Blockchain Service Processing for Insurance Claim Efficiency
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The conventional indemnity process in the insurance industry is inefficient, requiring users to provide multiple medical documents and receipts, leading to lengthy claim settlement times and potential authenticity verification issues, which affects user experience and claim settlement efficiency.
Innovation Solution
A blockchain-based service processing system that includes a service consortium blockchain, a request client, and a server, allowing for the storage and retrieval of user data, enabling fast and secure case processing by determining necessary information for service processing based on user identity and medical data, without the need for repeated document submission.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users provide multiple medical documents and receipts for claim reporting, then the insurance company can verify claim authenticity, but the claim settlement process becomes complex and time-consuming
Solution Approach 1:
The patent applies preliminary action by pre-storing medical documents, receipts, and other claim-related data in a blockchain database before the claim reporting process. When a user submits a claim, the system retrieves pre-verified data from the blockchain, eliminating the need for users to repeatedly provide documents and reducing verification time while maintaining authenticity checks.
Solution Approach 2:
The patent uses copying by creating a digital copy of medical documents and receipts on the blockchain. Instead of requiring physical documents to be submitted and verified multiple times, the system stores standardized digital versions on the blockchain, allowing rapid retrieval and verification without requiring users to repeatedly provide original documents.
2Reliability
If the insurance company investigates the authenticity of medical documents for a long time, then claim settlement can be accurate, but claim settlement efficiency decreases
Solution Approach 1:
The system performs preliminary verification and storage of document authenticity on the blockchain before claim processing. By pre- verifying documents and storing them with timestamps and digital signatures, the system eliminates the need for lengthy investigations during claim settlement, achieving both accuracy and efficiency.
Solution Approach 2:
The patent replaces the manual mechanical verification process with an automated blockchain-based verification system. The blockchain's distributed ledger technology automatically verifies document authenticity through cryptographic signatures and immutable storage, eliminating the need for manual investigation and significantly improving processing efficiency while maintaining accuracy.
3Reliability
If users need to go back to the hospital for document correction, then claim reporting can be accurate, but service time increases and user experience deteriorates
Solution Approach 1:
The patent creates digital copies of all medical documents and receipts on the blockchain, allowing users to access and verify their own documentation without needing to return to the hospital. The digital copies stored on the blockchain can be viewed, downloaded, or shared directly from the system, eliminating the need for repeated visits and significantly improving user convenience while maintaining documentation accuracy.
4Speed
If the insurance company stores all service data in a centralized database, then data retrieval is fast, but data integrity and security are compromised
Solution Approach 1:
The patent segments the centralized database into a distributed blockchain network where data is stored across multiple nodes. Each block contains a portion of the data with cryptographic links to previous blocks, creating an immutable ledger. This segmentation maintains fast retrieval speeds through distributed querying while ensuring data integrity through cryptographic verification and immutability.
Solution Approach 2:
The blockchain acts as an intermediary between the user and the data storage system. Instead of direct access to a centralized database, users interact with the blockchain which mediates data retrieval and verification. This intermediary layer ensures data integrity through cryptographic protocols while maintaining efficient access speeds through optimized blockchain query mechanisms.
Data Source
AI summary
Data from an information storage node of a service consortium blockchain is obtained. The information storage node is a blockchain node in the service consortium blockchain. The data from the information storage node of the service consortium blockchain is stored in a local database. A service processing request is received from a user device. The service processing request includes an identity of a user of the user device and service information of the user. The local database is searched for service data related to the user based on the identity of the user and the service information of the user. Based on the service data related to the user, service processing information to be used in a service processing operation performed responsive to the service processing request is determined. The service processing operation is completed for the user based on the service processing information.