1、 American National Standard for Financial Services X9.100-1402016 Image Replacement Document IRD Developed by Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: August 19, 2016 American National Standards Institute American National Standards, Technical Repor
2、ts 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 of the Accredited Standards Committee X9, Inc. For additional informa
3、tion please contact ASC X9, Inc., 275 West Street, Suite 107, Annapolis, MD 21401, USA. ASC X9, Inc. 2016- all rights reserved This page intentionally left blankX9.100-1402016 ASC X9, Inc. 2016 All rights reserved i Foreword Approval of an American National Standard requires verification by ANSI tha
4、t the requirements for 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. Substan
5、tial agreement means much 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
6、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 the standards. The American National Standards Institute does not develop standards and will in no circumstances give
7、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 the American National Standards Institute. Requests for interpretations should be addressed to the secretariat or spon
8、sor 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 CAUTION NOTICE: This American National Standard may be revised or withdrawn at any time.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 National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than fi
9、ve years from the date 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 2016 ASC X9, Inc. All rights reserved. No part of this publication may be reproduced in
10、 any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. Published in the United States of America. X9.100-1402016 ii ASC X9, Inc. 2016 All rights reserved Contents Page This page intentionally left blank 2 Listing of Figures. iv Introduction v 1
11、Scope 1 2 Purpose 1 3 Normative References 1 4 Terms and Definitions. 2 5 General . 1 5.1 Types 1 5.1.1 Forward IRDs 1 5.1.2 Return IRDs 1 6 Information Elements 2 6.1 Front Regions . 2 6.1.1 Required Item Front Image Region: Region 1F . 2 6.1.2 Required Original Check Truncation Institution Region:
12、 Region 2F . 3 6.1.3 Required Creation Institution Region: Region 3F . 4 6.1.4 Required Legend Region: Region 4F 5 6.1.5 Required MICR Region: Region 5F . 5 6.1.6 Optional Qualified MICR Region: Region 6F . 7 6.1.7 Conditional Return Reason Region: Region 7F 8 6.1.8 Optional Data Region: Region 8F 9
13、 6.2 Back Regions 10 6.2.1 Required Item Back Image Region: Region 1B . 10 6.2.2 Back of MICR Region: Region 2B (Protected) . 19 6.2.3 Back of Optional Qualified MICR Region: Region 3B (Protected) . 19 6.3 Dimensional References and Tolerances . 19 6.3.1 Tolerance on Dimensions to IRD Edges . 19 6.3
14、.2 Tolerance on Dimensions to Other Data Elements . 20 7 Design Elements . 20 7.1 IRD Size 20 7.1.1 Forward IRD Size 20 7.1.2 Qualified Return IRD Size . 20 7.2 Paper 20 7.3 Perforations 20 7.4 MICR Encoding . 21 7.5 IRD Design Graphics 21 7.6 IRD Endorsement Back. 21 7.7 Security 21 8 Master Dimens
15、ional Layouts 21 Annex A (Normative) Region 7F Return Reason Information Return Reason Codes, Code Description Region 7F Text and Overlay Abbreviations. 26 Annex B (Normative) Check or IRD Conversions 27 B.1 Check or IRD Conversions Matrix Summary. 27 B.2 Valid Conversions. 27 B.3 Invalid Conversion
16、s 28 Annex C (Normative) Conversion Table Inches to Millimeters . 29 X9.100-1402016 ASC X9, Inc. 2016 All rights reserved iii Annex D (Informative) Usage Considerations 30 D.1 Usage Types 30 D.1.1 Forward Original IRD . 30 D.1.2 Forward Subsequent IRD 30 D.1.3 Original IRD Used for Return . 31 D.1.4
17、 Subsequent IRD Used for Return 31 D.2 Acceptable Business Usage 31 Annex E (Informative) Examples of IRDs 33 Annex F (Informative) Paper Check or IRD Conversions and Image Quality Degradation Factors 44 F.1 Example Paper Check and IRD, and Potential Image Degradation Areas . 44 F.2 Possible Degrada
18、tion Factors 45 Annex G (Informative) Return Endorsements. 46 G.1 General 46 G.2 Suggested Implementation Considerations 46 Annex H (Informative) Check Digit Calculation 48 H.1 General 48 H.2 Calculation 48 Annex I (Informative) Symbol Requirements for Routing Transit Numbers . 49 I.1 General. 49 I.
19、2 Required Original Check Truncation Institution Region: Region 2F. 49 I.3 Required Creation Institution Region: Region 3F . 49 I.4 Back of Image: Region 1B Endorsements 49 I.4.1 Region 1B - BOFD Endorsement Overlay Areas for Original and Subsequent IRD 49 I.4.1.1 Creator Receives Electronic File 50
20、 I.4.1.2 Creator Receives Physical Paper Item or is Processing Physical Paper Item 50 I.4.2 Region 1B - Subsequent Endorsement Overlay Areas for Original and Subsequent IRD. 51 I.4.2.1 Creator Receives Electronic File 51 I.4.2.2 Creator Receives Physical Paper Item or is Processing Physical Paper It
21、em 52 Annex J (Informative) Difference Between This Standard and Previous Standards . 53 J.1 Difference between ANSI X9.100-1402016 and ANSI X9.100-1402013 . 53 J.1.1 Changes . 53 J.2 Difference between ANSI X9.100-1402013 and ANSI X9.100-1402008 . 53 J.2.1 Background 53 J.2.2 Changes . 53 J.3 Diffe
22、rence between ANSI X9.100-140 2008 and X9.100-1402004 54 J.3.1 Background 54 J.3.2 Phased Changes with Sunset Date 54 J.3.3 Additional Substantive Changes and Clarifications . 55 J.3.4 Non-Substantive Changes 55 J.3.5 Annex Changes 56 X9.100-1402016 iv ASC X9, Inc. 2016 All rights reserved Listing o
23、f Figures Figure 1 Image Replacement Document Master Layout, Front . 22 Figure 2 Image Replacement Document Used for Return Master Layout, Front . 23 Figure 3 Image Replacement Document Master Layout, Back 24 Figure 4 Image Replacement Document Used for Return Master Layout, Back . 25 Figure E.1 For
24、ward Original IRD of Personal-Sized Check, Front 34 Figure E.2 Forward Original IRD of Personal-Sized Check, Back 35 Figure E.3 Forward Subsequent IRD of Personal-Sized Check, Front 36 Figure E.4 Forward Subsequent IRD of Personal-Sized Check, Back 37 Figure E.5 Forward Original IRD Used for Return
25、of Personal-Sized Check, Front (Qualified Return Strip is not Used) 38 Figure E.6 Original IRD Used for Qualified Return of a Business-Sized Check, Front . 39 Figure E.7 Original IRD Used for Qualified Return of a Business-Sized Check, Back 40 Figure E.8 Forward Subsequent IRD of a Business-Sized Ch
26、eck, Front After Re-presentment these factors can be an impediment to check truncation at the point of presentment. The Payments System Development Committee (PSDC), which was formed in 1999 and was chaired by Roger Ferguson (then Vice Chairman of the Federal Reserve Board) and Cathy Minehan (then P
27、resident of the Federal Reserve Bank of Boston), had been working with the banking industry, in part, to facilitate electronic check exchange. Under the auspices of the PSDC, the Federal Reserve Board forwarded proposed legislation to Congress called the Check Truncation Act (CTA). The proposed Act
28、was signed into law on October 28, 2003 and is cited as the “Check Clearing for the 21stCentury Act” or the “Check 21 Act” (Act). This Act facilitates truncation of checks earlier in the forward collection and return process than had typically occurred in the industry at that time. The Check 21 Act
29、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 this standard is a necessary step in the successful implementation of the Check 21 Act. The Federal Reserve ame
30、nded Regulation CC to implement the Check 21 Act and specifically identified ANSI X9.100-140 as the standard for substitute checks. The substitute check defined in Regulation CC must conform in paper stock, dimension, and otherwise, to generally applicable industry standards. Current ANSI standards
31、related to check creation and printing are followed and are referenced in this standard. However, this standard allows identification of the unique characteristics and uses of a substitute check and allows for variations from current standards. This standard defines an IRD which can be used as a sub
32、stitute check as defined in Regulation CC. The IRD has brought significant benefits to the financial community as they embraced electronics. Checks can be imaged at the point of sale, automated tellers, bank branches, lockbox operations or check capture operations and then handled electronically for
33、 the downstream processing. As outlined in Regulation CC 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 ex
34、ception processing and statement rendering timelier and less costly. This standard is a revision to X9.100-1402008. The changes to this standard are not substantive; a summary of the changes can be found in Annex J. The revisions from the X9.100-1402004 to X9.100-1402008 were more substantive; a sum
35、mary of those changes can be found in Annex J. There are ten 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 implementation con
36、siderations a financial institution needs to address to fully implement the standard. X9.100-1402016 vi ASC X9, Inc. 2016 All rights reserved Note that this document now includes many embedded hyperlinks to aid navigation. To return to a “launch” location from a linked location within this document,
37、 simply hold the Alt key on your keyboard and press the left arrow key. Approval of this Standard by the Accredited Standards Committee X9 does not necessarily imply that all the committee members voted for its approval. At the time this standard was approved, the X9 committee had the following memb
38、ers: Roy C. DeCicco, X9 Chairman Claudia Swendseid, X9 Vice Chairman Steve Stevens, X9 Executive Director Janet Busch, Program Manager Organization Represented Representative ACI WorldwideMr. Doug Grote ACI WorldwideDoug Grote American Bankers Association Diane Poole American Express Company .David
39、Moore Bank of America .Daniel Welch Bank of New York Mellon Bryan Kirkpatrick BlackBerry Limited Daniel Brown Blackhawk Network.Anthony Redondo Bloomberg LP Corby Dear Capital One Marie LaQuerre Citigroup, Inc. .Karla McKenna CLS Bank.Ram Komarraju Conexxus, Inc.Michael Davis Conexxus, Inc.Gray Tayl
40、or CUSIP Service BureauJames Taylor DeLap LLP .Darlene Kargel Deluxe Corporation .Angela Hendershott Diebold, Inc. .Bruce Chapa Discover Financial Services.Michelle Zhang Federal Reserve Bank Mary Hughes Federal Reserve Bank Claudia Swendseid FIS Stephen Gibson-Saxty Fiserv.Dan Otten FIX Protocol Lt
41、d - FPL.Jim Northey Futurex Ryan Smith Gilbarco .Bruce Welch Harland Clarke .John McCleary Hewlett Packard .Susan Langford 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 Lun
42、din MagTek, Inc. Roger Applewhite MagTek, Inc. Mimi Hart MasterCard Europe SprlMark Kamers Merchant Advisory Group Liz Garner NACHA The Electronic Payments Association Priscilla Holland National Security Agency Paul Timmel X9.100-1402016 ASC X9, Inc. 2016 All rights reserved vii NCR Corporation Davi
43、d Norris Office of Financial Research, U.S. Treasury Department Justin Stekervetz PCI Security Standards Council Troy Leach RouteOne Chris Irving RouteOne Jenna Wolfe State Street Corporation . David Blaszkowsky State Street Corporation . Sharon Cournoyer SWIFT/Pan Americas . Frank Vandriessche Symc
44、or Inc. Debbi Fitzpatrick 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 VISA Kim Wagner Wells Fargo Bank . Mark Tiggas At the time this standard was approved,
45、the X9AB Payments subcommittee had the following members: Daniel Welch, Chairman Jackie Pagn,Vice Chairman John McCleary, Vice Chairman Alan Thiemann, Vice Chairman Organization Represented Representative All My Papers. Ray Higgins All My Papers. Larry Krummel All My Papers. Brett Nelson American Ba
46、nkers Association Diane Poole AQ2 Technologies LLC. Shawn Box BancTec, Inc Peter Caporal BancTec, Inc Tim Ullrich Bank of America. Andi Coleman Bank of America. Colleen Powers Bank of America. Will Robinson Bank of America. Matthew Sharp Bank of America. Daniel Welch Bank of New York Mellon Kevin Ba
47、rnes Bank of New York Mellon Arthur Sutton BlackBerry Limited . Daniel Brown Citigroup, Inc Luis Meneses Comerica . Paul Burns Deluxe Corporation Angela Hendershott Deluxe Corporation Margiore Romay Diebold, Inc Rick Brunt Diebold, Inc Bruce Chapa ECCHO . Ellen Heffner ECCHO . Phyllis Meyerson Feder
48、al Reserve Bank Mark Kielman Fifth Third Bank Craig Jones Fifth Third Bank Mark Woodward FIS Stephen Gibson-Saxty Fiserv Allen Heimerdinger X9.100-1402016 viii ASC X9, Inc. 2016 All rights reserved Fiserv.Lori Hood Harland Clarke .John McCleary Huntington Bank .Jim Posani IBM Corporation .Rod Moon I
49、ndependent Community Bankers of America .Viveca Ware Independent Community Bankers of America .Cary Whaley Independent Community Bankers of America .Cheryl Yavornitzki iStream Imaging/Bank of Kenney .Mike McGuire J.P. Morgan Chase .Jackie Pagn M a QRC is typically not used in direct exchanges. 4.23 return reason code (ANSI X9.100-140) For return items, the particular reason that the paying bank refuses payment. 4.24 short name As used in this standard, the short name that is printed on an IRD
