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CCUBI: A cross-chain based premium competition scheme with privacy preservation for usage-based insurance
International Journal of Intelligent Systems ( IF 5.0 ) Pub Date : 2022-09-02 , DOI: 10.1002/int.23053
Longyang Yi 1 , Yangyang Sun 1 , Bin Wang 1 , Li Duan 1 , Hongliang Ma 2 , Bin Wang 3 , Zhen Han 1 , Wei Wang 1
Affiliation  

Usage-based insurance (UBI) provides reasonable vehicle insurance premiums based on vehicle usage and driving behavior. In general, there are three major issues in realizing intelligent UBI systems. First, UBI evaluation mechanisms are not auditable to drivers. Insurers may thus deliberately adjust the UBI premiums. Second, the process of collecting driving data by insurers may lead to serious privacy breaches. Third, forging safer driving data for reducing insurance premiums may cause economic losses for insurers. To address these challenges, in this study, we propose CCUBI, a cross-chain-based premium competition scheme with privacy preservation for intelligent UBI systems. We introduce tamper-resistant blockchain and smart contracts to construct credible insurance mechanisms. The cross-chain technology connects these blockchains in the entire network to form an open premium competition scheme. Vehicle owners can assess designated insurers by sharing historical data with them to get a suitable CCUBI plan. In addition, we propose a data aggregation method used for CCUBI analysis with privacy preservation. Vehicle owners only publish proofs of the driving data. Proofs can still maintain privacy and computability in cross-chain flows. Finally, we adopt roadside units to detect forged driving data. We conduct a detailed security analysis. Experimental results also demonstrate the efficiency of CCUBI.

中文翻译:

CCUBI:一种基于跨链的保费竞争方案,为基于使用的保险提供隐私保护

基于使用情况的保险 (UBI) 根据车辆使用情况和驾驶行为提供合理的车辆保险费。总体而言,实现智能 UBI 系统存在三个主要问题。首先,UBI 评估机制对司机来说是不可审计的。因此,保险公司可能会故意调整 UBI 保费。其次,保险公司收集驾驶数据的过程可能会导致严重的隐私泄露。第三,为降低保险费而伪造更安全的驾驶数据可能会给保险公司带来经济损失。为了应对这些挑战,在本研究中,我们提出了 CCUBI,这是一种基于跨链的保费竞争方案,用于智能 UBI 系统的隐私保护。我们引入防篡改区块链和智能合约来构建可信的保险机制。跨链技术将全网的这些区块链连接起来,形成一个开放的奖品竞争方案。车主可以通过与他们共享历史数据来评估指定的保险公司,以获得合适的 CCUBI 计划。此外,我们提出了一种用于隐私保护的 CCUBI 分析的数据聚合方法。车主仅发布驾驶数据证明。证明仍然可以在跨链流程中保持隐私和可计算性。最后,我们采用路边单元来检测伪造的驾驶数据。我们进行了详细的安全分析。实验结果也证明了 CCUBI 的效率。我们提出了一种用于具有隐私保护的 CCUBI 分析的数据聚合方法。车主仅发布驾驶数据证明。证明仍然可以在跨链流程中保持隐私和可计算性。最后,我们采用路边单元来检测伪造的驾驶数据。我们进行了详细的安全分析。实验结果也证明了 CCUBI 的效率。我们提出了一种用于具有隐私保护的 CCUBI 分析的数据聚合方法。车主仅发布驾驶数据证明。证明仍然可以在跨链流程中保持隐私和可计算性。最后,我们采用路边单元来检测伪造的驾驶数据。我们进行了详细的安全分析。实验结果也证明了 CCUBI 的效率。
更新日期:2022-09-02
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