• Digital Check Patent Marking

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    Updated: May 27, 2022 Digital Check’s products and categories of products may be covered by one or more patents in the United States and internationally. This site provides selected United States and international patent information (patents and patent applications) about certain Digital Check products. Not all Digital Check products are included, and not all patent...

  • Restrictive Endorsement (Indorsement)

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    A restrictive endorsement, or indorsement is a mark made on a check to indicate that it has been deposited or cashed. It is a practice of growing importance in the era of electronic check deposits, where the customer often retains physical possession of a paper check after depositing it through an online or mobile service....

  • Duplicate Deposit / Double Deposit (banking)

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    A duplicate deposit occurs when a someone deposits the same check twice, or deposits it and then also attempts to cash it. This is typically done by first depositing an image of the the check electronically, then attempting to deposit or cash the original paper check separately. This practice was not possible for members of...

  • Cash Automation

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    Cash automation refers to the machine-assisted handling and processing of cash, often in a bank or similar setting. This may include the use of devices such as bill counters, currency dispensers, smart safes, and cash recyclers. While there is no universal definition of what “counts” as cash automation and what does not, is generally accepted...

  • What is a Check Jogger?

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    A check jogger is a simple machine used to straighten large stacks of checks before they’re inserted into a scanner or other mechanical feeder. The check jogger uses a strong vibration to shake the documents until the long bottom edges all line up. (The word “jogger” in this case comes from the lesser-used definition of...

  • Vault – Large-Scale Combined Check and Cash Processing for the Back Office

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    Banks and other organizations that run large-scale vault processing operations need to turn over huge amounts of paper every day, in the form of both cash and checks. For many years, those two types of paper each had their own workflows, often with separate equipment and different software. Vault from Avivatech bridges the gap between...

  • XpressCash – Cash Automation System for Retail Businesses

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    XpressCash from Avivatech is a best-of-breed cash automation platform designed specifically for the retail space. The platform works with most cash recyclers and contains the tools you need manage cash operations at the point of sale or in the retail back-office environment. XpressSCAN For businesses that receive large volumes of checks, XpressSCAN from Avivatech streamlines...

  • CashWare – Cash Automation Software with Universal Cash Recycler Support

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    Cashware cash automation - logosCashWare® from Avivatech is a robust cash automation software package for banks and credit unions. This application suite combines support for almost any make or model of cash recycler with an easy-to-use GUI that integrates directly with your teller system. Even though it’s designed to be simple for your front-line staff to use, CashWare provides greater depth and a more robust feature set for your cash recyclers than the software installed by the manufacturer. In fact, many equipment manufacturers recommend it as their preferred interface, because it lets you use their devices to their fullest potential! CashWare was developed by people with decades of experience in the retail banking side of the business, so it’s been built from the ground up with teller processes and usability in mind. The CashWare suite of applications includes CashWare Advisor, which features powerful tracking, monitoring, and auditing tools that give financial institutions complete visibility of cash operations, all the way down to the individual device level.

  • Image Quality Analysis (banking)

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    Image Quality Analysis, or IQA, in banking refers to the process of evaluating a scanned check image for readability. This generally involves using an automated process to be sure the key information such as the MICR account and routing number, date, and dollar value are all clearly visible in the final black-and-white bitonal image that...

  • On-Us Check

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    An On-Us Check is simply a check that is deposited or cashed at the same financial institution from which it originated. There are two main ways this happens: 1. The person who wrote the check uses the same bank as the person depositing the check — for example, if someone with an account at Wells...

  • Routing Transit Number (R/T Number)

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    The Routing Transit Number on a check, also known as the R/T Number or simply the Routing Number, is what identifies the financial institution at which the check writer’s account is located. Each bank or credit union in the United States has a unique nine-digit identifier that is printed on its customer’s checks, and which...

  • CAR/LAR (checks)

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    CAR/LAR check diagramCAR/LAR is an abbreviation for Courtesy Amount Recognition / Legal Amount Recognition, a technique used in the electronic check clearing process to determine the value of the check. The courtesy amount is the dollar value of the check written in numerals, in a small box at the right-hand edge of checks in the United States. The legal amount is the dollar value of the check spelled out in long-form words, on a line below the courtesy amount. Both the courtesy amount and the legal amount can be either handwritten or printed by machine. In cases where there is a dispute over the value of a check, or when the two amounts do not match, the legal amount is the one considered to have official standing, and “wins” between the two. There are very rare exceptions to this rule; for example, instances of fraud such as alterations to the legal amount, or check washing — the practice of erasing the amount on a check and rewriting it. The “Recognition” part of the abbreviation CAR/LAR refers to the various Optical Character Recogntion (OCR) technologies that machines use to read the letters and numbers on those parts of the check and convert them to strings of characters.

  • Non-Conforming Image (NCI)

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    A Non-Conforming Image, or NCI in banking occurs when a scanned image of a check is transmitted for clearing, but is rejected during clearing, and then sent back (without being processed) to the bank that scanned the check. This may happen for a few different reasons, as explained below. It is important to note that...

  • Protected: Why Use a Cash Recycler in Your Bank Branch?
    It’s All About the Transaction!

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  • Image Thresholding

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    Image thresholding is a process in which digital images are simplified from a full spectrum of colors or grayscale shades, down to a smaller set of selected shades. The example at right shows the most basic form of thresholding, in which any pixel below a certain brightness is converted to pure black, and any pixel...

  • MICR / OCR Mismatch

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    A MICR / OCR mismatch occurs when the magnetic reading from the bottom line of a check or money order does not match the numbers captured in visible light. Most modern teller capture or remote deposit systems “double check” account numbers and routing numbers by taking two separate readings of the characters printed at the...

  • Reader Sorter Machine

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    Reader/Sorter Machines, sometimes called by their nickname “Big Iron” in the banking industry, were large, extremely high-speed devices for scanning and sorting high numbers of documents, most commonly checks. They were usually found in the regional operations centers of larger banks, which collected and processed paper checks from many branches at a time. Reader/sorters were...

  • MICR Head

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    The MICR head is the part of a scanner that reads magnetic ink, such as the characters printed at the bottom of a check. The acronym MICR stands for Magnetic Ink Character Recognition. Check scanners read the magnetic characters, or MICR line, on a check by imparting a magnetic charge to the ink just before...

  • Bitonal Image

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    A bitonal image is an image consisting of only pure black and pure white pixels. There is no shading at all — each pixel is either 100% black (#000000) or 100% white (#FFFFFF). The name “bitonal image” comes from the fact that these two “tones” are the only ones used. It should not be confused...

  • Duty Cycle (scanner)

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    Duty cycle refers to the maximum number of items per day that should be scanned by a device in normal usage. For example, a typical check scanner at a bank teller window might have a daily duty cycle of 3,000 or 5,000 items, while a heavy-duty reader/sorter machine would have a duty cycle in the...

  • Contact Image Sensor

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    A contact image sensor, or CIS, is a specialized type of line scan sensor used in check scanners. While line-scan sensors in general are used to capture images of moving objects in single-pixel “slices,” contact image sensors are specifically designed to do that job from a fixed distance very close to (or nearly in contact...

  • Line scan sensor

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    A line-scan sensor is a specialized technology that uses a row of sensors to capture a digital image in one-pixel “slices” taken in rapid succession. This requires that either the sensor be moving past the subject, or the subject be moving past the sensor. When the capture is complete, the slices are reconstituted into a...

  • Area Scan Camera (Area Array)

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    An area scan, or area array, camera is what most of us would call a “regular” camera. It uses a single exposure to capture an image of a 2D area all at once. This type of device approximates the analog process of taking a picture with a film-based camera – however, modern digital devices are...

  • Teller Capture

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    Teller Capture is the process of scanning checks as they are deposited at the teller window, as part of the customer’s transaction. It should not be confused with branch capture, the practice of scanning many checks from multiple deposits all together in one large batch. Teller capture has several advantages over branch capture, mainly because...

  • Branch Capture

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    Branch capture is the process of scanning all the checks received at a bank branch for electronic clearing. This is often done by collecting all checks received in a single large batch at the end of the day, or sometimes in separate batches at fixed points throughout the day. It should not be confused with...

  • Control Totals (bank deposits)

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    Control totals is an accounting term used for confirming key data such as the number of records and total value of records in an operation. An example of control totals in banking might be when an employee scans a batch of checks, and is first instructed to input the total number of checks in the...

  • Double-feed (Piggyback check)

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    A double-feed, sometimes informally called a piggyback, occurs in check scanning when more than one check at a time is pulled into the paper path. The result is that one check is partially or totally covered up by the document overlapping it during the scan process. Double-feeds can cause serious problems if they make it...

  • Can’t-Read (MICR)

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    A can’t-read is a term that refers to a MICR character that is unreadable when scanned, and produces an error. This is not to be confused with a misread, which happens when one character is substituted for a different character. MICR can’t-read errors may occur for a variety of reasons — one of the most...

  • Misread (MICR substitution)

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    A MICR misread, also called a MICR substitution, is when one character in the magnetic ink on a check is mistaken for another during the scanning process. Not to be confused with a can’t-read, which is when the correct character can’t be determined at all. Misreads are considered to be among the more “dangerous” errors...

  • Single-feed (scanner)

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    A single-feed scanner is a device that accepts only one document at a time. The operator must insert the next item manually once the scanner finishes with the previous one. In contrast, other scanners can be loaded with a stack of many items at once, which are then scanned automatically – these may be called...

  • Exit Pocket (check scanner)

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    Exit pockets are the collecting slots or trays that “catch” checks as they leave the feed path after scanning.The most common setup for check scanners is to have a single exit pocket that collects all scanned checks. Some single-feed scanners have no exit pocket, as they only scan one item at a time, fed by...

  • PDF417 – 2D Barcode Format

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    The diagram at left shows the relationship of an individual codeword to a PDF417 barcode as a whole. The diagram at right shows a single codeword broken down into its 4 bars and spaces, as well as its 17 units of width. It is possible to make 929 unique codewords using this pattern, each of...

  • E13B (font)

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    E13B is one of the two major Magnetic Ink Character Recognition (MICR) fonts used in the printing of checks and other payment documents. E13B is popular in North America and much of Asia, while the other main MICR font, CMC7, is the standard in most of Europe and South America. The E13B font, pictured at...

  • What is a Discriminator Roller?

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    The discriminator roller is an important part of a check scanner’s feed mechanism. It is located opposite the motorized feed rollers, and its job is to provide the right amount of pressure so that only one piece of paper at a time can be separated from the stack of checks in the feeder, and pulled...

  • CMC7 (font)

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    CMC7 is one of two major Magnetic Ink Character Recognition (MICR) fonts used in the printing of checks and other payment documents. CMC7 is popular in Europe and South America, while the other main MICR font, E13B, is the standard in North America and much of Asia. As you can see in the image at...

  • Digital Check Corp. Privacy Notice for California Employees

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    Effective Date: January 1, 2020 Last Reviewed on: January 1, 2020 This California Employee Privacy Notice applies solely to California-based employees, job applicants, contractors or similar individuals (collectively, “employees”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meanings...

  • Glossary of Check Capture and Image-Related Terms

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    ACH — Automated Clearing House. An electronic funds transfer system that processes domestic payments, generally in the form of credits and debits between bank accounts. In that respect, the mechanism is similar to drawing or paying a check. In the United States, The ACH Network is the official ACH processor. Area Scan — or area...

  • Digital Check Corp. Privacy Notice for California Residents

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    Effective Date: January 1, 2020 Last Reviewed on: January 1, 2020 This Privacy Notice for California Residents supplements the information contained in Digital Check Corp.’s Privacy Policy, located at: https://www.digitalcheck.com/privacy-policy/ and applies solely to all Website visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to...

  • Protected: What is Remote Deposit Capture?

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  • SCTA Conference – Sept. 2016

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    The conference is designed to support the association’s mission to protect, strengthen, and unite the cash-in-transit and cash servicing industries. Attendees benefit from informative sessions, networking opportunities, exhibits, and a keynote address. The event attracts professionals and corporations in ATM servicing, cash handling/processing, transportation, and safe keeping of cash and coin.

  • CTS-2010 compliant scanners for cheque truncation with UV recognition capability

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    Digital Check offers a variety of scanners that meet the specifications for India’s CTS-2010 cheque truncation system. Our cheque scanners are available through our partners Forbes Technosys Ltd., Qtel Comtech Limited, and in Sri Lanka through MC Computer Systems Limited. All cheque scanners have been tested for compatibility in India through the Digital Check API,...

  • Product Information

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  • E-Store Inquiries

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  • Become a Digital Check Reseller

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  • Services by Digital Check: Scanner Repair and Replacement

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  • Product Support

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  • Tech Info ?FAQs

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