KR101789298B1 - Autograph verification system and method using identification code - Google Patents

Abstract

An autograph verification system and method using an identification code are disclosed. According to an embodiment, the present invention provides an autograph terminal, which is an electronic terminal having an electronic document generation application according to an autograph. The autograph terminal comprises a basic document management part for displaying a basic document for a financial transaction, which is transmitted from a document server by request; an autograph input part for inputting an autograph corresponding to the autograph field of the basic document; a feature value extracting part for extracting a feature value for the autograph; an identification code generating part for generating an identification code including the feature value; and a signature document generation part for generating an electronic signature document by embedding the autograph image of the autograph and the identification code at a predetermined position in the basic document and transmitting the generated electronic signature document to the document server. It is possible to facilitate identification verification.

Description

Technical Field [0001] The present invention relates to an autograph verification system and method using identification codes,

The present invention relates to a system and method for verifying an autograph signature using an identification code.

As the IT technology such as electronic devices and communication develops, various tasks are processed electronically, and financial transactions such as commerce and insurance contracts such as purchase and sale, and account opening are also carried out electronically. As a result, business processes are changing in a way that uses an existing paper document and a method that uses an electronic document.

In the case of using paper documents, it is easy to verify forgery and falsification, but there is a disadvantage that it takes a lot of cost to search, distribute and store documents.

When an electronic document is used, distribution and storage are performed through an electronically constructed system or the like. In the case of an electronic document, retrieval is easy and quick processing is possible, but there is a problem that forgery and falsification and copying are easy.

When a paper document and an electronic document are used together, it is widely used in a financial transaction for writing a contract (or a contract). First, a paper document is created and an electronic document is generated by scanning the paper document. This creates both paper documents and electronic documents, which makes the storage redundant, which increases the cost and risk of forgery and duplication.

Korean Patent Publication No. 10-2013-0138967 (published on December 20, 2013) - Digital signature system using touch screen terminal and method thereof

When the handwritten signature required for an electronic document is inputted, not only the handwritten signature image but also the identification code including the feature information of the handwritten signature are inserted into the electronic document together with the handwritten signature inputted in the customer confirmation process, And to provide a handwritten signature verification system and method using an identification code that can be verified and facilitate identity verification.

The present invention provides a system and method for handwritten signature verification using an identification code capable of preventing non-repudiation (non-repudiation) of a signer in a later verification process by converting environmental information such as location, time, and device at the time of inputting a handwritten signature into an identification code .

Other objects of the present invention will become more apparent through the following preferred embodiments.

According to an aspect of the present invention, there is provided an electronic terminal equipped with an electronic document generation application according to a handwritten signature, the electronic terminal including: a basic document management unit displaying a basic document for a financial transaction requested and transmitted to a document server; A handwritten signature input unit for inputting a handwritten signature corresponding to a signature input field of the basic document; A feature value extracting unit for extracting feature values of the handwritten signature; An identification code generation unit for generating an identification code including the feature value; And a signature document generation unit for generating an electronic signature document by embedding the handwritten signature image of the handwritten signature and the identification code at a predetermined position in the basic document, and transmitting the generated electronic signature document to the document server. Wherein the feature value includes at least one of contact information including at least one of a line flow, a line shape, a contact count, and a contact position in accordance with movement of the touching means when the handwritten signature is input, The size and the ratio of the slope, the slope, the touch pressure, and the thickness of the line. Alternatively, the feature value may include position information including GPS coordinates of the position where the handwritten signature is performed or indoor position coordinates measured by using Wi-Fi, a time including the date and time of performing the handwritten signature, And signature information of the signature terminal to which the handwritten signature is input, wherein the environmental signature includes at least one feature value of at least one of signature information .

According to another aspect of the present invention, there is provided an electronic terminal equipped with a handwritten signature verification application, the handwritten signature image corresponding to an electronic signature document stored in a document server and an identification code, Wherein the electronic signature document is an electronic document in which a legal action is performed by a handwritten signature corresponding to a handwritten signature image, the identification code including a reference feature value corresponding to the handwritten signature, ; An identification code analysis unit for analyzing the identification code image data and extracting the reference feature value contained in the identification code; A signature input unit for inputting a signature for confirmation; A comparison unit for determining the similarity between the plurality of comparison items and the characteristic value of the verification signature and the reference characteristic value; And an authentication performing unit that determines that the verification signature is the same as the handwritten signature and performs the identity authentication only when all of the plurality of comparison items are determined to be PASS as a result of the determination by the comparison unit And a verification terminal using the identification code.

Wherein the comparison unit comprises: a flow comparison module for comparing the direction of the movement of the touching means with the flow of the lines included in the signature when the signature is inputted; A shape comparison module for segmenting the input signature into strokes and comparing movement distances of the strokes at points where the strokes end; A contact comparison module for comparing at least one of contact information with the number of times the touching means touches the touch screen panel while the signature is being input; An acceleration / speed comparison module for comparing an instantaneous movement speed of the touch means during a predetermined time interval when a signature is input; A magnitude comparison module for comparing at least one of a horizontal size and a vertical size of the entire image of each signature with respect to the handwritten signature and the confirmation signature; A ratio comparison module for comparing the ratio between the width and the height of the entire image of each signature with respect to the handwritten signature and the confirmation signature; A pressure comparison module that compares a touch pressure of a user measured while a signature is input when a signature is input; And a coordinate comparison module for comparing the error values of the positional information of the coordinates according to the line flow.

Wherein the comparison unit makes a pass (PASS) or a non-pass determination according to whether or not the degree of similarity is set in advance for each of the comparison items, and the authenticity determination unit determines that the signature verification fails .

According to another aspect of the present invention, there is provided a method of generating an electronic document using a handwritten signature and an identification code, the method comprising: displaying a basic document for a financial transaction, Receiving a handwritten signature corresponding to a signature field of the base document; Extracting feature values for the handwritten signature; Generating an identification code including the feature value; And embedding the handwritten signature image of the handwritten signature and the identification code in a predetermined position in the base document to generate an electronic signature document and transmitting the generated electronic signature document to the document server. Wherein the feature value includes at least one of contact information including at least one of a line flow, a line shape, a contact count, and a contact position in accordance with movement of the touching means when the handwritten signature is input, The size and the ratio of the slope, the slope, the touch pressure, and the thickness of the line. Alternatively, the feature value may include position information including GPS coordinates of the position where the handwritten signature is performed or indoor position coordinates measured by using Wi-Fi, a time including the date and time of performing the handwritten signature, And signature information of the signature terminal to which the handwritten signature is input, wherein the environmental signature includes at least one feature value of at least one of signature information .

According to another aspect of the present invention, there is provided a method for authenticating a digital signature, comprising the steps of: capturing an identification code for an object printed with a digital signature image and an identification code corresponding to an electronic signature document stored in the document server, Wherein the electronic signature document is an electronic document in which legal action is performed by a handwritten signature corresponding to a handwritten signature image, the identification code including a reference feature value corresponding to the handwritten signature; Analyzing the identification code image data to extract the reference feature value contained in the identification code; Receiving a signature for confirmation; Judging the similarity of each of the plurality of comparison items to the feature value of the confirmation signature and the reference feature value individually; And a step of determining that the verification signature is the same as the handwritten signature and performing the identity authentication only when all of the plurality of comparison items are judged to be PASS as a result of the determination by the comparison unit A verification method using an identification code is provided.

Wherein the similarity determination step comprises the steps of: comparing the direction of the movement of the touching means when the signature is inputted; Segmenting the input signature into strokes and comparing the stroke distance of strokes at the end of strokes; Comparing the number of times the touching means contacts the touch screen panel and the contact information of at least one of the contacting positions while the signature is being input; Comparing a momentary movement speed of the touch means during a predetermined time interval when a signature is input; Comparing at least one of a horizontal size and a vertical size of the entire image of each signature with respect to the handwritten signature and the confirmation signature; Comparing the horizontal and vertical ratios of the entire image of each signature with respect to the handwritten signature and the confirmation signature; Comparing the measured touch pressure of the user during the input of the signature when entering the signature; And comparing the error value of the positional information of the coordinates according to the flow of the line.

Wherein the similarity determination step determines a pass or a non-pass according to whether the degree of similarity exceeds a degree of similarity set in advance for each of the comparison items. In the step of performing the identity authentication, It can be determined that the verification has failed.

Other aspects, features, and advantages will become apparent from the following drawings, claims, and detailed description of the invention.

According to the present invention, when a handwritten signature required for an electronic document is inputted, an identification code including not only the handwritten signature image but also feature information of the handwritten signature is inserted into the electronic document together with the handwritten signature, The verification can be performed without connection and it is possible to facilitate the identity verification.

Further, by converting the environment information such as the position, time, and the device at the time of inputting the handwritten signature into the identification code, it is possible to prevent the non-repudiation of the signer in the later confirmation process.

FIG. 1 is a diagram showing a schematic configuration of an electronic document management system using a handwritten signature and an identification code according to an embodiment of the present invention;
2 is a block diagram showing a schematic configuration of a signature terminal according to an embodiment of the present invention;
3 is a flowchart of a method of generating an electronic document in a signature terminal according to an embodiment of the present invention;
4 is a diagram showing a process of generating and embedding a handwritten signature and an identification code,
5 is a block diagram showing a schematic configuration of a verification terminal according to an embodiment of the present invention;
FIG. 6 is a flowchart of a handwritten signature verification method in a verification terminal according to an embodiment of the present invention;
7 is a diagram illustrating a configuration of comparison modules included in a comparison unit;
8 is a diagram showing an example of a comparison item and a determination result;

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises" or "having" and the like refer to the presence of stated features, integers, steps, operations, elements, components, or combinations thereof, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

It is to be understood that the components of the embodiments described with reference to the drawings are not limited to the embodiments and may be embodied in other embodiments without departing from the spirit of the invention. It is to be understood that although the description is omitted, multiple embodiments may be implemented again in one integrated embodiment.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

FIG. 1 is a diagram showing a schematic configuration of an electronic document management system using a handwritten signature and an identification code according to an embodiment of the present invention.

The electronic document management system 1 according to an embodiment of the present invention receives a handwritten signature through a signature terminal with respect to a document (for example, a contract, an agreement, etc.) requiring a handwritten signature, An electronic document embedded with the identification code generated using the feature information is generated and used for business. In addition, in the process of outputting the generated electronic signature document or transferring the issued document to the contractor in response to the same, the identification code printed on the object is analyzed using the verification terminal, so that the verification signature And confirms the authenticity of the user.

The electronic document management system 1 basically includes a document server 10, a signature terminal 30, and a business server 20. The verification terminal 40 may be further included in the document delivery process. Here, the document server 10, the signing terminal 30, and the business server 20 may be connected to each other through the communication network 50.

The document server 10 includes a basic document DB 11 for storing basic documents related to various contracts and agreements used in financial transactions and the like, a signature storing an electronic signature document having a self-signed signature by a signature terminal 30 And a document DB 12.

The signing terminal 30 is an electronic terminal for receiving a handwritten signature from a contractor at the time of a contract on financial transactions, and an electronic document creation application can be installed and operated. Here, the electronic terminal may be a smart phone, a mobile communication terminal, a personal digital assistant (PDA) equipped with an operating system capable of operating a hardware interlocking SNS application or a mobile web connection, An assistant, a general-purpose personal computer (PC), a notebook PC, a tablet PC, and the like.

The signing terminal 30 transmits a basic document request for the financial transaction agreement to the document server 10 via the communication network 50. [ The document server 10 searches the basic document DB 11 according to a request from the signatory terminal 30 and transmits a basic document corresponding to the request to the signatory terminal 30. [ Here, the base document can be encrypted with a predetermined encryption key for transmission.

The signing terminal 30 displays the received basic document on the terminal screen in response to the request. If the transmitted basic document is encrypted, it can be decrypted with a predetermined decryption key.

The signature terminal 30 receives the handwritten signature, generates an electronic signature document in which the handwritten signature is completed and the signature is embedded into the base document by using the handwritten signature image and the identification code including the signature signature value according to the signature of the user .

The generated signature document is transmitted from the signature terminal 30 to the document server 10, and the document server 10 stores the signature document in the signature document DB 12. At this time, the signature document can be encrypted with a predetermined encryption key for transmission, and the document server 10 can decrypt it with a predetermined decryption key.

The business server 20 analyzes the signature document so that the financial transaction corresponding to the signature document transmitted from the signature terminal 30 to the document server 10 can be performed, and performs a predetermined business process. For example, when the signature document is an insurance contract, the contract information such as the insured person, the insured person, the contract amount, and the contract date is extracted through image processing on the signature document, and the handwritten signature is performed based on the extracted contract information Allows a user (insured) to be insured.

The signature document according to the present embodiment exists electronically, and it may be necessary to output the signature document as a paper document to deliver the real thing to the user. In this case, the output paper document may be embedded with the handwritten signature image and the identification code. Alternatively, the handwritten signature image and the identification code may be printed together with the card (credit card, membership card, etc.) issued to the contractor in accordance with the financial transaction, in addition to the paper document.

In this case, the verification terminal 40 possessed by the transmitter is an electronic terminal that performs identity verification through a handwritten signature in the process of delivering a real object (paper document, card, etc.) to a contractor at the time of contract for financial transactions, Can be installed and driven. Here, the electronic terminal is a terminal capable of installing an application or capable of accessing a mobile web, for example, a smart phone, a mobile communication terminal, a PDA, a general-purpose PC equipped with an operating system capable of running a hardware interlocking SNS application, , A notebook PC, a tablet PC, or the like.

The sender can acquire the feature value related to the handwritten signature input by the contractor at the time of the financial transaction contract by photographing the identification code printed on the real by using the verification terminal 40. [ When the recipient inputs a signature for confirmation, the identity of the signature for verification is compared with the feature value obtained from the identification code by the parallel processing technique using the AND condition calculation method to determine the identity of the handwritten signature, Thus allowing the recipient to perform identity verification.

Hereinafter, the configurations and functions of the signature terminal and the verification terminal will be described in detail with reference to the related drawings.

2 is a block diagram illustrating a schematic configuration of a signature terminal according to an embodiment of the present invention, FIG. 3 is a flowchart of a method of generating an electronic document in a signature terminal according to an embodiment of the present invention, And generating and embedding a signature and an identification code.

The signing terminal 30 according to the embodiment of the present invention may include an electronic signature that embeds an identification code having feature information on a handwritten signature along with a handwritten signature image for a document (for example, a contract, an agreement, etc.) And stores the generated document in the document server 10. In addition, in order to obtain the validity of the document, an electronic document is generated by embedding the features of the signature itself and the characteristics of the signature environment in addition to the image of the handwritten signature inputted by the contractor (or the resolver) It is possible to prevent non-repudiation by the user.

2, the signature terminal 30 according to the present embodiment includes a basic document management unit 31, a handwritten signature input unit 33, a feature value extraction unit 35, an identification code generation unit 37, (39).

The basic document management unit 31 requests the document server 10 for a basic document for a financial transaction contract through the communication network 50 and receives a basic document from the document server 10 in response to the request, (Step S100). Here, the basic document may be a document related to a financial transaction contract in which a signature field requiring a handwritten signature of the contractor is provided.

When the basic document is encrypted with a predetermined encryption key (e.g., a public key), the basic document management unit 31 encrypts the encrypted basic document using a decryption key (e.g., a private key) corresponding to the encryption key It can be decoded.

The handwritten signature input unit 33 receives the handwritten signature of the financial transaction contractor corresponding to the signature field in the basic document displayed on the terminal screen (step S105).

The handwritten signature input unit 33 may display the input window for receiving the handwritten signature by the financial transaction contractor so as to be overlapped or displayed in a separate space with respect to the basic document displayed on the terminal screen.

In the present embodiment, the handwritten signature input unit 33 may be a touch screen panel provided in the electronic terminal, and may input a handwritten signature using a touch input method using a finger or a stylus.

The feature value extracting unit 35 extracts the feature value of the handwritten signature input through the handwritten signature input unit 33 (step S110).

The feature value for the handwritten signature may include a line flow, a line shape, a contact count and / or a contact position, an acceleration / velocity, a size and a ratio of a signature, a slope, a touch pressure, A signature feature value such as the thickness of a line, and the like. The signature feature value becomes a reference feature value used as a comparison item at the time of verification of the recipient.

In addition, the feature value (environment feature value) for the environment in which the self-signature is performed as the feature value for the handwritten signature may be included. The environmental feature value may include the location where the handwritten signature was performed, the time at which the handwritten signature was performed, and information about the device that performed the handwritten signature. The location information may be GPS coordinates measured through a GPS module or indoor location coordinates measured using Wi-Fi. The time information may include the date and hour and minute that the handwritten signature was performed. The device information is identification information for identifying the signature terminal 30 that has received the handwritten signature, and may be SIM (Subscriber Identification Module) information, for example.

The identification code generation unit 37 generates an identification code using the feature value extracted by the feature value extraction unit 35 (step S115). The identification code may be a bar code or a QR code (Quick Response code).

The identification code may include at least one of the feature values extracted by the feature value extracting unit 35, that is, the signature feature value and the environmental feature value.

The signature document generation unit 39 generates a signature signature image 60 indicating the shape of the handwritten signature inputted through the handwritten signature input unit 33 and the identification code 70 generated in the identification code generation unit 37 as a basic document 80) to generate an electronic signature document embodied as one image (step S120).

Here, the handwritten signature image may be resized and embedded so that the shape of the handwritten signature inputted through the handwritten signature input unit 33 matches the size of the signature input field provided in the base document.

The electronic signature document generated by the signature document generation unit 39 may be transmitted to the document server 10 via the communication network 50 and stored in the signature document DB 12. [ In addition, the electronic signature document is transmitted to the business server 20, and it is possible to perform a predetermined financial transaction (for example, insured, non-face-to-face account, credit card ) Issuance) can be made.

According to the signature terminal 30 according to the present embodiment, not only the handwritten signature image but also the characteristics of the signature itself and the identification code reflecting the situation at the time of signature are embedded in the electronic signature document to prevent forgery and falsification, One verification can be made.

This solves the problem that it is difficult to confirm or verify whether the signature is the signature of the contractor himself or herself when the authenticity of the document is in question, as compared with the existing method in which the signature is attached to the signature document simply as an image.

Among the characteristic values included in the identification code, the environmental characteristic value relates to information on a specific environment in which a handwritten signature, that is, a legal act is performed, and can prevent the contractor from denying legal action on financial transactions Let's do it.

When the contractor denies the signing of the handwritten signature, the environment characteristic value is extracted from the identification code embedded in the signature document and interpreted, so that it is possible to estimate the situation at the time when the handwritten signature act corresponding to the legal act is performed. For example, by proving the place and time at which the handwritten signature was performed, identifying the handwritten signature device and proving its relevance, the contractor would be deemed to have performed normal legal acts, Or to replace private certificates.

Next, the verification terminal 40 will be described.

FIG. 5 is a block diagram showing a schematic configuration of a verification terminal according to an embodiment of the present invention, FIG. 6 is a flowchart of a method of verifying a handwritten signature in a verification terminal according to an embodiment of the present invention, FIG. 8 is a diagram showing an example of a comparison item and a determination result. FIG.

The verification terminal 40 according to the present embodiment outputs a signature document in which a handwritten signature image and an identification code are embedded and delivers the signature document to a paper document or prints a handwritten signature image and an identification code on a credit card, A paper document, a card, or the like), and analyzes the handwritten signature inputted by the recipient based on the obtained data, thereby confirming whether or not the recipient is the principal of the contractor.

5, the verification terminal 40 includes a photographing section 41, an identification code analyzing section 43, an identifying signature input section 45, a comparing section 47, and an authentication performing section 49.

The photographing section 41 photographs an identification code printed on a real object (e.g., a paper document) to obtain identification code image data. The photographing unit 41 may be a camera provided in the verification terminal 40. The photographing unit 41 may be configured such that photographing is carried out when the self-signed signature verification application installed in the verification terminal 40 is activated and the optimum identification code image data can be obtained through a scan without any additional user input.

The identification code analyzer 43 analyzes the identification code image data and extracts a feature value (reference feature value) about the handwritten signature contained in the identification code. The feature value to be extracted may be a signature feature value, and is signature attribute data corresponding to the handwritten signature (contract handwritten signature) input when the electronic signature document is generated. The feature value extracted as a result of the analysis of the identification code image data becomes a reference value at the time of comparison in the comparator 47 in the future.

The confirmation signature input unit 45 receives the confirmation signature from the recipient. The verification signature is a self-signed signature to confirm that the recipient is the contractor.

The confirmation signature input unit 45 is an input window displayed on the terminal screen for receiving a confirmation signature, and may be implemented on a touch screen panel provided in the electronic terminal. A signature for confirmation can be received by a touch input method using a touching means such as a finger or a stylus.

The comparison unit 47 compares whether or not the confirmation signature inputted through the confirmation signature input unit 45 is a handwritten signature corresponding to the reference feature value extracted by the identification code analysis unit 43. [

The comparator 47 performs individual and independent similarity determination for various comparison items according to the feature value. 7, the flow comparison module 310, the shape comparison module 320, the contact comparison module 330, the acceleration / speed comparison module 340, the size comparison module 350, the ratio comparison module 360, A tilt comparison module 370, a pressure comparison module 380, and a coordinate comparison module 390.

The comparison unit 47 may add the comparison item according to the development of the hardware and software in order to minimize the error rate of the signature comparison.

When the handwritten signature is inputted, the flow comparison module 310 regards the direction of the movement of the touching means as a flow of the line included in the handwritten signature, and the flow of the line in the confirmation signature and the similarity of the line flow items acquired in the identification code Compare.

The shape comparison module 320 segments the inputted handwritten signature into a stroke, sees the stroke distance of the stroke at the end of the stroke as a line shape, and displays the shape of the line in the confirmation signature and the line shape item Compare the similarities.

The contact comparison module 330 may compare the similarity of the number of times the touching means contacts the signature inputting portion and / or the information on the position while the handwritten signature is input. For example, the number of times the touching means touches (or the number of times of falling from the screen) during the handwritten signature is made, and the position (coordinates) in which the touching means makes contact is included as the contact information.

When the handwritten signature is input, the acceleration / speed comparison module 340 refers to the speed information (acceleration or speed) of the instantaneous movement speed of the touch means for a predetermined time period and acquires the speed information in the confirmation signature and the identification code Compare the similarity of one speed item.

The size comparison module 350 compares the similarity of the size items obtained from the horizontal size and / or vertical size and the identification code among the entire images extracted for the confirmation signature.

The ratio comparison module 360 compares the aspect ratio of the ratio items obtained from the identification code with the aspect ratio of the entire image extracted for the verification signature.

The slope comparison module 370 regards the degree of inclination of the signature input portion when inputting the handwritten signature as a device slope, and compares the slope obtained from the identification code with the slope extracted from the verification signature.

The pressure comparison module 380 compares the touch pressure of the user measured during the input of the handwritten signature at the signature input part when the handwritten signature is input, and compares the pressure extracted from the verification signature with the pressure item obtained from the identification code . In this case, the touch pressure may be replaced by the thickness of the line for the handwritten signature.

The coordinate comparison module 390 compares the error value of the positional information of the coordinate according to the flow of the line when the handwritten signature is input.

Each comparison module included in the comparator 47 makes a pass (PASS) or a non-pass (PASS) determination based on whether or not the comparison item exceeds a predetermined similarity level.

The level of similarity may be set the same for each comparison module or may be set differently for each comparison module. For example, in FIG. 8A, the degree of similarity for each comparison item is set to be equal to 30%, but this is only one embodiment, and if necessary, . ≪ / RTI > At this time, when the reliability of individual authentication is to be enhanced, the similarity level of individual comparison items may be set higher than the default level.

The comparison modules operate independently of each other, and the comparison result in any one module does not affect other comparison modules.

The authentication performing unit 49 determines whether or not the verification signature is authentic based on the similarity determination result determined by the comparison unit 47. [ Based on the determination result, it can be determined whether or not the recipient who has input the confirmation signature is the same person as the contractor who has input the handwritten signature at the time of the contract.

The similarity determination result in a plurality of comparison items is used in parallel when the authentication performing unit 49 determines the authenticity of the verification signature. For example, in most of the comparison modules, the results are shown to have a high similarity. However, when one or more comparison modules have a low similarity lower than the reference, they may be regarded as having similarity when they are averaged. However, It is determined that the handwritten signatures are different from each other based on the parallel processing technique.

For example, as shown in (b) of FIG. 8, only when the pass determination is made for all comparison items, the authentication performing unit 49 regards the confirmation signature as the same as the handwritten signature at the time of the contract, It can be determined that the signature is a handwritten signature by the user. In this case, the user who performed the handwritten signature will be identified as the user.

8 (c), when the non-pass determination is made with respect to some comparison items (the "line shape" item in FIG. 8 (c)), the authentication performing unit 49 determines that the verification signature It can be determined that the handwritten signature is different from the handwritten signature at that time and is not a handwritten signature by a genuine user. The authentication of the handwritten signature has failed and the user will be regarded as having failed to finally confirm the identity.

The authentication performing unit 49 may selectively activate only a part of a plurality of comparison modules included in the comparison unit 47 in determining whether the signature for verification is true or false.

In this case, it is determined that the identity verification is successful only when the pass determination is made for all the comparison items corresponding to the selected comparison module, and if the non-pass determination is made even for one item, the identity verification is considered to have failed.

According to this embodiment, it is impossible to satisfy the degree of similarity for all of the subdivided comparison items in the process of mimicking the handwritten signature similarly by others, and thus it can be highly reliable.

In addition, with respect to individual comparison items, it is possible to improve the operation speed and reduce the weight of the arithmetic processing unit by lowering the degree of similarity to be compared and to easily apply it to a terminal such as a smart phone.

A case where the electronic document management system according to the present embodiment is applied will be described as follows.

A first example is when an insurance contract is created using an insurance agent's tablet PC. At the time of the contract, the principal document is checked through the insurance agent's tablet PC, and the customer enters the handwritten signature on the tablet PC. An identification code including the characteristics of the handwritten signature image and the handwritten signature is embedded in the base document to generate an electronic signature document and the signature can be sent to the document server to complete the contract.

When the contract is confirmed, the customer's signature document stored in the document server is output as paper. And it shoots the identification code printed on the paper with the camera of the tablet PC or the smartphone with the verification application installed. Through the interpretation of the photographed identification code, the characteristic information of the customer signature can be input to the verification application. Then, when the customer enters the confirmation signature on the tablet PC or smartphone, the characteristic signature of the customer signature is compared with the signature characteristic of the newly inputted customer confirmation according to the handwritten signature verification algorithm, You can check if it is correct.

As a second example, an insurance contract may be created in a non-facing manner. When you send a basic document to the customer's smartphone at the time of contract, the customer enters the handwritten signature on his smartphone after confirming the basic document. An electronic signature document in which an identification code based on the handwritten signature image and the feature information of the handwritten signature is embedded in the base document is automatically generated and can be transmitted to the document server.

When the contract is confirmed, the signature document of the customer stored in the document server is outputted as paper, and the identification code printed on the paper is photographed by the camera of the tablet PC or the smartphone equipped with the verification application. Through the interpretation of the photographed identification code, the characteristic information of the customer signature can be input to the verification application. Then, when the customer enters the confirmation signature on the tablet PC or smartphone, the characteristic signature of the customer signature is compared with the signature characteristic of the newly inputted customer confirmation according to the handwritten signature verification algorithm, You can check if it is correct.

As a third example, a case of issuing a credit card or a membership card will be described. Upon issuance, the customer automatically signs the smartphone and transmits an identification code including the handwritten signature image and feature information of the handwritten signature to the document server. And issue a credit (membership) card printed with the handwritten signature image and the identification code.

At the time of later use (verification), the identification code printed on the credit (membership) card is photographed by the smartphone, and signature information of the signature is extracted. When the customer performs the handwritten signature, the authenticity of the handwritten signature can be verified by comparing with the extracted feature information.

In addition, when the same customer performs a plurality of financial transactions for the same financial institution, the identification code may be used to check whether the individual signature inputted by each financial transaction is a signature by the same person.

The above-described electronic document generation method and the handwritten signature verification method according to the present embodiment can be implemented as computer-readable codes on a computer-readable recording medium. The computer-readable recording medium includes all kinds of recording media storing data that can be decoded by a computer system. For example, it may be a ROM (Read Only Memory), a RAM (Random Access Memory), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, or the like. In addition, the computer-readable recording medium may be distributed and executed in a computer system connected to a computer network, and may be stored and executed as a code readable in a distributed manner.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

1: Electronic document management system using handwritten signature and identification code
10: document server 20: business server
30: Signature terminal 40: Verification terminal
31: basic document management unit 33: handwritten signature input unit
35: Feature value extracting unit 37: Identification code generating unit
39: signature document generation unit 41: photographing unit
43: Identification code analyzer 45: Identification signature input unit
47: comparison unit 49: authentication performing unit

Claims (12)

A signature terminal having an electronic document creation application according to a handwritten signature,
A basic document management unit for displaying a basic document for a financial transaction requested and transmitted to the document server;
A handwritten signature input unit for inputting a handwritten signature corresponding to a signature input field of the basic document;
A feature value extracting unit for extracting feature values of the handwritten signature;
An identification code generation unit for generating an identification code including the feature value; And
And a signature document generation unit for generating an electronic signature document by embedding the handwritten signature image of the handwritten signature and the identification code at a predetermined position in the basic document and transmitting the generated electronic signature document to the document server,
The feature value may include position information including GPS coordinates relating to a position at which the handwritten signature is performed or indoor coordinate values measured using Wi-Fi, time information including a date and hour and minute of performing the handwritten signature , ≪ / RTI >
When the contractor denies the handwritten signature behavior, extracts the environmental feature value from the identification code embedded in the electronic signature document and analyzes the extracted environmental feature value, thereby estimating a situation in which the handwritten signature behavior is performed, And the environmental feature value is used for non-repudiation of the behavior (non-repudiation).
The method according to claim 1,
Wherein the feature value includes at least one of contact information including at least one of a line flow, a line shape, a contact count, and a contact position in accordance with movement of the touching means when the handwritten signature is input, A signature feature value of at least one of a size and a ratio of the input signal, a slope, a touch pressure, and a thickness of a line.
delete In a verification terminal using a handwritten signature and an identification code in which a handwritten signature verification application is installed,
A photographing unit photographing the identification code for an object printed with a handwritten signature image and an identification code corresponding to an electronic signature document stored in a document server to obtain identification code image data, wherein the electronic signature document corresponds to a handwritten signature image Wherein the identification code includes a reference signature feature value corresponding to the handwritten signature and an environmental feature value for a position and time at the time of inputting the handwritten signature;
An identification code analysis unit for analyzing the identification code image data and extracting the reference signature feature value contained in the identification code;
A signature input unit for inputting a signature for confirmation;
A comparing unit for determining a similarity between the signature feature value of the verification signature and the reference signature feature value for each of a plurality of comparison items;
And an authentication performing unit that determines that the verification signature is the same as the handwritten signature and performs the identity authentication only when all of the plurality of comparison items are determined to be PASS as a result of the determination by the comparison unit,
Wherein the environmental characteristic value is used for non-repudiation (non-repudiation) against legal action according to the input of the handwritten signature.
5. The method of claim 4,
Wherein,
A flow comparison module for comparing the direction of the movement of the touch means with the flow of lines included in the signature when the signature is input;
A shape comparison module for segmenting the input signature into strokes and comparing movement distances of the strokes at points where the strokes end;
A contact comparison module for comparing at least one of contact information with the number of times the touching means touches the touch screen panel while the signature is being input;
An acceleration / speed comparison module for comparing an instantaneous movement speed of the touch means during a predetermined time interval when a signature is input;
A magnitude comparison module for comparing at least one of a horizontal size and a vertical size of the entire image of each signature with respect to the handwritten signature and the confirmation signature;
A ratio comparison module for comparing the ratio between the width and the height of the entire image of each signature with respect to the handwritten signature and the confirmation signature;
A pressure comparison module that compares a touch pressure of a user measured while a signature is input when a signature is input;
And a coordinate comparison module for comparing the error values of the position information of the coordinates according to the flow of the line, and a verification terminal using the handwritten signature and the identification code.
5. The method of claim 4,
The comparison unit may determine a pass or a non-pass according to whether the similarity level is exceeded for each comparison item,
Wherein the authentication performing unit determines that signature verification fails if there is at least one non-pass determination,
Wherein the similarity level can be set differently for each of the comparison items, and can be changed together or independently according to the reliability of the required identity verification, and the verification terminal using the handwritten signature and the identification code.
A method for generating an electronic document using an electronic signature and an identification code,
Displaying a basic document for a financial transaction requested by a signing terminal to a document server;
Receiving a handwritten signature corresponding to a signature field of the base document;
Extracting feature values for the handwritten signature;
Generating an identification code including the feature value; And
Embedding a handwritten signature image of the handwritten signature and the identification code in a predetermined location in the base document to generate an electronic signature document and transmitting the generated electronic signature document to the document server,
The feature value may include position information including GPS coordinates relating to a position at which the handwritten signature is performed or indoor coordinate values measured using Wi-Fi, time information including a date and hour and minute of performing the handwritten signature ≪ / RTI >
When the contractor denies the handwritten signature behavior, extracts the environmental feature value from the identification code embedded in the electronic signature document and analyzes the extracted environmental feature value, thereby estimating a situation in which the handwritten signature behavior is performed, And the environmental feature value is used for non-repudiation of the behavior (non-repudiation).
8. The method of claim 7,
Wherein the feature value includes at least one of contact information including at least one of a line flow, a line shape, a contact count, and a contact position in accordance with movement of the touching means when the handwritten signature is input, And a signature feature value of at least one of a size and a ratio of the input image, a slope, a touch pressure, and a line thickness.
delete Capturing the identification code with respect to an object printed with a handwritten signature image and an identification code corresponding to an electronic signature document stored in a document server in the verification terminal to obtain identification code image data, Wherein the identification code includes a reference signature feature value corresponding to the handwritten signature and an environmental feature value for a position and time at the time of inputting the handwritten signature. ;
Analyzing the identification code image data and extracting the reference signature feature value contained in the identification code;
Receiving a signature for confirmation;
Judging the signature feature value of the verification signature and the reference signature feature value individually for each of a plurality of comparison items;
Determining that the verification signature is identical to the handwritten signature only when all of the plurality of comparison items are judged to be PASS, and performing authentication of the user,
Wherein the environmental characteristic value is used for non-repudiation (non-repudiation) against legal action according to the input of the handwritten signature.
11. The method of claim 10,
Wherein the similarity determination step comprises:
Comparing the direction of the movement of the touch means with the flow of lines included in the signature when the signature is input;
Segmenting the input signature into strokes and comparing the stroke distance of strokes at the end of strokes;
Comparing the number of times the touching means contacts the touch screen panel and the contact information of at least one of the contacting positions while the signature is being input;
Comparing a momentary movement speed of the touch means during a predetermined time interval when a signature is input;
Comparing at least one of a horizontal size and a vertical size of the entire image of each signature with respect to the handwritten signature and the confirmation signature;
Comparing the horizontal and vertical ratios of the entire image of each signature with respect to the handwritten signature and the confirmation signature;
Comparing the measured touch pressure of the user during the input of the signature when entering the signature;
Comparing the error value of the positional information of the coordinates according to the flow of the line.
11. The method of claim 10,
Wherein the similarity determination step determines a pass or a non-pass according to whether the similarity level is exceeded for each comparison item,
Wherein the step of performing the identity authentication includes determining that the signature verification is failed when at least one non-pass determination is made,
Wherein the similarity level can be set differently for each comparison item, and can be changed together or independently according to the reliability of the identity verification required.

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