1. Automation for RDC & Mobile
The Leading Check Recognition Solution for Corporate, Consumer and Mobile RDC
Automation/Fraud Technologies in RDC
Check Fraud and Risk Mitigation
Customers using check scanners, flatbed
scanners or mobile devices for remote deposit capture (RDC) expect a high degree of
functionality and efficiency. Applying high
performance CAR/LAR and check recognition technologies can not only streamline
the process, but reduce fraud risk and improve the user experience of RDC.
Check fraud in the US continues to be an
ongoing problem with an estimated $893M
in losses for 2010. RDC can add risk exposure to the check payment system; especially if depositing customers do not destroy the original check. Fortunately with
the right system controls, auditing practices and technologies, fraud exposure in RDC
transactions can be limited.
Market Overview
RDC has evolved into a suite of service offerings. The market has segmented into
Desktop Deposit for commercial customers, Consumer Capture for individuals with
flatbed scanners and now Mobile Deposit
using smart phones.
This range of capture devices provides a
wider range of capabilities to entice large
corporate customers, consumers as well as
small and micro businesses. Additionally,
Mobile RDC expands the adoption potential to the Gen Y and millennial generations.
All sizes of financial institutions (FI) are
committed to RDC. FI’s offering the service to existing customers provide RDC as
a treasury and convenience tool. FI’s also
offer RDC to expand on customer opportunities outside their geographic footprint.
But FI’s don’t have a monopoly on the market, as many software integrators, service
bureaus, ISV’s and merchants have developed their own solutions. These systems
are tailored to market needs with specific
feature capabilities.
Recognition technologies can play a major
role in risk mitigation by detecting alterations, testing image quality, confirming correct MICR, matching payee names and validating endorsement presence.
Recognition Solution Set for RDC
Since 1996, Orbograph has been the leader in solution-oriented check recognition
systems. Our value-based approach combines a unique blend of multi-engine technologies to deliver read rates ranging from
90% to 98%. Orbograph has tailored its
20+ recognition engine capabilities for the
RDC marketplace.
Designed to run on workstations, servers or
virtual environments, Automation for RDC is
a scalable and redundant recognition application which can process images from any
capture source. Orbograph software can
also be configured for distribution to workstations across a wide range of end-user
locations. This flexible configuration offering enables system architects to utilize this
functionality remotely with simple licensing
and performance tracking.
RDC Tailored Capabilities
• CAR/LAR: Courtesy Amount Recog-
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nition (CAR) and Legal Amount Recognition (LAR) engines of Accura XV
provide check recognition rates of
90%-95% with 99% accuracy
Dynamic Thresholding: The ability to
provide higher scores for small retail
deposits while minimizing misreads in
large corporate deposits (targeting 2
per 1000)
Data Verification: Utilizes “data verification” for amounts in question with
low confidence, providing read rates
of 98%+
Amount Verification: Identifies checks
with incorrectly values when the
amount is already assigned by endusers, i.e. mobile RDC
Balancing Optimizer: Separate API
call that scores items for accuracy
and offers a new transaction order.
Most applicable for commercial RDC
and large back-counter deposits
CAR/LAR Discrepancy: Compares
CAR and LAR values for possible
fraud alterations
Image Quality Assurance (IQA): 13+
IQA tests which can be tuned for image exchange formatting of FED or
FSTC settings. Many large banks use
Orbograph IQA on correspondent incoming deposits
Image Usability Assurance (IUA):
Field level detection of payer, payee,
date and signature fields
“Growth in remote deposit capture is driving additional requirements in check recognition.”

2. • Image Integrity (II): Confirms proper
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MICR association to the image
Automated Endorsement Analysis
(AEA): Identifies missing endorsements on person or business RDC
checks
MICR Repair: Provides OCR results of
the MICR line rejected checks
Payee Name Verification (PNV)/Payee Matching: Confirms the check is
made out to the depositor, typically
implemented on business checks
Payer Name & Address: Payer recognition can read the payer name/address of the check for fraud mitigation
and downstream marketing
Managed Recognition Reporting: As
part of the Automation Service package, volumes and recognition rates
can be tracked centrally
Underlying Technologies
The solutions for an RDC environment leverage a variety of technologies built into the
recognition platform.
• Key-Pay Hub: Infrastructure for data
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verification as well as Managed Recognition Reporting using Business Intelligence (BI) tools
Orbograph Portal or CAReporter: Interactive charts and graphs calculate
read and misread rates as well as
identify IQA issues at a document level, store level or scanner level
OrboTool: ICR (Intelligent Character
Recognition) tool creates definition
templates: Document types, multiple
fields, TEXT ID for non-MICR or similar MICR items and front/back of image
ALR: Automatic Layout Recognition
identifies item type and field location
without document templates, assigns
deposit tickets as credits
MICR Recognition: Utilizes OCR to
correct MICR line rejects
Full page field recognition: Reads selected fields on full page documents
Image Prep/Enhancement: Depending
on the environment, Orbograph can
work with existing images or recommend business alliance partners
integrations and can many times be “test
ready” in as little as an hour.
Extended Features
Software Distribution and Deployment
In addition to the reading checks for RDC
deposits, the solution can also read:
Centralized installations utilize an activation
code with MSI installer. Distributed environments most commonly push a “flat folder”
to the workstation location. This distribution
process limits overhead, and is excellent for
web or intranet delivery. Once the software
is present, the files are copied into directories and the software is ready for operation.
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Money Orders
Other images within the transaction
Amounts from remittance coupons
OCR lines
Fields on full page documents
Explanation of Benefits (EOB) forms
*Desktop Check Analyzer compatible.
Licensing Options
• Automation for RDC: Offered at a flat
monthly rate, utilizes both recognition
and data verification
• Automation Services LE: Flat monthly rate utilizing local engine (LE) only
• Accura XV: Software licensing model
typically for larger customers
System Interfaces
Orbograph provides a wide range of system interfaces via a flexible Application Programming Interface (API). Our API’s support
C++, C#, .NET and Java environments.
The most common RDC interface is the OrboCAR Bridge Interface (OBI). This API is
a single-call alternative to heavy system
Tangible Benefits
• Data entry labor at RDC end-user est.
2.2¢ per item keyed
• Recognition accuracy typically better
than human operators
• Significant balancing savings on corporate deposits
• Image quality confirmation prior to
sending image to bank results in research savings
Intangible Benefits
• Highly reliable technology
• Streamlined processes and FTE utilization
• Reliable and robust architecture allowing full redundancy of all its components
• Positioned for growth
• The last recognition technology you
will ever need
About Orbograph
Orbograph, a subsidiary of Orbotech, is a premier provider of recognition services and software for check processing in the financial industry and end-to-end electronic solutions in healthcare revenue cycle management (RCM).
Orbograph technologies are in use in over 1,500 financial institutions, service bureaus and billers processing
billions of checks and claims annually. Orbograph solutions are utilized by 20 of the top 30 U.S. financial institutions with in-house check processing. In healthcare payments, Orbograph P2Post and Orbograph E2Post utilize
innovative EOB conversion technologies to automate posting of receivables into practice management systems.
Orbograph enables clients to envision more for their organization by reducing costs and managing risk while
ensuring that achieving more is a reality.
44 Manning Road, Billerica, MA 01821 • (978) 667-6037 • www.orbograph.com