FR2679830A1 - Method of making an anti-theft cheque with aide mémoire - Google Patents

Abstract

Method of making an anti-theft cheque (1) in which each cheque has three boxes (2), (3), (4). Box (2) contains a figure in the tens, box (3) is left blank for the user to write in the password and box (4) contains a printed password hidden by an opaque scratch-off film. A portable aide-mémoire to protect the password by means of a secret access code completes the method. The method applies to bank cheques.

Description

Anti-theft check manufacturing process
with reminder.

 The present invention relates to a method of manufacturing an anti-theft check with memory aid, scraping system and password.

 In known devices of this kind, it is not possible to prevent a stolen or lost bank check book from being used by anyone other than its owner. Bank checks do not include a manufacturing process with memory aid and password with human memory, or with calculator agenda and access code, or program agenda with access code. The current manufacturing processes only include bundles of checks printed in series with only a continuous visible numbering by sections gathered in a booklet with the unique possibility of signature for the owner of the book (s).

 The manufacturing process according to the invention makes it possible to avoid these drawbacks. In this one, in fact, it is possible to make bundles of personalized bank checks, gathered in a book, making it possible to prevent any book of stolen or lost bank checks from being used by anyone other than its owner.

 To combat the theft of bank checks, there are: 1) bank opposition.

2) computer files which link certain traders to a central file.

 The first device has the disadvantage of allowing the thief to issue several checks between the time of the theft and the opposition.

 The centralized file has the disadvantage that very few merchants in France are equipped with this system.

 These two systems do not prevent theft of checks.

 The process according to the present invention (anti-theft check) makes it possible to avoid these drawbacks. Indeed, in the present system any lost or stolen check is unusable because it becomes simple paper and there is no need to file a complaint or opposition, which will avoid an overload of management for the police and bankers.

 The anti-theft check method which is the subject of the invention comprises: 1) Check book with secret password.

2) Checklist.

 On each check, the banker must have three boxes added by his printer. On a box will be written a number: 1, 2, 3 ... etc ... in the order of 1 to 10, 20, 30 ... etc ...

according to the number of checks in the book.

 A blank box which will be used by the user of the check to enter their password.

 A box where the password will be hidden by an opaque temporary printed veil, to be removed by a scraping system to reveal the password.

 The password for these two boxes will be a letter of the alphabet out of order.

 Checklist: Given the number of checks in a checkbook, this system must be accompanied by a transportable memory. Four possibilities are possible. Good to know: - Human memory: possible for a book of ten checks, with password per group of letters and number of the check.

- Calculator with agenda and programmable secret access code.

- Diary with password industrially manufactured by bankers and programmable by the user or programmed by the banker.

 These three devices protect the password with a secret access code.

 Principle of use: Anyone issuing a check must write in the white box the letter which corresponds to the check number. The user obtains the password letter by typing their secret access code and the check number in the memory aid device.

 The person receiving the check must scratch the hidden box and the two letters must be identical.

 No one should accept an already scratched check.

 To improve the security of this system, it is imperative never to leave two check books together.

 Principle of using the bank check with password and scraping system. Each check must have a number, example: 1, 2, 3 ... and, under the scratch part, must correspond to each figure a letter of the alphabet in disorder, provided by the banker and hidden by scratch system . No check should be accepted if it has been scratched in advance. To secure this system, the banker should never send two check books by mail together.

 According to a variant of the invention, the number of each check will be two boxes.

1) A box for password.

2) and a box with check number concealed by an opaque temporary printed veil to be removed by a scraping system to reveal the password.

 The accompanying drawings illustrate by way of example the embodiments of the process according to the present invention.

Plate 1/3 represents: - In Figure I, a bank check 1 before use with its three boxes:
- In box 2 will be written a number 1, 2, 3 ... etc ... in the order of 1 to 10, 20, 30 ... etc ... depending on the number of checks in the book.

 - A blank box 3 which will be used by the user of the check to enter their password.

 - A box 4 where the password will be concealed by a temporary opaque printed veil to be removed by a scraping system to reveal the password.

- In Figure 2, a bank check after use with its three boxes 2, 3 and 4.

Plate 2/3 shows in Figure 3 a bank check 5 before use with its two boxes:
- A blank box 3 which will be used by the user of the check to enter their password.

 - A box 4 where the password will be concealed by an opaque temporary printed veil to be removed by a simple scraping to reveal the password.

Plate 3/3 represents:
- in FIG. 4, an example of human memory with password 6 by group of letters and number of the check 7.

 The example given is intended for a book of ten possible checks.

 - In Figure 5, a trade calculator with agenda and programmable secret access code.

 - in Figure 6, an agenda with access code or password, manufactured industrially and supplied by the banker.

This agenda is programmable by the banker or by the user according to the desired access code.

 - In Figure 7, as an alternative to the agenda in Figure 6, an agenda with access code and password programmed by the banker.

Claims (4)

CLAIMS 10 / Anti-theft check manufacturing process, characterized by the fact that each check has three specific boxes (2) - (3) - (4), as well as a transportable memory protecting the password by a code secret access. 20 / A method according to claim 1, characterized in that on the box (2) is written a number in the order of tens according to the number of checks in the book. 30 / A method according to claim 1, characterized in that on the white box (3), the user will enter his password. 40 / A method according to claim 1, characterized in that on the box (4) the impression of a password is concealed by an opaque veil printed provisional to be removed by scraping. 50 / Method according to Claim 1, characterized in that, as a variant, there can be on each check only boxes (3) and (4) 60 / Method according to Claim 1, characterized in that the transportable memory can be a human memory aid or alternatively a calculator with agenda and programmable secret access code or an agenda with password industrially manufactured by bankers and programmable by the user or programmed by the banker.