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 […]
Financial Industry
ISO 13491-2:2023 – Security Compliance Checklists
The origin of cryptography dates back to 1900 BC Egypt in the form of hieroglyphics. The scribe of the main chamber of the tomb of […]
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 time stamp recorded the time, […]
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 […]
Blockchain and Cryptocurrency Standards
Those with an interest in the success and security of blockchain systems—ranging from design architects, auditors, and other risk assessment professionals to academics and customers—benefit […]
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 […]