Maryland Commercial Law Section 4A-201

      (a)      "Security procedure" means a procedure established by agreement of a customer and a receiving bank for the purpose of:

            (1)      Verifying that a payment order or communication amending or cancelling a payment order is that of the customer; or

            (2)      Detecting error in the transmission or the content of the payment order or communication.

      (b)      A "security procedure" may require the use of algorithms or other codes, identifying words or numbers, encryption, callback procedures, or similar security devices.

      (c)      Comparison of a signature on a payment order or communication with an authorized specimen signature of the customer is not by itself a "security procedure".