ANSI X9.100-140:2018 pdf free download – Image Replacement Document – IRD
1 Scope
This standard establishes the construction, layout, data elements, data content, and printing specifications for Image Replacement Documents (IRD). An IRD is a substitute image copy of a check or a replacement for a previous IRD that includes a machine readable MICR line. An IRD that conforms to this standard and meets the requirements of a Substitute Check within Regulation CC is considered the practical and legal equivalent of the original paper check or of a previous IRD. This standard does not address operational, implementation, or settlement issues. These issues may include but are not limited to: the use of security features that are available after imaging, image compression, conversion methods, and IRD printing techniques. The informative annexes attached to this standard provide information that may prove useful to those planning on implementing the standard.
2 Purpose
The purpose of this standard is to provide a structure to facilitate the conversion of original checks to an electronic form for operational processing and exchange by supporting the ability to convert the electronic data into a physical document via the IRD. This converted document will contain a reproduction of the original check, incorporating data indicating the location of the truncated check, IRD creator, and subsequent endorsements. An IRD may be used for forward presentment, return and re-presentment processing, and where a bank rejects a check submitted for deposit. In addition to the conversion of the image of an original check, this standard provides for the conversion of an IRD into a Subsequent IRD.
4 Terms and Definitions
Terms and definitions listed within this standard shall be treated as normative information. The defining standard is listed in parentheses after each term. The first listing is the current defining and the second listing, if present, is the past or future defining standard. If a definition starts with the words, “As used in this standard”, it indicates the definition is altered to meet the needs of this standard and differs from the definition in the referenced defining standard.
4.1 aligning edge (ANSI X9.100-160-1) The bottom edge of a document when its face is viewed.
4.2 aspect ratio (ANSI X9.100-140) The value obtained by dividing the horizontal pixel count by the vertical pixel count of an image. 4.3The intent is to hold this value constant when scaling (zooming) an image so that the new image will not be distorted relative to the original image.
4.4 clipping (ANSI X9.100-140) Clipping is the process whereby a specific sub-area of a fully digitized image is extracted. The sub-area is defined by the actual pixel count of the x and y coordinates of the clipped area of the full image.
4.5 creation institution (ANSI X9.100-140) The institution that creates an IRD. The IRD can be an Original IRD or a Subsequent IRD. Reg CC refers to the creation institution as the reconverting bank. 4.6 data print boundary line (ANSI X9.100-140) A defining line on the front and back of an IRD and extending its full length, below which no data is printed other than the E-1 3B character font specified in Regions 5F and 6F.