CN103488923A - Electronic signature method, device and system - Google Patents
Electronic signature method, device and system Download PDFInfo
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- CN103488923A CN103488923A CN201310392483.XA CN201310392483A CN103488923A CN 103488923 A CN103488923 A CN 103488923A CN 201310392483 A CN201310392483 A CN 201310392483A CN 103488923 A CN103488923 A CN 103488923A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The embodiment of the invention provides an electronic signature method, device and system. The electronic signature method comprises the steps that a client reserves client signature information and stores the client signature information; the client manages the business, and electronic certificate transaction information corresponding to the business is generated; the client affirms the electronic certificate transaction information and signs and an electronic signature image is generated; the electronic signature image is matched with the client signature information reserved by the user; if the matching is successful, the final electronic certificate is generated and stored. According to the electronic signature method, the device and the system, the problem of lower work efficiency can be effectively improved, and the process for scanning a paper certificate in an electronization mode is saved by using the client electronic signature to directly generate a certificate electronic file; after the client transaction, the certificate electronic file is sent to a certificate file management system for filling in real time, and the whole process is automatically realized; the certificate file is stored by adopting the electronization mode, so the sources and cost are effectively saved and the reuse ratio is convenient and high.
Description
Technical field
The present invention relates to the computer information safety technique field, particularly a kind of electronic signature device and system.
Background technology
Voucher is the document of associated mechanisms business processing, as bill, voucher of clearing etc., is also the instrument of payment and settlement.Voucher in use, must be signed by the client on voucher.At present, associated mechanisms is when the records handling of making voucher, normally at first credential information is printed on voucher in kind and by client's manual signature, then credential gathering in kind is got up, utilize scanner device or the first-class image capture device of making a video recording carries out electronic disposal synthetic image to voucher, finally use the abbreviation of OCR(Optical Character Recognition, meaning optical character identification) technology obtains and generates the crucial business electronic data (content of filling in such as bill from image, client's signature etc.), and the business electronic data is kept in database, being convenient to later voucher has access to, inquiry.Due to client's employing in said process is in the enterprising pedestrian's work of voucher made of paper signature scheme, this mode causes follow-up electronic process need to extract key business data from the image that scans voucher made of paper, this disposal route relies on very high to picture quality, the discrimination of OCR technology is usually not high at present, such as having folding line, voucher made of paper all can affect identification, thereby cause data identification mistake to occur, and the larger system resource of process need consumption of identification, the system treatment effeciency is low.
Therefore, because the current general voucher processing mode of industry exists above-mentioned image recognition rate not high, data error rate is high, and treatment effeciency hangs down inferior problem, therefore, needs to improve the mode that this data are processed.
Summary of the invention
The objective of the invention is to overcome existing voucher records handling process and exist data error rate high, treatment effeciency hangs down inferior problem, and a kind of electronic signature device and system are provided, the accuracy of processing to improve data, and the treatment effeciency of raising system.
In order to achieve the above object, the embodiment of the present invention provides a kind of electric endorsement method, comprising: the client reserves client's signing messages, and described client's signing messages is stored; Client's transacting business, generate electronic certificate Transaction Information corresponding to described business; The client confirms described electronic certificate Transaction Information signature, generates electronic signature image; Described electronic signature image and the reserved client's signing messages of described client are mated; If the match is successful, generate final electronic certificate and preserved.
Further, in one embodiment, the reserved client's signing messages of described client comprises: client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.
Further, in one embodiment, described client's signature image comprises: signature image is or/and the combination of my signature image and procurator's signature image in person.
Further, in one embodiment, described client's transacting business generates electronic certificate Transaction Information corresponding to described business and comprises: transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
Further, in one embodiment, described client confirms described electronic certificate Transaction Information signature, generates electronic signature image, and comprising: the client is signed, and described signature is carried out to denoising and normalized, generates electronic signature image.
Further, in one embodiment, described described electronic signature image and the reserved client's signing messages of described client are mated, being comprised: described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated; Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
Further, in one embodiment, if described, the match is successful, and the final electronic certificate generated comprises: electronic certificate form, electronic transaction information and client's signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
In order to achieve the above object, the embodiment of the present invention also provides a kind of electronic signature device, comprising: reserved signing messages storage unit, for storing the reserved client's signing messages of client; Electronic certificate Transaction Information generation unit, electronic certificate Transaction Information corresponding to business of handling for generating described client; The electronic signature image generation unit, signed after described electronic certificate Transaction Information for confirming the client, generates electronic signature image; The information matches unit, for being mated described electronic signature image and the reserved client's signing messages of described client; Final electronic certificate generation unit, for after the match is successful, generate final electronic certificate.
Further, in one embodiment, the reserved client's signing messages of client of storing in described reserved signing messages storage unit comprises: client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.
Further, in one embodiment, described client's signature image comprises: signature image is or/and the combination of my signature image and procurator's signature image in person.
Further, in one embodiment, electronic certificate Transaction Information corresponding to described business that described electronic certificate Transaction Information generation unit generates comprises: transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
Further, in one embodiment, described electronic signature image generation unit is for confirming described electronic certificate Transaction Information signature the client, generate electronic signature image, comprise: the client is signed, and described signature is carried out to denoising and normalized, generates electronic signature image.
Further, in one embodiment, described information matches unit is mated described electronic signature image and the reserved client's signing messages of described client, comprise: described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated; Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
Further, in one embodiment, described final electronic certificate generation unit is after the match is successful, and the final electronic certificate of generation comprises: electronic certificate form, electronic transaction information and client's signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
In order to achieve the above object, the embodiment of the present invention also provides a kind of electric signing system, comprises electronic signature device, transaction processing system and electronic signature handwriting device; Wherein, described electronic signature device is connected with described transaction processing system, described electronic signature handwriting device is connected with transaction processing system with described electronic signature device, and described transaction processing system, for the transaction request according to the client, generates the transaction processing result; Described electronic signature handwriting device is inputted electronic signature information for the client; Described electronic signature device comprises: reserved signing messages storage unit, for storing the reserved client's signing messages of client; Electronic certificate Transaction Information generation unit, electronic certificate Transaction Information corresponding to business of handling for generating described client; The electronic signature image generation unit, for confirm described electronic certificate Transaction Information the client after and on described electronic signature handwriting device, inputting described electronic signature information, generate electronic signature image; The information matches unit, for being mated described electronic signature image and the reserved client's signing messages of described client; Final electronic certificate generation unit, for after the match is successful, generate final electronic certificate.
Further, in one embodiment, the reserved client's signing messages of client of storing in described reserved signing messages storage unit comprises: client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.
Further, in one embodiment, described client's signature image comprises: signature image is or/and the combination of my signature image and procurator's signature image in person.
Further, in one embodiment, electronic certificate Transaction Information corresponding to described business that described electronic certificate Transaction Information generation unit generates comprises: transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
Further, in one embodiment, described electronic signature image generation unit is for confirming described electronic certificate Transaction Information signature the client, generate electronic signature image, comprise: the client is signed, and described signature is carried out to denoising and normalized, generates electronic signature image.
Further, in one embodiment, described information matches unit is mated described electronic signature image and the reserved client's signing messages of described client, comprise: described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated; Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
Further, in one embodiment, described final electronic certificate generation unit is after the match is successful, and the final electronic certificate of generation comprises: electronic certificate form, electronic transaction information and client's signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
Electric endorsement method of the present invention, device and system, problem that can effectively improvement inefficiency, mainly from as next aspect realize:
1, use the client to sign electronically and directly generate the voucher e-file, saved the process of papery voucher scanning electron.
2, in real time the voucher e-file is delivered to the processing of filing of voucher archive management system after client trading, whole process is realized by robotization between system, save voucher and landed the link of processing, do not need to carry out OCR identification according to the voucher image of scanning again, the image information that does not need manual entry identification mistake, do not need to arrange the corresponding relation of checking post verification voucher and transaction log.
3, the voucher archives adopt electronic mode keeping, do not need to carry out plastic packaging and be transported to the strange land centralized management as credential management in kind, expend a large amount of manpower and materials.Voucher archives electronic management is saving resource and cost effectively, and the recycling rate is convenient and high.
The accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, below will the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.
The method flow diagram of a kind of electric endorsement method that Fig. 1 is the embodiment of the present invention;
The structural representation of a kind of electronic signature device that Fig. 2 is the embodiment of the present invention;
The structural representation of a kind of electric signing system that Fig. 3 is the embodiment of the present invention;
The structural representation of a kind of teller terminal device that includes electronic signature device that Fig. 4 is the embodiment of the present invention;
The panel schematic diagram that Fig. 5 is the electronic signature device 13 in embodiment illustrated in fig. 4,
The structural representation that Fig. 6 is the electronic signature device 13 in embodiment illustrated in fig. 4;
Fig. 7 is the electric endorsement method of the application embodiment of the present invention and the method flow diagram that system is carried out the application example of business processing.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Embodiment based in the present invention, those of ordinary skills, not making under the creative work prerequisite the every other embodiment obtained, belong to the scope of protection of the invention.
The method flow diagram of a kind of electric endorsement method that Fig. 1 is the embodiment of the present invention.As shown in the figure, the electric endorsement method of the present embodiment comprises: step S101, and the client reserves client's signing messages, and described client's signing messages is stored; Step S102, client's transacting business, generate electronic certificate Transaction Information corresponding to described business; Step S103, the client confirms described electronic certificate Transaction Information signature, generates electronic signature image; Step S104, mated described electronic signature image and the reserved client's signing messages of described client; Step S105, if the match is successful, generate final electronic certificate and preserved.
In the step S101 of the present embodiment, the reserved client's signing messages of described client comprises: client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.Wherein, described client's signature image comprises: signature image is or/and the combination of my signature image and procurator's signature image in person.In other embodiments, this signature combination can be also other forms, and it can use different signatures or signature combination according to the level section of the business of generation.Client's signature image in the reserved signing messages of client is also through the operation such as denoising and normalization, and the signing messages data that collect are become as being suitable for carrying out the form of feature extraction.Can fully reflect each one writing style from this pretreated signing messages extracting data, while is metastable feature again, as the static information such as the position of signing, speed while writing, the pressure of wieling the pen, write the multidate informations such as degree of tilt, these characteristic informations that extract can be preserved.
In the step S102 of the present embodiment, described client's transacting business generates electronic certificate Transaction Information corresponding to described business and comprises: transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.For example, the client handles the business of withdrawing the money, and the electronic certificate information of generation can comprise: the area of withdrawing the money, the site of withdrawing the money, teller's numbering of handling, the account of withdrawing the money, withdraw the money date and the number etc. of withdrawing the money.
In the step S103 of the present embodiment, described client confirms described electronic certificate Transaction Information signature, generates electronic signature image, and comprising: the client is signed, and described signature is carried out to denoising and normalized, generates electronic signature image.Its process is identical with reserved signing messages, needs, through operations such as denoising and normalization, signing messages to be become as being suitable for carrying out the form of feature extraction.Extract from this pretreated signing messages and can fully reflect each one writing style, metastable feature again simultaneously, as static informations such as signature positions, the speed while writing, the pressure of wieling the pen, write the multidate information such as degree of tilt.
In the step S104 of the present embodiment, described electronic signature image and the reserved client's signing messages of described client are mated, comprise: described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated; Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
In the step S105 of the present embodiment, if described, the match is successful, proves the transaction that the client carries out, and generates final electronic certificate, and it comprises: electronic certificate form, electronic transaction information and client's signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.Final electronic certificate can remain in storer, if the client needs, also can print and give the client.
By above-described embodiment, use the client to sign electronically and directly generate the voucher e-file, saved the process of papery voucher scanning electron; And, in real time the voucher e-file is delivered to the processing of filing of voucher archive management system after client trading, whole process is realized by robotization between system, save voucher and landed the link of processing, do not need to carry out OCR identification according to the voucher image of scanning again, the image information that does not need manual entry identification mistake, do not need to arrange the corresponding relation of checking post verification voucher and transaction log; And the voucher archives adopt electronic mode keeping, do not need to carry out plastic packaging and be transported to the strange land centralized management as credential management in kind, expend a large amount of manpower and materials.Voucher archives electronic management is saving resource and cost effectively, and the recycling rate is convenient and high.
Corresponding to said method, the embodiment of the present invention also provides a kind of electronic signature device, as shown in Figure 2, comprising: reserved signing messages storage unit 101, for storing the reserved client's signing messages of client; Electronic certificate Transaction Information generation unit 102, electronic certificate Transaction Information corresponding to business of handling for generating described client; Electronic signature image generation unit 103, signed after described electronic certificate Transaction Information for confirming the client, generates electronic signature image; Information matches unit 104, for being mated described electronic signature image and the reserved client's signing messages of described client; Final electronic certificate generation unit 105, for after the match is successful, generate final electronic certificate.
In the present embodiment, in described reserved signing messages storage unit 101, the reserved client's signing messages of client of storage comprises: client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.Wherein, described client's signature image comprises: signature image is or/and the combination of my signature image and procurator's signature image in person.In other embodiments, this signature combination can be also other forms, and it can use different signatures or signature combination according to the level section of the business of generation.Client's signature image in the reserved signing messages of client is also through the operation such as denoising and normalization, and the signing messages data that collect are become as being suitable for carrying out the form of feature extraction.Can fully reflect each one writing style from this pretreated signing messages extracting data, while is metastable feature again, as the static information such as the position of signing, speed while writing, the pressure of wieling the pen, write the multidate informations such as degree of tilt, these characteristic informations that extract can be preserved.
In the present embodiment, electronic certificate Transaction Information corresponding to described business that described electronic certificate Transaction Information generation unit 102 generates comprises: transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
In the present embodiment, described electronic signature image generation unit 103, for confirm described electronic certificate Transaction Information signature the client, generates electronic signature image, and comprising: the client is signed, and described signature is carried out to denoising and normalized, generate electronic signature image.Its process is identical with reserved signing messages, needs, through operations such as denoising and normalization, signing messages to be become as being suitable for carrying out the form of feature extraction.Extract from this pretreated signing messages and can fully reflect each one writing style, metastable feature again simultaneously, as static informations such as signature positions, the speed while writing, the pressure of wieling the pen, write the multidate information such as degree of tilt.
In the present embodiment, described information matches unit 104 is mated described electronic signature image and the reserved client's signing messages of described client, comprise: described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated; Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
In the present embodiment, described final electronic certificate generation unit 105 is after the match is successful, and the final electronic certificate of generation comprises: electronic certificate form, electronic transaction information and client's signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.Final electronic certificate can remain in storer, if the client needs, also can print and give the client.
Corresponding to said apparatus, the embodiment of the present invention also provides a kind of electric signing system, as shown in Figure 3, comprises electronic signature device 1, transaction processing system 2 and electronic signature handwriting device 3.
Wherein, described electronic signature device 1 is connected with described transaction processing system 2, and described electronic signature handwriting device 3 is connected with transaction processing system 2 with described electronic signature device 1.Wherein, described electronic signature device 1 can be connected by bank's dedicated network with described transaction processing system 2, and described electronic signature handwriting device 3 can be connected by wired or wireless with described electronic signature device 1.Described transaction processing system 2, for the transaction request according to the client, generates the transaction processing result; Described electronic signature handwriting device 3 is inputted electronic signature information for the client, and 1 electronic signature Information generation according to described transaction processing result and client of electronic signature device is with the final electronic transaction voucher of client's electronic signature.
Described electronic signature device 1 comprises: reserved signing messages storage unit 101, for storing the reserved client's signing messages of client; Electronic certificate Transaction Information generation unit 102, electronic certificate Transaction Information corresponding to business of handling for generating described client; Electronic signature image generation unit 103, for confirm described electronic certificate Transaction Information the client after and on described electronic signature handwriting device, inputting described electronic signature information, generate electronic signature image; Information matches unit 104, for being mated described electronic signature image and the reserved client's signing messages of described client; Final electronic certificate generation unit 105, for after the match is successful, generate final electronic certificate.
In the present embodiment, in described reserved signing messages storage unit 101, the reserved client's signing messages of client of storage comprises: client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.Wherein, described client's signature image comprises: signature image is or/and the combination of my signature image and procurator's signature image in person.In other embodiments, this signature combination can be also other forms, and it can use different signatures or signature combination according to the level section of the business of generation.Client's signature image in the reserved signing messages of client is also through the operation such as denoising and normalization, and the signing messages data that collect are become as being suitable for carrying out the form of feature extraction.Can fully reflect each one writing style from this pretreated signing messages extracting data, while is metastable feature again, as the static information such as the position of signing, speed while writing, the pressure of wieling the pen, write the multidate informations such as degree of tilt, these characteristic informations that extract can be preserved.
In the present embodiment, electronic certificate Transaction Information corresponding to described business that described electronic certificate Transaction Information generation unit generates comprises: transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
In the present embodiment, described electronic signature image generation unit, for confirm described electronic certificate Transaction Information signature the client, generates electronic signature image, and comprising: the client is signed, and described signature is carried out to denoising and normalized, generate electronic signature image.Its process is identical with reserved signing messages, needs, through operations such as denoising and normalization, signing messages to be become as being suitable for carrying out the form of feature extraction.Extract from this pretreated signing messages and can fully reflect each one writing style, metastable feature again simultaneously, as static informations such as signature positions, the speed while writing, the pressure of wieling the pen, write the multidate information such as degree of tilt.
In the present embodiment, described information matches unit is mated described electronic signature image and the reserved client's signing messages of described client, comprise: described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated; Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
In the present embodiment, described final electronic certificate generation unit is after the match is successful, and the final electronic certificate of generation comprises: electronic certificate form, electronic transaction information and client's signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.Final electronic certificate can remain in storer, if the client needs, also can print and give the client.
A kind of teller terminal device that includes electronic signature device that Fig. 4 is the embodiment of the present invention, this teller terminal device comprises: teller terminal machine 10, interface convertor 11, teller's display screen 12, electronic signature device 13, card reader 14, keyboard 15, printer 16.
In the present embodiment, teller terminal machine 10 is an individual PC, the handwriting recognition unit is installed, the signature that the client can be write on electronic signature device 13 automatically identifies electronic signature, and this handwriting recognition unit supports to read the password code of client's dynamic encrypting device (USB shield etc.) from USB interface simultaneously.This teller terminal device has communication interface, can carry out information interaction with the external communication system.
The panel schematic diagram that Fig. 5 is the electronic signature device 13 in embodiment illustrated in fig. 4 is provided with LCD display 131, handwriting pen 132, handwriting screen 133 and USB mouth 134 on electronic signature harvester 13.
The structural representation that Fig. 6 is the electronic signature device 13 in embodiment illustrated in fig. 4, electronic signature device 13 is comprised of electronic signature harvester 31 and electronic signature management holder 32.
Reserved signature blocks 33 comprises: reserved handwritten signature load module 301, and can be by this module input client's signature; Reserved signed data pretreatment module 302, complete operations such as comprising denoising, normalization, and purpose is that the signature data data that will collect become the form that is suitable for carrying out feature extraction; Reserved signature character information extraction modules 303, can fully reflect each one writing style from pretreated signature data extracting data, metastable feature again simultaneously, as static informations such as signature positions, the speed while writing, the pressure of wieling the pen, write the multidate information such as degree of tilt.The characteristic information extracted is preserved to the signature standard sample database of electronic signature management holder by internet transmission.
Electronic signature management holder 32 comprises signature standard sample data library unit 307, for storing the reserved signature sample data of client.
Fig. 7 is the electric endorsement method of the application embodiment of the present invention and the method flow diagram that system is carried out the application example of business processing.As shown in the figure, the electronic signature business processing flow of the present embodiment is:
Step 700: the client is at bank's transacting business;
Step 701: the teller receives client's business, and the processing of transacting business on the teller terminal machine, after the system accounting processing completes, generates the electronic certificate Transaction Information, as information such as area, site, transaction teller, account, trade dates;
Step 702: electronic certificate Transaction Information simultaneous display is on the LCD display of teller's display screen and client's electronic signature device;
Step 703: the client is according to the content check on LCD display, and use handwriting pen carries out Signature Confirmation on the handwriting screen;
Step 704: electronic signature device obtains client's signature, and identification generates electronic signature image, is placed on client's signature of electronic certificate, and simultaneously, electronic certificate synchronously shows in teller's display screen and client's display screen;
Step 705: the client does confirmation to electronic signature, can directly confirm, or insert dynamic encrypting device (USB shield etc.), and the input password, send and determine instruction;
Step 706: the teller terminal machine generates final state electronic certificate, and final electronic certificate comprises electronic certificate form, electronic transaction information, client's signature;
Step 707: the teller terminal machine will final state electronic certificate passes to preservations of filing of voucher archive management system, prepares against subsequent query;
Step 708: the teller terminal machine outputs to printing device by final state electronic certificate, prints the papery voucher and offers the client, comprises client's electronic signature in the papery voucher, and papery certificate properties is consistent with the electronic certificate content.
By above embodiment, can obtain, electric endorsement method of the present invention, device and system, problem that can effectively improvement inefficiency, mainly from as next aspect realize:
1, use the client to sign electronically and directly generate the voucher e-file, saved the process of papery voucher scanning electron.
2, in real time the voucher e-file is delivered to the processing of filing of voucher archive management system after client trading, whole process is realized by robotization between system, save voucher and landed the link of processing, do not need to carry out OCR identification according to the voucher image of scanning again, the image information that does not need manual entry identification mistake, do not need to arrange the corresponding relation of checking post verification voucher and transaction log.
3, the voucher archives adopt electronic mode keeping, do not need to carry out plastic packaging and be transported to the strange land centralized management as credential management in kind, expend a large amount of manpower and materials.Voucher archives electronic management is saving resource and cost effectively, and the recycling rate is convenient and high.
Those skilled in the art should understand, embodiments of the invention can be provided as method, system or computer program.Therefore, the present invention can adopt complete hardware implementation example, implement software example or in conjunction with the form of the embodiment of software and hardware aspect fully.And the present invention can adopt the form that wherein includes the upper computer program of implementing of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code one or more.
The present invention describes with reference to process flow diagram and/or the block scheme of method, equipment (system) and computer program according to the embodiment of the present invention.Should understand can be in computer program instructions realization flow figure and/or block scheme each flow process and/or the flow process in square frame and process flow diagram and/or block scheme and/or the combination of square frame.Can provide these computer program instructions to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, make the instruction of carrying out by the processor of computing machine or other programmable data processing device produce for realizing the device in the function of flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame appointments.
These computer program instructions also can be stored in energy vectoring computer or the computer-readable memory of other programmable data processing device with ad hoc fashion work, make the instruction be stored in this computer-readable memory produce the manufacture that comprises command device, this command device is realized the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame.These computer program instructions also can be loaded on computing machine or other programmable data processing device, make and carry out the sequence of operations step to produce computer implemented processing on computing machine or other programmable devices, thereby the instruction of carrying out on computing machine or other programmable devices is provided for realizing the step of the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame.
Applied specific embodiment in the present invention principle of the present invention and embodiment are set forth, the explanation of above embodiment is just for helping to understand method of the present invention and core concept thereof; , for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention simultaneously.
Claims (21)
1. an electric endorsement method, is characterized in that, described electric endorsement method comprises:
The client reserves client's signing messages, and described client's signing messages is stored;
Client's transacting business, generate electronic certificate Transaction Information corresponding to described business;
The client confirms described electronic certificate Transaction Information signature, generates electronic signature image;
Described electronic signature image and the reserved client's signing messages of described client are mated;
If the match is successful, generate final electronic certificate and preserved.
2. electric endorsement method according to claim 1, is characterized in that, the reserved client's signing messages of described client comprises:
Client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.
3. electric endorsement method according to claim 2, is characterized in that, described client's signature image comprises:
Signature image is or/and the combination of my signature image and procurator's signature image in person.
4. electric endorsement method according to claim 1, is characterized in that, described client's transacting business generates electronic certificate Transaction Information corresponding to described business and comprises:
Transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
5. electric endorsement method according to claim 1, is characterized in that, described client confirms described electronic certificate Transaction Information signature, generates electronic signature image, comprising:
The client is signed, and described signature is carried out to denoising and normalized, generates electronic signature image.
6. electric endorsement method according to claim 1, is characterized in that, described described electronic signature image and the reserved client's signing messages of described client mated, and comprising:
Described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated;
Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
7. electric endorsement method according to claim 1, is characterized in that, if described, the match is successful, and the final electronic certificate generated comprises: electronic certificate form, electronic transaction information and client's signature;
Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
8. an electronic signature device, is characterized in that, described electronic signature device comprises:
Reserved signing messages storage unit, for storing the reserved client's signing messages of client;
Electronic certificate Transaction Information generation unit, electronic certificate Transaction Information corresponding to business of handling for generating described client;
The electronic signature image generation unit, signed after described electronic certificate Transaction Information for confirming the client, generates electronic signature image;
The information matches unit, for being mated described electronic signature image and the reserved client's signing messages of described client;
Final electronic certificate generation unit, for after the match is successful, generate final electronic certificate.
9. electronic signature device according to claim 8, is characterized in that, the reserved client's signing messages of client of storing in described reserved signing messages storage unit comprises:
Client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.
10. electronic signature device according to claim 9, is characterized in that, described client's signature image comprises:
Signature image is or/and the combination of my signature image and procurator's signature image in person.
11. electronic signature device according to claim 8, is characterized in that, electronic certificate Transaction Information corresponding to described business that described electronic certificate Transaction Information generation unit generates comprises:
Transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
12. electronic signature device according to claim 8, is characterized in that, described electronic signature image generation unit, for confirm described electronic certificate Transaction Information signature the client, generates electronic signature image, comprising:
The client is signed, and described signature is carried out to denoising and normalized, generates electronic signature image.
13. electronic signature device according to claim 8, is characterized in that, described information matches unit is mated described electronic signature image and the reserved client's signing messages of described client, comprising:
Described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated;
Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
14. electronic signature device according to claim 8, is characterized in that, described final electronic certificate generation unit is after the match is successful, and the final electronic certificate of generation comprises: electronic certificate form, electronic transaction information and client's signature;
Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
15. an electric signing system, is characterized in that, comprises electronic signature device, transaction processing system and electronic signature handwriting device;
Wherein, described electronic signature device is connected with described transaction processing system, and described electronic signature handwriting device is connected with transaction processing system with described electronic signature device,
Described transaction processing system, for the transaction request according to the client, generates the transaction processing result;
Described electronic signature handwriting device is inputted electronic signature information for the client;
Described electronic signature device comprises:
Reserved signing messages storage unit, for storing the reserved client's signing messages of client;
Electronic certificate Transaction Information generation unit, electronic certificate Transaction Information corresponding to business of handling for generating described client;
The electronic signature image generation unit, for confirm described electronic certificate Transaction Information the client after and on described electronic signature handwriting device, inputting described electronic signature information, generate electronic signature image;
The information matches unit, for being mated described electronic signature image and the reserved client's signing messages of described client;
Final electronic certificate generation unit, for after the match is successful, generate final electronic certificate.
16. electric signing system according to claim 15, is characterized in that, the reserved client's signing messages of client of storing in described reserved signing messages storage unit comprises:
Client's unique identifying number, client's signature image, effective date, Start Date, date of expiry.
17. electric signing system according to claim 16, is characterized in that, described client's signature image comprises:
Signature image is or/and the combination of my signature image and procurator's signature image in person.
18. electric signing system according to claim 15, is characterized in that, electronic certificate Transaction Information corresponding to described business that described electronic certificate Transaction Information generation unit generates comprises:
Transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
19. electric signing system according to claim 15, is characterized in that, described electronic signature image generation unit, for confirm described electronic certificate Transaction Information signature the client, generates electronic signature image, comprising:
The client is signed, and described signature is carried out to denoising and normalized, generates electronic signature image.
20. electric signing system according to claim 15, is characterized in that, described information matches unit is mated described electronic signature image and the reserved client's signing messages of described client, comprising:
Described electronic signature image and the reserved client's signing messages of described client are carried out to static matching, the signature position is mated;
Described electronic signature image and the reserved client's signing messages of described client are carried out to Dynamic Matching, speed, the pressure of wieling the pen when writing, write degree of tilt and mated.
21. electric signing system according to claim 15, is characterized in that, described final electronic certificate generation unit is after the match is successful, and the final electronic certificate of generation comprises: electronic certificate form, electronic transaction information and client's signature;
Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, transaction account, trade date and transaction processing result.
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| CN201310392483.XA CN103488923B (en) | 2013-09-02 | 2013-09-02 | A kind of electric endorsement method, Apparatus and system |
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| CN201310392483.XA CN103488923B (en) | 2013-09-02 | 2013-09-02 | A kind of electric endorsement method, Apparatus and system |
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| CN103488923A true CN103488923A (en) | 2014-01-01 |
| CN103488923B CN103488923B (en) | 2016-01-20 |
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| CN105791302A (en) * | 2016-03-29 | 2016-07-20 | 努比亚技术有限公司 | Electronic signature authentication method, device and system |
| WO2017012051A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Method, device, and system for receiving certificate |
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| CN108038449A (en) * | 2017-12-14 | 2018-05-15 | 广东德生科技股份有限公司 | A kind of with no paper electric endorsement method and system |
| CN108596178A (en) * | 2018-03-09 | 2018-09-28 | 福州米鱼信息科技有限公司 | A kind of electronic evidence acquisition method and system |
| WO2019223177A1 (en) * | 2018-05-21 | 2019-11-28 | 平安科技（深圳）有限公司 | Electronic signature authentication method and system, computer device and storage medium |
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| WO2017012051A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Method, device, and system for receiving certificate |
| CN105791302A (en) * | 2016-03-29 | 2016-07-20 | 努比亚技术有限公司 | Electronic signature authentication method, device and system |
| CN107316381A (en) * | 2016-09-29 | 2017-11-03 | 中国工商银行股份有限公司 | A kind of sales counter information processing method, terminal and business handling system |
| CN106599570A (en) * | 2016-12-12 | 2017-04-26 | 嘉兴太美医疗科技有限公司 | Informed consent checking method |
| CN108038449A (en) * | 2017-12-14 | 2018-05-15 | 广东德生科技股份有限公司 | A kind of with no paper electric endorsement method and system |
| CN108596178A (en) * | 2018-03-09 | 2018-09-28 | 福州米鱼信息科技有限公司 | A kind of electronic evidence acquisition method and system |
| WO2019223177A1 (en) * | 2018-05-21 | 2019-11-28 | 平安科技（深圳）有限公司 | Electronic signature authentication method and system, computer device and storage medium |
| CN110659569A (en) * | 2019-08-16 | 2020-01-07 | 平安科技（深圳）有限公司 | Electronic signature method, device, storage medium and electronic equipment |
| CN111049659A (en) * | 2019-12-17 | 2020-04-21 | 中国银行股份有限公司 | Service verification method, device and system based on handwritten signature recognition |
| CN111049659B (en) * | 2019-12-17 | 2023-05-12 | 中国银行股份有限公司 | Service verification method, device and system based on handwriting signature recognition |
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| CN103488923B (en) | 2016-01-20 |
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