CN109191119A - Method and system for digital signature and verification of electronic certificate - Google Patents

Method and system for digital signature and verification of electronic certificate Download PDF

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Publication number
CN109191119A
CN109191119A CN201810808678.0A CN201810808678A CN109191119A CN 109191119 A CN109191119 A CN 109191119A CN 201810808678 A CN201810808678 A CN 201810808678A CN 109191119 A CN109191119 A CN 109191119A
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China
Prior art keywords
signature
certificate
electronic
client
electronic certificate
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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CN201810808678.0A
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Chinese (zh)
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CN109191119B (en
Inventor
何华强
李进南
苏稀春
刘志宏
朱勇军
刘志强
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Nanjing Yihua Information Technology Co ltd
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Nanjing Yihua Information Technology Co ltd
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Priority to CN201810808678.0A priority Critical patent/CN109191119B/en
Publication of CN109191119A publication Critical patent/CN109191119A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825Use of electronic signatures
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention discloses a method and a system for digital signature and verification of an electronic certificate. The digital signature and verification method of the electronic certificate can trace the operation process of a client and a business auditor, is safe and reliable, is tamper-proof and repudiation-proof, can perform reverse verification, and has the same legal efficacy of a paper certificate.

Description

A kind of electronic certificate digital signature and the method and system of verifying
Technical field
The invention belongs to financial field electronic certificate technical field, in particular to a kind of electronic certificate digital signature and verifying Method and system.
Background technique
With the fast development of Internet technology, the papery transaction certificate of various industries gradually turns to the direction of electronization Become.And in financial industry, due to the particularity of industry, at present in bank outlets' transacting business, various business transactions Voucher is very more, agreement, application, business voucher etc., often completes a business, various papery vouchers few then two or three , more then five or six.This papery voucher both not environmentally, was also not easy to take care of.When subsequent client has objection to transaction, warp Often cause to handle unfavorable status in the legal dispute of client and interbank due to lacking original business voucher.Simultaneously because paper The keeping of matter voucher is difficult, and the content on papery voucher is easy distortion after a long time, while papery voucher is easy to be tampered forgery, It is created great difficulties to law evidence obtaining.
In internet+epoch, internet has all been docked in the various consumption of daily life, and people are increasingly accustomed to electronics Change office, everybody also increasingly accepts daily various businesses voucher electronization, such as electronic invoice, electronic bill payment bill Deng.
Bank outlets' intellectualized reconstruction has been the mainstream transition direction in current industry, and intellectualized reconstruction is mainly site High cube container is removed, gradually the business handled on sales counter originally is transferred on intelligent equipment and is handled.Business is handled by original Manually handle and be changed to intelligent equipment and handle, this inevitable requirement must be made using electronic certificate to say when substituting original transacting business Papery voucher can provide more friendly business experience to client in this way.
Business voucher is the voucher with legal effect of client's transacting business, substitution of the electronic certificate as papery voucher Product, with same legal effect, this requires electronic certificate content generated must be complete, at the same have it is anti-tamper, prevent It denies, it may be verified that the features such as.
Summary of the invention
The purpose of the present invention is in intellectualized reconstruction transformation process, in self-service device transacting business, mention for bank It is generated for a kind of safely and effectively electronic certificate and digital signature method and verification method, and provide above-mentioned signature and verifying is System.
To achieve the goals above, the invention adopts the following technical scheme: a kind of method of electronic certificate digital signature, packet Include following steps:
To ca authentication mechanism application CA certificate and verify the validity of certificate;
After handling client traffic, Transaction Information, CA certificate, client are confirmed that signing messages generates V1.0 release documentation;
V1.0 release documentation is digitally signed using the public key in CA certificate, signature result is synthesized in document, shape At V2.0 release documentation;
Banking auditor's signing messages is synthesized in V2.0 release documentation, V3.0 release documentation is formed;
V3.0 release documentation is digitally signed using the public key in CA certificate, signature result is synthesized in document, shape It is saved at V4.0 document as final electronic certificate.
Further, CA mechanism or outside CA mechanism inside bank of ca authentication mechanism.
Further, C Transaction Information include transaction area, transaction site, transaction terminal, Transaction Account number, trade date with And trading processing result.
Further, C client confirm signing messages and banking auditor signing messages all include signature image and Signature track data.
Further, C client confirms that signing messages and banking auditor's signing messages are special using the biology of acquisition Sign, the biological characteristic include fingerprint, refer to vein, palmmprint, vena metacarpea or facial information.
Further, C document is PDF document.
A kind of verification method of electronic certificate digital signature, comprising the following steps:
Corresponding public key certificate is extracted from electronic certificate;
According to public key certificate information from the corresponding private key of CA mechanism application;
Digital signature result is extracted from electronic certificate, and then signature result is decrypted using private key, verifies decrypted result It is correctly obtained V3.0 release documentation;
The electronic signature information that auditor is extracted from V3.0 release documentation, obtains V2.0 release documentation, according to extracting Auditor's electronic signature information verifying auditor identity;
Digital signature result is extracted from V2.0 release documentation, and then signature result is decrypted using private key, verifying decryption As a result it is correctly obtained V1.0 release documentation;
The electronic signature information that client is extracted from V1.0 release documentation, is tested according to the client's electronic signature information extracted The identity of client is demonstrate,proved, successful match is then verified, otherwise authentication failed.
It is a kind of for electronic certificate digital signature and the system of verifying, comprising:
CA certificate storage element, for storing CA to ca authentication mechanism application CA certificate and after the validity of verifying certificate Certificate and its public key, private key;
Transaction processing system generates Transaction Information for the transaction request according to client;
Confirmation signature and storage element, for client or banking auditor to confirming after generating Transaction Information Signature, and save signing messages;
Electronic certificate generation unit, Transaction Information and CA certificate, client for generating transaction processing system, which confirm, to be signed Name generates V1.0 release documentation, and CA certificate public key is digitally signed V1.0 release documentation and generates V2.0 release documentation;It will V2.0 release documentation and banking auditor confirm that signature generates V3.0 release documentation, and CA certificate public key is to V3.0 version text Shelves are digitally signed generation electronic certificate;
Electronic certificate extraction unit generates V3.0 release documentation for electronic certificate to be extracted digital signature, extracts V3.0 Banking auditor confirms that signature generates V2.0 release documentation in release documentation, extracts digital signature in V2.0 release documentation V1.0 release documentation is generated, client in V3.0 release documentation is extracted and confirms signature;
Information matches and authentication unit, for using private key to signature result solution the digital signature extracted in electronic certificate It is close, verify signature result;The confirmation signature of the signing messages and extraction of client or banking auditor is matched, is tested Demonstrate,prove signature result;
Display screen, for showing Transaction Information, electronic certificate and verification result.
Further, confirmation signature and storage element include electronic signature handwriting device, biological information recording device, camera shooting Device and storage element;
Wherein the electronic signature handwriting device inputs electronic signature information for client and banking auditor;
The biological information recording device be used for input client and banking auditor fingerprint, refer to vein, palmmprint, Vena metacarpea information;
The photographic device is used to record the facial information of client and banking auditor;
Storage element is for storing above-mentioned apparatus signing messages obtained.
Further, Transaction Information include transaction area, transaction site, transaction terminal, Transaction Account number, trade date and Trading processing result.
Electronic certificate is more environmentally-friendly, is easy to manage concentratedly, and retention cycle is long, highly-safe.Electronic certificate number of the present invention Signature and verification method can trace the operating process of client and business audit personnel, and securely and reliably, anti-tamper, anti-repudiation can Reversely to be verified, there are papery voucher legal equivalents.
Detailed description of the invention
Fig. 1 is the flow chart of 1 electronic certificate digital signature method of embodiment.
Fig. 2 is the flow chart of 2 electronic certificate digital signature authentication method of embodiment.
Specific embodiment
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application Attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is only The embodiment of the application a part, instead of all the embodiments.Based on the embodiment in the application, ordinary skill people Member's every other embodiment obtained without making creative work, all should belong to the model of the application protection It encloses.
It should be noted that term " the term " includes " in the description and claims of this application and above-mentioned attached drawing " having " and their any deformation, it is intended that cover it is non-exclusive include, for example, containing series of steps or list The process, method, system, product or equipment of member those of are not necessarily limited to be clearly listed step or unit, but may include not having There are other step or units being clearly listed or intrinsic for these process, methods, product or equipment.
PDF (abbreviation of Portable Document Format, mean " portable document format ") is a kind of and operation The unrelated portable electronic document format of system has integrated level high, securely and reliably, it is anti-tamper the features such as, it has also become office from Dynamicization field de facto standard document format.Present invention electronic certificate generated is mainly based upon PDF electronic file form.
Embodiment 1
The step of electronic certificate generation and digital signature, is as follows:
S101: self-aided terminal is to ca authentication mechanism application CA certificate.
S102: self-aided terminal verifies whether CA certificate is effective, and certificate then walks S101 application again in vain.
S103: client's transacting business on self-aided terminal, self-aided terminal together close all business datum and CA certificate At into PDF document.
S104: client is using electronic signature pen Signature Confirmation Transaction Information on signature device, and self-service device is signature map Picture and signature track data are synthesized in PDF document, form the PDF document of V1.0 version.
S105: self-service device is digitally signed using PDF document of the public key in CA certificate to V1.0 version, PDF text Shelves signature result is synthesized in PDF document, forms the PDF document of V2.0 version.
S106: banking auditor is using electronic signature pen Signature Confirmation on signature device, and self-service device is careful The signature image and signature track data of core person is synthesized in PDF document, forms the PDF document of V3.0 version.
S107: self-service device is digitally signed using pdf document of the public key in CA certificate to V3.0 version, PDF text Shelves signature result is synthesized in PDF document, forms the PDF document of V4.0 version.
S108: after business handling success, the PDF document of V4.0 version uploads to bank data as final electronic certificate Inventory's shelves, persistence.
Above-mentioned electronic certificate generates and the flow chart of digital signature is as shown in Figure 1.
CA mechanism described in the present invention program can be CA mechanism inside bank, be also possible to external CA mechanism.
CA certificate, electronic signature track and the PDF document signature result being related in the present invention program are uniformly written to PDF The invisible area of document, content is invisible when document papery prints.
Electronic signature equipment described in the present invention program requires have signature image and the output of signature track, preferred defeated Signature track out can be by exporting after CA public key signature.
Preferably, customer signature link can replace acquisition biological characteristic, for example fingerprint, refer to vein etc., can also be a variety of Information combination, is synthesized in PDF document together.
Preferably, business personnel, which audits link, can replace acquisition biological characteristic, for example fingerprint, refer to vein etc., can also be more Kind information combination, is synthesized in PDF document together.
Public key algorithm involved in scheme can be custom algorithm or International Algorithmic RSA, be also possible to national secret algorithm SM2 is, it is preferable to use national secret algorithm SM2.
Embodiment 2
Steps are as follows for electronic certificate digital signature authentication:
S201: from the corresponding public key certificate of extraction in electronic certificate (V4.0).
S202: according to public key certificate information from the corresponding private key of CA mechanism application.
S203: extracting PDF document signature result from electronic certificate V4.0, is then decrypted using private key to signature result, Whether correct verify decrypted result.
S204: obtaining electronic certificate V3.0, and the electronic signature information of auditor is extracted from electronic certificate V3.0, obtains electricity Sub- voucher V2.0.It here can be according to the identity of the auditor's electronic signature information verifying auditor extracted.
S205: extracting PDF document signature result from electronic certificate V2.0, is then decrypted using private key to signature result, Whether correct verify decrypted result.
S206: verification result is correct, then obtains electronic certificate V1.0 version, and the electricity of client is extracted from electronic certificate V1.0 Sub- signing messages.Here the identity of client, electronic certificate verifying can be verified according to the electronic signature information of the client extracted Terminate.
The flow chart of above-mentioned electronic certificate digital signature authentication is as shown in Figure 2.
Embodiment 3
It is a kind of for electronic certificate digital signature and the system of verifying, comprising:
CA certificate storage element, for storing CA to ca authentication mechanism application CA certificate and after the validity of verifying certificate Certificate and its public key, private key;
Transaction processing system generates Transaction Information for the transaction request according to client;
Confirmation signature and storage element, for client or banking auditor to confirming after generating Transaction Information Signature, and save signing messages;
Electronic certificate generation unit, Transaction Information and CA certificate, client for generating transaction processing system, which confirm, to be signed Name generates V1.0 release documentation, and CA certificate public key is digitally signed V1.0 release documentation and generates V2.0 release documentation;It will V2.0 release documentation and banking auditor confirm that signature generates V3.0 release documentation, and CA certificate public key is to V3.0 version text Shelves are digitally signed generation electronic certificate;
Electronic certificate extraction unit generates V3.0 release documentation for electronic certificate to be extracted digital signature, extracts V3.0 Banking auditor confirms that signature generates V2.0 release documentation in release documentation, extracts digital signature in V2.0 release documentation V1.0 release documentation is generated, client in V3.0 release documentation is extracted and confirms signature;
Information matches and authentication unit, for using private key to signature result solution the digital signature extracted in electronic certificate It is close, verify signature result;The confirmation signature of the signing messages and extraction of client or banking auditor is matched, is tested Demonstrate,prove signature result;
Display screen, for showing Transaction Information, electronic certificate and verification result.
Confirmation signature and storage element include electronic signature handwriting device, biological information recording device, photographic device and storage Memory cell;Wherein electronic signature handwriting device inputs electronic signature information for client and banking auditor;Biology letter Breath recording device is used to input the fingerprint of client and banking auditor, refers to vein, palmmprint, vena metacarpea information;Camera shooting dress Set the facial information for recording client and banking auditor;Storage element is for storing above-mentioned apparatus label obtained Name information.
Transaction Information includes transaction area, transaction site, transaction terminal, Transaction Account number, trade date and trading processing As a result.
Method and system of the invention may be achieved in many ways.For example, can by software, hardware, firmware or Software, hardware, firmware any combination realize method and system of the invention.The said sequence of the step of for method is only In order to be illustrated, the step of method of the invention, is not limited to sequence described in detail above, especially says unless otherwise It is bright.In addition, in some embodiments, also the present invention can be embodied as to record program in the recording medium, these programs include For realizing machine readable instructions according to the method for the present invention.Thus, the present invention also covers storage for executing according to this hair The recording medium of the program of bright method.

Claims (10)

1. a kind of method of electronic certificate digital signature, it is characterised in that the following steps are included:
To ca authentication mechanism application CA certificate and verify the validity of certificate;
After handling client traffic, Transaction Information, CA certificate, client are confirmed that signing messages generates V1.0 release documentation;
V1.0 release documentation is digitally signed using the public key in CA certificate, signature result is synthesized in document, is formed V2.0 release documentation;
Banking auditor's signing messages is synthesized in V2.0 release documentation, V3.0 release documentation is formed;
V3.0 release documentation is digitally signed using the public key in CA certificate, signature result is synthesized in document, is formed V4.0 document is saved as final electronic certificate.
2. the method for electronic certificate digital signature according to claim 1, it is characterised in that: bank of the ca authentication mechanism Internal CA mechanism or outside CA mechanism.
3. the method for electronic certificate digital signature according to claim 1, it is characterised in that: the Transaction Information includes handing over Easily area, transaction site, transaction terminal, Transaction Account number, trade date and trading processing result.
4. the method for electronic certificate digital signature according to claim 1, it is characterised in that: the client confirms A.L.S. Breath and banking auditor signing messages all include signature image and signature track data.
5. the method for electronic certificate digital signature according to claim 1, it is characterised in that: the client confirms A.L.S. Using the biological characteristic acquired, the biological characteristic includes fingerprint, refers to vein, the palm for breath and banking auditor signing messages Line, vena metacarpea or facial information.
6. the method for electronic certificate digital signature according to claim 1, it is characterised in that: the document is PDF document.
7. one kind according to claim 1 to the verification method of 6 any electronic certificate digital signature, it is characterised in that including with Lower step:
Corresponding public key certificate is extracted from electronic certificate;
According to public key certificate information from the corresponding private key of CA mechanism application;
Digital signature result is extracted from electronic certificate, then signature result is decrypted using private key, verifying decrypted result is correct Obtain V3.0 release documentation;
The electronic signature information that auditor is extracted from V3.0 release documentation, obtains V2.0 release documentation, is examined according to what is extracted The identity of core person's electronic signature information verifying auditor;
Digital signature result is extracted from V2.0 release documentation, and then signature result is decrypted using private key, verifies decrypted result It is correctly obtained V1.0 release documentation;
The electronic signature information that client is extracted from V1.0 release documentation verifies visitor according to the client's electronic signature information extracted The identity at family, successful match are then verified, otherwise authentication failed.
8. a kind of for electronic certificate digital signature and the system of verifying, characterized by comprising:
CA certificate storage element, for storing CA certificate to ca authentication mechanism application CA certificate and after the validity of verifying certificate And its public key, private key;
Transaction processing system generates Transaction Information for the transaction request according to client;
Confirmation signature and storage element, for client or banking auditor to carrying out confirmation label after generating Transaction Information Name, and save signing messages;
Electronic certificate generation unit, Transaction Information and CA certificate, client for generating transaction processing system confirm signature life At V1.0 release documentation, CA certificate public key is digitally signed V1.0 release documentation and generates V2.0 release documentation;By V2.0 editions This document and banking auditor confirm that signature generates V3.0 release documentation, and CA certificate public key carries out V3.0 release documentation Digital signature generates electronic certificate;
Electronic certificate extraction unit generates V3.0 release documentation for electronic certificate to be extracted digital signature, extracts V3.0 version Banking auditor confirms that signature generates V2.0 release documentation in document, extracts digital signature in V2.0 release documentation and generates V1.0 release documentation extracts client in V3.0 release documentation and confirms signature;
Information matches and authentication unit, for the digital signature extracted in electronic certificate to decrypt signature result using private key, Verify signature result;The confirmation signature of the signing messages and extraction of client or banking auditor is matched, is verified Signature result;Display screen, for showing Transaction Information, electronic certificate and verification result.
9. the system according to claim 8 for being used for electronic certificate digital signature and verifying, it is characterised in that: the confirmation Signature and storage element include electronic signature handwriting device, biological information recording device, photographic device and storage element;
Wherein the electronic signature handwriting device inputs electronic signature information for client and banking auditor;
The biological information recording device is used to input the fingerprint of client and banking auditor, refers to that vein, palmmprint, the palm are quiet Arteries and veins information;
The photographic device is used to record the facial information of client and banking auditor;
Storage element is for storing above-mentioned apparatus signing messages obtained.
10. the system according to claim 8 for being used for electronic certificate digital signature and verifying, it is characterised in that: the friendship Easy information includes transaction area, transaction site, transaction terminal, Transaction Account number, trade date and trading processing result.
CN201810808678.0A 2018-07-18 2018-07-18 Method and system for digital signature and verification of electronic certificate Active CN109191119B (en)

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110969433A (en) * 2019-11-28 2020-04-07 国网河北省电力有限公司沧州供电分公司 Electronic certificate processing method
CN111369364A (en) * 2020-03-02 2020-07-03 中国农业银行股份有限公司 Electronic signature method and device based on super counter
CN111769955A (en) * 2020-06-30 2020-10-13 成都卫士通信息产业股份有限公司 Electronic signature generation method and device, electronic signature verification method and device and related components
CN113506112A (en) * 2021-09-08 2021-10-15 支付宝(杭州)信息技术有限公司 Receivable account right confirming method and device and electronic equipment
CN117422453A (en) * 2023-12-19 2024-01-19 江苏曼荼罗软件股份有限公司 Method and device for realizing hospitalization deposit single-electron certificate

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US20100082976A1 (en) * 2004-09-01 2010-04-01 Research In Motion Limited System and method for retrieving related certificates
CN104158662A (en) * 2014-07-29 2014-11-19 广东省电子商务认证有限公司 XAdEs-based multi-user electronic voucher and implementation method

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Publication number Priority date Publication date Assignee Title
US20100082976A1 (en) * 2004-09-01 2010-04-01 Research In Motion Limited System and method for retrieving related certificates
CN104158662A (en) * 2014-07-29 2014-11-19 广东省电子商务认证有限公司 XAdEs-based multi-user electronic voucher and implementation method

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110969433A (en) * 2019-11-28 2020-04-07 国网河北省电力有限公司沧州供电分公司 Electronic certificate processing method
CN111369364A (en) * 2020-03-02 2020-07-03 中国农业银行股份有限公司 Electronic signature method and device based on super counter
CN111369364B (en) * 2020-03-02 2024-02-23 中国农业银行股份有限公司 Electronic signature method and device based on super counter
CN111769955A (en) * 2020-06-30 2020-10-13 成都卫士通信息产业股份有限公司 Electronic signature generation method and device, electronic signature verification method and device and related components
CN113506112A (en) * 2021-09-08 2021-10-15 支付宝(杭州)信息技术有限公司 Receivable account right confirming method and device and electronic equipment
CN117422453A (en) * 2023-12-19 2024-01-19 江苏曼荼罗软件股份有限公司 Method and device for realizing hospitalization deposit single-electron certificate
CN117422453B (en) * 2023-12-19 2024-03-12 江苏曼荼罗软件股份有限公司 Method and device for realizing hospitalization deposit single-electron certificate

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