Remote Deposit Capture Services
- Since 1988
- Privately Owned
- Real-World Solutions
Easy-To-Use Solutions
Our First Touch iCapture product is an easy-to-use RDC solution for banks and their clients. Checks are scanned from the bank customer’s location and transmitted over a secure line for immediate processing at the bank, eliminating the physical transportation of checks and allowing quicker access to funds.
Software Earnings Inc provides banks with a complete line of remote deposit capture solutions. Solutions include GUI interfaces for both the customer and bank along with multiple layers of administration controls, balancing details, and scanning options. Remote deposit capture products include: Merchant, Corporate, Correspondent, Cash Letter Exchange, and Remittance. Software Earnings’ solutions include GUI interfaces for both the customer and bank along with multiple layers of administration controls, balancing details, and scanning options.
Check out the Remote Deposit Capture Suite components:
All Remote Deposit Capture Suite products are offered together or ala carte. Fill out Software Earnings Inc.'s form to request service.
Streamline Deposit of Checks
Remote Deposit Capture is a simple-to-use electronic deposit solution for banks to provide to their merchant and corporate customers. Checks are scanned at the customer’s business(es) and transmitted securely over the Internet for immediate processing at the bank.
RDC will eliminating the physical transportation of their checks and also allow quicker access to their funds. Our solution allows installation via the Internet to simplify software distribution and maintenance by banks for their RDC customers. In addition, data is stored at the central site rather than at the client’s location, allowing for distributed scanning, balancing, and auditing.
Merchants are looking for banking relationships that offer convenience. They want to do business with a bank that can make their banking experiences simple and efficient. Banks have an opportunity to attract new customers and increase overall deposits by breaking through the traditional limitations imposed by physical branch facilities.
Simple and Efficient
Remote Deposit Capture software installs on Windows® operating system PCs and integrates with low-volume scanners. Implementation will have no negative impact on existing operations and 24/7 customer support. We provide additional online training seminars for bank personnel. Software Earnings’ RDC solution include GUI interfaces for both the customer and bank along with multiple layers of administration controls, balancing details, and scanning options.
Merchant Capture
With Merchant Capture, banks have an opportunity to attract new customers and increase overall deposits, breaking through the traditional limitations imposed by geographical location and physical branch facilities. Merchant Capture is a simple-to-use remote deposit solution for banks and their merchant clients. Checks are scanned at the merchant’s business and transmitted over a secure line for processing at your bank and allowing quicker access to funds.
Merchant Capture Features
Product Proven
- In production since 2003
- Currently processing over a billion dollars a day in transactions
- Over 5000 capture locations, implemented at both regional and community banks
- Scalable
Easy-To-Use
- Takes less than a day to learn the functionality
- Windows® operating system application that with a step-by-step process
- The merchant needs a PC and an internet connection
- System uses a low-volume scanner and takes only a minimum of desktop space
- Both long and short style checks may be used, deposit slips are optional
Deposit Process
- Client can send deposits anytime based on the receiving bank’s work flows
- Deposits can be made to your bank, regardless of your merchant or branch locations
- System can be used at multiple merchant locations and provides breakout and summary reports across the merchant’s enterprise
- Allows all of a merchant’s locations to scan deposits directly into a central database for transmission to the bank
- Security can be administered from a central location
Security
- Provides duplicate detection at both item level and file level
- Provides user prompts and notifications to help ensure corrective action is taken
- Notified of the deposit status is immediately after the bank receives the deposit
- The bank control center monitor displays any deposit errors in red,prompting action by the bank; the merchant will be notified of the problem resolution
Additional features
- Provides the option for a client to create image and data output files containing deposit information for use with 3rd party accounting software
- Supports both RC and BOC processing for those items that qualify to be converted
- Designed for both smart and thin client environments or both versions
- Certified X9. files for input or output
Remote Remittance Capture
Remote Remittance Capture allows users to scan coupons and corresponding checks to capture codeline and deposit data. Product includes output files for accounting programs and RDC transmittal.
Remote Remittance Capture enhances remote deposit capture with remittance organization and digitized coupon recording. The scanned coupon allows for better accounting management.
Remote Remittance Capture solution links coupons to corresponding checks and stores receipts in an archive of customer records. Customers place coupons and corresponding checks into a check scanner which will capture code line information from both the checks and the coupons. It will optically and digitally place that information into appropriate data remit fields when scanning is complete.
Take Advantage of Dual Usage
Remote Remittance Capture is an innovative addition to Software Earnings’ line of remote deposit capture (RDC) solutions. In addition to remote deposit capture functions, Remote Remittance Capture enhances users’ remittance organization. It allows better accounting management with digitized remittance coupon recording. Remittance Capture is designed for customer convenience and ease of use.
Remittance Functionality
Remote Remittance Capture solution links coupons to corresponding checks and stores receipts in an archive for the customer’s records. Users place the coupons and corresponding checks into a check scanner which captures code line information from coupons and digitally places information into appropriate data remit fields when scanning is complete. This provides a database of remittance and deposit transactions. The solution makes digital replacement coupons for corresponding checks that are missing coupons. RRC provides output files for accounting software programs.
Remote Deposit Capture
Using a PC and scanner, the user creates an electronic deposit file by scanning check deposits. Once the user has saved a deposit file, it can be opened and completed at any time. When the file is submitted, the system transmits the batch of deposits to the bank over a secure line allowing faster availability of funds from the bank.
Product Highlights
- Easy-to-use and improves business management and efficiency
- Remote Remittance Capture database includes a search feature that allows users to retrieve both deposit and remittance records easily
- Electronic presentment of deposit to bank (ANSI X9 format)
- Scalable solution for multi-volume customers
- Uses secure, multi-factor authentication for FFIEC compliance
- Sets up multi-coupon types and corresponding scan lines
- Creates custom output files with select output fields
- Remote Remittance Capture Features
Equipment
- Digital Check® scanner with native driver or Panini® scanner with Ranger® and OCR license
- PC with Windows® XP Professional, Vista® Business, or Windows® 7 Professional operating systems with Internet connectivity
- Installs onto the user’s PC via Web interface with automatic software updates
Application Highlights
- Captures the front and back images of each item scanned
- Reads and records MICR codeline and uses RECO technology for CAR/LAR fields
- Reads and interprets the scan line of each coupon
- Flags scanned field misreads for data that need to be manually keyed
- Locates items with the search history utility
- Allows quick access with hot key codes for frequently used field values
- Allows setting adjustments for endorsement of items during the scanning process
- Images and data files from each deposit are saved in a specified archive folder.
- Data files with purge settings
Remittance Highlights
- Associates checks to coupons or coupons to checks
- Detects checks without associated coupons and creates substitute coupons
- Matches customer’s banking information to the customer’s billing accounts
- Performs a check digit review on the account number# of the remittance line
- Creates an output file containing deposit details for previously transmitted deposits
- Generates a deposit detail report automatically after each successful deposit
- Creates an output file supporting various accounting software and output files
- Prints deposit detail items reports
- Archives images and data files in a specified archive folder with purge settings
Security
- Provides multi-factor authentication for FFIEC compliance
- Provides secure transmission of balanced deposits to the bank
- Notification via E-mail for deposit confirmation status
- Assigns groups and function permissions for security administration
- User code and password security
- Bank validation rules may be applied
- Connects to the bank through the bank’s existing firewall
Remote Correspondent Capture
Remote Correspondence Capture allows traditional paper cash letters to be scanned and electronically transmitted between exchange partners for immediate processing. Banks will reduce courier expenses and processing risks and gain enhanced timeliness and efficiency in their payments processing operations.
Enhance Correspondent Relationships
Correspondents are looking for banking relationships that offer convenience and cost-effectiveness. They want to partner with a bank that offers new technology, at reasonable costs, to help them increase efficiency and reduce expenses and risk.
Eliminate Transporting of Deposits
Remote Correspondent Capture is a simple to use remote capture solution for banks and their correspondents. Traditional paper cash letters are scanned at the correspondent bank’s location and transmitted over a secure line for immediate
processing at a bank’s operations center.
This eliminates the physical transportation of the deposits and allows expanded processing windows. Remote Correspondent Capture will significantly improve overall operational efficiency while reducing transportation costs.
Simple and Efficient
Remote Deposit Capture software installs on Windows® operating system PCs and works with low-volume scanners. You get additional online training seminars and 24/7 customer support. Implementation will not have any negative impact on existing operations, and training will be provided to bank personnel. Software Earnings’ RDC solution include GUI interfaces for bank operations along with multiple layers of administration controls, balancing details, and scanning options.
Benefits
- Eliminates expense, time, and delays associated with transporting paper CL
- Earlier receipt of cash letters
- Improves overall efficiency
- Allows more favorable clearing deadlines
- Retains the images, making research adjustments easier
Remote Correspondent Features
Product Proven
- In production since 2003
- Currently processing over a billion dollars a day in transactions
- Over 5000 capture location implemented at both regional and community banks
- Scalable
Easy-To-Use
- The installation and configuration of the system only takes a few hours
- Combined with testing, training, and communication verification, the entire system can be ready to send and receive imaged items in less than a week
- Takes less than a day to learn the functionality
- Windows® operating system application with a step-by-step process
- Bank needs a PC and an Internet connection
Deposit Process
- Automatically generates custom e-mail and text messages
- Includes expandable message history or multiple messages
- Alerts late, in-process, error, unexpected, or completed status
- Flags duplicate files to provide for decisioning
Security
- Automatically identifies and directs electronic files
- Establishes rules and waypoints to workflow steps
- Establishes schedules for inbound and outbound work
- Allows route selection for unexpected files
- Tracks expected, unexpected and current status files
Additional Features
- Reports for scheduled variances and errors
- Ranks performance relative to schedules and SLAs
- Provides open statistics database architecture for custom report tool integration
Back Counter Branch Capture
Back Counter Capture Branch Capture is a simple to use remote capture solution for banks and their branches. Branch personnel scan checks, capturing image and MICR data for transmission to the central check center for processing. Our solution will significantly improve overall operational efficiency while reducing transportation costs and risks. The remote deposit capture platform is expandable, allowing banks to exchange cash letters with exchange partners; receive remote deposits from corporations or merchants, and cash letters from correspondent banks; and input from lockbox/remittance documents.
Enhance Efficiency
Banks are looking for ways to enhance improve efficiency in check operations to control the per-item processing costs caused by the decline in U.S. check volumes. Back Counter – Branch Capture is a simple to use remote deposit capture solution for banks and their branches. Branch personnel scan checks, capturing image and MICR data for transmission to the central check center for processing. This reduces courier expense, expands cut-off windows, and eliminates the need to proof-encode the items, further reducing costs and getting the checks into the item processing workflow faster.
Simple and Efficient
Back Counter – Branch Capture software installs on Windows® operating system PCs and will work with low-volume scanners. There are additional online training seminars along with 24/7 customer support. Implementation won't have any negative impact on existing operations, and training is provided to bank personnel. Software Earnings’ RDC solution include GUI interfaces for both the customer and bank along with multiple layers of administration controls, balancing details, and scanning options.
Benefits
- Reduces courier expense and eliminates proof-encoding
- Extends cut-off windows and improves overall efficiency
- Processes using existing downstream systems and procedures
- Improves overall efficiency
Back Counter Capture Features
Product Proven
- In production since 2003
- Currently processing over a billion dollars a day in transactions
- Over 5000 capture location implemented at both regional and community banks
- Scalable
- Scan and Go model available for direct send image and codeline to processing center
Easy-To-Use
- Takes less than a day to learn the functionality
- Windows® operating system application that with a step-by-step process
- System uses a low-volume scanner and takes only a minimum of desktop space
- Both long and short style checks may be used, deposit slips are optional
Deposit Process
- Scanned checks and the system creates an electronic file for transmission to the bank’s back-office operations
- Allows branches to transmit throughout the day to spread the scanning volume while allowing check processing areas to earlier receipt
- Transit items can be sent out the same day, resulting in better availability
- Eliminate proof encoding the items
- Certified X9. files for input or output
Security
- Security features built into the system will pass audit requirements
- Branches keep their checks for proper handling procedures
- Notification of the deposit status immediately after processing site receives the deposit and possible problem resolution
- Control center displays any deposit containing errors
Additional Features
- Reports for scheduled variances and errors
- Ranks performance relative to schedules and SLAs
- Provides open statistics database architecture for custom report tool integration
Remote Cash Letter Exchange
Using Remote Cash Letter Exchange, banks and credit unions can now afford to electronically exchange image cash letters with the Federal Reserve Bank, other banks, and exchange partners, using an exchange platform that works seamless with existing systems. Remote Cash Letter Exchange allows traditional paper cash letters to be scanned and electronically transmitted to the fed and other exchange partners. In turn, cash letters can be received, allowing image exchange files to be processed or IRDs to be printed and processed by the institution’s standard system.
Take Advantage of Check 21:
The passage of Check 21 legislation brought promises of an evolving financial payments environment that would ultimately lead to tremendous cost savings. This would be accomplished through the electronic clearing of transactions via images rather than the movement and processing of paper.
Electronically Exchange Image Cash Letters:
Using Remote Cash Letter Exchange, banks and credit unions can now afford to electronically exchange image cash letters with the Federal Reserve Bank (FRB), other banks, and exchange partners, saving significant costs in courier fees using an exchange platform that works seamless with existing systems. Remote Cash Letter Exchange, allows traditional paper cash letters to be scanned and electronically transmitted to the FRB and other exchange partners. In turn, cash letters can be received, allowing image exchange files to be processed or IRDs to be printed and processed by the institution’s standard systems.
Simple and Efficient:
The solution includes pre-configured software, online training seminars, and 24/7 customer support. Implementation is simple and there is no negative impact on existing operations. Banks can operate the solution in a few short days.
Benefits:
- Reduces courier expense
- Eliminates proof-encoding
- Extends cut-off windows and improves overall efficiency
- Bank receives X9 files
- Process using existing downstream systems and procedures
Product Proven
- In production since 2003
- Currently processing over a billion dollars a day in transactions
- Over 5000 capture location implemented at both regional and community banks
- Scalable
Easy-To-Use
- Takes less than a day to learn the functionality
- Windows® operating system application that with a step-by-step process
- The merchant needs a PC and an internet connection
- System uses a low-volume scanner and takes only a minimum of desktop space
- Both long and short style checks may be used, deposit slips are optional
Security
- Provides duplicate detection at both item level and file level
- Provides user prompts and notifications to help ensure corrective action is taken
- Notified of the deposit status is immediately after the bank receives the deposit
Additional Features
- Produces X9 image cash letter file ready for transmission to an exchange partner
- Integrated into the FRB required protocol for file transmission
- Designed for both smart and thin client environments or both versions
Duplicate Item Detection
Innovative and non-intrusive, Duplicate Item Detection will examine items to isolate duplicate items at any point in the bank’s payments processing workflow. Duplicate Item Detection reviews each item’s codeline and image file size and examines for duplicate items against previous deposits for a time frame set by the bank. After the duplicate detection process is complete, the results will be compared to a threshold parameter defined by the bank.
Files that exceed the threshold allowance will be suspended for further decisioning. After decisioning, items that are confirmed to be true duplicates will be flagged on the output file for downstream adjustments. Integrating with Software Earnings’ OnTrac application, Duplicate Item Detection provides a notification Email for both the customer and internal bank personnel (optional).
Essential Validation:
Duplicate Item Detection can be utilized at any point in the bank’s payments processing workflow to detect and decision potential duplicate items. Because of this, our solution provides a much-needed defense to minimize the negative impact duplicate check deposits cause through double posting.
Much Needed Defense:
Every day, banks receive electronic deposit files. These incoming X9 deposit files and other electronic file formats have produced an array of variables for banks to monitor, manage, and report. Due to the extensive variety of deposit files, today’s banks need a centralized duplicate item detection solution. Without essential validation, these files are not ready for ingestion into the bank’s payments system. Adding a duplicate item detection solution to banks’ payments processing systems reduce the risk of unauthorized duplicate items being processed.
Review and Validate:
Duplicate Item Detection reviews each item’s codeline and image file size and examines for duplicate items against previous deposits for a time frame set by the bank. After the duplicate detection process is complete, the results will be compared to a threshold parameter defined by the bank. Files that exceed the threshold allowance will be suspended for further decisioning. This will allow the bank to take immediate decisive action.
If the results fall below the threshold, the suspect items will either be subjected to item level decisioning by bank personnel or by automated decisioning rules. After decisioning, items that are confirmed to be true duplicates will be flagged on the output file for downstream adjustments.
Benefits:
When integrated with Software Earnings’ OnTrac application, Duplicate Item Detection provides a notification e-mail for both the customer and internal bank personnel. A GUI, drill-down dashboard presents activity views in detailed configurations. OnTrac is available as a smartphone app.
Duplicate Item Detection System Highlights
- Detects duplicate items across multiple input files for multiple days
- Ingests incoming X9.37, X9.100-180, and X9.100-187 files
- Validation rules
- Single item review and decisioning
- Automated decisioning rules
- Item Codeline
- Image File Size
- Allows decisioning of files and items that fail validation
- Builds audit trails and reports
- Outputs multiple X9 formats — X9.37, X9.100-180, and X9.100-187 files for further bank processing
- Sends notifications and confirmation e-mail
- (Optional when integrated with Software Earnings’ OnTrac application)
- Daily summary report for processed and rejected files
- Browser-based intranet monitoring/message console
- Includes exclusion codeline feature
FFIEC RDC Reporting
FFIEC Remote Deposit Capture (RDC) Reporting is uniquely engineered to provide an effective monitoring and measurement solution for a bank’s remote deposit capture accounts. Information collected from RDC files can be used to set operational benchmarks and standards, as well as to develop reports for monitoring results.
Effective management oversight involves regularly reviewing the reports and periodically conducting reviews and operational risk assessments. FFIEC RDC Reporting ingests RDC files, processes the data with set parameters for compliance reporting, and generates reports. This solution is designed to be a flexible, non-intrusive system that will meet a bank’s ever-changing remote deposit capture environment.
Effective Risk Management:
In 2008, the Federal Financial Institutions Examination Council (FFIEC) issued “Risk Management of Remote Deposit Capture” Guidance for banks using remote deposit capture (RDC).
They state that financial institution management should develop and implement risk monitoring and measurement systems for effective oversight of remote deposit capture. Software Earnings’ FFIEC Remote Deposit Capture Reporting is uniquely engineered to provide an effective monitoring and measurement solution for bank’s remote deposit capture accounts. Information collected from a bank’s RDC files can be used to set operational benchmarks and standards, as well as to develop reports for monitoring results against the standards.
Designed Specifically for FFIEC Compliance:
Many remote deposit capture solutions on the market today were designed without FFIEC review and reporting procedures. FFIEC Remote Deposit Capture Reporting will enhance RDC processes by adding a reporting functionality feature in compliance with FFIEC Security Guidance for RDC. Effective management oversight involves regularly reviewing the reports and periodically conducting reviews and operational risk assessments.
This helps ensure that the bank’s monitoring and reporting process accurately reflects current policies and procedures and sound practices.
Review and Report:
FFIEC RDC Reporting will provide reports that can be structured for the various levels of management. Our reports will address point-in-time activities, trends for individual customers, trends for groups of customers with similar characteristics, and for the RDC product as a whole. FFIEC RDC Reporting will continue to evolve in concert with the ever expanding guidelines as defined by the FFIEC. We continue to foster relationships with leading industry experts to ensure that our product direction stays on target for the future. Our platform ingests the ANSI Standard output files created by the bank’s existing RDC system. With FFIEC RDC Reporting the bank can create additional, custom reports within the parameters of the FFIEC Guidance.
Remote Correspondent Features
Reporting Features
- Facilitates management oversight reports
- Reports violations of deposit thresholds
- Reports velocity metric for
- File size and number of files
- Transaction dollar value and volume
- Number of deposits daily or monthly
- Number of items deposited daily or monthly
- Maximum dollar amount of an item in a deposit
- Maximum dollar amount per deposit
Monitor Point-In-Time Activities or Evaluate Trends
- Individual customers
- Groups of customers with similar characteristics
- Fraudulent activity and capacity utilization
- Anomalous or questionable activity
- Monitoring of operational efficiency
- RDC product as a whole
TIFF Scrubber
TIFF Scrubber for Large Financial Institutions
Incoming X9s have an array of variables that must meet the ANSI X9.100-181 standards. Without essential validation, these files are not ready for ingestion into the bank’s internal payments systems or the downstream payor bank’s systems.
TIFF Scrubber will examine incoming external and internal X9 files to analyze, correct, and report TIFF encoding variances. Corrections to TIFF image encoding will reduce the exposure of transmitting TIFF errors in X9 image items to exchange partners, image archives, and customers.
Image items with compression and encoding errors will be rejected by the downstream payor bank resulting in costly adjustment labor-hours and exposure to associated risks.
Modifications of image encoding include:
- X Resolution
- Y Resolution
- Compression
- T6 Option
- T4 Option
TIFF Tag Repair is also available for community banks with full functionality to validate, correct, and report TIFF encoding errors.
TIFF Scrubber Product Features
Essential Validation
Incoming X9s have an array of variables for banks to monitor, manage, and report. At Software Earnings, we have made it our focus to increase efficiency in payments processing departments due to these types of variables. Depositing systems may lack X9 validation procedures prior to sending these electronic files to their respective banks. While banks can work through this process with costly labor-hours, there is an easier way.
Analyze, Correct, and Report
Software Earnings’ TIFF Scrubber will examine incoming external and internal X9 files to analyze, correct, and report TIFF variances according to the ANSI X9.100-181 specification. This process will provide a much-needed defense system to reduce the exposure of transmitting invalid images to exchanges partners, the bank’s image archive, or to the bank’s customers. TIFF Scrubber does not alter the invalid image; rather, it only corrects the encoding format of the image to stay compliant with the ANSI X9.100-181 standard.
Easily Integrated
TIFF Scrubber is a multi-threaded Windows® operating system capable of processing multiple files concurrently, and requires no end-user intervention. TIFF Scrubber will analyze the images based on the ANSI X9.100-181 specification, automatically correcting the TIFF errors if found. Images that conform to the ANSI X9.100-181 specification remain unchanged. TIFF Scrubber then places the corrected X9 file on the output landing zone for downstream processing.
Audit Reports
TIFF Scrubber provides an XML configuration file and is easily integrated at many points in the payments processing cycle depending on the bank’s needs. TIFF Scrubber provides audit reports and logs that provides the bank’s staff with information they need in the event an image is challenged by a receiving bank, or to provide feedback to a depositor about the invalid TIFF images.
TIFF Tag Repair
TIFF Tag Repair for Community Banks
Incoming X9s have an array of variables that must meet the ANSI X9.100-181 standards. Without essential validation, these files are not ready for ingestion into the bank’s internal payments systems nor ready to be sent downstream to the payor banks. TIFF Tag Repair will examine incoming external and internal X9 files to analyze, correct, and report TIFF encoding variances.
Corrections to TIFF image encoding reduce the exposure of transmitting TIFF errors in X9 image items to exchange partners, image archives, and customers. Image items with compression and encoding errors will be rejected by the downstream payor bank resulting in costly adjustment labor hours and exposure to associated risks. Modifications of image encoding include:
- X Resolution
- Y Resolution
- Compression
- T6 Option
- T4 Option
TIFF Scrubber is Software Earnings’ TIFF validation utility for large financial institutions.
TIFF Repair Product Features
Essential Validation
There are an array of variables provided by incoming X9s for banks to monitor, manage, and report. It's our focus to increase efficiency in payments processing departments due to these types of variables. Depositing systems may lack X9 validation procedures prior to sending these electronic files to their respective banks. Without essential validation, these files are not ready for ingestion into the bank’s payments systems. Banks can work through this process but with costly labor hours. There's a better way.
Analyze, Correct, and Report
Our TIFF Tag Repair will examine incoming external and internal X9 files to analyze, correct, and report TIFF variances according to the ANSI X9.100-181 specification. This process provides a much-needed defense system to reduce the exposure of transmitting invalid images to exchanges partners, the bank’s image archive, or to the bank’s customers. TIFF Tag Repair does not alter the invalid image; rather, it only corrects the encoding format of the image to stay compliant with the ANSI X9.100-181 standard.
Easily Integrated
TIFF Tag Repair is a multi-threaded Windows® operating system capable of processing multiple files concurrently and doesn't require any end-user intervention. TIFF Tag Repair analyzes the images based on the ANSI X9.100-181 specification and will automatically correct any TIFF errors. Images that conform to the ANSI X9.100-181 specification remain unchanged. TIFF Tag Repair then places the corrected X9 file on the output landing zone for downstream processing.
Audit Reports
TIFF Tag Repair provides an XML configuration file and is easily integrated at many points in the payments processing cycle depending on the bank’s needs. TIFF Tag Repair provides audit reports and logs that provide the bank’s staff with the information they need in the event an image is challenged by a receiving bank, or to provide feedback to a depositor about the invalid TIFF images.
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Software Earnings Inc.
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