无纸化电子签名系统解决方案 Solution of Paperless Electronic Signature System

产品概述 Product Overview

      随着“互联网+”带来的产业升级,越来越多的企业利用信息化技术优化业务流程、提供业务效率、降低运营成本,甚至改变和用户、合作伙伴、内部员工之间的交互流程,呈现出数字化、移动化、智能化、在线化等技术趋势特点。

      传统业务交互流程中,涉及大量纸质凭证、合同、档案,如何实现全电子化?

      电子化后,如何保证数据电文的真实性、完整性?如何实现数据电文可靠的电子签名,确保电子签名的合法?这些问题是企业互联网+转型的关键之所在。

      无纸化电子签名系统是一款实现可靠电子签名,满足法律相关要求的产品。

      通过基于PKI技术的数字签名与云平台结合,以云服务的方式提供数字签名,保证电子数据本身的安全可靠电子签名法律合规。产品适合于个人签字、单位盖章的各类应用场景中,适配手机、PAD、签名屏等各类终端,可实现随机随地的签名。

      产品适用银行、保险、证券、互联网金融、电商物流、政务、旅游等行业

With the "Internet +" industry upgrading, more and more enterprises use information technology to optimize business processes, provide business efficiency, reduce operating costs, and even change the interaction process with users, partners and internal staff, showing digital, mobile, intelligent, online technology trends.

In the traditional business interaction process, a large number of paper documents, contracts and archives are involved. How to achieve full electronic?

How to ensure the authenticity and completeness of data message after electronization? How to realize reliable electronic signature of data message and ensure the legitimacy of electronic signature? These problems are the key to the Internet + transformation of enterprises.

Paperless electronic signature system is a product that can realize reliable electronic signature and meet the relevant legal requirements.

Through the combination of digital signature based on PKI technology and cloud platform, digital signature can be provided in the way of cloud service to ensure the security and reliability of electronic data itself and the legal compliance of electronic signature. The product is suitable for various application scenarios of personal signature and unit seal. It can be adapted to various terminals such as mobile phone, PAD, signature screen and so on. It can realize random signature anywhere.

Products are suitable for banking, insurance, securities, Internet finance, e-commerce logistics, government, tourism and other industries.

产品框架Product framework

      电子签名云平台的产品框架如下图所示:

The product framework of the electronic signature cloud platform is shown in the following figure:

图片3.png 

图1 电子签名云平台框架

Figure 1 Electronic Signature Cloud Platform Framework

      为了实现电子单据的在线签署,由业务系统服务端以及客户端调用电子签名云服务的接口,采集用户身份信息、展现文档、采集证据链,最后将待签数据、身份信息、证据链摘要、文档等发送至电子签名云平台,云平台实现身份实名验证、证据链绑定、单据内容版式化、可靠电子签名等。

      其中数字证书的签发,云平台对接合法的第三方数字证书认证中心(CA)。

      身份证号码联网核查,云平台对接公安部全国公民身份证号码查询服务中心。

      同时该产品也支持私有化部署,以满足企业不同的需求。

In order to realize the online signature of electronic documents, the business system server and client call the interface of electronic signature cloud service to collect user identity information, display documents and gather evidence chain. Finally, the data to be signed, identity information, summary of evidence chain and documents are sent to the electronic signature cloud platform. The cloud platform realizes the authentication of real name, the binding of evidence chain and the content version of documents. Formal, reliable electronic signature, etc.

Among them, the issuance of digital certificates, cloud platform docking legal third-party digital certificate authentication center (CA).

Identity card number online verification, cloud platform docking with the Ministry of Public Security National Civil Identity Card Number Inquiry Service Center.

At the same time, the product also supports privatization deployment to meet the different needs of enterprises.

产品功能 Product Function

功能名称Function name


说明

                                      Explain

身份采集与验证Identity Acquisition and Verification

证件OCR

   Certificate

         OCR    

通过OCR技术实现身份证证件的识别。支持第一代、第二代身份证。

支持Android、iOS等主流手机操作系统。

The identification of identity card is realized by OCR technology. Support the first and second generation ID cards.

Support Android, iOS and other mainstream mobile operating systems.

身份证

联网核查

     Internet verification of identity cards

对接全国公民身份证号码查询服务中心,查询身份信息真实性。

Docking the National Citizen Identity Card Number Inquiry Service Center, inquiring the authenticity of identity information.

人脸识别

         Face   

   recognition

对比人脸照片和身份证照片,支持活体检测功能,实现身份信息的生物识别。

Comparing face photos and ID card photos, it supports the function of biopsy detection and realizes the biometrics of identity information.

证据链采集与绑定Evidence Chain Collection and Binding

证据链采集

     Evidence 

       Chain   

    Collection

采集用户签署行为相关证据链,支持手写笔迹、照片、音频、视频等。

确保证据链采集和签署行为、文档的关联一致。

支持Android、iOS、Windows等主流操作系统,支持主流的手机、签名板、签名屏、高拍仪。

Collect evidence chain related to user signature behavior, support handwriting, photos, audio, video, etc.

Ensure the consistency of evidence chain collection and signing behavior and documents.

Support Android, iOS, Windows and other mainstream operating systems, support mainstream mobile phones, signature boards, signature screens, high-beat devices.

证据链绑定

     Chain of  

     Evidence 

      Binding

对采集的证据链和文档、数字证书绑定,确保证据链真实、完整、关联。

Binding the collected evidence chain to documents and digital certificates to ensure the authenticity, integrity and relevance of the evidence chain.

内容版式转换Content Layout Conversion

内容版式转换

     Content 

      Layout 

   Conversion

支持HTML转换为PDF、支持XML、JSON等格式化数据转换为PDF。

Support HTML conversion to PDF, support XML, JSON formatted data conversion to PDF.

可靠电子签名Reliable electronic signature

个人电子签名

     Personal 

    electronic 

     signature

实现个人手写签字的PDF电子签名。支持RSA、SM2算法。

Realize PDF electronic signature of personal handwritten signature. Support RSA, SM2 algorithm.

单位签章

Unit signature

实现单位端的服务器PDF签章。

Implementing PDF Signature of Server on Unit Side

时间戳

   Time stamp

实现签名数据的加盖时间戳。

The time stamp of signature data is realized.

数字证书申请

   Application

    for Digital Certificate

支持国内主流的第三方CA。

Support the mainstream third party CA in China.

电子签名验证

    Electronic 

    Signature 

   Verification

验证电子签名、文档、数字证书的真实性,是否被篡改。

Verify the authenticity of electronic signatures, documents and digital certificates and whether they have been tampered with.


合法性说明 Legitimacy Statement

      我国的《合同法》、《电子签名法》都明确数据电文有形的表现所载内容的形式满足书面形式。法律层面关于数据电文满足合法性做了充分的要求,如下图所示:

Our country's Contract Law and Electronic Signature Law have made it clear that the form of the content contained in the tangible performance of data message satisfies the written form. At the legal level, there are sufficient requirements for the legitimacy of data messages, as shown in the following figure:

图片4.png 

图2 数据电文合法性的相关要求

Figure 2 Requirements for data message legitimacy

      本产品设计采用的技术完全按照法律的要求,满足原件形式、保存要求、证据的真实性以及满足可靠的电子签名的要求。签名服务器以及数字证书均是采用具备国家密码相关资质公司的产品。

The technology used in this product design is fully in accordance with the requirements of the law and meets the requirements of original form, preservation, authenticity of evidence and reliable electronic signature. Signature servers and digital certificates are products of companies with national password-related qualifications.

产品优势 Product Advantage

ü 安全、合法:采用第三方认证机构数字证书,支持国产密码算法,应用数字签名技术,对电子证据进行采集固化,对电子单据进行数字签名保证其符合《电子签名法》电子证据要求

ü 提高效率、节省成本:优化业务流程提高业务办理效率。节省纸张打印耗材单据管理、存储等成本。

ü 高性能高扩展性产品采用云服务模式,具备高性能、高扩展性。

ü 集成方便产品采用云服务模式,不需要本地化实施部署。不对原有业务流程进行重大调整,无需对原有系统进行复杂改造

ü 对终端多平台支持支持Android、iOS、Windows等主流操作系统,支持主流的手机、签名板、签名屏、高拍仪

ü 支持私有云部署:支持私有云部署

Safety and legality: adopt the digital certificate of the third party certification authority, support the domestic cryptographic algorithm, apply digital signature technology to collect and solidify electronic evidence, and digitally sign electronic documents to ensure that they meet the requirements of Electronic Signature Law and Electronic Evidence.

Improve efficiency and save costs: optimize business processes and improve business efficiency. Save paper, printing consumables, document management, storage and other costs.

High performance and high scalability: The product adopts cloud service mode, with high performance and high scalability.

Convenient integration: The product adopts cloud service mode and does not need to be deployed locally. There is no need to make major adjustments to the original business process and complex transformation of the original system.

U supports multi-platform terminal: support Android, iOS, Windows and other mainstream operating systems, support mainstream mobile phones, signature boards, signature screens, high-beat devices.

Supporting Private Cloud Deployment: Supporting Private Cloud Deployment

应用领域 Application Area

      银行:柜面无纸化、超级柜台(VTM)、移动展业、手机远程开户、直销银行、*开户等。

      保险:移动展业电子化投保、电子保单、理赔、回执、柜面无纸化

      证券:柜面无纸化、远程开户

      互联网金融:移动展业业务单据电子签名电子合同

      租赁行业(汽车、房屋):租赁合同签署电子签名;

      电商物流:快递签收电子签名、货物转运签收电子签名等

      旅游行业:旅游合同签署电子签名等。

Bank: Paperless counter, Super Counter (VTM), mobile exhibition industry, mobile phone remote account opening, direct selling bank, credit card account opening, etc.

Insurance: Electronic insurance, electronic insurance policy, claim settlement, receipt, paperless counter in mobile exhibition industry

Securities: Paperless counter, remote account opening

Internet Finance: Electronic Signature of Mobile Exhibition Business Documents, Electronic Contract, etc.

Leasing Industry (Automobile, Housing): Electronic Signature of Lease Contract;

E-commerce logistics: electronic signature for express delivery, electronic signature for cargo transshipment, etc.

Tourism industry: signing electronic signatures of tourism contracts, etc.



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