TW202405736A - Electronic contract signature system and contract processing server - Google Patents

Abstract

An electronic contract signature system comprising a computer program product and a contract processing server. The computer program is loaded by a plurality of electronic devices for sending a face image and identity information to the contract processing server. The contract processing server comprises a membership module, an identity authentication module and a contract signature module. The membership module has a plurality of registration facial features corresponding to the identity information of a plurality of contract signatories, respectively. The identity authentication module identifies a facial feature of the contract signatories according to each registration facial feature and generates a time information of successful identification corresponding to the time when the identification is successful. The contract signature module generates electronic signatures according to the time information of successful identification, the identity information, and the facial feature code of corresponding contract signatories respectively, and digitally sign an electronic contract according to electronic signatures of each contract signatories.

Description

Electronic contract signing system and contract processing server

The present invention relates to an electronic contract signing system and a contract processing server, in particular to an electronic contract signing system and a contract processing server that perform electronic signing using facial images.

As information encryption technology matures, more and more documents use electronic signatures to replace the traditional method of signing and sealing paper documents. Therefore, electronic contracts are now very popular. For the financial industry, the signing operation of electronic contracts is more rigorous. When users sign electronic contracts, they need to ensure that the electronic contracts are signed by themselves. The current practice is to pre-store the user's signature in the electronic contract system. After the electronic contract system obtains the current electronic signature handwriting file, the electronic contract system will use the electronic signature handwriting file to verify whether the current electronic signature handwriting file is correct. If the comparison results are consistent, the electronic contract system will determine whether the handwriting file is correct. The current electronic signature handwriting file obtained is a valid file, and the current electronic signature handwriting is encrypted in the electronic contract. However, existing electronic contract systems all compare the handwriting similarity of electronic signatures. In the case of remote signing, the electronic contract system cannot confirm whether the electronic signature is signed by the user himself, and the electronic signature handwriting file is easily copied maliciously. and misappropriation.

In view of this, in some embodiments, an electronic contract signing system is provided including a computer program product and a contract processing server. The computer program product is loaded into a plurality of electronic devices respectively. The electronic device includes a photographing unit, an input unit, a network unit and a processing unit. The processing unit loads the computer program product to execute a plurality of program instructions, where the program instructions include a first program instruction, a third program instruction and a processing unit. Second program instructions and third program instructions. The first program instruction is to cause the photographing unit to capture a facial image, the second program instruction is to obtain identity information through the input unit, and the third program instruction is to send the facial image and identity information through the network unit. The contract processing server provides connections to network units of electronic devices operated by multiple contract signatories. The contract processing server includes a membership module, an identity verification module and a contract signature module. The member module has a plurality of registered facial features corresponding to the identity information of each contract signatory. The identity verification module generates a facial feature code based on the facial image, and verifies the facial feature code of each contract signatory based on each registered facial feature code. When the facial feature code verification is passed, a current verification success is generated. time. The contract signing module generates electronic signatures based on the verification success time, identity information and facial feature code corresponding to each contract signatory, and uses the electronic signature of each contract signatory to digitally sign the electronic contract.

In some embodiments, the contract processing server further includes a contract storage module for storing electronic contracts with electronic timestamps.

In some embodiments, the electronic contract signing system further includes a timestamp processing server. The contract signing module transmits the electronic contract to the timestamp processing server. The timestamp processing server generates an electronic contract based on the reception time of the electronic contract. Timestamp, add the electronic timestamp to the electronic contract, and return the electronic contract with the electronic timestamp to store it in the contract storage module.

In some embodiments, when facial feature code verification fails, the electronic device that fails verification executes a fourth program instruction to cause the photography unit to capture a dynamic facial image, and executes a fifth program instruction to send the image through the network unit. Dynamic facial image. When the identity verification module detects dynamic facial image changes within a preset time, the identity verification module obtains another facial feature code based on the dynamic facial image and verifies it with the registered facial feature code. Another facial signature.

In some embodiments, the electronic device includes a device identification unit. The device identification unit stores device identification information. The contract signing module is based on the device identification information, facial signature, verification success time and identity information corresponding to each contract signatory. Electronic signatures are generated separately.

In some embodiments, the electronic device includes a device geographical coordinate unit. The device geographical coordinate unit is used to obtain geographical coordinate information. The contract signature module generates electronic signatures based on the facial feature code, verification success time, identity information and geographical coordinate information respectively. Signature.

To sum up, in some embodiments, an electronic contract signing system and a contract processing server are provided. The contract processing server can generate a signature based on the verification success time, identity information and facial feature code corresponding to each contract signatory. Electronic signature, and use the electronic signature of each contract signer to digitally sign the electronic contract. Through this, the electronic signature generated by the contract processing server can confirm whether the contract signer is personally signed by himself, and can also Effectively prevent electronic signatures from being forged and maliciously copied.

Various embodiments are provided below for detailed description. However, the embodiments are only used as examples and do not limit the scope of the present invention. In addition, some components are omitted from the drawings in the embodiments to clearly illustrate the technical features of the present invention. The same reference numbers will be used throughout the drawings to refer to the same or similar elements.

Please refer to Figure 1, Figure 2 and Figure 3 together. Figure 1 is a system architecture diagram of an electronic contract signing system according to some embodiments of the present invention. FIG. 2 is a block diagram of an electronic device according to some embodiments of the present invention. Figure 3 is a block diagram of a contract processing server according to some embodiments of the present invention. In some embodiments, as shown in FIGS. 1 to 3 , the electronic contract signing system 1 includes a computer program product 12 and a contract processing server 14 . The computer program product 12 is loaded by a plurality of electronic devices 16 respectively. The electronic device 16 includes a photography unit 161, an input unit 162, a network unit 163 and a processing unit 164. The processing unit 164 loads the computer program product 12 to execute a plurality of Program instructions, wherein the program instructions include a first program instruction, a second program instruction and a third program instruction. The first program instruction causes the photography unit 161 to capture a facial image. The second program instruction obtains identity information through the input unit 162 . The third program instruction sends a facial image and identity information through the network unit 163. The contract processing server 14 provides connections to the network units 163 of the electronic devices 16 operated by a plurality of contract signatories. The contract processing server 14 includes a membership module 141 , an identity verification module 142 and a contract signature module 143 . The member module 141 has a plurality of registered facial feature codes respectively corresponding to the identity information of each contract signatory. The identity verification module 142 generates a facial feature code based on the facial image, and verifies the facial feature code of each contract signatory based on each registered facial feature code. When the facial feature code verification is passed, a current verification is generated. Success time. The contract signature module 143 generates an electronic signature respectively based on the verification success time, identity information and facial feature code corresponding to each contract signatory, that is, based on the verification success time, identity information and facial feature code of a contract signatory. Generate an electronic signature and generate another electronic signature based on the verification success time, identity information and facial feature code of another contract signatory. The contract signing module 143 uses the electronic signatures of each contract signatory to digitally sign the electronic contract.

In some embodiments, the computer program product 12 may be a readable recording medium, and the program instructions are stored in the readable recording medium for loading by the electronic device 16 . In some embodiments, the above program instructions can be computer program products 12 and are transmitted to the electronic device 16 via wired or wireless means.

In some embodiments, the electronic device 16 can be a mobile phone, a tablet, or a computer, and each contract signatory can operate their respective electronic device 16 to perform digital signature operations on the electronic contract. In some embodiments, the contract signatories may refer to at least two users of an online service platform (to be described later). Each contract signatory can operate its respective electronic device 16 and execute the computer program product 12 to digitally sign the electronic contract. The photography unit 161 can be, for example, a camera lens. The processing unit 164 can drive the photography unit 161 according to the first program instruction, so that the photography unit 161 captures an environmental image in a shooting environment, where the photography unit 161 corresponds to the face of the contract signer. When photographing the face, the photography unit 161 can capture the face image from the environment image. The input unit 162 can be, for example, a keyboard component or a touch screen. The contract signer can input identity information into the electronic device 16 through the input unit 162. The identity information can be, for example, a platform user identification code, a name of the contract signer, and 1. The identity card number of the contract signing party, one of the above-mentioned information or a combination of two or more types of information. The network unit 163 may be, for example, Global System for Mobile communication (GSM), Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, wireless fidelity (Wireless Fidelity, Wi-Fi) system or Bluetooth (Bluetooth). In some embodiments, the information sent between the network unit 163 and the contract processing server 14 can first encrypt the information to be transmitted and then send it out. To ensure the security of information transmission. The processing unit 164 can be, for example, a central processing unit (CPU), a microprocessor (MCU) or an ARM (Advanced Risc Machine, ARM) processor. The processing unit 164 can control and connect the photography unit 161, the input unit 162 and the network unit 163. , to transmit electronic signals between the aforementioned units and drive each unit according to program instructions.

The membership module 141 can pre-store the registered facial features of each contract signatory to provide the identity verification module 142 to verify the facial features (described later). The member module 141 may be, for example, a member database that allows the identity verification module 142 and the contract signature module 143 to access registered facial features.

The identity verification module 142 can search for the registered facial feature code corresponding to the identity information stored in the membership module 141 based on the identity information (such as the identity card number of the contract signer). The aforementioned "verify each contract signature based on each registered facial feature code" "Party's facial feature code", for example, the identity verification module 142 can search for the registered facial feature code corresponding to the identity information based on the identity information of the contract signer, and then use the searched registered facial feature code and facial feature code to verify. In some embodiments, the identity verification module 142 may analyze a feature similarity between the registered facial feature code and the facial feature code. If the feature similarities are substantially consistent (that is, the feature similarities are within an allowable error range), Then the identity verification module 142 determines that the verification is passed, and the verification success time is generated based on the time of the verification result. Otherwise, the identity verification module 142 determines that the verification is failed (described later). The verification success time can be composed of one or more time parameters such as year, month, day, hour, minute, and second. In some embodiments, when the identity verification module 142 verifies the facial feature code and registers the facial feature code, it can verify all objects among the contract signatories at the same time. For example, the identity verification module 142 verifies each contract signatory at the same time. The facial feature code can also be verified in advance for one part of the contract signatories, and then another part of the objects is verified. For example, before the electronic contract is digitally signed, the identity verification module 142 first verifies a part of the objects. The facial features of the contract signatories are verified, and a record that this part of the contract signatories has completed the verification is saved. When the electronic contract is digitally signed, the identity verification module 142 then verifies the facial features of another part of the contract signatories. code to verify. In some embodiments, the aforementioned "identity verification module 142 generates a facial feature code based on the facial image" may refer to the identity verification module 142 analyzing and capturing an image feature of the facial image (for example, face contour features, eye shape, nose length and width or forehead width, etc.), the image features are encoded into electronic information that can be compared and processed.

In some embodiments, after the identity verification module 142 obtains the successful verification time, the contract signing module 143 uses the identity information and facial feature codes of each contract signatory (such as the creditor and the debtor). Generate an electronic signature and encrypt the electronic signature into the electronic contract.

In some embodiments, please refer to FIG. 3 again. The contract processing server 14 further includes a contract storage module 144 for storing electronic contracts with an electronic timestamp. It can mean that after the contract signing module 143 completes the digital signature of the electronic contract (that is, encrypting the electronic signature to the electronic contract), the electronic contract can further add an electronic timestamp, and the electronic time stamp will be added to the electronic contract. The contract is stored in the contract storage module 144. The contract storage module 144 may be a solid-state disk (SSD), a hard disk drive (HDD) or a cloud storage medium (cloud storage medium).

In some embodiments, as shown in Figure 1, the electronic contract signing system 1 further includes a timestamp processing server 18. The contract signing module 143 transmits the electronic contract to the timestamp processing server 18. The timestamp processing server The processor 18 generates an electronic time stamp based on a reception time of the received electronic contract, adds the electronic time stamp to the electronic contract, and returns the electronic contract with the electronic time stamp to the contract storage module 144 for storage. Among them, the electronic timestamp can be the current time when the timestamp processing server 18 adds the electronic timestamp to the electronic contract. Therefore, in addition to verifying the passing time of the electronic contract, the electronic contract can also check the electronic contract through the time of the electronic timestamp. Whether it is wrong or forged.

In some embodiments, when the facial feature code verification fails, the electronic device 16 that has not passed the verification executes a fourth program instruction. When the fourth program instruction is executed, the photography unit 161 can capture a dynamic facial image. , and execute a fifth program instruction. When the fifth program instruction is executed, the network unit 163 can encrypt and send the dynamic facial image, and the identity verification module 142 detects that the dynamic facial image has an image dynamic change within a preset time. At this time, the identity verification module 142 obtains another facial feature code based on the dynamic facial image, and verifies the other facial feature code with the registered facial feature code. In some embodiments, the dynamic change of the image includes a pixel change and/or a three-dimensional image depth change, wherein the pixel change may refer to the pixel change (such as pixel offset) of the frame before and after the dynamic facial image. , the change in the depth of the three-dimensional image may refer to the change in the depth value of part or all of the dynamic facial image. In addition, the preset time may refer to the time or number of frames before and after the dynamic facial image. The aforementioned "identity verification model" "When the group 142 detects that the dynamic facial image has dynamic changes in the image within the preset time," for example, the identity verification module 142 can analyze whether the dynamic facial image has dynamic changes in the image (with the amount of pixel change and/or or three-dimensional image depth changes), if the dynamic facial image has dynamic changes within the preset time, the identity verification module 142 can determine that the dynamic facial image is not a static photo, thereby preventing others from stealing the identity of the contract signer. Photos are digitally signed.

In some embodiments, before the electronic contract is digitally signed, the contract signer can execute a sixth program instruction through the electronic device 16. When the sixth program instruction is executed, the electronic device 16 can combine the facial image and identity. The information is sent to the contract processing server 14 (for the method of obtaining the facial image and identity information, please refer to the first program instruction and the second program instruction), so that the identity verification module 142 of the contract processing server 14 can, based on the identity information and The facial image generates a registered facial feature code, and the registered facial feature code is stored in the member module 141. When the identity verification module 142 obtains the facial image, it can analyze and capture the image of the facial image. After extracting features (such as facial contour features, eye shape, nose length and width, or forehead width, etc.), the image features and identity information are encoded into registered facial feature codes that can be compared and processed. It should be noted that the registered facial feature code generated by the identity verification module 142 is bound to the identity information. For example, each registered facial feature code can be bound to the identity card number. Accordingly, the identity verification module 142 can search for the corresponding registered facial feature code in the membership module 141 based on the identity card number of the contract signer for subsequent verification and comparison of the registered facial feature code and the facial feature code.

In some embodiments, please refer to FIG. 2 . The electronic device 16 includes a device identification unit 165 . The device identification unit 165 stores a device identification information. The contract signing module 143 is based on the device identification information corresponding to each contract signatory. , facial feature code, verification success time and identity information to generate an electronic signature. The device identification information may be, for example, a Universally Unique Identifier (Universally Unique Identifier) or an International Mobile Equipment Identity (IMEI) of the electronic device 16, which is processed when the processing unit 164 executes the third program instruction. Unit 164 may obtain device identification information and send the device identification information together.

In some embodiments, please refer to FIG. 2 . The electronic device 16 includes a device geographical coordinate unit 166. The device geographical coordinate unit 166 is used to obtain a device geographical coordinate information. The contract signature module 143 is based on the facial feature code, The successful verification time, identity information and device geographical coordinate information generate an electronic signature. For example, the contract signature module 143 may also generate an electronic signature based on facial features, verification success time, identity information, device geographical coordinate information, and device identification information corresponding to each contract signatory. The device geographical coordinate information may be, for example, a Global Positioning System (GPS) signal or an address. When the processing unit 164 executes the third program instruction, the processing unit 164 may obtain the device geographical coordinate information and place the device together. The geographical coordinate information is sent.

In some embodiments, after the timestamp processing server 18 adds the electronic timestamp to the electronic contract, the timestamp processing server 18 can generate an electronic contract code corresponding to the electronic contract, and transmit the electronic contract code back to the contract. The storage module 144 stores. The electronic contract code can be a two-dimensional barcode. The electronic contract code can be displayed on a physical carrier or a virtual carrier. For example, the electronic contract code can be printed on physical paper or displayed on a graphical user interface (such as a web interface or a program interface). ). In some embodiments, the electronic device 16 can execute a seventh program instruction. When the seventh program instruction is executed, the photography unit 161 can capture the electronic contract code and transmit the electronic contract code to the contract processing server 14. The contract is stored The module 144 can search for the corresponding electronic contract based on the received electronic contract code, and transmit the corresponding electronic contract back to the electronic device 16 so that the electronic contract (including the electronic signature) can be displayed on the electronic device 16 .

In some embodiments, as shown in FIG. 3 , the contract processing server 14 further includes a contract verification module 145 for generating an electronic message based on the verification success time, identity information and facial feature code corresponding to each contract signatory. Signature verification code, and the contract verification module 145 verifies the electronic signature with the electronic signature verification code. Specifically, the electronic device 16 can execute an eighth program instruction. When the eighth program instruction is executed, the photographing unit 161 can capture the facial image, and after the input unit 162 receives the identity information, it can then send the facial image through the network unit 163 The facial image and identity information are sent to the contract processing server 14. The identity verification module 142 can generate a facial feature code and verification success time based on the facial image (please refer to the above description for the process of obtaining the facial feature code and verification success time), and the contract verification module 145 can generate a facial feature code and identity based on the verification success time and identity. Information and facial features are used to generate an electronic signature verification code. After the contract verification module 145 generates the electronic signature verification code, the photography unit 161 can capture the electronic signature in the electronic contract (which can be the electronic signature of any party who signed the contract), and use the network unit 163 to The electronic signature is sent to the contract processing server 14 so that the contract verification module 145 can verify the electronic signature with the electronic signature verification code. If the verification result is successful, it means that the electronic signature is correct. If the verification result is failed, it means that the electronic signature is correct. , it means that the electronic signature is wrong (that is, a forged electronic signature). In some embodiments, when the eighth program instruction is executed, the electronic device 16 can send the device identification information, device geographical coordinate information and/or electronic contract code to the contract processing server 14, so that the contract verification module 145 can verify based on Success time, identity information, facial signature, device identification information, device geographical coordinate information and/or electronic contract code generate an electronic signature verification code.

In summary, in some embodiments, the electronic contract signing system 1 and the contract processing server 14 are provided. The contract processing server 14 can be based on the verification success time, identity information, and device identification corresponding to each contract signatory. information, device geographical coordinate information and facial signatures to generate an electronic signature, and use the electronic signatures of each contract signatory to digitally sign the electronic contract, whereby the electronic signature generated by the contract processing server 14 can Confirming whether the signatory of the contract signed it in person can also effectively prevent electronic signatures from being forged and maliciously copied.

The above-mentioned embodiments only illustrate the technical ideas and characteristics of this case. Their purpose is to enable those familiar with this technology to understand the contents of this case and implement them accordingly. They cannot be used to limit the patent scope of this case. Equal changes or modifications made to the spirit of the disclosure should still be covered by the patent application scope of this case.

1: Electronic contract signing system 12:Computer program products 14:Contract processing server 141:Member module 142: Identity verification module 143:Contract signature module 144:Contract storage module 145:Contract verification module 16: Electronic devices 161: Photography unit 162:Input unit 163:Network unit 164:Processing unit 165: Device identification unit 166: Device geographical coordinate unit 18: Timestamp processing server

[Fig. 1] is a system architecture diagram of an electronic contract signing system according to some embodiments of the present invention. [Fig. 2] is a block diagram of an electronic device according to some embodiments of the present invention. [Fig. 3] is a block diagram of a contract processing server according to some embodiments of the present invention.

1: Electronic contract signing system

12:Computer program products

14:Contract processing server

145:Contract verification module

16: Electronic devices

18: Timestamp processing server

Claims (10)

An electronic contract signing system, including: A computer program product is loaded into a plurality of electronic devices respectively. The electronic device includes a photography unit, an input unit, a network unit and a processing unit. The processing unit loads the computer program product to execute a plurality of program instructions, wherein These program instructions include: a first program instruction to cause the photography unit to capture a facial image; a second program instruction to obtain identity information through the input unit; and a third program command to send the facial image and the identity information through the network unit; and A contract processing server for connection by the network unit of the electronic device operated by a plurality of contract signatories, the contract processing server comprising: A membership module having a plurality of registered facial features corresponding to the identity information of the contract signatories respectively; An identity verification module generates a facial feature code based on the facial image, and verifies the facial feature codes of the contract signatories based on the registered facial feature codes. When the facial feature code verification is passed , generate the current verification success time; and A contract signature module generates an electronic signature based on the verification success time, the identity information and the facial feature code corresponding to each contract signatory, and uses the electronic signatures of the contract signatories to verify a Electronic contracts are digitally signed. The electronic contract signing system as described in claim 1, wherein the contract processing server further includes a contract storage module for storing the electronic contract with an electronic timestamp. The electronic contract signing system as described in claim 2 further includes a timestamp processing server. The contract signing module transmits the electronic contract to the timestamp processing server. The timestamp processing server receives the time stamp processing server. The electronic time stamp is generated when the electronic contract is received, the electronic time stamp is added to the electronic contract, and the electronic contract with the electronic time stamp is returned to the receiving contract storage module for storage. The electronic contract signing system as described in claim 1, wherein when the facial image verification fails, the electronic device that fails the verification executes a fourth program instruction to cause the photography unit to capture a dynamic face image, and execute a fifth program instruction to send the dynamic facial image through the network unit. When the identity verification module detects that the dynamic facial image has an image dynamic change within a preset time, the identity verification module The group obtains another facial feature code based on the dynamic facial image, and verifies the other facial feature code with the registered facial feature code. The electronic contract signing system as described in claim 4, wherein the dynamic change of the image includes a pixel change or a three-dimensional image depth change. The electronic contract signing system as described in claim 1, wherein the electronic device includes a device identification unit that stores a device identification information, and the contract signing module is based on the device corresponding to each contract signatory. The identification information, the facial feature code, the verification success time and the identity information generate the electronic signature. The electronic contract signing system as described in claim 1, wherein the electronic device includes a device geographical coordinate unit, the device geographical coordinate unit is used to obtain a device geographical coordinate information, and the contract signature module corresponds to each contract The signer's geographical coordinate information of the device, the facial feature code, the verification success time and the identity information generate the electronic signature. The electronic contract signing system as described in claim 1, wherein the contract processing server further includes a contract verification module for based on the verification success time, the identity information and the face corresponding to each contract signatory. The signature generates an electronic signature verification code, and the contract verification module verifies the electronic signature using the electronic signature verification code. A contract processing server including: A membership module having a plurality of registered facial signatures respectively corresponding to an identity information of a plurality of contract signatories; An identity verification module verifies a facial image of the contract signatories based on the registered facial feature codes, and when the facial image verification is passed, a current verification success time is generated; and A contract signing module generates an electronic signature based on the verification success time and the identity information corresponding to each contract signatory, and uses the electronic signatures of the contract signatories to digitally sign an electronic contract chapter. The contract processing server as described in claim 9 further includes a contract storage module. The contract signing module transmits the electronic contract to a timestamp processing server and stores the timestamp processing server for time stamp signing. After the chapter is completed, the electronic contract with an electronic timestamp is returned to the contract storage module.

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