ANSI ASC X9 X9.100-120-2004 Specifications for Bank Deposit Tickets.pdf

1、 American National Standard for Financial Services X9.100-1202004 Specifications for Bank Deposit Tickets Secretariat Accredited Standards Committee X9, Inc. Approved: January 16, 2004American National Standards Institute American National Standard Approval of an American National Standard requires

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4、heir existence does not in any respect preclude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing, or using products, processes, or procedures not conforming to the standards. The American National Standards Institute does not develop standards and will i

5、n no circumstances give an interpretation of any American National Standard. Moreover, no person shall have the right or authority to issue an interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretations should be addressed to

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7、tandard no later than five years from the date of approval. Published by American National Standards Institute (ANSI) 11 West 42ndStreet New York, NY 10036 USA Customer Service (212) 642-4900, Fax (212) 302-1286, Email quoteansi.org www.ansi.org or http:/webstore.ansi.org Copyright 2004 by Accredite

8、d Standards Committee X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. Printed in the United States of America Contents Foreword ii 1.0 Introduction . 1 1.1 Scop

9、e 1 1.2 Purpose . 1 2.0 References - Other ANSI Standards 1 3.0 General Definitions . 2 4.0 Document Design Recommendations 4 4.1 Paper Requirements . 4 4.2 Size Requirements 5 4.3 Printing Ink Requirements. 5 4.4 Dollar Symbol 7 4.5 Dimensions and Location of Intellegent Character Recognition (ICR)

10、 Data. 9 4.6 Field Guides 10 4.7 MICR Line on Pre-printed Deposit Tickets 11 4.8 Backprinting on the Deposit Ticket 11 5.0 Personal Size and Business Size Deposit Tickets . 12 5.1 General 12 5.2 Standard Features. 12 5.2.1 Transaction ID Area 12 5.2.2 Item Entry Area. 13 5.2.3 Total deposit amount e

11、ntry rectangle . 13 5.2.4 Cash/currency count boxes 13 5.2.5 Immediate Withdrawl Disclaimer 13 5.3 Machine Printed and Machine Completed Deposit Tickets 13 5.3.1 Machine Printed Deposit Tickets 13 5.3.2 Machine Completed Deposit Tickets 13 Annex A Additional Paper, Ink, and Image Readiness Informati

12、on 19 Annex B Reflectance and PCS Guidelines and Measurement Techniques. 20 Annex C Document Validation 23 Figures Figure 1 - Deposit Ticket Dimensions. 5 Figure 2 - Example of Image Format Item Entry Area 6 Figure 3 - Preprinted Dollar Symbol Location. 8 Figure 4 - ICR Data Area Dimensions 9 Figure

13、 5 - Enlargement of Item Entry Rectangle Area 10 Figure 6 - Transaction ID Area, Item Entry Area and Total Deposit Amount Entry Rectangle of a Deposit Ticket . 10 Figure 7 - Example of Individual Character Field Guide. 11 Figure 8 - Example of Rectangle with Split Cents and Tic Mark Field Guides. 11

14、 Figure 9 - Example of Personal Size Deposit Ticket 14 Figure 10 - Example of Business Size Deposit Ticket with Parallel Item Entry Area (like a Personal Size Deposit Ticket). 15 Figure 11 - Example of Business Size Deposit Ticket with Perpendicular Item Entry Area with Two Dollar Symbols . 16 Figur

15、e 12 - Example of Business Size Deposit Ticket with Perpendicular Item Entry Area and One Dollar Symbol . 17 Figure 13 - Example of a Machine Printed Deposit Ticket without Field Guides 18 Figure 14 - Example of a Machine Completed Deposit Ticket with Field Guides. 18 iForeword (This foreword is not

16、 part of American National Standard X9.100-120 2004) This standard was developed at the request of financial institutions that use imaging in bank proof-of-deposit applications, especially when assisted with Convenience Amount Recognition (CAR). The standardized deposit ticket provides for the unifo

17、rm location and designation of handwritten as well as machine written data elements and amounts; therefore, it provides benefits for check printers, equipment vendors, and users of automated proof-of-deposit systems. The Accredited Standards Committee X9 Financial Services approved the work item on

18、standardizing bank deposit tickets in October 1994 and assigned this work effort to its sub-committee, X9B Check Related Transactions, who then formed the deposit ticket working group X9B8 for the purpose of developing this standard in January 1995. It was reviewed and updated in 1999. In 2003 this

19、standard was again opened and revised to improve the specifications for commercial deposit tickets. In 2003, the ASC X9B revised the protocol by which all standards for check related transactions were named. The ASC X9B membership felt the specifications for core requirements for MICR, paper, imagin

20、g and optical reading should be separated from the specifications written for the application of these core elements. As a result, this standards name was changed from its former reference of ANS X9.33 Specifications for Bank Deposit Tickets to its current title of ANS X9.100-120 Specifications for

21、Bank Deposit Tickets. Suggestions for improvement of this standard will be welcome. They should be sent to X9 Secretariat, Accredited Standards Committee X9, Inc., P.O. Box 4035, Annapolis, Maryland 21403. This standard was processed and approved for submittal to ANSI by the Accredited Standards Com

22、mittee on Financial Services, X9. Committee approval of this standard does not necessarily imply that all committee members voted for its approval. At the time it approved this standard, the ASC X9 Committee had the following members: The X9 Committee had the following members: Gene Kathol, X9 Chair

23、man Vincent DeSantis X9 Vice Chairman Cynthia L. Fuller, Executive Director Isabel C. Bailey, Managing Director Organization Represented Representative ACI Worldwide .Cindy Rink .Jim Shaffer American Bankers Association Stephen Schutze .Michael Scully .Don Rhodes American Express Company .Mike Jones

24、 .Barbara Wakefield .Dick Schreiber .Gerry Smith BancTec, Inc. .David Hunt Bank of America.Daniel Welch .Mack Hicks .Richard Phillips Bank One Corporation Jacqueline Pagan BB and T Harold G. Deal CaradasRick (Richard P.) Kastner .John Gould .Tom Johnston Carreker .Jerry Bowman .Harry Hankla ii.Don H

25、arman .Ron Schultz Certicom Corporation.Daniel Brown .Brenda Klein Citigroup, Inc. .Daniel Schutzer . Mark Scott . Skip Zehnder Compaq Computer Corporation.Larry Hines .Gary Lefkowitz Datum, IncSandra Lambert .John Bernardi . Jerry Willett Deluxe Corporation Maury Jansen Diebold, Inc. .Judy Edwards

26、. Bruce Chapa Discover Financial Services.Masood Mirza .Pamela Ellington eFunds Corporation .Cory Surges .Chuck Bram .Forrest Martin .Joseph Stein .Daniel Rick .Richard Fird Federal Reserve Bank .Dexter Holt .Gary Chaulklin .Jeannine M. DeLano .Laura Walker First Data CorporationGene Kathol Food Mar

27、keting Institute Stacy Fitzgerald-Redd .Ted Mason Griffin ConsultingPhil Griffin .Harriette Griffin J.P. Morgan Chase and CoRobert Blair . Richard Yen KPMG LLP .Jeff Stapleton .Al Van Ranst Mag-Tek, Inc. .Carlos Morales . Jeff Duncan . Mimi Hart . Terry Benson MasterCard International .Ron Karlin .N

28、aiyre Foster .Caroline Dionisio Mellon Bank, N.A. David Taddeo . Richard H. Adams Merrill Lynch.Jennifer Smith .Dave Yeger National Association of Convenience Stores.Robert Swanson .Teri Richman .John Hervey National Security Agency Gregory Bergren National Security Agency Sheila Brand NCR Corporati

29、onDavid Norris .Steve Stevens New York Clearing HouseVincent DeSantis .John Dunn Niteo Partners Michael Versace Silas Technologies.Andrew Garner .Ray Gatland iiiSPYRUS.Karen Randall .James Randall .Walt Boland Star Systems, Inc.Elizabeth Lynn .Michael Wade Unisys Corporation.Navnit Shah .David J. Co

30、ncannon VeriFone, IncJohn Sheets . Brad McGuinness . Brenda Watlington VISA International Patricia Greenhalgh Wells Fargo Bank.Terry Leahy .Ruven Schwartz The X9B Committee had the following members: Christopher Dowdell, X9B Chairman Curt Siroky, X9B Vice Chairman Daniel Welch, X9B Vice Chairman Org

31、anization .Representative ACOM Solutions.Carl Grant .Neela Patel Advanced Financial SolutionsMark Craig .Stephen Gibson-Saxty American Bankers Association Stephen Schutze .Dick Schreiber .Mike Jones BancTec, Inc. .David Hunt Bank of America.Thomas Marko .Daniel Welch Bank One Corporation .Jacqueline

32、 Pagan BB and T Harold G. Deal Boise Cascade Paper Jim Moore Carreker .Jerry Bowman .Harry Hankla .Don Harman .Ron Schultz Check Technology Corporation .Peter Wood .Terry Strong CheckTech.Jan Wood .Dan Wood Chicago Clearing House Association Dewayne Baker Citigroup, Inc. .Daniel Schutzer Clarke Amer

33、ican Checks, Inc.John W. McCleary . Clifton Conner ClearWave Electronics.Mark Ross .Tia Lazor ComericaBeverly A. Bercaw .Dennis Minor Create-A-Check, Inc. .John Hays . Jared Kesler Deluxe Corporation Maury Jansen .Juan Celorio Diebold, Inc. .Bruce Chapa .Laura Drozda Discover Financial Services.Maso

34、od Mirza iv.Pamela Ellington ECCHO Phyllis Meyerson Federal Reserve Bank .Jeannine M. DeLano First Data CorporationGene Kathol Food Marketing Institute Stacy Fitzgerald-Redd .Ted Mason Griffin ConsultingPhil Griffin .Harriette Griffin J.P. Morgan Chase and CoJoe Nelson . Ron Warner . Robert Blair .

35、Richard Yen John H Harland CompanyCurt Siroky Liberty Enterprises, Inc. .Richard Pliml Mag-Tek, Inc. .Carlos Morales .Jeff Duncan Mellon Bank, N.A. David Schaper .Dave Leach Merrill Lynch Harry Mahlstedt Moore Business Forms Inc Larry McCartney National Security Agency Gregory Bergren .Sheila Brand

36、NACHA The Electronic Payments AssociationNancy Grant National Organization of Clearing Houses.Ian Macoy NCR CorporationDavid Norris .Steve Stevens .Wayne Doran .Hui Wu New England Business Service.Barry Green New York Clearing HouseHenry Farrar .Susan Long .John Dunn Nu-Kote International .Tice McCa

37、rthy Oce Printing Systems.Tony Ribeiro .Leon Dietz Paychex IncCarl Tinch RDM Corporation .Peter Hanna Relizon .Ellen Carter .Mel Stephenson Relyco Sales Inc Christopher Dowdell .Michael Steinberg Reynolds and Reynolds Co. Mark Hoenie . Steve Kuhn Rosetta Technologies Jim Maher .Paul Malinowski Silas

38、 Technologies.Andrew Garner .Ray Gatland SICPA Industries of America .Thomas Jay Source Technologies Inc .Mike Bailey .Wally Burlingham Standard Register CompanyMelissa Barnes .Russell Hill Star Systems, Inc.Michael Wade Sun Trust Service Corporation.Daniel Stephens Troy Systems International, Inc.

39、Greg Kussmann . Mark Whitson Unisys Corporation.Leonard Wasielewski .Navnit Shah v.David J. Concannon Wachovia Operational Services Corporation.Keith Ross Xerox CorporationFrank Bov .Luch Corso .Robin Ringo Zions Bancorporation.Pamela Wallis The ANS X9.100-120 Editorial Working Group that developed

40、this current standard had the following members: John W. McCleary, Co-Chairman, Clarke American Checks, Inc. Barry P. Green, Co-Chairman, New England Business Services (NEBS) Frank Bov, Secretary, Xerox Corporation Organization .Representative Bank One Corporation .Jackie Pagan Carreker. Don Harman

41、Check Technology. Terry Strong Clarke American Checks, Inc.Clifton Conner Deluxe Corporation Maury Jansen John H. Harland Company Curt Siroky PayCheck.Carl Tinch Relyco Sales, Inc .Christopher Dowdell Silas Technologies, Inc. .Andrew Garner Standard Register Melissa Barnes viANS X9.100-120 2004 ASC

42、X9, Inc. Specifications for Bank Deposit Tickets 1.0 Introduction 1.1 Scope This standard specifies certain deposit ticket parameters to provide for the processing of personal size and business size deposit tickets through conventional bank deposit and imaging processes. While this standard does not

43、 establish a specific design, orientation and layout for bank deposit tickets, it does provide specifications for a range within which key design elements shall be placed. Other bank specific information is excluded from this specification. This standard will improve the understanding of deposit tic

44、kets by providing background information that may be valuable in designing deposit tickets. It is hoped that the use of this standard will result in greater uniformity in several aspects of deposit ticket design that will improve the processing and handling of deposit tickets throughout the entire c

45、heck processing system. 1.2 Purpose This standard delivers deposit ticket specifications and design examples. The specifications support and comply with current technologies utilized for automated processing in the US Payments System. The primary users of this standard are expected to be financial i

46、nstitutions, designers, and printers of bank documents. Other interested parties will include developers of processing hardware equipment and software. 2.0 Reference American National Standards and Technical Guidelines This standard is intended for use in conjunction with the following American Nati

47、onal Standards and ASC X9 Technical Guidelines. When these standards or technical guidelines are superseded by a revision, the revision shall apply. ANS X3.49 - 1995, Character Set for Optical Character Recognition (OCR-B) ANS X9.7 - 1999, Bank Check Background and Convenience Amount Field Specifica

48、tion ANS X9.13 - 1999, Placement and Location of Magnetic Ink Printing (MICR) ANS X9.18 -1998, Paper Specifications for Checks ANS X9.27 - 2000, Print and Test Specifications for Magnetic Ink Printing (MICR) ANS X9.53 - 1996, Specifications for Check Endorsements ASC X9/TG2 - 2002, Technical Guideli

49、ne: Understanding and Designing Checks ASC X9/TG6 - 2000, Technical Guideline: Quality Control of MICR Documents Regulation CC of the Federal Reserve Bank as codified at 12 C.F.R. 229, 2003 1ANS X9.100-120 2004 ASC X9, Inc. 3.0 General Definitions 3.1 aligning edge (ANS X9.13): The bottom edge of the document when its face is viewed. 3.2 background (ANS X9.7): The basic colors and patterns that appear on a document, apart from lines and information printed on i