ANSI ASC X9 X9.100-40-1-2008 Specifications for Check Image Tests Part 1 Definition of Elements and Structures for Check Image Tests.pdf

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1、 1999 All rights reserved 1 American National Standard for Financial Services ANSI X9.100-40-1-2008 (R2017) Specifications for Check Image Tests Part 1: Definition of Elements and Structures for Check Image Tests Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Appro

2、ved: October 16, 2008 Reaffirmed: October 11, 2017 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 without e

3、xpress 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. ANS X9.100-40-1-2008 (R2017) ii 2017 All rights reserved Contents Figures iv Foreword vi Introduction . vii 1 Scope 1 2 No

4、rmative References . 1 3 Terms and Definitions . 1 4 ASC X9 Applicable Check Standards 2 5 Character Data Type Specifications 2 5.1 Basic Character Type Definitions 2 5.1.1 Alphabetic Characters (A) 2 5.1.2 Numeric Characters (N) 3 5.1.3 Special Printable Characters (S) 3 5.2 Basic Character Type Su

5、mmary 3 6 Image Quality Process Overview . 3 7 Use of Check Image Test Standard and X9 Registry for Check Image Tests . 3 8 Check Image Test Methodology 5 9 Generic Elements and Structures for Check Image Tests 7 9.1 Structures for Check Image Tests . 7 9.2 Image Test Detail Structure 8 9.2.1 Image

6、Test Name . 8 9.2.2 Image Test Number . 9 9.2.3 Image Test Version 9 9.2.4 Image Test Method 9 9.2.5 Image Test Flag . 10 9.2.6 Image Test Results 10 9.2.7 Image Test Parameters . 11 9.2.8 User Image Test Data 12 9.3 Image Test Summary Structure . 12 9.3.1 Number of Image Tests . 13 9.3.2 Test Date.

7、 13 9.3.3 Test Time 13 9.3.4 Image Test Group 13 9.3.5 Test Organization ID Indicator . 14 9.3.6 Test Organization ID 14 9.3.7 Test Organization ID Modifier 15 9.3.8 Global Image Test Flag . 15 9.3.9 Image Test Supplier ID Indicator . 15 9.3.10 Image Test Supplier ID 16 9.3.11 Image Test Supplier ID

8、 Modifier . 17 9.3.12 User Field . 17 10 Data Conveyance in Related X9 Check Standards 17 11 X9 Registry for Check Image Tests . 17 ANSI X9.100-40-1-2008 (R2017) 2017 All rights reserved iii Annex A (Normative) Conveyance in XML-based X9 Check Standards . 20 A.1 XML Conveyance Using the Generic Cons

9、tructs Defined in Clause 9 20 Annex B (Informative) Sample Check Image Test Registry Entry . 22 Annex C (Informative) Sample Check Image Test Outcome 24 C.1 Conveyance in Record-Based X9 Exchange Standards 25 C.1.1 First Alternative Data String . 25 C.1.2 Second Alternative Data String 26 C.2 Convey

10、ance in XML-based X9 Check Standards . 26 C.2.1 Using the Generic Image Test Detail Structure Defined in Clause 9.2 . 26 ANS X9.100-40-1-2008 (R2017) iv 2017 All rights reserved Figures Figure 1 Check Image Test Components 4 Figure 2 Automated Check Image Test Model 6 Figure 3 Check Image Test Syste

11、m 6 Figure 4 Image Test Structure . 8 ANSI X9.100-40-1-2008 (R2017) 2017 All rights reserved v Tables Table 1 Character Definitions . 3 ANS X9.100-40-1-2008 (R2017) vi 2017 All rights reserved Foreword Approval of an American National Standard requires verification by ANSI that the requirements for

12、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 affected interests. Substantial agreement means mu

13、ch 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; their existence does not in any respect preclude

14、 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 in no circumstances give an interpretation of an

15、y 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 to the secretariat or sponsor whose name appears o

16、n 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 standard no later than five years from the date o

17、f approval. Published by: Accredited Standards Committee X9, Inc. Financial Industry Standards 275 West Street, Suite 107 Annapolis, Maryland 21401 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

18、retrieval system or otherwise, without prior written permission of the publisher. Published in the United States of America. ANSI X9.100-40-1-2008 (R2017) 2017 All rights reserved vii Introduction Note: The users attention is called to the possibility that check image tests defined in the X9 Registr

19、y for Check Image Tests may require use of an invention covered by patent rights. By publication of this standard, no position is taken with respect to the validity of claims or of any patent rights in connection with the registered check image tests in the X9 Registry for Check Image Tests. The X9

20、Patent Policy in the X9 Procedures requires that patent holders file a statement of willingness to grant a license under these rights on reasonable and non discriminatory terms and conditions to applicants desiring to obtain such a license. Holders of other Intellectual Property Rights in connection

21、 with the registered check image tests in the X9 Registry for Check Image Tests are required to file a statement in accordance with Annex B in ANS X9.100-40-1-2007. Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredit

22、ed Standards Committee X9, Inc., Financial Industry Standards, 275 West Street, Suite 107, Annapolis, Maryland 21401 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 necess

23、arily imply that all the committee members voted for its approval. At the time the standard was approved the X9 committee had the following members: Roy DeCicco, X9 Chair Angela Hendershott, X9 Vice Chair Steve Stevens, Executive Director Janet Busch, Program Manager Organization Represented Represe

24、ntative ACI Worldwide . Doug Grote American Bankers Association Diane Poole American Express Company . David Moore Bank of America Daniel Welch Bank of New York Mellon Arthur Sutton Blackhawk Network . Anthony Redondo Bloomberg LP Corby Dear Capital One Marie LaQuerre Citigroup, Inc. . Karla McKenna

25、 CLS Bank . Ram Komarraju Conexxus, Inc. . Gray Taylor CUSIP Service Bureau Gerard Faulkner Delap LLP Andrea Beatty Delap LLP Darlene Kargel Deluxe Corporation Angela Hendershott Diebold Nixdorf Bruce Chapa Discover Financial Services. Michelle Zhang eCurrency David Wen Federal Reserve Bank . Mary H

26、ughes First Data Corporation . Lisa Curry ANS X9.100-40-1-2008 (R2017) viii 2017 All rights reserved FIS Stephen Gibson-Saxty Fiserv Dan Otten FIX Protocol Ltd - FPL Jim Northey Futurex Ryan Smith Gilbarco Bruce Welch Harland Clarke John McCleary Hewlett Packard . Terence Spies IBM Corporation . Tod

27、d Arnold Independent Community Bankers of America Cary Whaley Ingenico Rob Martin ISARA Corporation . Alexander Truskovsky ISITC . Jason Brasile ITS, Inc. (SHAZAM Networks) Manish Nathwani J.P. Morgan Chase . Roy DeCicco KPMG LLP Mark Lundin MagTek, Inc. . Mimi Hart MasterCard Europe Sprl . Mark Kam

28、ers NACHA The Electronic Payments Association Priscilla Holland National Security Agency . Paul Timmel Nautilus Hyosung . Joe Militello NCR Corporation David Norris Office of Financial Research, U.S. Treasury Department Thomas Brown Jr. PCI Security Standards Council . Troy Leach RouteOne . Chris Ir

29、ving RouteOne . Jenna Wolfe State Street Corporation . Jason Brasile SWIFT/Pan Americas . Karin DeRidder SWIFT/Pan Americas . Frank Vandriessche Symcor Inc. . Debbi Fitzpatrick TECSEC Incorporated Ed Scheidt The Clearing House Sharon Jablon U.S. Bank John King U.S. Commodity Futures Trading Commissi

30、on (CFTC) . Robert Stowsky USDA Food and Nutrition Service Kathy Ottobre Vantiv LLC John Hall VeriFone, Inc. . Dave Faoro VISA Kim Wagner Wayne Fueling Systems . Steven Bowles Wells Fargo Bank . Mark Schaffer ANSI X9.100-40-1-2008 (R2017) 2017 All rights reserved ix The X9B Payments subcommittee had

31、 the following members: Daniel Welch, X9B Chairman John McCleary, X9B Vice Chairman Jackie Pagan, X9B Vice Chairman Organization Represented Representative All My Papers . Tony Fera All My Papers . Ray Higgins American Bankers Association Tom Judd American Bankers Association Steve Kenneally America

32、n Bankers Association Diane Poole American Express Company . Farid Hatefi American Express Company . kati Hausman American Express Company . John Timar BancTec, Inc. . Peter Caporal BancTec, Inc. . David Hunt Bank of America Andi Coleman Bank of America Kris Krogulecki Bank of America Lawrence LaBel

33、la Bank of America Greg Nixon Bank of America Craig Palmer Bank of America Cathy Tuntland Bank of America Daniel Welch Bank of New York Mellon Kevin Barnes Bank of New York Mellon Arthur Sutton BlackBerry Limited . Daniel Brown Blackhawk Network . Vijay Bolina Bloomberg LP Rich Robinson Bose . Rama

34、Bhardwaj Capital One Matthew Hines Capital One Marie LaQuerre Capital One Rick Mistr Capital One Eric Mull Capital One Sue Tyler Cipherithm Scott Spiker Citigroup, Inc. . Rajendra Agashe Citigroup, Inc. . Karla McKenna Citigroup, Inc. . Luis Meneses Citigroup, Inc. . Mahantesh Mukartihal Citigroup,

35、Inc. . Cathrine Reinecke Citigroup, Inc. . Rene Schuurman Citigroup, Inc. . La Donna White CLS Bank . Ram Komarraju Conduent . Jennifer Baur Conexxus, Inc. . Michael Davis Conexxus, Inc. . Gray Taylor Data Support Systems, Inc. . Matt Cunningham Deluxe Corporation Jason Clark Deluxe Corporation Ange

36、la Hendershott Deluxe Corporation Margiore Romay ANS X9.100-40-1-2008 (R2017) x 2017 All rights reserved Deluxe Corporation . Andy Vo Diebold Nixdorf . Bruce Chapa Diebold Nixdorf . Thomas VanKirk Discover Financial Services . Cheryl Mish Discover Financial Services . Gordon Searle Discover Financia

37、l Services . Brenda Tobias Discover Financial Services . Michelle Zhang ECCHO . Ellen Heffner ECCHO . Jenny Johnson ECCHO . Phyllis Meyerson eCurrency . David Wen Federal Reserve Bank Todd Albers Federal Reserve Bank Guy Berg Federal Reserve Bank Amanda Dorphy Federal Reserve Bank Mary Hughes Federa

38、l Reserve Bank Heather Hultquist Federal Reserve Bank Mark Kielman Federal Reserve Bank Janet LaFrence Federal Reserve Bank Patti Ritter Federal Reserve Bank Daniel Rozycki Fifth Third Bank Craig Jones Fifth Third Bank Rosie Meyer Fifth Third Bank Juan Munoz Fifth Third Bank Jerry Poe Fifth Third Ba

39、nk Jonathan Taylor Fifth Third Bank Mark Woodward First Data Corporation Randall Rieth First Data Corporation Theodore Sanchious First Data Corporation Kerry Sellen FIS Denise Bender FIS Stephen Gibson-Saxty Fiserv Edward Hanna Fiserv Allen Heimerdinger Fiserv Lori Hood Fiserv Karen Jackson Fiserv R

40、ichie James Fiserv Dan Otten Harland Clarke John McCleary Huntington Bank . Patrick Hornyak IBM Corporation . Todd Arnold IBM Corporation . Rod Moon IBM Corporation . Andrew Sutton Independent Community Bankers of America Cary Whaley ISITC . Steve Goswell iStream Imaging/Bank of Kenney . Mike McGuir

41、e J.P. Morgan Chase . Clinton Jones J.P. Morgan Chase . Jackie Pagn J.P. Morgan Chase . David Roach J.P. Morgan Chase . Matthew Williams MagTek, Inc. . Jeff Duncan MasterCard Europe Sprl . Leland Englebardt MasterCard Europe Sprl . Kevin Maxham MasterCard Europe Sprl . Iain Young NACHA The Electroni

42、c Payments Association Priscilla Holland National Security Agency . Paul Timmel ANSI X9.100-40-1-2008 (R2017) 2017 All rights reserved xi Navy Federal Credit Union Melissa Ayala Navy Federal Credit Union Michael Deegan Navy Federal Credit Union April Haynes Navy Federal Credit Union Erica Livingston

43、 Navy Federal Credit Union Ola Saliu Navy Federal Credit Union Vicki Shapiro Navy Federal Credit Union Tynika Wilson NCR Corporation . Tanika Eng NCR Corporation . Stephen Gawne NCR Corporation . David Norris NCR Corporation . Gregg Simmons Office of Financial Research, U.S. Treasury Department . Bi

44、ll Nichols Paychex Inc . Carl Tinch PCI Security Standards Council Elizabeth Terry RDM Corporation . Leo Tintinalli Rosetta Technologies Jose Cortedano Rosetta Technologies Rob Hullar Rosetta Technologies Jim Walling SoliSYSTEMS Corp. Roque Solis Source Technologies . Wally Burlingham Source Technol

45、ogies . Chuck Freeman Standard Register Company . Melissa Kirk SWIFT/Pan Americas Karin DeRidder SWIFT/Pan Americas Jean-Marie Eloy Symcor Inc. Debbi Fitzpatrick Symcor Inc. Hiren Joshi Symcor Inc. Ivan Welsh TECSEC Incorporated . Ed Scheidt TECSEC Incorporated . Jay Wack U.S. Bank . Michelle Copher

46、 U.S. Bank . Tim Dawe U.S. Bank . Gina Hebner U.S. Bank . Scott LaPlante U.S. Bank . Maureen Latendresse U.S. Bank . Christopher Stickney U.S. Bank . Michelle Wright VeriFone, Inc. Karl Chrisman VeriFone, Inc. Dave Faoro VeriFone, Inc. Dan Kannady Viewpointe . Richard Luchak VISA . John Aafedt VISA

47、. Kristina Breen VISA . Brian Hamilton VISA . Hap Huynh VISA . Glenn Powell VISA . Dan Sanford VISA . Kim Wagner VISA . Kevin Weller Wells Fargo Bank Jared Anderson Wells Fargo Bank Sotos Barkas Wells Fargo Bank William Davis Wells Fargo Bank Veronica Flanagan Wells Fargo Bank Alexandra Greenfield W

48、ells Fargo Bank Phillip Griffin Wells Fargo Bank Jeff Harmon ANS X9.100-40-1-2008 (R2017) xii 2017 All rights reserved Wells Fargo Bank . Ryan Hegland Wells Fargo Bank . Ann Kirk Wells Fargo Bank . Garrett Macey Wells Fargo Bank . Alan Nguyen Wells Fargo Bank . Steve Puffer Wells Fargo Bank . John Q

49、uinn Wells Fargo Bank . Mark Schaffer Wells Fargo Bank . John Walker ANSI X9.100-40-1-2008 (R2017) 2017 All rights reserved xiii Under ASC X9, Inc. 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 their affiliated organizations. However, this does not imply that the organization has approved t