区块链保险的应用场景有哪些,区块链保险的应用场景包括

近年来，区块链技术在保险行业中的应用越来越多，它不仅可以提高保险行业的效率，还可以提供更加安全可靠的服务。那么，区块链保险的应用场景有哪些呢？下面就来看看区块链保险的三大应用场景。

智能合约是区块链保险应用中最为重要的一个场景，它可以将保单的承保、续保、理赔等环节全部自动化，节省了大量的人力和时间成本。智能合约的运行完全依赖于区块链技术，它可以让保险公司在更短的时间内完成保单的处理，并且可以有效防止欺诈行为的发生，从而提升保险公司的服务水平。

区块链技术还可以让保险公司更好地实现数据共享，从而提升保险公司的服务水平。例如，保险公司可以利用区块链技术来实现更加安全可靠的数据共享，从而更好地服务客户，同时也可以更好地实现保险公司之间的数据共享，从而提高保险公司的效率。

区块链技术还可以改善保险公司的投保流程，例如，保险公司可以利用区块链技术来实现更快捷、更安全可靠的投保流程，从而让客户更加方便快捷地为自己购买保险。此外，保险公司还可以利用区块链技术来实现更加全面的客户信息采集，从而更好地为客户提供个性化的保险服务。

以上就是区块链保险的三大应用场景，可以看出，区块链技术的应用可以让保险行业变得更加安全可靠，更加高效率，为客户提供更加优质的服务。

Ⅰ Blockchain Application in Insurance Industry

To answer this question, let’s first introduce the core technology of blockchain and the current problems in the insurance industry.
Introduction to the core technology of blockchain
Blockchain mainly solves the trust and security issues of transactions, so it proposes four technological innovations to address this issue:
The first one is called distributed ledger , that is, transaction accounting is completed by multiple nodes distributed in different places, and each node records a complete account, so they can all participate in supervising the legality of the transaction and can also jointly testify for it. Different from traditional centralized accounting solutions, no node can record accounts independently, thus avoiding the possibility of a single accounting person being controlled or bribed to record false accounts. On the other hand, since there are enough accounting nodes, theoretically, the accounts will not be lost unless all nodes are destroyed, thereby ensuring the security of the accounting data.
The second one is called symmetric encryption and authorization technology. The transaction information stored on the blockchain is public, but the account identity information is highly encrypted and can only be accessed with the authorization of the data owner, thus Data security and personal privacy are guaranteed.
The third one is called the consensus mechanism, which is how all accounting nodes reach a consensus to determine the validity of a record. This is both a means of identification and a means of preventing tampering. Blockchain proposes four different consensus mechanisms, which are suitable for different application scenarios and strike a balance between efficiency and security. Taking Bitcoin as an example, it uses proof of work. Only when more than 51% of the accounting nodes in the entire network are controlled, it is possible to forge a non-existent record. When there are enough nodes joining the blockchain, this is basically impossible, thus eliminating the possibility of fraud.
The fourth technical feature is called smart contracts. Smart contracts are based on these trustworthy and non-tamperable data and can automatically execute some predefined rules and terms. Take insurance as an example. If everyone's information (including medical information and risk occurrence information) is true and trustworthy, it will be easy to automate claims settlement in some standardized insurance products.
Policyholder Risk Management
In today’s insurance operations, disputes between insurance companies and policyholders often occur, either because policyholders provide false personal information to defraud insurance, or when settling claims, disputes regarding exemption clauses occur. There are differences in the identification. The key to these problems lies in the lack of an authentic and credible data collection and storage method for the personal information of policyholders.
With the advancement of national systematic projects such as the digitization of medical information and personal credit reporting systems, more and more authoritative data sources appear. If these data can be introduced and stored on the blockchain, it will become Along with each person's digital identity, the data on this is authentic and trustworthy, cannot be tampered with, is synchronized in real time, and is valid for life, which will bring great benefits to the risk management of policyholders.
First, it is toThe data between different companies are connected and referenced with each other, so that information such as repeated insurance and historical claims can be discovered in a timely manner, and high-risk users can be discovered in a timely manner.
Second, introducing data from different industries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. To give an example of critical illness insurance, if all the medical treatment records of the policy holder and even the medical records of immediate family members can be queried on the blockchain, we will have a first-hand understanding of the policy holder’s current physical condition, disease history, and family medical history. information, effectively preventing you from taking out insurance while you are sick.
For example, Tongxinhuzhu, the first network mutual aid platform in China that uses blockchain technology as its core, uses blockchain technology to achieve decentralized information sharing based on traditional mutual aid platforms and innovatively achieve comprehensive and transparent operations. , to build a fair, just, open, safe and efficient open mutual aid information service platform for the public.

Extended reading: [Insurance] How to buy, which one is better, and a step-by-step guide to avoid the "pitfalls" of insurance

Ⅱ The current status of application scenarios in the field of blockchain insurance, and what will happen in the future What are the development trends?

Although the application of blockchain technology in the insurance industry is mostly in the technical verification stage, the rapid development of application scenarios already indicates that this technology will have a transformative impact on the insurance industry. Some IT giants such as Microsoft, IBM, Oracle, Alibaba, Tencent, etc. have begun to deploy in the field of blockchain, and some have even launched products or services based on blockchain technology.
According to the "In-depth Analysis Report on Business Model Innovation and Investment Opportunities in China's Blockchain Industry" by the Qianzhan Industry Research Institute, the current application of blockchain in the domestic and foreign insurance industry mainly includes the following categories: The first category is the use area Blockchain technology can complete insurance contracts in accordance with established rules when a certain condition is triggered when data is scattered at multiple points, such as flight delay insurance, unemployment insurance, etc.; the second category is in the field of reinsurance and co-insurance. In the transaction matching and settlement of mutual insurance business, blockchain is used to enhance the efficiency and transparency of transactions and settlements; the third category is used to track the production/growth process of commodities, using the traceability characteristics of blockchain for tracking The farming process of agricultural products or the production and circulation of valuables.
In the long run, the application of blockchain in the insurance industry has broad development prospects and numerous business convergence points, and is very likely to bring about revolutionary and disruptive changes.

III Which fields are blockchain suitable for?

The first one is the information security industry.
The second one is the bill business field
The third one is the payment and settlement business.
Fourth, identity/account authentication business.
Fifth, each node participating in the maintenance of the equity proof blockchain can obtain a complete data record. Using the characteristics of reliable and collective maintenance of the blockchain, the rights of the owners of equity can be confirmed.
Blockchain technology is really powerful. With the advancement of the times, this technology may change the development direction and trend of the financial industry. And because the blockchain technology itself has large capacity, high-speed computing, security,Features such as convenience have paved the way for the advancement and popularization of technology.

IV What are the application scenarios of blockchain?

I have seen a lot of information about blockchain on the soon-to-be-launched blockchain. Blockchain will make the information Internet more valuable. With the transformation of the Internet, Kuaishanglin has accumulated a lot of experience in these technologies and has made great efforts in Internet finance. Go online soon. Through research, it is concluded that blockchain will greatly improve the current life scenes. In which scenarios blockchain can be applied, I will list some answers here for reference only:

1. Information anti-counterfeiting

2. Food safety issues

3. Information Security

1. Identity Protection

2. Data Integrity Protection

3. Critical Infrastructure Protection

IV. Financial industry

1. Digital currency: improve the convenience of currency issuance and use

2. Cross-border payment and settlement: realize point-to-point transactions and reduce middlemen Fees

3. Bills and supply chain finance business: reduce human intervention, reduce costs and operational risks

4. Securities issuance and trading: achieve quasi-real-time asset transfer and accelerate transaction clearing speed

5. Customer credit reporting and anti-fraud: reduce legal compliance costs and prevent financial crimes

6. Equity crowdfunding: Equity crowdfunding based on blockchain technology Fundraising can achieve decentralized trust and investors’ returns are guaranteed.

5. Bu Tuanzhu Supply Chain Management

6. Government Affairs Management

1. Elections

2. Government Services

IV What are the fields involved in blockchain applications and what are the specific scenarios?

Blockchain technology is widely used, and with the integration of new technologies, the main application scenarios of blockchain include finance. Insurance, smart manufacturing, smart environmental protection, energy and electricity, medical and health, education, cultural and creative industries, smart cities, social welfare, agriculture and many other fields.

Blockchain + Finance

Blockchain can help financial institutions solve problems such as trust and data sharing.

Blockchain + Copyright Art Category

Tianhe Guoyun’s Blockchain Copyright System

3. Blockchain + Government Affairs

In terms of statistics, voting, budget management, etc., blockchain can reduce costs, improve efficiency, and increase transparency to prevent the risk of failure of centralized systems.

4. Blockchain + Insurance

Fraud identification and risk prevention: By placing insurance claims under an immutable general ledger, blockchain can help eliminate confusion in the insurance industry. Common sources of fraud.

Property insurance and casualty insurance: Policies and shared ledgers recorded in the form of smart contracts can improve the efficiency of property insurance and casualty insurance.

Health insurance: Blockchain technology allows medical records to be encrypted and shared among health service providers, thereby improving the interoperability of the health insurance ecosystem.

Reinsurance: The information security of reinsurance contracts on the blockchain platform is guaranteed through smart contracts, which can reduce the amount of information and simplify the payment process between insurers and reinsurers.

VI Blockchain Application Scenario-KYC

The use of blockchain technology can greatly change the existing KYC certification process and effectively isolate data islands between companies and institutions. Connected, it can effectively reduce the cost of KYC and meet multiple regulatory needs.

In this era of rapid development, where jobs, locations, and business services change frequently, KYC has become an indispensable part of many banks, insurance companies, and other commercial activities. The current KYC standard process once largely met the requirements of business and regulatory authorities. However, with the development of technology and policy trends, the KYC process is becoming more and more complex and the cost is getting higher and higher.

KYC for a company is obviously much more complicated than for an individual. It also includes various complex ownership structures, business scope, upstream and downstream enterprises, company size, main decision-makers, etc. In addition to understanding the company and personal background, KYC also requires continuous monitoring of customers’ daily transaction size, frequency, destinations, etc. for compliance and anti-money laundering purposes.

Current KYC standard process

(1) Obtaining personal information: Customers submit private information such as name, address, health status, etc. upon request.
(2) Review of personal information: Institutions need to conduct detailed reviews to verify the accuracy of identity information submitted by customers.
(3) Storing personal information: Organizations store data, but the system may be attacked.
(4) Monitor changes and update.

The regulatory environment in which banks, financial institutions and other regulated institutions in various countries currently operate is extremely complex. Regulatory regulations vary from country to country, and there is a lack of unified standards, and regulatory pressure is only increasing. Therefore, the time cost and economic cost of KYC for various institutions are getting higher and higher.
The current compliance environment is inherently complex. Each institution has different understandings of compliance requirements and compliance measures taken. The data sources used when performing KYC procedures and their complexity are also different. This is This is partly because each individual’s risk profile is different. Regulators, given the risk-based approach promoted by anti-money laundering, are reluctant to specify what is required, leaving financial institutions divided over their understanding of compliance requirements. If KYC regulations and procedures can be standardized, the entire financial industry can benefit, which is an urgent expectation from all parties.

Digitization means that it is no longer difficult to obtain dataFor example, information such as the name of a listed company’s senior manager, the institution’s registration place, company address and other information can be easily obtained. Of course, there are also some data that are difficult to obtain, such as ultimate beneficiary party (UBO) information. However, easy access to data does not mean that it will not cause difficulties in the KYC process. We still need to deal with various challenges brought by data, such as identifying which data is more reliable, which data is the most timely, and how to transform data into useful information.
In addition, if financial institutions fail to obtain and use relevant data, it is likely to trigger regulatory actions. For example, if a financial institution has access to relevant data, it should analyze this information when conducting risk assessments of end customers.

4. Blockchain solutions

Establish a trustworthy workflow to implement the KYC process. Allowing participants to effectively use existing relationships and necessary data to create a secure "network of trust" without leaking sensitive data. The "network of trust" in turn reduces operating costs and enables a smoother, faster user experience.

(1) Access to personal information: Private documents are selectively shared by customers with a trusted regulatory agency, government entity or authorized partner.
(2) Review personal information: Trusted reviewers review and verify the authenticity of documents.
Generate a digital signature and then notarize it to the blockchain network.
(3) Token: Generate an encrypted token for the customer, which can be used to verify the authenticity of the signature and document of the trusted party, thereby verifying the validity of each step of the KYC process. .
(4) Continuously updated.
When some documents become outdated or invalid, a workflow is introduced and updates are timestamped into the blockchain to prove the validity of these documents through a trusted node.

VII What applications can blockchain technology have in the insurance industry

Blockchain technology also has incomparable advantages in the insurance industry. From the perspective of data management, the application of blockchain technology by insurance companies can effectively improve risk management and control capabilities, including the risk supervision of insurance companies and the risk management of policyholders.

The application of blockchain technology in the insurance industry can strengthen the internal risk supervision of insurance companies. Blockchain technology can record the daily operating processes of insurance companies on nodes, and can achieve in-process control over the company's capital flow, investment status, compensation amounts and other businesses, and improve the company's risk management and control capabilities.

In addition, blockchain technology is safe, reliable, and cannot be tampered with at will, ensuring that the information obtained by the policy holder is true and effective, thereby enhancing the policy holder's risk management capabilities.

VIII Blockchain will be usedIn what scenarios is it used?

According to reports, blockchain finance has made great progress in these two aspects in recent years. The first breakthrough is the ability to establish a multi-dimensional three-dimensional interactive architecture. The second breakthrough is the ability to establish an open source, public, and trustworthy data registration and certification platform.

In the future, the financial field should be one of the most important areas for blockchain applications. In addition, Li Lihui believes that with the scale of blockchain, blockchain will be used in logistics, public services and The field of social management can also be widely used. This kind of system can provide services for both finance and non-financial services.

In terms of future development, there are actually two forms: multi-center and decentralization." Li Lihui said that the decentralized distributed system will be applied in some small-scale virtual communities, including the Ethereum community. , Bitcoin community, and large-scale applications should be a multi-center distributed ledger system.

However, the value of a single blockchain application is limited, and blockchain technology must Only when integrated with big data, artificial intelligence, cloud computing and 5G and 6G technologies can we be more efficient and create more value for society.