ANSI X9.104-1-2004 (R2023): Card Originated Messages
The substitution of electronic financial transactions at the point of sale for their paper-based predecessors has reduced costs and improved…
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ANSI X9.95-2022: Time Stamp Management And Security
Cornelius Wilson invented the time stamp, and his company, the Automatic Time Stamp Company of Boston, Massachusetts, produced it in 1880. Wilson’s…
ANSI X9.100-120: Bank Deposit Tickets
Bank deposit tickets–otherwise known as deposit slips or receipts–are integral items for certain banking activities. As the proof that a…
MICR External Processing Code (EPC), ANSI X9.100-160-2-2020
Prominently printed at the bottom of a bank check, a Magnetic Ink Character Recognition (MICR) line conveys distinguishing information to…
MICR Specifications for Checks in ASC X9 Standards
When a check is processed—17 billion checks are exchanged each year in the U.S.—magnetic ink characters convey its information to…
Understanding, Designing, and Producing Checks with ASC X9 TR 2-2019
Bank checks have changed hands throughout generations, periods, and even centuries. As discussed in Annex A of ASC X9 TR…
ANSI X9.100-111-2018: Financial Services – Check Endorsements
When a check is endorsed, it signifies an agreement between two entities. The value of the check in question will…
ANSI X9.100-140-2018: Financial Services – Image Replacement Document – IRD
On October 28, 2003, Check 21, or more formally, the Check Clearing for the 21st Century Act, was signed into…
ASC X9 Technical Report: Interoperable Secure Key Exchange Key Block Specification
A technical report written and published by the Accredited Standards Committee X9 (ASC X9), ASC X9 TR 31-2018: Interoperable Secure…