CN107707970A - A kind of electronic contract signature method, system and terminal - Google Patents
A kind of electronic contract signature method, system and terminal Download PDFInfo
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- CN107707970A CN107707970A CN201710827421.5A CN201710827421A CN107707970A CN 107707970 A CN107707970 A CN 107707970A CN 201710827421 A CN201710827421 A CN 201710827421A CN 107707970 A CN107707970 A CN 107707970A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/43—Processing of content or additional data, e.g. demultiplexing additional data from a digital video stream; Elementary client operations, e.g. monitoring of home network or synchronising decoder's clock; Client middleware
- H04N21/433—Content storage operation, e.g. storage operation in response to a pause request, caching operations
- H04N21/4334—Recording operations
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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
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/43—Processing of content or additional data, e.g. demultiplexing additional data from a digital video stream; Elementary client operations, e.g. monitoring of home network or synchronising decoder's clock; Client middleware
- H04N21/439—Processing of audio elementary streams
- H04N21/4394—Processing of audio elementary streams involving operations for analysing the audio stream, e.g. detecting features or characteristics in audio streams
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/47—End-user applications
- H04N21/488—Data services, e.g. news ticker
- H04N21/4882—Data services, e.g. news ticker for displaying messages, e.g. warnings, reminders
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N5/00—Details of television systems
- H04N5/76—Television signal recording
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- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The present invention is applied to communication technical field, provide a kind of electronic contract signature method, system and terminal, pass through the camera of starting device terminal, after starting video record into video record interface, the contract key message extracted from electronic contract text is included on video record interface, and preserve recorded video information after user is correctly completed confirmation operation according to prompt message, obtain electronic signature data, judged whether to generate valid contract text according to the electronic signature data, realize using the video information as the original proof evidence for ensureing to be retained during financial product trading, improve the safety and reliability of financial transaction process, and improve Consumer's Experience.
Description
Technical field
The invention belongs to financial technology field, more particularly to a kind of electronic contract signature method, system and terminal.
Background technology
In existing financial product transaction, when client needs to be traded a certain finance, typically by selling
Personnel complete the upload of relevant information such as customer data, financial product information etc. in electronic bill of lading system, corresponding to generate
Contract, sales force carry out contract signing work after the contract is audited by company, with client, and the contract can be papery
Or it is electronic.But because the Data Enter operation in electronic bill of lading system is completed to be completed by sales force, deposit
Falsely using the situation of other people information.Meanwhile also with the presence of the actual financial product handled of client feedback and the finance in advance promised to undertake
The inconsistent situation of product.
However, due to carrying out there is no detailed record voucher to cause missing evidence during financial product transaction at that time, so meeting
Produce the hidden danger of dispute so that client can not protect the right of oneself according to the contract or using the electronic contract, therefore must
There is provided one kind can ensure to retain original proof evidence during financial product trading, to ensure the safety of financial process of exchange
Property and reliability, improve the electronic bill of lading system of Consumer's Experience.
The content of the invention
In view of this, the embodiments of the invention provide a kind of electronic contract signature method, system and terminal, to provide one kind
It can ensure to retain original proof evidence during financial product trading, to ensure the security of financial process of exchange and reliable
Property, improve the electronic bill of lading system of Consumer's Experience.
The first aspect of the embodiment of the present invention provides a kind of electronic contract signature method, including:
The camera of starting device terminal, start video record into video record interface;
Contract key message is extracted from electronic contract text, and the contract key message is included recording in the video
On interface processed;
Judge whether the confirmation operation that user is carried out according to prompt message is correct;
When the confirmation operation that user is carried out according to prompt message is correct, terminates video record and preserve recorded video
Information;
Electronic signature data is obtained, is judged whether to generate valid contract text according to the electronic signature data.
The second aspect of the embodiment of the present invention provides a kind of electronic contract signature system, including:
Camera start unit, for the camera of starting device terminal, start video record into video record interface;
Contract key message extraction unit, for extracting contract key message from electronic contract text, and by the conjunction
It is shown in key message on the video record interface;
Operation judging unit is confirmed, for judging whether the confirmation operation that user is carried out according to prompt message is correct;
Video processing unit, when the confirmation operation for being carried out as user according to prompt message is correct, terminate video record
And preserve recorded video information;
Valid contract generates judging unit, for obtaining electronic signature data, is according to electronic signature data judgement
No generation valid contract text.
The third aspect of the embodiment of the present invention provides a kind of terminal, including:
Memory, processor and it is stored in the computer journey that can be run in the memory and on the processor
Sequence, wherein, realize that the electronics that the first aspect of the embodiment of the present invention provides closes described in the computing device during computer program
The step of with signature method.
Wherein, the computer program includes:
Camera start unit, for the camera of starting device terminal, start video record into video record interface;
Contract key message extraction unit, for extracting contract key message from electronic contract text, and by the conjunction
It is shown in key message on the video record interface;
Operation judging unit is confirmed, for judging whether the confirmation operation that user is carried out according to prompt message is correct;
Video processing unit, when the confirmation operation for being carried out as user according to prompt message is correct, terminate video record
And preserve recorded video information;
Valid contract generates judging unit, for obtaining electronic signature data, is according to electronic signature data judgement
No generation valid contract text.
The fourth aspect of the embodiment of the present invention provides a kind of computer-readable recording medium, the computer-readable storage
Media storage has computer program, wherein, the computer program realizes the first of the embodiment of the present invention when being executed by processor
The step of electronic contract signature method that aspect provides.
Wherein, the computer program includes:
Camera start unit, for the camera of starting device terminal, start video record into video record interface;
Contract key message extraction unit, for extracting contract key message from electronic contract text, and by the conjunction
It is shown in key message on the video record interface;
Operation judging unit is confirmed, for judging whether the confirmation operation that user is carried out according to prompt message is correct;
Video processing unit, when the confirmation operation for being carried out as user according to prompt message is correct, terminate video record
And preserve recorded video information;
Valid contract generates judging unit, for obtaining electronic signature data, is according to electronic signature data judgement
No generation valid contract text.
Existing beneficial effect is the embodiment of the present invention compared with prior art:By the camera of starting device terminal,
After starting video record into video record interface, the contract key message extracted from electronic contract text is included in video
On recording interface, and recorded video information is preserved after user is correctly completed confirmation operation according to prompt message, obtain electricity
Sub- signed data, judged whether to generate valid contract text according to the electronic signature data, realize and make the video information
To ensure the original proof evidence retained during financial product trading, the security of financial transaction process and reliable is improved
Property, and improve Consumer's Experience.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
In the required accompanying drawing used be briefly described, it should be apparent that, drawings in the following description be only the present invention some
Embodiment, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these
Accompanying drawing obtains other accompanying drawings.
Fig. 1 is a kind of implementation process figure of electronic contract signature method provided in an embodiment of the present invention;
Fig. 2 be it is provided in an embodiment of the present invention it is a kind of judge that user is carried out according to prompt message confirmation operation it is whether correct
Method specific implementation flow chart;
Fig. 3 is a kind of side for judging whether to send the prompt message for restarting video record provided in an embodiment of the present invention
The specific implementation flow chart of method;
Fig. 4 is that another kind provided in an embodiment of the present invention judges whether to send the prompt message for restarting video record
The specific implementation flow chart of method;
Fig. 5 is that another kind provided in an embodiment of the present invention judges whether to send the prompt message for restarting video record
The specific implementation flow chart of method;
Fig. 6 is a kind of schematic diagram of electronic contract signature system provided in an embodiment of the present invention;
Fig. 7 is a kind of schematic diagram of terminal provided in an embodiment of the present invention.
Embodiment
In describing below, in order to illustrate rather than in order to limit, it is proposed that such as tool of particular system structure, technology etc
Body details, thoroughly to understand the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention can also be realized in the other embodiments of details.In other situations, omit to well-known system, device, electricity
Road and the detailed description of method, in case unnecessary details hinders description of the invention.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.It refer to Fig. 1,
Fig. 1 shows a kind of implementation process of electronic contract signature method provided in an embodiment of the present invention, and details are as follows:
In step S101, the camera of starting device terminal, start video record into video record interface.
In embodiments of the present invention, device end can be fixed in position in bank be used for carry out financial product transaction
, device end or the intelligent mobile terminal held of bank sales force that there is camera, do not do specific limit here
It is fixed.
In step s 102, contract key message is extracted from electronic contract text, and the contract key message is shown
Show on the video record interface.
In embodiments of the present invention, electronic contract text can be electronic contract text to be signed, or sign
The electronic contract text of administration, depending on the generation opportunity of valid contract text.
It is understood that electronic contract text to be signed is the electronic contract text of Pending The Entry Into Force, i.e., do not possess law
The contract text of effect, also referred to as rough draft contract text;Signed electronic contract text is executed electronic contract text,
Possess the contract text of legal effect, also referred to as valid contract text.When carrying out video record, contract key message is extracted
Electronic contract text be not limited to electronic contract text to be signed or signed electronic contract text, that is to say, that electricity
The signature of sub- contract text can completed before video record or completed after video record.
Herein, after video record interface is entered, electronic contract signature system extracts contract from electronic contract text
Key message such as customer name, the financial product handled, the specifying information etc. of the financial product, and believe the contract is crucial
Breath is shown on the video record interface.
Specifically, the video record interface can be divided into two viewing areas, one of viewing area is used to show
The contract key message, in order to which user can clearly check the contract key message;Another viewing area is used for
The image information such as head image information or action message of user is shown, in order to record the confirmation operation for gathering the user.Can be with
Understand, during video record, the video information recorded can be included shown by above-mentioned two viewing area
Content, the viewing area for being used to show the image information of user can also be only included, is not specifically limited here.
It is understood that the viewing area that eyesight recording interface is divided can be only one, or several,
Depending on the quantity that can be specifically divided according to the video content of required recording, it is not specifically limited here.Such as should at one
With in scene, the customer information of contract key message is divided in a viewing area, the finance in contract key message is produced
Product information is divided in another viewing area, and the image information related to client is divided in into another viewing area.
Herein, in order to ensure the image information of user such as head image information can among the picture of its viewing area,
Also include head portrait recognition unit, for realizing following steps:
Obtain the head portrait image information in video record interface;
Judge whether the head portrait in the head portrait image information is in the centre position of the viewing area;
If the head portrait in the head portrait image information is not in the centre position of the viewing area, position adjustment is sent
Information with remind user carry out position adjustment.
Herein, the content of contract key message has due to being limited by the screen size of used terminal device
It can not may disposably be fully displayed in its viewing area, can be shown the contract key message with other display modes
Show in its viewing area, for example with scrolling display mode, barrage display mode etc.;It can also be shown with fixing display mode
The content of most important contract key message, laterally or longitudinally scroll the content of other contract key messages.Here it is right
The mode that is particularly shown of contract key message is not specifically limited.
In step s 103, judge whether the confirmation operation that user is carried out according to prompt message is correct.
In embodiments of the present invention, the authenticity during being signed for contract of guarantee so that the contract can embody visitor
The actual wishes at family, and be by client itself rather than other people confirm signature contract, during video record, electricity
Sub- contract signature system sends prompt message and confirms operation to guide user to carry out to judge whether contract signature action can be anti-
Reflect the actual wishes of client.
Herein, the word message or set by terminal that prompt message can be shown on video record interface
The voice messaging that standby voice module is sent, is not specifically limited here.
It is understood that the prompt message can be the prompt message pre-set or what is generated at random carry
Show information, or from system database random selection prompt message, be not specifically limited here.
Herein, confirming that operation includes contract key message and reads aloud action, limb action is such as nodded, bowed, rotary head,
Screen taps action carried out on screen according to prompting etc., is not specifically limited here.
It is understood that above-mentioned confirmation operates carried out number can be only only once or repeatedly,
The number for the confirmation operation that user is carried out in embodiments of the present invention and is not specifically limited in namely institute step S103.When
When the confirmation number of operations that user is carried out is more than one time, in order to ensure the continuity of video record, judging user according to carrying
When showing that the confirmation operation that information is carried out is correct, carry out keeping video record until the confirmation operation of last time is correctly completed;Only
Will be when judging confirmation operating mistake that user is carried out according to prompt message, the prompting for restarting video record with regard to sending is believed
Breath, and terminate the video currently recorded.
In step S104, when the confirmation operation that user is carried out according to prompt message is correct, terminates video record and protect
Deposit recorded video information.
In embodiments of the present invention, when user carries out confirming operation according to prompt message and is correctly completed confirmation operation
When, if also next prompt message, after performing step S103 again until user is correctly completed all confirmation operations, terminate
Video record, and recorded video information is preserved to be used as the original proof evidence in financial product process of exchange.
It is understood that in different application scenarios, the video information recorded can only include the head portrait of user
Image information and voice messaging, contract key message can also be included simultaneously, is not specifically limited here.
In step S105, electronic signature data is obtained, is judged whether to generate effective conjunction according to the electronic signature data
Same text.
In embodiments of the present invention, electronic signature data is to sign certification (ca authentication) flow according to existing third party, right
Electronic contract text carries out signing the data that certification is generated.
Herein, electronic signature data includes but is not limited to contract signature identifying code, customer information etc..
Specifically, after electronic signature data is obtained, electronic contract signature system is according to electronic signature data judgement
The no signature certification for being correctly completed the electronic contract text, when it is determined that being correctly completed the signature of the electronic contract text
During certification, valid contract text is generated.
Herein, above-mentioned steps S105 is specifically as follows:
Generation contract is signed identifying code and sent to default terminal, and electronics is generated according to the feedback information of the default terminal
Signed data;
Judged whether to generate valid contract text according to the electronic signature data.
In embodiments of the present invention, contract signature identifying code customer information, contract text can generate at random according to
First identifying code, for example can be the value obtained by Hash calculation;Can also be according to customer information, contract text and
The second identifying code that video information generates at random.
Herein, mobile terminal used in the phone number that mobile terminal is the client provided in customer information is preset,
The mobile terminal that i.e. client is held.
When contract signature identifying code is the first identifying code, i.e., the identifying code generated at random according to customer information, contract text
When, step S105 is completed before step S101, at this moment, when the client for holding the default terminal provides correct identifying code
When, that is, it is considered as client and agrees to sign the contract text, secures contract text during signature state, realize with legal effect
Electronic signature contract.The video information subsequently recorded is as proving, to prove that client knows the content of signed electronic contract,
And be the expression of its true intention, by retain the video information be used as ensure to be retained during financial product trading it is original
Evidence is proved, improves the safety and reliability of financial transaction process, and improve Consumer's Experience.
Preferably, in order to further improve the safety and reliability during financial transaction, said contract signature is verified
Code can also be the 3rd identifying code obtained according to the first identifying code, contract text, video information by second of Hash calculation.
It is the second identifying code to sign identifying code when contract, i.e., is given birth at random according to customer information, contract text and video information
Into identifying code when, step S105 is completed after step s 104, at this moment, when the client for holding the default terminal provides just
During true identifying code, that is, it is considered as client and agrees to sign the contract text, secure contract text during signature state, realization has
The electronic signature contract of legal effect.The video information recorded with contract text, customer information together as evidence, to prove
Client knows the content of signed electronic contract, and is the expression of its true intention, is used as guarantor by retaining the video information
The original proof evidence that is retained in card financial product process of exchange, further increase financial transaction process security and can
By property, and improve Consumer's Experience.
In an application scenarios, sales force fills in customer information such as customer name in electronic contract signature system
Word, phone number, ID card information, the information by stages etc. of the financial product of expected purchase and the financial product, by electricity after submission
After sub- contract signature system, after the affiliated company's examination & verification of the sales force, text to be signed a contract is generated, then by electronic contract label
The contract signature identifying code generated according to text to be signed a contract is sent on the phone number of client by administration's system, in order to
The contract signature identifying code provided according to client judges whether to generate valid contract text.After valid contract text is generated, carry
Take the contract key message of the valid contract text to be shown on video record interface, generation video is operated according to the confirmation of user
Information, the valid contract text and video information are associated and preserved to be used as the original retained in financial product process of exchange
Begin to prove evidence.
In another application scenarios, sales force fills in customer information such as customer name in electronic contract signature system
Word, phone number, ID card information, the information by stages etc. of the financial product of expected purchase and the financial product, by electricity after submission
After sub- contract signature system, after the affiliated company's examination & verification of the sales force, text to be signed a contract is generated, and will be closed from signature is treated
It is shown in the contract key message extracted in text on video record interface, generation video letter is operated according to the confirmation of user
Breath, then visitor is sent to according to text to be signed a contract and video information generation contract signature identifying code by electronic contract signature system
, will in order to which the contract signature identifying code provided according to client judges whether to generate valid contract text on the phone number at family
The valid contract text and video information, which are associated, to be preserved to be used as the original proof retained in financial product process of exchange
Evidence.
In embodiments of the present invention, by the camera of starting device terminal, video record is started into video record interface
After system, the contract key message extracted from electronic contract text is included on video record interface, and in user according to carrying
Show that information preserves recorded video information after being correctly completed confirmation operation, electronic signature data is obtained, according to the electronics label
Concrete number is realized using the video information as ensureing institute during financial product trading it is judged that whether generate valid contract text
The original proof evidence retained, improves the safety and reliability of financial transaction process, and improve Consumer's Experience.
Specifically, in embodiments of the present invention, there is provided one kind as shown in Figure 2, which is realized, judges user's root in step S103
According to prompt message carry out confirmation operation whether the idiographic flow of correct method:
In step s 201, it is random to generate prompt message to instruct user to carry out confirmation operation during video record.
In step S202, judge whether is motion action that the confirmation operation that user carried out includes with the prompt message
Unanimously.
In step S203, when the confirmation operation that user is carried out is consistent with the motion action that the prompt message includes
When, determine that the confirmation that user is carried out according to prompt message operates correctly.
In step S204, when what user was carried out confirms that operation and the motion action that the prompt message includes are inconsistent
When, determine that the confirmation operation that user is carried out according to prompt message is incorrect.
In embodiments of the present invention, by including the current confirmation the to be carried out action of instruction user in prompt message
Relevant information, when by judging that the confirmation operation that user is carried out is consistent with the motion action that prompt message includes, substantially may be used
To confirm that user has currently carried out corresponding confirmation operation according to prompt message, it ensure that user currently makes really
It is action that user is carried out according to prompt message to recognize operation, and to avoid it be the video recorded in advance and can not represent user's
Actual wishes, hidden some dangers for for follow-up financial disputes, realize the safety and reliability of financial transaction process, improve user's body
Test.
Preferably, in order to ensure that the confirmation operation that user carried out is that oneself does according to the prompting of electronic contract signature system
Go out, rather than according to other people as sales force guiding its acted accordingly, avoid user in fact and do not know about it
The business tine currently handled and being directed does the confirmation action to make mistake, such as user and after not knowing about a certain loan
Fruit, and video record is completed under the voice guide of sales force, lead to not protect oneself when deuterogenesis's dispute
Legitimate rights and interests.One kind as shown in Figure 3 is additionally provided in the embodiment of the present invention and judges whether that transmission restarts video record
Prompt message method specific implementation flow:
In step S301, when detecting the prompt message, determine whether that voice messaging inputs.
In step s 302, when there is voice messaging input, judge whether the voice messaging is deposited with the prompt message
Associating.
In step S303, when the voice messaging exists with the prompt message to be associated, transmission restarts video
The prompt message of recording.
In embodiments of the present invention, voice messaging exists to associate to specifically refer to include in voice messaging with prompt message and carried
Show the content of information, or the voice messaging is consistent with the content of prompt message.By judging that voice messaging is deposited with prompt message
Identify that user is to carry out video record under the guiding at others in association, so as to which break of video is recorded, to ensure user's energy
The financial business oneself currently handled enough is had a clear understanding of, avoids recorded video from not having the actual wishes for expressing user,
Hidden some dangers for for follow-up financial disputes, realize the safety and reliability of financial transaction process, improve Consumer's Experience.
Herein, step S302's is specially:
When there is voice messaging input, by the voice messaging compared with the prompt message, according to default
Whether associated with both threshold decisions;
Or
When there is voice messaging input, by the voice messaging compared with the prompt message, both are calculated
With value, and by it compared with default matching threshold, the first comparative result is obtained;
The first voice duration of the voice messaging and the second voice duration of the prompt message are obtained, and calculates both
Duration difference, by the duration difference compared with default duration threshold value, obtain the second comparative result;
The voice messaging and the prompt message are judged whether according to first comparative result and the second comparative result
Whether associate.
It is understood that the first comparative result and the second comparative result include both associations, or both the ratio that does not associate
Relatively result, when the first comparative result and the second comparative result are association, it is possible to judge that voice messaging closes with prompt message
Connection, further improve the accuracy that association judges.
Preferably, another kind as shown in Figure 4 is additionally provided in the embodiment of the present invention and judges whether that transmission restarts to regard
The specific implementation flow of the method for the prompt message that frequency is recorded:
In step S401, during video record, the voice messaging of extraction user's input.
In step S402, by the voice messaging compared with the contract key message, the voice letter is judged
Whether breath matches with the contract information.
In step S403, when the voice messaging and contract key message mismatch, transmission restarts to regard
The prompt message that frequency is recorded.
During video record, when the confirmation operation that user is carried out is read aloud for contract key message, in order to avoid
The video information recorded is recorded in advance, or user not read aloud, it is necessary to ought as agreed by key message
With judgement, whether both match preceding voice messaging compared with contract key message, so as to confirm whether the video is prior
Record, avoid substituting the actual sound of user in the form of recording;Or avoid because user is not crucial as agreed
Information come read aloud and cause evidence retain not entirely so as to ensure that the safety and reliability during financial transaction, improve use
Experience at family.
Preferably, another kind as shown in Figure 5 is additionally provided in the embodiment of the present invention and judges whether that transmission restarts to regard
The specific implementation flow of the method for the prompt message that frequency is recorded:
In step S501, during video record, background sound information and the generation pair of the video information are extracted
The the first background vocal print feature answered;
In step S502, when the voice messaging and the contract key information match, identify and extract institute's predicate
Second background vocal print feature corresponding to background sound information and generation in message breath;
In step S503, by the first background vocal print feature compared with the second background vocal print feature, sentence
It is disconnected that whether both match;
In step S504, when the first background vocal print feature and the second background vocal print feature mismatch, hair
Send the prompt message for restarting video record.
During video record, when the confirmation operation that user is carried out is read aloud for contract key message, in order to avoid
The video information recorded records in advance, before user reads aloud contract key message, the recorded video letter of extraction
First background vocal print feature corresponding to the background sound information of breath and generation, contract key message when institute is being read aloud by itself and user
Second background vocal print feature corresponding to background sound information generation in the voice messaging of collection is compared
No matching, so as to confirm whether the video records in advance, avoid substituting the true sound of user in the form of recording
Sound, the safety and reliability during financial transaction is ensure that, improves Consumer's Experience.Preferably, in order to effectively be stored in
Original proof evidence formed in the financial product process of exchange, after step S105, also include:
The valid contract text and the video information synchronous transfer to server are stored.
Herein, server includes but is not limited to home server, cloud server.
It is understood that it is bigger for the data relative efficiency contract text included by video information, entering
In row transmitting procedure, network sky can also detected with valid contract text described in real-time Transmission and the video information
The valid contract text and the video information are transmitted when not busy, or is had described in other time tranfers set in advance
Contract text and the video information are imitated, is not specifically limited here.
It should be understood that the size of the sequence number of each step is not meant to the priority of execution sequence, each process in above-described embodiment
Execution sequence should determine that the implementation process without tackling the embodiment of the present invention forms any limit with its function and internal logic
It is fixed.
Method is signed corresponding to a kind of electronic contract described in foregoing embodiments, Fig. 6 shows that the embodiment of the present invention provides
A kind of electronic contract signature system schematic diagram, for convenience of description, illustrate only the part related to the embodiment of the present invention.
Reference picture 6, the system include:
Camera start unit 61, for the camera of starting device terminal, start video record into video record interface
System;
Contract key message extraction unit 62, for extracting contract key message from electronic contract text, and by described in
Contract key message is shown on the video record interface;
Operation judging unit 63 is confirmed, for judging whether the confirmation operation that user is carried out according to prompt message is correct;
Video processing unit 64, when the confirmation operation for being carried out as user according to prompt message is correct, terminate video record
Make and preserve recorded video information;
Valid contract generates judging unit 65, for obtaining electronic signature data, is judged according to the electronic signature data
Whether valid contract text is generated.
Preferably, the confirmation operation judging unit 63 includes:
Prompt message generates subelement, for during video record, generating prompt message at random to instruct user to enter
Row confirms operation;
Motion action judgment sub-unit, for judging that the confirmation operation that user is carried out is moved with what the prompt message included
Whether consistent operate;
First operation acknowledgement subelement, the action that the confirmation operation for being carried out as user includes with the prompt message
When operating consistent, determine that the confirmation that user is carried out according to prompt message operates correctly;
Second operation acknowledgement subelement, the action that the confirmation operation for being carried out as user includes with the prompt message
When operating inconsistent, determine that the confirmation operation that user is carried out according to prompt message is incorrect.
Preferably, the confirmation operation judging unit 63 also includes:
Voice messaging inputs judgment sub-unit, for when detecting the prompt message, determining whether voice messaging
Input;
Judgment sub-unit is associated, for when there is voice messaging input, judging the voice messaging and the prompt message
With the presence or absence of association;
First prompt message transmission sub-unit, for when the voice messaging and the prompt message are not present and associated,
Send the prompt message for restarting video record.
Preferably, the confirmation operation judging unit 63 also includes:
Voice messaging extracts subelement, for the voice messaging that during video record, extraction user inputs;
Match comparing subunit, for by the voice messaging compared with the contract key message, described in judgement
Whether voice messaging matches with the contract information;
Second prompt message transmission sub-unit, for when the voice messaging and the contract key message mismatch,
Send the prompt message for restarting video record.
Preferably, the matching comparing subunit includes:
First background sound information processing subelement, for during video record, extracting the back of the body of the video information
First background vocal print feature corresponding to scape acoustic information and generation;
Second background sound information processing subelement, when the voice messaging and the contract key information match, know
Not and extract the background sound information in the voice messaging and generate corresponding to the second background vocal print feature;
Vocal print feature matching judgment subelement, for the first background vocal print feature and the second background vocal print is special
Sign is compared, and judges whether both match;
3rd prompt message transmission sub-unit, for when the first background vocal print feature and the second background vocal print spy
When sign mismatches, the prompt message for restarting video record is sent.
Preferably, the system also includes:
Synchronous transfer unit, for the valid contract text and the video information synchronous transfer to server to be carried out
Storage.
Fig. 7 is a kind of schematic diagram for terminal that one embodiment of the invention provides.As shown in fig. 7, the terminal 7 of the embodiment is wrapped
Include:Processor 70, memory 71 and it is stored in the computer that can be run in the memory 71 and on the processor 70
Program 72.The processor 70 is realized when performing the computer program 72 in above-mentioned each electronic contract signature embodiment of the method
The step of, such as step 101 shown in Fig. 1 is to 105.Or the processor 70 is realized when performing the computer program 72
The function of each unit in above-mentioned each device embodiment, such as the function of module 61 to 63 shown in Fig. 6.
Exemplary, the computer program 72 can be divided into one or more units, one or more of
Unit is stored in the memory 71, and is performed by the processor 70, to complete the present invention.One or more of lists
Member can complete the series of computation machine programmed instruction section of specific function, and the instruction segment is used to describe the computer journey
Implementation procedure of the sequence 72 in the terminal 7.For example, the computer program 72 can be divided into camera start unit
61st, contract key message extraction unit 62, confirmation operation judging unit 63, video processing unit 64, valid contract generation judge
Unit 65, each unit concrete function are as follows:
Camera start unit 61, for the camera of starting device terminal, start video record into video record interface
System;
Contract key message extraction unit 62, for extracting contract key message from electronic contract text, and by described in
Contract key message is shown on the video record interface;
Operation judging unit 63 is confirmed, for judging whether the confirmation operation that user is carried out according to prompt message is correct;
Video processing unit 64, when the confirmation operation for being carried out as user according to prompt message is correct, terminate video record
Make and preserve recorded video information;
Valid contract generates judging unit 65, for obtaining electronic signature data, is judged according to the electronic signature data
Whether valid contract text is generated.
The terminal 7 can be the terminal devices such as desktop PC, notebook, palm PC and smart mobile phone.It is described
Terminal 7 may include, but be not limited only to, processor 70, memory 71.It will be understood by those skilled in the art that Fig. 7 is only terminal
The restriction of 7 example, not structure paired terminal 7, it can include than illustrating more or less parts, or some portions of combination
Part, or different parts, such as the terminal can also include input-output equipment, network access equipment, bus etc..
Alleged processor 70 can be CPU (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other PLDs, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng.
The memory 71 can be the internal storage unit of the terminal 7, such as the hard disk or internal memory of terminal 7.It is described
Memory 71 can also be the External memory equipment of the terminal 7, such as the plug-in type hard disk being equipped with the terminal 7, intelligence
Storage card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card)
Deng.Further, the memory 71 can also both include the internal storage unit of the terminal 7 or be set including external storage
It is standby.The memory 71 is used to store the computer program and other programs and data needed for the terminal.It is described to deposit
Reservoir 71 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each work(
Can unit, module division progress for example, in practical application, can be as needed and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device are divided into different functional units or module, more than completion
The all or part of function of description.Each functional unit, module in embodiment can be integrated in a processing unit, also may be used
To be that unit is individually physically present, can also two or more units it is integrated in a unit, it is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.In addition, each function list
Member, the specific name of module are not limited to the protection domain of the application also only to facilitate mutually distinguish.Said system
The specific work process of middle unit, module, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, and is not described in detail or remembers in some embodiment
The part of load, it may refer to the associated description of other embodiments.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, application-specific and design constraint depending on technical scheme.Professional and technical personnel
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed device/terminal device and method, can be with
Realize by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of division of logic function, there can be other dividing mode when actually realizing, such as
Multiple units or component can combine or be desirably integrated into another system, or some features can be ignored, or not perform.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be by some interfaces, device
Or INDIRECT COUPLING or the communication connection of unit, can be electrical, mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.Above-mentioned integrated list
Member can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If the integrated module/unit realized in the form of SFU software functional unit and as independent production marketing or
In use, it can be stored in a computer read/write memory medium.Based on such understanding, the present invention realizes above-mentioned implementation
All or part of flow in example method, by computer program the hardware of correlation can also be instructed to complete, described meter
Calculation machine program can be stored in a computer-readable recording medium, and the computer program can be achieved when being executed by processor
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or some intermediate forms etc..The computer-readable medium
It can include:Any entity or device, recording medium, USB flash disk, mobile hard disk, the magnetic of the computer program code can be carried
Dish, CD, computer storage, read-only storage (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It is it should be noted that described
The content that computer-readable medium includes can carry out appropriate increasing according to legislation in jurisdiction and the requirement of patent practice
Subtract, such as in some jurisdictions, electric carrier signal and electricity are not included according to legislation and patent practice, computer-readable medium
Believe signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations;Although with reference to foregoing reality
Example is applied the present invention is described in detail, it will be understood by those within the art that:It still can be to foregoing each
Technical scheme described in embodiment is modified, or carries out equivalent substitution to which part technical characteristic;And these are changed
Or replace, the essence of appropriate technical solution is departed from the spirit and scope of various embodiments of the present invention technical scheme, all should
Within protection scope of the present invention.
Claims (10)
1. a kind of electronic contract signs method, it is characterised in that methods described includes:
The camera of starting device terminal, start video record into video record interface;
Contract key message is extracted from electronic contract text, and the contract key message is included in video record circle
On face;
Judge whether the confirmation operation that user is carried out according to prompt message is correct;
When the confirmation operation that user is carried out according to prompt message is correct, terminates video record and preserve recorded video letter
Breath;
Electronic signature data is obtained, is judged whether to generate valid contract text according to the electronic signature data.
2. the method as described in claim 1, it is characterised in that the confirmation for judging that user is carried out according to prompt message operates
Whether correct step, including:
It is random to generate prompt message to instruct user to carry out confirmation operation during video record;
Judge whether the motion action for confirming to operate and the prompt message includes that user is carried out is consistent;
When the confirmation operation that user is carried out is consistent with the motion action that the prompt message includes, determine user according to prompting
The confirmation operation that information is carried out is correct;
When the motion action that the confirmation operation that user is carried out is included with the prompt message is inconsistent, determine user according to carrying
Show that the confirmation operation that information is carried out is incorrect.
3. method as claimed in claim 1 or 2, it is characterised in that carried out really according to prompt message in the judgement user
Operation is recognized whether in correct step, in addition to:
When detecting the prompt message, determine whether that voice messaging inputs;
When there is voice messaging input, judge that the voice messaging whether there is with the prompt message and associate;
When the voice messaging is not present with the prompt message to be associated, the prompt message for restarting video record is sent.
4. method as claimed in claim 1 or 2, it is characterised in that carried out really according to prompt message in the judgement user
Operation is recognized whether in correct step, in addition to:
During video record, the voice messaging of extraction user's input;
By the voice messaging compared with the contract key message, judge that the voice messaging is with the contract information
No matching;
When the voice messaging and the contract key message mismatch, the prompt message for restarting video record is sent.
5. method as claimed in claim 4, it is characterised in that judge the voice messaging and the crucial letter of the contract described
In the step of whether breath matches, in addition to:
During video record, extract the background sound information of the video information and the first background vocal print corresponding to generating is special
Sign;
When the voice messaging and the contract key information match, identify and extract the background sound in the voice messaging
Second background vocal print feature corresponding to information and generation;
By the first background vocal print feature compared with the second background vocal print feature, judge whether both match;
When the first background vocal print feature and the second background vocal print feature mismatch, transmission restarts video record
Prompt message.
6. the method as described in claim 1, it is characterised in that in the acquisition electronic signature data, according to the electronics label
Concrete number it is judged that after the step of whether generating valid contract text, in addition to:
The valid contract text and the video information synchronous transfer to server are stored.
7. a kind of electronic contract signature system, it is characterised in that the system includes:
Camera start unit, for the camera of starting device terminal, start video record into video record interface;
Contract key message extraction unit, for extracting contract key message from electronic contract text, and the contract is closed
Key information is shown on the video record interface;
Operation judging unit is confirmed, for judging whether the confirmation operation that user is carried out according to prompt message is correct;
Video processing unit, when the confirmation operation for being carried out as user according to prompt message is correct, terminates video record and protect
Deposit recorded video information;
Valid contract generates judging unit, for obtaining electronic signature data, judges whether to give birth to according to the electronic signature data
Into valid contract text.
8. system as claimed in claim 7, it is characterised in that the confirmation operation judging unit includes:
Prompt message generates subelement, for during video record, random generation prompt message to be true to instruct user to carry out
Recognize operation;
Motion action judgment sub-unit, for judging that user the confirmation operation carried out and the action that the prompt message includes are grasped
Whether consistent make;
First operation acknowledgement subelement, the motion action that the confirmation operation for being carried out as user includes with the prompt message
When consistent, determine that the confirmation that user is carried out according to prompt message operates correctly;
Second operation acknowledgement subelement, the motion action that the confirmation operation for being carried out as user includes with the prompt message
When inconsistent, determine that the confirmation operation that user is carried out according to prompt message is incorrect.
9. a kind of terminal, including memory, processor and it is stored in the memory and can runs on the processor
Computer program, it is characterised in that described in the computing device during computer program realize as claim 1 to 7 it is any
The step of item electronic contract signature method.
10. a kind of computer-readable recording medium, the computer-readable recording medium storage has computer program, and its feature exists
In realizing the electronic contract signature method as described in any one of claim 1 to 7 when the computer program is executed by processor
Step.
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CN108845981A (en) * | 2018-06-15 | 2018-11-20 | 中金金融认证中心有限公司 | A kind of method and device generating contract template |
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CN112818300A (en) * | 2021-01-21 | 2021-05-18 | 深圳壹账通智能科技有限公司 | Electronic contract generating method and device, computer equipment and storage medium |
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