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This invention relates to a solution for detecting counterfeit paper currency. The solution contains iodine at a concentration of from 0.005 to 3 grams/liter and one or more solvents selected from the groups consisting of: alcohols, ketones, polyalcohols, esters, ethers, or mixtures thereof of solvents belonging to the same group or to several groups of these solvents. The solvent, if miscible with water, contains distilled water in a ratio of from 99:1 to 1:99 parts by volume. If not miscible in water, the solvent is saturated with distilled water at a temperature of 20° C. The solution is preferably contained in ballpoint pens, fountain pens or other similar dispensers which are then used to countersign the paper currency. A counterfeit currency will cause a visible line to appear on the currency, in about one minute. However, in the case of genuine paper currency, the drawn line of solution does not change color and disappears completely from the countersigned currency.
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What is credit card cloning? How does it work?
Card cloning is essentially the duplication of a card through the physical or digital copying of the information from the original card onto a new card, effectively producing an identical card that can perform all the functions of the original card.
The associated bank account can then be accessed with the illegal card to make purchases or withdrawals.
The two most common credit card fraud methods are card cloning and skimming.
How cloning happens
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A skimmer is an electronic device that can be concealed within a legitimate card reader, usually without the merchant’s knowledge. When a card user transacts using the card at the payment terminal, the skimmer reads and copies the information on the card’s magnetic strip.
Skimmers are often found in ATMs, restaurants, service stations, and any other place where a card might be used to complete transactions. Skimmers can also include faux keyboards or covert cameras to record the PIN as it is entered.
Scenario: In a case where an employee is an accomplice, the cashier or waiter, for instance, takes the card from the customer and swipes the card through the POS machine and discreetly through the skimmer. Sometimes the skimmer is embedded into the payment terminal, so there’s no need to do a double swipe. When the card is handed back to the customer, the information captured via the skimmer can be used to duplicate the card.
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Once a skimmer captures the data on the card, cloning happens. The captured data is transferred or copied onto a blank card, or overwritten onto an existing card. The duplicated card can now be used in transactions without the original card being involved.
Skimming and cloning often go hand in hand. An individual can obtain data from an individual with a card skimmer and use it to clone cards, or in turn, sell it to another party with card cloning equipment who writes the data onto another card.
This can easily be achieved with magnetic strip cards, which have a magnetic strip running at the back that stores and transmits analog transaction information. This makes them vulnerable, as they have no encoding protection, and most establishments are phasing them out.
While magnetic stripe cards can easily be copied and cloned, it can be difficult but not impossible with EMV (Europay, Visa, and Mastercard) chip cards since the chips encrypt the data stored on them. Information on a chip can still be copied by inserting a paper-thin device into the card reader, a process called shimming, and then working to decrypt the data. A shimmer has the same working concept as a skimmer but is used for cards with EMV chips. This information can even be transferred to magnetic strip cards, thus cloning the card while bypassing the security features of an EMV chip card.
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Our banknotes are printed on 80% cotton and 20% cellulose paper which differs substantially from normal paper. By using a special printing technique, several picture elements on the front of the banknote are identifiable by touch. The guidelines on detecting counterfeit currency give a comparison of genuine and falsified security features. – Our bills/notes bypass everything, counterfeit pens, and machines. – Can be used in banks but can be used elsewhere same as normal money.