CN1236147A

CN1236147A - Bill ckecking system

Info

Publication number: CN1236147A
Application number: CN99105363A
Authority: CN
Inventors: 邵通
Original assignee: Individual
Current assignee: Individual
Priority date: 1999-04-30
Filing date: 1999-04-30
Publication date: 1999-11-24
Also published as: AU3955300A; WO2000067209A1

Abstract

The bill checking system includes communicator for drawer, communicator for drawee, band communicator, client data base, bill cipher base, checking limit base, client identity recognizing device, cipher recognizing device and limit comparing device. During bill is used, the drawer provides bill data and bill with cipher to drawee, the drawee sends to the bank the bill data and cipher, the bank returns to the drawee the bill checking results, including the correctness of the cipher, whether the bill amount excesses the checked limit or not, whether the fund under the account of the drawee is enough to pay the bill or not, whether the bill is reported to be lost or not, and other information.

Description

Bill checking system

The present invention relates to a kind of bill checking system, specifically, relate to and a kind ofly can make the drawee reliability of bill be verified the bill checking system of not revealing simultaneously other bank informations of check drawer again.

In business activity, the buyer often uses bank money and seal as the voucher of paying at present.Because the seller can not differentiate the true and false of bill and seal when receiving bill, can not verify whether enough funds are arranged under the account number of this bill, the check drawer is taken place often utilize fake bill, report the loss the case that bill or accommodation bill are swindled, drawee's economic interests are incurred loss.Therefore drawee's legitimacy of wishing to inquire about to bank this bill.But,, check drawer's important information is revealed if this inquiry is not had certain restriction.For example the drawee can learn the precise information of the balance of deposits under check drawer's account number by inquiry repeatedly, and this to be bank law stipulate the data that bank must maintain secrecy.

The objective of the invention is to propose a kind of bill checking system that the drawee can be verified the legitimacy of bill.

According to technical scheme of the present invention, a kind of bill paying system is proposed, comprise the bank aspect:

Information receiver is used for receiving bill data and bill password from a drawee, and described bill data comprises account No., note number and the amount of the instrument, and described bill password is corresponding with described note number;

Customer database, the fund information that is used to store bank client;

The bill cryptographic libraries is used for storage and the corresponding bill encrypted message of note number;

Examination limit storehouse is used to store the limit information with the corresponding examination amount of money of note number;

The client identity authenticate device is used for bank client is carried out authentication;

Password authentication device is used for bill data, the bill password that receives according to information receiver and is stored in the bill encrypted message of bill cryptographic libraries, and whether the bill password that the authorization information receiving trap receives is correct;

The limit comparison means is used for according to the examination limit information that is stored in examination limit storehouse, judges whether the amount of the instrument that information receiver receives has surpassed the examination limit; With

Whether correct the information return mechanism be used for, the amount of the instrument to drawee's surrender of bills password and whether surpass the information that can fund under examination limit and the account No. cash this bill.

In above-mentioned system, can also comprise drawee's communicator, the drawee sends bill data and bill password by this device to bank, and receives the information of returning from bank by this device.

In above-mentioned system, can also comprise check drawer's communicator, be used for communicating, after the client identity authenticate device of bank is confirmed identity, bill password relevant with the check drawer and the examination limit of checking in the limit storehouse in the bill cryptographic libraries can be set with bank.

In above-mentioned system, the bank aspect can also comprise that the fund button converts device, be used for, the limit comparison means decides bill amount of money correct and surpass examination limit and the available funds under the account No. that information receiver receives when sufficient, withhold or cash operation according to amount of the instrument execution fund at password authentication device checking bill password.

In above-mentioned system, the bank aspect can also comprise that bill reports the loss the record storehouse, is used to store the note number of reporting the loss that bank client registers after authentication.

Below in conjunction with accompanying drawing the preferred embodiments of the present invention are described.

Fig. 1 is the synoptic diagram of bill checking system of the present invention.

As shown in Figure 1, the bill checking system of the preferred embodiment of the present invention is made of the device of check drawer's (bank client of paying with bill), drawee and bank three aspects.Check drawer and drawee aspect have a communicator 1,2 respectively, for example can be phone or the terminals that communicates by telephone wire or computer network and bank.The device of bank aspect comprises: communicator 3a for example can be a phonecard, is used for communicating with check drawer's communicator 1 and drawee's communicator 2; Customer database 3b has wherein stored the amount of the fund and the fund button of each bank client and has converted record; Bill cryptographic libraries 3c has wherein stored and the corresponding bill encrypted message of note number; Examination limit storehouse 3d has wherein stored and the corresponding bill examination of note number limit information; Bill is reported the loss record storehouse 3i, is used to store the note number of reporting the loss that bank client registers after authentication; Password authentication device 3e; Limit comparison means 3f; The fund button is converted device 3g; And client identity authenticate device 3h.

Each bank client from bank obtain a main password, note-book and with the corresponding bill code dictionary of note number, wherein this main password is as the basis of bank client authentication.For the safety of guarantee information, bank can take one-way function to encrypt the back storage to this client identity authentication password and bill password.Bank client can be revised bill password among the bill cryptographic libraries 3c by communicator 1 after client identity authenticate device 3h verifies main password.

When bank client (check drawer) uses bill to pay, at first fill in bill data according to existing regulation, comprise enabling time, Routing Number, account No., note number and the amount of the instrument.Enclose bill password simultaneously corresponding to note number.Then, by checking limit accordingly with this note number among the communicator 1 setting examination limit storehouse 3d.Certainly, the check drawer can preestablish a unified examination limit, has only when the bill amount of money examination limit unified greater than this or when the bill amount of money examination limit unified less than this and check drawer think and just revises examination limit among the examination limit storehouse 3d in case of necessity by communicator 1.

The check drawer will offer the drawee with the bill of password.The drawee dials the enquiry number of bank by communicator 2, connects the back according to bill data and bill passwords such as prompting input account No., note number and the amounts of the instrument.

After bank correspondence device 3a receives bill data and password, provide it to bill password verification device 3e, limit comparison means 3f and fund button and convert device 3g.

Bill password verification device 3e verifies the bill password according to the encrypted message that is stored among the bill cryptographic libraries 3c, and will represent whether correct information offers communicator 3a to this password.

When this password was correct, limit comparison means 3f judged according to the examination limit information that is stored among the examination limit storehouse 3d whether the amount of the instrument that the drawee provides has surpassed its examination limit, and judged result is offered communicator 3a.

If the amount of the instrument surpasses its examination limit, the fund button is converted device 3g and retrieve amount of the fund, fund button under check drawer's account number convert and write down and report the loss record in customer database 3b.If this bill is not reported the loss and check drawer's account number under the abundance of capital, then the fund button is converted device 3g according to the operation of withholding of amount of the instrument execution fund, promptly temporarily freeze this part fund under check drawer's account number, have only the drawee could remove and withhold and cash this fund with bill.In more advanced system, if the available funds abundance under check drawer's account number, the fund button is converted device 3g and directly the allocation of the funds corresponding to the amount of the instrument under check drawer's account number is arrived under drawee's the account number.

At last, bank correspondence device 3a returns necessary information to drawee's communicator 2, whether whether encrypted code effectively, whether the amount of the instrument surpass whether examination limit, this bill report the loss, have enough funds and bank to withhold for the drawee under the account number of this bill or cashed fund as this bill, or the like, preferably also return an expression bank and promise to undertake the digital signature of having withheld or having cashed fund to drawee's communicator 2.

When needing statement to cancel for some reason, as the correct bill of password and seal may be because of carelessness, theft or plunder and lose, the check drawer can pass through phone immediately, applies for reporting the loss to bank with the main password that bank provides.Before application was reported the loss, if there is the people to do shopping with this bill, obviously loss should be responsible for by the check drawer.At bank client by phone after bank application is reported the loss, when having this bill of human to do shopping, by finding that to bank's examination this bill for reporting the loss bill, has very big fright effect to the offender.If not to bank's examination, then be responsible for by the drawee fully by loss by phone for the drawee.Owing to the drawee mostly carries out the bill examination by phone,, handle the bill loss by legal procedure again and get final product so only need notify the bank of deposit for losing bill.

Bill checking system of the present invention make the drawee can by communicator from bank obtain this bill whether encrypt effectively, whether reported the loss and check drawer's account number under whether enough information such as fund are arranged, prevented that the check drawer from utilizing fake bill, reporting the loss bill or accommodation bill is swindled.In addition, withhold for drawee's execution fund or cash operation because native system has taked the fund button to convert device, prevented the check drawer behind pay bills again occupied fund cause it to be not enough to cash bill, perhaps under the situation of bank dishonor (for example the bill that provides of check drawer itself is illegal, and its password is correct) is provided the malice because of the check drawer, can make status that the drawee has the initiative so that take legal means to ensure the rights and interests of oneself.

On the other hand, because bill checking system of the present invention is provided with examination limit storehouse, define the dollar amount that the drawee can check, make it can't learn the precise information of the balance of deposits under its information that should not learn, for example check drawer account number, guaranteed check drawer's interests.

Therefore, the legitimacy that bill paying system of the present invention makes the drawee just can check bill when receiving bill under the prerequisite that guarantees check drawer's information security has improved the prestige of bill, has brought convenience to both sides.

Claims

1, a kind of bill checking system comprises the bank aspect:

Customer database, the fund information that is used to store bank client;

2, according to the system of claim 1, it is characterized in that, also comprise drawee's communicator, the drawee sends bill data and bill password by this device to bank, and receives the information of returning from bank by this device.

3, according to the system of claim 2, it is characterized in that, also comprise check drawer's communicator, be used for communicating with bank, after the client identity authenticate device of bank is confirmed identity, can be provided with or revise bill password relevant in the bill cryptographic libraries and the examination limit in the examination limit storehouse with the note number check drawer.

4, according to claim 1,2 or 3 system, it is characterized in that, the bank aspect comprises that also the fund button converts device, be used for, the limit comparison means decides bill amount of money correct and surpass examination limit and the available funds under the account No. that information receiver receives when sufficient, withhold or cash operation according to amount of the instrument execution fund at password authentication device checking bill password.

According to claim 1,2 or 3 system, it is characterized in that 5, the bank aspect comprises that also bill reports the loss the record storehouse, be used to store the note number of reporting the loss that bank client registers after authentication.

According to the system of claim 2 or 3, it is characterized in that 6, communicating by letter between bank and drawee and/or the check drawer realizes by telephone network.

According to the system of claim 2 or 3, it is characterized in that 7, communicating by letter between bank and drawee and/or the check drawer realizes by computer network.

According to claim 1,2 or 3 system, it is characterized in that 8, the client identity authenticate device of bank adopts bank and bank client to own the password of a basis that authenticates as this client identity together.

9, system according to Claim 8 is characterized in that, this password as the basis of client identity authentication can be made amendment by the client of authentication.

10, system according to Claim 8 is characterized in that, the client identity authentication password that bank has is to encrypt the back storage through one-way function.

According to claim 1,2 or 3 system, it is characterized in that 11, the bill password in the bill cryptographic libraries of bank is encrypted the back storage through one-way function.

According to the system of claim 3, it is characterized in that 12, the client identity authenticate device of bank takes the mode of callback client communication device to add the security of strong identity authentication.

According to the system of claim 2 or 3, it is characterized in that 13, the information that the drawee sends to bank by communicator also comprises drawee's information.

According to the system of claim 12, it is characterized in that 14, described drawee's information is drawee's account No..

According to claim 1,2 or 3 system, it is characterized in that 15, the information that the information return mechanism of bank returns to the drawee comprises that also the check drawer promises to undertake the statement that button is converted.