Integrated payment solutions provider Harland Clarke and Mitek, a provider of mobile capture and identity verification software solutions, have jointly rolled out a new solution to strengthen mobile deposit security.
In order to boost security of checks deposited through the mobile channel, Harland Clarke has integrated the new Photo Safe Deposit features in its printed checks.
The features can be recognised only through computer vision incorporated in Mitek’s mobile deposit software, Harland Clarke said in a statement.
Checks are printed with the photo safe deposit icon, a camera-lock graphic, placed on the front.
After being detected by mobile devices through Mitek’s back-end software, the checks are scanned for features including Image Match and Mobile Mark introduced by Harland Clarke.
Harland Clarke said that Image Match matches the front and back side images of the check to ensure whether they are from the same document, which in turn, reduces endorsement forgery and depositor errors when photographing several checks in a single deposit.
Mobile Mark SM helps users checkmark when a deposit is made through smartphone, thereby lowering the risk of depositing the same check later.
Harland Clarke Payment Solutions president Rick Ebrey said: "With Photo Safe Deposit we support both security and mobile banking through features offered only by Harland Clarke which fosters increased remote deposit capture (RDC) adoption. Together, with Mitek’s expertise, we improve the Mobile Deposit experience, encourage best practices and enhance confidence in the mobile channel."
Mitek president and CEO James DeBello added: "Check features must be continually updated for the advanced methods banks use to process checks. The benefit of Harland Clarke’s advanced approach to printing checks with Photo Safe Deposit features designed for Mitek’s Mobile Deposit is that our combined technology does all the work to increase security and mitigate depositor errors without any extra steps required by consumers or banks."