KR102019730B1 - Method for providing online insurance transaction service - Google Patents

Abstract

A method of providing an online insurance contract service is provided, and receiving a selection event for selecting a signature for an insurance contract as an online signature from a fixed terminal of a customer terminal, and receiving a signature guide message for receiving the online signature in response to the received selection event. Generating a predetermined number of digits through the random number generator, and mapping the subscription number for the insurance subscription with a random number and transmitting it to the mobile terminal of the client terminal with the signature guide message, the signature connected to the signature guide message from the client terminal When the signature is input on the screen, converting the input signature into an image and requesting a time stamp to a certified electronic document archiving server, and when a time stamp token is issued from the certified electronic document archiving server, the time stamp token and the converted image are To check whether the signature image is normal by merging Transmitting the request message to the fixed terminal of the client terminal, when the signature image is confirmed by the fixed terminal of the client terminal, storing the signature image in an electronic document management system (EDMS), and confirming the contract after storing the EDMS. And transmitting a message for guiding the contract to the mobile terminal of the customer terminal.

Description

How to Offer an Online Insurance Contract Service {METHOD FOR PROVIDING ONLINE INSURANCE TRANSACTION SERVICE}

The present invention relates to a method for providing an online insurance contract service, and without a contractor's certificate and signature, a contract can be established only by a direct signature using a smart terminal, and an insurance agent does not have to directly sign a contractor. do.

Recently, a variety of technologies have been researched and developed due to the spread of smart terminals. However, the insurance agent and the contracting parties must meet and proceed with the contract in order to obtain a handwritten signature. The contract was costly and time consuming.

At this time, the online insurance contract is made by using a certified certificate. In this regard, Korean Patent Publication No. 2009-0003449 (published on Jan. 12, 2009) discloses an application service provider (ASP), provides an insurance subscription online based on the ASP, and provides an insurance subscription. Manages a communication network with the insurance company server, receives and registers an insurance policy presented by the insurance company server, generates and manages corresponding registration information in response to registration of the insurance policy, Initiates the configuration of a public authority server for operating the pre-registered insurance policy and the authentication server for authenticating the electronic signature on the insurance policy in accordance with the policyholder's personal information and registered information. .

However, in order to operate an accredited certificate, a prescribed process must be followed in accordance with the ICT Protection Act. In this process, senior citizens, who are not good at computers, call the insurance planner directly. In most cases, there is a situation in which a contract is not immediately concluded and thus cannot receive insurance or cannot be insured itself.

In one embodiment of the present invention, without a legal process for using the certificate and the certificate, by authenticating the certificate of the certification document online, such as signing the parties to the contract by handwritten signature and signing the contract online By verifying the identity of the two fixed terminals and mobile terminals, it is possible to directly contract subscription and conclusion without time and space constraints can provide an online insurance contract service providing method that both insurers and contractors can win win. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention, receiving a selection event for selecting a sign for the insurance contract online sign from the fixed terminal of the customer terminal, corresponding to the received selection event Generating a signature guide message for receiving an online signature, generating a predetermined number of digits through a random number generator, and mapping the subscription number for the insurance to a random number and transmitting the signature guide message to the mobile terminal of the client terminal with the signature guide message; When receiving a signature on a signature screen connected to a signature guide message at a client terminal, converting the input signature into an image and requesting a timestamp to a certified electronic document storage server, and a timestamp token is issued from the certified electronic document storage server. When the image is signed, merge the converted image with the timestamp token Transmitting a request message for confirming whether it is normal to the fixed terminal of the client terminal, if the fixed terminal of the client terminal checks the signature image, storing the signature image as an electronic document management system (EDMS), and storing the EDMS. And then confirming the contract and transmitting a message for guiding the contract for the subscription to the mobile terminal of the client terminal.

According to any one of the above-described means for solving the problem of the present invention, without signing the certificate and the legal process for using the certificate, it is possible to sign their contract online, such as when the contracting parties meet and sign the contract by handwritten signature. By authenticating the accredited certification document and verifying yourself with two fixed terminals and mobile terminals, both contractors and contractors can win-win without any time and space constraints.

1 is a block diagram illustrating an online insurance contract service providing system according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating the online insurance contract service providing server shown in FIG. 1.
3 is a diagram illustrating a mobile phone direct signature selection step of an online insurance contract service according to an embodiment of the present invention.
4 is a diagram illustrating a mobile phone direct signature step of an online insurance contract service according to an embodiment of the present invention.
5 is a view for explaining the premium payment settlement and the conclusion of the online insurance contract service according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of transmitting and receiving data between components included in the online insurance contract service providing system of FIG. 1 according to an exemplary embodiment of the present invention.
7 is a flowchart illustrating an online insurance contract service providing method according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components, unless specifically stated otherwise, one or more other features It is to be understood that the present disclosure does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, parts, or combinations thereof.

As used throughout the specification, the terms "about", "substantially", and the like, are used at, or in close proximity to, numerical values when manufacturing and material tolerances inherent in the meanings indicated are intended to aid the understanding of the invention. Accurate or absolute figures are used to assist in the prevention of unfair use by unscrupulous infringers. As used throughout the specification of the present invention, the term "step of" or "step of" does not mean "step for".

In the present specification, the term 'unit' includes a unit realized by hardware, a unit realized by software, and a unit realized by both. In addition, one unit may be realized using two or more pieces of hardware, or two or more units may be realized by one piece of hardware.

Some of the operations or functions described as being performed by the terminal, the apparatus, or the device may be performed instead in the server connected to the terminal, the apparatus, or the device. Similarly, some of the operations or functions described as being performed by the server may be performed by the terminal, apparatus or device connected to the server.

In the present specification, some of the operations or functions described as mapping or matching with a terminal mean that a unique number of a terminal or identification information of an individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating an online insurance contract service providing system according to an embodiment of the present invention. Referring to FIG. 1, the online insurance contract service providing system 1 may include a customer terminal 100, an online insurance contract service providing server 300, and a certified electronic document storage server 400. However, since the online insurance contract service providing system 1 of FIG. 1 is only one embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

In this case, each component of FIG. 1 is generally connected through a network 200. For example, as shown in FIG. 1, the customer terminal 100 may be connected to the online insurance contract service providing server 300 through the network 200. In addition, the client terminal 100 may be connected to the authorized electronic document storage server 400 through the online insurance contract service providing server 300 through the network 200. In addition, the authorized electronic document storage server 400 may be connected to the customer terminal 100 through the online insurance contract service providing server 300.

Here, the network 200 refers to a connection structure capable of exchanging information between each node, such as a plurality of terminals and servers, one example of such a network 200 is a 3rd Generation Partnership Project (3GPP) network, Long Term Evolution (LTE) networks, 5th Generation Partnership Project (5GPP) networks, World Interoperability for Microwave Access (WIMAX) networks, the Internet, Local Area Networks, Wireless Local Area Networks, and WANs Wide Area Network (PAN), Personal Area Network (PAN), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network and the like, but are not limited thereto.

The customer terminal 100 may be a terminal that accesses a web page, an app page, an application, or a program provided by the online insurance contract service providing server 300. At this time, the customer terminal 100 may be a mobile terminal and a fixed terminal, the definition of which may vary depending on the connectivity, mobility, etc. of the network. In addition, the customer terminal 100 does not directly meet with the insurance design counselor to listen to an explanation and conclude a contract. Instead, the client terminal 100 provides an online insurance contract service through the client terminal 100 without meeting the insurance design counselor. It may be a terminal for transmitting to the server 300. The customer terminal 100 is a terminal that drives a camera to photograph a face of a customer or receives a fingerprint of the customer when a signature is input to check whether the signature is authentic and whether the contracting party has signed. Can be. In addition, when the interface for receiving biometric information exists in addition to face recognition or fingerprint, the customer terminal 100 may be a terminal for receiving other biometric information. In addition, the customer terminal 100 may be a terminal that checks the previous signature of the customer in order to confirm whether the signature is handwritten. In addition, the client terminal 100 connects the customer terminal 100 with another electronic device connectable to the client terminal 100 and the network 200 in order to confirm whether the signature caused by the coercion or intimidation, that is, the signature against the doctor. The terminal may receive the photographed image in the background and transmit the image to the online insurance contract service providing server 300. In addition, the client terminal 100 may request a sign input for an online contract from the fixed terminal, receive a sign from the mobile terminal, and conclude and complete a contract in the customer terminal. However, the present invention is not limited thereto, and it may be obvious that only the mobile terminal or the fixed terminal may be used depending on the situation or convenience.

Here, the customer terminal 100 may be implemented as a computer that can access a server or a terminal in a remote location through the network 200. Here, the computer may include, for example, a set top box, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the customer terminal 100 may be implemented as a terminal that can be connected to a server or terminal in a remote place through the network 200. The customer terminal 100 is, for example, a wireless communication device that ensures portability and mobility, and includes a navigation, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), and a personal PHS (PHS). Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminal, All types of handheld based wireless communication devices such as smartphones, smartpads, tablet PCs, and the like may be included.

The online insurance contract service providing server 300 may be a server that directly or indirectly provides an app page, a web page, an application, a program, or the like that provides an online insurance contract service. In addition, when there is an input of a mobile phone signature selection requesting an insurance contract from the client terminal 100, the online insurance contract service providing server 300 may check whether the client terminal 100 is a mobile terminal or a fixed terminal. have. In addition, when the fixed insurance terminal, the online insurance contract service providing server 300 transmits a message for interworking with the mobile terminal to the mobile terminal to find a web page and the like in the mobile terminal, log in, and then reload the page. You don't have to do a series of things to find out, but you can go directly to the sign-in screen. In addition, when the online insurance contract service providing server 300 receives a signature, the online insurance contract service providing server 300 transmits the signature to the authorized electronic document storage server 400 to issue and authenticate a time stamp, and then store the signature. The online insurance contract service providing server 300 may be a server that stores and updates the contract after the contract is concluded.

In this case, the online insurance contract service providing server 300 may be implemented as a computer that can access a server or a terminal in a remote place through the network 200. Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like, equipped with a web browser.

Certified electronic document storage server 400, when the online insurance contract service providing server 300 requests a time stamp for the signature entered, it is sent as a response, when the contract is completed, the server to perform authentication and store Can be. At this time, the official electronic document storage server 400 may be implemented as a computer that can be connected to a server or a terminal of a remote location through the network 200. Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like, equipped with a web browser.

2 is a block diagram illustrating an online insurance contract service providing server shown in FIG. 1, FIG. 3 is a diagram for explaining a mobile phone direct signature selection step of an online insurance contract service according to an embodiment of the present invention; 4 is a diagram illustrating a mobile phone direct signing step of an online insurance contract service according to an embodiment of the present invention, Figure 5 is a description of the premium payment and signing step of the online insurance contract service according to an embodiment of the present invention It is a figure for following.

2, the online insurance contract service providing server 300 according to an exemplary embodiment of the present invention may include a receiver 310, a transmitter 320, a requester 330, a checker 340, and a storage unit. 350, the determination unit 360 may be included.

Online insurance contract service providing server 300 or another server (not shown) operating in conjunction with the online insurance contract service providing server 300 according to an embodiment of the present invention to the customer terminal 100 online insurance contract service application In the case of transmitting a program, an app page, a web page, and the like, the customer terminal 100 may install or open an online insurance contract service application, a program, an app page, a web page, and the like. In addition, the service program may be driven in the customer terminal 100 using a script executed in a web browser. Here, the web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up language), for example, Netscape. , Explorer, chrome and the like. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).

At this time, the connection of the network 200, the customer terminal 100, the online insurance contract service providing server 300, the official electronic document storage server 400 is a communication contact point for communication with the terminal connected to the network 200 This means creating a communication object. The online insurance contract service providing server 300 may exchange data with each other through a communication object.

The receiving unit 310 may receive a selection event for selecting an auto sign for the insurance contract from the fixed terminal of the customer terminal 100 as an online sign. In this case, the fixed terminal may be a PC or the like, but other devices may be possible.

The transmission unit 320 generates a signature guide message for receiving an online signature in response to the received selection event, generates a predetermined number of digits through a random number generator, and maps the subscription number for subscription of insurance with a random number. It may be transmitted to the mobile terminal of the customer terminal 100 with the guide message. In this case, the signature guide message may be an LMS for moving to a page where the client terminal 100 receives an online signature through a URL having a random number as a parameter, but using another type of messenger or a message service used by a user of the client terminal 100. The possibilities will be self-evident.

In this case, the page receiving the signature may further include an interface for confirming all the terms by changing colors, sizes, etc. in addition to the field for describing the signature. For example, the planners must complete all the signing obligations, sign all of them under the terms of the contract, or print out the terms of speech and sign them. May be However, the present invention is not limited thereto and various embodiments may be possible. This may be made of content including voice, video, image, text, and the like, and various embodiments may exist such as receiving a signature on each or all at once.

When the request unit 330 receives a signature from the signature screen connected to the signature guide message in the customer terminal 100, the request unit 330 may convert the input signature into an image and request a time stamp to the authorized electronic document storage server 400. . At this time, when requesting a time stamp, an API (Application Programming Interface) call may be made. Here, the request value of the API call may include an account ID, an account password, a signature file name, and a signature file path, and the response value of the API call may be normal processing.

When the time stamp token is issued from the authorized electronic document storage server 400, the verification unit 340 merges the time stamp token with the converted image and checks whether the signature image is normal. ) Can be transmitted to a fixed terminal. At this time, the request value when making an API call to the public electronic document storage server 400 after generating the merged signature image is a signature file name and a signature file path, and the response values are normal processing and the public electronic document storage server 400 ) May be a transmission ID.

The storage unit 350 may store the signature image in an electronic document management system (EDMS) when the signature image is confirmed by the fixed terminal of the customer terminal 100. In this case, the storage unit 350 also stores contract data including the contract number, IP, and EDMS number of the insurance contract completed by the signature on the subscription, and the stored EDMS is stored in the database of the official electronic document storage server 400. After comparison with the EDMS is transmitted and updated to the official electronic document storage server 400, it is possible to update whether or not the transmission processing stored EDMS to the official electronic document storage server 400.

The determination unit 360 may determine the contract after storing the EDMS, and transmit a message for guiding the contract for the subscription to the mobile terminal of the customer terminal 100.

On the other hand, if the fixed terminal of the customer terminal 100 selects the online sign and insurance payment for the insurance contract, the mobile terminal of the customer terminal 100 may receive a signature guide message for receiving the online sign to the LMS. In addition, when the signature is input to the screen for inputting the signature through the URL included in the LMS in the mobile terminal of the customer terminal 100, the fixed terminal of the customer terminal 100 outputs a screen for confirming the signature image and at the same time premium When the user interface corresponding to the settlement and the settlement can be output, and the user interface is selected from the fixed terminal of the customer terminal 100 to pay the premium and confirm the conclusion, the message for the guidance of contract confirmation is output, but the signature image The user interface may be output at the bottom of the screen for confirming.

Hereinafter, an online insurance contract service having the above-described configuration will be described with reference to FIGS. 3 to 5.

Referring to FIG. 3, a person A has to travel urgently to a country B, there is no time to meet an insurance agent, and the certificate is stored in the company and now he is home to pack his luggage. Suppose At this time, A connects to the site of company C, which performs the online insurance contract service, selects insurance and insurance according to his condition, and now only the premium payment remains, but there is currently no certificate. Therefore, A can select the mobile phone direct signature and premium payment, and at this time, a message for signature is transmitted to the mobile phone used by A to the LMS.

Referring to FIG. 4, when A receives the LMS message to the mobile terminal, which is the customer terminal 100, selects or clicks a URL included in the LMS, and accordingly, a screen for signing is output from the mobile terminal. , A enters the sine.

Referring to FIG. 5, when A inputs a signature and completes a subscription, the user can click on premium payment and conclusion in a fixed terminal, which is the customer terminal 100, and complete the subscription. Through this, without the complicated Active X installation process of the certificate, it can be possible to insurance contracts and contracts without having to switch to the browser running Active X (Chrome-> Explorer), without meeting the insurance agent.

2 to 5 is not described about the online insurance contract service providing method as described above with respect to the online insurance contract service providing method through FIG. 1 can be easily inferred from the contents described below Omit the description.

FIG. 6 is a diagram illustrating a process of transmitting and receiving data between components included in the online insurance contract service providing system of FIG. 1 according to an exemplary embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 6, but the present disclosure is not limited to the above-described embodiments, and is illustrated in FIG. 6 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.

Referring to FIG. 6, when the fixed terminal of the customer terminal 100 selects a signature directly on the mobile phone in the final process of signing the insurance contract (S6100), the online insurance contract service providing server 300 may provide a signature guide. The SMS sending guidance is output on the screen of the client terminal 100 (S6200), and the online insurance contract service providing server 300 generates a random 10-digit random number (S6300) and maps the subscription number and the random number (S6310). ), And transmits the LMS for the URL guidance using a random number as a parameter to the mobile terminal of the customer terminal 100 (S6320).

In addition, the mobile terminal of the customer terminal 100 selects the URL of the LMS (S6330), but the URL may be set to be accessible only within 10 minutes after receiving the LMS, but is not limited thereto.

On the other hand, when the mobile terminal of the client terminal 100 directly signs the signature screen (S6340), the signature details are converted into an image by the online insurance contract service providing server 300 to the image (S6350), and issued a time stamp. To request (S6400), the API call to the official electronic document storage server 400 (S6500). At this time, the request value is an account ID, an account password, a signature file name, a signature file path, and the response value is normal processing.

In addition, when issuing a time stamp token from the authorized electronic document storage server 400 (S6510), the online insurance contract service providing server 300 generates a document in which the signature image and the time stamp is merged (S6520), In addition, the online insurance contract service providing server 300 makes an API call to request a signature file name and a signature file path, and upon receipt of a normal processing status and a transmission ID to the authorized electronic document storage server 400, the signature image is normal. The guide message is transmitted to the customer terminal 100 so as to check whether or not (S6600).

Accordingly, the fixed terminal of the customer terminal 100 confirms the signature of the user (S6700), and if there is an input of the customer to confirm the signature, the online insurance contract service providing server 300 converts the signature image into the EDMS. To store (S6800), to be stored in the official electronic document storage server 400 (S6830).

On the other hand, when the online insurance contract service providing server 300 receives confirmation from the customer to the signature image, the online insurance contract service providing server 300 stores the contract number, IP, EDMS number, etc. in the contract related matters (S6810), and when the contract is confirmed (S6820), the contract The LMS for the confirmation guidance is transmitted to the mobile terminal of the customer (S6900).

Accordingly, the mobile terminal of the client terminal 100 confirms the contract determination guide received by the LMS (S6910), and the online insurance contract service providing server 300 outputs the contract determination and termination screen from the client terminal 100. Be sure to

Here, the online insurance contract service providing server 300 and the authorized electronic document storage server 400, may be connected by a dedicated line, when the customer terminal 100 transmits the signature directly to the online insurance contract service providing server 300, It can be transmitted by Https communication, POST method, etc., but it is obvious that it is not limited thereto.

The order between the above-described steps S6100 to S6920 is merely an example, and is not limited thereto. That is, the order between the above-described steps (S6100 ~ S6920) may be changed mutually, some of the steps may be executed or deleted at the same time.

7 is a flowchart illustrating an online insurance contract service providing method according to an embodiment of the present invention. Referring to FIG. 7, the online insurance contract server receives a selection event for selecting a sign for an insurance contract as an online sign from a fixed terminal of a customer terminal (S7100).

The online insurance contract server generates a signature guide message for receiving an online signature in response to the received selection event, generates a predetermined number of digits through a random number generator, and maps the subscription number for the insurance subscription to the random number. The signature guide message is transmitted to the mobile terminal of the customer terminal (S7200).

In addition, when the online insurance contract server receives a signature from the signature screen connected to the signature guide message at the client terminal, the online insurance contract server converts the input signature into an image and requests the time stamp to the authorized electronic document storage server (S7300).

When the time stamp token is issued from the authorized electronic document storage server, the online insurance contract server merges the time stamp token with the converted image and checks whether the signature image is normal to the fixed terminal of the customer terminal. It transmits (S7400).

On the other hand, when the online insurance contract server confirms the signature image at the fixed terminal of the customer terminal, the online insurance contract server stores the signature image in the EDMS (Electronic Document Management System) (S7500). After the EDMS storage is confirmed, the contract is confirmed and a message for guiding the contract for the subscription is transmitted to the mobile terminal of the client terminal (S7600).

Such matters that are not described for the online insurance contract service providing method of FIG. 7 are the same as those described for the online insurance contract service providing method through FIGS. 1 to 6, or can be easily inferred from the contents described below. Omit the description.

The online insurance contract service providing method according to an embodiment described with reference to FIG. 7 may also be implemented in the form of a recording medium including instructions executable by a computer such as an application or a program module executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The online insurance contract service providing method according to an embodiment of the present invention described above may be executed by an application basically installed in a terminal (which may include a program included in a platform or an operating system, etc., which is basically installed in the terminal). In addition, the application may be executed by an application (ie, a program) directly installed on the master terminal through an application providing server such as an application store server, an application, or a web server associated with the corresponding service. In this sense, the above-described online insurance contract service providing method according to an embodiment of the present invention is implemented as an application (that is, a program) that is basically installed in a terminal or directly installed by a user, and can be read by a computer such as a terminal. It can be recorded on the recording medium.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Claims (5)

delete delete delete What is claimed is: 1. A method of providing insurance contract services executed on an online insurance contract server.
(a) receiving a selection event of selecting a sign for an insurance contract as an online sign from a fixed terminal of a customer terminal;
(b) generating a signature guide message for receiving an online signature in response to the received selection event, and generating a predetermined number of digits through a random number generator to map a subscription number for the insurance subscription with a random number and the signature guide message; Transmitting to the mobile terminal of the customer terminal;
(c) converting the input signature into an image and requesting a timestamp to an authorized electronic document storage server when receiving a signature on a signature screen connected to a signature guide message in the client terminal;
(d) When a time stamp token is issued from the authorized electronic document storage server, a request message for confirming whether a signature image is normal by merging the time stamp token and the converted image is transmitted to the fixed terminal of the customer terminal. Making;
(e) when the fixed image of the client terminal confirms the signature image, storing the signature image in an electronic document management system (EDMS); and
(f) confirming the contract after storing the EDMS and transmitting a message for guiding the contract for the subscription to the mobile terminal of the client terminal;
Including,
In step (a)
The signature guide message is an LMS for moving to a page where the client terminal receives the online signature through a URL having the random number as a parameter.
In the step of receiving a signature on the signature screen connected to the signature guide message from the customer terminal, converting the input signature into an image and requesting a time stamp to the authorized electronic document storage server,
When requesting the time stamp, an API (Application Programming Interface) call is made,
The request value of the API call includes an account ID, an account password, a signature file name, and a signature file path, and the response value of the API call is whether or not normal processing is performed.
When the time stamp token is issued from the authorized electronic document storage server, in the step of transmitting the request message to confirm whether the signature image is normal by merging the time stamp token and the converted image to the fixed terminal of the customer terminal ,
After generating the merged signature image, the request value when making an API call to the official electronic document storage server is a signature file name and a signature file path, and the response value is whether or not normal processing is performed and a transmission ID of the official electronic document storage server. ,
Step (e) is
And stores contract data including the contract number and EDMS number of the insurance contract completed with the signature on the subscription,
The stored EDMS is transmitted and updated to the authorized electronic document storage server after comparing with the EDMS of the database of the authorized electronic document storage server, and to update whether the transmission processing of the stored EDMS to the authorized electronic document storage server, How to Provide Insurance Contract Services.
The method of claim 4, wherein
When the fixed terminal of the client terminal selects the online sign and premium payment for the insurance contract, the mobile terminal of the client terminal receives a signature guide message for receiving the online sign to the LMS,
When the mobile terminal of the client terminal inputs the signature on the screen for inputting the signature through the URL included in the LMS, the fixed terminal of the client terminal outputs a screen for confirming the signature image and at the same time pays for the premium payment and conclusion. Output the corresponding user interface,
When the user terminal selects the user interface to pay the premium and confirms the conclusion of the fixed terminal of the customer terminal, the message for outputting the contract confirmation is output, but the user interface is output at the bottom of the screen for confirming the signature image. How to provide insurance contract services.

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