, she said, the Internet has entered the second stage, the insurance innovation product shape optimization reconstruction will be a key, even on the health of the people's livelihood has been applied UTXO, block chain technology such as zero knowledge proof of insurance business,
Internet insurance innovation into the second half
Cheng Yu believe that at the end of 2017, early in 2018 as the giant BAT as a representative of Internet traffic into the market, the first phase of Internet insurance innovation (innovation based on channel scene) is nearing an end, is about to start the second phase of the Internet insurance innovation, focus will be on the insurance product shape optimization/even refactoring,
Cheng Yu said that the traditional insurance companies, Internet business channels to take up most of the profits, risks of embedded value higher serious illness such as business, still focused on the risk sources, offline channels such as agents; Relative offline for Internet insurance company, insurance premium, insurance liability is relatively simple offline, but the insurance product innovation is very limited, even Internet insurance leader, still can't avoid offline talk, online insurance,
She explained, the traditional insurance products is based on the requirement of offline agent sales of insurance products, does not accord with the requirement of online sales form, for example, in previous years, the insurance company has a good beginning, the traditional head will find insurance agent, interview the customer, make Suggestions for products, insurance products transformation by offline marketing chain of great influence, so the insurance product is suitable for offline sales, and such insurance products directly moved to online sales, this way is not appropriate,
In addition, the Internet insurance innovation is an important problem, the core of the traditional insurance cognitive threshold high spot is not in the first phase of the Internet insurance scenario be solved in the innovation,
"block chain technology + distributed business" to promote the Internet insurance innovation
At present, the health of the people's livelihood from four aspects of "block chain + Internet insurance innovation",
A, based on UTXO balance management
Many universal insurance company risks, the risks such as balance of update is particularly slow, it is almost impossible T + 0, a lot of T + 1, T + 2, T + 4, T + 6, even T + 8, etc., will be based on the balance of UTXO management model to the insurance company, there is no need for reconciliation, easily do T + 0,
UTXO is the balance of the currency management model, the idea of using UTXO transformation of insurance products balance, can avoid the tedious reconciliation, ensure every capital of permanent traceability,
Two, zero knowledge proof reforming health told
Many insurance companies now simply health told handling of offline to online, complex data fill in work it's very difficult for the user to inform the insurance company of the real,
"Zero knowledge proof" refers to the certifier can not provide any additional information to verify the situation, make people believe that a statement is correct verification, the retrofit zero knowledge proof health told, without tedious offline health told moved to online, and not too much violation to the user privacy,
Three, anonymous data exchange based on multiparty secure computing
Secure multi-party computation (SMC) is a set of mistrust between participants in the privacy of collaborative computing problem, can be used between the insurance company claims, underwriting collaborative links, can efficiently, safely release the productivity data,
Four, block chain exists
Many known, do not tamper with the data on the chain, but how to ensure clean, real data on the chain? Prove the effectiveness of the data acquisition, than data prove the effectiveness of the memory card is more valuable, pure witness, is false to the ground? Cheng Yu thinks, if just do exists, actually makes little sense,
Single technology needed a certain business model is transformed into productivity, in the digital world, use block chain of technology for reconstruction of production relations and productive forces, set up a distributed business model is extremely promising, in a distributed business model, all the participants in the open, transparent, on the basis of according to their contribution to profits, many companies, including universal, distributed in the arrangement of the business model to the ground of anonymous data exchange alliance,
The meaning of "we think the memory card is no longer a guarantee of business data cannot be tampered with and traceable, what is more important for distributed data sharing anonymous basis, if not in under the precondition of realizing cooperation to protect the privacy of clients, the productivity of data on the risk control is unable to be released," said Cheng Yu, with block chain technology, multiparty secure computation algorithm of gradually mature, technology is not the difficulty of distributed business innovation, and the centralized mode of thinking has become the biggest obstacle of building distributed business,
Learned, universal block chain technology support, digital health research institute was established, the health of the people's livelihood, focus on distributed business innovation, block chain technology, users and industry research,