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How Check Imaging Works

 

What Deposit Automation Can Do For You

Check Imaging

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Opteva Intelligent Depository Module™

Diebold’s check imaging technology begins with our intelligent depository module™ (IDM).  Diebold’s IDM is available in both single feed and bulk feed varieties.  Both modules can accept and process checks and bill payment documents.

Diebold’s bulk document intelligent depository module - IDMBD – offers the same design, reliability and features available on our fifth generation IDM, plus:

  • Accepts stacks of up to 30 checks or bill payment documents
  • Accepts any insertion orientation for consumer ease of use.  Can even magnetically read and process checks inserted face down.
  • Can return individual checks from escrow or the entire stack, if the customer chooses to cancel the transaction.

Here’s how the system works:

  • Accepts individual checks without an envelope.
  • Captures an image of both sides of the check.
  • Reads courtesy amount without customer input.
  • Detects and reads the MICR line.
  • Displays check image and courtesy amount on ATM screen for customer verification.
  • Check is held in secure area and is returned if customer rejects transaction.
  • Prints on either front or back of check.
  • Deposits check in a secure area, separate from ATM currency.

Click here to view a video about Opteva's Intelligent Depository Module. (Requires Quicktime plug-in)


The Diebold ImageWay ATM solution is comprised of three layers of technology.  Diebold's Intelligent Depository Module™ (IDM) provides the hardware component of our check imaging technology and serves as the first layer.   With over 15 years of experience and continuous improvement, you can be assured of an exceptional level of reliability...the key to a positive consumer experience.

The Diebold IDM and IDMBD

  • Most reliable paper throughput...accepts creased, crumpled, or curled checks
  • True double check detection
  • High capacity sequential check storage in lockable bin
  • Exception bin allows separation of checks according to your business processes
  • Detects and reads MICR line in E13B and CMC7 formats
  • Flexibility to configure for multiple check insertion orientations
  • Suspicious magnetic sensing can detect photocopies

The Diebold Recognition Subsystem serves as the second layer and offers best in class character recognition and image quality analysis. The Diebold Recognition Subsystem reads, analyzes and manages the check image while it resides at the ATM.

Diebold’s Recognition Subsystem is available on all Diebold Opteva and ix ATMs.  The recognition subsystem is application and vendor independent, enabling consistent image analytics to be performed across the ATM network.  Our technology can even accept OCR documents enabling bill payments at the ATM.

The third layer of Diebold’s solution features ImageWay server solutions, giving you the flexibility to configure your ATM network for your current and future needs.  Choose the solution that fits your environment.

Third Party Solution
ImageWay ATM uses industry standard message formats for assured delivery of deposit transaction to a third party server. Interface the ATM directly into an existing check imaging environment.

Diebold In-House or Outsourced Service Solutions
Utilize ImageWay for an enterprise distributed capture solution with check processing and clearing services performed by Diebold.  ImageWay ATM can be deployed as a stand-alone solution or as a strategic component of an enterprise-wide distributed capture model that includes Branch and Remote Deposit Capture for business customers.  Start with the capture point of choice and move into an enterprise model at your own pace.