System Functionality
Are the transmissions of batches secure?

All transmissions are secured using SSL encryption.

Does the application scan in front/back of each check image?

Yes. With a single pass through the scanner, the front and back of the check are image captured at the same time CAR/LAR, DREAM, IQA/IQU, Duplicate Detection, and MICR processes are completed, information is read, and routing transit numbers are validated.

Does the application perform realtime R&T check digit validation?

Yes. The application only allows valid U.S. transit routing numbers to be captured, as foreign transit routing numbers and non-valid U.S. transit routing numbers are rejected immediately by the application. For invalid numbers, users are notified that the items should be removed because they cannot be included with the deposit.

Does the application allow the user to enter any additional user-defined fields as complementary transaction information?

Yes. The system allows for user-defined fields with varying lengths at either the Deposit or Item level. This functionality will require detailed analysis for setup and configuration.

Are there different levels of user access available?

Users have access to perform different functions within the system based on the User Profile. For example, some users may be able to capture and correct items, but not actually submit the deposit to JGB Bank. Capture Items, Balance Deposit, Reports, Change Account Descriptions, Research Date, and System Administration are just a few of the examples of privileges that can be granted to individual users

Does the application read and interpret check amounts with ICR/confidence-level criteria, and prompt the user to enter check amounts for items not within specified confidence levels?

The application utilizes CAR/LAR technology to attempt to read the amounts off checks. If the amounts can not be read, the items are sent to a queue that the user is prompted to key.

Does the application generate a batch receipt by e-mail which contains all transactions within one batch of work and the associated amounts of each check?

Utilizing the Thin Client, a batch receipt or deposit recap report will be available via the Internet. Utilizing the Smart Client, a batch receipt or deposit recap is available locally at the Merchant PC and via the Internet. A notification e-mail will be sent to the merchant customer that will contain basic information about the deposit, total number of items, total amount of the deposit, and a masked account number. The specific check items are not included in the e-mail for security purposes.

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