CN115345725A - Remote cashing method and device for paper bank acceptance draft - Google Patents
Remote cashing method and device for paper bank acceptance draft Download PDFInfo
- Publication number
- CN115345725A CN115345725A CN202210988369.2A CN202210988369A CN115345725A CN 115345725 A CN115345725 A CN 115345725A CN 202210988369 A CN202210988369 A CN 202210988369A CN 115345725 A CN115345725 A CN 115345725A
- Authority
- CN
- China
- Prior art keywords
- information
- paper bank
- draft
- redeemed
- bank acceptance
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V30/00—Character recognition; Recognising digital ink; Document-oriented image-based pattern recognition
- G06V30/10—Character recognition
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
- G07D7/20—Testing patterns thereon
Abstract
The application discloses a remote cashing method and a device of a paper bank acceptance draft, which can be used in the financial field, wherein in the method, firstly, a display video of the paper bank acceptance draft to be cashed is obtained, so that a ticket holder can remotely display the paper bank acceptance draft to be cashed; then, performing unframing on the display video of the acceptance draft of the paper bank to be redeemed to obtain an image of the acceptance draft of the paper bank to be redeemed; then, identifying the image of the paper bank acceptance draft to be redeemed to obtain the drawing amount of the paper bank acceptance draft to be redeemed and the final ticket holder information; finally, the paper bank acceptance draft is converted based on the draft amount of the paper bank acceptance draft to be converted and the final information of the ticket holder. Therefore, the information carried by the paper bank acceptance bill to be redeemed can be obtained by carrying out image recognition on the image of the paper bank acceptance bill to be redeemed in the display video of the paper bank acceptance bill to be redeemed, so that the paper bank acceptance bill to be redeemed can be remotely redeemed.
Description
Technical Field
The application relates to the technical field of video identification, in particular to a remote examination method and a remote examination device for paper bank acceptance drafts.
Background
The draft is one of the most common types of draft, and is the most widely used credit instrument in international settlement, wherein, the bank acceptance draft is a long-term draft taking a bank as an acceptor, and a ticket holder can go to the bank for cashing after the draft is due.
The bank acceptance draft can be generally divided into a paper bank acceptance draft and an electronic bank acceptance draft, and the paper bank acceptance draft is still widely used at present because the electronic bank acceptance draft is not popularized in part of countries and regions and part of bank customers rely more on the paper bank acceptance draft for bank acceptance draft cashing business with larger money. However, the paper bank acceptance draft needs to be cashed through a channel of a bank counter, and the problem that the paper bank acceptance draft cannot be changed while holding the draft because a customer cannot go to the acceptance bank to transact the cashing business exists.
Therefore, how to enable a customer to remotely cash a paper bank acceptance draft becomes a problem to be solved urgently at present.
Disclosure of Invention
Based on the problems, the application provides a remote cashing method and a device of the paper bank acceptance draft, so that a customer can remotely cash the paper bank acceptance draft.
The embodiment of the application discloses the following technical scheme:
in a first aspect, the present application provides a method for remote redemption of a paper bank acceptance draft, the method comprising:
acquiring a display video of a paper bank acceptance bill to be redeemed;
performing unfreezing on the display video of the paper bank acceptance bill to be redeemed to obtain an image of the paper bank acceptance bill to be redeemed;
identifying the image of the paper bank acceptance bill to be redeemed to obtain the drawing amount of the paper bank acceptance bill to be redeemed and the final bill holder information;
and cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final bill holder information.
Optionally, the identifying the image of the paper bank acceptance bill to be redeemed to obtain the drawing amount of the paper bank acceptance bill and the final ticket holder information includes:
identifying draft elements and endorsement information in the image of the paper bank acceptance draft to be redeemed, wherein the draft elements at least comprise drawer information, draft amount, signature information and payee information;
if the image of the paper bank acceptance draft to be redeemed contains legal endorsement information, determining the last endorsee identity information in the legal endorsement information as the final ticket holder information; and if the image of the paper bank acceptance draft to be cashed does not contain endorsement information, determining the payee information as the final ticket holder information.
Optionally, the identifying the money order elements in the image of the paper bank acceptance money order to be redeemed includes:
identifying the invoicing amount represented by Chinese characters and the invoicing amount represented by numbers contained in the image of the paper bank acceptance draft to be redeemed;
acquiring the number corresponding to the Chinese character in the bill drawing amount represented by the Chinese character based on the corresponding relation between the Chinese character and the number;
and if the number obtained based on the corresponding relation between the Chinese characters and the number is not consistent with the number in the identified ticket-drawing amount represented by the number, outputting error-reporting information.
Optionally, the identifying draft elements in the image of the paper bank acceptance draft to be redeemed includes:
dividing a plurality of signatures contained in the image of the paper bank acceptance draft to be redeemed to obtain a signature picture;
and identifying the signature picture to obtain signature information.
Optionally, the identifying endorsement information in the image of the paper bank acceptance bill to be redeemed includes:
identifying the content of an endorsement area in the image of the paper bank acceptance draft to be redeemed to obtain at least one endorsement information, wherein the order of the endorsement information from left to right in the endorsement area corresponds to the order of the endorsement time of the endorsement information from first to last;
and if the drawer information in the endorsement information with the earliest endorsement time in the at least one endorsement information is inconsistent with the payee information in the image of the draft accepted by the paper bank to be honored, outputting error reporting information.
Optionally, the identifying endorsement information in the image of the paper bank acceptance draft to be redeemed includes:
dividing the content of an endorsement area in the image of the paper bank acceptance draft to be redeemed to obtain a plurality of endorsement information, wherein the order of the endorsement information from left to right in the endorsement area corresponds to the order of the endorsement time of the endorsement information from first to last;
and if the endorsee information in the endorsement information with the endorsement time prior is inconsistent with the voter information in the endorsement information with the endorsement time subsequent in two adjacent endorsement information with the endorsement time, outputting error reporting information.
Optionally, before the obtaining of the paper bank acceptance bill display video to be redeemed, the method further includes:
acquiring an identity information display video containing a cash-in applicant display identity material, wherein the identity material comprises at least one of an identity document, a personal signature and a special company financial seal;
and displaying the video based on the identity information to obtain the identity information of the cashing applicant.
Optionally, said cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft and the final bearer information comprises:
if the final ticket holder information is consistent with the identity information of the cashing applicant, acquiring a final ticket holder account based on the final ticket holder information;
and remitting the money same as the drawing money into the final ticket holder account based on the drawing money of the paper bank acceptance draft.
In a second aspect, the application provides a remote cashing device for paper bank acceptance drafts, which is characterized in that the device comprises: the system comprises a video acquisition module, an image identification module and a money order cashing module;
the video acquisition module is used for acquiring a display video of a paper bank acceptance draft to be redeemed;
the image acquisition module is used for unframing the display video of the paper bank acceptance draft to be redeemed to obtain an image of the paper bank acceptance draft to be redeemed;
the image identification module is used for identifying the image of the paper bank acceptance draft to be converted to obtain the drawing amount of the paper bank acceptance draft to be converted and the final ticket holder information;
and the draft cashing module is used for cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final ticket holder information.
Optionally, the apparatus further comprises: an identity information acquisition module;
the identity information acquisition module is used for acquiring an identity information display video containing identity authentication material displayed by a cashing applicant, wherein the identity authentication material comprises at least one of identity documents, personal signatures and special company financial stamps; and displaying the video based on the identity information to obtain the identity information of the cashing applicant.
Compared with the prior art, the method has the following beneficial effects:
the application provides a remote cashing method of a paper bank acceptance bill, which comprises the steps of firstly, obtaining a display video of the paper bank acceptance bill to be cashed, and enabling a ticket holder to remotely display the paper bank acceptance bill to be cashed; then, performing unframing on the display video of the acceptance draft of the paper bank to be redeemed to obtain an image of the acceptance draft of the paper bank to be redeemed; then, identifying the image of the paper bank acceptance bill to be redeemed to obtain the drawing amount of the paper bank acceptance bill to be redeemed and the final bill holder information; and finally, the paper bank acceptance draft is converted based on the draft amount of the paper bank acceptance draft to be converted and the final information of the ticket holder. Therefore, the information carried by the paper bank acceptance bill to be redeemed can be obtained by carrying out image recognition on the image of the paper bank acceptance bill to be redeemed in the display video of the paper bank acceptance bill to be redeemed, and the paper bank acceptance bill to be redeemed can be remotely redeemed.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive exercise.
FIG. 1 is a flow chart of a method for remotely cashing a paper bank acceptance draft according to an embodiment of the application;
FIG. 2 is a flow chart of another method for remotely redeeming a paper bank acceptance bill according to an embodiment of the present application;
FIG. 3 is a schematic illustration of an endorsement area of a paper bank acceptance bill in accordance with an embodiment of the present application;
fig. 4 is a schematic diagram of a remote cashing device of a paper bank acceptance draft according to an embodiment of the application.
Detailed Description
The remote cashing method and the device for the paper bank acceptance draft provided by the invention can be used in the financial field or other fields, for example, can be used in the scene of handling the paper bank acceptance draft cashing business in the financial field, and the other fields are any fields except the financial field, for example, the field of video identification. The above description is only an example, and does not limit the application field of the remote cashing method and device for paper bank acceptance drafts provided by the present invention.
The terms "first," "second," "third," and "fourth," etc. in the description and claims of the present application and the description of the drawings are used for distinguishing between different objects and not for limiting a particular order.
In the embodiments of the present application, words such as "as an example" or "for example" are used to mean serving as an example, instance, or illustration. Any embodiment or design described herein as "exemplary" or "such as" is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, use of the words "as an example" or "such as" are intended to present relevant concepts in a concrete fashion.
The terminology used in the description of the embodiments section of the present application is for the purpose of describing particular embodiments of the present application only and is not intended to be limiting of the present application.
As described above, paper bank acceptance bills are still widely used at present, however, the paper bank acceptance bills need to be redeemed through the channel of the bank counter, and there is a problem that the customers cannot go to the acceptance bank to transact the cashing business, so that the customers cannot change the bills.
In view of this, the application provides a remote cashing method of a paper bank acceptance bill, in the method, firstly, a display video of the paper bank acceptance bill to be cashed is obtained, so that a ticket holder can remotely display the paper bank acceptance bill to be cashed; then, performing unfreezing on the display video of the paper bank acceptance bill to be redeemed to obtain an image of the paper bank acceptance bill to be redeemed; then, identifying the image of the paper bank acceptance draft to be redeemed to obtain the drawing amount of the paper bank acceptance draft to be redeemed and the final ticket holder information; and finally, the paper bank acceptance draft is converted based on the draft amount of the paper bank acceptance draft to be converted and the final information of the ticket holder. Therefore, the information carried by the paper bank acceptance bill to be redeemed can be obtained by carrying out image recognition on the image of the paper bank acceptance bill to be redeemed in the display video of the paper bank acceptance bill to be redeemed, and the paper bank acceptance bill to be redeemed can be remotely redeemed.
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Referring to fig. 1, a remote cashing method for a paper bank acceptance draft provided by an embodiment of the application is applicable to a remote cashing system, and the method includes:
s101: the remote cashing system obtains a display video of a paper bank acceptance draft to be cashed.
Preferably, after the remote cashing system receives the cashing application submitted by the cashing applicant, the banking staff sends a web-end conference link to the cashing applicant through the remote cashing system, and after the cashing applicant accesses the video conference, the cashing applicant is guided to display the front side, the back side and the sticky note of the paper bank acceptance bill in a specified sequence before the camera, or the display rule of the paper bank acceptance bill can be sent to the cashing applicant at the same time of or after the web-end conference link is sent to the cashing applicant. The video conference can be realized based on WebRTC (Web Real-Time Communications) communication technology, so that the cashing applicant can complete cashing on line without installing any plug-in or third-party software, and meanwhile, the user can more accurately confirm the operation of the user through the video conference to handle the paper bank acceptance bill cashing service, thereby ensuring the service safety.
S102: and the remote cashing system unframes the display video of the paper bank acceptance bill to be cashed to obtain an image of the paper bank acceptance bill to be cashed.
As an example, the pre-configured intelligent de-framing program may be invoked to de-frame the to-be-redeemed paper bank acceptance bill exhibition video to obtain an image of the to-be-redeemed paper bank acceptance bill. Preferably, the similarity comparison can be performed on the images obtained by the frame decoding, only one of the images with high similarity is reserved, and the image redundancy is reduced.
S103: the remote cashing system identifies the image of the paper bank acceptance draft to be cashed, and obtains the bill amount of the paper bank acceptance draft to be cashed and the final bill holder information.
Illustratively, the image of the paper bank acceptance draft to be redeemed may be recognized by invoking a computer vision program and an Optical Character Recognition (OCR) model to obtain the draft amount and the final bearer information of the paper bank acceptance draft to be redeemed.
S104: the remote cashing system cashs the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final information of the ticket holder.
Preferably, the same amount as the amount of the draft of the paper bank acceptance draft to be cashed can be remitted into the account of the final ticket holder, and the cashing state of the paper bank acceptance draft to be cashed is updated to be cashed and/or the ticket number of the paper bank acceptance draft to be cashed is cancelled in the remote cashing system.
The method comprises the steps of firstly, obtaining a display video of the paper bank acceptance draft to be redeemed, so that a ticket holder can remotely display the paper bank acceptance draft to be redeemed; then, performing unframing on the display video of the paper bank acceptance draft to be redeemed to obtain an image of the paper bank acceptance draft to be redeemed; then, identifying the image of the paper bank acceptance draft to be redeemed to obtain the draft amount of the paper bank acceptance draft to be redeemed and the final ticket holder information; and finally, cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final ticket holder information. Therefore, the information carried by the paper bank acceptance bill to be redeemed can be obtained by carrying out image recognition on the image of the paper bank acceptance bill to be redeemed in the display video of the paper bank acceptance bill to be redeemed, and the paper bank acceptance bill to be redeemed can be remotely redeemed.
Referring to fig. 2, another method for remotely cashing a paper bank acceptance bill provided by the embodiment of the application includes:
s201: the remote redemption system obtains an identity information display video containing redemption applicant display identification material.
Preferably, after the remote redemption system receives the redemption application submitted by the redemption applicant, the banking staff sends a web-end conference link to the redemption applicant through the remote redemption system, and after the redemption applicant accesses the video conference, the redemption applicant is instructed to present materials including but not limited to identity documents, personal signatures, corporate financial special seals and the like which can be used for confirming the identity of the redemption applicant in front of the camera, so as to obtain the identity information display video.
S202: the remote cashing system displays the video based on the identity information to obtain the identity information of the cashing applicant.
For example, the textual information contained in the material for confirming the identity of the redeeming applicant in the identity information presentation video can be recognized by calling an optical character recognition OCR model, so as to obtain the redeeming applicant identity information, and preferably, the print, the handwriting, and the signature can be recognized by using the optical character recognition OCR model trained for a specific category respectively.
S203: the remote cashing system obtains a display video of a paper bank acceptance draft to be cashed.
By way of example, the cashing applicant can be instructed to display the front side, the back side and the sticky note of the paper bank acceptance bill in a specified sequence in front of the camera after the cashing applicant accesses the video conference, and the display rule of the paper bank acceptance bill can be sent to the cashing applicant at the same time or after the web conference link is sent to the cashing applicant.
S204: and the remote cashing system unframes the display video of the paper bank acceptance bill to be cashed to obtain an image of the paper bank acceptance bill to be cashed.
As an example, the video of the paper bank acceptance bill display to be redeemed may be deframed by invoking a pre-configured intelligent deframer to obtain an image of the paper bank acceptance bill to be redeemed.
S205: the remote redemption system identifies a ticketing amount represented by Chinese characters and a ticketing amount represented by numbers contained in an image of a paper bank acceptance draft to be redeemed.
Preferably, the ticketing amount written in Chinese characters and the ticketing amount written in Arabic numerals in the ticketing amount area of the paper bank acceptance draft can be recognized by calling an Optical Character Recognition (OCR) model.
S206: the remote cashing system acquires the number corresponding to the Chinese character in the bill drawing amount represented by the Chinese character based on the corresponding relation between the Chinese character and the number.
For example, if the ticketing amount written in the ticketing amount area in the paper bank acceptance draft by the Chinese characters is "three-top ten thousand yuan", the number obtained based on the corresponding relationship between the Chinese characters and the number may be "360000", and if the unit of the ticketing amount written in the ticketing amount area in the paper bank acceptance draft by the number includes a corner and a minute, the number obtained based on the corresponding relationship between the Chinese characters and the number may be "36000000" or "360000.00", etc., which are merely examples, and the corresponding relationship between the Chinese characters and the number may be set based on actual requirements.
S207: and the remote cashing system judges whether the number obtained based on the corresponding relation between the Chinese characters and the number is consistent with the number in the ticket-drawing amount represented by the identified number, if so, the subsequent steps are executed, and if not, the step S220 is executed.
S208: the remote cashing system divides a plurality of signatures contained in the image of the paper bank acceptance bill to be cashed to obtain a signature picture.
Illustratively, the signature included in the image of the paper bank acceptance bill to be redeemed includes, but is not limited to, a bank acceptance signature, a ticket issuer financial special signature, an endorser financial special signature, and the like, and the remote redemption system may divide a plurality of signatures included in the image of the paper bank acceptance bill to be redeemed into a plurality of signature pictures in units of individuals.
S209: the remote cashing system identifies the signature picture to obtain signature information.
Preferably, the remote cashing system can identify the signature picture by calling an Optical Character Recognition (OCR) model, for example, the signed text information can be identified, then the signature is further identified as a company financial special seal or a personal signature, and the signature information such as 'XXXX company makes a bill acceptance and XX is a drawer' is obtained by combining the position of the signature, in addition, the signature picture can be attached on the basis of the signature information and displayed on a banking operator operating end of the remote cashing system.
Preferably, in the embodiment of the application, the information in the image of the paper bank acceptance draft to be cashed, which can be identified by the optical character recognition OCR model, includes but is not limited to the draft number, the draft date, the drawer information, the payment bank information, the payee information, the draft amount, the draft due date, and the text information contained in the image of the acceptance agreement number waiting for the paper bank acceptance draft to be cashed.
S210: and the remote cashing system judges whether the image of the paper bank acceptance draft to be cashed contains endorsement information, if so, the step S212 is executed, and if not, the step S211 is executed.
Illustratively, whether the endorsement area of the paper bank acceptance draft to be redeemed has content or not can be identified through a computer vision program, if so, the image of the paper bank acceptance draft to be redeemed is judged to contain endorsement information, the step S212 is executed, and if the endorsement area has no content, the image of the paper bank acceptance draft to be redeemed is judged not to contain endorsement information, and the step S211 is executed.
S211: the remote redemption system determines the identified payee information as the final bearer information.
Preferably, the remote redemption system can identify the payee information by invoking an Optical Character Recognition (OCR) model.
S212: the remote cashing system divides the endorsement area content in the image of the paper bank acceptance bill to be cashed to obtain a plurality of endorsement information.
Preferably, the endorsement area may be as shown in fig. 3, and the remote redemption system may be configured with the correspondence between the position of the endorsement information in the endorsement area and the endorsement time in advance, for example, the order of the endorsement information from left to right in the endorsement area may be configured to correspond to the order of the endorsement time of the endorsement information from first to last.
S213: and the remote cashing system judges whether the drawer information in the endorsement information with the earliest endorsement time is consistent with the payee information in the image of the remittance acceptance bill of the paper bank to be cashed, if so, the step S214 is executed, and if not, the step S220 is executed.
S214: the remote cashing system judges whether the endorsement information quantity is more than one, if so, the step S215 is executed, and if not, the step S216 is executed.
S215: and the remote cashing system judges whether the endorsee information in the endorsement information with the endorsement time before is consistent with the voter information in the endorsement information with the endorsement time after in two endorsement information with the adjacent endorsement time, if so, the step S216 is executed, and if not, the step S220 is executed.
S216: and the remote cashing system determines the identity information of the last endorsee in the legal endorsement information as the final ticket holder information.
Preferably, when the endorsement information quantity is one, the endorsement person identity information in the endorsement information is the last endorsement person identity information. And finally, the ticket holder is the current payee of the draft accepted by the paper bank.
S217: and the remote cashing system judges whether the final ticket holder information is consistent with the identity information of the cashing applicant, if so, the step S218 is executed, and if not, the step S220 is executed.
Preferably, the final bearer is required to redeem the transaction online.
S218: and the remote cashing system acquires the final account of the ticket holder based on the final information of the ticket holder.
S219: the remote cashing system remits the money same as the bill drawing money into the final bill holder account based on the bill drawing money of the paper bank acceptance bill.
Preferably, the same amount as the amount of the draft of the paper bank acceptance draft to be redeemed can be remitted into the account of the final ticket holder, the cashing state of the paper bank acceptance draft to be redeemed is updated to be cashed and/or the ticket number of the paper bank acceptance draft to be redeemed is cancelled in the remote cashing system, and the ticket number of the paper bank acceptance draft to be redeemed can be obtained by calling an Optical Character Recognition (OCR) model to recognize the image of the paper bank acceptance draft to be redeemed.
S220: and the remote cashing system outputs error reporting information.
Illustratively, the error information may include, but is not limited to, a digit in a ticketing amount represented by a digit obtained based on a correspondence between a Chinese character and the digit, a digit in an endorsement information with earliest endorsement time being inconsistent with a payee information in an image of a paper bank acceptance bill to be redeemed, two endorsement information with adjacent endorsement times, a payee information in an endorsement information with a preceding endorsement time being inconsistent with a drawer information in an endorsement information with a subsequent endorsement time, a final bearer information being inconsistent with a redemption applicant identity information, and the like, and may be output to the redemption applicant operator and the banking operator simultaneously, or different error information may be selectively transmitted to one of the redemption applicant operator and the banking operator.
It should be noted that the embodiment of the present application does not specifically limit the execution sequence of steps S205 to S207, steps S208 to S209, and steps S210 to S216, for example, steps S208 to S209, steps S210 to S216, and steps S205 to S207 may be executed first.
Referring to fig. 4, there is shown a schematic diagram of a remote cashing apparatus for a paper bank acceptance draft according to an embodiment of the present application, the apparatus including: a video acquisition module 401, an image acquisition module 402, an image recognition module 403, and a money order redemption module 404.
The video obtaining module 401 is configured to obtain a display video of a paper bank acceptance draft to be redeemed.
The image obtaining module 402 is configured to unframe the display video of the paper bank acceptance bill to be redeemed, so as to obtain an image of the paper bank acceptance bill to be redeemed.
The image recognition module 403 is configured to recognize an image of the paper bank acceptance bill to be redeemed, and obtain a drawing amount of the paper bank acceptance bill to be redeemed and final bill holder information.
And the draft cashing module 404 is used for cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final ticket holder information.
Therefore, by firstly acquiring the display video of the paper bank acceptance draft to be redeemed, the ticket holder can remotely display the paper bank acceptance draft to be redeemed; then, performing unframing on the display video of the paper bank acceptance draft to be redeemed to obtain an image of the paper bank acceptance draft to be redeemed; then, identifying the image of the paper bank acceptance draft to be redeemed to obtain the draft amount of the paper bank acceptance draft to be redeemed and the final ticket holder information; and finally, cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final ticket holder information. Therefore, the information carried by the paper bank acceptance bill to be redeemed can be obtained by carrying out image recognition on the image of the paper bank acceptance bill to be redeemed in the display video of the paper bank acceptance bill to be redeemed, so that the paper bank acceptance bill to be redeemed can be remotely redeemed.
In some embodiments, the remote redemption device for a paper bank acceptance draft further comprises: and an identity information acquisition module.
The identity information acquisition module is used for acquiring an identity information display video containing identity authentication material displayed by a cashing applicant, wherein the identity authentication material comprises at least one of identity documents, personal signatures and special company financial stamps; and displaying the video based on the identity information to obtain the identity information of the cashing applicant.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the apparatus is substantially similar to the method embodiment, so that the description is simple, and reference may be made to the partial description of the method embodiment for relevant points. The above-described apparatuses are only schematic, and the units described as separate parts may or may not be physically separate, and the parts suggested as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered within the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A remote redemption method for a paper bank acceptance draft, the method comprising:
acquiring a display video of a paper bank acceptance bill to be redeemed;
performing de-framing on the display video of the acceptance draft of the paper bank to be redeemed to obtain an image of the acceptance draft of the paper bank to be redeemed;
identifying the image of the paper bank acceptance bill to be redeemed to obtain the drawing amount of the paper bank acceptance bill to be redeemed and the final bill holder information;
and cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final ticket holder information.
2. The method of claim 1, wherein the identifying the image of the paper bank acceptance draft to be redeemed to obtain the draft amount and the final bearer information of the paper bank acceptance draft comprises:
identifying draft elements and endorsement information in the image of the paper bank acceptance draft to be redeemed, wherein the draft elements at least comprise drawer information, draft amount, signature information and payee information;
if the image of the paper bank acceptance draft to be redeemed contains legal endorsement information, determining the last endorsee identity information in the legal endorsement information as the final ticket holder information; and if the image of the paper bank acceptance draft to be cashed does not contain endorsement information, determining the payee information as the final ticket holder information.
3. The method of claim 2, wherein the identifying the money order elements in the image of the paper bank acceptance money order to be redeemed comprises:
identifying the invoicing amount represented by Chinese characters and the invoicing amount represented by numbers contained in the image of the paper bank acceptance draft to be redeemed;
acquiring the number corresponding to the Chinese character in the bill drawing amount represented by the Chinese character based on the corresponding relation between the Chinese character and the number;
and if the number obtained based on the corresponding relation between the Chinese characters and the number is not consistent with the number in the identified ticket-drawing amount represented by the number, outputting error-reporting information.
4. The method of claim 2, wherein identifying the money order elements in the image of the paper bank acceptance money order to be redeemed comprises:
dividing a plurality of signatures contained in the image of the paper bank acceptance draft to be redeemed to obtain a signature picture;
and identifying the signature picture to obtain signature information.
5. The method of claim 2, wherein the identifying endorsement information in the image of the paper bank acceptance bill to be redeemed comprises:
identifying the content of an endorsement area in the image of the paper bank acceptance draft to be redeemed to obtain at least one endorsement information, wherein the order of the endorsement information from left to right in the endorsement area corresponds to the order of the endorsement time of the endorsement information from first to last;
and if the drawer information in the endorsement information with the earliest endorsement time in the endorsement information is inconsistent with the payee information in the image of the paper bank acceptance draft to be cashed, outputting error reporting information.
6. The method of claim 2, wherein the identifying endorsement information in the image of the paper bank acceptance draft to be redeemed comprises:
dividing the content of an endorsement area in the image of the paper bank acceptance draft to be redeemed to obtain a plurality of endorsement information, wherein the order of the endorsement information from left to right in the endorsement area corresponds to the order of the endorsement time of the endorsement information from first to last;
if the information of the person to be endorsed in the endorsement information with the endorsement time before is inconsistent with the information of the ticket drawer in the endorsement information with the endorsement time after in the two endorsement information with the adjacent endorsement times, outputting error reporting information.
7. The method as recited in claim 1, wherein prior to obtaining the video of the display of the paper bank acceptance draft to be redeemed, the method further comprises:
acquiring an identity information display video containing a cash-in applicant display identity material, wherein the identity material comprises at least one of an identity document, a personal signature and a special company financial seal;
and displaying the video based on the identity information to obtain the identity information of the cashing applicant.
8. The method of claim 7, wherein redeeming the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft and the final bearer information comprises:
if the final ticket holder information is consistent with the identity information of the cashing applicant, acquiring a final ticket holder account based on the final ticket holder information;
and remitting the same amount of money as the drawing amount of money into the final ticket holder account based on the drawing amount of the paper bank acceptance draft.
9. A remote redemption device for a paper bank acceptance draft, the device comprising: the system comprises a video acquisition module, an image identification module and a money order cashing module;
the video acquisition module is used for acquiring a paper bank acceptance bill display video to be redeemed;
the image acquisition module is used for unframing the display video of the paper bank acceptance bill to be redeemed to obtain an image of the paper bank acceptance bill to be redeemed;
the image identification module is used for identifying the image of the paper bank acceptance draft to be converted to obtain the drawing amount of the paper bank acceptance draft to be converted and the final ticket holder information;
and the draft cashing module is used for cashing the paper bank acceptance draft based on the draft amount of the paper bank acceptance draft to be cashed and the final ticket holder information.
10. The apparatus of claim 9, further comprising: an identity information acquisition module;
the identity information acquisition module is used for acquiring an identity information display video containing a cash applicant display identity material, wherein the identity material comprises at least one of an identity document, a personal signature and a special company financial seal; and displaying the video based on the identity information to obtain the identity information of the cashing applicant.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210988369.2A CN115345725A (en) | 2022-08-17 | 2022-08-17 | Remote cashing method and device for paper bank acceptance draft |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210988369.2A CN115345725A (en) | 2022-08-17 | 2022-08-17 | Remote cashing method and device for paper bank acceptance draft |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115345725A true CN115345725A (en) | 2022-11-15 |
Family
ID=83951106
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210988369.2A Pending CN115345725A (en) | 2022-08-17 | 2022-08-17 | Remote cashing method and device for paper bank acceptance draft |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115345725A (en) |
-
2022
- 2022-08-17 CN CN202210988369.2A patent/CN115345725A/en active Pending
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US7584128B2 (en) | Validating negotiable documents using public document validation profiles | |
| USRE47309E1 (en) | System and method for capture, storage and processing of receipts and related data | |
| US7680739B1 (en) | Check processing and categorizing system | |
| US8380592B2 (en) | Methods, systems, and computer program products for processing and/or preparing a tax return and initiating certain financial transactions | |
| US6816608B2 (en) | Storing information recorded as part of a financial transaction with a quantity of data stored determined by a monetary value of the transaction | |
| US7558418B2 (en) | Real time image quality analysis and verification | |
| JP6535860B1 (en) | Journal element analysis device, accounting processor, journal element analysis method, journal element analysis program | |
| US10354234B2 (en) | System and method for single point of entry deposit | |
| US20130204783A1 (en) | System and method for performing remote check presentment (rcp) transactions by a check cashing company | |
| US20070033137A1 (en) | Converting patient payments into standardized electronic payment documents | |
| JP6646308B1 (en) | Voucher analysis device, accounting processing system, voucher analysis method, voucher analysis program | |
| KR20130084645A (en) | Teller supporting counter reception system and counter processing method | |
| WO2020012539A1 (en) | Journalization element analysis device, accounting system, journalization element analysis method, and journalization element analysis program | |
| US9129197B1 (en) | Highlight-based bill processing | |
| KR101484300B1 (en) | Electronic documents management apparatus for service of bank | |
| KR20150046941A (en) | Electronic document system for work bank and processing method thereof | |
| US20200193525A1 (en) | System and method for automatic verification of expense note | |
| CN115345725A (en) | Remote cashing method and device for paper bank acceptance draft | |
| TWM568448U (en) | Intelligent audit system | |
| KR101597307B1 (en) | Electronic document system and processing method thereof | |
| US10796291B2 (en) | Self-service check cashing system and method | |
| JP6981671B2 (en) | Journal element analysis device, accounting processing device, journal element analysis method, journal element analysis program | |
| Chukwudi et al. | Development of e-banking, its benefits and challenges in the Nigerian banking industry | |
| US10360641B2 (en) | Hybrid electronic lockbox | |
| KR20150046939A (en) | Electronic document system and processing method thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |