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A substitute check (also called an Image Replacement Document or IRD) [1] is a negotiable instrument that is a digital reproduction of an original paper check.As a negotiable payment instrument in the United States, a substitute check maintains the status of a "legal check" in lieu of the original paper check.
The most common national photo identity documents are the passport and passport card, which are issued by the U.S. Department of State to U.S. nationals only upon voluntary application. Issuance of these documents is discretionary - that is, for various reasons, the State Department can refuse an application for a passport or passport card.
In 2008, USAA expanded membership eligibility to all military personnel and retirees, and all veterans who separated after 1996. For a short time, USAA also offered enrollment for federal law enforcement. [25] In November 2009, USAA expanded eligibility requirements to offer coverage to anyone who has ever served honorably in the US Military.
Mitek Systems, Inc is a software company that specializes in digital identity verification and mobile image processing using artificial intelligence.The company's software is used for depositing checks and opening bank accounts via mobile devices.
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An ink signature could be replicated from one document to another by copying the image manually or digitally, but to have credible signature copies that can resist some scrutiny is a significant manual or technical skill, and to produce ink signature copies that resist professional scrutiny is very difficult.