Chequedb connects directly to your desktop cheque scanners and branch kiosks to automate extraction, validation, duplicate detection, and fraud checks — turning every scan into clean, structured data that feeds your existing workflows.
Looking for the full product overview? Bank check OCR API covers the extraction layer, and scanner SDK covers desktop hardware integration.
Whether cheques arrive from a branch counter, a self-service kiosk, a customer scanner, or a mobile app, they all flow through the same intelligence layer. ChequeDB sits between your hardware and your core banking system, exposing modern REST APIs so it plugs into your existing workflow without replacing it.
Banks and businesses that process cheques in volume typically use dedicated desktop scanners — devices from Canon, Panini, Digital Check, or Epson that sit at a teller counter or in a back-office mail room. Chequedb connects to these scanners through our Scanner SDK, handling image capture and delivering processed data to your workflow in one step.
This is not just OCR. Every scan runs through the full intelligence pipeline: field extraction, duplicate detection, fraud scoring, and validation — all before the result is written to your system. Unstructured cheque images go in; clean, validated, structured JSON comes out.
Most systems stop at reading the cheque. Chequedb goes further — every piece of extracted data is cross-checked, validated, and risk-scored before it reaches your workflow.
Cheque images are unstructured. Chequedb extracts every field — payee, amount in words and figures, date, cheque number, account number, branch code, MICR line — and returns clean JSON. No manual keying, no reformatting.
Every cheque is fingerprinted against your transaction history. If the same cheque appears twice — same day, different branch, or weeks apart — it is caught before funds move. Catches both accidental resubmissions and deliberate fraud.
Real-time risk scoring using ML models trained on cheque fraud patterns. Flags altered amounts, suspicious payee name changes, mismatched signatures, and statistical outliers — with a confidence score your team can act on.
Amount in words is matched against the numerical figure. Dates are checked for expiry and future-dating. Payee names are verified against the beneficiary account. Each rule is configurable to match your institution's policies.
Captured signatures are matched against authorised signer records in your database. Supported for On-Us cheques where you hold the drawer's account and have reference signatures on file.
The full pipeline — extraction, validation, duplicate check, fraud scoring — completes in under two seconds. Fast enough for real-time kiosk and teller workflows, not just batch processing.
For banks and financial institutions with self-service Cheque Deposit Machines (CDMs), Chequedb provides the OCR and validation layer that runs the moment the customer inserts their cheque — no staff involvement, no manual data entry.
We work with kiosk hardware deployed over direct LAN, VPN, and IPsec tunnels. The kiosk software calls our API; results return before the customer confirmation screen loads.
The payee name printed on the cheque is matched against the name on the beneficiary account number provided by the customer. Mismatches are flagged before the deposit is accepted.
Expired cheques (typically beyond 6 months) and post-dated cheques can be automatically flagged or blocked. Rules are configurable per institution — some banks allow post-dating, others do not.
The amount written in words is compared to the numerical figure. Discrepancies trigger a hold. Configurable minimum and maximum deposit limits are enforced per channel, customer type, or account.
The cheque signature is captured from the scan and matched against authorised signer records. Available for On-Us cheques where your institution holds the drawer's account and signature reference.
Each cheque is cross-referenced against all previously processed cheques in real time. If this cheque has been deposited before — at this kiosk or any other channel — it is caught immediately.
Chequedb identifies whether a cheque is drawn on your institution (On-Us) or a different bank (Off-Us) and applies the appropriate validation rules. Signature matching, for example, only runs for On-Us cheques.
| Validation Check | On-Us Same bank | Off-Us Different bank |
|---|---|---|
| Amount mismatch detection | ✅ | ✅ |
| Date verification & future date lock | ✅ | ✅ |
| Duplicate cheque detection | ✅ | ✅ |
| Payee name verification | ✅ | ✅ |
| Signature capture & matching | ✅ | ❌ |
Field-level extraction accuracy by channel, measured in production
| Source | Amount | Date | Cheque No. | Beneficiary Name | Branch |
|---|---|---|---|---|---|
| Customer — Mobile | 97.2% | 98.5% | 96.8% | 94.5% | 95.9% |
| Customer — Cheque Scanner | 99.1% | 99.5% | 98.7% | 97.2% | 98.4% |
| Customer — Kiosk | 98.3% | 99.0% | 97.9% | 96.1% | 97.5% |
| Branch (teller counter) | 99.8% | 99.9% | 99.5% | 98.9% | 99.7% |
Not ready to automate decisions? Oversight Mode lets Chequedb run alongside your existing human verification process rather than replacing it. The AI processes every cheque in parallel with your staff — flagging errors before they become problems, without changing how your team works today.
Common issues — amount discrepancies, date errors, potential duplicates — are surfaced to a reviewer with supporting evidence before funds are released. Staff focus on exceptions; routine cheques pass through automatically.
Best of both worlds
AI-assisted accuracy gains without losing human oversight. Institutions typically reduce manual review time by 60–80% while maintaining full sign-off on flagged items.
Connect however fits your architecture — direct API, native SDK, or white-label app
POST an image; receive structured data, validation results, and fraud scores. Works with any language or platform.
Native SDK for desktop scanners and kiosk hardware. Handles driver abstraction, image capture, and pipeline calls.
Embed mobile cheque deposit into your existing banking app, or launch a fully branded standalone app.
TLS 1.3 in transit, AES-256 at rest. Supports on-premise deployment for institutions that require cheque images to stay within their network perimeter.
Real-time fraud scoring on every transaction. Detects duplicate deposits, altered amounts, and suspicious activity patterns before funds move.
SOC 2 Type II, PCI DSS Level 1. Full audit trails per transaction for regulatory examinations and internal compliance reviews.
Works over direct LAN, VPN, and IPsec tunnels. Kiosks on restricted bank networks can connect securely without public internet exposure.
Whether you are running desktop scanners, branch kiosks, or a mobile deposit channel — or all three — Chequedb can connect to your existing hardware and workflow in weeks, not months.