Hi, It would be nice if eather of the solutions is implimented. It would be even better if an option is given to chose between the 2.
My objective is to provide an alternative option. I list here some of the possible advantages of using a seal or what is also known as a signature stamp as an alternative option to the biometric system. Before I do that, I urge you to read this article: http://rnib.org/xpedio/groups/public/documents/publicwebsite/public_here0604making.hcsp. 1. A seal or a signature stamp is a low-tech solution. As a result, it could be used in rural and semi-urben areas with ease. Banks in these areas do not operate with many computers and the employees are often not computer literate. My suggestion is based on Occam's Razor principle: "All other things being equal, the simplest solution is the best." 2. Decisions are often guided by the availability of resources. Seals or signature stamps do not involve any cost, eather for instaling a software or training employees for the same. 3. This is my personal preference so it may not hold alot of weight. But, generally, I would not like my thumb to be in various shades of black and blue, especially while applying a thumbprint in public places. What about those who are self-emploied? They are required to send alot of checks. I imagine that it is not comfortable constently blackening ones thumb. To conclude, the decision ultimately depends on the IBA. As long as a feasible solution is implimented, the benefits are going to be immense Regards --- On Sun, 7/6/08, Manish Agrawal <[EMAIL PROTECTED]> wrote: > From: Manish Agrawal <[EMAIL PROTECTED]> > Subject: Re: [AI] Bank Guidelines > To: [email protected] > Date: Sunday, July 6, 2008, 11:16 AM > Did some googling to find out what others in the world do > about this. > Affixing seals appears to be the favoured mechanism as per > the following > discussion thread - with people from the US, Japan, China > etc.: > http://www.washington.edu/doit/Newsletters/May06/16.html > > Pasting below for people who have difficulty following the > above link (BTW, > the below text doesn't look properly formatted on my > machine...but this is > the best I could get): > The Thread—Making Your Mark > ------------------------------ > > by Sheryl Burgstahler > <http://staff.washington.edu/sherylb/>, DO-IT > Director > > > A DO-IT Mentor recently posed the following question within > our Internet > discussion forum. I will share with you some of the > responses so that you > can get the flavor of the many rich and informative > conversations in our > DO-IT community. > > *How do people, who physically have difficulty in using a > pen, write their > signatures when they pay by check or credit card? Are there > any useful > implements or alternative ways for them to do this?* > > *DO-IT Mentor:* Using a debit card is one alternative. > However, writing a > signature is still frequently asked for. I am not sure if > we can escape from > it completely. However, in my country, Japan, signatures > are not common. > > We use seals (stamps) instead. People who cannot write > usually ask somebody > else to stamp their seal for them and the result is the > same whomever does > it. Keeping their own seal is a good proof. > > I personally hope that writing signatures will become much > simpler using > technology so that in the near future people can do this > independently. > Electronic money has been a big theme in recent years, with > the big question > being "how does one keep personal information > secure?" Can I ask how this > signature challenge is coped with in the US today? > > *DO-IT Mentor with Cerebral Palsy:* Years ago I > "wrote" my signature on the > computer using CorelDRAW™ and my trackball, and then I > had a stamp made of > it. Maybe 5% of the time people question the legality of > it, but I have not > had too much trouble. When I don't have my stamp, I > have someone print my > name and then they sign next to it with the word > "by" followed by his/her > name. > > *DO-IT Mentor who has no functional use of hands:* > Something I should > mention about a signature stamp is that the person using it > should have it > notarized to make it technically legal. > > *'94 DO-IT Scholar with limited functional use of > hands:* Speaking of a > signature stamp, I have one myself, and I love it. One > thing that my bank > asked of me is to give them a copy of the stamped > signature, which is just > for the safety for both me and them. > > *'94 DO-IT Scholar with limited functional use of > hands:* Also I forgot to > mention that my bank only accepted a signature stamp with > my actual > signature. It could not be generated from a computer for > security reasons. > > *'99 DO-IT Scholar with limited functional use of > hands:* I can hold a pen > for writing. It looks like a little child's writing. I > also had a stamp > made, which can usually be done at any US office store. > > *DO-IT Mentor:* I have a friend who is barely able to hold > a pen. He just > signs an "x" where his signature is supposed to > be. As long as store > employees see him do it, he hasn't had any problems. > > *DO-IT Mentor with visual impairment:* One tool that can > help, but is > usually associated with vision loss, is a signature guide. > It helps contain > the signature in the correct position. It comes in paper, > plastic, and metal > and is inexpensive. > > There are also pens that have a fatter and rougher grip. > Examples/sources > include: > http://www.maxiaids.com/ > http://www.disabilitysupplies.co.uk/ > > Also check out sites like > http://www.msnewengland.org/msconnection/summer2002/assist.html > > *'98 Scholar who is blind:* Thanks for describing > signature guides. I was > going to comment on the signature guides but I was unsure > how to describe > them. > > *'95 Scholar who has limited use of hands:* I sort of > have the opposite > problem. I often get the comment that I should get a stamp, > but I am > perfectly capable of signing my own signature. If > businesses had their > counters down at the level they are supposed to be, I > wouldn't have a > problem (or in some cases they don't have a counter at > all, and expect you > to sign in a windowsill with the metal window track right > in the middle > underneath the paper). I find it insulting when someone > suggests I get a > stamp, when the problem is their ridiculously high counters > and not an > "inability" on my part. > > *DO-IT Mentor with Cerebral Palsy:* This reminds me of my > grandfather who > used his Chinese seal back in the 1940's in certain > financial transactions > and to issue certain military orders. He was a general in > the Chinese > Revolution. > > I normally sign my own credit card slips by hand. I try to > make it > consistent, but I don't. I notice that others just > scribble something that > is illegible so it seems to be no big deal nowadays. > However, if you are in > an escrow office to buy or sell a house, you need your > signature to be > readable. > > On the other hand, writing a check is a tad difficult for > me. To solve this, > I use home banking to write checks to my credit card and my > cell phone. I > find this technology very useful. Just the other day, my > friend paid me on a > bet that we made (I won). He authorized a check to be sent > to me via > Internet. I got it in two days. The good thing about this > is that you don't > need to: > > - write a check > - put it in an envelope > - place a 33 cent stamp > - walk to the mailbox and put the flag up > > Also, it is usually free if you have direct deposit. I > recommend electronic > banking to everyone. > > *'01 DO-IT Scholar with little functional use of > hands:* When I write, I > hold a piece of light weight cardboard behind the paper, > check, etc., as a > hard surface. > > *'93 DO-IT Scholar who is blind:* I am able to sign my > name and hold a pen > despite the fact that I am visually impaired. I always get > the checks with > the raised lines. The bottom line on the check acts as a > landmark to help me > know where to sign my name. When signing a form, I carry a > signature card > around with me. The person reading the form to me positions > the card in the > location where the signature is supposed to go. > > *'94 DO-IT Scholar with limited functional use of > hands:* For individuals > who can't produce an actual pen written signature, > would their thumbprint > work on checks and other documents? I would be interested > in knowing if this > can be legally done. > > *DO-IT Mentor with limited functional use of hands:* Well, > I don't know > about thumbprints, but I actually wrote my signature on my > computer using my > trackball. So, even though it was designed on a computer, > it wasn't > generated BY a computer. It's not something others > could reproduce > easily...heck, I can't even reproduce it! > > *'98 DO-IT Scholar who is blind:* Can a blind person do > this? Or is this a > visual thing? > > *DO-IT Mentor with limited functional use of hands:* > Unfortunately, it's > more of a visual thing. > > *DO-IT Mentor with limited functional use of hands:* The > fun part about > having Cerebral Palsy is that all of my signatures are > originals. The bad > part is I can't seem to find an art museum interested > in this fine original > work. :-) > > *'98 Scholar with Cerebral Palsy:* I agree. Everything > affects your writing > each day—your energy level, your spacticity, and the > position of the paper. > Sometimes it's good and sometimes it's bad. > > *'96 Scholar who is blind:* I scanned a copy of my > signature that I wrote on > paper into my computer and had a friend crop the excess > white space off so > it is as small as it can be. I can insert the picture into > documents to sign > things like letters. > > *DO-IT Mentor who originally posted question:* Thank you > very much for the > information from all of you. Very informative! I saw here > the power of the > DO-IT mailing lists. > ------------------------------ > [image: |]Next > Article<http://www.washington.edu/doit/Newsletters/May06/17.html> > [image: > |]Previous > Article<http://www.washington.edu/doit/Newsletters/May06/15.html> > [image: |]May 2006 > <http://www.washington.edu/doit/Newsletters/May06/> > [image: > |]DO-IT NEWS > <http://www.washington.edu/doit/Newsletters/> > [image: |]DO-IT > search <http://www.washington.edu/doit/search.html> > [image: |]DO-IT home > page <http://www.washington.edu/doit/> > ------------------------------ > [image: UW Logo] <http://www.washington.edu/> > DO-IT Contact > Information<http://www.washington.edu/doit/Brochures/contact.html> > Disabilities, Opportunities, Internetworking & > Technology > [EMAIL PROTECTED] > <http://www.washington.edu/doit/Brochures/mailto.html> > Modified: May 18, 2006 > > > On 7/5/08, phani srikanth <[EMAIL PROTECTED]> wrote: > > > > hi, i propose for affixing seels only and in terms of > security it is > > our own responsibility to safe guard them. as we are > already asking > > for debit cards and credit cards we are very well > prepared for risk > > involved with them while they were swiped. in the same > way cheques > > too, we shall take the responsibility for safe > guarding the seels. if > > we leave the guidelines to IBA they will come with > some advorse reply > > in the negative response only. so we cannot give them > such a chance. > > affixing seels preferably on the back of cheques shall > be suggested to > > banks. > > > > On 7/5/08, Roopakshi Pathania > <[EMAIL PROTECTED]> wrote: > > > Hi, > > > > > > In fact, seals were the topic of my proposal in > response to providing > > > possible solutions for signature identification > send to Pamnani ma'am. > > > > > > I think that issuing seals is a good solution. > > > My proposal was some what like this. > > > > > > The banks could issue seals to VI individuals > built along the lines of > > the > > > seals issued by the Government of India to the > gazetted officers by the > > > government of India. These seals must have a > unique number. > > > The seals could be dipped in an ink pad and then > embossed on the check. > > > A VI person can then attest the check by stamping > the seal at a > > particular > > > place, e.g. at the back of the check. > > > The risk attached to a seal is the same as that > with owning a credit/ > > debit > > > card, i.e. one could loose the card as well. If > the seal is lost, the > > person > > > can notify the bank and the use of the seal will > be canceled. The process > > > will be similar to cancelling a debit/ credit > card. > > > The use of a seal could extend to attesting the > receipt produced by > > credit/ > > > debit card machines at public places. > > > > > > Some thing like this was done in Feudal England > for many centuries. The > > > noble men and women also called the feudal lords > stamped their official > > > communications with a seal unique to each family. > The seal was of course > > a > > > picture since not all people were literate. > > > > > > > > > --- On Sat, 7/5/08, Geetha Shamanna > <[EMAIL PROTECTED]> wrote: > > > > > >> From: Geetha Shamanna > <[EMAIL PROTECTED]> > > >> Subject: Re: [AI] Bank Guidelines > > >> To: [email protected] > > >> Date: Saturday, July 5, 2008, 7:59 PM > > >> Seals can be easily misused if stolen. > > >> > > >> > > >> ----- Original Message ----- > > >> From: "Sanjay" > <[EMAIL PROTECTED]> > > >> To: <[email protected]> > > >> Sent: Saturday, July 05, 2008 6:14 PM > > >> Subject: Re: [AI] Bank Guidelines > > >> > > >> > > >> > What about seals? I think, in UK, blind > people can > > >> have their own seals > > >> > for signature purposes. > > >> > > > >> > > > >> > > > >> > Join Access India convention: For > updates on it visit: > > >> > > >> > > http://accessindia.org.in/harish/convention.htm > > >> > > > >> > To unsubscribe send a message to > > >> [EMAIL PROTECTED] > > >> > with the subject unsubscribe. > > >> > > > >> > To change your subscription to digest > mode or make any > > >> other changes, > > >> > please visit the list home page at > > >> > > > >> > > > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > >> > > > >> > > >> > > >> Join Access India convention: For updates on > it visit: > > >> > http://accessindia.org.in/harish/convention.htm > > >> > > >> To unsubscribe send a message to > > >> [EMAIL PROTECTED] with > the subject > > >> unsubscribe. > > >> > > >> To change your subscription to digest mode or > make any > > >> other changes, please visit the list home > page at > > >> > > >> > > > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > > > > > > > > > > > > > Join Access India convention: For updates on it > visit: > > > http://accessindia.org.in/harish/convention.htm > > > > > > To unsubscribe send a message to > [EMAIL PROTECTED] > > > the subject unsubscribe. > > > > > > To change your subscription to digest mode or > make any other changes, > > please > > > visit the list home page at > > > > > > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > > > > > Join Access India convention: For updates on it visit: > > http://accessindia.org.in/harish/convention.htm > > > > To unsubscribe send a message to > [EMAIL PROTECTED] the subject > unsubscribe. > > > > To change your subscription to digest mode or make any > other changes, > > please visit the list home page at > > > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > > > > -- > Regards, > Manish > http://iaccessible.blogspot.com > Join Access India convention: For updates on it visit: > http://accessindia.org.in/harish/convention.htm > > To unsubscribe send a message to > [EMAIL PROTECTED] with the subject > unsubscribe. > > To change your subscription to digest mode or make any > other changes, please visit the list home page at > > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in Join Access India convention: For updates on it visit: http://accessindia.org.in/harish/convention.htm To unsubscribe send a message to [EMAIL PROTECTED] with the subject unsubscribe. 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