A conversion method and system for text electronic contract and automatic execution instruction

Abstract

The invention relates to a method and a system for converting a text-based e-contract and an automatic execution command, which includes: carrying out linear transformation according to the booking information of customers, obtaining a digital business request command composed of 0-9 sequence and sending it to the operator through Internet; generating a text-based e-contract through the decomposition and analysis by the operator; decomposing a payment sub-contract and converting it into a booking request command so as to cause the bank to carry out the payment; decomposing a delivery sub-contract and converting it into a delivery request command so as to cause the business man to carry out the verification of the payment; decomposing a reckoning sub-contract and converting it into a reckoning request command and a verification command, wherein the reckoning request command is used for the bank to carry out the payment and the verification command is used for the business man to carry out the verification of the payment. Through converting the user-sensitive information into an automatic execution command, the invention effectively avoids user's privacy information (such as passports, bank account, etc.), thus guarantees the security, effectiveness, and non-repudiation in the process of sign recognition, execution and transmission of the e-contract.

Description

technical field [0001] The invention relates to the field of network-based contract signing and confirmation, and more specifically relates to a method and system for converting text-type electronic contracts and automatic execution instructions. Background technique [0002] With the popularization of Internet applications, many transactions in daily life can also be completed with the help of the Internet, such as the signing of electronic contracts. At present, the main steps of signing electronic contracts based on the Internet include: the user signs an electronic contract (that is, an electronic order) with the merchant on the Internet; the merchant and the e-commerce platform confirm and authenticate the electronic contract; and then the e-commerce platform and the bank confirm and Verify the electronic contract and complete the electronic payment transfer process; the e-commerce platform will notify the user of the result returned by the bank and complete the payment...

AI Technical Summary

Problems solved by technology

If you use a virtual top-up card, there will be a problem of funds retention

[0005] 2) Problems of tampering and forgery, the signing, execution and online transmission of electronic contracts are not tamper-proof and forgery-proof

If the user signs the electronic contract, it will be handed over to the e-commerce platform. The e-commerce platform can directly transfer the account with the bank according to the contract. If the electronic contract has been forged or tampered before reaching the electronic payment platform or before reaching the bank for authentication and processing , then the transfer behavior may be carried out between the wrong accounts, resulting in the user who bought the goods not being transferred, the merchant who sold the goods did not receive the money, or the bank transferred the money from other accounts, etc.

[0006] 3) The problem of repudiation, the signing and execution process of the existing electronic contract cannot be denied by all parties involved in the transaction

The signing and confirmation process of the existing electronic contract is carried out independently among the three parties, that is, the signing and confirmation process of the electronic contract is a single process of the three parties, and the confirmation process of the fourth party is not considered, that is, the mutual agreement of the user, the merchant, the bank and the third party is not considered at the same time. confirm

For example, when the bank receives the electronic contract payment request from the payment platform, it cannot confirm the correctness of the request, so it cannot guarantee the non-repudiation of the electronic contract

[0007] 4) There is an information security problem in the online banking system. The online banking system breaks through the limitations of time and space and improves the service quality. However, the online banking system also faces information security risks. The consumer connects to the banking system through the Internet, and the user operation steps are performed separately Its operation information is easy to be stolen, counterfeited and tampered with. Although online banking also provides a series of security mechanisms for user terminals, incidents of user account theft still occur frequently, and there is a security problem of leakage of user private information. , the public version of online banking (the bank does not issue certificates), there is a problem of denial of transaction information

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