CN114841818A - A privacy-preserving customized auto insurance bidding method based on cross-chain technology - Google Patents

Abstract

The invention provides a privacy protection customized car insurance bidding method based on a cross-chain technology. The method comprises the following steps: the vehicle insurance trader issues the vehicle insurance through the block chain, and the vehicle owner purchases the vehicle insurance through the block chain; the method comprises the steps that driving data are generated regularly during the driving process of a vehicle, the driving data are uploaded to a block chain, and a vehicle insurance provider verifies the effectiveness of the driving data through a roadside communication unit; the multi-chain vehicle insurance traders respectively generate the vehicle insurance scheme of the vehicle according to the effective driving data and release the vehicle insurance through the block chain; the vehicle obtains the vehicle insurance scheme issued by the multi-chain vehicle insurance trader through a cross-chain technology, and a multi-party vehicle insurance trader cross-chain bidding mechanism is realized. According to the embodiment of the invention, the roadside communication unit is introduced to participate in the driving data tampering detection protocol, so that a vehicle owner is effectively prevented from maliciously forging safer driving data to reduce the vehicle insurance amount; the vehicle insurance bidding platform based on the cross-chain technology can realize the parallel vehicle insurance customization of a plurality of insurers.

Description

A privacy-preserving customized auto insurance bidding method based on cross-chain technology

technical field

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

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 that auto manufacturers install on-board diagnostic equipment to collect vehicle driving status information, and then upload it to the data analysis platform for auto insurance evaluation.

Motor vehicle insurance is one of the main types of insurance in the auto insurance market. The traditional auto insurance pricing scheme only refers to the vehicle type, vehicle value and other indicators, and does not refer to the more critical driving behavior risk to evaluate the amount of auto insurance, which will lead to the level of auto insurance rates. The division is unreasonable, but vehicles with different driving risks may pay almost the same amount of auto insurance.

The development of vehicle networking technology makes it possible to effectively evaluate vehicle driving behavior. The proposed car insurance based on usage-based customization customizes vehicle insurance costs by evaluating vehicle usage and driving behavior, enabling car owners to obtain more accurate auto insurance pricing and real-time risky driving behavior early warning services, and can motivate users to regulate driving behaviors In order to reduce the cost of auto insurance, it is of great significance to promote the development of smart transportation.

In order to evaluate customized auto insurance solutions, auto insurance service providers need to monitor the driving behavior of vehicles. At present, auto insurance companies that provide customized auto insurance services mainly monitor the driving behavior of vehicles by collecting driving data on a centralized server. The process of data storage and analysis is completed within the auto insurance company. The security of the centralized data storage method is difficult to guarantee. Malicious users in the network attack such commercial institutions, which will lead to abnormal system services, and even leak commercial records and customer data. It is difficult to ensure the integrity of historical driving data. The fixed data storage space is difficult to control the owner's data, and it is impossible to fully control the personal data value sovereignty. In addition, the opaque data processing methods within auto insurance companies are difficult to gain user trust. The process of auto insurance companies assessing the amount of auto insurance based on driving behavior will not be open to the outside world. Malicious auto insurance companies have the motivation to adjust the user's auto insurance amount to obtain more benefits.

Decentralized solutions represented by blockchain technology can ensure that the data cannot be tampered with. The car owner records the historical driving data of the vehicle on the blockchain platform to ensure the integrity of the data. The open nature of the blockchain enables car owners to achieve Personal data is controllable and will not be restricted from data extraction and sharing by separate data storage agencies. Auto insurance companies deploy auto insurance solutions to smart contracts. Based on the reliable execution of smart contracts, they can ensure the reliability of auto insurance solutions in a trustless manner. However, with the rapid development of blockchain technology in recent years, different auto insurers may use a variety of blockchain platforms to complete their business, and the driving records and transaction records of vehicles will be saved on the chain used by the current insurer. Its business is based on different blockchain platforms, and it is difficult to realize the docking of auto insurance business. In addition, the digital currency of the source blockchain and the target blockchain is difficult to communicate with each other. The car owner needs to use the digital currency exchange and other methods to conduct intermediary transactions, and pay a certain handling fee to complete the multi-chain asset exchange. This kind of transaction process depends entirely on The reliability of the intermediary, asset delivery denial may occur during the exchange period, resulting in asset loss.

In addition, the driving data of the vehicle belongs to the private information of the car owner. In order to prevent the car insurance company from conducting malicious itinerary tracking, the car owner is reluctant to share the detailed driving data with the car insurance company, which hinders the process of data analysis for customized car insurance. Malicious vehicles may fake low-risk driving data to lower the price of customized auto insurance if efforts are made to protect the privacy of the vehicle. Therefore, for the current dynamic cross-chain environment, privacy issues must be effectively addressed, with the emphasis on both data mobility and privacy. After private data flows across chains, it still needs to maintain its verifiability and privacy.

A blockchain-based personalized auto insurance calculation method in the prior art includes: based on an open, transparent and decentralized blockchain system, a simple process, low cost, privacy protection, and decentralized customized auto insurance are realized. The solution makes the calculation of auto insurance costs more efficient and safer. In this method, after the insured vehicle is started, a piece of driving data is generated every second, and the driving data is converted into a vector, encrypted and transmitted to the blockchain; every given statistical period, the blockchain accumulates and sums the encrypted data. Statistics and calculation of premiums.

The disadvantages of the above-mentioned blockchain-based personalized auto insurance calculation method are: it is difficult to prevent vehicles from forging driving data, malicious vehicles can privately forge safe driving data to reduce auto insurance costs; it is difficult to realize the bidding process in which multiple auto insurance companies customize auto insurance for vehicles in parallel .

A blockchain-based auto insurance bidding method in the prior art includes: designing a decentralized and privacy-protecting customized solution based on blockchain technology and zero-knowledge proof. Among them, smart contracts running on the blockchain act as a decentralized insurance company, while car owners continuously upload driving data to the blockchain. Car owners periodically submit cumulative driving statistics with zero-knowledge proofs to the smart contract, which verifies them and calculates insurance premiums based on the submitted statistics.

The disadvantage of a blockchain-based auto insurance bidding method in the above-mentioned prior art is that the process of calculating the premium is handed over to a smart contract to be programmed, and it is difficult to satisfy the process of customizing auto insurance in a practical application environment by comprehensively considering user behavior; It is difficult to meet the complex and dynamic multi-insurer environment; it is difficult to prevent malicious data tampering by both auto insurers and car owners.

SUMMARY OF THE INVENTION

The embodiment of the present invention provides a privacy protection customized auto insurance bidding method based on cross-chain technology, so as to realize the cross-chain bidding mechanism of multi-party auto insurance companies on the auto insurance bidding platform based on cross-chain technology.

In order to achieve the above objects, the present invention adopts the following technical solutions.

A privacy protection customized auto insurance bidding method based on cross-chain technology, including:

Auto insurance companies issue auto insurance through blockchain, and car owners purchase auto insurance through blockchain;

The vehicle regularly generates driving data during driving, uploads the driving data to the blockchain, and the auto insurance company verifies the validity of the driving data through the roadside communication unit;

Multi-chain auto insurance companies generate auto insurance plans for the vehicles according to valid driving data, and issue auto insurance through the blockchain;

The vehicle obtains the auto insurance plan issued by the multi-chain auto insurance company through the cross-chain technology, and realizes the multi-party auto insurance company's cross-chain bidding mechanism.

Preferably, the auto insurance company issues auto insurance through the blockchain, and the owner purchases the auto insurance through the blockchain, including:

The auto insurance company deploys the auto insurance solution to the smart contract, publishes the smart contract through the blockchain, runs the smart contract on the blockchain and realizes the distributed storage of the smart contract. The blockchain realizes the storage of the driving data of the vehicle and the auto insurance quotation and payment process in the smart contract. The car owner initiates the blockchain smart contract to invoke the transaction application, registers with the auto insurance smart contract on the blockchain platform and obtains a unique ID, and pays the fee After success, enter the auto insurance phase.

Preferably, the vehicle periodically generates driving data during driving, and uploads the driving data to the blockchain, including:

During the driving phase, the vehicle regularly collects the driving data of the vehicle. The driving data includes 6 data items including vehicle speed, acceleration, turning angle, speeding, sudden shifting and sharp turning. The zero-knowledge proof is generated based on the driving data, and the zero-knowledge The certificate is uploaded to the blockchain as the driving data certificate, and the vehicle also sends the driving data in plaintext to the roadside communication unit near the vehicle;

整合成零知识证明h_t＝{h_t，1，h_t，2…h_t，6}，并将零知识证明h_t作为行车数据存证上传到区块链。Respectively record the true value of the i-th data item in the driving data at time t as d _{t, i} , and 6 data items at time t form d _t = {d _{t, 1} , d _{t, 2} ... d _{t, 6} }, select the generator g, select the large prime number p, the auto insurance company generates and saves the random number r _t , sends the random number r _t to the vehicle, and the vehicle calculates the multiple data items d _{t at time t, obtained by i}

It is integrated into a zero-knowledge proof h _t = {h _{t, 1} , h _{t, 2} ... h _{t, 6} }, and the zero-knowledge proof h _t is uploaded to the blockchain as a driving data certificate.

Preferably, the vehicle insurance company verifies the validity of the driving data through the roadside communication unit, including:

The auto insurance company selects the recent time _t , inquires about the selected random number rt at this time, and selects the i-th data item among the 6 data items at time t, and the auto insurance company sends t, r _t , ID and i to the roadside communication unit , request the roadside communication unit to assist in verifying the authenticity of the driving data of the data item i at time t;

The roadside communication unit monitors the driving data of the vehicle in real time and performs short-term backup, and records the driving data at time t backed up by the roadside communication unit b={b _{t, 1} , b _{t, 2} ... b _{t, 6} }, and obtains the first i data items are b _{t, i} ;

The vehicle shares the plaintext driving data at time t with the roadside communication unit d={d _{t, 1} , d _{t, 2} ... d _{t, 6} }, and the i-th data item is obtained as d _{t, i} ;

The roadside communication unit reads the encrypted ciphertext data h _t = {h _{t, 1} , h _{t, 2} ... h _{t, 6} }, the generator g and the large prime number uploaded by the vehicle on the blockchain at time t p, get the data item h _{t, i} ;

成立，则认定车辆在t时刻i数据项的行车数据存证真实；如果b_t，i和d_t，i两个数据项之间的差值大于一定的阈值，则认定车辆在t时刻i数据项的行车数据已被篡改再作为存证，路边通信单元将车辆在t时刻i数据项的行车数据的验证结果上传到区块链。The roadside communication unit compares the three data items b _{t, i} , d _{t, i} and h _{t, i} , if the equation

If it is established, it is determined that the driving data of the vehicle i data item at time t is true; if the difference between the two data items b _{t, i} and d _{t, i} is greater than a certain threshold, it is determined that the vehicle data at time t i data The driving data of the item has been tampered with and then used as a certificate. The roadside communication unit uploads the verification result of the driving data of the data item i of the vehicle at time t to the blockchain.

Preferably, the multi-chain auto insurance company generates an auto insurance plan for the vehicle according to the valid driving data, and publishes the auto insurance through the blockchain, including:

The auto insurance company obtains the zero-knowledge proof of the driving data uploaded by the vehicle and the verification result of the driving data of the vehicle from the blockchain, synchronizes these data to the local, and uses the verification result of the driving data of the vehicle to verify the validity of the zero-knowledge proof of the driving data. The dealer conducts data analysis on the obtained zero-knowledge proof of valid driving data, obtains the auto insurance amount according to the data analysis results, and then submits it to the smart contract to synchronize the smart contract to the blockchain;

The vehicle also shares the zero-knowledge proof of the driving data with other auto insurers on other blockchain platforms, so that other auto insurers can analyze the zero-knowledge proof of the driving data and obtain the auto insurance quotation provided by the company. The auto insurance bid amount is submitted on the blockchain platform it uses.

Preferably, the vehicle obtains the auto insurance plan issued by the multi-chain auto insurance company through the cross-chain technology, and realizes the cross-chain bidding mechanism of the multi-party auto insurance company, including:

Vehicles use cross-chain technology to query their auto insurance amount on various blockchain platforms, use the source blockchain to call cross-chain smart contracts, interact with auto insurance companies on various blockchain platforms, and compare multiple auto insurance companies , select an auto insurance plan that suits your actual needs, use cross-chain technology to call smart contracts across chains and pay.

It can be seen from the technical solutions provided by the above-mentioned embodiments of the present invention that the process of customizing auto insurance in the present invention is completed by the auto insurance company internally, and the blockchain platform ensures the credibility of the auto insurance purchase and insurance phases, which can meet the comprehensive consideration of implementation. The process of customizing auto insurance by user behavior; the present invention introduces cross-chain technology, aiming to meet the complex and dynamic multi-insurer environment in practical applications; the present invention introduces roadside communication units to participate in driving data tampering detection protocols, effectively preventing malicious forgery by car owners. Safe driving data to reduce car insurance bills.

Additional aspects and advantages of the present invention will be set forth in part in the following description, which will be apparent from the following description, or may be learned by practice of the present invention.

Description of drawings

In order to illustrate the technical solutions of the embodiments of the present invention more clearly, the following briefly introduces the accompanying drawings used in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without any creative effort.

1 is a schematic diagram of the implementation principle of a privacy protection customized auto insurance bidding method based on a cross-chain technology provided by an embodiment of the present invention;

2 is a specific processing flowchart of a privacy protection customized auto insurance bidding method based on cross-chain technology provided by an embodiment of the present invention;

FIG. 3 is a schematic diagram of an implementation principle of testing and verifying the authenticity of vehicle sharing data through a roadside communication unit according to an embodiment of the present invention.

Detailed ways

Embodiments of the present invention are described in detail below, examples of which are illustrated in the accompanying drawings, wherein the same or similar reference numerals refer to the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present invention, but not to be construed as a limitation of the present invention.

It will be understood by those skilled in the art that the singular forms "a", "an", "the" and "the" as used herein can include the plural forms as well, unless expressly stated otherwise. It should be further understood that the word "comprising" used in the description of the present invention refers to the presence of stated features, integers, steps, operations, elements and/or components, but does not exclude the presence or addition of one or more other features, Integers, steps, operations, elements, components and/or groups thereof. It will be understood that when we refer to an element as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may also be present. Furthermore, "connected" or "coupled" as used herein may include wirelessly connected or coupled. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.

It will be understood by those skilled in the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. It should also be understood that terms such as those defined in general dictionaries should be understood to have meanings consistent with their meanings in the context of the prior art and, unless defined as herein, are not to be taken in an idealized or overly formal sense. explain.

In order to facilitate the understanding of the embodiments of the present invention, the following will take several specific embodiments as examples for further explanation and description in conjunction with the accompanying drawings, and each embodiment does not constitute a limitation to the embodiments of the present invention.

Cross-chain technology can connect multiple blockchain platforms to realize cross-chain data exchange, and can effectively ensure the atomicity of cross-chain smart contract calls and cross-chain asset transactions. The cross-chain scheme mainly includes notarization mechanism, relay/side chain, hash lock and distributed key control.

The embodiment of the present invention includes four kinds of entities: vehicle, auto insurance company, roadside communication unit and auto insurance blockchain. Vehicles will deliberately tamper with driving data to interfere with auto insurance assessments and payments, and vehicles are untrustworthy. Auto insurers will maliciously obtain the private records of vehicles, and will maliciously modify the amount of auto insurance, and auto insurers are also untrustworthy. As the public infrastructure of the intelligent transportation system, the roadside communication unit is credible. The embodiment of the present invention uses the blockchain technology as the architecture platform, and the tamper-proof feature of the blockchain technology ensures the reliability of the system operation and is credible. The details are as follows:

(1) Vehicle: The vehicle registers the auto insurance business with the auto insurance company, and shares its own driving data with the auto insurance company for evaluating the driving risk and the amount of auto insurance. The interior of the vehicle is equipped with On Board Diagnostics (OBD) and computing components for processing data and communications. The roadside communication unit device can acquire vehicle driving information in real time, including data items such as speed, acceleration, turning angle, and timestamp. The computing component processes the native data obtained by the roadside communication unit equipment, and has public and private keys and a blockchain account for data interaction with the blockchain and auto insurance companies. However, the vehicle will maliciously forge the driving data, modify the data of dangerous driving, and then upload the driving data to the chain to store the certificate, which will interfere with the evaluation of the driving behavior of the vehicle by the auto insurance company, so as to reduce the amount of auto insurance.

(2) Auto insurance company: The auto insurance company obtains the driving data of the vehicle, including driving data such as vehicle speed, acceleration, turning angle, sudden braking and rapid acceleration, and evaluates the driving risk of the vehicle according to the driving data of the vehicle. Customize a personalized auto insurance plan. For example, based on safer driving behavior, it can be inferred that the probability of the vehicle accident is low, and the possibility of auto insurance companies paying for auto insurance is low. It is necessary for auto insurance companies to reduce the cost of auto insurance for changing vehicles to achieve accurate pricing. However, auto insurers may obtain detailed data of vehicles for malicious behaviors such as data resale for profit, and there are incentives to deliberately increase the amount of auto insurance to obtain higher benefits.

(3) Roadside communication unit: The roadside communication unit is a facility deployed on the roadside to assist traffic in the Internet of Vehicles. It can continuously sample the signals sent by nearby vehicles at high speed and calculate the specific position and speed of the vehicle. information to track the driving status of the vehicle. As an important part of the intelligent transportation system, the roadside communication unit is a reliable public infrastructure that can monitor vehicles and provide traffic information services. In the present invention, the roadside communication unit monitors the driving status data of the vehicle in real time, including data such as vehicle speed and acceleration, compares the driving status data obtained by monitoring with the driving data sent by the vehicle, and records the data of the vehicle Falsifying records to prevent vehicles from maliciously tampering with driving data in order to reduce the amount of auto insurance.

(4) Auto insurance blockchain: The auto insurance blockchain is responsible for running smart contracts and realizing distributed data storage, which is used for the storage of vehicle driving data in the system and the realization of auto insurance quotation and payment processes in smart contracts. Different auto insurers in the cross-chain auto insurance system use a variety of blockchain platforms. The blockchain cross-chain technology enables these multiple blockchain platforms to be connected to realize data exchange.

The invention uses blockchain technology to build a data sharing platform and an auto insurance smart contract, introduces zero-knowledge proof technology to solve the problem of vehicle data privacy, combines cross-chain technology to connect multi-party auto insurance blockchains, realizes a multi-party auto insurance business cross-chain bidding mechanism, and solves the problem of auto insurance. Businesses adjust auto insurance quotes privately, driving data privacy leaks, and car owners maliciously forge safer driving data to reduce the amount of auto insurance.

A schematic diagram of the implementation principle of a privacy protection customized auto insurance bidding method based on cross-chain technology provided by an embodiment of the present invention is shown in FIG. 1 , and a specific processing flow is shown in FIG. 2 , including the following processing steps:

In step S10, the auto insurance company publishes the auto insurance through the blockchain, and the car owner purchases the auto insurance through the blockchain.

Step S20, the vehicle periodically generates a zero-knowledge proof of real-time driving data during the driving phase and uploads it to the blockchain as the driving data certificate. The auto insurance company uses the data aggregation plaintext to verify the validity of the driving data certificate.

Step S30, the multi-chain auto insurance company submits the auto insurance plan and the car owner transfers and purchases auto insurance through the cross-chain bidding module.

Step S40, the multi-chain auto insurance company detects whether the original data corresponding to the driving data storage certificate is tampered with by the vehicle owner through the data tampering detection module. Combined with cross-chain technology to connect the multi-party auto insurance blockchain, realize the cross-chain bidding mechanism of multi-party auto insurance companies.

Specifically, the above step S10 includes:

Auto insurance companies deploy auto insurance solutions on smart contracts, and publish smart contracts through the blockchain. Smart contracts are used to realize auto insurance quotation, charging and other functions. Based on the reliable execution of smart contracts, the reliability of auto insurance schemes can be guaranteed in a trustless manner. The blockchain is responsible for running smart contracts and implementing distributed storage of smart contracts. Data communication between auto insurance companies and car owners is carried out through the blockchain, which is also used for the storage of vehicle driving data in the system and the realization of processes such as auto insurance quotation and payment in smart contracts. The car owner initiates a blockchain smart contract to call a transaction application, and registers with the car insurance smart contract on the blockchain platform. After successful payment, the car insurance is in the insurance phase.

Specifically, the above step S20 includes:

During the driving phase, the vehicle regularly collects the driving data of the vehicle. The driving data includes 6 data items including vehicle speed, acceleration, turning angle, speeding, sudden shifting and sharp turning. The zero-knowledge proof is generated based on the driving data, and the zero-knowledge The proof is uploaded to the blockchain as a driving data certificate, and the above zero-knowledge proof is shared with the auto insurance company through the blockchain, so that the auto insurance company can generate smart contracts and evaluate driving risks. The vehicle also sends the driving data in plaintext to roadside communication units near the vehicle.

整合成零知识证明h_t＝{h_t，1，h_t，2...h_t，6}，并将零知识证明h_t作为行车数据存证上传到区块链。Respectively record the true value of the i-th data item in the driving data at time t as d _{t, i} , and 6 data items at time t form d _t = {d _{t, 1} , d _{t, 2} ... d _{t, 6} }, then select the generator g, and select the large prime number p. The auto insurance company generates and saves the random number _rt , and sends the random number _rt to the vehicle. The vehicle calculates multiple data items d _{t, i} at time t

It is integrated into a zero-knowledge proof h _t = {h _{t, 1} , h _{t, 2} ... h _{t, 6} }, and the zero-knowledge proof h _t is uploaded to the blockchain as a driving data certificate.

Then, the auto insurance company uses the data aggregation plaintext to verify the validity of the above-mentioned driving data certificate through the blockchain. Based on the non-tamperable feature of the blockchain, it can prove the reliability of historical driving data, complete the data delivery, and can be used as driving data to be stored in the auto insurance payment stage, effectively preventing malicious vehicles from falsifying historical driving records for false insurance fraud. .

In the above processing process, the car owner does not need to disclose the specific driving data, but only needs to disclose the zero-knowledge proof of the original driving data, so that the data can be calculated but invisible. The car owner only securely shares the aggregated driving data with the auto insurance company, such as data items such as the sum of speed and acceleration over a period of time.

Specifically, the above step S30 includes:

The auto insurance company obtains the zero-knowledge proof of the driving data uploaded by the vehicle and the verification result of the driving data of the vehicle from the blockchain, synchronizes these data to the local, and uses the verification result of the driving data of the vehicle to verify the validity of the zero-knowledge proof of the driving data. The dealer conducts data analysis on the obtained zero-knowledge proof of valid driving data, obtains the amount of auto insurance according to the data analysis results, and then submits it to the smart contract to synchronize the smart contract to the blockchain. The vehicle also shares the zero-knowledge proof of the above driving data with other auto insurers on other blockchain platforms, so that other auto insurers can analyze the zero-knowledge proof of the above driving data and obtain the auto insurance quotation provided by the company. The auto insurance bid amount is submitted on the blockchain platform it uses. The vehicle queries the amount of its own car insurance on the blockchain, and uses cross-chain technology to call the smart contract across the chain and pay the fee.

的正确性。The auto insurance company obtains the zero-knowledge proof h _{t, i} of the driving data of the vehicle at multiple times during this period of time on the blockchain, and then verifies the equation according to the locally stored multiple r _t

correctness.

最后验证X_i与

是否相等。如果验证通过，车险商即可确定区块链上该时刻的行车数据零知识有效。When assuming that the zero-knowledge proof is valid, the zero-knowledge proof can be used directly to verify D and R. For the zero-knowledge proof h _{t, i} of the driving data at each time t, calculate

Finally, it is verified that X _i and

are equal. If the verification is passed, the auto insurance company can determine that the zero-knowledge of the driving data on the blockchain at that moment is valid.

Different auto insurance companies in the cross-chain system use a variety of blockchain platforms, and the blockchain cross-chain technology enables these multiple blockchain platforms to be connected to realize data exchange. The fully functional cross-chain technology can effectively ensure the atomicity of cross-chain smart contract calls and cross-chain asset transactions. Car owners can continue to use the source blockchain to call cross-chain smart contracts, and conduct cross-chain smart contract calls with auto insurance companies on various blockchain platforms. Interaction, and cross-chain payment can be initiated without asset exchange, which reduces the complexity of transferring digital assets on the source auto insurance chain when changing auto insurance companies. The data interoperability between the blockchains of multiple auto insurance companies can realize the global cross-chain bidding business. Car owners share the historical driving data on the blockchain for multi-party auto insurance companies to evaluate, and form more accurate auto insurance pricing in the process of multi-party bidding. Car owners compare multiple car insurance companies and choose the car insurance plan that suits their actual needs.

Specifically, the above step S40 includes:

In practical applications, zero-knowledge proofs are not necessarily valid, and it is necessary to use roadside communication units to conduct "random spot checks" to verify the validity of zero-knowledge proofs. The invention also introduces the roadside communication unit in the car networking system into the blockchain, and tests and verifies the authenticity of the vehicle sharing driving data through the roadside communication unit, effectively preventing malicious vehicles from forging low-risk driving data to reduce vehicle insurance cost. The roadside communication unit monitors the real driving data of the vehicle on the road, and the vehicle discloses the plaintext data of the historical driving data. The roadside communication unit performs data cross-validation, and the auto insurance company collects the data tampering detection results and completes the data tampering detection in the form of a protocol.

The auto insurance company requests the roadside communication unit near the vehicle to detect the driving data to detect the authenticity of the historical driving data of the target vehicle. The roadside communication unit monitors the real driving data of the vehicle on the road, cross-verifies the real driving data and the plaintext of the historical driving data sent by the vehicle, and sends the verification result to the auto insurance company. A schematic diagram of the implementation principle of testing and verifying the authenticity of vehicle sharing data through a roadside communication unit provided by an embodiment of the present invention is shown in FIG. 3 . The process includes:

The auto insurance company selects the recent time _t , inquires the random number rt selected at this time, and selects the i-th data item among the 6 data items. The auto insurance company sends t, r _t , ID and i to the roadside communication unit, requesting the roadside communication unit to assist in verifying the authenticity of the driving data of the data item i at time t.

The roadside communication unit monitors the vehicle's driving speed, acceleration and other data in real time and performs short-term backup, and records the backup data at time t b = {b _{t, 1} , b _{t, 2} ... b _{t, 6} }, and obtains the i-th data item is b _{t, i} .

The vehicle shares the real plaintext data d={d _{t, 1} , d _{t, 2} ... d _{t, 6} } recorded by the roadside communication unit at time t with the roadside communication unit, and the i-th data item is obtained as d _{t, i} .

The roadside communication unit reads the encrypted ciphertext data h _t = {h _{t, 1} , h _{t, 2} ... h _{t, 6} }, the generator g and the large prime number p on the blockchain at time t, and verifies Data item h _{t, i} .

成立，则认定车辆在t时刻i数据项的行车数据存证真实；如果b_t，i和d_t，i两个数据项之间的差值大于一定的阈值，则认定车辆在t时刻i数据项的行车数据已被篡改再作为存证，路边通信单元将车辆在t时刻i数据项的行车数据的验证结果上传到区块链。The roadside communication unit compares the three data items b _{t, i} , d _{t, i} and h _{t, i} , if the equation

If it is established, it is determined that the driving data of the vehicle i data item at time t is true; if the difference between the two data items b _{t, i} and d _{t, i} is greater than a certain threshold, it is determined that the vehicle data at time t i data The driving data of the item has been tampered with and then used as a certificate. The roadside communication unit uploads the verification result of the driving data of the data item i of the vehicle at time t to the blockchain.

The number of times the roadside communication unit detects that the data has been tampered with by the roadside communication unit during driving is recorded on the blockchain, including the number of times the roadside communication unit applies for verification, the number of data tampering, the number of times the data has not been tampered with, and the number of times the vehicle has not responded.

A process for implementing multi-party auto insurance companies cross-chain bidding combined with cross-chain technology provided by the embodiment of the present invention includes:

Auto insurance companies use the records of roadside communication units to assist in detecting data tampering as reference data for auto insurance pricing. Several other auto insurance companies in the system inquired about the owner's account address and frequently synchronized the driving data records.

The auto insurance company initiates a request to apply for the aggregation of driving data to the target vehicle. The car owner can send the data aggregation D to the car insurance company. After analyzing the driving data of the vehicle locally, the auto insurance company calculates the amount of auto insurance, publishes it to the smart contract on the blockchain platform used by its own company, and informs the vehicle to come to this blockchain for data verification.

The vehicle autonomously and controllably sends the data aggregation D of the driving history to multiple auto insurance companies, and then the auto insurance companies publish auto insurance quotes on the blockchain platform they use for the vehicle to choose independently. Vehicles check the smart contracts on the blockchain corresponding to multiple auto insurance companies, and get auto insurance plans and quotations. The vehicle initiates cross-chain payment on its original blockchain platform, and uses the existing digital currency to complete auto insurance payment on the new blockchain platform.

To sum up, the embodiment of the present invention effectively prevents car owners from maliciously forging safer driving data to reduce the amount of car insurance by introducing a roadside communication unit to participate in the driving data tampering detection protocol; the cross-chain technology-based car insurance bidding platform constructed by the present invention It can realize parallel customization of auto insurance by multiple insurers.

The present invention designs a cross-chain customized auto insurance system connecting multiple auto insurance business block chains to realize a safe and reliable public bidding mechanism. The blockchain cross-chain technology is introduced to realize data interoperability and cross-chain traceability on multiple auto insurance chains. Car owners can independently and controllably share the historical data on the blockchain to designated auto insurance companies, and auto insurance companies adapt to cross-chain. The logic can expand the single-chain auto insurance business to the global cross-chain auto insurance business. Based on the reliable execution of blockchain smart contracts, the open and credible bidding process of auto insurance companies is ensured. A transparent pricing scheme can effectively prevent auto insurers from defrauding car owners, which can promote accurate pricing in the auto insurance industry.

The present invention proposes a zero-knowledge proof data aggregation scheme suitable for cross-chain circulation, which can realize the aggregation of vehicles sharing driving data with auto insurance companies on the premise of protecting the privacy of vehicle driving data. This solution can support roadside communication units to detect data tampering, and can effectively prevent vehicles from maliciously forging driving records.

The invention introduces roadside communication unit reference to test and verify the authenticity of vehicle sharing data, effectively preventing malicious vehicles from forging low-risk driving data to reduce vehicle insurance costs. The roadside communication unit monitors the driving status of the vehicle in real time, including obtaining data such as vehicle speed and acceleration, and compares the monitoring data with the data stored in the vehicle's on-chain driving data, and records the vehicle's data forgery records to prevent the vehicle from being forged. Maliciously tampering with driving data to reduce the amount of auto insurance.

Those of ordinary skill in the art can understand that the accompanying drawing is only a schematic diagram of an embodiment, and the modules or processes in the accompanying drawing are not necessarily necessary to implement the present invention.

From the description of the above embodiments, those skilled in the art can clearly understand that the present invention can be implemented by means of software plus a necessary general hardware platform. Based on this understanding, the technical solutions of the present invention can be embodied in the form of software products in essence or the parts that make contributions to the prior art. The computer software products can be stored in storage media, such as ROM/RAM, magnetic disks, etc. , CD, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in various embodiments or some parts of the embodiments of the present invention.

Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the apparatus or system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and reference may be made to some descriptions of the method embodiments for related parts. The apparatus and system embodiments described above are only illustrative, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, It can be located in one place, or it can be distributed over multiple network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment. Those of ordinary skill in the art can understand and implement it without creative effort.

The above description is only a preferred embodiment of the present invention, but the protection scope of the present invention is not limited to this. Substitutions should be covered within the protection scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.

Claims (6)

1. A privacy protection customized car insurance bidding method based on a cross-chain technology is characterized by comprising the following steps:

the vehicle insurance trader issues the vehicle insurance through the block chain, and the vehicle owner purchases the vehicle insurance through the block chain;

the method comprises the steps that driving data are generated regularly during the driving process of a vehicle, the driving data are uploaded to a block chain, and a vehicle insurance provider verifies the effectiveness of the driving data through a roadside communication unit;

the multi-chain vehicle insurance traders respectively generate the vehicle insurance scheme of the vehicle according to the effective driving data and release the vehicle insurance through the block chain;

the vehicle obtains the vehicle insurance scheme issued by the multi-chain vehicle insurance trader through a cross-chain technology, and a multi-party vehicle insurance trader cross-chain bidding mechanism is realized.

2. The method of claim 1, wherein the vehicle insurance carrier issues the vehicle insurance through the blockchain, and the vehicle owner purchases the vehicle insurance through the blockchain, comprising:

the vehicle insurance provider deploys the vehicle insurance scheme on an intelligent contract, issues the intelligent contract through a block chain, the block chain runs the intelligent contract and realizes distributed storage of the intelligent contract, the vehicle insurance provider and a vehicle owner perform data communication through the block chain, the storage of vehicle driving data storage and vehicle insurance quotation and payment processes in the intelligent contract are realized through the block chain, the vehicle owner initiates the block chain intelligent contract to call transaction application, registers the vehicle insurance intelligent contract on a block chain platform and obtains a unique identification ID, and the vehicle insurance enters a vehicle insurance in stage after payment is successful.

3. The method according to claim 1 or 2, wherein the vehicle periodically generates driving data during driving, and the uploading of the driving data into the block chain comprises:

the method comprises the steps that a vehicle regularly collects driving data of the vehicle in a driving stage, wherein the driving data comprises 6 data items of vehicle speed, acceleration, turning angle, whether overspeed is caused, whether rapid speed change is caused and whether rapid turning is caused, a zero knowledge certificate is generated according to the driving data and uploaded to a block chain as a driving data certificate, and the vehicle also sends a driving data plaintext to a roadside communication unit nearby the vehicle;

respectively recording the true value of the ith data item in the driving data at the time t as d _t，i Time t 6 data item groupsTo d _t ＝{d _t，1 ，d _t，2 …d _t，6 Selecting a generating element g, selecting a large prime number p, generating a random number r by the car insurance quotient and storing the random number r _t A random number r _t Sent to the vehicle, which calculates a plurality of data items d at time t _t，i Obtained

Integration into zero knowledge proof h _t ＝{h _t，1 ，h _t，2 …h _t，6 And prove zero knowledge h _t And uploading the traffic data to the block chain as a traffic data certificate.

4. The method according to claim 3, wherein the vehicle insurance carrier verifies the driving data validity through a roadside communication unit, and the method comprises the following steps:

the vehicle insurance trader selects the recent time t and inquires the random number r selected at the time _t Selecting the ith data item from the 6 data items at the time t, and sending t and r by the vehicle insurance provider _t The ID and the i are sent to a roadside communication unit, and the roadside communication unit is requested to assist in verifying the authenticity of the driving data storage certificate of the data item of the vehicle at the time t;

the roadside communication unit monitors the driving data of the vehicle in real time and carries out short-term backup, and the driving data b at the t moment backed up by the roadside communication unit is recorded as { b ═ b _t，1 ，b _t，2 ...b _t，6 Get the ith data item as b _t，i ；

The vehicle shares plaintext driving data d ═ d { d } at time t to the roadside communication unit _t，1 ，d _t，2 …d _t，6 Get the ith data item as d _t，i ；

The roadside communication unit reads encrypted ciphertext data h uploaded by a vehicle at time t on a block chain _t ＝{h _t，1 ，h _t，2 …h _t，6 Get the data item h, generate the element g and the big prime number p _t，i ；

Roadside communication unit b _t，i 、d _t，i And h _t，i Comparing the three data items ifEquation of

If yes, determining that the driving data of the vehicle in the data item at the time i is true; if b is _t，i And d _t，i And if the difference value between the two data items is larger than a certain threshold value, the driving data of the data item i at the time t of the vehicle is judged to be tampered and then used as evidence, and the roadside communication unit uploads the verification result of the driving data of the data item i at the time t of the vehicle to the block chain.

5. The method according to claim 2, wherein the multi-chain vehicle insurance provider generates the vehicle insurance plan of the vehicle according to the valid driving data and issues the vehicle insurance through the block chain, respectively, and comprises:

the vehicle insurance provider obtains the driving data zero knowledge proof uploaded by the vehicle and the verification result of the driving data of the vehicle from the block chain, synchronizes the data to the local, verifies the effectiveness of the driving data zero knowledge proof by using the verification result of the driving data of the vehicle, performs data analysis on the obtained effective driving data zero knowledge proof, obtains the vehicle insurance amount according to the data analysis result, then submits the vehicle insurance amount to the intelligent contract, and synchronizes the intelligent contract to the block chain;

the vehicle also shares the zero-knowledge proof of the driving data with other vehicle insurance providers on other block chain platforms, so that the other vehicle insurance providers can analyze the zero-knowledge proof of the driving data to obtain the vehicle insurance quotation provided by the company, and the other vehicle insurance providers submit the vehicle insurance bidding amount on the block chain platforms used by the other vehicle insurance providers.

6. The method according to claim 5, wherein the vehicle obtains the car insurance proposal issued by the multi-chain car insurance provider through a cross-chain technology, and realizes a multi-party car insurance provider cross-chain bidding mechanism, comprising:

the vehicle uses a cross-chain technology to inquire the vehicle insurance amount on various block chain platforms, uses a source block chain to carry out cross-chain intelligent contract calling, interacts with vehicle insurance merchants on the various block chain platforms, compares a plurality of vehicle insurance merchants, selects a vehicle insurance scheme suitable for the actual demand of the vehicle, and uses the cross-chain technology to carry out cross-chain intelligent contract calling and payment.

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