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openIDL streamlines regulatory reporting for U.S. insurance industry with Hyperledger Fabric
技术
- 应用基础设施与中间件 - 区块链
- 基础设施即服务 (IaaS) - 云计算
- 基础设施即服务 (IaaS) - 云存储服务
适用功能
- 商业运营
- 物流运输
用例
- 监管合规监控
- 远程资产管理
服务
- 云规划/设计/实施服务
- 数据科学服务
- 软件设计与工程服务
挑战
美国保险业在监管报告方面面临巨大挑战。50 个州的监管机构要求提供各种格式的数据，而且时间通常很短，保险公司难以跟上。他们提交的数据往往在报告时已经过时，对监管机构来说用处不大。该行业需要一个更高效、更安全的数据收集和共享系统。美国保险服务协会 (AAIS) 决定通过邀请保险公司和监管机构使用设计思维集思广益来解决这个问题。该组织提出了区块链网络的想法。
关于客户
美国保险服务协会 (AAIS) 是一家全国性的非营利性会员协会，作为财产和意外伤害 (P&C) 保险行业的统计代理、评级机构和顾问而成立。作为统计代理，AAIS 从会员保险公司收集数据，匿名化、汇总并将其传递给监管机构，以告知立法政策。州监管机构需要这些信息来帮助维持健康的行业，确保消费者不会被多收费或受到歧视，并且保险公司的收入足以维持偿付能力。AAIS 充当值得信赖的第三方，确保保险产品随着市场的变化而发展，并反映现实世界的行业经验。
解决方案
AAIS 决定使用区块链技术来创建一个更高效、更安全的数据收集和共享系统。他们选择了 Linux 基金会的 Hyperledger Fabric 作为区块链平台，并与 IBM 合作进行开发。该系统名为开放保险数据链接 (openIDL)，旨在简化监管报告、节省成本并为保险公司提供有用的见解，同时为监管机构收集更及时、更准确的数据。openIDL 网络包括三个不同的节点：单租户环境中的保险公司对等节点、由 AAIS 管理的多租户环境（为不运行自己节点的保险公司提供访问权限）以及由 AAIS 管理的弹出以发布提取信息的分析对等节点。每个节点的核心都是 Hyperledger Fabric 区块链以及 IBM 区块链管理工具。
运营影响
数量效益
相关案例.
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Case Study
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Case Study
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Case Study
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Caterpillar needed a flexible platform for a new generation of connected human-machine interfaces across a wide variety of industrial environments. Examples include marine, petroleum pumping, generators, custom hydraulics, mining, and rail applications.
Case Study
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Diagnostic devices play a vital role in helping to improve healthcare delivery. In fact, an estimated 60 percent of the world’s medical decisions are made with support from in vitrodiagnostics (IVD) solutions, such as those provided by Roche Diagnostics, an industry leader. As the demand for medical diagnostic services grows rapidly in hospitals and clinics across China, so does the market for IVD solutions. In addition, the typically high cost of these diagnostic devices means that comprehensive post-sales services are needed. Wanteed to improve three portions of thr IVD:1. Remotely monitor and manage IVD devices as fixed assets.2. Optimizing device availability with predictive maintenance.3. Recommending the best IVD solution for a customer’s needs.
