ANSI X9 TR 33 : 2006

Foreword
Introduction
1 Scope
  1.1 Purpose
  1.2 Problem statement
2 Normative references
3 Terms and definitions
4 Conceptual framework for assessing the quality of an image
  4.1 General
  4.2 Image file wrapper characteristics
  4.3 Image defects
  4.4 Image usability
  4.5 Relationship between image defects and image usability
5 Automated Image Quality Assessment tools
  5.1 Introduction
       5.1.1 General
       5.1.2 Analysis and assessment
       5.1.3 Overall image quality assurance
  5.2 Image and file format characteristics
  5.3 Automated Image Defect Assessment
       5.3.1 Introduction
       5.3.2 IDA reference model
       5.3.3 Image defect analysis
       5.3.4 Parameters and thresholds
       5.3.5 Computing image defect flags
  5.4 Image Usability Assessment
       5.4.1 Introduction
       5.4.2 IUA reference model
       5.4.3 Image usability analysis
       5.4.4 Image usability parameters and thresholds
       5.4.5 Image Usability Assessment
       5.4.6 Usability scoring
  5.5 Comparison of IDA and IUA
       5.5.1 Overview
       5.5.2 Image quality tests and image quality suspects
  5.6 Integration of image assessment tools with X9 standard
6 Environmental considerations
  6.1 General
  6.2 Legal and regulatory environment
  6.3 Source documents and associated quality issues
       6.3.1 General
       6.3.2 Source document creation
       6.3.3 Source document completion
       6.3.4 Source document processing
       6.3.5 Security features on source documents
       6.3.6 Carrier documents
       6.3.7 Image replacement document (IRD)
  6.4 The image capture process and associated quality issues
       6.4.1 General
       6.4.2 Camera output variability
       6.4.3 Calibration
       6.4.4 Image resolution and associated quality issues
  6.5 Other general processes and associated quality issues
       6.5.1 General
       6.5.2 Image processing system-created defects
       6.5.3 Image system performance degradations
  6.6 Technical standards
  6.7 Industry initiatives
  6.8 Evolving solution marketplace
7 Image business practices
  7.1 General
  7.2 Implementation overview
  7.3 IQA tools and human assessment
  7.4 Implementation of IQA processes
  7.5 Validation of check image and format characteristics
       7.5.1 Introduction
       7.5.2 Editing examples
  7.6 Image Defect Assessment
  7.7 Image Usability Assessment
       7.7.1 Key data fields
       7.7.2 Other data fields
  7.8 Conveying assessment results
       7.8.1 Introduction
       7.8.2 Considerations related to conveying Image
              Defect Assessment results
       7.8.3 Considerations related to conveying IUA results
  7.9 Implementation of X9B standards
  7.10 IQA systems and clearing
       7.10.1 General
       7.10.2 Sources of problems
       7.10.3 Responses to an unusable image
  7.11 Clearing participants and IQA systems
       7.11.1 General
       7.11.2 The truncating bank and IQA systems
       7.11.3 The paying bank and IQA systems
       7.11.4 Image exchange and IQA systems
8 Open issues
  8.1 Introduction
  8.2 Defect metrics
  8.3 The use of "true" image usability metrics
  8.4 Source document issues
  8.5 Conveying the results of image defect and usability
       assessments in image exchange
Annex A (Informative) Detailed image capture process and
                      IQA systems
  A.1 Introduction
  A.2 Document image capture devices
       A.2.1 General
       A.2.2 Reader/Sorters
       A.2.3 Flatbed scanners
  A.3 Image capture processes
       A.3.1 General
       A.3.2 Image camera subsystem
       A.3.3 Digital image preprocessing
       A.3.4 Digital image compression
       A.3.5 Image system software
  A.4 Post image capture processes
       A.4.1 General
       A.4.2 Image display
       A.4.3 Image printing
       A.4.4 Trans-coding the data
       A.4.5 Image security features
       A.4.6 Other post capture image manipulation

Provides a framework for assuring and assessing image quality to support the exchange of check images between financial institutions. It provides a detailed understanding of the problems and limitations associated with the image capture process, automated methods and systems that might be used to detect check quality problems (i.e., image defects and usability issues).