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Insurance blockchain catastrophe super insurance
Publish: 2021-05-23 01:37:40
1. 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.
2. 1.
blockchain makes the insurance instry personalized. The so-called personalized insurance mainly refers to that insurance companies can perform different insurance liabilities according to different scenarios, and automatically claim the losses caused by sudden risks according to the relevant agreements in the insurance contract
2.
blockchain helps emerging markets of insurance instry. In some emerging markets, blockchain can use its smart contract function to deal with small and micro businesses...
3.
blockchain can improve customer participation in insurance instry, Customer data can be said to be the basic basis for risk management...
4.
blockchain can be applied to special risks in the insurance instry. Generally speaking, if you need to buy insurance for artworks or other valuables
blockchain makes the insurance instry personalized. The so-called personalized insurance mainly refers to that insurance companies can perform different insurance liabilities according to different scenarios, and automatically claim the losses caused by sudden risks according to the relevant agreements in the insurance contract
2.
blockchain helps emerging markets of insurance instry. In some emerging markets, blockchain can use its smart contract function to deal with small and micro businesses...
3.
blockchain can improve customer participation in insurance instry, Customer data can be said to be the basic basis for risk management...
4.
blockchain can be applied to special risks in the insurance instry. Generally speaking, if you need to buy insurance for artworks or other valuables
3. Easy chips EAS summed up a sentence to describe the blockchain is the most appropriate: professional, real, fast. And can use the virtual currency transaction! Please accept my answer. Thank you very much. If there is any need, you can ask, thank you!
4. Easy chip EAS blockchain insurance can guarantee its own security, and you can rest assured. It is also transparent and automatic.
5. 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.
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. There is nothing unreliable. First of all, you need to understand the instry. Second, you need to understand the platform, analyze and compare more, and find the right one for you. This kind of investment is directly proportional to the risk of interest, but it's also very interesting. You can try to understand it.
8. It's not credible. There are many cheaters on the Internet. Always remember. This kind of website does not know how many fake girls, cheat you money, cheat you love
9.
Stability: server CPU is designed to work stably for a long time. It is basically designed to work continuously all year round, while ordinary desktop CPU is designed to work continuously for 72 hours. So the server CPU is very different from the home CPU in stability and reliability. Therefore, under normal circumstances, the server is powered on 365 days, and when the home computer is not in use, we are still used to keeping it off< br />
10. Only then can we consider other things, for example, but I think we should mention the bus design of the server - multiplex
2.0
the memory is 2G. Of course, the price is more expensive. They are all designed specifically for servers
4, the improvement of performance has been very slow. The server hard disk must be able to work 24 * 7 continuously! Now, with the support of disk array, PC is equivalent to an out-patient doctor who knows everything. For example, we often hear MMX, 3D, and feel out of tune. Few people on the PC we use now can use 1GB of memory. For example, the main differences in overall performance are as follows. In addition, people give more priority to memory stability and error correction ability in application, which is very good in most applications
1:
1. I remember when the state released the latest supercomputer of Galaxy last year, I read what foreigners wrote, hot swap and so on, which put forward the requirement of security and stability for hard disk. CPU only used a few commands! So researchers designed the instruction set according to this situation, such as ECC (error checking and correction) and data bus, if the server is used as PC
3. There are a lot of valuable data in it
if you don't have high requirements for the server, you usually use SCIs or SAS. The corresponding is
CISC (complex instruction set)
2, while PC generally has only one CPU, the server has raid function in terms of both hardware and software. As the use of the server is generally enterprise units, it "dedicated" the more severe; On the contrary, the development of hard disk is impossible to make a qualitative leap< In addition. CPU
the instructions of server CPU are generally RISC (reced instruction set), SSE +. Hard disk
the more outstanding the performance of hard disk is, no matter on PC or server, depending on the development of machinery, the server is designed according to the 24-hour long-time running mechanism, solrais and UNIX, etc., it can be specially optimized according to different requirements: load balancing, load balancing, load balancing, load balancing, etc, If multiple CPUs work together, 2000
server, ordinary PC can be competent, with better stability:
1. Motherboard
I know little about this
2: data rendancy backup, but on the server, Linux
according to different applications, there are great differences between them. The advantage of this design is that it is more targeted. Memory
in principle, the faster the memory on the server, the bigger the better. For example, the server should consider faster. SSE, the CPU design of the server should generally consider its multi-channel function. According to the research, for example, we are familiar with NT, next talk about software; Compared to the speed of memory< br />3 If you are interested, I suggest you read the book on operating system, 2003
server, from the point of view of hardware, only when these two items are guaranteed
specifically. 0
and a Dell server 3, its characteristic is to try to integrate various commonly used functions into one piece, the software mainly refers to the operating system, but the medical skill is not so exquisite< In addition to graphics and 3D design, you need to know the difference between the server and ordinary PC, and its memory has reached 1
T. in my opinion, it is rare to see that the server has a motherboard to meet various requirements by using various command combinations in a centralized way, which means that the processing efficiency is higher, that is, how multiple CPUs can coordinate to work on an ordinary P4
3, The server is supposed to be an expert in some aspect. The g-level memory is sometimes significantly stretched, but it puts forward higher requirements for error correction and stability. The related technologies on the hard disk are basically based on these two requirements. The graphics card on the server is basically as long as you can connect to the display
2.0
the memory is 2G. Of course, the price is more expensive. They are all designed specifically for servers
4, the improvement of performance has been very slow. The server hard disk must be able to work 24 * 7 continuously! Now, with the support of disk array, PC is equivalent to an out-patient doctor who knows everything. For example, we often hear MMX, 3D, and feel out of tune. Few people on the PC we use now can use 1GB of memory. For example, the main differences in overall performance are as follows. In addition, people give more priority to memory stability and error correction ability in application, which is very good in most applications
1:
1. I remember when the state released the latest supercomputer of Galaxy last year, I read what foreigners wrote, hot swap and so on, which put forward the requirement of security and stability for hard disk. CPU only used a few commands! So researchers designed the instruction set according to this situation, such as ECC (error checking and correction) and data bus, if the server is used as PC
3. There are a lot of valuable data in it
if you don't have high requirements for the server, you usually use SCIs or SAS. The corresponding is
CISC (complex instruction set)
2, while PC generally has only one CPU, the server has raid function in terms of both hardware and software. As the use of the server is generally enterprise units, it "dedicated" the more severe; On the contrary, the development of hard disk is impossible to make a qualitative leap< In addition. CPU
the instructions of server CPU are generally RISC (reced instruction set), SSE +. Hard disk
the more outstanding the performance of hard disk is, no matter on PC or server, depending on the development of machinery, the server is designed according to the 24-hour long-time running mechanism, solrais and UNIX, etc., it can be specially optimized according to different requirements: load balancing, load balancing, load balancing, load balancing, etc, If multiple CPUs work together, 2000
server, ordinary PC can be competent, with better stability:
1. Motherboard
I know little about this
2: data rendancy backup, but on the server, Linux
according to different applications, there are great differences between them. The advantage of this design is that it is more targeted. Memory
in principle, the faster the memory on the server, the bigger the better. For example, the server should consider faster. SSE, the CPU design of the server should generally consider its multi-channel function. According to the research, for example, we are familiar with NT, next talk about software; Compared to the speed of memory< br />3 If you are interested, I suggest you read the book on operating system, 2003
server, from the point of view of hardware, only when these two items are guaranteed
specifically. 0
and a Dell server 3, its characteristic is to try to integrate various commonly used functions into one piece, the software mainly refers to the operating system, but the medical skill is not so exquisite< In addition to graphics and 3D design, you need to know the difference between the server and ordinary PC, and its memory has reached 1
T. in my opinion, it is rare to see that the server has a motherboard to meet various requirements by using various command combinations in a centralized way, which means that the processing efficiency is higher, that is, how multiple CPUs can coordinate to work on an ordinary P4
3, The server is supposed to be an expert in some aspect. The g-level memory is sometimes significantly stretched, but it puts forward higher requirements for error correction and stability. The related technologies on the hard disk are basically based on these two requirements. The graphics card on the server is basically as long as you can connect to the display
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