[go: up one dir, main page]

WO1992005034A1 - Systeme de securite pour cheques - Google Patents

Systeme de securite pour cheques Download PDF

Info

Publication number
WO1992005034A1
WO1992005034A1 PCT/GB1991/001606 GB9101606W WO9205034A1 WO 1992005034 A1 WO1992005034 A1 WO 1992005034A1 GB 9101606 W GB9101606 W GB 9101606W WO 9205034 A1 WO9205034 A1 WO 9205034A1
Authority
WO
WIPO (PCT)
Prior art keywords
cheque
signature
ink
cheques
kit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/GB1991/001606
Other languages
English (en)
Inventor
John Kevin Thompson
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Consul Printing & Packaging Ltd
Original Assignee
Consul Printing & Packaging Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Consul Printing & Packaging Ltd filed Critical Consul Printing & Packaging Ltd
Publication of WO1992005034A1 publication Critical patent/WO1992005034A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
    • G07D7/06—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency using wave or particle radiation
    • G07D7/12—Visible light, infrared or ultraviolet radiation
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
    • B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
    • B42D25/29—Securities; Bank notes

Definitions

  • THE PRESENT INVENTION relates to cheque security and more particularly to the security of cheques in the form of traveller's cheques.
  • traveller's cheques can be purchased which may be exchanged for cash in a foreign country.
  • the cheques are each of a predetermined value and a desired number of cheques are assembled into a book of cheques by the issuing body, depending upon the total value of the cheques required.
  • This type of traveller's cheque usually has two positions on each cheque where the cheque must be signed. Upon issuance each cheque must initially be signed by the purchaser before the person issuing the cheques. Each cheque must then be signed for a second time before the cashier when it is being cashed. This enables the cashier to check that the two signatures tally.
  • the present invention seeks to provide for improved security of cheques of the type discussed above, where the cheques must each be signed twice, once before the issuing body and again when being cashed.
  • a cheque defining two positions at which the cheque must be signed at different times and tamper-proof means temporarily concealing a first signature applied to the cheque, said tamper-proof means being adapted to permit the first signature to be revealed after the cheque has been signed with a second signature.
  • the tamper-proof means temporarily concealing the first signature comprise a self-adhesive label adhered to the cheque over the first signature.
  • the self-adhesive label comprises a transparent supporting substrate carrying a removable, opaque coating on its upper surface and a coating of adhesive on its undersurface.
  • the removable opaque coating may comprise a scratch-off ink or may comprise a layer of ink covered by a film, the film being attached to the ink so that the ink can be peeled off the supporting substrate with the film.
  • the cheque is provided with a marking which is only visible under an ultraviolet light.
  • the cheque may be a traveller's cheque and may be present in a book of cheques or a collection of individual cheques.
  • a kit of parts for creating a cheque comprising a cheque defining two positions at which the cheque must be signed at different times and tamper-proof means for temporarily concealing a first signature applied to the cheque, said tamper-proof means being adapted to permit the first signature to be revealed after the cheque has been signed with a second signature.
  • the tamper-proof means for tempor ⁇ arily concealing the first signature comprise a self- adhesive label.
  • the self-adhesive label comprises a transparent supporting substrate carrying a removable, opaque coating on its upper surface and a coating of adhesive on its under surface.
  • the removable opaque coating may comprise a scratch-off ink or may comprise a layer of ink covered by a film, the film being attached to the ink so that the ink can be peeled off the supporting substrate with the film.
  • the kit comprises a plurality of cheques and a plurality of labels, the labels being carried upon a backing sheet from which they may be readily removed.
  • the labels may be provided in a dispenser, which may incorporate means for removing each label from the backing sheet as it is withdrawn from the dispenser.
  • the or each cheque may be in the form of a traveller's cheque.
  • a plurality of cheques may be provided in a book of cheques or a collection of individual cheques.
  • a method of improving the security of cheques comprising the steps of having the cheque signed for a first time by the person to whom it is being issued upon issuance of the cheque, temporarily concealing the signature applied to a cheque upon issuance thereof in a tamper-proof manner, having the cheque signed for a second time by the person cashing the cheque and subsequently revealing the signature applied to the cheque upon issuance thereof in order to compare the two signatures.
  • the step of temporarily concealing the signature in a tamper-proof manner comprises the application of a self-adhesive label to the cheque over the signature.
  • the self-adhesive label comprises a transparent supporting substrate carrying a removable, opaque coating on its upper surface and a coating of adhesive on its under surface.
  • the removable opaque coating may comprise a scratch-off ink or may comprise a layer of ink covered by a film, the film being attached to the ink so that the ink can be peeled off the supporting substrate with the film.
  • This invention also provides a method of issuing a cheque, the method comprising the steps of having the cheque signed by the person to whom it is being issued and then temporarily concealing the signature applied to the cheque in a tamper-proof manner.
  • the signature is concealed by the application of self- adhesive label to the cheque over the signature.
  • the label comprises a transparent supporting substrate carrying a removable, opaque coating on its upper surface and a coating of adhesive on its under surface.
  • This invention also provides a method of cashing a cheque which has been issued according to the method described above, the cashing method comprising the steps of having the cheque signed for a second time by the person cashing the cheque and then revealing the first signature applied to the cheque upon issuance thereof in order to compare the two signatures.
  • the step of revealing the signature applied to the cheque upon issuance thereof comprises removing the opaque coating from the upper surface of the supporting substrate of the label.
  • a set of traveller's cheques 1 comprises a number of individual cheques 2 each of a predetermined value. Whilst Figure 1 illus ⁇ trates a cheque with a face value of twenty pounds Sterling, it is to be appreciated that this invention can be used with cheques of any value or currency. It is, for example, common in the United Kingdom for traveller's cheques to be issued in US Dollars.
  • Each cheque 2 defines two readily identifiable regions 3, 4 where the cheque must be signed, the cheque being signed in the first region 3 upon issuance of the cheques and in the second region 4 when a cheque is cashed.
  • the regions 3 , 4 are of a predetermined size.
  • the cheques 2 as thus far described are conventional.
  • each cheque Upon issuance of a set of traveller's cheques it is current practice for each cheque to be signed once before the issuing authority and for the cheques then to be assembled to form a book of cheques. Alternatively the cheques can be issued loose i.e. without being assembled into a book .
  • the issuing authority is provided with a supply of trav ⁇ eller's cheques 1 and also with a supply of self- adhesive labels 5 in a dispenser 6.
  • the labels 5 are carried on a backing sheet 7 from which they may readily be removed.
  • the backing sheet may be in the form of a sheet of waxed paper or the like.
  • the backing sheet is rolled up to form a reel which is contained within the dispenser 6.
  • the labels may be withdrawn from the dispenser by pulling the backing sheet through an outlet slot 8.
  • the outlet slot 8 may incorporate means for separating the labels 5 from the backing sheet 7 as the sheet is pulled through the slot 8.
  • the labels may be orientated on the backing sheet with their longitudinal axes parallel to the direction in which the sheet carrying the labels is withdrawn from the dispenser in order to facilitate manual removal of the labels from the backing sheet.
  • the dispenser may be automated, rather than being manually operable, so as to speed up dispensing of the labels.
  • the labels 5 are of a predetermined shape and size, corresponding to the shape and size of the signa ⁇ ture regions 3 > 4 on each cheque 2 and are designed to be stuck over the signature regions 3 , 4.
  • Each label 5 comprises a transparent supporting substrate carrying an opaque 'scratch-off ink on its upper surface. The scratch-off ink may be removed by 'rubbing' it with a sharp object such as the edge of a coin. The label then becomes transparent.
  • the labels may be provided with an alternative removable coating on the upper surface of the supporting substrate, such as a thin film of metal or plastics material.
  • the suppor ⁇ ting substrate may carry a layer of ink upon which a thin top laminate or film is applied with the top laminate being stuck to the ink so that as the laminate is peeled off it takes the ink with it, leaving the transparent supporting substrate behind.
  • the label will be designed such that the film carrying the ink cannot subsequently be reapplied to the supporting substrate or at least will not readily stick thereto again.
  • the under surface of the supporting substrate is provided with an adhesive which enables the label to be stuck on conventional paper, such as is used to form cheques.
  • the label cannot subsequently be removed as a whole without visibly marking or tearing the paper or without damaging or destroying the label by tearing it.
  • the label may be formed with slits so that it readily tears when it is removed or if an attempt is made to remove it from a cheque, thereby rendering it virtually impossible to reapply the label to the cheque.
  • the adhesive on the undersurface of the supporting substrate does, of course, permit the labels to be readily removed, as a whole, from the specially treated backing sheet 7-
  • the adhesives used in the label construction would be secure in all environments and temperatures and would be non-migratory so as not to affect the pre ⁇ printed cheques.
  • the cheque issuing authority will be supplied with a batch of cheques and with a corresponding number of labels 5 in a dispenser 6.
  • the person purchasing the cheques will be requested to sign each cheque before the issuing authority in the usual manner.
  • a self-adhesive label 5 will then be removed from the backing sheet 7 by the issuing authority and will be applied to a signed cheque in order to cover the signature.
  • the issuing authority will assemble the cheques into a book of cheques in the usual way, unless the purchaser wishes to take the cheques loose rather than in a book.
  • the purchaser wishes to cash one or more of the traveller's cheques he will be requested to sign each of the cheques in the second signature region 4 and the cashier will then 'scratch-off, peel off or other ⁇ wise remove the ink or any other coating on the label 5 in order to reveal the initial signature applied to the cheque, the signature now being located beneath the transparent supporting substrate left behind.
  • the two signatures can then be compared in order to check that they correspond with one another.
  • the labels 5 effec ⁇ tively provide a tamper-proof means for temporarily concealing the signature initially applied to each of the cheques.
  • the security of the traveller's cheques may be further improved by forming the cheques on paper which is provided with a marking which is only visible under an ultravoilet light. It would then be immediately apparent upon inspection of the cheques under an ultra ⁇ violet light whether the cheques are forged.
  • Security could be further enhanced by various features, such as the use of materials which disinteg ⁇ rate if tampered with, treating the adhesive provided between the ink on the label and the top film in the case where the ink is to be peeled off, so that only partial delamination takes place as the ink is peeled off with some areas of ink being left on the supporting substrate of the label, thereby making it very difficult for someone to try and reapply the removed part of the label.
  • Chemical security inks could be used which change colour when tampered with or which show evidence of tampering in some other way.
  • the signature regions 3, 4 may be marked in such a way as to be visually dis ⁇ tinguishable from the remaining area of the face of the cheque so that if the opaque coating is successfully removed, unless it is reapplied in exactly the correct position over the signature region, there will be a visual indication that the label has been tampered with.
  • the label dis- cash may be semi or fully automated so that it auto ⁇ matically applies a label to a cheque.
  • the label dispensing apparatus would define an opening into which a signed cheque is inserted.
  • the dispenser Upon detecting the presence of the cheque the dispenser would automatically apply a label to the cheque covering the signature or the signature region if the cheque is unsigned.

Landscapes

  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Toxicology (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

Un carnet de chèques (1), tels que des chèques de voyage, comprend un certain nombre de chèques (2) présentant chacun deux positions (3, 4) auxquelles on doit signer le chèque (2) et un assortiment d'étiquettes (5) auto-adhésives, anti-fraude, qu'on peut appliquer sur le chèque (2) afin de couvrir une signature dont le chèque (2) est revêtu à son émission. Quand le chèque (2) est encaissé, il est signé pour une deuxième fois devant le caissier et celui-ci retire l'étiquette (5) recouvrant la première signature afin de comparer la première et la deuxième signature. Les étiquettes (5) fournissent un moyen de prévenir toute tentative de fraude pour chaque chèque (2) en occultant temporairement la première signature appliquée sur le chèque (2), de façon qu'elle ne puisse pas être vérifiée si les chèques (2) sont perdus ou volés.
PCT/GB1991/001606 1990-09-19 1991-09-19 Systeme de securite pour cheques Ceased WO1992005034A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB9020406A GB9020406D0 (en) 1990-09-19 1990-09-19 Cheque security
GB9020406.6 1990-09-19

Publications (1)

Publication Number Publication Date
WO1992005034A1 true WO1992005034A1 (fr) 1992-04-02

Family

ID=10682407

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB1991/001606 Ceased WO1992005034A1 (fr) 1990-09-19 1991-09-19 Systeme de securite pour cheques

Country Status (3)

Country Link
AU (1) AU8610591A (fr)
GB (1) GB9020406D0 (fr)
WO (1) WO1992005034A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993013942A1 (fr) * 1992-01-16 1993-07-22 Francesco Bosisio Procede de stratification de films plastiques protecteurs sur des documents en papier
FR2708127A1 (fr) * 1993-07-22 1995-01-27 Gay Alain Dispositif pour identifier le porteur ou l'émetteur de documents. Documents équipés de ce dispositif et utilisation de ceux-ci.
FR2772719A1 (fr) * 1997-12-23 1999-06-25 Thomson Csf Procede de fabrication de documents securises et systeme de mise en oeuvre

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB1083869A (en) * 1963-12-12 1967-09-20 Julian Stanford Halbern Improvements in check identification
DE1599011A1 (de) * 1968-03-02 1972-02-10 Komiyama Eizo Identifizierungskarte
US3950013A (en) * 1975-03-13 1976-04-13 Tagliaferri Dominick P System for preventing unauthorized cashing of travelers checks or the like
GB2073661A (en) * 1980-04-11 1981-10-21 Transaction Technology Inc Apparatus and method for personalizing checks
FR2587523A1 (fr) * 1985-01-18 1987-03-20 Bucari Claude Procede et moyens pour rendre inviolable un chequier vole ou perdu
FR2596901A1 (fr) * 1986-04-03 1987-10-09 Bucari Claude Chequier inviolable et procede de controle des cheques

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB1083869A (en) * 1963-12-12 1967-09-20 Julian Stanford Halbern Improvements in check identification
DE1599011A1 (de) * 1968-03-02 1972-02-10 Komiyama Eizo Identifizierungskarte
US3950013A (en) * 1975-03-13 1976-04-13 Tagliaferri Dominick P System for preventing unauthorized cashing of travelers checks or the like
GB2073661A (en) * 1980-04-11 1981-10-21 Transaction Technology Inc Apparatus and method for personalizing checks
FR2587523A1 (fr) * 1985-01-18 1987-03-20 Bucari Claude Procede et moyens pour rendre inviolable un chequier vole ou perdu
FR2596901A1 (fr) * 1986-04-03 1987-10-09 Bucari Claude Chequier inviolable et procede de controle des cheques

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993013942A1 (fr) * 1992-01-16 1993-07-22 Francesco Bosisio Procede de stratification de films plastiques protecteurs sur des documents en papier
FR2708127A1 (fr) * 1993-07-22 1995-01-27 Gay Alain Dispositif pour identifier le porteur ou l'émetteur de documents. Documents équipés de ce dispositif et utilisation de ceux-ci.
FR2772719A1 (fr) * 1997-12-23 1999-06-25 Thomson Csf Procede de fabrication de documents securises et systeme de mise en oeuvre
EP0925956A1 (fr) * 1997-12-23 1999-06-30 Thomson-Csf Procédé de fabrication de documents sécurisés et système de mise en oeuvre

Also Published As

Publication number Publication date
AU8610591A (en) 1992-04-15
GB9020406D0 (en) 1990-10-31

Similar Documents

Publication Publication Date Title
US4591190A (en) Voucher with self-contained verification means
JP2668110B2 (ja) 印刷方法
US4738473A (en) Ticket with scratch-off coating and method and apparatus for fabricating same at point of sale
US7422781B2 (en) Tamper indicating devices and methods for securing information
US5174608A (en) Transparent tamperproof seal for the protection of signed texts and documents
EP0974951B1 (fr) Etiquette pour cacher des informations
WO1993018924A1 (fr) Bande holographique pour apposer une signature et traite bancaire holographique
EP0939947B1 (fr) Etiquettes et leur procede de fabrication
GB2243578A (en) Security label
US10937341B2 (en) Peel-able, tamper-evident security label for concealing information
US20040150220A1 (en) Security articles
US4787950A (en) Method for fabricating imprinted ticket with scratch-off coating
EP0251581A2 (fr) Réserve de feuilles pour jeu de lotterie
EP0326724A1 (fr) Billet imprimé avec couche grattable et méthode et dispositif de fabrication et point de vente
WO1992005034A1 (fr) Systeme de securite pour cheques
US20120018994A1 (en) Lottery ticket with holographic appearance
JP2002082616A (ja) 偽造防止ラベル
JP4003632B2 (ja) 可変情報印刷物
JP3530285B2 (ja) くじ付きラベル及び回収くじ付きラベルの確認方法
US20050230958A1 (en) Paper
JPH0217360B2 (fr)
US20040157046A1 (en) Gaming ticket
CA1212395A (fr) Piece comptable a autoverification
EP0296301A1 (fr) Scellé inviolable pour conteneurs postaux et similaire
AU716223B3 (en) Improved tamper-evident form

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AU CA JP KR NO SU US

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): AT BE CH DE DK ES FR GB GR IT LU NL SE

NENP Non-entry into the national phase

Ref country code: CA