Why not banks start taking thumb impressions on cheques ?

At this electronic revolution era,this is best idea to know the identity. As a matter of fact, the ATM facility has introduced this finger print identity.

IF THAT IS THE CASE, A PERSON HAS TO CARRY STAMP PAD ALONG WITH PEN. AND SIZE OF CHEQUE SHOULD BE LIKE SMALL NOTE BOOK PAGE.

CANT IMAGINING ALL INDIVIDUAL, DIRECTORS AND SIGNING AUTHORITIES OF CHEQUES WILL HAVE BLUE AND BLACK THUMBS EVERY DAY.

Sam,if peopele are made understood the benefit of thumb marking cheques in place of signing,they may get conviced an start thumb -marking. Pens can be used for inking thumbs and ink remover for removing inks or a single device that inks and dis-inks thumbs.Remember necessity is the mother of invention.

And there is no need for bigger cheques,thumb -marks do not need bigger space than signs.

if so every banker should scan the cheques.

It is a great job but crime reduction method

1.  Everything can be copied,  including  "Thumb Impressions".
 

2.  Even humans & animals have been copied (cloned).

WHAT ABOUT THIS :  (heee...heee...    )

a)  The bank should take DNA samples (as specimen)  of their clients on their records, when opening of a bank account.
 

b)  When ever a cheque  is issued, the drawer should supply a drop of blood too with the cheque.
 

c)  The bank would have the blood DNA  checked with the specimen sample, from their in-house forensic dept. and then only clear the cheque.
 

d)  However what happens if the drawer happens to donate his blood and the blood falls into wrong hands.  One unit of blood full of DNA signatures will be sufficient to wipe out each bank account, his demat account and make him insolvent.

Please let the signature remain, in as it is condition,  since the fraudesters and forgerers too have families.

BTW, most banks worldwide have banking transactions computerised and access'able, via internet,  which is "literally" 100% safe.  AS IT IS, NOTHING IN THIS WORLD IS 100% SAFE.

Keep Smiling .... Hemant Agarwal

considering the safety aspect,introduction of thumb impression is a good suggestion.

atleast for very large amount transaction,it could be insisted.

unless electronic clearing is introduced in all the centres,the suggestion is not practicable now.
 

Dear Madhu,

Its not practicable to take thumb impressions on cheques or any other instruments. This will not only increase the work of bank, but for the customers too it will be very very inconvenient.

Maybe, in coming years with developed technology,  some other method of identification may come up which maybe more convenient than putting signatures. Lets hope so.

S C DANEJ

Dear SC Danej,

Until we have some other better way with the advent of new technology I still feel that it is better to start using thumb marks as well as signs on cheques and other important docs after all we are doing all this while executing property documents.When so much is at stake why not tolerate some inconvenience.

Hemant--nothing to do Hee Hee.

And do you think that copying signs and cloning is the one and same thing.Have you seen some street smarts in India who succeeded in making clones of animals.

Have you ever heard any news that someone faked thumb-impressions of some one else and succeeded in doing cheating the system ?

Even if I accept just for a while that thumb -marks can be copied then I would suggest signs and thumb -marks both on cheques etc.The whole reasoning is to make it difficult for the cheaters job.

And yes in future the DNA things may be used but right now the best option which can save us from cheaters is the one which I am suggesting.Though may seem little a bit inconvenient to some but when the benefits explained many may appreciate the system also.

I agree with Mahendra Kumar, for big amounts, bank can implement this methodology

for  "Madhu"  alias "tusharcosmic"  :

Personally, I think that  taking mandatory (or even alternatively)  "thumb impressions"  on cheque is a very very childish and hare-brained idea  and "NEITHER IT IS A NEW IDEA" ,  as you are excitedly hallucinating.

SADLY, You are not aware that scores of Banks (specially in rural areas),  where the cheque holder is illiterate,  the banks are  "ALREADY"   adopting the  "thumb impressions"  of the bank account holders.

FURTHER,  even today under the Banking Procedures,  you have the option of either putting & registering  your signatures and/or your thumb impression with the bank as specimen signatures/impressions.  SO WHAT ARE YOU HARPING ON AS YOUR NEW IDEA.

Further, SADLY, AS YOU ARE NOT A LAWYER,  you are not aware that reading of a  "thumb impression" is a highly specialised technical work, which is specialised only by "finger print experts"  and under the law only such qualified forensic "finger print experts" can certifiy the genuineness of the "Thumb impressions".

FURTHER,  IF YOU DO NOT KNOW HOW TO  REPLICATE OR DUPLICATE A  "THUMB IMPRESSION"        
THEN DO YOU THINK    
THAT OTHERS TOO DO NOT KNOW THE TECHNIQUE TO COPY A  "THUMB IMPRESSION",  WHICH IS REALLY VERY VERY SIMPLE.

Keep Smiling .... Hemant Agarwal

Hemant,Frist understand that adding emotions unecessarily in whatsoever you express only prove that you are writing out of some emotions not out of rationality

Examples--Hee Hee,hallucinating,harping on as your new idea,sadly.Why getting so much emotional,why not be more rational .

Now the discussion---It makes but not much difference what you think childish or non-childish,just look above atleast half of the respondents have supported my idea this way or that way.

Of course banks are opening up the accounts of the illitrate people with their thumb impressions but they are not issuing cheque books to such people in general.And even if some of them may be issuing cheque books to customers who can not sign and who would put only thumb-impressions ,mine idea is a different one,because I am talking of an idea that even the cheque of highly edcated ones should not be cleared without thuimb impression,better if we get signs and thumb impressions both.

The purpose is  only to decrease the cheque frauds ultimately.

Further there is nothing to be sad that I am not a lawyer,and perhaps you do not  that forensic expertise and law are two quite different fields and it is not necessary that a lawyer is an expert in forensic also and it also does not mean that one who is not a lawyer can not understand forensic if he wants.And it is very easy to differntiate two thumb impressions-- only a good eyesight is needed .I feel that differentiating thumb impressions is far easier that differentiating signs.

Now again the same question if replicating a thumb impression would have been so easy there would have been many fraud news regarding this matter or why not you yourself tell me some so EASY methods of replicating thumb impressions?

I AM NOT OF A HERD MENTALITY,  to further support your childish idea.  People may support depending on their capacity & capabillity.

FURTHER,  IF YOU DO NOT KNOW HOW TO  REPLICATE OR DUPLICATE A  "THUMB IMPRESSION"        
THEN DO YOU THINK    
THAT OTHERS TOO DO NOT KNOW THE TECHNIQUE TO COPY A  "THUMB IMPRESSION".

All these replication & duplication technical  methods of "Thumb Impressions" are not meant for childrens and neither these techniques are meant to be discussed on a open forum like LCI. 

Try the Banks or find out a forgerer ,  WHO MIGHT EXPLAIN THE DUPLICATING TECHNIQUES,  and on the way you might also learn the duplicating technique of forged bank notes.

Keep Smiling .... Hemant Agarwal