Application of contract lock audio and video dual recording electronic signature in insurance, banking, government and other scenarios

Recently, a judgment (case number (2024) Hu 74 Min Zhong 889) published on the China Judgments Online website showed that a certain bank had failed to implement its fund product sales due to the existence of "failure to implement"; Double recording; The court ruled to compensate investors for 90% of their losses due to issues such as demands. From this, it can be seen that “ Double recording; It has become a fundamental regulatory rule in the financial industry. Double recording is“ Dual recording of audio and video; It is widely used in financial industries such as insurance and banking, requiring the recording of business processes through audio and video recording in financial product sales, loans, guarantees, financial leasing, and other businesses to ensure that the business is based on the true intention of the individual, and to achieve full process recording and traceability of the business. In recent years, it has gradually expanded its application to government scenarios with strong regulatory requirements, such as real estate registration, enterprise establishment, online signing of housing transaction contracts, bidding, and housing provident fund loans. As a key link in the process of financial product transactions and business processing, signature and seal inevitably become an important object of dual record execution. Contract lock is launched for financial, government and other businesses; Double recording; Electronic signature

Solution, integrated with “ Video liveness testing” ,

“ Voice broadcasting, voice recognition” 、 “ Facial recognition” and other functions, through“ Preset question broadcasting and answering techniques

” Using“ Recording+Video Recording” The method of completing the signing process involves verifying the true identity and willingness of the operator, as well as verifying the terms of the contract

Confirm and assist in identifying the true identity and intention of the operator, ensuring the authenticity and validity of the signed results. The entire authentication process is fully prompted and recorded through voice dialogue and audio/video recording of the applicant's current business content, ensuring that the parties involved are informed and willing, and the results are confirmed and cannot be denied. By combining data storage capabilities, real-time audio and video content storage can be achieved, and online certification can be provided as judicial evidence at any time to help standardize the business signing process for finance and government.

↓ What are the policies related to dual recording in the fields of finance and government affairs; In February 2024, the National Financial Supervisory Administration issued the "Measures for the Administration of Personal Loans" and officially implemented it on July 1: Lenders should sign a written loan contract with borrowers, and if guarantees are required, they should also sign a guarantee contract or terms at the same time. For loans with an amount not exceeding RMB 200000, relevant contracts and documents can be signed through electronic banking channels (excluding loans for personal housing purposes). For face-to-face signing, the lender shall record and properly preserve the relevant images of the signing process. span data-style-apply-id="font-family-b5a18bd4" style="font-family: Arial,Helvetica,sans-ser

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· December 2023: 4 departments including the Ministry of Natural Resources/State owned Assets Supervision and Administration Commission

《 Notice on Further Improving the Convenience of Real Estate Registration and Promoting the Optimization of Business Environment: Strengthen security management, and effectively prevent risks by verifying the identity information and true intentions of the parties involved online through methods such as facial recognition and audio/video recording.

· August 2017: Former China Banking Regulatory Commission

《 The Interim Regulations on the Management of Audio and Video Recording in Sales Zones of Banking and Financial Institutions require banking and financial institutions to implement zones; Double recording; Synchronize the sales process of self owned wealth management products and consignment products with audio and video recordings, requiring banking and financial institutions to sell their own legally issued wealth management products and financial products issued by cooperative institutions in their business premises, and implement a special zone for sales; Double recording; Management.

· June 2017: Former China Insurance Regulatory Commission

The Interim Measures for the Retrospective Management of Insurance Sales was issued, requiring insurance companies and insurance intermediaries to carry out Internet insurance business and conduct retrospective management in accordance with the relevant regulations of the CIRC on the supervision of Internet insurance business.

By using technical means such as audio and video recording, key links in the insurance sales process can be recorded and saved, and sales behavior can be replayed, important information can be queried, and problem responsibilities can be identified.

Feature Highlights: Quickly understand the dual recording electronic signature function of contract lock

01 Support preset question and answer texts based on the scene. According to the relevant sales behavior management regulations of the insurance, banking and other financial industries, the recording and videography process should be conducted; Risk Warning” 、 “ Informed confirmation; 、 “ Obligation Statement; Wait for the inquiry and receive a positive response from the person in charge. For the convenience of conducting intelligent Q&A, the contract lock system supports pre setting Q&A texts according to specific business needs, including question reading texts and response texts. For example, if you are signing an insurance purchase contract, do you know? Please answer '; Know” Or“ I know;. During the signing and verification process, the system automatically reads out the questions according to the preset text and prompts the agent to give a positive answer based on the preset answer.

02. “ Answer” Not meeting the requirements; Preset answer” According to management regulations, during the double recording process, the person handling the matter must be notified automatically; Affirmative response; In traditional audio and video recording, it is often discovered only after post inspection; The answer does not comply with the regulations; We can only ask the person in charge to come back and re record

, which not only requires a lot of manual inspection work, but also has a poor service experience. The double recording electronic signature verification process of the contract lock can automatically detect the service personnel through voice recognition function; Reply answer text; And compare it with the preset answers in the system. If the comparison result does not match, it will automatically remind you to answer again. Ensure that the audio and video recording results are valid and comply with regulations. 03. Upgraded multiple rounds of Q&A to meet users' various information confirmation needs Contract lock dual recording

Electronic signature

Multiple rounds of Q&A have been implemented, supporting up to

“ 3 rounds” Q&A settings can basically meet the needs of various prompts, explanations, and confirmations in the sales of insurance, banking, and other products, making it more flexible to use.

04. Live detection intelligently captures facial information to ensure that my contract lock dual recording electronic signature integrates live detection and facial recognition functions, and is connected to an authoritative identity information database. During the recording process, it intelligently captures the recording person's facial information to ensure that they are alive. At the same time, if there are multiple people recording, the face is not on the screen, or the actual face and identity information of the recording person and the signatory do not match, automatic reminders will be given to ensure that the face detection process is compliant and the comparison results are reliable.

05. Automatic recording and certification of audio and video recordings, ready for certification at any time, accepted by the judiciary In the traditional offline recording process, there is a high possibility of unauthorized editing and splicing of audio and video data, which not only cannot guarantee authenticity, but also makes it difficult to ensure the authenticity of evidence in case of disputes. Contract lock dual recording electronic signature fusion data storage function, helping users automatically preserve and store evidence during the recording and video process;

Broadcast text, user answer content, user face, etc.

” The data is tamper proof throughout the entire process. If there is a dispute, you can download the certificate storage report at any time, support online certificate issuance, and provide users with court recognized judicial evidence materials. 06.

Open double recording according to the signatory's wishes to ensure compliance

According to regulatory regulations, the use of audio and video recordings must obtain the consent of the person in charge. In order to make the dual recording process more compliant, the contract is locked in the user's voice and video dual recording process; Agree to authorize and continue; Prompt to ensure that the user agrees to conduct audio and video recording.

Scene highlights: These scenarios can all use dual recording electronic signatures

· Electronic policy signing

In the insurance sales signing process, combined with customized voice broadcasting and multiple rounds of Q&A, complete the confirmation of insurance risks, insurance contract terms and conditions, and informed information, and record the entire signing process with audio and video.

In case of disputes in the later stage, the original audio and video recording materials as well as the certification report in the system can be accessed at any time to restore the process of insurance signing. Combined with online certification, evidence collection can be completed to help resolve disputes.

· Bank loan signing

The bank's large loan business exceeding 200000 yuan has implemented face-to-face signing and contract locking dual recording since July 1st this yearcan be directly embedded into the bank loan business system through integration. In the signing process of loan contracts and guarantee contracts, the automatic dual recording function is activated, combined with intelligent voice and recording functions to complete risk warning and confirmation, ensuring that the entire contract signing process is recorded and non repudiation, and improving the compliance of loan processing.

· Signing of business establishment documents

In the process of government provided enterprise establishment review, double recording can be carried out< span data-style-apply-id="font-family-bbbf8da1" style="font-family: Arial,Helvetica,sans-serif;">Electronic signatureIntegrated into the electronic license system, using audio and video to complete the dual recording signature of the enterprise side, prompting the applicant's current business through voice, dialogue and other methods to ensure the applicant's true intention, intelligently completing facial verification, improving the efficiency of enterprise establishment review, and realizing online application and production of electronic seals.

· Real estate registration documents

According to the Notice on Further Improving the Convenience of Real Estate Registration and Promoting the Optimization of the Business Environment, it is required to verify the identity information and true intentions of the parties online through facial recognition, audio and video recording, and other methods.

The contract lock can integrate the dual record electronic signature function into the real estate registration system. During the application and commitment letter signing process, multiple rounds of Q&A and facial recognition are used to confirm the person's intention to handle the matter, and electronic signature operations are completed according to voice prompts, improving the authenticity and validity of the signature results.

· Online signing of housing transaction contracts

In large-scale transaction signing scenarios such as commercial housing and second-hand housing, the dual recording electronic signature application can be directly connected to the housing trading platform. The contract signing process intelligently enables facial recognition, voice Q&A, and audio and video recording to complete transaction confirmation.

By customizing voice prompts and questions, key content and risk information notifications can be completed, as well as confirmation from homebuyers. The entire process is recorded in real-time, and videos can be quickly retrieved as evidence in case of disputes.

· Signing of car rental/loan contracts

In the contract signing process of car rental, loan car purchase, etc., the contract lock dual recording electronic signature function can be embedded in the rental or car purchase mini program,to realize the signing intention and clause confirmation recording, automatically preserve the audio and video evidence, and can access the video and audio images at any time during disputes, download the certificate report and issue the certificate online, to protect the rights and interests of both parties and facilitate evidence collection and acceptance.

· Signing of bidding documents

For government and state-owned enterprise bidding business, by integrating the dual recording electronic signature application on the bidding platform, it is possible to directly draft contracts online. The signing process automatically starts recording audio and video, combined with intelligent Q&A to confirm contract terms and guide the online addition of electronic signatures and seals, ensuring that the contract content is known and the person's true intention to sign is known during the signing process, and conducting bidding in a compliant and efficient manner.

Summary

As a leading electronic signature and seal control manufacturer in the industry, Contract Lock has always beenBy focusing on customer needs and continuously enriching product features, the product can flexibly adapt to the signing scenarios of various industry organizations. The launch of the dual recording electronic signature application helps financial organizations such as insurance, banking, trust, securities, and government units establish a signing environment that is more in line with industry standards. The recording of the signing process is moved online, and efficient signing and secure recording are achieved in one step, helping finance and government to carry out online office transformation in a standardized and convenient manner!

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