INSURANCE PAYMENT SYSTEM AND METHOD BASED ON RELIABILITY OF ACCIDENT INFORMATION USING SMART CONTRACTS

摘要

A system and method for paying insurance payments based on the reliability of accident information using a smart contract are disclosed. The insurance payment system based on the reliability of accident information using a smart contract according to an embodiment of the present invention receives basic accident information about an automobile accident in a blockchain using a smart contract for reporting accident information from the policyholder terminal and the policyholder terminal. It includes an insurance company server that acquires additional accident information based on the basic accident information, inputs the additional accident information into a smart contract for insurance payment calculation, and pays the insurance money determined by the insurance payment smart contract to the policyholder, and , The insurance premium calculation smart contract calculates confidence values for the additional accident information, calculates a confidence level for the automobile accident based on the confidence values, and sets the insurance amount according to the confidence level and the contract insurance amount. , The confidence values are inversely proportional to a time difference value between the accident time of the automobile accident and the generation time of the additional accident information, and a distance difference value between the accident location of the automobile accident and the generation position of the additional accident information.