1、 ASC X9, Inc. 2006 All rights reserved American National Standard for Financial Services ANS X9.100-102006 (Previously known as ANS X9.18) Paper Specifications for MICR Documents Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: January 11, 2006 American Nat
2、ional Standards Institute American National Standards, Technical Reports and Guides developed through the Accredited Standards Committee X9, Inc., are copyrighted. Copying these documents for personal or commercial use outside X9 membership agreements is prohibited without express written permission
3、 of the Accredited Standards Committee X9, Inc. For additional information please contact ASC X9, Inc., P.O. Box 4035, Annapolis, Maryland 21403. ANS X9.100-10 - 2006 ii ASC X9, Inc. 2006 All rights reservedContents Page Foreword.iv Introduction .v 1 Scope and Purpose .1 1.1 Scope 1 1.2 Purpose.1 2
4、References2 3 Terms and definitions .3 4 Symbols and abbreviated terms 4 5 Paper .4 5.1 Basis weight.4 5.2 Grain direction .5 5.2.1 Short grain direction .5 5.2.2 Long grain direction 5 5.3 Porosity.6 5.3.1 Porosity by air resistance .6 5.3.2 Porosity by air permeance6 5.4 Stiffness6 5.4.1 Stiffness
5、, Machine Direction (Stiffness, MD) 6 5.4.2 Stiffness, Cross Direction (Stiffness CD)6 5.5 Tear .7 5.5.1 Tear, Machine Direction (Tear CD).7 5.5.2 Tear, Cross Direction (Tear CD) .7 5.6 Burst7 5.7 Smoothness .7 5.8 Caliper.8 5.9 Opacity8 5.10 Reflectance.8 5.11 Apparent density8 5.12 Surface strengt
6、h of paper .8 6 Paper Testing Methods .8 6.1 TAPPI Test Methods 9 7 Coated Papers9 7.1 Special surface coatings.9 8 Perforations and punch holes9 9 Laminated Stock 9 10 Recycled Paper 9 Annex A (informative) Considerations for Multiple Part Sets 13 A.1 General. 13 A.2 Multiple Part Sets 13 A.2.1 Car
7、bonless papers 13 A.2.2 Carbonized form sets . 13 A.2.3 Carbon interleaved forms 13 ANS X9.100-10 - 2006 ASC X9, Inc. 2006 All rights reserved iiiAnnex B (informative) Fraud Reduction and Other Check Design Considerations.14 B.1 Fraud Reduction14 B.2 Other Check Design Considerations.14 Annex C (inf
8、ormative) Magnetic Particle Contamination15 C.1 Magnetic Particle Contamination Detection .15 C.2 Magnetic Particle Contamination Prevention.15 Annex D (informative) New Project Proposal Form 5 Year Review for Revision 16 Figures Figure 1 Short Grain Document .10 Figure 2 Long Grain Document 10 Tabl
9、es Table 1 Paper Attribute Specifications and Test Methods 11 Table 2 Notations from Table 1 12 ANS X9.100-10 - 2006 iv ASC X9, Inc. 2006 All rights reservedForeword Approval of an American National Standard requires verification by ANSI that the requirements for due process, consensus, and other cr
10、iteria for approval have been met by the standards developer. 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
11、not necessarily unanimity. Consensus requires that all views 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
12、 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 in no circumstances give an interpretation of any American National Standard. Moreov
13、er, 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 interpretation should be addressed to the secretariat or sponsor whose name appears on the title page of this standard. C
14、AUTION NOTICE: This American National Standard may be revised 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
15、Standards Committee X9, Incorporated Financial Industry Standards P.O. Box 4035 Annapolis, MD 21403 USA X9 Online 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
16、 written permission of the publisher. Published in the United States of America. ANS X9.100-10 - 2006 ASC X9, Inc. 2006 All rights reserved vIntroduction This publication describes the physical characteristics and the specifications established for documents to be processed in any equipment used by
17、the banking industry or other financial institutions in the paper document transfer payment system. This standard is the result of an extensive cooperative effort by representatives from financial institutions, paper check manufacturers, printer hardware and software manufacturers, ink and toner man
18、ufacturers and paper manufacturers. For a number of years the ANS X3.3-1970 Bank Check Specifications for Magnetic Ink Character Recognition and American Bankers Association publication 147R3 Common Machine Language for Mechanized Check Handling stated that grain long and short 24 lb. documents were
19、 suitable for checks. That definition was not adequate for documents processed in high-speed document transports. The specifications listed in this publication will make it possible for the industry to better utilize the higher speed and more sophisticated technologies presently in use, and those th
20、at will be forthcoming. Included among the documents that may be expected to change as a result of this standard will be internal use documents such as cash tickets, general ledger documents, batch tickets, other non-negotiable instruments, etc. In 2003, the ASC X9B revised the protocol by which all
21、 standards for check related transactions were named. The ASC X9B membership felt the specifications for core requirements for MICR, paper, imaging and optical reading should be separated from the specifications written for the application of these core elements. As a result, this standards name was
22、 changed from its former reference of ANS X9.18 Paper Specifications for Checks to its current title of ANS X9.100-10 Paper Specifications for MICR Documents. Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Sta
23、ndards Committee X9, Inc., Financial Industry Standards, P.O. Box 4035, Annapolis, MD 21403 USA. This 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
24、committee members voted for its approval. The X9 committee had the following members: Gene Kathol, X9 Chairman Vincent DeSantis, X9 Vice-Chairman Cynthia Fuller, Executive Director Isabel Bailey, Managing Director Organization Represented Representative ACI Worldwide Jim Shaffer American Bankers Ass
25、ociation C. Diane Poole American Express Company Mike Jones American Financial Services Association Mark 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 Disco
26、ver Financial Services Jennifer Schroeder eFunds Corporation Nora Eull Federal Reserve Bank Dexter Holt First Data Corporation Gene Kathol Fiserv Bud Beattie ANS X9.100-10 - 2006 vi ASC X9, Inc. 2006 All rights reservedHewlett Packard Larry Hines Hypercom Scott Spiker IBM Corporation Todd Arnold Ige
27、nico John SheetJ. P. Morgan Chase that is, at right angles to the grain direction. ANS X9.100-10 - 2005 ASC X9, Inc. 2006 All rights reserved 7This measurement shall conform to TAPPI T489 when using the Taber V-5 method. When measured by a Taber device, stiffness, cross direction shall have a minimu
28、m of 1.1 grams-force centimeters (gf.cm) for short grain paper and shall have a minimum of 0.8 grams-force centimeters (gf.cm) for long grain paper. This measurement shall conform to TAPPI 543 when using the Gurley method. When measured by a Gurley device, stiffness, cross direction shall have a min
29、imum of 88.0 grams-force centimeters (gf.cm) or a minimum of 0.11 millinewton-meters (mN.m) for short grain paper and shall have a minimum of 64.0 grams-force centimeters (gr.cm) or a minimum of 0.08 millinewton-meters (mN.m) for long grain paper. 5.5 Tear Tear resistance is defined as the average f
30、orce in grams required to completely tear through a sample as described in the TAPPI T414 test methodology, after the tear has been started. Tear is a basic measure of the physical strength of paper and relates to its ability to withstand the starting, stopping and high-speed transfer in a reader/so
31、rter transport system. 5.5.1 Tear, Machine Direction (Tear MD) Tear in the machine direction is the measure of the force required to tear a sample as described in the TAPPI T414 test methodology, after the tear has been started in the grain direction. The machine direction establishes the grain dire
32、ction, which is always parallel with the travel of the paper over the paper machines wire web. This measurement shall conform to TAPPI T414 when using the Elmendorf method. When measured by an Elmendorf device, tear, machine direction shall have a minimum of 55.0 grams-force (gf) units or a minimum
33、of 539.0 millinewtons (mn) for short grain paper and shall have a minimum of 45.0 grams-force (gf) units or a minimum of 441.0 millinewtons (mN) for long grain paper. 5.5.2 Tear, Cross Direction (Tear CD) Tear in the cross direction is the measure of the force required to tear a sample as described
34、in the TAPPI T414 test methodology, after a tear has been started at right angles to the direction of the grain. This measurement shall conform to TAPPI T414 when using the Elmendorf method. When measured by an Elmendorf device, tear, cross direction shall have a minimum of 62.0 grams-force (gf) uni
35、ts or a minimum of 608.0 millinewtons (mN) for short grain paper and shall have a minimum of 53.0 grams-force (gf) units or a minimum of 520.0 millinewtons (mN) for long grain paper. 5.6 Burst Burst represents a measure of paper strength and the papers ability to resist puncturing. Burst testing sha
36、ll conform to TAPPI T403 using the Mullen method. Burst strength shall be a minimum of 24.0 pounds-force/square inch (psi) or 165.0 kilopascals (kPa) for short grain documents and shall be a minimum of 20.0 pounds-force/square inch (psi) or 138.0 kilopascals (kPa) for long grain documents. 5.7 Smoot
37、hness Smoothness testing measures the degree of roughness of the surface of the document. This attribute measures the average amount of deviation from an ideal plane across the surface of a sheet of paper. A low value means there are fewer deviations from the plane and corresponds to a smoother shee
38、t. Smoothness is associated with post encoding in the MICR clear band. It also affects handling in the sorting system. The determination of smoothness on intaglio, non-impact and impact printed items will not be accurate if measurements are taken in printed areas. ANS X9.100-10 - 2006 8 ASC X9, Inc.
39、 2006 All rights reservedThe Sheffield smoothness of paper is defined as the measurement of the airflow between the paper (backed by flat glass) and two concentric annular lands impressed by dead weight into the sample. The rate of airflow leaked across the surface is related to the smoothness of th
40、e paper. The testing method for smoothness shall conform to TAPPI T538. 5.8 Caliper Caliper is the thickness of a particular sample of paper. Different grades of paper have varying thicknesses. Because caliper is usually a variable factor that is a result of a combination of other paper attribute re
41、quirements, no minimum or maximum measurements shall be set for specific MICR document papers. To determine caliper, TAPPI T411 methods shall be used. 5.9 Opacity Paper used for MICR documents shall have a minimum opacity of 85 to ensure that printing on the back of the document does not show throug
42、h and interfere with the readability of information on the document front. The testing method of opacity shall conform to TAPPI T425. 5.10 Reflectance An attribute of paper (colored or white) is the relative reflectance of an illuminated paper surface as seen by the human eye. The eye modifies the a
43、pparent brightness at different wavelengths according to its response to the human-visible spectrum. Equipment that measures reflectance requires a filter that matches its response to that of the human eye. See ANS X9.7 Annex A. The minimum reflectance of MICR document paper shall be 60%. 5.11 Appar
44、ent Density Apparent density is a measure of compactness. Compactness of a MICR document affects its ability to successfully complete numerous passes through a reader/sorter. The value of apparent density is determined by dividing the papers basis weight by its caliper. The minimum value for apparen
45、t density shall be 4.6 units. Most MICR documents have apparent densities greater than the minimum 4.6 units and the use of these papers with greater apparent densities shall be encouraged. (cross reference basis weight and caliper) All chemical carbonless and carbon-backed papers shall be excluded
46、from this apparent density specification. 5.12 Surface Strength of Paper This is a measure of the force necessary to tear the surface fibers away from a sheet of paper. As the MICR document is handled and processed, paper fibers are rubbed off from the surfaces of the document. MICR ink can be adver
47、sely affected by weak surface fiber integrity because print quality problems like voids, and irregular character edges can be created as weak surface paper fibers are worn away during processing. The testing method for surface strength shall conform to TAPPI T459 and shall be a minimum wax pick meas
48、ure of 10 for both long grain and short grain documents. 6 Paper Testing Methods When testing MICR documents for any paper attribute, samples shall be gathered according to TAPPI T400 methodology. These samples shall be conditioned for the test in accordance with TAPPI T402. ANS X9.100-10 - 2005 ASC
49、 X9, Inc. 2006 All rights reserved 9For a ready reference of the specifications and the test methods designated for the various paper attributes covered in this standard, see Table 1 Summary of Paper Attribute Specifications for Short Grain and Long Grain Documents. 6.1 TAPPI Test Methods The test procedures used in establishing these specifications shall be those that have been approved by the Technical Association of the Pulp and Paper Industry (TAPPI). They are recognized in the industry as the standard tests that shall be used for dete
