JP2004178424A - Method for issuing document, document issue system, asp service company system, and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a document issuing method capable of saving labor and time for demanding insurance and easily transmitting/receiving a document through a network even when the document is requiring a high security such as an insurance contract. <P>SOLUTION: An ASP service company system 100 transmits document data in which at least insurance contractor information and signature data for specifying an insurance contractor's terminal 300 are padded by secured printing technology to the insurance contractor's terminal 300. The insurance contractor's terminal 300 prints out the document data, describes prescribed items and transmits the described document data to an insurance company system 200. The insurance company system 200 reads out the document in which the prescribed items are written and transmits the read document to the ASP service company system 100, which verifies the signature data, detects the insurance contractor information and transmits the verified result and the detected result to the insurance company system 200. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention provides a form issuance method, a form issuance system, and an ASP (Application Service Provider) service company system for making an application for claiming life insurance using a form printed at home using secure print technology. , And related technologies.
[0002]
[Prior art]
Conventionally, when making a claim for insurance contracted for life insurance, etc., first obtain an insurance claim from an insurance company (branch, branch office), fill in the necessary items, and attach documents such as a medical certificate of a doctor Was required to be submitted. At this time, there are various methods for the policyholder to obtain application documents such as insurance claims, but for example, there is a method by mail.
[0003]
For example, if the insurance company's branch or branch office is away from the policyholder's location, as in the case of postal mail, for example, if the policyholder obtains an application form such as an insurance claim, the identity verification is required. The following procedure is taken.
(1) The insurance company sends identification documents to the contractor (mail)
(2) The contractor stamps it with the seal at the time of the insurance contract and returns it to the insurance company (mail)
(3) The insurance company sends the insurance claim to the contractor after comparing it with the contract seal and confirming agreement (by mail).
(4) The contractor fills in the necessary information on the insurance claim and sends it to the insurance company with attached documents such as a doctor's certificate (mail).
(5) The insurance company examines the submitted documents and, if there is no problem, deposits the insurance money into the designated account of the policyholder.
[0004]
As another method for a policyholder to obtain application documents such as insurance claims, there is a method using a network such as the Internet. Recently, a service has become available which allows various application forms (for example, a PDF file for application of a copy of a resident's card) to be downloaded from a designated Web site and printed by a printer at home.
[0005]
[Non-patent document 1]
"Booklet" Bookmark for Insurance Claims "(Automobile Liability Insurance, Automobile Insurance)"
(Http://www.sonpo.or.jp/publish/book_shiori.html)
[Non-patent document 2]
"Guidance of documents accompanying insurance claim"
(Http://www.kampo.go.jp/kanyu/information/t_5.html)
[0006]
[Problems to be solved by the invention]
However, the postal method is a problem because it takes a lot of time and effort to pay the insurance money. In addition, the method using a network does not allow the issuer (printing side) to be managed. As a result, in forms (such as insurance contracts) handled by the insurance industry, unauthorized use (for example, impersonating a contractor, It changes the beneficiary of the insurance money.) Therefore, at present, a method using a network is not accepted for such a form having high security.
[0007]
The present invention has been made in view of the above-mentioned problems of the conventional form issuing method, and an object of the present invention is to verify the identity of a policyholder and claim an insurance claim in a lump, thereby making it possible to claim an insurance claim. An object of the present invention is to provide a new and improved form issuing method, a form issuing system, an ASP service company system, and related technologies that can save labor and time.
[0008]
Further, another object of the present invention is to provide a new and improved form issuing method capable of easily exchanging a document such as an insurance contract which requires high security through a network. , A form issuing system, an ASP service company system, and related technologies.
[0009]
[Means for Solving the Problems]
In order to solve the above problems, according to a first aspect of the present invention, a form issuance for exchanging forms between an ASP service company system, an insurance company system, and an insurance contractor terminal connected to each other via a network. A method is provided (Claim 1). The form issuing method of the present invention is characterized by including at least the following steps.
-The ASP service company system provides insurance contracts with at least policyholder information for identifying the policyholder and signature data of the ASP service company in a substitute expression that cannot be read by a third party. Is transmitted to the user terminal (steps S104 to S108).
The insurance contractor terminal prints out the form data, writes predetermined data, and transmits the data to the insurance company system (steps S110 to S112).
The insurance company system reads the form on which the predetermined items are described, and transmits the form to the ASP service company system (steps S113 to S114).
The ASP service company system verifies the signature data, detects the policyholder information, and transmits the verification result and the detection result to the insurance company system (steps S115 to S119).
Note that, in the above, each step described in parentheses is merely a corresponding step in the embodiment described below for easy understanding, and the present invention is not limited to this.
[0010]
This method has the following excellent effects.
1. As a policyholder, the form data can be printed at the policyholder's terminal and used to claim an insurance claim, so there is no need to go through the steps of sending an identity confirmation → issuing a bill → sending a bill. ， Reduces labor and time. In addition, since the policyholder information is embedded in advance, it is possible to prevent a third party from impersonating.
2. The ASP service company can develop a new ASP service as a business by embedding and verifying policyholder information in the ASP service company system.
3. As an insurance company, it is possible to outsource the work of issuing and managing forms (including management of keys used at the time of embedding), and to reduce equipment introduction costs and running costs.
[0011]
In the form issuing method according to the first aspect of the present invention, the following application is possible.
[0012]
The ASP service company system may charge the insurance company system when transmitting the form data to the policyholder terminal.
[0013]
The ASP service company system may charge the insurance company system when transmitting the verification result of the signature data and the detection result of the policyholder information to the insurance company system (claim 3).
[0014]
The ASP service company system may embed the policyholder information and the signature data of the ASP service company in the form data after encrypting them. The security can be enhanced by encrypting the policyholder information and the signature data. In this case, the ASP service company system may charge the insurance company system when encrypting insurance contractor information and signature data of the ASP service company and managing the encryption key used for the encryption. Item 5).
[0015]
The substitute expression may be embedded in the form data using the secure print technology (claim 6), or may be embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code (claim). Item 7). With this configuration, the third party does not recognize what information is embedded. In particular, if the substitute expression is embedded using the secure print technology, the fact that the substitute expression is embedded is not recognized by a third party.
[0016]
According to a second aspect of the present invention, there is provided a form issuing method for exchanging forms between an insurance company system and a policyholder terminal connected via a network. A form issuing method according to the present invention includes at least the following steps (claim 8).
-The insurance company system is a policyholder terminal that inserts at least insurance policyholder information for identifying the policyholder and signature data of the insurance company in a substitute expression that cannot be read by a third party. (Steps S203 to S207).
The insurance contractor terminal prints out the form data, writes predetermined data, and transmits the data to the insurance company system (steps S208 to S210).
The insurance company system reads the form in which the predetermined items are described, verifies the signature data, and detects policyholder information (steps S211 to S216).
Note that, in the above, each step described in parentheses is merely a corresponding step in the embodiment described below for easy understanding, and the present invention is not limited to this.
[0017]
According to this method, the insurance contractor can print out the form data at the insurance contractor terminal and use it to claim the insurance money. It is not necessary to take steps, which saves labor and time. In addition, since the policyholder information is embedded in advance, it is possible to prevent a third party from impersonating.
[0018]
The following application is possible in the form issuing method according to the second aspect of the present invention.
[0019]
The insurance company system may embed the policyholder information and the insurance company signature data in the form data after encrypting them. The security can be enhanced by encrypting the policyholder information and the signature data.
[0020]
The substitute expression may be embedded in the form data using the secure print technology (claim 10), or may be embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code (claim). Item 11). With this configuration, the third party does not recognize what information is embedded. In particular, if the substitute expression is embedded using the secure print technology, the fact that the substitute expression is embedded is not recognized by a third party.
[0021]
According to a third aspect of the present invention, a form issuing system (10) for exchanging forms between an ASP service company system, an insurance company system, and a policyholder terminal connected to each other via a network is provided. Provided. A form issuing system according to the present invention includes the following components (claim 12).
The ASP service company system (100) is a form data in which at least policyholder information for identifying the policyholder and signature data of the ASP service company are embedded in a substitute expression that cannot be read by a third party. And an authentication server (120) for verifying signature data and detecting policyholder information.
The policyholder terminal (300) includes a printing unit (305) for printing the form data.
The insurance company system (200) includes reading means (225) for reading a form in which predetermined items are described.
In the above, each component described in parentheses is merely a component corresponding to an embodiment described below for easy understanding, and the present invention is not limited to this.
[0022]
According to such a system, the form issuing method according to the first aspect of the present invention, which has the above-described excellent effects, can be easily realized.
[0023]
The following application is possible in the form issuing system according to the third aspect of the present invention.
[0024]
The insurance company system may further include an information management server (220) for managing policyholder information for specifying the policyholder (claim 13). By managing the policyholder information in the insurance company system and not exchanging it via a network, it is possible to prevent the policyholder information from leaking outside.
[0025]
The ASP service company system may further include a first billing means for billing the insurance company system when transmitting the form data to the insurance contractor terminal (claim 14).
[0026]
The ASP service company system further includes a second charging unit for charging the insurance company system when transmitting the verification result of the signature data and the detection result of the policyholder information to the insurance company system. (Claim 15).
[0027]
The ASP service company system may embed the policyholder information and the signature data of the ASP service company in the form data after encrypting them. The security can be enhanced by encrypting the policyholder information and the signature data. In this case, the ASP service company system further includes a key database for managing keys used for encryption, and insurance policyholder information and signature data of the ASP service company. A third charging means for charging the company system may be provided (claim 17).
[0028]
The substitute expression may be embedded in the form data using the secure print technology (claim 18), or may be embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code (claim). Item 19). With this configuration, the third party does not recognize what information is embedded. In particular, if the substitute expression is embedded using the secure print technology, the fact that the substitute expression is embedded is not recognized by a third party.
[0029]
According to a fourth aspect of the present invention, there is provided a form issuing system (20) for exchanging forms between an insurance company system and a policyholder terminal connected via a network. A form issuing system according to the present invention includes the following components (claim 20).
An insurance company system (400) that creates form data in which at least policyholder information and signature data for identifying a policyholder are embedded in a substitute expression that cannot be read by a third party; (410), reading means (420) for reading a form in which predetermined items are described, and a verification server (430) for verifying signature data and detecting policyholder information.
The policyholder terminal (300) includes a printing unit (305) for printing the form data.
In the above, each component described in parentheses is merely a component corresponding to an embodiment described below for easy understanding, and the present invention is not limited to this.
[0030]
According to such a system, the form issuing method according to the second aspect of the present invention having the above-described excellent effects can be easily realized.
[0031]
The following application is possible in the form issuing system according to the fourth aspect of the present invention.
[0032]
The insurance company system may embed the policyholder information and signature data in the form data after encrypting them. The security can be enhanced by encrypting the policyholder information and the signature data. In this case, the insurance company system may further include a key database for managing keys used for encryption (claim 22).
[0033]
The substitute expression may be embedded in the form data using secure print technology (claim 23), or may be embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code (claim). Item 24). With this configuration, the third party does not recognize what information is embedded. In particular, if the substitute expression is embedded using the secure print technology, the fact that the substitute expression is embedded is not recognized by a third party.
[0034]
According to a fifth aspect of the present invention, there is provided an ASP service company system (100) for exchanging a form with an insurance company system and a policyholder terminal connected to each other via a network. An ASP service company system according to the present invention includes the following components (claim 25).
・ Create report data in which at least the policyholder information and signature data for identifying the policyholder (in response to a request from the insurance company system) are embedded in a substitute expression that cannot be read by a third party. Embedded server to do (110)
A verification server (120) for verifying the signature data (in response to a request from the insurance company system) and detecting policyholder information;
In the above, each component described in parentheses is merely a component corresponding to an embodiment described below for easy understanding, and the present invention is not limited to this.
[0035]
According to the ASP service company system, it is possible to easily construct the form issuing system method according to the third aspect of the present invention having the above-mentioned excellent effects, and further, the first aspect of the present invention having the above-mentioned excellent effects. The form issuing method according to the viewpoint can be easily realized.
[0036]
The following application is possible in the ASP service company system according to the fifth aspect of the present invention.
[0037]
Further, a first charging means for charging the insurance company system when transmitting the form data to the insurance contractor terminal may be provided (claim 26).
[0038]
Furthermore, a second charging unit for charging the insurance company system when transmitting the verification result of the signature data and the detection result of the policyholder information to the insurance company system may be provided. 27).
[0039]
The policyholder information and signature data may be encrypted and then embedded in the form data. The security can be enhanced by encrypting the policyholder information and the signature data. In this case, a key database for managing keys used for encryption and a second database for charging the insurance company system for encrypting insurance contractor information and signature data and managing the encryption keys used for encryption. A third charging means may be provided (claim 29).
[0040]
The substitute expression may be embedded in the form data using the secure print technology (claim 30), or may be embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code (claim 30). Item 31). With this configuration, the third party does not recognize what information is embedded. In particular, if the substitute expression is embedded using the secure print technology, the fact that the substitute expression is embedded is not recognized by a third party.
[0041]
According to another aspect of the present invention, there is provided a computer program for causing a computer to function as an embedded server of the ASP service company system (claim 32). According to another aspect of the present invention, there is provided a computer program for causing a computer to function as a verification server of the ASP service company system (claim 33). Here, the program may be described in any programming language. As a recording medium for recording a program, for example, a recording medium generally used as a recording medium on which a program can be recorded, such as a CD-ROM, a DVD-ROM, a floppy disk (FD), or a future recording medium. Any recording medium used can be employed.
[0042]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, preferred embodiments of a form issuing method, a form issuing system, and related inventions according to the present invention will be described in detail with reference to the accompanying drawings. In this specification and the drawings, components having substantially the same function and configuration are denoted by the same reference numerals, and redundant description is omitted.
[0043]
(First Embodiment)
As shown in FIG. 1, the form issuing system 10 according to the present embodiment includes an ASP service company system 100, an insurance company system (including branches, branch offices, etc.) 200, And a contractor terminal 300. FIG. 1 shows one ASP service company system 100, one insurance company system 200, and one policyholder terminal 300 for simplicity of description, but in an actual system, the ASP service company system 100 A plurality of insurance company systems 200 may exist. It is also clear that there are a very large number of policyholder terminals 300 in this system. Hereinafter, the system configuration will be described in detail.
[0044]
(ASP service company system 100)
As shown in FIG. 1, the ASP service company system 100 includes a secure print embedding server 110, a secure print verification server 120, and a key database 130.
[0045]
(Secure print embedded server 110)
The secure print embedding server 110 has a function of creating form data by embedding policyholder information for identifying a policyholder terminal, signature data of an ASP service company, and the like in form image data serving as a form base. Having. At this time, the data embedded in the form data is embedded in an expression that cannot be read by a third party (hereinafter, referred to as a “substitute expression”).
[0046]
Various methods and means can be used to create the substitute expression, but any expression may be used as long as the information to be printed cannot be read by a third party. For example, the substitute expression may be created using a barcode, a two-dimensional barcode, or a glyph code. However, when a substitute expression is created using a barcode, a two-dimensional barcode, or a glyph code, a third party cannot read the information visually, but it is known that some information exists there. Would. Therefore, it is more preferable that the substitute expression is created by a method in which not only the third party cannot read the information to be printed but also the third party cannot know the existence of the substitute expression itself. As such a method, there is a method of creating a substitute expression by using a digital watermark technique.
[0047]
Examples of a technique for embedding confidential information in a document using a digital watermark technique (referred to as a secure print technique) include, for example, a document (Japanese Patent Application No. 2001-217758 “A watermark information embedding apparatus and a watermark information detecting apparatus”, 2002-177086 "Watermark information embedding device and watermark information detecting device"). The watermark image embedding device disclosed in this document prepares a plurality of dot patterns in which the direction and / or wavelength of a wave is changed according to the arrangement of dots, gives one symbol to one dot pattern, and By arranging them in combination, confidential information is given to the document. In the present embodiment, the watermark information embedding device disclosed in this document can be used as the secure print embedding server 110, and the watermark image created from the print data by the device can be used as a substitute expression.
[0048]
Further, the secure print embedding server 110 has a function of encrypting embedded data (insurance contractor ID, date, etc.) with a common key, and a function of generating signature data. That is, the secure print embedding server 110 issues the issue number. Is set, and a corresponding common key is generated. Then, the common key is stored in the key database 130. Then, the embedded data (insurance contractor ID, date, etc.) is encrypted with the common key. Further, the secure print embedding server 110 stores the encrypted embedded data + issue number. And encrypts the hash with the secret key for the ASP service in the key database 130 to generate signature data.
[0049]
(Secure print verification server 120)
The secure print verification server 120 has a function of verifying the signature data embedded in the form data by the secure print embedding server 110 and detecting policyholder information.
[0050]
(Key database 130)
The key database 130 stores a secret key, a public key pair, and a common key for the ASP service in advance. The pair of the secret key and the public key is used for giving and verifying a signature by a so-called public key method. The common key is used for encrypting / decrypting data by a so-called common key method.
[0051]
(Charging means)
As described above, the ASP service company system 100 embeds and verifies various data in response to a request from the insurance company system 200. At this time, the ASP service company system 100 can include a charging unit for charging the insurance company system 200. The ASP service company system 100 can arbitrarily include charging means such as the following first, second, and third charging means.
(1) Charges for embedding data in form images
A first charging unit for charging the insurance company system 200 when transmitting the form image to the policyholder terminal 300
(2) Charge for verification of data embedded in the form image
A second charging unit for charging the insurance company system 200 when transmitting the verification result of the signature data and the detection result of the policyholder information to the insurance company system 200
(3) Billing for encryption and encryption key management
Third billing means for billing the insurance company system 200 when encrypting insurance contractor information and signature data and managing the encryption key used for the encryption.
[0052]
The configuration of the ASP service company system 100 has been described above.
Next, the configuration of the insurance company system 200 will be described.
[0053]
(Insurer system 200)
As shown in FIG. 1, the insurance company system 200 includes an information management server 210 and a form receiving terminal 220.
[0054]
(Information management server 210)
The information management server 210 has a function of managing policyholder information for issuing a form. The policyholder information includes a template of a form image of the insurance claim notification corresponding to each policyholder, an ID and a password for authenticating the policyholder online.
[0055]
(Form reception terminal 220)
The form receiving terminal 220 has a function of communicating with the policyholder terminal 300 and the ASP service company system 100 via a network. Specifically, the form receiving terminal 220 transmits the form image embedded by the secure print created by the ASP service company system 100 to the policyholder terminal 300. Further, the completed form mailed from the insurance contractor is scanned by the scanner 225 as a reading means, and the form image is transmitted to the ASP service company system 100. Further, the validity of the completed form transmitted from the ASP service company system 100 is confirmed. That is, the validity of the form is confirmed from the signature verification result, and the claimant is confirmed to be the contractor by checking the policyholder ID and the seal.
[0056]
The configuration of the insurance company system 200 has been described above.
Next, the configuration of the policyholder terminal 300 will be described.
[0057]
(Insurer terminal 300)
As shown in FIG. 1, the policyholder terminal 300 has a function of communicating with the ASP service company system 100 and the insurance company system 200 via a network. Specifically, the policyholder terminal 300 transmits an ID and a password for personal authentication to the insurance company system 200 and transmits a request for issuing a form such as an insurance claim report to the insurance company system 200.
[0058]
Further, the insurance company system 200 transmits a form image embedded by secure printing from the insurance company system 200. In the present embodiment, the case where the form image embedded by secure printing is transmitted from the ASP service company system 100 via the insurance company system 200 will be described. The system configuration may be adopted. The policyholder terminal 300 includes a printer 305 that is a printing unit. The printer 305 is used when printing a form image embedded by secure printing.
[0059]
The form issuing system 10 according to the present embodiment is configured as described above.
Next, the operation of the form issuing system 10 will be described in chronological order with reference to FIG.
[0060]
First, when a policyholder makes a claim, the policyholder terminal 300 accesses the insurance company system 200. First, an ID and a password for personal authentication are transmitted from the policyholder terminal 300 (step S101). Data for personal authentication is managed by the information management server 210 of the insurance company system 200. If the personal authentication is successful, the policyholder terminal 300 issues a request for issuing a form such as a claim report to the insurance company system 200 (step S102).
[0061]
Next, the insurance company system 200 requests the ASP service company system 100 to create a form image. The data that is the basis for creating the form image, that is, data such as the insurance claim template and the policyholder ID, is managed by the information management server 210. The insurance company system 200 transmits data for creating the form image to the ASP service company system 100 (step S103).
[0062]
In the ASP service company system 100, a form image is created through the following steps. First, the form image issuance No. Is set, and a corresponding common key is generated. Then, the common key is stored in the key database 130 (step S104). The embedded data (insurance contractor ID, date) is encrypted with the common key (step S105). Further, the encrypted embedded data + issue number. Is taken, the hash is encrypted with the ASP service secret key stored in the key database 130, and signature data is generated (step S106). Then, the encrypted embedded data, signature data, issue No. Is embedded in the form image by secure print (step S107).
[0063]
The ASP service 100 transmits the form image embedded by secure printing to the insurance company system 200 (Step S108). The insurance company system 200 transmits the form image embedded by the secure print to the policyholder 300 (step S109). In the present embodiment, the form image is transmitted from the ASP service company system 100 to the policyholder terminal 300 via the insurance company system 200, but is directly transmitted from the ASP service company system 100 to the policyholder terminal 300. The system configuration may be as follows.
[0064]
In the policyholder terminal 300, the form image embedded in the secure print sent from the insurance company system 200 (or sent from the ASP service company system 100) is printed by the printer 315 (step S110). The necessary items are written in the printed form (notification of insurance claim) by handwriting and stamped (step S111).
[0065]
Next, the policyholder mails the completed form and, if necessary, attached documents such as a medical certificate of a doctor to the insurance company (step S112).
[0066]
In the insurance company system 200, the filled-out form sent from the insurance contractor is scanned by the scanner 215 (step S113). Then, the form data is transmitted to the ASP service company system 100 in the form of image data (step S114). In this manner, the insurance company system 200 requests the ASP service company system 100 to detect data on the form image and verify the data.
[0067]
In the ASP service company system 100, first, from the filled-out form image, encrypted embedded data, signature data, issue No. Is taken out (step S115). Then, the encrypted embedded data + issue No. Is verified (step S116). In addition, the key database 130 issues the issue No. Is extracted (step S117), and the encrypted embedded data is decrypted with the common key (step S118).
[0068]
The ASP service company system 100 transmits the signature verification result and data such as the policyholder ID and date to the insurance company system 200 (step S119).
[0069]
In the insurance company system 200, the validity of the completed form is confirmed based on the verification result sent from the ASP service company system 100 and the like. That is, the validity of the form is confirmed from the signature verification result, and the insurance contractor ID and the seal are checked to confirm that the claimant is the contractor himself (step S120).
[0070]
As described above, the present embodiment has the following excellent effects.
1. As an insurance contractor, the form data can be printed on the insurance contractor terminal 300 and used to claim an insurance claim. Completed, saving labor and time. In addition, since the policyholder information is embedded in advance, it is possible to prevent a third party from impersonating.
2. As an ASP service company, by embedding and verifying policyholder information in the ASP service company system 100, a new ASP service can be developed as a business.
3. As an insurance company, it is possible to outsource the work of issuing and managing forms (including management of keys used at the time of embedding), and to reduce equipment introduction costs and running costs.
[0071]
In addition, by embedding policyholder information and signature data using secure print technology, not only is there no way for a third party to recognize what information is embedded, but also if these data are embedded. Is not recognized by a third party.
[0072]
Also, security can be enhanced by encrypting policyholder information and signature data.
[0073]
(Second embodiment)
The form issuing system 10 according to the first embodiment includes an ASP service company system 100, an insurance company system 200, and an insurance contractor terminal 300, as shown in FIG. In this embodiment, an embodiment in which the insurance company system has the functions of the ASP service company system will be described.
[0074]
As shown in FIG. 2, the form issuing system 20 according to the present embodiment includes an insurance company system (including a branch, a branch office, etc.) 400 and a policyholder terminal 300 connected to each other via a network. It becomes. FIG. 2 shows one insurance company system 400 and one policyholder terminal 300 for simplification of description, but a plurality of insurance company systems 400 may exist in an actual system. It is also clear that there are a very large number of policyholder terminals 300 in this system. Hereinafter, the system configuration will be described in detail.
[0075]
(Insurer system 400)
As shown in FIG. 2, the insurance company system 400 includes an insurance company server 410, an insurance company terminal 420, and an insurance company database 430.
[0076]
(Insurer server 410)
The insurance company server 410 has both the function of the secure print embedding server 110 of the ASP service company system 100 and the function of the information management server 210 of the insurance company system 200 in the first embodiment.
[0077]
To explain in order, first, the insurance company server 410 has the function of the secure print embedding server 110 of the ASP service company system 100 in the first embodiment. In other words, the insurance company server 400 has a function of embedding insurance contractor information for identifying an insurance contractor terminal, signature data, and the like in form image data serving as the basis of the form, and creating form data. At this time, the data embedded in the form data is embedded in a substitute expression that cannot be read by a third party. As a method of creating the substitute expression, as described above, a secure print technique may be used, or a barcode, a two-dimensional barcode, or a glyph code may be used.
[0078]
The insurance company server 410 has the function of the information management server 210 of the insurance company system 200 in the first embodiment. That is, the insurance company server 400 has a function of managing policyholder information for issuing a form. The policyholder information includes a template of a form image of the insurance claim notification corresponding to each policyholder, an ID and a password for authenticating the policyholder online.
[0079]
(Insurer terminal 420)
The insurance company terminal 420 has both the function of the secure print verification server 120 of the ASP service 100 and the function of the form reception terminal 210 of the insurance company system 200 in the first embodiment.
[0080]
To explain in order, first, the insurance company terminal 420 has the function of the secure print verification server 120 of the ASP service 100 in the first embodiment. That is, the insurance company terminal 420 has a function of verifying the signature data embedded in the form data by the insurance company terminal 420 and detecting insurance contractor information.
[0081]
The insurance company terminal 420 has the function of the form receiving terminal 210 of the insurance company system 200 in the first embodiment. That is, the insurance company terminal 420 has a function of communicating with the policyholder terminal 300 via the network. Specifically, the insurance company terminal 420 transmits the form image embedded with the secure print created by the insurance company server 410 to the insurance contractor terminal 300. Further, the completed form mailed from the insurance contractor is scanned by the scanner 425 serving as a reading means, and the form image is transmitted to the insurance company server 410. Further, the validity of the completed form transmitted from the insurance company server 410 is confirmed. That is, the validity of the form is confirmed from the signature verification result, and the claimant is confirmed to be the contractor by checking the policyholder ID and the seal.
[0082]
(Insurer database 430)
The insurance company database 430 stores a secret key, a public key pair, and a common key in advance. The secret key / public key pair is used for signature verification by a so-called public key method. The common key is used for encrypting / decrypting data by a so-called common key method. Further, the insurance company database 430 can also store data such as a form of a form image.
[0083]
In this embodiment, there is no concept of using the ASP service by the insurance company system 400, and therefore, unlike the first embodiment, there is no concept of a billing means.
[0084]
The configuration of the insurance company system 400 has been described above. Note that the configuration of the policyholder terminal 300 is substantially the same as that of the first embodiment, and a duplicate description will be omitted.
[0085]
The form issuing system 20 according to the present embodiment is configured as described above.
Next, the operation of the form issuing system 20 will be described in chronological order with reference to FIG.
[0086]
First, when a policyholder makes a claim, the policyholder terminal 300 accesses the insurance company system 400. First, an ID and a password for personal authentication are transmitted from the policyholder terminal 300 (step S201). Data for personal authentication is managed by the insurance company server 410 of the insurance company system 400. When the personal authentication is successful, the policyholder terminal 300 issues a request for issuing a form such as a claim report to the insurance company system 400 (step S202).
[0087]
The present embodiment is characterized in that data is embedded in a form image in the insurance company system 400. In the insurance company system 400, a form image is created through the following steps. First, the form image issuance No. Is set, and a corresponding common key is generated. Then, the common key is stored in the insurance company database 430 (step S203). The embedded data (insurance contractor ID, date) is encrypted with the common key (step S204). Further, the encrypted embedded data + issue number. Is taken, the hash is encrypted with the secret key stored in the insurance company database 430, and signature data is generated (step S205). Then, the encrypted embedded data, signature data, issue No. Is embedded in the form image retrieved from the insurance company database 430 by secure printing (step S206).
[0088]
The insurance company system 400 transmits the form image embedded by secure printing to the policyholder terminal 300 (step S207).
[0089]
In the policyholder terminal 300, the form image embedded with the secure print sent from the insurance company system 200 is printed by the printer 315 (step S208). The necessary items are written by hand on the printed form (insurance claim report) and stamped (step S209).
[0090]
Next, the policyholder mails the completed form and, if necessary, attached documents such as a medical certificate of a doctor to the insurance company (step S210).
[0091]
In the insurance company system 200, the completed form sent from the insurance contractor is scanned by the scanner 215 (step S211).
[0092]
The present embodiment is characterized in that data detection and data verification for a form image are performed in the insurance company system 400. In the insurance company system 400, first, from the filled-out form image, the encrypted embedded data, signature data, issue No. Is taken out (step S212). Then, the encrypted embedded data + issue No. Is verified (step S213). Further, the issue No. is stored in the insurance company database 430. Is extracted (step S214), and the encrypted embedded data is decrypted with the common key (step S215).
[0093]
Further, in the insurance company system 400, the validity of the completed form is confirmed based on the verification result and the like. That is, the validity of the form is confirmed from the signature verification result, and the claimant is confirmed to be the contractor by checking the policyholder ID and the seal (step S216).
[0094]
As described above, according to the present embodiment, the insurance contractor can print the form data at the insurance contractor terminal 300 and use it to claim the insurance money. → Invoicing → Invoicing is not required, reducing labor and time. In addition, since the policyholder information is embedded in advance, it is possible to prevent a third party from impersonating.
[0095]
In addition, by embedding policyholder information and signature data using secure print technology, not only can third parties not recognize what information is embedded, but also if these data are embedded. Is not recognized by a third party.
[0096]
Also, security can be enhanced by encrypting policyholder information and signature data.
[0097]
The preferred embodiments of the form issuing method, the form issuing system, the ASP service company system, and the related invention according to the present invention have been described above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person skilled in the art can conceive various changes or modifications within the scope of the technical idea described in the claims, and those changes naturally fall within the technical scope of the present invention. It is understood to belong.
[0098]
【The invention's effect】
As described above, the present invention has the following excellent effects.
1. As a policyholder, the form data can be printed at the policyholder's terminal and used to claim an insurance claim, so there is no need to go through the steps of sending an identity confirmation → issuing a bill → sending a bill. ， Reduces labor and time. In addition, since the policyholder information is embedded in advance, it is possible to prevent a third party from impersonating.
2. The ASP service company can develop a new ASP service as a business by embedding and verifying policyholder information in the ASP service company system.
3. As an insurance company, it is possible to outsource the work of issuing and managing forms (including management of keys used at the time of embedding), and to reduce equipment introduction costs and running costs.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram of a form issuing system according to a first embodiment;
FIG. 2 is an explanatory diagram of a form issuing system according to a second embodiment;
[Explanation of symbols]
10 Form issuing system
20 Form issuing system
100 ASP service company system
110 Secure Print Embedded Server
120 Secure Print Verification Server
130 key database
200 insurance company system
210 Information Management Server
220 Form reception terminal
225 scanner (reading means)
300 policyholders
305 Printer (printing means)
400 insurance company system
410 Insurance Company Server
420 insurance company terminal
425 scanner (reading means)
430 Insurance Company Database

Claims (33)

A form issuance method for exchanging forms between an ASP service company system, an insurance company system, and a policyholder terminal mutually connected via a network,
The ASP service company system inserts at least insurance policyholder information for identifying the insurance policyholder and signature data of the ASP service company into a form of the insurance data embedded in a substitute expression that cannot be read by a third party. Sent to the subscriber terminal,
The insurance contractor terminal prints the form data, writes predetermined data, and transmits the data to the insurance company system.
The insurance company system reads the form in which the predetermined items are described, transmits the form to the ASP service company system,
The form issuing method, wherein the ASP service company system verifies the signature data, detects the policyholder information, and transmits a verification result and a detection result to the insurance company system. 2. The form issuing method according to claim 1, wherein the ASP service company system charges the insurance company system when transmitting the form data to the insurance contractor terminal. The system according to claim 11, wherein the ASP service company system charges the insurance company system when transmitting the result of the verification of the signature data and the result of detection of the policyholder information to the insurance company system. The form issuance method according to 1 or 2. 4. The ASP service company system according to claim 1, wherein the insurance contractor information and signature data of the ASP service company are encrypted and then embedded in the form data. Form issuance method. The ASP service company system charges the insurance company system when encrypting the insurance contractor information and signature data of the ASP service company and managing the encryption key used for the encryption. The form issuing method according to claim 4. 6. The form issuing method according to claim 1, wherein the substitute expression is embedded in the form data using a secure print technique. 6. The form issuing method according to claim 1, wherein the substitute expression is embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code. A form issuing method for exchanging forms between an insurance company system and a policyholder terminal connected via a network,
The insurance company system includes a form data in which at least policyholder information for identifying the policyholder and signature data of the insurance company are embedded in a substitute expression that is not readable by a third party. Send to terminal
The insurance contractor terminal prints the form data, writes predetermined data, and transmits the data to the insurance company system.
A method for issuing a form, wherein the insurance company system reads a form in which the predetermined item is described, verifies the signature data, and detects the policyholder information. 9. The form issuing method according to claim 8, wherein the insurance company system encrypts the policyholder information and signature data of the insurance company and then embeds the encrypted information into the form data. 10. The form issuing method according to claim 8, wherein the substitute expression is embedded in the form data using a secure print technique. 10. The form issuing method according to claim 8, wherein the substitute expression is embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code. An ASP service company system, an insurance company system, and a form issuing system for exchanging forms between insurance contractor terminals, which are connected to each other via a network,
The ASP service company system,
An embedding server for creating form data in which at least insurance contractor information for identifying an insurance contractor and signature data of an ASP service company are embedded in a substitute expression that is not readable by a third party, and the signature data And a verification server for detecting the policyholder information.
The policyholder terminal includes printing means for printing the form data,
The form issuing system, wherein the insurance company system includes reading means for reading a form in which the predetermined items are described. 13. The form issuing system according to claim 12, wherein the insurance company system further includes an information management server that manages policyholder information for specifying the policyholder. The ASP service company system further comprises first billing means for billing the insurance company system when transmitting the form data to the policyholder terminal. Item 14. The form issuing system according to Item 12 or 13. The ASP service company system further includes a second charging for charging the insurance company system when transmitting the result of the verification of the signature data and the result of detecting the policyholder information to the insurance company system. 15. The form issuing system according to claim 12, further comprising means. 16. The ASP service company system according to claim 12, wherein the insurance contractor information and the signature data of the ASP service company are encrypted and then embedded in the form data. Form issuing system described. The ASP service company system further includes a key database for managing keys used for the encryption, and encryption of the insurance contractor information and signature data of the ASP service company, and management of the encryption key used for the encryption. 17. The form issuing system according to claim 16, further comprising a third charging unit for charging the insurance company system. 18. The form issuing system according to claim 12, wherein the substitute expression is embedded in the form data using a secure print technique. 18. The form issuance according to claim 12, wherein the substitute expression is embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code. system. A form issuing system for exchanging forms between an insurance company system and a policyholder terminal connected via a network,
The insurance company system includes an embedded server for creating report data in which at least insurance policyholder information for identifying an insurance policyholder and signature data of the insurance company are embedded in a substitute expression that cannot be read by a third party. When,
Reading means for reading a form in which predetermined items are described;
A verification server that verifies the signature data and detects the policyholder information;
A form issuing system, wherein the policyholder terminal includes a printing unit for printing the form data. 21. The form issuing system according to claim 20, wherein the insurance company system encrypts the policyholder information and the insurance company signature data and then embeds the information into the form data. 22. The form issuing system according to claim 21, wherein the insurance company system further includes a key database for managing keys used for the encryption. 23. The form issuing system according to claim 20, wherein the substitute expression is embedded in the form data using a secure print technique. 23. The form issuing system according to claim 20, wherein the substitute expression is embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code. An ASP service company system for exchanging forms with an insurance company system and a policyholder terminal connected to each other via a network,
An embedded server for creating report data in which at least policyholder information for identifying the policyholder and signature data are embedded in a substitute expression that is not readable by a third party;
A verification server that verifies the signature data and detects the policyholder information;
An ASP service company system comprising: 26. The ASP service according to claim 25, further comprising a first billing means for billing said insurance company system when transmitting said form data to said policyholder terminal. Company system. Further, a second charging unit is provided for charging the insurance company system when transmitting the verification result of the signature data and the detection result of the policyholder information to the insurance company system. The ASP service company system according to claim 25 or 26, wherein 28. The ASP service company system according to claim 25, wherein the policyholder information and signature data are encrypted and then embedded in the form data. Further, a key database for managing the key used for the encryption, and for charging the insurance company system when encrypting the policyholder information and signature data and managing the encryption key used for the encryption. 29. The ASP service company system according to claim 28, further comprising a third charging unit. 30. The ASP service company system according to claim 25, wherein the substitute expression is embedded in the form data using a secure print technology. The ASP service company system according to claim 25, wherein the substitute expression is embedded in the form data as a barcode, a two-dimensional barcode, or a glyph code. . A computer program for causing a computer to function as the embedded server according to any one of claims 25, 26, 27, 28, 29, 30, or 31. A computer program for causing a computer to function as the verification server according to any one of claims 25, 26, 27, 28, 29, 30, and 31.

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