chèque sécurisé

17:27 Jun 18, 2014 

Right. Sécurisation is all about preventing *fraud*. See this Banque de France document: http://www.banque-france.fr/uploads/tx_bdfgrandesdates/consu...

The bank on which a cheque is drawn can guarantee the cheque; this is commonly done with a "letter of guarantee" from the bank to the recipient of the cheque.

A service that merely verifies steps along the security chain to prevent fraud is not "guaranteeing" cheques. It is acting on behalf of the payee, not the payor. Even if the payee is made whole in the event of fraud, the service is not guaranteeing the cheque -- it is insuring the payee against fraud. There is a difference.

Nobody guarantees cheques proved to be fraudulent.

14:52 Jun 18, 2014 

Un chèque de banque est ainsi fait:

Pour sécurisé un paiement vous demandez un chèque sur le compte bancaire de la banque (chèque de banque) la provision est retirée du compte du client le même jour.
Le chèque sera payé (honoré) et ne pourra pas être sans provision.

Défaut de la cuirasse, le chèque vous est remis, vous le remettez aussitôt à votre banque, 2 jours minimum qui vous fait un reçu où il est mentionné S.B.F. (sauf bonne fin).

La personne qui vous a remis le chèque pendant ce laps de temps retourne faire opposition au chèque pour "perte ou vol" les deux cas légaux d'opposition d'un chèque, puis fait annuler son ordre.

Le chèque vous revient (S.B.F.) et la banque redébite votre compte.

Vous avez vos deux yeux pour pleurer.

Le chèque peut également être falsifié même s'il est de banque, cela arrive plus souvent qu'on le pense.

Si vous voulez être sûr c'est paiement espèces (billets dans un détecteur) ou virement sur votre compte bancaire et vous donnez le bien ensuite. Un virement ne peut-être retourné qu'au titre de l'indu.

http://droit-finances.commentcamarche.net/forum/affich-44662...

14:52 Jun 18, 2014 

I don't want to steal your glory after you have provided such a clear explanation, so why not suggest something like "guaranteed cheque"?

19:01 Jun 16, 2014 

It's not as circular as all that: what they're really saying is that, if you want to enjoy al the advantages of our service, you do actually have to do it.

This kind of third-party cheque guarantee facility is quite common over here in France — when you want to pay be cheque, they ring through to the 'clearing house', who ask for details of the cheque and the customer, and then (I suppose?) they must have access to the banks' computers, and they say yea or nay, and give an authorisation number, which must be written on the back of the cheques to prove it has indeed been 'secured'. I suppose when the cheques are paid into the bank, they might be treated differently, depending on whether or not they have been guaranteed.

15:21 Jun 16, 2014 

The whole thing seems to be circular, since it says "Points à respecter pour bénéficier du service de sécurisation", and one of these points is "Le chèque doit être sécurisé." This suggests that "sécuriser" has two different meanings.

I also don't fully understand the context. Is XXX the bank issuing the cheques, or a third party? If it's the latter, why would you need an independent cheque guarantee service when a bank can do this for you?

14:18 Jun 16, 2014 

I suspect that it is not as simple as "A/C payee only" which means that the payee cannot demand cash upon presentation of the cheque to his bank, but must pay it into one of his bank accounts.
A "crossed cheque" made out to X (bot not marked A/C payee only) must be paid into an account, but X can endorse the cheque over to Y, Y onto Z etc.

Before you decide whether either of these terms is appropriate, nor not, you need to be sure what the French "chqèue sécurisé" actually means within your particular context. I get hits with different meanings depending on the bank. Also, your extract provides a number of procedural step to be taken in order to "sécuriser" a cheque. Does the text describe the requirements of a particular bank?

14:08 Jun 16, 2014 

My FR cheques are pre-printed as crossed and "A/C payee only", so I don't think it can be that.

Here, I suspect it just means that one of the conditions for benefitting from the cheque security service is that — you must have gone through the process (usually a telephone call to get an authorization number) for making it secure; in other words, cheques where you didn't go through the process are NOT covered! Seems obvious, but they do tend to like this belt-and-braces approach!

I'm not aware of any actual 'vignette' used for this purpose — perhaps it is specific to this company's system; unless by 'vignette' they simply mean the specific piece of paper that representes the abstract notion of 'the cheque'???