WO2000067209A1

WO2000067209A1 - Bank bill examining system

Info

Publication number: WO2000067209A1
Application number: PCT/CN2000/000095
Authority: WO
Inventors: Tong Shao
Original assignee: Tong Shao
Priority date: 1999-04-30
Filing date: 2000-04-21
Publication date: 2000-11-09
Also published as: AU3955300A; CN1236147A

Abstract

A bank bill examining system comprises a check-drawer communication device, check-taker communication device, bank communication device, customer database, bank bill cryptograph base, quota examining base, customer status authentication device, bank bill cryptograph verification device, and comparing device. When the bank bill is used, the check-drawer provides the bank bill with the bank bill data and the bank bill cryptograph to the check-taker. The check-taker sends the bank bill data and the bank bill cryptograph to the bank. The bank communication device sends back the examining results of the bank bill to the check-taker. The examining results can be, for example, whether the bank bill cryptograph is correct, the examining quota of the bank bill, whether the useable funds under the account number of the check-drawer is not less than the examining quota.

Description

Bill inspection system Field of the invention

The present invention relates to a bill inspection system, and in particular, to a bill inspection system that enables a receiver to check the reliability of a bill without leaking other bank information of the biller. Background technique

In commercial activities, buyers often use bank notes and seals as proof of payment. Since the seller cannot identify the authenticity of the bill and the seal when receiving the bill, and cannot verify whether there is sufficient funds in the account number of the bill, it often happens that the drawer uses the forged bill, the report of the loss of the bill or the short bill for fraud. The case caused losses to the recipient's economic benefits. Therefore, the receiver hopes to check the legality of the bill with the bank. However, if there are no certain restrictions on such queries, important information of the drawer may be leaked. For example, the receiver can obtain the exact data of the deposit balance under the drawer's account through multiple inquiries, and this is the data that banks must keep confidential under the Banking Law. Purpose of the invention

The object of the present invention is to propose a bill inspection system that enables the receiver to verify the legitimacy of the bill on the premise of ensuring the security of the drawer's information. Summary of the invention

According to the technical solution of the present invention, a bill inspection system is provided, including:

An information receiving device, configured to receive ticket data and a ticket password from a ticket receiver, The bill data includes a bank account number and a bill number, and the bill password corresponds to the bill number;

Customer database, used to store funds information of bank customers;

The ticket password database is used to store the ticket password information corresponding to the ticket number; the check quota database is used to store the check quota information corresponding to the ticket number; the customer identity authentication device is used to perform identity authentication for bank customers;

The ticket password verification device is configured to verify whether the ticket password received by the information receiving device is correct according to the ticket data received by the information receiving device, the ticket password, and the ticket password information stored in the ticket password database;

The comparison device is configured to determine whether the available funds in the bank account received by the information receiving device is not less than the number of the bill received by the receiving device according to the inspection limit information stored in the inspection limit database and the fund information stored in the customer database. An inspection limit; and an information return device for returning information to the receiver as to whether the password of the bill is correct, the inspection limit of the bill, and whether the available funds under the bank account are not less than the inspection limit.

In the above system, it may further include a receiver communication device, and the receiver sends the bill data and the bill password to the bank through the device, and receives the information returned from the bank through the device.

In the above system, it may further include a drawer communication device for communicating with the bank, and after confirming the identity of the bank's customer identity authentication device, a ticket password and check related to the drawer in the ticket password database may be set. Inspection quota in inspection quota library.

In the above system, the bill data received by the bank's information receiving device from the receiver may further include the bill amount; the bank's comparison device also judges the information receiving device based on the check limit information stored in the check limit database. Whether the amount of received bills exceeds the check limit; banks can also include a fund deduction device for correct bill passwords, the amount of bills does not exceed the check limit, and there is a lot of available funds in the bank account When checking the limit, the fund withholding or redemption operation is performed according to the amount of the bill.

In the above system, the receipt data received by the bank's information receiving device from the payee may further include the bill amount, and the information receiving device also receives the payment password from the payee; the bank's comparison device also stores The check limit information in the check limit database determines whether the amount of the bill received by the information receiving device exceeds the check limit. The bank may further include: a payment password database for storing payment password information corresponding to the bill number; a payment password verification device For verifying whether the payment password received by the information receiving device is correct according to the payment password information stored in the payment password database; and a fund payment device for correcting the bill password, the bill amount does not exceed the check limit, and the available funds under the bank account When it is not less than the check limit and the payment password is correct, the fund payment operation is performed according to the amount of the bill.

In the above-mentioned system, the bank may further include a record loss report database for storing the report number of the loss report registered by the bank customer after identity authentication. Brief description of the drawings

FIG. 1 is a schematic diagram of a bill inspection system of the present invention.

FIG. 2 shows a modified form of the ticket inspection system in FIG. 1. Preferred embodiment of the invention

As shown in FIG. 1, the bill inspection system of the preferred embodiment of the present invention is composed of three devices: a drawer (a bank customer paying by a bill), a receiver, and a bank. The issuer and the receiver each have a communication device 1, 2, which can be, for example, a telephone or computer terminal that communicates with a bank through a telephone line or a computer network. The bank device includes: a communication device 3a, which may be, for example, a phone card, for communicating with the drawer communication device 1 and the receiver communication device 2; a customer database 3b, in which each bank customer is stored The amount of funds and the fund deduction record: the bill password library 3c, which stores the bill password information corresponding to the bill number; the check limit library 3d, which stores the bill check limit information corresponding to the bill number: the bill loss record database 3i, It is used to store the bank account customer's lost report number registered after identity authentication; the bill password verification device 3e; the comparison device 3f; the fund deduction device 3g: and the customer identity authentication device 3h.

Each bank customer obtains a master password, a bill book, and a bill password book corresponding to the bill number from the bank, and the master password is used as the basis for bank customer identity authentication. In order to ensure the security of the information, the bank can encrypt the customer's identity authentication password and bill password with a one-way function and store it. The bank customer can modify the ticket password in the ticket password database 3c through the communication device 1 through the customer identity authentication device 3h after verifying the master password.

When a bank customer (drawer) uses a bill for payment, first fill in the bill data in accordance with the current regulations, including the activation time, bank code, bank account number, bill number, and bill amount. Attach the ticket password corresponding to the ticket number. Then, after the identity is authenticated by the customer identity authentication device 3h through the communication device 1, a check limit corresponding to the bill number in the check limit library 3d is set. Of course, the drawer can set a uniform inspection limit in advance, and only when the amount of the bill is greater than the uniform inspection limit, or when the amount of the bill is less than the uniform inspection limit and the drawer considers it necessary, modify it through the communication device 1 Inspection quota in inspection quota library 3d.

The drawer provides the ticket with the ticket password to the receiver. The drawee dials the bank's inquiry number through the communication device 2 and enters the bill data such as the bank account number, bill number, and bill amount and the bill password according to the prompt after the call is connected-After the bill communication data and bill password are received by the bank communication device 3a, It is provided to the bill password verification device 3e, the comparison device 3f, and the fund deduction device 3g.

The ticket password verification device 3e verifies the received ticket password based on the ticket password information stored in the ticket password database 3c, and will provide information indicating whether the ticket password is correct Provided to the communication device 3a.

When the ticket password is correct, the comparison device 3f judges whether the amount of the ticket provided by the receiver exceeds its inspection limit according to the inspection limit information stored in the inspection limit database 3d, and provides the judgment result to the communication device 3a.

If the amount of the bill does not exceed its inspection limit, the fund deduction device 3g is in the customer database

In 3b, the amount of funds under the drawer's account, the fund deduction record and the loss report are retrieved. If the bill is not reported and the funds in the drawer's account are sufficient, the fund deduction device 3g performs a fund withholding operation based on the amount of the bill, that is, temporarily freezing this part of the funds in the drawer's account. Release the withholding and redeem the funds. Alternatively, if the available funds in the drawer's account are sufficient, the fund deduction device 3g directly transfers the funds corresponding to the amount of the bill in the drawer's account to the account of the drawer.

Finally, the bank communication device 3a returns necessary information to the payee communication device 2, such as whether the note is valid with a password, whether the amount of the note exceeds the check limit, whether the note has been reported lost, whether there is sufficient funds in the account number of the note, and Whether the bank has withheld or redeemed the funds on behalf of the drawee, etc., it is better to return to the receiver communication device 2 a digital signature indicating that the bank has promised to withhold or redeem the funds.

In the case where the drawer's funds are directly transferred to the receiver's account, a secondary encryption can be used to further improve the security of the system. Figure 2 shows the structure of this improved ticket inspection system. The difference between this system and the system in Figure 1 is that the bank has added a payment password library 3J and a payment password verification device 3K. The payment password library 3J stores payment password information corresponding to the ticket number. When a bank customer (drawer) pays with a bill, the bill provided to the receiver is accompanied by the bill password for the bill in addition to the bill password. The payment password is also included in the information input by the drawer to the bank through the communication device 2. The device on the bank side verifies that the ticket password entered by the receiver is correct, that the amount of the ticket does not exceed the check limit, and that the available funds under the bank account of the drawer are sufficient In the case of the payment password verification device 3K, it is also necessary to verify whether the payment password entered by the receiver is correct based on the payment password information stored in the payment password database 3J. When the payment password is correct, the fund payment device 3g only transfers the funds corresponding to the amount of the bill under the drawer's account to the account of the recipient, thereby further improving the security of bank customer funds.

It should be understood that the above description of the ticket inspection system of the present invention is for the purpose of illustration only and not a limitation of the present invention. For example, the system can be completely designed so that the bill data input by the receiver to the bank through the communication device does not include the amount of the bill, and the information returned by the bank communication device 3a to the receiver includes the inspection limit of the bill and the bill Whether the available funds under your account is not less than the inspection limit. Such a system can also achieve the purpose of enabling the recipient of a ticket to query the legality of the ticket while at the same time limiting such query, which belongs to the scope of the present invention.

The bill inspection system of the present invention enables the drawee to obtain information from the bank through the communication device whether the bill is encrypted and valid, whether it has been reported lost, and whether there is sufficient funds in the drawer ’s account, which prevents the drawer from using forged bill , Reporting lost or short notes for fraud. In addition, because the system uses a fund deduction device to perform fund withholding or redemption operations on behalf of the drawer, it prevents the drawer from occupying funds after paying the bill, which makes it insufficient to pay the bill, or because of the maliciousness of the drawer Under the circumstances that the bank refuses to pay (for example, the bill provided by the drawer is illegal and the password is correct), the receiver can take the initiative to protect the rights and interests by legal means.

On the other hand, because the bill checking system of the present invention sets a checking limit database, it limits the amount of money that the receiver can check, so that it cannot know information that it should not know, such as the deposit balance under the drawer's account Accurate data to ensure the interests of the drawer.

Therefore, under the premise of ensuring the security of the drawer's information, the bill inspection system of the present invention enables the receiver to check the legitimacy of the bill upon receipt of the bill, improves the credibility of the bill, and brings convenience to both parties. When the system of the present invention is used for bill payment, when it is necessary to declare it invalid for some reason, for example, the correct password and seal of the bill may be lost due to carelessness, theft, or robbery. The drawer can immediately use the main bank The password is reported to the bank for loss. Before applying for loss reporting, if someone has already used the ticket for shopping, obviously the loss should be borne by the drawer. After a bank customer has applied for loss reporting to the bank by phone, when someone uses the bill for shopping, it can be found by checking with the bank that the bill is a lost bill, which has a great deterrent effect on criminals. If the receiver fails to check with the bank by phone, the receiver is solely responsible for the loss. Since most of the recipients check the bills by phone, they only need to notify the bank that opened the account for the lost bills, and then deal with the lost bills according to legal procedures.

Claims

Claim

1. A bill inspection system, including the bank:

An information receiving device, configured to receive bill data and a bill password from a bill receiver, the bill data includes a bank account number and a bill number, and the bill password corresponds to the bill number;

Customer database, used to store funds information of bank customers;

Ticket password database, used to store ticket password information corresponding to the ticket number;

The check limit database is used to store the check limit information corresponding to the ticket number; the customer identity authentication device is used to perform identity authentication for bank customers;

The comparison device is configured to determine whether the available funds under the bank account received by the information receiving device is not less than the bill number received by the receiving device according to the inspection limit information stored in the inspection limit database and the fund information stored in the customer database. A corresponding check limit; and an information return device for returning to the recipient information whether the password of the bill is correct, the check limit of the bill, and whether the available funds under the bank account are not less than the check limit.

2. The system according to claim 1, further comprising a receiver communication device, and the receiver sends the bill data and the bill password to the bank through the device, and receives the information returned from the bank through the device.

3. The system according to claim 2, further comprising a drawer communication device for communicating with the bank's information receiving device, and after confirming the identity of the bank's customer authentication device, the bill password database can be set or modified The ticket password related to the ticket number of the drawer and the check quota in the check quota database.

4. The system according to claim 1, 2 or 3, characterized in that the receipt data received by the bank-side information receiving device from the drawee further includes the amount of the receipt;

The comparison device on the bank side also judges whether the amount of the bill received by the information receiving device exceeds the inspection limit according to the inspection limit information stored in the inspection limit database;

The bank also includes a fund deduction device, which is used to perform the withholding or redemption of funds according to the amount of the bill when the bill password is correct, the amount of the bill does not exceed the check limit, and the available funds under the bank account are not less than the check limit.

5. The system according to claim 1, 2 or 3, characterized in that the receipt data received by the bank's information receiving device from the payee further includes the amount of the bill, and the information receiving device further receives the payment password from the payee ;

Banking also includes:

A payment password database for storing payment password information corresponding to the ticket number;

A payment password verification device for verifying whether the payment password received by the information receiving device is correct according to the payment password information stored in the payment password database; and

The fund payment device is used to perform a fund payment operation according to the amount of the bill when the bill password is correct, the bill amount does not exceed the check limit, the available funds under the bank account are not less than the check limit, and the payment password is correct.

6. The system according to claim 1, 2 or 3, characterized in that the bank further comprises a record loss record database for storing the report number of the loss report registered by the bank customer after identity authentication.

7. The system according to claim 2 or 3, characterized in that the communication between the bank and the drawee and / or issuer is realized through a telephone network.

8. The system according to claim 2 or 3, characterized in that the bank and the drawee and / Or the communication between the drawers is realized through a computer network.

9. The system according to claim 1, 2 or 3, characterized in that the bank's customer identity authentication device uses a password that the bank and the bank customer jointly have as a basis for the identity authentication of the customer.

10. The system according to claim 9, characterized in that the password used as the basis for customer identity authentication can be modified by the customer who has already been authenticated.

11. The system according to claim 9, characterized in that the customer identity authentication password owned by the bank is stored after being encrypted by a one-way function.

12. The system according to claim 1, 2 or 3, characterized in that the bill password in the bank's bill password database is stored after being encrypted by a one-way function.

13. The system according to claim 3, characterized in that the customer identity authentication device of the bank strengthens the security of identity authentication by calling back the customer communication device.

14. The system according to claim 2 or 3, characterized in that the information sent by the receiver to the bank through the communication device further includes the information of the receiver.

15. The system according to claim 13, wherein the information of the receiver is the bank account number of the receiver.

16. The system according to claim 1, 2 or 3, characterized in that the information returned by the bank's information returning device to the receiver further includes a statement that the drawer promises to debit.