Canon CR-180 Brochure
OVERVIEW
Financial institutions, banking offices, credit unions, merchants, and other
intermediaries are adopting new methods for processing check payments and
deposits as a result of the Check 21 Act. The Check Clearing for the 21
or Check 21 Act, was signed into U.S. law on October 28, 2003. Designed to foster
innovation in the American payments system, Check 21 enhances efficiency by
reducing many of the legal impediments to check truncation.
Prior to Check 21, checks were processed in a centralized manner: Once received
at bank branches, ATMs, merchants, intermediaries, etc., checks were physically
transported to an operations center for back-end processing where functions such as
encoding, proofing, balancing, and sorting were performed before being sent to the
Federal Reserve for final processing. This was a lengthy and costly manual process,
and checks were physically returned to the customer with their monthly statements.
Today, with the advent of imaging technology and the enactment of Check 21, checks
no longer require manual transportation and central processing. Instead, check
t
s
Century Act,
images can be sent electronically, either to a central processing bank or directly to
the Federal Reserve Bank with an Electronic Cash Letter (ECL).
The Canon CR-180 and CR-55 Check Transport devices, together with the featured
software applications listed in this brochure, are the vehicles driving the adoption
of Check 21, enabling financial organizations of all sizes to gain the benefits derived
from decentralized check image processing.
Compatibility T able
s a compatibility list that is consistently being updated. For the most current list, please visit Canon U.S.A.’s Web site
i
at
www.usa.canon.com, and click on the CR-180 orCR-55 product page to find the listing.
with many of the industry’s leading Check 21 solution providers. This
COMPANY PRODUCT CR-180 CR-55
Canon’s CR-Series CheckTransports have been tested for compatibility
dvanced Financial Solutions, Inc. ImageVision •
A
nderson Imaging Group AIG Scan •
A
perta VPTA+, VRPA+ ••
A
quracy LLC AQURIT
A
udioTel Corporation Genesys Imaging •
A
utomated Systems, Inc. Insite Check Imaging ••
A
ankWare ImageCentre •
B
luepoint Solutions, Inc. C21Capture™ •
B
®
•
•
Business Imaging Systems, Inc. Mobilis Professional, MasterScan Check •
C&A Associates, Inc. ImageMaster Suite (ImageChex Express products) ••
Captovation Incorporated Captovation CheckCapture ••
Carreker Corporation Source Capture Suite/Corporate Capture™, Source Capture Suite/Branch Capture™ •
ChexDirect, Inc. ChexDirect ARC •
Community Banking Systems, Ltd. net.check •
Contact Innovations, Inc. ImageArchive Check/Cheque •
COWWW Software COWWWScan •
Data Financial Business Services, Inc. ChekScan Pro, Draft Conversion Plus ••
Datamonics Check Pro 21
™
•
DocuWare Corporation DocuWare •
EFC Systems, Inc. DigiFunds Pro, DigiFunds SE (CR-55 only) ••
Financialware, Inc. Active: View
Fiserv Imagesoft Nautilus
®
®
QuickCapture
™
• •
••
Genikon Corporation Archive Plus •
InfoDynamics, Inc. INTACT, inCHECK
™
•
Integrated Financial Systems, Inc. OdinCheck-21 •
Integrated Scanning of America, Inc. IsaIms, IsaIms.NET •
Jaguar Software Development, Inc. MirrorImage ••
™
Jara Diversified Services Draft Conversion Plus
aserfiche Laserfiche •
L
, Draft Control Processing System •
MICR Automation, Inc. MICR Image 21 •
National Source One LLC GoldCheck21 •
Northwest Bank Technology, Inc. Mips Image Capture, Branch Capture ••
Pegasus Imaging Prizm IP, Prizm IQA, ScanFix, Prizm Viewer •
recision Software Technologies, Inc. EZ-Scan
P
™
•
•
PSIGEN Software, Inc. PSI:Capture for Checks ••
Reed Data, Inc. 2020DOC
®
•
ScanPoint, Inc. EasyFile Check21 •
Software Earnings First Touch iCapture •
®
SortLogic SYSTEMS, a division of Omni-Soft, Inc. SortLogic
Remote Deposit Capture, SortLogic®DPX Transport Interface •
Technology Management Resources, Inc. Citation e-Remit ••
Turbotransactions, Inc. CheckData ••
Vsoft Corporation eDesk Capture •
Wausau Financial Systems Optima3 •
Disclaimer: Canon presents this table to illustrate third-party companies that have independently tested Canon’s CR-180 and CR-55 Check Transport devices for compatibility with their products. Canon does notwarrant or
guarantee these third-party solutions in any way. Canon has no responsibility for use of these third-party productsand solutions or their compatibility with Canon products in any way.
Note: If a scanner does not show a circle with a particular software, it simply means that testing is currently under way. For the mostup-to-date list, please visit Canon U.S.A.’s Web site at www.usa.canon.com, and click on
the product page of the CR-180 or CR-55 Check Scanner.
Check 21 Workflow Applications
heck 21 facilitates check truncation by creating a new
C
negotiable instrument called a substitute check or Image
Replacement Document (IRD) that permits banks to truncate
original checks, to process check information electronically, and to deliver
substitute checks to banks that want to continue receiving paper checks.
1. Front Counter/
Teller Capture
Teller
• CR-55 at Teller
• 3,000 items/day
Central Processing Bank
Bank Branch
• Capture Image at Point of Presentment
A teller receives a check deposit or payment at
a local bank branch. The check is scanned at
the point of presentment and the bank uses
a check processing software solution with the
CR-55 to send the image of the check to a
central processing bank or directly to the
Federal Reserve Bank for processing.
The following illustrations describe four current
check payment trends in the U.S. market: 1) Front
Counter/Teller Capture; 2) BackCounter/Branch
Capture; 3) Remote Deposit/Merchant Capture;
and 4) Remittance/Lockbox Processing.
3. Remote Deposit/
Merchant Capture
Merchants
• Retail Stores
• Utilities
• Accounting Offices
• Mom and Pop Shops
• Doctors’ Offices
Customer-facing businesses—such as retail
stores, utilities, and doctors’ offices—accept
checks for payments. Depending on the volume
and if they process the checks at the point of presentment or in batches, the business can utilize
either the CR-55 or CR-180 to transmit received
checks electronically to their bank for deposit.
• Any Business
Accepting Checks
• CR-180 or CR-55
(depending on volume)
2. Back Counter/
Branch Capture
Teller
• CR-55
• 3,000 items/day
Bank Branch
• Capture Image at Point
resentment and/or
P
of
as Batch Processing
At larger bank branches, the tellers accept the
checks at the front counters and could scan them at
this point of presentment with the CR-55, or they
may batch scan them at a back counter at specified
times during the day. Using the check processing
software with the CR-180 or CR-55, the images are
then sent either to a central processing bank or
directly to the Federal Reserve Bank for processing.
• CR-180
• 20,000
items/day
Federal Reserve Bank
Paying Bank
Customer Statement
4. Remittance/
Lockbox Processing
Postal
Letter
• Batch Processing
•
CR-180 or CR-55
(depending on volume)
for credit cards, utility bills,
s
lip
s
t
n
yme
a
P
tc. are usually sent through the mail with a
e
check to an intermediary facility where they are
received in a “locked box.” Together, the check
nt slip are scanned and balanced
yme
and pa
using the CR-55 and/or CR-180 systems.
KEY
=
Image
k
hec
C
Electronic Cash Letters
Intermediaries
s and
GLOSSARY
Automatic Clearing House
electronic high-volume, low-value payments.
pplication Service Provider(ASP)-A service provider will actually
A
host a remote deposit application for a bank. A remote deposit ASP
will deliver the remote deposit application services to the bank’s
customers, receive the check image data from those customers,
and transmit the data to the bank.
BOFD
- Bank of First Deposit.
Courtesy Amount Recognition (CAR) - The ability to automatically
locate, analyze, and recognize handwritten or machine-printed
courtesy amounts on documents. The Courtesy Amount is the
check value written in numeric form.
Centralized Capture
either single or regional, where all checks deposited at the
bank are transported to be processed and cleared.
Check 21
into United States law on October 28, 2003. The law facilitates check
truncation by creating a new negotiable instrument called a substitute
check or Image Replacement Document (IRD) that permits banks to
truncate original checks, process check information electronically,
and deliver substitute checks to banks that want to continue
receiving paper checks.
Check Truncation
the clearing process and not returning it with the monthly statement;
typically confined to credit unions and money markets. (The term
“truncation” is incorrectly used in the “Check Truncation Act”; the
term should actually be “conversion” or the “Check Conversion Act.”)
Distributed Capture
of deposit; includes teller, branch back office, remotely at a business
entity location, and at an ATM.
Electronic Check Presentment (ECP)
an electronic payment to be debited from a customer’s bankaccount
and transferred to a business’ bank account. It is often used for
recurring payments and for businesses wanting to simplify and
reduce the cost associated with collecting payments from customers.
- The Check Clearing for the 21st Century Act was signed
(ACH)
- Networks in the U.S. used to clear
- Banks will have operational facilities,
- The practice of holding a check at the last point in
- Capturing the data from a check at the point
- A service that provides for
About the CR-180
The Canon CR-180 device is a durable,
high-speed back counter scanning system
used by banks, credit unions, check-clearing
houses, and large retail operations. With duplex
anning speeds of 180 checks per minute*
c
s
and highly accurate MICR read capabilities, the CR-180 is one
of the fastest and most affordable compact devices in its class.
R-180 device supports an average daily volume of up to
The C
20,000 checks, and batches of up to 200 items can be scanned
simultaneously and automatically sorted to two different output
pockets using preconfigured rules based on the MICR data on the
checks. Featuring a built-in jogger unit and prescan imprinter,
the CR-180 system delivers outstanding functionality and value.
Encode
- To place magnetic ink characters on the face of an item.
Usually refers to the dollar amount.
ndorsement-Check payment approval and audit information
E
applied to the rear of a check. The payee will sign the check for cashing
or deposit. The depositing institution will print their name, location, and
date information when deposited. Automaticequipment will apply date
and reference numbers on the check for auditing and research purposes.
Float
- The dollar amount of items outstanding and in the process
of being collected by banks; also called uncollected float.
Image Replacement Document (IRD)
image copy (as a paper reproduction of the original check) that may,
under certain legal arrangements, be the practical and legal equivalent
of the original check. Also known as Substitute Check, the term IRD
is used by the Accredited Standards Committee in the technical
specification for substitute checks.
Legal Amount Recognition
written/printed in words from a check image.
Lockbox
- A bill payment is typically addressed to a Post Office box
number. The address will actually be a service provider for the biller,
who will then receive and process the payments.
Lockbox Check Conversion
received in the mail by a biller into electronic items.
Magnetic InkCharacter Recognition (MICR)
at the bottom of a check or other financial documents by equipment using
ink with iron-oxide pigments capable of being magnetized. Transports
can either read these characters magnetically (actually “charging” the
characters) or optically. A magnetic read of the characters is normally
more accurate. The font style for MICR characters is called E-13B.
Remote Capture
A business will use remote deposit to capture and transmit their
received checks over the Internet to their bank for deposit.
- Capturing the data at a business entity location.
(LAR)
- The process of converting checks
- A substitute machine-readable
- Technology to read the amount
- The font that is imprinted
About the CR-55
Whether deployed at the teller line in bank
branches or commercial/retail locations, the
ers the perfect combination
-55 device of
R
C
of functionality, size, and speed for distributed
check imaging applications, including branch
emote deposit. For unmatched image reproduction,
ure and r
apt
c
he user-friendly CR-55 device offers a choice of high-quality scan-
t
ning in black and white, grayscale, or 24-bit color and resolutions
o 300 dpi. The
up t
of
images of both sides of checks at a fast 55 check-per-minute*
speed. A built-in prescan imprinter comes standard and the device
ures infrared double-feed detection for dependable paper
at
e
also f
feeding and image capture. Designed for a wide range of check
processing environments, the CR-55 device requires minimal
g and ef
ainin
tr
CR-55 device captures MICR data along with
ortless operation.
f
f
* Examples based on typical settings, rated in checks/images per minute with U.S. personal checks @ 200 dpi in black and white or grayscale.
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