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Blockchain mutual aid
Publish: 2021-03-30 14:15:53
1. At present, many network mutual aid platforms are saying that they are the first blockchain network mutual aid platform in China, but who is the real application? Now let's talk about it
let's talk about shuidi Huzhu first. In the PR draft, shuidi Huzhu is also the first network mutual aid platform for blockchain application in China. However, there is no shadow of blockchain either on the website or on the app, and the blockchain insurance laboratory has not seen the application of blockchain. However, we can still see from the recruitment that they are recruiting blockchain technical talents, Therefore, shuidi should not be considered as the first network mutual aid platform for blockchain application
in addition, the public trust group can say it. Take a look at what you see on the website, and then take a look at the blockchain of Tongxin mutual aid website. Why do the two look similar? Why? The blockchain of zhongtuobang is outsourced. The company itself does not have the technical capability of blockchain, and the outsourced blockchain directly copies the blockchain of Tongxin Huzhu, so there are two seemingly similar ones. In any case, the layman can't understand them, but the expert can see them at a glance, so they don't know what they think, It's useless to a diagram
finally, let's talk about Tongxin Huzhu. Tongxin Huzhu is a platform launched on July 9. Careful people will also find that they said it very early, but they just don't know why it was delayed for several months, so shuidi took the lead in occupying the first blockchain in China. However, Tongxin Huzhu's blockchain and website were launched on the same day, and the company is also a blockchain start-up company, No matter from the point of view of design or presentation, it is the application of blockchain technology. Although the number of websites is not dominant now, every user is authentic and can be found through blockchain. Therefore, concentric mutual aid is the network mutual aid platform that really applies blockchain technology in China. Pure technique, hope to adopt.
let's talk about shuidi Huzhu first. In the PR draft, shuidi Huzhu is also the first network mutual aid platform for blockchain application in China. However, there is no shadow of blockchain either on the website or on the app, and the blockchain insurance laboratory has not seen the application of blockchain. However, we can still see from the recruitment that they are recruiting blockchain technical talents, Therefore, shuidi should not be considered as the first network mutual aid platform for blockchain application
in addition, the public trust group can say it. Take a look at what you see on the website, and then take a look at the blockchain of Tongxin mutual aid website. Why do the two look similar? Why? The blockchain of zhongtuobang is outsourced. The company itself does not have the technical capability of blockchain, and the outsourced blockchain directly copies the blockchain of Tongxin Huzhu, so there are two seemingly similar ones. In any case, the layman can't understand them, but the expert can see them at a glance, so they don't know what they think, It's useless to a diagram
finally, let's talk about Tongxin Huzhu. Tongxin Huzhu is a platform launched on July 9. Careful people will also find that they said it very early, but they just don't know why it was delayed for several months, so shuidi took the lead in occupying the first blockchain in China. However, Tongxin Huzhu's blockchain and website were launched on the same day, and the company is also a blockchain start-up company, No matter from the point of view of design or presentation, it is the application of blockchain technology. Although the number of websites is not dominant now, every user is authentic and can be found through blockchain. Therefore, concentric mutual aid is the network mutual aid platform that really applies blockchain technology in China. Pure technique, hope to adopt.
2. Taojin coin is a virtual currency of Taobao, which can be used to offset cash when purchasing procts on Taobao. Taojin coin activity is that businesses can let buyers pay Taojin coin + cash to obtain procts or services
the rush to buy activity is just a promotional activity for a commodity on a certain day. Spend a certain amount of money, let Taobao help sellers promote, drain and trade.
the rush to buy activity is just a promotional activity for a commodity on a certain day. Spend a certain amount of money, let Taobao help sellers promote, drain and trade.
3. To answer this question, let's first introce the advantages and disadvantages of network mutual assistance and the advantages of applying blockchain technology
advantages of online mutual assistance:
online mutual assistance is actually a variant of foreign mutual insurance (or mutual insurance) in China. It inherits the characteristics of some modes of mutual insurance, such as organizational form and management methods. It also makes some changes according to the characteristics of China's insurance market and the current regulatory environment
Internet Mutual Aid relies on the Internet's efficient information matching ability, convenient payment service and low entry threshold, Therefore, network mutual aid has the ability to gather a large number of members in a short time
low cost
at least 50% ~ 80% cheaper than the traditional security scheme
high participation
the value provided by network mutual aid is easily accepted by users
flexible security
flexible procts, It can launch mutual aid procts for all kinds of people
shortcomings of online mutual aid:
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
user privacy
the general carrier of online mutual aid platform is technology company, which lacks supervision and public trust endorsement, Therefore, it is easy to be questioned
inefficient
compensation process is slow
Application of blockchain technology
we think that the emergence of blockchain technology provides solutions to these problems. The network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the risk control ability
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media and ordinary users can view and supervise the implementation of the rules at any time
the rules are efficient
all the funds are transferred according to the open and tamperable smart contract, Once determined, it can be executed accurately, no one can intervene, no legal person can misappropriate or intervene, which improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, Other people can't access and steal
the service will never be down
the network mutual assistance running on the public chain does not depend on whether a central server is online, which can ensure that the service provided will never be down
in the current insurance business, disputes between insurance companies and policy holders occur from time to time, or the policy holders provide false personal information to cheat insurance, Or there are differences in the determination of the exemption clause when settling the claim. The key to these problems lies in the lack of a real and reliable data collection and storage means for the personal information of the insured
with the advancement of national systematic projects such as medical information digitization and personal credit system, more and more authoritative data sources appear. If these data can be introced and stored on the blockchain, it will become the digital identity of everyone. The data above is authentic, can't be tampered with, real-time synchronization and life-long validity, It will bring great benefits to the risk management of the insured
the first is to get through the data between different companies and refer to each other, so as to discover the information of repeated insurance and historical claims in time, and discover high-risk users in time. Taking the 40 million accident insurance fraud in March this year as an example, Zhou of Yangzhou took out insurance in more than ten life insurance companies, which was not found out until the manual underwriting. If every insurance information is recorded in the blockchain, it can be found and timely measures can be taken
secondly, introcing data from different instries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. For example, if you can query all the medical records of the insured, even the medical records of the immediate family members, on the blockchain, you will have first-hand information about the current physical condition, disease history and family history of the insured, effectively eliminating the insurance with diseases
at present, Tongxin society is the first network mutual aid platform with blockchain technology as the core in China, so blockchain technology is also one of the effective technical means for in-process supervision.
advantages of online mutual assistance:
online mutual assistance is actually a variant of foreign mutual insurance (or mutual insurance) in China. It inherits the characteristics of some modes of mutual insurance, such as organizational form and management methods. It also makes some changes according to the characteristics of China's insurance market and the current regulatory environment
Internet Mutual Aid relies on the Internet's efficient information matching ability, convenient payment service and low entry threshold, Therefore, network mutual aid has the ability to gather a large number of members in a short time
low cost
at least 50% ~ 80% cheaper than the traditional security scheme
high participation
the value provided by network mutual aid is easily accepted by users
flexible security
flexible procts, It can launch mutual aid procts for all kinds of people
shortcomings of online mutual aid:
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
user privacy
the general carrier of online mutual aid platform is technology company, which lacks supervision and public trust endorsement, Therefore, it is easy to be questioned
inefficient
compensation process is slow
Application of blockchain technology
we think that the emergence of blockchain technology provides solutions to these problems. The network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the risk control ability
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media and ordinary users can view and supervise the implementation of the rules at any time
the rules are efficient
all the funds are transferred according to the open and tamperable smart contract, Once determined, it can be executed accurately, no one can intervene, no legal person can misappropriate or intervene, which improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, Other people can't access and steal
the service will never be down
the network mutual assistance running on the public chain does not depend on whether a central server is online, which can ensure that the service provided will never be down
in the current insurance business, disputes between insurance companies and policy holders occur from time to time, or the policy holders provide false personal information to cheat insurance, Or there are differences in the determination of the exemption clause when settling the claim. The key to these problems lies in the lack of a real and reliable data collection and storage means for the personal information of the insured
with the advancement of national systematic projects such as medical information digitization and personal credit system, more and more authoritative data sources appear. If these data can be introced and stored on the blockchain, it will become the digital identity of everyone. The data above is authentic, can't be tampered with, real-time synchronization and life-long validity, It will bring great benefits to the risk management of the insured
the first is to get through the data between different companies and refer to each other, so as to discover the information of repeated insurance and historical claims in time, and discover high-risk users in time. Taking the 40 million accident insurance fraud in March this year as an example, Zhou of Yangzhou took out insurance in more than ten life insurance companies, which was not found out until the manual underwriting. If every insurance information is recorded in the blockchain, it can be found and timely measures can be taken
secondly, introcing data from different instries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. For example, if you can query all the medical records of the insured, even the medical records of the immediate family members, on the blockchain, you will have first-hand information about the current physical condition, disease history and family history of the insured, effectively eliminating the insurance with diseases
at present, Tongxin society is the first network mutual aid platform with blockchain technology as the core in China, so blockchain technology is also one of the effective technical means for in-process supervision.
4. The headquarters of Tongxin mutual aid platform is on the second floor of 2-1, block a, 768 Creative Instry Park, No.5 Xueyuan Road, Haidian District, Beijing,
I read it directly from their website, ha ha.
I read it directly from their website, ha ha.
5. Blockchain is the underlying technology of bitcoin, like a database ledger, recording all transaction records. Because of its safety and convenience, this technology has graally attracted the attention of the banking and financial instry
the network mutual aid platform is a combination of the original insurance form and the Internet. By using the information matching function of the Internet, members promise to bear each other's risk and loss through the agreement. In order to avoid the indivial's heavy burden, it is agreed that the single mutual aid fund should not exceed several yuan, and the solvency problem is avoided
for example, the first network mutual aid platform based on blockchain in China is concentric mutual aid, and the network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the ability of risk control
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media and ordinary users can view and supervise the implementation of the rules at any time
the rules are efficient
all the funds are transferred according to the open and tamperable smart contract, Once determined, it can be executed accurately, no one can intervene, no legal person can misappropriate or intervene, which improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, Other people can't access and steal
the service will never be down
the network mutual assistance running on the public chain doesn't depend on whether a central server is online, which can ensure that the service provided will never be down
remember to adopt it..
the network mutual aid platform is a combination of the original insurance form and the Internet. By using the information matching function of the Internet, members promise to bear each other's risk and loss through the agreement. In order to avoid the indivial's heavy burden, it is agreed that the single mutual aid fund should not exceed several yuan, and the solvency problem is avoided
for example, the first network mutual aid platform based on blockchain in China is concentric mutual aid, and the network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the ability of risk control
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media and ordinary users can view and supervise the implementation of the rules at any time
the rules are efficient
all the funds are transferred according to the open and tamperable smart contract, Once determined, it can be executed accurately, no one can intervene, no legal person can misappropriate or intervene, which improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, Other people can't access and steal
the service will never be down
the network mutual assistance running on the public chain doesn't depend on whether a central server is online, which can ensure that the service provided will never be down
remember to adopt it..
6. To answer this question, we should first answer the advantages and disadvantages of the network mutual aid platform, and then the use value brought by the blockchain technology
advantages of network mutual aid:
network mutual aid relies on the Internet's efficient information matching ability, convenient payment service and low entry threshold, So network mutual aid has the ability to gather a large number of members in a short time
low cost
at least 50% ~ 80% cheaper than the traditional security scheme
high degree of participation
the value provided by network mutual aid is easily accepted by users
flexible security
flexible procts, It can launch mutual aid procts for all kinds of people
disadvantages of network mutual aid:
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
lack of credibility
the general carrier of network mutual aid platform is technology company, lack of supervision and public credit endorsement, Therefore, it is easy to be questioned
inefficient
compensation process is slow
what can blockchain + network mutual aid platform application bring
the network mutual aid application based on the blockchain platform can maximize the absolute security of funds, protocols and information, and improve the ability of risk control. For example, Tongxin mutual blockchain network mutual aid platform can bring four guarantees to users through blockchain:
transparent capital flow
all capital flow details are recorded on the blockchain, and the data can not be forged or tampered with to ensure the authenticity and effectiveness of the data, and all regulatory units, public media, Internet users, etc Ordinary users can view and supervise the rule execution at any time, which is efficient
all fund transfers are executed according to the open and tamper proof smart contract, and once determined, they can execute accurately, no one can intervene, no legal person can misappropriate or intervene, Improve the efficiency of rule execution
user information security
all personal sensitive information are highly encrypted storage, unless authorized by the user, other people can not access and steal
services will never be down
network mutual assistance running on the public chain does not depend on whether a central server is online, which can ensure that the services provided will never be down
advantages of network mutual aid:
network mutual aid relies on the Internet's efficient information matching ability, convenient payment service and low entry threshold, So network mutual aid has the ability to gather a large number of members in a short time
low cost
at least 50% ~ 80% cheaper than the traditional security scheme
high degree of participation
the value provided by network mutual aid is easily accepted by users
flexible security
flexible procts, It can launch mutual aid procts for all kinds of people
disadvantages of network mutual aid:
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
lack of credibility
the general carrier of network mutual aid platform is technology company, lack of supervision and public credit endorsement, Therefore, it is easy to be questioned
inefficient
compensation process is slow
what can blockchain + network mutual aid platform application bring
the network mutual aid application based on the blockchain platform can maximize the absolute security of funds, protocols and information, and improve the ability of risk control. For example, Tongxin mutual blockchain network mutual aid platform can bring four guarantees to users through blockchain:
transparent capital flow
all capital flow details are recorded on the blockchain, and the data can not be forged or tampered with to ensure the authenticity and effectiveness of the data, and all regulatory units, public media, Internet users, etc Ordinary users can view and supervise the rule execution at any time, which is efficient
all fund transfers are executed according to the open and tamper proof smart contract, and once determined, they can execute accurately, no one can intervene, no legal person can misappropriate or intervene, Improve the efficiency of rule execution
user information security
all personal sensitive information are highly encrypted storage, unless authorized by the user, other people can not access and steal
services will never be down
network mutual assistance running on the public chain does not depend on whether a central server is online, which can ensure that the services provided will never be down
7. At present, there are many domestic network mutual aid platforms, but there are still many problems. Now let's take the problems existing in the current network mutual aid platform<
shortcomings of online mutual aid platform
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
lack of credibility
the general carrier of online mutual aid platform is technology company, lacking supervision and public credit endorsement, Therefore, it is easy to be questioned
inefficient
the compensation process is slow
and the emergence of blockchain technology provides solutions to these problems. The network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the risk control ability. As the current network mutual aid platform of Tongxin mutual aid blockchain says, there are at least several advantages:
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered with to ensure the authenticity and effectiveness of the data, and all regulatory units, public media, and the Ordinary users can view and supervise the rule execution at any time, which is efficient
all fund transfers are executed according to the open and tamper proof smart contract, and once determined, they can execute accurately, no one can intervene, no legal person can misappropriate or intervene, It improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, other people can not access and steal
services will never be down
network mutual assistance running on the public chain does not depend on whether a central server is online, It can ensure that the services provided will never be down.
although the CIRC has not yet clearly defined this instry, it still supports those who can solve the problem of network mutual assistance, and for the masses, if they can accept the platform of network mutual assistance and join it, it means that they recognize the network mutual assistance, while the blockchain technology can solve the shortcomings of the network mutual assistance platform, I believe it will be recognized and supported in the future.
shortcomings of online mutual aid platform
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
lack of credibility
the general carrier of online mutual aid platform is technology company, lacking supervision and public credit endorsement, Therefore, it is easy to be questioned
inefficient
the compensation process is slow
and the emergence of blockchain technology provides solutions to these problems. The network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the risk control ability. As the current network mutual aid platform of Tongxin mutual aid blockchain says, there are at least several advantages:
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered with to ensure the authenticity and effectiveness of the data, and all regulatory units, public media, and the Ordinary users can view and supervise the rule execution at any time, which is efficient
all fund transfers are executed according to the open and tamper proof smart contract, and once determined, they can execute accurately, no one can intervene, no legal person can misappropriate or intervene, It improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, other people can not access and steal
services will never be down
network mutual assistance running on the public chain does not depend on whether a central server is online, It can ensure that the services provided will never be down.
although the CIRC has not yet clearly defined this instry, it still supports those who can solve the problem of network mutual assistance, and for the masses, if they can accept the platform of network mutual assistance and join it, it means that they recognize the network mutual assistance, while the blockchain technology can solve the shortcomings of the network mutual assistance platform, I believe it will be recognized and supported in the future.
8. Unknown_Error
9. There are five points:
1, Internet plus mutual assistance
2. Low cost and low price
co sponsored, mutual protection, no mutual assistance and uneven sharing, which is affordable to all
3. Help you protect me
a few yuan each time, you can get up to 300000 mutual aid fund in times of trouble. The perfect combination of love sharing and health insurance
4. Sharing rights and interests, sharing risks
gather common demands, resist common risks, and get warm together
5. Blockchain ensures openness and transparency
1) mutual management and democratic autonomy
members are managers, and all plans are initiated, managed and decided by the society independently
2) third party authoritative assessment investigation
all mutual aid events of the platform are entrusted to the third party authoritative assessment agency for independent investigation, so as to ensure the authenticity of mutual aid applications and protect the rights and interests of members
3) information publicity, collective decision-making
mutual aid events, assessment reports and other matters related to the interests of all members are decided by collective voting of all members, and the decision-making process and details are made public. As a platform provider, mutual aid is not involved or interfered
4) fund trusteeship and special fund for special purpose
all security funds are deposited in China Merchants Bank for third-party trusteeship. Only when mutual compensation occurs can the dection be made. The special fund is used for special purpose to ensure the safety of the fund account.
1, Internet plus mutual assistance
2. Low cost and low price
co sponsored, mutual protection, no mutual assistance and uneven sharing, which is affordable to all
3. Help you protect me
a few yuan each time, you can get up to 300000 mutual aid fund in times of trouble. The perfect combination of love sharing and health insurance
4. Sharing rights and interests, sharing risks
gather common demands, resist common risks, and get warm together
5. Blockchain ensures openness and transparency
1) mutual management and democratic autonomy
members are managers, and all plans are initiated, managed and decided by the society independently
2) third party authoritative assessment investigation
all mutual aid events of the platform are entrusted to the third party authoritative assessment agency for independent investigation, so as to ensure the authenticity of mutual aid applications and protect the rights and interests of members
3) information publicity, collective decision-making
mutual aid events, assessment reports and other matters related to the interests of all members are decided by collective voting of all members, and the decision-making process and details are made public. As a platform provider, mutual aid is not involved or interfered
4) fund trusteeship and special fund for special purpose
all security funds are deposited in China Merchants Bank for third-party trusteeship. Only when mutual compensation occurs can the dection be made. The special fund is used for special purpose to ensure the safety of the fund account.
10. Mutual insurance is deceptive. Don't believe it. You can look for information type blockchain websites. It's very easy to find information type blockchain websites. You can go online to "blockchain network". There are at least thousands of information stations like "blockchain XX network" in China. No, let's go online. Come to me if you have any questions.
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