KR20200061441A - System for Processing Electronic Application Based on Bio Information - Google Patents

Abstract

The present invention relates to an electronic application processing system based on bioinformation. The electronic application processing system based on bioinformation according to the present invention comprises: a terminal device including a sensor unit for extracting bioinformation; a management server provided in a management organization which manages bioinformation; and an insurance company server provided in an insurance agency which deals with insurance products. According to the present invention, both safety and convenience are secured, and simple signing, electronic signing, and electronic consent for electronic contracts can be processed.

Description

System for processing electronic application based on bio information

The present invention relates to a bio-information-based electronic subscription processing system, in an insured's insurance contract, generates a unique identification key for the insured, and separates a template extracted from the insured's bioinformation into a ticket piece and a receipt piece Thus, after storing separately with the non-identification verification key in an insurance agency and a management agency, the separately stored pieces are combined through a non-identification verification key in the course of the insurance contract to verify the insured's bio-information, thereby insurance It is to enable the simple signature, electronic signature, and full agreement for the electronic contract created for the contract.

In the past, the insurance contract that the other person (the contractor) enrolled for the insured required electronic signature and written consent, and for this, the inconvenience and inconvenience of the insured and the contractor attending the insurance contract or having to sign the insurance plan individually There was a ship.

On the other hand, with the recent recognition of the validity of electronic signatures based on bio-information and the full consent of electronic documents with confidence in the subscription of the insured, it is possible to replace the existing handwritten signature and signature agreement methods with electronic signatures and electronic agreements based on bio-certification. A plan was required.

The present invention, in the insurance contract of the insured, generates a unique identification key of the insured, separates the template extracted from the insured's bio information into a ticket piece and a receipt piece, and the insurance agency together with the non-identification key After storing it separately in the management agency and by combining the pieces stored separately in the insurance contract process with a non-identification confirmation key as a medium, verifying the bioinformation of the insured person, a simple signature for the electronic contract generated for the insurance contract, The present invention is to provide an electronic subscription processing system based on bioinformation that enables electronic signatures and electronic consent to be processed.

The electronic information-based electronic subscription processing system according to the present invention includes a terminal device equipped with a sensor unit for extracting bio-information, a management server provided in a management agency managing bio-information, and an insurance agency handling insurance products. It consists of an insurance company server, an encryption key providing unit that provides an encryption key for encrypting bio information, an information extraction unit that extracts bio information to be encrypted with an encryption key, and information encryption that encrypts the extracted bio information with an encryption key. Wealth, a registration lookup key generation unit for hashing the insured social security number of the insured person to generate a registration lookup key, a non-identification verification key generation unit for generating a non-identification verification key for registering the insured bioinformation, and the insured bioinformation Dividing the information into a receipt piece and a ticket piece so that the receipt piece is mapped to the non-identification confirmation key and stored in the management server, and the ticket piece is mapped to the non-identification confirmation key and stored in the insurance company server, and the insurance A contract generating unit for generating an electronic contract including contract information for subscription of a product, and a convenient token generating unit for verifying the bio-information of the encrypted insured and generating a simple signature token to be used for the electronic signature upon request for a simple signature. , A simple signature processing unit for processing the simple signature by inserting the generated simple signature token in the electronic contract; and an electronic signature processing unit for processing the electronic signature of the insured in the electronic contract processed with the simple signature according to the request for the electronic signature. After the bio information of the insured person is encrypted and delivered according to the request of the user, the non-identification confirmation key combination unit that generates a hash value by combining with the electronic contract and the non-identification verification key of the insured person, the bio information of the insured person, and the bio information of the insured person It may be provided with a full-automatic processing unit for verifying the bio-information of the insured by using the ticket fragment, hash value, and non-identification key of.

According to the present invention, the non-identification verification key generation unit checks the registration availability inquiry key generated by the insured's resident registration number requesting the registration of bioinformation and the bioinformation of the insured person encrypted with the encryption key, and the encrypted insured person's bio After decrypting the information and verifying the validity, the non-identification confirmation key of the insured person is generated.

According to the present invention, the information registration unit is characterized by combining the bioinformation of the insured person to be registered with the registration availability inquiry key and generating and storing a signature value with the private key of the management institution.

According to the present invention, the contract generating unit is characterized by generating an electronic contract based on insured information, contractor information, and contract condition information input or selected and received from the terminal device.

According to the present invention, the simple token generation unit checks the insured ticket piece stored in the insured by being mapped to the insured's non-identification confirmation key, and is mapped to the non-identified confirmation key and stored in the insured's receipt piece It is characterized by combining with and verifying the bio-information of the insured, and issuing an authentication ID corresponding to the bio-information verification result of the insured.

According to the present invention, the simple token generation unit is characterized in that the authentication ID of the issued insured person is provided to the simple signature processing unit together with the simple signature token.

According to the present invention, the simple signature processing unit is characterized by processing a simple signature by inserting a simple signature token into one or more signature fields included in the electronic contract.

According to the present invention, the electronic signature processing unit confirms a piece of the ticket of the insured stored in the insured by being mapped with the non-identifying confirmation key of the insured, and the receipt piece of the insured stored in the management institution mapped with the non-identifying confirmation key. It is characterized by combining with and verifying the bio-information of the insured, and issuing an authentication ID corresponding to the bio-information verification result of the insured.

According to the present invention, the electronic signature processing unit generates a signature token using the signature value of the management institution when the insured bio-information is verified, and the generated signature token is an electronic contract processed with a simple signature, non-identifying confirmation It is characterized by processing the digital signature with the ticket piece of the insured in combination with the key.

According to the present invention, the full-automatic processing unit checks the non-identification confirmation key mapped to the insured ticket fragment, and confirms the receipt fragment of the insured person mapped to the identified non-identification confirmation key and stored in the management agency. , Combining the ticket piece and the receipt piece to verify the bio-information of the insured person.

According to the present invention, the full-automatic processing unit is characterized by storing a hash value when the bioinformation of the insured person is verified.

According to the present invention, the information extraction unit, the information encryption unit, and the simple signature processing unit are implemented through a terminal device, and the registration inquiry key generation unit, the contract generation unit, and the non-identification confirmation key combination unit are implemented through an insurance company server. The encryption key providing unit, the non-identification confirmation key generation unit, the information registration unit, the simple token generation unit, the electronic signature processing unit, and the automatic agreement processing unit are implemented through a management server.

According to the present invention, when the bio-authentication-based personal authentication procedure universalized in the financial sector is implemented through the electronic subscription and electronic signature and consent method through the electronic subscription processing system based on the bio-information, there is an advantage of simultaneously securing safety and convenience. .

In addition, according to the present invention, it is possible to pre-block the risk of leakage and misuse of bioinformation by dividing and managing the bioinformation that is unchanged during a lifetime into non-certifiable pieces, and re-segmenting the bioinformation that has been divided at a specific rate into different rates By doing so, it is possible to renew and re-register bio information suspected of being leaked.

In addition, according to the present invention, there is an advantage in that the contractor and the insured's digital monitor and electronic pen-based handwritten signature can be converted into a bio-authentication-based simple signature to reduce transaction time for each customer and maximize work efficiency.

In addition, according to the present invention, it is possible to prevent exposure of personal information by combining and encrypting alternative information that is not personally identifiable in place of the customer's bio-information upon electronic consent with an electronic document hash value.

In addition, according to the present invention, unlike the existing written consent that is conducted through face-to-face or mail delivery, it is possible to complete the electronic signature and consent process in public/private devices (designer's tablet, customer's smartphone, etc.), so customer service accessibility and convenience It has the advantage of being high.

In addition, according to the present invention, the electronic subscription and the authenticity verification information are generated and managed electronically, and thus there is an advantage that the insurance company can safely and easily support business operations.

1 is a view showing the configuration of a bio-information-based electronic subscription processing system according to an embodiment of the present invention.
2 is a diagram showing the functional configuration of the terminal device 200 and the program 245 according to an embodiment of the present invention.
3 is a view showing a process of registering the insured bio-information according to the method of the present invention.
4 is a diagram illustrating a process of processing a bio-electronic signature according to an embodiment of the present invention.
5 is a diagram illustrating a process of processing bioelectronic consent according to an embodiment of the present invention.

Hereinafter, an operation principle of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings shown below and the following description are for preferred implementation methods among various methods for effectively describing the features of the present invention, and the present invention is not limited to the following drawings and description.

That is, the following examples correspond to the preferred embodiment of the union type among the numerous embodiments of the present invention, and the specific examples (or steps) omitting specific components (or steps) from the following examples An embodiment for dividing a function implemented in a specific configuration (or step), or an embodiment incorporating a function implemented in two or more configurations (or steps) into one configuration (or step), a specific configuration (or step) Examples of replacing the operation sequence of the, etc., it is clearly revealed that all belong to the scope of the present invention, unless otherwise stated in the following examples. Accordingly, it is clearly stated that various embodiments corresponding to a subset or a subset can be divided by retroactively filing the filing date of the present invention.

In addition, in the following description of the present invention, when it is determined that detailed descriptions of related well-known functions or configurations may unnecessarily obscure the subject matter of the present invention, detailed descriptions thereof will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or practice. Therefore, the definition should be made based on the overall contents of the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. That's it.

1 is a view showing the configuration of a bio-information-based electronic subscription processing system according to an embodiment of the present invention.

In more detail, FIG. 1 is a process of processing an electronic subscription for insurance of an insured person registered by dividing a template extracted from bioinformation into a receipt piece (template piece) and a ticket piece (template piece) together with the non-identification confirmation key. As a diagram showing the configuration of a system for processing an electronic subscription through electronic signature and electronic consent of the insured person (which may be a contractor or a person insured in a special relationship with the contractor) based on the bio-information registered by the division, the present invention Those of ordinary skill in the art, by referring to and/or modifying the present Figure 1, various implementation methods for the configuration of the electronic information-based electronic subscription processing system (eg, some components are omitted or subdivided) Or a combined implementation method), but the present invention includes all the inferred implementation methods, and the technical features are not limited to only the implementation method illustrated in FIG. 1.

The system of the present invention is provided with a terminal device 200 provided with a sensor unit for receiving bio information from an insured person and extracting a template, and a management server 100 and an insurance product provided in a management institution managing a bio information (template). It may be configured to have an insurance company server 105 provided in the insurance agency to handle.

The terminal device 200 receives bio-information from the insured and registers the template extracted from the bio-information in association with the insurer server 105 and the management server 100. In conjunction with (105) and the management server (100), an electronic contract for insurance subscription is provided, and bio-information of the insured person is obtained to perform signature processing for electronic subscription processing for the insurance subscription.

Referring to FIG. 1, the terminal device 200 includes a terminal operated by an insurance designer facing the insured person, but is not limited thereto, or is a terminal directly operated by the insured in some cases, or the head office of the insurance institution, or It may be a terminal provided in a branch.

For example, the insurance designer can output contract information for a predetermined insurance contract to the contractor through the terminal device 200 or show contract information for generating an electronic contract for the insurance contract.

In addition, through the terminal device 200 to obtain the bio information of the insured, it is possible to extract the template from the obtained bio information, in conjunction with the insurance company server 105 and the management server 100 for the electronic contract It is possible to enable simple signature, electronic signature, and electronic consent.

A more detailed description of the terminal device 200 will be described with reference to FIG. 2 below.

The insurance company server 105 may communicate with the terminal device 200 and store a ticket piece, which is one of the divided pieces of the template extracted from the insured bioinformation according to the bioinformation registration request of the insured person.

Thereafter, the terminal device 200 processes the generation of an electronic contract for insurance contracts with the insured person, and the template extracted from the insured bioinformation extracted through the terminal device 200 and previously stored The insured's ticket fragment can be provided to the management server 100 to request the insured's simple signature and electronic signature for processing the electronic contract for the insurance contract.

The management server 100 registers bio-information of the insured by using the template in conjunction with the terminal device 200 and the insurance company server 105, and in the registration process, a template extracted from the bio-information of the insured is a ticket piece And the receipt piece, the ticket piece can be stored in the insurance company server 105 together with the non-identification confirmation key, and the receipt piece can be stored in the insurance company server 105 together with the non-identification confirmation key.

In addition, the management server 100 may process a simple signature using a simple signature token in the signature column on the electronic contract generated for the insurance contract of the insured, and may perform electronic signature processing for the electronic contract. Here, it is possible to repeatedly perform a simple signature on two or more signature fields on the electronic contract by using the simple signature token.

Referring to Figure 1 in more detail, the insurance company server 105 may be configured to include a registration inquiry key generation unit 140, a contract generation unit 145, and a non-identification confirmation key combination unit 150. .

The registration lookup key generating unit 140 includes the insured's bio information and resident registration number information from the terminal device 200 in the process of registering the insured's bio information for the electronic information-based electronic subscription processing according to the present invention. When transmitted, the insured resident registration number information can be hashed to generate a registration lookup key.

Here, the generated registration inquiry key can be checked to see if the insured's bioinformation (template) is pre-registered with the insurance organization and the management organization in the process of using the insured's bioinformation (template) in the future when the insured's insurance contract is made. To make.

When the registration query key is generated, the registration query key generator 140 provides the template extracted from the insured bioinformation and the generated registration query key to the management server 100 to provide the insured bioinformation. (Template) You can request registration.

The contract generation unit 145 may generate an electronic contract including contract information and contract conditions for insurance contracts for a predetermined insurance product provided by an insurance agency provided with the insurance company server 105.

According to an embodiment of the present invention, the contract generation unit 145 may receive input or selected contract-related information from the terminal device 200 and generate an electronic contract for insurance contracts with the insured person (or contractor). have. The contract generation unit 145 may allow the insured (or contractor) to confirm by providing and outputting the generated electronic contract to the terminal device 200.

The non-identification confirmation key combination unit 150, after the creation of the electronic contract for the insurance contract of the insured, the bio-insurance information of the insured according to the automatic consent of the insured about the contents of the electronic contract or the contract included in the electronic contract After the template extracted from is transmitted by being encrypted, a hash value may be generated by combining the electronic contract (hash) with the non-identification confirmation key of the insured.

According to an embodiment of the present invention, when the hash value is generated, the non-identification confirmation key combination unit 150 generates a template extracted from the insured bioinformation along with the generated hash value, the ticket piece of the insured, and non-identification. The verification key may be transmitted to the management server 100 to request authenticity verification verification of the insured's bio information (template) for electronic consent.

Meanwhile, referring to FIG. 1, the management server 100 includes an encryption key providing unit 110, a non-identification confirmation key generating unit 115, an information registering unit 120, and a simple token generating unit 125. , Electronic signature processing unit 130 and a fully automatic processing unit 135.

The encryption key providing unit 110 may provide the encryption key for encrypting the template extracted from the insured bioinformation extracted from the terminal device 200 to the terminal device 200 through the insurance company server 105.

The non-identification confirmation key generation unit 115 may generate a non-identification confirmation key for registering the bioinformation (template) of the insured person obtained through the terminal device 200 according to the request for registering the bioinformation of the insured person.

According to the present invention, the non-identification verification key generation unit 115 works in conjunction with the insurance company server 105 to request registration of bio-information, and the insured key generated with the resident registration number of the insured person and the insured person encrypted with the encryption key. A template (template extracted from bio-information) may be checked, and the encrypted insured template may be decrypted to verify validity, and then the non-identifying confirmation key of the insured may be generated.

When the non-identification identification key of the insured is generated through the non-identification confirmation key generation unit 115 according to the bioinformation registration request of the insured person, the information registration unit 120 divides the template of the insured into a receipt piece and a ticket piece. Thus, the receipt fragment may be mapped to the non-identification confirmation key to be stored in the management server 100, and the ticket fragment may be mapped to the non-identification confirmation key to be stored in the insurance company server 105.

According to an embodiment of the present invention, the information registration unit 120 may combine a template of an insured person to be registered with a registration lookup key, and generate and store a signature value with the private key of the management agency.

In addition, the information registration unit 120 may store a receipt fragment and a registration availability inquiry key mapped with the non-identification confirmation key.

In addition, the information registration unit 120 may return the result of registering the insured bioinformation (template) by providing the divided ticket fragment, the non-identification confirmation key, and the signature value to the insurance company server 105.

The simple token generation unit 125 is convenient for one or more signature fields provided on the generated electronic contract from the terminal device 200 or the insurance company server 105 after the electronic contract for the insurance contract of the insured person is generated. According to a request for a simple signature of the insured person for signing, the encrypted insured bioinformation (template) may be verified and a simple signature token to be used for the digital signature may be generated.

According to an embodiment of the present invention, the simple signature token includes a timestamp and can be generated from the signature value of the management server 100.

According to an embodiment of the present invention, the simple token generation unit 125 checks the insured ticket piece stored in mapping with the non-identification identification key of the insured in the insurance company server 105 of the insurance institution, and the non-identification confirmation key Combined with the receipt piece of the insured person stored in the management server 100 of the management institution mapped to and to verify the bioinformation (template) of the insured person, and to issue a biotoken ID corresponding to the result of verifying the insured person's bioinformation. In addition, the issued bio-token ID of the insured may be provided to the insurance company server 105 along with a simple signature token.

The simple signature token can be processed by repeatedly inserting the simple signature token into one or more signature fields requiring the signature of the insured person on the electronic contract on the terminal device 200 through the simple signature token.

The electronic signature processing unit 130 after the simple signature is completed in one or more signature fields provided on the electronic contract for the insurance contract of the insured, the insured in the electronic contract processed with the simple signature according to the electronic signature request of the insured Can process digital signatures of

According to an embodiment of the present invention, the electronic signature processing unit 130 identifies a piece of the ticket of the insured that is mapped and stored in the insured's non-identification confirmation key on the insurance company server 105 of the insurance institution, and the non-identification confirmation key and It can be mapped and combined with the receipt piece of the insured person stored in the management server 100 of the management institution to verify the insured bio information (template) and issue an authentication number corresponding to the insured bio information verification result.

According to an embodiment of the present invention, the electronic signature processing unit 130 generates a signature token using the signature value of the management organization when the insured bioinformation (template) is verified, and the generated signature token is easily signed. In combination with the processed electronic contract and non-identification confirmation key, the electronic signature can be processed with the ticket piece of the insured.

In addition, the electronic signature processing unit 130 may return the electronic signature value processed by the electronic signature and the serial number of the electronic signature to the insurance company server 105 to return the results of the electronic signature.

The automatic consent processing unit 135, after the simple signature is completed on the electronic contract for the insurance contract of the insured person, and after the electronic signature of the insured person for the electronic contract for which the simple signature is completed, the template of the insured person, the insured person The ticket fragment of the template, the hash value (a hash value generated by combining the electronic contract and the non-identification confirmation key), and the non-identification confirmation key are used to verify the authenticity of the insured's bioinformation (template) to process the full consent can do.

According to an embodiment of the present invention, the fully-automated processing unit 135 checks the non-identification confirmation key mapped to the insured ticket piece, and is mapped to the identified non-identification confirmation key to manage the management server of the management institution ( After confirming the receipt piece of the insured person stored in 100), it is possible to verify the bio information (template) by combining the ticket piece and the receipt piece and comparing it with the bio information (template) of the insured person.

In addition, the full-automatic processing unit 135 may store the hash value generated by combining the electronic contract and the non-identification confirmation key, and return the bio-information verification result according to the full automatic request to the insurance company server 105. have.

2 is a diagram showing the functional configuration of the terminal device 200 and the program 245 according to an embodiment of the present invention.

In more detail, this figure 2 communicates with the insurance company server 105 provided in an insurance agency interworking with the management server 100 provided in the management agency to sign an insured's insurance contract for a predetermined insurance product handled by the insurance agency. Create an electronic contract for the insurance contract, extract the template from the insured's bio-information for the insurance contract, provide it to the insurance company server 105, and link the insurance company server 105 and the management server 100 to the electronic contract As a diagram showing the configuration of a program 245 that implements a function for performing the insured's simple signature processing and electronic signature processing for the insured, and the configuration of the terminal device 200 in which the program 245 is installed, the technology to which the present invention pertains Those of ordinary skill in the art will be able to infer various implementation methods for the functions of the terminal device 200 equipped with the program 245 by referring to and/or modifying this figure 2. It is made including all the inferred implementation methods, and its technical characteristics are not limited to only the implementation methods illustrated in FIG. 2. Preferably, the terminal device 200 of FIG. 2 may include at least one of various mobile communication terminals, various mobile phones, various smartphones, and various tablet PCs.

According to an embodiment of the present invention, the terminal device 200 is a terminal operated by an insurance designer facing the insured and/or contractor (if the insured and the contractor are different), or in some cases, the insured (or the contractor) It may be a terminal operated directly, or a terminal provided at the head office or branch of an insurance agency.

Referring to FIG. 2, the terminal device 200 includes a control unit 205, a memory unit 240, a screen output unit 210, a user input unit 215, a sound processing unit 220, and a wireless network communication unit 230. And a local area network communication unit 235, and a battery for supplying power. Meanwhile, according to an embodiment of the present invention, the terminal device 200 may further include a sensor unit 225 for recognizing the bioinformation of the insured and extracting a template.

The control unit 205 is a generic term for a configuration that controls the operation of the terminal device 200, and includes at least one processor and an execution memory, and each component and bus provided in the terminal device 200 ( BUS). According to the present invention, the control unit 205 loads and calculates at least one program code provided in the terminal device 200 in the execution memory through the processor, and configures at least one result through the bus. Control to the operation of the terminal device 200 by transmitting to the negative. Hereinafter, for convenience, a configuration corresponding to the program 245 of the present invention implemented in the form of a program code will be described and illustrated in the control unit 205.

The memory unit 240 is a generic term for a non-volatile memory corresponding to the storage resource of the terminal device 200, at least one program code executed through the control unit 205, and at least one used by the program code Save and maintain the data set. The memory unit 240 basically includes a system program code and a system data set corresponding to an operating system of the terminal device 200, a communication program code and a communication data set processing at least the wireless communication connection of the terminal device 200, and at least One application program code and application data set are stored, and the program code and data set corresponding to the program 245 of the present invention are also stored in the memory unit 240.

The screen output unit 210 includes a screen output device (for example, an LCD (Liquid Crystal Display), etc.) and an output module driving the same, and is interlocked with the control unit 205 to perform various calculation results of the control unit 205 The calculation result corresponding to the output of the screen is output to the screen output device.

According to an embodiment of the present invention, insurance information, contract information, contract terms, electronic contract, etc. may be output through the screen output unit 210.

The user input unit 215 includes one or more user input devices (eg, a button, a keypad, a touch pad, a touch screen interworking with the screen output unit 210), and an input module for driving the same, and the control unit 205 ) And input commands for instructing various operations of the control unit 205 or input data necessary for the operation of the control unit 205.

The sound processing unit 220 includes a speaker, a microphone, and a sound module driving the same, and decodes sound data corresponding to a sound output among various calculation results of the control unit 205 through the speaker. It outputs or encodes a sound signal input through the microphone and transmits it to the control unit 205.

The sensor unit 225 is a generic term for a functional component unit that recognizes the insured person's bioinformation, and may include at least one sensor module for recognition of bioinformation such as a fingerprint, an iris, a vein, a face, a voice, and a signature. However, the bio-information recognized through the sensor unit 225 of the present invention is not limited to the above-described bio-information, and any bio-information recognizable from the insured according to the intention of a person skilled in the art may be included in the scope of the present invention. This is clearly stated.

The wireless network communication unit 230 and the local area network communication unit 235 are generic terms for communication resources that connect the terminal device 200 to a designated communication network. Preferably, the terminal device 200 may include the wireless network communication unit 230 as a basic communication resource, and may include one or more local area network communication units 235.

The wireless network communication unit 230 is a generic term for communication resources connecting the terminal device 200 to a wireless communication network via a base station. Antenna, RF module, baseband module, and signal for transmitting and receiving radio frequency signals in a specific frequency band Consists of at least one processing module, and is connected to the control unit 205 and transmits calculation results corresponding to wireless communication among various calculation results of the control unit 205 through a wireless communication network or receives data through a wireless communication network. Then, the controller 205 performs the procedure of access, registration, communication, and handoff of the wireless communication. According to the present invention, the wireless network communication unit 230 may connect the terminal device 200 to a communication network including a communication channel and a data channel via an exchange, and in some cases, packet communication without passing through the exchange. It can connect to a data network that provides data communication (eg, the Internet) based wireless network.

According to an embodiment of the present invention, the wireless network communication unit 230 is a mobile communication that performs at least one of access, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to CDMA/WCDMA/LTE standards. Configuration. Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 230 may further include a portable Internet communication configuration that performs at least one of access, location registration, data communication, and handoff according to the IEEE 802.16 related standard. It is apparent that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 230. That is, the wireless network communication unit 230 is a generic term for a component that accesses the wireless communication network through a cell-based base station regardless of the frequency band of the wireless section or the type or protocol of the communication network.

The local area network communication unit 235 is a generic term for communication resources that connect a communication session using a radio frequency signal as a communication medium within a certain distance (for example, 10 m) and connect the terminal device 200 to the communication network based on this. , Preferably, the terminal device 200 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to the present invention, the local area network communication unit 235 may connect the terminal device 200 to a data network that provides short-range wireless data communication based on packet communication through a wireless AP.

The control unit 205 of the terminal device 200 downloads and installs the program 245 of the present invention from a designated program providing server (for example, an Apple App Store) through a data network to which the communication resource is accessible. It can be done. On the other hand, the program 245 downloaded and installed in the terminal device 200 is a combination of the terminal device 200 and the program 245 (or the program 245) installed at the first execution (or before information registration) after installation. The process of generating medium identification information (eg, device token, UUID, etc.) for identifying the terminal device 200 or the program 245 installed in the terminal device 200 as a unique medium, or being assigned through a designated server. It is possible to perform the procedure of registering the medium identification information uniquely identifying the combination of the terminal device 200 and the program 245 as a unique medium to the designated insurance company server 105 or management server 100. have.

Meanwhile, the program 245 of the terminal device 200 specifies the terminal device information (for example, a phone number, IMSI, IMEI, etc.) that uniquely identifies the terminal device 200, or the insurance company server 105 or the management server 100. In this case, the insurance company server 105 or the management server 100 may store and manage the medium identification information and the terminal device information in association. Meanwhile, the program 245 of the terminal device 200 is user information (eg, unique ID, name, date of birth) that uniquely identifies a user (eg, an insurance agent, etc.) of the terminal device 200 having the program 245 installed. Etc.) can be performed. In this case, the insurance company server 105 or the management server 100 may store and manage the medium identification information and the user information.

Referring to FIG. 2, the program 245 of the terminal device 200 includes a contract information input unit 250 for inputting and selecting one or more contract conditions for entering into a contract for a predetermined insurance product provided by the insurance company , A simple signature processing unit 255 for processing the simple signature of the insured (or contractor) confirming the contents of the contract on the electronic contract, and the insurer server 105 requesting an encryption key to encrypt the template extracted from the insured's bio information The encryption key acquiring unit 260 to be received and the information extracting unit 265 for extracting the template from the bioinformation from the insured person recognized through the sensor unit 225, and the information encryption for encrypting the insured bioinformation with the encryption key A portion 270 and an information providing unit 275 that provides the bio information encrypted with the encryption key to the insurance company server 105 may be provided.

The contract information input unit 250 may input or select a contract condition for an insurance product to be insured by the insured through the screen output unit 210 and/or the user input unit 215.

When the input or selection of the contract conditions is completed, the contract information input unit 250 may transmit the input or selected contract-related information to the insurance company server 105 to request generation of an electronic contract corresponding to the contract conditions. .

In addition, when the contract information input unit 250 generates an electronic contract corresponding to the contract terms in the insurance company server 105, the electronic contract including the generated contract information is provided from the insurance company server 105, and the The provided electronic contract can be output so that the insured and/or contractor can recognize it.

When the electronic contract is output through the contract information input unit 250, the simple signature processing unit 255 checks one or more signature fields on the electronic contract so that the insured can sign the verified signature column.

According to an embodiment of the present invention, the simple signature processing unit 255 receives a simple signature token generated through the management server 100 from the insurance company server 105, and when the insured touches the corresponding signature column, the simple signature A simple signature can be processed by inserting a token.

The encryption key acquisition unit 260 may receive the encryption key generated by the insurance company server 105 or the management server 100 to encrypt the template extracted from the recognized insured bioinformation.

According to an embodiment of the present invention, the encryption key acquiring unit 260 processes a request for registering the insured bioinformation, recognizing the bioinformation to process an electronic signature, extracting a template, and processing an electronic consent In the process of extracting the template from the bio-information, the encryption key to encrypt the template extracted from the bio-information may be requested to the insurance company server 105 or the management server 100 to be provided.

Here, the encryption key may be provided in the insurance company server 105 or may be provided in the management server 100 interworking with the insurance company server 105. When an encryption key is provided in the management server 100, the insurance company server 105 requests and receives an encryption key from the management server 100, and provides the provided encryption key to the terminal device 200 can do.

When the encryption key is received through the encryption key acquiring unit 260, the information extraction unit 265 recognizes the bio information of the insured and outputs an interface for extracting the template, and the bio of the insured through the interface. Templates can be extracted from information.

When the template is extracted from the insured bioinformation through the information extraction unit 265, the information encryption unit 270 may encrypt the extracted template with the received encryption key.

When the template of the insured is encrypted through the encryption key through the information encryption unit 270, the information providing unit 275 may provide the encrypted template to the insurance company server 105.

FIG. 3 is a diagram showing a process of registering bio information of an insured person according to an embodiment of the present invention.

In more detail, FIG. 3 is a predetermined agreement to be signed between a contractor and an insurance company on a bioinformation-based electronic subscription processing system composed of the terminal device 200 and the insurance company server 105 and the management server 110 shown in FIG. 1. After obtaining the bioinformation of the insured person (which may be the same person as the contractor) in a special relationship with the contractor for the contract of, and generating the non-identification confirmation key corresponding to the template extracted from the insured bioinformation, The process of separating a template of a ticket and a receipt into pieces and storing the non-identification confirmation key in the insurance company server 105 and the management server 110 in association with the ticket and the receipt separated into pieces, respectively, If a person having ordinary knowledge in the technical field to which the present invention belongs, various implementation methods (for example, some steps are omitted, or an order) for the process of registering the bioinformation of the insured person by referring to and/or modifying this figure 3 (The modified implementation method) may be inferred, but the present invention includes all the inferred implementation methods, and its technical characteristics are not limited to only the implementation method illustrated in FIG. 3.

Referring to FIG. 3, the illustrated implementation process may be initiated from a process in which the terminal device 200 requests registration of the insured's bio information from the insured's insurer's server 105 (300).

When bio-information registration of the insured person is requested from the terminal device 200, the insurance company server 105 requests the terminal device 200 to face-to-face or non-face-to-face verification (305).

When the identification information for the identification of the insured person is input to the terminal device 200, the terminal device 200 transmits the input identification information of the insured person to the insurance company server 105 (310).

When the insurance company server 105 receives the identity verification information of the insured person from the terminal device 200, and performs the identity verification procedure through the identity verification information of the insured person, and when the identity verification procedure is successfully performed, the The management server 100 requests a bioinformation encryption key for registering the insured bioinformation (315).

When the request for the encryption key is confirmed from the insurance company server 105, the management server 100 generates or extracts an encryption key to encrypt the insured bioinformation (template) (320), and the generated or extracted encryption The key is provided to the insurance company server 105 (325).

If the encryption key is provided in the insurance company server 105, it may be omitted as a process of requesting and receiving the encryption key from the management server 100.

The insurance company server 105 receives an encryption key from the management server 100 and provides the provided encryption key to the terminal device 200 (330).

The terminal device 200 receives the encryption key from the insurance company server 105, outputs an interface for recognizing the bioinsured information, and then recognizes the bioinsured information through the interface (335).

When the bio information of the insured person is recognized, the terminal device 200 extracts a template from the recognized bio information, encrypts the extracted template with the encryption key, and transmits it to the insurance company server 105 (340).

The insurance company server 105 encrypts the template transmitted from the terminal device 200 with a symmetric key, and encrypts the symmetric key with a public key (345).

Then, the insurance company server 105 requests personal identification information (for example, a resident registration number, etc.) for generating a registration lookup key to the terminal device 200 (350).

The terminal device 200 receives the personal identification information from the insured and transmits it to the insurance company server 105 (355), and the insurance company server 105 hashes the transmitted personal identification information to generate a registration availability inquiry key (360).

When the registration status query key is generated, the insurance company server 105 transmits the generated registration status query template and the template to the management server 100 and requests registration of the insured bio information (template) (365).

The management server 100 decrypts the template received from the insurance company server 105 with a private key, verifies the validity, and then generates a non-identification confirmation key (370).

Then, the management server 100 combines the template and the registration availability inquiry key, generates and stores the signature value with the management agency's private key (375), and then separates the template into a ticket piece and a receipt piece, The separated receipt fragment, non-identification confirmation key, and registration status inquiry key are stored (380).

The management server 100 sends the separated ticket piece, non-identification key, and signature value to the insurance company server 105 to return the result of registering bio-information (385).

The insurance company server 105 stores the transmitted ticket fragment, non-identification key, and signature value, notifies the terminal device 200 of the completion of the registration of bio information (395), and the terminal device 200 displays the Confirm the completion of bio-information registration (397).

4 is a diagram illustrating a process of processing a bio-electronic signature according to an embodiment of the present invention.

In more detail, in FIG. 4, after the bio-information of the insured person is registered through the process of FIG. 3, the electronic information-based electronic subscription processing consisting of the terminal device 200, the insurance company server 105, and the management server 110 is processed. On the system, an electronic contract for a predetermined insurance contract to be concluded between a contractor and an insurance company is generated, a simple signature is performed on the signature column on the generated electronic contract, and then the electronic signature for the electronic contract on which the simple signature is performed is processed. As shown in the figure, a person having ordinary skill in the art to which the present invention pertains, various implementation methods (eg, some steps) for the process of processing the bio-electronic signature by referring to and/or modifying this figure 4 (Omitted or the order of the implementation method is changed) may be inferred, but the present invention includes all the inferred implementation methods, and its technical characteristics are not limited to only the implementation method illustrated in FIG. 4.

Referring to FIG. 4, in the illustrated implementation process, the insured's bio-information is divided into a ticket piece and a receipt piece through the process of FIG. 3, and the insurance company server 105 and the management server 100 respectively identify the insured person's non-identification. After being stored together with the key, the terminal device 200 recalls contract information (or contract-related information) including contractor information, insured information, and terms and conditions related to a predetermined insurance contract to be concluded between the insurer and the contractor for the insured. It may be started from the process of input or selection through the screen output unit 210 and/or the user input unit 215 of the terminal device 200 (400).

When the input or selection of the contract-related information is completed, the terminal device 200 transmits the input or selected contract-related information to the insurance company server 105 to request generation of an electronic contract corresponding to the contract information ( 405).

The insurance company server 105 receives input or selected contract information from the terminal device 200 and generates an electronic contract with the contractor (410). Then, the insurance company server 105 provides the generated electronic contract to the terminal device 200 to directly check the insured person or to confirm the insured person through the contractor (415).

When the electronic contract is confirmed, the terminal device 200 requests the insurance company server 105 to generate a simple signature token for signing one or more signature fields provided on the electronic contract (420).

The insurance company server 105 transmits the template, ticket fragment, non-identification confirmation key, and electronic contract hash value to the management server 100 when the simple signature token is requested from the terminal device 200 Request to generate a simple signature token (425).

The management server 100 issues a bio token ID according to the request for generating the simple signature token, generates a simple signature token (430), and then the terminal via the terminal device 200 (or the insurance company server 105). The device 200 provides the bio-token ID and returns a simple signature token (435).

The terminal device 200 confirms the reply of the simple signature token, and performs a simple signature by inserting the simple signature token in the signature column of the electronic contract (440).

Here, when there are two or more signature lines of the electronic contract, the terminal device 200 repeats the simple signature execution procedure using the simple signature token (445).

When the simple signature is normally performed, the terminal device 200 recognizes the bio information of the insured person, extracts the template (450), encrypts the extracted template with an encryption key, and returns the bio electronic to the insurance company server (105). Request to generate a signature (455).

The insurance company server 105 provides a template provided from the terminal device 200, a ticket fragment stored in the insurance company server 105, a non-identification confirmation key, and an electronic contract (h) to the management server 100 to provide bioelectronics. Request to generate a signature (460).

The management server 100 combines the ticket fragment provided from the insurance company server 105 and the receipt fragment stored in the management server 100 to perform a comparative verification with the template, and issues an authentication number for the verification result, A management institution signature token is generated (465).

Then, the management server 100 combines the electronic contract (h), the non-identification verification key, and the signature token to process the electronic signature with a piece of ticket, and the electronic signature processing value and the electronic signature serial number are used by the insurance company server 105 ) To reply to the electronic signature processing (470).

The insurance company server 105 stores the electronic signature processing value and the electronic signature serial number provided from the management server 100 and returns the electronic signature completion to the terminal device 200 (475).

The terminal device 200 confirms an electronic signature completion reply from the insurance company server 105, and the electronic signature generation process ends (480).

5 is a view showing a process for processing bio-electronic consent according to an embodiment of the present invention.

In more detail, FIG. 5 is a bioinformation-based electronic subscription consisting of a terminal device 200, an insurance company server 105, and a management server 110 after the simple signature and the electronic signature are processed through the process of FIG. It shows a process for processing bio-electronic consent on a processing system, and those skilled in the art to which the present invention pertains may refer to FIG. 5 and/or modify the process for processing the bio-electronic consent. Various implementation methods (for example, an implementation method in which some steps are omitted or an order is changed) may be inferred, but the present invention includes all the inferred implementation methods, and only the implementation method shown in FIG. Its technical characteristics are not limited.

Referring to FIG. 5, the illustrated implementation process recognizes the bioinformation of the insured and extracts the template from the terminal device 200 after the simple signature and the electronic signature of the insured's electronic contract are processed through the process of FIG. 4. It can be initiated from the process (500).

When the template is extracted, the terminal device 200 encrypts the extracted template with an encryption key and returns to the insurance company server 105 to request full automatic generation (505).

The insurance company server 105 hashes the combination of the electronic contract and the non-identification verification key, and hash (510), the template, the electronic contract (h), the ticket fragment stored in the insurance company server 105, and the non-identification verification key. (100) to request bio-information verification (515).

The management server 100 combines the ticket fragment provided by the insurance company server 105 and the receipt fragment stored in the management server 100 and compares the template to perform bio-information verification, and compares bio-information verification results. Save (520).

Then, the management server 100 returns the verification result of the bio-information to the insurance company server 105 (525), and the insurance company server 105 returns the completion of the bio-automatic operation to the terminal device 200 ( 530).

The terminal device 200 confirms the completion reply of the full automatic from the insurance company server 105, and the process of generating the full automatic ends (535).

100: management server 105: insurance company server
110: encryption key providing unit 115: non-identification verification key generation unit
120: information registration unit 125: simple token generation unit
130: electronic signature processing unit 135: fully automatic processing unit
140: road lookup key generation unit 145: contract generation unit
150: non-identification key combination
200: terminal device

Claims (12)

In the electronic subscription processing system comprising a terminal device equipped with a sensor unit for extracting bio information, a management server provided in a management agency that manages bio information, and an insurance company server provided in an insurance agency that handles insurance products,
An encryption key providing unit that provides an encryption key for encrypting bio information;
An information extraction unit for extracting bio information to be encrypted with an encryption key;
An information encryption unit that encrypts the extracted bio information with an encryption key;
A registration lookup key generator for hashing the insured's resident registration number to generate a registration lookup key;
A non-identification confirmation key generator for generating a non-identification confirmation key for registering bio-insured information of the insured;
Information registration unit that divides the insured's bio information into a receipt piece and a ticket piece, and stores the receipt piece on the management server by mapping it with the non-identification confirmation key and stores it on the insurance company server by mapping the ticket piece with the non-identification confirmation key. ;
A contract generator for generating an electronic contract including contract information for subscription of the insurance product;
A simple token generating unit for verifying the bio-information of the encrypted insured and generating a simple signature token to be used for an electronic signature according to a simple signature request;
A simple signature processing unit for processing the simple signature by inserting the generated simple signature token in the electronic contract;
An electronic signature processing unit which processes the electronic signature of the insured in the electronic contract processed with the simple signature according to the electronic signature request;
A non-identification confirmation key combining unit for generating a hash value by combining with the electronic contract and the non-identification confirmation key of the insured person after the bio-information of the insured person is encrypted and transmitted according to the request of the automatic agreement; And
Bio-information-based electronic subscription processing comprising; a full-automation processing unit for verifying the bio-information of the insured and processing the auto-agreement using the insured bio information, the ticket piece of the bio information of the insured, the hash value, and the non-identification confirmation key system.
The method of claim 1, wherein the non-identification confirmation key generation unit,
After verifying the validity by verifying the validity of the insured person encrypted with the encryption key and the registration lookup key generated with the resident registration number of the insured person requesting the registration of the bioinformation, and decrypting the bioinformation of the insured person to verify the validity An electronic subscription processing system based on bio-information, characterized by generating an identification confirmation key.
The method of claim 1, wherein the information registration unit,
An electronic subscription processing system based on bioinformation, characterized by combining the bioinformation of the insured person to be registered with the registration availability inquiry key and generating and storing a signature value with the private key of the management institution.
According to claim 1, The contract generation unit,
An electronic subscription processing system based on bioinformation, characterized by generating an electronic contract based on insured information, contractor information, and contract condition information input or selected and received from the terminal device.
According to claim 1, The simple token generation unit,
Verify the insured's ticket fragments mapped to the insured's non-identification verification key and stored in the insurer, and combine with the insured's receipt fragments mapped to the non-identification verification key to verify the insured's bio-information, , Biometric information-based electronic subscription processing system characterized by issuing an authentication ID corresponding to the insured bioinformation verification result.
According to claim 5, The simple token generation unit,
An electronic subscription processing system based on bioinformation, characterized in that the issued ID of the insured person is provided to the simple signature processing unit together with a simple signature token.
The method of claim 1, wherein the simple signature processing unit,
A bioinformation-based electronic subscription processing system characterized by processing a simple signature by inserting a simple signature token in one or more signature fields included in the electronic contract.
According to claim 1, The electronic signature processing unit,
Verify the insured's ticket fragments mapped to the insured's non-identification verification key and store the insured's bio-information by combining it with the insured's receipt fragment mapped to the non-identification verification key and stored in the management institution , Biometric information-based electronic subscription processing system characterized by issuing an authentication ID corresponding to the insured bioinformation verification result.
The electronic signature processing unit of claim 8,
When the bioinformation of the insured person is verified, a signature token is generated using the signature value of the management institution, and the generated signature token is combined with an electronic contract and a non-identification confirmation key for which a simple signature is processed, and an electronic signature as an insured ticket piece Bio-information-based electronic subscription processing system characterized in that the processing.
The method of claim 1, wherein the fully automatic processing unit,
Check the non-identification confirmation key mapped with the ticket piece of the insured person, confirm the receipt piece of the insured person mapped to the identified non-identification confirmation key, and then combine the ticket piece and the receipt piece to combine the An electronic subscription processing system based on bioinformation, characterized by verifying the bioinformation of the insured.
The method of claim 1, wherein the automatic processing unit,
An electronic subscription processing system based on bioinformation, characterized in that a hash value is stored when the insured's bioinformation is verified.
According to claim 1,
The information extraction unit, the information encryption unit and the simple signature processing unit are implemented through a terminal device,
The registration query key generation unit and the contract generation unit and the non-identification confirmation key combination unit are implemented through an insurance company server,
The encryption key providing unit, the non-identification confirmation key generation unit, the information registration unit, the simple token generation unit, the electronic signature processing unit, and the automatic consent processing unit are implemented through a management server, and the electronic information-based electronic subscription processing system.

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