RU215982U1 - A device for the remote provision of insurance services using the recognition of an electronic passport of the Russian Federation on a plastic card - Google Patents

Abstract

The utility model relates to the field of automation and computer technology, in particular to a system for the remote provision of insurance services using an electronic passport of the Russian Federation on a plastic card. The technical result is the remote presentation of insurance services in real time without the need for the user's personal presence when applying for insurance and issuing an insurance policy. The technical result is achieved by the fact that the system contains a module 1 for receiving an insurance application, a module 2 for selecting user addresses, a module 3 for managing a selection of user data, a module 4 for generating signals for recording and reading user data, a module 5 for verifying images of a visual photo of the user's face and a photo of the user's face from an electronic passport, a module 6 for receiving user data from the database of the system server, a module 7 for identifying the details of the passport data of users, a module 8 for issuing transactions to users. 7 ill.

Description

The utility model relates to the field of automation and computer technology, in particular, to a system for the remote provision of insurance services using an electronic passport of the Russian Federation on a plastic card.

From the prior art known technical solutions to the problem [1, 2].

The first known technical solution for providing an insurance service, through which a user can request information from a centralized database, contains a central computer (host) with a centralized database and remote user terminals [1]. This system has a single database for users and is designed to provide a single type of service for users related to endowment life insurance.

The disadvantage of this technical solution is the technical impossibility of verifying the user's identity during registration, tk. video identification occurs only during re-authentication, and during registration, only user data is loaded.

Another technical solution of the task is also known, containing the insurer's station, the server of the insurance company communicated with it by a two-way channel for concluding and maintaining contracts, and the station of the insurance manager associated with the two-way channel for maintaining insurance contracts, the station of cash transactions, the server for organizing monetary settlements and the server of securities, moreover, the cash transaction station is connected to the station of the insurance manager and the station for organizing cash settlements by a two-way channel for registering cash transactions and a channel for transmitting information about the movement of funds, respectively, and the securities server is connected by a two-way channel for recording securities transactions with the server for organizing cash settlements and a two-way control channel and management of the financial condition of the insurance company with the server of the insurance company

Acceptance of user requests for the provision of insurance services is carried out only with the personal presence of users with the submission of the necessary passport data [2].

The last of the above technical solutions is the closest to the one described.

Its disadvantage lies in the low speed of the system, due to the inability to remotely receive requests for the provision of insurance services and their implementation in real time.

The purpose of the utility model is to increase the speed of the system by eliminating the need for the personal presence of users when applying for insurance and issuing an insurance policy.

This goal is achieved by the fact that in a system containing a module for receiving an application for insurance, the information input of which is the first information input of the system intended for receiving an application for insurance, the synchronizing input of the module for receiving an insurance application is the first synchronizing input of the system,

intended for entering an insurance application into the module for receiving an application for insurance, and the first information output of the module for receiving an application for insurance is an information output of the system intended for issuing personal data of users to the information input of the system database server, the module for receiving user data from the database of the system server , the first and second information inputs of which are the second and third information inputs of the system, designed to receive data and transactions of the system server database, respectively, the first synchronizing input of the module for receiving user data from the system server database is the second synchronizing system input intended for making records system server database into the module for receiving user data from the server database, and the second synchronizing input of the module for receiving data from the system server database is the third synchronizing input of the system, intended for entering system server transactions into the module for receiving user data from the server database, the user address selection module, the information input of which is connected to the second information output of the module for receiving an insurance application, and the synchronizing input of the user address selection module is connected to the first synchronizing input of the system, the module identifying the details of the passport data of users, one information input of which is connected to the first information output of the module for receiving an application for insurance, the other information input of the module for identifying the details of the passport data of users is connected to the first information output of the module for receiving user data from the database of the system server, and the synchronizing input of the identification module details of the passport data of users is connected to the first synchronizing output of the module for receiving user data from the database of the system server, the module for generating write and read signals user data, the information input of which is connected to the first information output of the module for selecting user addresses, the synchronizing input of the module for generating signals for writing and reading user data is connected to the synchronizing output of the module for selecting user addresses, while the address output of the module for generating signals for writing and reading user data is an address output of the system intended for issuing addresses for writing and reading data to the address input of the database server, the first synchronizing output of the module for generating signals for writing and reading user data is the first synchronizing output of the system intended for issuing signals to the input of the first interrupt channel of the database server, and the second synchronizing the output of the module for generating signals for writing and reading subscriber data is the second synchronizing output of the system, intended for issuing signals to the input of the second interrupt channel of the base server user data selection control module, the information input of which is connected to the second information output of the user address selection module, the synchronizing input of the user data selection control module is connected to the synchronizing output of the user address selection module, and the counting input of the user data selection control module is connected to the first output of the module identification of user passport data details, wherein the first output of the user data sampling control module is connected to the first counting input of the module for generating signals for writing and reading user data, and the second output of the user passport data details identification module is the first signal output of the system intended for issuing control signals to input of the second interrupt channel of the database server; and the second information inputs of which are connected to the third and fourth information outputs of the module for receiving an insurance application, respectively, and the synchronizing input of the module for verifying images of a visual photo of the user's face and a photo of the user's face from an electronic passport is connected to the second output of the user data selection control module, while one output the module for verifying the images of the visual photo of the user's face and the photo of the user's face from the electronic passport is connected to the second counting input of the module for generating signals for writing and reading user data, the other output of the module for verifying the images of the visual photo of the user's face and the photo of the user's face from the electronic passport is the second signal output of the system, designed to issue control signals to the input of the third interrupt channel of the system database server, and a module for issuing transactions to users, the address input of which is connected to the fifth information output of the mod To receive an insurance application, the information input of the module for issuing transactions to users is connected to the second information output of the module for receiving user data from the database of the system server, and the synchronizing input of the module for issuing transactions to users is connected to the second synchronizing output of the module for receiving user data from the database of the system server, with In this case, the information outputs of the module for issuing transactions to users are a group of information outputs of the system.

The essence of the utility model is illustrated by the drawings, where in Fig. 1 shows a block diagram of the system, Fig. 2 is a block diagram of the user address selection module, in FIG. 3 is a block diagram of the user data sampling control module, FIG. 4 is a block diagram of the module for generating signals for writing and reading data, in FIG. 5 is a block diagram of the module for receiving data from the database of the system server, in FIG. 6 is a block diagram of the module for issuing transactions to users, in FIG. 7 - an example of an electronic passport of the Russian Federation on a plastic basis.

The system (Fig. 1) contains a module 1 for receiving applications for insurance, a module 2 for selecting user addresses, a module 3 for managing a selection of user data, a module 4 for generating signals for recording and reading user data, a module 5 for verifying images of a visual photo of a user's face and a photo of a user's face from electronic passport, module 6 for receiving user data from the system server database, module 7 for identifying the details of user passport data, module 8 for issuing transactions to users.

In FIG. 1 shows the first 10, second 11, and third 12 information inputs of the system, the first 13, second 14 and third 15 synchronizing inputs of the system, as well as information 16, address 17, first 18 and second 19 synchronizing, first 20 and second 21 signal outputs of the system , and information outputs 22-24 of the system group.

Module 1 (Fig. 1) for receiving applications for insurance is made in the form of a register having information 10 and 13 synchronizing inputs, as well as the first 70, second 71, third 72, fourth 73 and fifth 74 information outputs.

Module 2 (Fig. 2) selection of user data addresses contains a decoder 25, a memory block 26, made in the form of a read-only memory device, elements 27-29 And delay elements 30-31. The drawing shows information 32 and synchronizing 33 inputs, as well as the first 34 and second 35 information, and synchronizing 36 outputs.

Module 3 (Fig. 3) control the sampling of user data contains a register 37, a counter 38, a comparator 39, a delay element 40.

The drawing shows information 41, synchronizing 42 and counting 43 inputs, as well as the first 44 and 45 second synchronizing outputs.

Module 4 (Fig. 4) generating signals for writing and reading data contains a counter 46, OR elements 47-48, delay elements 49, 50. The drawing shows information 51, synchronizing 52, the first 53 and 54 second counting inputs, also address 14, the first 16 and second 17 synchronizing outputs.

Module 5 (Fig. 1) for verifying images of a visual photo of the user's face and a photo of the user's face from an electronic passport is made in the form of a comparator having the first 55 and second 58 information inputs, synchronizing input 57, and the first 58 and second 59 outputs.

Module 6 (Fig. 5) receiving data from the database server system contains the first 80 and second 81 registers, the first 82 and second 83 delay elements. The drawing shows the first 11 and second 12 information inputs, the first 14 and second 15 synchronizing 13 inputs, as well as the first 84 and second 85 information, the first 86 and second 87 synchronizing outputs.

Module 7 (Fig. 1) identifying the details of the passport data of users is made in the form of a comparator having the first 62 and second 63 information inputs, and synchronizing 64 input, as well as the first 65 and second 66 outputs.

Module 8 (Fig. 6) issuing transactions to users contains a decoder 90 and groups 91-93 of elements And.

Insurance is usually understood as the process of establishing and maintaining contractual relations between the buyer of insurance services (the insured) and their seller (the insurer). Internet insurance is a set of elements of interaction between an insurance company and its client, arising in the process of selling an insurance product, servicing it and paying insurance compensation, if it is fully or mostly carried out using the Internet.

Internet insurance technology is simple: a client can choose and purchase an insurance product based on the description of the service, advice, online consultations. An insurance product is a financially formalized means of insurance protection. It includes an insurance contract and an insurance certificate (policy), a green card, a pension contract.

After the calculation of the insurance premium by the insurer, if the client agrees to the proposed conditions, he chooses the process and method of payment (for example, using a plastic card), as well as the method of delivery of the insurance contract and policy. Having paid for the policy, the client receives it by mail or in electronic form with the EDS of the insurance company.

The complex of Internet insurance, as a rule, includes:

calculation of the amount of the insurance premium and determination of the conditions for its payment;

filling out an insurance application form;

ordering and directly paying for an insurance policy;

making periodic payments (deferred insurance premium);

maintenance of the insurance contract during its validity period (information exchange between the insurer and the policyholder - the formation of arbitrary reports at the request of users, including reports on the status and history of changes in contracts, receipts and payments);

exchange of information between the insured and the insurer upon the occurrence of an insured event, etc.

The system works as follows.

After the user remotely accesses the website of the insurance company with a completed insurance application form, he is offered, using a smartphone and the software application installed on it, to perform the user identification procedure as follows.

First, the smartphone's camera is pointed at the user's face, and the face image analysis smartphone application program extracts and stores the digital image of the user's face.

Secondly, the smartphone camera is directed to the electronic passport of the Russian Federation on a plastic card, proving the user's identity, and the application program recognizes the text and numerical details of the document and highlights the user's photo in the passport.

Thirdly, the mobile phone number is indicated as the address for remote communication with the user.

As a result, an insurance application codegram will be generated in the memory of the user's smartphone, which is sent to the information 10 input of module 1 of the system and then entered into register 1 by a synchronizing pulse coming from input 13 of the system to the synchronizing input of module 1.

At the first stage of the system operation, the fact is checked whether the given user is a client of the given insurance company.

To this end, the code of the first three initial letters of the user's last name, first name, patronymic from output 71 of register 1 is fed to input 32 of decoder 25. Decoder 25 decodes the code of this letter combination, outputting a high potential to one of its outputs.

For definiteness, we assume that a high potential has arrived at one input of element 29 I. In parallel with this, a synchronizing pulse from input 12 of module 1 enters input 33 of module 2, is delayed by element 31 for the time the application codegram is received by module 1, and then enters one of the inputs elements 27-29 And, polling the states of the specified elements.

Given the fact that only element 29 will be open at the second input, then, having passed this element, the clock pulse arrives, firstly, at the read input of a fixed memory cell of read-only memory (ROM) 26, where the base address of the server memory zone is recorded, which stores all records of personal data of users with the same code combination of the initial letters of the last name, first name and patronymic, and the number of such records.

The structure of the entry in the ROM memory cell is as follows:

The contents of the fixed memory cell of the ROM 26 is read to the outputs 34 and 35, respectively.

Secondly, the same clock pulse from the output of element 30 is delayed by delay element 31 for the time of reading the contents of a fixed cell of memory block 26, and then fed to output 36.

The base address code from output 34 of module 2 through input 51 of module 4 is fed to the information input of the counter 46, and the code for the number of records with the specified combination of initial letters of the last name, first name, patronymic from output 35 of module 2 is fed through input 41 of module 3 to the information input of register 37 .

The clock pulse from the output 36 of module 2 arriving at the clock input 52 of module 4 and at the clock input 42 of module 3 codes of the base address of the code combination and the number of such records in the database of the database server are entered into the counter 46 of the module 4 and into the register 37 of the module 3, respectively .

As a result of this operation, the first address of the record of the database server memory zone, from which the records of insurance company clients begin with a given code combination of the initial letters of the last name, first name, patronymic, will be set.

The same synchronization pulse from input 52 of module 4 passes element 48 OR, delayed by element 49 for the duration of the counter 46 and then issued to output 18 of the system, from where it enters the first interrupt channel of the database server.

On this signal, the database server switches to the subroutine for reading user data from the server database and issuing them to the information input 11 of the module 6, where the data is entered by the server's synchronizing signal coming to the input 14 of the system.

The structure of the user data record codegram received by module 6 from the system server database is as follows:

From the output 84 of the module 6, the user's identification data is fed to one information input 63 of the module 7. The other information input 62 of the module 7 from the output 70 of the module 1 receives the user's identification data from the input codegram of the insurance application.

At the same time, the clock pulse from the input 14 of the system is delayed by the delay element 82 for the time the code is entered into the register 80 of module 6, and then goes to the clock input 64 of module 7. If the identification data at the inputs 62 and 63 of module 7 do not match, then module 7 generates a signal about the fact that the codes do not match and outputs it to output 65.

This signal from output 65 of module 7 goes to input 43 of module 3 and then to the counter input of counter 38, which records the fact of reading the first user record from the system server database. The readings of the counter 38 are fed to one input of the comparator 39, the other input of which from the output of the register 37 receives the code of the total number of user records in the server database with a given letter combination.

According to the pulse from input 43 of module 3, delayed by element 40 for the duration of counter 38, comparator 39 compares the readings of counter 38 and register 37.

Considering that by this time the readings of the counter 38 are much less than the readings of the register 37, the comparator 39 generates a signal at the output 44, from where it is fed to the counting input 53 of the module 4 and then through the element 47 OR to the counting input of the counter 46, setting the write read address another user with a similar letter combination of last name, first name, patronymic.

In addition, the same clock pulse from input 53 passes through element 48 OR, then is delayed by element 49 for the duration of the counter 46, and from the output of module 4 is issued to the output 18 of the system, from where it again enters the input of the first interrupt channel of the database server.

On this signal, the server again switches to the subroutine for reading the contents of the next memory cell, the address of which is issued to the address output 17 of the system and writing its contents to module 6 from the information input 11 by the clock pulse coming to input 14.

The process of selecting user identification data and comparing them by module 7 will continue until module 7 fixes the match of input codes by generating a pulse at output 66, fixing the fact that user data is in the system server database.

In this case, the signal from the output 66 of the module 7 through the output 20 of the system is issued to the input of the third interrupt channel of the database server. On this signal, the database server switches to the subroutine for processing the user's application for insurance and generating an insurance policy.

If such a match of identification data does not occur after viewing all the records of the database of clients of this insurance company with a given code combination of the last name, first name and patronymic of the user, then a signal is generated at the output 45 of module 3, fixing the fact that this user is not registered in the system database.

This signal from the output 45 of module 3 is fed to the synchronizing input 57 of module 5, to one information input 55 of which, from the output 72 of module 1, the code of the digital photo of the image of the face of this user from the passport is supplied, and to the other information input 56 of which, from the output 73 of module 1, code of a digital visual image of the user's face captured by a smartphone.

If, as a result of comparing the codes, the digital visual photo and the digital photo from the user's electronic passport are identical, then a pulse is generated at the output 58 of the comparator 5, which, firstly, element 47 OR passes through the input 54 of the module 4 and enters the counting input of the counter 46 , increasing its readings by one, and thus forming the next address at the address 17 output of the system.

Secondly, the same pulse from the input 54 of the module 4 is delayed by the delay element 50 for the time the write address is generated in the counter 46 and is output to the system output 19, and then to the input of the second interrupt channel of the database server.

On this signal, the database server switches to the subroutine for recording the user's registration data from the output 70 of module 1 through the output 16 of the system to the system database and the formation of the requested insurance policy.

The prepared draft insurance policy in the form of an electronic transaction is issued to the information input 12 of the module 6 and is entered into the register 81 of the data module 6 by a synchronizing pulse arriving at the synchronizing 15 input of the module 6.

From the output 85 of module 6, the electronic transaction code enters the information input 95 of module 8, to the address input 94 of which, from the output 74 of module 1, the address code of the user who sent the application for insurance is submitted.

The decoder 90 of module 8 decrypts the user's address code and opens one of the groups of elements 91-93 AND, for example, elements 91 AND of the group, the other inputs of which receive the electronic transaction code. The synchronization pulse from the input 15 of the system is delayed by the delay element 83 of the module 6 for the time the electronic transaction code is entered into the register 81, and from the output 87 of the module 6 it enters the synchronization input 96 of the module 8. On this signal, the electronic transaction code is issued to the user.

If, as a result of comparing the codes, the digital visual photo and the digital photo from the user's passport do not match, then a pulse is generated at the output 59 of the comparator 5, which is fed through the output 21 of the system to the input of the fourth interrupt channel of the database server.

With the arrival of this signal, the database server switches to the subroutine for generating an electronic transaction for this user about the inability to verify the user based on the information provided and issue it to the user in the manner described above.

Thus, the proposed technical solution made it possible to significantly increase the speed of the system by eliminating the need for the personal presence of users when issuing an insurance policy.

Sources of information taken into account when compiling the description of the application

1 US Patent No. 5339239 (cl. G06F 15/40), 1995.

2. RF patent No. 2117327 (class G06F 15/40), 1997 (prototype).

Claims (1)

A device for the remote provision of insurance services, containing a module for receiving an insurance application, the information input of which is the first information input of the system, intended for receiving an application for insurance, the synchronizing input of the module for receiving an insurance application is the first synchronizing input of the system, intended for entering an application for insurance into the module receiving an insurance application, and the first information output of the module for receiving an insurance application is an information output of the system intended for issuing personal data of users to the information input of the system database server, the module for receiving user data from the system server database, the first and second information inputs of which are the second and third information inputs of the system, designed to receive data and transactions of the system server database, respectively, the first synchronizing input of the module for receiving user data from of the system server database is the second synchronizing input of the system, intended for entering the records of the system server database into the module for receiving user data from the server database, and the second synchronizing input of the module for receiving data from the system server database is the third synchronizing input of the system, intended for entering transactions of the system server to the module for receiving user data from the server database, the user address selection module, the information input of which is connected to the second information output of the module for receiving an insurance application, and the synchronizing input of the user address selection module is connected to the first synchronizing input of the system, the passport data details identification module users, one information input of which is connected to the first information output of the module for receiving an application for insurance, the other information input of the module for identifying the details of the passport data of users is connected to the first information output of the module for receiving user data from the database of the system server, and the synchronizing input of the module for identifying the details of the passport data of users is connected to the first synchronizing output of the module for receiving user data from the database of the system server, the module for generating signals for writing and reading user data, the information input of which connected to the first information output of the module for selecting user addresses, the synchronizing input of the module for generating signals for writing and reading user data is connected to the synchronizing output of the module for selecting user addresses, while the address output of the module for generating signals for writing and reading user data is the address output of the system intended for issuing addresses writing and reading data to the address input of the database server, the first synchronizing output of the module for generating signals for writing and reading user data is the first synchronous the system's sensing output intended for issuing signals to the input of the first interrupt channel of the database server, and the second synchronizing output of the module for generating signals for writing and reading subscriber data is the second synchronizing output of the system, intended for issuing signals to the input of the second interrupt channel of the database server, the control module user data selection, the information input of which is connected to the second information output of the user address selection module, the synchronizing input of the user data selection control module is connected to the synchronizing output of the user address selection module, and the counting input of the user data selection control module is connected to the first output of the passport data details identification module users, while the first output of the user data sampling control module is connected to the first counting input of the module for generating signals for writing and reading user data, and the second the output of the module for identifying the details of the passport data of users is the first signal output of the system, designed to issue control signals to the input of the second interrupt channel of the database server, characterized in that the system contains a module for verifying images of a visual photo of the user's face and a photo of the user's face from the electronic passport, the first and the second information inputs of which are connected to the third and fourth information outputs of the module for receiving an insurance application, respectively, and the synchronizing input of the module for verifying images of a visual photo of the user's face and a photo of the user's face from an electronic passport is connected to the second output of the user data sampling control module, while one output of the module verification of images of a visual photo of the user's face and a photo of the user's face from the electronic passport is connected to the second counting input of the module for generating signals for recording and reading user data, the other output is m The module for verifying images of a visual photo of the user's face and a photo of the user's face from the electronic passport is the second signal output of the system, designed to issue control signals to the input of the third interrupt channel of the system database server, and the module for issuing transactions to users, the address input of which is connected to the fifth information output of the module receiving an insurance application, the information input of the module for issuing transactions to users is connected to the second information output of the module for receiving user data from the system server database, and the synchronizing input of the module for issuing transactions to users is connected to the second synchronizing output of the module for receiving user data from the system server database, while information outputs of the module for issuing transactions to users are a group of information outputs of the system.

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