INCHEQS ICS (Inward Clearing System) covers the Inward Clearing and Outward Return legs of the Cheque Clearing Process.

INCHEQS ICS allows for processing, managing, and administering inward and outward returned Cheques. It capable to support integration of Signature Verification System which allow cheque to be verified side by side with the customer signature specimens and signing conditions.


INCHEQS OCS (Outward Clearing System) covers the Outward Clearing and Inward Return legs of the Cheque Clearing Process.

INCHEQS OCS allows for processing, managing, and administering outward and inward returned Cheques. It is designed in compliance to Central Bank’s Cheque Truncation standards and support newer document processors such as cheque scanner, and cheque deposit machine. It also capable to integrate with Bank to allow Cheque Deposited via Bank Mobile Apps to flow into INCHEQS OCS for clearing process

INCHEQS Mobile Capturing

INCHEQS Mobile Capturing serves as a tool for remote capturing whereby it brings convenience to the Banks customer to deposit cheque without travel to Bank anymore. Instead of going thru the process of customer deposit cheque to Bank, Bank use a shoebox scanner for cheque image capturing. Customer is now can make use of mobile phone to capture the image of cheque by taking photograph of the Front and Back side of the Cheque with a Mobile App. Mobile App will transfer the cheque images and the amount information that entered by customer to the INCHEQS OCS for clearing process.


INCHEQS CTS (Cheque Truncation System) cater for complete end to end Cheque Truncation Process which facilitates the 4 legs of Cheque Clearing Cycles, including Outward Clearing, Inward Clearing, Outward Return to Inward Return.

3 major key components of INCHEQS CTS, including Bank Portal, Cloud Based Outward Clearing System and Cloud Based Inward Clearing System. The full solution allows presenting member banks to scan, process submit the outward cheque, and paying bank to provide disposal decision on their own bank cheques. Other functionality including Net Settlement for cheque clearing process, PKI Authentication, Bank Administration and Cheque Data Archival.


INCHEQS SDS (Signature Database System) server as center storage repository for all the digital form of customer signature for all Bank account type. It is a web-based solution that enable user to use TWAIN compliance scanner to capture the customer signature from signature card and save into Signature Database System (SDS).

INCHEQS SDS supports integration with multiple brand of signature pad device.

INCHEQS SDS is capable to integrate with Bank Host System by synchronizing the signature images back to Bank host periodically, so that it can to be shared on signature viewing on other host application if required.

It can also be integrated with Bank Cheque Clearing System. INCHEQS SDS is integrated with INCHEQS ICS for Signature Verification screen, and INCHEQS ICS Signature Verification can be done at the same time as Technical verification, where the signature and board resolutions are extracted and placed next to the cheques image and Inward Clearing data for eyeball verification to improve INCHEQS ICS user productivity during verification.


INCHEQS PPS (Positive Pay System) runs on the same platform as the ICS and shares the same database and .NET framework. It can scan cheque images for Payee name, MICR code, Date of Cheque, courtesy amount, and legal amount using Intelligent Character Recognition (ICR) engine to facilitate the positive pay in inward clearing.


INCHEQS ATV/ASV (Auto Technical Verification/Auto Signature Verification) covers the end to end Inward Clearing process. It will replace the existing human manual process and eyes verification. ATV/ASV process will also include an Intelligent Character Recognition and Signature Verification which will replace human element in the verifying process which will ultimately reduce errors and increase productivity. Other than that, having an automated process would also mean that there will no longer be a need for data repairing process, as the system will automatically correct an invalid account, invalid amount, and invalid Cheque number. If errors are found along the verification process, a SMS notification will be sent to the user to alert them of the error. Moreover, with the automated process, it will definitely reduce the workload of the verifier and will also generate a timelier Cheque verification process.

The system can handle positive pay items (cashiers order, demand draft and Bankers’ Acceptance).