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波兰保险公司正在试用Billon公司的区块链数字退款系统

2020-10-9 12:52

 

分布式账本技术(DLT)公司Billon与波兰第二大保险公司ERGO Hestia合作,为该保险公司的客户提供区块链服务,该服务能够对超额支付的保费进行即时退款。的创新,通过标记化的国家货币,已经被一群选择因此9月初以来的客户,现在将驾驶与更广泛的观众。


该解决方案旨在解决处理保费退款的难题,如果退还者的银行账户信息没有记录在案,这一难题就会特别复杂。通常情况下,如果一辆汽车被出售,客户可能会被拖欠部分保单保费。但客户购买汽车保险时不需要提供他们的银行信息,尤其是离线投保时。在没有这些数据的情况下,对保险公司来说,支付这些小额还款是很昂贵的。这可能包括给客户打电话或写信。


新过程包括金或银解决方案,规范子公司的金或银,发行电子货币如波兰兹罗提标记化的。客户可以通过ERGO Hestia的自动支付系统收取资金,而无需直接与保险公司接洽。客户只需要提供电子邮件地址或手机号码,就可以知道他们还有钱要收。


有一个带有ERGO Hestia品牌的门户网站,客户可以在闲暇时登录。如果他们希望收到钱到他们的银行账户,他们可以在网上添加它。


百隆的分布式数字现金系统使用百隆授权的区块链技术。数字货币符合欧盟法律对电子货币的定义。


今年早些时候,Billon从FIS和其他机构筹集了600万美元,并将这些资金用于各种机构。奥地利雷菲森银行(Austrian Raiffeisen Bank)最近宣布了一个与这家创业公司合作的试点项目,而比隆的系统也已投入使用,作为菲利普莫里斯公司激励计划的一部分,用于向完成销售目标的零售商和品牌大使支付报酬。

 

Distributed ledger technology (DLT) firm Billon has partnered with ERGO Hestia, the second largest insurance company in Poland, to provide the insurer’s clients with a blockchain service that enables instant refunds of premium overpayments. The innovation, which is enabled through tokenized national currency, has been used by a select group of ERGO’s customers since early September and will now be piloted with a broader audience.

The solution aims to solve the challenges of processing premium refunds, which can be especially complicated if the refundee’s bank account information is not on record. Often if a car is sold, the client may be owed a partial repayment of the insurance policy premium. But the client doesn’t have to provide their bank details to take out car insurance, especially if it’s done offline. And in the absence of that data, it’s expensive for the insurer to make these small repayments. That might include calling the client or writing to them.

The new process involves Billon Solutions, a regulated subsidiary of Billon, issuing e-money as tokenized Polish zlotys. Clients can collect their funds through ERGO Hestia’s automated payout system without directly engaging with the insurer. All that’s needed is the email address or mobile phone number to let the client know that there is money available to collect.

There’s a portal with ERGO Hestia’s branding, where the clients log on at their leisure. If they wish to receive the money to their bank account, they can add it online.

Billon’s Distributed Digital Cash system uses Billon’s permissioned blockchain technology. The digital money complies with the definition of e-money per EU legislation.

Earlier this year Billon raised $6 million from FIS and others and has used tokenized cash for a variety of institutions. Austrian Raiffeisen Bank recently announced a pilot project with the startup, and Billon’s system is already in use as part of Philip Morris’ incentive program to pay retailers and brand ambassadors for meeting sales targets. 

 

来自: Ledger Insights