Now, process checks, payment coupons and remittance documents with one pass scanning using any scanner at a low fixed cost.  All My Checks is a Windows software application that has a new option called All My Coupons using components of the AMPLIB SDK.NET. With the All My Coupons option, you can now have fast and accurate check and payment coupon detection, reading and extraction with reasonable licensing costs.



All My Coupons option gives you these benefits and reduces operation expense

  • Automatically, accurately and quickly machine read barcode or OCR A/B encoded amount and account information, no need to use expensive data entry operators
  • One pass scanning, no need to scan checks a second time with a specialty check scanner reduces operator expense
  • Use virtually any document scanner for both checks and payment coupons One software application for multiple bank remote deposit destinations.

Lower Volume at Lower Cost

The growth and evolution of the Remote Deposit Capture (RDC) market continues to challenge the providers and users of the core technologies required to capture and process these types of transactions. RDC originally started with businesses that received a high volume of check payments. Processing a large number of checks justified the purchase of specialty check scanners and software. The growth of the RDC market has now expanded to businesses that require lower cost check capture solutions because of lower check volumes.

Low Volume Remote Deposit Lockbox

Receivable processing via wholesale and retail lockbox services is an opportunity for financial institutions to obtain and keep their corporate customers and depositors. They need to capture remittance vouchers, coupons and other associated transaction information. Because this is low volume and is a service to the corporate depositors, the financial organization needs to make the process as efficient as possible. They cannot afford a two step process of scanning all the documents and then bursting apart the checks and using a specialty check scanner. They need an economical one step process.

Lockbox service providers (both wholesale and retail) also have a problem in which payments are not only sent to the lockbox address but delivered to field branches or even misdirected to corporate addresses. These payments are defined as “stranded payments” and before affordable RDC, they had to be physically redelivered to the central lockbox processing center. Now with RDC these stranded payments can be captured remotely and sent electronically to be processed at the lockbox centers. Any associated non-check documents can be scanned and sent as well. This speeds up the collection process for these items while reducing transportation and remote handling expenses.

The new RDC markets require the use of lower cost check image capture devices that are portable and convenient to use and software that can handle the wide variety of scanned check images. RDC solutions are now evolving to include every type of document scanning capture device. However, these devices have two major issues

  • No MICR - MICR information is not captured with these scanners by physical magnetic readers.
  • Non-conforming check image - The resultant scanned check image is probably not formatted for exchange or electronic deposit.

Since these scanners do not have magnetic MICR readers, it is now the responsibility of software to capture the MICR information using software optical character recognition (MICR OCR) technologies that read the E13B MICR fonts from the check image, accurately with low substitution errors.

Check images captured by this wide variety of scanning devices do not produce a check image that conforms to exchange standards. Check images from these devices are no longer captured properly framed and cropped with correct resolutions and in correct black and white TIFF file formats.  The software technology needs to accept as input the variety of image formats produced by these scanners and format the images to conform to standards.

Checks can also be remittance vouchers with the check a component of a multi-part form. The application technology will need to be able to filter out the non-checks while maintaining the integrity of the entire transaction. The technology will also need to locate and extract check images from the top, middle or bottom of a multi-part check voucher forms.

New Process With ALL My Checks and All My Coupons


Now scan checks and coupons on any document scanner just one time. Run the All My Coupons software option.

All My Checks with All My Coupons Features

  • Scan all documents once (no need for separate check scanner
    • Checks
    • Remittance coupons
  • Automatically find and extract check images from scan
  • Automatically find and read remittance coupon information using barcode or OCR A/B fonts
    • Customer account number
    • Payment due amounts
  • Automatically prepare front and back check images for remote deposit
  • Automatically extract MICR information from check images to obtain bank routing numbers, account numbers and and check serial numbers
  • Create X9.37/ICL files for electronic remote deposit Format ICL files for over 50 financial institutions
  • Verify coupon information with optional X9 VIEWER


  Verify correct dollar amount with optional X9 VIEWER DE software


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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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