At ASV, we are more than a little preoccupied with preventing check fraud. We know that fraud can cost banks more than the face value of a check. It can cost time, staff resources, and, above all, a customer’s confidence – an asset that no matter the economic climate always appreciates in value.

That is why, for the last dozen years, we have been working to perfect our patented check fraud prevention software, eBank™DISCOVERY, and always with affordability in mind. For less than a penny per account a day, you can enjoy complete protection.

Now, more accurate than ever, and returning nearly zero false positives, eBank™DISCOVERY is truly the industry's best defense against check fraud.

Learn more:

• Overview
• Warp Speed Your Work
• Product Features
• User Interface
• Installation
• Immediate Benefits
• Our "AAA" Commitment

Interested? Contact our sales team.

How does eBank™DISCOVERY work? Simple:

1. It examines every check that passes through your bank, comparing them to the genuine samples stored in its system.
2. It looks at different characteristics -- such as the signature, checkstock, check number, the account-holder's signing habits, and more -- for irregularities.
3. It sorts the results into accepted and questioned items, called "exceptions."
4. The exceptions typically amount to less than 1% of the total checks. Here, in this small group, is where the fraud is hiding.
5. It presents the exceptions for you to review visually, along with a "fraud probability" score, i.e. how likely they are to be fraudulent. Scores of 95% or higher mean near-certain fraud.
6. For items you agree are probably fraudulent, you can follow-up with the account-holder for final payment confirmation.

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eBank™DISCOVERY can maximize your time even further by working the way you want, when you want it to.

rank them

• eBank™DISCOVERY will find all the fraudulent checks that pass through your bank, grouped within the 1% of checks it flags as exceptions.
• Still, if you're processing large check volumes, that can be a lot of items to review. So, eBank™DISCOVERY helps focus your work by ranking all the checks with a fraud probability score. At 75%, a check is likely to be fraudulent; 95% and up, it's almost certainly fraudulent. (100%, and it's toast.)
• Once the checks are ranked, you can review as many of them as you have time for, starting with the ones that scored highest. Have half an hour before lunch to review checks? Great! Go through the top five ranked checks and save your bank some money. Have half a day? Even better! Slice through the rest of the checks at the top and save even more.

set limits

• Moreover, eBank™DISCOVERY lets you set a minimum threshold on the check amount before you consider reviewing it. A check for $14.99 might have someone else's signature on it, but at that amount, it's less likely a case of fraud than it is parent lenience: who hasn't let their teenager sign a check to pay for pizza once in a while?
• Instead, you can choose to focus on the big ticket items first and avert massive check fraud right away.
• When you have a little more time, calling customers about high-scoring, low-dollar checks isn't a bad idea, either: your attention will make them feel like a VIP and make you look like the best bank ever.

In these ways, eBank™DISCOVERY smartly adapts to your changing schedule and resources, instead of the other way around. Whether you have half a day or half an hour, you can be sure that every minute spent using eBank™DISCOVERY will go directly towards weeding check fraud out of your bank.

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eBank™DISCOVERY is a smart and sophisticated system, powered by a robust engine. At the software's core are three analytical processes, based on our unique, patented technology:

• Signature and Checkstock Verification
• ZeroFactor
• Mandatory Review

Working together, these processes take you straight to the fraud in any given batch of checks, casting as wide or narrow a net as you have time to handle.

eBank™DISCOVERY's multiple verification processes counter many forms of fraud, including:

• Forged signatures
• Counterfeit checks
• Altered checks
• Missing signatures
• Violations of account signing rules
• Unauthorized demand drafts
• Unusual account activity

Our Support team helps you choose the software settings that are best for you, even as your needs change over time.

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eBank™DISCOVERY 's complex verification algorithms and robust engine are housed in a simple user interface. All you have to do is point and click. On a single screen (below), you can:

• Set verification preferences, such as the minimum and maximum check amounts (A)
• Track how many checks the system has reviewed, and how many of them have been flagged as exceptions, at your different bank branches (B)
• Preclude the low-scoring checks, via "ZeroFactor," when you're pressed for time (C)
• Prioritize the results according to high, medium, and low risk categories (D)
• Track how many checks you still need to review (E)

By moving to another tab in the same window (F), you can:

• View the exceptions in detail (G)
• See how they scored in "fraud probability" (H)
• Ultimately decide whether to reject or accept the check (I)

(In the real-life example above, eBank™DISCOVERY gave this check a fraud probability score of 98%, meaning it was almost certainly fraudulent and should be rejected for payment. The bank followed the recommendation, which was in fact right.)

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Installation of eBank™DISCOVERY is simple. ASV offers complete turnkey service. There is no learning curve or any upfront investment, and the technical specifications are minimal. All you need is:

• Windows XP - 7
• SQL server 2000 - 2008 R2
• Standard internet protocols

ASV supplies the rest:

• A full server
• Application software
• Customer database preparation
• Installation, training, and support
• Ongoing new fraud tool updates and support

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save time and money

By ranking checks by their dollar amounts and probability of fraud, you can get to the big ticket items first and avert massive check fraud right away.

build loyalty

Time spent following up on smaller check amounts is also well spent. By attending to the details of their accounts, you solidify your customers' choice to do business with you.

use with ease

Minimal technical requirements, fast installation, and a user-friendly interface mean you can start saving money from fraud without the learning curve.

alleviate overhead(aches)

By avoiding check fraud altogether, you also avoid the administrative burden that comes with reporting and filing check fraud cases.

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What does it mean to be the best? A total commitment, in the very structure and practice of our business, to our mission: the elimination of check fraud with accuracy, accessibility, and affordability.

accuracy

Having developed a near-perfect system, our company's focus is now on continually optimizing the software's accuracy through our two main departments, Support and Research & Development. Our Support team works regularly with existing clients to maximize the software's efficiency for their needs. Our Research & Development team always looks forward to keep the software ahead of new kinds of fraud.

accessibility

A powerful tool means nothing if it is too complex to use. From the very beginning, we designed the software's interface with the user in mind, centering all operations on a single screen. Off screen, we provide personalized training and ongoing support, the quality for which we have built a reputation among our clients.

affordability

In order to fight check fraud effectively, we want to reach as many banks as possible. That is why a big part of our commitment is to stay affordable. We choose to keep all parts of our business in-house and to partner directly with customers like you. No middlemen. By operating a tight network, we can pass the benefits of quality control and low costs on to you.

The result is total check fraud prevention for less than a penny per account a day.

For a personalized presentation of the software and sample pricing, contact our sales team.

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