TWI618007B - System for signing insurance policy through verifying result by third party and method thereof - Google Patents

Abstract

A system and method for verifying the receipt result of a policy by a third party to complete the receipt, and the client can use the policy of the policy when the electronic policy is required to be signed according to the signing mode and the signing state of the electronic policy after the electronic policy is opened on the client After the signing process is completed, the signing result is transmitted to the policy signing server, and the policy signing server can verify the received signing result, and after the signing result is verified, the signing result is transmitted to the technical means of the policy service platform record, The signing process is completed when the policyholder wants to read the policy, and the technical effect of ensuring that the signing result is transmitted by the policyholder is achieved.

Description

System and method for verifying policy receipt result by third party to complete signing

An electronic policy signing system and method thereof, in particular, a system and method for verifying a policy receipt result by a third party to complete the signing.

At present, the relevant laws and regulations on insurance application stipulate that most insurance products need to be signed by the insured after the policyholders are insured to determine the starting date of the review period, for example, seven days or ten days from the signing date. The traditional paper-based policy is usually insured by the insurance salesman, and the insured person signs the document that the insured has read the entire policy to complete the sign-off process.

With the opening of relevant laws and regulations on insurance, some insurance products can already be insured through the Internet. After completing the online insurance application process, the insurance company usually receives an electronic insurance policy. However, because the electronic policy delivery process is not personally delivered by the salesperson, after the insured receives the electronic policy, the signing process cannot be completed by the insurance salesman requesting the signature of the applicant.

The current common method is to request the policyholder to reply to the email containing the electronic policy or to allow the policyholder to log in to the website to download the electronic policy to complete the signing process. However, this approach only guarantees that the policyholder obtains the electronic policy, but does not confirm that the policyholder has read the policy.

In summary, it can be seen that the prior art has long been in the process of signing the online insurance to confirm that the policyholder has actually read the policy, so it is necessary to propose improved technical means to solve this problem.

In view of the problem that the prior art online insured sign-off procedure cannot confirm that the policyholder has actually read the policy, the present invention discloses a system and method for verifying the policy receipt result by a third party to complete the sign-off, wherein:

The system for verifying the receipt of the policy by the third party to complete the signing of the invention includes at least: a policy service platform; the client is configured to receive the electronic policy transmitted by the policy service platform, and when the electronic policy is opened, according to the signing mode Judging whether the electronic policy needs to be signed, and when the electronic insurance policy needs to be signed in the signing mode, the electronic insurance policy is checked according to the policy identification information of the electronic policy, and the insurance policy is read when the electronic insurance policy has not been signed. And using the policy holder voucher to sign the electronic policy to generate the signing result, wherein the signing result includes the policy identification data; the policy signing server is configured to receive the signing result transmitted by the client, verify the signing result, and transmit the successful verification The result of the receipt is recorded to the policy service platform.

The method for verifying the receipt of the policy by the third party to complete the signing method includes the following steps: the policy service platform transmits the electronic policy to the client; when the client opens the electronic policy, the client determines whether the electronic policy needs to be signed according to the signing mode. When the signing mode indicates that the electronic policy needs to be signed, the client queries the electronic insurance policy according to the policy identification data of the electronic policy; when the signing state indicates that the electronic policy has not been signed, the client reads the policy of the policy and uses the policy of the policy. The electronic insurance policy is signed to generate the receipt result including the policy identification data; the client transmits the receipt result to the policy receipt server; after successfully verifying the receipt result, the policy receipt server transmits the receipt result to the policy service according to the policy identification data included in the receipt result. Platform; the policy service platform receives and records the receipt results.

The system and method disclosed in the present invention are as above, and the difference between the prior art and the prior art is that the present invention can use the security policy after the electronic policy is opened on the client, and the electronic policy is required to be signed according to the signing mode and the signing state of the electronic policy. The account voucher completes the sign-off procedure, and transmits the sign-off result to the policy-receiving server. The policy-receiving server can verify the received sign-off result, and after the sign-off result is verified, the sign-off result is transmitted to the policy service platform record, thereby solving the problem. The problems with the prior art can be achieved to ensure that the signing result is the technical effect transmitted by the policyholder.

The features and embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, which are sufficient to enable those skilled in the art to fully understand the technical means to which the present invention solves the technical problems, and The achievable effects of the present invention.

The invention can provide the client to connect to the policy service platform to complete the receipt of the electronic policy when the electronic policy is opened, and the policy service platform can confirm the user identity of the client that signs the electronic policy through the policy receipt server.

The system operation of the present invention will be described below with reference to the system architecture diagram of the present invention for completing the sign-off procedure through the third-party verification electronic policy. As shown in FIG. 1, the system of the present invention includes a policy service platform 110, a client 120, and a policy receipt server 130. The client 120 is usually a reader of an electronic policy or a dedicated electronic policy reading device, but the invention is not limited thereto.

The policy service platform 110 is responsible for receiving the receipt result transmitted by the client 120 and verified by the policy receipt server 130, and recording the received receipt result. The policy service platform 110 is also responsible for providing the status of the check-in for the electronic policy. The signing status of the policy service platform 110 is at least a data indicating that the electronic policy that has been inquired has been signed or not signed.

The signing result provided by the present invention includes the insured identification data of the user using the client 120 and the signing content. The signing content of the present invention may include the voucher content of the policy of the policy of using the client of the client 120, the policy identification data of the electronic policy, and the time of receipt. In some embodiments, the signing content may further include a policy. The service platform 110 provides the information downloaded by the client 120, such as a specific web page or the like.

In the present invention, the policy identification data of the electronic policy may include the company identification code of the insurance company and the policy identification code of the electronic policy, wherein the company identification code and the policy identification code may be English letters, numbers, symbols, or even texts ( Chinese, etc.) constitutes a string of any length, but the company identification code of each insurance company is unique, and the policy identification code of the electronic policy of the same insurance company is also unique. In other words, the company identification codes of different insurance companies are different, and the policy identification codes of the electronic policies of the same insurance company are also different, but the electronic policies of different insurance companies may have the same policy identification code.

In general, the policy service platform 110 can include a policy holder voucher module 112 and an electronic policy module 116.

The policy holder voucher module 112 is responsible for providing the client 120 to connect with the policy service platform 110, thereby providing the client 120 and the electronic policy module 116 to transfer data to each other. Similarly, the policy holder voucher module 112 is also responsible for connecting the policy service platform 110 and the policy sign-off server 130, so that the policy service platform 110 and the policy sign-off server 130 can transfer data to each other through different interfaces provided by the policy holder voucher module 112. . The policy holder voucher module 112 further includes a policy holder identification unit 1123 and a policy visa unit 1125.

The policy holder identification unit 1123 can receive the policy identification data transmitted by the policy receipt server 130 and transmit the received policy identification data to the electronic policy module 116 to verify the identity of the user of the client 120. The policy holder identification unit 1123 can also receive the policyholder identification data returned by the electronic policy module 116, and transmit the received policyholder identification data to the policy receipt server 130. The above-mentioned policy of protecting the household can be arbitrarily arranged by any number of characters such as characters, numbers, and symbols, and each of the policyholder identification data can be used to indicate a corresponding policy holder, although one policy holder can correspond to one or more Each policyholder identifies the data, but the policyholders' identification data corresponding to different policyholders are different.

The policy visa unit 1125 is responsible for receiving the receipt result transmitted by the client 120 through the policy receipt server 130, and transmitting the received receipt result to the electronic policy module 116.

The electronic policy module 116 is responsible for recording the receipt result of the electronic policy and is responsible for providing an inquiry of the status of the receipt. The electronic policy module 116 further includes a receipt setting unit 1161, a policy delivery unit 1163, a policy receipt unit 1165, and a policyholder verification unit 1169.

The receipt setting unit 1161 can be connected to the policy receipt server 130 via the policy holder voucher module 112 to enable or disable the policy signing service. In some embodiments, the receipt setting unit 1161 needs to pass the verification of the policy receipt server 130. For example, the receipt setting unit 1161 may first transmit the verification data to the policy receipt server 130, and may enable the activation or disabling of the policy receipt service after the transmitted verification data is verified by the policy receipt server 130. The verification data may be an account password, an electronic signature, an IP address, a MAC address, and the like, which is sufficient for the policy receipt server 130 to identify the policy service platform 110. However, the present invention is not limited to the above.

The sign setting unit 1161 can also set the signing mode of the electronic policy. The signing mode of the electronic policy set by the sign setting unit 1161 includes three types of signing, mandatory signing, and non-mandatory signing, but the invention is not limited thereto.

The sign setting unit 1161 can directly record the signing mode of the electronic policy into the electronic policy to complete the setting of the signing mode, and the sign setting unit 1161 can also record the policy identification data of the electronic policy and the signing mode corresponding to the electronic policy. To set the signing mode of the electronic policy. The sign setting unit 1611 can also query the signing mode of the electronic policy according to the received policy identification data. For example, the receipt setting unit 1611 may read the receipt mode of the electronic policy corresponding to the policy identification data from the record containing the received policy identification data. In addition, the sign setting unit 1611 may first extract the company identification code from the received policy identification data, and read the corresponding signing mode from the record including the obtained company identification code, which is read out. The signing mode is the signing mode of the electronic policy corresponding to the received policy identification data. That is to say, the sign setting unit 1611 can set the signing mode for each electronic policy, and the sign setting unit 1611 can also set the signing mode of the electronic policy according to the type of the electronic policy or according to the insurance company.

The policy delivery unit 1163 can transmit an electronic policy to the client 120. The policy transfer unit 1163 can transmit the electronic policy to the device executing the client 120 (not shown) or directly to the client 120 via email or the like, and the policy transfer unit 1163 can also transmit the download message to the client 120, so that the policy transfer unit 1163 can also transmit the download message to the client 120. The client 120 connects to the policy service platform 110 to download the electronic policy according to the download message transmitted by the policy delivery unit 1163. The above download message is, for example, a network link, but the invention is not limited thereto.

The policy signing unit 1165 is responsible for receiving and recording the signing result transmitted by the client 120 through the policy signing server 130. In some embodiments, the policy receipt unit 1165 may also annotate the policy identification information of the electronic policy that received the receipt result.

The policy signing unit 1165 can provide the policy signing server 130 and/or the client 120 to query the signing status of the electronic policy. The policy signing unit 1165 can search for the signing result of the electronic policy according to the policy identification data of the received electronic policy. When the policy signing unit 1165 searches for the signing result, the policy signing unit 1165 can generate and return the signing status indicating that the signing is received. If the policy signing unit 1165 does not find the signing result, the policy signing unit 1165 may generate and return a signing status indicating that the signing is not signed. The policy receipt unit 1165 can also search for the electronic policy that has been marked as signed according to the policy identification data of the received electronic policy, and the policy receipt unit 1165 searches for the received policy identification information of the electronic insurance policy that has been signed as the received electronic policy. When the policy identification information is obtained, the policy receipt unit 1165 may generate and return a signed receipt status indicating that the signed receipt information is not found in the policy identification data of the electronic insurance policy marked as the signed electronic receipt. At the time, the policy receipt unit 1165 can generate and return a status indicating the unsigned status.

In some embodiments, the policy signing unit 1165 may first add a link providing the client 120 to the signing operation in the generated signing state, and then return the signing state including the link in the generated signing state.

The policy holder verification unit 1169 can receive the policy identification data transmitted by the policy receipt server 130 through the policy holder voucher module 112, and can verify the received policy identification data, for example, whether the presence of the received policy identification is confirmed. The electronic policy of the data, etc., but the manner in which the policy verification unit 1169 verifies the policy identification information is not limited to the above. The policyholder verification unit 1169 may also read the policyholder identification data corresponding to the verified policy identification data after the policy identification data has passed the verification, and transmit the read policyholder identification data to the policy receipt server 130.

The policyholder verification unit 1169 may also transmit the policyholder identification data corresponding to the received policy identification data to the policy receipt server 130 through the policy holder voucher module 112 after the received policy identification data is verified.

In addition, it is worth mentioning that, in the present invention, the electronic policy module 116 and the policy holder voucher module 112 may be separate electronic policy host and policy holder certificate host, wherein the electronic policy host and the policy holder certificate host The connection is made through a wired or wireless network, or through a serial connection, but the policy service platform 110 proposed by the present invention is not limited thereto. For example, the policy service platform 110 may also be a host including all the units of the policy holder voucher module 112 and the electronic policy module 116. In this case, the policy holder module 112 needs to pass through the policy holder voucher module 112. The various units connected to the policy receipt server 130 will be directly connectable to the policy receipt server 130, eliminating the need to pass the policy holder voucher module 112.

The client 120 is responsible for receiving the electronic policy transmitted by the policy service platform 110, and after opening the electronic policy, first determines whether the opened electronic policy needs to be signed according to the signing mode of the opened electronic policy, and then according to the opened electronic policy. The signing mode and the signing state select whether to display the policy content of the electronic policy. When the electronic policy has the signing mode of the electronic policy, the client 120 can directly determine whether the electronic policy needs to be signed according to the signing mode recorded in the electronic policy. In some embodiments, the client 120 needs to pass the policy signing server. 130 Querying the signing mode of the opened electronic policy, that is, transmitting the policy identification information of the opened electronic policy to the policy signing server 130, and receiving the signing mode returned by the policy signing server 130.

The client 120 is responsible for displaying the policy content of the electronic policy when the signing mode indicates that the electronic policy does not need to be signed, for example, when the signing mode is set to not require signing. The client 120 is also responsible for when the signing mode indicates that the electronic policy needs to be signed, for example, when the signing mode is set to mandatory signing or non-mandatory signing, the signing status of the opened electronic policy is further inquired according to the policy identification data of the opened electronic policy. The client 120 may search according to the receipt result of the previously stored electronic policy or the policy identification data of the previously signed electronic insurance policy, if the search result corresponding to the policy identification data of the opened electronic policy is found or If the policy identification information of the opened electronic policy has been marked, it means that the opened electronic policy has been signed, and if not, the receipt result corresponding to the policy identification data of the opened electronic policy or the opened electronic policy is not found. If the policy identification data is not noted, the client 120 can directly transmit the policy identification information of the opened electronic policy to the policy service platform 110 or indirectly transmit the policy identification information of the opened electronic policy to the policy service platform through the policy receipt server 130. 110, by which the status of the electronic policy of the opened electronic policy is checked.

The client 120 is responsible for displaying the policy content of the electronic policy when the queried receipt status indicates that the opened electronic policy has been signed. The client 120 is also responsible for reading the policy of the user who uses the client 120, completing the signing process, and transmitting the generated receipt result to the policy when the checked receipt status indicates that the opened electronic policy has not been signed. The server 130 is signed and the policy content of the electronic policy is displayed. In some embodiments, the client 120 may also record the generated receipt result or note that the electronic policy has been signed, thereby providing a query for the status of the receipt.

The above-mentioned sign-off procedure means that the client uses the read-in policy of the policy to sign the opened electronic policy to generate a receipt result corresponding to the opened electronic policy. In general, the client 120 can read the policy of the policy holder and prompt the user of the client 120 to input the password of the policy of the policy holder after the user of the client 120 agrees to execute the signing process. If the password entered is correct, the client The terminal 120 may generate the receipt result according to the voucher content of the policy of the policy, the policy identification data of the electronic policy that is opened, and the current time (signing time). In some embodiments, if the signing status queried by the client 120 further includes a link for performing the signing operation, the client 120 may first download the link according to the link of the signing operation to the policy service platform 110. The content, according to the certificate content of the policy holder voucher, the policy identification data of the opened electronic policy, the current time (signing time), and the link content to generate the receipt result.

The client 120 may also first determine whether the policy of the policy holder of the user using the client 120 exists, that is, the client 120 determines whether the policy of the policy can be found. If the policy holder certificate exists, the client 120 can directly read the policy holder certificate and execute the sign-off procedure; and if the policy holder certificate does not exist, the client 120 can transmit the policy identification information of the opened electronic policy to the policy sign-off server. 130. Receive the policy of the policy holder returned by the policy receipt server 130 and install the received policy of the policy holder. Then, the policy of the policy holder can be read and the signing process can be performed.

When the signing status of the client 120 indicates that the opened electronic policy has not been signed, and the signing mode queried by the client 120 indicates that the opened electronic policy is mandatory signing, if the client 120 cannot complete the signing process, for example, If the client 120 cannot read the policy of the policy or the user refuses to perform the signing process, the client 120 will not display the policy content of the opened electronic policy; and when the client 120 queries the signing status, the electronic device is turned on. The policy has not been signed, and the signing mode queried by the client 120 indicates that the opened electronic policy is not mandatory, and the client 120 can display the policy content of the opened electronic policy regardless of whether the client 120 completes the signing process.

In addition, it is worth mentioning that the client 120 can also display or not display the policy content of the electronic policy according to the signing mode of the electronic policy, the signing status of the electronic policy, and whether the signing process is completed, or according to the opened electronic policy. The signing mode and the connection status with the policy signing server 130 select to display or not display the policy content of the electronic policy. For example, when the signing mode of the electronic policy indicates a mandatory signing, and the client 120 is unable to connect with the policy signing server 130, the client 120 does not display the policy content of the electronic policy; and when the signing mode of the electronic policy indicates that no signing is required When the signature is not mandatory, the client 120 can display the policy content of the electronic policy regardless of whether the client 120 can connect to the policy sign-off server 130.

The policy receipt server 130 is responsible for receiving the receipt result transmitted by the client 120, verifying the received receipt result, and is also responsible for transmitting the received receipt result to the policy service platform 110 after successfully verifying the received receipt result.

The policy receipt server 130 can receive a status inquiry request including the policy identification data transmitted by the client 120, and transmit the received policy identification data to the policy service platform 110 to query the receipt status corresponding to the received policy identification data. . The policy receipt server 130 can also receive the signing status returned by the policy service platform 110 and transmit the received signing status to the client 120.

The policy receipt server 130 can receive a voucher application request including the policy identification information transmitted by the client 120, and transmit the received policy identification data to the policy service platform 110 to verify the received policy identification data. The policy receipt server 130 may also receive the policyholder identification data returned by the policy service platform 110 corresponding to the verified policy identification data, and connect to the voucher registration server according to the received policyholder identification data (RA) 400 applies for the policy of the policy corresponding to the received policy of the policyholder, and transmits the policy of the policy to be applied to the client 120. Generally, the voucher registration server 400 to which the policy receipt server 130 applies for the policy holder voucher corresponds to the insurance company that owns the policy service platform 110, but the invention is not limited thereto.

Next, an operation system and method of the present invention will be described with reference to an embodiment, and please refer to the "2A" diagram of the method of the present invention for verifying that the electronic insurance policy has completed the sign-off procedure. In this embodiment, it is assumed that the client 120 is an application executable on a mobile device, but the invention is not limited thereto. In addition, this embodiment also assumes that the policy service platform 110 includes a policy holder voucher host (guarantee voucher module 112) and an electronic policy host (electronic policy module 116), wherein the electronic policy host is set after the policy holder voucher host, that is, The electronic policy host needs to exchange data with other hosts, servers or clients through the policy holder's credentials, but the invention is also not limited to the above.

First, the insurance company needs to use the policy service platform 110 to connect to the policy receipt server 130 to enable the policy signing service. After the administrator operates the electronic policy host, the sign setting unit 1161 can connect to the policy signing server 130 through the policy holder voucher to set the enable signing service.

After the sign-off service is enabled, when the user operates the client 120 to connect to the policy service platform 110 to complete online insurance, the policy service platform 110 can transmit the electronic policy of the insurance purchased by the user to the client 120 operated by the user ( Step 206). In this embodiment, it is assumed that the policy delivery unit 1163 of the policy service platform 110 can transmit the electronic policy to the user via email, and the user can operate the mobile device to download the email containing the electronic policy, and select to open the electronic device by the client 120. The electronic policy in the email.

When the client 120 turns on the electronic policy, the client 120 can determine whether the opened electronic policy needs to be signed according to the signing mode of the opened electronic policy (step 220). In this embodiment, it is assumed that the client 120 can read the policy identification data of the opened electronic policy, and can transmit the read policy identification data to the policy receipt server 130, and the policy receipt server 130 can receive the policy. The policy identification data is forwarded to the policy service platform 110, and the receipt setting unit 1161 of the policy service platform 110 can query the signing mode corresponding to the received policy identification data after receiving the policy identification data through the policy holder voucher host, and The queried signing mode can be transmitted back to the policy signing server 130 through the policy holder voucher host, and the policy signing server 130 forwards the received signing mode to the client 120, so that the client 120 can be based on the received The signing mode determines whether the electronic policy needs to be signed.

If the signing mode obtained by the client 120 indicates that the electronic policy does not need to be signed, the client 120 may directly display the policy content of the opened electronic policy (step 275); and if the signing mode indicates that the electronic policy needs to be signed, the client 120 may The status of the electronic policy is checked according to the policy identification data of the opened electronic policy (step 230), and whether the opened electronic policy has not been signed (step 239) is determined according to the status of the electronic policy of the queried electronic policy. In this embodiment, assuming that the client 120 can transmit the read policy identification data to the policy receipt server 130 (step 231), the policy receipt server 130 can The received policy identification data is forwarded to the policy service platform 110 (step 233), and the policy receipt unit 1165 of the policy service platform 110 can search for all the signed receipt results after receiving the policy identification data through the policy holder certificate host. The receipt result corresponding to the received policy identification data, and the corresponding receipt status may be generated according to the search result, and may be transmitted back to the policy receipt server 130 through the policy holder certificate (step 235), the policy receipt server 130 The received sign-off status is forwarded to the client 120 (step 237), so that the client 120 can determine whether the electronic policy has been signed according to the received sign-off status (step 239).

If the signing status obtained by the client 120 indicates that the electronic policy has been signed, the client 120 may display the policy content of the opened electronic policy (step 275); and if the signing status indicates that the electronic policy has not been signed, the client 120 may read The policy of the policy of the user of client 120 (step 262). In more detail, as shown in the process shown in FIG. 2C, the client 120 may first determine whether the policy of the client of the client 120 exists (step 251). In this embodiment, it is also determined whether the policy holder certificate is The client 120 is stored in the mobile device executing the client 120, and if so, the client 120 can read the user's policy of the policy (step 262).

If the client 120 determines that the policy of the client of the client 120 does not exist, the client 120 can transmit the policy identification information of the opened electronic policy to the policy receipt server 130 (step 252), and the policy receipt server 130 The received policy identification data may be forwarded to the policy service platform 110 (step 253), and the policyholder verification unit 1169 of the policy service platform 110 may verify the received policy identification after receiving the policy identification data through the policy holder certificate host. The data is judged whether the received policy identification data has passed verification (step 255). If the policyholder verification unit 1169 determines that the received policy identification data has not passed the verification, the policy receipt server 130 will not continue the subsequent operation, so that the client 120 cannot obtain the policy of the policy holder, and thus cannot sign the electronic policy.

If the policyholder verification unit 1169 determines that the received policy identification data has passed the verification, the policyholder verification unit 1169 can read the policyholder identification data corresponding to the received policy identification data, and can obtain the obtained policyholder The identification data is transmitted to the policy receipt server 130 through the policy holder voucher (step 256), and the policy receipt server 130 can transmit the certificate identification server to the voucher registration server 400 corresponding to the insurance company according to the received policy. The received policyholder identification data is applied to the voucher registration server 400 for the policy of the client of the client 120 (step 257). After the policy receipt server 130 obtains the policy of the policy returned by the voucher registration server 400, the received policy holder certificate can be transmitted back to the client 120 (step 258), so that the client 120 can install the received certificate. The policy holder certificate (step 259) and the policy holder certificate is read (step 262).

After the client 120 reads the user's policy of the policy (step 262), the client 120 can sign the electronic policy using the read policy holder to generate a signing result (step 266). In this embodiment, if the signing status queried by the client 120 does not include a signing link, the client 120 may identify the data according to the voucher content of the user's policy of the policy, the policy of the opened electronic policy, and the current The time is generated as a result of the receipt; and if the signing status queried by the client 120 includes a signing link, the client 120 may download the signing link corresponding to the policy service platform 110 according to the signing link included in the signing state. After the content of the link, the receipt result is generated according to the content of the certificate of the user's policy of the policy, the policy identification data of the opened electronic policy, the current time, and the downloaded link content.

After the client 120 generates the receipt result of the opened electronic policy, the client 120 may transmit the generated receipt result to the policy receipt server 130 (step 271) and display the policy content of the electronic policy (step 275).

After receiving the receipt result transmitted by the client 120, the policy receipt server 130 can verify the received receipt result (step 282), and can determine whether the receipt result is successfully verified (step 286). If the policy receipt server 130 fails to successfully verify the received receipt result, the policy receipt server 130 will not continue the subsequent operation, so that the policy service platform 110 cannot obtain the receipt result of the electronic policy opened by the client 120.

If the policy receipt server 130 successfully verifies the received receipt result, the policy receipt server 130 may transmit the received receipt result to the policy service platform 110 (step 291). The policy signing unit 1165 of the policy service platform 110 may record the received signing result after receiving the signing result transmitted by the policy signing server 130 through the policy holder voucher (step 295).

Thus, through the present invention, when the client 120 opens the electronic policy that needs to be signed, the client 120 can transmit the signed result of the opened electronic policy to the policy service platform 110 through the policy receipt server 130, so that the policy service platform 110 can It is confirmed that the user of the client 120 has signed the electronic policy opened by the client 120 without worrying that the received receipt result is forged.

In the above embodiment, the client 120 determines whether the opened electronic policy is a mandatory or non-mandatory receipt according to the signing mode of the electronic policy that is queried, and determines the opened electronic device according to the signing status of the queried electronic policy. When the policy has not been signed, the client 120 may display a signing prompt message, thereby providing the user of the client 120 to select whether to sign the electronic policy.

If the user chooses to sign the electronic policy, the client 120 can read the user's policy of the policy (step 262), and can display the policy content of the electronic policy after completing the signing process of the electronic policy. If the user chooses not to sign the electronic policy, the client 120 may not read the user's policy of the policy, and when the signing mode of the electronic policy queried by the client 120 indicates that the electronic policy that is opened is a mandatory sign, the client The terminal 120 will not display the policy content of the opened electronic policy, and when the signing mode of the electronic policy queried by the client 120 indicates that the opened electronic policy is not mandatory, the client 120 can display the opened electronic The policy content of the policy, such that when the client 120 opens the same electronic policy again, the client 120 will repeat the above process (steps 220 through 275).

In summary, it can be seen that the difference between the present invention and the prior art is that after the electronic policy is opened on the client, the electronic policy can be signed according to the signing mode and the signing state of the electronic policy, and the client can use the policy of the policy to complete the electronic policy. The signing process is transmitted to the policy signing server, and the policy signing server can verify the received signing result, and after the signing result is verified, the signing result is transmitted to the technical means of the policy service platform record, by This technical means can solve the problem that the online insured signing procedure in the prior art cannot confirm that the policyholder has read the policy, thereby achieving the technical effect of ensuring that the signing result is transmitted by the policyholder.

Furthermore, the method for completing the sign-off procedure by the third-party verification electronic policy of the present invention can be implemented in hardware, software or a combination of hardware and software, or can be implemented in a centralized manner in a computer system or distributed by different components. Implemented in a decentralized manner with several interconnected computer systems.

While the embodiments of the present invention have been described above, the above description is not intended to limit the scope of the invention. Any modification of the form and details of the practice of the present invention, which is a matter of ordinary skill in the art to which the present invention pertains, is a patent protection of the present invention. range. The scope of the invention is to be determined by the scope of the appended claims.

110‧‧‧Policy Service Platform
112‧‧‧Policy voucher module
1123‧‧‧Protect identity identification unit
1125‧‧ ‧ policy visa unit
116‧‧‧Electronic policy module
1161‧‧‧Sign-in setting unit
1163‧‧‧Policy Transfer Unit
1165‧‧‧Certificate receipt unit
1169‧‧‧Policy Verification Unit
120‧‧‧Client
130‧‧‧policy receipt server
400‧‧‧Voucher Registration Server Step 206‧‧The policy service platform transmits the electronic policy to the client Step 220‧‧‧ The client determines whether the signing is required according to the signing mode. 230‧‧‧ The client identifies the data according to the policy of the electronic policy Check the status of the receipt of the electronic policy Step 231‧‧‧ The client transmits the policy identification information to the policy receipt server Step 233‧‧ The policy receipt server transmits the policy identification information to the policy service platform Step 235‧‧ The policy service platform queries the receipt status And return to the policy receipt server step 237 ‧ ‧ policy receipt server to send the signing status to the client step 239 ‧ ‧ ‧ the client determines whether the signing status indicates that the sign has not been signed step 251 ‧ ‧ the client determines whether the policy of the policy holder exists 252‧‧‧The client transmits the policy identification information to the policy receipt server Step 253‧‧ The policy receipt server transmits the policy identification information to the policy service platform Step 255‧‧ The policy service platform determines whether the policy identification data has passed the verification step 256‧ ‧ ‧ policy service platform transmits policyholder identification To the policy receipt server step 257‧‧ The policy receipt server applies for the policy of the policy to the voucher registration server based on the policy of the policyholder. Step 258‧‧ The policy receipt server transmits the policy of the policy to the client Step 259‧‧‧Customer Steps to install the policy holder's voucher Step 262‧‧‧ The client reads the policy holder's voucher Step 266‧‧‧ The client uses the policyholder's voucher to sign the electronic policy to generate the signing result Step 271‧‧‧ The client transmits the signing result to the policy signing server Step 275‧‧‧ Client displays the electronic policy Step 282‧‧ ‧ The policy receipt server verifies the receipt result Step 286‧‧ The policy receipt server successfully verifies the receipt result Step 291‧‧ The policy receipt server transmits the receipt result to the policy Service platform steps 295‧‧ ‧ policy service platform records receipt results

The first figure is a system architecture diagram of the invention for verifying the receipt of the policy by a third party to complete the signing. FIG. 2A is a flow chart of a method for verifying the receipt of a policy by a third party to complete the signing according to the present invention. FIG. 2B is a flow chart of a method for the client to query the electronic policy receipt status according to the present invention. FIG. 2C is a flow chart of a supplementary method for the client to read the policy of the policy holder according to the present invention.

Claims (10)

A method for verifying a policy receipt result by a third party to complete the receipt, the method comprising at least the following steps: a policy service platform transmitting the electronic policy to a client; and when the client opens the electronic policy, determining the manner according to the signing mode Whether the electronic policy needs to be signed; when the signing mode indicates that the electronic policy needs to be signed, the client queries the receipt status of the electronic policy according to the policy identification data of the electronic policy; when the receipt status indicates that the electronic policy has not been signed yet The client reads a policy holder certificate and uses the policy holder voucher to sign the electronic policy to generate a receipt result including the policy identification data; the client transmits the receipt result to a policy receipt server; the policy receipt After successfully verifying the receipt result, the server transmits the receipt result to the policy service platform according to the policy identification data included in the receipt result; and the policy service platform receives and records the receipt result. The method for verifying the receipt of the policy by the third party to complete the signing method according to the first aspect of the patent application, wherein the step of the client determining whether the electronic policy needs to be signed according to the signing mode is that the client transmits the policy identification information to The policy receipt server, the policy receipt server transmits the policy identification data to the policy service platform to query the signing mode and return the signing mode to the client. The method for verifying the receipt of the policy by the third party to complete the signing method according to the first aspect of the patent application, wherein the step of the client inquiring the receipt status of the electronic policy according to the policy identification data of the electronic policy is the client Transmitting the policy identification data to the policy receipt server, the policy receipt server transmitting the policy identification data to the policy service platform to query the receipt status and returning the receipt status to the client. The method for verifying the receipt of the policy by the third party as described in claim 1 of the patent application to complete the signing, wherein the method further comprises the client determining that the policy holder does not exist before the client reads the policy of the policy. Transmitting the policy identification data to the policy receipt server, the policy receipt server transmitting the policy identification data to the policy service platform for verification, and when the policy identification data is verified, the policy service platform returns one of the corresponding ones. The policy holder identifies the data to the policy receipt server, and the policy receipt server applies the policy of the policy holder to the certificate registration server according to the policy of the policyholder identification, and transmits the policy of the policy holder to the client installation step. A system for verifying a policy receipt result by a third party to complete the receipt, the system comprising at least: a policy service platform; a client for receiving the electronic policy transmitted by the policy service platform, and when the electronic policy is opened, Determining whether the electronic policy needs to be signed according to the signing mode, and when the signing mode indicates that the electronic policy needs to be signed, querying the receipt status of the electronic policy according to the policy identification data of the electronic policy, and in the signing state When the electronic policy has not been signed, the insurance policy is read, and the electronic policy is used to sign the electronic policy to generate a receipt result, wherein the receipt result includes the policy identification data; and a policy receipt server, Receiving the receipt result transmitted by the client, and verifying the receipt result, and the receipt result for transmitting the successful verification to the policy service platform record. The system for verifying the receipt of the policy by the third party as described in claim 5, wherein the client is further configured to transmit the policy identification data to the policy receipt server, and the policy receipt server is further used. Transmitting the policy identification data to the policy service platform to query the signing mode and returning the signing mode to the client. The system for verifying the receipt of the policy by the third party as described in claim 5, wherein the client is further configured to transmit the policy identification data to the policy receipt server, and the policy receipt server is further used. Transmitting the policy identification data to the policy service platform to query the receipt status and returning the receipt status to the client. The system for verifying the receipt of the policy by the third party as claimed in claim 5, wherein the client further determines that the policy certificate does not exist, and transmits the policy identification data to the policy receipt server. And the policy receipt server is further configured to transmit the policy identification data to the policy service platform for verification, and after the policy identification data is verified, receive the policy identification information returned by the policy service platform, and according to the The policyholder identification data is applied to the voucher registration server for the policy holder certificate, and the policy holder certificate is transmitted to the client to provide the client to install the policy holder certificate. The system for verifying the receipt of the policy by the third party as described in claim 5, wherein the policy service platform is further connected to the policy receipt server to enable the policy signing service. The system for verifying the receipt of the policy by the third party to complete the signing, as described in claim 5, wherein the client is further configured to display or not display according to the signing mode and the connection state with the policy signing server. The electronic policy and the corresponding one of the signing prompt messages.