TWM637418U - Blockchain system applied to insurance operations - Google Patents

Abstract

This disclosure is about a blockchain system applied to insurance operations, especially to insurance amortization, recovery, and co-insurance operations. The blockchain system allows multiple users to share and process insurance case information in real time through one or more modules and specific data structure configurations, while ensuring the security and authenticity of the data, making it possible for multiple parties to More efficient completion of insurance amortization, recovery and co-insurance operations.

Description

Blockchain system applied to insurance operations

The present invention relates to a system applied in the insurance field, and in particular to a system using a block chain system to perform insurance operations.

In the operation process of insurance claims, case reporting and data exchange are still mainly done manually. Although there are digital systems for case management and tracking, co-insurance cases usually involve multiple insurers. Based on data security and Due to the consideration of confidentiality, there is currently no communication platform for various insurance companies to exchange data, so that cases involving co-insurance claims require a lot of manpower and time for data exchange and verification, and every step of claim settlement needs to be repeated Verifying the correctness and authenticity of the exchanged information makes the claim settlement process lengthy and prevents efficient insurance amortization.

In view of this, in order to improve the defects of the prior art and improve the efficiency of the overall insurance operation, there is an urgent need in this field for a novel insurance claim settlement system and method to improve the deficiencies of the prior art.

The novel content is intended to provide a simplified summary of the disclosure to provide the reader with a basic understanding of the disclosure. This summary is not an exhaustive overview of the disclosure, and it is not intended to identify key/critical elements of embodiments of the invention or to delineate the scope of the invention.

One aspect of the present disclosure relates to a blockchain system applied to insurance operations, the system includes a blockchain, a first user end and a second user end. The blockchain system provided in this disclosure can provide multiple users to share insurance case data, while maintaining the authenticity and security of the data, so as to implement insurance amortization, recovery and joint insurance in a timely and efficient manner. The purpose of safeguarding work.

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

The configuration of the second user terminal is similar to that of the first user terminal, and it is provided with a second database, a second file processing module and a second service module connected to each other by communication. The second database is used to store a plurality of second insurance cases, the second file processing module is used to access these second insurance cases in the second database, and the second service module is used to execute the following step: a) Create a second new insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the blockchain, and if so, then the first insurance case corresponding to the shared insurance case in the blockchain 2. The common information of the new insurance case is stored in the second database to form a newly added second insurance case, wherein the first insurance case and the second insurance case have the same common information; and b) Based on the common information of the second insurance case, obtain the non-public information corresponding to the first insurance case through the first file processing module of the first client, access and associate it as the non-public information of the second insurance case , and stored in the second database.

According to an embodiment of the disclosure, the first user end and the second user end respectively include a monitoring module, which monitors and detects whether there are new shared insurance cases in the blockchain.

In a specific implementation, if in the blockchain system disclosed in this disclosure, the shared insurance case is added to the blockchain, and the shared insurance case is established by the second user, and corresponds to a In the second insurance case, the monitoring module at the first user end is also used to perform the following steps: When the newly added shared insurance case is monitored, it is judged whether the shared insurance case is related to the first user, and if yes, a new insurance case corresponding to the shared insurance case is added to the first database ;as well as Based on the common information of the first insurance case, the non-public information corresponding to the second insurance case is obtained through the second file processing module of the second client, accessed and associated as the non-public information of the first insurance case, and stored in the first database.

According to a preferred embodiment, the first user end and the second user end correspond to the first insurer and the second insurer respectively, and the shared insurance case in the block chain includes relative to the first insurer and An underwriter identification characteristic of the second underwriter.

In addition, in yet another specific implementation manner, the first service module of the first user end or the second service module of the second user end is used to update the joint amortization information of shared insurance cases in the blockchain. In a non-limiting implementation, the common amortization information is an amortization ratio.

Another aspect of this disclosure relates to a method for executing insurance operations using the block chain system shown in any of the above-mentioned embodiments. Through the construction of the system, data exchange can be performed in real time between each user end, and efficient Complete the insurance amortization work in a timely manner.

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

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

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

Unless otherwise defined in this specification, the meanings of scientific and technical terms used herein are the same as those understood and commonly used by those skilled in the art to which this invention belongs. In addition, the singular nouns used in this specification include the plural forms of the nouns, and the plural nouns used also include the singular forms of the nouns, unless the context conflicts with the context.

In order to solve the shortcomings of the previous technology, the co-insurance claim settlement process is complicated, and the process of tracking the progress of the case and verifying the data is quite time-consuming and requires a lot of manpower. Therefore, this new model provides a novel digital process and system, which is based on the blockchain system, so that different users can share co-guaranteed data through the blockchain, and through a specific file exchange method, let Mutual trust, synchronization and real-time data exchange can be achieved between each user end. In a preferred embodiment, the method and system disclosed in the present invention are applicable to co-insurance cases, especially in the process of insurance amortization or recovery.

FIG. 1 shows a schematic diagram of a computer device 100 running a blockchain system 200 for insurance operations according to an embodiment of the present disclosure. Referring to FIG. 1 , the computer device 100 includes a communication unit 110 , a storage unit 120 and a processing unit 130 . The communication unit 110 is used for sending and receiving information. For example, the computer device 100 in the embodiment will exchange information through the communication unit 110 . In addition, the communication unit 110 also transmits and receives inquiry commands of various types of information. In this embodiment, the communication unit 110 is implemented by using a communication chip, such as supporting components such as Ethernet, optical fiber communication network, telecommunication cable network, wireless fidelity (Wi-Fi) system, etc. , or other chips that support standard communication specifications formulated by the Institute of Electrical and Electronics Engineers (IEEE), can be used in this disclosure.

The storage unit 120 is used to store various necessary information and necessary program codes for running the novel blockchain system 200 . The storage unit 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 (HDD), Solid State Drive (SSD) or similar components or a combination of the above components for implementation, the disclosure is not limited thereto.

The processing unit 130 is connected to the communication unit 110 and the storage unit 120 to run necessary operations and functions of the blockchain system 200 . In an embodiment of the present disclosure, the processing unit 130 is, for example, a central processing unit (Central Processing Unit, CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processing Digital Signal Processor (DSP), Programmable Controller, Application Specific Integrated Circuit (ASIC) or other similar components or combinations thereof, the disclosure is not limited thereto. It is worth mentioning that although there is only one processing unit 130 in Figure 1, in different embodiments of the present disclosure, the number of processing units 130 may also be plural, for example, for each system The modules are all configured with a processing unit 130 for calculation, and the present disclosure is not limited thereto.

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

The blockchain system 200 of the present invention includes a first client 210 , a second client 220 and a blockchain 280 , and each of these components is communicatively connected to each other. Those with ordinary knowledge in the technical field of the present invention should understand that the first user terminal 210 and the second user terminal 220 can be run by independent computer devices, but they are not limited to this aspect.

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

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

In addition, the first user terminal 210 and the second user terminal 220 of the present invention can be additionally equipped with a monitoring module (not shown in the figure) to monitor whether there is a new shared insurance case in the block chain 280, and when detecting When a new shared insurance case is added, it is judged whether the shared insurance case is related to the respective user, and if yes, the first or second insurance case corresponding to the shared insurance case is added to the first database 216 or the second database 226.

In addition, in order to avoid the operation of the novel blockchain system 200 being affected by the damage of a single user end, the new blockchain system 200 can also establish a backup mechanism, for example, a backup storage node is established at the first user end 210, When any other user end fails, the service module of each user end can be connected to the backup storage node of the first user end 210 for transactions.

Fig. 3 shows a schematic flow chart of the application of the blockchain system of the present invention to the insurance operation method shown in an embodiment of the present invention. The embodiment in FIG. 3 is at least applicable to the blockchain system 200 in FIG. 2 , but is not limited thereto. The following will describe the flow of the insurance operation method with the block chain system 200 in FIG. 2 .

First, in step 301, the first user 210 establishes the first new insurance case, and then in step 303, inquires whether there is a shared insurance case corresponding to the first new insurance case in the block chain 280. This step is the primary key to establishing an insurance case , to preliminarily confirm whether to establish the same shared insurance case through other users, so as to avoid the situation of repeatedly establishing the same insurance case. After confirming that there is no corresponding shared insurance case in the blockchain 280, the first user 210 stores the first new insurance case in the first database 216 through the first file processing module 214 to form a newly added first insurance case. case, and create a new shared insurance case in the block chain 280 (step 305). It should be noted that, in a preferred implementation manner, the first insurance case includes common information and non-public information, wherein the common information includes joint compensation information and case information, and the non-public information is audit documents or personal data and other relevant information. It should be noted that the information in the first insurance case uploaded to the blockchain 280 in step 305 only includes common information, and data exchange and sharing is carried out through the blockchain 280. Non-public information refers to non-uploaded blockchain 280, and It is the information that the co-insurance company exchanges data with the corresponding user terminal, and can directly exchange data between the user terminals through other secure communication methods. In an optional implementation, the common information includes basic case information and amortization data. Taking property insurance as an example, the case information includes, but is not limited to, compensation company, claim amount, compensation certificate number, accident date, The payment vehicle number, the identity card number of the party concerned, and the amortization information can be the compensation company, insurance card number, and amortization amount.

Those in the technical field of the present invention should be able to understand that the case information uploaded to the block chain 280 is formed in an encrypted hash manner. Next, in step 307, the second user creates a second new insurance case, and then, in step 309, inquires whether there is a shared insurance case corresponding to the second new insurance case in the block chain 280 . If so, retrieve the common information of the second new insurance case corresponding to the shared insurance case in the block chain 280 to the second database 226 to form a newly added second insurance case. It should be noted that the first The first insurance case of the user end 210 and the second insurance case of the second user end 220 are substantially the same insurance case and have the same common information. Moreover, based on the common information of the first insurance case and the second insurance case, the second service module 222 of the second user terminal 220 can also use the common information of the second insurance case to, through the first user terminal The first file processing module 214 of 210 obtains the non-public information corresponding to the first insurance case, accesses and associates it as the non-public information of the second insurance case, and stores it in the second database 226 (not shown in the figure) ). It can be seen that this new model divides the data of insurance cases into different levels, one is common information, and the other is non-public information, and uses two different channels to share data with different users. On the platform, whether there are any insurance cases related to each user end, after the relevant insurance cases are updated in real time, if you need to further obtain non-public information about the corresponding insurance cases in other user ends, you can use other information connection channels to submit to The corresponding users obtain other non-public information in insurance claims, so as to achieve real-time sharing and effective control of the transmission of insurance case data, and achieve the mutual trust and mutual assistance effect of each user.

Fig. 4 is a schematic flow diagram of the application of the blockchain system 200 of the present invention to the insurance operation method according to another embodiment of the present invention.

In this embodiment, a second new insurance case is created by the second user end 220 (step 401), and the user end 401 inquires through the second service module 222 whether there is a corresponding first insurance case in the block chain 280. The shared insurance case of the second new insurance case (step 403), if there is no second user end 220, the second new insurance case is stored in the second database 226 to form a newly added second insurance case, which is stored in the blockchain 280 to create a new shared insurance case (step 405). In this embodiment, the first user end 210 may be equipped with a monitoring module, and when it monitors that there is a new shared insurance case in the blockchain 280, it determines whether it is related to the first user end 210 (step 407) . Those with ordinary knowledge in the technical field of this model should be able to understand that the common information of the shared insurance case may include compensation companies, and it may include the tag information of these compensation companies in the node information, so that the corresponding user end can Identify whether the shared insurance case is an insurance case belonging to the respective user end. If the shared insurance case is a related case, the first client 210 creates a first new insurance case through the first service module 212 and the first file processing module 214 and stores it in the first database 216, and simultaneously retrieves the Get the information of the first new insurance case corresponding to the shared insurance case (step 411). Moreover, the first client 210 exchanges files of non-public information with the second client 220 through other secure connection methods, for example, through P2P, the first service module 212 of the first client 210 and the second client The second file processing module 224 of 220 is connected to retrieve the non-public information of the insurance case to be obtained (step 413 ).

FIG. 5 shows a schematic flow diagram of the application of the blockchain system 200 in an insurance claim settlement method according to an embodiment of the present invention.

In an embodiment, the first user terminal 210 and the second user terminal 220 may correspond to two different insurance companies. When the first user terminal 210 receives the claim information (step 501), the first service module 212 of the first user terminal 210 inquires in the blockchain 280 whether the peer has established a relationship in the blockchain 280 shared insurance case (step 503); if not, the first client 210 creates a new first insurance case through the first service module 212 and the second file processing module 214 and stores it in the first database 216, And create a new shared insurance case in the block chain 280 (step 505). When the corresponding compensation company (that is, the second user end) monitors the related shared insurance case in the block chain 280 through its monitoring module (step 507), through the second service module of the second user end 220 The group 222 and the second file processing module 224 create a new second insurance case in the second database 226, and simultaneously retrieve the information of the second insurance case corresponding to the shared insurance case (step 511). It should be noted that the The above block chain 280 only contains the common information of insurance cases, therefore, the second user end 220 obtains non-public information from the second file processing module 214 of the first user end 210 through the second service module 222 (step 513 ), for example, the basic information of the parties and review documents, etc. The first user end 210 completes the settlement of claims and claims settlement (step 515), uploads the actual amortization data in the first insurance case to the blockchain 280 to update the shared insurance case (step 517), and the second user end 220 will Synchronously monitor the shared insurance case through the second file processing module 224 to update the second insurance case in the second database 226, and then the second user 220 can also upload the amortization data 519 to the block chain 280 and update it Shared insurance cases. The first user terminal 210 detects through the monitoring module that the shared insurance case has been updated and completed the compensation operation, and finally files and closes the case (step 521 ). In view of this, through this new type of blockchain system, the amortization status of each user (that is, corresponding to each joint compensation company) can be monitored in real time,

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

To sum up, the blockchain system proposed by this new model enables data exchange between users through different channels, achieves real-time sharing of data, speeds up claims settlement, reduces human errors, and improves operational efficiency. The block chain system architecture can take into account the privacy of each user and guarantee the confidentiality of the data exchanged between the two parties of the compensation company.

Although the specific embodiments of the present invention are disclosed in the above embodiments, they are not intended to limit the present invention. Those who have ordinary knowledge in the technical field of the present invention, without departing from the principle and spirit of the present invention, should Various alterations and modifications can be made to it, so the scope of protection of the present invention should be defined by the scope of the appended patent application.

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

In order to make the above and other purposes, features, advantages and embodiments of the present invention more clearly understood, the accompanying drawings are described as follows:

FIG. 1 shows a schematic diagram of a computer device 100 running the blockchain system 200 for insurance operations according to an embodiment of the present disclosure; Figure 2 is a schematic configuration diagram of a block chain system 200 for insurance operations shown according to an embodiment of the present invention; Figure 3 shows a schematic flow diagram of the application of the new block chain system to the insurance operation method shown in an embodiment of the present invention; Figure 4 shows a schematic flow diagram of the application of the new block chain system to the insurance operation method shown in another embodiment of the present invention; and Fig. 5 shows a schematic flow diagram of the application of the blockchain system of the present invention to the insurance operation method shown in another embodiment of the present invention.

In accordance with common practice, the various features and elements in the drawings have not been drawn to scale, but have been drawn in such a way as to best present specific features and elements relevant to the present invention. In addition, the same or similar reference numerals refer to similar elements/components in different drawings.

200: Blockchain system

210: The first user end

212: The first service module

214: The first file processing module

216: First Database

220: the second user end

222: Second service module

224: Second file processing module

226: Second database

280: Blockchain

Claims (6)

A blockchain system for insurance operation process, including: A block chain to store multiple shared insurance cases; A first user terminal is communicatively connected to the block chain, and the first user terminal includes a first database, a first file processing module and a first service module to communicate with each other, wherein: the first database is used to store a plurality of first insurance cases; The first file processing module is used to access the first insurance cases in the first database; and The first service module is used to perform the following steps: a) Create a first new insurance case and query whether there is a shared insurance case corresponding to the first new insurance case in the block chain, if not, store the first new insurance case in the first database , forming a newly added first insurance case, wherein the first insurance case includes a joint information and a non-public information, wherein the joint information includes a joint compensation information and a case information; and b) Create a new shared insurance case in the block chain, which corresponds to the common information of the first insurance case added in step a); A second user terminal is connected to the block chain and the first user terminal, and the second user terminal includes a second database, a second file processing module and a second service module to communicate with each other ,in: the second database is used to store a plurality of second insurance cases; The second file processing module is used to access the second insurance cases in the second database; and The second service module is used to perform the following steps: a) Create a second new insurance case and query whether there is a shared insurance case corresponding to the second new insurance case in the block chain, and if so, extract the shared insurance case corresponding to the block chain to form a The second insurance case is newly added, wherein the first insurance case and the second insurance case have the same common information; and b) Based on the common information of the second insurance case, obtain the non-public information corresponding to the first insurance case through the first file processing module of the first client, access and associate it as the non-public information of the second insurance case , and stored in the second database. The blockchain system as described in claim 1, wherein the first user end and the second user end further include a monitoring module, which monitors and detects whether the shared insurance case is added to the blockchain. The blockchain system as described in claim 2, wherein the shared insurance case is newly added to the blockchain, and the shared insurance case is created by the second user and corresponds to a second insurance case, The monitoring module at the first user end is also used to perform the following steps: When the newly added shared insurance case is monitored, it is judged whether the shared insurance case is related to the first user, and if yes, a new insurance case corresponding to the shared insurance case is added to the first database ;as well as Based on the common information of the first insurance case, the non-public information corresponding to the second insurance case is obtained through the second file processing module of the second client, accessed and associated as the non-public information of the first insurance case, and stored in the first database. The blockchain system as described in Claim 1, wherein the first user and the second user correspond to a first insurer and a second insurer respectively, and the shared insurance cases in the blockchain include relative An underwriter identification feature for the first insurer and the second insurer. The blockchain system as described in claim 1, wherein: The first service module of the first user end or the second service module of the second user end is used to update the joint amortization information of the shared insurance case in the block chain. The blockchain system as described in Claim 4, wherein the joint compensation information is a compensation ratio.

Images