1、 American National Standard for Financial Services ANSI X9.100-302011(R2017) Formerly part of X9.7 - 1999 (R2007) Optical Background Measurement for MICR Documents Developed by Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: August 9, 2011 Date Reaffirmed:
2、 January 27, 2017 American National Standards Institute American National Standards, Technical Reports 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 with
3、out express written permission of the Accredited Standards Committee X9, Inc. For additional information please contact ASC X9, Inc., 275 West Street, Suite 107, Annapolis, MD 21401. ANSI X9.100-302011 (R2017) ii 2017 ASC X9, Inc. All rights reserved This page left intentionally blank ANSI X9.100-30
4、2011 (R2017) 2017 ASC X9, Inc. All rights reserved iii Contents Page Foreword . v Introduction vi 1 Scope 1 2 Purpose 1 3 Normative References . 1 4 Terms and definitions . 2 4.1 average area reflectance (X9.100-110/X9.7) 2 4.2 background clutter (X9.100-110/X9.7) 2 4.3 background reflectance (X9.10
5、0-110/X9.7) . 2 4.4 color separation (X9.100-110/X9.7) 2 4.5 convenience amount (X9.100-110/X9.7) 2 4.6 convenience amount clear area (X9.100-110/X9.7) 2 4.7 convenience amount recognition (CAR) (X9.100-110/X9.7) 2 4.8 convenience amount rectangle (X9.100-110/X9.7) . 2 4.9 convenience amount scan ar
6、ea (X9.100-110/X9.7). 2 4.10 data elements (X9.100-110/X9.7) 3 4.11 dynamic contrast image (DC Image) (X9.100-110/X9.7) . 3 4.12 dynamic contrast ratio (DCR) (X9.100-110/X9.7) 3 4.13 grayscale image (X9.100-110/X9.7) 3 4.14 human-visible spectrum (X9.100-110/X9.7) . 3 4.15 ICR (NA) 3 4.16 imaging (X
7、9.100-110/X9.7) 3 4.17 intelligent character recognition (ICR) (X9.100-110/X9.7) . 3 4.18 magnetic ink character recognition (MICR) (X9.100-20) 3 4.19 opacity (X9.100-10) 3 4.20 optical character recognition (OCR) (X9.100-20) 4 4.21 paxel (X9.100-110/X9.7) . 4 4.22 paxel count (X9.100-110/X9.7) 4 4.
8、23 pixel (X9.100-110/X9.7) 4 4.24 print contrast (X9.100-110/X9.7) . 4 4.25 print contrast signal (PCS) (X9.100-110/X9.7) . 4 4.26 printed features (X9.100-110/X9.7) . 4 4.27 reflectance (X9.100-110/X9.7) . 4 4.28 screen printing (halftone) (X9.100-120) . 4 4.29 solid printing (X9.100-120) 5 5 Color
9、 Measurement Systems . 5 5.1 Measurement System for Colors . 5 5.2 Reflectance . 6 6 Opacity 7 7 Colors of Printed Data, Convenience Amount Rectangle and Background 7 7.1 Background Colors . 7 7.2 Convenience Amount Rectangle PCS . 7 7.3 Dollar Symbol . 8 8 Dropout Ink Colors 8 ANSI X9.100-302011 (R
10、2017) iv 2017 ASC X9, Inc. All rights reserved 9 Application Performance Improvements 8 10 Specifications for an Image-based Document Analysis System 11 10.1 Generic Specification for an X9.100-30 Image-based Document Analysis System for Determination of Legibility, Including Average Reflectance, DC
11、 Image and Paxel Count Functionality.11 10.1.1 Introduction 11 10.1.2 Scanning System Specification .11 10.1.3 Dynamic Contrast Image Specification .11 10.1.4 Average Reflectance Specification (Rb) 12 10.1.5 Paxel Specification 12 10.1.6 Paxel Count Specification .12 Annex A (Informative) Conversion
12、 Table - Inches to Millimeters 15 Annex B (Informative) Measurement Equipment Procedures .16 B.1 Image Readiness .16 B.2 Measurement Basics .16 B.3 Procedures for Image Readiness Evaluation, Legibility Testing and PCS Measurements Using the RDM Image Qualifier 97 .16 B.3.1 Introduction 17 B.3.2 Auto
13、matic X9.100-110 (X9.7) Legibility Measurement using a DC Image 17 Step 1 - Set Aperture .17 Step 2 - Scanning .17 Step 3 - Selection of ANS AOI (Areas of Interest) 17 Step 4 - Measurement 18 B.3.3 Automatic CAR (Convenience Amount Rectangle) PCS and Reflectance Evaluation .18 B.3.4 Manual Spot Refl
14、ectance, Spot PCS and PCS Mapping 19 B.3.5 Cautionary Note for Spot PCS and PCS Mapping 20 B.4 Procedures for Spot and Automatic Averaging Measurements of Reflectance and PCS Using the Clearwave 082 Series of Optical Character Tester. 20 B.4.1 Introduction 20 B.4.2 Application .20 B.4.3 PCS Spot Mea
15、surement 21 B.4.4 REF Spot Measurement 21 B.4.5 Scan Averaging 21 LIST OF FIGURES Figure 1 Relative Spectral Luminance Response for Photopic Vision 6 Figure 2 Dynamic Thresholding from a Bit Map .13 Figure 3 Pixels, Paxels and Paxel Strings Defined 14 LIST OF TABLES Table 1 PCS vs. ink and backgroun
16、d Reflectance 9 ANSI X9.100-302011 (R2017) 2017 ASC X9, Inc. All rights reserved v 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 developer. Consensus is
17、 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 views and objection
18、s 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, or using prod
19、ucts, 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 interpretation
20、 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 on the title page of this standard. CAUTION NOTICE: This American National Standard may be revised or withdrawn
21、 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, Incorporated Financial Industry Standards 275 West
22、 Street, Suite 107 Annapolis, MD 21401 USA X9 Online http:/www.x9.org Copyright 2017 ASC 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. Published in the United
23、 States of America. ANSI X9.100-302011 (R2017) vi 2017 ASC X9, Inc. All rights reserved Introduction NOTE: The users attention is called to the possibility that compliance with this standard may require use of an invention covered by patent rights. By publication of this standard, no position is tak
24、en with respect to the validity of this claim or of any patent rights in connection therewith. The patent holder has, 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 licen
25、se. Details may be obtained from the standards developer. It has been approximately eighteen years since the first publication of this standard as ANS X9.7 including its Annexes which provide for the optical measurement methodologies of reflectance and PCS. New commercial technologies for printing c
26、hecks have emerged over that time period. In addition to the older technologies of letterpress, offset lithography and impact printing, newer technologies involving non-impact printing based on electro-photography, electron beam imaging printing, and thermal transfer printing are currently used to p
27、rint checks or selected fields on checks. Furthermore, a change is well underway to expand the use of an electronic check image in place of the paper check that then can be truncated as early as possible in the payment cycle. Electronic imaging of checks places new requirements on the design of chec
28、ks and the measurement of reflectance, Print Contrast Signal (PCS), and Dynamic Contrast Ratio (DCR) so that they are readily legible when viewing the image of a document rather than the document itself. Checks properly designed for imaging assure that all vital information will be captured by the i
29、maging process, that the images will be usable and legible, and that the file sizes of images will be low enough so that they can be stored and moved in a cost efficient manner. This standard which separates the measurement methods from the actual specification values is the result of an extensive c
30、ooperative effort by representatives from financial institutions, check printers, business form manufacturers, software suppliers, and manufacturers of various types of processing and test equipment for the financial industry. Suggestions for the improvement or revision of this Standard are welcome.
31、 They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, 275 West Street, Suite 107 Annapolis, MD 21401 USA. This Standard was processed and approved for submittal to ANSI by the Accredited Standards Committee on Financial Services,
32、 X9. Committee approval of the Standard does not necessarily imply that all the committee members voted for its approval. ANSI X9.100-302011 (R2017) 2017 ASC X9, Inc. All rights reserved vii At the time this standard was approved, the X9 committee had the following members: Roy C. DeCicco, X9 Chairm
33、an Claudia Swendseid, X9 Vice Chairman Steve Stevens, X9 Executive Director Janet Busch, Managing Director Isabel Bailey, X9 Membership Services Manager Organization Represented Representative ACI Worldwide Mr. Doug Grote Advance Auto Parts Anthony Johnson American Bankers Association .Ms. C. Diane
34、Poole American Express Company Mr. Ted Peirce Apriva Len Sutton BAFT/IFSA Joseph Pawelczyk Bank of America .Daniel Welch Certicom CorporationDaniel Brown Citigroup, Inc. Karla McKenna CUSIP Service Bureau .James Taylor Deluxe Corporation .Ralph Stolp Department of the Treasury, Office of Financial.
35、Michael Donnelly Department of the Treasury, Office of Financial. Bill Nichols Diebold, Inc. Bruce Chapa Discover Financial Services .Michelle Zhang Federal Reserve Bank Claudia Swendseid First Data Corporation Rick Van Luvender Fiserv Dan Otten FIX Protocol Ltd - FPL Mr. Jim Northey Gilbarco Bruce
36、Welch Harland Clarke John McCleary Hewlett Packard Larry Hines IBM Corporation Todd Arnold Independent Community Bankers of America Mrs. Viveca Ware Ingenico John Spence ISITC .Tara Gonzales J.P. Morgan Chase .Roy DeCicco Key Innovations Scott Spiker KPMG LLP Mark Lundin MagTek, Inc. .Mr. Terry Bens
37、on MasterCard International Mr. Mark Kamers Metavante Image Solutions Stephen Gibson-Saxty National Association of Convenience Stores .Michael Davis National Security Agency .Paul Timmel NCR Corporation Steve Stevens RouteOne .Brad Rogers SWIFT/Pan Americas .Mrs. Juliette Kennel Symantec Corportatio
38、n .Slawek Ligier Symcor Inc. .Brian Salway TECSEC Incorporated Ed Scheidt The Bank of New York Mellon David Goldberg The Clearing House Sharon Jablon U.S. Bank Brian Fickling U.S. Securities and Exchange Commission .Matthew Reed ANSI X9.100-302011 (R2017) viii 2017 ASC X9, Inc. All rights reserved U
39、niversity Bank Stephen Ranzini USDA Food and Nutrition Service . Kathy Ottobre VeriFone, Inc. . Brad McGuinness VISA . Kim Wagner Wells Fargo Bank. Mark Tiggas Wincor Nixdorf Inc Ramesh Arunashalam XAC Automation Corporation Chuck Chagas XBRL US, Inc. Campbell Pryde At the time this standard was app
40、roved, the X9AB subcommittee on Payments had the following members: Daniel Welch, Chairman Jackie Pagn, Vice-Chairman John McCleary, Vice-Chairman Alan Thiemann, Vice-Chairman Susan Colles, Vice-Chairman Organization Represented Representative ACI Worldwide . Cindy Rink ACS, Government Solutions Mr.
41、 Pat Solitro ACS, Government Solutions Mr. Bill Kelly ACS, Government Solutions Mr. Chad Main Advance Auto Parts . Anthony Johnson All My Papers . Larry Krummel All My Papers . Ray Higgins American Bankers Association Tom Judd American Bankers Association Ms. C. Diane Poole American Bankers Associat
42、ion Steve Kenneally American Express Company . Vicky Sammons American Express Company . David Armes American Express Company . Eric Eldridge American Express Company . Dr. Farid Hatefi American Express Company . John Timar Apriva . Paul Coppinger AQ2 Technologies LLC Bryan Ellis AQ2 Technologies LLC
43、 Mr. Shawn Box BancTec, Inc. . Mr. David Hunt BancTec, Inc. . Mr. Russ Andrews BancTec, Inc. . Mr. Peter Caporal Bank of America . Daniel Welch Bank of America . Andi Coleman Burroughs Payments Systems, Inc David J. Concannon Burroughs Payments Systems, Inc Navnit Shah Certicom Corporation . Daniel
44、Brown Citigroup, Inc. . Karla McKenna Citigroup, Inc. . Michael Knorr Citigroup, Inc. . Rene Schuurman Citigroup, Inc. . Dr. Chii-Ren Tsai Compass Bank . Jan Cole Compass Bank . Mark Pynes Custom Data Processing, Inc Anthony Davis Custom Data Processing, Inc Mr. Johnny Sena Davis 400 nanometers is p
45、erceived as deep blue, 550 nanometers is yellow-green, and 700 nanometers is deep red. 4.15 ICR (NA) See intelligent character recognition (ICR) 4.16 imaging (X9.100-110/X9.7) A system based on monochrome scanning of checks, processing discrete picture elements to remove data redundancy, followed by
46、 compression and storage of the image data. Images can be retrieved, decompressed, and displayed on image work stations or printed on a printer either locally or remote to the storage site. 4.17 intelligent character recognition (ICR) (X9.100-110/X9.7) Algorithms used to provide character or symbol
47、recognition from the captured or stored image data. 4.18 magnetic ink character recognition (MICR) (X9.100-20) The common machine language specification for the paper-based payment transfer system. It consists of magnetic ink printed characters of a special design, called the E-13B font that can be
48、recognized by high speed magnetic recognition equipment. 4.19 opacity (X9.100-10) The extent to which a document obstructs light transmission. A high opacity minimizes the show-through from the back. Opacity is expressed as 100 times the ratio of reflectance measured using a black backing to the ref
49、lectance measured using a white backing. ANSI X9.100-302011 (R2017) 4 2017 ASC X9, Inc. All rights reserved 4.20 optical character recognition (OCR) (X9.100-20) A technology that uses optical sensing to achieve machine readability of the E-13B font on MICR documents. 4.21 paxel (X9.100-110/X9.7) A group of black pixels (equal to or more than 6 of 9) in a binary image, measuring 0.010 inch x 0.010 inch (0.25mm x 0.25mm) square, that is the smallest dark area of background clutter that has been determined to affect the legi
