SCO 2.5 Merchant Capture. Merchant User Guide

Transcription

1 SCO 2.5 Merchant Capture Merchant User Guide

2 Edition 1 Published: March 25, 2010 This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is provided with the understanding that the publisher is not engaged in rendering legal or accounting services. If legal advice is required, it is recommended that each financial institution consult its own counsel. This material may not be reproduced without written permission of Fiserv, Inc. Copyright 2009 Fiserv Solutions, Inc. All rights reserved. This material is proprietary to and published by Fiserv Solutions, Inc, for the sole benefit of its clients. Reproduction, distribution, disclosure and use are expressly prohibited, except as authorized by license, or with the explicit written approval of Fiserv Solutions, Inc. The information contained herein is subject to change without notice. In no event will Fiserv be responsible for any direct, indirect, special or consequential damages resulting from the use of this information. No warranties, either express or implied, are granted or extended by this document. Great care should be taken to ensure that any use of this information complies at all times with all applicable laws, rules and regulations. SCO Merchant Capture 2 4/21/2010

3 Table of Contents Overview... 5 Important Points... 7 Client Workstation Requirements... 8 Tips for a Successful Scanning Experience... 9 Process a Deposit...11 Logon to Merchant Capture...12 Create New Deposit...14 Correct Jammed Documents...19 All Items...20 Exceptions...21 Delete Item...25 Duplicate Checks...26 Delete a Deposit...27 Submit Deposit...28 Deposit Status...29 Appendix...32 Appendix A - Menu Functions/Keys...33 SCO Merchant Capture 3 4/21/2010

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5 OVERVIEW

6 Overview Merchant Capture provides all the convenience and flexibility required to make it more convenient to do business with your organization and fosters valuable commercial banking relationships. By offering the option of depositing checks without leaving their place of business, your institution reduces the labor involved in deposit preparation and transportation expenses, while offering later posting deadlines and improved cash flow. Electronic Capture & Deposit Merchant Capture enables merchants to electronically capture and deposit checks by simply placing the check in the scanner, which automatically captures images of the front and back and also endorses the check. The check amount is read programmatically using CAR/LAR technology. An image quality analysis completed at the point of presentment totals the number and value of all imaged checks. Using a secure Internet connection, the merchant sends the entire batch of checks to your institution electronically. An immediate return confirmation verifies that the deposit was received. Once the check file is received, all transactions flow through the distributed capture engine and are either posted to your accounts or routed to your exchange partner. Save Time & Money Since paper checks are no longer required for posting, financial institutions are positioned for truncation of statements and elimination of paper handling. The time and money spent processing physical checks is freed up for other banking functions, allowing your institution s deposit base to grow by consolidating multiple business locations in a single banking relationship. In addition to expanding your own customer base, Merchant Capture builds loyalty by offering extended deposit processing windows, faster availability of funds, and the cost savings and convenience of electronic deposits. SCO Merchant Capture 6 4/21/2010

7 Client Workstation Requirements Workstations where the Merchant Capture software resides must meet a minimum standard regarding installed software and hardware as listed below. Minimum Hardware Recommendations: Intel Pentium III, 1.8 GHz Processor 20 GB hard drive 1024 MB RAM required for XP and 2048 MB RAM required for Vista (2048 recommended for XP) USB Ports: 2.0 Port Required Internet Connection, 512 kb up/down minimum recommended speed Operating System (OS) Windows XP with Service Pack 2, Windows XP with Service Pack 3, Windows Vista PC Monitor: 17 or larger recommended PC Alphanumeric Keyboard Printer Access (optional for report printing) Software Requirements Workstations: Internet Explorer version 7 (IE 8 is not currently certified for use with SCO Branch Capture) Microsoft.Net Framework 2.0 (or higher) Java Runtime Environment Adobe Acrobat Reader 6.0 or higher to view reports Optional Hardware Suggestion: Jogger (a jogger will limit jams and double document feeds) Purchase of a single-bin jogger is recommended. The jogger can be purchased from any vendor Loading other software components on the workstation may possibly have negative effects. Virus scanning is optional for the merchant. The recommendation is to exclude scanning image files for performance reasons, if virus scanners are loaded. SCO Merchant Capture 8 4/21/2010

8 Tips for a Successful Scanning Experience o o o o o o Prepare work by thoroughly removing all tapes, staples, paper clips, and unfold any corners. Jog and fan checks thoroughly before feeding through scanner to avoid piggybacking. When items scan crooked, check all fields to verify information scanned correctly. If more than one person is using the device, make sure there are no out-of-balance batches prior to beginning new capture. The scanning device may have trouble reading the following: - Items written in ink other than black - Checks written lightly or illegibly - Amounts and Account Numbers written on or outside lines - Checks which have been folded, creased, or mutilated All fields must be corrected and input into the appropriate fields on a transit item. SCO Merchant Capture 9 4/21/2010

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10 PROCESS A DEPOSIT

11 Logon to Merchant Capture To access Web Capture/Merchant Capture: Click the URL provided s ABA#eg ) Enter the User Id Enter the Password Click Login SCO Merchant Capture 12 4/21/2010

12 Logon to Merchant Capture, continued The Source Capture Optimization (SCO) main screen will be displayed. To ensure connectivity with the scanner, verify that the Silver Bullet screen is displayed after login. Field Deposit Capture Query Extracts Help Logout Description Select to begin the scanning process. Search for previous processed deposits by inputting specific data pertaining to a deposit. Access to workstation specific reports. Provides information about the product. Allows the user to log out and exit the program. SCO Merchant Capture 13 4/21/2010

13 Create New Deposit To create a new deposit/batch: Click Deposit Capture from the menu bar SCO Merchant Capture 14 4/21/2010

14 Create New Deposit, continued The Merchant Create New Deposit screen will be displayed. Enter a Deposit Name Click Select Work Type for a list of work types Enter Deposit Amount Click Selected Account for a list of accounts that are available Click OK Field Deposit Name Select WorkType Deposit Amount Select Account Description Enter a name for the deposit. Deposit name can be disabled and may not appear. Select a work type from the list. Enter the amount of the total deposit. Zeroes automatically populate as cents. If a user enters an amount of 5000, this populates as Select the account that this deposit is being created. This option is only available for electronic deposit ticket types. SCO Merchant Capture 15 4/21/2010

15 Create New Deposit, continued Click Create to start a new deposit Preparing Checks for Scanning o o o Check the batch for staples, paperclips, and calculator tape, etc. and remove these items. These items will cause the scanner to jam. Ensure all documents are facing in the same direction and not upside down. Jog the documents straight so all documents are stacked together, this will reduce piggybacking, jams, and double documents. SCO Merchant Capture 16 4/21/2010

16 Create New Deposit, continued Place the checks in the scanner Verify Detect Double-Feed is selected before proceeding to scan items Note: This will insure any duplicated items scanned will be detected. Click Scan SCO Merchant Capture 17 4/21/2010

17 Create New Deposit, continued When the feeder is empty, the User Actions window will display the message stating that the update is complete. Select one of the User Actions options When the user has completed scanning all checks for the deposit, select Capture Complete SCO Merchant Capture 18 4/21/2010

18 Correct Jammed Documents If a document jams during the scan process, the scanner will stop and the message box will display an error message. Click OK for the scanner to try and clear the jam Click Cancel to stop Place jammed items back in hopper Click Scan Review the transaction section of the screen to display all items that were successfully scanned. Note: Only the items with images that the user can see on the transaction grid were actually scanned. The spray on the back of the item(s) is not a confirmation that the image was processed. SCO Merchant Capture 19 4/21/2010

19 All Items All items scanned and captured are displayed in a grid format. Corrections can be made once scanning is complete. The Deposit Information box will show the Deposit Total, Check Total, and if any differences have been detected between the deposit total and the checks total. Note: If the Deposit Total and the Checks Total agree and the Difference is $0.00 the deposit is ready to be submitted. Click All Items To edit a transaction: Click the MICR information displayed in a grid below the image Enter the correct information below the check Click Update Item or hit Enter SCO Merchant Capture 20 4/21/2010

20 Exceptions If the scanner is unable to read the amount written on the check, the item will be listed under the Exceptions tab. Exceptions occur when data is missing or was entered improperly into the system. All items that require correction are displayed in Pink or with an X under the column that needs correction to the item. Click Exceptions Enter corrected Information in Field Click Update Item or hit Enter SCO Merchant Capture 21 4/21/2010

21 Exceptions, continued In addition, if an item fails Image Quality Analysis, it will be listed under the Exceptions tab and is displayed on the grid in Pink with an X. This must be corrected before a deposit can be submitted. Examine the images of the front and back of the check to determine if it is acceptable. Click the Item in transaction grid To edit item: Enter the corrected information Click Accept Image If the Image Quality is not acceptable, click ReScan Note: If the image of the scanned item is difficult to read, the entire item can be enlarged by clicking on the image and moving the mouse across. SCO Merchant Capture 22 4/21/2010

22 Exceptions, continued If an item does not meet Image Quality Analysis and needs to be rescanned: Click the Item in the grid Click Rescan A warning window will be displayed. Click Yes to continue the rescan process SCO Merchant Capture 23 4/21/2010

23 Exceptions, continued When rescanning an item, the MICR is compared to that of the original item. If there is a match, the image is overlaid. If the rescan item does not match the previous scan, a Warning window will be displayed. Click Yes to accept the image Click Cancel to rescan When all exceptions have been corrected, click Update Item and the exception items are removed from the list and replaced with a green checkmark SCO Merchant Capture 24 4/21/2010

24 Delete Item If an item is scanned upside down or backwards, the item will need to be deleted and rescanned. Verify the item selected is the item to be deleted. Click the Item from the grid To delete an item: Click Delete Item Note: Items must be deleted one at a time. SCO Merchant Capture 25 4/21/2010

25 Duplicate Checks The system will automatically identify duplicate checks that it detects within the current batch or from any previously scanned batch within 90 days. Both checks will be displayed side by side and a message will display at the bottom of the screen: Duplicate Items. Or Click the Show Duplicates tab Click Accept Duplicate Click Delete Item SCO Merchant Capture 26 4/21/2010

26 Delete a Deposit Allows users to delete a deposit and not submit for approval. Click the Remove Deposit tab Message will be displayed, click OK to delete this deposit SCO Merchant Capture 27 4/21/2010

27 Submit Deposit The Deposit is ready to be submitted when all transactions are in balance, duplicate items have been addressed, and all errors have been corrected. If the user attempts to submit the deposit without correcting an exception issue, an error message will be displayed. If the values do not match, arrow through the amount fields in the transaction grid to correct and balance the deposit Click Submit Deposit when the deposit is free of errors **You have the option to print a report of all items within the deposit that includes images. Click on the Detailed Report tab and select Generate PDF with Images.** Field Deposit Checks Difference Items Total/Checks Description Displays what the merchant added and typed into the field. The sum of all scanned deposit items. Displays the difference between the deposit amount and the checks total, if any. Total number of items/checks. SCO Merchant Capture 28 4/21/2010

28 Deposit Status Once the deposit has been submitted, the main menu will appear. The Pending Items tab is the default, click the All Deposits tab to view all submitted batches. Click Deposit ID to view a specific deposit Click Action to view the deposit status **Reminder: Verify all batches show SUBMITTED or DELIVERED before logging out for the day. Batches will not be processed unless they reflect a SUBMITTED or DELIVERED status** SCO Merchant Capture 29 4/21/2010

29 Deposit Status, continued Deposit Status Descriptions Open - A deposit/batch is placed in open status when it is newly created, when a capture operator has reopened a batch to add additional items, or to resolve exceptions. Suspended - A deposit/batch is placed in suspended status when a capture operator saves a batch for later capture or exception resolution. This status is functionally the same as open but indicates that no one is currently working on the deposit. Capture Complete - A deposit/batch is placed in capture complete status when it is selected by the capture operator. This status alerts the operators that there is no more capture work, but there are exceptions to resolve before it will be ready for approval. Ready For Approval - A deposit/batch will be automatically placed in Ready For Approval status when it is in capture complete status and the operator has resolved or accepted all capture exceptions. Submitted - A deposit/batch will be placed in submitted status when an approver submits the batch and all exceptions are resolved or accepted. A deposit that has been submitted can be viewed but not modified. Delivered A deposit/batch is placed in delivered status once the batch has been aggregated in the VTS Suite for processing. SCO Merchant Capture 30 4/21/2010

30 APPENDIX

31 Appendix A Menu Functions/Keys Scan Fields/Buttons Field Serial Transit Account Check Amount Scan/Rescan Insert Item Scan Simulate Update Item Delete Item Capture Complete Accept Image Suspend Scan Submit Deposit Detect Double-Feed Description Enter the check s serial number. Enter the transit number. Enter the account number on the check. Enter the check number. Enter the amount of the check. Press this button to begin the scanning process or to rescan an image depending on the option available. Insert items after the initial scan is completed. This is for testing purposes only. Highlight the line of data to update and select this button. Highlight the line of data to delete and select this button. Select this button when all checks for the deposit are finished scanning. Accepts the image if Image Quality is checked as failed. Stops the scanning process, suspend the current deposit, and display the deposit status screen. Only displays when the deposit is free of errors. Stops the scanning process if a piggyback item is detected by the scanner. SCO Merchant Capture 33 4/21/10

32 Appendix A Menu Functions/Keys, continued Menu Buttons Button Description Returns the user to the Merchant Capture Home window. Create a new item. If working in the View Customers window, press this button to add a new customer. Refresh the window with the most current information. Click the single arrow to go to the next page. Click the single arrow with the bar to go to the last page. Click the single arrow to go to the previous page. Click the single arrow with the bar to go to the first page. Keyboard Shortcuts Key ESC F1 F2 Description Toggles between duplicate view and all items or exception items if the item has duplicates. If there are duplicates, the ESC key has no effect. Places the cursor in the amount field (MICR Field1) and selects the field for editing. Places the cursor in the check # field (MICR Field2) and selects the field for editing. SCO Merchant Capture 34 4/21/10

33 Appendix A Menu Functions/Keys, continued Keyboard Shortcuts, continued Key F3 F5 F7 Ctrl+A Ctrl+E Ctrl+D Enter Key Up Arrow Down Arrow Page Up Page Down Home End Description Places the cursor in the account # field (MICR Field3) and selects the field for editing. Places the cursor in the RTN field (MICR Field5) and selects the field for editing. Places the cursor in the serial # field (MICR Field7) and selects the field for editing. Switches to All Items. Switches to Exceptions. Displays duplicates. When the cursor is in any of the MICR fields (User Fields or Deposit Total), the Enter key executes update item. Scrolls up one item in the item list. Scrolls down one item in the list. When in View Duplicates, opens the previous duplicate item. When in View Duplicates, opens the next duplicate item. When in View Duplicates, opens the first duplicate item. When in View Duplicates, opens the last duplicate item. SCO Merchant Capture 35 4/21/10