‫‪۱‬‬

‫ﻣﻌﺮﻓﻲ ﻳﻚ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺟﺪﻳﺪ ﺑﺮﺍﻱ ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚ ﻫﺎﻱ ﺑﺎﻧﻜﻲ‬

‫ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ‬
‫*‬
‫ﺭﻭﺡ ﺍﻟﻪ ﺍﺳﺪﻱ ﻗﺠﺮﻟﻮ‪ ،‬ﻓﺮﺯﺍﻧﻪ ﺑﺎﺳﺘﺎﻧﻲ‪ ،‬ﺟﻮﺍﺩ ﺻﺪﺭﻱ‬
‫ﮔﺮﻭﻩ ﻣﻬﻨﺪﺳﻲ ﻛﺎﻣﭙﻴﻮﺗﺮ‪ ،‬ﺩﺍﻧﺸﻜﺪﻩ ﻣﻬﻨﺪﺳﻲ ﺑﺮﻕ ﻭ ﻛﺎﻣﭙﻴﻮﺗﺮ ‪ ،‬ﺩﺍﻧﺸﮕﺎﻩ ﺑﻴﺮﺟﻨﺪ ‪ ،‬ﺑﻴﺮﺟﻨﺪ‪ ،‬ﺍﻳﺮﺍﻥ‪ ،‬ﺻﻨﺪﻭﻕ ﭘﺴﺘﻲ‪۹۷۱۷۵-۶۱۵ :‬‬
‫ﭘﺴﺖ ﺍﻟﻜﺘﺮﻭﻧﻴﻚ ‪{Rohollah_Asadi@yahoo.com, FarzaneBastani@yahoo.com, Javad.Sadri@cs.mcgill.ca} :‬‬
‫*‪ :‬ﻧﻮﻳﺴﻨﺪﻩ ﻣﺴﺌﻮﻝ‬
‫*‬
‫‪‬‬

‫ﺩﺳﺘﺮﺳﻲ ﺑﻪ ﭼﻚﻫﺎﻱ ﻭﺍﻗﻌﻲ‪ :‬ﺍﻳﻦ ﻣﺸﻜﻞ ﺑﺎﻋﺚ ﻣﻲﺷﻮﺩ ﻛﻪ ﻣﺤﻘﻘﻴﻦ ﺑﺎ ﺗﻬﻴﻪ‬ ‫ﺩﺭ ﺍﻳﻦ ﻣﻘﺎﻟﻪ ﺍﻭﻟﻴﻦ ﻗﺪﻡ ﺍﺳﺎﺳﻲ ﺩﺭ ﺟﻬﺖ ﺍﻳﺠﺎﺩ ﻳﻚ ﺳﻴﺴﺘﻢ ﺗﺸﺨﻴﺺ‬ ‫ﭼﻜﻴﺪﻩ‪-‬‬
‫ﻓﺮﻡﻫﺎﻳﻲ ﺑﻪ ﺟﻤﻊﺁﻭﺭﻱ ﺩﺍﺩﻩﻫﺎﻱ ﻣﺼﻨﻮﻋﻲ ﺑﻪ ﺟﺎﻱ ﺍﺳﺘﻔﺎﺩﻩ ﺍﺯ ﺗﺼﺎﻭﻳﺮ‬ ‫ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ ﺑﺮﺩﺍﺷﺘﻪ ﺷﺪﻩ ﻭ ﻳﻚ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺟﺎﻣﻊ ﺍﺯ‬

‫ﭼﻚﻫﺎﻱ ﻭﺍﻗﻌﻲ ﺑﭙﺮﺩﺍﺯﻧ ﺪ‪ ،‬ﻛﻪ ﻣﺘﺎﺳﻔﺎﻧﻪ ﺍﻳﻦ ﺩﺍﺩﻩﻫﺎ ﺧﺼﻮﺻﻴﺎﺕ ﺩﺍﺩﻩﻫﺎﻱ ﻭﺍﻗﻌﻲ‬ ‫ﺗﺼﺎﻭﻳﺮ ﭼﻚﻫﺎﻱ ﻭﺍﻗﻌﻲ ﺑﺎﻧﻜﻲ ﻓﺎﺭﺳﻲ ﺍﻳﺠﺎﺩ ﮔﺮﺩﻳﺪﻩ ﺍﺳﺖ‪ .‬ﻓﻴﻠﺪﻫﺎﻱ ﻣﻮﺟﻮﺩ ﺩﺭ ﺍﻳﻦ‬
‫ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ‪ ،‬ﺍﺯ ﺗﺼﺎﻭﻳﺮ ﺍﺳﻜﻦ ﺷﺪﻩ ﺑﻴﺶ ﺍﺯ ‪ ۲۰۰۰‬ﭼﻚ ﻭﺍﻗﻌﻲ ﺭﺍﻳﺞ ﺩﺭ ﺳﻴﺴﺘﻢ ﺑﺎﻧﻜﻲ‬
‫ﭼﻚ ﺭﺍ ﻧﺪﺍﺭﻧﺪ ‪ .‬ﺩﺭ ﻭﺍﻗﻊ ﻳﻜﻲ ﺍﺯ ﻣﺸﻜﻼﺕ ﺍﺳ ﺎﺳﻲ ﺩﺭ ﺯﻣﻴﻨﻪ ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ‬
‫ﺍﻳﺮﺍﻥ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺍﻧﺪ ﻛﻪ ﺷﺎﻣﻞ ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ‪ ،‬ﻣﺒﻠﻎ ﻋﺪﺩﻱ‪ ،‬ﻭ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﻫﺴﺘﻨﺪ‪.‬‬
‫ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻓﺎﺭﺳﻲ ﻭ ﻫﻤﭽﻨﻴﻦ ﺍﻋﺪﺍﺩ‪ ،‬ﺗﺎﺭﻳﺦ‪ ،‬ﻭ ﺳﺎﻳﺮ ﻣﺘﻮﻥ ﻓﺎﺭﺳﻲ ﻋﺪﻡ‬ ‫ﻫﻤﭽﻨﻴﻦ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺷﺎﻣﻞ ﺗﺼﺎﻭﻳﺮ ‪ ۸۰۰‬ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺳﺨﺖ ﻭ‬
‫ﻭﺟﻮﺩ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻣﻨﺎﺳﺐ‪ ،‬ﻛﺎﻣﻞ ‪ ،‬ﻭ ﺍﺳﺘﺎﻧﺪﺍﺭﺩﻱ ﺩﺭ ﺍﻳﻦ ﺯﻣﻴﻨﻪﻫﺎ ﻣﻲﺑﺎﺷﺪ ‪.‬‬ ‫ﻣﺸﻜﻞﺩﺍﺭ ﺍﺯ ﻗﺒﻴﻞ ﺍﺭﻗﺎﻡ ﻣﺘﺼﻞ ﺑﻪ ﻫﻢ ) ‪ (touching digits‬ﻣﻲﺑﺎﺷﺪ‪ .‬ﻣﺠﻤﻮﻋﻪ ﺗﺼﺎﻭﻳﺮ‬
‫ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺑﺼﻮﺭﺕ ﭘﻨﺞ ﺑﺨﺶ ﻣﺠﺰﺍ ﺷﺎﻣﻞ‪ :‬ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺍﺻﻠﻲ ) ‪original‬‬
‫ﺩﺭ ﺳﺎﻝ ﻫﺎﻱ ﮔﺬﺷﺘﻪ ﻣﺤﻘﻘﻴﻦ ﺩﺭ ﺯﻣﻴﻨﻪ ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚ ﻫﺎﻱ‬
‫‪ ،(check images‬ﺗﺎﺭﻳﺦﻫﺎﻱ ﻋﺪﺩﻱ ﺩﺳﺘﻨﻮﻳﺲ ) ‪ date‬ﺑﺼﻮﺭﺕ ﻫﺠﺮﻱ ﺷﻤﺴﻲ( ‪ ،‬ﻣﺒﺎﻟﻎ‬
‫ﺑﺎﻧﻜﻲ ﺩﺳﺘﻨﻮﻳﺲ ﺩﺭ ﻛﺸﻮﺭﻫﺎﻱ ﻣﺨﺘﻠﻒ ﺟﻬﺎﻥ ﺍﺯ ﺟﻤﻠﻪ ﺍﻳﺘﺎﻟﻴﺎ ]‪ ،[۱‬ﻓﺮﺍﻧﺴﻪ ]‪[۲‬‬ ‫ﻋﺪﺩﻱ ﺩﺳﺘﻨﻮﻳﺲ )‪ ،(courtesy amount‬ﻣﺒﺎﻟﻎ ﺣﺮﻓﻲ ﺩﺳﺘﻨﻮﻳﺲ )‪ ،(legal amount‬ﻭ‬
‫]‪ ،[۳‬ﺑﺮﺯﻳﻞ ]‪ ،[۴‬ﭼﻴﻦ ]‪ ،[۵‬ﺁﻣﺮﻳﻜﺎ ]‪ ،[۶‬ﻛﺎﻧﺎﺩﺍ ]‪ ،[۷‬ﻋﺮﺑﺴﺘﺎﻥ ]‪ [۸‬ﻭ ‪...‬‬ ‫ﺍﺭﻗﺎﻡ ﻣﺘﺼﻞﺑﻪ ﻫﻢ )‪ ،(touching digits‬ﺳﺎﺯﻣﺎﻧﺪﻫﻲ ﺷﺪﻩ ﻛﻪ ﻫﺮ ﻛﺪﺍﻡ ﺍﺯ ﺍﻳﻦ ﺑﺨﺶﻫﺎ‬

‫ﺗﺤﻘﻴﻘﺎﺕ ﮔﺴﺘﺮﺩﻩ ﺍﻱ ﺍﻧﺠﺎﻡ ﺩﺍﺩﻩﺍﻧﺪ ‪ ،‬ﺍﻣﺎ ﻣﺘﺎﺳﻔﺎﻧﻪ ﺗﺎﻛﻨﻮﻥ ﺩﺭ ﺯﻣﻴﻨﻪ ﭼﻚﻫﺎﻱ‬ ‫ﺭﺍ ﻣﻲ ﺗﻮﺍﻥ ﺑﻪ ﻋﻨﻮﺍﻥ ﻳﻚ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻣﺠﺰﺍ ﻣﻮﺭﺩ ﺍﺳﺘﻔﺎﺩﻩ ﻗﺮﺍﺭ ﺩﺍﺩ‪ .‬ﻣﺠﻤﻮﻋﻪ ﺍﻳﻦ‬
‫ﻓﻴﻠﺪﻫﺎ ﺑﻪ ﺩﻭ ﺑﺨﺶ ﺁﻣﻮﺯﺷﻲ )‪ (training‬ﻭ ﺁﺯﻣﺎﻳﺸﻲ )‪ (testing‬ﺗﻘﺴﻴﻢ ﺷﺪﻩ ﺍﻧﺪ ﻛﻪ ﺍﺯ‬
‫ﺑﺎﻧﻜﻲ ﻓﺎﺭﺳﻲ ﺗﺤﻘﻴﻘﺎﺕ ﻛﺎﻣﻠﻲ ﺻﻮﺭﺕ ﻧﮕﺮﻓﺘﻪ ﻭ ﻓﻘﻂ ﭼﻨﺪ ﻣﻘﺎﻟﻪ ﺍﺯ ﻗﺒﻴﻞ ]‪[۹‬‬
‫ﺑﺨﺶ ﺁﻣﻮﺯﺷﻲ ﺑﺮﺍﻱ ﻳﺎﺩﮔﻴﺮﻱ ﺳﻴﺴﺘﻢﻫﺎ ﻭ ﺍﺯ ﺑﺨﺶ ﺁﺯﻣﺎﻳﺸﻲ ﺟﻬﺖ ﺁﺯﻣﺎﻳﺸﺎﺕ ﻭ‬
‫]‪[۱۱] [۱۰‬ﻭ ‪ ...‬ﺩﺭ ﺍﻳﻦ ﺯﻣﻴﻨﻪ ﻣﻮﺟﻮﺩ ﺍﺳﺖ؛ ﻭ ﻫﻤﭽﻨﻴﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻛﺎﻣﻠﻲ ﺍﺯ‬ ‫ﺍﺭﺯﻳﺎﺑﻲ ﺗﺸﺨﻴﺺ ﻓﻴﻠﺪﻫﺎﻱ ﻣﺨﺘﻠﻒ ﺳﻴﺴﺘﻢﻫﺎ ﺍﺳﺘﻔﺎﺩﻩ ﻣﻲ ﺷﻮﺩ‪ .‬ﺍﮔﺮﭼﻪ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ‬
‫ﺗﺼﺎﻭﻳﺮ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻭﺍﻗﻌﻲ ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ ﺗﺎ ﻛﻨﻮﻥ ﻣﻨﺘﺸﺮ ﻧﮕﺮﺩﻳﺪﻩ‬ ‫ﺩﺍﺩﻩ ﻣﺨﺘﺺ ﭼﻚ ﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻓﺎﺭﺳﻲ ﻣﻲﺑﺎﺷﺪ ﺍﻣﺎ ﻣﻲﺗﻮﺍﻧﺪ ﻋﻼﻭﻩ ﺑﺮ ﺗﻮﺳﻌﻪ ﺗﺤﻘﻴﻘﺎﺕ‬
‫ﺍﺳﺖ‪.‬‬ ‫ﻛﺎﺭﺑﺮﺩﻱ ﺩﺭ ﺯﻣﻴﻨﻪ ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚﻫﺎ ‪ ،‬ﻛﻤﻚ ﺷﺎﻳﺎﻧﻲ ﺑﻪ ﺗﺤﻘﻴﻘﺎﺕ ﺩﺭ ﺯﻣﻴﻨﻪ‬
‫ﺗﺸﺨﻴﺺ ﻛﻠﻴﻪ ﺍﺭﻗﺎﻡ ﻭ ﻣﺘﻮﻥ ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ ﻧﻴﺰ ﻧﻤﺎﻳﺪ‪.‬‬
‫ﺩﺭ ﺍﻳﻦ ﻣﻘﺎﻟﻪ ﺑﺮﺍﻱ ﺭﻓﻊ ﻣﺸﻜﻞ ﺍﺳﺎﺳﻲ ﻋﺪﻡ ﻭﺟﻮﺩ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻣﻨﺎﺳﺐ‪ ،‬ﺍﺯ‬
‫ﺗﺼﺎﻭﻳﺮ ﺍﺳﻜﻦ ﺷﺪﻩ ﺑﻴﺶ ﺍﺯ ‪ ۲۰۰۰‬ﭼﻚ ﻭﺍﻗﻌﻲ ﺭﺍﻳﺞ ﺩﺭ ﺳﻴﺴﺘﻢ ﺑﺎﻧﻜﻲ ﺍﻳﺮﺍﻥ‪،‬‬
‫ﻛﻠﻴﺪ ﻭﺍﮊﻩ‪ -‬ﺗﺸﺨﻴﺺ ﺍﺭﻗﺎﻡ ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ ‪ ،‬ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚﻫﺎﻱ‬
‫ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ )‪ date‬ﺑﺼﻮﺭﺕ ﻫﺠﺮﻱ ﺷﻤﺴﻲ(‪ ،‬ﻣﺒﻠﻎ ﻋﺪﺩﻱ ) ‪courtesy‬‬
‫ﺑﺎﻧﻜﻲ ﻓﺎﺭﺳﻲ ‪ ،‬ﺗﺸﺨﻴﺺ ﺗﺎﺭﻳﺦ ‪ ،‬ﺗﺸﺨﻴﺺ ﻣﺒﻠﻎ ﻋﺪﺩﻱ‪ ،‬ﻭ ﺗﺸﺨﻴﺺ ﻣﺒﻠﻎ ﺣﺮﻓﻲ‪.‬‬
‫‪ ،(amount‬ﻣﺒﻠﻎ ﺣﺮﻓﻲ )‪ ، (legal amount‬ﻭ ﺍﺭﻗﺎﻡ ﻣﺘﺼﻞ ﺑﻪ ﻫﻢ ) ‪touching‬‬
‫‪ (digits‬ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩﺍﻧﺪ ﻭ ﺑﺼﻮﺭﺕ ﻳﻚ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻛﺎﻣﻞ ﺩﺭ ﭘﻨﺞ ﺑﺨﺶ‬ ‫‪ - ۱‬ﻣﻘﺪﻣﻪ‬
‫ﻣﺠﺰﺍ ﺷﺎﻣﻞ‪ :‬ﭼﻚ ﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺍﺻﻠﻲ‪ ،‬ﺗﺎﺭﻳﺦﻫﺎﻱ ﻋﺪﺩﻱ‪ ،‬ﻣﺒﺎﻟﻎ ﻋﺪﺩﻱ‪ ،‬ﻣﺒﺎﻟﻎ‬
‫ﭘﺮﺩﺍﺯﺵ ﺩﺳﺘﻲ ﻭ ﻧﮕﻬﺪﺍﺭﻱ ﻻﺷﻪ ﭼﻚ ﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺯﻣﺎﻥ ﻭ ﻫﺰﻳﻨﻪ ﺯﻳﺎﺩ ﻱ ﺍﺯ‬
‫ﺣﺮﻓﻲ‪ ،‬ﻭ ﺍﺭﻗﺎﻡ ﻣﺘﺼﻞ ﺑﻪ ﻫﻢ ﺳﺎﺯﻣﺎﻧﺪﻫﻲ ﺷﺪﻩﺍﻧﺪ ‪ .‬ﺍﻣﻴﺪﻭﺍﺭﻳﻢ ﻛﻪ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ‬
‫ﺳﻴﺴﺘﻢ ﺑﺎﻧﻜﻲ ﺭﺍ ﺩﺭ ﺑﺮﻣﻲﮔﻴﺮﺩ‪ ،‬ﺩﺭ ﻧﺘﻴﺠﻪ ﻃﺮﺍﺣﻲ ﻳﻚ ﺳﻴﺴﺘﻢ ﭘﺮﺩﺍﺯﺵ ﺧﻮﺩﻛﺎﺭ‬
‫ﻣﻌﺮﻓﻲ ﺷﺪﻩ ﺩﺭ ﺍﻳﻦ ﻣﻘﺎﻟﻪ ﺑﺘﻮﺍﻧﺪ ﺭﺍﻫﮕﺸﺎﻱ ﺧﻮﺑﻲ ﺑﺮﺍﻱ ﺗﺤﻘﻴﻘﺎﺕ ﺩﺭ ﺯﻣﻴﻨﻪ‬
‫ﻣﺒﺘﻨﻲ ﺑﺮ ﺗﺼﺎﻭﻳﺮ ﭼﻚﻫﺎ ﺑﺎ ﺍﺳﺘﻘﺒﺎﻝ ﺯﻳﺎﺩﻱ ﺍﺯ ﺳﻮﻱ ﻣﻮﺳﺴﺎﺕ ﻣﺎﻟﻲ ﺭﻭﺑﺮﻭ‬
‫ﭘﺮﺩﺍﺯﺵ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻓﺎﺭﺳﻲ ﺑﺎﺷﺪ‪ .‬ﺑﺎ ﺗﻮﺟﻪ ﺑﻪ ﺍﻳﻨﻜﻪ ﺯﺑﺎﻥ ﻓﺎﺭﺳﻲ‪ ،‬ﺯﺑﺎﻥ‬
‫ﺧﻮﺍﻫﺪ ﺷﺪ‪ .‬ﺑﻄﻮﺭ ﻛﻠﻲ ﭘﺮﺩﺍﺯﺵ ﺧﻮﺩﻛﺎﺭ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺑﺎ ﺩﻭ ﻣﺸﻜﻞ ﺍﺳﺎﺳﻲ‬
‫ﺭﺳﻤﻲ ﻛﺸﻮﺭﻫﺎﻱ ﺍﻳﺮﺍﻥ‪ ،‬ﺗﺎﺟﻴﻜﺴﺘﺎﻥ‪ ،‬ﻭ ﺍﻓﻐﺎﻧﺴﺘﺎﻥ ﺍﺳﺖ ﻭ ﻫﻤﭽﻨﻴﻦ ﺍﺭﻗﺎﻡ‬
‫ﻣﻮﺍﺟﻪ ﺍﺳﺖ‪ (۱ .‬ﻧﺒﻮﺩ ﻛﺎﺩﺭﻫﺎﻱ ﻣﺸﺨﺺ ﻭ ﺍﺳﺘﺎﻧﺪﺍﺭﺩ ﺭﻭﻱ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ‬
‫ﻓﺎﺭﺳﻲ ﻭ ﻋﺮﺑﻲ ﺻﺮﻓﻨﻈﺮ ﺍﺯ ﺗﻔﺎﻭﺕﻫﺎﻱ ﺟﺰﺋﻲ ﺩﺭ ﻧﻮ ﻉ ﻧﻮﺷﺘﻦ ﺑﻌﻀﻲ ﺍﺭﻗﺎﻡ‪،‬‬
‫ﻭﺍﻗﻌﻲ‪ :‬ﺑﺎ ﻭﺟﻮﺩ ﺍﻳﻨﻜﻪ ﺑﺎﻧﻚﻫﺎ ﻋﻼﻗﻤﻨﺪﻧﺪ ﻛﻪ ﺍﺯ ﺣﺠﻢ ﻛﺎﺭﻱ ﭘﺮﺩﺍﺯﺵ ﺩﺳﺘﻲ‬
‫ﺩﺍﺭﺍﻱ ﺷﺒﺎﻫﺖﻫﺎﻱ ﺑﺴﻴﺎﺭ ﺯﻳﺎﺩﻱ ﻣﻲﺑﺎﺷﻨﺪ ]‪ ،[۱۲‬ﺍﻣﻴﺪ ﺍﺳﺖ ﻛﻪ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ‬
‫ﻛﻢ ﻛﻨﻨﺪ ﺍﻣﺎ ﺣﺎﺿﺮ ﻧﻴﺴﺘﻨﺪ ﺳﺎﺧﺘﺎﺭ ﭼﻚﻫﺎﻱ ﺧﻮﺩ ﺭﺍ ﻋﻮﺽ ﻛﺮﺩﻩ ﺗﺎ ﺍﻃﻼﻋﺎﺕ‬
‫ﺑﺘﻮﺍﻧﺪ ﺑﺮﺍﻱ ﺗﻌﺪﺍﺩ ﺯﻳﺎﺩﻱ ﺍﺯ ﻣﺤﻘﻘﻴﻦ ﺩﺭ ﺯﻣﻴﻨﻪ ﭘﺮﺩﺍﺯﺵ ﺩﺳﺘﺨﻂ ﻓﺎﺭﺳﻲ ﻭ‬
‫ﺩﺭ ﻛﺎﺩﺭﻫﺎﻱ ﺍﺳﺘﺎﻧﺪﺍﺭﺩﻱ ﻗﺮﺍﺭ ﮔﻴﺮﻧﺪ ﻭ ﺩﺭ ﻧﺘﻴﺠﻪ ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚ‬
‫ﻋﺮﺑﻲ ﻣﻔﻴﺪ ﻭﺍﻗﻊ ﮔﺮﺩﺩ‪.‬‬
‫ﺗﻮﺳﻂ ﻛﺎﻣﭙﻴﻮﺗﺮ ﺳﻬﻮﻟﺖ ﻳﺎﺑﺪ ‪ (۲ .‬ﻣﺤﺮﻣﺎﻧﻪ ﺑﻮﺩﻥ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻭ ﻋﺪﻡ‬
‫‪۲‬‬

‫ﻛﺎﻣﻞ ﺁﻧﻬﺎ ﺑﻪ ﺻﻮﺭﺕ ﺍﺗﻮﻣﺎﺗﻴﻚ ﻭﺟﻮﺩ ﻧﺪﺍﺷﺖ(‪ .‬ﺍﻳﻦ ﺍﻗﻼﻡ ﺍﻃﻼﻋﺎﺗﻲ ﺷﺎﻣﻞ‪:‬‬ ‫ﺍﺩﺍﻣﻪ ﺍﻳﻦ ﻣﻘﺎﻟﻪ ﺑﻪ ﺻﻮﺭﺕ ﺯﻳﺮ ﺳﺎﺯﻣﺎﻧﺪﻫﻲ ﻣﻲﺷﻮﺩ ‪ .‬ﺩﺭ ﺑﺨﺶ ‪ ۲‬ﻧﺤﻮﻩ‬
‫ﺗﺎﺭﻳﺦﻫﺎﻱ ﻋﺪﺩﻱ )ﻓﻴﻠﺪ ﺷﻤﺎﺭﻩ ‪ ،(۱‬ﻣﺒﺎﻟﻎ ﺣﺮﻓﻲ )ﻓﻴﻠﺪ ﺷﻤﺎﺭﻩ ‪ ،(۲‬ﻭ ﻣﺒﺎ ﻟﻎ ﻋﺪﺩﻱ‬ ‫ﺟﻤﻊﺁﻭﺭﻱ ﺩﺍﺩﻩﻫﺎ ﻭ ﺟﺰﺋﻴﺎﺕ ﺍﻳﺠﺎﺩ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺗﻮﺿﻴﺢ ﺩﺍﺩﻩ ﻣﻲﺷﻮﺩ‪ ،‬ﺩﺭ ﺑﺨﺶ‬
‫)ﻓﻴﻠﺪ ﺷﻤﺎﺭﻩ ‪ (۳‬ﻣﻲﺑﺎﺷﻨﺪ ﻭ ﺑﺎﻗﻴﻤﺎﻧﺪﻩ ﻓﻴﻠﺪﻫﺎ ﺑﻪ ﺩﻟﻴﻞ ﻋﺪﻡ ﻧﻘﺾ ﺣﺮﻳﻢ‬ ‫‪ ۳‬ﻧﺘﺎﻳﺞ ﺩﺭ ﻗﺎﻟﺐ ﻳﻚ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻛﺎﻣﻞ ﻭ ﺳﺎﺧﺘﺎﺭﻳﺎﻓﺘﻪ ﭼﻚ ﺍﺭﺍﺋﻪ ﻣﻲﮔﺮﺩﺩ ﻭ ﺩﺭ‬
‫ﺧﺼﻮﺻﻲ ﺻﺎﺣﺒﺎﻥ ﺣﺴﺎﺏ ﻭ ﺑﻨﺎ ﺑﻪ ﺗﻘﺎﺿﺎﻱ ﺑﺎﻧﻚ ﺑﻪ ﻛﻤﻚ ﻣﺴﺘﻄﻴﻞﻫﺎﻳﻲ ﺩﺭ‬ ‫ﺑﺨﺶ ‪ ۴‬ﻧﻴﺰ ﻧﺘﻴﺠﻪ ﮔﻴﺮﻱ ﺑﻴﺎﻥ ﺧﻮﺍﻫﺪ ﺷﺪ‪.‬‬
‫ﺯﻣﻴﻨﻪ ﭼﻚ ﻣﺤﻮ ﮔﺮﺩﻳﺪﻩﺍﻧﺪ ﺗﺎ ﺍﻣﻜﺎﻥ ﺍﺳﺘﻔﺎﺩﻩ ﻋﻤﻮﻣﻲ ﺍﺯ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻓﺮﺍﻫﻢ‬
‫ﮔﺮﺩﺩ‪ .‬ﺩﺭ ﺍﺷﻜﺎﻝ )‪ ،(۳) ،(۲‬ﻭ )‪ (۴‬ﻧﻤﻮﻧﻪ ﻫﺎﻳﻲ ﺍﺯ ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ‪ ،‬ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﻭ‬ ‫‪ - ۲‬ﺍﻳﺠﺎﺩ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﭼﻚ‬
‫ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﻣﺸﺎﻫﺪﻩ ﻣﻲﺷﻮﺩ ‪.‬‬ ‫ﺩﺭ ﺍﻳﻦ ﺑﺨﺶ ﺟﺰﺋﻴﺎﺕ ﺍﻳﺠﺎﺩ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺩﺭ ﭼﻨﺪ ﺯﻳﺮ ﻗﺴﻤﺖ ﺗﻮﺿﻴﺢ ﺩﺍﺩﻩ‬
‫ﻣﻲﺷﻮﺩ ‪.‬‬
‫‪ -۲-۲‬ﭘﻴﺶ ﭘﺮﺩﺍﺯﺵ‬
‫‪ -۱-۲‬ﺟﻤﻊ ﺁﻭﺭﻱ ﻭ ﺍﺳﺘﺨﺮﺍﺝ ﻓﻴﻠﺪﻫﺎ‬
‫ﻓﻴﻠﺪﻫﺎﻱ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺩﺭ ﻣﺮﺣﻠﻪ ﻗﺒﻞ ﺩﺍﺭﺍﻱ ﺯﻣﻴﻨﻪ ﺭﻧﮕﻲ ﻫﺴﺘﻨﺪ‪ ،‬ﻛﻪ ﺩﺭ‬ ‫ﺩﺳﺘﺮﺳﻲ ﺑﻪ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺑﻪ ﺩﻟﻴﻞ ﺍﺻﻞ ﻣﺤﺮﻣﺎﻧﮕﻲ ﺍﻃﻼﻋﺎﺕ‪ ،‬ﺩﺭ ﻫﻤﻪ‬
‫ﺍﻳﻦ ﺣﺎﻟﺖ ﺑﺎ ﺍﻟﮕﻮﺭﻳﺘﻢ ﻫﺎﻱ ﺍﺳﺘﻔﺎﺩﻩ ﺷﺪﻩ ﺩﺭ ﺍﻳﻦ ﭘﺮﻭﮊﻩ ﺳﺎﺯﮔﺎﺭ ﻧﻤﻲﺑﺎﺷﻨﺪ‪ .‬ﺑﺮﺍﻱ‬ ‫ﻛﺸﻮﺭﻫﺎ ﻛﺎﺭﻱ ﺑﺴﻴﺎﺭ ﺩﺷﻮﺍﺭ ﻣﻲﺑﺎﺷﺪ ‪ .‬ﺍﺯ ﺍﻳﻦ ﺭﻭ ﺩﺭ ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻛﺸﻮﺭﻫﺎ‪ ،‬ﺍﺯ ﺟﻤﻠﻪ‬
‫ﺣﺬﻑ ﺯﻣﻴﻨﻪ ﺭﻧﮕﻲ ﻓﻴﻠﺪﻫﺎ ﻣﻲﺑﺎﻳﺴﺖ ﺍﺑﺘﺪﺍ ﺑﻪ ﻛﻤﻚ ﺍﻟﮕﻮﺭﻳﺘﻢﻫﺎﻳﻲ ﺑﻪ ﺣﺎﻟﺖ‬ ‫ﺍﻳﺮﺍﻥ ﺗﺤﻘﻴﻘﺎﺕ ﺯﻳﺎﺩﻱ ﺩﺭ ﺯﻣﻴﻨﻪ ﭘﺮﺩﺍﺯﺵ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻭﺍﻗﻌﻲ ﺍﻧﺠﺎﻡ‬
‫ﺧﺎﻛﺴﺘﺮﻱ )‪ (gray‬ﻭ ﺳﭙﺲ ﺳﻴﺎﻩ ﻭ ﺳﻔﻴﺪ )‪ (binary‬ﺗﺒﺪﻳﻞ ﺷﻮﻧﺪ‪ .‬ﻧﻤﻮﻧﻪﻫﺎﻳﻲ ﺍﺯ‬ ‫ﻧﮕﺮﺩﻳﺪﻩ ﺍﺳﺖ ‪ .‬ﺩﺭ ﺍﻳﻦ ﻣﻘﺎﻟﻪ ﺑﺎ ﻫﻤﻜﺎﺭﻱ ﻳﻜ ﻲ ﺍﺯ ﺑﺎﻧﻚﻫﺎﻱ ﻛﺸﻮﺭ‪ ،‬ﺗﺼﺎﻭﻳﺮ‬
‫ﺣﺎﻻﺕ ﺫﻛﺮ ﺷﺪﻩ ﺩﺭ ﺍﺷﻜﺎﻝ )‪ ، (۳) ،(۲‬ﻭ )‪ (۴‬ﻗﺎﺑﻞ ﻣﺸﺎﻫﺪﻩ ﻫﺴﺘﻨﺪ‪.‬‬ ‫‪ ۲۰۴۷‬ﻧﻤﻮﻧﻪ ﭼﻚ ﺑﺎﻧﻜﻲ ﭘﺲ ﺍﺯ ﺍﺭﺟﺎﻉ ﺑﻪ ﺑﺎﻧﻚ ﺑﺼﻮﺭﺕ ﺗﺼﺎﺩﻓﻲ ﺍﻧﺘﺨﺎﺏ ﻭ‬
‫ﺳﭙﺲ ﺍﺳﻜﻦ ﮔﺮﺩﻳﺪﻩﺍﻧﺪ‪ .‬ﻧﻤﻮﻧﻪﻫﺎﻳﻲ ﺍﺯ ﺍﻳﻦ ﭼﻚﻫﺎ ﺩﺭ ﺷﻜﻞ )‪ (۱‬ﻧﺸﺎﻥ ﺩﺍﺩﻩ‬
‫ﺷﺪﻩ ﺍﺳﺖ ‪ .‬ﻫﻤﺎﻧﻄﻮﺭ ﻛﻪ ﻣﻼﺣﻈﻪ ﻣﻲﺷﻮﺩ ﺍﻳﻦ ﭼﻚﻫﺎ ﺷﺎﻣﻞ ﺩﺳﺘﺨﻂ ﺍﻗﺸﺎﺭ‬
‫ﻣﺨﺘﻠﻒ ﺟﺎﻣﻌﻪ ﻣﻲﺑﺎﺷﺪ‪ .‬ﺍﻳﻦ ﻧﻤﻮﻧﻪﻫﺎ ﺑﺼﻮﺭﺕ ﺗﻤﺎﻡ ﺭﻧﮕﻲ ) ‪ (full color‬ﺑﺎ‬
‫ﺷﻜﻞ ‪ : ۲‬ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺍﺯ ﭼﻚ ﺑﺼﻮﺭﺕ )‪binary : (c) ،gray :(b) ،full color :(a‬‬
‫ﺭﺯﻭﻟﻮﺷﻦ ‪ 300 dpi‬ﺍﺳﻜﻦ ﺷﺪﻩ ﻭ ﺑﺎ ﻓﺮﻣﺖ ‪ TIF‬ﺫﺧﻴﺮﻩ ﮔﺮﺩﻳﺪﻩﺍﻧﺪ ‪.‬‬

‫ﺷﻜﻞ ‪ : ۳‬ﻓﻴﻠﺪ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪ ﻩ ﺍﺯ ﭼﻚ ﺑﺼﻮﺭﺕ )‪،gray :(b) ،full color :(a‬‬
‫)‪binary:(c‬‬

‫ﺷﻜﻞ ‪ : ۴‬ﻓﻴﻠﺪ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺍﺯ ﭼﻚ ﺑﺼﻮﺭﺕ )‪،gray :(b) ،full color :(a‬‬
‫)‪binary:(c‬‬

‫ﻳﻜﻲ ﺍﺯ ﺍﺳﺎﺳﻲﺗﺮﻳﻦ ﻛﺎﺭﻫﺎﻳﻲ ﻛﻪ ﭘﺲ ﺍﺯ ﺗﺒﺪﻳﻞ ﺗﺼﺎﻭﻳﺮ ﺑﻪ ﺣﺎﻟﺖ ﺑﺎﻳﻨﺮﻱ‪،‬‬

‫ﺷﻜﻞ ‪ :۱‬ﻧﻤﻮﻧﻪﻫﺎﻳﻲ ﺍﺯ ﭼﻚ ﻫﺎﻱ ﺍﺳﻜﻦ ﺷﺪﻩ‬
‫ﺟﻬﺖ ﺗﺸﺨﻴﺺ ﻣﺤﺘﻮﺍﻱ ﻓﻴﻠﺪﻫﺎﻱ ﺍﻃﻼﻋﺎﺗﻲ ﻣﻲﺑﺎﻳﺴﺖ ﺍﻧﺠﺎﻡ ﮔﻴﺮﺩ‪ ،‬ﺍﺯ ﺑﻴﻦ‬
‫ﺑﺮﺩﻥ ﻧﻮﻳﺰﻫﺎﻱ ﺗﺼﻮﻳﺮ ﺍﺳﺖ‪ .‬ﺩﺭ ﺻﻮﺭﺕ ﺍﻧﺠﺎﻡ ﺩﻗﻴﻖ ﻭ ﻛﺎﻣﻞ ﺍﻳﻦ ﻣﺮﺣﻠﻪ‪ ،‬ﺩﻗﺖ‬
‫ﻧﻤﻮﻧﻪ ﭼﻚﻫﺎﻱ ﺍﺳﻜﻦ ﺷﺪﻩ ﺩﺭ ﺷﻜﻞ )‪ (۱‬ﺷﺎﻣﻞ ﻧﻪ ﻗﻠﻢ ﺍﻃﻼﻋﺎﺕ ﻣﻲﺑﺎﺷﻨﺪ‬
‫ﺗﺸﺨﻴﺺ ﺳﻴﺴﺘﻢ ﺑﻄﻮﺭ ﭼﺸﻤﮕﻴﺮﻱ ﺍﻓﺰﺍﻳﺶ ﺧﻮﺍﻫﺪ ﻳﺎﻓﺖ‪ .‬ﺑﺎ ﺍﺳﺘﻔﺎﺩﻩ ﺍﺯ ﻓﻴﻠﺘﺮ‬
‫ﻛﻪ ﺍﺯ ﺑﻴﻦ ﺍﻳﻦ ﺍﻗﻼﻡ ﺍﻃﻼﻋﺎﺗﻲ ﺳﻪ ﻣﻮﺭﺩ ﺑﻪ ﺻﻮﺭﺕ ﺩﺳﺘﻲ ﻭ ﺑﺎ ﺩﻗﺖ ﺑﺎﻻ‬
‫ﻣﻴﺎﻧﻪ ) ‪ (median‬ﻭ ﺗﻜﺮﺍﺭ ﺁﻥ ﺑﺮ ﺭﻭﻱ ﺗﺼﺎﻭﻳﺮ ﺳﻴﺎﻩ ﻭ ﺳﻔﻴﺪ )‪ (binary‬ﻧﻮﻳﺰﻫﺎﻱ‬
‫ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺍﻧﺪ ) ﻻﺯﻡ ﺑﻪ ﺫﻛﺮ ﺍﺳﺖ ﻛﻪ ﺑﻪ ﺩﻟﻴﻞ ﺗﻨﻮﻉ ﺳﺎﺧﺘﺎﺭ ﭼﻚﻫﺎ ﺣﺘﻲ ﺩﺭ‬
‫ﺑﺎﻗﻴﻤﺎﻧﺪﻩ ﺍﺯ ﺑﻴﻦ ﺑﺮﺩﻩ ﻣﻲﺷﻮﻧﺪ‪.‬‬
‫ﻳﻚ ﺑﺎﻧﻚ ﻭﺍﺣﺪ ﻭ ﮔﺎﻫ ﺎً ﺗﺪﺍﺧﻞ ﻓﻴﻠﺪﻫﺎﻱ ﺍﻃﻼﻋﺎﺗﻲ ﺍﻣﻜﺎﻥ ﺟﺪﺍﺳﺎﺯﻱ ﻣﻮﻓﻖ ﻭ‬
‫‪۳‬‬

‫ﻫﻤﺎﻧﻄﻮﺭ ﻛﻪ ﺩﺭ ﺍﺷﻜﺎﻝ )‪ (۲‬ﻭ )‪ (۴‬ﻣﻼﺣﻈﻪ ﻣﻲﺷﻮﺩ‪ ،‬ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ‬

‫ﺣﺮﻓﻲ ﺩﺍﺭﺍﻱ ﺧﻄﻮﻁ ﺭﺍﻫﻨﻤﺎ )ﺧﻂ ﭼﻴﻦ( ﻫﺴﺘﻨﺪ ﻛﻪ ﺑﺎ ﺍﻧﺘﺨﺎﺏ ﺍﻟﻤﺎﻥﻫﺎﻱ‬
‫ﺳﺎﺧﺘﺎﺭﻱ ﻣﻨﺎﺳﺐ ﺩﺭ ﺍﻋﻤﺎﻝ ﻣﻮﺭﻓﻮﻟﻮﮊﻳﻚ )‪ erosion‬ﻭ ‪[۱] [۱۳] (dilation‬‬
‫ﺩﺭ ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﺍﻳﻦ ﻧﻘﻄﻪ ﭼﻴﻦﻫﺎ ﺣﺬﻑ ﻣﻲﮔﺮﺩﻧﺪ؛ ﺍﻣﺎ ﻭﺟﻮﺩ ﺣﺮﻭﻑ ﻧﻘﻄﻪﺩﺍﺭ ﺩﺭ‬
‫ﻓﻴﻠﺪ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﻣﺎﻧﻊ ﺍﺳﺘﻔﺎﺩﻩ ﺍﺯ ﺍﻳﻦ ﺷﻴﻮﻩ ﻣﻲﮔﺮﺩﺩ ؛ ﻟﺬﺍ ﺑﺮﺍﻱ ﺣﺼﻮﻝ ﻧﺘﻴﺠﻪ‬
‫ﺷﻜﻞ ‪ (a ) : ۸‬ﻓﻴﻠﺪ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺍﺯ ﭼﻚ‪ (b) ،‬ﺍﺭﻗﺎﻡ ﺟﺪﺍﺳﺎﺯﻱ ﺷﺪﻩ ﺍﻭﻟﻴﻪ‬ ‫ﺑﻬﺘﺮ‪ ،‬ﺧﻄﻮﻁ ﺭﺍﻫﻨﻤﺎﻱ ﻓﻴﻠﺪ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﺑﻪ ﻛﻤﻚ ﻳﻚ ﻧﺮﻡﺍﻓﺰﺍﺭ ﻭﻳﺮﺍﻳﺶ ﺗﺼﻮﻳﺮ‬
‫ﻭ ﺑﻪ ﺻﻮﺭﺕ ﻛﺎﻣﻼ ﺩﺳﺘﻲ ﺣﺬﻑ ﻣﻲﺷﻮﻧﺪ‪ .‬ﻫﻤﭽﻨﻴﻦ ﺑﺮﺍﻱ ﻫﻤﺎﻫﻨﮕﻲ ﺑﺎ ﺑﺮﺧﻲ‬
‫‪Ground‬‬ ‫‪ -۴-۲‬ﺍﻧﺘﺼﺎﺏ ﻭ ﺗﻌﻴﻴﻦ ﻣﻘﺎﺩﻳﺮ ﻭﺍﻗﻌﻲ ﺩﺍﺩﻩﻫﺎ )‬
‫ﺍﻟﮕﻮﺭﻳﺘﻢﻫﺎﻱ ﭘﺮﺩﺍﺯﺵ ﺗﺼﻮﻳﺮ‪ ،‬ﺗﺼﺎﻭﻳﺮ ﺑﻪ ﮔﻮﻧﻪﺍﻱ ﺫﺧﻴﺮﻩ ﺷﺪﻩﺍﻧﺪ ﻛﻪ ﺩﺭ ﺣﺎﺷﻴﻪ‬
‫‪(truth labels‬‬ ‫ﭼﻬﺎﺭ ﻃﺮﻑ ﻫﺮ ﻛﺪﺍﻡ ﺩﻭ ﭘﻴﻜﺴﻞ ﺳﻔﻴﺪ ﺑﺎﻗﻲ ﺑﻤﺎﻧﺪ ‪ .‬ﻧﻤﻮﻧﻪﺍﻱ ﺍﺯ ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ‬
‫ﺑﺮﺍﻱ ﺍﻳﻨﻜﻪ ﺳﻴﺴﺘﻢ ﺗﺸﺨﻴﺺ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻣﻮﺭﺩ ﺍﺭﺯﻳﺎﺑﻲ ﻗﺮﺍﺭ ﮔﻴﺮﺩ ﺑﻪ‬ ‫ﻭ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﭘﺲ ﺍﺯ ﺣﺬﻑ ﺧﻄﻮﻁ ﺭﺍﻫﻨﻤﺎ ﺩﺭ ﺷﻜﻞ )‪ (۵‬ﻧﺸﺎﻥ ﺩﺍﺩﻩ ﺷﺪﻩ ﺍﺳﺖ‪.‬‬
‫ﻣﻘﺪﺍﺭ ﻭﺍﻗﻌﻲ ﺩﺍﺩﻩ ﻫﺎ ﻧﻴﺎﺯﻣﻨﺪ ﻳﻢ‪ ،‬ﺗﺎ ﻣﻘﺪﺍﺭ ﺗﺸﺨﻴﺺ ﺩﺍﺩﻩ ﺷﺪﻩ ﺗﻮﺳﻂ ﺳﻴﺴﺘﻢ ﺑﺎ‬
‫ﻣﻘﺎﺩﻳﺮ ﻭﺍﻗﻌﻲ ﺩﺍﺩﻩﻫﺎ ﻣﻘﺎﻳﺴﻪ ﮔﺮﺩﺩ ﻭ ﻣﻴﺰﺍﻥ ﺩﺭﺳﺘﻲ ﺗﺸﺨﻴﺺ ﻣﺸﺨﺺ ﺷﻮﺩ‬
‫]‪ .[۱۴‬ﺑﺪ ﻳﻦ ﻣﻨﻈﻮﺭ ﻧﺎﮔﺰﻳﺮ ﺑﻪ ﺍﻳﺠﺎﺩ ﺟﺪﻭﻟﻲ ﺑﻪ ﻧﺎﻡ ﺟﺪﻭﻝ ﻣﻘﺪﺍﺭ ﻭﺍﻗﻌﻲ ﺩﺍﺩﻩﻫﺎ‬
‫ﻫﺴﺘﻴﻢ ﺗﺎ ﺑﻪ ﻛﻤﻚ ﺍﻳﻦ ﺟﺪﻭﻝ ﺳﻴﺴﺘﻢ ﺗﺸﺨﻴﺺ ﻣﻮﺭﺩ ﺁﺯﻣﺎﻳﺶ ﻗﺮﺍﺭ ﮔﻴﺮﺩ ‪.‬‬
‫ﺷﻜﻞ ‪ :۵‬ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺑﺼﻮﺭﺕ ‪ binary‬ﭘﺲ ﺍﺯ ﺭﻓﻊ ﻧﻮﻳﺰ‪ ،‬ﺣﺬﻑ‬
‫‪check‬‬ ‫ﺟﺪﻭﻝ ﻣﻘﺪﺍﺭ ﻭﺍﻗﻌﻲ ﺩﺍﺩﻩﻫﺎ ﺩﺍﺭﺍﻱ ﻓﻴﻠﺪﻫﺎﻱ ﺷﻤﺎﺭﻩ ﭼﻚ )‬ ‫ﺧﻄﻮﻁ ﺭﺍﻫﻨﻤﺎ‪ ،‬ﻭ ﺍﻓﺰﻭﺩﻥ ﺩﻭ ﭘﻴﻜﺴﻞ ﺳﻔﻴﺪ‬
‫‪ ،(number‬ﺗﺎﺭﻳﺦ )‪ ،(date‬ﻣﺒﻠﻎ ﻋﺪﺩﻱ ) ‪ ،(courtesy amount‬ﻣﺒﻠﻎ ﺣﺮﻓﻲ‬
‫) ‪ ،(legal amount‬ﺗﻮﺿﻴﺤﺎﺕ ) ‪ (comment‬ﻣﻲﺑﺎﺷﺪ‪ .‬ﺑﻪ ﺩﻟﻴﻞ ﻭﺟﻮﺩ ﺩﺍﺩﻩ‬
‫ﻫﺎﻱ ﻣﺘﺼﻞ ﺑﻪ ﻫﻢ )‪ (touching‬ﻭ ﻣﺸﻜﻞﺩﺍﺭ ﻓﻴﻠﺪﻱ ﺑﺎ ﻧﺎﻡ ﺗﻮﺿﻴﺤﺎﺕ‬ ‫‪ -۳-۲‬ﻧﺤﻮﻩ ﺟﺪﺍﺳﺎﺯﻱ ﺍﺭﻗﺎﻡ ﺩﺭ ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ‬
‫) ‪ (comment‬ﺑﻪ ﺍﻳﻦ ﺟﺪﻭﻝ ﺍﻓﺰﻭﺩﻩ ﺷﺪﻩ ﻛﻪ ﺗﻮﺿﻴﺤﺎﺕ ﺗﻜﻤﻴﻠﻲ ﺩﺭ ﻣﻮﺭﺩ ﺩﺍﺩﻩ‬ ‫ﻋﺪﺩﻱ‬
‫ﻫﺎﻱ ﻣﺸﻜﻞ ﺩﺍﺭ ﻣﻲﺩﻫﺪ‪.‬‬
‫ﺩﺭ ﺍﻳﻦ ﻣﺮﺣﻠﻪ ﻣﻲﺑﺎﻳﺴﺖ ﺍﺭﻗﺎﻡ ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺍﺳﺘﺨﺮﺍﺝ‬
‫ﺟﺪﻭﻝ ‪ : ۱‬ﺑﺨﺸﻲ ﺍﺯ ﺟﺪﻭﻝ ﻣﻘﺪﺍﺭ ﻭﺍﻗﻌﻲ ﺩﺍﺩﻩﻫﺎ‬ ‫ﺷﺪﻩ‪ ،‬ﺟﺪﺍﺳﺎﺯﻱ ﻭ ﺗﻔﻜﻴﻚ ﺷﻮﻧﺪ ﻛﻪ ﺑﻪ ﻛﻤﻚ ﺑﺮﭼﺴﺐﺩﻫﻲ ﺍﺟﺰﺍﻱ ﺑﻪﻫﻢ‬
‫‪check‬‬
‫‪date‬‬
‫‪courtesy‬‬
‫‪legal amount‬‬ ‫‪comment‬‬ ‫ﭘﻴﻮﺳﺘﻪ ﺗﺼﻮﻳﺮ )‪ (connected component labeling‬ﺍﻳﻦ ﻋﻤﻞ ﺍﻧﺠﺎﻡ ﺷﺪﻩ‬
‫‪number‬‬ ‫‪amount‬‬
‫ﺍﺳﺖ ]‪ .[۱۳‬ﺍﻟﮕﻮﺭﻳﺘﻢ ﻣﺬﻛﻮﺭ ﺗﺼﺎﻭﻳﺮ ﺭﺍ ﺍﺳﻜﻦ ﻧﻤﻮﺩﻩ ﻭ ﭘﻴﻜﺴﻞﻫﺎ ﺭﺍ ﺑﺮ ﺍﺳﺎﺱ‬
‫‪۲۳‬‬ ‫‪۸۱ /۷/۲۲‬‬ ‫‪۲۰۰ /۰۰۰‬‬ ‫ﺑﻴﺴﺖ ﻫﺰﺍﺭ ﺭﻳﺎﻝ ﺗﻤﺎﻡ‬ ‫ﺍﺗﺼﺎﻝ ﺩﺭ ﺗﺎﺭﻳﺦ‬
‫ﻫﻤﺴﺎﻳﮕﻲﻫﺎﻳﺸﺎﻥ ﺑﺎ ﻫﻢ ﮔﺮﻭﻩﺑﻨﺪﻱ ﻣﻲﻛﻨﺪ؛ ﻫﺮ ﮔﺮﻭﻩ ﻧﺸﺎﻥ ﺩﻫﻨﺪﻩ ﻳﻚ ﺟﺰء‬
‫ﺧﻂ ﺧﻮﺭﺩﮔﻲ ﺷﺪﻳﺪ ﺩﺭ‬
‫‪۲۴‬‬ ‫‪۸۱ /۷/۲۱‬‬ ‫‪۱۷۵ /۰۰۰‬‬ ‫ﺻﺪﻭﻫﻔﺘﺎﺩﻭﭘﻨﺞ ﻫﺰﺍﺭﺗﻮﻣﺎﻥ‬ ‫ﻣﻲ ﺑﺎﺷﺪ‪ .‬ﻧﺤﻮﻩ ﻛﺎﺭ ﺍﻳﻦ ﺍﻟﮕﻮﺭﻳﺘﻢ ﺩﺭ ﺷﻜﻞ )‪ (۶‬ﻗﺎﺑﻞ ﻣﺸﺎﻫﺪﻩ ﺍﺳﺖ‪.‬‬
‫ﻣﺒﻠﻎ ﺣﺮﻓﻲ‬

‫‪ -۵-۲‬ﺍﻳﺠﺎﺩ ﺑﺨﺶﻫﺎﻱ ﺁﻣﻮﺯﺷﻲ ﻭ ﺁﺯﻣﺎﻳﺸﻲ ﺑﺮﺍﻱ ﻛﻠﻴﻪ‬

‫ﻓﻴﻠﺪﻫﺎ‬

‫ﻣﺠﻤﻮﻋﻪ ﺗﺼﺎﻭﻳﺮ ﺑﺨﺶ ﺳﻴﺎﻩ ﻭ ﺳﻔﻴﺪ )‪ (binary‬ﺑﻪ ﺩﻭ ﻗﺴﻤﺖ ﺁﻣﻮﺯﺷﻲ‬
‫)‪ (training‬ﻭ ﺁﺯﻣﺎﻳﺸﻲ )‪ (testing‬ﺗﻘﺴﻴﻢ ﺷﺪﻩ ﺍﺳﺖ ﻛﻪ ﺍﺯ ﺑﺨﺶ ﺁﻣﻮﺯﺷﻲ‬
‫ﺑﺮﺍﻱ ﻳﺎﺩﮔﻴﺮﻱ ﺳﻴﺴﺘﻢﻫﺎ ﻭ ﺍﺯ ﺑﺨﺶ ﺁﺯﻣﺎﻳﺸﻲ ﺟﻬﺖ ﺁﺯﻣﺎﻳﺸﺎﺕ ﻭ ﺍﺭﺯﻳﺎﺑﻲ‬
‫ﺗﺸﺨﻴﺺ ﻓﻴﻠﺪﻫﺎﻱ ﻣﺨﺘﻠﻒ ﺳﻴﺴﺘﻢﻫﺎ ﺍﺳﺘﻔﺎﺩﻩ ﻣﻲﺷﻮﺩ ‪ .‬ﺍﺯ ﻣﺠﻤﻮﻋﻪ ﺩﺍﺩﻩﻫﺎﻱ‬
‫ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺑﻪﺻﻮﺭﺕ ﺗﺼﺎﺩﻓﻲ ‪ %۶۰‬ﺑﻪ ﺑﺨﺶ ﺁﻣﻮﺯﺷﻲ ﻭ ‪ %۴۰‬ﺑﻪ‬
‫ﺑﺨﺶ ﺁﺯﻣﺎﻳﺸﻲ ﺍﺧﺘﺼﺎﺹ ﻳﺎﻓﺘﻪ ﺍﺳﺖ ‪.‬‬
‫ﺷﻜﻞ ‪ :۶‬ﺗﺼﻮﻳﺮ ﻭﺭﻭﺩﻱ ﻭ ﮔﺮﻭﻩﻫﺎﻱ ﺑﺮﭼﺴﺐﮔﺬﺍﺭﻱ ﺷﺪﻩ‬
‫ﺩﺭ ﺍﺷﻜﺎﻝ )‪ (۷‬ﻭ )‪ (۸‬ﻧﻤﻮﻧﻪ ﻫﺎﻳﻲ ﺍﺯ ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﻭ‬
‫ﻧﺘﻴﺠﻪ ﺍ‪ ‬ﻋﻤﺎﻝ ﺍﻟﮕﻮﺭﻳﺘﻢ ﻓﻮﻕ ﺑﺮ ﺭﻭﻱ ﺁﻧﻬﺎ ﻛﻪ ﺟﺪﺍﺳﺎﺯﻱ ﻭ ﺗﻔﻜﻴﻚ ﺍﺭﻗﺎﻣﺸﺎﻥ‬
‫ﻣﻲﺑﺎﺷﺪ‪ ،‬ﺁﻭﺭﺩﻩ ﺷﺪﻩ ﺍﺳﺖ‪.‬‬

‫ﺷﻜﻞ ‪ (a ) : ۷‬ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩ ﺍﺯ ﭼﻚ‪ (b) ،‬ﺍﺭﻗﺎﻡ ﺟﺪﺍﺳﺎﺯﻱ ﺷﺪﻩ ﺍﻭﻟ ﻴﻪ‬
‫‪۴‬‬

‫‪ - ۳‬ﺳﺎﺧﺘﺎﺭ ﻛﻠﻲ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻭ ﺷﻤﺎﻱ ﺁﻥ‬

‫ﻫﻤﺎﻧﻄﻮﺭ ﻛﻪ ﻗﺒﻼ ﮔﻔﺘﻪ ﺷﺪ ﻓﻴﻠﺪﻫﺎﻱ ﻣﻮﺟﻮﺩ ﺩﺭ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ‪ ،‬ﺍﺯ ﺗﺼﺎﻭﻳﺮ‬
‫ﺷﻜﻞ ‪ :۸‬ﻳﻜﻲ ﺍﺯ ﻧﻤﻮﻧﻪ ﻫﺎﻱ ﻣﺠﻤﻮﻋﻪ ‪ touching digits‬ﻛﻪ ﺍﺻﻞ ﺗﺎﺭﻳﺦ ‪ ۷۸ /۷/۱۵‬ﻣﻲﺑﺎﺷﺪ‬ ‫ﺍﺳﻜﻦ ﺷﺪﻩ ‪ ۲۰۴۷‬ﭼﻚ ﻭﺍﻗﻌﻲ ﺭﺍﻳﺞ ﺩﺭ ﺳﻴﺴﺘﻢ ﺑﺎﻧﻜﻲ ﺍﻳﺮﺍﻥ ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩﺍﻧﺪ‬
‫ﻛﻪ ﺷﺎﻣﻞ ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ‪ ،‬ﻣﺒﻠﻎ ﻋﺪﺩﻱ‪ ،‬ﻭ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﻣﻲﺑﺎﺷﻨﺪ‪ .‬ﻫﻤﭽﻨﻴﻦ ﺍﻳﻦ‬
‫ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺷﺎﻣﻞ ﺗﺼﺎﻭﻳﺮ ‪ ۸۰۰‬ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺳﺨﺖ ﻭ ﻣﺸﻜﻞ ﺩﺍﺭ‬
‫‪ - ۴‬ﻧﺘﻴﺠﻪ ﮔﻴﺮﻱ‬ ‫ﺍﺯ ﻗﺒﻴﻞ ﺍﺭﻗﺎﻡ ﻣﺘﺼﻞ ﺑﻪ ﻫﻢ )‪ (touching digits‬ﻣﻲﺑﺎﺷﺪ‪ .‬ﻣﺠﻤﻮﻋﻪ ﺗﺼﺎﻭﻳﺮ‬
‫ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺑﺼﻮﺭﺕ ﭘﻨﺞ ﺑﺨﺶ ﻣﺠﺰﺍ ﺷﺎﻣﻞ ‪ :‬ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺍﺻﻠﻲ‬
‫ﺗﺎ ﺑﻪ ﺍﻣﺮﻭﺯ ﻓﻘﺪﺍﻥ ﻳﻚ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺟﺎﻣﻊ ﺍﺯ ﺗﺼﺎﻭﻳﺮ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻭﺍﻗﻌﻲ‬ ‫)‪ ،(original cheque‬ﺗﺎﺭﻳﺦﻫﺎﻱ ﻋﺪﺩﻱ ﺩﺳﺘﻨﻮﻳﺲ )‪ date‬ﺑﺼﻮﺭﺕ ﻫﺠﺮﻱ‬
‫ﻓﺎﺭﺳﻲ ﺩﺭ ﺩﻧﻴﺎ ﺍﺣﺴﺎﺱ ﻣﻲﮔﺮﺩﻳﺪ‪ ،‬ﻛﻪ ﺑﺮ ﺍﻳﻦ ﺍﺳﺎﺱ ﺩﺭ ﺍﻳﻦ ﻣﻘﺎﻟﻪ ﺍﻭﻟﻴﻦ ﻗﺪﻡ‬ ‫ﺷﻤﺴﻲ(‪ ،‬ﻣﺒﺎﻟﻎ ﻋﺪﺩﻱ ﺩﺳﺘﻨﻮﻳﺲ ) ‪ ،(courtesy amount‬ﻣﺒﺎﻟﻎ ﺣﺮﻓﻲ‬
‫ﺍﺳﺎﺳﻲ ﺩﺭ ﺟﻬﺖ ﺍﻳﺠﺎﺩ ﻳﻚ ﺳﻴﺴﺘﻢ ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ‬ ‫ﺩﺳﺘﻨﻮﻳﺲ ) ‪ ،(legal amount‬ﻭ ﺍﺭﻗﺎﻡ ﻣﺘﺼﻞ ﺑﻪ ﻫﻢ )‪،(touching digits‬‬
‫ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ ﺑﺮﺩﺍﺷﺘﻪ ﺷﺪ ﻭ ﻳﻚ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺟﺎﻣﻊ ﺍﺯ ﺗﺼﺎﻭﻳﺮ ﭼﻚﻫﺎﻱ‬ ‫ﺳﺎﺯﻣﺎﻧﺪﻫﻲ ﺷﺪﻩ ﺍﺳﺖ‪ ،‬ﻛﻪ ﻫﺮ ﻛﺪﺍﻡ ﺍﺯ ﺍﻳﻦ ﺑﺨﺶﻫﺎ ﺭﺍ ﻣﻲ ﺗﻮﺍﻥ ﺑﻪ ﻋﻨﻮﺍﻥ ﻳﻚ‬
‫ﺑﺎﻧﻜﻲ ﻭﺍﻗﻌﻲ ﻓﺎﺭﺳﻲ ﺍﻳﺠﺎﺩ ﮔﺮﺩﻳﺪ‪ .‬ﻓﻴﻠﺪﻫﺎﻱ ﻣﻮﺟﻮﺩ ﺩﺭ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ‪ ،‬ﺍﺯ‬ ‫ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻣﺠﺰﺍ ﻣﻮﺭﺩ ﺍﺳﺘﻔﺎﺩﻩ ﻗﺮﺍﺭ ﺩﺍﺩ ‪.‬‬
‫ﺗﺼﺎﻭﻳﺮ ﺍﺳﻜﻦ ﺷﺪﻩ ﺑﻴﺶ ﺍﺯ ‪ ۲۰۰۰‬ﭼﻚ ﻭﺍﻗﻌﻲ ﺭﺍﻳﺞ ﺩﺭ ﺳﻴﺴﺘﻢ ﺑﺎﻧﻜﻲ ﺍﻳﺮﺍﻥ‬ ‫ﺩﺭ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ‪ ،‬ﻫﺮ ﻗﺴﻤﺖ ﺑﻪ ﺳﻪ ﺣﺎﻟﺖ ﺗﻤﺎﻡ ﺭﻧﮕﻲ )‪،(full color‬‬
‫ﺍﺳﺘﺨﺮﺍﺝ ﺷﺪﻩﺍﻧﺪ ﻛﻪ ﺷﺎﻣﻞ ﺗﺼﺎﻭﻳﺮ ﻭﺍﻗﻌﻲ ﭼﻚﻫﺎ‪ ،‬ﻓﻴﻠﺪﻫﺎﻱ ﺟﺪﺍ ﺷﺪﻩ ﺗﺎﺭﻳﺦ‪،‬‬ ‫ﺧﺎﻛﺴﺘﺮﻱ )‪ ،(gray‬ﻭ ﺳﻴﺎﻩ ﻭ ﺳﻔﻴﺪ )‪ (binary‬ﺫﺧﻴﺮﻩ ﺷﺪﻩﺍﻧﺪ‪ .‬ﺳﺎﺧﺘﺎﺭ ﺍﻳﻦ‬
‫ﻣﺒﻠﻎ ﻋﺪﺩﻱ‪ ،‬ﻭ ﻣﺒﻠﻎ ﺣﺮﻓﻲ ﻫﺴﺘﻨﺪ‪ .‬ﻫﻤﭽﻨﻴﻦ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺷﺎﻣﻞ ﺗﺼﺎﻭﻳﺮ‬ ‫ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﺩﺭ ﺷﻜﻞ )‪ (۹‬ﻧﺸﺎﻥ ﺩﺍﺩﻩ ﺷﺪﻩ ﺍﺳﺖ‪.‬‬
‫‪ ۸۰۰‬ﻓﻴﻠﺪ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﺳﺨﺖ ﻭ ﻣﺸﻜﻞ ﺩﺍﺭ ﺍﺯ ﻗﺒﻴﻞ ﺍﺭﻗﺎﻡ ﻣﺘﺼﻞ ﺑﻪ ﻫﻢ‬
‫)‪ (touching digits‬ﻣﻲﺑﺎﺷﺪ ‪ .‬ﺍﮔﺮﭼﻪ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ ﻣﺨﺘﺺ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ‬
‫ﻓﺎﺭﺳﻲ ﻣﻲﺑﺎﺷﺪ ﺍﻣﺎ ﺍﻣﻴﺪ ﺍﺳﺖ ﻋﻼﻭﻩ ﺑﺮ ﺗﻮﺳﻌﻪ ﺗﺤﻘﻴﻘﺎﺕ ﻛﺎﺭﺑﺮﺩﻱ ﺩﺭ ﺯﻣﻴﻨﻪ‬
‫ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚﻫﺎﻱ ﺑﺎﻧﻜﻲ ﻓﺎﺭﺳﻲ‪ ،‬ﻛﻤﻚ ﺷﺎﻳﺎﻧﻲ ﺑﻪ ﺗﺤﻘﻴﻘﺎﺕ ﺩﺭ‬
‫ﺯﻣﻴﻨﻪ ﺗﺸﺨﻴﺺ ﻛﻠﻴﻪ ﺍﺭﻗﺎﻡ ﻭ ﻣﺘﻮﻥ ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ ﻧﻴﺰ ﻧﻤﺎﻳﺪ ‪ .‬ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ‬
‫ﺩﺍﺩﻩ ﻫﻢ ﺍﻛﻨﻮﻥ ﺁﻣﺎﺩﻩ ﺷ ﺪﻩ ﻭ ﻗﺎﺑﻞ ﺍﺭﺍﺋﻪ ﺑﻪ ﻛﻠﻴﻪ ﻣﺆﺳﺴﺎﺕ ﺁﻣﻮﺯﺷﻲ ﻭ ﭘﮋﻭﻫﺸﻲ‬
‫ﺩﺭ ﺳﺮﺍﺳﺮ ﺩﻧﻴﺎ ﻣﻲ ﺑﺎﺷﺪ‪ .‬ﻗﺼﺪ ﺩﺍﺭﻳﻢ ﺩﺭ ﺁﻳﻨﺪﻩ ﺍﻱ ﻧﺰﺩﻳﻚ ﺍﺯ ﺍﻳﻦ ﭘﺎﻳﮕﺎﻩ ﺩﺍﺩﻩ‬
‫ﺟﻬﺖ ﺗﺸﺨﻴﺺ ﻓﻴﻠﺪﻫﺎﻱ ﺗﺎﺭﻳﺦ ﻭ ﻣﺒﻠﻎ ﻋﺪﺩﻱ ﻭ ﺍﻳﺠﺎﺩ ﻳﻚ ﺳﻴﺴﺘﻢ ﻛﺎﻣﻞ‬
‫ﺗﺸﺨﻴﺺ ﺍﺗﻮﻣﺎﺗﻴﻚ ﭼﻚ ﻫﺎﻱ ﺑﺎﻧﻜﻲ ﺩﺳﺘﻨﻮﻳﺲ ﻓﺎﺭﺳﻲ ﺍﺳﺘﻔﺎﺩﻩ ﻧﻤﺎﻳﻴﻢ‪.‬‬

‫ﺗﺸﻜﺮ ﻭ ﻗﺪﺭﺩﺍﻧﻲ‬
‫ﺩﺭ ﭘﺎﻳﺎﻥ‪ ،‬ﻧﻮﻳﺴﻨﺪﮔﺎﻥ ﻣﻘﺎﻟﻪ ﺍﺯ ﺯﺣﻤﺎﺕ ﻛﻠﻴﻪ ﻋﺰﻳﺰﺍﻧﻲ ﻛﻪ ﺩﺭ ﺍﻳﻦ ﻣﻬﻢ‬
‫ﻫﻤﻜﺎﺭﻱ ﻧﻤﻮﺩﻧﺪ؛ ﺑﻪ ﻭﻳﮋﻩ ﻣﺴﺌﻮﻟﻴﻦ ﺑﺎﻧﻜﻲ ﻛﻪ ﺍﺟﺎﺯﻩ ﺍﺳﻜﻦ ﭼﻚ ﻫﺎ ﺭﺍ ﺩﺭ ﺍﺧﺘﻴﺎﺭ‬
‫ﮔﺮﻭﻩ ﻗﺮﺍﺭ ﺩﺍﺩﻧﺪ ﺻﻤﻴﻤﺎﻧﻪ ﺗﺸﻜﺮ ﻭ ﻗﺪﺭﺩﺍﻧﻲ ﻣﻲﻧﻤﺎﻳﻨﺪ‪.‬‬

‫ﻣﺮﺍﺟﻊ‬
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۵

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