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WO2000067209A1 - Systeme de verification des effets de commerce - Google Patents

Systeme de verification des effets de commerce Download PDF

Info

Publication number
WO2000067209A1
WO2000067209A1 PCT/CN2000/000095 CN0000095W WO0067209A1 WO 2000067209 A1 WO2000067209 A1 WO 2000067209A1 CN 0000095 W CN0000095 W CN 0000095W WO 0067209 A1 WO0067209 A1 WO 0067209A1
Authority
WO
WIPO (PCT)
Prior art keywords
bank
bill
password
information
ticket
Prior art date
Application number
PCT/CN2000/000095
Other languages
English (en)
Chinese (zh)
Inventor
Tong Shao
Original Assignee
Tong Shao
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tong Shao filed Critical Tong Shao
Priority to AU39553/00A priority Critical patent/AU3955300A/en
Publication of WO2000067209A1 publication Critical patent/WO2000067209A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency

Definitions

  • the present invention relates to a bill inspection system, and in particular, to a bill inspection system that enables a receiver to check the reliability of a bill without leaking other bank information of the biller. Background technique
  • the object of the present invention is to propose a bill inspection system that enables the receiver to verify the legitimacy of the bill on the premise of ensuring the security of the drawer's information.
  • a bill inspection system including:
  • An information receiving device configured to receive ticket data and a ticket password from a ticket receiver,
  • the bill data includes a bank account number and a bill number, and the bill password corresponds to the bill number;
  • Customer database used to store funds information of bank customers
  • the ticket password database is used to store the ticket password information corresponding to the ticket number;
  • the check quota database is used to store the check quota information corresponding to the ticket number;
  • the customer identity authentication device is used to perform identity authentication for bank customers;
  • the ticket password verification device is configured to verify whether the ticket password received by the information receiving device is correct according to the ticket data received by the information receiving device, the ticket password, and the ticket password information stored in the ticket password database;
  • the comparison device is configured to determine whether the available funds in the bank account received by the information receiving device is not less than the number of the bill received by the receiving device according to the inspection limit information stored in the inspection limit database and the fund information stored in the customer database.
  • An inspection limit and an information return device for returning information to the receiver as to whether the password of the bill is correct, the inspection limit of the bill, and whether the available funds under the bank account are not less than the inspection limit.
  • it may further include a receiver communication device, and the receiver sends the bill data and the bill password to the bank through the device, and receives the information returned from the bank through the device.
  • it may further include a drawer communication device for communicating with the bank, and after confirming the identity of the bank's customer identity authentication device, a ticket password and check related to the drawer in the ticket password database may be set. Inspection quota in inspection quota library.
  • the bill data received by the bank's information receiving device from the receiver may further include the bill amount; the bank's comparison device also judges the information receiving device based on the check limit information stored in the check limit database. Whether the amount of received bills exceeds the check limit; banks can also include a fund deduction device for correct bill passwords, the amount of bills does not exceed the check limit, and there is a lot of available funds in the bank account When checking the limit, the fund withholding or redemption operation is performed according to the amount of the bill.
  • the receipt data received by the bank's information receiving device from the payee may further include the bill amount, and the information receiving device also receives the payment password from the payee; the bank's comparison device also stores The check limit information in the check limit database determines whether the amount of the bill received by the information receiving device exceeds the check limit.
  • the bank may further include: a payment password database for storing payment password information corresponding to the bill number; a payment password verification device For verifying whether the payment password received by the information receiving device is correct according to the payment password information stored in the payment password database; and a fund payment device for correcting the bill password, the bill amount does not exceed the check limit, and the available funds under the bank account When it is not less than the check limit and the payment password is correct, the fund payment operation is performed according to the amount of the bill.
  • a payment password database for storing payment password information corresponding to the bill number
  • a payment password verification device For verifying whether the payment password received by the information receiving device is correct according to the payment password information stored in the payment password database
  • a fund payment device for correcting the bill password, the bill amount does not exceed the check limit, and the available funds under the bank account When it is not less than the check limit and the payment password is correct, the fund payment operation is performed according to the amount of the bill.
  • the bank may further include a record loss report database for storing the report number of the loss report registered by the bank customer after identity authentication.
  • FIG. 1 is a schematic diagram of a bill inspection system of the present invention.
  • FIG. 2 shows a modified form of the ticket inspection system in FIG. 1.
  • the bill inspection system of the preferred embodiment of the present invention is composed of three devices: a drawer (a bank customer paying by a bill), a receiver, and a bank.
  • the issuer and the receiver each have a communication device 1, 2, which can be, for example, a telephone or computer terminal that communicates with a bank through a telephone line or a computer network.
  • the bank device includes: a communication device 3a, which may be, for example, a phone card, for communicating with the drawer communication device 1 and the receiver communication device 2; a customer database 3b, in which each bank customer is stored
  • the amount of funds and the fund deduction record the bill password library 3c, which stores the bill password information corresponding to the bill number; the check limit library 3d, which stores the bill check limit information corresponding to the bill number: the bill loss record database 3i, It is used to store the bank account customer's lost report number registered after identity authentication; the bill password verification device 3e; the comparison device 3f; the fund deduction device 3g: and the customer identity authentication device 3h.
  • Each bank customer obtains a master password, a bill book, and a bill password book corresponding to the bill number from the bank, and the master password is used as the basis for bank customer identity authentication.
  • the bank can encrypt the customer's identity authentication password and bill password with a one-way function and store it.
  • the bank customer can modify the ticket password in the ticket password database 3c through the communication device 1 through the customer identity authentication device 3h after verifying the master password.
  • a bank customer uses a bill for payment
  • a check limit corresponding to the bill number in the check limit library 3d is set.
  • the drawer can set a uniform inspection limit in advance, and only when the amount of the bill is greater than the uniform inspection limit, or when the amount of the bill is less than the uniform inspection limit and the drawer considers it necessary, modify it through the communication device 1 Inspection quota in inspection quota library 3d.
  • the drawer provides the ticket with the ticket password to the receiver.
  • the drawee dials the bank's inquiry number through the communication device 2 and enters the bill data such as the bank account number, bill number, and bill amount and the bill password according to the prompt after the call is connected-After the bill communication data and bill password are received by the bank communication device 3a, It is provided to the bill password verification device 3e, the comparison device 3f, and the fund deduction device 3g.
  • the ticket password verification device 3e verifies the received ticket password based on the ticket password information stored in the ticket password database 3c, and will provide information indicating whether the ticket password is correct Provided to the communication device 3a.
  • the comparison device 3f judges whether the amount of the ticket provided by the receiver exceeds its inspection limit according to the inspection limit information stored in the inspection limit database 3d, and provides the judgment result to the communication device 3a.
  • the fund deduction device 3g is in the customer database
  • the fund deduction device 3g performs a fund withholding operation based on the amount of the bill, that is, temporarily freezing this part of the funds in the drawer's account. Release the withholding and redeem the funds.
  • the fund deduction device 3g directly transfers the funds corresponding to the amount of the bill in the drawer's account to the account of the drawer.
  • the bank communication device 3a returns necessary information to the payee communication device 2, such as whether the note is valid with a password, whether the amount of the note exceeds the check limit, whether the note has been reported lost, whether there is sufficient funds in the account number of the note, and Whether the bank has withheld or redeemed the funds on behalf of the drawee, etc., it is better to return to the receiver communication device 2 a digital signature indicating that the bank has promised to withhold or redeem the funds.
  • FIG. 2 shows the structure of this improved ticket inspection system.
  • the difference between this system and the system in Figure 1 is that the bank has added a payment password library 3J and a payment password verification device 3K.
  • the payment password library 3J stores payment password information corresponding to the ticket number.
  • a bank customer draws with a bill
  • the bill provided to the receiver is accompanied by the bill password for the bill in addition to the bill password.
  • the payment password is also included in the information input by the drawer to the bank through the communication device 2.
  • the device on the bank side verifies that the ticket password entered by the receiver is correct, that the amount of the ticket does not exceed the check limit, and that the available funds under the bank account of the drawer are sufficient
  • the payment password verification device 3K it is also necessary to verify whether the payment password entered by the receiver is correct based on the payment password information stored in the payment password database 3J.
  • the fund payment device 3g only transfers the funds corresponding to the amount of the bill under the drawer's account to the account of the recipient, thereby further improving the security of bank customer funds.
  • the above description of the ticket inspection system of the present invention is for the purpose of illustration only and not a limitation of the present invention.
  • the system can be completely designed so that the bill data input by the receiver to the bank through the communication device does not include the amount of the bill, and the information returned by the bank communication device 3a to the receiver includes the inspection limit of the bill and the bill Whether the available funds under your account is not less than the inspection limit.
  • Such a system can also achieve the purpose of enabling the recipient of a ticket to query the legality of the ticket while at the same time limiting such query, which belongs to the scope of the present invention.
  • the bill inspection system of the present invention enables the drawee to obtain information from the bank through the communication device whether the bill is encrypted and valid, whether it has been reported lost, and whether there is sufficient funds in the drawer ’s account, which prevents the drawer from using forged bill , Reporting lost or short notes for fraud.
  • the system uses a fund deduction device to perform fund withholding or redemption operations on behalf of the drawer, it prevents the drawer from occupying funds after paying the bill, which makes it insufficient to pay the bill, or because of the maliciousness of the drawer
  • the receiver can take the initiative to protect the rights and interests by legal means.
  • the bill checking system of the present invention sets a checking limit database, it limits the amount of money that the receiver can check, so that it cannot know information that it should not know, such as the deposit balance under the drawer's account Accurate data to ensure the interests of the drawer.
  • the bill inspection system of the present invention enables the receiver to check the legitimacy of the bill upon receipt of the bill, improves the credibility of the bill, and brings convenience to both parties.
  • the system of the present invention is used for bill payment, when it is necessary to declare it invalid for some reason, for example, the correct password and seal of the bill may be lost due to carelessness, theft, or robbery.
  • the drawer can immediately use the main bank The password is reported to the bank for loss. Before applying for loss reporting, if someone has already used the ticket for shopping, obviously the loss should be borne by the drawer.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système de vérification des effets de commerce comprenant un dispositif de communication de l'émetteur, un dispositif de communication du récepteur, un dispositif de communication de la banque, une base de données du client, une banque de codes de l'effet de commerce, une banque de vérification des quotas, un dispositif de vérification de l'identité du client, un dispositif de vérification du code de l'effet de commerce ainsi qu'un dispositif de comparaison. Lors de l'utilisation de l'effet de commerce, l'émetteur remet au récepteur l'effet de commerce avec les données et le code. Le récepteur transmet les données et le code précités à l'établissement bancaire. Le dispositif de communication bancaire renvoie au récepteur les résultats de la vérification de l'effet de commerce, à savoir si le code est correct, si le quota est accepté et si les fonds déposés dans le compte sont suffisants pour effectuer le versement de l'effet de commerce.
PCT/CN2000/000095 1999-04-30 2000-04-21 Systeme de verification des effets de commerce WO2000067209A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU39553/00A AU3955300A (en) 1999-04-30 2000-04-21 Bank bill examining system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN99105363.X 1999-04-30
CN99105363A CN1236147A (zh) 1999-04-30 1999-04-30 票据查验系统

Publications (1)

Publication Number Publication Date
WO2000067209A1 true WO2000067209A1 (fr) 2000-11-09

Family

ID=5271967

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2000/000095 WO2000067209A1 (fr) 1999-04-30 2000-04-21 Systeme de verification des effets de commerce

Country Status (3)

Country Link
CN (1) CN1236147A (fr)
AU (1) AU3955300A (fr)
WO (1) WO2000067209A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108162612A (zh) * 2018-02-24 2018-06-15 北京宇信科技集团股份有限公司 可有效防止输出空白票据的自助票据签发方法及相应系统

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101071494B (zh) * 2007-06-20 2016-04-13 中国工商银行股份有限公司 一种实现票据密码验证的方法
CN106779709A (zh) * 2016-12-27 2017-05-31 中国建设银行股份有限公司 一种支票处理方法、客户端及处理器
CN106845275B (zh) * 2017-02-09 2019-08-06 中国科学院数据与通信保护研究教育中心 一种隐私保护的电子票据管理系统与方法
CN110827462A (zh) * 2019-11-11 2020-02-21 上海燕汐软件信息科技有限公司 一种票据认证方法、装置和设备

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
CN1114070A (zh) * 1994-06-24 1995-12-27 杨永兵 票据收发打印设备
CN1180872A (zh) * 1997-10-27 1998-05-06 余路 加密和自动验证银行票据的方法
CN1191359A (zh) * 1998-02-09 1998-08-26 杨振宁 “数码票据与数码印章”票据防伪认证法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
CN1114070A (zh) * 1994-06-24 1995-12-27 杨永兵 票据收发打印设备
CN1180872A (zh) * 1997-10-27 1998-05-06 余路 加密和自动验证银行票据的方法
CN1191359A (zh) * 1998-02-09 1998-08-26 杨振宁 “数码票据与数码印章”票据防伪认证法

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108162612A (zh) * 2018-02-24 2018-06-15 北京宇信科技集团股份有限公司 可有效防止输出空白票据的自助票据签发方法及相应系统
CN108162612B (zh) * 2018-02-24 2023-09-26 北京宇信科技集团股份有限公司 可有效防止输出空白票据的自助票据签发方法及相应系统

Also Published As

Publication number Publication date
AU3955300A (en) 2000-11-17
CN1236147A (zh) 1999-11-24

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