ANSI ASC X9 X9.100-20-2006 Print and Test Specifications for Magnetic Ink Printing (MICR) Part 1 Print Specifications Part 2 Conformance Testing Part 3 Secondary Reference Document.pdf

1、 ANS X9.100-20 - 2006 ASC X9, Inc. 2006 All rights reserved American National Standard for Financial Services ANS X9.100-202006 Formerly published as X9.27 Print and Test Specifications for Magnetic Ink Printing (MICR) Part 1: Print Specifications Part 2: Conformance Testing Part 3: Secondary Refere

2、nce Documents Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: July 13, 2006 American National Standards Institute ANS X9.100-20-2006 ii This page intentionally left blank ANS X9.100-20-2006 ASC X9, Inc. 2006 All rights reserved iiiTable of Contents Page No

3、. American National Standard for Financial Services - Print and Test Specifications for Magnetic Ink Printing (MICR) 1 Part 1: Print Specifications . 1 1. Scope . 1 2. Purpose 1 3. References. 1 4. Terms and definitions. 2 5 General Information 4 5.1 Placement of MICR characters 4 5.2 Document backg

4、round. 4 5.3 Paper for checks . 4 6 Character configuration . 4 6.1 Designation 4 6.2 Dimensions 5 7 Character spacing and alignment . 5 7.1 Spacing 5 7.1.1 Fixed and variable format fields 5 7.2 Alignment. 5 8 Character skew . 6 9 Character tolerances 6 9.1 Dimensions 6 9.2 Average edge definition

5、. 6 9.3 Average edge tolerance . 6 9.4 Edge irregularity tolerance. . 6 9.5 Minimum width of horizontal bars 14 10 Voids 14 10.1 Maximum allowable single voids 14 10.2 Maximum allowable combined voids14 11 Uniformity of ink distribution. 14 12 Extraneous ink 16 12.1 Magnetic. 16 12.2 Nonmagnetic . 1

6、8 12.3 Extraneous ink front . 18 12.3.1 Magnetic ink 18 12.3.2 Nonmagnetic ink . 18 12.4 Extraneous magnetic ink back 18 13 Debossment. 18 14 Embossment 19 15 Signal level 19 15.1 Definition of signal level. 19 ANS X9.100-20-2006 iv ASC X9, Inc. 2006 All rights reserved15.2 Nominal signal level . 19

7、 15.3 Relative signal level 20 15.3.1 Relative signal level tolerance. 20 15.4 Residual signal level. 20 16 Format 20 16.1 Reference edges . 20 16.1.1 Horizontal dimensions . 20 16.1.2 Vertical dimensions 20 16.2 Clear band (MICR). 20 16.3 Optical clear band. 29 16.4 Location of the MICR encoding st

8、rip and printing within the clear band. 29 17 Optical clear band background . 29 17.1 General. 29 17.2 Background reflectance. 29 17.3 Print contrast signal (PCS)-magnetic ink printed character . 29 17.4 Print contrast signal (PCS)-within the background . 29 18 Permanence of MICR printing . 29 18.1

9、Permanence specification . 29 American National Standard for Financial Services Print and Test Specifications for Magnetic Ink Printing (MICR) 31 Part 2: Conformance Testing (Informative). 31 1. Scope . 31 2. Purpose 31 3 References. 31 4 Terms and definitions. 31 5 Acceptance sampling (informative)

10、 31 6 Dimensional/visual measurements. 32 6.1 Character spacing. 32 6.1.1 Spacing between character edges 32 6.1.2 Spacing tolerances. 32 6.1.3 Minimum spacing 32 6.1.4 Use of blank spaces . 32 6.2 Character alignment . 32 6.2.1 Alignment 33 6.2.2 Alignment tolerances . 33 6.3 Character skew . 33 6.

11、3.1 Maximum skew 33 6.4 Character dimensions 33 6.4.1 Dimensions 33 6.5 Edge irregularity tolerances 33 6.5.1 General. 33 6.5.2 Stroke edge tolerance 33 6.5.3 Peak and valley deviations 34 6.5.4 Occasional voids 34 6.5.5 Large edge voids 34 6.5.6 Occasional edge excursions . 34 6.6 Measurement of vo

12、ids 34 6.6.1 Definition of a void 34 ANS X9.100-20-2006 ASC X9, Inc. 2006 All rights reserved v6.6.2 A single void within an 0.008“ square 34 6.6.3 A single void within a 0.010“ square. 34 6.6.4 Needle voids 34 6.6.5 Maximum combined area of all voids in a row or column 35 6.7 Uniformity of ink . 35

13、 6.7.1 Visual/optical measurement 35 6.7.2 Magnetic measurement 35 6.7.3 Additional considerations 35 6.8 Extraneous ink (front and back) 35 6.8.1 Magnetic measurement of extraneous ink. 36 6.8.2 Extraneous ink, magnetic 36 6.8.3 Extraneous ink, non-magnetic. 36 6.8.4 Additional considerations 36 6.

14、9 Debossment and embossment 37 6.9.1 Debossment. 37 6.9.2 Embossment 37 6.9.3 Debossment and embossment measurement techniques. 37 7 Signal level measurements 37 7.1 General. 37 7.2 Signal level calibration. 38 7.3 Relative signal level calculation 38 7.4 Residual signal level. 38 8 Reflectance and

15、PCS 39 8.1 General. 39 8.2 Reflectance and PCS evaluation . 39 8.3 Cautions. 39 8.4 Measurement method. 39 9 Permanence control and testing . 39 9.1 Testing methods . 39 9.2 Permanence evaluation areas . 40 American National Standard for Financial Services Print and Test Specifications for Magnetic

16、Ink Printing (MICR) 41 Part 3: Secondary Reference Documents . 41 1 Scope . 41 2 Purpose 41 3 References. 41 4 Terms and definitions. 41 5 Secondary reference documents 42 5.1 Definition of secondary reference documents 42 5.2 Purpose 42 5.3 Requirements 42 5.4 Signal level reference monitoring . 43

17、 6 Waveform uniformity of secondary reference documents. 43 7 Test equipment specification for measuring signal level from secondary reference documents. 45 7.1 Document direction 45 7.2 Document speed . 45 ANS X9.100-20-2006 vi ASC X9, Inc. 2006 All rights reserved7.3 DC magnetizing write head 45 7

18、.4 Magnetic read head 45 7.4.1 Signal to noise 47 7.4.2 Signal polarity . 47 7.4.3 Read head profile 47 7.4.4 Resonant frequency . 47 7.4.5 Microphonics. 47 7.4.6 WCC sinewave frequency 47 7.4.7 Magnetic read head calibration factor 47 7.5 Document presentment to magnetic read head 48 7.6 Amplifier

19、requirements. 48 7.6.1 Gain 48 7.6.2 Linearity . 48 7.6.3 Output level shift. 48 7.6.4 Amplifier transfer function. 48 7.6.5 Input and output impedance 49 7.6.6 Calibration . 49 8 Conformance testing of test equipment for measuring signal level . 49 8.1 Transport speed 49 8.2 Document direction 49 8

20、.3 Write head magnetic polarity. 49 8.4 Amplifier evaluation 49 8.5 Magnetic read head evaluation . 49 8.5.1 Resonant frequency . 50 8.5.2 Magnetic read head gap. 50 8.5.3 Perpendicularity of magnetic read head gap. 50 8.5.4 Read head microphonic susceptibility. 50 8.6 Evaluation of the entire read

21、system 51 8.6.1 System linearity response with step function input . 51 8.7 Write head tests 51 8.8 Repeatability 51 9 Wire card calibration 51 9.1 Wire card construction notes 52 9.2 Wire card calibration (WCC) procedure 52 9.2.1 Initial calibration of a test instrument. 52 9.2.2 Recalibration of t

22、est instrument using the wire card 54 9.2.3 Calibration of secondary reference documents 54 10 Accuracy of measuring signal level 54 11 Repeatability of measuring signal level . 54 Annex A (informative) Debossment 57 Annex B (informative) Reference Waveforms 58 General. 58 B.1 Mathematical Model 58

23、B.2 Magnetic peak displacement . 61 Annex C (Informative) MICR Document Sampling References. 69 ANS X9.100-20-2006 ASC X9, Inc. 2006 All rights reserved viiC.1 Introduction . 69 C.2 Text References for quality control and inspection 69 C.3 References for Acceptance Sampling Plans 69 Annex D (Informa

24、tive) Sources for equipment for measuring debossment and embossment. 71 D.1 The light section microscope 71 D.2 Stylus profilometer . 71 Annex E (Informative) Waveform Non-Uniformity 72 E.1 Assessment of waveform non-uniformity 72 E.2 Example calculations . 72 Annex F (Informative) 74 F.1 Amplifier

25、circuit. 74 F.2 Amplifier frequency plot. 75 F.3 Magnetic read head frequency response. 75 F.4 System frequency response plot 75 Annex G (Informative) . 80 Amplifier characteristics. 80 G.1 Amplifier module. 80 G.2 Amplifier parameters at other transport speeds . 81 Annex H (Informative) Commercial

26、signal level testers 82 Annex I (Informative) CPSA secondary reference document certification procedures . 83 I.1 Scope and purpose. 83 I.2 Certification process 83 Annex J (Informative) Supplementary references for magnetic analysis 85 J.1 Extended signal level calibration documents 85 J.2 Waveform

27、 reference documents . 85 J.3 Ancillary document calibration . 85 Annex K (Informative) Sources for secondary reference documents 86 Annex L (Normative) Conversion Table - Inches to Millimeters . 87 Annex M (Informative) New Project Proposal 88 ANS X9.100-20-2006 viii ASC X9, Inc. 2006 All rights re

28、servedList of Figures in Part 1 Figure 1- One Figure 2- Two 7 Figure 3- Three Figure 4- Four .7 Figure 5- Five Figure 6- Six 8 Figure 7- Seven Figure 8- Eight.8 Figure 9- Nine Figure 10- Zero9 Figure 11- Transit Symbol Figure 12- Amount Symbol9 Figure 13- On-Us symbol Figure 14- Dash symbol.10 Figur

29、e 15- Character design matrix .10 Figure 16- Distance between characters in inches 11 Figure 17- Distance between characters with one blank space in inches.11 Figure 18- An example of amount field and transit code encoded at the same time. 11 Figure 19- An example of an On-Us field printed with two

30、different print technologies11 Figure 20- One blank space in an unused EPC field is required between the Auxiliary On-Us field and Routing field if the tolerance for adjacent characters can not be guaranteed.12 Figure 21- Where an EPC digit is used, it is desirable to use one blank space on either s

31、ide of the digit12 Figure 22- When no safety tolerance is used .12 Figure 23- Allowable variation in vertical alignment of adjacent characters in inches13 Figure 24- Allowable character skew.13 Figure 25- Average edge Figure 26- Average edge tolerance.13 Figure 27- Average Edge.15 Figure 28- Single

32、voids16 Figure 29- Example of rows and columns for character 8 .16 Figure 30- MICR clear band their 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

33、 the standards. The American National Standards Institute does not develop standards and will in 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

34、 the American National Standards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name appears on the title page of this standard. CAUTION NOTICE: This American National Standard may be revised or withdrawn at any time. The procedures of the American Nat

35、ional Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the date of approval. Published by Accredited Standards Committee X9, Inc. Financial Industry Standards 1212 West Street, Suite 200 Annapolis, Maryland 21401 USA X9 Onl

36、ine http:/www.x9.org Copyright 2006 ASC 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. Published in the United States of America. ANS X9.100-20-2006 ASC X9, In

37、c. 2006 All rights reserved xiIntroduction Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, 1212 West Street, Suite 200, Annapolis, MD 21401 USA. This

38、Standard was processed and approved for submittal to ANSI by the Accredited Standards Committee on Financial Services, X9. Committee approval of the Standard does not necessarily imply that all the committee members voted for its approval. The X9 committee had the following members Gene Kathol, X9 C

39、hairman Vincent DeSantis, X9 Vice-Chairman Cynthia Fuller, Executive Director Isabel Bailey, Managing Director Organization Represented Representative ACI Worldwide Jim Shaffer American Bankers Association C. Diane Poole American Express Company Mike Jones American Financial Services Association Mar

40、k Zalewski Bank of America Daniel Welch Capital One Scott Sykes Certicom Corporation Daniel Brown Citigroup, Inc. Daniel Schutzer Deluxe Corporation John Fitzpatrick Diebold, Inc. Bruce Chapa Discover Financial Services Jennifer Schroeder Federal Reserve Bank Dexter Holt First Data Corporation Gene

41、Kathol Fiserv Bud Beattie Hewlett Packard Larry Hines Hypercom Scott Spiker IBM Corporation Todd Arnold Ingenico John Sheets Intuit, Inc. Jana Hocker J.P. Morgan Chase therefore, the stroke width is measured as the average distance between the average edges of a stroke. 4.28 symbol (ANS X9.100-160-1

42、/X9.13): Any of the four special characters in the E-13B font used to identify fields of information, or to create a separation between groups of digits. 4.29 trailing edge (ANS X9.100-160-1/X9.13): The left edge of a document when its face is viewed. 4.30 variable format field (ANS X9.100-160-1/X9.

43、13): A term applied to the On-Us and auxiliary On-Us fields in which the data content and structure will vary. 4.31 void(s) (ANS X9.100-20/X9.27): The absence of ink within the specified outline of the printed MICR character. 4.32 waveform (ANS X9.100-20/X9.27): A voltage representation of signals w

44、ith respect to time that corresponds to a particular MICR character. ANS X9.100-20-2006 ASC X9, Inc. 2006 All rights reserved4 5 General Information 5.1 Placement of MICR characters For the location and placement of MICR characters on checks and other related bank documents, see ANS X9.100-160-1 (AN

45、S X9.13). 5.2 Document background For specifications governing the background of the 0.300 inch (7.620 mm) optical clear band, see Clause 16.3 and 17. See ANS X9.7 (ANS X9.100-110 & ANS X9.100-30) for the measurement method. 5.3 Paper for checks For detailed specifications regarding the paper requir

46、ed for use with MICR printing, see ANS X9.18 (ANS X9.100-10). 6 Character configuration 6.1 Designation The series of standard magnetic ink characters shall consist of ten numerals and four special symbols. They shall be identified as follows: Name One (1) 1 Two (2) 2 Three (3) 3 Four (4) 4 Five (5)

47、 5 Six (6) 6 Seven (7) 7 Eight (8) 8 Nine (9) 9 Zero (0) 0 Transit symbol A ANS X9.100-20-2006 ASC X9, Inc. 2006 All rights reserved 5Amount symbol B On-Us symbol C Dash symbol D 6.2 Dimensions Detailed dimensions and the reference center-lines of the printed characters for the ten numerals and four

48、 special symbols shall be as shown in Figure 1 through 14. Figure 15 illustrates the character design matrix. All radii are 0.0065 inch (0.165 mm) except in the character zero. All radii shall be blended with adjacent edges. Tolerance of each average edge = 0.0015 inch (0.038 mm). The minimum horizo

49、ntal bars width is 0.011 inch (0.279 mm). This minimum dimension does not apply to vertical bars: (See Clause 9.5). All dimensions on Figure 1 through Figure 14 are in inches. 7 Character spacing and alignment 7.1 Spacing 7.1.1 Fixed and variable format fields 7.1.1.1 The distance between the right average edges of adjacent characters shall be 0.125 inch 0.010 inch (3.175 mm 0.254 mm). See Figure 16. Average edge is discussed in Clause 9.2. 7.1.1.2 The accumulation of spacing toler