Automatic insurance policy claim settlement method based on zero-knowledge proof

A zero-knowledge proof and insurance policy technology, applied in the fields of information security and information processing, can solve problems such as long manual review cycle, leakage of claim information, and bad company, and achieve the effect of improving memory utilization, reducing development costs, and shortening development cycles.

Pending Publication Date: 2021-11-26
HANGZHOU DIANZI UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the claim settlement process of the existing insurance claim settlement system not only has a long manual review cycle, but also requires the applicant to submit various cumbersome claim settlement materials required for insurance
If the user claims information stored by the insurance company is leaked, it will have a negative impact on the company
At the same time, due to privacy concerns, applicants may not be willing to hand over private data to insurance companies

Method used

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  • Automatic insurance policy claim settlement method based on zero-knowledge proof
  • Automatic insurance policy claim settlement method based on zero-knowledge proof
  • Automatic insurance policy claim settlement method based on zero-knowledge proof

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Embodiment Construction

[0067] In order to better understand the purpose, structure and function of the present invention, a zero-knowledge proof-based automatic policy claim settlement method of the present invention will be described in further detail below in conjunction with the accompanying drawings.

[0068] Such as figure 1 figure 2 As shown, a zero-knowledge proof-based automatic claim settlement method for insurance policies includes the following steps:

[0069] Step 1, fill in the business processing request.

[0070] When an applicant submits an insurance claim application to an insurance company, it is required to fill in an insurance business processing request. The applicant includes the policyholder, the insured, and the beneficiary. Among them, the policyholder refers to the person who concludes an insurance contract with the insurer and has the obligation to pay the insurance premium according to the insurance contract. The insured refers to the person who, according to the ins...

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Abstract

The invention belongs to the technical field of information processing and the field of information security, and discloses an automatic insurance policy claim settlement method based on zero-knowledge proof. Comprising the following steps: 1, filling a service processing request; 2, creating an insurance object; 3, retrieving a database; 4, authenticating the identity; 5, generating a claim settlement questionnaire; 6, filling in questionnaires; 7, performing claim settlement condition judgment; 8, constructing zero knowledge proof; 9, verifying and proving; 10, generating claim settlement information; 11, archiving claim settlement data; and 12, returning a claim settlement result. Through the method, the claim judgment requirement of an insurance company can be met, and the privacy data of an insured person can be protected.

Description

technical field [0001] The invention belongs to the technical field of information processing and the field of information security, and in particular relates to an automatic claim settlement method for an insurance policy based on zero-knowledge proof. Background technique [0002] In the existing insurance claim settlement technology, the claim settlement process of various types of insurance requires the applicant to submit various relevant claim settlement materials to the insurance company, and pay the insurance compensation to the insurance beneficiary after manual review by the insurance company. However, the claim settlement process of the existing insurance claim settlement system not only has a long manual review cycle, but also requires the applicant to submit various cumbersome claim settlement materials required for insurance. If the user claims information stored by the insurance company is leaked, it will have a negative impact on the company. At the same tim...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06K9/62G06F21/62
CPCG06Q40/08G06F21/6245G06F18/2411G06F18/214
Inventor 游林朱强郭春杰程旺胡耿然
Owner HANGZHOU DIANZI UNIV
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