OS/400 Edition
Volume 3, Number 5 -- February 4, 2003

inFORM Decisions Updates Software for Fighting Check Fraud

by Alex Woodie

inFORM Decisions recently started shipping an enhanced version of iSeries Positive Pay, a check-fraud-fighting application that improves the communication between companies and their banks in identifying authentic and forged checks. iSeries Positive Pay 4.0 integrates with any OS/400-based check-writing application, not just inFORM Decision's check software, the company says.


Dan Forster, president of Irvine, California, based inFORM Decisions, says check fraud is a growing problem. "According to a top U.S. accounting firm, 500 million checks are forged annually, with losses totaling more than $10 billion," he says. "The law generally allows merchants and banks to seek restitution from the payee, so it's important to do everything you can to limit your exposure and liability. That's what iSeries Positive Pay 4.0 does."

iSeries Positive Pay works by capturing pertinent check information, such as check number and amount, from the check-writing application (such as inFORM Decision's iCheck and other MICR check applications). This check information is saved in a cash handling file and is summarized in a Positive Pay Report, which is periodically sent to the bank.

Once the bank receives the information, it is forbidden to pay out on any check not included in the Positive Pay Report. If the bank does pay for a fraudulent check, it is responsible for the funds, not the company. "By implementing this powerful security module, a company is offloading accountability and responsibility of check fraud to its bank," Forster says. "If for any reason the bank cashes a check that was not on the report, the bank is liable."

iSeries Positive Pay was initially developed as an add-on module for inFORM Decisions' iCheck software.

There are two new connectivity features in iSeries Positive Pay 4.0 that are expected to reduce companies' network maintenance costs and bank fees. In previous releases, users initiated multiple sessions if they wanted to send the bank check data for more than one bank account. With the new Account Stacking feature in version 4.0, the product can send data for multiple accounts in a single session.

iSeries Positive Pay 4.0 also supports sending check data via FTP. In previous releases, Positive Pay used the iSeries server's Electronic Customer Support (ECS) modem to send data directly to the bank. inFORM Decisions says many banks have begun accepting transmissions via FTP over an asynchronous line, thus making that form of communication an attractive alternative to using the ECS modem, which costs more to buy and maintain.

iSeries Positive Pay 4.0 is available now, for OS/400 V3R7 and higher. License fees for the product cost $3,000 regardless of the iSeries or AS/400 model. This fee also includes configuration assistance and testing services from inFORM Decisions. For more information, visit the company's Web site at

Sponsored By

High Availability / Disaster Recovery
The World's Best High Availability Solution!

iTera offers a complete continuous availability solution for:

  • System failures and disasters
  • Application software upgrades and data conversions
  • File reorgs
  • Backups and system saves
  • System migrations

To realize the benefits of true 24/7 operations, call 800-957-4511, email us at, or visit our website at


ProData Computer Svcs
Aldon Computer Group
Esker Software
CMS Manufacturing Systems
S4i Systems


PKWARE Refreshes Entire PKZIP Line with 256-bit AES Encryption

Chicago Bank Finds High Availability a Good Investment in Reputation

Maximum Availability Rolls Out More Support for OS/400 Objects

inFORM Decisions Updates Software for Fighting Check Fraud

Help/Systems Embraces the PDF with New Conversion Utility

News Briefs and Product Shorts

Alex Woodie

Managing Editor
Shannon Pastore

Contributing Editors:
Dan Burger
Joe Hertvik
Shannon O'Donnell
Timothy Prickett Morgan

Publisher and
Advertising Director:

Jenny Thomas

Advertising Sales Representative
Kim Reed

Contact the Editors
Do you have a gripe, inside dope or an opinion?
Email the editors:

Copyright © 1996-2008 Guild Companies, Inc. All Rights Reserved.