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WO2004089642A2 - Tamper proof cheque - Google Patents

Tamper proof cheque Download PDF

Info

Publication number
WO2004089642A2
WO2004089642A2 PCT/IB2004/001101 IB2004001101W WO2004089642A2 WO 2004089642 A2 WO2004089642 A2 WO 2004089642A2 IB 2004001101 W IB2004001101 W IB 2004001101W WO 2004089642 A2 WO2004089642 A2 WO 2004089642A2
Authority
WO
WIPO (PCT)
Prior art keywords
cheque
layer
coated
transparent
signing
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/IB2004/001101
Other languages
French (fr)
Other versions
WO2004089642A3 (en
Inventor
Ari Kahn
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of WO2004089642A2 publication Critical patent/WO2004089642A2/en
Publication of WO2004089642A3 publication Critical patent/WO2004089642A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • 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
    • B42D25/30—Identification or security features, e.g. for preventing forgery
    • B42D25/36—Identification or security features, e.g. for preventing forgery comprising special materials
    • 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
    • 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

Definitions

  • THIS invention relates to a method of preventing cheque fraud.
  • Cheque fraud is commonplace, and may involve the issuing of fraudulent cheques, or tampering with legitimately issued cheques. In the latter case, it is common for the cheque to be altered so that the name of the payee or the amount of the cheque are changed.
  • a method of treating a cheque to prevent cheque fraud comprising applying a transparent protective layer to at least the face of the cheque to prevent tampering with the cheque.
  • a layer of transparent, flexible plastics material is applied to the cheque.
  • the transparent layer may be an adhesive-coated layer which is applied to the face of the cheque.
  • the cheque may be completely encapsulated between first and second protective layers.
  • the cheque may be passed through a laminating machine which encapsulates the cheque between two sheets of plastics material, at least one of which is transparent, with the edges of the sheets extending beyond the edges of the cheque; and bonds the edges of the sheets together.
  • the transparent layer in contact with the face of the cheque is caused to adhere strongly to the cheque, so that removable thereof irreparably defaces the cheque.
  • the method may including applying a date and/or time stamp to the cheque or to the encapsulating plastics material.
  • the method may further include applying an encapsulating machine identity code to the cheque or to the encapsulating plastics material.
  • the encapsulating machine identity code may be encrypted.
  • the cheque may be printed or coated with a protective layer that has a physical characteristic that changes after signing of the cheque, to render it tamper proof.
  • the cheque may be coated with a photosensitive plastics layer that is exposed to a suitable light source after signing thereof, causing the layer to harden irreversibly.
  • the cheque may be coated with a heat sensitive layer that is exposed to heat after signing thereof, causing the layer to harden irreversibly.
  • the cheque is coated with a self- hardening layer that hardens over a predetermined period of time following exposure of the cheque to air.
  • FIG 1 illustrates pictorially the method of the invention in operation
  • Figure 2 is a pictorial view of a cheque which has been encapsulated by the method of the invention.
  • a conventional cheque 10 which may be a p ⁇ nted cheque or a handwritten cheque, but which is complete and signed, is inserted into the input slot 12 of a conventional desktop laminating machine 14.
  • Such machines are designed to encapsulate flat sheets of a predetermined size between two thin, flexible transparent layers of tough plastics material, with the edges of the layers of plastics material extending beyond the edges of the sheet to be encapsulated. The edges are then bonded together, for example, by heat sealing or by adhesive, and the encapsulated article is ejected from the machine.
  • Figure 1 shows the encapsulated cheque 16.
  • the encapsulated cheque 16 has a first, upper layer 18 and a second, lower layer 20 of thin, flexible plastics material, which are shown peeled apart for the sake of clarity.
  • the plastics layers 18 and 20 are sufficiently tough and are sealed together sufficiently strongly that separation thereof is very difficult without damaging the cheque 10 itself.
  • at least the layer 18 has an adhesive coating on its inner surface which adheres strongly to the face of the cheque 10, so that any attempt to separate it from the cheque results in permanent and irreversible damage to the cheque.
  • dedicated laminating machines 14 can be provided which apply a date and/or time stamp to the encapsulated cheque, either to the cheque itself or to the encapsulation thereof.
  • the machine could also have a unique identity code which is imprinted on the cheque or encapsulating material, possibly in an encrypted form, to increase the security of the encapsulation process.
  • encapsulation facilities could be provided at banks and post offices, for example, for use by customers issuing their own cheques. Companies and government departments could of course have their own lamination or encapsulation machines. It is also envisaged that banks or businesses could amend their procedures so as to accept only encapsulated cheques for amounts greater predetermined limits.
  • the printing and lamination steps could be combined in the case of machine printed cheques.
  • the cheque instead of physically laminating or coating the cheque after printing and/or signing thereof, the cheque can be printed or coated with a protective layer that has a physical characteristic that changes after signing of the cheque, to render it tamper proof.
  • the protective layer can be a photosensitive plastics layer that is exposed to a suitable light source, such as a UV light source, after signing thereof, causing the layer to harden irreversibly.
  • the protective layer could be a heat sensitive layer that is exposed to heat after signing of the cheque to cause the layer to harden irreversibly, or could be a self-hardening layer designed to harden over a predetermined period of time after application thereof, following exposure of the cheque to air, for example.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Exposure And Positioning Against Photoresist Photosensitive Materials (AREA)
  • Laminated Bodies (AREA)

Abstract

A method of preventing cheque fraud comprises applying a transparent protective layer to at least the face of the cheque to prevent tampering with the cheque. The transparent layer can be an adhesive-coated layer which is applied to the face of the cheque. Alternatively, the cheque can be completely encapsulated between first and second protective plastics layers, using an encapsulating machine. In another embodiment of the method, the cheque is printed or coated with a protective layer that has a physical characteristic that changes after signing of the cheque, to render it tamper proof. For example, the cheque can be coated with a photosensitive plastics layer that is exposed to a suitable light source after signing thereof, causing the layer to harden irreversibly.

Description

TAMPER PROOF CHEQUE
BACKGROUND OF THE INVENTION
THIS invention relates to a method of preventing cheque fraud.
Cheque fraud is commonplace, and may involve the issuing of fraudulent cheques, or tampering with legitimately issued cheques. In the latter case, it is common for the cheque to be altered so that the name of the payee or the amount of the cheque are changed.
It is an object of the invention to address this problem. SUMMARY OF THE INVENTION
According to the invention there is provided a method of treating a cheque to prevent cheque fraud, the method comprising applying a transparent protective layer to at least the face of the cheque to prevent tampering with the cheque.
In one embodiment of the method, a layer of transparent, flexible plastics material is applied to the cheque.
The transparent layer may be an adhesive-coated layer which is applied to the face of the cheque.
Alternatively, the cheque may be completely encapsulated between first and second protective layers.
For example, the cheque may be passed through a laminating machine which encapsulates the cheque between two sheets of plastics material, at least one of which is transparent, with the edges of the sheets extending beyond the edges of the cheque; and bonds the edges of the sheets together.
In either case, it is preferred that the transparent layer in contact with the face of the cheque is caused to adhere strongly to the cheque, so that removable thereof irreparably defaces the cheque.
The method may including applying a date and/or time stamp to the cheque or to the encapsulating plastics material.
The method may further include applying an encapsulating machine identity code to the cheque or to the encapsulating plastics material.
The encapsulating machine identity code may be encrypted. ln another embodiment of the method, the cheque may be printed or coated with a protective layer that has a physical characteristic that changes after signing of the cheque, to render it tamper proof.
For example, the cheque may be coated with a photosensitive plastics layer that is exposed to a suitable light source after signing thereof, causing the layer to harden irreversibly.
Alternatively, the cheque may be coated with a heat sensitive layer that is exposed to heat after signing thereof, causing the layer to harden irreversibly.
In another alternative embodiment, the cheque is coated with a self- hardening layer that hardens over a predetermined period of time following exposure of the cheque to air.
BRIEF DESCRIPTION OF THE DRAWINGS
Figure 1 illustrates pictorially the method of the invention in operation; and
Figure 2 is a pictorial view of a cheque which has been encapsulated by the method of the invention.
DESCRIPTION OF PREFERRED EMBODIMENTS
As shown in Figure 1 , a conventional cheque 10, which may be a pπnted cheque or a handwritten cheque, but which is complete and signed, is inserted into the input slot 12 of a conventional desktop laminating machine 14. Such machines are designed to encapsulate flat sheets of a predetermined size between two thin, flexible transparent layers of tough plastics material, with the edges of the layers of plastics material extending beyond the edges of the sheet to be encapsulated. The edges are then bonded together, for example, by heat sealing or by adhesive, and the encapsulated article is ejected from the machine. Figure 1 shows the encapsulated cheque 16.
Referring to Figure 2, it can be seen that the encapsulated cheque 16 has a first, upper layer 18 and a second, lower layer 20 of thin, flexible plastics material, which are shown peeled apart for the sake of clarity. In practice, the plastics layers 18 and 20 are sufficiently tough and are sealed together sufficiently strongly that separation thereof is very difficult without damaging the cheque 10 itself. Preferably, at least the layer 18 has an adhesive coating on its inner surface which adheres strongly to the face of the cheque 10, so that any attempt to separate it from the cheque results in permanent and irreversible damage to the cheque.
In a refinement of the invention, dedicated laminating machines 14 can be provided which apply a date and/or time stamp to the encapsulated cheque, either to the cheque itself or to the encapsulation thereof. The machine could also have a unique identity code which is imprinted on the cheque or encapsulating material, possibly in an encrypted form, to increase the security of the encapsulation process. It is envisaged that encapsulation facilities could be provided at banks and post offices, for example, for use by customers issuing their own cheques. Companies and government departments could of course have their own lamination or encapsulation machines. It is also envisaged that banks or businesses could amend their procedures so as to accept only encapsulated cheques for amounts greater predetermined limits.
It will be appreciated that numerous variations of the invention are possible. For example, instead of laminating a signed cheque, the printing and lamination steps could be combined in the case of machine printed cheques. ln another variation, instead of physically laminating or coating the cheque after printing and/or signing thereof, the cheque can be printed or coated with a protective layer that has a physical characteristic that changes after signing of the cheque, to render it tamper proof. The protective layer can be a photosensitive plastics layer that is exposed to a suitable light source, such as a UV light source, after signing thereof, causing the layer to harden irreversibly. Instead, the protective layer could be a heat sensitive layer that is exposed to heat after signing of the cheque to cause the layer to harden irreversibly, or could be a self-hardening layer designed to harden over a predetermined period of time after application thereof, following exposure of the cheque to air, for example.

Claims

1. A method of treating a cheque to prevent cheque fraud, the method comprising applying a transparent protective layer to at least the face of a cheque to prevent tampering with the cheque.
2. A method according to claim 1 wherein a layer of transparent, flexible plastics material is applied to the cheque.
3. A method according to claim 2 wherein the transparent layer is an adhesive-coated layer which is applied to the face of the cheque.
4. A method according to claim 1 wherein the cheque is completely encapsulated between first and second protective layers.
5. A method according to claim 4 wherein the cheque is passed through a laminating machine which encapsulates the cheque between two sheets of plastics material, at least one of which is transparent, with the edges of the sheets extending beyond the edges of the cheque; and bonds the edges of the sheets together.
6. A method according to any one of claims 3 to 5 wherein a transparent layer in contact with the face of the cheque is caused to adhere strongly to the cheque, so that removable thereof irreparably defaces the cheque.
7. A method according to claim 5 including applying a date and/or time stamp to the cheque or to the encapsulating plastics material.
8. A method according to claim 5 including applying an encapsulating machine identity code to the cheque or to the encapsulating plastics material.
9. A method according to claim 8 including encrypting the encapsulating machine identity code.
10. A method according to claim 1 wherein the cheque is printed or coated with a protective layer that has a physical characteristic that changes after signing of the cheque, to render it tamper proof.
11. A method according to claim 10 wherein the cheque is coated with a photosensitive plastics layer that is exposed to a suitable light source after signing thereof, causing the layer to harden irreversibly.
12. A method according to claim 10 wherein the cheque is coated with a heat sensitive layer that is exposed to heat after signing thereof, causing the layer to harden irreversibly.
13. A method according to claim 10 wherein the cheque is coated with a self-hardening layer that hardens over a predetermined period of time following exposure of the cheque to air.
PCT/IB2004/001101 2003-04-09 2004-04-08 Tamper proof cheque Ceased WO2004089642A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200302765 2003-04-09
ZA2003/2765 2003-04-09

Publications (2)

Publication Number Publication Date
WO2004089642A2 true WO2004089642A2 (en) 2004-10-21
WO2004089642A3 WO2004089642A3 (en) 2004-11-25

Family

ID=33160177

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2004/001101 Ceased WO2004089642A2 (en) 2003-04-09 2004-04-08 Tamper proof cheque

Country Status (1)

Country Link
WO (1) WO2004089642A2 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1600303A1 (en) * 2004-05-25 2005-11-30 Paolo Bonelli Anti-forgery or anti-modification system for documents, particularly cheques
WO2016099484A1 (en) * 2014-12-17 2016-06-23 Hewlett Packard Enterprise Development Lp Disabling device including adhesive to disable an electrical interface

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NL8303102A (en) * 1983-09-07 1985-04-01 Het Noorden Ingbureau LAMINATING DEVICE.
AU4680993A (en) * 1992-07-17 1994-02-14 Tsl Incorporated A tamper evident and counterfeit resisting informational article and associated method
AU4747896A (en) * 1995-01-09 1996-07-31 Optical Security Industries, Inc. Method of protecting an article from alteration and a related alteration resistant article
AU2174897A (en) * 1996-02-29 1997-10-01 Ernest Chock Anticounterfeit documentation with see-through and writeable hologram
JP2000085010A (en) * 1998-09-16 2000-03-28 Asuka:Kk Desktop laminator

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1600303A1 (en) * 2004-05-25 2005-11-30 Paolo Bonelli Anti-forgery or anti-modification system for documents, particularly cheques
WO2016099484A1 (en) * 2014-12-17 2016-06-23 Hewlett Packard Enterprise Development Lp Disabling device including adhesive to disable an electrical interface

Also Published As

Publication number Publication date
WO2004089642A3 (en) 2004-11-25

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