互助保险与区块链的关系,互助保险与区块链的区别
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❶ What exactly is blockchain and which blockchains have physical applications
What is blockchain?
Official definition: Blockchain is a new application model of computer technology such as distributed data storage, point-to-point transmission consensus mechanism encryption algorithm, etc. The so-called consensus mechanism is a mathematical algorithm that establishes trust and obtains rights and interests between different nodes in the blockchain system.
Vernacular understanding: A block is to package all the data generated within a time period in chronological order. Generally, the length of a block is 10 minutes, which means that within 10 minutes, all the data on the Internet will The data is packed into a complete package, and this complete data package is called a block. The blockchain links these data packages in order to form a structure, and cryptographically ensures that it cannot be tampered with or forged to form a distribution. ledger, this is the blockchain.
It seems that everyone has a preliminary knowledge and understanding of the blockchain. So whether the blockchain has any practical application in daily life, the answer is yes, the current practical application There are mainly the following aspects. Of course, I may not know some of them. Friends are welcome to leave messages to add.
Financial Industry
Blockchain should be used the most in the financial industry.
For example, in May 2017, OMG (Omise Coin) announced that it would cooperate with Alipay to launch an e-wallet, integrating the "Alipay" payment solution into its own payment service suite to help local electronics in Thailand. Business merchants accept online payment transactions from Chinese tourists.
Another example is PPT, which is a financial transaction system for bills based on blockchain.
Gaming
The gambling industry entered the blockchain probably last year. Why does gambling favor blockchain? Because blockchain provides a relatively fair betting system. Why? It is relatively fair. As can be seen from the previous introduction, the blockchain cannot be tampered with or forged.
For example, WICC (WikiChain) can realize rich application scenarios such as asset issuance, betting applications, copyright traceability, mutual insurance, decentralized exchanges, and cross-border settlement.
For example, the STX (King of Fighters Token) stox application is designed to provide the full functionality of a prediction market application without the need for any central server. Prediction markets require functions such as event planning, market production, providing information and analysis to traders, reporting event results, and of course collection and payment.
I believe that if the current lottery industry is built on the blockchain, people will become more and more enthusiastic about buying, because there are too many insider tips that make people give up.
Internet of Things
The Internet of Things still has many applications on the blockchain, because the traceability and immediacy of blocks are very suitable for this industry.
For example, DATA is the concept of the Internet of Things. It is a decentralized p2p network. The data source can be connected to any node in the entire networkConnect, then publish the data and the network will send it to subscribers immediately. Achieve horizontal scalability through sharding pattern. This timeliness and accuracy are very important in IoT applications.
Game industry
For example, GTC (G coin) is a decentralized digital asset based on Ethereum erc20 issued by Game Global. G coin is committed to becoming a universal number in the global game industry. Monetary standards.
For example, MANA is a distributed shared virtual platform. On this platform, users can browse and discover content and interact with other people and entities. Users can also claim ownership of virtual territories through a blockchain-based land ledger. The territory is demarcated by rectangular coordinates (x, y), and its owner can decide the content published on the territory, including static 3D scenes to interactive systems such as games.
There are many other industries. The emperor did not list them one by one, but listed a few representative ones. What is the purpose? It shows that the blockchain is definitely not just a currency transaction, it is a real implementation project, and it is a product of the changes of the times with real practical uses.
The development of human society is actually like the blockchain, it is irreversible and unstoppable. As far as I feel, the blockchain will enter thousands of households sooner or later. Regardless of whether it is bull or bear, hold it in your hands. Value coins and Flush have started quoting digital currencies, which shows that society is accepting it step by step. The power of social development cannot be blocked by any country or person.
❷ Is blockchain + mutual aid insurance a new model of domestic online mutual aid?
Logically speaking, blockchain + mutual aid insurance is a new model of domestic online mutual aid, among which online mutual aid is The origin of insurance has been popular abroad for a long time. It is also considered a new model in China and is a complementary form to traditional insurance. Currently, the network mutual aid platforms for blockchain applications include Tongxin Huzhu (which is regarded as the first domestic blockchain project with real application) and Shuidi Huzhu (also a platform based on blockchain technology, but I don’t know where it will be used).
Blockchain technology is a new technology, and it is currently most widely used in the financial industry. I heard that IBM wants to apply blockchain technology to banks, which is very popular now. Technology is a hard condition, and other things are mutually reinforcing.
❸ Is the Tongxin Mutual Insurance Platform based on blockchain technology reliable?
To be reliable, you must believe in the technology. Blockchain technology has four core functions:
1. Open and transparent
Open and transparent. Once recorded, all information recorded on the blockchain is difficult to tamper with and cannot be hidden. Users can check it at any time
2. Democratic decision-making
Bottom-up Decision-making, blockchain proposes a variety of different consensus mechanisms to help users effectively form bottom-up decisions and jointly participate in major decisions
3. Accurate execution of rules
Accurate execution of rules, blockchain The smart contract technology defined on the chain converts all rules into open and clear codes, which can accuratelyIt is executed accurately and no one can interfere once it is determined
4. Never downtime
Never downtime, the blockchain based on the public chain is not affected by any organization or individual, as long as it is motivated The mechanism is effective, the Internet exists, and the blockchain exists
Furthermore, from the perspective of the founder of Tongxin Mutual Aid Platform, it was created by Yang Yongzhi, the original Dolphin browser, and the founding team is also from large companies such as Microsoft and Tencent, so Said it was reliable.
❹ What problems can Tongxinshe Network Mutual Insurance solve by using blockchain technology?
I have been studying blockchain technology recently and saw relevant information about Tongxinshe platform on the Internet. It was introduced that it is the first domestic application project of blockchain technology. It is an open mutual aid information service platform that uses blockchain technology to achieve decentralized information sharing and innovatively achieve comprehensive and transparent operations.
Most of the current online mutual aid insurance platforms have such problems:
Operation is not transparent
There may be problems such as the platform fabricating mutual aid events to steal user funds
User privacy
Online mutual aid The general carrier of the platform is technology companies, which lack supervision and public trust endorsement, so they are easily questioned
Inefficiency
Slow compensation process
Main features of blockchain technology:
Decentralization
Due to the use of distributed computing and storage, there is no centralized hardware or management organization. The rights and obligations of any node are equal. The data blocks in the system are jointly maintained by nodes with maintenance functions in the entire system. .
Openness
The system is open. In addition to the private information of the transaction parties being encrypted, the blockchain data is open to everyone. Anyone can query the blockchain data and information through the public interface. Develop related applications, so the entire system information is highly transparent.
Autonomy
The blockchain adopts consensus-based specifications and protocols (such as a set of open and transparent algorithms) to enable all nodes in the entire system to exchange data freely and securely in a trustless environment, making Trust in "people" has been changed to trust in machines, and any human intervention has no effect.
Information cannot be tampered
Once the information is verified and added to the blockchain, it will be stored permanently. Unless more than 51% of the nodes in the system can be controlled at the same time, modifications to the database on a single node will not be allowed. is invalid, so the data stability and reliability of the blockchain are extremely high.
Anonymity
Because the exchange between nodes follows a fixed algorithm, the data interaction is trustless (the program rules in the blockchain will judge whether the activity is valid by itself), so the counterparty does not need to disclose it through the The identity method allows the other party to trust themselves, which is very helpful for the accumulation of credit.
So, Tongxinshe, a network mutual aid platform developed based on the blockchain platform, can maximize the absolute security of funds, protocols, and information, and improve risk control capabilities.
❺The roles involved in blockchain digital insurance policies include:
The roles involved in blockchain digital policies include: Points Alliance
According to Li Xuefeng, in the insurance field, blockchain can assume an innovative role, such as Points system, points alliance, mutual aid economy, mutual aid insurance, as well as claims settlement and insurance in insurance, etc. Currently, the world's 25 largest banks are studying the use of blockchain technology to achieve a unified global standard for cross-border clearing. Although in the long run, blockchain technology will have an impact on the existing financial market structure, industries and institutions are still actively embracing new technologies.
❻ What blockchain technologies does the mutual insurance platform Tongxinshe use?
Mutual insurance (also called mutual insurance) is a voluntary organization of a group of people who have common requirements and face the same risks. , define the rules of risk compensation, and pay risk compensation allocation funds in advance to protect the risk losses of each participant. It is a mutual protection relationship between policyholders participating in mutual insurance.
Tongxinshe Mutual Insurance Platform is the first domestic application project of blockchain technology. With the help of blockchain technology, it can achieve decentralized information sharing, innovatively realize comprehensive and transparent operation, and build a fair, just and open platform for the public. , a safe and efficient open mutual aid information service platform.
Introduction to blockchain technology:
The first one is called a distributed ledger, which means that transaction accounting is completed by multiple nodes distributed in different places, and each node records a complete account. Therefore, they can all participate in supervising the legality of transactions and can also jointly testify for them. 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 last 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.
It’s not clear exactly what to use, butCan solve current problems:
Transparent fund flow
All fund flow details are recorded on the blockchain, and the data cannot be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, the public The media and ordinary users can view and supervise at any time
Efficient execution of rules
All fund transfers are executed in accordance with public and non-tamperable smart contracts. Once determined, they can be executed accurately. No one can intervene, misappropriate or interfere artificially, which improves the efficiency of rule execution
User information security
All personal sensitive information is highly encrypted and stored. Unless authorized by the user, others cannot access and Stealing
Services never go down
Network mutual assistance running on the public chain does not depend on whether a central server is online, and can guarantee that the services provided will never go down
Network mutual assistance is actually a domestic variant of foreign mutual insurance (or mutual insurance). It inherits some characteristics of the mutual insurance model, such as organizational form and management methods, and also makes some changes based on the characteristics of China’s insurance market and the current regulatory environment.
The benefits of online mutual aid
Online mutual aid relies on the Internet’s efficient information matching capabilities, convenient payment services, and low joining thresholds, so online mutual aid has the ability to gather a large number of members in a short period of time
Low cost
At least 50%~80% cheaper than traditional protection solutions
The value provided by network mutual aid is easily accepted by users
Flexible protection
Flexible products Diversified, mutual aid products for various groups of people can be launched
Problems with online mutual aid
Operation is not transparent
There may be problems such as the platform fabricating mutual aid events to steal user funds
User privacy
Online mutual aid platforms are generally carried by technology companies, which lack supervision and public trust, so they are easily questioned
Inefficiency
Slow compensation process
Currently the first online mutual aid company in China to apply blockchain technology Platform Tongxinshe believes that the emergence of blockchain technology provides solutions to these problems. Network mutual aid applications developed based on the blockchain platform can maximize the absolute security of funds, protocols, and information, and improve risk control capabilities.
Transparent fund flow
All fund flow details are recorded on the blockchain. The data cannot be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media, and ordinary users can view and supervise it at any time.
Efficient execution of rules
All fund transfers are executed in accordance with public and non-tamperable smart contracts. Once determined, they can be executed accurately and without error. No one can intervene or artificially misappropriate or intervene, which improves regulations.Then the execution efficiency
User information security
All personal sensitive information is highly encrypted and stored. Unless authorized by the user, others cannot view and steal it
The service will never be down
Run in the public domain The network mutual aid on the chain does not depend on whether a certain central server is online, and can ensure that the services provided will never be down
❽ Can blockchain + network mutual aid insurance solve the current problems
To answer this question, let’s first introduce the advantages and disadvantages of network cooperation and the benefits of applying blockchain technology.
Advantages of online mutual aid:
Online mutual aid is actually a domestic variant of foreign mutual aid insurance (or mutual insurance). It inherits some characteristics of the mutual insurance model, such as organizational form and management methods, and also makes some changes based on the characteristics of China’s insurance market and the current regulatory environment.
Online mutual aid relies on the Internet’s efficient information matching capabilities, convenient payment services, and low joining thresholds, so online mutual aid has the ability to gather a large number of members in a short period of time
Low cost
At least 50%~80% cheaper than traditional protection solutions
High participation
The value provided by online mutual aid is easily accepted by users
Flexible protection
The products are flexible and diverse, and can be launched for Mutual aid products for various groups of people
Disadvantages of online mutual aid:
Operation is not transparent
There may be issues such as the platform fabricating mutual aid events to steal user funds
User privacy
Online mutual aid platforms are generally supported by technology companies, which lack supervision and public trust, so they are easily questioned
Inefficiency
Slow compensation process
Application of blockchain technology
We believe that the emergence of blockchain technology provides solutions to these problems. Network mutual aid applications developed based on the blockchain platform can maximize the absolute security of funds, protocols, and information, and improve risk control capabilities.
Transparent fund flow
All fund flow details are recorded on the blockchain. The data cannot be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media, and ordinary users can view and supervise it at any time.
Efficient execution of rules
All fund transfers are executed according to public and non-tamperable smart contracts. Once determined, they can be executed accurately. No one can intervene, and no one can embezzle or interfere artificially, which improves the rules. Execution efficiency
User information security
All personal sensitive information is highly encrypted and stored. Unless authorized by the user, others cannot access or steal it
The service will never go down
Run on the public chain The network mutual assistance on the Internet does not depend on whether a certain central server is online, and can ensure that the services provided will never be down.
In current insurance operations, the relationship between insurance companies and policyholdersDisputes occur from time to time, either because policyholders provide false personal information to defraud insurance, or when claims arise, there are disagreements over the definition of exemption clauses. 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 to connect the data between different companies and refer to each other, so as to timely discover information such as repeated insurance and historical claims, and timely identify high-risk users. Take the fraudulent accidental injury insurance claim of RMB 40 million in March this year as an example. Zhou from Yangzhou purchased insurance from more than ten life insurance companies, but was not discovered until manual underwriting. If every insurance information he applies for is recorded in the blockchain, it can be discovered quickly and measures can be taken 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.
At present, Tongxinshe is the first online mutual aid platform in China that uses blockchain technology as its core. Therefore, blockchain technology is also one of the effective technical means for ongoing supervision.
