Strengthen Account Relationships & Expand Geographic Territories
Aurora Mobile Remote Deposit Capture (MRDC) offers financial institutions the ability to expand the advantages of traditional remote deposit capabilities to retail and business members using iPhones, Androids, and tablets. On-the-go members will enjoy the convenience of being able to make deposits securely, from any destination at any time using their mobile device.
How it Works
Seamlessly integrated with Aurora Mobile Banking, a member simply initiates a mobile banking session, keys in their deposit amount and snaps photos of both the front and back of the draft with their smartphone cameras or tablets. Before transmitting the draft images, the images are automatically reviewed for any image distortions or skewing, automatically corrected, and confirmed the images meet Check 21 and mobile image quality standards. The deposit information then securely passes to the MRDC administrative server for review and processing. The draft images are converted into industry-standard Check 21 images for transmission to the financial institution for processing into their item processing and core system. After drafts are submitted successfully, account holders receive automatic notification back from their financial institution alerting them that the transaction was successfully completed. All transactions are transmitted with multiple layers of security and, if necessary, can be traced back to the registered smartphones, marked with time and location to combat fraud.
Manage Users & Mitigate Risk
Aurora MRDC is hosted in our state-of-the-art data facility ensuring security and service reliability. The browser-based administration provides financial institutions secure and convenient access for administering the system remotely. Administrative functions including, user review and enrollment, group and user transaction limits, deposit review and processing, reporting and auditing offer flexibility in how each financial institution offers service plans and manages risk.