期刊
INTERNATIONAL JOURNAL OF INFORMATION SECURITY
卷 -, 期 -, 页码 -出版社
SPRINGER
DOI: 10.1007/s10207-023-00741-8
关键词
Cyber insurance; Blockchain; Smart contracts; Self-sovereign identity
Despite challenges such as lack of data, shortage of automated tasks, fraudulent claims, masquerading attackers, and cyber-security attacks on insurance companies, the article presents INCHAIN, an innovative architecture utilizing Blockchain technology to provide data transparency and traceability. The architecture includes Smart Contracts and Self-Sovereign Identity for automation and robust identification. The research demonstrates a novel and efficient solution to managing cyber insurance, successfully combating fraudulent claims and ensuring proper customer identification and authentication.
Despite the rapid growth of the cyber insurance market in recent years, insurance companies in this area face several challenges, such as a lack of data, a shortage of automated tasks, increased fraudulent claims from legal policyholders, attackers masquerading as legal policyholders, and insurance companies becoming targets of cybersecurity attacks due to the abundance of data they store. On top of that, there is a lack of Know Your Customer procedures. To address these challenges, in this article, we present INCHAIN, an innovative architecture that utilizes Blockchain technology to provide data transparency and traceability. The backbone of the architecture is complemented by Smart Contracts, which automate cyber insurance processes, and Self-Sovereign Identity for robust identification. The effectiveness of INCHAIN 's architecture is compared with the literature against the challenges the cyber insurance industry faces. In a nutshell, our approach presents a significant advancement in the field of cyber insurance, as it effectively combats the issue of fraudulent claims and ensures proper customer identification and authentication. Overall, this research demonstrates a novel and effective solution to the complex problem of managing cyber insurance, providing a solid foundation for future developments in the field.
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