TWM646415U - Remote insurance system - Google Patents

Remote insurance system Download PDF

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Publication number
TWM646415U
TWM646415U TW112205356U TW112205356U TWM646415U TW M646415 U TWM646415 U TW M646415U TW 112205356 U TW112205356 U TW 112205356U TW 112205356 U TW112205356 U TW 112205356U TW M646415 U TWM646415 U TW M646415U
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electronic device
server unit
signature
insurance
client electronic
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TW112205356U
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Chinese (zh)
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王敏讚
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中國信託商業銀行股份有限公司
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Abstract

一種遠距投保系統,包含一客戶端電子裝置及一伺服器單元。該客戶端電子裝置供一客戶操作,並安裝有一預定應用程式。該伺服器單元經由通訊網路與該客戶端電子裝置電連接。該客戶端電子裝置執行該預定應用程式以連結至該伺服器單元,並於通過一登入程序後登入該伺服器單元。該客戶端電子裝置安裝的該預定應用程式提供一電子簽名板供該客戶手寫簽名產生一簽名資料,該簽名資料包含一簽名影像、一紀錄該客戶手寫簽名過程的簽名軌跡資料、及一簽名時間資料。該客戶端電子裝置安裝的該預定應用程式將該簽名影像套印到一要保文件。A remote insurance insurance system includes a client electronic device and a server unit. The client electronic device is operated by a customer and has a predetermined application program installed. The server unit is electrically connected to the client electronic device via a communication network. The client electronic device executes the predetermined application program to connect to the server unit, and logs in to the server unit after passing a login procedure. The predetermined application installed on the client electronic device provides an electronic signature pad for the client's handwritten signature to generate a signature data. The signature data includes a signature image, a signature track data recording the client's handwritten signature process, and a signature time. material. The predetermined application installed on the client electronic device overprints the signature image to a protected document.

Description

遠距投保系統Remote insurance system

本新型是有關於一種雲端系統,特別是指一種投保系統。The present invention relates to a cloud system, in particular to an insurance system.

銀行業者提供客戶仲介保險的服務,為客戶規劃合適的保險商品。一般而言,保險契約的簽訂由要保人與銀行保險人員現場簽訂。現場簽訂契約需要耗費要保人及/或銀行保險人員的交通時間,及列印與回傳要保文件所需的資源。發展遠距投保系統來改善前述現場簽訂契約的缺點確實有其需求。因此,如何發展出一種新的系統,能提供遠距投保的功能,又能確保投保過程的可信度,是本新型進一步要探討的主題。Bankers provide insurance brokerage services to customers and plan suitable insurance products for customers. Generally speaking, the signing of an insurance contract is signed on-site by the proposer and the bank's insurance personnel. Signing a contract on-site requires travel time for the applicant and/or bank insurance personnel, as well as resources required for printing and returning the insurance application documents. There is indeed a need to develop a remote insurance system to improve the aforementioned shortcomings of on-site contract signing. Therefore, how to develop a new system that can provide the function of remote insurance while ensuring the credibility of the insurance process is a subject to be further discussed in this article.

因此,本新型之目的,即在提供一種遠距投保系統。Therefore, the purpose of the present invention is to provide a remote insurance system.

於是,本新型遠距投保系統,包含一客戶端電子裝置及一伺服器單元。該客戶端電子裝置供一客戶操作,並安裝有一預定應用程式。該伺服器單元經由通訊網路與該客戶端電子裝置電連接。Therefore, the new remote insurance insurance system includes a client electronic device and a server unit. The client electronic device is operated by a customer and has a predetermined application program installed. The server unit is electrically connected to the client electronic device via a communication network.

該客戶端電子裝置執行該預定應用程式以連結至該伺服器單元,並於通過一登入程序後登入該伺服器單元。The client electronic device executes the predetermined application program to connect to the server unit, and logs in to the server unit after passing a login procedure.

該客戶端電子裝置安裝的該預定應用程式提供一電子簽名板供該客戶手寫簽名產生一簽名資料,該簽名資料包含一簽名影像、一紀錄該客戶手寫簽名過程的簽名軌跡資料、及一簽名時間資料。The predetermined application installed on the client electronic device provides an electronic signature pad for the client's handwritten signature to generate a signature data. The signature data includes a signature image, a signature track data recording the client's handwritten signature process, and a signature time. material.

該客戶端電子裝置安裝的該預定應用程式將該簽名影像套印到一要保文件。The predetermined application installed on the client electronic device overprints the signature image to a protected document.

在一些實施態樣中,所述的遠距投保系統還包含一服務端電子裝置,該服務端電子裝置供一服務人員操作並經由通訊網路與該伺服器單元電連接。In some implementations, the remote insurance system further includes a server electronic device, which is operated by a service personnel and is electrically connected to the server unit through a communication network.

該客戶端電子裝置安裝的該預定應用程式拍攝該客戶的一包含一大頭照的第一身分證明文件,並上傳至該伺服器單元。The predetermined application installed on the client electronic device captures a first identification document including a headshot of the client and uploads it to the server unit.

該服務端電子裝置透過該伺服器單元與該客戶端電子裝置建立一視訊會議。The server electronic device establishes a video conference with the client electronic device through the server unit.

該伺服器單元於該視訊會議中擷取該客戶的一臉部影像。The server unit captures a facial image of the customer during the video conference.

該伺服器單元計算該臉部影像與該大頭照的相似度以產生一臉部相似度。The server unit calculates the similarity between the facial image and the mugshot to generate a facial similarity.

在一些實施態樣中,該伺服器單元判斷該臉部相似度是否到達一相似度門檻值。In some implementations, the server unit determines whether the facial similarity reaches a similarity threshold.

當該伺服器單元判斷該臉部相似度未到達該相似度門檻值,該客戶端電子裝置安裝的該預定應用程式拍攝該客戶的一第二身分證明文件,並上傳至該伺服器單元。When the server unit determines that the facial similarity does not reach the similarity threshold, the predetermined application installed on the client electronic device captures a second identity document of the customer and uploads it to the server unit.

在一些實施態樣中,所述的遠距投保系統,適於與一戶政資料庫伺服器通訊,其中,該第一身分證明文件為一國民身分證。In some implementations, the remote insurance system is adapted to communicate with a household registration database server, where the first identity document is a national identity card.

該伺服器單元使用光學字元辨識技術取得該第一身分證明文件上的一證件資料。The server unit uses optical character recognition technology to obtain a document information on the first identification document.

該伺服器單元傳送一包含該證件資料的檢驗請求給該戶政資料庫伺服器,使該戶政資料庫伺服器回傳一指示正確或錯誤的檢驗結果。The server unit sends an inspection request containing the certificate information to the household registration database server, causing the household registration database server to return an inspection result indicating correctness or error.

在一些實施態樣中,該要保文件包含多份子文件。In some implementations, the protected document includes multiple sub-documents.

該伺服器單元將該要保文件傳送給該客戶端電子裝置。The server unit transmits the security document to the client electronic device.

該客戶端電子裝置顯示該要保文件以供該客戶審閱,且該客戶端電子裝置紀錄每一份子文件被該客戶審閱的時間。The client electronic device displays the demand document for review by the client, and the client electronic device records the time at which each sub-document was reviewed by the client.

在一些實施態樣中,該客戶端電子裝置顯示該要保文件時,選擇最近一次被該客戶審閱的該子文件顯示。In some implementations, when the client electronic device displays the requested document, the sub-document most recently reviewed by the customer is selected for display.

在一些實施態樣中,該伺服器單元於該視訊會議中錄製該客戶的投保意願聲明。In some implementations, the server unit records the customer's statement of insurance intention during the video conference.

在一些實施態樣中,該簽名時間資料包含一開始簽名時間及一結束簽名時間。In some implementations, the signature time information includes a starting signing time and an ending signing time.

本新型之功效在於:藉由產生紀錄該客戶手寫簽名過程的該簽名軌跡資料及該簽名時間資料,以提升文件簽屬的可信度,再者,藉由該伺服器單元於該視訊會議中擷取該客戶的該臉部影像並計算該臉部影像與該大頭照的相似度以產生該臉部相似度,以確認要保人為該客戶本人,再者,藉由該伺服器單元使用光學字元辨識技術取得該第一身分證明文件上的該證件資料併發查該戶政資料庫伺服器,以檢核該第一身分證明文件的真實性,此外,藉由該客戶端電子裝置紀錄每一份子文件被該客戶審閱的時間,能作為該客戶審閱該要保文件的證明。The function of this new model is to: generate the signature track data and the signature time data that record the customer's handwritten signature process to enhance the credibility of the document signature; furthermore, through the server unit in the video conference Capture the facial image of the customer and calculate the similarity between the facial image and the mug shot to generate the facial similarity to confirm that the applicant is the customer himself. Furthermore, the server unit uses optical The character recognition technology obtains the ID information on the first identity document and checks the household registration database server to check the authenticity of the first identity document. In addition, the client electronic device records each The time when a sub-document is reviewed by the client can be used as proof that the client reviewed the document required for protection.

在本新型被詳細描述之前,應當注意在以下的說明內容中,類似的元件是以相同的編號來表示。Before the present invention is described in detail, it should be noted that similar elements are represented by the same numbers in the following description.

參閱圖1,本新型遠距投保系統100的一實施例,適於與一戶政資料庫伺服器200通訊,並包含一客戶端電子裝置1、一服務端電子裝置2及一伺服器單元3。Referring to Figure 1, an embodiment of the new remote insurance system 100 is suitable for communicating with a household registration database server 200, and includes a client electronic device 1, a server electronic device 2 and a server unit 3 .

該戶政資料庫伺服器200例如歸屬於內政部戶政司,但不以此為限。The household registration database server 200 belongs to the Household Registration Department of the Ministry of the Interior, for example, but is not limited to this.

該客戶端電子裝置1供一客戶操作,並安裝有一預定應用程式。該客戶端電子裝置1例如為支援觸控輸入及視訊功能的一智慧型手機或一平板電腦,但不以此為限。該預定應用程式在本實施例中為一行動銀行應用程式,但不以此為限。The client electronic device 1 is operated by a customer and is installed with a predetermined application program. The client electronic device 1 is, for example, a smartphone or a tablet computer that supports touch input and video functions, but is not limited thereto. The predetermined application is a mobile banking application in this embodiment, but is not limited to this.

該服務端電子裝置2供一服務人員操作,且例如為一智慧型手機、一平板電腦、一膝上型電腦或一桌上型電腦。The server electronic device 2 is operated by a service personnel, and is, for example, a smart phone, a tablet computer, a laptop computer or a desktop computer.

該伺服器單元3經由通訊網路與該客戶端電子裝置1及該服務端電子裝置2電連接。該伺服器單元3可以是以一台伺服器實施,或者,以多台伺服器相互配合實施。The server unit 3 is electrically connected to the client electronic device 1 and the server electronic device 2 via a communication network. The server unit 3 may be implemented as one server, or may be implemented as multiple servers in cooperation with each other.

參閱圖1、圖2A、圖2B及圖2C,以下說明該遠距投保系統100執行的步驟。在說明步驟S01之前,先要說明的是,該服務人員依照該客戶的需求,規劃出一保險商品,且該客戶同意以遠距的方式申請投保,該服務人員登打要保資料、健告資料及授權扣款資料,產生一尚未簽名的要保文件(包含多份子文件),並上傳到該伺服器單元3(例如上傳到該伺服器單元3的一行動投保伺服器,再傳送給該伺服器單元3的一行動銀行伺服器),該伺服器單元3例如透過簡訊、即時通訊訊息或電子郵件傳送一投保連結給該客戶。當該客戶以該客戶端電子裝置1點選該投保連結時,該客戶端電子裝置1執行步驟S01,也就是該客戶端電子裝置1執行該預定應用程式以連結至該伺服器單元3,並於通過一登入程序(例如通過帳號及密碼的核身)後登入該伺服器單元3。接著,該客戶操作該預定應用程式進入行動銀行遠距投保專區並啟動投保流程。Referring to FIG. 1 , FIG. 2A , FIG. 2B and FIG. 2C , the following describes the steps performed by the remote insurance system 100 . Before describing step S01, it should be explained that the service staff plans an insurance product according to the needs of the customer, and the customer agrees to apply for insurance remotely, and the service staff registers insurance information and health warning information. and authorize debit information, generate an unsigned insurance request document (including multiple sub-documents), and upload it to the server unit 3 (for example, upload it to a mobile insurance server of the server unit 3, and then send it to the server A mobile banking server of the server unit 3), the server unit 3 sends an insurance link to the customer, for example, through a text message, an instant messaging message or an email. When the customer clicks the insurance link with the client electronic device 1, the client electronic device 1 executes step S01, that is, the client electronic device 1 executes the predetermined application program to connect to the server unit 3, and Log in to the server unit 3 after passing a login procedure (for example, verifying the account number and password). Then, the customer operates the reservation application to enter the mobile banking remote insurance area and initiates the insurance process.

接著,如步驟S02所示,該客戶端電子裝置1安裝的該預定應用程式拍攝該客戶的一包含一大頭照的第一身分證明文件,並上傳至該伺服器單元3。該第一身分證明文件在本實施例中為一國民身分證。值得一提的是,該預定應用程式不開放該客戶上傳該客戶端電子裝置1預存的影像,僅能以該預定應用程式提供的拍照功能拍攝該第一身分證明文件,藉此增加該客戶端電子裝置1上傳的文件影像的可信度。Next, as shown in step S02 , the predetermined application installed on the client electronic device 1 captures a first identity document including a headshot of the customer and uploads it to the server unit 3 . The first identity document is a national identity card in this embodiment. It is worth mentioning that the reservation application does not allow the customer to upload the image stored in the client electronic device 1, and can only use the camera function provided by the reservation application to take the first identity document, thereby adding the client The credibility of the file image uploaded by the electronic device 1.

接著,如步驟S03所示,該伺服器單元3使用光學字元辨識技術(OCR)取得該第一身分證明文件上的一證件資料(例如姓名、身分證字號、出生年月日及換補領日期)。Next, as shown in step S03, the server unit 3 uses optical character recognition technology (OCR) to obtain a document information (such as name, ID card number, date of birth and replacement) on the first identity document. date).

接著,如步驟S04所示,該伺服器單元3傳送一包含該證件資料的檢驗請求給該戶政資料庫伺服器200,使該戶政資料庫伺服器200回傳一指示正確或錯誤的檢驗結果。藉此,驗證該證件資料的正確性。Next, as shown in step S04, the server unit 3 sends a verification request including the certificate information to the household registration database server 200, so that the household registration database server 200 returns a check indicating whether it is correct or wrong. result. This is used to verify the correctness of the document information.

接著,如步驟S05所示,該伺服器單元3判斷該檢驗結果指示正確或錯誤,若錯誤,則執行步驟S02,重新拍攝該第一身分證明文件,若正確,則接著執行步驟S06。Next, as shown in step S05, the server unit 3 determines whether the verification result indication is correct or wrong. If it is wrong, step S02 is executed to re-photograph the first identity document. If it is correct, step S06 is executed.

步驟S06是該伺服器單元3將該要保文件傳送給該客戶端電子裝置1。Step S06 is that the server unit 3 transmits the requested file to the client electronic device 1 .

接著,如步驟S07所示,該客戶端電子裝置1顯示該要保文件以供該客戶審閱,且該客戶端電子裝置1紀錄每一份子文件被該客戶審閱的時間,藉此,作為該客戶審閱該要保文件的證明,此外,該客戶端電子裝置1顯示該要保文件時,選擇最近一次被該客戶審閱的該子文件顯示,藉此提升該客戶審閱的便利性。Next, as shown in step S07, the client electronic device 1 displays the requested document for review by the customer, and the client electronic device 1 records the time when each sub-document was reviewed by the customer, thereby serving as the customer's review. Proof of reviewing the requested document. In addition, when the client electronic device 1 displays the requested document, the sub-document that was most recently reviewed by the customer is selected for display, thereby improving the convenience of review by the customer.

接著,如步驟S08所示,該服務端電子裝置2透過該伺服器單元3(例如透過該伺服器單元3的一視訊系統伺服器)與該客戶端電子裝置1建立一視訊會議。Then, as shown in step S08 , the server electronic device 2 establishes a video conference with the client electronic device 1 through the server unit 3 (for example, through a video system server of the server unit 3 ).

接著,如步驟S09所示,在該服務人員向該客戶取得同意後,操作該服務端電子裝置2(例如按下一影像擷取按鈕)控制該伺服器單元3於該視訊會議中擷取該客戶的一臉部影像。Then, as shown in step S09, after the service staff obtains consent from the customer, he operates the server electronic device 2 (for example, presses an image capture button) to control the server unit 3 to capture the image in the video conference. An image of the customer's face.

接著,如步驟S10所示,該伺服器單元3(例如該伺服器單元3的一人工智慧伺服器)計算該臉部影像與該大頭照的相似度以產生一臉部相似度。Next, as shown in step S10 , the server unit 3 (for example, an artificial intelligence server of the server unit 3 ) calculates the similarity between the facial image and the mugshot to generate a facial similarity.

接著,如步驟S11所示,該伺服器單元3於該視訊會議中錄製該客戶的投保意願聲明。Next, as shown in step S11, the server unit 3 records the customer's statement of insurance intention in the video conference.

接著,如步驟S12所示,該客戶端電子裝置1安裝的該預定應用程式提供一電子簽名板供該客戶手寫簽名產生一簽名資料,該簽名資料包含一簽名影像、一紀錄該客戶手寫簽名過程的簽名軌跡資料、及一簽名時間資料。該簽名軌跡資料及該簽名時間資料例如是紀錄於一簽名軌跡檔。在本實施例中,該簽名時間資料包含一開始簽名時間及一結束簽名時間。藉由產生該簽名軌跡資料及該簽名時間資料,可以提升文件簽屬的可信度。Then, as shown in step S12, the predetermined application installed on the client electronic device 1 provides an electronic signature pad for the customer's handwritten signature to generate a signature data. The signature data includes a signature image and a record of the customer's handwritten signature process. signature trajectory data, and signature time data. The signature track data and the signature time data are, for example, recorded in a signature track file. In this embodiment, the signature time information includes a start signature time and an end signature time. By generating the signature track data and the signature time data, the credibility of the document signature can be improved.

接著,如步驟S13所示,該客戶端電子裝置1安裝的該預定應用程式將該簽名影像套印到該要保文件。Then, as shown in step S13, the predetermined application program installed on the client electronic device 1 overprints the signature image to the protected document.

接著,如步驟S14所示,該伺服器單元3判斷該臉部相似度是否到達一相似度門檻值,若是,則該服務人員的主管致電該客戶確認的投保意願、保險代理人進行簽屬,該伺服器單元3將該要保文件加密後傳送給販售該保險商品的保險公司的伺服器。若步驟S14判斷為否,則執行步驟S15之後才能進行前述最後的程序。Next, as shown in step S14, the server unit 3 determines whether the facial similarity reaches a similarity threshold. If so, the service staff's supervisor calls the customer to confirm the insurance intention and the insurance agent to sign. The server unit 3 encrypts the insurance request document and sends it to the server of the insurance company that sells the insurance product. If the determination in step S14 is negative, the last process mentioned above can only be performed after step S15 is executed.

步驟S15是當該伺服器單元3判斷該臉部相似度未到達該相似度門檻值,該客戶端電子裝置1安裝的該預定應用程式拍攝該客戶的一第二身分證明文件,並上傳至該伺服器單元3。相似地,該預定應用程式不開放該客戶上傳該客戶端電子裝置1預存的影像,僅能以該預定應用程式提供的拍照功能拍攝該第二身分證明文件,藉此增加該客戶端電子裝置1上傳的文件影像的可信度。Step S15 is when the server unit 3 determines that the facial similarity has not reached the similarity threshold, the predetermined application installed on the client electronic device 1 takes a second identity document of the customer and uploads it to the Server unit 3. Similarly, the predetermined application does not allow the customer to upload the pre-stored image of the client electronic device 1, and can only use the camera function provided by the predetermined application to take the second identity document, thereby adding the client electronic device 1 The credibility of the uploaded file image.

綜上所述,本新型遠距投保系統100藉由產生紀錄該客戶手寫簽名過程的該簽名軌跡資料及該簽名時間資料,以提升文件簽屬的可信度,再者,藉由該伺服器單元3於該視訊會議中擷取該客戶的該臉部影像並計算該臉部影像與該大頭照的相似度以產生該臉部相似度,以確認要保人為該客戶本人,再者,藉由該伺服器單元3使用光學字元辨識技術取得該第一身分證明文件上的該證件資料併發查該戶政資料庫伺服器200,以檢核該第一身分證明文件的真實性,此外,藉由該客戶端電子裝置1紀錄每一份子文件被該客戶審閱的時間,能作為該客戶審閱該要保文件的證明,因此,確實能達成本新型之目的。To sum up, the new remote insurance system 100 improves the credibility of the document signature by generating the signature track data and the signature time data that record the customer's handwritten signature process. Furthermore, through the server Unit 3 captures the customer's facial image in the video conference and calculates the similarity between the facial image and the headshot to generate the facial similarity to confirm that the applicant is the customer himself. Furthermore, by The server unit 3 uses optical character recognition technology to obtain the ID information on the first identity document and sends it to the household registration database server 200 to check the authenticity of the first identity document. In addition, By using the client electronic device 1 to record the time when each document was reviewed by the customer, it can be used as proof that the customer reviewed the requested document. Therefore, the purpose of the present invention can indeed be achieved.

惟以上所述者,僅為本新型之實施例而已,當不能以此限定本新型實施之範圍,凡是依本新型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,皆仍屬本新型專利涵蓋之範圍內。However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

100:遠距投保系統 1:客戶端電子裝置 2:服務端電子裝置 3:伺服器單元 200:戶政資料庫伺服器 S01~S15:步驟 100:Remote insurance system 1: Client electronic device 2:Server electronic device 3:Server unit 200: Household registration database server S01~S15: Steps

本新型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是本新型遠距投保系統的一個實施例的一硬體連接關係示意圖;及 圖2A、圖2B及圖2C是該實施例的一流程圖。 Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic diagram of a hardware connection relationship of an embodiment of the new remote insurance system; and FIG. 2A, FIG. 2B and FIG. 2C are a flow chart of this embodiment.

100:遠距投保系統 100:Remote insurance system

1:客戶端電子裝置 1: Client electronic device

2:服務端電子裝置 2:Server electronic device

3:伺服器單元 3:Server unit

200:戶政資料庫伺服器 200: Household registration database server

Claims (8)

一種遠距投保系統,包含:一客戶端電子裝置,供一客戶操作,並安裝有一預定應用程式;及一伺服器單元,經由通訊網路與該客戶端電子裝置電連接;該客戶端電子裝置執行該預定應用程式以連結至該伺服器單元,並於通過一登入程序後登入該伺服器單元;該客戶端電子裝置安裝的該預定應用程式提供一電子簽名板供該客戶手寫簽名產生一簽名資料,該簽名資料包含一簽名影像、一紀錄該客戶手寫簽名過程的簽名軌跡資料、及一簽名時間資料;該客戶端電子裝置安裝的該預定應用程式將該簽名影像套印到一要保文件。 A remote insurance insurance system includes: a client electronic device for a client to operate and a predetermined application program installed; and a server unit electrically connected to the client electronic device via a communication network; the client electronic device executes The predetermined application program is linked to the server unit and logs into the server unit after passing a login process; the predetermined application program installed on the client electronic device provides an electronic signature pad for the customer's handwritten signature to generate a signature data , the signature data includes a signature image, a signature track data recording the client's handwritten signature process, and a signature time data; the predetermined application installed on the client electronic device overprints the signature image to a protected document. 如請求項1所述的遠距投保系統,還包含一服務端電子裝置,該服務端電子裝置供一服務人員操作並經由通訊網路與該伺服器單元電連接;該客戶端電子裝置安裝的該預定應用程式拍攝該客戶的一包含一大頭照的第一身分證明文件,並上傳至該伺服器單元;該服務端電子裝置透過該伺服器單元與該客戶端電子裝置建立一視訊會議;該服務端電子裝置控制該伺服器單元於該視訊會議中擷取該客戶的一臉部影像; 該伺服器單元計算該臉部影像與該大頭照的相似度以產生一臉部相似度。 The remote insurance insurance system as described in claim 1 also includes a server electronic device, which is operated by a service personnel and is electrically connected to the server unit through a communication network; the client electronic device is installed with the server unit. The scheduled application takes a first identification document containing a headshot of the customer and uploads it to the server unit; the server electronic device establishes a video conference with the client electronic device through the server unit; the service The terminal electronic device controls the server unit to capture a facial image of the customer in the video conference; The server unit calculates the similarity between the facial image and the mugshot to generate a facial similarity. 如請求項2所述的遠距投保系統,其中,該伺服器單元判斷該臉部相似度是否到達一相似度門檻值;當該伺服器單元判斷該臉部相似度未到達該相似度門檻值,該客戶端電子裝置安裝的該預定應用程式拍攝該客戶的一第二身分證明文件,並上傳至該伺服器單元。 The remote insurance system as described in claim 2, wherein the server unit determines whether the facial similarity reaches a similarity threshold; when the server unit determines that the facial similarity does not reach the similarity threshold , the predetermined application installed on the client electronic device captures a second identity document of the customer and uploads it to the server unit. 如請求項2所述的遠距投保系統,適於與一戶政資料庫伺服器通訊,其中,該第一身分證明文件為一國民身分證;該伺服器單元使用光學字元辨識技術取得該第一身分證明文件上的一證件資料;該伺服器單元傳送一包含該證件資料的檢驗請求給該戶政資料庫伺服器,使該戶政資料庫伺服器回傳一指示正確或錯誤的檢驗結果。 The remote insurance system as described in claim 2 is suitable for communicating with a household registration database server, wherein the first identity document is a national identity card; the server unit uses optical character recognition technology to obtain the A certificate information on the first identification document; the server unit sends a verification request containing the certificate information to the household registration database server, causing the household registration database server to return a verification indicating whether it is correct or wrong. result. 如請求項1所述的遠距投保系統,其中,該要保文件包含多份子文件;該伺服器單元將該要保文件傳送給該客戶端電子裝置;該客戶端電子裝置顯示該要保文件以供該客戶審閱,且該客戶端電子裝置紀錄每一份子文件被該客戶審閱的時間。 The remote insurance application system as described in claim 1, wherein the insurance request document includes multiple sub-documents; the server unit transmits the insurance request document to the client electronic device; the client electronic device displays the insurance request document For review by the client, and the client electronic device records the time when each sub-document was reviewed by the client. 如請求項5所述的遠距投保系統,其中,該客戶端電子裝置顯示該要保文件時,選擇最近一次被該客戶審閱的該子文件顯示。 The remote insurance insurance system as described in claim 5, wherein when the client electronic device displays the insurance request document, the sub-document most recently reviewed by the customer is selected for display. 如請求項2所述的遠距投保系統,其中,該伺服器單元於該視訊會議中錄製該客戶的投保意願聲明。 The remote insurance insurance system as described in claim 2, wherein the server unit records the customer's statement of insurance intention in the video conference. 如請求項1所述的遠距投保系統,其中,該簽名時間資料包含一開始簽名時間及一結束簽名時間。 The remote insurance system as described in claim 1, wherein the signature time information includes a starting signature time and an ending signature time.
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