WO2017222125A1 - Système et procédé de vérification de signature manuscrite utilisant un code d'identification - Google Patents

Système et procédé de vérification de signature manuscrite utilisant un code d'identification Download PDF

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Publication number
WO2017222125A1
WO2017222125A1 PCT/KR2016/014166 KR2016014166W WO2017222125A1 WO 2017222125 A1 WO2017222125 A1 WO 2017222125A1 KR 2016014166 W KR2016014166 W KR 2016014166W WO 2017222125 A1 WO2017222125 A1 WO 2017222125A1
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WIPO (PCT)
Prior art keywords
signature
document
identification code
handwritten
verification
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PCT/KR2016/014166
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English (en)
Korean (ko)
Inventor
김우섭
Original Assignee
주식회사 피노텍
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Publication date
Priority claimed from KR1020160076628A external-priority patent/KR101789298B1/ko
Priority claimed from KR1020160101042A external-priority patent/KR101990072B1/ko
Application filed by 주식회사 피노텍 filed Critical 주식회사 피노텍
Publication of WO2017222125A1 publication Critical patent/WO2017222125A1/fr

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    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F40/00—Handling natural language data
    • G06F40/10—Text processing
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a system and method for verifying a handwritten signature using an identification code.
  • Korean Patent Publication No. 10-2013-0138967 discloses an electronic signature system and a method using a touch screen terminal.
  • an identification code including not only the handwritten signature image but also characteristic information of the handwritten signature is inserted into the electronic document, without a server connection for the handwritten signature inputted in a customer confirmation process later.
  • the purpose of the present invention is to provide a system and method for verifying a handwritten signature using an identification code that can be verified to facilitate identification.
  • the present invention provides a system and method for verifying a handwritten signature using an identification code capable of preventing resignation of a signer in a later verification process by converting environmental information such as the location, time, and device at the time of inputting the handwritten signature into an identification code. It is for.
  • an identification code including not only the handwritten signature image but also characteristic information of the handwritten signature is inserted into the electronic document, and the identification code is used when a plurality of electronic documents are separately received.
  • the present invention provides a system and method for verifying a handwritten signature using an identification code that can determine the similarity between handwritten signatures between electronic documents.
  • the present invention is a system for verifying a handwritten signature using an identification code that can automatically reduce the risk of a financial institution by acting as the signature of another person by automatically identifying a customer's handwritten signature using an identification code for an insurance contract or a financial holding company. And to provide a method.
  • an electronic terminal having an electronic document generation application according to the handwritten signature, the basic document management unit for displaying a basic document for a financial transaction received by requesting a document server; A handwritten signature input unit for receiving a handwritten signature corresponding to a signature input field of the basic document; A feature value extraction unit for extracting feature values for the handwritten signature; An identification code generation unit for generating an identification code including the feature value; And a signature document generation unit for generating an electronic signature document by embedding the autograph signature image and the identification code of the handwritten signature in a predetermined position in the basic document and transmitting the electronic signature document to the document server.
  • the feature value may include a signature and velocity information including at least one of contact information, acceleration and velocity, including at least one of a flow of a line, a shape of a line, a number of touches, and a contact position according to a movement of a touch means when the signature is input. It may include one or more signature feature values of the size and ratio of, the slope, the touch pressure, the thickness of the line.
  • the feature value may include location information including GPS coordinates of a location where the handwritten signature is performed or indoor location coordinates measured using Wi-Fi, date and time of performing the handwritten signature, and time and minute seconds. Including at least one change feature value of the device information including the SIM information of the signature terminal receiving the handwritten signature, wherein the environmental feature value can be used for non-repudiation of legal action according to the input of the handwritten signature have.
  • an electronic terminal with a self-signed signature verification application is installed, the identification code image by photographing the identification code for an object with a self-signed signature image and an identification code corresponding to the electronic signature document stored in the document server A photographing unit for acquiring data, wherein the electronic signature document is an electronic document in which legal action is performed by a handwritten signature corresponding to a handwritten signature image, and the identification code contains a reference feature value corresponding to the handwritten signature.
  • An identification code analysis unit for analyzing the identification code image data and extracting the reference feature value contained in the identification code;
  • a verification signature input unit for receiving a verification signature;
  • a comparison unit for determining similarity between the feature value of the identification signature and the reference feature value separately from a plurality of comparison items;
  • a handwritten signature that includes an authentication performing unit that determines that the verification signature is the same as the handwritten signature only when all of the plurality of comparison items have a PASS determination as a result of the determination by the comparison unit.
  • verification terminal using the identification code is provided.
  • the comparison unit includes: a flow comparison module for comparing the flow of lines included in the signature with respect to the movement of the touch means when the signature is input; A shape comparison module for segmenting the input signature into a stroke and comparing the movement distance of the stroke at the point where the stroke ends; A touch comparison module for comparing one or more pieces of contact information among the number of touch points and the contact position of the touch means while the signature is input; An acceleration / speed comparison module for comparing the instantaneous movement speed of the touch means for a predetermined time interval when a signature is input; A size comparison module for comparing the similarity of at least one of a horizontal size and a vertical size among the entire images of each signature with respect to the handwritten signature and the verification signature; A ratio comparison module for comparing the ratio of width and length in the entire image of each signature with respect to the handwritten signature and the verification signature; A pressure comparison module for comparing the touch pressure of the user measured while the signature is input when the signature is input; It may include one or more of the coordinate comparison module for comparing the error value of
  • the comparison unit makes a pass or non-pass determination according to whether the comparison level exceeds a preset similarity level, and the authenticity determination unit fails to verify the signature if there is any non-pass determination. It can be determined.
  • a document receiving unit for receiving N signed documents stored in a document server, wherein N is a natural number of two or more, and the signed document is an electronic document in which legal action is performed by a handwritten signature.
  • An identification code containing the characteristic value corresponding to the handwritten signature is embedded;
  • An identification code analyzer for extracting N identification codes from N signature documents and extracting N feature values contained in each identification code;
  • a comparison unit for determining similarity for each of a plurality of comparison items with respect to the N feature values;
  • the handwriting signature and identification code including a verification execution unit including a verification execution unit which determines that the handwritten signatures contained in the N signature documents are of the same person only when the same determination is made with respect to the plurality of comparison items.
  • the verification server used is provided.
  • Each of the N feature values is distinguished from each other by an identification ID, and the identification ID is generated by combining environmental feature values contained in the identification code, and the environmental feature values are GPS coordinates or Wi-Fi regarding the location of the handwritten signature.
  • the comparison unit includes: a flow comparison module for comparing the flow of lines included in the signature with respect to the movement of the touch means when the signature is input; A shape comparison module for segmenting the input signature into a stroke and comparing the movement distance of the stroke at the point where the stroke ends; A touch comparison module for comparing one or more pieces of contact information among the number of touch points and the contact position of the touch means while the signature is input; An acceleration / speed comparison module for comparing the instantaneous movement speed of the touch means for a predetermined time interval when a signature is input; A size comparison module for comparing the similarity of at least one of a horizontal size and a vertical size among the entire images of each signature with respect to the handwritten signature and the verification signature; A ratio comparison module for comparing the ratio of width and length in the entire image of each signature with respect to the handwritten signature and the verification signature; A pressure comparison module for comparing the touch pressure of the user measured while the signature is input when the signature is input; It may include one or more of the coordinate comparison module for comparing the error value of
  • the comparison unit makes the same or dissimilarity determination according to whether the comparison item exceeds a preset similarity level, and the verification execution unit may determine that signature verification by the same person has failed when there is any dissimilarity determination.
  • the comparison unit calculates an average value of the N feature values for each comparison item and sets the reference value, and if there is a feature value in which an error more than a threshold occurs from the reference value, the corresponding feature value You can make a dissimilarity decision on.
  • the verification execution unit may identify and inform the signature document determined to be not the same and output an alarm.
  • the feature value contained in the identification code may be generated by being encrypted by a predetermined encryption algorithm.
  • the feature value contained in the identification code may be decoded by a predetermined decoding algorithm by the identification code analyzer.
  • an identification code including not only the handwritten signature image but also characteristic information of the handwritten signature is inserted into the electronic document, and the handwritten signature input in a customer confirmation process later. Verification can be performed without accessing the server to facilitate identity verification.
  • an identification code including the characteristic information of the handwritten signature as well as the image of the handwritten signature is inserted into the electronic document.
  • the identification code is used. The similarity between the handwritten signatures between the electronic documents can be determined.
  • FIG. 1 is a view showing a schematic configuration of an electronic document management system using a handwritten signature and identification code according to an embodiment of the present invention
  • FIG. 2 is a block diagram showing a schematic configuration of a signature terminal according to an embodiment of the present invention.
  • FIG. 3 is a flowchart of a method for generating an electronic document in a signature terminal according to an embodiment of the present invention
  • FIG. 4 is a diagram illustrating a process of generating and embedding a handwritten signature and an identification code
  • FIG. 5 is a block diagram showing a schematic configuration of a verification terminal according to an embodiment of the present invention.
  • FIG. 6 is a flowchart illustrating a method of verifying a handwritten signature in a verification terminal according to an embodiment of the present invention
  • FIG. 7 is a diagram illustrating a configuration of comparison modules included in a comparison unit
  • FIG. 8 is a view showing an example of a comparison item and a determination result
  • FIG. 9 is a view showing a schematic configuration of an electronic document management system using a handwritten signature and identification code according to another embodiment of the present invention.
  • FIG. 10 is a block diagram showing a schematic configuration of a signature terminal according to another embodiment of the present invention.
  • FIG. 11 is a flowchart of a method for generating an electronic document in a signature terminal according to another embodiment of the present invention.
  • FIG. 12 is a view illustrating a process of generating and embedding a handwritten signature and an identification code
  • FIG. 13 is a block diagram showing a schematic configuration of a verification server according to another embodiment of the present invention.
  • FIG. 14 is a flowchart illustrating a method of verifying a handwritten signature in a verification server according to another embodiment of the present invention.
  • 15 is a diagram illustrating a configuration of comparison modules included in a comparison unit
  • 16 is a view showing examples of comparison items and a determination result
  • 17 is a view showing a comparison process for a plurality of signature documents.
  • first and second may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.
  • FIG. 1 is a view showing a schematic configuration of an electronic document management system using a handwritten signature and identification code according to an embodiment of the present invention.
  • the electronic document management system 1 receives a handwritten signature through a signature terminal for a document (eg, a contract, an agreement, etc.) for which a handwritten signature is required, and relates to the handwritten signature together with the handwritten signature image.
  • a document eg, a contract, an agreement, etc.
  • the electronic document embedded with the identification code generated by using the feature information is generated and used for work.
  • the verification signature entered for receipt without accessing the server by interpreting the identification code printed on the object using the verification terminal. Judge the authenticity of and perform identity verification.
  • the electronic document management system 1 basically includes a document server 10, a signature terminal 30, and a work server 20.
  • the verification terminal 40 may be further included.
  • the document server 10, the signature terminal 30, and the business server 20 may be connected to each other through the communication network 50.
  • the document server 10 includes a basic document DB 11 for storing basic documents related to various contracts, agreements, etc. used in financial transactions, and a signature for storing an electronic signature document having a handwritten signature by a signature terminal 30 to be described later.
  • Document DB 12 is included.
  • the signing terminal 30 is an electronic terminal for receiving a handwritten signature from a contractor when a contract related to a financial transaction, and an electronic document generation application may be installed and driven.
  • the electronic terminal is a terminal capable of installing an application or a mobile web connection, for example, a smartphone, a mobile communication terminal, a personal digital assistant (PDA), a general-purpose device equipped with an operating system capable of driving an application or a mobile web connection. It may be one of a personal computer (PC), a notebook PC, a tablet PC, and the like.
  • the signature terminal 30 transmits the basic document request for the financial transaction contract to the document server 10 through the communication network 50.
  • the document server 10 searches the basic document DB 11 according to a request from the signature terminal 30 and transmits the basic document corresponding to the request to the signature terminal 30.
  • the basic document may be encrypted with a predetermined encryption key for transmission.
  • the signing terminal 30 displays the received basic document on the terminal screen in response to the request. If the received basic document is encrypted, it can be decrypted with a predetermined decryption key.
  • the signature terminal 30 receives the handwritten signature, embeds an identification code including the handwritten signature image and a signature feature value according to the user's signature in the basic document, and generates an electronic signature document in which the handwritten signature imaged as one is completed. .
  • the generated signature document is transmitted from the signature terminal 30 to the document server 10, and the document server 10 stores the signature document in the signature document DB 12.
  • the signature document may be encrypted with a predetermined encryption key for transmission, and the document server 10 may decrypt it with a predetermined decryption key.
  • the business server 20 analyzes the signature document so as to perform a financial transaction corresponding to the signature document transmitted from the signature terminal 30 to the document server 10 and performs a predetermined business process. For example, if the signed document is an insurance contract, the contract information such as the subscriber, insured, contract amount, contract date, etc. is extracted through image processing of the signed document, and the handwritten signature is executed based on the extracted contract information. Allow insurance for one employer (insurer).
  • the signature document it is present electronically, and it may be necessary to output the real document to the user by outputting it as a paper document.
  • the output paper document may be embedded with the autograph signature image and identification code.
  • a handwritten signature image and an identification code may be printed and delivered to a card (credit card, membership card, etc.) issued to a contractor in addition to a paper document.
  • the verification terminal 40 possessed by the forwarder is an electronic terminal that performs identity verification through a handwritten signature in the process of delivering a real (paper document, card, etc.) to the contractor in a contract related to a financial transaction. It can be installed and driven.
  • the electronic terminal is a terminal capable of installing an application or a mobile web connection, for example, a smartphone, a mobile communication terminal, a PDA, a general purpose PC, a laptop PC, which is equipped with an operating system capable of driving an application or a mobile web connection, It may be one of the tablet PC.
  • the transmitter can photograph the identification code printed on the real object, so as to obtain a characteristic value of the handwritten signature inputted by the contractor at the time of the financial transaction contract. Then, when the recipient inputs the verification signature, the identity of the handwritten signature is judged by comparing and analyzing the characteristic value of the input verification signature with the characteristic value obtained from the identification code by the AND condition calculation method using the parallel processing technique. Therefore, the identification of the recipient can be performed.
  • FIG. 2 is a block diagram showing a schematic configuration of a signature terminal according to an embodiment of the present invention
  • Figure 3 is a flow chart of a method for generating an electronic document in the signature terminal according to an embodiment of the present invention
  • Figure 4 is handwritten A diagram illustrating a process of generating and embedding a signature and an identification code.
  • the signature terminal 30 is an electronic device that embeds an identification code having characteristic information about a handwritten signature together with a handwritten signature image for a document (eg, a contract, an agreement, etc.) requiring a handwritten signature.
  • the document may be generated and stored in the document server 10.
  • an electronic document is generated by embedding the signature itself and the characteristics of the signature environment. The non-repudiation by this can be aimed at.
  • the signature terminal 30 includes a basic document management unit 31, a handwritten signature input unit 33, a feature value extraction unit 35, an identification code generator 37, and a signature document generation. Part 39 is included.
  • the basic document manager 31 requests the document server 10 for the financial transaction contract through the communication network 50, receives the basic document from the document server 10 in response to the request, and displays the basic document on the terminal screen.
  • the basic document may be a document related to a financial transaction contract in which a signature input field for which a contractor's handwritten signature is required is provided.
  • the basic document management unit 31 uses the decryption key (eg private key) corresponding to the encryption key to encrypt the basic document. Can be decrypted
  • the handwritten signature input unit 33 receives the handwritten name of the financial transaction contractor corresponding to the signature input box for the basic document displayed on the terminal screen (step S105).
  • the handwritten signature input unit 33 may display an input window for receiving the handwritten signature by the financial transaction contractor so as to overlap the basic document displayed on the terminal screen or display in a separate space.
  • the handwritten signature input unit 33 may be a touch screen panel provided in the electronic terminal, and may receive the handwritten signature by a touch input method using a touch means such as a finger or a stylus.
  • the feature value extraction unit 35 extracts a feature value for the handwritten signature inputted through the handwritten signature input unit 33 (step S110).
  • Characteristic values for the autograph signature include the flow of lines, the shape of the lines, the number of touches and / or contact positions, the acceleration / speed, the size and ratio of the signature, the slope, the touch pressure, the movement of the touch means (eg hand or stylus, etc.).
  • Signature feature values such as line thickness, may be included.
  • the signature feature value becomes a reference feature value that is used as a comparison item when verifying the recipient later.
  • a feature value (environmental feature value) for the environment in which the handwritten signature is performed may be included as a feature value for the handwritten signature.
  • the environmental feature value may include information on the location where the signature was performed, the time at which the signature was performed, and the device on which the signature was performed.
  • the location information may be GPS coordinates measured through the GPS module or indoor location coordinates measured using Wi-Fi.
  • the time information may include the date and hour, minute, and second of the handwritten signature.
  • the device information is identification information for identifying the signature terminal 30 that has received the handwritten name, and may be, for example, subscriber identification module (SIM) information.
  • SIM subscriber identification module
  • the identification code generation unit 37 generates an identification code using the feature value extracted by the feature value extraction unit 35 (step S115).
  • the identification code may be a bar code or a 2D barcode such as a QR code or a 3D barcode.
  • the identification code may contain one or more of a feature value extracted from the feature value extractor 35, that is, a signature feature value and an environment feature value.
  • the signature document generating unit 39 may include a handwritten signature image 60 indicating the shape of the handwritten signature inputted through the handwritten signature input unit 33 and an identification code 70 generated by the identification code generator 37.
  • the electronic signature document which is embodied as one image, is embedded by embedding at the predetermined position of step 80 in step S120.
  • the handwritten signature image may be resized and embedded so that the shape of the handwritten signature inputted through the handwritten signature input unit 33 matches the size of the signature input field provided in the basic document.
  • the electronic signature document generated by the signature document generator 39 may be transmitted to the document server 10 through the communication network 50 and stored in the signature document DB 12.
  • the electronic signature document is transmitted to the business server 20, proving that the legal act according to the financial transaction contract is normally performed, and predetermined financial transactions (e.g., insurance, non-face-to-face account opening, credit card (member card) Issuance of
  • the signature terminal 30 not only the handwritten signature image but also the identification code reflecting the characteristic of the signature itself and the situation at the time of the signature are embedded in the electronic signature document, thereby preventing forgery and facilitating later in the verification terminal.
  • One verification can be done.
  • the environmental feature values are information related to the autograph, that is, the information on the specific environment in which the legal action was performed, and can prevent the contractor from denying the legal action of the financial transaction. To be.
  • the contractor denies the act of autographing, by extracting and interpreting the environmental feature value from the identification code embedded in the signature document, the contractor can estimate the situation at the time of the act of signing the act of legal act. For example, by verifying the location and time of the autonomous signature act, identifying the device that performed the autonomous signature, and verifying its relevance, the contractor may regard it as a normal legal act. Alternatively, the private certificate can be replaced.
  • FIG. 5 is a block diagram showing a schematic configuration of a verification terminal according to an embodiment of the present invention
  • FIG. 6 is a flowchart of a method of verifying a handwritten signature in a verification terminal according to an embodiment of the present invention
  • FIG. 7 is compared.
  • FIG. 8 is a diagram illustrating a configuration of comparison modules included in a portion
  • FIG. 8 is a diagram illustrating an example of a comparison item and a determination result.
  • the verification terminal 40 outputs a signature document in which the autograph signature image and the identification code are embedded and delivers it as a paper document, or prints the autograph signature image and the identification code to a credit card or membership card and issues it in real.
  • a signature document in which the autograph signature image and the identification code are embedded and delivers it as a paper document, or prints the autograph signature image and the identification code to a credit card or membership card and issues it in real.
  • data for verification of signature can be obtained, and based on the data, the recipient can analyze whether the recipient is the contractor.
  • the verification terminal 40 includes a photographing unit 41, an identification code analyzing unit 43, a signature input unit 45 for verification, a comparison unit 47, and an authentication performing unit 49.
  • the photographing unit 41 acquires identification code image data by photographing an identification code printed on a real object (for example, a paper document).
  • the photographing unit 41 may be a camera provided in the verification terminal 40.
  • the photographing unit 41 may be implemented to perform photographing when the optimal identification code image data can be obtained by scanning without a separate user input.
  • the identification code analyzer 43 analyzes the identification code image data and extracts a feature value (reference feature value) related to the handwritten signature contained in the corresponding identification code.
  • the extracted feature value may be a signature feature value and is signature attribute data corresponding to a handwritten name (contracted handwritten name) input at the time of electronic signature document generation.
  • the feature value extracted as a result of the analysis of the identification code image data becomes a reference value when the comparison unit 47 makes a comparison later.
  • the confirmation signature input unit 45 receives the confirmation signature from the recipient.
  • the confirmation signature is a handwritten signature to confirm that the recipient is the contractor.
  • the confirmation signature input unit 45 is an input window displayed on the terminal screen to receive the confirmation signature, and may be implemented on a touch screen panel provided in the electronic terminal.
  • the verification signature may be input by a touch input method using a touch means such as a finger or a stylus.
  • the comparison unit 47 compares whether the verification signature inputted through the verification signature input unit 45 is a handwritten signature corresponding to the reference feature value extracted from the identification code analyzer 43.
  • the comparator 47 performs individual and independent similarity determinations on various comparison items according to the feature values. As shown in FIG. 7, the flow comparison module 310, the shape comparison module 320, the contact comparison module 330, the acceleration / speed comparison module 340, the size comparison module 350, the ratio comparison module 360, It may include one or more of the gradient comparison module 370, the pressure comparison module 380, and the coordinate comparison module 390.
  • the comparator 47 may add the comparison item according to the development of hardware and software in order to minimize the error rate of the signature comparison.
  • the flow comparison module 310 sees the direction of the movement of the touch means as the flow of the line included in the handwritten signature when the handwritten signature is input, and compares the similarity between the flow of the line in the confirmation signature and the flow item of the line obtained from the identification code. Compare.
  • the shape comparison module 320 divides the inputted autograph signature into a stroke, views the movement distance of the stroke at the end of the stroke as the shape of a line, and determines the shape of the line in the confirmation signature and the shape of the line obtained from the identification code. Compare the similarity.
  • the contact comparison module 330 may compare the similarity with respect to the information about the number and / or location of the touch means contacting the signature input unit while the handwritten signature is input. For example, the number of times that the touch means contacts (or the number of times falling from the screen) and the position of contact (coordinate) during the handwritten signature may be included as the contact information.
  • the acceleration / speed comparison module 340 reports the instantaneous movement speed of the touch means as speed information (acceleration or speed) during a predetermined time interval when the handwritten signature is input, and obtains it from the speed information and the identification code in the confirmation signature. Compare the similarity of one speed item.
  • the size comparison module 350 compares the similarity between the horizontal size and / or vertical size and the size item obtained from the identification code among the entire images extracted for the verification signature.
  • the ratio comparison module 360 compares the similarity between the ratio of the width and height of the entire image extracted for the signature for confirmation and the ratio item obtained from the identification code.
  • the tilt comparison module 370 sees the degree of tilting the signature input unit when inputting the handwritten signature as the device tilt, and compares the tilt item obtained from the identification code with the tilt extracted from the signature for verification.
  • the pressure comparison module 380 compares the user's touch pressure measured while the handwritten signature is input by the signature input unit when inputting the handwritten signature, and compares the pressure extracted from the signature for confirmation and the pressure item obtained from the identification code with each other. .
  • the touch pressure may be replaced by the thickness of the line for the handwritten signature.
  • the coordinate comparison module 390 compares the error value of the position information of the coordinates according to the flow of lines when the handwritten signature is input.
  • Each comparison module included in the comparison unit 47 determines a pass or a non-pass based on whether the comparison item exceeds a preset similarity level.
  • the similarity level can be set identically for each comparison module or can be set individually differently. For example, although the similarity level for each comparison item is set to be equal to 30% in FIG. 8A, this is only an example, and the similarity level may be linked to each other or independent of each comparison module as needed. Can be changed to At this time, in order to increase the reliability of personal authentication, the similarity level of individual comparison items may be set higher than the default level.
  • the comparison modules operate independently of each other, and the comparison result in one module does not affect other comparison modules.
  • the authentication performing unit 49 determines the authenticity of the signature for confirmation on the basis of the similarity determination result determined by the comparing unit 47. According to the determination result, it may be determined whether the recipient who inputs the signature for confirmation is the same person as the contractor who inputs the handwritten signature at the time of the contract.
  • the similarity determination results in the plurality of comparison items are utilized in parallel. For example, in most comparison modules, the results are shown to have a high similarity, but in one or more comparison modules, when the result is found to have a low similarity below the reference, it may be considered that the results have similarities. Determines that the handwritten signatures are different from each other based on the parallel processing technique.
  • the authentication performing unit 49 sees that the confirmation signature is the same as the handwritten signature at the time of the contract only when all the comparison items have been passed. It can be determined that it is a handwritten signature by the user. In this case, the user who performed the handwritten signature will be confirmed to be correct.
  • the authentication performing unit 49 contracts for confirmation. It can be determined that it is different from the autograph signature at the time, and that it is not the autograph signature by the real user. Since the verification of the autograph signature failed, it will be considered that the identity verification failed.
  • the authentication performing unit 49 may selectively activate and apply only a part of the plurality of comparison modules included in the comparison unit 47 in determining the authenticity of the verification signature.
  • the individual comparison items can be easily applied to a terminal such as a smartphone by improving the operation speed and reducing the weight of the processing device by lowering the similarity level to be compared and judged.
  • the first example is a case where an insurance contract is generated using an insurance agent's tablet PC.
  • the insurance agent's tablet PC checks the basic document, and the customer enters the handwritten signature on the tablet PC.
  • An identification code including the autograph signature image and the autograph signature feature is embedded in the basic document to generate an electronic signature document, and the signature document is transmitted to the document server to complete the contract.
  • the signature document of the customer stored in the document server is printed out on paper.
  • the camera prints the identification code printed on the paper with the camera of the tablet PC or smartphone where the verification application is installed.
  • the verification application may input the characteristic information of the customer signature.
  • the signature for verification is compared by comparing the characteristic information of the customer signature with the characteristics of the newly entered signature for customer confirmation according to the signature verification algorithm. You can check that it is correct.
  • an insurance contract may be generated in a non-face to face manner.
  • the customer checks the basic document and enters the handwritten signature on his smartphone.
  • An electronic signature document in which an identification code according to the handwritten signature image and the characteristic information of the handwritten signature is embedded in the basic document is automatically generated and transmitted to the document server.
  • the customer's signature document stored in the document server is printed on paper, and the identification code printed on the paper is photographed by the camera of the tablet PC or smartphone with the verification application installed.
  • the verification application may input the characteristic information of the customer signature.
  • the signature for verification is compared by comparing the characteristic information of the customer signature with the characteristics of the newly entered signature for customer confirmation according to the signature verification algorithm. You can check that it is correct.
  • a case of issuing a credit card or membership card will be described.
  • the identification code including the handwritten signature image and the characteristic information of the handwritten signature is transmitted to the document server.
  • a credit (member) card printed with an autograph signature image and an identification code may be issued.
  • the identification code printed on the credit (member) card is photographed with a smartphone to extract the signature information.
  • the authenticity of the handwritten signature can be verified by comparing with the extracted feature information.
  • the identification code may be used to confirm whether the autographed signatures input for each financial transaction are signed by the same person.
  • FIG. 9 is a view showing a schematic configuration of an electronic document management system using a handwritten signature and identification code according to another embodiment of the present invention.
  • the electronic document management system 400 receives a handwritten signature for a document (eg, a contract, agreement, agreement, bill, etc.) requiring a handwritten signature together with the handwritten signature image. Generates an electronic document embedded with an identification code generated by using the characteristic information of the handwritten signature and uses it for work.
  • a handwritten signature for a document eg, a contract, agreement, agreement, bill, etc.
  • the electronic document management system 400 basically includes a document server 410, a signature terminal 430, and a business server 420.
  • the verification server 440 may be further included in the signature verification process for the plurality of documents.
  • the document server 410, the signature terminal 430, the work server 420, and the verification server 440 may be connected to each other through the communication network 50.
  • the document server 410 is a basic document DB 411 for storing basic documents related to various contracts, agreements, agreements, invoices, etc. used in financial transactions, and an electronic signature document made by handwritten signature by a signature terminal 430 to be described later. It includes a signature document DB (412) for storing.
  • the signing terminal 430 is an electronic terminal for receiving a handwritten signature from a contractor in a contract related to a financial transaction, and an electronic document generation application may be installed and driven.
  • the electronic terminal is a terminal capable of installing an application or a mobile web connection, for example, a smartphone, a mobile communication terminal, a personal digital assistant (PDA), a general-purpose device equipped with an operating system capable of driving an application or a mobile web connection. It may be one of a personal computer (PC), a notebook PC, a tablet PC, and the like.
  • the signing terminal 430 transmits a basic document request for a financial transaction contract to the document server 410 through the communication network 50.
  • the document server 410 retrieves the basic document DB 411 according to a request from the signature terminal 430 and transmits the basic document corresponding to the request to the signature terminal 430.
  • the basic document may be encrypted with a predetermined encryption key for transmission.
  • the signing terminal 430 displays the basic document received in response to the request on the terminal screen. If the received basic document is encrypted, it can be decrypted with a predetermined decryption key.
  • the signature terminal 430 receives the handwritten signature, embeds an identification code including the handwritten signature image and a signature feature value according to the user's signature in the basic document, and generates an electronic signature document in which the handwritten signature imaged as one is completed. .
  • the generated signature document is transmitted from the signature terminal 430 to the document server 410, and the document server 410 stores the signature document in the signature document DB 412.
  • the signature document may be encrypted with a predetermined encryption key for transmission, and the document server 410 may decrypt it with a predetermined decryption key.
  • the business server 420 analyzes the signature document so as to perform a financial transaction corresponding to the signature document transmitted from the signature terminal 430 to the document server 410 and performs a predetermined business process. For example, if the signed document is an insurance contract, the contract information such as the subscriber, insured, contract amount, contract date, etc. is extracted through image processing of the signed document, and the handwritten signature is executed based on the extracted contract information. Allow insurance for one employer (insurer).
  • the verification server 440 provided in a financial institution is an electronic device that checks whether or not the handwritten signature included in each signature document is made by the same person using an identification code embedded in a plurality of signature documents. It can be installed and driven.
  • the verification server 440 extracts and analyzes the identification codes embedded in the received N (natural numbers of two or more) signature documents, so that the characteristic value of the handwritten signature entered by the contractor at the time of the financial transaction contract is equal to the number of signature documents. N can be obtained.
  • the identity of the handwritten signature can be determined.
  • the feature value obtained from the identification code embedded in any one of the N signature documents and the feature value obtained from the identification code embedded in the other signature document are handwritten by comparing and analyzing the AND value using the parallel processing technique. It is possible to determine whether the signatures are identical and to confirm whether or not the N signature documents were signed by the same person.
  • FIG. 10 is a block diagram showing a schematic configuration of a signature terminal according to another embodiment of the present invention
  • Figure 11 is a flow chart of a method for generating an electronic document in the signature terminal according to another embodiment of the present invention
  • Figure 12 is handwritten A diagram illustrating a process of generating and embedding a signature and an identification code.
  • the signing terminal 430 has an identification code having characteristic information about the handwritten signature along with the handwritten signature image for a document (eg, a contract, agreement, agreement, bill, etc.) requiring a handwritten signature.
  • a document eg, a contract, agreement, agreement, bill, etc.
  • an electronic document is generated by embedding the signature itself and / or the signature environment into an identification code. The non-repudiation of the document by the document signer can be achieved.
  • the signature terminal 430 includes a basic document management unit 431, a handwritten signature input unit 433, a feature value extraction unit 435, an identification code generator 437, and a signature document generation. A portion 439 is included.
  • the basic document manager 431 requests the basic document for the financial transaction contract through the communication network 50 to the document server 410, receives the basic document from the document server 410 in response to the request, and displays the basic document on the terminal screen.
  • the basic document may be a document related to a financial transaction contract in which a signature input field for which a contractor's handwritten signature is required is provided.
  • the basic document manager 431 uses the decryption key (eg private key) corresponding to the encryption key to encrypt the basic document. Can be decrypted
  • the handwritten name input unit 433 receives the handwritten name of the financial transaction contractor corresponding to the signature input box on the basic document displayed on the terminal screen (step S505).
  • the handwritten signature input unit 433 may display an input window for receiving the handwritten signature by the financial transaction contractor so as to overlap the basic document displayed on the terminal screen or display in a separate space.
  • the handwritten signature input unit 433 may be a touch screen panel provided in the electronic terminal, and may receive the handwritten signature by a touch input method using a touch means such as a finger or a stylus.
  • the feature value extracting unit 435 extracts a feature value for the handwritten signature inputted through the handwritten signature input unit 433 (step S510).
  • Characteristic values for the autograph signature include the flow of lines, the shape of the lines, the number of touches and / or contact positions, the acceleration / speed, the size and ratio of the signature, the slope, the touch pressure, the movement of the touch means (eg hand or stylus, etc.).
  • Signature feature values for individual signature attributes, such as line thickness, may be included.
  • a feature value (environmental feature value) for the environment in which the handwritten signature is performed may be further included as a feature value for the handwritten signature.
  • the environmental feature value may include information on the location where the signature was performed, the time at which the signature was performed, and the device on which the signature was performed.
  • the location information may be GPS coordinates measured through the GPS module or indoor location coordinates measured using Wi-Fi.
  • the time information may include the date and hour, minute, and second of the handwritten signature.
  • the device information is identification information for identifying the signing terminal 430 that has received the handwritten signature.
  • the device information may be SIM information.
  • the identification code generator 437 generates an identification code by using the feature value extracted by the feature value extractor 435 (step S515).
  • the identification code may be a 2D barcode such as a barcode or a QR code, a 3D barcode, or the like.
  • the identification code may contain one or more of a feature value extracted by the feature value extractor 435, that is, a signature feature value and an environment feature value.
  • the feature value when the identification code generation unit 437 generates the identification code, the feature value may be encrypted by using a predetermined encryption algorithm to be included in the identification code.
  • the signature document generation unit 439 may include a handwritten signature image 460 representing the shape of the handwritten signature inputted through the handwritten signature input unit 433 and an identification code 470 generated by the identification code generator 437.
  • the electronic signature document which is implemented as one image, is embedded by embedding at a predetermined position of step 480 (step S520).
  • the handwritten signature image may be resized and embedded so that the shape of the handwritten signature inputted through the handwritten signature input unit 433 corresponds to the size of the signature input field provided in the basic document.
  • the electronic signature document generated by the signature document generator 439 may be transmitted to the document server 410 through the communication network 50 and stored in the signature document DB 412.
  • the electronic signature document is transmitted to the business server 420, proving that the legal act according to the financial transaction contract is normally performed, and predetermined financial transactions (e.g., insurance, non-face-to-face account opening, credit card (member card) Issuance of
  • the signature document DB 412 may store a plurality of signature documents that need to be signed by the same customer. For example, there may be a case where a large number of documents are required to satisfy a single financial transaction, such as an insurance contract, or when there is a separate document corresponding to each financial service by subscribing to various financial services for one financial holding. It may be.
  • an electronic signature document is embedded with not only an autograph signature image but also an identification code reflecting the characteristics of the signature itself and / or the situation at the time of signature, thereby preventing forgery and later verifying the server. It can be done easily at.
  • the environmental feature values are information related to the autograph, that is, the information on the specific environment in which the legal action was performed, and can prevent the contractor from denying the legal action of the financial transaction. To be.
  • the contractor denies the act of autographing, by extracting and interpreting the environmental feature value from the identification code embedded in the signature document, the contractor can estimate the situation at the time of the act of signing the act of legal act. For example, by verifying the location and time of the autonomous signature act, identifying the device that performed the autonomous signature, and verifying its relevance, the contractor may regard it as a normal legal act. Alternatively, the private certificate can be replaced.
  • FIG. 13 is a block diagram showing a schematic configuration of a verification server according to another embodiment of the present invention
  • FIG. 14 is a flowchart of a method of verifying a handwritten signature in a verification server according to another embodiment of the present invention
  • FIG. 15 is a comparison.
  • FIG. 16 is a diagram illustrating a configuration of comparison modules included in a portion.
  • FIG. 16 is a diagram illustrating an example of a comparison item and a determination result.
  • FIG. 17 is a diagram illustrating a comparison process of a plurality of signature documents.
  • the verification server 440 can determine whether or not the signature has been actually signed by the same person by comparing the identification codes with respect to a plurality of signature documents that are considered to be signed by the same person. It features.
  • the verification server 440 includes a document receiving unit 441, an identification code analyzing unit 443, a comparing unit 445, and a verification performing unit 447.
  • the document receiving unit 441 receives an electronic document, i.e., a signed document, in which the handwritten signature image and the identification code are embedded (step S605).
  • a plurality of signature documents created for various purposes may be received in any order through the document receiving unit 441.
  • the identification code analysis unit 443 extracts the identification code embedded in the signature document received by the document receiving unit 441 and analyzes the characteristic code (characteristic information for verifying the signature of the handwritten signature) contained in the corresponding identification code. Extraction (step S610).
  • the extracted feature value may be a signature feature value and is signature attribute data corresponding to a handwritten name (contracted handwritten name) input at the time of electronic signature document generation.
  • an identification ID for distinguishing each other may be assigned to a feature value for each of the plurality of signature documents.
  • the identification ID may be generated by combining the environmental feature values at the time of the handwritten signature.
  • the environmental characteristic value is a value for the environment at the time of the autograph signature. Since the environment in which the signature document is generated cannot be identical in location, time, and device information, each signature document has unique characteristics. Therefore, by combining the environmental characteristic values of these unique characteristics, it is possible to generate a unique identification ID distinguished for each signature document. Therefore, it is possible to match signature documents and feature values with the identification ID.
  • identification code A is extracted from the signature document to extract feature value 1
  • identification code B is extracted from signature document to extract feature value 2
  • the feature value 3 can be extracted by extracting the identification code C from the signature document.
  • a process of decoding the feature value extracted by a predetermined decoding algorithm may be added. This is to solve the encryption when the feature value is encrypted by a predetermined encryption algorithm in the process of being contained in the identification code.
  • the comparison unit 445 compares the feature values (feature values 1 to 3) extracted from the plurality of signature documents for each corresponding comparison item (step S615).
  • the comparison unit 445 performs individual and independent similarity determinations on various comparison items according to the feature values (step S620). As shown in FIG. 15, the flow comparison module 710, the shape comparison module 720, the contact comparison module 730, the acceleration / speed comparison module 740, the size comparison module 750, the ratio comparison module 760, It may include one or more of the gradient comparison module 770, the pressure comparison module 780, and the coordinate comparison module 790.
  • the comparison unit 445 may add the comparison item according to the development of hardware and software in order to minimize the error rate of signature comparison.
  • the flow comparison module 710 sees the direction of the movement of the touch means as the flow of the lines included in the handwritten signature when the handwritten signature is input, and compares the similarity between the flow of the line in the confirmation signature and the flow item of the line obtained from the identification code. Compare.
  • the shape comparison module 720 divides the inputted autograph signature into a stroke, views the movement distance of the stroke at the end of the stroke as a line shape, and checks the shape of the line in the confirmation signature and the shape of the line obtained from the identification code. Compare the similarity.
  • the contact comparison module 730 may compare the similarity with respect to the information about the number and / or location of the touch means contacting the signature input unit while the handwritten signature is input. For example, the number of times that the touch means contacts (or the number of times falling from the screen) and the position of contact (coordinate) during the handwritten signature may be included as the contact information.
  • the acceleration / speed comparison module 740 reports the instantaneous movement speed of the touch means as speed information (acceleration or speed) for a predetermined time interval when the handwritten signature is input, and obtains it from the speed information and the identification code in the confirmation signature. Compare the similarity of one speed item.
  • the size comparison module 750 compares the similarity between the horizontal size and / or vertical size and the size item obtained from the identification code among the entire images extracted for the verification signature.
  • the ratio comparison module 760 compares the similarity between the ratio of the width and length of the entire image extracted for the signature for confirmation and the ratio item obtained from the identification code.
  • the tilt comparison module 770 sees the degree of tilting the signature input unit when inputting the handwritten signature as the device tilt, and compares the tilt item obtained from the identification code with the tilt extracted from the signature for verification.
  • the pressure comparison module 780 compares the user's touch pressure measured while the handwritten signature is input by the signature input unit when inputting the handwritten signature, and compares the pressure extracted from the signature for confirmation and the pressure item obtained from the identification code with each other. .
  • the touch pressure may be replaced by the thickness of the line for the handwritten signature.
  • the coordinate comparison module 790 compares the error value of the position information of the coordinates according to the flow of lines when the handwritten name is input.
  • Each comparison module included in the comparison unit 445 makes the same or dissimilarity determination for a plurality of handwritten signatures depending on whether or not the similarity level is set in advance for the comparison item.
  • the similarity level may be set the same for each comparison module or may be set individually for each comparison module. For example, although the similarity level for each comparison item is set to be equal to 30% in FIG. 16A, this is only an example, and the similarity level is linked or independent of each comparison module as needed. Can be changed to For example, the line flow item is 30%, but the line shape item may be set to 50%. At this time, in order to increase the reliability of personal authentication, the similarity level of individual comparison items may be set higher than the default level.
  • the comparison modules operate independently of each other, and the comparison result in one module does not affect other comparison modules.
  • the comparison unit 445 may perform the comparison using an average value when the number of signature documents is three or more.
  • an average value is calculated and this is determined as a reference value. Thereafter, when there is a value in which an error greater than or equal to the threshold value exists from the reference value, it may be determined that the value corresponds to dissimilarity. This is because the deviation from the mean value is not large for the same or similar values.
  • the verification execution unit 447 determines whether or not the handwritten signatures included in each of the plurality of signature documents are the same based on the similarity determination result determined by the comparison unit 445 (step S625). According to the determination result, it may be determined whether the person who signed each of the plurality of signature documents is the same person.
  • the similarity determination results of the plurality of comparison items are used in parallel. For example, in most comparison modules, the results are shown to have a high similarity, but in one or more comparison modules, when the result is found to have a low similarity below the reference, it may be considered that the results have similarities. Determines that the handwritten signatures are not the same but different based on the parallel processing technique (AND conditional operation).
  • the verification execution unit 447 applies the autographed signature of a plurality of signature documents only when a pass decision (same decision) is made for all comparison items. It may be determined that the information has been performed and that the signature is a handwritten signature by a true user.
  • the verification performing unit 447 One or more signature documents among a plurality of signature documents may be regarded as having been performed by another person, and it may be determined that the signature is not a real signature by a real user.
  • the verification performer 447 may selectively activate and apply only a part of the plurality of comparison modules included in the comparator 445 in determining whether a plurality of signature documents are signed by the same person.
  • all of the comparison items corresponding to the selected comparison module are determined to be autographed signatures by the same person only if a pass decision is made, and if a non-pass (non-similar) decision is made for any one item, the handwritten signature by the same person is determined. It is considered to be not (ie, having a surrogate signature).
  • the verification execution unit 447 may output a warning to the verifier to inform the possibility of surrogate signature by another person (step S630). Only in the case of such a warning, the verifier can visually check the signature document visually, minimizing unnecessary visual confirmation.
  • the alarm provided to the verifier may be a signal indicating an authentication failure that is audiovisually identical through an output device (eg, a display device or a speaker) connected to the verification server 440.
  • an alarm may be provided by transmitting a message indicating the same authentication failure or success to the verifier terminal registered as possessed by the verifier.
  • the verification performing unit 447 may identify and inform the signature document which is likely to have been signed by another person from among the plurality of signature documents when the warning is output.
  • the individual comparison items can be easily applied to a terminal such as a smartphone by improving the operation speed and reducing the weight of the processing device by lowering the similarity level to be compared and judged.
  • the first example is a case of generating an insurance contract using an insurance agent's tablet PC.
  • the insurance agent checks the basic documents through the tablet PC, and the customer enters the handwritten signature on the tablet PC.
  • An identification code including the autograph signature image and the autograph signature feature is embedded in the basic document to generate an electronic signature document, and the signature document is transmitted to the document server to complete the contract.
  • the nature of the insurance contract requires a self-signed signature by the contractor for many documents. If the insurance agent signs some of these documents instead, it may be incomplete sales. In this case, there is a possibility of a dispute between the client and the insurance company. To prevent this problem, it is necessary to compare the documents required for the insurance contract with the same person by simply comparing the handwritten signature using the identification code. Can be determined. In this way, insurance companies can check for incomplete sales in advance to prevent possible disputes.
  • the second example shows that when a customer is provided with a variety of financial services (eg, banks, insurance, securities, cards, etc.) for one financial holding, the identity of the handwritten signature entered when signing up for each financial service is automatically In this way, it is possible to reduce the risk of financial institutions due to the signing of others.
  • financial accidents can be prevented by notifying customers about the possibility of identity theft by informing customers about contracts of financial services that are determined by signatures of others rather than by the same person.
  • by performing the comparison of the autograph signatures automatically using an identification code it is possible to improve the work productivity by minimizing the verification personnel from the financial institution's point of view.
  • the electronic document generation method and the handwritten signature verification method according to the present embodiments described above may be embodied as computer readable codes on a computer readable recording medium.
  • Computer-readable recording media include all kinds of recording media having data stored thereon that can be decrypted by a computer system. For example, there may be a read only memory (ROM), a random access memory (RAM), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, and the like.
  • the computer readable recording medium can also be distributed over computer systems connected over a computer network, stored and executed as readable code in a distributed fashion.

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Abstract

L'invention concerne un système et un procédé de vérification de signature manuscrite utilisant un code d'identification. Un mode de réalisation de la présente invention concerne un terminal de signature, qui est un terminal électronique dans lequel une application de génération de document électronique correspondant à une signature manuscrite est installée, et qui comprend : une unité de gestion de documents de base qui affiche un document de base pour des transactions financières demandées par un serveur de document et reçues de celui-ci ; une unité d'entrée de signature manuscrite qui reçoit une signature manuscrite correspondant à un champ d'entrée de signature du document de base ; une unité d'extraction de valeur de caractéristique qui extrait une valeur de caractéristique pour la signature manuscrite ; une unité de génération de code d'identification qui génère un code d'identification contenant la valeur de caractéristique ; et une unité de génération de document à signature qui génère un document à signature électronique en intégrant une image de signature manuscrite de la signature manuscrite et le code d'identification à un emplacement prédéterminé du document de base, et qui envoie le document à signature électronique au serveur de documents.
PCT/KR2016/014166 2016-06-20 2016-12-05 Système et procédé de vérification de signature manuscrite utilisant un code d'identification WO2017222125A1 (fr)

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KR10-2016-0076628 2016-06-20
KR10-2016-0101042 2016-08-09
KR1020160101042A KR101990072B1 (ko) 2016-08-09 2016-08-09 식별코드를 이용한 자필서명 검증 시스템 및 방법

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