Hang Seng Bank  
Frequently Asked Questions
e-Cheque Security
   
Q: Is an e-Cheque safe and secure?
Q: As e-Cheques files can be freely copied, how to ensure an e-Cheque will not be deposited multiple times?
Q: What are the security measures I should take when I use the e-Cheques Services?
Q: Is an e-Cheque safe and secure?
A: Yes. An e-Cheque is digitally signed by the payer and the payer's bank with the public key infrastructure (PKI) technology to ensure no alternation or tampering can be made after its issuance.
   
Q: As e-Cheques files can be freely copied, how to ensure an e-Cheque will not be deposited multiple times?
A: Hong Kong Interbank Clearing Limited (HKICL) will conduct checkings to ensure there is no duplicate presentment for the same e-Cheque. If an e-Cheque is presented twice, the second presentment of the same e-Cheque received by the Clearing House will be classified as duplicated and will be rejected. For security reasons, you are advised to deposit your e-Cheques as soon as possible.
   
Q: What are the security measures I should take when I use the e-Cheques Services?
A:
We advise our customers to:
-Keep the security device safe. The security code generated by the security device is used to authenticate your identity as well as access your Bank-Cert to sign e-Cheques.
-Send e-Cheques file to your payee through a secure channel. You may also contact your payee to confirm he/she has received the e-Cheque.
-Deposit e-Cheques as soon as possible.