› Transformation Designer user interface › Locator methods › Properties of Check Locator window › Settings tab - Properties of Check Locator

Settings tab - Properties of Check Locator

Use these settings to configure how a check is recognized.

Country

Select a country where the check originates. Your selected country determines what settings are available.

The value for this setting is set to United States by default.

A scrollbar is available to view the following possible settings:

General

This group has the following settings:

Enable detection of image defects

This setting is available for all countries.

Select this setting to indicate when issues with an image are encountered. Many IMAGE_USABILITY_FRONT and IMAGE_USABILITY_BACK values are returned by this locator for this setting. If a value is returned in the Text column, the check has the corresponding issue to a degree. Lower values do not tend to interfere with the extraction results, but higher values can interfere. Higher values may indicate that additional image cleanup is required before the check is processed.

This setting is cleared by default.

Enable advanced accuracy

This setting is available when the Country is set to United States only.

When selected, this setting uses a different method to extract check information and does not cross-validate the courtesy and legal amount values. The Stream mode and Transport mode settings are also disabled and hidden.

Ensure that you test the extraction results with and without the Enable advanced accuracy setting selected. This ensures that you are choosing the best amount extraction settings for your check reading needs.

This setting is cleared by default.

Enable usability detection for fields

This setting is available when the Country is set to United States, Brazil, France, and India. Each of these countries has a different behavior for this setting as follows:

  • United States

    When the Country is set to United States, the following behavior occurs:

    For each field on the front of a check, the following three criteria are listed on the Test Results tab. A Text value equal to -1 indicates an extraction error for this field.

    • FIELD_USABILITY_<FIELD>_PRESENCE.

      The closer the Text value is to 100, the more confident the recognition engine is that this field is present on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not present on the document.

    • FIELD_USABILITY_<FIELD>_READABILITY .

      The closer the Text value is to 100, the more confident the recognition engine is that this field is readable on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not readable on the document.

    • FIELD_USABILITY_<FIELD>_ISHANDPRINT.

      The closer the Text value is to 100, the more confident the recognition engine is that this field is handwritten on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not handwritten on the document.

    In addition, three fields on the back side of a check have the following three criteria listed on the Test Results tab. A Text value equal to -1 indicates an extraction error for this field.

    • FIELD_USABILITY_<FIELD>_ENDORSEMENT_PRESENCE.

      The closer the Text value is to 100, the more confident the recognition engine is that this field is present on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not present on the document.

    • FIELD_USABILITY_<FIELD>_ENDORSEMENT_READABILITY.

      The closer the Text value is to 100, the more confident the recognition engine is that this field is readable on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not readable on the document.

    • FIELD_USABILITY_<FIELD>_ENDORSEMENT_ISHANDPRINT.

      The closer the Text value is to 100, the more confident the recognition engine is that this field is handwritten on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not handwritten on the document.

  • Brazil

    When the Country is set to Brazil, the following behavior occurs:

    The list of fields that are extracted for Brazilian checks are checked for their presence only. This means that several instances of FIELD_USABILITY_<FIELD>_PRESENCE are listed on the Test Results tab.

    The closer the Text value is to 100, the more confident the recognition engine is that this field is present on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not present on the document.

  • France

    When the Country is set to France, the following behavior occurs:

    The list of fields that are extracted for French checks are checked for their presence only. This means that several instances of FIELD_USABILITY_<FIELD>_PRESENCE are listed on the Test Results tab. This includes the endorsement on the back of the check.

    The closer the Text value is to 100, the more confident the recognition engine is that this field is present on the document. The closer the Text value is to zero, the more confident the recognition engine is that this field is not present on the document.

  • India

    When the Country is set to India, the following behavior occurs:

    A single CTS_COMPLIANCE value is displayed in the Test Results tab. CTS compliance is a usability metric for checks from India. Instead of listing the presence of several fields, the CTS value indicates if a check is CTS compliant or not. The closer the Text value is to 100, the more confident the recognition engine is that the check is CTS compliant. The closer the Text value is to zero, the more confident the recognition engine is that this check is not CTS compliant.

This setting is cleared by default.

Stream mode

Select from one of the following possible stream modes:

  • Personal.

    Select this value if your documents are 99.5% personal checks.

  • Personal and Business.

    Select this value if your documents consist mainly of personal and business checks with a few IRDs and cash tickets.

  • Personal, Business and Deposit Slips.

    Select this value if your documents include personal and business checks, IRDs, cash tickets, and deposit slips.

  • All.

    Select this value to recognize personal checks, business checks, IRDs, cash tickets, deposit slips, and money orders. This is the default value for this setting.

Document type hint

If you know the type of document that is processed, all recognition results improve. Select from the following:

  • Unknown.

    Select this value for an unknown document type. This is the default value for this setting.

  • Money Order.

    Select this value for a money order.

  • Not Money Order.

    Select this value for all other document types with the exception of a money order, gift check, or travelers check.

  • Deposit Slip.

    Select this value for a deposit slip. This document type is recommended when boxed custom amount fields are used.

  • Business.

    Select this value for business checks.

  • Internal.

    Select this value for an internal document.

Transport mode

If you know the type of hardware used to scan a document this can help improve the recognition results. Select from the following:

  • 7780. This is the default value for this setting.

  • 3890.

  • E Series.

Amount

This group is available for all countries except Italy and has the following setting.

Recognize amount

If selected, the amount is extracted from the check. The locator returns several subfields for the amount. How you map these subfields depends on your specific requirements. See the Check Locator amounts topic for more information on field mappings and the different amount subfields that are available.

MICR

This group is available for all countries except Australia, Dominican Republic, New Zealand, Papua New Guinea, and Portugal and has the following setting.

Recognize MICR line

When selected, the MICR line on a check is recognized. There are several subfields for the MICR line. How you map these subfields depends on your specific requirements.

If there are two MICR lines on a check, the line that is located along the bottom of the check is the value that is recognized.

Date

This group is available for the United States, Brazil, Canada, Ecuador, France, and India only.

Recognize date

When selected, dates within 3 months of the current processing date are recognized. Dates written in any format are recognized, but converted to a standard format.

Use custom reference date

If you are processing checks that are older than 3 months, specify a custom reference date that is closer to the check date so that they are successfully processed.

Top line

This group and its settings is available when the Country is set to Brazil only.

Recognize top line

When selected, the group of characters across the top of a Brazilian check are extracted as a single value. This group of numbers includes several pieces of information such as the bank number, agency number, account number, check serial number, and an internal processing number, but not limited to these pieces of information or this order.

The extraction results are not highlighted.

Place of issue

This group and its settings is available when the Country is set to Brazil only.

Recognize place of issue

When selected, the place of issue is extracted. This data is typically located on the same line, but left of the date. This value is not highlighted.

Payor ID

This group and its settings is available when the Country is set to Brazil only.

Recognize payor ID

When selected, the ID of the account holder is extracted. This number is typically printed under the signature line along with the rest of the account holder information.

Account number

This group and its settings is available when the Country is set to India only.

Recognize account number

The account number is typically printed in machine print on the front of the check and then hand printed on the back of the check. When selected, both sides of a check are processed to find the account number.

This value is not highlighted on the image.

Payee

This group is available when the Country is set to United States only.

This group has the following settings:

Recognize payee

When selected, the payee line on a check is recognized. Payee recognition works best when paired with a dictionary of predefined payee values.

When selected, the Dictionary setting is mandatory.

Dictionary

Add a dictionary that contains words that are likely to appear for the payee. Dictionaries can significantly improve recognition.

Dictionary files must be a text file in ASCII format that contains a list of keywords. Each keyword must be listed on a new line with no spaces or other white space.

Dictionary coverage

Since payee recognition is closely integrated with user dictionaries, configure the expected percentage of checks that match the predefined names listed in the user dictionaries. The higher the value, the more likely the payee value is present in a user dictionary.

The value for this setting is set to 0% by default. This means that the payee value on a check is not likely present in the dictionary.

Payor block

This group and its setting is available when the Country is set to France only.

Recognize payor block

Select this setting to extract the name and address of the account holder that is typically printed in a block in the middle of the check.

This block is not highlighted when recognized.

RLMC

This group and its setting is available when the Country is set to France only.

Recognize RLMC

Select this setting to extract the RLMC (Recomposition de la Ligne Magnétique) number. Although this number does not appear on all checks, when it does the number is located in the lower right-hand corner and enclosed in parentheses.

This value is not highlighted when recognized.

Check number

This group and its setting is available when the Country is set to United States only.

This group has the following setting:

Recognize check number

Select this setting to recognize the check number that is typically printed in the top-right corner of the check.

This setting is cleared by default.

Cashing restrictions

This group and its setting is available when the Country is set to Chile only.

Recognize cashing restrictions

When selected, certain restrictions related to checks are looked for during extraction. This locator returns three subfields for each of the cashing restrictions.

This setting looks for the following behavior:

  • If there ware two vertical parallel lines down the check, this means that the check cannot be cashed, only deposited. This corresponds to the CASH_RESTRICTION_DEPOSIT_ONLY subfield in the locator extraction results.

  • If the "o al portador" phrase is scratched out or has a line drawn through it, any person can cash the check, not just the payee. This corresponds to the CASH_RESTRITION_NO_ORDER subfield in the locator extraction results.

  • If the "a la orden de" phrase is scratched out or has a line drawn through it, a person appointed by the payee can cash the check. This corresponds to the RESTRICTION_PAYEE_ONLY subfield in the locator extraction results.

If one or more of the above scenarios is found on a check, the corresponding subfield has a value of 1. Otherwise, it has a value of 0.

This setting is cleared by default.

Required Licenses

The list of licences that are required when this project is put in production depends on what is selected in this locator. The following licenses may be needed:

  • Check Processing Worldwide

  • Check Usability

  • Check Processing US High Accuracy