TWI676959B - Insurance contract online signing system and method thereof for confirmation - Google Patents

Abstract

An insurance contract online signature confirmation method includes: generating a completed insurance claim from an insurance company device or transmitting it to the insurance company device via a insurance company device; choosing to encrypt an insurance company device or insurance company device The certificate of protection is transmitted to a transaction authentication system; the encrypted certificate of protection is provided to a signatory by the transaction authentication system; the encrypted certificate of protection is signed by the signer with a credential; the encryption is used by the transaction authentication system Converting the required insurance certificate to generate a signed insurance certificate; and transmitting the signed insurance certificate from the transaction authentication system to the insurance company device.

Description

Insurance contract online signature confirmation system and method

The invention relates to an online signing confirmation system and method for an insurance contract; in particular, to an online signing confirmation system and method for an insurance contract that conducts transactions in a key encryption mode.

Conventional insurance contract transaction methods, for example, the invention patent of "Internet Insurance Trading Method [1]" of the Republic of China Patent Bulletin No. TW-505875, which discloses a network insurance trading method. The online insurance transaction method is a trial calculation method for purchasing insurance through a website, and an online system is used to present the characteristics of insurance products of various insurance companies, so that customers can make the most comprehensive insurance planning.

According to the above, the above-mentioned TW-505875 transaction method of the online insurance includes: 1. The trial calculation start step, a customer enters the data related to the premium calculation according to the different insurance types selected; 2. completes the trial calculation and provides insurance Commodity step, after the network system analyzes an input data, search a database, and present a search result in the form of a comparison table for the customer to choose insurance products; 3. Fill out the insurance content steps, the network system according to The customer's basic information and payment method entered by the customer will automatically fill in the required insurance letter; 4. Submit the required insurance letter and signature steps, and the network system will automatically generate the required insurance letter for the customer to print and sign. Then fill in the information manually, the network system automatically sends a thank you letter by an email.

Another customary insurance contract transaction method, for example: Republic of China Patent Bulletin No. TW-525073, the invention patent of "Transaction Method of Internet Insurance [III]", discloses a transaction method of Internet 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, while providing customers with a full range of personal financial services.

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

Another customary insurance contract transaction method, for example: the invention patent of "Method of setting insurance contract through mobile device, changing insurance data of insurance holders, conducting insurance claims and processing insurance business" of the Republic of China Patent Bulletin No. TW-I460674, which A method for processing insurance business through a mobile device is disclosed. The method for processing insurance business through a mobile device includes a method for setting an insurance contract through a mobile device.

According to the above, the method for processing insurance business via mobile device of the aforementioned TW-I460674 includes: a. Providing an insurance business document on a mobile device; b. Receiving a policyholder information or providing a policyholder information from the mobile device To the mobile device; c. Receiving one of the insured's electronic signature and confirming the correctness of the information in the insurance business document through the mobile device; and d. Sending a confirmation to the mobile device or one of the insured's designated mobile devices to confirm the Information on the effect of insurance business documents.

Another customary insurance contract transaction method, for example: a new patent of the "Replacement Insurance Backfilling Verification System" patent issued by the Republic of China Patent Bulletin No. TW-M548309, which discloses a backfilling verification system. The backfill The type verification system is used to deal with one of the situations of insurance application, policy change, renewal, and settlement in the insurance business.

According to the above, the aforementioned backfill verification system No. TW-M548309 includes a transmission interface and a processor. The processor receives the insurance request and insurance information of one of the corresponding insurance, policy changes, renewal and claims through the transmission interface; and checks whether the insurance request and insurance information received by the transmission interface are established according to the insurance request to generate And send the corresponding insurance intention notification information and backfill verification screen of one of the corresponding insurance, policy changes, renewal and claims through the transmission interface; receive the input entered by following the instructions of the backfill verification screen within a predetermined time through the transmission interface Backfill verification information to determine whether one of the insurance application, policy changes, renewal and claims is agreed.

However, the aforementioned Patent Announcement No. TW-505875 of the online insurance transaction method, No. TW-525073 of the online insurance transaction method, No. TW-I460674 of the method for handling insurance business through a mobile device, and No. TW-M548309 backfilling Obviously, the authentication system is subject to too many operational restrictions, so there is a potential need for further improvements (such as encryption requirements, authentication requirements, or signing confirmation requirements). The aforementioned patents are only a reference for the technical background of the present invention and describe the current state of technological development, and they are not intended to limit the scope of the present invention.

In view of this, in order to meet the above technical problems and needs, the present invention provides an online contract confirmation system and method for insurance contracts, which will generate a completed insurance claim form from an insurance company device or via a insurance company device [to Wired or wireless network] to the insurance company's device, and choose to transmit an encrypted certificate of protection [with wired or wireless network] to a transaction authentication system from the insurance company's device or the insurance company's device, and the transaction The authentication system provides the encrypted certificate to a signatory, and then the signatory signs the encrypted certificate with a voucher data (natural person certificate data or legal person certificate data), and a signed certificate is generated by the transaction authentication system. Guarantee And transfer the signed certificate to the insurance company's device (using a wired or wireless network) to improve the technical shortcomings or problems of the conventional online 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, which will generate a completed insurance claim form from an insurance company device or via a insurance company device (using a wired or wireless network). ] To the insurance company's device, and choose to transmit an encrypted certificate (by wired or wireless network) from the insurance company's device or the insurance company's device to a transaction authentication system, and the transaction authentication system will encrypt the encryption The letter of guarantee is provided to a signatory, and then the signatory signs the encrypted letter of guarantee with a voucher data (natural person certificate information or legal person certificate data), and a signed certificate of guarantee is generated by the transaction authentication system, and the The signed insurance certificate is transmitted from the transaction authentication system (by wired or wireless network) to the insurance company's device to achieve the purpose of signing and confirming the insurance contract online.

In order to achieve the above-mentioned objective, the method for confirming the online signing of an insurance contract in a preferred embodiment of the present invention includes: generating a filled-in certificate to be generated by an insurance company device or transmitting it to the insurance via a wired or wireless network through a company device Company device; choose to transmit an encrypted certificate by the insurance company device or the insurance company device via a wired or wireless network to a transaction authentication system; provide the encrypted certificate by the transaction authentication system to a signatory; The signatory signs the encrypted claim with a voucher [natural person certificate or legal person certificate data]; uses the transaction authentication system to convert the encrypted claim to a signed claim; and the signed claim The warranty is wired by the transaction authentication system Or wireless network to the insurance company device.

The preferred embodiment of the present invention chooses to use the insurance company device or the insurance company device to encrypt the encrypted certificate with a first key to generate a first key to encrypt the certificate or to use the insurance company device or The company's device calculates a first hash value to be incorporated into the encrypted certificate.

The preferred embodiment of the present invention uses a pre-registration and authentication data to sign the encryption certificate.

A preferred embodiment of the present invention utilizes the transaction authentication system to hide the person's credential data in the signed letter of indemnity using an information hiding algorithm.

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

In order to achieve the above objective, the insurance contract online signature confirmation system of the preferred embodiment of the present invention includes: at least one insurance company device for providing a number of products to be guaranteed; at least one insurance 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 also connected to the insurance company device; The device generates or transmits to the insurance company device via the insurance company device, and chooses to transmit an encrypted certificate to the transaction authentication system by the insurance company device or the insurance company device, and the transaction authentication system sends the encrypted certificate to the transaction authentication system. The cryptographic protection letter is provided to a signatory, and then the signatory signs the cryptographic protection letter with a voucher data (natural person certificate data or legal person certificate data), and a signed certification letter is generated by the transaction authentication system, The signed letter of indemnity The transaction authentication system is transmitted to the insurance company device.

In a preferred embodiment of the present invention, the insurance company device or the insurance company device is used to encrypt the encrypted certificate with a first key to generate a first key encryption certificate to be secured, or the insurance company device or the certificate is selected. The company device calculates a first hash value to be incorporated into the encrypted certificate.

The encryption certificate of the preferred embodiment of the present invention is signed with a pre-registered and authenticated data.

The transaction authentication system of the preferred embodiment of the present invention hides the voucher data in the signed certificate by an information hiding algorithm.

The transaction authentication system of the preferred embodiment of the present invention encrypts the signed insurance letter with a second key to generate a second key to encrypt the signed insurance letter for transmission to the insurance company device, or the transaction The authentication system calculates a second hash value for incorporation into the signed warranty.

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

1‧‧‧Insurance company installation

2‧‧‧Warranty company installation

20‧‧‧ Mobile communication device

21‧‧‧Credentials

3‧‧‧Transaction Authentication System

5‧‧‧ signatory

S1‧‧‧First Step

S2‧‧‧Second step

S3‧‧‧third step

S4‧‧‧Fourth step

S5‧‧‧Fifth step

S6‧‧‧Step Six

FIG. 1: A block diagram of an online insurance contract confirmation system for a preferred embodiment of the present invention.

FIG. 2 is a schematic flowchart of a method for confirming an online signing of an insurance contract according to a preferred embodiment of the present invention.

FIG. 3 is a schematic diagram of an online signing and confirming system for an insurance contract in the first preferred embodiment of the present invention.

FIG. 4 is a schematic diagram of the second embodiment of the insurance contract online signature confirmation system using another online signature confirmation system.

In order to fully understand the present invention, the preferred embodiments will be described in detail below with reference to the accompanying drawings, which are not intended to limit the present invention.

The insurance contract online signature confirmation system and method of the preferred embodiment of the present invention are applicable to various insurance transaction systems, various policy management systems, or various financial management systems, such as personal financial management systems, investment information systems, or accounting systems, but they are not intended for Limit the scope of application of the invention. The insurance contract online signing confirmation system and method thereof in a preferred embodiment of the present invention utilize an electronic architecture to improve technical problems of lack of specific authentication and security in conventional online insurance transaction processing.

A preferred embodiment of the insurance contract online signature confirmation system and method of the present invention are implemented in a computer-executable process step, which can be executed on various computer equipment, such as a desk Desktop computer, notebook or laptop 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 present invention.

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

FIG. 1 illustrates a block diagram of an insurance contract online signature confirmation system according to a preferred embodiment of the present invention. Please refer to FIG. 1, the insurance contract online signature confirmation system in the preferred embodiment of the present invention includes several insurance company devices 1, several insurance company devices 2 and at least one transaction authentication system 3, and the transaction authentication system 3 Appropriately configured in the insurance company's device 1 and insurance Between the company equipment 2 so as to be connected to the transaction authentication system 3 by the insurance company equipment 1 or the insurance company equipment 2.

Please refer to FIG. 1 again. For example, the insurance company device 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. Type computer or other computer equipment to form at least one or several insurance company backends. In addition, the insurance company device 1 is used to provide a plurality of products to be secured in an automatic or semi-automatic manner, that is, electronic files of the plurality of products to be secured.

Please refer to FIG. 1 again. For example, the insurance company device 2 in the preferred embodiment of the present invention may also be selected from a servo computer, a workstation computer, a desktop computer, a portable computer, A laptop computer or other computer equipment to form at least one or more warranty companies. In addition, the insurance company device 2 is connected to the insurance company device 1 in a wired or wireless manner in order to download the product to be guaranteed, advertising and selling its related products.

Please refer to FIG. 1 again. For example, the insurance company device 2 also has an electronic signature unit (not shown) or a unit with a similar signing function (for example, a device with a touch function) in order to The use of the electronic signing unit allows remote signing of the certificated product and related materials.

Please refer 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 in a wired or wireless manner, and the transaction authentication system 3 is also wired or wireless. Connected to the insurance company device 2 so as to use the transaction authentication system 3 to complete an insurance commodity transaction between the insurance company device 1 and the insurance company device 2, and the transaction authentication system 3 is provided by a third party.

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

Please refer to FIG. 1 again. For example, the transaction authentication system 3 may be selected as a physical transaction authentication system, a virtual transaction authentication system, or a self-built transaction authentication system. Or other transaction authentication systems.

Please refer to FIG. 1 again. For example, the key encryption mechanism of the transaction authentication system 3 can choose to use a public key encryption or a private key encryption, and a public key The sender can choose to disclose to the insurance company's device 1, choose to disclose to several insurance company's devices 2 or choose to disclose both, and a private key can optionally be reserved only in advance by the insurance company Device 1 or this warranty company device 2.

Please refer to FIG. 1 again. For example, in the preferred embodiment of the present invention, the transaction authentication system 3 is selected and incorporated in the insurance company device 1 or the insurance company device 2 to form a built-in [built- in] transaction authentication system or a similar architecture system.

FIG. 2 illustrates a schematic flowchart of a method for confirming an online insurance contract signing in the preferred embodiment of the present invention, which corresponds to the system for confirming an online insurance contract signing in FIG. 1. Please refer to the figure, the method for confirming the online signing of the insurance contract in the preferred embodiment of the present invention includes 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 present invention.

Please refer to FIG. 1 and FIG. 2. The method for confirming the online signing of an insurance contract according to the preferred embodiment of the present invention includes step S1. First, for example, a completed insurance letter (ie, the electronic file of the insurance letter) The insurance company device 1 is generated [in an automatic or semi-automatic manner] or transmitted to the insurance company device 1 via the insurance company device 2 via a wired or wireless network.

Please refer to Figures 1 and 2 again. For example, the The required insurance policy is selected from a life insurance policy insurance policy, a savings insurance policy insurance policy, a health insurance policy insurance policy, an accident insurance policy insurance policy, a travel safety insurance policy insurance policy, and a property insurance policy insurance policy. The insurance policy, the insurance policy for a group insurance, the insurance policy for a fire insurance policy, the insurance policy for a one-day disaster insurance policy, or the insurance policy for various other policies.

Please refer to FIG. 1 and FIG. 2 again. The method for confirming the online signing of an insurance contract in the preferred embodiment of the present invention includes step S2. Next, for example, an insurance company device 1 or a insurance company device 2 is selected to encrypt an The certificate to be secured (ie the encrypted electronic file to be secured) is transmitted to the transaction authentication system 3 via a wired or wireless network.

Please refer to FIG. 1 and FIG. 2 again. For example, in the preferred embodiment of the present invention, the insurance company device 1 or the insurance company device 2 can be used to encrypt the encryption certificate with a first key to generate A first key is used to encrypt the certificate to be secured; or a first hash value is calculated by using the insurance company device 1 or the insurance company device 2 to be incorporated into the encrypted certificate.

Please refer to FIG. 1 and FIG. 2 again. The method for confirming the online signature of the insurance contract according to the preferred embodiment of the present invention includes step S3. People for electronic signing. Alternatively, in another preferred embodiment of the present invention, the encrypted insurance policy may be provided to the signatory 5 by the insurance company device 1 or the insurance company device 2 via a wired or wireless network.

Please refer to FIG. 1 and FIG. 2 again. The method for confirming the online signing of the insurance contract in the preferred embodiment of the present invention includes step S4. Then, for example, the signatory 5 uses a voucher data (optional voucher data, Legal person certificate data or other certificate data] 21 Sign the encryption certificate. According to another preferred embodiment of the present invention, a pre-registration and authentication data may be used to sign the encryption certificate.

Please refer to FIG. 1 and FIG. 2 again. The method for confirming the online signature of an insurance contract according to the preferred embodiment of the present invention includes step S5. In other words, after the necessary signature confirmation is completed by using a signature confirmation procedure, the transaction certification system 3 is used to convert the encrypted security certificate into a signed security certificate and other related documents.

Please refer to FIG. 1 and FIG. 2 again. For example, in another preferred embodiment of the present invention, the transaction authentication system 3 may choose to use the information authentication algorithm or other similar function algorithm [information hiding]. Calculus module] reached hidden in the signed letter of indemnity. Another preferred embodiment of the present invention may choose to make the authentication information of the transaction authentication system 3 into an invisible digital watermark, and hide it in the signed warranty.

Please refer to FIG. 1 and FIG. 2 again. For example, another preferred embodiment of the present invention may choose to use the transaction authentication system 3 to encrypt the signed certificate with a second key to generate a second The key encryption encrypts the signed attestation, or optionally uses the transaction authentication system 3 to calculate a second hash value to be incorporated into the signed attestation.

Please refer to FIG. 1 and FIG. 2 again. The method for confirming the online signature of the insurance contract according to the preferred embodiment of the present invention includes step S6. The wireless network is transmitted to the insurance company device 1 to complete the online signing confirmation of the signed insurance policy.

FIG. 3 illustrates a schematic diagram of an online signature confirmation system for an insurance contract in the first preferred embodiment of the present invention. Please refer to FIG. 3, the transaction authentication system 3 of the first preferred embodiment of the present invention directly provides the encrypted certificate to the signatory 5 for electronic signature operation, and the signatory 5 chooses to Various signing methods (such as electronic signing, image recognition signing, or other signing methods) sign to confirm the encryption certificate.

FIG. 4 illustrates a schematic diagram of an online contract confirmation system of the second preferred embodiment of the present invention using another online signature confirmation operation, which corresponds to the online signature confirmation operation of FIG. 3. Please refer to Figure 4 As shown, compared to the first embodiment, the second preferred embodiment of the present invention chooses to provide the encrypted certificate of insurance to the signatory 5 by the insurance company device 2 using a company employee [for example: business Member] provides the encrypted certificate to the signatory 5 through a mobile communication device 20, and the transaction authentication system 3 is provided by a third party.

Please refer to FIG. 4 again. For example, the mobile communication device 20 may be selected from a portable computer, a notebook computer, a tablet computer, a smartphone, a smartphone, and a personal assistant device. Or other mobile communication equipment. In another preferred embodiment of the present invention, a computer device may be selected instead of the mobile communication device 20. For example, the computer device may be selected from a servo computer, a desktop computer, a Macintosh computer, or other personal computer equipment.

The foregoing preferred embodiment merely exemplifies the present invention and its technical features, and the technology of this embodiment can still be appropriately implemented with various substantially equivalent modifications and / or replacements; therefore, the scope of rights of the present invention shall be subject to the attached patent application The scope defined by the scope shall prevail. The copyright in this case restricts the use to the patent application of the Republic of China.

Claims (10)

An insurance contract online signature confirmation method, which comprises: generating a completed insurance claim from an insurance company device or transmitting it to the insurance company device via a wired or wireless network through a insurance company device; and selecting the insurance company device Or the insurance company transmits an encrypted certificate to a transaction authentication system via a wired or wireless network, and the transaction authentication system is provided by a third party; the transaction authentication system provides the encrypted certificate to a transaction authentication system. Signatory; the signatory signs the encrypted certificate with a certificate data, which is a natural person certificate or a legal person certificate data; the transaction certification system is used to convert the encrypted certificate to a signed certificate And the insurance certificate is transmitted from the transaction authentication system to the insurance company device via the wired or wireless network. The method for confirming the online signature of an insurance contract according to item 1 of the scope of the patent application, wherein the insurance company device is used to encrypt the encryption certificate with a first key to generate a first key encryption certificate, or Choose to use the insurance company device or the insurance company device to calculate and generate a first hash value to incorporate into the encrypted certificate. According to the method for confirming an online signature of an insurance contract as described in item 1 of the scope of the patent application, a pre-registration and certification data is used to sign the encrypted insurance letter. According to the method for confirming an online signature of an insurance contract as described in item 1 of the scope of the patent application, the transaction authentication system is used to hide the voucher data with an information hiding algorithm in the signed letter of indemnity. The method for confirming an online signature of an insurance contract according to item 1 of the scope of the patent application, wherein the transaction authentication system is used to encrypt the signed certificate with a second key to generate a second key to encrypt the signed certificate Or the transaction authentication system calculates a second hash value to be incorporated into the signed warranty. An insurance contract online signing confirmation system includes: at least one insurance company device for providing several products to be guaranteed; and at least one insurance company device connected to the insurance company's device for downloading the required insurance product ; And at least one transaction authentication system, which is connected to the insurance company device, and the transaction authentication system is also connected to the insurance company device, and the transaction authentication system is provided by a third party; The insurance company device generates or transmits to the insurance company device via the insurance company device, and chooses to transmit an encrypted certificate to the transaction authentication system by the insurance company device or the insurance company device, and the transaction authentication system Provide the encrypted claim to a signatory, and then the signer signs the encrypted claim with a certificate, and the certificate is a natural person certificate or a legal person certificate and is generated by the transaction authentication system. A signed insurance demand is signed, and the signed insurance demand is transmitted from the transaction authentication system to the insurance company device. According to the insurance contract online signature confirmation system described in item 6 of the scope of the patent application, the insurance company device or the insurance company device is selected to encrypt the encryption certificate with a first key to generate a first key encryption To secure the certificate, or choose to use the insurance company's device or the insurance company's device to generate a first hash value to incorporate into the encrypted certificate. The online contract confirmation system for insurance contract according to item 6 of the scope of patent application, wherein the transaction authentication system is a physical transaction authentication system, a virtual transaction authentication system or a self-built transaction authentication system. According to the insurance contract online signature confirmation system described in item 6 of the scope of the patent application, the transaction authentication system is incorporated into the insurance company device or the insurance company device to form a built-in transaction authentication system. According to the insurance contract online signature confirmation system described in item 6 of the scope of the patent application, wherein the transaction authentication system encrypts the signed certificate with a second key to generate a second key to encrypt the signed certificate, For transmission to the insurance company device, or the transaction authentication system calculates a second hash value for incorporation into the signed insurance demand.