TWI798114B - Management method and management server of medical insurance based on non-fungible token - Google Patents
Management method and management server of medical insurance based on non-fungible token Download PDFInfo
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本發明是有關於一種管理方法和管理伺服器,且特別是有關於一種基於非同質化代幣(non-fungible token,NFT)的醫療保險的管理方法和管理伺服器。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).
在申請醫療保險的理賠時,申請人需要先向保險業者確認理賠調查所需要的醫療文件,再向醫療機構申請該些文件。在取得醫療文件後,申請人還需將文件發送給保險業者。上述的過程需要花費大量的時間,故申請人往往無法迅速獲得理賠金。因此,支付龐大的醫療金額將會為申請人待來沉重的負擔。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.
此外,醫療文件的內容直接關係到理賠調查的結果。若醫療文件在文件往返的過程中遭到竄改,則理賠調查將無法被公平地執行。另一方面,若醫療文件在文件往返過程遭到洩漏,將侵害到申請人的隱私。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.
本發明提供一種基於NFT的醫療保險的管理方法和管理伺服器,可快速、安全地為保險業者和醫療機構交換醫療資料。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.
本發明的一種基於非同質化代幣的醫療保險的管理伺服器,包含收發器以及處理器。收發器存取第一區塊鏈以及第二區塊鏈,其中第一區塊鏈包含第一節點,並且第二區塊鏈包含第二節點。處理器耦接收發器,其中處理器經配置以執行:通過第一區塊鏈以取得來自第一節點的申請訊息;產生對應於申請訊息的檢核訊息,並且利用跨鏈橋提供檢核訊息給在第二區塊鏈中的第二節點;在第二區塊鏈部署非同質化代幣合約,其中非同質化代幣合約響應於對應於檢核訊息的醫療資料的觸發而產生對應於醫療資料的非同質化代幣,其中非同質化代幣屬於第二節點;響應於非同質化代幣被轉讓給管理伺服器,利用跨鏈橋將非同質化代幣轉讓給在第一區塊鏈中的第一節點;以及通過收發器傳送醫療資料給非同質化代幣的擁有者。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.
在本發明的一實施例中,上述的處理器更經配置以執行:通過第一區塊鏈以取得來自第一節點的對應於申請訊息的雜湊值;根據雜湊值驗證申請訊息;以及響應於申請訊息驗證成功,產生對應於申請訊息的檢核訊息。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.
在本發明的一實施例中,上述的處理器更經配置以執行:通過第二區塊鏈以自第二節點取得醫療資料以及對應於醫療資料的雜湊值;根據雜湊值驗證醫療資料;以及響應於醫療資料驗證成功,將非同質化代幣轉讓給第一節點。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.
在本發明的一實施例中,上述的處理器基於雜湊樹與第一節點和第二節點交換資料。In an embodiment of the present invention, the processor exchanges data with the first node and the second node based on the hash tree.
在本發明的一實施例中,上述的處理器更經配置以執行:通過收發器接收存取請求,其中存取請求指示存取請求的來源為非同質化代幣的擁有者;以及根據存取請求傳送醫療資料給非同質化代幣的擁有者。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.
在本發明的一實施例中,上述的處理器更經配置以執行:響應於申請訊息驗證成功,通過收發器取得時間戳;以及根據申請訊息和時間戳產生檢核訊息。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.
在本發明的一實施例中,上述的處理器更經配置以執行:響應於醫療資料驗證成功,通過收發器取得時間戳;以及根據時間戳,將非同質化代幣轉讓給第一節點。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.
本發明的一種基於非同質化代幣的醫療保險的管理方法,包含:存取第一區塊鏈以及第二區塊鏈,其中第一區塊鏈包含第一節點,並且第二區塊鏈包含第二節點;通過第一區塊鏈以取得來自第一節點的申請訊息;產生對應於申請訊息的檢核訊息,並且利用跨鏈橋提供檢核訊息給在第二區塊鏈中的第二節點;在第二區塊鏈部署非同質化代幣合約,其中非同質化代幣合約響應於對應於檢核訊息的醫療資料的觸發而產生對應於醫療資料的非同質化代幣,其中非同質化代幣屬於第二節點;響應於取得非同質化代幣,利用跨鏈橋將非同質化代幣轉讓給在第一區塊鏈中的第一節點;以及傳送醫療資料給非同質化代幣的擁有者。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.
基於上述,本發明可基於NFT技術,聯合醫療機構、管理伺服器與保險業者,建構區塊鏈醫療理賠架構。本發明可使保戶、保險業者或醫療機構快速、安全地獲取醫療資料。管理伺服器可將NFT代幣作為醫療資料存取權的電子認證或憑證。通過轉移NFT代幣的所有權,保險業者可直接通過區塊鏈快速地取得醫療機構開立的證明,被保險人不需準備與保險公司來往回覆等醫療資料。由NFT轉移也代表授權轉移之創新觀念,解決醫療證明授權之複雜問題。本發明醫療理賠各流程資料採用區塊鏈介接,並採用智慧合約檢視資料之架構與流程。在醫療理賠架構各階段中,關聯於申請、檢核、回覆、確認與收檔等步驟的資料皆採用雜湊樹方式串接,確保資料安全性和完整性。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.
為了使本發明之內容可以被更容易明瞭,以下特舉實施例作為本發明確實能夠據以實施的範例。另外,凡可能之處,在圖式及實施方式中使用相同標號的元件/構件/步驟,係代表相同或類似部件。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.
圖1根據本發明的一實施例繪示用於醫療保險業務的區塊鏈架構的示意圖。理賠申請伺服器200屬於保險業者。理賠申請伺服器200可通訊連接至區塊鏈A並作為區塊鏈A的節點A1。醫療機構伺服器300屬於醫療機構。醫療機構伺服器300可通訊連接至區塊鏈B並作為區塊鏈B的節點B1。管理伺服器100可協助理賠申請伺服器200與醫療機構伺服器300進行資料交換。管理伺服器100可通訊連接至區塊鏈A和區塊鏈B,並可作為區塊鏈A的節點A2以及區塊鏈B的節點B2。管理伺服器100可基於雜湊樹(Merkle tree hash)的技術來與節點A1或節點B1交換資料。FIG. 1 shows a schematic diagram of a block chain architecture for medical insurance business according to an embodiment of the present invention. The
圖2根據本發明的一實施例繪示一種基於NFT的醫療保險的管理伺服器100的示意圖。管理伺服器100可包含處理器110、儲存媒體120以及收發器130。FIG. 2 shows a schematic diagram of an NFT-based medical
處理器110例如是中央處理單元(central processing unit,CPU),或是其他可程式化之一般用途或特殊用途的微控制單元(micro control unit,MCU)、微處理器(microprocessor)、數位信號處理器(digital signal processor,DSP)、可程式化控制器、特殊應用積體電路(application specific integrated circuit,ASIC)、圖形處理器(graphics processing unit,GPU)、影像訊號處理器(image signal processor,ISP)、影像處理單元(image processing unit,IPU)、算數邏輯單元(arithmetic logic unit,ALU)、複雜可程式邏輯裝置(complex programmable logic device,CPLD)、現場可程式化邏輯閘陣列(field programmable gate array,FPGA)或其他類似元件或上述元件的組合。處理器110可耦接至儲存媒體120以及收發器130,並且存取和執行儲存於儲存媒體120中的多個模組和各種應用程式。The
儲存媒體120例如是任何型態的固定式或可移動式的隨機存取記憶體(random access memory,RAM)、唯讀記憶體(read-only memory,ROM)、快閃記憶體(flash memory)、硬碟(hard disk drive,HDD)、固態硬碟(solid state drive,SSD)或類似元件或上述元件的組合,而用於儲存可由處理器110執行的多個模組或各種應用程式。The
收發器130以無線或有線的方式傳送及接收訊號。收發器130還可以執行例如低噪聲放大、阻抗匹配、混頻、向上或向下頻率轉換、濾波、放大以及類似的操作。管理伺服器100可通過收發器130通訊連接至區塊鏈A或區塊鏈B,並且存取區塊鏈A或區塊鏈B中的資料。The
圖3根據本發明的一實施例繪示醫療保險的申請階段的信令圖。在步驟S301中,理賠申請伺服器200可傳送保戶資料和申請資料至第三方的驗證機構。保戶資料或申請資料例如是由醫療理賠的申請人通過終端裝置傳送給理賠申請伺服器200。保戶資料可包含被保險人的基本資料等資訊,但本發明不限於此。申請資料可包含被保險人的醫療資料和授權資料(例如:用於確認被保險人同意申請保險理賠的印鑑)等資訊,但本發明不限於此。FIG. 3 shows a signaling diagram of the medical insurance application phase according to an embodiment of the present invention. In step S301 , the
在步驟S302中,驗證機構(或屬於驗證機構的終端裝置)可判斷保戶資料和申請資料是否正確,並且將驗證結果傳送給理賠申請伺服器200。具體來說,驗證機構例如是具有被保險人基本資料且具有權限向醫療機構確認被保險人提供的申請資料是否正確的政府機構。若保戶資料和申請資料均為正確,則驗證機構可將指示保戶資料和申請資料驗證成功的驗證結果傳送給理賠申請伺服器200。理賠申請伺服器200可響應於保戶資料和申請資料通過驗證而繼續進行步驟S303。若保戶資料或申請資料不正確,則驗證機構可將指示保戶資料和申請資料驗證失敗的驗證結果傳送給理賠申請伺服器200。理賠申請伺服器200可停止執行圖3的後續流程。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
為了確保時間的正確性,在步驟S303中,理賠申請伺服器200可傳送時間戳請求訊息至第三方的時間戳機構(time stamping authority,TSA)或時間戳機構的終端裝置。在步驟S304中,時間戳機構可根據時間戳請求訊息產生當前的時間戳,並對當前的時間戳進行雜湊運算以取得時間戳的雜湊值。接著,時間戳機構可回傳時間戳及其雜湊值給理賠申請伺服器200。In order to ensure the correctness of the time, in step S303 , the
在步驟S305中,理賠申請伺服器200可根據保戶資料、申請資料以及時間戳等資訊產生申請訊息,其中申請訊息可包含保戶資料、申請資料以及時間戳。另一方面,理賠申請伺服器200可對保戶資料進行雜湊運算以取得保戶資料的雜湊值,並可對申請資料進行雜湊運算以取得申請資料的雜湊值。接著,理賠申請伺服器200可對保戶資料的雜湊值、申請資料的雜湊值以及時間戳的雜湊值進行雜湊運算以產生對應於申請訊息的雜湊值。理賠申請伺服器200可通過節點A1將申請訊息及其雜湊值上傳至區塊鏈A。In step S305 , the
在步驟S306中,管理伺服器100可通過節點A2存取區塊鏈A以取得來自節點A1的申請訊息及其雜湊值。In step S306, the
圖4根據本發明的一實施例繪示醫療保險的檢核階段的信令圖。管理伺服器100可在區塊鏈A中部署跨鏈橋智慧合約,藉以通過跨鏈橋智慧合約來執行圖4中應由管理伺服器100所執行的各個步驟。舉例來說,管理伺服器100可通過在區塊鏈A中部署跨鏈橋智慧合約以根據跨鏈橋智慧合約執行如步驟S401所述之申請訊息的驗證。FIG. 4 shows a signaling diagram of the verification phase of medical insurance according to an embodiment of the present invention. The
具體來說,在管理伺服器100取得申請訊息及其雜湊值後,在步驟S401中,管理伺服器100可根據申請訊息的雜湊值驗證申請訊息的內容是否正確。若申請訊息通過驗證,則管理伺服器100可傳送時間戳請求訊息至第三方的時間戳機構或時間戳機構的終端裝置。若申請訊息未通過驗證,則管理伺服器100可停止執行圖4的後續步驟。Specifically, after the
在步驟S402中,時間戳機構可根據時間戳請求訊息產生當前的時間戳,並對當前的時間戳進行雜湊運算以取得時間戳的雜湊值。接著,時間戳機構可回傳時間戳及其雜湊值給管理伺服器100。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
在步驟S403中,管理伺服器100可根據申請訊息以及時間戳等資訊產生檢核訊息,其中檢核訊息可包含申請訊息以及時間戳。另一方面,管理伺服器100可對申請訊息的雜湊值和時間戳的雜湊值進行雜湊運算以產生對應於檢核訊息的雜湊值。在產生檢核訊息及其雜湊值後,管理伺服器100可利用跨鏈橋(cross-chain)技術以通過節點B2將檢核訊息及其雜湊值上傳至區塊鏈B。In step S403, the
在步驟S404中,醫療機構伺服器300可通過節點B1以存區塊鏈B取得來自節點B2的檢核訊息及其雜湊值。In step S404, the
圖5根據本發明的一實施例繪示醫療保險的回覆階段的信令圖。管理伺服器100可在區塊鏈B中部署跨鏈橋智慧合約,藉以通過跨鏈橋智慧合約來執行圖5中應由管理伺服器100所執行的各個步驟。在醫療機構伺服器300取得檢核訊息及其雜湊值後,在步驟S501中,醫療機構伺服器300可根據檢核訊息的雜湊值驗證檢核訊息是否正確。若檢核訊息通過驗證,則醫療機構伺服器300可根據檢核訊息產生醫療資料。具體來說,醫療機構伺服器300可通過檢核訊息查詢保險業者所需要的醫療資料種類,並且自醫療機構的資料庫中取得與保險業者所要求的醫療資料。醫療機構伺服器300可對醫療資料進行雜湊運算以產生對應於醫療資料的雜湊值。接著,醫療機構伺服器300可通過節點B1將醫療資料及其雜湊值上傳至區塊鏈B。FIG. 5 shows a signaling diagram of the reply phase of medical insurance according to an embodiment of the present invention. The
在步驟S502中,區塊鏈B中的NFT合約(一種智慧合約)可響應於醫療資料的觸發而產生對應於醫療資料的NFT,其中NFT的所有權屬於上傳了醫療資料的節點B1(即:醫療機構伺服器300)。NFT合約例如是由管理伺服器100通過節點B2部屬在區塊鏈B中的。醫療機構伺服器300可通過節點B1以自區塊鏈B取得NFT。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
在步驟S503中,醫療機構伺服器300可通過節點B1將NFT轉讓給節點B2(即:管理伺服器100)。In step S503 , the
在步驟S504中,醫療機構伺服器300可傳送時間戳請求訊息至第三方的時間戳機構(或時間戳機構的終端裝置)。在步驟S505中,時間戳機構可根據時間戳請求訊息產生當前的時間戳,並對當前的時間戳進行雜湊運算以取得時間戳的雜湊值。時間戳機構可回傳時間戳及其雜湊值給醫療機構伺服器300。In step S504 , the
在步驟S506中,醫療機構伺服器300可根據醫療資料和時間戳產生回覆資料,其中回覆資料可包含醫療資料和時間戳。另一方面,醫療機構伺服器300可對醫療資料的雜湊值和時間戳的雜湊值進行雜湊運算以產生對應於回覆資料的雜湊值。接著,醫療機構伺服器300可通過節點B1將回覆資料及其雜湊值上傳至區塊鏈B,並且通過節點B1將NFT上傳至區塊鏈B以將NFT轉讓給節點B2(即:管理伺服器100)。In step S506, the
圖6根據本發明的一實施例繪示醫療保險的確認階段的信令圖。管理伺服器100可在區塊鏈A或區塊鏈B中部署跨鏈橋智慧合約,藉以通過跨鏈橋智慧合約來執行圖6中應由管理伺服器100所執行的各個步驟。FIG. 6 shows a signaling diagram of the confirmation stage of medical insurance according to an embodiment of the present invention. The
在步驟S601中,管理伺服器100可通過節點B2以自區塊鏈B取得來自節點B1的回覆資料及其雜湊值。管理伺服器100可根據回覆資料的雜湊值驗證回覆資料是否正確。若回覆資料通過驗證,管理伺服器100可自回覆資料及其雜湊值取得醫療資料以及醫療資料的雜湊值。管理伺服器100可根據醫療資料的雜湊值驗證醫療資料是否正確。若醫療資料通過驗證,則管理伺服器100可接著執行步驟S602。若醫療資料未通過驗證,則管理伺服器100可停止進行圖6的後續步驟。In step S601, the
在一實施例中,管理伺服器100可儲存醫療資料。醫療資料例如包含記載被保險人之醫療記錄的文字檔(例如:PDF檔)。In one embodiment, the
在一實施例中,區塊鏈B中的醫療資料的存取權限可由NFT所管理。當管理伺服器100擁有NFT的所有權時,管理伺服器100可根據NFT存取區塊鏈B中的醫療資料,或存取區塊鏈B中包含醫療資料的回覆資料。In one embodiment, the access authority of the medical data in blockchain B can be managed by NFT. When the
在步驟S602中,管理伺服器100可傳送時間戳請求訊息至第三方的時間戳機構或時間戳機構的終端裝置。在步驟S603中,時間戳機構可根據時間戳請求訊息產生當前的時間戳,並對當前的時間戳進行雜湊運算以取得時間戳的雜湊值。接著,時間戳機構可回傳時間戳及其雜湊值給管理伺服器100。In step S602, the
在步驟S604中,管理伺服器100可根據回覆資料和時間戳產生確認訊息,其中確認訊息可包含回覆資料和時間戳。管理伺服器100可對回覆資料的雜湊值和時間戳的雜湊值進行雜湊運算以產生對應於確認訊息的雜湊值。在產生確認訊息及其雜湊值後,管理伺服器100可利用跨鏈橋技術以通過節點A2將確認訊息及其雜湊值上傳至區塊鏈A。據此,由醫療機構伺服器300所產生的醫療資料可儲存在區塊鏈A之中。In step S604, the
另一方面,管理伺服器100可利用跨鏈橋技術以通過節點A2將NFT的所有權轉讓給區塊鏈A中的節點A1(即:理賠申請伺服器200)。On the other hand, the
圖7根據本發明的一實施例繪示醫療保險的收檔階段的信令圖。管理伺服器100可在區塊鏈A中部署跨鏈橋智慧合約,藉以通過跨鏈橋智慧合約來執行圖7中應由管理伺服器100所執行的各個步驟。FIG. 7 shows a signaling diagram of the closing phase of medical insurance according to an embodiment of the present invention. The
在步驟S701中,理賠申請伺服器200可通過節點A1以自區塊鏈A取得來自節點A2的確認訊息及其雜湊值。理賠申請伺服器200可根據確認訊息的雜湊值驗證確認訊息是否正確。若確認訊息通過驗證,則理賠申請伺服器200可接著執行步驟S702。若確認訊息未通過驗證,則理賠申請伺服器200可停止執行圖7的後續步驟。In step S701, the
在步驟S702中,理賠申請伺服器200可根據NFT的所有權傳送存取請求至管理伺服器100。存取請求中的資訊可指示存取請求的來源為NFT的擁有者(即:理賠申請伺服器200)。In step S702 , the
在步驟S703中,管理伺服器100可根據存取請求傳送醫療資料給NFT的擁有者(例如:理賠申請伺服器200)。若理賠申請伺服器200將NFT轉讓給其他的節點,則該節點也可根據NFT向管理伺服器100請求查詢醫療資料。也就是說,醫療資料的存取權限可由NFT決定。只有NFT的擁有者才有權利讀取醫療資料。如此,可保護受保險人的隱私。In step S703 , the
值得注意的是,在步驟S702和步驟S703中,管理伺服器100與理賠申請伺服器200可經由區塊鏈A以與彼此進行資料傳輸,也可不經由區塊鏈A以與彼此進行資料傳輸,本發明不限於此。It is worth noting that in step S702 and step S703, the
在步驟S704中,理賠申請伺服器200可根據醫療資料產生收檔記錄,並可通過節點A1以將收檔記錄上傳至區塊鏈A以供留存。In step S704, the
圖8根據本發明的一實施例繪示一種基於NFT的醫療保險的管理方法的流程圖,其中管理方法可由如圖2所示的管理伺服器100實施。在步驟S801中,存取第一區塊鏈以及第二區塊鏈,其中第一區塊鏈包含第一節點,並且第二區塊鏈包含第二節點。在步驟S802中,通過第一區塊鏈以取得來自第一節點的申請訊息。在步驟S803中,產生對應於申請訊息的檢核訊息,並且利用跨鏈橋提供檢核訊息給在第二區塊鏈中的第二節點。在步驟S804中,在第二區塊鏈部署非同質化代幣合約,其中非同質化代幣合約響應於對應於檢核訊息的醫療資料的觸發而產生對應於醫療資料的非同質化代幣,其中非同質化代幣屬於第二節點。在步驟S805中,響應於取得非同質化代幣,利用跨鏈橋將非同質化代幣轉讓給在第一區塊鏈中的第一節點。在步驟S806中,傳送醫療資料給非同質化代幣的擁有者。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
綜上所述,本發明具有以下之特點及功效:(1)醫療證明使用區塊鏈NFT具有去中心化、透明的制度與流程和跨平台及無法竄改等特性,解決被保險人具有多家保險公司之保單時需為各個保單逐一申請資療證明而花費大量時間的問題,且解決申請醫療證明或保險理賠時需要臨櫃申請的缺點。(2)本發明採用兩個區塊鏈,簡化區塊鏈資料內容。區塊鏈之間有跨鏈橋。本發明採用hash錨定之跨鏈技術,使用智慧合約相互轉換跨鏈機制。資料跨鏈時由智慧合約計算跨鏈模組完整性,將hash值寫入區塊鏈中成為可追溯的鏈結。跨鏈轉換機制架構簡單,跨鏈具有彈性且自動完成智能合約,故可以隨時加入新服務並拓展業務,快速獲取不同領域之訊息與提升效率等優點,例如監控、政策落實、統計或收費等機制。相較於保險業者與醫療機構採用直接區塊鏈介接的傳統架構,本發明的架構具有較佳的擴展性。(3)本發明為區塊鏈設置管理伺服器,以執行NFT的管理、發行與確認等。本發明還利用NFT轉移作為授權證明,解決資料授權議題。本發明可在區塊鏈傳送資料的過程中通過使用雜湊值來確認完整性,優於傳統區塊鏈傳送資料時需要在同系統下共用協定的架構進行資料驗證。本發明由醫療機構提供NFT醫療證明具有公正性。在不同區塊鏈或操作環境性下,管理伺服器均能以高效率來執行醫療文件的驗證或交換。(4)本發明中的各項資料可採用格式化欄位,並使用雜湊樹串接各項資料。如此,可將原本無狀態的區塊鏈區塊,成為有資料串接狀態之對談機制,從而確認資料的完整性,快速為不同機構建立信任基礎。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:管理伺服器 110:處理器 120:儲存媒體 130:收發器 200:理賠申請伺服器 300:醫療機構伺服器 A、B:區塊鏈 A1、A2、B1、B2:節點 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:步驟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
圖1根據本發明的一實施例繪示用於醫療保險業務的區塊鏈架構的示意圖。 圖2根據本發明的一實施例繪示一種基於NFT的醫療保險的管理伺服器的示意圖。 圖3根據本發明的一實施例繪示醫療保險的申請階段的信令圖。 圖4根據本發明的一實施例繪示醫療保險的檢核階段的信令圖。 圖5根據本發明的一實施例繪示醫療保險的回覆階段的信令圖。 圖6根據本發明的一實施例繪示醫療保險的確認階段的信令圖。 圖7根據本發明的一實施例繪示醫療保險的收檔階段的信令圖。 圖8根據本發明的一實施例繪示一種基於NFT的醫療保險的管理方法的流程圖。 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:步驟 S801, S802, S803, S804, S805, S806: steps
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