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 both humans and machines. 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 machines. These characters comprise the…
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…
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 law. This law made it…
The Importance of Keeping Your Financial Information Secure
October is National Cyber Security Awareness Month, and, in our always connected, “smart” lifestyle, it is easy to forget just how much of our identity…
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…
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 Key Exchange Key Block Specification,…