浅谈银行电子支付密码系统实现方案

随着银行电子化的发展和业务量的增长，票据诈骗案件频发，传统的手工验证印鉴真伪和票据合法性的方式已经成为制约银行业务发展的障碍。针对传统的票据验证方式防伪能力差、结算效率低、资金风险难以控制等缺点，构建电子支付密码系统可以确保票据业务的安全性和高效性。

Bank Electronic Payment Cipher System

With the development of electronic banking and business volume growth, bills fraud cases occur frequently. The traditional method of manual verification of seals and bills has become an obstacle to the develop-ment of banking business. Traditional bill authentication methods have many disadvantages, such as poor security, low efficiency of settlement, with financial risk being difficult to control. To solve these problems, construction of electronic payment cipher system can ensure the safety, efficiency of bill business.