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 efficiency, particularly in the operation…
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 deposit has been made, it…
Electronic Exchange of Check and Image Data
Check 21 First enacted on October 8, 2004, the 21st Century Act (also known as the Check 21 law) allows banks to handle more checks…
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 2-2019, during the California Gold…
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 change hands. It might seem…
ISO/IEC 7811-2:2018 – Low Coercivity Magnetic Stripe Identification Cards
Identification cards, such as credit cards, employee ID cards, and even hotel keycards, despite appearing as simple thin objects that you can slide into your…
ISO/IEC 7811-6:2018 – High Coercivity Magnetic Stripe Identification Cards
Identification should be straightforward, but it confronts a world of complexities. Used for financial transactions, day-to-day business activities, or an assortment of other purposes, identification…
ANSI X9.119-1-2016 – Retail Financial Services – Requirements for Protection of Sensitive Payment Card Data – Part 1: Using Encryption Method
In the Digital Age, frequent dangers lurk just beyond any invisible data horizon. For credit cards, the means by which a great deal of people…
X9 – BTRS Balance and Transaction Reporting Standard
Developed by X9, an ANSI-accredited Standards Developing Organization, BTRS, the Balance and Transaction Reporting Standard, aims to replace BAI2 as the unifying guide for balance and transaction…