CN1233031A

CN1233031A - Bill paying system

Info

Publication number: CN1233031A
Application number: CN 98101587
Authority: CN
Inventors: 邵通
Original assignee: Individual
Current assignee: Individual
Priority date: 1998-04-23
Filing date: 1998-04-23
Publication date: 1999-10-27
Anticipated expiration: 2018-04-23
Also published as: CN1110026C

Abstract

The bill paying system includes the encipheror for the payer, the communication unit for the payee, client data base, cipher checker and fund deducting and cashing unit. When the bill is used, the payer inputs bill data to the encipheror to create cipher and provides the payee with the bill together with the bill data and cipher, and the payee sends the bill data and cipher to bank. After the cipher is checked to be correct and the payer is checked to have enough fund, the fund deducting and cashing unit performs fund deduction or cashing and the bank communication unit returns the fund deduction data to the payer.

Description

Bill paying system

The present invention relates to a kind of bill paying system, specifically, relate to a kind of can make the drawee to the reliability of bill verify bill paying system.

In business activity, the buyer often uses bank money and seal as the voucher of paying at present.Because the seller can not differentiate the true and false of bill and seal when receiving bill, can not verify whether enough funds are arranged under the account number of this bill, the check drawer is taken place often utilize fake bill, report the loss the case that bill or accommodation bill are swindled, drawee's economic interests are incurred loss.Therefore take the drawee wouldn't pay goods at present usually when receiving bill, the way of just paying goods to the check drawer when waiting fully funded, and this can make troubles to both sides makes thisly to be difficult for promoting with the method for bill as evidence for payment.

The objective of the invention is to overcome the shortcoming that existing bill prestige is not high, use inconvenience, propose a kind of drawee of making and when receiving bill, just can verify, and under check drawer's account number, deduct the bill paying system of fund its legitimacy.

According to technical scheme of the present invention, a kind of bill paying system is proposed, comprising:

The encryption device that the check drawer uses is used for generating password according to the bill data of check drawer's input;

Drawee's communicator is used for sending described bill data and password to bank; And

The bank aspect:

Information receiver is used for receiving described bill data and password from drawee's communicator;

Customer database is used to store the fund information and the encrypted message of bank client;

Whether password authentication device is used for according to the bill data of information receiver reception correct with the password that the encrypted message authorization information receiving trap that is stored in customer database receives;

The fund button is converted device, is used for when password authentication device verifies that the correct and available funds under the corresponding account number of bill data that receives with information receiver of this password is sufficient according to withholding with the corresponding amount of money execution of this bill data fund or cashing operation;

The information return mechanism, be used for to drawee's communicator return whether executed fund withhold or cash operation information.

Below in conjunction with accompanying drawing embodiments of the invention are described.

Fig. 1 is the synoptic diagram of bill paying system of the present invention.

As shown in Figure 1, bill paying system of the present invention is made of the device of check drawer's (bank client of paying with bill), drawee and bank three aspects.There is an encryption equipment 1 by banking recognition the check drawer aspect.There is a communicator 2 the drawee aspect, for example can be to live or terminal by the electricity that telephone wire or computer network and bank communicate.The device of bank aspect comprises: communicator 3a for example can be a phonecard, be used for from/to drawee's communicator 2 reception/return messages; Customer database 3b, amount of the fund, the fund button of wherein having stored each bank client convert record, bill report the loss record and with the encryption equipment and the corresponding encrypted message of bill data of bank client; Password authentication device 3c; And the fund button is converted device 3d.

When bank client (check drawer) for example uses bill such as check, electronic bill, with bill datas such as Routing Number, account No., note number, the amount of the instrument and enabling time input encryption equipment 1, encryption equipment 1 generates a password according to the bill data of input.The check drawer will offer the drawee with the bill of bill data and password.

The drawee dials the enquiry number of bank by communicator 2, connects bill data and password that the back provides according to prompting input check drawer.

After bank correspondence device 3a receives bill data and password, provide it to password authentication device 3c and the fund button is converted device 3d.Password authentication device 3c verifies the password that receives according to the bill data that receives and the encrypted message that is stored among the customer database 3b, and will represent this password whether correct information offer communicator 3a and fund and buckle and convert device 3d.The fund button convert device 3d receive the correct information of this password of expression, after, amount of the fund, the fund button in customer database 3b under the retrieval check drawer account number converted record and reported the loss record.If this bill is not reported the loss and check drawer's account number under the abundance of capital, then the fund button is converted device 3d according to the operation of withholding of amount of the instrument execution fund, promptly temporarily freeze this part fund under check drawer's account number, have only the drawee could remove and withhold and cash this fund with bill.In more advanced system, if password is correct and the available funds abundance under check drawer's account number, the fund button is converted device 3d and directly the fund corresponding to the amount of the instrument under check drawer's account number is transfered under drawee's the account number.At last, bank correspondence device 3a returns necessary information to drawee's communicator 2, whether whether encrypted code effectively, whether this bill report the loss, have enough funds and bank to withhold for the drawee under the account number of this bill or cashed fund as this bill, or the like, preferably also return an expression bank and promise to undertake the digital signature of having withheld or having cashed fund to drawee's communicator 2.This digital signature can also be authenticated by the third party.

In order further to improve the security of bill, according to a preferred embodiment of the invention, the bank aspect also comprises a random code generating apparatus (not shown in figure 1).The check drawer can ask this device to generate a random code when using bill, and it is imported encryption equipment 1 as one of bill data.This encryption equipment 1 can be designed to have a communicator (not shown), send the request of described generation random code by telephone wire or computer network to bank.In the code fetch process, this random code generating apparatus can authenticate according to bank and client's the agreement identity to the code fetch people, as phone authentication, encryption equipment authentication and other authentication.Like this, then can not fake bill if not bank client.This random code generating apparatus can also generate another random code corresponding with for example note number during to the banker's buying rate note-book the check drawer, even making that the non-banking internal staff has encryption equipment can not fake bill.The bill data that the check drawer imports to encryption equipment 1 can also comprise drawee's information, and for example drawee's account No. makes and has only the drawee just can cash bill.In addition, encryption equipment 1 can also be designed to have a startup password, prevent that unwarranted people from using encryption equipment.

Bill paying system of the present invention adopts encryption device that bill data is encrypted, and make the drawee can by communicator from bank obtain this bill whether encrypt effectively, whether reported the loss and check drawer's account number under whether enough information such as fund are arranged, prevented that the check drawer from utilizing fake bill, reporting the loss bill or accommodation bill is swindled.In addition, withhold for drawee's execution fund or cash operation because native system has taked the fund button to convert device, prevented the check drawer behind pay bills again occupied fund cause it to be not enough to cash bill, perhaps under the situation of bank dishonor (for example the bill that provides of check drawer itself is illegal, and its password is correct) is provided the malice because of the check drawer, can make status that the drawee has the initiative so that take legal means to ensure the rights and interests of oneself.Therefore, bill paying system of the present invention has improved the prestige of bill, makes the drawee just can whether pay goods to the check drawer according to the information decision of returning from bank when receiving bill, has brought convenience to both sides.

Claims

1, a kind of bill paying system comprises:

The bank aspect:

The information return mechanism, be used for to drawee's communicator return whether executed fund withhold or cash the information of operation.

According to the system of claim 1, it is characterized in that 2, the check drawer comprises account No., note number, the amount of the instrument and draws a bill one of time or their combination in any to the code data of encryption device input.

According to the system of claim 1, it is characterized in that 3, described information return mechanism returns an expression bank to drawee's communicator and promises to undertake according to having carried out fund with the corresponding amount of money of described bill data and withhold or cash the digital signature of operation.

4, according to the system of claim 1 or 3, it is characterized in that, the bank aspect also comprises the random code generating apparatus, and being used for the check drawer is that every bill generates a random code during to the banker's buying rate note-book, and the check drawer comprises this random code to the code data of encryption device input.

According to the system of claim 1 or 3, it is characterized in that 5, the bank aspect also comprises the random code generating apparatus, be used for generating a random code that the check drawer comprises this random code to the code data of encryption device input according to check drawer's request.

According to the system of claim 5, it is characterized in that 6, described encryption device also comprises a communicator, described request can be sent to bank by this communicator.

According to the system of claim 1 or 3, it is characterized in that 7, the check drawer also comprises drawee's information to the code data of encryption device input.

According to the system of claim 7, it is characterized in that 8, described drawee's information is drawee's account No..

According to the system of claim 1 or 6, it is characterized in that 9, described communicator is the terminal of phone or networking.

According to the system of claim 1 or 3, it is characterized in that 10, described encryption device has a startup password.