Till biometric systems are introduced combination of three things can be done at a time: cheque books with difference to be issued to VI, thumb impressions and seals with serial numbers to be used at a time while issuing cheques. seals if stolen they can be replaced with another serial number. regards, rajesh. ----- Original Message ----- From: "phani srikanth" <[EMAIL PROTECTED]> To: "Ashwani" <[EMAIL PROTECTED]>; <[email protected]> Sent: Sunday, July 06, 2008 8:55 PM Subject: Re: [AI] Bank Guidelines
> hi, as i openianed earlier security is the hole responsibility of a > blind person. when we are asking for all fascilities it is our > responsibility to look that they are not misused. even in the case of > debit or credit cards if we know the CVV number which is on the back > of all cards and date of expiry and name of the card holder which are > printed on the card itself, we can make any number of transactions > online over any murchant websights. except for some visa varification > cards and cards of city bank no bank in india does not ask for any pin > number for making transactions online. in the same way seels too. it > is our hole responsibility to see that they are properly stored. just > as we give instructions for card blocking, we can give seel blocking > instructions as they will be provided by banks only with unique codes > in case they are stolen. > by any way bio-metric system is always good, but as all of we know it > takes longer time to get them installed across all parts of our > country may be years for banking system to implement it across each > and every corner. > > > my intentions are not to criticise any one here, but i am sharing my > openian. > srikanth > > On 7/7/08, Ashwani <[EMAIL PROTECTED]> wrote: >> Hi friends >> As I suggested earlier Biometric system is the best thing. We should >> strongly place this suggestion in front of Bank as well as IBA. >> ----- Original Message ----- >> From: "Pamnani" <[EMAIL PROTECTED]> >> To: <[email protected]> >> Sent: Saturday, July 05, 2008 1:25 AM >> Subject: Re: [AI] Bank Guidelines >> >> >>> The problem at present is not of whether a phone call is too much for us >>> or >>> not but of our security. >>> As Harish suggested I am not putting the phone call into the guidelines >>> but >>> leaving it as it is. >>> The only question is should we suggest that our cheques should be >>> attested >>> or not. If not we can leave it until the IBA suggests it and then >>> discuss >>> it. If the IBA does not suggest anything then we can insist that the >>> Banks >>> must expedite for Biometric verification. >>> >>> Kanchan Pamnani >>> Advocate & Solicitor >>> 9, Suleman Chambers, >>> Battery Street, Colaba, >>> Mumbai - 400 039. >>> >>> >>> >>> ----- Original Message ----- >>> From: "Ketan Kothari" <[EMAIL PROTECTED]> >>> To: <[email protected]> >>> Sent: Saturday, July 05, 2008 11:35 AM >>> Subject: Re: [AI] Bank Guidelines >>> >>> >>>> Though this sounds practical and salutary, knowing the tendencies of >>>> the >>>> bank officials, they may not want to accept the new phone verification. >>>> Also, it may not be possible for us to answer the phone all the time >>>> and >>>> thus may lead to delay. >>>> ----- Original Message ----- >>>> From: "Harish Kotian" <[EMAIL PROTECTED]> >>>> To: <[email protected]> >>>> Sent: Friday, July 04, 2008 10:10 PM >>>> Subject: Re: [AI] Bank Guidelines >>>> >>>> >>>>> Hi Rajesh >>>>> >>>>> This will be like signing all the cheque leaves and expecting the >>>>> blind >>>>> person to take care of it. Would any able bodied person accept such a >>>>> situation? This will certainly be unacceptable. Besides, it won't give >>>>> any >>>>> security to the banks as the blind customer is forced into a situation >>>>> which is intrensically liable for cheating. This would be a very bad >>>>> guidelines. >>>>> >>>>> A more sensible approach which will provide both security and comfort >>>>> both >>>>> to the customer and the blind is that the bank may seek confirmation >>>>> by >>>>> phone whenever they have doubt about the genuineness of the signature >>>>> on >>>>> the instrument. >>>>> >>>>> If the customer has high volume of cheque use then the banker knows >>>>> the >>>>> patterns of change of signature and can use the phone option when in >>>>> need. >>>>> If the volume is low, anyway it should not be a big financial drain. >>>>> >>>>> This can be a prudent practise and this should not go as guidelines. >>>>> Now >>>>> a >>>>> days insisting of carrying a phone is not a big deal. >>>>> >>>>> I understand, Some banks are already exercising this option. >>>>> >>>>> So, in the guidelines, we can leave it to the banks to draw their own >>>>> safeguards. >>>>> >>>>> This could be one option, there could be more and we can keep room for >>>>> it. >>>>> >>>>> Harish. >>>>> >>>>> ----- Original Message ----- >>>>> From: "Rajesh Asudani" <[EMAIL PROTECTED]> >>>>> To: <[email protected]> >>>>> Sent: Friday, July 04, 2008 5:57 PM >>>>> Subject: Re: [AI] Bank Guidelines >>>>> >>>>> >>>>>> Worries in attestation clause are two: >>>>>> >>>>>> 1. risk of theft and misuse; >>>>>> >>>>>> It can be easily tackled by safe custody which is the responsibility >>>>>> of >>>>>> customer anyway when it comes to credit card etc. and issuing stop >>>>>> payment instruction immediately upon such an occurrence. >>>>>> >>>>>> It should be weighed against forgery which would be prevented >>>>>> effectively >>>>>> by attestation clause and ease in passing cheques by bank officials >>>>>> without leniency etc. >>>>>> >>>>>> 2. Something enterim becoming permanent in India. >>>>>> >>>>>> Well, it is the fault of system, and biometric technology may take >>>>>> much >>>>>> longer to be universally installed and used than is being envisaged >>>>>> here. >>>>>> And, even if a beneficial measure is firmly entrenched, we may >>>>>> gradually >>>>>> drag it out in favor of ease of other technology which will be >>>>>> eventually >>>>>> realized by one and all. Many detrimental practices have gained firm >>>>>> ground in indian system, many enterim measures like reservations for >>>>>> Certain casts have become "basic structure" of polity, so to say! So >>>>>> even >>>>>> if attestation becomes firmly rooted, at least it is not going to >>>>>> harm >>>>>> us. I am sure biometric technology would eventually phase it out. >>>>>> >>>>>> To sum up, twin advantages of preventing forgery by combating >>>>>> inconsistency of signature and relieving bankers of unnecessary >>>>>> anxiety >>>>>> about accounts of VI, do outway harms of possible theft and >>>>>> permanence >>>>>> of >>>>>> practice which may be forestalled by stop payment instructions in >>>>>> first >>>>>> case and enlightened petitions in later. Forgery on one hand is >>>>>> clearly >>>>>> liability of bankers from which they endeavor to save their skin and >>>>>> largely undetectable unless it has already caused damage, unlike >>>>>> theft >>>>>> which comes to notice of owner easily and with preventable damage. >>>>>> >>>>>> Rest I leave to you all, but please do not misinterpret me or assume >>>>>> that >>>>>> I merely write for semantic jugglery and merit only the slightest >>>>>> consideration, if at all!!! >>>>>> >>>>>> I am, at present unaware of any other objections to my suggestion as >>>>>> those having them have chosen not to enlighten me about them, if put >>>>>> publicly on this list or mailed to me in private, I will be in a >>>>>> position >>>>>> to endeavor to answer them only when the stipulated time would have >>>>>> expired, as I am leaving for weekend. >>>>>> >>>>>> Rajesh >>>>>> >>>>>> -----Original Message----- >>>>>> From: [EMAIL PROTECTED] >>>>>> [mailto:[EMAIL PROTECTED] On Behalf Of Pamnani >>>>>> Sent: Friday, July 04, 2008 4:37 PM >>>>>> To: [email protected] >>>>>> Subject: [AI] Bank Guidelines >>>>>> >>>>>> Hi Friends, I have incorporated most of the suggestions. There is one >>>>>> issue on which I want some brain storming. >>>>>> This is regarding cheques issued by the visually impaired. >>>>>> In the general guidelines I have suggested that banks should >>>>>> introduce >>>>>> biometric verification or seals etc. >>>>>> >>>>>> Now to be honest most banks dont have a system to verify at present >>>>>> and >>>>>> cannot do so for atleast 6 months. >>>>>> So what do we do in the interim for cheques which have thumb >>>>>> impression >>>>>> and for cheques on which signature does not tally. I had said there >>>>>> should be some leniency during verification. >>>>>> >>>>>> I have received a suggestion from one member that banks should be >>>>>> asked >>>>>> to attest our signature or thumb impression when they give us our >>>>>> cheque >>>>>> book. So the empty chequeswith only our signature and the attestation >>>>>> will be lying with us. >>>>>> The worry is that we can lose the cheque book and that someone can >>>>>> fill >>>>>> up details and withdraw from our account. >>>>>> The other problem is that our cheques look different and that all >>>>>> banks >>>>>> would insist on it. >>>>>> If we do think of attestation then it will be as an interim measure >>>>>> until >>>>>> biometric. You all know in India to get this attestation out of the >>>>>> system it will take 5 yearts and something which is interim will >>>>>> become >>>>>> permant. >>>>>> >>>>>> So should I put in this attestation clause or leave it now and let >>>>>> the >>>>>> IBA suggest it if necessary and deal with it then? >>>>>> >>>>>> Need feedback by 9.30 am Monday morning. >>>>>> Come on lets start the debate. >>>>>> Kanchan >>>>>> Kanchan Pamnani >>>>>> Advocate & Solicitor >>>>>> 9, Suleman Chambers, >>>>>> Battery Street, Colaba, >>>>>> Mumbai - 400 039. >>>>>> >>>>>> >>>>>> 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 >>>>>> >>>>>> Notice: The information contained in this e-mail >>>>>> message and/or attachments to it may contain >>>>>> confidential or privileged information. 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Thank you >>>>>> >>>>>> 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] >>>> 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] >> 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 > > __________ NOD32 3114 (20080520) Information __________ > > This message was checked by NOD32 antivirus system. > http://www.eset.com > > Join Access India convention: For updates on it visit: http://accessindia.org.in/harish/convention.htm Registration is now open! 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