ANSI X9.90 : DRAFT 2003

Figures
Foreword
1 Scope
2 Conformance/Purpose
3 Normative References
4 Terms and Definitions
5 General
  5.1 Types
      5.1.1 Forward IRDs
      5.1.2 Return IRDs
6 Information Elements
  6.1 Front Regions
      6.1.1 Required Item Front Image Region: Region 1F
      6.1.2 Required Original Check Truncation Institution
            Region: Region 2F
      6.1.3 Required Creation Institution Region: Region 3F
      6.1.4 Required Legend Region: Region 4F
      6.1.5 Required MICR Region: Region 5F
      6.1.6 Conditional Qualified MICR Region: Region 6F
      6.1.7 Conditional Return Reason Region: Region 7F
      6.1.8 Optional Data Region: Region 8F
  6.2 Back Regions
      6.2.1 Required Item Back Image Region: Region 1B
      6.2.2 Back of MICR Region: Region 2B (Protected)
      6.2.3 Back of Conditional Qualified MICR Region: Region
            3B (Protected)
  6.3 Dimensional References and Tolerances
      6.3.1 Tolerance on Dimensions to IRD Edges
      6.3.2 Tolerance on Dimensions to Other Data Elements
7 Design Elements
  7.1 IRD Size
      7.1.1 Forward IRD Size
      7.1.2 Return IRD Size
  7.2 Paper
  7.3 Perforations
  7.4 MICR Encoding
  7.5 IRD Design Graphics
  7.6 IRD Endorsement Back
8 Figures
Annex A (Normative) Return Reason Codes and Their Meaning
Annex B (Normative) Check or IRD Conversions
  B.1 Check or IRD Conversions Matrix Summary
  B.2 Valid Conversions
  B.3 Invalid Conversions
Annex C (Normative) Conversion Table - Inches to Millimeters
Annex D (Informative) Usage Considerations
  D.1 Usage Types
      D.1.1 Forward Original IRD
      D.1.2 Forward Subsequent IRD
      D.1.3 Original IRD Used for Return
      D.1.4 Subsequent IRD Used for Return
  D.2 Acceptable Business Usages
      D.2.1 Substitute Check
      D.2.2 Photocopy in Lieu
      D.2.3 Notice in Lieu of Return
Annex E (Informative) Sample IRDs
Annex F (Informative) Automated Identification of Security
                      Features
  F.1 Automated Identification of Bar Code Security Features
  F.2 Automated Identification of Seal Encoding Security
      Feature
      F.2.1 Introduction
      F.2.2 Methodology
      F.2.3 Security
Annex G (Informative) Document Security Features
Annex H (Informative) IRD Outstanding Issues and Concerns
Annex I (Informative) Paper Check or IRD Conversions and
                      Image Quality Degradation Factors
  I.1 Example Paper Check and IRD, and Potential Image
      Degradation Areas
  I.2 Possible Degradation Factors
Annex J (Informative) NWI - NEW PROJECT PROPOSAL FORM

Establishes the construction, layout, data elements, data content, and printing specifications for Image Replacement Documents (IRD).