以車載設備及區塊鏈為基礎之汽車保險與維護平台

An On-board Equipment and Blockchain Based Automobile Insurance and Maintenance Platform

吳定寰(Ting-Huan Wu)

指導教授 ： 林永松

國立臺灣大學/管理學院/資訊管理學研究所/碩士(2019年)

https://doi.org/10.6342/NTU201901315

摘要

以實際駕駛行為作計費基礎的汽車保險已逐漸導入我國產物保險市場，然而，由於一些技術及隱私權的問題，目前市面上的UBI (Usage Based Insurance)車險大多依照駕駛人的行駛里程、行駛時間或行駛路段作為計費標準，並非理想中真正完全以實際駕駛行為作為計費標準之保險商品。本文的研究主題旨在提出一個以車載設備與區塊鏈為基礎且具前瞻性之UBI車險及其維護平台，討論本平台可能的使用者、線上線下的服務及其互動模式，探討本平台之可行性、區塊鏈的性質以及相關衍生隱私及管理議題，並闡述本研究如何改善現有車險限制以及作出的貢獻。

關鍵字

區塊鏈 ； 智能合約 ； 金融科技 ； 保險科技 ； UBI車險

並列摘要

The usage-based automobile insurance product is already imported to Taiwan’s insurance product market. However, due to some technology and privacy problems, the exist UBI (Usage Based Insurance) products are mostly use the drivers’ driving distance, driving time or driving area as premium calculating standard. The objective of this thesis is providing a forward-looking usage-based automobile insurance and its maintenance platform based on the on-board equipment and the blockchain technology, describing the possible stakeholders, services, and their interaction modes. Also, this thesis will discuss the feasibility of this platform, the configuration of the blockchain and related management or privacy issues to explain how this research can improve the existing limitation of usage-based automobile insurance or traditional automobile insurance and its contributions.

並列關鍵字

Blockchain ； Smart contract ； Finance technology ； Insurance technology ； Usage based automobile insurance

參考文獻

Taian Insurance Co. Ltd., "UBI Smart Automobile Insurance," 2018. [Online]. Available: https://www.taian.com.tw/web_ubi/index.asp. [Accessed: 26- Dec- 2018]

Valentina Gatteschi, Fabrizio Lamberti, Claudio Demartini, Chiara Pranteda, Victor Santamaria, "To blockchain or not to blockchain: that is the question," IEEE IT Professional, pp. 62-74, March/April 2018.

Todd Binion, Joe Harr, Brian Fields, Steven Cielocha, Steve J. Balbach, " Synchronization of vehicle sensor information," U. S. Patent 9,959,764, May 1, 2018.

The Non-Life Insurance Association of the Republic of China, Automobile insurance fare rating regulation, 2016.

The Industrial Technology Research Institute, "UBI (Usage Based Insurance) Driving Behavior Insurance Application Service," 2017. [Online]. Available: https://ictjournal.itri.org.tw/Content/Messagess/contents.aspx?MmmID=654304432122064271&MSID=744065365075657457. [Accessed: 27- Dec- 2018]