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Table of Contents

Lead Story

Holiday season warrants new pursuits

News

Industry Update

Congress gives interchange reformers luke warm reception

VeriFone addresses PCI enforcement confusion

First Data STARs with PayPal

Visa prefers data-field encryption

Encryption debate heads to court

Payments a strong presence at the AFP

Features

A virtual RDC roundup

Research Rundown

Selling Prepaid

Prepaid in brief

What is stored-value?

New alternative takes flight

Top 15 tips for gift card success

Views

War of words over interchange heats up

Patti Murphy
The Takoma Group

Education

Street SmartsSM:
Don't let distractions hobble your business

Jon Perry and Vanessa Lang
888QuikRate.com

Complexities of multicurrency processing

Caroline Hometh
Payvision

Tips for new sales executives

Jeffrey I. Shavitz
Charge Card Systems Inc.

Cloud security, a weighty issue

Dale S. Laszig
DSL Direct LLC

Look ahead, prospect and prosper

Bob Schoenbauer
Capitol Payment Systems Inc.

Conducting effective meetings

Vicki M. Daughdrill
Small Business Resources LLC

Company Profile

Whitehall Capital Advisors LLC

New Products

Beefed up RDC

Tellerscan 240
Digital Check Corp.

Fortifying e-commerce with signatures

SignatureLink
SignatureLink Inc.

Inspiration

Get real with expectations

Departments

Forum

Resource Guide

Datebook

Skyscraper Ad

The Green Sheet Online Edition

October 26, 2009  •  Issue 09:10:02

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New Products

Beefed up RDC

Product: Tellerscan 240

Five years after inactment of the U.S. Check Clearing for the 21st Century Act, the remote deposit capture (RDC) scanners tasked with recreating checks as digital images have grown increasingly refined to address previously overlooked problems such as when two checks adhere to one another.

That is one of the problems targeted, in a layered and advanced way, by the TellerScan 240 (TS240), a new RDC device from Digital Check Corp. Like many RDC scanners, the TS240 can be fed many checks at a time (up to 100), though they pass through the check scanner one at a time by an automated process.

For any number of reasons, two checks can stick together, a phenomenon known as "piggy-backing." The event can cause less sophisticated RDC machines to read one of the checks and bypass the other.

"You could get something on the check, for example if somebody's eating breakfast and gets maple syrup on the check," said Paul Rupple, Director of Marketing and Product Development for Digital Check. "If you're running a restaurant or something, that kind of stuff can happen. Sometimes it's just the paper of the check that causes it to stick. It's a very common problem."

Different checks on piggy-backing

The TS240 has several mechanisms that can identify double checks and prevent piggy-backing from morphing into a larger mishap. For one, Rupple said, if there's any "bleed through" on the magnetic ink character reader line (the magnetic numbers printed on the bottom of every check that contain, among other things, the consumer's bank account number) the TS240 will spot it.

As a precaution, it also checks a check's corners to make sure no other layer of paper lurks underneath. "The checks generally aren't going to line up exactly, and we inspect those corners to see if there's two showing and within milliseconds we can determine if it's a double feed," Rupple said.

Rupple added that some checks contain decoys that can trick some machines into thinking there is a double feed when there's only one check - such as a thick government check whose opaqueness looks like multiple checks, or personal checks that contain drawings of things like cars and domestic pets.

For these, the TS240 has a feature that "thresholds" the image down to its essentials to make it readable. The feature also allows financial documents other than checks, such as money orders and bank receipts, to be scanned and routed to financial institutions.

"Money orders have been a real problem in the industry because they use security paper, which is generally really difficult to handle in scanners or copiers, and because of the security feature, the blotter mark and the security ink they use," Rupple said. "When we scan a [document] we capture a jpeg image; then we threshold it down to a tiff image, meaning we're removing the background but keeping the important document information."

In house diagnostics

Rupple said the TS240 also contains a "franking" feature that acts like a stamp, verifying that a given check has already been run through the scanner. In addition, it has a catch-all device in the event that a problem of any sort arises: a built-in diagnostics program, which identifies the problem on the user's computer monitor and obviates the need for a troubleshooting phone call.

Digital Check Corp.
847-446-2285
www.digitalcheck.com

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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