CAR/LAR Module

The Paydata.NET CAR/LAR Module is an automated application program that localizes, analyzes, and recognizes handwritten or machine printed amounts and legal amounts on digital documents.

Paydata.NET offers all of the latest recognition technologies available to automatically determine the correct amounts of checks. The Recognition function may contain any one of, or the entire host of, all Paydata.NET optional recognition technologies, depending on the hardware and processing method used.

OCR and MICR recognition technologies are available for non-image processing via most remittance processing transports. These technologies facilitate single-pass power encoding when users employ presorting strategies during the mail opening process. Job types are set up to power encode checks for the various amount(s) contained on the scanline. Payments are then sorted, batched, and power encoded according to which scanline field they match.

The Paydata.NET CAR/LAR Module employs “kill logic” to determine the sequence of the functions and which functions are required in order to validate the processed check amounts. This kill logic is soft coded and may vary according to batch or job type. If desired, systems employing CAR/LAR may not need any further keying to validate the amounts of most checks in any given batch. The kill logic can identify which checks’ amounts have been validated by CAR/LAR and which ones require operator intervention for validation. The Paydata.NET CAR/LAR Module sends any transactions that bypass or fail the Recognition function's kill logic to the Amount Keying/Re-keying function. This function allows system operators to manually key and/or re-key check amounts either from the paper checks themselves, captured images of the checks, or both. Some checks require both keying and re-keying for validation. The system can separate and direct the keying and the re-keying functions to different Key/Re-key PCs.

Regardless of whether the check amount comes from CAR/LAR, keying, or re-keying, the kill logic requires a match between any two of these sources in order to validate the correct amount. The system directs any check that passes through the kill logic, and any out-of- balance transaction, to the Reconcile function.

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