| Every business owner or employee responsible
for document security should understand there is no single security
feature to protect a document from the determined or practiced
forger who is intent on defrauding an unsuspecting victim. To
avoid losses arising from document forgery, the best defense
strategy employs multiple security features, i.e. layering of
obstacles which are either included in the paper or printed
on it, as well as instituting and enforcing company wide procedures
for handling and verifying documents. Some of these multiple
security features include, but are not limited to, bleed through
MICR numbering used in combination with Security Paper, VOID
pantographs, artificial watermark and microprinting. Seeing
these multiple security features can cause a forger to move
on to an easier target.
Three of the more popular security features
are microprinting, security screens and warning icons or bands.
The first two utilize very small imagery to inhibit successful
reproduction. Microprinting uses type so small that when words
are lined up together, they look like a ruled line. Miniature
print is difficult to scan or copy and its presence can be
verified very simply with a magnifying glass. Businesses should
include the MP icon for authenticity whenever using microprinting
security for a signature line to alert everyone there is a
simple verification procedure to determine authenticity. Moreover,
the MP icon, like the warning band, serves as a warning to
forgers that security features are used and this is not an
easy document to duplicate or alter.
Security screens or VOID pantographs
use small dots and extremely thin lines to depict patterns
and solid screens. Printed in a second color, as a background,
the word VOID becomes apparent when the document is reproduced.
Security screens printed on the backside of a check make it
more difficult to alter or forge.
Security pantos use various line structures
at different convergent angles to intentionally limit the
ability of black and white and color copiers to reproduce
an authentic looking document. These pantos are available
in different designs that offer excellent replication protection
for security documents.
Some inks are not acceptable for the
copy-resistant pantograph technology. Using ink with high
pigment content will generally optimize the security features
for this technology during copier reproduction. Moreover,
when using this technology, colored papers are not recommended.
Printing with invisible fluorescent
ink is unique and subtle. While this security feature is not
visually apparent, it can be easily verified using ultraviolet
light. Including this technology in the warning band immediately
notifies the forger there are invisible elements of the document
that cannot be copied. In a truly personalized application,
transparent inks can be used to print a custom artificial
watermark using your company logo anywhere on a check to make
it extremely difficult to reproduce.
The warning band, MP and padlock icons
used together with a description of the security features
included, help to alert bank personnel of the means to verify
authenticity and to discover anything unusual. By noting both
the visible and invisible security features on the check,
your business communicates to the bank not only an intent
to secure your checks from forgery, but also, the means by
which bank personnel can detect forgeries. A good secured
document strategy should include notifying your bank about
your hidden features in a confidential manner. While no combination
is 100% effective to stop a determined forger, the best strategy
a business can use is a combination of security features and
policies which include: periodically alternating or changing
elements used on secured documents, employing extremely careful
procedures when storing and disposing of checks and regularly
communicating with your bank.
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