[Richard has his Chinese name on his chop.]
Ever since ancient times in China, little wooden stamps, called chops, have been used to indicate ownership and authority. The ink is usually red and when inked and pressed, it imprints on whatever document it is applied.
The chop is the Chinese equivalent of the American signature. Your bank will keep a record of the impression from your chop and if you try to use a different one, they will notice. You cannot fool them, because there are always little subtle differences in all chops--just like in a signature. Your transaction will not be processed until you have the correct chop. You can cry and scream all you want. Believe me, I have tried.
Some old chops of mine.