TW202320008A - Interactive remote contracting and signature generating system - Google Patents
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Abstract
Description
一種簽約系統,尤其是互動式遠距簽約系統。A contracting system, especially an interactive remote contracting system.
現代人越來越具備購買保險商品意識,由於保險商品種類眾多且又涉及複雜的金錢計算和保險相關法規等內容,人們不易清楚明白保險內容細項,往往都會尋求合格的保險經紀人協助進行購買。雖然已有相關保險法規規範保險業者和保障消費者,但仍有保險業務員挪用保費、勸誘要保人借錢買保單等情事不斷發生且時常登上新聞版面,可見現行的投保方式存在許多問題,例如:如何在不受空間距離的限制下,消費者還是可以完成投保動作並且符合相關法規規定,除了滿足消費者隨時隨地都可購買的消費權利之外,也落實防疫期間零接觸之要求;如何可以真實記錄投保當下保險業者已盡告知責任並且記錄消費者當下行為,並可增加過程紀錄的真實可靠性,以保障雙方權利;如何做到保護消費者的個人資訊不外洩等問題。Modern people are becoming more and more aware of buying insurance products. Because there are many types of insurance products and they involve complicated money calculations and insurance-related regulations, it is difficult for people to clearly understand the details of the insurance content, and they often seek qualified insurance brokers to assist them in purchasing . Although there are relevant insurance laws and regulations to regulate insurance companies and protect consumers, there are still incidents of insurance salesmen misappropriating premiums and persuading policyholders to borrow money to buy insurance policies, etc., which often appear on the news page, which shows that there are many problems in the current insurance policy , for example: how to complete the insurance purchase action and comply with relevant laws and regulations without being limited by spatial distance, in addition to satisfying consumers’ consumption rights that can be purchased anytime and anywhere, it also implements the requirement of zero contact during the epidemic prevention period; How to truly record that the insurance company has fulfilled its duty of notification and record the current behavior of consumers at the time of insurance application, and increase the authenticity and reliability of the process records to protect the rights of both parties; how to protect consumers' personal information from leakage and other issues.
此外,在一些類似前述作業程序的簽約行為,如買賣、銀行、證券業務也是面臨無有效的解決方案可以提供線上簽名,且其所簽署的文件是可以同時保障契約雙方權利。In addition, in some contracting activities similar to the aforementioned operating procedures, such as trading, banking, and securities businesses, there is no effective solution that can provide online signatures, and the signed documents can protect the rights of both parties at the same time.
鑑於上述問題,本發明提供一種互動式遠距簽約系統,其包含契約甲方端裝置、契約乙方端裝置與伺服器。契約甲方端裝置登錄契約甲方帳戶資料,擷取契約甲方端即時影音,並同時顯示契約甲方作業視窗與契約甲方端視窗,契約甲方作業視窗顯示作業規範與操作畫面,契約甲方端視窗顯示契約乙方端即時影音。契約乙方端裝置登錄契約乙方帳戶資料,擷取契約乙方端即時影音,並同時顯示契約乙方作業視窗與契約乙方端視窗,契約乙方作業視窗顯示操作畫面,契約乙方端視窗顯示契約甲方端即時影音。伺服器同時連接契約甲方端裝置和契約乙方端裝置,接收契約甲方端即時影音與契約乙方端即時影音,伺服器包含會議處理單元、影像分析單元和儲存單元。In view of the above problems, the present invention provides an interactive remote signing system, which includes a contract party A terminal device, a contract party B terminal device and a server. The device of contract party A logs in the account information of contract party A, captures the real-time audio and video of contract party A, and displays the contract party A's operation window and contract party A's window at the same time. The contract party A's operation window displays the operation specification and operation screen, and contract party A The square end window displays the real-time audio and video of the contract party B end. The device of the contract party B logs in the account information of the contract party B, captures the real-time audio and video of the contract party B, and displays the contract party B's operation window and the contract party B's window at the same time, the contract party B's operation window displays the operation screen, and the contract party B's window displays the contract party A's real-time audio and video . The server is connected to the device of contract party A and contract party B at the same time, and receives real-time audio and video from contract party A and contract party B. The server includes a conference processing unit, an image analysis unit and a storage unit.
會議處理單元依據契約甲方帳戶資料的登錄與契約乙方帳戶資料的登錄而啟動會議程序,傳送作業規範、操作畫面和契約乙方端即時影音至契約甲方端裝置,傳送操作畫面和契約甲方端即時影音至契約乙方端裝置。影像分析單元對契約乙方端即時影音之人臉影像進行人臉辨識,當辨識結果符合人臉註冊資訊,產生人臉驗證訊號並傳送至會議處理單元而繼續執行會議程序;並判斷契約乙方端即時影音是否符合對應作業規範之預設條件,於符合時擷取契約乙方端即時影音之部分影像而產生操作畫面並傳送至會議處理單元。儲存單元儲存作業規範與預設條件,並於執行會議程序期間記錄並儲存會議全程影音。The conference processing unit starts the conference program according to the login of the contract party A’s account data and the contract party B’s account data login, transmits the operation specification, operation screen and real-time audio and video from the contract party B’s terminal to the contract party A’s device, and transmits the operation screen and contract party A’s terminal Real-time audio and video to the contract party B's device. The image analysis unit conducts face recognition on the real-time audio and video face image of Party B of the contract. When the recognition result matches the face registration information, a face verification signal is generated and sent to the conference processing unit to continue the meeting procedure; and judge the real-time Whether the audio-visual meets the preset conditions of the corresponding operation specification, and when it is met, capture part of the real-time audio-visual image of the contract party B to generate an operation screen and send it to the conference processing unit. The storage unit stores operation specifications and preset conditions, and records and stores the entire video and audio of the meeting during the execution of meeting procedures.
本發明之互動式遠距簽約系統以線上即時視訊結合直覺式設計的作業視窗,讓契約甲方和契約乙方得以在同一操作平台上,透過協同動作的作業視窗(即契約甲方作業視窗所顯示的內容與契約乙方作業視窗的內容有所不同,兩者非共享畫面)得以輕易完成程序複雜的會議程序,契約乙方對會議內容或過程有任何疑慮都可以即時透過作業視窗和即時影音在此平台與契約甲方互動,不受地域空間所拘束,又可達到零接觸之防疫功效。此外,本發明更具備影音分析和生物特徵驗證功能,能在會議過程中即時對契約甲方端和契約乙方端進行驗證,而非單純只作影像紀錄,藉此增進互動式遠距簽約系統所記錄的會議影像的真實可靠性,而線上完成的簽署文件中的電子簽名檔也是經過多重的生物特徵驗證,並有電子紀錄可以被追朔。進一步地,透過電子化的會議程序,契約乙方的個人證件可以不離身,契約甲方也無須經手證件處理,契約甲方端所顯示的作業視窗都會經過防拷貝處理,加上所有紀錄和上傳檔案都可以被加密儲存在後端的伺服器中,非契約甲方的個人裝置,用以保障契約乙方的個人資訊安全。The interactive remote signing system of the present invention combines online real-time video with an intuitively designed operation window, so that the contract party A and the contract party B can be on the same operating platform through the operation window of the cooperative action (that is, the operation window displayed by the contract party A) The content of the contract party B’s operation window is different from the content of the operation window of the contract party, and the two are not shared screens) to easily complete the complicated meeting procedures. If the contract party has any doubts about the content or process of the meeting, it can immediately use the operation window and real-time audio and video on this platform. Interacting with Party A of the contract is not restricted by geographical space, and can achieve the effect of zero-contact epidemic prevention. In addition, the present invention has audio-visual analysis and biometric verification functions, and can instantly verify contract party A and contract party B during the meeting, instead of simply recording images, thereby enhancing the interactive remote signing system. The authenticity and reliability of the recorded meeting images, and the electronic signature files in the signed documents completed online have also undergone multiple biometric verifications, and electronic records can be traced. Furthermore, through the electronic meeting procedure, the personal certificate of Party B can not leave the body, and Party A does not need to handle the certificate. All can be encrypted and stored in the back-end server, not the personal device of Party A, to protect the personal information security of Party B.
以下舉出具體實施例以詳細說明本發明之內容,並以圖式作為輔助說明。說明書中提及之符號係參閱符號說明。Specific embodiments are listed below to describe the content of the present invention in detail, and drawings are used as auxiliary descriptions. The symbols mentioned in the manual refer to the symbol description.
此外,以下所指的單元或模組間的連接係指資料傳輸,其可為單向的進行資料傳輸,亦可為雙向的進行資料傳輸,而資料傳輸例如可為訊息或影像的接收或發出、指令的接收或發出等,非以前述為限。In addition, the connection between units or modules referred to below refers to data transmission, which can be one-way data transmission or two-way data transmission, and data transmission can be, for example, the reception or sending of messages or images , receiving or issuing instructions, etc., are not limited to the foregoing.
所述之資料傳輸可以包含利用直接電性連結之方式,或是利用通訊協定(Low Power Wide Area, LoRa)、藍牙(Bluetooth)、WiFi、ZigBee等無線通訊技術,或是利用固網網路、同軸電纜或ADSL(非對稱數位用戶迴路)、或行動網路(3G、4G、5G行動上網)等網際網路方式進行資訊傳輸,惟前述通訊方式僅為舉例,非以此為限。The data transmission mentioned above may include the use of direct electrical connection, or the use of communication protocols (Low Power Wide Area, LoRa), Bluetooth (Bluetooth), WiFi, ZigBee and other wireless communication technologies, or the use of fixed network, Coaxial cable or ADSL (Asymmetric Digital Subscriber Loop), or mobile network (3G, 4G, 5G mobile Internet) and other Internet methods for information transmission, but the above-mentioned communication methods are just examples and not limited to this.
為了便於理解,以下實施例以互動式遠距簽約系統應用於保單簽署為例說明,但非限制本發明之互動式遠距簽約系統僅限於保單簽署,其亦可應用於銀行、證券等進行開戶或其他需簽署文件之流程,抑或是其他行業需簽署文件之作業,以達到遠距離簽名之目的。In order to facilitate understanding, the following examples illustrate the application of the interactive remote signing system in insurance policy signing, but the interactive remote signing system of the present invention is limited to the signing of insurance policies, and it can also be applied to bank, securities, etc. for account opening Or other processes that need to sign documents, or other industries that need to sign documents, in order to achieve the purpose of remote signature.
請參閱圖1所示,互動式遠距簽約系統包含契約甲方端裝置10、契約乙方端裝置20與伺服器30。伺服器30包含會議處理單元31、影像分析單元32和儲存單元33。Please refer to FIG. 1 , the interactive remote contract signing system includes a
契約甲方端裝置10包含有契約甲方端影像擷取單元11、契約甲方端顯示單元12以及契約甲方端音訊單元13。例如契約甲方端裝置10可以是智慧型手機、平板電腦、筆記型電腦、智慧手錶、個人電腦等電子裝置。而契約甲方端影像擷取單元11可以是契約甲方端裝置10的內建鏡頭或外接的網路攝影機,契約甲方端音訊單元13可以前述裝置的內建鏡頭或外接的揚聲器和麥克風,透過契約甲方端影像擷取單元11和契約甲方端音訊單元13擷取契約甲方端即時影音。契約甲方端顯示單元12可以是顯示螢幕、顯示器、顯示面板等,其顯示內容包含契約甲方端即時影音、契約甲方作業視窗102、契約甲方端視窗101等任意組合態樣。前述說明僅為舉例,惟非以此為限。The
契約乙方端裝置20包含有契約乙方端影像擷取單元21、契約乙方端顯示單元22、契約乙方端音訊單元23以及觸控式輸入單元24。例如契約乙方端裝置20可以是智慧型手機、平板電腦、筆記型電腦、智慧手錶、個人電腦等電子裝置。而契約乙方端影像擷取單元21可以是契約乙方端裝置20的內建鏡頭或外接的網路攝影機,契約乙方端音訊單元23可以契約乙方端裝置20的內建鏡頭或外接的揚聲器和麥克風,透過契約乙方端影像擷取單元21和契約乙方端音訊單元23擷取用以擷取契約乙方端即時影音。契約乙方端顯示單元22可以是顯示螢幕、顯示器、顯示面板等,其顯示內容包含契約乙方端即時影音、契約乙方作業視窗202、契約乙方端視窗201等任意組合態樣。觸控式輸入單元24可以是契約乙方端裝置20的內建鏡頭或外接的手寫板、可手寫輸入觸控螢幕等。前述說明僅為舉例,惟非以此為限。The contract party B's
契約甲方端裝置10登錄契約甲方帳戶資料,擷取契約甲方端即時影音,並同時顯示契約甲方作業視窗102與契約甲方端視窗101,契約甲方作業視窗102顯示作業規範與操作畫面,契約甲方端視窗101顯示契約乙方端即時影音。其中作業規範包含程序名稱、程序內容、驗證程序操作說明等,非以前述為限。The
契約甲方作業視窗102顯示作業規範和操作畫面可以是有次序先後地先顯示作業規範再顯示操作畫面,或是先顯示操作畫面再顯示作業規範。或是者是同時顯示作業規範與操作畫面,如圖4A所示之契約甲方作業視窗102顯示的「辨識結果人臉驗證通過」之作業規範和從契約乙方端即時影音擷取的部分影像之操作畫面。Contract party A's
契約乙方端裝置20登錄契約乙方帳戶資料,擷取契約乙方端即時影音,並同時顯示契約乙方作業視窗202與契約乙方端視窗201,契約乙方作業視窗202顯示操作畫面,契約乙方端視窗201顯示契約甲方端即時影音,如圖4B所示之範例。The contract party
在此,本實施例態樣是以一個契約甲方端裝置10與一個契約乙方端裝置20為例說明,但本發明非以此為限,亦可供多個契約甲方端裝置10與多個契約乙方端裝置20同時在線進行互動與簽名,其中,契約甲方端視窗101可同時顯示多個契約乙方端即時影音,或是在多個契約乙方端即時影音之中進行切換(意即契約甲方端裝置10的使用者可以點選按鈕選擇其中一個契約乙方端即時影音進行顯示),契約乙方端視窗201可同時顯示多個契約甲方端即時影音,或是在多個契約甲方端即時影音之中進行切換(意即契約乙方端裝置20的使用者可以點選按鈕選擇其中一個契約甲方端即時影音進行顯示)。請參照圖3C和圖3D,在多個契約甲方端裝置10與多個契約乙方端裝置20同時在線進行互動之態樣下,契約甲方端顯示單元12和契約乙方端顯示單元22都會顯示契約甲方端即時影音選擇按鈕103和契約乙方端即時影音選擇按鈕203,以供切換顯示的即時影音。另外,在此實施例態樣中的會議程序,每一程序都可以具有如圖3C和圖3D所示之切換顯示即時影音功能,以此不再累述。Here, the aspect of this embodiment is described by taking a contract party A
但在一些特定程序,如圖9A和圖9B所示之投保內容確認聲明程序中,契約甲方端顯示單元12和契約乙方端顯示單元22都會顯示正在宣讀投保內容確認聲明之契約乙方端即時影音,且此時的契約乙方端即時影音選擇按鈕203無法提供切換顯示其他契約乙方端即時影音直到該名正在宣讀投保內容確認聲明的使用者完成此投保內容確認聲明程序。圖10A和圖10B所示之文件簽署程序等程序也會有類似設計,當其中一名契約乙方正在執行電子簽名時,契約甲方端顯示單元12和契約乙方端顯示單元22都會顯示正在執行簽名之契約乙方端即時影音,而此時的契約乙方端即時影音選擇按鈕203無法提供切換顯示其他契約乙方端即時影音直到該名使用者完成此文件簽署程序。However, in some specific programs, such as the insurance content confirmation statement program shown in Figure 9A and Figure 9B, the
請參閱圖1,伺服器30同時連接契約甲方端裝置10和契約乙方端裝置20,接收契約甲方端即時影音與契約乙方端即時影音。也就表示,契約甲方端裝置10和契約乙方端裝置20雙方的即時影音需要透過伺服器30才會傳送到對方的裝置中,而不是由契約甲方端裝置10和契約乙方端裝置20直接雙方連線。如此,契約甲方與契約乙方互動過程皆有影像紀錄,而傳輸的會議簽名檔案(如保險資料檔案、要保單文件)也被後端的伺服器30接收儲存,不透過契約甲方的設備,以避免發生在契約乙方不知情情況下,雙方已合意的會議簽名檔案被私下竄改而無紀錄可稽查。Please refer to FIG. 1 , the
會議處理單元31依據契約甲方帳戶資料的登錄與契約乙方帳戶資料的登錄而啟動會議程序,傳送作業規範、操作畫面和契約乙方端即時影音至契約甲方端裝置10,傳送操作畫面和契約甲方端即時影音至契約乙方端裝置20。The
舉例來說,請參圖2A和圖2B所示之要保人進入遠距簽約系統程序,保險經紀人(契約甲方)先以契約甲方帳戶資料登入互動式遠距簽約系統選擇需要進行遠端投保的對象,互動式遠距簽約系統會依據契約甲方端裝置10的操作發送對應的連線通知到指定的對象(要保人,即契約乙方),當要保人也在互動式遠距簽約系統中登入自己的契約乙方帳戶資料後,並依照契約乙方作業視窗202所顯示的內容指示,於確認審閱同意書內容並點選「我同意」按鈕後,伺服器30的會議處理單元31就會啟動加密視訊的投保會議程序(即會議程序),將契約乙方端即時影音傳送並顯示在契約甲方端裝置10,和將契約甲方端即時影音傳送並顯示在契約乙方端裝置20,並進入下一投保會議程序:出示業務登記證程序,如圖3A和圖3B所示,在契約甲方端顯示單元12顯示的契約甲方作業視窗102中顯示每一程序保險經紀人需要留意確認的投保細節(作業規範)和顯示契約甲方端即時影像,例如圖3A中保險經紀人顯示證件的契約甲方端即時影音,而在契約乙方作業視窗202顯示「我確認招攬人員已出示有效登記證」按鈕,由要保人操作點選此按鈕後再接續下一個投保會議程序。For example, please refer to Figure 2A and Figure 2B for the procedure for the proposer to enter the remote contracting system. The insurance broker (Party A) first logs into the interactive remote contracting system with the account information of Party A and selects the remote contracting system that needs to be signed. The interactive remote contract signing system will send the corresponding connection notification to the designated object (the proposer, that is, the contract party B) according to the operation of the device 10 of the contract party A. When the proposer is also in the interactive remote After logging in the account information of Party B of the contract in the contract signing system, and according to the content instructions displayed in the operation window 202 of Party B of the contract, after confirming and reviewing the content of the agreement and clicking the "I Agree" button, the conference processing unit 31 of the server 30 The insurance meeting program (that is, the meeting program) of encrypted video will be started, and the real-time audio and video of the contract party B will be transmitted and displayed on the device 10 of the contract party A, and the real-time audio and video of the contract party A will be transmitted and displayed on the contract party B’s device 20, And enter the next insurance meeting program: show the business registration certificate program, as shown in Figure 3A and Figure 3B, in the contract Party A operation window 102 shown in the contract Party A terminal display unit 12, it is shown that each program insurance broker needs to pay attention to confirmation The insurance details (operating specifications) and real-time images displayed on Party A’s side of the contract, for example, in Figure 3A, the insurance broker shows the real-time audio and video on Party A’s side of the contract, while the operation window 202 of Party B on the contract shows “I confirm that the recruiter has presented a valid registration "Certificate" button, the proposer will operate and click this button before proceeding to the next insurance application meeting procedure.
影像分析單元32對契約乙方端即時影音之人臉影像進行人臉辨識,當辨識結果符合人臉註冊資訊,產生人臉驗證訊號並傳送至會議處理單元31而繼續執行會議程序。其中,人臉註冊資訊可以是契約乙方登入互動式遠距簽約系統時所註冊的當下人臉資訊,或是預先註冊在伺服器30中的人臉影像特徵。The
如此,互動式遠距簽約系統可以在每個程序、契約乙方於契約乙方作業視窗202執行任何操作動作、或是特定身份驗證程序中,對契約乙方端即時影音中顯示的人臉影像和人臉註冊資訊進行對臉部辨識,用以確認當下顯示在契約乙方端即時影音的操作人影像之身份,並且也可以確保互動式遠距簽約系統所記錄全程影像都是由同一契約乙方操作並經過身份驗證。In this way, the interactive remote signing system can check the face image and face displayed in the real-time audio and video of the contract party side in each program, contract party B performs any operation action in the contract
影像分析單元32也會判斷契約乙方端即時影音是否符合對應作業規範之預設條件,於符合時擷取契約乙方端即時影音之部分影像而產生操作畫面並傳送至會議處理單元31。也表示說,契約甲方作業視窗102和契約乙方作業視窗202所顯示的操作畫面是有所不同的,契約甲方作業視窗102顯示的操作畫面需要經過影像分析單元32判斷,當判斷有符合對應作業規範之預設條件下,才會擷取契約乙方端即時影音之部分影像而產生所述的操作畫面,如圖4A中契約甲方作業視窗102顯示的要保人註冊的人臉影像(操作畫面)必須是在契約乙方端即時影音有符合出現人臉影像之預設條件下而擷取的操作畫面。又例如圖6A中契約甲方作業視窗102顯示的加上防資料拷貝警示的證件影像(操作畫面)也是先判斷契約乙方端即時影音有符合對應作業規範之預設條件下而擷取產生的操作畫面。The
舉例來說,請參圖4A和圖4B所示之要保人人臉註冊程序,契約甲方作業視窗102先顯示契約乙方人臉註冊程序的作業規範,請要保人在契約乙方端即時影音顯示自己的臉部影像(圖未示),影像分析單元32判斷契約乙方端即時影音是否有顯示臉部影像(對應作業規範的預設條件),當有符合此預設條件時,影像分析單元32即會擷取契約乙方端即時影音中的臉部影像作為操作畫面,會議處理單元31再將操作畫面傳送到契約甲方端裝置10的契約甲方端顯示單元12,如圖4A所示畫面。於此,影像分析單元32在契約乙方端即時影音所擷取的臉部影像可以成為後續程序進行臉部辨識時的人臉註冊資訊,例如圖7A和圖7B所示之真人驗證程序、圖9A和圖9B所示之投保內容確認聲明程序、圖10A和圖10B所示之文件簽署程序等。For example, please refer to the applicant’s face registration procedure shown in Figure 4A and Figure 4B. Contract Party A’s
另外,所述的預設條件也可以是要求契約乙方在指定的驗證程序(如真人驗證程序)中在契約乙方端即時影音顯示指定的動作或表情,或者是透過觸控式輸入單元24輸入指定圖型,如圓形或任意多邊形等,影像分析單元32會分析此些影像或圖型影像判斷是否有符合對應作業規範的預設條件,於符合時,擷取此些影像或圖型影像作為操作畫面,會議處理單元31依據操作畫面接續執行會議程序。In addition, the preset condition may also be to require Party B to display the specified action or expression in real time on the party B side of the contract in a specified verification program (such as a real person verification program), or to input a specified action through the
在一些實施例態樣中,要保人人臉註冊程序也可以儲存多人的臉部影像作為人臉註冊資料,例如為未成年子女購買保險時,投保過程就會同時驗證未成年子女和其法定代理人之身份,即契約乙方為多人時,因此在要保人人臉註冊程序中,就會分別對要保人和法定代理人進行人臉註冊,所以在後續的操作程序中的驗證身份就會要求契約乙方端即時影音需要同時出現要保人和法定代理人的臉部影像才符合預設條件,能通過驗證。In some embodiments, the face registration program of the applicant can also store the facial images of multiple people as face registration data. For example, when purchasing insurance for a minor child, the insurance application process will simultaneously verify the minor child and other The identity of the legal representative, that is, when there are multiple parties to the contract, in the face registration procedure of the proposer, the face registration of the proposer and the legal representative will be performed separately, so the verification in the subsequent operating procedures The identity will require that the real-time audio and video on the second side of the contract must show the face images of the proposer and the legal representative at the same time to meet the preset conditions and pass the verification.
另外,契約甲方作業視窗102顯示的內容包含作業規範(如圖4A中「下一步」、「重新拍攝」、「辨識結果 人臉驗證通過」等說明內容)和操作畫面(如圖4A中要保人註冊的人臉影像),即契約甲方作業視窗102顯示內容不同於契約乙方作業視窗202顯示內容。如此,保險經紀人(契約甲方)可以透過契約甲方作業視窗102同步了解要保人(契約乙方)是否操作是否正確,或需要協助系統操作。In addition, the content displayed on the
儲存單元33,儲存作業規範與預設條件,並於執行會議程序期間記錄並儲存投保會議全程影音。其中投保會議全程影音包含契約甲方作業視窗102的顯示內容、契約甲方端即時影音、契約乙方作業視窗202的顯示內容和契約乙方端即時影音。如此,契約甲方與契約乙方在此互動式遠距簽約系統上的操作影像和互動影音得以被全程記錄並儲存。The
進一步地,在一些實施例態樣中,影像分析單元32對契約乙方端即時影音進行判斷所依據的預設條件包含連續拍攝的複數不同的證件影像,於符合預設條件時產生影像符合訊號,依據影像符合訊號選取其中一證件影像,經由會議處理單元31傳送而顯示於操作畫面。如此,可以更加增強互動式遠距簽約系統所儲存的證件影像的真實可靠性,說明所儲存的影像為契約乙方當下出具的證件,不是預先儲存的證件影像檔。另外,所述的證件可以是但不限於身份證、駕照、行照、護照、健保卡等含有人臉照片之證件,或者是具有防偽標誌的個人證件。Further, in some embodiments, the
連續拍攝的複數不同的證件影像可以是在一時間區段(如5秒或10秒)內,以變動不同拍攝角度而得的複數不同證件影像。舉例來說,當預設條件為以不同拍攝角度拍攝證件,影像分析單元32會對契約乙方端即時影音作影像判斷,當符合預設條件時,就會擷取證件影像作為操作畫面。The multiple different ID images captured continuously can be the multiple different ID images obtained by changing different shooting angles within a time period (eg, 5 seconds or 10 seconds). For example, when the default condition is to shoot the certificate at different shooting angles, the
如此,影像分析單元32可以透過不同拍攝角度的拍攝驗證證件去除拍攝環境光源的干擾,影像分析單元32可以更準確擷取所需要留存並且證件資訊內容清晰的證件影像。同時契約甲方可以從契約甲方作業視窗102顯示的作業畫面輔佐辨視所拍攝的證件是否具有光學防偽標誌,確認證件的真實性,以達到雙重確認。In this way, the
當所擷取到的證件影像夠清晰,影像分析單元32可以更準確進行文字讀取所拍攝的證件中顯示的文字內容(如身份證字號、姓名、出生年月日、證件號等)並判斷是否有符合契約乙方帳戶資料,或是此次簽名文件中所載的契約乙方資料,用以判斷證件之真偽之用。於判斷符合時就會產生影像符合訊號,而擷取證件影像並產生操作畫面。When the image of the captured certificate is clear enough, the
或者是,在連續拍攝的複數不同的證件影像作為預設條件下,影像分析單元32可以啟動光學偵測針對證件上的光學防偽標誌作偵測,一旦有偵測到就會產生影像符合訊號,並擷取證件影像和產生操作畫面。Alternatively, under the preset condition of taking a plurality of different certificate images continuously, the
進一步地,預設條件還可以為前述的證件影像之相片部分須符合人臉註冊資訊,於符合預設條件時,才產生影像符合訊號。或是設定預設條件為需要滿足連續拍攝的複數不同的證件影像和證件影像之相片部分符合人臉註冊資訊,用以加強該證件由要本人提供的真實性。Further, the preset condition can also be that the photo part of the above-mentioned certificate image must match the face registration information, and only when the preset condition is met, the image matching signal is generated. Or set the default condition to meet the need to meet the continuous shooting of a plurality of different ID images and the photo part of the ID image conforms to the face registration information, so as to strengthen the authenticity of the ID provided by the person.
舉例來說,請參閱圖5A和圖5B所示之證件防偽偵測程序,於此程序會進行證件真偽辨識,辨識方式可以如前述的設定預設條件方式進行,例如影像分析單元32可以啟動光學偵測針對證件上的光學防偽標誌作偵測加上對證件上的相片作臉部辨識之結合。進一步地,為了避免有心人僅用防偽貼紙貼在一般名片躲避此程序驗證,影像分析單元32還可以包含AI模型辨識模組,以AI模型辨識該證件是否為真實的證件作為預設條件。以身份證為例,AI模型辨識模組可以透過收集幾十萬張身份證照片進行機器學習,依據證件尺寸、各防偽標誌相對位置等參數計算判斷所偵測的證件是否有符合真實身份證應有的影像參數。另外,契約乙方端即時影音和「2秒後進行拍照」之作業規範也可以顯示於契約乙方作業視窗202中,如圖5B所示。For example, please refer to the document anti-counterfeiting detection program shown in Figure 5A and Figure 5B, in which the document authenticity identification will be carried out, and the identification method can be carried out in the way of setting preset conditions as mentioned above, for example, the
此外,在此程序還可以是在第一證件沒通過驗證時,再進行第二證件的真偽辨識,依據契約乙方的雙證件資訊以確保契約乙方的身份驗證的可靠性。In addition, in this procedure, when the first certificate fails to pass the verification, the authenticity of the second certificate can be identified, and the reliability of the identity verification of the contract party can be ensured based on the information of the dual certificates of the contract party B.
在一些實施例態樣中,其中會議處理單元31將前述的證件影像寫入警示並傳送至契約甲方端裝置10,契約甲方作業視窗102之操作畫面顯示寫入警示(例如是防資料拷貝之警示文字或是證件用途限定之說明文字)之證件影像。如此,契約乙方的個人證件不用離身交給契約甲方辦理業務,同時,契約甲方也無法透過互動式遠距簽約系統私自拷貝契約乙方的有效證件影像,以增加契約乙方的個人資訊安全性。In some embodiments, the
舉例來說,請參閱圖6A和圖6B,當影像分析單元32於證件防偽偵測程序驗證證件為真,符合對應作業規範的預設條件之後,會擷取契約乙方端即時影音中的證件影像,此外,契約甲方作業視窗102也會顯示「身份證驗證通過」之說明訊息,並且契約甲方作業視窗102所顯示的操作畫面會加上「OOOO遠距投保使用」之警示,防止要保人的個人證件影像被盜拷,如圖6A所示之證件拍攝程序。For example, please refer to FIG. 6A and FIG. 6B. When the
在一些實施例態樣中,請參照回圖1,伺服器30還可以包含語音辨識單元34,語音辨識契約乙方端即時影音的語音口令是否符合預設語音條件,於符合時而產生語音驗證訊號,會議處理單元31依據人臉驗證訊號和語音驗證訊號而繼續執行會議程序,儲存單元33儲存預設語音條件。如此,互動式遠距簽約系統還可以具備多重生物特徵辨識,結合影像(如影像分析單元32對契約乙方端即時影音進行嘴型分析、人臉比對、臉部血流偵測、或其結合等)和語音驗證確認契約乙方端裝置20所擷取的契約乙方端即時影音確實為真實個體,非預錄的影像或單純人臉照片,用以增加互動式遠距簽約系統所記錄的投保會議全程影音之真實可靠性。進一步地,前述的預設語音條件包含語音口令符合指定口令內容、預設語速或其結合,於符合預設語音條件時而產生語音驗證訊號。In some embodiments, please refer back to FIG. 1, the
舉例來說,請參閱圖7A和圖7B所示之真人驗證程序,在此程序中,保險經紀人(契約甲方)依據契約甲方作業視窗102顯示的作業規範引導要保人(契約乙方)作出符合作業規範的預設條件,例如顯示出要保人的人臉影像等,影像分析單元32於判斷符合預設條件時,就會擷取要保人的人臉影像(契約乙方端即時影音之部分影像)而產生操作畫面傳送至會議處理單元31,會議處理單元31會將接收到的操作畫面加上隨機產生的一組指定口令,如數字組合「4980」或是一段文字內容,再傳送含有指令口令的操作畫面到契約甲方作業視窗102,如圖7A所示。接著,影像分析單元32和語音辨識單元34可以同時或先後有次序地分別進行影像分析和語音分析,當影像分析符合預設條件(例如嘴型分析、臉部血流偵測等)且語音分析也符合預設語音條件(例如指定口令內容分析、預設語速等)時,才通過真人驗證程序。For example, please refer to the real person verification program shown in Fig. 7A and Fig. 7B. In this program, the insurance broker (Party A of the contract) guides the proposer (Party B of the contract) according to the operation specification displayed in the
另外,語音辨識單元34辨識契約乙方端即時影音的語音口令是否符合預設語音條件也可以應用在如圖9A和圖9B所示之投保內容確認聲明程序中,在此程序中,除了影像分析單元32會進行人臉辨識之外,會議處理單元31傳送至契約乙方作業視窗202的內容包含以一固定速度作文字顏色變化的投保內容聲明(如圖9B的契約乙方作業視窗202顯示內容),一來引導要保人(契約乙方)可以念出相同的投保內容聲明外,還可以將此固定速度作為預設語速,語音辨識單元34判斷契約乙方端即時影音的語音口令是否有符合預設語速之預設語音條件,若判斷不符合預設語速時,則此會議處理單元31會在契約乙方端裝置20的操作畫面顯示語音辨識不符,並指示要保人需要重新錄製。進一步地,會議處理單元31傳送至契約乙方作業視窗202的內容可以更包含控制投保內容聲明文字大小和文字顏色變化速度等操作選項,讓要保人自己設定最舒適的閱讀方式以及念讀速度,增加使用者對介面操作的好感度。In addition, the
在一些實施例態樣中,操作畫面可以顯示契約文件檔案,契約乙方端裝置20將電子簽名檔寫入契約文件檔案而產生簽署文件檔案,並傳送簽署文件檔案至伺服器30。如此,伺服器30除了會儲存契約乙方審閱契約文件和在契約文件上簽名的全程影音,還會儲存具有契約乙方電子簽名檔的簽署文件檔案,並且契約甲方可以不用經手契約乙方的電子簽名檔,以保護契約乙方的個人資訊安全。In some embodiments, the operation screen can display the contract document file, and the
舉例來說,請參閱圖10A和圖10B所示之文件簽署程序,當在執行文件簽署程序中,契約乙方作業視窗202和契約甲方作業視窗102顯示的操作畫面包含保單文件(契約文件檔案)和各自簽名之操作說明,並且保險經紀人(契約甲方)和要保人(契約乙方)可以非同步簽名,契約甲方作業視窗102顯示的操作畫面會依序顯示需要保險經紀人簽名的頁面,而契約乙方作業視窗202所顯示的內容則是需要保人簽名的頁面,如此,保險經紀人和要保人可以各自輸入自己的電子簽名檔。進一步地,契約乙方作業視窗202顯示內容可以包含「授權載入簽名」按鈕(如圖10B所示之契約乙方作業視窗202),契約乙方只要點選此按鈕,伺服器30會執行人臉辨識,於符合人臉註冊資料時,會議處理單元31發送寫入簽名指令至契約乙方端裝置20,契約乙方端裝置20據此將要保人的電子簽名檔寫入保單文件中。或者是,會議處理單元31可以依據人臉驗證訊號將契約乙方端裝置20所傳送之電子簽名檔寫入保單文件檔案。For example, please refer to the document signing procedure shown in FIG. 10A and FIG. 10B . During the execution of the document signing procedure, the operation screen displayed on the
所述的電子簽名檔可以是包含使用者親簽的簽名資料之多種態樣,請參閱圖11A至圖11C。例如,所述的電子簽名檔可以是如圖11A所示之人臉簽名檔,包含於使用者簽名當下通過人臉驗證所擷取的人臉影像,以及簽名資料。舉例來說,伺服器30可以事前發送授權碼或電子憑證至使用者的手機(如契約乙方端裝置20),當使用者在手機上完成簽署文件後,伺服器30透過授權碼或電子憑證即可確認接受到的簽署文件檔案是經過身分驗證,也確保使用者的個人資訊,如簽名檔、臉部特徵及生物特徵等皆儲存在使用者的個人裝置,此些個人資訊不外流給其他單位以增加個人資訊安全性。或者是由影像分析單元32對契約乙方端即時影像作人臉辨識,於辨識符合時,由伺服器30傳送人臉驗證訊號至契約乙方端裝置20,契約乙方端裝置20據此將具有人臉影像的電子簽名檔寫入契約文件檔案而產生簽署文件檔案,並傳送簽署文件檔案至伺服器30。另外,也可是由伺服器30的處理單元(圖未示)依據人臉驗證訊號將自契約乙方端裝置20接收到的簽名資料結合人臉影像而產生的人臉簽名檔寫入契約文件檔案而產生簽署文件檔案。所述的伺服器30之處理單元連接會議處理單元31、影像分析單元32和儲存單元33。The electronic signature file can be in various forms including signature data signed by the user, please refer to FIG. 11A to FIG. 11C . For example, the electronic signature file may be a face signature file as shown in FIG. 11A , which includes a face image captured through face verification at the moment of user signature, and signature data. For example, the
進一步地,所述的電子簽名檔可以更包含生物特徵影像,如圖11B所示之人臉簽名檔,於使用者的裝置(如契約乙方端裝置20)擷取的生物特徵可以是但不限於指紋、指靜脈紋、虹膜、聲紋等,而此生物特徵辨識可以是經由伺服器30所認證的裝置進行生物特徵比對,伺服器30透過授權碼或電子憑證即可確認來自契約乙方端裝置20的簽署文件檔案是經過身分驗證。或是由伺服器30的生物特徵比對單元(圖未示)或由影像分析單元32和(或)語音辨識單元34分析比對來自於契約乙方端裝置20所擷取的生物特徵資訊是否符合人臉註冊資訊,於符合時,擷取生物特徵影像。所述的伺服器30之生物特徵比對單元連接會議處理單元31、影像分析單元32、語音辨識單元34和儲存單元33。接著,伺服器30的處理單元依據生物特徵驗證訊號和人臉驗證訊號將契約乙方端裝置20所傳送之親簽的簽名資料結合人臉影像和生物特徵影像而產生之電子簽名檔寫入契約文件檔案。或者是伺服器30傳送生物特徵驗證訊號和人臉驗證訊號至契約乙方端裝置20,由契約乙方端裝置20據此將具有人臉影像、生物特徵影像的電子簽名檔寫入契約文件檔案而產生簽署文件檔案,並傳送簽署文件檔案至伺服器30。Further, the electronic signature file may further include a biometric image, such as the face signature file shown in Figure 11B, and the biometrics captured by the user's device (such as the
另外,所述的電子簽名檔也可以更包含見證人即時影像,如圖11C所示。所述的見證人即時影像為見證使用者執行電子簽名之人的當下影像,例如在圖10B之文件簽署程序中,保險經紀人(契約甲方)透過即時影像畫面見證要保人(契約乙方)執行電子簽名,此時,伺服器30的影像分析單元32會擷取契約甲方端即時影音所顯示的人臉影像而產生見證人即時影像。此見證人即時影像可以傳送至已經由伺服器30所認證契約乙方端裝置20,由契約乙方端裝置20產生簽署文件檔案並傳送至伺服器30。或是由伺服器30將具有見證人即時影像之電子簽名檔寫入簽署文件檔案而產生簽署文件檔案。In addition, the electronic signature file may further include a real-time image of the witness, as shown in FIG. 11C . The real-time image of the witness mentioned above is the current image of the person who witnessed the user executing the electronic signature. For example, in the document signing process in Figure 10B, the insurance broker (Party A of the contract) witnesses the proposer (Party B of the contract) through the real-time image screen Executing the electronic signature, at this time, the
進一步地,前述的電子簽名檔中所含的每一個影像(如簽名資料、人臉影像、生物特徵影像、見證人即時影像等)皆可以各自添加一組依據雜湊演算法算出的雜湊資料,如圖11C所示之人臉簽名檔。例如伺服器30中的雜湊資料單元(圖未示)以雜湊演算法產生出強度最少為8位以上16進位的雜湊資料(Hashcode)。所述的伺服器30之雜湊資料單元連接會議處理單元31、影像分析單元32、語音辨識單元34、儲存單元33和生物特徵比對單元。如此,以便日後有第三方單位要驗證此份簽署文件檔案上的人臉簽名檔是否真實,可透過人臉簽名檔所含的雜湊資料去比對使用者簽名過程的身份驗證影像紀錄,當身份驗證影像所得到的雜湊資料和人臉簽名檔的雜湊資料一致,即可驗證此人臉簽名檔為身份驗證影像紀錄當下所簽的。Furthermore, each image (such as signature data, face image, biometric image, witness real-time image, etc.) contained in the aforementioned electronic signature file can add a set of hash data calculated according to the hash algorithm, such as The face signature file shown in Fig. 11C. For example, the hash data unit (not shown) in the
另外,在文件簽署程序中,契約乙方端裝置20需要多人簽名時,例如當要保人為未成年時,所簽署的文件還需要同時具備法定代理人的簽名,伺服器30執行的人臉辨識就會以包含有要保人和法定代理人的人臉註冊資料作為比對依據,當契約乙方端即時影音中人臉影像有同時出現要保人和法定代理人的臉部影像(如圖10C和圖10D所示),才符合人臉辨識比對,再將要保人的人臉簽名檔寫入保單文件(契約文件檔案)中,一來符合未成年簽名需要法定代理人在場之規定,二來此份電子簽名是經過身份驗證並有影像紀錄存證,加強簽署文件的真實性。In addition, in the document signing process, when the
進一步地,在一些實施例態樣中,契約乙方完成簽名的頁面會即時更新到契約甲方作業視窗102顯示的契約文件檔案,如此契約甲方可以隨時掌握契約乙方的簽名狀況,在必要時及時告知契約內容所需注意事項。接著,伺服器30的儲存單元33會儲存具有契約甲方簽名和契約乙方簽名的簽署文件檔案。Further, in some embodiments, the page where Party B completes the signature will be immediately updated to the contract file file displayed on Party A's
另外,在一些實施例態樣中,儲存單元33儲存複數契約文件資訊,依據契約甲方端裝置10對此些契約文件資訊之其中一者輸入的編輯操作而產生契約文件檔案。如此,契約甲方可以和契約乙方做好契約細節討論,依據討論內容在互動式遠距簽約系統上調整契約內容條件,如以保單文件為例,可以輸入保險商品類型、保險條件、要保人基本資料等,並將文件儲存在系統中,讓保單資訊電子化且有明確紀錄查詢修改歷程。In addition, in some embodiments, the
此外,在一些實施例態樣中,契約甲方作業視窗102和契約乙方作業視窗202各自包含說明視窗100,會議處理單元31於啟動會議程序後,依據會議程序傳送程序名稱並顯示於說明視窗100,例如在圖7A和圖7B中的說明視窗100顯示「真人驗證」之程序名稱、在圖10A和圖10B中的說明視窗100顯示「文件簽署」之程序名稱等。如此,契約乙方可以在投保過程明確了解到目前的執行程序為何,一旦有任何疑問都可以即時透過線上視訊和契約甲方充分溝通,用以保障契約乙方權利,同時也可以避免日後誤解糾紛產生。In addition, in some embodiments, the
另外,在一些實施例態樣中,請再參閱回圖1,經過送件前確認程序確認過的簽署文件檔案,伺服器30的加密單元35可以依據一設定條件加密該簽署文件檔案而限制簽署文件檔案之取用。設定條件可以包含但不限於是限制列印(不能列印或輸入密碼才能列印)、限制複製(不能複製或輸入密碼才能複製)、讀取密碼等條件,用以限制對簽署文件檔案的取用權限,提高文件的保密性或機密性。另外,簽署文件上的內容無法被竄改以及簽名無法被他人拷貝盜用,以確保使用者之權益。In addition, in some embodiments, please refer back to FIG. 1, the
所述的會議程序可以是但不限為投保會議程序,其包含以下步驟S101~S112。The meeting program may be, but not limited to, an insurance application meeting program, which includes the following steps S101-S112.
步驟S101:進入系統程序。Step S101: Enter the system program.
例如,請參圖2A和圖2B所示之要保人進入遠距投保系統程序, 當保險經紀人(契約甲方)和要保人(契約乙方)皆登入此互動式遠距簽約系統時,雙方視訊畫面需等待要保人依照契約乙方作業視窗202所顯示的內容指示,於要保人確認審閱同意書內容並點選「我同意」按鈕後,伺服器30的會議處理單元31才會啟動加密視訊的投保會議程序,開通雙方的視訊畫面。For example, please refer to the program of the proposer entering the remote insurance application system shown in Figure 2A and Figure 2B. When both the insurance broker (Party A of the contract) and the proposer (Party B of the contract) log in to the interactive remote signing system, The video screens of both parties need to wait for the proposer to follow the instructions displayed in the
步驟S102:確認業務員程序。Step S102: confirm the salesperson program.
例如於圖3A和圖3B所示的出示業務登記證程序中,契約甲方作業視窗102會顯示此程序需要執行的作業規範,例如請要保人確認保險經紀人是否有如實地出示保險經紀人證件,而會議處理單元31在契約乙方作業視窗202會顯示「我確認招攬人員已出示有效登記證」之按鈕,由要保人操作點選此按鈕後再接續下一個投保會議程序。For example, in the procedure of presenting the business registration certificate shown in Fig. 3A and Fig. 3B, the
步驟S103:臉部取證程序。Step S103: facial forensics procedure.
請參圖4A和圖4B所示之要保人人臉註冊程序,契約甲方作業視窗102先顯示要保人人臉註冊程序的作業規範,請要保人在契約乙方端即時影音顯示自己的臉部影像,影像分析單元32判斷契約乙方端即時影音是否有顯示臉部影像(對應作業規範的預設條件),當有符合預設條件時,影像分析單元32即會擷取契約乙方端即時影音中的臉部影像作為操作畫面,會議處理單元31再將操作畫面傳送到契約甲方端裝置10,由契約甲方端顯示單元12顯示如圖4A所示畫面。於此,影像分析單元32在契約乙方端即時影音所擷取的臉部影像可以成為後續程序進行臉部辨識時的人臉註冊資訊。另外,於此程序也可設定儲存多人的臉部影像作為人臉註冊資料,如前述相關段落所載,在此不再累述。由於每個執行程序都經過與要保人人臉註冊程序所註冊的人臉資料比對驗證過程,也可說明此次的投保影音內容都是同一要保人所操作。Please refer to the applicant’s face registration procedure shown in Figure 4A and Figure 4B. Contract Party A’s
步驟S104:證件防偽偵測程序。Step S104: document anti-counterfeiting detection program.
例如圖5A和圖5B所示之證件防偽偵測程序,於此程序會進行證件真偽辨識,辨識方式可以如前述的設定預設條件方式進行,例如影像分析單元32可以判斷契約乙方端即時影音是否有出現以不同角度拍攝的證件影像之預設條件,如此一來可避免環境光源的干擾選擇最清晰的證件影像作證件資訊分析是否符合契約乙方帳戶資料和對證件上的相片進行人臉辨識,進一步地,還也可以用光學防偽標誌偵測或結合AI模型判斷所偵測的證件是否有符合真實身份證應有的影像參數。For example, the certificate anti-counterfeiting detection program shown in Figure 5A and Figure 5B, in this program, the identification of the authenticity of the document will be carried out, and the identification method can be carried out in the way of setting preset conditions as described above, for example, the
步驟S105:完成證件影像擷取程序。Step S105: Complete the certificate image capture procedure.
當完成的證件真偽偵測且判斷符合真實的證件影像要件後,進行如圖6A和圖6B所示之證件拍攝程序,會議處理單元31將對所擷取的證件影像寫入警示以防止有心人拷貝證件。After completing the document authenticity detection and judging that it meets the real document image requirements, the document photographing procedure shown in Figure 6A and Figure 6B is carried out, and the
步驟S106:活體辨認程序。Step S106: a living body identification program.
請參閱圖7A和圖7B所示之真人驗證程序,影像分析單元32會先對契約乙方端即時影音的人臉影像進行人臉辨識,當辨識結果符合人臉註冊資訊,會議處理單元31繼續執行投保會議程序。契約甲方作業視窗102會顯示的作業規範以便保險經紀人引導要保人作出符合作業規範的預設條件,例如顯示出要保人的人臉影像等,影像分析單元32於判斷符合預設條件時,就會擷取要保人的人臉影像(契約乙方端即時影音之部分影像)而產生操作畫面傳送至會議處理單元31,會議處理單元31會將接收到的要保人的人臉影像(操作畫面)加上隨機產生的一組指定口令,如數字組合「4980」或是一段文字內容,再傳送含有指令口令的操作畫面到契約甲方作業視窗102,如圖7A所示。接著,影像分析單元32和語音辨識單元34會進行影像分析和語音分析,如前段相關說明所述,在此不再累述。Please refer to the real person verification program shown in Figure 7A and Figure 7B, the
步驟S107:要保書內容審閱程序。Step S107: A procedure for reviewing the content of the application for guarantee.
舉例來說,請參閱圖8A和圖8B所示之要保文件審閱程序,在此程序可以先驗證契約乙方端即時影音的人臉影像是否為符合人臉註冊資訊的要保人,經過人臉辨識後,會議處理單元31才會於契約乙方作業視窗202顯示此要保人的要保文件,以維護文件的機密性。進一步地,契約乙方作業視窗202顯示內容可包含控制文件頁面上、下頁之按鈕(如圖8B所示),要保人可以透過點選控上、下頁之按鈕控制契約乙方作業視窗202顯示的要保文件內容,伺服器30依據要保人在契約乙方端裝置20輸入的操作對應調整契約甲方作業視窗102顯示的要保文件內容,如此當要保人對要保文件有任何問題時,保險經紀人可以同步且準確了解要保人之疑慮為何,而給予對應的解釋和說明。For example, please refer to the document review process shown in Figure 8A and Figure 8B. In this program, it can first verify whether the real-time audio and video face image of Party B on the contract is the proposer who matches the face registration information. After identification, the
步驟S108:投保內容確認聲明程序。Step S108: Procedure for confirming and declaring insurance content.
請參閱圖9A和圖9B所示之投保內容確認聲明程序中,影像分析單元32進行人臉辨識符合後,會議處理單元31傳送至契約乙方端裝置20的顯示內容包含以一固定速度作文字顏色變化的投保內容聲明,此文字顏色變化速度和預設語速一致,語音辨識單元34會分析契約乙方端即時影音的語音口令是否有符合此預設語速進行語音辨識(即預設語音條件)。於此程序中,當影像分析符合預設條件(包含但不限於嘴型分析、臉部血流偵測等)且語音分析也符合預設語音條件(包含但不限於指定口令內容分析、預設語速等)時,才算完成投保內容確認聲明程序繼續下一個程序。Please refer to the procedure for confirming and declaring the insurance content shown in Figure 9A and Figure 9B, after the
步驟S109:非同步簽名與授權載入程序。Step S109: Asynchronous signature and authorization loading program.
請參閱圖10A和圖10B所示之文件簽署程序,契約乙方作業視窗202和契約甲方作業視窗102顯示的操作畫面包含保單文件檔案和各自電子簽名之操作說明,並且保險經紀人和要保人可以非同步簽名,契約甲方作業視窗102顯示的操作畫面會依序顯示需要保險經紀人簽名的頁面,而契約乙方作業視窗202所顯示的內容則是需要保人簽名的頁面,如此,保險經紀人和要保人可以各自輸入自己的簽名資訊,並且要保人簽完名的頁面也可以即時更新到契約甲方作業視窗102顯示的操作畫面。進一步地,契約乙方作業視窗202顯示內容可以包含「授權載入簽名」按鈕(如圖10B所示之契約乙方作業視窗202),要保人只要點選此按鈕,伺服器30會執行人臉辨識,於符合人臉註冊資料時,契約乙方端裝置20將要保人的人臉簽名檔寫入保單文件檔案中。另外,在此程序中也可以因應保單內容需求,驗證多人的臉部影像及寫入人臉簽名檔,如前述相關段落所述,在此不再累述。Please refer to the document signing procedure shown in Fig. 10A and Fig. 10B, the operation screen displayed by contract party B's
步驟S110:送件前確認程序。Step S110: Confirm the procedure before sending the item.
請參閱圖12A和圖12B所示之送件前確認程序,當保單文件檔案已完成文件簽署程序後,伺服器30會儲存此份簽署文件檔案,並在圖12A和圖12B所示程序中,分別在契約甲方作業視窗102和契約乙方作業視窗202顯示此份簽署文件檔案,而且契約甲方作業視窗102顯示的簽署文件內容也會是對應要保人對簽署文件頁面的操作。如此,透過由保險經紀人和要保人雙方作最後檢查,並記錄要保人同意內容正確無誤之影音。在一些實施例態樣中,如圖12C所示,契約乙方端顯示單元22也可以同時顯示契約甲方端即時影音和契約乙方端即時影音。Please refer to the pre-delivery confirmation process shown in Figure 12A and Figure 12B, when the policy document file has completed the document signing process, the
步驟S111:繳費資料填寫程序。Step S111: Procedure for filling in payment information.
請參閱圖13A和圖13B所示之繳費資料填寫程序,當保險經紀人和要保人雙方都對簽署文件檔案內容沒有疑義時,會議處理單元31會傳送繳費資料填寫欄位之顯示內容至契約乙方作業視窗202,而傳送「付款資料填寫中」之操作畫面至契約甲方作業視窗102。如此,保險經紀人不經手個人隱私性較高的銀行或信用卡資訊,保護個人資訊不外洩,也保障要保人權益。Please refer to the payment information filling procedure shown in Figure 13A and Figure 13B, when both the insurance broker and the proposer have no doubt about the content of the signed document file, the
步驟S112:投保完成OTP程序。Step S112: The OTP procedure is completed after applying for insurance.
請參閱圖14A和圖14B所示之遠距投保OTP確認程序,依據遠距保險相關法規規定,遠距保險需要向要保人發送一次性密碼(OTP)作身分驗證,會議處理單元31僅會傳送需要輸入簡訊密碼的欄位之顯示內容至契約乙方作業視窗202,而傳送「OTP發送與填寫中」之作業規範至契約甲方作業視窗102,用以隔離保險經紀人獲取過多有關要保人較私人的個人訊息。Please refer to the OTP confirmation procedure for long-distance insurance application shown in Figure 14A and Figure 14B. According to the relevant laws and regulations of long-distance insurance, long-distance insurance needs to send a one-time password (OTP) to the applicant for identity verification, and the
綜上所述,本發明之互動式遠距簽約系統以線上即時視訊結合直覺式設計的作業視窗,讓契約甲方和契約乙方得以在同一操作平台上,透過協同動作的作業視窗(即契約甲方作業視窗所顯示的內容與契約乙方作業視窗的內容有所不同,兩者非共享畫面)得以輕易完成程序複雜的會議程序,契約乙方對會議內容或過程有任何疑慮都可以即時透過作業視窗和即時影音在此平台與契約甲方互動,不受地域空間所拘束,又可達到零接觸之防疫功效。此外,本發明更具備影音分析和生物特徵驗證功能,能在會議過程中即時對契約甲方端和契約乙方端進行驗證,而非單純只作影像紀錄,藉此增進互動式遠距簽約系統所記錄的會議影像的真實可靠性,而線上完成的簽署文件中的電子簽名檔也是經過多重的生物特徵驗證,並有電子紀錄可以被追朔。進一步地,透過電子化的會議程序,契約乙方的個人證件可以不離身,契約甲方也無須經手證件處理,契約甲方端所顯示的作業視窗都會經過防拷貝處理,加上所有紀錄和上傳檔案都可以被加密儲存在後端的伺服器中,非契約甲方的個人裝置,用以保障契約乙方的個人資訊安全。To sum up, the interactive remote signing system of the present invention combines online real-time video with an intuitively designed operation window, so that contract party A and contract party B can operate on the same operating platform through the collaborative operation window (that is, contract A The content displayed in the operation window of Party B is different from that of the operation window of Party B of the contract, and the two are not shared screens) to easily complete the complicated meeting procedures. If Party B has any doubts about the content or process of the meeting, he can immediately use the operation window and Real-time audio and video interacts with contracting party A on this platform, which is not restricted by geographical space and can achieve the effect of zero-contact epidemic prevention. In addition, the present invention has audio-visual analysis and biometric verification functions, and can instantly verify contract party A and contract party B during the meeting, instead of simply recording images, thereby enhancing the interactive remote signing system. The authenticity and reliability of the recorded meeting images, and the electronic signature files in the signed documents completed online have also undergone multiple biometric verifications, and electronic records can be traced. Furthermore, through the electronic meeting procedure, the personal certificate of Party B can not leave the body, and Party A does not need to handle the certificate. All can be encrypted and stored in the back-end server, not the personal device of Party A, to protect the personal information security of Party B.
雖然本發明的技術內容已經以較佳實施例揭露如上,然其並非用以限定本發明,任何熟習此技藝者,在不脫離本發明之精神所作些許之更動與潤飾,皆應涵蓋於本發明的範疇內,因此本發明之保護範圍當視後附之申請專利範圍所界定者為準。Although the technical content of the present invention has been disclosed above with preferred embodiments, it is not intended to limit the present invention. Any modification and modification made by those skilled in the art without departing from the spirit of the present invention should be covered by the present invention. Therefore, the scope of protection of the present invention should be defined by the scope of the appended patent application.
10:契約甲方端裝置 11:契約甲方端影像擷取單元 12:契約甲方端顯示單元 13:契約甲方端音訊單元 100:說明視窗 101:契約甲方端視窗 102:契約甲方作業視窗 103:契約甲方端即時影音選擇按鈕 20:契約乙方端裝置 21:契約乙方端影像擷取單元 22:契約乙方端顯示單元 23:契約乙方端音訊單元 24:觸控式輸入單元 201:契約乙方端視窗 202:契約乙方作業視窗 203:契約乙方端即時影音選擇按鈕 30:伺服器 31:會議處理單元 32:影像分析單元 33:儲存單元 34:語音辨識單元 35:加密單元10: contract party A terminal device 11: contract party A terminal image capture unit 12: contract party A terminal display unit 13: contract party A terminal audio unit 100: instruction window 101: contract party A terminal window 102: contract party A operation Window 103: real-time audio and video selection button at contract party A's side 20: contract party B's device 21: contract party B's image capture unit 22: contract party B's display unit 23: contract party B's audio unit 24: touch input unit 201: contract Party B terminal window 202: contract party B operation window 203: contract party B terminal real-time audio and video selection button 30: server 31: conference processing unit 32: image analysis unit 33: storage unit 34: speech recognition unit 35: encryption unit
[圖1] 為本發明一實施例之互動式遠距簽約系統方塊圖。 [圖2A] 為本發明一實施例之契約甲方端顯示單元顯示之契約乙方進入遠距簽約系統程序示意圖。 [圖2B] 為本發明一實施例之契約乙方端顯示單元顯示之契約乙方進入遠距簽約系統程序示意圖。 [圖3A] 為本發明一實施例之契約甲方端顯示單元顯示之出示業務登記證程序示意圖。 [圖3B] 為本發明一實施例之契約乙方端顯示單元顯示之出示業務登記證程序示意圖。 [圖3C] 為本發明一實施例之契約甲方端顯示單元顯示之出示業務登記證程序示意圖。 [圖3D] 為本發明一實施例之契約乙方端顯示單元顯示之出示業務登記證程序示意圖。 [圖4A] 為本發明一實施例之契約甲方端顯示單元顯示之契約乙方人臉註冊程序示意圖。 [圖4B] 為本發明一實施例之契約乙方端顯示單元顯示之契約乙方人臉註冊程序示意圖。 [圖5A] 為本發明一實施例之契約甲方端顯示單元顯示之證件防偽偵測程序示意圖。 [圖5B] 為本發明一實施例之契約乙方端顯示單元顯示之證件防偽偵測程序示意圖。 [圖6A] 為本發明一實施例之契約甲方端顯示單元顯示之證件拍攝程序示意圖。 [圖6B] 為本發明一實施例之契約乙方端顯示單元顯示之證件拍攝程序示意圖。 [圖7A] 為本發明一實施例之契約甲方端顯示單元顯示之真人驗證程序示意圖。 [圖7B] 為本發明一實施例之契約乙方端顯示單元顯示之真人驗證程序示意圖。 [圖8A] 為本發明一實施例之契約甲方端顯示單元顯示之要保文件審閱程序示意圖。 [圖8B] 為本發明一實施例之契約乙方端顯示單元顯示之要保文件審閱程序示意圖。 [圖9A] 為本發明一實施例之契約甲方端顯示單元顯示之投保內容確認聲明程序示意圖。 [圖9B] 為本發明一實施例之契約乙方端顯示單元顯示之投保內容確認聲明程序示意圖。 [圖10A] 為本發明一實施例之契約甲方端顯示單元顯示之文件簽署程序示意圖(一)。 [圖10B] 為本發明一實施例之契約乙方端顯示單元顯示之文件簽署程序示意圖(一)。 [圖10C] 為本發明一實施例之契約甲方端顯示單元顯示之文件簽署程序示意圖(二)。 [圖10D] 為本發明一實施例之契約乙方端顯示單元顯示之文件簽署程序示意圖(二)。 [圖11A] 為本發明一實施例之電子簽名檔示意圖(一)。 [圖11B] 為本發明一實施例之電子簽名檔示意圖(二)。 [圖11C] 為本發明一實施例之電子簽名檔示意圖(三)。 [圖12A] 為本發明一實施例之契約甲方端顯示單元顯示之送件前確認程序示意圖。 [圖12B] 為本發明一實施例之契約乙方端顯示單元顯示之送件前確認程序示意圖(一)。 [圖12C] 為本發明一實施例之契約乙方端顯示單元顯示之送件前確認程序示意圖(二)。 [圖13A] 為本發明一實施例之契約甲方端顯示單元顯示之繳費資料填寫程序示意圖。 [圖13B] 為本發明一實施例之契約乙方端顯示單元顯示之繳費資料填寫程序示意圖。 [圖14A] 為本發明一實施例之契約甲方端顯示單元顯示之遠距投保OTP確認程序示意圖。 [圖14B] 為本發明一實施例之契約乙方端顯示單元顯示之遠距投保OTP確認程序示意圖。[Fig. 1] is a block diagram of an interactive remote signing system according to an embodiment of the present invention. [FIG. 2A] It is a schematic diagram of the program of contract party B entering the remote signing system displayed on the display unit of contract party A's terminal according to an embodiment of the present invention. [FIG. 2B] It is a schematic diagram of the procedure for entering the remote signing system displayed by the contract party B's terminal display unit according to an embodiment of the present invention. [Fig. 3A] is a schematic diagram of the procedure for presenting the business registration certificate displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [Fig. 3B] is a schematic diagram of the procedure for presenting the business registration certificate displayed on the display unit of the party B's side of the contract according to an embodiment of the present invention. [Fig. 3C] is a schematic diagram of the procedure for presenting the business registration certificate displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [Fig. 3D] is a schematic diagram of the procedure for presenting the business registration certificate displayed on the display unit of the party B's side of the contract according to an embodiment of the present invention. [Fig. 4A] is a schematic diagram of the face registration procedure of the contract party B displayed on the display unit of the contract party A's side according to an embodiment of the present invention. [Fig. 4B] is a schematic diagram of the face registration procedure of the contract party B displayed on the display unit of the contract party B side according to an embodiment of the present invention. [FIG. 5A] It is a schematic diagram of the certificate anti-counterfeiting detection procedure displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [FIG. 5B] It is a schematic diagram of the anti-counterfeiting detection procedure of the certificate displayed on the display unit of the party B of the contract according to an embodiment of the present invention. [FIG. 6A] It is a schematic diagram of the document photographing procedure displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [Fig. 6B] It is a schematic diagram of the document photographing procedure displayed on the display unit of the party B's side of the contract according to an embodiment of the present invention. [FIG. 7A] It is a schematic diagram of the real person verification procedure displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [FIG. 7B] It is a schematic diagram of the real person verification procedure displayed on the display unit of the party B of the contract according to an embodiment of the present invention. [FIG. 8A] It is a schematic diagram of the review process of the document for protection displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [FIG. 8B] It is a schematic diagram of the review process of the document for protection displayed on the display unit of the party B of the contract according to an embodiment of the present invention. [FIG. 9A] It is a schematic diagram of the procedure for confirming and declaring the insurance content displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [FIG. 9B] It is a schematic diagram of the procedure for confirming and declaring the insurance content displayed on the display unit of the party B's side of the contract according to an embodiment of the present invention. [FIG. 10A] It is a schematic diagram of the document signing procedure displayed on the display unit of the party A of the contract according to an embodiment of the present invention (1). [Fig. 10B] is a schematic diagram of the document signing procedure (1) displayed on the display unit of the party B side of the contract according to an embodiment of the present invention. [FIG. 10C] is a schematic diagram (2) of the document signing procedure displayed on the display unit of Party A of the contract according to an embodiment of the present invention. [FIG. 10D] is a schematic diagram (2) of the document signing procedure displayed on the display unit of the party B side of the contract according to an embodiment of the present invention. [FIG. 11A] is a schematic diagram (1) of an electronic signature file according to an embodiment of the present invention. [Fig. 11B] is a schematic diagram (2) of an electronic signature file according to an embodiment of the present invention. [Fig. 11C] is a schematic diagram (3) of an electronic signature file according to an embodiment of the present invention. [FIG. 12A] It is a schematic diagram of the pre-delivery confirmation procedure displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [Fig. 12B] is a schematic diagram of the pre-delivery confirmation procedure displayed on the display unit of the party B of the contract according to an embodiment of the present invention (1). [Fig. 12C] is a schematic diagram (2) of the pre-delivery confirmation procedure displayed on the display unit of the party B's side of the contract according to an embodiment of the present invention. [FIG. 13A] It is a schematic diagram of the procedure for filling in the payment information displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [FIG. 13B] It is a schematic diagram of the procedure for filling in the payment information displayed on the display unit of the party B of the contract according to an embodiment of the present invention. [FIG. 14A] It is a schematic diagram of the remote insurance OTP confirmation procedure displayed on the display unit of the party A of the contract according to an embodiment of the present invention. [FIG. 14B] It is a schematic diagram of the remote insurance OTP confirmation procedure displayed on the display unit of the contract party B's end according to an embodiment of the present invention.
10:契約甲方端裝置 10: Party A's device in the contract
11:契約甲方端影像擷取單元 11: The image capture unit of contract party A
12:契約甲方端顯示單元 12: The display unit of Party A of the contract
13:契約甲方端音訊單元 13:Contract party A terminal audio unit
20:契約乙方端裝置 20: Party B's device in the contract
21:契約乙方端影像擷取單元 21: Contract party B end image capture unit
22:契約乙方端顯示單元 22: The display unit of Party B of the contract
23:契約乙方端音訊單元 23: Contract party B terminal audio unit
24:觸控式輸入單元 24: Touch input unit
30:伺服器 30:Server
31:會議處理單元 31: Conference processing unit
32:影像分析單元 32: Image analysis unit
33:儲存單元 33: storage unit
34:語音辨識單元 34:Speech recognition unit
35:加密單元 35: encryption unit
Claims (12)
Priority Applications (1)
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TW110141426A TW202320008A (en) | 2021-11-05 | 2021-11-05 | Interactive remote contracting and signature generating system |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
TW110141426A TW202320008A (en) | 2021-11-05 | 2021-11-05 | Interactive remote contracting and signature generating system |
Publications (1)
Publication Number | Publication Date |
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TW202320008A true TW202320008A (en) | 2023-05-16 |
Family
ID=87379050
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
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TW110141426A TW202320008A (en) | 2021-11-05 | 2021-11-05 | Interactive remote contracting and signature generating system |
Country Status (1)
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TW (1) | TW202320008A (en) |
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2021
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