The printing of some type of security screen on the back of the check document.Other locations include the line that makes up the warning box border and the payee endorsement line. The preferred location of this text is the Regulation CC line that separates the Payee Endorsement Area from the Subsequent/Returning Bank Endorsement Area. Micro printing on the back of the check is also recommended. In the event the signature line cannot be micro printed, the second preferred area for this would be part of the check border. The preferred location of this micro printed text is the signature line. This data consists of very small letters (less than 0.010 of an inch tall) that can be easily read through a magnifying glass, by which appear to the unaided eye to be dashed or solid lines. The use of some sort of micro printed data on the front side of the check document.What additional types of fraud deterrent features may be used?Ĭheck Payment Systems Association recommends three features that can be incorporated with little cost impact to the production of the check. Use of the Enhanced Check Security Features Padlock Icon is authorized and controlled by the Check Payment Systems Association. The Enhanced Check Security Features Padlock Icon is a registered certification mark of the Check Payment Systems Association. Thus, two additional features must be present and designated to satisfy the minimum requirement. The Padlock Icon itself printed on the front of the check and its corresponding descriptive verbiage along with the padlock icon and warning box printed on the back of the document represents one feature. Covert security features do not count toward fulfilling this requirement. Only overt security features that are visually detectable or are disclosed on the document itself can be counted toward fulfilling this requirement. These can be physical features, involving design or printing, or paper features, or a combination of both. each of the features chosen shall protect against at least one method of counterfeiting and/or at least one method of alternation). In order to use the icon, the Check Payment Systems Association requires designating the presence of a minimum of three (3) features that, either individually or collectively, defend against both alteration and counterfeiting (i.e. What requirements must be met in order to use the Padlock Icon? Members of the check printing and check payment industry recognized a need to enhance the security of the traditional check product against these forms of fraud. Some of the problem of check fraud has been brought about by the evolution of various printing technologies, enabling check fraud perpetrators to use computers and laser copiers and printers to "manufacture" checks. However, it should be understood that the presence of these features alone will not necessarily guarantee the authenticity of the presenter or document, but they will provide an opportunity for the recipient to identify possible counterfeit or alteration activities that were not previously available.Ĭheck fraud is an ongoing concern. The addition of these features gives those parties accepting checks the opportunity to verify the authenticity of the check document being presented. These additional features add complexity to the check document and make the check harder to change or reproduce. The addition of the Enhanced Check Security Features Padlock Icon is intended to provide an indication to all parties accepting checks that additional security features have been incorporated in the design of the check, the production process, or the materials being used. The Enhanced Security Features Padlock Icon is a small padlock symbol printed on the front and back of a check. What is the Enhanced Check Security Features Padlock Icon?
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