ICL Dashboard · Image Cash Letter software
Image Cash Letter (ICL) processing software
The ICL Dashboard takes in Image Cash Letter files, checks every one of them, and gives your operations team one place to review them. It reads X9.37, X9.100-180 and X9.100-187 files, in ASCII or EBCDIC, with their front and back check images.
Each file runs through an ingest workflow on the Dnp Workflow Engine: the sender is checked, every item is validated against a sort pattern, duplicates are caught, and declared totals are balanced against actual totals. Balanced files are exported; the rest wait for review.
How each Image Cash Letter file is processed
Every file runs through the same ingest workflow, and every step is recorded in its workflow history.
- Received. A watched inbox for each institution picks up the file.
- Parsed and saved. Every record is read: cash letters, bundles, checks, credits and their front and back images.
- Sender checked. The sending routing number is checked against the institution's registered senders. Files from unregistered senders are quarantined, and can be reprocessed once the sender is registered.
- Items validated. The sort pattern for that sender, or the institution's default, checks each item's MICR fields, assigns its pocket and flags rejects.
- Duplicates caught. Resent files and duplicate items are detected and set aside, linked to the original.
- Balanced. Declared totals from the control records are compared with actual totals at the file, cash letter and bundle levels, within a tolerance you set.
- Exported or flagged. Balanced files are written to the institution's export folder. Anything else waits for review.
Review and correct out-of-balance files
Operators can fix what is wrong without editing files by hand, and every change is recorded.
Edit an item
Correct the amount, routing number, on-us, auxiliary on-us, account, serial or the full MICR line.
Insert or delete items
Add a corrective item or soft-delete one. Deleted items stay visible but drop out of every total.
Replace a check image
Insert or replace the front or back image of a check.
Correct declared totals
When a control record itself was wrong, correct the declared totals for the file, cash letter or bundle.
Reasons and audit trail
Every change requires a note, and the old and new values are written to the item's history and the Item Changes Audit report.
Drill down
File, cash letter, bundle and item pages, each with its stats, history and a link to the workflow run in Workflow Studio.
MICR sort patterns
A sort pattern decides which pocket each check goes to and which items are rejects. Logic nodes test part of a MICR field and branch; item nodes assign the pocket and item type. Compare tables and subroutines keep larger patterns tidy.
Patterns are built in the browser, tested against sample MICR fields, and exported or imported as JSON. Each institution has a default, and any sender can have its own.
- Routing check digit and positive amount always validated
- Account and serial format rules per item type
- Versioned: editing a pattern only affects files received afterwards
- The pattern and version used are shown on every cash letter
Standards, reporting and deployment
ICL formats
X9.37, X9.100-180 and X9.100-187 (including UCD versions), in ASCII or EBCDIC, with front and back check images.
Reports
Balance exceptions, duplicate suspects, file activity, item changes and processing history by sending routing number, plus ad hoc reports. Export to Excel.
Several institutions
Separate folders and settings for each institution, with users assigned to the institutions they may see.
Sign-in
Local accounts, AWS Cognito, or single sign-on with an OpenID Connect provider such as Okta, Auth0 or Azure AD.
Databases
SQL Server, PostgreSQL, MySQL, SQLite, Oracle or IBM Db2.
Installation
Runs as services on Windows or Linux, built on the Dnp Workflow Engine.
Workflow Engine
Oikos
OctoCat
Koinonia
ICL Dashboard is coming soon.
It's in its final stretch. Check back here for the launch date and early access.