KR20220163674A - System and method for handling contract based on communication terminal - Google Patents

Abstract

Disclosed are a system and method for handling a contract based on a communication terminal, which can minimize damage caused by malicious hacking or intensive attacks. According to one embodiment of the present invention, the system for handling a contract based on a communication terminal comprises: a cryptogram generation unit which generates a first cryptogram, in which contract information is encrypted, when the contract information of a user required for conclusion of the contract is input into the communication terminal; a user authentication performing unit which acquires biometric information of the user through a biometric sensor of the communication terminal and transmits the acquired biometric information to a contract management server to request authentication for the user from the contract management server; a messenger control unit which controls a messenger application to transmit a first message marked with the first cryptogram to another communication terminal of another user, who is a contract partner, when the authentication for the user is successful; a response contract information acquisition unit which acquires response contract information by detecting and decrypting a second cryptogram from a second message when the second message marked with the second cryptogram, in which the response contract information of the another user required for conclusion of the contract is encrypted, is received through the messenger application; and a contract image generation unit which generates a contract image by using the contract information input into the communication terminal, the response contract information acquired from the second message, and an electronic signature image corresponding to biometric information of the user and the another user, respectively.

Description

Contract processing system and method based on communication terminal {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 particularly, to a communication terminal-based contract processing system and method for processing an electronic contract entered into between users based on a communication terminal equipped with a biometric sensor. It is about.

In general, an electronic contract refers to a commercial contract in which two or more parties express their intentions and perform agreements through a communication network for the purpose of generating a certain legal effect.

However, as disclosed in Korean Patent Registration No. 10-1960484 and Korean Patent Laid-open Publication No. 10-2019-0022417, etc., the existing technology is that a server providing electronic contract service communicates with contracting parties through the entire process of contract conclusion. Since it is necessary to receive, process, and store contract-related information in a centralized manner while interworking with the terminal, high costs are required for the establishment, maintenance, and management of the service system, as well as malicious hacking or intensive attacks targeting the server. has a vulnerable problem.

A technical problem to be solved by the present invention is a communication terminal-based contract processing system that minimizes damage caused by malicious hacking or intensive attacks while reducing the cost required for the construction and maintenance of a system for processing electronic contracts, and is to provide a way

A contract processing system based on a communication terminal according to an embodiment of the present invention is a system for processing a contract concluded between users based on a communication terminal equipped with a biometric sensor, and the user's contract information necessary for the conclusion of the contract is When input into the communication terminal, the first ciphertext that encrypts the contract information is a first ciphertext consisting of any one or a combination of two or more of numbers, letters, symbols, and figures that can be sent in the form of a message through a messenger application pre-installed in the communication terminal. Ciphertext generation unit for generating; a user authentication performer that obtains biometric information of the user through a biometric sensor of the communication terminal, transmits the acquired 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 succeeds, a messenger control unit controlling the messenger application to send a first message displaying the first encrypted text to another communication terminal of another user corresponding to a contract counterpart; When a second message displaying the second cipher text encoding the other user's corresponding contract information required for the conclusion of the contract is received through the messenger application, the second cipher text is detected and decrypted in the second message to determine the corresponding contract. a corresponding contract information acquisition unit for obtaining information; and a contract image generating a contract image using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and the digital signature image respectively corresponding to the biometric information of the user and the other user. contains the generator.

In one embodiment, the system provides a pop-up window on the screen of the communication terminal on which messages received through the messenger application are displayed before the contract image is generated by the contract image generator, and the user A corresponding contract information display unit for displaying the corresponding contract information acquired by the corresponding contract information acquiring unit on the pop-up window when the pop-up window is superimposed on the second message by manipulation of .

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

In one embodiment, the contract image generation unit 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-authenticates the user through the user authentication unit, and if the authentication succeeds, the contract image is transferred to the communication terminal. The contract image management unit displayed on the screen of the terminal may be further included.

In one embodiment, the system repeats an alarm signal warning of the arrival of the transition period through an output unit of the communication terminal after the contract image is generated and before the transition period according to the contract arrives at a predetermined time or at regular intervals. and output, but re-authenticate the user through the user authentication performing unit, and may further include a contract fulfillment management unit for stopping the output of the alarm signal when the corresponding authentication is successful.

In one embodiment, the system, when the contract is a transfer contract of monetary receivables, before generating the first ciphertext by the ciphertext generating unit, requests the reference transfer value information of the monetary receivables from the contract management server In response to the request, the contract management server searches for a credit index corresponding to the debtor of the monetary receivables among pre-stored credit indices for each user in response to the request, and searches the retrieved credit index and the monetary receivables. It may be configured to calculate a standard transfer value of the monetary receivable using the original amount of the receivable and provide the calculated standard transfer value to the communication terminal.

A contract processing method based on a communication terminal according to an embodiment of the present invention is a method for processing a contract entered into between users based on a communication terminal equipped with a biometric sensor, and the user's contract information necessary for the conclusion of the contract is When input into the communication terminal, as the first cipher text in which the communication terminal encrypts the contract information, any one or a combination of two or more of numbers, letters, symbols, and figures that can be sent in the form of a message through a messenger application pre-installed in the communication terminal. (a) generating a first ciphertext; The communication terminal obtains the user's biometric information through a biometric sensor provided in the communication terminal, transmits the acquired biometric information to a pre-designated contract management server, and requests authentication of the user to the contract management server ( step b); (c) if the 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 contract counterpart; When a second message displaying the second cipher text encoding the other user's corresponding contract information required for the conclusion of the contract is received through the messenger application, the communication terminal detects and decrypts the second cipher text in the second message. (d) obtaining the correspondence contract information by doing; and the communication terminal generates a contract image by using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and the digital signature image respectively corresponding to the biometric information of the user and the other user. (e) generating.

In one embodiment, the method, before the step (e), 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 (d2) displaying the corresponding contract information acquired in the step (d) on the pop-up window when the pop-up window overlaps the second message due to the user's manipulation.

In one embodiment, the step (d1) includes providing the pop-up window on the screen of the communication terminal when the communication terminal re-authenticates the user through the biometric sensor and the corresponding authentication succeeds. can include

In one embodiment, the 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. have.

In one embodiment, the method, after the step (e), (f1) step of the communication terminal to store the contract image in a secure folder of the communication terminal; and (f2) displaying the contract image on the screen of the communication terminal when the communication terminal re-authenticates the user through the biometric sensor and the corresponding authentication succeeds.

In one embodiment, the method, after the step (e), before the arrival of the transition period according to the contract, the communication terminal repeatedly outputs an alarm signal warning of the arrival of the transition period at a certain point in time or at regular intervals (g1) step; and (g2) stopping the output of the alarm signal when the communication terminal re-authenticates the user through the biometric sensor and the corresponding authentication succeeds.

In one embodiment, in the step (a), if the contract is a transfer contract of monetary receivables, before the communication terminal generates the first cipher text, the contract management server transmits information on the standard transfer value of the monetary receivables. making a request; and in response to the request, 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, and uses the searched credit index and the amount of the monetary bond to determine the value of the monetary bond. Calculating a standard transfer value and providing the calculated standard transfer value to the communication terminal.

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

According to the present invention, the process of sharing contract information between users in the entire process for signing an electronic contract is performed in a message exchange method through a messenger application pre-installed in the communication terminal of users, and the process of processing contract information and creating and storing contracts etc. are basically performed by each communication terminal itself, and the role of the contract management server is reduced to the scope of user authentication, thereby reducing the cost required for building and maintaining a system for electronic contract processing, while reducing malicious hacking. However, you can minimize damage from concentrated attacks.

In addition, when the user's contract information necessary for the conclusion of the contract is input to the communication terminal, the communication terminal generates a ciphertext corresponding to the contract information, automatically sends a message displaying the ciphertext to the other communication terminal of the other party to the contract, and the other communication When a message displaying encrypted text is received from the terminal, the communication terminal detects and decrypts the encrypted text from the received message to acquire corresponding contract information of the other party necessary for contract conclusion, and the contract information is shared between contracting parties. It is possible to prevent leakage of contract information while improving convenience.

In addition, when the contract to be concluded is a transfer contract of monetary receivables, the contract management server calculates the standard transfer value of the monetary receivables in consideration of the credit index of the monetary receivable debtor and the original receivable amount of the corresponding monetary receivables, By providing the standard transfer value to the contracting parties, it is possible to promptly reach an agreement between the parties regarding the transfer value and facilitate the conclusion of the contract in the event of a contract for the transfer of monetary receivables.

Furthermore, those skilled in the art to which the present invention belongs 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.

1 is a diagram illustrating a contract processing system based on a communication terminal according to an embodiment of the present invention.
2 is a block diagram showing an example of a communication terminal applied to the present invention.
3 is a diagram showing an example of a contract information transmission message displaying contract information encrypted text.
4 is a diagram illustrating a process of displaying contract information in a contract information delivery message.
5 is a flowchart illustrating a biometric information registration process of a contract processing method according to an embodiment of the present invention.
6 is a flowchart illustrating a contract information transmission message transmission process of a contract processing method according to an embodiment of the present invention.
7 is a flowchart illustrating a contract image generation process of a 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 in order to clarify solutions corresponding to the technical problems of the present invention. However, in the description of the present invention, if the description of the related known technology rather makes the gist of the present invention unclear, the description thereof may be omitted. In addition, the terms used in this specification are terms defined in consideration of functions in the present invention, and they may vary according to the intention or custom of a designer or manufacturer. Therefore, the definitions of the terms to be described below will have to be made based on the content throughout this specification.

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

As shown in FIG. 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 may further include a blockchain network 400 according to an embodiment.

The communication terminals 100a and 100b are a kind of computer device capable of performing data communication through a wired/wireless communication network, respectively, and are composed of mobile terminals such as smart phones or tablet PCs, or personal computers such as PCs. It can be configured as a fixed terminal. In addition, the communication terminals 100a and 100b may each have a biometric sensor for recognizing a user's body such as a fingerprint, an iris, or a face.

The contract management server 200 performs data communication with the communication terminals 100a and 100b through a wired/wireless communication network, and the contract conclusion procedure performed based on the communication terminals 100a and 100b and the concluded contract As a kind of computer device that manages, it may be composed of one or two or more servers.

The message relay server 300 relays messages transmitted and received through a text application installed in the communication terminals 100a and 100b or a Social Network Service (SNS) application such as KakaoTalk, WhatsApp, Facebook, and Twitter. As a kind of computer device that does, it may be composed of one or two or more servers.

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

As will be described again below, the node of the blockchain network 400 executes a blockchain program to approve transactions received from the contract management server 200, create and verify blocks, register verified blocks, block Information registered in the chain can be retrieved. 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 configured as a public chain that anyone can access, or as a private chain that can be accessed only by specific users.

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

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

As shown in FIG. 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 biosensor 103, an output unit 104, a storage unit 105, A control unit 106 and the like may be included.

The communication unit 101 receives data transmitted from other communication devices such as a server or a computer through a wired/wireless communication network and delivers the data to the control unit 106 or transfers data generated or processed by the control unit 106 to other communication devices. It is configured to transmit to To this end, the communication unit 101 may include a communication modem that performs wired/wireless communication. In this case, the communication unit 101 may include a WiFi communication module for performing wireless communication with a nearby access point (AP), an LTE communication module for performing direct communication with other communication devices, a 5G communication module, and the like. In addition, 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 a user's command or data. To this end, the input unit 102 may include an input device such as a keyboard, mouse, manipulation button, or touch panel.

The biometric sensor 103 is configured to detect biometric information for identifying a user of the communication terminal 100, such as a fingerprint, iris, or face. To this end, the biometric sensor 103 may include a fingerprint sensor, an iris sensor, a face recognition sensor, and the like.

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, a display panel or a touch screen, a sound generating device such as a speaker, and 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 selectively include various storage media such as ROM, RAM, EEPROM, registers, flash memory, CD-ROM, magnetic tape, hard disk, floppy disk, and optical data recording device.

The controller 106 controls the overall operation of the communication terminal 100 and is configured to process electronic contracts entered into between users based on the corresponding communication terminal 100 . To this end, the control unit 106 may selectively include hardware such as a general-purpose processor for executing control logic, an Application-Specific Integrated Circuit (ASIC), other chipsets, logic circuits, registers, and memories. The controller 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 may be configured as 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 is functionally divided into detailed components, such as a biometric information registration unit 110, a contract information acquisition unit 120, an information inquiry unit 130, a cipher text generation unit 140, and a messenger control unit 150. ), a user authentication unit 160, a corresponding contract information acquisition unit 170, and a contract image generation unit 180, and according to an embodiment, a corresponding contract information display unit 172 and a contract image management unit 182 , A contract fulfillment management unit 190 may be further included. These 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 registration unit 110 obtains the user's biometric information through the biometric sensor 103 of the communication terminal 100 before signing a contract, and transfers the obtained biometric information and the user's identification information to a predetermined contract management server ( 200) 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 may be configured to register the user's biometric information by associating the user's identification information with the inquiry key used to store it in the self-storage space of the contract management server 200.

The contract information acquisition unit 120 outputs a user interface for receiving contract information necessary for signing a contract through the screen of the communication terminal 100, and the inputted information 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 necessary for the conclusion of the contract may include the type of contract to be concluded, the contents of the contract, the name, address, and social security number of the parties to the contract.

In addition, the contract information acquisition unit 120 may obtain contract information on typical contracts under the civil law, as well as information on private promises generally made verbally between parties as contract information. For example, “If you do not return the borrowed book by July 1 of this year, I will buy you chicken and beer” or “If you lend me 100,000 won, I will return it on July 1 of this year and treat you to coffee. If payment is not made on July 1, I agree to accrue interest by 1,000 won per day,” and the user's name, biometric information (eg, fingerprint), etc. can be obtained as contract information.

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

The information inquiry unit 130 may be configured to request a search for specific information from the contract management server 200 according to the user's request, and receive 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 credit index information of the borrower from the contract management server 200 according to a request of the user corresponding to the lender.

To this end, the contract management server 200 collects contract fulfillment information on whether the user or other users fulfill the contract or whether the fulfillment period is observed from the communication terminals of the users in advance, and based on the collected contract fulfillment information, the user You can calculate and store a star credit index. The contract management server 200 may search for the credit index of the corresponding user or other users according to the user's request and provide the searched credit index to the corresponding user's communication terminal.

On the other hand, when the contract to be concluded is a contract for transfer of monetary receivables, the information inquiry unit 130 transmits credit index information of the debtor of monetary receivables to the contract management server 200 at the request of the user corresponding to the transferor of the receivables or the transferee of the receivables. You can view it by request.

In addition, when the contract to be concluded is a transfer contract of monetary receivables, the information inquiry unit 130 provides information on the standard transfer value of the corresponding monetary receivables to the contract management server 200 at the request of the user corresponding to the transferor of the receivables or the transferee of the receivables. You can also query by requesting . Here, the standard transfer value of monetary receivables refers to an amount calculated by the contract management server 200 according to a predetermined standard as an amount to be paid by the assignee of the monetary receivables to the transferor in exchange for the monetary receivables.

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 searches for a credit index corresponding to the debtor of the monetary bond and the original credit of the monetary bond. It may be configured to calculate a standard transfer value of the monetary receivable using the amount and provide the calculated standard transfer value to the communication terminal 100 of the user.

When the user's contract information necessary for signing a contract is input into the communication terminal 100 and confirmed, the cipher text generation unit 140 may generate a first cipher text by encrypting the contract information. The first ciphertext is sent through a messenger application such as a text application or a social network service (SNS) application pre-installed in the communication terminal 100, such as a Short Message Service (SMS) message, a Multimedia Messaging Service (MMS) message, or an SNS ( It may consist of any one or a combination of two or more of numbers, letters, symbols, and figures that can be sent in the form of a message such as a Social Network Service) message.

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

The messenger control unit 150 may be configured to control a messenger application pre-installed in the communication terminal 100 to transmit/receive contract-related messages with another communication terminal of another user corresponding to a contract counterparty. In particular, the messenger control unit 150, when authentication of the user by the user authentication unit 160 to be described later succeeds, controls the messenger application to send a first message displaying the first cipher text to the other communication terminal. can be configured to send

The user authentication unit 160 acquires the biometric information of the user through the biometric sensor 103 of the communication terminal 100 and transmits the acquired biometric information to the contract management server 200 so that the contract management server 200 ) to request authentication for the user.

The corresponding contract information acquisition unit 170 receives the second message through the messenger application, displaying the second cipher text encoding the other user's corresponding contract information necessary for the conclusion of the corresponding contract, through the messenger application. It may be configured to detect and decrypt encrypted text to obtain the corresponding contract information. In this case, the corresponding contract information necessary for the conclusion of the contract may include at least a part of the type of contract to be concluded, the contents of the contract, the name, address, social security number of the contracting party, and other users' expressions of intention. In addition, another communication terminal that has sent the second message may generate the second cipher text through the same process as the above-described first cipher text generation process.

The contract image generating unit 180 is a digital 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, respectively. It can be configured to generate a contract image using. In this case, the contract image generator 180 may be configured to receive the digital 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 displaying messages received through the messenger application before the contract image is generated by the contract image generator 180. And, if the pop-up window is overlapped on the second message by the user's manipulation, the corresponding contract information acquired by the corresponding contract information acquisition unit 170 may be displayed on the pop-up window.

In this case, the corresponding contract information display unit 172 may be configured to re-authenticate the user through the user authentication unit 160 and to provide the pop-up window if the authentication is successful. In addition, the contract image generating unit 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 generating unit 180 in a secure folder of the communication terminal 100, and later provides information to the user through the user authentication unit 160. If authentication is re-performed and the authentication succeeds, the contract image may be displayed on the screen of the communication terminal 100 . In addition, 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 backup of the contract image.

After the contract image is generated, the contract fulfillment management unit 190 provides a visual and auditory warning for warning of the arrival of the fulfillment period through the output unit 104 of the communication terminal 100 before the arrival of the fulfillment period according to the contract. Alternatively, a tactile alarm signal is repeatedly output at a certain point in time or at a certain period, and the user authentication unit 160 re-authenticates the user, and if the authentication is successful, the output of the alarm signal is stopped. can

For example, the contract fulfillment management unit 190 may output an alarm message warning of the arrival of the fulfillment period through the communication terminal 100 one week before, three days before, one day before, or the same day of the fulfillment period. In this case, the content of the alarm message may be set or changed by a user's input. For example, the content of the alarm message may be set differently for each period as shown in the table below.

period message content 1 week ago It's been a week since the promised date. You haven't forgotten your promise, have you? 3 days ago It's 3 days before the promised date.
If you fulfill your promise early, the other person will be pleased. 1 day ago The promised day is tomorrow. Please contact us first to make an appointment. day of transition Today is the promised day. Be a beautiful you who keeps your promise. 1 day elapsed You forgot an appointment. How about sending an apology message to the other person?
And interest of 1,000 won was accrued. 3 days elapsed 3 days have elapsed since the appointment time with the other party has occurred, resulting in an interest of 3,000 won. … … …

In addition, the contract fulfillment management unit 190 may be configured to obtain contract fulfillment information regarding whether the user or the other user fulfills the contract or whether the fulfillment period is observed, and provides the obtained contract fulfillment information to the contract management server 200 . In this case, the contract fulfillment management unit 190 is configured to directly receive the contract fulfillment information from the corresponding user or obtain the contract fulfillment information in conjunction with other applications used by the corresponding user to fulfill the contract, such as an online banking application. can

In this case, the contract fulfillment management unit 190 receives information on whether the contract is fulfilled from the user corresponding to the creditor and emotion information of the user corresponding thereto, and sends a message corresponding to the emotion information to other users corresponding to the debtor. It may be configured to transmit to a communication terminal.

For example, the contract fulfillment management unit 190 outputs a message saying “It is one week before the promise” through the communication terminal 100 of the user corresponding to the creditor one week before the fulfillment period arrives, and after the fulfillment period arrives, the corresponding communication terminal 100 “Have you received the promised payment? If you have not received your promise, please click your opinion” and an emotion selection menu for selecting emotions such as understanding, sad, disappointed, bad mood, angry, and very angry can be output. In addition, the contract fulfillment 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, when the emotion selected by user A is sad, the contract fulfillment management unit 190 may transmit a message saying “A feels sorry 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 fulfillment information collected from communication terminals. In addition, the contract management server 200 may retrieve the credit index of the corresponding user or other users according to the user's request and provide it to the communication terminal of the corresponding user.

3 shows an example of the contract information transfer message M1 displaying the contract information encrypted text E1.

As shown in FIG. 3, a user who wants to conclude a contract using the contract processing system 10 according to the present invention executes a contract processing application installed in the communication terminal 100 and communicates contract information necessary for the conclusion of the contract. Upon inputting the information into the terminal 100, the cipher text generation unit 140 of the communication terminal 100 may generate the contract information cipher text E1 by encrypting the contract information.

Then, the user authentication performing unit 160 of the communication terminal 100 obtains biometric information of the user through the biometric sensors 103a and 103b of the corresponding communication terminal 100, and manages the obtained biometric information through a contract. It is transmitted to the server 200 to request authentication of the user from the contract management server 200 .

If authentication of the user succeeds, the messenger control unit 150 of the communication terminal 100 controls the messenger application pre-installed in the corresponding communication terminal 100, and the contract information transfer message displaying the contract information encrypted text E1 is displayed. (M1) can be sent to other communication terminals of other users corresponding to the counterparty of the contract.

4 is a diagram illustrating a contract information display process of the contract information delivery message M2.

As shown in (a) of FIG. 4, when a contract information transfer message M2 displaying the contract information encrypted text E2 about another user is received through the messenger application pre-installed in the communication terminal 100, the communication The corresponding contract information acquisition unit 170 of the terminal 100 may acquire the corresponding contract information of the other user by detecting and decrypting the contract information encrypted text E2 in the contract information delivery message M2.

On the other hand, the user authentication performing unit 160 of the communication terminal 100 obtains the user's biometric information through the biometric sensors 103a and 103b of the corresponding communication terminal 100, and transfers the obtained biometric information to a contract management server ( 200) to request authentication of the user from the contract management server 200.

If authentication of the user succeeds, 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 .

Then, 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 manipulation such as drag, the corresponding contract information display unit ( 172) may display the corresponding contract information (C) obtained by the corresponding contract information acquisition unit 170 on the pop-up window (P).

Next, when the user confirming the corresponding contract information displayed on the pop-up window P inputs a contract creation command, the contract image generating unit of the communication terminal 100 may create a contract image corresponding to the contract information of the users.

5 is a flowchart illustrating a biometric information registration process of a 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 the user who wants to use the above-described contract processing system 10 uses the biometric sensor 103 provided in the communication terminal 100 before signing the contract to the user's biological body. Information may be obtained, and the obtained biometric information and identification information of the corresponding user may be transmitted to a pre-designated contract management server 200 to request registration of the biometric information to 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 subsequently, the key for inquiry used to search the encrypted biometric information in the blockchain ledger is entered 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 its own storage space of the contract management server 200 ( S550), the registration result may be notified to the communication terminal 100 (S560).

6 is a flowchart illustrating a contract information transfer message transmission process of a 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 Figure 6, the first communication terminal (100a) outputs a user interface for receiving contract information necessary for entering into a contract through the screen of the first communication terminal (100a), and the first communication terminal (100a) User contract information entered through the input unit 102 may be acquired (S600). In this case, the contract information necessary for the conclusion of the contract may include at least a part of the type of contract to be concluded, the contents of the contract, and the names, addresses, and social security numbers of contracting parties.

Then, the first communication terminal (100a) may request a search for specific information to the contract management server 200 (S610), and receive the 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 credit index information of the borrower from the contract management server 200 according to a request of a user corresponding to a lender. To this end, the contract management server 200 collects contract fulfillment information on whether or not the contract is fulfilled by the user or other users from the communication terminals using the contract processing system 10 in advance, and the collected contracts Based on the fulfillment information, the credit index for each user can be calculated and stored. The contract management server 200 may search for a credit index of the corresponding user or other users according to a user's request, and provide the searched credit index to the corresponding user's communication terminal.

On the other hand, when the contract to be concluded is a transfer contract of monetary receivables, the first communication terminal 100a transmits the credit index information of the debtor of monetary receivables to the contract management server 200 at the request of the user corresponding to the transferor of the receivables or the transferee of the receivables. You can view it by request.

In addition, in this case, the first communication terminal (100a) may request and inquire the standard transfer value information of the monetary receivable from the contract management server 200 according to a request of a user corresponding to the transferor or transferee of the bond. Here, the standard transfer value of monetary receivables refers to an amount calculated by the contract management server 200 according to a predetermined standard as an amount to be paid by the assignee of the monetary receivables to the transferor in exchange for the monetary receivables. To this end, in response to the user's request, the contract management server 200 searches for the credit index of the corresponding monetary credit debtor among pre-stored credit indices for each user, and uses the searched credit index and the original bond amount of the monetary bond. Thus, a standard transfer value of the monetary claim may be calculated, and the calculated standard transfer value may be provided to the communication terminal 100 of the user.

When the user's contract information necessary for signing the contract is entered into the communication terminal 100 and confirmed (S630), the first communication terminal 100a may generate a first ciphertext by encrypting the contract information (S640). The first ciphertext is sent through a messenger application such as a text application or a social network service (SNS) application pre-installed in the communication terminal 100, such as a Short Message Service (SMS) message, a Multimedia Messaging Service (MMS) message, or an SNS ( Social Network Service) can be made of any one or a combination of two or more of numbers, letters, symbols and figures that can be sent in the form of a 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 may be generated using an encryption key, and the first encryption text may be generated by replacing the encryption value with any one or a combination of two or more of numbers, letters, symbols, and figures. The contract management server 200 may generate the encryption key by combining a random value with the biometric information value of the user or the encrypted biometric information value.

Then, the first communication terminal 100a acquires biometric information of the user through a biometric sensor provided in the first communication terminal 100a, and transmits the acquired biometric information to the contract management server 200 to manage the contract. Authentication of the user may be requested from the server 200 (S650). Then, the contract management server 200 may compare the transmitted biometric information with pre-registered biometric information to authenticate the user, and transmit the authentication result to the first communication terminal 100a (S660).

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

7 shows a flow chart of a contract image creation process of a 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 transfer message displaying the first encrypted text of the contract information of the first user is received through the messenger application pre-installed in the second user's second communication terminal 100b (S700), The second communication terminal 100b may obtain contract information of the first user by detecting and decrypting the first cipher text in the contract information transmission message (S710).

In addition, the second communication terminal 100b obtains 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 of the second user may be requested from the server 200 (S720). Then, the contract management server 200 may 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 succeeds, the second communication terminal 100b provides a pop-up window on the screen of the second communication terminal 100b displaying the received contract information transfer message, and the second user operates the second communication terminal 100b. When the pop-up window overlaps the contract information transfer message, the second communication terminal 100b may display contract information of the first user obtained from the contract information transfer message on the pop-up window (S740).

Then, when the second user confirms the contract information displayed on the pop-up window and inputs the corresponding contract information necessary for signing the contract into the second communication terminal 100b, the second communication terminal 100b encrypts the corresponding contract information. 2 Cipher text may be generated (S750). The second ciphertext is sent through a messenger application such as a text application or a social network service (SNS) application pre-installed in the second communication terminal 100b, such as a Short Message Service (SMS) message, a Multimedia Messaging Service (MMS) message, or an SNS. (Social Network Service) can be made of any one or a combination of two or more of numbers, letters, symbols, and figures that can be sent in the form of a message, etc. In this case, the second communication terminal (100b) is in the contract management server (200) An encryption value of the corresponding contract information may be generated using the provided encryption key, and the second encryption text may be generated by replacing the encryption value with any one or a combination of two or more of numbers, letters, symbols, and figures. , The contract management server 200 may generate the encryption key by combining a random value with the biometric information value of the second user or the encrypted biometric information value.

Then, the second communication terminal 100b may control the messenger application to transmit a corresponding contract information transfer message displaying the second ciphertext to the first communication terminal 100b of the first user (S760). The transmitted correspondence contract information transfer message may be transmitted to the first communication terminal 100a through the message relay server 300 (S762).

The first communication terminal 100a receiving the corresponding contract information transfer message may obtain the corresponding contract information by detecting and decrypting the second cipher text in the corresponding contract information transfer message (S770). In this case, the corresponding contract information may include at least a part of the type of contract to be concluded, the contents of the contract, the name, address, social security number of the contracting party, and other users' expressions of intention.

Although not shown in FIG. 7, the first communication terminal 100a receiving the correspondence contract information transfer message further performs steps corresponding to steps S720 to S740 described in relation to the second communication terminal 100b. Of course you can. That is, the first communication terminal (100a) receiving the corresponding contract information transfer message acquires the biometric information of the first user and performs authentication on the first user, and if the authentication is successful, the first communication terminal ( 100a) providing a pop-up window on the message display screen, and displaying the corresponding contract information acquired in step S770 on the corresponding pop-up window when the corresponding pop-up window is overlapped with the corresponding contract information delivery message by the first user's operation. can do more

As a result, the first communication terminal 100a transmits 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 may be generated using the corresponding digital signature image (S780). In this case, the first communication terminal 100 may receive digital signature images of corresponding users from the contract management server 200 .

The first communication terminal (100a) that generated the contract image may notify the fact that the contract image is generated to the second communication terminal (100b) (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 may be generated using the digital signature image to be generated (S792). In this case, the second communication terminal 100b may receive digital signature images of corresponding users from the contract management server 200 .

On the other hand, the communication terminals 100a and 100b that generated the contract image each store the contract image they created in a secure folder of their own memory, and then re-authenticate the user, and if the authentication is successful, the above An image of the contract 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, 100b) after generating the contract image, before the implementation period according to the contract arrives, through their output unit to warn the arrival of the implementation period, a visual, auditory or tactile alarm signal The alarm signal may be repeatedly output at a certain point in time or at a certain period, and the user authentication may be re-performed according to the user's request. If the authentication is successful, the output of the alarm signal may be stopped.

In addition, the communication terminals 100a and 100b may acquire contract fulfillment information regarding whether the user or other users fulfill the contract or whether the fulfillment period is observed, and provide the obtained contract fulfillment information to the contract management server 200 . In this case, the communication terminals 100a and 100b may directly receive the contract fulfillment information from the corresponding user or acquire the contract fulfillment information in conjunction with other applications used by the corresponding user to fulfill the contract, such as an online banking application. can

As mentioned above, the contract management server 200 may calculate and store a credit index for each user based on contract fulfillment information collected from communication terminals. In addition, the contract management server 200 may retrieve the credit index of the corresponding user or other users according to the user's request and provide it to the communication terminal of the corresponding user.

Meanwhile, embodiments according to the present invention may be implemented as a computer system and a computer program that drives the computer system. When embodiments of the present invention are implemented as a computer program, components of the present invention may include program segments that execute corresponding operations or tasks through a corresponding 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 on which data that can be read by a computer system is recorded. 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. In addition, such a recording medium may be distributed in computer systems connected through 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 in the entire process for signing an electronic contract is performed in a message exchange method through a messenger application pre-installed in the communication terminal of the users, and the processing of contract information and the contract The creation and storage process is basically performed by each communication terminal itself, so the role of the contract management server is reduced to the scope of user authentication, thereby reducing the cost required for building and maintaining a system for processing electronic contracts. However, it is possible to minimize the damage caused by malicious hacking or focused attacks.

In addition, when the user's contract information necessary for the conclusion of the contract is input to the communication terminal, the communication terminal generates a ciphertext corresponding to the contract information, automatically sends a message displaying the ciphertext to the other communication terminal of the other party to the contract, and the other communication When a message displaying encrypted text is received from the terminal, the communication terminal detects and decrypts the encrypted text from the received message to acquire corresponding contract information of the other party necessary for contract conclusion, and the contract information is shared between contracting parties. It is possible to prevent leakage of contract information while improving convenience.

In addition, when the contract to be concluded is a transfer contract of monetary receivables, the contract management server calculates the standard transfer value of the monetary receivables in consideration of the credit index of the monetary receivables debtor and the original receivable amount of the corresponding monetary receivables, By providing the standard transfer value to the contracting parties, it is possible to promptly reach an agreement between the parties regarding the transfer value and facilitate the conclusion of the contract in the event of a contract for the transfer of monetary receivables.

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

So far, the present invention has been described with reference to specific examples. 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 embodiments disclosed above should be considered from a descriptive point of view rather than a limiting point of view. That is, the scope of the true technical idea of the present invention is shown in the claims, and all differences within the scope equivalent thereto should be construed as being included in the present invention.

100: communication terminal 110: biometric information registration unit
120: contract information acquisition unit 130: information inquiry unit
140: ciphertext generation unit 150: messenger control unit
160: User authentication execution unit 170: Corresponding contract information acquisition unit
172: corresponding contract information display unit 180: contract image generation unit
182: contract image management unit 190: contract implementation management unit

Claims (15)

In a communication terminal-based contract processing system for processing contracts entered into between users based on a communication terminal equipped with a biometric sensor,
When the user's contract information necessary for the conclusion of the contract is input to the communication terminal, the first cipher text that encrypts the contract information is among numbers, letters, symbols, and figures that can be sent in the form of a message through a messenger application pre-installed in the communication terminal. a ciphertext generation unit for generating a first ciphertext consisting of any one or a combination of two or more;
a user authentication performing unit that obtains biometric information of the user through a biometric sensor of the communication terminal, transmits the acquired 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 succeeds, a messenger control unit controlling the messenger application to send a first message displaying the first encrypted text to another communication terminal of another user corresponding to a contract counterparty;
When a second message displaying the second cipher text encoding the other user's corresponding contract information required for the conclusion of the contract is received through the messenger application, the second cipher text is detected and decrypted in the second message to determine the corresponding contract. a corresponding contract information acquisition unit for obtaining information; and
Generation of a contract image by using the contract information input to the communication terminal, the corresponding contract information obtained from the second message, and the digital signature image respectively corresponding to the biometric information of the user and the other user. A contract processing system based on a communication terminal including a unit. According to claim 1,
Before the contract image is generated by the contract image generator, a pop-up window is provided on the screen of the communication terminal on which messages received through the messenger application are displayed, and the pop-up window is opened by the user's manipulation of the second and a corresponding contract information display unit for displaying the corresponding contract information obtained by the corresponding contract information acquisition unit on the pop-up window when overlapped on the message. According to claim 2,
The communication terminal-based contract processing system according to claim 1 , wherein the corresponding contract information display unit is configured to re-authenticate the user through the user authentication execution unit and provide the pop-up window when the corresponding authentication is successful. According to claim 2,
wherein the contract image generation unit 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 claim 1,
A contract image management unit that stores the contract image in a secure folder of the communication terminal, re-authenticates the user through the user authentication execution 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 claim 1,
After the contract image is generated, before the arrival of the implementation period according to the contract, an alarm signal warning of the arrival of the implementation period is repeatedly output at a certain time or at regular intervals through the output unit of the communication terminal. The communication terminal-based contract processing system further comprising a contract fulfillment management unit that re-performs authentication for the user and stops the output of the alarm signal if the authentication is successful. According to claim 1,
When the contract is a transfer contract of monetary receivables, an information inquiry unit for requesting and querying information on the standard transfer value of the monetary receivables from the contract management server before generating the first cipher text by the encryption text generation unit;
In response to the request, the contract management server searches for a credit index corresponding to the debtor of the monetary receivables among pre-stored credit indices for each user, and uses the searched credit index and the original amount of the monetary receivables to obtain the monetary receivables. A communication terminal-based contract processing system, characterized in that configured to calculate a standard transfer value of and provide the calculated standard transfer value to the communication terminal. A contract processing method based on a communication terminal for processing a contract concluded between users based on a communication terminal equipped with a biometric sensor,
When the user's contract information necessary for the conclusion of the contract is input to the communication terminal, the communication terminal encrypts the contract information as a first cipher text, and numbers, letters, and (a) generating a first ciphertext consisting of any one or a combination of two or more symbols and figures;
The communication terminal obtains the user's biometric information through a biometric sensor provided in the communication terminal, transmits the acquired biometric information to a pre-designated contract management server, and requests authentication of the user to the contract management server ( step b);
(c) if the 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 contract counterpart;
When a second message displaying the second cipher text encoding the other user's corresponding contract information required for the conclusion of the contract is received through the messenger application, the communication terminal detects and decrypts the second cipher text in the second message. (d) obtaining the correspondence contract information by doing; 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 the electronic signature image respectively corresponding to the biometric information of the user and the other user. A communication terminal-based contract processing method comprising the step (e) of doing. According to claim 8,
(d1) providing a pop-up window on the screen of the communication terminal on which messages received through the messenger application are displayed before the step (e); and
and (d2) displaying the corresponding contract information acquired in the step (d) on the pop-up window when the pop-up window is superimposed on the second message by the user's operation. contract processing method. According to claim 9,
The step (d1) includes providing the pop-up window on the screen of the communication terminal when the communication terminal re-authenticates the user through the biometric sensor and the corresponding authentication succeeds. A contract processing method based on communication terminals. According to claim 9,
The step (e) includes 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. contract processing method. According to claim 8,
After the step (e), a (f1) step of the communication terminal storing the contract image in a secure folder of the communication terminal; and
and (f2) displaying the contract image on the screen of the communication terminal when the communication terminal re-performs authentication for the user through the biometric sensor and the corresponding authentication succeeds. contract processing method. According to claim 8,
After the step (e), before the arrival of the transition period according to the contract, the communication terminal repeatedly outputs an alarm signal warning of the arrival of the transition period at a predetermined point in time or at regular intervals (g1); and
The communication terminal-based contract processing method further comprising the step (g2) of the communication terminal re-performing authentication for the user through the biometric sensor and stopping the output of the alarm signal if the authentication is successful. According to claim 8,
In step (a),
if the contract is a transfer contract of monetary receivables, requesting, by the communication terminal, information on a standard transfer value of the monetary receivables from the contract management server before generating the first cipher text; and
In response to the request, 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, and uses the searched credit index and the amount of the monetary bond to determine the monetary bond. A communication terminal-based contract processing method comprising calculating a transfer value and providing the calculated reference transfer value to the communication terminal. A computer program that executes the method according to any one of claims 8 to 14 through a computer and is recorded on a computer-readable recording medium.

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