Whitepapers, Presentations and Case Studies


Best Practices for Check Image Capture Without Traditional Check Scanners

The use of non-traditional image capture devices such as smartphones and desktop scanners in check image capture as individuals and businesses embrace the convenience and efficiency of remote deposit capture.

The images captured by these devices can vary immensely in quality and often contain artifacts or characteristics that make it difficult to extract necessary data and to convert these images into the correct format for the electronic check clearing system. This paper provides guidelines to avoid poor quality check images and to ensure the best end user experience.


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 Letters

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 Deposit 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


Strategies for Success in Remote Deposit Capture

Expanding the Remote Deposit Capture Market With Software Tools for RDC and Remote Lockbox Development



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

Automation of Inclearing Return Items - A Case Study

Describes the automation of return transit item processing using the All My Papers X9 Returns product.

NCDST Updates Legacy System With X9 IMAGE CLEARING For Check 21


Contact All My Papers
Contact All My Papers to automate check Image Cash Letter (ICL) file processing.