CN104881811A - Management method, system and device for electronizing note information - Google Patents
Management method, system and device for electronizing note information Download PDFInfo
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- CN104881811A CN104881811A CN201510076273.9A CN201510076273A CN104881811A CN 104881811 A CN104881811 A CN 104881811A CN 201510076273 A CN201510076273 A CN 201510076273A CN 104881811 A CN104881811 A CN 104881811A
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Abstract
The invention discloses a note information electronized management method, a note information electronized management system and note information electronized management devices. The management method comprises the steps that: feature information of an issued note is acquired through a first device when a note is issued; the feature information is subjected to encryption processing to generate an encrypted file, and commands which are respectively preserved in an issued note database and a mobile medium circulating along with the issued note are output; two trading parties can detect the authenticity of a trading note in trade circulation, and the two trading parties can add information of endorsement records corresponding to additional endorsements of the trading note into the mobile medium circulating along with the trading note if the trading note is authenticated. Through the method, the note information electronized management method, the note information electronized management system and the note information electronized management devices can utilize the encrypted file in the mobile medium and/or the issued note database for carrying out off-line or/and on-line detection of authenticity of the trading note and actual note trading endorsement records, prevents fraud risk in note trading because the authenticity of the trading note cannot be verified timely and rapidly, and reduces economic losses.
Description
Technical field
The present invention relates to billing information field, particularly relate to the management method of billing information electronization, system and device.
Background technology
Along with socioeconomic development, currency or coin as practical application can not meet the transaction of wholesale or debition, and bill represents the securities of some currency right of asking for because of it and reacts the written confirmation of debtor-creditor relationship and produced and fast development.Meanwhile bill imitated, forge and the technology such as clone also in continuous progress, therefore the management of billing information is seemed particularly important.
Current bill business both sides are handling in bill operation process, the important means of the checking billing information true and false is that the true and false of manually carrying out the security element on bill by optical identification instrument detects and checks, or/and utilize the bill operation system of bank to carry out business information inquiry.When using optical identification instrument to check, specifically detect the image etc. under the material of the security element on blank bill, illumination, each security element is using respective independent characteristic as examination criteria, and this makes to copy, forge and become easier; And when utilizing the bill operation system of bank to carry out information inquiry, specifically do not provide bill in kind to bank when inquiring about, therefore bank takes the form of free-format message to look into again, not only there is stylistic randomness in free-format message, and it is incomplete to detect the content element looking into multiple bill, whether the nominal value element information such as draft bank, check drawer, payee, date, the amount of money only looking into multiple bill signed by this bank, and with the description to this bill " true and false is from debating ".To sum up, prior art causes puzzlement to the decides bill information true and false, and papers checking means is delayed, has become fraudulence on commercial instruments and case weak foundation link occurred frequently, is also one of obstruction of developing in a healthy way of bill operation.
And bill discounting, pledge, separate and to pay etc. in bill operation circulation process, bearer effectively cannot be confirmed the true and false to the authenticity information of bill and endorsement record, and then cannot effectively fraud prevention risk, for enterprise and financial institution bring certain economic loss.
Summary of the invention
The technical matters that the present invention mainly solves is to provide a kind of management method of billing information electronization, system and device, can Fraud Protection risk, reduces economic loss.
For solving the problems of the technologies described above, the technical scheme that the present invention adopts is: the management method providing a kind of billing information electronization, and the method comprises:
During issue of bill, first device obtains the characteristic information of the issuance of a note;
Be encrypt file by this characteristic information encryption, and export the instruction in the move media being kept at issuance of a note database respectively and circulate with this issuance of a note;
During transaction circulation, detect the true and false of trading instruments, if this trading instruments is true, exports and to add in this trading instruments circulation move media adding the information of the endorsement record of endorsement by trading instruments.
Wherein, during transaction circulation, detect the true and false of this trading instruments, if this trading instruments is true, exports and to add in this trading instruments circulation move media should the trading instruments information of adding the endorsement record of endorsement specifically comprise:
When concluding the business circulation, the second device deciphering reading and saving is at issuance of a note database or/and with the encrypt file in this trading instruments circulation move media and compare with the characteristic information that this second device obtains this trading instruments, judges whether consistent;
If be judged as YES, exporting this trading instruments is genuine result, and exports reminding user and add adding the information of the endorsement record of endorsement by trading instruments in the move media circulated with this trading instruments;
If be judged as NO, export the result that this trading instruments is invalid bill.
Wherein, the method comprises further:
When honouring cash payment, the 3rd device deciphering reading and saving is at issuance of a note database or/and with the encrypt file in acceptance bill circulation move media and compare with the characteristic information that the 3rd device obtains this acceptance bill, judges whether consistent; And
3rd device reads this with all endorsements record in the move media of acceptance bill circulation and adds endorsement with this acceptance bill and compare, and judges whether unanimously;
If judge all consistent, export the result that this acceptance bill is effective bill.
Wherein, be encrypt file by this characteristic information encryption, and export the instruction in being kept at issuance of a note database respectively and carrying out the move media that circulates with this issuance of a note specifically:
By this feature information extraction security element information and use mark information, be encrypted especially by arranging authorized user reading password, digital watermarking, special preservation form or above-mentioned at least two kinds of modes combined, be encrypt file by this characteristic information encryption, and export the instruction in respectively this encrypt file being kept at issuance of a note database and carrying out the move media that circulates with this issuance of a note.
Wherein, this first device, the second device or the 3rd device obtain this issuance of a note respectively, the characteristic information of trading instruments or acceptance bill specifically obtains security element Information Images under the identical or different irradiating angle of Different Light of this issuance of a note, trading instruments or acceptance bill respectively and use mark information image.
For solving the problems of the technologies described above, another technical solution used in the present invention is: the system providing a kind of billing information electronization, and this system comprises:
First device, for obtaining the characteristic information of bill;
Encryption device, for being encrypt file by this characteristic information encryption, and exports the instruction in the move media being kept at issuance of a note database respectively and circulate with this bill;
Move media, for preserve this encrypt file and add to should additional part of bills endorsement endorsement record;
When wherein this endorsement record is transaction circulation, if trading instruments is true, then add the endorsement record that corresponding trading instruments adds endorsement.
Wherein, this system comprise further the second device or and the 3rd device;
This second device, for when concluding the business circulation, deciphering reading and saving is at issuance of a note database or/and with the encrypt file in trading instruments circulation move media and compare with the characteristic information that this second device obtains this trading instruments, judges whether consistent;
If the determination result is YES, exporting this trading instruments is genuine result, and exports reminding user and add adding the information of the endorsement record of endorsement by trading instruments in the move media circulated with this trading instruments;
If judged result is no, export the result that this trading instruments is invalid bill;
3rd device, for when honouring cash payment, deciphering is read and is pre-stored in this issuance of a note database or/and compare with the characteristic information that the 3rd device obtains this acceptance bill with the encrypt file in acceptance bill circulation move media, judges whether consistent; And
Add endorsement with this acceptance bill compare for all endorsements records of reading in the move media that circulates with this acceptance bill, and judge whether consistent;
Export the result that this bill is effective bill if judged result is.
For solving the problems of the technologies described above, another technical scheme that the present invention adopts is: what provide a kind of billing information electronization signs and issues acquisition device, and this device comprises:
First acquisition module, for obtaining the characteristic information of bill;
Encrypting module, for being encrypt file by this characteristic information encryption, and exports the instruction in the move media being kept at issuance of a note database respectively and circulate with this bill.
For solving the problems of the technologies described above, another technical scheme that the present invention adopts is: the circulation pick-up unit providing a kind of billing information electronization, and this device comprises:
Second acquisition module, for obtaining the characteristic information of bill;
First detection module, for reading and saving at issuance of a note database or/and with the encrypt file in this bill circulation move media and with obtain the characteristic information of this bill and compare, judge whether consistent;
First output module, for if the determination result is YES, exporting this bill is genuine result, and exports reminding user and add adding the information of the endorsement record of endorsement by bill in this move media; If judged result is no, export the result that this bill is invalid bill;
Wherein this move media is for preserving the encrypt file of bill characteristic information or the endorsement record with corresponding bill business circulation.
For solving the problems of the technologies described above, another technical scheme again that the present invention adopts is: the demo plant providing a kind of billing information electronization, and this device comprises:
3rd acquisition module, for obtaining the characteristic information of bill,
Second detection module, for reading and saving at issuance of a note database or/and with the encrypt file in this bill circulation move media and with obtain the characteristic information of this bill and compare, judge whether consistent; And
Record for all endorsements of reading in this move media and add endorsement with this bill and compare, and judge whether consistent;
Second output module, if all consistent for judged result, exports the result that this bill is effective bill;
Wherein this move media is for preserving the endorsement record containing the encrypt file of bill characteristic information and the circulation of this bill business.
The invention has the beneficial effects as follows: the situation being different from prior art, the present invention is first by obtaining the characteristic information of the issuance of a note, secondly by this characteristic information encryption be encrypt file and be kept at issuance of a note database respectively and in the move media that circulates with this issuance of a note, again during transaction circulation, whether the characteristic information first detecting trading instruments is consistent with the characteristic information prestored, when judging consistent, add adding the endorsement record of endorsement by trading instruments in the move media circulated with trading instruments, last when honouring, whether the characteristic information not only verifying acceptance bill is consistent with the characteristic information prestored, also judge with endorsement record and this acceptance bill in the move media of acceptance bill circulation add endorse whether consistent, when judging all consistent, export the result that this acceptance bill is effective bill, the i.e. management method of billing information electronization provided by the invention, system and device, can record bill pays in whole process process from signing and issuing to separate, the information record that bill is detailed in the process of circulation, bearer is enable to distinguish the true and false of bill and the endorsement record of inquiry bill in time when handling bill operation, confirm the authenticity of bill and the validity of bill rights and interests, realize prevention do not verify papers in time and carry out concluding the business the risk of fraud brought, reduce economic loss.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of method first embodiment provided by the invention;
Fig. 2 is the schematic flow sheet of method second embodiment provided by the invention;
Fig. 3 is the schematic flow sheet of method provided by the invention 3rd embodiment;
Fig. 4 (a) is the schematic flow sheet of a specific embodiment when issue of bill in Fig. 3;
Fig. 4 (b) is the schematic flow sheet of a specific embodiment when bill circulates in Fig. 3;
Fig. 4 (c) is the schematic flow sheet of a specific embodiment when the acceptance of checks in Fig. 3;
Fig. 5 is the structural representation of system provided by the invention;
Fig. 6 is the structural representation of an issue of bill device provided by the invention;
Fig. 7 is the structural representation of a bill circulation pick-up unit provided by the invention;
Fig. 8 is the structural representation of an acceptance of checks demo plant provided by the invention.
Embodiment
Refer to Fig. 1, Fig. 1 is the schematic flow sheet of method first embodiment of billing information electronization provided by the invention, and the method comprises:
Step 101: during issue of bill, first device obtains the characteristic information of the issuance of a note;
The use vestige produced when wherein bill comprises the security element on blank bill containing the characteristic information of the issuance of a note and signs and issues, concrete security element comprise in draft bank, watermark, safety line, shading, pattern, form, word, numeral, printing-ink, covert security feature (as electricity, magnetic information) and fluorescent fiber silk one or more; Use vestige to comprise seal, handwritten traces or print in vestige one or more.
Pattern wherein on bill is as security element such as the title of honor, bar code or Quick Response Codes.Wherein use vestige, if user is by the mark such as word, numeral, stamped signature that is hand-written or that print, or the mark such as seal, fingerprint that other objects produce.
Wherein, acquisition be adopt take pictures, scan, image that the mode such as to copy obtains the characteristic information of bill;
Wherein, the characteristic information of bill can be divided into dominant and recessive security element and use vestige, and recessive characteristic information needs by the method inspection identification such as optical, electrical, magnetic, radiation, chemistry.The bill of present embodiment is by multiple anti-fake element or use vestige compound to improve anti-forgery security, increases imitation difficulty.In addition characteristic information bill had just can will be shown by the irradiation of special light sources, the needs at least two kinds of special light sources mixed exposures also had just can show MULTIPLE COMPOSITE antifalse effect, and these security element before acquisition, need to adopt corresponding special light sources to irradiate and light source will note the angle of irradiating when irradiating.
Step 102: be encrypt file by this characteristic information encryption, and export the instruction in the move media being kept at issuance of a note database respectively and circulate with this issuance of a note;
Wherein this characteristic information to be read through encryption the mode that the PKI of this encrypt file and private key or AD HOC could read this encrypt file as arranged to be encrypted, this encrypt file can read after deciphering, but can not modify to it; In other embodiments, can select and be not limited to above-mentioned other encryption modes mentioned.
Wherein issuance of a note database is the database of bank's issuance of a note, its comprise the printing of this bill, publisher or and the characteristic information of bill of the side of signing and issuing of other all issuance of a notes;
Move media is mobile memory medium, it together circulates with bill, specifically can be set to the part embedding this bill, as RFID chip, or the mobile memory medium such as USB flash disk, portable hard drive, mobile phone, panel computer, computer, CD, floppy disk, various sorts of memory cards be separated with this bill.
Encrypt file wherein in this move media be by during the issuance of a note stored in, this encrypt file can only be deciphered reading and can not modify.
Step 103: during transaction circulation, detect the true and false of trading instruments, if trading instruments is true, exports and to add in trading instruments circulation move media adding the information of the endorsement record of endorsement by trading instruments;
Wherein bill circulation refers to that bill is transferred the possession of in process of exchange, the behavior of endorsee (assignee) is transferred by endorser (bearer), after endorsement, the gathering right of bill just shifts and gives assignee, and bill can be passed through endorsement and constantly transfers the possession of; Need to adhere to the endorsement about this transaction circulation in the back of bill in transference;
Endorsement generally comprises endorser's title/stamped signature, endorsee's title/stamped signature, the amount of money, date, purposes, rights of using (as must not transfer the possession of) or/and information such as corresponding corporate seals.
The true and false wherein detecting bill comprise both parties or arbitrary counterparty detect at least one security element information and at least one use the true and false of mark information, at least one security element information and at least two use the first relation between mark information, at least one uses the third phase between the second relation between mark information and at least two security element information, at least two security element to relation or/and at least two true and falses using the 4th relativeness between vestige.Detect the true and false specifically by the characteristic information of existing taken ticket certificate and the security element on blank bill when dispatching from the factory and the contrast of signing and issuing the use vestige that process produces, judge whether consistent, if consistent, be genuine piece, otherwise be adulterant.
Further, specifically detect security element and use the material of vestige, shape, size, angle, sharpness, line thickness, color, brightness, optical characteristics, magnetoelectricity feature, reading information, the position in bill, above-mentioned project to be formed under different preset light sources is sequentially irradiated dynamic image in one or more combination.The shape had as fluorescent fiber security element and color, the width that safety line has and micro text, the light source reflection of different draft bank under identical or different illumination, each security element is to should the relative position etc. of bill.For another example recessive security element presents different images under different light, when sequentially irradiating this concealed anti-false element with the light source of particular combination, just there will be dynamic effect; Under irradiating three kinds of Different Light, present three kinds of different images; Control irradiation sequence and the time interval of these three kinds of light sources, three kinds of images of change can be presented according to predefined procedure, and then the feature utilizing human eye vision to stop, in human eye, present predetermined dynamic image.Above-mentioned first relativeness, the second relativeness, third phase are specifically optional to relation and the 4th relativeness is one or more combination in relative distance, relative angle, relative size, relative color, relative brightness, relative articulation, relative accuracy, relative material.
Illustrate for the material detecting fluorescent material security element, can not resolved fluorometric material be that true fiber or e-Pointer are drawn in prior art, present embodiment adopts different exciting light to irradiate fluorescent material to the concavo-convex feature of fluorescent emission properties and texture detecting fluorescent material, and whether with resolved fluorometric material is fibrous material.In addition, the security element that bill has just can will be shown by the irradiation of special light sources, the needs at least two kinds of special light sources mixed exposures also had just can show MULTIPLE COMPOSITE antifalse effect, therefore the true and false detecting bill also comprises the image of detection bill under Different Light is irradiated, detect as optional the image irradiating bill under visible ray, infrared light or ultraviolet light successively respectively, or detect the image that at least two kinds of light source compounds irradiate bill.
Vestige is used to illustrate for seal, the anglec of rotation of this seal is also detected except detecting this seal material, color and position, specifically determine the central point of this seal, determine the angle between the line of a certain unique point of this seal and this central point and horizontal line or perpendicular line, and judge that whether this anglec of rotation is identical with the anglec of rotation prestored further.
Wherein optional, this first device or other equipment as endorsement information when this bill of computer/acquisition for mobile terminal circulate, using this endorsement information not encrypting storing in this move media as record of endorsing.Further alternative, this endorsement information also through encryption be encryption endorsement record and be added in the encrypt file of move media.This endorsement records and optionally uploads to banking data base, records this endorse to record for bank's real-time awareness; Or do not upload to banking data base, preserve this endorsement for off-line and be recorded in move media.
Further alternative, during each transaction circulation, all detect the true and false of trading instruments, if trading instruments is true, all exports at every turn and to add in the move media circulated with trading instruments adding the information of the endorsement record of endorsement by trading instruments.
Further alternative, when detecting the true and false of bill, also all export the information of the examination record adding this detection true and false corresponding in the move media circulated with trading instruments at every turn.This examination record is specifically optional comprises detecting instrument, method, bearer, detection operator, date or/and information such as testing results.
Be different from prior art, present embodiment is first by obtaining the characteristic information of the issuance of a note, secondly by be kept at issuance of a note database after this characteristic information encryption respectively and circulate with this issuance of a note move media in, again when concluding the business circulation, first detect the true and false of trading instruments, be defined as very, the endorsement record of corresponding additional endorsement is added in the move media circulated with this trading instruments, the i.e. management method of billing information electronization that provides of present embodiment, bill can be recorded pay information record detailed in the process of circulation from signing and issuing to separate in move media, bearer is enable to use the true and false of the encrypt file offline search bill in move media in time when handling bill operation, and then confirming that trading instruments is true time, to should add endorsement and add corresponding endorsement record in this move media by trading instruments, realize verifying papers easily, prevention can not be verified papers in time and carry out the risk of fraud of concluding the business, reduce economic loss.
Consult Fig. 2, the schematic flow sheet of method second embodiment of billing information electronization provided by the invention, the method comprises:
Step 201: first device obtains the characteristic information of bill;
Step 202: be encrypt file by this characteristic information encryption, and export the instruction in the move media being kept at issuance of a note database respectively and circulate with this bill;
Wherein step 201 is similar with step 102 to the step 101 of above-mentioned first embodiment with step 202, repeats no more herein.
Step 203: when concluding the business circulation, the second device deciphering reading and saving is at issuance of a note database or/and with the encrypt file in trading instruments circulation move media and compare with the characteristic information that this second device obtains this trading instruments, judges whether consistent;
If be judged as YES, enter step 204: exporting this trading instruments is genuine result, and export reminding user and add adding the information of the endorsement record of endorsement by trading instruments in the move media circulated with this trading instruments;
If be judged as NO, enter step 205: export the result that this trading instruments is invalid bill.
Wherein this second device characteristic information of obtaining this trading instruments optional comprise at least two security element in this trading instruments and at least two use the third phase between the information of vestiges, at least two security element to relation, at least two use the 4th relativeness between vestiges or/and at least two to use in vestiges the 5th relativeness in any one and at least two security element between any one; This second device deciphering reading and saving at issuance of a note database or/and with the encrypt file in trading instruments circulation move media, the encrypt file of optional reading and saving comprise at least two security element and at least two use the third phase between the information of vestiges, at least two security element to relation, at least two use the 4th relativeness between vestiges or/and at least two to use in vestiges the 5th relativeness in any one and at least two security element between any one.
Wherein at least two security element or at least two use that the information of vestiges is specifically optional to be security element and to use the material of vestige, shape, size, angle, sharpness, line thickness, color, brightness, texture or/and one or more combination in the dynamic image that formed under different preset light sources is sequentially irradiated of the position among bill, above-mentioned project.Wherein above-mentioned third phase is specifically optional to relation, the 4th relativeness or the 5th relativeness is one or more combination in relative distance, relative angle, relative size, relative color, relative brightness, relative articulation, relative accuracy, relative material.
Further alternative, in other embodiments, the characteristic information obtaining this trading instruments and deciphering reading and saving are different devices or equipment at issuance of a note database or/and with the trading instruments encrypt file circulated in move media.
Wherein optional, this second device or other equipment as endorsement information when this bill of computing machine/acquisition for mobile terminal circulate, using this endorsement information not encrypting storing in this move media as record of endorsing.Further alternative, this endorsement information also through encryption be encryption endorsement record and be added in the encrypt file of move media.This circulation records and optionally uploads to banking data base, records this endorsement record for bank's real-time awareness; Or do not upload to banking data base, preserve this circulation record for off-line.Wherein optional first device and the second device identical or different.
Further alternative, when detecting the true and false of trading instruments, also all export the information of the examination record adding this detection true and false corresponding in the move media circulated with trading instruments at every turn.This examination record is specifically optional comprises detecting instrument, method, bearer, detection operator, date or/and information such as testing results.
Be different from prior art, present embodiment is first by obtaining the characteristic information of bill, secondly by be kept at issuance of a note database after this characteristic information encryption respectively and circulate with this bill move media in, again when concluding the business circulation, first detect the true and false of trading instruments, be defined as very, the endorsement record of corresponding additional endorsement is added in the move media of Xiang Suiqi circulation, the i.e. management method of billing information electronization that provides of present embodiment, bill can be recorded from signing and issuing to the detailed information record separated and pay in current global mechanism process in move media, enable bearer when handling bill operation in time by move media or issuance of a note database carry out inquiring about the true and false of bill, and then confirming that this trading instruments is true time, to this trading instruments additional back letter breath and the endorsement record adding correspondence in this move media, the encrypt file realized in the move media by circulating with bill verifies papers easily, the transaction that prevention can not be verified papers in time and carry out is or/and endorsement risk of fraud, reduce economic loss, add endorsement record in time simultaneously, the Equity Investors of backed bill.
Consult Fig. 3, the schematic flow sheet of method the 3rd embodiment of billing information electronization provided by the invention, the method comprises:
Step 301: first device obtains the characteristic information of bill;
Step 302: be encrypt file by this characteristic information encryption, and export the instruction in the move media being kept at issuance of a note database respectively and circulate with this bill;
Step 303: when concluding the business circulation, the second device deciphering reading and saving is at issuance of a note database or/and with the encrypt file in trading instruments circulation move media and compare with the characteristic information that this second device obtains this trading instruments, judges whether consistent;
If be judged as YES, enter step 304: exporting this trading instruments is genuine result, and export reminding user and add adding the information of the endorsement record of endorsement by trading instruments in this move media circulated with trading instruments;
If be judged as NO, enter step 305: export the result that this trading instruments is invalid bill;
Wherein the step 201 of above-mentioned second embodiment of this step 301, step 302, step 303, step 304 and step 305, step 202, step 203, step 204 are identical with step 205, repeat no more herein.
Step 306: when honouring cash payment, the 3rd device deciphering reading and saving is at issuance of a note database or/and with the encrypt file in acceptance bill move media and compare with the characteristic information that the 3rd device obtains this acceptance bill, judges whether consistent; And
3rd device reads all endorsement records in the move media circulated with this acceptance bill and adds endorsement with this acceptance bill compares, and judges whether consistent;
If judge all consistent, enter step 307: export the result that this acceptance bill is effective bill.
Wherein the 3rd device obtains optional first image of this acceptance bill under different preset light sources same illumination angle and the second image under the different irradiating angle of identical preset light sources and at least one the security element information in this first image and the second image and at least one of comprising of the characteristic information of this acceptance bill and uses mark information.3rd device deciphers reading and saving at issuance of a note database or/and with the encrypt file in this acceptance bill circulation move media, at least one security element information that the encrypt file of optional reading and saving comprises in the first image and the second image obtained under these conditions uses mark information with at least one.
At least one security element information wherein under above-mentioned illuminate condition in the first image and the second image and at least one use that mark information is specifically optional to be security element and to use the material of vestige, shape, size, angle, sharpness, line thickness, color, brightness, optical characteristics, magnetoelectricity feature, reading information or/and one or more combination in the dynamic image that formed under different preset light sources is sequentially irradiated of the position in bill, above-mentioned project.
Wherein preset light sources comprises visible light source or/and invisible light source; The composite light source that visible light source comprises monochromatic source, at least two kinds of monochromatic sources are compounded to form; The composite light source that invisible light source comprises the infrared light supply of different wave length and ultraviolet source, at least two kinds of invisible light sources are compounded to form.
Further optional 3rd device obtain and the characteristic information of reading and saving also comprises security element in first and second embodiment above-mentioned or/and the first relativeness of use vestige, the second relativeness, third phase to relation, the 4th relativeness or/and the 5th relativeness.Repeat no more herein.
Further alternative, in other embodiments, during acceptance bill, the characteristic information obtaining this acceptance bill and deciphering reading and saving are identical or different device or equipment at issuance of a note database or/and with its encrypt file circulated in move media.
Wherein, 3rd device reads all or part of contents comprising the endorsement information that each transaction is transferred the possession of with all endorsement records in acceptance bill circulation move media, and namely this endorsement records the optional endorser of comprising, endorsee, the amount of money, date, rights of using (must not transfer the possession of) or/and one or more in corresponding signature information.
Wherein step 306 be also chosen as conclude the business circulation and have remote holder endorsement time, endorsee before endorsement to the verification step of trading instruments.Namely the concrete endorsement just carrying out this trading instruments when detection trading instruments is effective bill, makes bill proceed circulation.
Wherein, the use mark information that the step that further this step 302 is concrete is optional is by the security element information on this feature information extraction blank bill and produce when signing and issuing, be encrypted especially by arranging authorized user reading password, digital watermarking, special preservation form or above-mentioned at least two kinds of modes combined, be encrypt file by this characteristic information encryption, and export the instruction in respectively this encrypt file being kept at issuance of a note database and carrying out the move media that circulates with this bill.
Wherein this authorized user password can be revised and preserve, and after circulation of concluding the business, bearer is revised as new authorized user password.
Consult Fig. 4, Fig. 4 is that the information change schematic diagram in flow process is being signed and issued, circulates and honoured to bill.
Wherein this bill is described for banker's acceptance bill.
Refer to Fig. 4 (a), when issue of bill, when bank clerk need to client's first output 100,000 yuan indicate the bill A of draft bank a time, obtain the characteristic information of this bill A, specifically optional is before filling in bill, the relation information between information and each security element that bank clerk uses first device first to gather and obtains multiple security element on bill A is also preserved as fisrt feature information, bill has been filled at bank clerk, after both sides sign and seal, bank clerk can gather the information of multiple use vestige on bill A again, relation information between each use vestige and the relation information between use vestige and security element are as second feature information, bank clerk is also encrypted respectively by this first and second characteristic information or combined ciphering is treated to encrypt file AA', and this encrypt file AA' is kept at respectively in issuance of a note database and a move media A', client's first takes away this bill A and this move media A'.
Refer to Fig. 4 (b), when bill business circulates, client's first buys commodity to client's second, and claim that bill B and the move media B' with this bill B circulation is that bill A and move media A' is as valuable papers, now first client's second check that whether the draft bank b of bill B is identical with the draft bank a of bill A, if identical, re-use the true and false that the second device detects this bill B, specifically obtain the characteristic information of this bill B, namely the relation information obtained on this bill B between corresponding security element and each security element saves as third feature information, obtain the information using vestige, relation information between each use vestige and between use vestige and security element is as fourth feature information, client's second re-use the second device or other devices decipher respectively read encrypt file BB' in this move media B' or and sign and issue the encrypt file AA' of the corresponding bill A in database, and by the encrypt file BB' in move media B' or/and the characteristic information of bill B that the encrypt file AA' signing and issuing the corresponding bill A in database forms with third feature information and fourth feature information is compared, judge whether consistent, if be judged as YES, exporting this bill B is genuine result, namely this bill B is bill A, this move media B' is move media A', and reminding user second adds the information of the endorsement record of this transaction endorsement corresponding in this move media B', if be judged as NO, exporting this bill B is the result of invalid bill.
Such as, although the third feature information of bill B is identical with the fisrt feature information of bill A, illustrate that bill B itself is genuine, but such as the amount of money of the use vestige on bill B is 2,000,000 yuan, yuan different from 100,000 in second feature information, illustrate to be held by people and correct one's mistakes, want to gain 1,800,000 yuan that have more by cheating, then export the result that this bill is invalid bill.
Refer to Fig. 4 (c), when client's second with the bill C indicating draft bank c to banker's acceptance time, bank clerk is given by bill C with the move media C' that bill C circulates, and claim that this bill C and move media C' is respectively bill A and move media A', first bank clerk checks that whether the draft bank c of bill C is identical with the draft bank a of bill A, detects under identical prerequisite to the security element on bill C and use vestige again, the relation information that bank clerk can first use the 3rd device to obtain on bill C between corresponding security element and each security element saves as fifth feature information, obtain the information using vestige, relation information between each use vestige and between use vestige and security element is as sixth feature information, bank clerk re-uses the 3rd device or other devices and deciphers respectively and read encrypt file CC' in this move media C' or/and sign and issue the encrypt file AA' of the corresponding bill A in database, and the characteristic information of the bill C formed with fifth feature information and sixth feature information is compared, judge whether consistent, and
Bank clerk uses the 3rd device to read all endorsement information in this move media C' and add endorsement with this bill C to compare, and judges whether consistent;
Being if judge is export the result that this bill C is effective bill.
Further, this first device optional, the second device and the 3rd device are identical or different.This first device optional, the second device or the 3rd device obtain the issuance of a note respectively, the characteristic information of trading instruments or acceptance bill specifically obtains security element Information Images under the identical or different irradiating angle of Different Light of the issuance of a note, trading instruments or acceptance bill respectively and uses mark information image.
Be different from the situation of prior art, present embodiment is first by obtaining the characteristic information of bill, secondly by this characteristic information encryption be encrypt file and be kept at issuance of a note database respectively and in the move media that circulates with this bill, again during transaction circulation, whether the characteristic information first detecting trading instruments is consistent with the characteristic information prestored, when judging consistent, the endorsement record that corresponding trading instruments adds endorsement is added to in trading instruments circulation move media, last when honouring, whether the characteristic information not only verifying acceptance bill is consistent with the characteristic information prestored, also judge with endorsement record and this acceptance bill in acceptance bill circulation move media add endorse whether consistent, when judging all consistent, export the result that this bill is effective bill, namely the management method of billing information electronization that present embodiment provides can be recorded bill and pay in whole process process from signing and issuing to separate, the detailed information record of bill in the process of circulation, bearer is enable to inquire about the circulation record of bill when handling bill operation in time and distinguish the true and false of bill, confirm the authenticity of bill and the validity of bill rights and interests, realize preventing to conclude the business without note validating the risk of fraud brought, reduce economic loss.
Consult Fig. 5, Fig. 5 is the structural representation of system first embodiment of billing information electronization provided by the invention, and this system 50 comprises:
First device 510, for obtaining the characteristic information of bill;
Encryption device 520, for being encrypt file by this characteristic information encryption, and exports the instruction in the move media being kept at issuance of a note database respectively and circulate with this bill;
Move media 530, for preserving encrypt file and adding adding the endorsement record of endorsement by bill;
When wherein this endorsement record is transaction circulation, if trading instruments is true, then add the endorsement record that corresponding trading instruments adds endorsement.During further optional each transaction circulation, if trading instruments is true, all add the endorsement record that corresponding trading instruments adds endorsement at every turn.In other embodiments, the corresponding examination record judging the trading instruments true and false is also added.
The system architecture of corresponding method first embodiment provided by the invention of this system, repeats no more herein.
Wherein encryption device 520 specifically comprises extraction unit 5201 and processing unit 5202;
This extraction unit 5201, for by the security element information of feature information extraction bill and the use mark information of bill;
This processing unit 5202, for the security element information of bill and the use mark information of this bill are read password, digital watermarking, special preservation form or above-mentioned at least two kinds of modes combined be encrypted as encrypt file especially by arranging authorized user, and export the instruction in the move media respectively this encrypt file being kept at issuance of a note database and circulate with this bill.
Wherein further, this system also comprises the second device or/and the 3rd device;
This second device 540, for when concluding the business circulation, deciphering reading and saving is at issuance of a note database or/and with the encrypt file in trading instruments circulation move media and compare with the characteristic information that this second device obtains trading instruments, judges whether unanimously;
If the determination result is YES, exporting this trading instruments is genuine result, and exports reminding user and add adding the information of the endorsement record of endorsement by trading instruments in the move media circulated with this trading instruments;
If judged result is no, export the result that this trading instruments is invalid bill;
3rd device 550, for when honouring cash payment, deciphering is read and is pre-stored in this issuance of a note database or/and compare with the characteristic information that the 3rd device obtains acceptance bill with this encrypt file in acceptance bill circulation move media, judges whether unanimously; And
Compare for reading with all endorsement records in this acceptance bill circulation move media and adding endorsement with this acceptance bill, and judge whether consistent;
Export the result that this acceptance bill is effective bill if judged result is.
The second device respectively in corresponding second and third embodiment of method provided by the invention of this second device and the 3rd device and the 3rd apparatus structure, repeat no more herein.
Consult Fig. 6, Fig. 6 is the structural representation signing and issuing acquisition device of billing information electronization provided by the invention, and this device comprises:
First acquisition module 610, for obtaining the characteristic information of bill;
Encrypting module 620, for being encrypt file by this characteristic information encryption, and exports the instruction in the move media being kept at issuance of a note database respectively and circulate with this bill.
The corresponding step 101 of method first embodiment provided by the invention of this device 60 and the structure of step 102, repeat no more herein.
Consult Fig. 7, Fig. 7 is the structural representation of the circulation pick-up unit of billing information electronization provided by the invention, and this device 70 comprises:
Second acquisition module 710, for obtaining the characteristic information of bill;
First detection module 720, the encrypt file in the move media circulated at issuance of a note database or/and with this bill for reading and saving is also compared with the characteristic information obtaining this bill, judges whether consistent;
First output module 730, for if the determination result is YES, exporting this bill is genuine result, and exports reminding user and add adding the information of the endorsement record of endorsement by bill in this move media; If when judged result is no, export the result that this bill is invalid bill;
Wherein this move media is for preserving containing the encrypt file of bill characteristic information or the endorsement record with corresponding bill business circulation.
The structure of the second device of corresponding method second embodiment provided by the invention of this device 70, repeats no more herein.
Consult Fig. 8, Fig. 8 is the structural representation of the demo plant of billing information electronization provided by the invention, and this device 80 comprises:
3rd acquisition module 810, for obtaining the characteristic information of bill,
Second detection module 820, for reading and saving at issuance of a note database or/and with the encrypt file in this bill circulation move media and with obtain the characteristic information of this bill and compare, judge whether consistent; And
Record for all endorsements of reading in this move media and cease with this bill additional back letter and compare, and judge whether consistent;
Second output module 830, if all consistent for judged result, exports the result that this bill is effective bill;
Wherein this move media is for preserving the endorsement record containing the encrypt file of bill characteristic information and the circulation of this bill business.
The structure of the 3rd device of this device 80 corresponding method provided by the invention 3rd embodiment, repeats no more herein.
The foregoing is only embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (10)
1. a management method for billing information electronization, is characterized in that, comprising:
During issue of bill, first device obtains the characteristic information of the issuance of a note;
Be encrypt file by described characteristic information encryption, and export the instruction in the move media being kept at issuance of a note database respectively and circulate with the described issuance of a note;
During transaction circulation, detect the true and false of trading instruments, if described trading instruments is true, exports and add the information that corresponding described trading instruments adds the endorsement record of endorsement in described trading instruments circulation move media.
2. method according to claim 1, is characterized in that,
During described transaction circulation, detect the true and false of described trading instruments, if described trading instruments is true, exports and to add the information that corresponding described trading instruments adds the endorsement record of endorsement in described trading instruments circulation move media and specifically comprise:
When concluding the business circulation, second device deciphering reading and saving is at described issuance of a note database or/and with the encrypt file in described trading instruments circulation move media and compare with the characteristic information that described second device obtains described trading instruments, judges whether consistent;
If be judged as YES, exporting described trading instruments is genuine result, and exports reminding user in the move media circulated with described trading instruments, add the information that corresponding described trading instruments adds the endorsement record of endorsement;
If be judged as NO, export the result that described trading instruments is invalid bill.
3. method according to claim 2, is characterized in that,
Described method comprises further:
When honouring cash payment, the 3rd device deciphering reading and saving is at described issuance of a note database or/and with the encrypt file in acceptance bill circulation move media and compare with the characteristic information that described 3rd device obtains described acceptance bill, judges whether consistent; And
3rd device reads with all endorsement records in described acceptance bill circulation move media and adds endorsement with described acceptance bill compares, and judges whether consistent;
Being if judge is export the result that described acceptance bill is effective bill.
4. the method according to claims 1 to 3 any one, is characterized in that,
Described is encrypt file by described characteristic information encryption, and exports the instruction in being kept at issuance of a note database respectively and carrying out the move media that circulates with the described issuance of a note specifically:
By described feature information extraction security element information and use mark information, described encryption is carried out especially by arranging authorized user reading password, digital watermarking, special preservation form or above-mentioned at least two kinds of modes combined, be encrypt file by described characteristic information encryption, and export the instruction in respectively described encrypt file being kept at described issuance of a note database and carrying out the move media that circulates with the described issuance of a note.
5. method according to claim 4, is characterized in that,
Described first device, the second device or the 3rd device obtain the described issuance of a note respectively, the characteristic information of described trading instruments or described acceptance bill specifically obtains security element Information Images under the identical or different irradiating angle of Different Light of the described issuance of a note, described trading instruments or described acceptance bill respectively and uses mark information image.
6. a system for billing information electronization, is characterized in that, comprising:
First device, for obtaining the characteristic information of bill;
Encryption device, for being encrypt file by described characteristic information encryption, and exports the instruction in the move media being kept at issuance of a note database respectively and circulate with described bill;
Move media, for preserving described encrypt file and adding the endorsement record that corresponding described bill adds endorsement;
Wherein, when described endorsement record is transaction circulation, if trading instruments is true, then the endorsement record that corresponding described trading instruments adds endorsement is added.
7. system according to claim 6, is characterized in that,
Described system comprise further the second device or and the 3rd device;
Described second device, when circulating for concluding the business, deciphering reading and saving is at described issuance of a note database or/and with the encrypt file in trading instruments circulation move media and compare with the characteristic information that described second device obtains described trading instruments, judges whether consistent;
If the determination result is YES, exporting described trading instruments is genuine result, and output reminding user adds the information that corresponding described trading instruments adds the endorsement record of endorsement in the move media circulated with described trading instruments;
If judged result is no, export the result that described trading instruments is invalid bill;
Described 3rd device, for when honouring cash payment, deciphering is read and is pre-stored in described issuance of a note database or/and compare with the characteristic information that described 3rd device obtains described acceptance bill with the encrypt file in acceptance bill circulation move media, judges whether consistent; And
Add endorsement with described acceptance bill compare for all endorsements records of reading in the move media that circulates with described acceptance bill, and judge whether consistent;
Export the result that described acceptance bill is effective bill if judged result is.
8. billing information electronization sign and issue an acquisition device, it is characterized in that, comprising:
First acquisition module, for obtaining the characteristic information of bill;
Encrypting module, for being encrypt file by described characteristic information encryption, and exports the instruction in the move media being kept at issuance of a note database respectively and circulate with described bill.
9. a circulation pick-up unit for billing information electronization, is characterized in that, comprising:
Second acquisition module, for obtaining the characteristic information of bill;
First detection module, compares with the characteristic information obtaining described bill at issuance of a note database or/and with the encrypt file in described bill circulation move media for reading and saving, judges whether consistent;
First output module, for if the determination result is YES, exporting described bill is genuine result, and exports reminding user in described move media, add the information that corresponding described bill adds the endorsement record of endorsement; If when judged result is no, export the result that described bill is invalid bill;
Wherein said move media is for preserving containing the encrypt file of bill characteristic information or the endorsement record with corresponding bill business circulation.
10. a demo plant for billing information electronization, is characterized in that, comprising:
3rd acquisition module, for obtaining the characteristic information of bill,
Second detection module, compares with the characteristic information obtaining described bill at issuance of a note database or/and with the encrypt file in described bill circulation move media for reading and saving, judges whether consistent; And
Record for all endorsements of reading in described move media and add endorsement with described bill and compare, and judge whether consistent;
Second output module, if all consistent for judged result, exports the result that described bill is effective bill;
Wherein, described move media for preserve containing bill characteristic information encrypt file and transaction circulation endorsement record.
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| CN201510076273.9A CN104881811B (en) | 2015-02-12 | 2015-02-12 | Management method, system and device for electronization of bill information |
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| CN201510076273.9A CN104881811B (en) | 2015-02-12 | 2015-02-12 | Management method, system and device for electronization of bill information |
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| CN104881811B (en) | 2020-01-17 |
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Address after: Nanshan District Xueyuan Road in Shenzhen city of Guangdong province 518000 No. 1001 Nanshan Chi Park A7 building 6 floor Applicant after: Shenzhen poly financial Polytron Technologies Inc Address before: 518000 northwest Sunshine Golf building, junction of Shennan Avenue and Xiangmi Lake Road, Shenzhen, Futian District 610, Guangdong Applicant before: SHENZHEN GERON SINCO TECHNOLOGY CO., LTD. |
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