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7、sed or withdrawn at any time.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
24、nd are referenced in this standard. However, a new standard is needed which allows identification of the unique characteristics and uses of a substitute check and that allows for variations from current standards. This new standard defines an IRD which can be used as a substitute check as defined in
25、 the Act. The IRD will bring significant benefits to the financial community as they continue to embrace electronics. Checks can be imaged at the point of sale, automated tellers, bank branches, lock box operations or check capture operations and then handled electronically for the downstream proces
26、sing. Under certain legal arrangements, an IRD can be used at any point in the process that a physical check might be needed, including the return of an IRD, re-presentment and inclusion in customer statements. The ability to electronically create an IRD has the potential to make exception processin
27、g and statement rendering timelier and less costly. There are seven annexes in this standard. Annexes A, B, and C are normative and considered part of this standard. The remaining annexes are informative and not considered part of this standard. The standard does not address the numerous implementat
28、ion considerations a financial institution needs to address to fully implement the standard. Approval of this Standard by the Accredited Standards Committee X9 does not necessarily imply that all the committee members voted for its approval. NOTE - The users attention is called to the possibility th
29、at compliance with this standard may require use of an invention covered by patent rights. ANS X9.100-140- 2004 ASC X9, Inc. 2004- all rights reserved vii By publication of this standard, no position is taken with respect to the validity of this claim or of any patent rights in connection therewith.
30、 Known patent holders have, however, filed a statement of willingness to grant a license under these rights on reasonable and nondiscriminatory terms and conditions to applicants desiring to obtain such a license. Details may be obtained from the standards developer. The X9 committee had the followi
31、ng members: Gene Kathol, X9 Chairman, First Data Corporation Vincent DeSantis, X9 Vice-Chairman, New York Clearing House Cynthia Fuller, Managing Director, X9 (Secretariat) Organization Represented Representative ACI Worldwide Jim Shaffer American Express Company Mike Jones American Financial Servic
32、es Association Mark Zalewski Bank of America Daniel Welch Bank One Corporation Jacqueline Pagan BB and T Woody Tyner Capital One Scott Sykes Citigroup, Inc. Daniel Schutzer Deluxe Corporation John Fitzpatrick Diebold, Inc. Bruce Chapa Discover Financial Services Jon Mills eFunds Corporation Cory Sur
33、ges Federal Reserve Bank Dexter Holt First Data Corporation Gene Kathol Fiserv Bud Beattie Hewlett Packard Larry Hines Hypercom Scott Spiker IBM Corporation Todd Arnold Ingenico John Sheets JPMChase Bank Robert J Blair KPMG LLP Alfred F. Van Ranst Jr. MagTek, Inc. Carlos Morales MasterCard Internati
34、onal William Poletti Mellon Bank, N.A. David Taddeo National Association of Convenience Stores John Hervey National Security Agency Sheila Brand NCR Corporation David Norris NEC Solutions (America) Michael Versace Savvis Kevin M. Nixon Star Systems, Inc. Michael Wade The Clearing House Vincent DeSan
35、tis Unisys Corporation David J. Concannon University Bank Stephen Ranzini VeriFone, Inc. Brad McGuinness VECTORsgi Ron Schultz VISA International Patricia Greenhalgh Wachovia Bank Ray Gatland Wells Fargo Bank Ruven Schwartz ANS X9.100-140- 2004 viii ASC X9, Inc. 2004- all rights reserved The X9B sub
36、committee on Check Processing had the following members: Mr. Christopher Dowdell, Chairman, Relyco Sales Inc. Mr. Curt Siroky, Vice Chairman, John H. Harland Company Mr. Daniel Welch, Vice Chairman, Bank of America Organization Representative All My Papers Larry Krummel American Express Company Mike
37、 Jones American Financial Services Association Mark Zalewski BancTec, Inc. David Hunt Bank of America Daniel Welch Bank One Corporation Jacqueline Pagan BB and T Woody Tyner Boise Paper Solutions Jim Moore Carreker Don Harman Check Clear, LLC Mark Craig Clarke American Checks, Inc. John W. McCleary
38、ClearWave Electronics Mark Ross Davis & Henderson Dragan Calusic Deluxe Corporation John Fitzpatrick Diebold, Inc. Bruce Chapa ECCHO Phyllis Meyerson Federal Reserve Bank Dexter Holt First Data Corporation Gene Kathol Fiserv William Saffici Hypercom Scott Spiker ImageScan Hanna Jabbour Ingenico Russ
39、 Dhooge John H. Harland Company Curt Siroky Liberty Enterprises, Inc. Richard Pliml MagTek, Inc. Jeff Duncan Mellon Bank, N.A. David C. Schaper MICR Tech, Inc. Phil Rightler National Security Agency Sheila Brand NACHA The Electronic Payments Association Nancy Grant NCR Corporation David Norris New E
40、ngland Business Service Barry Green Oce Printing Systems Tony Ribeiro Orbograph Dave Kliewer Paychex Inc Carl Tinch Piracle Lynn Shimada RDM Corporation Peter Hanna Relizon Mel Stephenson Relyco Sales Inc. Christopher Dowdell Reynolds and Reynolds Co. Julie Roth Rosetta Technologies Jim Maher Silver
41、 Bullet Technology, Inc. Bryan Clark Solutran Carmen Nordstrand Source Technologies Wally Burlingham Standard Register Company Melissa Barnes Star Systems, Inc. Michael Wade The Clearing House Susan Long TMSSequoia Elspeth Bloodgood Troy Systems International, Inc. Michael Riley TWS Systems, Inc. Br
42、ad Palser Unisys Corporation David J. Concannon ANS X9.100-140- 2004 ASC X9, Inc. 2004- all rights reserved ix VECTORsgi Ron Schultz Wachovia Bank Ray Gatland Wells Fargo Bank Al Hecht Xerox Corporation Frank Bov Zions Bancorporation Pamela Wallis Under ASC X9 procedures, a working group may be esta
43、blished to address specific segments of work under the ASC X9 Committee or one of its subcommittees. A working group exists only to develop standard(s) or guideline(s) in a specific area and is then disbanded. The individual experts are listed with their affiliated organizations. However, this does
44、not imply that the organization has approved the content of the standard or guideline. The X9B3 IRD Standards group developed this standard and included the following editorial committee: Andrew Garner, Chairman and Project Editor, Wachovia Bank Lori Hood, Recording Secretary, Fiserv Organization Re
45、presentative All My Papers Larry Krummel BancTec, Inc. Peter Caporal David Hunt Bank of America Daniel Welch Bank One Corporation Jacqueline Pagan Carreker Don Harman Clarke American Checks, Inc. John McCleary Deluxe Corporation John Fitzpatrick Diebold, Inc. Michael Shirk ECCHO Phyllis Meyerson Fed
46、eral Reserve Bank Jeannine DeLano First Data Corporation Pam Carter Fiserv Keay Edwards Lori Hood William Saffici IBM Corporation Andrew Sutton John H. Harland Company Curt Siroky Liberty Enterprises, Inc. Richard Pliml MagTek, Inc. Carlos Morales NACHA The Electronic Payments Association Nancy Gran
47、t NCR Corporation Wayne Doran Dave Norris New England Business Service Barry Green Oce Printing Systems Tony Ribeiro Paychex Inc Carl Tinch RDM Corporation Tom Hayosh Relyco Sales Inc. Rick Gagnon Michael Steinberg Rosetta Technologies Richard Chatfield Silver Bullet Technology, Inc. Bryan Clark Solutran Carmen Nordstrand Source Technologies Wally Burlingham Standard Register Company Melissa Barnes Unisys Corporation David J. Concannon Wachovia Bank Andrew Garner Xerox Corporation Frank Bov Zions Bancorporation William Wong
