你所不知道的区块链应用,生活化!

区块链技术是一种去中心化的分布式记账技术,在金融服务的各个领域都有巨大的应用和创新潜力,正影响着金融领域的方方面面,保险行业也不例外,然而现在区块链技术的应用仍处于早期的探索阶段,距保险行业大规模使用区块链技术还有很大的距离。在《理论周刊》中,也从多个角度分析了区块链技术对保险行业的影响,深入剖析了区块链技术在保险行业应用中的问题 

澳大利亚联邦政府正在测试一种区块链应用程序,以探索使用区块链技术为该国的国家残疾保险计划(NDIS)创造“智能货币”。

The Australian federal government is testing a blockchain application to explore the use of blockchain technology to create ‘smart money’ for the country’s National Disability Insurance Scheme (NDIS). 

这项被称为“精明赚钱”的试验由澳大利亚联邦科学与工业研究组织(CSIRO)和澳大利亚联邦银行(CBA)联合开发,后者是澳大利亚国内四大零售银行之一。

Dubbed “Making Money Smart”, the trial is jointly developed by the Commonwealth Scientific and Industrial Research Organization (CSIRO) – Australia’s federal science agency – and the Commonwealth Bank of Australia (CBA), one of the domestic ‘big four’ retail banks

周二公布的一项声明显示,这一概念验证试验将使用智能合同创造“智能货币”或“可编程货币”作为该国残疾保险计划的区块链代币,使参与者和服务提供商能够有条件地处理付款。

你所不知道的区块链应用,生活化!

从本质上讲,这款原型机允许公民管理自己的残疾保险计划,而不需要任何文书工作或收据,“让他们能够从服务提供商那里找到、预订和支付服务”。

The proof-of-concept trial will use smart contracts to create ‘smart money’ or ‘programmable money’ as blockchain tokens to the country’s disability insurance program, an announcement on Tuesday revealed, enabling participants and service providers to process payments conditionally.In essence, the prototype allows citizens to manage their disability insurance plan without the need for any paperwork or receipts ‘by enabling them to find, book and pay for services’ from service providers. 

澳大利亚联邦科学署(federal science agency)解释说,NDIS被选为概念验证的首个案例研究,因为它涉及高度个性化的支付条件。“在NDIS项目中,参与者都有各自的计划,可以包含多个预算类别——每个类别都有不同的支出规则。”

‘The NDIS was selected as the first case study for the proof of concept, as it involves highly personalised payment conditions,’ Australia’s federal science agency explained. ‘In the NDIS, participants have individualised plans that can contain multiple budget categories – each with different spending rules.’

作为对区块链技术的显著认可,这款“智能货币”还将与澳大利亚的新支付平台(New payment Platform)进行整合。

In a notable endorsement of blockchain technology, the ‘smart money’ will also be designed to integrate with Australia’s New Payments Platform, a new national payments infrastructure that enables real-time low-value payments. 

CSIRO软件和计算系统项目高级首席研究员Mark Staples博士说:“这是一个非常有趣的研究项目,研究区块链技术如何与新的支付技术相结合,为NDIS参与者和服务提供商提供更多的选择、控制和灵活性。”

Dr. Mark Staples, senior principal researcher at CSIRO’s software and computational systems program stated:“This has been a really interesting research project into how blockchain technology can integrate with new payments technologies to provide more choice, control and flexibility for conditional payments for NDIS participants and service providers.”

概念验证已经得到了政府和业内其他利益相关者的反馈,原型应用程序目前正在NDIS用户和服务提供商中进行测试。

The proof-of-concept has already seen feedback from the government and other stakeholders in the industry with the prototype app currently being tested among NDIS users and service providers. 

CBA负责实验的负责人苏菲•吉尔德(Sophie Gilder)表示,区块链技术的应用将使所有参与者受益。他补充说,公民将进一步获得授权,而护理服务提供商的管理成本将更低——所有这些都将在政府的更大关注下实现。

he application of blockchain technology will benefit all participants, CBA’s head of Experimentation and Blockchain Sophie Gilder said, adding citizens will be empowered further while care-providers see fewer administration costs – all under greater visibility of the Government.

CSIRO有开发区块链解决方案的历史。今年早些时候,美国联邦机构牵头组建了一个新的数据联盟,其中包括科技巨头IBM,该联盟开发了一个全国性的区块链平台,通过跨行业的智能合同实现。美国国家科学署(national science agency)还宣布了其“Red Belly区块链”首次全球试验的结果,在亚马逊(Amazon)的商业云基础设施上每秒扩展了3万笔交易。

The CSIRO has a history in developing blockchain solutions. Earlier this year, the federal agency led the formation of a new data consortium that includes technology giant IBM to develop a nationwide blockchain platform enabled by smart-contracts across industries. The national science agency also announced results of the first global trial of its ‘Red Belly Blockchain’, scaling 30,000 transactions per second on Amazon’s commercial cloud infrastructure. 

在其他地方,首尔也进行了类似的尝试,为该市居民支付商业保险费用

In a similar effort elsewhere, Seoul has already trialed commercial insurance payments on a blockchain for the city’s residents.

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