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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)

Modernizing RCM with AI

An informative resource to assist RCM companies in understanding how to solve today's problems with the help of AI.

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

Modernizing Omnichannel Check Fraud Detection

An informative blog series exploring payments fraud and image technologies used to fight financial crimes.

Restrictive Endorsement (REE) Validation

AI and Deep Learning designed for restrictive endorsement risk scenarios.

Restrictive Endorsement (REE) Validation

Restrictive Endorsement (REE) is new validation within Anywhere Validate.  REE is designed for financial institutions (FI) and corporate depositors to address RDC indemnities as well as check fraud risk.


The July 1, 2018, Regulation CC Amendments are now active (for more details, see Reg CC Resources). Financial institutions offering remote deposit capture (RDC) and mobile remote deposit capture (MRDC) can better protect themselves and their clients from duplicate item indemnity claims by requiring and validating the presence of a restrictive endorsement on the physical check or negotiable instrument consistent with an RDC or MRDC deposit.


Additionally, financial institutions can deploy REE on teller, branch and ATM check deposit workflows to block checks with RDC or MRDC endorsements.


Restrictive Endorsement Risk Scenarios


Duplicate check deposits continue to be a point of risk for financial institutions for a variety of scenarios:


  • Customer scans a check(s) through RDC or MRDC, then deposits the papercheck via another channel, i.e. ATM or teller line
  • Fraudsters scan check image(s) via RDC/MRDC at initial FI, then deposits paper check at a second FI
  • Fraudsters deposit check image(s) via RDC/MRDC to multiple FI’s
  • Fraudsters deposit check image(s) via RDC/MRDC, then cashes the checks at a money services business




 By utilizing Artificial Intelligence (AI) and Deep Learning technology, the system classifies and identifies a range of restrictive endorsement layouts and scenarios, including:


  1. “For Deposit Only”
  2. “For Mobile Deposit Only”
  3. Presence of marked check box for MRDC
  4. Endorsement present; non-restrictive
  5. Endorsement missing
  6. Note: The system automatically ignores virtual endorsements.


Over time, the system is trainable to identify other restrictive endorsement verbiage or image characteristics. Contact OrboGraph to discuss specific requirements of your financial institution.


The Owhere Test Cloud is available as a test system for REE.  OrboGraph business partners, banks, corporations or MRDC/RDC clients can use the system to test images on the performance of REE as well as run tests on their image samples to identify percentages back images with and without restrictive endorsements.  Testing can be completed via direct API calls to the system, or via the Anywhere Examiner testing tool.


Utilization of the Owhere Test Cloud must be coordinated with OrboGraph. Click the button below to schedule a test.

Schedule REE Validation Test on the Owhere Test Cloud

Restrictive Endorsement Validation Brochure

Reg CC Resources

Reg CC Industry Resources

Press Release

OrboGraph Announces New Restrictive Endorsement Validation as Reg CC Rule Changes Go into Effect

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