Loan form signing processing method and device, equipment, storage medium and program product

Abstract

The invention provides a loan form signing processing method and device, equipment, a storage medium and a program product. Relates to the technical field of data processing. According to the method, a loan form template is dynamically associated with a signing subject, the loan form template stored in a block chain is automatically acquired according to loan data in a loan request, a loan form file is generated, a signing task is created according to user information of a plurality of loan signing subjects, the plurality of signing subjects generate electronic signatures according to the signing task, and the electronic signatures are sent to the electronic signatures. According to the method, the electronic signature and the loan form file are subjected to data synthesis, and the blockchain smart contract is utilized to perform security detection on the loan form file storing the synthesized signature, so that online automatic signing is realized, and the signing efficiency of the form is improved.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method, apparatus, device, storage medium, and program product for processing loan form signing. Background Technology

[0002] A loan application form is a document that needs to be signed when applying for a bank loan. The loan application form needs to be signed by multiple parties.

[0003] In existing technology, when a banking institution needs multiple parties to sign loan forms to process loan business, different signatories usually need to sign the loan forms offline, and the bank then summarizes the signed loan forms.

[0004] However, in the existing technology, the forms used for offline signing are mostly paper forms. After the signing parties sign, bank staff need to manually enter the information in the forms and confirm the signature position on each form. The entire signing process requires the bank to enter information and confirm, which reduces the efficiency of form signing. Summary of the Invention

[0005] This application provides a method, apparatus, device, storage medium, and program product for processing loan form signing, in order to solve the problem of reduced form signing efficiency in the prior art.

[0006] In a first aspect, embodiments of this application provide a method for processing loan form signing, including:

[0007] Receive loan requests sent by clients, wherein the loan requests record loan data and user information of multiple loan signing entities;

[0008] A loan form template is obtained based on the loan data and user information of multiple loan signatories, wherein the loan form template is pre-stored in a blockchain block;

[0009] Write the loan data into the loan form template to generate a loan form file;

[0010] Create a form signing task based on the loan form file and the user information of the multiple loan signing entities;

[0011] The form signing task is sent to the clients of the multiple loan signing entities, so that the multiple loan signing entities sign the loan form file according to the form signing task and generate an electronic signature;

[0012] The electronic signatures of the multiple loan signatories are combined with the loan form file to generate a signed loan form file;

[0013] The signed loan form file is subjected to a security check according to a preset blockchain smart contract. If the check passes, the signing of the loan form is completed.

[0014] In one possible implementation, the step of combining the electronic signatures of the multiple loan signatories with the loan form file to generate a signed loan form file includes: extracting the signature area coordinates corresponding to multiple signatories predefined in the loan form file according to the loan form template, and generating a signature coordinate mapping table; parsing the identity identifiers of the multiple loan signatories based on their electronic signatures, and generating a signator list; querying the electronic signature image data of each signatory from the electronic signature database according to the signator list, and generating an electronic signature dataset; embedding the electronic signature image data of each signatory in the electronic signature dataset into the signature area coordinates of the loan form file according to the signature coordinate mapping table, and generating embedded signature form image data; converting and synthesizing the embedded signature form image data to generate a signed loan form intermediate file; and converting the format of the signed loan form intermediate file using a document generation engine to generate the signed loan form file.

[0015] In one possible implementation, the step of embedding the electronic signature image data of each signatory in the electronic signature dataset into the signature area coordinates of the loan form file according to the signature coordinate mapping table to generate the form image data with embedded signature includes: extracting the coordinate values ​​of the target signature area corresponding to the signatory to be processed according to the signature coordinate mapping table; creating an image layer at the bottom layer of the image data of the loan form file according to the coordinate values ​​of the target signature area; rendering the electronic signature image data of each signatory into the image layer through pixel rendering to generate form layer data configured with electronic signature; and compositing the form layer data configured with electronic signature with the background layer of the loan form file to generate the form image data with embedded signature.

[0016] In one possible implementation, writing the loan data into the loan form template to generate a loan form file includes: parsing the template structure and identifying variable placeholders based on the loan form template to generate a template variable list; extracting data fields and values ​​from the loan data to generate a loan data key-value pair set; performing variable-data key mapping matching based on the template variable list and the loan data key-value pair set to generate a data filling mapping relationship; filling data values ​​into template variable positions through variable substitution based on the data filling mapping relationship and the loan form template to generate a filled loan form; and standardizing the filled loan form to generate a loan form file.

[0017] In one possible implementation, after performing a security check on the signed loan form file and, if the check passes, completing the signing of the loan form, the process further includes: calculating the hash value of the signed loan form using a hash algorithm; generating blockchain transaction data based on the hash value of the loan form and the timestamp of completing the loan form signing; digitally signing the blockchain transaction data using a signing private key to generate signed blockchain transaction data; and broadcasting the signed blockchain transaction data to the blockchain network through a node interface, so that the blockchain network can create a blockchain storage certificate based on the signed blockchain transaction data and store the signed blockchain transaction data in the blockchain's storage system based on the blockchain storage certificate.

[0018] In one possible implementation, before combining the electronic signatures of the multiple loan signatories with the loan form file to generate the signed loan form file, the method further includes: obtaining identity verification configuration information based on the identity information of the loan signatories, wherein the identity verification configuration information includes at least one verification factor type and a corresponding reference data storage location; generating an identity verification request based on the identity verification configuration information and sending the request to the multiple loan signatories through a secure communication interface; receiving verification factor data generated by the multiple loan signatories based on the identity verification request; comparing the password data in the verification factor data with the password hash value stored in the user database to generate a password verification result; if the password verification result is successful, generating a data synthesis instruction, wherein the data synthesis instruction is used to combine the electronic signatures of the multiple loan signatories with the loan form file.

[0019] Secondly, embodiments of this application provide a processing apparatus for signing loan forms, comprising:

[0020] The first receiving module is used to receive loan requests sent by the client, wherein the loan requests record loan data and user information of multiple loan signing entities;

[0021] The first acquisition module is used to acquire a loan form template based on the loan data and user information of multiple loan signing entities, wherein the loan form template is pre-stored in a blockchain block;

[0022] The writing module is used to write the loan data into the loan form template and generate a loan form file;

[0023] A creation module is used to create a form signing task based on the loan form file and the user information of the multiple loan signing entities;

[0024] The sending module is used to send the form signing task to the clients of the multiple loan signing entities, so that the multiple loan signing entities sign the loan form file according to the form signing task and generate an electronic signature;

[0025] The synthesis module is used to synthesize the electronic signatures of the multiple loan signing entities with the loan form file to generate a signed loan form file;

[0026] The detection module is used to perform security checks on the signed loan form file according to a preset blockchain smart contract. If the check passes, the signing of the loan form is completed.

[0027] Thirdly, embodiments of this application provide a processing device for signing loan forms, including: a memory and a processor;

[0028] The memory stores computer-executed instructions;

[0029] The processor executes computer execution instructions stored in the memory, causing the processor to perform the first aspect and / or various possible implementations of the first aspect as described above.

[0030] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the first aspect and / or various possible implementations of the first aspect.

[0031] Fifthly, embodiments of this application provide a computer program product, including a computer program that, when executed by a processor, implements the first aspect and / or various possible implementations of the first aspect.

[0032] The loan form signing processing method, apparatus, device, storage medium, and program product provided in this application dynamically associates the loan form template with the signing entities, automatically obtains the loan form template stored on the blockchain based on the loan data in the loan request, generates a loan form file, creates a signing task based on the user information of multiple loan signing entities, generates electronic signatures based on the signing task, synthesizes the electronic signatures with the loan form file, and uses a blockchain smart contract to perform security checks on the stored and synthesized signed loan form file, thereby realizing automatic online signing and improving the efficiency of form signing. Attached Figure Description

[0033] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0034] Figure 1 This is a schematic diagram of the system structure of a computer device provided in an embodiment of this application;

[0035] Figure 2 A flowchart illustrating the process for signing loan forms provided for this application. Figure 1 ;

[0036] Figure 3 A flowchart illustrating the loan form signing process provided in this application embodiment. Figure 2 ;

[0037] Figure 4 A flowchart illustrating the loan form signing process provided in this application embodiment. Figure 3 ;

[0038] Figure 5 A flowchart illustrating the loan form signing process provided in this application embodiment. Figure 4 ;

[0039] Figure 6 A schematic diagram of the processing device for signing loan forms provided in this application;

[0040] Figure 7 A schematic diagram of the processing equipment for signing the loan form provided in this application.

[0041] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0042] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0043] The collection, storage, use, processing, transmission, provision, and disclosure of financial data or user data involved in the technical solution of this application all comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0044] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0045] Loan application forms are loan documents that need to be signed when applying for a bank loan. These forms require signatures from multiple parties. Currently, when banks need multiple parties to sign loan application forms, the different parties typically sign the forms offline, and the bank then compiles the signed forms. However, in current technology, the forms used for offline signing are mostly paper-based. After the parties sign, bank staff need to manually enter the information into the forms and confirm the signature positions on each form. This entire signing process requires the bank to input and confirm information, reducing the efficiency of the application process.

[0046] To address the aforementioned technical problems, this application proposes the following technical concept: Considering the acquisition of loan data and user information of multiple loan signatories, the inventors consider using a loan form template pre-stored in a blockchain block. Loan data is written into the loan form template to generate a loan form file. A form signing task is created based on the loan form file and the user information of multiple loan signatories. Multiple loan signatories sign the loan form file according to the form signing task, generating an electronic signature. The inventors also consider combining the electronic signatures of multiple loan signatories with the loan form file to generate a signed loan form. Finally, a pre-set blockchain smart contract is used to perform security checks on the signed loan form file. Detailed embodiments are described below.

[0047] Figure 1 This is a schematic diagram of the system architecture of the computer device provided in an embodiment of this application. Figure 1 As shown, the computer device includes: a receiving device 101, a processing device 102, and a display device 103.

[0048] It is understood that the structure illustrated in the embodiments of this application does not constitute a specific limitation on the processing method of loan form signing. In other feasible embodiments of this application, the above architecture may include more or fewer components than illustrated, or combine some components, or split some components, or arrange different components, which can be determined according to the actual application scenario and is not limited here. Figure 1 The components shown can be implemented in hardware, software, or a combination of both.

[0049] In the specific implementation process, the receiving device 101 can be an input / output interface or a communication interface, and can receive loan requests sent by the client.

[0050] The processing device 102 can generate a signed loan form file.

[0051] The display device 103 can be used to display the aforementioned signed loan form documents, etc.

[0052] The display device can also be a touch screen, used to receive user commands while displaying the above content, so as to realize the operation interaction with the user.

[0053] It should be understood that the above-mentioned processing device can be implemented by a processor reading instructions from memory and executing those instructions, or it can be implemented by a chip circuit.

[0054] Furthermore, the network architecture and business scenarios described in the embodiments of this application are for the purpose of more clearly illustrating the technical solutions of the embodiments of this application, and do not constitute a limitation on the technical solutions provided in the embodiments of this application. As those skilled in the art will know, with the evolution of network architecture and the emergence of new business scenarios, the technical solutions provided in the embodiments of this application are also applicable to similar technical problems.

[0055] Figure 2 A flowchart illustrating the process for signing loan forms provided for this application. Figure 1 ,like Figure 2 As shown, the method includes:

[0056] S201: Receive a loan request sent by the client, which contains loan data and user information of multiple loan contracting entities.

[0057] In this embodiment, the multiple loan agreement entities include, but are not limited to, borrowers and sellers.

[0058] In this embodiment, the loan requests sent by the client are loan requests sent by multiple loan contracting entities through their respective clients.

[0059] In this embodiment, loan data includes, but is not limited to, loan amount, interest rate, and repayment method.

[0060] In this embodiment, the user information of multiple loan signing entities includes, but is not limited to, name, contact information, and address.

[0061] S202: Obtain a loan form template based on loan data and user information of multiple loan signatories, wherein the loan form template is pre-stored in a block of the blockchain.

[0062] Specifically, based on loan data and the signing entity, the template identifier of the loan form template matching each loan signing entity is obtained. Based on the template identifier, the blockchain network is accessed through the interface of the blockchain node to query the loan form template stored in the block, verify the integrity of the template, and download the template to the system.

[0063] In this embodiment, the loan form template is stored in the form of a smart contract or a distributed file, and the template is retrieved by a template identifier.

[0064] S203: Write the loan data into the loan form template and generate the loan form file.

[0065] Specifically, the loan form template structure is parsed to identify variable placeholders, data fields are extracted, a data filling mapping relationship is generated, and data is filled into the template variable positions through variable substitution to generate the loan form file.

[0066] S204: Create a form signing task based on the loan form file and user information of multiple loan signing entities.

[0067] Specifically, based on the loan form file and user information of multiple loan signatories, a signing process is defined for each loan signatory, a task object is created for each signing process, the signing process is written into the task object, and a unique identifier corresponding to the task object is generated.

[0068] In this embodiment, the content recorded in the task object includes, but is not limited to, task ID, contract signing process, and contract validity period.

[0069] S205: Send a form signing task to the clients of multiple loan signing entities, so that the multiple loan signing entities can sign the loan form file according to the form signing task and generate an electronic signature.

[0070] In this embodiment, the methods by which multiple loan signatories receive the signing task include, but are not limited to, QR codes, links, and OTA (over-the-air) download technology.

[0071] S206: Combine the electronic signatures of multiple loan signatories with the loan form file to generate a signed loan form file.

[0072] Specifically, the signature area coordinates of the signatory are extracted from the loan form template, the identity identifiers of multiple loan signatories are parsed, a list of signatories is generated, the electronic signature database is queried to obtain the electronic signature dataset, the electronic signature images in the electronic signature dataset are embedded into the signature area coordinates of the loan form file, and the signed loan form file is generated.

[0073] S207: Perform a security check on the signed loan form file according to the preset blockchain smart contract. If the check passes, the signing of the loan form is completed.

[0074] Specifically, the signed loan form file and its hash value are sent to the blockchain network, triggering a smart contract to execute security checks. The smart contract verifies whether the file hash value matches the stored file hash value and whether the electronic signature is valid. If the checks pass, the smart contract marks the loan form as "signed".

[0075] As can be seen from the above embodiments, by dynamically associating the loan form template with the signing entities, the loan form template stored on the blockchain is automatically obtained based on the loan data in the loan request, a loan form file is generated, and a signing task is created based on the user information of multiple loan signing entities. Multiple signing entities generate electronic signatures based on the signing task, and the electronic signatures are combined with the loan form file. The blockchain smart contract is used to perform security checks on the loan form file with the combined signature, thereby realizing automatic online signing and improving the efficiency of form signing.

[0076] In one embodiment of this application, step S206 includes:

[0077] S2061: Based on the loan form template, extract the coordinates of the signature areas corresponding to multiple predefined signing entities in the loan form file, and generate a signature coordinate mapping table.

[0078] Specifically, the document structure of the loan form template is parsed, the predefined signature area is located, the coordinate position of each signature area on the page is read using a coordinate parsing tool, and the identity and role of each signing entity are associated with the coordinates of its corresponding signature area to generate a structured signature coordinate mapping table.

[0079] In this embodiment, the signature coordinate mapping table records the correspondence between "signing entity role and coordinate position".

[0080] S2062: Parse the identity identifiers of multiple loan signatories based on their electronic signatures and generate a list of signatories.

[0081] Specifically, the system receives electronic signature data packets sent by clients from various loan signatories, unpacks and decrypts these data packets, extracts embedded identity identifiers, matches the parsed identity identifiers with the corresponding roles in the loan requests, and generates a list of signatories.

[0082] In this embodiment, the list of signing entities records the signing entities and the order of signing.

[0083] S2063: Based on the list of signatories, query the electronic signature image data of each signatory from the electronic signature database to generate an electronic signature dataset.

[0084] Specifically, based on each identity identifier in the list of contracting entities, a batch query request is sent to a pre-set electronic signature database. The electronic signature database matches the identity identifier, retrieves the certified electronic signature image data pre-uploaded by each contracting entity, returns the queried electronic signature image data to the system, and packages the electronic signature image data and identity identifiers to generate an electronic signature dataset.

[0085] S2064: Based on the signature coordinate mapping table, embed the electronic signature image data of each signing entity in the electronic signature dataset into the signature area coordinates of the loan form file to generate the form image data with embedded signature.

[0086] Specifically, for each entity in the list of signatory entities, the corresponding signature area coordinates are looked up from the signature coordinate mapping table according to the role. Using an image processing engine, the electronic signature image of each signatory entity is superimposed and embedded into the area of ​​the table unit image according to the position and size specified by its coordinate information.

[0087] S2065: Convert and synthesize the form image data after embedding the signature to generate an intermediate file of the signed loan form.

[0088] Specifically, a document conversion tool is used to convert image data into an editable intermediate format file, the document structure of the intermediate file is adjusted, and the image is compressed to generate a signed loan form intermediate file.

[0089] S2066: The document generation engine converts the format of the signed loan form intermediate file to generate a signed loan form file.

[0090] Specifically, the signed loan form intermediate file is input into the document generation engine, which converts the intermediate file into an electronic document format to generate the signed loan form file.

[0091] As can be seen from the above embodiments, by refining the data synthesis process of electronic signatures and loan form documents, the precise positioning and automatic embedding of signature positions are achieved, ensuring that the electronic signatures of multiple signing entities can be efficiently and accurately combined with loan form documents to generate standardized signed documents, avoiding errors and delays caused by manual operation, and further improving the automation and reliability of the signing process.

[0092] Figure 3 A flowchart illustrating the loan form signing process provided in this application embodiment. Figure 2 ,like Figure 3As shown, in one embodiment of this application, step S2064 includes:

[0093] S401: Extract the coordinate values ​​of the target signature area corresponding to the signing entity to be processed based on the signature coordinate mapping table.

[0094] Specifically, a pre-generated signature coordinate mapping table is loaded, and a query and match is performed in the signature coordinate mapping table based on the identity identifier or role identifier of the current contracting entity to be processed, to locate the signature area record corresponding to the entity, and the coordinate value parameter of the target signature area is extracted from the successfully matched record.

[0095] In this embodiment, the coordinate values ​​of the target signature area include, but are not limited to, the horizontal and vertical coordinate values, the width value of the area, and the height value of the area.

[0096] S402: Create an image layer on the underlying image data of the loan form file based on the coordinates of the target signature area.

[0097] Specifically, the loan form file is converted into a high-resolution bitmap format using a document rendering engine as the base image data. Based on the extracted target signature area coordinates, a new transparent image layer is created on top of the base image data. The size of this layer is consistent with that of the base image, and its position coordinates correspond to the target signature area coordinates.

[0098] S403: Draw the electronic signature image data of each signing entity into an image layer through pixel rendering, and generate form layer data configured with electronic signatures.

[0099] Specifically, the electronic signature image data corresponding to the current signing entity is obtained from the electronic signature dataset. Using the pixel rendering function of the image processing engine, the electronic signature image is scaled proportionally to the size of the target signature area, maintaining the clarity and proportions of the signature image. The scaled electronic signature image is then rendered completely onto a pre-created image layer through pixel-level drawing operations, ensuring that the center point of the signature image is aligned with the center point of the target signature area, generating form layer data containing a clear electronic signature.

[0100] S404: Combine the form layer data configured with electronic signatures with the background layer of the loan form file to generate form image data with embedded signature.

[0101] Specifically, an image compositing engine is used to blend the two layers, employing either "Multiply" or "Alpha blending" image compositing algorithms to ensure a natural integration of the electronic signature with the original form background. A layer compositing operation is then performed, precisely overlaying the transparent layer containing the electronic signature onto the background form layer, outputting a complete form image data file containing the visible electronic signature, thus completing the signature embedding process.

[0102] As can be seen from the above embodiments, by extracting the coordinates of the target signature area, creating an image layer, pixel rendering, and layer compositing, the seamless integration of electronic signature image data and loan form files is achieved, ensuring the accuracy of signature embedding and image quality, avoiding signature overlap or distortion, enhancing the readability and professionalism of the form, and thus improving the overall quality of the contract and user experience.

[0103] In one embodiment of this application, step S203 includes:

[0104] S2031: Based on the loan form template, parse the template structure and identify variable placeholders to generate a template variable list.

[0105] Specifically, the loan form template file is loaded, and the document structure parsing engine is used to traverse the document object type tree or content stream of the template document, scan for variable placeholders that conform to the preset syntax rules, extract the identified variable placeholders, remove the delimiters and retain the core variable names, and generate an ordered list of template variables after deduplication.

[0106] In this embodiment, the content recorded in the template variable list includes, but is not limited to, the variable's name, location of occurrence, and data type.

[0107] S2032: Extract data fields and values ​​from loan data to generate a set of loan data key-value pairs.

[0108] Specifically, the data extraction module traverses all levels of the loan data object, identifies and extracts key data fields, uses the name of each field as the key and the corresponding data value as the value, organizes them into a standardized key-value pair structure, generates a complete set of loan data key-value pairs, and performs data cleaning and format standardization processing.

[0109] S2033: Based on the template variable list and the loan data key-value pair set, perform mapping matching between variables and data keys to generate data filling mapping relationships.

[0110] Specifically, an exact matching or fuzzy matching algorithm is used to perform similarity matching between each variable name in the template variable list and all key names in the loan data key-value pair set, and a correspondence table between variable names and data key names is established. For successfully matched pairs, their mapping relationship is recorded; for variables that fail to match, they are recorded in the exception list, and data is generated to populate the mapping relationship table based on the matching results.

[0111] S2034: Based on the data filling mapping relationship and the loan form template, fill the data values ​​into the template variable positions through variable substitution to generate the filled loan form.

[0112] Specifically, a copy of the template document is created as the working document. Each record in the data filling mapping table is traversed, and the corresponding variable placeholder position is located in the working document. The corresponding data values ​​in the loan data key-value pair set are replaced with the corresponding variable placeholder positions in the working document according to the preset format requirements. At the same time, the original placeholder marks are removed to complete the dynamic filling of data values ​​and generate the filled loan form.

[0113] S2035: Standardize the filled-in loan form to generate a loan form file.

[0114] Specifically, the completed loan form undergoes a format compliance check, and the processed document is converted into a standard electronic document format using a document formatting engine to generate the loan form file.

[0115] As can be seen from the above embodiments, by writing loan data into the loan form template, the automatic filling of loan data and form generation are realized, ensuring the accuracy and consistency of form data, reducing errors from manual input, improving form generation efficiency, and ensuring the standardization and compatibility of form files through standardized processing, further supporting the automation of the signing process.

[0116] Figure 4 A flowchart illustrating the loan form signing process provided in this application embodiment. Figure 3 ,like Figure 4 As shown, in one embodiment of this application, after step S207, the method further includes:

[0117] S501: Calculate the hash value of the signed loan form using a hash algorithm.

[0118] Specifically, the hash function library is called to perform a one-way hash operation on the signed loan form using a cryptographic hash algorithm, generating a fixed-length, unique hash value string.

[0119] S502: Generate blockchain transaction data based on the hash value of the loan form and the timestamp of the loan form signing.

[0120] Specifically, a structured data object is generated based on the system's current timestamp and the hash value of the loan form, and this structured data object is used as blockchain transaction data.

[0121] S503: Digitally sign the blockchain transaction data based on the signing private key to generate signed blockchain transaction data.

[0122] Specifically, the asymmetric encryption private key belonging to the business entity is retrieved from the key management system. The private key is then used to encrypt the blockchain transaction data using a digital signature algorithm to generate a digital signature. The generated digital signature is then bundled with the original blockchain transaction data to form a complete, signed blockchain transaction data packet.

[0123] S504: Broadcast the signed blockchain transaction data to the blockchain network through the node interface, so that the blockchain network can create a blockchain storage certificate based on the signed blockchain transaction data, and store the signed blockchain transaction data in the blockchain storage system based on the blockchain storage certificate.

[0124] Specifically, the process involves calling a blockchain network node to submit the signed blockchain transaction data packet through the node interface and broadcast it to the entire blockchain. Consensus nodes in the blockchain network verify the format of the transaction data, the validity of the digital signature, and the sender's permissions. Once verification is successful, the transaction is packaged into a new block.

[0125] As can be seen from the above embodiments, by utilizing the immutability and distributed ledger characteristics of blockchain, the authenticity and traceability of loan form documents are ensured, secure storage credentials are provided, and data anti-tampering capabilities are enhanced, thereby improving the security and credibility of the entire loan signing process.

[0126] Figure 5 A flowchart illustrating the loan form signing process provided in this application embodiment. Figure 4 ,like Figure 5 As shown, in one embodiment of this application, before step S206, the following steps are further included:

[0127] S601: Obtain identity verification configuration information based on the identity information of the loan signing entity, wherein the identity verification configuration information includes at least one type of verification factor and the corresponding reference data storage location.

[0128] Specifically, the system initiates a query request to the identity management system based on the identity information provided by the loan applicant. The identity management system then returns the user's identity verification configuration information based on preset security policies and user risk levels.

[0129] In this embodiment, the authentication configuration information specifies the types of authentication factors to be used (such as password, SMS verification code, and biometrics) and the storage location of the reference data corresponding to each factor.

[0130] S602: Generate an authentication request based on the authentication configuration information and send the request to multiple loan contracting entities through a secure communication interface.

[0131] Specifically, the authentication configuration information is parsed, a structured authentication request is generated for each contracting entity, and the authentication request is pushed to the client application or designated receiving terminal corresponding to each contracting entity.

[0132] In this embodiment, the request lists the types of verification factors that need to be provided, the validity period of the verification, and the guidance information for the verification interface.

[0133] S603: Receive verification factor data generated by multiple loan signatories based on identity verification requests.

[0134] Specifically, after receiving an authentication request on the client, each contracting party follows the instructions to input the required verification factors through the interface, encrypts the collected verification factor data, forms a standardized verification data packet, and receives the verification data packets from each client through a secure interface.

[0135] In this embodiment, the verification factor data includes, but is not limited to, passwords, fingerprints, and voice passwords.

[0136] S604: Compare the password data in the verification factor data with the password hash value stored in the user database to generate a password verification result.

[0137] Specifically, the plaintext password data submitted by the user is extracted from the verification factor data. A hash algorithm is used to calculate the hash value of the submitted password. The user's pre-stored password hash value is retrieved from the secure storage area of ​​the user database. The newly generated hash value is then precisely compared with the stored hash value. Based on the comparison result, a password verification result is generated, and the verification timestamp and verification device information are recorded.

[0138] S605: If the password verification result is successful, a data synthesis instruction is generated, which is used to synthesize the electronic signatures of multiple loan signing entities with the loan form file.

[0139] Specifically, the data synthesis instruction is sent to the electronic signature synthesis engine to initiate the process of synthesizing the electronic signatures of multiple loan signatories with the loan form documents, thus completing the final preparation for signing the loan form.

[0140] In this embodiment, the data synthesis instruction records, but is not limited to, the path to the loan form file, the electronic signature data references of each signing entity, the signature location coordinate information, and the synthesis parameter configuration.

[0141] As can be seen from the above embodiments, by introducing an identity verification mechanism, it is ensured that only authorized signing entities can participate in the electronic signature synthesis, which enhances the security of the signing process, prevents unauthorized access, and improves the reliability of identity authentication through multi-factor authentication, thereby ensuring the integrity of loan form signing and further reducing business risks.

[0142] Figure 6 A schematic diagram of the processing device for signing loan forms provided in this application is shown below. Figure 6 As shown, the loan form signing processing device 60 provided in this embodiment includes: a first receiving module 601, a first acquiring module 602, a writing module 603, a creating module 604, a sending module 605, a synthesis module 606, and a detection module 607.

[0143] The first receiving module 601 is used to receive loan requests sent by the client, wherein the loan request records loan data and user information of multiple loan signing entities.

[0144] The first acquisition module 602 is used to obtain a loan form template based on loan data and user information of multiple loan signing entities, wherein the loan form template is pre-stored in a block of the blockchain.

[0145] The writing module 603 is used to write loan data into the loan form template and generate a loan form file.

[0146] Create module 604, which is used to create form signing tasks based on loan form files and user information of multiple loan signing entities.

[0147] The sending module 605 is used to send form signing tasks to the clients of multiple loan signing entities, so that the multiple loan signing entities can sign loan form files according to the form signing tasks and generate electronic signatures.

[0148] The synthesis module 606 is used to synthesize the electronic signatures of multiple loan signatories with the loan form file to generate a signed loan form file.

[0149] The detection module 607 is used to perform security checks on the signed loan form file according to the preset blockchain smart contract. If the check passes, the signing of the loan form is completed.

[0150] In one embodiment of this application, the synthesis module 606 includes:

[0151] The first extraction unit is used to extract the coordinates of the signature areas corresponding to multiple predefined signing entities in the loan form file based on the loan form template, and generate a signature coordinate mapping table.

[0152] The first parsing unit is used to parse the identity identifiers of multiple loan signatories based on their electronic signatures and generate a list of signatories.

[0153] The query unit is used to query the electronic signature image data of each signatory from the electronic signature database based on the list of signatory entities, and generate an electronic signature dataset.

[0154] The embedding unit is used to embed the electronic signature image data of each signatory in the electronic signature dataset into the signature area coordinates of the loan form file according to the signature coordinate mapping table, thereby generating the form image data with embedded signature.

[0155] The conversion and synthesis unit is used to convert and synthesize the form image data after embedding the signature, and generate the intermediate file of the signed loan form.

[0156] The format conversion unit is used to convert the format of the signed loan form intermediate file through the document generation engine, and generate a signed loan form file.

[0157] In one embodiment of this application, the embedding unit includes:

[0158] The extraction sub-unit is used to extract the coordinate values ​​of the target signature area corresponding to the signing entity to be processed based on the signature coordinate mapping table.

[0159] Create a sub-cell to create an image layer on top of the image data in the loan form file, based on the coordinates of the target signature area.

[0160] The generation sub-unit is used to render the electronic signature image data of each signing entity onto the image layer through pixel rendering, and generate form layer data configured with electronic signatures.

[0161] The compositing subunit is used to composite the form layer data configured with electronic signatures with the background layer of the loan form file to generate form image data with embedded signatures.

[0162] In one embodiment of this application, the writing module 603 includes:

[0163] The second parsing unit is used to parse the template structure and identify variable placeholders based on the loan form template, and generate a template variable list.

[0164] The second extraction unit is used to extract data fields and values ​​from the loan data, generating a set of loan data key-value pairs.

[0165] The mapping matching unit is used to perform mapping matching between variables and data keys based on the template variable list and the loan data key-value pair set, and generate data filling mapping relationships.

[0166] The fill cell is used to fill in the data mapping relationship and loan form template according to the data. It fills the data values ​​into the template variable positions through variable substitution to generate the filled loan form.

[0167] The generation unit is used to standardize the filled-in loan form and generate a loan form file.

[0168] In one embodiment of this application, the loan form signing processing device 60 further includes:

[0169] The calculation module is used to calculate the hash value of the signed loan form using a hash algorithm.

[0170] The first generation module is used to generate blockchain transaction data based on the hash value of the loan form and the timestamp of the loan form signing.

[0171] The signature module is used to digitally sign blockchain transaction data based on the signing private key, generating signed blockchain transaction data.

[0172] The broadcast module is used to broadcast signed blockchain transaction data to the blockchain network through the node interface, so that the blockchain network can create blockchain storage certificates based on the signed blockchain transaction data, and store the signed blockchain transaction data in the blockchain storage system based on the blockchain storage certificates.

[0173] In one embodiment of this application, the loan form signing processing device 60 further includes:

[0174] The second acquisition module is used to obtain identity verification configuration information based on the identity information of the loan signing entity. The identity verification configuration information includes at least one type of verification factor and the corresponding reference data storage location.

[0175] The second generation module is used to generate authentication requests based on authentication configuration information and send the requests to multiple loan signing entities through a secure communication interface.

[0176] The second receiving module is used to receive verification factor data generated by multiple loan signing entities based on identity verification requests.

[0177] The comparison module is used to compare the password data in the verification factor data with the password hash value stored in the user database to generate a password verification result.

[0178] The third generation module is used to generate a data synthesis instruction if the password verification result is successful. The data synthesis instruction is used to synthesize the electronic signatures of multiple loan signing entities with the loan form file.

[0179] The loan form signing processing device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0180] Figure 7 A schematic diagram of the processing equipment used for signing the loan form provided in this application. Figure 7 As shown, the loan form signing processing device 70 provided in this embodiment includes at least one processor 701 and a memory 702. Optionally, the loan form signing processing device 70 further includes a communication component 703. The processor 701, memory 702, and communication component 703 are connected via a bus.

[0181] In the specific implementation process, at least one processor 701 executes computer execution instructions stored in memory 702, causing at least one processor 701 to execute the above-mentioned loan form signing processing method.

[0182] The specific implementation process of processor 701 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0183] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0184] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0185] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0186] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described loan form signing processing method.

[0187] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described loan form signing processing method.

[0188] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0189] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0190] The division of units is merely a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0191] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0192] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0193] If a function is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0194] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0195] Finally, it should be noted that other embodiments of the invention will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention that follow the general principles of the invention and include common knowledge or customary techniques in the art not disclosed herein, and is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of the invention is limited only by the appended claims.

Claims

1. A method for processing loan form signing, characterized in that, include: Receive loan requests sent by clients, wherein the loan requests record loan data and user information of multiple loan signing entities; A loan form template is obtained based on the loan data and user information of multiple loan signatories, wherein the loan form template is pre-stored in a blockchain block; Write the loan data into the loan form template to generate a loan form file; Create a form signing task based on the loan form file and the user information of the multiple loan signing entities; The form signing task is sent to the clients of the multiple loan signing entities, so that the multiple loan signing entities sign the loan form file according to the form signing task and generate an electronic signature; The electronic signatures of the multiple loan signatories are combined with the loan form file to generate a signed loan form file; The signed loan form file is subjected to a security check according to a preset blockchain smart contract. If the check passes, the signing of the loan form is completed.

2. The method according to claim 1, characterized in that, The step of combining the electronic signatures of the multiple loan signatories with the loan form file to generate a signed loan form file includes: Based on the loan form template, extract the coordinates of the signature areas corresponding to multiple predefined signing entities in the loan form file, and generate a signature coordinate mapping table; The identity identifiers of the multiple loan signatories are parsed based on their electronic signatures to generate a list of signatories; Based on the list of signatories, the electronic signature image data of each signatory is retrieved from the electronic signature database to generate an electronic signature dataset; According to the signature coordinate mapping table, the electronic signature image data of each signing entity in the electronic signature dataset is embedded into the signature area coordinates in the loan form file to generate the form image data with embedded signature; The embedded signature form image data is converted and synthesized to generate a signed loan form intermediate file; The signed loan form intermediate file is converted into a new format using a document generation engine to generate a signed loan form file.

3. The method according to claim 2, characterized in that, The step of embedding the electronic signature image data of each signatory in the electronic signature dataset into the signature area coordinates of the loan form file according to the signature coordinate mapping table, to generate the form image data with embedded signatures, includes: Extract the coordinate values ​​of the target signature area corresponding to the signing entity to be processed based on the signature coordinate mapping table; Based on the coordinate values ​​of the target signature area, an image layer is created at the bottom layer of the image data in the loan form file; The electronic signature image data of each signing entity is rendered pixel by pixel and drawn onto the image layer to generate form layer data configured with electronic signatures; The form layer data configured with the electronic signature is combined with the background layer of the loan form file to generate form image data with the signature embedded.

4. The method according to claim 1, characterized in that, The step of writing the loan data into the loan form template and generating a loan form file includes: Based on the loan form template, the template structure is parsed and variable placeholders are identified to generate a template variable list; The loan data is subjected to data field extraction and value extraction to generate a set of loan data key-value pairs; Based on the template variable list and the loan data key-value pair set, perform mapping matching between variables and data keys to generate data filling mapping relationships; Based on the data filling mapping relationship and the loan form template, data values ​​are filled into template variable positions through variable substitution to generate a filled loan form; The filled-in loan form is standardized to generate a loan form file.

5. The method according to claim 1, characterized in that, The process of performing a security check on the signed loan form file, and if the check passes, completing the signing of the loan form, further includes: The hash value of the signed loan form is obtained by calculating the hash value of the loan form using a hash algorithm. Blockchain transaction data is generated based on the hash value of the loan form and the timestamp of the loan form signing. The blockchain transaction data is digitally signed using the signing private key to generate signed blockchain transaction data. The signed blockchain transaction data is broadcast to the blockchain network through the node interface, so that the blockchain network can create a blockchain storage certificate based on the signed blockchain transaction data, and store the signed blockchain transaction data in the blockchain storage system based on the blockchain storage certificate.

6. The method according to any one of claims 1 to 5, characterized in that, Before combining the electronic signatures of the multiple loan signatories with the loan form file to generate the signed loan form file, the method further includes: The identity verification configuration information is obtained based on the identity information of the loan signing entity, wherein the identity verification configuration information includes at least one type of verification factor and the corresponding reference data storage location; An authentication request is generated based on the authentication configuration information, and the request is sent to multiple loan contracting entities through a secure communication interface. Receive verification factor data generated by the multiple loan signing entities based on the identity verification request; The password data in the verification factor data is compared with the password hash value stored in the user database to generate a password verification result; If the password verification result is successful, a data synthesis instruction is generated, wherein the data synthesis instruction is used to synthesize the electronic signatures of the multiple loan signing entities with the loan form file.

7. A processing device for signing loan forms, characterized in that, include: The first receiving module is used to receive loan requests sent by the client, wherein the loan requests record loan data and user information of multiple loan signing entities; The first acquisition module is used to acquire a loan form template based on the loan data and user information of multiple loan signing entities, wherein the loan form template is pre-stored in a blockchain block; The writing module is used to write the loan data into the loan form template and generate a loan form file; A creation module is used to create a form signing task based on the loan form file and the user information of the multiple loan signing entities; The sending module is used to send the form signing task to the clients of the multiple loan signing entities, so that the multiple loan signing entities sign the loan form file according to the form signing task and generate an electronic signature; The synthesis module is used to synthesize the electronic signatures of the multiple loan signing entities with the loan form file to generate a signed loan form file; The detection module is used to perform security checks on the signed loan form file according to a preset blockchain smart contract. If the check passes, the signing of the loan form is completed.

8. A processing device for signing loan forms, characterized in that, include: Memory, processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory, causing the processor to perform the loan form signing processing method as described in any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the loan form signing processing method as described in any one of claims 1 to 6.

10. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the processing method for signing a loan form as described in any one of claims 1 to 6.

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