TWI820360B - Community risk mutual aid system and server thereof - Google Patents

Abstract

The invention discloses a community risk mutual aid system for multiple users in the network community to share, bear or reduce a risk value, which includes a risk target receiving and authentication module, a smart contract creation module, and a smart contract invitation module. The risk target receiving and authentication module receives a risk target information as a qualified contract target, issues a contract target certificate according to the risk target information, and records the contract target certificate on a blockchain. The smart contract creation module generates a smart contract creation interface for a user to use so as to generate at least one trigger condition information or one performance condition information, and to create a fundraising or a matching smart contract based on the trigger condition information or one performance condition information as well as the risk target information, and the smart contract is recorded on a blockchain. The smart contract invitation module generates a smart contract member invitation interface for the user who created the smart contract to invite another user to participate in the smart contract, and records the participated smart contract on a blockchain.

Description

Community risk mutual assistance system and its server

The present invention relates to a community risk mutual aid system and its server, and in particular to a community risk mutual aid system and its server recorded in the blockchain through smart contract mode. In addition, the present invention relates to a board certificate issuance module used in a community risk mutual assistance system and its server.

In recent years, blockchain-related technologies have been widely used in Bitcoin transactions, and blockchain is simply a new accounting method; Bitcoin uses distributed ledgers to skip intermediaries through encryption technology. The bank allows all participants' computers to record accounts and confirm together, becoming a decentralized trading system. Therefore, in addition to encryption technology, the other most important concept in terms of blockchain technology is decentralization. Therefore, the Bitcoin trading system can be said to be the origin of decentralization!

Compared with Bitcoin, Ethereum is the underlying technology of the blockchain with the addition of "smart contracts". Smart contracts are contracts written in programs that cannot be tampered with and can be executed automatically. This technology is also called blockchain 2.0. The rise of smart contract technology has opened up many applications beyond virtual currencies such as Bitcoin, thus making the application of blockchain technology broader. For example, in applications in the food industry, all data from raw material production, processing, packaging, to shelf sales will be written into the blockchain database. Consumers can obtain the most complete production history of the food by scanning the packaging barcode. And this kind of production history cannot be tampered because it is recorded through the blockchain, thus giving consumers a good consumption safety guarantee.

From the above, it can be seen that today’s blockchain technology not only has the original characteristics of being untamperable and decentralized, but also has the convenience of contract type. Therefore, how to utilize the characteristics and convenience of contract-based blockchain technology in the currently popular online community is an important issue. In particular, how to use smart contracts to enable community users to share and bear risks in a contractual manner for contract objects with certain risks, or to mutually reduce the risk value of a certain risk object, is even more important today. A big topic.

In view of the above issues, the purpose of the present invention is to provide a system that allows community users to mutually assist risk sharing and bear on a risk contract object, or to mutually assist in reducing the risk value of a certain risk object; Another object is to provide a server that can be used with a terminal device and can execute the system. In addition, another object of the present invention is to provide a trigger certificate issuance module for issuing trigger certificates.

In order to achieve the above purpose, the present invention discloses a community risk mutual aid system for multiple users of the online community to share, bear or reduce a risk value with each other, which includes: a risk subject acceptance authentication module, a smart contract Create a module, and a smart contract invitation module; among them, the risk object receiving authentication module receives a risk object information as a qualified contract object, and uses the risk object information to issue a contract object certificate and record it in a zone Block chain; the smart contract creation module is connected to the risk target acceptance authentication module. The smart contract creation module generates a smart contract creation interface for users to generate at least one trigger condition information or at least one performance condition information, and A fundraising or matching smart contract is created based on the risk target information, and the smart contract is recorded on a blockchain; and the smart contract invitation module is linked to the smart contract creation module, and the smart contract invitation module The module generates a smart contract member invitation interface for users to invite another user to participate in the smart contract and record the participating smart contract on a blockchain. .

In one embodiment, the community risk mutual aid system further includes a management module, which is connected to the risk target acceptance authentication module, the smart contract creation module and the smart contract invitation module. The management module receives and records the contract target. Certificate, and record the contract's underlying certificate on the blockchain.

In one embodiment, the community risk mutual assistance system further includes a board certificate issuance module, which is connected to a smart contract creation module. The board certificate issuance module receives the risk subject information and the trigger condition information, and accordingly Issue a trigger token. The management module receives and records the boarding certificate, and records the boarding certificate on the blockchain.

In one embodiment, the community risk mutual aid system further includes an event authentication module that receives event information that triggers the trigger certificate; and a contract status processing module that is connected to the event authentication module respectively. The group is connected to the management module, and when the event information triggers the trigger voucher, a voucher settlement is performed based on the performance condition information.

In one embodiment, the community risk mutual assistance system further includes a valuable object receiving authentication module, which receives a valuable object information and determines whether the valuable object information meets a qualified valuable object; and a valuable object certificate. The issuance module is connected to the valuable object acceptance authentication module. The valuable object certificate issuance module receives the valuable object information authenticated by the valuable object acceptance authentication module and issues a valuable object certificate accordingly.

In one embodiment, the risk target information is risk target information related to animals and plants, or risk target information related to events, or risk target information related to objects.

In addition, to achieve the above object, the present invention also discloses a server, which is used in conjunction with a terminal device to execute the community risk mutual assistance system.

Furthermore, in order to achieve the above object, the present invention also discloses a board certificate issuance module, which is used by a plurality of users in the online community. The board certificate issuance module is connected to a smart contract creation module, and the smart contract creation module The module is connected to a risk subject acceptance authentication module. The risk subject acceptance certification module receives information about a risk subject. The smart contract creation module generates at least one trigger condition information. The board certificate issuance module receives the information belonging to a smart contract. The risk target information and the trigger condition information used to trigger the smart contract are used to issue a trigger token and record it on a blockchain.

To sum up, the community risk mutual aid system of the present invention is created through the online community through the risk subject information of a qualified contract subject and at least one trigger condition information or at least one performance condition information. A fundraising or matching smart contract, and the smart contract is recorded on a blockchain. Therefore, the smart contract can be used to target the contract subject matter with certain risks, so that online community users can Mutual risk sharing and undertaking in the form of contracts, or mutual assistance to reduce the risk value of a certain risk target. In addition, the server of the present invention can be used in conjunction with a terminal device and can execute the community risk mutual assistance system. Therefore, it can use smart contracts to enable community users to communicate with each other for contract objects with certain risks. Mutual risk sharing and undertaking can be carried out through contracts, or mutual aid can be used to reduce the risk value of a certain risk target.

1: Community risk mutual aid system

11: Risk target acceptance certification module

111:Contract subject information receiving unit

112:Contract subject information authentication unit

12:Smart contract creation module

13:Smart contract invitation module

131: Contract member recruitment unit

132: Contract member matching unit

14: Management module

15: Board certificate issuance module

16:Event authentication module

17:Contract status processing module

171:Contract object status processing unit

172: Voucher settlement unit

18: Priced bid receiving authentication module

181: Priced information receiving unit

182: Certification unit with price tag

19: Valuable certificate issuance module

2,3,4:User

Figure 1 is a block diagram of a community risk mutual aid system according to a preferred embodiment of the present invention.

Figure 2 is another block diagram of the community risk mutual aid system according to the preferred embodiment of the present invention.

Figure 3 is another block diagram of the community risk mutual aid system according to the preferred embodiment of the present invention.

FIG. 4 is a detailed block diagram of FIG. 3 according to the preferred embodiment of the present invention.

Figure 5 is a block diagram of the smart contract invitation module of the community risk mutual aid system according to the preferred embodiment of the present invention.

Figure 6 is another block diagram of the community risk mutual aid system according to the preferred embodiment of the present invention.

Figure 7 is another block diagram of the community risk mutual aid system according to the preferred embodiment of the present invention.

Figure 8 is another block diagram of the community risk mutual aid system according to the preferred embodiment of the present invention.

FIG. 9 is a block diagram of a board certificate issuance module according to a preferred embodiment of the present invention.

The following will describe preferred embodiments of the community risk mutual assistance system according to the present invention with reference to the relevant drawings, in which the same components will be described with the same reference symbols.

As shown in Figure 1, the community risk mutual aid system 1 of the present invention includes: a risk target acceptance authentication module 11, a smart contract creation module 12, and a smart contract invitation module 13. The smart contract creation module 12 is connected to the risk target acceptance authentication module 11, and the smart contract invitation module 13 is connected to the smart contract creation module 12. The risk target receiving authentication module 11 receives a risk target information sent by a user 2. In this embodiment, the risk target information can be risk target information related to animals and plants, or event-related risks. Target information, or risk target information related to the object. Furthermore, the risk target information related to the animal or plant is, for example: risk target information of a pet cat or pet dog getting sick, or the natural or natural risk information of a pet cat or dog. The risk subject information of accidental death; the risk subject information related to the event is, for example: the risk subject information of a certain flight delay incident, or the mutual aid logo information, etc.; and the risk subject information related to the object is, for example: a valuable antique , Risk target information on the risk of damage to calligraphy and painting.

Based on the above, and please refer to FIG. 4 , the risk target receiving authentication module 11 includes a contract target information receiving unit 111 and a contract target information authentication unit 112 . The contract subject information receiving unit 111 receives the risk subject information from any user in the online community, and the contract subject information authentication unit 112 determines whether the contract subject is risk subject information of a qualified contract subject, In this implementation, the so-called eligible contract subjects refer to the exclusion of illegal subjects or the exclusion of illegal subjects. A risky target. In addition, the risk subject information that is determined to be a qualified contract subject by the contract subject information authentication unit 112 is authenticated by the risk subject receiving authentication module 11 and then a contract subject certificate is issued and recorded on a blockchain.

As shown in Figure 1 or Figure 4, the smart contract creation module 12 generates a smart contract creation interface (not shown in the figure) for the user to generate at least one trigger condition information or one performance condition information. , the risk subject information is used to create a fundraising or matching smart contract, and the smart contract is recorded on a blockchain. However, the smart contract invitation module 13 generates a smart contract member invitation interface (not shown in the figure) for users to invite another user to participate in the smart contract and will have Participation in the smart contract is recorded on a blockchain. Please refer to Figure 4 again. The smart contract invitation module 13 includes a contract member recruitment unit 131 and a contract member matching unit 132. The contract member recruitment unit 131 generates a contract member recruitment interface (not shown in the figure) when the smart contract is a recruitment smart contract for use by these users to recruit contract members; and contract member matching Unit 132 is when the smart contract is a matching smart contract, a contract member matching interface (not shown in the figure) is generated for use by the users to recruit contract members.

To further illustrate the contract member recruitment unit 131 of the present invention, please refer to Figure 5 again. When a network user 2 initiates a recruitment smart contract, the contract member recruitment unit 131 generates a contract member recruitment interface for other parties to use. Network user 3 participates in the solicitation-type smart contract. Of course, it should be noted that the initiator shown in Figure 5 in this embodiment is only one person, and it can also be multiple people. The risk subject of this fundraising smart contract is, for example, if a flight that a certain person is traveling on is delayed, other participants (i.e. user 3) must share the risk of the flight delay, for example, jointly pay a certain amount of accommodation fees to the person whose flight is delayed. , in this specific embodiment, "flight delay" is the aforementioned trigger condition information, and "paying a certain amount of accommodation fee to the person whose flight is delayed" is the aforementioned performance condition information. It should be noted here that in this specific embodiment, any one of all participants can be a risk sharer or a claimant when a risk event occurs.

In addition, as shown in Figure 2, the community risk mutual aid system 1 of the present invention further includes a management module 14, which is connected to the risk target acceptance authentication module 11, the smart contract creation module 12 and the smart contract invitation module 13. The management module 14 receives and records the contract subject certificate, and records the contract subject certificate on the blockchain. As shown in Figure 3, the community risk mutual aid system of the present invention further includes a board The trigger certificate issuance module 15 is connected to the smart contract creation module. The trigger certificate issuance module receives the risk subject information and the trigger condition information, and issues a trigger token accordingly; and the management module System 14 receives and records the trigger certificate, and records the trigger certificate on the blockchain.

Please refer to FIG. 6 and FIG. 7 . The community risk mutual aid system 1 of the present invention further includes an event authentication module 16 and a contract status processing module 17 . The event authentication module 16 receives an event information that triggers the boarding certificate. The event information is, for example, the aforementioned "aircraft delay" information. It is worth mentioning here that the "aircraft delay" information can be provided by airports in various countries. Third-party information; the contract status processing module 17 is connected to the event authentication module 16 and the management module 14 respectively. The contract status processing module 17 includes a contract object status processing unit 171 and a certificate settlement unit 172. The contract object status processing unit 171 is connected to the event authentication module 16 and the management module 14. When the event information triggers the trigger certificate, the contract object status processing unit 171 changes the contract object certificate status through the management module 14; The certificate settlement unit 172 is connected to the contract object status processing unit 171 and the management module 14. The certificate settlement unit 172 receives the contract object certificate status and performs the certificate settlement according to the contract object certificate status. That is, when the event information triggers the trigger certificate, a certificate settlement is performed based on the performance condition information. The relevant certificate settlement instructions will be described in another specific embodiment later.

Please refer to FIG. 8 . The community risk mutual aid system 1 of the present invention further includes a valuable object receipt authentication module 18 and a valuable object certificate issuance module 19 . The valuable object reception authentication module 18 includes a valuable object information receiving unit 181, which receives the valuable object information; and a valuable object authentication unit 182, which is connected to the valuable object information receiving unit 181 and the valuable object certificate issuance module 19, The valuable object authentication unit 182 determines whether the valuable object information meets a qualified valuable object. The valuable object certificate issuance module 19 receives the valuable object information authenticated by the valuable object receiving authentication module, and issues a valuable object certificate accordingly. In this implementation, the so-called eligible valuable objects include, for example, legal and credible real or virtual cash, or Bitcoin, Ethereum, or valuable real estate, or a line of credit, etc.

Another specific embodiment will be described below. In this embodiment, the risk target information is "the pet cat gets sick within a certain period of time" of a certain online community user. For example, if the smart contract gets sick within one year after the smart contract is established, At this time, please refer to Figure 5 again. User 2 of the online community can invite The contract member matching unit 132 of the appointment module 13 invites another or a majority of online community users 4 who are willing to bear this risk subject to participate. In this specific implementation, the trigger condition information is "the pet cat is sick"; the performance condition information is "if the pet cat does not get sick within one year, the online community user 2 needs to pay X units of valuable certificates to the network According to social group user 4; if the pet cat becomes sick within one year, online community user 4 needs to pay Y units of valuable vouchers to online community user 2." Of course, if the online community user 4 is a plurality of people, they will equally share X units of valuable certificates or jointly share the payment of Y units of valuable certificates.

Following the above, as shown in Figure 8, the trigger condition information can come from information provided by a third party (the public). For example, the trigger condition information can come from an animal hospital. Since the animal hospital has credibility, the event is authenticated. The module 16 can directly authenticate the trigger condition information, and accordingly directly cause the system to enter the processing program of the contract status processing module 17, that is, the contract object status processing unit 171 executes the change of the contract object status, and through the certificate settlement unit 172 Obtain the certificate information of the valuable objects of the contract participants (users 2 and 4) from the self-management module 14 to perform the certificate settlement of the valuable objects. For example, if the online community user 4 originally holds Y ₀ units of price certificates, then when the pet cat of user 2 becomes ill within one year, the online community user 4 will hold the certificate after paying Y units. If there is a certificate of a price target, it will become (Y ₀ -Y) units. On the contrary, if the online community user 2 originally held a certificate of a price target of X ₀ units, the certificate of a price target he holds will become (X ₀ +Y) unit. In this specific implementation, if the value certificate of Y ₀ units held by online community user 4 is not enough to pay for Y units, a breach of contract procedure will be carried out. When the underlying evidence of Y ₀ units is sufficient to pay for Y units, the contract is terminated. Of course, for some risk targets, online community users4 can continue to renew after payment, such as monthly fixed bidding meetings or the aforementioned flight delays and other risk targets. In fact, they can be based on the number of periods or according to Continue to execute the contract for the number of times! When the certificate settlement unit 172 of the contract status processing module 17 performs settlement of the valuable certificate, it transmits the results to the management module and records them in a blockchain respectively.

Please refer to Figure 9 again. The trigger certificate issuance module 15 in this embodiment can also directly receive a risk target information and a trigger condition information used to trigger the smart contract, thereby issuing a trigger certificate ( trigger token) and recorded on a blockchain.

Another embodiment of the present invention provides a server, which is used in conjunction with a terminal device to execute the aforementioned community risk mutual aid system. The main purpose of the community risk mutual aid system is The functions and technologies are roughly the same as those mentioned above, so they are omitted here and will not be repeated! However, it should be noted that in another embodiment of this invention, the terminal used in conjunction with the server can be a personal computer, notebook computer, tablet computer, or mobile phone.

To sum up, the community risk mutual aid system 1 of the present invention can generate a qualified risk object through the risk object receiving authentication module; and can generate at least one trigger condition information or one through the smart contract creation module 12. The performance condition information is combined with the risk subject information to create a recruitment-type or a matching-type smart contract, and the smart contract invitation module 13 is used to complete the member recruitment or matching of the smart contract, so it can be used by online communities. Group members help each other, share or bear risks for a risk target, thereby reducing the risk value that users of a certain online community must bear. In addition, because the contract subject certificates, trigger certificates, and various smart contracts of the community risk mutual aid system 1 of the present invention are all recorded on the blockchain, it can ensure that the rights and obligations of each user are fully realized. Assure! In addition, since the server of the present invention is used to implement the community risk mutual aid system, the server of the present invention can use smart contracts to establish contracts between online community users for contract objects with certain risks. To carry out mutual risk sharing and assuming, or to mutually reduce the risk value of a certain risk target.

The above is only illustrative and not restrictive. Any equivalent modifications or changes that do not depart from the spirit and scope of the present invention shall be included in the appended patent scope.

1: Community risk mutual aid system

11: Risk target acceptance certification module

12:Smart contract creation module

13:Smart contract invitation module

2:User

Claims (16)

A community risk mutual aid system for multiple users of an online community to share, bear or reduce a risk value with each other, including: a risk subject acceptance authentication module, which receives a risk subject information as a qualified contract subject, and A contract object certificate is issued through the risk object information; a smart contract creation module is linked to the risk object acceptance authentication module, and the smart contract creation module generates a smart contract creation interface for users to use. Generate at least one trigger condition information or at least one performance condition information, and create a matching smart contract based on the risk subject information. The smart contract is recorded on a blockchain; a smart contract invitation module, linked In the smart contract creation module, the smart contract invitation module generates a smart contract member invitation interface for users to invite another user to participate in the smart contract, and will have The participating smart contracts are recorded on the blockchain; a management module is connected to the risk subject acceptance certification module, the smart contract creation module and the smart contract invitation module. The management module receives and records the The contract subject certificate is recorded on the blockchain; and a trigger certificate issuance module is connected to the smart contract creation module. The trigger certificate issuance module receives the risk subject information and the risk target certificate. Trigger condition information, based on which a trigger certificate is issued; the risk target information is risk target information related to animals and plants, or risk target information related to objects; the management module receives and records the trigger certificate , and record the board certificate on the blockchain. The community risk mutual assistance system as described in claim 1, wherein the risk subject receiving authentication module includes: a contract subject information receiving unit, which receives the risk subject information; and a contract subject information authentication unit, which is linked to the The contract subject information receiving unit certifies whether the risk subject information is a qualified contract subject, and issues the contract subject certificate accordingly. The community risk mutual aid system as described in claim 1, wherein the smart contract invitation module includes: A contract member matching unit, when the smart contract is a matching smart contract, generates a contract member matching interface for use by the users to recruit contract members. The community risk mutual aid system described in request item 1 further includes: an event authentication module that receives event information as a triggering certificate for the trigger; and a contract status processing module that is respectively associated with the event. The authentication module is connected to the management module, and when the event information triggers the boarding certificate, a certificate settlement is performed based on the performance condition information. The community risk mutual aid system as described in claim 4, wherein the contract status processing module includes: a contract target status processing unit connected to the event authentication module and the management module, and the contract target status processing unit is After the event information triggers the trigger certificate, the certificate status of the contract subject is changed; and a certificate settlement unit is connected to the contract subject status processing unit and the management module. The certificate settlement unit receives the contract subject certificate status and calculates the certificate status according to the event information. The contract's underlying certificate status is used for settlement of the certificate. The community risk mutual assistance system described in claim 1 further includes: a valuable object receiving authentication module, which receives information about a valuable object and determines whether the valuable object information is qualified as a valuable object; and a valuable object. The valuable object certificate issuance module is connected to the valuable object receipt authentication module. The valuable object certificate issuance module receives the valuable object information authenticated by the valuable object acceptance authentication module, and issues a valuable object certificate accordingly. The community risk mutual assistance system described in claim 6, wherein the valuable object receiving authentication module includes: a valuable object information receiving unit, which receives the valuable object information; and a valuable object authentication unit, which links the valuable object information. The receiving unit and the certificate issuance module of the valuable object, the certification unit of the valuable object determines whether the information of the valuable object meets the qualified valuable object. The community risk mutual assistance system as described in claim 4 or claim 5, wherein the certificate settlement is a certificate settlement with a price. A server is used in conjunction with a terminal device to execute a community risk mutual assistance system. The community risk mutual assistance system includes: A risk subject acceptance certification module receives a risk subject information as a qualified contract subject, and uses the risk subject information to issue a contract subject certificate; a smart contract creation module is linked to the risk subject acceptance certification module , the smart contract creation module generates a smart contract creation interface for users to generate at least one trigger condition information or at least one performance condition information, and create a matching smart contract based on the risk subject information. , the smart contract is recorded on a blockchain; a smart contract invitation module is linked to the smart contract creation module, and the smart contract invitation module generates a smart contract member invitation interface for users to use. For the user who created the smart contract to invite another user to participate in the smart contract, and record the participating smart contract on the blockchain; a management module that links the risk subject receiving authentication module, the smart contract The contract creation module and the smart contract invitation module, the management module receives and records the contract subject certificate, and records the contract subject certificate on the blockchain; and a board certificate issuance module, linked to the Smart contract creation module, the trigger certificate issuance module receives the risk subject information and the trigger condition information, and issues a trigger certificate accordingly; wherein the risk subject information is risk subject information related to animals or plants, or It is the risk target information related to the object; the management module receives and records the trigger certificate, and records the trigger certificate on the blockchain. The server as described in request item 9, wherein the risk subject receiving authentication module includes: a contract subject information receiving unit, which receives the risk subject information; and a contract subject information authentication unit, which is linked to the contract subject information The receiving unit verifies whether the risk subject information is a qualified contract subject, and issues the contract subject certificate accordingly. The server described in request item 9, wherein the smart contract invitation module includes: a contract member matching unit, when the smart contract is a matching smart contract, a contract member matching interface is generated to For use by such users to recruit contract members. The server as described in request item 9, wherein the community risk mutual assistance system further includes: an event authentication module that receives event information that triggers the board certificate; and a contract status processing module that respectively Connected to the event authentication module and the management module, when the event information triggers the trigger certificate, a certificate settlement is performed based on the performance condition information. The server as described in request item 12, wherein the contract status processing module includes: a contract target status processing unit connected to the event authentication module and the management module, and the contract target status processing unit is used to process the event information After the trigger certificate is triggered, the certificate status of the contract subject is changed; and a certificate settlement unit is connected to the contract subject status processing unit and the management module. The certificate settlement unit receives the contract subject certificate status and calculates the certificate status according to the contract subject. The voucher status is used to settle the voucher. The server as described in claim 9, wherein the community risk mutual assistance system further includes: a valuable object receiving authentication module, which receives a valuable object information and determines whether the valuable object information is qualified as a valuable object. ; And a valuable object certificate issuance module, linked to the valuable object acceptance authentication module, the valuable object certificate issuance module receives the valuable object information authenticated by the valuable object acceptance authentication module, and issues a valuable object certificate accordingly . The server as described in claim 14, wherein the valuable object receiving authentication module includes: a valuable object information receiving unit, which receives the valuable object information; and a valuable object authentication unit, which is connected to the valuable object information receiving unit and The valuable object certificate issuance module and the valuable object certification unit determine whether the valuable object information meets the qualified valuable object. The server as described in claim 12 or claim 13, wherein the certificate settlement is a certificate settlement with a price tag.

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