CN114896616B - Policy processing method and system based on block chain - Google Patents
Policy processing method and system based on block chain Download PDFInfo
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- CN114896616B CN114896616B CN202210581188.8A CN202210581188A CN114896616B CN 114896616 B CN114896616 B CN 114896616B CN 202210581188 A CN202210581188 A CN 202210581188A CN 114896616 B CN114896616 B CN 114896616B
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Abstract
The invention provides a policy processing method and system based on a blockchain, wherein the method comprises the following steps: forming each policy information into an intelligent contract; digitally signing the intelligent contract by a private key of a user, and transmitting the obtained digitally signed intelligent contract to a distributed network; sending a contract information checking request to the blockchain, so that other nodes on the blockchain perform identity verification on the user based on the contract information checking request; after the verification success information is obtained, obtaining a corresponding digitally signed intelligent contract in the distributed network; if the digitally signed intelligent contract needs to be changed, a contract information change request is sent to the blockchain, other nodes on the blockchain accept the contract information change request, and after the acceptance is completed, a contract processing result is digitally signed and then sent to the distributed network; and acquiring and viewing contract processing results. The method realizes data synchronization, information symmetry, ensures information transparency and traceability and protects customer privacy.
Description
Technical Field
The invention relates to the technical field of blockchains, in particular to a policy processing method and system based on a blockchain.
Background
After the policy occurs, subsequent security related services, such as: security item of core content: claims and payouts; security items of uncore content: most basic services (e.g., a refund class, a change class, a management service class), and additional services.
The guarantee product is generally provided with a payment period, and the insurance policy corresponding to the payment period has the cash value corresponding to the insurance company. After paying the insurance fee of different years, the insurance company gives the underwriter a return table divided by years to the specific date of the future different years, so that the holder of the insurance policy can redeem the relevant insurance policy value to the insurance company according to the different insurance periods, or withdraw the insurance policy to the cash value of the current year.
For a person buying a policy, when the person encounters financial difficulties, the policy can be mortgage to a bank, or the policy value money can be borrowed from an insurance company, or corresponding transfer transaction can be performed.
In the related art, information such as policy contracts and values are stored in a central database of a bank and an insurance company, respectively, mainly depending on information such as reconciliation. However, due to the central abuse authority problem, the policy may be tampered with at will; moreover, data between different organization service platforms are not synchronous, so that policy information is asymmetric; in addition, dishonest service providers can modify contract content without user authorization, and user privacy is difficult to protect.
Thus, the conventional policy processing method has the problem of data asynchronization and information asymmetry.
Disclosure of Invention
Therefore, the embodiment of the invention provides a block chain-based policy processing method and a block chain-based policy processing system, so as to achieve the purposes of data synchronization, information symmetry, information transparency and traceability guarantee and customer privacy protection.
In order to achieve the above object, the embodiment of the present invention provides the following technical solutions:
The first aspect of the embodiment of the invention discloses a policy processing method based on a blockchain, which is applicable to a user node, wherein the user node is a node on the blockchain, and the method comprises the following steps:
forming intelligent contracts by using information of all the insurance policies purchased by the user, and creating contract addresses for the intelligent contracts and pre-created personal accounts, wherein the intelligent contracts comprise transaction abstracts, transaction contents and data signatures, and the contract addresses are used for recording and tracking detail contents of intelligent contract variation;
Digitally signing the intelligent contract by the private key of the user, and transmitting the obtained digitally signed intelligent contract to a distributed network;
sending a contract information checking request to the blockchain, so that other nodes on the blockchain can perform identity verification on the user based on the contract information checking request;
after verification success information is obtained, obtaining a corresponding digitally signed intelligent contract in the distributed network;
if the digitally signed intelligent contract is required to be changed, sending a contract information change request to the blockchain, enabling other nodes on the blockchain to accept according to the contract information change request, updating a first private key signature and a secure digital identity based on a second private key after the acceptance is completed, and sending a contract processing result to the distributed network after the digital signature is carried out, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance;
and acquiring the contract processing result and checking.
Optionally, in the process of forming the smart contract, the method further includes:
generating a first private key and a second private key of the user;
Based on the first private key and the second private key, adopting an asymmetric algorithm RSA to respectively generate a first public key and a second public key of the user, and carrying out hash encryption on the first public key and the second public key to generate a secure digital identity;
Uploading the secure digital identity, the first private key signature, the first public key, the second public key and the secure digital identity to the blockchain, so that other nodes on the blockchain bind the first public key, the second public key and the secure digital identity.
Optionally, the sending the obtained digitally signed smart contract to the distributed network includes:
Dividing other nodes on the block chain equally by adopting a broadcast encryption mode to obtain n subsets, wherein n is a positive integer, and each subset is allocated with a secret key;
selecting a session key, encrypting the session key by using keys corresponding to the subsets, and encrypting the transaction content by using the session key to obtain an encrypted message, wherein the encrypted message comprises a broadcasting head and a broadcasting body;
And sending the encrypted message to a distributed network.
Optionally, after obtaining the verification success information, obtaining a corresponding digitally signed intelligent contract in the distributed network includes:
after the verification success information is obtained, obtaining a corresponding encrypted message in the distributed network;
searching the encrypted data of the set to which the user belongs in the broadcasting head;
decrypting the encrypted data by using a private key to obtain the session key;
decrypting the broadcasting body by using the session key to obtain intelligent contract content;
Correspondingly, if the digitally signed smart contract needs to be changed, sending a contract information change request to the blockchain, including:
and if the intelligent contract content needs to be changed, sending a contract information change request to the blockchain.
The second aspect of the embodiment of the invention discloses a policy processing method based on a blockchain, which is applicable to a verification node, wherein the verification node is a node on the blockchain, and the method comprises the following steps:
Acquiring a first public key, a second public key and a secure digital identity on the blockchain, wherein the first public key and the second public key are respectively generated by adopting an asymmetric algorithm RSA based on a first private key and a second private key of a user generated when an intelligent contract is formed, and are uploaded to the blockchain by a user node, and the secure digital identity is obtained by carrying out hash encryption on the first public key and the second public key and is uploaded to the blockchain by the user node;
Binding the first public key, the second public key and the secure digital identity.
Optionally, the method further comprises:
Acquiring a contract information checking request on the blockchain;
based on the contract information checking request, acquiring a hash-encrypted public key to be verified, a hash-encrypted second public key, the secure digital identity and a first private key signature which are uploaded to the blockchain by the user node;
Verifying the hash-encrypted public key to be verified by utilizing the secure digital identity and the first private key signature;
if the verification is passed, determining that the user identity is legal, and sending verification success information to the block chain;
updating the first private key signature and the secure digital identity based on the second private key;
if the verification is not passed, determining that the user identity is illegal, and sending verification failure information to the blockchain.
Optionally, the method further comprises:
binding a pre-created personal account corresponding to the user with the secure digital identity based on the first public key and the second public key;
And retrieving the personal account based on the second private key signature.
The third aspect of the embodiment of the invention discloses a policy processing method based on a blockchain, which is applicable to an intelligent contract processing node, wherein the intelligent contract processing node is a node on the blockchain, and the method comprises the following steps:
acquiring a contract information change request on the block chain;
According to the contract information changing request, intelligent contract information which needs to be changed by a user node on a blockchain is obtained, and the intelligent contract information is accepted to obtain a contract processing result;
After acceptance is completed, updating a first private key signature and a secure digital identity based on a second private key, and sending the contract processing result to a distributed network after digital signature, so that other nodes on the blockchain acquire the contract processing result and view the contract processing result, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance.
The fourth aspect of the embodiment of the invention discloses a policy processing system based on a blockchain, which is applicable to a user node, wherein the user node is a node on the blockchain, and the system comprises:
The contract forming module is used for forming intelligent contracts from the information of all the insurance policies purchased by the user, and creating contract addresses for the intelligent contracts and the pre-created personal accounts, wherein the intelligent contracts comprise transaction abstracts, transaction contents and data signatures, and the contract addresses are used for recording and tracking the detail contents of intelligent contract variation;
the digital signature module is used for digitally signing the intelligent contract through the private key of the user and sending the obtained digitally signed intelligent contract to a distributed network;
the permission determining module is used for sending a contract information checking request to the blockchain so that other nodes on the blockchain can conduct identity verification on the user based on the contract information checking request;
the acquisition module is used for acquiring the corresponding digitally signed intelligent contract in the distributed network after acquiring the verification success information;
The change module is used for sending a contract information change request to the blockchain if the digitally signed intelligent contract needs to be changed, enabling other nodes on the blockchain to accept according to the contract information change request, updating a first private key signature and a secure digital identity based on a second private key after the acceptance is completed, and sending a contract processing result to the distributed network after the contract processing result is digitally signed, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance;
And the checking module is used for acquiring the contract processing result and checking.
Optionally, in the process that the contract forming module is configured to form a smart contract, the contract forming module is further configured to:
Generating a first private key and a second private key of the user; based on the first private key and the second private key, adopting an asymmetric algorithm RSA to respectively generate a first public key and a second public key of the user, and carrying out hash encryption on the first public key and the second public key to generate a secure digital identity; uploading the secure digital identity, the first private key signature, the first public key, the second public key and the secure digital identity to the blockchain, so that other nodes on the blockchain bind the first public key, the second public key and the secure digital identity.
The policy processing method and system based on the blockchain provided by the embodiment of the invention are applicable to the user node, wherein the user node is a node on the blockchain, and the method comprises the following steps: forming intelligent contracts by using information of all the insurance policies purchased by the user, and creating contract addresses for the intelligent contracts and pre-created personal accounts, wherein the intelligent contracts comprise transaction abstracts, transaction contents and data signatures, and the contract addresses are used for recording and tracking detail contents of intelligent contract variation; digitally signing the intelligent contract by the private key of the user, and transmitting the obtained digitally signed intelligent contract to a distributed network; sending a contract information checking request to the blockchain, so that other nodes on the blockchain can perform identity verification on the user based on the contract information checking request; after verification success information is obtained, obtaining a corresponding digitally signed intelligent contract in the distributed network; if the digitally signed intelligent contract is required to be changed, sending a contract information change request to the blockchain, enabling other nodes on the blockchain to accept according to the contract information change request, updating a first private key signature and a secure digital identity based on a second private key after the acceptance is completed, and sending a contract processing result to the distributed network after the digital signature is carried out, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance; and acquiring the contract processing result and checking. In the scheme, the intelligent contract is formed by all policy information, contract addresses are created for the intelligent contract and the personal account, the intelligent contract is digitally signed and then sent to the distributed network, clients with different identities view the content of the intelligent contract according to the identity verification condition, so that data synchronization, information symmetry and transparent traceability of information are realized, and the privacy of the clients is protected.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a method for processing a policy based on blockchain according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of sending an obtained digitally signed smart contract to a distributed network according to an embodiment of the present invention;
FIG. 3 is a flow chart of obtaining a digitally signed smart contract corresponding to a distributed network according to an embodiment of the present invention;
FIG. 4 is a flowchart illustrating another blockchain-based policy handling method according to an embodiment of the present invention;
FIG. 5 is a flowchart of still another method for obtaining a corresponding digitally signed smart contract in a distributed network according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of a block chain-based policy handling system according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of another block chain based policy handling system according to an embodiment of the present invention;
FIG. 8 is a block chain-based policy processing system according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In the present disclosure, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The terms "first," "second," "third," "fourth" and the like in the description and in the claims and in the above drawings, if any, are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments described herein may be implemented in other sequences than those illustrated or otherwise described herein.
As known from the background art, the existing policy processing mode has the problem of data asynchronism and information asymmetry.
Therefore, the embodiment of the invention provides a blockchain-based policy processing method and a blockchain-based policy processing system, in the scheme, each policy information is formed into an intelligent contract, contract addresses are created for the intelligent contract and a personal account, the intelligent contract is digitally signed and then sent to a distributed network, clients with different identities view the content of the intelligent contract according to the identity verification condition, so that data synchronization, information symmetry, transparent traceability of information and protection of client privacy are realized.
Fig. 1 is a schematic flow chart of a block chain-based policy processing method according to an embodiment of the present invention, where the method is applicable to a user node.
It should be noted that the user node is a node on the blockchain.
It should be noted that, blockchains are a new application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, and the like.
The policy processing method based on the block chain mainly comprises the following steps:
step S101: the individual policy information purchased by the user is formed into an intelligent contract and a contract address is created for the intelligent contract and the pre-created personal account.
In step S101, the smart contract includes a transaction digest, transaction content, and a data signature.
The contract address is used to record and track smart contract variation details.
The smart contract may be represented by Contract Account and the personal account may be Externally Owned Account.
In the specific implementation step S101, a personal account is created for each user in advance, a user node obtains the insurance policy purchased by each user through different channels, obtains the insurance policy information corresponding to each insurance policy, forms each insurance policy information into an intelligent contract, creates a contract address for the intelligent contract and the personal account, namely, the intelligent contract and the personal account have the same address, and when the intelligent contract changes each time, the detail content of the intelligent contract change is tracked through the contract address, so that the transparency and traceability of the information are ensured.
Preferably, in one embodiment, the banking party creates a contract address, leaving the smart contract with an address as the personal account.
Optionally, executing the process of forming the respective policy information purchased by the user into the smart contract in step S101 further includes:
step S11: a first private key and a second private key of a user are generated.
In the process of the specific implementation step S11, the first private key and the second private key of the user are generated along with the creation of the data identity while the smart contract is generated.
Step S12: based on the first private key and the second private key, an asymmetric algorithm RSA is adopted to respectively generate a first public key and a second public key of a user, hash encryption is carried out on the first public key and the second public key, and a secure digital identity is generated.
Step S13: uploading the secure digital identity, the first private key signature, the first public key, the second public key and the secure digital identity to the blockchain, so that other nodes on the blockchain bind the first public key, the second public key and the secure digital identity.
In step S13, other nodes include, but are not limited to, a validation node and an intelligent contract processing node.
In practice, nodes include, but are not limited to, insurance companies, regulatory authorities, banks, and investment institutions.
In the specific implementation process of step S13, the user node uploads the secure digital identity, the first private key signature, the first public key, the second public key and the secure digital identity to the blockchain, so that other nodes on the blockchain bind the first public key, the second public key and the secure digital identity, in practical application, the user node uploads the secure digital identity and the first private key signature to the blockchain, and uploads the first public key, the second public key and the secure digital identity to the authentication node (which can be understood as an authentication center), so that the authentication node binds the first public key, the second public key and the secure digital identity.
Step S102: and digitally signing the intelligent contract through the private key of the user, and transmitting the obtained digitally signed intelligent contract to the distributed network.
It should be noted that a distributed network may be understood as a node on a blockchain.
In the specific implementation process of step S102, the user node performs digital signature on the intelligent contract corresponding to the private key of the user, so as to obtain a digitally signed intelligent contract, and sends the digitally signed intelligent contract to the distributed network.
Optionally, the process of performing step S102 to digitally sign the smart contract by the private key of the user and send the obtained digitally signed smart contract to the distributed network is shown in fig. 2, which is a schematic flow chart for sending the obtained digitally signed smart contract to the distributed network according to the embodiment of the present invention, and mainly includes the following steps:
Step S201: and dividing other nodes on the block chain equally by adopting a broadcast encryption mode to obtain n subsets.
In step S201, n is a positive integer, and each subset is assigned a key.
In the specific implementation process of step S201, when the user node sends the digitally signed intelligent contract to the distributed network, the other nodes on the blockchain are equally divided by adopting a broadcast encryption mode, so as to obtain n subsets, which can be respectively represented as subsets L1, L2, L3 and L4.
It will be appreciated that each subset corresponds to a set.
It should be noted that, each set Li allocates a key Ki group < first public key, second private key > (1 is less than or equal to i is less than or equal to 4), and the system allocates secret information Pu to each user u, so that the user for vu e Li can calculate Li, that is, each user belongs to a plurality of sets, and the user holds the keys corresponding to all sets to which the user belongs.
Step S202: selecting a session key, encrypting the session key by using the keys corresponding to the subsets, and encrypting transaction contents by using the session key to obtain an encrypted message.
In step S202, the session key may be represented by K.
The keys corresponding to the subsets may be denoted as { Ki1, ki2, ki3, ki4}.
The encrypted message includes a broadcast header and a broadcast body.
In the specific implementation step S202, a session key is selected, the session key is encrypted by using the keys corresponding to the subsets, and the transaction content (which may be understood as the transmitted message M) is encrypted by using the session key, so as to obtain an encrypted message.
It will be appreciated that the session key K is broadcast Fang Xuanqu, encrypted with the corresponding keys { Ki1, ki2, ki3, ki4} of the partitioned subsets, respectively, and the transmitted message M is encrypted with the session key K to obtain an encrypted message, i.e., a ciphertext such as < [ i1, i2, i3, i4, EKi1 (K), EKi2 (K), EKi3 (K), EKi4 (K) ], ek (M >.
The part in square brackets is called a broadcast header, and Ek (M) is called a broadcast body.
Step S203: the encrypted message is sent into the distributed network.
Step S103: and sending a contract information checking request to the blockchain, so that other nodes on the blockchain can perform identity authentication on the user based on the contract information checking request.
In the specific implementation step S103, the user node may log in the personal account at any time to check the intelligent contract information, that is, the user node initiates a corresponding request according to the requirement, where the request includes but is not limited to a security request, a mortgage loan application request, and a contract information check request, and the user node sends the contract information check request to the blockchain, so that other nodes on the blockchain perform identity verification on the user based on the contract information check request, if the verification is passed, it is determined that the user identity is legal, and verification success information is sent to the blockchain, and if the verification is not passed, it is determined that the user identity is illegal, and verification failure information is sent to the blockchain.
Step S104: after the verification success information is obtained, the corresponding digitally signed intelligent contract in the distributed network is obtained.
In the specific implementation step S104, the user node obtains the verification success information, which indicates that the user identity is legal, and then obtains the corresponding digitally signed intelligent contract in the distributed network after obtaining the verification success information.
Optionally, after the verification success information is obtained, the step S104 is executed to obtain a corresponding digitally signed intelligent contract in the distributed network, as shown in fig. 3, which is a schematic flow chart for obtaining a corresponding digitally signed intelligent contract in the distributed network according to the embodiment of the present invention, and mainly includes the following steps:
Step S301: and after the verification success information is obtained, obtaining the corresponding encrypted message in the distributed network.
In the specific implementation step S301, the user node obtains the verification success information, which indicates that the user identity is legal, and then obtains the corresponding encrypted message in the distributed network after obtaining the verification success information.
Step S302: and searching the encrypted data of the set to which the user belongs in the broadcast head.
In the specific implementation process of step S302, the user node searches the broadcast header for the encrypted data of the set to which the user belongs, that is, searches the broadcast header for the encrypted data of the set to which the user belongs.
Step S303: and decrypting the encrypted data by using the private key to obtain a session key.
In the specific implementation step S303, the user node decrypts the encrypted data by using the private key held by the user node itself, to obtain the session key K.
Step S304: and decrypting the broadcasting body by using the session key to obtain the intelligent contract content.
In the specific implementation process of step S304, the user node decrypts the broadcast body by using the session key K to obtain the intelligent contract content.
Step S105: if the digitally signed intelligent contract needs to be changed, a contract information change request is sent to the blockchain, other nodes on the blockchain accept the contract information change request, after the acceptance is completed, the first private key signature and the secure digital identity are updated based on the second private key, and a contract processing result is digitally signed and then sent to the distributed network.
In step S105, the second private key, the first private key signature, and the secure digital identity are all pre-generated.
In the specific implementation step S105, after the user identity verification is passed, if the user node needs to change the content corresponding to the obtained digitally signed intelligent contract, a contract information change request is initiated, and the contract information change request is sent to the blockchain, so that other nodes on the blockchain acquire the intelligently signed contract information changed by the user according to the contract information change request, accept the intelligently signed contract information, obtain a contract processing result, update the first private key signature and the secure digital identity based on the second private key after the acceptance is completed, and send the contract processing result to the distributed network after the digital signature is performed.
Optionally, in an embodiment, if the smart contract content needs to be changed, a contract information change request is sent to the blockchain.
Step S106: and acquiring and viewing contract processing results.
In the specific implementation process of step S106, the user node obtains a contract processing result corresponding to the distributed network, and checks the contract processing result.
The method for processing the insurance policy based on the blockchain is suitable for a user node, wherein the user node is a node on the blockchain, an intelligent contract is formed by information of each insurance policy purchased by a user, and a contract address is created for the intelligent contract and a pre-created personal account, wherein the intelligent contract comprises a transaction abstract, transaction contents and a data signature, and the contract address is used for recording and tracking the detail contents of intelligent contract variation; digitally signing the intelligent contract by a private key of a user, and transmitting the obtained digitally signed intelligent contract to a distributed network; sending a contract information checking request to the blockchain, so that other nodes on the blockchain perform identity verification on the user based on the contract information checking request; after the verification success information is obtained, obtaining a corresponding digitally signed intelligent contract in the distributed network; if the digitally signed intelligent contract is required to be changed, sending a contract information change request to the blockchain, enabling other nodes on the blockchain to accept according to the contract information change request, updating a first private key signature and a secure digital identity based on a second private key after the acceptance is completed, and sending a contract processing result to a distributed network after the digital signature is carried out, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance; and acquiring and viewing contract processing results. In the scheme, the intelligent contract is formed by all policy information, contract addresses are created for the intelligent contract and the personal account, the intelligent contract is digitally signed and then sent to the distributed network, clients with different identities view the content of the intelligent contract according to the identity verification condition, so that data synchronization, information symmetry and transparent traceability of information are realized, and the privacy of the clients is protected.
Based on the above-mentioned embodiment of the present invention, the blockchain-based policy processing method shown in fig. 1 is, as shown in fig. 4, a flowchart of another blockchain-based policy processing method according to an embodiment of the present invention, where the method is applicable to verification nodes.
It should be noted that the verification node is a node on the blockchain.
In the embodiment of the invention, the verification node can be understood as an authentication center.
The method mainly comprises the following steps:
Step S401: a first public key, a second public key, and a secure digital identity on a blockchain are obtained.
In step S401, the first public key and the second public key are generated by using an asymmetric algorithm RSA based on the first private key and the second private key of the user generated when the smart contract is formed, and uploaded to the blockchain by the user node.
The secure digital identity is obtained by hash-encrypting the first public key and the second public key and is uploaded to the blockchain by the user node.
In the specific implementation of step S401, the authentication node obtains the first public key, the second public key and the secure digital identity uploaded to the blockchain by the user node.
Step S402: binding the first public key, the second public key and the secure digital identity.
In the process of implementing step S402, the verification node binds the first public key, the second public key and the secure digital identity, that is, the authentication center binds the first public key, the second public key and the secure digital identity.
Step S403: a contract information view request on a blockchain is obtained.
In the specific implementation process of step S403, the user node may log in the personal account at any time to view the intelligent contract information, that is, the user node initiates a corresponding request according to the requirement, when the request is a contract information viewing request, the user node sends the contract information viewing request to the blockchain, and the verification node obtains the contract information viewing request on the blockchain.
Step S404: based on the contract information checking request, a hash-encrypted public key to be verified, a hash-encrypted second public key, a secure digital identity and a first private key signature which are uploaded to the blockchain by the user node are obtained.
In the specific implementation step S404, based on the contract information checking request, the verification node obtains data required by the subsequent operation, that is, obtains the hash-encrypted public key to be verified, the hash-encrypted second public key, the secure digital identity and the first private key signature, which are uploaded to the blockchain by the user node.
Step S405: and verifying the hash-encrypted public key to be verified by utilizing the secure digital identity and the first private key signature.
If the verification is passed, step S406 is executed, and if the verification is not passed, step S408 is executed.
In the specific implementation process of step S405, the verification node verifies the hash-encrypted public key to be verified by using the secure digital identity and the first private key signature, that is, the verification node verifies the hash-encrypted public key to be verified with the secure digital identity and the first private key signature.
Step S406: and determining that the user identity is legal, and sending verification success information to the blockchain.
In the specific implementation step S406, after determining that the hash encrypted public key to be verified passes verification, the verification node further determines that the user identity is qualified, and sends verification success information to the blockchain.
Step S407: the first private key signature and the secure digital identity are updated based on the second private key.
Step S408: and determining that the user identity is illegal, and sending verification failure information to the blockchain.
In the specific implementation step S408, after determining that the hash encrypted public key to be verified fails to verify, the verification node further determines that the user identity is unqualified, and sends verification failure information to the blockchain.
Step S409: based on the first public key and the second public key, the pre-created personal account of the corresponding user is bound with the secure digital identity.
In the specific implementation step S409, a personal account corresponding to the user is created in advance, and the authentication node binds the personal account of the user with the secure digital identity based on the first public key and the second public key, that is, the authentication center binds the personal account of the user with the secure digital identity based on the first public key and the second public key.
Step S410: the personal account is retrieved based on the second private key signature.
In the specific implementation of step S410, the verification node retrieves the personal account corresponding to the user based on the second private key signature, that is, the authentication center retrieves the personal account corresponding to the user based on the second private key signature, and it can be understood that the authentication center retrieves the protocol default key based on the second private key signature.
According to the blockchain-based policy processing method provided by the embodiment of the invention, the first public key, the second public key and the secure digital identity are bound, after the hash encryption to-be-verified public key passes verification, the personal account corresponding to the user and the secure digital identity are bound based on the first public key and the second public key, so that the recovery confirmation of the personal account is realized, the verification security is further enhanced, the data synchronization, the information symmetry, the transparent traceability of the information is ensured, and the privacy of the client is protected.
Based on the above-mentioned embodiments of the present invention, the blockchain-based policy processing method shown in fig. 1 and fig. 4 is, as shown in fig. 5, a flowchart of another blockchain-based policy processing method according to an embodiment of the present invention, where the method is applicable to an intelligent contract processing node.
It should be noted that the smart contract processing node is a node on the blockchain.
The method mainly comprises the following steps:
Step S501: a contract information change request on a blockchain is obtained.
In the specific implementation step S501, after the user identity verification is passed, if the user node needs to change the content corresponding to the obtained digitally signed intelligent contract, a contract information change request is initiated, and the contract information change request is sent to the blockchain, and the intelligent contract processing node obtains the contract information change request on the blockchain.
Step S502: according to the contract information changing request, intelligent contract information which needs to be changed by the user node on the blockchain is obtained, and the intelligent contract information is accepted, so that a contract processing result is obtained.
In the specific implementation process of step S502, the intelligent contract processing node obtains the intelligent contract information that needs to be changed by the user node on the blockchain according to the contract information change request, and accepts the intelligent contract information to obtain a contract processing result.
Step S503: after the acceptance is completed, the first private key signature and the secure digital identity are updated based on the second private key, and the contract processing result is digitally signed and then sent to the distributed network, so that other nodes on the blockchain acquire the contract processing result and view the contract processing result.
In step S503, the second private key, the first private key signature, and the secure digital identity are all pre-generated.
In the specific implementation step S503, after the intelligent contract processing node completes the acceptance of the intelligent contract information, the first private key signature and the secure digital identity are updated based on the second private key, and the contract processing result is digitally signed and then sent to the distributed network, so that other nodes on the blockchain acquire and view the contract processing result, that is, the user node or the verification node acquires and views the contract processing result.
According to the policy processing method based on the blockchain, firstly, intelligent contract information which needs to be changed by a user node on the blockchain is acquired according to a contract information changing request, then the intelligent contract information is accepted, and the acquired contract processing result is digitally signed and then sent to a distributed network, so that other nodes on the blockchain acquire the contract processing result and view the contract processing result, and further data synchronization, information symmetry, transparent traceability of information and customer privacy protection are realized.
Corresponding to the above-mentioned block chain-based policy processing method shown in fig. 1 according to the embodiment of the present invention, the embodiment of the present invention further correspondingly provides a block chain-based policy processing system, as shown in fig. 6, which is applicable to a user node, where the user node is a node on a block chain, and the system includes: contract formation module 61, digital signature module 62, rights determination module 63, acquisition module 64, change module 65, and view module 66.
The contract formation module 61 is used for forming intelligent contracts from the information of the various insurance policies purchased by the user, and creating contract addresses for the intelligent contracts and the pre-created personal accounts.
Wherein, the intelligent contract comprises a transaction abstract, transaction contents and a data signature, and the contract address is used for recording and tracking the detail contents of intelligent contract variation.
The digital signature module 62 is configured to digitally sign the smart contract with the private key of the user, and send the obtained digitally signed smart contract to the distributed network.
The permission determining module 63 is configured to send a contract information checking request to the blockchain, so that other nodes on the blockchain perform identity verification on the user based on the contract information checking request.
And an obtaining module 64, configured to obtain the corresponding digitally signed smart contract in the distributed network after obtaining the verification success information.
The changing module 65 is configured to send a contract information changing request to the blockchain if the digitally signed intelligent contract needs to be changed, enable other nodes on the blockchain to accept according to the contract information changing request, update the first private key signature and the secure digital identity based on the second private key after the acceptance is completed, and send the contract processing result to the distributed network after the digital signature is performed.
The second private key, the first private key signature and the secure digital identity are all pre-generated.
And a viewing module 66, configured to obtain and view the contract processing result.
Optionally, based on the contract forming module 61 shown in fig. 6, in the process that the contract forming module 61 is used to form the smart contract, the contract forming module is further used to:
Generating a first private key and a second private key of a user; based on the first private key and the second private key, adopting an asymmetric algorithm RSA to respectively generate a first public key and a second public key of a user, carrying out hash encryption on the first public key and the second public key, and generating a secure digital identity; uploading the secure digital identity, the first private key signature, the first public key, the second public key and the secure digital identity to the blockchain, so that other nodes on the blockchain bind the first public key, the second public key and the secure digital identity.
Optionally, based on the digital signature module 62 shown in fig. 6, the digital signature module 62 includes:
And the bisection unit is used for bisecting other nodes on the blockchain by adopting a broadcast encryption mode to obtain n subsets.
Where n is a positive integer, each subset is assigned a key.
And the encryption unit is used for selecting the session key, encrypting the session key by using the keys corresponding to the subsets, and encrypting the transaction content by using the session key to obtain an encrypted message.
Wherein the encrypted message includes a broadcast header and a broadcast body.
And the sending unit is used for sending the encrypted message to the distributed network.
Optionally, based on the acquisition module 64 shown in fig. 6, the acquisition module 64 is specifically configured to:
after the verification success information is obtained, obtaining a corresponding encrypted message in the distributed network; searching encrypted data of a set to which a user belongs in a broadcasting head; decrypting the encrypted data by using the private key to obtain a session key; and decrypting the broadcasting body by using the session key to obtain intelligent contract content.
Correspondingly, the altering module 65 is specifically configured to:
And if the intelligent contract content needs to be changed, sending a contract information change request to the blockchain.
It should be noted that, the specific principle and execution process of each module in the block chain-based policy processing system disclosed in the above embodiment of the present invention are the same as those of the block chain-based policy processing method implemented in the above embodiment of the present invention, and reference may be made to corresponding parts in the block chain-based policy processing method disclosed in the above embodiment of the present invention, and no redundant description is given here.
The system is suitable for a user node, wherein the user node is a node on the blockchain, forms an intelligent contract by using information of each policy purchased by a user, and creates a contract address for the intelligent contract and a pre-created personal account, wherein the intelligent contract comprises a transaction abstract, transaction contents and a data signature, and the contract address is used for recording and tracking details of intelligent contract variation; digitally signing the intelligent contract by a private key of a user, and transmitting the obtained digitally signed intelligent contract to a distributed network; sending a contract information checking request to the blockchain, so that other nodes on the blockchain perform identity verification on the user based on the contract information checking request; after the verification success information is obtained, obtaining a corresponding digitally signed intelligent contract in the distributed network; if the digitally signed intelligent contract is required to be changed, sending a contract information change request to the blockchain, enabling other nodes on the blockchain to accept according to the contract information change request, updating a first private key signature and a secure digital identity based on a second private key after the acceptance is completed, and sending a contract processing result to a distributed network after the digital signature is carried out, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance; and acquiring and viewing contract processing results. In the scheme, the intelligent contract is formed by all policy information, contract addresses are created for the intelligent contract and the personal account, the intelligent contract is digitally signed and then sent to the distributed network, clients with different identities view the content of the intelligent contract according to the identity verification condition, so that data synchronization, information symmetry and transparent traceability of information are realized, and the privacy of the clients is protected.
Corresponding to the above-mentioned block chain-based policy processing method shown in fig. 4 according to the embodiment of the present invention, another block chain-based policy processing system is provided according to the embodiment of the present invention, as shown in fig. 7, where the system is applicable to a verification node, and the verification center is a node on the block chain, and the system includes: a first acquisition module 71 and a first binding module 72.
A first obtaining module 71 is configured to obtain a first public key, a second public key and a secure digital identity on a blockchain.
The first public key and the second public key are generated based on a first private key and a second private key of a user generated when the intelligent contract is formed, are respectively generated by adopting an asymmetric algorithm RSA, are uploaded to the blockchain by a user node, and the secure digital identity is obtained by carrying out hash encryption on the first public key and the second public key and is uploaded to the blockchain by the user node.
A first binding module 72 for binding the first public key, the second public key and the secure digital identity.
Optionally, based on the blockchain-based policy processing system shown in fig. 7, in conjunction with fig. 7, the blockchain-based policy processing system further includes a second obtaining module 73, a verification module 74, a first determining module 75, an updating module 76, and a second determining module 77.
A second obtaining module 73, configured to obtain a contract information checking request on the blockchain; based on the contract information checking request, a hash-encrypted public key to be verified, a hash-encrypted second public key, a secure digital identity and a first private key signature which are uploaded to the blockchain by the user node are obtained.
The verification module 74 is configured to verify the hash-encrypted public key to be verified by using the secure digital identity and the first private key signature, execute the first determination module 75 if the verification is passed, and execute the second determination module 77 if the verification is not passed.
A first determining module 75 is configured to determine that the user identity is legal and send authentication success information to the blockchain.
An updating module 76 for updating the first private key signature and the secure digital identity based on the second private key.
A second determining module 77 is configured to determine that the user identity is not legitimate and send verification failure information to the blockchain.
Optionally, based on the blockchain-based policy processing system shown in fig. 7, in conjunction with fig. 7, the blockchain-based policy processing system is further provided with a second binding module 78 and a retrieving module 79.
A second binding module 78, configured to bind the pre-created personal account of the corresponding user with the secure digital identity based on the first public key and the second public key;
the retrieving module 79 is configured to retrieve the personal account based on the second private key signature.
It should be noted that, the specific principle and execution process of each module in the block chain-based policy processing system disclosed in the above embodiment of the present invention are the same as those of the block chain-based policy processing method implemented in the above embodiment of the present invention, and reference may be made to corresponding parts in the block chain-based policy processing method disclosed in the above embodiment of the present invention, and no redundant description is given here.
According to the blockchain-based policy processing system provided by the embodiment of the invention, the first public key, the second public key and the secure digital identity are bound, after the hash encryption to-be-verified public key passes verification, the personal account corresponding to the user and the secure digital identity are bound based on the first public key and the second public key, so that the recovery confirmation of the personal account is realized, the verification security is further enhanced, the data synchronization, the information symmetry, the transparent traceability of the information is ensured, and the privacy of the client is protected.
Corresponding to the above-mentioned blockchain-based policy processing method shown in fig. 5 according to the embodiment of the present invention, the embodiment of the present invention further provides another blockchain-based policy processing system, as shown in fig. 8, which is applicable to an intelligent contract processing node, where the intelligent contract processing node is a node on a blockchain, and the system includes: an acquisition module 81, an acceptance module 82 and an update and transmission module 83.
The obtaining module 81 is configured to obtain a contract information change request on the blockchain.
And the acceptance module 82 is used for acquiring the intelligent contract information which needs to be changed by the user node on the blockchain according to the contract information change request, and accepting the intelligent contract information to obtain a contract processing result.
And the updating and sending module 83 is configured to update the first private key signature and the secure digital identity based on the second private key after the acceptance is completed, and send the digitally signed contract processing result to the distributed network, so that other nodes on the blockchain acquire the contract processing result and view the contract processing result.
The second private key, the first private key signature and the secure digital identity are all pre-generated.
It should be noted that, the specific principle and execution process of each module in the block chain-based policy processing system disclosed in the above embodiment of the present invention are the same as those of the block chain-based policy processing method implemented in the above embodiment of the present invention, and reference may be made to corresponding parts in the block chain-based policy processing method disclosed in the above embodiment of the present invention, and no redundant description is given here.
According to the policy processing method based on the blockchain, firstly, intelligent contract information which needs to be changed by a user node on the blockchain is acquired according to a contract information changing request, then the intelligent contract information is accepted, and the acquired contract processing result is digitally signed and then sent to a distributed network, so that other nodes on the blockchain acquire the contract processing result and view the contract processing result, and further data synchronization, information symmetry, transparent traceability of information and customer privacy protection are realized.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (8)
1. A blockchain-based policy handling method, adapted for use with a user node, the user node being a node on a blockchain, the method comprising:
forming intelligent contracts by using information of all the insurance policies purchased by the user, and creating contract addresses for the intelligent contracts and pre-created personal accounts, wherein the intelligent contracts comprise transaction abstracts, transaction contents and data signatures, and the contract addresses are used for recording and tracking detail contents of intelligent contract variation;
Digitally signing the intelligent contract by the private key of the user, and transmitting the obtained digitally signed intelligent contract to a distributed network;
sending a contract information checking request to the blockchain, so that other nodes on the blockchain can perform identity verification on the user based on the contract information checking request;
after verification success information is obtained, obtaining a corresponding digitally signed intelligent contract in the distributed network;
if the digitally signed intelligent contract is required to be changed, sending a contract information change request to the blockchain, enabling other nodes on the blockchain to accept according to the contract information change request, updating a first private key signature and a secure digital identity based on a second private key after the acceptance is completed, and sending a contract processing result to the distributed network after the digital signature is carried out, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance;
acquiring and checking the contract processing result;
In the smart contract forming process, the method further includes: generating a first private key and a second private key of the user; based on the first private key and the second private key, adopting an asymmetric algorithm RSA to respectively generate a first public key and a second public key of the user, and carrying out hash encryption on the first public key and the second public key to generate a secure digital identity; uploading the secure digital identity, the first private key signature, the first public key, the second public key and the secure digital identity to the blockchain, so that other nodes on the blockchain bind the first public key, the second public key and the secure digital identity.
2. The method of claim 1, wherein said sending the resulting digitally signed smart contract into a distributed network comprises:
Dividing other nodes on the block chain equally by adopting a broadcast encryption mode to obtain n subsets, wherein n is a positive integer, and each subset is allocated with a secret key;
selecting a session key, encrypting the session key by using keys corresponding to the subsets, and encrypting the transaction content by using the session key to obtain an encrypted message, wherein the encrypted message comprises a broadcasting head and a broadcasting body;
And sending the encrypted message to a distributed network.
3. The method according to claim 1 or 2, wherein after obtaining verification success information, obtaining a corresponding digitally signed smart contract in the distributed network comprises:
after the verification success information is obtained, obtaining a corresponding encrypted message in the distributed network;
searching the encrypted data of the set to which the user belongs in the broadcasting head;
decrypting the encrypted data by using a private key to obtain the session key;
decrypting the broadcasting body by using the session key to obtain intelligent contract content;
Correspondingly, if the digitally signed smart contract needs to be changed, sending a contract information change request to the blockchain, including:
and if the intelligent contract content needs to be changed, sending a contract information change request to the blockchain.
4. A blockchain-based policy handling method, adapted for use with a validation node, the validation node being a node on a blockchain, the method comprising:
acquiring a first public key, a second public key and a secure digital identity on the blockchain, wherein the first public key and the second public key are respectively generated by adopting an asymmetric algorithm RSA based on a first private key and a second private key of a user generated when an intelligent contract is formed, and are uploaded to the blockchain by a user node, and the secure digital identity is obtained by carrying out hash encryption on the first public key and the second public key and is uploaded to the blockchain by the user node; the user node for performing the blockchain-based policy processing method of any of claims 1-3;
Binding the first public key, the second public key and the secure digital identity.
5. The method as recited in claim 4, further comprising:
Acquiring a contract information checking request on the blockchain;
based on the contract information checking request, acquiring a hash-encrypted public key to be verified, a hash-encrypted second public key, the secure digital identity and a first private key signature which are uploaded to the blockchain by the user node;
Verifying the hash-encrypted public key to be verified by utilizing the secure digital identity and the first private key signature;
if the verification is passed, determining that the user identity is legal, and sending verification success information to the block chain;
updating the first private key signature and the secure digital identity based on the second private key;
if the verification is not passed, determining that the user identity is illegal, and sending verification failure information to the blockchain.
6. The method as recited in claim 5, further comprising:
binding a pre-created personal account corresponding to the user with the secure digital identity based on the first public key and the second public key;
And retrieving the personal account based on the second private key signature.
7. A blockchain-based policy processing method, adapted for use with an intelligent contract processing node, the intelligent contract processing node being a node on a blockchain, the method comprising:
acquiring a contract information change request on the block chain;
according to the contract information changing request, intelligent contract information which needs to be changed by a user node on a blockchain is obtained, and the intelligent contract information is accepted to obtain a contract processing result; the user node for performing the blockchain-based policy processing method of any of claims 1-3;
After acceptance is completed, updating a first private key signature and a secure digital identity based on a second private key, and sending the contract processing result to a distributed network after digital signature, so that other nodes on the blockchain acquire the contract processing result and view the contract processing result, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance.
8. A blockchain-based policy processing system adapted for use with a user node, the user node being a node on a blockchain, the system comprising:
The contract forming module is used for forming intelligent contracts from the information of all the insurance policies purchased by the user, and creating contract addresses for the intelligent contracts and the pre-created personal accounts, wherein the intelligent contracts comprise transaction abstracts, transaction contents and data signatures, and the contract addresses are used for recording and tracking the detail contents of intelligent contract variation;
the digital signature module is used for digitally signing the intelligent contract through the private key of the user and sending the obtained digitally signed intelligent contract to a distributed network;
the permission determining module is used for sending a contract information checking request to the blockchain so that other nodes on the blockchain can conduct identity verification on the user based on the contract information checking request;
the acquisition module is used for acquiring the corresponding digitally signed intelligent contract in the distributed network after acquiring the verification success information;
The change module is used for sending a contract information change request to the blockchain if the digitally signed intelligent contract needs to be changed, enabling other nodes on the blockchain to accept according to the contract information change request, updating a first private key signature and a secure digital identity based on a second private key after the acceptance is completed, and sending a contract processing result to the distributed network after the contract processing result is digitally signed, wherein the second private key, the first private key signature and the secure digital identity are all generated in advance;
the checking module is used for acquiring the contract processing result and checking;
In the process that the contract forming module is used for forming intelligent contracts, the contract forming module is further used for: generating a first private key and a second private key of the user; based on the first private key and the second private key, adopting an asymmetric algorithm RSA to respectively generate a first public key and a second public key of the user, and carrying out hash encryption on the first public key and the second public key to generate a secure digital identity; uploading the secure digital identity, the first private key signature, the first public key, the second public key and the secure digital identity to the blockchain, so that other nodes on the blockchain bind the first public key, the second public key and the secure digital identity.
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| CN111090888B (en) * | 2020-03-18 | 2020-07-07 | 支付宝(杭州)信息技术有限公司 | Contract verification method and device |
| CN112307125B (en) * | 2020-11-10 | 2024-04-30 | 湖南慧途科技有限公司 | Signing method and device for realizing encrypted electronic contract based on blockchain intelligent contract |
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| CN106919419A (en) * | 2017-02-03 | 2017-07-04 | 中钞信用卡产业发展有限公司北京智能卡技术研究院 | The update method and device of the intelligent contract program on block chain |
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