TWI478004B - Seal confidential check system - Google Patents

Seal confidential check system Download PDF

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TWI478004B
TWI478004B TW102135249A TW102135249A TWI478004B TW I478004 B TWI478004 B TW I478004B TW 102135249 A TW102135249 A TW 102135249A TW 102135249 A TW102135249 A TW 102135249A TW I478004 B TWI478004 B TW I478004B
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Taiwan
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seal
garbled
depositor
pattern
management
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TW102135249A
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TW201512890A (en
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Univ Chaoyang Technology
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Description

印鑑保密核對系統Seal confidential check system

本發明係關於一種印鑑比對之技術領域,具體而言係一種安全性高之印鑑保密核對系統,藉以能提升存戶印鑑比對的效率,且避免人工判讀的錯誤。The invention relates to a technical field of seal comparison, in particular to a seal security secret check system with high security, so as to improve the efficiency of the deposit check comparison and avoid the error of manual interpretation.

按,依照目前台灣的銀行作業,存戶在臨櫃領取存款時,必需攜帶存摺與開戶時的印鑑才能提領款項;且為了方便存戶跨越分行領取款項,有的銀行將印鑑圖樣登錄於存摺上,銀行並將該印鑑圖樣儲存在電腦系統中,以方便進行印鑑圖樣的核對。然而其缺點是一旦存摺失竊,則印鑑有被盜刻的可能性,再者存放於銀行的印鑑圖樣也可能因系統管理員盜用或不宵入侵者截取,造成存戶的印鑑圖樣外流,存在有極大的風險性;再者,存戶在領取款項時,需在取款單上蓋上印鑑,然後將取款單上的印鑑與存摺上或電腦系統中的印鑑圖樣進行比對,但其都需要櫃檯出納員人工目測,核對取款單的戳印印鑑,符合後才能順利取款。但這樣的臨櫃人工作業機制,可能引起下列問題:According to the current banking operations in Taiwan, when depositors collect deposits in the counter, they must carry the passbook and the seal at the time of opening the account in order to withdraw the money; and in order to facilitate the depositors to collect funds across the branches, some banks will register the seals on the passbook. The bank stores the seal pattern in a computer system to facilitate verification of the seal pattern. However, the shortcoming is that once the passbook is stolen, the seal has the possibility of being stolen, and the seal pattern stored in the bank may be intercepted by the system administrator or intercepted by the intruder, resulting in the outflow of the seal pattern of the depositor. In addition, when depositors receive the money, they need to stamp the stamp on the withdrawal slip, and then compare the seal on the withdrawal slip with the passbook or the seal pattern in the computer system, but they all need the counter teller labor. Visual inspection, check the stamp of the withdrawal slip, in order to be able to withdraw money smoothly. However, such a manual operation mechanism may cause the following problems:

一、若存摺遺失,則印鑑圖樣有可能被盜刻。1. If the passbook is lost, the seal pattern may be stolen.

二、讓系統管理員或入侵者有機會截取存戶的印鑑圖樣。Second, let the system administrator or intruder have the opportunity to intercept the depositor's signature.

三、人眼目測難免疏失,尤其圖像極相似的情形時,容易發生誤判。Third, the human eye is inevitable to be negligent, especially when the image is very similar, it is easy to misjudge.

前述問題都會讓存戶蒙受風險,其原因只有一個,就是存戶的機密資料(印鑑圖樣)並未妥善處理。換言之,如何能讓印鑑圖樣可以被進一步的隱密,使管理系統或櫃檯人員或侵入無法被不法截取,相信可以大幅提高其安全性,同時如能以電腦自動核對,更可減少人工誤判的機率,而如何達成前述要求,係銀行業者之重要課題。The above problems will cause depositors to suffer risks. The only reason for this is that the depositor's confidential information (printed pattern) has not been properly handled. In other words, how can the seal pattern be further concealed, so that the management system or counter personnel or intrusion can not be intercepted illegally, I believe that it can greatly improve its security, and if it can be automatically checked by computer, it can reduce the probability of manual misjudgment. And how to achieve the above requirements is an important issue for the bankers.

緣是,本發明人乃針對前述現有印鑑保密所面臨的問題深入探討,並藉由發明人多年從事相關產業的開發經驗積極尋求解決之道,經不斷努力之研究與發展,終於成功的創作出一種印鑑保密核對系統,藉以克服現有者處理印鑑產生的問題。The reason is that the inventor has in-depth discussion on the problems faced by the aforementioned existing seals, and actively seeks solutions through years of experience in the development of related industries. After continuous efforts in research and development, he finally succeeded in creating A seal confidentiality check system to overcome the problems caused by the existing seals.

本發明之目的即在於提供一種印鑑保密核對系統,藉以能使印鑑圖樣更為隱秘,不致被他人不法截取,大幅提高其印鑑保管的安全性,使存戶的機密資訊更加有保障。The object of the present invention is to provide a seal confidentiality checking system, so that the seal pattern can be made more secret, and it can not be intercepted by others, greatly improving the security of the seal storage, and making the depositor's confidential information more secure.

本發明之次一目的係在於提供一種印鑑保密核 對系統,其可利用電腦系統進行自動核對,能有效提升比對作業之效率,且避免人工判讀的錯誤。The second object of the present invention is to provide a seal confidentiality core For the system, it can be automatically checked by the computer system, which can effectively improve the efficiency of the comparison operation and avoid the mistake of manual interpretation.

可達成上述發明目的之印鑑保密核對系統,其包含有至少一存戶及一銀行,該印鑑保密核對系統具有一存戶註冊開戶架構及存戶臨櫃取款架構;其中:所述之存戶註冊開戶架構具有一開戶步驟、一分割步驟及一儲存步驟;該開戶步驟係由存戶至銀行臨櫃進行開戶作業,並指定一特定印鑑作為印鑑圖樣;而分割步驟則係將該印鑑圖樣分解成需一密碼才能還原之一管理亂碼圖檔及一分享亂碼圖檔;至於儲存步驟係將管理亂碼圖檔分別儲存於銀行之一經理系統及存戶之一智慧卡,另分享亂碼圖檔係儲存於銀行之一櫃檯系統;又所述之存戶臨櫃取款架構具有一密碼還原步驟、一合成步驟及一核對步驟;該密碼還原步驟係由存戶輸入密碼;而該合成步驟係令經理系統之管理亂碼圖檔與櫃檯系統之分享亂碼圖檔合成還原成一機密印鑑圖樣,並令存戶智慧卡之管理亂碼圖檔與櫃檯系統之分享亂碼圖檔合成還原成一比對印鑑圖樣;又核對步驟係將前述之機密印鑑圖樣與比對印鑑圖樣進行自動核對。The seal confidentiality checking system capable of achieving the above object of the present invention comprises at least one depositor and a bank, the seal confidentiality checking system has a depositor account opening structure and a depositor withdrawal structure; wherein: the depositor registration account opening structure has a An account opening step, a dividing step and a storing step; the account opening step is performed by the depositor to the bank cabinet, and a specific seal is designated as the seal pattern; and the dividing step is to decompose the seal pattern into a password to be restored. One manages garbled files and one garbled image file; as for the storage step, the management garbled files are stored in one of the bank's manager systems and one of the depositors' smart cards, and the other garbled files are stored in one of the bank's counter systems. And the depositor depositing and withdrawing structure has a password restoration step, a synthesizing step and a verification step; the password restoration step is a password input by the depositor; and the synthesizing step is to manage the garbled image file and the counter system of the manager system The shared garbled image file is synthesized and restored into a confidential seal pattern, and the depositor's smart card is managed. Drawing Drawing distortion and distortion shared counter synthesis systems is reduced to a comparison pattern credential; and the step of matching the lines of the pattern, and secret credential automatic alignment check pattern seal.

藉此,透過前述技術手段的具體實現,讓本發明能使存戶之印鑑圖樣被分解成數位化的一管理亂碼圖檔及一分享亂碼圖檔,且被分別儲存在不同的位置,避免印鑑 圖樣被銀行人員或外部不宵人員所截取,大幅提高其保管印鑑的安全性,使存戶的機密資訊更加有保障,同時可利用電腦系統進行機密印鑑圖樣與比對印鑑圖樣的自動核對,而能有效提升比對作業之效率,且避免人工判讀的錯誤,故本發明較現有者更具功效之增進,而能提高其附加價值。Therefore, through the specific implementation of the foregoing technical means, the present invention enables the depositor's seal pattern to be decomposed into a digitally managed garbled image file and a shared garbled image file, and stored in different positions to avoid the seal. The drawings are intercepted by bank personnel or external unscrupulous personnel, which greatly enhances the security of the custody of the custody, and makes the confidential information of the depositors more secure. At the same time, the computer system can be used to automatically check the confidential seal pattern and the comparison seal pattern. The utility model can effectively improve the efficiency of the comparison operation and avoid the error of the manual interpretation, so that the invention is more effective than the existing one, and can increase the added value thereof.

1‧‧‧存戶註冊開戶架構1‧‧‧ Depositor Registration Account Opening Structure

11‧‧‧開戶步驟11‧‧‧ Account Opening Procedure

12‧‧‧分割步驟12‧‧‧Segmentation steps

13‧‧‧儲存步驟13‧‧‧Storage steps

2‧‧‧存戶臨櫃取款架構2‧‧‧ Depositors’ withdrawal structure

21‧‧‧密碼還原步驟21‧‧‧ Password Restoration Steps

22‧‧‧合成步驟22‧‧‧Synthesis steps

23‧‧‧核對步驟23‧‧‧Checking steps

5‧‧‧印鑑圖樣5‧‧‧Printed pattern

5A‧‧‧機密印鑑圖樣5A‧‧‧ confidential seal design

5B‧‧‧比對印鑑圖樣5B‧‧‧Compare the seal pattern

51‧‧‧管理亂碼圖檔51‧‧‧Manage garbled files

52‧‧‧分享亂碼圖檔52‧‧‧Share garbled files

圖1係本發明印鑑保密核對系統的流程方塊示意圖。1 is a schematic block diagram of a seal security verification system of the present invention.

圖2係應用本發明印鑑保密核對系統的存戶註冊開戶示意圖。FIG. 2 is a schematic diagram of depositing and depositing a deposit account of a seal verification verification system of the present invention.

圖3係應用本發明印鑑保密核對系統的存戶臨櫃領款示意圖。FIG. 3 is a schematic diagram of depositing a deposit of a depositor of the seal security verification system of the present invention.

請參閱圖1,本發明所提供之印鑑保密核對系統,其包含有一存戶註冊開戶架構1及存戶臨櫃取款架構2;其中:所述之存戶註冊開戶架構1具有一開戶步驟11、一分割步驟12及一儲存步驟13,如圖1、圖2,所述該開戶步驟11係由存戶至銀行臨櫃進行開戶作業,並指定一特定印鑑作為印鑑圖樣5,而分割步驟12則係利用一典型之視覺密碼技術將該印鑑圖樣5分解成一管理亂碼圖檔51及一分享亂碼圖檔52,該管理亂碼圖檔51與該分享亂碼圖檔52可 被典型視覺密碼技術合併,至於儲存步驟13係將前述之管理亂碼圖檔51與分享亂碼圖檔52分別儲存於不同位置,其中該管理亂碼圖檔51分別被儲存於銀行之一經理系統及存戶之一智慧卡,至於分享亂碼圖檔52則被儲存於銀行之櫃檯系統;又所述之存戶臨櫃取款架構2具有一密碼還原步驟21、一合成步驟22及一核對步驟23,如圖1、圖3所示,該密碼還原步驟21係當存戶臨櫃欲領取款項時,存戶係攜帶存摺和該智慧卡,並填寫取款單,接著並依銀行作業要求輸入存戶密碼,而該合成步驟22係當存戶輸入密碼後,可令經理系統之管理亂碼圖檔51與櫃檯系統之分享亂碼圖檔52合成還原成一機密印鑑圖樣5A,並令存戶智慧卡之管理亂碼圖檔51與櫃檯系統之分享亂碼圖檔52合成還原成一比對印鑑圖樣5B,至於核對步驟23則係由電腦系統將前述之機密印鑑圖樣5A與比對印鑑圖樣5B進行自動核對,如此不僅可提高核對效率,且可減少人員誤判的錯誤;藉此,組構成一提高印鑑保管安全性的印鑑保密核對系統者。Referring to FIG. 1 , a seal security verification system provided by the present invention includes a depositor registration account opening structure 1 and a depositor deposit withdrawal structure 2; wherein: the depositor registration account opening structure 1 has an account opening step 11 and a segmentation step. 12 and a storage step 13, as shown in FIG. 1 and FIG. 2, the account opening step 11 is performed by the depositor to the bank cabinet, and a specific seal is designated as the seal pattern 5, and the segmentation step 12 is performed by using a typical example. The visual cryptographic technique decomposes the signature pattern 5 into a management garbled image file 51 and a shared garbled image file 52. The management garbled image file 51 and the shared garbled image file 52 can be By the typical visual cryptography, the storage step 13 stores the foregoing management garbled file 51 and the shared garbled file 52 in different locations, wherein the management garbled files 51 are stored in one of the bank manager systems and depositors. One smart card, as for the shared garbled file 52, is stored in the counter system of the bank; the depositor withdrawal structure 2 has a password restoration step 21, a synthesis step 22 and a verification step 23, as shown in FIG. As shown in FIG. 3, the password restoration step 21 is when the depositor wants to collect the money, the depositor carries the passbook and the smart card, fills in the withdrawal slip, and then inputs the depositor password according to the bank operation request, and the synthesis step 22 After the depositor enters the password, the manager's management garbled file 51 and the counter system's shared garbled file 52 can be synthesized and restored into a confidential seal pattern 5A, and the depositor smart card management garbled file 51 is shared with the counter system. The garbled image file 52 is synthesized and restored into a comparison signature pattern 5B, and the verification step 23 is performed by the computer system to the aforementioned confidential seal pattern 5A and the comparison seal pattern 5 B performs automatic check, which not only improves the check efficiency, but also reduces errors in personnel misjudgment; thereby, the group constitutes a seal confidentiality checking system that improves the security of the seal storage.

而實際運用上,則請參閱圖1至圖3,存戶至銀行臨櫃進行開戶作業,並指定一特定印鑑作為印鑑圖樣5接著,銀行利用一典型之視覺密碼技術將該印鑑圖樣5分解成一管理亂碼圖檔51及一分享亂碼圖檔52,該管理亂碼圖檔 51與該分享亂碼圖檔52可被典型視覺密碼技術合併,並且銀行將前述之管理亂碼圖檔51與分享亂碼圖檔52分別儲存於不同位置,其中該管理亂碼圖檔51分別被儲存於銀行之一經理系統及存戶之一智慧卡,至於分享亂碼圖檔52則被儲存於銀行之櫃檯系統;當存戶臨櫃取款時,存戶係攜帶存摺和該智慧卡,並填寫取款單,接著並依銀行作業要求輸入存戶密碼,可令經理系統之管理亂碼圖檔51與櫃檯系統之分享亂碼圖檔52合成還原成一機密印鑑圖樣5A,並令存戶智慧卡之管理亂碼圖檔51與櫃檯系統之分享亂碼圖檔52合成還原成一比對印鑑圖樣5B,而電腦系統將前述之機密印鑑圖樣5A與比對印鑑圖樣5B進行自動核對,如此不僅可提高核對效率,且可減少人員誤判的錯誤,進而能提高其附加價值。For practical use, please refer to Figure 1 to Figure 3. The depositor goes to the bank to open the account and assigns a specific seal as the seal pattern. Next, the bank uses a typical visual cryptography to decompose the seal pattern 5 into a management. The garbled file 51 and a shared garbled file 52, the management garbled file 51 and the shared garbled file 52 can be merged by a typical visual cryptography, and the bank stores the aforementioned management garbled file 51 and the shared garbled file 52 in different locations, wherein the management garbled files 51 are stored in the bank respectively. One of the manager system and one of the depositor's smart card, as for the shared garbled file 52, is stored in the counter system of the bank; when the depositor withdraws the deposit, the depositor carries the passbook and the smart card, and fills in the withdrawal slip, and then Bank operation requires the input of the depositor password, which can make the management system garbled image file 51 of the manager system and the shared garbled file file 52 of the counter system be synthesized into a confidential seal pattern 5A, and the management garbled file 51 of the depositor smart card is shared with the counter system. The garbled image file 52 is synthesized and restored into a comparison seal pattern 5B, and the computer system automatically checks the aforementioned confidential seal pattern 5A and the comparison seal pattern 5B, thereby not only improving the check efficiency, but also reducing the mistake of the person misjudging, and thus Increase its added value.

透過前述的架構及流程說明,本發明至少存在有下列的優點:Through the foregoing architecture and process description, the present invention has at least the following advantages:

1、本發明能使印鑑圖樣5被分解成一管理亂碼圖檔51及一分享亂碼圖檔52,且被分別儲存在不同的位置,避免印鑑圖樣5被銀行人員或外部不宵人員所截取,大幅提高其保管印鑑的安全性,使存戶的機密資訊更加有保障。1. The present invention enables the signature pattern 5 to be decomposed into a management garbled pattern file 51 and a shared garbled pattern file 52, and stored in different positions, respectively, to prevent the signature pattern 5 from being intercepted by bank personnel or external inconvenience personnel. Improve the security of the custody of the custody, so that the depositor's confidential information is more secure.

2、本發明之存戶在取款時,可令銀行管理系統與存戶智慧卡所儲存的管理亂碼圖檔51和櫃檯系統所儲存的分享亂碼圖檔52合成還原成機密印鑑圖樣5A及比對印鑑 圖樣5B,並利用電腦系統進行機密印鑑圖樣5A與比對印鑑圖樣5B的自動核對,而能有效提升比對作業之效率,且避免人工判讀的錯誤。2. When the depositor of the present invention withdraws money, the bank management system and the management garbled image file 51 stored in the deposit card of the depositor and the shared garbled image file 52 stored in the counter system can be synthesized and restored into a confidential seal pattern 5A and a comparison seal. The pattern 5B, and the computer system is used for the automatic check of the confidential seal pattern 5A and the comparison seal pattern 5B, which can effectively improve the efficiency of the comparison operation and avoid the error of manual interpretation.

上列詳細說明係針對本發明之一可行實施例之具體說明,惟該實施例並非用以限制本發明之專利範圍,凡未脫離本發明技藝精神所為之等效實施或變更,均應包含於本案之專利範圍中。The detailed description of the preferred embodiments of the present invention is intended to be limited to the scope of the invention, and is not intended to limit the scope of the invention. The patent scope of this case.

綜上所述,本案不但在空間型態上確屬創新,並能較習用物品增進上述多項功效,應已充分符合新穎性及進步性之法定發明專利要件,爰依法提出申請,懇請 貴局核准本件發明專利申請案,以勵發明,至感德便。In summary, this case is not only innovative in terms of space type, but also can enhance the above-mentioned multiple functions compared with the customary items. It should fully meet the statutory invention patent requirements of novelty and progressiveness, and apply for it according to law. This invention patent application, in order to invent invention, to the sense of virtue.

1‧‧‧存戶註冊開戶架構1‧‧‧ Depositor Registration Account Opening Structure

11‧‧‧開戶步驟11‧‧‧ Account Opening Procedure

12‧‧‧分割步驟12‧‧‧Segmentation steps

13‧‧‧儲存步驟13‧‧‧Storage steps

2‧‧‧存戶臨櫃取款架構2‧‧‧ Depositors’ withdrawal structure

21‧‧‧密碼還原步驟21‧‧‧ Password Restoration Steps

22‧‧‧合成步驟22‧‧‧Synthesis steps

23‧‧‧核對步驟23‧‧‧Checking steps

Claims (2)

一種印鑑保密核對系統,包含有至少一存戶及一銀行,該印鑑保密核對系統具有一存戶註冊開戶架構及存戶臨櫃取款架構;其中:所述之存戶註冊開戶架構具有一開戶步驟、一分割步驟及一儲存步驟;該開戶步驟係由存戶至銀行臨櫃進行開戶作業,並指定一特定印鑑作為印鑑圖樣;而分割步驟則係將該印鑑圖樣分解成需一密碼才能還源之一管理亂碼圖檔及一分享亂碼圖檔;至於儲存步驟係將管理亂碼圖檔分別儲存於銀行之一經理系統及存戶之一智慧卡,另分享亂碼圖檔係儲存於銀行之一櫃檯系統;又所述之存戶臨櫃取款架構具有一密碼還原步驟、一合成步驟及一核對步驟;該密碼還原步驟係由存戶輸入密碼;而該合成步驟係令經理系統之管理亂碼圖檔與櫃檯系統之分享亂碼圖檔合成還原成一機密印鑑圖樣,並令存戶智慧卡之管理亂碼圖檔與櫃檯系統之分享亂碼圖檔合成還原成一比對印鑑圖樣;又核對步驟係將前述之機密印鑑圖樣與比對印鑑圖樣進行自動核對; 藉此,組構成一提高印鑑保管安全性的印鑑保密核對系統者。A seal confidentiality checking system comprising at least one depositor and a bank, the seal confidentiality checking system has a depositor registration account opening structure and a depositor depositing and withdrawing structure; wherein: the depositor registration opening account structure has an account opening step and a dividing step And a storage step; the account opening step is performed by the depositor to the bank cabinet, and a specific seal is designated as the signature pattern; and the dividing step is to decompose the signature pattern into a password to restore the garbled map. File and one share garbled image files; as for the storage step, the management garbled files are stored in one of the bank manager systems and one of the depositors' smart cards, and the other garbled files are stored in one of the bank's counter systems; The depositor withdrawal structure has a password restoration step, a synthesis step and a verification step; the password restoration step is performed by the depositor to input a password; and the synthesis step is to cause the management system to manage the garbled image file and the counter system to share the garbled image file. Synthetic reduction into a confidential seal pattern, and the management of the smart card management garbled files and counters Synthesis of sharing drawing distortion is reduced to a comparison pattern credential; and the step of matching the lines of the pattern, and alignment secret credential automatically seal pattern matching; Thereby, the group constitutes a seal confidentiality checking system that improves the security of the seal storage. 如申請專利範圍第1項所述之印鑑保密核對系統,其中該存戶註冊開戶架構之分割步驟則係利用一視覺密碼技術將該印鑑圖樣分解成管理亂碼圖檔及分享亂碼圖檔,使其可利用密碼合併。For example, in the seal confidentiality checking system described in claim 1, wherein the step of dividing the depositor's registered account opening structure is to use a visual cryptography technique to decompose the seal pattern into a management garbled image file and share a garbled image file to enable Merge with passwords.
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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TW328576B (en) * 1996-07-16 1998-03-21 Chen Bor Ning Automatic seal-imprint comparing method and apparatus
JP2002304523A (en) * 2001-04-09 2002-10-18 Hitachi Ltd Seal-impression authentication method and system
CN102024245A (en) * 2009-09-10 2011-04-20 广州市百成科技有限公司 Fragile watermarking technology-based electronic seal protection method

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TW328576B (en) * 1996-07-16 1998-03-21 Chen Bor Ning Automatic seal-imprint comparing method and apparatus
JP2002304523A (en) * 2001-04-09 2002-10-18 Hitachi Ltd Seal-impression authentication method and system
CN102024245A (en) * 2009-09-10 2011-04-20 广州市百成科技有限公司 Fragile watermarking technology-based electronic seal protection method

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