Privacy protection customized car insurance bidding method based on cross-chain technology

Abstract

The invention provides a privacy protection customized car insurance bidding method based on a cross-chain technology. The method comprises the steps that a car insurance provider issues a car insurance through a block chain, and a car owner purchases the car insurance through the block chain; driving data are periodically generated in the driving process of a vehicle, the driving data are uploaded to the block chain, and a vehicle insurance provider verifies the validity of the driving data through a roadside communication unit; a multi-chain vehicle insurance provider generates a vehicle insurance scheme of the vehicle according to the effective driving data, and releases vehicle insurance through a block chain; the vehicle obtains the vehicle insurance scheme issued by the multi-chain vehicle insurance vendor through the cross-chain technology, and a multi-party vehicle insurance vendor cross-chain bidding mechanism is realized. According to the embodiment of the invention, the roadside communication unit is introduced to participate in a driving data tampering detection protocol, so that a vehicle owner is effectively prevented from maliciously counterfeiting safer driving data to reduce the vehicle insurance amount; according to the vehicle insurance bidding platform based on the cross-chain technology, a plurality of insurance providers can customize the vehicle insurance in parallel.

Description

technical field [0001] The invention relates to the technical field of customized auto insurance of the Internet of Vehicles, in particular to a privacy protection customized auto insurance bidding method based on cross-chain technology. Background technique [0002] Customized auto insurance is to customize vehicle auto insurance costs by evaluating vehicle usage and driving behavior, so that car owners can obtain more accurate auto insurance pricing and real-time risk driving behavior early warning services, and can motivate users to regulate driving behavior to reduce auto insurance costs. The implementation of customized auto insurance is mainly for auto manufacturers to install on-board diagnostic equipment to collect vehicle driving status information, and then upload it to the data analysis platform for auto insurance evaluation. [0003] Motor vehicle insurance is one of the main types of insurance in the auto insurance market. The traditional auto insurance pricing ...

AI Technical Summary

Problems solved by technology

[0011] The disadvantage of a blockchain-based auto insurance bidding method in the above-mentioned prior art is that the process of calculating insurance premiums is completed by smart contracts, and it is difficult to satisfy the process of customizing auto insurance comprehensively considering user behavior in the actual application environment; It is difficult to meet the complex and dynamic multi-insurer environment; it is difficult to prevent malicious data tampering behaviors of both auto insurers and car owners

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