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AI Innovation

Both the financial and healthcare industries are undergoing an AI evolution. Review our vision for Artificial Neural Networks (ANN) and deep learning targeting these industries.

AI and Deep Learning-Based Check Processing

Check recognition & fraud detection are the most important components in today's check processing and omni-channel capture. Learn how OrboAnywhere using OrbNet AI technology reduces costs and mitigates risk for any check image capture workflow.

AI-Based Healthcare Electronification

OrboAccess, powered by OrbNet AI, provides electronification to remits and payments, enabling RCM companies to automate posting, improve research, and deliver business intelligence

About Us

Celebrating 25 years of innovation, OrboGraph has transformed into an AI company delivering targeted automation solutions to the banking and healthcare industries.

Resources

From news and events to case studies, trends, and videos, this section provides a range of information resources for payment automation in the banking and healthcare industries.

Blogs

OrboGraph produces four blog series on a weekly basis covering topics from check processing, fraud prevention, AI technologies, RCM, and healthcare electronification. Select one the blog to the right. We hope you enjoy!

Check Washing is Still Prevalent…How Can Banks Catch It?

  • Checks can be "washed"
  • Many businesses buy checks with anti-fraud features
  • Deploying forensic AI technology thwarts "check washers"

Since checks are most often delivered by mail -- via what are generally non-secure receptacles that can be emptied by any sticky-fingered thief willing to open a public mailboxes or stolen directly from home mailboxes --- they are extremely vulnerable to what is known as "check washing." This scam involves a person illegally obtaining a check and then utilizing chemicals to remove ink and change certain fields (typically the payee and amount).

The YouTube channel Ask Sileo features a very detailed primer on how check washing is performed and why businesses use high security checks to help prevent fraud.

In the video, John Sileo compares the effects of "check washing" on a regular check and one that has security features included in the paper, printing ink, and even the pen used to fill it in. It quickly becomes clear that an unprotected check can fairly easily be made into a template for a fraudulent payment made out in any amount to any person or entity.

High Security Checks as a Preventative Measure

High security checks are specially made to deter fraudsters. While they are a bit more expensive, they offer a host of protections against fraudsters who may pilfer checks from mailboxes or other nonsecure storage.

Additionally, Mr. Sileo recommends businesses use security pens that utilize formulated gel ink that cannot be dissolved by the common chemicals used in check washing (we recommend you not get any of this particular ink on your clothing!).

But, while high security checks and pens have their benefits, is it enough? The simple answer is no, specifically now that the fraudsters are utilizing mRDC as their deposit channel.

Overcoming The Technology Gap

The weakness of high security checks is that it unless the check is deposited at a bank location where a teller is able to examine the physical check, the chances that the fraud is spotted is much lower.

Fortunately, there are tools readily available for banks to overcome the technology gap. A great first step is deployment of a positive pay system that leverages AI technology to read the payee field accurately on the check to match with a payee issue file provided by the business. This will ensure that the funds are deposited to the intended payee.

Next, Check Stock Validation (CSV) leveraging AI Technology is an effective tool to identify missing or altered security features, as well as inconsistencies in the check like, for instance, different fonts. With CSV, a profile of previously cleared good checks is created, including positioning of security features such as foil hologram. If one of these features are washed and added back, CSV can detect the issue and alert the bank before the check can be cleared.

Finally, engaging forensic AI technology for automated signature verification (ASV). When a fraudster washes the check, the signature will most likely also be washed away during the process, forcing to fraudster to trace, recreate, or sign a phony signature on the check after it is dried. Forensic AI ASV, as utilized by OrboGraph, activates 512 feature vectors on every signature to analyze attributes via “forensic screening.” You can get more details in the Forensic Document Examination interview.

Check Fraud Platform Review with checks for hero v6-01

As long as checks continue to be delivered via mail, there will always be the inherent threat of criminals stealing them for nefarious purposes. Banks can better protect themselves and their customers by deploying innovative technologies to ensure that the check payments are legitimate.

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