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一个值得信赖和安全的基于使用的保险保单拍卖机制和平台,使用区块链和智能合约技术
Wen-Yao Lin1, Kuang-Yen Tai1, Frank Yeong-Sung Lin1
1Department of Information Management, National Taiwan University, Taipei 10617, Taiwan.
Sensors (Basel, Switzerland)
|July 29, 2023
概括
本研究介绍了基于使用的保险 (UBI) 在汽车互联网 (IoV) 中拍卖的区块链框架. 该系统有效地将司机与保险公司相匹配,确保公平的定价,并通过分散的投标算法增强消费者信任.
科学领域:
- 计算机科学 计算机科学
- 信息系统信息系统信息系统
- 区块链技术 区块链技术
背景情况:
- 基于使用的保险 (UBI) 模式需要安全和透明的政策分配机制.
- 汽车互联网 (IoV) 对保险中的数据管理和交易完整性提出了独特的挑战.
- 现有的保险拍卖系统缺乏现代应用所需的分散的信任和效率.
研究的目的:
- 设计和分析基于区块链的架构框架,用于IOV.IOV内的UBI政策拍卖.
- 开发一个提高消费者信任并确保公平保险定价的拍卖机制.
- 调查UBI的分散投标算法的效率和可扩展性.
主要方法:
- 为UBI环境量身定制的特定区块链架构的开发.
- 使用圆曲线密码学和第一价封闭竞标拍卖的去中心化竞标算法的实施.
- 集成智能合约用于数据完整性和动态定价调整.
- 在不同数量的参与保险公司中,对系统性能进行实验性评估.
主要成果:
- 拟议的区块链框架有效地支持 IoV 应用程序中的 UBI 政策拍卖.
- 分散的投标算法证明了效率,随着保险公司的数量呈指数增长,时间上的开销略有增长.
- 报价分配在显著缩短的时间框架内实现,这表明系统可扩展性.
- 智能合约成功地防止了未经授权的修改,并使保险价格与市场价值保持一致.
结论:
- 开发的基于区块链的UBI拍卖机制对于IoV应用程序来说是高效和可扩展的.
- 该系统通过透明度和安全,分散的投标来增强消费者的信任.
- 这些发现支持区块链技术的可行性,用于彻底改变基于使用的保险行业.
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