Automation for RDC & Mobile

Remote deposit capture (RDC) has diversified beyond traditional corporate and merchant capture. Consumer and small business clients are reducing branch visits and depositing checks via flatbed scanners, low speed check scanners and smart phones. Orbograph’s Automation for RDC & Mobile provides a wide range of recognition capabilities which support the remote deposit capture process from any device.

 

The use of a slow to mid speed scanner in the corporate RDC process creates not only the image of the check, but also a read of the MICR line. This MICR line read is an important differentiator between a corporate RDC and Mobile/flatbed RDC transaction. In RDC transactions which do not have MICR line information, an OCR recognition process must be completed on the MICR Line. Additionally, check images captured in Mobile RDC require a special image preparation and cropping process to ensure the image is formatted, readable and sized properly.

For all RDC environments, Orbograph focuses on recognizing and or verifying information on the front and back of the check image. For images generated without MICR line data, please see Orbograph Business Alliance Partner, AllMyPapers.

Leveraging 20+ technologies deployed within the Automation Services check recognition solution and blending our high performance Accura XV engines with special RDC capabilities, Automation for RDC & Mobile provides a wide range of check recognition and fraud prevention capabilities including:

  • Multi-engine Courtesy Amount Recognition and Legal Amount Recognition optimized for:
    • CAR/LAR: Free reading check amounts
    • Amount Verification: Verification of amounts assigned to the check
    • CAR/LAR Discrepancy: Testing for alterations and variations
  • Data Verification: Confirmation of low confidence CAR/LAR results
  • Dynamic Thresholding: The ability to provide higher scores for small retail deposits while minimizing misreads in large corporate deposits (targeting 2 per 1,000)
  • Balancing Optimizer: API call that scores items for accuracy and offers a new transaction order. Most applicable for commercial RDC and large back-counter deposits
  • Image Quality Assurance (IQ): 13+ tests compliant with FED and FSTC settings
  • Image Usability Assurance (IU)
  • Image Integrity (II): Confirmation that the right image is associated with the MICR line
  • Automated Endorsement Analysis (AEA): Confirmation of the presence of an endorsement on the back of the check
  • Signature Detection: Confirmation of the presence of signature on personal and business checks
  • MICR Recognition: Free read of MICR line or repair of scanner rejects
  • Payee Name Verification/Payee Matching: Confirmation of account holder name on check
  • Payer recognition: Typically used to build database of check payers/makers
  • Managed Recognition reporting

Tangible/Intangible Achievements

  • Automation for RDC typically provides 94%-99% levels of automation (assuming good image quality)
  • Reduce data entry labor at RDC end-user (est. 2.2¢ per item keyed)
  • Recognition accuracy typically better than human operators
  • Balancing savings and optimized FTE utilization
  • Superior image quality controls
  • More reliable operation
  • Reduce risk of employee fraud
  • Reduce risk of check fraud
  • Reduce risk of items deposited twice (endorsement detection)
  • Positioned for growth
  • The last recognition technology you will ever need
  • Aggressive market pricing

Testimonial

“We introduced this module with a very aggressive and unique pricing model to enable low volume RDC and Mobile environments to cost effectively implement recognition technologies for this very important industry movement.”

- Joe Gregory
VP of Marketing, Orbograph


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