TW202326571A - Online insurance approval system - Google Patents
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本發明係關於一種線上投保簽核系統,並且特別地,關於一種可確認保單的簽署人的身分以提高效率及安全性的線上投保簽核系統。 The present invention relates to an online insurance application sign-off system, and in particular, relates to an online insurance application sign-off system capable of confirming the identity of a signatory of an insurance policy to improve efficiency and security.
保險存在目的在於通過多數人的力量對少數遭受不幸的人給予物質補償,使其損失減小到最低程度。而保險產業的主要支出為人力成本。在習知的投保流程中,保險業者的保險業務員會親自拜訪客戶討論投保事宜並當面簽署紙本文件。而隨著科技以及通訊技術的發展,線上投保的方式逐漸興起,而政府及保險業者也配合放寬投保認定標準。然而,當客戶以線上投保的方式建立保單後,目前大多仍是以影印保單文件後簽署的簽署方式來確定投保,再將簽署後的保單文件寄送至保險業者,不僅降低了方便性及投保意願並且增加成本。進一步地,由於客戶以線上投保的方式進行投保,保險業務員未與客戶見面,故保險業者所收到的簽署後的保單文件有可能是頂替簽名、偽造文書等詐騙保險的情況。因此,如何確認保單文件是客戶親自簽署是尚待解決的問題。 The purpose of insurance is to provide material compensation to a few unfortunate people through the power of the majority, so as to minimize their losses. The main expenditure of the insurance industry is labor cost. In the known insurance application process, the insurance salesman of the insurance company will personally visit the customer to discuss the insurance application and sign the paper documents in person. With the development of technology and communication technology, the way of online insurance is gradually emerging, and the government and insurance companies are also cooperating to relax the insurance identification standards. However, when customers create an insurance policy online, most of them still confirm the insurance by photocopying the policy document and signing it, and then send the signed policy document to the insurance company, which not only reduces the convenience and insurance Willingness and increased costs. Furthermore, since the customer applies for the insurance online and the insurance salesperson does not meet the customer, the signed policy documents received by the insurance company may be fraudulent insurance such as substituting signatures or forging documents. Therefore, how to confirm that the policy document is personally signed by the customer is an unresolved problem.
再者,客戶的保單文件大多儲存於保險業者的保單資料庫中,但是,保單文件皆無保護機制。當保單資料庫被保險業者內部的有心人士或駭客入侵時,保單資料庫的保單資料有可能會被竄改的風險。因此, 目前的解決方式是將保單資料庫的保單資料上傳至區塊鏈,以防止保單資料被竄改。然而,保險業者的保單資料庫的資料量非常龐大,若將所有資料上傳至區塊鏈中,則需極高的交易費及手續費,進而提高成本。此外,區塊鏈具有開放透明的特徵,加密後的保單資料仍有被破解的風險,客戶的個人資料亦難以保護,進而降低安全性。 Furthermore, most of the customer's policy documents are stored in the insurance company's policy database, but there is no protection mechanism for the policy documents. When the policy database is invaded by malicious persons or hackers within the insurance company, the policy information in the policy database may be tampered with. therefore, The current solution is to upload the policy information of the policy database to the blockchain to prevent the policy information from being tampered with. However, the amount of data in the insurance company's policy database is very large. If all the data is uploaded to the blockchain, extremely high transaction and handling fees will be required, which will further increase the cost. In addition, the blockchain is open and transparent, and the encrypted policy information still has the risk of being cracked, and the personal information of customers is also difficult to protect, thereby reducing security.
有鑑於此,本發明提供了一種線上投保簽核系統,以解決先前技術的問題。 In view of this, the present invention provides an online insurance application sign-off system to solve the problems of the prior art.
在本發明的一具體實施例中,線上投保簽核系統包含保險資料庫、終端裝置以及比對單元。保險資料庫用以儲存投保保單的保單資料以及客戶的客戶資料,其中保單資料包含客戶資料。終端裝置包含影像擷取單元以及影像分析單元。影像擷取單元用以擷取一簽署者簽署投保保單的即時影像。影像分析單元連接影像擷取單元。影像分析單元用以一特徵模型分析即時影像以產生保單簽署影像。其中,保單簽署影像包含臉部特徵、手部特徵及簽名動作特徵之至少一者。比對單元連接保險資料庫及終端裝置。比對單元用以比對保單簽署影像以及客戶資料。當保單簽署影像符合客戶資料時,比對單元判斷簽署者為客戶。 In a specific embodiment of the present invention, the online insurance application sign-off system includes an insurance database, a terminal device, and a comparison unit. The insurance database is used to store the policy information of the insurance policy and the customer information of the customer, wherein the policy information includes the customer information. The terminal device includes an image capture unit and an image analysis unit. The image capturing unit is used for capturing a real-time image of a signatory signing an insurance policy. The image analysis unit is connected to the image capture unit. The image analysis unit is used to analyze the real-time image with a feature model to generate a policy signing image. Wherein, the policy signing image includes at least one of facial features, hand features, and signature action features. The comparison unit is connected to the insurance database and the terminal device. The comparison unit is used to compare the signed image of the policy and customer information. When the policy signing image matches the customer information, the comparison unit judges that the signer is the customer.
其中,本發明的線上投保簽核系統進一步包含輸入裝置連接保險資料庫以及比對單元。保單資料包含辨識碼並且客戶資料包含客戶簽名。輸入裝置用以顯示保單資料並接收簽署者的簽名內容。當保單簽署影像包含辨識碼並且簽名內容符合客戶簽名時,比對單元判斷簽署者為客戶。 Wherein, the online insurance application approval system of the present invention further includes an input device connected to an insurance database and a comparison unit. The policy data contains the identifier and the customer data contains the customer signature. The input device is used for displaying policy information and receiving signature content of the signer. When the policy signing image contains the identification code and the content of the signature matches the customer's signature, the comparison unit determines that the signer is the customer.
其中,終端裝置進一步包含警示器連接影像分析單元。當保 單簽署影像不包含臉部特徵、手部特徵、簽名動作特徵、辨識碼及簽名內容之至少一者時,影像分析單元產生警示訊號,並且警示器根據警示訊號產生警示訊息。 Wherein, the terminal device further includes an alarm connection image analysis unit. Dang Bao When the single-signature image does not contain at least one of facial features, hand features, signature action features, identification codes, and signature content, the image analysis unit generates a warning signal, and the warning device generates a warning message according to the warning signal.
其中,當比對單元判斷簽署者為客戶後,比對單元將保險簽署影像儲存至保險資料庫作為客戶的客戶資料。 Wherein, when the comparison unit judges that the signer is the customer, the comparison unit stores the insurance signature image in the insurance database as the customer information of the customer.
其中,本發明的線上投保簽核系統進一步包含計算單元以及上傳單元。計算單元連接保險資料庫並且用以雜湊函數計算保單資料以產生雜湊值。上傳單元連接計算單元並且用以將雜湊值上傳至區塊鏈網路。 Wherein, the online insurance application sign-off system of the present invention further includes a computing unit and an uploading unit. The calculation unit is connected to the insurance database and uses a hash function to calculate the policy information to generate a hash value. The uploading unit is connected to the computing unit and used for uploading the hash value to the blockchain network.
進一步地,本發明的線上投保簽核系統包含資料校驗單元連接計算單元。資料校驗單元計算保單資料以產生校驗雜湊值,並且比對校驗雜湊值及雜湊值的一致度。 Further, the online insurance application approval system of the present invention includes a data verification unit connected to a calculation unit. The data verification unit calculates the policy data to generate a verification hash value, and compares the verification hash value and the consistency of the hash value.
在一具體實施例中,本發明的線上投保簽核系統進一步包含資料壓縮分割單元以及上傳單元。資料壓縮分割單元連接保險資料庫。資料壓縮分割單元用以壓縮保單資料以產生保單壓縮檔,並且分割保單壓縮檔形成第一保單壓縮檔以及第二保單壓縮檔。資料壓縮分割單元將第一保單壓縮檔儲存至保險資料庫。上傳單元連接資料壓縮分割單元並且用以將第二保單壓縮檔上傳至區塊鏈網路。 In a specific embodiment, the online insurance application signing system of the present invention further includes a data compression and segmentation unit and an uploading unit. The data compression and division unit is connected to the insurance database. The data compression and splitting unit is used for compressing policy data to generate a policy compression file, and dividing the policy compression file to form a first policy compression file and a second policy compression file. The data compression and division unit stores the first insurance policy compression file to the insurance database. The uploading unit is connected to the data compression and division unit and is used for uploading the second insurance policy compression file to the block chain network.
進一步地,本發明的線上投保簽核系統包含資料校驗單元連接資料壓縮分割單元。資料校驗單元根據第一保單壓縮檔以及第二保單壓縮檔產生校驗保單資料,並且比對校驗保單資料及保單資料的一致度。 Furthermore, the online insurance application approval system of the present invention includes a data verification unit connected to a data compression and segmentation unit. The data verification unit generates and verifies policy data according to the first policy compressed file and the second policy compressed file, and compares and verifies the policy data and the consistency of the policy data.
其中,第一保單壓縮檔的檔案位元組大於第二保單壓縮檔的檔案位元組。 Wherein, the file bytes of the first policy compressed file are larger than the file bytes of the second policy compressed file.
其中,輸入裝置為電子手寫板。 Wherein, the input device is an electronic tablet.
綜上所述,本發明的線上投保簽核系統可透過錄製完整的簽署過程的影像來判斷是否為客戶本人親自完成簽名,以避免頂替簽名及偽造文書的情況,進而提高安全性並且降低客戶及保險業者之間的信任成本。並且,本發明的線上投保簽核系統可透過影像分析單元及警示器即時判斷簽署過程的影像是否正確且清楚的拍攝簽署者以及簽署文件,進而提高效率及實用性。再者,本發明的線上投保簽核系統也可透過輸入裝置達成無紙化的投保流程,進而提升方便性並且降低成本。此外,本發明的線上投保簽核系統也可透雜湊值、分割檔及區塊鏈網路的方式保護保險資料庫中的保單資料及客戶資料,進而提升安全性。 To sum up, the online insurance application signing system of the present invention can judge whether the signature is completed by the customer himself by recording the image of the complete signing process, so as to avoid the situation of substituting the signature and forging documents, thereby improving security and reducing the cost of customers and customers. The cost of trust among insurers. Moreover, the online insurance application signing system of the present invention can instantly determine whether the image of the signing process is correct and clear through the image analysis unit and the warning device to capture the signer and sign the document, thereby improving efficiency and practicability. Furthermore, the online insurance application approval system of the present invention can also achieve a paperless insurance application process through the input device, thereby improving convenience and reducing costs. In addition, the online insurance application signing system of the present invention can also protect the policy information and customer information in the insurance database through hash values, split files, and blockchain networks, thereby improving security.
1、2、3、4:線上投保簽核系統 1, 2, 3, 4: Online Insurance Sign-off System
11、21、31、41:保險資料庫 11, 21, 31, 41: Insurance database
12、22、32、42:終端裝置 12, 22, 32, 42: terminal device
121、221、321、421:影像擷取單元 121, 221, 321, 421: image capture unit
122、222、322、422:影像分析單元 122, 222, 322, 422: image analysis unit
123、223、323、423:警示器 123, 223, 323, 423: warning device
13、23、33、43:比對單元 13, 23, 33, 43: comparison units
24:輸入裝置 24: Input device
35:計算單元 35: Calculation unit
36、46:上傳單元 36, 46: upload unit
37、47:資料校驗單元 37, 47: data verification unit
45:資料壓縮分割單元 45: Data compression division unit
圖1係繪示根據本發明之一具體實施例之線上投保簽核系統的功能方塊圖。 FIG. 1 is a functional block diagram of an online insurance application approval system according to a specific embodiment of the present invention.
圖2係繪示根據本發明之一具體實施例之線上投保簽核系統的功能方塊圖。 FIG. 2 is a functional block diagram of an online insurance application approval system according to a specific embodiment of the present invention.
圖3係繪示根據本發明之一具體實施例之線上投保簽核系統的功能方塊圖。 FIG. 3 is a functional block diagram of an online insurance application approval system according to a specific embodiment of the present invention.
圖4係繪示根據本發明之另一具體實施例之線上投保簽核系統的功能方塊圖。 FIG. 4 is a functional block diagram of an online insurance application approval system according to another embodiment of the present invention.
為了讓本發明的優點,精神與特徵可以更容易且明確地了 解,後續將以具體實施例並參照所附圖式進行詳述與討論。值得注意的是,這些具體實施例僅為本發明代表性的具體實施例,其中所舉例的特定方法、裝置、條件、材質等並非用以限定本發明或對應的具體實施例。又,圖中各裝置僅係用於表達其相對位置且未按其實際比例繪述,合先敘明。 In order to allow the advantages of the present invention, the spirit and features can be more easily and clearly Solution, detailed description and discussion will be given later with specific embodiments and with reference to the accompanying drawings. It should be noted that these specific embodiments are only representative specific embodiments of the present invention, and the specific methods, devices, conditions, materials, etc. exemplified therein are not intended to limit the present invention or the corresponding specific embodiments. Moreover, each device in the figure is only used to express its relative position and is not drawn according to its actual scale, so it will be described first.
在本說明書的描述中,參考術語“一具體實施例”、“另一具體實施例”或“部分具體實施例”等的描述意指結合該實施例描述的具體特徵、結構、材料或者特點包含於本創作的至少一個實施例中。在本說明書中,對上述術語的示意性表述不一定指的是相同的實施例。而且,描述的具體特徵、結構、材料或者特點可以在任何的一個或多個實施例中以合適的方式結合。 In the description of this specification, descriptions with reference to the terms "a specific embodiment", "another specific embodiment" or "partial specific embodiments" mean that specific features, structures, materials or characteristics described in conjunction with the embodiment include In at least one embodiment of the present creation. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment. Furthermore, the particular features, structures, materials or characteristics described may be combined in any suitable manner in any one or more embodiments.
請參閱圖1。圖1係繪示根據本發明之一具體實施例之線上投保簽核系統1的功能方塊圖。如圖1所示,在本具體實施例中,線上投保簽核系統1包含保險資料庫11、終端裝置12以及比對單元13。保險資料庫11用以儲存投保保單的保單資料以及客戶的客戶資料,並且保單資料包含客戶資料。終端裝置12進一步包含影像擷取單元121以及影像分析單元122。影像擷取單元121用以擷取簽署者簽署投保保單時的即時影像。影像分析單元122連接影像擷取單元121,並且用以一特徵模型分析即時影像以產生保單簽署影像。其中,保單簽署影像包含臉部特徵、手部特徵及簽名動作特徵之至少一者。比對單元13連接保險資料庫11以及終端裝置12,並且用以比對保單簽署影像以及客戶資料。
See Figure 1. FIG. 1 is a functional block diagram of an online insurance
於實務中,保險資料庫11可為硬碟、磁帶機或光碟機等,並且可設置於保險業者的伺服器或中央管理電腦,但不限於此,保險資料庫
11也可建立於雲端。而保險資料庫11可儲存複數個投保保單的保單資料以及複數個客戶的客戶資料。投保保單的保單資料可包含保險種類、投保金額等相關保險資訊。進一步地,投保保單的保單資料也可包含辨識碼。於實務中,辨識碼可為流水號、二維條碼、QR碼等,並且每一個投保保單的辨識碼皆不相同。而投保保單的保單資料可包含客戶資料。客戶資料可包含客戶的身分證號碼、照片、出生日期、地址等及相關基本資料,但不限於此,客戶資料也可包含客戶簽名、身分證、健保卡、駕照等的照片及圖像。
In practice, the
於實務中,當客戶欲進行投保時,客戶可以線上投保的方式填寫保險資訊及客戶資料並上傳至保險業者,接著保險業者可根據保險資訊及客戶資料產生投保保單並儲存投保保單的保單資料於保險資料庫11中。而當保險業者產生客戶欲投保的投保保單後,保險業者可回傳投保保單回傳至客戶,以供客戶確認及簽署。
In practice, when a customer wants to apply for insurance, the customer can fill in the insurance information and customer information online and upload it to the insurance company. Then the insurance company can generate an insurance policy based on the insurance information and customer information and store the policy information of the insurance policy in the
終端裝置12可為客戶的智慧型手機、平板、電腦等。影像擷取單元121可為攝像機,並且影像分析單元122可為中央處理器(CPU)。於實務中,當客戶(即簽署者)簽署投保保單時,影像擷取單元121可錄製客戶簽署時連續不中斷的即時影像。進一步地,即時影像可依序拍攝客戶的臉部、持筆手部、投保保單的辨識碼及簽名內容,並且影像擷取單元121也可錄入客戶於簽署時手部的簽名動作。影像分析單元122可透過特徵模型分析即時影像以辨識出客戶的特徵。於實務中,特徵模型可包含臉部分析模型、手部分析模型、動作分析模型等。並且,特徵模型可透過監督式學習、非監督式學習、半監督式學習、強化式學習等機器學習或其他深度學習之網路
架構的方式分析大量的資料及數據而產生。舉例來說,影像分析單元122可透過臉部分析模型自即時影像中找出臉部的影像;影像分析單元122可透過動作分析模型自即時影像中手部的簽署動作的軌跡產生簽名動作的影像。因此,當影像擷取單元121錄製簽署投保保單的即時影像後,影像分析單元122可分析並產生即時影像中的簽署者的臉部特徵、手部特徵、簽名動作特徵等的保單簽署影像。此外,影像分析單元122也可分析即時影像中以辨識及產生保單資料的辨識碼以及簽名內容的保單簽署影像。
The
於實務中,終端裝置12可進一步安裝應用程式。應用程式可包含特徵模型並且可為保險業者所開發。當客戶接收到保險業者所傳送的投保保單,客戶可列印投保保單並且持筆紙本簽署。此時,客戶可透過終端裝置12執行應用程式,並且應用程式可控制影像擷取單元121以錄製客戶簽署投保保單時的即時影像,並且應用程式可控制影像分析單元122以特徵模型分析即時影像以產生保單簽署影像。進一步地,當影像分析單元122產生保單簽署影像後,應用程式可透過終端裝置12將保單簽署影像傳送至保險業者的伺服器或中央管理電腦。
In practice, the
而比對單元13可為比對晶片並且整合於保險業者的伺服器或中央管理電腦中。當保險業者接收到終端裝置12所傳送的保單簽署影像時,比對單元13可比對儲存於保險資料庫11中的客戶資料以及保單簽署影像中的臉部特徵、手部特徵、簽名動作特徵等是否相符。於實務中,比對單元13可比對保單簽署影像中的臉部特徵是否符合客戶資料的身分證的照片。當比對結果為是,則比對單元13判斷簽署投保保單的簽署者為客戶,也就是說,簽署投保保單的簽署者即為客戶本人。進一步地,由於即時影
像為連續不中斷的影像,因此,保單簽署影像中的手部特徵、簽名動作特徵等也可對應至客戶本人。此外,比對單元13也可比對保單資料的客戶簽名及辨識碼。於實務中,比對單元13可比對保單簽署影像中的簽名內容與儲存於保險資料庫11的客戶資料的客戶簽名是否相符。若比對結果為是,則比對單元13判斷簽署投保保單的簽署者為客戶;並且,比對單元13可比對保單簽署影像中的辨識碼與儲存於保險資料庫11的保單資料的辨識碼是否相符。若比對結果為是,則比對單元13判斷客戶所簽署的投保保單為客戶欲投保的保單。因此,本發明的線上投保簽核系統可透過錄製完整的簽署過程的影像來判斷是否為客戶本人親自完成簽名,以避免頂替簽名及偽造文書的情況,進而提高安全性並且降低客戶及保險業者之間的信任成本。
The
此外,在本具體實施例中,當比對單元13判斷簽署投保保單的簽署者為客戶後,比對單元13將保單簽署影像儲存至保險資料庫11以作為客戶的客戶資料。於實務中,當比對單元13判斷簽署投保保單的簽署者為客戶時,即表示影像擷取單元121所擷取的即時影像皆為客戶本人,也就是說,影像分析單元122所產生的保單簽署影像也係為客戶本人。因此,比對單元13可將保單簽署影像的客戶特徵儲存至客戶資料中。當客戶再投保其他保險時,比對單元13可將保單簽署影像中的客戶特徵作為判斷是否為客戶本人的依據,進而提高效率。
In addition, in this specific embodiment, when the
在本具體實施例中,終端裝置12進一步包含警示器123連接影像分析單元122。當保單簽署影像不包含臉部特徵、手部特徵、簽名動作特徵、辨識碼及簽名內容之至少一者時,影像分析單元122產生警示訊號,並且警示器根據警示訊號產生警示訊息。於實務中,警示器123的警示訊息
可以燈光、聲音、文字等。當影像分析單元122所分析出的保單簽署影像不包含臉部特徵、手部特徵或簽名動作特徵時,表示影像擷取單元121所擷取的即時影像不包含簽署者簽署投保保單時的影像,也就是說,比對單元13無法根據保單簽署影像判斷出簽署者是否為客戶本人。此時,警示器123可發出警示訊息,以提醒簽署者重新錄製及拍攝即時影像。相同地,當影像分析單元122所分析出的保單簽署影像不包含辨識碼或簽名內容時,表示影像擷取單元121所擷取的即時影像不包含簽署者簽署文件的影像,也就是說,比對單元13無法根據保單簽署影像判斷出簽署者所簽署的文件是否為客戶欲投保的保單。此時,警示器123也可發出警示訊息,以提醒簽署者重新錄製及拍攝即時影像。因此,本發明的線上投保簽核系統可透過影像分析單元及警示器即時判斷簽署過程的影像是否正確且清楚的拍攝簽署者以及簽署文件,進而提高效率及實用性。
In this specific embodiment, the
而客戶除了可紙本列印保險業者所傳送的投保保單並且持筆簽署投保保單之外,客戶簽署投保保單的方式也可為其他樣態。請參閱圖2。圖2係繪示根據本發明之一具體實施例之線上投保簽核系統2的功能方塊圖。如圖2所示,在本具體實施例中,線上投保簽核系統2進一步包含輸入裝置24連接保險資料庫21以及比對單元23。輸入裝置24用以顯示投保保單的保單資料並且接收簽署者的簽名內容。於實務中,輸入裝置24可為電子手寫板並且可包含一顯示器(圖未示)。當保險業者傳送投保保單至客戶時,投保保單及其保單資料可顯示於電子手寫板的顯示器中,以供客戶查看保單內容。而客戶可直接簽署於電子手寫板上,並且電子手寫板可將客戶的電子簽名內容傳送至保險業者的伺服器或中央管理電腦。進一步地,
終端裝置22的影像擷取單元221也可同時錄製客戶簽署時的部位和動作以及輸入裝置24所顯示的保單資料,以供影像分析單元222分析進而取得客戶特徵以及投保保單的辨識碼。因此,本發明的線上投保簽核系統也可透過輸入裝置達成無紙化的投保流程,進而提升方便性並且降低成本。請注意,圖2中的警示器223的功能與前述具體實施例所對應的元件的功能大致相同,於此不再贅述。
In addition to printing the insurance application form sent by the insurance company in paper and signing the insurance application form with a pen, the customer can also sign the insurance application form in other ways. See Figure 2. FIG. 2 is a functional block diagram of an online insurance application approval system 2 according to a specific embodiment of the present invention. As shown in FIG. 2 , in this specific embodiment, the online insurance application approval system 2 further includes an
請參閱圖3。圖3係繪示根據本發明之一具體實施例之線上投保簽核系統3的功能方塊圖。如圖3所示,在本具體實施例中,線上投保簽核系統3進一步包含計算單元35以及上傳單元36。計算單元35連接保險資料庫31並且上傳單元36連接計算單元35。計算單元35用以一雜湊函數計算保單資料以產生雜湊值。上傳單元36用以將雜湊值上傳至區塊鏈網路。於實務中,計算單元35可為計算晶片,上傳單元36可為資料傳輸晶片或程式,並且計算單元35及上傳單元36可整合於保險業者的伺服器或中央管理電腦中。當保險業者根據客戶填寫的保險資訊及客戶資料產生投保保單並儲存投保保單的保單資料於保險資料庫31中後,計算單元35可以雜湊函數計算保單資料並產生對應投保保單的雜湊值,並且上傳單元36將對應投保保單的雜湊值上傳至區塊鏈網路。由於計算單元35所計算出的雜湊值為字串並且區塊鏈網路具有不可竄改的特性,因此,客戶投保的保單資料不會輕易的被竄改,並且保單資料中的客戶資料也不會輕易的被公開及取得。請注意,圖3中的終端裝置32、影像擷取單元321、影像分析單元322、警示器323及比對單元33的功能與前述具體實施例所對應的元件的功能大致相同,於此不再贅述。
See Figure 3. FIG. 3 is a functional block diagram of an online insurance application approval system 3 according to a specific embodiment of the present invention. As shown in FIG. 3 , in this specific embodiment, the online insurance application approval system 3 further includes a
進一步地,在本具體實施例中,線上投保簽核系統3包含資料校驗單元37連接計算單元35。資料校驗單元37用以計算保單資料以產生校驗雜湊值,並且比對校驗雜湊值及該雜湊值的一致度。於實務中,資料校驗單元37也可為計算晶片,並且可以雜湊函數計算保單資料並產生對應投保保單的校驗雜湊值。保險業者可定時定期透過資料校驗單元37計算儲存於保險資料庫31中的保單資料以產生校驗雜湊值,並且可校驗及比對計算單元35所產生的雜湊值以及上傳單元36所上傳的雜湊值是否一致,以查看並確認保單資料是否被竄改。因此,本發明的線上投保簽核系統也可透雜湊值及區塊鏈網路的方式保護保險資料庫中的保單資料及保單資料中的客戶資料,以防止客戶資料及保單資料公開洩密的情形,進而提升安全性。
Further, in this specific embodiment, the online insurance application approval system 3 includes a
值得注意的是,計算單元35除了可計算單筆保單資料以產生對應保單資料的雜湊值之外,也可計算多筆資料。於實務中,計算單元35可計算同一客戶的所有投保保單的保單資料以產生對應該客戶的所有保單的雜湊值。此外,計算單元35也可計算相同保險種類的所有投保保單的保單資料以產生對應該保險種類的所有保單的雜湊值。
It should be noted that, in addition to calculating a single policy data to generate a hash value corresponding to the policy data, the
而保護保險資料庫中的保單資料及客戶資料的方式也可為其他樣態。請參閱圖4。圖係繪示根據本發明之另一具體實施例之線上投保簽核系統4的功能方塊圖。如圖4所示,在本具體實施例中,線上投保簽核系統4進一步包含資料壓縮分割單元45以及上傳單元46。資料壓縮分割單元45連接保險資料庫41並且上傳單元46連接資料壓縮分割單元45。資料壓縮分割單元45用以壓縮保單資料以產生保單壓縮檔,並且分割保單壓縮檔以形成第一保單壓縮檔以及第二保單壓縮檔。進一步地,資料壓縮分割單元
45將第一保單壓縮檔儲存至保險資料庫41,並且上傳單元46將第二保單壓縮檔上傳至區塊鏈網路。
The way to protect the policy information and customer information in the insurance database can also be in other ways. See Figure 4. The figure is a functional block diagram of an online insurance
於實務中,資料壓縮分割單元45可為資料壓縮及分割晶片,上傳單元46可為資料傳輸晶片或程式,並且資料壓縮分割單元45及上傳單元46可整合於保險業者的伺服器或中央管理電腦中。資料壓縮分割單元45可將保險資料庫11中同一客戶或相同保險種類的複數筆投保保單的保單資料進行壓縮並分割成第一保單壓縮檔以及第二保單壓縮檔,並且上傳單元46將第二保單壓縮檔上傳至區塊鏈網路。由於區塊鏈網路具有不可竄改的特性,因此,第二保單壓縮檔不會輕易的被竄改。當儲存於保險資料庫41的第一保單壓縮檔被竄改時,第二保單壓縮檔以及被竄改後第一保單壓縮檔無法結合還原成保單壓縮檔,進而無法取得保單資料以及客戶資料。進一步地,在本具體實施例中,第一保單壓縮檔的檔案位元組大於第二保單壓縮檔的檔案位元組。於實務中,由於保險業者的保險資料庫中的資料量龐大,因此,將上傳單元46將檔案位元組較小的第二保單壓縮檔上傳至區塊鏈網路,以降低上傳區塊鏈網路的費用,進而降低成本。請注意,圖4中的終端裝置42、影像擷取單元421、影像分析單元422、警示器423及比對單元43的功能與前述具體實施例所對應的元件的功能大致相同,於此不再贅述。
In practice, the data compression and
此外,在本具體實施例中,線上投保簽核系統4進一步包含資料校驗單元47連接資料壓縮分割單元45。資料校驗單元47用以根據第一保單壓縮檔及第二保單壓縮檔產生校驗保單資料,並且比對校驗保單資料及保單資料的一致度。於實務中,資料校驗單元47可為計算晶片,並且可
將第一保單壓縮檔及第二保單壓縮檔還原成校驗保單資料。保險業者可定時定期透過資料校驗單元47將第一保單壓縮檔及第二保單壓縮檔還原成校驗保單資料,並且比對校驗保單資料與儲存於保險資料庫41的保單資料是否一致。
In addition, in this specific embodiment, the online insurance application sign-off
綜上所述,本發明的線上投保簽核系統可透過錄製完整的簽署過程的影像來判斷是否為客戶本人親自完成簽名,以避免頂替簽名及偽造文書的情況,進而提高安全性並且降低客戶及保險業者之間的信任成本。並且,本發明的線上投保簽核系統可透過影像分析單元及警示器即時判斷簽署過程的影像是否正確且清楚的拍攝簽署者以及簽署文件,進而提高效率及實用性。再者,本發明的線上投保簽核系統也可透過輸入裝置達成無紙化的投保流程,進而提升方便性並且降低成本。此外,本發明的線上投保簽核系統也可透雜湊值、分割檔及區塊鏈網路的方式保護保險資料庫中的保單資料及客戶資料,進而提升安全性。 To sum up, the online insurance application signing system of the present invention can judge whether the signature is completed by the customer himself by recording the image of the complete signing process, so as to avoid the situation of substituting the signature and forging documents, thereby improving security and reducing the cost of customers and customers. The cost of trust among insurers. Moreover, the online insurance application signing system of the present invention can instantly determine whether the image of the signing process is correct and clear through the image analysis unit and the warning device to capture the signer and sign the document, thereby improving efficiency and practicability. Furthermore, the online insurance application approval system of the present invention can also achieve a paperless insurance application process through the input device, thereby improving convenience and reducing costs. In addition, the online insurance application signing system of the present invention can also protect the policy information and customer information in the insurance database through hash values, split files, and blockchain networks, thereby improving security.
藉由以上較佳具體實施例之詳述,係希望能更加清楚描述本發明之特徵與精神,而並非以上述所揭露的較佳具體實施例來對本發明之範疇加以限制。相反地,其目的是希望能涵蓋各種改變及具相等性的安排於本發明所欲申請之專利範圍的範疇內。因此,本發明所申請之專利範圍的範疇應該根據上述的說明作最寬廣的解釋,以致使其涵蓋所有可能的改變以及具相等性的安排。 Through the above detailed description of the preferred embodiments, it is hoped that the characteristics and spirit of the present invention can be described more clearly, and the scope of the present invention is not limited by the preferred embodiments disclosed above. On the contrary, the intention is to cover various changes and equivalent arrangements within the scope of the claimed patent scope of the present invention. Therefore, the scope of the scope of the patent application for the present invention should be interpreted in the broadest way based on the above description, so as to cover all possible changes and equivalent arrangements.
1:線上投保簽核系統 1: Online Insurance Sign-off System
11:保險資料庫 11: Insurance database
12:終端裝置 12: Terminal device
121:影像擷取單元 121: image capture unit
122:影像分析單元 122: Image analysis unit
123:警示器 123: warning device
13:比對單元 13: Comparison unit
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US10574453B2 (en) * | 2018-01-10 | 2020-02-25 | Ranjit Notani | System and computer program product for certified confidential data collaboration using blockchains |
CN109379397B (en) * | 2018-08-31 | 2019-12-06 | 阿里巴巴集团控股有限公司 | Transaction consensus processing method and device based on block chain and electronic equipment |
TWM576692U (en) * | 2018-09-28 | 2019-04-11 | 南山人壽保險股份有限公司 | System for identity verification and insurance transaction confirmation based on blockchain |
TWM574719U (en) * | 2018-10-16 | 2019-02-21 | 泰安產物保險股份有限公司 | User identity confirmation system |
TWM603588U (en) * | 2019-11-06 | 2020-11-01 | 讀懂科技股份有限公司 | Insurance transaction data processing device with multiple identity authentication and transaction confirmation |
TWM626928U (en) * | 2021-12-21 | 2022-05-11 | 中國信託產物保險股份有限公司 | Online insurance approval system |
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2021
- 2021-12-21 TW TW110148003A patent/TWI805142B/en active
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