TWM646415U - Remote insurance system - Google Patents

Abstract

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

Remote insurance system

The present invention relates to a cloud system, in particular to an insurance system.

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.

Therefore, the purpose of the present invention is to provide a remote insurance system.

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.

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.

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.

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.

The server electronic device establishes a video conference with the client electronic device through the server unit.

The server unit captures a facial image of the customer during the video conference.

The server unit calculates the similarity between the facial image and the mugshot to generate a facial similarity.

In some implementations, 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.

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.

The server unit uses optical character recognition technology to obtain a document information on the first identification document.

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.

In some implementations, the protected document includes multiple sub-documents.

The server unit transmits the security document to the client electronic device.

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.

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.

In some implementations, the server unit records the customer's statement of insurance intention during the video conference.

In some implementations, the signature time information includes a starting signing time and an ending signing time.

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.

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.

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 .

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.

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.

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.

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.

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.

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.

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).

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.

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.

Step S06 is that the server unit 3 transmits the requested file to the client electronic device 1 .

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.

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 ).

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.

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.

Next, as shown in step S11, the server unit 3 records the customer's statement of insurance intention in the video conference.

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.

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.

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.

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.

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.

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:Remote insurance system 1: Client electronic device 2:Server electronic device 3:Server unit 200: Household registration database server S01~S15: Steps

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:Remote insurance system

1: Client electronic device

2:Server electronic device

3:Server unit

200: Household registration database server

Claims (8)

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. 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. 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. 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. 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. 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. 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. 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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