KR102645894B1 - System and method for handling contract based on communication terminal - Google Patents

Abstract

A communication terminal-based contract processing system and method are disclosed.
A contract processing system based on a communication terminal according to an embodiment of the present invention includes: an encrypted text generator that generates a first encrypted text encrypting the contract information when user contract information required for concluding a contract is input to the communication terminal; a user authentication performing unit that acquires biometric information of the user through a biometric sensor of the communication terminal, transmits the obtained biometric information to a contract management server, and requests authentication of the user from the contract management server; If authentication of the user is successful, a messenger control unit that controls the messenger application to send a first message displaying the first encrypted text to another communication terminal of another user corresponding to the other party to the contract; When a second message displaying a second ciphertext encrypted with the corresponding contract information of the other user required for conclusion of the contract is received through the messenger application, the second ciphertext is detected and decrypted from the second message to enter into the corresponding contract. a corresponding contract information acquisition department that acquires information; And a contract image for generating a contract image using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and an electronic signature image corresponding to the biometric information of the user and the other user, respectively. Includes a creation section.

Description

{System and method for handling contract based on communication terminal}

The present invention relates to a communication terminal-based contract processing system and method, and more specifically, to a communication terminal-based contract processing system and method for processing electronic contracts concluded between users based on a communication terminal equipped with a biometric sensor. It's about.

In general, an electronic contract refers to a commercial contract in which two or more parties express their intentions and reach an agreement through a communication network for the purpose of creating certain legal effects.

However, as disclosed in Korean Patent Publication No. 10-1960484, Korean Patent Publication No. 10-2019-0022417, etc., existing technology requires that a server providing electronic contract services communicate with contracting parties through the entire process of contract conclusion. Since contract-related information must be received, processed, and stored in a centralized manner while linking with the terminal, high costs are required to build, maintain, and manage the service system, as well as malicious hacking or concentrated attacks targeting the server. There is a vulnerability problem.

The technical problem to be solved by the present invention is a communication terminal-based contract processing system that minimizes damage from malicious hacking or concentrated attacks while reducing the costs required for construction, maintenance, and management of a system for electronic contract processing. It provides a method.

A communication terminal-based contract processing system according to an embodiment of the present invention is a system that processes contracts concluded between users based on a communication terminal equipped with a biometric sensor, and the user's contract information required for conclusion of the contract is When input into a communication terminal, a first ciphertext encrypting the contract information is made up of any one or a combination of two or more of numbers, letters, symbols, and shapes that can be sent in the form of a message through a messenger application pre-installed on the communication terminal. A ciphertext generator that generates; a user authentication performing unit that acquires biometric information of the user through a biometric sensor of the communication terminal, transmits the obtained biometric information to a pre-designated contract management server, and requests authentication of the user from the contract management server; If authentication of the user is successful, a messenger control unit that controls the messenger application to send a first message displaying the first encrypted text to another communication terminal of another user corresponding to the other party to the contract; When a second message displaying a second ciphertext encrypted with the corresponding contract information of the other user required for conclusion of the contract is received through the messenger application, the second ciphertext is detected and decrypted from the second message to enter into the corresponding contract. a corresponding contract information acquisition department that acquires information; And a contract image for generating a contract image using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and an electronic signature image corresponding to the biometric information of the user and the other user, respectively. Includes a creation section.

In one embodiment, the system provides a pop-up window on the screen of the communication terminal where messages received through the messenger application are displayed before the contract image is generated by the contract image generator, and the user It may further include a corresponding contract information display unit that displays the corresponding contract information acquired by the corresponding contract information acquisition unit on the pop-up window when the pop-up window is overlaid on the second message by the operation of .

In one embodiment, the corresponding contract information display unit may be configured to re-perform authentication for the user through the user authentication performing unit and provide the pop-up window when the authentication is successful.

In one embodiment, the contract image generator may be configured to generate the contract image when the user's contract creation command is input to the communication terminal after the corresponding contract information is displayed in the pop-up window.

In one embodiment, the system stores the contract image in a secure folder of the communication terminal, re-performs authentication for the user through the user authentication performing unit, and if the authentication is successful, sends the contract image to the communication terminal. It may further include a contract image management unit displayed on the screen of the terminal.

In one embodiment, after generating the contract image, the system repeats an alarm signal warning of the arrival of the implementation period through an output unit of the communication terminal at a certain time or at a certain period before the implementation period according to the contract arrives. and output, and may further include a contract performance management unit that re-performs authentication for the user through the user authentication performing unit and stops output of the alarm signal when the authentication is successful.

In one embodiment, when the contract is a contract to transfer a monetary bond, the system requests information on the standard transfer value of the monetary bond from the contract management server before generating the first encrypted text by the encrypted text generator. It further includes an information inquiry unit that searches, and the contract management server searches for a credit index corresponding to the debtor of the monetary bond among pre-stored credit indices for each user in response to the request, and matches the searched credit index with the monetary bond. It may be configured to calculate the standard transfer price of the monetary bond using the original bond amount and provide the calculated standard transfer price to the communication terminal.

A communication terminal-based contract processing method according to an embodiment of the present invention is a method of processing contracts concluded between users based on a communication terminal equipped with a biometric sensor, and the user's contract information required for conclusion of the contract is When input to the communication terminal, the communication terminal encrypts the contract information as any one or a combination of two or more of numbers, letters, symbols, and shapes that can be sent in the form of a message through a messenger application pre-installed on the communication terminal as a first encrypted text. Step (a) of generating a first ciphertext; The communication terminal acquires biometric information of the user through a biometric sensor provided in the communication terminal, transmits the acquired biometric information to a pre-designated contract management server, and requests authentication for the user from the contract management server ( b) step; When authentication of the user is successful, the communication terminal controls the messenger application to send a first message displaying the first encrypted text to another communication terminal of another user corresponding to the other party to the contract; When a second message displaying a second ciphertext encrypted with the corresponding contract information of the other user required for conclusion of the contract is received through the messenger application, the communication terminal detects and decrypts the second ciphertext in the second message. Step (d) of obtaining the corresponding contract information; And the communication terminal creates a contract image using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and an electronic signature image corresponding to the biometric information of the user and the other user, respectively. Includes step (e) of generating.

In one embodiment, the method includes, before step (e), a step (d1) of providing a pop-up window on the screen of the communication terminal on which messages received through the messenger application are displayed; and a step (d2) of displaying the corresponding contract information obtained in step (d) on the pop-up window when the pop-up window is overlaid on the second message by the user's manipulation.

In one embodiment, the step (d1) includes the communication terminal re-performing authentication for the user through the biometric sensor and providing the pop-up window on the screen of the communication terminal when the authentication is successful. It can be included.

In one embodiment, step (e) may include generating the contract image when the user's contract creation command is input to the communication terminal after the corresponding contract information is displayed in the pop-up window. there is.

In one embodiment, the method includes, after step (e), step (f1) of the communication terminal storing the contract image in a secure folder of the communication terminal; And it may further include a step (f2) in which the communication terminal re-performs authentication for the user through the biometric sensor and, if the authentication is successful, displays the contract image on the screen of the communication terminal.

In one embodiment, the method includes, after step (e), before the implementation period according to the contract arrives, the communication terminal repeatedly outputs an alarm signal warning of the arrival of the implementation period at a certain point in time or at regular intervals. Step (g1); And it may further include a step (g2) of the communication terminal re-performing authentication for the user through the biometric sensor and stopping output of the alarm signal if the authentication is successful.

In one embodiment, in step (a), when the contract is a contract to transfer a monetary bond, the communication terminal transmits the standard transfer value information of the monetary bond to the contract management server before generating the first encrypted text. requesting step; And the contract management server searches for a credit index corresponding to the debtor of the monetary bond among pre-stored credit indices for each user in response to the request, and uses the searched credit index and the bond amount of the monetary bond to determine the value of the monetary bond. It may include calculating a standard transfer price and providing the calculated standard transfer price to the communication terminal.

Embodiments according to the present invention can be implemented using a computer program recorded on a recording medium as a computer program that executes the above-described operations or methods through a computer system.

According to the present invention, the process of sharing contract information between users during the entire process for concluding an electronic contract is performed by exchanging messages through a messenger application pre-installed on the users' communication terminals, and the process of processing contract information and creating and storing contracts. etc. are basically performed independently by each communication terminal, and the role of the contract management server is reduced to the scope of user authentication, thereby reducing the costs required for building and maintaining a system for electronic contract processing, while also reducing the cost of malicious hacking. Damage from concentrated attacks can be minimized.

In addition, when the user's contract information required to conclude a contract is entered into the communication terminal, the corresponding communication terminal generates an encrypted text corresponding to the contract information and automatically sends a message displaying the encrypted text to the other communication terminal of the other party to the contract, and the other communication terminal When a message with encrypted text is received from the terminal, the communication terminal detects and decrypts the encrypted text in the received message and obtains the corresponding contract information of the other party required to conclude the contract. Contract information is shared between the contracting parties. It can prevent leakage of contract information while improving convenience.

In addition, if the contract to be concluded is a transfer contract for monetary claims, the contract management server calculates the standard transfer price of the monetary claim by considering the credit index of the debtor of the monetary claim and the original bond amount of the monetary claim, and calculates the calculated By providing the standard transfer price to the contracting parties, it is possible to induce quick agreement between the parties on the transfer price in the case of a transfer contract for monetary claims and facilitate the conclusion of the contract.

Furthermore, those skilled in the art to which the present invention pertains will be able to clearly understand from the following description that various embodiments according to the present invention can solve various technical problems not mentioned above.

Figure 1 is a diagram showing a communication terminal-based contract processing system according to an embodiment of the present invention.
Figure 2 is a block diagram showing an example of a communication terminal applied to the present invention.
Figure 3 is a diagram showing an example of a contract information transmission message in which contract information encrypted text is displayed.
Figure 4 is a diagram showing the process of displaying contract information in a contract information delivery message.
Figure 5 is a flowchart showing the biometric information registration process of the contract processing method according to an embodiment of the present invention.
Figure 6 is a flowchart showing the contract information delivery message transmission process of the contract processing method according to an embodiment of the present invention.
Figure 7 is a flowchart showing the contract image creation process of the contract processing method according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings to clarify solutions corresponding to the technical problems of the present invention. However, when explaining the present invention, if the description of related known technology rather obscures the gist of the present invention, the description may be omitted. Additionally, the terms used in this specification are terms defined in consideration of the functions in the present invention, and may vary depending on the intention or custom of the designer, manufacturer, etc. Therefore, definitions of terms described below should be made based on the content throughout this specification.

Figure 1 shows a communication terminal-based contract processing system 10 according to an embodiment of the present invention.

As shown in Figure 1, the communication terminal-based contract processing system 10 according to an embodiment of the present invention includes communication terminals 100a and 100b, a contract management server 200, and a message relay server 300. It may include, and depending on the embodiment, a blockchain network 400 may be further included.

The communication terminals (100a, 100b) are a type of computer device capable of performing data communication through a wired or wireless communication network, respectively, and are composed of a mobile terminal such as a smartphone or tablet PC, or a personal computer (PC). It may be configured as a fixed terminal. Additionally, the communication terminals 100a and 100b may each be equipped with a biometric sensor that recognizes the user's biometric information, such as a fingerprint, iris, or face.

The contract management server 200 performs data communication with communication terminals 100a and 100b through a wired and wireless communication network, and performs a contract conclusion procedure and concluded contract based on the communication terminals 100a and 100b. It is a type of computer device that manages and may consist of one or two or more servers.

The message relay server 300 relays messages sent and received through text applications installed on the communication terminals 100a and 100b, or SNS (Social Network Service) applications such as KakaoTalk, WhatsApp, Facebook, or Twitter. It is a type of computer device that can be composed of one or two or more servers.

The blockchain network 400 uses blockchain technology such as Ethereum or Hyperledger Fabric to distribute and store specific information on a blockchain ledger. Includes. In this case, each node may be implemented as an independent physical server or as a virtual server running within a single server, such as a cloud server.

As will be explained again below, the nodes of the blockchain network 400 run the blockchain program to approve transactions received from the contract management server 200, create and verify blocks, register verified blocks, and block You can search information registered in the chain. Depending on the embodiment, the blockchain network 400 may include a plurality of sub-networks connected in parallel to perform parallel processing. This blockchain network 400 may be composed of a public chain that anyone can access, or a private chain that can only be accessed by specific users.

This contract processing system 10 is configured to process contracts concluded between users based on communication terminals 100a and 100b equipped with biometric sensors.

Figure 2 shows a block diagram of an example of a communication terminal 100 to which the present invention is applied.

As shown in Figure 2, the communication terminal 100 used by each user who is a party to the contract includes a communication unit 101, an input unit 102, a biometric sensor 103, an output unit 104, a storage unit 105, It may include a control unit 106, etc.

The communication unit 101 receives data transmitted from other communication devices such as servers and computers through a wired/wireless communication network and delivers it to the control unit 106, or transmits data generated or processed by the control unit 106 to another communication device. It is configured to transmit to . To this end, the communication unit 101 may include a communication modem that performs wired and wireless communication. In this case, the communication unit 101 may include a WiFi communication module that performs wireless communication with a surrounding Access Point (AP), an LTE communication module that performs direct communication with another communication device, a 5G communication module, etc. Additionally, the communication unit 101 may include a USB port, a wired LAN port, or other various communication ports to which data transmission cables are connected.

The input unit 102 is configured to receive user commands or data. To this end, the input unit 102 may include an input device such as a keyboard, mouse, operation button, or touch panel.

The biometric sensor 103 is configured to detect biometric information that identifies the user of the communication terminal 100, such as fingerprint, iris, face, etc. To this end, the biometric sensor 103 may include a fingerprint sensor, an iris sensor, a face recognition sensor, etc.

The output unit 104 is configured to output data or information visually, audibly, or tactilely. To this end, the output unit 104 may include an image display device such as a monitor, display panel, or touch screen, a sound generating device such as a speaker, or a vibration generating device such as a haptic device.

The storage unit 105 is configured to store and manage data necessary for the operation of the communication terminal 100. To this end, the storage unit 105 may optionally include various storage media such as ROM, RAM, EEPROM, register, flash memory, CD-ROM, magnetic tape, hard disk, floppy disk, and optical data recording device.

The control unit 106 controls the overall operation of the communication terminal 100 and is configured to process electronic contracts concluded between users based on the communication terminal 100. To this end, the control unit 106 may optionally include hardware such as a general-purpose processor, an application-specific integrated circuit (ASIC), other chipsets, logic circuits, registers, and memory for executing control logic. This control unit 106 may be composed of a combination of hardware such as a processor and software such as a computer program. That is, the control logic of the control unit 106 is composed of a computer program and stored in the storage unit 105 of the communication terminal 100, and the stored computer program may be configured to be executed through the hardware of the control unit 106.

In addition, the control unit 106 includes functionally divided detailed components, including a biometric information registration unit 110, a contract information acquisition unit 120, an information inquiry unit 130, an encrypted text generation unit 140, and a messenger control unit 150. ), a user authentication performing unit 160, a corresponding contract information acquisition unit 170, and a contract image generating unit 180. Depending on the embodiment, a corresponding contract information display unit 172 and a contract image management unit 182 may be included. , may further include a contract performance management unit 190. The detailed components of the control unit 106 may be composed of a combination of hardware such as a processor and software such as a computer program.

The biometric information register 110 acquires the user's biometric information through the biometric sensor 103 of the communication terminal 100 before entering into a contract, and sends the acquired biometric information and the user's identification information to a pre-designated contract management server ( 200) and can be configured to register.

In this case, the contract management server 200 encrypts the transmitted biometric information, stores the encrypted biometric information in the blockchain ledger of the blockchain network 400, and searches the encrypted biometric information in the blockchain ledger. It can be configured to register the user's biometric information by associating the user's identification information with the inquiry key used to do so and storing it in the internal storage space of the contract management server 200.

The contract information acquisition unit 120 outputs a user interface for receiving contract information necessary for contract conclusion through the screen of the communication terminal 100, and outputs the contract information input through the input unit 102 of the communication terminal 100. It may be configured to obtain the user's contract information. In this case, the contract information required to conclude a contract may include the type of contract to be concluded, contract details, and the name, address, resident registration number, etc. of the contracting party.

In addition, the contract information acquisition unit 120 can obtain contract information regarding typical civil law contracts as well as information regarding private promises made verbally between parties as contract information. For example, “If you do not return the book you borrowed by July 1st of this year, I will buy you chicken and beer,” or “If you lend me 100,000 won, I will return it to you by July 1st of this year and treat you to coffee.” The text of the promise, “If you fail to repay on July 1st, you agree to accrue interest of 1,000 won for each day that elapses,” the user’s name, biometric information (e.g., fingerprint), etc. can be obtained as contract information.

In addition, the contract information acquisition unit 120 may additionally acquire voice files recorded by the parties in relation to the contract (or promise), photo files taken by the parties in relation to the contract, etc. as contract information. .

The information inquiry unit 130 may be configured to request inquiry of specific information from the contract management server 200 according to the user's request and receive the corresponding information from the contract management server 200.

For example, when the contract to be concluded is a money loan contract, the information inquiry unit 130 may request and inquire the borrower's credit index information from the contract management server 200 at the request of the user corresponding to the lender.

For this purpose, the contract management server 200 collects contract performance information on whether the user or other users have fulfilled the contract or complied with the performance period from the users' communication terminals in advance, and based on the collected contract performance information, the user You can calculate and save a star credit index. This contract management server 200 may search the credit index of the user or another user according to the user's request and provide the searched credit index to the user's communication terminal.

On the other hand, if the contract to be concluded is a contract for the transfer of monetary claims, the information inquiry unit 130 provides the credit index information of the monetary bond debtor to the contract management server 200 at the request of the user corresponding to the bond transferor or bond transferee. You can inquire upon request.

In addition, if the contract to be concluded is a contract to transfer a monetary bond, the information inquiry unit 130 provides the standard transfer value information of the monetary bond to the contract management server 200 at the request of the user corresponding to the bond transferor or bond transferee. You can also inquire by requesting . Here, the standard transfer price of the monetary claim is the amount that the transferee of the monetary claim must pay to the transferor in return for the monetary claim, and refers to the amount calculated according to a certain standard in the contract management server 200.

To this end, the contract management server 200 searches for a credit index corresponding to the debtor of the monetary bond among pre-stored credit indices for each user in response to the user's request, and matches the searched credit index with the original bond of the monetary bond. It may be configured to calculate the standard transfer price of the monetary claim using the amount and provide the calculated standard transfer price to the user's communication terminal 100.

When the user's contract information required to conclude a contract is inputted and confirmed in the communication terminal 100, the ciphertext generator 140 may generate a first ciphertext encrypting the contract information. The first ciphertext is a SMS (Short Message Service) message, MMS (Multimedia Messaging Service) message, or SNS ( It may be composed of any one or a combination of two or more of numbers, letters, symbols, and shapes that can be sent in a message format such as a Social Network Service (Social Network Service) message.

In this case, the encrypted text generator 140 generates an encrypted value of the contract information using an encrypted key provided by the contract management server 200, and converts the encrypted value into one or two of numbers, letters, symbols, and shapes. It may be configured to generate the first ciphertext by substituting the above combination. To this end, the contract management server 200 may generate the encryption key by combining a random value with the user's biometric information value or encrypted biometric information value.

The messenger control unit 150 may be configured to control a messenger application pre-installed on the communication terminal 100 to send and receive contract-related messages to and from another communication terminal of another user corresponding to the other party to the contract. In particular, when authentication of the user by the user authentication performing unit 160, which will be described later, is successful, the messenger control unit 150 controls the messenger application to send the first message displaying the first encrypted text to the other communication terminal. It can be configured to send.

The user authentication unit 160 acquires the user's biometric information through the biometric sensor 103 of the communication terminal 100, and transmits the obtained biometric information to the contract management server 200. ) may be configured to request authentication for the user.

When a second message displaying a second encrypted text encrypting the corresponding contract information of the other user required for concluding the contract is received through the messenger application, the corresponding contract information acquisition unit 170 receives the second message from the second message. It may be configured to obtain the corresponding contract information by detecting and decoding the ciphertext. In this case, the corresponding contract information required to conclude the contract may include at least some of the type of contract to be concluded, contract details, the name, address, resident registration number of the contracting party, and other users' expressions of intent. Additionally, another communication terminal that sent the second message may generate the second ciphertext through the same process as the first ciphertext generation process described above.

The contract image generator 180 generates an electronic signature image corresponding to the contract information input to the communication terminal 100, the corresponding contract information obtained from the second message, and the biometric information of the user and the other user. It can be configured to create a contract image using . In this case, the contract image generator 180 may be configured to receive the electronic signature image from the contract management server 200.

Meanwhile, the corresponding contract information display unit 172 provides a pop-up window on the screen of the communication terminal where messages received through the messenger application are displayed before the contract image is generated by the contract image generator 180. And, when the pop-up window is overlaid on the second message by the user's manipulation, the corresponding contract information acquired by the corresponding contract information acquisition unit 170 may be configured to display the corresponding contract information in the pop-up window.

In this case, the corresponding contract information display unit 172 may be configured to re-perform authentication for the user through the user authentication performing unit 160 and provide the pop-up window if the authentication is successful. Additionally, the contract image generator 180 may be configured to generate the contract image when the user's contract creation command is input to the communication terminal 100 after corresponding contract information is displayed in the pop-up window.

The contract image management unit 182 stores the contract image generated by the contract image creation unit 180 in a secure folder of the communication terminal 100, and later provides the contract image to the user through the user authentication performing unit 160. If the authentication is successful by re-performing the authentication, the contract image may be displayed on the screen of the communication terminal 100. Additionally, the contract image management unit 182 may be configured to transmit the contract image to the contract management server 200 and back it up in the contract management server 200 when the user requests a contract image backup.

The contract performance management unit 190 provides a visual and auditory warning of the arrival of the fulfillment period through the output unit 104 of the communication terminal 100 after the contract image is created and before the implementation period according to the contract arrives. Alternatively, a tactile alarm signal may be repeatedly output at a certain point in time or at a certain period, but the user authentication unit 160 may be configured to re-authenticate the user and stop output of the alarm signal if the authentication is successful. You can.

For example, the contract performance management unit 190 may output an alarm message warning of the arrival of the transition period through the communication terminal 100 1 week before, 3 days before, 1 day before, or on the same day of the transition period. In this case, the content of the alarm message can be set or changed by user input. For example, the content of the alarm message may be set differently depending on the period as shown in the table below.

period Message content 1 week ago It's been a week since the promised date. You didn't forget your promise, right? 3 days ago It's been 3 days since the promised date.
If you keep your promise early, the other person will be happy. 1 day ago The promised day is tomorrow. Please contact us first to schedule an appointment. Transition day Today is the day you promised. Be the beautiful you who keeps your promises. 1 day has passed You forgot your promise. How about sending an apology message to the other person?
And interest of 1,000 won accrued. 3 days have passed Since the appointment time with the other party has passed 3 days, interest of 3,000 won has accrued. … … …

In addition, the contract performance management unit 190 may be configured to obtain contract performance information on whether the user or other users fulfill the contract or comply with the performance period and provide it to the contract management server 200. In this case, the contract performance management unit 190 may be configured to receive the contract performance information directly from the user, or to obtain the contract performance information by linking with other applications used by the user to fulfill the contract, such as an online banking application. You can.

In this case, the contract performance management unit 190 receives information on whether the contract has been fulfilled and the corresponding user's emotional information from the user corresponding to the creditor, and sends a message corresponding to the emotional information to the other user corresponding to the debtor. It may be configured to transmit to a communication terminal.

For example, the contract performance management unit 190 outputs the message “It is one week before the appointment” through the communication terminal 100 of the user corresponding to the creditor one week before the performance period arrives, and sends the message “It is one week before the appointment” to the corresponding communication terminal 100 after the arrival of the performance period. “Have you received the promised payment?” You can print the message “If you have not received the fulfillment of your promise, please click on your opinion” and an emotion selection menu where you can select emotions such as understanding, disappointment, disappointment, upset, angry, and very angry. In addition, the contract performance management unit 190 may transmit a message corresponding to the emotion selected by the user to the communication terminal of another user corresponding to the debtor. For example, if the emotion selected by the user (A) is disappointment, the contract performance management unit 190 may transmit the message “A is sad for B” to the terminal of another user (B).

As mentioned above, the contract management server 200 may be configured to calculate and store a credit index for each user based on contract performance information collected from communication terminals. Additionally, the contract management server 200 may search for the credit index of the user or another user according to the user's request and provide the credit index to the user's communication terminal.

Figure 3 shows an example of a contract information transfer message (M1) in which a contract information ciphertext (E1) is displayed.

As shown in Figure 3, a user who wishes to conclude a contract using the contract processing system 10 according to the present invention executes the contract processing application installed on the communication terminal 100 and communicates contract information necessary for concluding the contract. When input to the terminal 100, the encrypted text generator 140 of the communication terminal 100 can generate a contract information encrypted text (E1) that encrypts the corresponding contract information.

Next, the user authentication unit 160 of the communication terminal 100 acquires the user's biometric information through the biometric sensors 103a and 103b of the communication terminal 100, and contracts the obtained biometric information. It can be transmitted to the server 200 to request authentication for the user from the contract management server 200.

If authentication of the user is successful, the messenger control unit 150 of the communication terminal 100 controls the messenger application pre-installed on the communication terminal 100 to send a contract information delivery message in which the contract information encrypted text (E1) is displayed. (M1) can be sent to another communication terminal of another user who is the counterparty to the contract.

Figure 4 is a diagram showing the contract information display process of the contract information delivery message (M2).

As shown in (a) of FIG. 4, when a contract information delivery message (M2) indicating a contract information encrypted text (E2) for another user is received through a messenger application pre-installed on the communication terminal 100, the communication The corresponding contract information acquisition unit 170 of the terminal 100 may detect and decrypt the contract information encrypted text (E2) in the contract information transfer message (M2) to obtain the corresponding contract information of the other user.

Meanwhile, the user authentication unit 160 of the communication terminal 100 acquires the user's biometric information through the biometric sensors 103a and 103b of the communication terminal 100, and sends the obtained biometric information to the contract management server ( 200) to request authentication for the user from the contract management server 200.

If authentication of the user is successful, the corresponding contract information display unit 172 of the communication terminal 100 sends a contract information transfer message (M2) before the contract image is generated by the contract image generator 180. A pop-up window (P) may be provided on the displayed screen (104a) of the communication terminal (100).

Next, as shown in (b) of FIG. 4, when the pop-up window (P) is overlapped on the contract information delivery message (M2) by a user's operation such as dragging, the corresponding contract information display unit ( 172) may display the corresponding contract information (C) acquired by the corresponding contract information acquisition unit 170 in the pop-up window (P).

Next, when the user who has confirmed the corresponding contract information displayed in the pop-up window (P) inputs a contract creation command, the contract image generator of the communication terminal 100 may generate a contract image corresponding to the users' contract information.

Figure 5 shows a flowchart of the biometric information registration process of the contract processing method according to an embodiment of the present invention. Detailed operations of the contract processing system 10 will be described in time series with reference to FIG. 5 .

As shown in FIG. 5, the communication terminal 100 of a user who wishes to use the above-described contract processing system 10 measures the user's biometric information through the biometric sensor 103 provided in the communication terminal 100 before entering into a contract. Information may be acquired, and the obtained biometric information and the user's identification information may be transmitted to the pre-designated contract management server 200 to request registration of the biometric information in the contract management server 200 (S500).

Next, the contract management server 200 may encrypt the transmitted biometric information (S510) and transmit the encrypted biometric information to the node of the blockchain network 400 (S520).

Next, the node of the blockchain network 400 registers the encrypted biometric information in the blockchain ledger (S530), and enters the query key used to later search the encrypted biometric information in the blockchain ledger into the contract. It can be transmitted to the management server 200.

As a result, the contract management server 200 completes registration of the user's biometric information by associating the transmitted inquiry key with the user's identification information and storing it in the self-storage space of the contract management server 200 ( S550), the registration result may be notified to the communication terminal 100 (S560).

Figure 6 shows a flowchart of the contract information delivery message transmission process of the contract processing method according to an embodiment of the present invention. Detailed operations of the contract processing system 10 will be described in time series with reference to FIG. 6 .

As shown in FIG. 6, the first communication terminal 100a outputs a user interface for receiving contract information required for contract conclusion through the screen of the first communication terminal 100a, and the first communication terminal 100a The user's contract information entered through the input unit 102 can be obtained (S600). In this case, the contract information required to conclude a contract may include at least some of the type of contract to be concluded, contract details, and the name, address, and resident registration number of the contracting party.

Next, the first communication terminal 100a may request the contract management server 200 to query specific information (S610) and receive the corresponding information from the contract management server 200 (S620).

For example, when the contract to be concluded is a money loan contract, the first communication terminal 100a may request and inquire the borrower's credit index information from the contract management server 200 at the request of the user corresponding to the lender. For this purpose, the contract management server 200 collects contract performance information on whether the user or another user has fulfilled the contract or complied with the performance period from communication terminals using the contract processing system 10 in advance, and collects contract performance information on the collected contracts. Based on fulfillment information, a credit index for each user can be calculated and stored. This contract management server 200 may search the credit index of the user or another user according to the user's request and provide the searched credit index to the user's communication terminal.

On the other hand, if the contract to be concluded is a transfer contract of a monetary claim, the first communication terminal 100a provides the credit index information of the monetary claim debtor to the contract management server 200 at the request of the user corresponding to the claim transferor or bond transferee. You can inquire upon request.

Additionally, in this case, the first communication terminal 100a may request and inquire information on the standard transfer value of the monetary bond from the contract management server 200 at the request of the user corresponding to the bond transferor or bond transferee. Here, the standard transfer price of the monetary claim is the amount that the transferee of the monetary claim must pay to the transferor in return for the monetary claim, and refers to the amount calculated according to a certain standard in the contract management server 200. To this end, the contract management server 200 searches for the credit index of the monetary bond debtor among pre-stored credit indices for each user in response to the user's request, and uses the searched credit index and the original bond amount of the monetary bond. Thus, the standard transfer price of the monetary claim can be calculated, and the calculated standard transfer price can be provided to the user's communication terminal 100.

When the user's contract information required to conclude a contract is entered into the communication terminal 100 and confirmed (S630), the first communication terminal 100a may generate a first encrypted text encrypting the contract information (S640). The first ciphertext is a SMS (Short Message Service) message, MMS (Multimedia Messaging Service) message, or SNS ( It may be composed of any one or a combination of two or more of numbers, letters, symbols, and shapes that can be sent in a message format such as a Social Network Service) message, etc. In this case, the first communication terminal 100a is provided by the contract management server 200. An encryption value of the contract information can be generated using an encryption key, and the first encryption text can be generated by replacing the encryption value with any one or a combination of two or more of numbers, letters, symbols, and shapes. The contract management server 200 may generate the encryption key by combining a random value with the user's biometric information value or the encrypted biometric information value.

Next, the first communication terminal 100a acquires the user's biometric information through a biometric sensor provided in the first communication terminal 100a, and transmits the obtained biometric information to the contract management server 200 to manage the contract. Authentication for the user may be requested from the server 200 (S650). Then, the contract management server 200 can authenticate the user by comparing the transmitted biometric information with pre-registered biometric information and transmit the authentication result to the first communication terminal 100a (S660).

If authentication of the user is successful, the first communication terminal (100a) controls the messenger application pre-installed on the first communication terminal (100a) and sends a contract information delivery message displaying the first encrypted text to the other party corresponding to the contract. It can be sent to the user's second communication terminal (100b) (S670). The sent contract information delivery message may be transmitted to the second communication terminal 100b through the message relay server 300 (S680).

Figure 7 shows a flowchart of the contract image creation process of the contract processing method according to an embodiment of the present invention. Detailed operations of the contract processing system 10 will be described in time series with reference to FIG. 7 .

As shown in FIG. 7, when a contract information delivery message displaying a first encrypted text regarding the contract information of the first user is received through a messenger application pre-installed on the second communication terminal 100b of the second user (S700), The second communication terminal 100b may obtain contract information of the first user by detecting and decoding the first ciphertext in the contract information delivery message (S710).

In addition, the second communication terminal 100b acquires biometric information of the second user through a biometric sensor provided in the second communication terminal 100b, and transmits the obtained biometric information to the contract management server 200 to manage the contract. Authentication for the second user may be requested from the server 200 (S720). Then, the contract management server 200 can authenticate the second user by comparing the transmitted biometric information with pre-registered biometric information and transmit the authentication result to the second communication terminal 100b (S730).

If authentication of the second user is successful, the second communication terminal (100b) provides a pop-up window on the screen of the second communication terminal (100b) on which the received contract information delivery message is displayed, and the second user's operation performs the second communication terminal (100b). When a pop-up window overlaps the contract information delivery message, the second communication terminal 100b may display the first user's contract information obtained from the contract information delivery message on the pop-up window (S740).

Next, when the second user who has confirmed the contract information displayed in the pop-up window enters the corresponding contract information required to conclude a contract into the second communication terminal (100b), the second communication terminal (100b) encrypts the corresponding contract information. 2 A ciphertext can be generated (S750). The second ciphertext is sent as a Short Message Service (SMS) message, Multimedia Messaging Service (MMS) message, or SNS through a messenger application such as a text application or a Social Network Service (SNS) application pre-installed on the second communication terminal (100b). (Social Network Service) It may be composed of any one or a combination of two or more of numbers, letters, symbols, and shapes that can be sent in a message format such as a message, etc. In this case, the second communication terminal 100b is connected to the contract management server 200. An encryption value of the corresponding contract information can be generated using the provided encryption key, and the second encryption text can be generated by replacing the encryption value with any one or a combination of two or more of numbers, letters, symbols, and shapes. For this purpose, , the contract management server 200 may generate the encryption key by combining a random value with the biometric information value or the encrypted biometric information value of the second user.

Next, the second communication terminal (100b) can control the messenger application to send a corresponding contract information delivery message in which the second encrypted text is displayed to the first communication terminal (100b) of the first user (S760). The sent corresponding contract information delivery message may be transmitted to the first communication terminal 100a through the message relay server 300 (S762).

The first communication terminal 100a, which has received the corresponding contract information delivery message, may obtain the corresponding contract information by detecting and decoding the second ciphertext in the corresponding contract information delivery message (S770). In this case, the corresponding contract information may include at least some of the type of contract to be concluded, contract contents, names, addresses, resident registration numbers of contracting parties, and other expressions of intent by other users.

Although not shown in FIG. 7, the first communication terminal 100a, which has received the corresponding contract information delivery message, further performs steps corresponding to steps S720 to S740 described in relation to the second communication terminal 100b. Of course you can do it. That is, the first communication terminal 100a, which has received the corresponding contract information delivery message, acquires biometric information of the first user and performs authentication for the first user, and if the authentication is successful, the first communication terminal ( Providing a pop-up window on the message display screen of 100a), and displaying the corresponding contract information obtained in the step (S770) in the pop-up window when the corresponding pop-up window is overlapped with the corresponding contract information delivery message by the operation of the first user. More can be done.

As a result, the first communication terminal 100a includes the contract information input to the first communication terminal 100a, the corresponding contract information obtained from the corresponding contract information transfer message, and the biometric information of the first user and the second user, respectively. A contract image can be created using the corresponding electronic signature image (S780). In this case, the first communication terminal 100 may receive electronic signature images of the corresponding users from the contract management server 200.

The first communication terminal 100a that created the contract image may notify the second communication terminal 100b of the creation of the contract image (S790). Then, the second communication terminal (100b) corresponds to the contract information obtained from the contract information delivery message, the corresponding contract information input to the second communication terminal (100b), and the biometric information of the first user and the second user, respectively. A contract image can be created using the electronic signature image (S792). In this case, the second communication terminal 100b may receive electronic signature images of the corresponding users from the contract management server 200.

Meanwhile, the communication terminals 100a and 100b that created the contract image each save the contract image they created in a secure folder in their own memory, and later re-perform the authentication for the user, and if the authentication succeeds, The contract image can be displayed on the screen. In addition, when a user's contract image backup request occurs, the communication terminals 100a and 100b may transmit the contract image to the contract management server 200 and back it up in the contract management server 200.

In addition, the communication terminals 100a and 100b, after generating the contract image and before the implementation period according to the contract arrives, send a visual, auditory or tactile alarm signal to warn of the arrival of the implementation period through their output unit. It may be repeatedly output at a certain point in time or at a certain period, and upon the user's request, the user may be re-authenticated, and if the authentication is successful, the alarm signal may be stopped from being output.

In addition, the communication terminals 100a and 100b may obtain contract performance information regarding whether the user or another user fulfills the contract or whether the performance period is observed, and provide the information to the contract management server 200. In this case, the communication terminals (100a, 100b) receive the contract fulfillment information directly from the user, or obtain the contract fulfillment information by linking with other applications used by the user to fulfill the contract, such as an online banking application. You can.

As mentioned above, the contract management server 200 may calculate and store a credit index for each user based on contract performance information collected from communication terminals. Additionally, the contract management server 200 may search for the credit index of the user or another user according to the user's request and provide the credit index to the user's communication terminal.

Meanwhile, embodiments according to the present invention may be implemented with a computer system and a computer program that runs the computer system. When embodiments of the present invention are implemented as a computer program, the components of the present invention may include program segments that execute the corresponding operation or task through the computer system. These computer programs or program segments may be stored in various computer-readable recording media. Computer-readable recording media may include all types of media that record data that can be read by a computer system. For example, computer-readable recording media may include ROM, RAM, EEPROM, registers, flash memory, CD-ROM, magnetic tape, hard disk, floppy disk, or optical data recording device. Additionally, these recording media can be distributed across computer systems connected to various networks to store or execute program codes in a distributed manner.

As described above, according to the present invention, the process of sharing contract information between users during the entire process for concluding an electronic contract is performed through message exchange through a messenger application pre-installed on the users' communication terminals, and the processing of contract information and contract The creation and storage processes are basically performed independently in each communication terminal, reducing the role of the contract management server to the scope of user authentication, thereby reducing the costs required for building and maintaining a system for electronic contract processing. However, damage from malicious hacking or concentrated attacks can be minimized.

In addition, when the user's contract information required to conclude a contract is entered into the communication terminal, the corresponding communication terminal generates an encrypted text corresponding to the contract information and automatically sends a message displaying the encrypted text to the other communication terminal of the other party to the contract, and the other communication terminal When a message with an encrypted text is received from a terminal, the communication terminal detects and decrypts the encrypted text in the received message and obtains the corresponding contract information of the other party required to conclude the contract. Contract information is shared between the contracting parties. It can prevent leakage of contract information while improving convenience.

In addition, if the contract to be concluded is a transfer contract for monetary claims, the contract management server calculates the standard transfer price of the monetary claim by considering the credit index of the debtor of the monetary claim and the original bond amount of the monetary claim, and the calculated By providing the standard transfer price to the contracting parties, it is possible to induce quick agreement between the parties regarding the transfer price in the case of a transfer contract for monetary claims and facilitate the conclusion of the contract.

Furthermore, of course, the embodiments according to the present invention can solve various technical problems other than those mentioned in this specification in the relevant technical field as well as in the related technical field.

So far, the present invention has been described with reference to specific embodiments. However, those skilled in the art will clearly understand that various modified embodiments can be implemented within the technical scope of the present invention. Therefore, the previously disclosed embodiments should be considered from an explanatory perspective rather than a limiting perspective. In other words, the scope of the true technical idea of the present invention is shown in the claims, and all differences within the scope of equivalents should be construed as being included in the present invention.

100: Communication terminal 110: Biometric information register
120: Contract information acquisition unit 130: Information inquiry unit
140: Cipher text generation unit 150: Messenger control unit
160: User authentication performing unit 170: Correspondence contract information acquisition unit
172: Corresponding contract information display unit 180: Contract image creation unit
182: Contract image management department 190: Contract performance management department

Claims (15)

In a communication terminal-based contract processing system that processes contracts concluded between users based on a communication terminal equipped with a biometric sensor,
When the user's contract information required for concluding the contract is entered into the communication terminal, a first encrypted text encrypting the contract information can be sent in the form of a message through a messenger application pre-installed on the communication terminal among numbers, letters, symbols and figures. a ciphertext generator that generates a first ciphertext consisting of one or a combination of two or more;
a user authentication performing unit that acquires biometric information of the user through a biometric sensor of the communication terminal, transmits the obtained biometric information to a pre-designated contract management server, and requests authentication of the user from the contract management server;
If authentication of the user is successful, a messenger control unit that controls the messenger application to send a first message displaying the first encrypted text to another communication terminal of another user corresponding to the other party to the contract;
When a second message displaying a second ciphertext encrypted with the corresponding contract information of the other user required for conclusion of the contract is received through the messenger application, the second ciphertext is detected and decrypted from the second message to enter into the corresponding contract. a corresponding contract information acquisition department that acquires information; and
Contract image generation for generating a contract image using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and an electronic signature image corresponding to the biometric information of the user and the other user, respectively. Contains wealth,
Before the contract image is generated by the contract image generator, a pop-up window is provided on the screen of the communication terminal where messages received through the messenger application are displayed, and the pop-up window is opened by the user's operation to the second A contract processing system based on a communication terminal, further comprising a corresponding contract information display unit that displays the corresponding contract information obtained by the corresponding contract information acquisition unit in the pop-up window when it is overlaid on a message. delete According to paragraph 1,
The corresponding contract information display unit is configured to re-authenticate the user through the user authentication performing unit and provide the pop-up window when the authentication is successful. According to paragraph 1,
The contract image generator is configured to generate the contract image when the user's contract creation command is input to the communication terminal after the corresponding contract information is displayed in the pop-up window. . According to paragraph 1,
A contract image management unit that stores the contract image in a secure folder of the communication terminal, re-performs authentication for the user through the user authentication performing unit, and displays the contract image on the screen of the communication terminal when the authentication is successful. A communication terminal-based contract processing system further comprising: According to paragraph 1,
After the contract image is created, before the implementation period according to the contract arrives, an alarm signal warning of the arrival of the implementation period is repeatedly output at a certain point or at regular intervals through the output unit of the communication terminal, but through the user authentication performing unit. A contract processing system based on a communication terminal, further comprising a contract fulfillment management unit that re-performs authentication for the user and stops output of the alarm signal when the authentication is successful. According to paragraph 1,
When the contract is a contract to transfer a monetary bond, it further includes an information inquiry unit that requests and inquires information on the standard transfer value of the monetary bond from the contract management server before generating the first encrypted text by the encrypted text generation unit,
The contract management server searches for a credit index corresponding to the debtor of the monetary bond among pre-stored credit indices for each user in response to the request, and uses the searched credit index and the original bond amount of the monetary bond to secure the monetary bond. A contract processing system based on a communication terminal, characterized in that it is configured to calculate the standard transfer price of and provide the calculated standard transfer price to the communication terminal. In a communication terminal-based contract processing method for processing contracts concluded between users based on a communication terminal equipped with a biometric sensor,
When the user's contract information required to conclude the contract is input to the communication terminal, the communication terminal encrypts the contract information as a first ciphertext, which can be sent in the form of a message through a messenger application pre-installed on the communication terminal, including numbers, letters, Step (a) of generating a first ciphertext consisting of one or a combination of two or more of symbols and figures;
The communication terminal acquires biometric information of the user through a biometric sensor provided in the communication terminal, transmits the acquired biometric information to a pre-designated contract management server, and requests authentication for the user from the contract management server ( b) step;
When authentication of the user is successful, the communication terminal controls the messenger application to send a first message displaying the first encrypted text to another communication terminal of another user corresponding to the other party to the contract;
When a second message displaying a second ciphertext encrypted with the corresponding contract information of the other user required for conclusion of the contract is received through the messenger application, the communication terminal detects and decrypts the second ciphertext in the second message. Step (d) of obtaining the corresponding contract information; and
The communication terminal generates a contract image using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and an electronic signature image corresponding to the biometric information of the user and the other user, respectively. It includes step (e),
Before step (e), step (d1) of providing a pop-up window on the screen of the communication terminal where messages received through the messenger application are displayed; and
Communication terminal-based, further comprising a step (d2) of displaying the corresponding contract information obtained in step (d) on the pop-up window when the pop-up window is overlapped on the second message by the user's operation. How to handle contracts. delete According to clause 8,
The step (d1) is characterized in that the communication terminal re-performs authentication of the user through the biometric sensor and, if the authentication is successful, providing the pop-up window on the screen of the communication terminal. Communication terminal-based contract processing method. According to clause 8,
The step (e) is a communication terminal-based method comprising generating the contract image when the user's contract creation command is input to the communication terminal after the corresponding contract information is displayed in the pop-up window. How to handle contracts. According to clause 8,
After step (e), step (f1) of the communication terminal storing the contract image in a secure folder of the communication terminal; and
Communication terminal-based, characterized in that it further comprises a step (f2) of the communication terminal re-performing authentication for the user through the biometric sensor and, if the authentication is successful, displaying the contract image on the screen of the communication terminal. How to handle contracts. According to clause 8,
After step (e), before the implementation period according to the contract arrives, the communication terminal repeatedly outputs an alarm signal warning of the arrival of the implementation period at a certain point in time or at a certain period (g1); and
A contract processing method based on a communication terminal, further comprising the step (g2) of the communication terminal re-performing authentication for the user through the biometric sensor and stopping output of the alarm signal when the authentication is successful. According to clause 8,
In step (a),
If the contract is a contract to transfer a monetary bond, requesting information on a standard transfer price of the monetary bond from the contract management server before the communication terminal generates the first encrypted text; and
The contract management server searches for a credit index corresponding to the debtor of the monetary bond among pre-stored credit indices for each user in response to the request, and uses the searched credit index and the bond amount of the monetary bond as a standard for the monetary bond. A communication terminal-based contract processing method comprising calculating a transfer price and providing the calculated standard transfer price to the communication terminal. A computer program that executes the method according to any one of claims 8 or 10 to 14 through a computer, and is recorded on a computer-readable recording medium.