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SOA Architecture, Scalable Solutions for Centralized and Distributed Check Processing Š 2009 Orbograph, Ltd. - All Rights Reserved 06/17/09


Important Notice This document is submitted subject to the following conditions and restrictions: The document contains proprietary information belonging to Orbograph Ltd. Such information is supplied solely for the purpose of assisting explicitly and properly authorized users of G6 Enterprise Recognition Technology. No part of the document contents may be used for any other purpose, disclosed to any person or firm or reproduced by any means, electronic or mechanical, without the express prior written permission of Orbograph Ltd. The text and graphics are for the purpose of illustration and reference only. The specifications on which they are based are subject to change without notice. The software described in this document is furnished under a license. It may be used or copied only in accordance with the terms of that agreement. The information in this document is subject to change without notice. Corporate and individual names and data used in examples herein are fictitious unless otherwise specified. Copyright ď›™ 2009 Orbograph Ltd. All rights reserved. Other company and brand products and service names are trademarks or registered trademarks of their respective holders.

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Table of Contents Important Notice ...............................................................................................................................II Table of Contents ............................................................................................................................ III List of Figures ................................................................................................................................. III Overview ........................................................................................................................................... 1 Scalability for All Check Processing Environments ......................................................................... 2 High-Level centralized system workflow.......................................................................................... 4 Software components ........................................................................................................................ 6 Enterprise Servers.......................................................................................................... 6 Image Store.................................................................................................................... 6 Task Database................................................................................................................ 7 Web Service .................................................................................................................. 7 Profile Database............................................................................................................. 7 G6 Clients...................................................................................................................... 8 Implementation Options .................................................................................................................... 9

List of Figures Figure 1. Centralized and multiple distributed thin client sites ............................................................. 4 Figure 2. Branch implementation .......................................................................................................... 9

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G6 SOAArchitecture

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Overview This document summarizes the underlying architecture of G6 Enterprise Recognition Technology. The G6 Platform is specifically designed to support a number of recognition-centric products and services. The reader will find that the SOA architecture is key differentiator, as it provides a technology path to meet the current and future business needs of financial institutions. G6 Enterprise Recognition Technology is now the platform of choice for the following products and services: Automation9, Sereno, Amount Verification, Orbograph IQUA, and ScanIQA. Orbograph Payee Name Verification will be available later in 2009. Additional data mining and collection capabilities are also available with On-Demand DMR. In the past, the OrboCAR system provided a reliable and robust solution, also acting as the platform for products such as Accura, Super Trinity and the RBox feeding APEX. Orbograph invested heavily in system architecture, leveraging the benefits which SOA provides. As financial institutions are more open to interoperable systems, the G6 Platform becomes a callable service for any application on the enterprise, including C#, .NET and Java applications. SOA defined is “an application architecture in which all functions, or services, are defined using a description language and have invokable interfaces that are called to perform business processes. Each interaction is independent of each and every other interaction and the interconnect protocols of the communicating devices (i.e., the infrastructure components that determine the communication system do not affect the interfaces). Because interfaces are platform-independent, a client from any device using any operating system in any language can use the service. Though built on similar principles, SOA is not the same as Web services, which indicates a collection of technologies, such as SOAP and XML. SOA is more than a set of technologies and runs independent of any specific technologies.� (http://www.webopedia.com/TERM/S/Service_Oriented_Architecture.html)

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G6 ENTERPRISE RECOGNITION TECHNOLOGY

SOA PL ATFORM

Scalability for All Check Processing Environments Distributed processing provides an opportunity for check processing providers to reinvent the workflow of check imaging. Within this environment, Orbograph customers have seen significant challenge managing recognition systems across the enterprise. Whether a financial institution is looking for front-counter, backcounter, regional, or centralized capture, the objective of the G6 Platform was to address all environments seamlessly with an aggregation capability to report and manage recognition processing in all locations. This is particularly important when the processing objective is to attain straight-through-processing levels of efficiency running the Automation9 recognition service. (Refer to Automation9 brochure) The highly scalable G6 solution provides the infrastructure for an enterprise recognition resource for multiple applications utilizing any of the recognition-centric applications simultaneously. Additionally, interface is the same, whether the system is activated as a local recognition engine or remotely as an IIS service. Leveraging Orbograph’s experience with large banks, The G6 Platform provides the highest throughput levels in the industry. The system uses a flexible configuration methodology for many of the internal components, allowing for recognition services to be run across multiple systems, supporting virtualization. Because most customers run the recognition process as a mission critical application, complete redundancy can be configured. An example of how multiple recognition-centric products and services can be run concurrently for hundreds and even thousands of capture devices concurrently is summarized below: • Prime pass POD can run Automation9 for amount recognition for centralized and branch capture work with read rates over 98% with accuracy levels over 99% • Real-time fraud detection actively runs on ON-US checks, using signature verification and check stock validation from Sereno. (Note: Day0 fraud is run when capture with teller capture.) • Orbograph IQUA and Amount Verification runs concurrently while the image inclearings are processed. • Remote Deposit Capture using thin client IIS access is running at the same time accessing Automation9 and IQUA. The system can configured to address the very high end of throughput requirements by utilizing the computation power of dozens of machines at full CPU utilization. Meanwhile, smaller community financial institutions can install a complete G6 system a single machine.

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G6 ENTERPRISE RECOGNITION TECHNOLOGY

SOA PL ATFORM

The G6 Platform achieves high levels of scalability by using an SOA multi-layer architecture, exposing Web Services. Using HTTP/HTTPS as its protocol of communication, The G6 Platform is transparently accessible for local client applications over the LAN as well as remote applications over the WAN or Internet. When using IIS as the primary service for thin client processing, proxies are available in C#, Java and C++ (future). Using HTTP makes the interface highly resilient to network noise and disconnections, and facilitates easy reconnection of jobs in the event of network failures. This is particularly important when utilizing the system in a distributed environment where high resiliency is a requirement in a branch. Another architectural feature of the platform is the Dynamic Recognition Client. This capability enables a financial institution to place the recognition function on any machine within a branch or centralized location. This flexibility utilizes available CPU resources which are available to streamline processing. For system integrators who prefer not to utilize IIS as part of a web interface, a direct API is also available. This approach provides local function calls for “thick client� recognition processing a single computer environment. From a security standpoint, The G6 Platform supports multiple levels of access rights to the system and uses the credentials directly from the LDAP. This provides a common security platform with many systems already in production. The G6 Platform also includes a web-based application Portal, which acts as the command and control center of all recognition processing. The Portal allows for configurable views and reports, providing high for any transport location, including the branch or teller. The Portal includes statistical data of recognition results, fraud suspect rates, image integrity and IQUA, as well as historical performance. In addition to reporting, the system stores images for a short period of time to assist in site optimization. The image database can be used as an excellent tool to review low confidence results, or image suspects. Aggregated reporting is also available through the Business Intelligence (BI) system housed on the Key-Pay Hub for clients running Automation9. The G6 Platform now supports the latest Windows 32 and 64 bit operating systems for maximum throughput. Please refer to the Orbograph G6 Enterprise Recognition Technology Integration Guide to determine the optimal interface methodology for your organization.

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G6 ENTERPRISE RECOGNITION TECHNOLOGY

SOA PL ATFORM

High-Level centralized system workflow The main entry point to the system is a web service. The system implements a Request-Response model, and web service accepts XML requests from multiple client applications across the enterprise.

Figure 1. Centralized and multiple distributed thin client sites

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G6 ENTERPRISE RECOGNITION TECHNOLOGY

SOA PL ATFORM

Once accepting a recognition task from one of the clients, the Web Service, writes a corresponding task to the Task Database. A task is an XML structure which normally includes an image, and one or more requests. For example – a Task could include an image of a check, with 3 different requests to perform CAR, IQUA, and fraud detection. The task is then being pulled for processing by one of the Enterprise Servers (ENS). The ENS routes the different requests to the appropriate internal devices for actual processing, and once done – it writes the results back to the Task Database. The virtually unlimited number of ENS machines is what gives the G6 its high scalability and redundancy. Results are persistent in the Task Database for a configurable time, and are available for the client application to query and retrieve. Results in the Task Database are available not just to the application which sent the request, but also to other potential clients with access to the system. For example – A detailed fraud result for an item sent from a branch implementing day #0 fraud detection, is available also for the fraud group at the center back office. Both the availability of the recognition services across the enterprise, and the option to share results by different applications, eliminate the need to implement multiple systems in different locations, as well as avoiding redundant work on the same item.

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G6 ENTERPRISE RECOGNITION TECHNOLOGY

SOA PL ATFORM

Software components The Sereno system is composed of various components: Enterprise Servers Image Store Task Database Web Service Profile Database G6 Clients

Enterprise Servers The Enterprise Server (ENS) is a self-contained unit, which controls the internal business logic and dispatches tasks (groups of requests) to the Fraud Engine, Recognition Engine, and the Profile Database. The Fraud Engine is responsible for the Signature Verification (SV) and the Check Stock Validation (CSV) processes, while the Recognition Engine provides the other image analysis services such as Payee Matching and IQUA analysis.

Image Store The Image Store contains incoming images and profile reference images. For performance considerations, Images are not being stored in the database, but rather on the file system.

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Task Database The Task Database is part of the interface implementation. It is indirectly accessed by the user through the G6 API. It contains all the requests and responses to and from the G6 system. The Enterprise Servers read requests from the Task Database, process them, and store the processing results in the Task Database.

Web Service The Web Service is the main entry point to the system and its public interface provider. It is installed on a standard Web Server and its functionality is published using a standard WSDL file. The Clients are standard Web Clients connected either locally or remotely via HTTP/HTTPS. The Web Service publishes using three Web methods as follows: Method

Description

Execute

Immediately executes management requests addressed to the system, e.g. control and monitoring, etc.

Submit

Executes complex sets of requests named tasks; tasks are stored in the Task Database for background processing in order to efficiently communicate with the Web Service and use the Enterprise Server resources.

Test Service

Starts a basic self-test of the Web Service and its internal components.

The Web service does not publish Sereno’s full API and functionality. It is merely a “messenger” for receiving Client requests and sending results. The structure of the requests and results is not found in the WSDL but rather in a separate XML schema definition.

Profile Database The Profile Database is a single component at the core of the system, and is fundamental for the Sereno fraud process. It contains historical data analyses settings and thresholds, as well as static information, such as the account owner’s name, payee lists and the accounts linked to a certain account.

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G6 ENTERPRISE RECOGNITION TECHNOLOGY

SOA PL ATFORM

G6 Clients The Client application communicates with the Web Service via Web-Proxies supplied by Orbograph, since the formatting of messages to the Web Service is not fully covered in the Web Service description. The structure and packaging of the Web Proxy is different for each supported platform in order to meet the normal use requirements for a Client application on that platform.

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SOA PL ATFORM

Implementation Options See below an illustration of a blended processing environment with the following services. • Teller capture running the Dynamic Recognition Client with Sereno for real-time fraud detection • Back counter capture running local recognition, still connected to the Centralized Location • Centralized processing with all applications feeding the Task DB for Portal reporting. Images are stored from centralized capture for tuning and optimization.

Figure 2. Branch implementation

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G6 Enterprise Recognition Technology