KR20170096816A

KR20170096816A - Method for Providing Digital Notarization of a Promissory Note by using Videotelephony Certification of Creditor

Info

Publication number: KR20170096816A
Application number: KR1020160018541A
Authority: KR
Inventors: 김승기; 김병진; 김재형
Original assignee: (주)기브텍
Priority date: 2016-02-17
Filing date: 2016-02-17
Publication date: 2017-08-25

Abstract

The present invention relates to a method of notifying an unauthorized person using a creditor image authentication method, wherein a method of notifying an unauthorized person using a creditor image authentication according to the present invention is implemented through a server for managing an electronic token between a debtor and a creditor, A first step of generating an electronic document of a charter which is finally agreed between a creditor and a debtor on the basis of the charter information exchanged between the terminal and the debtor terminal; a first step of electronic signature of the creditor on the finally agreed chartered electronic document; A second step of performing a signature procedure to generate an original of a chartered electronic document to which the creditor digital signature value and a debtor digital signature value are attached; and a third step of storing the generated chartered electronic document source in a designated electronic document repository, When applying for the electronic notarization of the electronic document for debenture through the creditor terminal, A fourth step of providing an electronic document to be notified of an electronic notary to a notarized terminal designated by the notary public terminal, and a fourth step of receiving, from the notarized terminal, one or more image authentications including image authentication between the notary and the creditor, A fifth step of performing an electronic signature process of the notary public for the notarized document to generate an original document of the chartered notarized document to which at least the notarized electronic signature value is attached; And storing it in a document repository.

Description

TECHNICAL FIELD [0001] The present invention relates to an electronic notarization method using creditor image authentication,

The present invention relates to a remote face-to-face authentication based on image authentication with a notary person designated by a creditor for an electronic document of a chartered bill electronically generated based on an agreement between a creditor and a debtor and stored in an electronic document archive with an electronic signature of the creditor and a debtor attached thereto , It is necessary to create a notarial certificate notarized with the electronic signature of the creditor, the debtor and the notary public, and store it in the electronic document repository.

The Ministry of Justice in Korea operates an electronic notarization system (http://enotary.moj.go.kr/) that notifies the electronic document through the designated notary public as of February 2016. Whereas conventional notarized documents could only be notarized through a notary public, electronic notarized notarized notarized notarized documents are also provided for electronic documents.

However, the conventional electronic notarization system operated by the Ministry of Justice provides electronic notarization service only for librarianship, articles of association, and minutes, and the entrusted person (ie, one person) electronizes his / After applying for notarization, they are required to visit the notary public office to confirm their presence and proceed with notarization.

That is, in the conventional electronic notary system, only the electronic document (the librarian's certificate, the articles of association, and the minutes) of the electronic document written by the entrusted person himself can apply for the electronic notarization, And it is inconvenient to notarize the document after confirming the presence of a person by visiting a notary's office as in the case of a conventional notarized paper document for electronic notarization.

An object of the present invention to solve the above problems is to provide an electronic document of a credit, which is electronically generated based on an agreement between a creditor and a debtor and is stored in an electronic document archive with the electronic signature of the creditor and the debtor attached thereto, Performing a digital signature procedure of the notary public's notary document on the notary public notary document generated by including at least one image certificate including the image authentication between the notary and the creditor from the notary public terminal, Provided is an omnipotent electronic notarization method using creditor image authentication in which an original document of chartered notary document with an electronic signature value of at least a notarized person is generated and then the original document of chartered notary document is stored in the electronic document repository in connection with the original document of the chartered electronic document .

According to the present invention, there is provided a method for executing an electronic bill of lading using creditor image authentication, which is executed through a server for managing electronic tolls between a debtor and a creditor, comprising the steps of: The electronic signature process of the creditor for the final agreed upon electronic document and the electronic signature process of the debtor are performed so that the electronic signature value of the creditor and the electronic signature value of the debtor are changed A second step of generating an original document of the attached chartered electronic document, a third step of storing the generated original document of the chartered electronic document in a designated electronic document repository, and a third step of, when requesting electronic notarization for the chartered electronic document via the creditor terminal, And a fourth document providing an electronic document for notary public to be electronically notified to the notarized terminal designated by the creditor terminal And an electronic signature process of the notarial document generated from the notarized terminal based on at least one image authentication including image authentication between the notary and the creditor, A fifth step of generating an original document of a chartered document to which an electronic signature value is attached, and a sixth step of storing the original document of the chartered certificate in the electronic document repository in connection with the original document of the chartered electronic document.

According to the present invention, the information on the user can be generated in association with the creditor terminal or generated in conjunction with the debtor terminal.

According to the present invention, the second step may include generating the original document of the chartered electronic document by packaging the chartered electronic document, the creditor digital signature value, and the debtor digital signature value. Meanwhile, the second step may further include generating and attaching an electronic signature value for the package of the electronic document signature, the creditor electronic signature value, and the debtor electronic signature value through the server side certificate.

According to the present invention, the second step may include generating and associating meta information on the combination of the chartered electronic document, the creditor digital signature value and the debtor digital signature value to generate an original of the chartered electronic document. Meanwhile, the second step may further include generating and attaching an electronic signature value for a combination of the electronic signature value of the user, the creditor electronic signature value, and the debtor electronic signature value through the server side certificate. Meanwhile, the second step may further include generating and attaching an electronic signature value for a combination of the electronic document signature, the debtor electronic signature value, the debtor electronic signature value, and the meta information through the server side certificate.

According to the present invention, the charter's notarial document may further include an authentication document of a notary public notarizing the chartered electronic document. Meanwhile, the chartered notarized document may further include image authentication information obtained through the notarized terminal in at least one image authentication process.

According to the present invention, in the image authentication between the notary and the creditor, the fifth step includes an electronic certificate of debenture which is exposed from at least one of the notary terminal and the creditor terminal in the image authentication process between the notary terminal and the creditor Receiving the notarized electronic signature value of the creditor side chartered notary document and receiving the creditor side chartered notarized document to which the notarized digital signature value is attached. Meanwhile, the creditor side chartered notarized document may further include an authentication document of a notary public who has notified the chartered electronic document exposed in the image authentication process between the notary and the creditor. Meanwhile, the creditor's notary public notary document may further include image authentication information obtained through the notarized terminal in the image authentication process between the notary and the creditor.

According to the present invention, in the image authentication between the notary and the debtor, the fifth step may include an electronic certificate of debenture which is exposed from at least one of the notary terminal and the debtor terminal in the image authentication process between the notary terminal and the debtor Receiving the notarized electronic signature value of the debtor side notarial authentication document and receiving the debtor side notarial authentication document to which the notarized digital signature value is attached. On the other hand, the debtor's notary public notary document may further include an authenticated notarial document of a notary public who has notified the electronic document to be borrowed in the image authentication process between the notary and the debtor. Meanwhile, the debtor's notary public notary document may further include image authentication information obtained through the notarized terminal in the image authentication process between the notary and the debtor.

According to the present invention, the fifth step may further include generating an original document of chartered notary document by combining the creditor's side chartered notarized document received from the notarized terminal and the debtor's chartered notarized document.

According to the present invention, the fifth step includes the steps of authenticating the identity of the electronic document of the charterer included in the creditor's side chartered notarial document received from the notarized terminal and the chartered electronic document included in the debtor's chartered notarial document, The method may further include generating an original document of the chartered notary document by combining the creditor side chartered notarial document and the debtor's chartered notarial document at the time of authentication.

According to the present invention, if the notarized digital signature value generated based on the image authentication between the notary and the creditor and the notarized digital signature value generated based on the image authentication between the notary and the debtor are the same, And generating an original document of chartered notary document in which a signature value is attached to a chartered notarized document including the chartered electronic document.

According to the present invention, by providing an electronic notarization based on an image authentication on an electronically generated electronic document based on an agreement between a creditor and a debtor, an electronic notarized notarial notarization document is obtained when a dispute arises in a borrower- There is an advantage of eliminating disputes without trial or proceeding.

1 is a diagram showing a configuration of an unauthorized electronic notarization system according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a process of generating an electronic document for a charter for a borrower-borrower transaction according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of generating an electronic signature for a borrower-borrower transaction according to another embodiment of the present invention.
4 is a diagram illustrating a process of generating an original document of a chartered account of a borrower-borrower transaction according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a ticket issuance process for an electronic notarization based on an image authentication of an electronic document for an unauthorized use according to an embodiment of the present invention.
6 is a diagram illustrating a video call connection process between a creditor terminal and a notary party for processing electronic notifications based on a request of a creditor terminal according to an embodiment of the present invention.
7 is a diagram illustrating an image authentication process between a notary and a creditor for electronic notarization according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a process of generating a creditor side notarized document for electronic notarization according to an embodiment of the present invention.
9 is a diagram illustrating a video call connection process between a debtor terminal and a notary public terminal for processing electronic notarization according to an embodiment of the present invention.
10 is a diagram illustrating an image authentication process between a notary public and a debtor for electronic notarization according to an embodiment of the present invention.
11 is a diagram illustrating a process of generating and storing an original document of an unauthorized document according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram showing a configuration of an unauthorized electronic notarization system according to an embodiment of the present invention.

In more detail, FIG. 1 shows an image of a borrower's electronic document that is electronically generated based on an agreement between a creditor and a debtor and is stored in an electronic document repository 175 with an electronic signature of the creditor and a debtor attached thereto, A system for generating a chartered notarized document to which an electronic signature of a creditor, a debtor and a notary public is attached based on a remote face authentication based on authentication, and storing the chartered notarized document in an electronic document repository 175, It is possible to refer to and / or modify the drawing 1 to infer various embodiments of the above-mentioned unauthorized electronic notary system (e.g., some of the constituent parts may be omitted, or subdivided, or combined) However, the present invention includes all of the above-mentioned embodiments, Only the method is not limited that technical feature.

The system of the present invention includes a creditor terminal 185 that a creditor uses for electronic document generation and / or electronic notarization, a debtor terminal 180 that the debtor uses for electronic document generation and / or electronic notarization, A notary public terminal 190 for use in notarizing the electronic document for borrowing generated through a final settlement between the debtor and the debtor, and a notary terminal 190 for exchanging information for generating an electronic document between the creditor and the debtor, And stores and manages the electronic document for borrowing with the electronic signature of the creditor and the debtor in the designated electronic document repository 175. Based on the remote face authentication based on the image authentication through the designated notary, the creditor, the debtor and the notary (Not shown) to the electronic document archive 175, The electronic document repository 175 may be implemented in the operation server 100 or through a separate server associated with the operation server 100 or may be implemented in an authorized electronic document And a repository 175.

The creditor terminal 185 is a collective term of a terminal used by a creditor for generating an electronic document for a charter and / or an electronic notarization of an electronic document of a charter, and preferably includes a wireless terminal such as a mobile phone, a smart phone or a tablet PC used by a creditor , And a wired terminal such as a PC or a notebook computer used by a creditor according to an implementation method. However, it is clear that the creditor terminal 185 is not limited to a wireless terminal or a wired terminal, and that any terminal can be used if the creditor is a terminal used for generating an electronic document for the purpose of borrowing and / or electronically signing the electronic document for borrowing .

According to the embodiment of the present invention, the creditor terminal 185 communicates with the operation server 100 to install and execute a program for creating an electronic document for charter and / or electronic notarization. Hereinafter, it will be clear that, although there is no separate instruction in the description of the present invention, a description with the creditor terminal 185 as a main body is performed through a program installed in the creditor terminal 185. [

According to the embodiment of the present invention, the program installed in the creditor terminal 185 may include an electronic signature function for generating an original document for electronic signature on a charter note or for electronic notarization, or interworking with a separate program having the electronic signature function To this end, a creditor certificate for the electronic signature is provided in the memory unit of the creditor terminal 185 (or a medium in contact / noncontact interaction with the creditor terminal 185). Preferably, the certificate includes a public certificate issued to a creditor by an authorized certification authority, and the certificate for signing an electronic document (for example, an electronic certificate, etc.) issued to a creditor in an authentication server (not shown) ECC-based certificate, etc.), and the present invention is not limited by the type of the certificate or the signature algorithm.

In the case of processing the electronic notarization for the chartered electronic document on the basis of the image authentication according to the embodiment of the present invention, the program installed in the creditor terminal 185 has a video call function for remote face authentication based on image authentication Alternatively, the creditor terminal 185 can be interlocked with a separate program having the video call function. To this end, the creditor terminal 185 includes a camera capable of providing remote face authentication based on image authentication.

The debtor terminal 180 is a collective term of a terminal used by a debtor to generate an electronic document for anonymous charter and / or electronic notarization of the electronic document for debtor, and preferably includes a wireless terminal such as a mobile phone, a smart phone or a tablet PC used by a debtor , And a wired terminal such as a PC or a notebook used by the debtor according to the method of operation. However, it is clear that the debtor terminal 180 is not limited to a wireless terminal or a wired terminal, and that any terminal can be used if the debtor is a terminal used for generating an electronic document for the purpose of borrowing and / .

According to the embodiment of the present invention, the debtor terminal 180 communicates with the operation server 100 to install and execute a program for generating an electronic document for debts and / or an electronic notarization. Hereinafter, it will be apparent that, although there is no separate instruction in the description of the present invention, a description based on the debtor terminal 180 is performed through a program installed in the debtor terminal 180. [

According to the embodiment of the present invention, the program installed in the debtor terminal 180 may have an electronic signature function for generating an original document for electronic signature on borrowed paper or for electronic notarization, or may be interlocked with a separate program having the electronic signature function To this end, the memory unit of the debtor terminal 180 (or a medium that contacts / contacts the debtor terminal 180) has a creditor's certificate for the digital signature. Preferably, the certificate includes a public certificate issued to the debtor by a public certification authority, and the certificate for signing an electronic document (for example, a public key certificate, etc.) issued to the debtor in an authentication server (not shown) ECC-based certificate, etc.), and the present invention is not limited by the type of the certificate or the signature algorithm.

According to the embodiment of the present invention, in the case of processing electronic notarization for an electronic document for chartering based on image authentication, the program installed in the debtor terminal 180 has a video call function for remote face authentication based on image authentication Or may be interlocked with a separate program having the video call function. To this end, the debtor terminal 180 includes a camera capable of providing remote face authentication based on image authentication.

The notarized terminal 190 is a collective term of a terminal used by a notary person to notarize an electronic document for notary public by using a notary public to generate a notarized notarized document and preferably includes a wired terminal such as a PC or a notebook used by a notary public. A mobile phone, a smart phone, a tablet PC, and the like. However, the notarized terminal 190 is not limited to a wired terminal or a wireless terminal, and it is clear that any terminal can be used for a terminal used for notarizing an electronic document for notary public by a notary.

According to the embodiment of the present invention, the notarized terminal (190) communicates with the operation server (100) to install and execute a program for electronic notarization of the chartered electronic document. Hereinafter, it is clear that, although there is no separate instruction in the description of the present invention, the description with the notary public terminal 190 as a main body is performed through a program installed in the notarized terminal 190. [

According to the embodiment of the present invention, the program installed in the notarized terminal 190 has an electronic signature function for electronic notarization or can be interlocked with a separate program having the electronic signature function. For this purpose, The memory unit of the terminal 190 (or a medium that makes contact / non-contact interfacing with the notarized terminal 190) has a notarized certificate for the digital signature. Preferably, the certificate includes a public certificate issued to a notary public by an authorized certification authority, and the certificate for signing an electronic document issued to the notary public (for example, ECC-based certificate, etc.), and the present invention is not limited by the type of the certificate or the signature algorithm.

In the case of processing electronic notarization for an electronic document for chartering based on image authentication according to an embodiment of the present invention, the program installed in the notarized terminal 190 has a video call function for remote face authentication based on image authentication Or a separate program having the video call function. To this end, the notarized terminal 190 includes a camera capable of providing remote face authentication based on image authentication.

The operation server 100 may be configured to exchange information for generating an electronic document between the creditor and the debtor, a procedure for the electronic creditor and the debtor to electronically document the final settlement of the debtor, A procedure for storing or managing the generated original document of e-mail document in the designated electronic document repository 175, a procedure for providing remote face authentication based on the image authentication, a procedure for processing the electronic notarization for the forgery electronic document A procedure for generating an original document of the chartered notary document through digital signature of the creditor and the debtor and the notary public, and a procedure for storing or managing the original document of chartered notary document in the designated electronic document repository 175 A generic term for a server-side configuration, implemented in the form of a single server system, The server combination may be implemented in a form of a combination of servers, or may be implemented in a form of a program in a built-in server device. That is, the operating server 100 is not limited to a physical server, and if it performs at least one specified procedure on the network, it is clearly indicated that the operating server 100 belongs to the operating server 100 of the present invention.

The creditor and the debtor lend the borrowing amount and the borrower carries out a borrowing transaction and the operating server 100 interlocks with the creditor terminal 185 and / or interlocks with the debtor terminal 180 and / A procedure for exchanging information for generating an electronic document between the creditor and the debtor in cooperation with the creditor, a procedure for the electronic document of the final settlement of the debtor by the creditor, and an electronic document originating from the electronic signature of the creditor and / And a procedure for storing or managing the generated electronic document original in the designated electronic document repository 175.

According to the first transaction example of the present invention, the creditor and the debtor can individually engage in borrowing transactions between the parties. For example, the creditor and the debtor can meet each other and lend cash (or securities or in-kind corresponding to cash) and conduct borrowing transactions. Alternatively, the creditor and the debtor can perform a borrowing transaction in the form of an account transfer using a separate financial transaction system not linked to the operating server 100.

According to the second transaction example of the present invention, the creditor and the debtor can perform the borrowing transaction using the financial transaction system associated with the operation server 100. [ For example, the creditor and the debtor can perform the borrowing transaction in the form of the account transfer using the financial transaction system associated with the operation server 100.

According to the third transaction example of the present invention, the creditor and the debtor can create an electronic document for debtor through the operating server 100, thereby allowing the creditor and the debtor to borrow The transaction can be made automatic. For example, the creditor and the debtor can generate an IOU document through the operation server 100, and the operation server 100 can generate an IOE document (or an IOE document) ) Withdraws the borrowing amount included in the above-mentioned borrowing electronic document from the account of the creditor (for example, the account of the creditor name included in the borrowing electronic document) through the financial transaction system specified on the basis of the above-mentioned borrowing electronic document, (For example, stored in an escrow account), and after the generation of the original document for borrowing electronic documents (or after the same procedure as the borrower's identity verification), the borrower's borrowing amount based on the above- (For example, an account of the name of the debtor included in the charter e-document).

According to the fourth transaction example of the present invention, the borrower transaction may be implemented in a form of at least partially combining at least two embodiments among the first to third borrower transaction embodiments, Includes all borrowing transactions that can be derived based on the first to third borrowing transaction embodiments.

Referring to FIG. 1, the operation server 100 includes an ornithosis information generating unit 105 for generating an ornithosis information corresponding to a borrowing transaction between a creditor and a debtor, (110) for exchanging the generated orbital information with the creditor and the debtor to mutually agree on the information about the charter information, and a user information creating unit (110) for creating a chartered electronic document corresponding to the charter information finally agreed between the creditor and the debtor And an electronic signature process of the debtor and an electronic signature of the debtor are performed based on the agreement between the creditor and the debtor, An original document creating unit 120 for creating an original document of the attached chartered electronic document, It comprises an electronic document storage unit 125 to store, and a digital document management unit 130 for managing the IOU electronic document stored in the original electronic document storage 175 in the original electronic document IOU.

The borrowing information generating unit 105 may be linked to the creditor terminal 185 and / or interworking with the debtor terminal 180 and / or in cooperation with the borrowing transaction, in response to a borrowing transaction between a creditor and a debtor Performs the procedure to generate the information about the charter.

According to the first embodiment of the present invention, the credit information generating unit 105 initiates a process of generating credit information for a borrower transaction between a creditor and a debtor in cooperation with the creditor terminal 185, (For example, at least one of creditor personal information, creditor account information, creditor contact information, creditor identification information, and information for communicating with the creditor terminal 185), creditor information (for example, (For example, information on borrower's account information, borrower's contact information, and information on the borrower's identification information or information for communicating with the debtor terminal 180), borrowing information (for example, borrowing amount, borrowing date, The interest rate, the interest payment method, and the delinquent payment rule), and receives the creditor information and the debt information Information and borrowing information can be made to produce the IOU information contained in the specified format. For example, in the case of the first or third borrowing transaction embodiment, the charter information generating unit 105 may generate the charter information for the borrowing transaction between the creditor and the debtor in conjunction with the creditor terminal 185 .

According to the second embodiment of the present invention, the orbiting-credential information generation unit 105 initiates a process of generating the information about the user's debenture transaction between the creditor and the debtor in cooperation with the debtor terminal 180, (For example, at least one of creditor personal information, creditor account information, creditor contact information, creditor identification information or information for communicating with the creditor terminal 185) from the debtor terminal 180, debtor information (for example, (For example, information on borrower's account information, borrower's contact information, and information on the borrower's identification information or information for communicating with the debtor terminal 180), borrowing information (for example, borrowing amount, borrowing date, The interest rate, the interest payment method, and the delinquent payment rule), and receives the creditor information and the debt information Information and borrowing information can be made to produce the IOU information contained in the specified format. For example, in the first or third borrowing transaction embodiment, the charter information generating unit 105 may generate the charter information for the borrowing transaction between the creditor and the debtor in conjunction with the debtor terminal 180 .

According to the third embodiment of the present invention, the credit information generating unit 105 may be linked to the creditor terminal 185 or linked with the financial transaction system associated with the creditor terminal 185, . &Lt; / RTI > For example, when the creditor terminal 185 inputs / selects the identification information that identifies that the financial transaction is a borrowing transaction in the course of processing a financial transaction (for example, a money transfer transaction) through the financial transaction system, The control unit 105 can confirm that the financial transaction is a borrowing transaction between a creditor (for example, a remitter) and a debtor (for example, a receiver) based on the identification information. In this case, the charter information generating unit 105 generates creditor information (for example, creditor personal information, creditor information, etc.) based on at least one of information input through the creditor terminal 185 and information confirmed through the creditor- (For example, information for one or more of account information, creditor contact information, creditor identification information, and information for communicating with the creditor terminal 185), information on the debtor (such as one or more of the debtor personal information, the debtor account information, (For example, information for communication with the debtor terminal 180), borrowing information (for example, one or more of the borrowing amount, the borrowing date, the repayment term or the repayment date, the repayment method, the interest rate, the interest payment method, , Etc.) and includes the creditor information, the debtor information, and the borrowing information in a designated form It can create an IOU information. . For example, in the case of the second borrowing transaction embodiment, the charter information generating unit 105 generates a charter information for the borrower transaction between the creditor and the debtor in cooperation with the financial transaction system of the creditor terminal 185 and / Information can be generated.

According to the fourth embodiment of the invention, the credit information generating unit 105 may be linked to the debtor terminal 180 or linked with the financial transaction system associated with the debtor terminal 180, . &Lt; / RTI > (For example, a receiver of a bank transfer transaction) in the course of a normal financial transaction (for example, account transfer transaction) is not carried out. However, in the case of a borrower transaction using the financial transaction system according to the present invention The borrower information acquisition unit 105 may perform authentication or digital signature on the debtor in order to receive the amount borrowed from the creditor in the debtor's account and / or to withdraw the deposited amount, In connection with the procedure in which the debtor receives the borrowing amount and / or withdraws the deposited amount, it can confirm that the creditor performs the borrowing transaction with the debtor. In this case, the charter information generating unit 105 generates creditor information (for example, creditor personal information (for example, personal information) based on one or more pieces of information input through the debtor terminal 180 and information confirmed through the financial transaction system of the debtor (For example, one or more of the creditor account information, the creditor contact information, the creditor identification information, and the information for communicating with the creditor terminal 185), the debtor information (for example, the debtor personal information, the debtor account information, the debt information, (For example, the above information or information for communicating with the debtor terminal 180), borrowing information (for example, one or more of the borrowing amount, borrowing date, repayment period or repayment date, repayment method, interest rate, interest payment method, And various information to be included in the charter), and the creditor information, the debtor information and the borrowing information are included in the designated form Can be generated. . For example, in the case of the second borrowing transaction embodiment, the charter information generating unit 105 generates a charter information for the borrower transaction between the creditor and the debtor in cooperation with the debtor terminal 180 and / Information can be generated.

According to the fifth embodiment of the present invention, the orphanage information generating unit 105 generates at least one of at least two embodiments among the first to fourth IGMs, And borrowing information including borrowing information, and thus the present invention is not limited thereto.

If the charter information is generated based on at least one of the first to fifth charter generation examples through the charter information generating unit 105, the charter information exchanging unit 110 transmits the charter information to the creditor terminal 185, The borrower terminal 180 exchanges the generated orbital information with the creditor terminal 180 so that the creditor and the debtor can mutually agree on the information about the ornithology.

According to the first embodiment of the present invention, in the case where the above-mentioned first or second purveyor information is generated in cooperation with the creditor terminal 185 and / or the creditor's financial transaction system through the purveyor information generator 105, The exchange unit 110 performs a procedure of providing the information on the user's orphanage to the debtor terminal 180 on the basis of the information on the debtor included in the information on the information on the user. And displays an interface for 'agreement' or 'modification' of the debtor with respect to the information on the above-mentioned use. If at least one of the pieces of information included in the displayed information for the registered user is requested to be modified (or requested to be revised) by the debtor via the debtor terminal 180, (Or amendment request) to the creditor terminal 185 on the basis of the creditor information included in the above-mentioned charter information, (Or a modification request made) to the creditor terminal 185. An app (or a browser) provided in the creditor terminal 185 transmits a request for modification (or modification request) (Or amendment requested), and the creditor's approval for the amendment (or amendment requested) (or amendment requested) 'Or' edit 'the interface. Preferably, the process of exchanging and / or correcting the orphan account information between the creditor terminal 185 and the debtor terminal 180 may be performed by the debtor who has exchanged (or modified and exchanged) between the creditor and the debtor It can be repeated until the consent of the creditor and the approval of the creditor are confirmed and the creditor and the debtor agree on the information of the above mentioned charter information.

According to the second embodiment of the present invention, in the case where the above-mentioned first or second purveyor information is generated in cooperation with the debtor terminal 180 and / or the debtor's financial transaction system through the purveyor information generator 105, The exchange unit 110 performs a procedure of providing the credit information to the creditor terminal 185 on the basis of the creditor information included in the credit information. The application (or browser) provided in the creditor terminal 185 is designated And may display an interface for 'approval' or 'modification' of the creditor with respect to the information about the charter information. If at least one of the information included in the indicated orbital information is requested to be modified (or requested to be revised) by the creditor through the creditor terminal 185, the ornithine purse information exchange part 110 transmits the information (Or amendment request) to the debtor terminal 180 on the basis of the debtor information included in the above-mentioned information regarding the use of the debtor, (Or a modification request made) to the debtor terminal 180. The app (or the browser) provided in the debtor terminal 180 performs a process of providing the amendment (or amendment requested) (Or the amendment requested for correction (or amendment) requested) of the borrower for the amendment (or amendment requested) 'Or' edit 'the interface. Preferably, the process of exchanging and / or correcting the information on the orbits of the debtor between the debtor terminal 180 and the creditor terminal 185 may be performed by a creditor who has exchanged (or amended, exchanged) information between the debtor and the creditor It can be repeated until the creditor and the debtor have agreed to the information on the above-mentioned information.

When the creditor and the debtor agree on the information on the orphanage that is exchanged (or changed and exchanged) between the creditor terminal 185 and the debtor terminal 180 via the orphan bulletin information exchange unit 110, The unit 115 generates an electronic version of an electronic bill of lading containing the information of the user who has been finally agreed upon between the creditor and the debtor.

According to the embodiment of the present invention, the electronic document generation unit 115 may generate an electronic service document for the user including an oronymity information finally agreed between the creditor and the debtor on the basis of the format structure included in the above-mentioned " . Alternatively, the electronic document generation unit 115 may generate an electronic service document including the finally-agreed to-do-list information based on a separate designated format structure.

According to an embodiment of the present invention, the electronic document generation unit 115 may include at least one of a watermark (e.g., a hidden watermark), a DRM, a barcode, a two-dimensional barcode, a pattern pattern, An electronic document can be generated, and the present invention is not limited thereto.

When the electronic document creation unit 115 generates a chartered electronic document including the charter information finally agreed between the creditor and the debtor, the charter original creation unit 120 interlocks with the designated creditor terminal 185 The creditor's certificate issued to the designated creditor-side medium (for example, terminal, IC chip, secure storage area of USB memory, memory part of mobile phone, USIM, SE, secure storage area, The creditor digital signature value for the document is generated and the creditor digital signature value is attached to the chartered electronic document. The borrower's original creator 120 may associate with the designated debtor's terminal 180 and store the borrower's side media (eg, a terminal, an IC chip, a secure storage area of a USB memory, a memory part of a mobile phone, , Secure storage area, etc.), the electronic signature value of the debtor is generated and the electronic signature value of the debtor is attached to the electronic signature document of the debtor using the certificate of the debtor. According to the embodiment of the present invention, the original borrowing creator 120 associates with the creditor terminal 185 to perform a designated real name authentication (for example, a creditor real name authentication through a real name authentication institution) and / (E.g., a creditor's identity authentication using at least one of ID / PW authentication, two-channel authentication, and OTP authentication), and may perform a procedure for authenticating the creditor based on the result of the real name authentication and / A procedure of attaching the creditor electronic signature value to the electronic document of the charterer may be performed. The borrower's original creator 120 may associate with the debtor's terminal 180 and perform a designated real name authentication for the debtor (for example, a real name authentication of a debtor through a real name authentication institution) and / Authentication of the borrower, authentication of the borrower using at least one of authentication, two-channel authentication, and OTP authentication, etc.). The borrower can perform a procedure for authenticating the borrower A procedure of attaching the digital signature value can be performed.

According to the embodiment of the present invention, the procedure of attaching the creditor digital signature value and the debtor digital signature value to the IGM electronic document is performed by the borrower authenticity generation unit 120 of the creditor terminal 185 or the debtor terminal 180, Or in synchronization with the same time zone or in conjunction with one of the creditor terminal 185 and the debtor terminal 180 to generate and attach the digital signature value of one side first and then attach the digital signature value to the other side terminal It is possible to generate the digital signature value of the other side and process it as an asynchronous form to be attached. In order to process the digital signature value, whether the electronic signature value of the creditor is first generated or attached, Whether they are created or attached, belong to the scope of the present invention.

If the creditor digital signature value and the debtor digital signature value are attached to the above-mentioned electronic document signature document, the original document borrowing section 120 generates an electronic signature document of the debtor with the electronic signature value of the creditor and the electronic signature value attached thereto, We process it as original document of borrowing of borrowing transaction.

According to the embodiment of the present invention, the charter original generation unit 120 verifies the validity of the creditor digital signature value attached to the above-mentioned chartered electronic document and verifies the validity of the debtor digital signature value attached to the above-mentioned chartered electronic document, If the validity of the creditor's electronic signature value attached to the above-mentioned electronic document for lending has been verified and the validity of the electronic signature value of the debtor has been verified, the electronic signature of the lender with the attached digital signature value and the creditor's electronic signature value attached thereto It can be processed as an original document of IOU.

According to the embodiment of the present invention, the charter original document generation unit 120 can package the above-mentioned chartered electronic document, the creditor digital signature value and the debtor digital signature value into one file (or data) (Or data), and the meta information (for example, a combination of the chartered electronic document, the creditor electronic signature value, and the debtor digital signature value) (I.e., information for explaining / managing the document) can be generated or linked to be processed as the original document of the chartered electronic document.

According to the embodiment of the present invention, the original borrowing certificate generating unit 120 generates the original borrowing certificate with the creditor electronic signature value and the debtor electronic signature value attached thereto using the server side certificate provided in the operation server 100 The server side digital signature value may be generated, and the generated server side digital signature value may be attached and processed as the original document of the chartered electronic document. For example, the user ID generator 120 generates a server-side electronic signature value for a combination of the electronic ID document of the user ID, the creditor electronic signature value, and the debtor electronic signature value, and attaches the server-side electronic signature value to the combination . Alternatively, the user ID generator 120 may generate a server-side digital signature value for the digital signature value of a debtor and a creditor digital signature value and a debtor digital signature value packaged in one file (or data) have. Or the charter original generating unit 120 may generate a server side electronic signature value for the combination of the chartered electronic document, the creditor digital signature value, the debtor digital signature value, and the meta information and attach the same to the combination (or the chartered electronic document) have.

When the original document of the chartered electronic document for the borrower-borrower transaction is generated through the charter original generation unit 120, the electronic document storage unit 125 stores the generated original chartered electronic document original in the designated electronic document repository 175 ).

When the electronic document repository 175 stores an original copy of the electronic document for borrower-borrower borrowing transactions, the electronic document management unit 130 stores the electronic document repository 175 in the electronic document repository 175, , And stores it in a designated management DB (not shown). Preferably, the electronic document managing unit 130 may generate log information on a process of generating the original document of the chartered electronic document and store the generated log information in a designated management DB. Alternatively, the electronic document management unit 130 may generate management meta information for managing the original document of the chartered electronic document stored in the designated electronic document repository 175 through the electronic document storage unit 125 and store the generated management meta information in the designated management DB . Alternatively, the electronic document managing unit 130 may generate index information for identifying the original document of the chartered electronic document stored in the electronic document repository 175 through the personal document storage unit as the original of the chartered electronic document of the borrower-borrower-borrowing transaction, In this case, when requesting the original of the electronic signature of the borrower between the creditor and the debtor by the creditor terminal 185 or the debtor terminal 180 or a separate designated terminal, From the document repository 175, the original document of the unauthorized electronic document.

The electronic document storage unit 125 generates an original document of the original use document of the borrower-borrowing transaction between the creditor and the debtor through the electronic document generating unit 115 and / An electronic notarization procedure for the original document of the unauthorized electronic document can be started while the original document is stored and / or the electronic document managing unit 130 manages the original document of the unauthorized electronic document stored in the electronic document repository 175 .

Referring to FIG. 1, the operation server 100 includes a notarized object confirmation unit 135 for confirming a notarized electronic document to be electronically notarized, a debtor terminal 180 and / or a creditor terminal A notifying unit 145 for confirming a notary to perform the electronic notarization procedure in cooperation with the terminal on which the ticket is issued, Of the electronic document to be electronically notified from the electronic document repository 175 stored in the electronic document repository 175 via the notarized terminal 190 by providing the electronic document notarization electronic document to the notary public terminal 190, And an electronic document providing unit 150 for providing the electronic document.

The notarization object confirmation unit 135 may be configured to electronically notarize the electronic document stored in the electronic document repository 175 via the electronic document creation unit 115 and / Identify the notarial document to be verified.

According to the first notarized object verification example of the present invention, when the original document of the chartered electronic document is generated / stored, the debtor of the chartered electronic document negotiates with the debtor and the creditor through the debtor terminal 180 The notarized object confirmation unit 135 can request the electronic notarization for the electronic document for the charter to be generated / stored, and the notarial object confirmation unit 135 can confirm the electronic document for notary public requesting the electronic notarization through the debtor terminal 180 as a notarized target electronic document .

According to the second notarized object confirmation embodiment of the present invention, when an original of the electronic document to be borrowed is generated / stored, the creditor of the borrowed electronic document agrees with the creditor and the debtor through the creditor terminal 185 The notarized object confirmation unit 135 can request the electronic notarization for the electronic document to be generated / stored, and the notarial object confirmation unit 135 can confirm the electronic document for notary public inquiry requested by the creditor terminal 185 as the notarized object electronic document .

According to the third notarized object confirmation embodiment of the present invention, the notarial object confirmation unit 135 may be configured to transmit the original document of the chartered electronic document generated through the electronic document generation unit 115 and / or the electronic document storage unit 125 (For example, an electronic notarization amount reference value, a repayment period reference value, a repayment method reference value, etc.) for selecting an electronic document to be notarized electronically, , An interest rate reference value, a interest payment method reference value, a delay loss default value, and the like), and based on the reference value, the billable electronic document to be generated / stored is read and the notarized electronic document to be notarized electronically have.

According to the fourth notarized object verification example of the present invention, the notarial object verification unit 135 may generate the notarized object through the electronic document generation unit 115 and / or via the electronic document storage unit 125, The electronic document for borrowing stored in the electronic document 175 can be automatically confirmed by the electronic document for notarizing the notary object.

According to the fifth verification example of the present invention, the notary verification object verification unit 135 checks at least two or more of the first to fourth notified verification object verification examples to check the notarized verification purpose electronic document The present invention is not limited thereto.

When the notarized object electronic document is confirmed through the notarial object confirmation unit 135, the ticket issuance unit 140 confirms the debtor terminal 180 corresponding to the debtor of the notarized object electronic document, And issues a ticket for performing the electronic notarization procedure to the debtor terminal 180 with respect to the electronic document of the notarized object. The ticket issuing unit 140 confirms the creditor terminal 185 corresponding to the creditor of the notarized electronic document for notary public and performs the electronic notarization procedure for the electronic document of the notarized object to the verified creditor terminal 185 And issues a ticket for doing so. The ticket is used to install and execute a specific program (e.g., a program for image authentication, a program for electronic notarization) to uniquely identify / authenticate a terminal to be used in the electronic notarization procedure according to the present invention, Is a unique identifier issued to identify the user of the terminal to be used. Preferably, the ticket is issued in the form of a non-overlapping code value, and may be securely stored and managed in a designated storage area of the terminal at least until (or after) the electronic notarization procedure is completed.

According to the first ticket issuing embodiment of the present invention, the ticket issuing unit 140 executes the specific program when it is first executed (or before execution of the first image authentication or before execution of the first electronic notarization) after a specific program is installed in a specific terminal And the issued ticket is stored intrinsically in a designated storage area of the terminal. Hereinafter, when the image authentication or the electronic notarization procedure is performed through the terminal, the ticket may be exchanged between the terminal and the server so that it can be used for validity verification of each step of image authentication or electronic notarization.

According to the second ticket issuance embodiment of the present invention, when the specific program is installed and executed in a specific terminal to perform image authentication or electronic notarization procedure (for example, photographing of a real name authentication table) The issued ticket may be stored in the designated storage area of the terminal for at least a predetermined time. Hereinafter, the ticket may be exchanged between the terminal and the server during the image authentication or the electronic notarization procedure through the terminal, so that the ticket can be used for validity verification for each step of image authentication or electronic notarization, And may be discarded after image authentication or electronic notarization.

According to an embodiment of the present invention, the ticket can be used to temporally and / or spatially associate an electronic signature with an electronic signature. For example, the creation or storage of an electronic document for charter can be made at any time during the 24 hours a day, while the electronic notarization may be limited to the business hours of a notary. Therefore, it may not be possible to perform electronic notarization immediately after the creation or storage of the chartered electronic document. Accordingly, by issuing a ticket for electronic notarization to a debtor and a creditor who will make an electronic notarization after the creation or storage of an electronic document to be used for forgery, the present invention can manage a time inconsistency occurring between the creation or storage of the electronic document and the electronic notarization, . Or the debtor and the creditor, the debtor and the creditor, who are the parties to the contract, must face the notary public face-to-face (for example, face-to-face) Can be difficult. Accordingly, by issuing a ticket for the electronic notarization to the debtor and the creditor, the debtor, the creditor, and the notary are not simultaneously facing each other (for example, even if they face each other at a time difference) Can be managed.

According to the embodiment of the present invention, when a ticket is issued to the debtor terminal 180, the ticket issued to the debtor terminal 180 may include a specific program (for example, a program for image authentication, a program for electronic notarization, etc.) So as to uniquely identify / authenticate the debtor terminal 180 to be used in the electronic notarization procedure according to the present invention, and to uniquely identify the debtor. Or when a ticket is issued to the creditor terminal 185, the ticket issued to the creditor terminal 185 is installed and executed by a specific program (for example, a program for image authentication, a program for electronic notarization) The creditor terminal 185 to be used in the electronic notarization procedure can be uniquely identified / authenticated and the creditor can be uniquely identified.

The notarial affirmation unit 145 may notify the creditor terminal 180 (for example, the debtor terminal 180 having issued the ticket) and / or the creditor terminal 185 (e.g., the creditor terminal 185 having issued the ticket) ), It is possible to confirm a notary to perform the electronic notarization procedure of the notarized object electronic document, or to confirm the notary to perform the electronic notarization procedure of the electronic notarized document according to a designated procedure.

According to an embodiment of the present invention, the notarial confirmation unit 145 provides one or more notarized information to the debtor terminal 180 (for example, the debtor terminal 180 having issued the ticket) The notarized person can be identified through the debtor terminal 180.

The notarial confirmation unit 145 may provide one or more notary information to the creditor terminal 185 (for example, the creditor terminal 185 having issued the ticket, etc.) The creditor terminal 185 can confirm the designated notary public.

According to the third notary identifying embodiment of the present invention, the notarized person identifying unit 145 identifies one or more notarized person information, searches for a notary public having a small number of notarized persons (or a remaining work amount) among the notarized person information, It is possible to sequentially check the notary public who will process the electronic notary service of the above-mentioned electronic document for debts.

According to the fourth notarization confirmation embodiment of the present invention, the notarial person confirmation unit 145 confirms the notarial person by at least partially combining at least two of the first to third notarial person verification examples, The present invention is not limited thereto.

When the notarial person to be notified of the electronic document is confirmed through the notarial confirmation unit 145, the electronic document providing unit 150 provides the notarized electronic document to the identified notarized terminal 190, A notarized person is allowed to review the electronic document to be notified of the electronic notary to be electronically notified and / or to inquire the electronic document to be notified of the electronic notary document stored in the electronic document repository 175 via the notarized terminal 190 So that the notary person can inquire and review the electronic document to be electronically notified.

Referring to FIG. 1, the operation server 100 processes the remote face-to-face authentication of a debtor by processing an image authentication between a notary person and an unauthorized person in an unauthorized electronic document, and / An image authentication processing unit (155) for processing the remote face-to-face authentication for the creditor, and an image authentication processing unit (155) for processing the remote face-to-face authentication based on the image face authentication based on the image authentication, A notarized document processing unit (160) for performing an electronic signature process on the chartered notarized document and generating at least an original of chartered notarized document to which an electronic signature value of a notary public is attached; And a notarized document storage unit (170) for storing the notarized document in the electronic document repository (175) And an identity authenticator 165 for authenticating the identity of the electronic document to be associated with the original included in the original document.

The image authentication processing unit 155 can process the notarized image and the debtor image authentication or the notarized image and the creditor image authentication asynchronously (or sequentially), or synchronize the image authentication between the notary and the debtor and the creditor to process the multi- have.

The image authentication processing unit 155 confirms the creditor terminal 185 (or the connection of the creditor terminal 185) to process the notarized image and the image authentication. For example, the creditor terminal 185, which has issued the ticket through the ticket issuing unit 140, may request the authentication by providing the ticket while accessing the operation server 100. In this case, The creditor terminal 185 can confirm that the creditor terminal 185 is a notary public and the creditor terminal 185 to process the image authentication by authenticating the ticket received from the creditor terminal 185. According to another embodiment (for example, when a ticket is not issued, etc.), the creditor terminal 185 can access the operation server 100 and request the notary person and the image authentication after authenticating the creditor. In this case, The ticket issuing unit 155 issues a ticket for authenticating the image authentication request of the creditor terminal 185 and / or authenticating the authority for image authentication with the creditor terminal 185 via the ticket issuing unit 140 Procedure can be performed.

When the notarized person and the creditor terminal 185 (or the connection of the creditor terminal 185) to be subjected to image authentication are confirmed, the image authentication processing unit 155 causes the creditor terminal 185 to transmit the real name verification table of the creditor Resident registration card, driver's license, various kinds of identification cards designated for real name verification, etc.). The creditor terminal 185 captures the real name authentication table of the creditor himself / herself through the camera and transmits the captured real name authentication table image to the operation server 100. The image authentication processing unit 155 encrypts the real name authentication table of the creditor terminal 185, The real name authentication table image of the creditor. Preferably, the creditor terminal 185 transmits a ticket together with the image of the real name authentication table, the image authentication processing unit 155 receives the image of the real name authentication table and the ticket from the creditor terminal 185, And confirms that the image of the real name authentication table is the image of the real name authentication table of the creditor. Preferably, the image authentication processing unit 155 stores (temporarily) the image of the received real name authentication table on a designated storage medium in association with the ticket of the creditor (or the chartered electronic document).

When the image of the real name authentication table of the creditor is received from the creditor terminal 185, the image authentication processing unit 155 connects the video call with the creditor using the ticket received from the creditor terminal 185, Confirms the notary public terminal 190 used by the notary public to be processed and requests a video call with the creditor terminal 185 to the notary public terminal 190. The notarized terminal 190 receives a video call request with the creditor terminal 185 from the operation server 100 and accepts the video call with the creditor terminal 185 in accordance with the operation of the notary public.

When the video call with the creditor terminal 185 is accepted at the notarized terminal 190, the image authentication processing unit 155 provides the image of the real name authentication table of the creditor to the notarized terminal 190, And connects the video call between the terminal 185 and the notary public terminal 190. The notarized terminal 190 displays the image of the real name authentication table of the creditor in a predetermined area on the screen while connecting the video call with the creditor terminal 185. According to an embodiment of the present invention, the notarized terminal 190 can check the credit document of the creditor provided through the electronic document provider 150 and display it in another predetermined area on the screen. Alternatively, the image authentication processing unit 155 may provide the image of the real name authentication table of the creditor to the notary party terminal 190, and may provide the image of the creditor's electronic document of the creditor. In this case, It is possible to display the image of the real name authentication table of the creditor and the chartered electronic document in a predetermined area on the screen while connecting the video call with the user 185. Meanwhile, the image authentication processing unit 155 can provide the creditor's electronic document of the creditor to the creditor terminal 185. In this case, the creditor terminal 185 displays the chartered electronic document in a predetermined area on the video call screen can do. At this time, the electronic document for debts displayed on the creditor terminal 185 should be the same as the electronic document for debts displayed on the notary public terminal 190.

When the video call is connected between the creditor terminal 185 and the notary public terminal 190, the notarized terminal 190 (or the image authentication processing unit 155) transmits a video call between the creditor terminal 185 and the notary public terminal 190 (E.g., video data and audio data of a video call), and the contents of the video call can be processed as one of the image authentication information between the creditor terminal 185 and the notary public terminal 190. [

The notary verifies the image of the real name authentication table of the creditor displayed on the notary public terminal 190 with the face image of the creditor connected to the video call to confirm that the creditor is the person of the face photograph shown in the real name authentication table image. However, the face image of the blindness authentication table image and the face image of the creditor of the video call screen can be difficult to identify just by visual identification. For example, the face image of the real name authentication table image may be different from the current face image because it is too old, or the face image of the real name authentication table may be damaged or there may be various distortions including cosmetic surgery. Accordingly, in order to overcome such a distortion, the notary public queries the creditor of various personal information or the matters described in the chartered electronic document through a video call to induce the creditor's answer, so that the notary person and the video caller are creditors I can confirm that I am myself.

When the notarized terminal 190 requests remote credential authentication for the creditor terminal 185 in the video call, the image authentication processing unit 155 determines whether the video call between the notary terminal 190 and the creditor terminal 185 is connected And transmits the disposable authentication code to the creditor terminal 185 via the creditor terminal 185. The creditor terminal 185 generates a disposable authentication code for requesting the creditor terminal 185 to input the disposable authentication code displayed in the predetermined area on the video call screen do. The image authentication processing unit 155 receives the disposable authentication code from the creditor terminal 185 via the video call screen and transmits the disposable authentication code to the creditor terminal 185 ) And the received disposable authentication code and verifies whether they match or not. If the validity of the disposable authentication code is authenticated, the image authentication processing unit 155 provides the result of remote face authentication to the creditor terminal 185 to the notarized terminal 190. According to the embodiment of the present invention, the remote face authentication result may be processed as one of the image authentication information between the creditor terminal 185 and the notarized terminal 190.

When the face-to-face authentication of the creditor terminal 185 is successful, the notarized terminal 190 identifies the notarized electronic document exposed in the image authentication process between the notary and the creditor based on the image authentication and the remote face authentication An authentication document can be generated. Meanwhile, the notarized document processing unit 160 may generate an authentication document of the notary public based on the image authentication and the remote facing authentication according to an embodiment of the present invention, and may provide the notarized authentication electronic document to the notarized terminal 190, Can confirm the authentication document and adopt it as an authentication document of a notary public who notarized the unauthorized electronic document.

The notarized terminal 190 (or the notarized document processing unit 160) generates a notarized certificate document including the electronic signature of the creditor. According to an embodiment of the present invention, the notarized terminal 190 (or the notarized document processing unit 160) includes the above-mentioned unauthorized electronic document, and further includes the authentication document of the notary public and / Or the image authentication information generated in the remote face authentication process can be generated.

The notarized terminal 190 (or the notarized document processing unit 160) performs a procedure of attaching the electronic signature of the notary public and the electronic signature of the creditor to the generated chartered notarized document.

The notarized document processing unit 160 may associate with the notary public terminal 190 and associate the notarized terminal 190 with a designated notarial side medium such as a terminal, an IC chip, a secure storage area of a USB memory, a memory unit of a mobile phone, a USIM, Area, etc.) of the notarial certificate to generate the notarial digital signature value for the notarial certificate document, and attach the notarial digital signature value to the notarial document. In addition, the notarized document processing unit 160 may associate with the creditor terminal 185 connecting the notarized terminal 190 with the creditor terminal 185 to transmit the notarized document to the creditor side medium (e.g., terminal, IC chip, secure storage area of the USB memory, The creditor digital signature value is generated for the chartered notary document using the certificate of the creditor issued to the credit memorandum, the USIM, the Secure Element (SE), the secure storage area, etc., . According to an embodiment of the present invention, the notarized document processing unit 160 may use at least one of ID authentication, two-channel authentication, and OTP authentication for the notary public in cooperation with the notary public terminal 190 And a procedure for attaching the notarized digital signature value to the notarial certificate document based on the result of the authentication of the notarial person can be performed. In addition, the notarized document processing unit 160 may perform a specified real name authentication (for example, a creditor real name authentication through a real name authentication institution) and / or an identity authentication (e.g., ID / PW authentication , 2-channel authentication, OTP authentication, etc.), and may perform a procedure for authenticating the creditor electronic signature based on the result of the real name authentication and / or the identity verification of the creditor. A procedure of attaching a signature value can be performed.

According to the embodiment of the present invention, the procedure of attaching the notarial digital signature value or the creditor digital signature value to the chartered notarial document is performed by the notarized document processing unit 160 through the notarized terminal 190 or the creditor terminal 185 Or synchronizes with the same terminal at the same time or generates and attaches a digital signature value of one side in cooperation with one terminal of the notarized terminal 190 and the creditor terminal 185, It is possible to generate the digital signature value of the other side and to process it as an asynchronous form to be attached. In order to process the digital signature value, the electronic signature value of the creditor is generated first The present invention is not limited thereto.

The notarized document processing unit 160 receives a notarized electronic signature value for the creditor's notarial authentication document based on the image authentication with the creditor terminal 185 from the notarized terminal 190, Receives the creditor's electronic signature value for the creditor's notary public notary document from the creditor terminal 185 or receives the creditor's notary public notary document to which the creditor's digital signature value is attached. The notarized document processing unit 160 stores (temporarily) the notarized digital signature value, the creditor digital signature value, and the creditor side notary public notary document received from the notarized terminal 190 and the creditor terminal 185 on a designated storage medium.

The identity authenticator 165 authenticates the identity of the user by comparing the electronic document of the charterer included in the creditor's notary public notary document with the electronic document of the chartered electronic document stored in the electronic document repository 175, When the identity of the document is authenticated, the notarized document processing unit 160 transmits the notarized electronic signature value, the creditor electronic signature value, and the creditor side notarial notary document, which are received from the notary public terminal 190 and the creditor terminal 185, (Temporary).

After the electronic signature of the notary public and the electronic signature of the creditor are attached to the document for the charter's notary public, the image authentication processing unit 155 may perform the image authentication between the debtor and the notary public or the remote authentication process for the notary public .

The image authentication processing unit 155 confirms the notary public and the debtor terminal 180 (or the connection of the debtor terminal 180) to process the image authentication. For example, the debtor terminal 180, which has issued the ticket through the ticket issuing unit 140, may request the authentication by providing the ticket while accessing the operation server 100. In this case, The user can authenticate the ticket received from the debtor terminal 180 and confirm that the debtor terminal 180 is the notary person and the debtor terminal 180 to process the image authentication. According to another embodiment (for example, when a ticket is not issued, etc.), the debtor terminal 180 may access the operation server 100 and request the notarized person and the image authentication after authenticating the debtor. In this case, The ticket issuing unit 155 issues a ticket for confirming the image authentication request of the debtor terminal 180 and / or authenticating the authority for image authentication with the notary person terminal 180 via the ticket issuing unit 140 Procedure can be performed.

When the notarized person and the debtor terminal 180 (or the connection of the debtor terminal 180) to process the image authentication is confirmed, the image authentication processing unit 155 notifies the debtor terminal 180 of the real name verification table Resident registration card, driver's license, various kinds of identification cards designated for real name verification, etc.). The debtor terminal 180 captures the real name authentication table of the debtor's own person through the camera and transmits the photographed real name authentication table image to the operation server 100. The image authentication processing unit 155 receives the real name authentication table image from the debtor terminal 180, And receives an image of the real name authentication table of the debtor from the above. Preferably, the debtor terminal 180 transmits a ticket together with the image of the real name authentication table. The image authentication processing unit 155 receives the image of the real name authentication table and the ticket from the debtor terminal 180, And confirms that the image of the real name authentication table is the image of the real name authentication table of the debtor. Preferably, the image authentication processing unit 155 stores (temporarily) an image of the received real name authentication table in a designated storage medium in association with the ticket of the debtor (or the chartered electronic document).

When the image of the real name authentication table of the debtor is received from the debtor terminal 180, the image authentication processing unit 155 connects the video call with the debtor using the ticket received from the debtor terminal 180, Identifies the notary public terminal 190 used by the notary to be processed and requests the notary party terminal 190 for a video call with the debtor terminal 180. [ The notarized terminal 190 receives a video call request with the debtor terminal 180 from the operation server 100 and accepts a video call with the debtor terminal 180 according to an operation of a notary public.

When the video call with the debtor terminal 180 is accepted by the notarized terminal 190, the image authentication processing unit 155 provides the image of the real name authentication table of the debtor to the notarized terminal 190, (180) and the notarized terminal (190). The notarized terminal 190 displays an image of the real name authentication table of the debtor in a predetermined area on the screen while connecting a video call with the debtor terminal 180. According to an embodiment of the present invention, the notarized terminal 190 can check the borrower's electronic document of a borrower provided through the electronic document provider 150 and display it in another predetermined area on the screen. Alternatively, the image authentication processing unit 155 may provide the image of the real name authentication table of the debtor to the notary public terminal 190, and may provide the deboucher electronic document of the debtor. In this case, The image of the real name authentication table and the chartered electronic document of the debtor can be displayed in a predetermined area on the screen while connecting the video call with the user 180. Meanwhile, the image authentication processing unit 155 may provide the debtor's electronic document to the debtor terminal 180. In this case, the debtor terminal 180 displays the digital signature on the video call screen can do. At this time, the chartered electronic document displayed on the debtor terminal 180 and the chartered electronic document displayed on the notary public terminal 190 and the chartered electronic document displayed on the creditor terminal 185 must be the same.

When a video call is connected between the debtor terminal 180 and the notarized terminal 190, the notarized terminal 190 (or the image authentication processing unit 155) performs a video call between the debtor terminal 180 and the notary terminal 190 (E.g., video data and audio data of a video call), and the video call content may be processed into one of the image authentication information between the debtor terminal 180 and the notarized terminal 190.

The notary public compares the image of the real name authentication table of the debtor displayed on the notary public terminal 190 with the face image of the debtor who is connected to the video call, and confirms that the debtor is the person of the face image shown in the real name authentication table image. However, the face image of the blindness authentication table image and the face image of the debtor of the video call screen can be difficult to identify just by visual identification. For example, the face image of the real name authentication table image may be different from the current face image because it is too old, or the face image of the real name authentication table may be damaged or there may be various distortions including cosmetic surgery. Therefore, in order to overcome such a distortion, the notary public voice-queries the debtor with various personal information or the information described in the electronic inquiry document through a video call to induce the debtor's answer, so that the notary person and the video- I can confirm that I am myself.

When the notarized terminal 190 requests remote face authentication for the debtor terminal 180 in the video call, the image authentication processing unit 155 determines whether the video call between the notary terminal 190 and the debtor terminal 180 is connected And transmits the disposable authentication code to the debtor terminal 180. The disposable authentication code is displayed in a predetermined area on the video call screen of the debtor terminal 180, do. The image authentication processing unit 155 receives the disposable authentication code from the debtor terminal 180 and transmits the disposable authentication code to the debtor terminal 180 ) And the received disposable authentication code and verifies whether they match or not. If the validity of the disposable authentication code is authenticated, the image authentication processing unit 155 provides the result of the remote face authentication to the debtor terminal 180 to the notarized terminal 190. According to the embodiment of the present invention, the remote face authentication result may be processed as one of the image authentication information between the debtor terminal 180 and the notarized terminal 190.

When the remote face authentication of the debtor terminal 180 is successful, the notarized terminal 190 identifies the notarized electronic document exposed in the image authentication process between the notary and the debtor based on the image authentication and the remote face authentication, An authentication document can be generated. Meanwhile, the notarized document processing unit 160 may generate an authentication document of the notary public based on the image authentication and the remote facing authentication according to an embodiment of the present invention, and may provide the notarized authentication electronic document to the notarized terminal 190, Can confirm the authentication document and adopt it as an authentication document of a notary public who notarized the unauthorized electronic document.

The notarized terminal 190 (or the notarized document processing unit 160) generates a notarized certificate document including the electronic document of the debtor. According to an embodiment of the present invention, the notarized terminal 190 (or the notarized document processing unit 160) includes the above-mentioned unauthorized electronic document and further includes the notarized authentication document, and / Or the image authentication information generated in the remote face authentication process can be generated.

The notarized terminal 190 (or the notarized document processing unit 160) performs a procedure of attaching the electronic signature of the notary public and the electronic signature of the debtor to the generated chartered notarized document.

The notarized document processing unit 160 may associate with the notary public terminal 190 and associate the notarized terminal 190 with a designated notarial side medium such as a terminal, an IC chip, a secure storage area of a USB memory, a memory unit of a mobile phone, a USIM, Area, etc.) of the notarial certificate to generate the notarial digital signature value for the notarial certificate document, and attach the notarial digital signature value to the notarial document. In addition, the notarized document processing unit 160 may associate with the debtor terminal 180 connecting the notarized terminal 190 with the debtor terminal 180 to provide the notarized document to the designated debtors side media (e.g., terminal, IC chip, The electronic signature value of the debtor is generated by using the certificate of the debtor issued to the user, the memory unit, the USIM, the secure element (SE), the secure storage area, and the like, . According to an embodiment of the present invention, the notarized document processing unit 160 may use at least one of ID authentication, two-channel authentication, and OTP authentication for the notary public in cooperation with the notary public terminal 190 And a procedure for attaching the notarized digital signature value to the notarial certificate document based on the result of the authentication of the notarial person can be performed. In addition, the notarized document processing unit 160 may perform a designated real name authentication (for example, a real name authentication of a debtor through a real name authentication institution) and / or an identity authentication (e.g., ID / PW authentication , 2-channel authentication, OTP authentication, etc.), and can perform a procedure for authenticating the borrower to the borrower's electronic document based on the result of the real name authentication and / A procedure of attaching a signature value can be performed.

According to the embodiment of the present invention, the procedure of attaching the notarial digital signature value or the debtor digital signature value to the notarial certificate document is performed by the notarized document processing unit 160 in a state in which the notarized terminal 190 to the debtor terminal 180 Or synchronizes with the same terminal at the same time or generates and attaches a digital signature value of one side in cooperation with one terminal of the notarized terminal 190 and the debtor terminal 180, It is possible to generate the electronic signature value of the other side and to process it as an asynchronous form to be attached. In order to process the electronic signature value, the electronic signature value of the debtor is generated first The present invention is not limited thereto.

The notarized document processing unit 160 receives a notarized electronic signature value from the notary public terminal 190 based on the image authentication with the debtor terminal 180 or a notarized electronic signature value with respect to the debtor's notarial authentication document And receives the debtor's electronic signature value from the debtor terminal 180 or receives the debtor's notary public notary document with the debtor's digital signature value attached thereto.

The identity authenticator 165 may authenticate the identity of the user by comparing the electronic document of the charter included in the debtor's notary public notary document with the electronic document of the chartered electronic document stored in the electronic document repository 175. [ Also, the identity authenticator 165 may authenticate the identity of the user by comparing the electronic document for debouch included in the creditor's notary public notary document and the electronic bill of lading contained in the debtor electronic document.

The notarized terminal 190 and the creditor terminal 185 receive a notarized electronic signature value and a creditor's electronic signature value and a creditor's notarial notarized document from the creditor terminal 190 and the creditor terminal 185 based on image authentication or remote face authentication between the notarized terminal 190 and the creditor terminal 185 From the notarized terminal 190 and the debtor terminal 180 based on the image authentication or the remote face authentication between the notarized terminal 190 and the debtor terminal 180. The notarized terminal digital signature value and the debtor digital signature value, Side authenticity document is received, and / or if the identity of the electronic document of the forgery certificate included in the creditor-side notarised-authentica- tion document and the identity of the electronic signature of the deboucher included in the debtor-side notarised-authentica- tion document are authenticated, the notarized document processing unit 160 ) Combines various digital signature values received from the notary public terminal 190, the creditor terminal 185 and the debtor terminal 180 with the notarial notary document, It generates a digital signature persons and creditors of the debtor and the electronic signature of a notarized IOU original documents accompanying electronic signature.

The notarized document storage unit 170 stores the original document of the chartered notary document generated through the notarized document processing unit 160 in the designated electronic document repository 175 in association with the original document of the chartered electronic document. Meanwhile, according to the embodiment, the notarized document storage unit 170 can store the original document of the chartered document and the original document of the chartered document in the same electronic document repository 175 or store them in the designated electronic document repository 175 The present invention is not limited thereto.

FIG. 2 is a diagram illustrating a process of generating an electronic signature for a borrower-borrower transaction according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a process of exchanging an electronically created charter with a debtor terminal 180 through a creditor terminal 185 for a borrower-borrower-borrowing transaction to generate a final agreed-upon chartered electronic document. Those skilled in the art will be able to refer to and / or modify the FIG. 2 to understand the various ways of generating the electronic document for the purpose of the present invention (e.g., some steps may be omitted, However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 2, the debtor performs a borrowing transaction procedure 200 with at least one of the first to fourth embodiments of the present invention, and the creditor also uses the first to fourth borrowers The borrower transaction procedure is performed (205) with the debtor according to at least one embodiment of the transaction embodiment.

At a point in time before, during, or after the borrowing transaction between the creditor and the debtor, the creditor uses the creditor terminal 185 used by the creditor to creditor information for electronically making a borrowing transaction for the borrower transaction with the debtor, Borrowing information is input (210), and the input information is transmitted to the operation server (100) to request borrowing information creation (215).

The operation server 100 confirms the request to generate the orphanage information from the creditor terminal 185 and transmits the request to the creditor terminal 185 based on the creditor information, the debtor information, and the borrowing information received from the creditor terminal 185, (225). The operation server 100 provides the user with the information on the user's irrigation on the basis of the information on the user information included in the information on the irrationality of the user and requests the user to 'agree' or 'modify' the irrigation information 230 ).

The debtor terminal 180 receives and outputs the charter information created by the creditor from the operation server 100 and confirms whether the debtor has agreed or corrected (or requested to modify) the charter information 240 ). If the debtor 'agrees' to the IOU, the debtor terminal 180 provides the debtor's consent information to the operating server 100 (280) 100 may perform the procedures of real name authentication and / or identity verification for the debtor in conjunction with the debtor terminal 180. The operation server 100 judges that the final settlement of the information on the orphan's identity is made between the creditor and the debtor based on the consent information received from the debtor terminal 180, And creates an electronic document for the borrowing transaction between the creditor and the debtor (290).

Meanwhile, if the debtor 'corrects (or requests modification)', the debtor terminal 180 sends the debtor's modification request information or the debtor's modification request information to the operation server 100, (245). In this process, the operation server 100 can perform the real name authentication and / or the identity verification for the debtor in conjunction with the debtor terminal 180.

The operation server 100 confirms (250) the information about the orphan's identity requested to be modified (or requested to be modified) by the debtor, provides the information about the orphan's identity to the creditor terminal 185 based on the information on the creditor included in the information The creditor requests the 'approval' or the 'modification' of the information on the orphan information to be revised (or requested to be revised) (255).

The creditor terminal 185 receives and outputs (260) the charter information that the debtor has modified (or requested modification) from the operating server 100 and outputs the credit information to the creditor terminal 185. The creditor terminal 185 'approves' (265). The creditor terminal 185 provides the creditor's approval information to the operating server 100 in step 285. In this case, the creditor terminal 185 transmits the creditor's approval information to the operating server 100 100 may perform the procedures of real name authentication and / or personal authentication for the creditor in cooperation with the creditor terminal 185. The operation server 100 determines that the final settlement of the information on the orphan's identity is made between the creditor and the debtor based on the approval information received from the creditor terminal 185, And creates an electronic document for the borrowing transaction between the creditor and the debtor (290).

On the other hand, if the creditor 'corrects (or requests modification)' the credit information, the creditor terminal 185 transmits the credit information of the creditor modified by the creditor or the creditor's request information of the credit information to the operation server 100, (270). In this process, the operating server 100 can perform the real name authentication and / or the identity authentication for the creditor in cooperation with the creditor terminal 185.

The operation server 100 confirms (or requests modification of) the user's credit information (step 275) and provides the credit information to the debtor terminal 180 based on the user information included in the credit information (230) the consent of the debtor to 'agree' or 'correct' the above-mentioned information on the use of the orphanage. The above process is repeated until the debtor 'agrees' to the information on the orphanage information and / or the creditor 'approves' the information on the user's orphanage and the information on the user is finally agreed between the creditor and the debtor. If there is no consensus between the creditor and the debtor on the above-mentioned information about the orphan, the information on the above-mentioned information may not be electronically documented.

FIG. 3 is a diagram illustrating a process of generating an electronic bill of lading for borrower-borrower transactions according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates a process of generating a final agreed-upon electronic document by exchanging an electronically created charter with a creditor terminal 185 through a debtor terminal 180 for a borrower-borrower transaction. Those skilled in the art will be able to refer and / or modify FIG. 3 to illustrate various embodiments of the process for generating the electronic version of the document (e.g., some steps may be omitted, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 3, a creditor performs a borrower's transaction procedure 300 with at least one of the first through fourth embodiments of the present invention, and the debtor also selects the first through fourth borrowers The borrower transaction procedure is performed with the creditor according to at least one embodiment of the transaction embodiment (305).

At a point in time before, during, and after the borrowing transaction between the creditor and the debtor, the debtor uses creditor terminal 180, which is used by him / herself, to obtain creditor information for electronically making a charter for the borrower transaction with the creditor, Borrowing information is input (310), and the input information is transmitted to the operation server (100) to request the generation of the charter information (315).

The operation server 100 confirms the request to generate the orphanage information from the debtor terminal 180 and displays the information on the debtor and the creditor based on the creditor information, the debtor information, and the borrowing information received from the debtor terminal 180 (325). The creditor terminal 185 provides the information on the use of the information on the basis of the information on the creditor included in the information on the information on the user on behalf of the user and requests the creditor to approve or modify the information on the information on the user.

The creditor terminal 185 receives and outputs the above-mentioned exploitation information from the operation server 100 (335) and confirms whether the creditor confirms or 'corrects (or requests to modify) the above-mentioned exploitation information. If the creditor 'approves' the IOU information, the creditor terminal 185 provides the creditor's approval information on the IOU to the operating server 100 (385) 100 may perform the procedures of real name authentication and / or personal authentication for the creditor in cooperation with the creditor terminal 185. The operation server 100 determines that the final settlement of the information on the orphan's identity is made between the creditor and the debtor based on the approval information received from the creditor terminal 185, (390), the electronic document for the borrowing for the borrower-borrowing transaction between the creditor and the debtor is generated.

On the other hand, if the creditor 'corrects (or requests modification)' the credit information, the creditor terminal 185 transmits the credit information of the creditor modified by the creditor or the creditor's request information of the credit information to the operation server 100, (345). In this process, the operating server 100 can perform the real name authentication and / or the identity authentication for the creditor in cooperation with the creditor terminal 185.

The operation server 100 confirms the amendment information requested by the creditor 350 and transmits the amendment request to the debtor terminal 180 based on the borrower information included in the information about the user, ), And requests the debtor to 'agree' or 'revise' the information on the above-mentioned use (355).

The debtor terminal 180 receives and verifies 360 the omissions information that the creditor has modified (or requested modification) from the operation server 100 (360), and the debtor can 'accept' or 'modify (or request modification) (365). If the debtor 'agrees' to the information on the user's intention, the debtor terminal 180 provides the debtor's consent information to the operation server 100 (step 380) 100 may perform the procedures of real name authentication and / or identity verification for the debtor in conjunction with the debtor terminal 180. The operation server 100 judges that the final settlement of the information on the orphan's identity is made between the creditor and the debtor based on the consent information received from the debtor terminal 180, (390), the electronic document for the borrowing for the borrower-borrowing transaction between the creditor and the debtor is generated.

Meanwhile, if the debtor 'corrects (or requests modification)', the debtor terminal 180 sends the debtor's modification request information or the debtor's modification request information to the operation server 100, (370). In this process, the operation server 100 can perform the real name authentication and / or the identity verification for the debtor in conjunction with the debtor terminal 180.

The operation server 100 confirms (or requests modification of) the information about the user who has been corrected (or requested to be modified) by the debtor 375, and provides the information on the user of the information to the creditor terminal 185 based on the creditor information included in the information The creditor requests the 'approval' or the 'modification' of the above-mentioned IUE information (330). The above process is repeated until the creditor 'approves' the information on the user's orphan's identity and / or the 'user agrees' to the information on the user's debts and the information on the user's debts is finally agreed between the creditor and the debtor. If there is no consensus between the creditor and the debtor on the above-mentioned information about the orphan, the information on the above-mentioned information may not be electronically documented.

FIG. 4 is a diagram illustrating a process of generating an original document of an IUE for a borrower-borrower transaction according to an embodiment of the present invention.

FIG. 4 is a flow chart illustrating the process of the borrower and the debtor who have performed the borrowing transaction through the process shown in FIG. 2 or FIG. 3. The electronic signature of the borrower and the electronic signature of the debtor are attached to the electronic document for borrowing, The original electronic document is generated and stored in the designated electronic document repository 175, and it will be understood by those skilled in the art that the present invention can be implemented by referring to and / It is possible to deduce various implementation methods (for example, omitting some steps or changing the order) for the original document creation process of the charter ID document. However, the present invention includes all of the above- The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, the operation server 100 confirms an electronic document of a charter i created based on a final settlement between a creditor and a debtor who have performed the borrowing transaction through the process shown in FIG. 2 or FIG.

According to the embodiment of the present invention, when generating the original document of the chartered electronic document by attaching the electronic signature of the creditor and the electronic signature of the debtor to the electronic document of the charter, the designated creditor authentication procedure and / or the creditor authentication procedure can be performed. In this case, the operating server 100 may perform the real name authentication and / or the identity authentication process for the debtor in order to generate the original document of the deboucher in cooperation with the debtor terminal 180 (405a) 180 may perform the real name authentication and / or the identity authentication procedure for creating the original document of the electronic signature of the user in cooperation with the operation server 100 (410a). Alternatively, the operation server 100 may perform the real name authentication and / or the identity authentication process for the creditor in order to generate the original document of the charterer in cooperation with the creditor terminal 185 (405b), and the creditor terminal 185 (410b) can perform a creditor's real name authentication and / or an identity authentication process in order to generate an original document of the electronic signature of the user in cooperation with the operation server (100). The present invention is not limited by the order of authenticating the debtor and the order of authenticating the creditor.

In the case of generating an original document of the chartered electronic document corresponding to the chartered electronic document generated through the final settlement between the creditor and the debtor, the operating server 100 transmits the charterer's debt to the debtor terminal 180, The electronic signature of the electronic document is requested (415a), and the debtor terminal (180) performs a procedure of processing the electronic signature of the debtor with respect to the electronic document of the debtor using the certificate of the debtor provided in the designated medium (420a) When the digital signature of the debtor is processed, the digital signature value of the debtor is provided to the operation server 100 (425a). Also, the operation server 100 requests the creditor terminal 185 to electronically sign the electronic document for the charter i created by final settlement of the creditor and the debtor (step 415a). The creditor terminal 185 receives the electronic signature of the creditor terminal 185 (420b) a digital signature of the creditor for the electronic document of the charterer by using the certificate of the charterer electronic document, and if the electronic signature of the creditor is processed, 100) (425b). The present invention is not limited by the order of the electronic signature procedure of the debtor and the electronic signature procedure of the creditor.

The operation server 100 attaches the creditor digital signature value and the debtor digital signature value to the chartered electronic document generated by the creditor and the debtor in a final agreement through the process shown in FIG. 2 or 3, (430).

If the original document is generated, the operation server 100 stores the generated original document for omission in the designated electronic document repository 175 (step 435) The original of the electronic document is managed as the original document of the charter of the borrower-borrower transaction (440).

5 is a diagram illustrating a ticket issuing process for an electronic notarization based on an image authentication of an electronic document for an unauthorized use according to an embodiment of the present invention.

In more detail, FIG. 5 shows the issuance of a ticket granting an image authentication right for electronic notarization to the creditor terminal 185 and the debtor terminal 180 for electronic notarization of the electronic document for inquiry generated through agreement between the creditor and the debtor The ticket issuing process may be performed by various methods (for example, some steps may be omitted, or some steps may be omitted or omitted) by referring to and / or modifying FIG. 5 if the person skilled in the art is familiar with the present invention. However, the present invention is not limited to the above-described embodiments, and it is to be understood that the invention is not limited to the disclosed embodiments.

Referring to FIG. 5 according to the first embodiment of the present invention, a debtor terminal 180 corresponding to a debtor of an electronic document for debenture, which is created through an agreement between a creditor and a debtor, 500a), the operation server 100 confirms the notarized electronic document to be processed by the electronic notarization (505). When the notarized electronic document of the notarized object is confirmed, the operation server 100 issues a ticket for electronic notarization to the debtor terminal 180 of the notarized electronic document to be notified 510a, A ticket for authentication-based electronic notarization is issued and stored in a designated storage area of the debtor terminal 180 (515a). On the other hand, the operation server 100 issues a ticket for electronic notarization to the creditor terminal 185 of the notarized iOS electronic document (510b), and the creditor terminal 185 issues a ticket for the image authentication based electronic notarization And stores it in the designated storage area of the creditor terminal 185 (515b).

When a ticket is issued to the debtor terminal 180 and the creditor terminal 185, the operating server 100 associates the ticket issued to the debtor terminal 180 and the creditor terminal 185 with the notarized electronic document And stored in a storage medium designated (520).

Referring to FIG. 5 according to a second embodiment of the present invention, a creditor terminal 185 corresponding to a debtor of an electronic document for debenture, which is generated through an agreement between a creditor and a debtor, 500b), the operation server 100 confirms the notarized electronic document to be processed with electronic notarization (505). When the notarized electronic document of the notarized object is confirmed, the operation server 100 issues a ticket for electronic notarization to the creditor terminal 185 of the notarized electronic document to be notified 510b, A ticket for authentication-based electronic notarization is issued and stored in a designated storage area of the creditor terminal 185 (515b). On the other hand, the operation server 100 issues a ticket for electronic notarization to the debtor terminal 180 of the notarized document, and the debtor terminal 180 issues a ticket for the electronic notarization based on the image authentication And stores it in the designated storage area of the debtor terminal 180 (515a).

Referring to FIG. 5 according to a third embodiment of the present invention, when an electronic document for an unauthorized person is generated / stored through agreement between a creditor and a debtor, the operation server 100 can confirm the electronic document for unauthorized use (505). When the notarized electronic document of the notarized object is confirmed, the operation server 100 issues a ticket for electronic notarization to the debtor terminal 180 of the notarized electronic document to be notified 510a, A ticket for electronic notarization is also issued to the terminal 185. The debtor terminal 180 issues a ticket for the image authentication based electronic notarization and stores it in a designated storage area of the debtor terminal 180 ), The creditor terminal 185 issues a ticket for image authentication based electronic notarization and stores it in the designated storage area of the creditor terminal 185 (515b).

6 is a diagram illustrating a video call connection process between a creditor terminal 185 and a notary public terminal 190 for processing electronic notifications based on a request of a creditor terminal 185 according to an embodiment of the present invention.

6 shows a process of connecting a video call between a creditor terminal 185 and a notary public terminal 190 when a creditor terminal 185 designates a notary public and requests an electronic notarization. Those skilled in the art will be able to refer to and / or modify Figure 6 to derive various implementations of the video call connection process (e.g., omitting some of the steps or changing the order) However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 6, the operation server 100 provides the notarial information to process the electronic notarization of the electronic signature of the charter document to the creditor terminal 185 (600), and the creditor terminal 185 receives the notarized information After 605, a creditor selects a notary to process the electronic notarization (610). The creditor terminal 185 provides the notary selection information corresponding to the notary choice to the operation server 100 in operation 615 and the operation server 100 transmits the notary choice information to the creditor terminal 185, (620). &Lt; / RTI > According to an embodiment of the present invention, the operation server 100 can determine a notary to process the electronic notarization of the electronic document for debts according to a designated procedure without interlocking with the creditor terminal 185 (620) The invention is not limited.

When the notarial person to handle the electronic notarization of the electronic document of the charter is confirmed, the operation server 100 provides the notarized electronic document to the notarized terminal 190 corresponding to the confirmed notarget (625) The notarized terminal 190 requests to review the electronic document of the notarized object, and the notarized terminal 190 receives the electronic document of the notarized object and outputs it (630).

The creditor terminal 185 requests the authentication of the image authentication right for electronic notarization of the electronic document for debts using the ticket issued through the process shown in FIG. 5 (635), and the operation server 100 The image authentication authority of the creditor terminal 185 is authenticated based on the ticket issued to the creditor terminal 185 (640). If the image authentication authority of the creditor terminal 185 is authenticated, the operation server 100 requests the creditor terminal 185 to generate and provide an image of the creditor's own real name authentication table (645) The terminal 185 photographs the real name authentication table of the creditor himself / herself before connection of the video call to generate the real name authentication table image (650), and then the real name authentication table image of the generated creditor is issued through the process shown in FIG. 5 To the operating server 100 (655).

The operation server 100 receives the image of the real name authentication table and the ticket of the creditor from the creditor terminal 185, and authenticates the validity of the ticket (660). If the validity of the ticket is authenticated, the operation server 100 stores (temporarily) the image of the real name authentication table of the creditor (665) until the video call between the creditor and the notary public for image authentication is connected.

The operation server 100 performs a procedure of connecting a video call between the creditor terminal 185 and the notary public terminal 190 at step 670. The creditor terminal 185 is connected to the notarized terminal 190 through a video call (675a). If the notarized terminal 190 accepts the video call connection with the creditor terminal 185 at 675b, the notarized terminal 190 connects the creditor terminal 185 to the video call at 680b, And the creditor terminal 185 also connects a video call with the notarized terminal 190 (680a). The operation server 100 confirms a video call connection between the notary public terminal 190 and the creditor terminal 185 in step 685. The operation server 100 confirms the video call connection between the notary public terminal 190 and the creditor terminal 185, And performs an image authentication procedure.

FIG. 7 is a diagram illustrating an image authentication process between a notary and a creditor for electronic notarization according to an embodiment of the present invention.

FIG. 7 shows an image authentication process between a notary and a creditor for electronic notarization of an electronic document for an unauthorized use, and the person skilled in the art will refer to FIG. 7 and / or FIG. The present invention may be embodied in various ways of practicing the above-described image authentication process (for example, omitting some steps or changing the order) The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, when a video call between a notary public terminal 190 and a creditor terminal 185 is connected through the process shown in FIG. 6, the operation server 100 transmits the real name The notarized terminal 190 receives the image of the real name authentication table of the creditor and the document of the chartered e-mail to provide a video call screen with the creditor terminal 185, (705). Meanwhile, the operation server 100 may provide an electronic document to be used for electronic notarization to the creditor terminal 185 in operation 710, and the creditor terminal 185 may receive and output the electronic document in operation 715. [ .

Meanwhile, the operation server 100 requests the notarized terminal 190 to compare the facial image of the creditor's real name authentication table image with the creditor face of the video call to the notarized terminal 190 (720) (725) a creditor's face authentication result based on the video call with the creditor, and provides the inputted creditor's face authentication result to the operation server (730). The operation server 100 receives the facial authentication result of the creditor from the notarized terminal 190 and determines whether the facial authentication of the creditor is successful (735). If the face authentication of the creditor fails, the operation server 100 performs a process of processing an image authentication error 790, the creditor terminal 185 receives the image authentication error, , And receives and outputs the image authentication error to the notarized terminal 190 (795b).

On the other hand, if the creditor facial authentication is successful, the operation server 100 generates a disposable authentication code (740), provides the generated disposable authentication code to the video call screen of the creditor terminal 185 in the video call (745 ), The creditor terminal 185 receives the disposable authentication code and outputs the disposable authentication code on the video call screen (750). The creditor terminal 185 receives the disposable authentication code on the video call screen and transmits the disposable authentication code to the operation server 100 in operation 755. The operation server 100 receives the disposable authentication code from the creditor terminal 185 via the video call screen The received disposable authentication code is received (760), and the validity of the disposable authentication code received from the creditor terminal (185) is confirmed (765). If the validity of the disposable authentication code is not confirmed, the operation server 100 performs a process of processing an image authentication error (790), the creditor terminal 185 receives the image authentication error and outputs the image authentication error ( 795a) and receives the image authentication error to the notarized terminal 190 (795b).

Meanwhile, when the validity of the disposable authentication code is authenticated, the operation server 100 provides the authentication result of the disposable authentication code inputted to the creditor terminal 185 during the video call to the notary authentication terminal 190 (770) Receives the authentication result of the disposable authentication code inputted through the creditor terminal 185 during the video call of the creditor terminal 185 to the notary party terminal 190 and outputs the authentication result.

The notarized terminal 190 generates a chartered notarial document including the chartered electronic document based on the result of the remote face authentication based on the image authentication and / or generates the chartered notarized document to the operating server 100 (780), the operation server 100 generates the notarial certificate document and / or confirms the notarial document generated through the notarized user terminal (785). The chartered notarial document includes the chartered electronic document and further includes an authentication document of a notary public notarizing the chartered electronic document and / or image authentication information obtained in the image authentication process between the notary and creditor can do.

FIG. 8 is a diagram illustrating a process of generating a creditor side notarized document for electronic notarization according to an embodiment of the present invention.

In more detail, FIG. 8 shows a process of generating a creditor's notary's notary document to which a digital signature of a notary public and a digital signature of a creditor are attached. If the person skilled in the art is familiar with the present invention, 8 may be referenced and / or modified to derive various implementations of the notarized document generation process (e.g., omissions of some steps or alternate implementations), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 8, the operation server 100 confirms (800) the certificate of notary public notary document to be electronically signed, generated through the process shown in FIG. 7, and transmits it to the creditor terminal 185 and the notary public terminal 190, A digital signature of the notarized document is requested (805). The creditor terminal 185 performs a procedure of processing the electronic signature of the creditor on the notarial certificate document using the creditor's certificate provided in the designated medium (810a). If the electronic signature of the creditor is processed, And provides the creditor electronic signature value of the notarized document to the operation server 100 (815a). Also, the notarized terminal 190 performs a procedure for processing the digital signature of the notary public in the notarial certificate using the notarized certificate provided in the designated medium (810b). When the digital signature of the notarial person is processed, And provides a notarized digital signature value to the operating server 100 for the charter notarized document (815b). The present invention is not limited by the order of the digital signature procedure of the creditor and the notarial person's digital signature procedure.

The operation server 100 checks 824 the electronic signature value of the creditor and the notarial digital signature value of the chartered document, and authenticates the identity of the chartered electronic document included in the chartered document 825. If the identity of the chartered electronic document included in the chartered notarial document is authenticated, the operating server 100 stores (temporarily) the charterer's notarial document, the creditor's electronic signature value, and the notarial digital signature value (830) .

FIG. 9 is a diagram illustrating a video call connection process between a debtor terminal 180 and a notary public terminal 190 for processing electronic notarization according to an embodiment of the present invention.

More specifically, FIG. 9 illustrates a process of connecting a video call between a debtor terminal 180 and a notary public terminal 190 for processing electronic notarization. If a person skilled in the art is familiar with the present invention, , It is possible to refer to and / or modify the FIG. 9 to derive various implementations of the video call connection process (e.g., omitting some steps or changing the order) All the methods of implementation are included, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 9, the debtor terminal 180 requests (900) authentication of an image authentication right for electronic notarization of the electronic version of the document using the ticket issued through the process shown in FIG. 5, The server 100 authenticates the image authentication authority of the debtor terminal 180 based on the ticket issued to the debtor terminal 180 (905). If the image authentication right of the debtor terminal 180 is authenticated, the operation server 100 requests the debtor terminal 180 to generate and provide an image of the real name authentication table of the debtor's own terminal 910, The terminal 180 photographs the real name authentication table of the debtor's own person before connection of the video call to generate an image of the real name authentication table 910. The terminal 180 then issues an image of the real name authentication table of the created debtor through the process shown in FIG. To the operation server 100 (920).

The operation server 100 receives the image of the real name authentication table and the ticket of the debtor from the debtor terminal 180 and authenticates the validity of the ticket (925). If the validity of the ticket is authenticated, the operation server 100 stores (temporarily) an image of the real name authentication table of the debtor until the video call between the debtor and the notary public for image authentication is connected (930).

The operation server 100 performs a procedure of connecting a video call between the debtor terminal 180 and the notary public terminal 190 in step 935. The debtor terminal 180 is connected to the notary public terminal 190 through a video call (940a). If the notarized terminal 190 accepts the video call connection with the debtor terminal 180 in step 940b, the notarized terminal 190 connects the video call with the debtor terminal 180 in step 945b, And the debtor terminal 180 also connects a video call with the notarized terminal 190 (945a). The operation server 100 confirms a video call connection between the notary public terminal 190 and the debtor terminal 180 in step 950. The operation server 100 confirms the video call connection between the notary public terminal 190 and the debtor terminal 180, And performs an image authentication procedure.

FIG. 10 is a diagram illustrating an image authentication process between a notary and a debtor for electronic notarization according to an embodiment of the present invention.

10 shows an image authentication process between a notary and a debtor for electronic notarization of an electronic document for an unauthorized use, and the person skilled in the art will refer to FIG. 10 and / or FIG. The present invention may be embodied in various ways of practicing the above-described image authentication process (for example, omitting some steps or changing the order) The technical features thereof are not limited by the implementation method shown in FIG.

Referring to FIG. 10, when a video call is connected between the notarized terminal 190 and the debtor terminal 180 through the process shown in FIG. 9, the operation server 100 transmits the real name of the debtor to the notary terminal 190 The notarized terminal 190 receives the image of the real name authentication table of the debtor and the document of the unauthorized person in use and provides the image call screen with the debtor terminal 180 (1005). Meanwhile, the operation server 100 can provide an electronic document for an unauthorized electronic notarization to the debtor terminal 180 (1010), and the debtor terminal 180 can receive and output the unauthorized electronic document (1015) .

Meanwhile, the operation server 100 requests a result of comparing the face image of the image of the real name authentication table of the debtor with the face image of the debtor of the video call to the notary public terminal 190 in operation 1020, (1025) a result of the face-to-face authentication based on the video call with the debtor (1025), and provides the inputted result of the face image of the debtor to the operation server (1030). The operation server 100 receives and verifies the face authentication result of the debtor from the notarized terminal 190 and confirms whether the face authentication of the debtor is successful (1035). If the face authentication of the debtor fails, the operation server 100 performs a process of processing an image authentication error 1090, the debtor terminal 180 receives the image authentication error and outputs the image authentication error 1095a, , And receives and outputs the image authentication error to the notarized terminal 190 (1095b).

On the other hand, if the debtor's face authentication is successful, the operation server 100 generates a one-time authentication code (1040), provides the generated one-time authentication code to the video call screen of the debtor terminal 180 in the video call (1045 ), The debtor terminal 180 receives the disposable authentication code and outputs the disposable authentication code on the video call screen (1050). The debtor terminal 180 receives the disposable authentication code from the video call screen and transmits the disposable authentication code to the operation server 100 in operation 1055. The operation server 100 receives the disposable authentication code from the debtor terminal 180 via the video call screen The received disposable authentication code is received (1060), and the validity of the disposable authentication code received from the debtor terminal (180) is confirmed (1065). If the validity of the disposable authentication code is not confirmed, the operation server 100 performs a process of processing an image authentication error (1090), the debtor terminal 180 receives the image authentication error and outputs the image authentication error ( 1095a), and receives the image authentication error to the notarized terminal 190 (1095b).

Meanwhile, when the validity of the disposable authentication code is authenticated, the operation server 100 provides the authentication result of the disposable authentication code inputted to the debtor terminal 180 during the video call to the notarized terminal 190 (1070) Receives the authentication result of the disposable authentication code inputted through the debtor terminal 180 during the video call of the debtor terminal 180 to the notarized terminal 190 and outputs the result of authentication.

The notarized terminal 190 generates a chartered notarial document including the chartered electronic document based on the result of the remote face authentication based on the image authentication and / or generates the chartered notarized document to the operating server 100 (Step 1080). The operation server 100 generates the notarial certificate document and / or checks the notarial document created through the notarized user terminal (step 1085). The chartered notarial document further includes the chartered electronic document and the authentication certificate electronic document of the notary public notarizing the chartered electronic document and / or the image authentication information obtained in the image authentication process between the notary and the debtor according to the method of operation can do.

FIG. 11 is a diagram illustrating a process of generating and storing an original document of a chartered notarized document according to an embodiment of the present invention.

In more detail, FIG. 11 shows a case where a debtor's notary public notarization document to which a digital signature of a notary public and an electronic signature of a debtor are attached is generated and combined with a creditor's notary public notary document generated through the process shown in FIG. And the original document is stored in the electronic document repository 175. If the person skilled in the art is familiar with the present invention, It will be appreciated that various implementations of the storage process (e.g., omitting some of the steps or changing the order) may be inferred, but the present invention includes all of the above- The technical features thereof are not limited only by the method of implementation.

Referring to FIG. 11, the operation server 100 checks (1100) the certificate of notary public notary document to be digitally signed, generated through the process shown in FIG. 10, and transmits it to the debtor terminal 180 and the notary public terminal 190, A digital signature of the notarized document is requested (1105). The debtor terminal 180 performs a procedure of processing the electronic signature of the debtor with respect to the notarial document using the certificate of the debtor provided in the designated medium (1110a). When the electronic signature of the debtor is processed, And provides the debtor digital signature value for the notarized document to the operation server 100 (1115a). Also, the notarized terminal 190 performs a procedure of processing the digital signature of the notary public in the notarial document using the certificate of the notary public in the designated medium (1110b). When the digital signature of the notary public is processed, And provides a notarial digital signature value to the operating server 100 for the charter notarized document 1115b. The present invention is not limited by the order of the debtor's digital signature procedure and the notary's digital signature procedure.

The operation server 100 confirms the electronic signature value of the debtor and the notarial digital signature value of the unauthorized document for denial of service (1120), and authenticates (1125) the identity of the document of the unauthorized persons included in the unauthorized document.

If the identity of the electronic document to be browsed included in the chartered document is authenticated, the operating server 100 transmits the chartered electronic signature value, the creditor electronic signature value, and the notarized electronic signature value, which are generated through the process shown in FIG. 8 The notarized electronic signature value generated based on the image authentication between the debtor terminal 180 and the notary public terminal 190, the debtor's digital signature value and the notarial digital signature value are combined to attach the notarized digital signature value to the execution method (1135) an original document of chartered notarized paper with a creditor digital signature value and / or a debtor digital signature value attached thereto. If the original document of the charter's notary document is generated, the operation server 100 stores and manages the generated original document of chartered document in the designated electronic document repository (step 1140).

100: Operation server 105: I &
110: Myunity information exchange unit 115:
120: original borrowing generation unit 125: electronic document storage unit
130: electronic document management unit 135: notarized object confirmation unit
140: Ticket issuing unit 145: Notary identification unit
150: electronic document preparation unit 155: image authentication processing unit
160: notarized document processing unit 165: identity authentication unit
170: notarized document storage unit 175: electronic document storage
180: Debtor terminal 185: Creditor terminal
190: Notary public terminal

Claims

A method executed via a server for managing electronic tolls between a debtor and a creditor,
A first step of generating an electronic document of a chartered bond finally agreed between the creditor and the debtor based on the information on the charter information exchanged between the creditor terminal and the debtor terminal;
A second step of generating an original document of a chartered electronic document to which the creditor digital signature value and the debtor digital signature value are attached by performing a digital signature procedure of the creditor and the digital signature procedure of the debtor with respect to the finally agreed upon digital signature document;
A third step of storing the generated original document of the chartered electronic document in a designated electronic document repository;
A fourth step of providing an electronic document of charter to be electronically notified to the notarized terminal designated by the creditor terminal when applying for electronic notarization to the electronic document of the charterer through the creditor terminal;
Performing a digital signature procedure of the notary public's notary document on the basis of at least one image authentication including image authentication between the notary and the creditor from the notarized terminal, A fifth step of generating an original document of the chartered notary document attached thereto; And
And storing the original document in the electronic document repository in association with the original document of the irregular use electronic document.

The information processing apparatus according to claim 1,
Generated in association with the creditor terminal, or
Wherein the electronic signature is generated in cooperation with the debtor terminal.

2. The method according to claim 1,
And generating an original document of an unauthorized electronic document by packaging the electronic document of the user ID, the electronic signature value of the creditor, and the digital signature value of the user.

4. The method according to claim 1 or 3,
Further comprising generating and attaching an electronic signature value for the package of the above-mentioned electronic document signature, the electronic signature value of the electronic signature, and the electronic signature value of the electronic signature value of the said electronic document, .

2. The method according to claim 1,
And generating and associating meta information on the combination of the electronic document signature of the user and the electronic signature value of the debtor and the electronic signature of the user on the basis of the electronic signature of the user. .

6. The method according to claim 1 or 5,
Further comprising generating and attaching an electronic signature value for a combination of the electronic document signature of the user and the creditor electronic signature value and the electronic signature value of the debtor through the server side certificate. .

6. The method according to claim 5,
Further comprising: generating and attaching an electronic signature value for a combination of the electronic document signature, the electronic signature value of the debtor, the electronic signature value of the debtor, and the meta information through the server side certificate, and attaching the electronic signature value using the creditor image authentication Electronic notarization method.

[Claim 2] The method according to claim 1,
Further comprising an authentication document of a notary public notarizing the electronic document for borrowing.

9. The method according to claim 1 or 8,
Further comprising image authentication information obtained through the notarized terminal in at least one image authentication process.

The method as claimed in claim 1,
And a notarized person who has been exposed to at least one of the notarized terminal and the creditor terminal in the image authentication process between the notary and the creditor from the notarized terminal during image authentication between the notarized person and the creditor, Further comprising the step of receiving a signature value or receiving a creditor side chartered notarial document to which the notarized digital signature value is attached.

[Claim 11] The method of claim 10, wherein the creditor-
Further comprising an electronic document of the notary public who has notified the electronic document of the user in the image authentication process between the notary and the creditor.

12. The system of claim 10 or 11, wherein the creditor side notarial certificate document comprises:
Further comprising image authentication information obtained through the notarized terminal in the image authentication process between the notary and the creditor.

11. The method according to claim 10,
And a notarized person who has been exposed to at least one of the notarized terminal and the debtor terminal in the image authentication process between the notary and the debtor from the notary terminal during the image authentication between the notary and the debtor, Further comprising the step of receiving a signature value or receiving a debtor's notary public notary document to which the notarized electronic signature value is attached.

14. The billing apparatus according to claim 13,
Further comprising an electronic document of the notary public who has notified the electronic document of the unauthorized person exposed in the image authentication process between the notary and the debtor.

15. The method of claim 13 or 14, wherein the debtor's notary public notary document comprises:
And the image authentication information acquired through the notarized terminal in the image authentication process between the notary and the debtor.

14. The method of claim 13,
Further comprising the step of generating an original document of a chartered notary document by combining the creditor side chartered notarial document and the debtor's chartered notarial document received from the notarized terminal to generate an original chartered document authentication certificate.

14. The method of claim 13,
Authenticating the identity of an electronic document of an orignature included in a creditor side notarial certificate document received from the notarized terminal and an electronic signature of a user document included in the debtor's notarial document; And
The method of claim 1, further comprising the step of, when the identity authentication is performed, generating an original document of a chartered notary document by combining the creditor side chartered notarial document and the debtor's chartered notarial document together.

14. The method of claim 13,
If the notarial digital signature value generated based on the image authentication between the notary and creditor and the notarial digital signature value generated based on the image authentication between the notary and the debtor are identical to each other, Further comprising the step of generating an original document of chartered notary document attached to the chartered notarized document.