Dark print, pinhole, dot ink.
These three are the most secret verification methods.
All require specific tools or potions to appear.
It is impossible to publish these.
PS: These three are reflected in the Qing Dynasty’s banknotes.
"Do you have any questions about the anti-counterfeiting of money orders?"
"Master Bi, can this kind of money order be circulated among the people? I mean, can it be freely traded like the Jiaozi of the Song Dynasty and the treasure banknotes of the Ming Dynasty?"
As soon as this question came out, everyone's eyes immediately focused on Bi Ziyan, and their breathing quickened slightly.
If it can be traded, it will be even more powerful for them.
"Theoretically it's not possible!"
Listening to Bi Ziyan's reply, everyone's lips twitched.
Chinese language art is particularly exquisite. For example, Bi Ziyan's reply is theoretically impossible, but in fact it is possible.
But whether it is possible or not has to be confirmed by Bi Ziyan himself.
So someone had the courage to ask: "Mr. Bi, I'm sorry for being rude. My colleagues, please give me accurate information on whether the money order can be traded. This is related to the convenience of our future business."
"This is the circulation of bills of exchange that I will talk about next."
Bi Ziyan paused for a moment: "The Royal Commercial Bank of the Ming Dynasty has formulated a series of systems for the circulation of bills of exchange.
Such as 'guarantee delivery' and 'face-to-face guarantee', 'immediate payment on sight' provisions, bill loss report and bill quantity, 'bill burning' system after redemption, etc. "
“The so-called delivery for security and delivery in person are real-name in nature. At the request of the customer, the bank must ensure that the remittance is not lost. The bill number is stamped with the stamp of delivery for security or payment for security in person.
For remittances to be delivered for security purposes, you must go to the bank in person and bring documents proving your identity;
Asking for a guarantor face-to-face requires you to find a guarantor only when the person who withdraws the money is unfamiliar. In fact, it is equivalent to asking for a guarantor to guarantee the money. If something goes wrong, the guarantor will be responsible.
This type cannot be traded privately, because it is troublesome to find a guarantor. It is better to exchange the cash at the bank, and then the other party will count it and then deposit it in the bank. "
"Doesn't that mean that the same amount of money will be charged every time it comes in and out?"
"That's natural. If the money order is exchanged, it will be invalid. Naturally, it will be counted as another transaction, even if there is only a few interest intervals in between!"
Seeing everyone's incredulous looks, Bi Ziyan continued to explain: "You only see such a simple thing as taking money, but there are many things behind it.
For example, verifying the authenticity of bills, counting money, registering and making books, sending them back to the head office for filing and making books, etc. Whether you are entering or leaving, you will go through this series of processes, and they all require extremely professional people to do it.
This all requires wages, right? If you can't make money, how can you maintain it?
You are all businessmen, so you will definitely not do business at a loss! "
Everyone nodded subconsciously.
The storage fee is not high. Compared with the time, energy and risks involved in long-distance transportation, the storage fee is almost negligible.
Even if there is peace in the Ming Dynasty and there are no bandits or bandits, will the boat capsize if we take the canal? Will my car tip over while walking on a mountain trail?
As long as it happens once, the loss will be much higher than the bank's custody fee.
"Now that we've talked about the first two, let's talk about the third, instant redemption at the meeting."
"Cash upon meeting is a bearer bill. The bank does not care who holds the bill, as long as it is verified correctly, it will be cashed immediately.
For this kind of thing, it can naturally be traded. For example, you merchants can lend money to each other, pay for goods, etc., all of which are possible.
Although it is convenient, the risk will be greater, because once you lose it, be picked up by someone else, or stolen, you can exchange it at any time.
At that time, the loss will be yours alone, and it has nothing to do with the bank. You should measure this yourself! "
"Mr. Bi, you are overly worried about this. Generally, when you go out, you only need a few taels or dozens of taels of silver in cash. Who would take a money order with hundreds or even thousands of taels of silver when they go out?
Those who bring such large money orders must be involved in transactions, and they will be accompanied by someone to keep them safe. In this case, if they are stolen, there is nothing that can be done. "
Listening to the merchant's rebuttal, Bi Ziyan smiled coldly: "Even if it is as you said, can you yourself identify the authenticity of the money order?
If Zhao and Chen do business, they use a money order, and Zhao gives a fake one to Chen. A month later, Chen goes to the bank to exchange it and finds that it is a fake. Who is responsible for this?
How did Chen prove that this fake money order was given by Zhao?
The Law of the Ming Dynasty talks about who reports and who provides evidence. If you can't find evidence, you can't prove that Zhao is cheating.
In this case, the court will naturally investigate to the end, but when it is found out, Zhao has squandered all the money. When you are insolvent, you can only accept the loss by yourself.
I said this, can you understand? "
Everyone was silent, Bi Ziyan was telling the truth.
Even though they know many ways to verify the authenticity of money orders, they still cannot guarantee that they can accurately identify the authenticity of each bill.
If one of the checks is wrong, the loss will be huge.
After saying this, Bi Ziyan paused for a moment and said in a more relaxed tone: "Of course, we still have some preventive measures for problems such as loss and theft.
For example, the money order loss reporting system I just mentioned. If your money order is lost, there are two ways to report the loss. One is to report the loss directly to the bank;
But you have to provide the relevant security deposit on the money order to prove that the money order is yours.
But this kind of thing is not very useful, because once you lose it, the local people will not be stupid enough to go to the local bank to withdraw money if you find it. A county is only big enough, and there are so many comings and goings, so it is easy to be recognized.
But if he went to another place, he would need a guide, which would be easier to trace.
The key problem is that if he has other means to circumvent the road card, etc., and you report the loss at the local bank, it will take a lot of time for the local bank to send the information to the states, counties, and even the whole country, and there is no guarantee that it will be retrieved during this period. gone.
Finally, whether it is taken away or not, you have to pay a large amount of money as service fee.
Because this is your own problem, not the fault of the bank, and you are the only one to bear the loss.
I think there shouldn’t be much controversy about this! "
Everyone nodded.
They all advise you not to trade privately. If you insist on trading directly, who can you blame if you lose it?
"Bi Shangshu, since this one is of little use, can the second one avoid this situation?"
Bi Ziyan shook his head gently and said solemnly: "Not necessarily!"
