Transaction Completion Services

ACCEPT ANY IMAGE FILE WITH CONFIDENCE

The Transaction Completion Services (TCS) application provides a critical level of protection for banks as they move toward a primarily electronic and image exchange environment. It allows the bank to accept a variety of image input files with the confidence that each item will be fully qualified  for all downstream processes.  

TCS validates the contents of transaction files using tools such as code line validation, CAR/LAR, image-based keying, image inspection and review, and image-based amount verification.  TCS is a full function, image-based keying environment that has been in production for many years to support Carreker’s reject repair application. 

• As a component of Source Capture Base, TCS provides the necessary functions to complete the validation of transaction code lines, inspect images and verify the correctness of item amounts by use CAR/LAR to analyze the images that were received. 

• As a standalone application, TCS can be integrated with the bank's conventional CPCS operation and image capture system to validate transaction files.

Incoming files may be from a variety of sources, and may not be fully qualified for posting.  For example, it is common in a remote deposit capture environment to ask the Bank client to key amounts and to balance their deposits, but at the same time, most Banks do not ask their clients to key RTs or Account numbers.  The typical bank chooses instead to have its staff handle this portion of remote deposit capture, and TCS provides this support. 

In other cases the incoming file may be from some other bank’s capture system, and the quality of the images and accuracy of the work may be uncertain.  As a result, TCS provides the necessary functions that will allow the Bank to inspect image and verify code lines and item amounts.

Specifically, TCS provides:

• Code line validation support, using standard bank provided validation routines.  TCS supports the use of the Bank’s 3890 validation routines for this purpose.
• CAR/LAR processing of images either to auto-correct MICR read failures or to read courtesy amounts if required.
• Image-based item keying and subsequent code line re-validation for any items that fail the initial codeline validation.
• Image inspection as an automatic process, with a supporting operator visual review of image quality suspects.
• Amount verification support for the automatic detection of discrepancies between the amount data in the incoming file when compared to the associated amount on an image.
• MICR compare, which ensures that the correct image and data record are associated properly in the electronic file.

The image keying function of Transaction Completion Services works in conjunction with the code line validation function.  Images and code line data from the received files are processed, using code line validation to first process the code line data from the file, validating the individual fields, and flagging fields that are in error.  An auto corrections function can then apply CAR/LAR technologies to the images to attempt to read missing data from either the MICR line on the image or the courtesy amount of the image.  Items that still fail this process are then presented to an operator for correction.  Fields in error are highlighted, and after the individual items are keyed, they are immediately revalidated using code line validation.  Items that fail code line validation repeatedly, perhaps due to an invalid account number, can be routed to research after a customer-determined number of attempts to correct the item.

TCS is a powerful application that can distribute work across all available operators.  TCS splits the incoming file into segments to be distributed to individual keying clerks, manages the keying process and then reassembles the file at the end of keying.  

Source Capture Suite
	Carreker’s Source Capture Suite includes remote deposit capture applications for branches, corporate sites (with thick and thin client options), cash vaults and ATMs.  Each of the capture applications transmit data and images to Source Capture Base, a central operations processing application that includes Transaction Completion Services.

For more information about this solution, contact Doug Halvorsen at 704.602.5335 or complete our Information Request Form.