KR101561542B1 - Complex system for discerning of a forged check and method for discerning of a forged check using the same - Google Patents

Abstract

Disclosed is a combined system for discriminating a fake check which can perform a function of discriminating a quick and perfect stitch / modulated check and can perform a print function in addition to a scan function, and a method of discriminating a fake check using the system. The combined system for discriminating fake checks and the method for distinguishing fake checks using the system can completely discriminate the up / modulated checks produced by bank-based general cashier's checks, , And it is possible to construct a database by storing the issue check as an image, thereby greatly reducing the time required for the check check and the check check procedure, reducing the check management cost, and greatly improving the work efficiency In addition, since the scanner and the printer function can be performed in addition to the identification of the position of the check by the single device, it is possible to drastically reduce the purchase cost of the business apparatus of the institution that is required to perform check payment such as the bank.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a compound system for discriminating a counterfeit check, and a method for discriminating a counterfeit check using the same. BACKGROUND OF THE INVENTION 1. Field of the Invention [

The present invention relates to a combined system for discriminating a fake check and a fake check distinguishing method using the same, and more particularly, to a method for discriminating a fake check using a bank note issued by a bank, And to a method for distinguishing fake checks using the same.

In recent years, the spread of devices such as copiers and printers has led to an increasing trend of counterfeiting counterfeit bills, documents, gift certificates, checks, etc., as well as the development of counterfeiting technology, It is difficult to distinguish between a normal bill (pneumatic) and a counterfeit bill (counterfeit).

In particular, in recent years, counterfeit checks have been produced for the money and serial numbers of ordinary cashier's checks issued by banks.

For example, in the case of the above-mentioned cashier's check, it can be divided into a fixed-amount check and a non-fixed-amount check. Here, the above-mentioned check is made of four types of checks: 100,000 won, 300,000 won, 500,000 won, and 1,000,000 won. On the other hand, the above non-fixed-amount check is a check that can be printed on a cashier's check by a bank as a checker because the amount is not printed, and is a cashier's check issued by the bank after taking a necessary amount up to the unit cost.

As described above, in the case of a counterfeit check produced by a bank, the check paper itself is not only a real check paper but also a 'hidden picture' or a 'fluorescent material' in the check itself, And the like. Therefore, there is a problem that it is very difficult to discriminate whether or not the user is falsified.

In other words, in the case of a counterfeit check discriminator generally used in banks, when discriminating whether or not counterfeit cashier's checks are falsified, a purple ultraviolet lamp is checked to determine whether the 'fluorescent substance' It is determined whether or not the fine character is correct through the magnifying glass, and it is confirmed whether the size of the check is correct or the like. Therefore, by using a cashier's check issued by the bank having all means for preventing forgery of the check, There has been a problem in that it is impossible to discriminate whether a check is forged or not if the counterfeit check is produced by modifying the money amount and the serial number.

Patent Document 1 Korean Patent Laid-Open Publication No. 2012-0117049 (Oct. 24, 2012)

An object of the present invention is to provide a combined system for discriminating a fake check, which can perform a function of discriminating a quick / perfect check / modulated check, and a method for discriminating a fake check using the system.

Another object of the present invention is to provide a combined system for discriminating a fake check that can perform a printing function in addition to a scan function, and a method for discriminating a fake check using the system.

Other objects and advantages of the present invention will become apparent to those skilled in the art from the following detailed description.

The combined system for discriminating a fake check according to an embodiment of the present invention includes a scanning unit for generating an image by scanning an issued check or a check to be paid, a character recognition unit for recognizing character information from the image of the issued check or the check to be paid, A password code conversion unit for converting the character information of the issued check recognized by the character recognition unit into a password code; a printing unit for printing the password on the issued check and outputting the printed password; And transmits the scheduled check image to the PC or the server through the communication unit to receive the encrypted code of the retrieved check corresponding to the password of the prepaid check image from the PC or the server through the communication unit, And a control unit for discriminating whether the prepaid check is up / The.

Here, the information of the issue check may include at least one of a check image, a check amount, a MICR, a bank code, an issuer, and a check number.

For example, the character information recognized by the character recognition unit may include a check amount, an MICR, a bank code, an issuer, an encryption code, and a check number.

On the other hand, the cipher code conversion unit can convert the check number, the issuing bank, the check amount, the MICR, and the bank code of the character information of the issued check recognized by the character recognition unit.

For example, any one of QR code, PDF417, DataMatrix, and MaxiCode can be used as the pass code.

In addition, the combined system for discriminating fake checks according to an embodiment of the present invention may further include a display unit for displaying information on the complex system and whether or not the prepaid check is up / modulated.

A method for discriminating a fake check using a complex system for discriminating a fake check according to an embodiment of the present invention includes the steps of forming an encryption code of the issue check using an issued check image formed by a scanning unit, Storing the issued check information in a control unit and transferring it to a PC or a server via a communication unit, storing the issued check in the control unit, printing the encrypted code of the issued check on the issued check, and forming an image of the check to be paid through the scanning unit Transferring the encrypted code of the pre-stored issuance check corresponding to the password of the prepaid check to the PC or server through the communication unit, and transmitting the password to the control unit through the communication unit; And comparing the scanned information of the image to be paid and the encrypted code of the searched check to discriminate whether or not the prepaid check is up / modulated.

For example, the step of forming an encryption code of the issue check may include generating a issued check image through the scanning unit, recognizing character information of the issued check image through a character recognition unit, And converting the character information into the cipher code through the cipher code conversion unit.

Here, the cipher code conversion unit may convert the check number, the issuing bank, the check amount, and the MICR among the character information of the check recognized by the character recognition unit into a cipher code.

Meanwhile, a method of discriminating a fake check using a combined system for discriminating a fake check according to an embodiment of the present invention includes displaying on the display unit whether the pre-paid check is up / modulated, and transmitting the fake check to a designated PC through a communication unit .

For example, the information of the issue check may include at least one of a check image, a check amount, a MICR, a bank code, an issuer, and a check number.

For example, one of the QR code, PDF417, DataMatrix, and MaxiCode can be used as the pass code.

As described above, according to an embodiment of the present invention, a complex system for discriminating a fake check and a method for distinguishing a fake check using the same can search for a cipher code of a pre-stored issued check corresponding to the cipher code of the prepaid check, And the scanned information of the image to be paid by comparing the encrypted code of the prepaid check image with the scanned information of the pre-paid check image, even if the counterfeit check is a counterfeit check produced by modifying the amount and serial number of the general cashier's check actually issued by the bank, It is possible to completely discriminate whether the prepaid check is up / modulated by not matching the code code of the stored issue check.

Therefore, the combined system for discriminating fake checks according to an embodiment of the present invention and the method for discriminating fake checks using the same can not prevent the check information from being stolen / altered, thereby preventing a payment accident of the stolen / .

In addition, according to the combined system for discriminating fake checks according to an embodiment of the present invention and a method for distinguishing fake checks using the same, it is possible to construct a database by storing issued checks as images, thereby drastically shortening the time required for checking and checking checks It can reduce check management cost and can greatly increase work efficiency.

In addition, the combined system for discriminating fake checks according to an embodiment of the present invention can perform a scanner and a printer function as well as discriminating the position of the check by using only one device. Therefore, It is possible to significantly reduce the cost of purchasing business equipment of the present invention.

The effects of the present invention will be clearly understood and understood by those skilled in the art, either through the specific details described below, or during the course of practicing the present invention.

1 is a block diagram of a complex system for discriminating a fake check according to an embodiment of the present invention;
2 is a view showing an example of a check issued by printing a password code using a composite system for discriminating a fake check according to an embodiment of the present invention
FIG. 3 is a flow chart for explaining a method for discriminating a fake check according to an embodiment of the present invention
4 is a flowchart for explaining step S110.

The present invention is capable of various modifications and various forms, and specific embodiments are illustrated in the drawings and described in detail in the text. It should be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but on the contrary, is intended to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprising" or "having ", and the like, are intended to specify the presence of stated features, integers, steps, operations, elements, parts, or combinations thereof, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.

Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning in the context of the relevant art and are to be interpreted as ideal or overly formal in meaning unless explicitly defined in the present application Do not.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings.

FIG. 1 is a block diagram of a complex system for discriminating a fake check according to an embodiment of the present invention. FIG. 2 is a schematic diagram illustrating a check system according to an exemplary embodiment of the present invention, Fig.

1 and 2, a complex system 100 for discriminating a fake check according to an exemplary embodiment of the present invention includes a scanning unit 110, a character recognition unit 120, an encryption code conversion unit 130, A control unit 140, a control unit 150, and a communication unit 160.

The scanning unit 110 may scan an issue check or a payment check to generate an image. In addition, the scanning unit 110 may scan not only the issue check and the payment check but also a bill, a resident registration card, various documents, etc. frequently handled by the bank, and generate an image. For example, the scan unit 110 can scan in a two-sided CIS system and can scan at resolutions of 200 DPI, 400 DPI, and 600 DPI, and can scan in either 24-bit True color or 8-bit Gray You can scan in color, scan up to A6 size, and scan at speeds of at least 54mm / sec. Here, the issued check image scanned by the scanning unit 110 is transmitted to the PC or the server 200 through the communication unit 160 and is stored.

The character recognition unit 120 can recognize the character information from the image of the issue check or the check to be paid. For example, the character recognition unit 120 recognizes character information such as a check amount, an MICR, a bank code, an issuer, a check number, etc. from the image of the issued check, , MICR, bank code, issuer, check number, etc., as well as a password code described later.

The encryption code conversion unit 130 may convert the character information of the issued check recognized by the character recognition unit 120 into an encryption code (CC). For example, the encryption code conversion unit 130 converts the check number, the issuing bank, the check amount, the MICR, and the bank code of the character information of the issued check recognized by the character recognition unit 120 into a secret code (CC) Can be converted. Here, the cryptographic code conversion unit 130 may convert the check number, the issuing bank, the check amount, the MICR, the bank code into the QR code, the PDF417, the DataMatrix, or the MaxiCode. Preferably, the cryptographic code conversion unit 130 may convert the check number, the issuing bank, the check amount, the MICR, the bank code into any one of the QR code and the PDF417. The encryption code (CC) of the issue check converted by the encryption code conversion unit 130 may be transferred to the PC or the server 200 via the communication unit 160 and stored.

The printing unit 140 can print the encrypted code CC on the issued check and output it. For example, the printing unit 140 may print an encryption code CC at 300 DPI in the issue check, the print speed may be 2.4 IPM, and the print width may be 1 to 65 mm.

The control unit 150 transmits the prepaid check image scanned by the scanning unit 110 to the PC or the server 200 through the communication unit 160 and transmits the issued check image stored in the PC or the server 200 From the PC or the server 200 via the communication unit 160, an encryption code (CC) of the retrieved check corresponding to the encryption code (CC) of the prepaid check image among the encryption codes (CC) It is possible to discriminate whether the prepaid check is up / modulated by comparing it with scan information of the scheduled check image.

For example, the control unit 150 may include an up / modulation determination unit 151 and an MICR reading unit 152. The above-mentioned upper / modulation discriminator 151 searches for the pass code (CC) of the pre-stored issuance check corresponding to the pass code (CC) of the image of the prepaid check scanned by the scanning unit 110, It is possible to discriminate whether the prepaid check is up / modulated by comparing with the scan information of the check image. The MICR reading unit 152 can read a check number, a bank code, a branch code, a check type, and a money amount indicated by numerals in the lower part of the check.

1, the communication unit 160 communicates with the PC 200 and transmits the information on the issue check stored in the control unit 150 and an encryption code (CC) to the PC 200 or the server 200, A database of issued checks can be constructed in the PC or the server 200. [ Here, the communication unit 160 may be connected to the PC or the server 200 through USB 2.0. Here, the information of the issue check transmitted to the PC or the server 200 together with the encryption code CC may include at least one of a check image, a check amount, an MICR, a bank code, an issuer, and a check number.

In addition, the combined system 100 for discriminating fake checks according to an embodiment of the present invention further includes a display unit 170 that can display various information of the complex system and whether or not the prepaid check is up / And may further include a transfer unit 180 for transferring a completed scan or a completed check.

In addition, the combined system 100 for discriminating fake checks according to an embodiment of the present invention may further include a forgery-and-corruption discriminating means using UV, IR, and magnetic though not shown in the figure.

Meanwhile, the composite system 100 for discriminating fake checks according to an exemplary embodiment of the present invention is mainly used to discriminate whether a check is struck or modulated as described above. However, depending on the needs of the user, A scanner for generating an image file of a resident registration card, a bill, various documents, and the like, and the printing unit 140 may be used as a printer.

A method for discriminating a fake check using a complex system for discriminating fake checks according to an embodiment of the present invention will be described with reference to FIGS. 1 to 4. FIG.

FIG. 3 is a flowchart illustrating a method for discriminating a fake check according to an embodiment of the present invention, and FIG. 4 is a flowchart for explaining step S110.

Referring to FIGS. 1 to 4, in order to discriminate whether a check is upside / downside by using a combined system 100 for discriminating a fake check according to an embodiment of the present invention, A check issued by a check issuer (not shown) is inputted and scanned into the scanning unit 110 of the composite check system 100 for a check, and then the check is issued using the issued check image formed by the scanning unit 110 And forms an encryption code (CC) of the issued check (S110).

A step S110 of forming an encryption code CC of the issue check will be described in more detail with reference to FIG.

In order to form the encryption code CC of the issue check, a check issued by a check issuer (not shown) is first input to the scan unit 110 to generate the issue check image through the scan unit 110 (S111).

After generating the issue check image, character information of the issue check image is recognized through the character recognition unit 120 (S112). For example, the character information recognized by the character recognition unit 120 may include a check amount, an MICR, a bank code, an issuer, an encryption code, and a check number.

After recognizing the character information of the issue check image, the character information of the issue check image is converted into an encryption code through the encryption code conversion unit 130 (S113). Here, the encryption code conversion unit 130 may convert the check number, the issuing bank, the check amount, and the MICR among the character information of the check recognized by the character recognition unit 120 into a cipher code. For example, the cipher code conversion unit 130 can convert the character information of the check into a cipher code (CC) of any one of a QR code, PDF417, DataMatrix, and MaxiCode. Preferably, the cipher code conversion unit 130 may convert the character information of the check into a cipher code (CC) of any one of a QR code and PDF 417.

The CC and the issued check information of the issue check are stored in the control unit 150 and the PC or the server 200 And then prints the encrypted code CC on the issued check through the printing unit 140 (S120). Here, the information of the issue check may include at least one of a check image, a check amount, a MICR, a bank code, an issuer, and a check number.

After printing the code (CC) of the issuance check on the issue check, an image of the expected payment check is formed through the scanning unit 110 and is transmitted to the PC or the server 200 via the communication unit 160 And delivers an image of the payment due check (S130).

After the image of the prepaid check is delivered to the PC or the server 200, a password (CC) of the issued check previously stored in the PC or the server 200 corresponding to the secret code (CC) And transfers it to the controller 150 through the communication unit 160 from the PC or the server 200 at step S140.

In step S150, the control unit 150 compares the scanned information on the prepaid check image with the encrypted code CC of the retrieved check to determine whether the prepaid check is up / modulated. At this time, if it is determined by the controller 150 that the scan information of the image to be paid corresponds to the encrypted code (CC) of the searched issue check, the scheduled payment check is determined to be a genuine check, And the encrypted code (CC) of the retrieved issued check are found to be inconsistent, the expected payment check is judged to be the up / modified check. At least one of the check amount, the MICR, the bank code, the issuer, the check number, and the password code may be used as the scan information of the pre-payment check image compared with the password code (CC) of the issue check searched by the controller 150 .

If the control unit 150 discriminates whether the prepaid check is up / modulated, the control unit 150 displays the result of the prepaid prepaid check on the display unit 170, and the communication unit 160 To the designated PC 200 or the server (S1160).

The combined system 100 for discriminating fake checks according to an embodiment of the present invention can be used for discriminating between whether the check is a fixed or a non-fixed check, and particularly when discriminating whether a non-checked check is up / Can be usefully used.

As described above, the combined system 100 for discriminating a fake check according to an embodiment of the present invention and the fake check distinguishing method using the same generate an image of an issue check through the scanning unit 110 before issuing a check, (CC) of the issue check is formed from the image of the issue check, and then the code is printed on the issue check and issued.

Then, when the scheduled payment check with the encrypted code (CC) is entered into the bank, the scheduled payment check is scanned through the scanning unit 110 to form an image of the prepaid check, and the password of the prepaid check (CC) of the pre-stored check corresponding to the code (CC), and comparing the scramble code (CC) of the retrieved issue check with the scan information of the pre-paid check image, The modulation can be completely discriminated.

For example, in the case of a general check, when a check is forged by modifying a bank-issued ordinary check made by a bank, the check sheet itself is a real check sheet, so all the counterfeiting prevention means such as "hidden picture" It was impossible to discriminate whether the check was falsified or not in the case of making a forged check by modifying the amount and the serial number of the cashier's check. However, the combined system 100 for discriminating a fake check according to an embodiment of the present invention and the method of distinguishing a fake check using the same may further include a password code (CC) of a pre-stored issued check corresponding to the password code (CC) And comparing the encrypted code (CC) of the retrieved issued check with the scan information of the pre-payment check image to thereby generate a counterfeit (money) produced by modifying the amount and serial number of the general cashier's check actually issued by the bank Even if a check is made, the amount of money to be altered and the serial number do not match with the code code of the pre-stored issue check, which makes it possible to perfectly discriminate whether the check to be made is modulated or not.

In addition, according to the composite system 100 for discriminating fake checks according to an embodiment of the present invention and a method for distinguishing fake checks using the same, it is possible to construct a database by storing issued checks as images, It is possible to greatly shorten the cost, reduce the management cost of the check, and greatly increase the work efficiency.

In addition, the complex system 100 for discriminating a fake check according to an embodiment of the present invention can perform a scanner and a printer function as well as discriminating the up / It is possible to significantly reduce the purchase cost of the business equipment of the organization that is providing the service.

While the present invention has been described in connection with what is presently considered to be practical and exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

(110): a scanning unit (120): a character recognition unit
(130): Encryption code conversion unit (140): Printing unit
(150): Control section (151): Up /
(152): MICR reading unit 160:
(170): Display unit (180): Transfer unit
(CC): Password code (200): PC or server

Claims (12)

A scan unit which scans the issued check or the payee check to generate an image;
A character recognition unit for recognizing the character information from the image of the issue check or the check to be paid;
A coded code conversion unit for converting the character information of the issued check recognized by the character recognition unit into a coded code;
A printing unit that prints out the password code on an issued check and outputs the printed password; And
The image forming apparatus stores the encrypted code and the issued check information of the issue check and transmits the image of the scheduled payment check scanned by the scanning unit to the PC or the server through the communication unit to display the retrieved check image corresponding to the password A password is transmitted from the PC or the server via the communication unit to the scan information of the image of the payment to be paid, so that even if at least one of the money and serial number of the check to be paid by the bank issued by the bank is modulated, And a control unit for discriminating not only the forgery of the scheduled payment check but also the tampering due to the fact that the serial number does not match the password code of the pre-stored issued check. The method according to claim 1,
Wherein the information on the issue check includes:
A system for identifying a counterfeit check comprising at least one of a check image, a check amount, an MICR, a bank code, a issuer, and a check number. The method according to claim 1,
Wherein the character information recognized by the character recognition unit includes:
A compound system for identifying fake checks, including check amounts, MICR, bank codes, issuers, encryption codes, and check numbers. The method according to claim 1,
The cryptographic code conversion unit,
Wherein the control unit converts the check number, the issuing bank, the check amount, the MICR, and the bank code in the character information of the issued check recognized by the character recognition unit into a cipher code. The method according to claim 1,
The above-
A QR code, a PDF417, a DataMatrix, and a MaxiCode. The method according to claim 1,
Further comprising a display unit capable of displaying information of the complex system and whether or not the prepaid check is up / modulated. Forming an encryption code of the issue check using the issued check image formed by the scanning unit;
Storing the encrypted code and the issued check information of the issued check in a control unit and transmitting the stored code to a PC or a server via a communication unit and storing the encrypted code and the issued check information and printing the encrypted code of the issued check on the issued check;
Forming an image of a payee check through the scanning unit and delivering the image to a PC or a server through a communication unit;
Retrieving from the PC or server an encryption code of a pre-stored issuance check corresponding to the encryption code of the prepaid check, and transmitting the encrypted code to the control unit through the communication unit; And
Comparing the scanned information of the image to be paid and the password code of the searched check to determine whether the prepaid check is forgery / alteration, and determining whether the prepaid check includes the amount of the general cashier's check issued by the bank and the serial number Even if at least one of them is modulated, the modulated amount and the serial number are not matched with the code code of the pre-stored issued check, thereby discriminating not only the forgery of the scheduled payment check but also the modulation or not. How to distinguish a check. 8. The method of claim 7,
Wherein the step of forming an encryption code of the issue check comprises:
Generating an issued check image through the scanning unit;
Recognizing character information of the issue check image through a character recognition unit; And
And converting the character information of the issued check image into an encrypted code through an encryption code conversion unit. 9. The method of claim 8,
The cryptographic code conversion unit,
Wherein the control unit converts the check number, the issuing bank, the check amount, and the MICR of the character information of the check recognized by the character recognition unit into a cipher code. 8. The method of claim 7,
After discriminating whether the payment due check is up / modulated,
Further comprising the step of displaying on the display unit whether the prepaid check is up / modulated, and transmitting the indication to the designated PC through the communication unit. 8. The method of claim 7,
Wherein the information on the issue check includes:
A method for identifying a counterfeit check using a composite system for identifying a counterfeit check comprising at least one of a check image, a check amount, an MICR, a bank code, a issuer, and a check number. 8. The method of claim 7,
The above-
A QR code, a PDF417, a DataMatrix, and a MaxiCode.

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