Automation for Self Service Devices (ATM & Kiosk)

Orbograph’s Automation for Self Service Devices provides a wide range of recognition capabilities which support the scanning and deposit processing of checks from any self service device, ATM or kiosk device including OCR recognition on the MICR Line.

The hot industry trend is to implement self service devices. These systems have evolved from simple cash dispensers and check deposit devices to offering a myriad of multi-channel payment options along with advanced imaging and receipt capabilities which enhance the client experience. As financial institutions and retail stores expand on self service functionality, additional benefits are seen by streamlining branch staffing models. Video kiosks are also gaining attention as vendors try to expand functionality of the self service device. The battle for full automation versus a blend of “human” interaction of a traditional teller will play out in the marketplace for the foreseeable future. These new devices can even print cashiers checks, pay bills and even integrate with mobile devices.

Leveraging 20+ technologies deployed within the Automation Services check recognition solution and blending our high performance Accura XV engines with special ATM and kiosk capabilities, Automation for ATM & Kiosk 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
  • 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 ATM & Kiosk provides 94%-99% levels of automation (assuming good image quality)
  • Identifies customer amount key errors
  • Reduce risk of check fraud by customer
  • Superior image quality controls with standardized approach across enterprise
  • More reliable operation
  • Reduce risk of items deposited twice (endorsement detection)
  • The last recognition technology you will ever need
  • Aggressive market pricing

Testimonial

“As the self service market has evolved, Automation for ATM & Kiosk was introduced to provide a solution to the industry looking to implement recognition technologies which provide a seamless customer experience at the device.”

 - Andy Leonhardt
VP of Sales, Orbograph

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Automation for ATM & Kiosks

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