Big ideas do big things to transform businesses, but sometimes those grand ideas create grand problems too. A prime example is Check 21. The Check Clearing for the 21st Century Act (or Check 21 Act) is a United States federal law (public Law 108-100) enacted into law October 28, 2003 by the 108th Congress. The law allows the recipient of a paper check to create a digital version, thereby eliminating the need for further handling of the physical document.

The implementation of the Check 21 system has banks destroying original checks after a short period of time while digital versions of the checks are kept on file instead. While the system certainly has its merits, it has also made building check fraud cases more difficult. The main issue being that the physical evidence that is typically left on checks, such as a fingerprint, is completely lost. Photo images of fingerprints on checks are not exacting enough to be used as identification for check fraud cases.

That's not the case for banks that use the MIC2500 solution. By adding our FIPS 201 / FBI Certified Single Fingerprint Capture Device to the MIC2500 mobile unit or the PC based MIC2500 Software, the MIC2500 solution becomes the perfect compliment to not only verify identity but also collect and store the individual's drivers license information, fingerprint, check number, amount, bank account, etc. that would otherwise be lost. This exacting detail information can be used as evidence to help substantiate legal action against a fraudulent check act. The MIC2500 network solution also allows the information to be shared throughout the bank's network to minimize repeat occurrences.

In one record it captures all of the required information including the customer's FIPS 201 compliant fingerprint. The MIC solution works on a standard personal computer and/or the MIC2500 mobile device also provides:

• Standard reports
• Data that can be extracted to any software application (e.g. Access, Excel, Oracle, MS SQL, etc.) that accepts XML format
• A network solution so that a bank with multiple locations can share information and validate that an individual is not presenting fraudulent checks at different locations
• FBI compliant fingerprint attached to the driver's license record
• Allows organization to decide how long to keep information