| 摘要 |
This invention comprises a method for determining whether a negotiable instrument is counterfeit. The method includes the step of placing on the instrument an identifying tag, preferably an RF-ID tag, and also a magnetic strip capable of storing information (1). The method also includes the step of recording on the RF-ID tag at least one computer-generated, preferably random number and/or a number related to date and time of its being printed (1). Alternatively, or additionally, the information recorded on the instrument's magnetic strip is associated with the number of encounters since issuance into public use (7). This information thus recorded on the instrument is stored in a secure computer database correspondung to the specific instrument (3). Each time a bank transaction takes place, the instrument is scanned (7). If the information obtained from the instrument upon scanning matches the random numbers obtained from the database, then the transaction is authorized (8, 9, 10). That is, following the successful outcome of the first comparison, the transaction count obtained from the instrument is verified against the transaction count fetched from the database (9). If any of the comparisons fail, then the instrument may be deemed as invalid (11).
|
