卫士链——基于区块链的数字资产保险平台

WisChain-Blockchain—Based on Digital Asset Insurance Platform

摘要: 区块链(Blockchain)是一种分布式可共享的、通过共识机制可信的公开账本。纵观区块链发展的历程，区块链已经从最早的“为币而生”逐渐发展成为贯穿信用、银行、保险、安全等各行各业的“革命者”。卫士链是一个基于国内最大公链纳世链技术的开放式的数字资产的保险平台，卫士链项目借鉴了伦敦劳埃德保险社的理念，一个交易数字资产保险的风险市场，是一个去中心化的“劳合社”，为希望转移风险的人与愿意承接风险的企业和个人提供交易平台。本文主要设计了基于区块链的网络身份安全数字资产保险系统平台，在卫士链平台上参与者都可以是保险发行人，保险发行人可以根据用户的个性化需求使用智能合约提供个性化的定制保险服务，构建针对两种用户群的提供保险服务模型，包括个人网络身份安全数字资产保险和企业数据库安全保险，在评估索赔阶段自动触发智能合约自动理赔，构建一个稳定的区块链保险平台，其保费由动态定价模型来决定，解决了传统保险公司对于网络数字资产不敢保，理赔条款不到位，保险保费不透明的问题。

Abstract: Blockchain is a distributed, shareable, and trusted public ledger through a consensus mechanism. Throughout the development of the blockchain, the blockchain has gradually developed from the earliest “born for currency” to a “revolutionary” that runs through various industries such as credit, banking, insurance, and security. Our WisChain is an open digital asset insurance platform based on the technology of the largest public chain in China. The WisChain project draws on the concept of London Lloyd Insurance Company, a risk market for trading digital asset insurance. A decentralized “Lloyd’s” provides a trading platform for people who want to transfer risks and companies and individuals who are willing to take risks. This article mainly designs a blockchain-based network identity security digital asset insurance system platform. On the Wischain platform, all participants can be insurance issuers, and insurance issuers can use smart contracts to provide personalized customization according to the individual needs of users. Insurance services, build insurance service models for two user groups, including personal network identity security, digital asset insurance and corporate database security insurance, and automatically trigger smart contracts to automatically settle claims during the evaluation of claims stage, building a stable blockchain insurance platform. The premium is determined by a dynamic pricing model, which solves the problem that traditional insurance companies dare not protect digital assets on the Internet, the claim clauses are not in place, and the insurance premiums are not transparent.