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Insurance verified Verified Outcome TRL 9

High-Frequency E-commerce Return Insurance

domain Client: E-commerce Platforms / Vendors handshake Provider: ZhongAn Insurance schedule Deploy: 2014-Present
98 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: Very High

Executive Summary

ANALYST: COI RESEARCH

Development of a micro-insurance product integrated into the checkout of e-commerce platforms to cover return shipping costs, utilizing automated claims processing to handle billions of transactions.

rate_review Analyst Verdict

"The ultimate example of volume-based digital insurance. It solved a critical friction point in e-commerce (who pays for returns?) by automating the entire lifecycle. The sheer scale (billions of policies) proves the stability of their cloud-based core."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

In the early days of Chinese e-commerce, disputes over return shipping fees were the #1 cause of customer complaints, slowing down transaction volume and eroding trust. Traditional insurers could not handle the tiny premiums (<$0.50) and massive volume of claims without drowning in administrative costs.

psychology The Solution

Created a purely digital, embedded product offered at checkout. If a customer returns a product, the system tracks the logistics code. Once the package is verified as 'shipped' by the courier API, the insurance payout (covering the shipping fee) is triggered automatically to the customer's digital wallet. No human ever touches a claim.

settings_suggest Technical & Deployment Specs

Integrations
Logistics APIs, Payment Gateways
Deployment Model
Embedded API
Data Classification
Transaction Data
Estimated TCO / ROI
Transaction based
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Return Fraud Medium Big data user scoring (social credit).
System Load High Elastic cloud architecture.

trending_up Impact Trajectory

Audited value realization curve

Peak processing >100 million policies/day Verified Outcome
Primary KPI99% automated claims settlement
Audit CycleSignificant increase in merchant GMV

policy Compliance & Gov

  • Standards: CBIRC
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Transaction Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for E-commerce Platforms / Vendors without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-563
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-563

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