Day 1 Enterprise Duplicate Payment Prevention

How does Dupe Detective distinguish between true duplicates and represented return items?

For on-us payments, the Paying Bank’s outgoing returns system provides updates to the duplicate detection system that enable it to track the returned items. For third party payment processors, such as banks processing correspondent cashletters and the Federal Reserve Bank, this is not feasible. CONIX Systems solves this problem with the X9 Inspector feature. X9 Inspector automatically processes all X9 endorsement addendum records in the X9 files to identify the returned/re-presented status of incoming payments.
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Will I be able to identify duplicates in my outgoing cash letters before they are sent out?

Yes. Your outgoing cash letters can be checked by Dupe Detective^® before being sent to your exchange gateway. Duplicates at the file, bundle and item level will be detected and reported, giving you the opportunity and the information needed to correct these cash letters before sending them. Your exchange partners will be happier because you won’t be sending duplicate files to them.
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Why should I stop duplicate payments before posting?

If you wait until after posting, your customer’s account will have been debited twice for a payment. This can cause tremendous embarrassment for your customer if it results in an overdraft or NSF condition.If your customer is lucky, no other legitimate payments will be impacted and they will just be confused by the posting and correcting entries.
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Why should I include ACH or other payment areas in duplicate payment identification?

Check payments are converted to ACH through ARC, BOC and other processes. Clerical errors have allowed the same check to be presented through ACH and as a check payment. Further, return checks can be represented as ACH payments, which have already been reported as a growing fraud risk. By reporting e-check payments to D upe Detective you prevent these errors and fraud items from being processed.
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How can I detect duplicate payments during my process flow? It will take too long.

It only takes seconds to enter and evaluate payments in the Dupe Detective database. Processing delays, if any, are nominal.
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How can I be sure the reported duplicates are really duplicates?

We only report a payment as a duplicate if all of the following data is matched: the routing and transit number, account number, check serial number and amount. Further, the Dupe Detective database is updated for returns and other item changes that will effect the decision. Finally, you can add accounts and individual payments to a filter table in order to recognize specific customer’s behavior that creates valid duplicates.
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Some of my customers write duplicate checks for their own reasons. Won’t these be stopped too?

They would be if we didn’t give you the ability to list these specific payments and/or customers so we can exclude them from being labeled as duplicate payments.
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My system includes multiple financial institutions. How can I manage individual institutions?

Dupe Detective provides full support for multi-bank processing. Each financial institution can be processed independently. Different configuration settings, such as search periods, data sources or business rules and filters, can vay by financial institution. Both financial institution- and system-level reporting are also provided.
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This will add a lot of cost to my processing because I want my staff to review the duplicates you report.

Not at all. In fact we expect to reduce your total operating costs with Dupe Detective by eliminating customer service calls and research cases. The Dupe Detective business rules engine allows you to determine which duplicate payments need to be reviewed by your staff for a final decision. All the others can be handled automatically. We also provide rules for exporting the duplicates to the appropriate systems for the most efficient handling. These rules can be changed quickly and easily by your Support or Supervisory staff so they can be updated as you learn more about your customer behavior.
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