Checks are often embedded with other business documents such as contracts, invoices, cover letters and insurance benefits.  The typical process today includes scanning all the documents, manually bursting the checks, scanning the checks and somehow keeping track of which check goes with which set of documents.

All My Papers has developed software that automatically finds and extracts the check image from a scanned a scanned collection of documents and constructs a ICL/9.37/187 image cash letter file for exchange or remote deposit.

A better process is to scan once all the documents and then:

  • Find the check
  • Extract the check
  • Extract the MICR information
  • Prep the check for image exchange
  • Build the image cash letter
  • Format the image cash letter for exchange or for Remote Deposit in your bank's RDC file format

All My Papers has developed software that automatically finds and extracts the check image from a scanned a scanned collection of documents and constructs a ICL/9.37/187 image cash letter file for exchange or remote deposit.

With a collection of scanned images that includes a check, the challenge is maintaining the association of the check with correct supporting documents.  With AMP software the check does not have to be removed or burst from the other documents. You leave the check attached and the AMP software electronically removes the check.

Business Applications

Field Offices

Insurance, brokerage and wealth management companies are organizations that have remote field offices with various types of scanners such as flatbed or multifunction machines. Each of these offices receives a low volume of checks daily (10-100) but these checks may be of high value. This low volume precludes the use of a specialized check scanner or remote deposit software. This small volume of checks has to be transported physically to a branch bank for deposit or sent back to headquarters via courier or some other shipping carrier. The collection of funds represented by these paper checks that have to be physically transported, may take several days.

Now the checks and associated business documents and contracts can all be scanned together and sent to headquarters electronically. AMP software will look at the folder of scanned business documents and extract the checks automatically, find the MICR data and prepare the check image for exchange an even generate the check image cash letter file for deposit.

Medical Explanation of Benefits

Medical insurance Explanation of Benefits (EOB) are usually multi-page documents that contain an attached check. The EOB provides the detail the insurance benefits and what is covered or not covered by attached check. The old way consists of scanning twice;

  1. once for the whole document with the check attached and;
  2. then the second time for the check that has been burst from the EOB form.

Now the entire document can be scanned once with associated check and the AMP software can find and extract the check automatically and electronically. See the example below.

ampsol4-1Remittance Process of Wholesale Lock Box

Many organizations process remittance documents. A wholesale remittance document has the check and a detail explanation of how to apply the check to an account. There may other associated documents such as an invoice and cover letter.  If you are a business providing this service you have to scan the entire set of documents and then you have to manually burst the checks apart and scan them again with a check scanner.  Many times this a business service for many customers that deposit with multiple banks. After you burst the checks apart you have to run the checks through the remote deposit capture software for each bank. This can be a logistical and operational nightmare.

Now all the documents can be scanned full page and the AMP software automatically finds and extracts the check images and MICR code and builds the check image cash letter for exchange or remote deposit.  


With AMP software checks are automatically found and extracted from business documents. To find more information contact   

For questions or to stay up-to-date on our products

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amc-logosmAll My Checks™
• Extract MICR data accurately
• Format check images for exchange
• Create ICL files for exchange or RDC
• Ready to run software application

ampLIB-logosmX9 Exception Manager

• Increase transaction throughput
• Enable Check 21 processing for legacy systems
• Acheive improved float management

x9LIB-smlogoampLIB MICR OCR SDK 

• Process check images
  From Phones, Cameras, Scanners
• Extract MICR data from check images 
• Format check images for exchange
• Fast programming with single call implementation

ampLIB-logosmX9 RCC
• Build Remotely Created Checks
  - for presentment or exchange
  -on behalf of your customers 
• Produce Test ICL Files
  - to debug Check 21 Applications
  - without risking customer data

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

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 and CRDs
• 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

x9ImageClearing-smlogoX9 Returns
• Imports ICL files into SQL database
• Supports 50+ ICL formats
• Return item research & sorting
• Browser-based user interface



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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Last Update August 7, 2017

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