TW201314606A - Insurance contract operation system based on cloud computing, operation method, and transaction management tool - Google Patents

Abstract

An insurance contract operation system based on cloud computing comprises a policy review server and a service management tool. The policy review server receives an electronic insurance application document including an insurance application data and an electronic signature and an email address, and reviews if the electronic insurance application document complies with insurance application approval regulation. If so, then an electronic insurance policy is generated. The service management tool receives and combines the insurance application data, the electronic signature, and the email address to provide the electronic insurance application document containing the insurance application data and the electronic signature, and uses a communication unit to transmit the electronic insurance application document and the email address to the policy review server.

Description

Insurance contract operation system, operation method and business management tool based on cloud computing

The invention relates to an insurance contract operation system, an operation method and a business management tool, in particular to an insurance contract operation system, an operation method and a business management tool based on cloud computing.

The meaning of insurance in law and economics is a risk management approach that is primarily used to reduce the risk of economic loss. Insurance is defined as the transfer of the risk of an entity's potential loss to an average of a collection of entities by paying a fee. In order to confirm the validity of insurance, there is a standardized process for the sale and signing of insurance, and the insurance contract is used as a written basis. An insurance contract is a contract between an insured (insurance) and an insurance company to stipulate the rights and obligations in commercial insurance. Generally speaking, it includes a letter of guarantee and an insurance policy. The two constitute an offer and a promise, and the insurance includes the general agreed insurance clause. Composition.

The current insurance sales method is mainly for the insurance business personnel to carry written information of various insurance items, introduce the types of insurance items to the insured (guarantee), and recommend the insured (insurance) according to the professional and experience of the insurance business personnel. Suitable insurance items. When the insured (insurance) decides the insurance program that he wants to insure, the insurance business personnel will take out the paper to protect the book, and ask the insured (the insurer) to fill in the required information and autograph the person to comply with the insurance authority. Provisions. The insurance book is then sent back to the insurance company for review by the insurance business personnel. According to the current practice, the in-service personnel of the insurance company will enter the data of the insurance policy into the computer with the insurance review function, and the computer will perform the audit to improve the audit efficiency. If the insured person's insurance information is approved, an insurance policy will be printed out for the insured's internal staff to be handed over to the insured (by the insurer) by mail or by business personnel.

Although the insurance company expects a series of processes from recommending insurance products to exporting insurance policies to be electronic, there is no suitable software and hardware integration into the current insurance operation process. If the insurance operation process is fully electronic, it can not only be fast. Providing protection for policyholders (insurers) can also reduce the operating costs of insurance companies. Therefore, it is necessary to find a solution.

Therefore, the primary object of the present invention is to provide an insurance contract operating system based on cloud computing.

Therefore, the invention is based on the cloud computing insurance contract operation system, and comprises an audit insurance server and a business management tool. The audit insurance server is configured to receive an electronic guarantee file including an electronic data and an electronic mail signature, and the audit insurance server reviews whether the electronic insurance document complies with a pre-insurance rule, and if so, Generate an electronic policy and send the electronic policy to the email address. The service management tool can connect to the audit insurance server, and includes a communication unit, a touch screen, a processing unit electrically connecting the communication unit and the touch screen, and a control program executed by the processing unit. The control program includes the following steps: first, receiving the required data, the electronic signature, and the email mailbox through the touch screen; and then collecting an electronic guarantee file, so that the electronic guarantee file has the required data And the electronic signature; and further, the communication unit is used to transmit the electronic guarantee file and the email address to the audit insurance server.

In addition, another object of the present invention is to provide an insurance contract operation method based on cloud computing.

Therefore, the present invention is based on a cloud computing operation insurance contract operation method, using an audit insurance server and a touch screen business management tool to perform the following steps: First, the business management tool receives a data to be protected through the touch screen. , an electronic signature and an email address. Then, the business management tool collects an electronic security document, so that the electronic security document includes the insurance information and the electronic signature. Furthermore, the business management tool transmits the electronic insurance document and the email address to the audit insurance server. The audit insurance server then reviews whether the electronic warranty file complies with a check-up rule. Then, if the electronic insurance document complies with the underwriting rules, the audit insurance server generates an electronic policy and sends the electronic policy to the email mailbox.

Furthermore, another object of the present invention is to provide a business management tool based on cloud computing.

Therefore, the service management tool based on the cloud computing is applicable to the insurance business, and the business management tool comprises: a communication unit, a touch screen, a memory and a processing unit. The memory stores a control program. The processing unit is electrically connected to the communication unit. The processing unit performs the following steps when executing the control program: First, receiving a required data and an electronic signature through the touch screen. Then, an electronic security document is collected, so that the electronic security document has the required information and the electronic signature. Furthermore, the electronic unit is transmitted by the communication unit to initiate a process of auditing insurance.

The function of the invention is to introduce the business management tool into the insurance operation process, and the concept and technology of the cloud computing greatly saves the time for the insured (guarantee) to wait for the underwriting, and reduces the number of paper documents that the salesman needs to carry, and further enhances The efficiency of the insurance company's audit.

The above and other technical contents, features and advantages of the present invention will be apparent from the following detailed description of the preferred embodiments.

Referring to FIG. 1, a preferred embodiment of the cloud computing based insurance contract operating system of the present invention comprises a demand analysis server 1, an audit insurance server 2, a gold stream processing server 3, and a plurality of business management tools 4.

The demand analysis server 1 is connected to an internetwork 6. The demand analysis server 1 is configured to receive a plurality of demand parameters and then generate a suggestion file. The demand analysis server 1 is a computer server host in the preferred embodiment, and executes a demand analysis program and a demand analysis database, and the demand parameters received include: monthly living expenses, loan amount, The amount of insurance for other insurances, age, time to invest, etc., but not limited to this, the purpose of these demand parameters is to provide the financial status and risk attributes of the policyholder (guarantee), and the demand analysis program utilizes the above The demand parameters are converted into specific indicator data, and the proposed documents are prepared by comparing the analysis data preloaded in the demand analysis database.

The audit insurance server 2 is configured to receive an electronic guarantee document, an payment information, and an email mailbox for collecting an essential data, an electronic signature and an auxiliary certification data. In the preferred embodiment, the audit insurance server 2 is a computer server host, and executes an audit insurance program. The audit insurance server 2 can also be merged with the demand analysis server 1 to implement the requirement. Analysis program and single computer server host for the audit insurance program. The above-mentioned essential information is name, birthday, identity card number, insurance items to be guaranteed, insurance amount, physical health indicators, etc., but is not limited thereto. The electronic signature is related to the business management tool 4, and will be described later. In the preferred embodiment, the auxiliary proof material is a picture file, and the content of the picture file is one of a photo file file of the policy holder (to be insured) and an identity document file of the applicant (insurer). The payment information is a credit card number and a credit card authentication code.

The review insurance program executed by the audit insurance server 2 checks whether the data to be insured conforms to a pre-insurance rule, wherein the underwriting policy is the insured information of the insured information and the insurance association, and the insured information of the insurance company and The claims data, the special list data, the physical condition data and the financial status data are compared to confirm that there is no abnormality. In the preferred embodiment, the audit insurance server 2 is connected to the database of the insurance server's computer server. The insurance company stores a database of computer servers with insurance and claims records, a database of blacklists for the insurance industry, and a database of computer servers of the Joint Credit Information Center of the company to obtain the above information for comparison. Review. The review technology for reviewing insurance programs is now widely used in the financial industry and the insurance industry and will not be repeated here.

If the review insurance program of the insurance server 2 confirms the required data of the electronic insurance document and complies with the underwriting rules, a check result information is generated, and the underwriting result information is sent to the email address, wherein The underwriting result information can only inform the policyholder (the insured person) that the review has been passed. The audit insurance server 2 transmits the guarantee data to the gold stream processing server 3. If the payment processing completion message is received by the gold stream processing server 3, the insured (insurance) has paid Premium, at this time, the audit insurance server 2 will formally generate an electronic policy and send the electronic policy to the email address filled by the policy holder (guarantee).

The gold stream processing server 3, in the preferred embodiment, is a computer server host, executes a gold stream processing program, and the gold stream processing program is connected to a computer server host of each bank credit card department for credit card payment operations. . The audit insurance server 2 transmits the payment information to the golden stream processing server 3, and the gold stream processing server 3 exchanges data with the computer server host of each bank credit card department, if the policy holder (guarantee) provides If the credit card number and the credit card authentication code are correct, the gold stream processing server 3 transmits a payment completion message to the audit insurance server 2. In addition to the credit card, the gold stream processing server 3 can also apply other online payment tools, such as PayPal or Alipay.

Referring to FIGS. 1A and 6, each service management tool 4 connects the demand analysis server 1 and the audit insurance server 2 via the Internet 6. According to the preferred embodiment, each of the service management tools 4 can include a communication unit 41, a touch screen 42 that can display a screen 421, an auxiliary input unit 43, an electrical connection to the communication unit 41, and the touch screen. 42 and the processing unit 44 of the auxiliary input unit 43, the memory 45, and a control program 46 stored in the memory 45 and executed by the processing unit 44. According to the preferred embodiment, the service management tool 4 can be a portable tablet (for example, a tablet iPad produced by Apple Inc.) ), a notebook computer, or other suitable portable electronic device. The communication unit 41 can be a 3G communication module and/or a WIFI communication module, and can wirelessly connect the Internet 6. The touch screen 42 is a capacitive touch screen. The auxiliary input unit 43 is, for example, a camera module disposed on the front and the back of the tablet computer, and is used to obtain an identity document file or an insured person belonging to the auxiliary certification data. People) photo files. In particular, in the preferred embodiment, one of the uses of the touch screen 42 in the present invention is to generate an electronic signature with pressure sensing data, except that the touch screen 42 can be pressed with a finger. In addition to the electronic signature, a conventional stylus supporting capacitive sensing can also be used to write an electronic signature on the touch screen 42 to conform to the writing habits of ordinary people.

Since different insurance authorities may have different requirements for the validity of the supporting certification materials in the identity authentication, for example, fingerprints, voiceprints and the like are used instead of the identity document files or photo files of the above-mentioned policyholders. Therefore, the auxiliary input unit 43 of the service management tool 4 can correspondingly adopt a fingerprint recognizer and a microphone to obtain biometric data such as fingerprints and voice prints.

The control program 46 can be implemented in the context of any operating system. According to the preferred embodiment, the control program 46 is, for example, an iOS application corresponding to the iPad, but is not limited thereto, and may be a dynamic web page of the Safari web browser running on the iPad. The control program 46 causes the service management tool 4 to cooperate with the demand analysis server 1 and the audit insurance server 2 to perform a series of steps, which will be described later.

Referring to Figures 1, 2 and 6, a preferred embodiment of the insurance contract operating method based on cloud computing of the present invention uses the insurance contract operating system described above to cause the system to perform the following steps:

First, as shown in step 511, the touch screen 42 of the service management tool 4 displays the screen 421, and the plurality of demand analysis questions are listed in the screen 421, and a text box 422 is provided on the right side of each demand analysis question for the policyholder. (To protect the person) Enter these demand parameters, such as monthly living expenses, loans, the amount of insurance for other insurance, age, time to invest, etc., but not limited to this.

Then, as shown in step 512, the insured (insurance) uses the virtual keyboard (not shown) of the business management tool 4 to sequentially input the demand parameters into the text box 422, so that the business management tool 4 receiving the demand parameters through the touch screen 42.

Moreover, as shown in step 513, the service management tool 4 transmits the demand parameters to the demand analysis server 1 via the Internet 6.

Then, as shown in step 514, the demand analysis server 1 receives the demand parameters, and the demand analysis program of the demand analysis server 1 converts the specific parameter data into specific indicator data according to the demand parameters, and then compares the requirements analysis database. Pre-loaded analytical data to produce the proposed document.

Then, as shown in step 515, the demand analysis server 1 can immediately transmit the suggestion file to the service management tool 4, so that the service management tool 4 receives the suggestion file.

Referring to FIG. 1, 2, and 7, in step 516, in the screen 421 of the touch screen 42 of the service management tool 4, the suggestion file 422, a pair of consent buttons 423 and a pair of should be suggested files should be displayed. The proposed document disagrees with button 424, providing a customer review reference. In the preferred embodiment, the insurance item purchased by the policyholder (the insured person) is an investment policy, so the proposal document 422 lists the fund target invested by the investment policy, and it must be noted that the The proposed document 422 is not limited thereto, and assuming that the policyholder (insurance) purchases a life insurance policy, a injury insurance policy, a health insurance policy or an annuity insurance policy, the proposed document 422 will list the above-mentioned policies. The subject matter, amount and various restrictions of the claim are for the reference of the policyholder (guarantee).

The insured person (insurance) can decide whether to agree to the purchase according to the content of the above-mentioned recommendation file 422. By operating the touch screen 42, the business management tool 4 detects whether the consent button 423 is selected. When it is detected that the disagree button 424 is selected, that is, the consent button 423 is not selected, the service management tool 4 transmits the demand parameters to the demand analysis server 1 as shown in step 513, and Send a repeat suggestion message. Then, as shown in step 514, the demand analysis server 1 regenerates the suggestion file according to the re-recommendation message and the demand parameters. With the above method, the insured can quickly obtain the proposal file, and even if it does not agree, the demand analysis server 1 can create a new suggestion file to quickly provide a different solution. Therefore, the suggestion file 422 is presented through the business management tool 4, and the insurance plan can be explained to the customer in a clearer and interactive manner.

Referring to FIG. 1 and FIG. 3, further, as shown in step 517, when the consent button 423 is selected in the service management tool 4 as shown in FIG. 7, the touch screen 42 displays a plurality of mandatory fields, the policyholder ( When the touch screen 42 is operated, the service management tool 4 receives the warranty information, the payment information, and the email mailbox through the touch screen 42. In addition, the service management tool 4 receives the auxiliary certification data through the auxiliary input unit 43 as shown in FIG. In the preferred embodiment, the auxiliary input unit 43 is, for example, a camera module of a tablet computer, and the auxiliary supporting information received is a picture file taken in the field, and the content of the image file is the insured (guarantee) One of the photo files and the identity document of the insured (to be insured).

Then, as shown in step 518, the service management tool 4 displays and detects whether an electronic signature is to be used on the touch screen 42. If the applicant (insurance) clicks on a disagree button, the service management tool 4 detects If a disagreement signal is detected, as shown in step 519, the service management tool 4 transmits a to-be-signed signature to a printer, and the printer prints the to-be-signed document.

If the policy holder (insurance) clicks the consent button to cause the service management tool 4 to detect a consent signal, the service management tool 4 receives the electronic signature as shown in step 520. Referring to Figures 1, 3 and 8, the screen 421 of the touch screen 42 of the business management tool 4 has a sub-window 425 and a plurality of "signatures to be insured", "signature of the insured" and "signature of the legal representative". Signature bar 426. The electronic guarantee file is displayed in the sub-window 425, and the above-mentioned data is automatically filled in the electronic guarantee file. If the applicant (insurance) clicks on the signature column 426 labeled "To be signed by the policy holder", the screen 421 becomes as shown in FIG. 9, and an electronic signature area 427 is displayed for the insured (insurance) to use the finger. Or the capacitive stylus is signed on the touch screen 42 of the business management tool 4. Then, when the applicant (insurance) presses the button 428 labeled "OK", the auxiliary input unit 43 of the business management tool 4 then takes a photo of the insured (insurance) or his identity document to obtain The supporting evidence. After the applicant (insurance) completes the electronic signature and auxiliary certification materials of the signature column 426, as shown in FIG. 10, each signature column 426 of the screen 421 has an electronic signature and auxiliary certification materials.

In the preferred embodiment, each electronic signature is stored as a picture file. In addition, when the applicant signs, the touch screen 42 can also detect the pressure change of each stroke in the electronic signature to generate a biometric data. The service management tool 4 stores the biometric data in an encrypted manner by RSA or AES (Advanced Encryption Standard).

In particular, the signature column 426 is listed as an example of the preferred embodiment. According to different regulations of the actual operation of the local insurance authority, the signature column 426 may only have an electronic signature, or the auxiliary certification information is not limited to the photo of the insured (insurance) or its identity document, or may be fingerprints, sounds. Biometric data such as lines and retinal lines. If the auxiliary certification data is fingerprint, voiceprint and retinal texture, the auxiliary input unit 43 of the service management tool 4 is a corresponding fingerprint identification module, a voiceprint recognition module and a retinal texture recognition module.

Then, as shown in step 521, the service management tool 4 can collect the data to be protected, the electronic signature (including the electronic signature image and the biometric data produced by the electronic signature) and the auxiliary certification data as complete electronic insurance. file. It is worth mentioning that the auxiliary certification information is not necessarily the necessary document, and the business management tool 4 can also use the insurance information and the electronic signature to generate a complete electronic insurance document. In the preferred embodiment, the generated electronic guarantee file is stored as an encrypted PDF or TIFF file by using a Secure Hash Algorithm (SHA) in order to avoid malicious tampering, but is not limited to this encryption. Protection method. Subsequently, the business management tool 4 can transmit the electronic insurance document to the email mailbox set by the policy holder (insurance) to notify the applicant (insurer) to complete the above procedure.

Furthermore, as shown in step 522, the service management tool 4 can immediately transmit the file including the warranty information, the electronic signature, the electronic guarantee document of the auxiliary certification data, the email mailbox, and the payment information to the file. The insurance server 2 is audited to initiate the underwriting and its subsequent procedures online.

Referring to Figures 1 and 4, the audit insurance server 2 can perform a series of review operations during the underwriting process. As shown in step 523, the audit insurance server 2 can perform inspection of insurance data and records. . In the preferred embodiment, the audit insurance server 2 can connect to the database of the computer server of the insurance guild, the database of the computer server storing the insurance and claim records in the insurance company, and the blacklist for storing the insurance. The database is used to compare the information.

As shown in step 524, the audit insurance server 2 can also review the physical condition and financial status. According to the preferred embodiment, the audit insurance server 2 can connect to the database of the computer server of the joint credit information center of the consortium and load the pre-stored physical condition assessment data to compare the data. It is worth mentioning that steps 523, 524 can be performed in different orders or in parallel.

As shown in step 525, in accordance with the results of steps 523, 524, the audit insurance server 2 can check whether the insured person (guarantee) has to comply with a pre-compliance rule. If not, the audit insurance server 2 sends a refusal notification message to the email address of the policyholder (guarantee) via email, and also sends a notification message to the insurance company's service personnel. Follow-up services.

If the insured person's insurance information meets the underwriting rules, as shown in step 527, the audit insurance server 2 can store the electronic insurance document, the email address, and the payment information. And generate a verification result information, and send the underwriting result information to the insured (insurance) email address to inform the insured (guarantee) has passed the relevant review of insurance qualifications.

Referring to Figures 1 and 5, after the underwriting procedure is passed, as shown in step 528, the audit insurance server 2 can transmit the payment information to the golden stream processing server 3 to initiate the payment program. After the credit processing server 3 performs a credit card authorization operation with each bank's credit card computer server host, the reply message is sent to the gold stream processing server 3 for the payment status of the payment information, such as successful deduction, deduction of the payment or Insufficient balance, etc. When the golden stream processing server 3 receives the message of successful deduction, a corresponding payment completion message is generated. According to an embodiment, the gold stream processing program is, for example, a conventional credit card payment operation mode.

Then, as shown in step 529, the golden stream processing server 3 transmits the payment completion message to the audit insurance server 2.

Moreover, as shown in step 530, the audit insurance server 2 confirms whether the payment information conforms to a payment rule according to the payment completion message. In the preferred embodiment, the payment rule is sent by the audit insurance server 2 If the underwriting result information is within one of the retention periods of the insured person's email address, the audit insurance server 2 receives the corresponding payment completion message. If the audit insurance server 2 confirms that the payment information does not comply with the payment rule, as shown in step 531, the audit insurance server 2 sends a reminder notification to the insured (insurance) by email. The mailbox will also send a notification message to the insurance company's service personnel for subsequent premium collection procedures.

If the audit insurance server 2 confirms that the payment information conforms to the payment rule, as shown in step 532, on behalf of the insured, not only the insurance qualification review but also the payment review is completed. At this time, the audit insurance server 2 generates an electronic policy.

Next, as shown in step 533, the audit insurance server 2 sends the electronic policy to the email mailbox.

In summary, the present invention introduces the business management tool into the insurance operation process, and the insured (insurance) starts from the insurance to the electronic operation of the electronic policy, and the insurance business personnel use the business management tool such as the tablet through the Internet. The road connection computer server host completes the preparation of the proposed documents, the review of the guarantee documents and the confirmation of the gold flow program, and makes good use of the advantages of cloud computing. By using the business management tool of the present invention, it is possible to promptly provide advice to customers and find a suitable insurance plan according to the needs of the customer. In addition, the business management tool of the present invention can generate a complete electronic insurance document and initiate the underwriting procedure on the line, which can greatly save the time for the insured (guarantee) to wait for the underwriting, and reduce the paper required for the salesman to carry. The number of this document has improved the auditing efficiency of the insurance company, so it can achieve the purpose of the present invention.

The above is only the preferred embodiment of the present invention, and the scope of the invention is not limited thereto, that is, the simple equivalent changes and modifications made by the scope of the invention and the description of the invention are All remain within the scope of the invention patent.

1. . . Demand analysis server

2. . . Audit insurance server

3. . . Gold stream processing server

4. . . Business management tool

41. . . Communication unit

42. . . Touch screen

43. . . Auxiliary input unit

44. . . Processing unit

45. . . Memory

46. . . Control program

421. . . Picture

422. . . text box

423. . . Agree button

424. . . Do not agree with the button

425. . . Child window

426. . . Signature bar

427. . . Electronic signature area

428. . . Button

511~533. . . step

6. . . Internet

1 is a system block diagram showing a preferred embodiment of the cloud computing based insurance contract operating system of the present invention;

1A is a block diagram illustrating a cloud computing-based business management tool of the present invention;

2 is a flow block diagram showing the first part of a preferred embodiment of the cloud computing based insurance contract operation mode of the present invention;

3 is a flow block diagram showing a second part of a preferred embodiment of the cloud computing based insurance contract operation mode of the present invention;

4 is a flow block diagram showing a third portion of a preferred embodiment of the cloud computing based insurance contract operating mode of the present invention;

5 is a flow block diagram showing a fourth embodiment of a preferred embodiment of the cloud computing based insurance contract operating mode of the present invention;

6 is a schematic diagram showing a screen in which the touch screen displays a plurality of demand analysis problems in the preferred embodiment;

7 is a schematic diagram showing a suggested file displayed on the touch screen of the service management tool in the preferred embodiment;

FIG. 8 is a schematic diagram showing an electronic claim for an electronic signature that is not completed in the touch screen;

FIG. 9 is a schematic diagram showing an electronic signature area displayed by the touch screen in the preferred embodiment; and

FIG. 10 is a schematic diagram showing an electronic electronic book that has been electronically signed by one of the touch screens in the preferred embodiment.

1. . . Demand analysis server

2. . . Audit insurance server

3. . . Gold stream processing server

4. . . Business management tool

6. . . Internet

Claims (20)

An insurance contract operation system based on cloud computing, comprising: an audit insurance server, configured to receive an electronic insurance document including an insurance information and an electronic signature, and an email mailbox, the audit insurance server reviewing the electronic To ensure that the document complies with the one-off insurance rules, if so, an electronic policy is generated and sent to the email address; and a business management tool can be connected to the audit insurance server, including a communication unit, a touch screen, a processing unit electrically connected to the communication unit and the touch screen, and a control program executed by the processing unit, the control program having the following steps: (a) receiving the touch screen through the touch screen To protect the data, the electronic signature and the email address, (b) to collect an electronic security document such that the electronic security document has the information to be protected and the electronic signature, and (c) use the communication unit to transmit the electronic To protect the file and the email address to the audit insurance server. The cloud computing-based insurance contract operating system according to claim 1 of the patent application scope, further comprising: a demand analysis server connected to the service management tool, configured to receive a plurality of demand parameters, and then generate a suggestion file, and the The business management tool control program also has the following steps before performing the step (a): (d) receiving the demand parameters through the touch screen, and (e) transmitting the demand parameters to the demand by using the communication unit. An analysis server, (f) receiving, by the communication unit, the suggestion file created by the demand analysis server, (g) causing the touch screen to display a consent button for a suggested document, and (h) detecting the consent Whether the button is selected, wherein in the step (a), if it is detected that the consent button is selected, the insured material, the electronic signature and the email mailbox are received through the touch screen. According to the cloud computing-based insurance contract operating system described in claim 2, wherein the business management tool control program has a step (i) between the (h) step and the (a) step, If it is detected that the consent button is not selected, the communication unit is used to transmit a re-recommendation message to the demand analysis server, and the demand analysis server re-creates the suggestion file according to the re-recommendation message and the requirement parameters. The cloud computing-based insurance contract operating system according to claim 1 of the patent application scope also includes a gold stream processing server connected to the audit insurance server, and the business management tool control program (a) In the step, the payment information is further received. In addition, in the step (c), the communication unit further transmits the payment information to the audit insurance server, and the audit insurance server uses the gold stream processing server to review the payment. Whether the information conforms to a payment rule, and if the electronic insurance document conforms to the underwriting rule and the payment information conforms to the payment rule, the audit insurance server generates the electronic policy. According to the cloud computing-based insurance contract operating system described in claim 1, wherein the business management tool control program has a step (j) after the step (c), and the communication unit transmits the The electronic file must be protected to the email address. According to the cloud computing-based insurance contract operation system described in claim 1, wherein the audit insurance server reviews the insurance information, generates a verification result information, and sends the underwriting result information to the electronic Mail box. The cloud computing-based insurance contract operating system according to claim 1, wherein the business management tool further comprises an auxiliary input unit for receiving an auxiliary supporting data, and the electronic management document for the business management tool is integrated. It also has the auxiliary supporting information. A cloud computing-based insurance contract operation method, which operates on an audit insurance server and a business management tool including a touch screen, the operation method comprising the following steps: (a) the business management tool receives a touch screen through the touch screen (b) the business management tool integrates an electronic security document such that the electronic security document includes the electronic data and the electronic signature; (c) the business management tool Transmitting the electronic insurance document and the email address to the audit insurance server; (d) the audit insurance server reviewing whether the electronic insurance document complies with a verification rule; and (e) if the electronic insurance document meets The underwriting rule, the audit insurance server generates an electronic policy and sends the electronic policy to the email address. According to the cloud computing operation insurance contract operation method described in claim 8 of the patent application, before the step (a), the method further includes the following steps: (f) the service management tool receives the complex demand parameter through the touch screen; g) the service management tool transmits the demand parameters to a demand analysis server; (h) the demand analysis server receives the demand parameters, creates a suggestion file, and transmits the proposal file to the service management tool; (i) The business management tool receives the suggestion file; (j) the touch screen of the business management tool displays the suggestion file and a pair of consent buttons for the proposed document; and (k) the service management tool detects the touch screen through the touch screen Activating whether the button is selected, wherein in the step (a), if the consent button is selected, the service management tool receives the warranty data, the electronic signature, and the email mailbox through the touch screen. According to the cloud computing operation insurance contract operation method described in claim 9, the step (k) and the step (a) further comprise a step (1), if the consent button is not selected, The service management tool transmits a re-recommendation message to the demand analysis server, and further includes a step (m) between the step (1) and the step (a), and the demand analysis server is based on the re-recommendation message and The demand parameters are regenerated to generate the proposal file. According to the cloud computing-based insurance contract operation method of claim 8, wherein in the step (a), the service management tool receives a payment information through the touch screen, and in the (d) In the step, the audit insurance server uses a gold stream processing server to check whether the payment information conforms to a payment rule, and further, in the step (e), if the electronic insurance document meets the underwriting rule and the payment If the information meets the payment rules, the audit insurance server generates the electronic policy. According to the cloud computing operation insurance contract operation method described in claim 8 of the patent application, between the (c) step and the (d) step, a step (n) is further included, and the business management tool transmits the electronic insurance File to the email address. According to the cloud computing operation insurance contract operation method described in claim 8 of the patent application, between the (d) step and the (e) step, a step (o) is further included, and the audit insurance server reviews the electronic After the documents are guaranteed, the information of the underwriting result is generated and the information of the underwriting result is sent to the email address. According to the cloud computing-based insurance contract operation method of claim 8, wherein in the step (a), the service management tool receives an auxiliary certificate through an auxiliary input unit installed on the service management tool. Information, and in the step (b), the electronic management document of the business management tool is also included in the supporting document. A cloud computing-based business management tool for use in an insurance business, the business management tool comprising: a communication unit; a touch screen; a memory, storing a control program; and a processing unit electrically connecting the communication unit The touch screen and the memory, wherein the processing unit performs the following steps when executing the control program: (a) receiving a required data and an electronic signature through the touch screen, and (b) collecting an electronic The document is guaranteed to have the electronic data and the electronic signature, and (c) the electronic communication file is transmitted by the communication unit to initiate a process of reviewing the insurance. According to the business management tool for insurance business described in claim 15 of the patent application, the processing unit performs the following steps before performing the step (a) of the control program: (d) receiving through the touch screen a plurality of demand parameters, (e) transmitting the demand parameters by the communication unit to receive a suggestion file, (g) causing the touch screen to display a pair of consent buttons for the suggested file, and (h) detecting whether the consent button is And wherein, in the step (a), if it is detected that the consent button is selected, the to-be-protected material and the electronic signature are received through the touch screen. According to the cloud computing business management tool of claim 16, wherein the processing unit performs a step (i) between the (h) step and the (a) step of executing the control program. If it is detected that the consent button is not selected, the communication unit is used to transmit the re-recommended message and the demand parameters. The cloud computing-based business management tool according to claim 15 , wherein the processing unit further receives a payment information in the step (a) of executing the control program, and further, in the step (c) The communication unit also transmits the payment information. According to the business management tool for insurance business described in claim 15 of the patent application, wherein the processing unit receives an email box through the touch screen in step (a) of executing the control program, In the step (c), the electronic guarantee file is also transmitted to the email mailbox through a network. The service management tool for insurance business according to claim 15 of the patent application scope, further comprising an auxiliary input unit electrically connected to the processing unit, wherein the processing unit is in the step (a) of executing the control program, The auxiliary input unit receives an auxiliary certification data, and in the step (b), the electronic security document is included, and the auxiliary certification data is also included.