TWI798114B - Management method and management server of medical insurance based on non-fungible token - Google Patents

Abstract

A management method and a management server of medical insurance based on a non-fungible token (NFT). The method includes: obtaining an application message from a first node via a first blockchain; generating a check message corresponding to the application message and providing the check message to a second node in a second blockchain by a chain-crossing bridge; deploying a NFT contract in the second blockchain, wherein the NFT contract generates a NFT corresponding to medical data in response to being triggered by the medical data corresponding to the check message, wherein the NFT belongs to the second node; in response to obtaining the NFT, transferring the NFT to the first node in the first blockchain by the chain-crossing bridge; and transmitting the medical data to an owner of the NFT.

Description

Management method and management server of medical insurance based on non-homogeneous tokens

The present invention relates to a management method and management server, and in particular to a management method and management server of medical insurance based on non-fungible token (NFT).

When applying for medical insurance claims, the applicant needs to confirm with the insurance company the medical documents required for claim investigation, and then apply for these documents to the medical institution. After obtaining the medical documents, the applicant also needs to send the documents to the insurance company. The above-mentioned process takes a lot of time, so applicants often cannot obtain compensation quickly. Therefore, paying a huge amount of medical treatment will place a heavy burden on the applicant.

In addition, the content of medical documents is directly related to the outcome of claims investigations. Claims investigations cannot be performed fairly if medical documents are tampered with in transit. On the other hand, if the medical documents are leaked during the round-trip process, the privacy of the applicant will be violated.

The present invention provides an NFT-based medical insurance management method and management server, which can quickly and safely exchange medical information for insurance companies and medical institutions.

A medical insurance management server based on non-homogeneous tokens of the present invention includes a transceiver and a processor. The transceiver accesses the first block chain and the second block chain, wherein the first block chain includes the first node, and the second block chain includes the second node. The processor is coupled to the transceiver, wherein the processor is configured to perform: obtaining an application message from the first node through the first blockchain; generating a check message corresponding to the application message, and providing the check message using the cross-chain bridge For the second node in the second blockchain; deploy the non-homogeneous token contract on the second blockchain, wherein the non-homogeneous token contract generates corresponding to Non-homogeneous tokens for medical data, wherein the non-homogeneous tokens belong to the second node; in response to the non-homogeneous tokens being transferred to the management server, use the cross-chain bridge to transfer the non-homogeneous tokens to the node in the first district The first node in the block chain; and transmit medical data to the owner of the non-homogeneous token through the transceiver.

In an embodiment of the present invention, the above-mentioned processor is further configured to perform: obtaining a hash value corresponding to the application message from the first node through the first blockchain; verifying the application message according to the hash value; and responding to The verification of the application message is successful, and a verification message corresponding to the application message is generated.

In an embodiment of the present invention, the above-mentioned processor is further configured to execute: obtain the medical data and the hash value corresponding to the medical data from the second node through the second block chain; verify the medical data according to the hash value; and In response to the successful verification of the medical information, the non-homogeneous tokens are transferred to the first node.

In an embodiment of the present invention, the processor exchanges data with the first node and the second node based on the hash tree.

In an embodiment of the present invention, the above-mentioned processor is further configured to perform: receiving an access request through a transceiver, wherein the access request indicates that the source of the access request is the owner of the non-fungible token; and Request to send medical data to the owner of non-homogeneous tokens.

In an embodiment of the present invention, the above-mentioned processor is further configured to execute: in response to the successful verification of the application message, obtain the time stamp through the transceiver; and generate the verification message according to the application message and the time stamp.

In an embodiment of the present invention, the above-mentioned processor is further configured to execute: in response to successful verification of the medical information, obtain a time stamp through the transceiver; and transfer the non-fungible token to the first node according to the time stamp.

A management method of medical insurance based on non-homogeneous tokens of the present invention, including: accessing the first block chain and the second block chain, wherein the first block chain includes the first node, and the second block chain Including the second node; obtaining the application message from the first node through the first block chain; generating a verification message corresponding to the application message, and using the cross-chain bridge to provide the verification message to the second block chain in the second block chain Two nodes; deploy non-homogeneous token contracts on the second blockchain, wherein the non-homogeneous token contracts generate non-homogeneous tokens corresponding to medical data in response to the triggering of medical data corresponding to verification messages, where The non-fungible tokens belong to the second node; in response to acquiring the non-fungible tokens, transfer the non-fungible tokens to the first node in the first blockchain using a cross-chain bridge; and transmit medical data to the non-fungible Owners of tokens.

Based on the above, the present invention can combine medical institutions, management servers and insurance companies based on NFT technology to construct a blockchain medical claims framework. The invention enables policy holders, insurance companies or medical institutions to quickly and safely obtain medical information. The management server can use NFT tokens as an electronic certification or certificate of medical data access rights. By transferring the ownership of NFT tokens, insurance companies can quickly obtain certificates issued by medical institutions directly through the blockchain, and the insured does not need to prepare medical information such as correspondence with the insurance company. The transfer by NFT also represents an innovative concept of authorization transfer, which solves the complex problem of authorization of medical certificates. In the present invention, the process data of medical claims are connected by blockchain, and the structure and process of the data are inspected by smart contracts. In each stage of the medical claims framework, the data related to the steps of application, verification, reply, confirmation and filing are all concatenated in the form of a hash tree to ensure data security and integrity.

In order to make the content of the present invention more comprehensible, the following specific embodiments are taken as examples in which the present invention can actually be implemented. In addition, wherever possible, elements/components/steps using the same reference numerals in the drawings and embodiments represent the same or similar parts.

FIG. 1 shows a schematic diagram of a block chain architecture for medical insurance business according to an embodiment of the present invention. The claims application server 200 belongs to the insurance company. The claims application server 200 is communicatively connected to the blockchain A and serves as the node A1 of the blockchain A. The medical institution server 300 belongs to a medical institution. The medical institution server 300 can be communicatively connected to the blockchain B and serve as the node B1 of the blockchain B. The management server 100 can assist the claim application server 200 to exchange data with the medical institution server 300 . The management server 100 is communicatively connected to the blockchain A and the blockchain B, and can serve as the node A2 of the blockchain A and the node B2 of the blockchain B. The management server 100 can exchange data with the node A1 or the node B1 based on a hash tree (Merkle tree hash) technology.

FIG. 2 shows a schematic diagram of an NFT-based medical insurance management server 100 according to an embodiment of the present invention. The management server 100 may include a processor 110 , a storage medium 120 and a transceiver 130 .

The processor 110 is, for example, a central processing unit (central processing unit, CPU), or other programmable general purpose or special purpose micro control unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processing Digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (graphics processing unit, GPU), image signal processor (image signal processor, ISP) ), image processing unit (image processing unit, IPU), arithmetic logic unit (arithmetic logic unit, ALU), complex programmable logic device (complex programmable logic device, CPLD), field programmable logic gate array (field programmable gate array , FPGA) or other similar components or combinations of the above components. The processor 110 can be coupled to the storage medium 120 and the transceiver 130 , and access and execute multiple modules and various application programs stored in the storage medium 120 .

The storage medium 120 is, for example, any type of fixed or removable random access memory (random access memory, RAM), read-only memory (read-only memory, ROM), flash memory (flash memory) , hard disk drive (hard disk drive, HDD), solid state drive (solid state drive, SSD) or similar components or a combination of the above components, and are used to store multiple modules or various application programs executable by the processor 110 .

The transceiver 130 transmits and receives signals in a wireless or wired manner. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like. The management server 100 can communicate with the blockchain A or the blockchain B through the transceiver 130 , and access the data in the blockchain A or the blockchain B.

FIG. 3 shows a signaling diagram of the medical insurance application phase according to an embodiment of the present invention. In step S301 , the claim application server 200 may transmit policyholder information and application information to a third-party verification agency. Policyholder information or application information is, for example, transmitted to the claim application server 200 by a medical claim applicant through a terminal device. Policyholder information may include information such as the basic information of the insured, but the present invention is not limited thereto. The application materials may include information such as the insured's medical information and authorization information (for example: a seal used to confirm that the insured agrees to apply for insurance claims), but the invention is not limited thereto.

In step S302 , the verification institution (or a terminal device belonging to the verification institution) can determine whether the policyholder information and application information are correct, and transmit the verification result to the claim settlement application server 200 . Specifically, the verification agency is, for example, a government agency that has the basic information of the insured and has the authority to confirm to the medical institution whether the application information provided by the insured is correct. If both the policyholder information and the application information are correct, the verification agency may send a verification result indicating successful verification of the policyholder information and application information to the claim settlement application server 200 . The claim application server 200 may proceed to step S303 in response to the policyholder information and application information being verified. If the policyholder information or application information is incorrect, the verification agency may send a verification result indicating that the policyholder information and application information failed to be verified to the claim settlement application server 200 . The claim application server 200 may stop executing the subsequent process in FIG. 3 .

In order to ensure the correctness of the time, in step S303 , the claim application server 200 may send a time stamp request message to a third-party time stamping authority (TSA) or a terminal device of the time stamping authority. In step S304, the time stamp mechanism can generate a current time stamp according to the time stamp request message, and perform a hash operation on the current time stamp to obtain a hash value of the time stamp. Then, the time stamp mechanism can return the time stamp and its hash value to the claim application server 200 .

In step S305 , the claim application server 200 can generate an application message according to policyholder information, application information, and time stamp, wherein the application message can include policyholder information, application information, and time stamp. On the other hand, the claim application server 200 can perform a hash operation on the policyholder information to obtain a hash value of the policyholder information, and can perform a hash operation on the application data to obtain a hash value of the application data. Next, the claim application server 200 can perform a hash operation on the hash value of the policyholder information, the hash value of the application data, and the hash value of the time stamp to generate a hash value corresponding to the application message. The claim application server 200 can upload the application message and its hash value to the blockchain A through the node A1.

In step S306, the management server 100 can access the block chain A through the node A2 to obtain the application message and its hash value from the node A1.

FIG. 4 shows a signaling diagram of the verification phase of medical insurance according to an embodiment of the present invention. The management server 100 can deploy the cross-chain bridge smart contract in the blockchain A, so as to execute various steps that should be executed by the management server 100 in FIG. 4 through the cross-chain bridge smart contract. For example, the management server 100 can implement the verification of the application message as described in step S401 by deploying the cross-chain bridge smart contract in the blockchain A according to the cross-chain bridge smart contract.

Specifically, after the management server 100 obtains the application message and its hash value, in step S401, the management server 100 can verify whether the content of the application message is correct according to the hash value of the application message. If the application message is verified, the management server 100 may send a timestamp request message to a third-party timestamp mechanism or a terminal device of the timestamp mechanism. If the application message fails to pass the verification, the management server 100 may stop executing the subsequent steps in FIG. 4 .

In step S402, the time stamp mechanism can generate a current time stamp according to the time stamp request message, and perform a hash operation on the current time stamp to obtain a hash value of the time stamp. Then, the time stamp mechanism can return the time stamp and its hash value to the management server 100 .

In step S403, the management server 100 may generate a verification message according to information such as the application message and a time stamp, wherein the verification message may include the application message and the time stamp. On the other hand, the management server 100 may perform a hash operation on the hash value of the application message and the hash value of the time stamp to generate a hash value corresponding to the verification message. After generating the check message and its hash value, the management server 100 can upload the check message and its hash value to the blockchain B through the node B2 by using cross-chain technology.

In step S404, the medical institution server 300 can obtain the verification message and its hash value from the node B2 through the node B1 and store the blockchain B.

FIG. 5 shows a signaling diagram of the reply phase of medical insurance according to an embodiment of the present invention. The management server 100 can deploy the cross-chain bridge smart contract in the blockchain B, so as to execute various steps that should be executed by the management server 100 in FIG. 5 through the cross-chain bridge smart contract. After the medical institution server 300 obtains the verification message and its hash value, in step S501, the medical institution server 300 can verify whether the verification message is correct according to the hash value of the verification message. If the verification information passes the verification, the medical institution server 300 can generate medical data according to the verification information. Specifically, the medical institution server 300 can query the type of medical information required by the insurance company through the check message, and obtain the medical information required by the insurance company from the database of the medical institution. The medical institution server 300 can perform a hash operation on the medical data to generate a hash value corresponding to the medical data. Next, the medical institution server 300 can upload the medical data and its hash value to the blockchain B through the node B1.

In step S502, the NFT contract (a kind of smart contract) in the blockchain B can generate an NFT corresponding to the medical data in response to the trigger of the medical data, where the ownership of the NFT belongs to the node B1 that uploaded the medical data (ie: medical agency server 300). The NFT contract is, for example, deployed in the blockchain B by the management server 100 through the node B2. The medical institution server 300 can obtain the NFT from the blockchain B through the node B1.

In step S503 , the medical institution server 300 can transfer the NFT to the node B2 (ie: the management server 100 ) through the node B1.

In step S504 , the medical institution server 300 may send a timestamp request message to a third-party timestamp institution (or a terminal device of the timestamp institution). In step S505, the time stamp mechanism can generate a current time stamp according to the time stamp request message, and perform a hash operation on the current time stamp to obtain a hash value of the time stamp. The time stamp mechanism can return the time stamp and its hash value to the medical institution server 300 .

In step S506, the medical institution server 300 can generate reply data according to the medical data and the time stamp, wherein the reply data can include the medical data and the time stamp. On the other hand, the medical institution server 300 may perform a hash operation on the hash value of the medical data and the hash value of the time stamp to generate a hash value corresponding to the reply data. Then, the medical institution server 300 can upload the reply data and its hash value to blockchain B through node B1, and upload the NFT to blockchain B through node B1 to transfer the NFT to node B2 (that is, the management server 100).

FIG. 6 shows a signaling diagram of the confirmation stage of medical insurance according to an embodiment of the present invention. The management server 100 can deploy the cross-chain bridge smart contract in the blockchain A or the blockchain B, so as to execute various steps that should be executed by the management server 100 in FIG. 6 through the cross-chain bridge smart contract.

In step S601, the management server 100 can obtain the reply data from the node B1 and its hash value from the blockchain B through the node B2. The management server 100 can verify whether the reply data is correct according to the hash value of the reply data. If the reply data is verified, the management server 100 can obtain the medical data and the hash value of the medical data from the reply data and the hash value thereof. The management server 100 can verify whether the medical data is correct according to the hash value of the medical data. If the medical information is verified, the management server 100 may then execute step S602. If the medical information fails to pass the verification, the management server 100 may stop performing the subsequent steps in FIG. 6 .

In one embodiment, the management server 100 can store medical data. Medical data includes, for example, text files (such as PDF files) that record the medical records of the insured.

In one embodiment, the access authority of the medical data in blockchain B can be managed by NFT. When the management server 100 has the ownership of the NFT, the management server 100 can access the medical data in the blockchain B according to the NFT, or access the reply data containing the medical data in the blockchain B.

In step S602, the management server 100 may send a timestamp request message to a third-party timestamp mechanism or a terminal device of the timestamp mechanism. In step S603, the time stamp mechanism can generate a current time stamp according to the time stamp request message, and perform a hash operation on the current time stamp to obtain a hash value of the time stamp. Then, the time stamp mechanism can return the time stamp and its hash value to the management server 100 .

In step S604, the management server 100 can generate a confirmation message according to the reply data and the time stamp, wherein the confirmation message can include the reply data and the time stamp. The management server 100 can perform a hash operation on the hash value of the reply data and the hash value of the time stamp to generate a hash value corresponding to the confirmation message. After generating the confirmation message and its hash value, the management server 100 can upload the confirmation message and its hash value to the blockchain A through the node A2 by using the cross-chain bridge technology. Accordingly, the medical data generated by the medical institution server 300 can be stored in the block chain A.

On the other hand, the management server 100 can use the cross-chain bridge technology to transfer the ownership of the NFT to the node A1 in the blockchain A through the node A2 (ie: the claims application server 200 ).

FIG. 7 shows a signaling diagram of the closing phase of medical insurance according to an embodiment of the present invention. The management server 100 can deploy the cross-chain bridge smart contract in the blockchain A, so as to execute various steps that should be executed by the management server 100 in FIG. 7 through the cross-chain bridge smart contract.

In step S701, the claim application server 200 can obtain the confirmation message from the node A2 and its hash value from the block chain A through the node A1. The claim application server 200 can verify whether the confirmation message is correct according to the hash value of the confirmation message. If the confirmation message is verified, the claim application server 200 may then execute step S702. If the confirmation message fails to pass the verification, the claim application server 200 may stop executing the subsequent steps in FIG. 7 .

In step S702 , the claim application server 200 may send an access request to the management server 100 according to the ownership of the NFT. The information in the access request may indicate that the source of the access request is the owner of the NFT (ie: the claim application server 200 ).

In step S703 , the management server 100 can send the medical data to the owner of the NFT (for example: the claims application server 200 ) according to the access request. If the claim application server 200 transfers the NFT to another node, the node can also request the management server 100 to inquire about medical information according to the NFT. In other words, the access rights of medical data can be determined by NFT. Only the owner of the NFT has the right to read medical information. In this way, the privacy of the insured can be protected.

It is worth noting that in step S702 and step S703, the management server 100 and the claim application server 200 may transmit data with each other via blockchain A, or may not transmit data with each other via blockchain A, The present invention is not limited thereto.

In step S704, the claim application server 200 can generate a closing record according to the medical data, and can upload the closing record to the blockchain A through the node A1 for storage.

FIG. 8 shows a flow chart of an NFT-based medical insurance management method according to an embodiment of the present invention, wherein the management method can be implemented by the management server 100 shown in FIG. 2 . In step S801, the first block chain and the second block chain are accessed, wherein the first block chain includes the first node, and the second block chain includes the second node. In step S802, the application message from the first node is obtained through the first block chain. In step S803, a verification message corresponding to the application message is generated, and the cross-chain bridge is used to provide the verification message to the second node in the second blockchain. In step S804, a non-fungible token contract is deployed on the second blockchain, wherein the non-fungible token contract generates non-fungible tokens corresponding to the medical data in response to the triggering of the medical data corresponding to the verification message , where non-homogeneous tokens belong to the second node. In step S805, in response to obtaining the non-fungible token, the non-fungible token is transferred to the first node in the first blockchain by using the cross-chain bridge. In step S806, the medical information is sent to the owner of the non-homogeneous token.

To sum up, the present invention has the following characteristics and effects: (1) The use of block chain NFT for medical certificates has the characteristics of decentralization, transparent system and process, cross-platform and inability to tamper, and solves the problem that the insured has multiple It takes a lot of time for the insurance company to apply for medical certificates for each policy one by one, and it solves the shortcomings of applying for medical certificates or insurance claims at the counter. (2) The present invention uses two blockchains to simplify the data content of the blockchains. There are cross-chain bridges between blockchains. The present invention adopts hash-anchored cross-chain technology, and uses smart contracts to convert cross-chain mechanisms. When the data crosses the chain, the smart contract calculates the integrity of the cross-chain module, and writes the hash value into the blockchain to become a traceable link. The structure of the cross-chain conversion mechanism is simple, the cross-chain is flexible and automatically completes the smart contract, so you can add new services and expand your business at any time, quickly obtain information in different fields and improve efficiency, such as monitoring, policy implementation, statistics or charging mechanisms . Compared with the traditional architecture in which insurance companies and medical institutions use direct block chain interfacing, the architecture of the present invention has better scalability. (3) The present invention sets up a management server for the blockchain to perform NFT management, issuance and confirmation, etc. The present invention also uses NFT transfer as an authorization certificate to solve the issue of data authorization. The present invention can confirm the integrity by using the hash value in the process of transmitting data in the block chain, which is superior to the traditional block chain that needs to share the framework of the agreement under the same system for data verification. In the present invention, the NFT medical certificate provided by the medical institution is impartial. Under different blockchains or operating environments, the management server can perform the verification or exchange of medical documents with high efficiency. (4) Various data in the present invention can use formatting fields, and use hash tree to concatenate various data. In this way, the original stateless blockchain block can be turned into a dialogue mechanism with data concatenation state, so as to confirm the integrity of the data and quickly establish a trust foundation for different institutions.

100: Manage Servers 110: Processor 120: storage media 130: Transceiver 200: Claims application server 300:Medical institution server A, B: Blockchain A1, A2, B1, B2: nodes S301, S302, S303, S304, S305, S306, S401, S402, S403, S404, S501, S502, S503, S504, S505, S506, S601, S602, S603, S604, S701, S702, S703, S704, S801, S802, S803, S804, S805, S806: steps

FIG. 1 shows a schematic diagram of a block chain architecture for medical insurance business according to an embodiment of the present invention. FIG. 2 shows a schematic diagram of an NFT-based medical insurance management server according to an embodiment of the present invention. FIG. 3 shows a signaling diagram of the medical insurance application phase according to an embodiment of the present invention. FIG. 4 shows a signaling diagram of the verification phase of medical insurance according to an embodiment of the present invention. FIG. 5 shows a signaling diagram of the reply phase of medical insurance according to an embodiment of the present invention. FIG. 6 shows a signaling diagram of the confirmation stage of medical insurance according to an embodiment of the present invention. FIG. 7 shows a signaling diagram of the closing phase of medical insurance according to an embodiment of the present invention. FIG. 8 shows a flow chart of an NFT-based medical insurance management method according to an embodiment of the present invention.

S801, S802, S803, S804, S805, S806: steps

Claims (8)

A management server for medical insurance based on non-homogeneous tokens, including: a transceiver for accessing a first blockchain and a second blockchain, wherein the first blockchain includes first nodes and the second blockchain includes second nodes; and a processor coupled to the transceiver, wherein the processor is configured to perform: Obtain the application message from the first node through the first block chain; generating a check message corresponding to the application message, and providing the check message to the second node in the second blockchain using a cross-chain bridge; A non-homogeneous token contract is deployed on the second block chain, wherein the non-homogeneous token contract generates a non-homogeneous token corresponding to the medical data in response to triggering of the medical data corresponding to the verification message Tokenized tokens, wherein the non-fungible tokens belong to the second node; in response to the non-fungible token being transferred to the management server, utilizing the cross-chain bridge to transfer the non-fungible token to the first node in the first blockchain; as well as The medical information is transmitted to the owner of the non-homogeneous token through the transceiver. The management server of claim 1, wherein the processor is further configured to perform: obtaining a hash value corresponding to the application message from the first node through the first block chain; verifying the application message based on the hash value; and In response to the successful verification of the application message, a check message corresponding to the application message is generated. The management server of claim 1, wherein the processor is further configured to perform: Obtaining the medical information and a hash value corresponding to the medical information from the second node through the second block chain; verifying the medical data based on the hash value; and In response to the successful verification of the medical information, the non-fungible token is transferred to the first node. The management server according to claim 1, wherein the processor exchanges data with the first node and the second node based on a hash tree. The management server of claim 1, wherein the processor is further configured to perform: receiving an access request via the transceiver, wherein the access request indicates that the source of the access request is the owner of the non-fungible token; and Sending the medical data to the owner of the non-homogeneous token according to the access request. The management server of claim 2, wherein the processor is further configured to perform: Obtaining a time stamp through the transceiver in response to the successful verification of the application message; and The check message is generated according to the application message and the time stamp. The management server of claim 3, wherein the processor is further configured to perform: Obtaining a time stamp via the transceiver in response to successful verification of the medical data; and According to the timestamp, the non-fungible token is transferred to the first node. A management method for medical insurance based on non-homogeneous tokens, including: accessing a first blockchain and a second blockchain, wherein the first blockchain includes a first node and the second blockchain includes a second node; Obtain the application message from the first node through the first block chain; generating a check message corresponding to the application message, and providing the check message to the second node in the second blockchain using a cross-chain bridge; A non-homogeneous token contract is deployed on the second block chain, wherein the non-homogeneous token contract generates a non-homogeneous token corresponding to the medical data in response to triggering of the medical data corresponding to the verification message Tokenized tokens, wherein the non-fungible tokens belong to the second node; in response to retrieving the non-fungible token, using the cross-chain bridge to transfer the non-fungible token to the first node in the first blockchain; and Send the medical data to the owner of the non-homogeneous token.

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