CN104143140B - A kind of check cashes method, cashes system and circle deposit system - Google Patents
A kind of check cashes method, cashes system and circle deposit system Download PDFInfo
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- CN104143140B CN104143140B CN201410132136.8A CN201410132136A CN104143140B CN 104143140 B CN104143140 B CN 104143140B CN 201410132136 A CN201410132136 A CN 201410132136A CN 104143140 B CN104143140 B CN 104143140B
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/047—Payment circuits using payment protocols involving electronic receipts
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/045—Payment circuits using payment protocols involving tickets
- G06Q20/0457—Payment circuits using payment protocols involving tickets the tickets being sent electronically
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
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Abstract
Cashing method, cash system and circle deposit system the invention discloses a kind of check, system in system that what circle deposit system included communicating to connect successively cash, financial settlement system and bank's row, cashing system includes cashing terminal and background server, and the method for cashing comprises the following steps：Ticket purchasing request is received, the first Quick Response Code is generated according to payment information and prints on the specific region of check；Receiving information is inserted into check；When receiving check and cashing request, scanning check is to identify the first Quick Response Code and Receiving information, and the first Quick Response Code of decoding is to obtain payment information；Sent to financial settlement system and pay request, to complete debit transaction by financial settlement system and paying bank system, and with receiving bank system complete credit business.By identifying in the first Quick Response Code that the information that loads such as completes to cash at the link, check real-time verification is realized, cashes in real time and arrives account in real time, is not limited the business hours by financial institution, whenever and wherever possible progress check business.
Description
Technical field
The present invention relates to check clearing field, more specifically to a kind of check cash method, cash system and
Circle deposit system.
Background technology
When e-finance does not grow up also, due to transporting the inadequate safety convenient of cash, therefore check is developed
This means of payment, its is easy to carry and safer.After e-finance grows up, means of payment are increasingly various
Change, seem excessively cumbersome by way of the clearance that check completes fund, enterprise needs first to buy check from bank counter, issues
More there are many cumbersome rules and regulations during check, and handle check in sales counter for the people for wanting to cash for holding check and cash
There is also inconvenience profit for business, it is seen then that check in use not convenient is to limit the main cause that check uses.
But check has its natural advantage relative to paying in cash, such as it can sign, can report the loss and possess numerous safety measures
Prevent financial risks.Therefore how to develop check electronization, keep up with the situation of financial modernization development, be current check business hair
The key of exhibition.
The content of the invention
The present invention for how to develop check electronization in the prior art the problem of, there is provided a kind of check cash method,
System and circle deposit system are cashed, the key message of check is generated into Quick Response Code and is printed upon on check, by identifying Quick Response Code
The information of middle loading such as completes to cash at the link, realizes check real-time verification, cashes in real time and arrive account in real time, not by financial institution
Business hours limit, and carry out check business whenever and wherever possible.
The present invention solves the technical scheme that its technical problem uses：A kind of method of cashing of check is provided, including it is following
Step：
S1, ticket purchasing request is received, the first Quick Response Code is generated according to payment information, and first Quick Response Code is printed on into branch
The specific region of ticket, the payment information include payer information and paying bank's information；
S2, Receiving information inserted to the check, the Receiving information include receiver information, receiving bank's information and
Cheque sum；
S3, when receiving check and cashing request, scan the check to identify first Quick Response Code and the gathering
Information, first Quick Response Code is decoded to obtain the payment information；
S4, sent to financial settlement system and pay request, to be borrowed by financial settlement system and the completion of paying bank system
Note business, and credit business is completed with receiving bank system, it is described to pay request and include institute so as to complete to cash the check
State payment information and the Receiving information.
Preferably, step S2 includes following sub-step：
S21, according to the Receiving information generate the second Quick Response Code；
S22, the specific region that second Quick Response Code is printed on to the check.
Preferably, step S3 includes following sub-step：
S31, the check is scanned to identify first Quick Response Code and second Quick Response Code；
S32, first Quick Response Code is decoded to obtain the payment information；
S33, second Quick Response Code is decoded to obtain the Receiving information.
Preferably, step S3 includes following sub-step：
S34, when receiving check and cashing request, verify the true and false of the check, sub-step performed if being verified
S35, do not stop cashing the check if if checking；
S35, prompting input receiving bank information；
S36, to receiving bank system receiving bank's information verification request is sent, and receive that receiving bank's system returns tests
Result is demonstrate,proved, the receiver information checking request includes the receiver information of input；
S37, the scanning check decode first Quick Response Code to identify first Quick Response Code and the Receiving information
To obtain the payment information, and verify the Receiving information；
If S38, the receiver information authentication failed of input, or the Receiving information authentication failed, then stop cashing institute
Check is stated, step S4 is performed if the receiver information if input is verified and the Receiving information is verified.
A kind of system of cashing of check is provided, including：
Terminal is cashed, for receiving check to be cashed, and the image information of the check is obtained, is recorded on the check
Receiving information, the Receiving information include payee's name, receiving bank's information and cheque sum, the check it is specific
The first Quick Response Code is printed with region, first Quick Response Code loads payment information, and the payment information includes requestee's title
And paying bank's information；
Background server, terminal communication connection is cashed with described, for handling the image information of the check to identify
The first Quick Response Code and the Receiving information are stated, decodes first Quick Response Code to obtain the payment information, the background service
Device, which is additionally operable to send to financial settlement system, pays request, to complete debit industry by financial settlement system and paying bank's system
Business and receiving bank's system complete credit business, and so as to complete to cash the check, the payment request includes the payment and believed
Breath and the Receiving information.
Preferably, the terminal of cashing includes：
Information exchange unit, for receiving the information of user's input；
Bill acceptance unit, when the information for being received in described information interactive unit cashes instruction for check, receive
The check；
Image collection unit, the image information of the check received for gathering the bill acceptance unit；
Communication unit, the image information of the check for the image collection unit to be collected are sent to the backstage clothes
Business device.
Preferably, the terminal of cashing also includes：
Memory cell, for storing the fundamental of branch tickets sample ticket；
Dummy unit is tested, for the fundamental of the branch tickets sample ticket stored based on the memory cell, verifies that the check connects
Receive the true and false for the check that unit receives.
Preferably, the terminal of cashing also includes：
Draw a bill unit, when the information for being received in described information interactive unit is ticket purchasing request, by the described first two dimension
Code prints on the specific region of the check, and completes to draw a bill.
Preferably, the background server include with it is described cash terminal communication connection front end units, respectively with it is described
Front end units and the financial settlement system core processing unit communicated to connect and the collection being connected with the core processing unit
Middle operation unit；When the front end units receive the image information of the check for cashing terminal transmission, at the core
Concentrative operation unit described in managing cell call, is handled to identify the image information of check by the concentrative operation unit
First Quick Response Code and the Receiving information, and first Quick Response Code is decoded to obtain the payment information；The core
Processing unit, which is additionally operable to send to financial settlement system, pays request, to be completed by financial settlement system and paying bank's system
Debit transaction and receiving bank's system are completed credit business, described to pay request including described in so as to complete to cash the check
Payment information and the Receiving information.
A kind of circle deposit system of check, including financial settlement system be provided, and with the financial settlement system communication link
The paying bank's system and receiving bank's system connect, the circle deposit system of the check also include the check in any of the above-described
Cash system.
The check of the present invention cashes method, cashes system and circle deposit system has following beneficial aspects：By check
Payment information generates the first Quick Response Code and is printed upon on check, by identifying that the information loaded in the first Quick Response Code is completed to cash
Link, check real-time verification is realized, cashes in real time and arrives account in real time, is not limited the business hours by financial institution, whenever and wherever possible
Carry out check business.
Brief description of the drawings
Fig. 1 is the flow chart for cashing method first embodiment of the check of the present invention；
Fig. 2 is the structural representation of the circle deposit system first embodiment of the check of the present invention；
Fig. 3 is the logi function chart that system is cashed in the circle deposit system first embodiment of the check of the present invention；
Fig. 4 is the workflow diagram of the circle deposit system of the check of the present invention.
Embodiment
The present invention is further explained below in conjunction with drawings and examples.
Fig. 1 is the flow chart for cashing method first embodiment of the check of the present invention, as shown in figure 1, in the present embodiment,
The method of cashing of check is used to cash system in check（Referring to Fig. 2）Middle to complete cashing for check, method of cashing includes following
Step：
S1, ticket purchasing request is received, the first Quick Response Code is generated according to payment information, and the first Quick Response Code is printed on into check
Specific region, payment information include requestee's title and paying bank's information；
S2, Receiving information is inserted to the check, Receiving information includes payee's name, receiving bank's information and check
The amount of money；
S3, when receiving check and cashing request, scanning check is to identify the first Quick Response Code and Receiving information, decoding first
Quick Response Code is to obtain payment information；
S4, sent to financial settlement system and pay request, to be borrowed by financial settlement system and the completion of paying bank system
Note business, and credit business is completed with receiving bank system, it is described to pay request and include institute so as to complete to cash the check
State payment information and the Receiving information.
In the step S1 of the present embodiment, the requestee of check must be in bank（That is paying bank）Complete registration, check
Requestee can be company, ticket-buyer（For example, the finance of company）Booking can be completed on terminal 110 is cashed, specifically,
When cashing terminal 110 and receiving ticket purchasing request, user is prompted to input payer information, payer information includes requestee's title
（Such as Business Name）, then cash terminal 110 and the payer information that user inputs be sent to backstage clothes by financial private network
Payer information is sent directly to paying bank's system 310 and carries out payer information checking by business device 120, background server 120,
Or payer information is initiated to paying bank's system 310 in a manner of business financial settlement system 200 and verified.Backstage takes
The result that the reception financial settlement of device 120 of being engaged in system 200 or paying bank's system return, if being verified, basis is paid
Money people information and paying bank's information generate the first Quick Response Code, and the first Quick Response Code is sent to and cashes terminal 110, requestee
Information includes requestee's title, and paying bank's information includes payment bank name, paying bank's line number, payment every trade not and paid
Money account.Cash the specific region that terminal 110 prints on the first Quick Response Code on check, such as the clear area in the upper left corner of check
Domain, complete to draw a bill.In addition, can also include type of payment and check draft bank in the information described in the first Quick Response Code, backstage
Server 120 can obtain required check draft bank from terminal 110 is cashed, and control and cash terminal 110 by the 1st of generation the
Dimension code is printed on corresponding blank check.In other embodiments, can also be by payer information and paying bank's information one
It is same to print on check.
In other embodiments, the booking process in step S1 can also be completed in bank counter, specifically, requestee needs
To complete to register in bank, the sales counter purchase check of ticket-buyer to bank of deposit, Receptionist operation computer is believed according to requestee
Breath, paying bank's information and check draft bank generate the first Quick Response Code, and the printing device by being connected with computer is by first
Quick Response Code prints on the ad-hoc location of check, so as to complete to draw a bill.Equally, while the first Quick Response Code is printed, can also incite somebody to action
Payer information and paying bank's information print to the relevant position on check.
In the step S2 of the present embodiment, when needing to draw a cheque, Receiving information is inserted the corresponding of check by requestee
Position and stamped signature is covered, Receiving information includes receiver information, receiving bank's information and cheque sum（Label can also be included
Send out the date（Or date of draft））, receiver information includes payee's name（For example, the title of collecting company）, receiving bank
Information includes receiving bank's title, receiving bank's line number and payee account.
Include following sub-step in the step S3 of the present embodiment：S34, when receiving check and cashing request, verify check
The true and false, if being verified perform sub-step S35, if checking do not stop cashing the check if；S35, prompting input are received
Money people's information；S36, to receiving bank system receiver information checking request is sent, and receive that receiving bank's system returns tests
Result is demonstrate,proved, receiver information checking request includes the receiver information of input；S37, scanning check with identify the first Quick Response Code and
Receiving information, the first Quick Response Code of decoding verify Receiving information to obtain payment information；If S38, the receiver information of input are tested
Card failure, or Receiving information authentication failed, then stop cashing the check, if the receiver information of input is verified and received
Money Information Authentication is by then performing step S4.
Payee（Holder of bill）It can use and cash cashing for the completion check of terminal 110, exist specifically, cashing terminal 110
The check of user's input is received when cashing request, receives the check that holder of bill provides, obtains the fundamental of the check, substantially
Key element includes weight, shading etc., by the fundamental of the check of acquisition and the basic number of each banker's check sample ticket prestored
Matching treatment is carried out according to the data in storehouse, the check for representing to receive if the match is successful is true, is represented if matching is unsuccessful
It is put into and cashes the check of terminal 110 and be false or be not check.When check authenticity verification by after, cash terminal 110 prompt it is defeated
Enter receiving bank's information（It can also prompt to input holder of bill's cell-phone number, for after check cashes end, by result with short message
Mode notifies holder of bill）, cash terminal 110 and receiving bank's information be sent to background server 120, background server 120 to
Financial settlement system 200 initiates receiving bank's information verification request, and receiving bank's information verification request includes holder of bill by converting
Receiving bank's information that terminal 110 inputs is paid, and corresponding receiving bank's system 320 is forwarded by financial settlement system 200, is collected money
Banking system 320 judges whether collecting account is normal according to receiving bank's information（For example the account whether there is, if be frozen
Knot etc.）, and will determine that receipt is sent to background server 120 through financial settlement system 200, judge to have recorded checking knot in receipt
Fruit.After cashing terminal 110 and receiving receiving bank's information that holder of bill inputs, initiating to collect money to financial settlement system 200
While bank information checking request, the image information of check can be also obtained, and image information is sent to background server
120, image information is focused on by background server 120, focus on work include image information is cut into slices,
To be cut into slices typing, the first Quick Response Code of identification and Receiving information, examination ＆ verification（Checking）Requestee's stamped signature and Receiving information etc..It can adopt
Receiving information is identified with ORC technologies, examination ＆ verification requestee stamped signature mainly judges whether requestee's stamped signature is correct, examination ＆ verification gathering letter
Breath mainly judges whether the amount of money filled in has correction（Correction does not allow）.Then the first Quick Response Code solution that will identify that
Code, to obtain payment information.If judging, display is verified in receipt, and requestee's stamped signature and Receiving information checking are logical
Cross, background server 120 then sends to financial settlement system 200 and pays request, and paying request includes the image information of check, pays
Money information and Receiving information, that is, perform step S4.If judge the result and requestee's stamped signature and the receipts shown in receipt
One of money information is not by then carrying out returned ticket processing.
It is related to existing take this opportunity business and credit business in the step S4 of the present embodiment, specifically, being tied by finance
The image information of check, payment information, Receiving information are sent to paying bank's system 310, paying bank's system by calculation system 200
The image information of 310 pairs of checks carries out print test, and the business that takes this opportunity is completed according to payment information and Receiving information if print test success,
So as to complete to deduct the corresponding amount of money from the bank account of requestee, and the first processing is returned to financial settlement system 200
Receipt.If the first processing receipt is normal, financial settlement system 200 again sends processing receipt, payment information and Receiving information
To receiving bank's system 320, the corresponding amount of money is included in the account of payee by receiving bank's system 320, completes credit business, and
Second processing receipt is returned to financial settlement system 200, second processing receipt is sent to backstage again and taken by financial settlement system 200
The result notice of second processing receipt is cashed terminal 110, prompts to use by cashing terminal 110 by business device 120, background server 120
Cash successfully or fail in family.
The first embodiment of method is cashed in the check of the present invention, the payment information of check generated into first Quick Response Code
And be printed upon on check, by identifying in the first Quick Response Code that the information that loads such as completes to cash at the link, realize check real-time verification,
Cash in real time and arrive account in real time, do not limited the business hours by financial institution, carry out check business whenever and wherever possible.
The second embodiment of method is cashed in the check of the present invention, the area for cashing method first embodiment with check
It is not, in the step S2 of the present embodiment, Receiving information also includes payment cipher, when needing to draw a cheque, passes through payment
Password obtains terminal and payee's name, cheque sum and receiving bank's information is sent into paying bank's system 310, payment silver
Row system 310, which generates payment cipher and returns to payment cipher, obtains terminal, by payment cipher, payee's name and receiving bank
Information together inserts the relevant position of check, and covers payee's stamped signature.
In the step S4 of the present embodiment, paying bank's system can also be carried out when take this opportunity business to payment cipher
Checking.Now, the image information print test of check by and payment cipher be verified, this debit transaction could be completed.
Method 3rd embodiment is cashed in the check of the present invention, to cash method include following steps：
S1, ticket purchasing request is received, the first Quick Response Code is generated according to payment information, and the first Quick Response Code is printed on into check
Specific region, payment information include requestee's title and paying bank's information；
S2, Receiving information is inserted to the check, Receiving information includes payee's name, receiving bank's information and check
The amount of money；
S3, when receiving check and cashing request, scanning check is to identify the first Quick Response Code and Receiving information, decoding first
Quick Response Code is to obtain payment information；
S4, sent to financial settlement system and pay request, to be borrowed by financial settlement system and the completion of paying bank system
Note business, and credit business is completed with receiving bank system, it is described to pay request and include institute so as to complete to cash the check
State payment information and the Receiving information.
Difference of the present embodiment with cashing method first embodiment is that in the step S2 of the present embodiment, requestee can
So that Receiving information is sent into background server 120 by computer, Receiving information is encoded to second by background server 120
Quick Response Code（Sub-step S21）, and the second Quick Response Code is returned into the computer, the computer will by the printing device being attached thereto
Second Quick Response Code prints to the specific region for the check for needing to sign and issue（Sub-step S22）, such as the white space in the check lower right corner.
Now, the first Quick Response Code and the second Quick Response Code are printed with the check, is loaded with payment information and Receiving information respectively.In addition,
Payee's name, gathering row information can also be together printed on check with the second Quick Response Code.When it is implemented, background service
Device 120 can issue a website, and requestee can log in the website by browser, and the respective page in the website inserts receipts
Money information, and the second Quick Response Code of generation is obtained, then Quick Response Code is printed on check.
The step S3 of the present embodiment includes following sub-step：S31, check is scanned to identify the first Quick Response Code and the second two dimension
Code；S32, the first Quick Response Code is decoded to obtain payment information；S33, the second Quick Response Code is decoded to obtain the Receiving information.
Specifically, in step s3, payee（Holder of bill）It can use and cash cashing for the completion check of terminal 110, convert
Terminal 110 is paid when the check for receiving user's input cashes request, the check that holder of bill provides is received, obtains the base of the check
Essentiality, fundamental include weight, shading etc., by the fundamental of the check of acquisition and each banker's check sample prestored
Data in the master database of ticket carry out matching treatment, and the check for representing to receive if the match is successful is true, if matching is not
It is successful then represent that being put into the check for cashing terminal 110 is false or is not check.When check authenticity verification by after, cash terminal
110 prompting input receiving bank information（It can also prompt to input holder of bill's cell-phone number, for after check cashes end, will tie
Fruit notifies holder of bill in a manner of short message）, cash terminal 110 and receiving bank's information be sent to background server 120, backstage takes
Device 120 be engaged in the initiation of financial settlement system 200 receiving bank information verification request, receiving bank's information verification request is including holding ticket
Receiving bank's information that people is inputted by cashing terminal 110, and corresponding receiving bank's system is forwarded by financial settlement system 200
320, receiving bank's system 320 judges whether collecting account is normal according to receiving bank's information（For example the account whether there is,
Whether be frozen etc.）, and will determine that receipt is sent to background server 120 through financial settlement system 200, judge described in receipt
The result.After cashing terminal 110 and receiving receiving bank's information of holder of bill's input, to financial settlement system 200
While initiating receiving bank's information verification request, the image information of check can be also obtained, and image information is sent to backstage
Server 120, image information is focused on by background server 120, focusing on work includes entering image information
Row section, will cut into slices typing, the first Quick Response Code of identification and the second Quick Response Code, examination ＆ verification（Checking）Requestee's stamped signature etc..Examination ＆ verification payment
People's stamped signature mainly judges whether requestee's stamped signature is correct.Then the first Quick Response Code and the second Quick Response Code that will identify that respectively enter
Row decoding, to obtain payment information and Receiving information.If judging, display is verified in receipt, and the checking of requestee's stamped signature is logical
Cross, background server 120 then sends to financial settlement system 200 and pays request, and paying request includes the image information of check, pays
Money information and Receiving information, that is, perform step S4.If judge the result that is shown in receipt and requestee's stamped signature is tested
It is not by then carrying out returned ticket processing to demonstrate,prove one of result.
In the payment information generation the one or two cashed 3rd embodiment of method, use check of the check of the present invention
Code is tieed up, the second Quick Response Code is generated using the Receiving information of check, and the first Quick Response Code and the second Quick Response Code are printed upon on check,
The information loaded by identifying in the first Quick Response Code and the second Quick Response Code such as completes to cash at the link, simplifies and cashes process in check
In workflow, be especially reduction of the workload of the identification to the image information of check, realize check real-time verification, reality
When cash and arrive account in real time, do not limited the business hours by financial institution, whenever and wherever possible carry out check business.
The fourth embodiment of method is cashed in the check of the present invention, the area for cashing method 3rd embodiment with check
It is not, in the step S2 of the present embodiment, Receiving information also includes payment cipher, when needing to draw a cheque, passes through payment
Password obtains terminal and payee's name, cheque sum and receiving bank's information is sent into paying bank's system 310, payment silver
Row system 310, which generates payment cipher and returns to payment cipher, obtains terminal, by payment cipher, payee's name and receiving bank
Information together inserts the relevant position of check, and covers payee's stamped signature.
In the step S4 of the present embodiment, paying bank's system can also be carried out when take this opportunity business to payment cipher
Checking.Now, the image information print test of check by and payment cipher be verified, this business that takes this opportunity could be completed.
The fourth embodiment of method is cashed in the check of the present invention, is existed with cashing the difference of 3rd embodiment of method
In in the step S2 of the present embodiment, Receiving information also includes payment cipher, when needing to draw a cheque, passes through payment cipher
Obtain terminal and payee's name, cheque sum and receiving bank's information are sent to paying bank's system 310, system of paying bank
The generation payment cipher of system 310 simultaneously returns to payment cipher acquisition terminal.Requestee can be by computer by payment cipher, payee
Information, receiving bank's information and cheque sum are sent to background server 120, are compiled Receiving information by background server 120
Code is the second Quick Response Code（Sub-step S21）, and the second Quick Response Code is returned into the computer, the computer is beaten by what is be attached thereto
Printing apparatus prints to the second Quick Response Code the specific region for the check for needing to sign and issue（Sub-step S22）, such as the check lower right corner
White space.In the step S4 of the present embodiment, paying bank's system can also be carried out when take this opportunity business to payment cipher
Checking.Now, the image information print test of check by and payment cipher be verified, this business that takes this opportunity could be completed.
Fig. 2 is the structural representation of the first embodiment of circle deposit system 400 of the check of the present invention, as shown in figure 4, in this reality
Apply in example, the check that the circle deposit system 400 of check includes passing sequentially through financial private network communication connection cashes system 100, finance
System 300 in settlement system 200 and bank's row, system 300 includes paying bank's system 310 in bank's row and receiving bank is
System 320.
In the present embodiment, cashing system 100 includes cashing terminal 110 and background server 120, background server
120 are communicated to connect by financial private network with cashing terminal 110.Wherein, cash terminal 110 and be arranged at bank agency, 24 is small
When the cashing service of check is provided, specifically it is used to receive check to be cashed, and the image information of check is obtained, on check
Receiving information is described, Receiving information includes payee's name, receiving bank's information and cheque sum, and in the spy of check
Determine to be printed with the first Quick Response Code on region, be loaded with payment information in the first Quick Response Code, payment information include requestee's title with
And paying bank's information.Background server 120 is used to handle the image information for cashing the check that terminal 110 obtains to identify first
Quick Response Code and Receiving information, the first Quick Response Code is decoded to obtain payment information.Background server 120 is additionally operable to financial settlement system
The transmission of system 200 pays request, to complete debit transaction and gathering silver by financial settlement system 200 and paying bank's system 310
Row system 320 completes credit business, so as to complete to cash a check, wherein paying request includes payment information and Receiving information.
In the present embodiment, the logic diagram of terminal 110 is cashed as shown in figure 3, cashing terminal 110 includes：
Information exchange unit 111, for carrying out information exchange with user, interaction includes the information for receiving user's input
And carry out information alert；
Bill acceptance unit 112, when the information for being received in information exchange unit 111 cashes instruction for check, connect
Receive check；
Image collection unit 113, the image information of the check for gathering the reception of bill acceptance unit 112；
Communication unit 114, the image information of the check for image collection unit 113 to be collected are sent to background service
Device 120；
Memory cell 115, for storing the fundamental of branch tickets sample ticket；
Dummy unit 116 is tested, for the fundamental of the branch tickets sample ticket stored based on memory cell 115, verifies bill acceptance
The true and false for the check that unit 112 receives.
In other embodiments, unit 117 of drawing a bill can also be included by cashing terminal 110, and unit 117 of drawing a bill is used in information
When the information that interactive unit 111 receives is ticket purchasing request, the first Quick Response Code is printed on to the specific region of check, and complete out
Ticket.Unit 117 of drawing a bill can also possess the function of providing various receipts, when user is cashing terminal 110 and completes business, lead to
Cross information exchange unit 111 to prompt the user whether to print receipt, if user selects printing, by drawing a bill, unit 117 prints phase
Receipt is simultaneously supplied to user by the receipt answered.
In the present embodiment, the logic diagram of background server 120 is as shown in figure 3, background server 120 includes preposition list
Member 121, core processing unit 122 and concentrative operation unit 123.Wherein, communication of the front end units 121 with cashing terminal 110
Unit 114 communicates to connect, core processing unit 122 respectively with front end units 121, concentrative operation unit 123 and financial settlement
System 200 communicates to connect.When front end units 121 receive the image information for the check for cashing the transmission of terminal 110, core processing
Unit 122 calls concentrative operation unit 123, and the image information of check is handled by concentrative operation unit 123, identification the
One Quick Response Code and Receiving information, the first Quick Response Code is decoded to obtain payment information.Core processing unit 122 is additionally operable to tie to finance
Calculation system 200, which is sent, pays request, to complete debit transaction, with receiving by financial settlement system 200 and paying bank's system 310
Money banking system 320 completes credit business, so as to complete to cash a check, wherein paying request includes payment information and gathering letter
Breath.
As shown in figure 3, front end units 121 are respectively with cashing the communication unit 114 and core processing unit of terminal 110
122 communication module connection, be converted to what core processing unit 122 can be handled for the information that terminal 110 sends will to be cashed
Data, including communication module, image cache module, message distribution module, preposition management module and cluster management module.At core
Managing unit 122 includes communication module, kernel scheduling module, account inquiries module, revenue and expenditure business module, information service module, short
Telecommunications services module, data scrubbing module, statistics accounting module, summation management module, timing control module and polling system module.
Concentrative operation unit 123 includes communication module, Yunnan snub-nosed monkey module, image slice module, work production module, operation recovery
Module, job scheduling module, operation preserving module, operation output module and Quick Response Code coding and decoding module, wherein operation are protected
Storing module includes fragment preserving module, combination preserving module and supplementary module.
Wherein, front end units 121 pass through its communication module and the communication unit 114 and core processing of cashing terminal 110
The communication module communication connection of unit 122.Image cache module is used to cache the image information from the reception of terminal 110 is cashed.Report
Literary distribution module is used for from the data for cashing the information that terminal 110 receives and being converted to core processing unit 122 and can handling.Before
Management module is put to be used to run the master data needed for front end units 121.Cluster management module is used for communicating with connection
More are cashed terminal 110（It is probably many-one to cash terminal 110 and background server 120）Information transmit-receive coordinated and managed
Reason.
Core processing unit 122 passes through its communication module and the communication module of front end units 121, concentrative operation unit 123
Communication module and financial settlement system, Short Message Service Gateway communication connection.
Kernel scheduling module is used to manage multiple threads（Task）, complete the scheduling of thread.
Account inquiries module is used for Information Authentication, and Information Authentication includes payer information checking and receiving bank's information is tested
Card.When carrying out payer information checking, ticket purchasing request is received when cashing terminal 110, prompts user to input payer information,
Then the preposition list that the payer information that user inputs is sent to background server 120 by terminal 110 by financial private network is cashed
Member 121, core processing unit 122, the account inquiries mould of core processing unit 122 are exported after being changed by front end units 121
Payer information is sent directly to paying bank's system 310 and carries out payer information checking by block, or passes through financial settlement system
System 200 initiates payer information checking in a manner of business to paying bank's system 310.Core processing unit 122 receives finance
The result that settlement system 200 or paying bank's system return, if being verified, call integrated operations unit 123
Quick Response Code coding and decoding module generates the first Quick Response Code according to payer information and paying bank information, and by the first Quick Response Code
It is sent to and cashes terminal 110.When carrying out the checking of first bank information, the account inquiries module of background server 120 is to finance
Settlement system 200 initiates receiving bank's information verification request, and receiving bank's information verification request includes holder of bill by cashing end
Receiving bank's information of the input of end 110, and forward corresponding receiving bank's system 320 to judge to collect money by financial settlement system 200
Whether account is normal.
Revenue and expenditure business module is used to perform fund class business, realizes fund dealing, such as financial settlement system 200
Send and pay request.
Information service management module is used to perform non-fund class business, for example, inquiry log etc..
Short message service module cooperates with Short Message Service Gateway completes SMS notification business.
Data understand that module is used for schedule backup data, cleared data and the dump of data.
Statistics accounting module is used for the service charge for calculating business, can also be with checkout terminal 110, revenue and expenditure business module, gold
Melt settlement system and service charge is collected in bank's built-in system collaboration completion.
Comprehensive management module is used for the maintenance for carrying out system master data, initialization system basic parameter.
The timing control module of management key-course is used for the timing for realizing each business processing time limit.
The polling system module of management key-course is used for scan task queue.
The Yunnan snub-nosed monkey module of concentrative operation unit 123 is used to optimize former image information by certain algorithm
Processing, such as the stain on former image information is eliminated, shake is optimized.
Image slice module is used to cut into slices check according to element category, for example, by the payer information part in check
It is cut out coming, etc. by the amount of money Partial Shear in check out.
Job scheduling module is used to for the image information after section to be assigned to different work production modules, work production mould
Block is used for the image information to distribution（Operation）It is identified and typing, operation recycling module is used to not exist to work production module
The image information completed in stipulated time is reclaimed, by the sub-distribution again of job scheduling module.
The fragment preserving module of operation preserving module is used for side of the image information of work production module typing to cut into slices
Formula is preserved, and combination preserving module is used to after the image information of work production module typing is combined preserve（For example, will
Account section is multistage by different work production module typings, then needs each segment information of typing being combined storage to obtain
Obtain complete account）.Supplementary module is used to provide check and correction service, such as the image information of one secondary preservation of typing again, will again
The image information of typing is compared with image information to be saved, is preserved if matching, the image of the section if mismatching
Information needs identified and typing.Operation output module is used for requested information in output operation preserving module.Quick Response Code is compiled
Code decoder module is used to encode corresponding information to generate Quick Response Code, and the 2 D code information in image is decoded.
Referring to Fig. 3 and Fig. 4, in the present embodiment, requestee needs to complete to register in bank, the cabinet of ticket-buyer to bank of deposit
Platform buys check, and Receptionist operates computer and generates the one or two according to payer information, paying bank's information and check draft bank
Code is tieed up, and the printing device by being connected with computer prints on the first Quick Response Code the ad-hoc location of check, so as to complete out
Ticket.Equally, while the first Quick Response Code is printed, payer information and paying bank's information can also be printed on check
Relevant position.
In cashing terminal 110 and having the embodiment for drawing a bill unit 117, ticket-buyer is inputted by information exchange unit 111
Ticket purchasing request, information exchange unit 111 prompt user to input payer information, and after the payer information received is sent to
Payer information is sent directly to paying bank's system 310 and carries out payer information by platform server 120, background server 120
Checking, or payer information is initiated to paying bank's system 310 in a manner of business financial settlement system 200 and verified.
Background server 120 receives the result that financial settlement system 200 or paying bank's system return, and is given birth to if by checking
Into the first Quick Response Code, and the first Quick Response Code is sent to and cashes terminal 110, then will by cashing the unit 117 of drawing a bill of terminal 110
First Quick Response Code is printed upon the specific region of check, and completes to draw a bill.Disposed it should be noted that terminal 110 will can be cashed
In paying bank site, only when ticket-buyer the bank complete registration in the case of, terminal 110 could be cashed by this and is realized
Self-determination in purchasing check, in this case, for the ticket-buyer by checking, the result includes the first Quick Response Code institute of generation
The some or all of information needed.In other embodiments, payer information and paying bank can also be inputted in prompting user
Information, so requestee's checking directly can be carried out to corresponding banking system by background server 120, or pass through backstage
Server 120 and financial settlement system 200 carry out requestee's checking to corresponding banking system.
In the present embodiment, when needing to draw a cheque, requestee by Receiving information insert check relevant position and
Stamped signature is covered, Receiving information includes receiver information, receiving bank's information and cheque sum（The date of issuance can also be included
（Or date of draft））, receiver information includes payee's name（For example, the title of collecting company）, receiving bank's packet
Include receiving bank's title and/or receiving bank's line number and payee account.
When the information that information exchange unit 111 receives is that check cashes request, received by bill acceptance unit 112
The check that holder of bill provides（Batch processing can be carried out）, the fundamental that dummy unit 116 obtains check is tested, fundamental includes weight
Amount, shading etc., the basic number for each banker's check sample ticket that the fundamental of the check of acquisition and memory cell 115 are prestored
Matching treatment is carried out according to the data in storehouse, the check for representing to receive if the match is successful is true, is represented if matching is unsuccessful
It is put into and cashes the check of terminal 110 and be false or be not check.
When check authenticity verification by after, pass through the prompting input receiving bank information of information exchange unit 111（It can also carry
Show input holder of bill's cell-phone number, for after check cashes end, result to be notified into holder of bill in a manner of short message）, by logical
Receiving bank's information is sent to the front end units 121 of background server 120 by letter unit 114.Front end units 121 are used to believe this
Breath exports core processing unit 122 after being converted to the data that core processing unit 122 can be handled, and core processing unit 122 is logical
Cross its communication module and initiate receiving bank's information verification request, receiving bank's information verification request bag to financial settlement system 200
Receiving bank's information that holder of bill is inputted by information exchange unit 111 is included, and corresponding receipts are forwarded by financial settlement system 200
Money banking system 320, receiving bank's system 320 judge whether collecting account is normal according to receiving bank's information（Such as the account
It whether there is, if frozen etc.）, and will determine that receipt is sent to core processing unit 122 through financial settlement system 200, sentence
The result has been recorded in disconnected receipt.
Information exchange unit 111 receive holder of bill input receiving bank's information after, by communication unit 114 to
While financial settlement system 200 initiates receiving bank's information verification request, also check can be obtained by image collection unit 113
Image information, and image information is sent to by core processing unit 122, core through front end units 121 by communication unit 114
Processing unit 122 calls concentrative operation unit 123, and image information is pre-processed, then by image slice module by shadow
As information is cut into slices, typing section, the first Quick Response Code and the second Quick Response Code, examination ＆ verification are identified（Checking）Requestee's stamped signature etc..Examine
Core requestee stamped signature mainly judges whether requestee's stamped signature is correct, and concentrative operation unit 123 can also include stamped signature examination ＆ verification mould
Block is used to audit stamped signature, and the examination ＆ verification of stamped signature in addition can also be completed by artificial.Then first will identify that respectively
Quick Response Code and the second Quick Response Code are decoded, to obtain payment information and Receiving information.What if core processing unit 122 received
Judge that display is verified in receipt, and requestee's stamped signature is verified, and core processing unit 122 is then to financial settlement system
200 send payment request, and paying request includes image information, payment information and the Receiving information of check.If judge in receipt
One of the result of display and the result to requestee's stamped signature is by the way that core processing unit 122 sends control of returning ticket
System instruction makes the bill acceptance unit 112 for cashing terminal 110 return ticket, can also pass through information exchange unit to terminal 110 is cashed
111 prompting returned ticket information.
The image information of check, payment information, Receiving information are sent to paying bank's system by financial settlement system 200
310, paying bank's system 310 carries out print test to the image information of check, according to payment information and gathering if print test success
Information is completed to take this opportunity business, so as to complete to deduct the corresponding amount of money from the bank account of requestee, and to financial settlement system
System 200 returns to the first processing receipt.If the first processing receipt is normal, financial settlement system 200 again will processing receipt, payment information
And Receiving information is sent to receiving bank's system 320, the corresponding amount of money is included in the account of payee by receiving bank's system 320
Family, credit business is completed, and second processing receipt is returned to financial settlement system 200, financial settlement system 200 is again by second
Reason receipt is sent to core processing unit 122, and the result notice of second processing receipt is cashed terminal by core processing unit 122
110, prompt user to cash successfully or fail by the information exchange unit 111 for cashing terminal 110.In addition, core processing unit
The result of second processing receipt can also be notified holder of bill by 122 by way of short message.
In other embodiments, Receiving information also includes payment cipher, when needing to draw a cheque, is obtained by payment cipher
Take terminal that payee's name, cheque sum and receiving bank's information are sent into paying bank's system 310, paying bank's system
310 generation payment ciphers simultaneously return to payment cipher acquisition terminal, by payment cipher, payee's name and receiving bank's information one
It is same to insert the relevant position of check, and cover payee's stamped signature.Paying bank's system 310 can also when take this opportunity business
Payment cipher is verified.Now, the image information print test of check by and payment cipher be verified, this could be completed
Take this opportunity business.
It is real with circle deposit system 400 first in the second embodiment of the circle deposit system 400 of the check of the present invention referring to Fig. 3
The difference for applying example is that cashing terminal 110 also includes unit 117 of drawing a bill, and unit 117 of drawing a bill is used in information exchange unit 111
When the information of reception is ticket purchasing request, the first Quick Response Code is printed on to the specific region of check, to complete to draw a bill.
Specifically, when the information that information exchange unit 111 receives is ticket purchasing request, user is prompted to input requestee's letter
Breath, payer information include requestee's title（Such as Business Name）, the payment that is then inputted user by communication unit 114
People's information is sent to front end units 121, and core processing unit 122, core processing unit are exported after the conversion of front end units 121
Payer information is sent directly to paying bank's system 310 by 122 carries out payer information checking, or passes through financial settlement system
System 200 initiates payer information checking in a manner of business to paying bank's system 310.Core processing unit 122 receives finance
The result that settlement system 200 or paying bank's system return, if being verified, according to payer information and payment
Bank information generates the first Quick Response Code, and the first Quick Response Code is sent to and cashes terminal 110, and payer information includes payment name
Claim, paying bank's information includes payment bank name and/or paying bank's line number and payment account number.Unit 117 draw a bill by
One Quick Response Code prints on the specific region of check, such as the white space in the upper left corner of check, completes to draw a bill.
In the 3rd embodiment of the circle deposit system 400 of the check of the present invention, with the first embodiment of circle deposit system 400
Difference is, after booking, Receiving information can be sent to the front end units of background server 120 by requestee by computer
121, then Receiving information is encoded to the second Quick Response Code by core processing unit 123, and pass through the communication of core processing unit 123
Second Quick Response Code is sent to the computer of requestee's operation by module, and the computer is by the printing device that is attached thereto by second
Quick Response Code prints to the specific region for the check for needing to sign and issue, such as the white space in the check lower right corner.Now, beaten on the check
The first Quick Response Code and the second Quick Response Code are printed on, is loaded with payment information and Receiving information respectively.Furthermore it is also possible to the name that will collect money
Claim, gathering row information is together printed on check with the second Quick Response Code.When it is implemented, background server 120 can issue one
Individual website, requestee can log in the website by browser, and the respective page in the website inserts Receiving information, and obtains life
Into the second Quick Response Code, then Quick Response Code is printed on check.
When cashing of check is being carried out, image information is focused on by concentrative operation unit 123, focused on
Work includes image information is cut into slices, will be cut into slices typing, the first Quick Response Code of identification and the second Quick Response Code, examination ＆ verification（Checking）Pay
Money people's stamped signature etc..Examination ＆ verification requestee stamped signature mainly judges whether requestee's stamped signature is correct.Then first will identify that respectively
Quick Response Code and the second Quick Response Code are decoded, to obtain payment information and Receiving information.If judging, display is verified in receipt,
And requestee's stamped signature is verified, core processing unit 123 then sends to financial settlement system 200 and pays request, and paying please
Ask the image information including check, payment information and Receiving information.If judging the result that is shown in receipt and to payment
One of the result of people's stamped signature is not by then carrying out returned ticket processing by bill acceptance unit 112.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the invention, for the skill of this area
For art personnel, the present invention can have various modifications and variations.Within the spirit and principles of the invention, that is made any repaiies
Change, equivalent substitution, improvement etc., should be included within scope of the presently claimed invention.
Claims (3)
1. a kind of check cashes method, it is characterised in that comprises the following steps：
S1, ticket purchasing request is received, the first Quick Response Code is generated according to payment information, and first Quick Response Code is printed on into check
Specific region, the payment information include payer information and paying bank's information；
S2, Receiving information is inserted to the check, the Receiving information includes receiver information, receiving bank's information and check
The amount of money；
S3, when receiving check and cashing request, cash terminal (110) scan the check with identify first Quick Response Code and
The Receiving information, and first Quick Response Code is decoded to obtain the payment information by background server (120)；
S4, background server (120) are sent to financial settlement system (200) pays request, to pass through financial settlement system (200)
Debit transaction is completed with paying bank's system (310), and credit business is completed with receiving bank's system (320), so as to complete
The check is cashed, described pay asks to include the payment information and the Receiving information；
Wherein, step S2 also includes following sub-step：
S21 ', Receiving information also include payment cipher, and when needing to draw a cheque, terminal is obtained by payee by payment cipher
Title, cheque sum and receiving bank's information are sent to paying bank's system (310), paying bank's system (310) generation branch
Pay password and payment cipher is returned into payment cipher and obtain terminal；
Payment cipher, receiver information, receiving bank's information and cheque sum are sent to by S21, requestee by computer
Background server (120), Receiving information is encoded to the second Quick Response Code by background server (120), and the second Quick Response Code is returned
Return the computer；
S22, the computer print to the second Quick Response Code by the printing device of connection the given zone for the check for needing to sign and issue
Domain；
Wherein, step S3 also includes following sub-step：
S31, terminal (110) the scanning check is cashed to identify first Quick Response Code and second Quick Response Code；
S32, background server (120) decode first Quick Response Code to obtain the payment information；
S33, background server (120) decode second Quick Response Code to obtain the Receiving information；
S34, when receiving check and cashing request, background server (120) verifies the true and false of the check, if being verified
Sub-step S35 is performed, does not stop cashing the check if if checking；
S35, background server (120) are by cashing terminal (110) prompting input receiving bank information；
S36, background server (120) send receiving bank's information verification request to receiving bank's system (320), and receive gathering
The result that banking system (320) returns, the receiver information checking request include the receiver information of input；
To identify first Quick Response Code and the Receiving information, background server (120) decodes institute for S37, the scanning check
The first Quick Response Code is stated to obtain the payment information, and verifies the Receiving information；
If S38, the Receiving information authentication failed of input, background server (120) stops cashing the check, if the receipts of input
Money Information Authentication sends to pay from background server (120) to financial settlement system (200) and asked by then performing step S4
Ask, paying request includes image information, payment information and the Receiving information of check；
Wherein, in step S34, cash terminal (110) and receive the check that holder of bill provides, obtain substantially for the check
Element, and by background server (120) by the fundamental of the check and the basic number of each banker's check sample ticket prestored
Matching treatment is carried out according to the data in storehouse, the check for representing to receive if the match is successful is true, is represented if matching is unsuccessful
It is put into and cashes the check of terminal (110) and be false or be not check；
Wherein, in step S36, cash terminal (110) and receiving bank's information is sent to background server (120), backstage takes
Business device (120) initiates receiving bank's information verification request to financial settlement system (200), and receiving bank's information verification request includes
Receiving bank's information that holder of bill is inputted by cashing terminal (110), and corresponding receipts are forwarded to by financial settlement system (200)
Money banking system (320), receiving bank's system (320) judges whether collecting account is normal according to receiving bank's information, and will sentence
Disconnected receipt is sent to background server (120) by financial settlement system (200), judges the result described in receipt；
After cashing receiving bank's information that terminal (110) have received holder of bill's input, initiating to collect money to financial settlement system (200)
While bank information checking request, the image information of check can be also obtained, and image information is sent to background server, by
Background server (120) focuses on to image information, and focusing on work includes image information is cut into slices, will be cut
Piece typing, the first Quick Response Code of identification and Receiving information, examination ＆ verification requestee's stamped signature and Receiving information；
Wherein, in step s 4, background server (120) by financial settlement system (200) by the image information of check, payment
Information, Receiving information are sent to paying bank's system (310), and paying bank's system (310) is tested the image information of check
Print, debit transaction is completed according to payment information and Receiving information if print test success, so as to complete the corresponding amount of money from paying
Deducted in the bank account of money people, and the first processing receipt is returned to financial settlement system (200), if the first processing receipt is just
Often, processing receipt, payment information and Receiving information are sent to receiving bank's system (320) by financial settlement system (200) again,
The corresponding amount of money is included in the account of payee by receiving bank's system (320), completes credit business, and to financial settlement system
(200) second processing receipt is returned, second processing receipt is sent to background processor (120) by financial settlement system (200) again,
The result notice of second processing receipt is cashed terminal (110) by background processor (120), is used by cashing terminal (110) prompting
Cash successfully or fail in family.
2. a kind of check cashes system (100), it is characterised in that including：
Terminal (110) is cashed, for receiving check to be cashed, and the image information of the check is obtained, remembers on the check
Receiving information is carried, the Receiving information includes payee's name, receiving bank's information and cheque sum, the spy of the check
Determine to be printed with the first Quick Response Code on region, first Quick Response Code loads payment information, and the payment information includes payment name
Title and paying bank's information；
Background server (120), with it is described cash terminal (110) communication connection, for handle the image information of the check with
First Quick Response Code and the Receiving information are identified, first Quick Response Code is decoded to obtain the payment information, after described
Platform server (120) be additionally operable to financial settlement system (200) send pay request, with by financial settlement system (200) with
Paying bank's system (310) completes debit transaction, completes credit business with receiving bank's system (320), so as to complete to cash institute
Check is stated, described pay asks to include the payment information and the Receiving information；
The terminal (110) of cashing includes：
Information exchange unit (111), for receiving the information of user's input；
Bill acceptance unit (112), the information for being received in described information interactive unit (111) cash instruction for check
When, receive the check；
Image collection unit (113), the image information of the check received for gathering the bill acceptance unit (112)；
Communication unit (114), the image information of the check for the image collection unit (113) to be collected are sent to described
Background server (120)；
The terminal (110) of cashing also includes：
Memory cell (115), for storing the fundamental of branch tickets sample ticket；
Dummy unit (116) is tested, for the fundamental of the branch tickets sample ticket stored based on the memory cell (115), described in checking
The true and false for the check that bill acceptance unit (112) receives；
The terminal (110) of cashing also includes：
Draw a bill unit (117), when the information for being received in described information interactive unit (111) is ticket purchasing request, by described
One Quick Response Code prints on the specific region of the check, and completes to draw a bill；
The background server (120) include with it is described cash terminal (110) communication connection front end units (121), respectively with
The front end units (121) and financial settlement system (200) communication connection core processing unit (122) and with it is described
The concentrative operation unit (123) of core processing unit (122) connection；End is cashed described in being received when the front end units (121)
When holding the image information of the check of (110) transmission, the core processing unit (122) calls the concentrative operation unit (123),
The image information of check is handled by the concentrative operation unit (123) to identify first Quick Response Code and the receipts
Money information, and first Quick Response Code is decoded to obtain the payment information；The core processing unit (122) is additionally operable to gold
Melt settlement system (200) and send payment request, to complete to borrow by financial settlement system (200) and paying bank's system (310)
Note business and receiving bank's system (320) complete credit business, and so as to complete to cash the check, the payment request includes
The payment information and the Receiving information.
3. a kind of circle deposit system of check, including financial settlement system (200), and it is logical with the financial settlement system (200)
Believe the paying bank's system (310) and receiving bank's system (320) of connection, it is characterised in that the circle deposit system of the check is also
System (100) is cashed including check described in claim 2.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410132136.8A CN104143140B (en) | 2014-04-02 | 2014-04-02 | A kind of check cashes method, cashes system and circle deposit system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410132136.8A CN104143140B (en) | 2014-04-02 | 2014-04-02 | A kind of check cashes method, cashes system and circle deposit system |
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| CN104143140A CN104143140A (en) | 2014-11-12 |
| CN104143140B true CN104143140B (en) | 2018-03-13 |
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| CN201410132136.8A Active CN104143140B (en) | 2014-04-02 | 2014-04-02 | A kind of check cashes method, cashes system and circle deposit system |
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Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106204260A (en) * | 2016-06-24 | 2016-12-07 | 国网北京市电力公司 | Print bank and send the method for money authority, Apparatus and system |
| CN106779709A (en) * | 2016-12-27 | 2017-05-31 | 中国建设银行股份有限公司 | A kind of check processing method, client and processor |
| CN110321793A (en) * | 2019-05-23 | 2019-10-11 | 平安科技（深圳）有限公司 | Check enchashment method, apparatus, equipment and computer readable storage medium |
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| CN101231727A (en) * | 2008-02-20 | 2008-07-30 | 深圳矽感科技有限公司 | Electric cheque paying method and implementing system thereof |
| CN101833733A (en) * | 2010-02-22 | 2010-09-15 | 中国农业银行股份有限公司深圳市分行 | Electronic transfer check system and payment settlement method thereof |
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| CN101231727A (en) * | 2008-02-20 | 2008-07-30 | 深圳矽感科技有限公司 | Electric cheque paying method and implementing system thereof |
| CN101833733A (en) * | 2010-02-22 | 2010-09-15 | 中国农业银行股份有限公司深圳市分行 | Electronic transfer check system and payment settlement method thereof |
| CN102567764A (en) * | 2012-01-13 | 2012-07-11 | 中国工商银行股份有限公司 | Bill certificate and system for improving electronic image recognition efficiency |
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