There are three ways to identify bills: feel, visual inspection, and equipment.

Anti-counterfeiting elements include: paper, ground texture, watermark, secret mark, red waterline, fluorescent fiber, rainbow printing, anti-alteration, microtext, seal, secret imprint, number pressing, etc.

The first step: feel identification:

1. Touch the money order number area to see if there is a concave and convex feeling. The fake money order has no concave and convex feeling.

2. Shake the bill by hand to see if it makes a crisp sound. The fake bill makes a muddy sound.

Step 2: Visual identification:

1. Observe the light to see if there are full-page flowers and the black and white watermark pattern of Chinese Pinyin "HP".

2. Compare whether the printing on the paper is clear.

3. Observe with the naked eye whether there are colored fibers in the paper.

4. Whether the bank draft uses a combined special number.

5. Whether the numbers are uniformly printed with brown penetrating ink, which is brown-black on the front of the paper and has a red penetrating effect on the back.

6. Whether the shading pattern is printed with rainbow, whether the pattern is composed of different colors, and whether the different colors transition continuously, very naturally, without obvious boundaries.

7. Whether the bank draft is printed by the following four printing plants, Shanghai Securities Printing Plant, Baoding 542 Printing Plant, or Baoding Securities Printing Plant, Xi'an Banknote Printing Plant Securities Branch or Xi'an Xi'an Banknote Securities Printing Co., Ltd., Tianjin People's Printing Factory.

The third step is to use a UV lamp identification device for identification:

1. Whether the ICBC emblem pattern fluoresces orange-red under a UV lamp. The emblems of other rows secretly indicate whether they fluoresce yellow-green under ultraviolet light.

2. Whether the "ICBC" mark on the bank acceptance bill (ICBC) between the name of the bank acceptance bill and the voucher number fluoresces yellow-green.

3. Whether the red water line in the RMB capital amount column has a weak red light reaction under ultraviolet light, and whether the red water line changes after being altered.

4. Whether the colorless fluorescent fiber on the front and back of the money order paper has a fluorescent reaction under ultraviolet light, and whether the colored fluorescent fiber has no fluorescent reaction under ultraviolet light.

The fourth step is to use the same amplifier to identify:

It is whether the dotted line under the name of the commercial bill is composed of the Chinese Pinyin "HUIPIAO" microtext from left to right.

Extended information:

The method of identifying bank acceptance bills can be divided into two major aspects. The first aspect is to identify the true validity of the bill, and the second is to trace the bill. The details of the claim issue are as follows:

The first aspect: Identify the authenticity and validity of the bank acceptance bill

A. First, confirm the true legality of the bank acceptance bill based on the sense of sight:

a. Bank acceptance bills must be approved by the Head Office of the People's Bank of China, and must be recorded and printed uniformly.

b. The word "money order" must be marked.

c. The bill of exchange must indicate an unconditional payment mandate.

d. The bank name and bank number of the bank where the receiving and paying unit holds an account must be complete.

e. The uppercase and lowercase amounts of the money order must be consistent.

f. The issuance and expiry dates of the bill must be capitalized dates that comply with the "Payment and Settlement Measures" (the time difference between the issuance date and the expiration date is up to 6 months, and must not exceed 6 months).

g. Whether the signature and seal (official seal and private seal) of the accepting bank are authentic, complete and clear, that is, the special seal required by the bank and the signature and seal of the legal representative or authorized handler (except for the Agricultural Bank of China's steel seal). Except, other lines are ordinary money order special stamps).

h. Whether the signature of the drawer, that is, the official seal or special financial seal of the customer, and the signature of the legal representative or authorized person are true, complete and clear (the official seal is the full name of the drawer) .

i. Whether the endorsements are continuous, and whether the name of the company to be transferred and endorsed are completely consistent with the official seal (the date of year, month, and day on the front, and the year, month, and day on the back cannot be earlier than the date of issuance of the ticket, fill in the endorsement Carbon ink must be used, and the handwriting must be neat. The official seal or corporate seal cannot be stamped on the outside, but the line can be pressed). When a bill of exchange is transferred by endorsement or the rights stipulated in the bill are granted to another person for exercise by endorsement, the name of the endorsee must be recorded.

j. Endorsement refers to the act of recording relevant matters on the back of the bill or on the sticky note and signing the bill.

k. Sticky slips are bill vouchers that cannot meet the needs of the endorser to record matters. Sticky slips can be attached to the bill and voucher. Each sticky slip endorser has three hands.

l. The amount, date, and name of the payee cannot be changed, and the changes are invalid. If the other three items are changed, they must be signed and sealed by the original recorder.

m. Bills of exchange marked with the words "not transferable" or "pledge" will not be accepted.

n. Whether the bill of exchange with limited transfer area is within the transfer area.

o. Is the money order number a published stolen money order, a public money order or other illegal money order (collect public notice information from the court)?

p. Part of the money order amount will not be accepted. An endorsement of transfer or an endorsement of transferring the amount of the bill to two or more persons respectively.

q. If the endorser writes "entrusted collection" on the back of the bank acceptance bill, and the endorsee transfers it, it cannot be accepted.

r. In the endorsement transfer, the endorsee is an individual and cannot be accepted.

s. If the drawer issues money to the payee and the payee gives it back to the drawer, it is a kind of financing fraud and cannot be collected in principle.

Second aspect, exercising the right of recourse on a bill

Recourse means that the holder of a bill requests the payee to accept or pay him in accordance with the provisions of the Negotiable Instruments Law but is refused. The action by the predecessors (drawer, endorser, guarantor, acceptor and other debtors of the instrument) to demand repayment of the amount of the instrument, interest and related fees.

B. Prerequisites for exercising the right of recourse

a. The right of recourse must be exercised within the time limit specified in the Negotiable Instruments Law, and can only be exercised after obtaining a certificate of refusal.

b. If a commercial acceptance bill is refused acceptance or payment is refused when due, the holder may exercise the right of recourse.

c. Before the maturity date of the bill, the holder may also exercise the right of recourse if any of the following circumstances occurs: the bill is refused acceptance; the acceptor or payee dies or escapes; the acceptor or The payer has been declared bankrupt in accordance with the law or ordered to terminate business activities due to violation of laws.

C. Exercising the right of recourse

a. When exercising the right of recourse, the holder shall provide relevant proof of refusal of acceptance or refusal of payment. If the holder's presentation for acceptance or payment is rejected, the acceptor or payer must issue a certificate of rejection or a letter of reasons for refund. Those who fail to issue a certificate of refusal or a letter of reason for refund shall bear the civil liability arising therefrom.

e. The holder may exercise the right of recourse against any one, several or all of the debtors without following the order of the debtors. If the holder has made recourse against one or more of the note debtors, he may still exercise the right of recourse against the other note debtors. After the person being pursued has paid off his debt, he shall have the same rights as the note holder.

f. When the pursuer who exercises the right of recourse is repaid, or when the person being pursued who exercises the right of re-recourse is repaid, he shall hand over the bill and relevant proof of refusal, and issue the interest received and receipts of expenses.

Reference material: China’s Anti-Infringement and Counterfeiting Network-Knowledge Conference on Identifying True and False Bank Acceptance Bills