TWI871021B - Method of block-chain-based mutual insurance - Google Patents

Abstract

In a method of block-chain-based mutual insurance, a mutual insurance server system connected to a block chain system is configured to perform the steps of: obtaining the insurance information of a user to be insured and a want-to-join mutual insurance portfolio; determining whether an insurance verification result corresponding to the insurance information has been approved; generating an insurance number and an encryption key when the insurance verification result is approved; using the encryption key to encrypt a part of the insurance information; determining whether the encrypted insurance information meets the insurance requirements of the want-to-join insurance portfolio; when it is determined that the insurance requirements are met, adding an insurance record including the encrypted insurance information, the insurance number and the corresponding insurance content to the block chain.

Description

Blockchain-based mutual insurance method

The present invention relates to an insurance method and system, and more particularly to a mutual insurance method based on blockchain.

The insurance industry often uses paper or electronic files to record users' insurance information. However, paper files are difficult to preserve and require storage space. Although electronic files are stored in computer systems to save space, they are prone to human error or deliberate tampering when inputting files, making it impossible to ensure the authenticity of electronic files. In addition, the current premium of mutual insurance is calculated based on the insurance information of all mutual aid members in the mutual insurance portfolio (for example, the number of mutual aid members at the time, the number of people who meet the payment conditions at the time, etc.), so the premium for each period must be recalculated. However, the premium calculation process is also subject to the possibility of being arbitrarily changed and lacks credibility.

Therefore, for mutual insurance, how to ensure the authenticity of user insurance information and premium calculation process has become one of the issues that relevant technical fields want to solve.

Therefore, the purpose of the present invention is to provide a mutual insurance method based on blockchain, which can overcome at least one shortcoming of the prior art.

Therefore, the mutual insurance method based on blockchain provided by the present invention is implemented by a mutual insurance server system connected to a blockchain system via a communication network. The mutual insurance server system includes a data processing unit, a database connected to the data processing unit, and a blockchain processing unit connected to the data processing unit. The database stores a plurality of insurance contents corresponding to a plurality of mutual insurance packages, and each insurance content includes the insurance requirements of the mutual insurance package corresponding to the insurance content. The blockchain-based mutual insurance method comprises the following steps: (A) the data processing unit obtains insurance information of a user to be insured and a mutual insurance combination that the user to be insured wants to join, and the mutual insurance combination to be joined is one of the mutual insurance combinations; (B) the data processing unit obtains an insurance review result corresponding to the insurance information, and determines whether the insurance review result has passed the review; (C) when the data processing unit determines that the insurance review result has passed the review, When the application is approved, the data processing unit generates an insurance number and an encryption key corresponding to the user to be insured, wherein the insurance number indicates the mutual insurance group to be added; (D) the data processing unit obtains information features corresponding to the insurance information, and stores a data including the insurance information, the insurance number, the encryption key and the information features as a user insurance record corresponding to the user to be insured in the database; (E) the data processing unit uses the encryption key to (F) after the blockchain processing unit receives the insurance number and the encrypted insurance information, the blockchain processing unit obtains the insurance content corresponding to the mutual insurance group to be added from the database according to the insurance number, and determines whether the encrypted insurance information meets the requirements of the mutual insurance group to be added. and (G) when the blockchain processing unit determines that the encrypted insurance information meets the insurance requirements, the blockchain processing unit transmits an insurance request including the encrypted insurance information, the insurance number and the corresponding insurance content to the blockchain system, so that the blockchain system adds an insurance record corresponding to the insurance request and including the encrypted insurance information, the insurance number and the corresponding insurance content to a blockchain.

The utility of the present invention is that by adding the insurance record to the blockchain, each time the insurance record is changed, it will be recorded in the blockchain, which is convenient for users to verify and trace, and ensures the authenticity of the insurance record and the subsequent process of calculating the insurance premium based on the insurance records of all users. In addition, since the insurance information of each user to be insured will be encrypted with the encryption key corresponding to the user to be insured before being added to the blockchain, the blockchain has data transparency while also protecting the privacy of users.

Before the present invention is described in detail, it should be noted that similar elements are represented by the same reference numerals in the following description.

Referring to FIG. 1 , the embodiment of the blockchain-based mutual insurance method of the present invention is implemented by a mutual insurance server system 1 connected to a client 103, a blockchain system 101 including a blockchain 102, and an audit terminal 104 via a communication network 100. The mutual insurance server system 1 includes a platform server 11 for providing an information platform 111, a data server 12 for providing a database 121, a data processing unit 131, a blockchain processing unit 132, and a billing unit 133. The information platform 111 (e.g., a website), a client terminal 103 used by any user can communicate with the platform server 11 through the website via the communication network 100 to transmit or receive data. The data processing unit 131, the blockchain processing unit 132, and the billing unit 133 can be integrated into a computing server 13. The computing server 13 is connected to the platform server 11 and the data server 12 via the communication network 100. The data processing unit 131, the blockchain processing unit 132, and the billing unit 133 are electrically connected to each other. The database 121 stores a plurality of insurance contents corresponding to a plurality of mutual insurance packages. Each insurance content includes the insurance requirements, premium payment date, exclusion period, standard number of insured persons M and unit premium U of the mutual insurance package corresponding to the insurance content. It is worth mentioning that in this embodiment, the relevant calculations of the embodiment of the mutual insurance method based on blockchain of the present invention are performed through the computing server 13, the platform server 11 and the data server 12. However, the relevant calculations of the embodiment of the mutual insurance method based on blockchain of the present invention can also be integrated into the same server for execution, and are not limited thereto.

The following will be used in conjunction with the attached drawings to illustrate an embodiment of the blockchain-based mutual insurance method of the present invention. This embodiment sequentially includes an insurance application procedure, a first policy inquiry procedure, a second policy inquiry procedure, a claim review procedure, a payment procedure, and a claim settlement procedure.

1 and 2 , an exemplary description is given of how the insurance procedure adds the insurance information of the user to be insured to the blockchain 102 after the platform server 11 receives a client request including insurance information and a user request to join a mutual insurance package from a client 103 (the user of the client 103 is regarded as a user to be insured) via the information platform 111, and includes steps 201 to 217.

In step 201, the platform server 11 responds to the client request by transmitting an insurance request including the insurance information and the mutual insurance package to be added to the data processing unit 131 of the computing server 13. The insurance information includes, for example, the name, ID number, mobile phone number of the user to be added, and the account information of the account used by the user to be added in the blockchain system 101. The mutual insurance package to be added is one of the mutual insurance packages.

In step 202, after the data processing unit 131 receives the insurance request, the data processing unit 131 sends the insurance information in the insurance request to a review end 104. In this embodiment, the review end 104 performs manual review, and in other embodiments, the review end 104 may also perform automatic review through, for example, a review program.

In step 203, after the audit end 104 receives the security information, the audit end 104 generates a security audit result (the security audit result indicates whether the audit is passed or not) in response to an audit personnel's input operation, and transmits the security audit result to the data processing unit 131.

In step 204, after the data processing unit 131 receives the guarantee audit result, the data processing unit 131 determines whether the guarantee audit result has passed the audit. When the data processing unit 131 determines that the guarantee audit result has passed the audit, the process proceeds to step 205; otherwise, the process proceeds to step 214.

In step 205, the data processing unit 131 generates an insurance number corresponding to the user to be insured and an encryption key. The insurance number indicates the mutual insurance package to be added. In this embodiment, a part of the insurance number is encoded into a special identification number corresponding to the mutual insurance package to be added. For example, the mutual insurance package to be added is cancer medical insurance, and its special identification number is 001, which is different from the special identification number 002 of the disability medical insurance and the special identification number 003 of the burn and scald medical insurance. Therefore, the first three digits of the insurance number are encoded as 001 to indicate that the mutual insurance package to be added is added.

In step 206, the data processing unit 131 obtains the information feature corresponding to the insurance information, and stores the data including the insurance information, the insurance number, the encryption key and the information feature as a user insurance record corresponding to the user to be insured in the database 121 of the data server 12. In this embodiment, the information feature is a hash value obtained by the data processing unit 131 using a hash function on the insurance information. In addition, the data processing unit 131 transmits the user insurance record to the data server 12, so that the data server 12 stores the user insurance record in the database 121. Since writing and reading the database 121 are known to those familiar with this technology, their details are omitted here for the sake of brevity.

In step 207, the data processing unit 131 uses the encryption key to encrypt a portion of the security information to obtain the encrypted security information, and transmits the security number and the encrypted security information to the blockchain processing unit 132. In this embodiment, the user's private information in the security information, such as the name, ID number and mobile phone number of the user to be insured, is encrypted.

In step 208, after the blockchain processing unit 132 receives the insurance number and the encrypted insurance information, the blockchain processing unit 132 obtains the insurance content corresponding to the mutual insurance package to be added from the database 121 according to the insurance number.

In step 209, the blockchain processing unit 132 determines whether the encrypted insurance information meets the insurance requirements in the insurance content to be added to the insurance package. The blockchain processing unit 132 determines whether the unencrypted part of the encrypted insurance information meets the insurance requirements. When the blockchain processing unit 132 determines that the encrypted insurance information meets the insurance requirements, the process proceeds to step 210; otherwise, the process proceeds to step 216.

In step 210, the blockchain processing unit 132 calculates the expiration date of the exclusion period by adding the date when the insured user successfully joins the mutual insurance combination to be joined, and sets the marking state of the payment marking information to a non-payment state that does not meet the payment conditions by default, and transmits an insurance request including the encrypted insurance information, the insurance number, the corresponding insurance content, the payment marking information and the expiration date of the exclusion period to the blockchain system 101.

In step 211, after the blockchain system 101 receives the insurance request, the blockchain system 101 adds an insurance record corresponding to the insurance request and including the encrypted insurance information, the insurance number, the corresponding insurance content, the payment mark information and the expiration date of the exclusion period to the blockchain 102, generates a transaction hash value corresponding to the insurance record, and transmits the transaction hash value to the blockchain processing unit 132.

In step 212, after the blockchain processing unit 132 receives the transaction hash value from the blockchain system 101, the blockchain processing unit 132 stores the transaction hash value in the corresponding user insurance record in the database 121 of the data server 12, and transmits a successful insurance message to the platform server 11.

In step 213, after the platform server 11 receives the insurance success message, the platform server 11 transmits a notification of insurance success to the client 103 via the information platform 111, so that the client 103 presents the notification of insurance success.

In step 214, the data processing unit 131 transmits a security information review failure message to the platform server 11.

In step 215, after the platform server 11 receives the security information review failure message, the platform server 11 transmits a security information review failure notification to the client 103 via the information platform 111, so that the client 103 presents the security information review failure notification.

In step 216, the blockchain processing unit 132 transmits a message of not meeting the insurance requirements to the platform server 11.

In step 217, after the platform server 11 receives the insurance non-compliance message, the platform server 11 transmits a insurance non-compliance notification to the client 103 via the information platform 111, so that the client 103 presents the insurance non-compliance notification.

1 and 3 , which exemplarily illustrate how the first policy inquiry procedure obtains an unencrypted portion of an insurance record to be queried based on a policy number to be queried after the platform server 11 receives a policy number to be queried uploaded by a client 103 via the information platform 111, and includes steps 301~310.

In step 301, the platform server 11 transmits a policy query request including the policy number to be queried to the data processing unit 131 of the computing server 13.

In step 302, after the data processing unit 131 receives the policy query request, the data processing unit 131 determines whether there is a policy number matching the policy number to be queried in the database 121. When the data processing unit 131 determines that there is a policy number matching the policy number to be queried, the process proceeds to step 303; otherwise, the process proceeds to step 309.

In step 303, the data processing unit 131 transmits a policy query instruction including the policy number to be queried to the blockchain processing unit 132.

In step 304, after the blockchain processing unit 132 receives the policy query instruction, the blockchain processing unit 132 transmits a policy read request including the policy number to be queried to the blockchain system 101.

In step 305, after the blockchain system 101 receives the insurance policy reading request, the blockchain system 101 takes the insurance record corresponding to the insurance policy number to be queried in the blockchain 102 as an insurance record to be queried and transmits it to the blockchain processing unit 132.

In step 306, after the blockchain processing unit 132 receives the insurance record to be queried, the blockchain processing unit 132 transmits the insurance record to be queried to the data processing unit 131.

In step 307, after the data processing unit 131 receives the insurance record to be queried, the data processing unit 131 transmits the unencrypted portion of the insurance record to be queried as an insurance record query result to the platform server 11.

In step 308, after the platform server 11 receives the insurance record query result, the platform server 11 transmits the insurance record query result to the client 103 via the information platform 111, so that the client 103 presents the insurance record query result.

In step 309, the data processing unit 131 transmits a message indicating that there is no matching guarantee number to the platform server 11.

In step 310, after the platform server 11 receives the message that there is no matching insurance number, the platform server 11 transmits a notification that there is no matching insurance number to the client 103 via the information platform 111, so that the client 103 presents the notification that there is no matching insurance number.

When the user only provides the policy number to be queried, only the unencrypted part of the insurance record corresponding to the policy number to be queried can be queried. If the user needs to query the complete insurance record, the user's ID number must also be provided. Referring to Figures 1 and 4 below, it is exemplified how the second policy query procedure obtains the decrypted insurance record to be queried based on the policy number to be queried and the ID number after the platform server 11 receives the policy number to be queried and the ID number to be queried uploaded by the client 103 via the information platform 111, and includes steps 401-411.

In step 401, the platform server 11 transmits a policy query request including the policy number to be queried and the identity card number to be queried to the data processing unit 131 of the computing server 13.

In step 402, after the data processing unit 131 receives the policy query request, the data processing unit 131 determines whether there is a policy number matching the policy number to be queried in the database 121. When the data processing unit 131 determines that there is a policy number matching the policy number to be queried, the process proceeds to step 403; otherwise, the process proceeds to step 410.

In step 403, the data processing unit 131 determines whether the ID number of the user's insurance record corresponding to the insurance number stored in the database 121 matches the ID number to be queried. When the data processing unit 131 determines that the ID number of the user's insurance record matches the ID number to be queried, the process proceeds to step 404; otherwise, the process proceeds to step 410.

In step 404, the data processing unit 131 obtains the encryption key of the user insurance record corresponding to the insurance number stored in the database 121, and transmits a policy query instruction including the policy number to be queried to the blockchain processing unit 132.

In step 405, after the blockchain processing unit 132 receives the policy query instruction, the blockchain processing unit 132 transmits a policy read request including the policy number to be queried to the blockchain system 101.

In step 406, after the blockchain system 101 receives the insurance policy reading request, the blockchain system 101 takes the insurance record corresponding to the insurance policy number to be queried in the blockchain 102 as an insurance record to be queried and transmits it to the blockchain processing unit 132.

In step 407, after the blockchain processing unit 132 receives the insured record to be queried in response to the policy read request, the blockchain processing unit 132 transmits the insured record to be queried to the data processing unit 131.

In step 408, after the data processing unit 131 receives the insurance record to be queried, the data processing unit 131 uses the encryption key obtained in step 404 to decrypt the encrypted part of the insurance record to be queried, and transmits the decrypted insurance record to be queried as an insurance record query result to the platform server 11.

In step 409, after the platform server 11 receives the insurance record query result, the platform server 11 transmits the insurance record query result to the client 103 via the information platform 111, so that the client 103 presents the insurance record query result.

In step 410, the data processing unit 131 transmits a message indicating that there is no matching guarantee number to the platform server 11.

In step 411, after the platform server 11 receives the message that there is no matching insurance number, the platform server 11 transmits a notification that there is no matching insurance number to the client 103 via the information platform 111, so that the client 103 presents the notification that there is no matching insurance number.

When a user of a mutual insurance group meets the payment conditions of the mutual insurance group, the user can upload the claim application information to the information platform 111 through a client terminal 103. Refer to Figures 1 and 5, which illustrate by way of example how the claim review procedure reviews the claim application information after the platform server 11 receives the claim application information uploaded by the client terminal 103 (the user of the client terminal 103 is regarded as a user to be paid) through the information platform 111.

In step 501, the platform server 11 transmits a claim request including the claim application data to the data processing unit 131 of the computing server 13. In this embodiment, the claim application data includes a medical certificate, a policy number to be claimed, and user identification information (e.g., the user's ID number or the beneficiary's ID number, etc.).

In step 502, after the data processing unit 131 receives the claim request, the data processing unit 131 sends the medical certificate and the user identification information to the review end 104.

In step 503, after the review end 104 receives the medical certificate and the user identification information, the review end 104 generates a claim review result (the claim review result indicates whether the review is passed or failed) in response to the reviewer's input operation, and transmits the claim review result to the data processing unit 131.

In step 504, after the data processing unit 131 receives the claim review result, the data processing unit 131 determines whether the claim review result has passed the review. When the data processing unit 131 determines that the claim review result has passed the review, the process proceeds to step 505; otherwise, the process proceeds to step 509.

In step 505, the data processing unit 131 transmits a claim approval message to the platform server 11, and transmits a tag modification instruction including the policy number to be claimed to the blockchain processing unit 132, and stores the policy number to be claimed in a claim buffer.

In step 506, after the platform server 11 receives the claim review pass message, the platform server 11 transmits a claim review pass notification to the client 103 via the information platform 111, so that the client 103 presents the claim review pass notification.

In step 507, after the blockchain processing unit 132 receives the tag modification instruction, the blockchain processing unit 132 transmits a tag modification request including the policy number to be claimed to the blockchain system 101.

In step 508, after the blockchain system 101 receives the mark modification request, the blockchain system 101 modifies the mark status of the payment mark information of the insurance record corresponding to the policy number to be paid in the blockchain 102 to a pending payment status in which a payment condition is met but no payment has been made.

In step 509, the data processing unit 131 transmits a claim review failure message to the platform server 11.

In step 510, after the platform server 11 receives the claim review failure message, the platform server 11 transmits a claim review failure notification to the client 103 via the information platform 111, so that the client 103 presents the claim review failure notification.

Referring to FIG. 6 , an exemplary explanation is given of how the payment procedure obtains the current payment information of a mutual insurance package to be charged and pays the premium, and includes steps 601 to 612. Since the payment method of each of the mutual insurance packages is the same, the following only describes the mutual insurance package to be charged among the mutual insurance packages.

In step 601, the billing unit 133 obtains the mutual insurance package to be billed from the mutual insurance packages stored in the database 121, and obtains the insurance content corresponding thereto. Since each of the mutual insurance packages needs to be billed, the mutual insurance package to be billed can be obtained in the order of premium payment dates, or the mutual insurance package to be billed can be randomly selected from the mutual insurance packages, but is not limited thereto.

In step 602, the billing unit 133 determines whether a current date is a premium payment date in the insurance content corresponding to the mutual insurance combination to be billed. When the billing unit 133 determines that the current date is a premium payment date in the insurance content corresponding to the mutual insurance combination to be billed, the process proceeds to step 603; otherwise, the process proceeds to step 612.

In step 603, the billing unit 133 obtains a plurality of insurance records corresponding to the mutual insurance combination to be billed from the blockchain system 101. More specifically, the billing unit 133 first transmits a billing data query instruction related to the mutual insurance combination to be billed to the blockchain processing unit 132. Then, after the blockchain processing unit 132 receives the billing data query instruction, the blockchain processing unit 132 transmits a billing data read request related to the mutual insurance combination to be billed to the blockchain system 101, so that the blockchain system 101 can receive the billing data query instruction. 1 All the insurance records corresponding to the insurance contents of the mutual insurance combination to be billed in the blockchain 102 are respectively used as multiple insurance records to be billed and transmitted to the blockchain processing unit 132. Finally, after the blockchain processing unit 132 receives the insurance records to be billed in response to the billing data read request, the blockchain processing unit 132 transmits the insurance records to be billed to the billing unit 133.

In step 604, the billing unit 133 calculates the current payment information based on the insurance records to be billed. The following will explain in detail how the current payment information is calculated. Since each user's insurance record also includes payment marking information indicating the marking status of the user, the billing unit 133 can obtain an actual number of insured persons N based on the number of insurance records in the insurance records to be billed that have payment marking information indicating that the marking status is not paid, and obtain a number of persons to be paid D based on the number of insurance records in the insurance records to be billed that have payment marking information indicating that the marking status is to be paid. Next, the billing unit 133 calculates a weight coefficient Q based on the standard number of insured persons M and unit premium U of the insurance content in the insurance records to be billed, the actual number of insured persons N and the number of persons to be paid D, using the following formula (1), and then calculates a current premium I based on the weight coefficient Q and using the following formula (2) as the current payment information. ……(1) …(2)

In step 605, the billing unit 133 transmits a premium calculation parameter set including the standard number of insured persons M, the unit premium U, the actual number of insured persons N, the number of persons to be paid D, the weight coefficient Q and the current premium I to the blockchain processing unit 132, so as to add the premium calculation parameter set to the blockchain 102. More specifically, the blockchain processing unit 132 transmits the premium calculation parameter set to the blockchain system 101, and the blockchain system 101 adds the premium calculation parameter set to the blockchain 102. This step makes the premium calculation process public on the blockchain 102, thereby increasing the transparency of information.

In step 606, the billing unit 133 obtains at least one account information corresponding to the insurance record with payment mark information indicating the unpaid status from the insurance records to be billed as at least one account information to be paid.

In step 607, the billing unit 133 transmits a payment instruction including the current payment information and the at least one account information to be paid to the blockchain processing unit 132.

In step 608, after the blockchain processing unit 132 receives the payment instruction, the blockchain processing unit 132 transmits a payment request including the current payment information and the at least one account information to be paid to the blockchain system 101.

In step 609, when the blockchain system 101 receives the payment request, the blockchain system 101 transfers the virtual currency corresponding to the current payment information from the account to be paid corresponding to the at least one account information to be paid to a shared account of the blockchain system 101, adds a payment transaction record indicating the transfer of the virtual currency corresponding to the current payment information from the corresponding account to be paid to the shared account to the blockchain 102, and sends a payment success message to the blockchain processing unit 132.

In step 610, after the blockchain processing unit 132 receives the payment success message, the blockchain processing unit 132 transmits the payment success message to the platform server 11.

In step 611, after the platform server 11 receives the payment success message, the platform server 11 transmits a payment notice including the current payment information to the client 103 via the information platform 111, so that the client 103 presents the payment notice.

In step 612, the billing unit 133 waits for a preset period (eg, one day) and then returns to step 601.

When the billing unit 133 calculates the current payment information, it will also settle the payment amount information of the users who have been approved for payment. If the claim application information of the user who is to be paid has been approved, the policy number of the user who is to be paid will be stored in the buffer area for payment by the data processing unit 131 (step 505). Therefore, the billing unit 133 can determine whether there is a user who needs to be paid by judging whether there is at least one policy number for payment in the buffer area for payment. When the billing unit 133 determines that there is at least one policy number to be claimed in the claim buffer, the mutual insurance servo system 1 executes the claim procedure (see Figures 1 and 7) to make claims to the user to be paid corresponding to the at least one policy number to be claimed. Since the claim method for each user to be paid is the same, only one of the policy numbers to be claimed will be explained below.

In step 701, the billing unit 133 obtains the pending claim policy number from the pending claim buffer.

In step 702, the billing unit 133 obtains a claim insurance record from the blockchain system 101 according to the policy number to be claimed. More specifically, the billing unit 133 transmits a claim policy query instruction including the policy number to be claimed to the blockchain processing unit 132. Then, after the blockchain processing unit 132 receives the claim policy query instruction, the blockchain processing unit 132 transmits a claim policy read request including the policy number to be claimed to the blockchain system 101. , so that the blockchain system 101 takes the insurance record corresponding to the insurance policy number to be claimed in the blockchain 102 as an insurance record to be claimed and transmits it to the blockchain processing unit 132. Finally, after the blockchain processing unit 132 receives the insurance record to be claimed, the blockchain processing unit 132 transmits the insurance record to be claimed to the billing unit 133.

In step 703, the billing unit 133 determines whether the current date is not earlier than the expiration date of the exclusion period of the insurance record to be claimed. When the billing unit 133 determines that the current date is not earlier than the expiration date of the exclusion period of the insurance record to be claimed, the process proceeds to step 704; otherwise, the process proceeds to step 705.

In step 704, the billing unit 133 calculates the payment amount information according to the insurance records to be billed. The following will describe in detail how the payment amount information is calculated. First, the billing unit 133 obtains a number of non-payment persons S according to the number of insurance records with payment mark information indicating that the marked status is a non-payment status in all insurance records to be billed of the mutual insurance combination to which the insurance record to be claimed belongs; then, the billing unit 133 calculates an insurance amount Pi as the payment amount information according to the standard number of insured persons M and unit premium U of the insurance content in the insurance records to be billed, the actual number of insured persons N and the number of non-payment persons S, using formula (2) and the following formula (3). ……(3)

In step 705, the billing unit 133 obtains all payment transaction records corresponding to the account corresponding to the account information of the insurance record to be claimed from the blockchain system 101 according to the account information of the insurance record to be claimed. More specifically, the billing unit 133 transmits a transaction record query instruction including the policy number to be paid to the blockchain processing unit 132. Then, after the blockchain processing unit 132 receives the transaction record query instruction, the blockchain processing unit 132 transmits a transaction record read request including the policy number to be paid to the blockchain system 101, so that the blockchain system 101 All transaction records of the account corresponding to the account information of the insurance record to be claimed in the blockchain 102, which corresponds to the transfer-out account, are taken as at least one payment transaction record and transmitted to the blockchain processing unit 132. Finally, after the blockchain processing unit 132 receives the at least one payment transaction record, the blockchain processing unit 132 transmits the at least one payment transaction record to the billing unit 133.

In step 706, the billing unit 133 calculates a total amount of premiums paid based on all payment transaction records, and calculates a compensation as the payment amount information based on an agreed interest rate.

In step 707, the billing unit 133 transmits a claim instruction including the payment amount information and the account information of the insurance record to be claimed to the blockchain processing unit 132.

In step 708, after the blockchain processing unit 132 receives the claim instruction, the blockchain processing unit 132 transmits a claim request including the payment amount information and the account information of the insurance record to be claimed to the blockchain system 101.

In step 709, after the blockchain system 101 receives the claim request, the blockchain system 101 transfers the virtual currency corresponding to the payment amount information from the shared account to the account corresponding to the account information of the insurance record to be claimed.

In step 710 , the blockchain processing unit 132 sends a payment message to the platform server 11 .

In step 711, after the platform server 11 receives the payment message, the platform server 11 transmits a payment notification including the payment amount information to the client 103 via the information platform 111, so that the client 103 presents the payment notification.

In summary, by adding the insurance record to the blockchain 102, the insurance record will be recorded in the blockchain 102 every time it is changed, which is convenient for users to verify and trace, and ensures the authenticity of the insurance record and the subsequent process of calculating the insurance premium based on the insurance records of all users. In addition, since the insurance information of each user to be insured will be encrypted with the encryption key corresponding to the user to be insured before being added to the blockchain 102, the blockchain 102 has data transparency while also protecting the privacy of the user. Therefore, the purpose of the present invention can be achieved.

However, the above is only an example of the implementation of the present invention, and it should not be used to limit the scope of the implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the patent of the present invention.

1: Mutual insurance server system 11: Platform server 111: Information platform 12: Data server 121: Database 13: Computing server 131: Data processing unit 132: Blockchain processing unit 133: Billing unit 100: Communication network 101: Blockchain system 102: Blockchain 103: Client 104: Audit terminal 201~217: Steps 301~310: Steps 401~411: Steps 501~510: Steps 601~612: Steps 701~711: Steps

Other features and functions of the present invention will be clearly presented in the implementation method of the reference diagram, in which: Figure 1 is a block diagram, which exemplarily illustrates a mutual insurance servo system for implementing the blockchain-based mutual insurance method of the present invention, connected to a blockchain system, a client terminal and a review terminal via a communication network; Figure 2 is a flow chart, which exemplarily illustrates an insurance application procedure of the embodiment; Figure 3 is a flow chart, which exemplarily illustrates a first policy inquiry procedure of the embodiment; Figure 4 is a flow chart, which exemplarily illustrates a second policy inquiry procedure of the embodiment; Figure 5 is a flow chart, which exemplarily illustrates a claim review procedure of the embodiment; FIG. 6 is a flow chart that exemplarily illustrates a payment procedure of the embodiment; and FIG. 7 is a flow chart that exemplarily illustrates a claim settlement procedure of the embodiment.

201~217: Steps

Claims (12)

A mutual insurance method based on blockchain is implemented by a mutual insurance server system connected to a blockchain system via a communication network. The mutual insurance server system includes a data processing unit, a database connected to the data processing unit, and a blockchain processing unit connected to the data processing unit. The database stores multiple insurance contents corresponding to multiple mutual insurance combinations. Each insurance content includes the insurance requirements of the mutual insurance combination corresponding to the insurance content. The mutual insurance method based on blockchain includes the following steps: (A) The data processing unit obtains the insurance information of a user to be insured and a mutual insurance group that the user to be insured wants to join, and the mutual insurance group to be joined is one of the mutual insurance groups; (B) The data processing unit obtains an insurance review result corresponding to the insurance information, and determines whether the insurance review result has passed the review; (C) When the data processing unit determines that the insurance review result has passed the review, the data processing unit generates an insurance number corresponding to the user to be insured and an encryption key, and the insurance number indicates the mutual insurance group to be joined; (D) The data processing unit obtains the information feature corresponding to the insurance information, and stores the data including the insurance information, the insurance number, the encryption key and the information feature as a user insurance record corresponding to the user to be insured in the database; (E) The data processing unit encrypts a part of the insurance information using the encryption key to obtain the encrypted insurance information, and transmits the insurance number and the encrypted insurance information to the blockchain processing unit; (F) After the blockchain processing unit receives the insurance number and the encrypted insurance information, the blockchain processing unit obtains the insurance content corresponding to the mutual insurance package to be added from the database according to the insurance number, and determines whether the encrypted insurance information meets the insurance requirements in the insurance content of the mutual insurance package to be added; (G) When the blockchain processing unit determines that the encrypted insurance information meets the insurance requirements, the blockchain processing unit transmits an insurance request including the encrypted insurance information, the insurance number and the corresponding insurance content to the blockchain system, so that the blockchain system adds an insurance record corresponding to the insurance request and including the encrypted insurance information, the insurance number and the corresponding insurance content to a blockchain; (H) After the data processing unit receives a policy inquiry request including a policy number to be inquired and an identity card number to be inquired, the data processing unit determines whether there is an insurance number in the database that matches the policy number to be inquired and the identity card number of the insurance information of the user insurance record corresponding to the insurance number matches the identity card number to be inquired; (I) When the data processing unit determines that there is an insurance number that matches the policy number to be queried and the identity card number of the insurance information of the user insurance record corresponding to the insurance number matches the identity card number to be queried, the data processing unit obtains the encryption key of the user insurance record corresponding to the insurance number, and transmits a policy query instruction containing the policy number to be queried to the blockchain processing unit; (J) After the blockchain processing unit receives the policy query instruction, the blockchain processing unit transmits a policy read request containing the policy number to be queried to the blockchain system, so that the blockchain system takes the insurance record corresponding to the policy number to be queried in the blockchain as an insurance record to be queried and transmits it to the blockchain processing unit; (K) After the blockchain processing unit receives the insurance record to be queried in response to the policy read request, the blockchain processing unit transmits the insurance record to be queried to the data processing unit; and (L) After the data processing unit receives the insurance record to be queried, the data processing unit uses the encryption key to decrypt the encrypted part of the insurance record to be queried, and uses the decrypted insurance record to be queried as an insurance record query result. The blockchain-based mutual insurance method as described in claim 1, after step (G), further comprises the following steps: (H1) After the data processing unit receives a policy query request including a policy number to be queried, the data processing unit determines whether there is an insurance number matching the policy number to be queried in the database; (I1) When the data processing unit determines that there is an insurance number matching the policy number to be queried, the data processing unit transmits a policy query instruction including the policy number to be queried to the blockchain processing unit; (J1) After the blockchain processing unit receives the policy query instruction, the blockchain processing unit transmits a policy read request containing the policy number to be queried to the blockchain system, so that the blockchain system takes the insurance record corresponding to the policy number to be queried in the blockchain as an insurance record to be queried and transmits it to the blockchain processing unit; (K1) After the blockchain processing unit receives the insurance record to be queried in response to the policy read request, the blockchain processing unit transmits the insurance record to be queried to the data processing unit; and (L1) After the data processing unit receives the insurance record to be queried, the data processing unit uses the unencrypted portion of the insurance record to be queried as an insurance record query result. As described in claim 1, the mutual insurance method based on blockchain, the mutual insurance servo system also includes a billing unit, and the insurance content corresponding to each mutual insurance combination also includes a premium payment date. After step (G), it also includes the following steps: (H2) The billing unit obtains a mutual insurance combination to be billed from the mutual insurance combinations and obtains the insurance content corresponding to it; (I2) The billing unit determines whether a current date is the premium payment date in the insurance content corresponding to the mutual insurance combination to be billed; (J2) When the billing unit determines that the current date is the premium payment date in the insurance content corresponding to the mutual insurance portfolio to be billed, the billing unit obtains a plurality of insurance records to be billed corresponding to the mutual insurance portfolio to be billed from the blockchain system; and (K2) The billing unit calculates the current payment information based on the insurance records to be billed. The blockchain-based mutual insurance method as described in claim 3, wherein step (J2) includes the following sub-steps: (J2-1) the billing unit transmits a billing data query instruction related to the mutual insurance combination to be billed to the blockchain processing unit; (J2-2) After the blockchain processing unit receives the billing data query instruction, the blockchain processing unit transmits a billing data read request related to the mutual insurance combination to be billed to the blockchain system, so that the blockchain system treats all insurance records corresponding to the insurance content of the mutual insurance combination to be billed in the blockchain as multiple insurance records to be billed and transmits them to the blockchain processing unit; and (J2-3) After the blockchain processing unit receives the insurance records to be charged in response to the billing data read request, the blockchain processing unit transmits the insurance records to be charged to the billing unit. A blockchain-based mutual insurance method as described in claim 3, wherein in step (G), the insurance record further includes payment marking information indicating that a marked state is one of a pending payment state that satisfies a payment condition but has not been paid, a paid state that satisfies the payment condition and has been paid, and an unpaid state that does not satisfy the payment condition, and the insurance content of the insurance record includes a standard number of insured persons and a unit premium, wherein step (K2) includes the following sub-steps: (K2-1) The billing unit obtains an actual number of insured persons N according to the number of insurance records to be billed that have payment marking information indicating that the marked state is not a paid state; (K2-2) The billing unit obtains a number of people to be paid D based on the number of insurance records with payment mark information indicating that the marked status is a pending payment status in the insurance records to be billed; and (K2-3) The billing unit calculates the current payment information based on the standard number of insured persons M and unit premium U of the insurance content in the insurance records to be billed, the actual number of insured persons N and the number of people to be paid D. The blockchain-based mutual insurance method as described in claim 5, wherein in step (A), the insurance information includes account information corresponding to the account used by the user to be insured in the blockchain system, and after step (K2), the following steps are also included: (L2) The billing unit obtains at least one account information corresponding to the insurance record with payment mark information indicating the unpaid status from the insurance records to be billed as at least one account information to be paid; (M) The billing unit transmits a payment instruction including the current payment information and the at least one account information to be paid to the blockchain processing unit; and (N) After the blockchain processing unit receives the payment instruction, the blockchain processing unit transmits a payment request including the current payment information and the at least one account information to be paid to the blockchain system, so that the blockchain system transfers the virtual currency corresponding to the current payment information from the account to be paid corresponding to the at least one account information to be paid to a shared account in the blockchain system, and adds a payment transaction record indicating the transfer of the virtual currency corresponding to the current payment information from the corresponding account to be paid to the shared account to the blockchain. The blockchain-based mutual insurance method as described in claim 6, before step (K2), further includes the following steps: (O) The data processing unit obtains a claim request corresponding to a user to be paid and including a medical certificate, a policy number to be paid, and user identification information; (P) The data processing unit obtains a claim review result corresponding to the claim request, and determines whether the claim review result has passed the review; (Q) When the data processing unit determines that the claim review result has passed the review, the data processing unit transmits a tag modification instruction including the policy number to be paid to the blockchain processing unit; and (R) After the blockchain processing unit receives the tag modification instruction, the blockchain processing unit transmits a tag modification request including the pending insurance policy number to the blockchain system, so that the blockchain system modifies the tag status of the payment tag information of the insurance record corresponding to the pending insurance policy number in the blockchain to the pending payment status. As described in claim 7, the mutual insurance method based on blockchain, the insurance content corresponding to each mutual insurance combination also includes an exclusion period, wherein, in step (G), the insurance record also includes an expiration date of the exclusion period, and the expiration date of the exclusion period is calculated by the blockchain processing unit by adding the date when the user to be insured successfully joins the mutual insurance combination to be joined to the exclusion period. After step (K2), it also includes the following steps: (S) The billing unit obtains the policy number to be paid; (T) The billing unit obtains an insurance record to be paid from the blockchain system according to the policy number to be paid; (U) The billing unit determines whether the current date is not earlier than the expiration date of the exclusion period of the insurance record to be claimed; and (V) When the billing unit determines that the current date is not earlier than the expiration date of the exclusion period of the insurance record to be claimed, the billing unit calculates a payment amount information based on the insurance record to be claimed. The blockchain-based mutual insurance method as described in claim 8, wherein step (T) includes the following sub-steps: (T-1) the billing unit transmits a claim policy query instruction including the claim policy number to be claimed to the blockchain processing unit; (T-2) After the blockchain processing unit receives the claim policy query instruction, the blockchain query unit transmits a claim policy read request including the claim policy number to be claimed to the blockchain system, so that the blockchain system takes the insurance record corresponding to the claim policy number in the blockchain as a claim record to be claimed and transmits it to the blockchain processing unit; and (T-3) After the blockchain processing unit receives the claim record to be claimed, the blockchain processing unit transmits the claim record to be claimed to the billing unit. The blockchain-based mutual insurance method as described in claim 8, wherein step (V) includes the following sub-steps: (V-1) the billing unit obtains a number of non-payment persons S according to the number of insurance records with payment mark information indicating that the marked status is a non-payment status in the insurance records to be billed; and (V-2) the billing unit calculates the payment amount information according to the standard number of insured persons M and unit premium U of the insurance content in the insurance records to be billed, the actual number of insured persons N and the number of non-payment persons S. The blockchain-based mutual insurance method as described in claim 8, wherein, in step (A), the insurance information includes account information corresponding to the account used by the insured user in the blockchain system, and after step (V), the following steps are also included: (W) the billing unit transmits a claim instruction including the payment amount information and the account information of the insurance record to be claimed to the blockchain processing unit; and (X) After the blockchain processing unit receives the claim instruction, the blockchain processing unit transmits a claim request including the payment amount information and the account information of the insurance record to be claimed to the blockchain system, so that the blockchain system transfers the virtual currency corresponding to the payment amount information from the shared account to the account corresponding to the account information of the insurance record to be claimed. The blockchain-based mutual insurance method as described in claim 11 further includes the following steps between step (V) and step (W): (Y) When the billing unit determines that the current date is earlier than the expiration date of the exclusion period of the insurance record to be claimed, the billing unit calculates a total amount of premiums paid based on all payment transaction records of the account corresponding to the account information of the insurance record to be claimed whose transfer account corresponds to the account information of the insurance record to be claimed, and calculates a payment amount information based on an agreed interest rate.