CN201638306U - Financial note safety transmission system device - Google Patents

Abstract

The utility model relates to a financial note safety transmission system device, comprising a note encryption overprinting device arranged at the note user position, a note automatic entry device arranged at the place where the note is received and a note automatic identification device arranged at the banking note settlement center; the note encryption overprinting device, the note automatic entry device and the note automatic identification device are connected wirelessly or in a wiring way, the functions of the note such as encryption anti-counterfeiting, automatic generation, automatic identification and automatic processing and the like can be ensured to realize by the matching of the note encryption overprinting device, the note automatic entry device and the note automatic identification device; the utility model provides the financial note safety transmission system device which is rapid and convenient and has high accuracy, and has anti-counterfeiting function based on paying password and Chinese-sensible code.

Description

Financial document safety transfer system device

Technical field

The utility model relates to a kind of financial document safety transfer system device.

Background technology

The active means of payment safely and efficiently that have benefited from of Global finance activity, this wherein, the effect of check is performed meritorious deeds never to be obliterated, it is easy to carry, and have functions such as authorizing afterthought, in check instrument system, occupy consequence, become one of cashless payment instrument that China the most generally uses.In recent years, though novel means of payment development such as E-Payment rapidly, check is still important credit payment instrument.According to statistics, be 11.7 hundred million in the year amount of signing and issuing of China's check in 2006, the amount of money reaches 208 trillion yuan, and along with the progressively foundation of the sincere system of China enterprises and individuals and perfect, the use of check must be popularized large tracts of land.To the end of the year in 2006, People's Bank of China began in Beijing, Tianjin, Shanghai, Guangdong, Hebei, Shenzhen Liu Sheng (city) pilot operation check image exchange system.The check that enterprises and institutions and resident individual sign and issue between six provinces (city) can intercommunication uses, and check also finally can " whole nation of walking ".With check image exchange system is support, and the universal use of check is subjected to promoting energetically in scientific-technical progress again.But, financial documents such as check also are accompanied by the existence of some problems in being extensive use of, the one, safety problem: the discriminating of traditional bill is according to mainly being the comparison seal, the technology height prosperity and current scanline, computer carve a seal etc., the possibility that seal is forged, alters is very big, and bank also is difficult to distinguish.Therefore, financial document swindle case is beaten without cease repeatly.According to incompletely statistics, the fund of losing because of the bill swindle domestic every year reaches four or five ten hundred million.The 2nd, efficiency: check image exchange system has been realized the quick transmission of check image, the operational support of payment cipher the safety of bill, but when drawing a cheque, enterprises and institutions and resident individual need manual copying, billing information needs manual typing and artificial cognition in the various commercial banking system, because artificial the label write, the meeting lack of standardization, unclear of writing bring the difficulty of many identifications for the operating personnel of bank, and the check of bill seal is more needed to waste many times.If signatures differ, words and figures differ, indistinct writing or clerical error etc., all will cause returning ticket.

The utility model content

The technical problems to be solved in the utility model is: provide a kind of quick and easy, accuracy is high and have anti-fraud functional financial document safety transfer system device based on payment cipher and Chinese letter co.

In order to overcome the defective that exists in the background technology, the technical scheme that its technical matters that solves the utility model adopts is: a kind of financial document safety transfer system device, comprise the bill encryption cover printing device that is arranged on bill user place, be arranged on the bill automatic input device of accepting the bill place and the bill automatic identification device that is arranged on bank money settlement center, described bill is encrypted the cover printing device, the bill automatic input device is connected by wired or wireless with the bill automatic identification device, and described bill is encrypted the cover printing device and comprised payment cipher, the computing machine and the printing device of band Chinese letter co generator program; Described bill automatic input device comprises the computing machine of image recording device and band image processing program and Chinese letter co decoding program; Described bill automatic identification device comprises that the integrated circuit board that is used for the payment cipher veritification is used to store the database of customer information and the computing machine of papers evaluator with having.

The computing machine of described band Chinese letter co generator program generates Chinese letter co according to payment cipher and the face of instrument information that payment cipher generates.

Described printing device is imprinted on Chinese letter co that generates and ticket information on the blank bill by agreement form cover.

A kind of financial document that uses financial document safety transfer system device to print is printed the Chinese letter co of the ticket information generation of with good grounds payment cipher and this bill on the nominal value of described financial document.

Beneficial effect: (one), the anti-tamper scheme of bill anti-counterfeit of the present utility model have adopted the People's Bank of China and the national password council to unite the cryptographic algorithm chip of promulgation, have higher security.This bill encipherment scheme by People's Bank of China and the national password council by strict title examination, final definite domestic 18 tame manufacturers have the qualification of production and selling payment coding system and facility, the system of all these manufacturers produce and product adopt unified technical manual, realize compatible technically, therefore adopt the bill encipherment scheme of payment cipher to have the whole nation system property used, compare other encipherment schemes, set up good application foundation in China, be convenient to popularize.(2), described bill automatic identification icon---the technical standard of Chinese letter co also becomes national standard, have extremely strong antipollution, anti-distortion recognition ability, recognition speed is fast, information capacity is big, the density height, advantage such as error correcting capability is strong, and figure is attractive in appearance is also supported encryption technology.The logistics environment causes stained to symbol, recognition angle out of plumb, lens curved surface distortion, the uneven use that can not influence Chinese letter co of the article surface that pastes.Adopt the automatic identifying schemes of bill of Chinese letter co, increase the cost that expense only is a printing ink, can be rated as the technology of " zero cost ".(3), less based on the required information capacity of the automatic identifying schemes of the bill anti-counterfeit of payment cipher and Chinese letter co, transmission speed is fast, even its response speed also can practical requirement under bill is managed business very busy situation.(4), system also provides special-purpose print routine for the bill printing person, this program can allow the bill user with the amount of money, amount in Chinese character, bill purposes etc. according to the format print of specifying bill on bill, form payment cipher and the Chinese letter co that is associated with billing information simultaneously, together be printed on the bill convenient when the user uses like this, safety.(5), no matter to be enterprises end or bank end, at issue of bill with accept in the process operation each time and all carried out the line production registration, this writes down unsuppressible-suppression, and the person in charge can consult at any time.(6), the clearing center of oneself can be set up in national large scale business such as the National Industrial and Commercial Bank of China, the Agricutural Bank of China, China Construction Bank, Bank of China, Bank of Communications bank, focus on one's own profession and stride ground clearing business, needn't pass through the People's Bank clearing center again.The bill of inter-bank bill or some region financial institutions distribution is still by the People's Bank's clearing center clearing, by native system user all parts of the country consumption that takes ticket easily.(7), the generation except that payment cipher in the total system device must be the specialized equipment with veritifying, the available general laser printer of other printing as bill; The image recording device of bill can be general bar-code scanner or camera; The Word message input equipment is a keyboard.Can reduce user's acquisition cost greatly like this, make things convenient for the user to purchase use.

Description of drawings

Below in conjunction with drawings and Examples the utility model is further specified.

Fig. 1 is the process flow diagram that the two-dimensional bar code Chinese letter co generates;

Fig. 2 is the process flow diagram of Chinese letter co recognition;

Fig. 3 is a structured flowchart of the present utility model.

Embodiment

A kind of financial document safety transfer system device as shown in Figure 3 comprises that bill encrypts the cover printing device, bill automatic input device and bill automatic identification device, between these three devices by wired or wireless connection.Bill is encrypted the cover printing device and is arranged on bill user place, can be made up of ticket payment scrambler, the generation of band Chinese letter co and the computing machine of print routine and the printing device that is attached thereto; Also can be the integral and intelligent equipment of band payment cipher, Chinese letter co generation and printing function.The bill automatic input device is arranged on bank outlets, market, supermarket, various ticket office, cash desk or other may accept the place of bill, can be made up of the computing machine of image recording device, band image processing program and Chinese letter co decoding program; Also can be the integral and intelligent equipment that possesses image typing, Flame Image Process, Chinese letter co decoding function.The bill automatic identification device is arranged on bank money settlement center, being made up of built-in integrated circuit board that is used for the ticket payment password authentification and the authenticating computer that has the papers evaluator and be used to store the database of important information such as customer account number key, also can be to possess that the ticket payment password is veritified, papers is differentiated and the integral and intelligent equipment of storage customer information function.Thereby bill is encrypted and is provided with in the cover printing device with payment cipher and face of instrument information serves as to import the coded program product that data generate the two-dimensional bar code Chinese letter co that is associated with the input data, and according to payment cipher, thereby the print driver product of the Chinese letter co of face of instrument information and generation agreement bill chromatography form, thereby the computing machine of band Chinese letter co generator program generates Chinese letter co according to payment cipher and the face of instrument information that payment cipher generates, printing device is imprinted on Chinese letter co that generates and ticket information on the blank bill by agreement form cover, so print the Chinese letter co that the ticket information of with good grounds payment cipher and this bill generates on the nominal value of financial document

Financial document safety transfer system device of the present utility model is incorporated into two high-tech technology in the use of financial document, the one, the payment cipher technology, realize the security function such as effectively false proof, anti-tamper of financial document, the 2nd, the Chinese letter co technology realizes that bank outlets' billing information is discerned automatically, automatic input function.Guarantee that financial document uses safely and efficiently, create good social benefit.

Payment cipher can be assisted the electronic signature that realizes check: along with the development of electric network, what the electronic information field discussion was more is the security that how to solve network data, but, safe major part as the bill of manual delivery such as check depends on technology such as anti-counterfeit printing, realize that the higher and tamper-resistance of cost a little less than.Research of the present utility model is based on the legal status that the law of electronic signature that came into effect on April 1st, 2005 has been established electronic signature, combination with payment cipher and Chinese letter co can generate complete electronic signature, effective guarantee can be provided for the safe transfer of financial document, prevent and resist the financial document crime.

The Chinese letter co The Application of Technology can solve the automatic recognition problem with independent intellectual property right of bill: two-dimensional bar code is a kind of coding techniques based on optics recognition image, as a kind of new information stores and transmission technology, it is big to have memory space, the cost performance height, advantages such as data acquisition and recognition are convenient, this technology relates to light, machine, electricity and printing, information security, technical fields such as sign, it just is subjected to international community's extensive concern in being born, be applied in national defence at present, public safety, communications and transportation, health care, industry, commercial, finance, a plurality of fields such as customs and governability.Use in the market that this series products of Japan and Korea S market is existing very ripe.But in the past few years, the standard of domestic two-dimensional bar code all stems from external technology in the past, does not have the independent intellectual property right of China, and for example the QR sign indicating number etc. of the PDF417 sign indicating number of the U.S., Japan is the standard of China by the approval of Chinese Industrial Standards (CIS) committee.These external two-dimensional bar codes are not for Chinese character carries out special design optimization, and are lower to the code efficiency of Chinese character.The core technology of relevant device is all grasped in foreign vendor's hand; what sell at home also is the product of agency of foreign vendor or assembling mostly; production cost costliness not only; strict patent protection has more caused domestic two-dimensional bar code recognizing apparatus to cost an arm and a leg, and has certain hidden danger on information security.And the Chinese letter co standard be China first have the two-dimensional bar code code system standard of independent intellectual property right, it will be to improving the application level of 2D bar code technology, the application of widening 2D bar code technology plays an important role.The carrier that the utility model adopts Chinese letter co to transmit as information, the not only error that can effectively avoid artificial input to occur, and can improve the efficient of information typing greatly.Achievement in research of the present utility model can be extended to use bills such as the tax, finance, post and telecommunications and to the false proof field that has higher requirements, will bring great social benefit and high economic benefit.

The key technical problem that the utility model solves: (one), payment cipher generate: adopt the ticket information generation payment cipher of the cryptographic algorithm chip of the close committee of state promulgation with financial document.(2), the two-dimensional bar code Chinese letter co generates: the process flow diagram that two-dimensional bar code Chinese letter co as shown in Figure 1 generates, the cataloged procedure of Chinese letter co are divided into data analysis and pattern indication, digital coding, Error Correction of Coding, data bit stream structure, sign indicating number figure placement, mask, function information are placed 7 steps.The coding mode of the account number of bill, kind, date, number, the amount of money, payment cipher adopts the Text1 pattern; Organization adopts GB18030 double byte district coding mode, and the version levels of bill Chinese letter co is 12.The Reed-Solomon error correction algorithm is adopted in Chinese letter co error correction to bill, and error-correction level adopts L2, and the error correction code word is that information code word polynomial expression m (x) multiply by x ^2tThe remainder that back and g (x) are divided by and obtain, i.e. r (x)=m (x) x ^2tMod g (x), the high-order term coefficient of remainder is first error correction code word, low order term system number is last error correction code word.Before in each deblocking the information codeword sequence being come, after the error correction codeword sequence came, both arranged in this order and obtain data bit stream.Sign indicating number figure places and is divided into the placement of functional graphic and two steps of arranging of data, the placement of functional graphic mainly comprises the placement of view finding figure, view finding figure marker space and correction graph, the process that data are arranged is at first forming the code word data sequence to the data bit stream by 8 bytes, divide one group mode to divide into groups according to 13 code words again, successively the code word of the same position of each group is coupled together afterwards and form new Codeword Sets, each Codeword Sets is in turn connected to form codeword sequence to be arranged.At last according to the corresponding dark module of binary one, the corresponding light module of Binary Zero, by from top to bottom, codeword sequence that from left to right line by line will be to be arranged is placed among the sign indicating number figure of Chinese letter co.For avoiding in the information encoding region territory, occurring 1: 1: 1: 1: 3 or 3: 1: 1: 1 feature ratio, and make the depth module number ratio in the Chinese letter co symbol be tending towards 1: 1, take the Chinese letter co symbol is carried out the mask process of front and back correspondence position XOR computing.The function information of Chinese letter co comprises: version, error-correction level, mask scheme, use 8,2,2 binary representations respectively, add the RS error correcting code on the GF (24), amount to 34 information, be placed on respectively on four angles of Chinese letter co in counterclockwise mode according to 1 corresponding dark module, 0 corresponding light module.The error correction of Chinese letter co has four grades, and corresponding 4 kinds of error correction capability see the following form:

Error-correction level	L1	L2	L3	L4
					Error correction capability %	8	15	23	30
The error-correction level coding	00	01	10	11

(3), bill printing: the cover of finishing ticket information, payment cipher, Chinese letter co at PC end exploitation private print drive software is beaten.(4), Chinese letter co recognition: the process flow diagram of Chinese letter co recognition as shown in Figure 2, the decoding of Chinese letter co is the inverse process of coding, and this process comprises visual pre-service, symbol view finding and symbol location, function information decoding, sets up sampling grid, restore data codeword sequence, removes mask, error-correcting decoding, 8 processes of decoding of information.The image pre-service is that image is converted into gray level image, and the intermediate value of choosing gray level image reflectivity maximal value and minimum value is as global threshold, and uses this threshold value that image is converted into the bianry image that a series of dark colors and light pixel are formed.Symbol view finding and symbol location are to seek the view finding figure in bianry image, determine character position and direction.Function information decoding then is in function information district abstraction function information, determines version, error-correction level and the mask scheme of symbol.Setting up the sampling grid is according to symbol version and out of Memory, sets up grid, and Chinese letter co is taken a sample.The restore data codeword sequence then is according to the data arranging rule, the restore data codeword sequence.Removing mask is with mask graph the module of code area to be carried out XOR to handle, and removes mask.Error-correcting decoding is used for the data codeword sequence is carried out error-detecting, carries out correction process when finding mistake.Decoding of information is that the information codeword sequence is carried out decoding of information, recovers raw information.After above 8 steps, the output result finishes decode procedure.(5), payment cipher is veritified: the ticket information of the veritification algorithm chip inspection financial document of the close committee of employing state promulgation and the consistance of payment cipher are to differentiate papers.

The using method of native system is as follows:

(1) user's tape unit finance prove when bank handles the request for utilization of financial document safety transfer system device, need purchase system device specialized equipment (being payment cipher) and software kit product, and our unit's accounts of finance of enabling financial document safety transfer system device are opened in registration.

(2) bank is when the user provides payment cipher, to hold the payment cipher that this unit of registration buys in the automatic identification processing system of financial document in bank, the accounts of finance of opening payment cipher are added in the payment cipher, and required key downloads in the payment cipher when meanwhile also this account being generated payment cipher.

(3) user disposes hardware devices such as computing machine, printer according to the requirement of financial document safety transfer system device, financial document safety transfer system device users end software product is installed in computing machine, computing machine, printer and the payment cipher of being with the Chinese letter co generator program is coupled together be built into user side bill encryption cover printing device.

(4) encrypt the energising of cover printing device for the bill of financial document safety transfer system device users end, move financial document safety transfer system device users end software product, related personnel's rights of using and operation password is set.The main operating personnel of financial document safety transfer system device users end are the cashier normally, the work of signing and issuing of bill is is mainly received and paid out and is finished, so enterprise administrator must pay attention to the cashier is used the management work of the authority of financial document safety transfer system device, the amount of money upper limit that set the spendable account of each cashier, the bill kind that can sign and issue, can sign and issue.

(5) when cashier's issuance of a note, the empirical tests of need entering password by after the system operation of being allowed for access, under good operation interface guiding, select or the account number of the class of business of the current required bill of signing and issuing of typing, bill, bill number, the amount of money, user's data such as name in an account book.Send into the cryptographic algorithm chip after the data typing finishes and carry out cryptographic calculation, produce data bits be no less than 16 by 0 ~ 9 payment cipher of forming, on this basis again by the Chinese letter co coded program generation Chinese letter co relevant with bill data and payment cipher, point out then and in printer, put into blank check, bill data, payment cipher, Chinese letter co are beaten on check by the form cover of agreement, and the unit's of adding a cover finance seal is signed and issued work and just can be finished after the financial executive checks signature.

(6) bank's end system device of financial document safety transfer system device is divided into bill automatic input device and bill automatic identification device, and two systems are linked up by bank's dedicated network, carries out data communication by the communication protocol of agreement.Total system operation operation information degree is very high, seldom needs manual intervention.

(7) after the bill signed and issued of user is submitted to bank cashier, after bank cashier preliminary inquiry seal and signature are complete, mainly be to differentiate papers by the validation of payment password.Detailed process is that the Chinese letter co on the bill is taken in the bill automatic input device through bar-code scanner or camera scanning, processing through installing built-in image processing program and Chinese letter co decoding program restores original bill data and payment cipher, again the integrated circuit board in these direct information bill automatic identification devices is veritified, payment cipher veritify by after be sent to again to have and be used to store the database of customer account information and the banking central computer of bill ta vservice handling procedure is handled, result turns back to the bill automatic input device, the bill of receiving file for reference through former bill logistics program.If payment cipher is veritified and not to be passed through, can distinguish that then this bill is the fictitious bill through altering or forging, whether bank cashier can be refused to accept, and be determined on a case-by-case basis and report to the police.

Claims (1)

1. financial document safety transfer system device, it is characterized in that: comprise the bill encryption cover printing device that is arranged on bill user place, be arranged on the bill automatic input device of accepting the bill place and the bill automatic identification device that is arranged on bank money settlement center, described bill is encrypted the cover printing device, the bill automatic input device is connected by wired or wireless with the bill automatic identification device, and described bill is encrypted computing machine and the printing device that the cover printing device comprises payment cipher, band Chinese letter co generator program; Described bill automatic input device comprises the computing machine of image recording device and band image processing program and Chinese letter co decoding program; Described bill automatic identification device comprises that the integrated circuit board that is used for the payment cipher veritification is used to store the database of customer information and the computing machine of papers evaluator with having.

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