TW201828211A - System for using smart contracts for insurance claims and method thereof - Google Patents
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一種理賠系統及其方法，特別係指一種使用智能合約進行保險理賠之系統及其方法。A claim system and method thereof, in particular, a system and method for insurance claims using a smart contract.
有鑑於民眾對保險觀念的提升，民眾越來越了解保險的重要性，因此各式各樣的保險需求不斷被提出，以避免在生病或發生意外時龐大的支出造成民眾自身及/或家人之負擔。In view of the increasing public awareness of the concept of insurance, people are increasingly aware of the importance of insurance, so a wide range of insurance needs are constantly being raised to avoid the huge expenditures caused by the people themselves and/or their families in the event of illness or accident. burden.
例如傳統的醫療保險業務運作上，保戶只能在出院後依據單據向保險公司申請理賠金，或是在住院前將初步就診資訊提供給保險公司，由保險公司進行初步審理，並依審理結果作為最終是否進行理賠之依據，保戶也是在出院後才能依據審理結果得到理賠金。For example, in the traditional medical insurance business operation, the policyholder can only apply for the claim payment from the insurance company according to the documents after discharge, or provide the initial medical consultation information to the insurance company before the hospitalization, and the insurance company conducts preliminary trial and judges the result according to the trial. As the basis for whether or not the claim is finally made, the policyholder is also discharged from the hospital before the claim can be awarded according to the trial result.
由此可知，傳統的保險理賠方式在計算理賠金時，需要人力進行審理，同時也需要較長的審理時間。另外，當保戶出院時，保險公司無法即時得知，所以保險公司也無從即時啟動服務，造成保戶出險前需預籌費用的煩惱。It can be seen that the traditional insurance claims method requires manpower to conduct trials when calculating claims, and also requires a long trial time. In addition, when the policyholder is discharged from the hospital, the insurance company cannot know it immediately, so the insurance company can't start the service immediately, which causes the insurer to have the trouble of pre-funding before the insurance.
綜上所述，可知先前技術中長期以來一直存在理賠審理時間過長導致保戶無法即時獲得理賠金的問題，因此有必要提出改進的技術手段，來解決此一問題。In summary, it can be seen that in the prior art, there has been a long-standing problem that the claim processing time is too long, and the policyholder cannot obtain the claim in real time. Therefore, it is necessary to propose an improved technical means to solve the problem.
有鑒於先前技術存在理賠審理時間過長的問題，本發明遂揭露一種使用智能合約進行保險理賠之系統及其方法，其中：In view of the fact that the prior art has a problem that the claim processing time is too long, the present invention discloses a system and method for using the smart contract for insurance claims, wherein:
本發明所揭露之使用智能合約進行保險理賠之系統，應用於區塊鏈網路中，該系統至少包含：保險伺服器，用以產生保險智能合約，及用以發布保險智能合約至區塊鏈中，並取得與保險智能合約對應之保險智能合約地址，及發布該保險智能合約地址至該區塊鏈中，其中，保險智能合約包含理賠帳號、受益帳號、理賠條件、及理賠檢查函式；公證方伺服器，其中更包含合約發布模組與合約執行模組；合約發布模組，用以產生資料智能合約，及發布資料智能合約至區塊鏈中，並取得與資料智能合約對應之資料智能合約地址，及用以傳送資料智能合約地址至保險伺服器，使保險伺服器發布到區塊鏈中之保險智能合約包含資料智能合約地址；合約執行模組，用以取得證據資料，並將證據資料發布到區塊鏈中，藉以使資料智能合約依據保險智能合約地址觸發理賠檢查函式被執行，使得該理賠檢查函式依據證據資料判斷理賠條件是否被滿足，當理賠條件被滿足時，理賠檢查函式取得保險智能合約中之理賠帳號、受益帳號、及與理賠條件對應之理賠金額，並將理賠金額由理賠帳號資訊轉帳至受益帳號，藉以完成理賠程序。The system for using the smart contract for insurance claims disclosed in the present invention is applied to a blockchain network, the system at least comprising: an insurance server for generating an insurance smart contract, and for issuing an insurance smart contract to a blockchain And obtaining an insurance smart contract address corresponding to the insurance smart contract, and issuing the insurance smart contract address to the blockchain, wherein the insurance smart contract includes a claim account, a benefit account, a claim condition, and a claim check function; The notary server, which also includes the contract release module and the contract execution module; the contract release module, which is used to generate the data smart contract, and publish the data smart contract to the blockchain, and obtain the data corresponding to the data smart contract. The smart contract address and the insurance smart contract to transmit the data smart contract address to the insurance server, so that the insurance server publishes the insurance smart contract in the blockchain, including the data smart contract address; the contract execution module, to obtain the evidence, and Evidence data is posted to the blockchain so that the data intelligence contract is triggered based on the insurance smart contract address The compensation check function is executed, so that the claim check function determines whether the claim condition is satisfied according to the evidence data, and when the claim condition is satisfied, the claim check function obtains the claim account, the benefit account, and the claim condition in the insurance smart contract. Corresponding claims amount, and the claim amount is transferred from the claim account information to the benefit account to complete the claim procedure.
本發明所揭露之使用智能合約進行保險理賠之方法，應用於區塊鏈網路中，其步驟至少包括：公證方伺服器產生資料智能合約；公證方伺服器發布資料智能合約至區塊鏈中，並取得與資料智能合約對應之資料智能合約地址；公證方伺服器傳送資料智能合約地址至保險伺服器；保險伺服器產生保險智能合約，保險智能合約包含資料智能合約地址、理賠帳號、受益帳號、理賠條件、及理賠判斷函式；保險伺服器發布保險智能合約至區塊鏈中，並取得該保險智能合約對應之保險智能合約地址；保險伺服器或公證方伺服器發布保險智能合約至區塊鏈中；公證方伺服器取得證據資料，並發布證據資料至區塊鏈中，藉以使資料智能合約依據保險智能合約地址觸發理賠檢查函式被執行；當該理賠檢查函式依據證據資料判斷保險智能合約中之理賠條件被滿足時，由保險智能合約中取得理賠帳號、受益帳號、及與理賠條件對應之理賠金額，並將理賠金額由理賠帳號資訊轉帳至受益帳號，藉以完成理賠作業。The method for using the smart contract for insurance claims disclosed in the present invention is applied to a blockchain network, and the steps thereof at least include: the notary server generates the data smart contract; the notary server issues the data smart contract to the blockchain And obtain the data smart contract address corresponding to the data smart contract; the notary server sends the smart contract address to the insurance server; the insurance server generates the insurance smart contract, and the insurance smart contract includes the data smart contract address, the claim account, the benefit account , claim conditions, and claims judgment function; the insurance server issues the insurance smart contract to the blockchain, and obtains the insurance smart contract address corresponding to the insurance smart contract; the insurance server or the notary server issues the insurance smart contract to the district In the blockchain; the notary server obtains the evidence and publishes the evidence to the blockchain, so that the data smart contract is executed according to the insurance smart contract address triggering the claims check function; when the claim check function is judged based on the evidence data When the claim conditions in the insurance smart contract are satisfied, Smart insurance contract claims made in the account, the account the amount of benefit claims, and the claims correspond to the conditions and the amount of claims by the claims account information to transfer the account to benefit, so as to complete the job claims.
本發明所揭露之系統與方法如上，與先前技術之間的差異在於本發明透過公證方伺服器取得證據資料後，將所取得之證據資料發布到包含資料智能合約的區塊鏈中，使得證據資料透過區塊鏈交易被送入資料智能合約中，藉以讓資料智能合約觸發保險智能合約中的理賠檢查函式被執行，使得保險智能合約中的理賠條件可以依據證據資料被檢查，當理賠條件被滿足時，理賠檢查函式可以由保險智能合約中取得理賠帳號、受益帳號、及理賠金額，並進行轉帳以完成理賠作業，藉以解決先前技術所存在的問題，並可以達成即時完成理賠作業的技術功效。The system and method disclosed in the present invention are as above, and the difference between the prior art and the prior art is that the present invention obtains the evidence data through the notary server and then publishes the obtained evidence data into the blockchain containing the data smart contract, so that the evidence The data is sent to the data smart contract through the blockchain transaction, so that the data smart contract triggers the claims check function in the insurance smart contract to be executed, so that the claim conditions in the insurance smart contract can be checked according to the evidence data, when the claim condition When it is satisfied, the claim check function can obtain the claim account, the benefit account, and the claim amount from the insurance smart contract, and transfer the funds to complete the claim operation, thereby solving the problems existing in the prior art, and can achieve the immediate completion of the claim operation. Technical efficiency.
以下將配合圖式及實施例來詳細說明本發明之特徵與實施方式，內容足以使任何熟習相關技藝者能夠輕易地充分理解本發明解決技術問題所應用的技術手段並據以實施，藉此實現本發明可達成的功效。The features and embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, which are sufficient to enable those skilled in the art to fully understand the technical means to which the present invention solves the technical problems, and The achievable effects of the present invention.
本發明可以讓公證方伺服器將證據資料發布到包含資料智能合約（smart contract）與保險智能合約的區塊鏈（blockchain）中，藉以由資料智能合約觸發保險智能合約中之理賠檢查函式執行，使理賠檢查函式判斷保險智能合約中的理賠條件是否被滿足，當理賠條件被滿足時，理賠檢查函式可以依據保險智能合約自動完成理賠作業。The invention allows the notary server to publish the evidence data to a blockchain containing a smart contract and an insurance smart contract, thereby triggering the claims check function in the insurance smart contract by the data smart contract. , so that the claim checking function judges whether the claim condition in the insurance smart contract is satisfied, and when the claim condition is satisfied, the claim check function can automatically complete the claim operation according to the insurance smart contract.
本發明所提之智能合約（包含保險智能合約以及資料智能合約）為可被電腦執行之程式碼，且對應有一個智能合約地址。本發明所提之智能合約地址（包含與保險智能合約對應的保險智能合約地址以及與資料智能合約對應的資料智能合約地址）為足以讓支援區塊鏈技術的設備或裝置，也就是節點（node），由區塊鏈中取得包含相對應之智能合約的資料，例如，智能合約實體內的某個變數在區塊鏈中之特定區塊（block）中的數值等。The smart contract (including the insurance smart contract and the data smart contract) proposed by the present invention is a code executable by a computer and corresponds to a smart contract address. The smart contract address (including the insurance smart contract address corresponding to the insurance smart contract and the data smart contract address corresponding to the data smart contract) is sufficient for the device or device supporting the blockchain technology, that is, the node (node). ), the data of the corresponding smart contract is obtained from the blockchain, for example, the value of a certain variable in the smart contract entity in a specific block in the blockchain.
以下先以「第1圖」本發明所提之使用智能合約進行保險理賠之系統架構圖來說明本發明的系統運作。如「第1圖」所示，本發明之系統含有保險伺服器110以及公證方伺服器120。其中，保險伺服器110以及公證方伺服器120可以直接或間接與區塊鏈網路連接。Hereinafter, the system operation of the present invention will be described with reference to the system architecture diagram of the insurance claim using the smart contract mentioned in the "Fig. 1". As shown in "FIG. 1", the system of the present invention includes a secure server 110 and a notary server 120. The insurance server 110 and the notary server 120 can be directly or indirectly connected to the blockchain network.
保險伺服器110可以與公證方伺服器120連接。其中，保險伺服器110可以透過乙太網路等有線網路與公證方伺服器120連接，也可以透過WiFi、Zigbee等無線網路與公證方伺服器120連接，本發明並沒有特別的限制。另外，保險伺服器110可以呼叫公證方伺服器120所提供的應用程式介面（Application Programming Interface, API），藉以傳送資料到公證方伺服器120並接收公證方伺服器120所傳回的資料，但保險伺服器110與公證方伺服器120之間傳遞資料的方式並不以上述為限。The insurance server 110 can be connected to the notary server 120. The insurance server 110 can be connected to the notary server 120 through a wired network such as Ethernet, or can be connected to the notary server 120 through a wireless network such as WiFi or Zigbee. The present invention is not particularly limited. In addition, the insurance server 110 can call the application programming interface (API) provided by the notary server 120 to transmit the data to the notary server 120 and receive the information returned by the notary server 120, but The manner in which the information is transmitted between the insurance server 110 and the notary server 120 is not limited to the above.
保險伺服器110負責提供保險智能合約。一般而言，保險伺服器110可以將完成一份保單所需的投保資料加入預先建立的智能合約樣板中，藉以產生保險智能合約。The insurance server 110 is responsible for providing insurance smart contracts. In general, the insurance server 110 can add the insurance information required to complete a policy to a pre-established smart contract template to generate an insurance smart contract.
本發明所提之保險智能合約樣板中包含理賠條件與相對應的理賠內容，另外，本發明所提之投保資料為完成保單所需之投保人與受益人的資料，包含但不限於投保人與受益人的姓名、身分識別資料（如身分證號碼等）、生日、金融帳號資訊等。也就是說，保險伺服器110所產生的保險智能合約中可以包含理賠條件與理賠內容、受益人的姓名、受益人的身份識別資料、受益人的金融帳號資訊（在本發明中亦以「受益帳號資訊」表示）等資料，但本發明並不以此為限。其中，上述之金融帳號資訊可以包含銀行的實體或數位的帳號，也可以包含帳聯網等線上收付的帳號等。在本發明中，投保人之金融帳號資訊所包含的銀行帳號或線上收付帳號被稱為「投保帳號」、受益人之金融帳號資訊所包含的銀行帳號或線上收付帳號被稱為「受益帳號」。The insurance smart contract template proposed by the present invention includes the claim condition and the corresponding claim content. In addition, the insurance information mentioned in the present invention is the information of the policyholder and the beneficiary required to complete the policy, including but not limited to the policyholder and Beneficiary's name, identity identification information (such as ID card number, etc.), birthday, financial account information, etc. That is to say, the insurance smart contract generated by the insurance server 110 may include the claim condition and claim content, the name of the beneficiary, the beneficiary's identification data, and the beneficiary's financial account information (in the present invention, the "beneficiary" The account information "represents" and the like, but the invention is not limited thereto. The financial account information mentioned above may include an entity or a digital account of the bank, and may also include an account for online payment and the like. In the present invention, the bank account number or the online payment account included in the financial account information of the policyholder is referred to as the “insured account number”, and the bank account number or online payment account included in the financial account information of the beneficiary is referred to as “benefit”. account number".
保險伺服器110也負責將所產生的保險智能合約發布到區塊鏈中，藉以產生保單。更詳細的說，保險伺服器110可以產生包含所產生之保險智能合約的區塊鏈交易，並發送所產生之區塊鏈交易至區塊鏈網路中的各個節點（圖中未示），當區塊鏈網路中的驗證節點接收到保險伺服器110所發送的區塊鏈交易後，可以製作包含所接收到之區塊鏈交易中的保險智能合約的區塊，並將所製作的區塊發送到區塊鏈網路中同步。當被發送到區塊鏈網路中的區塊被接受時，被發送到區塊鏈網路中的區塊便會被加入區塊鏈的最末端，如此包含在被發送之區塊中的保險智能合約便被發布到區塊鏈中。其中，本發明所提之發布智能合約（包含保險智能合約與資料智能合約）的區塊鏈可以是公開區塊鏈或私有區塊鏈，但本發明並不以此為限，例如，也可以是帳聯網區塊鏈等。The insurance server 110 is also responsible for issuing the generated insurance smart contract to the blockchain to generate a policy. In more detail, the insurance server 110 can generate a blockchain transaction including the generated insurance smart contract, and send the generated blockchain transaction to each node in the blockchain network (not shown). After the verification node in the blockchain network receives the blockchain transaction sent by the insurance server 110, it can create a block containing the insurance smart contract in the received blockchain transaction, and The block is sent to the blockchain network for synchronization. When the block sent to the blockchain network is accepted, the block sent to the blockchain network is added to the end of the blockchain, so it is included in the block being sent. The insurance smart contract is released into the blockchain. The blockchain for issuing the smart contract (including the insurance smart contract and the data smart contract) mentioned in the present invention may be a public blockchain or a private blockchain, but the invention is not limited thereto, for example, It is the account network blockchain and so on.
保險伺服器110也負責在將保險智能合約發布到區塊鏈中的同時取得與被發布之保險智能合約相對應的保險智能合約地址。其中，保險伺服器110所發布之每一個保險智能合約對應的保險智能合約地址都不相同，也就是說，每一份保單都有一個唯一的保險智能合約地址。The insurance server 110 is also responsible for obtaining the insurance smart contract address corresponding to the issued insurance smart contract while releasing the insurance smart contract into the blockchain. The insurance smart contract address corresponding to each insurance smart contract issued by the insurance server 110 is different, that is, each policy has a unique insurance smart contract address.
保險伺服器110也可以在區塊鏈中設定公證方伺服器120產生之資料智能合約參考所取得之保險智能合約地址，使得公證方伺服器120產生之資料智能合約與所產生之保險智能合約產生關聯。更詳細的說，保險伺服器110可以將所取得之保險智能合約地址發布到區塊鏈中，也就是產生包含所取得之保險智能合約地址的區塊鏈交易，並將所產生之區塊鏈交易發送至區塊鏈網路（由於保險伺服器110將保險智能合約地址發布到區塊鏈中的過程與保險伺服器110將保險智能合約發布到區塊鏈中的過程相同，故在此僅簡述），藉以在區塊鏈中設定公證方伺服器120所產生之資料智能合約參考保險伺服器110所取得之保險智能合約地址。在部分的實施例中，保險伺服器110也可以將所產生的保險智能合約地址傳送到公證方伺服器120。The insurance server 110 can also set the insurance smart contract address obtained by the data smart contract reference generated by the notary server 120 in the blockchain, so that the information smart contract generated by the notary server 120 and the generated insurance smart contract are generated. Association. In more detail, the insurance server 110 can publish the obtained insurance smart contract address into the blockchain, that is, generate a blockchain transaction including the obtained insurance smart contract address, and generate the generated blockchain. The transaction is sent to the blockchain network (since the insurance server 110 issues the insurance smart contract address to the blockchain and the insurance server 110 issues the insurance smart contract to the blockchain, so only Briefly, the information smart contract generated by the notary server 120 is set in the blockchain to refer to the insurance smart contract address obtained by the insurance server 110. In some embodiments, the insurance server 110 may also transmit the generated insurance smart contract address to the notary server 120.
保險伺服器110還可以產生保險標的訊息，並可以將所產生的保險標的訊息傳送到公證方伺服器120。一般而言，保險伺服器110可以依據被購買之保險的類型產生相對應的保險標的訊息。The insurance server 110 can also generate a message of the subject matter of the insurance and can transmit the generated message of the subject matter to the notary server 120. In general, the insurance server 110 can generate a corresponding insurance underlying information based on the type of insurance being purchased.
公證方伺服器120可以提供保險伺服器110連接。一般而言，公證方伺服器120可以透過乙太網路等有線網路與保險伺服器110連接，也可以透過WiFi、Zigbee等無線網路與保險伺服器110連接，但本發明並沒有特別的限制。另外，公證方伺服器120可以提供一個或多個應用程式介面給保險伺服器110呼叫，藉以接收保險伺服器110所傳送的資料並將資料傳送到保險伺服器110，但公證方伺服器120與保險伺服器110之間傳遞資料的方式並不以上述為限。The notary server 120 can provide a secure server 110 connection. Generally, the notary server 120 can be connected to the insurance server 110 through a wired network such as Ethernet, or can be connected to the insurance server 110 through a wireless network such as WiFi or Zigbee, but the present invention is not special. limit. In addition, the notary server 120 can provide one or more application interfaces to call the insurance server 110, thereby receiving the data transmitted by the insurance server 110 and transmitting the data to the insurance server 110, but the notary server 120 and The manner in which the information is transferred between the insurance servers 110 is not limited to the above.
公證方伺服器120負責將證據資料發布至包含資料智能合約的區塊鏈中，藉以觸發保險智能合約中的理賠檢查函式進行保險智能合約中之理賠條件的檢查。其中，公證方伺服器120更可以包含合約發布模組121以及合約執行模組123。The notary server 120 is responsible for issuing the evidence data to the blockchain containing the data smart contract, thereby triggering the claims check function in the insurance smart contract to check the claim conditions in the insurance smart contract. The notary server 120 may further include a contract issuing module 121 and a contract execution module 123.
合約發布模組121負責產生資料智能合約。與保險伺服器110相似的，公證方伺服器120可以依據預先建立的智能合約樣板產生資料智能合約。在部分的實施例中，公證方伺服器120可以預先建立並儲存多個智能合約樣板，並可以接收保險伺服器110所傳送之保險標的訊息，以及選出與所接收到之保險標的訊息相對應的一個智能合約樣板，藉以使用所選出的智能合約樣板產生資料智能合約。The contract issuance module 121 is responsible for generating data smart contracts. Similar to the insurance server 110, the notary server 120 can generate a data smart contract based on a pre-established smart contract template. In some embodiments, the notary server 120 may pre-establish and store a plurality of smart contract templates, and may receive the insurance target information transmitted by the insurance server 110 and select a message corresponding to the received insurance target. A smart contract template to generate a smart data contract using the selected smart contract template.
合約發布模組121也負責將所產生的資料智能合約發布到區塊鏈中，並負責在將資料智能合約發布到區塊鏈中的同時取得與被發布之資料智能合約相對應的資料智能合約地址。其中，合約發布模組121發布資料智能合約至區塊鏈中的過程與保險伺服器110發布保險智能合約至區塊鏈中的過程相同，故不再贅述。The contract release module 121 is also responsible for publishing the generated data smart contract into the blockchain, and is responsible for obtaining the data smart contract corresponding to the published data smart contract while publishing the data smart contract into the blockchain. address. The process in which the contract issuing module 121 issues the data smart contract to the blockchain is the same as the process in which the insurance server 110 issues the insurance smart contract to the blockchain, and therefore will not be described again.
合約發布模組121也負責將所取得之資料智能合約地址傳送到保險伺服器110。合約發布模組121也可以接收保險伺服器110所傳送的保險智能合約地址，並可以將所接收到之保險智能合約地址發布到區塊鏈中，也就是產生包含所接收到之保險智能合約地址的區塊鏈交易，並將所產生的區塊鏈交易送入區塊鏈網路中，使得所產生之資料智能合約與所接收到之保險智能合約地址對應的保險智能合約在區塊鏈中產生關聯。The contract issuance module 121 is also responsible for transmitting the acquired data smart contract address to the insurance server 110. The contract issuing module 121 can also receive the insurance smart contract address transmitted by the insurance server 110, and can issue the received insurance smart contract address to the blockchain, that is, generate the received insurance smart contract address. The blockchain transaction, and the generated blockchain transaction is sent into the blockchain network, so that the generated intelligent contract of the data intelligent contract corresponding to the received insurance smart contract address is in the blockchain. Generate an association.
合約執行模組123負責取得證據資料。合約執行模組123可以透過裝置400取得證據資料，例如連線到特定的伺服器下載證據資料，或是接收特定的客戶端所傳送的證據資料。The contract execution module 123 is responsible for obtaining evidence. The contract execution module 123 can obtain evidence data through the device 400, such as connecting to a specific server to download evidence data, or receiving evidence data transmitted by a specific client.
合約執行模組123可以將所取得的證據資料透過區塊鏈交易送入資料智能合約中，藉以由資料智能合約驅動保險智能合約，使得保險智能合約中的理賠檢查函式被執行。更詳細的說，合約執行模組123可以產生包含所取得之證據資料的更新區塊鏈交易，並負責將所產生的更新區塊鏈交易發送到區塊鏈網路中，藉以將證據資料發布到區塊鏈中，使得區塊鏈中之資料智能合約的資料集合被證據資料更新，進而觸發資料智能合約中的資料轉換函式被執行。資料轉換函式可以將證據資料轉換為一個或多個待檢資料，也可以透過包含資料智能合約之區塊鏈中的保險智能合約地址取得保險智能合約，並將轉換產生的待檢資料作為參數呼叫保險智能合約中的理賠檢查函式。The contract execution module 123 can send the obtained evidence data into the data smart contract through the blockchain transaction, so that the insurance smart contract is driven by the data smart contract, so that the claim check function in the insurance smart contract is executed. In more detail, the contract execution module 123 can generate an updated blockchain transaction containing the obtained evidence data, and is responsible for transmitting the generated updated blockchain transaction to the blockchain network, thereby publishing the evidence data. In the blockchain, the data set of the data smart contract in the blockchain is updated by the evidence data, and the data conversion function in the data smart contract is triggered to be executed. The data conversion function can convert the evidence data into one or more documents to be inspected, or obtain the insurance smart contract through the insurance smart contract address in the blockchain containing the data smart contract, and use the data to be tested generated by the conversion as a parameter. The claims check function in the call insurance smart contract.
當保險智能合約中的理賠檢查函式被資料智能合約的資料轉換函式呼叫後，理賠檢查函式可以將資料轉換函式所傳來的待檢資料帶入保險智能合約中的理賠條件進行檢查，也就是判斷待檢資料是否符合理賠條件，藉以依據待檢資料檢查理賠條件是否被滿足。When the claim check function in the insurance smart contract is called by the data conversion function of the data smart contract, the claim check function can bring the pending data sent by the data conversion function to the claim condition in the insurance smart contract for inspection. That is, it is judged whether the data to be inspected meets the claim condition, thereby checking whether the claim condition is satisfied according to the data to be inspected.
當保險智能合約中的理賠條件被滿足時，理賠檢查函式可以由保險智能合約中讀取出理賠帳號、受益帳號、以及與被滿足之理賠條件對應的理賠金額，並可以將所讀出之理賠金額由所讀出之理賠帳號轉帳至所讀出之受益帳號。在部分的實施例中，理賠帳號與受益帳號可以是帳聯網中的帳號，理賠金額可以透過帳聯網由理賠帳號轉至受益帳號，而在另一部份的實施例中，理賠檢查函式可以透過交易伺服器140將理賠金額由理賠帳號轉至受益帳號。When the claim condition in the insurance smart contract is satisfied, the claim check function can read out the claim account, the benefit account, and the claim amount corresponding to the satisfied claim condition from the insurance smart contract, and can read out the claim. The amount of the claim is transferred from the claim account read out to the benefit account read. In some embodiments, the claim account and the benefit account may be accounts in the account network, and the claim amount may be transferred from the claim account to the benefit account through the account network, and in another embodiment, the claim check function may be The claim amount is transferred from the claim account to the benefit account through the transaction server 140.
理賠檢查函式也可以在完成理賠金額的轉帳後產生相對應的理賠記錄，並將所產生的理賠記錄發布到包含保險智能合約的區塊鏈中，藉以完成理賠程序。其中，理賠檢查函式將所產生的理賠記錄發布到包含保險智能合約的區塊鏈中的過程與保險伺服器110將保險智能合約發布到區塊鏈中的過程相同，故不贅述。The claim check function can also generate a corresponding claim record after completing the transfer of the claim amount, and publish the generated claim record to the blockchain containing the insurance smart contract, thereby completing the claim process. The process in which the claims check function issues the generated claim record to the blockchain including the insurance smart contract is the same as the process in which the insurance server 110 issues the insurance smart contract to the blockchain, and therefore will not be described.
接著以一個實施例來解說本發明的運作系統與方法，並請參照「第2A圖」本發明所提之使用智能合約產生保單之方法流程圖以及「第2B圖」本發明所提之使用智能合約進行保險理賠之方法流程圖。Next, an operation system and method of the present invention will be described with reference to an embodiment, and reference is made to "2A", a flowchart of a method for generating a policy using a smart contract, and a "second FIG. 2B" using the intelligent method of the present invention. A flow chart of the method for contract insurance claims.
若要透過本發明執行理賠作業，保單必須要以智能合約的方式記載。首先，公證方伺服器120的合約發布模組121可以產生資料智能合約（步驟211），以及可以將發布資料智能合約，並取得與資料智能合約對應之資料智能合約地址（步驟215）。在本實施例中，假設合約發布模組121可以接收保險伺服器所傳送的保險標的訊息，並依據所接收到的保險標的訊息由預先建立之多個智能合約範本中選擇一個智能合約範本，以及依據被選擇之智能合約範本產生資料智能合約，接著，合約發布模組121可以透過區塊鏈交易將資料智能合約發布到區塊鏈中，並在將資料智能合約發布到區塊鏈的同時取得與資料智能合約對應之資料智能合約地址。To perform claims operations through the present invention, the policy must be documented as a smart contract. First, the contract issuing module 121 of the notary server 120 can generate a data smart contract (step 211), and can issue a data smart contract and obtain a data smart contract address corresponding to the data smart contract (step 215). In this embodiment, it is assumed that the contract issuing module 121 can receive the information of the insurance target transmitted by the insurance server, and select a smart contract template from a plurality of pre-established smart contract templates according to the received insurance target information, and The data smart contract is generated according to the selected smart contract model. Then, the contract issuing module 121 can publish the data smart contract to the blockchain through the blockchain transaction, and obtain the data smart contract to be released to the blockchain. The smart contract address of the data corresponding to the data smart contract.
另外，保險伺服器110也可以產生保險智能合約（步驟221），以及可以發布保險智能合約到區塊鏈中，並取得與保險智能合約對應之保險智能合約地址（步驟225）。在本實施例中，假設保險伺服器110可以取得投保人預先輸入的投保資料以及保險公司的理賠帳號資訊，並載入智能合約範本，以及將公證方伺服器所取得的資料智能合約地址以及所取得之投保資料與理賠帳號資訊加入智能合約範本中，藉以產生保險智能合約，接著，保險伺服器110可以透過區塊鏈交易將所產生之保險智能合約發布到區塊鏈中，並在將保險智能合約發布到區塊鏈中的同時取得與保險智能合約對應之保險智能合約地址。In addition, the insurance server 110 may also generate an insurance smart contract (step 221), and may issue an insurance smart contract into the blockchain and obtain an insurance smart contract address corresponding to the insurance smart contract (step 225). In this embodiment, it is assumed that the insurance server 110 can obtain the insurance information input by the policyholder and the claim account information of the insurance company, and load the smart contract template, and the smart contract address and the information obtained by the notary server. The acquired insurance information and claims account information are added to the smart contract model to generate an insurance smart contract. Then, the insurance server 110 can issue the generated insurance smart contract to the blockchain through the blockchain transaction, and the insurance will be insured. The smart contract is released into the blockchain and the insurance smart contract address corresponding to the insurance smart contract is obtained.
在保險伺服器110取得與保險智能合約對應之保險智能合約地址後，保險伺服器110所取得之保險智能合約地址可以被加入區塊鏈中（步驟230），藉以設定公證方伺服器120所產生的資料智能合約可以參考到保險伺服器110所取得的保險智能合約地址，如此，便完成以智能合約記載的保單。在本實施例中，保險伺服器110可以將保險智能合約地址發布到區塊鏈中，使得區塊鏈中的資料智能合約可以透過保險智能合約地址與保險智能合約產生關聯。事實上，保險伺服器110也可以將所取得的保險智能合約地址傳送到公證方伺服器120，由公證方伺服器120的合約發布模組121將所接收到的保險智能合約地址發布到區塊鏈中，使得區塊鏈中的資料智能合約可以透過保險智能合約地址與保險智能合約產生關聯。After the insurance server 110 obtains the insurance smart contract address corresponding to the insurance smart contract, the insurance smart contract address obtained by the insurance server 110 can be added to the blockchain (step 230), thereby setting the generated by the notary server 120. The data smart contract can refer to the insurance smart contract address obtained by the insurance server 110, so that the policy recorded in the smart contract is completed. In this embodiment, the insurance server 110 can publish the insurance smart contract address to the blockchain, so that the data smart contract in the blockchain can be associated with the insurance smart contract through the insurance smart contract address. In fact, the insurance server 110 can also transmit the obtained insurance smart contract address to the notary server 120, and the contract issuing module 121 of the notary server 120 issues the received insurance smart contract address to the block. In the chain, the data intelligence contract in the blockchain can be associated with the insurance smart contract through the insurance smart contract address.
在以智能合約記載的保單成立後，公證方伺服器120的合約執行模組123可以取得證據資料（步驟250）。在本實施例中，若保單為意外險的保單，則合約執行模組123可以等待客戶端（裝置400）上傳交通事故鑑定結果等可以作為證據資料的意外鑑定資料；又保單若為醫療險的保單，假設合約執行模組123可以在固定的時間或每隔固定的時間間隔連線至醫療伺服器（圖中未示），並嘗試下載可以作為證據資料的診斷記錄。After the policy written in the smart contract is established, the contract execution module 123 of the notary server 120 can obtain the evidence data (step 250). In this embodiment, if the policy is an accident insurance policy, the contract execution module 123 may wait for the client (device 400) to upload the accident identification data, which may be used as evidence data, and the insurance policy is medical insurance. The policy assumes that the contract execution module 123 can connect to the medical server (not shown) at regular intervals or at regular intervals and attempt to download a diagnostic record that can be used as evidence.
在公證方伺服器120的合約執行模組123取得證據資料（步驟250）後，合約執行模組123可以將所取得的證據資料發布到區塊鏈中，藉以觸發保險智能合約中的理賠檢查函式被執行（步驟260）。在本實施例中，合約執行模組123可以產生包含所取得之證據資料的更新區塊鏈交易，並將所產生的更新區塊鏈交易發送到區塊鏈網路中，藉以將證據資料發布到區塊鏈中，使得資料智能合約的資料內容被證據資料更新，進而觸發資料智能合約中的資料轉換函式執行。資料轉換函式在被執行後，可以依據預定的規則將證據資料轉換為相對應的待檢資料，並依據區塊鏈中的保險智能合約地址取得保險智能合約，以及將轉換產生的待檢資料作為參數呼叫保險智能合約中的理賠檢查函式。After the contract execution module 123 of the notary server 120 obtains the evidence data (step 250), the contract execution module 123 can post the obtained evidence data into the blockchain, thereby triggering the claims check letter in the insurance smart contract. The formula is executed (step 260). In this embodiment, the contract execution module 123 may generate an updated blockchain transaction including the obtained evidence data, and send the generated updated blockchain transaction to the blockchain network to issue the evidence data. In the blockchain, the data content of the data smart contract is updated by the evidence data, thereby triggering the data conversion function execution in the data smart contract. After the data conversion function is executed, the evidence data can be converted into the corresponding data to be inspected according to a predetermined rule, and the insurance smart contract is obtained according to the insurance smart contract address in the blockchain, and the data to be inspected to be converted is obtained. Call the claims check function in the insurance smart contract as a parameter.
在保險智能合約中的理賠檢查函式被執行後，理賠檢查函式可以判斷保險智能合約中的理賠條件是否被滿足（步驟270）。在本實施例中，理賠檢查函式可以將作為參數的待檢資料帶入保險智能合約中的理賠條件中，藉以判斷理賠條件是否被待檢資料滿足。若理賠條件沒有被滿足，則與理賠條件對應的理賠內容將不會被執行。After the claims check function in the insurance smart contract is executed, the claim check function can determine whether the claim condition in the insurance smart contract is satisfied (step 270). In this embodiment, the claim checking function can bring the data to be inspected as a parameter into the claim condition in the insurance smart contract, thereby determining whether the claim condition is satisfied by the data to be checked. If the claim condition is not met, the claim content corresponding to the claim condition will not be executed.
而若理賠檢查函式判斷保險智能合約中的理賠條件被所作為參數的待檢資料滿足，則理賠檢查函式可以由保險智能合約中讀出理賠帳號、受益帳號、以及理賠金額（步驟281），並可以將理賠金額由理賠帳號轉至受益帳號（步驟285）。在本實施例中，假設理賠帳號為保險公司的帳聯網帳號、且受益帳號為受益人的帳聯網帳號，則理賠檢查函式可以透過帳聯網將理賠金額由理賠帳號轉入受益帳號。And if the claim check function determines that the claim condition in the insurance smart contract is satisfied by the data to be checked as the parameter, the claim check function can read the claim account, the benefit account, and the claim amount from the insurance smart contract (step 281). And the claim amount can be transferred from the claim account to the benefit account (step 285). In this embodiment, if the claim account is the account network account of the insurance company and the benefit account is the beneficiary's account network account, the claim check function can transfer the claim amount from the claim account to the benefit account through the account network.
在理賠檢查函式將理賠金額由理賠帳號轉至受益帳號（步驟285）後，理賠檢查函式可以產生相對應的理賠記錄（步驟291），並可以將所產生的理賠記錄發布到區塊鏈中（步驟295）。更詳細的說，理賠檢查函式可以產生包含理賠記錄的區塊鏈交易，並將所產生的區塊鏈交易發送至區塊鏈網路中，藉以將理賠記錄加入包含理賠條件被滿足之保險智能合約的區塊鏈中，如此便可以完成理賠作業。After the claim check function transfers the claim amount from the claim account to the benefit account (step 285), the claim check function can generate a corresponding claim record (step 291), and the generated claim record can be posted to the blockchain. Medium (step 295). In more detail, the claims check function can generate a blockchain transaction including a claim record, and send the generated blockchain transaction to the blockchain network, thereby adding the claim record to the insurance including the claim condition is satisfied. In the blockchain of the smart contract, the claim operation can be completed.
綜上所述，可知本發明與先前技術之間的差異在於具有公證方伺服器取得證據資料後，將所取得之證據資料透過區塊鏈交易送入資料智能合約中，藉以由資料智能合約觸發執行保險智能合約的理賠檢查函式，使得保險智能合約中的理賠條件可以依據證據資料被檢查，當理賠條件被滿足時，理賠檢查函式可以由保險智能合約中取得理賠帳號、受益帳號、及理賠金額，並進行轉帳以完成理賠作業之技術手段，藉由此一技術手段可以解決先前技術所存在理賠審理時間過長的問題，進而達成即時完成理賠作業的技術功效。In summary, it can be seen that the difference between the present invention and the prior art is that after obtaining the evidence data by the notary server, the obtained evidence data is sent into the data smart contract through the blockchain transaction, thereby being triggered by the data smart contract. Execute the claims check function of the insurance smart contract, so that the claim conditions in the insurance smart contract can be checked according to the evidence data. When the claim condition is satisfied, the claim check function can obtain the claim account, the benefit account, and the insurance smart contract. The technical means of claiming the amount and transferring the money to complete the claim operation can solve the problem that the claim period of the prior art is too long, thereby achieving the technical effect of completing the claim operation immediately.
再者，本發明之使用智能合約進行保險理賠之方法，可實現於硬體、軟體或硬體與軟體之組合中，亦可在電腦系統中以集中方式實現或以不同元件散佈於若干互連之電腦系統的分散方式實現。Furthermore, the method of using the smart contract for insurance claims of the present invention can be implemented in hardware, software or a combination of hardware and software, or can be implemented in a centralized manner in a computer system or spread over several interconnections with different components. The decentralized implementation of the computer system.
雖然本發明所揭露之實施方式如上，惟所述之內容並非用以直接限定本發明之專利保護範圍。任何本發明所屬技術領域中具有通常知識者，在不脫離本發明所揭露之精神和範圍的前提下，對本發明之實施的形式上及細節上作些許之更動潤飾，均屬於本發明之專利保護範圍。本發明之專利保護範圍，仍須以所附之申請專利範圍所界定者為準。While the embodiments of the present invention have been described above, the above description is not intended to limit the scope of the invention. Any modification of the form and details of the practice of the present invention, which is a matter of ordinary skill in the art to which the present invention pertains, is a patent protection of the present invention. range. The scope of the invention is to be determined by the scope of the appended claims.
110‧‧‧保險伺服器110‧‧‧ insurance server
120‧‧‧公證方伺服器120‧‧‧Notary server
121‧‧‧合約發布模組121‧‧‧Contract release module
123‧‧‧合約執行模組123‧‧‧Contract execution module
140‧‧‧交易伺服器140‧‧‧Transaction Server
400‧‧‧裝置400‧‧‧ device
步驟211‧‧‧公證方伺服器產生資料智能合約Step 211‧‧‧Notary server generates data intelligence contract
步驟215‧‧‧公證方伺服器發布資料智能合約至區塊鏈中，並取得與資料智能合約對應之資料智能合約地址Step 215‧‧‧ The notary server issues the data smart contract to the blockchain and obtains the data smart contract address corresponding to the data smart contract
步驟221‧‧‧保險伺服器產生保險智能合約Step 221. ‧ Insurance server generates insurance smart contract
步驟225‧‧‧保險伺服器發布保險智能合約至區塊鏈中，並取得與保險智能合約對應之保險智能合約地址Step 225‧‧‧The insurance server issues the insurance smart contract to the blockchain and obtains the insurance smart contract address corresponding to the insurance smart contract
步驟230‧‧‧發布保險智能合約地址至區塊鏈中Step 230‧‧‧ Issue the insurance smart contract address to the blockchain
步驟250‧‧‧公證方伺服器取得證據資料Step 250‧‧‧Notary server obtains evidence
步驟s60‧‧‧公證方伺服器將證據資料發布到區塊鏈中，藉以觸發理賠檢查函式被執行Step s60‧‧‧ The notary server issues the evidence to the blockchain, so that the trigger check function is executed
步驟270‧‧‧理賠檢查函式判斷理賠條件是否被滿足Step 270‧‧‧ Claims check function to determine whether the claim conditions are met
步驟281‧‧‧理賠檢查函式由保險智能合約中取得理賠帳號、受益帳號、及理賠金額Step 281‧‧‧ Claims check function is obtained from the insurance smart contract, the claim account number, the benefit account number, and the claim amount
步驟285‧‧‧理賠檢查函式將理賠金額由理賠帳號轉至受益帳號Step 285‧‧‧ Claims check function transfers the claim amount from the claim account to the benefit account
步驟291‧‧‧理賠檢查函式產生理賠記錄Step 291‧‧ ‧ Claim check function generates claim record
步驟295‧‧‧理賠檢查函式將理賠記錄發布到區塊鏈中Step 295‧‧ ‧ Claim check function publishes the claim record to the blockchain
第1圖為本發明所提之使用智能合約進行保險理賠之系統架構圖。 第2A圖為本發明所提之以智能合約產生保單之方法流程圖。 第2B圖為本發明所提之使用智能合約進行保險理賠之方法流程圖。The first figure is a system architecture diagram of the invention for using the smart contract for insurance claims. Figure 2A is a flow chart of a method for generating a policy by smart contract according to the present invention. FIG. 2B is a flow chart of a method for insurance claims using a smart contract according to the present invention.
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| CN109493236A (en) * | 2018-09-30 | 2019-03-19 | 深圳市元征科技股份有限公司 | Aviation based on block chain technology is delayed dangerous processing method, device and equipment |
| CN110232637A (en) * | 2019-06-11 | 2019-09-13 | 阿里巴巴集团控股有限公司 | Settlement of insurance claim system, method, apparatus and electronic equipment based on block chain |
| CN110889772A (en) * | 2018-11-21 | 2020-03-17 | 腾讯科技（深圳）有限公司 | Policy processing method and device, computer equipment and storage medium |
| TWI721540B (en) * | 2018-11-23 | 2021-03-11 | 開曼群島商創新先進技術有限公司 | Data processing method, device and computer equipment |
| US11086965B2 (en) | 2018-12-28 | 2021-08-10 | Advanced New Technologies Co., Ltd. | Recording ledger data on a blockchain |
| US11288740B2 (en) | 2017-12-29 | 2022-03-29 | Intel Corporation | Securing distributed electronic wallet shares |
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| CN105976231A (en) * | 2016-06-24 | 2016-09-28 | 深圳前海微众银行股份有限公司 | Asset management method based on intelligent block chain contracts and nodes |
| CN106204287A (en) * | 2016-07-18 | 2016-12-07 | 上海仲托网络科技有限公司 | Mutual insurance based on block chain and help each other guarantee operation method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US11288740B2 (en) | 2017-12-29 | 2022-03-29 | Intel Corporation | Securing distributed electronic wallet shares |
| US11386420B2 (en) | 2017-12-29 | 2022-07-12 | Intel Corporation | Contextual authentication of an electronic wallet |
| CN109493236A (en) * | 2018-09-30 | 2019-03-19 | 深圳市元征科技股份有限公司 | Aviation based on block chain technology is delayed dangerous processing method, device and equipment |
| CN110889772A (en) * | 2018-11-21 | 2020-03-17 | 腾讯科技（深圳）有限公司 | Policy processing method and device, computer equipment and storage medium |
| TWI721540B (en) * | 2018-11-23 | 2021-03-11 | 開曼群島商創新先進技術有限公司 | Data processing method, device and computer equipment |
| US11354176B2 (en) | 2018-11-23 | 2022-06-07 | Advanced New Technologies Co., Ltd. | Data computing logic for execution at a data computing node |
| US11086965B2 (en) | 2018-12-28 | 2021-08-10 | Advanced New Technologies Co., Ltd. | Recording ledger data on a blockchain |
| US11275814B2 (en) | 2018-12-28 | 2022-03-15 | Advanced New Technologies Co., Ltd. | Recording ledger data on a blockchain |
| CN110232637A (en) * | 2019-06-11 | 2019-09-13 | 阿里巴巴集团控股有限公司 | Settlement of insurance claim system, method, apparatus and electronic equipment based on block chain |
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