TWM543422U - Decentralized insurance reward system - Google Patents

Abstract

The present creation discloses a decentralized insurance reward system applied to a block chain infrastructure network to manage a reward issued by an insurance company. The system comprises a reward element and a management element. The reward element is for providing to input information on the policyholder for generating the reward. The management element comprises a registration module for registering the generated reward; a transaction module for the policyholder to use the reward with transactions for generating a public ledger entry; and a public ledger module for receiving the public ledger entry and generating a public ledger. Compared with the prior art, the present creation discloses a decentralized insurance reward system with the decentralization features for avoiding the information of reward to be tampered and increasing the security of the insurance companies and policyholders.

Description

Decentralized insurance feedback system

This creation is about an insurance feedback system, in particular, an insurance feedback system that uses a regional chain of distributed data management.

With the development of society, the concept of insurance has gradually been accepted by the society, but there are still some people who believe that insurance is like throwing money into the water. If there is no risk, the money will go back and not be willing to buy protection. Therefore, insurance with a reward system was born.

It is customary to have insurance for the reward system, such as general investment insurance, savings insurance, or P2P group insurance that has been used in product insurance in recent years. This kind of insurance has the common feature that when the insurance risk is lower than When a set value is obtained, the policyholder receives some feedback, and the insurance company uses part of the profit to give back to the policyholder, which not only increases the willingness of the people to insure, but also reduces the risk of fraud. However, there are many ways to give back, including cash feedback and bonus points. However, most insurance companies tend to give bonuses or virtual currency to policyholders because of the bonus points or Virtual currency, in addition to exempting the issuing entity currency, can also determine the flow of money.

However, compared to cash currency, the biggest risk of using bonus points or virtual currency is that it is easy to be tampered with and forged. As long as the hacker enters the central computer for data modification, it can be arbitrarily To tamper with the balance of bonus points of any policyholder, it is very insecure for insurance companies or policyholders.

In recent years, with the rise of financial technology (Fintech), the technology of blockchain has gradually gained attention. The blockchain uses multiple nodes as blocks for data storage. The benefits for the financial industry include providing immediate clearing functions. Clearing at the moment of the transaction can reduce many time costs; another feature of the blockchain is decentralization, and all transactions are conducted in a peer-to-peer manner without the intervention of an intermediary. This will not only reduce the transaction fee, but more importantly, each transaction will be established after verification by multiple nodes, which means that if you want to tamper with the data, you must invade multiple nodes at the same time. Sexually improved.

In view of this, the present invention provides a decentralized insurance feedback system applied to a blockchain base network for managing the rebate issued by an insurance company, which includes a feedback production component and a management component. The feedback gold production component is connected to the blockchain base network to provide one of the insurance company's policyholders to input insurance information and generate the reward for the insured. The management component and the feedback gold production component are coupled to the blockchain base network for managing the feedback gold, and include a registration module for receiving and registering the feedback money generated by the policyholder; and a transaction module connected to the registration a module for providing an insured to use an feedback to conduct an electronic transaction with a merchant, and generating a public account of the reward, wherein the public account represents the transfer of ownership of the reward; and a book module connected to the transaction A module for receiving a public account of the feedback and maintaining a public account of one of the public accounts of the registered reward.

Wherein, the feedback gold production component further comprises a data input interface and a data Library, a query interface, and a processor. The insured enters the individual data from the data input interface and stores it in the database. The query interface is linked to the database. The credit information of the insured can be queried through the statistical database of the Joint Credit Information Center. An insured person's anecdote level information. The processor can calculate the reward according to the individual data credit data and the accident level data.

Further, the public account of the creation includes the transaction information transmitted from the node location of the feedback owner to the node location of the feedback recipient, the balance information of the feedback owner transaction, and the feedback money. The balance information after the recipient's transaction. In addition, the ledger module corresponds to each transaction corresponding to the registered feedback to generate a block.

In addition, the creative distributed insurance feedback system also includes a verification module, which is connected to the transaction module and the account book module for receiving and verifying the public accounts, and transmitting the verified public accounts to the account book module. . The verification public account includes a transaction feedback code, a transaction information, and verification of the balance information of a transaction party.

Compared with the prior art, this creation provides a decentralized insurance feedback system. The application of the blockchain technology combined with the application of insurance rewards not only has the advantages of avoiding the currency of the issuing entity, grasping the flow of money, but also because of the block. The decentralized nature of the chain saves transaction time, reduces handling fees and, more importantly, reduces the risk of intrusion and tampering, and increases the information security of insurance companies and policyholders.

10‧‧‧Returning gold production components

12‧‧‧Data input interface

14‧‧‧Database

16‧‧‧Query interface

17‧‧‧Joint Credit Information Center Statistics Database

18‧‧‧ processor

19‧‧‧Tangmao Network Database

20, 30‧‧‧Management components

22, 32‧‧‧ Registration Module

24, 34‧‧‧ trading module

26, 36‧‧‧ account module

38‧‧‧ verification module

100‧‧‧Distributed insurance feedback system

200‧‧‧ blockchain base network

Figure 1 is a functional block diagram of the distributed decentralized insurance feedback system.

Figure 2 is a functional block diagram of the feedback gold production component of the author of the distributed decentralized insurance feedback system.

3 is a functional block diagram of another embodiment of a management component of the inventive distributed insurance feedback system.

Please refer to FIG. 1. FIG. 1 is a functional block diagram of the distributed decentralized insurance feedback system 100. The present invention provides a decentralized insurance feedback system 100 for use in a blockchain base network 200 for managing a rebate issued by an insurance company, including a feedback production component 10 and a management component 20. The feedback gold production component 10 is coupled to the blockchain base network 200 for providing insurance policy for one of the insurance companies to enter insurance data and to generate the reward for the policyholder. The management component 20 and the feedback gold production component 10 are coupled to the blockchain base network 200, which can be regarded as a node in the blockchain network for managing the feedback gold, and includes a registration module 22 for receiving And registering the feedback generated by the insured; a transaction module 24 is connected to the registration module for providing the insured to use the feedback to conduct an electronic transaction with a merchant, and generating a public account of the reward, wherein the disclosure The account represents the transfer of ownership of the feedback; and a book module 26, connected to the transaction module, for receiving the public account of the feedback, and maintaining a public account consisting of the public account of the registered feedback this.

Please refer to FIG. 2, which is a functional block diagram of the feedback gold production component of the created distributed insurance feedback system. In one embodiment, the feedback gold production component 10 includes a data input interface 12, a database 14, a query interface 16, and a processor 18. The insured may enter the individual data into the data input interface 12, wherein the insured may be an insurance contract owner, a member of a community insurance group or a member of an OBD group car insurance, and the data input interface 12 may be a computer software or a mobile phone. Application or website form, but not limited to this. The input data includes the sex and age of the insured and stores the data in the database 14. Database 14 has to be linked to a query unit 16. The query unit 16 is connected to the joint credit information center 17 and the customs trade network database 19. The query unit 16 is networked to the joint credit information center statistical database 16, and the credit information of each insured member is inquired from the statistical data center 16 of the joint credit information center, and the network is connected to the customs trade network database 19, The anomaly level information of each insured member is inquired from the customs trade network database 19 and stored in the database 14. . The processor 18 is connected to the database 14 and reads the individual data of the insured, the credit data, and the accident level data from the database 14, and the risk factors of the insured can be generated according to the calculation. The processor 18 evaluates the risk rate setting value based on the risk factor and generates a feedback setting value (when the policyholder does not receive the feedback money). During the insurance period, when the average insurance rate of the insured is less than or equal to the set value of the risk rate, the return ratio can be calculated according to the risk rate after the end of the insurance contract, and a proportion of the return money is obtained. For example, at the beginning of the insurance contract, the applicant A enters the personal data from the feedback production component 10, and the calculated value of the risk rate and the set value of the reward are calculated by the processor 18, and if the insurance applicant A has a risk rate during the insurance period. Zero, after the insurance contract is over, the applicant A can receive 100% of the rebate generated by the feedback production component 10. The above embodiments only disclose a preferred method of producing feedback gold of the present invention. According to the principle of the present invention, modifications of the present invention including known or conventional practices in the field of the present invention should fall within the scope of the present invention.

Furthermore, the feedback generated by the feedback gold production component 10 is transmitted to the registration module 22 of the management component 20 via the blockchain base network 200 to generate a unique authentication number, wherein each feedback amount is minimized. Unit (similar to NT$1), or a separable unit (similar to NT$100, which can be split into two 50 yuan). If it is a separable unit, it will generate a sub-return for each sub-dividment. The number is attached to the parent number to identify the source. The insured can use the transaction module 24 to electronically trade the certified rewards with the merchant, which is selected from supermarkets, online shopping platforms, telecommunications operators, car rental companies, financial banks, life insurance companies, and professional sports. One or a combination of the group of companies. Each time a transaction is made, the transaction module 24 generates a public account, wherein the public account contains information: the return value of the transaction, and the feedback is transmitted from the node location of the return owner to a return recipient. The transaction information of the node location and the credit balance information after the transaction parties complete the transaction. In this embodiment, each public account can be regarded as one block, but in actual applications, time (for example, all public accounts within 10 minutes) or the number of pens (per 100 public accounts) can also be used. The partition is not limited to this.

In addition, the book module 26 of the present creation is responsible for managing the public accounts of the registered rewards. After receiving the public accounts (or blocks), the public accounts (or blocks) are linked to the blockchain. The plurality of blocks are connected into a public account (blockchain), wherein the public account is an open transparent information, and each management component (node) has a complete copy of the public account.

Please refer to FIG. 3. FIG. 3 is a functional block diagram of another embodiment of the present distributed decentralized insurance feedback system. In another specific embodiment of the present invention, the creative distributed insurance feedback system also includes a verification module 38, and each public account (or block) must be verified by the verification module 38. In the book module 36. The insured receives the feedback from the registration module 32 and registers with the transaction module 34 to conduct an electronic transaction with the merchant. After the transaction, a public account is generated, and the public account is transmitted to the block through the block base network 200. More than one management component, after verifying the data through the verification module in each management component, and depositing the verified public account into the account module, and broadcasting it to other management components (nodes), if any The management component responsible for verification indicates that the verification data does not match and the transaction is not recognized. The verification content includes the transaction feedback number, the transaction information, and the balance of the transaction parties. In practical applications, the transaction must be verified after several management elements (nodes), and can be set by the administrator.

Compared with the prior art, this creation provides a decentralized insurance feedback system. Using the technology of blockchain combined with the application of insurance rewards, the advantage of using feedback money is that it avoids the currency of the issuing entity and can also grasp the flow of money, and the decentralized nature of the blockchain can save transactions. Time, reduce the handling fee, and more importantly, the use of the characteristics of the complete public account and the authentication function in each node can almost completely avoid the risk of tampering and increase the information security of insurance companies and policyholders. Compared with Bitcoin technology, this creation allows each reward to have a unique code when registering. If you need to track the flow of feedback, you can avoid the tools of falling money laundering. The decentralized insurance feedback system of this creation can not only be used as a management system for insurance rewards, but also can cooperate with other enterprises in the future to become a universal and cross-platform feedback management system.

The features and spirit of the present invention are more clearly described in the above detailed description of the preferred embodiments, and the scope of the present invention is not limited by the preferred embodiments disclosed herein. On the contrary, it is intended to cover all kinds of changes and equivalences within the scope of the patent application to which the present invention is intended. Therefore, the scope of the patent scope applied for by this creation should be interpreted broadly based on the above description so that it covers all possible changes and equivalence arrangements.

10‧‧‧Returning gold production components

20‧‧‧Management components

22‧‧‧ Registration Module

24‧‧‧Transaction module

26‧‧‧book module

100‧‧‧Distributed insurance feedback system

200‧‧‧ blockchain base network

Claims (10)

A decentralized insurance feedback system applied to a blockchain base network for managing a rebate issued by an insurance company, comprising: a feedback feed production component connected to the blockchain base network Providing an input of insurance information of one of the insured persons of the insurance company, and generating the reward for the insured; and a management component coupled to the feedback chain production component to the blockchain base network for Managing the reward, comprising: a registration module for receiving and registering the reward of the policyholder; a transaction module connected to the registration module for providing the policyholder to use the reward and A merchant conducts an electronic transaction and generates a public account of the reward, wherein the public account represents a transfer of ownership of the reward; and a book module is coupled to the transaction module for receiving The public account of the reward is paid and the public account is composed of one of the public accounts of the registered reward. The distributed insurance feedback system of claim 1, wherein the feedback production component further comprises a data input interface, a database, and a processor, wherein the data input interface is used to input the individual data of the policyholder. The database is connected to the data input interface for storing the individual data, and the processor is connected to the database, and the reward is calculated according to the individual data and one risk factor of the policyholder. The decentralized insurance feedback system of claim 2, wherein the feedback production component further comprises an inquiry interface connected to the database for reporting to a joint The central statistical database queries one of the insured's credit data and queries a customs network database for a summary level information, and stores the information in the database, the processor may be based on the individual data, the credit data, the event level The data and the calculation of the risk factor produce the reward. The decentralized insurance feedback system of claim 1, wherein the public account includes transaction information that is transmitted from a node location of a feedback owner to a node location of a feedback recipient. The decentralized insurance feedback system described in claim 1 , wherein the public account includes a balance information of a feedback owner transaction and a balance information of a feedback recipient transaction. The decentralized insurance feedback system of claim 1, wherein the management component further comprises a verification module coupled to the transaction module and the account module for receiving and verifying the public account, and The verified public account is passed to the ledger module. The decentralized insurance feedback system described in claim 6 wherein the public account is verified to include a transaction feedback code, a transaction information, and verification of balance information of a transaction party. The decentralized insurance feedback system of claim 1, wherein the account module corresponds to each transaction of the registered rewards to generate a block. The distributed insurance feedback system described in claim 1 wherein the merchant is selected from the group consisting of a supermarket, an online shopping platform, a telecommunications operator, a car rental company, a financial bank, a life insurance company, and a professional sports company. One or a combination thereof. The decentralized insurance feedback system described in claim 1 wherein the insured person is an insurance contract owner, a member of a community insurance group, or a member of an OBD group automobile insurance.