Jaguar Software Development - Item Processing and Imaging Glossary

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1bpp
4 bit color
8 bit color
16 bit color
24 bit color

A


ABA
ABA number
ABA symbol
account number
accuracy percent
ACH
ARC
amount field
Archive
Aspect ratio:
audit trail
auto feed
auto feeder
auxillary on-us field

B


Back-End Check Imaging System
bank capture
bank imaging
bank item
bank processing
bank repair
bank research
banking
Banking Terms
batch
binary image
bit
bitmap
bitonal
Branch Capture
Branch Capture System
Brightness
Buffer

C


capture
capture reject
CAR
carrier
CAR/LAR
cash letters
channel
check
Check 21
check capture
Check Clearing for the 21st Century Act
check database
check encode
check endorse
check imaging
check orientation
check processing
check re-entry
check repair
check research
check stubb
check-imaging
checks
confidence level
confidence balancing
cost-effective
Cost-effective digital check imaging
Courtesy Amount Recognition
crop

D


date time stamp
digital check imaging
disc
disk
dog eared
double feed
DPI
DPM
drag and drop
driver
drop-out ink
duplex imaging
duplex printing
duplex scanning
duplexing

E


E13-B
encode
endorse
endorser
endpoints
export

F


Federal Reserve
Federal Reserve Image Archive System
File Name Collision
File Name Convention
flatbed
flatbed scanner
foreign items

G


GIF File Format (Graphic Interchange Format):
Gray Level

H


HTML (Hypertext Markup Language)

I


ICR
image
image capture
image database
image endpoint
image processing
imaged
images
imaging
image read error
inclearings
import
inverse processing
in-house check
IRD
item processing

J


jaguar
jaguar software
JPEG (Joint Photographic Experts Group)

K


L


landscape
LAR
leading edge
Legal Amount Recognition
local
locals
lockbox
Lossless Compression
Lossless Rotation
Lossy Compression
Luminance

M


magnetic head
MICapture
micr
microfilm
microfilm replacement
Microfilm Replacement System
MIRepair
Mirror Image
Miss-scan
MIStatement
modular

N


O


OCR
OCR-A
OCR-B
on-us checks
on-us items
optics
out-source processing
other items
OMR
Overhead Scanner

P


Pay to the Order of
payee
payor
pantograph
physical item
pixel
PNG (Portable Network Graphics)
POD
point
Power Encode
portrait
posting
PPI (Pixels Per Inch)
pre-encoding
Proof of Deposit
Proof of Deposit System
Piggy Back

Q


R


Raster Image
reader/sorter
re-entry
reject
rejects
remit items
remittance processing
reflection
refraction
repair
research
return cash letters
return items
routing code
routing number
routing symbol

S


scanline
sequence
sequence number
signal level
signal strength
skew
special applications
special apps
statement

T


TIFF (Tagged Image File Format)
trailing edge
tran code
transit items
transit field
transit symbol
transport
transaction
transaction level balancing
TWAIN

U


V


validation
voting

W


water damage
wave shape
wholesale lockbox
write head

X


Y


Z




Definitions





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1bpp - One bit per pixel. A bitonal image.





4 bit color - less than 16 (2^4) colors





8 bit color - 256 (2^8) colors





16 bit color - "less than 65





24 bit color - "16





A

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ABA - American Bankers Association





ABA number - Often referred to as the back routing number and is often the first item in the micr line.





ABA symbol - The leading and trailing symbol in the transit field which is made up of a vertical dash with two dots to the right of it.





account number - The numeric designation on the micr line for the institution account that the item is being drawn from.





accuracy percent - A measurement of percentage read by a recognition engine such as car/lar. (See also confidence level.)





ACH - Automated Check Clearing House - NACHA governed financial network that is reponsible of processes electronic payments.





ARC - Accounts Recievable Check Conversion - An electronic method which converts physical items for electronic payment by utilizing a third party remittance processor or lock box handler. These items are imaged and converted to ACH debits.





amount field - The numeric designation in a micr line.





Archive - In check imaging the term archive usually refers to backups made of the digital storage system; either for the client or the institution. In a literal sense the process of check imaging is in fact a from of archive of paper items.





Aspect ratio: - "The ratio of image width to image height





audit trail - Tracking within the item processing process to verify clearing and lawful transaction. (Note: in banking proper this term can refer to any tracking of transactions such as teller work.)





auto feed - The automatic movement of items into the transport track.





auto feeder - The mechanism in most imagers and reader/sorters to feed documents into the transport track.





auxillary on-us field - Usually the micr field that holds the check sequence.





B

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Back-End Check Imaging System - A process whereby the checks are turned into digital images and stored in an image database.





bank capture - Usually refers to method of check processing whereby check micr data is read or the check is imaged for balancing.





bank imaging - Refers to the process of capturing a digital image of checks.





bank item - Generally any negotiable instrument such as a check.





bank processing - Refers to general item processing within a banking institution.





bank repair - In item processing refers to the process of amount re-entry and balancing.





bank research - In item processing refers to the method of data retrieval of digital check items.





banking - The process of trading and investing of negotiable instruments.





Banking Terms - A list of terms applied to the particulars of banking.





batch - "Depending on the institution this definition may have slightly different meanings. Generally it is a form of capture separation. Some institutions capture in ""runs"" and the term ""batch"" is used synonymously. In some systems the ""run"" represents a particular body of work such as an entire days worth of captures and the batch is the individual captures for that day."





binary image - Usually a referring to a bitonal image of just black and white (on/off).





bit - The binary unit. The fundamental quantity in image structure representing 1 or 0 (on or off).





bitmap - An image constructed of rows of pixels (or bits).





bitonal - "An image with two tones of color





Branch Capture - The process of capturing branch work to database. This method facilitates electronic transfer in minutes over former currier transfer.





Branch Capture System - A system that facilitates the capture of check items at the branch.





Brightness - A measurement of the image light intensity.





Buffer - A temporary storage area that retains information until a certain process has been completed. Large industrial printers often network feed large amounts of document information into a buffer in order to control print speed and avoid machine malfunction.





C

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capture - To read or image physical items into an electronic form.





capture reject - An item or items that are generally sent to a reject pocket due to misread micr information.





CAR - Courtesy Amount Recognition. Refers to the specific reading of the amount field on a digital cehck image.





carrier - A pocket type sleeve which can be used to image a damaged or torn physical item





CAR/LAR - Known as courtesy amount recognition/legal amount recognition A method of electronically reading a physical check or image of a check. This method reads the amounts based off of their location on the item. It generally utilizes a form of grid matrix which checks for the presence of markings in a given areas.





cash letters - A generic term used to refer to items in outgoing transit. It should be noted that one institutions cash letter can be another institution s inclearings.





channel - Stored information embedded in the image file about an image.





check - A standard negotiable instrument.





Check 21 - Short for Check Clearing for the 21st Century Act which allows for the voluntary usage of digital images as negotiable instruments.





check capture - The method of reading or imaging physical items into digital format.





Check Clearing for the 21st Century Act - The act that allows for the voluntary usage of digital images as negotiable instruments.





check database - A database of storage for check images.





check encode - The adding the micr information to a check. In most cases this refers specifically to adding the amount.





check endorse - The adding of a stamp to the back of a check which usually confirming process and order of the item s processing.





check imaging - Refers to the process of capturing a digital image of checks.





check orientation - The directional position of a check image. (See skew)





check processing - The process of handling of physical check items and maintaining an appropriate balance thereof.





check re-entry - Re-entering misread micr data for imaged items.





check repair - Correcting misread micr data for imaged items.





check research - Refers to the method of data retrieval of digital check items.





check stubb - Refers to the tear off portion of a check.





check-imaging - Refers to the process of capturing a digital image of checks.





checks - A standard negotiable instrument.





confidence level - A measurement of percentage read by a recognition engine such as car/lar. (See also accuracy percent.)





confidence balancing - A form of balancing whereby the images with marginal confidence levels are recalled to settle a balance descrepancy.





cost-effective - The management of cost to profit.





Cost-effective digital check imaging - A system that allows for the advanced method of digital imaging at a premium of cost to profit.





Courtesy Amount Recognition - Reading of the courtesy amount which is usually written or printed by the check payee in a box on the right hard side of a check.





crop - In check imaging the term can refer to either the state of a damaged image or a software image handling method.





D

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date time stamp - A method often used to provide a unique name from the system date.





digital check imaging - Refers to the process of capturing a digital image of checks.





disc - Optical Storage Media





disk - Magnetic Storage Media





dog eared - A reference to a fold in the corner edge of an item.





double feed - "Sometimes called a ""piggy back"" this refers to a form of misfeed whereby two items are fed at once. This form of feed error generally produces a double image of two items (one on top of the other) or the second item is hidden behind the first."





DPI - Dots Per Inch - A measurement of image resolution often used in check imaging. Check images are often 100 to 250 dpi resolution.





DPM - Documents Per Minute - A measurement of the document rate of capture or throughput possible in check imaging.





drag and drop - Some software systems such as the Mirror Image system utilize this method in order to allow the user to move and associate images and documents without having to enter any additional information.





driver - A software utility that helps the computer's operating system communicate with and operate an external device such as a scanner or image transport.





drop-out ink - An ink print that is outside of the light spectrum that a normal scanner can read. Ususally this refers to hues of blue or red and or pastels. These items will appear transparent or barely visible to a image camera and may even throw a image read error.





duplex imaging - Scanning both sides of a physical item into digital image format.





duplex printing - Printing both sides of a digital image.





duplex scanning - Scanning both sides of a physical item into digital image format.





duplexing - Scanning or printing both sides of an image or item.





E

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E13-B - The Traditional MICR Recognition font type.





encode - The adding the micr information to a check. In most cases this refers specifically to adding the amount.





endorse - The adding of a stamp to the back of a check which usually confirming process and order of the item s processing.





endorser - The mechanism in most image transports that prints a stamp endorsement or bitonal image on the back of a physical item.





endpoints - The utilization of a check sorting system during the item processing process which separates checks into pockets for special handling with an institution that is a member of a local clearing house.





export - Transmitting or converting images and or their information.





F

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Federal Reserve - Federal Reserve - The national institution which handles the management of monetary systems in the United States.





Federal Reserve Image Archive System - A method of image archiving that is compliant with Federal specifications.





File Name Collision - An error which can occur when an imaging system is attempting to write to a database or file structure where the file name already exist. Due to the possibility of data loss most capture utilities utilize a naming convention and do not allow the program an overwrite permission.





File Name Convention - A method of naming files to retain a unique name. Many such conventions utilize a date - time stamp.





flatbed - A scanner/imager that uses a flat surface upon which a physical item is layed to be imaged.





flatbed scanner - A scanner/imager that uses a flat surface upon which a physical item is layed to be imaged.





foreign items - In some institutions this is an item that is from out of country. However in item processing in general it refers to items not on the current bank at which the item resides. For clarification many institutions have began using the term transit items.





G

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GIF File Format (Graphic Interchange Format): - A raster graphics format used heavily for images on the internet.





Gray Level - A measurement of the brightness of a given pixel.





H

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HTML (Hypertext Markup Language) - A language utilized to create web pages. Many web image research systems utilize forms of html in their applications.





I

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ICR - Intellegent character recognition. Usually referring to the reading of handwritting.





image - In item processing a digital representation of an actual check item.





image capture - Refers to the process of capturing a digital image of checks.





image database - A database for storage of digital images





image endpoint - The utilization of a digital check sorting system during the item processing process which separates checks into pockets for special handling with an institution that is a member of a local clearing house.





image processing - The process of handling of digital images.





imaged - An item has completed the process of capture to image.





images - In item processing a digital representations of an actual check item.





imaging - In bank item processing refers to the process of capturing a digital image of checks.





image read error - An error associated with image read in which an item is either not present or is unreadable by the image camera. In certain circumstances a check jam near the image camera may also throw an image read error.





inclearings - Usually a term referring to inbound items from a clearing house such as the Federal Reserve.





import - To bring in external data.





inverse processing - A form of processing in which captures are balanced before transit items are separated.





in-house check - A check written on the bank where the item currently resides.





IRD - Image Replacement Document - A reproduction of a physical check or the image of a digital check.





item processing - The process of handling check transactions.





J

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jaguar - In Item processing a image Software development company which develops the latest in digital check imaging products.





jaguar software - In Item processing a image Software development company which develops the latest in digital check imaging products.





JPEG (Joint Photographic Experts Group) - A file format which utilizes compression to store bit mapped graphics.





K

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L

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landscape - Usually noted in statement printing. Refers to the direction of the print on the paper. On standard 8.5 X 11 paper landscape would be printing with the top and bottom of the document running the length of the 11 inch paper. (see portrait)





LAR - Legal Amount Recognition. Ususally referring to the specific reading of the Legal Amount on a digital check image.





leading edge - The foremost part of an item being imaged. Usually this refers to the signature/amount side of a check image.





Legal Amount Recognition - The method whereby a physical or digital item is read in which the written amount on a given check is reviewed electronically and recognized.





local - In Item processing a image Software development company which develops the latest in digital check imaging products.





locals - In Item processing a image Software development company which develops the latest in digital check imaging products.





lockbox - A third-party remittance processor which handles payment processing.





Lossless Compression - "A form of compression in which no data is lost





Lossless Rotation - The method of image rotation that does not result in the loss of image quality. Images with dimensions that are a multiple of 8 or 16 have been determined to work the best with this method.





Lossy Compression - A method of compression that attempts to discard unnecessary data. Some data loss can affect the quality of the image. JPEG uses this form of compression.





Luminance - "The brightness





M

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magnetic head - "The mechanical head of a micr reader which ""captures"" the magnetic image of magnetic micr inc."





MICapture - A product by Jaguar Software designed to electronically capture physical items to a digital format.





micr - Magnetic Ink Character Recognition - The line on a check that is printed with magnetic ink usually desginating the following (ABA - Acount Number - Auxillary-On-Us or Serial - Tran Code - Amount)





microfilm - An old standard whereby items are filmed for later research. This system is completely visual based but has very limited means of tracking documents.





microfilm replacement - A method to replace older out of date microfilm machines.





Microfilm Replacement System - A system to replace older out of date microfilm machines.





MIRepair - A product by Jaguar Software designed to repair and balance item micr information after capture.





Mirror Image - In Item Processing an affordable system of digital imaging modules.





Miss-scan - "Usually a double feed ""Piggy Back"" scan in which only the first item was read and the second remained unseen behind the first."





MIStatement - A product by Jaguar Software designed to process digital images into statements.





modular - A method utilized by Jaguar software to customize digital imaging systems to banking institutions.





N

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O

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OCR - Optical Character Recognition. Usually an interface that reads special optical font.





OCR-A - An Optical Character Recognition font type.





OCR-B - An Optical Character Recognition font type.





on-us checks - Usually checks that are written on accounts at the institution of origin.





on-us items - Usually items that are written on accounts at the institution of origin.





optics - Often used in reference to the optical camera parts in most image transports.





out-source processing - Check Processing that is paid for outside of the institution.





other items - In some banking institutions this refers to internal items. These items are also referred to as Special Apps.





OMR - "Optical Mark Recognition





Overhead Scanner - A scanner/imager that uses a overhead imaging mechanism.





P

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Pay to the Order of - The standard check line which generally indicates the payee.





payee - The person receiving payment by check.





payor - The person paying debt on check or promisary note.





pantograph - A decorative logo or printed pattern used to add security against check alteration and forgery.





physical item - The tangable paper item that is being imaged.





pixel - Picture Element - the primary measurement of an image. Images may contain as little as 1 or hundres of bits per pixel.





PNG (Portable Network Graphics) - A patent and license-free graphics format meant to replace GIF. PNG also offers better image quaility.





POD - Proof of Deposit





point - A font measurement. One point is approximately 1/72 of an inch.





Power Encode - The method of encoding used in digital imaging systems whereby items are encoded based of micr reads matched with image database information.





portrait - Usually noted in statement printing. Refers to the direction of the print on the paper. On standard 8.5 X 11 paper landscape would be printing with the top and bottom of the document running the width of the 8.5 inch paper. (see landscape)





posting - Applying processing data to a any of the following (Host System - Accounts Recievable - Personal Accounts - In House Accounts - General Ledger).





PPI (Pixels Per Inch) - A measurement of display density. The greater the PPI the more dense the image.





pre-encoding - Encoding the amount field prior to processing. This may be done by a non-financial company or a bank prior to shipping out-sourced processing.





Proof of Deposit - "A banking procedure sometimes referred to as an ""item-by-item"" policy by which most banks assign availability to a check based on the time of deposit and contingent endpoints. "





Proof of Deposit System - A bank procedure of securing check availability. Proof of Deposit (POD) is a banking procedure sometimes referred to as an 'item-by-item' policy by which most banks assign availability to a check based on the time of deposit and contingent endpoints.





Piggy Back - A double feed. A of misfeed whereby two items are fed at once. This form of feed error generally produces a double image of two items (one on top of the other) or the second item is hidden behind the first.





Q

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R

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Raster Image - A rectagular grid image structure.





reader/sorter - In traditional item processing a reader/sorter was a large micr reader with sorting capabilities. This term is sometimes still used interchangeably for imaging equipment although their processes are entirely different.





re-entry - "In item processing





reject - An item or items that are generally sent to a reject pocket due to misread micr information.





rejects - An item or items that are generally sent to a reject pocket due to misread micr information.





remit items - This term is used in some banking institutions in regard to foreign items (Items not on the current bank at which the item resides.)





remittance processing - The handling of payment items such as checks or stubs. See also Lockbox.





reflection - "The reflective value of a physical item





refraction - The bending of light which occurs in image based lens machanisms.





repair - Correcting misread micr data for imaged items.





research - Refers to the method of data retrieval of digital check items.





return cash letters - A phrase used to refer to items in incoming transit. See also inclearings.





return items - Items that have been rejected by the clearing house due to some difficulty in processing such as insufficient funds.





routing code - The ABA number which designates the institution the instrument is drawn off of.





routing number - The ABA number which designates the institution the instrument is drawn off of.





routing symbol - The leading and trailing symbol in the transit field which is made up of a vertical dash with two dots to the right of it.





S

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scanline - Usually refers to an OCR font line.





sequence - Used in either in reference to the numeric number of the check or the order of check image capture.





sequence number - Usually a reference to the check number. This number is sometimes in the printed in micr data.





signal level - A measurement of voltage wave amplitude when a DC magetized character is read by a magnetic micr read head.





signal strength - A measurement of voltage wave amplitude when a DC magetized character is read by a magnetic micr read head.





skew - The misfeed of an item that causes the physical item to raise either the leading or trailing edge out of the track.





special applications - A term referring to in-house or local items.





special apps - A term referring to in-house or local items.





statement - The customer listings of transactions and or images.





T

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TIFF (Tagged Image File Format) - A lossless file format that does not lose image quality when saving. Tiff files are the preferred standard of many check imaging systems.





trailing edge - "The final edge of a physical item being imaged. Ususally this refers to the ""pay to the order of"" side of a check image."





tran code - "Usually a institution specific digit specification that indicates an item's role in a transaction





transit items - Items not on the current bank at which the item resides.





transit field - The ABA number which designates the institution the instrument is drawn off of.





transit symbol - The leading and trailing symbol in the transit field which is made up of a vertical dash with two dots to the right of it.





transport - A check imaging machine which feeds check items through an image camera and micr reader.





transaction - Usually in reference to a collection of related debits and credits which ultimately are meant to balance to zero.





transaction level balancing - The capture and balancing method where by items are seperated by a leading debit or credit.





TWAIN - A interface standard for scanners and other digital imaging devices.





U

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V

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validation - A method of amount verifying batch totals.





voting - The use of combined recognition engine types to produce a better percentage read.





W

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water damage - A form of check imaging difficulty in which the physical item has been exposed to water (or other fluid content) and has caused the item to a. bleed or run. b. the paper to detereorate or become fragile. c. the adjacent items to stick together.





wave shape - The character wave of a micr character when read.





wholesale lockbox - Usally referring to the handling of remittance payment items for a low volume (usually high dollar) lockbox operation.





write head - The magnetizing head or a micr read system. Or the head of the cartridge or stamp mechanism that writes a check endorsement.





X

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Y

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Z

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