DE102019104025A1 - Method and system for carrying out an insurance transaction - Google Patents

Abstract

The invention relates to a method for carrying out an insurance transaction, in which a mobile terminal is provided (S1), - an insurance product desired by a customer is selected (S2), - a identification document of the customer is provided (S5), - with the mobile Terminal (1) by photographing the ID document an ID card image file is created (S6), - the ID card image file to a server (4) is transmitted (S7), - automatically recognized by means of a text recognition software in the ID card image ID card data and (S8), - the ID card data is transmitted to the mobile terminal (1) (S10), - at least one pre-contractual document is provided on a website, - an e-mail is sent to the customer, which links to the website contains (S12), - a shipping confirmation is sent about the sending of this e-mail to the mobile terminal (1), and- in response to the shipping confirmation, a subsch riftsfeld on the display (2) of the mobile terminal (1) is displayed, in which the customer can sign to conclude a contract for the desired insurance product (S13). In addition, the invention relates to a system for carrying out the method.

Description

The invention relates to a method for carrying out an insurance transaction and to a system for carrying out such a method.

For contracts such as insurance contracts, it has been customary to have paper-based documents submitted and signed by hand.

However, in the light of the ever-increasing availability and use of electronic infrastructure including mobile devices such as smartphones, smartwatches or tablets, as well as the high availability of wired and wireless communication networks, there is a growing trend toward paper-based operations purely electronic settlement to relocate.

Based on this, it is an object of the present invention to provide a method by which an insurance transaction can be carried out in a purely electronic manner in compliance with legal requirements.

• - ein mobiles Endgerät, insbesondere Smartphone oder Tablet, mit einer mobilen Applikation zum Abschluss eines Versicherungsvertrages bereitgestellt wird,
• - über das Display des mobilen Endgerätes ein von einem Kunden gewünschtes Versicherungsprodukt in einem Auswahlmenü der mobilen Applikation auswählt wird,
• - wenigstens ein Ausweisdokument des Kunden, insbesondere ein Personalausweis oder Pass, bereitstellt wird,
• - mit dem mobilen Endgerät durch Abfotografieren des wenigstens einen Ausweisdokumentes wenigstens eine Ausweis-Bilddatei erstellt wird,
• - die wenigstens eine Ausweis-Bilddatei bevorzugt verschlüsselt an einen Server insbesondere der das gewünschte Versicherungsprodukt bereitstellenden Versicherungsgesellschaft übertragen wird,
• - mittels einer Texterkennungssoftware in der wenigstens einen Ausweis-Bilddatei in Form von Text enthaltene Ausweis-Daten, die zumindest eine auf dem Ausweisdokument angegebene Ausweisnummer und eine auf dem Ausweisdokument angegebene Adresse umfassen, automatisiert erkannt und ausgelesen werden,
• - die ausgelesenen Ausweis-Daten bevorzugt verschlüsselt an das mobile Endgerät übertragen und insbesondere über die mobile Applikation angezeigt und bevorzugt überprüft und bei Bedarf über das Display des mobilen Endgerätes korrigiert werden,
• - auf einer über einen Web-Browser zugänglichen Internetseite wenigstens ein vorvertragliches Dokument bereitgestellt wird, das zu dem von dem Kunden gewünschten Versicherungsprodukt gehört und zumindest einen Teil der Ausweis-Daten umfasst und das nur über Eingabe der Ausweisnummer als Passwort zugänglich ist,
• - eine E-Mail an eine Mail-Adresse des Kunden gesendet wird, die einen Link zu der Internetseite mit dem wenigstens einen vorvertraglichen Dokument und insbesondere einen Hinweis, dass als Passwort die Ausweisnummer gesetzt ist, enthält,
• - eine Versandbestätigung über den Versand dieser E-Mail von dem Server insbesondere der Versicherungsgesellschaft an das mobile Endgerät gesendet wird, und
• - in Reaktion auf die Versandbestätigung von der mobilen Applikation ein Unterschriftsfeld auf dem Display des mobilen Endgerätes angezeigt wird, in welchem der Kunde mit einem Finger und/oder einer stiftartigen Eingabehilfe unterschreiben kann, um einen Vertrag über das gewünschte Versicherungsprodukt abzuschließen.

This object is achieved by a method for carrying out an insurance transaction, in particular for concluding an insurance contract, in which

• a mobile terminal, in particular a smartphone or tablet, is provided with a mobile application for concluding an insurance contract,
• on the display of the mobile terminal, an insurance product desired by a customer is selected in a selection menu of the mobile application,
• - at least one identification document of the customer, in particular an identity card or passport, is provided,
• - With the mobile terminal by photographing the at least one ID document at least one ID card image file is created,
• the at least one ID card image file is preferably transmitted in encrypted form to a server, in particular of the insurance company providing the desired insurance product,
• identification card data contained in the at least one ID card image file in the form of text, which comprise at least one ID number specified on the ID card and an address specified on the ID card, are automatically recognized and read out by means of text recognition software;
• the read-out identity data preferably encrypted transmitted to the mobile terminal and displayed in particular via the mobile application and preferably checked and corrected if necessary on the display of the mobile terminal,
• at least one pre-contractual document is provided on a web page accessible via a web browser, which belongs to the insurance product desired by the customer and comprises at least a part of the passport data and which is accessible only as password by entering the passport number,
• - an e-mail is sent to a mail address of the customer containing a link to the website with the at least one pre-contractual document and in particular an indication that the ID number is set as password,
• a shipping confirmation about the sending of this e-mail is sent from the server, in particular the insurance company, to the mobile terminal, and
• - In response to the shipping confirmation of the mobile application, a signature field is displayed on the display of the mobile terminal, in which the customer can sign with a finger and / or a pen-like input help to conclude a contract for the desired insurance product.

With the method according to the invention, it is possible for a contract for an insurance product, for example a purchase price insurance or value-added cover for a motor vehicle, to be automated in a highly electronic manner and to a high degree automated and thus particularly convenient for both a customer to be insured and a broker, such as a broker , is completed. This in compliance with both extensive, the insurer meeting information obligations to educate the customer, the associated information on a linked via e-mail website for easy access password protected and thus securely provided, and in compliance with data protection provisions.

In the present case, an encrypted transmission or transmission is to be understood as meaning a transmission of the relevant data with end-to-end encryption.

According to the invention, the termination process of an insurance product in a mobile application ("app") for a mobile terminal, such as a smartphone, is also abbreviated to a tablet computer or smartwatch designated tablet. On Insurance intermediaries, for example, can then select an insurance product desired by a customer solely using a mobile terminal, and then all steps required to reach a legally binding conclusion (in the sense of the VVG and data protection) are carried out electronically, to a large extent automated and particularly quickly.

The mobile terminal provided is preferably one of an intermediary on which a mobile application (app) set up for carrying out the inventive steps is stored. Accordingly, the provision of the mobile terminal in the context of the inventive method is preferably carried out by an intermediary, such as insurance brokers.

It can be provided that, in particular, before the selection of the desired insurance product, an identification of the intermediary, who mediates the desired insurance product to the customer, takes place, wherein the identification involves an input of a user name and / or a user password of the intermediary in the user interface of the mobile application includes the display of the terminal. The identification preferably remains valid for a certain time without re-registration.

The selection of the insurance product desired by a customer in a selection menu of the mobile application via the display of the mobile terminal is preferably carried out by an intermediary in the presence of the customer to be insured. The method according to the invention is correspondingly particularly preferably used for face-to-face sales situations.

The input of individual customer data required for the specific contract conditions and documents is also automated to a large extent according to the invention. This is achieved by simply photographing at least one identification document provided by the customer with the mobile terminal and automatically reading text contained therein.

For example, a customer simply holds an identification document to a broker and the broker photographs it with his mobile terminal. For example, if the card is a personal ID card, it is preferred to take a photo of both the front and back panels and send each photo as a badge image file to an automatic read server to obtain the customer's name and address, for example.

A lengthy and error-prone manual input of data by the customer and / or intermediary can be almost completely eliminated by using this technical method "taking pictures and reading".

The processing of the at least one ID card image file and / or all other personal data of the customer takes place in particular taking into account all data protection and data security guidelines to be met.

The storage of the at least one ID card image file on the server takes place, for example, in a form in which fields not required for concluding an insurance contract, such as the photo and / or a field intended for a company name, are blackened in order to meet high data protection requirements , It can also preferably be provided that, in particular automated by the mobile application, the at least one generated by photographing ID card image file is deleted from the mobile terminal after it has been transmitted to the server.

By photographing at least one identity document provided according to the invention, manual data entry can be restricted, for example, to the selection of a few tariff-specific parameters by the intermediary and a mail address to be specified by the customer and possibly bank details, which ensures a particularly convenient and less error-prone process. An embodiment of the method according to the invention is accordingly characterized in that a mail address of the customer and / or an IBAN of an account of the customer from which one or more premiums for the desired insurance product are to be debited, in the mobile application on the display of mobile terminal can be entered. Furthermore, it can be provided that, after the selection of the desired insurance product, tariff-relevant parameters are selected in a selection menu of the mobile application via the display of the mobile terminal, in particular by the intermediary.

Of course, it is also possible for a customer to provide a bank card, such as a debit card, in addition to, for example, an identity card and / or passport, and also photograph this with the mobile terminal in order to obtain the bank details, in particular IBAN and / or. or BIC automatically read out. This can then - in analogy to the reading of the ID card image file - on a server in particular of the insurer for preferably encrypted transmission to this done.

Preferably, the mobile application is designed such that it provides assistance for the Receiving suitable ID card image files and possibly further image files provides, for example on their user interface during the image display displays a frame within which one page of an ID document is centered, which in particular a suitable image detail and a suitable distance for the recording can be obtained, or The photographing person is instructed on triggering to keep the camera as quiet as possible or the like. In a further development of the method according to the invention, it is correspondingly provided that the photographing takes place within the user interface of the mobile application, whereby indications of the photographing process are given by the application, in particular instructions for camera positioning and / or removal are given and / or a frame is displayed becomes.

The obtained at least one ID card image file is preferably transmitted in encrypted form to a server, in particular of the insurance company providing the desired insurance product.

The transmission or transmission of the at least one ID card image file and possibly further image files from the mobile terminal to the server, in particular that insurance company, which offers the desired insurance product is carried out by electronic means using a communication network, such as a mobile network and / or a wireless and / or wired network connection, such as ISDN and / or DSL line. The transmission of the readout result back to the mobile terminal is preferably carried out in the same way.

The automated recognition and readout of texts in the at least one ID card image file is furthermore preferably carried out by means of an OCR and / or ICR software, that is to say an OCR and / or ICR program. The abbreviation OCR stands for "Optical Character Recognition" or optical character recognition. The abbreviation ICR stands for Intelligent Character Recognition. This newer type of text recognition provides particularly reliable results, characterized in particular by a success rate of the readout process of 97% or more.

The automated recognition and readout of text in the at least one ID card image file furthermore preferably takes place on the server to which the at least one ID card image file is or was transmitted, in particular by means of a text recognition program stored on the server.

The preferred name or surname, the address and the ID number are automatically recognized.

It can furthermore be provided that, following the reading out of the identification data, a plausibility and / or authenticity check of the identification data takes place. Read-in data are checked in particular for plausibility and / or an authenticity check of an identity document takes place. Should it emerge from such an examination that a provided identification document is faulty, this information is preferably transmitted to the mobile terminal, in particular the mediator, where a corresponding indication is discreetly given.

In the event that a validity end date specified on the at least one identity document is also recorded during the read-out, it may further be preferred to check whether the identity document expires in the near future, for example in the next four weeks or three months, or the identity document already has expired, and here, too, a corresponding message to the mobile device, in particular the intermediary are transmitted so that the agent can give the customer as a service a corresponding hint.

The result obtained by the automated read-out process of at least one ID card image file and possibly further image files is preferably transmitted back in structured form to the mobile terminal via a technical interface, this in turn preferably in encrypted form. The communication with the insurer's server preferably takes place via a real-time API (programming interface) and in particular using the modern REST architecture with JSON (Javascript Object Nation) as the data format. REST stands for Representational State Transfer.

On the mobile terminal, in particular the mediator, the read-out result of the at least one ID card image file can be optically displayed in the context of the user interface of the mobile applications. This can then be checked by the agent and / or customer and, if necessary, be corrected very easily and quickly by appropriate input via the display of the mobile terminal.

The readout result is enriched in a preferred embodiment by further data, such as a mail address and / or possibly manually entered bank data of the customer and a technical interface to a server, in particular the insurance company offering the selected insurance product, in particular a further server component of this preferably transmitted encrypted.

The enriched data, ie the data that was read from the card and possibly corrected and tariff-relevant data from the (manual) data input are in particular via the real-time API (programming interface in JSON (Javascript Object Nation) data format) sent to the server of the insurer , so that personalized, pre-contractual documents can preferably be created in pdf format and made available to the end customer via a password-protected website.

In order for a customer to be insured to receive access to pre-contractual data before signing, according to the invention an e-mail is sent to an e-mail address which contains a link, in particular a hyperlink, which leads to a special, individual page of a web application on which pre-contractual documents are password-protected. The password is a previously read out identification number of a provided identification document. This ensures that the two-way authentication required by data protection law is observed when sending personal data.

The server, in particular, of the insurance company providing the insurance product reports the successful sending of this e-mail to the mobile application on the mobile terminal, so that the intermediary knows that the person to be insured has received information to be provided prior to the conclusion of the contract, especially in their area of disposition are. Then signing the insurance contract can legally conclude. The customer to be insured can, in particular, provide a fully qualified electronic signature on the mobile terminal of the intermediary, for which a signature field is displayed on the display of the mobile terminal, in particular within the context of the user interface of the mobile application, on which the customer conveniently with a finger and / or a pen-like input device can sign.

In addition to or in the signature field, which may extend over only a part or the entire display of the mobile input device, an indication is given that the customer confirms with his signature that he has received the pre-contractual information and / or instructs the insurer to issue the insurance policy, ie the insurance policy, and to send it by e-mail or to allow access to it via a link sent via e-mail.

In response to the customer signing in the signature field and possibly clicking a "save" button, a signature confirmation on the signature service and / or a signature image file with the signature provided is preferably transmitted in encrypted form to a server, in particular the insurance company.

In response to the signature confirmation is then provided in a further advantageous embodiment on an accessible via a web browser website at least one belonging to the desired insurance product of the customer insurance certificate accessible only by entering the ID number as a password or a meantime changed by the customer himself password is. Furthermore, an e-mail is sent to a mail address of the customer, which contains a link to the website with the at least one insurance certificate and in particular an indication that the passport number or a password that has meanwhile been changed by the customer himself is set as the password. On the side, the customer can again access the card belonging to the attached insurance product only by entering the card number as a password or a password set by him in the meantime. The page with the insurance certificate may be the same page on which at least one pre-contractual document has already been provided password-protected for the customer in step h). The page may also be a customer portal of the insurer.

In particular, with the qualified digital signature and the shipping of the insurance policy, the insurance contract is legally valid.

A further subject of the present invention is a system for carrying out the method according to the invention, comprising a mobile terminal, in particular a smartphone or tablet, and at least one server or a server component, wherein the mobile terminal and the at least one server or the at least one server component for carrying out the Steps of the method according to the invention are designed and set up.

• 1 ein Tablet und einen Server in rein schematischer Blockdarstellung, und
• 2 ein Flussdiagramm zum Ablauf einer Ausführungsform des erfindungsgemäßen Verfahrens.

With regard to further advantageous embodiments of the invention, reference is made to the dependent claims and the following description of an embodiment with reference to the accompanying drawings. In the drawing shows:

• 1 a tablet and a server in a purely schematic block diagram, and
• 2 a flowchart for the sequence of an embodiment of the method according to the invention.

The 1 shows in a purely schematic block diagram a present case by a tablet 1 given mobile terminal of an insurance intermediary, not shown in the figure, the well-known manner a touch display 2 and a button underneath 3 having. More buttons of the tablet 1 are not shown in the figure. It is also a server 4 an insurance company, not shown, which offers products distributed by the intermediary.

The tablet 1 and the server 4 are connected via a communication network, in this case via the Internet, what in the 1 only purely schematically through a connecting line 5 is indicated. The connection is actually such that the tablet 1 is logged into a W-LAN of the insurance intermediary and via a DSL line via the Internet to the server 4 can communicate. Alternatively or additionally, the communication can also be carried out using a mobile network, for which the tablet 1 in a well-known manner is equipped with a SIM card.

Using the tablet 1 , an installed on this, not shown in the figures mobile application ("App") and the with the tablet 1 connected servers 4 It is possible to obtain legally binding conclusion of contracts for various insurance products (in the sense of the VVG and the Data Protection Act) electronically by carrying out the steps explained in more detail below. The insurance products may include, for example, purchase price insurance, surplus value, GAP cover for leasing and financing, installment and cost protection insurance.

If the intermediary encounters a customer who wants to complete an insurance product offered by him, for example in his business premises or in any other place, he places it in one step S1 (See the flow chart for the steps 2 ) his tablet 1 ready with the mobile application for the conclusion of an insurance contract and uses this.

In step S2 he chooses on the display 2 of the tablet 1 the insurance product desired by the customer in a selection menu of the mobile application. The desired product in the embodiment described here is a purchase price insurance.

In one step S3 In the app, the agent selects some tariff-specific parameters, such as the duration and whether the vehicle age falls below a certain limit.

In step S4 The customer calls the intermediary to be hedged purchase price, his e-mail address and bank details, specifically an IBAN of his account, through which the premiums for the desired insurance product to be paid and the broker (and / or the customer) is this data in the app Use of the touch display 2 of the tablet 1 on.

Subsequently, the customer puts in step S5 at least one identity document, in the present case his identity card, ready.

In step S6 and the broker photographs the front and back of the ID card with his tablet 1 using its camera function, whereby two badge image files, one from the front and one from the back of the identity card, are obtained. The mobile application is designed in such a way that it provides assistance for obtaining the ID card image files, specifically displays a frame on its user interface during the photo creation within which one side of the identity card is to be centered, whereby a suitable image section and a suitable distance for the recording will be received. Also, when the message is displayed, the camera so the tablet 1 keep as calm as possible.

The two badge image files obtained in this way will be in step S7 End-to-end encrypted to the server 4 the insurance company providing the desired insurance product via the Internet. The processing of the two ID card image files and all other personal data of the customer takes place in compliance with all applicable data protection and data security guidelines. The storage of the two badge image file on the server 4 takes place, for example, in a form in which fields not required for the conclusion of an insurance contract, such as the photograph and / or a field intended for a pseudonym, are blackened in order to meet data protection requirements.

In step S8 be using one on the server 4 stored text recognition program, which is in this case an ICR program (Intelligent Character Recognition), in the two ID card image files in the form of text contained ID card data, specifically the ID number specified on the ID card, the address of the customer and the expiration date of the identity card, automatically recognized and read out. The text recognition via ICR allows a success rate of the readout process of 97% or more.

Following the reading of the ID data in step S9 a plausibility and authenticity check of the ID card data. These are specifically tested for plausibility and there is an authenticity check of the identity card. Should it come out during the check that the provided ID card is faulty, this information will be sent to the tablet 1 transmitted by the intermediary and there is discreetly given a corresponding note in the app. It is also checked whether a expiration of the identity document is imminent or this has already expired, and also in this case, if so, an indication to the tablet 1 so that the intermediary can give the customer a service as a service.

In step S10 The result obtained by the automated reading process of the two ID card image files is sent to the tablet in structured form 1 via a technical interface, again in end-to-end encrypted form. For data transfer, a real-time REST API (programming interface) with JSON (Javascript Object Nation) as data format is used. On the tablet 1 the readout result is displayed in the context of the user interface of the mobile applications and checked by the agent and / or customer and, if necessary, by corresponding input via the display 2 of the tablet 1 corrected.

The readout result is enriched by further data, specifically the mail address and the manually entered bank data of the customer and in step S11 via a technical interface to the server 4 transmitted encrypted.

The enriched data, specifically the data from the ID card and the tariff-specific data from the data input are sent to the server via the real-time API in JSON data format 4 of the insurer, so that personalized, pre-contractual PDF documents can be created and made available to the end customer via a website password-protected.

In order for a customer to be insured to have access to the pre-contractual documents prior to signing, it will be in step S12 sends an e-mail to his e-mail address containing a hyperlink leading to a special, individual page of a web application on which pre-contractual documents are password-protected. As a password, the previously read out identification number of the provided identity card is set. This ensures that the two-way authentication required by data protection law is observed when sending personal data. The server 4 The insurance company reports the successful sending of this e-mail to the mobile application on the tablet 1 the intermediary sends concrete confirmation of a shipment, so that the intermediary knows that the person to be insured has received the information to be provided before the conclusion of the contract, they have in particular in their area of disposition.

In step S13 In response to the received shipping confirmation from the mobile application is a signature field on the display 2 of the tablet 1 displayed, in which the customer can sign with a finger and / or a pen-like input help to legally conclude the contract for the desired insurance product. Beside or in the signature field, which covers only a part or the entire display 2 of the tablet 1 In this case, an indication is given that the customer confirms with his signature that he has received the pre-contractual information and instructs the insurer to issue the insurance policy, ie the insurance policy and to allow access via a link sent via e-mail. The customer to be insured can receive a fully qualified electronic signature on the tablet 1 of the intermediary.

In step S14 the customer signs in the signature field and clicks a button "save" displayed for this purpose.

In step S15 is in response to the fact that the customer has signed in the signature field, a signature confirmation on the signature service and a signature image file with the signed signature to the server 4 the insurance company encrypted transfer.

In response to the signature confirmation will be in step S16 on the web page accessible via the web browser, on which the pre-contractual documents have already been made available, a belonging to the desired insurance product insurance certificate, which is again accessible only by entering the ID number as a password or a meantime by the customer himself changed password. A further e-mail is also sent to the customer's e-mail address, which contains a link to the website with the at least one insurance certificate and an indication that the passphrase is the password or a password that has since been changed by the customer himself , On the side, the customer can - again only by entering the ID number as a password or his own password - access to the associated insurance product belonging to the insurance certificate.

With the qualified digital signature and the dispatch of the insurance policy, the insurance contract has been validly concluded.

Using the method according to the invention, it is possible to conclude an insurance contract in a purely electronic manner and to a high degree automated and thus particularly convenient for both the customer to be insured and the intermediary. This in compliance with both extensive, the insurer meeting information requirements to educate the customer, as well as in compliance with data protection provisions.

It should be noted that the tablet 1 with the application installed on it and the server 2 with software installed thereon and configured and implemented for carrying out the steps described above, form an embodiment of a system according to the invention.

LIST OF REFERENCE NUMBERS

1

mobile terminal

2

display

3

stud

4

server

5

connecting line

S1-S16

step

Claims (12)

Procedure for carrying out an insurance transaction, in particular for concluding an insurance contract, in which a mobile terminal, in particular a smartphone or tablet (1), is provided with a mobile application for concluding an insurance contract (S1), - via the display (2) of the mobile terminal (1) a desired by a customer insurance product in a selection menu of the mobile application is selected (S2), at least one identification document of the customer, in particular an ID card or passport, is provided (S5), - With the mobile terminal (1) by photographing the at least one ID document at least one ID card image file is created (S6), - the at least one ID card image file is preferably transmitted in encrypted form to a server (4), in particular of the insurance company providing the desired insurance product (S7), identification card data contained in the at least one ID card image file in the form of text, which comprise at least one ID number specified on the ID card and an address specified on the ID card, are automatically recognized and read out (S8), the read-out identity data preferably encrypted transmitted to the mobile terminal (1) and displayed in particular via the mobile application and preferably checked and corrected if necessary via the display (2) of the mobile terminal (S10), at least one pre-contractual document is provided on a web page accessible via a web browser, which belongs to the insurance product desired by the customer and comprises at least a part of the passport data and which is accessible only as password by entering the passport number, an e-mail is sent to a mail address of the customer containing a link to the website with the at least one pre-contractual document, and in particular an indication that the ID number is set as the password (S12), - a shipping confirmation of the shipment of this e-mail from the server (4) in particular the insurance company to the mobile terminal (1) is sent, and - In response to the shipping confirmation of the mobile application, a signature field on the display (2) of the mobile terminal (1) is displayed, in which the customer can sign with a finger and / or a pen-like accessibility to a contract for the desired insurance product to complete (S13). Method according to Claim 1 , characterized in that, in particular, before the selection of the desired insurance product, an identification of the intermediary, who mediates the desired insurance product to the customer, the identification, an input of a user name and / or a user password of the intermediary in the user interface of the mobile application on the Display (2) of the terminal (1). Method according to one of the preceding claims, characterized in that a mail address of the customer and / or an IBAN of an account of the customer, from which one or more premiums for the desired insurance product are to be debited in the mobile application via the display (2 ) of the mobile terminal (1) are inputted (S4). Method according to Claim 3 , characterized in that the mail address of the customer and / or the IBAN of an account of the customer to a server (4) in particular of the insurance company is preferably transmitted encrypted, wherein the transmission of the mail address and / or IBAN preferably takes place together with the transmission of the read-out ID data. Method according to one of the preceding claims, characterized in that, after the selection of the desired insurance product, tariff-relevant parameters are selected in a selection menu of the mobile application via the display (2) of the mobile terminal (1) (S3). Method according to one of the preceding claims, characterized in that the photographing of the at least one identification document within the user interface of the mobile application takes place, wherein the application preferably gives hints for the Abfotografiervorgang, in particular instructions for camera pose and / or removal are given and / or a frame is displayed. Method according to one of the preceding claims, characterized in that the automated recognition and readout of text in the at least one ID card image file takes place by means of an OCR and / or an ICR program. Method according to one of the preceding claims, characterized in that the automated recognition and readout of text in the at least one ID card image file on the server (4) takes place, to which the at least one ID card image file was transmitted, in particular by means of one on the server stored text recognition program. Method according to one of the preceding claims, characterized in that following the reading of the identification data, a plausibility and / or authenticity check of the identification data takes place (S9). Method according to one of the preceding claims, characterized in that the customer signs in the signature field (S14) and in response, in particular encrypted transfer a signature confirmation and / or a signature image file with the signature provided to a server (4) in particular the insurance company becomes (S15). Method according to Claim 10 , characterized in that in response to the signature confirmation on a web page accessible via a web browser at least one belonging to the desired by the customer insurance product insurance certificate is provided, which is accessible only by entering the ID number as a password, and an e-mail to a mail address of the customer is sent, which contains a link to the website with the at least one insurance certificate and in particular an indication that is set as the passport ID card number (S17). System for carrying out the method according to one of the preceding claims, comprising a mobile terminal, in particular a smartphone or tablet (1), and at least one server (4) or a server component which is designed and set up to carry out the steps of the method according to one of the preceding claims are.

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