FR2704959A1 - Process for conferring maximum security on a currency paper, currency paper modified by this process and opto-electrical device for identification of the said currency paper - Google Patents
Process for conferring maximum security on a currency paper, currency paper modified by this process and opto-electrical device for identification of the said currency paper Download PDFInfo
- Publication number
- FR2704959A1 FR2704959A1 FR9305454A FR9305454A FR2704959A1 FR 2704959 A1 FR2704959 A1 FR 2704959A1 FR 9305454 A FR9305454 A FR 9305454A FR 9305454 A FR9305454 A FR 9305454A FR 2704959 A1 FR2704959 A1 FR 2704959A1
- Authority
- FR
- France
- Prior art keywords
- fiduciary paper
- paper
- character
- fiduciary
- code
- 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.)
- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 18
- 239000000758 substrate Substances 0.000 claims abstract description 9
- 238000007644 letterpress printing Methods 0.000 claims description 2
- 238000007645 offset printing Methods 0.000 claims description 2
- 238000009877 rendering Methods 0.000 claims description 2
- 230000004048 modification Effects 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000008901 benefit Effects 0.000 description 2
- 241001465754 Metazoa Species 0.000 description 1
- 239000000470 constituent Substances 0.000 description 1
Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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- 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
- G07D7/04—Testing magnetic properties of the materials thereof, e.g. by detection of magnetic imprint
-
- 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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/08—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
- G06K19/10—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards
- G06K19/12—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by magnetic means
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/347—Passive cards
-
- 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
-
- 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
- G07D7/20—Testing patterns thereon
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1058—PIN is checked locally
Landscapes
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Toxicology (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Credit Cards Or The Like (AREA)
Abstract
Description
La présente invention est du domaine du papier fiduciaire. Elle vise plus précisément un procédé destiné à conférer une sécurité à un papier fiduciaire donné. The present invention is in the field of fiduciary paper. It relates more precisely to a process intended to confer security on a given fiduciary paper.
Dans son sens le plus large, l'expression "papier fiduciaire" utilisée ici et dans ce qui suit, signifie tout support et/ou substrat sur lequel un tireur a porté une valeur monétaire susceptible d'être transférée en valeur ou en contre-valeur sur un compte donné ou bien être transformée en espèce ayant cours, et ce au profit de la personne physique ou morale désignée, ou bien d'un de ses ayant-causes ou de ses ayant-droits. Parmi les papiers fiduciaires, on peut citer les chèques, les bons aux porteurs, les travellers chèques ou chèques de voyage, les bons anonymes au porteur, et autres supports et substrats. In its broadest sense, the expression "fiduciary paper" used here and in the following, means any support and / or substrate on which a drawer has carried a monetary value capable of being transferred in value or in equivalent value on a given account or be transformed into current cash, and this for the benefit of the designated natural or legal person, or one of his successors or his assigns. Among the fiduciary papers, there may be mentioned checks, vouchers for bearers, travelers checks or travelers checks, anonymous vouchers for bearers, and other supports and substrates.
Jusqu'à présent, les différents papiers fiduciaires ont fait l'objet de différentes tentatives de vol ou d'escroquerie destinées à les détourner de leur destination originelle. Dans ce domaine, les chèques se sont révélés les papiers fiduciaires les plus vulnérables et les plus sujets aux vols et aux détournements subséquents. So far, the various fiduciary papers have been the subject of various attempts at theft or fraud intended to divert them from their original destination. In this area, checks have proven to be the most vulnerable trust documents and the most prone to theft and subsequent misappropriation.
Un objet de la présente invention est de proposer d'intégrer dans un papier fiduciaire une structure susceptible de modification à la main et qui le rend pratiquement inexploitable en cas de vol ou de perte. An object of the present invention is to propose integrating into a fiduciary paper a structure capable of modification by hand and which makes it practically unusable in the event of theft or loss.
La présente invention a donc pour objet un procédé destiné à conférer une sécurité maximale à un papier fiduciaire à l'encontre des vols et/ou des falsifications, ce procédé étant caractérisé en ce que l'on forme sur le substrat ou le support constitutif du papier fiduciaire une structure de caractères amovibles et/ou effaçables, à la volonté du tireur, de façon à définir un code manuel coopérant avec un code magnétique intégré au code magnétique habituel prévu sur le papier fiduciaire. The present invention therefore relates to a method intended to confer maximum security on a fiduciary paper against theft and / or forgery, this method being characterized in that one forms on the substrate or the constituent support of the fiduciary paper a structure of removable and / or erasable characters, at the discretion of the drawer, so as to define a manual code cooperating with a magnetic code integrated with the usual magnetic code provided on the fiduciary paper.
Cette structure de caractère comporte avantageusement une zone longitudinale de caractères, associée à une zone transversale de caractères. This character structure advantageously comprises a longitudinal zone of characters, associated with a transverse zone of characters.
Selon l'invention, ces structures de caractères sont obtenues soit par impression typographique soit par impression offset. According to the invention, these character structures are obtained either by letterpress printing or by offset printing.
Dans un mode de réalisation préféré de l'invention, chaque caractère est délimité par une ligne de moindre résistance permettant d'ôter par découpage ledit caractère du substrat ou support constitutif du papier fiduciaire. Ces différentes structures de caractères sont avantageusement réalisées à l'aide d'une forme de découpe tyopographique et/ou offset. In a preferred embodiment of the invention, each character is delimited by a line of least resistance making it possible to remove by cutting said character from the substrate or support constituting the fiduciary paper. These different character structures are advantageously produced using a form of tyopographic and / or offset cutting.
L'invention vise également les papiers fiduciaires obtenus selon le procédé spécifié ci-dessus. Ces papiers fiduciaires peuvent également être recouverts d'un élément amovible destiné à protéger les structures de caractères. The invention also relates to fiduciary papers obtained according to the process specified above. These fiduciary papers can also be covered with a removable element intended to protect the character structures.
L'invention vise également un dispositif opto-électrique destiné au traitement d'identification du papier fiduciaire obtenu selon le procédé mentionné ci-dessus, ce dispositif comportant des moyens susceptibles d'identifier les différents codes portés sur le papier fiduciaire afin d'émetrre une information indiquant la validité dudit papier fiduciaire. The invention also relates to an opto-electric device intended for the identification processing of fiduciary paper obtained according to the method mentioned above, this device comprising means capable of identifying the different codes carried on the fiduciary paper in order to emit a information indicating the validity of said fiduciary paper.
Dans une forme de réalisation particulière, ce dispositif opto-électrique peut comporter des moyens susceptibles d'effacer ou de rendre inopérant le code manuel constitué par les structures de caractère, une fois que le papier fiduciaire a été identifié.In a particular embodiment, this opto-electric device may include means capable of erasing or rendering inoperative the manual code constituted by the character structures, once the fiduciary paper has been identified.
D'autres avantages et caractéristiques de l'invention apparaîtront à la lecture de la description suivante d'une forme de réalisation non limitative de papier fiduciaire selon l'invention, en référence aux dessins annexés dont la figure unique est une représentation schématique d'un chèque traité selon le procédé de l'invention. Other advantages and characteristics of the invention will appear on reading the following description of a non-limiting embodiment of fiduciary paper according to the invention, with reference to the accompanying drawings, the single figure of which is a schematic representation of a check processed according to the method of the invention.
Sur la figure unique du dessin, est représenté schématiquement un chèque bancaire comportant un code manuel confidentiel 2 constitué d'une ligne de caractères 2a disposée dans le sens longitudinal du chèque juste au-dessus du code habituel magnétique 3 et d'une ligne de caractères transversaux 2b s'étendant aux droits des caractères 2a. De préférence, les caractères de la ligne longitudinale 2a sont constitués par des lettres de l'alphabet a, b, c, etc... tandis que la ligne de caractères transversaux 2b est constituée de chiffres arabes 1, 2, 3, etc... Chaque caractère des lignes 2a et 2b du code confidentiel manuel 2 est circonscrit dans une zone délimitée par une ligne de moindre résistance 4. Le code magnétique habituel 3 est modifié de façon à intégrer un code magnétique confidentiel 3a, 3b, 3c coopérant avec le code confidentiel manuel 2. In the single figure of the drawing, there is schematically shown a bank check comprising a confidential manual code 2 consisting of a line of characters 2a arranged in the longitudinal direction of the check just above the usual magnetic code 3 and a line of characters transverse 2b extending to the rights of characters 2a. Preferably, the characters of the longitudinal line 2a consist of letters of the alphabet a, b, c, etc. while the line of transverse characters 2b consists of Arabic numbers 1, 2, 3, etc. .. Each character of lines 2a and 2b of the manual confidential code 2 is circumscribed in an area delimited by a line of least resistance 4. The usual magnetic code 3 is modified so as to integrate a confidential magnetic code 3a, 3b, 3c cooperating with manual confidential code 2.
On utilise le chèque traité par le procédé de la présente invention de la manière suivante
Le tireur doit être au courant, comme c'est le cas pour les cartes de crédit, d'un code qui peut être par exemple de 3 à n chiffres ou lettres. Ce code correspond obligatoirement aux caractères portés sur les lignes 2a et 2b et le tireur doit obligatoirement appliquer une pression suffisante pour faire sauter chaque caractère correspondant au code sur les lignes 2a et 2b.The check processed by the process of the present invention is used in the following manner
The drawer must be aware, as is the case with credit cards, of a code which can be, for example, from 3 to n numbers or letters. This code must correspond to the characters on lines 2a and 2b and the shooter must apply sufficient pressure to jump each character corresponding to the code on lines 2a and 2b.
Le chèque est alors introduit dans un dispositif opto-électrique où il sera identifié en conséquence de façon à déterminer si le code appliqué manuellement coopère de façon associative avec les modifications apportées au code magnétique habituel 3. Une fois l'identification terminée, il conviendra alors de brouiller le code manuel. The check is then introduced into an opto-electric device where it will be identified accordingly so as to determine whether the manually applied code cooperates associatively with the modifications made to the usual magnetic code 3. Once the identification is complete, it will then be appropriate. to scramble the manual code.
Ce brouillage peut être avantageusement effectué manuellement en faisant sauter un certain nombre sinon la totalité des caractères prévus sur les lignes 2a et 2b. Toutefois, on peut envisager d'associer au dispositif opto-électrique des moyens destructeurs du code confidentiel manuel.This scrambling can advantageously be done manually by skipping a number if not all of the characters provided on lines 2a and 2b. However, it is possible to envisage associating with the opto-electric device means destroying the manual confidential code.
Ainsi se trouvent résolus selon la présente invention les problèmes afférents au vol et au détournement de chéquiers. En effet chaque chèque doit être obligatoirement utilisé par un tireur connaissant le code s'adaptant aux structures codées manuelles du chèque. Thus are solved according to the present invention the problems relating to theft and misappropriation of check books. Indeed, each check must be used by a drawer who knows the code and which adapts to the manual coded structures of the check.
I1 est clair que l'invention n'est nullement limitée à la forme de réalisation décrite ci-dessus en référence au dessiné annexé mais qu'elle englobe toutes les modifications et variantes, à la portée de l'homme de l'art, issus des éléments caractéristiques décrit ci-dessus et revendiqués dans les revendications annexées. C'est ainsi que l'on peut envisager à la place des caractères de lettre romains, des caractères grecques ou cyrilliques et à la place des chiffres, on pourrait utiliser des chiffres romains. Ces différents caractères peuvent également être remplacés par des matérialisations de type hyéroglyphe ou bien des mignaturisation d'animaux et/ou d'autres objets. It is clear that the invention is in no way limited to the embodiment described above with reference to the appended drawing but that it encompasses all the modifications and variants, within the reach of those skilled in the art, derived character-defining elements described above and claimed in the appended claims. This is how we can consider instead of Roman letter characters, Greek or Cyrillic characters and instead of numbers, we could use Roman numbers. These different characters can also be replaced by materialization of the hyeroglyph type or else mignaturization of animals and / or other objects.
Claims (10)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR9305454A FR2704959B1 (en) | 1993-05-06 | 1993-05-06 | Method for conferring maximum security on a fiduciary paper, fiduciary paper modified by this method and opto-electric device for the identification of said fiduciary paper. |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR9305454A FR2704959B1 (en) | 1993-05-06 | 1993-05-06 | Method for conferring maximum security on a fiduciary paper, fiduciary paper modified by this method and opto-electric device for the identification of said fiduciary paper. |
Publications (2)
Publication Number | Publication Date |
---|---|
FR2704959A1 true FR2704959A1 (en) | 1994-11-10 |
FR2704959B1 FR2704959B1 (en) | 1995-11-24 |
Family
ID=9446853
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
FR9305454A Expired - Fee Related FR2704959B1 (en) | 1993-05-06 | 1993-05-06 | Method for conferring maximum security on a fiduciary paper, fiduciary paper modified by this method and opto-electric device for the identification of said fiduciary paper. |
Country Status (1)
Country | Link |
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FR (1) | FR2704959B1 (en) |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE2154187A1 (en) * | 1971-10-30 | 1973-05-03 | Klaus Niemeyer | CHECK FORM |
US3985998A (en) * | 1970-11-18 | 1976-10-12 | Century International Corporation | Personal authority verification system |
FR2412421A1 (en) * | 1977-12-23 | 1979-07-20 | Chateau Michel | Cheque to prevent fraud by alteration of figures - uses columns of punched holes to indicated name of payee and amount |
US4958066A (en) * | 1988-08-19 | 1990-09-18 | Secured Transactions | Financial instrument verification and method of production |
FR2660599A1 (en) * | 1990-04-10 | 1991-10-11 | Liodenot Lucien | Method and device for producing a theftproof cheque, especially a bank cheque |
-
1993
- 1993-05-06 FR FR9305454A patent/FR2704959B1/en not_active Expired - Fee Related
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US3985998A (en) * | 1970-11-18 | 1976-10-12 | Century International Corporation | Personal authority verification system |
DE2154187A1 (en) * | 1971-10-30 | 1973-05-03 | Klaus Niemeyer | CHECK FORM |
FR2412421A1 (en) * | 1977-12-23 | 1979-07-20 | Chateau Michel | Cheque to prevent fraud by alteration of figures - uses columns of punched holes to indicated name of payee and amount |
US4958066A (en) * | 1988-08-19 | 1990-09-18 | Secured Transactions | Financial instrument verification and method of production |
FR2660599A1 (en) * | 1990-04-10 | 1991-10-11 | Liodenot Lucien | Method and device for producing a theftproof cheque, especially a bank cheque |
Also Published As
Publication number | Publication date |
---|---|
FR2704959B1 (en) | 1995-11-24 |
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ST | Notification of lapse |