ANSI X9/TG-8 : 2002
Superseded
A superseded Standard is one, which is fully replaced by another Standard, which is a new edition of the same Standard.
A superseded Standard is one, which is fully replaced by another Standard, which is a new edition of the same Standard.
CHECK SECURITY GUIDELINE
10-05-2010
12-01-2013
FOREWORD
TABLE OF CONTENTS
1 INTRODUCTION
1.1 PURPOSE AND SCOPE
1.2 REFERENCES
2 LIFE CYCLE OF A CHECK
3 CHECK PRINTERS AND CHECK STOCK RETAILERS
3.1 CHECK PRINTERS
3.2 CHECK STOCK RETAILERS
4 CHECKS, DRAFTS AND MONEY ORDERS
4.1 BANK DRAFTS
4.2 CASHIER'S CHECKS AND OFFICIAL CHECKS
4.3 CERTIFIED CHECKS
4.4 DEMAND DRAFTS
4.5 MONEY ORDERS
4.6 PAYABLE-THROUGH-DRAFTS
4.7 TRAVELER'S CHECKS
4.8 TREASURY CHECKS
4.9 WARRANTS
4.10 PRE-AUTHORIZED DRAFTS
5 TYPES OF CHECK FRAUD
5.1 ALTERATION
5.2 FORGERY
5.3 COUNTERFEIT
5.4 "BAD" CHECKS
5.5 CHECK KITING
5.6 PRE-AUTHORIZED DRAFTS
6 MANUAL DETECTION
6.1 ALTERATION DETECTION
6.2 FORGERY DETECTION
6.3 COUNTERFEIT DETECTION
6.4 CHARACTERISTICS AND DETECTION OF CHECK KITING
7 PHYSICAL CHECK SECURITY FEATURES
7.1 PROTECTION TECHNIQUES
7.2 PAPER FEATURES
7.3 DESIGN FEATURES
7.4 PRINTING FEATURES
7.5 REACTIVE INKS
7.6 OTHER FEATURES
7.7 ALTERED OR COUNTERFEITED FEATURE APPEARANCE
7.8 SECURITY FEATURE MATRIX SUMMARY
8 CUSTOMER
8.1 CUSTOMER SECURITY PROCEDURES
8.2 CUSTOMER (AS CHECK PRINTER) SECURITY PROCEDURES
9 PAYEE
9.1 ACCEPTING CHECKS AS PAYMENT
10 FINANCIAL INSTITUTIONS
10.1 FINANCIAL INSTITUTIONS
10.2 COLLECTING BANK
10.3 PAYOR BANK
10.4 ACCESS
10.5 NEW ACCOUNTS
10.6 CHECK PRINTERS
10.7 TRASH
10.8 CHARGE CARD CHECKS
10.9 SIGNATURE VERIFICATION
11 LOSS REPORTING CATEGORIES
11.1 CHECK RELATED LOSS CATEGORIES
12 LAW ENFORCEMENT
12.1 ISSUING
12.2 PROCESSING
13 EDUCATION
13.1 ACCESS
13.2 PREVENTION AND DETECTION
14 IN-STORE BANKING
15 ON-LINE BANKING
15.1 ATMS
15.2 INTERNET WEB SITES
APPENDIX A
APPENDIX B
APPENDIX C
APPENDIX D
APPENDIX E
APPENDIX F
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