Instant Books are processed solely through automated means without any human intervention. This method ensures swift processing speeds and shorter turnaround times. Currently, only select document types can be processed via Instant. To know more about the Instant supported documents, see the All Supported Documents section.

Complete Books are processed using Ocrolus’ standard approach of initial machine automation followed by Human In The Loop (HITL) validation and verification when required. This process ensures the highest level of accuracy for all Ocrolus support documents.

You can access Instant using one of the following methods:

• Ocrolus API
• Ocrolus Dashboard

Ocrolus API

If you wish to utilize both Instant and Complete processing using Ocrolus API, we recommend using the following workflow:

1. Create the Book as Instant initially and upload the documents.
2. Check the Book results using the Book Status endpoint to identify which documents were successfully processed through Instant. You can configure webhook with verification_complete event to know the status of the Book processing. To know more about webhook configuration, see Configure webhook endpoint and Organization level webhook guide.
3. Review the metrics calculated from the uploaded documents using the following endpoints:
   • Book Summary
   • Cash Flow Features
   • Enriched Transactions
4. If enough documents for gathering information and calculating metrics to make a decision on the application are successfully processed through Instant, you can proceed with the current processing. However, if an insufficient number of documents are processed successfully through Instant or the metrics fall below the desired threshold, upgrade the Book to Complete using the Update Book API. Then, reassess the metrics based on the new processing method.

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Note:

Effective form February 14, 2024, Ocrolus has introduced a new feature to support document-level upgrades from Instant to Complete within an Instant Book. It allows you to upgrade individual documents within an Instant Book to Complete instead of upgrading the entire Book. You can use this feature using Ocrolus API as well Ocrolus Dashboard.

Automatically Transitioning from Instant to Complete

When the bank statements within a Book cannot be parsed via Instant or lack sufficient information for successful processing through Instant, Ocrolus automatically transitions the Books from Instant to Complete using configuration.

When configured, the process unfolds as follows:

1. Books are initially created as Instant Books and all the documents are processed through Instant.
2. If all the documents within the Book are successfully processed via Instant, then the workflow is complete.
3. In case any bank statements in the Book cannot be processed via Instant, the entire Book transitions to the Complete, and all the documents in the Book are processed through the Complete flow.

This automated transitioning process aids in minimizing the number of API calls and reduces the amount of logic that needs to be implemented.

Ocrolus Dashboard

Before you can start using Instant on the Dashboard to work with Books, you must first be configured by Ocrolus to do so. If you're interested in using Instant, please reach out to your Account Manager or contact us at [email protected] today.

Create an Instant Book

To create a Book using Instant, perform the following steps:

1. Log in to the Ocrolus Dashboard.

2. On the Books page, click NEW BOOK in the screen's upper right corner.

3. On the Create New Book pop-up, enter the name of your Book and choose Instant from the Processing Type dropdown list.

4. Click SUBMIT.

5. On the File Uploader window, upload the document and then click SUBMIT.

Identifying processing method

You can identify whether a Book has been processed using Instant or Complete from the Book Summary page on the Dashboard. The Processing Type column on the Book Summary page will show the processing method using which the Book is processed.

Instant processes documents individually, so there might be cases where certain documents within a Book cannot be handled through Instant. Books that have been processed entirely automatically will be marked as Instant, while those processed using Ocrolus HITL will be labeled as Complete.

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Note:

If you cannot locate this column, it indicates that your organization has not been set up for Instant processing. To learn more or to enable Instant for your organization, please get in touch with your Account Manager or contact [email protected].

The Processing Type column also offers filtering options. To use this feature, click on All to open the filter and choose the options you want to filter by.

Furthermore, a blue banner will appear on this page to clearly indicate when the processing type is Instant.

View Book and document status

Once you've created and submitted an Instant Book, the processing will commence. You can check the status of both the Book and its individual documents in various locations.

Book status

You can find this information on the Book Summary page under the Status column. Possible book processing statuses include:

• Verifying: The Book is being verified.
• Verification complete: The Book has been created but no docs have been added.

Document status

You can check the status of individual documents within the book on the Book Overview page. You can hover over the icons to understand their meanings. When processing with Instant, you may encounter the following document statuses:

• Completed
• Completed with Detect signals found
• Rejected
• Rejected: Instant not supported
• Rejected: Invalid document
• Processing
• Processing: Instant not supported

You can convert a book to Complete by clicking the CONVERT TO COMPLETE button located at the right end of this banner.

For information on whether a book has been processed using Instant or Complete, see Identifying processing method.

Checking unsupported documents in Instant

On the Book Overview page, the Status column shows if the document that has been uploaded for processing can be processed via Instant. For details on possible document statuses, click here.

You will also notice a yellow banner in the document preview on the right side of the screen. It indicates that the document type is unsupported. This banner will include a link to convert the book to Complete processing. To learn more about Instant supported documents, see All Supported Documents.

Converting from Instant to Complete (Book-level)

If the Instant results are insufficient, for example, missing data, documents unprocessable by Instant, or absent metrics, you can convert the Book to Complete to obtain the necessary data.

You can convert a Book to Complete after processing via Instant using one of the following methods:

Using the Book Overview page

If you have determined that additional information is required after processing your Book via Instant, then perform the following steps:

1. At the top of the Book Overview page, click on the CONVERT TO COMPLETE.

   

2. A confirmation window appears to confirm if you would like to convert the Book to Complete. Click CONFIRM.

   

3. After the processing starts in Complete, a message will appear in the top right corner stating that your book is now being reprocessed through Complete.

Using the Upload button

You can also change a book to Complete by utilizing the UPLOAD button on the right side of the screen. To use this method, perform the following steps:

1. On the home screen, click the downward arrow of the UPLOAD button and then select CONVERT BOOK from the dropdown list.

   

2. A confirmation window appears to confirm if you would like to convert the Book to Complete. Click CONFIRM.

3. After the processing starts in Complete, a message will appear in the top right corner stating that your book is now being reprocessed through Complete.

Using the Book Summary page

To convert a Book to Complete processing using the Book Summary page, perform the following steps:

1. On the Book Summary page, click on the ellipses located in the Actions column on the right side of the screen.

   

2. A confirmation window appears to confirm if you would like to convert the Book to Complete. Click CONFIRM.

3. After the processing starts in Complete, a message will appear in the top right corner stating that your book is now being reprocessed through Complete.

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   Note:

   Upgrading the entire Book to Complete will mean that any new documents added to the Book after the upgrade will go through Complete processing only. If you’d like newly added documents to be processed through Instant first, please upgrade the documents within the Book to Complete rather than the entire Book, as outlined below.

Converting from Instant to Complete (Document-level)

Upgrading individual documents to Complete while keeping the Book type as Instant will mean that any new documents uploaded to the Book later will be processed via Instant first with the option to upgrade the document to Complete.

There are two places in the Dashboard where you can convert an individual document from Instant to Complete.

Update document column

To convert the document from Instant to Complete, perform the following steps:

1. Log in to the Ocrolus Dashboard.

2. On the Books page, click any Book.

3. Select Upload from the left menu pan.

   

4. Click the Process with button. The upgrade option for the specific document appears in the pop-up.

   

Bottom of the document image pane

At the right-bottom of the document image pane, the buttons represent the upgrade options available for that individual document.

Once you click on either of those buttons, a modal will appear, allowing you to confirm that you’d like to update the selected document. The name of the selected document will appear on the top of the modal and the processing type you’re upgrading the document to will appear in the dropdown.

After the document has been upgraded, you’ll see it begin processing on the Book overview page.