Seguros Mútuos com Smart Contracts via Blockchain
Abstract
A solution was proposed to create efficient, cheap and secure mutual insurance pools on the Ethereum blockchain for an insurance startup located in São Paulo (SP), Brazil. Groups are made up of people who come together to protect against predetermined risks and are self-administered to some extent. The results show that the group’s administration is carried out through smart contracts that automatically execute the conditions agreed by the parties. All business rules and financial reserves are kept in the smart contract. Users interact with the system in a web application that uses a Web3 API, which has a client area and a P2P insurance area for managing new groups and acting in the indemnity process.References
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da Silva, B. C. and da Silva Sendin, I. (2020). Smart contracts como uma plataforma para computação segura. In Anais Estendidos do XX Simpósio Brasileiro em Segurança da Informação e de Sistemas Computacionais, pages 235–241. SBC.
Dannen, C. (2017). Introducing Ethereum and solidity, volume 1. Springer.
Gabrich, Y. B., Coelho, I. M., and Coelho, V. N. (2017). Tendências para sistemas microgrids em cidades inteligentes: Uma visão sobre a blockchain. XLIX Simpsio Brasileiro de Pesquisa Operacional, Blumenau, pages 1–12.
Gatteschi, V., Lamberti, F., Demartini, C., Pranteda, C., and Santamaría, V. (2018). Blockchain and smart contracts for insurance: Is the technology mature enough? Future Internet, 10(2).
Kirli, D., Couraud, B., Robu, V., Salgado-Bravo, M., Norbu, S., Andoni, M., Antonopoulos, I., Negrete-Pincetic, M., Flynn, D., and Kiprakis, A. (2022). Smart contracts in energy systems: A systematic review of fundamental approaches and implementations. Renewable and Sustainable Energy Reviews, 158:112013.
Kshetri, N. (2021). Blockchain-based smart contracts to provide crop insurance for smallholder farmers in developing countries. IT Professional, 23(6):58–61.
Nakamoto, S. (2008). Bitcoin: A peer-to-peer electronic cash system. Decentralized business review.
Nanda, S. K., Panda, S. K., Das, M., and Satapathy, S. C. (2022). Automating vehicle insurance process using smart contract and ethereum. In Chakravarthy, V. V. S. S. S., Flores-Fuentes, W., Bhateja, V., and Biswal, B., editors, Advances in MicroElectronics, Embedded Systems and IoT, pages 237–247, Singapore. Springer Nature Singapore.
Palma, L. M., Vigil, M. A., Pereira, F. L., and Martina, J. E. (2019). Blockchain and smart contracts for higher education registry in brazil. International Journal of Network Management, 29(3):e2061.
Santos, G. (2023). Celulares lideram lista de furtos e roubos, mas só 11% têm seguro no país. Disponível em: [link]. Acesso em 11 de outubro de 2023.
Published
2023-10-23
How to Cite
HAYASHI, Victor; PENHA, Renato; SILVA, Gabriela; VIEIRA, Lucas; FERREIRA, Luiz; MUARREK, Raduan; DIAS, Sophia; OLIVEIRA, Vitor.
Seguros Mútuos com Smart Contracts via Blockchain. In: REGIONAL SCHOOL OF COMPUTER NETWORKS (ERRC), 20. , 2023, Porto Alegre/RS.
Anais [...].
Porto Alegre: Sociedade Brasileira de Computação,
2023
.
p. 79-84.
DOI: https://doi.org/10.5753/errc.2023.924.
