Distributed benefits coverage validation apparatuses, processes and systems
The Distributed Benefits Coverage Validation Apparatuses, Processes and Systems (“DBCV”) transforms provider info, add provider transaction request, employee subscriber ID card data datastructure/inputs via DBCV components into add provider transaction response, benefit coverage validation notification outputs. A benefit coverage validation request datastructure structured to specify subscriber ID card data associated with a beneficiary is obtained. A blockchain address of a smart contract associated with the beneficiary is determined via the subscriber ID card data. Encrypted benefit coverage data associated with the beneficiary is obtained by sending a blockchain transaction to the blockchain address of the smart contract. An encryption key corresponding to the encrypted benefit coverage data is obtained from a key management server. The encrypted benefit coverage data associated with the beneficiary is decrypted with the encryption key. The decrypted benefit coverage data is evaluated to determine a benefit status corresponding to a benefit provided by a provider.
1 . A blockchain-based benefit coverage validation apparatus, comprising:
at least one memory;
a component collection stored in the at least one memory;
at least one processor disposed in communication with the at least one memory, the at least one processor executing processor-executable instructions from the component collection, the component collection stored in the at least one memory structured with processor-executable instructions to:
obtain, via the at least one processor, a benefit coverage validation request datastructure, in which the benefit coverage validation request datastructure is structured to specify subscriber ID card data associated with a beneficiary;
determine, via the at least one processor, a blockchain address of a smart contract associated with the beneficiary via the subscriber ID card data;
obtain, via the at least one processor, encrypted benefit coverage data associated with the beneficiary by sending a blockchain transaction to the blockchain address of the smart contract, in which the blockchain transaction is structured to include a transaction signature that proves control over a blockchain address associated with a provider, in which the blockchain address associated with the provider has viewer role authorization to the encrypted benefit coverage data;
obtain, via the at least one processor, an encryption key corresponding to the encrypted benefit coverage data from a key management server, in which the key management server is structured to verify that the provider has viewer role authorization to the encrypted benefit coverage data;
decrypt, via the at least one processor, the encrypted benefit coverage data associated with the beneficiary with the encryption key; and
evaluate, via the at least one processor, the decrypted benefit coverage data associated with the beneficiary to determine a benefit status corresponding to a benefit provided by the provider.
2 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the subscriber ID card data is obtained via a wireless communication message from a beneficiary's client device.
3 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the subscriber ID card data is obtained via scanning a barcode displayed by a beneficiary's client device.
4 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the subscriber ID card data is structured to specify at least one of: the blockchain address of a smart contract associated with the beneficiary, a subscriber identifier associated with the beneficiary, an authorization code associated with a provider.
5 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the instructions to determine the blockchain address of the smart contract associated with the beneficiary via the subscriber ID card data are structured as instructions to:
parse, via the at least one processor, the benefit coverage validation request datastructure to determine the blockchain address of the smart contract.
6 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the instructions to determine the blockchain address of the smart contract associated with the beneficiary via the subscriber ID card data are structured as instructions to:
parse, via the at least one processor, the benefit coverage validation request datastructure to determine a subscriber identifier associated with the beneficiary; and
query, via the at least one processor, a database to determine a blockchain address associated with the subscriber identifier.
7 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the instructions to determine the blockchain address of the smart contract associated with the beneficiary via the subscriber ID card data are structured as instructions to:
parse, via the at least one processor, the benefit coverage validation request datastructure to determine an authorization code associated with a provider; and
query, via the at least one processor, a database to determine a blockchain address associated with the authorization code.
8 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the smart contract is deployed on a private blockchain.
9 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the smart contract is structured to comprise a whitelist of permissioned viewers that includes the blockchain address associated with the provider.
10 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the key management server is a database server.
11 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the key management server is structured to verify that the provider has viewer role authorization to the encrypted benefit coverage data by sending a query to the smart contract to verify that the blockchain address associated with the provider has viewer role authorization to the encrypted benefit coverage data.
12 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the key management server is structured to verify that the provider has viewer role authorization to the encrypted benefit coverage data by sending a query to an internal database to verify that an identifier associated with the provider has viewer role authorization to the encrypted benefit coverage data.
13 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the benefit status is one of: active, inactive.
14 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the benefit is identified by at least one of: a benefit identifier, a benefit type identifier.
15 . The blockchain-based benefit coverage validation apparatus of claim 1 , in which the component collection stored in the at least one memory is further structured with processor-executable instructions to, comprising:
display, a benefit coverage validation success notification associated with the benefit on a screen of a provider's client device.
16 . A blockchain-based benefit coverage validation processor-readable, non-transient medium, the medium storing a component collection, the component collection structured with processor-executable instructions that, when executed by at least one processor, cause the at least one processor to:
obtain, via the at least one processor, a benefit coverage validation request datastructure, in which the benefit coverage validation request datastructure is structured to specify subscriber ID card data associated with a beneficiary;
determine, via the at least one processor, a blockchain address of a smart contract associated with the beneficiary via the subscriber ID card data;
obtain, via the at least one processor, encrypted benefit coverage data associated with the beneficiary by sending a blockchain transaction to the blockchain address of the smart contract, in which the blockchain transaction is structured to include a transaction signature that proves control over a blockchain address associated with a provider, in which the blockchain address associated with the provider has viewer role authorization to the encrypted benefit coverage data;
obtain, via the at least one processor, an encryption key corresponding to the encrypted benefit coverage data from a key management server, in which the key management server is structured to verify that the provider has viewer role authorization to the encrypted benefit coverage data;
decrypt, via the at least one processor, the encrypted benefit coverage data associated with the beneficiary with the encryption key; and
evaluate, via the at least one processor, the decrypted benefit coverage data associated with the beneficiary to determine a benefit status corresponding to a benefit provided by the provider.
17 . A blockchain-based benefit coverage validation processor implemented system, comprising:
means to store a component collection;
means to process processor-executable instructions from the component collection, the component collection structured with processor-executable instructions that, when executed by at least one processor, cause the at least one processor to:
obtain, via the at least one processor, a benefit coverage validation request datastructure, in which the benefit coverage validation request datastructure is structured to specify subscriber ID card data associated with a beneficiary;
determine, via the at least one processor, a blockchain address of a smart contract associated with the beneficiary via the subscriber ID card data;
obtain, via the at least one processor, encrypted benefit coverage data associated with the beneficiary by sending a blockchain transaction to the blockchain address of the smart contract, in which the blockchain transaction is structured to include a transaction signature that proves control over a blockchain address associated with a provider, in which the blockchain address associated with the provider has viewer role authorization to the encrypted benefit coverage data;
obtain, via the at least one processor, an encryption key corresponding to the encrypted benefit coverage data from a key management server, in which the key management server is structured to verify that the provider has viewer role authorization to the encrypted benefit coverage data;
decrypt, via the at least one processor, the encrypted benefit coverage data associated with the beneficiary with the encryption key; and
evaluate, via the at least one processor, the decrypted benefit coverage data associated with the beneficiary to determine a benefit status corresponding to a benefit provided by the provider.
18 . A blockchain-based benefit coverage validation processor-implemented process, including processing processor-executable instructions via at least one processor from a component collection stored in at least one memory, the component collection stored in the at least one memory structured with processor-executable instructions comprising:
obtaining, via the at least one processor, a benefit coverage validation request datastructure, in which the benefit coverage validation request datastructure is structured to specify subscriber ID card data associated with a beneficiary;
determining, via the at least one processor, a blockchain address of a smart contract associated with the beneficiary via the subscriber ID card data;
obtaining, via the at least one processor, encrypted benefit coverage data associated with the beneficiary by sending a blockchain transaction to the blockchain address of the smart contract, in which the blockchain transaction is structured to include a transaction signature that proves control over a blockchain address associated with a provider, in which the blockchain address associated with the provider has viewer role authorization to the encrypted benefit coverage data;
obtaining, via the at least one processor, an encryption key corresponding to the encrypted benefit coverage data from a key management server, in which the key management server is structured to verify that the provider has viewer role authorization to the encrypted benefit coverage data;
decrypting, via the at least one processor, the encrypted benefit coverage data associated with the beneficiary with the encryption key; and
evaluating, via the at least one processor, the decrypted benefit coverage data associated with the beneficiary to determine a benefit status corresponding to a benefit provided by the provider.