CN107844949A - Generation method, device, portable terminal device and the server of consumptive loan electronic contract - Google Patents
Generation method, device, portable terminal device and the server of consumptive loan electronic contract Download PDFInfo
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- CN107844949A CN107844949A CN201711008602.1A CN201711008602A CN107844949A CN 107844949 A CN107844949 A CN 107844949A CN 201711008602 A CN201711008602 A CN 201711008602A CN 107844949 A CN107844949 A CN 107844949A
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- Prior art keywords
- server
- consumptive loan
- electronic contract
- consumptive
- borrower
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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
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/44—Program or device authentication
- G06F21/445—Program or device authentication by mutual authentication, e.g. between devices or programs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
-
- 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
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
- G06Q30/0185—Product, service or business identity fraud
-
- 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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/18—Legal services; Handling legal documents
- G06Q50/188—Electronic negotiation
Abstract
The present invention is applied to financial field, there is provided a kind of generation method, device, portable terminal device and the server of consumptive loan electronic contract.Methods described includes：Portable terminal device receives the application information of the consumptive loan of input；Portable terminal device sends the application information of the consumptive loan to server, to be examined by server to the application information of the consumptive loan, after examination ＆ approval pass through, the contact method for including the message of random verification code and the main points of consumptive loan contract to borrower is sent by server；Portable terminal device receives the random verification code of input；Portable terminal device sends random verification code to server, after receiving correct random verification code by server, generates consumptive loan electronic contract.The method of the present invention can allow borrower to understand consumptive loan contract, understand the rights and duties of borrower, and the consumptive loan electronic contract generated must be the legitimate rights and interests that borrower can be ensured through borrower's self acknowledging.
Description
Technical field
The invention belongs to financial field, more particularly to a kind of generation method of consumptive loan electronic contract, device, portable end
End and server.
Background technology
Consumptive loan refers to that bank or other consumer finance companies take credit, mortgage, pledge guarantee or ensure mode, with
The credit that commodity-type money-form provides the consumer with.
Consumer finance company can produce substantial amounts of contract documents daily, in a conventional manner, complete post sales, to borrow in commodity
Money people, consumer finance company representative of sales ＆ marketing and business representative are required for signing on contract, need to post in contract after the completion of signature
Achieved toward general headquarters of consumer finance company.Therefore, the mailing of papery contract, file, transfer the files can all bring extra-pay and
Management cost, and Consumer's Experience is also very poor.《People's Republic of China's law of electronic signature》Promulgation cause consumptive loan electronics
Contract is possibly realized with no paper at all.
Existing electronic contract signing system, mostly all by the way of handwritten signature, because being related to borrower, consumption
Financing corporation representative of sales ＆ marketing and business representative are signed, and many consumer finance company representatives of sales ＆ marketing occur to pursue sales volume
Representative of sales ＆ marketing replaces the situation that borrower is signed, and the solution electronic contract signer that has no idea is exactly asking for borrower
Topic.So that the legitimate rights and interests of borrower can not be ensured, it could even be possible to cause huge economic losses to borrower, meanwhile, also pole
The big normal order for disturbing lending market.
The content of the invention
It is an object of the invention to provide a kind of generation method of consumptive loan electronic contract, device, computer-readable deposit
Storage media, portable terminal device and server, it is intended to solve existing electronic contract signing system and have no idea solve electronic contract label
Affix one's name to the problem of people is exactly borrower.
In a first aspect, the invention provides a kind of generation method of consumptive loan electronic contract, methods described includes：
Portable terminal device receives the application information of the consumptive loan of input；
Portable terminal device sends the application information of the consumptive loan to server, with by server to the consumptive loan
Application information is examined, and after examination ＆ approval pass through, being sent by server includes random verification code and the main points of consumptive loan contract
Message to borrower contact method；
Portable terminal device receives the random verification code of input；
Portable terminal device sends random verification code to server, raw after receiving correct random verification code by server
Into consumptive loan electronic contract.
Second aspect, the invention provides a kind of generating means of consumptive loan electronic contract, applied to portable terminal device, institute
Stating device includes：
First receiving module, the application information of the consumptive loan for receiving input；
First sending module, for sending the application information of the consumptive loan to server, with by server to described
The application information of consumptive loan is examined, and after examination ＆ approval pass through, being sent by server includes random verification code and consumptive loan conjunction
With main points message to borrower contact method；
Second receiving module, for receiving the random verification code of input；
Second sending module, for sending random verification code to server, correctly tested at random with being received by server
After demonstrate,proving code, consumptive loan electronic contract is generated.
The third aspect, the invention provides a kind of computer-readable recording medium, the computer-readable recording medium is deposited
Computer program is contained, the computer program realizes the generation of consumptive loan electronic contract described above when being executed by processor
The step of method.
Fourth aspect, the invention provides a kind of portable terminal device, including：One or more processors；Memory；And one
Individual or multiple computer programs, wherein one or more of computer programs are stored in the memory, and by with
It is set to by one or more of computing devices, realizes consumption described above described in the computing device during computer program
The step of generation method of loan electronic contract.
5th aspect, the invention provides a kind of generation method of consumptive loan electronic contract, methods described includes：
Server is examined to the application information of consumptive loan, and the application information of the consumptive loan is by portable terminal device
Server is sent to after receiving the application information of the consumptive loan of input；
If examination ＆ approval pass through, server, which is sent, includes the message of random verification code and the main points of consumptive loan contract to borrowing
The contact method of money people, to receive the random verification code of input by portable terminal device and be sent to server；
After server receives correct random verification code, consumptive loan electronic contract is generated.
6th aspect, it is described applied to server the invention provides a kind of generating means of consumptive loan electronic contract
Device includes：
Approval module, for being examined to the application information of consumptive loan, the application information of the consumptive loan be by
Portable terminal device is sent to server after receiving the application information of the consumptive loan of input；
3rd sending module, if passed through for examining, sending includes wanting for random verification code and consumptive loan contract
The message of point with the random verification code inputted by portable terminal device reception and is sent to server to the contact method of borrower；
Contract generation module, after receiving correct random verification code, generate consumptive loan electronic contract.
7th aspect, the invention provides a kind of computer-readable recording medium, the computer-readable recording medium is deposited
Computer program is contained, the computer program realizes the generation of consumptive loan electronic contract described above when being executed by processor
The step of method.
Eighth aspect, the invention provides server, including：One or more processors；Memory；And one or more
Individual computer program, wherein one or more of computer programs are stored in the memory, and be configured to by
One or more of computing devices, consumptive loan electricity described above is realized described in the computing device during computer program
The step of generation method of sub- contract.
In the present invention, after passing through due to server to the application information examination ＆ approval of consumptive loan, transmission includes accidental validation
Code and consumptive loan contract main points message to borrower contact method；Server receives correct random verification code
Afterwards, consumptive loan electronic contract is generated.Therefore borrower will appreciate that consumptive loan contract, understand the rights and duties of borrower,
And consumptive loan electronic contract must be the legitimate rights and interests that borrower can be ensured through borrower's self acknowledging.
Brief description of the drawings
Fig. 1 is the flow chart of the generation method for the consumptive loan electronic contract that the embodiment of the present invention one provides.
Fig. 2 is borrower, the consumer finance company/consumer finance company representative of sales ＆ marketing shown in consumptive loan electronic contract
With the name schematic diagram of businessman/business representative.
Fig. 3 is the flow after S107 in the generation method for the consumptive loan electronic contract that the embodiment of the present invention one provides
Figure.
Fig. 4 is the flow after S104 in the generation method for the consumptive loan electronic contract that the embodiment of the present invention one provides
Figure.
Fig. 5 is the functional block diagram of the generating means for the consumptive loan electronic contract that the embodiment of the present invention two provides.
Fig. 6 is the concrete structure block diagram for the portable terminal device that the embodiment of the present invention four provides.
Fig. 7 is the functional block diagram of the generating means for the consumptive loan electronic contract that the embodiment of the present invention five provides.
Fig. 8 is the concrete structure block diagram for the server that the embodiment of the present invention seven provides.
Embodiment
In order that the purpose of the present invention, technical scheme and beneficial effect are more clearly understood, below in conjunction with accompanying drawing and implementation
Example, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only explaining this hair
It is bright, it is not intended to limit the present invention.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.
Embodiment one：
Referring to Fig. 1, the generation method for the consumptive loan electronic contract that the embodiment of the present invention one provides comprises the following steps：
If it is noted that there is substantially the same result, the generation method of consumptive loan electronic contract of the invention is not with Fig. 1 institutes
The flow order shown is limited.
S101, portable terminal device receive the application information of the consumptive loan of input.
The application information of the consumptive loan includes the information and consumptive loan information of borrower.
The application information of the consumptive loan is inputted by consumer finance company representative of sales ＆ marketing.
S102, portable terminal device send the application information of the consumptive loan to server.
S103, server are examined to the application information of the consumptive loan, if examination ＆ approval pass through, perform S104；
If examination ＆ approval are not by terminating flow.
S104, server send the contact for including the message of random verification code and the main points of consumptive loan contract to borrower
Mode.
In the embodiment of the present invention one, after examination ＆ approval pass through, server generation contract number is sent to portable terminal device；Portable terminal device
Show contract number；Portable terminal device receives operation requests of the representative of sales ＆ marketing to contract corresponding to the contract number；Portable terminal device is shown
Loan application table and contact method stamped signature button；Portable terminal device receives the instruction for clicking on contact method stamped signature button；Then perform
S104。
Contact method can be cell-phone number, mailbox, wechat etc..
In the embodiment of the present invention one, the message of the main points including random verification code and consumptive loan contract, message
Content is, for example,：【Have by stages】You handle * * phases, monthly first * * day refund * * * * business by after reading agreement by stages in detail
Please input validation code * * * * * *, input is considered as that you are without demur to agreement, please enjoy service.
So as to allow borrower to understand consumptive loan contract, the rights and duties of borrower are understood.If borrower understands
Confirm to need to provide a loan after the main points of consumptive loan contract, then tell consumer finance company to sell generation the random verification code received
Table, inputted by consumer finance company representative of sales ＆ marketing to portable terminal device, therefore the legitimate rights and interests of borrower can be ensured.
S105, portable terminal device receive the random verification code of input.
S106, portable terminal device send random verification code to server.
After S107, server receive correct random verification code, consumptive loan electronic contract is generated.
The consumptive loan electronic contract has borrower, consumer finance company/consumer finance company representative of sales ＆ marketing and business
The name (as shown in Figure 2) of family/business representative.
In the embodiment of the present invention one, the consumptive loan electronic contract can be that the consumptive loan electronics of PDF format closes
Together.
The consumptive loan electronic contract can also have random verification code corresponding with the consumptive loan electronic contract.
The consumptive loan electronic contract can also have the content of the time for sending message and message.Such as the institute of table one
Show.
Table one has the contract annex of the content of the time for sending message and message
As shown in figure 3, in the embodiment of the present invention one, after S107, methods described can also comprise the following steps：
S201, server are by digital certificate registration mechanism (Registration Authority, RA) to digital certificate
Authentication center (Certificate Authority, CA) applies for the scene certificate of short message verification code, to sign and issue short-message verification by CA
The CA scene certificates of code.
CA is responsible for the authoritative institution of distribution ＆ management digital certificate, and as the 3rd of trust in e-commerce transaction the
Side, undertake the responsibility that the legitimacy of public key in Public Key Infrastructure is examined.RA is CA certificate issued, the extension of management.
S202, server receive the CA scene certificates for the short message verification code that RA is sent.
S203, server are synthesized the CA scenes certificate of short message verification code and consumptive loan electronic contract.
Consumptive loan electronic contract after synthesis is sent to portable terminal device by S204, server.
S205, portable terminal device receive the consumptive loan electronic contract after synthesis, to have borrower to borrower's displaying, disappear
Take the name of financing corporation/consumer finance company representative of sales ＆ marketing and businessman/business representative, and the CA fields with short message verification code
The consumptive loan electronic contract of scape certificate, contract annex is as shown in Table 2.
Contract annex of the table two with scene certificate
As shown in figure 4, in the embodiment of the present invention one, after S104, methods described can also comprise the following steps：
S301, portable terminal device receive the instruction for switching to handwriting pattern, and send a command to server.
S301 can perform when borrower does not receive random verification code, or, although have received random verification code,
Remain desirable to perform when using handwriting.
After S302, server receive the instruction for switching to handwriting pattern, send handwriting to portable terminal device and carry
Show.
S303, portable terminal device prompt borrower, consumer finance company representative of sales ＆ marketing and business representative signature, portable end respectively
End receives the signature of borrower, consumer finance company representative of sales ＆ marketing and business representative respectively, and clothes are sent to after generation signature picture
Business device；Scene certificate, the scene certificate of representative of sales ＆ marketing's signature and the business that server is signed to CA loan applicants respectively by RA
Family represent signature scene certificate, with by CA sign and issue borrower signature scene certificate, representative of sales ＆ marketing signature scene certificate and
The scene certificate of business representative signature；Server receives the scene certificate for borrower's signature that RA is sent, representative of sales ＆ marketing signs
Scene certificate and the scene certificate of business representative signature.
Scene certificate that S304, server sign borrower, the scene certificate of representative of sales ＆ marketing's signature, business representative signature
Scene certificate and with borrower, consumer finance company representative of sales ＆ marketing and business representative signature consumptive loan electronic contract
Synthesized.
Consumptive loan electronic contract after synthesis is sent to portable terminal device by S305, server.
S306, portable terminal device receive the consumptive loan electronic contract after synthesis, to show that band borrower signs to borrower
Scene certificate, representative of sales ＆ marketing signature scene certificate and business representative signature scene certificate consumptive loan electronic contract.
Embodiment two：
Referring to Fig. 5, the generating means for the consumptive loan electronic contract that the embodiment of the present invention two provides, applied to portable end
End, described device include：
First receiving module 11, the application information of the consumptive loan for receiving input；
First sending module 12, for sending the application information of the consumptive loan to server, with by server to institute
The application information for stating consumptive loan is examined, and after examination ＆ approval pass through, being sent by server includes random verification code and consumptive loan
The message of the main points of contract to borrower contact method；
Second receiving module 13, for receiving the random verification code of input；
Second sending module 14, it is correctly random to be received by server for sending random verification code to server
After identifying code, consumptive loan electronic contract is generated.
What the generating means and the embodiment of the present invention one for the consumptive loan electronic contract that the embodiment of the present invention two provides provided
The generation method of consumptive loan electronic contract belongs to same design, and its specific implementation process refers to specification in full, herein no longer
Repeat.
Embodiment three：
The embodiment of the present invention three provides a kind of computer-readable recording medium, the computer-readable recording medium storage
There is computer program, the computer program realizes following steps when being executed by processor：
Receive the application information of the consumptive loan of input；
The application information of the consumptive loan is sent to server, with the application information by server to the consumptive loan
Examined, after examination ＆ approval pass through, being sent by server includes the message of random verification code and the main points of consumptive loan contract to borrowing
The contact method of money people；
Receive the random verification code of input；
Random verification code is sent to server, after receiving correct random verification code by server, generation consumption is borrowed
Money electronic contract.
In the embodiment of the present invention three, after the generation consumptive loan electronic contract, in addition to：
The consumptive loan electronic contract after synthesis is received, so that there is borrower, consumer finance company/disappear to borrower's displaying
Take the name of financing corporation representative of sales ＆ marketing and businessman/business representative, and the consumption of the CA scene certificates with short message verification code
Loan electronic contract；Consumptive loan electronic contract after the synthesis is signed and issued digital certificate authentication center CA by server
The CA scenes certificate and consumptive loan electronic contract of short message verification code are synthesized and are sent to portable terminal device.
In the embodiment of the present invention three, the server, which is sent, includes random verification code and the main points of consumptive loan contract
After message to the contact method of borrower, in addition to：
The instruction for switching to handwriting pattern is received, and sends a command to server；
Borrower, consumer finance company representative of sales ＆ marketing and business representative signature, portable terminal device is prompted to receive borrow respectively respectively
The signature of money people, consumer finance company representative of sales ＆ marketing and business representative, server is sent to after generating signature picture；With by servicing
The scene that scene certificate, the business representative that the scene certificate for borrower's signature that device signs and issues CA, representative of sales ＆ marketing sign are signed is demonstrate,proved
Book and the consumptive loan electronic contract of signature with borrower, consumer finance company representative of sales ＆ marketing and business representative are synthesized
And it is sent to portable terminal device；
The consumptive loan electronic contract after synthesis is received, with scene certificate, the pin signed to borrower's displaying with borrower
Sell the consumptive loan electronic contract of the scene certificate for representing signature and the scene certificate of business representative signature.
Example IV：
Fig. 6 shows the concrete structure block diagram for the portable terminal device that the embodiment of the present invention four provides, and a kind of portable terminal device 100 wraps
Include：One or more processors 101, memory 102 and one or more computer programs, wherein the He of the processor 101
The memory 102 is connected by bus, and one or more of computer programs are stored in the memory 102, and
And be configured to be performed by one or more of processors 101, the processor 101 is realized when performing the computer program
Following steps：
Receive the application information of the consumptive loan of input；
The application information of the consumptive loan is sent to server, with the application information by server to the consumptive loan
Examined, after examination ＆ approval pass through, being sent by server includes the message of random verification code and the main points of consumptive loan contract to borrowing
The contact method of money people；
Receive the random verification code of input；
Random verification code is sent to server, after receiving correct random verification code by server, generation consumption is borrowed
Money electronic contract.
In the embodiment of the present invention four, after the generation consumptive loan electronic contract, in addition to：
The consumptive loan electronic contract after synthesis is received, so that there is borrower, consumer finance company/disappear to borrower's displaying
Take the name of financing corporation representative of sales ＆ marketing and businessman/business representative, and the consumption of the CA scene certificates with short message verification code
Loan electronic contract；Consumptive loan electronic contract after the synthesis is signed and issued digital certificate authentication center CA by server
The CA scenes certificate and consumptive loan electronic contract of short message verification code are synthesized and are sent to portable terminal device.
In the embodiment of the present invention four, the server, which is sent, includes random verification code and the main points of consumptive loan contract
After message to the contact method of borrower, in addition to：
The instruction for switching to handwriting pattern is received, and sends a command to server；
Borrower, consumer finance company representative of sales ＆ marketing and business representative signature, portable terminal device is prompted to receive borrow respectively respectively
The signature of money people, consumer finance company representative of sales ＆ marketing and business representative, server is sent to after generating signature picture；With by servicing
The scene that scene certificate, the business representative that the scene certificate for borrower's signature that device signs and issues CA, representative of sales ＆ marketing sign are signed is demonstrate,proved
Book and the consumptive loan electronic contract of signature with borrower, consumer finance company representative of sales ＆ marketing and business representative are synthesized
And it is sent to portable terminal device；
The consumptive loan electronic contract after synthesis is received, with scene certificate, the pin signed to borrower's displaying with borrower
Sell the consumptive loan electronic contract of the scene certificate for representing signature and the scene certificate of business representative signature.
Embodiment five：
Referring to Fig. 7, the generating means for the consumptive loan electronic contract that the embodiment of the present invention five provides, applied to service
Device, described device include：
Approval module 21, for being examined to the application information of consumptive loan, the application information of the consumptive loan is
Server is sent to after the application information of the consumptive loan of input is received by portable terminal device；
3rd sending module 22, if passed through for examining, sending includes random verification code and consumptive loan contract
The message of main points with the random verification code inputted by portable terminal device reception and is sent to server to the contact method of borrower；
Contract generation module 23, after receiving correct random verification code, generate consumptive loan electronic contract.
What the generating means and the embodiment of the present invention one for the consumptive loan electronic contract that the embodiment of the present invention five provides provided
The generation method of consumptive loan electronic contract belongs to same design, and its specific implementation process refers to specification in full, herein no longer
Repeat.
Embodiment six：
The embodiment of the present invention six provides a kind of computer-readable recording medium, the computer-readable recording medium storage
There is computer program, the computer program realizes following steps when being executed by processor：
The application information of consumptive loan is examined, the application information of the consumptive loan be received by portable terminal device it is defeated
Server is sent to after the application information of the consumptive loan entered；
If examination ＆ approval pass through, the message for including random verification code and the main points of consumptive loan contract is sent to borrower's
Contact method, to receive the random verification code of input by portable terminal device and be sent to server；
After receiving correct random verification code, consumptive loan electronic contract is generated.
In the embodiment of the present invention six, the consumptive loan electronic contract also has and the consumptive loan electronic contract pair
The random verification code answered.
In the embodiment of the present invention six, the consumptive loan electronic contract can also have the time for sending message and message
Content.
In the embodiment of the present invention six, after the generation consumptive loan electronic contract, in addition to：
Apply for the scene certificate of short message verification code to digital certificate authentication center CA by digital certificate registration mechanism RA, with
The CA scene certificates of short message verification code are signed and issued by CA；
Receive the CA scene certificates for the short message verification code that RA is sent；
The CA scenes certificate of short message verification code and consumptive loan electronic contract are synthesized；
Consumptive loan electronic contract after synthesis is sent to portable terminal device.
In the embodiment of the present invention six, the transmission includes the message of random verification code and the main points of consumptive loan contract extremely
After the contact method of borrower, in addition to：
After receiving the instruction for switching to handwriting pattern, handwriting prompting is sent to portable terminal device, with by portable
Terminal prompts borrower, consumer finance company representative of sales ＆ marketing and business representative signature respectively, and receives borrower, consumption gold respectively
Melt the signature of company representative of sales ＆ marketing and business representative, server is sent to after generation signature picture；It is described to switch to handwriting
The instruction of pattern is to receive and be sent to server by portable terminal device；
Scene certificate, the scene certificate of representative of sales ＆ marketing's signature and the businessman's generation signed respectively to CA loan applicants by RA
The scene certificate of table signature, to sign and issue the scene certificate of borrower's signature, the scene certificate of representative of sales ＆ marketing's signature and businessman by CA
Represent the scene certificate of signature；Receive RA send borrower signature scene certificate, representative of sales ＆ marketing signature scene certificate and
The scene certificate of business representative signature；
The scene certificate that the scene certificate of borrower's signature, the scene certificate of representative of sales ＆ marketing's signature, business representative are signed
Synthesized with the consumptive loan electronic contract of the signature with borrower, consumer finance company representative of sales ＆ marketing and business representative；
Consumptive loan electronic contract after synthesis is sent to portable terminal device.
Embodiment seven：
Fig. 8 shows the concrete structure block diagram for the server that the embodiment of the present invention seven provides, and a kind of server 200 includes：
One or more processors 201, memory 202 and one or more computer programs, wherein the processor 201 and institute
Memory 202 to be stated to connect by bus, one or more of computer programs are stored in the memory 202, and
It is configured to be performed by one or more of processors 201, the processor 201 is realized such as when performing the computer program
Lower step：
The application information of consumptive loan is examined, the application information of the consumptive loan be received by portable terminal device it is defeated
Server is sent to after the application information of the consumptive loan entered；
If examination ＆ approval pass through, the message for including random verification code and the main points of consumptive loan contract is sent to borrower's
Contact method, to receive the random verification code of input by portable terminal device and be sent to server；
After receiving correct random verification code, consumptive loan electronic contract is generated.
In the embodiment of the present invention seven, the consumptive loan electronic contract also has and the consumptive loan electronic contract pair
The random verification code answered.
In the embodiment of the present invention seven, the consumptive loan electronic contract can also have the time for sending message and message
Content.
In the embodiment of the present invention seven, after the generation consumptive loan electronic contract, in addition to：
Apply for the scene certificate of short message verification code to digital certificate authentication center CA by digital certificate registration mechanism RA, with
The CA scene certificates of short message verification code are signed and issued by CA；
Receive the CA scene certificates for the short message verification code that RA is sent；
The CA scenes certificate of short message verification code and consumptive loan electronic contract are synthesized；
Consumptive loan electronic contract after synthesis is sent to portable terminal device.
In the embodiment of the present invention seven, the transmission includes the message of random verification code and the main points of consumptive loan contract extremely
After the contact method of borrower, in addition to：
After receiving the instruction for switching to handwriting pattern, handwriting prompting is sent to portable terminal device, with by portable
Terminal prompts borrower, consumer finance company representative of sales ＆ marketing and business representative signature respectively, and receives borrower, consumption gold respectively
Melt the signature of company representative of sales ＆ marketing and business representative, server is sent to after generation signature picture；It is described to switch to handwriting
The instruction of pattern is to receive and be sent to server by portable terminal device；
Scene certificate, the scene certificate of representative of sales ＆ marketing's signature and the businessman's generation signed respectively to CA loan applicants by RA
The scene certificate of table signature, to sign and issue the scene certificate of borrower's signature, the scene certificate of representative of sales ＆ marketing's signature and businessman by CA
Represent the scene certificate of signature；Receive RA send borrower signature scene certificate, representative of sales ＆ marketing signature scene certificate and
The scene certificate of business representative signature；
The scene certificate that the scene certificate of borrower's signature, the scene certificate of representative of sales ＆ marketing's signature, business representative are signed
Synthesized with the consumptive loan electronic contract of the signature with borrower, consumer finance company representative of sales ＆ marketing and business representative；
Consumptive loan electronic contract after synthesis is sent to portable terminal device.
In embodiments of the present invention, after passing through due to server to the examination ＆ approval of the application information of consumptive loan, send include with
The message of the main points of machine identifying code and consumptive loan contract to borrower contact method；Server receives correctly to be tested at random
After demonstrate,proving code, consumptive loan electronic contract is generated.Therefore borrower will appreciate that consumptive loan contract, understand the right and justice of borrower
Business, and consumptive loan electronic contract must be the legitimate rights and interests that borrower can be ensured through borrower's self acknowledging.
Again because consumptive loan electronic contract has the content of the time for sending message and message, and borrowed with the consumption
Random verification code corresponding to money electronic contract.Therefore can realize signature/seal to various electronic documents, effective authentication,
Anti-tamper, operation audit, log recording and operation such as can trace at the function.
Again due to server by digital certificate registration mechanism RA to digital certificate authentication center CA apply short message verification code
Scene certificate, to sign and issue the CA scene certificates of short message verification code by CA；Server by the CA scenes certificate of short message verification code and
Consumptive loan electronic contract is synthesized.I.e. by the complete believable chain of evidence of foundation, the legal effective of electronic contract is ensured, it is whole
The evidence of individual electronic contract includes loan message, identifying code, CA scenes certificate, the several parts of electronic contract.Server and the 3rd
Square CA establishes data communication interface, and the foundation of whole chain of evidence is triggered by using the client of portable terminal device, ensures user
A kind of chain of evidence of What You See Is What You Get, finally using third-party CA certificate, electronics label are carried out to whole chain of evidence behavior, result
Name operation, ensures its evidence anti-repudiation, anti-tamper.
And due to not receiving random verification code in borrower, or, although have received random verification code, wish to
During using handwriting, handwriting pattern can be switched to.Consumer's Experience is preferable.And the scene of borrower's signature is signed and issued by CA
The scene certificate of certificate, the scene certificate of representative of sales ＆ marketing's signature and business representative signature, i.e., enter to whole chain of evidence behavior, result
Row operation of electronic signature, ensure its evidence anti-repudiation, anti-tamper.
One of ordinary skill in the art will appreciate that all or part of step in the various methods of above-described embodiment is can
To instruct the hardware of correlation to complete by program, the program can be stored in a computer-readable recording medium, storage
Medium can include：Read-only storage (ROM, Read Only Memory), random access memory (RAM, Random
Access Memory), disk or CD etc..
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
All any modification, equivalent and improvement made within refreshing and principle etc., should be included in the scope of the protection.
Claims (14)
1. a kind of generation method of consumptive loan electronic contract, it is characterised in that methods described includes：
Portable terminal device receives the application information of the consumptive loan of input；
Portable terminal device sends the application information of the consumptive loan to server, with by application of the server to the consumptive loan
Information is examined, and after examination ＆ approval pass through, the message for including random verification code and the main points of consumptive loan contract is sent by server
To the contact method of borrower；
Portable terminal device receives the random verification code of input；
Portable terminal device sends random verification code to server, and after receiving correct random verification code by server, generation disappears
Take loan electronic contract.
2. the method as described in claim 1, it is characterised in that after the generation consumptive loan electronic contract, methods described
Also include：
Portable terminal device receives the consumptive loan electronic contract after synthesis, with public with borrower, the consumer finance to borrower's displaying
Department/consumer finance company representative of sales ＆ marketing and the name of businessman/business representative, and the CA scene certificates with short message verification code
Consumptive loan electronic contract；Consumptive loan electronic contract after the synthesis is to be signed digital certificate authentication center CA by server
The CA scenes certificate and consumptive loan electronic contract of the short message verification code of hair are synthesized and are sent to portable terminal device.
3. method as claimed in claim 1 or 2, it is characterised in that the server, which is sent, includes random verification code and consumption
After the message of the main points of loan agreement to the contact method of borrower, methods described also includes：
Portable terminal device receives the instruction for switching to handwriting pattern, and sends a command to server；
Portable terminal device prompts borrower, consumer finance company representative of sales ＆ marketing and business representative signature, portable terminal device to connect respectively respectively
The signature of borrower, consumer finance company representative of sales ＆ marketing and business representative is received, server is sent to after generation signature picture；With by
The field that scene certificate, the business representative that the scene certificate for borrower's signature that server signs and issues CA, representative of sales ＆ marketing sign are signed
Scape certificate and with borrower, consumer finance company representative of sales ＆ marketing and business representative signature consumptive loan electronic contract carry out
Synthesize and be sent to portable terminal device；
Portable terminal device receives the consumptive loan electronic contract after synthesis, to be demonstrate,proved to scene of borrower's displaying with borrower's signature
The consumptive loan electronic contract of the scene certificate of book, the scene certificate of representative of sales ＆ marketing's signature and business representative signature.
A kind of 4. generating means of consumptive loan electronic contract, applied to portable terminal device, it is characterised in that described device includes：
First receiving module, the application information of the consumptive loan for receiving input；
First sending module, for sending the application information of the consumptive loan to server, with by server to the consumption
The application information of loan is examined, and after examination ＆ approval pass through, being sent by server includes random verification code and consumptive loan contract
The message of main points to borrower contact method；
Second receiving module, for receiving the random verification code of input；
Second sending module, for sending random verification code to server, to receive correct random verification code by server
Afterwards, consumptive loan electronic contract is generated.
5. a kind of computer-readable recording medium, the computer-readable recording medium storage has computer program, and its feature exists
In consumptive loan electronic contract of the realization as described in any one of claims 1 to 3 when the computer program is executed by processor
Generation method the step of.
6. a kind of portable terminal device, including：One or more processors；Memory；And one or more computer programs, wherein
One or more of computer programs are stored in the memory, and are configured to by one or more of processing
Device performs, it is characterised in that is realized described in the computing device during computer program as described in any one of claims 1 to 3
Consumptive loan electronic contract generation method the step of.
7. a kind of generation method of consumptive loan electronic contract, it is characterised in that methods described includes：
Server is examined to the application information of consumptive loan, and the application information of the consumptive loan is received by portable terminal device
Server is sent to after the application information of the consumptive loan of input；
If examination ＆ approval pass through, server, which is sent, includes the message of random verification code and the main points of consumptive loan contract to borrower
Contact method, with by portable terminal device receive input random verification code and be sent to server；
After server receives correct random verification code, consumptive loan electronic contract is generated.
8. method as claimed in claim 7, it is characterised in that the consumptive loan electronic contract also has to be borrowed with the consumption
Random verification code corresponding to money electronic contract.
9. method as claimed in claim 8, it is characterised in that the consumptive loan electronic contract also have send message when
Between and message content.
10. the method as described in any one of claim 7 to 9, it is characterised in that the generation consumptive loan electronic contract it
Afterwards, methods described also includes：
Server applies for the scene certificate of short message verification code by digital certificate registration mechanism RA to digital certificate authentication center CA,
To sign and issue the CA scene certificates of short message verification code by CA；
Server receives the CA scene certificates for the short message verification code that RA is sent；
Server is synthesized the CA scenes certificate of short message verification code and consumptive loan electronic contract；
Consumptive loan electronic contract after synthesis is sent to portable terminal device by server.
11. method as claimed in claim 7, it is characterised in that the server, which is sent, includes random verification code and consumption is borrowed
After the message of the main points of money contract to the contact method of borrower, methods described also includes：
After server receives the instruction for switching to handwriting pattern, handwriting prompting is sent to portable terminal device, with by just
Take terminal and prompt borrower, consumer finance company representative of sales ＆ marketing and business representative signature respectively, and receive borrower, consumption respectively
Financing corporation representative of sales ＆ marketing and the signature of business representative, server is sent to after generating signature picture；It is described to switch to hand-written label
The instruction of word pattern is to receive and be sent to server by portable terminal device；
Scene certificate, the scene certificate of representative of sales ＆ marketing's signature and the businessman that server is signed to CA loan applicants respectively by RA
The scene certificate of signature is represented, to sign and issue the scene certificate of borrower's signature, the scene certificate of representative of sales ＆ marketing's signature and business by CA
Family represents the scene certificate of signature；Server receives the scene certificate for borrower's signature that RA is sent, the field of representative of sales ＆ marketing's signature
Scape certificate and the scene certificate of business representative signature；
Scene certificate that server signs borrower, the scene certificate of representative of sales ＆ marketing's signature, the scene card of business representative signature
Book and the consumptive loan electronic contract of signature with borrower, consumer finance company representative of sales ＆ marketing and business representative are closed
Into；
Consumptive loan electronic contract after synthesis is sent to portable terminal device by server.
A kind of 12. generating means of consumptive loan electronic contract, applied to server, it is characterised in that described device includes：
Approval module, for being examined to the application information of consumptive loan, the application information of the consumptive loan is by portable
Terminal is sent to server after receiving the application information of the consumptive loan of input；
3rd sending module, if passed through for examining, sending includes random verification code and the main points of consumptive loan contract
Message with the random verification code inputted by portable terminal device reception and is sent to server to the contact method of borrower；
Contract generation module, after receiving correct random verification code, generate consumptive loan electronic contract.
13. a kind of computer-readable recording medium, the computer-readable recording medium storage has computer program, and its feature exists
In consumptive loan electronics of the realization as described in any one of claim 7 to 11 closes when the computer program is executed by processor
With generation method the step of.
14. a kind of server, including：One or more processors；Memory；And one or more computer programs, wherein
One or more of computer programs are stored in the memory, and are configured to by one or more of processing
Device performs, it is characterised in that is realized described in the computing device during computer program as described in any one of claim 7 to 11
Consumptive loan electronic contract generation method the step of.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710678380 | 2017-08-10 | ||
| CN2017106783808 | 2017-08-10 |
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Application publication date: 20180327 |