New check image processing technology can be used to eliminate a separate check scanning step in your remittance processing systems. In the past, check image processing technology could only process checks captured by the traditional check scanner. Now technology can process check images captured on flatbed scanners, from images taken with cell phone cameras, and now even from a full page remittance voucher forms. In short, remittance capture can be converted from a two pass process to a single scan.

Every Scanner Is Now A Check Scanner

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All My Checks will find and extract checks from scanned remittance vouchers

In wholesale remittance processing, payments are often received as a Remittance Vouchers. This is a full page multi-part document that will contain a remittance advice portion and the actual check. The check can be located in the top, middle, or the bottom tear off portions. Today remittance processors will process this voucher two different times. A full page scan of the entire voucher is performed to capture the remittance advice information in the transaction. The processor will then separate the checks from the voucher and scan the checks to capture the MICR and images required to clear the payment. The capture systems will need to reconcile the check payment instruments with the payment transactions.

Using check image identification technology it is now possible to scan the voucher one time only. This technology will be able to locate the front image of the check within the payment voucher image, extract it and produce a Black and White TIFF image compliant to image exchange standards. The rear portion of the image can be extracted from the back image of the voucher using the known location of the front. Capturing the check images at the same time as the entire transaction will also simplify the reconciliation process.

Scanning costs can also be reduced in retail remittance processing systems. Processors here will often perform a scan of each transaction that can include the remittance document, checks, and correspondence. They will perform a first pass capture of everything and then separate the checks for a second pass. Check location software can be used to identify and process the checks in this scanning stream of checks and non check images eliminating the need of a second capture pass. The check locating software will also locate and extract standalone check images captured from a page scanner.

Locating the rear image of the check from a full page image has its challenges. If the image is light with no contrast to the background of the scanner the rear image will appear as a blank document. Particularly as there is no endorsement data yet present. There is an option to electronically generate a rear image and at the same time electronically endorse this image with the deposit endorsement (e.g. “Deposit to the Account of ….”). This option can also be used to eliminate the need for duplex scanning that can further reduce scanning and processing costs.

All My Papers (AMP) provides software technology for the processing of check images to Remittance Processors, Remote Deposit Capture software vendors and to the internal software development teams of financial institutions. AMP products include software development tool kits and applications that provide the ability to create, view, edit, format, sort, merge, print and process check Image Cash Letter files.

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Products

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

viewer-smlogoX9Viewer
• 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

News

2014

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

2013

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

2012

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

2011

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

2009

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

2008

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

2007

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

2006

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

2005

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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