CN108667622A - Electron underwriting authentication method, system, computer equipment and storage medium - Google Patents
Electron underwriting authentication method, system, computer equipment and storage medium Download PDFInfo
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- CN108667622A CN108667622A CN201810487664.3A CN201810487664A CN108667622A CN 108667622 A CN108667622 A CN 108667622A CN 201810487664 A CN201810487664 A CN 201810487664A CN 108667622 A CN108667622 A CN 108667622A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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Abstract
The invention discloses a kind of electron underwriting authentication method, system, computer equipment and storage mediums, wherein the method includes：Acquisition terminal acquires electronic signature information input by user, and the electronic signature information is converted to electronic signature picture and is preserved；Transaction terminal is sent to the acquisition terminal obtains electronic signature request, and after the permission response message for receiving acquisition terminal return, obtains the electronic signature picture；Collected electronic signature figure is sent to certificate server by acquisition terminal；Certificate server is identified the electronic signature figure received using optical character recognition technology, electronic signature data to be verified is matched with the electronic signature data to prestore, after successful matching, transaction terminal obtains electronic signature data, and the electronic signature data is stored and completes certification into file system.The above method alleviates the operating burden of user, improves authentication efficiency.
Description
Technical field
The present invention relates to electronic information field more particularly to a kind of electron underwriting authentication method, system, computer equipment and
Storage medium.
Background technology
Online loan is also becoming a kind of trend, and by the advantage of internet, the completion that can stay indoors is provided a loan Shen
Every step please, including understand the application condition of all kinds of loans, prepare application material, until submitting loan application, all may be used
To be efficiently completed on the internet.It is corresponding, the rise of the online loan platform of a batch, also for provide a loan on the net it is universal with
Popularization is made that prodigious contribution.All be the reference of client to be inquired for loan system, see client it is whether qualified into
Row loan thus needs client to provide reference power of attorney electronic edition and is given to bank, and traditional way is that user downloads reference mould
Version, printing are completed to fill in customer information, then be attended a banquet taking pictures to be sent to, both wasted in this way attend a banquet it is logical when logical time, also allow and look for
Customer lending intention less than printer weakens.
Product or scheme have problems in that tradition in the industry：
1, the operating procedure of client's offer reference material is relatively complicated；
2, identifying procedure is complicated, is required for carrying out electron underwriting authentication every time when transaction；
3, the process for providing reference material relies on the peripheral hardwares such as printer.
The above problem not only reduces customer lending intention, waste attend a banquet it is logical when, logical resource.
Invention content
Based on this, it is necessary to which complex steps when being directed to existing certification, the drawback of authentication call program complexity provide a kind of electricity
Sub- signature authentication method, system, computer equipment and storage medium.
A kind of electron underwriting authentication method, the authentication method include：Acquisition terminal acquires electronic signature input by user
The electronic signature information is converted to electronic signature picture and preserved by information；
Transaction terminal is sent to the acquisition terminal obtains electronic signature request, and is receiving permitting for acquisition terminal return
Perhaps after response message, the electronic signature picture is obtained；
Collected electronic signature figure is sent to certificate server by acquisition terminal；
Certificate server is identified the electronic signature figure received using optical character recognition technology, and using filter
Wave device is filtered electronic signature information, extracts electronic signature data wherein included, by electronic signature data to be verified
It is matched with the electronic signature data to prestore, after successful matching, transaction terminal obtains electronic signature data, and by the electronics
Signed data, which is stored, completes certification into file system.
The acquisition terminal acquires electronic signature information input by user in one of the embodiments, by the electronics
Signing messages is converted to electronic signature picture and further includes before preserving：
Phone number that acquisition terminal is provided by user obtains the short message verification code that postbacks to verify the identity of user, such as
It is verified, then sends electronic signature acquisition instructions.
The acquisition terminal acquires electronic signature information input by user in one of the embodiments, by the electronics
Signing messages is converted to electronic signature picture and further includes after preserving：
Acquisition terminal prompt user carries out signature place and takes pictures, and the signature place photo of the acquisition terminal acquisition user is simultaneously
It preserves, signature place photo is for proving that user reaches some place in some time and signed；Prompt user defeated
Enter bank account information, the acquisition terminal acquires the bank account information of user and preservation；User is prompted to upload identity card just
Reverse side photo, the identity card positive and negative photo of the acquisition terminal acquisition user simultaneously preserve.
The acquisition terminal is mobile terminal in one of the embodiments, and the electronic signature information is text information
And finger print information.
In one of the embodiments, the certificate server using optical character recognition technology to the electronics label that receive
Name figure is identified, and is filtered to electronic signature information using filter, extracts electronic signature data wherein included,
Electronic signature data to be verified is matched with the electronic signature data to prestore, after successful matching, transaction terminal obtains electricity
Sub- signed data, and further include after the electronic signature data is stored into file system completion certification：
The electronic signature of user is added to the signature of the electronic document template of user's submission by transaction terminal, and user is carried
The bank account information filling electronic document template of confession corresponds to column, and electronic signature and electronic document are merged；
Identity card that transaction terminal is provided according to user and merge document confirm ID card information and electronic signature whether one
It causes, and follow-up business processing is carried out according to confirmation result.
A kind of electron underwriting authentication system, the Verification System include：
Collecting unit acquires electronic signature information input by user for acquisition terminal, the electronic signature information is turned
It is changed to electronic signature picture and preserves；
Acquiring unit sends to the acquisition terminal for transaction terminal and obtains electronic signature request, and adopted receiving
After collecting the permission response message that terminal returns, the electronic signature picture is obtained；
Collected electronic signature figure is sent to certificate server by transmission unit for acquisition terminal；
Authentication unit carries out the electronic signature figure received using optical character recognition technology for certificate server
Identification, and electronic signature information is filtered using filter, electronic signature data wherein included is extracted, it will be to be verified
Electronic signature data is matched with the electronic signature data to prestore, and after successful matching, transaction terminal obtains electronic signature data,
And the electronic signature data is stored and completes certification into file system.
The collecting unit is additionally operable to acquisition terminal prompt user and carries out the bat of signature place in one of the embodiments,
According to the signature place photo of the acquisition terminal acquisition user simultaneously preserves, and signature place photo is for proving user at certain
A time reaches some place and is signed；User is prompted to input bank account information, the acquisition terminal acquisition user's
Bank account information simultaneously preserves；User is prompted to upload identity card positive and negative photo, the identity card of the acquisition terminal acquisition user
Positive and negative photo simultaneously preserves.
The authentication unit is additionally operable to transaction terminal the electronic signature of user is added to use in one of the embodiments,
The bank account information filling electronic document template that user provides is corresponded to column by the signature for the electronic document template that family is submitted,
It will electronic signature and electronic document merging；The identity card and merge document confirmation ID card information that transaction terminal is provided according to user
It is whether consistent with signing electronically, and follow-up business processing is carried out according to confirmation result.
A kind of computer equipment, including memory and processor are stored with computer-readable instruction in the memory, institute
When stating computer-readable instruction and being executed by the processor so that the processor executes the step of above-mentioned authentication method.
A kind of storage medium being stored with computer-readable instruction, the computer-readable instruction are handled by one or more
When device executes so that one or more processors execute the step of above-mentioned authentication method.
It is defeated to acquire user by acquisition terminal for above-mentioned electron underwriting authentication method, system, computer equipment and storage medium
The electronic signature information is converted to electronic signature picture and preserved by the electronic signature information entered, and transaction terminal is adopted to described
Collect terminal and send acquisition electronic signature request, and after the permission response message for receiving acquisition terminal return, obtains the electricity
Collected electronic signature figure is sent to certificate server by son signature picture, acquisition terminal, and certificate server uses optics
The electronic signature figure received is identified in character recognition technologies, and is carried out to electronic signature information using filter
Filter, extracts electronic signature data wherein included, and electronic signature data to be verified and the electronic signature data to prestore are carried out
Matching, after successful matching, transaction terminal obtains electronic signature data, and the electronic signature data is stored into file system
Certification is completed, the operating burden of user is alleviated, improves authentication efficiency.
Description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit are common for this field
Technical staff will become clear.Attached drawing only for the purpose of illustrating preferred embodiments, and is not considered as to the present invention
Limitation.
Fig. 1 is the flow chart of electron underwriting authentication method in one embodiment；
Fig. 2 is the flow chart that photo account information and identity card are acquired in one embodiment；
Fig. 3 is the structure diagram of electron underwriting authentication system in one embodiment.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Those skilled in the art of the present technique are appreciated that unless expressly stated, singulative " one " used herein, " one
It is a ", " described " and "the" may also comprise plural form.It is to be further understood that is used in the specification of the present invention arranges
It refers to there are the feature, integer, step, operation, element and/or component, but it is not excluded that presence or addition to take leave " comprising "
Other one or more features, integer, step, operation, element, component and/or their group.
As a preferable embodiment, as shown in Figure 1, a kind of electron underwriting authentication method, the authentication method include with
Lower step：
Step S101, acquisition terminal acquire electronic signature information input by user, electronic signature information are converted to electronics
Signature picture simultaneously preserves；
It, can be using smart mobile phone and tablet computer etc. as acquisition terminal, for acquiring electronic signature letter in the present embodiment
Breath, and the electronic signature information of acquisition is stored as electronic signature picture.When works such as other smart mobile phones and tablet computer
When needing to carry out electron underwriting authentication for transaction terminal, its electronics label stored is obtained by the communication connection with acquisition terminal
Name picture, loads and calls the electronic signature picture to be authenticated, smart mobile phone and tablet computer as transaction terminal
Etc. can be one, or it is multiple, as long as can be communicated with acquisition terminal, and electronic signature picture can be obtained.
Acquisition terminal acquires electronic signature information input by user, and then electronic signature information is handled and converted,
It is converted to the electronic signature picture of picture format and stores the electronic signature picture.The electronic signature information that acquisition terminal is acquired
It may include text information and finger print information, wherein text information can be defeated in a manner of touching the touch screen of acquisition terminal
Enter, finger print information can be produced by the predeterminated position by the touch screen for touching acquisition terminal, such as in the touch of acquisition terminal
Screen display one is used to input the input interface of fingerprint, and fingerprint letter is acquired after user presses fingerprint on the input interface
Breath, the finger print information can be used as electronic signature information.After collecting text information and finger print information, by text information and refer to
Line information carries out processing and format conversion accordingly, and is stored as picture format, and the picture format that the present embodiment is stored can be with
Including but not limited to bmp formats, jpg formats, png formats, tiff formats, gif formats can prompt user to select in storage
Then the picture format that can be preserved is stored as corresponding format according to the user's choice, when collecting multiple and different words
When information and finger print information, user can be prompted to input corresponding title to distinguish when being stored as electronic signature picture.
Step S102, transaction terminal is sent to acquisition terminal obtains electronic signature request, and is returned receiving acquisition terminal
After the permission response message returned, electronic signature picture is obtained；
When transaction terminal needs to carry out electron underwriting authentication, load request is sent to acquisition terminal, acquisition terminal receives
To after load request, transaction terminal load electronic signature picture can be determined whether according to preset Rule of judgment, judges item
Part can judge whether the safety of the requested electronic signature picture of transaction terminal is enough, and according to the safety established
Rule applies mechanically the appropriate framework acted with notice, and transaction security can monitor event according to the rule of setting, these regular meetings
It is applied mechanically according to the event in company or tissue, and the action to be executed when specified generation particular event combination, when rule triggers, no
Transaction terminal is allowed to load electronic signature picture.After transaction terminal receives the permission response message of acquisition terminal return, lead to
The communication with acquisition terminal is crossed, corresponding electronic signature picture is obtained from acquisition terminal.
Collected electronic signature figure is sent to certificate server by step S103, acquisition terminal；
Collected electronic signature figure is sent to certificate server by acquisition terminal.Certificate server, for receiving
To electronic signature figure be identified, extract electronic signature data wherein included, and carry out the certification of electronic signature data.
Step S104, certificate server know the electronic signature figure received using optical character recognition technology
Not, and using filter electronic signature information is filtered, electronic signature data wherein included is extracted, by electricity to be verified
Sub- signed data is matched with the electronic signature data to prestore, and after successful matching, transaction terminal obtains electronic signature data, and
The electronic signature data is stored and completes certification into file system.
Electronic signature figure is identified in certificate server, extracts electronic signature data wherein included.According to electricity
The difference of son signature graph style, the mode of extraction electronic signature data is also different from electronic signature figure.For example, recognizing
Electronic signature figure is identified in card server, extracts electronic signature data wherein included.According to electronic signature figure
The difference of type, the mode of extraction electronic signature data is also different from electronic signature figure.For example, if electronic signature
Figure is the character graphics being made of each character of the electronic signature data of sequential, using existing OCR (Optical
Character Recognition, optical character identification) technology can from electronic signature figure in extract electronics wherein included
Signed data.If electronic signature figure is dot pattern, can first be obtained according to the color of each pixel of dot pattern or gray value
Corresponding electronic signature data is obtained to the binary data corresponding to electronic signature data, and according to the binary data.By
In electronic signature information include effective information and invalid, interference noise, such as stain etc., therefore filter the purpose of information
It as filters off invalid, interference noise, in the present embodiment, electronic signature information is filtered using filter, is extracted
Effective information, eliminate it is invalid, interference noise, by taking stain as an example, due to stain be a border circular areas, with lines difference compared with
Greatly, when being filtered, stain can be compared with lines, identifies stain region, to be filtered.According to what is prestored
The electronic signature data to be compared and the matched data to prestore are carried out matching treatment by match pattern, are matching in handling result
When, transaction terminal obtains electronic signature data, and the electronic signature data is stored and completes certification into file system.
In one embodiment, acquisition terminal acquires electronic signature information input by user, and electronic signature information is converted
Further include for electronic signature picture and before preserving：
Phone number that acquisition terminal is provided by user obtains the short message verification code that postbacks to verify the identity of user, such as
It is verified, then sends electronic signature acquisition instructions.
Client utilizes signature system front end page of the remote terminals tools such as mobile phone by internet access service provider,
By service request entrance loan requests are sent out to service provider.Attending a banquet at service provider receives the customer lending and asks
After asking, calls network communication tool to be sent to the client for the demand that sends out in a manner of wechat, SMS etc. by electric pin system and test
Card link, to verify the legitimacy of client identity.Client is jumped to by the verified link sent of attending a banquet and carries out mobile phone for it
The verification page of verification, the page are write by HTML5, are tested back to its short message for providing phone number acquisition by client
Code is demonstrate,proved to verify the identity of client；Wherein, whether mobile phone verification passes through, can be by that can obtain mobile phone note verification code and sentence
Disconnected, i.e., in the term of validity of mobile phone note verification code, the identifying code input feedback to end of attending a banquet it is logical can be considered as verification by client
It crosses；When passed the verification, " on-line signature system " offer " the signature page " is for client's handwritten signature, and client is prompted to carry out " label
Take pictures in name place ", " signature place photo " is somebody's turn to do for proving what client done at some time point, prevents client and seat
The docking operation of seat can not trace when generating discontented and malicious complaint, client after completing signature place and taking pictures by photo upload,
The photo is stored in the image system at service provider；After completing handwritten signature step, client is prompted to provide the bases such as bank of deposit
This information, and client is prompted to upload identity card positive and negative photo；When verifying failure, then failure cause is informed into client and reminded
Client verifies again, and records the frequency of failure, when reaching unsuccessfully maximum times, freezes the access rights of the client and provides pair
It should prompt.Mobile phone verifies before verifying mobile phone note verification code, has further related to " whether the link of verification client is correct ", " chain
Whether before the deadline to connect " and " whether the state of verification client can sign ".
As shown in Fig. 2, in one embodiment, acquisition terminal acquires electronic signature information input by user, by electronics label
Name information is converted to electronic signature picture and further includes after preserving：
Step S201 prompts user to carry out signature place and takes pictures, and the signature place photo of acquisition terminal acquisition user is simultaneously protected
It deposits, signature place photo is for proving that user reaches some place in some time and signed；
Step S202, prompts user to input bank account information, and acquisition terminal acquires the bank account information of user and guarantor
It deposits；
Step S203, prompts user to upload identity card positive and negative photo, and acquisition terminal acquires the identity card positive and negative of user
Photo simultaneously preserves.
After verification passes through, on-line signature system provides " the signature page " for client's handwritten signature, and client is prompted to carry out
" taking pictures in signature place " is somebody's turn to do " signature place photo " for proving what client done at some time point, prevents client
It can not be traced when generating discontented and malicious complaint with the docking operation attended a banquet, client will be on photo after completing signature place and taking pictures
It passes, which is stored in the image system at service provider；After completing handwritten signature step, client is prompted to provide bank of deposit etc.
Essential information, and client is prompted to upload identity card positive and negative photo.
In one embodiment, acquisition terminal is mobile terminal, and the electronic signature information is that text information and fingerprint are believed
Breath.
Mobile device, or be handheld device, mobile terminal, mobile communication terminal etc., most of is the meter of pocket size
Calculate equipment, including mobile phone, laptop, tablet computer, POS machine, vehicle-mounted computer etc..But refer in most cases have it is a variety of
The smart mobile phone and tablet computer of application function, usually there are one small display display screens, and touch-control input can be at any time by it
It accesses everywhere and obtains various information.The electronic signature information that acquisition terminal is acquired may include text information and finger print information,
In, text information can be inputted the touch screen of acquisition terminal in a manner of touching, and finger print information can be acquired by touching
Produced by the predeterminated position of the touch screen of terminal, such as in the touch screen display one of acquisition terminal it is used to input the input of fingerprint
Interface acquires the finger print information after user presses fingerprint on the input interface, which can be used as signing electronically
Information.Fingerprint generally refers in particular to us and identifies that people adopts a general name in various manners, we need to recognize surrounding in life
Everyone, even closely similar twins, because it is premise that we are mutually exchanged to distinguish.Either pass through
The identification of name, appearance, sound, or by have the fingerprint of technical basis identification, purpose all only there are one, be exactly can accurately really
Recognize other side.The primary purposes of fingerprint is exactly identification individual, is used as fingerprint characteristic certainly, it can uniquely determine, be not easy more
It is changing, be convenient for carrying.Another purposes is retrieval, it would be desirable to, can also be the finger of user when looking for which user
Line inputs computer, inquires the details of the user soon.
In one embodiment, certificate server using optical character recognition technology to the electronic signature figure that receives into
Row identification, and electronic signature information is filtered using filter, electronic signature data wherein included is extracted, it will be to be verified
Electronic signature data matched with the electronic signature data to prestore, after successful matching, transaction terminal obtain electronic signature number
According to, and further include after the electronic signature data is stored into file system completion certification：
The electronic signature of user is added to the signature of the electronic document template of user's submission by transaction terminal, and user is carried
The bank account information filling electronic document template of confession corresponds to column, and electronic signature and electronic document are merged；
Identity card that transaction terminal is provided according to user and merge document confirm ID card information and electronic signature whether one
It causes, and follow-up business processing is carried out according to confirmation result.
From the service template library of service provider, corresponding document template is extracted according to the request of the loan transaction of client,
The basic letter such as bank of deposit that the electronic signature got is invested at the signature column of the document template, and is provided according to client
Breath, filling the document template corresponding position, the electric pin system of document passback after then merging signature, essential information and template is for sitting
Seat is verified.Attend a banquet the identity card and passback that are provided according to client merging document confirm its signature and identity document information record be
It is no consistent, and handled according to the follow-up of the follow-up loan matters of confirmation result progress.
As shown in figure 3, in one embodiment, providing a kind of electron underwriting authentication system, which includes：
Collecting unit acquires electronic signature information input by user for acquisition terminal, the electronic signature information is turned
It is changed to electronic signature picture and preserves；
Acquiring unit sends to the acquisition terminal for transaction terminal and obtains electronic signature request, and adopted receiving
After collecting the permission response message that terminal returns, the electronic signature picture is obtained；
Collected electronic signature figure is sent to certificate server by transmission unit for acquisition terminal；
Authentication unit carries out the electronic signature figure received using optical character recognition technology for certificate server
Identification, and electronic signature information is filtered using filter, electronic signature data wherein included is extracted, it will be to be verified
Electronic signature data is matched with the electronic signature data to prestore, and after successful matching, transaction terminal obtains electronic signature data,
And the electronic signature data is stored and completes certification into file system.
In one embodiment, the collecting unit be additionally operable to acquisition terminal prompt user carry out signature place take pictures, institute
It states the signature place photo of acquisition terminal acquisition user and preserves, signature place photo is for proving user in some time
Some place is reached to be signed；User is prompted to input bank account information, bank's account of the acquisition terminal acquisition user
Family information simultaneously preserves；User is prompted to upload identity card positive and negative photo, the identity card positive and negative of the acquisition terminal acquisition user
Photo simultaneously preserves.
In one embodiment, the authentication unit is additionally operable to transaction terminal the electronic signature of user is added to user to carry
The bank account information filling electronic document template that user provides is corresponded to column by the signature of the electronic document template of friendship, will be electric
Son signature and electronic document merge；The identity card and merge document confirmation ID card information and electricity that transaction terminal is provided according to user
Whether son signature is consistent, and carries out follow-up business processing according to confirmation result.
In one embodiment it is proposed that a kind of computer equipment, the computer equipment includes memory and processor,
Computer-readable instruction is stored in memory, when computer-readable instruction is executed by processor so that described in processor executes
Following steps are realized when computer program：
Transaction terminal is sent to the acquisition terminal obtains electronic signature request, and is receiving permitting for acquisition terminal return
Perhaps after response message, the electronic signature picture is obtained；
Collected electronic signature figure is sent to certificate server by acquisition terminal；
Certificate server is identified the electronic signature figure received using optical character recognition technology, and using filter
Wave device is filtered electronic signature information, extracts electronic signature data wherein included, by electronic signature data to be verified
It is matched with the electronic signature data to prestore, after successful matching, transaction terminal obtains electronic signature data, and by the electronics
Signed data, which is stored, completes certification into file system.
The acquisition terminal acquires electronic signature information input by user in one of the embodiments, by the electronics
Signing messages is converted to electronic signature picture and further includes before preserving：
Phone number that acquisition terminal is provided by user obtains the short message verification code that postbacks to verify the identity of user, such as
It is verified, then sends electronic signature acquisition instructions.
The acquisition terminal acquires electronic signature information input by user in one of the embodiments, by the electronics
Signing messages is converted to electronic signature picture and further includes after preserving：
Acquisition terminal prompt user carries out signature place and takes pictures, and the signature place photo of the acquisition terminal acquisition user is simultaneously
It preserves, signature place photo is for proving that user reaches some place in some time and signed；Prompt user defeated
Enter bank account information, the acquisition terminal acquires the bank account information of user and preservation；User is prompted to upload identity card just
Reverse side photo, the identity card positive and negative photo of the acquisition terminal acquisition user simultaneously preserve.
The acquisition terminal is mobile terminal in one of the embodiments, and the electronic signature information is text information
And finger print information.
In one of the embodiments, the certificate server using optical character recognition technology to the electronics label that receive
Name figure is identified, and is filtered to electronic signature information using filter, extracts electronic signature data wherein included,
Electronic signature data to be verified is matched with the electronic signature data to prestore, after successful matching, transaction terminal obtains electricity
Sub- signed data, and further include after the electronic signature data is stored into file system completion certification：
The electronic signature of user is added to the signature of the electronic document template of user's submission by transaction terminal, and user is carried
The bank account information filling electronic document template of confession corresponds to column, and electronic signature and electronic document are merged；
Identity card that transaction terminal is provided according to user and merge document confirm ID card information and electronic signature whether one
It causes, and follow-up business processing is carried out according to confirmation result.
In one embodiment it is proposed that a kind of storage medium being stored with computer-readable instruction, this is computer-readable
When instruction is executed by one or more processors so that one or more processors execute following steps：
Transaction terminal is sent to the acquisition terminal obtains electronic signature request, and is receiving permitting for acquisition terminal return
Perhaps after response message, the electronic signature picture is obtained；
Collected electronic signature figure is sent to certificate server by acquisition terminal；
Certificate server is identified the electronic signature figure received using optical character recognition technology, and using filter
Wave device is filtered electronic signature information, extracts electronic signature data wherein included, by electronic signature data to be verified
It is matched with the electronic signature data to prestore, after successful matching, transaction terminal obtains electronic signature data, and by the electronics
Signed data, which is stored, completes certification into file system.
The acquisition terminal acquires electronic signature information input by user in one of the embodiments, by the electronics
Signing messages is converted to electronic signature picture and further includes before preserving：
Phone number that acquisition terminal is provided by user obtains the short message verification code that postbacks to verify the identity of user, such as
It is verified, then sends electronic signature acquisition instructions.
The acquisition terminal acquires electronic signature information input by user in one of the embodiments, by the electronics
Signing messages is converted to electronic signature picture and further includes after preserving：
Acquisition terminal prompt user carries out signature place and takes pictures, and the signature place photo of the acquisition terminal acquisition user is simultaneously
It preserves, signature place photo is for proving that user reaches some place in some time and signed；Prompt user defeated
Enter bank account information, the acquisition terminal acquires the bank account information of user and preservation；User is prompted to upload identity card just
Reverse side photo, the identity card positive and negative photo of the acquisition terminal acquisition user simultaneously preserve.
The acquisition terminal is mobile terminal in one of the embodiments, and the electronic signature information is text information
And finger print information.
In one of the embodiments, the certificate server using optical character recognition technology to the electronics label that receive
Name figure is identified, and is filtered to electronic signature information using filter, extracts electronic signature data wherein included,
Electronic signature data to be verified is matched with the electronic signature data to prestore, after successful matching, transaction terminal obtains electricity
Sub- signed data, and further include after the electronic signature data is stored into file system completion certification：
The electronic signature of user is added to the signature of the electronic document template of user's submission by transaction terminal, and user is carried
The bank account information filling electronic document template of confession corresponds to column, and electronic signature and electronic document are merged；
Identity card that transaction terminal is provided according to user and merge document confirm ID card information and electronic signature whether one
It causes, and follow-up business processing is carried out according to confirmation result.
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
It is completed with instructing relevant hardware by program, which can be stored in a computer readable storage medium, storage
Medium may include：Read-only memory (ROM, Read Only Memory), random access memory (RAM, Random
Access Memory), disk or CD etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, to keep description succinct, not to above-mentioned reality
It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, it is all considered to be the range of this specification record.
Some exemplary embodiments of the invention above described embodiment only expresses, the description thereof is more specific and detailed, but
It cannot be construed as a limitation to the scope of the present invention.It should be pointed out that for the ordinary skill people of this field
For member, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the present invention's
Protection domain.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of electron underwriting authentication method, which is characterized in that include the following steps：
Acquisition terminal acquires electronic signature information input by user, and the electronic signature information is converted to electronic signature picture simultaneously
It preserves；
Transaction terminal to the acquisition terminal send obtain electronic signature request, and receive acquisition terminal return allow ring
After answering message, the electronic signature picture is obtained；
Collected electronic signature figure is sent to certificate server by acquisition terminal；
Certificate server is identified the electronic signature figure received using optical character recognition technology, and uses filter
Electronic signature information is filtered, electronic signature data wherein included is extracted, by electronic signature data to be verified and in advance
The electronic signature data deposited is matched, and after successful matching, transaction terminal obtains electronic signature data, and by the electronic signature
Data, which are stored, completes certification into file system.
2. electron underwriting authentication method according to claim 1, which is characterized in that acquisition terminal acquisition user's input
Electronic signature information, by the electronic signature information be converted to electronic signature picture and preserve before further include：
Phone number that acquisition terminal is provided by user obtains the short message verification code that postbacks to verify the identity of user, such as verifies
Pass through, then sends electronic signature acquisition instructions.
3. electron underwriting authentication method according to claim 1, which is characterized in that acquisition terminal acquisition user's input
Electronic signature information, by the electronic signature information be converted to electronic signature picture and preserve after further include：
Acquisition terminal prompt user carries out signature place and takes pictures, and the signature place photo of the acquisition terminal acquisition user is simultaneously protected
It deposits, signature place photo is for proving that user reaches some place in some time and signed；Prompt user's input
Bank account information, the acquisition terminal acquire the bank account information of user and preservation；User is prompted to upload identity card positive and negative
Face photo, the identity card positive and negative photo of the acquisition terminal acquisition user simultaneously preserve.
4. electron underwriting authentication method according to claim 1, which is characterized in that the acquisition terminal is mobile terminal,
The electronic signature information is text information and finger print information.
5. electron underwriting authentication method according to claim 1, which is characterized in that the certificate server uses optics word
The electronic signature figure received is identified in symbol identification technology, and is filtered to electronic signature information using filter,
Electronic signature data wherein included is extracted, by electronic signature data to be verified and the electronic signature data to prestore progress
Match, after successful matching, transaction terminal obtains electronic signature data, and the electronic signature data is stored into file system complete
Further include later at certification：
The electronic signature of user is added to the signature of the electronic document template of user's submission by transaction terminal, and user is provided
Bank account information filling electronic document template corresponds to column, and electronic signature and electronic document are merged；
The identity card that transaction terminal is provided according to user confirms whether ID card information and electronic signature are consistent with document is merged, and
Follow-up business processing is carried out according to confirmation result.
6. a kind of electron underwriting authentication system, which is characterized in that the Verification System includes：
Collecting unit acquires electronic signature information input by user for acquisition terminal, the electronic signature information is converted to
Electronic signature picture simultaneously preserves；
Acquiring unit sends to the acquisition terminal for transaction terminal and obtains electronic signature request, and receiving acquisition eventually
After holding the permission response message returned, the electronic signature picture is obtained；
Collected electronic signature figure is sent to certificate server by transmission unit for acquisition terminal；
Authentication unit knows the electronic signature figure received using optical character recognition technology for certificate server
Not, and using filter electronic signature information is filtered, electronic signature data wherein included is extracted, by electricity to be verified
Sub- signed data is matched with the electronic signature data to prestore, and after successful matching, transaction terminal obtains electronic signature data, and
The electronic signature data is stored and completes certification into file system.
7. electron underwriting authentication system according to claim 6, which is characterized in that the collecting unit is additionally operable to acquisition eventually
End prompt user carries out signature place and takes pictures, and the signature place photo of the acquisition terminal acquisition user simultaneously preserves, the signature
Place photo is for proving that user reaches some place in some time and signed；User is prompted to input bank account letter
Breath, the acquisition terminal acquire the bank account information of user and preservation；User is prompted to upload identity card positive and negative photo, it is described
The identity card positive and negative photo of acquisition terminal acquisition user simultaneously preserves.
8. electron underwriting authentication system according to claim 6, which is characterized in that the authentication unit is additionally operable to transaction eventually
The electronic signature of user is added to the signature of the electronic document template of user's submission by end, and the bank account that user is provided is believed
Breath filling electronic document template corresponds to column, and electronic signature and electronic document are merged；The identity that transaction terminal is provided according to user
Card confirms whether ID card information and electronic signature are consistent with document is merged, and carries out follow-up business processing according to confirmation result.
9. a kind of computer equipment, which is characterized in that including memory and processor, being stored with computer in the memory can
Reading instruction, when the computer-readable instruction is executed by the processor so that the processor executes such as claim 1 to 5
Any one of the method the step of.
10. a kind of storage medium being stored with computer-readable instruction, which is characterized in that the computer-readable instruction is by one
Or multiple processors are when executing so that one or more processors execute the step such as any one of claim 1 to 5 the method
Suddenly.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810487664.3A CN108667622B (en) | 2018-05-21 | 2018-05-21 | Electronic signature authentication method, system, computer device and storage medium |
| PCT/CN2018/104701 WO2019223177A1 (en) | 2018-05-21 | 2018-09-08 | Electronic signature authentication method and system, computer device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810487664.3A CN108667622B (en) | 2018-05-21 | 2018-05-21 | Electronic signature authentication method, system, computer device and storage medium |
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| CN108667622B CN108667622B (en) | 2022-02-22 |
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| WO (1) | WO2019223177A1 (en) |
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| CN113934334A (en) * | 2021-09-22 | 2022-01-14 | 南方电网深圳数字电网研究院有限公司 | Digital conference-based handwritten sign-in implementation method, device and system |
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| CN117235813B (en) * | 2023-11-16 | 2024-01-23 | 中国标准化研究院 | Electronic signature data quality detection method and system |
| CN117592125A (en) * | 2024-01-19 | 2024-02-23 | 湖南省不动产登记中心 | High-reliability electronic signature method of paperless transaction system for second-hand house transaction |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN108667622B (en) | 2022-02-22 |
| WO2019223177A1 (en) | 2019-11-28 |
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