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Insurance credit investigation based on blockchain
Publish: 2021-04-19 17:41:55
1. Absrtact: blockchain technology is the underlying technology of bitcoin. Without any centralized organization operation and management, bitcoin has been running very stably for many years (perfectly for seven years), and there has been no problem (no missing account). Therefore, some people have noticed its underlying technology and abstracted bitcoin technology, which is called blockchain technology, Or distributed ledger technology
what is centralization
the so-called centralization means "ownership" or ownership by the company. For example, Tencent's q-coin, which is issued by Tencent, is a kind of centralized electronic currency, including the total amount and the issuing method, is supervised and controlled by Tencent. You can use it, trade and go shopping, but you always have to operate in the framework of Tencent, and the final right of interpretation belongs to Tencent
the issuing mode of bitcoin is preset by the program and encryption algorithm, and runs on multiple nodes all over the world. No one or organization can modify it (everyone has his own account book, so it is impossible for one person to control everyone's account book at the same time. If there is such a technology, why should it be so complicated, If you want to blackmail money into your account, you will be the richest man in the world. There is no one left, And it is not controlled by any single person or organization
take an example: for example, Lao Zhang borrows 100 yuan from Lao Li, but Lao Li is afraid that he will default, so he asks the village head to do notarization and write down the account. This is called centralization. But if you don't find the village head, you can use the loudspeaker to shout in the village: "I Lao Li lent Lao Zhang 100 yuan! Please put it in the account book. "We all put this account in our own account book. This is called decentralization
anyone who transfers money between them will release information through loudspeakers. After receiving the information, everyone will record the transaction in their own account book. With distributed ledgers, it doesn't matter if Lao Zhang or Lao Li's ledgers are lost, because Lao Zhao, Lao Ma, Lao Wang and other families have ledgers
the main advantages of blockchain are that it does not need intermediary participation, the whole process is open and transparent, and the cost is low, and the data security is high
at present, blockchain is in a stage where everyone talks about blockchain, but can't perceive its actual technical charm. Since 2017, it has graally come into our sight, and we have graally realized that bitcoin is more fierce than real estate speculation (the price of mining machinery has skyrocketed! The news is on the screen But I still don't know
so, in which fields can blockchain be applied, what kind of changes will it bring to our future life
the core key: everyone has an account book, everyone has an account book, and the information recorded in each person's account book is consistent and synchronous, and the information is completely transparent. If it is fake, it will be the public enemy of the whole people, which greatly increases the cost of data fraud
core key 2: decentralization, which does not need a central system to manage data, prevents some people from changing data and damages the interests of the majority of people
Application:
1. Account security and privacy protection: currency transfer, exchange, payment system. Blockchain can help prevent data manipulation and fraud, prevent distributed denial of service attacks (DDoS), and effectively protect users' network privacy. Key words: anti counterfeiting, anti-counterfeiting, loan payment
2. Copyright regulation and interest disputes: for example, when a song is downloaded, from the author to the procer and then to the singer, they can get payment in real time through the blockchain, without having to wait for a long time like the traditional way, or even get no reward e to right disputes. Instead of waiting for publishers to provide royalty checks, creators can freely control the process from publishing to payment through blockchain application. Key words: real time receipt, no property dispute
3. Internet of things + artificial intelligence: the intelligent devices in the Internet of things based on the blockchain will be used to monitor the real-time situation of urban infrastructure such as bridges, roads, power grids, etc. the blockchain can connect these intelligent devices together for unified management to help them monitor more efficiently. This will help people better understand how to build a smart city in the future. Key words: unified monitoring, intelligent city
4: proof of existence: in life, once you are asked to prove that you are you, that your mother is your mother, that you have never been married, that the house belongs to you, and so on, things seem very simple. Once it falls on you, it is a great trouble. The application of blockchain technology can perfectly solve the above embarrassment. At that time, all the information that belongs to you will be recorded accurately and can not be tampered with. No one has the right to change it. When the technology develops to a certain stage, birth certificate and marriage certificate may be recorded on the blockchain. Keywords: no keywords
in addition to the application scenarios mentioned above, blockchain technology can also be applied to e-commerce, data storage, logistics and other fields. As long as we grasp the characteristics of blockchain technology, it will become easy to understand.
what is centralization
the so-called centralization means "ownership" or ownership by the company. For example, Tencent's q-coin, which is issued by Tencent, is a kind of centralized electronic currency, including the total amount and the issuing method, is supervised and controlled by Tencent. You can use it, trade and go shopping, but you always have to operate in the framework of Tencent, and the final right of interpretation belongs to Tencent
the issuing mode of bitcoin is preset by the program and encryption algorithm, and runs on multiple nodes all over the world. No one or organization can modify it (everyone has his own account book, so it is impossible for one person to control everyone's account book at the same time. If there is such a technology, why should it be so complicated, If you want to blackmail money into your account, you will be the richest man in the world. There is no one left, And it is not controlled by any single person or organization
take an example: for example, Lao Zhang borrows 100 yuan from Lao Li, but Lao Li is afraid that he will default, so he asks the village head to do notarization and write down the account. This is called centralization. But if you don't find the village head, you can use the loudspeaker to shout in the village: "I Lao Li lent Lao Zhang 100 yuan! Please put it in the account book. "We all put this account in our own account book. This is called decentralization
anyone who transfers money between them will release information through loudspeakers. After receiving the information, everyone will record the transaction in their own account book. With distributed ledgers, it doesn't matter if Lao Zhang or Lao Li's ledgers are lost, because Lao Zhao, Lao Ma, Lao Wang and other families have ledgers
the main advantages of blockchain are that it does not need intermediary participation, the whole process is open and transparent, and the cost is low, and the data security is high
at present, blockchain is in a stage where everyone talks about blockchain, but can't perceive its actual technical charm. Since 2017, it has graally come into our sight, and we have graally realized that bitcoin is more fierce than real estate speculation (the price of mining machinery has skyrocketed! The news is on the screen But I still don't know
so, in which fields can blockchain be applied, what kind of changes will it bring to our future life
the core key: everyone has an account book, everyone has an account book, and the information recorded in each person's account book is consistent and synchronous, and the information is completely transparent. If it is fake, it will be the public enemy of the whole people, which greatly increases the cost of data fraud
core key 2: decentralization, which does not need a central system to manage data, prevents some people from changing data and damages the interests of the majority of people
Application:
1. Account security and privacy protection: currency transfer, exchange, payment system. Blockchain can help prevent data manipulation and fraud, prevent distributed denial of service attacks (DDoS), and effectively protect users' network privacy. Key words: anti counterfeiting, anti-counterfeiting, loan payment
2. Copyright regulation and interest disputes: for example, when a song is downloaded, from the author to the procer and then to the singer, they can get payment in real time through the blockchain, without having to wait for a long time like the traditional way, or even get no reward e to right disputes. Instead of waiting for publishers to provide royalty checks, creators can freely control the process from publishing to payment through blockchain application. Key words: real time receipt, no property dispute
3. Internet of things + artificial intelligence: the intelligent devices in the Internet of things based on the blockchain will be used to monitor the real-time situation of urban infrastructure such as bridges, roads, power grids, etc. the blockchain can connect these intelligent devices together for unified management to help them monitor more efficiently. This will help people better understand how to build a smart city in the future. Key words: unified monitoring, intelligent city
4: proof of existence: in life, once you are asked to prove that you are you, that your mother is your mother, that you have never been married, that the house belongs to you, and so on, things seem very simple. Once it falls on you, it is a great trouble. The application of blockchain technology can perfectly solve the above embarrassment. At that time, all the information that belongs to you will be recorded accurately and can not be tampered with. No one has the right to change it. When the technology develops to a certain stage, birth certificate and marriage certificate may be recorded on the blockchain. Keywords: no keywords
in addition to the application scenarios mentioned above, blockchain technology can also be applied to e-commerce, data storage, logistics and other fields. As long as we grasp the characteristics of blockchain technology, it will become easy to understand.
2. The insurance process can be divided into blockchains. The insured can be any institution or indivial, and the policy terms can also be customized by community professionals; Data storage is more secure, because every "decentralized" node will share, there is no private tampering problem; The smart contract is executed automatically, and the claim settlement process will not be controlled by external forces. In general, the integration of blockchain and insurance can greatly improve the efficiency of the insurance instry
for example, there is gre global risk exchange.
for example, there is gre global risk exchange.
3. To answer this question, let's first introce the core technology of blockchain and the current insurance instry<
Introction to the core technology of blockchain
blockchain mainly solves the trust and security problems of transactions, so it proposes four technological innovations to solve this problem:
the first one is called distributed ledger, which is that transaction bookkeeping is completed by multiple nodes distributed in different places, and each node records complete accounts, Therefore, they can participate in the supervision of the legitimacy of the transaction, but also can jointly testify for them. Different from the traditional centralized accounting scheme, no single node can record accounts separately, so as to avoid the possibility that a single bookkeeper is controlled or bribed to record false accounts. On the other hand, because there are enough accounting nodes, in theory, unless all nodes are destroyed, the accounts will not be lost, thus ensuring the security of the account data
the second is called symmetric encryption and authorization technology. The transaction information stored on the blockchain is public, but the account identity information is highly encrypted, which can only be accessed under the authorization of the data owner, thus ensuring the data security and personal privacy
the third mechanism is called consensus mechanism, which is how to reach a consensus among all accounting nodes to determine the validity of a record. This is not only a means of identification, but also a means of preventing tampering. Blockchain proposes four different consensus mechanisms, which are suitable for different application scenarios and achieve a balance between efficiency and security. Taking bitcoin as an example, the workload proof is adopted. Only when more than 51% of the accounting nodes in the whole network are controlled can a nonexistent record be forged. When there are enough nodes to join the blockchain, this is basically impossible, thus eliminating the possibility of fraud
the fourth technical feature is called smart contract, which is based on these trusted and tamperable data and can automatically execute some pre-defined rules and terms. Take insurance as an example. If everyone's information (including medical information and risk occurrence information) is true and reliable, it is easy to carry out automatic claim settlement in some standardized insurance procts<
risk management of policyholders
in the current insurance business, disputes between insurance companies and policyholders occur from time to time, either the policyholders provide false personal information to defraud insurance, or there are differences in the determination of exemption clauses when settling claims. The key to these problems lies in the lack of a real and reliable data collection and storage means for the personal information of the insured
with the advancement of national systematic projects such as medical information digitization and personal credit system, more and more authoritative data sources appear. If these data can be introced and stored on the blockchain, it will become the digital identity of everyone. The data above is authentic, can't be tampered with, real-time synchronization and life-long validity, It will bring great benefits to the risk management of the insured
the first is to get through the data between different companies and refer to each other, so as to discover the information of repeated insurance and historical claims in time, and discover high-risk users in time
secondly, introcing data from different instries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. For example, if you can query all the medical records of the insured, even the medical records of the immediate family members, on the blockchain, you will have first-hand information about the current physical condition, disease history and family history of the insured, effectively eliminating the insurance with diseases
for example, at present, China's first network mutual aid platform using blockchain technology as the core is concentric mutual aid. On the basis of traditional mutual aid platform, with the help of blockchain technology, it realizes decentralized information sharing, innovates and realizes comprehensive and transparent operation, and builds a fair, just, open, safe and efficient open mutual aid information service platform for the public.
Introction to the core technology of blockchain
blockchain mainly solves the trust and security problems of transactions, so it proposes four technological innovations to solve this problem:
the first one is called distributed ledger, which is that transaction bookkeeping is completed by multiple nodes distributed in different places, and each node records complete accounts, Therefore, they can participate in the supervision of the legitimacy of the transaction, but also can jointly testify for them. Different from the traditional centralized accounting scheme, no single node can record accounts separately, so as to avoid the possibility that a single bookkeeper is controlled or bribed to record false accounts. On the other hand, because there are enough accounting nodes, in theory, unless all nodes are destroyed, the accounts will not be lost, thus ensuring the security of the account data
the second is called symmetric encryption and authorization technology. The transaction information stored on the blockchain is public, but the account identity information is highly encrypted, which can only be accessed under the authorization of the data owner, thus ensuring the data security and personal privacy
the third mechanism is called consensus mechanism, which is how to reach a consensus among all accounting nodes to determine the validity of a record. This is not only a means of identification, but also a means of preventing tampering. Blockchain proposes four different consensus mechanisms, which are suitable for different application scenarios and achieve a balance between efficiency and security. Taking bitcoin as an example, the workload proof is adopted. Only when more than 51% of the accounting nodes in the whole network are controlled can a nonexistent record be forged. When there are enough nodes to join the blockchain, this is basically impossible, thus eliminating the possibility of fraud
the fourth technical feature is called smart contract, which is based on these trusted and tamperable data and can automatically execute some pre-defined rules and terms. Take insurance as an example. If everyone's information (including medical information and risk occurrence information) is true and reliable, it is easy to carry out automatic claim settlement in some standardized insurance procts<
risk management of policyholders
in the current insurance business, disputes between insurance companies and policyholders occur from time to time, either the policyholders provide false personal information to defraud insurance, or there are differences in the determination of exemption clauses when settling claims. The key to these problems lies in the lack of a real and reliable data collection and storage means for the personal information of the insured
with the advancement of national systematic projects such as medical information digitization and personal credit system, more and more authoritative data sources appear. If these data can be introced and stored on the blockchain, it will become the digital identity of everyone. The data above is authentic, can't be tampered with, real-time synchronization and life-long validity, It will bring great benefits to the risk management of the insured
the first is to get through the data between different companies and refer to each other, so as to discover the information of repeated insurance and historical claims in time, and discover high-risk users in time
secondly, introcing data from different instries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. For example, if you can query all the medical records of the insured, even the medical records of the immediate family members, on the blockchain, you will have first-hand information about the current physical condition, disease history and family history of the insured, effectively eliminating the insurance with diseases
for example, at present, China's first network mutual aid platform using blockchain technology as the core is concentric mutual aid. On the basis of traditional mutual aid platform, with the help of blockchain technology, it realizes decentralized information sharing, innovates and realizes comprehensive and transparent operation, and builds a fair, just, open, safe and efficient open mutual aid information service platform for the public.
4. The entry threshold of virtual currency is the lowest, which is relatively reliable. Choose regular exchange hot currency or okex. Leverage trading of foreign exchange futures is very risky. The stock market is not perfect and has little investment value at present.
5. I saw a message on the news that the first concentric mutual aid platform using blockchain technology and network mutual aid in China went online on July 9, 2016. It should be regarded as a network mutual aid platform for blockchain insurance.
6. To answer this question, let's first introce the advantages and disadvantages of network mutual assistance and the advantages of applying blockchain technology
advantages of online mutual assistance:
online mutual assistance is actually a variant of foreign mutual insurance (or mutual insurance) in China. It inherits the characteristics of some modes of mutual insurance, such as organizational form and management methods. It also makes some changes according to the characteristics of China's insurance market and the current regulatory environment
Internet Mutual Aid relies on the Internet's efficient information matching ability, convenient payment service and low entry threshold, Therefore, network mutual aid has the ability to gather a large number of members in a short time
low cost
at least 50% ~ 80% cheaper than the traditional security scheme
high participation
the value provided by network mutual aid is easily accepted by users
flexible security
flexible procts, It can launch mutual aid procts for all kinds of people
shortcomings of online mutual aid:
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
user privacy
the general carrier of online mutual aid platform is technology company, which lacks supervision and public trust endorsement, Therefore, it is easy to be questioned
inefficient
compensation process is slow
Application of blockchain technology
we think that the emergence of blockchain technology provides solutions to these problems. The network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the risk control ability
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media and ordinary users can view and supervise the implementation of the rules at any time
the rules are efficient
all the funds are transferred according to the open and tamperable smart contract, Once determined, it can be executed accurately, no one can intervene, no legal person can misappropriate or intervene, which improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, Other people can't access and steal
the service will never be down
the network mutual assistance running on the public chain does not depend on whether a central server is online, which can ensure that the service provided will never be down
in the current insurance business, disputes between insurance companies and policy holders occur from time to time, or the policy holders provide false personal information to cheat insurance, Or there are differences in the determination of the exemption clause when settling the claim. The key to these problems lies in the lack of a real and reliable data collection and storage means for the personal information of the insured
with the advancement of national systematic projects such as medical information digitization and personal credit system, more and more authoritative data sources appear. If these data can be introced and stored on the blockchain, it will become the digital identity of everyone. The data above is authentic, can't be tampered with, real-time synchronization and life-long validity, It will bring great benefits to the risk management of the insured
the first is to get through the data between different companies and refer to each other, so as to discover the information of repeated insurance and historical claims in time, and discover high-risk users in time. Taking the 40 million accident insurance fraud in March this year as an example, Zhou of Yangzhou took out insurance in more than ten life insurance companies, which was not found out until the manual underwriting. If every insurance information is recorded in the blockchain, it can be found and timely measures can be taken
secondly, introcing data from different instries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. For example, if you can query all the medical records of the insured, even the medical records of the immediate family members, on the blockchain, you will have first-hand information about the current physical condition, disease history and family history of the insured, effectively eliminating the insurance with diseases
at present, Tongxin society is the first network mutual aid platform with blockchain technology as the core in China, so blockchain technology is also one of the effective technical means for in-process supervision.
advantages of online mutual assistance:
online mutual assistance is actually a variant of foreign mutual insurance (or mutual insurance) in China. It inherits the characteristics of some modes of mutual insurance, such as organizational form and management methods. It also makes some changes according to the characteristics of China's insurance market and the current regulatory environment
Internet Mutual Aid relies on the Internet's efficient information matching ability, convenient payment service and low entry threshold, Therefore, network mutual aid has the ability to gather a large number of members in a short time
low cost
at least 50% ~ 80% cheaper than the traditional security scheme
high participation
the value provided by network mutual aid is easily accepted by users
flexible security
flexible procts, It can launch mutual aid procts for all kinds of people
shortcomings of online mutual aid:
operation is not transparent
there may be problems such as platform fabricating mutual aid events to obtain users' funds
user privacy
the general carrier of online mutual aid platform is technology company, which lacks supervision and public trust endorsement, Therefore, it is easy to be questioned
inefficient
compensation process is slow
Application of blockchain technology
we think that the emergence of blockchain technology provides solutions to these problems. The network mutual aid application based on blockchain platform can maximize the absolute security of funds, protocols and information, and improve the risk control ability
the flow of funds is transparent
all the details of the flow of funds are recorded on the blockchain, and the data can not be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media and ordinary users can view and supervise the implementation of the rules at any time
the rules are efficient
all the funds are transferred according to the open and tamperable smart contract, Once determined, it can be executed accurately, no one can intervene, no legal person can misappropriate or intervene, which improves the efficiency of rule execution
user information security
all personal sensitive information is highly encrypted and stored, unless authorized by the user, Other people can't access and steal
the service will never be down
the network mutual assistance running on the public chain does not depend on whether a central server is online, which can ensure that the service provided will never be down
in the current insurance business, disputes between insurance companies and policy holders occur from time to time, or the policy holders provide false personal information to cheat insurance, Or there are differences in the determination of the exemption clause when settling the claim. The key to these problems lies in the lack of a real and reliable data collection and storage means for the personal information of the insured
with the advancement of national systematic projects such as medical information digitization and personal credit system, more and more authoritative data sources appear. If these data can be introced and stored on the blockchain, it will become the digital identity of everyone. The data above is authentic, can't be tampered with, real-time synchronization and life-long validity, It will bring great benefits to the risk management of the insured
the first is to get through the data between different companies and refer to each other, so as to discover the information of repeated insurance and historical claims in time, and discover high-risk users in time. Taking the 40 million accident insurance fraud in March this year as an example, Zhou of Yangzhou took out insurance in more than ten life insurance companies, which was not found out until the manual underwriting. If every insurance information is recorded in the blockchain, it can be found and timely measures can be taken
secondly, introcing data from different instries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. For example, if you can query all the medical records of the insured, even the medical records of the immediate family members, on the blockchain, you will have first-hand information about the current physical condition, disease history and family history of the insured, effectively eliminating the insurance with diseases
at present, Tongxin society is the first network mutual aid platform with blockchain technology as the core in China, so blockchain technology is also one of the effective technical means for in-process supervision.
7. China's credit instry is mainly based on enterprise credit, while personal credit needs to be developed, and the overall market prospect is broad. China's enterprise credit development is early, and the market is relatively mature. By the end of 2016, there are about 137 enterprise credit reference institutions in China. Personal credit has not yet been put into market operation and the license has not been issued yet. Eight units, including Tencent credit, sesame credit, Qianhai credit, lakara credit, Zhongcheng credit, zhongchengxin credit, PENGYUAN credit and Hua credit, have participated in the personal credit pilot organized by the central bank. Private personal credit institutions can indirectly participate in the personal credit market through cooperation with banks and other financial institutions, but they can not directly publish personal credit reports. To obtain personal credit reports, they can only go through the central bank credit system. As of the end of June 2016, the central bank's credit reference center has included 21.2 million enterprises and other organizations and more than 900 million natural persons, of which only 5.77 million have credit records with 410 million natural persons. The data of Experian, a global credit giant, has covered 103 million enterprises and 890 million people in the world. Compared with the market demand and credit market scale of the United States, the future development space of China's credit market is huge
the emergence of blockchain technology has become a good medicine to understand the pain points of credit reference instry. Through the characteristics of authenticity, transparency and non tampering, blockchain technology can solve the problems of trust and data sharing between credit agencies, so as to solve the problems of data island and incomplete data. Through the establishment of an alliance chain, first of all, the problem of data right confirmation can be completely solved. In an alliance chain system, credit reference institutions, users, government departments, financial institutions and other relevant units in the chain can be added, and different access rights can be designed to ensure the ownership of data, open up information sharing, and protect data security from theft and leakage
on this basis, the channels for credit agencies to obtain data are greatly widened, which can save the cost of data collection; At the same time, the cooperation between different organizations has become more smooth, recing the cost of cooperation and communication. Credit agencies can put the saved costs into other links to improve the overall quality of procts<
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
the emergence of blockchain technology has become a good medicine to understand the pain points of credit reference instry. Through the characteristics of authenticity, transparency and non tampering, blockchain technology can solve the problems of trust and data sharing between credit agencies, so as to solve the problems of data island and incomplete data. Through the establishment of an alliance chain, first of all, the problem of data right confirmation can be completely solved. In an alliance chain system, credit reference institutions, users, government departments, financial institutions and other relevant units in the chain can be added, and different access rights can be designed to ensure the ownership of data, open up information sharing, and protect data security from theft and leakage
on this basis, the channels for credit agencies to obtain data are greatly widened, which can save the cost of data collection; At the same time, the cooperation between different organizations has become more smooth, recing the cost of cooperation and communication. Credit agencies can put the saved costs into other links to improve the overall quality of procts<
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
8. @ block chain God Tucao: a human account, can not be tampered with, can not be deleted, make complaints about Shuo yuan.
9. Easy chip EAS can guarantee the security of information.
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