JP2017017469A - Addition type signature device and contract management system using the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it possible to easily add a device for performing electronic signing to an existing contract management system.SOLUTION: A contract management system for recording a signature in making a contract between an insurance company and an insurance contractor comprises contract management servers 11, 12 and a portable terminal 80. The contract management servers 11, 12 have a display 24 for outputting contract content data showing a content of the contract. The portable terminal 80 comprises a touch screen 82 and transmission means. The transmission means of the portable terminal 80 transmits locus data obtained by the insurance contractor signing the touch screen, as signature data. The transmitted signature data is stored in the contract management servers 11, 12.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an additional signature apparatus that is added to a contract management system of one contracting party and accepts the signature of the other contracting party when contracting between two contracting parties, and a contract management system using the same .

  When making a contract such as an insurance contract, the contract is often signed (signed) in order to express an intention to conclude the contract. Recently, contract contents are displayed on a touch screen, and a signature may be displayed on the touch screen.

  In order to record that the person has signed, there is a method of capturing a facial image with a camera or the like and recording it together with signature handwriting data (see, for example, Patent Document 1).

JP 2003-233719 A

  In general, an insurance company already has a large-scale contract management system for managing contracts. It is very expensive to modify this contract management system to record the contractor's electronic signature.

  Accordingly, an object of the present invention is to make it possible to easily add an electronic signature device to an existing contract management system.

  In order to achieve the above object, the present invention provides a contract content data indicating the content of the contract in a contract management system for recording the signature of the second contract party when contracting between the first contract party and the second contract party. A contract management server managed by the first contracting party, receiving means for receiving the contract content data output from the output means, a touch screen, and the second contracting party on the touch screen. It is characterized by comprising: an addition type signature device provided with a transmission means for transmitting the signed locus data as signature data; and a signature data storage device for storing the signature data.

  Further, the present invention provides an output means for outputting contract content data indicating the content of the contract in an additional signature system for recording the signature of the second contract party when contracting between the first contract party and the second contract party. A contract management server managed by the first contract party, receiving means for receiving the contract content data output by the output means, a touch screen, and trajectory data signed by the second contract party on the touch screen. A signature data storage device for storing the signature data transmitted by the additional signature device including a transmission means for transmitting as signature data.

  Further, the present invention provides a receiving function for receiving the contract content data output by the output means, and an output for outputting the contract content data indicating the content of the contract to a terminal provided with a touch screen and a communication means. And a program for realizing a transmission function for transmitting, as signature data, trajectory data signed on the touch screen by the second contracting party who contracts with the first contracting party that manages the contract management server.

  In the signature recording apparatus, the touch screen, the camera that images the operator of the touch screen, and the touch operation of the touch screen and images captured by the camera at the time of the touch operation are superimposed on each other. And a storage unit for storing as one electronic file.

  According to the present invention, an electronic signature device can be easily added to an existing contract management system.

It is a block diagram in one embodiment of a contract management system concerning the present invention. It is a flowchart which shows the procedure of the contract conclusion using one Embodiment of the contract management system which concerns on this invention. It is a figure which shows the display content of the display which displayed the information which specifies contract content in one Embodiment of the contract management system which concerns on this invention. It is a top view which shows the display of the touch screen of a portable terminal at the time of imaging | photography the information which specifies the contract content in one Embodiment of the contract management system which concerns on this invention. It is a top view which shows the display of the touch screen of a portable terminal after image | photographing the information which specifies contract content in one Embodiment of the contract management system which concerns on this invention. It is a perspective view which shows the hand of a portable terminal and a 2nd contract party when a 2nd contract party signs in one Embodiment of the contract management system which concerns on this invention. It is a top view which shows the display of the touch screen of a portable terminal after the 2nd contract party signed in one Embodiment of the contract management system which concerns on this invention. It is a figure which shows the transmission confirmation screen with respect to the 2nd contract party in one Embodiment of the contract management system which concerns on this invention. It is a figure which shows the display of the touch screen after transmission of signature data in one Embodiment of the contract management system which concerns on this invention.

  An embodiment of a contract management system according to the present invention will be described with reference to the drawings. This embodiment is merely an example, and the present invention is not limited to this. The same or similar components are denoted by the same reference numerals, and redundant description is omitted.

  FIG. 1 is a block diagram of an embodiment of a contract management system according to the present invention.

  The contract management system according to the present embodiment includes a plurality of contract management servers 11 and 12, an agency terminal 20, an application server 50, an encryption key storage device 60, and a portable terminal 80. This contract management system is used between a first contracting party such as an insurance company that undertakes payment of insurance claims in the event of an insurance accident, and a second contracting party such as an insurance contractor that is responsible for paying premiums. Used for contracts.

  In the present embodiment, it is assumed that company A and company B exist as parties to the first contract. Company A and Company B use their own Company A contract management server 11 and Company B contract management server 12 for contract management, respectively. The first contract party may be one company or three or more companies. The contract management servers 11 and 12 are installed in each insurance company, for example, and are managed by each insurance company.

  The agency terminal 20 is installed in, for example, an insurance agency. In this embodiment, the insurance agent is an agent that handles insurance contracts of two companies, Company A and Company B. The contract management servers 11 and 12 and the agency terminal 20 are connected using the Internet 90, for example. The contract management servers 11 and 12 and the agency terminal 20 may be connected by a dedicated line. The agency terminal 20 includes a web browser, for example, and exchanges information with the contract management servers 11 and 12. The information to be exchanged is controlled by the contract management servers 11 and 12, and therefore, it can be said that the agency terminal 20 is managed by an insurance company.

  The agency terminal 20 includes a personal computer main body 22 and a display 24 as display means for displaying contract contents. The application server 50 provides an application to the portable terminal 80 such as a smartphone owned and managed by the second contracting party.

  The portable terminal 80 includes a touch screen 82, a camera 84, a storage unit (not shown), and communication means (not shown). The touch screen 82 has a flat plate shape and displays information on the surface, and detects contact of a human finger or the like with the surface displaying information. The storage unit stores electronic data, application programs, and the like. The communication means is means for performing bidirectional communication with the contract management servers 11 and 12, the encryption key storage device 60 and the like via at least the Internet 90. The encryption key storage device 60 stores a public key corresponding to each first policyholder.

  FIG. 2 is a flowchart showing a procedure for concluding a contract using the contract management system of the present embodiment.

  First, the insurance agent explains the outline of the insurance to the second contracting party who is the policyholder. When the second contracting party contracts the insurance, the insurance agent uses the agency terminal 20 to input information such as the address, name, and age of the second contracting party. At this time, the agency terminal 20 communicates with the contract management servers 11 and 12 to transmit / receive necessary input items, contract numbers, and the like. When information necessary for the contract is input to the contract management servers 11 and 12 through the agency terminal 20 or the agency terminal 20, the agency terminal 20 displays the contract application on the display 24, for example (S1).

  The second contracting party confirms the contract application form displayed on the display 24. The contract application form may be printed on paper using a printer instead of the display 24. When the second contracting party confirms the contents of the contract application and agrees to the contents, the signature button displayed on the display 24 is pressed. Thereby, the contract content data indicating the contract content is output from the contract management servers 11 and 12 and displayed on the display 24 of the agency terminal 20 (S2). The contract content data may be printed on paper.

  FIG. 3 is a diagram showing the display content of the display that displays the information for specifying the contract content in the present embodiment.

  The information specifying the contract content (contract content data) includes a hash value 36 obtained from the electronic data of the contract application form. This hash value 36 is a value uniquely determined from the contract application form. This hash value is sufficiently long so that the same value does not appear in a plurality of contracts handled by one party of the first contract. The hash value 36 is displayed as a two-dimensional barcode 31. Furthermore, the insurance company name 32, the insurance contractor name 33, the insurance product name 34, the contract ID 35, and the like may be included in the information for specifying the contract contents.

  In many cases, an existing system that displays a page having a button for inputting a contract content and a consent to the contract content on the display 24 uses HTML. When remodeling this existing system so that the contract content is displayed on the display 24 using a two-dimensional barcode or the like, the JavaScript (registered) is added to the HTML file of the page provided with a button for inputting the contract content and the consent to the contract content. It is only necessary to add one tag for calling the trademark program. That is, the existing contract management system can be modified only by adding this tag. This JavaScript (registered trademark) program can be created, debugged, etc. independently of the contract management system. In addition, the possibility of adversely affecting existing systems is extremely small.

  Next, the second contracting party downloads the signature application from the application server 50 to the portable terminal 80 owned by the second contracting party (S3). The signature application may be downloaded in advance.

  Using this signature application, the second contracting party captures information (contract content data) specifying the contract content displayed on the display 24 by the camera 84 of the portable terminal 80 (S4). That is, the camera 84 functions as a receiving unit that receives the contract content data output from the display 24.

  FIG. 4 is a plan view showing the display on the touch screen of the portable terminal when photographing the information specifying the contract contents in the present embodiment.

  When the contract contents can be specified by the two-dimensional barcode 31, only the two-dimensional barcode 31 needs to be photographed. When the portable terminal 80 has a camera (first camera) provided on the back side of the touch screen 82, the two-dimensional barcode 31 or the like may be shot with the camera on the back side. Alternatively, the information specifying the contract content may be transmitted to the portable terminal 80 by wireless communication using electromagnetic waves of a standard such as a wireless LAN, Bluetooth (registered trademark), iBeacon (registered trademark), IrDA, or the like.

  FIG. 5 is a plan view showing the display on the touch screen of the mobile terminal after photographing the information specifying the contract contents in the present embodiment.

  On the touch screen 82 of the portable terminal 80, information related to the contract content is displayed, and a signature area 86 for signing is displayed (S4). The second contracting party signs (signs) the signature area 86 of the touch screen 84 with his / her finger (S5).

  FIG. 6 is a perspective view showing the portable terminal and the hand of the second contracting party when the second contracting party signs in the present embodiment.

  At the time of signing, the mobile terminal 80 takes a picture with the camera 84 (second camera). The shooting by the camera 84 may be a still image or a moving image. Since the camera 84 is provided on the display surface side of the touch screen 82 in the same casing of the portable terminal 80, the face of the second contracting party being signed can be imaged.

  The signature by the second contracting party is stored as finger trace data on the touch screen 82. This trajectory data is stored as vector data or image data. The vector data may indicate the trajectory over time. This signature data is stored as an electronic file, for example, together with an image taken by the camera 84 being signed (S6). This electronic file preferably includes the date and time of the signature and position information. The date and time is obtained from a clock inside the portable terminal 80. The position information is obtained from a position income function such as GPS (Global Positioning System) provided inside the mobile terminal 80.

  FIG. 7 is a plan view showing a touch screen display of the portable terminal after the second contracting party has signed in the present embodiment.

  When the second contracting party signs on the portable terminal 80, the “OK” button displayed on the touch screen 82 is tapped to transmit the signature data to the contract management servers 11 and 12 of the first contracting party (S7). ).

  FIG. 8 is a diagram showing a transmission confirmation screen for the second contracting party in the present embodiment.

  Prior to the transmission, the second contracting party may be asked for consent to the transmission. In other words, it may be possible to prevent transmission unless the consent check box (or toggle button) is checked.

  At this time, the signature data is encrypted with the public key transmitted from the encryption key storage device 60. The public key is different for each party of the first contract. Accordingly, when the contract is concluded with the company A, since it is encrypted with the public key unique to the company A, even if it is read on the Internet 90, or the contract management server 12 of the company B is erroneously read. Even if it is transmitted to, the signature data cannot be decrypted by any company other than the company A having the private key that is the basis for creating the public key. The transmitted signature data is stored in the contract management servers 11 and 12. That is, the contract management servers 11 and 12 also function as a signature data storage device that stores signature data. The encryption key such as the public key and the secret key may be improved in reliability by using a public key infrastructure (PKI).

  FIG. 9 is a diagram showing a display on the touch screen after the signature data is transmitted in the present embodiment.

  After the signature data is transmitted, the signature data is deleted from the portable terminal 80.

  As described above, in the present embodiment, the portable terminal 80 functions as an additional signature device added to the existing contract management servers 11 and 12. This function is realized by an application (computer program) in a portable terminal 80 having a touch screen 82 and communication means.

  By using such a contract management system, it is possible to obtain data indicating the signing fact together with the signer's image at the time of signing, so that the subsequent proof that the second contractor himself is signing can be obtained. It becomes easy. Further, when the existing contract management servers 11 and 12 and the agency terminal 20 are used, a modification is added to add a function for outputting information for specifying contract contents to an output means such as a display 24 and a function for storing signature data. Therefore, the cost of remodeling the system including the contract management servers 11 and 12 and the agency terminal 20 can be reduced.

  As in the present embodiment, in the case of an insurance contract, an agent may explain the contents of the insurance product to the policyholder and receive the contract in place of the insurance company. In other words, the policyholder first passes personal information to the agency, not the insurance company that is the other party of the contract. When signing an electronic device such as a touch screen, some policyholders may be worried about managing the signature trajectory data and facial images once they reach the agency.

  However, in the present embodiment, the trajectory of the finger at the time of signature and the image data obtained by photographing the face of the second contract party are encrypted by the portable terminal 80 owned by the second contract party. The encrypted data can be decrypted only by the contract management servers 11 and 12 of the first contract party. For this reason, there is no worry that such sensitive data remains in the agency terminal 20 or the like. Therefore, the second contracting party can also sign with peace of mind.

  By deleting the signature data from the portable terminal 80 after the signature data is transmitted, it is possible to prevent the signature data from reaching the third party even when the portable terminal 80 is lost or discarded. . As described above, in the present embodiment, when a signature is performed on an electronic device and a signer's image is captured, the possibility of leakage of signature trajectory data and the signer's image can be reduced.

  The signature data, which is the data of the trajectory of the finger at the time of signature by the second contracting party, together with the image captured by the camera 84 during signature, for example, electronic data obtained by superimposing the trajectory data on the image, thereby falsifying the signature data Becomes difficult.

  In this embodiment, an insurance contract is taken as an example, but the content of the contract is not limited to insurance.

DESCRIPTION OF SYMBOLS 11 ... Contract management server, 12 ... Contract management server, 20 ... Agency terminal, 22 ... Personal computer main body, 24 ... Display, 31 ... Two-dimensional barcode, 32 ... Insurance company name, 33 ... Insurance contractor name, 34 ... Insurance product name, 35 ... Contract ID, 36 ... Hash value, 50 ... Application server, 60 ... Encryption key storage device, 80 ... Mobile terminal, 82 ... Touch screen, 84 ... Camera, 86 ... Signature area, 90 ... Internet

Claims (10)

In a contract management system for recording a signature of a second contract party when contracting between a first contract party and a second contract party,
A contract management server managed by the first contracting party with output means for outputting contract content data indicating the content of the contract;
An additional signature apparatus comprising: a receiving unit that receives the contract content data output by the output unit; a touch screen; and a transmission unit that transmits trajectory data signed by the second contracting party to the touch screen as signature data; ,
A signature data storage device for storing the signature data;
A contract management system characterized by comprising: The output means outputs the contract content data as a two-dimensional barcode,
The contract management system according to claim 1, wherein the receiving unit is a first camera that captures the two-dimensional barcode. The output means outputs the contract content data by electromagnetic waves,
The contract management system according to claim 1, wherein the receiving unit receives electromagnetic waves.   The portable terminal further includes a second camera that captures the display screen direction of the touch screen, and the signature data includes image data captured by the second camera at the time of signature. The contract management system according to any one of claims 1 to 3. An encryption key storage device storing an encryption key corresponding to the first contract party;
The portable terminal further includes an encryption unit that encrypts the signature data with the public key.
The contract management system according to any one of claims 1 to 4, wherein the contract management system is characterized in that:   6. The contract management system according to claim 5, wherein the encryption key is a public key created based on a secret key possessed by the first contract party. The portable terminal further includes at least one of a position information acquisition device and a watch,
The signature data includes at least one of position information acquired by the position information acquisition unit when the policyholder signs and date / time information indicated by a clock when the policyholder signs.
The contract management system according to any one of claims 1 to 6, wherein the contract management system is characterized in that: In an additional signature system for recording a signature of a second contract party when a contract is made between the first contract party and the second contract party,
A contract management server managed by the first contracting party comprising output means for outputting contract content data indicating the content of the contract;
An additional type signature apparatus comprising: a receiving unit that receives the contract content data output from the output unit; a touch screen; and a transmission unit that transmits, as signature data, trajectory data signed by the second contracting party on the touch screen. A signature data storage device for storing the transmitted signature data;
An additional signature system comprising: To a terminal equipped with a touch screen and communication means,
Receiving the contract content data output by the output means; a touch screen; and an output means for outputting contract content data indicating the content of the contract. The first contracting with the first contract party managing the contract management server. (2) a transmission function for transmitting, as signature data, trajectory data signed by the contracting party on the touch screen;
A program that realizes Touch screen,
A camera for imaging the operator of the touch screen;
A storage unit that stores the touch operation of the touch screen and an electronic file obtained by superimposing images captured by the camera at the time of the contact operation;
A signature recording apparatus comprising:

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