Insurance claim settlement device and method based on hybrid smart contract

Abstract

The invention discloses an insurance claim settlement device and method based on a hybrid smart contract. The method comprises the steps: signing an agency contract based on a symmetric encryption scheme, and entrusting a hospital agent to execute medical insurance claim settlement; carrying out proxy auditing through an identity authentication method based on the off-chain zero-knowledge proof generation tool Zokrates and providing the identity proof for privacy security; checking the claim settlement information based on a block chain oracle machine verification method, and assisting the smart contract to verify the real claim settlement amount; and carrying out payment of the claim settlement amount under the automatic control of the public and private smart contract to finish automatic claim payment of the patient. Therefore, the operation process of the patient is simplified, the claim settlement efficiency of an insurance company is remarkably improved, and the privacy of the patient is protected from being leaked.

Description

technical field [0001] The invention belongs to the technical field of blockchain smart contracts, and more specifically, relates to an insurance claim settlement device and method based on a hybrid smart contract. Background technique [0002] Fast and accurate insurance compensation has always been critical and desirable in reality. Insurance usually involves policyholders, event handlers (such as: hospitals, towing companies, accident identification agencies, etc.) and insurance companies. Insurance companies should conduct detailed investigations before making compensation. Substantial work was done in terms of validating insurers' coverage types, data review, claims checking, database maintenance, disbursements and data collection. When policyholders face incomprehensible expense bills and complicated third-party compensation processes, they may be filled with unknown fears and mistrust. On the other hand, during the investigation process, the incident handler also n...

AI Technical Summary

Problems solved by technology

From a privacy protection standpoint, insurance companies have the problem of a single point of failure, that is, if the insurance company is compromised, the patient's electronic medical record may be exposed

[0013] Third, although the above schemes realize the automatic payment of indemnities through smart contracts, they still require users to face unfamiliar business processes alone, and take advantage of the lengthy delays caused by adopting more complex on-chain confidentiality schemes to improve user data privacy. Waiting will reduce the efficiency of medical insurance payment settlement, which will further deepen users' fear of the unknown, deteriorate user experience, and reduce user satisfaction with insurance products

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