TWM603588U - Insurance transaction data processing device with multiple identity authentication and transaction confirmation - Google Patents

Abstract

An insurance transaction data processing device with multiple identity authentication and transaction confirmation is used for scanning one or more certificate pages of the identity certificate and taking real-time personal photos of insurance transaction users. After verifying the identity of the insurance transaction user by comparing the real-time personal photos and the certificate photos on the certificate page, the subsequent insurance transaction filling page, insurance transaction and transaction signature are executed. During the process and perform signature verification video to ensure that insurance transaction users conduct insurance transactions and sign after fully reading the insurance content. The photos, videos or other information obtained during the transaction can be packaged into a blockchain information and uploaded to a blockchain network, so that the identity verification and transaction confirmation information are undeniable.

Description

Insurance transaction data processing device with multiple identity authentication and transaction confirmation

The present invention relates to user identity authentication for network transactions, in particular to an insurance transaction data processing device with multiple identity authentication and transaction confirmation.

The current laws and regulations stipulate that insurance transactions are conducted through the Internet or telephone. Some simple types of insurance can establish an insurance contract after obtaining a record of the insured's consent (such as verbal consent recording, OTP, natural person certificate, etc.). However, the above method has the flaw that it is impossible to fully confirm that the person who sent the message is the claimant.

However, life insurance transactions (contract formation) involve the need for individual confirmation. In order to avoid the occurrence of false insurance fraud incidents and harm innocent lives, the identity of the insured person and the insured person must be personally sent by the insurance company staff to compare the identity and the insured person to confirm the insured person’s identity. The authenticity of the identity of the person and the insured. At the same time, the signature of the contract must also be confirmed by the insured or the insured. At the same time, the insured and the insured are required to be at least fully informed of the important contents of the insurance contract. Therefore, for personal insurance transactions, the regulations still require that the personnel of the insurance company must meet the insured/the insured person to perform (personal meeting) to ensure that the above requirements can be fully implemented. It is not possible to conduct insurance transactions through the Internet throughout the entire process, resulting in considerable inconvenience for such insurance transactions. However, in the digital age of the Internet, the compulsory approach to transactions involving personal meetings and personal signatures has gradually fallen short of the trend of the times.

In view of the above problems, this new model proposes an insurance transaction data processing device with multiple identity authentication and transaction confirmation, which is used to confirm the identity and identity of an insurance transaction user in an insurance transaction (regardless of whether it is seen by business personnel or in an online transaction mode). Confirmation and deposit of transaction content.

The insurance transaction data processing device with multiple identity authentication and transaction confirmation is used for confirming an identity of an insurance transaction user in an insurance transaction, and generating a block chain information to transmit to a block chain network; having multiple identity authentication The insurance transaction data processing device for transaction confirmation includes an image capture module, a processor, a memory module, a display interface, a touch input interface and a network connection module.

The image capture module is used to scan one or more document pages of an identity document, and is used to take a real-time personal photo of the insurance transaction user; one or more of the document pages include at least a document photo and personal identification data.

The memory module includes a combination of a volatile memory and a non-volatile memory for storing an application program.

The processor is used to load and execute an application program to perform an optical character recognition operation on one or more document pages and analyze personal identification data; wherein the image capture module and the memory module are electrically connected to the processor.

The display interface is electrically connected to the processor to display images according to a display signal generated by the processor; among them, the display interface is used to display a page for filling in insurance information, and the page for filling in insurance information contains multiple data filling fields and insurance transactions Fields; among them, one or more data filling fields related to personal identification data are automatically brought into the corresponding data filling fields by the processor based on personal identification data.

The touch input interface is electrically connected to the processor and combined with the display interface. The touch input interface is used to receive the input process of the insurance transaction user in a dynamic handwriting completed signature mode and a transaction signature.

The network connection module is electrically connected to the processor for uploading blockchain information to the blockchain network.

Among them, after the processor drives the display interface to display a set of randomly generated identification passwords, it drives the image capture module to photograph the insurance transaction user's face to perform a face recognition to identify whether the insurance transaction user in the real-time personal photos and ID photos match , And confirm that the person who reads the identification password is a real living person instead of a photo; among them, the processor drives the display interface to provide a signature field, and the touch input interface receives the transaction signature; the processor generates a signature verification video , Including a dynamic image of the face of the insurance transaction user, a read voice read by the insurance transaction user, and a transaction signature; wherein the processor drives the display interface to display multiple insurance content confirmation strings to provide important content of the insurance transaction, Prompt the insurance transaction user to read it out aloud, and drive the display interface to display a designated confirmation button for the insurance transaction user to click to record the certificate after reading out each insurance content confirmation string; the processor generates an insurance content confirmation video accordingly, Contains another facial dynamic image where the insurance transaction user reads multiple insurance content confirmation strings, another readout voice, and the action of clicking the designated confirmation button, and is connected with real-time personal photos, one or more certificate pages, and insurance content confirmation Video recording and transaction signatures are packaged into blockchain information to upload blockchain information to the blockchain network through the network connection module.

Through the new type of insurance transaction data processing device with multiple identity authentication and transaction confirmation, the identification of the applicant can be fully implemented, and major personal-related insurance transactions can be conducted through the Internet in a reliable manner, without the need The insurer meets with the insurance clerk to confirm the identity, which makes the insurance transaction process more convenient, and it can also ensure that the person who sends the identity authentication and transaction information is the person involved. In addition, to fill in the insurance information page, you can use optical character recognition to obtain relevant information from one or more document pages of the identity certificate, and automatically bring the information to the insurance information page to reduce the data filling time.

Please refer to FIG. 1 to FIG. 5, which is an insurance transaction data processing device 100 with multiple identity authentication and transaction confirmation disclosed by the new embodiment. The data processing device 100 acts as a front end to execute an insurance transaction method with multiple identity authentication and transaction confirmation. The data processing device 100 has at least an image capture module 110, a processor 120, a memory module 130, a display interface 140, a touch input interface 150, and a network connection module 160. The image capturing module 110, the memory module 130, the display interface 140, the touch input interface 150, and the network connection module 160 are electrically connected to the data processing device 100, respectively.

As shown in FIG. 1, the data processing device 100 can be, but is not limited to, a smart phone, a tablet computer, a notebook computer, or a desktop computer connected to a webcam. The image capturing module 110 is a built-in lens of the aforementioned device or an external network camera. The memory module 130 includes a combination of volatile memory and non-volatile memory, and is used to store an application program for loading and execution by the processor 120 to execute an insurance transaction method with multiple identity authentication and transaction confirmation. The display interface 140 is used for displaying images according to the display signal generated by the processor 120. The touch input interface 150 is used to accept touch input, including the input of a transaction signature and a designated confirmation key displayed by clicking with a finger. The touch input interface 150 can be combined with the display interface 140 to form a touch display panel, especially a touch display panel used in a smart phone or a tablet computer. The network connection module 160 is used to connect to a blockchain network 200 via the Internet to upload or download information.

As shown in FIGS. 2 to 5, the steps of the data processing device 100 executing the insurance transaction method with multiple identity authentication and transaction confirmation are as follows.

As shown in FIG. 2 and FIG. 6, first, when an insurance transaction user operates the data processing device 100 to perform an insurance transaction, he first places his identity certificate ID on a work plane (for example, a desktop), as shown in step S112. The identity document ID can be a national identity card, passport or other travel document that can be used to identify identity. The identity document ID has at least a document photo P11 that can identify the facial features of the insurance transaction user (such as a frontal half-length photo, a portrait photo), personal identification data, and anti-counterfeiting marks.

The aforementioned personal identification information includes, but is not limited to, direct identification information such as personal name, gender, date of birth, identification code (such as ID card number, passport number or US social security number), etc. It can also include address, name of relatives, birth Indirect identification data such as land. The anti-counterfeiting mark can be, but not limited to, optical variable ink printing, holographic image, anti-counterfeiting thread embedding, etc. For example, the anti-counterfeiting mark of my country's national ID card uses watermarks, window-type micro-character security lines, laser perforated patterns, embossed touch graphics, transparent visual change devices, optical variable ink printing and other explicit or implicit anti-counterfeiting marks, at least There is more than one type that can be captured by the image capturing module 110 and used to determine the authenticity of the identity certificate ID. In addition, the identity document ID will also contain information such as the date of issuance, the place of issuance, and the number of times the certificate is collected.

Then, as shown in FIG. 2, one or more document pages P1, P2 of the identity document ID are scanned by the image capturing module 110, and one or more document pages P1, P2 include the document photo P11, personal identification data, and defense Forged marks, and the ID photo P11 contains the facial features of the insurance transaction user, as shown in step S114.

The data processing device 100 analyzes the anti-counterfeiting marks in one or more document pages P1 and P2 to perform an anti-counterfeiting test, as shown in S116. If the identity document ID does not have an anti-counterfeiting mark that can pass the anti-counterfeiting test, the data processing device 100 displays that it does not pass the anti-counterfeiting test through the display interface 140, and prompts to rescan or change the identity document ID, as shown in step S118, and Return to step S112.

As shown in Figures 2 and 6, if the identity document ID passes the anti-counterfeiting test, the data processing device 100 performs an optical character recognition (OCR) operation on one or more document pages P1 and P2 to analyze personal identification Data, as shown in step S120. Then, the data processing device 100 displays the parsed personal identification data through the display interface 140 for the insurance transaction user to confirm whether the personal identification data is correct, as shown in step S122. If it is not correct, receive the manual modification input of the insurance transaction user to modify the parsed personal identification data, as shown in step S124; or return to step S120 to perform the OCR operation again.

As shown in FIG. 6, the display interface 140 can respectively display a scanning area and a data area, where the scanning area contains one or more document pages P1 and P2 of the retrieved identity document ID, and the data area contains the parsed personal identification data. . As mentioned earlier, the personal identification data in the data area can be manually modified after the insurance transaction user's manual modification input.

As shown in FIGS. 2 and 7, the data processing device 100 then uses the image capturing module 110 to take a real-time personal photo P3 of the insurance transaction user. The real-time personal photo P3 is also taken in the form of a frontal half-length photo or a headshot. To include the facial features of the insurance transaction user, as shown in step S126. During the shooting process, the data processing device 100 can synchronously display the image range captured by the image capturing module 110 with the display interface 140, so that the insurance transaction user can confirm that the facial features of the insurance transaction user fall into the recognition block.

As shown in Figures 3 and 8, the data processing device 100 compares the instant personal photo P3 and the ID photo P11 to identify whether the insurance transaction user in the instant personal photo P3 and the ID photo P11 is consistent to perform identity certificate verification. Shown in S128.

The recognition method is to compare the facial features of the insurance transaction user of the instant personal photo P3 and the ID photo P11. If the similarity ratio exceeds a threshold, it is determined that the instant personal photo P3 and the ID photo P11 match the insurance transaction user. Pass the ID verification and proceed to the next step. If it is determined that the insurance transaction user of the real-time personal photo P3 and the ID photo P11 do not match, the ID verification is not passed, and a message is displayed on the display interface 140 to prompt that the ID verification failed, such as step S129, and return to the aforementioned S112 or S126, here Take the return to step S114 to rescan the identity document ID as an example.

At this point, the identity of the insurance transaction user has been confirmed, so the insurance transaction process can continue.

As shown in FIG. 3 and FIG. 9, at this time, the data processing device 100 uses the display interface 140 to display a page for filling in the insurance data, as shown in step S130. The required data entry page contains multiple data entry fields and insurance transaction fields. Among them, one or more data entry fields related to personal identification data are automatically brought into the corresponding fields by the data processing device 100 based on the personal identification data. Fill in the data fields. Generally, the data fill-in fields on the page for filling in the insured information include the insured's information and the data fill-in fields for the insured's information. The insured is usually an insurance transaction user, so some or all of the data filling fields of the insured's data can be directly imported by the data processing device 100 based on personal identification data. If the insured is the same as the insured, the corresponding information can be omitted or automatically brought in based on the same personal identification data; if the insured is different from the insured (that is, the insurance transaction user), the input of the insured data will be accepted. Fill in one or more data filling fields, as shown in step S131. The data processing device 100 displays the insurance contract through the display interface 140, as shown in step S132.

The insurance transaction field includes the beneficiary field, the coverage amount field, and the policy number or renewal number. The policy number or renewal number is usually generated by the data processing device 100 according to a certain encoding rule, or obtained from the cloud server after connecting to the cloud server. The beneficiary column and the underwriting amount column can take the form of options, and provide limited options for insurance transaction users to choose. For example, the beneficiary field may only provide three limited options for father, mother, and spouse, and the underwriting amount field may only provide two or three amount options, or even the default option that only provides a single amount depending on the type of insurance and cannot be changed.

The insurance type part can be pre-determined when the authentication data creation process starts, that is, the insurance transaction user has already decided which insurance type, before starting the authentication information creation process. You can also provide options before displaying the insurance requirements, or provide options in the insurance requirements.

The insurance transaction field can also contain other confirmation fields, such as whether the policy is automatically renewed at the end of the policy, whether to insure other insurances, whether there is a disability manual, whether there is a major injury, etc., which may affect the review of the insurance contract. Options are for insurance transaction users to choose, or provide input fields for insurance transaction users to input data.

As shown in Figures 3 and 10, in order to ensure that subsequent user signatures and even the entire transaction are performed by the insurance transaction user, the data processing device 100 first displays a randomly generated identification password through the display interface 140 to prompt the insurance transaction user interface The image capturing module 110 is read out aloud, as shown in step S134; the identification password can be a simple combination of numbers (for example, 1234).

The data processing device 100 simultaneously photographs the insurance transaction user to perform a face recognition, and confirms that the object of reading the identification password is the insurance transaction user, so as to confirm that the object of reading the identification password is a real living person, as shown in step S136. If the face recognition fails, it is prompted that the signature verification fails, as shown in step S138.

As shown in FIG. 4, next, the data processing device 100 performs image analysis and voice analysis on the signature verification video, analyzes mouth movements, performs voice analysis on the read voice, and analyzes the corresponding voice text, as shown in step S142 and step S144 .

As shown in FIG. 8, in face recognition, it is possible to first compare whether the taken insurance transaction user is consistent with the insurance transaction user in the certificate photo P11, and if not, it is determined that the signature verification fails.

As shown in FIGS. 4 and 10, the data processing device 100 then provides a signature field through the display interface 140 for the insurance transaction user to sign through the touch input interface 150, as shown in step S140. In the case of using a smart phone or a tablet computer as the data processing device 100, the display of the data processing device 100 is a touch interface and can be used for handwriting input, that is, the touch input interface 150 is combined with the display interface 140, so it is safe The transaction user can directly sign the user on the signature field of the displayed image. If a notebook computer or a desktop computer is used as the data processing device 100, an external handwriting pad is required as the touch input interface 150.

Through the touch input interface 150, the data processing device 100 receives the transaction signature input by the insurance transaction user in the form of handwritten signature, as shown in step S142.

The data processing device 100 can synchronously use the image capture module 110 to record a dynamic image of the face of the insurance transaction user, and synchronously use the microphone to receive a readout sound uttered by the insurance transaction user to generate a signature verification video, such as This is shown in step S144. The aforementioned signature verification video can be continuously executed, and the entire dynamic process of entering the signature into the field and the transaction signature is embedded in the signature verification video. That is, the signature verification video contains the dynamic image of the face of the insurance transaction user, the read-out voice uttered by the insurance transaction user, and the entire transaction signature process and signature style.

Confirm that the person who reads the identification password is a real living person. You can verify whether the mouth movement, voice text, and identification password in the video are consistent by comparing the signature. If they are consistent, it means that the object is a real surviving person; if they are inconsistent, it is possible that the film in the recording is fraudulent, and the signature verification fails, as shown in step S138.

Then, the data processing device 100 displays an insurance contract (or an insurance policy) through the display interface 140, as shown in step S146.

As shown in FIGS. 4 and 11, finally, the data processing device 100 displays one or more insurance content confirmation strings through the display interface 140, prompting the insurance transaction user to read out aloud when facing the image capturing module 110, as in step S148 Show. The insurance content confirmation string is an important part of the transaction content, including personal name, insurance type, insurance amount, insurance salesperson's name, important contract items and risk descriptions that the insurance salesperson needs to inform.

As shown in Figure 5 and Figure 11, the data processing device 100 uses a designated confirmation button on the display interface 140 for the insurance transaction user to read out each insurance content confirmation string aloud, click to confirm with a finger, and record the click image, as shown in the steps Shown in S150.

As shown in FIG. 5, the data processing device 100 then uses the image capturing module 110 to capture another dynamic image of the face of the insurance transaction user reading the insurance content confirmation string, and synchronously uses the microphone to receive another audible and read The sound is read, and the click image of clicking the designated confirmation key is captured to generate an insurance content confirmation video containing the insurance transaction user reading the insurance content confirmation string, as shown in step S152.

The insurance content confirmation video is mainly used to deposit certificate insurance transaction users who have been notified and agree to the relevant important matters of the insurance content, that is, only perform the insurance content confirmation video deposit certificate.

As shown in Fig. 1 and Fig. 5, finally, the data processing device 100 associates real-time personal photos, one or more certificate pages P1, P2, insurance content confirmation videos, signature verification photos, and transaction signatures, which are packaged into a block chain information. Encryption calculation is performed to generate a block chain number value and a hash value (hash), which are uploaded to the block chain network 200, as shown in steps S154 to S156.

After uploading to the blockchain network 200, the blockchain network 200 can push a message to the personal communication device (such as mobile phone) or network communication account (such as email) of the insurance transaction user to provide transaction completion prompts and zones. Block chain number value.

In the future, if the same insurance transaction user wants to add other insurance types, modify the content of the insurance policy, change personal information (communication methods, etc.), the data processing device 100 can input the blockchain number value, or the data processing device 100 can take a personal instant photo. Connect to the blockchain network 200 to obtain the blockchain information that meets the aforementioned personal real-time photo or the blockchain number value to view the content of the insurance policy and conduct other transactions.

Through the insurance transaction data processing device 100 with multiple identity authentication and transaction confirmation of the present invention, the identification of the applicant and the insured can be fully implemented, and the important personal-related matters can be carried out through the Internet in a reliable manner. In insurance transactions, there is no need for the insurer to meet with the insurance salesperson to confirm the identity, which makes the insurance transaction process more convenient. Also, because the important transaction process has a video record, it can greatly reduce the occurrence of future disputes. In addition, to fill in the insurance information page, you can use optical character recognition to obtain relevant information from one or more document pages of the identity certificate, and automatically bring the information to the insurance information page to reduce the data filling time.

100: Insurance transaction data processing device with multiple identity authentication and transaction confirmation 110: Image capture module 120: processor 130: memory module 140: display interface 150: Touch input interface 160: network connection module 200: Blockchain network ID: Identity document P1, P2: Credential page P11: ID photo P3: Instant personal photos S112~S156: steps

Fig. 1 is a circuit block diagram of an insurance transaction data processing device with multiple identity authentication and transaction confirmation, which is used to execute the insurance transaction with multiple identity authentication and transaction confirmation of the present invention. 2 to 5 are flowcharts of the insurance transaction data processing device with multiple identity authentication and transaction confirmation of the present invention. Fig. 6 is a schematic diagram of obtaining an identity certificate page and analyzing personal identification data in the insurance transaction data processing device with multiple identity authentication and transaction confirmation of the present invention. Fig. 7 is a schematic diagram of taking real-time personal photos of insurance transaction users in the insurance transaction data processing device with multiple identity authentication and transaction confirmation of the present invention. Fig. 8 is a schematic diagram of comparing real-time personal photos and ID photos in the insurance transaction data processing device with multiple identity authentication and transaction confirmation of the present invention. Fig. 9 is a schematic diagram of the data filling page in the insurance transaction data processing device with multiple identity authentication and transaction confirmation of the present invention. Fig. 10 is a schematic diagram of signature verification video in the insurance transaction data processing device with multiple identity authentication and transaction confirmation of the present invention. FIG. 11 is a schematic diagram of insurance content confirmation video in the insurance transaction data processing device with multiple identity authentication and transaction confirmation of the present invention.

100: Insurance transaction data processing device with multiple identity authentication and transaction confirmation

110: Image capture module

120: processor

130: memory module

140: display interface

150: Touch input interface

160: network connection module

200: Blockchain network

Claims (10)

An insurance transaction data processing device with multiple identity authentication and transaction confirmation is used to confirm an identity of an insurance transaction user in an insurance transaction, and generate a block chain information to transmit to a block chain network; The insurance transaction data processing device for multiple identity authentication and transaction confirmation includes: An image capture module for scanning one or more document pages of an identity document, and for taking a real-time personal photo of the insurance transaction user; wherein the one or more document pages include at least a document photo and a person identification data; A memory module including a combination of a volatile memory and a non-volatile memory for storing an application program; A processor for loading and executing the application program to perform an optical character recognition operation on the one or more document pages and analyze the personal identification data; wherein, the image capture module and the memory model The group is electrically connected to the processor; A display interface, electrically connected to the processor, to display an image according to a display signal generated by the processor; wherein the display interface is used to display an insurance information filling page, and the insurance information filling page contains multiple data Fill in the fields and insurance transaction fields; among them, one or more of the data fill-in fields related to the personal identification data are automatically brought into the corresponding data fill-in fields by the processor based on the personal identification data; A touch input interface electrically connected to the processor and combined with the display interface, the touch input interface being used for receiving the insurance transaction user’s input process and a transaction signature by dynamic handwriting completion; and A network connection module, electrically connected to the processor, for uploading the blockchain information to the blockchain network; Wherein, after the processor drives the display interface to display a set of randomly generated identification passwords, it drives the image capture module to shoot the insurance transaction user's face for a face recognition to identify the instant personal photo and the ID photo Whether the insurance transaction user is consistent, and confirm that the person who reads the identification password is a real living person instead of a photo; Wherein, the processor drives the display interface to provide a signature field, and uses the touch input interface to receive the transaction signature; the processor generates a signature verification video, including a facial dynamic image of the insurance transaction user, and the insurance A voice read by the transaction user and the transaction signature; Wherein, the processor drives the display interface to display multiple insurance content confirmation strings to provide important content of the insurance transaction, prompts the insurance transaction user to read out aloud, and drives the display interface to display a designated confirmation key for the insurance transaction user After reading out each of the insurance content confirmation strings, click to record the certificate; the processor accordingly generates an insurance content confirmation video, including the other face of the insurance transaction user reading the multiple insurance content confirmation strings A moving image, another read-out sound, and the action of clicking the designated confirmation button, and are connected to the instant personal photo, the one or more certificate pages, the insurance content confirmation video, and the transaction signature, packaged into the blockchain Information to upload the blockchain information to the blockchain network through the network connection module. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 1, wherein the display interface further displays the analyzed personal identification data for the insurance transaction user to confirm whether the personal identification data is correct, and If it is incorrect, a manual modification input of the insurance transaction user is received through the touch display interface to modify the parsed personal identification data. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 1, wherein the processor compares the real-time personal photo with the facial features of the insurance transaction user of the certificate photo, if If the similarity ratio exceeds a threshold, it is determined that the instant personal photo and the insurance transaction user in the certificate photo are consistent, so as to identify whether the instant personal photo and the insurance transaction user in the certificate photo are consistent. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 1, wherein the one or more certificate pages further include an anti-counterfeiting mark, and before the processor performs the optical character recognition operation , The processor analyzes the anti-counterfeiting mark for anti-counterfeiting test. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 1, wherein, before providing the signature field, the processor performs an image analysis and a voice analysis on the signature verification video for comparison The signature verifies whether a mouth movement, a voice text in the video and the randomly generated identification password are consistent. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 1, wherein, after displaying the insurance information filling page, the processor receives an insurance information input and fills in one or more of the insurance information Fill in the fields with these data. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 6, wherein, after receiving the input of the insurance data, the processor drives the display interface to display an insurance contract. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 1, wherein, before the signature verification recording, the processor drives the image capture module to take a signature verification photo of the insurance transaction user, To compare whether the signature verification photo and the insurance transaction user of the certificate photo are consistent. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 8, wherein the blockchain information includes the signature verification photo. The insurance transaction data processing device with multiple identity authentication and transaction confirmation according to claim 1, wherein, when the signature field is provided and the transaction signature is received, the signature verification video is continuously executed, and the signature input field and Enter the transaction signature to be embedded in the signature verification video.

Images