KR20130033915A - Systems and methods and related business management tools for handling insurance contracts based on cloud computing - Google Patents

Abstract

The system for processing insurance contracts based on cloud computing includes a verification server and a business management tool. The verification server receives an electronic insurance application and an e-mailbox address including insurance data and an electronic signature, checks whether the electronic insurance application satisfies an underwrite condition, and electronically when the acceptance status is satisfied. An insurance policy can be generated and sent to an e-mailbox address. The business management tool receives input of an e-mailbox address, e-signature and insurance data, generates an e-insurance application form including insurance data and e-signature, and verifies the e-insurance application and e-mailbox address via a communication unit. You can send it to the server.

Description

SYSTEM AND METHOD FOR PROCESSING INSURANCE CONTRACTS BASED ON CLOUD COMPUTING, AND RELATED BUSINESS MANAGEMENT TOOL}

This application claims the priority of Taiwan application No. 100133398, filed September 16, 2011.

The present invention relates to systems and methods for processing insurance contracts, in particular systems and methods using cloud computing to process insurance contracts.

Insurance is usually defined legally and economically as a type of risk management aimed at compensating the risk of accidental losses. Insurance may be viewed as transferring the risk of loss from one entity to another in return for payment. In order to ensure the validity of insurance, the purchase of insurance is usually regulated by a standard operating process in which an insurance contract is established to define the obligations and rights between the policyholder (ie the owner of the insurance) and the insurance company. The documents that form an insurance contract may include official insurance policies and insurance applications that define the terms and terms of the insurance.

In conventional prospective customer discovery methods, an insurance company's sales agent usually needs to carry paper documents based on which insurance products are presented and promoted to the customer. Producing an insurance product that best suits your needs usually depends on your dealer's expertise and experience. Once the customer accepts the purchase of the insurance, the dealer needs to have the customer fill out the paper-type insurance application and then sign the insurance application written to comply with the rules prescribed by the insurance authority. have. Your dealer can bring your insurance application back to your insurance company for verification. In accordance with current methods, an office personal can enter application data into a verification computer that can perform the required verification tasks. When the application data passes the verification process, the policy is printed and subsequently mailed to the policyholder.

While insurance companies have attempted to computerize business operating methods from the prospecting customer discovery phase to generate insurance policies, hardware / software solutions suitable for the current business operating flow have not yet been found. Therefore, there is a need for a system that can improve the operational efficiency of the insurance industry and reduce operating costs.

The present application describes systems and methods for processing insurance contracts based on cloud computing.

In one embodiment, the system includes a verification server and a business management tool. The verification server receives an electronic insurance application and an e-mailbox address including insurance data and an electronic signature, checks whether the electronic insurance application satisfies an underwrite condition, and electronically when the acceptance status is satisfied. An insurance policy can be generated and sent to an e-mailbox address. The business management tool may be wirelessly connected to the verification server and includes a communication unit, a tactile screen, a processing unit connected with the communication unit and the tactile screen, and a management program, wherein the management program includes a tactile screen. Receives input of an e-mailbox address, e-signature and insurance data, generates an e-insurance application form that includes insurance data and e-signature, and sends the e-insurance application and e-mailbox address to the verification server via a communication unit. Is executable on the processing unit.

In other embodiments, a method for processing an insurance contract based on cloud computing is described. The method operates in a system including a verification server and a business management tool having a tactile screen, the method comprising: receiving input of an electronic mailbox address, electronic signature and insurance data via the tactile screen of the business management tool; Generating, via the business management tool, an electronic insurance application including insurance data and electronic signature; Sending the electronic insurance application and electronic mailbox address to the verification server; Determining whether the electronic insurance application satisfies the acquisition status; And when the acquisition status is satisfied, generating an electronic insurance policy through the verification server, and sending the electronic insurance policy to the electronic mailbox address.

The present application also describes a business management tool that applies cloud computing to run the insurance business. The business management tool includes a communication unit, a tactile screen, a memory for storing a management program, and a processing unit connected with the communication unit, the tactile screen and a memory. The management program receives input of electronic signatures and insurance data via a tactile screen, generates an electronic insurance application including insurance data and electronic signatures, and triggers the electronic insurance application to trigger the insurance verification process. Executable, on the processing unit.

At least one advantage of the systems and methods described herein is the ability to provide a business management tool that can implement a business operating process using cloud computing. As a result, the waiting time for obtaining approval from the insurer can be reduced, and the amount of papers and documents can be reduced. Therefore, the operating process of the insurance company can be efficiently improved.

1A is a block diagram illustrating one embodiment of a system for processing insurance contracts based on cloud computing.
1B is a block diagram illustrating one embodiment of a business management tool implemented in the system of FIG. 1A.
2 is a flow diagram illustrating a first portion of method steps that are implemented to process insurance contracts in an insurance business operating method.
3 is a flow diagram illustrating a second portion of method steps that are implemented to process insurance contracts in an insurance business operating method.
4 is a flow diagram illustrating a third portion of method steps that are implemented to process insurance contracts in an insurance business operating method.
5 is a flow chart illustrating a fourth portion of method steps that are implemented to process insurance contracts in an insurance business operating method.
6 is a schematic diagram illustrating a business management tool displaying a number of requirement analysis queries.
7 is a schematic diagram illustrating a business management tool for displaying an application document.
8 is a schematic diagram illustrating a business management tool for displaying an unsigned electronic insurance application.
9 is a schematic diagram illustrating a business management tool for displaying a signature area.
10 is a schematic diagram illustrating a business management tool for displaying a signed electronic insurance application in accordance with an appropriate procedure.

With reference to FIG. 1A, a system for processing insurance contracts based on cloud computing includes a needs analysis server 1, a verification server 2, a payment processing server 3 and a number of business management tools. (4) may be included.

The request analysis server 1 can be connected with the Internet 6, receives a number of request parameters, and generates application documents. In one embodiment, the requirements analysis server 1 may be a computer server adapted to execute a computer program to perform the requirements analysis and access the requirements analysis database. Examples of request parameters received by the server 1 may include (but are not limited to) monthly expenses, contracted loans, other insurance amounts, age, desired investment periods, and the like. . The requirement parameters can provide information about the financial condition and risk category of the policyholder. The requirements analysis program can calculate indicator data from the requirements parameters and compare them with predetermined analysis data from the requirements analysis database to generate an application document.

The verification server 2 may receive an electronic insurance application, which may include application data, electronic signature, attached supporting evidence data, payment information, and electronic mailbox address. In one embodiment, the verification server 2 may be a computer server adapted to execute a computer program to perform insurance verification. In alternative embodiments, verification server 2 and requirement analysis server 1 may also be combined into a single computer server configured to execute one or more computer programs to perform requirement analysis and insurance verification. Examples of application data may include, but are not limited to, name, date of birth, ID number, type of insurance applied, level of coverage, health status indicators, and the like. As described in detail below, the electronic signature can be obtained from the business management tool 4. In one embodiment, the supporting evidence data may be an image file that includes a picture of the policyholder and / or an ID card of the policyholder. The payment information may include a credit card number and an authentication number of the credit card.

The verification server 2 may check whether the application data satisfies the underwrite condition. For example, the acquisition status may include various existing information, including insurance data from insurance associations, insurance and damages data from insurance companies, specific name lists, information on health and financial status, etc., to determine if any anomalies exist. It can be evaluated by comparing the information records with the application data. In one embodiment, the verification server 2 is a server database of the insurance association, databases including records of the insurer's blacklists, including historical records of insurance and damages data, and You can connect to multiple remote server databases to perform validation tasks, such as a database in a research center. These verification tasks performed by the verification server 2 are common in current financial and insurance companies.

Once the verification server 2 verifies that the insurance data satisfies the acceptance status, the acceptance result message may be sent to the policyholder's electronic mailbox address to notify that the insurance application has passed the verification procedure. Next, the verification server 2 may transmit insurance data to the payment processing server 3. When the premium has been paid, the payment processing server 3 may return a signal informing that the payment has been completed. As a result, the verification server 2 may generate an electronic insurance policy, and transmit the electronic insurance policy to the policyholder's electronic mailbox address.

In one embodiment, the payment processing server 3 may be a computer server capable of executing a software program to apply a payment process. In the payment process, the payment processing server 3 may connect with a plurality of bank servers to carry out the process of payment by credit card. When the payment processing server 3 receives payment information from the verification server 2, the payment processing server 3 may exchange credit card data with the bank server. If the provided credit card number and authentication code are correct, the payment processing server 3 may send a successful payment message to the verification server 2. In addition to payment by credit cards, the payment processing server 3 may also implement other types of electronic online payment tools, such as PayPal ^™ or Alipay ^™ platforms.

1B and 6, each of the business management tools 4 may wirelessly connect to the request analysis server 1 and the verification server 2 via the Internet 6. In one embodiment, each business management tool 4 is a communication unit 41, a tactile screen 42 capable of displaying an image frame 421, an input unit 43, a processing unit ( 44 and memory 45. The processing unit 44 may be connected with the communication unit 41, the tactile screen 42, the input unit 43 and the memory 45, respectively. The memory 45 may store a software management program 46 executable by the processing unit 44. In one embodiment, the business management tool 4 may be a tablet computer (eg, an iPAD ^™ tablet computer sold by Company Apple Inc.), a laptop computer, or similar portable electronic devices. The communication unit 41 may include a Wi-Fi communication module and / or a third generation (3G) communication module capable of wirelessly connecting with the Internet 6. The tactile screen 42 may illustratively be a capacitive touch screen. The input unit 43 may illustratively include a camera provided in front and / or rear of the tablet computer capable of obtaining supporting evidence data such as a picture of the policyholder and / or an electronic image of the ID card. In one embodiment, the tactile screen 42 may generate an electronic signature by detecting a handwritten signature entered directly on the tactile screen 42 by the policyholder. The signature may be handwritten on the tactile screen 42 using a finger or an adapted style.

The supporting evidence documents required by the insurance authority for certification purposes may vary in different jurisdictions. For example, the evidence information may include fingerprints, voice prints, etc., which may replace electronic images of the policyholder's ID card or photos of the policyholder. Thus, alternative embodiments of the input unit 43 may include a fingerprint acquisition device and / or a microphone to capture fingerprint and / or voiceprint data.

The management program 46 can be configured to run in various operating system environments. Examples of management program 46 include iOS applications that run under an iOS operating system implemented on an iPAD ^™ tablet computer, and iPAD ^™. It may include, but is not limited to, dynamic web pages or web applications executable in a web browser such as the browser Safari on a tablet computer. The management program 46 can be executed on the business management tool 4 to perform the method steps described in detail below.

One embodiment of a method for processing insurance contracts based on cloud computing is now described with reference to FIGS. 1A, 2, and 6.

In an initial step 511, the tactile screen 42 of the business management tool 4 may display an image frame 421. Image frame 421 may show a number of requirement analysis queries. The right side of each query field may include a text window 422 through which a customer or prospective policyholder can enter a financial claim description or parameters. Examples of parameters entered into text window 422 may include (but are not limited to) monthly living expenses, loans, other insurance amounts, age, desired investment periods, and the like.

In step 512, the customer can use the simulated keyboard (not shown) displayed on the business management tool 4 to sequentially enter the request parameters in the text window 422, so that the business management tool 4 May receive the request parameters via tactile screen 42.

In step 513, the business management tool 4 may send the request parameters to the request analysis server 1 via the Internet 6.

In step 514, the analysis program converts the entered request parameters into indicator data and compares it with existing data stored in the request analysis database, thus requesting server 1 to generate an application document with quotations in electronic format. Can be run on.

In step 515, the request analysis server 1 may send the application document 422 to the business management tool 4.

1A, 2, and 7, in step 516, the tactile screen 42 of the business management tool 4 is associated with an application document 422 and an application document 422. "And" do not agree "icons 423, 424 may be displayed in the image frame 421. In some embodiments, the insurance required by the customer may illustratively include an investment-oriented insurance plan. In such a case, the application document 422 may list the investment funds that may be associated with the policy. It should be noted that the application document 422 is not limited to the above example. If the customer wishes to purchase other types of insurance policies, such as accident insurance, health insurance, or pension insurance, the application document 422 also provides for damage items, total amount of damages, and restriction clauses for review by the customer. restriction clauses can be listed.

The customer can determine whether to purchase an insurance policy based on the content of the application document 422. To this end, the business management tool 4 may detect whether the "agree" icon 423 is selected on the tactile screen 42. When the selection of the "non-agree" icon 424 is detected (ie, when the "agree" icon 423 is not selected), in step 513, the business management tool 4 is not only request parameters, but also a new one. The application request can be resent to the request analysis server 1. In step 514, request analysis server 1 may generate another application document according to the received request parameters and the new request. In this way, the customer can quickly receive the application documents. Although the initial application does not obtain the customer's approval, the request analysis server 1 can quickly create and provide new applications for the customer's review. As the application document 422 is displayed through the business management tool 4, the contents of the policy can be explained to the customer in a clearer and more interactive manner.

Referring to FIGS. 1A and 3, when the "I agree" icon 423 (shown in FIG. 7) displayed on the business management tool 4 is selected, the tactile screen 42 is used for information entry. Multiple input fields can be displayed. The customer can then enter a number of data needed for the policy by touching the tactile screen 42, such as insurance-related data, payment information, and an electronic mailbox address. Moreover, the business management tool 4 can receive supporting evidence documents captured through the input unit 43 shown in FIG. The input unit 43 may illustratively be a camera provided to a tablet computer, and the supporting evidence documents captured by the input unit 43 may be on-site, such as a picture of the policyholder and images of the ID card. -site) can contain image files.

At step 518, business management tool 4 may display a request on tactile screen 42 requesting whether the electronic signature is used to execute the insurance application. When the customer selects the "non-agree" icon, in step 519, the business management tool 4 may detect the corresponding signal from the tactile screen 42 and then send the insurance application to the printer. The insurance application may then be printed on paper for handwriting signature by the policyholder.

If the customer selects the "Accept" icon, at step 520, the business management tool 4 may detect the corresponding signal from the tactile screen 42 and then receive an entry for the electronic signature. In particular, with reference to FIGS. 1A, 3, and 8, an image frame 421 displayed on the tactile screen 42 is illustratively shown as a "signature of the policyholder" field, "signature of the policyholder" field, and " And a window portion 425 and a number of signature fields, including the "Legal Representative Signature" field. The window portion 425 can display an electronic insurance application including data previously entered by the customer. When the "Signature of the policyholder" field 426 is selected, the image frame 421 may be changed to display the electronic signature area 427 as shown in FIG. The policyholder can sign on the tactile screen 42 using a finger or a stylus. After the signature is executed, a "confirm" icon 428 may be selected, and then the input unit 43 may take a picture of the policyholder and / or the policyholder's ID to obtain supporting evidence documents. You can capture an image of a card. After the acquisition of the electronic signature and supporting evidence documents is completed, each of the signature fields 426 shown in the image frame 421 may include the electronic signature and associated evidence data.

In some embodiments, each of the electronic signatures may be stored as an image file. Moreover, when the signature is executed, the tactile screen 42 can also detect the pressure exerted at each stroke to generate biometric data. The business management tool 4 may encrypt the biometric data (e.g., by applying RST (Rivest, Shamir and Adleman) or AES (Advanced Encryption Standard) encryption algorithms) for secure storage.

It can be appreciated that the previously described signature fields 426 are provided for illustrative purposes only. According to the requirements defined by the insurance authority, only one signature field 426 may be provided to obtain one single electronic signature. Moreover, supporting evidence data is not limited to the examples described above, and may also include fingerprints, glottal and retinal patterns. Thus, the input unit 43 may also include a fingerprint acquisition module, a voiceprint acquisition module and a retinal pattern acquisition module.

In step 521, the business management tool 4 may generate an electronic insurance application including the entered data and the electronic signature (which may include an image file of the electronic signature with associated biometric data), supporting evidence Accompany the documents. It should be noted that the evidence documents may not be mandatory, in which case the business management tool 4 may only generate an electronic insurance application containing the policyholder's electronic signature and insurance data. In some embodiments, hash functions may also be applied to store an electronic insurance application as a secure Portable Document Format (PDF) file or Tagged Image File Format (TIFF) file to prevent malicious modification. Examples of hash functions may include (but are not limited to) the Secure Hash Algorithm (SHA) method. Next, the business management tool 4 may send the electronic insurance application to the policyholder's electronic mailbox address to notify that the application process has been completed.

In a next step 522, the business management tool 4 quickly sends an electronic insurance application with supporting evidence data, an e-mailbox address and payment information to the verification server 2 to initiate the acquisition and subsequent subprocesses. Can be.

1A and 4, the verification server 2 may perform a number of verification steps during the acquisition process. For example, in step 523, the verification server 2 may compare the data in the electronic insurance application with the data records from the existing database. To this end, the verification server 2 may be connected to the server database of the insurance association, the server database inside the insurance company, including historical records of insurance and damages data, and to a database including records of the insured's blacklists, for example. .

In step 524, the verification server 2 may verify health and financial conditions. In some embodiments, the verification server 2 may be connected to a server database of the inspection center, so as to load physical inspection data that can be compared with the data contained in the insurance application. It is understood that the steps 523, 524 may be performed in any sequential order or in parallel.

In step 525, based on the inspection results of steps 523 and 524, the verification server 2 may determine whether the electronic insurance application satisfies the acceptance status. When the acceptance status is not satisfied, the verification server 2 may send a rejection message to the electronic mailbox address to reject the insurance application. In the meantime, the verification server 2 may also send a message to the responsible dealers for subsequent services.

If the insurance data satisfies the acceptance status, at step 527, the verification server 2 may store the electronic insurance application, electronic mailbox address and payment information. Furthermore, the verification server 2 may generate and send an acceptance result message to the electronic mailbox address to notify the policyholder that the insurance application has passed the verification process.

1A and 5, after the acceptance process is successfully completed, at step 528, the verification server 2 may send payment information to the payment processing server 3 to trigger the payment process. Assuming payment is made by credit card, payment processing server 3 may interact with the server bank to proceed with credit card authorization. The payment processing server 3 may then receive a return signal indicative of the status of the payment, such as a successful deduction, a failed deduction or an insufficient balance. Upon receipt of a successful payment message, the payment processing server 3 can generate a written payment message. In one embodiment, this payment process may illustratively be similar to conventional payment processes by credit card.

Next, in step 529, the payment processing server 3 may send the written payment message to the verification server 2.

In step 530, according to the created payment message, the verification server 2 may determine whether the payment information satisfies the payment status. In one embodiment, the payment status may be defined as whether or not the payment was made within a predetermined time period (eg, 10 days) from the date of issue of the acceptance result to the policyholder's electronic mailbox address. If the payment status is not satisfied, at step 531, the verification server 2 may send a request message to the dealers and the policyholder's electronic mailbox address to urge the settlement of the unpaid premium.

When the payment status is satisfied, this means that the insurance application has been approved and the payment of the premium has been completed. Thus, in step 532, verification server 2 may generate an electronic insurance policy.

In step 533, the verification server 2 may send the electronic insurance policy to the policyholder's electronic mailbox address.

The business management tools described herein can implement a business operating process that can be executed from customer market research to generation of electronic insurance policies. In certain embodiments, the business management tool may be provided to a dealer as a tablet computer. Business management tools can apply cloud computing, can wirelessly connect to remote servers via the Internet to generate application documents and electronic insurance applications, and can trigger downstream acquisition and payment processes. Thus, a dealer using a management tool can more efficiently provide applications for insurance products that meet the customer's financial needs. Moreover, business management tools can generate a complete electronic insurance application and trigger the acquisition process online. As a result, the waiting time for approval from the insurer can be reduced, the paper format and document volume can be reduced, and the insurer's operating process can be efficiently improved.

Accordingly, implementations in accordance with the present invention have been described with reference only to specific embodiments. These embodiments are intended to be illustrative and not restrictive. Many variations, modifications, additions and improvements are possible. Thus, multiple instances may be provided for the components described herein as a single instance. Structures and functionality presented as separate components in example configurations may be implemented as a combined structure or component. These and other variations, modifications, additions and improvements may fall within the scope of the invention as defined by the following claims.

Claims (20)

A system for processing insurance contracts based on cloud computing,
A verification server, and a business management tool adapted to connect to the verification server;
The verification server,
Receive an e-insurance application and e-mailbox address, including insurance data and e-signature,
Check that the electronic insurance application satisfies an underwrite condition, and
Generate an electronic insurance policy and send it to the electronic mailbox address when the acquisition status is satisfied;
The business management tool includes a communication unit, a tactile screen, a processing unit connected with the communication unit and the tactile screen, and a management program,
The management program,
(a) receiving the input of the electronic mailbox address, the electronic signature and the insurance data via the tactile screen,
(b) generate the electronic insurance application including the insurance data and the electronic signature, and
(c) a system for processing an insurance contract executable on the processing unit to send the electronic insurance application and the electronic mailbox address to the verification server via the communication unit. 2. The system of claim 1, further comprising a needs analysis server;
The request analysis server,
Connected to the business management tool,
Receive a number of request parameters, and
Is adapted to generate an application document;
Before step (a), the business management tool,
(d) receive input of the request parameters via the tactile screen,
(e) sending the request parameters to the request analysis server through the communication unit,
(f) receive the application document from the request analysis server through the communication unit,
(g) display a consent icon associated with the application document on the tactile screen, and
(h) further configured to detect whether the consent icon is selected;
When step (h) detects the selection of the consent icon, step (a) is subsequently performed such that the tactile screen receives the input of the electronic mailbox address, the electronic signature and the insurance data, System for processing insurance contracts. The method of claim 2 wherein between step (h) and step (a),
The business management tool,
(i) after step (h) detects that the consent icon is not selected, sends a new application request to the request analysis server through the communication unit, so that the request analysis server makes a new application based on the insurance data. A system for processing an insurance contract, further configured to generate a document. 2. The system of claim 1, further comprising a payment processing server adapted to connect with the verification server,
The business management tool further receives payment information in step (a) and transmits the payment information to the verification server via the communication unit in step (c) so that the verification server pays the payment information. Is adapted to check through the payment processing server whether a condition is satisfied, wherein the verification server generates the electronic insurance policy when the electronic insurance application satisfies an acquisition status and the payment information satisfies the payment status, System for processing insurance contracts. The method of claim 1, wherein after the step (c), the business management tool,
(j) further configured to send the electronic insurance application to the electronic mailbox address. 2. The system of claim 1, wherein the verification server is further configured to send an acceptance result message to the electronic mailbox address. The system of claim 1, wherein the business management tool further comprises an input device adapted to obtain supporting evidentiary data attached to the electronic insurance application. A method for processing an insurance contract based on cloud computing,
The method operates on a system comprising a verification server and a business management tool having a tactile screen,
The method comprises:
(a) receiving input of the electronic mailbox address, the electronic signature and the insurance data via a tactile screen of the business management tool;
(b) generating, via the business management tool, an electronic insurance application including the insurance data and the electronic signature;
(c) sending the electronic insurance application and the electronic mailbox address to the verification server;
(d) determining, via the verification server, whether the electronic insurance application satisfies an acquisition status; And
(e) generating an electronic insurance policy through the verification server and transmitting the electronic insurance policy to the electronic mailbox address when the acceptance status is satisfied. The method of claim 8, wherein before step (a),
(f) receiving input of a plurality of request parameters via a tactile screen of the business management tool;
(g) sending the request parameters from the business management tool to a request analysis server;
(h) generating, through the request analysis server, an application document based on the request parameters, and transmitting the application document to the business management tool;
(i) receiving, through the business management tool, the application document;
(j) displaying the application document and a consent icon associated with the application document on a tactile screen of the business management tool; And
(k) detecting whether the consent icon is selected on the tactile screen;
When step (k) detects selection of the consent icon, step (a) is subsequently performed to receive input of the electronic mailbox address, the electronic signature and the insurance data via the tactile screen. Method for processing an insurance contract. 10. The method of claim 9, between steps (k) and (a),
(l) sending a new application request from the business management tool to the request analysis server when the consent icon is not selected: and
(m) in response to the new application request, generating a new application document based on the insurance data via the request analysis server. 9. The method of claim 8, wherein step (a) further comprises receiving payment information via the business management tool;
Said step (d) further comprises checking whether said payment information satisfies a payment status via a payment processing server; And
The step (e) further comprises generating the electronic insurance policy through the verification server when the electronic insurance application satisfies the acceptance status and the payment message satisfies the payment status. Way. The method of claim 8, wherein, between steps (c) and (d),
(n) sending the electronic insurance application form from the business management tool to the electronic mailbox address. 9. A method according to claim 8, wherein between steps (d) and (e)
(o) after the insurance data of the electronic insurance application has been examined by the verification server, sending a result of a receipt message to the electronic mailbox address. 9. The method of claim 8, wherein step (a) further comprises receiving supporting evidence data through an input unit of the business management tool;
The step (b) further comprises attaching to the supporting evidence data in the electronic insurance application. As a business management tool that applies cloud computing to run the insurance business,
Communication unit;
Tactile screen;
A memory for storing management program code; And
A processing unit coupled to the communication unit, the tactile screen and a memory;
The management program code is,
(a) receiving electronic signature and insurance data input via the tactile screen;
(b) generate an electronic insurance application including the insurance data and the electronic signature, and
(c) executable on the processing unit, to transmit the electronic insurance application to trigger an insurance verification process. 16. The method of claim 15,
(d) receive a plurality of request parameters via the tactile screen,
(e) send the request parameters and receive a corresponding application document,
(g) display the consent icon associated with the application document, and
(h) further configured to detect whether the consent icon is selected;
And the tactile screen receives an electronic signature response and input of the insurance data after selection of the consent icon is detected. 17. The business management tool of claim 16, further configured to send a new application request and the request parameters via the communication unit when it is detected that the consent icon is not selected. 16. The method of claim 15, further comprising: receiving payment information in step (a); And
And further configured to transmit the payment information in step (c). 16. The method of claim 15, wherein in step (a), an electronic mailbox address is received via the tactile screen; And
In step (c), further configured to transmit the electronic insurance application to the electronic mailbox address via the Internet. 16. The business management tool of claim 15 further comprising an input unit coupled with the processing unit, wherein the input unit is configured to obtain supporting evidence data attached to the electronic insurance application generated by the processing unit.

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