1、 American National Standard for Financial Services ANS X9.100-170 Specifications for the Padlock Icon (Formerly known as Fraud Deterrent Icon Standard ANS X9.51) Secretariat Accredited Standards Committee X9, Inc. Approved: August 17, 2004 American National Standards Institute ANS X9.100-170 2004For
2、eword 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 developer. Consensus is established when, in the judgment of the ANSI Board of Standards Review, substantial
3、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 views and objections be considered, and that a concerted effort be made toward their resolution. The use
4、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, or using products, processes, or procedures not conforming to the standards. The American National
5、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 interpretation of an American National Standard in the name of the American National Standards Insti
6、tute. 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 CAUTION NOTICE: This American National Standard may be revised or withdrawn at any time. The procedures of the American National Standards Institute require tha
7、t 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, Incorporated Financial Industry Standards P.O. Box 4035 Annapolis, MD 21403 USA X9 Online http:/www.x9.org Copyright 2004 ASC X9, Inc.
8、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. Published in the United States of America. i ASC X9.Inc. 2004 All rights reserved ANS X9.100-170 2004This page has been l
9、eft blank intentionally. ii ASC X9.Inc. 2004 All rights reserved ANS X9.100-170 2004CONTENTS Page Introduction 1 1 Scope 5 2 Purpose . 5 3 Normative References. 5 4 Definitions 6 5 General Information. 8 5.1 Requirements for Use of the Padlock Icon 8 5.2 Specifications for Design of Padlock Icon . 8
10、 5.3 Location of Padlock Icon on a Document 10 5.4 Designation of Features Used . 11 5.5 Location of Warning Box 12 5.6 Compliant Documents 13 6 Education of Payment Recipient. 15 7 Security Technique Identification 15 7.1 Visual Indication of Features Being Present 15 7.2 Machine Readable Indicatio
11、n of Features Being Present. 15 Annex A Machine Readable Options . 16 Annex B Check Payment Systems Association Registration Information. 17 Annex C Inches to Millimeters Conversion 19 Annex D ASC X9, Inc. New Project Proposal Request. 20 Figure 1 Padlock Icon 8 2 Padlock Icon Dimensions 9 3 Padlock
12、 Icon Ratio Dimensions 9 4 Location of Padlock Icon on Document 10 5A Warning Box Sample. 11 5B Warning Box Sample. 11 6 Example of Warning Box on Back of Document 12 7 Example of Warning Box on Front of Document 12 8 Document Front with Padlock Icon . 13 9 Business Size Check with Padlock Icon Inco
13、rporated in Border . 14 10 Business Size Check with Padlock Icon Placed Beneath CAR. 14 iii ASC X9.Inc. 2004 All rights reserved ANS X9.100-170 2004Introduction The Accredited Standards Committee X9 Financial Services and its X9B subcommittee on paper based transactions have been concerned for sever
14、al years with reducing fraud associated with the use of checks. In 1995 X9 published Technical Guideline X9/TG-8, Check Security Guideline, as the first compilation of techniques for the reduction of check fraud encompassing the entire life cycle of the check. Since that time the X9B subcommittee co
15、ntinued to be concerned about the growing problem of check fraud and as a consequence continued to meet to determine more specific methods for reducing fraud due to counterfeiting and alterations. This standard offers check printers and users of negotiable documents some deterrents to casual fraud.
16、It is important to note that no single security feature or combination thereof can be 100% effective in preventing fraud. The feature options in themselves are not specified but described and summarized. The original 1998 version of this standard included the use of a visual identification lock icon
17、 that was deemed obsolete on December 31, 2000. All references to this design have been removed from this standard. Use of the padlock icon requires the check printer to register their use of the padlock icon with the Check Payment Systems Association (CPSA). The padlock icon is a registered mark. F
18、urther information and details on the registration process can be obtained by contacting: Check Payment Systems Association 1200 19thStreet, N.W., Suite 300 Washington, D.C. 20036-2401 (202) 857-1144 Suggestions for the improvement or revision of this standard are welcome. They should be sent to the
19、 X9 Committee Secretariat, Accredited Standards 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
20、 does not necessarily imply that all the committee members voted for its approval. Gene Kathol, X9 Chairman Vincent DeSantis X9 Vice Chairman Cynthia L. Fuller, Executive Director Isabel C. Bailey, Managing Director Organization Represented Representative ACI Worldwide . Jim Shaffer American Express
21、 Company . Mike Jones American Financial Services Association Mark Zalewski Bank of America. Daniel Welch Bank One Corporation Jacqueline Pagan BB and T Woody Tyner Cable b) the prevention of deceptive practices; c) the protection of human health or safety, animal or plant life or health, or the env
22、ironment; d) fundamental climatic or other geographical factors; e) fundamental technological problems. 2. JUSTIFICATION OF PROPOSED STANDARD Issue Description: (Provide a detailed explanation of what you propose to standardize. Attach any documents to further explain subject.) Attach draft if avail
23、able. Mandatory 5 year review ANS X9.51 Fraud Deterrent Icon Standard 1998 is due. Need/Benefit/Audience: (Please include a thorough explanation of why the standard is needed, what commercial, operational, or financial benefits may be realized by use of the standard. Identify the user group who shou
24、ld participate.) This standard establishes the design and usage requirements of the padlock icon for visually communicating the presence of security features on a check. The standard specifies characteristics of security features that meet the requirements for use of the padlock icon. 3. COORDINATIO
25、N WITH OTHER STANDARDS Do you see this as a guideline or a standard? (Refer to X9 Procedures for explanation.) ASC X9.Inc. 2004 All rights reserved 20ANS X9.100-170 2004Standard Could this standard become part of another X9 standard? No, Existing standard ANS X9.51 Should this project be developed w
26、ithin ISO/TC68 as an international standard? No List any closely related domestic standards either published or under development of which you are aware. Information about specific security features can be found in ASC X9/TG-8. Describe any related domestic work efforts. None known List any closely
27、related international standards either published or under development of which you are aware: None known Describe any related international work efforts: None known Security-Related Needs: (Identify any security-related needs or requirements generated by this new work item and discuss them with the
28、chair of the X9F Data & Information Security subcommittee. Will any of these needs or requirements be included in the scope statement?) None known 4. PATENT ISSUES AND GOOD FAITH DEVELOPMENT PRACTICE Any party who proposes or becomes aware of an item, which is patented or intended for patent, for in
29、clusion in a standard or guideline under development, shall immediately inform the working group that the item is covered by a patent. This requirement holds whether or not the party proposing the item is the holder of the patent. Are there any patent concerns or could there be in conjunction with t
30、his project? Use of the padlock icon requires the check printer to register their use of the padlock icon with the Check Payment Systems Association (CPSA). The padlock icon is a registered mark. Further information and details on the registration process can be obtained by contacting: Check Payment
31、 Systems Association 1200 19thStreet, N.W., Suite 300 Washington, D.C. 20036-2401 (202) 857-1144 ASC X9.Inc. 2004 All rights reserved 21ANS X9.100-170 2004 ASC X9.Inc. 2004 All rights reserved 225. PROJECT TIMELINE AND PARTICIPATION Estimated Project Development Time: (Should X9 consider this projec
32、t a priority? Why?) ASC/X9B review of the existing standard is complete and is ready for ballot. Potential participants : (List names and organizations - Must include at least 5 X9 voting organizations) John H. Harland Curt Siroky Standard Register Company Melissa Barnes Bank of America Daniel Welch
33、 Clarke American Checks, Inc John McCleary Deluxe Corporation Bill Ferguson Xerox Corporation Frank Bov Bank One Corporation Jacqueline Pagan BancTec, Inc David Hunt NCR Corporation David Norris 6. MARKETING INFORMATION What is the target audience for this guideline or standard? This standard offers
34、 check printers and users of negotiable documents some deterrents to casual fraud. What industry need will the standard or guideline fill and how? The Accredited Standards Committee X9 Financial Services and its X9B subcommittee on paper based transactions have been concerned for several years with
35、reducing fraud associated with the use of checks. In 1995 X9 published Technical Guideline X9/TG-8, Check Security Guideline, as the first compilation of techniques for the reduction of check fraud encompassing the entire life cycle of the check. Since that time the X9B subcommittee continued to be
36、concerned about the growing problem of check fraud and as a consequence continued to meet to determine more specific methods for reducing fraud due to counterfeiting and alterations. How will X9 “sell“ the standard or promulgate its use? Document will be available at the ANSI store for purchase. 7. RETURN COMPLETED FORM TO: Cindy Fuller, ASC X9, Inc. P.O. Box 4035, Annapolis, Maryland 21403 Telephone: (410) 267-7707 Fax: (301) 879-5124 Email: cindy.fullerX9.org
