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区块链国际资讯

欧洲保险业启用区块链保护用户数据

如今,区块链技术在金融和技术领域得到了多方面的应用。

比如,近日欧洲14家保险公司就与德勤等公司合作,为帮助保险公司遵循《哈蒙法》规定提供了一个简单的区块链支持系统。(根据《哈蒙法》要求,如果客户希望在保单生效第一年更换保险公司,保险公司需为客户提供简单的转账服务。)

据了解,该区块链系统将为客户提供高度安全的信息存储。 欧盟最近出台的《一般数据保护条例》(GDPR)将于2018年生效,并可能对那些对消费者数据没有特别保护的公司实施大规模罚款。 而区块链技术在数据保护方面有着明显的优势。

与此同时,该平台依靠进程证明技术、通过共享数据存储库保护用户数据。也就是说,该系统将数据发布限制在处理交易的绝对最低限度。随着对安全性需求的不断增加,区块链正在为保险业带来重大变革。

Zen Protocol创始人兼首席执行官Adam Perlow 表示:

“如果保险公司在智能合同中设置了一些资金,而合同是根据客观精算师/预言确定的事件发生而支付的,那么就不需要新的激励计划,保险公司根本无法避免支出。从长远来看,一家保险公司使用智能合约获得公信力,其他人将被迫效仿。“

 

It seems that Blockchain technology is becoming ubiquitous among financial and technology spaces these days. With a huge adoption curve, the new technology space is quickly finding use cases in a number of industries.

The latest addition to the Blockchain revolution is insurance, as a group of fourteen European insurance providers have partnered together with Deloitte and other firms to provide a simple system for insurers to comply with the Hamon Law, with requires insurers to provide simple transfers for clients who wish to change companies during the first year.

The system will allow for highly secure information storage for customer data. The newest regulations from the EU, called General Data Protection Regulation (GDPR), will take effect in 2018, and could impose massive fines on companies that aren’t particularly protective of consumer data. The Blockchain technology platform will do what other technologies cannot in data protection.

The platform specifically relies on the Proof of Process technology in order to secure user data through a shared data repository. The system will limit data release to the absolute minimum for processing transactions. With increasing need for security, Blockchain is bringing substantial change for the insurance sector.

Adam Perlow Founder and CEO of Zen Protocol, said:

“If the insurer sets some money in a smart contract, and the contract pays out based on the occurrence of an event as determined by an objective actuary/oracle, then there is no need for novel incentive schemes, the insurer simply cannot avoid the payout. In the long run, as one insurance company uses smart contracts to gain the public trust, others will be forced to follow suit.”


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