Cold chain interruption event insurance claim settlement automation in cell storage and transportation

Abstract

The invention provides an automatic insurance claim settlement system and method for a cold chain interruption event in a cell storage and transportation process. According to the system, cell storage and transportation environment parameters are monitored in real time through Internet of Things equipment, environment data are recorded in a non-tampering manner by using a block chain technology, and when a cold chain interruption event is detected, an intelligent contract is automatically triggered to execute a claim settlement process. The system comprises an environment monitoring module, a data processing module, an event judgment module, an intelligent contract module and a claim settlement execution module. According to the method, real-time monitoring, automatic judgment and rapid claim settlement of the cold chain interruption event in the cell storage and transportation process are realized, the claim settlement efficiency and transparency are improved, and human intervention and fraud risks are reduced.

Description

Technical Field

[0001] The present invention relates to the intersection of biotechnology, insurance technology and Internet of Things technology, and specifically to an automated insurance claims system and method for cold chain interruption events during cell storage and transportation based on Internet of Things and blockchain technology. Background of the Invention

[0002] 1. Importance of cell storage and transportation: Fields such as cell therapy, stem cell research, and biopharmaceuticals require extremely high temperature stability for cell storage and transportation. Interruption of the cold chain may lead to loss of cell activity and cause significant economic losses.

[0003] 2. Deficiencies in existing insurance claims: The traditional insurance claims process is cumbersome and relies on manual judgment and paper records. This leads to problems such as low data credibility, long claims processing cycles, and numerous disputes.

[0004] 3. Current status of technological development: Internet of Things technology can already achieve real-time monitoring of environmental parameters, blockchain technology provides a solution for data immutability, and smart contracts can achieve automated execution. However, existing technologies have not yet been effectively integrated and applied in the field of cell storage and transportation insurance.

[0005] Technological evolution

[0006] 1. Phase 1: Manually record temperature data, use paper insurance policies, and rely entirely on manual claims processing.

[0007] 2. The second stage: electronic temperature recorders are used, but data silos are a serious problem and claims processing still requires manual intervention.

[0008] 3. The third stage: IoT temperature monitoring system, where data can be viewed remotely, but the authenticity and integrity of the data are still questionable.

[0009] 4. The fourth stage (this invention): An integrated solution of IoT + blockchain + smart contracts to automate the entire process from monitoring to claims settlement. Summary of the Invention

[0010] Overall system architecture

[0011] The system of the present invention includes the following main modules:

[0012] 1. Environmental monitoring module: It consists of IoT sensors distributed in cell storage devices and transport containers to monitor key parameters such as temperature, humidity, and CO2 concentration in real time.

[0013] The environmental monitoring module is the core data acquisition unit of the system, responsible for real-time monitoring of key environmental parameters during cell storage and transportation. This module consists of the following submodules:

[0014] (1) Sensor Network:

[0015] ①Temperature sensor

[0016] It uses high-precision digital temperature sensors (such as DS18B20, PT100) with a measurement range of -200°C to +100°C, suitable for liquid nitrogen storage (-196°C) and ultra-low temperature freezing (-80°C) environments.

[0017] Accuracy: ±0.1°C (within the range of -80°C to -196°C).

[0018] Sampling frequency: Default is 30 seconds / time, supports dynamic adjustment (such as increasing to 5 seconds / time in case of abnormality).

[0019] ②Humidity sensor

[0020] Used to monitor the storage environment humidity (such as the humidity in the gas phase area of ​​a liquid nitrogen tank).

[0021] Measuring range: 0%RH~100%RH, accuracy ±2%RH.

[0022] Applicable scenarios: dry ice transportation, gas phase liquid nitrogen storage, etc.

[0023] ③Vibration sensor (accelerometer)

[0024] Monitor mechanical vibration or shock during transportation.

[0025] Three-axis accelerometer, range ±16g, sampling rate 100Hz.

[0026] Trigger threshold: >0.5g (adjustable), used to detect abnormal vibration.

[0027] ④Gas sensor (optional)

[0028] CO2 sensor (for incubator environment monitoring).

[0029] O2 sensor (monitors oxygen concentration in liquid nitrogen tanks to prevent suffocation risks).

[0030] (2) Data collection and preprocessing:

[0031] ①Edge computing unit (ECU)

[0032] Deployed in a storage device or transport container, it is responsible for the initial processing of sensor data.

[0033] Function:

[0034] Data filtering (removing noise interference).

[0035] Outlier detection (such as sudden changes in temperature data).

[0036] Local cache (temporarily storing data during network interruptions).

[0037] ②Calibration mechanism

[0038] Regular automatic calibration of the sensor (e.g., correcting drift errors by using a reference temperature source).

[0039] Supports remote manual triggering of calibration (for example, when laboratory staff discover data anomalies).

[0040] (3) Communication module:

[0041] ① Wired communication

[0042] Suitable for fixed storage equipment (such as liquid nitrogen tanks, ultra-low temperature refrigerators).

[0043] Interface: RS485, Ethernet (PoE power supply).

[0044] ② Wireless communication

[0045] Short range: Bluetooth 5.0 (for device configuration and local data export).

[0046] Long distance:

[0047] LoRaWAN (Low Power Wide Area Network, suitable for shipping containers).

[0048] 5G / NB-IoT (scenarios with high real-time requirements).

[0049] ③ Network disconnection emergency plan

[0050] The local SD card stores backup data (automatically synchronized after network recovery).

[0051] Satellite communication module (for transportation in extreme environments, such as polar scientific research samples).

[0052] (4) Power management:

[0053] ①Power supply mode

[0054] Main power supply: AC / DC adapter (fixed storage device).

[0055] Backup power supply:

[0056] Lithium battery (transport container, battery life ≥ 7 days).

[0057] Solar panels (for long-term field transport).

[0058] ②Low power design

[0059] Dynamically adjust the sampling frequency (30 seconds / time in normal situation, 5 seconds / time in abnormal situation).

[0060] Sleep mode: The sensor enters standby mode when there is no event.

[0061] (5) Physical protection

[0062] Waterproof and dustproof: IP67 level (protected against rain and dust during transportation).

[0063] Shock resistance: The sensor is mounted on a shock-absorbing mount.

[0064] Tamper-resistant design:

[0065] The housing is sealed (special tools are required to open it after the alarm is triggered).

[0066] Electronic tag (Tamper-proof RFID, records events in case of illegal disassembly).

[0067] (6) Data output format:

[0068] Standardized JSON structure, including:

[0069]

[0070] Note: "The code is only for explaining the technical solution, and does not require the protection of the program itself"

[0071] This module ensures the real-time, accuracy and anti-interference of environmental data through multi-sensor fusion, edge computing and reliable communication, providing a trusted data source for subsequent blockchain evidence storage and smart contract judgment.

[0072] 2. Data acquisition and transmission module: transmits sensor data to the blockchain network through an encrypted channel.

[0073] The data collection and transmission module is responsible for safely and efficiently transmitting the raw data collected by the environmental monitoring module to the blockchain storage module, and ensuring the integrity and traceability of the data. This module consists of the following submodules:

[0074] (1) Data acquisition control unit:

[0075] ① Collection strategy management

[0076] Timed collection: Automatically read sensor data at fixed intervals (such as 30 seconds).

[0077] Event-triggered acquisition: When a parameter exceeds a threshold (such as a sudden temperature rise), the acquisition frequency is immediately increased (such as 5 seconds / time).

[0078] Manual collection: supports remote commands to trigger temporary data collection (such as spot checks by laboratory personnel).

[0079] ②Data preprocessing

[0080] Filtering: Use sliding average algorithm to eliminate instantaneous noise interference.

[0081] Anomaly detection: Automatically remove obviously erroneous data (such as temperature values ​​outside the reasonable range).

[0082] Data compression: Use lossless compression algorithm to reduce transmission load.

[0083] (2) Data transmission protocol:

[0084] ①Communication protocol stack

[0085] Application layer: MQTT protocol (lightweight, suitable for IoT devices).

[0086] Transport layer: TCP (reliable transmission) or UDP (low latency, for real-time alarms).

[0087] Network layer: IPv6 (supports massive device address allocation).

[0088] ②Data encapsulation format

[0089] Header information: includes device ID, timestamp, and data version number.

[0090] Payload data: sensor readings (temperature, humidity, etc.) and status information (battery charge, signal strength).

[0091] Check code: CRC32 check to ensure data integrity.

[0092] (3) Network transmission solution:

[0093] ①Fixed storage device transmission

[0094] Wired network: Directly connect to the server through the laboratory LAN.

[0095] Redundant design: Dual network card hot standby, automatic switching when the main link fails.

[0096] ②Transportation by mobile transport container

[0097] Cellular network: 5G / NB-IoT (wide coverage, low power consumption).

[0098] Satellite communication: used in polar regions, oceans and other areas without base stations (such as Iridium modules).

[0099] Offline cache: When the network is interrupted, data is temporarily stored in the local flash memory and can be resumed after recovery.

[0100] (4) Security mechanism:

[0101] ①Encrypted transmission

[0102] Symmetric encryption: AES-256 encrypts sensor data.

[0103] Key management: dynamic key distribution and regular rotation.

[0104] ② Identity authentication

[0105] Device Certificate: Each sensor has a built-in unique digital certificate.

[0106] Two-way authentication: MTLS (mutual TLS) handshake between the server and the device.

[0107] ③ Anti-replay attack

[0108] Sequence numbers are added to data packets to reject duplicate or out-of-order messages.

[0109] (5) Quality of Service (QoS) Guarantee:

[0110] ① Priority classification

[0111] Real-time alarm data: highest priority, transmitted immediately.

[0112] General monitoring data: medium priority, batch upload.

[0113] Device log: low priority, transmitted during idle time.

[0114] ②Flow control

[0115] Adaptive bandwidth adjustment: Automatically reduce the transmission rate when the network is congested.

[0116] Data fragmentation: Large files are transferred in chunks, and in case of failure only the lost fragments are retransmitted.

[0117] (6) Condition monitoring and self-maintenance:

[0118] ① Equipment health monitoring

[0119] Regularly report its own status (CPU load, memory usage).

[0120] Abnormal self-diagnosis: trigger an alarm when a sensor fails.

[0121] ②Remote maintenance interface

[0122] Support OTA (over-the-air upgrade) firmware update.

[0123] The device can be reset or acquisition parameters can be adjusted remotely.

[0124] This module ensures highly reliable transmission and security of data from the collection end to the blockchain through multi-protocol adaptation, intelligent traffic scheduling and end-to-end encryption, providing a solid foundation for subsequent claims automation.

[0125] 3. Blockchain storage module: Uses distributed ledger technology to store all environmental monitoring data in an unalterable manner.

[0126] The blockchain storage module is responsible for storing collected environmental data and key operation records in an unalterable manner, and ensuring that all participants (insurance companies, cell banks, regulatory agencies, etc.) can verify the authenticity and integrity of the data. This module consists of the following submodules:

[0127] (1) Blockchain network architecture:

[0128] ①Node type

[0129] Full node: stores all blockchain data and participates in consensus verification (such as insurance companies and third-party auditing agencies).

[0130] Light node: only stores block headers for fast query (such as transport vehicle terminal equipment).

[0131] Gateway node: responsible for data conversion between IoT devices and blockchain networks.

[0132] ②Network topology

[0133] Consortium chain structure: adopts a permissioned chain model, and only authorized institutions can participate in bookkeeping.

[0134] Multi-center deployment: Nodes are distributed across the cloud, enterprise servers, and edge computing centers.

[0135] (2) Data on-chain mechanism

[0136] ①Data classification

[0137] Key environmental data: raw sensor data such as temperature and humidity (packaged and uploaded to the chain every 5 minutes).

[0138] Operation log: equipment calibration, maintenance records, etc. (real-time on-chain).

[0139] Claims event: cold chain interruption judgment results and compensation records (immediately uploaded to the chain when triggered).

[0140] ②On-chain process

[0141] (a) Data hash calculation: Generate a unique fingerprint for the original data (SHA-256 algorithm).

[0142] (b) Timestamp service: Time is marked in conjunction with a trusted time source (such as the National Time Service Center).

[0143] (c) Transaction packaging: Multiple data hashes are packaged into a block candidate every 10 seconds.

[0144] (3) Consensus Mechanism

[0145] ① Practical Byzantine Fault Tolerance (PBFT)

[0146] Four-stage consensus: request, pre-prepare, prepare, and commit.

[0147] Fault tolerance: No more than 1 / 3 of the nodes are allowed to act maliciously or fail.

[0148] ②Dynamic weight adjustment

[0149] The node voting weight is dynamically adjusted based on its historical credibility (such as data accuracy).

[0150] New nodes must pass 2 / 3 of the votes of existing nodes before they can join.

[0151] (4) Data storage structure

[0152] ①Block design

[0153] Block header: contains version number, previous block hash, Merkle root, and timestamp.

[0154] Block body: stores transaction data (environmental data hash + metadata).

[0155] Block size: limited to 1MB to control storage bloat.

[0156] ②Extending off-chain storage

[0157] IPFS integration: Large files (such as device calibration videos) are stored in the InterPlanetary File System and only hashed onto the chain.

[0158] Separation of hot and cold data: Recent data is retained on-chain, and historical data is archived to a distributed database.

[0159] (5) Security and privacy protection:

[0160] ①Data encryption

[0161] Field-level encryption: Sensitive information (such as device ID) is encrypted using the national encryption standard SM4.

[0162] Zero-knowledge proof: supports verifying the validity of data without revealing the original value.

[0163] ②Access control

[0164] Role permission model:

[0165] Insurance companies: can read and write claims-related data.

[0166] Regulatory agencies: Read-only access to all data.

[0167] Device manufacturer: Only maintains relevant device logs.

[0168] Attribute-Based Encryption (ABE): Dynamically authorize access based on data tags.

[0169] (6) Performance optimization:

[0170] ①Tiered storage

[0171] Hot data: Data from the last 7 days is cached in an in-memory database (such as Redis).

[0172] Warm data: Data within 1 year is stored on a high-performance chain.

[0173] Cold data: Migrate data to low-cost object storage earlier.

[0174] ② Sharding technology

[0175] The data are stored in shards according to the cell bank ID, and the data of different institutions are physically isolated.

[0176] Cross-shard queries are coordinated through the main chain.

[0177] (7) Regulatory compliance design:

[0178] ①Audit interface

[0179] Regulators can directly extract data for any time period through the API.

[0180] Provides data lineage tracing function, showing the entire chain from collection to chain.

[0181] ②Data deletion mechanism

[0182] Comply with GDPR's "right to be forgotten" requirements by marking deletion through smart contracts (the actual data is still retained but access is denied).

[0183] Through multi-level storage, refined permission management and efficient consensus algorithms, this module ensures immutability while taking into account system performance, providing a legally effective data evidence foundation for insurance claims.

[0184] 4. Event determination module: Automatically determines whether a cold chain interruption event has occurred based on preset rules.

[0185] The event determination module analyzes collected environmental data in real time, automatically determining whether a cold chain disruption has occurred based on pre-set rules and triggering the subsequent claims process. This module employs a multi-level determination mechanism to ensure the accuracy and reliability of its results.

[0186] (1) Data input and preprocessing

[0187] ①Data source access:

[0188] Real-time data stream: Receives sensor data (temperature, humidity, etc.) from the environmental monitoring module.

[0189] Historical data reference: retrieve the environmental baseline data of the same device for the past 30 days.

[0190] External data fusion: integration of auxiliary information such as weather forecasts and traffic conditions.

[0191] ②Data standardization:

[0192] Unit conversion (such as Fahrenheit to Celsius).

[0193] Time zone normalization (all timestamps converted to UTC+8).

[0194] Device data alignment (multi-sensor timestamp synchronization calibration).

[0195] (2) Decision rule engine

[0196] ①Threshold rule base:

[0197] Basic threshold:

[0198] Temperature: Liquid nitrogen environment allows fluctuation range of ±2°C (-196°C reference).

[0199] Humidity: Stem cell storage requires 30%-60% RH.

[0200] Dynamic Threshold:

[0201] The transportation stage has a 5% wider tolerance than the warehousing stage.

[0202] The monitoring frequency is automatically reduced during night time.

[0203] ② Compound event rules

[0204] Persistent abnormality: The temperature exceeds the threshold for three consecutive times (with an interval of 5 minutes).

[0205] Mutational anomaly: Temperature changes exceeding ±5°C within 10 minutes.

[0206] Combined abnormality: temperature exceeds the limit and is accompanied by a vibration alarm (possibly due to equipment tipping over).

[0207] (3) Intelligent analysis algorithm:

[0208] ①Trend prediction model

[0209] Predict environmental changes in the next 30 minutes based on ARIMA time series analysis.

[0210] When the predicted value exceeds the threshold, an alert is triggered (not an actual event).

[0211] ②Root cause analysis

[0212] Equipment failure mode identification (such as specific temperature rise curve of refrigerant leakage).

[0213] External interference judgment (such as sudden changes caused by the opening of the transport vehicle door).

[0214] ③Estimation of cell activity loss

[0215] The Arrhenius equation was used to calculate the temperature-time cumulative effect.

[0216] The percentage of output activity loss is used as the basis for claims.

[0217] (4) Multi-level judgment process:

[0218] ① Primary automatic judgment

[0219] (a) Single parameter threshold check (e.g. temperature exceeding the limit).

[0220] (b) Duration verification (excluding instantaneous interference).

[0221] (c) Corroborative evidence from linked sensors (e.g. synchronous anomalies in humidity increase credibility).

[0222] ②Intermediate manual review

[0223] Suspicious incidents will automatically generate reports and push them to the insurance company’s backend.

[0224] Manual confirmation time limit: If not processed within 30 minutes, it will be passed by default.

[0225] ③ Final ruling mechanism

[0226] Disputed matters are submitted to a third-party expert committee for voting.

[0227] The entire adjudication process is recorded using blockchain.

[0228] (5) Output and linkage:

[0229] ①Event classification output

[0230] Level 1 event (minor deviation): only recorded and does not trigger claims.

[0231] Level 2 event (may affect activity): initiate early warning notification.

[0232] Level 3 event (confirmation failure): claims are automatically initiated.

[0233] ②Cross-module linkage

[0234] Trigger key data of blockchain evidence storage events.

[0235] Notify the transportation management system to adjust the route (such as sending it for repair nearby).

[0236] Activate the backup storage device switch command.

[0237] (6) Rule update mechanism:

[0238] ① Dynamic learning optimization

[0239] The threshold is automatically adjusted based on historical judgment results (e.g. if a device frequently falsely reports an error, the threshold is relaxed by 2%).

[0240] Generate rule effectiveness reports monthly for manual review.

[0241] ②Emergency rules hot update

[0242] Dedicated rule sets are loaded on the fly as new cell types are added to the library.

[0243] Temporary judgment standards will be pushed to the entire network after a major accident.

[0244] (7) Audit and traceability:

[0245] ① Evidence of the judgment process

[0246] Record all original data and intermediate results involved in the calculation.

[0247] Save the decision logic version number and parameter snapshot.

[0248] ② Counterfactual Analysis

[0249] Supports manual input of hypothesis data to verify the consistency of judgment results.

[0250] Provide legally recognized documentation of the determination process.

[0251] Through multi-dimensional verification and a progressive judgment mechanism, this module effectively balances automation efficiency and manual supervision needs while ensuring an accuracy rate of over 99.5%, providing authoritative event identification for subsequent smart contract execution.

[0252] 5. Smart contract module: Contains claim condition judgment logic and automatic execution code.

[0253] The smart contract module is the core of the system's automated execution. It automatically triggers pre-set insurance clauses based on event determinations, completing the entire process from event confirmation to claim payment. This module ensures the immutability and automatic execution of contract terms through the blockchain network.

[0254] (1) Contract structure design:

[0255] ① Layered contract structure

[0256] Main contract: stores the core terms of the insurance agreement (such as the insured party, insurance amount, and validity period).

[0257] Sub-contract:

[0258] Environmental standard contracts (storage parameter thresholds for each cell type).

[0259] Claim calculation contract (including compensation formula and calculation logic).

[0260] Arbitration contracts (voting rules for resolving disputes).

[0261] ②Contract template library

[0262] Standard shipping insurance template (including GPS tracking requirements).

[0263] Long-term storage insurance template (including regular equipment maintenance clause).

[0264] Customizable templates (with additional clauses to support specific cell types).

[0265] (2) Contract deployment mechanism:

[0266] ①Signing process

[0267] (a) The insured party confirms the insurance terms through digital signature.

[0268] (b) The insurance company uploads the signed PDF version of the policy to IPFS.

[0269] (c) The system automatically generates the corresponding smart contract code and deploys it to the blockchain.

[0270] ② Version control

[0271] A new contract address is generated each time the terms are changed, and the old contract is marked as a historical version.

[0272] Supports querying the valid contract content at any time point through timestamp.

[0273] (3) Execution trigger conditions:

[0274] ①Event type mapping

[0275] Temperature exceeding the standard → triggers the "Storage Environment Breach Clause".

[0276] Transportation delay event → triggers the "Time Guarantee Additional Clauses".

[0277] Equipment failure event → triggers the "Third Party Liability Recovery Clause".

[0278] ②Multi-condition combination judgment

[0279] Environmental data exceeds the threshold.

[0280] The duration meets the policy requirements.

[0281] There is no valid ground for exemption (such as natural disaster).

[0282] (4) Claims calculation logic:

[0283] ① Basic calculation model

[0284] Linear compensation: loss amount = (abnormal duration / total insurance duration) × insured amount.

[0285] Tiered compensation:

[0286] Within 1 hour: 5% of the insured amount will be paid.

[0287] 1-3 hours: 15% compensation.

[0288] More than 3 hours: full compensation.

[0289] ②Dynamic adjustment factor

[0290] The cell viability test report (if any) will serve as the basis for final revision.

[0291] The insured party's historical claim record affects the compensation coefficient (floating between 0.8-1.2).

[0292] (5) Funds processing procedures:

[0293] ①Automatic payment mechanism

[0294] (a) Lock the corresponding compensation amount in the insurance company account.

[0295] (b) After confirmation by three blockchains, the funds will be released to the insured party’s account.

[0296] (b) Support fiat currency channel (linked bank API interface).

[0297] ②Special treatment

[0298] Large claims (exceeding 50% of the insured amount) require additional manual review.

[0299] Disputed claims are transferred to the deposit escrow status.

[0300] (6) Contract security mechanism:

[0301] ① Vulnerability protection

[0302] Automatically scan contract code vulnerabilities every month (simulated hacker attack test).

[0303] Set call frequency limit for key functions (to prevent DDOS attacks).

[0304] ② Emergency braking

[0305] The regulator holds a super key and can freeze problematic contracts.

[0306] The contract has a sunset clause (it will automatically expire if not activated within 3 years).

[0307] (7) Contract interaction interface:

[0308] ①Insured party operation

[0309] Real-time query of claim status.

[0310] Download electronic compensation voucher.

[0311] Dispute appeal submission.

[0312] ②Insurance operation

[0313] Statistical analysis of insurance policy data.

[0314] Fund pool balance monitoring.

[0315] Exception list management (insured parties who have repeatedly defrauded the policyholder).

[0316] (8) Compliance audit function:

[0317] ①Leave traces throughout the entire process

[0318] Record each contract call:

[0319] Trigger time.

[0320] Input parameters.

[0321] Execution results.

[0322] Gas consumption.

[0323] ②Generation of regulatory reports

[0324] Automatically generate quarterly reports that comply with the CBIRC format.

[0325] Supports direct extraction of anti-money laundering data through regulatory API.

[0326] This module converts traditional insurance clauses into programmable logic, ensuring legal effectiveness while achieving claims response within seconds. Compared with traditional processes, it is more than 200 times more efficient, and all operations are recorded in an unalterable manner on the blockchain.

[0327] 6. Claims execution module: connects with the insurance company and the insured's account to automatically complete the transfer of claims funds.

[0328] The claims execution module is the final output of the system, responsible for converting the smart contract's judgment results into actual claims payment operations and completing all related follow-up processing. This module ensures a seamless process from claim triggering to funds arriving in the account.

[0329] (1) Claim trigger management:

[0330] ①Trigger signal reception

[0331] Directly receive digital compensation instructions from the smart contract module

[0332] Synchronously obtain the complete event evidence package stored on the blockchain

[0333] Verify instruction signature to ensure source legitimacy

[0334] ②Multi-level trigger confirmation

[0335] Primary confirmation: Smart contract automatically generates compensation instructions

[0336] Secondary confirmation: Insurance company risk control system review (for large claims)

[0337] Final confirmation: the blockchain network reaches consensus

[0338] (2) Funds processing system:

[0339] ①Multi-currency support

[0340] Digital currency: Automatically connect to mainstream public chains to complete token transfers

[0341] Fiat currency: inter-bank transfers through bank APIs

[0342] Special scenario: support for insurance voucher issuance

[0343] ②Cash flow design

[0344] (a) Pre-authorization of insurance company reserve account

[0345] (b) Generate a unique claim transaction number

[0346] (c) Funds are transferred to the insured party’s designated account in real time

[0347] (d) Transaction vouchers are automatically uploaded to the blockchain (3) Compensation method management:

[0348] ①Standard compensation process

[0349] Full cash compensation: Applicable to cases where the loss amount is clear. Installment compensation: Large compensation is paid according to the agreed period. In-kind compensation: The cooperative laboratory provides cell re-preparation services.

[0350] ②Handling of special circumstances

[0351] Dispute compensation: Funds are temporarily deposited in a third-party escrow account. Excess compensation: Reinsurance sharing mechanism is activated.

[0352] Cross-border claims: Automatic processing of foreign exchange settlements (4) Notification and confirmation:

[0353] ①Multi-party notification system

[0354] Policyholders: SMS + email + APP push notifications Insurance companies: Internal system automatically generates claims records Regulatory agencies: Major claims are automatically filed

[0355] ②Electronic certificate management

[0356] Generate electronic compensation certificate with digital signature

[0357] Support PDF / OFD format download

[0358] The credential hash value is stored on the chain in real time

[0359] (5) Subsequent processing mechanism:

[0360] ① Equipment disposal instructions

[0361] Problem equipment is automatically marked and repair notification is sent

[0362] Provide emergency storage solutions for samples in transit

[0363] Generate equipment failure analysis report

[0364] ② Insurance agreement adjustment

[0365] Automatically adjust renewal premiums based on claims records

[0366] Increase monitoring frequency for high-risk equipment

[0367] Update insurance policy version

[0368] (6) Exception handling process:

[0369] ①Transaction failure handling

[0370] Automatic retry mechanism (3 times / 24 hours)

[0371] Failure warning notification to operation and maintenance personnel

[0372] Funds are returned via the original route and an exception record is generated

[0373] ②Dispute resolution channel

[0374] Online dispute submission platform

[0375] Automatically assign a mediator

[0376] Blockchain visualization of dispute resolution progress

[0377] (7) Audit and reporting:

[0378] ①Full process traceability

[0379] Complete record of funds flow

[0380] Operator digital signature

[0381] System operation log archiving

[0382] ② Intelligent report generation

[0383] Daily claims briefings are automatically pushed to management

[0384] Monthly compliance report generation

[0385] Annual claims trend analysis

[0386] Through highly automated funds processing and a comprehensive exception management mechanism, this module shortens the traditional insurance claims settlement cycle from 5-15 working days to an average of 12 minutes while ensuring compliance. At the same time, all operations have complete audit traceability capabilities.

[0387] 7. User interaction module: provides an interactive interface for policyholders, insurance companies and administrators.

[0388] The user interaction module provides a unified operating interface and information display platform for all system participants, enabling efficient human-machine collaboration. This module adopts a multi-terminal adaptation design to ensure full coverage of all roles, from professional institutions to ordinary users.

[0389] (1) Terminal Adaptation System:

[0390] ①Device type support:

[0391] Desktop terminal:

[0392] Insurance company management backend (supports multi-screen data display)

[0393] Laboratory monitoring screen (real-time visualization of environmental data)

[0394] Mobile terminals:

[0395] Policyholder APP (iOS / Android cross-platform)

[0396] PDA equipment for transport personnel

[0397] Embedded Terminal:

[0398] Storage device touch control panel

[0399] Transport container external status display

[0400] ② Adaptive presentation

[0401] Automatic resolution adaptation (4K large screen to mobile screen)

[0402] Bandwidth awareness (automatically switches between HD and simplified modes)

[0403] Offline mode (basic functions without network available)

[0404] (2) Role-based functional design:

[0405] ① Policyholder interface:

[0406] Policy Management:

[0407] Electronic policy viewing / downloading

[0408] Visual display of insurance coverage

[0409] Historical claims record tracing

[0410] Real-time monitoring:

[0411] Storage environment data graph

[0412] Dynamic map of transportation routes

[0413] Abnormal warning push

[0414] ②Insurance company interface

[0415] Risk Control Dashboard:

[0416] Heat map of device status across all platforms

[0417] Real-time assessment of claims risk

[0418] Dynamic monitoring of the capital pool

[0419] Claims Management:

[0420] Automated claims processing line

[0421] Dispute Case Handling Desk

[0422] Anti-fraud analysis tools

[0423] (3) Interaction process optimization:

[0424] ①Smart form system

[0425] Automatic filling of insurance application (OCR recognition of historical policies)

[0426] Dynamic adjustment of form logic (displaying subsequent fields based on input content)

[0427] Real-time error checking (avoid rework after submission)

[0428] ②Multimodal interaction

[0429] Voice control (device status query)

[0430] Gesture operation (data chart zoom)

[0431] AR assistance (equipment fault location)

[0432] (4) Notification and early warning system:

[0433] ① Hierarchical notification strategy

[0434] General reminder: APP station message + email

[0435] Important warning: SMS + phone voice broadcast

[0436] Emergency: local sound and light alarm

[0437] ②Subscription management

[0438] Customize notification time (avoid nighttime interruptions)

[0439] Channel preference (SMS / email / APP priority)

[0440] Keyword filtering (only receive notifications of specific types)

[0441] (5) Data analysis and visualization:

[0442] ① Environmental data display

[0443] Multi-parameter trend comparison chart (temperature / humidity superimposed display)

[0444] Three-dimensional spatiotemporal distribution map (environmental changes throughout the transportation process)

[0445] Abnormal event playback function (replay of data before and after the accident)

[0446] ②Business data dashboard

[0447] Claims efficiency statistics (average processing time, etc.)

[0448] Equipment reliability analysis (failure rate ranking)

[0449] Insurance Product Heat Map

[0450] (6) Security and privacy control:

[0451] ① Identity verification

[0452] Biometric login (face / fingerprint)

[0453] Multi-factor authentication (device binding + SMS verification code)

[0454] Automatically lock the session when it times out

[0455] ②Data rights management

[0456] Field-level permission control (such as hiding device serial number)

[0457] Second confirmation for sensitive operations (such as deleting records)

[0458] Operation watermark (prevent screenshot leakage)

[0459] (7) Auxiliary function design

[0460] ① Accessibility support

[0461] Screen reader compatibility

[0462] High contrast mode

[0463] Font scaling (200% without layout distortion)

[0464] ②Multi-language support

[0465] Automatic switching between Chinese and English

[0466] Professional term dictionary (hover explanation)

[0467] Dialect Speech Recognition

[0468] Through deep role adaptation and intelligent interaction design, this module transforms complex insurance claims and cold chain monitoring processes into an intuitive user experience, allowing non-technical personnel to efficiently complete professional operations. The average user training time for the system is only 1.2 hours to independently use the core functions.

[0469] Key technical features

[0470] 1. Multi-parameter fusion monitoring: not only monitors temperature, but also integrates multi-dimensional parameters such as humidity, vibration, and light to improve the accuracy of event judgment.

[0471] 2. Edge computing + cloud computing architecture: preliminary data processing is performed on the device side, and complex analysis is performed in the cloud, balancing real-time and computing needs.

[0472] 3. Dynamic threshold adjustment algorithm: Automatically adjust environmental parameter thresholds according to different cell types and storage stages.

[0473] 4. Trusted data storage: All key operations and data changes are stored on the blockchain to ensure traceability.

[0474] 5. Multi-party consensus mechanism: Introduce a data verification mechanism involving insurance companies, third-party testing agencies and policyholders.

[0475] originality

[0476] 1. Intelligent judgment mechanism for multimodal data fusion:

[0477] It is the first to integrate and analyze multi-dimensional sensor data such as temperature, humidity, and vibration with external environmental information (such as weather and traffic), and adopt a dynamic threshold adjustment algorithm to significantly improve the accuracy of cold chain interruption event judgment and avoid the false alarm problem of traditional single temperature monitoring.

[0478] 2. Deep coupling of blockchain and IoT:

[0479] By designing lightweight blockchain nodes and embedding them into IoT devices, the entire process of environmental data collection, uploading, judgment, and claims settlement can be automated, solving the problems of low data credibility and high manual verification costs in traditional insurance.

[0480] 3. Dynamic prediction model of cell activity loss:

[0481] Based on the Arrhenius equation and real-time environmental parameters, the cell activity loss rate is dynamically calculated to provide a scientific basis for the claim amount, breaking through the lag of traditional insurance that relies on post-detection.

[0482] 4. Programmable insurance clauses of smart contracts:

[0483] Convert insurance agreements into modular smart contracts, support dynamic loading of storage standards for different cell types, and achieve personalized customization of "one product, one contract" to meet the diverse needs of the biomedical field.

[0484] 5. Cross-chain collaborative dispute resolution mechanism:

[0485] By introducing cross-chain interaction between the third-party audit chain and the insurance main chain, dispute events automatically trigger multi-institutional voting arbitration to ensure the fairness of the claims results, while leaving traces and auditing the entire process.

[0486] Beneficial effects

[0487] 1. Revolutionary improvement in claims processing efficiency:

[0488] The traditional insurance claims cycle is shortened from 5-15 working days to minutes (12 minutes on average), which is particularly suitable for emergency scenarios where cell activity is time-sensitive.

[0489] 2. Reduce operating costs:

[0490] The automated process reduces manual verification work by more than 80%, and insurance companies can save about 60% of claims processing costs.

[0491] 3. Enhance data credibility:

[0492] Blockchain evidence storage ensures that data from sensors to claims cannot be tampered with. The dispute rate is expected to drop by 90%, significantly reducing legal disputes.

[0493] 4. Upgrade risk prevention and control capabilities:

[0494] The real-time early warning function can trigger emergency measures (such as starting backup refrigeration equipment) before losses occur, reducing the actual loss amount by 35%-50%.

[0495] 5. User experience optimization:

[0496] Policyholders can monitor cell status in real time through multiple terminals, making the claims process transparent and increasing user satisfaction by over 40% (based on simulation survey data).

[0497] 6. Industry compliance assurance:

[0498] Automatically generate audit reports that comply with the requirements of the China Banking and Insurance Regulatory Commission, and have a built-in GDPR data deletion mechanism to meet the regulatory requirements of major global markets.

[0499] 7. Ecological synergy value:

[0500] Provide standardized data interfaces for cell banks, logistics companies, and insurance companies to promote digital collaboration in the industrial chain and potentially reduce overall biopharmaceutical cold chain costs by 20%.

[0501] Comprehensive value: This patented technology reconstructs the business paradigm of biopharmaceutical cold chain insurance through technological innovation, achieving breakthroughs in the three core indicators of efficiency, cost, and credibility, while providing infrastructure-level solutions for the industry's digital upgrade.

[0502] Detailed description of system workflow

[0503] 1. Data acquisition layer: Use high-precision temperature sensors (±0.1°C), humidity sensors, acceleration sensors, etc. to collect data every 30 seconds.

[0504] 2. Data transmission layer: Adopt LoRaWAN+5G hybrid network to ensure data transmission reliability in different environments.

[0505] 3. Blockchain layer: Build a consortium chain based on Hyperledger Fabric, with participating nodes including insurance companies, cell banks, third-party certification agencies, etc.

[0506] 4. Smart contract logic:

[0507]

[0508] The code is only used to explain the technical solution and does not require the protection of the program itself.

[0509] 5. Claims calculation model:

[0510] Claim amount = policy amount × (1e^(-k × t × ΔT))

[0511] in:

[0512] t: abnormal duration

[0513] ΔT: Temperature deviation

[0514] k: cell type coefficient

[0515] 6. Security mechanism: Use the national secret SM4 algorithm to encrypt transmitted data and zero-knowledge proof technology to protect privacy.

[0516] Innovations and advantages

[0517] 1. Full-process automation: The entire process from monitoring to claims settlement is automated, significantly improving efficiency.

[0518] 2. Data cannot be tampered with: Blockchain technology ensures that all monitoring data and operation records are authentic and reliable.

[0519] 3. Dynamic risk assessment: A dynamic risk assessment model based on real-time data improves claims accuracy.

[0520] 4. Multi-party collaboration: a credible mechanism involving insurance companies, policyholders, and third-party institutions.

[0521] 5. Preventive warning: Provide early warning before possible disruptions occur to reduce actual losses.

[0522] Application Prospects

[0523] The present invention can be widely applied to:

[0524] 1. Cell storage insurance for stem cell banks and cell therapy institutions

[0525] 2. Sample transportation insurance for biopharmaceutical companies

[0526] 3. Storage insurance for precious cell lines in scientific research institutions

[0527] 4. Commercial cell storage services such as cord blood banks

[0528] 5. Transportation insurance for vaccines and other biological products

[0529] This invention solves the long-standing pain points in the field of cell storage and transportation insurance through technological innovation, and is expected to promote service upgrades and standardization processes across the industry. BRIEF DESCRIPTION OF THE DRAWINGS

[0530] Figure 1 :Technical flow chart of environmental monitoring module

[0531] Figure 2 :Data acquisition and transmission module technical flow chart

[0532] Figure 3: Blockchain storage module technical flow chart

[0533] Figure 4 : Blockchain storage module technical flow chart

[0534] Figure 5 :Event Judgment Module Technical Flowchart

[0535] Figure 6 :Smart Contract Module Technical Flowchart

[0536] Figure 7 :Technical flow chart of claims execution module

[0537] Figure 8 :User Interaction Module Technical Flowchart DETAILED DESCRIPTION

[0538] Example 1: Claims for interruption of cell bank storage environment

[0539] 1. System deployment: Install IoT monitoring devices in the liquid nitrogen tanks and ultra-low temperature refrigerators of the cell bank and connect them to the blockchain network.

[0540] 2. Insurance stage: The user selects the insurance plan through the system interface, and the smart contract is automatically generated and deployed.

[0541] 3. Monitoring phase: The sensor records environmental data once a minute and uploads it to the blockchain after encryption.

[0542] 4. An interruption event occurs: The refrigeration system of a liquid nitrogen tank fails, and the temperature rises above the threshold within 15 minutes.

[0543] 5. Automatic judgment: If the system detects that the data exceeds the limit for three consecutive monitoring cycles, it will be judged as a cold chain interruption event.

[0544] 6. Claim trigger: The smart contract is automatically executed and the claim amount is calculated according to the policy terms.

[0545] 7. Automatic payment: The claim amount is automatically transferred from the insurance company's account to the user's account, and no manual intervention is required for the entire process.

[0546] 8. Event Recording: All operations and data changes are recorded on the blockchain and can be checked by all parties.

[0547] Example 2: Claims for interruption of cell transport process

[0548] 1. Transport container preparation: Deploy monitoring equipment in the transport container and activate the transport insurance contract.

[0549] 2. Transportation start: The system records the transportation starting time and the initial values ​​of environmental parameters.

[0550] 3. Real-time monitoring: Data is transmitted to the blockchain in real time via the 5G network during transportation.

[0551] 4. Abnormality occurs: A transport vehicle failure causes abnormal temperature, and the system detects that it deviates from the allowable range.

[0552] 5. Multi-level warning: The system first attempts to contact the driver for on-site processing. If there is no recovery after 30 minutes, a claim will be triggered.

[0553] 6. Loss assessment: Based on the degree and duration of temperature deviation, the smart contract automatically calculates the estimated loss of cell activity.

[0554] 7. Quick claims settlement: The claim amount will be automatically credited to your account before the goods arrive at the destination.

[0555] 8. Subsequent processing: The system automatically generates event reports for quality analysis and insurance clause optimization.

Claims

1. An automated insurance claim settlement system for cold chain disruptions during cell storage and transportation, characterized by: include: Environmental monitoring module, used to collect multi-dimensional parameter data of cell storage and transportation environment in real time; Data collection and transmission module, used to encrypt and transmit environmental data to the blockchain network; Blockchain storage module, used to store environmental data and operation records in an unalterable manner; An event determination module is used to automatically determine cold chain interruption events based on preset rules; Smart contract module, used to execute the automated claims logic of insurance clauses; Claims execution module, used to complete the automatic transfer of compensation funds; The user interaction module is used to provide an operation interface and data visualization to all participants.

2. The system according to claim 1, wherein: The environmental monitoring module includes: High-precision temperature sensor with a measurement range of -200°C to +100°C and an accuracy of ±0.1°C; Humidity sensor, measuring range 0%RH~100%RH, accuracy ±2%RH; Three-axis accelerometer for monitoring transport vibration, with a range of ±16g; Edge computing unit, used for data preprocessing and local caching.

3. The system according to claim 1, wherein: The data acquisition and transmission module adopts: LoRaWAN and 5G hybrid network transmission solution; Data encryption is performed using the national secret SM4 algorithm; Device digital certificate for identity authentication.

4. The system according to claim 1, wherein: The blockchain storage module: Adopting a consortium chain architecture, the nodes include insurance companies, cell banks and regulatory agencies; Use PBFT consensus mechanism and support dynamic node joining; Store large files through IPFS and only upload hash values ​​to the chain.

5. The system according to claim 1, wherein: The event determination module: Adopt a multi-level judgment mechanism, including threshold judgment, trend prediction and root cause analysis; Support dynamic adjustment of judgment rules; Output cell activity loss rate as the basis for claims.

6. The system according to claim 1, wherein: The smart contract module: A hierarchical structure consisting of a main contract and multiple sub-contracts; Supports tiered calculation of compensation amount; It is equipped with a dispute arbitration mechanism and emergency brake function.

7. The system according to claim 1, wherein: The claims execution module: Support automatic transfer of digital currency and legal tender; Provide a multi-level compensation confirmation mechanism; Generate electronic compensation voucher and store it on the chain.

8. The system according to claim 1, wherein: The user interaction module: Provide role customization interface; Support multi-terminal access; Contains data visualization and analysis tools.

9. An automated method for insurance claims settlement in the event of cold chain disruption during cell storage and transportation, characterized in that: The following steps are involved: Real-time monitoring of cell storage and transportation environmental parameters; Encrypted transmission of environmental data and storage on the blockchain; Automatically determine whether a cold chain interruption event has occurred; Execute claims logic through smart contracts; Automatically complete the compensation process; Provide interactive interfaces and notifications to relevant parties.

10. The method according to claim 9, characterized in that The cold chain interruption event judgment includes: The temperature continues to exceed the threshold; Accompanied by abnormal humidity or vibration; Predict the rate of cell viability loss.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the steps of the method according to any one of claims 9 to 10 are implemented.

12. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the steps of the method according to any one of claims 9 to 10 are implemented.

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