TWM603561U - System for verifying electronic signature - Google Patents

Abstract

The utility model provides a system for verifying electronic signature, including an input device, a teller terminal host and a financial institution host, in which the teller terminal host is electrically or signally connected to the input device, and the financial institution host is signally connected to the teller terminal host. The input device includes a touching element, a capturing element and a transforming element, the teller terminal host includes an input element and a signaling element, and the financial institution host includes a user database, a storing element, and a verifying element. During transaction, the system for verifying electronic signature can have a user can perform verification with the handwritten signature, thereby increasing efficiency and accuracy of verification.

Description

Electronic signature verification system

This model relates to a verification system, especially an electronic signature verification system.

In order to avoid theft, in addition to verifying documents such as financial cards, credit cards or passbooks, passwords, seals or other biological characteristics are often required when conducting cash withdrawals, transfers and/or remittances at the counter or through online banking. (Eg fingerprint, face or pupil) as the second verification. However, the above verification methods often cause inconvenience to users. For example, certificates and/or seals are not items that ordinary people will carry with them, so it is difficult to conduct transactions at any time. In addition, if the password is used as the second re-authentication, there may be a risk that the user forgets the password or the password is cracked. Biometrics are used as the second level of verification and there are concerns about personal data security.

Since each person has different writing habits, it is possible to analyze the characteristics of the signature and its font structure as a means of verification. However, manually comparing handwritten signatures is time-consuming and laborious, and is prone to omissions, which increases the risk of account theft.

Therefore, there is an urgent need for an electronic signature verification system to be instant and accurate To verify whether the handwritten signature is the user’s own signature, it solves the aforementioned inconvenience of verification and the inaccuracy of the manual verification signature.

Therefore, one aspect of the present invention is to provide an electronic signature verification system, which improves the verification efficiency and accuracy of the handwritten signature by comparing the handwritten signature and the stored corresponding characteristic value, thereby enhancing the security of the user account.

According to the above aspect of the present invention, an electronic signature verification system is proposed, which may include: an input device, a teller terminal host, and a financial institution host, wherein the teller terminal host is electrically or signally connected to the input device, and the financial institution host signal is connected to the teller terminal Host.

The above-mentioned input device may include a touch unit, a capture unit, and a conversion unit. The capture unit is electrically connected to the touch unit, and the conversion unit is electrically connected to the capture unit. The aforementioned touch unit can be configured to input the first handwritten signature, for example, the capture unit can be configured to capture the first image of the first handwritten signature, and the conversion unit can be configured, for example, to convert the first image into a first image feature, The first image feature is the first application feature value or the first verification feature value.

The above-mentioned teller terminal host may include an input unit and a message unit, wherein the message unit is electrically connected to the input unit. The above-mentioned input unit may be configured to input a first user identification code, and the message unit may be configured to receive a first user identification code and a first image feature, and correspondingly generate a first storage message or a first verification message, wherein the first storage The message may include the first application feature value and the first user identification code, and the first verification message may include the first verification feature. Evidence and first user identification code.

The aforementioned financial institution host may include a user database, a storage unit and a verification unit, wherein the user database is electrically connected to the storage unit and the verification unit. The aforementioned user database can be configured to store multiple user data, for example. The storage unit may, for example, be configured to receive the first storage message, and store the first user identification code and the corresponding first application characteristic value in the user database. The verification unit may, for example, be configured to receive the first verification message to compare whether the first verification feature value is the same as the first application feature value corresponding to the first user identification code in the user database. When the first verification characteristic value is the same as the first application characteristic value, the verification unit generates a success message, and when the first verification characteristic value is different from the first application characteristic value, the verification unit generates a failure message.

According to an embodiment of the present invention, the user information may further include deposit information.

According to an embodiment of the present invention, the teller terminal host may further include a transaction unit, wherein the transaction unit signal is connected to the host of the financial institution. The transaction unit can be configured to receive a success message or a failure message, for example, and when the success message is received, the transaction unit is configured to access the deposit data corresponding to the first user identification code in the user database, and when the failure message is received, the transaction The unit does not access the user database.

According to an embodiment of the present invention, the electronic signature verification system may further include a remote device. The remote device is signally connected to the host of the financial institution, and the remote device may include a touch display unit and a processing module, wherein the touch display unit is electrically connected to the processing module. The touch display unit can, for example, be configured to input the second user identification code and the second handwritten signature, and display the second handwritten signature Two images. The processing module can be configured to receive a second user identification code, a success message, and a failure message, for example, wherein the processing module is configured to convert the second image into a second image feature. The second image feature can be, for example, a second application feature value or a second verification feature value, and a second storage message or a second verification message is generated and sent to the host of the financial institution accordingly. The second image feature is the second application feature value or the second verification feature value, and the second storage message can include the second application feature value and the second user identification code, and the second verification message can include the second verification feature value and the second verification feature value. 2. User identification code.

According to an embodiment of the present invention, the remote device may further include a transaction module, wherein the transaction module is electrically connected to the processing module to receive a success message or a failure message from the processing module. When receiving the success message, the transaction module is configured to store the deposit data corresponding to the second user identification code of the user database. When receiving a failure message, the transaction module does not access the user database.

The application of the new electronic signature verification system can solve the shortcomings of manual comparison of handwritten signatures, thereby improving the efficiency and accuracy of verification.

100: Electronic signature verification system

110: Input device

111: Touch unit

113: Capture Unit

115: conversion unit

130: Teller terminal host

131: input unit

133: Message Unit

135: Transaction Unit

150: Financial Institution Host

151: User database

153: storage unit

155: Verification Unit

170: remote device

171: Touch display unit

173: Processing Module

175: Trading Module

200: storage method

300: trading method

201,203,205,207,209: steps

301,303,305,307,309,311,313,315: steps

In order to make the above and other objectives, features, advantages and embodiments of the present invention more obvious and understandable, the detailed description of the attached drawings is as follows:

Fig. 1 is a schematic diagram of an electronic signature verification system according to an embodiment of the present invention.

FIG. 2 is a schematic diagram showing a storage method according to an embodiment of the present invention.

Fig. 3 is a schematic diagram showing a transaction method according to an embodiment of the present invention.

The following disclosure provides many different embodiments or examples to implement different features of the provided subject matter. The specific examples of components and arrangements described below are for simplifying the present invention. These are of course only examples, and their purpose is not to constitute a limitation. In addition, the present invention will repeat component symbols in various examples. The purpose of this repetition is for simplification and clarity, and does not mean that there is any relationship between the various embodiments and/or configurations discussed.

In summary, please refer to FIG. 1, which shows a schematic diagram of an electronic signature verification system 100 according to an embodiment of the present invention. As shown in Figure 1, the electronic signature verification system 100 includes an input device 110, a teller end host 130, a financial institution host 150, and a remote device 170. The teller end host 130 is electrically or signally connected to the input device 110, and the financial institution host 150 is signaled The teller terminal host 130, and the remote device 170 is connected to the financial institution host 150 through signals.

As shown in FIG. 1, the input device 110 includes a touch unit 111, a capture unit 113 and a conversion unit 115. The capture unit 113 is electrically connected to the touch unit 111, and the conversion unit 115 is electrically connected to the capture unit 113. Specifically, the input device 110 can be, for example, an electronic signature pad, a drawing tablet, or a touch screen. The input device 110 can be connected to the teller terminal host 130 via a transmission line, and can also be connected to the teller terminal host 130 via infrared, Bluetooth, or wireless network.

The touch unit 111 is configured to input a handwritten signature. In one embodiment, the user writes on the touch unit 111 with a finger or a stylus to form a handwritten signature. In an embodiment, the touch unit 111 can sense pressure, Thus, the pressure applied to the touch unit 111 during the writing process is converted into an electrical signal.

The capturing unit 113 is configured to capture an image of the handwritten signature. In one embodiment, the capturing unit 113 may capture the electrical signal and obtain the image of the handwritten signature according to the location and size of the electrical signal.

The conversion unit 115 is configured to convert the image of the aforementioned handwritten signature into image features. For example, the image features include font structure features such as the slope change of strokes, the relative length, position, and angle of different strokes. In one embodiment, the image features include pen movement characteristics such as changes in force applied by the pen, stroke sequence, and pen movement speed.

Depending on the purpose of use, the image feature can be an application feature value or a verification feature value. The applied characteristic value is stored in the database and used as the basis of comparison for future verification. The verification characteristic value is used for comparison with the comparison basis in the database when the user trades at the counter to complete the counter verification.

The teller terminal host 130 includes an input unit 131, a message unit 133, and a transaction unit 135. The message unit 133 is electrically connected to the input unit 131 and the transaction unit 135, and the transaction unit 135 is signally connected to the financial institution host 150. In an embodiment, the teller terminal host 130 may be a server of a financial institution or a computer device of an employee. In an embodiment, the teller terminal host 130 can connect to the financial institution host 150 via Internet signals, for example.

The input unit 131 is configured to input a user identification code. Specifically, the user identification code can be, for example, an account number, and the input unit 131 can be, for example, a keyboard or a card reader to input the account number, or to read a credit card or payment. The account number recorded by the financial card.

The message unit 133 is configured to receive the user identification code and the image feature generated by the conversion unit 115, and generate a corresponding storage message or verification message according to the image feature. The stored message includes the application feature value and the user identification code, and the verification message includes the verification feature value and the user identification code.

The financial institution host 150 includes a user database 151, a storage unit 153, and a verification unit 155. The user database 151 is electrically connected to the storage unit 153 and the verification unit 155. In one embodiment, the financial institution host 150 is a computer device or server installed at the headquarters of the financial institution.

The user database 151 is configured to store multiple user information, where the user information may include user personal information and deposit information. The storage unit 153 is configured to receive the storage message, and store the user identification code and the corresponding application characteristic value in the user database 151.

The verification unit 155 is configured to receive a verification message and compare whether the verification feature value is the same as the comparison basis in the user database 151 (ie, the application feature value corresponding to the same user identification code). When the verification feature value is the same as the comparison basis, the verification unit 155 generates a success message. When the verification feature value is different from the comparison basis, the verification unit 155 generates a failure message.

The aforementioned success message or failure message will be sent to the transaction unit 135 of the teller terminal host 130. When receiving the success message, the transaction unit 135 is configured to access the deposit data corresponding to the user identification code of the user database 151. When receiving the failure message, the transaction unit 135 does not access the user database 151.

The remote device 170 includes a touch display unit 171 and a processing module 173 and a transaction module 175, wherein the processing module 173 is electrically connected to the touch display unit 171 and the transaction module 175. In one embodiment, the remote device 170 further includes a processor and a memory unit (not shown in the figure), wherein the memory unit is configured to store application programs, and the processor is configured to execute the application programs, and perform processing by the application programs. Module 173 and transaction module 175. Specifically, the remote device 170 can be, for example, a mobile device such as a smart phone, a notebook computer, and a tablet computer, and the remote device 170 can be connected to the host 150 of the financial institution through an Internet signal. Accordingly, the user does not need to go through the counter, but can apply for electronic signature verification or complete mobile transactions through the remote device 170.

The touch display unit 171 is configured to input a user identification code and a handwritten signature, and display an image of the handwritten signature. The user identification code can be, for example, the entered account number or the card information obtained by a device such as a card reader ( Such as financial cards or credit cards). The processing module 173 is configured to convert the signature image into image features. Similarly, depending on the purpose of use, the image feature can be an application feature value or a verification feature value, and the processing module 173 is configured to generate a storage message or a verification message accordingly, and send the storage message or verification message to the host 150 of the financial institution. For the storage message or verification message sent by the remote device 170, the processing method of the financial institution host 150 is the same as that described above, so it will not be repeated here.

The transaction module 175 is configured to receive a success message or a failure message from the host 150 of the financial institution. When receiving the success message, the transaction module 175 can further access the deposit data corresponding to the user identification code in the user database 151. When receiving the failure message, the transaction module 175 cannot access the user database 151.

Please refer to FIG. 1 and FIG. 2 at the same time. FIG. 2 is a schematic diagram of a storage method 200 according to an embodiment of the present invention. When users want to apply for electronic signature verification, they can go to the counter of a financial institution to apply, or apply through online banking or apps.

When applying for a counter, as shown in step 201, the user inputs a handwritten signature on the touch unit 111 of the input device 110, and the clerk of the financial institution uses the input unit 131 of the teller terminal host 130 to input the user identification code. Then, the capturing unit 113 and the converting unit 115 perform step 203 and step 205 respectively, wherein the capturing unit 113 captures an image of the handwritten signature, and the converting unit 115 converts the image into an application feature value.

After receiving the user identification code and the applied characteristic value, the message unit 133 of the teller terminal host 130 executes step 207 to generate a storage message accordingly, and send the storage message to the host 150 of the financial institution. After receiving the storage message, the storage unit 153 of the financial institution host 150 stores the user identification code and the application characteristic value, as shown in step 209.

When applying through online banking or an application, the user uses the remote device 170 and connects to the host 150 of the financial institution via the Internet. The customer proceeds to step 201 in accordance with the instructions of the webpage or application program to input the handwritten signature and user identification code on the touch display unit 171.

Then, the processing module 173 performs step 203, step 205, and step 207 to capture the image of the handwritten signature, and convert the image into the application feature value. Then, the processing module 173 transmits the stored message containing the application feature value and the user identification code to the financial institution host 150 to complete the application for electronic signature verification, as shown in step 209.

Please refer to FIGS. 1 and 3 at the same time. FIG. 3 is a schematic diagram of a transaction method 300 according to an embodiment of the present invention. Among them, the user can perform transactions such as deposit, withdrawal, remittance, and/or transfer, etc., at the counter or through the remote device 170.

When performing a transaction at the counter, the user inputs a handwritten signature into the touch unit 111 of the input device 110, and the clerk inputs the user identification code to the input unit 131 of the teller terminal host 130, as shown in step 301. In the input device 110, the capturing unit 113 is configured to capture an image of a handwritten signature, and the conversion unit 115 is configured to convert the image into a verification feature value, as shown in step 303 and step 305.

After receiving the verification feature value and the user identification code, the message unit 133 generates and transmits a verification message to the host 150 of the financial institution, as shown in step 307. Then, the verification unit 155 compares whether the feature value is the same as the comparison basis stored in the database (ie, the application feature value described in FIG. 2 above), as shown in step 309. If the comparison is the same, the verification unit 155 executes step 311 to generate and send a success message to the teller terminal host 130. As shown in step 315, the clerk can enter a transaction instruction (such as executing deposit, withdrawal, transfer or remittance) into the transaction unit 135, where the transaction instruction includes the transaction amount, and the transaction unit 135 can update the user database corresponding to the transaction instruction The deposit data corresponding to the user identification code in 151 to complete the transaction.

In step 309, if the verification characteristic value is different from the application characteristic value, the verification unit 155 generates and transmits a failure message to the teller terminal host 130, as shown in step 313. After receiving the failure message, the transaction unit 135 cannot Access user database 151. At this time, the user needs to re-enter the handwritten signature, and/or the clerk needs to re-enter the user identification code.

Please continue to refer to Figure 1 and Figure 3. If the user is unable to trade at the counter, he can also perform the transaction action through the remote device 170, where the user inputs a handwritten signature and user identification code on the touch display unit 171, as shown in step 301, and the touch display unit 171 executes the steps 303 to generate an image of a handwritten signature. Then, the processing module 173 performs step 305 and step 307 to convert the image into a verification characteristic value, and generates and transmits a verification message to the host 150 of the financial institution. After the financial institution host 150 receives the verification message, the verification unit 155 performs step 309 to compare the application feature value with the verification feature value, and generates and transmits a success message or a failure message to the remote device 170 according to the comparison result, as in step 311 and step 313 are shown.

If a success message is received, the customer can enter a transaction instruction in the transaction module 175, and the transaction module 175 can update the deposit data corresponding to the user identification code in the user database 151 according to the transaction instruction, so as to comply with the transaction instruction and included in the transaction The transaction amount in the instruction completes the transaction action, as shown in step 315. If a failure message is received, the touch display unit 171 displays a prompt to re-enter the handwritten signature and/or user identification code. At this time, the user needs to re-enter the handwritten signature and/or user identification code.

It should be understood that the steps and/or procedures mentioned in Figure 2 and Figure 3 can be adjusted according to actual needs, except for those whose order is specifically stated. They can also be executed simultaneously or partially at the same time, or even increase Extra steps or omit some steps.

Based on the above description, the present invention uses an electronic signature verification system, It includes an input device, a teller terminal host and a financial institution host. The teller terminal host is electrically or signal connected to the input device, and the financial institution host signal is connected to the teller terminal host. When a user needs to perform a transaction, the electronic signature verification system of the present invention can be used to verify in real time with a handwritten signature, so that the verification process is fast and accurate, and the inconvenience of traditional verification with seal or password can be avoided.

Although the description of the present invention is performed with reference to the illustrated embodiments, it is not intended to limit the present invention. Those familiar with this art should be able to easily use the illustrated embodiment, other embodiments of the present invention, and the description of the present invention to perform various modifications and combinations. Therefore, the appended scope of patent application includes any of the above modifications or embodiments.

100: Electronic signature verification system

110: Input device

111: Touch unit

113: Capture Unit

115: conversion unit

130: Teller terminal host

131: input unit

133: Message Unit

135: Transaction Unit

150: Financial Institution Host

151: User database

153: storage unit

155: Verification Unit

170: remote device

171: Touch display unit

173: Processing Module

175: Trading Module

Claims (5)

An electronic signature verification system, including: An input device, including: A touch unit configured to input a first handwritten signature; A capturing unit electrically connected to the touch unit, wherein the capturing unit is configured to capture a first image of the first handwritten signature; and A conversion unit electrically connected to the capture unit, wherein the conversion unit is configured to convert the first image into a first image feature, and the first image feature is a first application feature value or a first verification Eigenvalues; A teller terminal host, which is electrically or signal connected to the input device, wherein the teller terminal host includes: An input unit configured to input a first user identification code; and A message unit is electrically connected to the input unit, and the message unit is configured to receive the first user identification code and the first image feature, and accordingly generate a first storage message or a first verification message, the first The stored message includes the first application feature value and the first user identification code, and the first verification message includes the first verification feature value and the first user identification code; and A host of a financial institution, the signal is connected to the terminal host of the teller, wherein the host of the financial institution includes: A user database, configured to store multiple user data; A storage unit electrically connected to the user database, wherein the storage unit is configured to receive the first storage message, and store the first user identification code and the corresponding first application characteristic value in the user database; To and A verification unit electrically connected to the user database, the verification unit being configured to receive the first verification message to compare whether the first verification feature value is the same as the first user identification code corresponding to the user database The characteristic value of the first application, and When the first verification characteristic value is the same as the first application characteristic value, the verification unit generates a success message, or When the first verification characteristic value is different from the first application characteristic value, the verification unit generates a failure message. The electronic signature verification system according to claim 1, wherein the user information includes a deposit information. According to the electronic signature verification system of claim 2, wherein the teller terminal host further includes a transaction unit, the transaction unit signal is connected to the financial institution host, the transaction unit is configured to receive the success message or the failure message, and When receiving the success message, the transaction unit is configured to access the user data corresponding to the first user identification code of the user database, or When receiving the failure message, the transaction unit does not access the user database. The electronic signature verification system described in claim 1, further including: A remote device, signal connected to the host of the financial institution, wherein the remote device includes: A touch display unit configured to input a second user identification code and a second handwritten signature, and display a second image of the second handwritten signature; and A processing module electrically connected to the touch display unit, the processing module configured to receive the second user identification code, the success message and the failure message, The processing module is configured to convert the second image into a second image feature, and correspondingly generate and transmit a second storage message or a second verification message to the host of the financial institution, and the second image feature is a A second application feature value or a second verification feature value, the second storage message includes the second application feature value and the second user identification code, the second verification message includes the second verification feature value and the second user Identification code. For the electronic signature verification system described in claim 4, the remote device further includes a transaction module, wherein the transaction module is electrically connected to the processing module to receive the success message or the failure message from the processing module And When receiving the success message, the transaction module is configured to access the deposit data corresponding to the second user identification code of the user database, or When receiving the failure message, the transaction module does not access the user database.

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