Fraud inhibiting personal check and method

Details Fraud inhibiting personal check and method Fraud inhibiting personal check and method

1996-12-23

1999-01-26

Fridie, Jr., Willmon

Printed matter

Banking

Checks

283 57, B42D 1500

Patent

active

058630740

ABSTRACT:
A personal check includes a substrate defined to be written on and to be transferable from a first person to a second person. The personal check also includes: check characterizing indicia printed on the substrate, and at least three different types of identification indicia printed on the substrate such that the identification indicia are not removed from the substrate when the substrate is transferred from the first person to the second person. These identification indicia include a picture of at least the face of the first person, an alphanumeric physical parameter identifying an at least approximately visually discernable physical characteristic of the first person, and a predetermined signature of the first person. In one implementation, the check characterizing indicia and the identification indicia are interposed on the substrate. A plurality of these personal checks are comprised in a checkbook. A method for discouraging personal check fraud comprises providing to a computer system at least the aforementioned three different types of identification indicia about a personal checking account holder. The method further comprises printing with the computer system a plurality of personal checks for the account holder. This includes printing the at least three different types of identification indicia to permanently remain on each personal check.

REFERENCES:
patent: 3258277 (1966-06-01), Schuster
patent: 3671059 (1972-06-01), Zeller
patent: 4865351 (1989-09-01), Smithson et al.
patent: 5075769 (1991-12-01), Allen et al.
patent: 5181786 (1993-01-01), Hujink
patent: 5244235 (1993-09-01), Helgeson
patent: 5505494 (1996-04-01), Belluci et al.
patent: 5594226 (1997-01-01), Steger
patent: 5801365 (1998-09-01), Katz

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