Background
The customized vehicle insurance is to customize the vehicle insurance cost by evaluating the usage amount and the driving behavior of the vehicle, so that the vehicle owner can obtain more accurate vehicle insurance pricing and real-time risk driving behavior early warning service, and can stimulate the user to standardize the driving behavior so as to reduce the vehicle insurance cost. The implementation mode of customizing the vehicle risk mainly comprises the steps that a vehicle manufacturer installs vehicle-mounted diagnosis equipment to collect vehicle running state information, and then uploads the vehicle running state information to a data analysis platform for vehicle risk assessment.
The motor vehicle risk is one of the main risks in the vehicle risk market, the traditional vehicle risk pricing scheme only refers to indexes such as vehicle types, vehicle values and the like, and does not refer to more critical driving behavior risks to evaluate the vehicle risk amount, so that the classification of the vehicle risk rate is unreasonable, and vehicles with different driving risks can pay almost the same vehicle risk amount.
The development of internet of vehicles technology makes it possible to effectively evaluate the driving behavior of vehicles. The vehicle insurance customized based on the usage amount is used for customizing the vehicle insurance cost by evaluating the usage amount and the driving behavior of the vehicle, so that a vehicle owner can obtain more accurate vehicle insurance pricing and real-time risk driving behavior early warning service, and can stimulate a user to standardize the driving behavior so as to reduce the vehicle insurance cost, thereby having important significance for promoting intelligent traffic development.
In order to evaluate a customized vehicle insurance scheme, a vehicle insurance service provider needs to monitor driving behavior of a vehicle. At present, a vehicle insurance company providing customized vehicle insurance service mainly monitors driving behaviors of vehicles in a unified mode in which a centralized server collects driving data, and the data storage and analysis processes are completed inside the vehicle insurance company. The security of the centralized data storage mode is difficult to ensure, a malicious user in the network attacks the commercial establishment, so that the system service is abnormal, commercial records and customer data are even leaked, and the integrity of the historical driving data is difficult to ensure. The fixed data storage space is difficult to realize the control of the owner data, and the individual data value master rights cannot be completely controlled. And the opaque data processing mode in the vehicle insurance manufacturer is difficult to obtain user trust, the process of evaluating the vehicle insurance amount according to driving behaviors of the vehicle insurance manufacturer cannot be opened to the outside, and the malicious vehicle insurance manufacturer has an incentive to adjust the vehicle insurance amount of the user so as to obtain more benefits.
The decentralization scheme represented by the blockchain technology can ensure the non-tamper property of data, a vehicle owner records the historical driving data of the vehicle on a blockchain platform to ensure the integrity of the data, and the opening characteristic of the blockchain enables the vehicle owner to realize the controllability of personal data without being limited by an independent data storage mechanism to extract and share the data. The vehicle insurance program is deployed on the intelligent contract by the vehicle insurance manufacturer, and the reliability of the vehicle insurance program can be ensured in a trust-free manner based on the reliable execution of the intelligent contract. However, in recent years, the blockchain technology is rapidly developed, different vehicle insurance providers may use multiple blockchain platforms to complete the service, the running record and the transaction record of the vehicle are all stored on the chain used by the current insurance provider, the service of other vehicle insurance providers is based on the different blockchain platforms, and the docking of the vehicle insurance service is difficult to realize. In addition, the driving data of the vehicle belongs to private information of the vehicle owner, and the vehicle owner is reluctant to share detailed driving data to the vehicle insurance manufacturer in order to prevent the vehicle insurance manufacturer from carrying out malicious journey tracking, which hinders the process of customizing the vehicle insurance for carrying out data analysis. If efforts are made to protect the privacy of the vehicle, a malicious vehicle may falsify low risk driving data to reduce the customized vehicle risk price. Therefore, for the current dynamic cross-link environment, the privacy problem must be effectively solved, and the important point is that the data mobility and the privacy must be considered simultaneously. After private data flows across the chain, there is still a need to maintain its verifiability and privacy.
A personalized car insurance calculating method based on block chain in the prior art comprises the following steps: based on the transparent public and decentralised blockchain system, a customized car insurance scheme with simple flow, low cost, privacy protection and decentralised is realized, so that the car insurance cost calculation is more efficient and safer. In the method, after the participating vehicles are started, one piece of driving data is generated every second, the driving data is converted into vectors, encrypted and transmitted to a block chain; every given statistical period, the block chain accumulates and counts the encrypted data and calculates the premium.
The block chain-based personalized car risk calculation method has the following defects: it is difficult to prevent vehicles from forging driving data, and malicious vehicles can privately forge safe driving data to reduce the vehicle risk cost; it is difficult to implement a bidding process where multiple vehicle insurance providers customize the vehicle insurance for the vehicle in parallel.
A car insurance bidding method based on block chain in the prior art comprises the following steps: based on blockchain technology and zero knowledge proof, a customization scheme with decentralization and privacy protection is designed. Wherein the intelligent contracts running on the blockchain act as decentralised insurance companies, and owners continuously upload driving data to the blockchain. The vehicle owners regularly submit accumulated driving statistics with zero knowledge proof to the intelligent contracts, which verify them and calculate premiums based on the submitted statistics.
The disadvantages of the vehicle insurance bidding method based on the blockchain in the prior art are as follows: the process of calculating the premium is submitted to the intelligent contract programming, so that the process of customizing the vehicle insurance by comprehensively considering the user behavior in the actual application environment is difficult to be satisfied; it is difficult to meet complex dynamic multi-underwriter environments; it is difficult to prevent malicious data tampering actions by both the driver and the owner.
Disclosure of Invention
The embodiment of the invention provides a customized vehicle insurance bidding privacy protection method based on a cross-link technology, which is used for realizing a multi-party vehicle insurance business cross-link bidding mechanism by a vehicle insurance bidding platform based on the cross-link technology.
In order to achieve the above purpose, the present invention adopts the following technical scheme.
A privacy protection customized car insurance bidding method based on a cross-link technology comprises the following steps:
the vehicle insurance manufacturer 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 driving of a vehicle, the driving data are uploaded to a block chain, and a vehicle insurance manufacturer verifies the effectiveness of the driving data through a roadside communication unit;
the multi-chain vehicle insurance manufacturer generates a vehicle insurance scheme of the vehicle according to the effective driving data respectively, and issues the vehicle insurance through a block chain;
the vehicle acquires a vehicle insurance scheme issued by a multi-chain vehicle insurance manufacturer through a cross-chain technology, and a multi-party vehicle insurance manufacturer cross-chain bidding mechanism is realized.
Preferably, the vehicle insurance manufacturer issues the vehicle insurance through a blockchain, and the vehicle owner purchases the vehicle insurance through the blockchain, including:
the vehicle insurance merchant deploys the vehicle insurance scheme on the intelligent contract, the intelligent contract is issued through the blockchain, the blockchain operates the intelligent contract and realizes the distributed storage of the intelligent contract, the vehicle insurance merchant and the vehicle owner perform data communication through the blockchain, the storage of the driving data of the vehicle and the quotation and payment flow of the vehicle insurance in the intelligent contract are realized through the blockchain, the vehicle owner initiates the transaction application of the blockchain intelligent contract, the vehicle insurance intelligent contract registered on the blockchain platform is acquired and a unique identification ID is acquired, and the vehicle insurance protection stage is entered after the payment is successful.
Preferably, the vehicle periodically generates driving data in the driving process, and uploads the driving data to the blockchain, including:
the method comprises the steps that a vehicle periodically collects driving data of the vehicle in a driving stage, wherein the driving data comprise 6 data items of vehicle speed, acceleration, turning angle, overspeed, abrupt speed change and abrupt turning, zero knowledge proof is generated according to the driving data, the zero knowledge proof is used as a driving data storage certificate and uploaded to a blockchain, and the vehicle also sends driving data clear text to roadside communication units nearby the vehicle;
the true value of the ith data item in the driving data at the moment t is respectively recorded as d
t,i 6 data items at time t constitute d
t =(d
t,1 ,d
t,2 ...d
t,6 Selecting generator g, selecting large prime number p, generating and storing random number r by vehicle insurance provider
t The random number r
t To the vehicle, the vehicle calculates a plurality of data items d at the time t
t,i Obtained by
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 data as a driving data certificate to the blockchain.
Preferably, the vehicle insurance manufacturer verifies the validity of the driving data through a roadside communication unit, including:
the vehicle insurance provider selects the recent t moment and inquires the random number r selected at the moment t Selecting the ith data item in the 6 data items at the moment t, and sending t and r by the vehicle insurance carrier t The ID and i are given to the 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 moment i;
the roadside communication unit monitors driving data of the vehicle in real time and performs short-term backup, and records driving data b= { b at t moment of backup of the roadside communication unit t,1 ,b t,2 ...b t,6 Obtaining the ith data item as b t,i ;
Clear text driving data d= { d at t moment shared by vehicles to roadside communication units t,1 ,d t,2 ...d t,6 Obtaining the ith data item as d t,i ;
The roadside communication unit reads encrypted ciphertext data h uploaded by a vehicle at t time on a blockchain t ={h t,1 ,h t,2 ...h t,6 Generating element g and big prime number p, obtaining data item h t,i ;
Roadside communication Unit will b
t,i 、d
t,i And h
t,i Three data items are compared and if the equation
If so, determining that the driving data of the data item of the vehicle at the time i is true; if b
t,i And d
t,i And if the difference value between the two data items is larger than a certain threshold value, recognizing that the driving data of the data item of the vehicle at the time i is tampered and then used as a certificate, and uploading a verification result of the driving data of the data item of the vehicle at the time i to the blockchain by the roadside communication unit.
Preferably, the multi-chain vehicle insurance manufacturer generates a vehicle insurance scheme of the vehicle according to the effective driving data, and issues the vehicle insurance through a block chain, including:
the vehicle insurance manufacturer acquires 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 the data to the local place, verifies the validity of the zero knowledge proof of the driving data by using the verification result of the driving data of the vehicle, performs data analysis on the acquired valid zero knowledge proof of the driving data by the vehicle insurance manufacturer, obtains the vehicle insurance amount according to the data analysis result, submits the vehicle insurance amount to the intelligent contract, and synchronizes the intelligent contract to the blockchain;
the vehicle also shares the zero knowledge proof of the driving data to other vehicle insurance providers on other blockchain 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 bid amount on the blockchain platform used by the vehicle insurance providers.
Preferably, the vehicle acquires a vehicle insurance scheme issued by a multi-chain vehicle insurance provider through a cross-chain technology, and realizes a multi-party vehicle insurance provider cross-chain bidding mechanism, which comprises the following steps:
the vehicle uses a cross-chain technology to inquire own insurance amount on various blockchain platforms, uses a source blockchain to carry out cross-chain intelligent contract calling, interacts with insurance providers on various blockchain platforms, compares a plurality of insurance providers, selects an insurance scheme suitable for actual requirements of the vehicle, and uses the cross-chain technology to carry out cross-chain intelligent contract calling and payment.
According to the technical scheme provided by the embodiment of the invention, the process of customizing the vehicle insurance is completed inside the vehicle insurance manufacturer, the block chain platform ensures the credibility of vehicle insurance purchase and guarantee period, and the process of comprehensively considering the user behavior to customize the vehicle insurance can be met; the invention introduces a cross-chain technology, and aims to meet the complex and dynamic multi-insurance business environment in practical application; according to the invention, the roadside communication unit is introduced to participate in the driving data tamper detection protocol, so that the vehicle owner is effectively prevented from maliciously forging safer driving data so as to reduce the vehicle insurance amount.
Additional aspects and advantages of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention.
Detailed Description
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 by referring to the drawings are exemplary only for explaining the present invention and are not to be construed as limiting the present invention.
As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless expressly stated otherwise, as understood by those skilled in the art. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude 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 an element is referred to 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. Further, "connected" or "coupled" as used herein may include wirelessly connected or coupled. The term "and/or" as used herein 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 will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.
For the purpose of facilitating an understanding of the embodiments of the invention, reference will now be made to the drawings of several specific embodiments illustrated in the drawings and in no way should be taken to limit the embodiments of the invention.
The cross-chain technology can be connected with a plurality of blockchain platforms to realize cross-chain data intercommunication, and can effectively ensure the atomicity of cross-chain intelligent contract calling and cross-chain asset transaction. The cross-chain scheme mainly comprises a notarization mechanism, a relay/side chain, hash locking and distributed key control.
The embodiment of the invention comprises four entities: vehicles, vehicle insurance vendors, roadside communication units, and vehicle insurance blockchains. Vehicles may intentionally tamper with driving data to interfere with vehicle risk assessment and reimbursement, which is not trusted. The vehicle insurance merchant can maliciously acquire the privacy records of the vehicle, and can maliciously modify the vehicle insurance amount, and the vehicle insurance merchant is also not trusted. Roadside communication units are trusted as a public infrastructure of intelligent transportation systems. The embodiment of the invention uses the blockchain technology as a framework platform, and the tamper-proof characteristic of the blockchain technology ensures the reliability of the system operation and is credible. The detailed description is as follows:
(1) Vehicle: the vehicle registers the vehicle insurance business with the vehicle insurance manufacturer, and shares the driving data of the vehicle insurance business to the vehicle insurance manufacturer for evaluating the driving risk and the vehicle insurance amount. The vehicle interior is equipped with an on-board diagnostic device (0n Board Diagnostics,OBD) and a computing component for processing data and communications. The roadside communication unit equipment can acquire vehicle running information in real time, and the vehicle running information comprises data items such as speed, acceleration, turning angle, time stamp and the like. The computing component processes the primary data acquired by the roadside communication unit equipment and is provided with a public and private key and a blockchain account, so that data interaction can be carried out between the blockchain and a vehicle insurance manufacturer. However, the vehicle can maliciously forge driving data, modify dangerous driving data and then link driving data for evidence, and interfere driving behavior evaluation of a vehicle by a vehicle insurance manufacturer so as to reduce the amount of the vehicle insurance.
(2) Vehicle insurance manufacturer: the vehicle insurance manufacturer obtains driving data of the vehicle, including driving data such as vehicle speed, acceleration, turning angle, sudden braking, sudden acceleration and the like, evaluates driving risk of the vehicle according to the driving data of the vehicle, customizes an individualized vehicle insurance scheme according to the driving risk of the vehicle, and can infer that the accident probability of the vehicle is lower according to safer driving behaviors, the possibility that the vehicle insurance manufacturer pays the vehicle insurance is lower, and the vehicle insurance manufacturer needs to reduce the vehicle insurance fee of the vehicle for realizing accurate pricing. However, the vehicle insurance provider may acquire detailed data of the vehicle for malicious actions such as data resale profit, and may have an incentive to intentionally increase the vehicle insurance amount to obtain higher benefits.
(3) Roadside communication unit: the roadside communication unit is a facility which is arranged on the roadside in the Internet of vehicles and used for assisting traffic, can continuously sample signals sent by nearby vehicles at a high speed, calculates information such as specific positions and running speeds of the vehicles, and tracks the running state of the vehicles. Roadside communication units, which are an important component in intelligent traffic systems, are reliable public infrastructure capable of monitoring vehicles and providing traffic information services. In the invention, the roadside communication unit monitors the running state data of the vehicle in real time, including the data such as the speed and the acceleration of the vehicle, compares the running state data of the monitored vehicle with the running data sent by the vehicle, records the data forgery record of the vehicle, and prevents the vehicle from maliciously falsifying the running data so as to reduce the vehicle insurance amount.
(4) Vehicle risk block chain: the vehicle insurance blockchain is responsible for running intelligent contracts and realizing distributed data storage and is used for realizing vehicle driving data storage in the system, vehicle insurance quotation, payment and other processes in the intelligent contracts. Different vehicle insurance providers in the cross-chain vehicle insurance system use a plurality of block chain platforms, and the block chain cross-chain technology enables the plurality of block chain platforms to be connected together so as to realize data intercommunication.
According to the invention, a data sharing platform and a car insurance intelligent contract are constructed by using a blockchain technology, a zero knowledge proof technology is introduced to solve the problem of vehicle data privacy, a multi-party car insurance blockchain is connected by combining a cross-chain technology, a multi-party car insurance business cross-chain bidding mechanism is realized, and the problems of the private adjustment of car insurance quotations, the leakage of driving data privacy and the malicious counterfeiting of safer driving data of a car owner by the car insurance business are solved to reduce the car insurance amount.
The schematic implementation diagram of the privacy protection customized car insurance bidding method based on the cross-link technology is shown in fig. 1, the specific processing flow is shown in fig. 2, and the method comprises the following processing steps:
step S10, the vehicle insurance manufacturer issues the vehicle insurance through the block chain, and the vehicle owner purchases the vehicle insurance through the block chain.
And step S20, the vehicle periodically generates zero knowledge proof of real-time driving data in a driving stage and uploads the zero knowledge proof to the blockchain as a driving data storage certificate, and a vehicle insurance manufacturer verifies the effectiveness of the driving data storage certificate by utilizing a data aggregation plaintext.
And step S30, submitting a vehicle insurance scheme and a main cross-chain transfer and purchase vehicle insurance by the multi-chain vehicle insurance manufacturer through the cross-chain bidding module.
And S40, detecting whether original data corresponding to the driving data storage certificate is tampered by the vehicle owner or not by the multi-chain vehicle insurance manufacturer through the data tampering detection module. And the cross-chain technology is combined to connect the multi-party vehicle insurance blockchains, so that a multi-party vehicle insurance merchant cross-chain bidding mechanism is realized.
Specifically, the step S10 includes:
the car insurance provider deploys the car insurance scheme on the intelligent contract, and the intelligent contract is issued through the block chain and is used for realizing the functions of car insurance quotation, charging and the like. Based on the reliable execution of the intelligent contract, the reliability of the vehicle insurance scheme can be ensured in a trust-removing manner. The blockchain is responsible for running the smart contracts and implementing the distributed storage of the smart contracts. The vehicle insurance manufacturer and the vehicle owner perform data communication through a blockchain, and the blockchain is also used for realizing the vehicle driving data storage certificate in the system, the vehicle insurance quotation, payment and other processes in the intelligent contract. The vehicle owner initiates a blockchain intelligent contract to call a transaction application, registers a vehicle insurance intelligent contract on a blockchain platform, and enters a vehicle insurance protection stage after successful payment.
Specifically, the step S20 includes:
the method comprises the steps that a vehicle periodically collects driving data of the vehicle in a driving stage, wherein the driving data comprise 6 data items of vehicle speed, acceleration, turning angle, overspeed, abrupt speed change and abrupt turning, zero knowledge proof is generated according to the driving data, the zero knowledge proof is uploaded into a blockchain as a driving data storage certificate, and the zero knowledge proof is shared to a vehicle insurance manufacturer through the blockchain so as to enable the vehicle insurance manufacturer to generate intelligent contracts and evaluate driving risks. The vehicle also transmits the clear text of the driving data to the roadside communication units near the vehicle.
The true value of the ith data item in the driving data at the moment t is respectively recorded as d
t,i 6 data items at time t constitute d
t ={d
t,1 ,d
t,2 ...d
t,6 Then select generator g, select large prime number p. The vehicle insurance manufacturer generates and stores a random number r
t The random number r
t To the vehicle. The vehicle calculates a plurality of data items d at the time t
t,i Obtained by
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 data as a driving data certificate to the blockchain.
And then, the vehicle insurance manufacturer verifies the validity of the driving data certificate through a block chain utilizing a data aggregation plaintext. Based on the non-tamperable characteristic of the blockchain, the reliability of historical driving data can be proved, data delivery can be completed, and the historical driving data can be used as driving data storage for a vehicle insurance pay-off stage, so that false cheating protection of a malicious vehicle forging historical driving record is effectively prevented.
In the processing process, the vehicle owner does not need to leak specific driving data, only needs to disclose zero knowledge proof of the original driving data, and the data can be calculated but cannot be seen. The vehicle owners only aggregate and securely share driving data to vehicle adventure providers, such as data items of speed sum and acceleration sum in a period of time.
Specifically, the step S30 includes:
the vehicle insurance manufacturer 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 the data to the local place, verifies the validity of the zero knowledge proof of the driving data by using the verification result of the driving data of the vehicle, performs data analysis on the obtained valid zero knowledge proof of the driving data by the vehicle insurance manufacturer, obtains the vehicle insurance amount according to the data analysis result, submits the vehicle insurance amount to the intelligent contract, and synchronizes the intelligent contract to the blockchain. The vehicle also shares the zero knowledge proof of the driving data to other vehicle insurance providers on other blockchain 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 bid amount on the blockchain platform used by the vehicle insurance providers. The vehicle inquires the own insurance amount of the vehicle on the blockchain, and uses the cross-chain technology to call intelligent contracts and pay.
The vehicle insurance manufacturer obtains the zero knowledge proof h of the driving data of the vehicle at a plurality of moments in the period of time on the blockchain
t,i Then based on a plurality of r stored locally
t Verification equation
Accuracy of (3).
When assuming that zero knowledge proof is valid, it is possible to verify D and R directly using zero knowledge proof. Zero knowledge proof h of driving data for each time t
t,i Calculation of
Finally verify X
i And->
Whether equal. If the verification is passed, the vehicle insurance provider can determine that the zero knowledge of the driving data at the moment on the block chain is effective.
Different vehicle insurance providers in the cross-chain system use a plurality of block chain platforms, and the block chain cross-chain technology enables the plurality of block chain platforms to be connected together so as to realize data intercommunication. The cross-chain technology with complete functions can effectively ensure the atomicity of cross-chain intelligent contract calling and cross-chain asset transaction, and a vehicle owner can continuously use a source blockchain to carry out cross-chain intelligent contract calling and interact with vehicle insurance providers on various blockchain platforms. The data intercommunication among the block chains of the multiple car insurance providers can realize global cross-chain bidding business, and car owners share historical driving data on the block chains for multi-party car insurance providers to evaluate, so that more accurate car insurance pricing is formed in the multi-party bidding process. The car owner compares a plurality of car insurance merchants by oneself and selects a car insurance scheme suitable for actual demands of the car owner.
Specifically, the step S40 includes:
in practical applications, the zero-knowledge proof is not necessarily valid, and the validity of the zero-knowledge proof needs to be verified by random spot check by using the roadside communication unit. According to the invention, the roadside communication unit in the Internet of vehicles system is also introduced into the block chain, and the authenticity of the shared driving data of the vehicles is tested and verified through the roadside communication unit, so that the malicious vehicles are effectively prevented from forging the low-risk driving data, and the vehicle risk cost is reduced. The roadside communication unit monitors real driving data of the vehicle on a highway, and the vehicle discloses clear text data of historical driving data storage certificate. And the roadside communication unit performs data cross verification, a vehicle insurance manufacturer collects data tampering detection results, and data tampering detection is completed in a protocol mode.
The vehicle insurance manufacturer requests roadside communication units nearby the vehicle to detect driving data, and the authenticity of historical driving data of the target vehicle is detected. The roadside communication unit monitors real driving data of the vehicle on a road, performs data cross verification on the real driving data and a historical driving data plaintext sent by the vehicle, and sends a verification result to a vehicle insurance manufacturer. The schematic diagram of the implementation principle for testing and verifying the authenticity of the shared data of the vehicle through the roadside communication unit is shown in fig. 3, and the implementation principle is completed by the cooperation of the three parties of the vehicle, the vehicle insurance manufacturer and the roadside communication unit, and the specific processing process comprises the following steps:
the vehicle insurance provider selects the recent t moment and inquires the random number r selected at the moment t An ith data item of the 6 data items is selected. The vehicle insurance provider sends t and r t And the ID and i are given to the 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 moment i.
The roadside communication unit monitors data such as the running speed and acceleration of the vehicle in real time and performs short-term backup, and records backup data b= { b at t time t,1 ,b t,2 ...b t,6 Obtaining the ith data item as b t,i 。
The vehicle shares real plaintext data d= { d recorded by the roadside communication unit at t moment to the roadside communication unit t,1 ,d t,2 ...d t,6 Obtaining the ith data item as d t,i 。
The roadside communication unit reads encrypted ciphertext data h at t moment on the blockchain t ={h t,1 ,h t,2 ...h t,6 Generating element g and big prime number p, verifying data item h t,i 。
Roadside communication Unit will b
t,i 、d
t,i And h
t,i Three data items are compared and if the equation
If so, determining that the driving data of the data item of the vehicle at the time i is true; if b
t,i And d
t,i And if the difference value between the two data items is larger than a certain threshold value, recognizing that the driving data of the data item of the vehicle at the time i is tampered and then used as a certificate, and uploading a verification result of the driving data of the data item of the vehicle at the time i to the blockchain by the roadside communication unit.
The record of the times that the backup vehicle is tampered by the roadside communication unit during driving on the blockchain comprises the times that the roadside communication unit applies for verification, the times that the data is tampered, the times that the data is not tampered and the times that the vehicle is not responded.
The processing procedure for realizing the multi-party vehicle insurance merchant cross-chain bidding by combining the cross-chain technology provided by the embodiment of the invention comprises the following steps:
and the vehicle insurance manufacturer takes the record of the roadside communication unit auxiliary detection data tampering as the reference data of the vehicle insurance pricing. And a plurality of other car insurance merchants in the system inquire the account address of the car owner and frequently synchronize the driving data records, and the car insurance merchants actively negotiate with the car owner to try to promote the car insurance business of the company.
The vehicle insurance manufacturer initiates a request and applies for the aggregation of driving data to the target vehicle. The owner may send the data aggregate D to the vehicle insurance carrier. After the vehicle insurance merchant locally analyzes the driving data of the vehicle, the vehicle insurance amount is calculated, the vehicle insurance amount is issued to the intelligent contract on the blockchain platform used by the company of the vehicle insurance merchant, and the vehicle is informed to perform data verification on the blockchain.
And the vehicle autonomously and controllably transmits the data aggregate D of the driving history to a plurality of vehicle insurance providers, and then the vehicle insurance providers issue vehicle insurance quotations on the block chain platforms used by the vehicle insurance providers respectively for autonomous selection of the vehicle. The vehicle checks intelligent contracts on block chains corresponding to a plurality of car insurance providers to obtain a car insurance scheme and quotation.
In summary, according to the embodiment of the invention, the roadside communication unit is introduced to participate in the driving data tamper detection protocol, so that the 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 constructed by the invention can realize parallel customization of vehicle insurance by a plurality of insurers.
The invention designs a cross-chain customized car insurance system for connecting a plurality of car insurance provider blockchains so as to realize a safe and reliable public bidding mechanism. The blockchain crossing technology is introduced, data intercommunication and crossing tracing on a plurality of vehicle insurance chains are realized, a vehicle owner independently and controllably shares historical data on the blockchain to a designated vehicle insurance manufacturer safely, and the vehicle insurance manufacturer can expand single-chain vehicle insurance business to global crossing vehicle insurance business by adapting to crossing logic. Reliable execution of the blockchain-based intelligent contract ensures that the disclosure of the bidding process of the car insurance manufacturer is reliable. The transparent pricing scheme can effectively prevent the car insurance manufacturer from cheating car owners, and can promote accurate pricing of the car insurance industry.
The invention provides a zero knowledge proof data aggregation scheme suitable for cross-chain circulation, which can realize the aggregation of shared driving data of vehicles to vehicle insurance providers on the premise of protecting the privacy of the driving data of the vehicles. The scheme can support the roadside communication unit to detect data tampering, and can effectively prevent vehicles from maliciously forging driving records.
The invention introduces the roadside communication unit to test and verify the authenticity of the shared data of the vehicle, and effectively prevents the malicious vehicle from forging the low-risk driving data so as to reduce the vehicle risk cost. The roadside communication unit monitors the running state of the vehicle in real time, comprises the steps of acquiring data such as the speed and the acceleration of the vehicle, comparing the monitored data with data of the vehicle on-chain running data storage certificate, and recording the data forgery record of the vehicle so as to prevent the vehicle from maliciously falsifying the running data and reduce the vehicle insurance amount.
Those of ordinary skill in the art will appreciate that: the drawing is a schematic diagram of one embodiment and the modules or flows in the drawing are not necessarily required to practice the invention.
From the above description of embodiments, it will be apparent to those skilled in the art that the present invention may be implemented in software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, 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 method described in the embodiments or some parts of the embodiments of the present invention.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for apparatus or system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, with reference to the description of method embodiments in part. The apparatus and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
The present invention is not limited to the above-mentioned embodiments, and any changes or substitutions that can be easily understood by those skilled in the art within the technical scope of the present invention are intended to be included in the scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.