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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.

  • ABA reported a significant check fraud uptick in 2018 data
  • B2B payments are still dominated by checks - leading to more opportunities for fraud - is it overrated?
  • Assessing real-time, Positive Pay fraud systems with image can stop fraud at various stages of the workflow

Corporate Payments Landscape: Checks Still Rule in B2B

The Wall Street Journal recently published a piece speculating as to whether the rise in check fraud could lead corporate treasurers to move away from paper checks completely -- even though they are currently the most-used business-to-business payment method -- and replace them with faster, perceived safer and lower cost electronic payments.

An Association for Finance Professionals survey in September, however, found that checks are still the most popular payment method for transactions between U.S. businesses; they are not going away in the foreseeable future.

The AFP survey also found a staggering amount of U.S. organizations, 82%, were victims of fraud or attempted fraud in 2018. 

Electronic payment companies will use this data to undermine the stability and security of the check by highlighting the increase in attempts—$15.1 billion in 2018, up from $8.5 billion in 2016—and losses of $1.3 billion, a rise from $789 million in 2016.

But note the nuances of the 82% number cited in the WSJ story; it actually encompasses both "fraud or attempted fraud." If you apply the percentages of prevention from the ABA study (1.3B losses/15.1B attempts = 8% successful fraud), could be it be that only 8% of the 82% (fraud or attempts) were true losses? Either way, what else can be done to "lock down" corporate and small business checks?

A Legacy System to the Rescue

As related in a Springfield Business Journal opinion column by Dee King, Guaranty Bank Corporate Services Director Ashlee Radford asked a room of more than 100 business leaders to raise their hands if they knew about the Positive Pay system. Only a few hands went up.

Positive Pay is an underutilized fraud prevention system, an easy solution to help protect a business from check fraud. It’s offered by most banks and helps protect businesses from having their checks forged. (But don't forget about alterations!)

The Association of Certified Fraud Examiners estimates the typical organization loses 5% of revenues per year because of fraud. Businesses can help protect themselves by investing a small amount of time and money in systems like Positive Pay. Even with electronic payments gaining in popularity as a predominant payment method, paper checks are still used extensively and will be for the foreseeable future.

Positive Pay systems are not new, but are a proven solution for the paying bank. These systems can be enhanced by adding a layer of imaging, recognition, and validation to the mix to reduce B2B check fraud.

Assessing Positive Pay Fraud Systems

Most banks have systems deployed where positive pay only matches serial number and amounts. Advancements in optical character recognition and payee matching have revolutionized Positive Pay systems, allowing for a comprehensive approach that matches the payee name to payee issue file source, building a strong deterrent to payee alterations.

Furthermore, new technologies can validate additional fields like signature, date, and payor to provide a more robust fraud process. Banks, credit unions, financial institutions, and corporate entities need to do their due diligence to fully assess the capabilities and technologies of fraud systems, while identifying specific alteration, forgery, and counterfeit use cases detected by the system.

In another article looking at what Corporate Treasurers can expect in the year ahead, warns that fear of fraud and security breaches -- not just incidents --will increase, which just adds an exclamation point to the need to adopt tools like Positive Pay.

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