US3833395A - Continuous form computer print-out document protection system - Google Patents

Continuous form computer print-out document protection system Download PDF

Info

Publication number
US3833395A
US3833395A US28783772A US3833395A US 3833395 A US3833395 A US 3833395A US 28783772 A US28783772 A US 28783772A US 3833395 A US3833395 A US 3833395A
Authority
US
United States
Prior art keywords
percent
document
amount
signature
layer
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.)
Expired - Lifetime
Application number
Inventor
E Gosnell
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.)
Standard Register Co
Original Assignee
Burroughs Corp
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 Burroughs Corp filed Critical Burroughs Corp
Priority to US28783772 priority Critical patent/US3833395A/en
Application granted granted Critical
Publication of US3833395A publication Critical patent/US3833395A/en
Assigned to BURROUGHS CORPORATION reassignment BURROUGHS CORPORATION MERGER (SEE DOCUMENT FOR DETAILS). DELAWARE EFFECTIVE MAY 30, 1982. Assignors: BURROUGHS CORPORATION A CORP OF MI (MERGED INTO), BURROUGHS DELAWARE INCORPORATED A DE CORP. (CHANGED TO)
Assigned to STANDARD REGISTER COMPANY THE reassignment STANDARD REGISTER COMPANY THE ASSIGNMENT OF ASSIGNORS INTEREST. Assignors: BURROUGHS CORPORATION A CORP. OF DE.
Anticipated expiration legal-status Critical
Assigned to BANK OF AMERICA, N.A. reassignment BANK OF AMERICA, N.A. NOTICE OF GRANT OF SECURITY INTEREST IN PATENTS Assignors: THE STANDARD REGISTER COMPANY
Assigned to THE STANDARD REGISTER COMPANY reassignment THE STANDARD REGISTER COMPANY RELEASE BY SECURED PARTY (SEE DOCUMENT FOR DETAILS). Assignors: BANK OF AMERICA, N.A.
Assigned to THE STANDARD REGISTER COMPANY reassignment THE STANDARD REGISTER COMPANY SECURITY INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT
Assigned to THE STANDARD REGISTER COMPANY reassignment THE STANDARD REGISTER COMPANY RELEASE BY SECURED PARTY (SEE DOCUMENT FOR DETAILS). Assignors: BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT
Application status is Expired - Lifetime legal-status Critical

Links

Images

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00Individual entry or exit registers
    • G07C9/00007Access-control involving the use of a pass
    • G07C9/00031Access-control involving the use of a pass in combination with an identity-check of the pass-holder
    • G07C9/00047Access-control involving the use of a pass in combination with an identity-check of the pass-holder by means of the handwritten signature of the pass-holder
    • BPERFORMING OPERATIONS; TRANSPORTING
    • B41PRINTING; LINING MACHINES; TYPEWRITERS; STAMPS
    • B41MPRINTING, DUPLICATING, MARKING, OR COPYING PROCESSES; COLOUR PRINTING
    • B41M3/00Printing processes to produce particular kinds of printed work, e.g. patterns
    • B41M3/14Security printing
    • B41M3/144Security printing using fluorescent, luminescent or iridescent effects
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/02Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine

Abstract

A method of safeguarding the amount and/or signature of negotiable instruments such as a check or similar document from fraudulent alternation or forgery by providing a pressure transfer coating for application to the document to be protected during amount printing and/or signing thereof comprising a pressure sensitive tape having a release coating, a polyester or acrylic coating including fluorescent, colorless pigment and an amorphous silica, and a strata having a design with a brilliantly colored daylight fluorescent ink and a waxy-type coating thereon. The latter three strata are pressure released from the tape and transferred to the document over the amount or signature area to be protected, and then heated so as to cause penetration of the wax-like layer and deeper penetration of the amount indicia into the document fibers.

Description

United States Patent Gosnell 1 Sept. 3, 1974 [54] CONTINUOUS FORM COMPUTER 2,262,492 11/1941 Farrell 283/8 B I O T DOCUMENT PROTECTION 2,331,575 10/1943 Simons 117/1 SYSTEM 2,382,828 8/1945 Staneslow 117/1 [75] Inventor: Earl J. Gosnell, Rochester, NY. primary Examiner Murray Katz [73] Assignee: Burroughs Corporation, Detroit, Attorney, Agent, Firm-Paul Fish Mich. 22 Filed: Sept. 11, 1972 [57] ABSTRACT A method of safeguarding the amount and/or signa- [21] Appl' 287837 ture of negotiable instruments such as a check or similar document from fraudulent alternation or forgery [52] U.S. C1 117/1, 117/ 1.5, 283/8, by providing a pressure transfer coating for applica- 283/9 tion to the document to be protected during amount [51] Int. Cl B4lm 5/10 printing and/or signing thereof comprising a pressure [58] Field of Search 117/1, 1.5; 283/8, 8 A, sensitive tape having a release coating, a polyester or 283/8 B, 9 R, 9 A acrylic coating including fluorescent, colorless pigment and an amorphous silica, and a strata having a [56] References Cited design with a brilliantly colored daylight fluorescent UNITED STATES PATENTS ink and a waxy-type coating thereon. The latter three 225 748 3/1880 Dummer H7 strata are pressure released from the tape and trans- 776515 12/1904 Ives H7 ferred to the document over the amount or signature loozioo 9/1911 117 area to be protected, and then heated so as to cause 1,479,534 1/1924 Curtis 283/9 R Penetration of the Wax-like layer and deeper P 1,588,20l 6/1926 Smith 117/1 tion of the amount indicia into the document fibers.

1,771,612 7/1930 Block 117/1 2,065,605 12/1936 Moore 117 1 7 Clam, 6 Drawmg Flgul'es VIIIIIIIIIIII 2 2 24 I I s r! I III FIG. I.

PATENIEDSEP 31914 3;eaa'.39s

CHECK NUMBER 42872 I 5 PAY TO THE ORDER OF 5;; ,5 3; F 55 5 l2 fi gg m ROVERS'. cove NATIONAL BANK L l4 u' s 1 1n m 5 s w nf: 1 s---uuu 1-: m auuuuuau' 4"? EEQEEM FIG.3. A H8 CONTINUOUS FORM COMPUTER PRINT-OUT DOCUMENT PROTECTION SYSTEM BACKGROUND OF THE INVENTION Several prior art techniques generally relate to decalcomania or like-type transfer devices and materials and are not in fact pertinent to the subject invention but may be considered broadly relevant insofar as they may teach the utilization of layered transfer compositions for visual comprehension or visual acuity as provided by fluorescence to ultraviolet light. None of these pieces of prior art teaches the method and apparatus for protecting negotiable documents from fraudulent alteration as described and claimed in the present application.

SUMMARY OF THE INVENTION The present invention relates to both a method as well as an article of manufacture produced by the method and comprises a paper or similar tape carrying a multilayer coating which under pressure can be caused to transfer to the surface of a negotiable document in the area of the amount and/or the signature. The combined effect of each of the layers and a legend indicating that the layer has been affixed to the document affords excellent protection against the known methods of check fraud by means of amount alteration. After transfer to the document, followed by the application of heat, protection consists of an outer layer of invisible ultraviolet fluorescent plastic, an intermediate moire pattern in daylight fluorescent ink which is difficult to duplicate and an impregnation of a wax-like material through the body of the document over the amount area.

It is an important object therefore of the present invention to provide a document protection system for negotiable instruments such, for example, as checks, which protects against or avoids the known methods of check fraud through mechanical erasure, chemical bleach, alteration by solvent removal, alteration by addition and/or alteration by cutout and substitution of whole amount area.

Another important object of the present invention is the provision of check fraud prevention means through relatively simple and inexpensive mechanical steps and employing available and well-known chemical combinations.

Still another object of this invention is the provision of a readily, visually comprehensible indicia of attempted document fraud, e.g., erasure, bleach, cutout, etc.

It is also an important object of the invention to provide document protection against fraudulent alteration of instruments of negotiation printed by the printing mechanisms of both conventional checkwriters and high speed computer chain or drum printers.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a plan view slightly enlarged of a conventional check with a computer printed amount thereon and the protection overlay adhered to the amount area;

FIG. 2 is an elevational view of the check of FIG. 1;

FIG. 3 is a greatly enlarged sectional view of the protection overlay strata of the invention;

FIG. 4 is a greatly enlarged view of the protection strata of FIG. 3 being pressure bonded to the item of FIG. 1;

FIG. 5 is a greatly enlarged view of the item of FIG. 3 after the pressure bonding step is completed; and

FIG. 6 is an enlarged view of the reverse side of the check after pressure bonding of the protection layers thereto.

PREFERRED EMBODIMENT OF THE INVENTION The invention has application to any type of negotiable document employing money amounts and/or signatures, typical of which is the ordinary payroll check or money order on which an amount is printed, typed or otherwise applied and which is generally subjected to handling by members of the public in its transfer from individual to individual and thus is subject to alteration of amount and/or signature by one or more of the known schemes used by check fraud artists. The invention also has application to stock transfer certificates, bills of exchange and any paper document which can be issued to serve in lieu of money.

Procedures and equipment currently employed to protect business checks from amount alteration utilize checkwriters which imprint large, distinctive, highly colored figures and other symbols on the check. The ink is also frequently forced into and sometimes through the paper by pinpoint type faces of serrated platens and/or type. Such methods are effective to a degree but are individual, hand fed operations not suitable for checks written as computer print-out or by typewriters or accounting machines. These latter amounts are generally printed in small, ordinary typewriter styles through a cloth ribbon with dye based inks and are quite easily altered by erasure or solvent extraction.

Amount alteration generally requires (1) complete or partial removal of digits by abrasion or solvent erasure, or (2) addition alteration, i.e., a 3 to an 8 or a l to a 4. Protection against these aforementioned alterations is considered to be a primary technical requirement.

Present day known systems of check fraud prevention also rely for their effectiveness on chemical type overlays or some sort of chemical material embodied in the check itself. Assuming a fair degree of skill on the part of the check fraud artist, it has been a relatively simple matter to alterthe amount only without disturbing the chemical composition underlying the amount so that the effect, while the fraud might be slightly delayed, was nevertheless to accomplish the alteration; and, what was worse, no known relatively easy detectable means was available to make readily, visually apparent such fraudulent alteration.

As the check fraud artists increased in capability the check fraud prevention schemes appeared to lag in readily apparent detection methods. With the advent of large scale data processing equipment and high speed wide line printers, negotiable instruments of various types were easily, quickly and efficiently printed in staggering numbers. The general quality of the printed image on such computer print-out documents, e.g., payroll checks, is sufficiently degraded from that of the regular checkwriter printed document and even from that of the standard typewriter that alteration of amounts has become almost fools play to the highly skilled forger. The need for a relatively simple, easily useable document protection system thus has become one of the ever pressing needs of the day with no known overall effective protection system available. The present check fraud prevention system avoids the pitfalls of the known prior art systems through the medium of a combination of elements in such manner that any disturbance or removal of material or alteration of amount or signature becomes readily, visually detectable.

Referring to FIG. 1 of the drawings there is shown a document 10, which, for purposes of the description, is illustrated as a check and bears all of commonplace, standard, printed indicia carried by the ordinary negotiable check. In addition to the foregoing, there is shown in the embodiment set forth in FIG. 1, an overlay 12 which, as hereinafter described in detail, is placed on the body of the check in the area including that part thereof bearing the designation amount of check which in this case is $1,234,56.

In addition to the overlay 12, it is noted that the bottom edge of the check, i.e., the portion below the amount and directly below the magnetic encoded figures l4, e.g., MICR, is printed with a daylight fluorescent, solvent insoluble, and camouflaging moire pattern 16 identical in appearance to the pattern of the overlay 12, but which in addition bears the warning check void if this Green-Glo design is missing or defaced over amount. The moire 16 is ink printed on the material of the check with the warning overprinted on the moire pattern. The reason for this particular arrangement will become more clear as the description proceeds.

It is contemplated that the check fraud prevention system of the subject invention can be used with high speed printers of the type generally employed with electronic data processing equipment, and therefore an important aspect of this description relates to such use. Since, as earlier mentioned herein the printed image from the computer print-out is relatively crude by comparison with general printing as is standard in the check and document printing industry, alteration of such printing is relatively simple. To avoid such document fraud and to enhance detection of attempts thereat, the present system has been devised. The invention as illustrated in FIG. 3 comprises four different strata overlaid one on top of the other on a carrier member such, for example, as a release paper tape 18. In the present embodiment the tape 18 is a two side coated silicone, Quillon, Aquapel, etc. paper. The Quillon paper may be obtained from the St. Regis Paper Company, Rhinelander Division, Rhinelander, Wis. as Quillon Q202 Paper, or paper may be coated with Aquapel manufactured by Hercules Incorporated, Wilmington, Delaware, or paper may be coated with silicone resin obtained from Dow Corning, Midland; Mich. The coating 20 is formulated to provide a quick release of the other adjacent layers from the tape 18.

Arbitrarily, for purposes of description only, layer one is designated a release coating 20, e.g., silicone resin. Layer two is designated apolyester or acrylic coating 22 containing a distinctive fluorescent, colorless pigment and an amorphous silica. Aformulation for coating 22 is as follows:

Wet Dry Coated l. Elvacite 6014 (407: dispersion) 42.48% 18.90% 2. Santocel 68 (silica pigment) 3.00 3.00 3. Magnesium 8-Hydroxiquinolate (30% dispersion) fluorescent pigment 10.00 3.00 4. Toluene 35.62 5. Isopropyl Alcohol 8.90

I. Paricin l3 (Glyceryl Mono-HydroxyStearate) 2. Castorwax MP 70 (Hydrogenated Castor OilBaker Castor Oil Company, Bayonne, New Jersey) 3. Santolite MHP" (Condensation product of Aryl Sulfonamides and Formaldehydes-Monsanto Company, St.

Louis, Missouri 4. Tenox BHA (Butylated Hydroxy-anisole) 5. Tenox BHT (Butylated Hydroxy-toluene) The mixture forming the waxy coating 26 must have a proper melting point to prevent blocking when in rolled tape form at temperatures up to F. It must have sufficient adhesion to the overlying ntiore's'ce'nt coating to prevent flaking or premature release from the substrate at low storage and shipping temperatures. It must also have sufficiently low cohesion to permit a clean edged break or transfer under pressure from tape to document.

It must be excellent dye solvent and tend to repel pen and pencil writing. It must also be a paper transparentizer when melted on the document sheet. Finally it must be stable to aging, non-toxic and harmless to the paper at high temperatures. The total tape thickness is approximately 2.5 mils.

The application of the protection layers to a document utilizes a cold, flat platen or roller 28 to provide sufficient pressure to cause layers two, three, and four to transfer to the document over the amount area while releasing from the paper tape 18. The tape 18 may be in the form of a roll which can be fed to the press area and under the roller 28 by means not shown. Thus, as seen in FIG. 4, as applied to the document to be protected, the top layer on the document is a colorless, fluorescent coating 22 approximately 0.2 mils in thickness, while the second layer is a complex color design 24 and the layer 26 directly over the amount on the document is a special wax coating 28 0.8 to 1.0 mil thick. Subsequent heating of the document to the melting point of the wax (about F) carries the waxy material into and through the body of the document 10 as shown in FIGS. 5 and 6, while at the same time causing deeper penetration of the amount characters into the document fibers by virtue of the waxy compositions strong solvency for the character dyes and its transparentizing of the check paper so they can be viewed in reverse from the opposite side of the document.

It appears that penetration of the amount ink is deepest with cloth ribbon inks and is least with plastic based, film ribbon inks. It is apparent that both transfer and penetration steps may be made at one time if heated platens are used. Experimentation has determined that the foregoing system, if taken full advantage of, offers excellent protection against mechanical erasure. For example, a black spot or smudge 30, FIG. 1, is observed under ultraviolet when the fluorescent overcoating and the Day 010 design are removed (ordinary inks do not glow under invisible light). Also, removal of the moire pattern exposes the word void printed as a repeating pattern on the check in the amount area.

In practice, computer amount print-outs on continuous form documents, e.g., checks, would be automatically protected through transfer of the multilayer coating from the tape to the amount area at computer printout speeds. The combined effect of each of the three layers in conjunction with a printed legend affords excellent protection against the known methods of check fraud by means of amount alteration.

After transfer to the check, protection consists of an outer layer of invisible ultraviolet fluorescent plastic, an intermediate, moire pattern in daylight fluorescent green in which is designed to completely mask from view the void pattern as at 14 in FIG. 1, and an impregnation of a wax-like material through the body of the check over the amount area. As before mentioned, an instruction to the cashier is printed on the check to complete the protection system.

The advantages of the present invention are manifold and include the following: Dye based ribbon inks are caused to penetrate completely through the body of the check along with the wax layer so that the paper surface becomes badly scuffed or the paper destroyed before the character can be removed. Even highly abrasive erasers tend to slip on the waxy surface and produce visible smudges over the area of attempted alteration. Penetration of the ribbon ink permits easy reverse readability of the original amount from the back side of the check so that confirmation of the face amount may be made, i.e., addition of or to a figure, or erasure and re-entry are obvious by comparing face and back.

The wax layer overlaying and permeating the amount area affords complete protection against removal of one or more digits by oxygen bleaches and alkaline or acid chlorine eradicators.

The green fluorescent pattern is a close, very fine line, moire design printed with a special green ink which glows under ordinary light, giving it a brilliant effect. This intermediate layer of the composite transfer coating also fluoresces strongly under ultraviolet light. Any attempt to erase an amount digit immediately removes this design and the top fluorescent plastic layer. Restoration is very difficult, first because of the fineness and intricacy of the pattern but primarily because no readily available-writing or printing ink can be made to match the Day-Glo effect of the special ink. Erasure is obvious both in daylight and under ultraviolet: The effectivenss of this feature is enhanced by the presence of the legend 16 at the bottom edge of the document.

The moire pattern is unaffected visibly by oxygen bleaches or acid and alkaline chlorine bleaches.

Application of any solvent to the amount imprint ink will immediately remove this distinctive design. If a partial removal is attempted, tampering is visually obvious under both ordinary and ultraviolet lights.

The addition of one or more amount digits or the pen or typewriter addition-alteration of any one digit is prevented by the presence of the wax layer and evidenced by visual confirmation with the correct amount as seen on the reverse side of the check.

In combination with the legend 16 excellent protection is afforded against this form of check fraud. Since the daylight fluorescent pattern is printed over the amount area as a synchronized function of the check writing operation, and only in conjunction with this operation, stolen blank checks or even cancelled checks could no longer be a cut-out source.

The fluorescent top layer 22 of the transfer tape is very thin (about 0.000015 inch) but tough. It is brilliantly fluorescent under ultraviolet light, permits the printing of the Day-Glo pattern on an otherwise unprintable surface, protects the pattern from scuffing, but is easily removed by mechanical scraping or abrasive erasure to show a black spot in an otherwise brightly fluorescent area under ultraviolet light observatron.

Bleaches have no visible effect on this protective layer-it does, however, act as a barrier in bolstering the wax to prevent bleaches from contacting the amount area.

Application of any ink solvent removes this coating. Under ultraviolet the solvent treated area shows up as a black spot in a bright yellow area.

The legend referred to here consists of an instruction such as Check Void If This GREEN-GLO Pattern Missing or Defaced Over Amount Area. The legend is printed over a three-sixteenths inch lithographed band (suggested location bottom of check) and is a replica of the green daylight fluorescent pattern. Since the legend-both words and pattern-will be printed with inks made from polymerizable drying varnishes, it cannot be removed by solvents or bleaches, and mechanical erasure of the entire band results in an obviously tampered-with document. The legend therefore serves to alert the cashier to any of the above forms of amount alteration.

Since, as earlier pointed out herein, it is desirable to employ the system with electronic data processing equipment, a speed of handling of 10 3 /2 inch documents per second or a web speed of feet per minute may be used as a requirement criteria. It has also been determined experimentally that with suitable and proper impression pressure, transfer from the tape can be made in one-twentieth of a second.

There has thus been described a novel and heretofore unknown document protection system wherein a low coefficient of friction, solvent resistant coating on a release substrate tape is pressure releasable and bondable to the surface of a document and upon the application of suitable heat can be caused to permanently penetrate the body of the document. The transferred coating penetrates the document from front to back carrying with it the dye based ribbon ink and thereby permanently dyeing the paper fibers beneath as well as on the surface.

What is claimed is:

l. A document protection system for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising:

A document bearing indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas, and

a plurality of pressure applicable transparent coatings overlying said amount and signature areas,

said coatings comprising a first layer of acrylic material containing distinctive fluorescent, colorless pigment and an amorphous silica, a second layer providing an overall moire design in a brilliantly colored daylight fluorescent ink and a third layer of waxy material of the formulation: glyceryl monohydroxy-stearate 79.8 percent, hydrogenated castor oil 13 percent, condensation product of aryl sulfonamide and formaldehyde 7 percent, butylated hydroxy-anisole 0.1 percent, and butylated hydroxy-toluene 0.1 percent.

said wax-like coating being capable under applied heat of penetrating said document causing the amount to be visible from the reverse side of the document.

2. A document protection system for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising;

a paper document bearing indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas and a distinctive protection pattern adjacent one edge of said document the disruption of which signals illegal alteration of the document, and

a plurality of protective coatings overlying, bonded to, and impregnating the paper of the amount and signature areas,

said coatings comprising a first layer of the dried residue of acrylic coating material of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica pigment 3 percent, magnesium 8-hydroxiquinolate (30 percent dispersion) fluorescent pigment lO percent, toluene 35.62 percent, and isopropyl alcohol 8.9 percent, a second layer of a brilliant daylight fluorescent green ink and a third layer of a wax material of the formulation: glyceryl mono-hydroxystearate 79.8 percent, hydrogenated castor oil 13 percent, condensation product of aryl sulfonamide and formaldehyde 7 percent, butylated hydroxyanisole 0.1 percent and butylated hydroxy-toluene 0.1 percent.

said wax-like coating being capable upon application of heat of penetrating said document and solubilizing the indicia coloring matter so as to make the amount and signature visible from the reverse side of the document.

3. A document protection system for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising:

A document bearing indicia including an amount and 6 a plurality of strata bonded together on said carrier member and capable of being released therefrom under pressure,

said strata comprising a first layer of the dried residue of acrylic material containing a distinctive fluorescent, colorless pigment and an amorphous silica of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica aerogel pigment 3 percent, magnesium 8- hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent and isopropyl alcohol 8.92 percent, a second layer (moire design) of a brilliantly colored daylight fluorescent green ink, a third layer of a wax type material of the formulation; glyceryl mono-hydroxystearate 79.8 percent, hydrogenated castor oil 13 percent, colorless aryl sulfonamide formaldehyde resin 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent.

said wax-like material being capable under applied heat of penetrating said document to cause the amount to become visible on the opposite side of the document.

4. A document protection system for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising;

a document bearing indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas,

a distinctive pattern viewable when illegally disturbed overlying said amount area,

a carrier member including a silicone release coating thereon, and

a plurality of strata bonded to said carrier member and releasable therefrom under pressure, and overlying said amount area,

said strata comprising a first layer of the dried residue of acrylic material containing a distinctive fluorescent, colorless pigment and an amorphous silica of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica aerogel pigment 3 percent, magnesium 8- hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent and isopropyl alcohol 8.92 percent, a second layer (moire design) of a brilliantly colored daylight fluorescent green ink, a third layer of a wax type material of the formulation; glyceryl mono-hydroxystearate 79.8 percent, hydrogenated castor oil 13 percent, colorless aryl sulfonamide formaldehyde resin 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent.

said strata adapted to be bonded to said document by the applied pressure and by heat so as to cause the wax-like coating material and the amount ink to penetrate said document causing the amount area to become visible on the opposite side of the document.

5. A document protection method for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising the steps of:

providing a document with indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas,

applying a plurality of pressure releasable strata to a carrier member, said strata comprising a first layer of acrylic coating material of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica pigment 3 percent, magnesium 8-hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent, and isopropyl alcohol 8.9 percent, a second layer of a brilliant daylight fluorescent green ink and a third layer of a wax material of the fonnulation: glyceryl mono-hydroxystearate 79.8 percent, hydrogenated castor oil 13 percent, condensation product of aryl sulfonamide and formaldehyde 7 percent, butylated hydroxyanisole 0.1 percent and butylated hydroxy-toluene 0.1 percent.

negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising the steps of:

printing a document with indicia including a distinctive pattern which is exposed when the document is illegally altered or defaced and an amount and releasing said strata from said carrier under pressure 15 signature and instructions relating to safeguarding effectively bonding said strata to said document the amount and signature areas, while removing said carrier member, and pressure bonding a plurality of strata releasable from heating said strata to cause a portion thereof to penea carrier member to said document, said strata trate said document transparentizing the same. comprising a first layer of acrylic material contain- 6. A document protection method for safeguarding ing a distinctive fluorescent, colorless pigment and negotiable instruments of exchange against fraudulent an amorphous silica of the formulation: methyl alteration of amount and/or signature comprising the methacrylate copolymer (40 percent dispersion in steps of: toluene) 42.48 percent, silica aerogel pigment 3 providing a document with amount, signature and inpercent, magnesium 8-hydroxiquinolate (30 perstruction indicia relating to safeguarding the cent dispersion) fluorescent pigment 10 percent, amount and signature areas and a distinctive pattoluene 35.62 percent, and isopropyl alcohol 8.92 tern viewable when said document is illegally dispercent, a second layer (moire design) of a brilturbed, liantly colored daylight fluorescent green ink, a bonding a plurality of pressure releasable strata to a third layer of a wax type material of the formulacarrier member, said strata comprising a first layer tion: glyceryl mono-hydroxy-stearate 79.8 percent, of acrylic material containing distinctive fluoreshydrogenated castor oil 13 percent, colorless aryl cent, colorless pigment and an amorphous silica, a sulfonomide formaldehyde resin 7 percent, butylsecond layer providing an overall moire design in ated hydroxy-anisole 0.1 percent and butylated hya brilliantly colored daylight fluorescent ink and a droxy-toluene 0.1 percent and third layer of waxy material of the formulation: heating said strata to a temperature of 175F suffiglyceryl mono-hydroxy-stearate 79.8 percent, hycient to cause said wax-like material to penetrate drogenated castor oil 13 percent, condensation said document making the amount visible on the product of aryl sulfonamide and formaldehyde 7 opposite side thereof. percent, butylated hydroxy-anisole 0.1 percent and

Claims (6)

  1. 2. A document protection system for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising; a paper document bearing indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas and a distinctive protection pattern adjacent one edge of said document the disruption of which signals illegal alteration of the document, and a plurality of protective coatings overlying, bonded to, and impregnating the paper of the amount and signature areas, said coatings comprising a first layer of the dried residue of acrylic coating material of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica pigment 3 percent, magnesium 8-hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent, and isopropyl alcohol 8.9 percent, a second layer of a brilliant daylight fluorescent green ink and a third layer of a wax material of the formulation: glyceryl mono-hydroxy-stearate 79.8 percent, hydrogenated castor oil 13 percent, condensation product of aryl sulfonamide and formaldehyde 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent. said wax-like coating being capable upon application of heat of penetrating said document and solubilizing the indicia coloring matter so as to make the amount and signature visible from the reverse side of the document.
  2. 3. A document protection system for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising: A document bearing indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas, A carrier member, and a plurality of strata bonded together on said carrier member and capable of being released therefrom under pressure, said strata comprising a first layer of the dried residue of acrylic material containing a distinctive fluorescent, colorless pigment and an amorphous silica of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica aerogel pigment 3 percent, magnesium 8-hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent and isopropyl alcohol 8.92 percent, a second layer (moire design) of a brilliantly colored daylight fluorescent green ink, a third layer of a wax type material of the formulation; glyceryl mono-hydroxy-stearate 79.8 percent, hydrogenated castor oil 13 percent, colorless aryl sulfonamide formaldehyde resin 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent. said wax-like material being capable under applied heat of penetrating said document to cause the amount to become visible on the opposite side of the document.
  3. 4. A document protection system for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising; a document bearing indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas, a distinctive pattern viewable when illegally disturbed overlying said amount area, a carrier member including a silicone release coating thereon, and a plurality of strata bonded to said carrier member and releasable therefrom under pressure, and overlying said amount area, said strata comprising a first layer of the dried residue of acrylic material containing a distinctive fluorescent, colorless pigment and an amorphous silica of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica aerogel pigment 3 percent, magnesium 8-hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent and isopropyl alcohol 8.92 percent, a second layer (moire design) of a brilliantly colored daylight fluorescent green ink, a third layer of a wax type material of the formulation; glyceryl mono-hydroxy-stearate 79.8 percent, hydrogenated castor oil 13 percent, colorless aryl sulfonamide formaldehyde resin 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent. said strata adapted to be bonded to said document by the applied pressure and by heat so as to cause the wax-like coating material and the amount ink to penetrate said document causing the amount area to become visible on the opposite side of the document.
  4. 5. A document protection method for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising the steps of: providing a document with indicia including an amount and signature and instructions relating to safeguarding the amount and signature areas, applying a plurality of pressure releasable strata to a carrier member, said strata comprising a first layer of acrylic coating material of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica pigment 3 percent, magnesium 8-hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent, and isopropyl alcohol 8.9 percent, a second layer of A brilliant daylight fluorescent green ink and a third layer of a wax material of the formulation: glyceryl mono-hydroxy-stearate 79.8 percent, hydrogenated castor oil 13 percent, condensation product of aryl sulfonamide and formaldehyde 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent. releasing said strata from said carrier under pressure effectively bonding said strata to said document while removing said carrier member, and heating said strata to cause a portion thereof to penetrate said document transparentizing the same.
  5. 6. A document protection method for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising the steps of: providing a document with amount, signature and instruction indicia relating to safeguarding the amount and signature areas and a distinctive pattern viewable when said document is illegally disturbed, bonding a plurality of pressure releasable strata to a carrier member, said strata comprising a first layer of acrylic material containing distinctive fluorescent, colorless pigment and an amorphous silica, a second layer providing an overall moire design in a brilliantly colored daylight fluorescent ink and a third layer of waxy material of the formulation: glyceryl mono-hydroxy-stearate 79.8 percent, hydrogenated castor oil 13 percent, condensation product of aryl sulfonamide and formaldehyde 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent, applying pressure to said carrier member effective to bond said strata to said document while releasing said carrier member, and heating said pressure bonded strata to cause a portion of the material thereof to penetrate said document transparentizing the same.
  6. 7. A document protection method for safeguarding negotiable instruments of exchange against fraudulent alteration of amount and/or signature comprising the steps of: printing a document with indicia including a distinctive pattern which is exposed when the document is illegally altered or defaced and an amount and signature and instructions relating to safeguarding the amount and signature areas, pressure bonding a plurality of strata releasable from a carrier member to said document, said strata comprising a first layer of acrylic material containing a distinctive fluorescent, colorless pigment and an amorphous silica of the formulation: methyl methacrylate copolymer (40 percent dispersion in toluene) 42.48 percent, silica aerogel pigment 3 percent, magnesium 8-hydroxiquinolate (30 percent dispersion) fluorescent pigment 10 percent, toluene 35.62 percent, and isopropyl alcohol 8.92 percent, a second layer (moire design) of a brilliantly colored daylight fluorescent green ink, a third layer of a wax type material of the formulation: glyceryl mono-hydroxy-stearate 79.8 percent, hydrogenated castor oil 13 percent, colorless aryl sulfonomide formaldehyde resin 7 percent, butylated hydroxy-anisole 0.1 percent and butylated hydroxy-toluene 0.1 percent and heating said strata to a temperature of 175*F sufficient to cause said wax-like material to penetrate said document making the amount visible on the opposite side thereof.
US28783772 1972-09-11 1972-09-11 Continuous form computer print-out document protection system Expired - Lifetime US3833395A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US28783772 US3833395A (en) 1972-09-11 1972-09-11 Continuous form computer print-out document protection system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US28783772 US3833395A (en) 1972-09-11 1972-09-11 Continuous form computer print-out document protection system

Publications (1)

Publication Number Publication Date
US3833395A true US3833395A (en) 1974-09-03

Family

ID=23104564

Family Applications (1)

Application Number Title Priority Date Filing Date
US28783772 Expired - Lifetime US3833395A (en) 1972-09-11 1972-09-11 Continuous form computer print-out document protection system

Country Status (1)

Country Link
US (1) US3833395A (en)

Cited By (59)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4009892A (en) * 1975-02-03 1977-03-01 Nickerson Iii Eugene W Method and product for preventing fraud in document identification
US4231593A (en) * 1978-02-21 1980-11-04 Centurion Data Corporation Check with electrically conductive layer
US4398708A (en) * 1977-01-28 1983-08-16 Max Goldman Method of fabricating and securing playing cards for instant lotteries and games
GB2174313A (en) * 1985-04-11 1986-11-05 Morane Plastic Company Limited A security film for a document
US5254196A (en) * 1990-12-20 1993-10-19 Xerox Corporation Security of negotiable instruments thru the application of color to xerographic images
US5605738A (en) * 1993-09-30 1997-02-25 Angstrom Technologies, Inc. Tamper resistant system using ultraviolet fluorescent chemicals
WO2002056136A2 (en) * 2000-12-15 2002-07-18 Western Union Financial Services, Inc. Online method and system for ordering and having delivered a paper greeting message and payment instrument
US20020153414A1 (en) * 1999-08-09 2002-10-24 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US20020156683A1 (en) * 1999-08-09 2002-10-24 First Data Corporation Systems and methods for utilizing a point-of-sale system
US20020166891A1 (en) * 1999-08-09 2002-11-14 First Data Corporation Systems and methods for deploying a point-of sale device
US20030163417A1 (en) * 2001-12-19 2003-08-28 First Data Corporation Methods and systems for processing transaction requests
US20030177067A1 (en) * 2000-12-15 2003-09-18 First Data Corporation Systems and methods for ordering and distributing incentive messages
US20030222135A1 (en) * 1999-08-09 2003-12-04 First Data Corporation Systems and methods for configuring a point-of-sale system
US20030225694A1 (en) * 2002-06-04 2003-12-04 First Data Corporation Intra-organization negotiable instrument production and messaging
US20040039693A1 (en) * 2002-06-11 2004-02-26 First Data Corporation Value processing network and methods
US20040148203A1 (en) * 2002-10-08 2004-07-29 First Data Corporation Systems and methods for verifying medical insurance coverage
US20040159699A1 (en) * 2003-02-19 2004-08-19 First Data Corporation Peripheral point-of-sale systems and methods of using such
US20040177014A1 (en) * 2003-03-05 2004-09-09 First Data Corporation Systems and methods for ordering and distributing redemption instruments
US20050015280A1 (en) * 2002-06-11 2005-01-20 First Data Corporation Health care eligibility verification and settlement systems and methods
US20050137986A1 (en) * 2003-12-17 2005-06-23 First Data Corporation Methods and systems for electromagnetic initiation of secure transactions
US6922673B2 (en) 2000-12-15 2005-07-26 Fist Data Corporation Systems and methods for ordering and distributing incentive messages
US20050261968A1 (en) * 2004-05-04 2005-11-24 First Data Corporation System and method for conducting transactions with different forms of payment
US20050288964A1 (en) * 1999-08-09 2005-12-29 First Data Corporation Health care eligibility verification and settlement systems and methods
US20060074803A1 (en) * 2002-08-20 2006-04-06 First Data Corporation Multi-purpose kiosk and methods
US7096205B2 (en) 2001-03-31 2006-08-22 First Data Corporation Systems and methods for enrolling consumers in goods and services
US7103577B2 (en) 2001-03-31 2006-09-05 First Data Corporation Systems and methods for staging transactions, payments and collections
US7117183B2 (en) 2001-03-31 2006-10-03 First Data Coroporation Airline ticket payment and reservation system and methods
US7130817B2 (en) 2000-12-15 2006-10-31 First Data Corporation Electronic gift linking
US20060261155A1 (en) * 1999-08-09 2006-11-23 First Data Corporation Point of sale payment terminal
US7158955B2 (en) 2001-03-31 2007-01-02 First Data Corporation Electronic identifier payment systems and methods
US7184989B2 (en) 2001-03-31 2007-02-27 First Data Corporation Staged transactions systems and methods
US7219832B2 (en) 2004-06-17 2007-05-22 First Data Corporation ATM machine and methods with currency conversion capabilities
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
US20070208662A1 (en) * 2006-02-10 2007-09-06 The Western Union Company Biometric based authorization systems for electronic fund transfers
US7392940B2 (en) 2005-05-18 2008-07-01 The Western Union Company In-lane money transfer systems and methods
US7398252B2 (en) 2000-07-11 2008-07-08 First Data Corporation Automated group payment
US20080195497A1 (en) * 2004-11-08 2008-08-14 First Data Corporation Unit-Based Prepaid Presentation Instrument Accounts And Methods
US7463946B2 (en) 2001-11-08 2008-12-09 First Data Corporation Mail handling equipment and methods
US20090104888A1 (en) * 2007-10-17 2009-04-23 First Data Corporation Onetime Passwords For Mobile Wallets
US20090200371A1 (en) * 2007-10-17 2009-08-13 First Data Corporation Onetime passwords for smart chip cards
US7587342B2 (en) 2000-07-11 2009-09-08 First Data Corporation Method for requesting and receiving an online payment through a payment enabler system
US7596529B2 (en) 2002-02-13 2009-09-29 First Data Corporation Buttons for person to person payments
US20090254428A1 (en) * 2008-04-03 2009-10-08 First Data Corporation Systems and methods for delivering advertising content to point of sale devices
US7606734B2 (en) 2000-07-11 2009-10-20 The Western Union Company Wide area network person-to-person payment
US7613653B2 (en) 1999-12-30 2009-11-03 First Data Corporation Money order debit from stored value fund
US7641109B2 (en) 2005-05-18 2010-01-05 The Western Union Company Money transfer cards, systems and methods
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
US20100268611A1 (en) * 2009-04-21 2010-10-21 First Data Corporation Systems and methods for pre-paid futures procurement
US7917395B2 (en) 2004-09-28 2011-03-29 The Western Union Company Wireless network access prepayment systems and methods
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8150763B2 (en) 2001-03-31 2012-04-03 The Western Union Company Systems and methods for staging transactions, payments and collections
US8244632B2 (en) 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8960537B2 (en) 2004-10-19 2015-02-24 The Western Union Company Money transfer systems and methods
US20150053638A1 (en) * 2013-08-23 2015-02-26 Sicpa Holding Sa Anti-tampering composition and methods of use therefore
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US225748A (en) * 1880-03-23 Bonds
US776515A (en) * 1903-09-14 1904-12-06 Frederic E Ives Safety composite-color print.
US1002600A (en) * 1909-08-14 1911-09-05 Edward Robert Morris Means for detecting counterfeit bank-notes, bonds, coupons, and the like.
US1479534A (en) * 1924-01-01 Doevilxje
US1588201A (en) * 1924-05-14 1926-06-08 Todd Co Inc Safety paper
US1771612A (en) * 1928-01-26 1930-07-29 Block David Julian Means for identifying materials
US2065605A (en) * 1935-06-10 1936-12-29 Moore Opha Negotiable instrument safety paper
US2262492A (en) * 1939-06-06 1941-11-11 Plymouth Cordage Co Label
US2331575A (en) * 1940-08-03 1943-10-12 George La Monte & Son Safety paper and method of making same
US2382828A (en) * 1940-07-31 1945-08-14 Moore Business Forms Inc Safety record paper

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US225748A (en) * 1880-03-23 Bonds
US1479534A (en) * 1924-01-01 Doevilxje
US776515A (en) * 1903-09-14 1904-12-06 Frederic E Ives Safety composite-color print.
US1002600A (en) * 1909-08-14 1911-09-05 Edward Robert Morris Means for detecting counterfeit bank-notes, bonds, coupons, and the like.
US1588201A (en) * 1924-05-14 1926-06-08 Todd Co Inc Safety paper
US1771612A (en) * 1928-01-26 1930-07-29 Block David Julian Means for identifying materials
US2065605A (en) * 1935-06-10 1936-12-29 Moore Opha Negotiable instrument safety paper
US2262492A (en) * 1939-06-06 1941-11-11 Plymouth Cordage Co Label
US2382828A (en) * 1940-07-31 1945-08-14 Moore Business Forms Inc Safety record paper
US2331575A (en) * 1940-08-03 1943-10-12 George La Monte & Son Safety paper and method of making same

Cited By (105)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4009892A (en) * 1975-02-03 1977-03-01 Nickerson Iii Eugene W Method and product for preventing fraud in document identification
US4398708A (en) * 1977-01-28 1983-08-16 Max Goldman Method of fabricating and securing playing cards for instant lotteries and games
US4231593A (en) * 1978-02-21 1980-11-04 Centurion Data Corporation Check with electrically conductive layer
GB2174313A (en) * 1985-04-11 1986-11-05 Morane Plastic Company Limited A security film for a document
US5254196A (en) * 1990-12-20 1993-10-19 Xerox Corporation Security of negotiable instruments thru the application of color to xerographic images
US5605738A (en) * 1993-09-30 1997-02-25 Angstrom Technologies, Inc. Tamper resistant system using ultraviolet fluorescent chemicals
US6827260B2 (en) 1999-08-09 2004-12-07 First Data Corporation Systems and methods for utilizing a point-of-sale system
US20020153414A1 (en) * 1999-08-09 2002-10-24 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US20020156683A1 (en) * 1999-08-09 2002-10-24 First Data Corporation Systems and methods for utilizing a point-of-sale system
US20020166891A1 (en) * 1999-08-09 2002-11-14 First Data Corporation Systems and methods for deploying a point-of sale device
US20060261155A1 (en) * 1999-08-09 2006-11-23 First Data Corporation Point of sale payment terminal
US7086584B2 (en) 1999-08-09 2006-08-08 First Data Corporation Systems and methods for configuring a point-of-sale system
US20050288964A1 (en) * 1999-08-09 2005-12-29 First Data Corporation Health care eligibility verification and settlement systems and methods
US7540410B2 (en) 1999-08-09 2009-06-02 First Data Corporation Point of sale payment terminal
US7506809B2 (en) 1999-08-09 2009-03-24 First Data Corporation Systems and methods for configuring a point-of-sale system
US7600673B2 (en) 1999-08-09 2009-10-13 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US8751250B2 (en) 1999-08-09 2014-06-10 First Data Corporation Health care eligibility verification and settlement systems and methods
US6886742B2 (en) 1999-08-09 2005-05-03 First Data Corporation Systems and methods for deploying a point-of sale device
US20030222135A1 (en) * 1999-08-09 2003-12-04 First Data Corporation Systems and methods for configuring a point-of-sale system
US20070029376A1 (en) * 1999-08-09 2007-02-08 First Data Corporation Systems and methods for configuring a point-of-sale system
US7613653B2 (en) 1999-12-30 2009-11-03 First Data Corporation Money order debit from stored value fund
US7398252B2 (en) 2000-07-11 2008-07-08 First Data Corporation Automated group payment
US8024229B2 (en) 2000-07-11 2011-09-20 The Western Union Company Wide area network person-to-person payment
US7937292B2 (en) 2000-07-11 2011-05-03 The Western Union Company Wide area network person-to-person payment
US7587342B2 (en) 2000-07-11 2009-09-08 First Data Corporation Method for requesting and receiving an online payment through a payment enabler system
US7610222B2 (en) 2000-07-11 2009-10-27 First Data Corporation Method for providing a money transfer service through a payment enabler system
US7941342B2 (en) 2000-07-11 2011-05-10 The Western Union Company Wide area network person-to-person payment
US7930216B2 (en) 2000-07-11 2011-04-19 The Western Union Company Method for making an online payment through a payment enabler system
US7606734B2 (en) 2000-07-11 2009-10-20 The Western Union Company Wide area network person-to-person payment
US7941346B2 (en) 2000-07-11 2011-05-10 The Western Union Company Wide area network person-to-person payment
US7512552B2 (en) 2000-12-15 2009-03-31 The Western Union Company Electronic gift linking
US7908179B2 (en) 2000-12-15 2011-03-15 The Western Union Company Electronic gift linking
US7003479B2 (en) 2000-12-15 2006-02-21 First Data Corporation Systems and methods for ordering and distributing incentive messages
US20030177067A1 (en) * 2000-12-15 2003-09-18 First Data Corporation Systems and methods for ordering and distributing incentive messages
US7130817B2 (en) 2000-12-15 2006-10-31 First Data Corporation Electronic gift linking
WO2002056136A3 (en) * 2000-12-15 2003-04-03 Western Union Financial Servic Online method and system for ordering and having delivered a paper greeting message and payment instrument
US6922673B2 (en) 2000-12-15 2005-07-26 Fist Data Corporation Systems and methods for ordering and distributing incentive messages
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
WO2002056136A2 (en) * 2000-12-15 2002-07-18 Western Union Financial Services, Inc. Online method and system for ordering and having delivered a paper greeting message and payment instrument
US7184989B2 (en) 2001-03-31 2007-02-27 First Data Corporation Staged transactions systems and methods
US9129464B2 (en) 2001-03-31 2015-09-08 The Western Union Company Staged transactions systems and methods
US7716128B2 (en) 2001-03-31 2010-05-11 The Western Union Company Electronic indentifier payment systems and methods
US7165052B2 (en) 2001-03-31 2007-01-16 First Data Corporation Payment service method and system
US7158955B2 (en) 2001-03-31 2007-01-02 First Data Corporation Electronic identifier payment systems and methods
US7117183B2 (en) 2001-03-31 2006-10-03 First Data Coroporation Airline ticket payment and reservation system and methods
US7103577B2 (en) 2001-03-31 2006-09-05 First Data Corporation Systems and methods for staging transactions, payments and collections
US7096205B2 (en) 2001-03-31 2006-08-22 First Data Corporation Systems and methods for enrolling consumers in goods and services
US8515874B2 (en) 2001-03-31 2013-08-20 The Western Union Company Airline ticket payment and reservation system and methods
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
US8150763B2 (en) 2001-03-31 2012-04-03 The Western Union Company Systems and methods for staging transactions, payments and collections
US8706640B2 (en) 2001-03-31 2014-04-22 The Western Union Company Systems and methods for enrolling consumers in goods and services
US7107249B2 (en) 2001-03-31 2006-09-12 First Data Corporation Electronic identifier payment systems and methods
US8244632B2 (en) 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
US7463946B2 (en) 2001-11-08 2008-12-09 First Data Corporation Mail handling equipment and methods
US20030163417A1 (en) * 2001-12-19 2003-08-28 First Data Corporation Methods and systems for processing transaction requests
US7596529B2 (en) 2002-02-13 2009-09-29 First Data Corporation Buttons for person to person payments
US20080021780A1 (en) * 2002-06-04 2008-01-24 First Data Corporation Intra-organization negotiable instrument production and messaging
US20030225694A1 (en) * 2002-06-04 2003-12-04 First Data Corporation Intra-organization negotiable instrument production and messaging
US20040039693A1 (en) * 2002-06-11 2004-02-26 First Data Corporation Value processing network and methods
US8086539B2 (en) 2002-06-11 2011-12-27 The Western Union Company Value processing network and methods
US20050015280A1 (en) * 2002-06-11 2005-01-20 First Data Corporation Health care eligibility verification and settlement systems and methods
US9898581B2 (en) 2002-06-11 2018-02-20 First Data Corporation Health care eligibility verification and settlement systems and methods
US20060167794A1 (en) * 2002-08-20 2006-07-27 First Data Corporation Bill payment systems and methods using a kiosk
US20060074803A1 (en) * 2002-08-20 2006-04-06 First Data Corporation Multi-purpose kiosk and methods
US20040148203A1 (en) * 2002-10-08 2004-07-29 First Data Corporation Systems and methods for verifying medical insurance coverage
US20040159699A1 (en) * 2003-02-19 2004-08-19 First Data Corporation Peripheral point-of-sale systems and methods of using such
US20040177014A1 (en) * 2003-03-05 2004-09-09 First Data Corporation Systems and methods for ordering and distributing redemption instruments
US20070078781A1 (en) * 2003-12-17 2007-04-05 First Data Corporation Information access control
US20050137986A1 (en) * 2003-12-17 2005-06-23 First Data Corporation Methods and systems for electromagnetic initiation of secure transactions
US7831519B2 (en) 2003-12-17 2010-11-09 First Data Corporation Methods and systems for electromagnetic initiation of secure transactions
US20050261968A1 (en) * 2004-05-04 2005-11-24 First Data Corporation System and method for conducting transactions with different forms of payment
US7707110B2 (en) 2004-05-04 2010-04-27 First Data Corporation System and method for conducting transactions with different forms of payment
US7219832B2 (en) 2004-06-17 2007-05-22 First Data Corporation ATM machine and methods with currency conversion capabilities
US7458507B2 (en) 2004-06-17 2008-12-02 First Data Corporation ATM machine and methods with currency conversion capabilities
US10296876B2 (en) 2004-09-28 2019-05-21 The Western Union Company Wireless network access prepayment systems and methods
US7917395B2 (en) 2004-09-28 2011-03-29 The Western Union Company Wireless network access prepayment systems and methods
US8960537B2 (en) 2004-10-19 2015-02-24 The Western Union Company Money transfer systems and methods
US7813982B2 (en) 2004-11-08 2010-10-12 First Data Corporation Unit-based prepaid presentation instrument accounts and methods
US20080195497A1 (en) * 2004-11-08 2008-08-14 First Data Corporation Unit-Based Prepaid Presentation Instrument Accounts And Methods
US9384476B2 (en) 2005-05-18 2016-07-05 The Western Union Company Money transfer system and method
US7641109B2 (en) 2005-05-18 2010-01-05 The Western Union Company Money transfer cards, systems and methods
US7392940B2 (en) 2005-05-18 2008-07-01 The Western Union Company In-lane money transfer systems and methods
US8851371B2 (en) 2005-05-18 2014-10-07 The Western Union Company In-lane money transfer systems and methods
US7753267B2 (en) 2005-05-18 2010-07-13 The Western Union Company In-lane money transfer systems and methods
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
US20070208662A1 (en) * 2006-02-10 2007-09-06 The Western Union Company Biometric based authorization systems for electronic fund transfers
US9542684B2 (en) 2006-02-10 2017-01-10 The Western Union Company Biometric based authorization systems for electronic fund transfers
US8345931B2 (en) 2006-02-10 2013-01-01 The Western Union Company Biometric based authorization systems for electronic fund transfers
US8837784B2 (en) 2006-02-10 2014-09-16 The Western Union Company Biometric based authorization systems for electronic fund transfers
US9123044B2 (en) 2007-01-17 2015-09-01 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system
US8762267B2 (en) 2007-03-28 2014-06-24 The Western Union Company Money transfer system and messaging system
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
US20090200371A1 (en) * 2007-10-17 2009-08-13 First Data Corporation Onetime passwords for smart chip cards
US8095113B2 (en) 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US20090104888A1 (en) * 2007-10-17 2009-04-23 First Data Corporation Onetime Passwords For Mobile Wallets
US8565723B2 (en) 2007-10-17 2013-10-22 First Data Corporation Onetime passwords for mobile wallets
US20090254428A1 (en) * 2008-04-03 2009-10-08 First Data Corporation Systems and methods for delivering advertising content to point of sale devices
US8346611B2 (en) 2009-04-21 2013-01-01 First Data Corporation Systems and methods for pre-paid futures procurement
US20100268611A1 (en) * 2009-04-21 2010-10-21 First Data Corporation Systems and methods for pre-paid futures procurement
US20150053638A1 (en) * 2013-08-23 2015-02-26 Sicpa Holding Sa Anti-tampering composition and methods of use therefore

Similar Documents

Publication Publication Date Title
US3412493A (en) Tamper-proof record structure
US5688587A (en) Antifalsification paper having a thread- or band-shaped security element and a method for producing it
US4629630A (en) Check paper that is protected against forgery and tampering
CN1031386C (en) Security articles
US4273362A (en) Information-bearing article for conveying information which cannot be surreptitiously detected
RU2241603C2 (en) Important document
US6712399B1 (en) Security device
US4120445A (en) Information-bearing article for conveying information which cannot be surreptitiously detected
US5876068A (en) Security element in the form of a thread or strip to be embedded in security documents and methods of producing it
CN1158630C (en) Inorganic sheet carrying symbols for making pigments
EP0318717B1 (en) Document with reliefs against falsification, and method for manufacturing the same
US5251937A (en) Multilayer data carrier and a method for producing it
AU755984B2 (en) In security elements
CA1039456A (en) Safety inks and documents
AU2001276379B2 (en) Antifalsification paper and security document produced therefrom
US4596409A (en) Identification card and method of producing it
US6536672B1 (en) Product authentication system and method
US5443579A (en) Printed matter and method for printing the same
US5873604A (en) Document security system having thermo-activated pantograph and validation mark
CN101795870B (en) Security device and method
US5605738A (en) Tamper resistant system using ultraviolet fluorescent chemicals
CA1295643C (en) Tamper evident document and use thereof
US5599047A (en) Magnetic metallic safeguarding thread with negative writing and a method of making same
US4627642A (en) Method of marking for deterring fraud with valuable documents
EP0538376B1 (en) Transfer film

Legal Events

Date Code Title Description
AS Assignment

Owner name: BURROUGHS CORPORATION

Free format text: MERGER;ASSIGNORS:BURROUGHS CORPORATION A CORP OF MI (MERGED INTO);BURROUGHS DELAWARE INCORPORATED A DE CORP. (CHANGED TO);REEL/FRAME:004312/0324

Effective date: 19840530

AS Assignment

Owner name: STANDARD REGISTER COMPANY THE, A CORP. OF OHIO

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST.;ASSIGNOR:BURROUGHS CORPORATION A CORP. OF DE.;REEL/FRAME:004568/0718

Effective date: 19860531

STCF Information on status: patent grant

Free format text: PATENTED FILE - (OLD CASE ADDED FOR FILE TRACKING PURPOSES)

AS Assignment

Owner name: BANK OF AMERICA, N.A.,GEORGIA

Free format text: NOTICE OF GRANT OF SECURITY INTEREST IN PATENTS;ASSIGNOR:THE STANDARD REGISTER COMPANY;REEL/FRAME:024170/0252

Effective date: 20100331

Owner name: BANK OF AMERICA, N.A., GEORGIA

Free format text: NOTICE OF GRANT OF SECURITY INTEREST IN PATENTS;ASSIGNOR:THE STANDARD REGISTER COMPANY;REEL/FRAME:024170/0252

Effective date: 20100331

AS Assignment

Owner name: THE STANDARD REGISTER COMPANY, OHIO

Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:BANK OF AMERICA, N.A.;REEL/FRAME:036283/0027

Effective date: 20150731

Owner name: THE STANDARD REGISTER COMPANY, OHIO

Free format text: SECURITY INTEREST;ASSIGNOR:BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT;REEL/FRAME:036283/0153

Effective date: 20150731

AS Assignment

Owner name: THE STANDARD REGISTER COMPANY, OHIO

Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT;REEL/FRAME:036304/0175

Effective date: 20150731