CN1313577A - Method for authorized payment of check - Google Patents
Method for authorized payment of check Download PDFInfo
- Publication number
- CN1313577A CN1313577A CN 00104404 CN00104404A CN1313577A CN 1313577 A CN1313577 A CN 1313577A CN 00104404 CN00104404 CN 00104404 CN 00104404 A CN00104404 A CN 00104404A CN 1313577 A CN1313577 A CN 1313577A
- Authority
- CN
- China
- Prior art keywords
- check
- payment
- data storehouse
- center
- password
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
A method for authorized payment of check includes such steps as creating central payment database, storing the payment number and cipher of check provider in the central payment database, putting the number and money of a check to said central payment database by check provider via its payment number and cipher. When the check owner requests payment for the check, the bank can search the central payment database for finding out the information about the check to determine if the check is true. Its advantages include high safety, reliability and efficiency.
Description
The present invention relates to a kind of method of carrying out Secure Payments with check.
Existing payment of cheque process is generally: leave check by the check drawer, the bearer gives bank with check, after the seal confirmation of bank with the finance seal on the check, legal representative's chapter and retention, pays the bill to the bearer.This mode has certain wrong effect of paying and swindling that prevents, but also exists significantly not enough.Because it is very careful to check the seal requirement, do not note slightly, just may allow the swindler get by under false pretences, then be difficult to distinguish the true from the false for copying the seal that false chapter covered that can mix the spurious with the genuine.Because this reason, the case of utilizing check to swindle happens occasionally.
In order to prevent the wrong generation of paying or swindling of check, the bank that has has taked certain anti-false measure, as every check being given the password of a correspondence, the check drawer is when leaving check, the pairing password of this check is write on the check, whether during banker's payment, it is corresponding with password to check cheque number earlier, and whether decision pays the bill again.This measure has the effect that the mistake of preventing is preferably paid, but its deficiency is also arranged, at first, because when printing check, to print corresponding password simultaneously, and the corresponding relation of cheque number and password will be stored in check drawer and bank respectively, increase many workloads like this; Secondly, because every corresponding password of check, the quantity of password is quite a lot of, can not remember with brain, and the check drawer must preserve at the place carrier of password, if check and password are simultaneously stolen, then password has just been lost the function of anti-vacation.
The objective of the invention is: a kind of authority to pay method of check is provided, have check cash safe and reliable, the efficient that operates advantages of higher.
The objective of the invention is to be achieved through the following technical solutions: a kind of authority to pay method of check, it is characterized in that, comprise the steps:
A, set up payment data storehouse, center, this payment data storehouse, center links with check drawer and paying bank with telephone wire (or internet);
B, set up the charges here number and it is stored in the payment data storehouse, described center, and decide in its sole discretion according to certain rule and the pairing password of the number of paying the bill, and password is input in the payment data storehouse, center by the check drawer;
C, when the check drawer leaves a check, simultaneously, with phone (or networking computer), and by payment number and pairing password thereof, with authority to pay information such as cheque number and payment input payment data storehouse, center;
D, as bearer during to the paying bank claim for payment, in phone (or computer of networking) the payment data storehouse, Help Center whether the authority to pay information of check drawer to the contained content of this check is arranged, whether decision pays the bill again earlier in paying bank.
The authority to pay method of aforesaid check of the present invention, a check drawer has only a payment cipher to a paying bank, be convenient to memory and secret, steal the people of check (even stealing relevant seal simultaneously), owing to do not know password, can't import payment information to payment data storehouse, center, thereby can't money be taken away from paying bank.The check of forging just more can't be succeeded.This compares with classic method, and the security of payment greatly improves.Since authority to pay information assign and inquiry realizes by phone (or network), thereby work efficiency greatly improves.
Below in conjunction with drawings and Examples the inventive method is described in further detail.
Fig. 1 is the block diagram of an exemplary embodiments of the present invention.
The embodiment of the invention as shown in Figure 1, form with voice inquiry system, specific implementation a kind of authority to pay method of check, this system gives the concrete scheme of revising password simultaneously, this system also has functions such as checking seal, inquiry unit and inquiry seal simultaneously.
Among the embodiment shown in Figure 1, the payment number is 17 seal verification sign indicating numbers, and password is and 17 corresponding payment ciphers of seal verification sign indicating number.According to voice suggestion, dial earlier No. 5 keys and select " check authority to pay ", then import 17 seal verification sign indicating numbers, after voice system is quoted seal verification sign indicating number, if correct, press the # key and confirm, if incorrect, by re-entering behind the * key, after the input of seal verification sign indicating number was correct, the input payment cipher was after the payment cipher input is correct, the input cheque number, after cheque number was confirmed, the input payment was after payment is confirmed, can on-hook finish input, also can import next check authority to pay information by the # key.
Payment number in the inventive method can be illustrated in figure 1 as the verification sign indicating number of check drawer's seal (comprising stamp for financial affairs and other kinds seal), promptly repeat by the unified nothing of checking and approving of public security department with constituent parts seal code one to one, also can be the open an account account number of check drawer in paying bank.
According to embodiment shown in Figure 1, the process of checking seal password is as follows: according to voice suggestion, dial earlier No. 1 key and select " checking seal ", then import 17 seal verification sign indicating numbers, after voice system is quoted seal verification sign indicating number, if correct, press the # key and confirm, if incorrect, by re-entering behind the * key, after the input of seal verification sign indicating number is correct, import 6 authentication passwords, system can tell password correct or mistake.
According to embodiment shown in Figure 1, the process of revising the seal authentication password is as follows: according to voice suggestion, dial earlier No. 4 keys and select " revising the seal authentication password ", then import 17 seal verification sign indicating numbers, after voice system is quoted seal verification sign indicating number, if correct, pressing the # key confirms, if incorrect, by re-entering behind the * key, after the input of seal verification sign indicating number is correct, import former 6 authentication passwords, if password is correct, 6 new passwords of system prompt input, and prompting repeats input once, if twice input is identical, then the seal password is revised and is finished, if twice input difference, system prompt re-enters.
Payment data storehouse, center among the present invention is a voice inquiry system.
According to the inventive method,, can revise password behind payment data storehouse, center input original password.Password can be made up of numeral and English alphabet.
According to the present invention, the networking between check drawer and paying bank and the payment data storehouse, center can be wired mode, also can be wireless mode.
Claims (7)
1, a kind of authority to pay method of check is characterized in that, comprises the steps:
A, set up payment data storehouse, center, this payment data storehouse, center links with check drawer and paying bank with telephone wire (or internet);
B, set up the charges here number and it is stored in the payment data storehouse, described center, and decide in its sole discretion according to certain rule and the pairing password of the number of paying the bill, and password is input in the payment data storehouse, center by the check drawer;
C, when the check drawer leaves a check, simultaneously, with phone (or networking computer), and by payment number and pairing password thereof, with authority to pay information such as cheque number and payment input payment data storehouse, center;
D, as bearer during to the paying bank claim for payment, in phone (or computer of networking) the payment data storehouse, Help Center whether the authority to pay information of check drawer to the contained content of this check is arranged, whether decision pays the bill again earlier in paying bank.
2, method according to claim 1 is characterized in that, described payment number can be the open an account account number of check drawer in paying bank.
3, method according to claim 1 is characterized in that, described payment number can be the verification sign indicating number of check drawer's finance seal, promptly repeat by the unified nothing of checking and approving of public security department with constituent parts finance seal code one to one.
4, method according to claim 1 is characterized in that, payment data storehouse, described center is a voice inquiry system.
5, method according to claim 1 is characterized in that, behind payment data storehouse, center input original password, can revise password.
6, method according to claim 1 is characterized in that, described password can be made up of numeral and English alphabet.
7, method according to claim 1 is characterized in that, the networking between check drawer and paying bank and the payment data storehouse, center can be wired mode, also can be wireless mode.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00104404 CN1123853C (en) | 2000-03-15 | 2000-03-15 | Method for authorized payment of check |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00104404 CN1123853C (en) | 2000-03-15 | 2000-03-15 | Method for authorized payment of check |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1313577A true CN1313577A (en) | 2001-09-19 |
| CN1123853C CN1123853C (en) | 2003-10-08 |
Family
ID=4577294
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 00104404 Expired - Fee Related CN1123853C (en) | 2000-03-15 | 2000-03-15 | Method for authorized payment of check |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1123853C (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100361166C (en) * | 2005-10-24 | 2008-01-09 | 金金水 | Check circle deposit system and method |
-
2000
- 2000-03-15 CN CN 00104404 patent/CN1123853C/en not_active Expired - Fee Related
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100361166C (en) * | 2005-10-24 | 2008-01-09 | 金金水 | Check circle deposit system and method |
Also Published As
| Publication number | Publication date |
|---|---|
| CN1123853C (en) | 2003-10-08 |
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