CN109658041A - Generating means and its generation method, the equipment and readable storage medium storing program for executing of file - Google Patents
Generating means and its generation method, the equipment and readable storage medium storing program for executing of file Download PDFInfo
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- CN109658041A CN109658041A CN201811138156.0A CN201811138156A CN109658041A CN 109658041 A CN109658041 A CN 109658041A CN 201811138156 A CN201811138156 A CN 201811138156A CN 109658041 A CN109658041 A CN 109658041A
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- 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
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention discloses a kind of generation method of contract documents, comprising: the first identifier information of acquisition contract initiator and its corresponding electronic contract；The first digital certificate is obtained from third party authoritative institution according to first identifier information；Electronic contract is digitally signed using the first digital certificate, first is obtained and signs documents；It sends and first signs documents to third party authoritative institution, and receive third party authoritative institution second for being digitally signed and being returned afterwards that sign documents based on first and sign documents；It sends second to sign documents to contract responder, and receipt of contract responder is signed documents based on second third for being digitally signed and being returned afterwards that signs documents；It is signed documents to form final contract according to third.The invention also discloses a kind of generating means of file, the generating device of contract documents and readable storage medium storing program for executing.The present invention reduces docking between the signing side and third party authoritative institution of electronic contract, while guaranteeing the legal effect of electronic contract.
Description
Technical field
The present invention relates to network safety filed more particularly to the generation methods of contract documents, the generating means of file, contract
The generating device and readable storage medium storing program for executing of file.
Background technique
With the development of internet technology, electronic contract is obtained extensively due to advantages such as it is efficient, orderly, safety height
Using.The each side for signing electronic contract at present is required in advance to digital certificate management mechanism application digital certificate, in electronics
It is signed when contract signing, and electronic contract need to be provided to digital certificate management mechanism in the process of electron contract
It notarizes to electronic contract content, to guarantee that electronic contract has legal effect.
Currently, gold of the generating means of the file on line as halfpace set different financial institution (such as bank)
Melt product and be supplied to user and select, when user and financial institution reach an agreement electronic contract to be signed, in order to guarantee electricity
The legal effect of sub- contract, if each side of contract signing is both needed to if being docked with digital certificate management mechanism, process is cumbersome,
Make the development cost and docking higher cost of electronic contract each side.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide a kind of generation methods of contract documents, it is intended to guarantee the law of electronic contract
Effect simplifies the electron contract process under more contract signing side's situations simultaneously.
To achieve the above object, the present invention provide a kind of contract documents generation method the following steps are included:
The first identifier information of acquisition contract initiator and its corresponding electronic contract；
The first digital certificate is obtained from third party authoritative institution according to the first identifier information；
The electronic contract is digitally signed using first digital certificate, first is obtained and signs documents；
It sends described first to sign documents to the third party authoritative institution, and receives the third party authoritative institution and be based on
Described first second for being digitally signed and being returned afterwards that sign documents signs documents；
It sends described second to sign documents to contract responder, and receives the contract responder and be based on second signature
File is digitally signed the third fed back afterwards and signs documents；
Sign documents the final contract to be formed between the contract initiator and contract responder according to the third.
Optionally, the first identifier information of the acquisition contract initiator and its step of corresponding electronic contract, include:
Obtain the first identifier information of the contract initiator；
The contract responder and corresponding loan approval results are determined according to the first identifier information；
Obtain the corresponding contract template of the contract responder；
The electronic contract is generated according to the contract template and the loan approval results.
Optionally, the first identifier information of the acquisition contract initiator and its step of corresponding electronic contract after,
Further include:
Obtain the identity of the contract initiator；
Corresponding first standard logo information is obtained according to the identity of the contract initiator；
It compares the first identifier information and whether the first standard logo information is consistent；
If comparison result be it is consistent, execute it is described according to the first identifier information determine the contract responder and
The step of corresponding loan approval results.
Optionally, described that the electronic contract is digitally signed using first digital certificate, obtain the first label
Affix one's name to file the step of include:
Identify the fisrt feature field in the electronic contract；
The first identifier information is added to the corresponding first object region of the fisrt feature field；
Hash is carried out to the electronic contract comprising the first identifier information using the private key in first digital certificate
It calculates, obtains first password sequence；
By the first password sequence be added to it is described include the first identifier information electronic contract, obtain described the
One signs documents.
Optionally, described to be signed documents to be formed between the contract initiator and contract responder most according to the third
Before the step of whole contract, further includes:
Obtain the public key with private key pairing；
Using the public key to the third sign documents in include the first identifier information electronic contract carry out
Hash calculation obtains the second keying sequence；
It compares the first password sequence and whether second keying sequence is consistent；
When the first password sequence is consistent with second keying sequence, executes and signed documents shape according to the third
The step of at final contract between the contract initiator and contract responder.
Optionally, described to execute according to described the when the first password sequence is consistent with second keying sequence
Before three sign documents the step of forming the final contract between the contract initiator and contract responder, further includes:
Identify the third sign documents in second feature field；
The second identifier letter of the contract responder is extracted in corresponding second target area of the second feature field
Breath；
Obtain the corresponding second standard logo information of the contract responder；
It compares the second identifier information and whether the second standard logo information is consistent；
If comparison result be it is consistent, execute and described signed documents to form the contract initiator and conjunction according to the third
The step of with final contract between responder.
Optionally, described to be signed documents to be formed between the contract initiator and contract responder most according to the third
The step of whole contract includes:
It is retrieved as the contract initiator and the contract responder provides the generating means of the contract file that signature services
The second digital certificate；
It is signed documents and is digitally signed to the third using second digital certificate, obtained the 4th and sign documents；
Described 4th is signed documents and generates pdf document, is formed between the contract initiator and contract responder most
Whole contract.
In addition, to achieve the goals above, the application also proposes a kind of generating means of file, the generation dress of the file
It sets and includes:
User profile acquisition module, for obtain contract initiator first identifier information and its corresponding electronic contract；
Certificate claims module, demonstrate,proves for obtaining the first number from third party authoritative institution according to the first identifier information
Book；
Stamped signature module obtains first for being digitally signed using first digital certificate to the electronic contract
It signs documents；
First transmission module signs documents for sending described first to the third party authoritative institution, and described in reception
Third party authoritative institution is signed documents based on described first second for being digitally signed and being returned afterwards that sign documents；
Second transmission module signs documents for sending described second to contract responder, and receives the contract response
Side is signed documents based on described second third for being digitally signed and being returned afterwards that signs documents；
Contract generation module, for signed documents according to the third to be formed the contract initiator and contract responder it
Between final contract.
In addition, to achieve the goals above, the application also proposes a kind of generating device of contract documents, the contract documents
Generating device include: memory, processor and be stored in the contract that can be run on the memory and on the processor
The generation program of file realizes as above described in any item conjunctions when the generation program of the contract documents is executed by the processor
With file generation method the step of.
In addition, to achieve the goals above, the application also proposes a kind of readable storage medium storing program for executing, on the readable storage medium storing program for executing
It is stored with the generation program of contract documents, as above any one institute is realized when the generation program of the contract documents is executed by processor
The step of generation method for the contract documents stated.
The generation method for a kind of contract documents that the embodiment of the present invention proposes, by claiming digital certificate for contract initiator
Stamped signature is carried out to electronic contract, contract initiator uses institute without voluntarily finding third party authoritative institution and claiming digital certificate
Electronic contract after the digital certificate stamped signature of application is sent to third party authoritative institution stamped signature and notarizes to electronic contract content,
Contract signing Fang Jun is without docking the validity that can guarantee electronic contract content with third party authoritative institution, after notarization
Electronic contract is sent to contract responder, then the electronic contract obtained after contract responder's stamped signature forms final contract, entire electricity
While the signature process of sub- contract can form effective chain of evidence, reduce electronic contract signing side and third party authoritative institution it
Between docking, simplify electron contract process, reduce electron contract development cost and docking cost.
Detailed description of the invention
Fig. 1 is the first pass schematic diagram of the generation method of contract documents of the embodiment of the present invention；
Fig. 2 is the second procedure schematic diagram of the generation method of contract documents of the embodiment of the present invention；
Fig. 3 is the third flow diagram of the generation method of contract documents of the embodiment of the present invention；
Fig. 4 is the 4th flow diagram of the generation method of contract documents of the embodiment of the present invention；
Fig. 5 is the 5th flow diagram of the generation method of contract documents of the embodiment of the present invention；
Fig. 6 is the 6th flow diagram of the generation method of contract documents of the embodiment of the present invention；
Fig. 7 is the 7th flow diagram of the generation method of contract documents of the embodiment of the present invention；
Fig. 8 is the device structure schematic diagram for the hardware running environment that the generating device of contract documents of the present invention is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are: the first identifier information of acquisition contract initiator and its corresponding electricity
Sub- contract；The first digital certificate is obtained from third party authoritative institution according to first identifier information；Using the first digital certificate to electricity
Sub- contract is digitally signed, and is obtained first and is signed documents；It sends first to sign documents to third party authoritative institution, and receives the
Tripartite authoritative institution is signed documents based on described first second for being digitally signed and being returned afterwards that sign documents；Send the second label
File is affixed one's name to contract responder, and receipt of contract responder signs documents to be digitally signed based on described second and be returned afterwards
Third signs documents；Sign documents the final contract to be formed between contract initiator and contract responder according to third.
Due in the prior art, having gathered the generating means of the file of the financial product of different financial institution, user with
Financial institution reach an agreement electronic contract to be signed when, process is cumbersome, make electronic contract each side development cost and docking cost
It is higher.
The present invention provides above-mentioned solution, while forming effective chain of evidence, reduce electronic contract signing side and
Docking between third party authoritative institution simplifies electron contract process, reduces the development cost of electron contract and right
It is connected into this.
The embodiment of the present invention proposes a kind of generation method of contract documents, as shown in Figure 1, method includes the following steps:
Step S10, the first identifier information of acquisition contract initiator and its corresponding electronic contract；
The first identifier information of contract initiator is that may be used to indicate that contract initiator's identity information, including identity card, sound
Line, fingerprint, face image etc..Contract initiator concretely pass through file generating means application loan loaning bill side, first
Electronic contract corresponding to identification information can be specially to carry out loan application in contract initiator in the generating means of file and examine
It criticizes and is formed by electronic contract after passing through.The identification information conduct of user can be extracted from the loan application information of contract initiator
First standard logo information simultaneously stores in the generating means of file, and electronic contract can be formed and stored in text after examination & approval pass through
In the generating means of part and with the first standard logo information association, after the first identifier information for obtaining contract initiator, when depositing
Match matching the first standard logo information can by matched first standard logo acquisition of information to think, contract hair
Play the electronic contract of side.In addition, also the Identity Association of the first standard logo information and contract initiator can be passed through first identifier
After the identity of validation of information contract initiator, corresponding electronic contract is generated according to its identity.
After obtaining electronic contract, electronic contract can be shown to contract initiator, and receiving contract initiator
Confirmation message after execute step S20 again.
Step S20 obtains the first digital certificate from third party authoritative institution according to the first identifier information；
Third party authoritative institution is specially the offer mechanism of digital certificate, can be notarized for provided digital certificate
And there is legal effect.The first agreement, third party's power can be pre-established between third party authoritative institution and the generating means of file
Prestige mechanism carries out encryption when the digital certificate for the generating means for receiving file claims request for first identifier information and generates number
Word certificate.Wherein, the first presupposed information (such as specific character, specific password string or specific can be defined in the first agreement
Field etc.) mark requested is claimed as digital certificate, third party authoritative institution shows institute when receiving the first presupposed information
Received content is that digital certificate claims request.
The generating means of file, can be by the first mark of contract initiator after the first identifier information for obtaining contract initiator
Know information and the first presupposed information forms digital certificate application request Concurrency and send to third party authoritative institution.Third party authoritative institution
After receiving digital certificate application request, the first presupposed information is recognized whether, and if it exists, then extract digital certificate application and ask
First identifier information in asking, and the first digital certificate is generated for first identifier information.After first digital certificate generates, third party
First digital certificate can be back to the generating means of file by authoritative institution.Wherein, third party authoritative institution can be in the first number
After certificates constructing by the characteristic information (such as certificate number) of the first identifier information of contract initiator and the first digital certificate into
Row associated storage.
Step S30 is digitally signed the electronic contract using first digital certificate, obtains the first signature text
Part；
The generating means of file receive after the first digital certificate can be by the first of the first digital certificate and contract initiator
Identification information is associated, and in order to use its first digital certificate according to first identifier information after contract initiator, is used
Make the signature of other electronic documents.
Third authoritative institution, which returns, can specifically wrap the first public key and the first private key in the first digital certificate, the first private key is used
It is digitally signed in electronic contract, the first public key represents the signature of contract initiator's identity for verifying in follow-up process
Information.
When the generating means of file are digitally signed electronic contract using the first private key, first password sequence is generated
Column, first password sequence form first with electronic contract and sign documents.In addition, can also be used the first private key to electronic contract and
The first identifier information of contract initiator, which is digitally signed, to be formed first and signs documents, and makes first to sign documents, can be further
Ensure the validity of electronic contract.
Step S40 sends described first and signs documents to the third party authoritative institution, and receives the third party authority
Mechanism is signed documents based on described first second for being digitally signed and being returned afterwards that sign documents；
Second protocol can be pre-established between third party authoritative institution and the generating means of file, third party authoritative institution exists
To the private to sign documents using third party authoritative institution in notarization request when receiving the notarization request of the generating means of file
Key is digitally signed, to notarize to the content in signing documents.Wherein, the second default letter can be defined in second protocol
Cease the mark of (such as specific character, specific password string or specific field) as notarization request, third party authoritative institution
When receiving the second presupposed information, show the received content of institute for notarization request.
The generating means of file obtain first sign documents after, first is signed documents and is formed together with the second presupposed information
Notarization request Concurrency is sent to third party authoritative institution.After third party authoritative institution receives notarization request, the is recognized whether
Two presupposed informations, and if it exists, first then extracted in notarization request signs documents, and uses the private key pair of third party authoritative institution
First, which signs documents, is digitally signed, and generates third keying sequence, and third keying sequence and first signs documents to form second
It signs documents.
Step S50 sends described second and signs documents to contract responder, and receives the contract responder based on described
Second third for being digitally signed and being returned afterwards that signs documents signs documents；
The generating means of file are after receive that third party authoritative institution returned second signs documents, by the second signature
File is sent to contract responder.Wherein, contract responder can based on contract initiator the first standard logo information carry out it is true
It is fixed.Contract initiator carry out loan application and the provider of its loan product after the approval, by mentioning for the loan product
The first standard logo information of supplier and contract initiator are associated, and the provider of loan product is as contract responder.
Third agreement can be pre-established between third party authoritative institution and contract responder, contract responder is receiving text
When the contracts of the generating means of part signs request to the private key to sign documents using contract responder in contract signature request into
Row digital signature, to confirm to the content in signing documents.Wherein, third presupposed information can be defined in third agreement
The mark of (such as specific character, specific password string or specific field) as contract signature request, contract responder exist
When receiving third presupposed information, show that the received content of institute is contract signature request.
Contract responder recognizes whether that third is default after the contract signature request for the generating means for receiving file
Information, and if it exists, then extract second signing documents in contract signature request, and using the private key of third party authoritative institution to the
Two, which sign documents, is digitally signed, and generates the 4th keying sequence, and the 4th keying sequence and second signs documents to form third label
Affix one's name to file.It should be noted that the digital certificate that contract responder is used to be digitally signed is mentioned by third party authoritative institution
The digital certificate with legal effect supplied, each financial institution is using this digital certificate in the related text of its different e commerce transactions
Part is signed, without claiming again when signing the electronic contract in the application.
Step S60, being signed documents according to the third, it is final between the contract initiator and contract responder to be formed
Contract.
The generating means of file, can be directly as final contract with contract initiator's after receiving third and signing documents
First standard logo information is associated storage, forms final contract again with contract initiator's after can also convert into preset format
First standard logo information is associated storage.
In embodiments of the present invention, a kind of generation method of contract documents, by claiming digital certificate for contract initiator
Stamped signature is carried out to electronic contract, contract initiator uses institute without voluntarily finding third party authoritative institution and claiming digital certificate
Electronic contract after the digital certificate stamped signature of application is sent to third party authoritative institution stamped signature and notarizes to electronic contract content,
Contract signing Fang Jun is without docking the validity that can guarantee electronic contract content with third party authoritative institution, after notarization
Electronic contract is sent to contract responder, then the electronic contract obtained after contract responder's stamped signature forms final contract, entire electricity
While the signature process of sub- contract can form effective chain of evidence, reduce electronic contract signing side and third party authoritative institution it
Between docking, simplify electron contract process, reduce electron contract development cost and docking cost.
Specifically, as shown in Fig. 2, first identifier information and its corresponding electronic contract of the acquisition contract initiator
Step includes:
Step S11 obtains the first identifier information of the contract initiator；
Step S12 determines the contract responder and corresponding loan approval results according to the first identifier information；
Step S13 obtains the corresponding contract template of the contract responder；
Step S14 generates the electronic contract according to the contract template and the loan approval results.
After financial institution passes through the loan application examination & approval of loaning bill side, the generation of loan approval results to file can be fed back
Device, loan approval results may particularly include: information, the amount of the loan, length of maturity of borrower etc..The generating means of file exist
The loan approval results of loaning bill side are received, and the loan application of determining borrower is examined after passing through, it can be by the first of loaning bill side
The loan approval results that identification information and financial institution and financial institution are fed back are associated storage, and loaning bill side is sent out here
As contract initiator when contract conclusion is requested out, financial structure is as contract responder corresponding with loaning bill side.
Information informing loaning bill side, loaning bill side can be transmitted after receiving the result that loan application examination & approval pass through in the generating means of file
The generating means that can be used as contract initiator's log file issue contract conclusion request.The generating means of file are receiving contract
When the contract conclusion request of initiator, the first identifier information of contract initiator can be obtained, and determine according to first identifier information
The loan approval results of contract responder and contract initiator corresponding to contract initiator.
The generating means of file can customize corresponding contract mould previously according to its demand for the different financial institution of its cooperation
Plate is simultaneously stored.After determining contract responder, corresponding contract template can be obtained.The information extracted in loan approval results is filled out
Enter corresponding position in contract template, forms electronic contract to be signed.
By above- mentioned information, during the signature of electronic contract, the first identifier information of contract initiator is got
Corresponding electronic contract is generated, the formulation electronic contract before contract initiator determines its demand for loan is avoided to occupy unnecessary deposit
Store up resource.In addition, by setting contract template, it can be after the first identifier information for obtaining contract initiator, rapid abutting joint to phase
The electronic contract answered.
Specifically, as shown in figure 3, first identifier information and its corresponding electronic contract of the acquisition contract initiator
After step, further includes:
Step S15 obtains the identity of the contract initiator；
Step S16 obtains corresponding first standard logo information according to the identity of the contract initiator；
Step S17, compares the first identifier information and whether the first standard logo information is consistent；
Step S18, if comparison result be it is consistent, execute and described determine that the contract is rung according to the first identifier information
Ying Fang and the step of corresponding loan approval results.
The information such as electronic contract, loan approval results can be also associated with identity such as the accounts of contract initiator.
Contract initiator can pass through the generating means of the log files such as its account, password.The generating means of file can will be initiated in contract
It is submitted before side and obtains its identification information when loan application as the first standard logo information and be associated with its account, account
Etc. the identity that can be used for identifying contract initiator.First standard logo information corresponding to the identity of acquisition contract initiator, will
The first identifier information of acquisition is compared with the first standard logo information, compares the identity that unanimously then can be shown that contract initiator
It is consistent with the identity of the account, the step of contracts signatures such as subsequent step 20 is just executed when identity is consistent, if comparison is inconsistent,
The identity of the identity for then showing contract initiator and the account is inconsistent, I operates corresponding to non-account, without subsequent
Contract signature.
By the above-mentioned means, can avoid the case where carrying out loan agreement signature using other people accounts, guarantee signed electricity
The accuracy of sub- contract, contract of guarantee sign the interests of each side, improve the reliability of electron contract.
Specifically, as shown in figure 4, described be digitally signed the electronic contract using first digital certificate,
Obtaining for first the step of signing documents includes:
Step S31 identifies the fisrt feature field in the electronic contract；
The first identifier information is added to the corresponding first object region of the fisrt feature field by step S32；
Step S33, using the private key in first digital certificate to the electronic contract comprising the first identifier information
Hash calculation is carried out, first password sequence is obtained；
The first password sequence is added to the electronic contract comprising the first identifier information, obtained by step S34
It signs documents to described first.
When signing a contract, in addition to use the first digital certificate generate digital signature represent the identity of contract initiator with
Outside, the identification information of the contract initiator to sign a contract can be added, on electronic contract also in order to subsequent validity of treaty
Retrospect.Specifically, the fisrt feature field for representing contract initiator mark can be arranged in each electronic contract template, such as " close
Identified with initiator " etc..Fisrt feature field can be correspondingly arranged on first object region, for placing the mark of contract initiator
Information.
When being digitally signed to electronic contract, the fisrt feature field in electronic contract can recognize, determine the first spy
The corresponding first object region of field is levied, the first identifier information for the contract initiator that will acquire is added to first object region,
Make in electronic contract comprising first identifier information.Using the private key in the first digital certificate to the electricity for including first identifier information
Sub- contract carries out Hash calculation, obtains first password sequence, first password sequence is added to the electricity comprising first identifier information
Sub- contract obtains first and signs documents.
Specifically, as shown in figure 5, described sign documents to form the contract initiator and contract response according to the third
Before the step of final contract between side, further includes:
Step S51 obtains the public key with private key pairing；
Step S52, using the public key to the third sign documents in include the first identifier information electronics
Contract carries out Hash calculation, obtains the second keying sequence；
Step S53, compares the first password sequence and whether second keying sequence is consistent；
Step S54 is executed when the first password sequence is consistent with second keying sequence according to the third label
The step of administration's file forms the final contract between the contract initiator and contract responder.
Third specifically includes the above-mentioned electronic contract comprising first identifier information, first password sequence, in signing documents
Three keying sequences and the 4th keying sequence etc..First password sequence represents signature of the contract initiator to electronic contract, third
Keying sequence represents signature of the third party authoritative institution to electronic contract, and the 4th keying sequence represents contract responder and closes to electronics
Same signature.
After receiving third and signing documents, the public key in the first digital certificate is can be used to first in the generating means of file
Keying sequence is verified.Wherein, it also may not include public key in the first digital certificate, when needing to verify, the generation of file is filled
It sets and is just obtained to third party authoritative institution request.If being verified, show electronic contract during signature without repairing
Change, can be signed documents to form final contract according to third.Specifically, using public key to third sign documents in comprising first identifier
The electronic contract of information carries out Hash calculation, obtains the second keying sequence, first password sequence is compared with the second password
See it is whether consistent, if first password sequence is consistent with the second keying sequence, third sign documents on first password sequence test
Card passes through, executable to be signed documents to form final contract according to third.
By the above-mentioned means, by signing documents the verifying of middle first password sequence to third being conducive to that electronics is avoided to close
It is modified with during transmission, signature, to guarantee the validity of electronic contract, guarantees the benefit of electron contract each side
Benefit.
Further, described to hold as shown in fig. 6, when the first password sequence is consistent with second keying sequence
Row signed documents according to the third the final contract to be formed between the contract initiator and contract responder the step of before,
Further include:
Step S531, identify the third sign documents in second feature field；
Step S532 extracts the of the contract responder in corresponding second target area of the second feature field
Two identification informations；
Step S533 obtains the corresponding second standard logo information of the contract responder；
Step S534, compares the second identifier information and whether the second standard logo information is consistent；
Step S535, if comparison result be it is consistent, execute and described signed documents to form the contract according to the third
The step of final contract between initiator and contract responder.
When contract responder signs documents to second and is digitally signed, first with addition contract initiator can be used
The second identifier information of contract responder is added to second and signed documents by the same mode of identification information, then to including second
The second of identification information, which signs documents, to be digitally signed to obtain third and signs documents.
The financial institution (i.e. potential contract responder) for the offer financial product that the generating means of file are cooperated can incite somebody to action
Its identification information (such as official seal pattern, organization names) is provided to the generating means of file.The generating means of file are by different gold
The identification information and financial institution's associated storage for melting mechanism form the second standard logo information.It is received in the generating means of file
When third signs documents, the second identifier information for the middle extraction contract responder that can sign documents from third, and obtain the second standard
Identification information compares with it, when comparison result is consistent, just is signed documents to form final contract according to third.Pass through above-mentioned side
Formula passes through a variety of verifyings, it is ensured that the retrospect of the validity for the electronic contract signed.
Specifically, as shown in fig. 7, described sign documents to form the contract initiator and contract response according to the third
The step of final contract between side includes:
Step S61, is retrieved as the contract initiator and the contract responder provides the contract file that signature services
Second digital certificate of generating means；
Step S62 signs documents to the third using second digital certificate and is digitally signed, and the 4th label are obtained
Affix one's name to file；
Step S63 signs documents the described 4th and generates pdf document, forms the contract initiator and contract responder
Between final contract.
The generating means of file itself can also claim a digital certificate, i.e., the second above-mentioned number to third party authoritative institution
Word certificate.It is signed documents and is digitally signed to third using the private key in the second digital certificate, obtained the 4th and sign documents, the
Four, which sign documents, is stored after producible pdf document, is signed most as between contract initiator and contract responder
Whole contract.
It can be signed by providing between contract initiator and contract responder by the signature of the generating means in file
The notarization of electronic contract guarantees the validity of electronic contract；Further, since the generating means of file are as connection contract initiator
With the intermediary agency of contract responder, clause relevant to the generating means of file can be added in electronic contract, to guarantee
The validity of electronic contract.
In addition, the embodiment of the present invention also proposes that a kind of generating means of file, the generating means of the file include:
User profile acquisition module, for obtain contract initiator first identifier information and its corresponding electronic contract；
Certificate claims module, demonstrate,proves for obtaining the first number from third party authoritative institution according to the first identifier information
Book；
Stamped signature module obtains first for being digitally signed using first digital certificate to the electronic contract
It signs documents；
First transmission module signs documents for sending described first to the third party authoritative institution, and described in reception
Third party authoritative institution is signed documents based on described first second for being digitally signed and being returned afterwards that sign documents；
Second transmission module signs documents for sending described second to contract responder, and receives the contract response
Side is signed documents based on described second third for being digitally signed and being returned afterwards that signs documents；
Contract generation module, for signed documents according to the third to be formed the contract initiator and contract responder it
Between final contract.
The specific embodiment of each module and the generation method of said contract file are each in the generating means of file of the present invention
Embodiment is essentially identical, and details are not described herein.
In addition, as shown in figure 8, the embodiment of the present invention also proposes a kind of generating device of contract documents, the contract documents
Generating device include: processor 1001, such as CPU, network interface 1002, user interface 1003, memory 1004, communication is total
Line.Wherein, communication bus is for realizing the connection communication between these components.User interface 1003 may include display screen
(Display), input unit such as keyboard (Keyboard), optional user interface 1003 can also include that the wired of standard connects
Mouth, wireless interface.Network interface 1002 optionally may include standard wireline interface and wireless interface (such as WI-FI interface).It deposits
Reservoir 1004 can be high speed RAM memory, be also possible to stable memory (non-volatile memory), such as magnetic
Disk storage.Memory 1004 optionally can also be the storage device independently of aforementioned processor 1001.
It will be understood by those skilled in the art that device structure shown in Fig. 8 does not constitute the restriction to equipment, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in figure 8, as may include that operating system, network are logical in a kind of memory 1004 of computer storage medium
Believe module, the generation program of Subscriber Interface Module SIM and contract documents.
In equipment shown in Fig. 8, network interface 1002 is mainly used for connecting background server, carries out with background server
Data communication；User interface 1003 is mainly used for connecting client (user terminal), carries out data communication with client；And processor
1001 can be used for calling the generation program of the contract documents stored in memory 1004, and execute the generation of contract documents above
The relevant operation of step in method
The specific embodiment of the generating device of contract documents of the present invention and the generation method of said contract file are respectively implemented
Example is essentially identical, and details are not described herein.
In addition, the embodiment of the present invention also proposes a kind of readable storage medium storing program for executing, contract is stored on the readable storage medium storing program for executing
The generation program of file realizes the conjunction as referred in above example when the generation program of the contract documents is executed by processor
With file generation method the step of.
The basic phase of each embodiment of generation method of readable storage medium storing program for executing specific embodiment of the present invention and said contract file
Together, details are not described herein.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of generation method of contract documents, which is characterized in that the generation methods of the contract documents the following steps are included:
The first identifier information of acquisition contract initiator and its corresponding electronic contract；
The first digital certificate is obtained from third party authoritative institution according to the first identifier information；
The electronic contract is digitally signed using first digital certificate, first is obtained and signs documents；
It sends described first to sign documents to the third party authoritative institution, and receives the third party authoritative institution based on described
First, which signs documents, is digitally signed second returned afterwards and signs documents；
It sends described second to sign documents to contract responder, and receives the contract responder and sign documents based on described second
The third returned afterwards is digitally signed to sign documents；
Sign documents the final contract to be formed between the contract initiator and contract responder according to the third.
2. the generation method of contract documents as described in claim 1, which is characterized in that the first of the acquisition contract initiator
The step of identification information and its corresponding electronic contract includes:
Obtain the first identifier information of the contract initiator；
The contract responder and corresponding loan approval results are determined according to the first identifier information；
Obtain the corresponding contract template of the contract responder；
The electronic contract is generated according to the contract template and the loan approval results.
3. the generation method of contract documents as claimed in claim 2, which is characterized in that the first of the acquisition contract initiator
After the step of identification information and its corresponding electronic contract, further includes:
Obtain the identity of the contract initiator；
Corresponding first standard logo information is obtained according to the identity of the contract initiator；
It compares the first identifier information and whether the first standard logo information is consistent；
If comparison result be it is consistent, execute and described the contract responder and correspondence determined according to the first identifier information
Loan approval results the step of.
4. the generation method of contract documents as claimed in claim 3, which is characterized in that described to use first digital certificate
The electronic contract is digitally signed, obtaining for first the step of signing documents includes:
Identify the fisrt feature field in the electronic contract；
The first identifier information is added to the corresponding first object region of the fisrt feature field；
Hash calculation is carried out to the electronic contract comprising the first identifier information using the private key in first digital certificate,
Obtain first password sequence；
The first password sequence is added to the electronic contract comprising the first identifier information, obtains first label
Affix one's name to file.
5. the generation method of contract documents as claimed in claim 4, which is characterized in that described to be signed documents according to the third
Before the step of forming the final contract between the contract initiator and contract responder, further includes:
Obtain the public key with private key pairing；
Using the public key to the third sign documents in include the first identifier information electronic contract carry out Hash
It calculates, obtains the second keying sequence；
It compares the first password sequence and whether second keying sequence is consistent；
When the first password sequence is consistent with second keying sequence, execution signs documents to form institute according to the third
The step of stating the final contract between contract initiator and contract responder.
6. the generation method of contract documents as claimed in claim 5, which is characterized in that when the first password sequence with it is described
When second keying sequence is consistent, the execution signs documents to form the contract initiator and contract responder according to the third
Between final contract the step of before, further includes:
Identify the third sign documents in second feature field；
The second identifier information of the contract responder is extracted in corresponding second target area of the second feature field；
Obtain the corresponding second standard logo information of the contract responder；
It compares the second identifier information and whether the second standard logo information is consistent；
If comparison result be it is consistent, described sign documents according to the third is executed to form the contract initiator and contract and ring
The step of final contract between the side of answering.
7. the generation method of contract documents as claimed in claim 6, which is characterized in that described to be signed documents according to the third
The step of final contract formed between the contract initiator and contract responder includes:
Be retrieved as the contract initiator and the contract responder provide contract signature service file generating means the
Two digital certificates；
It is signed documents and is digitally signed to the third using second digital certificate, obtained the 4th and sign documents；
Described 4th is signed documents and generates pdf document, forms the final conjunction between the contract initiator and contract responder
Together.
8. a kind of generating means of file, which is characterized in that the generating means of the file include:
User profile acquisition module, for obtain contract initiator first identifier information and its corresponding electronic contract；
Certificate claims module, for obtaining the first digital certificate from third party authoritative institution according to the first identifier information；
Stamped signature module obtains the first signature for being digitally signed using first digital certificate to the electronic contract
File；
First transmission module signs documents to the third party authoritative institution for sending described first, and receives the third
Square authoritative institution is signed documents based on described first second for being digitally signed and being returned afterwards that sign documents；
Second transmission module signs documents to contract responder for sending described second, and receives the contract responder base
It signs documents in described second third for being digitally signed and being returned afterwards that signs documents；
Contract generation module to be formed between the contract initiator and contract responder for being signed documents according to the third
Final contract.
9. a kind of generating device of contract documents, which is characterized in that the generating device of the contract documents includes: memory, place
Reason device and the generation program for being stored in the contract documents that can be run on the memory and on the processor, the contract text
The generation of the contract documents as described in any one of claims 1 to 7 is realized when the generation program of part is executed by the processor
The step of method.
10. a kind of readable storage medium storing program for executing, which is characterized in that be stored with the generation journey of contract documents on the readable storage medium storing program for executing
Sequence realizes the contract text as described in any one of claims 1 to 7 when the generation program of the contract documents is executed by processor
The step of generation method of part.
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| CN201811138156.0A CN109658041B (en) | 2018-09-28 | 2018-09-28 | File generation device, file generation method, file generation device, and readable storage medium |
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| CN201811138156.0A CN109658041B (en) | 2018-09-28 | 2018-09-28 | File generation device, file generation method, file generation device, and readable storage medium |
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| CN109658041B (en) | 2023-07-28 |
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