The Commercial Bank Check Image System Research And Development

With the development of science and technology especially the computer and thedevelopment of modern network, bank cheque exchange and clearing mode fromtraditional physical instruments exchange change on electronic data and informationtransfer, the integrated use of imaging techniques and the payment passwordtechnology check image system, compared with the traditional way which has lots ofadvantages, are increasingly used, this paper presents a practical joint-stockcommercial bank check image system.This article through the check image technology, the use of electronic informationtechnology the real image into electronic data through the network transmission, andthe use of the relevant business system for clearing business processing technology, itand people in small system has close relationship with, processing, remote, peer, crosslines of cheque exchange, including the proposed to image information extraction(exchange) to request payment, mention, in after checking, rely on small systempayment service return receipt message to complete the payment.The paper first elaborated the commercial bank check image system background,analyzed the domestic and foreign check image system of current business andinformation technology related theory. Research on the commercial bank check imagesystem the definition of software the overall function, system interface and theattributes of the data; dividing the basic structure of the procedure, the procedurename and function, in order to facilitate software detailed design and programming.Based on the actual image system for example, the check image exchange systembusiness flow, system structure, design are discussed, the entire design scheme.Ultimately achieve and lines of the national check image exchange system butt,complete the image acquisition, seal verification, bill image review and otherfunctions.The results of research in this paper will achieve the check image system and the people’s Bank of the national check image exchange system, the small-amountpayment system, accounting system the successful docking, achieve high efficiency,high stability and modernization of the check image system.