BFSI · Use case

AI Cheque Processing and Signature Verification

AI-assisted cheque reading and verification, including signature comparison, amount validation, date and validity checks, MICR analysis, alteration detection and Positive Pay verification where applicable.

  • Signature comparison
  • Amount validation
  • Date & validity
  • MICR analysis
  • Alteration detection
  • Positive Pay
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Why now

Faster clearing needs faster, more reliable checks

Under the Cheque Truncation System (CTS), cheques clear as images rather than paper. RBI’s move to continuous clearing in CTS from October 2025 shortens the time banks have to verify each cheque.

Manual checking of signatures, amounts, dates and alterations does not scale to that pace. AI assistance helps operations teams verify more cheques, more consistently, and focus human attention on the exceptions.

What the platform checks

Every cheque, checked the same way

  • Signature comparison against reference signatures
  • Amount validation, including words versus figures
  • Date and validity checks
  • MICR analysis
  • Alteration detection
  • Positive Pay verification where applicable

Capabilities

Built on document intelligence and Computer Vision

Document intelligence

Reads printed and handwritten fields on the cheque image.

Computer Vision

Analyses signatures and images for attributes and anomalies.

Machine Learning

Supports matching, classification and verification.

Configurable rules

Applies each bank’s business rules and thresholds.

Workflow

Routes exceptions for review as per the bank’s process.

Integration

Works with the bank’s existing systems.

FAQ

Frequently asked questions

How does AI help in cheque processing?

AI reads the cheque image, extracts fields such as amount, date and account details, compares the signature against reference signatures, checks for alterations and validates the cheque against rules, so staff can focus on exceptions.

What is Positive Pay verification?

Positive Pay is an RBI mechanism where the account holder shares key details of a high-value cheque in advance, and the bank checks the presented cheque against them. The platform supports Positive Pay verification where applicable.

Can it detect cheque alterations?

Alteration detection is one of the checks the platform performs as part of AI-assisted cheque verification.

Does it work with CTS?

The platform works on cheque images and is designed to integrate with the bank’s existing systems and workflows. Talk to us about your CTS and clearing setup.

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