电子支票系统的反欺诈取证研究  

Research on anti-fraud forensics of electronic cheque system

作　　者：张萍 何毅俊 Zhang Ping;He Yijun(Department of Network and Information Security,Guangdong Police College,Guangzhou,Guangdong 510230,China;Hong Kong R&D Centre for Logistics and Supply Chain Management Enabling Technologies)

机构地区：[1]广东警官学院网络信息安全系,广东广州5102301 [2]香港物流及供应链管理应用技术研发中心

出　　处：《计算机时代》2021年第8期32-36,41,共6页Computer Era

基　　金：广东省教育厅青年创新人才类项目(2018KQNCX175);教育部科技发展中心高校产学研创新基金项目(2018A01002)。

摘　　要：香港于2015年12月在中国银行(香港)、香港上海汇丰银行、恒生银行等九家银行推出电子支票服务。电子支票是纸张支票电子化和网络化的对应物,开票及入票程序可在网络系统中闭环进行,具有系统高度自动化,方便快捷,成本低廉的特点。虽然其他国家数年前开始研究电子支票,但是因为安全性问题,使得电子支票被延迟数年后才被香港首次应用于日常生活。通过研究香港的电子支票系统,发现了系统中可能出现的多种欺诈行为,提出了基于区块链技术的解决方案。Electronic cheque is rolled out in Hong Kong in December 2015.Nine banks such as Bank of China(Hong Kong),The Hongkong and Shanghai Banking Corporation,and Hang Seng Bank,etc.offer the e-Cheque services.The electronic cheque is an electronic and network counterpart of the paper cheque,and the procedure of issuing and entering of cheques can be carried out in a closed loop in the network system.It has a number of new strengths:a high level of system automation,convenient and efficient,low cost.While other countries began to study the electronic cheque some years ago,but because of some security issues,electronic cheque was delayed for several years before it was first time used in daily life in Hong Kong.By studying the electronic cheque system in Hong Kong,a variety of frauds that may arise in the system are found,and the solution based on block-chain technology is proposed accordingly.

关 键 词：电子支票 反欺诈 电子取证 区块链 

分 类 号：TP302.1[自动化与计算机技术—计算机系统结构] F713.36[自动化与计算机技术—计算机科学与技术]