TWI860559B - Smart system and method for customizing trust in real time - Google Patents
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Abstract
Description
本發明係關於一種用於錄製並上傳具法律效力之音檔的智能系統,特別是關於一種即時自訂信託之智能系統及方法。 The present invention relates to an intelligent system for recording and uploading audio files with legal effect, and in particular to an intelligent system and method for instant customized trust.
所謂信託,指委託人將財產權移轉或為其他處分,使受託人依信託本旨,為受益人之利益或為特定之目的,管理或處分信託財產之關係。一般來說,信託應以契約或遺囑為之。 A trust is a relationship in which the principal transfers or otherwise disposes of the property rights, and the trustee manages or disposes of the trust property in accordance with the purpose of the trust for the benefit of the beneficiary or for a specific purpose. Generally speaking, a trust should be made in the form of a contract or a will.
以現行信託業務來說,通常需要委託人與專業人員現場辦理。對於高齡人士來說,可能因行動不便而不願主動前往分行,而信託業務的制定往往需要一定的時間確認,很難一次完成,故對人力產生沉重的負擔。 For current trust business, it is usually necessary for the client and professionals to handle it on site. For the elderly, they may be reluctant to go to the branch due to mobility problems, and the formulation of trust business often requires a certain amount of time to confirm, and it is difficult to complete it in one go, so it places a heavy burden on manpower.
鑒於上述,本發明提供一種即時自訂信託之智能系統及方法。 In view of the above, the present invention provides an intelligent system and method for instant customized trust.
依據本發明一實施例的即時自訂信託之智能系統,包含一伺服器及一穿戴式智能裝置,兩者訊號連接於彼此。伺服器用於將一智能合約發布於一區塊鏈的第一節點上。穿戴式智能裝置包含通訊單元、錄音單元、身分驗證模組,以及處理控制單元。通訊單元用於從第 一節點取得所述智能合約,並產生一觸發訊號。錄音單元用於受所述觸發訊號觸發以取得委託方的第一語音。身分驗證模組用於對該委託方執行一身分驗證。處理控制單元用於將所述身分驗證的一結果和/或該第一語音上傳至所述區塊鏈的一第二節點。當所述身分驗證的結果指示通過時,所述伺服器更用於從第二節點存取第一語音並根據第一語音更新所述智能合約,並將更新的智能合約上傳至區塊鏈的一第三節點;當身分驗證的結果指示不通過時,所述伺服器更用於從所述第二節點存取所述身分驗證的結果並根據此結果產生一可疑訊息,並將所述可疑訊息上傳至所述第三節點。 According to an embodiment of the present invention, a smart system for instant customized trust includes a server and a wearable smart device, which are signal-connected to each other. The server is used to publish a smart contract on a first node of a blockchain. The wearable smart device includes a communication unit, a recording unit, an identity verification module, and a processing control unit. The communication unit is used to obtain the smart contract from the first node and generate a trigger signal. The recording unit is used to be triggered by the trigger signal to obtain the first voice of the client. The identity verification module is used to perform an identity verification on the client. The processing control unit is used to upload a result of the identity verification and/or the first voice to a second node of the blockchain. When the result of the identity verification indicates a pass, the server is further used to access the first voice from the second node and update the smart contract according to the first voice, and upload the updated smart contract to a third node of the blockchain; when the result of the identity verification indicates a fail, the server is further used to access the result of the identity verification from the second node and generate a suspicious message according to the result, and upload the suspicious message to the third node.
依據本發明一實施例的即時自訂信託之方法,包含以一伺服器發布一智能合約於一區塊鏈的第一節點上;以委託方的穿戴式智能裝置的通訊單元接收所述智能合約並產生一觸發訊號;以受觸發訊號觸發的穿戴式智能裝置的錄音單元取得來自委託方的一第一語音;以穿戴式智能裝置的一身分驗證模組對委託方執行一身分驗證;當所述身分驗證的結果指示通過時,以穿戴式智能裝置的一處理控制單元將第一語音上傳至區塊鏈的一第二節點,且以伺服器從第二節點存該第一語音並根據第一語音更新所述智能合約,並將更新的該智能合約上傳至所述區塊鏈的一第三節點;當所述身分驗證的結果指示不通過時,以處理控制單元將身分驗證的結果上傳至第二節點,且以伺服器從第二節點存取所述身分驗證的結果並根據此結果產生一可疑訊息,並將所述可疑訊息上傳至所述第三節點。 According to an embodiment of the present invention, a method for instant customized trust includes publishing a smart contract on a first node of a blockchain by a server; receiving the smart contract by a communication unit of a wearable smart device of a client and generating a trigger signal; obtaining a first voice from the client by a recording unit of the wearable smart device triggered by the trigger signal; performing an identity verification on the client by an identity verification module of the wearable smart device; and when the result of the identity verification indicates a pass, performing an identity verification on the client by a processing control module of the wearable smart device. The control unit uploads the first voice to a second node of the blockchain, and the server stores the first voice from the second node and updates the smart contract according to the first voice, and uploads the updated smart contract to a third node of the blockchain; when the result of the identity verification indicates failure, the processing control unit uploads the result of the identity verification to the second node, and the server accesses the result of the identity verification from the second node and generates a suspicious message according to the result, and uploads the suspicious message to the third node.
藉由上述結構,本案所揭示的即時自訂信託之智能系統及方法,可透過區塊鏈作為委託方與受託方之間的加密訊息橋梁,記錄信託在訂定過程中的所有合約修改資訊及身分驗證資訊。基於區塊鏈的特性,本系統更可保留所有修改紀錄,確保信託內容被加密儲存、不易被修改,且可進行追溯記錄,以保障委託方、受託方及受益方的三方權益,同時在此過程中無須派遣專人到府進行信託服務,可節省人力資源。 Through the above structure, the intelligent system and method for instant customized trust disclosed in this case can use blockchain as an encrypted information bridge between the principal and the trustee to record all contract modification information and identity verification information during the trust establishment process. Based on the characteristics of blockchain, this system can retain all modification records to ensure that the trust content is encrypted and stored, not easily modified, and can be traced back to protect the rights and interests of the principal, the trustee and the beneficiary. At the same time, there is no need to send a dedicated person to provide trust services in the process, which can save human resources.
以上之關於本揭露內容之說明及以下之實施方式之說明係用以示範與解釋本發明之精神與原理,並且提供本發明之專利申請範圍更進一步之解釋。 The above description of the disclosed content and the following description of the implementation method are used to demonstrate and explain the spirit and principle of the present invention, and provide a further explanation of the scope of the patent application of the present invention.
1:即時自訂信託智能系統 1: Real-time custom trust intelligent system
10:穿戴式智能裝置 10: Wearable smart devices
11:通訊單元 11: Communication unit
12:錄音單元 12: Recording unit
13:身分驗證模組 13: Identity verification module
14:處理控制單元 14: Processing control unit
130:聲紋辨識單元 130: Voiceprint recognition unit
131:生理感測單元 131: Physiological sensing unit
132:測謊判斷單元 132: Lie Detection Unit
133:定位追蹤單元 133: Positioning and tracking unit
20:伺服器 20: Server
BC:區塊鏈 BC: Blockchain
N1:第一節點 N1: First node
N2:第二節點 N2: Second node
N3:第三節點 N3: The third node
S10~S18,S140~S145:步驟 S10~S18,S140~S145: Steps
圖1係依據本發明一實施例的一實施態樣所繪示的即時自訂信託智能系統的方塊圖。 Figure 1 is a block diagram of a real-time customized trust intelligent system according to an implementation of an embodiment of the present invention.
圖2係依據本發明一實施例的另一實施態樣所繪示的即時自訂信託智能系統的應用示意圖。 Figure 2 is a schematic diagram of the application of a real-time customized trust intelligent system according to another embodiment of the present invention.
圖3係依據本發明一實施例所繪示的即時自訂信託方法的流程圖。 Figure 3 is a flow chart of a real-time customized trust method according to an embodiment of the present invention.
圖4係依據本發明另一實施例所繪示的即時自訂信託智能系統的身分驗證模組的方塊圖。 FIG4 is a block diagram of an identity verification module of a real-time customized trust intelligent system according to another embodiment of the present invention.
圖5係依據本發明另一實施例所繪示的即時自訂信託方法的流程圖。 Figure 5 is a flow chart of a real-time customized trust method according to another embodiment of the present invention.
圖6係依據本發明又一實施例所繪示的即時自訂信託方法的流程圖。 FIG6 is a flow chart of a method for instant customized trust according to another embodiment of the present invention.
圖7係依據本發明又一實施例所繪示的即時自訂信託智能系統的使用情境示意圖。 Figure 7 is a schematic diagram of the use scenario of the real-time customized trust intelligent system according to another embodiment of the present invention.
圖8係依據本發明再一實施例所繪示的即時自訂信託方法的流程圖。 FIG8 is a flow chart of a method for instant customized trust according to another embodiment of the present invention.
圖9係依據本發明又另一實施例所繪示的即時自訂信託方法的流程圖。 FIG9 is a flow chart of a method for instant customized trust according to another embodiment of the present invention.
圖10係依據本發明又再一實施例所繪示的即時自訂信託方法的流程圖。 FIG10 is a flow chart of a method for instant customized trust according to yet another embodiment of the present invention.
以下在實施方式中詳細敘述本發明之詳細特徵以及優點,其內容足以使任何熟習相關技藝者了解本發明之技術內容並據以實施,且根據本說明書所揭露之內容、申請專利範圍及圖式,任何熟習相關技藝者可輕易地理解本發明相關之目的及優點。以下之實施例係進一步詳細說明本發明之觀點,但非以任何觀點限制本發明之範疇。 The detailed features and advantages of the present invention are described in detail in the following implementation method. The content is sufficient for anyone familiar with the relevant technology to understand the technical content of the present invention and implement it accordingly. According to the content disclosed in this specification, the scope of the patent application and the drawings, anyone familiar with the relevant technology can easily understand the relevant purposes and advantages of the present invention. The following embodiments are to further illustrate the viewpoints of the present invention, but do not limit the scope of the present invention by any viewpoint.
請參考圖1,圖1係依據本發明一實施例的一實施態樣所繪示的即時自訂信託智能系統的方塊圖。如圖1所示,即時自訂信託智能系統1包含穿戴式智能裝置10及伺服器20,兩者訊號連接於彼此。伺服器20用於將一智能合約發布於區塊鏈BC的第一節點N1上。穿戴式智能裝置10包含通訊單元11、錄音單元12、身分驗證模組13,以及處理控制單元14。通訊單元11用於從第一節點N1取得所述智能合約,並產生一觸
發訊號。錄音單元12用於受所述觸發訊號觸發以取得委託方的第一語音。身分驗證模組13用於對該委託方執行一身分驗證。當所述身分驗證的結果指示通過時,處理控制單元14將所述第一語音上傳至區塊鏈BC的第二節點N2,伺服器20可受處理控制單元14傳訊觸發而從第二節點N2存取第一語音並根據第一語音更新所述智能合約,並將更新的智能合約上傳至區塊鏈BC的第三節點N3。
Please refer to FIG. 1, which is a block diagram of a real-time customized trust smart system according to an embodiment of the present invention. As shown in FIG. 1, the real-time customized trust
請參考圖2,圖2係依據本發明一實施例的另一實施態樣所繪示的即時自訂信託智能系統的應用示意圖。如圖2所示,即時自訂信託智能系統1的穿戴式智能裝置10及伺服器20的連接關係與圖1相同,且同樣可對區塊鏈BC的節點(N1、N2、N3等)進行上傳或存取資料的動作,在此不贅述。承接圖1描述,當所述身分驗證的結果指示不通過時,伺服器20可受處理控制單元14傳訊觸發從第二節點N2存取所述身分驗證的結果並根據此結果產生一可疑訊息,並將所述可疑訊息上傳至第三節點N3。
Please refer to FIG. 2, which is a schematic diagram of an application of a real-time customized trust smart system according to another embodiment of the present invention. As shown in FIG. 2, the connection relationship between the wearable
在本例中,穿戴式智能裝置10可例如為智能手錶、智能手環、智能項鏈或智慧型手機等,且具有能夠實現通訊功能的通訊單元11如天線單元,能夠透過利用壓電材料將空氣振動轉為電訊號來實現錄音功能的錄音單元12,能夠利用內存的驗證資料(如帳號及密碼)對委託方的身分進行驗證的身分驗證模組13,能夠進行各種運算及控制的處理控制單元14如微控制器或微處理器。此外,伺服器20可為設置在銀行端的能夠連線上網的運算裝置如電腦設備。
In this example, the wearable
請結合圖1及圖2參考圖3,圖3係依據本發明一實施例所繪示的即時自訂信託方法的流程圖。如圖3所示,即時自訂信託之方法包含步驟S10至步驟S18,分別為步驟S10:以伺服器20發布一智能合約於區塊鏈BC的第一節點N1;步驟S11:以委託方的穿戴式智能裝置10的通訊單元11從第一節點N1取得智能合約並產生一觸發訊號;步驟S12:以受觸發訊號觸發的穿戴式智能裝置10的錄音單元12取得來自委託方的一第一語音;步驟S13:以穿戴式智能裝置10的身分驗證模組13對委託方執行一身分驗證;步驟S14:判斷所述身分驗證的結果是否指示通過,若通過則執行步驟S15及步驟S16,否則執行步驟S17及步驟S18;步驟S15:當所述身分驗證的結果指示通過時,以穿戴式智能裝置10的處理控制單元14將第一語音上傳至區塊鏈BC的一第二節點N2,且以伺服器20從第二節點N2存取第一語音並根據第一語音更新智能合約;步驟S16:伺服器20將更新的智能合約上傳至區塊鏈BC的第三節點N3;步驟S17:當身分驗證的結果指示不通過時,以處理控制單元14將身分驗證的結果上傳至第二節點N2,且以伺服器20從第二節點N2存取身分驗證的結果並根據此結果產生一可疑訊息;步驟S18:伺服器20將此可疑訊息上傳至該第三節點。
Please refer to FIG. 3 in conjunction with FIG. 1 and FIG. 2. FIG. 3 is a flow chart of a method for instant customized trust according to an embodiment of the present invention. As shown in FIG. 3, the method for instant customized trust includes steps S10 to S18, which are respectively step S10: using the
以下以一委託人欲使用穿戴式智能裝置10向銀行方(伺服器20)訂定信託為例。信託的種類繁多,如金錢信託、保險金信託、證券信託、公益信託及遺囑信託等,在此以遺囑信託為例以彰顯本案在訂定信託的過程中滿足高標準的資料安全性及不可竄改性,但本案不限於此。首先,委託人可透過穿戴式智能裝置10發出欲訂定遺囑信託的指令,
此指令可透過錄音單元12接收並由處理控制單元14傳向伺服器20。在步驟S10中,伺服器20可將對應的信託表格以智能合約的形式上傳至區塊鏈BC的第一節點N1上。在步驟S11中,穿戴式智能裝置10的通訊單元11可接收所述智能合約,產生一觸發訊號並傳送至錄音單元12。在步驟S12中,錄音單元12可受到該觸發訊號的觸發而透過穿戴式智能裝置10的螢幕顯示要求第一語音的訊息,或是透過喇叭以提示音的方式向委託方要求第一語音,進而取得第一語音。
The following example is a case where a client wants to use a wearable
在步驟S13中,身分驗證模組13可提出一驗證要求,例如要求委託方輸入一帳號密碼資料,以執行身分驗證。在步驟S14中,身分驗證模組13可判斷委託方是否通過身分驗證,例如委託方輸入的帳號密碼資料與預設的資料相符。在步驟S15中,通過身分驗證的訊息會傳輸至處理控制單元14,處理控制單元14可將第一語音上傳至區塊鏈BC的第二節點N2,使伺服器20能進一步存取第一語音並更新智能合約。另外,處理控制單元14也可將與身分驗證通過相關的訊息與第一語音一同上傳至區塊鏈BC的第二節點N2讓伺服器20進行額外確認。在步驟S16中,伺服器20可將更新的智能合約上傳至第三節點N3。在此,更新的智能合約可包含委託方進一步訂定的信託資訊,而上述節點(N1至N3)都記錄有資料上傳的時間資訊以保留信託訂定的完整過程。此外,委託方可透過穿戴式智能裝置10從第三節點N3取得更新的智能合約,並考慮進一步對合約內容進行修改,相關的實施方法可參考先前步驟S10至S16,在此省略重複描述。
In step S13, the
另一方面若身分驗證的結果為不通過,即在步驟S17中,處理控制單元14可將身分驗證的結果上傳至第二節點N2,使得伺服器20可從第二節點N2存取未通過的身分驗證結果,並據此產生一可疑訊息。需要注意的是,雖然身分驗證未通過,伺服器20仍然可將委託方的第一語音連同身分驗證的結果上傳至第二節點N2,本案不予以限制,只不過伺服器20會依據該身分驗證的不通過結果而拒絕更新智能合約。在步驟S18中,伺服器20可將可疑訊息上傳至第三節點N3,其中可疑訊息可為一警示訊息,且可包含所述不通過的身分驗證的結果以供將來對第二節點N2與第三節點N3的資料進行比對確認。
On the other hand, if the result of the identity verification is not passed, that is, in step S17, the
基於區塊鏈的架構,每個節點具有資料(Data)、雜湊值(Hash)以及前一節點的雜湊值(Hash of previous block),使得當每個節點上的資料(Data)被改動時,該節點的雜湊值(Hash)跟著改變,而造成下一節點的前一節點的雜湊值(Hash of previous block)無法跟當前節點對應。舉例來說,對於經上述方法產生的位於第五節點(N5)的第三版智能合約(V3)而言,如果有心人士想竄改合約內容,則會導致第五節點(N5)無法對應至第四節點(N4)的委託方的語音訊息;或是當第四節點(N4)的語音訊息被改變時,第五節點(N5)的前一節點的雜湊值會無法對應至第四節點,於是整個區塊鏈BC可能會被封鎖而無法使用。此外,區塊鏈可同時被許多使用者所共有,且被設定為改變單一資料需要耗費一定時間,種種特性使得要同時竄改區塊鏈的眾多資料變得難以達成。 Based on the blockchain architecture, each node has data, hash value, and hash value of the previous node. When the data on each node is changed, the hash value of the node changes accordingly, causing the hash value of the previous node of the next node to be unable to correspond to the current node. For example, for the third version of the smart contract (V3) located at the fifth node (N5) generated by the above method, if someone wants to tamper with the contract content, the fifth node (N5) will not be able to correspond to the voice message of the client of the fourth node (N4); or when the voice message of the fourth node (N4) is changed, the hash value of the previous node of the fifth node (N5) will not be able to correspond to the fourth node, so the entire blockchain BC may be blocked and unusable. In addition, the blockchain can be shared by many users at the same time, and it is set to take a certain amount of time to change a single data. Various characteristics make it difficult to tamper with many data on the blockchain at the same time.
除了資料傳輸的安全性之外,委託方本身提供的第一語音的可信度則是另一個議題,請參考圖4,圖4係依據本發明另一實施例
所繪示的即時自訂信託智能系統的身分驗證模組的方塊圖。在本例中,身分驗證模組13包含聲紋辨識單元130、生理感測單元131、測謊判斷單元132及定位追蹤單元133,其中聲紋辨識單元130用於對該委託方的一第二語音執行所述身分驗證的一聲紋辨識以確認委託方的身分無誤;生理感測單元131用於對委託方執行身分驗證的一脈搏檢測及一血氧檢測,以記錄委託方的一正常脈搏範圍及一正常血氧濃度範圍,且量測並判斷委託方的一脈搏值及一血氧濃度是否分別在該正常脈搏範圍及該正常血氧濃度範圍內來評估委託方的生理狀態是否正常;測謊判斷單元132用於對委託方執行所述身分驗證的一測謊檢測以辨認所述第一語音的真實程度;定位追蹤單元133用於對委託方執行所述身分驗證的一定位認證,以確認委託方是否位於一異常位置而可能在不情願的狀態下錄製第一語音訂定信託。需要注意的是,上述身分驗證模組13所包含的聲紋辨識單元130、生理感測單元131、測謊判斷單元132及定位追蹤單元133是可選擇性設置的。舉例來說,身分驗證模組13可單獨包含聲紋辨識單元130、生理感測單元131、測謊判斷單元132或定位追蹤單元133,本案不予以限制。
In addition to the security of data transmission, the credibility of the first voice provided by the client itself is another issue. Please refer to Figure 4, which is a block diagram of the identity verification module of the real-time customized trust intelligent system according to another embodiment of the present invention. In this example, the
舉例來說,聲紋辨識單元130可為一種預先透過深度學習方法訓練的神經網路,具體來說,聲紋辨識單元130可為捲積神經網路(Convolutional Neural Network)。在錄音單元12接收委託方的語音訊息之後,可對該語音訊息進行傅立葉轉換得到一語音頻譜,接著,聲紋辨識單元130便可對該語音頻譜進行分析,進而判斷該語音訊息與委託
方先前登錄的語音特徵是否相同,也就是說,聲紋辨識單元130能夠根據聲紋特徵檢測出冒用身分的使用者。
For example, the
由於穿戴式智能裝置10是配戴於一使用者身上,生理感測單元131可持續量測使用者(即委託方)的每分鐘的脈搏數及血氧濃度,據此建立一正常脈搏範圍及一正常血氧濃度範圍。具體來說,生理感測單元131可藉由帶氧血紅素與不帶氧血紅素在紅光與紅外光兩波段的吸收率有較大差異的特性,對使用者皮膚內的動脈交替照射上述兩種光線,再經光感測器偵測不同波長所接收的訊號以計算血氧濃度。一般來說,如果使用者的脈搏數與血氧濃度與平時範圍差異較大,可能被視為處於一異常狀態而不通過檢測,使得委託方的第一語音的代表性有可能需要受到一定程度的質疑。
Since the wearable
上述測謊單元132可藉由量測使用者的脈搏、血壓、呼吸及皮膚導電度(出汗程度)來判斷使用者是否說謊。上述定位追蹤單元133可例如為全球定位系統(GPS),判斷配戴穿戴式裝置10的使用者的地理位置。透過測謊單元132及定位追蹤單元133,可在委託方欲訂定信託時,判斷委託方是否說謊,或是判斷委託方是否身處一異常位置,或是在訂定信託的當下周圍是否有其他連帶關係人,進而理解委託人是否在出於自我意志的狀態下訂定信託。
The
請結合圖3及圖4參照圖5,圖5係依據本發明另一實施例所繪示的即時自訂信託方法的流程圖。如圖5所示,在步驟S11後的步驟S12中,錄音單元12可受觸發取得來自委託方的第一語音及第二語音;接著經過步驟S13到步驟S14,其中步驟S14包含子步驟S140及子步驟
S145:當聲紋辨識的結果指示不通過時,身分驗證的結果指示不通過並執行步驟S17,聲紋辨識單元130執行的聲紋辨識的結果及在步驟S17所產生的可疑訊息各包含所述第二語音。需要注意的是,當聲紋辨識的結果指示通過時,身分驗證的結果未必指示通過;即本例的身分驗證的結果包含聲紋辨識的結果,而只有當身分驗證的結果指示通過時,才會接著執行步驟S15。
Please refer to FIG. 5 in conjunction with FIG. 3 and FIG. 4. FIG. 5 is a flow chart of a method for instant customized trust according to another embodiment of the present invention. As shown in FIG. 5, in step S12 after step S11, the
請結合圖3及圖4參照圖6,圖6係依據本發明另一實施例所繪示的即時自訂信託方法的流程圖。如圖6所示,在上述步驟S13後的步驟S14包含子步驟S141、S142及S145,也就是透過脈搏檢測及血氧濃度檢測判斷身分驗證的結果,其中當脈搏檢測的一結果指示不通過或血氧檢測的一結果指示不通過時,所述身分驗證的結果指示不通過並接著執行步驟S17。生理感測單元131執行的脈搏檢測的結果或血氧檢測的結果可被包含在步驟S17中所產生的可疑訊息中。需要注意的是,當脈搏檢測的結果及血氧檢測的結果都指示通過時,身分驗證的結果未必指示通過;即本例的身分驗證的結果包含脈搏檢測及血氧檢測的結果,而只有當身分驗證的結果指示通過,才會接著執行步驟S15。
Please refer to FIG. 6 in conjunction with FIG. 3 and FIG. 4 . FIG. 6 is a flow chart of a method for instant customized trust according to another embodiment of the present invention. As shown in FIG. 6 , step S14 after the above step S13 includes sub-steps S141, S142 and S145, that is, the result of identity verification is determined by pulse detection and blood oxygen concentration detection, wherein when a result of the pulse detection indicates failure or a result of the blood oxygen detection indicates failure, the result of the identity verification indicates failure and then step S17 is executed. The result of the pulse detection or the result of the blood oxygen detection performed by the
請進一步參照圖7,圖7係依據本發明又一實施例所繪示的即時自訂信託智能系統的使用情境示意圖。如圖7所示,在身分驗證模組13包含聲紋辨識單元130及生理感測單元131的實施例中,穿戴式智能裝置10(智能手錶)可顯示驗證通過的正常訊息,並詢問委託方是否要執行信託功能。委託方便可透過錄音單元12講述上述第一語音,藉此讓銀行伺服器20更新智能合約。
Please refer to FIG. 7, which is a schematic diagram of a use scenario of a real-time customized trust smart system according to another embodiment of the present invention. As shown in FIG. 7, in an embodiment where the
請結合圖3及圖4參照圖8,圖8係依據本發明再一實施例所繪示的即時自訂信託方法的流程圖。如圖8所示,在上述步驟S13後的步驟S14包含子步驟S143及S145,也就是透過測謊檢測判斷身分驗證的結果,其中當所述測謊檢測的結果指示不通過時,身分驗證的結果指示不通過並接著執行步驟S17。測謊判斷單元132執行的測謊檢測的結果可被包含在步驟S17所產生的可疑訊息中。需要注意的是,當測謊檢測的結果指示通過時,身分驗證的結果未必指示通過;即本例的身分驗證的結果包含測謊檢測的結果,而只有當身分驗證的結果指示通過,才會接著執行步驟S15。
Please refer to FIG. 8 in conjunction with FIG. 3 and FIG. 4 . FIG. 8 is a flow chart of a method for instant customized trust according to another embodiment of the present invention. As shown in FIG. 8 , step S14 after step S13 includes sub-steps S143 and S145, that is, determining the result of identity verification through a lie detection test, wherein when the result of the lie detection test indicates a failure, the result of identity verification indicates a failure and then step S17 is executed. The result of the lie detection test performed by the lie
請結合圖3及圖4參照圖9,圖9係依據本發明又另一實施例所繪示的即時自訂信託方法的流程圖。如圖9所示,在上述步驟S13後的步驟S14包含子步驟S144及S145,也就是透過定位認證判斷身分驗證的結果,其中當所述定位認證的結果指示不通過時,身分驗證的結果指示不通過並接著執行步驟S17。定位追蹤單元133執行的定位認證的結果可被包含在步驟S17所產生的可疑訊息中。需要注意的是,當定位認證的結果指示通過時,身分驗證的結果未必指示通過;即本例的身分驗證的結果包含定位認證的結果,而只有當身分驗證的結果指示通過,才會接著執行步驟S15。
Please refer to FIG. 9 in conjunction with FIG. 3 and FIG. 4 , which is a flow chart of a method for instant customized trust according to another embodiment of the present invention. As shown in FIG. 9 , step S14 after step S13 includes sub-steps S144 and S145, that is, determining the result of identity verification through location verification, wherein when the result of the location verification indicates failure, the result of the identity verification indicates failure and then executes step S17. The result of the location verification performed by the
請結合圖3及圖4參照圖10,圖10係依據本發明又再一實施例所繪示的即時自訂信託方法的流程圖。如圖10所示,在步驟S11後的步驟S12中,錄音單元12可受觸發取得來自委託方的第一語音及第二語音;接著經過步驟S13到步驟S14,其中步驟S14包含子步驟S140至子
步驟S144,也就是透過聲紋辨識、脈搏檢測、血氧濃度檢測、測謊檢測及定位認證判斷身分驗證的結果,其中當所述聲紋辨識、脈搏檢測、血氧濃度檢測、測謊檢測及定位認證的其中一者的結果指示不通過時,身分驗證的結果指示不通過並接著執行步驟S17。上述聲紋辨識、脈搏檢測、血氧濃度檢測、測謊檢測及定位認證的結果可被包含在步驟S17所產生的可疑訊息中。需要注意的是,在本例中,當聲紋辨識、脈搏檢測、血氧濃度檢測、測謊檢測及定位認證的結果都指示通過時,身分驗證的結果才能指示通過,並執行步驟S15。
Please refer to FIG. 10 in conjunction with FIG. 3 and FIG. 4 . FIG. 10 is a flow chart of a method for instant customized trust according to yet another embodiment of the present invention. As shown in FIG. 10 , in step S12 after step S11, the
透過以上敘述,本案的即時自訂信託之智能系統及方法可以以下方式訂定信託。由委託方透過穿戴式智能裝置發布有關於智能合約的語音內容給銀行,經由銀行信託人員審核語音內容並將審核結果回傳給委託人。於審核過程中裝置定時回傳委託人心跳和血氧狀況提供銀行端的測謊驗證儀器進行檢查,並於錄製完成後將錄音檔和簽約時留存錄音進行比對,比對完成後再由銀行信託人員聽取內容進行整理,再將內容回傳給委託人進行確認。當委託人確認信託成立後,回傳確認訊息給銀行,銀行經信託人員和主管核准後於系統上進行委託設定,設定完成後發布私鑰回傳穿載式智能裝置儲存,當信託及遺囑條件成立後,可透過此裝置和銀行進行確認和解密動作。當委託人希望修改或取消信託及遺囑內容時,可再次錄音回傳給銀行進行審核,因區塊鏈有儲存交易過程的機制,故修改過程會完全保留。 Through the above description, the intelligent system and method of instant customized trust in this case can establish a trust in the following way. The client releases the voice content of the smart contract to the bank through a wearable smart device, and the bank trust personnel review the voice content and send the review results back to the client. During the review process, the device regularly sends back the client's heartbeat and blood oxygen status to the bank's lie detector for inspection, and after the recording is completed, the recording file is compared with the recording retained at the time of signing the contract. After the comparison is completed, the bank trust personnel listen to the content and organize it, and then send the content back to the client for confirmation. When the principal confirms the establishment of the trust, the confirmation message is sent back to the bank. After the bank is approved by the trust personnel and supervisor, the trust setting is performed on the system. After the setting is completed, the private key is issued and sent back to the wearable smart device for storage. When the trust and will conditions are established, the device and the bank can be used to confirm and decrypt. When the principal wants to modify or cancel the trust and will, he can record again and send it back to the bank for review. Because the blockchain has a mechanism to store the transaction process, the modification process will be completely retained.
藉由上述結構,本案所揭示的即時自訂信託之智能系統及方法,可透過區塊鏈作為委託方與受託方之間的加密訊息橋梁,記錄 信託在訂定過程中的所有合約修改資訊及身分驗證資訊。基於區塊鏈的特性,本系統更可保留所有修改紀錄,確保信託內容被加密儲存、不易被修改,且可進行追溯記錄,以保障委託方、受託方及受益方的三方權益,同時在此過程中無須派遣專人到府進行信託服務,可節省人力資源。此外,系統還能對委託方進行各種身分驗證,確保委託方的狀態正常,且信託的訂定是出自於委託方的自由意志而非外部壓力。 Through the above structure, the intelligent system and method for instant customized trust disclosed in this case can use blockchain as an encrypted information bridge between the principal and the trustee to record all contract modification information and identity verification information during the trust establishment process. Based on the characteristics of blockchain, this system can retain all modification records to ensure that the trust content is encrypted and stored, not easily modified, and can be traced back to protect the rights and interests of the principal, the trustee and the beneficiary. At the same time, there is no need to send a dedicated person to provide trust services in the process, which can save human resources. In addition, the system can also perform various identity verifications on the client to ensure that the client's status is normal and that the trust is established at the client's free will rather than external pressure.
雖然本發明以前述之實施例揭露如上,然其並非用以限定本發明。在不脫離本發明之精神和範圍內,所為之更動與潤飾,均屬本發明之專利保護範圍。關於本發明所界定之保護範圍請參考所附之申請專利範圍。 Although the present invention is disclosed as above by the aforementioned embodiments, it is not intended to limit the present invention. Any changes and modifications made within the spirit and scope of the present invention are within the scope of patent protection of the present invention. Please refer to the attached patent application for the scope of protection defined by the present invention.
1:即時自訂信託智能系統 1: Real-time custom trust intelligent system
10:穿戴式智能裝置 10: Wearable smart devices
11:通訊單元 11: Communication unit
12:錄音單元 12: Recording unit
13:身分驗證模組 13: Identity verification module
14:處理控制單元 14: Processing control unit
20:伺服器 20: Server
BC:區塊鏈 BC: Blockchain
N1:第一節點 N1: First node
N2:第二節點 N2: Second node
N3:第三節點 N3: The third node
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| US20180343120A1 (en) * | 2016-10-26 | 2018-11-29 | Black Gold Coin, Inc. | Systems and methods for providing a universal decentralized solution for verification of users with cross-verification features |
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| TW202141397A (en) * | 2020-04-27 | 2021-11-01 | 彰化商業銀行股份有限公司 | Caring trust system based on blockchain and method thereof |
| CN114281299A (en) * | 2021-12-28 | 2022-04-05 | 顾远航 | Block chain insurance system based on intelligent contracts |
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| US20180343120A1 (en) * | 2016-10-26 | 2018-11-29 | Black Gold Coin, Inc. | Systems and methods for providing a universal decentralized solution for verification of users with cross-verification features |
| US20190147431A1 (en) * | 2017-11-16 | 2019-05-16 | Blockmason Inc. | Credit Protocol |
| TW202023271A (en) * | 2018-11-30 | 2020-06-16 | 香港商阿里巴巴集團服務有限公司 | Multimedia protocol signing method and device based on block chain |
| TW202141397A (en) * | 2020-04-27 | 2021-11-01 | 彰化商業銀行股份有限公司 | Caring trust system based on blockchain and method thereof |
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