KR101149695B1 - Business processing system using handwriting electronic signature on electronic document for finacial transactions services and method thereof - Google Patents

Abstract

PURPOSE: A work processing system using electronic signature on electronic documents and work processing method are provided to prevent forgery and falsification by recognizing handwriting type electronic signals. CONSTITUTION: A document providing server(30) transmits the encoded electronic document to an electronic signature terminal(10) according to an electronic document request by encoding the handwriting electronic document by using a first public key. The electronic signature terminal outputs a first decoded electronic document by decoding the encoded handwriting electronic document by using a first private key. The electronic signature terminal outputs the first decoded electronic document. The electronic signature terminal encodes the electronic signature document through a second public key by creating the electronic signature document.

Description

Business processing system using handwriting electronic signature on electronic document for finacial transactions services and method approximately}

The present invention relates to a business processing system and a business processing method using a handwritten electronic signature on an electronic document during a financial transaction. More specifically, a signature tracking unit of a detachable type is attached to an electronic document terminal that can be implemented as a wired or wireless terminal, and a signature tracking unit. By using the electronic pen to communicate with the unit in a wired or wireless manner, the electronic signature at the signature location and the secured processing of the completed document are secured in the same way as the self-signed signature on paper in the habitat of contract documents and payment documents provided in the form of electronic documents. The present invention relates to a business processing system and a business processing method using a handwritten electronic signature on an electronic document during a financial transaction to be transmitted to a processing system so that the contract and settlement of a document can be recognized.

With the development of IT technology, business processes of consumers and companies are undergoing many changes. Transactions are done electronically, and commerce such as purchases and sales are carried out electronically, which in turn transforms the flow of work, changes the way and content of transactions, and furthermore, the way in which the company operates, including communication with consumers. It is changing.

Underlying this change is the transition from paper to electronic documents. Through the electronic payment system, the electronic document management system, and the electronic document exchange system, many documents are generated electronically or electronically, even if they are generated as paper documents. have.

There are three main types of document use: paper documents, electronic documents, and paper and electronic documents.

First of all, paper documents are used by most people on a daily basis, and both document generation and distribution are made of paper documents. The use of paper documents facilitates the verification of forgery and alterations, but has the disadvantage of costly searching, distributing and storing the documents.

Next, the use of electronic documents has recently increased in utilization rate, and is distributed and stored through electronic payment and document management systems of companies. The use of electronic documents reduces the cost of retrieval and storage and speeds up business processes. However, there are problems in that forgery and duplication are easy and depend on arbitrary storage media.

The mixed use of paper documents and electronic documents is mainly used for making contracts in the financial sector, and is a method of generating electronic documents by making paper documents once and scanning them. This method solves the shortcomings of using only paper documents or electronic documents. However, since the storage is doubled, the cost is increased and there is a risk of forgery and duplication.

Therefore, there has been a demand for a method that can solve the problems of the above-described method and efficiently use an electronic document.

In addition, in the past, when a financial transaction or a credit card payment, an electronic signature is input through a sign pad, and the electronic document is managed as separate data, and there is a problem that a signer cannot check the contents of an electronic document signed by him. There is a need for a solution to solve this problem.

Accordingly, in the technical field, the security of electronic document management is strengthened to ensure the immutability of electronic documents stored inside the system and to confirm that the documents have been unchanged, thereby ensuring reliable distribution of electronic documents between companies or individuals. There is a need for technology development to ensure collateral.

[Related Technical Literature]

1. Financial business processing and receiving business reservation method and communication system using communication network (Patent Application No. 10-2002-0015024)

The present invention attaches a detachable signature tracking unit to an electronic document terminal that can be implemented as a wired or wireless terminal, and provides a habitat such as a contract document or payment document provided in the form of an electronic document using an electronic pen communicating with the signature tracking unit in a wired or wireless manner. Digital signature on electronic documents during financial transactions to ensure that the contract and payment of the electronic documents are recognized by securely processing the electronic documents at the signature location and transferring the completed documents to the business processing system in the same way as the auto signature on paper. To provide a business processing system and a business processing method using.

In addition, the present invention is a document that has completed the electronic signature on the electronic document terminal by applying encryption for security, the electronic document and the handwritten type electronic signature is recognized as one data to prevent forgery, and later check forgery through the extraction of the electronic signature data This is to provide a business processing system and a business processing method using a handwritten digital signature on the electronic documents during possible financial transactions.

In addition, the present invention is not only a financial service such as insurance, banking, but also a method of receiving a user's digital signature in the form of a separate sign pad when paying for a credit card, and outputting the electronic document to be directly signed visually instead of displaying in a document. In order to provide a business processing system and a business processing method using a handwritten electronic signature on an electronic document in a financial transaction that enables the user to directly check the transaction contract, sign it in handwriting, and preserve the signed form.

However, the objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to an embodiment of the present invention is provided in response to an electronic document request to a document providing server of an electronic signature terminal. A first step of encrypting the stored handwritten electronic document with a first public key and transmitting it to the electronic signature terminal; The digital signature terminal first decrypts the first encrypted handwritten electronic document using a first private key, outputs the first decrypted electronic document, receives a handwritten digital signature from a user, and generates an electronic signature document. A second step of extracting a hash value of the digital signature document and then encrypting it with a second public key; After the business system receives the hash value extracted from the second encrypted digital signature document and the electronic signature document before the second encryption from the digital signature terminal, the second encrypted digital signature document is converted into a second private key. A third step of decoding; A fourth step of the business system extracting a hash value from the second decrypted digital signature document and determining whether the same as the hash value extracted from the digital signature document before the second encryption; And a fifth step of acknowledging the validity of the second decrypted digital signature document by the work system when it is determined that the determination result is the same. Characterized in that it comprises a.

In a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, in the fifth step, the business system transmits the second decrypted electronic signature document to a document storage server. Transmitting the second decrypted digital signature document to a target server so that a follow-up service can be performed; It characterized in that it further comprises.

In a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, when the fifth step is determined to be not the same as the result of the determination, the business processing system uses the electronic signature terminal. And performing a retransmission request for the second encrypted digital signature document, receiving a second encrypted digital signature document regenerated according to the re-entry of the handwritten digital signature, and reconfirming the hash value equality. .

In a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, in the second step, the electronic signature terminal performs the first decryption to perform the first decrypted handwritten type. Performing image processing for generating a virtual transparent window for receiving an electronic signature by a user to the electronic document; (B) receiving, by the electronic signature terminal, the handwritten electronic signature performed by the user with an electronic pen on a virtual transparent window formed at a portion spaced apart from a surface of the signature payment of the handwritten electronic document; And the electronic signature terminal generates the digital signature document imaged as one by performing image processing of merging the handwritten digital signature input into the virtual transparent window and the first decoded handwritten electronic document. (C) extracting a hash value from the signature document; Characterized in that it comprises a.

In a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, the virtual transparent window is a virtual electronic formed on an upper portion spaced apart from the surface of the first decrypted handwritten electronic document. When the electronic signature is performed on the virtual transparent window by an electronic pen by the user, the electronic signature process is tracked in the removable signature tracking unit connected to the electronic signature terminal and inputted to the electronic signature terminal. It is characterized by.

In order to achieve the above object, a business processing system using a handwritten electronic signature on an electronic document during a financial transaction according to an embodiment of the present invention, when receiving an electronic document request for a pre-stored handwritten electronic document, uses a first public key as a first public key. Document providing server to encrypt; After receiving the first encrypted handwritten electronic document from the document providing server, first decrypting using a first private key, outputting the first decrypted electronic document, and receiving a handwritten electronic signature from a user An electronic signature terminal for generating a document, extracting a hash value of the electronic signature document, and encrypting the second signature with a second public key; And receiving a hash value extracted from the second encrypted digital signature document and the digital signature document before the second encryption from the digital signature terminal, and secondly decrypting the second encrypted digital signature document with a second private key. A business system extracting a hash value from a second decrypted digital signature document and acknowledging the validity of the second decrypted digital signature document when the hash value is the same as the hash value extracted from the digital signature document before the second encryption; Characterized in that it comprises a.

In a business processing system using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, the business system is configured to decrypt the second decrypted file to a document storage server when validating the second decrypted electronic signature document. The digital signature document is transmitted and stored, and the second decrypted digital signature document is transmitted to a target server so that subsequent work can be performed.

In a business processing system using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, if the validity of the second decoded electronic signature document is not recognized, the electronic signature terminal And performing a retransmission request for the second encrypted digital signature document, receiving a second encrypted digital signature document regenerated according to the re-entry of the handwritten digital signature, and reconfirming the hash value equality. .

In a business processing system using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, the electronic signature terminal receives the first encrypted handwritten electronic document and then uses a first private key. Encryption / decryption means for first decrypting and encrypting the digital signature document with the second public key; Performing image processing to generate a virtual transparent window for receiving an electronic signature by the user to the first decrypted holographic electronic document, wherein the signature payment of the holographic electronic document is spaced apart from the surface of the virtual document. Image processing means for receiving the handwritten electronic signature performed by the user with the electronic pen on the transparent window and performing the image processing of merging the first decoded handwritten electronic document to generate the digital signature document imaged as one; And hash value extraction means for extracting a hash value on the digital signature document imaged with the one; Characterized in that it comprises a.

In a business processing system using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, the virtual transparent window is a virtual electronic formed on an upper portion spaced apart from the first decrypted handwritten electronic document surface. When the electronic signature is performed on the virtual transparent window by an electronic pen by the user, the electronic signature process is tracked in the removable signature tracking unit connected to the electronic signature terminal and inputted to the electronic signature terminal. It is characterized by.

In a business processing system using a handwritten digital signature on an electronic document during a financial transaction according to another embodiment of the present invention, the first public key and the second public key are the same, and the first private key and the second private key are the same. Is characterized by the same.

In the financial transaction according to an embodiment of the present invention, a business processing system and a business processing method using a handwritten electronic signature on an electronic document, attach a detachable signature tracking unit to an electronic document terminal that can be implemented as a wired or wireless terminal, the signature tracking unit and wired and wireless In the same way as the method of handwritten signature on paper in the habitat of contract documents and payment documents provided in the form of electronic documents using the electronic pen communicating by way Transmit and provide the effect that the contract and settlement of the document are recognized.

In addition, according to another embodiment of the present invention, a business processing system and a business processing method using a handwritten electronic signature on an electronic document during a financial transaction, the electronic document and the handwritten type by applying encryption for the security of the document completed the electronic signature on the electronic document terminal The digital signature is recognized as one data to prevent forgery, and it provides the effect that the forgery can be checked later through the extraction of the digital signature data.

In addition, a business processing system and a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to another embodiment of the present invention, not only financial business such as insurance and banking, Rather than displaying them on a document by inputting them to a separate sign pad, the user can visually print out the electronic documents to be directly signed, so that the user can directly confirm the transaction contract, sign by hand, and preserve the signed form. Provide effect.

1 is a diagram illustrating a business processing system using a handwritten electronic signature on an electronic document during a financial transaction according to an embodiment of the present invention.
2 is a view showing the electronic pen in FIG.
3 is a view showing the configuration of the digital signature terminal in FIG.
4 is a flowchart illustrating a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a detailed description of preferred embodiments of the present invention will be given with reference to the accompanying drawings. In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted when it is deemed that they may unnecessarily obscure the subject matter of the present invention.

In the present specification, when one component 'transmits' data or a signal to another component, the component may directly transmit the data or signal to another component, and through at least one other component. This means that data or signals can be transmitted to other components.

1 is a diagram illustrating a business processing system using a handwritten digital signature on an electronic document during a financial transaction according to an embodiment of the present invention. FIG. 2 is a diagram illustrating the electronic pen 10b of FIG. 1.

1 and 2, a business processing system using a handwritten electronic signature on an electronic document includes an electronic signature terminal 10, an electronic pen 10b, a communication network 20, a document providing server 30, and a business processing system 40. ), The document storage server 50, and the target server 60.

The electronic signature terminal 10 may be formed of a personal computer (PC), a wired terminal such as an IPTV, or a wireless terminal. In this case, the wireless terminal is a device for providing an Internet service including Internet data to a user through a wireless link, which is a comprehensive concept of portable devices. That is, laptops, mobile phones, wireless terminals, personal digital assistants (PDAs), global system for mobile (GSM) phones, wideband CDMA (W-CDMA) phones, CDMA-2000 phones, mobile broadband and system (MBS) phones, and PMP ( And a multimedia phone such as a portable multimedia player, a smart phone, a handheld computer, and the like.

The electronic signature terminal 10 transmits the electronic document request to the document providing server 30 through the communication network 20, thereby returning the first encrypted handwritten electronic document encrypted with the first public key from the document providing server 30. Receive.

The digital signature terminal 10 decrypts the first encrypted handwritten electronic document with a first private key and outputs the first encrypted key, and then generates a virtual transparent window for receiving an electronic signature by the user with the first decrypted handwritten electronic document. Perform image processing to generate.

The electronic signature terminal 10 is a first operation performed by the user with the electronic pen 10b on a portion of the transparent window image formed to be spaced apart from an upper surface of the signature payment field of the first decrypted handwritten electronic document output to the output unit 14. The decrypted handwritten digital signature is input.

The digital signature terminal 10 performs image processing by merging the handwritten digital signature input on the transparent window image and the first decoded handwritten electronic document to generate the digital signature document imaged as one, and then generate the generated digital signature. Extract the hash value from the document.

The digital signature terminal 10 encrypts the digital signature document using the second public key for the second time, and then extracts the hash value extracted from the second encrypted digital signature document and the electronic signature document before the second encryption through the communication network 20. It transmits to the business processing system 40. Here, the second public key is preferably formed to be the same as the first public key used for the first encryption performed in the document providing server 30.

The electronic pen 10b generates an electronic signature through interworking with the removable signature tracking unit 10a formed on the electronic signature terminal 10.

More specifically, the removable signature tracking unit 10a generates and inputs an electronic signature by tracking the signature of the electronic pen 10b. To this end, the detachable signature tracking unit 10a and the electronic pen 10b may be provided with various devices such as ultrasonic wave, ultraviolet ray, infrared ray, and RF trace for tracking. In this embodiment, the ultrasonic wave (Ultrasonic wave) is operated. ) By focusing on identifying the signature of the electronic pen 10b.

To this end, the electronic pen 10b receives a sensor 10b-1 for detecting a motion signal and a detection signal from the sensor 10b-1, and measures the acceleration, speed, position, and pressure of the electronic pen 10b. It includes a microcomputer 10b-2 that computes and extracts features for the signature from it.

In addition, the sensor 10b-1 is in the form of a chip, and has a plurality of springs of fine size, a differential sensing type capacitance cell (dQ / dV), and various flexible driving such as front, rear, left and right. It is possible and consists of electrostatic drive plates for driving the electrostatic force by each flow.

The electronic pen 10b tracks the signing process using ultraviolet rays or infrared rays and receives data to receive the electronic signature of the user.

In summary, the user signs with the electronic pen 10b, and the signature process is tracked by the removable signature tracking unit 10a and input to the electronic signature terminal 10.

The communication network 20 is a communication network that is a high-speed period network of a large communication network capable of a large-capacity, long-distance voice and data service, and may be a next generation wired and wireless network for providing Internet or high-speed multimedia service. When the communication network 20 is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the figure, the mobile communication network 20 may include a Radio Network Controller (RNC). Meanwhile, although the WCDMA network is taken as an example, it may be an IP network based on a next generation communication network such as 3G LTE network, 4G network, or other IP. The communication network 20 mutually transmits signals and data between the electronic signature terminal 10, the document providing server 30, the business processing system 40, the document storage server 50, the target server 60, and other systems. It plays a role.

The document providing server 30 stores the handwritten electronic document as a preliminary step of the business processing service using the handwritten electronic signature on the electronic document.

In response to an electronic document request to the document providing server 30 through the communication network 20 of the electronic signature terminal 10, the document providing server 30 transmits the handwritten electronic document as a preliminary procedure for transmitting to the electronic signature terminal 10. First encryption with the first public key.

The document providing server 30 transmits the first encrypted handwritten electronic document to the electronic signature terminal 10 through the communication network 20.

The business processing system 40 receives the hash value extracted from the electronic signature document 10 from the electronic signature terminal 10 and the digital signature document before the second encryption by the electronic signature terminal 10 through the communication network 20. do.

Accordingly, the business processing system 40 performs a second decryption of the received second encrypted digital signature document with the second private key, and then extracts a hash value from the second decrypted digital signature document. Here, the second private key is preferably formed to be the same as the first private key used for the first decryption performed by the digital signature terminal 10.

The business processing system 40 compares the hash value extracted from the digital signature document before the second encryption from the digital signature terminal 10 with the hash value extracted from the second decrypted digital signature document.

If the two hash values are not the same as the result of the determination, the business processing system 40 performs a retransmission request for the second encrypted electronic signature document to the electronic signature terminal 10 through the communication network 40.

As such, the reason why the hash value extracted from the digital signature document before the second encryption and the hash value extracted from the second decrypted digital signature document is compared with respect to the second encrypted digital signature document in the digital signature terminal 10. Prevents forgery on the electronic signature terminal 10 or on the business processing system 40, and the second encrypted electronics in the process of transmission from the electronic signature terminal 10 to the business processing system 40 through the communication network 20. This is to check whether there is any illegal infiltration of signature documents or illegal activity of unauthorized authority.

On the other hand, when the two hash values are the same as a result of the determination, the business processing system 40 recognizes the validity of the contract and payment of the electronic document, the second digitally decrypted document to the document storage server 50 through the communication network 20 By transmitting the, the second decrypted electronic signature document is stored in the document storage server 50.

In addition, the business processing system 40 transmits the second decrypted electronic signature document to the target server 60, so that the task is performed using the electronic signature document.

The document storage server 50 is a database for storing the second decrypted digital signature document from the business processing system 40.

The target server 60 is a server owned by a group or an institution for performing a subsequent procedure with the second decrypted digital signature document, so that the decrypted digital signature document can be used through access by a plurality of user terminals.

3 is a diagram illustrating the configuration of the electronic signature terminal 10 in FIG. 1.

1 to 3, the electronic signature terminal 10 includes a transceiver 11, a wired / wireless interface 12, an electronic signature module 13, an output unit 14, and a storage unit 15. The wire / wireless interface 12 and a removable signature tracking unit 10a and an electronic pen 10b are detachable.

On the other hand, with respect to the components of the electronic signature module 13 of the above-mentioned electronic signature terminal 10 to look at in detail with respect to the business processing system using the handwritten electronic signature on the electronic document.

The transceiver 11 transmits and receives data and signals to and from the document providing server 30, the business processing system 40, the document storage server 50, and the target server 60 through the communication network 20.

The wired / wireless interface 12 is formed as an interface of a Universal Serial Bus (hereinafter referred to as USB) port when used as a wire, so that the removable signature tracking unit 10a and the electronic pen 10b can be connected and separated.

Meanwhile, when the wired / wireless interface 12 is used wirelessly, the wired / wireless interface 12 transmits and receives data and signals to and from the removable signature tracking unit 10a and the electronic pen 10b through short-range wireless communication such as Bluetooth, Zigbee, and infrared.

The digital signature module 13 includes encryption / decryption means 13a, image processing means 13b, and hash value extraction means 13c.

The encryption / decryption means 13a transmits and receives the electronic document request to the document providing server 30 through the communication network 20, thereby receiving and transmitting the 11 to receive the first encrypted handwritten electronic document from the document providing server 30. ).

Thereafter, the encryption / decryption means 13a first decrypts the first encrypted handwritten electronic document by using the first private key stored in the storage unit! 5 to generate the first decrypted handwritten electronic document.

The image processing means 13b performs image processing for generating a virtual transparent window for receiving an electronic signature by a user with the first decrypted handwritten electronic document output to the output unit 14.

Here, the virtual transparent window means a region for a virtual electronic signature formed on an upper portion spaced apart from the surface of the first decrypted handwritten electronic document output to the output unit 14.

The user signs the virtual transparent window with the electronic pen 10b, and the signature process is tracked in the removable signature tracking unit 10a and input in the form of an electronic signature into the virtual transparent window processed with the image. Accordingly, the signature tracking unit 10a transmits the input digital signature to the image processing means 13b.

That is, the image processing means 13b is a handwriting performed by the user with the electronic pen 10b on a virtual transparent window formed to be spaced upwardly from a surface of a signature payment column of the first decrypted holographic electronic document output to the output unit 14. Type digital signature is input.

The image processing means 13b performs image processing of merging the handwritten digital signature input on the virtual transparent window image and the first decoded handwritten electronic document, thereby generating an imaged digital signature document.

The hash value extracting means 13c extracts the hash value from one imaged digital signature document and transfers it to the encryption / decryption means 13a, thereby storing the digital signature document by the encryption / decryption means 13a. After performing the second encryption with the second public key stored in 15), the transceiver 11 transmits the second encrypted digital signature document and the extracted hash value to the business processing system 40 through the communication network 20. Take control.

4 is a flowchart illustrating a business processing method using a handwritten electronic signature on an electronic document during a financial transaction according to an embodiment of the present invention. 1 to 4, the document providing server 30 stores the handwritten electronic document as a preliminary step of the service (S1).

Then, according to the electronic document request to the document providing server 30 through the communication network 20 of the electronic signature terminal 10 (S2), the document providing server 30 as a pre-procedure to transmit to the electronic signature terminal (10) The handwritten electronic document is first encrypted with the first public key (S3).

After step S3, the document providing server 30 transmits the first encrypted handwritten electronic document to the electronic signature terminal 10 through the communication network 200 (S4).

After step S4, the digital signature terminal 10 first decrypts the first encrypted handwritten electronic document using the first private key (S5).

After step S5, the electronic signature terminal 10 performs image processing for generating a virtual transparent window for receiving an electronic signature by the user to the first decrypted handwritten electronic document (S6).

Here, the virtual transparent window means an area for a virtual electronic signature formed on an upper portion spaced apart from the first decrypted handwritten electronic document surface, and the user signs the area with the electronic pen 10b. The signature process is tracked in the removable signature tracking unit 10a and input to the digital signature terminal 10.

After the step S6, the electronic signature terminal 10 receives the handwritten digital signature performed by the user with the electronic pen 10b on the transparent window image portion spaced upward from the surface of the signature payment column of the electronic document (S7). .

After step S7, the electronic signature terminal 10 performs image processing of merging the handwritten electronic signature inputted on the transparent window image with the first decoded handwritten electronic document in step S5. After generating the signature document, a hash value is extracted from the generated digital signature document (S8).

After step S8, the digital signature terminal 10 encrypts the digital signature document using the second public key (S9). In operation S9, the second encrypted digital signature document and the hash value extracted in operation S8 are transmitted to the business processing system 40 through the communication network 20 (S9).

Accordingly, the business processing system 40 decrypts the second encrypted digital signature document received in step S9 using the second private key (S11), and then, in step S11, the second decrypted digital signature document is decrypted. Hash value is extracted (S12).

After step S12, the business processing system 40 compares the hash value received in step S10 with the hash value in step S12 (S13).

As a result of the determination in step S13, if the hash values are not the same (NO in S14), the business processing system 40 transmits the second encrypted digital signature document to the electronic signature terminal 10 through the communication network 40. By performing the request for retransmission, steps S6 to S13 are repeated (S15).

On the other hand, if the hash value is the same as the determination result of step S13 (YES in S14), the business processing system 40 sends the second decrypted electronic signature document to the document storage server 50 through the communication network 20 By transmitting (S15), it is stored (S16).

Simultaneously with or after step S15 and step S16, the business processing system 40 transmits the second decrypted digital signature document to the target server 60 (S17), whereby the task is executed using the electronic signature document. To be performed (S18).

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like, which are also implemented in the form of carrier waves (eg, transmission over the Internet). It also includes.

The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

As described above, the present specification and drawings have been described with respect to preferred embodiments of the present invention, although specific terms are used, it is only used in a general sense to easily explain the technical contents of the present invention and to help the understanding of the present invention. It is not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

10: Digital signature terminal 10a: Removable signature tracking unit
10b: electronic pen 10b-1: sensor
10b-2: Microcomputer 11: Transceiver
12: wired / wireless interface 13: electronic signature module
14: output unit 15: storage unit
20: communication network 30: document providing server
40: business processing system 50: document storage server
60: target server

Claims (11)

In response to a request for an electronic document from a document providing server of an electronic signature terminal, a first step of the document providing server first encrypting a pre-stored handwritten electronic document with a first public key and transmitting the encrypted electronic document to the electronic signature terminal;
The digital signature terminal first decrypts the first encrypted handwritten electronic document using a first private key, outputs the first decrypted electronic document, receives a handwritten digital signature from a user, and generates an electronic signature document. A second step of extracting a hash value of the digital signature document and then encrypting it with a second public key;
After the business system receives the hash value extracted from the second encrypted digital signature document and the electronic signature document before the second encryption from the digital signature terminal, the second encrypted digital signature document is converted into a second private key. A third step of decoding;
A fourth step of the business system extracting a hash value from the second decrypted digital signature document and determining whether the same as the hash value extracted from the digital signature document before the second encryption; And
A fifth step of acknowledging the validity of the second decrypted digital signature document by the work system when it is determined to be the same in the fourth step; Including,
The first public key and the second public key are the same, the first private key and the second private key are the same,
The fifth step,
Transmitting, by the work system, the second decrypted digital signature document to a document storage server, and transmitting the second decrypted digital signature document to a target server so that a follow-up work can be performed; More,
If it is determined in the fifth step that the determination result is not the same, the work system performs a retransmission request for the second encrypted digital signature document to the digital signature terminal and reproduces the data according to the rewriting of the handwritten digital signature. 2) A method for processing a business using a handwritten digital signature on an electronic document during a financial transaction, comprising repeating a process of receiving an encrypted digital signature document again and reconfirming the hash value identity.
delete delete The method of claim 1, wherein the second step,
(A) performing, by the electronic signature terminal, the first decoding to generate a virtual transparent window for receiving an electronic signature by the user to the first decrypted handwritten electronic document;
(B) receiving, by the electronic signature terminal, the handwritten electronic signature performed by the user with an electronic pen on a virtual transparent window formed at a portion spaced apart from a surface of the signature payment of the handwritten electronic document; And
The digital signature terminal performs the image processing of merging the handwritten digital signature input into the virtual transparent window and the first decrypted handwritten electronic document to generate the digital signature document imaged as one, and then the digital signature. (C) extracting a hash value on the document; Business processing method using a handwritten electronic signature on the electronic document during the financial transaction comprising a.
The method of claim 4, wherein the virtual transparent window,
An area for a virtual electronic signature formed on an upper surface spaced apart from the surface of the first decrypted handwritten electronic document. When the electronic signature is performed on the virtual transparent window with an electronic pen by the user, the electronic signature process is performed. And a handwritten electronic signature on an electronic document during a financial transaction, which is tracked in a removable signature tracking unit connected to an electronic signature terminal and inputted to the electronic signature terminal.
A document providing server configured to first encrypt a first public key with a first public key upon receiving an electronic document request for a pre-stored handwritten electronic document;
After receiving the first encrypted handwritten electronic document from the document providing server, first decrypting using a first private key, outputting the first decrypted electronic document, and receiving a handwritten electronic signature from a user An electronic signature terminal for generating a document, extracting a hash value of the electronic signature document, and encrypting the second signature with a second public key; And
Receiving a hash value extracted from the second encrypted digital signature document and the second digital signature document before the second encryption from the digital signature terminal, and secondly decrypting the second encrypted digital signature document with a second private key; A business system for extracting a hash value from the decrypted digital signature document and acknowledging the validity of the second decrypted digital signature document if it is the same as the hash value extracted from the digital signature document before the second encryption; Including,
The work system,
When the second decrypted digital signature document is valid, the second decrypted digital signature document is transmitted and stored to a document storage server, and the second decrypted digital signature document is transmitted to a target server so that subsequent work can be performed. If the validity of the second decrypted digital signature document is not recognized, the second digital signature regenerated by re-entering the handwritten digital signature is performed by performing a retransmission request for the second encrypted digital signature document. A business processing system using a handwritten electronic signature on an electronic document during a financial transaction, characterized by repeating a process of rechecking the hash value equality by receiving an encrypted digital signature document.
delete delete The method of claim 6, wherein the electronic signature terminal,
Encrypting / decrypting means for receiving the first encrypted handwritten electronic document, first decrypting using a first private key, and second encrypting the electronic signature document with the second public key;
Performing image processing to generate a virtual transparent window for receiving an electronic signature by the user to the first decrypted holographic electronic document, wherein the signature payment of the holographic electronic document is spaced apart from the surface of the virtual document. Image processing means for receiving the handwritten electronic signature performed by the user with the electronic pen on the transparent window and performing the image processing of merging the first decoded handwritten electronic document to generate the digital signature document imaged as one; And
Hash value extraction means for extracting a hash value on the digital signature document imaged with the one; Business processing system using a handwritten electronic signature on the electronic document during the financial transaction comprising a.
The method of claim 9, wherein the virtual transparent window,
An area for a virtual electronic signature formed on an upper surface spaced apart from the surface of the first decrypted handwritten electronic document. When the electronic signature is performed on the virtual transparent window with an electronic pen by the user, the electronic signature process is performed. A business processing system using a handwritten electronic signature on an electronic document during a financial transaction, which is tracked in a removable signature tracking unit connected to an electronic signature terminal and input to the electronic signature terminal.
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