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| Title: | 應用區塊鏈代幣化技術設計與實作參數型保險平台
Design and Implementation of a Parametric Insurance Platform using Blockchain Tokenization Technology |
| Authors: | 黃崇倫
Huang, Chung-Lun |
| Contributors: | 陳恭
Chen, Kung
黃崇倫
Huang, Chung-Lun |
| Keywords: | 參數型保險
代幣化技術
以太坊
智能合約
Chainlink
Chainlink Automation
Parametric Insurance
Tokenization Technology
Ethereum
Smart Contracts
Chainlink
Chainlink Automation |
| Date: | 2023 |
| Issue Date: | 2023-12-01 10:50:18 (UTC+8) |
| Abstract: | 近年來隨著區塊鏈技術和加密貨幣的興起，越來越多以區塊鏈為基礎的保險商品被提出討論，其中參數型保險因其獨特的產品特性，適合在區塊鏈上以數據驅動的方式來實現。本研究旨在探討使用區塊鏈技術及代幣化策略來解決當前保險市場的問題，透過設計與實作一個基於區塊鏈的參數型保險平台來驗證其效益與可行性。該研究提出了創新的區塊鏈保險解決方案，將傳統保險的數據以智能合約進行參數化，賦予要保人自訂保險內容的彈性，同時結合了代幣化技術與投資人的角色來維持平台的運行，以實現保險的自動化交易。
在系統實作方面，透過將保險的理賠邏輯實現於以太坊區塊鏈上，並使用ERC-20的代幣標準來達成權益代幣的交易與轉讓。同時為了符合實際的應用場景，將系統與去中心化預言機 Chainlink做整合，以實現保險理賠的自動化執行。經實驗證實，該系統能適用於多種保險場景，並具有良好的擴展性與可移植性。本研究的方法與觀點可為保險行業的轉型與升級提供新的思路和方向，對區塊鏈在保險行業的應用研究具有重要的參考價值。
In recent years, with the rise of blockchain technology and cryptocurrencies, many insurance products based on blockchain have been proposed and discussed. Among them, parametric insurance is suitable for data-driven implementation on the blockchain due to its unique product characteristics. This study explores blockchain technology and tokenization strategies to solve the current problems in the insurance market by designing and implementing a parametric insurance platform based on blockchain to verify its benefits and feasibility. The study proposes an innovative blockchain insurance solution that parameterizes traditional insurance data with smart contracts, granting policyholders the flexibility to customize their insurance contents. It also combines tokenization technology and the role of investors to maintain the platform’s operation to achieve automated insurance transactions.
In the system implementation, the claimed logic of insurance is implemented on the Ethereum blockchain, and the ERC-20 token standard is used to achieve the trading and transfer of equity tokens. To meet the real-world application scenarios, the system is integrated with the decentralized oracle Chainlink to achieve automated insurance claim execution. Experiments have confirmed that the system can be applied to various insurance scenarios and has good extensibility and portability. The methods and perspectives of this study can provide new ideas and directions for the transformation and upgrading of the insurance industry and have essential reference value for the application research of blockchain in the insurance industry. |
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| Description: | 碩士
國立政治大學
資訊管理學系
110356022 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0110356022 |
| Data Type: | thesis |
| Appears in Collections: | [資訊管理學系] 學位論文
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