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1、American National Standard for Financial Services X9.100-160-2-2004 Placement and Location of Magnetic Ink Printing (MICR) Part 2: EPC Field Use Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: 10/15/2004 American National Standards Institute ASC X9, Inc. A
2、ll rights reserved Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from IHS -,-,- Copyright American National S
3、tandards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.100-160-2-2004 ASC X9, Inc. All rights reserved 1 Contents Page Forewo
4、rd. 3 Introduction 4 1 Scope . 7 2 Normative references. 7 3 Terms and definitions. 7 3.1 character (MICR) (ANS X9.27/X9.100-20) 7 3.2 character space (MICR) (ANS X9.100-160-1/X9.13) . 7 3.3 E-13B (ANS X9.27/X9.100-20). 8 3.4 external processing code (EPC) (ANS X9.100-160-1/X9.13). 8 3.5 external pr
5、ocessing code field (EPC field) (ANS X9.100-160-1/X9.13) 8 3.6 fixed format (ANS X9.100-160-1/X9.13). 8 4 General. 8 4.1 EPC code use 8 4.2 EPC composition 8 5 EPC assignment 8 5.1 New requests for EPC 8 5.2 Approval process for new usage requests 9 5.3 Withdrawal of EPC 9 5.4 Reassignment of EPC. 9
6、 6 EPC usage. 9 6.1 Character 1 1 9 6.2 Character 2 2 9 6.3 Character 3 3 9 6.4 Character 4 4 10 6.5 Character 5 5 10 6.6 Character 6 6 10 6.7 Character 7 7 10 6.8 Character 8 8 10 6.9 Character 9 9 10 6.10 Character 0 0 10 Copyright American National Standards Institute Provided by IHS under licens
7、e with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.100-160-2-2004 2 ASC X9, Inc. All rights reserved Copyright American National Standards Institute Provided by IHS und
8、er license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.100-160-2-2004 ASC X9, Inc. All rights reserved 3 Foreword Approval of an American National Standard require
9、s 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 been reached by directly and materially a
10、ffected 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 National Standards is completely voluntary;
11、 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 Institute does not develop standards and will
12、 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 for interpretation should be addressed t
13、o 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 taken to reaffirm, revise, or withdraw this
14、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 www.x9.org Copyright 2004 ASC X9, Inc. All rights reserved. No part of this publication may be reprod
15、uced in any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. Published in the United States of America. Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/996103110
16、0 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.100-160-2-2004 4 ASC X9, Inc. All rights reserved Introduction This publication is, in part, a revision of American National Standard Specifications for Placement and Location of MI
17、CR Printing, X9.13 - 1999. This part covers material previously published as ANS X9.13, normative Annex A, External Processing Code (EPC). The material presented in this standard is a result of the combined efforts of financial institutions, check printers, business forms manufacturers, software sup
18、pliers and manufacturers of processing and test equipment for the financial services industry. It is important to note that ASC X9 is responsible for the assignment of EPC digits for specific future applications as well as the monitoring of their use within the check processing community. It is expe
19、cted that printers of checks will continue to exercise careful concern for all of the considerations specified in this standard in order to ensure maximum performance and continued success. Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Commit
20、tee 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 does not
21、necessarily imply that all the committee members voted for its approval. The X9 committee had the following members: Gene Kathol, X9 Chairman Vincent DeSantis, X9 Vice-Chairman Cynthia Fuller, Executive Director (Secretariat) Isabel Bailey, Managing Director Organization Represented Representative A
22、CI Worldwide.Jim Shaffer American Express Company.Mike Jones American Financial Services AssociationMark Zalewski Bank of America.Daniel Welch Bank One Corporation Jacqueline Pagan BB and TWoody Tyner Citigroup, IncDaniel Schutzer Deluxe CorporationJohn Fitzpatrick Diebold, IncBruce Chapa Discover F
23、inancial Services.John Mills eFunds Corporation.Cory Surges Federal Reserve Bank.Dexter Holt First Data Corporation.Gene Kathol Fiserv.Bud Beattie Hewlett Packard.Larry Hines Hypercom.Scott Spiker IBM Corporation.Todd Arnold Igenico.John Sheets JPMChase BankRobert Blair Copyright American National S
24、tandards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.100-160-2-2004 ASC X9, Inc. All rights reserved 5 KPMG LLP.Alfred F. V
25、an Ranst Jr. Mag-Tek, IncCarlos Morales MasterCard International.William Poletti Mellon Bank, N.A.David Taddeo National Association of Convenience Stores.John Hervey National Security Agency Sheila Brand NCR Corporation.David Norris NEC Solutions (America).Michael Versace SavvisKevin M. Nixon Star S
26、ystems, Inc.Michael Wade The Clearing House.Vincent DeSantis Unisys CorporationDavid J. Concannon University BankStephen Ranzini VECTORsgi.Ron Shultz VeriFone, IncBrad McGuinness. VISAPatricia Greenhalgh Wachovia BankRay Gatland Wells Fargo Bank.Ruven Schwartz The X9B Committee had the following mem
27、bers: Christopher Dowdell, X9B Chairman Curt Siroky, X9B Vice Chairman Daniel Welch, X9B Vice Chairman All My Papers.Larry Krummel American Express Company.Mike Jones American Financial Services AssociationMark Zalewski BancTec, Inc.David Hunt .Peter Corporal Bank of America.Daniel Welch Bank One Co
28、rporation Jacqueline Pagan BB and TWoody Tyner Boise Paper Solutions.Jim Moore Carreker.Don Harman Check Clear, LLC.Mark Craig .Steve Gibson-Saxty Clarke American Checks, IncJohn W. McCleary .Donna Frye ClearWave ElectronicsMark Ross Davis & HendersonDragan Calusic Deluxe CorporationJohn Fitzpatrick
29、 Diebold, IncBruce Chapa .Laura Drozda ECCHOPhyllis Meyerson Federal Reserve Bank.Dexter Holt First Data Corporation.Gene Kathol .Pam Carter Fiserv.Lori Hood William Saffici Hypercom.Scott Spiker Igencio.Russ Dhooge IBM Corporation.Andrew Sutton John H Harland Company.Curt Siroky Liberty Enterprises
30、, IncRichard Pliml MagTek, Inc.Jeff Duncan .Carlos Morales Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from
31、 IHS -,-,- ANS X9.100-160-2-2004 6 ASC X9, Inc. All rights reserved Mellon Bank, N.A.David Schaper MICR Tech, IncPhil Righler National Security Agency Sheila Brand NACHA - The Electronic Payments AssociationNancy Grant NCR Corporation.David Norris Nexpress Digital, L.L.C.Aaron Lazar New England Busi
32、ness Service.Barry Green Oc Printing SystemsTony Ribeiro OrbographDave Kliewer Paychex Inc.Carl Tinch PiracleLynn Shimada RDM Corporation.Peter Hanna .Tom Hayosh Relizon.Mel Stephenson Relyco Sales IncMichael Steinberg .Christopher Dowdell Reynolds and Reynolds Co.Julie Roth Rosetta TechnologiesJim
33、Maher Silver Bullet Technology, Inc.Bryan Clark SolutranCarmen Nordstrum Source Technologies Inc.Wally Burlingham Standard Register Company.Melissa Barnes .Russell Hill Star Systems, Inc.Michael Wade The Clearing House.Susan Long .Guy Gulbin TMS Sequoia.Elspeth Bloodgood TWS Systems, Inc.Brad Palser
34、 Unisys CorporationDavid J. Concannon VECTORsgi.Ron Shultz Xerox CorporationFrank Bov Wachovia BankRay Gatland .Andrew Garner XeroxFrank Bov Zions Bancorporation.Pamela Wallis The X9B7 MICR Specifications editorial group, which made significant contributions to the development of this standard, had
35、the following members: Daniel Welch, Chairman, Bank of America Richard Pliml, Recording Secretary, Liberty Enterprises, Inc. Organization Representative Carreker.Don Harman Clarke American Checks, Inc.John W. McCleary John H. Harland Company.Curt Siroky RDM Corporation.Tom Hayosh NACHA - The Electro
36、nic Payments Association.Nancy Grant Wachovia BankAndy Garner ECCHOPhyllis Meyerson Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permi
37、tted without license from IHS -,-,- ANS X9.100-160-2-2004 ASC X9, Inc. All rights reserved 7 1 Scope Part 2 of this standard establishes external processing code (EPC) assignments and management, and specifies the MICR characters approved for use in the U.S. Payments System. 2 Normative references T
38、he following referenced documents are indispensable for the application of this document. For dated references, only the edition cited applies. For undated references, the latest edition of the referenced document (including any amendments) applies. ANS X9.7-19991, Bank Check Background and Convenie
39、nce Amount Field Specification ANS X9.27-20002, Print and Test Specifications for Magnetic Ink Printing (MICR) ANS X9.4019983, Check Correction Strip Specification ANS DSTU X9.85-20034, Specifications for Automated Identification of Security Features ANS X9-100-140-2004, Specifications for an Image
40、Replacement Document IRD ASC X9/TG-100-2003, Organization of Standards for Paper-based and Image-based Payments Federal Reserve Regulation CC: Section 229.30-31-Paying Banks Responsibility for Return of Checks and Section 229.51-General Provisions Governing Substitute Checks 3 Terms and definitions
41、3.1 character (MICR) (ANS X9.27/X9.100-20) Any of the ten numerals or four special symbols comprising the MICR type font known as E-13B. 3.2 character space (MICR) (X9.13/ANS X9.100-160-1/X9.13) A 0.125 inch space in the MICR print band within which one MICR character may appear. 1 At the time of th
42、is publication, a work effort is being organized to update ANS X9.7. Once that revision is completed, the correct reference will be ANS X9.100-110. 2 At the time of this publication, ANS X9.27 is under revision. Once that revision is completed, the correct reference will be ANS X9.100-20. 3 At the t
43、ime of this publication, ANS X9.40 is under revision. Once that revision is completed, the correct reference will be ANS X9.100-151. 4 If approved, DSTU X9.85 will be adopted as ANS X9.100-171. The DSTU will expire in 2005. Copyright American National Standards Institute Provided by IHS under licens
44、e with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/09/2007 01:00:24 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.100-160-2-2004 8 ASC X9, Inc. All rights reserved 3.3 E-13B (ANS X9.27/X9.100-20) A special type font consisting of t
45、en numerals and four special symbols, developed for magnetic ink character recognition. 3.4 external processing code (EPC) (ANS X9.13/X9.100-160-1/X9.13) A MICR digit that conveys special information regarding the correct handling or routing of a check or check data by financial institutions and oth
46、er processors. 3.5 external processing code field (EPC field) (ANS X9.13/X9.100-160-1/X9.13) An optional, single digit field located to the left of the routing field on a check. The EPC field is used for special purposes as authorized by ASC X9. 3.6 fixed format (ANS X9.13/X9.100-160-1/X9.13) A term
47、 applied to the required and optional fields for which the location, digit sequence and structure are completely specified. 4 General Part Two of this standard accommodates U. S. Payments System interoperability through the usage of the EPC field to convey check processing information for applications or processes such as electronification, returns, and security. Use of the EPC Field represents participation by the issuing financi