Agency Insurance Underwriting and Compliance Control System

Abstract

This invention is an agent-based insurance application and compliance control system, which includes a control mechanism, a semantic recognition mechanism, an asynchronous locking mechanism, and a verification mechanism. This system forces the policyholder to manually operate the relevant procedures, preventing data guessing errors common in typical online AI-powered insurance application systems, and ensuring that the application process fully complies with regulatory standards.

Description

Agency Insurance Underwriting and Compliance Control System Technical Field

[0001] This invention provides an agency insurance application and compliance control system, particularly an agency insurance application and compliance control system that ensures the application process fully complies with regulatory standards. Prior Technology

[0002] While general online AI-powered insurance application systems offer convenience, they cannot address the following issues that AI tools cannot handle:

[0003] 1. Lack of compliance awareness: General AI tools cannot identify "compliance fields" on web pages that have legal significance, leading to illegal operations such as signing consent boxes or entering passwords on behalf of others.

[0004] 2. Lack of physical interaction evidence: General software instructions (synthesized events) cannot prove the customer's actual physical operation, making it difficult to meet the supervisor's digital audit requirements for "personal insurance application".

[0005] 3. Risk of data accuracy: When AI tools encounter missing data, they may make assumptions and fill in the missing information (AI illusion), resulting in discrepancies between the insurance information and the facts, which violates the disclosure obligations under the insurance law.

[0006] In addition, general online AI-powered insurance application systems cannot handle the "duty of disclosure" and "personal operation" requirements under insurance law. Therefore, due to the above deficiencies, there are still many shortcomings in the management of online AI-powered insurance application systems. Summary of the Invention

[0007] In view of the shortcomings of the aforementioned known technologies, the creator felt that they were not perfect, so he devoted his mind to researching and overcoming them, and then developed an agent insurance application and compliance control system, in order to force the policyholder to operate in the relevant procedures, prevent the data speculation errors common in general online artificial intelligence insurance application systems, and ensure that the insurance application process fully complies with the supervision regulations.

[0008] To achieve the above and other objectives, this invention provides an agency insurance and compliance control system, which includes: a control mechanism, a semantic recognition mechanism, an asynchronous locking mechanism, and a verification mechanism. The control mechanism acts as the computational processing, setting control, and integration unit during the operation of the agency insurance and compliance control system, and is used to receive at least one online insurance application document from an online insurance system. The semantic recognition mechanism is electrically connected to the control mechanism. This mechanism uses Document Object Model (DOM) semantic weight analysis to detect fields in the online insurance application document and dynamically identify compliance sensitivities and missing data items. The asynchronous locking mechanism is electrically connected to the control mechanism. When the semantic recognition mechanism identifies compliance sensitivities or missing data in the online insurance application document, the asynchronous locking mechanism forcibly interrupts the current input state of the online insurance system and initiates at least one verification thread to provide manual input for verification. The verification mechanism is electrically connected to the control mechanism. This verification mechanism verifies manual input signals based on the trust state attribute (isTrusted) and unlock logic verification, allowing the verification mechanism to monitor the original input events generated by the online insurance application document (Trusted). Events), and verify the specific pulse attributes of the event as a technical basis for determining that the policyholder operated it personally, and send an unlock signal to the asynchronous locking mechanism to verify the relevant information input by the verification execution thread, and unlock the subsequent insurance application process of the online insurance system after verification confirmation.

[0009] In the aforementioned agency insurance and compliance control system, the control mechanism, the semantic recognition mechanism, the asynchronous locking mechanism, and the verification mechanism are applications, software, hardware, central processing units, AI processors, logic circuits, or single chips, and the control mechanism, the semantic recognition mechanism, the asynchronous locking mechanism, and the verification mechanism are integrated into computers, servers, memory, hard drives, or smartphones.

[0010] In the aforementioned agency insurance and compliance control system, the semantic recognition mechanism includes a notification item recognition module, a legal authority checkbox recognition module, and a personal sensitive information security recognition module.

[0011] In the aforementioned agency insurance application and compliance control system, the disclosure item identification module is used to identify whether the disclosure item field in the online insurance application document is manually operated; the legal authority check box identification module is used to identify whether the legal authority check box in the online insurance application document is manually operated; and the personal sensitive information security identification module is used to identify whether the personal information field in the online insurance application document is manually operated.

[0012] The aforementioned agency insurance and compliance control system further includes a personal data management agency, which is electrically connected to the control agency. The personal data management agency has a manually isolated encrypted data source, which is used to provide the verification agency with synchronized updates after the verification execution thread manually inputs relevant information, and the verification agency cooperates with the personal data management agency to make corresponding judgments when performing verification.

[0013] In the aforementioned agency insurance and compliance control system, the verification agency, together with the personal data management agency, compares the input data of the online insurance application documents. If the comparison is inconsistent, the asynchronous locking agency forcibly interrupts the current input state of the online insurance application system.

[0014] The aforementioned agency insurance and compliance control system further includes a write-back synchronization mechanism, which is electrically connected to the control mechanism. This write-back synchronization mechanism dynamically updates the data in the original storage area after the data is manually entered as supplementary data.

[0015] Therefore, the agency insurance and compliance control system created in this invention can force the policyholder to operate the relevant procedures personally, preventing the data speculation errors common in general online AI insurance systems, and ensuring that the insurance application process fully complies with regulatory standards. Simple Explanation of the Diagram

[0016] Figure 1 is a schematic diagram of the basic architecture of the agency insurance and compliance control system created in this work. Figure 2 is a block diagram of the agency insurance and compliance control system created in this work. Implementation

[0017] To fully understand the purpose, features, and effects of this invention, a detailed explanation is provided below with reference to the specific embodiments and accompanying drawings:

[0018] Please refer to Figures 1 and 2. As shown in the figures, this invention provides an agency insurance and compliance control system, which includes: a control mechanism 1, a semantic recognition mechanism 2, an asynchronous locking mechanism 3, and a verification mechanism 4.

[0019] The control mechanism 1 serves at least as the processing, setting control, and integration mechanism for the semantic recognition mechanism 2, the asynchronous locking mechanism 3, and the verification mechanism 4 in the agency insurance and compliance control system. Furthermore, the control mechanism 1 can be used to receive at least one online insurance application document from an online insurance system.

[0020] The semantic recognition unit 2 is electrically connected to the control unit 1. The semantic recognition unit 2 uses Document Object Model (DOM) semantic weight analysis to detect the fields of the online insurance document and performs dynamic identification of compliance sensitive points and missing data items. In a feasible embodiment, the semantic recognition unit 2 performs weight calculation through ARIA tags (WAI-ARIA, Accessible Rich Internet Applications) and adjacent text semantics in the Document Object Model tree to identify legally sensitive areas, so that the semantic recognition unit 2 can achieve the effect of multi-feature weight algorithm.

[0021] The asynchronous locking mechanism 3 is electrically connected to the control mechanism 1. When the semantic recognition mechanism 2 detects and identifies that the online insurance application document has compliance sensitivity points or missing data, the asynchronous locking mechanism 3 forcibly interrupts the current input state of the online insurance application system and starts at least one verification execution thread to provide the policyholder with the opportunity to manually input for verification.

[0022] The verification mechanism 4 is electrically connected to the control mechanism 1. The verification mechanism 4 uses manual input signal verification based on the trust status attribute (isTrusted) and unlocking logic verification. The verification mechanism 4 monitors the original input events (Trusted Events) generated by the online insurance application document and verifies the specific pulse attribute of the event (isTrusted attribute value is true) as the technical basis for determining that the policyholder operated the system personally. Based on this, it sends an unlocking signal to the asynchronous locking mechanism 3 to verify the relevant information input by the verification execution thread. After verification confirmation, it unlocks the subsequent insurance application process of the online insurance system.

[0023] Based on the above embodiments, the policyholder can fill in an online insurance application form in the online insurance application system (which can be an AI-powered insurance application system or a general online insurance application system). The semantic recognition agency 2 uses Document Object Model (DOM) semantic weight analysis to detect the fields of the online insurance application form and dynamically identify compliance sensitivity points and missing data items. When the semantic recognition agency 2 detects and identifies that the online insurance application form has compliance sensitivity points or missing data, the asynchronous locking agency 3 forcibly interrupts the current input state of the online insurance application system and starts the verification execution thread to allow the policyholder to manually input for verification. After the policyholder manually fills in the verification data, the verification agency 4 can verify the manual input signal and unlock logic based on the trust status attribute (isTrusted), verify the relevant information input in the verification execution thread, and unlock the subsequent insurance application process of the online insurance application system after verification confirmation. In this way, the cooperation of the control mechanism 1, the semantic recognition mechanism 2, the asynchronous locking mechanism 3 and the verification mechanism 4 can force the policyholder to operate the relevant procedures personally, preventing the data speculation errors common in general online artificial intelligence insurance systems, and ensuring that the insurance application process fully complies with regulatory standards (e.g., at least meets the standards for precautions for the insurance industry in handling e-commerce).

[0024] In addition to the embodiments described above, in one embodiment of this invention, the control mechanism 1, the semantic recognition mechanism 2, the asynchronous locking mechanism 3, and the verification mechanism 4 can be applications, software, hardware, central processing units, AI processors, logic circuits, or single-chip microcomputers. Furthermore, the control mechanism 1, the semantic recognition mechanism 2, the asynchronous locking mechanism 3, and the verification mechanism 4 can be integrated into a computer, server, memory, hard drive, or smartphone. Additionally, in a feasible embodiment, the semantic recognition mechanism 2, the asynchronous locking mechanism 3, and the verification mechanism 4 can also be built into the control mechanism 1 to form a central processing unit or AI processor, or used in conjunction with a screen, keyboard, mouse, printer, etc., thereby making this invention more suitable for practical applications.

[0025] In addition to the above embodiments, in one embodiment of this invention, the semantic recognition mechanism 2 includes a notification item recognition module 21, a legal authority checkbox recognition module 22, and a personal sensitive information security recognition module 23.

[0026] In one feasible embodiment, the notification item identification module 21 is used to identify whether the notification item field in the online insurance application document is manually operated; the legal authority check box identification module 22 is used to identify whether the legal authority check box in the online insurance application document is manually operated; and the personal sensitive information security identification module 23 is used to identify whether the personal information field in the online insurance application document is manually operated.

[0027] In this way, the semantic recognition agency 2 can use the cooperation of the notification item recognition module 21, the legal authority checkbox recognition module 22 and the personal sensitive information security recognition module 23 to detect the fields of the online insurance document by using the semantic weight analysis of the Document Object Model (DOM), and to dynamically identify compliance sensitive points and missing data items.

[0028] In addition to the above embodiments, one embodiment of this invention further includes a personal data management unit 5, which is electrically connected to the control unit 1. The personal data management unit 5 establishes a manually isolated encrypted data source, providing a synchronous update for the verification unit 4 after the verification thread manually inputs relevant information. The verification unit 4 then cooperates with the personal data management unit 5 to make corresponding judgments during verification. In a feasible embodiment, the personal data management unit 5 can be an application, software, hardware, central processing unit, AI processor, logic circuit, or single-chip, and can be integrated into a computer, server, memory, hard drive, or smartphone. Furthermore, in a feasible embodiment, the personal data management unit 5 can also be built into the control unit 1 to form a central processing unit or AI processor, or used in conjunction with a screen, keyboard, mouse, printer, etc., thereby making this invention more suitable for practical applications.

[0029] Based on the above embodiments, the policyholder can fill out an online insurance application form in the online insurance application system (which can be an AI-powered insurance application system or a general online insurance application system). The semantic recognition mechanism 2 uses Document Object Model (DOM) semantic weight analysis to detect the fields in the online insurance application form and dynamically identify compliance sensitivity points and missing data items. When the semantic recognition mechanism 2 detects and identifies compliance sensitivity points or missing data in the online insurance application form, the asynchronous locking mechanism 3 forcibly interrupts the current input state of the online insurance application system and initiates the verification execution thread to allow the policyholder to perform manual input. The system performs verification upon the policyholder manually filling in the verification information. The verification agency 4 then verifies the manual input signal and unlocks the system based on the "isTrusted" attribute. Simultaneously, it utilizes encrypted data from the personal data management agency 5 to update its verification process after the policyholder manually inputs the relevant information. Through the collaboration between the verification agency 4 and the personal data management agency 5, the system verifies the information entered by the verification thread and unlocks the subsequent application process after confirmation. This forces the policyholder to operate manually, preventing common data guessing errors in typical online AI-powered insurance systems and ensuring the application process fully complies with regulatory standards.

[0030] In one feasible embodiment, the verification agency 4 can cooperate with the personal data management agency 5 to simultaneously compare the input data of the online insurance application document. If the comparison is inconsistent, the asynchronous locking mechanism 3 can forcibly interrupt the current input state of the online insurance application system, thereby achieving the technology of forced inaction. In this way, the policyholder can be forced to operate manually, preventing the data guessing errors common in general online artificial intelligence insurance application systems, and ensuring that the insurance application process fully complies with the supervision specifications.

[0031] In addition to the above embodiments, one embodiment of this invention further includes a write-back synchronization mechanism 6, which is electrically connected to the control mechanism 1. The write-back synchronization mechanism 6 serves as a supplementary data input device for dynamic updates to the original storage area. In a feasible embodiment, the write-back synchronization mechanism 6 can be an application program, software, hardware, central processing unit, AI processor, logic circuit, or single-chip, and can be integrated into a computer, server, memory, hard drive, or smartphone. Furthermore, in a feasible embodiment, the write-back synchronization mechanism 6 can also be built into the control mechanism 1 to form a central processing unit or AI processor, or used in conjunction with a screen, keyboard, mouse, printer, etc., thereby making this invention more suitable for practical applications.

[0032] Based on the above embodiments, the policyholder can fill out an online insurance application form in the online insurance application system (which can be an AI-powered insurance application system or a general online insurance application system). The semantic recognition mechanism 2 uses Document Object Model (DOM) semantic weight analysis to detect the fields in the online insurance application form and dynamically identify compliance sensitivity points and missing data items. When the semantic recognition mechanism 2 detects and identifies compliance sensitivity points or missing data in the online insurance application form, the asynchronous locking mechanism 3 forcibly interrupts the current input state of the online insurance application system and starts the verification execution thread to allow the policyholder to manually input for verification. After the policyholder manually fills in the verification data, an encrypted snapshot can be generated and stored as needed. Upon reaching the personal data management agency 5, the verification agency 4 can then perform manual input signal verification and unlocking logic verification based on the trust status attribute (isTrusted). Simultaneously, using the encrypted data source established in the personal data management agency 5, the verification agency 4 updates the corresponding judgment during verification after the verification thread manually inputs relevant information. Through the cooperation of the verification agency 4 and the personal data management agency 5, the relevant information input by the verification thread is verified, and after verification confirmation, the subsequent operation of the online insurance application system is unlocked. Furthermore, the write-back synchronization agency 6 can simultaneously update the manually input data and dynamically correspond it with the original stored data. In this way, the policyholder is forced to operate manually, preventing data speculation errors common in general online AI insurance application systems, and ensuring that the insurance application process fully complies with regulatory standards.

[0033] This invention has been disclosed above with reference to preferred embodiments. However, those skilled in the art should understand that these embodiments are merely illustrative and should not be construed as limiting the scope of this invention. It should be noted that all variations and substitutions equivalent to these embodiments should be considered within the scope of this invention. Therefore, the scope of protection of this invention shall be determined by the claims.

[0034] 1: Control mechanism 2: Semantic recognition agency 21: Notification Item Identification Module 22: Legal Permission Selection and Recognition Module 23: Personal Sensitive Information Security Identification Module 3: Asynchronous locking mechanism 4: Verification agency 5: Personal Data Management Agency 6: Write-back synchronization mechanism

Claims

1. An agency insurance application and compliance control system, comprising: a control mechanism that performs computational processing, setting control, and integration during the operation of the agency insurance application and compliance control system, and is used to receive at least one online insurance application document from an online insurance application system; a semantic recognition mechanism electrically connected to the control mechanism, the semantic recognition mechanism using Document Object Model (DOM) semantic weight analysis to detect fields in the online insurance application document, and dynamically identifying compliance sensitive points and missing data items; an asynchronous locking mechanism electrically connected to the control mechanism, which, when the semantic recognition mechanism identifies compliance sensitive points or missing data in the online insurance application document, forcibly interrupts the current input state of the online insurance application system and initiates at least one verification thread to provide manual input for verification; and a verification mechanism electrically connected to the control mechanism, the verification mechanism verifying manual input signals based on the trust state attribute (isTrusted) and unlocking logic verification, enabling the verification mechanism to monitor the original input events (Trusted) generated by the online insurance application document. Events), and verify the specific pulse attributes of the event as a technical basis for determining that the policyholder operated it personally, and send an unlock signal to the asynchronous locking mechanism to verify the relevant information input by the verification thread, and unlock the subsequent insurance application process of the online insurance system after verification confirmation.

2. The agency insurance and compliance control system as described in claim 1, wherein the control mechanism, the semantic recognition mechanism, the asynchronous locking mechanism and the verification mechanism are applications, software, hardware, central processing units, AI processors, logic circuits or single chips, and the control mechanism, the semantic recognition mechanism, the asynchronous locking mechanism and the verification mechanism are integrated into a computer, server, memory, hard drive or smartphone.

3. The agency insurance and compliance control system as described in claim 1, wherein the semantic recognition mechanism includes a notification item recognition module, a legal authority checkbox recognition module, and a personal sensitive information security recognition module.

4. The agency insurance application and compliance control system as described in claim 3, wherein the disclosure item identification module is used to identify whether the disclosure item field in the online insurance application document is manually operated; the legal authority check box identification module is used to identify whether the legal authority check box in the online insurance application document is manually operated; and the personal sensitive information security identification module is used to identify whether the personal information field in the online insurance application document is manually operated.

5. The agency insurance and compliance control system as described in claim 1, further comprising a personal data management agency electrically connected to the control agency, wherein the personal data management agency has a manually isolated encrypted data source established therein, so as to provide the verification agency with synchronous updates after the verification execution thread manually inputs relevant information, and the verification agency cooperates with the personal data management agency to make corresponding judgments when performing verification.

6. The agency insurance application and compliance control system as described in Request 5, wherein the verification agency, together with the personal data management agency, simultaneously compares the input data of the online insurance application document, and if the comparison is inconsistent, the asynchronous locking agency forcibly interrupts the current input state of the online insurance application system.

7. The agency insurance and compliance control system as described in claim 1, further comprising a write-back synchronization mechanism electrically connected to the control mechanism, the write-back synchronization mechanism being used to dynamically update the data in the original storage area after manual input data supplementation.

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