CN109658041B - File generation device, file generation method, file generation device, and readable storage medium - Google Patents
File generation device, file generation method, file generation device, and readable storage medium Download PDFInfo
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- CN109658041B CN109658041B CN201811138156.0A CN201811138156A CN109658041B CN 109658041 B CN109658041 B CN 109658041B CN 201811138156 A CN201811138156 A CN 201811138156A CN 109658041 B CN109658041 B CN 109658041B
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Abstract
The invention discloses a method for generating a contract file, which comprises the following steps: acquiring first identification information of a contract initiator and a corresponding electronic contract; acquiring a first digital certificate from a third party authority according to the first identification information; digitally signing the electronic contract by adopting a first digital certificate to obtain a first signed file; sending the first signed file to a third party authority, and receiving a second signed file returned by the third party authority after digital signing based on the first signed file; sending the second signed document to the contract responder and receiving a third signed document returned by the contract responder after digital signature based on the second signed document; a final contract is formed from the third signed document. The invention also discloses a file generation device, contract file generation equipment and a readable storage medium. The invention reduces the butt joint between the signer of the electronic contract and the third party authority, and simultaneously ensures the legal effectiveness of the electronic contract.
Description
Technical Field
The present invention relates to the field of network security, and more particularly, to a method and apparatus for generating a contract document, a device for generating a contract document, and a readable storage medium.
Background
With the development of internet technology, electronic contracts are widely used due to the advantages of high efficiency, order, high safety and the like. All parties signing the electronic contract at present need to apply for a digital certificate to a digital certificate management organization in advance so as to sign when the electronic contract is signed, and the electronic contract is required to be provided to the digital certificate management organization to notarize the content of the electronic contract in the process of signing the electronic contract so as to ensure that the electronic contract has legal efficacy.
At present, the online file generation device is used as an intermediate platform to integrate financial products of different financial institutions (such as banks and the like) for users to select, and when the users and the financial institutions agree to sign electronic contracts, in order to ensure legal effectiveness of the electronic contracts, if all parties signed by the contracts need to be in butt joint with a digital certificate management institution, the process is complicated, so that development cost and butt joint cost of all parties of the electronic contracts are higher.
The foregoing is provided merely for the purpose of facilitating understanding of the technical solutions of the present invention and is not intended to represent an admission that the foregoing is prior art.
Disclosure of Invention
The main purpose of the invention is to provide a method for generating a contract file, which aims at ensuring legal effectiveness of an electronic contract and simplifying the process of signing the electronic contract under the condition of multiple contracting parties.
In order to achieve the above object, the present invention provides a method for generating a contract document, comprising the steps of:
acquiring first identification information of a contract initiator and a corresponding electronic contract;
acquiring a first digital certificate from a third party authority according to the first identification information;
digitally signing the electronic contract by adopting the first digital certificate to obtain a first signed file;
sending the first signed file to the third party authority and receiving a second signed file returned by the third party authority after digital signing based on the first signed file;
sending the second signed document to a contract responder and receiving a third signed document fed back by the contract responder after digital signature is carried out on the basis of the second signed document;
and forming a final contract between the contract initiator and the contract responder according to the third signed file.
Optionally, the step of obtaining the first identification information of the contract initiator and the corresponding electronic contract includes:
acquiring first identification information of the contract initiator;
determining the contract response party and a corresponding loan approval result according to the first identification information;
acquiring a contract template corresponding to the contract responding party;
and generating the electronic contract according to the contract template and the loan approval result.
Optionally, after the step of obtaining the first identification information of the contract initiator and the corresponding electronic contract, the method further includes:
acquiring the identity of the contract initiator;
acquiring corresponding first standard identification information according to the identity of the contract initiator;
comparing whether the first identification information is consistent with the first standard identification information;
and if the comparison results are consistent, executing the step of determining the contract response party and the corresponding loan approval result according to the first identification information.
Optionally, the step of digitally signing the electronic contract with the first digital certificate to obtain a first signed document includes:
identifying a first feature field in the electronic contract;
adding the first identification information to a first target area corresponding to the first characteristic field;
carrying out hash calculation on the electronic contract containing the first identification information by adopting a private key in the first digital certificate to obtain a first password sequence;
and adding the first password sequence to the electronic contract containing the first identification information to obtain the first signed file.
Optionally, before the step of forming a final contract between the contract initiator and the contract responder according to the third signed file, the method further includes:
obtaining a public key paired with the private key;
carrying out hash calculation on the electronic contract containing the first identification information in the third signed file by adopting the public key to obtain a second password sequence;
comparing whether the first code sequence is consistent with the second code sequence;
when the first and second sequences of passwords agree, a step of forming a final contract between the contract initiator and contract responder from the third signed file is performed.
Optionally, when the first cryptographic sequence is consistent with the second cryptographic sequence, before the step of forming a final contract between the contract initiator and the contract responder according to the third signed file, the step of:
identifying a second feature field in the third signed file;
extracting second identification information of the contract responder in a second target area corresponding to the second characteristic field;
acquiring second standard identification information corresponding to the contract response party;
comparing whether the second identification information is consistent with the second standard identification information;
and if the comparison results are consistent, executing the step of forming a final contract between the contract initiator and the contract responder according to the third signed file.
Optionally, the step of forming a final contract between the contract initiator and the contract responder according to the third signed file includes:
obtaining a second digital certificate of a generating device of a document providing contract signing services for the contract initiator and the contract responder;
digitally signing the third signed document with the second digital certificate to obtain a fourth signed document;
and generating a PDF file from the fourth signed file to form a final contract between the contract initiator and the contract responder.
In addition, in order to achieve the above object, the present application further proposes a file generation apparatus, including:
the user information acquisition module is used for acquiring the first identification information of the contract initiator and the corresponding electronic contract;
the certificate claim module is used for acquiring a first digital certificate from a third party authority according to the first identification information;
the signing module is used for digitally signing the electronic contract by adopting the first digital certificate to obtain a first signed file;
the first transmission module is used for sending the first signed file to the third party authority and receiving a second signed file returned by the third party authority after digital signing based on the first signed file;
the second transmission module is used for sending the second signed document to a contract responder and receiving a third signed document returned by the contract responder after digital signature is carried out on the basis of the second signed document;
and the contract generation module is used for forming a final contract between the contract initiator and the contract responder according to the third signed file.
In addition, in order to achieve the above object, the present application also proposes a contract document generation apparatus including: a memory, a processor, and a contract document generation program stored on the memory and executable on the processor, which when executed by the processor, implements the steps of the contract document generation method as set forth in any one of the above.
In addition, in order to achieve the above object, the present application proposes a readable storage medium having stored thereon a generation program of a contract document, which when executed by a processor, implements the steps of the generation method of a contract document as set forth in any one of the above.
According to the method for generating the contract file, the contract initiator signs the electronic contract by applying the digital certificate to the contract initiator, the contract initiator does not need to search a third-party authority by itself and apply the digital certificate, the electronic contract signed by the applied digital certificate is sent to the third-party authority to sign and document the electronic contract content, the contract signer does not need to be in butt joint with the third-party authority to ensure the effectiveness of the electronic contract content, the electronic contract signed by the notarization is sent to the contract responder, the electronic contract signed by the contract responder is acquired to form a final contract, the whole signing process of the electronic contract can form an effective evidence chain, the butt joint between the signer of the electronic contract and the authority of the third-party is reduced, the signing process of the electronic contract is simplified, and the development cost and the butt joint cost of the electronic contract are reduced.
Drawings
FIG. 1 is a schematic flow chart of a method for generating a contract document according to an embodiment of the present invention;
FIG. 2 is a second flow chart of a method for generating a contract document according to an embodiment of the present invention;
FIG. 3 is a third flow chart of a method for generating a contract document according to an embodiment of the present invention;
FIG. 4 is a fourth flowchart of a method for generating a contract document according to an embodiment of the present invention;
FIG. 5 is a fifth flowchart of a method for generating a contract document according to an embodiment of the present invention;
FIG. 6 is a sixth flowchart of a method for generating a contract document according to an embodiment of the present invention;
FIG. 7 is a seventh flowchart of a method for generating a contract document according to an embodiment of the present invention;
fig. 8 is a schematic device structure diagram of a hardware operating environment related to the contract file generation device of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The main solutions of the embodiments of the present invention are: acquiring first identification information of a contract initiator and a corresponding electronic contract; acquiring a first digital certificate from a third party authority according to the first identification information; digitally signing the electronic contract by adopting a first digital certificate to obtain a first signed file; sending the first signed file to a third party authority, and receiving a second signed file returned by the third party authority after digital signing based on the first signed file; sending the second signed document to a contract responder and receiving a third signed document returned by the contract responder after digital signature is carried out on the basis of the second signed document; a final contract between the contract sponsor and the contract responder is formed from the third signed file.
Because the prior art integrates the generation device of the files of the financial products of different financial institutions, when a user agrees with the financial institutions to sign an electronic combination, the process is complicated, so that the development cost and the butt joint cost of all parties of the electronic combination are higher.
The invention provides the solution, and reduces the butt joint between the signing party of the electronic contract and the third party authority, simplifies the signing process of the electronic contract and reduces the development cost and the butt joint cost of the signing of the electronic contract while forming an effective evidence chain.
The embodiment of the invention provides a method for generating a contract file, as shown in fig. 1, which comprises the following steps:
step S10, first identification information of a contract initiator and a corresponding electronic contract are obtained;
the first identification information of the contract initiator is information which can be used for indicating the identity of the contract initiator, including an identity card, a voiceprint, a fingerprint, a face image and the like. The contract initiator may be a borrower applying for loan through the document generating device, and the electronic contract corresponding to the first identification information may be an electronic contract formed by applying for loan and approving the loan by the contract initiator on the document generating device. The method comprises the steps that identification information of a user can be extracted from loan application information of a contract initiator and used as first standard identification information and stored on a file generation device, an electronic contract can be generated and stored on the file generation device after approval is passed and is associated with the first standard identification information, and after the first identification information of the contract initiator is obtained, when the first standard identification information matched with the first standard identification information exists, the electronic contract of a desired contract initiator can be obtained through the matched first standard identification information. In addition, the first standard identification information can be associated with the identity of the contract initiator, and after the identity of the contract initiator is confirmed through the first identification information, a corresponding electronic contract is generated according to the identity of the contract initiator.
After the electronic contract is acquired, the electronic contract may be displayed to the contract initiator, and step S20 may be performed after receiving the confirmation information of the contract initiator.
Step S20, a first digital certificate is obtained from a third party authority according to the first identification information;
the third party authority is in particular a providing authority of digital certificates, which can notarize and have legal effectiveness for the provided digital certificates. A first protocol can be established in advance between the third-party authority and the file generating device, and the third-party authority encrypts the first identification information to generate a digital certificate when receiving a digital certificate claim request of the file generating device. Wherein, the first preset information (such as a specific character, a specific password string or a specific field, etc.) can be defined in the first protocol as the identification of the digital certificate claim request, and the third party authority indicates that the received content is the digital certificate claim request when receiving the first preset information.
After the first identification information of the contract initiator is acquired, the file generating device can form a digital certificate claim request by the first identification information of the contract initiator and the first preset information and send the digital certificate claim request to the third party authority. After receiving the digital certificate claim request, the third party authority recognizes whether first preset information exists, if so, extracts first identification information in the digital certificate claim request, and generates a first digital certificate for the first identification information. After the first digital certificate is generated, the third party authority may return the first digital certificate to the generation device of the file. The third party authority may store the first identification information of the contract initiator and the characteristic information (such as a certificate number) of the first digital certificate in association after the first digital certificate is generated.
Step S30, digital signature is carried out on the electronic contract by adopting the first digital certificate, and a first signed file is obtained;
the file generation device can correlate the first digital certificate with the first identification information of the contract initiator after receiving the first digital certificate, so that the contract initiator can use the first digital certificate according to the first identification information to sign other electronic files.
The first digital certificate returned by the third authority may specifically include a first public key and a first private key, where the first private key is used to digitally sign the electronic contract, and the first public key is used to verify, in a subsequent flow, signature information representing the identity of the contract initiator.
When the file generating device adopts the first private key to digitally sign the electronic contract, a first password sequence is generated, and the first password sequence and the electronic contract form a first signed file. In addition, the first private key can be adopted to digitally sign the first identification information of the electronic contract and the contract initiator to form a first signed file, so that the first signed file can further ensure the validity of the electronic contract.
Step S40, the first signed file is sent to the third party authority, and a second signed file returned by the third party authority after digital signing based on the first signed file is received;
a second protocol may be pre-established between the third party authority and the document generation device, and when the third party authority receives the notarization request of the document generation device, the third party authority digitally signs the signed document in the notarization request using the private key of the third party authority to notarize the content in the signed document. Wherein, second preset information (such as specific characters, specific password strings or specific fields, etc.) can be defined in the second protocol as the identifier of the notarization request, and the third party authority, when receiving the second preset information, indicates that the received content is the notarization request.
And after the first signed file is obtained, the file generating device forms a notarization request together with the second preset information and sends the notarization request to the third-party authority. After the third party authority receives the notarization request, identifying whether second preset information exists, if so, extracting a first signed file in the notarization request, digitally signing the first signed file by using a private key of the third party authority, and generating a third password sequence, wherein the third password sequence and the first signed file form a second signed file.
Step S50, the second signed document is sent to a contract responder, and a third signed document returned by the contract responder after digital signature is carried out on the basis of the second signed document is received;
the file generating device sends the second signed file to the contract responder after receiving the second signed file returned by the third party authority. Wherein the contract responder may make a determination based on the first criteria identification information of the contract initiator. And after the contract initiator applies for the loan and the provider of the loan product passes the verification, the provider of the loan product is associated with the first standard identification information of the contract initiator, and the provider of the loan product is used as a contract responder.
A third agreement may be pre-established between the third party authority and the contract responder, the contract responder digitally signing the signed document in the signing request using the private key of the contract responder upon receipt of the contract signing request of the generating means of the document, to confirm the content in the signed document. Wherein third preset information (such as a specific character, a specific password string, or a specific field, etc.) may be defined in the third agreement as an identification of the contract signing request, and the contract responder, upon receiving the third preset information, indicates that the received content is the contract signing request.
After receiving the contract signing request of the file generation device, the contract response party identifies whether third preset information exists, if so, the second signing file in the contract signing request is extracted, the second signing file is digitally signed by using the private key of the third party authority, a fourth password sequence is generated, and the fourth password sequence and the second signing file form the third signing file. It should be noted that, the digital certificate used by the contract responder to perform digital signing is a digital certificate with legal effectiveness provided by the third party authority, and each financial institution signs on different electronic business related documents by using the digital certificate, so that the digital certificate does not need to be reissued while signing the electronic contract in the application.
And step S60, forming a final contract between the contract initiator and the contract responder according to the third signed file.
The file generating device can be directly used as a final contract to be associated and stored with the first standard identification information of the contract initiator after receiving the third signed file, or can be converted into a preset format to form the final contract to be associated and stored with the first standard identification information of the contract initiator.
In the method for generating the contract file, the contract initiator signs the electronic contract by applying the digital certificate to the contract initiator, the contract initiator does not need to search a third-party authority and apply the digital certificate, the electronic contract signed by the applied digital certificate is sent to the third-party authority to sign and document the electronic contract content, the contract signer does not need to be in butt joint with the third-party authority to ensure the validity of the electronic contract content, the electronic contract signed by the notarized electronic contract is sent to the contract responder, the electronic contract signed by the contract responder is acquired to form a final contract, the whole signing process of the electronic contract can form an effective evidence chain, the butt joint between the signer of the electronic contract and the authority of the third party is reduced, the signing process of the electronic contract is simplified, and the development cost and the butt joint cost of the electronic contract are reduced.
Specifically, as shown in fig. 2, the step of obtaining the first identification information of the contract initiator and the corresponding electronic contract includes:
step S11, acquiring first identification information of the contract initiator;
step S12, determining the contract response party and a corresponding loan approval result according to the first identification information;
step S13, acquiring a contract template corresponding to the contract response party;
and S14, generating the electronic contract according to the contract template and the loan approval result.
After the loan application of the borrower is approved by the financial institution, the loan approval result can be fed back to the file generating device, and the loan approval result can specifically include: borrower information, loan amount, loan duration, etc. The document generating device can store the first identification information of the borrower, the financial institution and the loan approval result fed back by the financial institution in a correlated manner after receiving the loan approval result of the borrower and determining that the loan application approval of the borrower passes, wherein the borrower sends out a contract making request as a contract initiator, and the financial structure is used as a contract responding party corresponding to the borrower.
The document generating device can send information to inform the borrower after receiving the result of the approval of the loan application, and the borrower can log in the document generating device as the contract initiator to send out a contract contracting request. When receiving a contract signing request of a contract initiator, the file generating device can acquire first identification information of the contract initiator, and determine a contract responder corresponding to the contract initiator and a loan approval result of the contract initiator according to the first identification information.
The file generating device can customize corresponding contract templates for different financial institutions which cooperate with the file generating device in advance according to the requirements of the financial institutions and store the contract templates. After determining the contract responder, a corresponding contract template may be obtained. And extracting information in the loan approval result, filling the information in a corresponding position in the contract template, and forming the electronic contract to be signed.
Through the information, in the signing process of the electronic contract, the corresponding electronic contract is generated only by acquiring the first identification information of the contract initiator, so that unnecessary storage resources are prevented from being occupied by making the electronic contract before the contract initiator determines the loan requirement. In addition, by setting the contract template, the electronic contract can be quickly docked to the corresponding electronic contract after the first identification information of the contract initiator is acquired.
Specifically, as shown in fig. 3, after the step of obtaining the first identification information of the contract initiator and the corresponding electronic contract, the method further includes:
step S15, the identity of the contract initiator is obtained;
step S16, corresponding first standard identification information is obtained according to the identity of the contract initiator;
step S17, comparing whether the first identification information is consistent with the first standard identification information;
and step S18, if the comparison results are consistent, executing the step of determining the contract response party and the corresponding loan approval result according to the first identification information.
The information such as the electronic contract, the loan approval result and the like can be associated with the identity identification such as the account number of the contract initiator. The contract initiator can log in the generation device of the file through the account number, the password and the like. The generation device of the file can take the identification information of the file, which is obtained when the loan application is submitted before the contract initiator, as first standard identification information and correlate the first standard identification information with the account number of the file, wherein the account number and the like can be used for identifying the identity of the contract initiator. The first standard identification information corresponding to the identity of the contract initiator is obtained, the obtained first identification information is compared with the first standard identification information, the identity of the contract initiator is consistent with the identity of the account, the subsequent step 20 and other contract signing steps are executed when the identity is consistent, if the identity is inconsistent, the identity of the contract initiator is inconsistent with the identity of the account, the operation of the person corresponding to the non-account is not performed, and the subsequent contract signing is not performed.
By the method, the situation that loan contract signing is carried out by using the account of other people can be avoided, the accuracy of signed electronic contracts is ensured, the interests of parties signing the contracts are ensured, and the reliability of signing the electronic contracts is improved.
Specifically, as shown in fig. 4, the step of digitally signing the electronic contract by using the first digital certificate to obtain a first signed document includes:
step S31, identifying a first characteristic field in the electronic contract;
step S32, adding the first identification information to a first target area corresponding to the first feature field;
step S33, carrying out hash calculation on the electronic contract containing the first identification information by adopting a private key in the first digital certificate to obtain a first password sequence;
and step S34, adding the first password sequence to the electronic contract containing the first identification information to obtain the first signed file.
When signing the contract, besides the digital signature generated by the first digital certificate represents the identity of the contract initiator, the identification information of the contract initiator signing the contract can be added to the electronic contract, so that the following tracing of the validity of the contract is facilitated. Specifically, a first feature field representing a contract initiator identity, such as "contract initiator identity" or the like, may be provided on each electronic contract template. The first feature field may be correspondingly provided with a first target area for placing identification information of the contract initiator.
When the electronic contract is digitally signed, a first characteristic field in the electronic contract can be identified, a first target area corresponding to the first characteristic field is determined, and the acquired first identification information of the contract initiator is added to the first target area, so that the electronic contract contains the first identification information. And carrying out hash calculation on the electronic contract containing the first identification information by adopting a private key in the first digital certificate to obtain a first password sequence, and adding the first password sequence to the electronic contract containing the first identification information to obtain a first signed file.
Specifically, as shown in fig. 5, before the step of forming the final contract between the contract initiator and the contract responder according to the third signed file, the method further includes:
step S51, a public key paired with the private key is obtained;
step S52, performing hash computation on the electronic contract containing the first identification information in the third signed file by using the public key, so as to obtain a second password sequence;
step S53, comparing whether the first password sequence is consistent with the second password sequence;
step S54, when the first password sequence is consistent with the second password sequence, performing a step of forming a final contract between the contract initiator and the contract responder according to the third signed file.
The third signed file specifically includes the electronic contract including the first identification information, the first password sequence, the third password sequence, the fourth password sequence, and the like. The first code sequence represents signing the electronic contract by the contract initiator, the third code sequence represents signing the electronic contract by the third party authority, and the fourth code sequence represents signing the electronic contract by the contract responder.
Upon receiving the third signed file, the generating means of the file may verify the first cryptographic sequence using the public key in the first digital certificate. The first digital certificate may not include a public key, and the generation device of the file requests to obtain the first digital certificate from the third party authority when verification is required. If the verification passes, indicating that the electronic contract is not modified during signing, a final contract may be formed from the third signed file. Specifically, the public key is adopted to carry out hash calculation on the electronic contract containing the first identification information in the third signed file to obtain a second password sequence, the first password sequence and the second password are compared to see whether the first password sequence and the second password are consistent, if the first password sequence and the second password sequence are consistent, the first password sequence on the third signed file passes verification, and the final contract can be formed according to the third signed file.
Through the mode, the verification of the first password sequence in the third signed file is beneficial to avoiding modification of the electronic contract in the transmission and signing processes, so that the effectiveness of the electronic contract is ensured, and the interests of all parties signing the electronic contract are ensured.
Further, as shown in fig. 6, when the first password sequence is consistent with the second password sequence, before the step of forming a final contract between the contract initiator and the contract responder according to the third signed file, the method further includes:
step S531, identifying a second characteristic field in the third signed file;
step S532, extracting second identification information of the contract responder in a second target area corresponding to the second characteristic field;
step S533, second standard identification information corresponding to the contract response party is obtained;
step S534, comparing whether the second identification information is consistent with the second standard identification information;
and step S535, if the comparison results are consistent, executing the step of forming a final contract between the contract initiator and the contract responder according to the third signed file.
When the contract responder digitally signs the second signed document, the second identification information of the contract responder may be added to the second signed document in the same manner as the first identification information of the contract initiator is added, and then the second signed document containing the second identification information is digitally signed to obtain a third signed document.
A financial institution (i.e., potential contract responder) that cooperates with the document's generation means to provide financial products may provide its identifying information (e.g., official seal patterns, institution names, etc.) to the document's generation means. The file generating means stores identification information of different financial institutions in association with the financial institutions to form second standard identification information. When the file generating device receives the third signed file, the second identification information of the contract responding party can be extracted from the third signed file, the second standard identification information is obtained and compared with the second identification information, and when the comparison result is consistent, a final contract is formed according to the third signed file. By the mode, the validity of the signed electronic contract can be traced back through various verifications.
Specifically, as shown in fig. 7, the step of forming a final contract between the contract initiator and the contract responder according to the third signed file includes:
step S61, obtaining a second digital certificate of a generation device of a document providing a contract signing service for the contract initiator and the contract responder;
step S62, carrying out digital signature on the third signed file by adopting the second digital certificate to obtain a fourth signed file;
and step S63, generating a PDF file from the fourth signed file to form a final contract between the contract initiator and the contract responder.
The file generation device itself may also claim a digital certificate, i.e. the second digital certificate described above, to a third party authority. And carrying out digital signature on the third signed file by adopting a private key in the second digital certificate to obtain a fourth signed file, wherein the fourth signed file can be stored after generating a PDF file as a final contract signed between the contract initiator and the contract responder.
The signature of the file generating device can provide notarization of the signed electronic contract between the contract initiator and the contract responder, so that the validity of the electronic contract is ensured; further, since the generation apparatus of the document serves as an intermediary for connecting the contract initiator and the contract responder, terms related to the generation apparatus of the document may be added to the electronic contract to ensure the validity of the electronic contract.
In addition, the embodiment of the invention also provides a file generating device, which comprises:
the user information acquisition module is used for acquiring the first identification information of the contract initiator and the corresponding electronic contract;
the certificate claim module is used for acquiring a first digital certificate from a third party authority according to the first identification information;
the signing module is used for digitally signing the electronic contract by adopting the first digital certificate to obtain a first signed file;
the first transmission module is used for sending the first signed file to the third party authority and receiving a second signed file returned by the third party authority after digital signing based on the first signed file;
the second transmission module is used for sending the second signed document to a contract responder and receiving a third signed document returned by the contract responder after digital signature is carried out on the basis of the second signed document;
and the contract generation module is used for forming a final contract between the contract initiator and the contract responder according to the third signed file.
The specific implementation manner of each module in the file generating device of the present invention is basically the same as each embodiment of the contract file generating method, and will not be described herein.
In addition, as shown in fig. 8, the embodiment of the present invention further proposes a contract document generation apparatus, where the contract document generation apparatus includes: a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, a memory 1004, a communication bus. Wherein the communication bus is used to enable connection communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1002 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1004 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1004 may also optionally be a storage device separate from the processor 1001 described above.
It will be appreciated by those skilled in the art that the device structure shown in fig. 8 is not limiting of the device and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in fig. 8, an operating system, a network communication module, a user interface module, and a contract file generation program may be included in the memory 1004, which is one type of computer storage medium.
In the device shown in fig. 8, the network interface 1002 is mainly used for connecting to a background server, and is in data communication with the background server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be used to call the contract document generation program stored in the memory 1004 and perform the relevant operations of the steps in the above contract document generation method
The specific implementation manner of the contract file generating device of the present invention is basically the same as the above embodiments of the contract file generating method, and will not be described herein.
Further, the embodiment of the present invention also proposes a readable storage medium having stored thereon a generation program of a contract file, which when executed by a processor, implements the steps of the generation method of a contract file as mentioned in the above embodiment.
The specific implementation manner of the readable storage medium of the present invention is basically the same as the above embodiments of the contract file generation method, and will not be described herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (10)
1. The contract file generation method is characterized by comprising the following steps of:
acquiring first identification information of a contract initiator and a corresponding electronic contract;
acquiring a first digital certificate from a third party authority according to the first identification information;
digitally signing the electronic contract by adopting the first digital certificate to obtain a first signed file;
sending the first signed file to the third party authority and receiving a second signed file returned by the third party authority after digital signing based on the first signed file;
sending the second signed document to a contract responder and receiving a third signed document returned by the contract responder after digital signature is carried out on the basis of the second signed document;
forming a final contract between the contract initiator and the contract responder according to the third signed file;
the step of receiving a second signed document returned by the third party authority after digital signing based on the first signed document comprises:
forming a notarization request according to the first signed file and second preset information and sending the notarization request to the third party authority, wherein the third party authority is used for identifying whether the notarization request has the second preset information, if yes, extracting the first signed file in the notarization request, digitally signing the first signed file by using a private key of the first signed file to generate a third password sequence, and generating a second signed file according to the third password sequence and the first signed file;
and receiving a second signed file returned by the third party authority.
2. The method for generating a contract document according to claim 1, wherein the step of acquiring the first identification information of the contract initiator and the corresponding electronic contract thereof includes:
acquiring first identification information of the contract initiator;
determining the contract response party and a corresponding loan approval result according to the first identification information;
acquiring a contract template corresponding to the contract responding party;
and generating the electronic contract according to the contract template and the loan approval result.
3. The method for generating a contract document according to claim 2, wherein after the step of acquiring the first identification information of the contract initiator and the corresponding electronic contract thereof, the method further comprises:
acquiring the identity of the contract initiator;
acquiring corresponding first standard identification information according to the identity of the contract initiator;
comparing whether the first identification information is consistent with the first standard identification information;
and if the comparison results are consistent, executing the step of determining the contract response party and the corresponding loan approval result according to the first identification information.
4. The method of claim 3, wherein the step of digitally signing the electronic contract using the first digital certificate to obtain a first signed document comprises:
identifying a first feature field in the electronic contract;
adding the first identification information to a first target area corresponding to the first characteristic field;
carrying out hash calculation on the electronic contract containing the first identification information by adopting a private key in the first digital certificate to obtain a first password sequence;
and adding the first password sequence to the electronic contract containing the first identification information to obtain the first signed file.
5. The method of claim 4, wherein prior to the step of forming a final contract between the contract initiator and contract responder based on the third signed file, further comprising:
obtaining a public key paired with the private key;
carrying out hash calculation on the electronic contract containing the first identification information in the third signed file by adopting the public key to obtain a second password sequence;
comparing whether the first code sequence is consistent with the second code sequence;
when the first and second sequences of passwords agree, a step of forming a final contract between the contract initiator and contract responder from the third signed file is performed.
6. The method of claim 5, wherein when the first cryptographic sequence is consistent with the second cryptographic sequence, the step of forming a final contract between the contract initiator and the contract responder from the third signed file is preceded by the step of:
identifying a second feature field in the third signed file;
extracting second identification information of the contract responder in a second target area corresponding to the second characteristic field;
acquiring second standard identification information corresponding to the contract response party;
comparing whether the second identification information is consistent with the second standard identification information;
and if the comparison results are consistent, executing the step of forming a final contract between the contract initiator and the contract responder according to the third signed file.
7. The method of generating a contract document according to claim 6, wherein the step of forming a final contract between the contract initiator and a contract responder from the third signed document includes:
obtaining a second digital certificate of a generating device of a document providing contract signing services for the contract initiator and the contract responder;
digitally signing the third signed document with the second digital certificate to obtain a fourth signed document;
and generating a PDF file from the fourth signed file to form a final contract between the contract initiator and the contract responder.
8. A document generation apparatus, characterized in that the document generation apparatus includes:
the user information acquisition module is used for acquiring the first identification information of the contract initiator and the corresponding electronic contract;
the certificate claim module is used for acquiring a first digital certificate from a third party authority according to the first identification information;
the signing module is used for digitally signing the electronic contract by adopting the first digital certificate to obtain a first signed file;
the first transmission module is used for sending the first signed file to the third party authority and receiving a second signed file returned by the third party authority after digital signing based on the first signed file;
the second transmission module is used for sending the second signed document to a contract responder and receiving a third signed document returned by the contract responder after digital signature is carried out on the basis of the second signed document;
the contract generation module is used for forming a final contract between the contract initiator and the contract responder according to the third signed file;
the first transmission module is further configured to form a notarization request according to the first signed file and second preset information, and send the notarization request to the third party authority, where the third party authority is configured to identify whether the notarization request has the second preset information, if yes, extract the first signed file in the notarization request, digitally sign the first signed file by using a private key of the first transmission module to generate a third password sequence, and generate a second signed file according to the third password sequence and the first signed file; and receiving a second signed file returned by the third party authority.
9. A contract document generation apparatus, characterized in that the contract document generation apparatus includes: a memory, a processor, and a contract document generation program stored on the memory and executable on the processor, which when executed by the processor, implements the steps of the contract document generation method according to any one of claims 1 to 7.
10. A readable storage medium, wherein a contract document generation program is stored on the readable storage medium, which when executed by a processor, implements the steps of the contract document generation method according to any one of claims 1 to 7.
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| CN110705240A (en) * | 2019-09-29 | 2020-01-17 | 深圳前海环融联易信息科技服务有限公司 | Contract generation method and device, computer equipment and storage medium |
| CN110830449B (en) * | 2019-10-17 | 2020-11-13 | 北京三快在线科技有限公司 | File processing method and device, electronic equipment and readable storage medium |
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| CN106850233A (en) * | 2017-03-09 | 2017-06-13 | 江苏慧世联网络科技有限公司 | A kind of many mechanisms can outsourcing electronic contract signature and management method |
| CN107579827A (en) * | 2017-06-06 | 2018-01-12 | 江苏慧世联网络科技有限公司 | It is a kind of that method is signed based on the electronic document of trusted third party and facial recognition techniques |
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| CN103440444B (en) * | 2013-07-16 | 2016-04-27 | 深圳市亚略特生物识别科技有限公司 | The signing method of electronic contract |
| CN103873255B (en) * | 2014-03-03 | 2017-05-10 | 杭州电子科技大学 | Electronic contract network signing method based on trusted third party |
| CN106921496A (en) * | 2015-12-25 | 2017-07-04 | 卓望数码技术（深圳）有限公司 | A kind of digital signature method and system |
| JP2018018536A (en) * | 2017-09-27 | 2018-02-01 | 株式会社三菱東京Ｕｆｊ銀行 | Contract server used for concluding electronic contract and method for concluding electronic contract |
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| CN105574435A (en) * | 2015-12-22 | 2016-05-11 | 杭州安存网络科技有限公司 | On-line electronic contract signing and verifying methods, device and system |
| CN106850233A (en) * | 2017-03-09 | 2017-06-13 | 江苏慧世联网络科技有限公司 | A kind of many mechanisms can outsourcing electronic contract signature and management method |
| CN107579827A (en) * | 2017-06-06 | 2018-01-12 | 江苏慧世联网络科技有限公司 | It is a kind of that method is signed based on the electronic document of trusted third party and facial recognition techniques |
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