TWI852049B - 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 signature system and contract processing server

The present invention relates to an electronic contract signature system and a contract processing server, and more particularly to an electronic contract signature system and a contract processing server that use facial images for electronic signature.

As information encryption technology matures, more and more documents use electronic signatures to replace the traditional method of signing and stamping on paper documents. Therefore, electronic contracts are now very popular. For the financial industry, the signing of electronic contracts is more rigorous. When users sign and stamp on electronic contracts, they need to ensure that the electronic contract is an electronic signature signed by themselves. The current practice is that the electronic contract system will pre-store the user's electronic signature handwriting file. 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 match, the electronic contract system will determine that the current electronic signature handwriting file received is a valid file, and then encrypt the current electronic signature handwriting 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 easy to be maliciously copied and stolen.

In view of this, in some embodiments, an electronic contract signature system is provided, which includes a computer program product and a contract processing server. The computer program product is respectively loaded into a plurality of electronic devices, and the electronic devices include a camera 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 the program instructions include a first program instruction, a second program instruction, and a third program instruction. The first program instruction is to enable the camera unit to capture a facial image, the second program instruction is to obtain identity information via the input unit, and the third program instruction is to send the facial image and identity information via the network unit. The contract processing server is connected to the network unit of the 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 membership module has multiple registered facial feature codes 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 time is generated. The contract signature module generates an electronic signature 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 timestamp based on the time when the electronic contract is received, adds the electronic timestamp to the electronic contract, and returns the electronic contract with the electronic timestamp to the contract storage module for storage.

In some embodiments, when the facial feature code verification fails, the electronic device that has not passed the verification executes a fourth program instruction to enable the camera unit to capture a dynamic facial image, and executes a fifth program instruction to send the dynamic facial image via the network unit. When the identity verification module detects that the dynamic facial image has dynamic image changes within a preset time, the identity verification module 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 electronic device includes a device identification unit that stores device identification information, and the contract signing module generates an electronic signature according to the device identification information, facial feature code, verification success time, and identity information corresponding to each contract signatory.

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

In summary, in some embodiments, an electronic contract signing system and a contract processing server are provided, wherein the contract processing server can generate an electronic signature according to the verification success time, identity information and facial feature code corresponding to each contract signatory, and use the electronic signature of each contract signatory to digitally sign the electronic contract. In this way, the electronic signature generated by the contract processing server can confirm whether the contract signatory has signed it in person, and can effectively prevent the electronic signature from being forged and maliciously copied.

Various embodiments are presented below for detailed description. However, the embodiments are only used as examples and do not limit the scope of the invention. In addition, some elements are omitted in the drawings in the embodiments to clearly show the technical features of the invention. The same reference numerals will be used to represent the same or similar elements in all drawings.

Please refer to Figures 1, 2 and 3 together. Figure 1 is a system architecture diagram of an electronic contract signature system according to some embodiments of the present invention. Figure 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 Figures 1 to 3, the electronic contract signature system 1 includes a computer program product 12 and a contract processing server 14. The computer program product 12 is loaded into a plurality of electronic devices 16. The electronic devices 16 include a camera 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 enables the camera unit 161 to capture a facial image. The second program instruction obtains identity information via the input unit 162. The third program instruction sends a facial image and identity information via the network unit 163. The contract processing server 14 is connected to the network unit 163 of the electronic device 16 operated by multiple contract signatories. The contract processing server 14 includes a membership module 141, an identity verification module 142 and a contract signing module 143. The membership module 141 has multiple registered facial feature codes 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 success time is generated. The contract signing module 143 generates an electronic signature according to the verification success time, identity information and facial feature code of each contract signatory, that is, one electronic signature is generated according to the verification success time, identity information and facial feature code of one contract signatory, and another electronic signature is generated according to 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 program instructions may be the computer program product 12, and are transmitted to the electronic device 16 via wired or wireless means.

In some embodiments, the electronic device 16 may be a mobile phone, a tablet computer, or a computer. Each contract signatory may operate their own electronic device 16 to perform a digital signature operation on the electronic contract. In some embodiments, the contract signatory may refer to at least two users of an online service platform (described later). Each contract signatory may operate their own electronic device 16 to execute the computer program product 12 to perform a digital signature on the electronic contract. The camera unit 161 may be, for example, a camera lens. The processing unit 164 may drive the camera unit 161 according to the first program instruction so that the camera unit 161 captures an environmental image in a shooting environment. When the camera unit 161 shoots the face of the contract signatory, the camera unit 161 may capture the facial image from the environmental image. The input unit 162 may be, for example, a keyboard assembly or a touch screen. The contract signatory may input identity information into the electronic device 16 through the input unit 162. The identity information may be, for example, a platform user identification code, a contract signatory's name, and a contract signatory's identification number, one of the aforementioned information or a combination of two or more of the aforementioned information. The network unit 163 may be, for example, a Global System for Mobile communication (GSM), a Long Term Evolution (LTE) system, a Worldwide interoperability for Microwave Access (WiMAX) system, a Wireless Fidelity (Wi-Fi) system, or Bluetooth. In some embodiments, the information sent between the network unit 163 and the contract processing server 14 may be encrypted before being sent to ensure the security of the information transmission. The processing unit 164 may be, for example, a central processing unit (CPU), a microprocessor (MCU) or an ARM (Advanced Risc Machine, ARM) processor. The processing unit 164 may control and connect the imaging 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 member module 141 can store the registered facial feature codes of each contract signatory in advance to provide the identity verification module 142 with the facial feature code for verification (described later). The member module 141 can be, for example, a member database that allows the identity verification module 142 and the contract signing module 143 to access the registered facial feature codes.

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 (e.g., the identity card number of the contract signatory). The aforementioned "verifying the facial feature code of each contract signatory based on each registered facial feature code" can, for example, involve the identity verification module 142 searching for the registered facial feature code corresponding to the identity information based on the identity information of the contract signatory, and then performing verification with the searched registered facial feature code and the facial feature code. 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 similarity is substantially consistent (i.e., the feature similarity is within an allowable error range), the identity verification module 142 determines that the verification is successful, and generates a verification success time based on the time of the verification success result. Otherwise, the identity verification module 142 determines that the verification is unsuccessful (to be described later). The verification success time may 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 the registered facial feature code, it can verify all the objects in the contract signatories at the same time. For example, the identity verification module 142 verifies the facial feature codes of each contract signatory at the same time, or it can verify some of the objects in the contract signatories in advance and then verify the other objects. For example, before the electronic contract is digitally signed, the identity verification module 142 first verifies the facial feature codes of some of the contract signatories and saves the record that the verification of these contract signatories has been completed. When the electronic contract is digitally signed, the identity verification module 142 verifies the facial feature codes of another part of the contract signatories. 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 (e.g., facial contour features, eye shape, nose length and width or forehead width, etc.), and then encoding the image feature into electronic information that can be compared and processed.

In some embodiments, after the identity verification module 142 obtains the verification success time, the contract signing module 143 generates an electronic signature based on the identity information and facial feature code of each contract signatory (such as the creditor and the debtor), and encrypts the electronic signature in the electronic contract.

In some embodiments, please refer to FIG. 3 , the contract processing server 14 further includes a contract storage module 144 for storing an electronic contract with an electronic timestamp. It may mean that after the contract signing module 143 completes the digital signing of the electronic contract (i.e., encrypting the electronic signature in the electronic contract), the electronic contract may further add an electronic timestamp, and the electronic contract with the electronic timestamp 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.

In some embodiments, please refer to FIG. 1 , the electronic contract signature system 1 further includes a timestamp processing server 18. The contract signature module 143 transmits the electronic contract to the timestamp processing server 18. The timestamp processing server 18 generates an electronic timestamp according to a receiving time of the electronic contract, adds the electronic timestamp to the electronic contract, and returns the electronic contract with the electronic timestamp to the contract storage module 144 for storage. 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 checking the time of passing the verification, the electronic contract can also be checked by the time of the electronic timestamp to see if 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 camera 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. When the identity verification module 142 detects that the dynamic facial image has a dynamic image change within a preset 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 image change includes a pixel change amount and/or a three-dimensional image depth change, wherein the pixel change amount may refer to the pixel change (e.g., pixel offset) of the previous and next frames of the dynamic facial image, and the three-dimensional image depth change may refer to the change of the depth value of a part or all of the dynamic facial image. In addition, the preset time may refer to the time or frame number of the previous and next frames of the dynamic facial image. The aforementioned "the identity verification module 142 performs the default time verification in the default time verification mode" may be used to verify the identity of the user. When the dynamic facial image is detected to have dynamic image changes within a preset time, for example, the identity verification module 142 analyzes whether the dynamic facial image has dynamic image changes (with pixel changes and/or three-dimensional image depth changes) within a preset time. If the dynamic facial image has dynamic image 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 photo of the contract signatory for digital signature.

In some embodiments, before the electronic contract is digitally signed, the contract signatory may execute a sixth program instruction through the electronic device 16. When the sixth program instruction is executed, the electronic device 16 may transmit the facial image and identity information to the contract processing server 14 (the method of obtaining the facial image and identity information may 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 execute the sixth program instruction. , a registered facial feature code can be generated based on the identity information and the facial image, and the registered facial feature code can be stored in the member module 141. When the identity verification module 142 obtains the facial image, it can analyze and capture the image features of the facial image (for example, facial contour features, eye shape, nose length and width or forehead width, etc.), and then encode the image features and the identity information into a registered facial feature code 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 ID number. Accordingly, the identity verification module 142 can search for the corresponding registered facial feature code in the membership module 141 according to the ID number of the contract signatory to perform subsequent verification and comparison between 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, and the device identification unit 165 stores a device identification information. The contract signing module 143 generates an electronic signature according to the device identification information, facial feature code, verification success time and identity information corresponding to each contract signatory. The device identification information can be, for example, a universally unique identifier (Universally Unique Identifier) or an international mobile equipment identity (IMEI) of the electronic device 16. When the processing unit 164 executes the third program instruction, the processing unit 164 can obtain the device identification information and send the device identification information.

In some embodiments, please refer to FIG. 2 , the electronic device 16 includes a device geographic coordinate unit 166, and the device geographic coordinate unit 166 is used to obtain device geographic coordinate information. The contract signature module 143 generates an electronic signature based on the facial feature code, the time of successful verification, the identity information, and the device geographic coordinate information. For example, the contract signature module 143 can generate an electronic signature based on the facial feature code, the time of successful verification, the identity information, the device geographic coordinate information, and the device identification information corresponding to each contract signatory. The device geographic coordinate information can 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 can obtain the device geographic coordinate information and send the device geographic coordinate information.

In some embodiments, after the timestamp processing server 18 adds the electronic timestamp to the electronic contract, the timestamp processing server 18 may generate an electronic contract code corresponding to the electronic contract, and return the electronic contract code to the contract storage module 144 for storage. The electronic contract code may be a two-dimensional barcode, and the electronic contract code may be displayed on a physical carrier or a virtual carrier, for example, the electronic contract code may be printed on a physical paper or displayed on a graphical user interface (e.g., 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 photographic unit 161 can capture the electronic contract code and transmit the electronic contract code to the contract processing server 14. The contract storage module 144 can search for the corresponding electronic contract based on the received electronic contract code and return the corresponding electronic contract 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 FIG3 , the contract processing server 14 further includes a contract verification module 145 for generating an electronic signature verification code according to the verification success time, identity information and facial feature code corresponding to each contract signatory, 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 camera unit 161 can capture a facial image, and after the input unit 162 receives the identity information, the facial image and the identity information are sent to the contract processing server 14 through the network unit 163. The identity verification module 142 can generate a facial feature code and a verification success time according to the facial image (please refer to the above description for the process of obtaining the facial feature code and the verification success time), and the contract verification module 145 can generate an electronic signature verification code according to the verification success time, identity information and facial feature code. After the contract verification module 145 generates the electronic signature verification code, the camera unit 161 can capture the electronic signature in the electronic contract (which can be the electronic signature of any of the contract signatories) and send the electronic signature to the contract processing server 14 through the network unit 163, 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 incorrect (i.e., a forged electronic signature). In some embodiments, when the eighth program instruction is executed, the electronic device 16 may send device identification information, device geographic coordinate information and/or electronic contract code to the contract processing server 14, so that the contract verification module 145 can generate an electronic signature verification code based on the verification success time, identity information, facial feature code, device identification information, device geographic coordinate information and/or electronic contract code.

In summary, in some embodiments, an electronic contract signing system 1 and a contract processing server 14 are provided, wherein the contract processing server 14 can generate an electronic signature according to the verification success time, identity information, device identification information, device geographic coordinate information and facial feature code corresponding to each contract signatory, and use the electronic signature of each contract signatory to digitally sign the electronic contract. In this way, the electronic signature generated by the contract processing server 14 can confirm whether the contract signatory has signed it in person, and can effectively prevent the electronic signature from being forged and maliciously copied.

The embodiments described above are only for illustrating the technical ideas and features of this case. Their purpose is to enable those familiar with this technology to understand the content of this case and implement it accordingly. They cannot be used to limit the patent scope of this case. In other words, any equivalent changes or modifications made according to the spirit disclosed in this case should still be covered by the scope of the patent application of this case.

1: Electronic contract signature system 12: Computer program product 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 device 161: Photo unit 162: Input unit 163: Network unit 164: Processing unit 165: Device identification unit 166: Device geographic coordinate unit 18: Timestamp processing server

[Figure 1] is a system architecture diagram of an electronic contract signature system according to some embodiments of the present invention. [Figure 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.

1: Electronic contract signature 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 includes: a computer program product, which is loaded into a plurality of electronic devices, wherein the electronic devices include a camera 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 the program instructions include: a first program instruction to enable the camera unit to capture a facial image; a second program instruction to obtain identity information through the input unit; and a third program instruction to send the facial image and the identity information through the network unit; and a contract processing server for the network unit of the electronic device operated by the plurality of contract signatories to connect to the server. Then, the contract processing server includes: a membership module having a plurality of registered facial feature codes corresponding to the identity information of the contract signatories; an identity verification module generating a facial feature code according to the facial image, and verifying the facial feature codes of the contract signatories according to the registered facial feature codes, and generating a current verification success time when the facial feature code verification is passed; and a contract signing module generating an electronic signature according to the verification success time, the identity information and the facial feature code corresponding to each contract signatory, and using the electronic signatures of the contract signatories to digitally sign an electronic contract. 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 comprises a timestamp processing server. The contract signing module transmits the electronic contract to the timestamp processing server. The timestamp processing server generates the electronic timestamp according to a receiving time of the electronic contract, adds the electronic timestamp to the electronic contract, and returns the electronic contract with the electronic timestamp to the storage module for receiving the contract for storage. The electronic contract signature system as described in claim 1, wherein when the facial image verification fails, the electronic device that has not passed the verification executes a fourth program instruction to enable the camera unit to capture a dynamic facial image, and executes a fifth program instruction to send the dynamic facial image via the network unit, and when the identity verification module detects that the dynamic facial image has a dynamic image change within a preset time, the identity verification module obtains another facial feature code based on the dynamic facial image, and verifies the other facial feature code with the registered facial feature code. An electronic contract signature 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, the device identification unit stores a device identification information, and the contract signing module generates the electronic signature according to the device identification information corresponding to each of the contract signatories, the facial feature code, the verification success time and the identity information. The electronic contract signing system as described in claim 1, wherein the electronic device includes a device geographic coordinate unit, the device geographic coordinate unit is used to obtain device geographic coordinate information, and the contract signing module generates the electronic signature according to the device geographic coordinate information corresponding to each of the contract signatories, the facial feature code, the verification success time and the identity information. The electronic contract signing system as described in claim 1, wherein the contract processing server further includes a contract verification module for generating an electronic signature verification code according to the verification success time, the identity information and the facial feature code corresponding to each of the contract signatories, and the contract verification module verifies the electronic signature with the electronic signature verification code. A contract processing server includes: a member module having a plurality of registered facial feature codes corresponding to identity information of a plurality of contract signatories; an identity verification module coupled to the member module, verifying the facial feature codes of the contract signatories according to the registered facial feature codes, and generating a current verification success time when the facial feature code verification is passed; and a contract signing module coupled to the member module and the identity verification module, generating an electronic signature according to the verification success time, the identity information and the facial feature code corresponding to each of the contract signatories, and using the electronic signatures of the contract signatories to digitally sign an electronic contract. 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 electronic contract with an electronic timestamp after the timestamp processing server performs a timestamp signature and returns the electronic contract to the contract storage module.

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