TWI682348B - Insurance service system and method thereof for blockchain-based smart contract - Google Patents

Abstract

This invention provides an insurance service system and a method thereof for a blockchain-based smart contract, wherein a smart contract account is first created to establish a flight delay insurance smart contract which is then written into a blockchain as a copy of the flight delay insurance smart contract. Then, through the insurance company account, according to the insurer's insurance information, the copy of the flight delay insurance smart contract on the blockchain is executed to generate an insured flight delay insurance smart contract which is then written into the blockchain. Then, the insured flight delay insurance smart contract on the blockchain is automatically combined with the flight information. When it is determined that the conditions of claim of loss are met, the insurance company account is notified through the outstanding liquidation account to pay the compensation money to the insurant account in virtual currency.

Description

Blockchain-based smart contract insurance service system and method

This case relates to a blockchain-based smart contract insurance service system and method, and particularly to a blockchain-based smart contract insurance service system and method applied to travel inconvenience insurance.

Block chain (Blockchain or Block Chain) is a series of data blocks that are generated by using cryptographic methods. Each data block contains information about several transactions, which is used to verify the validity of the information (anti-counterfeiting) and generate A section.

Blockchain has been applied to smart contracts, and participants can execute mutually committed agreements on smart contracts. However, for the gold flow operation of both parties in the smart contract, it is still the traditional bank transfer operation. In addition, when applied to travel inconvenience insurance, it is also necessary to manually verify whether the flight information is delayed, and manually review whether the conditions of the insurance are met, etc., resulting in poor insurance and claims efficiency, and the validity of the information is also difficult to verify.

Therefore, the application of blockchain technology to smart contracts for travel inconvenience insurance is still an open issue.

This case provides a blockchain-based smart contract insurance service system, including: creating a smart contract account, establishing a flight delay insurance smart contract, and writing the flight delay insurance smart contract into the blockchain as a flight delay insurance wisdom A copy of the contract; the insurance company’s account is based on the insured’s insurance information and executes a copy of the flight delay insurance smart contract on the blockchain to generate the insured flight delay insurance smart contract and the insured flight delay insurance smart contract Write to the blockchain; and the insurance clearing account, which is to combine the insured flight delay insurance smart contract on the blockchain with the flight information of the flight to determine when the insurance conditions of the insured flight delay insurance smart contract are met, Make the risk settlement account perform performance and liquidation.

In an embodiment, the insurance service system based on the blockchain-based smart contract in this case further includes an insured account, and the virtual currency information in the insured account and the insurance company account is set on the blockchain.

In one embodiment, the risk clearing data and permissions in the risk clearing account are set on the blockchain.

In an embodiment, according to the setting of the insured flight delay insurance smart contract, the insured account automatically pays the insurance premium to the insurance company's account in virtual currency.

In one embodiment, when the risk settlement account performs performance and liquidation, the risk settlement account notifies the insurance company that the account is to pay claims in virtual currency to the insured account.

This case also provides an insurance service method for smart contracts based on blockchain, including: establishing a smart contract for flight delay insurance; delaying the flight The insurance smart contract is written into the blockchain as a copy of the flight delay insurance smart contract; according to the insurance information of the insured, the copy of the flight delay insurance smart contract on the blockchain is executed to generate the insured flight delay insurance smart contract; Write the insured flight delay insurance smart contract into the blockchain; and combine the insured flight delay insurance smart contract on the blockchain with the airline flight information to determine whether the insured flight delay insurance smart contract is reached When risk conditions arise, performance and liquidation are performed.

In an embodiment, the insurance service method based on the blockchain-based smart contract further includes setting virtual currency information of the insured account and the insurance company account on the blockchain.

In an embodiment, the insurance service method based on the blockchain-based smart contract further includes setting insurance clearing data and permissions on the blockchain.

In one embodiment, the insurance service method based on the blockchain-based smart contract further includes automatically paying insurance premiums to the insurance company in virtual currency from the insured account according to the settings of the insured’s flight delay insurance smart contract account.

In an embodiment, the insurance service method based on the blockchain-based smart contract further includes payment of claims to the insured account in virtual currency from the insurance company account when performing performance and liquidation.

As can be seen from the above, this case uses the code written in the blockchain (also known as the smart contract) to execute the flight flight information processing code, and the contract participants (that is, insurance companies and insurers) commit to the agreement on the blockchain smart contract , The smart contract establishes its rights and obligations, the flight information is the value of the processing parameter, and the The contract promise is fulfilled, and the contract promise fulfillment is recorded. In other words, this case applies smart contracts to contract insurance for flight delays. At the beginning, smart contracts are created from accounts on the blockchain. Participants (insurers) are invited to promise to pay the insurance amount. Insured accounts use virtual (digital) currency Transfer the insured amount to the insurance company account. When the insurance company account executes the smart contract, the flight information is one of the processing parameters. If the flight is delayed, the insured account can get a claim. The virtual currency mechanism is used to automatically transfer gold money. The insurance company account transfers the claim amount to the insured account. Therefore, in this case, a decentralized and open decentralized network account book is established, and multi-party agreements are undeniable automated smart contracts for flight information processing, so as to improve efficiency and easily verify the validity of information.

10‧‧‧Blockchain

11‧‧‧ Create smart contract account

12‧‧‧ Insurance company account

13‧‧‧Insured account

14‧‧‧ Risk settlement account

101‧‧‧ Copy of Smart Contract for Flight Delay Insurance

102‧‧‧ Insured flight delay insurance smart contract

S201~S205‧‧‧Step

S301~S304‧‧‧Step

S401~S405‧‧‧Step

S501~S507‧‧‧Step

Figure 1 is a schematic structural diagram of the insurance service system based on the blockchain-based smart contract in this case; Figure 2 is a schematic flowchart of one of the insurance service methods based on the blockchain-based smart contract in this case; Figure 3 is The schematic flowchart of one of the contract creation methods of the insurance service method based on the blockchain-based smart contract in this case; Figure 4 is a schematic flowchart of the insurance method of the insurance service method based on the blockchain-based smart contract in this case; and Figure 5 is a schematic flowchart of one of the insurance methods in the insurance service method diagram of the smart contract based on blockchain in this case.

The following describes the implementation of this case with specific examples, familiar with this Those skilled in the art can easily understand the other advantages and effects of this case by the contents disclosed in this article. The structure, ratio, size, etc. shown in the drawings in this specification are only used to match the contents disclosed in the specification, for those familiar with this skill to understand and read, and are not used to limit the restrictive conditions that can be implemented in this case. Therefore, any modification, alteration or adjustment should still fall within the scope of the technical content disclosed in this case, without affecting the efficacy and purpose achieved in this case.

The first thing to note is that the blockchain smart contract is a code that can be distributed on the blockchain. When the smart contract is executed, the communication with the outside world is divided into transactions and events; when the blockchain smart contract is executed, the value and event can be transmitted as the drive Smart contract parameters; and smart contract execution results, outgoing transaction values and events. It can also be said that the sector chain is a decentralized ledger. Therefore, in this case, a decentralized and open decentralized blockchain network account book was established, and multi-party agreements are undeniable smart contracts for flight flight information processing; flight flight delays are automatically executed with blockchain smart contracts and use virtual currency Automatic transfer of insurance and insurance claims flow.

Referring to Figure 1, the insurance service system of smart contract based on blockchain in this case includes the creation of smart contract account 11, insurance company account 12, insured account 13 and risk settlement account 14.

Creating a smart contract account 11 can establish a flight delay insurance smart contract and write the flight delay insurance smart contract into the blockchain 10 as a copy 101 of the flight delay insurance smart contract. In addition, through the account management function of the flight delay insurance smart contract, virtual currency information of insurance companies (insurance company accounts 12) and banks (insurer accounts 13) can be opened. Insurance company account The user 12 can execute the flight delay insurance smart contract copy 101 on the blockchain 10 according to the insurance information of the insured to generate the insured flight delay insurance smart contract 102, and write the insured flight delay insurance smart contract 102 to the block Chain 10. In addition, according to the setting of the insured flight delay insurance smart contract 102, the insured account 13 automatically pays the insurance premium to the insurance company account 12 in virtual currency. In an embodiment, the insurance company account 12 may establish corresponding insured flight delay insurance smart contracts with multiple insured accounts 13. The insured flight delay insurance smart contract 102 on the blockchain 10 can automatically integrate the flight information, and when it is judged that the insured flight delay insurance smart contract 102 has reached the risk conditions, the risk clearing account 14 performs the performance and liquidation, that is, notification The insurance company account 12 pays claims to the insured account 13 in virtual currency. In addition, the risk clearing data and authority of the risk clearing account 14 can be set on the blockchain 10.

Referring to Figure 2, the insurance service method of smart contract based on blockchain in this case includes the following steps.

Step S201: establish a flight delay insurance smart contract; step S202: write the flight delay insurance smart contract into the blockchain as a copy of the flight delay insurance smart contract, in which the flight delay insurance smart contract can be used in the block Set the virtual currency information of the insured account and insurance company account on the chain, and also set the risk settlement data and permissions on the blockchain; Step S203: Perform the flight delay insurance on the blockchain based on the insured's insurance information A copy of the smart contract to generate an insured flight delay insurance smart contract, in which, according to the insured flight delay insurance smart contract The contract is set, and the insurer's account automatically pays the insurance premium to the insurance company's account in virtual currency; step S204: write the insurer's flight delay insurance smart contract into the blockchain; and step S205: from the blockchain The insured flight delay insurance smart contract combines the flight information of the airline to judge the fulfillment of the insured flight delay insurance smart contract when performing the performance and liquidation, that is, the insurance company account will pay the claim to the insured in virtual currency account.

Furthermore, the insurance service method of smart contracts based on blockchain in this case can be roughly divided into three processes, including the creation of smart contracts, insurance and insurance.

Create a smart contract: The smart contract regulates the outgoing, transfer, return, claim flight delay judgment, claim scope, claim amount specification, risk exclusion and other related items that can be executed by the code during the entire journey of the flight. Create a smart contract for flight delay insurance to be written into the blockchain as a copy of the smart contract for flight delay insurance. In addition, the blockchain gold flow needs to first open the contract accounts of insurance companies, insurers and banks by the account management function of the flight delay insurance smart contract in order to add, transfer and exchange virtual currencies.

Insured: When the insured account is insured, this case can provide a copy of the flight delay insurance smart contract for the insured to refer to, and execute it after confirmation. The case receives the filled-in insurance-related information. The insured account will be automatically transferred to the insurance company account to complete the contract commitment and the contract will continue to be executed. Among them, the insurance premium at the time of insurance can be paid by virtual currency pre-stored in the insured account.

Risks: All smart contracts insured are executed by the risk clearing account. The smart contract automatically reads the flight information of the airline, and the risk clearing account has the right to clear the smart contract. The comparison process will be performed according to the conditions of the copy of the smart contract. Insured, the insurance company account will initiate the transfer of virtual currency to the virtual currency of the insured account, that is, complete the contract process; if it does not meet the insurance rules, end the contract process.

As shown in Figure 3, it is the process of creating a smart contract. The main purpose is to create a smart contract and related account and establish a flight delay insurance smart contract. Initially, a smart contract account is created to create a flight delay insurance smart contract, as shown in step S301. Write the smart contract into the blockchain as a copy of the flight delay smart contract, as shown in step S302. The establishment data of the smart contract is mainly specifications: outgoing, transfer, and return of the entire journey of the flight, judgment of claim flight delay, claim scope, claim amount specification, risk exclusion and other related items that can be executed by the code. In addition, as shown in step S304, the virtual currency information of insurance companies and banks is opened through the account management function of the smart contract, and the smart contract account of the insurance company and bank is established to facilitate the subsequent addition, transfer, exchange, etc. of the virtual currency operation. Furthermore, as shown in step S303, the risk clearing account information and authority are set, and when the smart contract performance conditions are established, the risk clearing account is responsible for the execution of the performance. In addition, the virtual currency replenishment or exchange process of the smart contract in this case: the value-added operation is the bank’s virtual currency storage value of the insured (insured) through the exclusive account of the smart contract. The bank can propose according to the insured (insured) Request to transfer the equivalent virtual currency from its physical account or bonus points to its smart contract account.

As shown in Figure 4, it is the insurance process for smart contracts. When the insured account is insured, the insurance company receives the insured information of the insured account, as shown in step S401. Then, as shown in step S402, process the insurance policy related information filled in by the insured, and execute a copy of the flight delay insurance smart contract. Next, as shown in step S403, an insured flight delay insurance smart contract that establishes an insured account is created, and then the insured flight delay insurance smart contract is written into the blockchain so that multiple parties can view it. As shown in step S404, the insurance premium will be paid by the virtual currency in the insured account, and the events set in the smart contract will be automatically transferred from the insured account to the insurance company account. Finally, as shown in step S405, the contract execution status is set. If the insured's account is successfully deducted, the contract promise is completed, and the contract becomes effective and continues to be executed. If the deduction fails, the contract is not established.

As shown in Figure 5, this is the insurance process of the smart contract performance of the present invention, and the insurance clearing account is mainly used for the execution of the clearing of each insured smart contract. As shown in step S501, the flight flight information is automatically read to combine with the insured flight delay insurance smart contract, wherein the flight flight data is real-time information obtained through a third party. As shown in step S502, the flight data confirmation 404 is performed. If the event of the smart contract has not yet reached the activation, if the flight has not landed or taken off, the data confirmation cannot be performed yet, and the operation of reading the flight flight data will continue until the reading Get the complete information about the departure and landing of the smart contract flight. Next, as shown in step S503, a flight comparison operation is performed to determine whether the flight take-off and landing information meets the smart contract insurance claim risk conditions. If the event condition of the smart contract is reached, as shown in step S506, the insurance company account is transferred to the insured account, and the risk settlement account will notify the The insurer’s insurance company transfers the insurance claims to the insured account, where the claims are paid by the insurance company’s contract account for virtual currency transfer to the insurer in real time. If a more rigorous claims process verification is required, the insurance clearing account will be notified The insured provides proof of boarding information, such as a boarding pass image file, which is transmitted via email or GUI interface, so as to graphically identify the flight certification data provided by the insured, so as to determine that the insured does indeed have a flight After the fact, the action of the insurance company transferring the funds to the insured's account can save the manual review process, so the contract process is completed, and the smart contract is set to end, as shown in step S507. If the insurance rules are not met, the contract process is also completed, and the smart contract end status is set. As shown in step S505, the non-compliant insurance rules here are the normal flight take-off and landing time, the flight delay time does not reach the smart contract claim rules, or the insurance The boarding certificate information provided by the applicant does not match.

In summary, this case uses the gold flow operation technology of virtual (digital) currency transfer, and each transaction record is in the blockchain ledger, so it can achieve decentralized management and improve the efficiency of insurance and claims settlement . In addition, the case provides graphical identification of flight certification information, eliminating the need for manual review process, that is, it is applied to the situation about whether the claim is established and whether the user has actual boarding information. The establishment of the contract and the execution of the claims conditions in this case are generated automatically, without the need for users to provide paper certification information. In addition, the contract content, external flight information import and transfer events in this case are all registered on the blockchain, so it has an undeniable mechanism. Furthermore, this case can improve efficiency and easily verify the validity of information.

The above embodiments are only illustrative of the effectiveness of this case, not for limitation In this case, anyone who is familiar with this skill can modify and change the above-mentioned implementations without departing from the spirit and scope of this case. Therefore, the scope of protection of rights in this case should be as listed in the scope of patent application mentioned later.

10‧‧‧Blockchain

11‧‧‧ Create smart contract account

12‧‧‧ Insurance company account

13‧‧‧Insured account

14‧‧‧ Risk settlement account

101‧‧‧ Copy of Smart Contract for Flight Delay Insurance

102‧‧‧ Insured flight delay insurance smart contract

Claims (10)

A blockchain-based smart contract insurance service system includes: creating a smart contract account, establishing a flight delay insurance smart contract, and writing the flight delay insurance smart contract into the blockchain as a flight delay insurance smart contract Copy; the insurance company account is based on the insurance information of the insured, executes a copy of the flight delay insurance smart contract on the blockchain to generate the insured flight delay insurance smart contract, and writes the insured flight delay insurance smart contract Into the blockchain; and the insurance clearing account, which is after the insured flight delay insurance smart contract is written into the blockchain to read the flight flight information to perform flight comparison operations, and the insured on the blockchain The flight delay insurance smart contract combines the flight information of the flight to determine the fulfillment and liquidation of the insurance clearing account when judging that the insured’s flight delay insurance smart contract’s risk conditions are met. The insurance service system as described in item 1 of the patent application scope further includes an insured account, and the virtual currency information in the insured account and the insurance company account is set on the blockchain. According to the insurance service system described in item 2 of the patent application scope, according to the setting of the insured flight delay insurance smart contract, the insured account automatically pays the insurance premium to the insurer's account in virtual currency. The insurance service system as described in item 2 of the scope of patent application, in which the risk settlement account is used by the risk settlement account when performing performance and liquidation Notify the insurance company's account to pay claims in virtual currency to the insured's account. The insurance service system as described in item 1 of the patent application scope, in which the risk settlement information and authority in the risk settlement account are set on the blockchain. A blockchain-based smart contract insurance service method includes the following steps: establishing a flight delay insurance smart contract; writing the flight delay insurance smart contract into the blockchain as a copy of the flight delay insurance smart contract; according to the insured Insured information, execute a copy of the flight delay insurance smart contract on the blockchain to generate an insured flight delay insurance smart contract; write the insured flight delay insurance smart contract to the blockchain; on the insured flight After the delayed insurance smart contract is written into the blockchain, the flight flight information is read to perform the flight comparison operation; and the insured flight delay insurance smart contract on the blockchain is combined with the flight flight information for judgment The performance and liquidation of the insured’s flight delay insurance smart contract will be fulfilled when the insured’s conditions are met. The insurance service method as described in item 6 of the patent application scope further includes: setting virtual currency information of the insured account and insurance company account on the blockchain. If the insurance service method described in item 7 of the patent application scope is further included Including: According to the setting of the insured flight delay insurance smart contract, the insured account will automatically pay the insurance premium to the insurance company account in virtual currency. The insurance service method as described in item 7 of the patent application scope further includes: when performing performance and liquidation, the insurance company's account shall pay claims in virtual currency to the insured's account. The insurance service method as described in item 6 of the scope of patent application further includes: setting insurance risk clearing data and authority on the blockchain.

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