Signing method, device, system, equipment and medium

Abstract

The invention provides a signing method, device, system and equipment and a medium, relates to the field of financial science and technology, and is used for solving the problem of low efficiency of an offline electronic ticket signing mode. The method comprises the following steps: acquiring a signed account of a customer, acquiring a preset protocol template through a first function interface, acquiring account information of the signed account by calling a customer node, acquiring mechanism information of a mechanism to which the signed account belongs by calling a mechanism node, and acquiring product contract information by calling a product contract node, a preset protocol template is filled with the account information, the organization information and the product contract information, signing content is generated, signing result information is sent to the client, and the signing result information is used for indicating whether the client succeeds in signing or not. According to the scheme, the efficiency of signing the electronic ticket can be improved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically to a contract signing method, device, system, equipment and medium. Background Art

[0002] In the traditional bill transaction process, customers need to sign the electronic bill business contract, which usually requires customers to go to the handling outlets in person to sign the contract at the counter. However, this method is inefficient and cannot meet the ever-changing needs of customers.

[0003] Therefore, how to improve the efficiency of electronic bill signing is an issue that needs to be urgently addressed. Summary of the invention

[0004] The present application provides a signing method, device, system, equipment and medium for solving the problem of low signing efficiency when customers use offline electronic billing methods.

[0005] In a first aspect, the present application provides a signing method, which includes: obtaining a customer's signing account, obtaining a preset agreement template through a first function interface, obtaining the account information of the signing account by calling a customer node, obtaining the institution information of the institution to which the signing account belongs by calling an institution node, obtaining product contract information by calling a product contract node, filling the account information, institution information and product contract information into the preset agreement template, generating signing content, and sending signing result information to the customer, the signing result information being used to indicate whether the customer has successfully signed the contract.

[0006] Through the above solution, customers can sign online electronic bill business through online banking channels, and transfer the electronic bill agreement signing and application form filling that originally needed to be completed offline to the online banking platform. Customers can sign online without filling out paper applications or going to the handling outlets, thereby improving contract signing efficiency and user experience. In addition, the agreement template is obtained through the first function interface, and the account information, institution information and product contract information are obtained to fill in the agreement template, thereby realizing dynamic agreements.

[0007] Optionally, calling a client node to obtain the account information of the contracted account, calling an institution node to obtain the institution information of the institution to which the contracted account belongs, and calling a product contract node to obtain the product contract information includes: obtaining a first transaction code, a second transaction code, and a third transaction code through a first function interface, wherein the first transaction code is related to the account information, the second transaction code is related to the institution information, and the third transaction code is related to the product contract information, interacting with the client node through the first transaction code to obtain the account information of the contracted account, interacting with the institution node through the second transaction code to obtain the institution information of the institution to which the contracted account belongs, and interacting with the product contract node through the third transaction code to obtain the product contract information. In this way, account information, institution information, and product contract information can be obtained through multiple transaction codes to improve the content of the agreement.

[0008] Optionally, after obtaining the customer's contracted account number, it also includes: according to a pre-set institutional hierarchy, searching for contracted amount information of the institution to which the opening bank of the contracted account belongs in turn, and filling the contracted amount information in the preset agreement template, wherein the institutional hierarchies are second-level bank, first-level bank, and head office respectively.

[0009] Through the above-mentioned tiered charging scheme, banks can flexibly adjust charging strategies at different levels, while ensuring the consistency and flexibility of charging policies; in addition, if the charging settings are not queried by level, since the bank charging standards of different branches are different, the user cannot change the charging amount after signing the contract. This solution uses the institutional level to find out whether the institution to which the customer's bank belongs has charging settings. In this way, when the user wants to change the charging amount, it can also be changed according to the institutional level, making it easier for users to adjust the contract amount and improving user experience.

[0010] Optionally, after sending the signing result information to the customer, it also includes: storing the signing content in the signing agreement table and pushing it to the voucher library, converting the signing content in the voucher library into a portable document format (PDF) protocol, generating an agreement number according to the PDF protocol, and saving the agreement number in a data table, which is used by the customer to obtain the signing content by querying the agreement number.

[0011] Optionally, after obtaining the customer's contract account, it also includes obtaining the contract service submitted by the customer, and updating the customer's contract function table based on the contract service, wherein the contract function table stores the activation status of multiple set service functions based on a bitmap, and the multiple set services include contract services and uncontracted services. The contract service has a first bit identifier, and the uncontracted service has a second bit identifier. The first bit identifier is used to indicate that the service has been activated, and the second bit identifier is used to indicate that the service has not been activated. In this way, the corresponding agreement can be quickly queried or downloaded in the system through the agreement number, thereby improving the efficiency of business processing and enhancing the transparency and traceability of the entire contract process.

[0012] Through the above solution, the service functions activated by the customer can be identified quickly and efficiently, and it is easy for the customer to add or remove a certain service function.

[0013] Optionally, the services to be set include one or more of the following services: reminder for bill collection, reminder for payment, transfer and endorsement, bill issuance, acceptance, and guarantee. Through the above solutions, customers can flexibly open single or multiple functions according to their own needs to meet the needs of different business scenarios.

[0014] In a second aspect, the present application provides a signing device, including:

[0015] An acquisition unit, used to acquire the customer's contract account number;

[0016] A calling unit, configured to obtain a preset protocol template through a first function interface, obtain account information of the contracted account by calling a customer node, obtain institution information of the institution to which the contracted account belongs by calling an institution node, and obtain product contract information by calling a product contract node;

[0017] A generating unit, configured to fill the account information, the organization information and the product contract information into the preset agreement template to generate contract content;

[0018] The sending unit is used to send the signing result information to the customer, and the signing result information is used to indicate whether the customer has successfully signed the contract.

[0019] In one possible implementation, the calling unit is specifically used to: call a customer node to obtain account information of a contracted account, call an institution node to obtain institution information of the institution to which the contracted account belongs, and call a product contract node to obtain product contract information, including: obtaining a first transaction code, a second transaction code, and a third transaction code through a first function interface, wherein the first transaction code is related to the account information, the second transaction code is related to the institution information, and the third transaction code is related to the product contract information; interacting with the customer node through the first transaction code to obtain the account information of the contracted account; interacting with the institution node through the second transaction code to obtain the institution information of the institution to which the contracted account belongs; and interacting with the product contract node through the third transaction code to obtain product contract information.

[0020] In one possible implementation, after obtaining the customer's contract account number, the acquisition unit is also used to: after obtaining the contract request information submitted by the customer, it also includes: according to a pre-set institutional hierarchy, searching in turn for contract amount information of the institution to which the opening bank of the contract account belongs, and filling the contract amount information in the preset agreement template, where the institutional hierarchies are second-level bank, first-level bank, and head office.

[0021] In one possible implementation, after sending the signing result information to the customer, the sending unit is also used to: store the signing content in the signing agreement table and push it to the voucher library, convert the signing content in the voucher library into a PDF protocol, generate an agreement number based on the PDF protocol, and save the agreement number in a data table. The data table is used by the customer to obtain the signing content by querying the agreement number.

[0022] In one possible implementation, after obtaining the customer's contracted account, the acquisition unit is also used to: obtain the contracted service submitted by the customer, and update the customer's contracted function table based on the contracted service, wherein the contracted function table stores the activation status of multiple set service functions based on a bit map, and the multiple set services include contracted services and uncontracted services. The contracted service has a first bit identifier, and the uncontracted service has a second bit identifier. The first bit identifier is used to indicate that the service has been activated, and the second bit identifier is used to indicate that the service has not been activated.

[0023] In a possible implementation, the set service includes one or more of the following services: a bill collection reminder service, a payment reminder service, a transfer endorsement service, a bill issuance service, an acceptance service, and a guarantee service.

[0024] In a third aspect, the present application provides a contract signing system, including an online banking device and an electronic bill system, wherein the online banking device and the electronic bill system are connected via a wireless network;

[0025] Internet banking equipment, used to obtain the customer's contracted account number and send it to the electronic bill system;

[0026] The electronic bill system is used to obtain the preset agreement template through the first function interface, obtain the account information of the contracted account by calling the customer node, obtain the institution information of the institution to which the contracted account belongs by calling the institution node, obtain the product contract information by calling the product contract node, fill the account information, institution information and product contract information into the preset agreement template, generate the contract content, and send it to the online banking device;

[0027] The online banking device is also used to send contract signing result information to the customer, and the contract signing result information is used to indicate whether the contract signing is successful.

[0028] Through the above solution, customers can sign contracts online through online banking devices, reduce the cumbersome steps of traditional paper processes, and improve business processing efficiency.

[0029] In a fourth aspect, the present application provides an electronic device, including:

[0030] A memory for storing program instructions;

[0031] The processor is used to call the program instructions stored in the memory, and execute the steps included in any one of the methods in the first aspect according to the obtained program instructions.

[0032] In a fifth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes any one of the methods described in the first aspect.

[0033] In a sixth aspect, the present application provides a computer program product, comprising: a computer program code, when the computer program code is run on a computer, the computer executes any one of the methods described in the first aspect. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Figure 1 A schematic diagram of the structure of a contract signing system provided in an embodiment of the present application;

[0035] Figure 2 A schematic diagram of a signing process provided for an embodiment of the present application;

[0036] Figure 3 A structural diagram of a signing device provided in an embodiment of the present application;

[0037] Figure 4 A structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0038] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only

[0039] The present application is a part of the embodiments, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be combined with each other arbitrarily. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0040] The terms "first" and "second" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any of their variations are intended to cover non-exclusive protection. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in the present application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.

[0041] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0042] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0043] Before introducing the contract signing method provided in the embodiment of the present application, some terms in the present application are explained. It should be noted that these explanations are for the convenience of understanding by those skilled in the art and do not constitute a limitation on the scope of protection claimed by the present application.

[0044] 1. Electronic ticket.

[0045] The full name of electronic bill is electronic commercial bill, which is the electronic form of traditional paper bill. The bill information of electronic bill is stored and transmitted in the form of electronic data. The transaction and processing speed of electronic bill is fast, which can reduce manual operation and mailing time. The electronic bill system supports a variety of business functions, such as issuance (the act of issuing electronic commercial bill, the bill is issued by the issuer), acceptance (the act of the acceptor promising to pay the face value of the bill unconditionally when the bill matures), endorsement (the act of the bill holder transferring the bill rights to others, which is completed by signing on the back of the bill), discount (the holder transfers the unexpired bill to the bank before the bill matures, and the bank pays the remaining bill amount after deducting a certain amount of interest), etc. Electronic bills basically cover all the functions of traditional bills. Its use has greatly improved the efficiency and security of bill transactions and is an important manifestation of the development of financial technology.

[0046] 2. Bill exchange.

[0047] A clearing house is a financial institution that specializes in handling bill exchange and clearing. It is mainly responsible for handling inter-bank bill exchange and clearing, maintaining the electronic commercial bill system, managing corporate information reporting, etc.

[0048] To facilitate understanding, the technical background of the embodiments of the present application is introduced in detail below.

[0049] As described in the background technology, the traditional electronic bill business contract signing process requires customers to go to the handling outlets in person to sign the contract at the counter. This method has many inconveniences, such as: customers need to take time out to go to bank outlets, so the time cost of signing the contract is very high; and for customers who are far away from the outlets, the round-trip journey takes a long time; in addition, counter services may face waiting in line, and the signing efficiency is low; finally, offline signing can only be handled during bank business hours, and the signing flexibility is poor.

[0050] With the rapid development of Internet technology and the continuous innovation of bill business, customers have put forward higher requirements for the efficiency and convenience of the contract signing process. Therefore, how to quickly complete the electronic bill business contract signing to adapt to the fast-paced business environment and the trend of digital transformation is an urgent problem to be solved.

[0051] Based on this, the present application proposes a signing method, which improves the efficiency of electronic bill business signing through online electronic bill business signing.

[0052] In a possible implementation, the contract signing method provided in this application is applicable to a contract signing system. Figure 1 , showing a possible architectural diagram of the contract signing system. The contract signing system includes four layers, namely the customer layer, the initiating channel layer, the electronic bill layer and the interactive component layer. These four layers are introduced respectively below.

[0053] The client layer refers to the layer where customers request contract services. Customers can submit contract request information through client devices, such as computers, mobile phones, tablets, etc. After the client layer obtains the contract request information, it will send it to its upper layer, which is the initiating channel layer.

[0054] The initiating channel layer is provided with an online banking device, which may include the following units: an online banking unit, a security authentication unit, a data processing unit, etc., without limitation. The online banking device may be a server or processing system of various types, which is used to receive a contract signing request from the customer layer and send it to the electronic bill layer, and is also used to receive contract signing result information from the electronic bill layer and send it to the customer layer, wherein the contract signing result information is whether the contract signing is successful.

[0055] The electronic bill layer is provided with an electronic bill system, which may include the following units: a database unit, a contract processing unit, an electronic bill management unit, etc., without limitation. The electronic bill system may be various types of servers or processing systems, which are used to process contract requests from online banking devices. In the process of processing contract requests, a message request may be sent to the interactive component layer, and the contract request information may be processed according to the result information returned by the interactive component layer to the message request, and the processing result may be sent to the online banking device at the initiating channel layer, that is, the electronic bill system determines whether the contract is successful. If successful, the electronic bill system trades related functional bills through the online banking device. If unsuccessful, the electronic bill system does not display the related functional page.

[0056] The interactive component layer is provided with an institution staff component, a product contractable component, and a customer information component. After the interactive component layer receives the message request sent by the electronic invoice system in the electronic invoice layer, the result information corresponding to the message request is sent to the electronic invoice system according to the correspondence between different components and the message request. Specifically, if the message information corresponds to the institution staff component, the information corresponding to the institution staff component is returned to the electronic invoice system; if the message information corresponds to the product contract component, the information corresponding to the product contract component is returned to the electronic invoice system; if the message information corresponds to the customer information, the information corresponding to the customer information component is returned to the electronic invoice system.

[0057] See also Figure 2 , a schematic diagram of a contract signing process is given as an example. The contract signing method can be applied to a contract signing system, such as the above Figure 1 The contract signing system shown, more specifically, can be applied to the online banking equipment and electronic bill system in the contract signing system. The method comprises the following steps:

[0058] Step 201: Obtain the customer's contract account number.

[0059] For example, combining the above Figure 1The user can submit a contract request information at the customer layer. The contract request information includes the contract account number that the customer wants to sign. The contract request information is sent to the electronic bill system at the electronic bill layer through the online banking device at the initiating channel layer.

[0060] Optionally, after obtaining the contract account number submitted by the customer, it also includes: according to the pre-set institutional hierarchy, searching for the contract amount information of the institution to which the opening bank of the contract account belongs in turn, and filling the contract amount information in the preset agreement template, the institutional levels are second-level bank, first-level bank, and head office respectively.

[0061] In this way, you can check whether the institution described in the customer's bank account opening institution has charging settings according to the institutional level, and charge the customer according to the charging settings. For example, the head office is usually the headquarters of the bank, the first-level bank is usually a branch at the provincial or municipal level, the second-level bank is usually a branch at the city level, and the outlets are usually the lowest-level bank business institutions that can provide services directly to customers. After obtaining the customer's charging information, you can first check whether the second-level bank to which the customer's bank account opening institution belongs has charging settings. If the second-level bank has no charging settings, check whether the first-level bank has charging settings. If the first-level bank has no charging settings, check whether the head office has charging settings. If there are no charging settings at all levels, the customer is exempt from charges.

[0062] On the contrary, if a bank is found to have charging settings, the charging information will be returned to the user, and the user will be charged according to the charging information. That is, the electronic bill system will send the charging information to the customer through the online banking device, and the customer will pay according to the charging information.

[0063] Through the above-mentioned tiered charging scheme, banks can flexibly adjust charging strategies at different levels, while ensuring the consistency and flexibility of charging policies; in addition, if the charging settings are not queried by level, since the bank charging standards of different branches are different, the user cannot change the charging amount after signing the contract. This solution uses the institutional level to find out whether the institution to which the customer's bank belongs has charging settings. In this way, when the user wants to change the charging amount, it can also be changed according to the institutional level, making it easier for users to adjust the contract amount and improving user experience.

[0064] Optionally, the contract signing request information also includes the contract signing service. After obtaining the contract signing request information submitted by the customer, it also includes: updating the customer's contract signing function table based on the contract signing service, wherein the contract signing function table stores the activation status of multiple set service functions based on a bit map, and the multiple set services include contract signing services and uncontracted services. The contract signing service has a first bit identifier, and the uncontracted service has a second bit identifier. The first bit identifier is used to indicate that the service has been activated, and the second bit identifier is used to indicate that the service has not been activated.

[0065] Optionally, a 32-bit bitmap mode may be used to mark the activation status of a service function, with each service function corresponding to one bit, and the bitmap flag corresponding to an activated service function is recorded as "1", and the flag of an unactivated service function is recorded as "0". In this way, a 32-bit integer may be used to represent 32 different service function states.

[0066] Through the above solution, the service functions activated by the customer can be identified quickly and efficiently, and it is easy for the customer to add or remove a certain service function.

[0067] Optionally, the set business includes one or more of the following businesses: reminder for collection business, reminder for payment business, transfer and endorsement business, issuance business, acceptance business, and guarantee business.

[0068] Optionally, customers can flexibly choose the business functions they need to activate, which can be a single business or a combination of multiple businesses, such as: inter-bank acceptance / guarantee business: expand the scope of use and liquidity of bills; bill issuance business: the number of bills issued and the amount of bills issued can be set; acceptance business: the number of acceptances and the amount of acceptance can be set; guarantee business: including bill issuance guarantee, acceptance guarantee, endorsement guarantee, the number of guarantee sheets and the amount of guarantee can be set to enhance the credit of the bill.

[0069] Through the above solutions, customers can flexibly choose to activate single or multiple functions according to their own needs to meet the needs of different business scenarios.

[0070] Step 202: obtain the preset agreement template through the first function interface, obtain the account information of the contracted account by calling the customer node, obtain the organization information of the organization to which the contracted account belongs by calling the organization node, and obtain the product contract information by calling the product contract node.

[0071] Optionally, the first function interface may be a transaction code, that is, obtaining a preset protocol template through the transaction code.

[0072] Optionally, a preset mapping table can be set up in advance, which stores the correspondence between protocol templates of different types of protocols and specific transaction codes. After determining the transaction code of the first function interface, the target protocol template can be searched according to the correspondence between the transaction code and the protocol template in the preset mapping table. In this way, the accuracy and consistency of the agreement content can be ensured, and the efficiency and reliability of the entire signing process can be improved.

[0073] Please continue reading Figure 1After the user submits the contract signing request information at the customer layer, the contract signing request information is sent to the electronic bill system at the electronic bill layer through the online banking device at the initiating channel layer. The electronic bill system calls the institution employee component at the interactive component layer through the transaction code to obtain the institution information, calls the product contract component at the interactive component layer through the transaction code to obtain the product contract information, and calls the customer information component at the interactive component layer through the transaction code to obtain the account information.

[0074] Step 203: Fill the account information, organization information and product contract information into the preset agreement template to generate the contract content.

[0075] Optionally, the corresponding institutional information, such as institution name, institution address, contact information, etc., can be determined based on the correspondence between the contracting institution identification and the institutional information. Then, the institutional information and customer information are filled into the target agreement template to generate the complete contract content, and finally the contract result is sent to the customer.

[0076] Optionally, step 203 may also include: obtaining a first transaction code, a second transaction code, and a third transaction code through a first function interface, wherein the first transaction code is related to the account information, the second transaction code is related to the institution information, and the third transaction code is related to the product contract information; interacting with the customer node through the first transaction code to obtain the account information of the contracted account; interacting with the institution node through the second transaction code to obtain the institution information of the institution to which the contracted account belongs; and interacting with the product contract node through the third transaction code to obtain the product contract information.

[0077] In this way, account information, institution information and product contract information can be obtained through multiple transaction codes to improve the content of the agreement.

[0078] Step 240: Send the signing result information to the customer.

[0079] Among them, the signing result information is used to indicate whether the customer has successfully signed the contract.

[0080] For example, combining the above Figure 1 The electronic bill system determines whether the contract is signed successfully. If successful, the electronic bill system will trade related functional bills through the online banking device. If failed, the electronic bill system will not display the related functional page.

[0081] Optionally, after sending the signing result information to the customer, it also includes: storing the signing content in the signing agreement table and pushing it to the voucher library, converting the signing content in the voucher library into a PDF protocol, generating an agreement number based on the PDF protocol, and saving the agreement number in a data table. The data table is used by the customer to obtain the signing content by querying the agreement number.

[0082] Specifically, after the contract is signed successfully, the system will call the voucher library transaction interface and push the agreement content to the voucher library. After receiving this information, the voucher library will generate a complete PDF format agreement based on the pre-set agreement template and the specific content pushed. The generated PDF agreement will then be sent to the system. After the system receives the PDF, it will further push it to p9usd for permanent storage. This step ensures the long-term storage and security of the agreement.

[0083] Furthermore, after successfully saving the agreement, p9usd will return a unique agreement number. The system will save this number in the corresponding data table and associate it with the original agreement record. The storage of this unique number facilitates subsequent agreement management and query. Afterwards, both customer service personnel and customers can quickly query or download the corresponding agreement in the system through this number. In this way, the efficiency of business processing can be improved, and the transparency and traceability of the entire contract signing process can be enhanced.

[0084] The above content introduces a contract signing method, which can be applied to the contract signing system. The contract signing system can refer to the above Figure 1 .

[0085] Optionally, the contract signing system includes an online banking device and an electronic bill system, and the online banking device and the electronic bill system are connected via a wireless network. The online banking device is used to obtain the customer's contract account and send it to the electronic bill system; the electronic bill system is used to obtain a preset protocol template through a first function interface, obtain the account information of the contract account by calling the customer node, obtain the institution information of the institution to which the contract account belongs by calling the institution node, obtain the product contract information by calling the product contract node, fill the account information, institution information and product contract information into the preset protocol template, generate the contract content, and send it to the online banking device; the online banking device is also used to send contract result information to the customer, and the contract result information is used to indicate whether the contract is successful.

[0086] Through the above solution, customers can sign contracts online through online banking devices, reduce the cumbersome steps of traditional paper processes, and improve business processing efficiency.

[0087] The above content introduces the basic process of the contract signing method. The following is a complete example to illustrate the specific application of the above method.

[0088] First, please refer to Table 1, which shows the transaction codes and corresponding functions used in this example.

[0089]

[0090]

[0091] Table 1

[0092] Then, please refer to Table 2, which shows the database table and corresponding functions used in this example. Table 2 is a database table, which can be preset or manually defined, and is not limited.

[0093]

[0094]

[0095] Table 2

[0096] It should be noted that the transaction codes shown in Table 1 and the database table shown in Table 2 are only used as an example to explain the above method and are not intended to limit the present application.

[0097] Based on the contents shown in Table 1 and Table 2 above, the specific steps of executing the signing method in this example are introduced below, including the following steps 1 to 12:

[0098] Step 1: The customer logs into the online banking interface through the online banking supervisor and enters the contract account management menu under the bill business menu.

[0099] That is, there is the following menu path in the online banking interface: Bill Business - Contract Management - Contract Application. Customers submit contract applications according to the menu path in the online banking interface.

[0100] Step 2: The customer selects the account to be signed, and then the system determines whether the customer has registered the corporate information with the Securities Exchange.

[0101] Optionally, the system queries the reporting account information table acct_sgninf_tbl by calling the transaction code 1 of the query transaction, obtains and analyzes the reporting status flag field, and determines whether the customer has completed the reporting of the enterprise information in the bill exchange according to the reporting status flag field.

[0102] If the query result shows that the customer has not completed the corporate information registration at the bill clearing house, the online banking system will immediately trigger a real-time pop-up prompt, which will clearly inform the customer that they have not completed the necessary registration procedures and emphasize that the corporate information registration must be completed before continuing to sign the contract. If the query result shows that the customer has completed the corporate information registration at the bill clearing house, the system will allow the customer to continue with the subsequent contract signing process. This verification step ensures that only customers who have completed the necessary pre-procedures can continue to sign the electronic bill business.

[0103] Step 3: When the customer clicks the "Contract Application" menu, the "Electronic Commercial Bill Agreement" (including fee collection) pops up and displays for 30 seconds. The customer needs to slide the drop-down progress bar to the bottom, and set the "Agree" or "Disagree" check box at the bottom.

[0104] If the customer ticks "Agree" and clicks "Confirm", the next step of the contract signing interface will be entered. If the customer ticks "Disagree", the contract signing process will be terminated. The next step of the contract signing interface includes: a drop-down menu of the contract signing account, the selection of the electronic bank acceptance bill function, the selection of the electronic commercial acceptance bill function, and contact information.

[0105] Optionally, when signing the electronic bill, a general customer prompt interface can be displayed: Dear XX, your company is applying for the online signing of electronic commercial bills. The signing functions include prompting for bill collection, issuing a prompt payment application, transfer endorsement application and response, discount application, recourse application and consent to repayment response, pledge application and response. If you need to activate other functions or handle contract modification and termination, please go to the account opening institution to handle it (contract modification and termination can be completed through the counter channel (Payment Settlement-New Bill System-Electronic Bill Business Signing) menu to complete the contract modification and deletion.

[0106] Step 4: The customer selects the account to be signed and enters the relevant information of the person in charge. After the contract is successfully signed, the relevant information is recorded in the contract information table acct_sgninf_tbl.

[0107] Optionally, the relevant information may include: address, telephone number, name of the agent, agent ID type, agent phone number, agent ID number, agent WeChat ID, etc. The relevant information is used for subsequent verification and notification processes. When the customer clicks the confirmation button, the system will automatically call the transaction code 2 of the electronic bill business contract transaction and enter all agent information into the contract account table acct_sgninf_tbl.

[0108] Step 5: The customer selects the service functions to be activated.

[0109] Customers can flexibly choose the functions they need to activate, which can be a single function or a combination of multiple functions. The system requires that at least one function must be selected for activation. When activating related functions, the system will automatically activate the following basic functions by default: reminder for collection, reminder for payment, and transfer endorsement. These basic functions are the core operations of the electronic commercial bill business, ensuring that customers can conduct the most basic bill transactions. Customers can also choose special functions: inter-bank acceptance / guarantee function, bill issuance function (number of bills issued, bill issuance amount), acceptance (number of acceptances, acceptance amount), guarantee (number of guarantee, guarantee amount, including bill issuance guarantee, acceptance guarantee, endorsement guarantee). After the contract is successfully signed, the relevant information will be recorded in the contract function table and the quota information table.

[0110] Optionally, all activated function information will be recorded in the contract function table sign_func_tbl. The system uses a 32-bit bitmap mode to mark the activation status of the function. Each function corresponds to a bit, and the corresponding bitmap mark of the activated function is recorded as "1", and the unactivated function mark is "0". This design is both efficient and flexible, and it is convenient for the system to quickly identify the customer's permissions.

[0111] Optionally, the relevant quota information will be recorded in the quota information table sign_func_tbl. This table contains the validity flag of the quota. The system will control that only relevant bill transactions can be carried out within the valid amount and amount range. If the quota is insufficient or there is no available quota, the bill transaction of the relevant function will not be carried out, ensuring the security and compliance of business operations.

[0112] Through the above steps, we can not only meet the personalized business needs of customers, but also effectively control business risks, and provide customers with a safe and flexible electronic commercial bill service platform.

[0113] Step 6: The customer selects the payment account and payment method. After the contract is signed successfully, the relevant information is recorded in the customer's electronic billing service billing contract information table sgn_cost_tbl.

[0114] Among them, the deduction account is limited to the contracted account, and the charging method can be selected on an annual or monthly basis. The charging types include the electronic commercial bill system usage fee and the electronic commercial bill system clearing fee.

[0115] Optionally, the fee determination process is as follows: first check whether the second-tier bank to which the customer's account opening institution belongs has any fee settings. If the second-tier bank has no fee settings, query the first-tier bank. If the first-tier bank also has no fee settings, finally query the head office. If there is no fee information at all levels, the customer is exempt from fees.

[0116] Optionally, after the contract is signed successfully, the relevant information is recorded in the customer electronic billing service billing contract information table sgn_cost_tbl. When signing the contract, the system calls transaction code 2 to enter the charging type into the contract information table sgn_cost_tbl. When the charging type is "0" (free), after entering the charging table, no subsequent deductions will be made. When the charging type is "1" (charged), after selecting the charging method and charging type, the corresponding fees will be deducted when the due date. Then call transaction code 9 to view the charging amount.

[0117] Optionally, when deducting fees, the system will obtain the customer type through transaction code 3. For small and micro enterprises or individual business owners: there is a maximum charge cap on annual fees or monthly fees to reduce their financial burden. The plan can flexibly adjust the charging strategy according to the customer type and institutional level, which not only ensures the rationality of the charges, but also provides preferential measures for special customer groups.

[0118] Step 7: The customer selects the mobile phone number to be entered for SMS notification (multiple mobile phone numbers can be added). After the contract is successfully signed, the relevant information is recorded in the SMS notification function table sms_func_tbl for the contracted mobile phone number.

[0119] Optionally, the system allows customers to add up to 10 mobile phone numbers for one account to meet the needs of multiple people receiving notifications. The relevant information is recorded in the SMS notification function table sms_func_tbl for the contracted mobile phone number. The primary key of the table is set to a combination of the account number and the mobile phone number to ensure that each mobile phone number can be associated with a specific account and recorded independently. When entering the mobile phone number, the system will also set the activation status of the SMS notification function. For example, the activation flag is "1", indicating that the mobile phone number will receive notifications; the unactivation flag is "0", indicating that no notifications will be received for the time being. Only when the activation flag of the mobile phone number is "1", after the electronic bill business is successfully signed, the system will send notifications of related bill business to the mobile phone number. This design ensures the accuracy of notifications and the protection of customer privacy.

[0120] The system will send notifications strictly according to the number of mobile phone numbers entered by the customer. In other words, if the customer enters three mobile phone numbers and activates all of them, then every time there is a related bill business, these three mobile phone numbers will receive a notification. This multi-point notification mechanism greatly improves the timeliness and reliability of information transmission, and effectively reduces the risk of important notifications being missed.

[0121] Step 8: The customer signs the corresponding agreement commitment letter and agreement.

[0122] When the customer clicks Next, the system will automatically call the query transaction code 4 to obtain the electronic bill agreement content information. This automated process can quickly obtain the latest agreement content, ensuring that the customer sees the latest and most accurate agreement information when signing, which can not only improve the efficiency of the system, but also ensure the timeliness and accuracy of the agreement content, thereby providing customers with a better service experience.

[0123] Optionally, in order to complete the content of the agreement, the system uses the employee number to call the organization employee transaction code 5 to obtain the name of the organization head (i.e., the employee name) in the electronic bill agreement content, and calls the transaction code 6 according to the organization number to obtain the detailed communication address of the organization in the electronic bill agreement content. After obtaining the required information, the system calls the online contract transaction code 7 to record the complete agreement content in the online contract agreement table sgninf_agree_tbl. Among them, the online contract agreement table sgninf_agree_tbl can ensure that all necessary agreement information is accurately recorded and the complete agreement content is saved for subsequent query and management.

[0124] Optionally, in order to facilitate the customer's subsequent review, the system has set up an agreement preview function. When the customer needs to preview the agreement, the system will call the electronic bill agreement content information query transaction code 8 to display the complete agreement content.

[0125] Step 9: The system calls the electronic bill business signing transaction code 7 to obtain the signing result.

[0126] If the returned result shows that the contract is signed successfully, the system will update the relevant database table and mark the customer's contract status as completed. The system can send a notification of successful contract signing to the customer via SMS or other preset communication channels. The customer will then obtain access rights and can immediately enter the relevant function menu to start bill transaction operations.

[0127] If the result returned shows that the contract signing failed, the system will record the reasons for the failure, which may include incomplete information, verification failure, etc. The customer will not be able to enter the relevant function menu to conduct bill transactions, and the system will prevent customers who have not successfully signed the contract from accessing these functions. In addition, the system can display a failure prompt to the customer and provide the option of re-signing or seeking help.

[0128] Optionally, if the contract is signed successfully, the system will create a new record in the account and channel relationship table acct_chnl_tbl. Initially, the status of this record is set to "01", and the system starts an automatic task, which notifies the relevant institutional staff component to complete the signing of the electronic bill contract by calling the online banking number to call the institutional staff transaction code 10. This step ensures that all relevant parties can be informed of the completion of the contract in a timely manner. If the system returns a successful result, the system will further update the status of the record in the account and channel relationship table acct_chnl_tbl to "2", indicating "bound" so that the online banking can call the institutional staff to display the relevant function page for the contract.

[0129] Step 10: When the customer clicks the Confirm button, the system will call transaction code 7 to create a new record in the contract snapshot table sgn_snapshot_tbl.

[0130] Initially, the status of the record is set to "01", indicating that the processing has started but has not yet been completed. After that, the system starts an automatic task, calling the product contract component transaction 11 to notify the product contract to sign the electronic bill contract through the main product contract number and the sub-product contract number. That is, the product contract system is notified that a new electronic bill contract has been signed. Among them, the main product contract number usually refers to the main or core product contract number, and the sub-product contract number may refer to the contract number of the subsidiary or secondary product associated with the main product.

[0131] When transaction code 7 returns a result, the system will do the following: If the result shows that the operation is successful, the system will update the status of the record in the contract snapshot table sgn_snapshot_tbl to "1". This status represents "signed", indicating that the entire signing process has been successfully completed. If the result shows that the operation failed, the system will keep the original status unchanged and may trigger the corresponding error handling process. This design ensures that the system can accurately track the status of each signing process, which is helpful for subsequent audits and troubleshooting. At the same time, it also provides customers with a more transparent and reliable service experience.

[0132] Step 11: After the contract is signed successfully, the system will record the operation flow in the contract flow table sgninf_jrnl_tbl.

[0133] The system creates a new record in the agreement flow table sgninf_jrnl_tbl and sets its status to "01", indicating the initial status. This table not only records the specific content of the operation, but also clearly marks whether it is signed through the online banking channel or the counter channel. This detailed record facilitates subsequent audits and problem tracking.

[0134] Step 12: The system saves the protocol.

[0135] After the contract is signed successfully, the agreement flow table is entered at the same time and the status is set to "01". Then the system starts an automatic task, which will regularly scan the agreement flow table to identify new records that need to be processed. When a new record is found, the system will trigger the following operations: First, the system will call the voucher library transaction interface to push the agreement content to the voucher library. After receiving this information, the voucher library will generate a complete PDF format agreement based on the pre-set agreement template and the specific content pushed. The generated PDF agreement is then sent to the system. After the system receives the PDF, it will further push it to p9usd for permanent storage. This step ensures the long-term storage and security of the agreement.

[0136] After successfully saving the agreement, p9usd will return a unique agreement number. The system will save this number in the corresponding data table and associate it with the original agreement record. The storage of this unique number facilitates subsequent agreement management and query. Afterwards, both customer service personnel and customers can quickly query or download the corresponding agreement in the system through this number. In this way, the efficiency of business processing can be improved, and the transparency and traceability of the entire contract signing process can be enhanced.

[0137] Through the above steps, we can ensure that each signed agreement can be properly handled, safely stored, and available for reference at any time, thereby providing customers with a better and more reliable service experience.

[0138] Through the above solution, customers can sign online electronic bill business through online banking channels, and transfer the electronic bill agreement signing and application form filling that originally needed to be completed offline to the online banking platform. Customers can sign online without filling out paper applications or going to the handling outlets. This solution can improve the efficiency of signing and enhance the user experience. In addition, through the correspondence between transaction codes and agreement templates, the target agreement template corresponding to the first transaction code can be determined, thereby realizing dynamic agreements.

[0139] Based on the same inventive concept, the present application embodiment provides a signing device, please refer to Figure 3 , the device comprises:

[0140] An acquisition unit 301 is used to acquire a customer's contract account number;

[0141] The calling unit 302 is used to obtain a preset protocol template through a first function interface, obtain the account information of the contracted account by calling a customer node, obtain the organization information of the organization to which the contracted account belongs by calling an organization node, and obtain product contract information by calling a product contract node;

[0142] A generating unit 303, configured to fill the account information, the organization information and the product contract information into the preset agreement template to generate contract content;

[0143] The sending unit 304 is used to send the contract signing result information to the customer, and the contract signing result information is used to indicate whether the customer has successfully signed the contract.

[0144] In one possible implementation, the calling unit 302 is specifically used to: call a customer node to obtain account information of a contracted account, call an institution node to obtain institution information of the institution to which the contracted account belongs, and call a product contract node to obtain product contract information, including: obtaining a first transaction code, a second transaction code, and a third transaction code through a first function interface, wherein the first transaction code is related to the account information, the second transaction code is related to the institution information, and the third transaction code is related to the product contract information; interacting with the customer node through the first transaction code to obtain the account information of the contracted account; interacting with the institution node through the second transaction code to obtain the institution information of the institution to which the contracted account belongs; and interacting with the product contract node through the third transaction code to obtain product contract information.

[0145] In one possible implementation, after obtaining the customer's contract account number, the acquisition unit 301 is also used to: after obtaining the contract request information submitted by the customer, it also includes: according to the pre-set institutional hierarchy, searching for the contract amount information of the institution to which the opening bank of the contract account belongs in turn, and filling the contract amount information in the preset agreement template, and the institutional levels are second-level bank, first-level bank, and head office respectively.

[0146] In one possible implementation, after sending the signing result information to the customer, the sending unit 304 is also used to: store the signing content in the signing agreement table, and push it to the voucher library, convert the signing content in the voucher library into a PDF protocol, generate an agreement number based on the PDF protocol, and save the agreement number in a data table. The data table is used by the customer to obtain the signing content by querying the agreement number.

[0147] In one possible implementation, after obtaining the customer's contracted account, the acquisition unit 301 is also used to: obtain the contracted service submitted by the customer, and update the customer's contracted function table based on the contracted service, wherein the contracted function table stores the activation status of multiple set service functions based on a bit map, and the multiple set services include contracted services and uncontracted services. The contracted services have a first bit identifier, and the uncontracted services have a second bit identifier. The first bit identifier is used to indicate that the service has been activated, and the second bit identifier is used to indicate that the service has not been activated.

[0148] In a possible implementation, the set service includes one or more of the following services: a bill collection reminder service, a payment reminder service, a transfer endorsement service, a bill issuance service, an acceptance service, and a guarantee service.

[0149] Based on the same inventive concept, the embodiment of the present application provides an electronic device, which can realize the functions of the signing device discussed above, please refer to Figure 4 The device includes a processor 401 and a memory 402, and a processor 403 is coupled to the memory 401. The memory 401 is used to store program instructions, and the processor 402 is used to call the program instructions stored in the memory 401 and execute the above data processing method according to the obtained program.

[0150] Optionally, the electronic device may further include an interface circuit 403, which may be a transceiver or an input / output interface. The input / output interface is used to input and / or output information, where output may be understood as sending and input may be understood as receiving. The processor 402 may communicate with other devices in the contracting device or other devices other than the test device through the interface circuit 403 to obtain information required for executing the above contracting method.

[0151] When the electronic device 400 is used to implement Figure 2 When the method is shown, the processor 402 is used to implement the functions of the above-mentioned acquisition unit 301, determination unit 302, generation unit 303, and sending unit 304.

[0152] It is understandable that the processor in the embodiments of the present application may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field programmable gate arrays (FPGA) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. The general-purpose processor may be a microprocessor or any conventional processor.

[0153] The memory in the embodiments of the present application can be a random access memory, a flash memory, a read-only memory, a programmable read-only memory, an erasable programmable read-only memory, an electrically erasable programmable read-only memory, a register, a hard disk, a mobile hard disk, a compact disc read-only memory (CD-ROM) or any other form of storage medium known in the art. An exemplary storage medium is coupled to a processor so that the processor can read information from the storage medium and write information to the storage medium. The storage medium can also be a component of the processor.

[0154] Based on the same inventive concept, the embodiment of the present application provides a computer-readable storage medium, and the computer program product includes: computer program code, when the computer program code is run on a computer, the computer executes any of the methods discussed above. Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the contract signing method, the implementation of the above-mentioned computer-readable storage medium can refer to the implementation of the method, and the repeated parts will not be repeated.

[0155] Based on the same inventive concept, the embodiment of the present application also provides a computer program product, which includes: computer program code, when the computer program code is run on a computer, the computer executes any of the contract signing methods discussed above. Since the principle of solving the problem by the above computer program product is similar to that of the contract signing method, the implementation of the above computer program product can refer to the implementation of the method, and the repeated parts will not be repeated.

[0156] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0157] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0158] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0159] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of user-operated steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0160] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A contract signing method, characterized in that: The method comprises: Obtain the customer's contract account number; Obtain a preset protocol template through a first function interface, obtain the account information of the contracted account by calling a customer node, obtain the institution information of the institution to which the contracted account belongs by calling an institution node, and obtain product contract information by calling a product contract node; Fill the account information, the organization information and the product contract information into the preset agreement template to generate the contract content; The signing result information is sent to the customer, where the signing result information is used to indicate whether the signing is successful.

2. The method according to claim 1, characterized in that The account information of the contracted account is obtained by calling the customer node, the organization information of the organization to which the contracted account belongs is obtained by calling the organization node, and the product contract information is obtained by calling the product contract node, including: Obtaining a first transaction code, a second transaction code, and a third transaction code through the first function interface, wherein the first transaction code is related to the account information, the second transaction code is related to the institution information, and the third transaction code is related to the product contract information; The first transaction code is used to interact with the customer node to obtain the account information of the contracted account, the second transaction code is used to interact with the institution node to obtain the institution information of the contracted account, and the third transaction code is used to interact with the product contract node to obtain the product contract information.

3. The method according to claim 1, characterized in that After obtaining the customer's contract account, the following steps are also included: According to the preset institutional hierarchy, the contract amount information of the institution to which the opening bank of the contract account belongs is searched in turn, and the queried contract amount information is filled in the preset agreement template. The institutional hierarchy is the second-level bank, the first-level bank, and the head office.

4. The method according to claim 1, characterized in that After sending the signing result information to the customer, the method further includes: The contract content is stored in the contract agreement table and pushed to the voucher library; Convert the contract content in the credential library into a portable document format (PDF) protocol; An agreement number is generated according to the PDF agreement, and the agreement number is saved in a data table, and the data table is used for the customer to obtain the contract content by querying the agreement number.

5. The method according to any one of claims 1 to 4, characterized in that After obtaining the customer's contract account, the following steps are also included: Obtaining the contracted business submitted by the customer; According to the contracted service, the contracted function table of the customer is updated, the contracted function table stores the activation status of multiple set services based on a bit map, the multiple set services include the contracted service and uncontracted services, the contracted service has a first bit identifier, and the uncontracted service has a second bit identifier, the first bit identifier is used to indicate that the service has been activated, and the second bit identifier is used to indicate that the service has not been activated.

6. The method according to claim 5, characterized in that The set service includes one or more of the following services: Prompt collection business, prompt payment business, transfer endorsement business, issue business, acceptance business, guarantee business.

7. A signing device, characterized in that: include: An acquisition unit, used to acquire the customer's contract account number; A calling unit, configured to obtain a preset protocol template through a first function interface, obtain account information of the contracted account by calling a customer node, obtain institution information of the institution to which the contracted account belongs by calling an institution node, and obtain product contract information by calling a product contract node; A generating unit, configured to fill the account information, the organization information and the product contract information into the preset agreement template to generate contract content; The sending unit is used to send the signing result information to the customer, and the signing result information is used to indicate whether the signing is successful.

8. A contract signing system, characterized in that: It includes an online banking device and an electronic ticket system, wherein the online banking device and the electronic ticket system are connected via a wireless network; The online banking device is used to obtain the customer's contracted account number and send it to the electronic bill system; The electronic bill system is used to obtain a preset protocol template through a first function interface, obtain the account information of the contracted account by calling a customer node, obtain the institution information of the institution to which the contracted account belongs by calling an institution node, obtain the product contract information by calling a product contract node, fill the account information, the institution information and the product contract information into the preset protocol template, generate the contract content, and send it to the online banking device; The online banking device is used to send contract signing result information to the customer, and the contract signing result information is used to indicate whether the contract signing is successful.

9. An electronic device, characterized in that: include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the steps included in any one of claims 1-6 according to the obtained program instructions.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes the method according to any one of claims 1 to 6.

11. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is enabled to execute the method according to any one of claims 1 to 6.

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