Auxiliary Device Graph Verification for Insurance Fraud Prevention
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Solution Overview
Problem
The rapid development of Internet technologies has led to challenges in improving the processing efficiency and accuracy of online insurance services, particularly in verifying the authenticity of electronic devices for insurance applications, which can result in financial losses for insurance companies due to fraudulent activities such as re-photographing and screen snipping.
Innovation Solution
A verification method and apparatus that utilize a graph verification code and a verification token to authenticate electronic devices, where an auxiliary device collects a device image and performs validity detection based on the token, ensuring that the image is genuine and not forged, thereby preventing fraudulent activities.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If online insurance application verification is performed using simple image collection, then processing efficiency is improved, but verification accuracy deteriorates due to fraudulent activities such as re-photographing and screen snipping
Solution Approach 1:
The patent introduces an auxiliary device as an intermediary between the object device and the insurance verification system. This auxiliary device captures images of the verification code and device screen, preventing direct manipulation of the verification process while maintaining efficient online processing. The intermediary role of the auxiliary device ensures that verification data is obtained through a third party, thereby improving both efficiency and accuracy.
Solution Approach 2:
The system generates and displays a verification code on the object device screen before the actual verification process. This preliminary display of the verification code allows the auxiliary device to capture and verify it, preventing fraudulent activities. The verification token is also generated in advance and used for subsequent validation, ensuring that the verification process is both efficient and accurate.
2Measurement precision
If strict verification procedures are implemented to prevent fraud, then verification accuracy is improved, but processing efficiency deteriorates due to complex verification steps
Solution Approach 1:
The auxiliary device automatically captures the verification code and device screen images without requiring manual intervention from the user. The system self-organizes the verification process by automatically obtaining the verification token, capturing the screen, and performing validity detection. This automated self-service approach maintains high verification accuracy while preserving processing efficiency.
Solution Approach 2:
The patent replaces manual verification processes with automated image capture and validation. Instead of human operators manually checking verification documents, the system uses the auxiliary device's camera to capture images and automatically validates them through the verification token mechanism. This substitution of mechanical/manual processes with automated systems ensures both accuracy and efficiency.
3Measurement precision
If multiple verification parameters are used to prevent cheating, then verification accuracy is improved, but device complexity increases due to additional verification components
Solution Approach 1:
The auxiliary device performs multiple verification functions using a single integrated system. It captures the verification code, captures the device screen, obtains the verification token, and performs validity detection all through one device. This multi-functional approach allows the system to use multiple verification parameters without increasing overall system complexity, as all functions are consolidated in the auxiliary device.
Solution Approach 2:
The patent combines multiple verification elements (verification code display, screen capture, token validation) into a unified verification process. The auxiliary device merges these functions into a single coordinated operation, and the system integrates the verification token mechanism with the image capture process. This merging reduces complexity by consolidating what could be separate complex components into an integrated verification flow.
Data Source
AI summary
The present specification discloses verification methods and apparatuses for electronic device insuring. In a computer-implemented method performed by an auxiliary device, an image of an insurance application verifying page of an object device is collected, where a graph verification code is displayed on the insurance application verifying page. A camera of the auxiliary device is invoked based on the graph verification code to collect a device image of the object device. A verification token displayed by the object device is identified. Validity detection is performed based on the verification token. The device image is determined as insurance application verification data of the object device.