institution and beneficiary), the validity period of the insurance and the terms of recourse. Among them, the information of the participants includes the digital RMB wallet addresses of the insurance institution and the tenderer, as well as possible third-party witness or arbitrator information (if applicable). The validity period of the insurance is used to ensure that the smart contract executes the compensation within the validity period of the insurance. The terms of recourse are used to define how the insurance institution recovers from the insured after the compensation, including the amount of recovery, timing, etc. These parameters are the basis for the smart contract to automatically execute the compensation and recovery logic, which can ensure that the contract terms match the specific content of the bidding guarantee insurance contract and can accurately execute the preset business rules. The designated operating institution of the digital RMB can provide a smart contract platform containing a variety of smart contract templates for different business scenarios. In this embodiment, the "Bidding Guarantee Insurance Compensation Smart Contract" template is selected according to the business type. The templates were chosen based on a standardized contract framework that can quickly adapt to the specific needs of bid bond insurance payments and recoveries while ensuring the security and compliance of the contract.

[0099] Once the smart contract template and configuration parameters are determined, the next step is to build the specific bid bond insurance smart contract. The construction process may include but is not limited to:

[0100] Parameter setting: The insured enters the smart contract configuration parameters into the template based on the preset business attributes (such as compensation amount, beneficiary digital RMB wallet number, insured wallet number, insurance expiration date, etc.). This is equivalent to "programming" the smart contract, instructing it how to perform compensation and recovery operations when specific conditions are met.

[0101] Contract signing: The smart contract is sent to all relevant parties (beneficiaries, insurance institutions and policyholders) for signature. Each participant uses his or her own private key to digitally sign the contract to prove their approval and agreement to the contents of the contract. The signed smart contract and the public keys of its participants are sent back to the designated digital RMB operating institution for public key verification and contract effectiveness.

[0102] Contract storage and activation: After the designated digital RMB operating agency verifies the signatures of all parties involved, the smart contract takes effect and is loaded onto the blockchain and stored as part of the distributed ledger. The smart contract is activated on the blockchain and is ready to execute compensation and recovery operations according to the preset trigger conditions.

[0103] The above process can not only automate the bidding guarantee insurance payment and recovery process, but also ensure the transparency, immutability and security of all transactions through blockchain technology. The setting of smart contracts can ensure that the payment and recovery follow the preset rules, reduce human intervention and operational risks, and greatly shorten the processing time, improving the efficiency of the entire business process.

[0104] Optionally, smart contract configuration parameters can be extracted from the electronic bidding guarantee insurance.

[0105] Step S104, receiving a claim request from the tenderer, wherein the claim request carries claim certification information;

[0106] In step S104, the claim proof information is a key document used by the tenderer to prove the rationality of the claim. The claim request of the tenderer (i.e. the beneficiary) can be sent to the blockchain after verification by the insurance agency. The claim request carries the claim proof information, which is used as a basis for subsequent judgment on whether the claim conditions are met.

[0107] Optionally, during the validity period of the insurance, if the insured (bidder) fails to fulfill its obligations in the bidding process, resulting in losses to the tenderer, the tenderer has the right to initiate a claim against the insurance institution in accordance with the terms of the tender guarantee insurance contract. The initiation of the claim request can first be initiated by the tenderer creating a written claim notice in the form of a PDF file, which can include the claim amount and relevant supporting materials. These supporting materials serve as claim proof information to prove the rationality and necessity of the claim. The electronic form of the claim notice is digitally signed by the tenderer using its private key to ensure the authenticity and integrity of the document and prevent tampering during transmission. This step is part of the digital identity authentication based on the blockchain network, ensuring that the claim request is initiated by the authorized beneficiary. The signed claim notice is sent to the blockchain network together with the supporting materials, and a copy is sent to the insurance institution. After receiving the claim request, the insurance institution will verify the compliance of the claim request based on the terms of the previously signed smart contract. The insurance institution needs to review the content of the claim notice and all supporting materials to confirm that the claim event has indeed occurred and meets the predetermined conditions defined in the smart contract, such as within the validity period of the insurance and the claim amount is within the insurance limit.

[0108] Step S106, based on the claim proof information, detecting whether the claim request meets the predetermined conditions through the bid guarantee insurance smart contract deployed on the blockchain;

[0109] In step S106, once the insurance institution receives the claim request, it will use the verification logic in the bid guarantee insurance smart contract to check whether the claim proof information meets the compensation conditions. The smart contract will automatically execute the preset logic, such as checking whether the claim amount exceeds the insurance limit, whether the loss occurs within the insurance validity period, etc. If the claim request meets the predetermined conditions defined in the smart contract, the smart contract will automatically execute the compensation process without manual intervention, that is, automatically transfer the corresponding compensation amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer.

[0110] In the above method, based on the bid bond insurance smart contract and automatically executing the bid bond insurance payment operation according to preset conditions, the smart contract can automatically check the integrity and compliance of the payment process, reduce errors in manual review and payment, and improve the automation level of bid bond insurance payment.

[0111] Optionally, it is possible to detect whether the identity information of the tendering party and the insurance institution insured by the bidder is stored in the blockchain; when it is detected that the identity information of the bidder and the insurance institution is stored in the blockchain, the operation of step S106 is executed, that is, an operation is executed based on the claim proof information to detect whether the claim request meets the predetermined conditions through the bid guarantee insurance smart contract.

[0112] Step S108: When the claim request meets the predetermined conditions, the compensation amount will be transferred from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer based on the bid guarantee insurance smart contract.

[0113] In step S108, taking into account the characteristics of digital RMB supporting point-to-point real-time transactions and zero transfer fees, there is no need to go through multiple intermediate links. During the process of bid guarantee insurance claims, it can be completed directly through digital RMB wallet transfers, so as to reduce the transaction costs and transaction time in the bid guarantee insurance payment business and realize real-time payment of bid guarantee insurance.

[0114] Optionally, the innovative use of digital RMB smart contracts for compensation in the bid guarantee insurance compensation process can be achieved through preset bid guarantee insurance compensation parameter rules. If the smart contract obtains a claim notice signed by the insurance institution and uploaded to the blockchain and is within the validity period of the insurance, the smart contract will be triggered to automatically transfer funds from the insurance institution’s digital RMB public wallet to the beneficiary’s digital RMB public wallet, reducing the risk of manual operation errors and improving the efficiency and accuracy of bid guarantee insurance compensation.

[0115] Optionally, before executing step S108, it is necessary to prepare the digital RMB payment environment. Specifically, the bid guarantee insurance policyholder (i.e., the bidder), the insurance institution, and the bid guarantee insurance beneficiary (i.e., the tenderer) shall submit relevant certification materials at the counter of the digital RMB designated operating institution to open a digital RMB public wallet account, thereby obtaining the bid guarantee insurance policyholder's public digital RMB wallet w A , Insurance institutions' public digital RMB wallet I , Bid guarantee insurance beneficiary public digital RMB wallet w B .

[0116] In an optional embodiment, when the claim request meets predetermined conditions, based on the bid guarantee insurance smart contract, after the compensation amount is transferred from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer, the method also includes: receiving a request for recovery from the insurance institution, wherein the request for recovery carries the amount for recovery; transferring the amount for recovery from the digital RMB wallet of the bidder to the digital RMB wallet of the insurance institution.

[0117] Optionally, in the insurance payment process, if the claim submitted by the beneficiary (tenderer) meets the predetermined conditions (such as insurance liability scope, time limit, etc.), the insurance institution will transfer the compensation amount from its digital RMB wallet to the digital RMB wallet of the beneficiary (tenderer) in accordance with the provisions of the bid guarantee insurance contract. This operation is automatically executed through smart contracts without manual intervention. After that, the insurance institution will send a recovery request to the bidder (insured), requesting the bidder to pay the corresponding recovery amount to compensate for the losses caused by the payment to the beneficiary. After receiving the recovery request, the bidder (insured) will use the digital RMB wallet to pay according to the recovery amount in the request. This process can also be automated through the bid guarantee insurance smart contract. The bid guarantee insurance smart contract will receive the insurance institution's recovery request information, including the recovery amount and the digital RMB wallet accounts of both parties, and automatically execute the operation of transferring funds from the bidder's digital RMB wallet to the insurance institution's digital RMB wallet. The above operations can ensure the efficiency and accuracy of the recovery process, while also reducing human errors and security risks.

[0118] Optionally, after the insurance claim is paid, the recovery process can be automatically executed through the bidding guarantee insurance smart contract. The existence of smart contracts enables the payment and recovery operations in the insurance business to be carried out automatically without manual intervention when the preset conditions are met, thereby greatly improving the speed and reliability of business processing. With the support of digital RMB and blockchain technology, the transfer of funds and the management of transaction records have become more transparent and secure, further promoting the automation and digitization of transactions. Specifically, when the smart contract receives the recovery request from the insurance institution, it will automatically check the validity of the request, including the accuracy of the recovery amount and the compliance of the request. If all conditions are met, the smart contract will automatically deduct the recovery amount from the bidder's wallet according to the preset rules and transfer it to the insurance institution's wallet. All transaction information in this process, including the recovery amount, timestamp, and the digital identities of the two parties to the transaction, will be recorded on the blockchain, forming an unalterable transaction history, thereby providing additional trust guarantees and audit basis for both parties.

[0119] As an optional implementation example, during the validity period of the insurance, if the insured abandons the bid or fails to fulfill the commitments in the bidding documents for some reason, the beneficiary will submit an application for compensation notice and supporting materials to the insurance institution. The insurance institution will pay compensation to the insured after review and approval, and the insurance institution will seek compensation from the insured at the same time. Based on digital identity authentication and digital RMB smart contracts, digital RMB smart contracts allow specific conditions and rules to be embedded in digital RMB transactions, so that transactions can be automatically executed when preset conditions are met. Through the bid guarantee insurance smart contract, the bid guarantee insurance clauses can be converted into computer code to realize the digitization and automated execution of the contract, thereby reducing performance risks and ensuring the safety of funds. Figure 4 This is an optional flow chart for realizing automatic payment and recovery of electronic bidding guarantee insurance based on smart contracts according to an embodiment of the present invention, such as Figure 4 As shown, the process includes:

[0120] Step S41: the insurance institution verifies the identity of the beneficiary, which specifically includes:

[0121] First, the insurance agency submits its identity BID to the blockchain network i (recorded in the blockchain network), beneficiary identity BID b Next, the insurance agency sends a signed transaction (blockchain smart contract) to the network. Once the smart contract in the blockchain network receives the signed transaction from the guarantor, the blockchain smart contract executes the lookup function Check whether the insurance agency and beneficiary identity exist in the network. If the identity exists, the insurance agency will send a verification transaction request to the beneficiary. Next, the beneficiary uses his private key Check encrypted transactions and send their verification transactions to insurance institutions Once the insurance agency receives the encrypted transaction from the beneficiary, the beneficiary will also perform the same verification, and a mutual verification relationship is established between the insurance agency and the beneficiary.

[0122] Step S42, smart contract deployment, specifically includes:

[0123] Step S421: Smart contract creation, specifically:

[0124] The insured selects the bidding guarantee insurance payment smart contract template according to the business type on the smart contract platform of the designated digital RMB operating institution, creates a bidding guarantee insurance payment smart contract, and the designated digital RMB operating institution obtains the bidding guarantee insurance contract template and sends it to the insured. The insured configures parameters according to the business attributes of the bidding guarantee insurance payment. The parameter settings are as follows: bidding guarantee insurance payment amount, bidding guarantee insurance beneficiary public digital RMB wallet number w b、The insured's public digital RMB wallet number w I , insurance expiration date, etc.), the bidding guarantee insurance payment smart contract triggering rules are set as follows:

[0125] The insurance agency uploads the claim notice signed with the policyholder’s private key;

[0126] Current date < insurance expiration date;

[0127] After the bid guarantee insurance contract rules are set, the insured will pass the set smart contract parameter rules to the smart contract platform of the designated digital RMB operating institution. The smart contract platform of the designated digital RMB operating institution will generate a contract according to demand and store the contract parameters.

[0128] Step S422: smart contract signing, specifically including:

[0129] The designated operating institution of the digital RMB sends the generated bid guarantee insurance smart contract to be signed to the beneficiary, insurance institution and policyholder respectively. The beneficiary, insurance institution and policyholder respectively use their own private keys to sign the bid guarantee insurance smart contract, and send the signed smart contract and their own public keys to the designated operating institution of the digital RMB. After the digital RMB uses the public key to verify the signature, the bid guarantee insurance smart contract becomes effective. Finally, the effective bid guarantee insurance smart contract is loaded onto the blockchain.

[0130] Step S43: the insurance institution reviews the bid guarantee insurance claim application, which specifically includes:

[0131] During the validity period of the insurance, if the insured person gives up the bid or fails to fulfill the commitment in the bidding documents for some reason, the beneficiary shall issue a claim notice in the form of a written PDF file containing the claim amount. The beneficiary shall Use the RSA algorithm to sign the claim notice in PDF file format. The execution process is as follows:

[0132]

[0133] After completing the signature, the beneficiary will send the signed electronic bidding guarantee insurance and related certificates and other supporting materials to the blockchain storage, and the beneficiary will send the signed claim notice and contract, invoice, payment certificate and other materials to the insurance agency for review.

[0134] Step S44: The smart contract automatically pays and recovers. Specifically:

[0135] After receiving the signed claim notice and related certificates from the beneficiary, the insurance agency will review the insurance payment based on the bidding guarantee, claim notice and related certificates. After the review is passed, the insurance agency will use the insurance agency private key Ki sk Sign the claim notice and upload the claim notice with the insurance agency's signature to the blockchain.

[0136] The bid guarantee insurance payment smart contract is responsible for accessing the world state of the blockchain through a reading function, and periodically reads the claim notice signed by the insurance agency stored on the blockchain. When the condition that the current date is less than the insurance expiration date is read and met, the blockchain smart contract automatically executes the bid guarantee insurance payment. According to the insurance payment amount in the preset parameter rules, the bid guarantee insurance smart contract will transfer the insurance agency's public digital RMB wallet w I The compensation amount is automatically transferred to the public digital RMB wallet of the beneficiary of the bidding guarantee insurance B Finally, the insurance institution sends a claim and amount to the policyholder, and the policyholder transfers the claim from the policyholder's public digital RMB wallet to the policyholder's digital RMB wallet based on the claim and amount. A Transfer to the public digital RMB wallet of the insurance institution that bids for guarantee insurance I , complete automatic payment and recovery of bid guarantee insurance based on smart contracts.

[0137] Through the above steps S102 to S108, the purpose of calculating the bid guarantee insurance premium rate through vertical federated learning can be achieved, and the bid guarantee insurance smart contract combined with the digital RMB wallet settlement method can be used to automatically execute the compensation, thereby achieving the technical effect of improving the efficiency, security and transparency of the bid guarantee insurance compensation process and reducing operating costs, thereby solving the technical problems of opaque rate calculation, low compensation efficiency and low security in the bid guarantee insurance compensation process in related technologies.

[0138] Based on the above embodiments and optional embodiments, the present invention proposes an optional implementation of a bid guarantee insurance compensation method, which includes:

[0139] S1, preparation of digital RMB payment environment. The insured of the bid guarantee insurance, the insurance institution and the beneficiary of the bid guarantee insurance shall submit relevant certification materials at the counter of the designated digital RMB operating institution to open a digital RMB public wallet account, thereby obtaining the bid guarantee insurance bidder's public digital RMB wallet, the insurance institution's public digital RMB wallet, and the bid guarantee insurance beneficiary's public digital RMB wallet.

[0140] S2, calculate the bid guarantee insurance premium rate based on vertical federated learning. First, the credit status records of bidders on the bidding platform, project risk data and insurance company historical claims records, and bid guarantee insurance premium rate data are used as two data training parties to initialize the model parameters W A and W I, with the bidding agency as the collaborator, an encryption key is created and the public key is sent to the bidding platform and the insurance agency; secondly, the model training loss function is calculated, the bidding platform and the insurance agency input each sample into the model to calculate the eigenvalue, and the loss function is calculated according to the generalized linear regression of the Tweedie distribution; then, the model training gradient is calculated, and the bidding platform and the insurance agency use homomorphic encryption technology to jointly calculate the bidding platform gradient and the insurance company gradient, and update the gradient and loss function; again, until the model converges, the optimal parameter W of the model is calculated. A and W I ; Finally, the bid bond insurance premium rate is predicted based on the insured's credit status and project risk data and models.

[0141] S3, electronic bidding guarantee insurance opening and verification. First, the insured, the insurance institution and the beneficiary sign the transaction and transmit the signature to the blockchain network to complete their respective identity registration. Then the insurance institution submits his identity and the insured's identity and other information to the blockchain network and verifies the insured's identity through the smart contract. Secondly, the insured submits the bidding guarantee insurance application materials to the insurance institution, the insurance institution opens the electronic bidding guarantee insurance, and uses the insurance institution's private key to sign the bidding guarantee insurance and calculate its hash value. The insurance institution sends the bidding guarantee insurance and its hash value to the blockchain storage, and sends the signed bidding guarantee insurance to the applicant. Then, the insured submits his identity and the beneficiary's identity to the blockchain network and verifies the beneficiary's identity through the smart contract. Finally, the insured sends the signed bidding guarantee insurance to the beneficiary, and the hash value of the bidding guarantee insurance is calculated by the smart contract and compared with the hash value stored on the blockchain to verify the authenticity of the electronic bidding guarantee insurance.

[0142] S4, based on smart contracts, realize automatic compensation and recovery of bid guarantee insurance. First, the insurance institution submits its identity and beneficiary identity information to the blockchain network, and verifies the beneficiary identity through smart contracts. Then, the insured selects a template on the smart contract platform of the designated digital RMB operator and sets parameters such as the compensation amount and digital RMB wallet account, and loads the smart contract signed by all parties to the blockchain. Secondly, the beneficiary opens a claim notice in the form of a PDF file and signs it with a private key and sends it to the blockchain with relevant supporting materials. Thirdly, the insurance institution reviews the materials and signs them with a private key and uploads them to the blockchain. The smart contract on the blockchain periodically reads the claim notice with the signature of the insurance institution stored on the blockchain and the bid guarantee insurance is within the validity period, triggering the smart contract and automatically transferring the compensation amount of the insurance institution's digital RMB wallet to the beneficiary. Finally, the insurance institution sends a claim request and amount to the insured, and the insured transfers the recovery amount from the insured's public digital RMB wallet to the insurance institution's public digital RMB wallet based on the claim request and amount.

[0143] This embodiment can achieve at least one of the following effects: (1) Innovatively adopting the vertical federated learning technology for the calculation of the bid guarantee insurance premium rate, the credit status records of the bidders on the bidding platform, the project risk data, the historical claims records of the insurance institutions, and the bid guarantee insurance premium rate data are used as two data training parties. At the same time, combined with the Tweedie distribution, it is very suitable for the situation of a large number of zero values ​​and non-negative points of the bid guarantee insurance. By keeping the data within the domain, while protecting the data privacy of the bidding platform and the insurance company, it is possible to use historical data to predict the bid guarantee insurance premium rate without leaking the historical data of the bidding platform and the claims records and rate data of the insurance company. (2) In the process of bid guarantee insurance payment, an innovatively licensed blockchain network is adopted. Based on the license chain, only authorized participants (such as the insured, the insurance institution and the beneficiary) can join the blockchain network to prevent unauthorized access and potential network attacks. At the same time, the digital identities of the insurance policyholder, the insurance institution and the insurance beneficiary can be quickly identified and authenticated. After mutual identity authentication, the security of identity authentication can be improved and the risk of abnormal interaction and access can be reduced. (3) Innovatively adopt blockchain to realize the opening and verification of electronic bidding guarantee insurance. By loading the smart contract on the blockchain, the hash value of the electronic bidding guarantee insurance after the signature of the electronic bidding guarantee insurance issued by the insurance institution is judged to be consistent with the hash value of the electronic bidding guarantee insurance after the signature received by the beneficiary. The consistency of the bidding guarantee insurance can be judged, which can quickly verify the validity of the insurance, speed up the payment process, and reduce the time and cost incurred by verifying the authenticity of the bidding guarantee insurance. (4) In the process of bidding guarantee insurance payment, the digital RMB smart contract is innovatively adopted for payment. Through the preset bidding guarantee insurance payment parameter rules, if the smart contract obtains the claim notice with the signature of the insurance institution uploaded to the blockchain and is within the validity period of the insurance, the smart contract is triggered to automatically transfer funds from the insurance institution's digital RMB public wallet to the beneficiary's digital RMB public wallet, reducing the risk of manual operation errors and improving the efficiency and accuracy of bidding guarantee insurance payment.

[0144] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. For example, an interface is set up between this system and the relevant user or organization. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0145] In this embodiment, a bid guarantee insurance compensation device is also provided, which is used to implement the above embodiments and preferred implementation modes, and the descriptions that have been made will not be repeated. As used below, the terms "module" and "device" can be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0146] According to an embodiment of the present invention, there is also provided an apparatus embodiment for implementing the above bid guarantee insurance compensation method. Figure 5 is a schematic diagram of the structure of a bid guarantee insurance compensation device according to an embodiment of the present invention. Figure 5 As shown, the bid guarantee insurance compensation device includes: a contract building module 500, a request receiving module 502, a detection module 504, and a transfer module 506, wherein:

[0147] The contract construction module 500 is used to construct a bid guarantee insurance smart contract and deploy the bid guarantee insurance smart contract to the blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance compensation and recovery based on digital RMB; the request receiving module 502 is connected to the contract construction module 500, and is used to receive the claim request from the tenderer, wherein the claim request carries claim proof information; the detection module 504 is connected to the request receiving module 502, and is used to detect whether the claim request meets predetermined conditions through the bid guarantee insurance smart contract deployed on the blockchain based on the claim proof information; the transfer module 506 is connected to the detection module 504, and is used to transfer the compensation amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer based on the bid guarantee insurance smart contract when the claim request meets the predetermined conditions.

[0148] In the embodiment of the present invention, by setting up a contract construction module 500, a request receiving module 502, a detection module 504, and a transfer module 506, the purpose of automatically executing compensation through a bid guarantee insurance smart contract combined with digital RMB wallet settlement is achieved, thereby achieving the technical effect of improving the efficiency, security and transparency of the bid guarantee insurance compensation process, and further solving the technical problems of low compensation efficiency and low security existing in the bid guarantee insurance compensation method in the related technology.

[0149] It should be noted that the above modules can be implemented by software or hardware. For example, for the latter, it can be implemented in the following ways: the above modules can be located in the same processor; or the above modules can be located in different processors in any combination.

[0150] It should be noted that the contract construction module 500, request receiving module 502, detection module 504, and transfer module 506 correspond to steps S102 to S108 in the embodiment, and the examples and application scenarios implemented by the modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above embodiment. It should be noted that the modules as part of the device can be run in a computer terminal.

[0151] It should be noted that the optional or preferred implementation of this embodiment can refer to the relevant description in the embodiment, which will not be repeated here.

[0152] The above-mentioned bid guarantee insurance compensation device may also include a processor and a memory. The above-mentioned contract construction module 500, request receiving module 502, detection module 504, transfer module 506, etc. are all stored in the memory as program modules, and the processor executes the above-mentioned program modules stored in the memory to realize the corresponding functions.

[0153] The processor includes a kernel, which retrieves the corresponding program module from the memory. The kernel may be one or more. The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. The memory includes at least one memory chip.

[0154] According to an embodiment of the present application, an embodiment of a non-volatile storage medium is also provided. Optionally, in this embodiment, the non-volatile storage medium includes a stored program, wherein when the program is executed, the device where the non-volatile storage medium is located is controlled to execute any of the bid guarantee insurance compensation methods.

[0155] Optionally, in this embodiment, the non-volatile storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group, and the non-volatile storage medium includes a stored program.

[0156] Optionally, when the program is running, the device where the non-volatile storage medium is located is controlled to perform the following functions: construct a bid guarantee insurance smart contract, and deploy the bid guarantee insurance smart contract to the blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance payment and recovery based on digital RMB; receive a claim request from the tenderer, wherein the claim request carries claim proof information; based on the claim proof information, detect whether the claim request meets predetermined conditions through the bid guarantee insurance smart contract deployed on the blockchain; if the claim request meets the predetermined conditions, based on the bid guarantee insurance smart contract, transfer the compensation amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer.

[0157] According to an embodiment of the present application, an embodiment of a processor is also provided. Optionally, in this embodiment, the processor is used to run a program, wherein the program executes any of the bid guarantee insurance compensation methods when running.

[0158] According to an embodiment of the present application, an embodiment of a computer program product is also provided, which, when executed on a data processing device, is suitable for executing a program that initializes any of the steps of the bid guarantee insurance payment method described above.

[0159] An embodiment of the present invention provides an electronic device, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, the following steps are implemented: constructing a bid guarantee insurance smart contract, and deploying the bid guarantee insurance smart contract to a blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance payment and recovery based on digital RMB; receiving a claim request from a tenderer, wherein the claim request carries claim proof information; based on the claim proof information, detecting whether the claim request meets predetermined conditions through the bid guarantee insurance smart contract deployed on the blockchain; if the claim request meets the predetermined conditions, transferring the compensation amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer based on the bid guarantee insurance smart contract.

[0160] The above sequence of the embodiments of the present invention is for description only and does not represent the superiority or inferiority of the embodiments.

[0161] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0162] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the above modules can be a logical function division. There may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, modules or indirect coupling or communication connection of modules, which can be electrical or other forms.

[0163] The modules described above as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the present embodiment.

[0164] In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist physically separately, or two or more modules may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of software functional modules.

[0165] If the above-mentioned integrated module is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable non-volatile storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a non-volatile storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the various embodiments of the present invention. The aforementioned non-volatile storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0166] The above are only preferred embodiments of the present invention. It should be pointed out that, for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A bid guarantee insurance payment method, characterized in that: include: Constructing a bid bond insurance smart contract and deploying the bid bond insurance smart contract to the blockchain, wherein the bid bond insurance smart contract defines rules for insurance payment and recovery based on digital RMB; Receiving a claim request from the tenderer, wherein the claim request carries claim certification information; Based on the claim proof information, detecting whether the claim request meets predetermined conditions through the bid guarantee insurance smart contract deployed on the blockchain; When the claim request meets the predetermined conditions, based on the bid guarantee insurance smart contract, the compensation amount will be transferred from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer.

2. The method according to claim 1, characterized in that The construction of the bid guarantee insurance smart contract includes: Determining the insurance premium based on the bid guarantee insurance premium rate, wherein the bid guarantee insurance premium rate is based on the credit status data of the bidder and the project risk data and is obtained using an insurance premium rate prediction model; Based on the insurance premium, issue the electronic bidding guarantee insurance corresponding to the bidder; Verifying the electronic bidding guarantee insurance to obtain a verification result; When the verification result indicates that the electronic bid guarantee insurance verification is passed, the bid guarantee insurance smart contract is constructed.

3. The method according to claim 2, characterized in that Before determining the insurance premium based on the bid guarantee insurance premium rate, the method further includes: The insurance premium prediction model is obtained by performing longitudinal federated learning based on the credit status data and project risk data corresponding to multiple bidders held by the bidding platform, as well as the historical claim records and historical insurance premiums held by the insurance institution.

4. The method according to claim 3, characterized in that The insurance rate prediction model is obtained by performing longitudinal federated learning based on the credit status data and project risk data corresponding to the multiple bidders held by the bidding platform, and the historical claim records and historical insurance premium rates held by the insurance institution, including: In the process of vertical federated learning, based on the credit status data and project risk data corresponding to multiple bidders held by the bidding platform, as well as the historical claim records and historical insurance premiums held by the insurance institution, the generalized linear regression method of Tweedie distribution is used to calculate the model loss; Based on the model loss, homomorphic encryption technology is used to calculate the bidding platform gradient and insurance institution gradient; Based on the bidding platform gradient and the insurance institution gradient, gradient updating is performed on the model parameters respectively held by the bidding platform and the insurance institution; The above operations are repeatedly performed until a predetermined termination condition is reached, and the model parameters respectively held by the bidding platform and the insurance institution obtained when the predetermined termination condition is reached are used to construct the insurance premium rate prediction model.

5. The method according to claim 2, characterized in that: The electronic bidding guarantee insurance corresponding to the bidder is issued based on the insurance premium, including: Obtaining insurance application information submitted by the bidder to the insurance institution; Extracting insurance parameters from the insurance application information; The electronic bidding guarantee insurance is generated based on the insurance parameters and the insurance premium.

6. The method according to claim 2, characterized in that The verifying of the electronic bidding guarantee insurance to obtain the verification result includes: Obtaining a first signed bid guarantee insurance stored on the blockchain, and a first hash value corresponding to the first signed bid guarantee insurance, wherein the first signed bid guarantee insurance is obtained by the insurance institution using a corresponding private key to digitally sign the electronic bid guarantee insurance and store it in the blockchain, and the first hash value is obtained by the insurance institution performing a hash calculation on the first signed bid guarantee insurance and storing it in the blockchain; Obtaining a second hash value stored on the blockchain, wherein the second hash value is obtained by the tenderer using a corresponding private key to decrypt the first signed bid guarantee insurance sent by the insurance institution, obtaining the decrypted bid guarantee insurance, performing hash calculation on the decrypted bid guarantee insurance and storing it in the blockchain; Detecting whether the first Hash value matches the second Hash value; In the case where the first hash value matches the second hash value, determining the verification result is: The electronic bidding guarantee insurance verification is passed; In the case where the first hash value does not match the second hash value, the verification result is determined as: the electronic bidding guarantee insurance verification fails.

7. The method according to any one of claims 1 to 6, characterized in that: The construction of the bid guarantee insurance smart contract includes: Obtain smart contract configuration parameters, wherein the smart contract configuration parameters include at least: the compensation amount, participant information, insurance validity period, and recovery clause; Determine the smart contract template; Based on the smart contract configuration parameters and the smart contract template, the bid guarantee insurance smart contract is constructed.

8. The method according to any one of claims 1 to 6, characterized in that When the claim request satisfies the predetermined conditions, after the compensation amount is transferred from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer based on the bid guarantee insurance smart contract, the method further includes: receiving a claim for compensation from the insurance institution, wherein the claim for compensation carries a claim amount; The recovery amount will be transferred from the bidder’s digital RMB wallet to the insurance institution’s digital RMB wallet.

9. A bid guarantee insurance payment device, characterized in that: include: A contract construction module, used to construct a bid guarantee insurance smart contract and deploy the bid guarantee insurance smart contract to the blockchain, wherein the bid guarantee insurance smart contract defines rules for insurance payment and recovery based on digital RMB; A request receiving module, used for receiving a claim request from a tendering party, wherein the claim request carries claim certification information; A detection module, configured to detect whether the claim request meets a predetermined condition through the bid guarantee insurance smart contract deployed on the blockchain based on the claim proof information; The transfer module is used to transfer the compensation amount from the digital RMB wallet of the insurance institution to the digital RMB wallet of the tenderer based on the bid guarantee insurance smart contract when the claim request meets the predetermined conditions.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the bid guarantee insurance payment method described in any one of claims 1 to 8.

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