Cheque safety authentication method

Abstract

A cheque safety authentication method comprising the establishment of cheque authentication organ is provided, which is characterized in that: a cheque payment party applies an authentication code from authentication organ; then, the cheque payment party writes down the authentication code on designated position of the cheque; a cheque receiving party distinguishes the authenticity of cheque or the payment sum by inquiring the cheque authentication organ with the authentication code as well as asks the cheque authentication organ to keep the funds; then, the cheque authentication organ notifies the bank to keep the funds; then, the bank keeps the funds; then, the cheque receiving party redeposits the funds with the cheque. Therefore, the method, which prevents the risk in using cheque and verifies the authenticity of cheque and funds status, facilitates the expanded application of cheque, ensures more scientific, standardized, automatic management of cheque, enhances the security in using funds and realizes convenient, express and efficient application.

Description

technical field [0001] The invention relates to checks, mainly referring to a check security authentication method. Background technique [0002] Checks (including cash checks and transfer checks) are an important means and form for people to pay funds, especially for large-amount and long-distance use of off-site checks, which have the advantages of safety and portability. Due to the particularity and irreplaceability of checks, they are widely used. However, a check is only a certificate of capital flow, and its collection and settlement are all in the bank. There will be some problems: such as the authenticity of the check, whether there is money in the account of the check-out party, even if there is money, from the check to the bank. It takes a long time for the bank to transfer the funds to the face of the bank. Therefore, in most cases, the receiver of the check will not dare to deliver the goods until the funds are transferred to his own account. This will undoubtedl...

AI Technical Summary

Problems solved by technology

However, a check is only a certificate of capital flow, and its collection and settlement are all in the bank. There will be some problems: such as the authenticity of the check, whether there is money in the account of the check-out party, even if there is money, from the check to the bank. It takes a long time for the bank to transfer the funds to the face of the bank. Therefore, in most cases, the receiver of the check will not dare to deliver the goods until the funds are transferred to his own account. This will undoubtedly not only delay time, but also affect efficiency. It brings inconvenience, seriously restricts the development of large-scale use of checks, and affects the construction of a good economic environment in our country