TW202319997A - Method for remote identity authentication and verification contract and apparatus thereof - Google Patents

Abstract

A method for remote identity authentication and verification contract includes: 1) a customer end logging in to a designated website to online fill in customer information and upload a designated file by a financial end; 2) the financial end using artificial intelligence technology to search for network data based on the customer information to generate a customer due diligence report and/or a suspected beneficial owner list; 3) the financial end informing the customer end of a verification contract time; 4) the financial end and the customer end confirming the identity of a legal or natural person through video communications on mobile devices; 5) if the customer end is the legal person, the financial end further confirming the identity of a person in charge through the video communications with the customer end on the mobile devices; 6) the financial end and the customer end performing a remote verification that can be carried out by multiple persons versus multiple persons in multiple segments through the video communications on the mobile devices; 7) the financial end and the customer end performing a remote contract through the video communications on the mobile devices; 8) after receiving a witnessed electronic document, the customer end printing out the witnessed electronic document to generate a paper document, affixing a seal to the paper document, scanning the sealed paper document to upload to the financial end, and sending the sealed paper document to the financial end.

Description

Method and equipment for long-distance identity authentication and security signing

The present invention relates to a method and equipment for identity authentication and signing of insurance, and in particular to a method and equipment for remote identity authentication and signing of insurance through the network.

In existing financial services, such as loans, purchase of wealth management or insurance products, etc., for security reasons, financial industry operators will require customers to go to the financial service counter or send business personnel to customers for identity authentication and insurance signing. However, recently affected by the new crown pneumonia epidemic, customers cannot go to the financial service counter in person, and financial business personnel cannot go to the customer to perform identity authentication and sign the insurance contract. Therefore, a remote identity authentication and contract insurance contract through the network is required. method and its equipment, and still achieve security considerations.

The purpose of the present invention is to propose a method and its equipment for remote identity authentication and insurance signing, through the network without the need for the customer to go to the financial service counter or send business personnel to the customer to perform identity authentication and insurance signing, and Security considerations can still be met.

In order to achieve the above purpose, the present invention proposes a method for remote identity authentication and insurance signing, including: 1) The client logs in to the designated website and fills in the customer information online and uploads the designated file of the financial terminal; 2) The financial terminal uses artificial intelligence to Technical search of network data to generate customer due diligence report and/or list of simulated real beneficiaries and store in the financial system; 3) financial terminal notifies client to check the time of guarantee; 4) financial terminal and client conduct audio-visual communication through mobile devices Confirm the identity of a legal person or a natural person; 5) If the client is a legal person, the financial terminal will further confirm the identity of the person in charge through audio-visual communication with the client through a mobile device; 6) The audio-visual communication between the financial terminal and the client through a mobile device can be performed by multiple people 7) The financial terminal and the client end perform remote signing through audio-visual communication through the mobile device; 8) The client receives the electronic document after the witness, prints out the paper document and uses the printed document. , and then scan and upload to the financial terminal, and send the printed paper document to the financial terminal. Among them, 4) The financial terminal and the client confirm the identity of the legal person or natural person through audio-visual communication through the mobile device, including: 4-1) The client holds the mobile device to run the client application program and take a photo of the original legal person registration certificate or natural person identity certificate ;4-2) The financial terminal holds the mobile device to run the financial terminal application program to receive the image sent by the client application program to record and take pictures; 4-3) The financial terminal mobile device transfers data from the financial terminal system to confirm the legal person registration certificate Or whether the original of the natural person's identity document is the same as the information provided by the government agency; if the client is a legal person, the financial side will further compare whether the seal is the same as the original seal of the bank. 5) If the client is a legal person, the financial terminal will further confirm the identity of the person in charge through audio-visual communication with the client through the mobile device, including: 5-1) The person in charge of the client runs the client application with the mobile device and takes pictures of himself. Compare the identity document with the person, and act according to the instructions of the financial terminal; 5-2) the financial terminal holds the mobile device to run the financial terminal application program to receive the image sent by the client application program to record and take pictures; 5-3) financial terminal The terminal tags and identifies information on the client personnel in the image according to the list of simulated actual beneficiaries, and the financial terminal application captures the location information of the client personnel based on the information of the client mobile device. 6) The financial terminal and the client end conduct audio-visual communication through the mobile device to perform remote protection that can be performed by multiple people on multiple segments, including: 6-1) The client personnel hold the mobile device to run the client application and take pictures of themselves , compare the identity documents with the person, and follow the instructions of the financial terminal; 6-2) The financial terminal holds the mobile device to run the financial terminal application program to receive the image sent by the client application program, record and take pictures, and the financial terminal The identification information of the client personnel in the image is tagged, and the financial terminal application captures the location information of the client personnel based on the information of the client mobile device. 7) The financial terminal and the client terminal perform remote signing through audio-visual communication through mobile devices, including: 7-1) The financial terminal provides online electronic documents and guide instructions, provides client review and electronic signature, and performs video recording when the customer electronically signs 7-2) After the signature of each electronic document is completed, the financial terminal will mark the digital evidence on the electronic document to generate the witnessed electronic document; 7-3) The financial terminal will email all the witnessed electronic documents to client.

The present invention also proposes a device for remote identity authentication and insurance signing, including at least one client mobile device, at least one financial terminal mobile device, and financial terminal host. The client mobile device includes a client login module, a client invitation module, a client communication module and a client disable module. The client login module is used to allow the user to use the client mobile device according to the account number and the one-time password. The client invitation module is used for reservation and invitation management for guaranteed time. The client communication module is used for audio-visual communication with financial terminal mobile devices. The client-side disabling module is used to prohibit recording, taking pictures and screenshots, and prohibiting any data from being saved on the mobile device. The financial terminal mobile device includes a financial terminal login module, a financial terminal invitation module, a financial terminal communication module, a financial terminal seal module, a financial terminal marking module, a financial terminal location module and a voice marking module. The financial terminal login module is used to allow users to use financial terminal mobile devices based on account numbers and one-time passwords. The financial terminal invitation module is used for the appointment and invitation management of guaranteed time. The financial terminal communication module is used for audio-visual communication with the client mobile device, and transmits the image to the financial terminal host. The financial terminal seal module is used to call out the bank's original seal from the financial terminal host for comparison by financial terminal mobile device users. The financial terminal marking module is used to mark identification information of the client personnel in the image according to the list of simulated substantial beneficiaries. The location module of the financial terminal is used to capture the client's personnel location information based on the information of the client's mobile device. The voice marking module is used to identify and mark specific voices in images. The financial terminal host includes a search module, a report module, a legal search module, an integration module and a digital evidence marking module. The search module is used to search web data through artificial intelligence technology based on customer information. The report module is used to generate a customer due diligence report and/or a list of simulated substantial beneficiaries based on the searched network information. The law check module is used to perform basic credit and money laundering prevention preliminary checks based on customer information. The integration module is used to integrate and organize the video and voice marks of the long-distance comparison between multiple people and segments. The digital evidence marking module is used to mark digital evidence on signed electronic documents to generate witnessed electronic documents.

In order to make the above and other objects, features and advantages of the present invention more comprehensible, preferred embodiments will be described in detail below together with the accompanying drawings.

Please refer to FIG. 1 . FIG. 1 is a structural diagram of a device for remote identity authentication and security signing according to an embodiment of the present invention. The equipment for remote identity authentication and insurance signing includes at least one client mobile device 1 , at least one financial terminal mobile device 2 and financial terminal host 3 . The client mobile device 1 and the financial terminal mobile device 2 are, for example, a mobile phone or a tablet computer with a camera lens, wherein each client mobile device 1 is installed with a client application program (Application, referred to as APP) and is controlled by the client personnel. Possession and use, each financial terminal mobile device 2 is installed with a financial terminal APP and is held and used by financial terminal personnel; the financial terminal host 3 is, for example, one or several server computers and is equipped with a financial terminal system. The client mobile device 1 , the financial terminal mobile device 2 and the financial terminal host 3 communicate with each other through the network 4 . In this embodiment, the client mobile device 1 and the financial terminal mobile device 2 can directly communicate with each other through peer-to-peer (P2P) encryption technology, without going through the financial terminal host 3, which can reduce the burden on the financial terminal host 3. load.

Please refer to FIG. 2 . FIG. 2 is a flow chart of a method for remote identity authentication and security signing in accordance with an embodiment of the present invention, which is applicable to the remote identity authentication and security signing device shown in FIG. 1 . Please refer to FIG. 1 and FIG. 2 at the same time. In this embodiment, the client is a corporate legal person, the financial end is a banker, and the financial end provides financial services for client loans. Client-side personnel include accountants, borrowers (generally, the person in charge of the company) and guarantors, and financial-side personnel may include business personnel and audit supervisors.

In step S11, the client logs in to the specified website to fill in the customer information and upload the specified file of the financial terminal online. In this embodiment, accountants on the client terminal log in to the designated web site of the financial terminal through any computer device (for example, including the client mobile device 1) to enter the corresponding webpage. The webpage will instruct the user to fill in customer information step by step and upload the designated file of the financial terminal. Among them, the customer information includes the name of the legal person, unified number, address, telephone number, etc. The designated file on the financial side includes a copy of the registration form for changes, and may further include a copy of the 401 statement, a copy of the passbook, and a 10% shareholder register as needed. After the financial terminal system receives the loan financial service application from the client, it will first conduct a preliminary review of basic credit and money laundering prevention through the Financial Joint Credit Reference Center based on the customer information, and the next step will proceed to the next step after passing the preliminary review.

In step S12, the financial terminal uses artificial intelligence (AI) technology to search for network data based on customer information to generate a customer due diligence (CDD) report and a suspected beneficial owner (SBO for short) report. ) list and stored in the financial terminal system. In this embodiment, the financial terminal system uses multiple independent application programming interfaces (application programming interface, referred to as API) to search the internal and external networks through AI technology in just a few minutes according to the unified number of customer information Data, and capture and analyze internal and external data to automatically generate CDD reports and SBO lists. Among them, the CDD report provides information such as the normal operation of the client company, import and export revenue, the number of insured persons/payment status, rejected bids and lawsuits, etc., and also marks the risks with colors to remind attention, and records any verification time one by one to meet legal requirements . The SBO list provides the equity static structure diagram generated by the shareholding relationship among all related companies of the client company, and calculates the one that directly or indirectly holds legal person shares or capital exceeds a preset ratio or holds the highest accumulated equity as the pseudo-substantial Beneficiary (SBO), to solve the financial industry's troubles in identifying the multi-level and complex equity of the real beneficiary. After the financial end system generates the CDD report and SBO list, the financial end personnel will read and judge that the customer is qualified before proceeding to the next step.

In step S13, the financial terminal notifies the client terminal of the guarantee time. In this embodiment, the financial terminal mobile device 2 held by the financial terminal personnel is installed with the financial terminal APP, which can run the financial terminal APP to send the reconciliation time to the client personnel. The client mobile device 1 held by the client personnel will be required to enter the corresponding webpage through the designated website of the financial terminal, for example, to download and install the client APP, and the client APP can be run to receive the guarantee time from the financial terminal. The financial terminal personnel and the client personnel can communicate with each other through the financial terminal mobile device 2 and the client mobile device 1 to make an appointment and invite a guarantee time.

In step S14, the financial terminal and the client terminal confirm the identity of the legal person through audio-visual communication through the mobile device. In this embodiment, step S14 includes steps S141-S143. In step S141, according to the guaranteed time, the financial terminal business personnel run the financial terminal APP on the financial terminal mobile device 2 to select the client accountant to perform audio-visual communication, and ask the client accountant to show the original of the legal person registration certificate. When the financial terminal and the client communicate through mobile devices, the financial terminal APP can provide text, pictures or videos to guide the financial terminal personnel on how to guide the client personnel to complete the required process, and the financial terminal personnel can also send Instructions such as text, pictures or videos are sent to the client APP, supplemented by verbal instructions to guide the client personnel to complete the required process. Accounting staff at the client terminal runs the client APP with the client mobile device 1 and takes a photo of the original copy of the legal person registration certificate. In step S142, the financial terminal business personnel hold the financial terminal mobile device 2 to run the financial terminal APP to receive the images sent by the client APP to record and take pictures and screenshots, for example, to record the whole process and take pictures and screenshots at specific times such as presenting the original of the legal person registration certificate. In particular, the client APP will control the client mobile device 1 to prohibit recording and taking pictures and screenshots, and only transmit images to the financial terminal APP, without saving any data on the client mobile device 1; the financial terminal APP will control the financial terminal mobile device 2Provide video and photo screenshots, but after the case is completed, the temporarily stored video and photo screenshots will be deleted after the temporary video and photo screenshots are transmitted to the financial system, or the temporarily stored videos will be automatically cleared after a limited period Take pictures and screenshots without saving any data on the mobile device; this can prevent data from being stolen or leaked. In step S143, the financial terminal business personnel hold the financial terminal mobile device 2 and run the financial terminal APP to retrieve the information found in step S12 from the financial terminal host computer 3, and confirm whether the original copy of the legal person registration certificate is the same as the information provided by the government agency; , also call out the bank's original seal data from the financial terminal host 3, and compare whether the seal on the original copy of the legal person registration certificate is the same as the bank's original seal. After the financial business personnel confirm that the original of the legal person registration certificate is the same as the information provided by the government agency, and compare the seal on the original legal person registration certificate with the bank’s original seal, the confirmation of the legal person’s identity will be completed before proceeding next step.

In step S15, the financial terminal and the client terminal confirm the identity of the person in charge of the legal person through audio-visual communication through the mobile device. In this embodiment, step S15 includes steps S151 to S153. In step S151, according to the guarantee time, the financial terminal business personnel runs the financial terminal APP on the financial terminal mobile device 2 and clicks on the person in charge of the client terminal to perform audio-visual communication, and asks the person in charge of the client terminal to show the original copy of the identification document. The person in charge of the client terminal runs the client APP with the client mobile device 1 and takes a picture of himself, compares himself with the identity document, and performs actions according to the instructions of the financial terminal business personnel. Perform actions in accordance with the instructions of the financial terminal business personnel, including posture changes or moving positions, read out the Chinese and English or numbers provided by the financial terminal, and provide real-time images of the company's house number, office or nearby street scenes according to the financial terminal's requirements, so that the financial terminal business personnel can confirm The identity and authenticity of the client principal. In step S152, the financial terminal business personnel hold the financial terminal mobile device 2 to run the financial terminal APP to receive the image sent by the client APP to record and take pictures and screenshots, for example, to record the whole process and compare it with the person in charge of the client terminal with his identity certificate, etc. Take screenshots at specific times. In step S153, the financial terminal business personnel mark identification information on the client personnel in the image according to the SBO list through the financial terminal APP, wherein the identification information includes the user name, identity and shareholding ratio of the mobile device 1 of the client terminal, so as to record and take photos These identifying information will appear when taking screenshots for subsequent processing and review. In addition, the financial terminal APP captures the location information of the client personnel based on the information of the client mobile device 1. The location information of the client personnel includes geographic latitude and longitude, predicted address, and Internet Protocol (IP) address for subsequent use. for digital evidence. The financial-side business personnel will not proceed to the next step until they have confirmed the identity of the person in charge of the legal person.

In step S16, the financial terminal and the client end perform audio-visual communication through the mobile device to implement remote protection that can be performed by multiple people segmented by multiple people. In this embodiment, step S16 includes steps S161-S163. In step S161, according to the guarantee time, the financial terminal business personnel hold the financial terminal mobile device 2 to run the financial terminal APP, and respectively click on the remote terminal personnel (in this embodiment, the borrower and the guarantor) related to the guarantee to conduct audio-visual communication , and require the relevant client personnel to produce the original identity documents. The client borrower and the guarantor respectively hold the client mobile device 1 to run the client APP and take pictures of themselves, compare their identity documents with themselves, and act according to the instructions of the financial-side business personnel, so that the financial-side business personnel can confirm the client The identity and authenticity of the borrower and guarantor. In one embodiment, the financial terminal business personnel can conduct video and audio communication with the client borrower and the guarantor respectively at different times. In another embodiment, the financial-side business personnel can communicate with the client borrower and the guarantor at the same time; the financial-side APP can provide various operation interfaces, such as full-screen display of a certain client personnel and quick switching of the screen to enable Switch to full-screen display of another client person, or split the screen to display some or all client personnel at the same time. In step S162, the financial terminal business personnel hold the financial terminal mobile device 2 to run the financial terminal APP to receive the images sent by the client APP to record and take pictures and screenshots, for example, to record the whole process and take pictures and screenshots at specific times. In step S163, the financial terminal business personnel mark the identification information of the client personnel in the image according to the SBO list through the financial terminal APP, so that the identification information will appear when recording and taking pictures and screenshots for subsequent processing and review. In addition, the financial terminal APP captures the location information of the client's personnel based on the information of the client's mobile device 1 for subsequent use as digital evidence. The financial end business personnel will not proceed to the next step until they have completed the remote confirmation of the identity of the client personnel related to insurance.

In step S17, the financial terminal and the client end perform video and video communication through the mobile device to perform remote signing. In this embodiment, step S17 includes steps S171 to S173. In step S171, the financial-side business personnel provide online electronic documents and guide instructions, provide client-side personnel (in this embodiment, the borrower and guarantor) related to remote signing for review and electronic signature, and record when the customer electronically signs Take photos and screenshots, such as video recording the whole process and take photos and screenshots at specific times such as the electronic signature of the client borrower and guarantor. In this embodiment, the online electronic files include loan contracts, IOUs and other electronic files such as PDF files. In step S172, after each electronic file is signed, the financial terminal APP marks digital evidence on the electronic file to generate a witnessed electronic file, wherein the digital evidence includes the name of the client personnel, geographic latitude and longitude, IP address, date and time, where Time includes hours, minutes and seconds. In step S173, the financial-side business personnel send all witnessed electronic files to the client-side personnel (such as client-side accounting personnel) by email.

In step S18, the client receives the witnessed electronic document, prints out the paper document and prints it, scans it and uploads it to the financial terminal, and sends the printed paper document to the financial terminal. In this embodiment, the accountant at the client terminal receives the electronic document after witnessing, prints out the paper document and asks the relevant client personnel (in this embodiment, the borrower and the guarantor) to print it. Then, the client personnel scan the printed paper documents into electronic files and upload them to the financial terminal system, and send the printed paper documents to the financial terminal business personnel. Finally, after receiving the printed paper documents, the financial-side business personnel will submit them after reviewing and submitting if there is no problem, so as to start the loan operation. In this embodiment, the supervisor of the financial terminal can hold the mobile device 2 of the financial terminal to run the APP of the financial terminal, and call out the whole process video in any step or the screenshot of the photo taken at a specific time from the financial terminal host 3 for review, and start the loan operation after the review has no problem . In addition, the audit supervisor of the financial terminal can also hold the mobile device 2 of the financial terminal to run the APP of the financial terminal to watch in any of the aforementioned steps.

Please refer to FIG. 3 . FIG. 3 is a flow chart of a method for remote identity authentication and security signing in accordance with another embodiment of the present invention, which is applicable to the remote identity authentication and security signing equipment shown in FIG. 1 . Please refer to FIG. 1 and FIG. 3 at the same time. In this embodiment, the client is a natural person, the financial end is an insurance company, and the financial end provides financial services for the client to purchase insurance products. Client-side personnel include proposers, and financial-side personnel include business personnel and audit supervisors. In addition, when the proposer and the insured are not the same person, the client personnel may also include the insured.

In step S21, the proposer of the client terminal logs into the designated website to fill in the customer information online and upload the designated file of the financial terminal. In step S22, the financial terminal system uses AI technology to search for network data based on customer information to generate a CDD report. In step S23, the financial terminal business personnel inform the client to insure the applicant and/or the insured of the insurance reconciliation time.

In step S24, the financial terminal business personnel and the client proposer and/or the insured confirm the natural person identity of the proposer and/or the insured through audio-visual communication between the financial terminal mobile device 2 and the client mobile device 1 . In this embodiment, step S24 includes steps S241-S243. In step S241, the client proposer and/or the insured hold the client mobile device 1 to run the client APP and take a photo of the original identity document of the natural person. In step S242, the financial terminal business personnel hold the mobile device 2 of the financial terminal to run the financial terminal APP to receive the image sent by the client APP to record and take pictures and screenshots. In step S243, the financial terminal mobile device 2 calls out data from the financial terminal host computer 3 to confirm whether the original copy of the natural person's identity document is the same as the information provided by the government agency.

In step S25, the business personnel at the financial end and the applicant and/or the insured at the client end carry out audio-visual communication with the mobile device 2 at the financial end and the mobile device 1 at the client end, and execute the remote pairing insurance that can be carried out by multiple people on multiple segments. . In this embodiment, step S25 includes steps S251-S253. In step S251, the client proposer and/or the insured run the client APP on the client mobile device 1 and take a picture of themselves, compare their identity documents with themselves, and act according to the instructions of the financial service personnel. In step S252, the financial terminal business personnel hold the mobile device 2 of the financial terminal to run the financial terminal APP to receive the image sent by the client APP to record and take pictures and screenshots. In step S253 , the financial terminal business personnel mark identification information on the client personnel in the image through the financial terminal APP, wherein the identification information includes the name and identity of the user of the client mobile device 1 . In addition, the financial terminal APP captures the location information of the client personnel according to the information of the client mobile device 1 .

In step S26, the financial terminal business personnel and the client proposer and/or the insured carry out audio-visual communication with the client terminal mobile device 1 through the financial terminal mobile device 2 to perform remote signing. In this embodiment, step S26 includes steps S261-S263. In step S261, the financial side business personnel provide online electronic documents and guide instructions, provide client proposers and/or insureds to review and electronically sign, and record and take pictures when customers sign electronically. In step S262, after each electronic file is signed, the financial terminal business personnel mark digital evidence on the electronic file to generate a witnessed electronic file. In step S263, the financial-side business personnel send all witnessed electronic files to the proposer of the client by email.

In step S27, the client client wants the guarantor to receive the witnessed electronic document, print out the paper document and print it, then scan and upload it to the financial terminal system, and send the printed paper document to the financial terminal business personnel. Finally, after receiving the printed paper documents, the financial-side business personnel will submit them after reviewing and submitting them if there is no problem, so as to start the effective operation of insurance products. In this embodiment, the supervisor of the financial terminal can hold the financial terminal mobile device 2 to run the financial terminal APP to call out the whole process video in any step or the screenshot of the photo taken at a specific time from the financial terminal host 3 for review, and start the insurance product after the review has no problem Active job. In addition, the audit supervisor of the financial terminal can also hold the mobile device 2 of the financial terminal to run the APP of the financial terminal to watch in any of the aforementioned steps.

Please refer to FIG. 4 . FIG. 4 is a specific structural diagram of a device for remote identity authentication and security signing according to an embodiment of the present invention. The client mobile device 1 includes a client login module 10 , a client invitation module 11 , a client communication module 12 , a client disabling module 13 and a client multilingual module 14 . The client login module 10 is used for allowing the user to use the client mobile device 1 according to the account number and one-time password (OTP for short). The client invitation module 11 is used for reservation and invitation management of guaranteed time. The client communication module 12 is used for audio-visual communication with the mobile device 2 of the financial terminal. The client-side disabling module 13 is used for prohibiting video recording and taking pictures and screenshots, and prohibiting any data from being stored on the client-side mobile device 1 . The client multilingual module 14 is used to provide corresponding language operation interface according to the settings of the client personnel.

The financial terminal mobile device 2 includes a financial terminal login module 20, a financial terminal invitation module 21, a financial terminal communication module 22, a financial terminal seal module 23, a financial terminal marking module 24, a financial terminal location module 25, and a voice mark Module 26, Case Closing Module 27, Clearing Module 28 and Financial Terminal Multilingual Module 29. The financial terminal login module 20 is used to allow the user to use the financial terminal mobile device 2 according to the account number and OTP. The financial terminal invitation module 21 is used for reservation and invitation management of guaranteed time. The financial terminal communication module 22 is used for audio-visual communication with the client mobile device 1 and transmits the image to the financial terminal host 3 . The financial terminal seal module 23 is used to call out the bank's original seal from the financial terminal host 3 for comparison by the user of the financial terminal mobile device 2 . The financial terminal marking module 24 is used to mark identification information on the client personnel in the image according to the SBO list. The financial terminal location module 25 is used to capture the location information of the client personnel according to the information of the client mobile device 1 . The voice marking module 26 is used for identifying and marking the specific voice in the video. The case-closing module 27 is used to transmit the temporarily stored video and photo screenshots to the financial terminal host 3 after the case is completed and delete the temporarily stored video and photo screenshots. The emptying module 28 is used to automatically clear the temporarily stored videos and screenshots after a limited period (for example, 12 hours). The financial terminal multilingual module 29 is used to provide corresponding language operation interface according to the setting of financial terminal personnel.

The financial terminal host 3 includes a search module 30 , a report module 31 , a legal investigation module 32 , an integration module 33 , a digital evidence marking module 34 , a database module 35 and a deletion module 36 . The search module 30 is used for searching network data through AI technology according to customer information. The report module 31 is used to generate a CDD report and/or an SBO list according to the searched network data. The legal investigation module 32 is used to perform basic credit and money laundering prevention preliminary inspection based on customer information. The unification module 33 is used for unifying and arranging the images and voice marks of the long-distance matchup performed by multiple people on multiple segments. The digital evidence marking module 34 is used to mark digital evidence on the signed electronic file to generate a witnessed electronic file. The database module 35 is used for storing case data. The deletion module 36 is used to automatically delete all the data of the case after a certain period of time (for example, 5 years for loan financial services, and 1 year for purchase of wealth management or insurance product financial services) after the termination of the case contract.

Although the present invention has been disclosed above with preferred embodiments, it is not intended to limit the present invention. Any person skilled in the art may make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the present invention The scope of protection shall prevail as defined by the scope of the attached patent application.

1: client mobile device 10: Client login module 11: Client invitation module 12: Client communication module 13: The client disables the mod 14: Client multi-language module 2: Financial terminal mobile device 20: Financial terminal login module 21: Financial terminal invitation module 22: Financial terminal communication module 23:Financial signature module 24:Financial Terminal Marking Module 25:Financial terminal location module 26:Voice mark module 27: Case Closing Module 28: Empty the module 29: Financial terminal multi-language module 3: Financial terminal host 30: Search Module 31:Report Module 32: Facha Module 33: Integrated Module 34:Digital Evidence Marking Module 35:Database module 36:Delete module 4: Network S11～S18, S141～S143, S151～S153, S161～S163, S171～S173: each step of the method for remote identity authentication and insurance signing in an embodiment of the present invention S21～S27, S241～S243, S251～S253, S261～S263: each step of the method for remote identity authentication and insurance signing in another embodiment of the present invention

FIG. 1 is a structural diagram of a device for remote identity authentication and contracting for insurance according to an embodiment of the present invention; FIG. 2 is a flow chart of a method for remote identity authentication and contracting for insurance according to an embodiment of the present invention; FIG. 3 is a flow chart of a method for remote identity authentication and signing of insurance contracts according to another embodiment of the present invention; and FIG. 4 is a specific structural diagram of a device for remote identity authentication and security signing according to an embodiment of the present invention.

S11~S18, S141~S143, S151~S153, S161~S163, S171~S173: each step of the method for remote identity authentication and insurance signing in an embodiment of the present invention

Claims (10)

A method for remote identity authentication and insurance signing, comprising: 1) The client logs in to the specified website to fill in the customer information and upload the specified file on the financial terminal; 2) The financial terminal uses artificial intelligence technology to search for network information based on customer information to generate a customer due diligence report and/or a list of simulated actual beneficiaries and store it in the financial terminal system; 3) The financial terminal notifies the client of the guarantee time; 4) The financial terminal and the client terminal confirm the identity of the legal person or natural person through audio-visual communication through the mobile device, including: 4-1) The client runs the client application with a mobile device and takes a photo of the original legal person registration certificate or natural person identity certificate; 4-2) The financial terminal holds the mobile device to run the financial terminal application program to receive the image sent by the client application program for recording and taking pictures; 4-3) The mobile device of the financial terminal transfers the information from the financial terminal system to confirm whether the original copy of the legal person registration certificate or the natural person identity certificate is the same as the information provided by the government agency; if the client is a legal person, the financial terminal will further compare Whether the seal is the same as the original seal retained by the bank; 5) If the client is a legal person, the financial terminal will further confirm the identity of the person in charge through audio-visual communication with the client through the mobile device, including: 5-1) The person in charge of the client terminal runs the client application program with a mobile device and takes a photo of himself, compares himself with his identity document, and follows the instructions of the financial terminal; 5-2) The financial terminal holds the mobile device to run the financial terminal application program to receive the image sent by the client application program for recording and taking pictures; 5-3) The financial terminal marks the identification information of the client personnel in the image according to the list of simulated actual beneficiaries, and the financial terminal application captures the location information of the client personnel based on the information of the client mobile device; 6) The financial terminal and the client terminal conduct audio-visual communication through the mobile device to perform remote protection that can be carried out by multiple people on multiple segments, including: 6-1) The client personnel run the client application with their mobile devices and take pictures of themselves, compare their identity documents with themselves, and follow the instructions of the financial terminal; 6-2) The financial terminal holds the mobile device to run the financial terminal application program to receive the image sent by the client application program to record and take pictures and screenshots. The financial terminal marks the identification information of the client personnel in the image, and the financial terminal application program follows the client's actions. The information of the device captures the location information of the client personnel; 7) The financial terminal and the client end perform remote signing through audio-visual communication through mobile devices, including: 7-1) The financial terminal provides online electronic documents and guide instructions, provides client-side review and electronic signature, and takes video and photo screenshots when the customer electronically signs; 7-2) After the signature of each electronic document is completed, the financial terminal marks the digital evidence on the electronic document to generate a witnessed electronic document; 7-3) The financial terminal sends all witnessed electronic documents to the client by email; 8) The client receives the electronic document after witnessing, prints out the paper document and prints it, then scans and uploads it to the financial terminal, and sends the printed paper document to the financial terminal. The method for remote identity authentication and insurance signing as described in claim 1, wherein the action according to the instructions of the financial terminal includes changing posture or moving the position, reading out the Chinese and English or numbers provided by the financial terminal, and providing company information according to the requirements of the financial terminal. Live images of house numbers, offices, or nearby street views. The method for remote identity authentication and contract signing as described in claim item 1, wherein, if the client is a legal person, the identification information includes the name, identity and shareholding ratio of the client mobile device user; if the client is a natural person, The identification information includes the name and identity of the user of the client mobile device. The method for remote identity authentication and security signing as described in Claim 1, wherein the client location information includes geographic latitude and longitude, predicted address, and IP address. The method for remote identity authentication and guarantee signing as described in Claim 1, wherein the online electronic documents include a loan contract and an IOU. The method for remote identity authentication and security signing as described in Claim 1, wherein the digital evidence includes the client's name, geographic latitude and longitude, IP address, date and time, wherein the time includes hours, minutes and seconds. The method for remote identity authentication and security signing as described in claim 1, wherein the client application program prohibits video recording and taking pictures and screenshots, and only transmits images to the financial application program without storing any data in the mobile device. The method for remote identity authentication and insurance signing as described in claim item 1, wherein the financial terminal application program provides video recordings and photo captures, and after the case is completed, the temporarily stored video recordings and photographic screenshots are transmitted to the financial terminal system. Delete temporarily stored videos and photo screenshots, or automatically clear temporarily stored videos and photo screenshots after a limited period, without saving any data on the mobile device. A device for remote identity authentication and contract signing, including at least one client mobile device, at least one financial terminal mobile device, and a financial terminal host; wherein, The client mobile device includes a client login module, which is used to allow users to use the client mobile device according to the account number and one-time password; a client invitation module, which is used for reservation and invitation management of guaranteed time ; A client communication module, used for audio-visual communication with the mobile device of the financial terminal; a client disable module, used to prohibit video recording and taking pictures and screenshots, and prohibit saving any data on the mobile device; The financial terminal mobile device includes a financial terminal login module, which is used to allow users to use the financial terminal mobile device according to the account number and one-time password; a financial terminal invitation module, which is used for reservation and invitation management of guaranteed time ; a financial terminal communication module, used for audio-visual communication with the mobile device of the client terminal, and transmitting the image to the financial terminal host; a financial terminal seal module, used to call out the bank's original seal from the financial terminal host, For comparison by the mobile device user of the financial terminal; a financial terminal marking module, used to mark the identification information of the client personnel in the image according to the list of simulated actual beneficiaries; a financial terminal location module, used to act according to the client terminal The information of the device captures the location information of the client personnel; a voice marking module, which is used to identify and mark specific voices in the image; and The financial terminal host includes a search module, which is used to search network data through artificial intelligence technology based on customer information; a report module, which is used to generate customer due diligence reports and/or simulate actual benefits based on the searched network data List of persons; a legal investigation module, which is used to perform basic credit and money laundering prevention preliminary inspection based on customer information; a unified module, which is used to integrate and sort out the images and voices of long-distance security checks carried out by multiple people on multiple segments Marking; a digital evidence marking module, which is used to mark digital evidence on signed electronic documents to generate witnessed electronic documents. The device for remote identity authentication and security signing as described in claim 9, wherein, The financial terminal mobile device also includes a case closing module, which is used to transmit temporarily stored video and photo screenshots to the financial terminal host and delete temporarily stored video and photo screenshots after the case is completed; Automatically clear temporarily stored videos and screenshots after a limited period; and The financial terminal host also includes a database module for storing case data; a deletion module for automatically deleting all case data after a specific time after the termination of the case contract.

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