1、 American National Standard for Financial Services ANSI X9.100-120-2015 Bank Deposit Tickets Developed by Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: October 9, 2015 American National Standards Institute American National Standards, Technical Reports a
2、nd 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 of the Accredited Standards Committee X9, Inc. For additional information
3、 please contact ASC X9, Inc., 275 West Street, Suite 107, Annapolis, MD 21401. This page left intentionally blank ANSI X9.100-120-2015 ASC X9, Inc. 2015 All rights reserved iii Contents Page Foreword vi Introduction . vii 1 Scope and Purpose . 1 1.1 Scope 1 1.2 Purpose 1 2 Normative References . 1 3
4、 Terms and Definitions . 2 3.1 aligning edge (ANSI X9.100-160-1) 2 3.2 background (ANSI X9.100-120) 2 3.3 cash/currency count boxes (ANSI X9.100-120) 2 3.4 deposit ticket (ANSI X9.100-120) 2 3.5 dropout element (ANSI X9.100-120) . 2 3.6 dynamic contrast image (DC image) (ANSI X9.100-110) . 2 3.7 dyn
5、amic contrast ratio (DCR) (X9.100-110) . 2 3.8 field guide (ANSI X9.100-120) . 2 3.9 grain direction (ANSI X9.100-10) 2 3.10 human-visible spectrum (ANSI X9.100-110) . 3 3.11 imaging (ANSI X9.100-110) . 3 3.12 immediate withdrawal disclaimer (ANSI X9.100-120) 3 3.13 intelligent character recognition
6、 (ICR) (ANSI X9.100-110) 3 3.14 item entry area (ANSI X9.100-120) . 3 3.15 leading edge (ANSI X9.100-160-1) 3 3.16 listing (ANSI X9.100-120) 3 3.17 magnetic ink character recognition (MICR) (ANSI X9.100-20) 3 3.18 MICR clear band (ANSI X9.100-20) . 3 3.19 MICR print band (ANSI X9.100-20) . 3 3.20 no
7、n-read ink (ANSI X9.100-120) . 4 3.21 optical character recognition (OCR) (ANSI X9.100-110) 4 3.22 optical clear band (ANSI X9.100-20) 4 3.23 paxel (ANSI X9.100-110) 4 3.24 print contrast (ANSI X9. 100-110) . 4 3.25 print contrast signal (PCS) (ANSI X9.100-110) . 4 3.26 printed information (ANSI X9.
8、100-120) 4 3.27 read ink (ANSI X9.100-120) . 4 3.28 reflectance (ANSI /X9.100-110) . 4 3.29 routing number (ANSI X9.100-160-1) . 4 3.30 screen printing (halftone) (ANSI X9.100-120) . 5 3.31 solid printing (ANSI X9.100-120) 5 3.32 stroke width (ANSI X9.100-20) 5 3.33 total deposit amount entry rectan
9、gle (ANSI X9.100-120) 5 3.34 trailing edge (ANSI X9.100-160-1) 5 3.35 transaction ID area (ANSI X9.100-120) 5 4 Document Design Requirements . 5 4.1 Paper Requirements 5 4.1.1 General . 5 4.1.2 Weight and Grain Direction 5 ANSI X9.100-120-2015 iv ASC X9, Inc. 2015 All rights reserved 4.1.3 Color 5 4
10、.2 Size Requirements . 6 4.2.1 Specifications . 6 4.3 Printing Ink Requirements 6 4.3.1 General 6 4.3.2 Reflectance and PCS Specifications . 7 4.3.3 Testing Equipment Requirements . 8 4.4 Dollar Symbol . 8 4.4.1 Preprinted Dollar Symbol Specifications 8 4.4.2 Machine Printed Dollar Symbol Specificat
11、ions 10 4.4.3 Dollar Symbols Printed on the Back of the Deposit Ticket . 10 4.5 Dimensions and Location of Intelligent Character Recognition (ICR) Data 10 4.5.1 ICR Data Area . 10 4.5.2 Decimal Point Specifications 12 4.5.3 Triangular Denomination Marker . 12 4.5.4 General 14 4.5.5 Item Entry Field
12、Guides . 14 4.6 MICR Lines on Preprinted Deposit Tickets . 15 4.6.1 General 15 4.6.2 Use of Routing Numbers . 15 4.6.3 Backprinting on the Deposit Ticket . 15 5 Personal and Business Size Deposit Ticket Features . 16 5.1 General 16 5.2 Deposit Ticket Standard Features . 16 5.2.1 Transaction ID Area
13、. 16 5.2.2 Item Entry Area 17 5.2.3 Total Deposit Amount Area Rectangle 17 5.2.4 Cash/Currency Count Boxes 17 5.2.5 Immediate Withdrawal Disclaimer . 17 5.3 Machine Printed and Machine Completed Deposit Tickets . 17 5.3.1 Machine Printed Deposit Tickets . 17 5.3.2 Machine Completed Deposit Tickets .
14、 17 Annex A (informative) Additional Paper, Ink, and Image Readiness Information . 24 A.1 Paper . 24 A.2 Types of Ink 24 A.2.1 ICR Read Ink Information 24 A.2.2 Non-Read Ink Information . 24 A.3 Reflectance and PCS . 24 A.3.1 Reflectance Information 24 A.3.2 Print Contrast and Print Contrast Signal
15、(PCS) Information . 24 Annex B (informative) Metric Conversion Table . 26 Annex C (informative) Document Validation . 27 C.1 The Validation Challenge with Image Processing 27 C.2 Different Document Challenges . 27 C.3 Changing equipment and Procedures . 27 C.4 Ink 27 C.5 Back Validation 27 ANSI X9.1
16、00-120-2015 ASC X9, Inc. 2015 All rights reserved v Figures Figure 1 Deposit Ticket Dimensions 6 Figure 2 Example of image format for item entry area 7 Figure 3 Preprinted dollar symbol location . 9 Figure 4 ICR data area dimensions 13 Figure 5 Enlargement of item entry rectangle area 13 Figure 6 Tr
17、ansaction ID Area, Item Entry Area and Total Deposit Amount Entry Rectangle Field Guides . 14 Figure 7 Example of individual character field guide. 14 Figure 8 Example of rectangle with split cents and tic mark field guides . 15 Figure 9 Example of Personal Size Deposit Ticket . 19 Figure 10 Busines
18、s Size Deposit Ticket with Parallel Item Entry Area 20 Figure 11 Business Size Deposit Ticket with Perpendicular Item Entry Area and Two Total Deposit Amount Entry Rectangles . 21 Figure 12 Business Size Deposit Ticket with Perpendicular Item Entry Area and One Dollar Symbol 22 Figure 13 Example of
19、Machine Printed Deposit Ticket without Field Guides 23 Figure 14 Example of a Machine Completed Deposit Ticket with Field Guides 23 ANSI X9.100-120-2015 vi ASC X9, Inc. 2015 All rights reserved Foreword Approval of an American National Standard requires verification by ANSI that the requirements for
20、 due process, consensus, and other criteria 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 m
21、uch more than a simple majority, but 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 preclud
22、e 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 in no circumstances give an interpretation of a
23、ny 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 interpretation should be addressed to the secretariat or sponsor whose name appears
24、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 National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the date
25、of approval. Published by Accredited Standards Committee X9, Incorporated Financial Industry Standards 275 West Street, Suite 107 Annapolis, MD 21401 USA X9 Online http:/www.x9.org Copyright 2015 ASC X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an elect
26、ronic retrieval system or otherwise, without prior written permission of the publisher. Published in the United States of America. ANSI X9.100-120-2015 ASC X9, Inc. 2015 All rights reserved vii Introduction This version of X9.100-20 is an update to the version published in 2009. While there are no n
27、ew normative requirements, the direct reference to opacity was removed, to be consistent with a change in ANSI X9.100-10-2011, Paper Requirements for MICR Documents. The sections on “Normative References,” and “Terms and Definitions” have been updated. There are three annexes in this standard. All a
28、nnexes are informative and are not considered part of this standard. 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, 275 West Street, Suite 107, Annap
29、olis, MD 21401 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 committee members voted for its approval. At the time this standard was appro
30、ved, the X9 committee had the following members: Roy C. DeCicco, X9 Chairman Claudia Swendseid, X9 Vice Chairman Steve Stevens, Executive Director Janet Busch, Program Director Organization Represented Representative ACI Worldwide Doug Grote American Bankers Association . C. Diane Poole American Exp
31、ress Company David Moore Bank of America . Daniel Welch Bank of New York Mellon . David Goldberg BlackBerry Limited Daniel Brown Blackhawk Network John Silveria Bloomberg LP . Corby Dear Citigroup, Inc. Karla McKenna CLS Bank Ram Komarraju Conexxus, Inc. Gray Taylor CUSIP Service Bureau . James Tayl
32、or Deluxe Corporation . Angela Hendershott Diebold, Inc. Bruce Chapa Discover Financial Services . Michelle Zhang Federal Reserve Bank Claudia Swendseid First Data Corporation Rick Van Luvender FIS Stephen Gibson-Saxty Fiserv Dan Otten Gilbarco Bruce Welch Harland Clarke John McCleary Hewlett Packar
33、d Susan Langford ANSI X9.100-120-2015 viii ASC X9, Inc. 2015 All rights reserved IBM Corporation . Todd Arnold Independent Community Bankers of America . Cary Whaley Ingenico . Rob Martin ISITC Genevy Dimitrion J.P. Morgan Chase Roy DeCicco KPMG LLP . Mark Lundin MagTek, Inc. Mimi Hart MasterCard Eu
34、rope Sprl Mark Kamers Merchant Advisory Group Liz Garner NACHA The Electronic Payments Association Robert Unger National Security Agency . Paul Timmel NCR Corporation . Steve Stevens Oberthur . Russell Conser Office of Financial Research, U.S. Treasury Department . Con Crowley RouteOne . Chris Irvin
35、g State Street Corporation Sharon Cournoyer SWIFT/Pan Americas Frank Vandriessche Symcor Inc. Ivan Welsh TECSEC Incorporated . Ed Scheidt The Clearing House . Sharon Jablon U.S. Bank . John King USDA Food and Nutrition Service . Kathy Ottobre Vantiv LLC . Patty Walters VeriFone, Inc. . Dave Faoro Ve
36、rifyValid Paul Doyle VISA . Kim Wagner Wells Fargo Bank . Mark Tiggas At the time this standard was approved, the X9AB Payments Subcommittee had the following members: Daniel Welch, Chairman John McCleary, Vice Chairman Jackie Pagn, Vice Chairman Alan Thiemann, Vice Chairman Organization Represented
37、 Representative All My Papers . Ray Higgins All My Papers . Larry Krummel American Bankers Association Tom Judd American Bankers Association Steve Kenneally American Bankers Association C. Diane Poole American Express Company . David Armes American Express Company . Eric Eldridge American Express Co
38、mpany . Farid Hatefi American Express Company . Vicky Sammons American Express Company . John Timar AQ2 Technologies LLC Shawn Box BancTec, Inc. . Peter Caporal BancTec, Inc. . David Hunt Bank of America . Andi Coleman Bank of America . Kris Krogulecki Bank of America . Colleen Powers Bank of Americ
39、a . Will Robinson ANSI X9.100-120-2015 ASC X9, Inc. 2015 All rights reserved ix Bank of America . Matthew Sharp Bank of America . Cathy Tuntland Bank of America . David Uitermarkt Bank of America . Daniel Welch Bank of New York Mellon . Bryan Kirkpatrick BlackBerry Limited Daniel Brown Blackhawk Net
40、work John Silveria CDP, Inc. Johnny Sena Cipherithm Scott Spiker Citigroup, Inc. Karla McKenna Citigroup, Inc. Luis Meneses Citigroup, Inc. Rene Schuurman Citigroup, Inc. Chii-Ren Tsai CLS Bank Ram Komarraju Conexxus, Inc. Michael Davis Conexxus, Inc. Gray Taylor Conexxus, Inc. Alan Thiemann Conexxu
41、s, Inc. Linda Toth Deluxe Corporation . Angela Hendershott Deluxe Corporation . Margiore Romay Deluxe Corporation . Andy Vo Diebold, Inc. Bruce Chapa Discover Financial Services . Gordon Searle Discover Financial Services . Brenda Tobias Discover Financial Services . Michelle Zhang ECCHO . Ellen Hef
42、fner ECCHO . Phyllis Meyerson Etegrity L.L.C. . Penny Tisdale Federal Reserve Bank Mary Hughes Federal Reserve Bank Kathleen Jacob Federal Reserve Bank Mark Kielman Fifth Third Bank Craig Jones Fifth Third Bank Jerry Poe Fifth Third Bank Jonathan Taylor Fifth Third Bank Mark Woodward FIS Stephen Gib
43、son-Saxty Fiserv Mary Bland Fiserv Laura Drozda Fiserv Allen Heimerdinger Fiserv Lori Hood Fiserv Karen Jackson Fiserv Dan Otten Harland Clarke John McCleary Huntington Bank . Jim Posani IBM Corporation Rod Moon IBM Corporation Andrew Sutton Independent Community Bankers of America Viveca Ware Indep
44、endent Community Bankers of America Cary Whaley Ingenico John Spence ISITC . Steve Goswell iStream Imaging/Bank of Kenney . Mike McGuire J.P. Morgan Chase . Edward Koslow J.P. Morgan Chase . Jackie Pagn MagTek, Inc. . Jeff Duncan MAXIMUS, Inc Peter Relich ANSI X9.100-120-2015 x ASC X9, Inc. 2015 All
45、 rights reserved NACHA The Electronic Payments Association Robert Unger National Security Agency . Paul Timmel Navy Federal Credit Union April Haynes Navy Federal Credit Union Vicki Shapiro Navy Federal Credit Union Tynika Wilson NCR Corporation . David Norris NCR Corporation . Ron Rogers NCR Corpor
46、ation . Jamie Rossignoli NCR Corporation . Steve Stevens Paychex Inc . Carl Tinch RDM Corporation . Bill Faulkner Relyco Sales Inc Rick Gagnon Relyco Sales Inc Michael Steinberg Rosetta Technologies Jim Walling Rosetta Technologies Jose Cortedano SoliSYSTEMS Corp. Roque Solis Solutran Dan Galinson S
47、olutran Cindy Neiderhiser Solutran Deb Niles Solutran Carmen R. Nordstrand Solutran Holly Umhoefer Source Technologies . Wally Burlingham Source Technologies . Chuck Freeman Standard Register Company . Melissa Kirk SWIFT/Pan Americas Jean-Marie Eloy SWIFT/Pan Americas James Wills Symcor Inc. Ivan We
48、lsh Symcor Inc. Hiren Joshi TECSEC Incorporated . Ed Scheidt Texas DSHS WIC EBT Duane Grabarschick Texas DSHS WIC EBT John Hannemann Texas DSHS WIC EBT Brian Whitfield The Clearing House . Henry Farrar Troy Group, Inc. . Michael Riley U.S. Bank . Michelle Copher U.S. Bank . Tim Dawe U.S. Bank . Gina
49、 Hebner U.S. Bank . Scott LaPlante U.S. Bank . Maureen Latendresse U.S. Bank . Timothy Schmidt U.S. Bank . Christopher Stickney USDA Food and Nutrition Service . Erin McBride USDA Food and Nutrition Service . Kathy Ottobre Vantiv LLC . Patty Walters VeriFone, Inc. . Dave Faoro VeriFone, Inc. . Dan Kannady VeriFone, Inc. . Brad McGuinness VerifyValid Paul Doyle VerifyValid John FitzPatrick Viewpointe . Richard Luchak VISA . John Aafedt VISA . Brian Hamilton VISA . Glenn Powell Wells Fargo Bank . William Davis Wells Fargo Bank .
