CN101324974A - Novel bank cheque and receipt verification system - Google Patents
Novel bank cheque and receipt verification system Download PDFInfo
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- CN101324974A CN101324974A CNA2008100444134A CN200810044413A CN101324974A CN 101324974 A CN101324974 A CN 101324974A CN A2008100444134 A CNA2008100444134 A CN A2008100444134A CN 200810044413 A CN200810044413 A CN 200810044413A CN 101324974 A CN101324974 A CN 101324974A
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- electronic signature
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Abstract
The invention provides a novel bank check system which comprises a check with a built-in RF chip, a check issuing device of a built-in RF chip information write device, a plurality of electronic seal devices which serve as electronic seals and have built-in encryption algorithm and a biological information collecting function, and a bank check verification device and a bank check database of a built-in RF chip information read device. The system greatly improves the security of the bank check system, and greatly improves the efficiency of bank personnel without changing the previous use habits or financial management regulations. The novel bank check system is characterized by convenient check opening and verification, low price and easy popularization.
Description
Technical field
The system that the present invention relates generally to cashier's check and open, verify especially, the present invention relates to use radio frequency chip cashier's check to be encrypted and opened, verify the system of detection.
Background technology
Along with the continuous progress of society, the use of cashier's check also more and more widely.The safety problem of thing followed cashier's check also faces many challenges, as the real and fake discrimination of check, the real and fake discrimination of seal etc.At present, financial institution mainly is by seal on the check and reserved specimen seal are manually compared to the discriminating of seal on the check, and this mode inefficiency is also made mistakes simultaneously easily; And to the true and false of check mainly be by paper and on watermark guarantee its authenticity, but the difficulty of copying is lower.
Problem at present cashier's check existence, need a kind of imitation difficulty that can strengthen check, again can be automatically to the true and false of check, method that the true and false of reserved specimen seal etc. is compared automatically and technology improve the efficient and the accuracy of comparison and identification, thereby greatly improve the security of check and the efficient of bank clerk.
Summary of the invention
The purpose of this invention is to provide the system that a kind of novel bank cheque, electronic signature and check are opened, verified, that this system has is safe, leave and characteristics such as easy to verify, can greatly improve the efficient of bank clerk, and need not to change former use habit.This system price is cheap in addition, is easy to promote.
The invention provides a kind of novel bank cheque system, this system comprises: the check of the check of embedded radio frequency chip, embedded radio frequency chip information write-in device is left device, a plurality of as the electronic signature device with built-in encryption algorithm and biomedical information acquisition function of electronic signature and the cashier's check demo plant of embedded radio frequency chip information readout device.The check of embedded radio frequency chip is divided into a plurality of distinct area, and wherein, regional A deposits and provides the type and the true and false thereof that the exclusive check enciphered message of check bank is used for verifying check; Area B is deposited the information such as cheque sum after the privately owned password encryption of the unit of making out an invoice; Zone C is deposited the unit's of making out an invoice electronic signature 1 enciphered message; Region D is deposited the unit's of making out an invoice electronic signature 2 enciphered messages; Area E is deposited the unit's of making out an invoice electronic signature 3 enciphered messages.The check of embedded radio frequency chip writing station writes respective regions in the corresponding check that is embedded with radio frequency chip after leaving the mainly responsible privately owned password encryptions of information applying unit such as the amount of money, recruiting unit and electronic signature that will be printed on the check of device.Encryption CPU card with privately owned password and high strength encrypting algorithm is as electronic signature.This seal will insert and write the check corresponding region with output ciphertext after the face of the value information encryption and by the radio frequency chip writing station after check is left device, also the enciphered message of electronic signature itself be put into check seal storage area simultaneously and be verified for bank.Checking of the cashier's check of embedded radio frequency chip readout device and the pick-up unit information by corresponding region in the radio frequency chip of reading to embed in the check is carried out authenticity to the true and false and the electronic signature of check.Simultaneously, this device also can be verified all information on the check by network data base.
Radio frequency chip in the wherein said eCheck that is embedded with radio frequency chip can and can repeatedly append the storage or the cpu chip that write by the storage chip of write-once and constitute.Described check is left device and can be made of radio frequency chip writing station, electronic signature reader unit, information encryption device, communicator and related software etc.Described radio frequency chip writing station is used for the information after encrypting is write the appointed area of the check chips of embedded radio frequency chip.Described electronic signature reader unit is the privately owned Crypted password of the unit in the electronic signature device to be read in and pass to the information encryption device check information is encrypted, and the financial management personnel seal and the personnel's that use this electronic signature the biological information of having encrypted is read in the back use for writing station.Check information after described communicator will be encrypted sends to the database of checking of bank by encrypted tunnel.Whether checking of the cashier's check of described embedded radio frequency chip readout device and pick-up unit use the data of checking in the database with electronic signature of reserving and network behind the publicly-owned password to decipher that the unit of leaving reserves to compare true with the information of checking and detection check the information that radio frequency chip provided in the check.
According to following detailed description, other scope of application of the present invention will become apparent, but, should understand what the detailed description of pointing out the preferred embodiments of the present invention and object lesson just provided as an example, because to one skilled in the art, according to following detailed description, the variations and modifications in the spirit and scope of the present invention are conspicuous.
Description of drawings
According to detailed description given below and accompanying drawing, can understand the present invention more fully, wherein:
Fig. 1 shows according to system of the present invention and constitutes synoptic diagram;
The check memory block that Fig. 2 shows according to embedded radio frequency chip of the present invention constitutes synoptic diagram;
Fig. 3 shows check according to the present invention and leaves device formation synoptic diagram;
Fig. 4 shows according to check verification pick-up unit of the present invention and constitutes synoptic diagram;
Fig. 5 shows according to check electronic signature device of the present invention and constitutes synoptic diagram;
Embodiment
Figure 1 shows that according to system of the present invention and constitute synoptic diagram.
As shown in Figure 1, system of the present invention check verification pick-up unit 3, electronic signature device 5 and the cashier's check database 4 of leaving device 2, embedded radio frequency chip information read apparatus by the check of the check 1 of embedded radio frequency chip, embedded radio frequency chip information read/write device formed.Wherein, check 1 and check are left between the device 2, pass through closely noncontact wireless mode communication between check 1 and the check verification pick-up unit 3.System works principle of the present invention is as follows: initial check 1 is sent by bank.When bank sent, the chip specific region had write information such as the check buyer information used after the privately owned password encryption of bank and check coded message and has used in order to bank's checking check in the check.This zone can only write-once, just can not change after writing.The check unit of leaving uses the check of embedded radio frequency chip information read/write device to leave device 2 and writes appointed area in the check chip after with privately owned password encryptions of information applying unit such as check opening date, recruiting unit's information, account and cheque sums.Check is left device 2 and is wanted operate as normal also must simultaneously electronic signature device 5 these devices of insertion that (contain two) more than two could be write check 1 with above-mentioned information so that obtain privately owned password; Simultaneously, two and above electronic signature information also are written to specified memory territory in the check 1.In a single day above-mentioned information write just and can not change.Check is left device 2 above-mentioned information is write in the check database 4 of the check bank of issue by encryption channel.After the possessor of check 1 takes the bank paying window with check 1, the check verification pick-up unit 3 of bank clerk by embedded radio frequency chip information read apparatus reads out specific region information in the check to be verified, concrete steps are as follows: at first, bank's area information in the chip in the check is read, whether whether use the privately owned password of bank to decode and sent by this bank with the checking check, be that this unit of leaving buys.Secondly, use open code that the unit of leaving reserves to use the information after the privately owned password encryption to decode, to verify the information such as the amount of money of this check to this unit of leaving; Simultaneously, check by check database in the bank whether this check is to be left by the legal unit of leaving.The 3rd, read electronic signature area information in the check and whether leave by the competent person of legal unit to verify this check.Have only above-mentioned three steps all by just transferring accounts and pay.
Fig. 3 shows check according to the present invention and leaves device 2 formation synoptic diagram.As shown in Figure 3, check according to the present invention leave device 2 can by but be not limited to following components and form: control device 21, radio frequency chip information read/write device 24, Check Printing device 25, information input and indicating device 23, electronic signature device 26, information encryption device 27, communicator 22 and related software constitute.Described radio frequency chip information read/write device 24 is used for the various information after encrypting are write the zone of appointment in the check chip.Described electronic signature device 26 is used for privately owned password of storage cell and financial management personnel digital signature information.Described information encryption device 27 comes check information is carried out the device of cryptographic calculation for using special purpose system algorithm and the privately owned password of unit.Described information input and indicating device 23 carry out device shown by keyboard with the cleartext information input of check with the information that leaving of check occurs in the process.Described communicator 22 is the relevant information of the check that will leave mails to the check database of check bank by encryption channel communicators.Can be ethernet module or other communication module corresponding with communication mode.Described control device 21 is key control units of whole device 2, and it can be general MCU, CPU or programmable logic device (PLD) or the special-purpose AS IC chip of realizing control function.Described Check Printing device 25 is that check information is printed on device on the check, can be special purpose check printer or universal printer.Check is left device 2 and by information input and indicating device 23 check information is imported under the control of control device 21, the privately owned password of unit in the electronic signature device 26 read give information encryption device 27 and be used for encryption, with financial staff's seal information of reserving in the electronic signature with use the personnel's of this electronic signature biological information to read check information.Information after encrypting and the seal of reading and user of service's information are write information area corresponding in the check by the radio frequency chip writing station again.Enciphered message can be write in the cashier's check database by communicator 22 simultaneously.At last, be printed on the paper checks that is embedded with radio frequency chip by 25 relevant informations of Check Printing device.Check is left device 2 also can add that information encryption device, electronic signature device, radio frequency chip information read/write device, printer and special-purpose related software constitute by multi-purpose computer.
Fig. 4 shows check verification apparatus 3 according to the present invention and constitutes synoptic diagram.As shown in Figure 4, according to check verification pick-up unit 3 of the present invention can by but be not limited to following components and form: control device 31, radio frequency chip information read apparatus 34, information indicating apparatus 33, decrypts information device 35, communicator 32, information comparison device 36 and related software constitute.Described radio frequency chip information read apparatus 34 is used for the various information after encrypting are read in the zone of appointment in the check chip.Described decrypts information device 35 comes check information is decrypted the device of computing for using special purpose system algorithm and the publicly-owned password of unit.Described information indicating apparatus 33 carries out device shown with the information that occurs in the cipher-text information of check and the proof procedure with check.Described information comparison device 36 is used for the information that will be obtained and the check information of obtaining and compares in the cashier's check database in the check chips.Described communicator 32 is communicators that the relevant information of check is read from the check database of check bank by encryption channel.Can be ethernet module or other communication module corresponding with communication mode.Described control device 31 is key control units of whole device 3, and it can be general MCU, CPU or programmable logic device (PLD) or the special-purpose asic chip of realizing control function.Check verification apparatus 3 is read check appointed area information by radio frequency chip information read apparatus 34 under the control of control device 31, deliver to decrypts information device 35 then and be decrypted, and the information after will deciphering and electronic signature information show by information indicating apparatus 33.Simultaneously, by communicator 32 this corresponding in cashier's check database check information is read, and send in the information comparison device 36 with the information of from the check chip, obtaining and to compare, then, show the out of Memory of the check true and falses and check by information indicating apparatus 33.Check verification apparatus 3 also can add that decrypts information device, radio frequency chip information readout device and special-purpose related software constitute by multi-purpose computer.
Fig. 5 shows electronic signature device 5 according to the present invention and constitutes synoptic diagram.As shown in Figure 5, according to electronic signature device 5 of the present invention can by but be not limited to following components and form: control device 51, information encryption device 53, communicator 52, biomedical information acquisition device 54 and related software constitute.The described information encryption device 53 main dedicated encrypted algorithms that use are encrypted the biological information of being gathered by biomedical information acquisition device 54.Described biomedical information acquisition device 54 is used to gather biological informations such as the financial management personnel's that use this electronic signature fingerprint or iris as the electronic signature user who verifies when leaving check afterwards.Described communicator 52 is mainly used in to be left device with check and communicates, and can be any communication interface that is easy to realize, as interfaces such as USB, serial ports.The privately owned password of the described control device 51 built-in check units of leaving is used for check and leaves device encryption check information in nonvolatile memory, the digital signature that built-in financial management personnel reserve is as electronic signature.Electronic signature device 5 biological information such as fingerprint by 54 couples of related personnel of biomedical information acquisition device or iris under the control of control device 51 is gathered, and the data after the collection are encrypted the back by 53 pairs of image data of information encryption device and sent check to by communicator 52 and leave device.Control device 51 will be stored in privately owned password of the check unit of leaving in it and send check to by communicator 52 and leave device and be used to encrypt check information, send to as electronic signature and will leave device being stored in digital signature in it.
Above-mentioned declarative description the formation of system of the present invention, embodiment preferred and concrete application signal, but scope of the present invention is not limited to detail and the exemplary embodiments representing and illustrate here.Reach accompanying drawing and claim according to the above description, those skilled in the art is to be understood that under not breaking away from by following claim and their situation that is equal to the spirit and scope of the present invention that limited, can makes various changes, modifications and variations to it.
Claims (13)
1. novel bank cheque system, this system comprises:
The check of the check of embedded radio frequency chip, embedded radio frequency chip information write-in device is left device, a plurality of cashier's check demo plant and cashier's check database as the electronic signature device with built-in encryption algorithm and biomedical information acquisition function of electronic signature, embedded radio frequency chip information readout device;
2. cashier's check as claimed in claim 1 system, wherein said check is the check that is embedded with radio frequency chip; But the nonvolatile storage of the one-off programming in the chip is divided into check bank of issue information encryption district, check information encrypted area and a plurality of electronic signature enciphered messages memory block, can programme separately in each zone.
3. cashier's check as claimed in claim 1 system, wherein said check is left device and is had the radio frequency chip information write-in device, is used for various enciphered messages are write the storage area of check chip appointment.
4. cashier's check as claimed in claim 1 system, wherein said check is left device and is had the information encryption device, is used for using all information on the privately owned password encryption check of the unit of leaving.
5. cashier's check as claimed in claim 1 system, wherein said check is left device and is comprised communication module and be used for the check enciphered message is write the cashier's check database by telecommunication media.
6. cashier's check as claimed in claim 1 system, wherein said electronic signature device comprises special-purpose privately owned password storage district, financial management personnel's digital signature memory block, built-in encryption algorithm and biomedical information acquisition device, be used for gathering biological information of human body and use it for the cryptographic algorithm cryptographic calculation process that starts, simultaneously, deposit as verification message the also encrypted back of biological information.
7. cashier's check as claimed in claim 1 system, wherein said check verification apparatus comprises the radio frequency chip information readout device and is used for the enciphered message of designated storage area in the check chips is read.
8. cashier's check as claimed in claim 1 system, wherein said check verification apparatus comprises the decrypts information device, is used for using the unit of leaving at the common key that bank reserves enciphered message and the electronic signature that reads to be decrypted.
9. cashier's check as claimed in claim 1 system, wherein said check verification apparatus comprises the information comparison device, is used for the data that will obtain and the electronic signature information and the cashier's check database information of reservation to compare in the check chips.
10. cashier's check as claimed in claim 1 system, wherein said check verification apparatus comprises communicator and is used for the check information of cashier's check database is read.
11. cashier's check as claimed in claim 1 system, wherein said check verification apparatus comprises information indicating apparatus, is used for indicating the various information of proof procedure.
12. cashier's check as claimed in claim 1 system, wherein said cashier's check database is used to deposit the data that the check unit of leaving writes effective check of being left and reads the checking of comparing for check verification apparatus.
13. electronic signature device as claimed in claim 6, wherein said biomedical information acquisition device can be the harvesters of biological informations such as fingerprint collection or iris.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100444134A CN101324974A (en) | 2008-05-19 | 2008-05-19 | Novel bank cheque and receipt verification system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100444134A CN101324974A (en) | 2008-05-19 | 2008-05-19 | Novel bank cheque and receipt verification system |
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| Publication Number | Publication Date |
|---|---|
| CN101324974A true CN101324974A (en) | 2008-12-17 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100444134A Pending CN101324974A (en) | 2008-05-19 | 2008-05-19 | Novel bank cheque and receipt verification system |
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| CN (1) | CN101324974A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101853457A (en) * | 2010-01-29 | 2010-10-06 | 东莞宇龙通信科技有限公司 | Method, device and system for generating and reimbursing NFC electronic bill |
| 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 |
-
2008
- 2008-05-19 CN CNA2008100444134A patent/CN101324974A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101853457A (en) * | 2010-01-29 | 2010-10-06 | 东莞宇龙通信科技有限公司 | Method, device and system for generating and reimbursing NFC electronic bill |
| CN101853457B (en) * | 2010-01-29 | 2016-05-04 | 东莞宇龙通信科技有限公司 | A kind of NFC e bill generation and method of charging out, device and system |
| 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 |
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| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
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Open date: 20081217 |
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Addressee: Li Junxian Document name: Notification that Application Deemed to be Withdrawn |