1、 American National Standard for Financial Services X9.100-181-2007Specification for TIFF Image Format for Image Exchange Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: 9/12/07 American National Standards Institute American National Standards, Technical Re
2、ports, 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 inf
3、ormation please contact ASC X9, Inc., 1212 West Street, Annapolis, Maryland, 21401 USA. ANS X9.100-181-2007 ASC X9, Inc. 2007 All rights reserved - iii -Contents Foreword iv Introduction.v 1 Purpose 1 2 Scope1 3 Normative References.2 4 Terms and Definitions.2 5 Overview.3 6 TIFF Wrapped (G4) Bileve
4、l Images 4 7 Requirements for Image Exchange .5 8 Variances7 9 Details and Suggestion.8 9.1 Additional Fields (not listed in tables 1 or 2)8 9.2 Private Tags .9 9.3 Byte Order 9 Annex A (Normative) TIFF Variance Usage .10 ANS X9.100-181-2007 iv ASC X9, Inc. 2007 All rights reservedForeword Approval
5、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 agreement has b
6、een 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 of American Nat
7、ional 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 Standards Insti
8、tute 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 Institute. Requests
9、for interpretation 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 that action be take
10、n 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 1212 West Street Suite 200 Annapolis, MD 21401 USA X9 Online http:/www.x9.orgCopyright 2006 ASC X9, Inc. All
11、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. ANS X9.100-181-2007 ASC X9, Inc. 2007 All rights reserved - v -Introduction The pu
12、rpose of this standard is to provide the financial industry with a defined specific implementation of a TIFF (Tagged Image File Format) structure necessary to support proper electronic check exchange (ECE) without the need of special agreements. This standard was determined to be necessary when an i
13、ssue arose in the development of ANS X9.100-180-2006 (Specification for Electronic Exchange of Check and Image Data) which was proposing a normative Annex that contained minimum TIFF tags. As a result, the working groups decision was to move the TIFF tag Annex N in ANS X9.100-180-2006 from a normati
14、ve to an informative Annex and create a separate standard ANS X9.100-181 that would define the minimum TIFF fields and their allowed values for image exchange. The new standard will allow development of accepted methods and procedures to accommodate any identified key non-conformances. JPEG (graysca
15、le) compressions will be addressed in a separate standard to be developed in the future. The standard will focus on seven (7) key issues regarding TIFF tags these are: Multistrip, Byte-order, Photometric Interpretation, Fill Order, Orientation, Resolutions and Private Tags. Suggestions for the impro
16、vement or revision of this standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, 1212 West Street, Annapolis, MD 21401 This standard was processed and approved for submittal to ANSI by the Accredited Standard
17、s Committee on Financial Services, X9. Committee approval of the standard does not necessarily imply that all the committee members voted for its approval. The X9 committee had the following members: Jim Shaffer, X9 Chairman Vincent DeSantis, X9 Vice-Chairman Cynthia Fuller, Executive Director Susan
18、 Yashinskie, Managing Director ANS X9.100-181-2007 vi ASC X9, Inc. 2007 All rights reservedOrganization Represented RepresentativeACI Worldwide Jim Shaffer American Bankers Association C. Diane Poole American Express Company John Allen American Financial Services Association Mark Zalewski Bank of Am
19、erica Daniel Welch Certicom Corporation Daniel Brown Citigroup, Inc. Mike Halpern Clarke American Checks, Inc. John W. McCleary Deluxe Corporation John FitzPatrick Diebold, Inc. Bruce Chapa Discover Financial Services Katie Howser Federal Reserve Bank Dexter Holt First Data Corporation Elizabeth Lyn
20、n Fiserv Skip Smith FSTC, Financial Services Technology Consortium Daniel Schutzer Hewlett Packard Larry Hines Hypercom Scott SpikerIBM Corporation Todd Arnold Ingenico John SpenceIntuit, Inc. Jana Hocker iStream Imaging Bank of Kenney Ken Biel J.P. Morgan Chase & Co Jacqueline Pagn KPMG LLP Mark Lu
21、ndin MagTek, Inc. Carlos Morales MasterCard International William Poletti National Association of Convenience Stores Michael Davis National Security Agency Sheila Brand NCR Corporation Steve Stevens RMG SWIFT Jean-Marie Eloy SWIFT/Pan Americas Malene McMahon The Clearing House Vincent DeSantis U.S.
22、Bank Marc Morrison University Bank Stephen Ranzini VECTORsgi Ron Schultz VeriFone, Inc. Brad McGuinness VISA Richard Sweeney Wachovia Bank Raymond Gatland Wells Fargo Bank Ruven Schwartz ANS X9.100-181-2007 ASC X9, Inc. 2007 All rights reserved - vii -The X9B Committee had the following members: Dex
23、ter Holt, X9B Chairman Curt Siroky, X9B Vice Chairman Daniel Welch, X9B Vice Chairman Cynthia Fuller, Executive Director Susan Yashinskie, Program Manager Organization Represented RepresentativeACI Worldwide Dan Archer ACI Worldwide Cindy Rink ACI Worldwide Jim Shaffer ACOM Solutions Gregory T. Chur
24、ch ACOM Solutions Carl Grant ACS, Government Solutions Pat Solitro All My Papers Ray Higgins All My Papers Larry Krummel All My Papers Brett Nelson American Bankers Association Tom Judd American Bankers Association C. Diane Poole American Express Company John Allen American Express Company Richard R
25、odriguez American Express Company Vicky Sammons American Financial Services Association Mark Zalewski Anicheva Juan Celorio BancTec, Inc. Peter Caporal Bank of America Daniel Welch Boise Paper Solutions Jim Moore Carreker Harry HanklaCarreke Don HarmanCerticom Corporation Daniel Brown Check Site, In
26、c. Neil Godfrey Check Site, Inc. Michael Lowery Check Site, Inc. Mark Springer Checknology, Inc. Janet Wood Citigroup, Inc. Paul Gubiott Citigroup, Inc. Karla McKenna Citigroup, Inc. Susan Rhodes Citigroup, Inc. Andrew Thomas Citigroup, Inc. Gary Word ClearWave Electronics Mark Ross Compass Bank Jan
27、 Cole Compass Bank Kirk Maze Davis & Henderson Dragan Calusic Davis & Henderson Yves Denomme Deluxe Corporation John FitzPatrick Deluxe Corporation Ralph Stolp Deluxe Corporation Mike Valiquet Diebold, Inc. Bruce Chapa Diebold, Inc. Laura Drozda Discover Financial Services Peggy Burggraf ANS X9.100-
28、181-2007 viii ASC X9, Inc. 2007 All rights reservedDiscover Financial Services Katie Howser Discover Financial Services Julie Shaw ECCHO Ellen Heffner ECCHO Phyllis Meyerson Endpoint Exchange LLC Stephen Gibson-Saxty Federal Reserve Bank Dexter Holt First Data Corporation Pam Carter First Data Corpo
29、ration Elizabeth Lynn First Data Corporation Tina McGowan Fiserv Mary Bland Fiserv Keay Edwards Fiserv Lori Hood Fiserv Ron JacobsFiserv Dan Otten Fiserv Joe Pachunka Fiserv Skip Smith Fiserv Chad SpeiserFiserv Senthil Thiagarajan Food Marketing Institute Jennifer Hatcher FSTC, Financial Services Te
30、chnology Consortium Frank Jaffe FSTC, Financial Services Technology Consortium Christine NautiyalFSTC, Financial Services Technology Consortium Daniel Schutzer FSTC, Financial Services Technology Consortium Colin Strutt GTECH Corp Steve Lupo Harland Clarke John McCleary Harland Clarke Valerie Meddle
31、ton Huntington Bank Michelle Dunkle Huntington Bank Jim Posani Hypercom Mohammed Arif Hype Scott Spiker Hypercom Gary Zempich IBM Corporation Rod Moon IFSA Katja Lehr Dan Taylor ImageScan Hanna Jabbour ImageScan Lucie Johnson Ingenico Alexandre Hellequin Ingeni John Spence Intuit, Inc. Jana Hocker i
32、Stream Imaging/Bank of Kenney Ken Biel iStream Imaging/Bank of Kenney Mike McGuire J.P. Morgan Chase & Co Dick Angerosa J.P. Morgan Chase & Co Robert Blair J.P. Morgan Chase & Co Roy DeCicco J.P. Morgan Chase & Co Edward Koslow J.P. Morgan Chase & Co Jackie Pagn ANS X9.100-181-2007 ASC X9, Inc. 2007
33、 All rights reserved - ix -J.P. Morgan Chase & Co Paul Simon J.P. Morgan Chase & Co Bonnie Wright J.P. Morgan Chase & Co Jim Wright Jack Henry and Associates Jerry Garrett Jack Henry and Associates Chuck Hendrickson John H. Harland Company Al Ludwick John H. Harland Company Curt Siroky MagTek, Inc.
34、Jeff Duncan MagTek, Inc. Carlos Morales Maximus, Inc. Jon Haught Maximus, Inc. Peter Relich NACHA The Electronic Payments Association Nancy Grant NACHA The Electronic Payments Association Priscilla Holland National Association of Convenience Stores Michael Davis National Association of Convenience S
35、tores Alan Thiemann National Security Agency Sheila Brand National Security Agency Paul Timmel Navy Federal Credit Union Kim Engman Navy Federal Credit Union Joan Wood NCR Corporation Wayne Doran NCR Corporation Stewart Kelland NCR Corporation David Norris NCR Corporation Ron Rogers NCR Corporation
36、Steve Stevens NCR Corporation Hui Wu NetDeposit, Inc. Danne Buchanan NetDeposit, Inc. William Wong Oce North America, Inc Tony Ribeiro Oce North America, Inc James Smith Orbograph Uriel BenDavid Orbograph Joe Gregory Orbograph Dave Kliewer Paychex Inc Carl Tinch Piracle Jared KeslerPiracl Lynn Shima
37、da Proofspac Paul Doyle Proofspace Jacques Francoeur RDM Corporation Bill Faulkner RDM Corporation Tom Kettell RDM Corporation Karin McNabb Relyco Sales Inc Rick Gagnon Relyco Sales Inc Michael Steinberg Reynolds and Reynolds Co. Carolyn Brackman Reynolds and Reynolds Co. Mark Hoenie Reynolds and Re
38、ynolds Co. Steve Kuhn Rosetta Technologies Jim Maher Silver Bullet Technology, Inc. Bryan Clark Silver Bullet Technology, Inc. Matthew Dunne Solutran Dan Galinson ANS X9.100-181-2007 x ASC X9, Inc. 2007 All rights reservedSolutran Cindy Neiderhiser Solutran Carmen R. Nordstrand Source Technologies W
39、ally Burlingham Source Technologies Roger Ownes Standard Register Company Melissa Barnes Standard Register Company Russell Hill SWIFT/Pan Americas James Wills TECSEC Incorporated Ed Scheidt Texas EBT Doug Walker The Clearing House Vincent DeSantis The Clearing House Henry Farrar The Clearing House S
40、usan Long The National Clearing House Tom DAquisto The National Clearing House Frank Jaffe The National Clearing House Karroll Searcy Troy Group, Inc. Michael Riley U.S. Bank Tim Dawe U.S. Bank Scott LaPlante U.S. Bank Nicole Mettler U.S. Bank Marc Morrison U.S. Bank Christopher Stickney Unisys Corp
41、oration David J. Concannon Unisys Corporation Navnit Shah University Bank Stephen Ranzini University Bank Michael Talley VECTORsgi Jerry Bowman VECTORsgi Jim Fancher VECTORsgi Ron Schultz VeriFone, Inc. Allison Holland VeriFone, Inc. Dan Kannady VeriFone, Inc. Brad McGuinness VeriFone, Inc. Brenda W
42、atlington Vicor, Inc. Rick Smith VISA John Aafedt Joe Bugajski VISA Philippe De Smedt Brian Hamilton VISA Charlotte Rocha Richard Sweeney Wachovia Bank Andrew Garner Wachovia Bank Raymond Gatland Wachovia Bank Chris Klapheke Wachovia Bank Scott Meloun Wachovia Bank Keith Ross Wachovia Bank Laurie Ye
43、ager Wells Fargo Bank Ann Kirk Wells Fargo Bank Chuck Perry Wells Fargo Bank Ruven Schwartz Wells Fargo Bank Mark Tiggas ANS X9.100-181-2007 ASC X9, Inc. 2007 All rights reserved - xi -WorkflowOne Kurt Schnabel WorkflowOne Mel Stephenson Xerox Corporation Frank Bov Xerox Corporation Susan Siani Unde
44、r ASC X9 procedures, a working group may be established 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 the
45、ir affiliated organizations. However, this does not imply that the organization has approved the content of the standard or guideline. (Note: Company names of non-member participants listed only if release form was signed.) Working Group X9B6 on Electronic Exchange of Check and Image Data which deve
46、loped this standard had the following participants: Jacqueline Pagn, Chair JPMorgan Chase Bank Organization Represented RepresentativeAll My Papers Larry Krummel All My Papers Ray Higgins BancTec, Inc. Tim Ulrich Bank of America Daniel Welch Bank of America James Ronca Bank of America Amy Folk Bank
47、of America Lisa Gibson Bank of America James Heddleson Bank of America Lowell Huff Bank of America Colleen Powers Carreker Don Harman Check Sites, Inc. Michael Lowery Clarke American Checks, Inc. John W. McCleary Data Strategies International, Inc. Dr Giancarlo Gaggero ECCHO Phyllis Meyerson Ellen H
48、effner Endpoint Exchange LLC Steve Gibson-Saxty Federal Reserve Bank Dexter Holt Federal Reserve Bank Darin Contini Federal Reserve Bank Mark Kielman First Data Corporation Paquito Singleton Fiserv Keay Edwards Fiserv William Saffici Fiserv Bob Wilson Fise Curt Robinson Fiserv John DrahaniStream Ima
49、ging/Bank of Kenney Mike McGuire IBM Corporation Rod Moon JP Morgan Chase Bank Milton Anderson JP Morgan Chase Bank Dieter Scriven John H. Harland Company Curt Siroky NCR Corporation Wayne Doran NetDeposit, Inc. William Wong ANS X9.100-181-2007 xii ASC X9, Inc. 2007 All rights reservedSilver Bullet Technology, Inc. Bryan Clark SVPCO Steve Jackson U.S. Bank Matt Eliason Unisys Corporation George Reasoner Unisys Corporation David J. Concannon VECTORsgi Jerry Bowman Wells Fargo Ann Kirk Wells Fargo Al Hecht Wachovia Bank Andrew Garner Wachovia Bank
