|
The MICR Automation Imaging System is a mature and comprehensive system. It includes a full set of features that experience has shown are needed both for smooth operation, and for avoiding problems in the Check 21 World.
In addition to the standard branch capture, CAR/LAR, image proof, image presentment and acceptance, image return support, and image archive, the system provides a number of features not found in most systems.
Fraud detection rules applied to all items from all sources
CAR/LAR on images in incoming electronic cash letters
CAR/LAR on images in incoming RDC batches
Outgoing electronic cash letters checked for duplicates and duplication of items in earlier letters
Immediate rescan of folded, piggy backed, or unreadable teller items for simple creation of perfect transaction sets
Scanning of all non-cash teller items such as coupons and bills to provide a complete image record
Continuous testing of teller scans to catch duplications
Trapping of duplicate items which are in RDC and then in teller deposits
Capture and storage of both faxmode and grayscale images of both sides of all items to prevent loss of item details
Image enabled lockbox with secure daily encrypted email delivery of update files and images of items processed, with file and item management software for customers – remote lockbox allowing RDC customers to handle own processing
Delivery of item data and images for customers, such as all items for selected period, via any medium, with self-contained viewer allowing search, viewing, printing, emailing, and customer creation of sub-files of selected items
Automatic daily secure emailing of reconciliation files and images, including images of items in deposits, with automatic decryption and storage in customer PC, and with dedicated integrated database on customer PC allowing them to find items instantly
Automatic secure emailing of notification details when pre-arranged transactions occur
Retention of actual incoming cash letter files indefinitely, providing access to actual items and all related records in their original context
Direct access, search, and viewing of entire X9.37 files with display of field definitions for fields being viewed
Removable media maintained in sets, with the backup program keeping all members of the set the same, providing multiple copies in case of media failure and allowing at least one copy in the set to always be off premise
Totally redundant software installation allowing immediate operation from backup location
|
|
Image Proof - Presentment - Acceptance - Archive |
|
Fraud Detection operates at every level of the system
Image Archive allows direct viewing of all items in every transaction set, including foreign items in deposits, found from any item in the set
Totally redundant image files and databases provide fast recovery in case of equipment failure or damage
Local control of Remote Deposit Capture batches, with batches integrated into proof work for streamlined handling in same manner as teller batches |
|
Direct interfacing to several popular scanners removes the need to pay annual interface license fees |
|
Duplicate entire items Duplicate check numbers Check numbers out of range Repetitive amounts Daily account profile tests of item count and dollar total Large item suspects based on average balance Blocked range of numbers Tests for known fraudulent item fields Amount tests for specified accounts |