KR101544754B1 - System for verifying and managing forged or altered checks based on web and the method thereof - Google Patents

Abstract

The present invention relates to a system and method for forgery verification and management of a web-based check, wherein the system comprises a banknote processing apparatus for acquiring information related to an issued check or a paid check, A web application server for performing forgery verification of the payment check on the web and providing the result to the teller terminal, and a web server for storing information related to the issue check or the payment check, And a database that allows the information related to the check to be inquired when the forgery and falsification is verified.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for verifying and managing web-based checks,

The present invention relates to a system and method for forgery verification and management of web-based checks, and more particularly, to a system and method for checking and managing web-based checks, And checks and forfeits the web-based checks to compare and analyze the images and feature information of the issued checks and the payment checks through a specific server on the web. System and method thereof.

Normally, a bill processing apparatus is a device that can automatically count the number of bills, and is used in a bank or the like to prevent bank notes counting mistakes of counter workers. The above-mentioned bill processing apparatus includes a bill checker (or a bill discriminator).

The bill validator (or the bill discriminator) is built in a bill counter, a vending machine, a cash dispenser, etc., and verifies whether the bill to be input is legitimate.

For example, verify the authenticity (i.e., new banknote / old banknote / damaged banknote) of the banknote or verifies whether it is a counterfeit banknote. For reference, the banknote handling apparatus described in the present invention is used not only in terms of banknote count, but also as a concept including a banknote counter having a banknote verifying function, a banknote discriminating apparatus having a counting function, and the like.

The above-mentioned banknote processing apparatuses can be used for banknotes, cash transport companies, terminal companies, money changers, credit unions, night banks, financial institutions such as post offices, night gas stations such as gas stations, entertainment establishments, casinos, restaurants, hotels, , Duty-free shops, large discount stores, chain stores, convenience stores, and so on.

The bill processing apparatus according to the present invention may verify the forgery and alteration of a check.

That is, even if it is a highly counterfeit check which can not be discerned by the naked eye, the forgery and falsification according to the shape of the check can be verified through the above-mentioned bill processing machine or the check discriminator. Also, unlike cash, checks can be used to check the check serial number using regular phones, cell phones, the Internet, and card terminals to determine whether the check is stolen or forged.

However, since most of the check incidents currently occurring are caused by the forgery and falsification of the original check, it is impossible to judge whether or not the check (ie, the original check) having no problem in shape is completely falsified by using the conventional banknote counter or the check discriminator There is a problem.

For example, a serial number and amount of a small genuine check (for example, 100,000 Won) issued by a financial institution is erased and a check for forging a large amount of genuine check (for example, 23 million won) Twin check) has a problem that it can not be forged until the owner of the original check exchanges money.

Moreover, in recent years, counterfeiting methods have been upgraded in cooperation with bank employees, such as handing out blank checks or manipulating the amount or serial number of the original check, thereby paying the check to the bank branch (or bank) issuing the check Even if the bank branch (or bank) is different, a system that can verify the forgiveness of checks is necessary.

BACKGROUND ART [0002] The background art of the present invention is disclosed in Korean Patent Laid-Open Publication No. 10-2005-0057825 (published on Jun. 16, 2005, a check processing system and a check processing method using the same).

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to provide an image processing apparatus and method which can acquire image and feature information of an issue check using a bill processing apparatus, transmit image and feature information of the issue check to a specific server on the web, The present invention provides a system and method for forgery verification and management of a web-based check,

 Also, the present invention provides a system and method for forgery verification and management of a web-based check, which enables a user to verify whether a payment check is forged or falsified by comparing and analyzing the image and feature information of the issued check and the payment check through a specific server on the web .

The present invention also provides a web-based check system that allows a user to access a specific server on the web to verify whether a payment check is falsified, even when the bank branch (or bank) issuing the check and the bank branch (or bank) And to provide a method and system for managing forgery and verification of a forgery.

According to an aspect of the present invention, there is provided a web-based check forgery verification and management system, comprising: a bill processing apparatus for acquiring information related to a issued check or a paid check; A transfer unit for transferring to the web application server information related to the issued check and the payment check acquired by the banknote processing apparatus; A web application server for performing forgery verification of the payment check on the web and providing the result to the teller terminal; And a database that stores information related to the issue check and the payment check, and enables information related to the issued check corresponding to the payment check to be inquired when the forgery verification is performed in cooperation with the web application server.

The web server further includes a web server converting the forgery verification result of the payment check processed in the web application server into a format that can be displayed through a web browser and outputting the converted result to the teller terminal.

In the present invention, the information related to the issue check and the payment check may include flag information capable of distinguishing whether it is an issued check or a payment check; At least one of a visible light image, a visible light transmission image, an infrared image, and an infrared light transmission image; Sensing information detected using at least one sensor; And at least one of a check serial number, a bank, a branch, an account number, a check type, an issuance amount, an issuance date, and a money amount information as feature information printed by a general ink or magnetic ink character (MICR).

In the present invention, the bill processing apparatus includes magnetic ink character reading means for extracting information printed with magnetic ink characters (MICR).

In the present invention, the bill processing apparatus or the web application server may process at least one image of the visible light image, the visible light transmission image, the infrared image, and the infrared transmission image to extract the information printed with the magnetic ink character (MICR) .

In the present invention, the web application server may be connected to the same bank or another bank through an Internet or a bank common network.

In the present invention, the web application server compares and analyzes the information related to the issued check previously stored in the database and the information related to the payment check acquired for the forgery verification, and verifies whether the information is forged or not according to the matching rate .

In the present invention, the web application server may perform at least one of a formal forgery verification of the payment check, or a forgery verification through a check between the issued check and the payment check.

In the present invention, when the web application server receives the information related to the payment check, the web application server first carries out forgery verification of the check itself, and stores the information related to the payment check in the database when the check itself is not forged .

In the present invention, the web application server compares the check image of the issue check with the check image of each payment area according to at least one of the pixel areas and the feature areas, calculates a matching rate, And displays an image in which the feature area of the check is highlighted.

In the present invention, the web application server compares the issuance check with the sensing information of the payment check to calculate a coincidence rate, and displays the result of verification as a signal waveform or a numerical value, And outputs the output signal.

In the present invention, the teller terminal displays whether or not the information related to the issued check has been transmitted to the web application server and completed registration, and information related to the payment check is transmitted to the web application server so that forgery verification of the check is performed And displays the result of the forgery or falsification verification after the forgery or falsification verification is completed.

According to another aspect of the present invention, there is provided a method of forgery verification and management of a web-based check, comprising: obtaining information related to a payment check in a bill processing apparatus; Transmitting information related to the payment check acquired by the bill processing apparatus to a web application server; And the web application server receives the information related to the payment check and compares the information with the information related to the issued check stored in the database to perform the forgery verification.

The present invention further includes a step of converting the forgery and falsification verification result and the management result into a format that can be displayed on a web browser and outputting the converted result to the teller terminal.

In the present invention, the bill processing apparatus or the web application server may process at least one image of the visible light image, the visible light transmission image, the infrared image, and the infrared transmission image to extract the information printed with the magnetic ink character (MICR) .

In the present invention, the forgery verification may be performed by comparing and analyzing the information related to the issued check previously stored in the database in the web application server and the information related to the payment check acquired for the forgery verification, And then performing verification.

In the present invention, the forgery verification may include at least one of a forgery proof verification of the payment check, or a forgery proof verification through a check between the issue check and the payment check.

In the present invention, the web application server that has received the information related to the payment check first carries out forgery verification of the check itself, and stores the information related to the payment check in the database when the check itself is not falsified .

In the present invention, in performing the forgery verification, the web application server compares the check image of the issue check with the check image of each of the pixel regions and the feature region to calculate a matching rate, Is displayed as a numerical value or an image in which a feature area of a check is highlighted is displayed.

In the present invention, the web application server compares the issuance check with the sensing information of the payment check to calculate the coincidence rate, and when the comparison result shows that each channel or the entire average is expressed as a signal waveform Or to display it as a numerical value.

The present invention is further characterized in that when the teller terminal accesses a web application server, the web server performs authentication for a user, a bank, or a bank site for security purposes.

The present invention can acquire image and feature information of a issued check and a paid check by using a banknote processing apparatus, store and manage the image and feature information of the issued check through a specific server on the web, and provide a bank branch (or a bank) Even when the branch (or bank) is different, it is possible to verify whether the payment check is falsified through the specific server on the web, thereby improving the reliability and convenience of the forgery verification of the check.

Brief Description of the Drawings FIG. 1 is an exemplary schematic diagram of a web-based check forgery verification and management system according to an embodiment of the present invention. FIG.
FIG. 2 is an exemplary view showing a more detailed configuration of the web application server in FIG. 1; FIG.
Fig. 3 is an exemplary view showing a schematic configuration of a bill processing apparatus in Fig. 1; Fig.
FIG. 4 is a photograph for explaining the comparison between the amount information printed by the conventional dot embossing method and the amount information printed by the super-embossing method.
5 is a photograph showing a back side of a check printed with information superimposed by the super-embossing method.
FIG. 6 is a flowchart illustrating a check issuing operation using a web-based check forgery verification and management system according to an embodiment of the present invention; FIG.
FIG. 7 is a flowchart for explaining an operation of a check payment using a web-based check forgery verification and management system according to an embodiment of the present invention; FIG.
FIG. 8 is a flowchart for explaining the operation of the web application server when storing information related to checks received from the bill processing apparatus in the database in FIG. 1; FIG.
FIG. 9 is an exemplary diagram for explaining a forgery-and-corruption verification operation based on a comparison between a check issued by a web application server and a payment check in FIG. 1; FIG.
FIG. 10 is an exemplary view showing an image in which a feature region of a check is highlighted according to a result of forgery verification of a web application server in FIG. 1; FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of a web-based check forgery verification and management system and method according to the present invention will be described with reference to the accompanying drawings.

In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. In addition, the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the intention or custom of the user, the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

Hereinafter, an exemplary embodiment of the present invention will be described with reference to a method for verifying forgery and verification of a check, but the invention is not limited thereto. Forgery and falsification of various kinds of securities such as bills, bonds, securities, It should be noted that the web-based checks can be verified in the same way by applying forgery verification and management system.

FIG. 1 is an exemplary diagram showing a schematic configuration of a web-based check forgery verification and management system according to an embodiment of the present invention.

1, a web-based check forgery verification and management system according to an embodiment of the present invention includes a banknote processing apparatus 100 installed at each bank (for example, a bank A, a bank B, etc.) A web application server (WAS) 500 for performing forgery verification and management of a check on the Web, and a management server 500 for managing information (for example, a check image, (200) for transmitting the check and feature information of a check to the web application server (500), and a verification and management result of the check processed in the web application server (500) through a web browser A web server 400 for converting the format into a format that can be used for verification and management of checks and for outputting the verification to the teller terminal 300 of the requested bank site, Characteristic A beam, etc.) and a database 600 for storage.

For convenience, the banknote processing apparatus 100 is installed at each of at least one branch of each bank, and the web application server 500 is installed in an arbitrary area (for example, a bank head office, a data center of a bill processing apparatus supplier, An Internet data center of an institution (e.g., KFTC, etc.), and other Internet data centers), and is assumed to be connected through the Internet or a bank common data network 700.

And of information associated with the check, the check image is, for example, visible light (Visible Light) image (for example: VL _front - visible front, _back VL - Side visible light, a visible light transmission VLT-), IR (Infrared Ray) image (IRR _front - infrared reflection front, IRR _back - infrared reflection back, IRT - infrared transmission). At this time, the check image can be compressed by any image compression method (bmp, jpg, etc.).

The characteristic information of the check may include at least one sensor (for example, US-Ultra Sonic, UVR-Ultraviolet Radiation, UV-Ultraviolet Transmission, MG-Magnetic and CIS-Contact Image Sensor And the like). The feature information printed on the check may include at least one of a check serial number, a bank, a branch, an account number, a check type, an issue amount, an issue date, and an amount.

At this time, the feature information printed on the check includes information printed by magnetic ink character recognition (MICR) (see FIG. 10).

Therefore, in order to read the magnetic ink character (MICR), the banknote processing apparatus 100 may further include magnetic ink character reading means (not shown), and the magnetic ink character reading means It is possible to extract information printed with magnetic ink characters (MICR) through processing of the check images (e.g., VL _front / VL _back / VLT / IRR _front / IRR _back / IRT).

The system according to an embodiment of the present invention recognizes the magnetic ink component of characters printed on a check or securities through a magnetic ink character (MICR), and displays a signal waveform differently displayed according to the amount of magnetic ink contained in each character (I. E., A change in signal intensity and a signal form) are analyzed to read characters.

Hereinafter, the feature information of the check means information including both the sensing information and the printing information (including the printing information of the magnetic ink character) in one embodiment of the present invention.

The information related to the check (for example, the check image, the feature information of the check, and the like) may further include flag information that can identify whether the check is an issued check or a payment check.

The web application server 500 is connected through the repeater 200 of each bank branch and is connected to the web application server 500 via the network 200. The web application server 500 includes information related to checks (for example, issued checks and payment checks) And the like) can be received through the relay device 200. [0051] FIG. Accordingly, the web application server 500 stores information (e.g., check image, check feature information, and the like) related to the received check (i.e., issued check) in the database 600 and requests payment of the check I will manage it until.

If payment of a check is requested at an arbitrary bank branch, the web application server 500 transmits information related to a check (i.e., a check) stored in the database 600 (e.g., a check image, Information (for example, information on the check) and information related to the check (i.e., payment check) for payment (e.g., check image, check feature information, etc.) are compared and analyzed to verify whether the check (i.e., payment check)

The teller terminal 300 can receive information related to the check (that is, the check to be issued) (e.g., a check image, a feature of a check, or the like) when a bank representative (e.g., Etc.) is transmitted to the web application server 500 and managed.

In addition, the teller terminal 300 transmits information (e.g., check images, check feature information, and the like) related to the check (that is, payment check) to the web application server 500 accurately So that it can confirm whether forgery verification of the check is carried out.

The teller terminal 300 may display the forgery verification result after the forgery verification of the issue check and the payment check is completed in the web application server 500 so that the banker can confirm the result.

At this time, it is difficult for the teller terminal 300 to directly access the web application server 500, and connection and manipulation (e.g., requesting and displaying necessary information) is performed through the web server 400. That is, the teller terminal 300 can communicate with the web application server 500 through a web browser.

Meanwhile, the web server 400 may authenticate a user (or a bank or a bank) for security purposes. That is, the user ID and the password may be input through the web browser screen to perform user authentication.

FIG. 2 is an exemplary diagram showing a more detailed configuration of the web application server in FIG. 1; FIG.

2, the web application server 500 includes at least one logic layer (e.g., a first and a second logic layer) that are separated physically (or logically) (510, 520).

For example, the first logic layer 510 is a logic layer that performs a user interface (UI) function. The second logic layer 520 is a layer that performs a function for discriminating the forgery and falsification of a check (i.e., a check forgery verification process) . Of course, a logical layer that performs other independent functions in addition to the illustrated logic layer may be further included.

The at least one logic layer 510 or 520 may be included in the web application server 500 or may be separately provided outside the web application server 500.

As described above, by dividing the web application server 500 into at least one logic layer 510 or 520, it is possible to control the load concentrated on a specific logic layer, and thereby the overall load of the web application server 500 Can be dispersed.

For example, if the amount of check image information to be processed by the web application server 500 is large, load processing can be distributed, thereby facilitating processing for checking forgery and falsification of checks (i.e., check forgery verification processing) .

1, the web server 400 and the web application server 500 are separately configured. However, if the system according to an exemplary embodiment of the present invention is configured in a small size, the web server 400 and the web application server 500 And the web application server 500 may be integrated into one server. For example, the web server 400 may also implement the function of the web application server 500.

Fig. 3 is an exemplary diagram showing a schematic configuration of a bill processing apparatus in Fig. 1. Fig.

3, the bill processing apparatus 100 includes a loading unit 110, a carrying unit 120, a pocket unit 130, a photographing unit 140, an information detecting unit 150, an encrypting unit 160 A storage unit 170, a communication unit 180, and a control unit 190.

The loading section 110 is supplied with at least one check.

The transport unit 120 separates the checks supplied from the charging unit 110 one by one and transfers the checks to the pocket unit 130. At this time, the bill processing apparatus 100 can verify whether the check is forged or not in the process of transferring the check.

The pocket unit 130 classifies the checks and genuine checks forged according to the forgery verification result of the supplied checks, and loads the checks and pockets for each pocket.

At this time, the forged check may be a check that has been forged according to a shape (e.g., a paper material, a printing form of letters or numbers, a kind of ink, a printing form, etc.), information printed on the original check (e.g., , Issuance amount, issuance date, issuance point, MICR, etc.) are forged checks. Whether or not the shape is forged can be verified by the bill processing apparatus 100 itself. In addition, forgery and falsification that can not be verified by the bill processing apparatus 100 (for example, Forgery verification) can be verified by interlocking with the web application server 500. [

The bill processing apparatus 100 simply acquires information (e.g., a check image, a check feature information, and the like) related to the check (i.e., the issue check and the payment check) and transmits the information to the web application server 500, The web application server 500 may perform both the formal forgery verification of the check and the forgery verification through the verification of the issued check and the payment check. On the other hand, the bill processing apparatus 100 may be configured to transmit the acquired check related information to a computer network (e.g., financial institution DB) of a government agency, and receive the verification result of forgery or falsification through image comparison. However, the present embodiment will be described with reference to a configuration example including the web application server 500. FIG.

The pocket portion 130 may include at least one pocket.

The photographing unit 140 photographs (or scans) a check image (or a check image) of the checks to be transferred. At this time, the taken check image (or check image) can be photographed as a general image or a special image.

Here, the general image refers to an image photographed using a general digital image sensor, and the special image is obtained by photographing a reaction when a special ray such as an infrared ray image, an ultraviolet ray reaction image, a magnetic reaction image, (E.g., a reflection image, a transmission image, and the like). Also, the check image (or check image) may be photographed as a two-dimensional plane image or a three-dimensional image.

The photographing unit 140 may photograph a whole image of the checks or only a partial image necessary for forgery verification. For example, the entire image includes both front and back images of a check.

The information detecting unit 150 recognizes the numbers or characters included in each check image taken by the photographing unit 140 and reads the feature information printed on the check. For example, the feature information printed on the check may include at least one of a check serial number, a bank, a branch, an account number, a check type, an issue amount, an issue date, and an MICR.

The encryption unit 160 encrypts each check image photographed by the photographing unit 140 using an arbitrary encryption method. It is possible to prevent the check image from being edited or forged by the hacking or bank official through the encryption of the check image.

Also, the encryption unit 160 may encrypt the feature information related to the check detected by the information detection unit 150 using an arbitrary encryption method. The feature information can be protected from hacking while transmitting to the web application server 500 through the encryption of the feature information related to the check.

The storage unit 170 may store the check images or the encrypted check images taken by the photographing unit 140. [ Also, the storage unit 170 may store the feature information related to the check, or the feature information related to the encrypted check. At this time, the check image (or the encrypted check image) and the feature information related to each check (or the feature information related to the encrypted check) may be linked to each other.

The communication unit 180 communicates with the web application server 500 for a forgery verification of a check. Also, the communication unit 180 may communicate with the web application server 500 through the relay 200.

The communication unit 180 transmits the check image (or the encrypted check image) photographed by the photographing unit 140 and the feature information related to each check (or the feature information related to the encrypted check) To the application server 500.

The communication unit 180 may transmit a signal requesting a check image (or feature information of an issue check) of the issue check managed in the web application server 500. [

The control unit 190 controls the configuration means 110 to 180 of the bill processing apparatus 100 as a whole.

The control unit 190 verifies whether the checks are forged or not, and transmits the check image photographed in the forgery verification process to the web application server 500, The server 500 verifies whether the feature information of the received checks is forged or not.

At this time, if the check image (or feature information of the check) is encrypted, the web application server 500 first decrypts the check image (or check feature information), and then checks whether the check image is forged or not.

The control unit 190 may receive the forgery verification result of the checks from the web application server 500. [ According to the forgery proofing result, the controller 190 can classify the checks into genuine checks and forgery checks, and transfer and load them into designated pockets. Similarly, in the case where the bill processor 100 itself checks whether forged checks are forged or not, the controller 190 may sort the checks into genuine checks and forgery checks and transfer them to a designated pocket and load them .

Meanwhile, the check may be applied to a method of blocking forgery and falsification in the issuing step. For example, when issuing a check, the information to be printed on the check can be stamped with an embossing strong issuer. As described above, when stamping with the embossing strong issuing machine, it is possible to more easily verify forgery verification of the check image.

4 is a photograph for explaining the comparison between the amount information printed by the conventional dot embossing method and the amount information printed by the super embossing method.

4 (a) is a photograph showing the amount information printed by the conventional dot embossing method, and FIG. 4 (b) is a photograph showing the amount information printed by the super-embossing method.

The conventional depth embossing method shown in FIG. 4 (a) has a depth depth of 0.1 mm to 0.2 mm. When embossing is removed by rubbing with a nail or a ballpoint pen several times, forgery and falsification is easy. On the other hand, the depth of depth of the super-embossing method is 0.4 mm to 0.9 mm, which is advantageous in that the embossing can not be easily extinguished even using a physical tool.

Also, as shown in FIG. 5, in the super-embossing method, micro-perforations are generated in stamp information (e.g., issuance amount), thereby preventing forgery and falsification of the liquid surface issue amount.

FIG. 5 is a photograph showing the back side of the check printed with the information stamped by the super-embossing method, and it can be confirmed that fine punched holes are formed at regular intervals in the stamped numbers. The microperforation can be visually confirmed by light on the opposite side of the check.

6 is a flowchart illustrating a check issuing operation using a web-based check forgery verification and management system according to an embodiment of the present invention.

As shown in FIG. 6, the banknote processing apparatus 100 may be provided with information (for example, a check image, a feature of a check, or the like) related to a check Information, etc.). Then, information (e.g., check image, check feature information, etc.) related to the acquired issued check is transmitted to the web application server 500 (S101). At this time, information on a check issuer (that is, depositor information) may be additionally transmitted.

At this time, information related to the issued check (for example, a check image, check feature information, and the like) acquired by the banknote processing apparatus 100 may be transmitted to the web application server 500 through the relay 200. (For example, a check image, a check feature information, and the like) directly to the web application server 500 by the bill processing apparatus 100. [

Information (e.g., check images, check feature information, etc.) related to the issued checks transmitted to the web application server 500 is stored in the database 600 and managed through the web application server 500.

At this time, when information related to the issue check (e.g., a check image, check feature information, etc.) is stored in the database 600, the web application server 500 transmits the completion information to the teller terminal 300 (S102). At this time, the web application server 500 can transmit the completion information to the banknote processing apparatus 100 through the repeater 200 as well.

Here, the completion information may be directly transmitted from the web application server 500 to the teller terminal 300, but may be transmitted to the teller terminal 300 through the web server 400 as in the embodiment of the present invention. Or may be converted into a format that can be displayed on a web browser and transmitted.

Meanwhile, a separate management request (or registration request) may be performed in order to transmit information related to the issued check (e.g., check image, check feature information, etc.) to the web application server 500 and manage the same. The management request (or registration request) may be performed using any button or menu provided in the bill processing apparatus 100, or through the teller terminal 300.

In step S103, the teller terminal 300 displays whether the information related to the issue check (e.g., the check image, the check feature information, etc.) is normally stored and registered in the web application server 500. FIG.

Further, the teller terminal 300 displays information (e.g., check images, check feature information, etc.) related to the issue check stored in the web application server 500 on the screen so that the user can visually confirm the information.

FIG. 7 is a flow chart for explaining operations at check payment using a web-based check forgery verification and management system according to an embodiment of the present invention.

As shown in FIG. 7, the bill processing apparatus 100 is configured to receive information (for example, a check image, a feature of a check, or the like) related to a check Information, etc.). And transmits information (e.g., check image, check feature information, etc.) related to the obtained payment check to the web application server 500 (S201).

Information related to the payment check (for example, a check image, check feature information, and the like) acquired by the bill processing apparatus 100 is transmitted to the web application server 500 through the relay device 200 Or transmits information (for example, a check image, check feature information, and the like) related to the payment check directly to the web application server 500 in the banknote processing apparatus 100.

(E.g., check image, check feature information, etc.) related to the payment check transmitted to the web application server 500 is stored in the database 600. [

At this time, the web application server 500 performs forgery verification of the payment check by comparing information related to the payment check stored in the database 600 with information related to the payment check (S202).

8, when the information related to the payment check (e.g., check image, check feature information, etc.) is received (S301), the web application server 500 transmits information Processing is performed (S302).

For example, the information processing process includes at least one of image processing, pre-processing, recognition, and extraction meta data. That is, the region of interest (ROI) in the check is detected through the information processing process, and the character and metadata are extracted by binarizing the ROI.

Next, the web application server 500 uses the extracted characters and meta data to verify the shape of a check (e.g., paper material, printing form of letters or numbers, ink type, printing form, etc.) (E.g., the check serial number, the issuance amount, the issuance date, the issuance point, the MICR, etc.) printed on the paper (S303).

That is, the web application server 500 performs the forgery verification operation that is performed by the bill processing apparatus 100 itself.

When the forgery check of the payment check is completed as described above, information related to the payment check (e.g., a check image, feature information of the check, etc.) is stored in the database 600. At this time, information related to the payment check Image, check feature information, etc.) can be compressed (S304).

At this time, since the feature information of the check is not large in capacity, it is stored in the form of raw data, and only the check image having a large capacity can be compressed and stored.

When the forgery verification of the payment check itself is completed as described above, the information related to the payment check (e.g., the check image, the check feature information, etc.) is stored in the database 600 (S305).

When the forgery verification of the payment check itself is completed as described above, the forgery verification is performed by checking the information related to the issued check against information related to the payment check.

For example, as shown in (a) of FIG. 9, the check images (for example, VL _front / VL _back / VLT / IRR _front / IRR _back / IRT) And displays the comparison result (e.g., matching rate = 80%) as a numerical value or an image in which the feature region of the check is highlighted on the screen.

The highlight image is as shown in FIG.

At least one sensor (for example, US, UVR, UVT, MG, CIS sensor, etc.) mounted on the banknote processing apparatus 100, as shown in FIGS. 9B, 9C, And outputs the result of the comparison as a waveform or a numerical value for each channel or overall average.

FIG. 9 (b) is an exemplary diagram showing waveforms obtained by comparing and analyzing US waveforms for respective channels of issued checks and payment checks using 16 channel ultrasonic sensors (US _ch1-ch16 ), and FIG. 9 (c) 9 (d) shows waveforms obtained by comparing and analyzing the mean waveforms of the component values of each channel of the issue check and the payment check by using the three-channel magnetic sensor (MG _ch1-ch3 ) (For example, UVR and UVT) to compare the average waveforms of the component values of respective positions of the issue check and the payment check.

When the forgery proof verification is completed by checking the information related to the issue check and the information related to the payment check as described above, the forgery verification result is transmitted to the teller terminal 300 (S202), as shown in FIG.

Then, the teller terminal 300 displays the forgery verification result transmitted from the web application server 500 (S203).

For example, when the check is forged, the teller terminal 300 displays verification result information (e.g., information of a forged part such as date modulation, issuance amount modulation, check serial number modulation, etc.).

10, the teller terminal 300 displays images (e.g., circles, squares, underlines, etc.) highlighted in the feature region of the check according to the forgery proofing result, The matching area and the matching rate of the user can be directly checked by the user.

If it is difficult for the web application server 500 to verify the forgery of the check (for example, when it is difficult to automatically verify the web application server according to the degree of damage of the check), the web application server 500 automatically To the teller terminal (300). Accordingly, the information related to the issued check and the information related to the payment check may be displayed on the teller terminal 300 so that the bank representative can directly check the comparison.

As described above, the web-based check forgery verification and management system according to the embodiment of the present invention can compare and analyze the web-based check even if the check is issued by the same bank or another bank, So that the forgery verification and the integrated management of the check can be easily processed using the bill processing apparatus and the web based system.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, I will understand the point. Accordingly, the technical scope of the present invention should be defined by the following claims.

100: banknote processing apparatus 110:
120: Transport section 130: Pocket section
140: photographing unit 150: information detecting unit
160: encryption unit 170:
180: communication unit 190:
200: repeater 300: teller terminal
400: Web server 500: Web application server
600: Database (DB) 700: Bank joint computer network

Claims (22)

A bill processing apparatus for acquiring information related to a issued check or a paid check and transmitting the acquired information to a web application server;
A web application server for performing forgery verification of the payment check on the web and providing the result to the teller terminal; And
And a database configured to store information related to the issue check and the payment check and to inquire information related to the issued check corresponding to the payment check at the time of forgery verification in cooperation with the web application server Check forgery verification and management system.
The method according to claim 1,
And a web server for converting the forgery verification result of the payment check processed in the web application server into a format that can be displayed through a web browser and outputting the converted result to the teller terminal. Management system.
The information processing apparatus according to claim 1, wherein the information related to the issue check and the payment check includes:
Flag information that can distinguish whether it is an issue check or a payment check;
At least one of a visible light image, a visible light transmission image, an infrared image, and an infrared light transmission image;
Sensing information detected using at least one sensor; And
Characterized by comprising at least one of a check serial number, a bank, a branch, an account number, a check type, an issuance amount, an issuance date, and an amount of money information as characteristic information printed by a general ink or magnetic ink character (MICR) Check forgery verification and management system.
The bill processing apparatus according to claim 1,
And a magnetic ink character reading means for extracting information printed with magnetic ink characters (MICR).
The bill processing apparatus according to claim 1,
Wherein the at least one image of the visible light image, the visible light transmission image, the infrared image, and the infrared ray transmission image is processed to extract information printed with magnetic ink characters (MICR).
The web application server according to claim 1,
Wherein the control unit is configured to be connected to the same bank or another bank through an Internet or a bank common network.
The web application server according to claim 1,
Wherein the information on the issue check stored in the database is compared with information related to the payment check acquired for the forgery verification and the forgery proof is verified according to the matching rate. .
The web application server according to claim 1,
Wherein the at least one of the forgery proof verification of the payment check or the forgery verification verification by checking the payment check against the payment check is performed.
The web application server according to claim 1,
If the information related to the payment check is transmitted, the forgery proof verification of the check itself is performed first, and when the check itself is not forged, the information related to the payment check is stored in the database. Management system.
The web application server according to claim 1,
The check image comparing unit compares the check image of the issue check and the check image of the payment check according to at least one of each pixel area and the feature area to calculate a matching rate and displays the matching rate according to the comparison result as a numerical value, Wherein the web-based check is a web-based web page.
The web application server according to claim 1,
And the verification result is outputted so as to display a signal waveform or a numerical value for each channel or the entire average as a result of the comparison. Forgery verification and management system.
2. The teler terminal according to claim 1,
The information related to the issued check is transmitted to the web application server to indicate whether or not the registration has been completed, the information related to the payment check is transmitted to the web application server so that it can be verified whether forgery verification of the check is performed, And displays a result of the forgery verification on completion of the web-based check.
Acquiring information related to the payment check from the bill processing apparatus;
Transmitting information related to the payment check acquired by the bill processing apparatus to a web application server; And
Wherein the web application server receives the information related to the payment check and compares the information with information related to the issued check stored in the database to perform forgery verification.
14. The method of claim 13,
And converting the forgery verification result and the management result into a format that can be displayed on a web browser by the web server and outputting the converted result to the teller terminal.
14. The bill processing apparatus according to claim 13,
Wherein at least one of the visible light image, the visible light transmission image, the infrared image, and the infrared light transmission image is processed to extract information printed with magnetic ink characters (MICR).
14. The method according to claim 13,
The web application server compares and analyzes the information related to the issued check that has been stored in the database and information related to the payment check acquired for the forgery verification, and verifies whether the web page is forged or not according to the matching rate. How to verify and manage forgery and modification of web - based checks.
14. The method according to claim 13,
Wherein the at least one of the forgery verification of the payment check and the forgery verification through the verification of the issued check against the payment check is included.
14. The method of claim 13,
Wherein the web application server that has received the information related to the payment check first performs forgery verification of the check itself and stores the information related to the payment check in the database when the check is not falsified. How to verify and manage forgery and alteration.
14. The method according to claim 13, wherein in performing the forgery verification,
The web application server compares the check image of the issue check with the check image of each payment area for each pixel area and calculates the matching rate, displays the matching rate according to the comparison result as a numerical value, or highlights the characteristic area of the check And displaying the web-based check for verification and management.
14. The method according to claim 13, wherein in performing the forgery verification,
Wherein the web application server compares the issued check with the sensing information of the payment check to calculate a coincidence rate, and outputs the coincidence rate as a signal waveform or a numerical value for each channel or overall average as a result of the comparison How to verify and manage forgery and alteration.
14. The method of claim 13,
A method for verifying and managing a web-based check, comprising the steps of: when a teller terminal accesses a web application server, the web server performs authentication for a user, a bank, or a bank branch for security purposes.
The method according to claim 1,
And a repeater for transmitting information related to the issued check and payment check acquired by the bill processing apparatus to the web application server.

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