TW202409947A - Systems and methods of blockchain for insurance processes - Google Patents

Abstract

Disclosed herein relates to systems and methods of blockchain for insurance processes, in particular for insurance claims, recovery and co-insurance. The blockchain system allows multiple ends respectively to share and process insurance event information in real time through one or more modules and specific data structure. Moreover, the systems and methods disclosed herein ensure data security and authenticity, providing more efficient in insurance claims, recovery and co-insurance between multiple parties.

Description

Blockchain system and method applied to insurance operations

The present invention relates to a system and method applied in the insurance field, and in particular to a system and method for executing insurance operations using a blockchain system.

In the process of insurance claims settlement, case reporting and data exchange are still mainly done manually. Although there are digital systems for case management and tracking, co-insurance cases usually involve multiple insurance companies. Based on data security and Due to confidentiality considerations, there is currently no communication platform for various insurance companies to exchange information. As a result, cases involving co-insurance claims require a lot of manpower and time to exchange and verify information, and each step of the claim needs to be repeated continuously. Verifying the correctness and authenticity of the exchanged information makes the claims process lengthy and makes it impossible to carry out insurance claims efficiently.

In view of this, in order to improve the shortcomings of the previous technology and improve the efficiency of the overall insurance operation, a novel insurance claims system and method are urgently needed in this field to improve the shortcomings of the previous technology.

The content of the invention is intended to provide a simplified summary of the present disclosure so that readers can have a basic understanding of the present disclosure. This content of the invention is not a complete overview of the present disclosure, and it is not intended to point out the important/key elements of the embodiments of the present invention or to define the scope of the present invention.

One aspect of the disclosure is related to a blockchain system applied to insurance operations, the system comprising a blockchain, a first user end and a second user end. The blockchain system provided by the disclosure can provide insurance case data sharing between multiple users, while maintaining the authenticity and security of the data, so as to achieve the purpose of executing insurance claims, recovery and co-insurance operations in a timely and efficient manner.

Specifically, the blockchain system is used to store a plurality of shared insurance cases, and the first user end, the second user end, and the blockchain are communicatively linked to each other. The first user end includes a first database, a first file processing module and a first service module that are connected to each other in communication, wherein the first database is used to store a plurality of first insurance cases, the first file processing module is used to access the first insurance cases in the first database, and the first service module is used to perform the following steps: a) Create a first new insurance case and query whether there is a shared insurance case corresponding to the first new insurance case in the blockchain, if not, store the first new insurance case in the first database to form a newly added first insurance case, wherein the first insurance case includes common information and non-public information, wherein the common information includes common liability information and case information; and b) A new shared insurance case is created in the blockchain, and the shared insurance case corresponds to the common information of the first insurance case added in step a).

The second client is similar in configuration to the first client, and is provided with a second database, a second file processing module and a second service module that are communicated with each other. The second database is used to store a plurality of second insurance cases, the second file processing module is used to access the second insurance cases in the second database, and the second service module is used to perform the following Steps: a) Establish a second new insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the blockchain. If there is, then add the shared insurance case corresponding to the shared insurance case in the blockchain. The common information of two new insurance cases is stored in the second database to form a newly added second insurance case, in which the first insurance case and the second insurance case have the same common information; and b) Based on the common information of the second insurance case, obtain the non-public information corresponding to the first insurance case through the first file processing module of the first client, access and associate the non-public information of the second insurance case , and stored in the second database.

According to an implementation manner of this disclosure, the first client and the second client each include a monitoring module to monitor and detect whether there are new shared insurance cases in the blockchain.

In a specific implementation, if the blockchain system disclosed herein has a new shared insurance case, and the shared insurance case is created by the second user end and corresponds to a second insurance case, the monitoring module of the first user end is also used to perform the following steps: When monitoring the newly added shared insurance case, determine whether the shared insurance case is related to the first user end, and if so, add a first insurance case corresponding to the shared insurance case to the first database; and Based on the common information of the first insurance case, obtain the non-public information corresponding to the second insurance case through the second file processing module of the second user end, access and associate it with the non-public information of the first insurance case, and store it in the first database.

According to a preferred implementation, the first user end and the second user end correspond to a first insurer and a second insurer respectively, and the shared insurance case in the blockchain includes an insurer identification feature relative to the first insurer and the second insurer.

In another specific implementation, the first service module of the first user end or the second service module of the second user end is used to update the co-sharing information of the shared insurance case in the blockchain. In a non-limiting implementation, the co-sharing information is a sharing ratio.

Another aspect of this disclosure is about a method of performing insurance operations using the blockchain system shown in any of the above embodiments. Through the construction of the system, data can be exchanged between each client in real time and efficiently. Complete the insurance compensation work promptly.

After referring to the following embodiments, those with ordinary knowledge in the technical field to which the present invention belongs can easily understand the basic spirit and other objectives of the present invention, as well as the technical means and implementation modes adopted by the present invention.

In order to make the description of the disclosure more detailed and complete, the following provides an illustrative description of the implementation and specific embodiments of the present invention; however, this is not the only form of implementing or using the specific embodiments of the present invention. The implementation method covers the features of multiple specific embodiments and the method steps and their sequences for constructing and operating these specific embodiments. However, other specific embodiments can also be used to achieve the same or equal functions and step sequences.

The "shared insurance case" mentioned here means that the information of the insurance case stored in the blockchain can be shared with specific parties. For example, the above-mentioned shared insurance cases are applicable to amortization, recovery or co-insurance cases of insurance cases.

Unless otherwise defined in this specification, the scientific and technical terms used herein have the same meanings as those understood and used by persons of ordinary skill in the art to which the present invention belongs. In addition, singular terms used in this specification include plural forms of the terms, and plural terms also include singular forms of the terms, unless otherwise conflicting with the context.

In order to solve the shortcomings of the previous technology, the co-insurance claim settlement process is complicated. In the process, case progress tracking and data verification are quite time-consuming and require a lot of manpower. Therefore, the present invention provides a novel digital process and system, which is based on the blockchain system, allowing different users to share co-protected data through the blockchain, and through a specific file exchange method, Mutual trust, synchronization and real-time data exchange can be achieved between each client. In a preferred embodiment, the method and system disclosed in the present invention are suitable for co-insurance cases, especially in the process of insurance compensation or recovery.

FIG. 1 is a schematic diagram of a computer device 100 for running the blockchain system 200 for insurance operations according to an embodiment of the present disclosure. Referring to FIG. 1 , the computer device 100 has a communication unit 110, a storage unit 120, and a processing unit 130. The communication unit 110 is used to transmit and receive information. For example, the computer device 100 of the embodiment exchanges information through the communication unit 110. In addition, the communication unit 110 also transmits and receives query instructions for various types of information. In this embodiment, the communication unit 110 is implemented using a communication chip. The communication chip, for example, is a component that supports Ethernet, optical fiber communication network, telecommunication cable network, Wireless Fidelity (Wi-Fi) system, or other chips that support standard communication specifications established by the Institute of Electrical and Electronics Engineers (IEEE), all of which can be used in the present disclosure.

The storage unit 120 is used to store various necessary information and necessary program codes for running the blockchain system 200 of the present invention. The storage unit 120 is, for example, implemented using any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk drive (HDD), solid state drive (SSD) or similar components or a combination of the above components, but the present disclosure is not limited thereto.

The processing unit 130 is connected to the communication unit 110 and the storage unit 120 to run necessary operations and functions of the blockchain system 200 . In an embodiment of the present disclosure, the processing unit 130 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processing (Digital Signal Processor, DSP), programmable controller, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or combinations of the above components, the disclosure is not limited thereto. It is worth mentioning that although there is only one processing unit 130 in Figure 1, in different embodiments of the present disclosure, the number of processing units 130 may also be plural. For example, for each system Each module is configured with a processing unit 130 to perform calculations, and the present disclosure is not limited thereto.

Figure 2 is a schematic configuration diagram of a blockchain system 200 for insurance operations according to an embodiment of the present invention.

The blockchain system 200 of the present invention includes a first user end 210, a second user end 220 and a blockchain 280, and each of the components is connected to each other. A person skilled in the art should understand that the first user end 210 and the second user end 220 can be operated by independent computer devices, but are not limited to this.

The first user terminal 210 includes a first service module 212, a first file processing module 214 and a first database 216 that are communicatively connected to each other. The second client 220 includes a second service module 222, a second file processing module 224, and a second database 226 that are communicatively connected to each other. Please refer to Figures 1 and 2 at the same time. In one embodiment, the storage unit 120 will store the above-mentioned modules. It should be noted that in order to more easily understand the operation process of the blockchain system 200 of the present invention, in Figure 2 The communication unit 110, the storage unit 120 and the processing unit 130 are not shown in the figure. However, those skilled in the art can understand that the processing unit 130 will load the aforementioned modules from the storage unit 120 and complete the tasks of each module by running the aforementioned modules. In addition, in order to more clearly express the operation mode of the blockchain system for insurance operations, the following description uses the name of the module to describe the function of the module being loaded into the processing unit 130 and performing calculations.

Specifically, the first database 216 of the first client 210 is used to store a plurality of first insurance cases, and the first file processing module 214 is used to access the first insurance cases in the first database 216. And the first service module 212 provides information processing services and executes various steps according to the instruction requirements. In addition, in Figure 2 of this embodiment, only one first and second service module (212 and 222) are shown in the first user end 210 and the second user end 220; however, the service module The number can also be multiple, and this disclosure is not limited thereto. Furthermore, the second user terminal 220 includes a second service module 222, a second file processing module 224 and a second database 226. The methods and functions performed by each module are the same as those described in the first user terminal 210. Therefore it will not be described further here.

In addition, the first user terminal 210 and the second user terminal 220 of the present invention can each be equipped with a monitoring module (not shown in the figure) to monitor whether there are new shared insurance cases in the blockchain 280, and when detecting When a new shared insurance case is added, it is determined whether the shared insurance case is related to the respective client. If so, a new first or second insurance case corresponding to the shared insurance case is added to the first database. 216 or the second database 226.

In addition, in order to prevent the operation of the blockchain system 200 of the present invention from being affected by damage to a single user end, the blockchain system 200 of the present invention can establish another backup mechanism, for example, a backup storage node is established at the first user end 210. When any other user end fails, transactions can be conducted by connecting to the backup storage node of the first user end 210 through the service modules of each user end.

Figure 3 is a schematic flowchart of an insurance operation method applied to the blockchain system of the present invention according to an embodiment of the present invention. The embodiment of Figure 3 is at least applicable to the blockchain system 200 of Figure 2, but is not limited thereto. The process of the insurance operation method will be explained below with reference to the blockchain system 200 in Figure 2.

First, in step 301, the first client 210 creates a first new insurance case, and then in step 303, it queries the blockchain 280 to see if there is a shared insurance case corresponding to the first new insurance case. This step is the first key to establishing an insurance case. , initially confirm whether the same shared insurance case is created through other users to avoid repeatedly establishing the same insurance case. After confirming that there is no corresponding shared insurance case in the blockchain 280, the first client 210 stores the first new insurance case in the first database 216 through the first file processing module 214 to form a new first insurance case. case, and create a new shared insurance case in the blockchain 280 (step 305). It should be noted that in a preferred implementation, the first insurance case includes a common information and a non-public information, where the common information includes a joint compensation information and a case information, and the non-public information is an audit document or personal information and other related information. It should be noted that the information in the first insurance case uploaded to the blockchain 280 in step 305 only contains common information, which is exchanged and shared through the blockchain 280. Non-public information refers to non-uploaded blockchain 280, and It is the information that mutual insurance providers exchange data with corresponding users. Data can be exchanged directly between users through other secure communication methods. In an optional implementation, the common information includes basic case information and amortization data. Taking property insurance as an example, the case information includes but is not limited to, the compensation company, the claim amount, the compensation certificate number, the date of the accident, The compensation vehicle number and the identity card number of the party involved are included, while the amortization information can be the compensation company, insurance card number, and amortization amount.

Those skilled in the art to which the present invention belongs should understand that the case information is uploaded to the blockchain 280 in an encrypted hashing manner. Then, in step 307, the second user terminal creates a second new insurance case, and then, in step 309, it queries whether there is a shared insurance case corresponding to the second new insurance case in the blockchain 280. If so, the common information of the second new insurance case corresponding to the shared insurance case in the blockchain 280 is captured into the second database 226 to form a newly added second insurance case. It should be noted that the first insurance case of the first user terminal 210 and the second insurance case of the second user terminal 220 are substantially the same insurance case and have the same common information. Furthermore, based on the common information of the first insurance case and the second insurance case, the second service module 222 of the second user end 220 can obtain the non-public information corresponding to the first insurance case based on the common information of the second insurance case through the first file processing module 214 of the first user end 210, access and associate the non-public information of the second insurance case, and store it in the second database 226 (not shown in the figure). It can be seen that the present invention divides the data of insurance cases into different levels, one is common information, and the other is non-public information, and uses two different channels to share data with different users. The user end can use the blockchain to instantly obtain whether there are insurance cases related to each user end on the sharing platform. After the relevant insurance cases are updated in real time, if it is necessary to further obtain the non-public information of the corresponding insurance cases in other user ends, other non-public information in the insurance claims can be obtained from the corresponding user end through other information connection channels, thereby achieving real-time sharing and effective control of the transmission of insurance case data, and achieving the effect of mutual trust and mutual assistance among the users.

Figure 4 is a schematic flowchart of the application of the blockchain system 200 of the present invention to an insurance operation method according to another embodiment of the present invention.

In this embodiment, the second user end 220 creates a second new insurance case (step 401). Similarly, the user end 401 queries the blockchain 280 through the second service module 222 to see if there is a shared insurance case corresponding to the second new insurance case (step 403). If not, the second user end 220 stores the second new insurance case in the second database 226 to form a newly added second insurance case, and creates a new shared insurance case in the blockchain 280 (step 405). In this embodiment, the first user end 210 may be provided with a monitoring module. When it monitors that there is a newly added shared insurance case in the blockchain 280, it determines whether it is related to the first user end 210 (step 407). A person with ordinary knowledge in the technical field to which the present invention belongs should be able to understand that the common information of the shared insurance case may include the paying company, which may include the label information of the paying company in the node information, so that the corresponding user end can identify whether the shared insurance case is an insurance case belonging to the respective user end. If the shared insurance case is a related case, the first user end 210 creates a first new insurance case through the first service module 212 and the first file processing module 214 and stores it in the first database 216, and simultaneously captures the first new insurance case information corresponding to the shared insurance case (step 411). Furthermore, the first user end 210 exchanges files of non-public information with the second user end 220 through other secure connection methods, for example, through P2P, the first service module 212 of the first user end 210 is connected to the second file processing module 224 of the second user end 220 to capture the non-public information of the insurance case to be obtained (step 413).

Figure 5 is a schematic flowchart of the application of the blockchain system 200 of the present invention to an insurance claim settlement method according to an embodiment of the present invention.

In one embodiment, the first user terminal 210 and the second user terminal 220 may correspond to two different insurance companies. When the first user terminal 210 receives the claim settlement information (step 501), it queries the blockchain 280 through the first service module 212 of the first user terminal 210 to see whether the peer has established relevant information in the blockchain 280. shared insurance case (step 503); if not, the first client 210 creates a new first insurance case through the first service module 212 and the second file processing module 214 and stores it in the first database 216. And create a new shared insurance case in the blockchain 280 (step 505). When the corresponding claims company (i.e., the second client) monitors the shared insurance case related to it in the blockchain 280 through its monitoring module (step 507), through the second service module of the second client 220, The group 222 and the second file processing module 224 create a new second insurance case in the second database 226, and simultaneously retrieve the second insurance case information corresponding to the shared insurance case (step 511). It should be noted that all The blockchain 280 only contains common information about insurance cases. Therefore, the second client 220 also obtains non-public information from the second file processing module 214 of the first client 210 through the second service module 222 (step 513 ), such as the basic information of the parties and review documents, etc. The first user terminal 210 completes the settlement of the claim and settlement (step 515), uploads the actual compensation data in the first insurance case to the blockchain 280 to update the shared insurance case (step 517), and the second user terminal 220 will Synchronously monitoring the second insurance case that updates the second database 226 of the shared insurance case through the second file processing module 224, the second client 220 can also upload the compensation data 519 to the blockchain 280 and update it. Share insurance cases. The first client 210 detects through the monitoring module that the shared insurance case has been updated to complete the compensation operation, and finally performs the filing and closing operation (step 521). In view of this, through the blockchain system of the present invention, the compensation status of each user (that is, corresponding to each joint compensation company) can be monitored in real time.

In addition, it should be noted that there can be multiple users of this system, and insurance case data can be exchanged through any of the above implementation methods, so that each user can share information through the blockchain and complete insurance cases efficiently. Furthermore, the insurance case in the above embodiment has two corresponding usage terminals. However, it is not limited to this, and there can also be three, four, five, six, seven, or eight or more usage terminals. It is also understandable that if the amount of data is too large and the client in the blockchain system 200 of the present invention cannot load these operations, the administrator can set up the same modules in parallel (for example, set up two sets of service modules), and then Share computing load and increase system flexibility.

In summary, the blockchain system proposed by the present invention enables data exchange between users through different channels, achieves real-time sharing of data, accelerates claims settlement, reduces the occurrence of human errors, and improves operating efficiency. At the same time, the present invention The blockchain system architecture can take into account the privacy of each user and ensure the confidentiality of information exchanged between the two parties of the co-compensation company.

Although the above embodiments disclose specific embodiments of the present invention, they are not intended to limit the present invention. A person having ordinary knowledge in the technical field to which the present invention belongs may make various changes and modifications without departing from the principle and spirit of the present invention. Therefore, the scope of protection of the present invention shall be based on that defined by the scope of the attached patent application.

The main component symbols of the present invention are listed as follows 100: Computer equipment 110: Communication unit 120: Storage unit 130: Processing unit 200: Blockchain system 210: First user terminal 212: First service module 214: First file processing module 216: First database 220: Second user terminal 222: Second service module 224: Second file processing module 226: Second database 280: Blockchain 301-311, 401-413, 501-521: Steps

In order to make the above and other objects, features, advantages and embodiments of the present invention more apparent and understandable, the accompanying drawings are described as follows:

Figure 1 is a schematic diagram of a computer device 100 running the blockchain system 200 for insurance operations according to an embodiment of the present disclosure; Figure 2 is a schematic configuration diagram of a blockchain system 200 for insurance operations according to an embodiment of the present invention; Figure 3 is a schematic flowchart of the blockchain system of the present invention applied to the insurance operation method according to an embodiment of the present invention; Figure 4 shows a schematic flow chart of the blockchain system of the present invention applied to the insurance operation method according to another embodiment of the present invention; and Figure 5 is a schematic flowchart of the insurance operation method of applying the blockchain system of the present invention to another embodiment of the present invention.

In accordance with common practice, the various features and components in the figures are not drawn to scale but are drawn in a manner designed to best represent the specific features and components relevant to the present invention. In addition, the same or similar reference symbols are used to refer to similar elements/components in different drawings.

200:Blockchain system

210: First client

212:First service module

214: First file processing module

216:First database

220: Second client

222: Second service module

224: Second file processing module

226: Second database

280:Blockchain

Claims (12)

A blockchain system for insurance operation process, comprising: A blockchain for storing a plurality of shared insurance cases; A first user end, which is connected to the blockchain for communication, and the first user end comprises a first database, a first file processing module and a first service module which are connected to each other for communication, wherein: The first database is used to store a plurality of first insurance cases; The first file processing module is used to access the first insurance cases in the first database; and The first service module is used to perform the following steps: a) Establish a first new insurance case and query whether there is a shared insurance case corresponding to the first new insurance case in the blockchain. If not, store the first new insurance case in the first database to form a newly added first insurance case, wherein the first insurance case includes a common information and a non-public information, wherein the common information includes a common liability information and a case information; and b) Establish a new shared insurance case in the blockchain, and the shared insurance case corresponds to the common information of the first insurance case newly added in step a); A second user end is connected to the blockchain and the first user end, and the second user end includes a second database, a second file processing module and a second service module that are connected to each other, wherein: The second database is used to store a plurality of second insurance cases; The second file processing module is used to access the second insurance cases in the second database; and The second service module is used to perform the following steps: a) Create a second new insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the blockchain. If so, extract the corresponding shared insurance case from the blockchain to form a newly added second insurance case, wherein the first insurance case and the second insurance case have the same common information; and b) Based on the common information of the second insurance case, the non-public information corresponding to the first insurance case is obtained through the first file processing module of the first user end, accessed and associated with the non-public information of the second insurance case, and stored in the second database. The blockchain system as described in claim 1, wherein the first client and the second client each further include a monitoring module that monitors and detects whether the shared insurance case is newly added to the blockchain. The blockchain system as described in claim 2, wherein the shared insurance case is newly added to the blockchain, and the shared insurance case is created by the second user end and corresponds to a second insurance case, and the monitoring module of the first user end is also used to perform the following steps: When monitoring the newly added shared insurance case, determine whether the shared insurance case is related to the first user end, and if so, add a first insurance case corresponding to the shared insurance case to the first database; and Based on the common information of the first insurance case, obtain the non-public information corresponding to the second insurance case through the second file processing module of the second user end, access and associate it with the non-public information of the first insurance case, and store it in the first database. The blockchain system as described in claim 1, wherein the first user end and the second user end correspond to a first insurance provider and a second insurance provider respectively, and the shared insurance cases in the blockchain include relative An insurance carrier identification feature for the first insurance carrier and the second insurance carrier. The blockchain system as described in claim 1, wherein: The first service module of the first user end or the second service module of the second user end is used to update the joint liability information of the shared insurance case in the blockchain. The blockchain system as described in claim 4, wherein the joint compensation information is a compensation ratio. A blockchain-based insurance operation method, including: Provide a blockchain to store multiple shared insurance cases; Provide a first client that communicates with the blockchain, and the first client includes a first database, a first file processing module and a first service module that communicate with each other, wherein: The first database is used to store a plurality of first insurance cases; The first file processing module is used to access the first insurance cases in the first database; and The first service module is used to perform the following steps: a) Create a first new insurance case and query whether there is a shared insurance case corresponding to the first new insurance case in the blockchain. If not, store the first new insurance case in the first database. , forming a new first insurance case, where the first insurance case includes a common information and a non-public information, where the common information includes a joint compensation information and a case information; and b) Create a new shared insurance case in the blockchain, which corresponds to the common information of the first insurance case added in step a); Provide a second client to communicate with the blockchain and the first client, and the second client includes a second database, a second file processing module and a second service module to communicate with each other connection, where: The second database is used to store a plurality of second insurance cases; The second file processing module is used to access the second insurance cases in the second database; and The second service module is used to perform the following steps: a) Establish a second new insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the blockchain. If there is, then add the shared insurance case corresponding to the shared insurance case in the blockchain. The common information of two new insurance cases is stored in the second database to form a newly added second insurance case, in which the first insurance case and the second insurance case have the same common information; and b) Based on the common information of the second insurance case, obtain the non-public information corresponding to the first insurance case through the first file processing module of the first client, access and associate the non-public information of the second insurance case , and stored in the second database. The method as described in claim 7, wherein the first user end and the second user end further include a monitoring module respectively, wherein the monitoring module is used to monitor and detect whether there is a new shared insurance case in the blockchain. As described in claim 8, the shared insurance case is newly added to the blockchain, and the shared insurance case is created by the second user end, and the shared insurance case corresponds to a second insurance case, and the monitoring module of the first user end is also used to perform the following steps: When monitoring the newly added shared insurance case, determine whether the shared insurance case is related to the first user end, and if so, add a first insurance case corresponding to the shared insurance case to the first database; and Based on the common information of the first insurance case, obtain the non-public information corresponding to the second insurance case through the second file processing module of the second user end, access and associate it with the non-public information of the first insurance case, and store it in the first database. The method of claim 7, wherein the first user end and the second user end correspond to a first insurance provider and a second insurance provider respectively, and the shared insurance case in the blockchain includes information relative to the first insurance provider. An insurance carrier and an insurance carrier identification characteristic of the second insurance carrier. The method as described in claim 7, wherein: The first service module of the first user end or the second service module of the second user end is used to update the joint liability information of the shared insurance case in the blockchain. The method as described in claim 7, wherein the co-liability information is a liability ratio.

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