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1、 ANS X9.7 1999(R2007) American National Standard for Financial Services ANSI X9.7 - 1999(R2007) Bank Check Background and Convenience Amount Field Specification Secretariat: Accredited Standards Committee X9, Inc. Approved: Approved: July 11, 2007 American National Standards Institute Copyright Amer
2、ican National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.7 1999(R2007) Contents PART I - SPECIFICATIONS 1 1 SCOPE1
3、1.1 SCOPE1 1.2 PURPOSE1 1.3 INTRODUCTION2 2 REFERENCES.3 TERMS AND DEFINITIONS 3 4 DATA ELEMENTS - CHECK DOCUMENT DESIGN7 4.1 CONVENIENCE AMOUNT AREA DATA ELEMENTS FOR MINIMUM SIZE CHECK (PERSONAL) FORMAT7 4.1.1 Convenience Amount Scan Area (Personal Sized Checks)7 4.1.2 Convenience Amount Rectangle
4、 (Personal Sized Checks) 7 4.1.3 Convenience Amount Clear Area (Personal Sized Checks).10 4.1.4 Dollar Symbol (Personal Sized Checks)12 4.1.5 Convenience Amount Data (Personal Sized Checks) 12 4.2 CONVENIENCE AMOUNT AREA DATA ELEMENTS FOR LARGE SIZE CHECK (BUSINESS) FORMAT14 4.2.1 Convenience Amount
5、 Scan Area (Business Size Checks)14 4.2.2 Convenience Amount Rectangle (Business Size Checks).14 4.2.3 Convenience Amount Clear Area (Business Size Checks).17 4.2.4 Preprinted Dollar Symbol (Business Size Checks)19 4.2.5 Machine Printed Dollar Symbol (Business Size Checks).19 4.2.6 Machine Printed C
6、onvenience Amount (Business Size Checks)20 4.3 AREAS OF INTEREST (ALL CHECKS).20 4.3.1 Amount In Words.20 .21 4.3.2 Date .21 4.3.3 Payee Line .22 4.3.4 Signature(s) .22 4.4 MICR CLEAR BAND AND OPTICAL CLEAR BAND22 4.5 BANK NAME23 4.6 OTHER DATA ELEMENTS23 4.7 PRINTED BORDERS.23 4.8 ENDORSEMENT DATA2
7、4 5 REFLECTANCE, PCS, AND DCR REQUIREMENTS24 5.1 GENERAL.24 5.2 BACKGROUND REFLECTANCE AND PCS VS. AVERAGE AREA REFLECTANCE AND PAXEL COUNT.25 5.2.1 Backgrounds on Plain, Safety Tinted, Patterned, and Scenic Checks.25 5.3 BACKGROUND REFLECTANCE AND PCS SPECIFICATIONS FOR ALL CHECKS.28 5.4 AVERAGE AR
8、EA REFLECTANCE AND PAXEL COUNT FOR ALL CHECKS.28 5.5 PRE-PRINTED AND PRINTED DATA SPECIFICATIONS29 5.5.1 General30 5.5.2 Pre-printed Data Specification30 5.5.3 Printed Data Guideline30 i Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/11
9、11111001, User=Japan, IHS Not for Resale, 12/17/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.7 1999(R2007) 6 SECURITY AND FRAUD CONSIDERATIONS.30 PART II - CONFORMANCE TESTING32 1 PURPOSE.32 2 REFERENCES.32 3 DEFINITIONS.32 4 ACCEPTANCE SAMPLING METH
10、ODS (INFORMATIONAL)32 5 CONFORMANCE TESTING FOR MECHANICAL REQUIREMENTS - DATA ELEMENTS AND PRINTED BORDERS OF THE PAYMENT DOCUMENT.33 5.1 TEST EQUIPMENT AND ITS APPLICATION.33 5.2 CONVENIENCE AMOUNT SCAN AREA (PART I, CLAUSE 4.1.1 AND 4.2.1).33 5.3 CONVENIENCE AMOUNT RECTANGLE (PART I, CLAUSE 4.1.2
11、 AND 4.2.2)40 5.4 CONVENIENCE AMOUNT CLEAR AREA (PART I, CLAUSE 4.1.3 AND 4.2.3).40 5.5 DOLLAR SYMBOL (PART I, CLAUSE 4.1.4, 4.2.4, AND 4.2.5)40 5.6 AMOUNT IN WORDS (PART I, CLAUSE 4.3.1)42 5.7 BANK NAME (PART I, CLAUSE 4.3.2).42 5.8 DATE (PART I, CLAUSE 4.3.3)42 5.9 MICR CLEAR BAND (PART I, CLAUSE
12、4.3.4).42 5.10 PAYEE LINE RESTRAINT (PART I, CLAUSE 4.3.5).42 5.11 SIGNATURE(S) AND MEMO LINES (PART I, CLAUSE 4.3.6 AND 4.3.7).42 5.12 PAYOR DATA (PART I, CLAUSE 4.3.7).42 5.13 PRINTED BORDERS (PART I, CLAUSE 5.6)42 5.14 ENDORSEMENT DATA (PART I, CLAUSE 4.5).43 6 CONFORMANCE TESTING FOR OPTICAL REQ
13、UIREMENTS - REFLECTANCE, PRINT CONTRAST SIGNAL (PCS), AND PAXEL COUNT (PART I, CLAUSE 5).44 6.1 TEST EQUIPMENT AND ITS APPLICATION44 6.2 REFLECTANCE, PCS AND PAXEL COUNT MEASUREMENTS (PART 1, SECTION 5).44 6.3 PRE-PRINTED AND PRINTED DATA SPECIFICATIONS (PART I, CLAUSE 5.5)49 6.4 PRINTED BORDERS (PA
14、RT I, CLAUSE 5.6) 49 7 AREAS OF INTEREST49 7.1 DATE AREA OF INTEREST.49 7.2 PAYEE AREA OF INTEREST.50 7.3 LEGAL AMOUNT AREA OF INTEREST50 7.4 SIGNATURE AREA OF INTEREST.50 A1 COLOR MEASUREMENT SYSTEMS52 A1.1 MEASUREMENT SYSTEM FOR COLORS.52 A1.2 REFLECTANCE.53 A1.3 PRINT CONTRAST SIGNAL.53 A2 COLORS
15、 OF PRINTED DATA, CONVENIENCE AMOUNT RECTANGLE AND BACKGROUND54 A2.1 BACKGROUND COLORS.54 A2.2 CONVENIENCE AMOUNT RECTANGLE PCS54 A2.3 DOLLAR SYMBOL54 ii Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for
16、 Resale, 12/17/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.7 1999(R2007) A3 DROPOUT INK COLORS 55 A4 APPLICATION PERFORMANCE IMPROVEMENTS55 B1 RDM IMAGE QUALIFIER 97 59 B1.1 INTRODUCTION59 IMAGE READINESS EXPLAINED.60 MEASUREMENT BASICS.60 B1.2 AUTO
17、MATIC ANS X9.7 LEGIBILITY MEASUREMENT USING A DC IMAGE.61 B1.3 AUTOMATIC CAR (CONVENIENCE AMOUNT RECTANGLE) PCS AND REFLECTANCE EVALUATION: .62 B1.4 MANUAL SPOT REFLECTANCE, SPOT PCS AND PCS MAPPING63 B1.4 CAUTIONARY NOTE FOR SPOT PCS AND PCS MAPPING64 B2 PROCEDURE FOR SPOT AND AUTOMATIC AVERAGING M
18、EASUREMENTS OF REFLECTANCE AND PCS USING THE CLEARWAVE O82 SERIES OF OPTICAL CHARACTER TESTERS.65 B2.1 INTRODUCTION65 B2.2 APPLICATION.65 B2.3 PCS SPOT MEASUREMENT65 B2.4 REF SPOT MEASUREMENT65 B2.5 SCAN AVERAGING.66 B3 PROCEDURES FOR USING THE MACBETH PCM II.66 B3.1 GENERAL.66 B3.2 CALIBRATION CHEC
19、KS67 B3.2.1 Daily Calibration Check67 B3.2.2 Factory Calibration.67 B3.3 REFLECTANCE MEASUREMENTS67 B3.4 PCS COMPUTATION68 C SPECIFICATION FOR AN IMAGE BASED DOCUMENT ANALYSIS SYSTEM.69 C1 GENERIC SPECIFICATION FOR AN ANS X9.7 IMAGE BASED DOCUMENT ANALYSIS SYSTEM FOR DETERMINATION OF LEGIBILITY, INC
20、LUDING AVERAGE REFLECTANCE, DC IMAGE AND PAXEL COUNT FUNCTIONALITY.69 C1.1 SCANNING SYSTEM SPECIFICATION.69 C1.2 DYNAMIC CONTRAST IMAGE SPECIFICATION69 C1.3 AVERAGE REFLECTANCE SPECIFICATION (RB)70 C1.4 PAXEL SPECIFICATION.70 C1.5 PAXEL COUNT SPECIFICATION70 D1 CONVERSION TABLE.73 iii Copyright Amer
21、ican National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.7 1999(R2007) Table of Figures PART 1 FIGURE 1A SCAN AREA
22、LOCATION-PERSONAL SIZE CHECK. 8 FIGURE 2A CONVENIENCE AMOUNT RECTANGLE AND CLEAR AREA-PERSONAL SIZE CHECK 8 FIGURE 3A EXAMPLES OF AMOUNT RECTANGLE LOCATION INSIDE AREA-PERSONAL SIZE CHECK. 9 FIGURE 4A ACCEPTABLE DESIGN VARIATIONS FOR THE AMOUNT RECTANGLE PERSONAL SIZE CHECK.11 FIGURE 5 PRE-PRINTED D
23、OLLAR SIGN LOCATION TOLERANCES. 13 FIGURE 6 PRE-PRINTED DOLLAR SIGN DESIGN.13 FIGURE 1B SCAN AREA LOCATION-BUSINESS SIZE CHECK.15 FIGURE 2B CONVENIENCE AMOUNT RECTANGLE AND CLEAR AREA- BUSINESS SIZE CHECK .15 FIGURE 3B EXAMPLES OF AMOUNT RECTANGLE LOCATION INSIDE SCAN AREA .16 FIGURE 4B ACCEPTABLE D
24、ESIGN VARIATIONS FOR THE AMOUNT RECTANGLE BUSINESS SIZE CHECK18 FIGURE 7 CHECK AREAS OF INTEREST .21 FIGURE 8 PAYEE LINE RESTRAINT22 FIGURE 9 LIMITS FOR NON-MAGNETIC PRINTING WITHIN THE MICR CLEAR BAND.24 FIGURE 10 EXAMPLE OF A PLAIN COLORED DOCUMENT.26 FIGURE 11 EXAMPLE OF A SAFETY TINTED/PATTERENE
25、D DOCUMENT26 FIGURE 12 EXAMPLE OF A SCENIC CHECK27 PART 2 FIGURE 1 MICR POSITION AND DIMENSION GAUGE.34 FIGURE 2 CONVENIENCE AMOUNT SCAN AREA.35 FIGURE 3 CONVENIENCE AMOUNT RECTANGLE 36 iv Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/
26、1111111001, User=Japan, IHS Not for Resale, 12/17/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.7 1999(R2007) FIGURE 4 EXAMPLES OF AMOUNT RECTANGLE LOCATION INSIDE SCAN AREA 37 FIGURE 5 ACCEPTABLE DESIGN VARIATIONS FOR THE AMOUNT RECTANGLE. 38 FIGURE
27、6 CONVENIENCE AMOUNT CLEAR AREA 39 FIGURE 7 LIMITS FOR NON-MAGNETIC PRINTING WITHIN THE MICR CLEAR BAND . 43 FIGURE 8 MEASUREMENT OF REFLECTANCE AND PCS 46 ANNEX A FIGURE A1 RELATIVE SPECTRAL LUMINANCE RESPONSE FOR PHOTOPIC VISION. 57 ANNEX C FIGURE C1 DYNAMIC THRESHOLDING FROM A BIT MAP. 71 FIGURE
28、C2 PIXELS, PAXELS AND PAXEL STRINGS DEFINED . 72 v Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,-
29、ANS X9.7 1999(R2007) List of Tables PART 1 TABLE 1 SPECIFICATIONS 29 TABLE 2 REFLECTANCE OF BACKGROUND VS. REFLECTANCE OF PRINTED DATA FOR PCS OF 0.60. 31 PART 2 TABLE 5-1 DOLLAR SIGN CHARACTERISTICS 41 ANNEX A TABLE A1 PCS VS. INK AND BACKGROUND REFLECTANCE 58 ANNEX D TABLE D1 CONVERSION TABLE. 73
30、vi Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.7 1999(R2007) Foreword This foreword is n
31、ot part of American National Standard X9.7 Specifications for Check Documents, but is provided to note the working group history and other information. It has been approximately twenty-five years since the first publication of this standard. When it was last published in 1999 it included minor enhan
32、cements to the previous publication. Before then, the inclusion of specifications and requirements to support image capture check processing platforms was so timely that financial institutions have been able to invoke this standard when requiring the printing of image compatible checks. This standar
33、d is what we refer to in ANSI vernacular as a reaffirmation. This standard (reaffirmed and as last published) already provides the necessary specifications and requirements for designing and printing “image-friendly” checks. In fact, extensive research and hands-on investigations by the Work Group X
34、9B11 have determined that the majority of faulty check images are not derived from checks compliant with this standard. The major challenge to populating the US Payments System with image compatible checks is two-fold: education of those responsible for designing and implementing checks (those not a
35、dhering to this standard) and those who choose to not follow the specifications and requirements of ANS X97. The areas WG X9B11 seeks to address for additions and revisions of the next publication of this standard are additions and enhancements that will support the US Payments System electronificat
36、ion efforts moving forward. ANSI requirements mandate that any standard published shall have either a reaffirmation or a revision after (or during) a five-year period. This standard is a reaffirmation of specifications and requirements that have and continue to support properly designed and manufact
37、ured checks for automated and image processing environments. WG X9B11 will continue their work for additions and enhancements that will assure that X9B continues to be part of the solution as the US Payments System electronification efforts move forward. The new standard will be published as two sep
38、arate standards. 1. ANS X9.100-110, Specification for Check Documents and, 2. ANS X9.100-30, Optical Specifications for MICR Documents. vii Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17
39、/2007 21:46:47 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.7 1999(R2007) 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 standa
40、rd, no position is taken 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
41、to obtain such a license. Details may be obtained from the standards developer. Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, P.O. Box 4035, Annapol
42、is, 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 does not necessarily imply that all the committee members voted for its approval. At the time it approved this standard
43、 the X9 Committee had the following members: The X9 committee had the following members: Gene Kathol, X9 Chairman Vincent DeSantis, X9 Vice-Chairman Cynthia Fuller, Executive Director Isabel Bailey, Managing Director ORGANIZATION NAME Acxiom Thomas Gurry All My Papers Larry Krummel American Bankers
44、Association C. Diane Poole American Financial Services Association Mark Zalewski BancTec, Inc. David Hunt Bank of America Daniel Welch Boise Paper Solutions John Claflin Carreker Don Harman Certicom Corporation Daniel Brown Check Site, Inc. Trevor Kensey CheckTech Financial Corporation Don Brannigan
45、 Citigroup, Inc. Daniel Schutzer Clarke American Checks, Inc. John W. McCleary ClearWave Electronics Mark Ross Compass Bank Kirk Maze Davis 400 nanometers is perceived as deep blue, 550 nanometers is yellow-green, and 700 nanometers is deep red. 3.22 ICR (ANS X9.7/X9.100-110) See intelligent charact
46、er recognition (ICR) 3.23 imaging (ANS X9.7/X9.100-110) A system based on monochrome scanning of checks, processing discrete picture elements to remove data redundancy, followed by compression and storage of the image data. Images can be retrieved, decompressed, and displayed on image work stations
47、or printed on a printer either locally or remote to the storage site. 3.24 intelligent character recognition (ANS X9.7/X9.100-110) Algorithms used to provide character or symbol recognition from the captured or stored image data. 3.25 leading edge (ANS X9.100-160-1/X9.13) The right edge of a documen
48、t when its face is viewed. 3.26 magnetic ink character recognition (MICR) (ANS X9.27/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 recognized by high speed magnetic recognition equipment. 3.27 MICR clear band (ANS X9.27/X9.100-20) See clear band (MICR) 3.28 MICR print band (ANS X9.27/X9.100-20) See print band (MICR) 3.29 OCR (ANS X9.27