Insurance Authentication Code System for Third-Party Access
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Solution Overview
Problem
Current insurance systems lack a standardized process for third-party access to insurance policy details, leading to delays and inefficiencies in claim processing, as business partners often need to manually verify credentials repeatedly, increasing costs and wait times for customers.
Innovation Solution
A centralized authentication system generates a code for insured members, which service providers can use to access specific subsets of their insurance information, verifying identity and location to ensure secure and efficient access without manual verification.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If manual verification of credentials is used, then service providers can access insurance information, but the process experiences delays and increased costs
Solution Approach 1:
The system performs preliminary authentication by generating and distributing verification codes to service providers before they need access to insurance information. This pre-verification eliminates the need for repeated manual credential checks during claim processing, thereby reducing wait times and improving productivity.
Solution Approach 2:
The patent introduces an authentication code as an intermediary element between the service provider and the insurance information system. This code serves as a mediator that enables automated verification without requiring direct manual credential validation, thus speeding up the access process while maintaining security.
2Reliability
If repeated manual verification is required, then security can be maintained, but costs increase due to unproductive communications
Solution Approach 1:
The system enables self-service authentication where service providers independently verify their credentials using pre-distributed codes without requiring insurance representative intervention. This automated self-verification maintains security controls while eliminating the costly unproductive communications associated with manual credential validation.
Solution Approach 2:
The authentication code acts as an intermediary that automates the security verification process. Instead of requiring repeated manual security checks, the system uses this intermediate code to automatically authenticate service providers, thereby maintaining reliability while reducing the energy and costs associated with manual validation.
3Productivity
If standardized access process is implemented, then efficiency improves, but system complexity increases
Solution Approach 1:
The authentication system is segmented into distinct functional components: code generation, code distribution, code verification, and information access control. This segmentation allows each component to perform its specific function independently, improving overall processing efficiency while managing system complexity through modular design.
Solution Approach 2:
The authentication code serves multiple functions within the system: it acts as a verification credential, an access token, and a security identifier. This multi-functionality reduces the need for separate systems for each function, thereby improving efficiency without proportionally increasing system complexity.
Data Source
AI summary
A method and system of managing third-party access to insurance information is disclosed. An insurer maintains an insurance information repository that can be accessed only by authenticated third-party partners. The authentication system generates a code for the insured member. The insured member can share the code to their selected third-party service provider. The selected provider will submit the code to the authentication system when requesting access to validated information about the insured member. The code, if valid, will authenticate the service provider and enable access to the requested information.