TWI688897B - Electronic signature method and electronic device - Google Patents
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Abstract
一種電子裝置的一處理單元用於控制一觸控顯示單元顯示一第一電子文件,且於接收到一第一簽名指令及一指示出一觸控簽名軌跡的觸控資料時產生一對應該觸控簽名軌跡的電子簽名,並將其置於該第一電子文件的至少一第一簽名欄位。然後,該處理單元控制該觸控顯示單元顯示一第二電子文件,且當該處理單元判定該第二電子文件的至少一第二簽名欄位可與該至少一第一簽名欄位共用該電子簽名時,該處理單元於接收到一第二簽名指令及一套用簽名指令時,複製置於該至少一第一簽名欄位的該電子簽名並將複製的該電子簽名置於該至少一第二簽名欄位。A processing unit of an electronic device is used to control a touch display unit to display a first electronic file, and generates a pair of touches when receiving a first signature instruction and a touch data indicating a touch signature track Control the electronic signature of the signature track and place it in at least one first signature field of the first electronic file. Then, the processing unit controls the touch display unit to display a second electronic file, and when the processing unit determines that at least one second signature field of the second electronic file can share the electronic with the at least one first signature field When signing, the processing unit, when receiving a second signature instruction and a set of signature instructions, copies the electronic signature placed in the at least one first signature field and places the copied electronic signature in the at least one second Signature field.
Description
本發明是有關於一種電子簽名方法,特別是指一種涉及電子裝置之觸控功能的電子簽名方法。本發明還關於能實施該電子簽名方法的一種電子裝置。The invention relates to an electronic signature method, in particular to an electronic signature method related to the touch function of an electronic device. The invention also relates to an electronic device capable of implementing the electronic signature method.
在簽訂保險契約時,為了符合相關法規的規定並確保要保人(及其他保險關係人)的權益,保險業務員必須引導要保人(及其他保險關係人)閱讀多份相關契約文件,並在該等契約文件上進行親筆簽名。When signing an insurance contract, in order to comply with the relevant regulations and ensure the rights and interests of the insurer (and other insurance related parties), the insurance salesperson must guide the insurer (and other insurance related parties) to read multiple relevant contract documents, and Autograph the contract documents.
近年來,由於科技的進步及環保意識抬頭,保險契約的相關文件已逐漸由紙本發展成以電子裝置顯示的無紙化電子文件,而要保人則改以藉電子裝置的觸控功能對電子文件進行電子簽名,以節省紙張的使用量。In recent years, due to the advancement of technology and the rise of environmental awareness, the relevant documents of insurance contracts have gradually evolved from paper to paperless electronic documents displayed on electronic devices. Electronic documents are electronically signed to save paper usage.
但是,每一份保險契約電子文件均存在一或多個需簽名的欄位,因此在簽訂契約的過程中,要保人必須進行多次的電子簽名,而使得簽訂契約的過程冗長耗時,相當不便。However, each insurance contract electronic document has one or more fields that need to be signed. Therefore, in the process of signing the contract, the insurer must make multiple electronic signatures, which makes the process of signing the contract lengthy and time-consuming. Quite inconvenient.
因此,本發明之其中一目的,在於提供一種能改善現有電子簽名技術之不便的電子簽名方法。Therefore, one of the objects of the present invention is to provide an electronic signature method that can improve the inconvenience of the existing electronic signature technology.
於是,本發明電子簽名方法由一電子裝置實施,該電子裝置包含一觸控顯示單元,以及一電連接該觸控顯示單元的處理單元,該電子簽名方法包含下列步驟:(A)該處理單元控制該觸控顯示單元顯示包含至少一第一簽名欄位的一第一電子文件的至少部分;(B)當該處理單元先接收到一由該觸控顯示單元所產生且對應該至少一第一簽名欄位的第一簽名指令,再接收到一由該觸控顯示單元所產生且指示出一觸控簽名軌跡的觸控資料時,該處理單元根據該觸控資料產生一對應該觸控簽名軌跡的電子簽名,並根據該第一簽名指令將該電子簽名置於該至少一第一簽名欄位;(C)該處理單元控制該觸控顯示單元顯示包含至少一第二簽名欄位的一第二電子文件的至少部分;(D)該處理單元判定該至少一第二簽名欄位可與該至少一第一簽名欄位共用該電子簽名時,當該處理單元先接收到一由該觸控顯示單元所產生且對應該至少一第二簽名欄位的第二簽名指令,再接收到一由該觸控顯示單元所產生的套用簽名指令時,該處理單元複製置於該至少一第一簽名欄位的該電子簽名,並根據該第二簽名指令將複製的該電子簽名置於該至少一第二簽名欄位。Therefore, the electronic signature method of the present invention is implemented by an electronic device including a touch display unit and a processing unit electrically connected to the touch display unit. The electronic signature method includes the following steps: (A) the processing unit Controlling the touch display unit to display at least a part of a first electronic file including at least a first signature field; (B) when the processing unit first receives a signal generated by the touch display unit and corresponds to at least a first A first signature instruction in a signature field, and then receiving a touch data generated by the touch display unit and indicating a touch signature track, the processing unit generates a corresponding touch according to the touch data An electronic signature of the signature track, and place the electronic signature in the at least one first signature field according to the first signature instruction; (C) the processing unit controls the touch display unit to display the at least one second signature field At least part of a second electronic document; (D) when the processing unit determines that the at least one second signature field can share the electronic signature with the at least one first signature field, when the processing unit first receives a When a second signature command generated by the touch display unit and corresponding to at least one second signature field is received, and then an applied signature command generated by the touch display unit is received, the processing unit copies and places it in the at least one first The electronic signature in a signature field, and placing the copied electronic signature in the at least one second signature field according to the second signature instruction.
在本發明電子簽名方法的一些實施態樣中,該電子裝置還包含一電連接該處理單元且儲存至少二關係人姓名的儲存單元,且該至少一第一簽名欄位及該至少一第二簽名欄位各對應於該等關係人姓名的其中一者,在步驟(D)中,該處理單元於判斷出該至少一第二簽名欄位所對應的該關係人姓名與該至少一第一簽名欄位對應的該關係人姓名相同時,判定該至少一第二簽名欄位可與該至少一第一簽名欄位共用該電子簽名。In some embodiments of the electronic signature method of the present invention, the electronic device further includes a storage unit electrically connected to the processing unit and storing at least two related person names, and the at least one first signature field and the at least one second Each signature field corresponds to one of the names of the related persons. In step (D), the processing unit determines the name of the related person corresponding to the at least one second signature field and the at least one first When the name of the related person corresponding to the signature field is the same, it is determined that the at least one second signature field can share the electronic signature with the at least one first signature field.
在本發明電子簽名方法的一些實施態樣中,在步驟(A)中,該處理單元是在接收到一由該觸控顯示單元所產生且對應該第一電子文件的第一開啟指令時,才控制該觸控顯示單元顯示該第一電子文件的該至少部分;在步驟(C)中,該處理單元是在接收到一由該觸控顯示單元所產生且對應該第二電子文件的第二開啟指令,且判斷出該第一電子文件的該至少一第一簽名欄位已存在該電子簽名時,才控制該觸控顯示單元顯示該第二電子文件的該至少部分。In some implementation aspects of the electronic signature method of the present invention, in step (A), the processing unit receives a first opening command generated by the touch display unit and corresponding to the first electronic file, Before controlling the touch display unit to display the at least part of the first electronic file; in step (C), the processing unit receives a second file generated by the touch display unit and corresponding to the second electronic file. Two open commands, and when it is determined that the electronic signature already exists in the at least one first signature field of the first electronic document, the touch display unit is controlled to display the at least part of the second electronic document.
在本發明電子簽名方法的一些實施態樣中,在步驟(A)中,該第一簽名欄位的數量為多個,在步驟(B)中,該處理單元一次性地將該電子簽名分別置於該等第一簽名欄位。In some implementation aspects of the electronic signature method of the present invention, in step (A), the number of the first signature field is multiple, and in step (B), the processing unit separates the electronic signatures at one time Placed in these first signature fields.
在本發明電子簽名方法的一些實施態樣中,在步驟(C)中,該第二簽名欄位的數量為多個,在步驟(D)中,該處理單元一次性地將複製的該電子簽名分別置於該等第二簽名欄位。In some implementation aspects of the electronic signature method of the present invention, in step (C), the number of the second signature field is multiple, and in step (D), the processing unit copies the electronic The signatures are placed in these second signature fields.
在本發明電子簽名方法的一些實施態樣中,在步驟(A)中,該處理單元是控制該觸控顯示單元首先顯示該第一電子文件的一頂端部分,且該至少一第一簽名欄位是鄰近於該第一電子文件的一底端部分並處於一限制選取狀態;且該電子簽名方法還包含介於步驟(A)與步驟(B)之間的下列步驟:(E)當該處理單元根據該觸控顯示單元所受到的操作而控制該觸控顯示單元顯示該第一電子文件的該底端部分時,該處理單元將該至少一第一簽名欄位由該限制選取狀態切換為一開放選取狀態;(F)於該至少一第一簽名欄位處於該開放選取狀態的情形下,當該觸控顯示單元偵測到該第一簽名欄位被選取時,產生該第一簽名指令並將該第一簽名指令輸出至該處理單元;在步驟(C)中,該處理單元是控制該觸控顯示單元首先顯示該第二電子文件的一頂端部分,且該至少一第二簽名欄位是位於該第二電子文件的一底端部分並處於該限制選取狀態;且該電子簽名方法還包含介於步驟(C)與步驟(D)之間的下列步驟:(G)當該處理單元根據該觸控顯示單元所受到的操作而控制該觸控顯示單元顯示該第二電子文件的該底端部分時,該處理單元將該至少一第二簽名欄位由該限制選取狀態切換為該開放選取狀態;(H)於該至少一第二簽名欄位處於該開放選取狀態的情形下,當該觸控顯示單元偵測到該第二簽名欄位被選取時,產生該第二簽名指令並將該第二簽名指令輸出至該處理單元。In some embodiments of the electronic signature method of the present invention, in step (A), the processing unit controls the touch display unit to first display a top portion of the first electronic file, and the at least one first signature field The bit is adjacent to a bottom portion of the first electronic document and is in a restricted selection state; and the electronic signature method further includes the following steps between step (A) and step (B): (E) when the When the processing unit controls the touch display unit to display the bottom portion of the first electronic file according to the operation on the touch display unit, the processing unit switches the at least one first signature field from the restricted selection state Is an open selection state; (F) when the at least one first signature field is in the open selection state, when the touch display unit detects that the first signature field is selected, the first signature field is generated Signing instructions and outputting the first signing instructions to the processing unit; in step (C), the processing unit controls the touch display unit to first display a top portion of the second electronic file, and the at least one second The signature field is located at a bottom portion of the second electronic document and is in the restricted selection state; and the electronic signature method further includes the following steps between step (C) and step (D): (G) When the processing unit controls the touch display unit to display the bottom end portion of the second electronic file according to the operation on the touch display unit, the processing unit selects the at least one second signature field from the restricted selection state Switch to the open selection state; (H) When the at least one second signature field is in the open selection state, when the touch display unit detects that the second signature field is selected, the first Two signature instructions and output the second signature instruction to the processing unit.
本發明之另一目的,在於提供能實施該電子簽名方法的一種電子裝置。Another object of the present invention is to provide an electronic device capable of implementing the electronic signature method.
本發明電子裝置包含一觸控顯示單元及一處理單元。該處理單元電連接該觸控顯示單元,用於控制該觸控顯示單元顯示包含至少一第一簽名欄位的一第一電子文件的至少部分,且當該處理單元先接收到一由該觸控顯示單元所產生且對應該至少一第一簽名欄位的第一簽名指令,再接收到一由該觸控顯示單元所產生且指示出一觸控簽名軌跡的觸控資料時,該處理單元根據該觸控資料產生一對應該觸控簽名軌跡的電子簽名,並根據該第一簽名指令將該電子簽名置於該至少一第一簽名欄位,且該處理單元控制該觸控顯示單元顯示包含至少一第二簽名欄位的一第二電子文件的至少部分,且當該處理單元判定該至少一第二簽名欄位可與該至少一第一簽名欄位共用該電子簽名時,該處理單元於先接收到一由該觸控顯示單元所產生且對應該至少一第二簽名欄位的第二簽名指令,再接收到一由該觸控顯示單元所產生的套用簽名指令時,複製置於該至少一第一簽名欄位的該電子簽名,並根據該第二簽名指令將複製的該電子簽名置於該至少一第二簽名欄位。The electronic device of the present invention includes a touch display unit and a processing unit. The processing unit is electrically connected to the touch display unit for controlling the touch display unit to display at least a portion of a first electronic file including at least a first signature field, and when the processing unit first receives a When the first signature command generated by the control display unit and corresponding to at least one first signature field, and then receives a touch data generated by the touch display unit and indicating a touch signature track, the processing unit Generate a pair of electronic signatures corresponding to the touch signature track according to the touch data, and place the electronic signature in the at least one first signature field according to the first signature instruction, and the processing unit controls the touch display unit to display At least part of a second electronic document containing at least a second signature field, and when the processing unit determines that the at least one second signature field can share the electronic signature with the at least one first signature field, the processing When the unit first receives a second signature command generated by the touch display unit and corresponds to at least one second signature field, and then receives a apply signature command generated by the touch display unit, the copy setting The electronic signature in the at least one first signature field, and placing the copied electronic signature in the at least one second signature field according to the second signature instruction.
在本發明電子裝置的一些實施態樣中,該電子裝置還包含一電連接該處理單元且儲存至少二關係人姓名的儲存單元,且該至少一第一簽名欄位及該至少一第二簽名欄位各對應於該等關係人姓名的其中一者,且該處理單元於判斷出該至少一第二簽名欄位所對應的該關係人姓名與該至少一第一簽名欄位所對應的該關係人姓名相同時,判定該至少一第二簽名欄位可與該至少一第一簽名欄位共用該電子簽名。In some embodiments of the electronic device of the present invention, the electronic device further includes a storage unit that is electrically connected to the processing unit and stores at least two related person names, and the at least one first signature field and the at least one second signature Each field corresponds to one of the names of the related persons, and the processing unit determines that the name of the related person corresponding to the at least one second signature field and the corresponding to the at least one first signature field When the names of the related persons are the same, it is determined that the at least one second signature field can share the electronic signature with the at least one first signature field.
在本發明電子裝置的一些實施態樣中,該處理單元是在接收到一由該觸控顯示單元所產生且對應該第一電子文件的第一開啟指令時,才控制該觸控顯示單元顯示該第一電子文件的該至少部分;且該處理單元是在接收到一由該觸控顯示單元所產生且對應該第二電子文件的第二開啟指令,且判斷出該第一電子文件的該至少一第一簽名欄位已存在該電子簽名時,才控制該觸控顯示單元顯示該第二電子文件的該至少部分。In some embodiments of the electronic device of the present invention, the processing unit controls the touch display unit to display only when it receives a first opening command generated by the touch display unit and corresponding to the first electronic file The at least part of the first electronic file; and the processing unit is receiving a second opening command generated by the touch display unit and corresponding to the second electronic file, and determining the first electronic file Only when the electronic signature already exists in at least one first signature field, the touch display unit is controlled to display the at least part of the second electronic file.
在本發明電子裝置的一些實施態樣中,該第一簽名欄位的數量為多個,且該處理單元於接收到該觸控資料時,是一次性地將該電子簽名分別置於該等第一簽名欄位。In some embodiments of the electronic device of the present invention, the number of the first signature field is multiple, and when the processing unit receives the touch data, the electronic signature is placed in the The first signature field.
在本發明電子裝置的一些實施態樣中,該第二簽名欄位的數量為多個,且該處理單元於接收到該套用簽名指令時,是一次性地將複製的該電子簽名分別置於該等第二簽名欄位。In some implementations of the electronic device of the present invention, the number of the second signature field is multiple, and when the processing unit receives the applied signature instruction, the copied electronic signature is placed in These second signature fields.
在本發明電子裝置的一些實施態樣中,該處理單元是控制該觸控顯示單元首先顯示該第一電子文件的一頂端部分,且該至少一第一簽名欄位是鄰近於該第一電子文件的一底端部分並處於一限制選取狀態,當該處理單元根據該觸控顯示單元所受到的操作而控制該觸控顯示單元顯示該第一電子文件的該底端部分時,該處理單元將該至少一第一簽名欄位由該限制選取狀態切換為一開放選取狀態,並且,於該至少一第一簽名欄位處於該開放選取狀態的情形下,當該觸控顯示單元偵測到該第一簽名欄位被選取時,產生該第一簽名指令並將該第一簽名指令輸出至該處理單元;在該處理單元將該電子簽名置於該至少一第一簽名欄位後,該處理單元是控制該觸控顯示單元首先顯示該第二電子文件的一頂端部分,且該至少一第二簽名欄位是位於該第二電子文件的一底端部分並處於該限制選取狀態,當該處理單元根據該觸控顯示單元所受到的操作而控制該觸控顯示單元顯示該第二電子文件的該底端部分時,該處理單元將該至少一第二簽名欄位由該限制選取狀態切換為該開放選取狀態,並且,於該至少一第二簽名欄位處於該開放選取狀態的情形下,當該觸控顯示單元偵測到該第二簽名欄位被選取時,產生該第二簽名指令並將該第二簽名指令輸出至該處理單元。In some embodiments of the electronic device of the present invention, the processing unit controls the touch display unit to first display a top portion of the first electronic file, and the at least one first signature field is adjacent to the first electronic A bottom portion of the file is in a limited selection state, and when the processing unit controls the touch display unit to display the bottom portion of the first electronic file according to the operation on the touch display unit, the processing unit Switching the at least one first signature field from the restricted selection state to an open selection state, and, when the at least one first signature field is in the open selection state, when the touch display unit detects When the first signature field is selected, the first signature instruction is generated and the first signature instruction is output to the processing unit; after the processing unit places the electronic signature in the at least one first signature field, the The processing unit controls the touch display unit to first display a top portion of the second electronic document, and the at least one second signature field is located at a bottom portion of the second electronic document and is in the restricted selection state when When the processing unit controls the touch display unit to display the bottom end portion of the second electronic file according to the operation on the touch display unit, the processing unit selects the at least one second signature field from the restricted selection state Switch to the open selection state, and in the case where the at least one second signature field is in the open selection state, when the touch display unit detects that the second signature field is selected, the second signature field is generated Sign the instruction and output the second signing instruction to the processing unit.
本發明之功效在於:該電子簽名方法能在簽訂保險契約時,有效地減少要保人對該第一電子文件及該第二電子文件進行電子簽名的次數及時間,不但能有效提升要保人對保險契約簽署過程的服務滿意度,同時也能提升保險業務員的產能。該電子簽名方法能降低要保人在簽署保險契約時操作該電子裝置的認知負擔,使該電子裝置所顯示的人機介面相較於現有技術更有效率。The effect of the present invention is that the electronic signature method can effectively reduce the number and time of the electronic signature of the first electronic file and the second electronic file by the insurer when signing the insurance contract, and not only can effectively improve the insurer Satisfaction with service in the process of signing insurance contracts can also increase the productivity of insurance salesmen. The electronic signature method can reduce the cognitive burden on the insured person to operate the electronic device when signing the insurance contract, so that the human-machine interface displayed on the electronic device is more efficient than the prior art.
參閱圖1,本發明電子裝置1之一實施例主要包含一觸控顯示單元11、一儲存單元12,以及一電連接該觸控顯示單元11及該儲存單元12的處理單元13。且在本實施例中,該電子裝置1是用於供一保險業務員面對面地引導一要保人簽訂一保險契約為例,但不在此限。Referring to FIG. 1, an embodiment of the electronic device 1 of the present invention mainly includes a
在本實施例中,該電子裝置1例如被實施為一智慧型平板電腦(或智慧型手機),而該觸控顯示單元11則例如被實施為一觸控螢幕,但不以此為限。在其他實施例中,該電子裝置1也可例如被實施為一筆記型電腦,則該觸控顯示單元11可例如是由一顯示螢幕及一手寫板所構成,但不以此為限。In this embodiment, the electronic device 1 is implemented as a smart tablet computer (or smart phone), and the
在本實施例中,該儲存單元12儲存相關於該保險契約的一第一電子文件、一第二電子文件,以及兩個關係人姓名。該第一電子文件例如為該保險契約中的一人身保險要保書,該第二電子文件例如為該保險契約中的一全民健康保險重要事項告知書,而該兩關係人姓名例如分別作為該保險契約中的一要保人姓名及一被保人姓名,但不以此為限。In this embodiment, the
該要保人姓名及該被保人姓名例如是事先由該保險業務員以打字的方式經由該觸控顯示單元11輸入,並由該處理單元13將該兩關係人姓名儲存於該儲存單元12。須說明的是,在保險契約中,該要保人姓名及該被保人姓名可為相同或不同(亦即要保人及被保人可為同一人或不同人)。為了便於說明,本實施例以該要保人姓名與該被保人姓名相同為例,但不以此為限。此外,在其他實施例中,該等關係人姓名的數量也可為三個或更多,且可例如包含該保險契約中的一法定代理人姓名、一眷屬姓名或者一授權人姓名等,而不以本實施例為限。The name of the insured person and the name of the insured person are input by the insurance salesperson through the
該第一電子文件包含例如兩個第一簽名欄位,該兩個第一簽名欄位例如是鄰近於該第一電子文件的一底端部分(例如是該第一電子文件的最後一頁的底端),且分別作為該第一電子文件中對應該要保人姓名的一第一要保人簽名欄位,以及一對應該被保人姓名的第一被保人簽名欄位,而且,該第一要保人簽名欄位及該第一被保人簽名欄位皆被預設為一無法經由該觸控顯示單元11被選取的限制選取狀態,但不以此為限。The first electronic file includes, for example, two first signature fields, for example, the two first signature fields are adjacent to a bottom end portion of the first electronic file (for example, the last page of the first electronic file) Bottom), and as the first insured person’s signature field in the first electronic file corresponding to the insured’s name, and the pair of insured person’s first insured person’s signature fields, and, The first insured person's signature field and the first insured person's signature field are both preset to a restricted selection state that cannot be selected through the
該第二電子文件包含例如兩個第二簽名欄位,該兩第二簽名欄位例如是鄰近於該第二電子文件的一底端部分(例如是該第二電子文件的最後一頁的底端),且分別作為該第二電子文件中對應該要保人姓名的一第二要保人簽名欄位,以及一對應該被保人姓名的第二被保人簽名欄位,而且,該第二要保人簽名欄位及該第二被保人簽名欄位亦皆被預設為無法經由該觸控顯示單元11被選取的該限制選取狀態,但不以此為限。The second electronic file includes, for example, two second signature fields, for example, the two second signature fields are adjacent to a bottom end portion of the second electronic file (for example, the bottom of the last page of the second electronic file End), and as a second insured signature field in the second electronic file corresponding to the insured name, and a pair of insured signature fields in the second insured name, and, the The second insured signature field and the second insured signature field are both preset to the restricted selection state that cannot be selected through the
具體來說,該第一電子文件中的該第一要保人簽名欄位及該第二電子文件中的該第二要保人簽名欄位皆是用於置入該保險契約之要保人的電子簽名,而該第一電子文件中的該第一被保人簽名欄位及該第二電子文件中的該第一被保人簽名欄位則皆是用於置入該保險契約之被保人的電子簽名。值得注意的是,在該儲存單元12儲存該要保人姓名及該被保人姓名時,該處理單元13能自動地判斷出該第一要保人簽名欄位及該第二要保人簽名欄位皆對應於該要保人姓名,而判定該第二要保人簽名欄位可與該第一要保人簽名欄位共用同一個要保人電子簽名。類似地,該處理單元13也能自動地判斷出該第一被保人簽名欄位及該第二被保人簽名欄位皆對應於該被保人姓名,而判定該第二被保人簽名欄位可與該第一被保人簽名欄位共用同一個被保人電子簽名。更進一步地,由於在本實施例中該要保人姓名與該被保人姓名相同,因此,該處理單元13更判定該第一要保人簽名欄位及該第一被保人簽名欄位可共用該要(被)保人電子簽名、該第二要保人簽名欄位及該第二被保人簽名欄位可共用該要(被)保人電子簽名,以及該第二要保人簽名欄位及該第二被保人簽名欄位可與該第一要(被)保人簽名欄位共用該要(被)保人電子簽名。Specifically, the signature field of the first guarantor in the first electronic file and the signature field of the second guarantor in the second electronic file are both guarantors for placing the insurance contract Electronic signature, and the first insured’s signature field in the first electronic file and the first insured’s signature field in the second electronic file are both used to place the insurance contract. Guarantor's electronic signature. It is worth noting that when the
補充說明的是,在其他實施例中,該第一電子文件也可例如為一外幣不分紅保險要保書或者其他保險商品的要保書,而該第二電子文件也可例如為一金融控股公司之子公司資料運用聲明書、一保險契約審閱期間確認聲明書、一美國海外帳戶稅收遵循法案說明書、一信用卡付款授權書、一自動轉帳付款授權書,或者一財務狀況告知書。並且,根據所欲簽訂之保險契約的種類不同,該儲存單元12還可更儲存前述所舉例的各類文件並作為一第三電子文件至一第N(N≧4)電子文件。此外,該第一電子文件及該第二電子文件中也可分別具有被作為一法定代理人簽名欄位、一眷屬簽名欄位,或者一授權人簽名欄位等的一第三簽名欄位、一第四簽名欄位及一第五簽名欄位,而不以本實施例為限。It is added that in other embodiments, the first electronic file may also be, for example, a foreign currency non-dividend insurance guarantee or other insurance products, and the second electronic file may also be a financial holding, for example. The company's subsidiary information application statement, an insurance contract review period confirmation statement, a U.S. overseas account tax compliance statement, a credit card payment authorization, an automatic transfer payment authorization, or a financial status notification. In addition, according to the type of insurance contract to be signed, the
配合參閱圖2(圖2a及圖2b),以下說明本實施例的該電子裝置1如何對上述的該第一電子文件及該第二電子文件實施本發明的一電子簽名方法。With reference to FIG. 2 (FIG. 2a and FIG. 2b), the following describes how the electronic device 1 of this embodiment implements the electronic signature method of the present invention on the first electronic file and the second electronic file described above.
首先,該電子裝置1的該處理單元13根據人為操作,令該觸控顯示單元11顯示一第一電子文件圖示及一第二電子文件圖示供選取,然後,該觸控顯示單元11進行步驟S1,偵測其所顯示的該第一電子文件圖式是否被選取。當該觸控顯示單元11偵測到該第一電子文件圖示被選取時,該觸控顯示單元11產生並輸出一對應該第一電子文件的第一開啟指令至該處理單元13。接著,進行步驟S2。First, the
在步驟S2中,當處理單元13接收到來自該觸控顯示單元11的該第一開啟指令時,根據該第一開啟指令控制該觸控顯示單元11首先顯示該第一電子文件的一頂端部分。該第一電子文件的該頂端部分可例如為該第一電子文件的第一頁,而指示出該第一電子文件的標題、目錄等內容,但不以此為限。接著,進行步驟S3。In step S2, when the
在步驟S3中,當該觸控顯示單元11受到人為的觸控瀏覽操作(例如用於翻頁或者捲動畫面的操作)時,該處理單元13根據該觸控顯示單元11所受到的觸控瀏覽操作,控制該觸控顯示單元11顯示該第一電子文件之該頂端部分以下的內容,以供該要保人瀏覽該第一電子文件內的契約內容。直到該處理單元13根據該觸控顯示單元11所受到的觸控瀏覽操作而控制該觸控顯示單元11顯示該第一電子文件的該底端部分時,該處理單元13才將該第一要保人簽名欄位及該第一被保人簽名欄位由該限制選取狀態切換為一開放選取狀態,以致該第一要保人簽名欄位及該第一被保人簽名欄位可經由該觸控顯示單元11被人為的觸控選取操作所選取。接著,進行步驟S4。In step S3, when the
在步驟S4中,於該第一要保人簽名欄位及該第一被保人簽名欄位處於該開放選取狀態的情形下,當該觸控顯示單元11偵測到該第一要保人簽名欄位及該第一被保人簽名欄位的其中一者被選取時,產生一對應該第一要保人簽名欄位及該第一被保人簽名欄位之其中該者的第一簽名指令,並將該第一簽名指令輸出至該處理單元13。接著,進行步驟S5。In step S4, when the first insured person’s signature field and the first insured person’s signature field are in the open selection state, when the
在步驟S5中,當該處理單元13接收到該第一簽名指令,且還接收到一由該觸控顯示單元11所產生且指示出一觸控簽名軌跡的觸控資料時,該處理單元13根據該觸控資料產生一對應該觸控簽名軌跡的電子簽名,並根據該第一簽名指令一次性地將該電子簽名分別置於該第一要保人簽名欄位及該第一被保人簽名欄位。如此一來,在要保人同時為被保人的情況下,要保人只需對該觸控顯示單元11進行單次的電子簽名操作,即可完成對該第一要保人簽名欄位及該第一被保人簽名欄位的電子簽名,而能減少要保人的簽名次數及簽名時間。而且,若該第一電子文件中該第一要保人簽名欄位及該第一被保人簽名欄位的數量各為多個,則本步驟減少要保人之簽名次數與時間的功效將更為顯著。In step S5, when the
補充說明的是,在其他實施例中,若該第一要保人簽名欄位及該第一被保人簽名欄位所對應的關係人姓名彼此不同(亦即要保人及被保人為不同人),則該處理單元13是先將該電子簽名置於該第一簽名指令所對應的該第一簽名欄位(例如是該第一要保人簽名欄位),且該處理單元13會在接收到對應該第一被保人簽名欄位的另一第一簽名指令,以及指示出另一觸控簽名軌跡的另一觸控資料時,才根據另該觸控資料產生另一電子簽名,並根據該另一第一簽名指令將另該電子簽名置於該第一被保人簽名欄位。接著,進行步驟S6。It is added that in other embodiments, if the first person-insured’s signature field and the first insured’s signature field correspond to different names of related parties (that is, the insured and the insured are different Person), the
在步驟S6中,當該觸控顯示單元11偵測到其所顯示的該第二電子文件圖示被選取時,產生並輸出一對應該第二電子文件的第二開啟指令至該處理單元13。接著,進行步驟S7。In step S6, when the
在步驟S7中,當處理單元13接收到來自該觸控顯示單元11的該第二開啟指令,且判斷出該第一電子文件的該第一要保人簽名欄位及該第一被保人簽名欄位皆已存在該電子簽名時,根據該第二開啟指令控制該觸控顯示單元11首先顯示該第二電子文件的一頂端部分。該第二電子文件的該頂端部分類似於該第一電子文件的該頂端部分,並例如為該第二電子文件的第一頁,而指示出該第二電子文件的標題、目錄等內容,但不以此為限。接著,進行步驟S8。In step S7, when the
在步驟S8中,當該觸控顯示單元11受到人為的觸控瀏覽操作時,該處理單元13根據該觸控顯示單元11所受到的觸控瀏覽操作,控制該觸控顯示單元11顯示該第二電子文件之該頂端部分以下的內容,以供該要保人瀏覽該第二電子文件內的契約內容。直到該處理單元13根據該觸控顯示單元11所受到的觸控瀏覽操作而控制該觸控顯示單元11顯示該第二電子文件的該底端部分時,該處理單元13才將該第二要保人簽名欄位及該第二被保人簽名欄位由該限制選取狀態切換為該開放選取狀態,以致該第二要保人簽名欄位及該第二被保人簽名欄位可經由該觸控顯示單元11被人為的觸控選取操作所選取。接著,進行步驟S9。In step S8, when the
在步驟S9中,於該第二要保人簽名欄位及該第二被保人簽名欄位處於該開放選取狀態的情形下,當該觸控顯示單元11偵測到該第二要保人簽名欄位及該第二被保人簽名欄位的其中一者被選取時,產生一對應該第二要保人簽名欄位及該第二被保人簽名欄位之其中該者的第二簽名指令,並將該第二簽名指令輸出至該處理單元13。接著,進行步驟S10。In step S9, when the second insured signature field and the second insured signature field are in the open selection state, when the
在步驟S10中,在該處理單元13已判定該第二要保人簽名欄位及該第二被保人簽名欄位可與該第一要(被)保人簽名欄位共用該要(被)保人電子簽名的情形下,當該處理單元13先接收到該第二簽名指令,再接收到一由該觸控顯示單元11所產生的套用簽名指令時,該處理單元13複製該第一電子文件中置於該第一要保人簽名欄位或該第一被保人簽名欄位中的該電子簽名,並且一次性地將複製的該電子簽名分別置於該第二要保人簽名欄位及該第二被保人簽名欄位。在本實施例中,該套用簽名指令是藉該觸控顯示單元11所顯示的一套用簽名選項受到人為的點選操作時所產生,但不在此限。如此一來,在要保人同時為被保人的情況下,要保人只需對該第二電子文件進行單次的電子簽名操作,即可完成對該第二要保人簽名欄位及該第二被保人簽名欄位的簽名。而且,若該第二電子文件中該第二要保人簽名欄位及該第二被保人簽名欄位的數量各為多個,則本步驟減少要保人之簽名次數時間的功效將更為顯著。In step S10, the
補充說明的是,在該儲存單元12還儲存有該第三電子文件至該第N電子文件的其他實施例中,藉由實施本發明的該電子簽名方法,第三電子文件至該第N電子文件的每一者皆能如本實施例的該第二電子文件一般地直接套用該第一電子文件中的該電子簽名。It is added that in other embodiments where the
綜上所述,本實施例的該電子裝置1藉由實施該電子簽名方法,能有效地減少要保人對該第一電子文件及該第二電子文件進行電子簽名的次數及時間,尤其在要保人與被保人為同一人,且要保人簽名欄位及被保人簽名欄位的數量愈多時,更能突顯出該電子簽名方法省力省時的功效。根據估計,該電子簽名方法可減少要保人至多6次的簽名動作並節省約15分鐘的保險契約簽署時間,不但能有效提升要保人對保險契約簽署過程的服務滿意度,同時也能提升保險業務員約3%的產能。本實施例所實施的該電子簽名方法能降低要保人在簽署保險契約時操作該電子裝置1的認知負擔,使該電子裝置1所顯示的人機介面相較於現有技術更有效率,故確實能達成本發明之目的。In summary, by implementing the electronic signature method, the electronic device 1 of this embodiment can effectively reduce the number and time of requiring the insured person to electronically sign the first electronic file and the second electronic file, especially in If the insured and the insured are the same person, and the number of the insured's signature field and the insured's signature field is greater, the effect of the electronic signature method on labor saving and time saving can be more prominent. According to estimates, this electronic signature method can reduce the number of signatures required by the insurer up to 6 times and save about 15 minutes of insurance contract signing time, which can not only effectively increase the service satisfaction of the insurer with the insurance contract signing process, but also improve About 3% of the production capacity of insurance salesmen. The electronic signature method implemented in this embodiment can reduce the cognitive burden of requiring the insured to operate the electronic device 1 when signing the insurance contract, so that the human-machine interface displayed by the electronic device 1 is more efficient than the prior art, so It can indeed achieve the purpose of cost invention.
惟以上所述者,僅為本發明之實施例而已,當不能以此限定本發明實施之範圍,凡是依本發明申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本發明專利涵蓋之範圍內。However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still classified as This invention covers the patent.
1‧‧‧電子裝置11‧‧‧觸控顯示單元12‧‧‧儲存單元13‧‧‧處理單元S1~S10‧‧‧步驟
1‧‧‧
本發明之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是本發明電子裝置之一實施例的一方塊圖;及 圖2(圖2a及圖2b)是一流程圖,示例性地說明該實施例如何實施本發明的一電子簽名方法。Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a block diagram of an embodiment of the electronic device of the present invention; and FIG. 2 (FIGS. 2a and 2b) It is a flowchart illustrating how this embodiment implements an electronic signature method of the present invention.
1‧‧‧電子裝置 1‧‧‧Electronic device
11‧‧‧觸控顯示單元 11‧‧‧Touch display unit
12‧‧‧儲存單元 12‧‧‧Storage unit
13‧‧‧處理單元 13‧‧‧Processing unit
Claims (6)
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TW107115886A TWI688897B (en) | 2018-05-10 | 2018-05-10 | Electronic signature method and electronic device |
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TW107115886A TWI688897B (en) | 2018-05-10 | 2018-05-10 | Electronic signature method and electronic device |
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TWI688897B true TWI688897B (en) | 2020-03-21 |
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Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
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TW201635187A (en) * | 2015-03-17 | 2016-10-01 | 蒙恬科技股份有限公司 | Cross-platform electronic document and signed data integration method and system |
TWM541072U (en) * | 2017-01-10 | 2017-05-01 | 國泰世紀產物保險股份有限公司 | Device for insurance sales |
TWM549393U (en) * | 2017-04-19 | 2017-09-21 | 國泰世紀產物保險股份有限公司 | Device and system for insurance claim |
TW201814580A (en) * | 2016-10-14 | 2018-04-16 | 雲想科技股份有限公司 | Electronic signature method with anti-counterfeiting function capable of confirming that the aforementioned signature is surely from an expected signer and using encrypted verification values to prevent a file from being falsified |
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Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
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TW201635187A (en) * | 2015-03-17 | 2016-10-01 | 蒙恬科技股份有限公司 | Cross-platform electronic document and signed data integration method and system |
TW201814580A (en) * | 2016-10-14 | 2018-04-16 | 雲想科技股份有限公司 | Electronic signature method with anti-counterfeiting function capable of confirming that the aforementioned signature is surely from an expected signer and using encrypted verification values to prevent a file from being falsified |
TWM541072U (en) * | 2017-01-10 | 2017-05-01 | 國泰世紀產物保險股份有限公司 | Device for insurance sales |
TWM549393U (en) * | 2017-04-19 | 2017-09-21 | 國泰世紀產物保險股份有限公司 | Device and system for insurance claim |
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