CN103488923B - A kind of electric endorsement method, Apparatus and system - Google Patents
A kind of electric endorsement method, Apparatus and system Download PDFInfo
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- CN103488923B CN103488923B CN201310392483.XA CN201310392483A CN103488923B CN 103488923 B CN103488923 B CN 103488923B CN 201310392483 A CN201310392483 A CN 201310392483A CN 103488923 B CN103488923 B CN 103488923B
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- 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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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
Embodiments provide electric endorsement method, Apparatus and system.Described electric endorsement method comprises: client reservation customer signature information, and described customer signature information is stored; Client's transacting business, generates the electronic certificate transaction information that described business is corresponding; Client confirms described electronic certificate transaction information and signs, and generates electronic signature image; Described electronic signature image is mated with the customer signature information of described client reservation; If the match is successful, then generate final electronic certificate and preserve.The electric endorsement method of the embodiment of the present invention, device and system, can the problem of effectively improvement inefficiency, and uses Consumer Electronics signature directly generation voucher e-file, saves the process of papery voucher scanning electron; After client trading, in real time voucher e-file is delivered to certificate file management system to file process, whole process is by robotization realization between system; Certificate file adopts the keeping of electronic mode, and effectively save resource and cost, reuse ratio is convenient and high.
Description
Technical field
The present invention relates to 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 on voucher by client.At present, associated mechanisms is when the records handling making voucher, normally first credential information to be printed on voucher in kind and by client's manual signature, then credential gathering in kind is got up, utilize scanner device or first-class image capture device of making a video recording carries out electronic disposal and synthetic image to voucher, finally use the abbreviation of OCR(OpticalCharacterRecognition, meaning optical character identification) technology obtains and generates the crucial business electronic data (content that such as bill is filled in from image, customer signature etc.), and business electronic data is preserved in a database, be convenient to later voucher have access to, inquiry.Due to client's employing in said process is in voucher made of paper enterprising pedestrian's work signature scheme, this mode causes follow-up electronic process need to extract key business data from the image of scanning voucher made of paper, this disposal route relies on very high to picture quality, the discrimination of current OCR technology is usually not high, such as voucher made of paper has folding line all can affect identification, thus cause data identification to occur mistake, and the process need identified consumes comparatively Iarge-scale system resource, and system treatment effeciency is low.
Therefore, due to voucher processing mode that current industry is general, to there is above-mentioned image recognition rate not high, and data error rate is high, the low inferior problem for the treatment of effeciency, therefore, needs the mode improving this data processing.
Summary of the invention
The object of the invention is to overcome existing certificate file processing procedure, to there is data error rate high, and the low inferior problem for the treatment of effeciency, provides a kind of electronic signature device and system, to improve the accuracy of data processing, and improves the treatment effeciency of system.
In order to achieve the above object, the embodiment of the present invention provides a kind of electric endorsement method, comprising: client reservation customer signature information, and described customer signature information is stored; Client's transacting business, generates the electronic certificate transaction information that described business is corresponding; Client confirms described electronic certificate transaction information and signs, and generates electronic signature image; Described electronic signature image is mated with the customer signature information of described client reservation; If the match is successful, then generate final electronic certificate and preserve.
Further, in one embodiment, the customer signature information of described client reservation comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry.
Further, in one embodiment, described customer 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, the electronic certificate transaction information generating described business corresponding comprises: transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
Further, in one embodiment, described client confirms described electronic certificate transaction information and signs, and generates electronic signature image, comprising: client signs, and carry out denoising and normalized to described signature, generates electronic signature image.
Further, in one embodiment, described described electronic signature image to be mated with the customer signature information of described client reservation, comprising: the customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated; The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
Further, in one embodiment, if described, the match is successful, then the final electronic certificate generated comprises: electronic certificate form, electronic transaction information and customer signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, 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 customer signature information of client reservation; Electronic certificate transaction information generation unit, for generating electronic certificate transaction information corresponding to business that described client handles; Electronic signature image generation unit, signs after confirming described electronic certificate transaction information client, generates electronic signature image; Information matching unit, for mating described electronic signature image with the customer signature information of described client reservation; Final electronic certificate generation unit, for after the match is successful, generates final electronic certificate.
Further, in one embodiment, the customer signature information of the client reservation stored in described reserved signing messages storage unit comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry.
Further, in one embodiment, described customer 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, the electronic certificate transaction information that the described business of described electronic certificate transaction information generation unit generation is corresponding comprises: transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
Further, in one embodiment, described electronic signature image generation unit is used for confirming described electronic certificate transaction information client and signing, generate electronic signature image, comprise: client signs, and denoising and normalized are carried out to described signature, generate electronic signature image.
Further, in one embodiment, described electronic signature image is mated with the customer signature information of described client reservation by described information matching unit, comprise: the customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated; The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
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 customer signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, 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 is used for the transaction request according to client, generates transaction processing result; Described electronic signature handwriting device is used for client and inputs electronic signature information; Described electronic signature device comprises: reserved signing messages storage unit, for storing the customer signature information of client reservation; Electronic certificate transaction information generation unit, for generating electronic certificate transaction information corresponding to business that described client handles; Electronic signature image generation unit, inputs described electronic signature information after confirming described electronic certificate transaction information client on described electronic signature handwriting device, generates electronic signature image; Information matching unit, for mating described electronic signature image with the customer signature information of described client reservation; Final electronic certificate generation unit, for after the match is successful, generates final electronic certificate.
Further, in one embodiment, the customer signature information of the client reservation stored in described reserved signing messages storage unit comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry.
Further, in one embodiment, described customer 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, the electronic certificate transaction information that the described business of described electronic certificate transaction information generation unit generation is corresponding comprises: transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
Further, in one embodiment, described electronic signature image generation unit is used for confirming described electronic certificate transaction information client and signing, generate electronic signature image, comprise: client signs, and denoising and normalized are carried out to described signature, generate electronic signature image.
Further, in one embodiment, described electronic signature image is mated with the customer signature information of described client reservation by described information matching unit, comprise: the customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated; The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
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 customer signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
Electric endorsement method of the present invention, device and system, can the problem of effectively improvement inefficiency, mainly realizes from such as next aspect:
1, use Consumer Electronics signature directly to generate voucher e-file, save the process of papery voucher scanning electron.
2, after client trading, in real time voucher e-file is delivered to certificate file management system to file process, whole process is realized by robotization between system, save voucher land process link, do not need to carry out OCR identification according to the voucher image of scanning again, do not need the image information of manual entry identification mistake, do not need to arrange and check the corresponding relation that voucher and transaction log are verified in post.
3, certificate file adopts the keeping of electronic mode, does not need to carry out plastic packaging as credential management in kind and is transported to strange land centralized management, the manpower and materials of at substantial.Certificate file electronic management can effectively saving resource and cost, and reuse ratio is convenient and high.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the method flow diagram of a kind of electric endorsement method of the embodiment of the present invention;
Fig. 2 is the structural representation of a kind of electronic signature device of the embodiment of the present invention;
Fig. 3 is the structural representation of a kind of electric signing system of the embodiment of the present invention;
Fig. 4 is the structural representation including a kind of teller terminal device of electronic signature device of the embodiment of the present invention;
Fig. 5 be embodiment illustrated in fig. 4 in the panel schematic diagram of electronic signature device 13,
Fig. 6 be embodiment illustrated in fig. 4 in the structural representation of electronic signature device 13;
Fig. 7 is the method flow diagram that the application electric endorsement method of the embodiment of the present invention and system carry out the application example of business processing.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Fig. 1 is the method flow diagram of a kind of electric endorsement method of the embodiment of the present invention.As shown in the figure, the electric endorsement method of the present embodiment comprises: step S101, client reservation customer signature information, and described customer signature information is stored; Step S102, client's transacting business, generates the electronic certificate transaction information that described business is corresponding; Step S103, client confirms described electronic certificate transaction information and signs, and generates electronic signature image; Step S104, mates described electronic signature image with the customer signature information of described client reservation; Step S105, if the match is successful, then generates final electronic certificate and preserves.
In the step S101 of the present embodiment, the customer signature information of described client reservation comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry.Wherein, described customer 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 also can be other forms, and it can use different signatures or signature combination according to the level section of the business of generation.Customer signature image in the signing messages of client reservation has also been through the operation such as denoising and normalization, the signing messages data collected is turned into the form being suitable for carrying out feature extraction.Each one writing style can be fully reflected from this pretreated signing messages extracting data, simultaneously metastable feature again, as the static informations such as position of signing, speed when writing, pressure of wieling the pen, write the multidate informations such as degree of tilt, these characteristic informations extracted can be preserved.
In the step S102 of the present embodiment, described client's transacting business, the electronic certificate transaction information generating described business corresponding comprises: transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.Such as, client handles the business of withdrawing the money, and the electronic certificate information of generation can comprise: area of withdrawing the money, the site of withdrawing the money, the teller's numbering handled, the account of withdrawing the money, withdraw the money date and number etc. of withdrawing the money.
In the step S103 of the present embodiment, described client confirms described electronic certificate transaction information and signs, and generates electronic signature image, comprising: client signs, and carry out denoising and normalized to described signature, generates electronic signature image.Its process is identical with reserved signing messages, needs, through the operation such as denoising and normalization, signing messages to be turned into the form being suitable for carrying out feature extraction.Extract from this pretreated signing messages and can fully reflect each one writing style, simultaneously metastable feature again, as static informations such as signature positions, speed when writing, pressure of wieling the pen, write the multidate informations such as degree of tilt.
In the step S104 of the present embodiment, described electronic signature image is mated with the customer signature information of described client reservation, comprise: the customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated; The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
In the step S105 of the present embodiment, if described, the match is successful, proves the transaction that client itself carries out, then generate final electronic certificate, it comprises: electronic certificate form, electronic transaction information and customer signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.Final electronic certificate can keep in memory, if client needs, also can print and give client.
By above-described embodiment, use Consumer Electronics signature directly to generate voucher e-file, save the process of papery voucher scanning electron; And, after client trading, in real time voucher e-file is delivered to certificate file management system to file process, whole process is realized by robotization between system, save voucher land process link, do not need to carry out OCR identification according to the voucher image of scanning again, do not need the image information of manual entry identification mistake, do not need to arrange and check the corresponding relation that voucher and transaction log are verified in post; Further, certificate file adopts the keeping of electronic mode, does not need to carry out plastic packaging as credential management in kind and is transported to strange land centralized management, the manpower and materials of at substantial.Certificate file electronic management can effectively saving resource and cost, and reuse ratio 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 customer signature information of client reservation; Electronic certificate transaction information generation unit 102, for generating electronic certificate transaction information corresponding to business that described client handles; Electronic signature image generation unit 103, signs after confirming described electronic certificate transaction information client, generates electronic signature image; Information matching unit 104, for mating described electronic signature image with the customer signature information of described client reservation; Final electronic certificate generation unit 105, for after the match is successful, generates final electronic certificate.
In the present embodiment, the customer signature information of the client reservation stored in described reserved signing messages storage unit 101 comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry.Wherein, described customer 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 also can be other forms, and it can use different signatures or signature combination according to the level section of the business of generation.Customer signature image in the signing messages of client reservation has also been through the operation such as denoising and normalization, the signing messages data collected is turned into the form being suitable for carrying out feature extraction.Each one writing style can be fully reflected from this pretreated signing messages extracting data, simultaneously metastable feature again, as the static informations such as position of signing, speed when writing, pressure of wieling the pen, write the multidate informations such as degree of tilt, these characteristic informations extracted can be preserved.
In the present embodiment, the electronic certificate transaction information that the described business of described electronic certificate transaction information generation unit 102 generation is corresponding comprises: transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
In the present embodiment, described electronic signature image generation unit 103, for confirming described electronic certificate transaction information client and signing, generates electronic signature image, comprising: client signs, and denoising and normalized are carried out to described signature, generate electronic signature image.Its process is identical with reserved signing messages, needs, through the operation such as denoising and normalization, signing messages to be turned into the form being suitable for carrying out feature extraction.Extract from this pretreated signing messages and can fully reflect each one writing style, simultaneously metastable feature again, as static informations such as signature positions, speed when writing, pressure of wieling the pen, write the multidate informations such as degree of tilt.
In the present embodiment, described electronic signature image is mated with the customer signature information of described client reservation by described information matching unit 104, comprise: the customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated; The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
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 customer signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.Final electronic certificate can keep in memory, if client needs, also can print and give 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 is connected by bank's dedicated network with described transaction processing system 2, and described electronic signature handwriting device 3 is connected by wired or wireless with described electronic signature device 1.Described transaction processing system 2, for the transaction request according to client, generates transaction processing result; Described electronic signature handwriting device 3 inputs electronic signature information for client, and the electronic signature information of the transaction processing result described in electronic signature device 1 basis and client generates the final electronic transaction voucher with Consumer Electronics signature.
Described electronic signature device 1 comprises: reserved signing messages storage unit 101, for storing the customer signature information of client reservation; Electronic certificate transaction information generation unit 102, for generating electronic certificate transaction information corresponding to business that described client handles; Electronic signature image generation unit 103, inputs described electronic signature information after confirming described electronic certificate transaction information client on described electronic signature handwriting device, generates electronic signature image; Information matching unit 104, for mating described electronic signature image with the customer signature information of described client reservation; Final electronic certificate generation unit 105, for after the match is successful, generates final electronic certificate.
In the present embodiment, the customer signature information of the client reservation stored in described reserved signing messages storage unit 101 comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry.Wherein, described customer 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 also can be other forms, and it can use different signatures or signature combination according to the level section of the business of generation.Customer signature image in the signing messages of client reservation has also been through the operation such as denoising and normalization, the signing messages data collected is turned into the form being suitable for carrying out feature extraction.Each one writing style can be fully reflected from this pretreated signing messages extracting data, simultaneously metastable feature again, as the static informations such as position of signing, speed when writing, pressure of wieling the pen, write the multidate informations such as degree of tilt, these characteristic informations extracted can be preserved.
In the present embodiment, the electronic certificate transaction information that the described business of described electronic certificate transaction information generation unit generation is corresponding comprises: transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
In the present embodiment, described electronic signature image generation unit is used for confirming described electronic certificate transaction information client and signing, and generates electronic signature image, comprising: client signs, and denoising and normalized are carried out to described signature, generate electronic signature image.Its process is identical with reserved signing messages, needs, through the operation such as denoising and normalization, signing messages to be turned into the form being suitable for carrying out feature extraction.Extract from this pretreated signing messages and can fully reflect each one writing style, simultaneously metastable feature again, as static informations such as signature positions, speed when writing, pressure of wieling the pen, write the multidate informations such as degree of tilt.
In the present embodiment, described electronic signature image is mated with the customer signature information of described client reservation by described information matching unit, comprise: the customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated; The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
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 customer signature; Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.Final electronic certificate can keep in memory, if client needs, also can print and give client.
Fig. 4 is a kind of teller terminal device including electronic signature device of the embodiment of the present invention, and 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, hand-writing recognition unit is installed, the signature that client writes on electronic signature device 13 can be automatically identified electronic signature, this hand-writing recognition unit supports the password code reading 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 external communication system.
Interface convertor 11 has communication interface, is connected with the video card of teller terminal machine 10, will show synchronizing information and send teller's display screen 12 and electronic signature device 13.
Teller terminal machine 10 is connected with card reader 14, keyboard 15, printer 16 respectively by self serial ports 1, serial ports 2 and serial ports 3.
Fig. 5 be embodiment illustrated in fig. 4 in the panel schematic diagram of electronic signature device 13, electronic signature harvester 13 is provided with LCD display 131, handwriting pen 132, handwriting screen 133 and USB port 134.
LCD display 131 is by the electronic certificate information of interface convertor 11 simultaneous display teller display screen 132, and client is by the correctness of the display screen visualize electronic certificate information content.
Handwriting screen 133 to be signed region for client, and client uses handwriting pen to sign, and by backstage electronic signature identification software unit customer signature is completed to gathering identification, and is presented in the customer signature hurdle of electronic certificate.
USB port 134 is external dynamic encrypting device (USB shield etc.) use, and client can manual confirmation electronic signature result or adopt dynamic encrypting device, and input codon pair customer signature information confirms.
Fig. 6 be embodiment illustrated in fig. 4 in the structural representation of electronic signature device 13, electronic signature device 13 is made up of electronic signature harvester 31 and electronic signature management holder 32.
Electronic signature device 13 comprises reserved signature blocks 33 and signature identification module 34.Reserved signature blocks 33 is for the process of client's advance reservation electronic signature as business handling foundation.Signature identification module 34 carries out at transacting business the process of verifying of signing for client.
Reserved signature blocks 33 comprises: reserved handwritten signature load module 301, can by the signature of this module input client itself; Reserved signed data pretreatment module 302, complete and comprise the operation such as denoising, normalization, object is that the signature data data collected are become the form being suitable for carrying out feature extraction; Reserved signature character information extraction modules 303, each one writing style can be fully reflected from pretreated signature data extracting data, simultaneously metastable feature again, as static informations such as signature positions, speed when writing, pressure of wieling the pen, writes the multidate informations such as degree of tilt.The characteristic information extracted preserves to the signature standard sample database of electronic signature management holder by internet transmission.
Signature identification module 34 comprises: handwriting input module 304, for receiving handwritten signature and inputting teller terminal machine; Signed data image capture module 305, complete the acquisition to signing messages and generation electronic signature image, and complete the operation such as noise reduction, normalization of signing messages, object is that the signing messages data collected are become the form being suitable for carrying out feature extraction, therefrom extract and can fully reflect each one writing style, simultaneously metastable feature again, as static informations such as signature positions, speed when writing, pressure of wieling the pen, writes the multidate informations such as degree of tilt; Signed data identification module 306, mates the characteristic information of extraction with Standard signatures sample, draws identification result.
Electronic signature management holder 32 comprises signature standard sample data library unit 307, for storing client reservation signature sample data.
Fig. 7 is the method flow diagram that the application electric endorsement method of the embodiment of the present invention and system carry 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: client is at bank's transacting business;
Step 701: teller receives client traffic, process that teller terminal machine is transacted business, after system accounting processing completes, generates electronic certificate transaction information, as information such as area, site, transaction teller, account, trade dates;
Step 702: electronic certificate transaction information simultaneous display is in the LCD display of the display screen of teller and the electronic signature device of client;
Step 703: client according to the content check in LCD display, and uses handwriting pen to carry out Signature Confirmation on handwriting screen;
Step 704: electronic signature device obtains customer signature, identify and generate electronic signature image, be placed on the customer signature hurdle of electronic certificate, meanwhile, electronic certificate synchronously shows in teller's display screen and client display screen;
Step 705: client does electronic signature and confirms, can directly confirm, or insert dynamic encrypting device (USB shield etc.), input password, sends and determines instruction;
Step 706: teller terminal machine generates most final state electronic certificate, and final electronic certificate comprises electronic certificate form, electronic transaction information, customer signature;
Step 707: most final state electronic certificate is passed to certificate file management system and to file preservation, in order to subsequent query by teller terminal machine;
Step 708: most final state electronic certificate is outputted to printing device by teller terminal machine, and print papery voucher and be supplied to client, comprise the electronic signature of client in papery voucher, papery certificate properties is consistent with electronic certificate content.
Can be obtained by above embodiment, electric endorsement method of the present invention, device and system, can the problem of effectively improvement inefficiency, mainly realize from such as next aspect:
1, use Consumer Electronics signature directly to generate voucher e-file, save the process of papery voucher scanning electron.
2, after client trading, in real time voucher e-file is delivered to certificate file management system to file process, whole process is realized by robotization between system, save voucher land process link, do not need to carry out OCR identification according to the voucher image of scanning again, do not need the image information of manual entry identification mistake, do not need to arrange and check the corresponding relation that voucher and transaction log are verified in post.
3, certificate file adopts the keeping of electronic mode, does not need to carry out plastic packaging as credential management in kind and is transported to strange land centralized management, the manpower and materials of at substantial.Certificate file electronic management can effectively saving resource and cost, and reuse ratio 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 the form of complete hardware embodiment, completely software implementation or the embodiment in conjunction with software and hardware aspect.And the present invention can adopt in one or more form wherein including the upper computer program implemented of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code.
The present invention describes with reference to according to the process flow diagram of the method for the embodiment of the present invention, equipment (system) and computer program and/or block scheme.Should understand can by the combination of the flow process in each flow process in computer program instructions realization flow figure and/or block scheme and/or square frame and process flow diagram and/or block scheme and/or square frame.These computer program instructions can being provided to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, making the instruction performed by the processor of computing machine or other programmable data processing device produce device for realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
These computer program instructions also can be stored in can in the computer-readable memory that works in a specific way of vectoring computer or other programmable data processing device, the instruction making to be stored in this computer-readable memory produces the manufacture comprising command device, and this command device realizes the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.These computer program instructions also can be loaded in computing machine or other programmable data processing device, make on computing machine or other programmable devices, to perform sequence of operations step to produce computer implemented process, thus the instruction performed on computing machine or other programmable devices is provided for the step realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
Apply specific embodiment in the present invention to set forth principle of the present invention and embodiment, the explanation of above embodiment just understands method of the present invention and core concept thereof for helping; Meanwhile, 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.
Claims (15)
1. an electric endorsement method, is characterized in that, described electric endorsement method comprises:
Client reservation customer signature information, and described customer signature information is stored, the customer signature information of described client reservation comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry, and described customer signature image comprises my signature image or/and the combination of my signature image and procurator's signature image;
Client's transacting business, generates the electronic certificate transaction information that described business is corresponding;
Client confirms described electronic certificate transaction information and signs, and generates electronic signature image;
Described electronic signature image is mated with the customer signature information of described client reservation;
If the match is successful, then generate final electronic certificate and preserve;
Wherein, described described electronic signature image to be mated with the customer signature information of described client reservation, comprising:
The customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated;
The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
2. electric endorsement method according to claim 1, is characterized in that, described customer signature image comprises:
Signature image is or/and the combination of my signature image and procurator's signature image in person.
3. electric endorsement method according to claim 1, is characterized in that, described client's transacting business, and the electronic certificate transaction information generating described business corresponding comprises:
Transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
4. electric endorsement method according to claim 1, is characterized in that, described client confirms described electronic certificate transaction information and signs, and generates electronic signature image, comprising:
Client signs, and carries out denoising and normalized to described signature, generates electronic signature image.
5. electric endorsement method according to claim 1, is characterized in that, if described, the match is successful, then the final electronic certificate generated comprises: electronic certificate form, electronic transaction information and customer signature;
Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
6. an electronic signature device, is characterized in that, described electronic signature device comprises:
Reserved signing messages storage unit, for storing the customer signature information of client reservation, the customer signature information of described client reservation comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry, and described customer signature image comprises my signature image or/and the combination of my signature image and procurator's signature image;
Electronic certificate transaction information generation unit, for generating electronic certificate transaction information corresponding to business that described client handles;
Electronic signature image generation unit, signs after confirming described electronic certificate transaction information client, generates electronic signature image;
Information matching unit, for mating described electronic signature image with the customer signature information of described client reservation;
Final electronic certificate generation unit, for after the match is successful, generates final electronic certificate;
Described electronic signature image is mated with the customer signature information of described client reservation by described information matching unit, comprising:
The customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated;
The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
7. electronic signature device according to claim 6, is characterized in that, described customer signature image comprises:
Signature image is or/and the combination of my signature image and procurator's signature image in person.
8. electronic signature device according to claim 6, is characterized in that, the electronic certificate transaction information that the described business of described electronic certificate transaction information generation unit generation is corresponding comprises:
Transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
9. electronic signature device according to claim 6, is characterized in that, described electronic signature image generation unit is used for confirming described electronic certificate transaction information client and signing, and generates electronic signature image, comprising:
Client signs, and carries out denoising and normalized to described signature, generates electronic signature image.
10. electronic signature device according to claim 6, 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 customer signature;
Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
11. 1 kinds of electric signing systems, is characterized in that, comprise 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 is used for the transaction request according to client, generates transaction processing result;
Described electronic signature handwriting device is used for client and inputs electronic signature information;
Described electronic signature device comprises:
Reserved signing messages storage unit, for storing the customer signature information of client reservation, the customer signature information of described client reservation comprises: client's unique identifying number, customer signature image, effective date, Start Date, date of expiry, and described customer signature image comprises my signature image or/and the combination of my signature image and procurator's signature image;
Electronic certificate transaction information generation unit, for generating electronic certificate transaction information corresponding to business that described client handles;
Electronic signature image generation unit, inputs described electronic signature information after confirming described electronic certificate transaction information client on described electronic signature handwriting device, generates electronic signature image;
Information matching unit, for mating described electronic signature image with the customer signature information of described client reservation;
Final electronic certificate generation unit, for after the match is successful, generates final electronic certificate;
Described electronic signature image is mated with the customer signature information of described client reservation by described information matching unit, comprising:
The customer signature information of described electronic signature image and described client reservation is carried out static matching, namely signature position is mated;
The customer signature information of described electronic signature image and described client reservation is carried out Dynamic Matching, namely to speed when writing, pressure of wieling the pen, write degree of tilt and mate.
12. electric signing systems according to claim 11, is characterized in that, described customer signature image comprises:
Signature image is or/and the combination of my signature image and procurator's signature image in person.
13. electric signing systems according to claim 11, is characterized in that, the electronic certificate transaction information that the described business of described electronic certificate transaction information generation unit generation is corresponding comprises:
Transaction area, transaction site, transaction teller, Transaction Account number, trade date and transaction processing result.
14. electric signing systems according to claim 11, is characterized in that, described electronic signature image generation unit is used for confirming described electronic certificate transaction information client and signing, and generates electronic signature image, comprising:
Client signs, and carries out denoising and normalized to described signature, generates electronic signature image.
15. electric signing systems according to claim 11, 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 customer signature;
Wherein, described electronic transaction information comprises transaction area, transaction site, transaction teller, Transaction Account number, 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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| CA2994351C (en) * | 2015-07-21 | 2021-04-13 | 10353744 Canada Ltd. | 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 |
| CN108667622B (en) * | 2018-05-21 | 2022-02-22 | 平安科技（深圳）有限公司 | Electronic signature authentication method, system, computer device and storage medium |
| CN110659569B (en) * | 2019-08-16 | 2024-07-26 | 平安科技（深圳）有限公司 | Electronic signature method, device, storage medium and electronic equipment |
| 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 |
| CN112232813B (en) * | 2020-10-12 | 2024-09-24 | 国网上海市电力公司 | Renewable energy power consumption certificate management method and device based on block chain |
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