JP2020091515A - Method, computer, system and program for implementing P2P insurance - Google Patents

Abstract

To implement a P2P insurance using a smart contract based on a block chain technique.SOLUTION: A computer includes a step that receives a participation application to an insurance group of a user, a step that stores information that identifies the user as a participant of the insurance group, a step that determines whether the insurance group is established, and a step that, when determining that the insurance group is established, generates a transaction that generates a smart contract for implementing a P2P insurance in the insurance group, and transmits the transaction to at least one computer serving as a block chain node. The smart contract for implementing the P2P insurance in the insurance group includes information that identifies each of the plurality of users stored as the participant of the insurance group.SELECTED DRAWING: Figure 7

Description

The present invention relates to implementing P2P insurance. More specifically, the present invention relates to implementing P2P insurance in combination with existing insurance.

Application of smart contracts based on blockchain technology to insurance is under consideration. Also, the introduction of blockchain technology to P2P insurance is under consideration. P2P insurance is a mechanism similar to insurance in which an online network, which is a group of individuals, is created by utilizing social media and the risk is shared by members of the network (group). (For example, see Non-Patent Document 1.)

Maho Uchida, "Use of Blockchain Technology in Insurance Business-Direction and Challenges of Development-", March 30, 2018, Sompo Japan Nipponkoa Research Institute, Inc., [Search August 17, 2018], Internet <URL: http://www.sjnk-ri.co.jp/issue/quarterly/data/qt72-4.pdf>

However, the above non-patent document does not disclose how the P2P insurance is specifically realized by using the smart contract based on the blockchain technology.

Further, there is not yet a system that makes it possible to carry out P2P insurance using a smart contract based on blockchain technology in combination with existing insurance provided by an insurance company.

The present invention has been made in view of the above points.
At least one of the objects of the present invention is to implement P2P insurance using smart contracts based on blockchain technology.

At least one of the objects of the present invention is to implement P2P insurance by using a smart contract based on blockchain technology in combination with conventional insurance provided by an insurance company.

According to one embodiment of the present invention, the computer receives information for identifying the user as a participant of the insurance group based on the step of receiving the user's application for participation in the insurance group, based on the received application for participation. Storing, determining whether the insurance group is established, and, if determining that the insurance group is established, a transaction for generating a smart contract for implementing P2P insurance in the insurance group And sending the transaction to at least one computer that functions as a blockchain node. The smart contract for implementing P2P insurance in the insurance group includes information that identifies each user among the plurality of users stored as participants in the insurance group.

In one embodiment, the method comprises a smart contract for implementing P2P insurance in the insurance group when the computer is instructed to collect premiums for P2P insurance implemented in the insurance group. The method may further include the step of generating a transaction instructing execution of the portion for collecting insurance premiums and transmitting the transaction to at least one computer functioning as a blockchain node. Here, the portion for collecting the insurance premium is based on information identifying each user included in the smart contract for implementing the P2P insurance in the insurance group to the computer functioning as a blockchain node, At least generating a transaction from each user's account to a specific account for sending virtual currency in an amount equivalent to a premium of P2P insurance carried out in the insurance group, and at least functioning as a blockchain node. It may cause the step of transmitting to one computer to be executed.

In an embodiment method, the transaction for sending virtual currency may direct execution of a portion of the smart contract for sending virtual currency. Here, the part for sending virtual currency is a step of reducing the amount of virtual currency stored in association with the sender account by the amount of transfer to a computer functioning as a blockchain node, and a recipient account. And a step of increasing the amount of virtual currency stored in association with the amount of the remittance amount.

One embodiment is a method for implementing P2P insurance in an insurance group when the computer is instructed to cash back at least a portion of a premium of P2P insurance implemented in the insurance group. The method may further include the step of generating a transaction instructing execution of a portion of the smart contract of the present invention for cashback and transmitting the transaction to at least one computer that functions as a blockchain node. Here, the part for cashing back is based on information specifying each user included in a smart contract for carrying out P2P insurance in the insurance group, in the computer functioning as a blockchain node, based on the identification. From the account, each user's account is made to perform a step of generating a transaction for remitting a predetermined amount of virtual currency as cashback, and transmitting the transaction to at least one computer functioning as a blockchain node. You can

In an embodiment, the method comprises a smart contract for implementing P2P insurance in the insurance group when the computer is instructed to pay a claiming user for P2P insurance implemented in the insurance group. The method may further include the step of generating a transaction instructing execution of a portion of the insurance payment to send to at least one computer that functions as a block tune node. Here, the part for paying the insurance money is a step of determining to the computer functioning as a blockchain node whether the amount of virtual currency held by the specific account is equal to or more than the amount of virtual currency of the insurance money to be paid. And when it is determined that the amount of virtual currency held by the specific account is equal to or larger than the amount of insurance money to be paid in virtual currency, it corresponds to the insurance money to be paid from the specific account to the billing user's account. Generating a transaction for remitting an amount of virtual currency, and transmitting the transaction to at least one computer functioning as a blockchain node, and the amount of virtual currency held by the specific account is insurance to be paid. If it does not determine that the amount of money is greater than or equal to the amount in the virtual currency, it generates a transaction indicating that the insurance money to be paid is insufficient and sends the transaction to at least one computer that functions as a blockchain node. The steps to be performed and the steps to be performed may be performed. The method also includes the steps of: the computer determining whether a transaction representing insufficient insurance payable has been performed on at least one computer acting as a blockchain node; If it is determined that the transaction indicating the shortage has been executed in at least one computer functioning as a blockchain node, the method may further include performing a predetermined process.

In the method of an embodiment, the step of determining whether the amount of virtual currency held by the specific account is equal to or larger than the amount of insurance money to be paid in virtual currency is held by a designated account of the smart contract. The step of performing a portion for referencing the amount of virtual currency may be included. Here, the portion for referring to the amount of virtual currency held by the designated account is stored in the computer functioning as a blockchain node in association with the designated account as the amount of virtual currency held by the designated account. The step of acquiring the amount of the virtual currency being executed may be executed.

In one embodiment of the method, the transaction denoting a lack of insurance payments may cause a computer acting as a blockchain node to perform a step of storing certain information as an event. .. Here, the step of determining whether or not a transaction indicating that the insurance money to be paid is insufficient has been executed in at least one computer functioning as a blockchain node is the blockchain by using the predetermined information as an event. • Can include determining if stored on at least one computer that functions as a node.

The method, which is an embodiment, comprises the step of the computer receiving information about existing insurance to be registered for the user, the information including an insurance company implementing the existing insurance; , A transaction instructing execution of a portion for registering information about existing insurance, generating a transaction including the received information, and transmitting the transaction to at least one computer functioning as a blockchain node And steps. Here, regarding the user, the part for registering the information about the existing insurance is included in the transaction for instructing the computer functioning as a blockchain node to execute the part for registering the information about the existing insurance. The step of storing the information about the existing insurance to be registered in association with the user may be executed. Further, the step of performing a predetermined process is executed by at least one computer functioning as a block chain node, of a part of the smart contract for referring to information about existing insurance registered for a designated user. Through the step of specifying an insurance company registered for the billing user, and notifying the system of the specified insurance company that the insurance money to be paid should be compensated.

In the method according to the embodiment, the information about the existing insurance to be registered for the user may further include a premium of the existing insurance. Here, the method comprises a transaction in which the computer directs execution of a portion of a smart contract for implementing P2P insurance in the insurance group, for distributing virtual currency to participants of the insurance group. It may further include the step of generating and sending the transaction to at least one computer that functions as a blockchain node. In addition, the portion for distributing virtual currency to the participants of the insurance group includes a computer functioning as a blockchain node for each user included in a smart contract for implementing P2P insurance in the insurance group. A step of performing based on the identifying information, wherein the smart contract is a participant of the insurance group by executing the part of the smart contract for referring to the information about the existing insurance registered for the specified user. Obtaining the amount of existing insurance premiums registered for each user, and distributing to each user who is a participant of the insurance group an amount of virtual currency according to the amount of existing insurance premiums acquired Generating a transaction to do so and sending the transaction to at least one computer functioning as a blockchain node.

According to an embodiment of the present invention, receiving a user's application for participation in an insurance group, and storing information identifying the user as a participant of the insurance group based on the received application for participation. And a step of determining whether the insurance group is established, and generating a transaction for generating a smart contract for implementing P2P insurance in the insurance group when determining that the insurance group is established. And sending the transaction to at least one computer functioning as a blockchain node. Here, the smart contract for implementing P2P insurance in the insurance group includes information that identifies each user among the plurality of users stored as participants in the insurance group.

When receiving an instruction to collect a premium for P2P insurance carried out in the insurance group, the computer according to the embodiment is one of smart contracts for carrying out P2P insurance in the insurance group. The step of generating a transaction directing the execution of the portion for collecting and sending it to at least one computer acting as a blockchain node may be further performed. Here, the portion for collecting the insurance premium is based on information identifying each user included in the smart contract for implementing the P2P insurance in the insurance group to the computer functioning as a blockchain node, At least generating a transaction from each user's account to a specific account for sending virtual currency in an amount equivalent to a premium of P2P insurance carried out in the insurance group, and at least functioning as a blockchain node. It may cause the step of transmitting to one computer to be executed.

In one embodiment of a computer, a transaction for sending virtual currency may direct execution of a portion of a smart contract for sending virtual currency. Here, the part for sending virtual currency is a step of reducing the amount of virtual currency stored in association with the sender account by the amount of transfer to a computer functioning as a blockchain node, and a recipient account. And a step of increasing the amount of virtual currency stored in association with the amount of the remittance amount.

A computer, which is an embodiment, is configured to execute a smart card for executing P2P insurance in the insurance group when receiving an instruction to cash back at least a part of a premium of P2P insurance executed in the insurance group. The step of generating a transaction directing execution of the portion of the contract for cashback and sending it to at least one computer acting as a blockchain node may be further performed. Here, the part for cashing back is based on information specifying each user included in a smart contract for carrying out P2P insurance in the insurance group, in the computer functioning as a blockchain node, based on the identification. From the account, each user's account is made to perform a step of generating a transaction for remitting a predetermined amount of virtual currency as cashback, and transmitting the transaction to at least one computer functioning as a blockchain node. You can

According to one embodiment of the present invention, there is provided a system that includes, as a first computer, the above computer that is one embodiment of the present invention and a second computer. Here, the first computer, of the smart contracts for implementing the P2P insurance in the insurance group, when instructed to pay the claim user the insurance money of the P2P insurance implemented in the insurance group, The step of generating a transaction instructing the execution of the portion for paying a claim and sending it to at least one computer acting as a block tune node may be further carried out. Further, the part for paying the insurance money includes a step of determining to a computer functioning as a blockchain node whether the amount of virtual currency held by the specific account is equal to or more than the amount of virtual currency of the insurance money to be paid. If the amount of virtual currency held by the specific account is equal to or larger than the amount of insurance money to be paid in virtual currency, it corresponds to the insurance money to be paid from the specific account to the billing user's account. Generating a transaction for sending a virtual currency of an amount and sending the transaction to at least one computer functioning as a blockchain node; and the amount of virtual currency held by the particular account is the insurance money to pay. Generate a transaction indicating that there is a shortage of insurance money to be paid, and send the transaction to at least one computer that functions as a blockchain node, if it is not determined to be equal to or more than the amount in the virtual currency of And the steps may be performed. Further, the second computer determines whether the transaction indicating that the insurance payment to be paid is insufficient has been executed on at least one computer that functions as a blockchain node, and the insurance payment to be paid is insufficient. Performing a predetermined process when it is determined that the transaction indicating that the transaction has been executed in at least one computer that functions as a blockchain node.

In the system of one embodiment, the step of determining whether the amount of virtual currency held by the specific account is equal to or more than the amount of insurance money to be paid in virtual currency is held by a designated account of the smart contract. The step of performing a portion for referencing the amount of virtual currency may be included. Here, the portion for referring to the amount of virtual currency held by the designated account is stored in the computer functioning as a blockchain node in association with the designated account as the amount of virtual currency held by the designated account. The step of acquiring the amount of the virtual currency being executed may be executed.

In one embodiment of the system, the transaction indicating a lack of insurance payments may cause a computer acting as a blockchain node to perform a step of storing certain information as an event. .. Here, the step of determining whether or not a transaction indicating that the insurance money to be paid is insufficient has been executed in at least one computer functioning as a blockchain node is the blockchain by using the predetermined information as an event. • Can include determining if stored on at least one computer that functions as a node.

In a system that is an embodiment, the first computer receives information about existing insurance to be registered for the user, the information including an insurance company that provides the existing insurance, and the smart contract. Among these, a transaction for instructing execution of a portion for registering information about existing insurance, generating a transaction including the received information, and transmitting the transaction to at least one computer that functions as a blockchain node. The step of sending can be further performed. Here, regarding the user, the part for registering the information about the existing insurance is included in the transaction for instructing the computer functioning as a blockchain node to execute the part for registering the information about the existing insurance. The step of storing the information about the existing insurance to be registered in association with the user may be executed. Further, the step of performing a predetermined process is executed by at least one computer functioning as a block chain node, of a part of the smart contract for referring to information about existing insurance registered for a designated user. Through the step of specifying an insurance company registered for the billing user, and notifying the system of the specified insurance company that the insurance money to be paid should be compensated.

In the system which is one embodiment, the above-mentioned information about the existing insurance which should be registered about a user may further include the insurance premium of the existing insurance concerned. Here, the first computer generates a transaction instructing execution of a portion of a smart contract for implementing P2P insurance in the insurance group, for distributing virtual currency to participants of the insurance group. The step of sending the transaction to at least one computer functioning as a blockchain node may be further performed. In addition, the portion for distributing virtual currency to the participants of the insurance group includes a computer functioning as a blockchain node for each user included in a smart contract for implementing P2P insurance in the insurance group. A step of performing based on the identifying information, wherein the smart contract is a participant of the insurance group by executing the part of the smart contract for referring to the information about the existing insurance registered for the specified user. Obtaining the amount of existing insurance premiums registered for each user, and distributing to each user who is a participant of the insurance group an amount of virtual currency according to the amount of existing insurance premiums acquired Generating a transaction to do so and sending the transaction to at least one computer functioning as a blockchain node.

According to one embodiment of the present invention, there is provided a program for causing a computer to execute the above-described method which is one embodiment of the present invention.

1 illustrates a schematic configuration of an exemplary system according to an embodiment of the present invention. It shows an exemplary screen for inputting information about existing insurance. It shows an example screen for registering information about existing insurance. The exemplary screen in which a list of at least a part of the insurance groups currently created is described. 6 illustrates an exemplary screen for joining an insurance group. It shows an exemplary screen for creating an insurance group. The example screen for confirming the various information regarding the user who participated in the insurance group is shown. 6 is a flowchart of an example insurance information registration process. 9 is a flowchart of an exemplary insurance group creation process. 9 is a flowchart of an exemplary insurance group participation and establishment process. It is a part of the flowchart of an example periodic process. It is a part of the flowchart of an example periodic process. It is a part of the flowchart of an example insurance premium collection process. It is a part of the flowchart of an example insurance premium collection process. 6 is a flowchart of an exemplary cashback process. It is a part of the flowchart of an example insurance payment process. It is a part of the flowchart of an example insurance payment process. It is a part of the flowchart of an example insurance payment process. It shows an example of a hardware configuration of a computer.

Hereinafter, a system according to an embodiment of the present invention will be described with reference to the drawings. However, it should be noted that the following description is merely exemplary, and thus embodiments of the present invention are not limited to those described below.

1 Outline of System FIG. 1 shows a schematic configuration of an exemplary system 100 according to an embodiment of the present invention. The system 100 is a group (hereinafter referred to as "insurance") formed by subscribers or prospective subscribers (hereinafter referred to as "members") of existing insurance (hereinafter referred to as "existing insurance") implemented by an insurance company. Group)) to implement P2P insurance.

110A to 110C indicate terminals used by users of the system 100. Although only three terminals are shown in FIG. 1, the number of terminals used by the user of the system 100 may be one or more. The users of the system 100 include subscribers, an insurance company that provides existing insurance, and an insurance intermediary company that mediates between the subscribers and the insurance company. The subscribers and the insurance intermediary company may be the creator of the insurance group. Terminals 110A-110C are any type of computer such as desktop computers, laptop computers, tablets, smartphones and the like. Hereinafter, it is assumed that each of the terminals 110A to 110C is a terminal used by an insurance company and an insurance intermediary company such as a subscriber. Therefore, the terminal 110B may be part of a system (not shown) managed by the insurance company, and the terminal 110C may be part of a system managed by the insurance intermediary company. Further, hereinafter, the terminals 110A to 110C are also collectively referred to as "terminal 110".

A gateway 120 communicates with the terminal 110, the P2P insurance enforcement processing database 130, and the blockchain node group 140 (more specifically, at least one of the blockchain nodes included in the blockchain node group 140). Is shown. Although only one gateway 120 is shown in this figure, the number of gateways 120 may be one or more. The gateway 120 is any type of computer.

130 indicates a database that communicates with the gateway 120. Although only one database 130 is shown in this figure, the number of databases 130 may be one or more. The database 130 is any type of computer having at least database function. The database 130 can store any information required in the system 100.

140 indicates a blockchain node group that communicates with the gateway 120, and 140A to 140D indicate each blockchain node included in the blockchain node group 140. In FIG. 1, only four blockchain nodes included in the blockchain node group 140 are shown, but the number of blockchain nodes included in the blockchain node group 140 is an arbitrary number of 1 or more. Well, preferably any number greater than or equal to 4. The blockchain nodes 140A-140D are any type of computer having at least the ability to implement blockchain technology and smart contracts based on that technology.

At least one of the terminal 110, the gateway 120, the database 130, and each blockchain node included in the blockchain node group 140 operates not on one physical computer but on one physical computer. Note that it can be one of one or more virtual computers that The function as one or both of the gateway 120 and the database 130 may be included in one physical or virtual computer as one blockchain node included in the blockchain node group 140. Good.

Further, between the terminal 110 and the gateway 120, between the gateway 120 and the database 130, between the gateway 120 and the blockchain node group 140, and between each blockchain node included in the blockchain node group 140. , There may be one or more networks (not shown), including the Internet.

2 Screen Displayed in System 100 2-1 Insurance Registration Screen According to the system 100, existing insurance subscribers and the like can participate in one or more insurance groups.

FIG. 2A shows an exemplary screen 200 for inputting information about existing insurance required for a subscriber or the like to join the insurance group in order to register the information in the system 100. This existing insurance may be already subscribed by the subscriber or the like, or may be subscribed. The example screen 200 is a screen when the pet insurance is subscribed as an example of existing insurance. The example screen 200 is intended to be displayed on the terminal 110A.

Reference numeral 205 denotes a component for inputting by selecting a pet category that is the target of the existing insurance. In this screen, "dog" among "dog", "cat", "bird" and "other" is input.

Reference numeral 210 denotes a component for inputting by selecting the size of the pet that is the target of the existing insurance. On this screen, "small" of "large", "medium" and "small" is entered.

Reference numeral 215 indicates a component for inputting an insurance company that carries out the existing insurance. Reference numeral 215A denotes a component for displaying a list of insurance companies by tapping or the like. By selecting an insurance company from the displayed list of insurance companies, the insurance company is input as the insurance company. It is displayed in the component 215. In this figure, "pet insurance company 1" is entered as the insurance company. Note that the insurance companies that can be input are those that have consented to combining existing insurance with P2P insurance by the system 100.

Reference numeral 220 indicates a component for inputting a monthly insurance premium of the existing insurance. Alternatively, the component 220 may calculate the insurance calculated based on predetermined information from the insurance company (for example, a mathematical formula for calculating the insurance premium) according to the input in the component 215 and the P2P insurance implementation processing components 225, 230, and 235. The fee may be automatically displayed. The amount of the insurance premium input or displayed in the component 220 may be the amount in legal currency (Japanese yen, etc.).

Reference numeral 225 indicates a component for inputting the pet breed that is the target of the existing insurance. Reference numeral 225A denotes a component for displaying a list of product types by tapping or the like. By selecting a product type from the displayed product list, the product type is displayed on the component 225 as the product type. It It should be noted that this list may be updated in response to inputs at components 205 and 210. In this figure, "Chihuahua" is input as the product type.

Reference numeral 230 denotes a component for inputting the age of the pet that is the target of the existing insurance. Reference numeral 230A denotes a component for displaying a list of ages by tapping or the like, and by selecting an age from the displayed list of ages, the age is displayed in the component 230 as the input age. It In this figure, "1" is entered as the age.

Reference numeral 235 denotes a component for inputting a special provision added to the existing insurance. Reference numeral 235A indicates a component for displaying a list of special contracts by tapping or the like. By selecting a special contract from the displayed list of special contracts, the special contract is displayed in the component 235 as a special contract input. It In this figure, "none" is entered because no special contract is added.

Reference numeral 240 denotes a component for registering the input information about the existing insurance in the system 100, and a screen for registering the input information is displayed by tapping or the like.

The information described above is an example, and the information on existing insurance is not limited to this. For example, the information about the existing insurance may be only a part of the information described above, or may further include the weight of the pet, a medical history, and other information. In addition, it is preferable that the information about the existing insurance that is input is sufficient for the insurance company to specify the contract for the existing insurance from the information.

FIG. 2B shows an exemplary screen 250 for registering the input information about the existing insurance. The example screen 250 is intended to be displayed on the terminal 110A.
Reference numeral 255 denotes a component for confirming the input information about the existing insurance.

Reference numeral 260 denotes a component for redoing input when the information shown in the component 255 is incorrect, and the exemplary screen 200 may be displayed again by tapping or the like.

265 indicates a component for displaying an insurance risk score of a subscriber or the like. The insurance risk score is a numerical value of insurance payment risk for subscribers and the like, which is quantified by a predetermined method. Since a conventional method of calculating the insurance risk score may be used, the description thereof will be omitted. Further, the insurance risk score may be obtained by an insurance company by an arbitrary method, or may be calculated based on the input information about the existing insurance.

Reference numeral 270 indicates a component for performing registration of information about existing insurance such as a subscriber with the system 100. By tapping the component 270 or the like, the input information about the existing insurance is transmitted to the gateway 120. The insurance risk score calculated on the terminal 110A side may be transmitted to the gateway 120 as information about the existing insurance to be registered. After transmitting the input information to the gateway 120, a P2P insurance implementation processing group matching screen can be displayed.

2-2 Group Matching Screen FIG. 3A shows an exemplary screen 300 in which a list of at least a part of currently created insurance groups is described. In this figure, the list of insurance groups is shown in the form of a table, the first row of the table shows the label of each column, and each row from the second row to the last row corresponds to each insurance group. The exemplary screen 300 is intended to be displayed on the terminal 110A.

Reference numeral 305 indicates a component for joining an insurance group. By tapping on one of the components 305, a screen for joining the corresponding insurance group is displayed.

FIG. 3B shows an exemplary screen 350 for joining an insurance group. The example screen 350 is intended to be displayed on the terminal 110A.
Reference numerals 355, 360 and 365 denote components indicating the participation conditions of the insurance group. Reference numerals 355A, 360A, and 365A indicate components that indicate whether or not the subscriber or the like satisfies the participation condition of the insurance group based on the information about the existing insurance of the subscriber or the like. In this figure, three conditions are shown as conditions of the insurance group, and a check mark indicating that the subscriber or the like meets the conditions is displayed.

Reference numeral 370 denotes a component for applying for participation in the insurance group, and by tapping or the like, information indicating an application for participation in the insurance group by a subscriber or the like is transmitted to the gateway 120. Note that the component 370 may be configured so that the subscriber or the like can tap or the like only when all the participation conditions of the insurance group are satisfied.

Reference numeral 375 denotes a component for displaying a list of at least a part of currently planned insurance groups, and the exemplary screen 300 may be displayed again by tapping or the like.

2-3 Insurance Group Creation Screen FIG. 3C shows an exemplary screen 380 for creating an insurance group. Note that the exemplary image 380 is for recruiting, for example, existing insurance members who are pet insurance as participants of the insurance group. Further, the example screen 380 is intended to be displayed on the terminals 110A and 110C.

Reference numeral 382 denotes a component for inputting by selecting the category of the pet that is the target of the existing insurance as a condition for participating in the insurance group.
Reference numeral 384 denotes a component for inputting the breed of the pet subject to the existing insurance as a condition for participating in the insurance group. Reference numeral 384A denotes a component for displaying a list of product types by tapping or the like, and by selecting a product type from the displayed product type list, the product type is displayed in the component 384 as the product type input. It It should be noted that this list may be updated in response to input at component 382.

Reference numerals 386 and 388 denote components for inputting the name of the insurance group and a description of the insurance group.
Reference numeral 390 denotes a component for inputting an insurance premium standard of existing insurance (hereinafter referred to as “standard insurance premium”) as a condition for participating in the insurance group.

Reference numeral 392 indicates a component for inputting the minimum number of participants as a condition for establishing the insurance group, which will be described later.
Reference numeral 394 denotes a component for inputting a cashback rate described later.

Reference numeral 396 denotes a component for creating a group based on the input information, and the information is transmitted to the gateway 120 by tapping or the like.
2-4 Information Confirmation Screen FIG. 4 shows an exemplary screen 400 for confirming various kinds of information regarding a user who participates in a certain insurance group (which is also a subscriber of some existing insurance). The user's name in this figure is "Frank". In addition, this figure shows the case where the participating insurance group is established and the corresponding P2P insurance is implemented.

410 shows information about the insurance group in which the user participated.
The "Your Group" column shows the name of the insurance group.
The “Group size” column shows the current number of participants in the insurance group and the maximum number of participants. In this figure, the maximum number of participants in the insurance group is 5. Yes, the current number of participants is five.

The “current pool money” column shows the amount of pool money currently held by the insurance group. The pool money is used for payment of insurance money for the insurance group. Pool money increases and decreases depending on various events. Further, it is preferable that the pool money is held in a virtual currency realized by a smart contract based on blockchain technology. In this figure, the amount of virtual money is displayed as the amount of pool money. Hereinafter, the virtual currency is assumed to be a unit called “token”.

The “Next pool deposit amount” column indicates the amount that must be paid as pool deposits to the insurance group at the next pool deposit event, that is, the amount of P2P insurance premiums to be implemented in the insurance group. Shows. In this figure, the amount in virtual currency is displayed as the next pool deposit amount.

420 indicates information about the user.
The column of “virtual currency balance” shows the amount of virtual currency currently held by the user. The virtual currency held by the user also increases/decreases due to various events.

The “insurance premium” column shows the amount of insurance premium of the existing insurance that the user has subscribed to. In this figure, the amount in legal currency is displayed as the amount of the insurance premium.
The column of "insurance company" shows the insurance company which the user is implementing the existing insurance.

The “insurance outline content” column shows an outline of the existing insurance that the user has subscribed to.
The “risk score” indicates the insurance risk score of the user in the existing insurance that the user has subscribed to.

Reference numeral 430 indicates the history of various events that have occurred. The list of various events that have occurred in this figure is shown in the form of a table, the first row of the table shows the label of each column, and each row from the second row to the last row corresponds to each event. The "amount" column in this figure shows the amount in virtual currency. Also note that for illustration purposes, only some events are shown in this figure.

The event in which the column of "#" is "1" indicates that the virtual currency of 3000 tokens has been remitted to the user. By this remittance, the virtual currency held by the user will increase by 3000 tokens.

The event in which the column of "#" is "2" indicates that the user has sent 2000 tokens of virtual currency as insurance premium to the insurance group. The sent virtual currency is pooled as pool money. By this remittance, the virtual currency held by the user is reduced by 2000Token, and the virtual currency held by the insurance group as the pool money is increased by 2000Token.

The event in which the column of "#" is "3" indicates that the virtual currency of 600 Token has been remitted from the insurance group to the user as cashback of the insurance premium. Cash back is performed when the insurance money for the insurance group is not claimed within a predetermined period set by the insurance group.

3 Processing executed in the system 100 In the processing executed in the system 100, a general program includes a terminal 110, a gateway 120, a database 130, and a blockchain node included in the blockchain node group 140. At least one of the processes is executed, and a smart contract which is a kind of program includes a process executed by each blockchain node included in the blockchain node group 140.

3-1 Basic Mechanism for Smart Contract The basic mechanism for smart contract based on blockchain technology will be described below. In the following description, the technology based on Ethereum is assumed as the blockchain technology implemented by the blockchain node, and the matters in Ethereum may be applied to the matters not described. However, it should be noted that the blockchain technology implemented by the blockchain node is not limited to this.

Blockchain nodes store so-called blockchains. The block chain is composed of a plurality of blocks, and each block has only one parent block except the first block (for example, Genesis block).

Each block may contain a smart contract. The smart contract can define at least a process to be executed by the blockchain node and information (for example, states and events) to be stored by the blockchain node. A smart contract may also include one or more parts (eg, functions), each defining a process to perform. The process to be executed includes a process of storing the content of information to be newly stored, a process of updating the content of information to be stored, and a process of returning the content of information to be stored in response to a request. be able to.

Each block depends on the information uniquely determined according to what the parent block contains (for example, the hash value of the parent block), and the content of the information that the blockchain node should store at the time when the block is generated. Information that is uniquely determined by a certain block (for example, a state route or a receipt route), which is included in any block from a certain block to the first block, and the time when that block is generated. Falsification of the contents of information to be stored in the computer has caused a contradiction.

Upon receiving the transaction, the blockchain node verifies the validity of the transaction. This transaction can include a transaction for generating a smart contract (including the smart contract itself) and a transaction for executing the process defined in the smart contract part (parameters related to the process). ) And can be included. Upon successful validation of the transaction, the blockchain node forwards the transaction, or the valid transaction, to at least one other blockchain node. It should be noted that the blockchain node may itself generate a valid transaction and forward it to at least one other blockchain node. Further, the processing defined in the smart contract part may be executed without a transaction (for example, via a call method).

The blockchain node attempts to create a block containing valid transactions. In this attempt, if the transaction is to generate a smart contract, then the smart contract's account and its address (eg, Contract Account (CA) and its address) are generated to generate the smart contract. Associate with a contract. Further, in this trial, if the transaction is for executing the process defined in the smart contract part, the blockchain node executes the process. If the block is successfully created, the blockchain node adds the block to the blockchain it stores and transfers it to at least one other blockchain node. When the block is successfully generated, the blockchain node stores the updated content of the information when the process of updating the content of the information to be stored in the trial of generating the block is executed. The block is generated by using a method (for example, proof of work, proof of stake, and various consensus forming algorithms) that succeeds when solving a problem that is computationally difficult. ..

Upon receiving the block, the blockchain node verifies the validity of the block. In this verification, if the block includes a transaction for executing the process defined in the smart contract part, the blockchain node executes the process. Upon successful validation of the block, the blockchain node adds the block to the blockchain it stores and transfers it to at least one other blockchain node. When the block validity verification is successful, the blockchain node stores the updated information content when the processing for updating the content of the information to be stored in the block validity verification is executed. ..

With the mechanism described above, the process defined in the smart contract portion is executed in each block chain node included in the block chain node group 140, and the content of information is stored.

3-2 Insurance Information Registration Processing The insurance information registration processing is processing for registering information about existing insurance so that subscribers can join the insurance group. FIG. 5 is a flowchart of an exemplary insurance information registration process 500.

Reference numeral 510 denotes a step in which the terminal 110A displays a screen for inputting information about existing insurance, for example, the exemplary screen 200.
Reference numeral 520 denotes a step in which the terminal 110A receives input of information about existing insurance.

Reference numeral 530 denotes a step in which the terminal 110A displays a screen for registering the input information about the existing insurance, for example, the exemplary screen 250.
Reference numeral 540 denotes a step in which the terminal 110A transmits the input information about the existing insurance to the gateway 120. In this step, the terminal 110A may transmit the information for identifying the subscriber or the like, and the insurance risk score or the like of the subscriber or the like as a part of the information about the existing insurance when calculated on the side of the terminal 110A. it can.

550 is a smart contract (hereinafter, referred to as “insurance information contract”) for managing information about existing insurance when the gateway 120 receives information about existing insurance, for example. The step of generating a transaction (hereinafter, referred to as "insurance information registration transaction") for executing a part (hereinafter, referred to as "insurance information registration function") corresponding to a process of registering information is shown. The insurance information registration transaction is
The address of the insurance brokerage account as the sender,
The address of the insurance information contract account as the destination,
As a parameter
Information identifying the insurance information registration function (for example, the first 4 bytes of the hash value of the function),
The information about the existing insurance received may be included, but the information included in the insurance information registration transaction is not limited thereto. The “account” is given to each entity (subscriber, insurance company, insurance intermediary company, and smart contract) in the blockchain technology implemented by the blockchain node group 140, and the “address” is , Which is assigned to each “account” in the blockchain technology, and can be used as one of the information for specifying the “account” and the subject to which the “account” is given. These points are the same in the following description.

560 represents the step by which the gateway 120 sends the insurance information registration transaction to at least one blockchain node of the blockchain node group 140.

570 indicates the steps performed by each blockchain node by executing the insurance information registration function according to the mechanism described above, based on the transaction sent in step 560.

Reference numeral 575 denotes a step included in step 570, which is a step of storing the information about the existing insurance included in the insurance information registration transaction in association with the subscriber or the like specified by the information included in the transaction. ..

The insurance information contract may include a portion (hereinafter, referred to as "insurance information reference function") corresponding to a process of referring to information about insurance registered for a designated subscriber or the like. The terminal 110 or the gateway 120 calls the insurance information reference function by using the information for identifying the subscriber or the like, that is, by executing the insurance information reference function in at least one block chain included in the block chain node group 140, the subscriber etc. It is possible to obtain information about existing insurance stored in association with.

In addition, the information about existing insurance to be registered differs depending on the type of existing insurance. For example, the information to be registered may be different between pet insurance and household property insurance. Therefore, the insurance information contract may exist for each type of existing insurance.

3-3 Insurance Group Creation Process The insurance group creation process is a process for creating a new insurance group. FIG. 6 is a flowchart of an exemplary insurance group creation process 600. Although the terminal 110 in this figure is intended to be the terminal 110A or 110C, the computer functioning as the terminal 110 is not limited to these.

Reference numeral 610 denotes a step in which the terminal 110 displays a screen for creating an insurance group, for example, the exemplary screen 380.
Reference numeral 620 denotes a step in which the terminal 110 receives information about the insurance group to be created.

Reference numeral 630 denotes a step in which the terminal 110 transmits the input information about the insurance group to the gateway 120.
640 shows the step in which the gateway 120 stores the received information about the insurance group. Information about insurance groups may be stored in database 130. An insurance group in which information is stored and which is not established as described later may be treated as a currently created insurance group.

3-4 Insurance Group Participation and Establishment Process The insurance group participation process is a process for participants to join the insurance group. The insurance group establishment process is a process for starting the implementation of P2P insurance in the insurance group. FIG. 7 is a flowchart of an exemplary insurance group participation and establishment process 700 as a series of flows.

Reference numerals 710 and 720 denote a step for the terminal 110A to display a screen on which a list of at least a part of currently planned insurance groups, for example, an exemplary screen 300 is displayed, and to join the insurance group. The step of displaying a screen, for example, an example screen 350 is shown. One or both of steps 710 and 720 may include retrieving information about stored insurance groups from gateway 120.

Reference numeral 730 denotes a step in which the terminal 110A transmits an application for participation of the subscriber or the like to the insurance group to the gateway 120. The participation application can include information that identifies the subscriber and the like and information that identifies the insurance group.

Reference numeral 740 denotes a step in which, when the gateway 120 receives an application for participation in an insurance group such as a subscriber, for example, it acquires information about the insurance group specified by the information included in the received participation application. This information can be obtained from the database 120.

Reference numeral 750 denotes a step in which the gateway 120 stores information that identifies the subscriber or the like as a participant of the insurance group.
Reference numeral 760 denotes a step in which the gateway 120 determines whether the insurance group has been established. If it is determined that the condition is satisfied, the process proceeds to step 770, and if not, the process ends. The condition for the insurance group to be established may be, for example, that the current number of participants in the insurance group is equal to or more than the minimum number of participants that can be defined for each insurance group. However, the conditions for establishing the insurance group are not limited to this.

770 is a transaction (hereinafter, referred to as “insurance group contract”) for generating a smart contract for implementing the insurance group in order to start implementation of P2P insurance in the insurance group. "Insurance group contract generation transaction"). The insurance group contract generation transaction is
The address of the insurance brokerage account as the sender,
As a parameter, it is possible to include a program in a format executable on a blockchain node that represents various processes for implementing the insurance group, but the information included in the insurance group contract generation transaction is limited to these. It is not done. Information about the insurance group may be defined or hard-coded in the program. Here, the information about the insurance group may include information that specifies the accounts of a plurality of participants of the insurance group, information that specifies the cashback amount described later (for example, cashback rate), and the like. In general, the transaction for creating a smart contract need not include destination information.

780 shows the gateway 120 sending the insurance group contract generation transaction to at least one blockchain node of the blockchain nodes 140. Step 780 may include a step of notifying a system managed by an insurance company of the existing insurance to which each participant of the insurance group has joined, for example, the terminal 110B, to the effect that the insurance group has been established. By this notification, the insurance intermediary company and the insurance company can make an arrangement in advance that the stop/loss insurance contract will be established. Note that stop loss insurance in the system 100 is, as will be described later, when the pool money of the insurance group is less than the insurance money of the P2P insurance, the insurance company of the existing insurance compensates the insurance money of the P2P insurance. Insurance.

Reference numeral 790 denotes a process in which a certain blockchain node generates an insurance group contract based on the transaction transmitted in step 780 by the mechanism described above. It should be noted that this process includes a step 795 of generating an account of the insurance group contract and its address, and since the generated address is stored in the block chain, the terminal 110 and the gateway 120 have the insurance group contract of the insurance group contract concerned. It is possible to get the account address from the blockchain.

3-5 P2P Insurance Implementation Processing The P2P insurance implementation processing is various processing for implementing P2P insurance in the established insurance group.

3-5-1 Periodic processing Periodic processing is processing that is executed on a regular basis, because participants of the insurance group automatically pay virtual currency as insurance premiums for P2P insurance implemented in the insurance group. Including processing. In addition, in the regular processing, participants of the insurance group receive virtual currency that can be used for payment of insurance premiums for P2P insurance carried out in the insurance group based on the existing insurance to which the participant belongs. Processing can be included. Further, the regular processing may include processing for controlling the end of the implementation of P2P insurance implemented in the insurance group. 8A and 8B are a flow chart of an exemplary periodic process 800.

Reference numeral 810 denotes a step in which the terminal 110C determines whether to start regular processing for P2P insurance carried out in a certain insurance group. The terminal 110C can determine that the regular processing should be started immediately after the insurance group is established. In addition, the terminal 110C can determine that the regular process should be started when the first predetermined period (for example, one month) has elapsed since the step 810 was last executed. The first predetermined period may be predetermined for each insurance group. If it is determined that the regular process should be started, the process proceeds to step 820, and if not, the process repeats step 810. It should be noted that the terminal 110C can determine that the regular processing should be started only when an insurance claim has not yet been made for the P2P insurance implemented in the insurance group.

Reference numeral 820 denotes a step in which the terminal 110C determines whether to start the final periodic process. The terminal 110C can determine that the last regular processing should be started when the second predetermined period (for example, half a year) has passed since the insurance group was established. The second predetermined period may be predetermined for each insurance group. If it is determined that the final periodic processing should be started, the processing proceeds to step 860, and if not, the processing proceeds to step 830.

Reference numeral 830 denotes a step in which the terminal 110C instructs the gateway 120 to collect the insurance premium of P2P insurance carried out in the insurance group. This indication may include information identifying the corresponding insurance group contract.

Reference numeral 840 is a transaction (hereinafter, referred to as “insurance”) in which the gateway 120 executes a portion (hereinafter, referred to as “insurance fee collection function”) corresponding to the insurance fee collection processing in the insurance group contract specified by the received instruction. Charge collection transaction”). The insurance collection transaction
The account address of the insurance intermediary company as the sender,
The address of the insurance group contract account as the destination,
The parameter may include information specifying a premium collection function, but the information included in the premium collection transaction is not limited to these.

At 845, the gateway 120 sends the premium collection transaction to at least one blockchain node of the blockchain nodes 140.

850 shows the steps performed by each blockchain node by executing a premium collection function according to the mechanism described above, based on the premium collection transaction. Details of this step will be described later.

Reference numeral 860 denotes a step in which the terminal 110C instructs the gateway 120 to cash back at least a part of the premium paid for the P2P insurance carried out in the insurance group in order to terminate the insurance group. ing. This indication may include information identifying the corresponding insurance group contract.

Reference numeral 870 denotes a transaction (hereinafter, referred to as “cashback function”) in which the gateway 120 executes a portion (hereinafter, referred to as “cashback function”) corresponding to cashback processing in the insurance group contract specified by the received instruction. "Transaction"). Cashback transactions are
The address of the insurance brokerage account as the sender,
The address of the insurance group contract account as the destination,
Information that specifies the cashback function can be included as a parameter, but the information included in the cashback transaction is not limited to these.

At 875, the gateway 120 sends the cashback transaction to at least one blockchain node of the blockchain nodes 140.

880 indicates the steps performed by each blockchain node by executing the cashback function according to the mechanism described above, based on the transaction sent in step 875. Details of this step will be described later.

3-5-2 Insurance premium collection process The insurance premium collection process is a process executed by each blockchain node in step 850. 9A and 9B are a flowchart of an exemplary insurance premium collection process 900. The blockchain node A and the blockchain node B in this figure may be the same blockchain node or different blockchain nodes.

910 shows the step of selecting one of the participants of the corresponding insurance group defined during insurance group contract generation. As mentioned above, the insurance group contract may previously contain information identifying the accounts of the participants of the insurance group.

920 calls the insurance information reference function of the insurance information contract by using the information that identifies the selected participant (hereinafter, referred to as “selected user”), thereby insuring the insurance of the existing insurance that the selected user has subscribed to. It shows the steps to get the amount of the fee. The amount of this insurance premium may be an amount corresponding to the first predetermined period (for example, a monthly amount).

Reference numeral 940 represents a step of generating a transaction for distributing virtual currency in an amount corresponding to the amount of the insurance premium of the existing insurance (hereinafter, referred to as “virtual currency distribution transaction”) to the selected user. The amount of virtual currency corresponding to the amount of the insurance premium of the existing insurance may be the amount of virtual currency equivalent to the total amount of the insurance premium of the existing insurance, or the amount of the virtual insurance corresponding to the predetermined percentage It may be the amount of the corresponding virtual currency. In the system 100, the amount of virtual currency held by each account can be managed by a smart contract (hereinafter referred to as “token contract”) for managing virtual currency. Therefore, the virtual currency distribution transaction is
The address of the insurance brokerage account as the sender,
The address of the token contract account as the destination,
As a parameter
Information for identifying a part of the token contract that corresponds to the virtual currency distribution process (hereinafter referred to as "virtual currency distribution function"),
Information that identifies selected users as distribution destinations,
The distribution amount may include the amount of virtual currency corresponding to the amount of the insurance premium of the existing insurance, but the information included in the virtual currency distribution transaction is not limited to these.

950 shows the steps of sending a cryptocurrency distribution transaction to at least one other blockchain node and/or executing a cryptocurrency distribution function according to the mechanism described above. ..

In the example process 900, steps 940 and 950, that is, the generation and transmission of the virtual currency distribution transaction are executed as part of the insurance premium collection process. However, the generation and transmission of the virtual currency distribution transaction is performed as the insurance premium collection process. May be independently executed at different timing.

Step 950 can include the following steps 952 and 954. The execution order of steps 952 and 954 is not limited to that described below.
Reference numeral 952 represents a step of storing the virtual currency distribution. In this step, the blockchain node
Information showing the distribution of virtual currency,
Information that identifies a given account (for example, a token contract account) as a distributor,
Information that identifies the account of the user selected as the distribution destination,
Distribution amount,
A given tag (eg, "Pay"),
It may be a step of storing a predetermined message (for example, “Insurance premium payment/Token receive”) as an event, but the information stored as an event is not limited to these. The information stored as an event will be referred to as an "event log" below.

Reference numeral 954 denotes a step of increasing the amount of virtual currency stored in association with the selected user's account by the distribution amount. If the amount of virtual currency associated with the account is not yet stored, the amount of distribution amount may be newly stored as the amount. Further, this step may include a step of reducing the amount of virtual currency stored in association with the specific account by the distribution amount. In the system 100, the amount of virtual currency stored in association with an account is regarded as the amount of virtual currency held by the account.

Reference numeral 960 represents a step of generating a transaction (hereinafter, referred to as “insurance premium reception transaction”) for receiving the payment of the insurance premium of P2P insurance carried out in the insurance group from the selected user. This transaction is
The address of the insurance group contract account as the sender,
The address of the token contract account as the destination,
As a parameter
Information that identifies a portion of the token contract that corresponds to the virtual currency remittance process (hereinafter referred to as "virtual currency remittance function"),
Information that identifies the selected user's account as the sender,
Information that identifies the insurance group contract account as the remittance destination,
The remittance amount may include a premium of P2P insurance carried out in the insurance group, but the information included in the premium receipt transaction is not limited to these.

970 depicts the steps of sending the premium receipt transaction to at least one other blockchain node and/or performing the cryptocurrency transfer function in accordance with the mechanism described above. .. This step can include the following steps 972-976. The order of executing steps 972 to 976 is not limited to the order described below.

Reference numeral 972 indicates a step of storing the remittance of virtual currency. In this step, the blockchain node
Information showing the remittance of virtual currency,
Information that identifies the account of the selected user as the source of remittance,
Information that identifies the insurance group contract account as the remittance destination,
Amount of remittance,
A given tag (eg, "Pay"),
It may be a step of storing a predetermined message (for example, “Insurance premium payment/Token receive”) as an event, but the information stored as an event is not limited thereto.

Reference numeral 974 denotes a step of reducing the amount of virtual currency stored in association with the selected user's account by the amount of remittance.
Reference numeral 976 indicates a step of increasing the amount of virtual currency stored in association with the insurance group contract account by the transfer amount. The virtual currency amount held by the insurance group contract in the system 100 is regarded as the virtual currency amount held by the corresponding insurance group as pool money. However, the account for considering the amount of virtual currency held by the insurance group as the amount of virtual currency held by the insurance group is not limited to this.

Reference numeral 980 denotes a step of determining whether or not there are unselected participants. If so, the process returns to step 910, else the process ends.
3-5-3 Cashback Process The cashback process is a process executed by each blockchain node in step 880. FIG. 10 is a flowchart of an exemplary cashback process 1000. The blockchain node A and the blockchain node B in this figure may be the same blockchain node or different blockchain nodes.

1010 shows the step of selecting one of the participants of the corresponding insurance group defined during insurance group contract generation.
1020 generates a transaction for the selected user to refund a part of the insurance premium paid for the P2P insurance carried out in the insurance group (hereinafter, referred to as “insurance premium partial refund transaction”). Shows the steps. The insurance partial refund transaction is
The address of the insurance group contract account as the sender,
The address of the token contract account as the destination,
As a parameter
Information that identifies the virtual currency remittance function in the token contract,
Information that identifies the insurance group contract account as the sender
Information that identifies the account of the user selected as the transfer destination,
The cash remittance amount may be included as the remittance amount, but the information included in the premium partial refund transaction is not limited thereto. Since the transaction sender and the sender are the same insurance group contract, the sender information may be omitted. Further, the cashback amount may be determined based on the information that specifies the cashback amount defined when the insurance group contract is generated. As mentioned above, the insurance group contract may previously include information identifying the cashback amount.

1030 illustrates the steps of sending a partial refund transaction to at least one other blockchain node and/or performing a cryptocurrency transfer function in accordance with the mechanism described above. ing. This step may include the following steps 1032-1036. The order of executing steps 1032 to 1036 is not limited to the order described below.

Reference numeral 1032 indicates a step of storing the remittance of virtual currency. In this step, the blockchain node
Information showing the remittance of virtual currency,
Information identifying the insurance group contract as the sender,
Information that identifies the selected user as the remittance destination,
Amount of remittance,
With a given tag (eg "Cashback"),
It may be a step of storing a predetermined message (for example, “Insurance premium cashback”) as an event, but the information stored as an event is not limited to these.

Reference numeral 1034 indicates a step of reducing the amount of virtual currency stored in association with the account of the insurance group contract by the amount of remittance.
1036 shows a step of increasing the amount of virtual currency stored in association with the selected user's account by the amount of remittance.

Reference numeral 1040 indicates a step of determining whether or not there are unselected participants. If so, the process returns to step 1010, else the process ends.
3-5-4 Insurance payment process The insurance payment process is a process for paying a claimant (who is a participant of the insurance group) in response to a claim for P2P insurance implemented in an insurance group. Is. This process is executed when an insurance claim from an insurance group participant made by an arbitrary method is recognized as a result of the examination and the execution of the process is instructed to the terminal 110C. The examination of the insurance claim may be performed by a computer using AI technology or by a person. Further, the instruction to execute the insurance money payment process may be issued by communication from another computer or may be entered by a person. FIG. 11 is a flowchart of an exemplary insurance payment process.

Reference numeral 1110 denotes a step in which the terminal 110C instructs the gateway 120 to pay insurance money. The indication may include information identifying the claimant, information identifying the corresponding insurance group contract, and the amount of the claim.

Reference numeral 1120 denotes a transaction (hereinafter, referred to as “insurance payment transaction”) in which the gateway 120 executes a portion of the insurance group contract corresponding to insurance payment processing (hereinafter, referred to as “insurance payment function”). Shows the steps to generate The insurance payment transaction is
The address of the insurance brokerage account as the sender,
The address of the insurance group contract account as the destination,
As a parameter
Information that identifies the insurance payment function,
Information that identifies the claimant,
The amount of the insurance claim may be included, but the information included in the claim payment transaction is not limited thereto.

1130 shows the step of the gateway 120 sending the insurance payment transaction to at least one blockchain node included in the blockchain nodes 140.

1140 shows the steps performed by each blockchain node by executing the insurance payment function of the insurance group contract according to the mechanism described above, based on the transaction sent in step 1130. ..

12A and 12B are a flowchart of an exemplary process 1200 performed at step 1140. The blockchain node A and the blockchain node B or C in this figure may be the same blockchain node or different blockchain nodes. In addition, the block chain node B and the block chain node C in this figure may be the same block chain node or different block chain nodes.

Reference numeral 1210 shows a step of obtaining the current amount of pool money, that is, the amount of virtual currency held by the account of the insurance group contract. This step can be performed by executing a part of the token contract for referencing the amount of virtual currency held by the designated account.

Reference numeral 1155 shows a step of determining whether the pool money is equal to or more than the insurance money. When the unit of the amount of insurance money included in the insurance money payment transaction is not virtual currency (for example, it is legal currency), conversion may be appropriately performed. If the pool money is equal to or more than the insurance money, the processing proceeds to step 1230, and if not, the processing proceeds to step 1250.

Reference numeral 1230 indicates a step of generating a transaction (hereinafter, referred to as “insurance remittance transaction”) for remitting insurance money to an insurance claimant. The insurance remittance transaction is
The address of the insurance group contract account as the sender,
The address of the token contract account as the destination,
As a parameter
Information that identifies the virtual currency transfer function,
Information that identifies the account of the insurance group contract as the sender,
Information that identifies the claimant's account as the remittance destination,
The amount of remittance may include the amount of insurance remittance, but the information included in the remittance remittance transaction is not limited thereto. Since the transaction sender and the sender are the same insurance group contract, the sender information may be omitted.

1240 illustrates the steps of sending an insurance money transfer transaction to at least one other blockchain node and/or performing a virtual money transfer function in accordance with the mechanism described above. .. This step may include the following steps 1242-1246. The execution order of steps 1242 to 1246 is not limited to that described below.

Reference numeral 1242 indicates a step of storing the remittance of virtual currency. In this step, the blockchain node
Information showing the remittance of virtual currency,
Information identifying the insurance group contract as the sender,
Information that identifies the claimant as the remittance destination,
Amount of remittance,
With a given tag (eg "Receive"),
The step may be a step of storing a predetermined message (for example, “Insurance receipt”) as an event, but the information stored as an event is not limited to these.

1244 shows the step of reducing the amount of virtual currency stored in association with the account of the insurance group contract by the amount of remittance.
1246 shows the step of increasing the amount of virtual currency stored in association with the claimant's account by the amount of remittance.

That is, in the system 100, when the pool money held by the insurance group covers the insurance money to be paid, the insurance money is paid to the insurance claimant as virtual currency. The insurance claimant may convert the virtual currency received as insurance money into fiat currency by any method.

1150 shows a step of generating a transaction indicating that the insurance money to be paid is insufficient. The transaction indicating that the insurance money to be paid is insufficient is, for example, a transaction for sending the pool money held by the insurance group to the insurance intermediary company (hereinafter referred to as “pool money transfer transaction”). Good. Pool money transfer transactions
The address of the insurance group contract account as the sender,
The address of the token contract account as the destination,
As a parameter
Information that identifies the virtual currency transfer function,
Information that identifies the insurance group contract account as the sender
Information that identifies the account of the insurance intermediary as the remittance destination,
The amount of remittance may include the total amount of pool money held by the insurance group, but the information included in the pool remittance transaction is not limited thereto. Since the transaction sender and the sender are the same insurance group contract, the sender information may be omitted. Further, the transaction indicating that the insurance money to be paid is insufficient is not limited to this, and may be any transaction generated when the insurance money to be paid is insufficient.

1260 shows the steps of sending a pool money transfer transaction to at least one other blockchain node and/or executing a cryptocurrency transfer function according to the mechanism described above. .. This step may include the following steps 1262-1266. The execution order of steps 1262 to 1266 is not limited to that described below.

Reference numeral 1262 shows a step of storing the remittance of virtual currency. In this step, the blockchain node
Information showing the remittance of virtual currency,
Information identifying the insurance group contract as the sender,
A report that specifies the insurance intermediary company as the remittance destination,
Amount of remittance,
With a given tag,
The step of storing a predetermined message as an event can be performed, but the information stored as an event is not limited to these.

1264 shows the step of reducing the amount of virtual currency stored in association with the account of the insurance group contract by the amount of remittance. As a result, the pool money of the insurance group becomes zero.

Reference numeral 1266 shows a step of increasing the amount of virtual currency stored in association with the account of the insurance intermediary company by the amount of remittance.
That is, in the system 100, when the pool money held by the insurance group is less than the insurance money to be paid, the total amount of the pool money is once transferred to the insurance intermediary company.

Returning to FIG. 11, reference numeral 1150 denotes a step in which the terminal 110C tries to acquire the result of the insurance payment processing. This result includes, as mentioned above, whether the claim money was remitted to the claimant due to insufficient pool money, or whether the pool money was remitted to the insurance brokerage company due to insufficient pool money. .. The acquisition of the result can be performed, for example, by acquiring the event log from the block chain via the gateway 120.

Reference numeral 1160 denotes a step in which the terminal 110C determines whether or not the result of the insurance payment processing can be acquired. As a result of executing step 1242 or 1262, when the corresponding remittance is stored in the blockchain as an event, the result of the insurance payment process can be acquired. If it is determined that the result has been acquired, the processing proceeds to step 1170, and if not, the processing returns to step 1150.

Reference numeral 1170 denotes a step in which the terminal 110C determines whether or not the pool money is sufficient, based on the result of the acquired insurance money payment processing. This determination can be made based on whether predetermined information is stored. For example, the terminal 110C can determine that the pool money is sufficient if an insurance money transfer transaction or a money transfer to the insurance claimant as a result of executing step 1242 is stored in the blockchain as an event. .. Further, for example, the terminal 110C may not determine that the pool money is sufficient when the pool money transfer transaction or the money transfer to the insurance intermediary company as a result of the execution of step 1262 is stored in the blockchain as an event. it can. If it is determined that the pool money is sufficient, the processing ends, and if not, the processing proceeds to step 1180.

Reference numeral 1180 denotes a step in which the terminal 110C executes a predetermined process. The predetermined process is performed by calling the insurance information reference function of the insurance information contract by using the information for identifying the claimant, that is, by executing it in at least one block chain included in the block chain node group 140. It may include a process of specifying an insurance company carrying out the existing insurance to which the insurance claimant has joined and notifying the system of the specified insurance company, for example, the terminal 110B. This notification may notify that the claimed P2P insurance claim is insufficient and should be compensated.

Further, the predetermined process may include a process of instructing the system of the financial institution to transfer the legal currency corresponding to the pool money transferred as described above to the specified insurance company. Therefore, according to the system 100, when the pool money held by the insurance group is insufficient for the insurance money to be paid, the insurance intermediary company applies the legal currency equivalent to the transferred pool money to the insurance claim applicant. The existing insurance company can pay the full amount to the insurance claim applicant after making up for the shortfall.

4 Computer Hereinafter, an example of a hardware configuration of a computer that can be used as the terminal 110, the gateway 120, the database 130, and the block chain node will be described.

FIG. 13 shows an example of the hardware configuration of a computer. As shown in the figure, the computer 1700 mainly includes a processor 1710, a main storage device 1720, an auxiliary storage device 1730, a user interface 1740, and a communication interface 1750 as hardware resources. Are mutually connected via a bus line 1760 including an address bus, a data bus, a control bus and the like. An interface circuit (not shown) may be appropriately interposed between the bus line 1760 and each hardware resource.

The processor 1710 controls the entire computer.
The main storage device 1720 provides a work area for the processor 1710 and is a volatile memory such as SRAM or DRAM.

The auxiliary storage device 1730 is a non-volatile memory such as a hard disk drive or a flash memory that stores software programs and the like and data. The program is loaded from the auxiliary storage device 1730 to the main storage device 1720 via the bus line 1760 at any time.

The user interface 1740 presents information to the user and/or receives input of information from the user, and is a digital camera, keyboard, mouse, display, touch panel display, microphone, speaker, or the like. ..

The communication interface 1750 is connected to the network 1770 and transmits/receives data via the network 1770. The communication interface 1750 and the network 1770 can be connected by wire or wirelessly. The communication interface 1750 may also acquire information related to the network, for example, information related to the Wifi access point, information related to the base station of the communication carrier, and the like.

It will be apparent to those skilled in the art that the computer can function as a desired means, perform a desired step, and realize a desired function by the cooperation of the hardware resource and the software or the program exemplified above. Will.

5. Conclusion Although some examples of the embodiments of the present invention have been described above, it should be understood that these are merely examples and do not limit the technical scope of the present invention. It should be understood that modifications, additions, improvements, and the like of the embodiments can be appropriately made without departing from the spirit and scope of the present disclosure. The technical scope of the present invention should not be limited by any of the above-described embodiments, but should be defined only by the claims and their equivalents.

Claims (19)

Computer
Receiving a user's application to join an insurance group,
Storing information identifying the user as a participant of the insurance group based on the received participation application;
Determining whether the insurance group is established;
When it is determined that the insurance group is established, a transaction for generating a smart contract for implementing P2P insurance in the insurance group is generated, and at least one computer that functions as a blockchain node. And a smart contract for implementing P2P insurance in the insurance group includes information identifying each of a plurality of users stored as participants in the insurance group. .. The method of claim 1, wherein
Computer
Execution of a portion of a smart contract for implementing P2P insurance in the insurance group for collecting insurance premiums, when instructed to collect premiums for P2P insurance implemented in the insurance group. Further comprising the step of generating a transaction directing to and sending it to at least one computer acting as a blockchain node,
The part for collecting insurance premiums is a computer that acts as a blockchain node,
Based on the information identifying each user included in the smart contract for carrying out P2P insurance in the insurance group, from each user's account to a specific account, equivalent to the insurance premium of P2P insurance carried out in the insurance group A method for generating a transaction for remitting a virtual currency amount of money, and transmitting the transaction to at least one computer that functions as a blockchain node. The method of claim 2, wherein
The transaction for sending virtual currency directs execution of the portion of the smart contract for sending virtual currency,
The part for sending virtual currency is to a computer acting as a blockchain node,
A step of reducing the amount of virtual currency stored in association with the sender account by the amount of transfer,
Increasing the amount of virtual currency stored in association with the destination account by the transfer amount. A method according to any one of claims 1 to 3, wherein
Computer
Cash back of smart contracts for implementing P2P insurance in the insurance group when receiving an instruction to cash back at least a part of the premium of P2P insurance implemented in the insurance group. Further comprising the step of generating a transaction directing execution of the portion for sending to at least one computer acting as a blockchain node,
The part for cashing back is the computer acting as a blockchain node,
In order to transfer a predetermined amount of virtual currency as cashback from the specific account to each user's account based on the information for specifying each user included in the smart contract for carrying out P2P insurance in the insurance group. A method of performing a step of generating a transaction and sending the transaction to at least one computer that functions as a blockchain node. A method according to any one of claims 1 to 4, wherein
Computer
A portion of the smart contract for implementing the P2P insurance in the insurance group for paying the insurance when receiving an instruction to pay the claim user of the insurance for the P2P insurance implemented in the insurance group. Further comprising the step of generating a transaction instructing execution and sending it to at least one computer acting as a block tune node,
The portion for paying insurance money is to a computer acting as a blockchain node,
Determining whether the amount of virtual currency held by the specific account is equal to or more than the amount of insurance money to be paid in virtual currency;
When it is determined that the amount of virtual currency held by the specific account is equal to or more than the amount of insurance money to be paid in virtual currency, the amount corresponding to the insurance money to be paid from the specific account to the billing user's account. Generating a transaction for remitting virtual currency of, and sending the transaction to at least one computer acting as a blockchain node,
When it is not determined that the amount of virtual currency held by the specific account is equal to or more than the amount of insurance money to be paid in virtual currency, a transaction indicating that the insurance money to be paid is insufficient is generated, and Causing and executing the transaction to be transmitted to at least one computer functioning as a blockchain node,
Computer
Determining whether a transaction representing a lack of insurance payments to be paid has been executed on at least one computer functioning as a blockchain node;
Performing a predetermined process when it is determined that the transaction indicating that the insurance money to be paid is insufficient has been executed on at least one computer functioning as a blockchain node. The method of claim 5, wherein
The step of determining whether the amount of virtual currency held by the specific account is greater than or equal to the amount of insurance money to be paid in virtual currency,
Including executing a portion of the smart contract for referencing the amount of virtual currency held by the designated account,
The above-mentioned part for referring to the amount of virtual currency held by the designated account is stored in the computer functioning as a blockchain node,
A method of performing the step of acquiring the amount of virtual currency stored in association with the specified account as the amount of virtual currency held by the specified account. The method according to claim 5 or 6, wherein
A transaction that represents a lack of insurance to pay is sent to the computer acting as a blockchain node.
Execute the step of storing predetermined information as an event,
The step of determining whether a transaction representing a lack of insurance to be paid has been performed on at least one computer functioning as a blockchain node,
A method, comprising: determining whether the predetermined information is stored as an event in at least one computer functioning as a blockchain node. A method according to any one of claims 5 to 7, wherein
Computer
Receiving information about existing insurance that should be registered for the user, including information on the insurance companies that carry out the existing insurance,
A transaction for instructing execution of a portion for registering information about existing insurance in a smart contract, the transaction including the received information is generated, and the transaction functions as a blockchain node. Further comprising transmitting to one computer,
The part for registering information about existing insurance is a computer acting as a blockchain node,
Performing a step of storing, in association with the user, information about the existing insurance to be registered for the user, which is included in the transaction instructing execution of the portion for registering information about the existing insurance,
The step of performing a predetermined process is
Registered for the billing user via execution by at least one computer, acting as a blockchain node, of a part of the smart contract for referencing information about existing insurance registered for the designated user Identifying the insurer you are in
Informing the identified insurance company's system that it should reimburse claims payable. The method of claim 8, wherein
The information about the existing insurance to be registered for the user further includes the insurance premium of the existing insurance,
Computer
A transaction for instructing execution of a portion of a smart contract for implementing P2P insurance in the insurance group for distributing virtual currency to participants of the insurance group is generated, and the transaction is generated by a blockchain node. Further comprising the step of transmitting to at least one computer acting as
The part for distributing virtual currency to participants of the insurance group is a computer that functions as a blockchain node,
A step of performing based on information identifying each user included in a smart contract for implementing P2P insurance in the insurance group,
Insurance of existing insurance registered for each user who is a participant of the insurance group by performing the portion of the smart contract for referencing information about existing insurance registered for a specified user. To get the amount of the fee,
At least one transaction for generating a virtual currency for distributing to each user who is a participant of the insurance group an amount of virtual currency according to the acquired insurance premium of the existing insurance, and functioning as a blockchain node A method of performing the steps including sending to one computer. Receiving a user's application to join an insurance group,
Storing information identifying the user as a participant of the insurance group based on the received participation application;
Determining whether the insurance group is established;
When it is determined that the insurance group is established, a transaction for generating a smart contract for implementing P2P insurance in the insurance group is generated, and at least one computer that functions as a blockchain node. A smart contract for implementing P2P insurance in the insurance group identifies each user among a plurality of users stored as participants in the insurance group. A computer that contains information. The computer according to claim 10,
Execution of a portion of a smart contract for implementing P2P insurance in the insurance group for collecting insurance premiums, when instructed to collect premiums for P2P insurance implemented in the insurance group. Further comprising the step of generating a transaction directing to and sending it to at least one computer acting as a blockchain node,
The part for collecting insurance premiums is a computer that acts as a blockchain node,
Based on the information identifying each user included in the smart contract for carrying out P2P insurance in the insurance group, from each user's account to a specific account, equivalent to the insurance premium of P2P insurance carried out in the insurance group A computer that causes a transaction to be generated for sending an amount of virtual currency of the amount of money to be sent and to send the transaction to at least one computer that functions as a blockchain node. The computer according to claim 11,
The transaction for sending virtual currency directs execution of the portion of the smart contract for sending virtual currency,
The part for sending virtual currency is to a computer acting as a blockchain node,
A step of reducing the amount of virtual currency stored in association with the sender account by the amount of transfer,
A computer for increasing the amount of virtual currency stored in association with the transfer destination account by the transfer amount. The computer according to any one of claims 10 to 12,
Cash back of smart contracts for implementing P2P insurance in the insurance group when receiving an instruction to cash back at least a part of the premium of P2P insurance implemented in the insurance group. Performing a step of generating a transaction instructing execution of the portion for sending to at least one computer acting as a blockchain node,
The part for cashing back is the computer acting as a blockchain node,
In order to transfer a predetermined amount of virtual currency as cashback from the specific account to each user's account based on the information for specifying each user included in the smart contract for carrying out P2P insurance in the insurance group. A computer causing the steps of generating a transaction and sending the transaction to at least one computer functioning as a blockchain node. The computer according to any one of claims 10 to 13 as a first computer,
A system including a second computer,
The first computer is
A portion of a smart contract for implementing P2P insurance in the insurance group, for paying the insurance fee, when receiving an instruction to pay a claim user for the insurance of P2P insurance implemented in the insurance group. Further performing the step of generating a transaction that directs execution and sending it to at least one computer that functions as a block tune node,
The portion for paying insurance money is to a computer acting as a blockchain node,
Determining whether the amount of virtual currency held by the specific account is equal to or more than the amount of insurance money to be paid in virtual currency;
When it is determined that the amount of virtual currency held by the specific account is equal to or more than the amount of insurance money to be paid in virtual currency, the amount corresponding to the insurance money to be paid from the specific account to the billing user's account. Generating a transaction for sending virtual currency of, and sending the transaction to at least one computer that functions as a blockchain node,
When it is not determined that the amount of virtual currency held by the specific account is equal to or more than the amount of insurance money to be paid in virtual currency, a transaction indicating that the insurance money to be paid is insufficient is generated, and Causing and executing a transaction to at least one computer acting as a blockchain node,
The second computer
Determining whether a transaction representing a lack of insurance payments to be paid has been executed on at least one computer acting as a blockchain node;
Performing a predetermined process when it is determined that a transaction indicating that the insurance money to be paid is insufficient has been executed on at least one computer functioning as a blockchain node. The system according to claim 14, wherein
The step of determining whether the amount of virtual currency held by the specific account is greater than or equal to the amount of insurance money to be paid in virtual currency,
Including executing a portion of the smart contract for referencing the amount of virtual currency held by the designated account,
The above-mentioned part for referring to the amount of virtual currency held by the designated account is stored in the computer functioning as a blockchain node,
A system for executing the step of acquiring the amount of virtual currency stored in association with the specified account as the amount of virtual currency held by the specified account. The system according to claim 14 or 15, wherein
A transaction that represents a lack of insurance to pay is sent to the computer acting as a blockchain node.
Execute the step of storing predetermined information as an event,
The step of determining whether a transaction representing a lack of insurance to be paid has been performed on at least one computer functioning as a blockchain node,
A system, comprising: determining whether the predetermined information is stored as an event in at least one computer that functions as a blockchain node. The system according to any one of claims 14 to 16,
The first computer is
Receiving information about existing insurance that should be registered for the user, including information on the insurance companies that carry out the existing insurance,
A transaction for instructing execution of a portion for registering information about existing insurance in a smart contract, the transaction including the received information is generated, and the transaction functions as a blockchain node. Further transmitting to one computer,
The part for registering information about existing insurance is a computer acting as a blockchain node,
Performing a step of storing, in association with the user, information about the existing insurance to be registered for the user, which is included in the transaction instructing execution of the portion for registering information about the existing insurance,
The step of performing a predetermined process is
Registered for the billing user via execution by at least one computer, acting as a blockchain node, of a part of the smart contract for referencing information about existing insurance registered for the designated user Identifying the insurer you are in
Informing the identified insurance company's system that it should reimburse claims payable. The system of claim 17, wherein
The information about the existing insurance to be registered for the user further includes the insurance premium of the existing insurance,
The first computer is
A transaction for instructing execution of a portion of a smart contract for implementing P2P insurance in the insurance group for distributing virtual currency to participants of the insurance group is generated, and the transaction is generated by a blockchain node. Further comprising the step of sending to at least one computer that functions as
The part for distributing virtual currency to participants of the insurance group is a computer that functions as a blockchain node,
A step of performing based on information identifying each user included in a smart contract for implementing P2P insurance in the insurance group,
Insurance of existing insurance registered for each user who is a participant of the insurance group by performing the portion of the smart contract for referencing information about existing insurance registered for a specified user. To get the amount of the fee,
At least one transaction for generating a virtual currency for distributing to each user who is a participant of the insurance group an amount of virtual currency according to the acquired insurance premium of the existing insurance, and functioning as a blockchain node A system for performing steps including sending to one computer. A program that causes a computer to execute the method according to any one of claims 1 to 9.