BMIT: A Blockchain-Based Medical Insurance Transaction System

Abstract

The Blockchain-Based Medical Insurance Transaction System (BMIT) developed in this study addresses key issues in traditional medical insurance—information silos, data tampering, and privacy breaches—through innovative blockchain architectural design and technical infrastructure reconstruction. Built on a consortium blockchain architecture with FISCO BCOS (Financial Blockchain Shenzhen Consortium Blockchain Open Source Platform) as the underlying platform, the system leverages FISCO BCOS’s distributed ledger, granular access control, and efficient consensus algorithms to enable multi-stakeholder on-chain collaboration. Four node roles and data protocols are defined: hospitals (on-chain data providers) generate 3D coordinate hashes of medical data via an algorithmically enhanced Bloom Filter for on-chain certification; patients control data access via blockchain private keys and unique parameters; insurance companies verify eligibility/claims using on-chain Bloom filters; the blockchain network stores encrypted key data (public keys, Bloom filter coordinates, and timestamps) to ensure immutability and traceability. A 3D-enhanced Bloom filter—tailored for on-chain use with user-specific hash functions and key control—stores only 3D coordinates (not raw data), cutting storage costs for 100 records to 1.27 KB and reducing the error rate to near zero (1.77% lower than traditional schemes for 10,000 entries). Three core smart contracts (identity registration, medical information certification, and automated verification) enable the automation of on-chain processes. Performance tests conducted on a 4-node consortium chain indicate a transaction throughput of 736 TPS (Transactions Per Second) and a per-operation latency of 181.7 ms, which meets the requirements of large-scale commercial applications. BMIT’s three-layer design (“underlying blockchain + enhanced Bloom filter + smart contracts”) delivers a balanced, efficient blockchain medical insurance prototype, offering a reusable technical framework for industry digital transformation.