Top Image Systems (TIS) has launched mobile banking solutions to support services that will allow cheques, utility bills and invoices to be sent to the bank for deposit or payment using a camera-equipped smart phone.

Clive Williams Senior Vice President of TIS Business Banking Unit, said, "The impact of smart phone technology on everyday life is undeniable and developing applications that make the most of this trend is imperative. The momentum behind mobile banking has financial institutions looking to accelerate adoption of mobile banking solutions.

The new mobile banking solutions are part of TIS's eFLOW Banking Platform. Any information entering the bank, whether paper based or digital, in the front or back office is processed, understood, classified and delivered fully automated through the business processing chain with minimal errors.

A customer can capture the upside down image of a cheque from anywhere – even in places with low ambient lighting – simply hit the "Send" from a smart phone, and know that the data will be sent securely and will readable by the bank.

Behind the scene, TIS's eFLOW Banking Platform is capturing the image, rotating it, "cleaning" shadows and automatically adjusting contrast; it then extracts the check's MICR line, compares the amount, verifies the signature, and reads the account number and balance before sending it on to bank's system for clearing.

(TIS products are distributed in Australia by ASI Solutions.