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Check out our reservoir of information related to check recognition and healthcare payment technologies. We frequently update this section with the latest news, trends, and analysis of the banking and healthcare industries.

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Platform Modernization

Both the financial and healthcare industries are undergoing modernization initiatives in check payments and remittance.  See how OrboGraph is using AI, self-learning and deep learning models to drive innovation in these industries to deliver workflow automation.

Platform Modernization

Modernizing payments in the banking and healthcare industries

AI, Self Learning & Deep Learning Technologies

Optimized AI and deep learning models for the automation of check processing and healthcare posting

Operationalizing AI & Self Learning in Checks

Revolutionizing check processing and fraud prevention for the banking industry

Delivering Healthcare Payment Electronification

Increased accuracy levels, decreased error rate for healthcare payments posting

Product Videos

See how each product/service module of OrboAnywhere and OrboAccess delivers value from our check and healthcare payment platforms

Corporate Video & Podcast

See and hear how OrboGraph incorporates AI, deep learning and self learning technologies into its product suite

Healthcare Payments

OrboAccess automates remittance and payment posting as well as enables full research and business intelligence analysis for RCM companies, clearinghouses, billers, and providers.

Access EOB Conversion

Delivers EOB/EOP electronification with information intelligence via AI and deep learning technologies

Access Correspondence Letters

Extracts posting data and tracks reimbursement progress via workflow management

Access Payment Reconciliation

Streamlines the reconciliation process of ERA, ACH, EOB and checks

Access Patient Payments

Automates patient payments for posting

Access Denial Intelligence

Spotlights trends in denials to reduce receivables via prevention

Healthcare Payments Automation Center

Scalable, reliable, flexible cloud-based hosted data center on Amazon Web Services (AWS)

Check Processing

OrboAnywhere automates paper originated payments (i.e. checks, money orders, drafts) and remittances for balancing and posting while reducing risk and losses in the areas of check fraud, payment negotiability and compliance.

Anywhere Fraud

Transaction and image analysis for on-us and deposit fraud detection of counterfeits, forgeries, and alterations.

Anywhere Recognition

Divergent multi-engine CAR/LAR, ICR, OCR & AI check recognition for the Omnichannel

Anywhere Validate

Validate payment negotiability of paper originated items

Anywhere Payee

Match, read, and validate payees for risk and operational workflows

Anywhere Positive Pay

Payee name verification of business checks using issue files

Anywhere Compliance

Mitigate risk in check payments for OFAC, BSA/AML, UCC, Reg CC, and KYC

Restrictive Endorsement

Automatic validation of restrictive, mobile and non-restrictive endorsements

Traditional Products

Based on the Accura XV platform

check processing

Checks are still ubiquitous across generations. They remain popular, and they are — in spite of repeated premature eulogiesstill alive and well in the world of treasury and B2B.

Let’s say you have a check payment from a friend, or you’re running a small business on check payments, or you’re still getting a payroll check, has a few best practices for you to consider:

Banks still do a lot of check cashing, although check cashers are growing in the unbanked market. Your bank will cash a check and if you don’t have a bank account, you can try to cash your check at any bank, provided that you comply with their requirements. Even so, some banks just won’t cash a transit/non on-us check for a walk-in holder in due course.

But a check is usually like gold when you go to the issuer’s bank to cash your check. Many people choose this option because it almost guarantees that they will get their checks cashed. Since the paying bank has full access to the issuing account details, they can verify funds availability instantly. There are even new image and transaction analysis technologies available which help mitigate check cashing losses against counterfeits, forgeries, and alterations at the paying bank.

But there are challenges in check cashing due to fraud preventative measures. If you are “holding the gold,” consider:

  • Updating your valid ID. Without proof of identity, banks are less likely to process any transaction request, specifically those that involve requesting money.
  • 3rd Party Checks: When the check is not in your name, rather in your personal or business name, it is important to complete your business registration within your state, especially if your business name is attached with a limited liability company (LLC) when depositing checks.
  • When you have too many checks or a big dollar amount to cash: Not all banks can handle big transactions all at once, especially credit unions and smaller branches of national bank chains. Most small banks have encashment limits. When you have a high-value check to cash, call your bank ahead of time and let them know about your request. Your bank will inform you about your options, what you need to do, and other important matters concerning your request.
  • When you have a stale-dated check. There are checks that can only be cashed within a specified period. If you wait too long to cash a check, the bank may refuse your request. In most instances, uncashed checks for six months become stale. Moreover, you cannot cash a post-dated check until the date specified.

New England Patriots defensive end Michael Bennett said that he forgoes direct deposits and instead prefers to get his NFL salary via paper checks — then holds on to them so that he can better manage his money, as revealed in a recent interview on the “Kneading Dough” podcast. Another article by Fansided highlights his money management technique.

“I keep my checks until the end of the season to make sure I don’t spend any money. And then at the end of the season, I deposit it,” said Bennett, who initially signed with the Seattle Seahawks in 2009 as a free agent.

Some tips for Bennett when it comes to holding on to old checks for a length of time are offered at the Bankrate site. Watch out for stale dates, Michael! From the Patriots (payer) perspective, management and reconciliation of outstanding checks could present some challenges to their account department. The Payroll Blog suggests a number of tips for balancing outstanding checks.

Modernizing the process of check cashing, check deposits, and fraud prevention are initiatives the banking industry are pursuing right now — a huge help for those of you with “gold in your pocket!”

This blog contains forward-looking statements. For more information, click here.

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