FR2708127A1 - Device for identifying the bearer or the sender of documents. Documents equipped with this device and use of these documents - Google Patents

Abstract

The invention relates to a device which allows the bearer of a cheque or of various documents to prove that he is actually authorised to carry out this operation to the person tasked with accepting the cheque or document. The device comprises a medium (4) on which are printed characters covered by an opaque coating which renders them individually invisible (1). They are arranged in table form, identified by rows and columns (5). The box (6) shows the character and the quantity of this character to be uncovered. During the transaction, the drawer uncovers the character quantity corresponding to the legend indicated. He is then the only one to know the locations of this character, the positions of the latter having been sent to him confidentially by the bank. Next, the person who receives the cheque can verify whether the character uncovered is actually that indicated in the location (6) and whether it is actually in the specified quantity without any other characters being uncovered. If these conditions are fulfilled, the cheque can then be accepted. The device according to the invention is particularly intended for identifying the bearer or the sender of documents.

Description

 The present invention relates to documents which require verification of the identity of the holder or of the issuer to be admissible.

We can cite as an example the check for which a signature and an identity document are often necessary to be admitted.

This is generally not enough to prevent fraudulent use of stolen or lost checkbooks. It suffices that an identity document and the checkbook be gathered in a wallet, and the operation becomes even easier for the fraudster.

Currently, there are a few protective devices, namely
The digital signature of checks, experienced in some large supermarkets. The customer affixes his index finger to an inked surface and then to the check. In the event of non-recovery, the check is sent to the services for identification. The customer can refuse the control and the merchants cannot establish customer files including fingerprints.

 There is also the national file of stolen checks. It is reserved for traders. Accessible by Minitel, it assumes that the check has already been declared stolen and entered in the file at the time of the transaction to be effective. Loss or theft, followed by fraudulent disposal is unfortunately often faster.

 The device according to the invention overcomes these drawbacks. According to one embodiment, the document or the check in question comprises a device comprising a code made invisible by recovery and a space reserved for the transcription of the code.

The method of using this device in the banking field, applied to the check is as follows
The bank gives the list of confidential check codes to its client at the same time as the checkbook. Then during the transaction the check taker enters the confidential code of which he is the only holder, in the location provided for this purpose. The beneficiary can then verify the identity of the holder by comparing the code which has just been entered by the drawer and the code discovered by removing the protection from the one who is masked. A check whose code is discovered, even partially crossed out, would be considered doubtful, therefore refused by the beneficiary. A fraudster who would have scratched the covering covering the code then transcribed it in the control box, would have no other possibility than to give it to the endorsement on his own bank account. It will therefore quickly become identifiable and suspected.

 The device described above can be improved in the following manner. According to a new embodiment, the document or the check in question comprises a device comprising characters made invisible by overlapping which can be discovered individually. On this device the number and the designation of the character or characters to be discovered are also mentioned.

 The method of using this device in the banking field, applied to the check is as follows: The bank confidentially indicates to its client when the checkbook is delivered, for example, the positions of the specific character or characters to be discovered for each check .

During the transaction, the check taker removes the coating only on the predefined characters, of which only he knows the location.

The beneficiary can then verify the identity of the bearer by checking whether the characters discovered are those mentioned on the check. A check containing a number of characters discovered insufficient or too many, or erasures, even partial on characters which must remain invisible would be considered doubtful, therefore refused by the beneficiary
This device can allow the bank to quickly authenticate the issuer of the check, to simplify the systematic verification of signatures. The characters that make up the code can be alphabetic numeric. They can just as easily be represented by drawings, figures, images or symbols. This device can be an integral part of the document, oh well be reported preferably irreversibly on it. The document can be any, it can be a check or a card, a letter, a packing slip, packaging, etc ...

The code where the characters instead of being covered by a coating can be printed by an ink or an invisible product and be made irreversibly perceptible by a chemical reagent or a physical action
They can also be covered by a membrane, a stamp, a seal or a seal, or a fold of the support or document. The device may also include an additional code made invisible which must not be revealed during the transaction, the latter being reserved for the bank for possible verifications. If the device or the document is too thin and it lets the code or the characters show through, it is possible to darken the back of it with dark or opaque ink.

 As with the bank card, the code is a means of identifying the bearer or the issuer of the check.

The accompanying drawings illustrate the invention
Plate 1/2 presents the invention according to a first embodiment.

Plate 2/2 presents a variant in which the transcription of the code is not necessary.

 In Plate 1/2, Figure 1 shows the device which is attached to the check. I1 comprises a support (1) on which is printed a code covered by a coating which makes it invisible (2). This coating has the particularity of being able to be scraped to reveal the code which is written below. In Figure 2 during the transaction, the shooter transcribes the code he holds in box (3). In Figure 3 the person receiving the check discovers the code written in box (2).

Consequently in FIG. 4, it can verify the identity of the shooter by comparing the code previously written by the shooter, and that which has just been discovered.

In Plate 2/2, Figure 1 shows the device which is attached to the check. I1 comprises a support (4), on which characters are printed. These are overlaid with an opaque coating which makes them individually invisible (; tu. They are arranged in the form of a table marked by lines and columns 151. In box (6) the character and the quantity of this character to be discovered. Box (6), in this example can include the mention n Five X to be discovered
The table includes only five boxes whose characters are n X l r the other cells have different characters. During the transaction in Figure 2, the shooter discovers the quantity of character corresponding to the indication indicated, of which only he knows the locations. Then in Figure 3, the person receiving the check checks whether the discovered character is that indicated in the location (t, if it is in the quantity specified and without other characters being discovered or crossed out. If these conditions are met, the check is accepted.

 It goes without saying that many modifications can be made to the device without departing from the scope of the invention and that it can be extended to other applications. In which, for example, a "sending" person or organization instructs a second "intermediary" to transmit to a third "receiver" information, a letter, a document, a package, a letter or a package. This device allows the "receiver" to verify that the "transporter" is indeed mandated by the "transmitter". Or according to the usage of the "transporter" to verify that the "receiver" is the person designated as such by "the transmitter"

Claims (12)

irreversibly discovered to allow identification. (2), (7) printed on a document. This code, made invisible, must be  1, Identification device characterized in that it includes a code  RWIENDICATINS  is printed on a support (11, (4) attached to the document.  2, Device according to claim 1, characterized in that the code  boles, or a combination of these (2), (7).  code is made up either of characters, drawings, figures, sym  3, Device according to claim 1 or 2, characterized in that the  removed by scraping.  the code is made invisible by an opaque coating, which can be  4, Device according to claim 1, 2 or 3, characterized in that  undermined by the tearing of it.  the code is made invisible by an attached veil, which can be elected  5, Device according to claim 1, 2 or 3, characterized in that  is obtained by folding the support or the document.  6, Device according to claim 5, characterized in that the veil  separately (7).  what the code is made up of elements, which can be discovered  7, Device according to one of the preceding claims, characterized in  revealed by a chemical reaction or a physical action.  what the code is printed by invisible ink, which can be  8, Device according to one of the preceding claims, characterized in  control which must not be revealed during the transaction.  what it includes an additional code made invisible, reserved for  9, Device according to one of the preceding claims, characterized in  of the preceding claims. 10, Check characterized by the use of a device in accordance with one  one of the preceding claims. 11, Document characterized by the use of a device in accordance with  of the preceding claims. 12, Part characterized by the use of a device in accordance with one