TWI684946B - Backfill verification system and backfill verification method replacing insurance pro-signature, computer readable recording media and computer program products - Google Patents

Abstract

A backfill verification system, in one of the situations of insurance, policy change, renewal and settlement of claims in the insurance business, the backfill verification system includes: a transmission interface; and a processor to receive the corresponding insurance and policy through the transmission interface One of the insurance request and insurance information of transaction, renewal and settlement of claims, according to the insurance request, check whether the insurance request and insurance information received by the transmission interface are established to generate and send out the corresponding insurance, policy change, and renewal through the transmission interface And one of the insurance willingness notification information and backfill verification screen of the claim, receiving the backfill verification data input according to the instructions of the backfill verification screen within a predetermined time through the transmission interface to judge the insurance, policy change, renewal and Whether one of the claims is agreed.

Description

Replacement of insurance pro-signature backfill verification system and backfill verification method, computer readable recording media and computer program products

The invention relates to the field of insurance, in particular to a backfill verification system and a backfill verification method, a computer-readable recording medium and a computer program product that replace the insurance pro-signature.

In recent years, although insurance-related industries have also begun to join the ranks of mobile services for quotation of insurance contracts, changes in insurance information and notification of claims applications, physical paper materials are still required.

However, the shortcomings of the current insurance include: (1) At present, the insurance insurance policy, the application for correction and the claim application are all actual paper signatures or electronic signatures, but the insurance company cannot verify whether the insured person signed or signed on behalf of the insurance company. Signed, usually in the case of insurance disputes, only when the insured complains or filed in the court (each proof) (2) The insurance contract is different from the general contract, because the subject matter transfers, adds or surrenders the insurance content or changes the beneficiary Waiting for corrections, if the policy meets the intention of unscrupulous corrections by intentional persons, as long as the seal can be changed, the policyholder is unable to control the latest information of the policy content effective during the insurance period because the policy is larger than the policy; Control the processing flow; (4) At present, the physical insurance policy is usually sent by regular mail or limited time delivery, and it takes 5-7 days, and there is a risk of postman delivery error and personal risk of leakage; (5) Although the current electronic policy replaces The physical insurance policy has the environmental protection function and timeliness, but the insured still cannot keep abreast of the latest information of the policy content effective during the insurance period.

In view of the above problems, the object of the present invention is to provide a backfill verification system and a backfill verification method that replaces insurance pro-signatures, computer-readable recording media, and computer program products. Its advantage is that it does not require a pro-signor to use a mobile device. With the Internet technology, it can quickly and effectively prove the insurer's willingness to insure insurance, reduce the problem of pro-signature disputes that are difficult to prove, and the insurer can control the latest information of the policy content in effect during the insurance period, correct or process claims processing, and both It is environmentally friendly, saves mailing time and paper, and there is no risk of wrong delivery by postman and risk of personal leakage.

The first aspect of the present invention is to provide a backfill verification system. In one of the situations of insurance, policy change, renewal and settlement of claims in the insurance business, the backfill verification system includes: a transmission interface, receiving or sending Data; and a processor, through the transmission interface to receive one of the corresponding insurance request, insurance policy change, renewal and claims one of the insurance request and an insurance data, according to the insurance request to verify the insurance request received by the transmission interface and Whether the insurance data is valid, to generate and send out one of the corresponding insurance, policy change, renewal and claims insurance coverage notification information and a backfill verification screen through the transmission interface, through the transmission interface within a predetermined time Receive one of the backfill verification data entered according to the instructions on the backfill verification screen to determine whether one of the insurance, policy changes, renewal and claims is agreed. The backfill verification data includes a random verification code and a policyholder’s At least one random inquiries about the relevant information of the insured.

The second aspect of the present invention is to provide a backfill verification system that replaces insurance pro-signatures. In one of the cases of insurance, policy change, renewal, and claims in the insurance business, the backfill verification system includes: a transmission Interface to receive or send data; and a processor to send a policy passbook through the transmission interface according to an insurance request, and receive one of the corresponding insurance, policy change, renewal and settlement of the policy passbook through the transmission interface Insurance data, according to the insurance request, the processor checks whether the insurance request received by the transmission interface and the insurance data are true, to generate and send out the corresponding insurance, policy change, renewal and settlement of claims through the transmission interface One kind of insurance intention notification information and a backfill verification screen, the processor receives a backfill verification data input according to the instructions of the backfill verification screen through the transmission interface within a predetermined time to judge the insurance and policy change , Whether one of renewal and claims is agreed, the processor writes the insurance data and the backfill verification data to the policy passbook, where the backfill verification data includes a random verification code and at least one random Inquiry about the relevant information of the insured.

The third aspect of the present invention is to provide a backfill verification method, which includes the following steps in one of the cases of insurance, policy change, renewal and settlement of claims in the insurance business: one of a backfill verification system The transmission interface receives one of the corresponding insurance request, insurance policy change, renewal and claim insurance information and an insurance data; a processor of the backfill verification system checks the insurance request received by the transmission interface according to the insurance request And whether the insurance information is established, to generate and send out one of the corresponding insurance, policy change, renewal and claims insurance coverage notification information, a random verification code and a backfill verification screen through the transmission interface; and The processor receives a backfilled verification data input according to the instructions of the backfilled verification screen through the transmission interface within a predetermined time to determine whether one of the insurance, policy change, renewal and claims is agreed, and the backfill The type verification data includes the random verification code and at least one random questioning type related information of a policyholder.

The fourth aspect of the present invention is to provide a backfill verification method, which includes the following steps in one of the cases of insurance, policy change, renewal and settlement of claims in the insurance business: one of a backfill verification system The processor sends a policy passbook through a transmission interface of the backfill verification system according to an insurance request; the transmission interface receives insurance data of one of the corresponding insurance, policy changes, renewal and claims in the policy passbook; by The processor checks whether the insurance request and the insurance data received by the transmission interface are valid according to the insurance request, so as to generate and send out one of the corresponding insurances of insurance, policy change, renewal and claim settlement through the transmission interface Willingness notification information, a random verification code, and a backfill verification screen; the processor receives a backfill verification data input in accordance with the instructions of the backfill verification screen within a predetermined time through the transmission interface to determine insurance , Whether one of the policy changes, renewal and claims is agreed, wherein the backfill verification data includes the random verification code and at least one random questioning policyholder related information of an insured; and the processor will apply the insurance The data and the backfill verification data are written into the policy passbook.

The fifth aspect of the present invention provides a recording medium storing a program. When a backfilling verification system loads the program on the recording medium and executes it, the method of the third or fourth aspect of the present invention can be completed .

The sixth aspect of the present invention provides a computer program product storing a program. When a backfill verification system loads the program in the computer program product and executes it, the third or fourth aspect of the present invention can be completed method.

10‧‧‧Backfill verification system

12‧‧‧ processor

14‧‧‧Transmission interface

16‧‧‧Guardian terminal device

18‧‧‧ processor

20‧‧‧Transmission interface

22‧‧‧Monitor

24‧‧‧Input device

26‧‧‧Underwriter/clerk terminal device

28‧‧‧ processor

30‧‧‧Transmission interface

32‧‧‧Monitor

34‧‧‧Input device

Fig. 1 is a block diagram of a backfill verification system and an insured terminal device replacing insurance pro-signatures of the present invention; Fig. 2 is a screen of a fully functional insurance network platform of the present invention; The screen of the backfill verification authorization and the online policy passbook consent; Figure 4 is a schematic diagram of the backfill verification system of the present invention sending a message to the customs trade system; Figure 5 is the back trade verification system of the present invention sending a message to the backfill verification system Figure 6 is a schematic diagram of the insured of the present invention selecting an insurance item on the policy quotation system; Figure 7 is a schematic diagram of the insurance insurance policy of the invention; Figure 8 is an insurance insurance policy of the invention that has completed electronic signing The schematic diagram of the book; FIG. 9 is a schematic diagram of a new insurance insurance intention notification message of the present invention; FIG. 10 is a schematic diagram of the backfill verification screen of the present invention; FIG. 11 is a screen of the present invention displaying a message for selecting a payment method; 12 is a schematic diagram of the message of the insurance premium received by the present invention; FIG. 13 is a schematic diagram of the message of the completed insurance application of the present invention; FIG. 14 is a screen of the policy passbook of the present invention; and FIG. 15 is an application for revising the auto insurance policy of the present invention The screen of the book; Figure 16 is a schematic diagram of the application for correction of the completed electronic signing of the present invention; Figure 17 is a schematic diagram of the insurance intention notification message of the policy change of the present invention; Figure 18 is a message of the completed policy change of the present invention FIG. 19 is a schematic diagram of the insurance renewal notification message of the present invention; FIG. 20 is a schematic diagram of the completed renewal message of the present invention; FIG. 21 is a schematic diagram of the claim application of the present invention; FIG. 22 is A schematic diagram of an electronically signed claim application for invention; FIG. 23 is a schematic diagram of an insurance intention notification message for claims of the present invention; FIG. 24 is a schematic diagram of a message for completed claims of the present invention; FIG. 25 is a new member of the present invention Flow chart of insured insurance; Figure 26 is a flow chart of the policy change of the present invention; Figure 27 is a flow chart of the insurance renewal of the present invention; and Figure 28 is a flow chart of the insurance claim of the present invention.

In order to enable those of ordinary skill in the art of the present invention to further understand the present invention, the preferred embodiments of the present invention are specifically enumerated below, and in conjunction with the accompanying drawings, the composition of the present invention and the desired effects are described in detail .

FIG. 1 is a block diagram of a backfill verification system and an insured terminal device replacing an insurance pro-signature of the present invention. In FIG. 1, the backfilling verification system 10 includes a processor 12 and a transmission interface 14. The backfilling verification system 10 also includes devices that are well-known to those skilled in the art work together, such as a memory, a bus, and an input device. , Display, etc., the description is omitted here.

The client terminal device 16 includes a processor 18, a transmission interface 20, a display 22, and an input device 24. The tenant terminal device 16 may be a computer, tablet computer, or smart phone, and the input device 24 may be a keyboard, a mouse, or a touch screen.

The underwriter/clerk terminal device 26 includes a processor 28, a transmission interface 30, a display 32 and an input device 34. The underwriter/clerk terminal device 26 may be a computer, tablet computer, or smart phone, and the input device 34 may be a keyboard, mouse, or touch screen.

For the new member insured, it enters the backfill verification system 10 of the insurance company through the insured terminal device 16 to perform the new member insurance procedure. The processor 12 of the backfill verification system 10 receives a new member application request from the insured terminal device 16, and the processor 12 sends the screen data of a full-function insurance platform of the insurance network to the insurance through the transmission interface 14 by wired or wireless transmission The user terminal device 16, the processor 18 of the client terminal device 16 receives the screen data of the insurance network full-function platform through the transmission interface 20 to display the screen of the insurance network full-function platform on the display 22, as shown in FIG. 2 The screen of the insurance network full-function platform of the present invention is shown.

The insurer selects the "new member" option on the screen of the insurance network full-function platform on the display 22 through the input device 24 of the insurer terminal device 16, and the processor 18 will select the "new member" message via the transmission interface 20 Send to backfill verification system 10.

After the processor 12 receives the message of selecting "new member" through the transmission interface 14, the processor 12 sends a screen data of the replacement insurance pro-signature authorization form and online policy passbook consent form to the insured terminal through the transmission interface 14 Device 16, the processor 18 receives the screen data of the replacement insurance pro-signature authorization form and the online policy passbook consent form via the transmission interface 20, so as to replace the insurance pro-signature return-filled authorization form and the network policy passbook consent form It is displayed on the display 22, as shown in FIG. 3, which is a screen for replacing the insurance pro-signature backfill authorization letter and the network policy passbook consent form of the present invention.

The insured enters the insured's personal basic data on the screen replacing the insurance pro-signature backfilled authorization form and the online policy passbook with the input device 24, and the processor 18 transmits the insured's personal basic data to the backfill via the transmission interface 20式Validation System 10. After that, the processor 12 sends an authorization agreement message and a login password to the insured terminal device 16 via the transmission interface 14, the authorization agreement message and the login password displayed on the display 22 notify the insured that the replacement of the insurance pro-signature backfill authorization has been completed The procedure of the book and online policy passbook consent form. At the same time, the policyholder prints out and replaces the insurance pro-signature backfilled authorization form and online policy passbook consent form and signs it, and sends the paper and double certificate photocopy to the insurance company for filing.

Then, the policyholder enters the insurance network full-function platform again, and enters the policyholder's personal basic information and login password on the insurance network full-function platform. The processor 18 transmits the policyholder's personal basic data and login password to the transmission interface 20 to Backfill verification system 10. The processor 12 sends a screen for inquiring customs trades to the insured terminal device 16 through the transmission interface 14, and the screen for inquiring customs trades received by the processor 18 through the transmission interface 20 and displays the screen on the display 22, as shown in FIG. 4 It is a schematic diagram of sending a message to the customs trading system by the backfill verification system of the present invention. The insurer inputs the data to be insured through the input device 24 (in this embodiment, the license plate number and ID number), and the processor 18 transmits the data to be insured to the backfill verification system 10 via the transmission interface 20.

The processor 12 receives the data to be insured via the transmission interface 14 and transmits it to the customs trading system (not shown) to check the insurance history data of the insured. The customs trading system sends the insurance history data corresponding to the insured to the backfill verification system 10 according to the insured’s personal basic information. The processor 12 transmits the insurance history data of the insured to the insured terminal device 16 via the transmission interface 14, and the insurance history data of the insured is displayed on the display 22, as shown in FIG. 5 for the customs trading system of the present invention to send a message to the backfill type The schematic diagram of the verification system is shown.

The processor 12 sends a screen data of the policy quotation system to the insured terminal device 16 through the transmission interface 14, and the processor 18 receives the screen data of the policy quotation system through the transmission interface 20 to display the screen of the policy quotation system on the display 22 Figure 6 is a schematic diagram of the insurer of the present invention selecting an insurance item on the policy quotation system.

The insured enters the insured item selected by the insured on the screen of the policy quotation system on the display 22 through the input device 24 of the insured terminal device 16, and the processor 18 transmits the insured selected insured item to the backfill type via the transmission interface 20 Authentication system 10.

The processor 12 makes a trial calculation of the premium to be paid by the insured based on the selected insured items of the insured and the insured’s insurance historical data. As shown in FIG. 6, the insured chooses the car compulsory insurance, type B body insurance, any third The results of the trial calculation of the insurance items such as personal liability insurance are shown in Figure 7 as a schematic diagram of the insurance insurance policy of the present invention.

The processor 12 sends the insurance policy including the insured’s personal basic information, insurance items and premiums to the underwriter/clerk terminal device 26 and the processor of the underwriter/clerk terminal device 26 via the transmission interface 14 28 Display the insurance insurance policy on the display 32 of the underwriter/clerk terminal device 26 to notify the underwriter and the clerk to sign electronically.

When the electronic signing of the underwriters and salespersons is completed, the processor 28 transmits the insurance requirement to the backfilled verification system 10 via the transmission interface 30 to the backfill verification system 10, as shown in FIG. 8 for the completed electronic signing of the present invention The schematic diagram of the nuclear insurance to be guaranteed. After the processor 12 has received the insurance policy that has been electronically signed, it sends an insurance willingness notification message (such as a newsletter or chat software (including a selected insurance item, the premium to be paid, and a random verification code, etc.) through the transmission interface 14 Such as LINE) SMS) insurance intention notification message to the insured terminal device 16, as shown in FIG. 9 is a schematic diagram of the new insurance insurance intention notification message of the present invention.

Then, the processor 12 sends the data of a backfill verification screen to the tenant terminal device 16 via the transmission interface 14, and displays the backfill verification screen on the display 22, as shown in FIG. 10 as a schematic diagram of the backfill verification screen of the present invention Show. When the policyholder verifies that the selected insured items and the premiums to be paid are correct, enter at least one of the policyholder’s random questioning policyholder-related data and randomization verification code within the time specified in the backfill verification screen (such as (Random Verification Code shown in FIG. 9), the processor 18 transmits the backfilled verification data including at least one randomly selected questionnaire-related data of the policyholder and the randomization verification code to the backfilled verification system via the transmission interface 20 10 to verify. Among them, the processor 12 determines the number of questions about the randomly selected insurer-related data based on the insurance history data of the insurer (for example, whether the insurance is frequently incurred). Therefore, when the insured verifies that the selected insurance items and the premiums to be paid are correct, there is no need for the insured to sign on paper, and only the relevant information and randomness of at least one random questioning insured including the insured should be returned The backfill verification data of the verification code is confirmed by the backfill verification system 10 of the insurance company, and the latest information of the newly insured content can be controlled in time.

The processor 12 receives via the transmission interface 14 at least one randomly selected insured related data of the insured and the backfilled verification data of the random verification code, and determines at least one randomly selected insured related data of the insured And whether the randomness verification code is correct and it is judged whether the insured terminal device 16 returns at least one random questioning type insured related data of the insured and the randomness verification code within the prescribed time.

The processor 12 judges that at least one randomly selected questionnaire-related data and randomness verification code of the policyholder returned within the specified time are correct, and the processor 12 sends a message to the policyholder to provide a payment method via the transmission interface 14户terminal装置16。 Household terminal device 16. The processor 18 receives the message providing the selection payment method via the transmission interface 20, and displays the message on the display 22, as shown in FIG. 11 for the screen of the present invention displaying the message providing the selection payment method.

After the insurer pays the premium according to the selected payment method, the financial institution that collects the premium will send a message that the premium has been received to the backfill verification system 10, as shown in FIG. 12 as a schematic diagram of the message of the premium received in the present invention . When the processor 12 receives the premium received message sent by the financial institution that collects the premium, the processor 12 sends the completed insurance message to the insured terminal device 16 via the transmission interface 14, and the display 22 displays the completed insurance message In order to notify the insured to receive the premium paid by them, as shown in FIG. 13 is a schematic diagram of the message of the completed insurance application of the present invention.

The processor 12 stores the personal basic information of the insured, the selected insured items, the premium, the random verification code, and the payment of the premium into the policy passbook of the corresponding insured to create a new insured The policy passbook is shown in the screen of the policy passbook of the present invention as shown in FIG. 14.

When the policyholder wants to change the policy (for example, the policyholder's vehicle is to be scrapped), the processor 12 receives a request to open a policy passbook from one of the policyholder terminal devices 16, and the processor 12 sends the policy passbook data of the policyholder via the transmission interface 14 To the insured terminal device 16, the processor 18 receives the data of the policy passbook via the transmission interface 20 and displays it on the display 22, as shown in FIG.

The insurer selects the modification option of the policy transaction in the policy passbook via the input device 24, and the processor 18 transmits the modification option request to the backfill verification system 10 via the transmission interface 20. After the processor 12 receives the request for the correction option via the transmission interface 14, it sends a batch of screen data of the application for change to the insured terminal device 16. The processor 18 receives the screen data of the application for correction via the transmission interface 20, and displays the screen of the application for correction on the display 22, as shown in FIG. 15 for the screen for the application for correction of the automobile insurance policy of the present invention.

The insurer enters the policy change item selected by the insurer on the screen of the auto insurance policy revision application form on the display 22 through the input device 24, and the processor 18 transmits the selected policy change item of the insurer to the backfill verification through the transmission interface 20 System 10.

The processor 12 sends the vehicle insurance policy revision application to the underwriter/clerk terminal device 26 through the transmission interface 14 according to the information of the selected policy change item of the insurer, and the processor 28 of the underwriter/clerk terminal device 26 The correction application is displayed on the display 32 of the underwriter/clerk terminal device 26 to notify the underwriter and the clerk to sign electronically.

When the electronic signature of the underwriters and salespersons is completed, the processor 28 transmits the correction application for the completed electronic signature to the backfill verification system 10 via the transmission interface 30, as shown in FIG. 16 for the completed electronic signature of the present invention The schematic diagram of the application for correction is shown. After the processor 12 receives the application for approval that has completed the electronic sign-off, it sends an insurance willingness notification message (such as a text message or a short message of a chat software (such as LINE)) to the insurance via the transmission interface 14 including the policy transaction item and the randomness verification code. The user terminal device 16 is shown in FIG. 17 as a schematic diagram of the notification message of the insurance intention to change the insurance policy of the present invention.

Then, the processor 12 sends the data of a backfill verification screen to the client terminal device 16 via the transmission interface 14 and displays the backfill verification screen on the display 22, as shown in FIG. When the policyholder verifies that the policy transaction item is correct, enter at least one random questioning policyholder-related data including the policyholder and a random verification code (as shown in Figure 17) within the time specified in the backfill verification screen Verification code), the processor 18 transmits the backfilled verification data including at least one randomly selected questionnaire-related data of the policyholder and the random verification code to the backfilled verification system 10 via the transmission interface 20 authenticating. Therefore, when the insured verifies the selected policy change, it is not necessary for the insured to sign on paper, but only to return the backfilled verification data including at least one randomly selected questionnaire related information and random verification code of the insured Confirm to the insurance company's backfill verification system 10 and keep up-to-date on the latest information on policy changes.

The processor 12 receives through the transmission interface 14 and judges that the at least one randomly-insured insured related data and the randomness verification code of the insured returned within the specified time are correct, then the processor 12 sends through the transmission interface 14 The message of completion of the policy transaction is sent to the insurer terminal device 16, and the display 22 displays the message of completion of the policy transaction to notify the policyholder to complete this procedure, as shown in FIG. 18 as a schematic diagram of the message of the completed policy transaction of the present invention. Then, the processor 12 stores the selected policy change items and random verification code of the policyholder in the policybook of the corresponding policyholder.

When the policyholder wants to renew the policy, the processor 12 receives the policy passbook opening request from the policyholder terminal device 16, and the processor 12 sends the policybook passbook data of the policyholder to the policyholder terminal device 16 via the transmission interface 14, and the processor 18 The data of the policy passbook is received via the transmission interface 20 and displayed on the display 22, as shown in FIG.

The insurer selects the renewal option in the policy passbook via the input device 24, and the processor 18 transmits the renewal request to the backfill verification system 10 via the transmission interface 20. The processor 12 sends the renewal application to the underwriter/clerk terminal device 26 via the transmission interface 14 according to the renewal request of the insured, and the processor 28 of the underwriter/clerk terminal device 26 displays the renewal application on The display 32 of the underwriter/clerk terminal device 26 notifies the underwriter and the clerk to sign electronically.

When the electronic sign-off of the underwriter and the salesperson is completed, the processor 28 transmits the renewal application for the completed electronic sign-off to the backfill verification system 10 via the transmission interface 30. After receiving the renewal application form that has been electronically signed, the processor 12 sends an insurance willingness notification message (such as a text message or chat software (such as LINE) including the renewal notice, the premium to be paid, and the random verification code through the transmission interface 14 ) To the insurer terminal device 16, as shown in FIG. 19, which is a schematic diagram of the insurance intention notification message of the renewal of the present invention.

The processor 18 receives messages such as renewal notice, renewal premium and random verification code via the transmission interface 20 to display the message on the display 22. On the backfill verification screen displayed on the display 22 (as shown in FIG. 10), enter at least one window of the random selection questionnaire-related data and random verification code of the policyholder. When the policyholder verifies the renewal, In the window, enter the backfilled verification data including at least one randomly selected questionnaire related data of the insured and the randomness verification code in the window within a specified time. The processor 18 via the transmission interface 20 will include at least one random drawn insured of the insured The backfill verification data of the question-type policyholder related data and the random verification code are sent to the backfill verification system 10. Therefore, when the policyholder wants to renew the policy, the policyholder does not need to sign the paper on the paper, and only needs to return at least one random questioning policyholder related information and random verification code backfill verification data to the insurance The company's backfill verification system 10 confirms the latest information of the renewal that can be controlled in time.

The processor 12 receives at least one randomly selected questionnaire-related data and randomness verification code of the insured via the transmission interface 14 and determines whether the at least one randomly selected questionnaire-related data and randomness verification code of the insured It is correct and judged whether the insured terminal device 16 returns at least one of the insured’s randomly-insured insured related data and randomness verification code within the prescribed time.

The processor 12 judges that at least one randomly selected questionnaire-related data and randomness verification code of the policyholder returned within the specified time are correct, and the processor 12 sends a message to the policyholder to provide a payment method via the transmission interface 14户terminal装置16。 Household terminal device 16.

The processor 18 receives the message for selecting the payment method via the transmission interface 20 to display the message on the display 22, as shown in FIG. 11. After the policyholder pays the premium according to the selected payment method, the financial institution that collects the premium will send a message that the premium has been received to the backfill verification system 10.

When the processor 12 receives the premium received message sent by the financial institution that collects the premium, the processor 18 sends the renewal completed message to the insurer terminal device 16 via the transmission interface 20, and the display 22 shows that the renewal is completed The message informs the insured to receive the premium paid by them, as shown in FIG. 20, which is a schematic diagram of the message that the renewal has been completed in the present invention. The processor 12 stores the renewal, premium, random verification code, and premium payment of the insured in the policy passbook of the insured, as shown in FIG. 14.

When the insured wants to make a claim, the processor 12 receives the policy deposit book opening request from the insured terminal device 16, the processor 12 sends the data of the insured policy passbook to the insured terminal device 16 via the transmission interface 14, and the processor 18 passes The transmission interface 20 receives the data of the policy passbook and displays it on the display 22, as shown in FIG.

The insurer selects the option of claim settlement in the policy passbook via the input device 24, and the processor 18 transmits the claim settlement request to the backfill verification system 10 via the transmission interface 20. The processor 12 sends the claim application to the underwriter/clerk terminal device 26 via the transmission interface 14 according to the insurer’s claim request, and the processor 28 of the underwriter/clerk terminal device 26 displays the claim application to the underwriter / The display 32 of the salesperson terminal device 26, as shown in FIG. 21, is a schematic diagram of the claim application of the present invention, to notify the underwriter and the salesperson to perform the electronic signing.

When the electronic signature of the underwriter and the salesperson is completed, the processor 28 transmits the claim application for the completed electronic signature to the backfill verification system 10 via the transmission interface 30, as shown in FIG. 22 for the electronic signature of the present invention The schematic diagram of the claim application is shown. After receiving the claim application with electronic signing, the processor 12 sends an insurance willingness notification message (such as a text message or a short message of a chat software (such as LINE)) to the insured via the transmission interface 14 including a claim notification and a random verification code The terminal device 16, as shown in FIG. 23, is a schematic diagram of an insurance intention notification message of claims of the present invention.

Then, the processor 12 sends the data of a backfilled verification screen to the insured terminal device 16 via the transmission interface 14, and displays at least one random questioned insured-related data input by the insured and the randomness verification code on the display 22 The window (as shown in Figure 10), when the insured verifies that he wants to apply for a claim, enter the backfilled form that includes at least one random questioning type of the insured's relevant information and random verification code within the specified time within the window For the verification data, the processor 18 transmits the backfilled verification data including at least one randomly selected questionnaire related data of the insured and the randomness verification code to the backfilled verification system 10 via the transmission interface 20. Therefore, when the insured verifies that he wants to apply for a claim, it is not necessary for the insured to sign on paper, but only to return at least one randomly selected questionnaire related information and random verification code backfilled verification data to the insurance The company's backfill verification system 10 confirms the latest information of claims that can be controlled in a timely manner.

The processor 12 receives through the transmission interface 14 and judges that at least one randomly selected questionnaire-related data and randomness verification code of the insured returned within the specified time are correct, then the processor 12 sends through the transmission interface 14 The message for claim settlement is sent to the insurer terminal device 16, and the display 22 displays the message for claim settlement to notify the insurer that the claim will be settled, as shown in FIG. 24 as a schematic diagram of the message of claim settlement completed in the present invention. Then, the processor 12 stores the claimant's claim application, claim amount, and randomness verification code in the policy passbook of the corresponding insurer, as shown in FIG. 14.

The following flow chart will explain the process steps of implementing the backfill verification method in the case of insurance application, policy change, renewal or claim settlement in the insurance business of the present invention. Refer to the components and drawings of FIGS. 1 to 24 when describing the implementation steps of the following flowchart.

FIG. 25 is a flowchart of the new member insured insurance of the present invention. In FIG. 25, for the new member insured, the insured terminal device 16 enters the insurance company's backfill verification system 10 to perform the new member insurance process.

The processor 12 of the backfill verification system 10 receives a new member application request from the client terminal device 16, and the processor 12 sends the screen data of a full-function insurance platform of the insurance network to the transmission interface 14 through a wired or wireless transmission method to The insurer terminal device 16 and the processor 18 of the insurer terminal device 16 receive the screen data of the insurance network full-function platform via the transmission interface 20 to display the screen of the insurance network full-function platform on the display 22 (step S42) ,as shown in picture 2.

The insurer clicks the option of "new member" on the screen of the insurance network full-function platform on the display 22 through the input device 24 of the insurer terminal device 16, and the processor 18 will select the message of "new member" through the transmission interface 20 is transmitted to the backfill verification system 10.

After the processor 12 receives the message of selecting "new member" via the transmission interface 14, the processor 12 sends a screen data of the replacement insurance pro-signature authorization form and the online policy passbook consent form to the insured person via the transmission interface 14 The terminal device 16 and the processor 18 receive the screen data of the replacement insurance pro-signature authorization form and online policy passbook consent form via the transmission interface 20, so as to replace The screen is displayed on the display 22 (step S44), as shown in FIG.

The insured enters the insured's personal basic data on the screen replacing the insurance pro-signature backfilled authorization form and the online policy passbook with the input device 24, and the processor 18 transmits the insured's personal basic data to the backfill via the transmission interface 20 Verification system 10 (step S46). After that, the processor 12 sends an authorization agreement message and a login password to the insured terminal device 16 via the transmission interface 14, the authorization agreement message and the login password displayed on the display 22 notify the insured that the replacement of the insurance pro-signature backfill authorization has been completed The procedure of the book and online policy passbook consent form. At the same time, the policyholder prints out and replaces the insurance pro-signature backfilled authorization form and online policy passbook consent form and signs it, and sends the paper and double certificate photocopy to the insurance company for filing.

Then, the policyholder enters the insurance network full-function platform again, and enters the policyholder's personal basic information and login password on the insurance network full-function platform. The processor 18 transmits the policyholder's personal basic data and login password to the transmission interface 20 to Backfill verification system 10. The processor 12 sends a screen for inquiring customs trades to the insured terminal device 16 through the transmission interface 14, and the screen for inquiring customs trades received by the processor 18 through the transmission interface 20 and displays the screen on the display 22, as shown in FIG. 4 As shown. The insurer inputs the data to be insured through the input device 24 (in this embodiment, the license plate number and ID number), and the processor 18 transmits the data to be insured to the backfill verification system 10 via the transmission interface 20.

The processor 12 receives the data to be insured via the transmission interface 14 and transmits it to the customs trading system (not shown) to check the insurance history data of the insured. The customs trading system transmits the insurance history data corresponding to the insured to the backfill verification system 10 according to the insured’s personal basic data (step S48). The processor 12 transmits the insurance history data of the insured to the insured terminal device 16 via the transmission interface 14, and the insurance history data of the insured is displayed on the display 22, as shown in FIG.

The processor 12 sends a screen data of the policy quotation system to the insured terminal device 16 through the transmission interface 14. The processor 18 receives the screen data of the policy quotation system through the transmission interface 20 to display the screen of the policy quotation system on the display 22 Up (step S50), as shown in FIG.

The insured enters the insured item selected by the insured on the screen of the policy quotation system on the display 22 through the input device 24 of the insured terminal device 16, and the processor 18 transmits the insured selected insured item to the backfill type via the transmission interface 20 The verification system 10 (step S52).

The processor 12 tries to calculate the premium to be paid by the insured based on the insured items selected by the insured and the insured’s insurance historical data. As shown in FIG. 6, the insured chooses automobile compulsory insurance, type B body insurance, any The results of the trial calculation of three-person liability insurance and other insurance items are shown in Figure 7 (step S54).

The processor 12 sends the insurance policy including the insured’s personal basic data, insurance items and premiums to the underwriter/clerk terminal device 26, and the underwriter/clerk terminal device 26 is processed through the transmission interface 14 The device 28 displays the insurance request letter on the display 32 of the underwriter/clerk terminal device 26 to notify the underwriter and the clerk to perform electronic sign-off (step S56).

When the electronic signature of the underwriter and the salesperson is completed, the processor 28 transmits the insurance requirement to the backfilled verification system 10 via the transmission interface 30 to the backfill verification system 10, as shown in FIG. After the processor 12 has received the insurance policy that has been electronically signed, it will send an insurance willingness notification message (such as a text message or chat software) including the selected insurance item, the premium to be paid, and the random verification code through the transmission interface 14 A notification message (such as LINE) of the insurance intention to the insurer terminal device 16 (step S58), as shown in FIG. 9.

Next, the processor 12 sends the data of a backfill verification screen to the insured terminal device 16 via the transmission interface 14, and displays the backfill verification screen on the display 22, as shown in FIG. When the policyholder verifies that the selected insured items and the premiums to be paid are correct, enter at least one of the policyholder’s random questioning policyholder-related data and randomization verification code within the time specified in the backfill verification screen (such as (Random Verification Code shown in FIG. 9), the processor 18 transmits the backfilled verification data including at least one randomly selected questionnaire-related data of the policyholder and the randomization verification code to the backfilled verification system via the transmission interface 20 10 to verify (step S60). Therefore, when the insured verifies that the selected insurance items and the premiums to be paid are correct, there is no need for the insured to sign on paper, and only the at least one random questioning-type insurer related information and random verification shall be returned to the insured. Code to the insurance company's backfill verification system 10 for confirmation, and the latest information of the new insurance content that can be controlled in time.

The processor 12 receives via the transmission interface 14 at least one randomly selected insured related data of the insured and the backfilled verification data of the random verification code, and determines at least one randomly selected insured related data of the insured And whether the randomness verification code is correct and it is determined whether the insured terminal device 16 returns at least one randomly selected questionnaire-related data of the insured and the randomness verification code within the prescribed time (step S62).

The processor 12 determines that the at least one random questionnaire-related data and the randomness verification code of the insured returned by the insured within the specified time are correct. The processor 12 sends a message through the transmission interface 14 to provide the payment method selection to保户terminal装置16. The processor 18 receives the message for selecting the payment method via the transmission interface 20 to display the message on the display 22 (step S64), as shown in FIG. 11.

After the policyholder pays the premium according to the selected payment method, the financial institution that collects the premium will send a message that the premium has been received to the backfill verification system 10 (step S66), as shown in FIG. 12. When the processor 12 receives the received premium message sent by the financial institution that collects the premium, the processor 12 sends the completed insurance message to the insured terminal device 16 via the transmission interface 14, and the display 22 shows the completed insurance The message informs the insured to receive the premium paid (step S68), as shown in FIG. 13.

The processor 12 stores the personal basic information of the insured, the selected insured items, the premium, the random verification code, and the payment of the premium into the policy passbook of the corresponding insured to create a new insured The passbook policy (step S70) is shown in FIG. 14.

FIG. 26 is a flowchart of the insurance policy transaction of the present invention. In FIG. 26, when the policyholder wants to change the policy (for example, the policyholder’s vehicle is to be scrapped), the processor 12 receives one of the policyholder terminal device 16 to open the policy passbook request, and the processor 12 sends the policy via the transmission interface 14 The data of the policy passbook of the account are sent to the policyholder terminal device 16, and the data of the policy passbook is received by the processor 18 via the transmission interface 20 and displayed on the display 22 (step S80), as shown in FIG. 14.

The insurer selects the modification option of the policy transaction in the policy passbook via the input device 24, and the processor 18 transmits the modification option request to the backfill verification system 10 via the transmission interface 20. After the processor 12 receives the request for the correction option via the transmission interface 14, it sends a batch of screen data of the application for change to the insured terminal device 16. The processor 18 receives the screen data of the application for correction via the transmission interface 20 to display the screen of the application for correction on the display 22 (step S82), as shown in FIG. 15.

The policyholder inputs the policy change items selected by the policyholder through the input device 24 on the screen of the auto insurance policy revision application form on the display 22, and the processor 18 transmits the policy change items selected by the policyholder to the backfill type via the transmission interface 20 The verification system 10 (step S84).

The processor 12 sends a correction request to the underwriter/clerk terminal device 26 via the transmission interface 14 according to the information of the selected policy change item of the insurer, and the processor 28 of the underwriter/clerk terminal device 26 transfers the car The insurance policy approval application is displayed on the display 32 of the underwriter/clerk terminal device 26 to notify the underwriter and the clerk to perform electronic sign-off (step S86).

When the electronic sign-off of the underwriter and the salesperson is completed, the processor 28 transmits the correction application for the completed electronic sign-off to the backfill verification system 10 via the transmission interface 30, as shown in FIG. After the processor 12 receives the application for approval that has completed the electronic signing, it sends an insurance willingness notification message (such as a text message or a short message of a chat software (such as LINE)) including the insurance transaction item and the random verification code through the transmission interface 14 to The depositor terminal device 16 (step S88) is as shown in FIG.

Next, the processor 12 sends the data of a backfill verification screen to the insured terminal device 16 via the transmission interface 14, and displays the backfill verification screen on the display 22, as shown in FIG. When the policyholder verifies that the policy transaction item is correct, enter at least one random questioning policyholder-related data including the policyholder and a random verification code (as shown in Figure 17) within the time specified in the backfill verification screen Verification code), the processor 18 transmits the backfilled verification data including at least one randomly selected questionnaire-related data of the policyholder and the random verification code to the backfilled verification system 10 via the transmission interface 20 Verification is performed (step S90). Therefore, when the insured verifies the selected policy change, it is not necessary for the insured to sign on paper, but only to return the backfilled verification data including at least one randomly selected questionnaire related information and random verification code of the insured Confirm to the insurance company's backfill verification system 10 and keep up-to-date on the latest information on policy changes.

The processor 12 receives through the transmission interface 14 and judges that at least one randomly selected questionnaire-related data and randomness verification code of the policyholder returned within the prescribed time are correct (step S92), then the processor 12 passes The transmission interface 14 sends the message that the policy change has been completed to the insured terminal device 16, and the display 22 displays the message that the policy change has been completed to notify the policyholder to complete the procedure (step S94), as shown in FIG. 18. Next, the processor 12 stores the selected policy change items and randomness verification codes of the policyholder in the policybook of the corresponding policyholder (step S96).

FIG. 27 is a flowchart of insurance renewal of the present invention. In FIG. 27, when the policyholder wants to renew the policy, the processor 12 receives the request to open the policy passbook of the policyholder terminal device 16, and the processor 12 sends the data of the policyholder’s policy passbook to the policyholder terminal via the transmission interface 14 In the device 16, the data of the policy passbook is received by the processor 18 via the transmission interface 20 and displayed on the display 22 (step S100), as shown in FIG. 14.

The insurer selects the renewal option in the policy passbook via the input device 24, and the processor 18 transmits the renewal request to the backfill verification system 10 via the transmission interface 20. The processor 12 sends the renewal application to the underwriter/clerk terminal device 26 through the transmission interface 14 according to the renewal request of the insurer, and the processor 28 of the underwriter/clerk terminal device 26 displays the renewal application On the display 32 of the underwriter/clerk terminal device 26, the underwriter and the clerk are notified to perform electronic sign-off (step S102).

When the electronic sign-off of the underwriter and the salesperson is completed, the processor 28 transmits the renewal application for the completed electronic sign-off to the backfill verification system 10 via the transmission interface 30. After the processor 12 receives the renewal application form that has been electronically signed, it sends an insurance willingness notification message (such as a text message or chat software (such as a text message or chat software (such as a renewal notice, a premium to be paid, and a random verification code) through the transmission interface 14 LINE) to the insured terminal device 16 (step S104), as shown in FIG. 19.

The processor 18 receives messages such as renewal notice, renewal premium and random verification code via the transmission interface 20 to display the message on the display 22. On the backfill verification screen displayed on the display 22 (as shown in FIG. 10), enter at least one window of the random selection questionnaire-related data and random verification code of the policyholder. When the policyholder verifies the renewal, In the window, enter the backfilled verification data including at least one randomly selected questionnaire related data of the insured and the randomness verification code in the window within a specified time. The processor 18 randomly selects at least one included insured through the transmission interface 20 The backfilled verification data of the question-type policyholder related data and the randomness verification code are sent to the backfilled verification system 10 (step S106). Therefore, when the policyholder wants to renew the policy, the policyholder does not need to sign the paper on the paper, and only needs to return at least one random questioning policyholder related information and random verification code backfill verification data to the insurance The company's backfill verification system 10 confirms the latest information of the renewal that can be controlled in time.

The processor 12 receives at least one randomly selected questionnaire-related data and randomness verification code of the insured through the transmission interface 14, and determines at least one randomly selected questionnaire-related data and randomness verification code of the insured Whether it is correct and it is judged whether the insured terminal device 16 returns at least one randomly selected questionnaire-related data of the insured and the randomness verification code within the prescribed time (step S108).

The processor 12 judges that the at least one random questionnaire-related data and randomness verification code of the insured returned by the insured within the specified time is correct, and the processor 12 sends a message through the transmission interface 14 to provide the payment method selection to The tenant terminal device 16 (step S110).

The processor 18 receives the message for selecting the payment method via the transmission interface 20 to display the message on the display 22, as shown in FIG. 11. After the policyholder pays the premium according to the selected payment method, the financial institution that collects the premium will send a message that the premium has been received to the backfill verification system 10 (step S112).

When the processor 12 receives the premium received message sent by the financial institution that collects the premium, the processor 18 sends the completed renewal message to the insured terminal device 16 via the transmission interface 20, and the display 22 displays the completed renewal The guaranteed message notifies the insured that it has received the premium paid (step S114), as shown in FIG. 20. Then, the processor 12 stores the renewal, premium, random verification code, and premium payment of the insured in the policy passbook of the insured (step S116), as shown in FIG. 14.

FIG. 28 is a flowchart of insurance claims of the present invention. In FIG. 28, when a policyholder wants to settle a claim, the processor 12 receives a policy bankbook passbook request from the policyholder terminal device 16, and the processor 12 sends the policybook passbook data of the policyholder to the policyholder terminal device via the transmission interface 14 16. The data of the policy passbook is received by the processor 18 via the transmission interface 20 and displayed on the display 22 (step S120), as shown in FIG. 14.

The insurer selects the option of claim settlement in the policy passbook via the input device 24, and the processor 18 transmits the claim settlement request to the backfill verification system 10 via the transmission interface 20. The processor 12 sends the claim application to the underwriter/clerk terminal device 26 via the transmission interface 14 according to the insurer’s claim request, and the processor 28 of the underwriter/clerk terminal device 26 displays the claim application on the underwriting The display 32 of the salesperson/clerk terminal device 26, as shown in FIG. 21, notifies the underwriter and salesperson to perform electronic sign-off (step S122).

When the electronic signature of the underwriter and the salesperson is completed, the processor 28 transmits the claim application for electronic signature completed to the backfill verification system 10 via the transmission interface 30, as shown in FIG. 22. After the processor 12 receives the claim application that has completed the electronic signing, it sends an insurance willingness notification message (such as a text message or a short message of a chat software (such as LINE)) including a claim notification and a random verification code through the transmission interface 14 to the insurance The user terminal device 16 (step S124) is as shown in FIG.

Then, the processor 12 sends the data of a backfilled verification screen to the insured terminal device 16 via the transmission interface 14, and displays and enters at least one random questioned insured-related data including the insured on the display 22 and the randomness verification Code window (as shown in Figure 10), when the insured verifies that he wants to apply for a claim, enter at least one random questioning type insured related information including the insured and the random verification code in the window within the specified time For the backfilled verification data, the processor 18 transmits the backfilled verification data including at least one random questioning policyholder related data and random verification code of the insured to the backfilled verification system 10 via the transmission interface 20 (step S126) . Therefore, when the insured verifies that he wants to apply for a claim, it is not necessary for the insured to sign on paper, but only to return at least one randomly selected questionnaire related information and random verification code backfilled verification data to the insurance The company's backfill verification system 10 confirms the latest information of claims that can be controlled in a timely manner.

The processor 12 receives through the transmission interface 14 and determines that at least one personal basic data and the randomness verification code of the insured person returned within the prescribed time are correct (step S128), then the processor 12 sends through the transmission interface 14 The message for claim settlement is sent to the insurer terminal device 16, and the message for claim settlement is displayed on the display 22 to inform the insurer that the claim will be settled (step S130), as shown in FIG. 24. Next, the processor 12 stores the claimant's claim application, claim amount and random verification code and other data in the policy passbook of the corresponding insurer (step S132), as shown in FIG. 14.

The above policy verification method of the present invention can be completed in a program type, and the program can be stored in a recording medium. When the backfill verification system loads the program in the recording medium and executes it, the above description and The method steps shown in the diagram.

Similarly, the policy verification method of the present invention can be completed by a computer program product. When the backfill verification system downloads the computer program product from the network and executes it, for example, the method steps shown in the above description and drawings can be completed .

The invention provides a backfill verification system and a backfill verification method, a computer-readable recording medium and a computer program product that replace the insurance pro-signature. Its advantages are that it does not require the insured's pro-signature, and uses mobile devices and Internet technology to quickly It also effectively proves the insurer's willingness to insure insurance, reducing the difficulty of proving the proof of pro-signature disputes, and insurers can timely control the latest information of the policy content that is in effect during the insurance period, correct or process claims, and also have environmental protection, save mailing time and Paper, no risk of postman error and personal risk of leakage.

Although the present invention has been described above with reference to preferred specific examples and exemplary drawings, it should not be regarded as limiting. Those skilled in the art can make various modifications, omissions and changes to the contents of their forms and specific examples without departing from the claimed scope of the claims of the present invention.

10‧‧‧Backfill verification system

12‧‧‧ processor

14‧‧‧Transmission interface

16‧‧‧Guardian terminal device

18‧‧‧ processor

20‧‧‧Transmission interface

22‧‧‧Monitor

24‧‧‧Input device

26‧‧‧Underwriter/clerk terminal device

28‧‧‧ processor

30‧‧‧Transmission interface

32‧‧‧Monitor

34‧‧‧Input device

Claims (16)

A backfill verification system that replaces insurance pro-signatures. In one of the situations of insurance, policy changes, renewal and settlement of claims in the insurance business, the backfill verification system includes: a transmission interface to receive or send data; and a The processor receives, through the transmission interface, one of the corresponding insurance request, insurance policy change, renewal and settlement of insurance request and an insurance data, and checks whether the insurance request and the insurance data received by the transmission interface are based on the insurance request Established to generate and send out one of the corresponding insurance, policy change, renewal and claims insurance coverage notification information, a random verification code and a backfill verification screen through the transmission interface, through the transmission interface at a predetermined Receive one of the backfill verification data input in accordance with the instructions of the backfill verification screen within the time to determine whether one of the insurance, policy change, renewal and claims is agreed. The backfill verification data includes the random verification code and At least one randomly selected questionnaire related information of a policyholder. A backfill verification system. In one of the situations of insurance, policy change, renewal and settlement of claims in the insurance business, the backfill verification system includes: a transmission interface, receiving or sending data; and a processor, based on a An insurance request sends a policy passbook through the transmission interface, receives through the transmission interface the insurance data of one of the corresponding insurance, policy change, renewal and claim settlement in the policy passbook, and the processor verifies the insurance account according to the insurance request Whether the insurance request and the insurance data received by the transmission interface are established, so as to generate and send one of the corresponding insurance, policy change, renewal and claims insurance coverage notification information, a random verification code and A backfill verification screen, the processor receives, through the transmission interface, a backfill verification data input in accordance with the instructions of the backfill verification screen within a predetermined time to determine which of the insurance, policy changes, renewal and claims Whether to agree, the processor writes the insurance data and the backfill verification data to the policy passbook, where the backfill verification data includes the random verification code and at least one random questioning policyholder of a policyholder data. As in the backfill verification system of claim 1 or 2, where the processor determines that the insurance or renewal is agreed, the processor sends a payment message through the transmission interface, and the processor receives a financial institution through the transmission interface. Send one of the completed payment messages. For example, in the backfill verification system of item 1 or 2, wherein the processor sends out one of the insurance data and receives the selected insurance data through the transmission interface. The transmission interface sends out the insured data of the selected insured data and receives one of the insured insurance historical data corresponding to the insured data, checks the selected insured data and the insured historical data of the insured, and tries to calculate a premium, Send an insurance policy including one of the selected insurance data, the insurance history data of the insured, and the premium through the transmission interface, and receive the insurance policy signed by electronic signature, and send out the premium through the transmission interface , The randomness verification code and the backfill verification screen. For example, in the backfill verification system of item 1 or 2, wherein the processor sends out one of the policy transaction data in the insurance data and receives one of the items in the selected policy transaction data through the transmission interface. Data, send an amendment application including the policy transaction data through the transmission interface, and receive the amendment application electronically signed, and send the selected policy transaction data and the randomness verification code through the transmission interface And the backfill verification screen. As in the backfill verification system of claim 1 or 2, wherein the processor sends out a renewal application including the renewal amount in the insurance data via the transmission interface, and receives the renewal electronically signed The insurance application form, and receive a renewal notice through the transmission interface and send out the renewal amount, the randomness verification code and the backfill verification screen. For example, in the backfill verification system of claim 1 or 2, wherein the processor sends out one of the insurance claims information and receives the selected claim information of one of the items that have selected the claim information through the transmission interface, via the The transmission interface sends out a claim application including one of the claims information, and receives the electronically signed claim application, and sends out the selected claim information, the randomness verification code, and the backfill verification screen via the transmission interface . A backfill verification method. In one of the situations of insurance, policy change, renewal and settlement of claims in the insurance business, the method includes the following steps: receiving the corresponding insurance, policy change, through one of the transmission interfaces of a backfill verification system, One of insurance renewal and claims insurance information and insurance data; a processor of the backfill verification system checks whether the insurance request and the insurance data received by the transmission interface are valid according to the insurance request to generate And send out one of the corresponding insurance, policy change, renewal and claims insurance coverage notification information, a random verification code and a backfill verification screen through the transmission interface; and the processor through the transmission interface in a Receive one of the backfill verification data input according to the instructions of the backfill verification screen within a predetermined time to determine whether one of the insurance, policy changes, renewal and claims is agreed. The backfill verification data includes the random verification code And at least one random questioning-type policyholder related information of a policyholder. A backfill verification method. In one of the situations of insurance, policy change, renewal and settlement of claims in the insurance business, the method includes the following steps: A processor of a backfill verification system passes the insurance request based on an insurance request. One of the transmission interfaces of the backfill verification system sends a policy passbook; the transmission interface receives one of the insurance data of the corresponding insurance, policy change, renewal and claims in the policy passbook; the processor checks the insurance request according to the insurance request Whether the insurance request and the insurance data received by the transmission interface are established, so as to generate and send out one of the corresponding insurance, policy change, renewal and settlement of insurance intention notification information and a random verification code through the transmission interface And a backfilled verification screen; the processor receives a backfilled verification data input in accordance with the instructions of the backfilled verification screen through the transmission interface within a predetermined time to judge the insurance, policy changes, renewal and claims Whether one of them agrees, wherein the backfill verification data includes the random verification code and at least one randomly selected questionnaire related data of a policyholder; and the processor writes the insurance data and the backfill verification data into the Policy passbook. For example, the backfill verification method of claim 8 or 9 further includes the following steps: when the processor determines that the insurance or renewal is agreed, the processor sends a payment message through the transmission interface; and the processor Receive a payment completed message sent by a financial institution through the transmission interface. For example, the backfilling verification method of claim 8 or 9, wherein the verification step includes the following steps: the processor sends out one of the insurance data through the transmission interface to the insurance data; the processor passes the The transmission interface receives the selected insured data, one of the items that have selected the insured data; the processor sends out the insured data of the selected insured data through the transmission interface; the processor receives the corresponding insured data through the transmission interface One of the policyholder data, the policyholder’s insurance history data; the processor checks the selected policy data and the policyholder’s insurance history data, and calculates a premium; the processor sends out the selected policy including the selected policy Data, the insurance policy history data of the insured, and one of the insurance premiums; the processor receives the electronically signed insurance premiums through the transmission interface; and the processor sends out the insurance through the transmission interface The premium, the randomness verification code and the backfill verification screen. For example, the backfill verification method of claim 8 or 9, wherein the verification step includes the following steps: the processor sends out one of the insurance transaction data of the insurance data through the transmission interface; the processor passes The transmission interface receives one of the selected items in the policy transaction data and the selected policy transaction data; the processor sends out a correction request including the policy transaction data through the transmission interface; the processor passes the transmission interface Receiving the approval application electronically signed; and sending the selected policy transaction data, the randomness verification code and the backfill verification screen by the processor through the transmission interface. For example, the backfill verification method of claim 8 or 9, wherein the verification step includes the following steps: the processor sends out a renewal application including the renewal amount of the insurance data through the transmission interface The processor receives the electronically signed renewal application through the transmission interface; and the processor sends the renewal amount, the randomness verification code and the backfill verification screen through the transmission interface. For example, the backfill verification method of claim 8 or 9, wherein the verification step includes the following steps: the processor sends out one of the insurance data claims information through the transmission interface; the processor passes the The transmission interface receives one of the items that have been selected for the claim data; the processor sends out a claim application including the claim data through the transmission interface; the processor receives the claim application that has been electronically signed Book; and the processor sends out the selected claim data, the randomness verification code and the backfill verification screen via the transmission interface. A recording medium storing a program. When a backfilling verification system loads the program on the recording medium and executes it, it can complete the method of any one of request items 8 to 14. A computer program product storing a program. When a backfill verification system loads the program in the computer program product and executes it, it can complete the method of any one of request items 8 to 14.

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