政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/138633

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政大機構典藏 > 商學院 > 資訊管理學系 > 期刊論文 > Item 140.119/138633

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题名:	Beyond the Block: A Novel Blockchain-Based Technical Model for Long-Term Care Insurance
作者:	彭志宏 Chih-Hung Peng Zhang, Wenping Chih-Ping Wei Qiqi Jiang Leon Zhao, J.
贡献者:	資管系
关键词:	Long-term care insurance; blockchain application; business interdependence; zero-knowledge proof; transaction-cost economics; blockchain in insurance
日期:	2021-08
上传时间:	2022-01-06
摘要:	The insurance business is characterized by complicated transactional interrelationships among various stakeholders involved in insurance-related activities. Given this unique nature, the century-old challenge in the insurance industry is to effectively reduce transaction costs among the stakeholders while maintaining business privacy and trust. Although blockchain is a promising technology to mitigate this challenge, two technical issues, namely (1) inefficiency in data auditing and (2) difficulty in verifying encrypted data, are of strategic importance when applying blockchain to the insurance industry. To address these technical challenges, we propose an innovative blockchain-based technical model, InsurModel, in the context of newly initiated long-term care insurance in China. Specifically, we utilize cryptographical methods including “zero-knowledge-proof” to 1) represent business interdependence and 2) verify confidential business information without disclosure of specifics. We demonstrate the scalability and applicability of InsurModel and explore its strategic implications in constraining adverse behaviors of the stakeholders.
關聯:	Journal of Management Information Systems, Vol.38, No.2, pp.374-400
数据类型:	article
DOI 連結:	https://doi.org/10.1080/07421222.2021.1912926
DOI:	10.1080/07421222.2021.1912926
显示于类别:	[資訊管理學系] 期刊論文

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