ANSI X9.100-140:2018 pdf download.Image Replacement Document- IRD.
ANSI X9.100-140 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 RD 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 ANSI X9.100-140 provide information that may prove useful to those planning on implementing the standard.
2 Purpose
The purpose of ANSI X9.100-140 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.
3 Normative References
The following referenced documents are indispensable for the application of this document. For dated references, only the specific edition cited applies. For undated references, the most current edition of the referenced document (including any amendments) applies.
ANSI INCITS-1 7[R2000] (X3.1 7), Character Set for Optical Character Recognition (OCR-A)
ANSI X9.1 00-110 (X9.7), Document Imaging Compatibility
ANSI X9. 100-10, Paper for MICR Documents
ANSI X9.1 00-20, Print and Test Specifications for Magnetic Ink Printing (MICA)
ANSI X9.1 00-111, Physical Check Endorsements
A N S I X 9.100-151, Check Correction Strips
ANSI X9.1 00-1 60-1, Magnetic Ink Printing (MICR). Part 1: Placement and Location
ANSI X9.1 00-1 60-2, Magnetic Ink Printing (MICR), Part 2: EPC Field Use
ANSI X9.1 00-187, Electronic Exchange of Check and Image Data
ANSI X9.100-188, Return Reasons for Check Image Exchange and IRDs
Regulation CC (12 CFR part 229), Availability of Funds and Collection of Checks
Uniform Commercial Code, The American Law Institute and National Conference of Commissioners on Uniform State Laws, Official Text.ANSI X9.100-140 pdf download.