CN101097626A - System and method for monitoring remittance draft with electronic label - Google Patents
System and method for monitoring remittance draft with electronic label Download PDFInfo
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- CN101097626A CN101097626A CNA2006100901446A CN200610090144A CN101097626A CN 101097626 A CN101097626 A CN 101097626A CN A2006100901446 A CNA2006100901446 A CN A2006100901446A CN 200610090144 A CN200610090144 A CN 200610090144A CN 101097626 A CN101097626 A CN 101097626A
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Abstract
The invention discloses a kind of supervisory method for financial bill with electric label, and said method includes: response the issuing requirement received by customer by client, and the supervisory sever registers and sends the draft information corresponding with issuing requirement to customer; the supervisory sever generates and registers the reading command after passing the identification according to the draft information by identifying the terminal and draft information sent by customer and the financial bill ID of electric label on the financial bill, and writes the information of financial bill protected by the reading command from terminal in the electric label, and issues the financial bill; the identifying terminal which receive the financial bill requires for the reading command and issuing information registered on the supervisory sever, and it identify the read command stored in electric label of financial bill and the financial bill ID to display the information of financial bill and realize the operation.
Description
Technical field
The present invention relates to a kind of supervisory systems and method that has the draft of electronic tag, can guarantee that draft is in the reliability of signing and issuing, inquiring about and honouring process, authenticity, ageing and accuracy.
Background technology
The past banker's acceptance bill in use supervision and false proof mainly be to rely on the resulting information of manually-operated, such information all has problems at aspects such as reliability, authenticity, ageing, accuracys, make the supervision of draft and false proofly always can not get a desired effect, and sustain losses severely.
The problem that occurs in the past acceptance bill management:
The situation of drawing a bill that when draft is signed and issued, draw a bill that capable credit is examined, audit department does not have the objective information approach that is not subjected to artificial control to go to manage the unit of drawing a bill of basic unit forms the information tomography, and causing makes out an invoice in violation of rules and regulations realizes when becoming unreachable;
Even if the corresponding credit system that has that has is registered audit, still still do not break away from the factor of artificial control, there is false information, disturbed the judgement of administrative authority, so also can produce the problem of making out an invoice and can not in time realize in violation of rules and regulations;
In the transfer of draft, the process of discounting, honouring, because objectively technological means is distinguished and the true and false of draft equally also allowed false tickets, clone's ticket etc. bring tremendous loss for individual and country.
At these problems, the present invention can adopt following method to solve:
Set up online enrollment mechanism, draft is when signing and issuing, the draft of the unit of drawing a bill of basic unit is signed and issued the work meeting and is registered to automatically in the supervisory systems, and system can provide modes such as automatic report generation, inquiry to confess the draft that the capable credit of ticket is examined, audit department is in time supervised grass-roots unit and sign and issue situation.
When using online registration authentication module, influence the authenticity that basic unit's draft is signed and issued information for fear of artificial interference, adopt technology-RFID electronic tag full automatic, contactless identification to identify each draft, agreement all must write down operation and information on the draft electronic tag by supervisory systems when making out an invoice at every turn automatically, thereby avoids artificial factor fully.
Use the good antiforge function of electronic tag, finish anti-fake effect, and the process of anti-counterfeit recognition do not need the judgement of people's subjectivity, judge automatically by supervisory systems and identification terminal fully, and inform user result draft.
Use electronic tag IC chip to be used for the false proof following problem that faces:
Arbitrarily general read write line carries out unconfined read-write to electronic tag, obtains the information in the label, thereby copys, forges, clone etc.;
The manufacturer of electronic tag IC chip can not definitely guarantee can not occur the IC chip of same manufacturer numbering, thereby makes its so-called uniqueness can not obtain absolute assurance;
Existing electronic tag seldom uses or uses relatively short password to come the electronic tag internal information is encrypted, easily by the malicious user password cracking, thus the information of reading;
Usually the ID authentication mechanism authenticating party when authenticating based on electronic tag requires a hardware-electronic tag, has only label possessor ability certified.Can effectively prevent password conjecture like this, but introduce a serious defective: system only recognizes label and does not recognize people, and label may be lost, pick up or steal the people of the label identity that will be easy to palm off the original holder.
In order to overcome the above problems, the present invention can adopt following several means:
Use SAM Secure Application Module is authorized identification terminal and is registered.Do not insert the identification terminal of SAM card, can not communicate with the electronic tag on the draft, can not with the supervision server on-line communication.
In the initialization procedure of draft electronic tag, electronic tag is numbered again, and includes blank credential management database in, realize that a ticket, is signed, the corresponding one by one management of a numbering.
Add the inferior function of password trial limit when password protection is adopted in draft electronic tag data zone, can thoroughly avoid exhaustive password cracking.
Problem for ticket, label are lost in solution adopts the double factor authentication mode, has both required the final user to import a checking password, requires the draft of tape label itself again.Like this, neither worry lose (as long as password does not leak) of ticket, do not worry the leakage (as long as ticket is not lost) of password again.
Summary of the invention
In order to overcome above-mentioned defective, the present invention has been proposed.The objective of the invention is to propose a kind of supervisory systems and method that has the financial document of electronic tag, can guarantee that financial document is in the reliability of signing and issuing, inquiring about and honouring process, authenticity, ageing and accuracy.
According to the present invention, a kind of monitoring and managing method that has the financial document of electronic tag has been proposed, described method comprises: the request of signing and issuing that response receives from the client by client, supervision server are registered and are sent and the described corresponding information of drawing a bill of request of signing and issuing to the client; Supervision server is according to the corresponding information of being registered of drawing a bill, by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, generate and register and read password, and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document; And the identification terminal request supervision server of receiving described financial document is correspondingly read password and the information of drawing a bill according to what register, that is stored in the electronic tag of identification and authentication financial document reads password and financial document ID, to carry out the demonstration of financial document information or to honour operation.
Preferably, described supervision server registration and send with the described step of signing and issuing the corresponding information of drawing a bill of request to the client also comprises: supervision server authenticates the request of signing and issuing from the client, confirm whether should send the information of drawing a bill accordingly to described client, when authentication success, register and send and the described corresponding information of drawing a bill of request of signing and issuing to the client.
Preferably; describedly write in the electronic tag by the described financial document information that reads password protection by identification terminal also to comprise with the step of signing and issuing described financial document: whether checking financial document information correctly is written in the electronic tag of financial document; and correctly write in financial document information under the situation of electronic tag; activate described electronic tag, to realize signing and issuing of financial document.
Preferably, read password and the financial document ID that are stored in the electronic tag of described identification and authentication financial document also comprise the demonstration of financial document information or the step of honouring operation to carry out: supervision server authenticates by the financial document ID in the electronic tag of the financial document of identification terminal input the client; When financial document ID authentication success, supervision server is to authenticating by the password that reads in the electronic tag of identification terminal input; Reading password authentication when success, described identification terminal utilizes the described password that reads, and obtains corresponding financial document information, to carry out the demonstration of financial document information or to honour operation.
Preferably, the information transmission between described supervision server and the identification terminal all adopts the encryption and decryption mode to realize, comprises the encryption and decryption to the digital digest of information.
Preferably, the described information of submitting by identification terminal identification and authentication client of drawing a bill and be attached to the step of the financial document ID in the electronic tag on the financial document and the electronic tag of described identification and authentication financial document in the step that reads password and financial document ID of being stored also comprise respectively: the vendor id that identification is also stored in the electronic tag of authentication financial document.
Preferably, the described generation step that reads password comprises: according to financial document vendor id, electronic banking bill ID, write Termination ID, accepting bank's Institution Code, financial document one or more the generating in enrollment time and read password.
According to the present invention, a kind of supervisory systems that has the financial document of electronic tag has also been proposed, described system comprises: supervision server, and the request of signing and issuing that response receives from the client by client is registered and is sent and the described corresponding information of drawing a bill of request of signing and issuing to the client; According to the corresponding information of being registered of drawing a bill, by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, generate and register and read password, and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document; And according to the corresponding password and the information of being registered of drawing a bill of reading, that is stored in the electronic tag of identification and authentication financial document reads password and financial document ID, to carry out the demonstration of financial document information or to honour operation; The a plurality of clients that link to each other with supervision server, be used to read the information on the electronic tag of financial document and be delivered to supervision server, to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document; In the electronic tag of the financial document of receiving, stored read the authentication success of password and financial document ID the time, carry out the demonstration of financial document information or honour operation; And the financial document that has electronic tag.
Preferably, described system also comprises the authenticated exchange server, is used for when cross-platform transaction, as the media of the exchange of the authentification of message between each platform.
Preferably, described supervision server comprises: safety management module is used to realize the key management of the data communication between supervision server and the identification terminal; The password management module is used for according to financial document vendor id, electronic banking bill ID, writes one or more the generating of Termination ID, accepting bank's Institution Code, financial document enrollment time and read password; Online registration authentication module, the corresponding information of drawing a bill of request is sent and signed and issued to registration also to the client that needs are signed and issued financial document; Discern and authenticate the financial document ID in client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, register the described password that reads; And according to the corresponding password and the information of being registered of drawing a bill of reading, that is stored in the electronic tag of identification and authentication financial document reads password and financial document ID, to carry out the demonstration of financial document information or to honour operation.
Preferably, described identification terminal comprises: the terminal applies module; Under the control of operating personnel or supervision server, the operation of terminal security application module and terminal processing module is controlled; The terminal security application module; Be used to realize the key management of the data communication between supervision server and the identification terminal; Terminal processing module, read the information on the electronic tag of financial document and be delivered to supervision server, to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document; In the electronic tag of the financial document of receiving, stored read the authentication success of password and financial document ID the time, carry out the demonstration of financial document information or honour operation.
According to the present invention, a kind of monitoring and managing method that has the financial document of electronic tag has also been proposed, described method comprises: the request of signing and issuing that response receives from the client by client, supervision server are registered and are sent and the described corresponding information of drawing a bill of request of signing and issuing to the client; Supervision server is according to the corresponding information of being registered of drawing a bill; by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document; when authentication success; generate and register and read password; and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document.
Preferably, described supervision server registration and send with the described step of signing and issuing the corresponding information of drawing a bill of request to the client also comprises: supervision server authenticates the request of signing and issuing from the client, confirm whether should send the information of drawing a bill accordingly to described client, when authentication success, register and send and the described corresponding information of drawing a bill of request of signing and issuing to the client.
Preferably; describedly write in the electronic tag by the described financial document information that reads password protection by identification terminal also to comprise with the step of signing and issuing described financial document: whether checking financial document information correctly is written in the electronic tag of financial document; and correctly write in financial document information under the situation of electronic tag; activate described electronic tag, to realize signing and issuing of financial document.
Preferably, the information transmission between described supervision server and the identification terminal all adopts the encryption and decryption mode to realize, comprises the encryption and decryption to the digital digest of information.
Preferably, described step by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document also comprises: identification also authenticates the vendor id of being stored in the electronic tag of financial document.
Preferably, the described generation step that reads password comprises: according to financial document vendor id, electronic banking bill ID, write Termination ID, accepting bank's Institution Code, financial document one or more the generating in enrollment time and read password.
According to the present invention, a kind of supervisory systems that has the financial document of electronic tag has also been proposed, described system comprises: supervision server, and the request of signing and issuing that response receives from the client by client is registered and is sent and the described corresponding information of drawing a bill of request of signing and issuing to the client; According to the corresponding information of being registered of drawing a bill, by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, generate and register and read password, and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document; The client that links to each other with supervision server, be used to read the information on the electronic tag of financial document and be delivered to supervision server, to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document; And the financial document that has electronic tag.
Preferably, described system also comprises the authenticated exchange server, is used for when cross-platform transaction, as the media of the exchange of the authentification of message between each platform.
Preferably, described supervision server comprises: safety management module is used to realize the key management of the data communication between supervision server and the identification terminal; The password management module is used for according to financial document vendor id, electronic banking bill ID, writes one or more the generating of Termination ID, accepting bank's Institution Code, financial document enrollment time and read password; Online registration authentication module, the corresponding information of drawing a bill of request is sent and signed and issued to registration also to the client that needs are signed and issued financial document; Discern and authenticate the financial document ID in client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, register the described password that reads.
Preferably, described identification terminal comprises: the terminal applies module; Under the control of operating personnel or supervision server, the operation of terminal security application module and terminal processing module is controlled; The terminal security application module; Be used to realize the key management of the data communication between supervision server and the identification terminal; Terminal processing module; read the information on the electronic tag of financial document and be delivered to supervision server; to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document.
According to aforesaid the present invention, the draft supervision and the false proof method and system of a kind of " machine pipe data " proposed, adopt second carrier---the electronics draft of microminiaturized electronic tag as draft information, electronics draft and papery draft are bonded as one.In the management of draft and false proof process, do not need artificial participation; automatically the electronics draft is finished by supervisory systems; guarantee that draft information is the most reliable, the truest, the most timely, the most accurate, make supervision and false proof effect reach best, original system is not had any impact again simultaneously.
Three key elements of draft information that each Zhang Youxiao banker's acceptance bill all must possess correct draft papery ticket information, draft electronic ticket surface information and register in monitoring information system.Wherein the papery ticket information is to use traditional means to print when signing and issuing.Other boths are operated by monitoring information system.
Adopt RFID recognition technology, digital signature and encryption technology, SAM card Secure Application technology, automatic password distribution technology that acceptance bill is carried out uniqueness, authenticity identification among the present invention; make draft not by counterfeit, forgery; by online authentication of operation and record, guarantee the authenticity of draft simultaneously to draft electronic tag IC chip.
Supervision server generates the draft unique number among the present invention, and by identification terminal draft numbering, draft information is write in the accompanying electronic tag of draft; Supervision server is sealed mandate by the encrypted card mode to identification terminal, has only can decipher supervision through the identification terminal of authorizing and serve the electronic tag that is sent and read password, thereby reads the interior draft data of draft radio-frequency (RF) tag; The storer of the electronic tag on the draft comprises the IC supplier number and the user data area that can directly read in the manufacturer data district at least and must use password to read interior IC Customs Assigned Number, draft information.
The flow process of banker's acceptance bill supervision Antiforge system comprises at least:
The mandate of identification terminal: supervision server is provided the mode of key to the identification terminal mandate by external encrypted card;
The initialization of draft IC: write IC except supplier number when draft dispatches from the factory in the bill printing house with electronic tag, the SAM card that also will use commercial bank to authorize, write IC draft numbering, generate the Card Reader key simultaneously, and this IC supplier number and draft numbering can be recorded in the blank credential management database of specialized bank's supervision server, and it is invalid that the electronic tag of un-noted in the storehouse is regarded as;
Signing and issuing of draft: when bank issues the bill of exchange, identification terminal will read the supplier number of draft electronic tag IC, and itself and draft are signed and issued lot number information send to supervision server, numbering by supervision server inquiry " blank voucher management system ", confirm its whether blank voucher, the blank really digital digest of then noting down and generating this draft ticket information, the user data area password that is generated in conjunction with the password management module, write draft IC user data area, whole process need not manual intervention;
The inquiry of draft: when draft is inquired about by bank, inquiry terminal will read supplier number and the draft numbering of draft IC, simultaneously information such as IC supplier number, draft numbering, identification terminal numbering be sent to supervision server; Supervision server will be checked (inconsistent with one's own profession as the draft numbering according to IC draft numbering with data-base recording, then send to People's Bank of China's swap server, forwarding corresponding commercial bank to inquires about), check the authenticity of its draft, checking the digital digest that the user data area of this IC can be read password and draft information by, supervision server encrypts and sends to identification terminal; Identification terminal uses password to read the draft data and generate digital digest by SAM card deciphering back, and whether checking conforms to the digital digest preserved on the supervision server.
Description of drawings
Below in conjunction with the detailed description of preferred embodiment of accompanying drawing to being adopted, above-mentioned purpose of the present invention, advantage and feature will become apparent by reference, wherein:
Fig. 1 shows the block scheme according to the supervisory systems of the draft that has electronic tag of the embodiment of the invention;
Fig. 2 shows the information format figure in the electronic tag on the draft of being attached to according to the embodiment of the invention;
Fig. 3 shows the synoptic diagram according to the key distribution flow process of the embodiment of the invention;
Fig. 4 shows the process flow diagram according to the process of signing and issuing of the draft that has electronic tag of the embodiment of the invention; And
Fig. 5 shows according to the demonstration of the draft information that has electronic tag of the embodiment of the invention or honours the process flow diagram of process.
Embodiment
Describe according to a preferred embodiment of the invention below with reference to the accompanying drawings.
Fig. 1 shows the block scheme according to the supervisory systems of the draft that has electronic tag 30 of the embodiment of the invention.
As shown in Figure 1, the supervisory systems according to the draft that has electronic tag 30 of the embodiment of the invention comprises: supervision server 10, identification terminal 20 and have the draft 30 of electronic tag.In order to realize cross-platform transaction, described supervisory systems can also comprise authenticated exchange server 40.
Described supervisory systems comprises: online registration authentication module 101, safety management module 102 (SAM card dissemination system) and password management module 103.Online registration authentication module 101 is used for draft 30 and signs and issues.Described SAM card dissemination system is used for authorization terminal.Described password management module 103 is used for electronic tag and reads password and generate automatically, distribute, use, destroy.The major function of described online registration authentication module 101 and effect are as follows:
■ obtains and sets up the record of bill of exchange electronic tag, and only the draft that electronic tag identified 30 of the band of blank that exists in this system or non-blank-white numbering is effective draft.
■ writes down and checks the numbering and the draft information of electronic tag when signing and issuing, the unit of making out an invoice of basic unit was issuing the bill of exchange 30 o'clock, must operate by issue the bill of exchange 30 electronic tag of 20 pairs of identification terminals, online registration authentication module 101 can be examined and will generate relevant draft message digit summary to the electronic tag numbering and leave in the system, is used for later verification.It should be noted that online registration authentication module 101 when the new draw drafts information of record, it is online needn't requiring identification terminal 20, only requires that identification terminal 20 data upload of will drawing draft gets final product.
During ■ identification terminal 20 inquiry, write down and search corresponding electronic label number information and draft information, and return draft 30 authenticities judgement, user data area read password, draft message digit summary.
■ provides draft 30 is signed and issued the function that manages, and the means of automatic report generation or artificial enquiry are used for supervision department signing and issuing of draft 30 checked.
■ provides the data-interface with password management module 103, SAM authentication management module, blank credential management database (not shown), makes the supervision of draft 30 more effective.
The process of signing and issuing, inquiring about and honouring of bill is all registered and is checked on supervision server 10 by intelligent label, thus loss and the infringement of avoiding artificial operation fully to bring.Identification terminal 20 through this system authorization is believable, and the draft numbering and the draft information of this system decrypts of process are authentic and valid.
Described password management module 103 is important component parts of supervision server 10 " machine pipe data ", it is the management system that password generates automatically, issues and obtains, its role is to make the read-write password use full automation of electronic tag user data area, without any need for manual intervention, draft 30 is signed and issued in the process operating personnel and password is understood, grasped need not, thus stop fully operating personnel according to password carry out that draft information is stolen, counterfeit, forgery etc. may.When password administration module 103 is received getting password when instruction of authorization terminal read write line, system according to the write time, write Termination ID, draft ID etc. and calculate and draw corresponding password, and this password sent to authorization terminal in the mode of ciphertext, terminal is carried out password deciphering, and this password is used for the electronic tag user data area reads.
The essence of described safety management module 102 is exactly a cover key management system, and target is exactly to produce electronic label read-write and the required various keys of authentication operation safely, and it is installed in respectively in supervision server 10, SAM card and the electronic tag.Guarantee between above all modules key in the communication link generate with transmittance process in security and consistance, realize centralized key management.Key only exists in the card, all adopts ciphertext in importing/derivation process.Key card and two approach of transmission card are all adopted in the transmission of key, have only and take key card and transmission card thereof simultaneously, just can carry out the importing and the derivation of key.Can adopt the DES, Triple DES, MAC, the key decentralized algorithm that meet " China's finance integrated circuit (IC) calliper model " to design according to system of the present invention.The root center of this system is built up in the People's Bank's (as example), and key management module is installed in each general headquarters of commercial bank (as example), and key production module should be installed in each commercial bank hair fastener center.The level of security of having relatively high expectations in these places also must be equipped with strict management rules system simultaneously.
As key management system, safety management module 102 comprises following a few partial function:
Generation, storage, backup/restoration, filing and the destruction of self key;
For communicating by letter with the safety encipher between authentication registration mechanism, identification terminal 20, the electronic tags such as each commercial bank, bill printing house, authentication center of the People's Bank provides the security key management service;
Determine client's cryptographic key existence cycle, implement that key is revoked and new management more;
Provide keys at different levels to generate and distribution services.
Described identification terminal 20 is used to distinguish the draft electronic tag.And described identification terminal 20 can also comprise the SAM Secure Application Module, is responsible for carrying out secure communication with monitoring information system.The radio electronic label with SAM (Secure Application Module) security mechanism that is applied to draft 30 supervisory systemss is signed and issued, verification terminal is referred to as identification terminal 20, and the SAM card is all issued by Notified body.According to the identification terminal in the supervisory systems of the present invention 20 is the hardware read write line and the software module thereof of the electronic tag of draft 30 special-purpose under discerning.
Described identification terminal 20 comprises terminal applies module 201, terminal security application module 202 and terminal processing module 203.
Described terminal applies module 201 is used to accept the operational order of operating personnel or supervision server 10, the request of sending encryption and decryption simultaneously to Secure Application Module, and the corresponding electronic label read write command sent to terminal processing module 203, in addition will be to supervision server 10 Data transmission, and provide data-interface for other software and hardwares.
The safe operation part that described terminal security application module 202 is identification terminals 20 is finished the mandate of supervisory systems to identification terminal 20, and the encryption and decryption for data provides key in the electronic label identification process.These means can be refused unauthorized device to the reading of electronic tag data, equipment when read-write, a physical channel of data just.Can well guarantee the security of terminal:
◆ the data of communicating by letter between supervision server 10 and the identification terminal 20 are carried out encryption and decryption, guarantee safety of data.Sign and issue or all must carry out the online ciphertext that reads password that could reduce the electronic tag user data area when verifying with supervision server 10;
◆ communicating by letter of identification terminal 20 and electronic tag carried out key verification, judge the authenticity of terminal.The SAM card of identification terminal 20 and the communication key on the electronic tag are by generating in the unified key management system, and identification terminal 20 must have the key that reads of electronic tag, could carry out read-write operation to electronic tag.
Described terminal processing module 203 is radio-frequency (RF) identification hardware and operation part, be specifically finish terminal applies module 201 instruction of sending execution module.
It is emphasized that the identification terminal 20 of not obtaining the authorization can not be online with supervision server 10, can not operate that the label of encrypting transmission that can not decipher supervision server 10 generations reads password to special-purpose draft electronic tag.
Described authenticated exchange server 40 is used for the draft message exchange and the authentication of inter-bank when inter-bank inquiry or transaction.Be deployed in authenticated exchange server 40, the interchange channel of information when being the inquiry of draft inter-bank such as the People's Bank.When inter-bank inquiry behaviors take place in draft 30, can resolve the draft coding that the online registration authentication module 101 of commercial bank is sent up, find the accepting bank of this ticket, and the draft information that will inquire about, honour sends to accepting bank and handles.The core of authenticated exchange server 40 is draft 30 commercial banking institutions set up number and the draft supervision server IP of commercial bank address translation table.40 of authenticated exchange servers need the commercial banking institution number in the identification draft numbering, the query requests of this draft 30 can be sent to corresponding commercial bank, and will look into multiple information and return to inquiry mechanism.The online registration authentication module 101 of inquiry row of inquiry row is when judging whether the inter-bank inquiry, according to the commercial banking institution code section of reading the electronics draft ID that terminal sends up, if conform to this line code, the safety management module 102 and the password management module 103 that then send to one's own profession are handled, if be not inconsistent with the one's own profession Institution Code, then whole query message is sent to authenticated exchange server 40 (, being positioned at People's Bank of China), and wait for its return results as example.After authenticated exchange server 40 is received query message, judge according to banking institution's code section of electronics draft ID equally, the table of comparisons of inquiry accepting bank's Institution Code and its supervision server 10IP, and this query message sent to corresponding accepting bank supervision server 10, and wait for its return results.Accepting bank's supervision server 10 will be carried out the draft information inquiry according to the electronics draft ID in the query message, and Query Result is returned.
By way of parenthesis, the coding rule of electronics draft 30 must satisfy the requirement of uniqueness, also wants the accepting house that can express draft 30 simultaneously.
Electronics draft ID (identifier) is made up of following two parts at least:
The commercial banking institution code that ■ the People's Bank distributes, the Institution Code of different bank are scarcely together.
The digital code that ■ commercial bank distributes.
Fig. 2 is the information format figure in the electronic tag on the draft 30 of being attached to according to the embodiment of the invention.
The present invention proposes have non-reproduction, uniqueness, and to user data and read password and carry out the electronic tag that digital signature is encrypted.
As shown in Figure 2, this electronic tag contains a plurality of storeies, and described a plurality of memory blocks are divided at least: manufacturer data district, Bank Number district and user data area.
The manufacturer data district is used for the vendor id of store electrons label, is used for indicating the uniqueness of electronic tag IC of dispatching from the factory, and this zone openly can read, but can not rewrite.The uniqueness draft ID that Bank Number district storage user distributes for this IC, this draft ID is stored in the Bank Number district with clear-text way, and its read-write is not subjected to password protection.User data area has been stored the detailed row of drawing a bill and has been write Termination ID, draft information and user rs authentication sign indicating number, and these information are stored in user data area with clear-text way, and it reads and is subjected to password protection.
To specifically describe the content of each memory block below.
■ manufacturer data district
◆ vendor id
● the scope of authority discloses readable
● write during manufacturers produce
● the check and correction first time (draft electronic tag physical hardware authenticity) of card uniqueness
● be that user data area reads one of key composition of password ciphertext
■ Bank Number district
◆ be used to calculate the draft digital signature after identification terminal 20 reads, and the signature that is sent with supervisory systems record compares, judge the true and false (uniqueness) of draft information
◆ draft ID
● the voucher code (supervisory systems generates automatically) that the commercial banking institution code that the People's Bank distributes+commercial bank distributes
● write when signing and issuing
● the check and correction first time (authenticity of draft electronic tag logical message) of card uniqueness
● be that user data area reads one of key composition of password ciphertext
The ■ user data area
◆ the read-write password protection, enable counter simultaneously and prevent exhaustive cracking
◆ be used to calculate the draft digital signature after identification terminal 20 reads, and the signature that is sent with supervisory systems record compares, judge the true and false (uniqueness) of draft information
◆ sign and issue Termination ID
● sign and issue the numbering (digital signature or expressly all can) that row is signed and issued terminal
● write when signing and issuing
● indicate the non repudiation of this draft 30
◆ the draft ticket information
● the essential information that draft 30 is signed and issued (identical) with the papery nominal value
● write when signing and issuing
◆ the draft identifying code that the user holds
● write when signing and issuing
● by the draft identifying code that the user provides and holds, guarantee the private ownership of draft 30 electronic information
● make draft 30 have the characteristic that need not to report the loss
● offer the user in password envelope mode, or fill in during by user applies
Fig. 3 is the key distribution flow process according to the embodiment of the invention.
In the present invention, key distribution is one of most important flow process in the system.
The purpose of whole supervisory systems is exactly to set up for the safety of draft, so all system modules all comprise security set, and key is a condition precedent of guaranteeing that total system can operate as normal.
Key management system step when distributed key is as follows:
1. wash card.When electronic tag production firm purchases blank IC, the safety of card when needing to guarantee transmission, production firm provides to wash card master card and wash card master card and authenticates and block, manufacturing key when being used for substitute I C and dispatching from the factory, after washing card and finishing, commercial bank can be as required, and the key that carry out one's own profession to IC is dress down.
2. the distribution leader blocks.Leader's card is the card that the person in charge holds, and several leader's cards can be arranged, and is used for producing jointly the system master key, and leader's card adopts the contact type CPU card design, the personal identification number protection.
3. issue master control key card and transmission card.Deposit the master control key, be used for disperseing to derive each commercial bank's master key, the master control key card is protected by transmission card.
4. issue commercial Routing Number card.By input commercial bank of competent authorities of the People's Bank code, leave in commercial bank's coded card, be used for disperseing to derive commercial bank's master key.
5. issue commercial bank's master key master card, commercial bank's master key master card transmission card.Deposit each commercial bank's master key, be used to issue the master card of the corresponding SAM of bank card master card and electronics draft.
6. issue SAM card master card and SAM card master card transmission card.Be used to issue the SAM card, realize the transmission of key.
7. issue electronics draft master card, electronics draft master card transmission card.Calculate each sector key when being used for the distribution of electronics draft and carry out dress under the key.
8. issue the SAM card.Be used to authenticate electronic tag, and reach the reading of certain sector data in the label or rewrite authority.
9. issue the electronics draft.Commercial bank carries out the initialization of electronics draft.
Draft will use commercial bank to authorize when dispatching from the factory in the bill printing house SAM card, in its electronic tag IC, write electronics draft numbering by identification terminal 20, generate and enable the authenticate key of electronics draft 30, and this identification terminal 20 can read the supplier number and the electronics draft numbering of electronic tag, be recorded in the blank credential management database of specialized bank's supervision server 10, it is invalid that the electronic tag of un-noted in the storehouse is regarded as.
Fig. 4 is the process of signing and issuing according to the draft that has electronic tag of the embodiment of the invention.
As accompanying drawing 4, it is as follows to sign and issue process in detail:
Step 401: pre-registration and pre-audit.
When pre-registration, the payer proposes the professional application of banker's acceptance bill to banking department, after investigating, examine, give an written reply in business department and signing agreement, relevant information gathers to operation system, and " signing and issuing information " that this gathers sent to supervision server 10;
When pre-audit, 10 pairs of drafts of supervision server " are signed and issued information " and are checked and proofread, and confirm that each key element that draft signs and issues is complete; Simultaneously, supervision server 10 can be signed and issued information with draft simultaneously and register, and is used for checking with the information of drawing a bill.
Step 403 is drawn a bill.Operation system will be signed and issued information and send to the terminal of drawing a bill, and the terminal of drawing a bill is prepared " drawing a bill ".The terminal of drawing a bill is signed and issued information according to the draft of being received 30, sends " instruction of drawing a bill " and gives printer, and the papery draft is printed.Here, it should be noted that the terminal of drawing a bill here can be above mentioned identification terminal 20, also can be other terminals that can send the information of drawing a bill arbitrarily.
Step 407 reads.Identification terminal 20 in conjunction with the draft of being received 30 " information of drawing a bill ", is uploaded to supervision server 10 with the electronics draft id information that is read;
Step 409 is checked.The draft that " information of drawing a bill " that supervision server 10 will be received and front operation system send " is signed and issued information " and is checked, after the confirmation, the password that reads according to " information of drawing a bill " generation user data area carries out password encryption and sends it back identification terminal 20; Simultaneously, need this password is registered in the supervision server 10.
The electronics draft reads password and generates as described later.
The encryption that 10 pairs of electronics drafts 30 of supervision server read password comes from electronics draft ID and identification terminal ID.
Step 411 writes.Identification terminal 20 receive encryption read password after, the draft information that this is complete writes among the IC of draft 30, and configures and read password;
Step 417 activates.Supervision server 10 is indicated that in database this draft signed and issued " signing and issuing activations ", and is done formally to register after receiving " writing normal " information that identification terminal 20 sends back to.Draft record after activating and registering can not be signed and issued once more, but can reopen.
Fig. 5 is according to the demonstration of the draft information that has electronic tag of the embodiment of the invention or honours process.
As shown in Figure 5, the electronic tag of being inquired about draft 30 reads draft ID by verification terminal, and parameter such as junction read write line ID, time for reading, sends to supervision server 10, by supervision server 10 these parameters is checked and is inquired about; Supervision server 10 also according to information such as electronics draft ID, draws electronics draft user data area and reads password, this password and the encrypted identification terminal 20 that sends to of draft message digit summary; Identification terminal 20 is deciphered password by the SAM card, use this password to read the data of electronics draft user data area, obtain the electronic information of this draft 30, calculate the draft digital digest, proofread with the digital digest that supervision server 10 is provided, make the judgement of draft 30 true and falses.
As shown in Figure 5, the detailed query process is as follows:
Step 503 reads vendor id and draft ID.Identification terminal 20 reads draft vendor id and electronics draft ID;
Step 509 is extracted.Supervision server 10 check above-mentioned ID errorless after, the digital digest that extracts corresponding draft password and draft information is encrypted and to be sent to identification terminal 20, supervision server 10 is carried out log record to this activity simultaneously;
Step 511 reads draft information.Identification terminal 20 with draft password and digital digest deciphering, uses this password by the SAM card, reads the draft information of electronics draft user data area; Wherein, identification terminal 20 can calculate the draft information that is read, and draws digital digest, and checks with the digital digest that supervision server 10 is provided,
Step 513 shows or honours.If the unanimity of checking then show or acceptance bill information.
In addition, as mentioned above, electronics draft user data area read the important means that password is 30 safety assurances of electronics draft.
1. read the generation of password and write
When i. accepting bank writes terminal and reads the electronics draft 30 of drawing a bill, information such as draft vendor id, electronics draft ID, identification terminal ID will be sent to the online registration authentication module 101 of supervision server 10;
Ii. online registration authentication module 101 sends to password management module 103 with above information and one's own profession Institution Code, draft enrollment time, and these information are registered;
Iii. password management module 103 according to draft vendor id, electronics draft ID, write one or more in enrollment time of Termination ID, accepting bank's Institution Code, draft, calculate, generate the password of this electronics draft 30, send to online registration authentication module 101;
Iv. online registration authentication module 101 sends to identification terminal 20 with password information, thereby the user data area of configuration electronics draft 30 reads password.
Read the use of password
When v. inquiry row is read terminal and read the electronics draft 30 of drawing a bill, information such as draft vendor id, electronics draft ID, identification terminal ID will be sent to the online registration authentication module 101 of supervision server 10;
Vi. online registration authentication module 101 inquires corresponding draft 30 records according to above information in the one's own profession database, corresponding draft information is sent to password management module 103;
Vii. password management module 103 according to draft vendor id, electronics draft ID, write Termination ID, accepting bank's Institution Code, draft enrollment time, calculate, generate the password of this electronics draft 30, send to online registration authentication module 101;
Online registration authentication module 101 sends to password information and reads terminal, reads terminal and uses password to read the draft information of user data area.
Although mentioned the People's Bank and commercial bank more than it should be noted that, the present invention is not limited thereto, and it can be any financial institution and financial institution.And described draft is not limited to banker's acceptance bill or other drafts, and can be the financial document that any type of needs are signed and issued, inquired about or honour.
Although below show the present invention in conjunction with the preferred embodiments of the present invention, one skilled in the art will appreciate that under the situation that does not break away from the spirit and scope of the present invention, can carry out various modifications, replacement and change to the present invention.Therefore, the present invention should not limited by the foregoing description, and should be limited by claims and equivalent thereof.
Claims (21)
1, a kind of monitoring and managing method that has the financial document of electronic tag, described method comprises:
The request of signing and issuing that response receives from the client by client, supervision server are registered and are sent and the described corresponding information of drawing a bill of request of signing and issuing to the client;
Supervision server is according to the corresponding information of being registered of drawing a bill, by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, generate and register and read password, and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document; And
The identification terminal request supervision server of receiving described financial document is correspondingly read password and the information of drawing a bill according to what register, that is stored in the electronic tag of identification and authentication financial document reads password and financial document ID, to carry out the demonstration of financial document information or to honour operation.
2, method according to claim 1 is characterized in that: described supervision server registration and send with the described step of signing and issuing the corresponding information of drawing a bill of request to the client also comprises:
Supervision server authenticates the request of signing and issuing from the client, confirms whether should send the information of drawing a bill accordingly to described client, when authentication success, registers and sends and the described corresponding information of drawing a bill of request of signing and issuing to the client.
3, method according to claim 1 is characterized in that describedly write in the electronic tag by the described financial document information that reads password protection by identification terminal also to comprise with the step of signing and issuing described financial document:
Whether checking financial document information correctly is written in the electronic tag of financial document, and
Correctly write in financial document information under the situation of electronic tag, activate described electronic tag, to realize signing and issuing of financial document.
4, method according to claim 1, read password and the financial document ID that it is characterized in that being stored in the electronic tag of described identification and authentication financial document also comprise the demonstration of financial document information or the step of honouring operation to carry out:
Supervision server authenticates by the financial ticket ID in the electronic tag of the financial document of identification terminal input the client;
When financial document ID authentication success, supervision server is to authenticating by the password that reads in the electronic tag of identification terminal input;
Reading password authentication when success, described identification terminal utilizes the described password that reads, and obtains corresponding financial document information, to carry out the demonstration of financial document information or to honour operation.
5, method according to claim 1 is characterized in that the information transmission between described supervision server and the identification terminal all adopts the encryption and decryption mode to realize, comprises the encryption and decryption to the digital digest of information.
6, method according to claim 1, it is characterized in that the described information of submitting by identification terminal identification and authentication client of drawing a bill and be attached to the step of the financial document ID in the electronic tag on the financial document and the electronic tag of described identification and authentication financial document in the step that reads password and financial document ID of being stored also comprise respectively:
The vendor id of being stored in the electronic tag of identification and authentication financial document.
7, method according to claim 1 is characterized in that described generation reads the step of password and comprise: according to financial document vendor id, electronic banking bill ID, write Termination ID, accepting bank's Institution Code, financial document one or more the generating in enrollment time and read password.
8, a kind of supervisory systems that has the financial document of electronic tag, described system comprises:
Supervision server, the request of signing and issuing that response receives from the client by client is registered and is sent and the described corresponding information of drawing a bill of request of signing and issuing to the client; According to the corresponding information of being registered of drawing a bill, by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, generate and register and read password, and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document; And according to the corresponding password and the information of being registered of drawing a bill of reading, that is stored in the electronic tag of identification and authentication financial document reads password and financial document ID, to carry out the demonstration of financial document information or to honour operation;
The a plurality of clients that link to each other with supervision server, be used to read the information on the electronic tag of financial document and be delivered to supervision server, to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document; In the electronic tag of the financial document of receiving, stored read the authentication success of password and financial document ID the time, carry out the demonstration of financial document information or honour operation; And
The financial document that has electronic tag.
9, system according to claim 8 is characterized in that also comprising the authenticated exchange server, is used for when cross-platform transaction, as the media of the exchange of the authentification of message between each platform.
10, system according to claim 8 is characterized in that described supervision server comprises:
Safety management module is used to realize the key management of the data communication between supervision server and the identification terminal;
The password management module is used for according to financial document vendor id, electronic banking bill ID, writes one or more the generating of Termination ID, accepting bank's Institution Code, financial document enrollment time and read password;
Online registration authentication module, the corresponding information of drawing a bill of request is sent and signed and issued to registration also to the client that needs are signed and issued financial document; Discern and authenticate the financial document ID in client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, register the described password that reads; And according to the corresponding password and the information of being registered of drawing a bill of reading, that is stored in the electronic tag of identification and authentication financial document reads password and financial document ID, to carry out the demonstration of financial document information or to honour operation.
11, system according to claim 8 is characterized in that described identification terminal comprises:
The terminal applies module; Under the control of operating personnel or supervision server, the operation of terminal security application module and terminal processing module is controlled;
The terminal security application module; Be used to realize the key management of the data communication between supervision server and the identification terminal;
Terminal processing module, read the information on the electronic tag of financial document and be delivered to supervision server, to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document; In the electronic tag of the financial document of receiving, stored read the authentication success of password and financial document ID the time, carry out the demonstration of financial document information or honour operation.
12, a kind of monitoring and managing method that has the financial document of electronic tag, described method comprises:
The request of signing and issuing that response receives from the client by client, supervision server are registered and are sent and the described corresponding information of drawing a bill of request of signing and issuing to the client;
Supervision server is according to the corresponding information of being registered of drawing a bill; by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document; when authentication success; generate and register and read password; and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document.
13, method according to claim 12 is characterized in that: described supervision server registration and send with the described step of signing and issuing the corresponding information of drawing a bill of request to the client also comprises:
Supervision server authenticates the request of signing and issuing from the client, confirms whether should send the information of drawing a bill accordingly to described client, when authentication success, registers and sends and the described corresponding information of drawing a bill of request of signing and issuing to the client.
14, method according to claim 12 is characterized in that describedly write in the electronic tag by the described financial document information that reads password protection by identification terminal also to comprise with the step of signing and issuing described financial document:
Whether checking financial document information correctly is written in the electronic tag of financial document, and
Correctly write in financial document information under the situation of electronic tag, activate described electronic tag, to realize signing and issuing of financial document.
15, method according to claim 12 is characterized in that the information transmission between described supervision server and the identification terminal all adopts the encryption and decryption mode to realize, comprises the encryption and decryption to the digital digest of information.
16, method according to claim 12 is characterized in that described step by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document also comprises:
The vendor id of being stored in the electronic tag of identification and authentication financial document.
17, method according to claim 12 is characterized in that described generation reads the step of password and comprise: according to financial document vendor id, electronic banking bill ID, write Termination ID, accepting bank's Institution Code, financial document one or more the generating in enrollment time and read password.
18, a kind of supervisory systems that has the financial document of electronic tag, described system comprises:
Supervision server, the request of signing and issuing that response receives from the client by client is registered and is sent and the described corresponding information of drawing a bill of request of signing and issuing to the client; According to the corresponding information of being registered of drawing a bill, by the financial document ID in identification terminal identification and authentication client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, generate and register and read password, and write in the electronic tag by the described financial document information that reads password protection by identification terminal, to sign and issue described financial document;
The client that links to each other with supervision server, be used to read the information on the electronic tag of financial document and be delivered to supervision server, to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document; And
The financial document that has electronic tag.
19, system according to claim 18 is characterized in that also comprising the authenticated exchange server, is used for when cross-platform transaction, as the media of the exchange of the authentification of message between each platform.
20, system according to claim 18 is characterized in that described supervision server comprises:
Safety management module is used to realize the key management of the data communication between supervision server and the identification terminal;
The password management module is used for according to financial document vendor id, electronic banking bill ID, writes one or more the generating of Termination ID, accepting bank's Institution Code, financial document enrollment time and read password;
Online registration authentication module, the corresponding information of drawing a bill of request is sent and signed and issued to registration also to the client that needs are signed and issued financial document; Discern and authenticate the financial document ID in client information of submitting of drawing a bill and the electronic tag that is attached on the financial document, when authentication success, register the described password that reads.
21, system according to claim 18 is characterized in that described identification terminal comprises:
The terminal applies module; Under the control of operating personnel or supervision server, the operation of terminal security application module and terminal processing module is controlled;
The terminal security application module; Be used to realize the key management of the data communication between supervision server and the identification terminal;
Terminal processing module; read the information on the electronic tag of financial document and be delivered to supervision server; to write the electronic tag of financial document from the described financial document information that reads password protection that is subjected to that supervision server receives, to sign and issue described financial document.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100901446A CN101097626A (en) | 2006-06-29 | 2006-06-29 | System and method for monitoring remittance draft with electronic label |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100901446A CN101097626A (en) | 2006-06-29 | 2006-06-29 | System and method for monitoring remittance draft with electronic label |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101097626A true CN101097626A (en) | 2008-01-02 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006100901446A Pending CN101097626A (en) | 2006-06-29 | 2006-06-29 | System and method for monitoring remittance draft with electronic label |
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| Country | Link |
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| CN (1) | CN101097626A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102930464A (en) * | 2012-11-04 | 2013-02-13 | 北京惠银通联科技有限公司 | Electronic invoice management method and system |
| CN106023413A (en) * | 2016-06-28 | 2016-10-12 | 刘泽生 | Automatic verifying system and automatic verifying method for paper-based bankers' acceptance bill |
| CN107578479A (en) * | 2017-04-08 | 2018-01-12 | 江小平 | Ticket, ticket-checked device, ticket selling and checking system and method |
| CN108122164A (en) * | 2018-01-03 | 2018-06-05 | 山东富瑞英泽资产管理股份有限公司 | Credit management-control method based on business clearing special certificate payment process |
| CN108256861A (en) * | 2018-01-03 | 2018-07-06 | 山东富瑞英泽资产管理股份有限公司 | Business clearing special certificate transfer payment method based on electronic information management |
| CN108256860A (en) * | 2018-01-03 | 2018-07-06 | 山东富瑞英泽资产管理股份有限公司 | Business clearing special certificate based on electronic information management splits method of payment |
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2006
- 2006-06-29 CN CNA2006100901446A patent/CN101097626A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102930464A (en) * | 2012-11-04 | 2013-02-13 | 北京惠银通联科技有限公司 | Electronic invoice management method and system |
| CN106023413A (en) * | 2016-06-28 | 2016-10-12 | 刘泽生 | Automatic verifying system and automatic verifying method for paper-based bankers' acceptance bill |
| CN107578479A (en) * | 2017-04-08 | 2018-01-12 | 江小平 | Ticket, ticket-checked device, ticket selling and checking system and method |
| CN107578479B (en) * | 2017-04-08 | 2020-07-17 | 江小平 | Ticket, ticket checking device, ticket selling and checking system and method |
| CN108122164A (en) * | 2018-01-03 | 2018-06-05 | 山东富瑞英泽资产管理股份有限公司 | Credit management-control method based on business clearing special certificate payment process |
| CN108256861A (en) * | 2018-01-03 | 2018-07-06 | 山东富瑞英泽资产管理股份有限公司 | Business clearing special certificate transfer payment method based on electronic information management |
| CN108256860A (en) * | 2018-01-03 | 2018-07-06 | 山东富瑞英泽资产管理股份有限公司 | Business clearing special certificate based on electronic information management splits method of payment |
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Open date: 20080102 |