| 摘要 |
A system and method to produce and use new bank checks with magnetized strips (30) and/or storage chips (33) to avoid forging in the checks and to confirm immediately upon introducing them for negotiation, whether or not sufficient funds are available. The bank check system comprises issued bank checks whose front and rear faces carry imprinted visible data (11-21) and a magnetic strip (30) and/or storage chip (33) containing stored encoded data readable by a reader so it can be checked for conformity with the visible data (11-21) to detect any unauthorized alterations to the check. The visible data (11-21) and stored encoded data include an identification of a check (19), account, drawer (15) and bank (16). The new checks include checks with a maximum value, or a fixed value that is pre-paid and blocked in the drawer's account, and “ordinary” checks, enabling to check whether the checks to be paid with a sufficient blocked amount. The invention includes a control bank system and the usage of the reader devices to confirm the correctness and safety of these checks, and can be negotiated immediately. The checks according to the invention can be made of plastic, or paper merged with plastic or any other material. The plastic in the edges of the plastic checks are thicker and non-covered with paper to carry the magnetized strip and/or storage chip, in accordance with standard specifications compatible with the reader devices. |
