Application Background

The China Banking and Insurance Regulatory Commission issued the "The Measures for the Real-Name System of Individual Insurance", which defined that natural persons, as policyholders, insureds, and beneficiaries, are required to get a certification and record when they do business like cover insurance, restore the validity of life insurance contract, correct policies, impawn guarantee slip, surrender policies, claim settlement and so on.

How many steps in the key authenticity check in the personal insurance real-name system?

In the first step, insurance companies and intermediaries, as the main body responsible for the verification of real-name information, should require policyholders, insureds, and beneficiaries to provide valid identification documents, verify the authenticity and validity of the identification documents, and ensure that the human and identification documents are consistent.

For cases off-site such as Internet, “the Measures” also clearly require relevant insurance companies and intermediaries to verify the authenticity and validity of the identity documents of policyholders, insureds, and beneficiaries through effective technical means, and to ensure that the person and documents are consistent.

In the second step, after checking the correct, the insurance company and intermediary upload information like the policyholder, the insured, and the beneficiary, ID type, ID number, validity period and others to the insurance real-name inspection and registration system according to different business regulations to check the authenticity of the information.

In the third step, the insurance real-name inspection and registration system receives the information from the insurance company and intermediary, it checks the authenticity of the information compared with the relevant national database, and feeds back the inspection results to the insurance company and intermediary. 

If the result of the inspection is untrue, the insurance company or intermediary institution shall not handle business for the applicant, the insured, or the beneficiary. “The Measures” also stipulate that the policyholder, the insured, and the beneficiaries who have used false identity documents, used the names of others, and provided false information shall be included in the list of discreditable behavior records.

Under such a background, we must provide valid certificates for insurance agencies to verify when handling various businesses in the insurance industry. When insurance salesmen verify the basic information of the applicant, the traditional method is for the account manager to manually enter the information provided by customer on the spot. It takes more than 30 minutes to enter the information of a customer. It is time-consuming and laborious for employees to enter ID information, and there are also errors in entry, which seriously affects customer satisfaction and reduces insurance sales. How to improve the speed of information entry and customer satisfaction has become the focus of major life insurance companies.

        After the claim materials (including ID card/bank card/medical documents) are submitted to the insurance company, the salesman needs to manually check the information and enter it into the business system, which leads to a long claim period. Many of our businesses have been transferred online in the Internet era. However, every time a customer handles a business, he has to enter his own document information. The customer experience declines, which will eventually lead to customer loss. 

Mobile OCR Technology

Document recognition:

   Automatically collects the document information (such as name, ID number, etc.) by taking the image of the document.

   Supports many types of documents: supports identification of 18 common domestic documents such as second-generation ID cards, driving permits, passports, Hong Kong and Macau passes, household registers, etc. At the same time, supports add the types of documents according to customer needs.

    Supports video and photo two recognition modes.

    Supports Android and iOS platforms. (Add ID image)

Bank Card Recognition:

    Automatically collects the card information (such as card number, attribution bank, etc.) by taking the image of the bank card.

    Supports the recognition of domestic general bank cards such as embossed cards, platform cards, vertical cards, etc..

    Supports video and photo two recognition modes.

    Supports Android and iOS platforms. (Add ID image)

Visiting Card Recognition

    Automatically collects the card information (such as company name, phone number, name, etc.) by taking the image of the visiting card.

    Supports horizontal and vertical business cards and various other visiting cards.

    Supports video and photo two recognition modes.

Server-side OCR recognition technology

 Server-side OCR recognition technology is based on the world-leading Tsinghua OCR recognition technology, it has accurate recognition rate and excellent recognition speed. OCR recognition technology supports the recognition of images acquired through scanners, mobile phones, high-speed photographic apparatus, cameras and other collection devices, it supports the recognition of a variety of cards.

Supports identification of more than 20 domestic common documents such as second-generation ID cards, visiting cards, bank cards, driving licence, driving permits, passports, Hong Kong and Macau passes, etc. At the same time, supports add the types of documents according to customer needs.

Solution Advantages

    Reduces the number of manual entries, reduce cost input, and saves a lot of manpower, material and financial resources.

    Improves entry speed, business processing efficiency, and customer satisfaction.

    Reduces error rate, improve input quality, reduce problems in later operation, improve service quality.

    It can be further expanded, we provide various automation refnums, which help users to optimize business processing procedures, and provide multi-faceted support for the operation of enterprises.

Applications

   Mobile Insurance Acceptance

   E-Marketing System

   Mobile Survey

   Customer premium withholding

Success Stories