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題名 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.
貢獻者 資管系
關鍵詞 Long-term care insurance ;  blockchain application ;  business interdependence ;  zero-knowledge proof ;  transaction-cost economics ;  blockchain in insurance
日期 2021-08
上傳時間 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
資料類型 article
DOI https://doi.org/10.1080/07421222.2021.1912926
dc.contributor 資管系
dc.creator (作者) 彭志宏
dc.creator (作者) Chih-Hung Peng
dc.creator (作者) Zhang, Wenping
dc.creator (作者) Chih-Ping Wei
dc.creator (作者) Qiqi Jiang
dc.creator (作者) Leon Zhao, J.
dc.date (日期) 2021-08
dc.date.accessioned 2022-01-06-
dc.date.available 2022-01-06-
dc.date.issued (上傳時間) 2022-01-06-
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/138633-
dc.description.abstract (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.
dc.format.extent 2480034 bytes-
dc.format.mimetype application/pdf-
dc.relation (關聯) Journal of Management Information Systems, Vol.38, No.2, pp.374-400
dc.subject (關鍵詞) Long-term care insurance ;  blockchain application ;  business interdependence ;  zero-knowledge proof ;  transaction-cost economics ;  blockchain in insurance
dc.title (題名) Beyond the Block: A Novel Blockchain-Based Technical Model for Long-Term Care Insurance
dc.type (資料類型) article
dc.identifier.doi (DOI) 10.1080/07421222.2021.1912926
dc.doi.uri (DOI) https://doi.org/10.1080/07421222.2021.1912926