TW201931292A - Insurance contract online signing system and method thereof for confirmation - Google Patents

Abstract

An insurance contract online signing method includes: providing an insurance contract document from an insurance company device or transmitting the insurance contract document from the insurance company device to an insurance agency device; transmitting an encrypted insurance contract document from the insurance company device or the insurance agency device to an authentication system; providing the encrypted insurance contract document from the authentication system to a customer; signing the encrypted insurance contract document by the customer with a certification data; converting the encrypted insurance contract document into a signed insurance contract document in the authentication system; and transmitting the signed insurance contract document from the authentication system to the insurance company device.

Description

Insurance contract online signing confirmation system and method thereof

The present invention relates to an insurance contract online signing confirmation system and method thereof, and more particularly to an insurance contract online signature confirmation system and method thereof for trading in a key encryption mode.

The practice insurance contract transaction method, for example, the Republic of China Patent Publication No. TW-505875, the online insurance transaction method [1], the invention patent, which discloses a network insurance transaction method. The online insurance transaction method is a trial calculation method for purchasing insurance through the website, and presents the characteristics of insurance products of various insurance companies in a network system, so that the customer can make the most complete insurance plan.

The above-mentioned TW-505875 network insurance transaction method includes: 1. The trial start step, a customer inputs the data related to the premium trial according to the different insurance categories selected; 2. Completes the trial calculation and provides insurance. The commodity step, after analyzing the input data in the network system, searching a database, presenting a search result in a comparison table for the customer to select an insurance product; 3. completing the step of insuring the content, the network system is based on The customer's basic information and payment method entered by the customer automatically fill in the contents of the required insurance book; 4. Send the documents to be guaranteed and sign the steps, the network system automatically generates the required documents and prints and signs them for the customer, without By manually filling in the information, the network system automatically sends a thank you letter by email.

Another customary insurance contract transaction method, for example: Republic of China Patent Notice No. TW-525073, a method for trading online insurance [3], an invention patent, which discloses a method of trading online insurance. The online insurance transaction method is a method of accumulating points and redeeming goods after purchasing insurance through the Internet, and using a network system to enable customers to obtain substantial feedback, and providing customers with a full range of personal wealth management services.

In the above, the online insurance transaction method of the above TW-525073 includes: 1. receiving a customer identity authentication data; 2. confirming the customer identity authentication data and its customer identity; 3. searching for several customer point data. Library, in order to search for the points of the customer's identity data, and accumulate a valid point; 4, automatically search for the value goods and high-quality stocks in the product database; 5, receive the goods and stocks that the customer wants to exchange; 6, automatic review The correctness of the redemption information; 7. Integration of the information of the commodity company and the securities company; 8. Automatically sending an electronic letter to inform the customer of the exchange progress.

Another customary insurance contract transaction method, for example, the Republic of China Patent Notice No. TW-I460674, which establishes an insurance contract through a mobile device, changes insurance policy information, conducts insurance claims, and processes insurance business. A method of handling insurance business through a mobile device is disclosed. The method for processing insurance business through a mobile device includes a method of setting an insurance contract through a mobile device.

The method for processing an insurance service by the mobile device according to the above-mentioned TW-I460674 includes: a. providing an insurance service file on a mobile device; b, receiving a policyholder data from the mobile device or providing a policyholder data To the mobile device; c, receiving, by the mobile device, an electronic signature of the one of the policy holders and confirming the correctness of the information in the insurance business file; and d, transmitting a confirmation to the mobile device or the designated mobile device of the policy holder The message that the insurance business document is in force.

Another conventional insurance contract transaction method, for example, the Republic of China Patent Notice No. TW-M548309 replaces the insurance pro-signed backfill verification system, a new patent, which discloses a backfill verification system. The backfill The verification system is used to handle one of the insurance, policy change, renewal and claims in the insurance business.

The backfill verification system of the aforementioned TW-M548309 includes a transmission interface and a processor. Receiving, by the transmission interface, the insurance request and the insurance information of one of the corresponding insurance, policy change, renewal and claims; and checking whether the insurance request and the insurance data received by the transmission interface are established according to the insurance request, to generate And transmitting, via the transmission interface, the insurance willingness notification information and the backfilling verification screen of one of the corresponding insurance, policy change, renewal and claims; and inputting the instruction according to the backfill verification screen by the transmission interface within a predetermined time Backfill verification data to determine whether one of the insurance, policy change, renewal and claims is approved.

However, the above-mentioned Patent Publication No. TW-505875, the network insurance transaction method, the TW-525073 network insurance transaction method, the TW-I460674 mobile device processing insurance business method and the backfill of TW-M548309 The verification system is clearly subject to excessive operational constraints, so there is a potential need for further improvements (eg, encryption requirements, authentication requirements, or signing confirmation requirements). The foregoing patents are only for the purpose of reference to the present invention, and are not intended to limit the scope of the present invention.

In view of the above, in order to meet the above technical problems and needs, the present invention provides an insurance contract online signature confirmation system and a method thereof, which have a completed insurance policy generated by an insurance company device or via a security company device The wired or wireless network is transmitted to the insurance company device, and the insurance company device or the security company device is selected to transmit an encrypted security book (by wired or wireless network) to a transaction authentication system, and the transaction is The authentication system provides the encrypted guarantee book to a signatory, and then the signer signs the encrypted claim with a voucher data (natural person voucher data or legal person voucher data), and the transaction authentication system generates a signed Guarantee The book is transmitted to the insurance company device by the transaction authentication system (wired or wireless network) to improve the technical disadvantages or problems of the conventional network insurance transaction system and method.

The main purpose of the preferred embodiment of the present invention is to provide an insurance contract online signature confirmation system and method thereof, which will generate a completed insurance policy from an insurance company device or via a security company device (by wired or wireless network) Transferring to the insurance company device, and selecting to transmit an encrypted security book (by wired or wireless network) to a transaction authentication system by the insurance company device or the security company device, and the encryption is performed by the transaction authentication system To provide the guarantee to a signatory, the signatory then signs the encrypted claim with a voucher information (natural person voucher information or legal person voucher information), and the transaction authentication system generates a signed insured book and will The signed insured document is transmitted to the insurance company device by the transaction authentication system (wired or wireless network) for the purpose of signing the insurance contract online for confirmation.

In order to achieve the above object, the method for online signing of the insurance contract according to the preferred embodiment of the present invention comprises: transferring a completed insured book from an insurance company device or transmitting it to the insurance via a security company device via a wired or wireless network. a company device; selecting, by the insurance company device or the security company device, transmitting an encrypted book to a transaction authentication system by a wired or wireless network; the transaction authentication system provides the encrypted book to a signatory; The signatory shall sign the encrypted claim with a voucher data (natural person voucher data or legal person voucher data); use the transaction authentication system to convert the encrypted claim book into a signed insured book; and the signed The insurance book is wired by the transaction authentication system Or wireless network transmission to the insurance company device.

The preferred embodiment of the present invention selects to use the insurance company device or the security company device to encrypt the encrypted insurance book with a first key to generate a first key to encrypt the book, or to select the insurance company device or The security company device calculates a first hash value to be incorporated into the encryption to protect the book.

The preferred embodiment of the present invention utilizes a pre-registration and authentication material to sign the encryption to be guaranteed.

The preferred embodiment of the present invention utilizes the transaction authentication system to hide the person's voucher data in the signed insured file with an information hiding algorithm.

The preferred embodiment of the present invention utilizes the transaction authentication system to encrypt the signed insured book with a second key to generate a second key to encrypt the signed insured book, or the transaction authentication system calculates a second hash Value to incorporate into the signed insured book.

In order to achieve the above object, an insurance contract online signature confirmation system according to a preferred embodiment of the present invention includes: at least one insurance company device for providing a plurality of products to be guaranteed; at least one security company device connected to the insurance company a device for downloading the product to be guaranteed; and at least one transaction authentication system connected to the insurance company device, and the transaction authentication system is further connected to the security company device; wherein the insurance company is filled out by the insurance company Transmitting or transmitting to the insurance company device via the security company device, and selecting to transmit an encrypted guarantee book to the transaction authentication system by the insurance company device or the security company device, and the transaction authentication system Encryption is provided to a signatory, and the signer signs the encrypted claim with a voucher data (natural person voucher information or legal person voucher data), and the transaction authentication system generates a signed insured document, and The signed insured book The transaction authentication system is transmitted to the insurance company device.

The preferred embodiment of the present invention selects the insurance company device or the security company device to encrypt the encrypted insurance book with a first key to generate a first key encryption to protect the book, or select the insurance company device or guarantee The company device calculation produces a first hash value to be incorporated into the encryption to be guaranteed.

In the preferred embodiment of the present invention, the encryption guarantee is signed with a pre-registration and authentication data.

In the preferred embodiment of the present invention, the transaction authentication system hides the voucher data in the signed insured file by an information hiding algorithm.

The transaction authentication system of the preferred embodiment of the present invention encrypts the signed insured book with a second key to generate a second key encrypted signed insured document for transmission to the insurance company device, or the transaction The authentication system calculates a second hash value to be incorporated into the signed warranty.

The transaction authentication system of the preferred embodiment of the present invention is a physical transaction authentication system, a virtual transaction authentication system or a self-built transaction authentication system.

The transaction authentication system of the preferred embodiment of the present invention is incorporated into the insurance company device or the security company device to form a built-in transaction authentication system.

1‧‧‧Insurance company installation

2‧‧‧Baojing company installation

20‧‧‧Mobile communication device

21‧‧‧Voucher Information

3‧‧‧Transaction Certification System

5‧‧‧Signer

S1‧‧‧ first step

S2‧‧‧ second step

S3‧‧‧ third step

S4‧‧‧ fourth step

S5‧‧‧ fifth step

S6‧‧‧ sixth step

Figure 1 is a block diagram showing the online signing confirmation system of the insurance contract in accordance with a preferred embodiment of the present invention.

Figure 2 is a flow chart showing the method for confirming the online signing of the insurance contract according to the preferred embodiment of the present invention.

Figure 3 is a schematic diagram showing the architecture of the online signing confirmation operation of the insurance contract online signing confirmation system according to the first preferred embodiment of the present invention.

Figure 4 is a schematic diagram showing the architecture of the online signing confirmation system of the insurance contract of the second preferred embodiment of the present invention.

In order to fully understand the present invention, the preferred embodiments of the present invention are described in detail below, and are not intended to limit the invention.

The insurance contract online signature confirmation system and method thereof according to the preferred embodiment of the present invention are applicable to various insurance transaction systems, various policy management systems or various wealth management systems, such as personal wealth management systems, investment information systems or billing systems, but they are not used The scope of application of the invention is defined. The insurance contract online signature confirmation system and method thereof according to the preferred embodiment of the present invention utilize an electronic framework to improve the technical problems of lack of specific authentication and security for the practice of the conventional network insurance transaction.

The insurance contract online confirmation system and the method thereof are executed by a computer-executable process step, which can be executed on various computer equipment, such as a table. Desktop computer, notebook or notebook computer, tablet personal computer, workstation computer, smart phone, or other electronic device, but it is not used To limit the scope of application of the invention.

Furthermore, the insurance contract online signature confirmation system and method thereof according to the preferred embodiment of the present invention are applicable to various information network systems, for example, including an Internet, various local area networks [local area network] , LAN], various wireless local area networks (wireless LAN) or various cloud server systems, but it is not intended to limit the scope of application of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram showing the system for signing an insurance contract online in accordance with a preferred embodiment of the present invention. Referring to FIG. 1 , an insurance contract online signature confirmation system according to a preferred embodiment of the present invention includes a plurality of insurance company devices 1, a plurality of security company devices 2 and at least one transaction authentication system 3, and the transaction authentication system is 3 properly configured in the insurance company device 1 and insurance Between the company devices 2, the insurance company device 1 or the security company device 2 is connected to the transaction authentication system 3.

Referring to FIG. 1 again, for example, the insurance company apparatus 1 of the preferred embodiment of the present invention may be selected from a servo computer, a workstation computer, a desktop computer, a portable computer, and a note. A computer or other computer device to form at least one or several insurance company back-ends. In addition, the insurance company device 1 is used to automatically or semi-automatically provide a plurality of products to be guaranteed, that is, several electronic files to be guaranteed.

Referring to FIG. 1 again, for example, the security device device 2 of the preferred embodiment of the present invention may also be selected from a servo computer, a workstation computer, a desktop computer, and a portable computer. A notebook computer or other computer device to form at least one or several security companies. In addition, the security company device 2 connects to the insurance company device 1 by wire or wirelessly to download the product, advertisement and related products.

Referring to FIG. 1 again, for example, the security company device 2 further has an electronic sign-off unit (not shown) or a unit with a similar signing function (for example, a touch-enabled device). The electronic signing unit is used to allow remote signing of the product to be guaranteed and its related materials.

Referring to FIG. 1 again, for example, the transaction authentication system 3 of the preferred embodiment of the present invention is connected to the insurance company device 1 by wire or wirelessly, and the transaction authentication system 3 is additionally wired or wireless. It is connected to the security company device 2 to complete an insurance commodity transaction between the insurance company device 1 and the security company device 2 by using the transaction authentication system 3.

Referring to FIG. 1 again, for example, the transaction authentication system 3 can provide various security mechanisms, and the security mechanism can be selected by a security software, and the security mechanism includes a key encryption mechanism and a calculation. A hash value mechanism, an information hiding algorithm, an authentication mechanism, or other security mechanism.

Referring to FIG. 1 again, for example, the transaction authentication system 3 can be selected as a physical transaction authentication system, a virtual transaction authentication system, and a self-built transaction authentication system. Or other transaction authentication system.

Referring to FIG. 1 again, for example, the key encryption mechanism of the transaction authentication system 3 may be encrypted by using a public key encryption or a private key. The key may be selected by the sender to be disclosed to the insurance company device 1, selected to be disclosed to several of the security company devices 2, or both of which are disclosed to both, and a private key may be selected in advance to remain in the insurance company. Device 1 or the warranty company device 2.

Referring to FIG. 1 again, for example, the preferred embodiment of the present invention selectively incorporates the transaction authentication system 3 into the insurance company device 1 or the security company device 2 to form a built-in [built- In] Transaction authentication system or a similar architecture system.

FIG. 2 is a flow chart showing the method for signing the insurance contract online in the preferred embodiment of the present invention, which corresponds to the insurance contract online confirmation system of FIG. Referring to the figure, the method for confirming the signature of the insurance contract in the preferred embodiment of the present invention includes the steps S1 to S6, but it is not intended to limit the order of the steps of the present invention, and may be appropriately changed without departing from the scope of the present invention. The sequence of steps in the preferred embodiment of the invention.

Referring to Figures 1 and 2, the insurance contract online confirmation method of the preferred embodiment of the present invention includes the step S1: first, for example, a completed insurance document (ie, an electronic file to be guaranteed) is The insurance company device 1 is generated (either automatically or semi-automatically) or transmitted to the insurance company device 1 via the security company device 2 in a wired or wireless network.

Please refer to Figures 1 and 2 again. For example, the filled Write a letter to be selected from a life insurance policy to protect the book, a savings insurance policy to protect the book, a health insurance policy to protect the book, an accident insurance policy to protect the book, a travel insurance policy to protect the book, a property insurance policy To protect the book, a group of insurance to protect the book, a fire insurance policy to protect the book, a day of disaster insurance policy to protect the book or other various policies to protect the book.

Referring to FIGS. 1 and 2 again, the method for signing the insurance contract online signature according to the preferred embodiment of the present invention includes the step S2: Next, for example, selecting an encryption by the insurance company device 1 or the security company device 2 To protect the book (that is, the encrypted electronic file to be protected) is transmitted to the transaction authentication system 3 via a wired or wireless network.

Referring to FIG. 1 and FIG. 2 again, for example, the preferred embodiment of the present invention may selectively use the insurance company apparatus 1 or the security company apparatus 2 to encrypt the encrypted guarantee book with a first key to generate A first key encryption is required to secure the book; or a first hash value is selected to be generated by the insurance company device 1 or the security company device 2 to be incorporated into the encrypted security book.

Referring to Figures 1 and 2 again, the insurance contract online signature confirmation method of the preferred embodiment of the present invention comprises the step S3: Next, for example, the transaction authentication system 3 provides the encryption guarantee to a signature. People, in order to carry out electronic signing operations. Alternatively, another preferred embodiment of the present invention may optionally provide the encrypted claim to the signatory 5 by the insurance company device 1 or the security company device 2 in a wired or wireless network.

Referring to FIGS. 1 and 2 again, the insurance contract online signature confirmation method according to the preferred embodiment of the present invention includes step S4: Next, for example, the signator 5 uses a voucher data (optional natural person voucher data, Legal person voucher information or other voucher data] 21 sign the encryption to be guaranteed. Another preferred embodiment of the present invention can optionally utilize a pre-registration and authentication material to sign the encrypted claim.

Referring to FIGS. 1 and 2 again, the insurance contract online signature confirmation method according to the preferred embodiment of the present invention includes step S5: Next, for example After the completion of the necessary signing confirmation using a sign-off confirmation procedure, the transaction authentication system 3 is used to convert the encrypted-guaranteed book into a signed-guaranteed book and other related documents.

Referring to FIG. 1 and FIG. 2 again, for example, another preferred embodiment of the present invention may select the transaction authentication system 3 to use the transaction information to perform an information hiding algorithm or other similar function algorithm. The calculus module is concealed in the signed insured book. Another preferred embodiment of the present invention may select the authentication material of the transaction authentication system 3 to be an invisible digital watermark and hide it in the signed insured document.

Referring again to FIGS. 1 and 2, for example, another preferred embodiment of the present invention may alternatively utilize the transaction authentication system 3 to encrypt the signed insured book with a second key to generate a second The key encryption has been signed to protect the book, or alternatively, the transaction authentication system 3 can be used to calculate a second hash value to be incorporated into the signed insured book.

Referring to FIGS. 1 and 2 again, the insurance contract online signature confirmation method according to the preferred embodiment of the present invention includes step S6: Next, for example, the signed insured document is wired or by the transaction authentication system 3 The wireless network transmits to the insurance company device 1 to complete the online signing confirmation operation for the signed-up to be guaranteed.

FIG. 3 is a schematic diagram showing the architecture of the online signing confirmation operation of the insurance contract online signing confirmation system according to the first preferred embodiment of the present invention. Referring to FIG. 3, the transaction authentication system 3 of the first preferred embodiment of the present invention directly provides the encrypted claim to the signer 5 for electronic signing, and the signer 5 selects Various signing methods (eg, electronic signature, image identification signing or other signing methods) are signed to confirm the encryption to be guaranteed.

Figure 4 is a block diagram showing the architecture of the insurance contract online confirmation system of the second preferred embodiment of the present invention using another online signature confirmation operation, which corresponds to the online confirmation operation of Figure 3. Please refer to Figure 4 As shown, with respect to the first embodiment, the second preferred embodiment of the present invention selects a security company to be provided by the security company device 2 to the signatory 5, using a security company personnel (eg, business) The subscriber is provided with the encrypted guarantee to the signer 5 by a mobile communication device 20.

Referring to FIG. 4 again, for example, the mobile communication device 20 can be selected from a portable computer, a notebook computer, a tablet computer, a smart phone, a smart phone, and a number of assistant devices. Or other mobile communication devices. Another preferred embodiment of the present invention may select a computer device in place of the mobile communication device 20. For example, the computer device can be selected from a servo computer, a desktop computer, a Macintosh computer or other personal computer device.

The foregoing preferred embodiments are merely illustrative of the invention and the technical features thereof, and the techniques of the embodiments can be carried out with various substantial equivalent modifications and/or alternatives; therefore, the scope of the invention is subject to the appended claims. The scope defined by the scope shall prevail. The copyright limitation of this case is used for the purpose of patent application in the Republic of China.

Claims (10)

An insurance contract online signature confirmation method, comprising: transmitting a completed insurance policy by an insurance company device or transmitting to the insurance company device via a security company device via a wired or wireless network; selecting the insurance company device Or the security company device transmits an encrypted security document to a transaction authentication system by wire or wireless network; the transaction authentication system provides the encryption protection book to a signatory; the signatories use a voucher material Signing the encryption to protect the book; using the transaction authentication system to convert the encrypted book to a signed insured book; and transmitting the signed insured book to the insurance by the transaction authentication system via a wired or wireless network Company installation. According to the insurance contract described in claim 1, the insurance contract is signed online, wherein the security device is encrypted with a first key to generate a first key encryption to protect the book, or A first hash value is selected to be generated by the insurance company device or the warranty company device to be incorporated into the encrypted claim. A preferred embodiment of the invention. According to the insurance contract mentioned in the first paragraph of the patent application scope, the confirmation method is signed online, wherein the pre-registration and certification materials are used to sign the encryption guarantee book. The insurance contract is signed online according to the claim 1 of the patent application scope, wherein the transaction authentication system is used to hide the voucher data in the signed guarantee document by an information hiding algorithm. According to the insurance contract described in claim 1, the insurance contract is signed online, wherein the transaction authentication system is used to encrypt the signed insured book with a second key to generate a second key encryption signed Or the transaction authentication system calculates a second hash value to be incorporated into the signed insured book. An insurance contract online signature confirmation system comprising: At least one insurance company device for providing a plurality of products to be guaranteed; at least one security company device connected to the insurance company device for downloading the product to be guaranteed; and at least one transaction authentication system connected to The insurance company device, and the transaction authentication system is further connected to the security company device; wherein a completed insurance policy is generated by the insurance company device or transmitted to the insurance company device via the security company device, and is selected by the insurance company The insurance company device or the security company device transmits an encrypted book to the transaction authentication system, and the transaction authentication system provides the encrypted book to a signatory, and the signer signs the document with a voucher The encryption is guaranteed, and a signed guarantee is generated by the transaction authentication system, and the signed guarantee is transmitted from the transaction authentication system to the insurance company. According to the insurance contract described in claim 6, the insurance contract is signed online, wherein the insurance company device or the security company device is selected to encrypt the encrypted insurance book with a first key to generate a first key encryption. To protect the book, or choose to use the insurance company device or the security company device to calculate a first hash value to be incorporated into the encrypted book. The insurance contract online signing confirmation system according to item 6 of the patent application scope, wherein the transaction authentication system is an entity transaction authentication system, a virtual transaction authentication system or a self-built transaction authentication system. The insurance contract online signing confirmation system according to item 6 of the patent application scope, wherein the transaction authentication system is incorporated in the insurance company device or the security company device to form a built-in transaction authentication system. According to the insurance contract described in claim 6, the insurance contract is signed online, wherein the transaction authentication system encrypts the signed insured book with a second key to generate a second key encryption signed signed insured file, For transmission to the insurance company device, or the transaction authentication system calculates a second hash value to be incorporated into the signed warranty.