TWM626928U - Online insurance approval system - Google Patents

Abstract

An online insurance approval system includes an insurance database, a terminal device and a comparing unit. The insurance database is configured to store an insurance data of an insurance policy and a client data of a customer, and the insurance data includes the client data. The terminal device includes an image capturing unit and an image analyzing unit. The image capturing unit is configured to capture a real-time image when a signatory signs the insurance policy. The image analyzing unit is configured to analyze the real-time image by a characteristic model to generate an insurance policy signature image. The comparing unit is configured to compare the insurance policy signature image and the client data. The comparing unit determines the signatory as the customer when the insurance policy signature image matches with the client data.

Description

Online Insurance Approval System

The present creation relates to an online insurance application sign-off system, and in particular, an online insurance application sign-off system that can confirm the identity of the signatories of an insurance policy to improve efficiency and security.

The purpose of insurance is to provide material compensation to the few who suffer from misfortune through the power of the majority to minimize their losses. The main expenditure of the insurance industry is labor costs. In the conventional insurance application process, the insurance salesman of the insurance company will visit the customer in person to discuss the insurance application and sign the paper documents in person. With the development of technology and communication technology, online insurance has gradually emerged, and the government and insurance companies have also cooperated to relax the insurance certification standards. However, when a customer establishes an insurance policy by applying for insurance online, most of them still use the signature method of photocopying the policy document to confirm the insurance application, and then sending the signed policy document to the insurance company, which not only reduces the convenience and insurance coverage. willingness and increased costs. Further, because the customer applies for insurance online, and the insurance salesman does not meet the customer, the signed policy document received by the insurance company may be a substitute for a signature, forged documents, etc. to defraud insurance. Therefore, how to confirm that the policy document is personally signed by the customer is an open question.

Furthermore, most of the customer's policy documents are stored in the insurance company's policy database, but there is no protection mechanism for the policy documents. When the policy database is hacked by malicious people or hackers within the insurance company, the policy information in the policy database may be tampered with. therefore, The current solution is to upload the policy data of the policy database to the blockchain to prevent the policy data from being tampered with. However, the amount of data in the insurance policy database of insurance companies is very large. If all the data are uploaded to the blockchain, extremely high transaction fees and handling fees will be required, thereby increasing the cost. In addition, the blockchain has the characteristics of openness and transparency. The encrypted policy information is still at risk of being cracked, and it is difficult to protect the personal information of customers, thereby reducing security.

In view of this, this creation provides an online insurance signing and approval system to solve the problems of the prior art.

In a specific embodiment of the present invention, the online insurance application and approval system includes an insurance database, a terminal device, and a comparison unit. The insurance database is used to store the policy data of the insurance policy and the customer data of the customer, wherein the policy data includes the customer data. The terminal device includes an image capture unit and an image analysis unit. The image capturing unit is used for capturing a real-time image of a signer signing the insurance policy. The image analysis unit is connected to the image capture unit. The image analysis unit analyzes the real-time image with a feature model to generate a policy signing image. The policy signature image includes at least one of facial features, hand features and signature motion features. The comparison unit is connected to the insurance database and the terminal device. The comparison unit is used to compare the policy signature image and customer information. When the policy signing image matches the customer information, the comparison unit determines that the signer is the customer.

Wherein, the online insurance application and approval system of the present creation further includes an input device connected to an insurance database and a comparison unit. The policy data contains the identification code and the customer data contains the customer's signature. The input device is used to display the policy information and receive the content of the signer's signature. When the policy signature image contains the identification code and the signature content matches the customer's signature, the comparison unit determines that the signer is the customer.

Wherein, the terminal device further includes a warning device connected to the image analysis unit. Dangbao When the single signature image does not contain at least one of facial features, hand features, signature action features, identification code and signature content, the image analysis unit generates a warning signal, and the warning device generates a warning message according to the warning signal.

Wherein, after the comparison unit determines that the signer is the customer, the comparison unit stores the insurance signature image in the insurance database as the customer information of the customer.

Among them, the online insurance signing and approval system of this creation further includes a computing unit and an uploading unit. The computing unit is connected to the insurance data base and uses a hash function to calculate the policy data to generate a hash value. The uploading unit is connected to the computing unit and used to upload the hash value to the blockchain network.

Further, the online insurance application and approval system of the present creation includes a data verification unit connected to a computing unit. The data verification unit calculates the policy data to generate a verification hash value, and compares the verification hash value with the consistency of the hash value.

In a specific embodiment, the online insurance application and approval system of the present creation further includes a data compression and division unit and an uploading unit. The data compression and division unit is connected to the insurance database. The data compression and division unit is used for compressing policy data to generate policy compression files, and dividing the policy compression files to form a first policy compression file and a second policy compression file. The data compression and division unit stores the first policy compression file in the insurance database. The uploading unit is connected to the data compressing and dividing unit and is used for uploading the second policy compressed file to the blockchain network.

Further, the online insurance application and approval system of the present creation includes a data verification unit connected to a data compression and division unit. The data verification unit generates verification policy data according to the first policy compression file and the second policy compression file, and compares the verification policy data with the consistency of the policy data.

Wherein, the file bytes of the first policy compressed file are larger than the file bytes of the second policy compressed file.

Wherein, the input device is an electronic tablet.

To sum up, the online insurance signing system of this creation can judge whether the signature is completed by the customer himself by recording the video of the complete signing process, so as to avoid the situation of replacing the signature and forging documents, thereby improving the security and reducing the risk of customers and customers. The cost of trust among insurers. In addition, the online insurance signing and approval system of this creation can instantly determine whether the image of the signing process is correct and clear to photograph the signer and the signing documents through the image analysis unit and the warning device, thereby improving efficiency and practicability. Furthermore, the online insurance application and approval system of this creation can also achieve a paperless insurance application process through an input device, thereby improving convenience and reducing costs. In addition, the online insurance signing system of this creation can also protect the policy data and customer data in the insurance database by hashing the value, dividing the file and the blockchain network, thereby improving security.

1, 2, 3, 4: Online insurance signing system

11, 21, 31, 41: Insurance Database

12, 22, 32, 42: Terminal devices

121, 221, 321, 421: Image capture unit

122, 222, 322, 422: Image Analysis Unit

123, 223, 323, 423: Warning device

13, 23, 33, 43: Alignment unit

24: Input device

35: Computing Unit

36, 46: Upload unit

37, 47: Data verification unit

45: Data compression division unit

FIG. 1 is a functional block diagram of an online insurance application signing system according to an embodiment of the present invention.

FIG. 2 is a functional block diagram of an online insurance application signing system according to an embodiment of the present invention.

FIG. 3 is a functional block diagram of an online insurance application signing system according to an embodiment of the present invention.

FIG. 4 is a functional block diagram of an online insurance application signing system according to another embodiment of the present invention.

In order to make the merits of this creation, the spirit and characteristics can be more easily and clearly defined In the following, detailed description and discussion will be made with reference to the accompanying drawings by way of specific embodiments. It should be noted that these specific embodiments are only representative specific embodiments of the present invention, and the specific methods, devices, conditions, materials, etc. exemplified therein are not intended to limit the present invention or the corresponding specific embodiments. In addition, each device in the figure is only used to express its relative position and is not drawn according to its actual scale, and will be described together first.

In the description of this specification, a description with reference to the terms "an embodiment", "another embodiment" or "part of an embodiment" etc. means that a particular feature, structure, material or characteristic described in connection with the embodiment includes in at least one embodiment of the present creation. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment. Furthermore, the particular features, structures, materials or characteristics described may be combined in any suitable manner in one or more embodiments.

See Figure 1. FIG. 1 is a functional block diagram of an online insurance application signing system 1 according to an embodiment of the present invention. As shown in FIG. 1 , in this specific embodiment, the online insurance application and approval system 1 includes an insurance database 11 , a terminal device 12 and a comparison unit 13 . The insurance database 11 is used to store the policy data of the insurance policy and the customer data of the customer, and the policy data includes the customer data. The terminal device 12 further includes an image capturing unit 121 and an image analyzing unit 122 . The image capturing unit 121 is used for capturing real-time images when the signer signs the insurance policy. The image analysis unit 122 is connected to the image capture unit 121, and uses a feature model to analyze the real-time image to generate a policy signing image. The policy signature image includes at least one of facial features, hand features and signature motion features. The comparison unit 13 is connected to the insurance database 11 and the terminal device 12, and is used to compare the image of the policy signing and the customer information.

In practice, the insurance database 11 can be a hard disk, a tape drive, or a CD-ROM, etc., and can be set on the insurance company's server or a central management computer, but not limited to this, the insurance database 11 Can also be built in the cloud. The insurance database 11 can store policy data of a plurality of insurance policies and customer data of a plurality of customers. The policy information of an insurance policy may include relevant insurance information such as the type of insurance, the amount insured, etc. Further, the policy information of the insurance policy may also include an identification code. In practice, the identification code can be a serial number, a two-dimensional barcode, a QR code, etc., and the identification code of each insurance policy is different. The policy information of an insurance policy may include customer information. The customer information may include the customer's ID card number, photo, date of birth, address, etc. and related basic information, but is not limited to this. The customer information may also include photos and images of the customer's signature, ID card, health insurance card, driver's license, etc.

In practice, when a customer wants to apply for insurance, the customer can fill in the insurance information and customer information online and upload it to the insurance company, and then the insurance company can generate an insurance application form based on the insurance information and customer information and store the policy information of the insurance application policy in Insurance database 11. And when the insurance company generates the insurance policy that the customer wants to insure, the insurance company can send the insurance policy back to the customer for confirmation and signature by the customer.

The terminal device 12 may be a client's smart phone, tablet, computer, or the like. The image capturing unit 121 can be a camera, and the image analyzing unit 122 can be a central processing unit (CPU). In practice, when the customer (ie, the signer) signs the insurance policy, the image capturing unit 121 can record continuous and uninterrupted real-time images when the customer signs. Further, the real-time image can sequentially capture the customer's face, the pen-holding hand, the identification code of the insurance policy and the signature content, and the image capturing unit 121 can also record the signature action of the customer's hand when signing. The image analysis unit 122 can analyze the real-time image through the feature model to identify the features of the customer. In practice, the feature model may include a face analysis model, a hand analysis model, an action analysis model, and the like. In addition, the feature model can be learned through supervised learning, unsupervised learning, semi-supervised learning, reinforcement learning and other machine learning or other deep learning networks It is generated by analyzing a large amount of data and data in a structured way. For example, the image analysis unit 122 can find the image of the face from the real-time image through the face analysis model; the image analysis unit 122 can generate the image of the signature movement from the trajectory of the signing movement of the hand in the real-time image through the movement analysis model . Therefore, after the image capture unit 121 records the real-time image of signing the insurance policy, the image analysis unit 122 can analyze and generate the policy signing image of the signer's facial features, hand features, signature action features, etc. in the real-time image. In addition, the image analysis unit 122 can also analyze the real-time image to identify and generate the identification code of the policy information and the policy signing image of the signature content.

In practice, the terminal device 12 may further install an application program. Applications can contain feature models and can be developed by insurers. When the customer receives the application form sent by the insurance company, the customer can print the application form and sign it with a pen and paper. At this time, the customer can execute the application program through the terminal device 12, and the application program can control the image capture unit 121 to record the real-time image when the customer signs the insurance policy, and the application program can control the image analysis unit 122 to analyze the real-time image with the feature model to Generate policy signing images. Further, after the image analysis unit 122 generates the policy signature image, the application program can transmit the policy signature image to the insurance company's server or central management computer through the terminal device 12 .

The comparison unit 13 can be a comparison chip and is integrated into a server or a central management computer of an insurance company. When the insurance company receives the policy signing image transmitted by the terminal device 12, the comparison unit 13 can compare the customer data stored in the insurance database 11 with the facial features, hand features, signature action features, etc. in the policy signing image. match. In practice, the comparison unit 13 can compare whether the facial features in the policy signature image match the photo of the identity card of the customer's information. When the comparison result is yes, the comparison unit 13 determines that the signer who signed the insurance application form is the customer, that is, the signer who signed the insurance application policy is the customer himself. Further, due to the instant The image is a continuous and uninterrupted image. Therefore, the hand characteristics and signature action characteristics in the policy signing image can also correspond to the customer himself. In addition, the comparison unit 13 can also compare the customer's signature and identification code of the policy data. In practice, the comparison unit 13 can compare whether the signature content in the policy signature image is consistent with the customer signature of the customer information stored in the insurance database 11 . If the comparison result is yes, the comparison unit 13 determines that the signer who signed the insurance policy is the customer; and the comparison unit 13 may compare the identification code in the policy signing image with the identification code of the policy data stored in the insurance database 11 match. If the comparison result is yes, the comparison unit 13 determines that the insurance policy signed by the customer is the policy that the customer wants to apply for insurance. Therefore, the online insurance signing and approval system of this creation can determine whether the signature is completed by the customer himself by recording the video of the complete signing process, so as to avoid the situation of replacing the signature and forging documents, thereby improving the security and reducing the relationship between the customer and the insurance company. trust cost between them.

In addition, in this specific embodiment, after the comparison unit 13 determines that the signer who signed the insurance policy is the customer, the comparison unit 13 stores the image of the policy signing in the insurance database 11 as customer information of the customer. In practice, when the comparison unit 13 determines that the signer of the insurance policy is the customer, it means that the real-time images captured by the image capture unit 121 are all of the customer himself, that is, the policy generated by the image analysis unit 122 The signed image is also the client's own. Therefore, the matching unit 13 can store the customer characteristics of the policy signing image into the customer data. When the customer re-insures other insurances, the comparison unit 13 can use the customer characteristics in the policy signature image as the basis for judging whether the customer is the customer himself, thereby improving the efficiency.

In this specific embodiment, the terminal device 12 further includes a warning device 123 connected to the image analysis unit 122 . When the policy signature image does not contain at least one of facial features, hand features, signature action features, identification code and signature content, the image analysis unit 122 generates an alert signal, and the alerter generates an alert message according to the alert signal. In practice, the warning message of the warning device 123 Can light, sound, text, etc. When the policy signing image analyzed by the image analysis unit 122 does not include facial features, hand features or signature action features, it means that the real-time image captured by the image capturing unit 121 does not include the image of the signer signing the insurance policy. That is to say, the comparison unit 13 cannot determine whether the signer is the customer himself according to the policy signing image. At this time, the warning device 123 can send a warning message to remind the signatory to re-record and shoot the real-time image. Similarly, when the policy signature image analyzed by the image analysis unit 122 does not contain the identification code or signature content, it means that the real-time image captured by the image capture unit 121 does not contain the image of the signer signing the document. The pairing unit 13 cannot determine whether the document signed by the signer is the policy that the customer wants to apply for insurance according to the image of the policy signing. At this time, the warning device 123 can also send a warning message to remind the signatory to re-record and shoot real-time images. Therefore, the online insurance signing and approval system of this creation can instantly determine whether the image of the signing process is correct and clear to photograph the signer and the signing documents through the image analysis unit and the warning device, thereby improving the efficiency and practicability.

Besides, the customer can print the application form sent by the insurance company and sign the application form with a pen, and the customer can also sign the application form in other ways. See Figure 2. FIG. 2 is a functional block diagram of an online insurance application signing system 2 according to an embodiment of the present invention. As shown in FIG. 2 , in this specific embodiment, the online insurance application and approval system 2 further includes an input device 24 connected to the insurance database 21 and a comparison unit 23 . The input device 24 is used for displaying the policy information of the insurance application and receiving the signature content of the signer. In practice, the input device 24 may be an electronic tablet and may include a display (not shown). When the insurance company transmits the insurance policy to the customer, the application policy and its policy information can be displayed on the monitor of the electronic tablet for the customer to view the policy content. The customer can directly sign on the electronic tablet, and the electronic tablet can transmit the content of the customer's electronic signature to the insurance company's server or central management computer. further, The image capture unit 221 of the terminal device 22 can also simultaneously record the position and actions of the customer when signing and the policy information displayed by the input device 24 for the image analysis unit 222 to analyze and obtain customer characteristics and the identification code of the insurance policy. Therefore, the online insurance application and approval system of this creation can also achieve a paperless insurance application process through an input device, thereby improving convenience and reducing costs. Please note that the functions of the warning device 223 in FIG. 2 are substantially the same as the functions of the components corresponding to the foregoing specific embodiments, and are not described herein again.

See Figure 3. FIG. 3 is a functional block diagram of an online insurance application signing system 3 according to an embodiment of the present invention. As shown in FIG. 3 , in this specific embodiment, the online insurance application and approval system 3 further includes a computing unit 35 and an uploading unit 36 . The calculation unit 35 is connected to the insurance dossier 31 and the uploading unit 36 is connected to the calculation unit 35 . The calculation unit 35 uses a hash function to calculate the policy data to generate a hash value. The uploading unit 36 is used for uploading the hash value to the blockchain network. In practice, the computing unit 35 can be a computing chip, the uploading unit 36 can be a data transmission chip or a program, and the computing unit 35 and the uploading unit 36 can be integrated into the insurance company's server or central management computer. After the insurer generates an insurance policy according to the insurance information and customer information filled in by the customer and stores the policy data of the insurance policy in the insurance database 31, the calculation unit 35 can calculate the policy data with a hash function, generate a hash value corresponding to the insurance policy, and upload it The unit 36 uploads the hash value of the corresponding insurance policy to the blockchain network. Since the hash value calculated by the computing unit 35 is a string and the blockchain network has the property of being immutable, the insurance policy information applied by the customer will not be easily tampered, and the customer information in the policy information will not be easily tampered with. are published and obtained. Please note that the functions of the terminal device 32 , the image capture unit 321 , the image analysis unit 322 , the alerter 323 and the comparison unit 33 in FIG. 3 are substantially the same as the functions of the components corresponding to the aforementioned specific embodiments, and will not be omitted here. Repeat.

Further, in this specific embodiment, the online insurance application and approval system 3 includes a data verification unit 37 connected to the calculation unit 35 . The data verification unit 37 is used to calculate the policy data to generate a verification hash value, and compare the verification hash value with the consistency of the hash value. In practice, the data verification unit 37 can also be a computing chip, and can calculate the policy data with a hash function and generate a verification hash value corresponding to the insurance policy. The insurance company can periodically calculate the policy data stored in the insurance database 31 through the data verification unit 37 to generate a verification hash value, and can verify and compare the hash value generated by the calculation unit 35 with the one uploaded by the uploading unit 36 Check whether the hash value of the policy is consistent to check and confirm whether the policy information has been tampered with. Therefore, the online insurance application and approval system of this creation can also protect the policy data in the insurance database and the customer data in the policy data by hashing the value and the blockchain network, so as to prevent the public disclosure of customer data and policy data. , thereby improving security.

It is worth noting that, in addition to calculating a single policy data to generate a hash value corresponding to the policy data, the calculating unit 35 can also calculate multiple data. In practice, the calculation unit 35 may calculate the policy data of all the insurance policies of the same client to generate hash values corresponding to all the insurance policies of the client. In addition, the calculation unit 35 can also calculate the policy data of all the insurance policies of the same insurance type to generate a hash value corresponding to all the insurance policies of the insurance type.

The method of protecting the policy data and customer data in the insurance database can also be in other forms. See Figure 4. The figure shows a functional block diagram of an online insurance application and approval system 4 according to another specific embodiment of the present invention. As shown in FIG. 4 , in this specific embodiment, the online insurance application and approval system 4 further includes a data compression and division unit 45 and an uploading unit 46 . The data compression dividing unit 45 is connected to the insurance database 41 and the uploading unit 46 is connected to the data compression dividing unit 45 . The data compression and division unit 45 is used for compressing policy data to generate a policy compression file, and dividing the policy compression file to form a first policy compression file and a second policy compression file. Further, the data compression and segmentation unit 45 stores the first policy compressed file in the insurance database 41, and the uploading unit 46 uploads the second policy compressed file to the blockchain network.

In practice, the data compression and division unit 45 may be a data compression and division chip, the uploading unit 46 may be a data transmission chip or a program, and the data compression and division unit 45 and the uploading unit 46 may be integrated into the insurance company's server or central management computer. middle. The data compressing and dividing unit 45 can compress and divide the policy data of the same customer or multiple insurance policies of the same type of insurance in the insurance database 11 into a first policy compressed file and a second policy compressed file, and the uploading unit 46 compresses the second policy compressed file. The policy zip file is uploaded to the blockchain network. Due to the immutability of the blockchain network, the compressed file of the second policy cannot be easily tampered with. When the first policy compressed file stored in the insurance database 41 is tampered with, the second policy compressed file and the altered first policy compressed file cannot be combined and restored to the policy compressed file, so that policy information and customer information cannot be obtained. Further, in this specific embodiment, the file bytes of the first policy compressed file are larger than the file bytes of the second policy compressed file. In practice, due to the huge amount of data in the insurance database of the insurance company, the uploading unit 46 uploads the second policy compressed file with a smaller file byte to the blockchain network, so as to reduce the need for uploading to the blockchain. Internet costs, thereby reducing costs. Please note that the functions of the terminal device 42 , the image capture unit 421 , the image analysis unit 422 , the alerter 423 and the comparison unit 43 in FIG. 4 are substantially the same as those of the components corresponding to the aforementioned specific embodiments, and will not be omitted here. Repeat.

In addition, in this specific embodiment, the online insurance application and approval system 4 further includes a data verification unit 47 connected to the data compression and division unit 45 . The data verification unit 47 is used for generating verification policy data according to the first policy compression file and the second policy compression file, and comparing the verification policy data with the consistency of the policy data. In practice, the data verification unit 47 can be a computing chip, and can Restore the first policy compressed file and the second policy compressed file to verify the policy information. The insurance company can periodically restore the first policy compressed file and the second policy compressed file to the verification policy data through the data verification unit 47 , and compare and verify whether the policy data is consistent with the policy data stored in the insurance database 41 .

To sum up, the online insurance signing system of this creation can judge whether the signature is completed by the customer himself by recording the video of the complete signing process, so as to avoid the situation of replacing the signature and forging documents, thereby improving the security and reducing the risk of customers and customers. The cost of trust among insurers. In addition, the online insurance signing and approval system of this creation can instantly determine whether the image of the signing process is correct and clear to photograph the signer and the signing documents through the image analysis unit and the warning device, thereby improving efficiency and practicability. Furthermore, the online insurance application and approval system of this creation can also achieve a paperless insurance application process through an input device, thereby improving convenience and reducing costs. In addition, the online insurance signing system of this creation can also protect the policy data and customer data in the insurance database by hashing the value, dividing the file and the blockchain network, thereby improving security.

Through the detailed description of the preferred embodiments above, it is hoped that the features and spirit of the present creation can be described more clearly, rather than limiting the scope of the present creation by the preferred embodiments disclosed above. On the contrary, the intention is to cover various modifications and equivalent arrangements within the scope of the patented scope of the present invention. Therefore, the scope of the patentable scope of this invention should be construed in the broadest sense according to the above description, so as to cover all possible changes and equivalent arrangements.

1: Online insurance sign-off system

11: Insurance Database

12: Terminal device

121: Image capture unit

122: Image Analysis Unit

123: Alerter

13: Comparison unit

Claims (10)

An online insurance sign-off system, including: an insurance database for storing a policy information of an insurance policy and a client information of a client, wherein the policy information includes the client information; A terminal device, further comprising: an image capture unit for capturing a real-time image of a signer signing the insurance policy; and An image analysis unit connected to the image capture unit, the image analysis unit analyzes the real-time image with a feature model to generate a policy signing image, wherein the policy signing image includes a face feature, a hand feature and a signature action feature at least one of them; and A comparison unit is connected to the insurance database and the terminal device. The comparison unit is used for comparing the policy signature image and the customer information. When the policy signature image matches the customer information, the comparison unit determines the signature. is the customer. The online insurance application and approval system as described in item 1 of the scope of the application further comprises an input device connected to the insurance database and the comparison unit, the policy data includes an identification code and the customer data includes a customer signature, the input The device is used for displaying the policy information and receiving a signature content of the signer. When the policy signing image includes the identification code and the signature content matches the client's signature, the comparison unit determines that the signer is the client. The online insurance application and approval system as described in item 2 of the scope of the application, wherein the terminal device comprises a warning device connected to the image analysis unit, when the policy signing image does not contain the facial feature, the hand feature, the signature action When at least one of the feature, the identification code and the signature content is present, the image analysis unit generates a warning signal, and the warning device generates a warning message according to the warning signal. The online insurance application and approval system as described in item 1 of the scope of the application, wherein after the comparison unit determines that the signatory is the customer, the comparison unit stores the policy signature image in the insurance database as the customer of the customer's profile. The online insurance application and approval system as described in Item 1 of the scope of the patent application further includes: a computing unit connected to the insurance database, the computing unit using a hash function to compute the policy data to generate a hash value; and An uploading unit is connected to the computing unit, and the uploading unit is used for uploading the hash value to a blockchain network. The online insurance application and approval system as described in item 5 of the scope of the patent application further comprises a data verification unit connected to the calculation unit, the data verification unit calculates the policy data to generate a verification hash value, and compares the data to the verification hash value. Check the hash value and the consistency of the hash value. The online insurance application and approval system as described in Item 1 of the scope of the patent application further includes: A data compression and division unit connected to the insurance database, the data compression and division unit is used for compressing the policy data to generate a policy compression file, and dividing the policy compression file to form a first policy compression file and a second policy compression file , the data compression and segmentation unit stores the first policy compressed file in the insurance database; and An uploading unit is connected to the data compression and dividing unit, and the uploading unit is used for uploading the second policy compressed file to a blockchain network. The online insurance application and approval system as described in item 7 of the scope of the application further comprises a data verification unit connected to the data compression and division unit, and the data verification unit is generated according to the first policy compression file and the second policy compression file 1. Verify the policy data, and compare the verified policy data with the consistency of the policy data. The online insurance application and signing system as described in claim 8, wherein the file bytes of the first policy compressed file are larger than the file bytes of the second policy compressed file. The online insurance application and approval system as described in item 2 of the scope of application, wherein the input device is an electronic handwriting pad.

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