WO2015196581A1 - 签名方法、装置、虚拟柜员机用户端设备和柜员端设备 - Google Patents

签名方法、装置、虚拟柜员机用户端设备和柜员端设备 Download PDF

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Publication number
WO2015196581A1
WO2015196581A1 PCT/CN2014/086568 CN2014086568W WO2015196581A1 WO 2015196581 A1 WO2015196581 A1 WO 2015196581A1 CN 2014086568 W CN2014086568 W CN 2014086568W WO 2015196581 A1 WO2015196581 A1 WO 2015196581A1
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WIPO (PCT)
Prior art keywords
signature
information
user
module
teller
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PCT/CN2014/086568
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English (en)
French (fr)
Inventor
汪建
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中兴通讯股份有限公司
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Publication of WO2015196581A1 publication Critical patent/WO2015196581A1/zh

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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/126—Applying verification of the received information the source of the received data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/36—User authentication by graphic or iconic representation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/206—Software aspects at ATMs
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan

Definitions

  • the invention relates to the field of virtual teller machines, in particular to a signature method and device, a virtual teller machine user equipment and a teller end equipment.
  • VTM Virtual Teller Machine
  • a remote teller machine a video teller machine
  • the virtual teller system can help users to achieve full-scale financial services such as public-to-private, international and domestic, local and foreign currency, financial management, etc. Most of the financial business can be done by self-help.
  • the object of the present invention is to provide a signature method and device, a virtual teller machine user equipment and a teller terminal device, which can complete the confirmation of the user signature and the signature information on the virtual teller machine, improve the security of the financial service, and enhance the user experience.
  • a signature method for a client device of a virtual teller machine comprising:
  • the method further includes:
  • the confirmation result is displayed.
  • the user signature comprises at least one of an electronic signature, a manual signature, and an electronic fingerprint signature.
  • the user equipment is configured with an electronic signature interface
  • the step of collecting signature information of the user signature includes:
  • the method further includes:
  • the step of collecting the first password of the digital certificate input by the user at the user equipment includes:
  • the verification result shows that the information verification of the digital certificate is successful
  • the first password of the digital certificate input by the user at the user equipment is collected.
  • the client device is provided with a signature paper for manual signature;
  • the step of collecting signature information of the user signature includes:
  • the user equipment is provided with a fingerprint collection window
  • the step of collecting signature information of the user signature includes:
  • the method further includes: encrypting the signature information
  • the step of transmitting the signature information to the teller end device of the virtual teller machine includes: The encrypted signature information is sent to the teller end device of the virtual teller machine.
  • the method further includes:
  • a signature method for a teller end device of a virtual teller machine comprising:
  • the method further includes:
  • a signature device for a client device of a virtual teller machine comprising a first acquisition module and a first transmission module, wherein:
  • the first collection module is configured to: collect signature information of a user signature
  • the first sending module is configured to: send the signature information to a teller end device of the virtual teller machine, and notify the teller end device to confirm whether the signature information is consistent with the prestored confirmation information.
  • the device further includes a first receiving module and a display module, where:
  • the first receiving module is configured to: receive a confirmation result returned by the teller end device to confirm whether the signature information is consistent with the pre-stored confirmation information;
  • the display module is configured to: display the confirmation result.
  • the user signature comprises at least one of an electronic signature, a manual signature, and an electronic fingerprint signature.
  • the user equipment is configured with an electronic signature interface
  • the first collection module includes a first collection sub-module, and the first collection sub-module is configured to: collect a first password of a digital certificate input by the user at the user equipment, where the digital certificate A digital certificate for electronic signature inserted by the user through the electronic signature interface.
  • the device further includes a second collection module and a verification module, where:
  • the second collection module is configured to: collect information about the digital certificate
  • the verification module is configured to: verify the information of the digital certificate, and obtain a verification result
  • the first collection submodule is configured to collect a first password of a digital certificate input by the user at the user equipment according to the following manner:
  • the verification result shows that the information verification of the digital certificate is successful
  • the first password of the digital certificate input by the user at the user equipment is collected.
  • the client device is provided with a signature paper for manual signature;
  • the first collection module includes a second collection submodule, and the second collection submodule is configured to: collect manual signature information on the signature paper.
  • the user equipment is provided with a fingerprint collection window
  • the first collection module includes a third collection sub-module, and the third collection sub-module is configured to: collect fingerprint information of the fingerprint collection window.
  • the apparatus further includes an encryption module, wherein:
  • the encryption module is configured to: encrypt the signature information
  • the first sending module is configured to send the signature information to the teller end device of the virtual teller machine as follows:
  • the encrypted signature information is sent to the teller end device of the virtual teller machine.
  • the device further includes a video file generating module:
  • the video file generating module is configured to: record a video file of a whole process of user signature.
  • a signature device for a teller end device of a virtual teller machine comprising a second receiving module and a confirmation module, wherein:
  • the second receiving module is configured to: receive signature information sent by the user equipment of the virtual teller machine;
  • the confirmation module is configured to: confirm whether the signature information is consistent with the pre-stored confirmation information, and obtain a confirmation result.
  • the device further includes a second sending module:
  • the second sending module is configured to: return the confirmation result to the user equipment.
  • a client device of a virtual teller machine comprising any of the above-mentioned signature devices for a client device of a virtual teller machine.
  • a teller end device for a virtual teller machine comprising any of the above-described signature devices for a teller end device of a virtual teller machine.
  • the embodiment of the invention can complete the confirmation of the user signature and the signature information on the virtual teller machine, improve the security of the financial service, and enhance the user experience;
  • the entire process of the user signature forms a video file for later verification, which ensures the legitimate rights and interests of the user and the financial institution;
  • the signature information when the signature information is sent to the teller end device, the information is sent in an encrypted manner to ensure security;
  • the user only needs to perform operations on the user equipment, and the whole process is convenient and fast, satisfies the needs of the user, and enhances the user experience.
  • FIG. 1 is a schematic flowchart of a method for signing a client device of a virtual teller machine according to an embodiment of the present invention
  • FIG. 2 is a schematic flowchart of an electronic signature and confirmation process according to an embodiment of the present invention
  • FIG. 3 is a schematic flowchart of a manual signature and confirmation process according to an embodiment of the present invention.
  • FIG. 4 is a schematic flowchart of an electronic fingerprint signature and confirmation process according to an embodiment of the present invention.
  • FIG. 5 is a schematic flowchart of a method for signing a virtual teller cabinet end device according to an embodiment of the present invention
  • FIG. 6 is a schematic structural diagram of a signature device for a virtual teller machine user equipment according to an embodiment of the present invention.
  • FIG. 7 is a schematic structural diagram of a signature device for a virtual teller cabinet terminal device according to an embodiment of the present invention.
  • the embodiment of the invention provides a signature method for a client device of a virtual teller machine.
  • the method is as shown in FIG. 1 and includes:
  • Step 11 collecting signature information of the user signature
  • Step 12 Send the signature information to the teller end device of the virtual teller machine, so that the teller end device confirms whether the signature information is consistent with the prestored confirmation information.
  • the user equipment of the virtual teller machine collects the signature information signed by the user and sends it to the teller end device, and the teller end device confirms whether the signature information is consistent with the prestored confirmation information.
  • the process of confirming the user signature and signature information on the virtual teller machine is realized, which improves the security of the financial service and enhances the user experience.
  • the teller end device will return a confirmation result, and the user terminal device will display the confirmation result for the user to view. That is, the method further includes:
  • the confirmation result is displayed.
  • the user signature includes at least one of an electronic signature, a manual signature, and an electronic fingerprint signature.
  • the user equipment is configured with an electronic signature interface
  • the collecting the signature information of the user signature specifically includes:
  • the digital certificate can be issued by the relevant financial institution and associated with the user account. At the same time, before the first password is collected, the user equipment should check the validity and security of the digital certificate to prevent the illegal user from using the invalid digital certificate to steal the user financial information.
  • the first password of the digital certificate input by the user at the user equipment is specifically:
  • the verification result shows that the information verification of the digital certificate is successful
  • the first password of the digital certificate input by the user at the user equipment is collected.
  • the verification of the digital certificate may employ any method used in the prior art for verifying the validity and security of the digital certificate, which is not enumerated here.
  • the first password is collected, and the first password is verified by the background system of the virtual teller machine.
  • the password verification result can be displayed on both the client device and the teller device of the virtual teller machine. Further, the teller performs further confirmation on the teller end device of the virtual teller machine according to the displayed password verification result, and returns the confirmation result to the user equipment, so that the user equipment prompts the user to perform the next operation.
  • the method further includes:
  • the teller device that sends the signature information to the virtual teller machine is specifically:
  • the encrypted signature information is sent to the teller end device of the virtual teller machine.
  • the encryption method may adopt any encryption method in the prior art.
  • the entire process of user signature will form a video file for later verification. That is, the method further includes:
  • Step 21 The user inserts a digital certificate at a digital certificate interface provided by the client device of the virtual teller system;
  • Step 22 The user equipment checks the digital certificate to verify its validity and security.
  • Step 23 If the verification is successful, the user equipment prompts the user to input the first password and performs digital signature.
  • Step 24 the user inputs a password and performs digital signature.
  • Step 25 The client device encrypts and sends a password to the background system of the virtual teller machine, and the system checks the correctness of the password in the background;
  • Step 26 If the password verification is successful, the password verification result is encrypted and sent to the client end and the teller end device;
  • Step 27 displaying the password verification result to the user and the teller;
  • Step 28 the teller further confirms the displayed password verification result on the teller end device
  • Step 29 the confirmation result is sent to the client device through the background of the virtual teller machine;
  • Step 210 after the teller verifies the signature, the system generates a record, and retains the signed video for later verification.
  • step 211 the user equipment prompts the user to perform the next operation.
  • the user can also sign the manual signature as follows.
  • the client device When the user signature is a manual signature, the client device is provided with a signature paper for manual signature;
  • the collecting the signature information of the user signature specifically includes:
  • the virtual terminal machine user device When manual signature is required, the virtual terminal machine user device will pop up the signature paper (not necessarily paper, as long as it can be used for signature), the user will sign, and then the user equipment will recycle the signature paper for later verification;
  • the user equipment scans the signature paper, and sends the scanned first electronic document containing the manual signature information to the teller end device, and displays the signature on the teller end and the customer end device; the teller confirms the signature according to the prestored confirmation information. After that, the confirmation result is returned to the user equipment, and the user equipment prompts the user to perform the next step of the business.
  • the scanned electronic document containing the manual signature information needs to be encrypted and sent to the teller device.
  • the entire process of user signing requires the formation of a video file.
  • Step 31 The virtual teller machine user equipment pops up the signature paper
  • step 32 the user signs the signature on the signature paper
  • Step 33 The user equipment recovers the signature paper and deposits the bill
  • Step 34 The user equipment scans the signature to generate a first electronic document that includes manual signature information.
  • Step 35 Display the scan result on the user equipment interface for the user to view
  • Step 36 The client device encrypts the first electronic document and transmits the first electronic document to the teller device through the virtual teller background system;
  • Step 37 Display the decrypted first electronic document on the teller end device
  • step 38 the teller confirms on the teller end device according to the pre-stored confirmation information
  • Step 39 The confirmation result is sent to the user equipment through the virtual teller background system
  • Step 310 after the teller verifies the signature, the system generates a record, and retains the signed video for later verification;
  • step 311 the user equipment prompts the user to perform the next operation.
  • the user equipment is provided with a fingerprint collection window
  • the collecting the signature information of the user signature specifically includes:
  • the user presses a finger or the entire palm in the fingerprint collection window of the virtual teller user equipment, and then the user equipment collects the fingerprint or the fingerprint; then, the device collects the result in the same second
  • the form of the document is fed back to the virtual teller system teller device, and at the same time, the fingerprint or fingerprint is displayed on the teller end and the client device; after confirming the signature, the teller performs the next step of the business.
  • the scanned second electronic document containing the fingerprint information needs to be encrypted and sent to the teller end device.
  • the entire process of user signing requires the formation of a video file.
  • Step 41 The user presses a finger or a palm on a fingerprint collection window of the virtual teller machine user equipment (different business or financial institutions are different);
  • Step 42 The user equipment collects a fingerprint or a palm print of the user, and generates a second electronic document that includes the fingerprint information.
  • Step 43 displaying the scan result on the user equipment interface for the user to view
  • Step 44 The client device encrypts the second electronic document and transmits it to the teller device through the virtual teller background system.
  • Step 45 Display the decrypted second electronic document on the teller end device
  • step 46 the teller confirms according to the pre-stored confirmation information on the teller-end device, and obtains the confirmation result;
  • Step 47 the confirmation result is sent to the user equipment through the background system
  • Step 48 After the teller verifies the signature, the system generates a record and retains the signed video for later verification;
  • step 49 the user equipment prompts the user to perform the next operation.
  • the embodiment of the invention can complete the confirmation of the user signature and the signature information on the virtual teller machine, improve the security of the financial service, and enhance the user experience.
  • the user device can perform the user signature by at least one of an electronic signature, an electronic signature, a manual signature, and an electronic fingerprint signature, and the signature information is confirmed by the teller device.
  • the signature information is sent to the teller end device by means of encryption, which further ensures the security.
  • the entire process of user signature will form a video file for later verification, which guarantees the legitimate rights and interests of users and financial institutions.
  • the embodiment of the present invention further provides a signature method for a teller end device of a virtual teller machine.
  • the method is as shown in FIG. 5, and includes:
  • Step 51 Receive signature information sent by a client device of the virtual teller machine.
  • Step 52 Confirm whether the signature information is consistent with the pre-stored confirmation information, and obtain a confirmation result.
  • the embodiment of the present invention further provides a signature device for a client device of a virtual teller machine.
  • the device is as shown in FIG. 6 and includes:
  • the first collecting module 61 is configured to: collect signature information of the user signature
  • the first sending module 62 is configured to: send the signature information to the teller end device of the virtual teller machine, and notify the teller end device to confirm whether the signature information is consistent with the prestored confirmation information.
  • the device further comprises:
  • the first receiving module is configured to: receive a confirmation result returned by the teller end device to confirm whether the signature information is consistent with the pre-stored confirmation information;
  • the display module is configured to: display the confirmation result.
  • the above signature device wherein the user signature comprises at least one of an electronic signature, a manual signature, and an electronic fingerprint signature.
  • the above signature device wherein the user equipment is an electronic signature when the user signature is Set up an electronic signature interface
  • the first collection module specifically includes:
  • the first collection sub-module is configured to: collect a first password of a digital certificate input by the user at the user equipment, where the digital certificate is a digital certificate for electronic signature inserted by the user through the electronic signature interface.
  • the device further comprises:
  • the second collection module is configured to: collect information about the digital certificate
  • a verification module configured to: verify the information of the digital certificate, and obtain a verification result
  • the first collection submodule is configured to collect a first password of a digital certificate input by the user at the user equipment according to the following manner:
  • the verification result shows that the information verification of the digital certificate is successful
  • the first password of the digital certificate input by the user at the user equipment is collected.
  • the client device when the user signature is a manual signature, the client device is provided with a signature paper for manual signature;
  • the first collection module specifically includes:
  • the second collection submodule is configured to: collect manual signature information on the signature paper.
  • the user terminal device when the user signature is an electronic fingerprint signature, the user terminal device is provided with a fingerprint collection window;
  • the first collection module specifically includes:
  • the third collection sub-module is configured to: collect fingerprint information of the fingerprint collection window.
  • the device further comprises:
  • the encryption module is configured to: encrypt the signature information
  • the first sending module is configured to send the signature information to the teller end device of the virtual teller machine as follows:
  • the encrypted signature information is sent to the teller end device of the virtual teller machine.
  • the device further comprises:
  • the video file generation module is configured to: record a video file of the entire process of user signature.
  • the embodiment of the present invention further provides a signature device for a teller end device of a virtual teller machine.
  • the device is as shown in FIG. 7 and includes:
  • the second receiving module 71 is configured to: receive signature information sent by the user equipment of the virtual teller machine;
  • the confirmation module 72 is configured to confirm whether the signature information matches the pre-stored confirmation information, and obtain a confirmation result.
  • the device further comprises:
  • the second sending module is configured to: return the confirmation result to the user equipment.
  • the embodiment of the invention further provides a client device of a virtual teller machine, the device comprising any of the above-mentioned signature devices for the client device of the virtual teller machine.
  • the embodiment of the invention further provides a teller end device of a virtual teller machine, the device comprising any of the above-mentioned signature devices for the teller end device of the virtual teller machine.
  • the user only needs to operate on the user equipment, the whole process is convenient and fast, meets the needs of the user, and enhances the user experience, so the invention has strong industrial applicability.

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Abstract

一种签名方法、装置、虚拟柜员机用户端设备和柜员端设备，其中用于虚拟柜员机的用户端设备的签名方法包括：采集用户签名的签名信息；将所述签名信息发送到所述虚拟柜员机的柜员端设备，使得所述柜员端设备确认所述签名信息与预存的确认信息是否一致。上述技术方案能够在虚拟柜员机上完成用户签名和签名信息的确认，提高金融业务的安全性，增强用户体验。

Description

签名方法、装置、虚拟柜员机用户端设备和柜员端设备 技术领域
本发明涉及虚拟柜员机领域，尤其涉及一种签名方法、装置、虚拟柜员机用户端设备和柜员端设备。
背景技术
虚拟柜员机(Virtual Teller Machine，VTM)又称远程柜员机、视频柜员机等。在虚拟柜员机系统中，通过用户和远程银行柜员之间的远程音视频通话和桌面共享，虚拟柜员机系统可以帮助用户实现对公对私、国际国内、本外币、金融理财等全方位金融服务，用户可以自助完成大部分的金融业务。
几乎所有的金融业务都涉及到用户的身份确认、签名处理确认等，一旦其中一个环节出现问题，都会导致很多问题。但是，对于虚拟柜员机系统来说，在用户和柜员进行业务交互的过程中，因为是远程服务，所以很多确认信息不能由用户直接提供给柜员。
发明内容
本发明的目的是提供一种签名方法、装置、虚拟柜员机用户端设备和柜员端设备，能够在虚拟柜员机上完成用户签名和签名信息的确认，提高金融业务的安全性，增强用户体验。
为了实现上述目的，采用如下技术方案：
一种签名方法，用于虚拟柜员机的用户端设备，所述方法包括：
采集用户签名的签名信息；
将所述签名信息发送到所述虚拟柜员机的柜员端设备，通知所述柜员端设备确认所述签名信息与预存的确认信息是否一致。
可选地，所述方法还包括：
接收所述柜员端设备返回的确认所述签名信息与预存的确认信息是否一 致的确认结果；
显示所述确认结果。
可选地，所述用户签名包括电子签名、手工签名和电子手印签名中的至少一种。
可选地，所述用户签名为电子签名时，所述用户端设备设置有电子签名接口；
所述采集用户签名的签名信息的步骤包括：
采集用户在所述用户端设备输入的数字证书的第一密码，其中所述数字证书为用户通过所述电子签名接口插入的用于电子签名的数字证书。
可选地，所述方法还包括：
采集所述数字证书的信息；
对所述数字证书的信息进行校验，获得校验结果；
所述采集用户在所述用户端设备输入的数字证书的第一密码的步骤包括：
当校验结果显示对所述数字证书的信息校验成功时，采集用户在所述用户端设备输入的数字证书的第一密码。
可选地，所述用户签名为手工签名时，所述用户端设备设置有用于手工签名的签名纸；
所述采集用户签名的签名信息的步骤包括：
采集所述签名纸上的手工签名信息。
可选地，所述用户签名为电子手印签名时，所述用户端设备设置有手印采集窗口；
所述采集用户签名的签名信息的步骤包括：
采集所述手印采集窗口的手印信息。
可选地，所述方法还包括：对所述签名信息进行加密；
所述将所述签名信息发送到所述虚拟柜员机的柜员端设备的步骤包括： 将所述加密后的签名信息发送到所述虚拟柜员机的柜员端设备。
可选地，所述方法还包括：
录制用户签名整个过程的视频文件。
一种签名方法，用于虚拟柜员机的柜员端设备，所述方法包括：
接收所述虚拟柜员机的用户端设备发送的签名信息；
确认所述签名信息与预存的确认信息是否一致，获得确认结果。
可选地，所述方法还包括：
将所述确认结果返回给所述用户端设备。
一种签名装置，用于虚拟柜员机的用户端设备，所述装置包括第一采集模块和第一发送模块，其中：
所述第一采集模块设置成：采集用户签名的签名信息；
所述第一发送模块设置成：将所述签名信息发送到所述虚拟柜员机的柜员端设备，通知所述柜员端设备确认所述签名信息与预存的确认信息是否一致。
可选地，所述装置还包括第一接收模块和显示模块，其中：
所述第一接收模块设置成：接收所述柜员端设备返回的确认所述签名信息与预存的确认信息是否一致的确认结果；
所述显示模块设置成：显示所述确认结果。
可选地，所述用户签名包括电子签名、手工签名和电子手印签名中的至少一种。
可选地，所述用户签名为电子签名时，所述用户端设备设置有电子签名接口；
所述第一采集模块包括第一采集子模块，所述第一采集子模块设置成：采集用户在所述用户端设备输入的数字证书的第一密码，其中所述数字证书 为用户通过所述电子签名接口插入的用于电子签名的数字证书。
可选地，所述装置还包括第二采集模块和校验模块，其中：
所述第二采集模块设置成：采集所述数字证书的信息；
所述校验模块设置成：对所述数字证书的信息进行校验，获得校验结果；
所述第一采集子模块设置成按照如下方式采集用户在所述用户端设备输入的数字证书的第一密码：
当校验结果显示对所述数字证书的信息校验成功时，采集用户在所述用户端设备输入的数字证书的第一密码。
可选地，所述用户签名为手工签名时，所述用户端设备设置有用于手工签名的签名纸；
所述第一采集模块包括第二采集子模块，所述第二采集子模块设置成：采集所述签名纸上的手工签名信息。
可选地，所述用户签名为电子手印签名时，所述用户端设备设置有手印采集窗口；
所述第一采集模块包括第三采集子模块，所述第三采集子模块设置成：采集所述手印采集窗口的手印信息。
可选地，所述装置还包括加密模块，其中：
所述加密模块设置成：对所述签名信息进行加密；
所述第一发送模块设置成按照如下方式将所述签名信息发送到所述虚拟柜员机的柜员端设备：
将所述加密后的签名信息发送到所述虚拟柜员机的柜员端设备。
可选地，所述装置还包括视频文件生成模块：
所述视频文件生成模块设置成：录制用户签名整个过程的视频文件。
一种签名装置，用于虚拟柜员机的柜员端设备，所述装置包括第二接收模块和确认模块，其中：
所述第二接收模块设置成：接收所述虚拟柜员机的用户端设备发送的签名信息；
所述确认模块设置成：确认所述签名信息与预存的确认信息是否一致，获得确认结果。
可选地，所述装置还包括第二发送模块：
所述第二发送模块设置成：将所述确认结果返回给所述用户端设备。
一种虚拟柜员机的用户端设备，所述设备包括上述任一项用于虚拟柜员机的用户端设备的签名装置。
一种虚拟柜员机的柜员端设备，所述设备包括上述任一项用于虚拟柜员机的柜员端设备的签名装置。
本发明实施例具有以下有益效果中的至少一项：
本发明实施例能够在虚拟柜员机上完成用户签名和签名信息的确认，提高了金融业务的安全性，增强了用户体验；
在本发明实施例中，用户签名的整个过程都会形成视频文件，用于以后查证，保证了用户和金融机构的合法权益；
在本发明实施例中，当签名信息发送到柜员端设备时，都采用加密的方式发送，保证了安全性；
在本发明实施例中，用户只需要在用户端设备上进行操作即可，整个过程方便、快捷，满足了用户的需求，增强了用户的体验。
附图概述
图1为本发明实施例提供的用于虚拟柜员机用户端设备的签名方法的流程示意图；
图2为本发明实施例提供的电子签名及确认过程的流程示意图；
图3为本发明实施例提供的手工签名及确认过程的流程示意图；
图4为本发明实施例提供的电子手印签名及确认过程的流程示意图；
图5为本发明实施例提供的用于虚拟柜员机柜员端设备的签名方法的流程示意图；
图6为本发明实施例提供的用于虚拟柜员机用户端设备的签名装置的结构示意图；
图7为本发明实施例提供的用于虚拟柜员机柜员端设备的签名装置的结构示意图。
本发明的较佳实施方式
下面将结合附图及具体实施例进行详细描述。
本发明实施例提供了一种签名方法，用于虚拟柜员机的用户端设备，所述方法如图1所示，包括：
步骤11，采集用户签名的签名信息；
步骤12，将所述签名信息发送到所述虚拟柜员机的柜员端设备，使得所述柜员端设备确认所述签名信息与预存的确认信息是否一致。
在本发明实施例提供的签名方法中，虚拟柜员机的用户端设备采集用户签名的签名信息，并发送到柜员端设备，由柜员端设备确认签名信息与预存的确认信息是否一致。实现了在虚拟柜员机上完成用户签名和签名信息的确认过程，提高了金融业务的安全性，增强了用户体验。
为了进一步地提升用户体验，柜员端设备会返回确认结果，由用户端设备将确认结果显示出来，以便用户查看。即所述方法还包括：
接收所述柜员端设备返回的确认所述签名信息与预存的确认信息是否一致的确认结果；
显示所述确认结果。
在本发明实施例中，优选地，所述用户签名包括电子签名、手工签名和电子手印签名中的至少一种。
下面分别介绍一下上述三种方式用户签名及签名信息的确认过程。
<方式一>
所述用户签名为电子签名时，所述用户端设备设置有电子签名接口；
所述采集用户签名的签名信息具体包括：
采集用户在所述用户端设备输入的数字证书的第一密码，其中所述数字证书为用户通过所述电子签名接口插入的用于电子签名的数字证书。
数字证书可以由相关的金融机构发放，并与用户账户进行实名关联。同时，在采集第一密码之前，用户端设备应先对数字证书的有效性和安全性进行校验，以防非法用户采用无效的数字证书窃取用户金融信息，即所述方法还包括：
采集所述数字证书的信息；
对所述数字证书的信息进行校验，获得校验结果；
所述采集用户在所述用户端设备输入的数字证书的第一密码具体为：
当校验结果显示对所述数字证书的信息校验成功时，采集用户在所述用户端设备输入的数字证书的第一密码。
对数字证书的验证可以采用现有技术中用于验证数字证书有效性和安全性的任意方法，在此不一一列举。
当数字证书的信息校验成功后，采集所述第一密码，由虚拟柜员机的后台系统对第一密码进行验证。密码验证成功后，可以将密码验证结果同时显示在虚拟柜员机的用户端设备和柜员端设备上。进一步地，由柜员在虚拟柜员机的柜员端设备上根据显示的密码验证结果进行进一步确认，并将确认结果返回用户端设备，以便用户端设备提示用户进行下一步操作。
为了进一步地保证金融交易过程的安全性，当需要将第一密码发送到柜员端设备时，采用加密的方式发送。即所述方法还包括：
对所述签名信息进行加密；
所述将所述签名信息发送到所述虚拟柜员机的柜员端设备具体为：
将所述加密后的签名信息发送到所述虚拟柜员机的柜员端设备。
其中，加密的方法可以采用现有技术中任意一种加密方式。
同时优选地，为了保证了用户和金融机构的合法权益，用户签名的整个过程都会形成视频文件，用于以后查证。即所述方法还包括：
录制用户签名整个过程的视频文件。
下面结合图2介绍一下用户在虚拟柜员机上进行电子签名及签名信息确认的整体过程，包括：
步骤21，用户在虚拟柜员机系统用户端设备提供的数字证书接口处插入数字证书；
步骤22，用户端设备对于数字证书进行校验，校验其有效性和安全性；
步骤23，如果校验成功，用户端设备提示用户输入第一密码，进行数字签名；
步骤24，用户输入密码，进行数字签名；
步骤25，用户端设备向虚拟柜员机后台系统加密发送密码，系统后台校验密码的正确性；
步骤26，密码验证成功，则将密码验证结果加密发送至用户端和柜员端设备；
步骤27，将密码验证结果显示给用户和柜员；
步骤28，柜员在柜员端设备上对显示的密码验证结果进行进一步地确认；
步骤29，确认结果通过虚拟柜员机后台发送至用户端设备；
步骤210，在柜员验证签名之后，系统会生成记录，保留签名的视频，用于以后查证
步骤211，用户端设备提示用户进行下一步操作。
用户签名时除了可以采用电子签名外，还可以进行手工签名，如下。
<方式二>
所述用户签名为手工签名时，所述用户端设备设置有用于手工签名的签名纸；
所述采集用户签名的签名信息具体包括：
采集所述签名纸上的手工签名信息。
当需要使用手工签名时，虚拟柜员机用户端设备会弹出签名纸(不一定是纸质，只要能用于签名即可)，用户进行签字，然后用户端设备回收签名纸，用于以后查证；同时，用户端设备扫描该签名纸，将扫描后的包含手工签名信息的第一电子文档发送到柜员端设备，同时，在柜员端和用户端设备上显示签名；柜员在根据预存的确认信息确认签名后，返回确认结果到用户端设备，用户端设备提示用户进行业务的下一个步骤。
当然，与电子签名的过程相同，扫描后的包含手工签名信息的电子文档需要加密后发送到柜员端设备。同时，用户签名的整个过程需要形成视频文件。
下面结合图3介绍一下用户在虚拟柜员机上进行手工签名及签名信息确认的整体过程，包括：
步骤31，虚拟柜员机用户端设备弹出签名纸；
步骤32，用户在签名纸上用笔签名；
步骤33，用户端设备对签名纸进行回收，存单；
步骤34，用户端设备对于签名进行扫描，生成包含手工签名信息的第一电子文档；
步骤35，将扫描结果显示在用户端设备界面上，供用户查看；
步骤36，用户端设备将第一电子文档加密，通过虚拟柜员机后台系统传递给柜员端设备；
步骤37，在柜员端设备上显示解密后的第一电子文档；
步骤38，柜员在柜员端设备上根据预存的确认信息进行确认；
步骤39，确认结果通过虚拟柜员机后台系统发送至用户端设备；
步骤310，在柜员验证签名之后，系统会生成记录，保留签名的视频，用于以后查证；
步骤311，用户端设备提示用户进行下一步操作。
此外，在本发明实施例中还提供了利用电子手印进行签名的方式，如下。
<方式三>
所述用户签名为电子手印签名时，所述用户端设备设置有手印采集窗口；
所述采集用户签名的签名信息具体包括：
采集所述手印采集窗口的手印信息。
当需要使用电子手印签名时，用户在虚拟柜员机用户端设备的手印采集窗口按下某一个手指或者整个手掌，然后用户端设备对指纹或者手印进行采集；然后，设备将采集结果同样以第二电子文档的形式反馈至虚拟柜员机系统柜员端设备，同时，在柜员端和用户端设备上显示指纹或手印；柜员在确认签名后，进行业务的下一个步骤。
同样地，扫描后的包含手印信息的第二电子文档需要加密后发送到柜员端设备。同时，用户签名的整个过程需要形成视频文件。
下面结合图4介绍一下用户在虚拟柜员机上进行电子手印签名及签名信息确认的整体过程，包括：
步骤41，用户在虚拟柜员机用户端设备的手印采集窗口上按下手指或手掌(不同的业务或金融机构而有所不同)；
步骤42，用户端设备对用户的手指指纹或掌印进行采集，并生成包含手印信息的第二电子文档；
步骤43，将扫描结果显示在用户端设备界面上，供用户查看；
步骤44，用户端设备将第二电子文档加密，通过虚拟柜员机后台系统传递给柜员端设备；
步骤45，在柜员端设备上显示解密后的第二电子文档；
步骤46，柜员在柜员端设备上根据预存的确认信息进行确认，获得确认结果；
步骤47，将确认结果通过后台系统发送至用户端设备；
步骤48，在柜员验证签名之后，系统会生成记录，保留签名的视频，用于以后查证；
步骤49，用户端设备提示用户进行下一步操作。
本发明实施例能够在虚拟柜员机上完成用户签名和签名信息的确认，提高了金融业务的安全性，增强了用户体验。优选地，可以在用户端设备通过电子签名、电子签名、手工签名和电子手印签名中的至少一种进行用户签名，由柜员端设备对签名信息进行确认。同时，采用加密的方式将签名信息发送到柜员端设备，进一步保证了安全性。用户签名的整个过程都会形成视频文件，用于以后查证，保证了用户和金融机构的合法权益。
上述过程用户只需要在用户端设备上进行操作即可，整个过程方便、快捷，满足了用户的需求，增强了用户的体验。
本发明实施例还提供了一种签名方法，用于虚拟柜员机的柜员端设备，所述方法如图5所示，包括：
步骤51，接收所述虚拟柜员机的用户端设备发送的签名信息；
步骤52，确认所述签名信息与预存的确认信息是否一致，获得确认结果。
上述的签名方法，其中，所述方法还包括：
将所述确认结果返回给所述用户端设备。
本发明实施例还提供了一种签名装置，用于虚拟柜员机的用户端设备，所述装置如图6所示，包括：
第一采集模块61，设置成：采集用户签名的签名信息；
第一发送模块62，设置成：将所述签名信息发送到所述虚拟柜员机的柜员端设备，通知所述柜员端设备确认所述签名信息与预存的确认信息是否一致。
上述的签名装置，其中，所述装置还包括：
第一接收模块，设置成：接收所述柜员端设备返回的确认所述签名信息与预存的确认信息是否一致的确认结果；
显示模块，设置成：显示所述确认结果。
上述的签名装置，其中，所述用户签名包括电子签名、手工签名和电子手印签名中的至少一种。
上述的签名装置，其中，所述用户签名为电子签名时，所述用户端设备 设置有电子签名接口；
所述第一采集模块具体包括：
第一采集子模块，设置成：采集用户在所述用户端设备输入的数字证书的第一密码，其中所述数字证书为用户通过所述电子签名接口插入的用于电子签名的数字证书。
上述的签名装置，其中，所述装置还包括：
第二采集模块，设置成：采集所述数字证书的信息；
校验模块，设置成：对所述数字证书的信息进行校验，获得校验结果；
所述第一采集子模块设置成按照如下方式采集用户在所述用户端设备输入的数字证书的第一密码：
当校验结果显示对所述数字证书的信息校验成功时，采集用户在所述用户端设备输入的数字证书的第一密码。
上述的签名装置，其中，所述用户签名为手工签名时，所述用户端设备设置有用于手工签名的签名纸；
所述第一采集模块具体包括：
第二采集子模块，设置成：采集所述签名纸上的手工签名信息。
上述的签名装置，其中，所述用户签名为电子手印签名时，所述用户端设备设置有手印采集窗口；
所述第一采集模块具体包括：
第三采集子模块，设置成：采集所述手印采集窗口的手印信息。
上述的签名装置，其中，所述装置还包括：
加密模块，设置成：对所述签名信息进行加密；
所述第一发送模块设置成按照如下方式将所述签名信息发送到所述虚拟柜员机的柜员端设备：
将所述加密后的签名信息发送到所述虚拟柜员机的柜员端设备。
上述的签名装置，其中，所述装置还包括：
视频文件生成模块，设置成：录制用户签名整个过程的视频文件。
本发明实施例还提供了一种签名装置，用于虚拟柜员机的柜员端设备，所述装置如图7所示，包括：
第二接收模块71，设置成：接收所述虚拟柜员机的用户端设备发送的签名信息；
确认模块72，设置成：确认所述签名信息与预存的确认信息是否一致，获得确认结果。
上述的签名装置，其中，所述装置还包括：
第二发送模块，设置成：将所述确认结果返回给所述用户端设备。
本发明实施例还提供了一种虚拟柜员机的用户端设备，所述设备包括上述任一项用于虚拟柜员机的用户端设备的签名装置。
本发明实施例还提供了一种虚拟柜员机的柜员端设备，所述设备包括上述任一项用于虚拟柜员机的柜员端设备的签名装置。
以上所述仅是本发明的优选实施方式，应当指出，对于本技术领域的普通技术人员来说，在不脱离本发明原理的前提下，还可以做出若干改进和润饰，这些改进和润饰也应视为本发明的保护范围。
工业实用性
上述技术方案中，用户只需要在用户端设备上进行操作即可，整个过程方便、快捷，满足了用户的需求，增强了用户的体验，因此本发明具有很强的工业实用性。

Claims (24)

  1. 一种签名方法，用于虚拟柜员机的用户端设备，所述方法包括：
    采集用户签名的签名信息；
    将所述签名信息发送到所述虚拟柜员机的柜员端设备，通知所述柜员端设备确认所述签名信息与预存的确认信息是否一致。
  2. 如权利要求1所述的签名方法，所述方法还包括：
    接收所述柜员端设备返回的确认所述签名信息与预存的确认信息是否一致的确认结果；
    显示所述确认结果。
  3. 如权利要求1所述的签名方法，其中，所述用户签名包括电子签名、手工签名和电子手印签名中的至少一种。
  4. 如权利要求3所述的签名方法，其中，所述用户签名为电子签名时，所述用户端设备设置有电子签名接口；
    所述采集用户签名的签名信息的步骤包括：
    采集用户在所述用户端设备输入的数字证书的第一密码，其中所述数字证书为用户通过所述电子签名接口插入的用于电子签名的数字证书。
  5. 如权利要求4所述的签名方法，所述方法还包括：
    采集所述数字证书的信息；
    对所述数字证书的信息进行校验，获得校验结果；
    所述采集用户在所述用户端设备输入的数字证书的第一密码的步骤包括：
    当校验结果显示对所述数字证书的信息校验成功时，采集用户在所述用户端设备输入的数字证书的第一密码。
  6. 如权利要求3所述的签名方法，其中，所述用户签名为手工签名时，所述用户端设备设置有用于手工签名的签名纸；
    所述采集用户签名的签名信息的步骤包括：
    采集所述签名纸上的手工签名信息。
  7. 如权利要求3所述的签名方法，其中，所述用户签名为电子手印签名时，所述用户端设备设置有手印采集窗口；
    所述采集用户签名的签名信息的步骤包括：
    采集所述手印采集窗口的手印信息。
  8. 如权利要求1-7中任一项所述的签名方法，
    所述方法还包括：对所述签名信息进行加密；
    所述将所述签名信息发送到所述虚拟柜员机的柜员端设备的步骤包括：将所述加密后的签名信息发送到所述虚拟柜员机的柜员端设备。
  9. 如权利要求1-7中任一项所述的签名方法，所述方法还包括：
    录制用户签名整个过程的视频文件。
  10. 一种签名方法，用于虚拟柜员机的柜员端设备，所述方法包括：
    接收所述虚拟柜员机的用户端设备发送的签名信息；
    确认所述签名信息与预存的确认信息是否一致，获得确认结果。
  11. 如权利要求10所述的签名方法，所述方法还包括：
    将所述确认结果返回给所述用户端设备。
  12. 一种签名装置，用于虚拟柜员机的用户端设备，所述装置包括第一采集模块和第一发送模块，其中：
    所述第一采集模块设置成：采集用户签名的签名信息；
    所述第一发送模块设置成：将所述签名信息发送到所述虚拟柜员机的柜员端设备，通知所述柜员端设备确认所述签名信息与预存的确认信息是否一致。
  13. 如权利要求12所述的签名装置，所述装置还包括第一接收模块和显示模块，其中：
    所述第一接收模块设置成：接收所述柜员端设备返回的确认所述签名信息与预存的确认信息是否一致的确认结果；
    所述显示模块设置成：显示所述确认结果。
  14. 如权利要求12所述的签名装置，其中，所述用户签名包括电子签名、手工签名和电子手印签名中的至少一种。
  15. 如权利要求14所述的签名装置，其中，所述用户签名为电子签名时，所述用户端设备设置有电子签名接口；
    所述第一采集模块包括第一采集子模块，所述第一采集子模块设置成：采集用户在所述用户端设备输入的数字证书的第一密码，其中所述数字证书为用户通过所述电子签名接口插入的用于电子签名的数字证书。
  16. 如权利要求15所述的签名装置，所述装置还包括第二采集模块和校验模块，其中：
    所述第二采集模块设置成：采集所述数字证书的信息；
    所述校验模块设置成：对所述数字证书的信息进行校验，获得校验结果；
    所述第一采集子模块设置成按照如下方式采集用户在所述用户端设备输入的数字证书的第一密码：
    当校验结果显示对所述数字证书的信息校验成功时，采集用户在所述用户端设备输入的数字证书的第一密码。
  17. 如权利要求14所述的签名装置，其中，所述用户签名为手工签名时，所述用户端设备设置有用于手工签名的签名纸；
    所述第一采集模块包括第二采集子模块，所述第二采集子模块设置成：采集所述签名纸上的手工签名信息。
  18. 如权利要求14所述的签名装置，其中，所述用户签名为电子手印签名时，所述用户端设备设置有手印采集窗口；
    所述第一采集模块包括第三采集子模块，所述第三采集子模块设置成：采集所述手印采集窗口的手印信息。
  19. 如权利要求12-18中任一项所述的签名装置，所述装置还包括加密模块，其中：
    所述加密模块设置成：对所述签名信息进行加密；
    所述第一发送模块设置成按照如下方式将所述签名信息发送到所述虚拟柜员机的柜员端设备：
    将所述加密后的签名信息发送到所述虚拟柜员机的柜员端设备。
  20. 如权利要求12-18中任一项所述的签名装置，所述装置还包括视频文件生成模块：
    所述视频文件生成模块设置成：录制用户签名整个过程的视频文件。
  21. 一种签名装置，用于虚拟柜员机的柜员端设备，所述装置包括第二接收模块和确认模块，其中：
    所述第二接收模块设置成：接收所述虚拟柜员机的用户端设备发送的签名信息；
    所述确认模块设置成：确认所述签名信息与预存的确认信息是否一致，获得确认结果。
  22. 如权利要求21所述的签名装置，所述装置还包括第二发送模块：
    所述第二发送模块设置成：将所述确认结果返回给所述用户端设备。
  23. 一种虚拟柜员机的用户端设备，其中，所述设备包括权利要求12-20中任一项所述的签名装置。
  24. 一种虚拟柜员机的柜员端设备，其中，所述设备包括权利要求21或22所述的签名装置。
PCT/CN2014/086568 2014-06-25 2014-09-15 签名方法、装置、虚拟柜员机用户端设备和柜员端设备 WO2015196581A1 (zh)

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