Skip to content

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


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.


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!

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

Contact OrboGraph

Speak to one of our Check Processing Specialist

Review your needs with an OrboGraph expert.

Sign up below for your complimentary assessment or to request
estimated solution pricing from OrboGraph.