作为一个小企业主人接受现金payments, you need to protect your business from counterfeit money. There are数百万美元in counterfeit bills in circulation. Learn how to tell if money is fake before you accept counterfeit bills.
Once you receive counterfeit bills, they are valueless, which results in unnecessary profit losses. When you know how to tell if money is real, you can make sure your business doesn’t减掉数百美元从假冒现金。
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如何判断金钱是假的
假币是由诈骗者创造的非法货币，而不是政府。许多伪造者能够让假钱看起来逼真，使企业难以发现这些电话。
There are a few different ways you can tell fake bills apart from real ones. First, these are the seven denominations in circulation: $1, $2, $5, $10, $20, $50, and $100.
All bills have a few of the same security features. But, the $1 and $2 bills have not changed since they were issued in 1963 and 1976. The five higher bills have additional security features.
So, what does counterfeit money look like? Counterfeiters might add similar looking security features on fake money to make identifying counterfeit bills difficult, but there are definitely differences. Most of the fake security features are superficial.
Check out these security features on legal U.S. currency. Once you know what they are, you can look for some of these features when you collect payments.
Federal Reserve seal
美联储密封在$ 1 / $ 2的账单和其余货币之间变化。
For the $1 and $2 bills, there is a Federal Reserve Bank seal. This is black and is on the left of the portrait. It has the letter and Federal Reserve Bank name that issued the currency.
For $5 bills and up, there is a Federal Reserve System seal, which is the image of an eagle. The letter and Federal Reserve Bank number are to the upper left of the seal.
财政部密封
财政部密封是绿色的，在肖像的右侧发现。所有1969年的账单在拥有相同的国债后。
升起印刷
If you run your finger along a legal bill, you’ll notice that the printing is raised. United States currency is textured instead of smooth.
The bill could be fake if it is smooth. Run your finger and nail along the bill to make sure it is textured.
材料
美国货币不仅仅是普通纸。该法案是四分之一的亚麻和四分之三的棉花。并且，有红色和蓝色安全纤维编织到账单中。
Check to see that the red and blue security fibers are woven into the bill instead of being added on top. The material should not feel like standard paper.
肖像和小插图
肖像在美国票据的前面找到。小插图在后面。每个面额都有不同的图像。在接受账单之前，请确保纵向和小插图正确。
Take a look at this table to learn about each bill’s portrait and vignette:
| 面值 | 肖像 | 小插图 |
|---|---|---|
| $1 | 乔治华盛顿总统 | 美国的伟大印章 |
| $2 | President Thomas Jefferson | Signing of the Declaration of Independence |
| $5 | 亚伯拉罕林肯总统 | Lincoln Memorial |
| 10美元 | Secretary of the Treasury Alexander Hamilton | United States Treasury Building |
| 20美元 | President Andrew Jackson | 白色的房子 |
| $50 | 总统尤利西斯S. Grant | United States Capitol |
| 100美元 | 创始父亲本杰明富兰克林 | Independence Hall |
序列号
所有美国的账单都有11个数字和字母。序列号在账单前一组序列号上显示两次序列号，在肖像的左侧，另一组位于右侧。
Make sure both sets of serial numbers match. If the bill is torn so much that it is missing part of one set of security numbers, do not accept it as payment.
Microprinting
On bills $5 and higher, you can see small text scattered around the bill. You might need a magnifying glass. The text is clear. If you see small, blurry text, it is counterfeit.
从账单到比尔的汇总变更。看看每张账单的文本。
| 面值 | 文本 |
|---|---|
| $5 | FIVE DOLLARS (left and right borders), E PLURIBUS UNUM (inside the Great Seal), USA (inside Great Seal), USA FIVE (on edge of purple five), State names (on Lincoln Memorial) |
| 10美元 | THE UNITED STATES OF AMERICA (below portrait and inside borders), TEN DOLLARS USA (below portrait and inside borders), USA 10 (beneath torch) |
| 20美元 | USA20（肖像右侧），美国20美国20（财务主管签名以下边境） |
| $50 | 五十（肖像中的肖像中，边界），美国（肖像内部的左侧），50（肖像内部的左侧星星），美国（总统Grant的衣领） |
| 100美元 | THE UNITED STATES OF AMERICA (Franklin’s collar), USA 100 (near watermark), ONE HUNDRED USA (quill), 100s (borders) |
Though you probably won’t have time to get a magnifying glass and inspect the bill for microprinting, you can keep an eye out for some text if you know what to look for.
Glance over the bill to see if you can find some clear microprinting. Some counterfeiters also have microprinting, but it is blurry and might be in different locations.
Color
The bill’s color changes based on its denomination. The $1 and $2 bills have a standard green color. The higher bills have a mix of colors incorporated. However, the $100 does not have special colors mixed into the background.
| 面值 | Colors Incorporated |
|---|---|
| $5 | 浅紫色和灰色 |
| 10美元 | 橘子, yellow, and red |
| 20美元 | 绿色和桃子;蓝色二十美国在后台to the right of the portrait |
| $50 | Blue and red on the sides of the portrait |
符号
Legal money has additional symbols that represent American freedom. These symbols include the Great Seal ($5), the torch of the Statue of Liberty ($10), an eagle ($20), stars ($50) and a quill ($100).
Colored numbers
每项面额都有一个大，彩色数字在账单背面。除了100美元之外，这些数字都是5美元或更高的账面。100美元的账单有一个彩色数字从角落垂直伸展到后面的角落。
$ 5账单在后面的右下角有一个紫色5。10美元，20美元和50美元的账单在背面右下角匹配绿色数字。100美元的价格在后面有金100。
Series year
There are a few different series years, depending on the denomination. And, the first letter of the serial numbers corresponds to the series year. Before you accept payment, make sure that the letter corresponds to the series year.
Here are the letters each一年should correspond with:
- 1996年：A
- 1999：B.
- 2001：C.
- 2003年：D
- 2003A: F
- 2004: E
- 2004A: G
- 2006：H / I（取决于面额）
- 2006A：K
- 2009: J
- 2009A：L.
- 2013: M
Security thread
如果你见过员工，这是一个占据灯光的1美元，这是因为他们正在寻找安全线程。此安全线程垂直垂直运行5美元和UP。并且，每种面额都有不同的颜色，你可以用紫外线看到。
在螺纹上的印刷和位置之间的不同之处。
| 面值 | Security Thread Text | Security Thread Location | Security Thread Glow in UV Light |
|---|---|---|---|
| $5 | ”USA” and “5” | Right of the portrait | Blue |
| 10美元 | ”USA TEN” and a flag | Right of the portrait | 橘子 |
| 20美元 | ”USA TWENTY” and a flag | 肖像左侧 | 绿色的 |
| $50 | ”USA 50” and a flag | Right of the portrait | 黄色的 |
| 100美元 | “美国”和“100” | 肖像左侧 | Pink |
水印
All bills $5 and higher have a watermark you can see when you hold them to the light. All watermarks are of the portraits except for the $5. The $5 bill has a watermark of a 5. The watermarks are found to the right of the portrait toward the border.
Color-shifting ink
One security feature of bills higher than $5 is they have color-shifting ink. When you tilt the bill, the denomination in the right bottom corner should change colors between copper and green. If the numbers do not change colors when you tilt the bill, it is counterfeit currency.
The $5 bill does not have color-shifting ink. However, it does have a large purple 5 on the bottom right corner on the back.
Additional security for $100 bill
你可以学习如何告诉如果一个100美元的法案是真实的y additional security features. In addition to the standard security features, the $100 bill has a 3D security ribbon woven into the paper. There are bells in the ribbon that move as you move the bill. The $100 bill also has a color-shifting bell in the orange inkwell.
帮助检测伪造金钱的工具
As you can see, the government has included many security features in each of the bills. But as a small business owner, you may not have time to memorize the features and look for all of them when a customer pays you. You want to protect yourbusiness bottom linefrom unnecessary losses, as well as your valuable time.
You can use tools to help tell the difference between counterfeit money vs. real money. There are all kinds of tools, including pens, UV lights, and scanners that range from five dollars to hundreds of dollars.
Don’t solely depend on tools, however. Some tools might not be able to pick up on counterfeit money.
What do you do with a counterfeit bill?
So, what do you do with counterfeit money at your business? You are responsible for reporting counterfeit money to the authorities, according to theUnited States Treasury Department.
Take notes on the customer who gave you the bill. In some cases, they are not the counterfeiters. They might have received the bill without realizing it and passed it onto you.
Try not to touch the bill too much. Cover it so authorities can test it for fingerprints. Call your local police or a local U.S. Secret Service Office.
How to handle counterfeit bill payments in your books
不幸的是，一旦你收到伪造的账单，它就毫无价值。您将无法从销售中收到收入。如果你收到假钱并将真钱作为改变为客户，你会失去更多的钱。
Let’s say you sell a printer to a customer. You receive a counterfeit $100 bill and give the customer $50 back in real currency. Your business has lost the money you should have received for the printer as well as an additional $50 in real money.
您需要在会计书籍中扭转条目。当您最初进行现金销售时，您需要扣除现金账户并贷记库存。但是当您发现您接受了伪币账单时，您需要撤消这些条目。
您的业务最初有500美元现金。亏损后，您的现金账户减少到100美元。看看您的初始日记帐分录。
| Date | 帐户 | 笔记 | 借方 | Credit |
|---|---|---|---|---|
| 8/3 | Cash Account Inventory |
Sale to Customer | 50 | 50 |
To adjust your books for counterfeit money, you need to debit your坏账费用帐户。这将反转该条目。由于销售额为50美元，并且您向客户提供了50美元，您需要借记和信用100美元到这两个帐户。
| Date | 帐户 | 笔记 | 借方 | Credit |
|---|---|---|---|---|
| 8/5 | Bad Debts Expense Cash Account |
Counterfit Money | 100 | 100 |
If you havesmall business insurance这可以保护您免受欺诈，您的政策将涵盖一定数量的损失。考虑购买商业犯罪保险，可保护您免受数百或数千美元的损失。
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This is not intended as legal advice; for more information, pleaseclick here.