CN111292464A - Online evaluation system for gold labels of cash machines - Google Patents

Online evaluation system for gold labels of cash machines Download PDF

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CN111292464A
CN111292464A CN202010140709.7A CN202010140709A CN111292464A CN 111292464 A CN111292464 A CN 111292464A CN 202010140709 A CN202010140709 A CN 202010140709A CN 111292464 A CN111292464 A CN 111292464A
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fsn
crown
cash machine
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CN111292464B (en
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李发强
张文军
陈晓晖
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Suzhou Shumai Technology Co ltd
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Suzhou Mengchain Digital Technology Co Ltd
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    • G07CHECKING-DEVICES
    • G07DHANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D7/00Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
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Abstract

The invention discloses an online evaluation system for a gold label of a cash machine. The system comprises a cash machine tool, a commercial bank supervision front-end processor, a crown word number FSN acquisition module, a crown word number FSN evaluation module and an evaluation management module, wherein the cash machine tool is used for identifying and generating crown word number FSN data, the commercial bank supervision front-end processor receives and forwards the crown word number FSN data generated by the cash machine tool, the crown word number FSN acquisition module acquires the crown word number FSN data from the commercial bank supervision front-end processor and sends the acquired crown word number FSN data to the crown word number FSN evaluation module, and the crown word number FSN evaluation module analyzes and compares and evaluates the crown word number FSN data in sequence and generates an evaluation result. The invention creates a mode of monitoring the cash machines and tools in a penetrating and conforming manner of the people's bank, improves the monitoring work efficiency and generally checks whether the cash machines and tools reach the standard or not.

Description

Online evaluation system for gold labels of cash machines
Technical Field
The invention belongs to the technical field of computers, and particularly relates to an online evaluation system for a gold label of a cash machine.
Background
The serial number is the only number of each RMB paper currency and is one of the marks for the cash machine to identify the truth of each paper currency. According to the regulation of the money identification and counterfeit money collection and identification management method of the Chinese people bank (No. 3 of the 2019) and the financial industry standard of the Chinese people's republic of China (JR/T0154-2017) technical specification of the identification capability of the money and cash machines (hereinafter referred to as the gold mark), when the commercial bank fulfills the obligation of money identification, the following measures are taken:
ensuring that the authentication capability of the cash machine in use meets national and industrial standards;
and (II) acquiring and storing the RMB and the main foreign currency crown word number according to relevant regulations of the China RMB.
The cash machine should store and provide all the detection result data according to the format requirements specified by the Chinese people's bank, and should have the function of directly or indirectly uploading the detection result through the Ethernet.
And (IV) the recognition misreading rate of the crown word number is less than or equal to 0.03 percent. The counterfeit money recognition rate is 100%.
The data format of the current self-built crown word number inquiry system of the commercial bank is a self-organized system, and cannot be interconnected and communicated with a management system of a people bank, and crown word number data of the commercial bank is an information isolated island. At present, people's banks supervise whether commercial bank cash is received and paid to record crown word numbers or not, whether full-amount credit is cleared or not and whether cash machines meet gold labels or not, only can on-site law enforcement and spot check or monitoring video calling and checking are carried out, time and labor are wasted, and monitoring efficiency is low.
Disclosure of Invention
The technical problems solved by the invention are as follows: in view of the above, the invention provides a method for online evaluation of a gold label of a cash machine, which can solve the problems that whether the cash balance of commercial banks in the administrative jurisdiction of remote online and off-site supervision of the RMB records a crown word number, whether the commercial banks have full-amount credit and whether the cash machine conforms to the gold label, supervise the currency identification and the collection of counterfeit money in a compliance manner, strictly forbid the circulation of the counterfeit money and ensure the credit degree and the completeness of the RMB; crown-word numbers and customer information (KYC) are recorded simultaneously to support large cash access.
The technical scheme is as follows: in order to solve the technical problems, the technical scheme adopted by the invention is as follows:
a cash machine gold mark online evaluation system comprises a cash machine, a commercial bank supervision front-end processor, a crown number FSN acquisition module, a crown number FSN evaluation module and an evaluation management module, wherein the cash machine is used for identifying and generating crown number FSN data corresponding to running paper money, the commercial bank supervision front-end processor is connected with the cash machine to receive and forward the crown number FSN data generated by the cash machine, the crown number FSN acquisition module acquires the crown number FSN data from the commercial bank supervision front-end processor and sends the acquired crown number FSN data to the crown number FSN evaluation module, the crown number FSN evaluation module analyzes and compares and evaluates the crown number FSN data in sequence to generate an evaluation result, and the crown number FSN evaluation module sends the evaluation result to the commercial bank supervision front-end processor, and the commercial bank supervision front-end processor sends an evaluation result to the evaluation management module.
Further, the crown number FSN data comprise crown number image data and crown number character data, and the crown number FSN evaluating module extracts crown number character data from the crown number image data based on optical character recognition and compares the extracted crown number character data with crown number character data in the crown number FSN data to evaluate the cash machine.
Further, the crown word number FSN acquisition module and the crown word number FSN evaluation module are arranged on a network terminal or are customized and integrated into a movable device so as to be in online or offline butt joint with cash machines.
Further, the commercial bank supervision front-end processor is configured as a node on a chain of the people's bank and the commercial bank alliance, so that the crown number FSN data output by the cash machine is synchronously linked in a chain for deposit.
Further, the commercial bank supervision front-end processor generates an evaluation block according to an evaluation result generated by a machine number, an evaluation timestamp, a Hash pointer and a crown word number (FSN) evaluation module of the cash machine and a financial institution number of a bank where the cash machine is located, and ensures that the data chain cannot be tampered.
Furthermore, the evaluation management module can be accessed through a block chain browser to inquire and track the evaluation result of any cash machine of a bank in the jurisdiction.
Furthermore, the evaluation management module supports automatic generation of an evaluation list of bank cash machines in the jurisdiction and is in butt joint with a centralized system.
Further, the commercial bank supervision front-end processor interfaces with a commercial bank transaction system to automatically associate the crown word number of each banknote received and paid with customer information.
Further, the cash machine tool comprises a cash counter, a cash sorter and an ATM.
Has the advantages that: compared with the prior art, the invention has the following advantages:
the mode of monitoring cash machines and tools in a penetrating and conforming manner by people's banks is innovated, the monitoring work efficiency is improved, the standard-reaching rate of the cash machines and tools is generally checked, and the product quality is improved by a cash machine and tool manufacturer which is refused; the cash machine is evaluated on line, the full coverage of a currency identification and counterfeit currency collection compliance supervision network is realized, blind areas and dead angles are not left, the 'zero tolerance' of counterfeit currency is ensured, damaged coupons which are not suitable for circulation are not circulated, the neatness of the RMB is ensured, and the satisfaction degree of people on the RMB is further improved. The method supports large-amount cash access to synchronously record the crown word number and the customer information (KYC), and prevents and attacks illegal criminals such as money washing, drug selling and the like.
Drawings
FIG. 1 is a schematic diagram of a cash machine gold mark online evaluation system;
FIG. 2 is a schematic diagram of blockchain data in the cash machine medal online evaluation system.
Detailed Description
The present invention will be further illustrated by the following specific examples, which are carried out on the premise of the technical scheme of the present invention, and it should be understood that these examples are only for illustrating the present invention and are not intended to limit the scope of the present invention.
As shown in fig. 1 and 2, the embodiment of the invention provides an online evaluation system for a cash machine and a gold mark, which comprises a cash machine 1, a commercial bank supervision front-end processor 2, a crown word number FSN acquisition module 3, a crown word number FSN evaluation module 4 and an evaluation management module 5. Wherein, the cash machine 1 comprises a cash counter, a cash sorter and an ATM. The cash machine 1 recognizes running banknotes that have passed through the cash machine 1 during a transaction or operation, and generates serial number FSN data corresponding to the running banknotes. The existing cash machine 1 directly uploads the crown word number FSN data to a crown word number system of a commercial bank, so that the crown word number data of the commercial bank is an information island, and the performance of the cash machine 1 is not evaluated, so that whether the cash machine 1 is qualified or not cannot be verified. In order to evaluate the cash machine 1, the commercial bank supervision front-end processor 2 is connected with the cash machine 1, the function of the commercial bank supervision front-end processor 2 is equivalent to the function of a data gateway, the commercial bank supervision front-end processor 2 can receive and find the crown number FSN data generated by the cash machine 1, the commercial bank supervision front-end processor 2 forwards the crown number FSN data to the crown number FSN acquisition module 3, the crown number FSN acquisition module 3 further sends the crown number FSN data to the crown number FSN evaluation module 4, the crown number FSN evaluation module 4 sequentially analyzes and contrasts and evaluates the crown number FSN data, and an evaluation result is generated, the crown word number FSN evaluation module 4 sends the evaluation result to the commercial bank supervision front-end processor 2, and the commercial bank supervision front-end processor 2 sends the evaluation result to the evaluation management module 5. Furthermore, the related staff can inquire and track the evaluation result of any cash machine 1 of the bank in the jurisdiction by accessing the evaluation management module 5.
The crown number FSN data comprise crown number image data and crown number character data, the crown number FSN evaluating module 3 extracts the crown number character data from the crown number image data again based on Optical Character Recognition (OCR), compares the extracted crown number character data with the crown number character data in the crown number FSN data generated by the cash machine 1, and further evaluates the cash machine 1. Specifically, the crown word number FSN evaluating module is used for evaluating whether gold mark test parameters of the cash machine reach the standard or not from multiple dimensions such as the crown word number recognition rate, the counterfeit currency recognition rate, the damaged currency recognition rate and the like.
The crown word number FSN acquisition module 3 and the crown word number FSN evaluation module 4 of the embodiment of the invention can be arranged on a network terminal, and the crown word number FSN acquisition module 3 and the crown word number FSN evaluation module 4 can also be arranged on a commercial bank supervision front-end processor 2, so that various cash machines 1 can be connected in an online manner. The crown word number FSN acquisition module 3 and the crown word number FSN evaluation module 4 can also be customized and integrated into a movable device, so that various cash machines 1 can be butted under the line.
The commercial bank supervision front-end processor 2 can also be configured as a node on a chain of the people's bank and the commercial bank alliance, and further the crown number FSN data output by the cash machine 1 is synchronously linked in real time to store the certificate. The commercial bank supervision front-end processor 2 can generate an evaluation block by using the machine number of the cash machine 1, the time stamp for evaluation, the hash pointer, the evaluation result generated by the FSN (serial number) evaluation module of the crown word number and the financial institution number of the bank where the cash machine 1 is located, so as to ensure that the data chain cannot be tampered.
The evaluation management module 5 of the embodiment of the invention can be accessed through a block chain browser to inquire and track the evaluation result of any cash machine 1 of a bank in the jurisdiction. The evaluation management module 5 can also support the automatic generation of an evaluation list of the cash machines 1 of the banks in the jurisdiction and the butt joint of a centralized system of the people's bank.
In order to maintain the existing functions of the commercial bank transaction system, the commercial bank supervision front-end processor 2 can also be connected with the commercial bank transaction system, specifically, the commercial bank supervision front-end processor 2 can forward the received serial number FSN data to the commercial bank serial number system, the commercial bank transaction system can automatically call the serial number FSN data from the commercial bank serial number system, and further, the serial number of each bill received and paid is automatically associated with customer information (identity card number, bank card number and the like).
The related art related to the present invention includes: OCR, FSN data format, chunk, timestamp, and hash pointer, respectively, are now described in their concept and how they may be implemented in the present invention.
OCR (Optical Character Recognition): refers to a process in which an electronic device (e.g., a scanner or a digital camera) checks a character printed on paper, determines its shape by detecting dark and light patterns, and then translates the shape into a computer text by a character recognition method; the method is characterized in that characters in a paper document are converted into an image file with a black-white dot matrix in an optical mode aiming at print characters, and the characters in the image are converted into a text format through recognition software for further editing and processing by word processing software.
FSN data format:
1) naming of U disk crown word number file
1. Dollars: usdgzhm. fsn
2. Euro: EURGZHM. FSN
3. Pound: GBPGZHM
4. RMB: CNYGZHM. FSN
5. B, Japanese yuan: JPYGZHM. FSN
6. Australia Yuan: AUDGZHM. FSN
7. A Hongkong Yuan: HKDZHM. FSN
8. The new-Lila: TLGZHM. FSN
9. Adding elements: CADGZHM. FSN
10. And (3) coating with a lub: RUBGZHM. FSN
11. And (5) Korean: KRWGZHM. FSN
Can be expanded according to the needs.
2) The U disk crown word number file consists of two parts: the file header and the file record contents.
The following relates to the data structure and algorithm paragraphs, which are illustrated in the C language structure and syntax for clarity of description. Where Uint16 represents a 16-bit unsigned integer and Uint32 represents a 32-bit unsigned integer.
1. The file header structure:
typedefstruct{
Uint16 HeadStart[4];
Uint16 HeadString[6];
Uint32 Counter;
Uint16 HeadEnd[4];
}
description of the header structure:
the HeadStart consists of 4 16-bit unsigned data, with decimal numbers of 20,10,7, and 26;
the Headstring consists of 6 16-bit unsigned data with content of
HeadString[0]=0
HeadString[1]=1
Headstring [2] ═ 0x2E or 0x2D
0x2E indicates that the USB flash disk data record contains an image serial number, and 0x2D indicates that the USB flash disk data record does not contain an image serial number
Header string [3] ═ S', capital character S
Header string [4] ═ N', capital character N
Headstring [5] ═ o', lower case character o
The Counter is a 32-bit unsigned value and records the number of records of the current crown word number. This number must be changed when writing a new number record to the crown number file. Otherwise, the Counter does not match the actual recording number, and the data of the U disk is considered as an illegal file.
The HeadEnd is composed of 4 16-bit unsigned data, and the content is decimal number, and the numerical values are 0,1,2 and 3 respectively.
2. File record structure:
Figure RE-GDA0002457217310000061
description of the file record structure:
date and Time are the Time when the machine starts to check the banknote when the machine checks a banknote:
the generation algorithm of date data specifying the year, month and day is: date ═ ((Year-1980) < <9) + (Month < <5) + Day
Wherein: year is Year, more than or equal to 1980; month is Month; day is Day;
the time data generation algorithm for a given hour, minute and second is: time ═ 1 (Hour < <11) + (Minute < <5) + (Second >)
Wherein: hour is more than or equal to 0 and is less than 24, Minute is more than or equal to 0 and is less than 60, and Second is more than or equal to 0 and is less than 60
tfFlag true and false note flag, 0 is false note or suspicious note, 1 is true note, 2 is worn note (applicable to the sorter), and 3 is old note (applicable to the sorter);
ErrorCode represents at most 3 groups of counterfeit note feature codes (the feature codes are 12, and are respectively 1,2,3,4,5,6,7,8,9,10,11 and 12), and true notes are filled with 0; if only one group of the feature codes exists, the feature codes are filled in the Errorcode [0], and the other two groups are filled in 0; if there are two groups of feature codes, fill the feature codes in Errorcode [0] and Errorcode [1], and fill the rest group with 0;
MoneyFlag currency mark, 4 upper case ASCII english letters at most, less than 4 bits other bits fill 0:
and (3) USD: dollar
EUR: euro Yuan
GBP: british pound
CNY: RMB (RMB)
JPY: japanese yuan
AUD: ao Yuan
HKD: hongkong yuan
TL: xinlira
CAD: adding element
RUB: lubu
KRW: hanyuan
Can be expanded according to the needs.
Example (c): the method for filling in the dollar is as follows: MoneyFlag [0] ═ U ', MoneyFlag [1] ═ S ', MoneyFlag [2] ═ D ', and MoneyFlag [3] ═ 0.
The filling method of the new Lila comprises the following steps: MoneyFlag [0] ═ T ', MoneyFlag [1] ═ L', MoneyFlag [2] ═ 0, and MoneyFlag [3] ═ 0.
A Ver year version or version number flag; the RMB is used as a year edition mark, the value is filled with 0,1 and 2, which respectively represent 1990,1999,2005 year editions and can be expanded according to the actual situation; the remaining currencies 9999 (indicating no consideration for year version);
valuta currency, maximum currency 50000;
the CharNUM number of the prefix number indicates the number of the numbers stored in the array SNo;
SNo storing recognized crown word numbers, each array element storing one digit number (ASCII character), 12 digits at most, and less than 12 digits of the rest bits filled with 0;
example (c): SNo [0] ═ T ', SNo [1] ═ J ', SNo [2] ═ 0 ', SNo [3] ═ 1 ', SNo [4] ═ 2 ',
SNo[5]=‘3’,SNo[6]=‘4’,SNo[7]=‘5’,SNo[8]=6’,SNo[9]=‘7’,
SNo[10]=0,SNo[11]=0;
the machine tool number of the machine SNo machine is 24 bits, each array element stores one ASCII character, and the rest bits less than 24 bits are filled with 0;
the specific encoding rule is as follows: BOC year/company abbreviation/model number
Year: 2 position
Company abbreviations: not more than 4 positions
Model number: less than or equal to 13 (specified by the manufacturer)
For example: the method for filling the BOC12/ABCD/EFG05000101 comprises the following steps:
MachineSNo[0]=‘B’
MachineSNo[1]=‘O’
MachineSNo[2]=‘C’
MachineSNo[3]=‘1’
MachineSNo[4]=‘2’
MachineSNo[5]=‘/’
MachineSNo[6]=‘A’
MachineSNo[7]=‘B’
MachineSNo[8]=‘C’
MachineSNo[9]=‘D’
MachineSNo[10]=‘/’
MachineSNo[11]=‘E’
MachineSNo[12]=‘F’
MachineSNo[13]=‘G’
MachineSNo[14]=‘0’
MachineSNo[15]=‘5’
MachineSNo[16]=‘0’
MachineSNo[17]=‘0’
MachineSNo[18]=‘0’
MachineSNo[19]=‘1’
MachineSNo[20]=‘0’
MachineSNo[21]=‘1’
MachineSNo[22]=0
MachineSNo[23]=0
model number and reserved word 1 revision:
at present, each machine and tool manufacturer sets the field as a combination of two parts of information, namely, a model and a number, such as a type a cash counter "2108A 13060001", wherein the first 5 bits "2108A" are the model, and the last 8 bits "13060001" are the number, that is, the model and the number are {13 characters: 5 +8 characters } combination rule.
Each machine tool manufacturer should mark the equipment category and the combination rule of the machine type and the serial number in the information transmitted to the upper computer, so that the crown word number processing system can separately store the machine type and the serial number information, and can use the Unit16 Reserve1// reserved word 1 ", and the allocation definition of the Uint16 Reserve1 is as follows:
Figure RE-GDA0002457217310000091
wherein
Machine _ Type: 0 is undefined, 1 is a sorting machine, 2 is a cash recycling machine, 3 is a cash counter, 4 is a cash dispenser and 5 is a cash exchange machine.
Money _ Type: the numeral 0 is undefined, 1 is a cash coupon allocated by an automatic teller machine, 2 is a general complete coupon, and 3 is a suspicious coupon.
ImageSNo image crown number, which is a data structure, TIMageSNo; TImageSNo is defined as follows:
1) single image number, up to 32 lines, up to 32 bits per line
typedefstruct{
Uint32 Data [32 ]; v/image crown word number dot matrix data
Timgsnomata; // Single image number Structure
2) Image crown word number structure, up to 12-bit number
Figure RE-GDA0002457217310000101
3) Detailed description of the image lattice layout of the Single image number Structure TIMGnOData
Each element Data [ i ] in the timgsonodata is 32-bit Data which respectively represents a column of lattice Data in the image number, the highest bit31 represents the pixel of the 0 th line, the second highest bit30 represents the pixel of the 1 st line, and so on, the lowest bit of bit0 represents the pixel of the 31 st line; namely:
Figure RE-GDA0002457217310000102
thus, the element Data [0] represents the 0 th column of dot matrix Data,
the element Data [1] represents the 1 st column of lattice Data,
the element Data [ i ] represents the lattice Data of the ith column, i is more than or equal to 0 and less than or equal to 31
The element Data [31] represents the 31 st column dot matrix Data.
Note 1: the file record structure of the U disk file which does not contain the image serial number does not contain the TIMageSNoImageSNo;
note 2: machine number of machine SNo is 24 bits
Third, FSN file export mode
The FSN file generated by the crown number recording device should be exported outwards in the SFTP format.
The black mark is a part for supplementing guidance opinions about promoting special treatment work of counterfeit money (Yinfa [2013] 14), < inquiry management data format of crown word numbers of bank cash processing equipment > and < notice about further making special treatment work of counterfeit money (Yinfa [2013] 197).
Block (Block):
a Block consists of a Block Header (Block Header) and a transaction list contained in the Block. A chunk is a data packet carrying transaction data over a blockchain network, and is a data structure that is tagged with a timestamp and a hash value of a previous chunk, which verifies and validates the transaction in the chunk via a consensus mechanism of the network.
Parent Block refers to the Block immediately preceding the Block, and the Block chain is sorted in time by recording the Block at the Block head and the hash value of the Parent Block.
The block header records meta-information of the current block, including data such as a current version number, a hash value of the parent block, a timestamp, a random number, and a hash value of the MerkleRoot. In addition, the data record of the block body generates a unique Merkleroot record in the block head through the Hash process of MerkleTree.
Time stamping:
the block chain ensures that each block is sequentially connected in turn through the time stamp. The time stamp makes each data in the block chain have a time mark. In short, the time stamp proves when something happened on the blockchain and anyone cannot tamper with it. The time stamp plays the role of a notary in the blockchain.
Hash pointer:
the hash pointer is a data structure, specifically, a pointer to a data storage location, and is also a hash value of the location data. Compared with a common pointer, the hash pointer can not only tell you where to store, but also verify that the data has not been tampered with.
The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.

Claims (9)

1. An online evaluation system for gold labels of cash machines is characterized by comprising a cash machine, a commercial bank supervision front-end processor, a crown number FSN acquisition module, a crown number FSN evaluation module and an evaluation management module, wherein the cash machine is used for identifying and generating crown number FSN data corresponding to running paper money, the commercial bank supervision front-end processor is connected with the cash machine to receive and forward the crown number FSN data generated by the cash machine, the crown number FSN acquisition module acquires the crown number FSN data from the commercial bank supervision front-end processor and sends the acquired crown number FSN data to the crown number FSN evaluation module, the crown number FSN evaluation module analyzes and compares the crown number FSN data in sequence to generate an evaluation result, and the crown number FSN evaluation module sends the evaluation result to the commercial bank supervision front-end processor, and the commercial bank supervision front-end processor sends an evaluation result to the evaluation management module.
2. The cash machine gold mark online evaluation system of claim 1, wherein the crown number FSN data comprises crown number image data and crown number character data, and the crown number FSN evaluation module extracts crown number character data from the crown number image data based on optical character recognition and compares the extracted crown number character data with crown number character data in the crown number FSN data to evaluate the cash machine.
3. The cash machine gold mark online evaluation system of claim 1, wherein the crown number FSN acquisition module and the crown number FSN evaluation module are arranged on a network terminal or are integrated into a mobile device in a customized mode so as to interface the cash machine online or offline.
4. The system for online evaluation of a cash machine gold mark of claim 1, wherein the commercial bank supervision front-end processor is configured as a node on a chain of the people's bank and the commercial bank alliance to synchronously chain deposit certificate on the FSN data of the crown number output by the cash machine in real time.
5. The cash machine gold mark online evaluation system according to claim 4, wherein the commercial bank supervision front-end processor generates an evaluation block by a machine number of the cash machine, an evaluation timestamp, a hash pointer, an evaluation result generated by a crown word number FSN evaluation module and a financial institution number of a bank where the cash machine is located, so as to ensure that a data chain cannot be tampered.
6. The system for online evaluation of a cash machine and a gold mark of claim 5, wherein the evaluation management module is accessible through a blockchain browser to query and track the evaluation result of any cash machine of a bank in the jurisdiction.
7. The cash machine gold mark online evaluation system of claim 1, wherein the evaluation management module supports automatic generation of an evaluation list of bank cash machines in jurisdiction and docking with a centralized system.
8. The cash machine gold mark online evaluation system of claim 1, wherein the commercial bank supervision front-end processor interfaces with a commercial bank transaction system to automatically associate a crown number of each banknote accepted and paid with customer information.
9. The cash machine gold mark online evaluation system of claim 1, wherein the cash machine comprises a cash counter, a cash sorter and an ATM machine.
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