GB/T 20206-2025Technical specification for banking seal verification system (English PDF)

Foreword

This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for standardization work Part 1: Structure and drafting rules for standardization documents" Drafting.

This document replaces GB/T 20206-2006 "Technical Specifications for Seal Verification Systems in the Banking Industry".

In addition to structural adjustments and editorial changes, the main technical changes are as follows.

a) Added "Seal Requirements" (see 4.1.1);

b) "Video recording equipment" has been changed (see 4.2.2, 4.5.2 of the 2006 edition);

c) The “Performance indicators of video recording equipment” has been modified (see 4.2.2.3, 4.5.2.4 of the 2006 edition);

d) Added “image processing technology” (see 4.3);

e) Changed the "Fake Seal Performance Indicators" (see 4.4.2, 4.6.2 of the 2006 edition);

f) Added "Code Seal Verification" (see 4.4.4);

g) Changed the "Artificial Intelligence Algorithm Performance Indicators" (see 4.4.6, 4.6.7 of the 2006 edition);

h) Added "Modeling Management" (see Chapter 5);

i) Added "Electronic Standard Seal Database", "Seal Network Operation and Management Mode", "Operation Mechanism", "Localization Environment", "Support for Multiple Language" "System BS Architecture" (see 6.1, 6.4, 6.5, 6.6, 6.7, 6.8);

j) The "System Operating Environment Indicators" has been modified (see 6.11, 4.6.7 of the 2006 edition);

k) "Test preparation" has been changed (see 7.2, 6.1 of the 2006 edition);

l) The “Test method” has been changed (see 7.3, 6.2 of the 2006 edition).

Please note that some of the contents of this document may involve patents. The issuing organization of this document does not assume the responsibility for identifying patents.

This document is proposed and coordinated by the National Anti-Counterfeiting Standardization Technical Committee (SAC/TC218).

This document was drafted by: China Banknote Printing Technology Research Institute Co., Ltd., Beijing Xinwanjia Technology Development Co., Ltd., Weirong Technology Co., Ltd.

Co., Ltd., Juwang Technology Co., Ltd., Beijing Lilian Technology Co., Ltd., Zhongchuang Yinxin (Beijing) Technology Development Co., Ltd., Henan Urban Construction University Institute, Shandong New Beiyang Information Technology Co., Ltd., Weihai New Beiyang Rongxin Technology Co., Ltd., Weihai Hualing Optoelectronics Co., Ltd.

Co., Ltd., Guangdong Jingdian Data Technology Co., Ltd., Anhui Yunxi Quantum Technology Co., Ltd., Shanghai Anti-Counterfeiting Technology Product Evaluation Center, Zhongjia Institute (Beijing) Testing and Certification Co., Ltd.

The main drafters of this document are: Zhang Jian, Huan Huixiang, Liu Jinliang, Hu Shangwei, Lu Jibing, Wei Fangxin, Sang Haiming, Zhang Jiangang, Zhang Mingyang, Wan Linwei, Jiang Xiaojun, Wang Guoqiang, Wang Hui, Xu Gezhao, Sun Changjun, Xu Hong, Xu Feiyue, Tong Yingwei, Qi Xin, Zhuang Leyan, Li Qingfa, Deng Xiaopeng, Luo Jun, Yang Liyun.

The previous versions of this document and the documents it replaces are as follows.

— First published in 2006 as GB/T 20206-2006;

— This is the first revision.

Introduction

Articles 1 and 7 of Chapter 1 of the Bills of Exchange Law of the People’s Republic of China, promulgated on May 10, 1995, clearly stipulate that. “In order to regulate Bills of exchange, to protect the legitimate rights and interests of the parties involved in bills of exchange, to maintain economic order, to promote the development of the socialist market economy, "And "the signature on the bill is a signature, a stamp, or a signature plus a stamp." Therefore, in the domestic economic and circulation fields, stamping and signature It is the only legal payment order for customers when using bills to settle funds. Due to the influence of Chinese historical and traditional culture, the use of bills for settlement in China The main method of payment is stamping.

With the development of China's economy, the volume of banking business has increased rapidly, and the amount of bills processed has become increasingly larger.

The traditional bank seal verification method is that the bank teller folds the corner of the seal to be tested on the bill and compares the corner line with the corresponding position of the reserved seal.

Manual positioning is performed and then the comparison is completed by visual inspection. This method leads to inconsistent verification standards, low verification accuracy, and difficulty in ensuring verification.

If there is any misjudgment of quality, it will bring great economic and reputation losses to the bank and the customer.

In terms of seal cards, there is a lack of safe, convenient and standardized management methods. At the same time, the verification speed is slow, the reserved seal cards are difficult to transfer, and the seals of bills between different places are difficult to pass.

The authenticity of banknotes is very difficult to determine, and the inability to carry out corporate deposits and withdrawals has seriously restricted the development of banking business.

In 2006, with the release of GB/T 20206-2006 “Technical Specifications for Banking Seal Verification System”, the banking seal verification technology was fully implemented.

The reserved seal card is electronically archived and shared, which enables the network and remote location of the bill seal to be tested.

Verification, completed the public business deposit and withdrawal processing function, in the check image system, reconciliation system, credit system, counter system, back-end centralized processing In short, the implementation of this document provides technical guidance for the business development of banks.

First, ensure the security of fund settlement and control the occurrence of criminal cases; second, improve work efficiency and reduce operating costs.

Summarizing nearly 20 years of experience in standard implementation, this revision further unifies design standards, algorithm performance indicators and implementation specifications, adopting a more Scientific and effective management methods, standardize seal verification technology, unify technical levels at all levels, and effectively ensure the security of bank funds settlement; formulate seal verification technology The technical requirements and evaluation contents of the verification also provide a basis for product liability insurance.

In order to select better seal verification system products, it aims to provide more comprehensive evaluation basis and guidance for functionality, security and compatibility.

The technical focus of this standard revision is. acquisition equipment, image processing technology, artificial intelligence algorithm, modeling quality control, and authenticity judgment.

Continuous training, shared network management, system operating environment, and evaluation methods.

1 Scope

This document specifies the system design, hardware production, system functions, technical performance, system deployment, operation training, and other aspects of the banking seal verification system.

The technical requirements for the training and operating environment are given, and the system classification and test evaluation methods are provided.

This document applies to the hardware production and performance, artificial intelligence algorithm technical indicators, software compilation and performance of the banking industry seal verification system.

And application level testing and grade evaluation in terms of operating environment reliability and efficiency.

2 Normative references

GB/T 17142-2008

GB/T 18788-2008

GB/T 20271-2006

GB/T 22806-2008

3 Terms and Definitions

The following terms and definitions apply to this document.