Application cases of blockchain insurance

1. first of all, mining does not start from a trainer. Holding a hoe in hand, you can be a qualified miner. Patience, time and familiarity are essential to the distribution of minerals you need

2. there are many minerals in the roots of mountains, trees and grass - the minerals in world of Warcraft are mostly distributed at the foot of mountains, ridges, hillsides and the bulges of plains. If you want to mine more, fly more in those corners

3. the mines on each map have a fixed refresh time. If you plan to mine on one map for a long time, you can sell ah to other players who need it even if you don't need it

4. if you want to have high efficiency and try to enter the hole as little as possible, you are not recommended to enter the hole for one mine unless you see rare ore, rich XX ore or more than three ore spots in this hole on the gray ore spot of the small map

5. if it's the gathering instry, you will definitely meet competitors. When the plug-in shows that there are a large number of mineral spots on this map, and you haven't seen a mine for a long time, there must be a miner in the 1-2min flight distance in front of you. At this time, there are two options: first, go to other maps to proce the required minerals; second, try to fly backwards, He disrupted the rhythm of mining and the route of mineral refresh on the map

6. in the process of mining, we often encounter rare minerals that are not needed in the manufacturing list, such as gold and silver, krypton gold, Titan and so on, so we can mine them. A lot of gold can be sold

7. put one or two sets of hot flow anvil made by engineering in the bag. You don't need to run around to find the furnace or anvil. It's better if you have mop rare gloves of plunderers. If you want to go to the mining specialty, it's recommended to take F gloves that you don't need to collect, and take them with you when mining. Maybe you can help when it's critical< br />

Blockchain technology also has incomparable advantages in the insurance instry. From the perspective of data management, the application of blockchain technology can effectively improve the risk management and control ability of insurance companies, including the risk supervision of insurance companies and the risk management of policyholders

blockchain technology in insurance instry can strengthen the internal risk supervision of insurance companies. Blockchain technology can record the daily operation process of insurance company on the node, realize the in-process control of the company's capital flow, investment situation, compensation amount and other business, and improve the company's risk management and control ability

in addition, the blockchain technology is safe, reliable and can not be tampered with at will, which ensures that the information obtained by the policyholder is true and effective, and enhances the risk management ability of the policyholder

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 puts forward four technological innovations for 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