最后更新
2018年6月4日
Abstract
Despite the insurance industry’s success over the last 30 years, it has never been a technology
leader. Finally, with the Insuruem Protocol, the insurance value chain will become cost efficient
and simple, and create larger value in the insurance industry by enabling transactions between
stakeholders. Insurance companies, policyholders and 3rd parties alike can all make
transactions according to their own competencies, and all excess value (created from the
transactions) is shared based on their contribution.
Zikto started negotiations with insurance and financial institutions in 2015, concerning the
gathering and processing of lifecycle data. It was these new connections that led Zikto down the
path toward changing their focus as a company.
The Zikto team realized that a lot of players in traditional finance-based sectors have a strong
initiative to understand their current and potential customers. A data-gathering intermediary can
be a real asset for these sectors to understand their target audiences. With reliable data, they
can develop better products that are customized, digitalized and more cost-efficient.
However, it is very difficult and costly for these sectors to gather this data by themselves. It
requires a significant investment of time and money to develop and integrate such a system,
market it to the public, manage the data gathering processes, and analyze it. The Challenge,
Zikto’s data integration platform, bridged the gap nicely by providing data and analysis gathered
from various smart devices. Zikto secured a number of sales agreements and ongoing
negotiations with global insurance companies, as The Challenge offered a good value-for-price.
As just one of millions of app developers, Zikto ultimately decided to side with the win-win
monetization strategy of adjusting their focus to the processing and integration of data.
Now, Zikto is expanding the idea of data sharing to another level: developing a protocol to
facilitate the transactions. It will promote more stakeholders in the traditional insurance industry,
benefiting all. Insurers will find easier ways to gather data, users and policyholders will have
access to better insurance products, and third parties like app developers and sales agencies
will find optimal ways to monetize their services and products.
The Insureum Protocol is a new blockchain-based insurance ecosystem that seeks to connect
insurers, their customers, and developers. It is designed to assist insurance companies in
tailoring insurance policies to individual lifestyles to provide unique incentives for customers.
Zikto’s vision is for the Insureum Protocol to create the conditions through which many new
insurance products attractive to people under the age of forty are developed.
保险协议弥补了保险业,第三方开发商(应用和物联网)和保单持有人之间的技术差距。
与手工管理的价值链不同,Insureum协议使用区块链技术创建一个分散的生态系统,连接保险公司,保单持有人和第三方开发商,并寻求提供访问权限过多的单独匿名,但人口统计可识别的数据。支付的保费将丰富
行业的总价值创造。此外,创建的价值是根据每个利益相关者的贡献共享的。
近年来,相邻的行业(金融和医疗保健)一直在寻找新的方式来访问客户数据。在保险行业,物联网,可穿戴设备和其他智能技术可以向保险公司提供高度相关的客户信息,帮助他们定制计划并创建吸引潜在客户的保险产品。例如; GPS和远程信息处理跟踪可以告知保险公司某人驾驶的速度有多快,或者建议经常长时间驾驶的驾驶员应该安排更多的休息时间。其他技术可以追踪他们攀岩,骑自行车等的频率。保险公司还可以确定正常日期采取的步骤量,作为一种健康指标。
在Insurem协议生态系统中,保险公司,其保单持有人和第三方开发商可以交换名为Insureum的基于区块链的令牌来购买和出售匿名数据。
保险公司将收到他们想要的数据并拥有有机会开发全新的甚至更好的保险产品类型,特别是基于使用的保险细分。
鼓励开发人员将应用程序连接到Insureum协议以接收Insureum,并且保单持有人是因共享匿名数据而获奖。
保险协议的价值如下所述。任何特定利益相关者的价值可能会根据“保险协议”的未来发展和其他因素而有所不同。
然而,Zikto计划确保Insureum激励数据共享的主要思想将是</>在第一阶段以下列方式实现。
2.1。保户
保险协议赋予保单持有人更多权力,通过向保险公司提供多元化数据来选择与其生活方式完美匹配的计划,即使这些计划不能通过Zikto购买或通过市场营销进行销售保险协议,至少在初始阶段。
然而,我们计划在获得适当的监管许可后,在未来作为保险产品的自由市场。当投保人选择共享数据时,他们可以通过交易和赚取加密货币来获得奖励(Insureum)。他们可以在以后的阶段,在提出索赔时节省时间和精力,因为大部分流程都可以通过利用区块链上的智能合约实现自动化。
由于其适合所有人的性质,消费者保险产品无法满足各个保单持有人的需求。通过保险协议,保单持有人将能够购买定制的保险产品,例如(例如)宠物保险,仅用于长途驾驶的汽车保险,仅在假日季节期间的房地产保险,网络安全
保险和其他人以更合理的价格。其次,他们目前免费分享的数据将变得更有价值。数据用户(保险公司和其他第三方)将使用Insureum奖励
保单持有人(以及应用用户等其他数据提供商)的数据。考虑到目前几乎没有对数据的奖励,这将极大地影响对数据价值的看法。
想象一下,如果您达到每天步行10,000步的指标目标,那么会奖励您的保险单。或者如果你是一个安全的司机并且不要在交通中踩刹车,那么你将有权获得折扣。
2.2。保险公司
保险公司将能够创建包含内部或第三方
应用程序的迷你生态系统,这些应用程序可准确收集和分析(潜在)保单持有人的实际数据。在这些生态系统中,加密货币在开发商和保险公司之间交换,
可用于购买和销售匿名数据,以开发和管理定制产品。
能够通过区块链上的交叉引用交易识别欺诈行为也可以帮助保险公司在承保和索赔过程中节省时间和金钱。
2.3。
https://github.com/TeamZikto/Contract
2017.4.1
2017. 5. 1
2017. 6. 1
2017. 10. 16
2018. 5.30 Pre-Sale
2018. 3Q
2018. 4Q
2019. 2Q
2019. 4Q
2020
2020 3Q
2021
验证 93%
注意。未经证实的成员实际上可能不是团队成员
验证 85%
注意。未经证实的成员实际上可能不是团队成员
INSUREUM . is a blockchain-based insurance ecosystem that seeks to connect insurers, their customers and developers. It helps insurance companies in tailoring insurance policies to individuals lifestyles to provide unique incentives for the customers.
PROS:
CONS:
SUGGESTIONS:
NOTE:
The platform creates a decentralized ecosystem that easily connects the insurer, policy holders and other third parties enables insurance companies to offer faster and cost-efficient services making the project viable. I would therefore invest in it.
Tough industry with a lot of regulatory hurdles. However, this is an innovative product with a strong team with a record to boot. Would look forward to measured progress.
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