MobiCHECK is a mobile check deposit solution that allows bank customers to deposit checks using their mobile devices anytime, anywhere. It uses the device's camera to take photos of checks and intelligently processes the images using Top Image Systems' APMI technology. The solution integrates with banks' core systems and provides a simple user experience for remote check deposit on mobile.

1. MobiCHECK
Remote check deposit
TIS Mobile: Bringing You the Next Generation of Remote Deposit Capture
MobiCHECK Easy, Quick Remote Check Deposits - Anytime, Anywhere!
MobiCHECK lets banks offer their customers a uniquely simple yet reliable way to deposit
checks – via mobile devices
MobiCHECK, developed by Top Image Systems, lets banks offer Using a camera-equipped mobile devices, one simply takes a
customers the optimal user experience - the ability to deposit photograph of the check for deposit – and MobiCHECK does the
checks without having to go anywhere – not to the bank, not even rest of the work. The system interfaces with the bank’s server to
to an ATM. With check and mobile devices in hand, they can authenticate user credentials, processes the image and extracts all
deposit checks anytime, anywhere. MobiCHECK provides banks required data, and then interfaces again with the bank core system
with a secure solution that integrates with core systems and deploys via CHECK21 protocol to accept the check. MobiCHECK sends
innovative capture and recognition algorithms to enable quick and a confirmation message to the user upon successful deposit, or a
secure deposit of checks via mobile devices. notification if there is a problem.
MobiCHECK was designed to allow banks to provide their MobiCHECK leverages “APMI” technology developed by TIS to
customers with excellent deliver easy-to-use “auto-capture” functionality. APMI (Automatic
user experience and Perfect Mobile Image) guides the user to hover with the mobile
add e d v a l u e w i t h o u t devices above the check; in the split second that the APMI
compromising on data technology identifies that conditions are sufficient to take the picture
quality or security. (based on lighting, angle, distance, stability and other parameters)
The critical aspect of it automatically takes the picture. The APMI-based application
the user experience is also helps the user by hinting how the handset should be held
the ease of capture; our (e.g. - closer, turn right, tilt down) in order to improve image quality.
auto-capture algorithm, Intelligent Recognition Consequently the user avoids time-consuming repetitive image
based on our patented creation, examination, enhancement and rejection. A high-quality
MICR recognized
A P M I t e c h n o l o g y, on the handset image of the check is captured the first time out.
creates a pleasant,
hassle-free application MobiCHECK can be provided as either a standalone application or
environment for the user. as a set of libraries that can be integrated into a bank’s broader
Users will enjoy how Use mobile devices
mobile services platform. As MobiCheck is modular, it offers
quickly and conveniently
camera to photograph complete flexibility to delivery partners and clients alike.
checks
they can capture
and deposit checks
via m o b i l e d e v i c e s -
anywhere, anytime.
Capture the mobile world. TIS
Top Image Systems

2. TIS Mobile Solutions
MobiCHECK – integrates with the TIS Banking Platform
The MobiCHECK application can integrate with the TIS Banking The TIS Banking Platform overcomes the banks’ “envelope gap”
Platform, a best-in-class document and data capture and workflow by automating and digitizing document-driven banking processes
solution tailored for banks. The banking industry has undergone such as check deposit and truncation, fund transfer, account
changes that have forced Core Banking systems to provide a administration and many others. By employing MobiCHECK together
better response to banks’ IT needs. These needs are expanding with the TIS Banking Platform, banks can offer their customers the
in response to growing competition, regulation and volatile global fastest, smoothest, most accurate and reliable check processing
market conditions. However, the “outer envelope” of the bank is experience possible. By accelerating both the external and internal
still dependent on forms, paper documents, manual processes and steps in the check processing workflow, the bank can speed fund
cumbersome procedures that decrease profitability and impair the transfers and account reconciliation to ensure its account holders
customer experience. optimal customer service.
Digital Credit Invoice
Fund Account Check
MobiCHECK MobiPAY Mailroom Lockbox Card Reader
Transfer Admin Truncation
Admin
Banking Layer
Application Designer Signature Maker/ Automatic Manual Mobile Banking API to Core
for Banking Verification Checker Balancing Balancing Server Banking System
Core
Application Designer Capture Classify Process Validate Deliver API
Intelligent Recognition Mobile Image Enhancement Archive
Workflow
For more details:
To p I m a g e S y s t e m s N o r t h A m e r i c a n H e a d q u a r t e r s
1350 Avenue of the Americas, 2nd Floor
N e w Yo r k , N e w Yo r k 1 0 0 1 9 U S A
Te l : +1 646 599 9170
Fax: +1 781 245 2999
w w w. t o p i m a g e s y s t e m s . c o m
Top Image Systems