ANSI ASC X9 X9 100-140-2008 Specifications for an Image Replacement Document IRD.pdf
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1、ANS X9.100-140- 2004 October 1, 2004 ASC X9, Inc. 2004- all rights reserved American National Standard For Financial Services X9.100-140-2004 (Formerly published as DSTU X9.90-2003) Specifications for an Image Replacement Document IRD Secretariat Accredited Standards Committee X9, Inc. Approved: Ame
2、rican National Standards Institute ANS X9.100-140- 2004 ii ASC X9, Inc. 2004- all rights reserved Foreword Approval of an American National Standard requires verification by ANSI that the requirements for due process, consensus, and other criteria for approval have been met by the standards develope
3、r. Consensus is established when, in the judgment of the ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement means much more than a simple majority, but not necessarily unanimity. Consensus requires that all view
4、s and objections be considered, and that a concerted effort be made toward their resolution. The use of American National Standards is completely voluntary; their existence does not in any respect preclude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing
5、, or using products, processes, or procedures not conforming to 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
6、 interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretations 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 revi
7、sed or withdrawn at any time. The procedures of the American National 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. PO Box 4035 Annapolis, Maryla
8、nd 21403 USA X9 Online http:/www.x9.org Copyright 2004 by Accredited 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 S
9、tates of America. ANS X9.100-140- 2004 ASC X9, Inc. 2004- all rights reserved iii Contents Listing of Figuresv Introductionvi 1 Scope 1 2 Conformance/Purpose 1 3 Normative References.1 4 Terms and Definitions.2 5 General .4 5.1 Types.4 5.1.1 Forward IRDs .4 5.1.2 Return IRDs 5 6 Information Elements
10、5 6.1 Front Regions 5 6.1.1 Required Item Front Image Region: Region 1F 5 6.1.2 Required Original Check Truncation Institution Region: Region 2F .6 6.1.3 Required Creation Institution Region: Region 3F 7 6.1.4 Required Legend Region: Region 4F 8 6.1.5 Required MICR Region: Region 5F8 6.1.6 Optional
11、Qualified MICR Region: Region 6F.10 6.1.7 Conditional Return Reason Region: Region 7F .11 6.1.8 Optional Data Region: Region 8F 12 6.2 Back Regions.12 6.2.1 Required Item Back Image Region: Region 1B 13 6.2.2 Back of MICR Region: Region 2B (Protected) 21 6.2.3 Back of Optional Qualified MICR Region:
12、 Region 3B (Protected)21 6.3 Dimensional References and Tolerances .21 6.3.1 Tolerance on Dimensions to IRD Edges .21 6.3.2 Tolerance on Dimensions to Other Data Elements22 7 Design Elements22 7.1 IRD Size22 7.1.1 Forward IRD Size .22 7.1.2 Qualified Return IRD Size .22 7.2 Paper.22 7.3 Perforations
13、22 7.4 MICR Encoding 23 7.5 IRD Design Graphics.23 7.6 IRD Endorsement Back.23 8 Master Dimensional Layouts23 Annex A (Normative) Return Reason Codes, Their Meaning and Region 7F Text 28 Annex B (Normative) Check or IRD Conversions .29 B.1 Check or IRD Conversions Matrix Summary 29 B.2 Valid Convers
14、ions.29 B.3 Invalid Conversions30 Annex C (Normative) Conversion Table Inches to Millimeters31 ANS X9.100-140- 2004 iv ASC X9, Inc. 2004- all rights reserved Annex D (Informative) Usage Considerations.32 D.1 Usage Types32 D.1.1 Forward Original IRD.32 D.1.2 Forward Subsequent IRD32 D.1.3 Original IR
15、D Used for Return33 D.1.4 Subsequent IRD Used for Return.33 D.2 Acceptable Business Usage33 Annex E (Informative) Sample IRDs .35 Annex F (Informative) Paper Check or IRD Conversions and Image Quality Degradation Factors .45 F.1 Example Paper Check and IRD, and Potential Image Degradation Areas.45 F
16、.2 Possible Degradation Factors .46 Annex G (Informative) NWI NEW PROJECT PROPOSAL FORM 47 ANS X9.100-140- 2004 ASC X9, Inc. 2004- all rights reserved v Listing of Figures Figure 1 Image Replacement Document Master Layout, Front 24 Figure 2 Image Replacement Document Used for Return Master Layout, F
17、ront 25 Figure 3 Image Replacement Document Master Layout, Back. 26 Figure 4 Image Replacement Document Used for Return Master Layout, Back 27 Figure 5 Forward Original IRD of Personal-Sized Check, Front 36 Figure 6 Forward Original IRD of Personal-Sized Check, Back. 37 Figure 7 Forward Subsequent I
18、RD of Personal-Sized Check, Front . 38 Figure 8 Forward Subsequent IRD of Personal-Sized Check, Back 39 Figure 9 Forward Original IRD Used for Return of Personal-Sized Check, Front (Qualified Return Strip is not Used) 40 Figure 10 Original IRD Used for Qualified Return of a Business-Sized Check, Fro
19、nt . 41 Figure 11 Original IRD Used for Qualified Return of a Business-Sized Check, Back 42 Figure 12 Forward Subsequent IRD of a Business-Sized Check, Front After Re-presentment these factors can be an impediment to check truncation at the point of presentment. The Payments System Development Commi
20、ttee (PSDC), which was formed in 1999 and was chaired by Roger Ferguson (Vice Chairman of the Federal Reserve Board) and Cathy Minehan (President of the Federal Reserve Bank of Boston), has been working with the banking industry, in part, to facilitate electronic check exchange. Under the auspices o
21、f the PSDC, the Federal Reserve Board forwarded proposed legislation to Congress called the Check Truncation Act (CTA). The proposed act was signed into law on October 28, 2003 and is cited as the ”Check Clearing for the 21 stCentury Act” or the ”Check 21 Act” (Act). This Act facilitates truncation
22、of checks earlier in the forward collection and return process than typically occurs today. The Check 21 Act allows a depository institution to substitute and deliver machine readable copies of checks to depository institutions that do not agree to accept checks electronically. The development of th
23、is standard is a necessary step in the successful implementation of the Check 21 Act. The substitute check defined in the Act must conform in paper stock, dimension, and otherwise, to generally applicable industry standards. Current ANS standards related to check creation and printing are followed a
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