Check Deposits Without Check Scanners 

Remote Deposit Capture (RDC) has been in use by banks and other financial institutions for some time. What is relatively new for RDC is the capture of checks from camera based devices without hardware magnetic MICR readers.


Working with Image Cash Letter Files

This white paper is for anyone contemplating working with or implementing a sys­tem that will process Image Cash Letters (ICLs), AKA X9.37 files, and would like to reduce their implementation costs, time, and ongoing maintenance efforts.  bar code


Ramifications of MICR Mis-Match in Check Image Exchange

This white paper discusses the issue of data errors made during the check truncation and exchange process and the privacy and operational risks this creates to the financial institutions involved in Check 21 check clearing.   Combining Remote Capture and IRD Printing A Check 21 Strategy for Community and Regional Banks   Barcodes in Document Imaging A White Paper that describes in detail Barcodes and how they relate to document imaging.


Barcodes In Document Imaging

A White Paper that describes in detail Barcodes and how they relate to document imaging 





All My Checks Presentation

The presentation covers an introduction to All My Checks software, the goals and benefits of using All My Checks, samples of scanned check images showing effects of formatting for exchange and samples of voucher Remittance processing.  Issues with mobile phone camera images, a summary summary of features and functions and screen shots of the software are also presented.


Getting Started with ICL Files

This PowerPoint presentation is an overview of how an X9.37 file (Image Cash Letter) can be built from your data base, remote capture system or image archive system.  Topics include:

  • What is an ICL
  • How it differs from other electronic fund transfer processes
  • Benefits of using ICL files
  • Why a valid ICL must be adhere to recognized standards
  • Guidelines for an acceptable ICLs sent to FED
  • Potential issues with ICLs
  • Editing an ICL
  • Generating a return ICL
  • Future ICL standards


Minimizing Liability When Imaging Checks

A Study of Production Check Image MICR Verification This presentation explores:

  • How current check data verification processes work
  • How these processes must change to accommodate imaging
  • Why check image MICR data verification is important
  • How to reduce check image data substitution errors
  • How to minimize your liability for invalid IRDs or check data



Case Studies


NCDST Updates Legacy System With X9 IMAGE CLEARING For Check 21


FedReturn Service - The Approval Process from the Bank's Perspective

This is a presentation describing how a community bank went from concept, to development, to production with Federal Reserve Board approval in less than 5 weeks using All My Papers X9 LIB software development toolkit for processing Return X9.37 Files.



amc-logosmAll My Checks™
• Find scanned check images
• Extract MICR data accurately
• Prepare check images for exchange
• Ready to run software application

• Processes check images
  From Phones, Cameras, Scanners
• Reliable MICR data extraction
• Exchange ready check images
• Single call implementation

• View content of ICL files
• View check images
• Edit records and fields
• Print IRDs

qualifier-smlogoX9 Qualifier
• Detect non-conforming TIFF tags
• Correct TIFF Tags
• Detect MICR Mis-Match
• Image IQA

x9LIB-smlogoX9LIB SDK
• Create ICL Files
• Format ICL Files
• Save as CSV Files
• Sort & Merge ICL Files

IRD-Print-smlogoIRD Print
• Conforms to latest standard
• Prints Negotiable IRDs
• Works with Many Printers
• Prints one item or the entire ICL file

x9ImageClearing-smlogoX9 Image Clearing
• Check Archive
• Duplicate Detection 
• Research Check Items
• Forward & Return Clearing

Free Software

 viewer-smlogoDownload FREE
X9 Viewer

qualifier-smlogoDownload FREE
X9 Qualifier

ampLIB-logosmDownload FREE

x9LIB-smlogoDownload FREE
Barcode Demo



July 22, 2014 - ALL MY PAPERS Software Selected by Tangerine Bank -- Cheque imaging technology provides low cost solution for Canadian Banks


April 10, 2013 - ALL MY PAPERS Signs Reseller Agreement with Orbograph


September 25, 2012 - Orbograph and All My Papers Form Alliance for Remote Deposit Capture & Mobile Marketplace Complementing technologies improve efficiency and reduce risk of fraud

August 3, 2012- Credit Union Times - Mobility Matters: Tracking the Mobile Banking Revolution in Credit Unions


September 28, 2011- All My Papers Announces a Software Application That Makes Every Scanner a Check Scanner - You can read the press release online by going HERE.

April, 2011- Check Deposit Challenges Using Scanners Without MICR Readers - Transaction News - You can read the article online by going HERE.

January 25, 2011 - All My Papers Updates MICR OCR SDK with Additional Camera Capture Features For Mobile Phones and Desktop Scanners


February 24, 2009 All My Papers Publishes Case Study of X9 IMAGE CLEARING Software Solution For the State of North Carolina Check 21 Processing.


December 2 , 2008 All My Papers Awarded Bid by State of Nouth Carolina for Check 21 Processing

October 24, 2008 All My Papers previews Beta version of X9 Viewer with support for the Universal Companion Document, UCD.

July 23, 2008 All My Papers Releases Software Reader for USPS 4-State Barcode

May 6 , 2008 All My Papers Releases Federal Reserve Bank MICR Conversion Utility for Check 21 Files


December 12, 2007 All My Papers Releases X9 TIFF QUALIFIER For Testing To the New ECCHO Check Image Exchange Rules

October 23, 2007 All My Papers Releases White Paper on Ramifications of MICR Mis-Match in Check Image Exchange

October 22, 2007 All My Papers Releases X9 TIFF QUALIFIER for Image Cash Letters

August 21, 2007 All My Papers Joins Financial Industry Organizations ECCHO and FSTC To Facilitate Check Image Exchange

May 2, 2007 - All My Papers Releases X9 VIEWER for Image Cash Letters

March 27, 2007 - All My Papers Releases White Paper on Check Image Exchange Interoperability and Data Integrity Issue Resolution

February 21 , 2007 - All My Papers and Unisys Deliver Unrivalled Check Image Data Precision for Financial Institutions


January 17 , 2006 - Sterling National Bank, Leveraging All My Papers Technology, Granted Federal Reserve Board Approval for FedReturn™ Image Cash Letter


October 4 , 2005 - All My Papers MICR OCR Technology Integrated into 1,050 7-Eleven Vcom© Kiosks Verifies Check Image Data

August 12 , 2005 - All My Papers Publishes a FREE white paper - Combining Remote Capture and IRD Printing, A Check 21 Strategy for Community and Regional Banks.

July 20, 2005 - All My Papers Business Partner, Aquracy LLC, uses IRD print technology in Remote Image Capture Solution.

July 18, 2005 - All My Papers and Intactis Software Inc. form Strategic Business Partnership.

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