Digital signature system and method for bills and receipts

Abstract

The invention discloses a system and method applied to digital signature of bill voucher, mainly comprising user terminal, user instruction verification and bill voucher digital signature generating center, bill voucher digital signature verification center, and issuing verification terminal, where the user terminal adopts the existing handset, fixed telephone, computer or other communication network terminal to send out user instruction, after the user instruction is confirmed by the user instruction verification and bill voucher digital signature generating center, the digital signature of bill voucher is generated for user and is transmitted through communication link to the user terminal, the user terminal fills the digital signature in the bill, which is given to an accepter, the acceptor verifies and confirms the digital signature by the bill voucher digital signature verification center. And the invention can be used to the operating service of various bill vouchers.

Description

technical field [0001] The invention belongs to the technical field of telecommunication and relates to the transmission of digital information, in particular to a digital signature system and method for bills and vouchers, which can be used in fields such as finance, taxation, securities, and customs where various bills and vouchers are widely used. Background technique [0002] With the development of the economy, higher and higher requirements are put forward for the security and operation efficiency of various bills and vouchers. At present, the method of confirming the authenticity of the check is mainly to check the official seal on the bill, which requires the bill to be verified and settled at the account opening outlet with the reserved seal, which not only limits the real-time performance of bill payment, but also has high cost, low efficiency, and The security is low, especially the operation of personal bills is difficult to realize. Although the current bank ha...

AI Technical Summary

Problems solved by technology

[0009] (1) The user must have at least one special device for generating digital signatures of bill certificates, that is, a payment cipher, and the cost of this special device is relatively high, resulting in increased user costs;

[0010] (2) If the user needs to issue bills and certificates anytime and anywhere, especially personal bills and certificates, he must carry this special device with a single function on his body, which is very inconvenient;

[0011] (3) Since the special equipment does not have the communication function, it cannot get the online service of the system

[0012] In view of these problems, although the People's Bank of China and major professional banks have spent a lot of effort to promote the payment encryption system, the effect has been minimal in the past ten years, especially for individual users. The loss caused by the enterprise is more than 1 billion yuan every year

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