ITRM20140010A1 - NEGOTIABLE DOCUMENT PROVIDED FOR MEANS OF VERIFYING THEIR AUTHENTICITY - Google Patents

Description

Description of the invention entitled:

"NEGOTIABLE DOCUMENT PROVIDED WITH MEANS TO VERIFY AUTHENTICITY"

DESCRIPTION

The present invention refers to a negotiable document comprising a paper support with front and back, compilation areas and numbering areas arranged at least on the front of said paper support, hence it refers to the banking - financial sector and the related securities issued: more specifically, it refers to techniques for the security and protection of negotiable documents - such as checks, coupons, interest-bearing bonds, letters of credit, insurance forms, etc. -, from the point of view of the risks of alteration for fraudulent purposes. Furthermore, the present invention refers to the field of image processing, image recognition as well as the related processing of the information contained therein.

STATE OF THE TECHNIQUE

By negotiable documents we mean, particularly though not exclusively, those documents which in the banking and financial sphere are considered as credit instruments. In practice, these are generally bank checks or bank drafts.

As it is known, checks, being subject to the risk of falsification, are provided with various authentication means comprising strings of numbers, possibly also encoded, distributed on the paper support which constitutes the negotiable document. When read and possibly decoded, at the time of negotiation and collection of the negotiable document, the strings of numbers make it possible to establish whether the negotiable document is authentic or not. According to a known technique, the numerical strings, coded or not, are printed or in magnetic characters or with both systems, in specific areas of a numbering area known in the sector as "code line" in addition to areas in which the indications of the credit institution that issued the negotiable document are shown and in which the individual numbering of the specific negotiable document is reported.

Examples of such means of authentication of the checks which are used during the electronic management of the same, are described in US 3.829.133, US 5.432.506 and in WO 97/26615.

The reading of the code line is normally carried out at the time of negotiation and collection of the negotiable document electronically through special devices that can detect the codes and numbers of the negotiable document itself and therefore provide useful information to establish whether the negotiable document is authentic or if it has falsified parts.

In accordance with the known technique, the authenticity of a negotiable document is also identified through the use of areas printed with invisible inks that are made visible only through their illumination with ultraviolet light such as that emitted by conventional lamps, known as Wood lamps. .

The various means currently in use to verify the authenticity of a negotiable document, although satisfactory when the check is managed and processed with the manipulation of its paper support, require further implementation in the event that the negotiable document is managed with systems that they foresee cross-type checks and are based on the treatment of the image of the front and the back after having been detected optically and electronically.

For an overall analysis of the possible anti-fraud measures to be taken, the following embezzlement phenomena should be taken into consideration at system level:

• Theft - fraud based on the stealing of blank checks that are filled out and presented for cashing. The number of the check in the codeline is valid and is not altered (obviously the other fields "beneficiary" and "amount" are not altered because the check is stolen blank). In cases of theft, it is assumed that the security has been reported in the CAI-PASS archive, allowing the drawing bank not to make the payment. If the "scammer" acts as quickly as possible or if there is a delay / failure to report the theft, the fraud attempt could instead be successful; • Counterfeiting - fraud based on the stealing of blank checks that are filled in and modified in the codeline (check number) before being presented for cashing. In this case the scammer overcomes the obstacle relating to the registration in CAI-PASS of the stolen check because the security presented for payment has a different numbering;

• Alteration - type of fraud for which a regularly filled check is subjected to attempts to alter the "beneficiary" and / or "amount" fields. The check number in the codeline is valid and is not altered. In cases of alteration, the title is lost or stolen and therefore should be reported in the CAI-PASS archive allowing the drawee bank not to make the payment. If the "scammer" acts as quickly as possible or if there is a delay / failure to report by the legitimate bearer, the fraud attempt could instead be successful;

• Cloning - fraud characterized by the stealing of a check which is reproduced by modifying its codeline (check number) and then filled in for the purposes of presentation for payment. Also in this case, the different numbering of the check in the codeline makes it possible to circumvent any checks carried out by the drawing bank on the CAI-PASS archive. In the case of cloning, the scammer is called upon to replicate the checks (type of paper, watermark, textures or other) thus making it possible in some cases to detect the fraud by the negotiator or the drawing bank (checks above the threshold).

Faced with the aforementioned embezzlement phenomena, the purpose of the present invention is to provide a process and procedures for improving the security and protection of the information contained and associated with a negotiable bank-type document - such as a check, a coupon, a travel check, letter of credit, insurance form -.

Furthermore, here we want to use the laser to produce a micro-perforated identification in the paper support. Commonly used lasers present a number of problems particularly in the field of composite materials. In fact, when producing holes through the entire thickness of the composite material, when you want the laser to focus on a localized point with a very high level of power, it can be difficult for there to be no damage and alteration of the fibers to the contour of the hole being made.

In view of the aforementioned embezzlement phenomena, the purpose of the present invention is also to provide a process suitable for the production of holes and in particular of micro-perforations in a composite paper layer in a precise and effective way without damaging the fibers of said material. composite around said holes.

Finally, the purpose of the present invention is to provide a negotiable document based on known operational tools - of the general purpose type - and on the related known procedures for implementing the authenticity detection functions. Furthermore, it is planned to use standard software and hardware components in the banking security sector, in order to make the new application low in costs, highly reliable and immediately usable. These objects are achieved by a negotiable document, particularly a bank check or bank draft, which is characterized in accordance with each of the claims that follow.

In particular, the adoption of the following complementary solutions should already be noted in the introduction:

I- printing the check number with micro-perforated characters;

II- the printing of a two-dimensional Data Matrix <®> code containing the relevant data of the check and one or more security codes generated by the drawee bank.

BRIEF DESCRIPTION OF THE DRAWINGS

The invention will for now be better described with reference to an example of practical implementation, given only as an indication and not as a limitation illustrated in the attached drawings in which:

- Figure 1 shows the front image of the paper support of a negotiable bank document check, made in accordance with the invention;

- figure 2 shows the image of the back of the paper support in figure 1;

- Figures 3A and 3B are the representation of the matrix microperforations constituting the characters according to the present invention.

NUMBERS:

The check contains three types of numbering: Arabic, micro-perforated and magnetic (code line). These numbers are placed one above the other on three levels; the digits are aligned vertically, so you can easily check that the check number is shown exactly in each of the aforementioned numbers. The ARABIC numbering in OCRB body 10, is placed on a line of 10 digits. The MICRO-PERFORATED numbering has the same dimensions as the Arabic numbering. It consists of very small holes made by a laser beam passing from one side of the paper to the other, arranged so as to represent a number: this marking technique makes the data indelible and any attempt at counterfeiting is easily evident.

This numbering consists of 10 digits and is placed 2.5 mm below the Arabic numbering, as shown in figure 1 of this document.

The use of the MAGNETIC writing system in CMC7 characters in the codeline of checks (circular, bank and tourist checks) and more generally of the effects (promissory notes, bills and drafts) was the subject of an interbank agreement.

The CMC7 uniform magnetic writing system, consisting of characters (41, of which 10 numbers, 5 symbols and 26 letters) and operational codes, allows banks to automatically acquire the main data of the check (for example ABI and CAB of the branch drawn and the unique number of the security) in order to guarantee the safe circulation of the security.

In addition to what is reported in the current CMC7 interbank agreement, in the "E" field of the magnetic codeline of all checks it was agreed to insert, in the last position present (after the last numeric character shown in

image), the character S II (22), called "Terminator", of the CMC7 useful to distinguish if the check complies with the new rules. In this way it is possible to distinguish “old” materialities from “new” ones.

With reference to the aforementioned figures, 1 indicates, as a whole, the paper support of a negotiable document. In the specific case, it is a negotiable bank check.

Alternatively, it can be a cashier's check or any other credit instrument such as, by way of example but not limited to, trafficking checks, interest-bearing bonds, certificates of deposit, savings books and any other value issued by banking institutions.

With 2 and 3 have been indicated respectively the front and the back of the support 1.

With 4, the logo of the bank issuing the check is schematically indicated as a negotiable document.

The paper support 1 is conventionally suitable for allowing an optical and magnetic reading of what is reported thereon and therefore is free from surface impurities, free from wood pulp as well as not being fluorescent.

The paper material, whether it is with watermark or not which constitutes the support 1, preferably incorporates colorless microfibers, uniformly distributed in a quantity between 5 and 9 microfibers per cm2, preferably 7 microfibers per cm2, which show a colored toning when subjected to light. ultraviolet, for example in the light emitted by a Wood lamp.

The weight of the paper support 1 is preferably about 90 g / m2.

The front part 2 of the paper support 1 comprises conventional compilation areas possibly with alphanumeric characters, indicated with 5, for the indication of the place of issue of the negotiable document, with 6 for the indication of the issue date, with 7 for the indication of the amount in figures, with 8 for the indication, in words, of the amount indicated in numbers in the compilation area 7 and finally with 9 for the indication of the beneficiary. These compilation areas can also be graphically composed and positioned differently.

The front part 2 of the paper support 1 further comprises numbering zones indicated with 10, 11 and 12 which, as a whole, constitute the code line.

The area 10 comprises an area 13 in which, by means of printed Arabic numerical characters, a first string of digits indicating the document number is positioned and, in accordance with the invention, an area 14 in which, the same number indicated in area 13, is repeated with a second string of digits obtained by micro-perforation passing through the thickness of the paper support 1. The digits of the first printed string of area 13 are vertically aligned with the digits of the second string obtained by micro-perforation in the area 14 and the latter are also visible from the rear 3 of the paper support 1 in an area 14a corresponding to the area 14 of the front part.

The same numbering area 10 includes a third area indicated with 15 in which the number of the document printed in area 13 and, by micro-perforation, in area 14, is repeated with a string of magnetic printable digits.

Preferably, the magnetic reading string of area 15 is made with conventional characters called CMC7 with the use of a magnetic ink containing iron oxide.

Preferably, area 14 with a string of digits obtained by micro-perforations, is positioned vertically between area 13 and area 15.

The numbering area 11, horizontally flanked by the numbering area 10, preferably comprises only an area 16 in which there is a string of digits relating to the identification of the issuing bank and its branch, made with magnetic printed characters such as those area 15 of area 10.

Alternatively, the numbering area 11, in addition to the area 16 with a string of digits made with magnetic printed characters, can comprise another area in which a string with the same digits and / or an additional area is made with microperforations. in which the string is made in Arabic printed characters.

The further numbering area 12 comprises an area 17 suitable for containing a string of Arabic characters reproduced in print, a further area 18 suitable for containing the same string of figures of the area 17 reproduced with CMC7 characters with magnetic printing and finally, in accordance with the invention, also an area 19 in which the same numerical string of the areas 17 and 18 is reproduced by means of microholes. In accordance with the invention, the compilation areas 5, 6, 7, 8 and 9 as well as the numbering areas 10, 11 and 12 with the relative areas 13, 14, 15, 16, 17, 18 and 19, are made on a background of the paper support 1 comprising graphic elements printed with ink visible only in ultraviolet light, for example that emitted by a Wood lamp.

In particular, the graphic elements are reproduced with a plurality of lines, for example of a numismatic type, invisible to ambient light.

Furthermore, in accordance with the invention, the compilation areas 5, 6, 7, 8 and 9 are each delimited by a respective row 5a, 6a, 7a, 8a and 9a, horizontal placed under the respective area, consisting of the name of the body that issued the document, repeated several times in a row, and preferably imprinted with micro-writing.

Finally, in accordance with the invention, the paper support 1, in its front part 2, also includes an area indicated with 20 in Figure 1.

In this area 20 the image 20a of a two-dimensional bar-code (Data Matrix <®>) is reproduced. This code may contain information related, directly or following processing carried out through specific algorithms, to the information contained in the compilation areas 5, 6, 7, 8 and 9 or to those contained in the numbering areas 10, 11, 12 or in all areas, as well as further information even if not printed or perforated on the title.

The position of the area 20 for the image of the two-dimensional barcode 20a is preferably that shown in Figure 1. However, it can be in any other part of the paper support 1 both on the front 2 and on the back 3.

Furthermore, the paper support 1 can contain several images 20a, all reproduced on the front 2 or on the back 3 or still part on the front 2 and part on the back 3. The paper support 1 conventionally also comprises a further compilation area 21 in which it is affixed the signature of the person issuing the document.

The negotiable document created in accordance with the invention is able to be managed during the operational phases of its negotiation and subsequent archiving, not only in paper format but also in completely digital format and replaced by the images of the front 2 and the back 3 , which present a safe reproduction of the compiling and numbering areas thanks to the presentation of the related information displayed in a figure made with a two-dimensional code as well as, as regards the numbering areas, the creation of at least one area by means of micro-perforations.

Zones 17 and 19 allow the use of a possible alphanumeric code processed through a specific algorithm by the institution issuing the document or to identify the type of document, for example, if it is a negotiable bank document or of a circular negotiable document check.

As regards in particular the new anti-fraud measures and the new materiality characteristics that are to be conferred on the checks, the following solutions must be considered.

In a preferred embodiment, it is provided in particular that each bank will have to print the number of checks, such as

• measure valid for all checks (bank, circular and drawing printed in a centralized or decentralized manner)

• the number of the microperforated check (ten digits) is placed between the Arabic numbering and the magnetic numbering. More precisely: the numbers (Arabic 13, micro-perforated 14 and magnetic 15) are placed one above the other on three levels, the numbers are aligned vertically; the micro-perforated numbering is placed 5 mm below the Arabic numbering.

I- Printing the check number with micro-perforated characters

The micro-perforated numbering obligatorily responds to a specific Abifont character defined by the interbank association, here some peculiarities have been introduced that optimize their recognition. The micro-perforation technique requires very small holes to be made on the checks with a particular laser processing, in correspondence with some relevant information. This solution allows the banking operator to verify the coincidence between the data printed in clear text or in the CMC7 encoding and the microperforated one, as well as to detect any alterations of the information and counterfeiting attempts. The microperforation technique, according to the present invention, is based on the use of the laser to microperforate the paper support. The laser beam creates a micro-hole, the set of several holes draws a character and the sequence of several characters reproduces the desired information. Laser microperforation generally refers to a drilling operation by means of a succession of short pulses.

The solution involves micro-perforating the information relating to the "check number" present on the checks. This measure concerns all types of bank checks and cashier's checks (the latter even if printed in a centralized manner).

The reading of the information contained within the micro-perforated string 14 takes place by processing the image acquired by the scanner. The "reading / decoding" procedure then provides the ability to interpret the characters of the microperforation and transform them into a data manageable by the computer system.

The reading / decoding technique contemplates reading methods that could also be based on optical recognition (Optical Character Recognition).

The software technologies (image processing) use libraries based on document standards which, through comparisons and checks, allow a first evaluation of the document itself, for example: control of the number of pixels contained in a micro-hole, cross-check of the positioning of the string on the front and back image.

For bank-type negotiation documents, a paper support can be used which preferably incorporates colorless microfibers, uniformly distributed in a quantity between 5 and 9 microfibers per cm2. The drilling technique requires to operate with a specific paper layer, whether with watermark or not, constituting the support 1.

For composite materials through which you want to obtain the passage of a series of holes that draw a micro-perforated matrix, the basic requirement is not to affect the physical integrity of the paper support even at the level of colorless microfibers, evenly distributed.

Since the paper is not perfectly aligned and straight, the centering is not absolutely regular and its characteristics can vary from one composite material to another. Furthermore, the diameter of the perforations to be produced can vary and the position of the axes of the laser beam is random, within given tolerance values, relative to the fabric of the paper with or without watermark which constitutes the support of the negotiating document.

For this reason, however, a series of precautions have been used in the matrix configuration of the single character. These choices are aimed at obtaining a unique identification - as evident in figs. 3A and 3B - even in the presence of background noise and reading imperfections in OCR scanning. Hence the particular conformation of the matrix of the holes that generate the character through the micro-perforations should be emphasized. The peculiarity of the Abifont font is determined by the ease of reading in the image acquisition phase and by the search for lines that cannot be changed in any attempts to alter them. In particular, the letters were handled:

“E” as it is more easily modified starting from L or F, which is transformed into ∑;

"Q" which has a reduced circle (ends one line earlier) than the maximum encumbrance of the usual character, in fact only the foot reaches the last line of the matrix;

“1” which has a foot-base of five holes so as not to confuse it with the I or to act as a base for F, L, E, D, B, K, P, N, M, R, H;

“3” has a flat head so that it cannot close and can be confused with an “8”;

“7” with a small bend to the left so as not to act as a base for the Z;

"0" is an IT type strikethrough.

In this way, one of the typical disadvantages of the use of lasers is completely overcome, according to which the geometry and contours of the perforation can be variable in one perforation compared to another. One perforation can be larger than another as the fibers are actually torn and therefore there is no uniformity in the cut. The fundamental objective is the continuity and uniformity of the perforations ensured in any paper support for which the sheet will include the set of multiple holes that draws a matrix of characters to be read by OCR.

II- Printing on the materiality of the checks of a two-dimensional Data Matrix <®> code

The Data Matrix <®> is a mandatory two-dimensional code whose content is legible during image acquisition via OCR.

On the new materiality of the checks, all banks are expected to print a two-dimensional Data Matrix <®> code containing some information already present in clear text and / or in the CMC7 code together with a security code generated by the drawee / issuer bank (random number).

The presence of the Data Matrix code <®> on the new materiality of the checks allows banks to verify the compatibility of the information present in the code, the micro-perforated ones and those present in the CMC7 code. Any alteration of the Data Matrix <®> code makes the code itself illegible and represents a signal of attempted alteration and / or fraud on the security.

The presence of a random code generated and controllable by the drawee bank inserted in the Data Matrix <®> code of the checks also represents an additional opportunity offered by this security measure which, from the analyzes carried out, does not place any particular burden on the banks.

It is expected that the Data Matrix code <®> present on the checks:

• comply with a standard size of 13mm x 13mm (with white margins of at least 1mm on each side);

• is printed in a fixed position, on the left side of the check;

• contains the following information (shown in the sequence indicated):

A. for all types of checks:

identification code of the type of check (1 alphanumeric crt.) ABI drawing code (5 numeric crt.)

CAB code negotiation (5 numeric crt.)

check number (10 numeric crt.)

security code (8 alphanumeric crt.)

(total crt. required for all types of checks: 29)

B. only for the types of checks marked with the codes "3", "4", "7" and "8" indicated below, printed in a centralized manner, the following additional information inserted below with respect to that indicated above

amount (11 numeric crt)

beneficiary registry (40 alphanumeric crt, name and surname of the beneficiary indicated sequentially or company name) (total mandatory crt for this type of check: 80)

The identification code of the check type (1 alphanumeric crt.) Contained in the Data Matrix code <®> allows you to immediately identify the length of the path of the data contained in the Data Matrix <®> and, in a preferred configuration, can assume the following values :

"1 = bank and post office without amount and without beneficiary, transferable",

"2 = circulars, postal orders and similar without beneficiary and without amount, transferable",

"3 = bank, and similar (draft and endorsed checks) with additional data present, transferable",

"4 = circulars, postal orders and the like and the like with additional data, transferable", "5 = bank and postal orders without amount and without beneficiary, non-transferable", "6 = circulars, postal orders and the like and similar without beneficiary and without amount , not transferable ",

"7 = bank, and similar (drawing and endorsed checks) with additional data present, non-transferable",

“8 = circulars, postal orders and similar with additional, non-transferable data”, “9 = other” The security code (8 alphanumeric crt.) Present in the Data Matrix <®> code is generated by an algorithm by the drawee bank.

The solution is based on the automatic reading of micro-perforated characters and on the consistency check with the check number.

Basically, during the negotiation phase, at least the consistency between the micro-perforated “check number” 14 and the one indicated in Arabic 13, in the CMC7 codeline and in the Data Matrix <®> is verified.

In the face of the detection of inconsistencies on the check data, the Negotiator may send a specific report to the Contracting Bank (so-called alert).

By way of example, some further cases of inconsistency that can be detected are reported:

1) Manual data entry - in all cases in which the Negotiating Bank proceeds to manual entry of the check codeline data;

2) Data Matrix <®> - in cases where anomalies related to the Data Matrix <®> code occur (inability to read the information contained therein, inconsistency of the information reported in clear or magnetic coding with respect to that contained in the Data code Matrix <®)>

ADVANTAGES AND INDUSTRIALITY OF THE FOUND

From what has been described above it is evident that the negotiable document according to the invention makes use of the combined use of security elements and devices that are useful for negotiation, for rapid management in the issuing and collection phases, as well as guaranteeing the referential integrity of the title itself.

These elements and devices can also be used in partial or total combination with each other.

Obviously, the general dimensions of the document may be any according to the needs, as well as the positioning of the various compiling, numbering and two-dimensional barcode areas without thereby departing from the scope of the invention as described above and claimed hereinafter.

For the production of the checks printed in a centralized manner, the banks have the right to micro-perforate other relevant information, such as the amount and the beneficiary.

The microperforation of the check number is useful for combating the phenomenon of counterfeiting. This anti-fraud measure was also identified taking into account the benefits it produces in the new context of transmission of the images of the checks: the microperforation of the "check number" in fact guarantees the reconciliation of the image of the front and back of the same title and offers considerable savings. economic compared to an alternative hypothesis based on printing the check number on the back of the material.

Claims (16)

CLAIMS 1. Negotiable document consisting of a paper support (1) with front (2) and back (3), characterized by the fact that it includes, at least on the front of said paper support, compiling areas (5, 6, 7, 8, 9, 21), of the numbering zones (10, 11, 12) with related areas (13, 14, 15, 16, 17, 18, 19) containing numeric identifiers dedicated to verifying authenticity and non-counterfeiting during management of the negotiation, among said dedicated numerical identifiers being included in particular three types of numbering: iarabic (13), ii- micro-perforated (14) and iii- magnetic (15), all relating to the same identifying check number, said negotiable document also comprising a Data Matrix <®> area (20) in which at least one image of a two-dimensional barcode (20) is reproduced containing information related to the information contained in said numbering areas (10, 11, 12) and in particular containing said identifier nu mere check, the check, during the negotiation phase, on the identification of the check number reported, providing for the automatic reading of the characters and the consistency check by verifying the congruence between the micro-perforated number (14), the one indicated in Arabic (13), the one indicated in the magnetic codeline (15) and the identification number encoded in the Data Matrix <®> (20). Negotiable document according to claim 1 comprising a series of characters (14) each consisting of a distributed two-dimensional array of holes, in particular micro-perforations, in the paper layer (1), whether with watermark or not constituting the support (1). Negotiable document according to each of the preceding claims characterized in that said paper support (1) provides for the series of characters (14) that they are each obtained by means of a particular matrix configuration of the sequence of holes that generate the character, by means of localized micro-perforations, the specificity of the font determines the ease of reading during image acquisition and the uniqueness of the paths that cannot be altered in any attempts at fraudulent reproduction. 4. Negotiable document according to each of the preceding claims characterized by the fact that in the set of characters obtained by microperforation the matrix configuration of the sequence of holes associated with the character "E", the same are arranged configured to form a character "∑" specifically distinct from the sequence for the character "L" or for the character "F". 5. Negotiable document according to each of the preceding claims characterized by the fact that in the set of characters obtained by micro-perforation the matrix configuration of the sequence of holes associated with the character "Q", they are configured with a reduced circle, ending on the penultimate line, in the matrix configuration for rows and columns, with respect to the maximum size of the character, by arranging that only the pin reaches the last row of the matrix. 6. Negotiable document according to each of the preceding claims characterized in that in the set of characters obtained by micro-perforation the matrix configuration of the sequence of holes associated with the character "1", they are configured with a base pin of five holes so as to distinguish it clearly from the sequences of the character "I" or of the base column for the characters: "F", "L", "E", "D", "B", "K", "P", "N", " M ”,“ R ”,“ H ”. 7. Negotiable document according to each of the preceding claims characterized by the fact that in the set of characters obtained by micro-perforation the matrix configuration of the sequence of holes associated with the character "3", the same are configured with the flat head so as not to be able to extrapolate the closing, which would lead to confusion with the sequence of holes of the character "8". 8. Negotiable document according to each of the preceding claims characterized in that in the set of characters obtained by micro-perforation the matrix configuration of the sequence of holes associated with the character "7", they are configured with a small fold to the left as an extension at the bottom in the first column, so as not to confuse it with the sequence of holes of the basic constituent element of the character Z. 9. Negotiable document according to each of the preceding claims characterized in that some graphic elements, the compilation areas (5, 6, 7, 8, 9) and the numbering areas (10, 11, 12) are made on a background of the paper support (1) which includes graphics printed with ink visible only in ultraviolet light. 10. Negotiable document according to each of the preceding claims characterized in that said compilation areas (5, 6, 7, 8, 9) are each delimited by a respective alphanumeric micro-writing line (5a, 6a, 7a, 8a, 9a) consisting of from the name of the issuer of the document repeated several times. 11. Negotiable document according to each of the preceding claims characterized in that at least one of said numbering zones (10, 11, 12) comprise a first area (13, 17) in which a first numeric string in printed Arabic characters is positioned , a second area (14, 19) in which a second numeric string is positioned in Arabic characters made by micro-perforating the paper support (1), said second string being composed of the same digits that make up the first string with the same dimensions, positioned and vertically aligned with respect to the corresponding digits of the first string. 12. Negotiable document according to each of the preceding claims characterized in that said numbering zones comprise a third area (14, 19) in which a third string of numbers made of magnetic characters is positioned, composed of the same digits that make up the first and the second string, positioned and aligned vertically with respect to the corresponding digits of the first and second string. 13. Negotiable document according to each of the preceding claims characterized by the fact that said second area (14, 19) with numerical string in Arabic characters made by microperforation is positioned vertically between said first area (13, 17) and said third area (15, 18 ). 14. Negotiable document according to each of the preceding claims characterized in that the image 20a of said two-dimensional barcode contains information related to that contained in said compilation (5, 6, 7, 8 and 9) and numbering (10 , 11, 12). 15. Technique for using a negotiable document according to each of the preceding claims characterized by the fact that the validation of the same document is based on digital image processing procedures, using standard libraries for reading the characters contained in a document which, through comparisons and preliminary checks, allows an evaluation of the authenticity of the document itself, based on the cross-checking of the positioning of the string in the front (14A) and rear (14B) image and on the control of the number of pixels contained in each micro-hole. 16. Technique for using a negotiable document according to claim 15 characterized by the fact that the action of acknowledging the attempted fraud by check is based on the automatic reading of the characters making up the identifiers of the check number and on the consistency check by evaluating during the check negotiation, the congruence between the micro-perforated "check number" (14), the one indicated in Arabic (13), the number of the magnetic codeline (15) and the number contained in the Data Matrix <®> (20), against the detection of an inconsistency on the "check number", the negotiating bank sending the image of the check and an alert to the drawing bank.