CN103093352A - Electronic contract signing system implementation method based on payment platform - Google Patents
Electronic contract signing system implementation method based on payment platform Download PDFInfo
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- CN103093352A CN103093352A CN2013100369793A CN201310036979A CN103093352A CN 103093352 A CN103093352 A CN 103093352A CN 2013100369793 A CN2013100369793 A CN 2013100369793A CN 201310036979 A CN201310036979 A CN 201310036979A CN 103093352 A CN103093352 A CN 103093352A
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Abstract
Provided is an electronic contract signing system implementation method based on a payment platform. An electronic contract signing system comprises a service platform and an electronic payment platform. A user selects services on the service platform, an electronic contract is generated, payment is completed through an electronic signature authentication certificate in the electronic payment platform, and meanwhile a contract is signed through the electronic signature authentication certificate, and signing of the electronic contract and service payment can be completed at one time. The electronic contract signing system is safe and convenient to use, the user can conveniently sign the electronic contract, the electronic signature certificate does not need to be issued by the service platform, the user can use the electronic signature authentication certificate of the payment platform to complete contact signing and payment at the same time, convenience and quickness are achieved, and effectiveness and legitimacy of electronic contract signing can be guaranteed.
Description
Technical field
The invention belongs to networking technology area, relate to the electronic contract in ecommerce, be a kind of implementation method of the electronic contract signature system based on payment platform.
Background technology
Along with the development of e-commerce technology, people are more and more by the activity that network carries out work, life each side, and also constantly variation of the function of realization Network Based and service.Particularly in recent years, people are shopping on the net not only, and also by the Online Shopping service, for example tourist service is is even borrowed or lent money by network.
The network service that these are emerging and shopping online have certain similar, but also exist larger difference.Present two aspects of their analog: at first, both parties do not need meeting, and this has enlarged potential counterparty; Secondly, because passed through network, information is relatively symmetrical, has reduced to a certain extent the middle flow link, has reduced circulation cost, has accelerated the speed of transaction.Difference between them is, no matter be buy tourist service or borrow or lend money, before real tourism or debtor-creditor relationship generation, dealing/debtor and creditor all needs to sign a formal contract, wherein that both sides' rights and duties definition is clear, the while also provides the way of solution to disputes.
When Internet service provider signs formal contract in both parties at present, usually have following two kinds of methods:
Take the travel on the net service as example, for contract of guarantee legal effectively, what relevant service platform generally adopted is to allow the user sign a contract to each solid shop/brick and mortar store, perhaps adopt the mode of fax, express delivery contract to allow the user sign, as shown in Figure 1, the user is scheduled to and uses the detailed process of service to be: the user selects suitable travelling route in advance on the tourist service network, can be scheduled to this circuit after filling in the information that the website needs; The website generates a contract according to the information that user's predetermined request and user fills in; The contract signature mode that the website is selected according to the user: fax, express delivery, solid shop/brick and mortar store etc., will print and issue the user by the contract (two parts or many parts) that sign in advance the website; The user receives this contract, and after signature on contract, has namely completed the signature of this tourist service contract.This process is safe, but not too convenient concerning the user, has weakened the convenience of online service.
Similarly, for network debt-credit service, relevant service supplier all provides electronic contract to the user, but do not require the user to sign to this contract with the electron underwriting authentication certificate, as shown in Figure 2, the detailed process of user's contract of commodatum service is: the user selects suitable loaning bill project on the debt-credit site for service; The website generates a electronics loan contract according to user's selection and user profile; The user is presented to this part electronics loan contract in the website; After the user browses contract, click to agree to be that representative of consumer is approved and signs this loan contract on the website.This process is more convenient, but does not satisfy the requirement of law of electronic signature, and namely the legitimacy of this contract signature is in-problem.
In prior art, also the electron underwriting authentication certificate is issued to the user in some website, after the user has browsed the electronics loan contract, must sign a contract with the electron underwriting authentication certificate that issue the website, the legitimacy of contract signature just obtains having guaranteed like this, but in fact exists the deficiency of two aspects:
1. the website need to have the ability of issuing the electron underwriting authentication certificate, like this to the having relatively high expectations of website itself, and certificate issued channel for example, user identity audit etc.;
2. after if the user has signed contract with the electron underwriting authentication certificate of website, also need by the e-Bank payment expense, at this moment also need to allow the user complete payment with the electron underwriting authentication certificate of bank, the user need to repeatedly change the electron underwriting authentication certificate, has affected user's ease of use.
Summary of the invention
The problem to be solved in the present invention is: a kind of method of electronic contract signature of safety convenient is provided, allows the user can sign very easily electronic contract, can also guarantee validity and the legitimacy of this electronic contract signature simultaneously.
Technical scheme of the present invention is: a kind of implementation method of the electronic contract signature system based on payment platform, described electronic contract signature system comprises service platform and electronic payment platform, service platform is connected by network with electronic payment platform, service platform is built by the service provider, be used for providing services on the Internet to the user, the network payment platform of the support electron underwriting authentication certificate that electronic payment platform provides for the third party, the implementation method of described electronic contract signature system is:
1) user is in the registration of service platform and electronic payment platform, and it is related that service platform and electronic payment platform carry out the information of the registration of same user on two platforms, and electronic payment platform issues electronic signature certificate to the user;
2) user is by the browser log-in service platform, and after service platform chose the service that the service provider provides, service platform generated corresponding electronic contract according to user-selected service and user profile;
3) user browses and signs the electronic contract of generation at service platform, after service platform is received the action that user's confirmation signs a contract, to electronic payment platform, service platform is sent to electronic payment platform with user profile with corresponding payment information, electronic contract information simultaneously with user's browser directed;
4) electronic payment platform shows payment information by browser to the user, and by payment information, electronic contract information that service platform obtains, confirms for the user;
5) pay after the demonstration validation of information of user to electronic payment platform, when the user pays, at first electronic payment platform verifies whether this user's electronic signature certificate is effective, if effectively, electronic payment platform adopts this electronic signature certificate to carry out digital signature to payment information and electronic contract information, completes payment transaction;
6) electronic payment platform sends successful information to user and service provider corresponding to electronic contract, and the signature of notice Zhi Fuyu electronic contract is complete.
In step 1), the information that the user registers is user's real information, and electronic payment platform issues electronic signature certificate to the user and comprises digital certificate and USB Key certificate.
Described electronic contract information comprises the hash of contract number, the litigant of parties of contract, contract purpose, treaty content or treaty content.
In step 4), when electronic payment platform showed information by browser to the user, shown information can not be edited change.
In step 5), the signature of payment transaction and electronic contract is kept at electronic payment platform or returns to the service supplier.
The electronic contract of described generation is for can not edit the text formatting of change.
In the present invention, network service platform itself does not need to issue the electron underwriting authentication certificate, and the user can complete contract signature and payment simultaneously with the electron underwriting authentication certificate of payment platform.
Compared with prior art, the present invention has the following advantages:
1) the present invention by service platform direct related with the docking of electronic payment platform and user identity, contract information is presented on the payment page, allow the user not only this payment be signed by electronic signature certificate when payment, can also sign to contract information, thereby realize the on-line signing of electronic contract; And this contract signature is to adopt user's electron underwriting authentication certificate to carry out, and has therefore guaranteed security, legitimacy and validity;
2) as the provider of network service, the electron underwriting authentication certificate that can utilize electronic payment platform to sign and issue to the user, for example document certificate, USB Key realize the on-line signing of electronic contract, thereby saved the cost that Internet service provider oneself comes grant a certificate, improved the convenience of certificate issuance;
3) as the user, just can complete the on-line signing of electronic contract when disbursing funds with the electronic signature certificate of an electronic payment platform, simplified the step of sign a contract (under line or on line) and defrayment.
Description of drawings
Fig. 1 is the contract signature process flow diagram on existing tourist service website;
Fig. 2 is the contract signature process flow diagram on existing debt-credit site for service;
Fig. 3 is user and the system module interaction figure in the embodiment of the present invention.
Fig. 4 is the workflow diagram of the electronic contract signature system in the embodiment of the present invention;
Fig. 5 is that the service platform user in the embodiment of the present invention checks and related interaction figure the user with electronic payment platform;
Fig. 6 is that the user in the embodiment of the present invention browses and the schematic diagram of agreeing contract;
Fig. 7 is the payment page schematic diagram in the embodiment of the present invention;
Fig. 8 is the interaction figure of the electronic contract signature in the embodiment of the present invention.
Embodiment
In order to make those skilled in the art person better understand technical scheme in the present invention; below in conjunction with the accompanying drawing in the embodiment of the present application; the present invention is carried out clear, complete description; obviously; described embodiment is only the application's preferred embodiment; those skilled in the art is not making the every other embodiment that obtains under the creative work prerequisite, all should belong to the scope of the application's protection.
Electronic contract signature system of the present invention comprises service platform and electronic payment platform, and service platform is connected by network with electronic payment platform, is described as follows:
The service provider: the businessman of service is provided for the user, can be to provide service to the user under network or line;
Service platform: the service provider is in order to provide service to the user on network, the website platform of building or relying on;
Electronic payment platform: as the user after the service of having used the service provider to provide on service platform, the system that uses during by the direct payment services expense of network, common are the internet banking system that bank provides, perhaps the payment system that provides of third party's payment company; Electronic payment platform issues electronic signature certificate to the user, comprise digital certificate or USB Key certificate, or other possesses the electron underwriting authentication certificate of identical effect;
The user: the user in the present invention is the client who had registered on service platform and electronic payment platform;
User ID: can be used for certain user's of unique identification information on service platform or payment platform, such as user's name, bank's card number etc.;
Service platform user profile: when the user registers on service platform, the identity information of filling in, such as service platform user ID, name, identity document information etc.;
Payment platform user profile: when the user registers on payment platform, the identity information of filling in, such as payment platform user ID, name, identity document information etc.
The main functional modules of electronic contract signature system of the present invention and user interactions comprises as shown in Figure 3::
Service platform-Registering modules: provide the user to register and upload the function of user real identification information;
Service platform-service providing module: be used for allowing the user select on service platform and buying service;
Service platform-identity relating module: be used for carrying out the user related at the identity information on service platform with the identity information of this user on payment platform;
Service platform-contract generation module: generate electronic contract information, and pass to payment platform;
Service platform-contract signature module: for the payment request of initiating to payment platform to sign a contract, and accept from payment platform the result that contract is signed;
Payment platform-identity relating module: be used for carrying out the user related at the identity information on payment platform with the identity information of this user on service platform;
Payment platform-contract signature module: be used for receiving the payment request that service platform sends over, and the function that allows the user pay and to sign a contract by electronic signature certificate is provided.
With reference to Fig. 4, the FB(flow block) for the embodiment of the present application comprises the steps:
1. the user registers and opens the service of E-Payment by mails on electronic payment platform, for example opens bank card and e-Bank payment service;
2. the user registers and submits to true identity information on service platform, and at first service platform is examined user's true identity, and carries out related with the identity of this user on electronic payment platform; User identity is examined and carried out related reciprocal process as shown in Figure 5 with the user of electronic payment platform, after the user is submitted to service platform with the information (name, I.D. etc.) of true identity, service platform can be examined this information, simultaneously also just the identity information of this user on service platform send to the user identity of electronic payment platform and check association, afterwards the identity audit is informed the user with related result; Only have by identity and examine and could do further operation with user that electronic payment platform is successfully associated on service platform;
3. the user can browse and select service on service platform by browser;
As the user after choosing service on service platform, service platform can generate a electronic contract according to the service of user's selection and user's identity information, the information such as title, rights and obligations that this contract participates in contract each side clearly show, and browse for the user, as shown in Figure 6;
5. browsed as shown in Figure 6 treaty content as the user, and " I read and agree this contract " be front choose the content shown in the contract of agreeing after, user's browser will be directed to electronic payment platform; At this moment, service platform also can send to electronic payment platform to the content of electronic contract simultaneously, and electronic contract information comprises the hash of contract number, the litigant of parties of contract, contract purpose, treaty content or treaty content;
6. after electronic payment platform receives payment information and electronic contract information, electronic payment platform will be these content revealings out, as shown in Figure 7, the user can browse this payment information and contract information on electronic payment platform, on this page, payment user platform ID, payment, contract information all can not be changed, and the user can pay under electron underwriting authentication certificate auxiliary afterwards; The user is when payment, at first electronic payment platform can verify whether the electronic signature certificate of this time payment belongs to the user who submits the payment request to, it is the electronic signature certificate of authentication of users, if consistent, electronic payment platform adopts this electron underwriting authentication certificate that payment information and contract information are signed, complete simultaneously payment transaction, and will be kept at electronic payment platform or return to the service supplier the signature of this payment transaction and contract, for consulting later on;
As the user after completing payment on electronic payment platform, this user has also completed the contract signature, electronic contract saves as the text formatting that can not edit change, as PDF.
Interaction figure shown in Figure 8 has provided contract signature reciprocal process:
1. at first, after the electronic contract that the service platform registered user browses and the granted service platform generates, service platform is submitted a payment request to electronic payment platform, has comprised contract information in this payment request;
2. simultaneously, service platform can arrive electronic payment platform to user's browser directed, and electronic payment platform represents payment information and contract information on user's browser;
3. the user can pay by the electron underwriting authentication certificate on electronic payment platform this moment, simultaneously, contract is signed electronically;
4. after paying successfully, electronic payment platform returns to service platform to the successful message of payment, and contract was signed and also completed simultaneously this moment, then informs that by service platform user's contract signs successfully.
Claims (6)
1. implementation method based on the electronic contract signature system of payment platform, it is characterized in that described electronic contract signature system comprises service platform and electronic payment platform, service platform is connected by network with electronic payment platform, service platform is built by the service provider, be used for providing services on the Internet to the user, the network payment platform of the support electron underwriting authentication certificate that electronic payment platform provides for the third party, the implementation method of described electronic contract signature system is:
1) user is in the registration of service platform and electronic payment platform, and it is related that service platform and electronic payment platform carry out the information of the registration of same user on two platforms, and electronic payment platform issues electronic signature certificate to the user;
2) user is by the browser log-in service platform, and after service platform chose the service that the service provider provides, service platform generated corresponding electronic contract according to user-selected service and user profile;
3) user browses and signs the electronic contract of generation at service platform, after service platform is received the action that user's confirmation signs a contract, to electronic payment platform, service platform is sent to electronic payment platform with user profile with corresponding payment information, electronic contract information simultaneously with user's browser directed;
4) electronic payment platform shows payment information by browser to the user, and by payment information, electronic contract information that service platform obtains, confirms for the user;
5) pay after the demonstration validation of information of user to electronic payment platform, when the user pays, at first electronic payment platform verifies whether this user's electronic signature certificate is effective, if effectively, electronic payment platform adopts this electronic signature certificate to carry out digital signature to payment information and electronic contract information, completes payment transaction;
6) electronic payment platform sends successful information to user and service provider corresponding to electronic contract, and the signature of notice Zhi Fuyu electronic contract is complete.
2. the implementation method of a kind of electronic contract signature system based on payment platform according to claim 1, it is characterized in that in step 1), the information that the user registers is user's real information, and electronic payment platform issues electronic signature certificate to the user and comprises digital certificate and USB Key certificate.
3. the implementation method of a kind of electronic contract signature system based on payment platform according to claim 1, is characterized in that described electronic contract information comprises the hash of contract number, the litigant of parties of contract, contract purpose, treaty content or treaty content.
4. the implementation method of a kind of electronic contract signature system based on payment platform according to claim 1, is characterized in that in step 4), and when electronic payment platform showed information by browser to the user, shown information can not be edited change.
5. the implementation method of a kind of electronic contract signature system based on payment platform according to claim 1, is characterized in that in step 5), and the signature of payment transaction and electronic contract is kept at electronic payment platform or returns to the service supplier.
6. the implementation method of a kind of electronic contract signature system based on payment platform according to claim 1, the electronic contract that it is characterized in that described generation for can not edit change text formatting.
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| CN104182863A (en) * | 2013-05-27 | 2014-12-03 | 同程网络科技股份有限公司 | Automatic generation method of tour contract |
| CN104375830A (en) * | 2014-11-07 | 2015-02-25 | 广东优迈信息通信股份有限公司 | Electronic payment platform collocation method and device based on funds |
| CN104618399A (en) * | 2015-03-05 | 2015-05-13 | 中国联合网络通信集团有限公司 | Method and system for protecting data security in short message paying transaction |
| CN105225175A (en) * | 2015-10-21 | 2016-01-06 | 刘锐光 | C2C, B2C, B2B social platform internet traveling method and system |
| CN105741092A (en) * | 2016-01-19 | 2016-07-06 | 四川长虹电器股份有限公司 | Unified payment method and unified payment system supporting multiple cloud services |
| CN106408299A (en) * | 2016-08-31 | 2017-02-15 | 江苏买卖网电子商务有限公司 | Block chain technology-based electronic intelligent signing payment method |
| CN107609842A (en) * | 2017-09-22 | 2018-01-19 | 苏州大成有方数据科技有限公司 | A kind of decoration company's customer communication management system |
| CN107612816A (en) * | 2017-09-22 | 2018-01-19 | 苏州大成有方数据科技有限公司 | A kind of intellectual property industry customer exchanges management system |
| CN107818504A (en) * | 2017-09-27 | 2018-03-20 | 上海维信荟智金融科技有限公司 | The automation signature method and system of contract |
| CN108537534A (en) * | 2018-03-26 | 2018-09-14 | 武汉楚鼎信息技术有限公司 | A kind of universal payment method and system device of adaptation multiple terminals |
| CN108763898A (en) * | 2018-05-22 | 2018-11-06 | 李招兵 | A kind of information processing method and system |
| CN109635572A (en) * | 2018-11-05 | 2019-04-16 | 深圳变设龙信息科技有限公司 | A kind of contract signing method, apparatus and terminal device based on block chain |
| CN109801060A (en) * | 2018-12-14 | 2019-05-24 | 平安普惠企业管理有限公司 | Refund shunt method, electronic device, computer equipment and storage medium |
| CN113807846A (en) * | 2021-08-25 | 2021-12-17 | 北辰教育科技(苏州)有限公司 | Data processing method and device for electronic contract |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104182863A (en) * | 2013-05-27 | 2014-12-03 | 同程网络科技股份有限公司 | Automatic generation method of tour contract |
| CN104375830A (en) * | 2014-11-07 | 2015-02-25 | 广东优迈信息通信股份有限公司 | Electronic payment platform collocation method and device based on funds |
| CN104375830B (en) * | 2014-11-07 | 2017-10-20 | 广东网金控股股份有限公司 | A kind of collocation method and device of the electronic payment platform based on fund |
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| CN105741092A (en) * | 2016-01-19 | 2016-07-06 | 四川长虹电器股份有限公司 | Unified payment method and unified payment system supporting multiple cloud services |
| CN106408299A (en) * | 2016-08-31 | 2017-02-15 | 江苏买卖网电子商务有限公司 | Block chain technology-based electronic intelligent signing payment method |
| CN107612816A (en) * | 2017-09-22 | 2018-01-19 | 苏州大成有方数据科技有限公司 | A kind of intellectual property industry customer exchanges management system |
| CN107609842A (en) * | 2017-09-22 | 2018-01-19 | 苏州大成有方数据科技有限公司 | A kind of decoration company's customer communication management system |
| CN107818504A (en) * | 2017-09-27 | 2018-03-20 | 上海维信荟智金融科技有限公司 | The automation signature method and system of contract |
| CN108537534A (en) * | 2018-03-26 | 2018-09-14 | 武汉楚鼎信息技术有限公司 | A kind of universal payment method and system device of adaptation multiple terminals |
| CN108763898A (en) * | 2018-05-22 | 2018-11-06 | 李招兵 | A kind of information processing method and system |
| CN109635572A (en) * | 2018-11-05 | 2019-04-16 | 深圳变设龙信息科技有限公司 | A kind of contract signing method, apparatus and terminal device based on block chain |
| CN109635572B (en) * | 2018-11-05 | 2021-05-25 | 深圳变设龙信息科技有限公司 | Contract signing method and device based on block chain and terminal equipment |
| CN109801060A (en) * | 2018-12-14 | 2019-05-24 | 平安普惠企业管理有限公司 | Refund shunt method, electronic device, computer equipment and storage medium |
| CN113807846A (en) * | 2021-08-25 | 2021-12-17 | 北辰教育科技(苏州)有限公司 | Data processing method and device for electronic contract |
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Application publication date: 20130508 |