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澳大利亚计划利用区块链管理联邦政府国家残疾保险计划

区块链国际资讯

澳大利亚计划利用区块链管理联邦政府国家残疾保险计划

据Zdnet 10月8日报道,澳大利亚联邦科学和工业研究组织(CSIRO)的下属机构Data61正在探索区块链在联邦政府国家残疾保险计划(后文简称NDIS)中的应用。

通过与澳大利亚联邦银行(Commonwealth Bank of Australia, CBA)合作开发一款应用程序及一个名为“智能赚钱”(Making Money Smart)的实验, Data61正尝试在基于区块链的平台上创建“智能货币”(Smart Money)或即可编程货币。

Data61表示,通过附加条件,“智能货币”知道哪些地方可以花费资金、资金可被哪一方花费以及何时可以花费。之所以将NDIS作为“概念验证”(Proof of concept)的第一个案例研究对象,因为“它涉及高度个性化的支付条件”。

NDIS规定,个人和他们的照顾者可以获得多种不同的资金,用于购买不同的商品和服务。因此,Data61表示,基于区块链的应用程序已经开发出来,可以让用户在不需要文书或收据的情况下,查找、预订和支付NDIS服务提供商的服务。目前,该应用程序已经被NDIS的参与者和他们的护理人员在作为测试使用了。

CBA负责实验和区块链的Sophie Gilder周二在一份声明中表示:

“可编程货币代表了重新设想我们如何看待货币,以及支付如何在整个经济中发挥作用的机会。”

Data61补充道,智能货币是通过区块链代币解决方案来实现的,该方案可以与澳大利亚新的支付平台进行融合。Data61软件和计算系统项目的首席高级研究员Mark Staples博士说道:

“这是一个非常有趣的项目,可以研究区块链技术如何与新的支付技术相结合,以为NDIS参与者和服务提供商提供更多的选择、控制和灵活性。我们对围绕可编程货币的更广泛的研究机会特别感兴趣,因为它可以减少商业交易中的摩擦,使公司能够创造新的商业模式并通过创新的方式来交付和支付产品和服务。这将使客户受益,并减少支付管理的行政负担。”

今年5月,政府数码改革署(DTA)透露其有意调查使用区块链发放福利款项的情况。代理首席执行官兰Randall Brugeaud在澳大利亚悉尼举行CeBIT展览会上表示,其原型可能在2019年中期面世。他说道:

“我们的计划是寻找全澳联邦的用例,首先着眼于福利支付系统,然后我们将按照我们的数字服务标准进行用户研究,争取在下一个财政年度末创造出一个原型。”

Data61在与CBA进行试验之前,该行于今年8月就代表其客户世界银行(World Bank)完成了全球首只通过区块链发行的债券。。

根据CBA的说法,该新的债务工具(bond-i)“澳元袋鼠债券($AUD Kangaroo bond)”将使用私有的以太坊区块链,其创建、分配、转移和管理等整个生命周期都将只依赖于分布式账本技术。该两年期债券筹集的资金达1.1亿澳元。

今年7月,该行还通过一个基于区块链的供应链试验将杏仁从澳大利亚运到了德国。

同样,Data61与法律事务所Herbert Smith Freehills及科技巨头IBM合作构建了一个基于区块链的智能法律合约网络,其在8月份透露,澳大利亚国家区块链机构将使各组织对合约的管理实现数字化,内容将覆盖合约的从洽谈到签约的生命周期及协议条款。

The Commonwealth Scientific and Industrial Research Organisation's (CSIRO) Data61 is exploring the application of blockchain for use in the federal government's National Disability Insurance Scheme (NDIS).

Developing an app in partnership with the Commonwealth Bank of Australia (CBA), through the Making Money Smart trial, Data61 is toying with the creation of "smart money" -- or programmable money -- on a blockchain-based platform.

By attaching conditions, Data61 said the smart money knows what it can be spent on, who it can be spent by, and when it can be spent.

According to Data61, the NDIS was targeted as the first case study for the proof of concept as "it involves highly personalised payment conditions".

Under the NDIS, individuals and their carers can receive multiple different funding amounts, to be spent on different goods and services. As a result, Data61 said the blockchain-based app has been developed to allow them to find, book, and pay for services from NDIS service providers without the need for paperwork or receipts.

It is already being tested by NDIS participants and their carers.

"Programmable money represents an opportunity to re-envisage how we think about money and how payments function across the economy," CBA head of experimentation and blockchain Sophie Gilder said in a statement Tuesday.

Smart money is enabled by a blockchain token solution that could integrate with Australia's New Payments Platform, Data61 added.

"This has been a really interesting research project into how blockchain technology can integrate with new payments technologies to provide more choice, control, and flexibility for conditional payments for NDIS participants and service providers," Data61 Senior Principal Researcher in the Software and Computational Systems program Dr Mark Staples said.

"We're particularly interested in the broader research opportunity around programmable money, because it should reduce friction in business transactions, and enable companies to create new business models and innovative ways of delivering and paying for products and services. This would benefit customers and reduces the administrative burden involved in managing payments."

The government's Digital Transformation Agency (DTA) in May revealed its intention to probe the use of blockchain for welfare payment delivery.

"Our plan is to look for use cases across the Commonwealth with an initial focus on the welfare payment delivery system, then working with our digital service standard, we'll conduct user research with a view to having a prototype by the end of next financial year," Acting CEO Randall Brugeaud told the CeBIT Australia conference in Sydney, noting also that a prototype could be in the market come mid-2019.

Data61's trial with CBA follows the bank in August completing the world's first bond delivered via blockchain, on behalf of its client, the World Bank.

According to CBA, the "$AUD Kangaroo bond", Blockchain Offered New Debt Instrument (bond-i), which uses a private Ethereum blockchain, was created, allocated, transferred, and managed through its life cycle solely using distributed ledger technology.

The two-year bond raised AU$110 million.

The bank also sent almonds from Australia to Germany in a blockchain-based supply chain trial in July.

Similarly, Data61 partnered with law firm Herbert Smith Freehills and tech giant IBM to build a blockchain-based smart legal contracts network, revealing in August the Australian National Blockchain will enable organisations to digitally manage the lifecycle of a contract, from negotiation through to signing, and continuing over the term of the agreement.


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