Method and system against false of network identification, verification, supervision and inquiry for graphic context bar code on bank bill

Abstract

This invention belongs to bank bill codes network identification test monitor inquire anti-false system and method, wherein, the anti-false system comprises wireless mobile network, bank process message invisible codes print monitor and inquire anti-false system and user holder mobile scanning identification code terminal system. The invention method comprises the following steps: establishing the bank bill invisible code print monitor system and inputting personal or business information with check business into data process host and to update database.

Description

technical field [0001] The invention belongs to an anti-counterfeiting system and method for network identification, verification, supervision and query of bank bill graphic and text barcodes. Background technique [0002] Both domestic corporate checks and international personal checks have the problem of banks controlling the payment credit of account-opening companies and individuals; the bank and the payee can identify and confirm the authenticity of the bill and the seal reserved by the bank, and whether they can receive the due money Issues of credit risk, misappropriation, loss, and fraud of payees and payers. These problems have become the bottleneck of check application, bill retention, and image transmission, resulting in: [0003] 1. The bank passively manages the payment credit of the check holder. For problems such as false opening, overdraft, and short position, the bank can only use passive refusal to pay, which increases the risk of the payee receiving the c...

AI Technical Summary

Problems solved by technology

The promotion and application of personal checks is not recognized by the market

[0004] 2. The bank does not have a convenient, simple and effective verification method for the bills of the non-issuer bank, and cannot realize cross-regional application settlement. Even if the check is settled in the same city, it cannot replace cash settlement, which brings inconvenience to the use

[0005] 3. When using bank checks, domestic seals are required to be used, and foreign countries are required to be used with personal signatures. However, banks have the problem of effectively comparing the tool seals and signatures that represent identity characteristics.

It is easy to counterfeit the original seal, but it is more difficult to identify the signature

Bringing large identification and verification errors, difficulties, disputes, and capital risks to banks, payees, and the public

Domestically speaking, the signature of Chinese characters is difficult to personalize and is easy to be imitated, and the Chinese character signature comparison technology of domestic banks is more difficult. These are all problems in the promotion and convenient use of personal checks

[0006] 4. Circulation companies dare not pay immediately after receiving the check, cannot verify the authenticity of the bill, cannot identify the legal identity of the bearer, cannot compare the integrity of the seal and the bill, cannot understand and inquire about the payment ability, and do not know how to pay Whether you can receive the due payment in the end, you can only pay on delivery, losing the convenience of checks, security and payment advantages

[0007] 5. False seals, counterfeit checks, different seals, overdraft filling, unable to query, compare, etc.

Due to the problems and risks of the above-mentioned checks, a large number of deliberate bounced checks have become malicious overdrafts, economic fraud, debt disputes, serious triangular debts, etc.

[0008] 6. Criminals make fake checks and seals for economic fraud, damage to banks, businesses, and merchants

[0009] 7. It is even more impossible to prevent lost checks, embezzled checks, and counterfeit checks, which will damage the interests of banks, customers, and circulation companies.

Although a large amount of cash payment is an important means of payment in most countries, especially untrusted countries, the troubles caused by counterfeit banknotes, the cost of printing and circulation, and the criminal offenses caused by large amounts of cash circulation have rarely been used.

Images