Payment Systems
Document Design Guidelines
December 2006
unisys
imagine it. done.
Payment Systems
Document Design Guidelines
December 2006
4326 6808–005
NO WARRANTIES OF ANY NATURE ARE EXTENDED BY THIS DOCUMENT. Any product or related information
described herein is only furnished pursuant and subject to the terms and conditions of a duly executed agreement to
purchase or lease equipment or to license software. The only warranties made by Unisys, if any, with respect to the
products described in this document are set forth in such agreement. Unisys cannot accept any financial or other
responsibility that may be the result of your use of the information in this document or software material, including
direct, special, or consequential damages.
You should be very careful to ensure that the use of this information and/or software material complies with the laws,
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The information contained herein is subject to change without notice. Revisions may be issued to advise of such
changes and/or additions.
Notice to U.S. Government End Users: This is commercial computer software or hardware documentation developed at
private expense. Use, reproduction, or disclosure by the Government is subject to the terms of Unisys standard
commercial license for the products, and where applicable, the restricted/limited rights provisions of the contract data
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Unisys is a registered trademark of Unisys Corporation in the United States and other countries.
All other brands and products referenced in this document are acknowledged to be the trademarks or registered
trademarks of their respective holders.
Contents
Section 1.
Introduction
Audience ............................................................................................... 1–1
Scope .................................................................................................... 1–1
Using the Guidelines ............................................................................. 1–1
Related Product Information ................................................................. 1–2
Section 2.
Document Design Basics
Document Characteristics..................................................................... 2–1
Document Processing Environments ................................................... 2–2
Document Reading Technologies ......................................................... 2–2
Common Design Requirements ........................................................... 2–3
Edges................................................................................... 2–3
Surface................................................................................. 2–4
Paper Weight and Grain Direction ....................................... 2–5
Extraneous Markings ........................................................... 2–5
Field Locations..................................................................... 2–5
Audit Trail Printing and Endorsements ................................ 2–5
Contrast and Reflectance .................................................... 2–6
Implementation Considerations ............................................................ 2–6
Section 3.
Stock and Printing Specifications
Paper Stock ........................................................................................... 3–1
ANSI Standard ..................................................................... 3–1
Paper Reflectance ............................................................... 3–1
Surface Texture ................................................................... 3–1
Paper Specifications ............................................................ 3–2
Card Stock............................................................................................. 3–3
Document Size...................................................................................... 3–4
Holes ..................................................................................................... 3–5
Ink ......................................................................................................... 3–5
Halftone Printing ................................................................................... 3–5
Section 4.
Internal and Teller-Generated Document Design
General Guidelines for Internal Documents.......................................... 4–1
Guidelines for Teller-Generated Documents (Cash-In and
Cash-Out Tickets) ............................................................................. 4–2
Guidelines for Internal Documents ....................................................... 4–3
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iii
Contents
Control Tickets .....................................................................4–3
Black Band Documents ........................................................4–4
ATM Envelopes .....................................................................................4–6
Section 5.
Remittance Document Design
Guidelines for Remittance Documents .................................................5–1
Practices to Implement..........................................................................5–1
Practices to Avoid ..................................................................................5–2
Section 6.
Personal and Business Check Design
Guidelines for Personal-Size Checks .....................................................6–1
Guidelines for Business-Size Checks ....................................................6–2
Section 7.
Designing for Magnetic Ink Character Recognition
Printing and Test Specifications ............................................................7–2
MICR Line Format .................................................................................7–2
MICR Clear Band..................................................................7–4
MICR Print Band...................................................................7–4
Optical Clear Band................................................................7–4
External Processing Code (EPC) Field..................................7–4
Routing Field ........................................................................7–5
On-Us Field...........................................................................7–5
Amount Field ........................................................................7–5
Auxiliary On-Us Field ............................................................7–5
Section 8.
Designing for Optical Character Recognition
OCR Fonts .............................................................................................8–1
OCR Document Design Requirements .................................................8–2
OCR Reader Limitations ........................................................................8–5
Section 9.
Designing for Barcode Reading
Barcode Specifications ..........................................................................9–1
Barcode Document Design Requirements............................................9–2
Section 10.
Designing for Document Imaging
CCITT Images ......................................................................................10–1
Nominal Threshold .............................................................10–2
Red Filter Option ................................................................10–2
JPEG Images .......................................................................................10–2
Measuring Reflectance and PCS .........................................................10–3
Handwriting or Printing on Documents ...............................................10–4
iv
4326 6808–005
Contents
Section 11.
Designing for Character Recognition
Forms Design for Character Recognition............................................ 11–1
Unisys Default Courtesy Amount Field Location ................................ 11–2
Field Identification Symbols ................................................................ 11–3
Dollar Symbol..................................................................... 11–4
Data Entry in Compound Boxes and Fields ....................... 11–6
Machine-Readable Document Identification Codes .......... 11–8
Search String....................................................................................... 11–8
Mark-Sense Field Design Considerations ........................................... 11–8
Examples of Using Design Requirements .......................................... 11–9
Appendix A. Document Processing Specifications
Single Pocket Encoder .......................................................................... A–1
UEC 6000/7000 Scanners ..................................................................... A–1
MyVision X Scanners ............................................................................ A–2
Source NDP........................................................................................... A–2
NDP 250–600 and NDP Quantum Transports ...................................... A–3
NDP 850–2000 Transports.................................................................... A–4
Appendix B. Paper Weight and Grain Direction
Definitions ............................................................................................. B–1
Specifications for Document Processing.............................................. B–1
Determining Grain Direction ................................................................. B–1
Creating Documents from Paper Stock ................................................ B–2
Appendix C. Ordering U.S. Document Design Standards
Index
4326 6808–005
v
Contents
vi
4326 6808–005
Figures
2–1.
Location of Document Edges ............................................................................ 2–3
4–1.
4–2.
4–3.
4–4.
4–5.
Cash-In Ticket..................................................................................................... 4–2
Black Band Document ....................................................................................... 4–4
Detection Hole Specifications............................................................................ 4–7
Dark Band in Color Restriction Zone .................................................................. 4–8
Location of Envelope Openings ......................................................................... 4–9
6–1.
Sample Business Check .................................................................................... 6–2
7–1.
7–2.
MICR Fields........................................................................................................ 7–3
Sample CMC-7 Document ................................................................................. 7–4
8–1.
OCR Scan Area .................................................................................................. 8–4
10–1.
10–2.
CCITT Image .................................................................................................... 10–1
JPEG Snippet Image ........................................................................................ 10–2
11–1.
11–2.
11–3.
11–4.
11–5.
11–6.
11–7.
11–8.
11–9.
11–10.
11–11.
Default CAR Field Location .............................................................................. 11–2
Field Identification Symbols ............................................................................. 11–3
Preprinted Dollar Symbol Location................................................................... 11–4
Dollar Symbol PCS Ratios ................................................................................ 11–5
Data Entry Box Dimensions ............................................................................. 11–6
Clearances Between Two Read Areas ............................................................ 11–7
Sample Mark-Sense Fields .............................................................................. 11–8
Sample Document ........................................................................................... 11–9
Sample Personal Deposit Document ............................................................. 11–10
Sample Payment Coupon .............................................................................. 11–10
Sample Business Deposit Ticket ................................................................... 11–11
B–1.
Grain Direction and Paper Weight Selection...................................................... B–2
4326 6808–005
vii
Figures
viii
4326 6808–005
Tables
3–1.
3–2.
3–3.
General Recommended Paper Specifications ................................................... 3–2
Card Stock Specifications .................................................................................. 3–3
Recommended Design Size............................................................................... 3–4
4–1.
4–2.
4–3.
4–4.
4–5.
4–6.
Control Ticket Dimensions ................................................................................. 4–3
Size and Location of Holes in Control Tickets.................................................... 4–3
Black Band Document Dimensions ................................................................... 4–4
Black Band Specifications .................................................................................. 4–5
Size and Location of Holes in Black Band Documents ...................................... 4–5
ATM Envelope Specifications ............................................................................ 4–6
7–1.
7–2.
7–3.
MICR Fonts ........................................................................................................ 7–1
MICR Font Characters ....................................................................................... 7–1
List of ANSI Standards for MICR ....................................................................... 7–2
8–1.
8–2.
OCR Fonts Supported by Unisys ....................................................................... 8–1
OCR Fonts.......................................................................................................... 8–2
9–1.
9–2.
Barcode Fonts .................................................................................................... 9–1
Barcode Print Specifications .............................................................................. 9–2
11–1.
Dollar Symbol Specifications............................................................................ 11–4
A–1.
A–2.
A–3.
A–4.
A–5.
A–6.
Single-Pocket Encoder Document Specifications.............................................. A–1
UEC 6000/7000 Document Specifications......................................................... A–1
MyVision X Document Specifications ................................................................ A–2
Source NDP Document Specifications .............................................................. A–2
NDP 250–600 and NDP Quantum Document Specifications ............................ A–3
NDP 850-2000 Document Specifications .......................................................... A–4
4326 6808–005
ix
Tables
x
4326 6808–005
Section 1
Introduction
This document provides design and evaluation guidelines for processing documents
using Unisys transports, including the following products: NDP 850-2000, NDP 250-600,
NDP Quantum (available at processing speeds of 200, 300, and 600 documents per
minute), Source NDP, MyVision X, and UEC 6000/7000. This manual uses standard
financial institution and imaging terminology and requires some familiarity with document
processing in financial institutions.
Refer to ANS X9-100.140 published by the American National Standards Institute (ANSI)
for guidelines to design an Image Replacement Document (IRD). The Check Clearing for
st
the 21 Century Act (Check 21) permits replacement of original checks with “substitute
checks” or “IRDs.”
Audience
The information in this manual is most useful to personnel in financial institutions who
are directly responsible for designing or approving the design of forms and documents.
The primary audience is U.S. financial institutions that process documents using imagebased recognition technology.
Scope
These guidelines describe what you need to know to design or approve internal
documents as well as personal and business checks for processing with a Unisys
transport. The information is sufficiently detailed to provide guidance about paper
characteristics, printing, and document layout.
Using the Guidelines
When designing or approving a document, you are encouraged to follow these steps:
1. Review the general information about document design and paper characteristics.
2. Review the specifications for machine processing in Appendix A.
3. Review the guidelines for the specific type of document you are designing or
approving.
Always test documents in a non-production environment.
4326 6808–005
1–1
Introduction
Related Product Information
Primary sources of information about Unisys document processors are as follows.
•
Character Recognition Software (SoftCAR+ Diamond Edition) Capabilities
Overview (4326 8598)
•
Common Application Programming Interface Programming Reference Guide Help
(available with Common API System Software)
•
Image Usability Analysis (IUA) Software Capabilities Overview (4326 8366)
•
Network Document Processor Quantum Series Capabilities Overview (4326 8077)
•
Network Document Processors 250/500 Capabilities Overview (4326 3698)
•
Network Document Processors 850–2000 Intelligent Speed Series Capabilities
Overview (3998 1956)
•
MyVision X (Specification Sheet DW101545-500)
•
Single-Pocket Encoder 100 (Specification Sheet DW100179-300)
•
Source Capture Network Document Processor (Source NDP) Capabilities
Overview (4326 7244)
•
UEC Series (Specification Sheet DW102128-100)
Refer to Payment Systems information at www.unisys.com for online access to
Capabilities Overviews as well as a description of features and capabilities for other
table-top, branch capture, teller capture, and remote deposit capture item processors. To
procure a document, visit the Unisys web site or contact your Unisys representative.
Refer to Appendix C to order U.S. Document Design Standards available from the
American National Standards Institute.
1–2
4326 6808–005
Section 2
Document Design Basics
The focus of document design is to define the requirements necessary to create forms
that are simple for people to fill out and standardized for machine processing and data
extraction. Effective document design is fundamental to maximizing your document
processor’s capabilities. Producing a well-designed document involves a commitment to
accuracy and detail.
Document design and control significantly impacts the performance of a document
processing system. Documents can be checks, giros, remittance coupons or stubs, or
control documents such as batch tickets. They typically contain preprinted, handwritten,
and machine-generated information. This information contains data such as account
numbers, check numbers, bank numbers, transaction numbers, dates, and minimum or
maximum payments amounts. It is represented on documents in magnetic ink, optically
read characters, and handwriting, some of which have the potential to be machinereadable.
Document Characteristics
The term “documents” is used interchangeably with “forms” to identify items that are
processed by document processors. Each document has specific characteristics for
reading and recognition.
•
•
Physical Characteristics
−
Edge
−
Surface
−
Size
−
Weight
−
Grain/Stiffness
Reading and Recognition Characteristics
−
Paper reflectance
−
Ink
−
Codeline/scanline positioning
−
Fonts
−
Field locators and locations
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2–1
Document Design Basics
Document Processing Environments
Document processing environments are an important factor in document design.
Organizations performing deposit and/or remittance processing have, in addition to
checks, unique document types that influence how items are presented to automated
scanning devices. For example, payments received through the mail system involve
envelope sorting and opening processes that add complexity to document design and
workflow considerations. The following list gives types of non-check documents that are
commonly associated with deposit and remittance processing:
•
•
•
Deposit processing
−
Deposit slips
−
Cash-In/Cash-Out tickets
−
ATM envelopes
−
Internal control documents
Remittance processing
−
Payment coupons/Remittance stubs
−
Giros
−
Remittance envelopes
−
Internal control documents
Remote deposit capture, teller capture, back counter capture
Document Reading Technologies
The following common technologies are used to read data recorded on documents:
2–2
•
Magnetic Ink Character Recognition (MICR)—MICR uses printed data in the form of
magnetic ink printed in either E-13B or CMC-7 fonts.
•
Optical Character Recognition (OCR)—OCR is the recording of data in the form of
high contrast (usually black) printing on areas of documents with no background
(white), low contrast background, or non-read ink in the background. OCR characters
are printed in OCR-A and OCR-B fonts. Some machines also recognize the OCR-7B
or E13B fonts.
•
Barcode—The barcode reader supports the fonts interleaved 2 of 5 and code 3 of 9.
•
Courtesy Amount Reading (CAR)—CAR is the reading of handwritten and machine
printed numeric amounts typically contained on checks.
•
Image Character Recognition (ICR)—ICR is the locating and reading of data from
images of documents.
4326 6808–005
Document Design Basics
Common Design Requirements
Attention to the details of document design reduces processing costs by avoiding
unnecessary transport stoppages or jams at the feeder, which is particularly costly in
medium- or high-volume processing environments. Document design is also important
for high-quality results in low-volume environments. The following attributes apply to all
documents in both operating environments and contribute to optimum machine
performance. The most common factors contributing to increased processing cost are
poor bottom and leading edge integrity, which dramatically impede document feeding.
Note: There are no special considerations for image quality or usability assessment
other than ensuring document sizing is correct to capture appropriate images.
Edges
Documents have four edges. These edges are identified in Figure 2–1 (when viewed
from the front side) as follows:
•
Leading edge
•
Bottom edge
•
Trailing edge
•
Top edge
Figure 2–1. Location of Document Edges
Document edges are an important factor in transport performance because they are
reference points for the alignment of documents and the location of data. Leading and
bottom edges with folds and tears degrade transport or scanner operation by lowering
throughput and read rates.
4326 6808–005
2–3
Document Design Basics
Leading Edge
The leading edge is the first edge to enter the transport track. It is the right edge of the
document when viewed from the front. It also is a reference point for reading or
encoding data. The leading edge should be die-, knife-, or laser-cut and must be free
from folds and tears so sensors in the track can accurately report the location of
documents.
Bottom Edge
Document processors use the bottom edge (also known as the aligning or registration
edge) to align the codeline data with the read head. Tears and folds along the bottom
edge of the document skew the document’s alignment with the read head and may
cause misreads. The bottom edge should be die-, knife-, or laser-cut and free from folds.
Edges must not be damaged during pre-transport processing. The following
recommendations will help eliminate poor edge quality.
•
Design forms to fit loosely, without folds, into corresponding envelopes. Avoid
unnecessary folding by the end user.
•
Avoid all perforations, if possible. Perforations on the top and trailing edges are
generally less problematic.
−
Locate perforations at least 1.27 cm (0.5 in.) from the potential fold zone.
−
Perforations located within 1.27 cm (0.5 in.) of folds increase the likelihood of
"flaps" along document edges, which may impact feed performance cause jams
in the transport.
−
If documents must be perforated, use high quality perforation such as that used
by U.S. check industry.
−
Perforations at or near the leading and bottom edges can adversely affect
document position tracking and codeline registration, resulting in degraded
performance.
•
Design remittance items to be independent slips, or locate them on the bottom righthand edge of a larger document, with laser-cut or clean perforations.
•
Consider mail extracting equipment in document and envelope design.
Documents that fit poorly in correspondence envelopes may be cut at an angle by
extraction equipment, resulting in a skewed document (cut leading edge) or a
document whose codeline is no longer aligned with the bottom edge.
Surface
Front surface smoothness must be between 50 and 200 Sheffield units. Rear surface
smoothness must be between 50 and 250 Sheffield units.
Coatings such as carbon coating and carbonless-required coating should be minimized
because they contribute to document handling problems.
Prevent the use of add-ons by imprinting “Do not fold, staple, attach paper clips, selfsticking notes, or adhesive tape” on the document and corresponding envelope. Add-
2–4
4326 6808–005
Document Design Basics
ons such as staples, paper clips, tape, and self-sticking removable notes are generally
caught by mail extraction equipment. However, once introduced into the transport, jams
are likely and extended outages are predictable. Self-sticking notes and adhesive tapes
will cause jams and “double-document” errors in the transport.
Paper Weight and Grain Direction
Checks and other documents processed on automated equipment should have grain
perpendicular to the advancing edge (parallel to the direction of travel) for optimal
transport. Paper weight should be a minimum of 20 pounds with the grain running the
length of the document (long grain) or 24 lb. with the grain running parallel to the height
(short grain). Refer to Section 3 for a description of paper characteristics. Appendix B
provides additional information about paper weight and grain direction.
Extraneous Markings
Extraneous markings on documents such as circling or underlining informational items
interfere with the legibility of characters in data fields. Avoid extraneous markings within
0.635 cm (0.250 in.) of outer boundaries of data fields.
Field Locations
The locations and format of the data fields should be consistent on all forms. This
assists the entry clerk in locating data and optimizes data entry.
The data fields must be parallel to the aligning (bottom) edge.
Audit Trail Printing and Endorsements
A sequence number is often printed on the face or back of documents during the
processing cycle to record the transaction. Accurate positioning of the sequence number
eliminates overprinting data that causes recognition errors.
On internal documents position data fields, such as sequence numbers, so they do not
coincide or interfere with the courtesy amount area on a personal check. The courtesy
amount area is normally positioned between 3.56 cm (1.4 in.) and 5.08 cm (2.0 in.) from
the bottom of the check. Adjust the printing device vertically to allow maximum
clearance around these amount field areas on personal checks.
Note: It is preferable to print the audit trail below 3.556 cm (1.4 in.) or above 5.08 cm
(2.0 in.) from the bottom of the check since business check amounts are generally in or
above this area. The MICR/OCR clear band area, however, must not be impaired.
4326 6808–005
2–5
Document Design Basics
Contrast and Reflectance
Documents contain magnetic and nonmagnetic data. A reader specifically designed to
read magnetic information recognizes the magnetic data. All data is seen by an optical
reader and converted into digital information. Optical readers take “pictures” of, or
capture, nonmagnetic data similar to the way that photographic cameras take pictures.
After the optical reader captures an image of the data, critical information such as
codeline data is separated from the background information.
High print contrast signal (PCS) of the data is essential to permit separation of the data
from the check background, i.e. the scenes on personal checks. PCS is the term used
for measuring the reflectance difference between two pieces of data in a contrast ratio.
Contrast requirements are referred to as PCS throughout this manual. PCS accuracy is
measured with the following equipment:
•
Macbeth PCM-II (point-based measuring system)
•
RDM Image Qualifier 97 (image based measuring system)
Ignoring or “dropping out” certain information from a document is typically done through
association with low PCS values. Data associated with high PCS values is normally the
more important information on the document. A document design strategy that includes
planning for data, backgrounds, and printing is important to successful performance of
optical and image systems. Additional PCS information is located in sections of this
manual describing OCR, image, and character recognition.
Implementation Considerations
Well-designed forms are simple for the user to understand and fill out correctly. A wellplanned document design and implementation process will ensure that financial
institutions benefit from recognition technologies. In the beginning of the form design
process, the following actions may facilitate the document design process:
•
Designate personnel to facilitate and monitor document design.
•
Participate in industry standards for checks.
•
Evaluate workflow processes involving the branch and backroom.
•
2–6
−
How will the form be used and for what purpose?
−
Who will prepare the form?
−
How will the form be processed and by what device or devices?
−
What device or devices will be used for image capture and retrieval?
Provide training to employees and customers as well as check printers and other
document suppliers.
4326 6808–005
Document Design Basics
•
Redesign documents for character recognition and image.
−
Apply all design principles and vendor requirements.
−
Obtain prototype design proofs of documents.
•
Initiate recognition system training.
•
Customize recognition and image usability features for locating fields on high volume
checks that do not conform to specifications, and enable field location by means of
MICR line identification and symbols.
4326 6808–005
2–7
Document Design Basics
2–8
4326 6808–005
Section 3
Stock and Printing Specifications
This section reports paper and printing specifications that apply to all Unisys transports,
although the MyVision X and UEC 6000/7000 scanners have stricter specifications for
2
paper above 90 g/m (24 lb.). Also, card stock is not intended for use with the MyVision
X or UEC 6000/7000 scanners. Refer to Appendix A for machine specifications.
Appendix B offers additional information about paper weight and grain direction.
Paper Stock
Paper stock is used for most documents including personal checks, business checks,
and remittance slips. Card stock is described later in this section.
ANSI Standard
Unisys requires that paper meet the ANSI Standard X9.18 specifications. This ANSI
document gives specific requirements for the physical characteristics of the paper, such
as weight, grain direction, and smoothness. It also covers test methods and general
2
guidelines for selecting paper. The ideal paper is 90-g/m (24-lb.) MICR bond. The grain
direction may be either in the long or short direction of the document. Although it is not
2
recommended, paper with a minimum weight of 75 g/m (20 lb.) can be processed, but
the grain direction must be only in the long direction. Refer to Appendix B.
Paper Reflectance
A high-reflectance white paper with good opacity is recommended. Factors that can
cause variation in reflectance (such as dirt, watermarks, and fluorescent additives) should
be avoided. Pale shades of some colors may be used, but they must be carefully chosen
for specific applications. Because all pale colors are displayed as white on image video
display terminals, use of color in distinguishing document types should be replaced with
other visual cues. The paper should have a reflectance of 70 percent or greater in the
visible range based on the CIE (Commission Internationale de l'Eclairage) photopic
response. The opacity range is 75 to 90. (Refer to ANS X9.7-1988 for more information
about measuring reflectivity.)
Surface Texture
The surface texture of a document must be such that MICR characters adhere to it
during multiple passes through the MICR readers. Documents should be encoded on
the front side.
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3–1
Stock and Printing Specifications
Paper Specifications
Table 3–1 gives general recommended specifications for paper stock. Transports are
designed to handle the standard thickness of typical paper stock as reported here.
Refer to Table 3–2 for card stock.
Table 3–1. General Recommended Paper Specifications
75 g/m2 (20 lb.)
Paper1
90 g/m2 (24 lb.)
Paper
Minimum in mm (in.)
0.10 (0.004)
0.10 (0.004)
Maximum in mm (in.)
0.15 (0.006)
0.15 (0.006)
Machine direction
1.9
2.7
Cross machine direction
0.9
1.3
Machine direction
5.9
8.0
Cross machine direction
3.4
4.0
Machine direction
3.4
4.0
Cross machine direction
5.9
8.0
28.0
35.0
0.30
0.45
at least 75
percent of
static measure
at least 75
percent of
static measure
long
long or short
50 to 200
50 to 200
Thickness (Caliper)
2
Stiffness (Taber) in pounds per sq. in.
Tensile strength (Schopper) in kilograms
Tear strength in grams
Burst point (Mullen) in pounds per sq. in.
Machine direction
Coefficient of friction
Static
Dynamic
Grain direction
3
Smoothness (Sheffield units)
1
As the minimum values of paper weight and thickness are approached, the suitability of the paper
is increasingly affected by other characteristics such as tensile strength, tear point, curl tendency,
long- and cross-grain stiffness, and surface smoothness.
2
The lower and upper limits of paper thickness that a transport can handle vary. Refer to
Appendix A for specifications for specific platforms.
3
For paper weights of 90 g/m2 (24 lb.) or greater, the grain can lie on either axis of the document.
For lighter papers, the grain must lie along the length of the document for optimum paper
handling. Lightweight, short grain paper will degrade the stop rate performance of the transport.
3–2
4326 6808–005
Stock and Printing Specifications
Card Stock
Card stock is commonly used for separator tickets and is handled by Source NDP, NDP
250–600, NDP Quantum, and NDP 850–2000 transports. The MyVision X and UEC
scanners (refer to Appendix A) do not handle card stock. Card stock is not
recommended for encoding by an encoding module. Card stock weight is calculated on
a different basis than paper. Table 3–2 gives card stock specifications.
Table 3–2. Card Stock Specifications
155 g/m2 (95 lb.)
Card Stock1
Thickness (Caliper) in mm (in.)
Minimum
0.15 (0.006)
Maximum
0.20 (0.008)
Mullen, burst (psi)
55 (min)
Tear with grain (gm force)
125 (min)
Tear cross grain (gm force)
125 (min)
Smoothness wire (Sheffield)
125 (unit max)
Smoothness felt (Sheffield)
125 (unit max)
Stiffness with grain (Taber 150B)
17 (min)
Stiffness cross grain
(Taber 150B)
Length 80 column in inches
7.375 ± 0.005
Width in inches
3.250 ± 0.003
Static coefficient of friction
Dynamic coefficient of friction
1
4326 6808–005
8 (min)
0.30 to 0.45
at least 75 percent of static measure
2
Documents up to an extreme maximum weight of 171 g/m (105 lb.) can be processed
by the primary feeder of medium- or high-speed transports with an expected 10 to 20
percent degradation in stop rate.
3–3
Stock and Printing Specifications
Document Size
Unisys transports are designed to handle a wide range of document sizes (as well as
thickness and weight). Specifications for the various document processing platforms are
given in Appendix A. These specifications reflect what a transport can handle to give
optimal processing results. Size is particularly important when designing documents to
achieve the best possible transport performance. Therefore, the design parameters for
size are narrower than transport specifications.
Document size (as well as thickness and weight) may also be influenced by market
needs. For example, Source NDP transports are designed to effectively handle giros up
to 12.7 cm (5.0 in.) in height. The increased height of a giro document, however, is not
recommended as a design target for other types of documents.
To ensure efficient handling and stacking of documents, their length-to-height ratio
should be in the range of 1.5:1 and 3:1. Table 3–3 gives the recommended design size
for various types of documents.
Table 3–3. Recommended Design Size
Personal
Checks
Business
Checks
Remittance
Documents
Minimum in cm (in.)
--
14.60 (5.75)
14.60 (5.75)
Maximum in cm (in.)
--
23.50 (9.25)
23.50 (9.25)
Optimum in cm (in.)
15.24 (6.00)
--
--
7.00 (2.75)
Length
Height
Minimum in cm (in.)
3–4
Maximum in cm (in.)
--
Optimum in cm (in.)
7.00 (2.75)
7.00 (2.75)
2
1
9.31 (3.67 )
10.80 (4.25)
--
--
3
1
The standard height of a personal check is 7.00 cm (2.75 in.).
2
The recommended design height allows for adding a correction strip at the bottom of the check
while still being able to image the complete check. Transport tracks handle higher documents. In
general, the document design height must take into account the maximum image height (refer to
Appendix A).
3
The recommended design height for internal documents of 10.80 cm (4.25 in.) takes into account
“ride up” of an item from the bottom of the track and as well as the maximum image height at
200 dpi (refer to Appendix A).
4326 6808–005
Stock and Printing Specifications
Holes
Holes up to 0.9525 cm (0.375 in.) are allowed in documents processed with a
Source NDP, NDP 250–600, or NDP Quantum transport. Holes up to 0.476 cm
(0.1875 in.) are allowed in documents processed with an NDP 850–2000 transport, but
no more than three holes are allowed in a document, 80-column punch cards excluded.
Refer to Section 4 for hole specifications for control documents.
Ink
Printing inks can vary in color and reflectance. Select inks to provide high-contrast
printing on unscreened characters, regardless of the color chosen. When boundary
patterns are screened to print the handprint boxes, the contrast is reduced to a much
lower level. This permits one-pass printing, which is a less expensive method than
multi-colored printing.
Print Contrast Signal (PCS) measurements for specified printed areas should conform to
specified limits. The minimum PCS level should exceed 0.60 for printed data to be
retained in the image. The PCS level should be less than 0.15 for dropout areas, such as
the data entry boxes.
The best method of retaining or reading data when printing in non-clear band or low
contrast areas of documents is to use highly reflective black ink for high-contrast printing
of the information. The purpose is to maintain high PCS for the data (above 0.60) such
that it can be distinguished from the low-contrast data because image systems require a
sufficient difference in PCS of data to isolate the desired information from the
background.
Halftone Printing
Halftone (tint screen) is a method of dropout printing used on portions of documents to
decrease the print contrast for specific areas where imaging or image character
recognition is used. It also provides a visible guide in which to write the data.
Halftones are defined in terms of screen percentage and number of lines per inch. The
recommended screen for the low-contrast box outline is a five percent, 120- to 150-lineper-inch screen. This screen value provides low-contrast boxes that are clearly visible to
the human eye and are within the print contrast level required for elimination by the
image processing. A higher density screen can cause the contrast ratio of the guideline
boxes to exceed the required levels, and so the boxes may be visible on the image. If a
security background is required for the amount areas to highlight erasures or changes,
the five percent screen is sufficient. Precaution must be taken when applying halftone
black ink with a five percent screen. The result may yield a border with a contrast more
than the desired maximum of 0.15 PCS for dropout areas.
4326 6808–005
3–5
Stock and Printing Specifications
3–6
4326 6808–005
Section 4
Internal and Teller-Generated
Document Design
Internal documents include cash in/cash out tickets, batch tickets, general ledger sheets,
deposit tickets, credit adjustment advices, receipts, and automatic teller machine (ATM)
envelopes. Financial institutions generally have the most control over these documents.
When designing for character recognition, also refer to Section 11, “Designing for
Character Recognition.”
General Guidelines for Internal Documents
Follow the guidelines below to ensure accurate image based recognition of internal
documents.
•
Use MICR line identification for credit documents.
•
Use handprint constraint boxes that drop out.
•
Provide clearance around recognition fields.
•
Provide clear bands for code lines.
•
Provide a teller validation print clear area.
•
Use a white background for optimum contrast of print to be scanned.
•
Use a horizontal format for handprint fields.
•
Print CREDIT in lower area on credit items.
•
Use a common amount location across all design formats.
•
Print all internal documents in 10 pt. or 12 pt. Times New Roman or Courier.
The above guidelines apply to the Amount and numeric ICR fields on the document. The
Amount field has a cents separator. A numeric field is a series of digits such as the
account number.
4326 6808–005
4–1
Internal and Teller-Generated Document Design
Guidelines for Teller-Generated Documents (Cash-In
and Cash-Out Tickets)
Teller transactions may be machine printed or handwritten. Follow the guidelines below
to ensure accurate recognition of characters printed by teller machines. The item shown
in Figure 4–1 incorporates these guidelines.
•
Use black ribbon.
•
Perform routine maintenance procedures.
•
Adjust machines to print amount information in the same relative position from
the bottom right corner of the document.
•
Train users to insert documents correctly.
•
Print amounts with a dollar symbol, commas, and a decimal point (between dollar
and cents fields).
If other descriptive information such as the words "Cash In" is printed with the
amount, allow no less than 1.27 cm (0.50 in.) of clearance to the left of the
amount field. Do not print data to the right of the amount.
•
Allow a 0.635 cm (0.250 in.) clearance around the amount field.
Figure 4–1. Cash-In Ticket
Note: The document title is clearly printed above the amount for key entry. Use of
different font styles provides visual assistance in distinguishing the type of document.
Different font styles may be used in place of the color-coding used in documents today.
4–2
4326 6808–005
Internal and Teller-Generated Document Design
Guidelines for Internal Documents
Specifications are provided for the following internal documents:
•
Control tickets
•
Black band documents
•
ATM envelopes
You will find the document processors capable of processing these documents below
each document category.
The paper specifications listed in Table 3-1 apply to all internal documents.
Control Tickets
Control tickets are commonly referred to as batch tickets, block tickets, or end-of-job
tickets. Specific types of control tickets include cut slips, block or batch separator
tickets, cash letter control tickets, pocket separator tickets, job control tickets, trace
control tickets, and black band documents.
Table 4–1 lists control ticket dimensions.
Table 4–1. Control Ticket Dimensions
Minimum
Maximum
Length
17.78 cm (7.00 in.)
22.86 cm (9.00 in.)
Height
8.57 cm (3.78 in.)
10.16 cm (4.00 in.)
Table 4–2 lists specifications for the size and location of holes in control tickets.
Table 4–2. Size and Location of Holes in Control Tickets
Minimum
Diameter
Vertical location
–
1
Horizontal location
Spacing
3
1.5875 cm (0.6250 in.)
2
Maximum
0.9525 cm (0.3750 in.)
5.715 cm (2.250 in.)
1.9050 cm (0.7500 in.)
–
1.27 cm (0.50 in.)
–
1
Measured from the centerline of the hole to the bottom of the document
Measured from the centerline of the hole to the edge of the document.
3
Measured from center to center
2
4326 6808–005
4–3
Internal and Teller-Generated Document Design
The following restrictions apply to hole locations in control tickets:
•
More than two holes in one vertical position are not allowed.
•
Holes cannot be in the black band area.
Black Band Documents
Black band documents dimensions apply to the NDP 250–600, NDP Quantum, and
NDP 850–2000 document processors. Black band documents are control tickets with a
black band printed on the same side of the document as the MICR code to enable
detection by an optical device. They are used to separate groups of documents into
batches.
Black band documents are any of a variety of documents with a low-reflectance, nonmagnetic black band printed on light-colored paper. The maximum reflectance of the
black band should be 7 percent as measured with a Kidder optical character tester using
the visible range probe (3,000 to 7,000 angstroms).
Figure 4–2 shows a typical black band document.
Figure 4–2. Black Band Document
Table 4–3 lists black band document dimensions.
Table 4–3. Black Band Document Dimensions
Minimum
4–4
Maximum
Length
17.78 cm (7.00 in.)
22.86 cm (9.00 in.)
Height
8.57 cm (3.78 in.)
10.16 cm (4.00 in.)
4326 6808–005
Internal and Teller-Generated Document Design
Table 4–4 lists the specifications for the black band.
Table 4–4. Black Band Specifications
Centimeters
1
2
Inches
Band length
12.700 ± 0.15875
5.000 ± 0.0625
Band width
5.080 ± 0.15875 -0.317
2.000 ± 0.0625 -0.125
Band starting point ¹
0.080
0.031
Top edge of band ²
6.670 ± 0.15875
2.625 ± 0.063
Bottom edge of band ²
1.590 + 0.15875
0.625 + 0.063
Maximum distance from left end of document
Measured from bottom of document
Table 4–5 lists specifications for the size and location of holes in black band documents.
Table 4–5. Size and Location of Holes in Black Band
Documents
Minimum
Diameter
Vertical location
0.4760 cm (0.1870 in.)
1
Horizontal location
Spacing
3
Maximum
2
1.5875 cm (0.6250 in.)
5.7150 cm (2.2500 in.)
1.2700 cm (0.5000 in.)
–
1.2700 cm (0.5000 in.)
–
1
Measured from the centerline of the hole to the bottom of the document
Measured from the centerline of the hole to the edge of the document
3
Measured from center to center
2
The following restrictions apply to hole locations in Black Band documents:
•
More than two holes in one vertical position are not allowed.
•
Holes cannot be in the black band area.
4326 6808–005
4–5
Internal and Teller-Generated Document Design
ATM Envelopes
ATM envelope dimensions apply to the NDP 850–2000 document processors. In order
for ATM envelopes to be imaged, the envelope must be fed through a document
processor equipped with an imaging camera. The design of the envelope must enable it
to be fed through the document processor. Table 4–6 gives specifications for ATM
envelopes.
Note: Unisys strongly recommends that your ATM envelope supplier provide samples
for testing before committing to a purchase.
Table 4–6. ATM Envelope Specifications
Minimum
Maximum
Length
22.22 cm (8.75 in.)
23.50 cm (9.25 in.)
Height
7.00 cm (2.75 in.)
10.80 cm (4.25 m)
Thickness
Weight
1
0.50 mm (0.020 in.)
2
75 g/m (20 lb.)
2
90 g/m (24 lb.)
1
The thickness depends on the weight of paper stock and the overlapping to form the
envelope. No more than four stock paper overlaps at any point of the formed envelope
are allowed.
Two detection holes through both sides of the envelope are required. These holes
prevent the document processor from interpreting the envelope as two documents stuck
together (a double document error). Figure 4–3 gives the specifications.
4–6
4326 6808–005
Internal and Teller-Generated Document Design
Legend
Area
Centimeters
Inches
A
Hole 1 diameter
0.79 ± 0.15
0.31 ± 0.06
B
Leading edge of envelope to center of
hole 1
9.52 ± 0.30
3.75 ± 0.12
C
Bottom edge of envelope to center of
hole 1 and hole 2
2.82 ± 0.15
1.11 ± 0.06
D
Bottom edge of envelope to bottom
edge of hole restriction zone
2.18 ± 0.15
0.86 ± 0.06
E
Center of hole 1 to center of hole 2
2.54 ± 0.15
1.00 ± 0.06
F
Hole 2 diameter
0.79 ± 0.15
0.31 ± 0.06
G
Height of hole restriction zone
1.27 ± 0.15
0.50 ± 0.06
Figure 4–3. Detection Hole Specifications
Note: It is preferred that the only holes in the envelope are detection holes. If
additional holes are required, they must not be placed anywhere in the hole restriction
zone. Envelope styles with additional holes must be tested for performance in your
document processor.
4326 6808–005
4–7
Internal and Teller-Generated Document Design
Both sides of an ATM envelope must have a color restriction zone in which no darkcolored printed bands above a certain height and length are allowed to avoid detection as
a black band. Figure 4–4 shows the color restriction zone with a dark band of maximum
size to avoid detection. The placement of the zone is the same on the front and back of
an envelope.
Figure 4–4. Dark Band in Color Restriction Zone
Legend
Measurement
4–8
Centimeters
Inches
A
Maximum height of a dark band to avoid
detection as a black band
0.254
0.10
B
Maximum length of a dark band to avoid
detection as a black band
5.08
2.00
C
Bottom edge to bottom of zone
4.06 ± 0.254
1.60 ± 0.10
D
Bottom edge to top of zone
6.60 ± 0.254
2.60 ± 0.10
4326 6808–005
Internal and Teller-Generated Document Design
The envelope must open at either the trailing edge or the top. A trailing edge opening is
recommended. A perforated opening can be used, however, all perforations must leave
a clean edge. After the perforated edge is removed, the remainder of the envelope must
meet the size requirements specified in this section. The broken lines in Figure 4–5
show where an opening can be placed.
Legend
– – Possible location for open edges
Figure 4–5. Location of Envelope Openings
4326 6808–005
4–9
Internal and Teller-Generated Document Design
4–10
4326 6808–005
Section 5
Remittance Document Design
The design of remittance documents, payment stubs, and corresponding envelopes
contributes to the ease or difficulty of item processing. Because payments are delivered
by mail, both the check and the stub may become folded, cut, or damaged in the mail
extraction process. When designing for character recognition, also refer to Section 11,
“Designing for Character Recognition.”
Guidelines for Remittance Documents
When beginning to design a document with a tear-off section that will be the remittance
or payment stub, it is important to account for the requirements of an automated
document processor. The coded information that is unique to the client should be
designed in a way that is compatible with both the document processor and the
application that will process the payment. In doing so, processing time and costs can be
minimized. The following lists provide guidelines on which practices to follow and which
to avoid.
Practices to Implement
Implementing the following practices is recommended:
•
Adhere to the specifications in this manual pertaining to the following:
−
Proper paper weight and grain
−
Proper tear-offs (perforation on top) so clean-cut bottom and leading edges exist
−
Proper separation and identification of data to be processed
−
Proper printing
−
Proper envelopes that can contain the statement, stub, and return envelope
when mailed out, so that statements, stubs and checks do not need to be folded
differently than the perforations
•
Consider mail opening equipment.
•
Identify the automated document processor and the application requirements for the
coded information that will process the documents. This is very important in that
there may be cost advantages or requirements for the coded information.
−
Coded information format requirements
−
Ability to use machine reading of handwritten information
−
Ability to identify address change blocks
4326 6808–005
5–1
Remittance Document Design
•
−
Ability to read address change information
−
Ability to determine if a document type or transaction code will be beneficial to
identify transaction type or code line type
Observe the following practices for best throughput and performance:
−
If planning for OCR compatibility, refer to the detailed information in Section 8,
“Designing for Optical Character Recognition.”
−
Use the OCR-A font, which is designed for best machine readability.
−
Design the OCR code line on the document so that it is not in the same position
as the MICR line on a check. (It may be printed with some magnetic ink.)
−
Use blanks between fields if needed for visual effect.
−
Use check digits on account numbers to allow positive verification.
−
Use duplicate fields in the coded information if room permits.
−
Position fields on the document to the right side of the document.
−
Position any fields for handwriting away from the code line.
−
Use constrained blocks for entry of handwritten information.
−
Use field identification symbols if needed for automatic location of fields.
−
Select forms with laser-produced perforations where possible to ensure cleaner
tear-offs.
Practices to Avoid
Avoid the following practices:
5–2
•
Do not use punctuation marks, as they may not be readable, have the poorest read
rates, and are unnecessary for machine reading.
•
Do not print information in the required “clear band” around the coded information.
This pertains to both OCR and MICR documents.
•
Avoid printing data in the MICR clear band area because inks or the toner in print
cartridges can contain magnetic material.
•
Do not use alphabetic characters in account numbers or as codes that are similar in
shape to numbers. This is because badly printed characters can be misread as
numbers. For example, the letter “B” could be misread as the digit “8,” and the
letter “S” could be misread as the digit “5.” Avoiding alphabetic characters in
account numbers or as codes is particularly important if OCR B fonts are used.
4326 6808–005
Section 6
Personal and Business Check Design
This section describes designing basic checks. Refer to Section 3 and Appendix B for
size specifications. When designing for character recognition, also refer to Section 11,
“Designing for Character Recognition.”
Guidelines for Personal-Size Checks
Approximately two-thirds to three-fourths of all documents processed by financial
institutions are checks. Check processing has a unique set of challenges for machine
processing because the range of handwriting styles and the types and colors of ink used
to fill out checks create variables that impact image-based recognition technology. The
American National Standards Institute (ANSI) sets check design standards in ANS X9.7
that are followed by most personal-size check printing companies. The standard size for
a personal check is 15.24 cm (6 in.) long by 6.985 cm (2.75 in.) high.
Follow the guidelines below to ensure accurate image-based recognition of personal
checks.
•
Establish the location for the courtesy amount per ANS X9.7.
•
Standardize the background behind the following fields:
−
Date
−
Payee
−
Courtesy amount
−
Legal amount (i.e. the amount written in words)
−
Signature
−
MICR clear band
Note: Standardizing backgrounds ensures legibility of these items and prevents
obscuring date elements.
•
Conform to standards for MICR location (ANS X9.13) and printing (ANS X9.100-202006).
•
Do not create extraneous markings that may interfere with character recognition.
4326 6808–005
6–1
Personal and Business Check Design
Guidelines for Business-Size Checks
Business-size checks are larger than personal-size checks because of the need to
incorporate more data on the check. Difficulty in identifying each field affects the
automated reading and usability assessment of business checks. Locations and
formats used for amounts are defined in ANS X9.7 (refer to Appendix B). Figure 6–1
illustrates a business check that incorporates these design features.
Figure 6–1. Sample Business Check
Follow the guidelines below to ensure accurate image-based recognition of business
checks.
•
Obtain a copy of ANS X9.7 published by the American Bankers Association
(ABA).
Financial institution personnel should read and follow these standards to achieve
the proper check format. Ordering information is available in Appendix A.
•
Select paper with a safety tinted or patterned background.
Use visual textures or graphics to discourage fraud. Textured and graphic
backgrounds are difficult to forge and allow financial institution personnel to
recognize alterations to the amount field. Use a highly-reflective background
(light pastel color) for high contrast with printed data.
•
Do not use dark contrast lines for border of the amount box.
The printed amount is difficult to read if it touches a dark borderline. If a
borderline is required, design it to produce a dropout pattern with a PCS less
than 0.15.
•
Use the preprinted dollar symbol as recommended in ANS X9.7
Courtesy amounts out of alignment with the preprint dollar symbol degrade the
performance of character recognition software.
6–2
4326 6808–005
Personal and Business Check Design
Note: A preprinted dollar symbol is not a required design element if the check is
printed with the dollar symbol or asterisks before the numerical amount. If the
alignment of the dollar symbol and amount is a potential problem, then a preprinted
dollar sign should not be used.
•
Use leading symbols and trailing symbols as delimiters or fillers in amount fields to
prevent fraud.
Character recognition technology uses symbols to locate fields. Use asterisks and
multiple dollar symbols for leading symbols. Use the asterisk, plus, and dash
symbols for trailing symbols. The number of filler symbols used should not be
excessive.
•
Do not print words or alpha characters in the courtesy amount field.
4326 6808–005
6–3
Personal and Business Check Design
6–4
4326 6808–005
Section 7
Designing for Magnetic Ink Character
Recognition
Magnetic Ink Character Recognition (MICR) is the worldwide common machine language
specification for the paper-based payment transfer system. It consists of magnetic ink
printed characters in either E-13B or CMC-7 fonts. Characters of common MICR fonts
are shown in Table 7–1:
Table 7–1. MICR Fonts
Name
E-13B Symbol
E-13B
CMC-7
These fonts are recognized by high-speed magnetic recognition equipment. In the United
States the E-13B font is used on checks, deposit tickets, and other financial documents.
Table 7–2 gives the names and symbols of MICR font characters.
Table 7–2. MICR Font Characters
Name
E-13B Symbol
Name
One
Eight
Two
Nine
Three
Zero
Four
Transit
symbol
Five
Amount
symbol
Six
On-us
symbol
Seven
Dashsymbol
4326 6808–005
E-13B Symbol
7–1
Designing for Magnetic Ink Character Recognition
Printing and Test Specifications
The following guidelines apply to the printing and test specifications for MICR and the
format of the MICR line for checks and deposit tickets in the United States. Standards
of the American National Standards Institute (ANSI) related to MICR are listed in
Table 7–3. Use the most current revision available.
Table 7–3. List of ANSI Standards for MICR
ANS X9.13
Specifications for Placement and Location of MICR Printing
X9.100-20-2006
(previously
ANS X9.27)
Print and Test Specifications for Magnetic Ink Printing (MICR)
ANS X9.29
Check Carrier Envelope Specification
ANS X9.33
Specification for Bank Deposit Tickets
ANS X9.40
Check Correction Specification
X9/TG-2
Understanding and Designing Checks
X9/TG-6
Quality Control of MICR Documents
ISO – 1004
Information Processing – Magnetic Ink Character Recognition –
Print Specifications
ANS X9.100-140
Specifications for an Image Replacement Document (IRD)
MICR encoding and printing must be done with magnetic ink to be read in a MICR
recognition system. MICR characters are the only magnetic ink printing permitted in the
MICR clear and print band. The magnetic properties of the printing are critical to the
recognition process. Specific MICR font and magnetic ink printing requirements are
detailed in ANS X9.100-20-2006.
Note: Ink used to print non-MICR data on documents inside the MICR clear band area
must not contain magnetic material.
MICR Line Format
Documents designed to be read by magnetic ink character recognition must contain a
band along the bottom edge, which is reserved for magnetic encoding. This band is
divided into character spaces, which are organized into several areas or fields. Common
fields with a fixed format for all users are the amount field, routing field, and the optional
EPC field. A variable length field known as the on-us field, with format determined by
the needs of the issuing financial institution, appears between the amount and routing
fields. On documents of sufficient length another variable field, known as the auxiliary
on-us field, may appear on the extreme left side of the document.
7–2
4326 6808–005
Designing for Magnetic Ink Character Recognition
Note: Do not print routing numbers in the routing field on deposit tickets. This is in
direct conflict with the American Bankers Association Routing Number Policy revision of
1996. This revision allows for the use of regular routing numbers on paper checks, paper
drafts, and electronic transactions only. The policy reserves series 50xx through 59xx for
internal process control purposes. For more information, refer to the American Bankers
Association Routing Number Policy. Deposit tickets that do not conform to this policy
may be mistaken for checks. In addition, deposits accepted through ATM network
partners and other sources are affected.
Figure 7–1 shows E-13B MICR fields in a personal check.
Figure 7–1. MICR Fields
4326 6808–005
7–3
Designing for Magnetic Ink Character Recognition
Figure 7–2 shows CMC-7 MICR fields on a document.
Figure 7–2. Sample CMC-7 Document
MICR Clear Band
The MICR clear band is a horizontal band extending the full length of a document on its
front and back. It is 1.59 cm (0.625 in.) high and must not contain magnetic ink aside
from the E-13B font. This specification also applies to CMC-7 documents.
MICR Print Band
The MICR print band (or MICR encoding strip) is on the front of the document and
contains the E-13B characters. It is 0.635 cm (0.250 in.) high and located 0.4763 cm
(0.1875 in.) above the aligning edge. This specification also applies to CMC-7
documents.
Optical Clear Band
The optical clear band contains the MICR print band. The clear band is 0.762 cm (0.300
in.) high. It runs the length of a document for documents with no printed border or runs
between borders for documents with a border. The band is located 0.381 cm (0.150 in.)
above the aligning edge. Refer to Figure 8–1 for other specifications related to the OCR
scan area.
External Processing Code (EPC) Field
The external processing code (EPC) field is created by the insertion of one MICR digit
between the closing transit symbol of the routing field and the opening on-us symbol of
the auxiliary on-us field. This optional field has a one-digit capacity and is located to the
left of the routing field.
7–4
4326 6808–005
Designing for Magnetic Ink Character Recognition
Routing Field
The routing field contains the routing number bracketed by two transit symbols. The
transit symbol must not be used in any other field. The routing field is located between
10.9538 cm (4.3125 in.) and 14.446 cm (5.6875 in.) from the leading edge and is subject
to a ±1.5875 mm (0.625 in.) printing and cutting tolerance.
Note: A routing number separated into sets by a dash symbol may denote a check
from Canada or Mexico. For more information on the routing field structure, refer to the
American Bankers Association Key to Routing Numbers, Skokie, IL: Thomson Financial
Publishing.
On-Us Field
The on-us field is located between the amount field and the routing field and contains the
account number. A serial number and/or transaction code are optional and may appear in
this field.
Insert a blank space between the pre-printed on-us data and the post-encoded check
amount to avoid spacing problems. A blank space is placed left of the leftmost digit of
the transaction code in cases where the transaction and amount are simultaneously postencoded.
A common format for the on-us field consists of an account number and a check number
positioned to the right of the first on-us symbol. The on-us symbol may not be used in
any other fields. Formats may vary.
Note: A blank space is preferable to the dash symbol as a separator in the on-us field.
This avoids any transport failure to recognize the dash symbol.
Amount Field
The amount field consists of 10 digits bracketed by two amount symbols. The amount
symbol should not be used in any other field. The amount field is located between
0.635 cm (0.250 in.) and 4.763 cm (1.875 in.) from the leading edge. The rightmost edge
of the opening symbol is located 0.7938 cm (0.3125 in.) ±1.5875 mm (0.0625 in.) from
the leading edge.
Auxiliary On-Us Field
The auxiliary on-us field is bracketed by two on-us symbols and is located to he left of the
routing number or the EPC field, if present. The number of characters in this optional
field depends on the length of the document. The distance between the opening on-us
symbol and the closing transit symbol (or EPC digit) should not exceed 0.635 cm (0.250
in.). The distance between the closing on-us symbol and the document’s trailing edge
must be kept at a minimum of 0.3175 cm (0.125 in.). Ideally, the spacing should be
0.635 cm (0.250 in.).
4326 6808–005
7–5
Designing for Magnetic Ink Character Recognition
7–6
4326 6808–005
Section 8
Designing for Optical Character
Recognition
Optical Character Recognition (OCR) is the recording of data in high contrast (usually
black) printing on areas on documents with no background (white), low contrast
background, or non-read ink in the background. Commonly used OCR fonts, which can
be printed by most printing devices, include OCR-A and OCR-B. OCR-A is the most
reliable font for machine reading.
OCR read systems on Unisys document processing transports are designed to read
printing that conforms to the following ANSI/ABA standards:
•
Characters must be positioned per ANS X3.93M, Optical Character Recognition
(OCR) Character Positioning.
•
For OCR printing, follow ANSI INCITS 99-1983 (R2002), formerly ANSI X3.99-1983
(R1997), Guideline for Optical Character Recognition (OCR) Print Quality.
•
For optimal OCR reading, paper used for documents should adhere to standard
ANS X3.62, Optical Character Recognition (OCR) Papers.
OCR Fonts
Table 8–1 lists OCR fonts supported by Unisys.
Table 8–1. OCR Fonts Supported by Unisys
Numeric
Numeric
with
Symbol
Alphanumeric
OCR-A
X
X
X
OCR-B
X
X
X
OCR-A 1428
X
X
OCR-B 407/1403
X
X
E-13B
OCR-7B
4326 6808–005
Optical
X
X
8–1
Designing for Optical Character Recognition
Recommended OCR fonts are
•
OCR-A, OCR-A/1428, Size 1 at 10 characters per inch
•
OCR-B, OCR-B/407/1403M, Size 1 at 10 characters per inch
Table 8–2 shows the characters comprising common OCR fonts.
Table 8–2. OCR Fonts
OCR A
OCR B
E-13B
OCR-printed data is arranged in rows or code lines and is typically isolated from other
printed or handwritten data. The performance of OCR recognition technologies is directly
related to the quality of the printing since the characters are “read” optically and
compared to standard font shapes. OCR-printed data must be of high quality and kept
free from extraneous markings.
OCR-A is the recommended font for new applications, as the design of the font provides
unique characteristics that allow higher performance. Multi-font variants of 1428 OCR-A
and 407/1403 OCR-B can also be detected and read. In addition to OCR-A and OCR-B,
the OCR read subsystem can detect and optically read document code lines containing
E-13B fonts.
Recognition performance for OCR fonts is specified in terms of print quality. It complies
with tolerance range X, Y, Z as specified in ANS X3.99 (Rev. 1991). "Y" print quality or
better is recommended for optimum recognition performance. For optimal OCR reading,
paper used for documents should adhere to standard ANS X3.62-1979.
Notes:
•
Printer manufacturers should certify that character shapes meet the ANSI standards
referenced above.
•
Users must maintain print quality through proper printer maintenance to ensure
proper print quality.
OCR Document Design Requirements
Design specifications for OCR reading are listed below. Figure 8–1 illustrates the
position of elements in the OCR scan area on a document. (Refer to ANS X9.100-140 for
specifications applicable to an Image Replacement Document.)
8–2
•
Maximum scan line/field size: 80 characters
•
OCR printing: at least 0.635 cm (0.25 in.) from all document and field edges
•
OCR Clear Band (Scan Band)
4326 6808–005
Designing for Optical Character Recognition
•
−
Extend the full length of the document
−
Center line: 0.889 cm (0.350 in.) to 9.843 cm (3.875 in.) from the bottom of the
document
−
Minimum of 1.27 cm (0.500 in.) high
−
PCS level: 0.15 or less
ο
White background is preferred
ο
May contain non-read ink characters
−
Clear of stamps, handwriting, dirt, signatures, pencil marks, scratches, etc.
−
Scan Band: centered vertically within the clear band
ο
Height: 1.016 cm (0.400 in.)
ο
Must completely span the print area under all conditions of printer and
scanner registration
Bottom of print area: 0.635 cm (0.250 in.) from the bottom of the document
Top of the print area: no more than 10.16 cm (4.0 in.) from the bottom of the
document
•
Print area: 0.508 cm (0.200 in.) for OCR size 1 fonts with the printing optimally
centered in the print area
The printed field data/print area should begin at the right side (leading edge with
margin) of the document for optimal readability.
•
OCR fields located other than the right side of the document
If OCR fields are located other than the right side of the document, an OCR clear
area/scan band is required and should be extended to the right edge of the
document. If a clear area cannot be provided, a minimum clear field margin of
0.635 cm (0.25in.) is required to separate the field from any other document printing.
•
Avoid printing OCR characters in MICR read area, or else the MICR reader will
activate (because it will recognize characters there) and will misread the OCR
characters.
•
The following constraints apply to the type of ink used to print OCR-readable fields:
−
Ink must meet a minimum PCS of 0.60 with a MacBeth reflectance meter using
Filter C for optimum performance
−
Non-read inks used to print dropout color fields must not contain black
pigmentation (carbon) and should have PCS levels less than 0.15.
Note: This requirement also applies to any ink used as a background in the
clear band area. A white or clear background provides optimum readability.
−
4326 6808–005
Allowable colors for dropout fields are pale or pastel colors that are screened to
achieve a maximum PCS of 0.15. Preferred colors for OCR are from the red or
pink family. Example: Pantone 168 to 182.
8–3
Designing for Optical Character Recognition
•
Printing on the reverse side of the OCR clear band must be minimized
If printing on the reverse side of the OCR clear band is required, non-read ink should
be the first choice. Otherwise, the back printing minimum rear surface reflectance
should be less than 50 percent, as measured on a Macbeth, with Filter "C." This can
be obtained with proper choice of ink or printing with 40 or 50 percent screening.
Legend
1
Position the top of the print area a maximum of 10.16 cm (4 in.) from the bottom of the
document.
2
Position the bottom of the print area a minimum of 0.635 cm (0.25 in.) from the bottom of
the document centered in the clear band.
3
Print area
4
Position center line of print area a minimum of 0.889 cm (0.35 in.) from the bottom of the
document.
5
Center the scan band in the clear band.
6
Scan band
7
The clear band must be free of other printing such as lines, handwriting, and miscellaneous
characters.
8
Clear band
9
All OCR printing must be a minimum of 0.635 cm (0.25 in.) from all document edges.
Figure 8–1. OCR Scan Area
8–4
4326 6808–005
Designing for Optical Character Recognition
OCR Reader Limitations
The OCR readers have inherent limitations when all three readers (one for MICR and two
for OCR) are enabled:
•
The level 10 reader returns 75 characters per reader when all three readers are
enabled. It cannot read more even if the “strip leading edge spaces” flag is set.
•
The level 20 and 30 readers with Common API version 7.0 or higher return a
maximum of 96 characters per reader when all three readers are enabled. These
readers eliminate all leading edge spaces on the document when the “strip leading
edge spaces” flag is set.
Refer to the Common Application Programming Interface (CAPI) Programming Reference
Guide Help or the release notes for additional information.
4326 6808–005
8–5
Designing for Optical Character Recognition
8–6
4326 6808–005
Section 9
Designing for Barcode Reading
The OCR reader for the Source NDP, NDP Quantum, and NDP 850/1150 transports can
be configured to read barcodes. The fonts supported on these readers are shown in
Table 9–1.
Table 9–1. Barcode Fonts
Interleaved 2 of 5
Code 3 of 9
Barcode Specifications
The barcode must be machine-printed in a defined clear band. The minimum width of
each barcode element (bar or space) should be at least 0.254 mm (10 mils). Only one
barcode format per batch of documents is permitted per OCR reader. All barcodes
within a batch of documents must have the same vertical position with respect to the
bottom of the document for a particular OCR reader.
The barcode font replaces the OCR fonts for that reader. Thus to read both OCR and
barcode information, a dual OCR reader is required. In this case one reader is configured
for OCR fonts while the other reader is configured for barcode fonts. In order to
reconfigure a barcode reader for the reading of OCR fonts, reader software must be
downloaded followed by a reboot of the document processor.
The barcode reader scans multiple points within a 1.016 cm (0.4 in) tall band across the
document as a dedicated reader. It operates at track speed and maybe loaded in one or
two OCR readers, depending on the configuration. If software height selectable OCR
readers are used, varying barcode positions can be accommodated without operator
intervention.
4326 6808–005
9–1
Designing for Barcode Reading
Table 9–2 lists barcode print specifications.
Table 9–2. Barcode Print Specifications
Minimum width narrow black bar
0.254 mm (0.010 in. or 10 mils)
Minimum width narrow white bar
0.254 mm (0.010 in. or 10 mils)
Ratio of maximum black bar width to
minimum black bar width
2.5 :1
Ratio of maximum white bar width to
minimum white bar width
2.5 :1
Barcode Document Design Requirements
Design specifications for barcode reading are listed below.
•
Maximum scan line/field size: 80 characters
•
Barcode printing: at least 0.635 cm (0.25 in.) from all document and field edges
•
Barcode clear band (scan band)
•
−
Extend the full length of the document
−
Center line: 0.889 cm (0.350 in.) to 9.843 cm (3.875 in.) from the bottom of the
document.
−
Minimum of 1.27 cm (0.500 in.) high
−
PCS level: 0.15 or less
ο
White background is preferred.
ο
May contain non-read ink characters.
−
Clear of stamps, handwriting, dirt, signatures, pencil marks, scratches, etc.
−
Scan Band: centered vertically within the clear band
ο
Height: 1.016 cm (0.400 in.)
ο
Must completely span the print area under all conditions of printer and
scanner registration.
Bottom of print area: 0.635 cm (0.250 in.) from the bottom of the document
Top of the print area: no more than 10.16 cm (4.0 in.) from the bottom of the
document
•
Print area: 0.508 cm (0.200 in.) for OCR size 1 fonts with the printing optimally
centered in the print area
The printed field data/print area should begin at the right side (leading edge with
margin) of the document for optimal readability.
9–2
4326 6808–005
Designing for Barcode Reading
•
Barcode fields located other than the right side of the document.
If barcode fields are located other than the right side of the document, a barcode
clear area/scan band is required, and it should be extended to the right edge of the
document. If a clear area cannot be provided, a minimum clear field margin of
0.635 cm (0.25 in.) is required to separate the field from any other document
printing.
•
The following constraints apply to the type of ink used to print barcode-readable
fields:
−
Ink must meet a minimum PCS of 0.60 with a MacBeth reflectance meter using
Filter C for optimum performance.
−
Non-read inks used to print dropout color fields must not contain black
pigmentation (carbon) and should have PCS levels less than 0.15.
Note: This requirement also applies to any ink used as a background in the
clear band area. A white or clear background provides optimum readability.
−
•
Allowable colors for dropout fields are pale or pastel colors that are screened to
achieve a maximum PCS of 0.15. Preferred colors for OCR are from the red or
pink family (for example, a Pantone color of 168 or 169).
Printing on the reverse side of the barcode clear band must be minimized.
If printing on the reverse side of the barcode clear band is required, non-read ink
should be the first choice. Otherwise, the back printing minimum rear surface
reflectance should be less than 50 percent, as measured on a Macbeth, with Filter
"C." This can be obtained with proper choice of ink or printing with 40 to 50 percent
screening.
4326 6808–005
9–3
Designing for Barcode Reading
9–4
4326 6808–005
Section 10
Designing for Document Imaging
Imaging technology creates digital representations of documents that pass through the
transport. An imaging system captures electronic pictures of printed documents and
stores them as digital images. Under control of the application program, and depending
on the number of cameras used, images may be captured from the front, rear, or both
sides of the document.
CCITT Images
The CCITT (black/white) image subsystem for network document processors is designed
to provide feature retention of hand and machine printed information on documents that
meet the following conditions:
•
Print Contrast Signal (PCS) ratio of 0.30 or greater.
If data is to be read by OCR or ICR, it should be a PCS of 0.60 or greater.
•
Contiguous feature stroke widths are a minimum of 10 mils (.010 inch).
Figure 10–1 shows a CCITT image of a document.
Figure 10–1. CCITT Image
4326 6808–005
10–1
Designing for Document Imaging
Nominal Threshold
The Unisys algorithm for thresholding converts a gray-level image to a black and white
image and has 16 threshold settings ranging from 0 to 15. The choice of setting varies
the black pixels that are retained in the black and white image. The nominal threshold
setting is 8. Good document design produces good black and white images without
changing the threshold. If the PCS value is too low, the threshold value may need to be
lowered to improve the black and white image.
Red Filter Option
A red filter option is available on the Source NDP, NDP 250–600, and NDP Quantum
image platforms to enhance Image Character Recognition (ICR) applications by
minimizing or removing document background colors (for example, red-ink dropout
forms).
JPEG Images
Faithful representation, in the context of a JPEG image, is the presentation of the original
document in near-photographic form. The on-screen representation of the image should
be similar to a black-and-white photograph of the original document, with the following
exceptions. NDP image capture platforms are available with a standard color filter that is
designed to maintain a “reasonable facsimile” of the document when captured as a gray
level or black and white image. Figure 10–2 shows a JPEG snippet image of a
document.
Figure 10–2. JPEG Snippet Image
Notes:
•
10–2
Understanding that JPEG achieves image compression by introducing some
distortion into the image, artifacts may be created in the image rendition that are not
present on the physical paper document. For example, a "blocking artifact," which
exists as a result of the JPEG compression process, describes the tendency for 8-by8 pixel blocks to assume the same gray shade and to become apparent in the
displayed image. Despite this artifact, the displayed image should reproduce all the
distinguishable features of the original document including the legal and courtesy
amounts, signature, and endorsements. In addition, much of the document
background is present.
4326 6808–005
Designing for Document Imaging
•
The legibility of the information features is the primary pass/fail criterion for image
quality. Although issues with exactness and the aesthetics of the image may be
important, they are of secondary concern.
Character recognition rates can be affected by the following:
•
Document design, background patterns, background PCS, font sizes, character
shapes, handwriting, overlapping fields, ink colors, etc
•
Display or print resolution (zoom modes)
•
Physical document condition (free of tears, folds, wrinkles)
•
Equipment condition (properly maintained and free of dust and dirt)
•
Abuse of the equipment (mistreatment, bumping, jarring, etc.)
•
Physical condition and ability of the operator (vision, etc.)
•
Equipment configuration (filters chosen, display sizes, etc.) See comments on filters
below.
•
Application design, utilization, and manipulation of image data
•
Different threshold settings
Procedures for image quality evaluation can be accomplished using standard Unisys
service representative setup and test procedures. Unisys transports offer a complete
set of industry-standard image defect tests. Defect trends should be monitored to
correct issues before they impact operations.
Measuring Reflectance and PCS
Reflectance readings on paper and solid printing should be taken as follows:
•
The area being measured must be positioned over the light aperture of a reflectance
meter in such a way that the highest reading is obtained. Readings should be taken
at several points and averaged; the average figure should be reported as the final
reflectance value.
•
The screen dot being measured must be positioned over the light aperture so that
the lowest reading is obtained. The minimum reflectance occurs when the dot is
centered within the 0.203 mm (0.008-inch) diameter aperture of the measuring
equipment. Readings must be taken at several points and averaged; the average
figure should be reported as the final reflectance value.
•
PCS readings on solid-printed documents must be taken at several points and
averaged; the average figure should be reported as the PCS value.
•
PCS readings on screen-printed documents must be taken at several points and
averaged; the average figure should be reported as the PCS value.
•
PCS readings on combination solid- and screen-printed documents must be taken in
accordance with the methods described above. Readings must be taken at several
points and averaged; the average figure should be reported as the PCS value.
•
These measurements must be taken with print contrast measuring equipment such
as available from Macbeth (Model No. PCM II) or Moore Business.
4326 6808–005
10–3
Designing for Document Imaging
Handwriting or Printing on Documents
The print contrast level of handwritten or printed information must be greater than 0.60
PCS. Dropout forms should use dropout ink colors with a maximum PCS of 0.15. Care
must be taken to print in two colors or to select colors that when printed in full color will
exceed 0.60 PCS for fields to be read and when screened or halftoned will not exceed
the maximum PCS of 0.15. For example, print Pantone 356 in full color for a CAR dollar
sign and at a 10-percent halftone for the dropout boxes. If using the standard image
filter, a recommendation for dropout color is Pantone 250 printed at a maximum PCS of
0.15. If using the "red" filter, recommended dropout colors are Pantone 021, 169, 170,
172, 176, 177, or 178 printed at a maximum PCS of 0.15. Print vendors must select a
"screening" percentage that will yield the required PCS.
10–4
4326 6808–005
Section 11
Designing for Character Recognition
Unisys Character Recognition Software recognizes currency and alphanumeric data from
JPEG and CCITT images. It recognizes courtesy and legal amounts on both handwritten
and machine-printed documents. The software also recognizes intelligent character
recognition (ICR) lines. It has the ability to process mixed batches of
•
Personal checks
•
Business checks
•
Control documents
•
Non-financial documents
The American National Standards Institute (ANSI) has set standards for both the checks
and the devices used to process the checks. For optimum results, financial institutions
should insist that manufacturers conform to the ANSI X9.7 specifications for the bank
check background and convenience amount field.
When designing for character recognition, also refer as appropriate to Section 4,
“Internal and Teller-Generated Document Design;” Section 5, “Remittance Document
Design;” and Section 6, “Personal and Business Check Design.”
Forms Design for Character Recognition
The most important factor for successful automated character recognition is the correct
design of the forms and documents being processed. Follow the guidelines below when
designing forms for character recognition technologies.
•
Position data fields in the same location on documents.
•
Identify fields that are targets for character recognition with the appropriate currency
or field identification symbol, such as the dollar sign or an asterisk, to the left of the
field. Use only one dollar sign symbol on a document.
•
Use clear areas around data fields to avoid interference from characters in adjacent
fields.
•
Use a background with a PCS of 0.15 or less.
•
Backgrounds with a PCS of 0.15 or less do not interfere with the data content.
Data content should have a PCS of 0.60 or greater.
•
Use data entry boxes that “drop out” so they do not interfere with the recognition of
hand-written data.
4326 6808–005
11–1
Designing for Character Recognition
Unisys Default Courtesy Amount Field Location
Unisys character recognition systems require the document processing software to
identify the location of target fields on documents. Character recognition routines use a
code or amount number within the document code line to read the currency amount.
The default courtesy amount field location for personal and business checks is an area
6.858 cm (2.7 in.) wide, 4.572 cm (1.8 in.) high, located on the right edge of the
document, 2.54 cm (1 in.) from the bottom edge. See Figure 11–1.
Legend
A
6.858 cm (2.7 in.)
B
4.572 cm (1.8 in.)
C
2.54 cm (1 in.)
Figure 11–1. Default CAR Field Location
Note: Do not place multiple currency symbols within the target recognition area.
These symbols may prohibit the identification of the desired field.
11–2
4326 6808–005
Designing for Character Recognition
Field Identification Symbols
The following is a list of attributes for field identification symbols and related design
issues.
•
•
•
•
Amount field indicator such as the dollar symbol or other currency symbol (use only
one dollar sign symbol on a document)
−
Printed in solid ink
−
No screen
Other entry fields such as an asterisk
−
Printed in solid ink
−
No screen
Documents completed by user
−
Solid decimal point
−
Additional space to separate the dollars from the cents
Triangular shape indicator
−
Used as part of a screened pattern to separate the thousands fields.
Note: If teller machines are used to print the amount, no amount field indicators should
be preprinted on the documents.
Figure 11–2 shows the location of field identification symbols.
Figure 11–2. Field Identification Symbols
Note: Data entry boxes in this manual may appear darker or lighter than the specified
contrast levels.
4326 6808–005
11–3
Designing for Character Recognition
Dollar Symbol
The dollar symbol is used by character recognition systems to locate amount fields. It
must be located to the left side of the amount field, positioned perpendicular to the
aligning edge, and printed in a contrasting color to the background of the document to
ensure machine and visual recognition of the courtesy amount. Use only one dollar sign
symbol on a document.
The dollar symbol must be one continuous printed character containing a vertical line or
bar near its center. The symbol should be centered +0.38 mm (+0.015 in.) vertical to the
amount field boxes. Additional specifications are listed in Table 11–1.
Table 11–1. Dollar Symbol Specifications
Specification
Measurement
Height
3.81 to 5.08 mm (0.150 to 0.200 in.)
Width
2.54 to 3.06 mm (0.100 to 0.160 in.)
Stroke Width
0.33 to 0.50 mm (0.013 to 0.020 in.)
Preferred Aspect Ratio (Height to Width)
3:2
Acceptable Aspect Ratio
Not less than 1:1 nor greater than 2:1
Minimum PCS
0.60
Ink
24 percent reflectance
Figure 11–3 shows the location of the preprinted dollar symbol.
Legend
A
Spacing: 0.127 mm (0.005 in.) minimum, 0.381 mm (0.015 in.) preferred,
1.270 mm (0.050 in. ) maximum
B
Center line
C
Total deposit item entry rectangle
Figure 11–3. Preprinted Dollar Symbol Location
11–4
4326 6808–005
Designing for Character Recognition
The PCS of the preprinted dollar symbol, preprinted asterisk, and data entry box is
critical. It is measured using the minimum (lowest percentage) reflectance of the
background and the maximum (highest percentage) reflectance of the printed data.
Although black is preferred for the printing of dollar and other similar symbols, other
colors may be used.
Figure 11–4 shows dollar symbol PCS ratios.
Legend
A
Reflectance inside item entry rectangles should be a minimum of 60 percent.
B
Item entry clear areas should be printed with ICR non-read ink in a screened format
designed to drop out when image processed. Low-contrast borders should not
exceed a PCS of 0.15
C
Dollar symbols and decimal points printed with ICR read ink in a solid format are
designed not to drop out. They are read when image processed. These symbols
should have at least a 0.60 PCS.
Figure 11–4. Dollar Symbol PCS Ratios
4326 6808–005
11–5
Designing for Character Recognition
Data Entry in Compound Boxes and Fields
Specified fields in documents are composed of data entry boxes. Data entry boxes help
users space and size characters properly. They drop out from the image and do not
effect the Unisys character recognition system.
Data entry box spacing for handwritten data requires a pattern of five character boxes to
an inch. An exception to this is the spacing allowed for the decimal point area between
the dollars and cents in the amount fields. Data entry box dimensions are detailed in
Figure 11–5.
Legend
Data Entry Box Dimensions
Centimeters
Inches
A
Inside height
0.558
0.220
B
Inside width
0.450
0.177
C
Box to box spacing
0.508
0.200
D
Vertical guideline width
>0.101
>0.040
E
Horizontal guideline width
>0.101
>0.040
F
Guideline width between dollars and cents
0.254
0.100
G
Decimal point diameter
0.076 - 0.127
0.030 - 0.050
Figure 11–5. Data Entry Box Dimensions
11–6
4326 6808–005
Designing for Character Recognition
Figure 11–6 shows clearances between two read areas.
Legend
Centimeters
Inches
A
0.508
0.356 min
0.200
0.140 min
B
0.508
0.356 min
0.200
0.140 min
C
0.290
0.203 min
0.114
0.080 min
D
0.589
0.457 min
0.220
0.180 min
Figure 11–6. Clearances Between Two Read Areas
4326 6808–005
11–7
Designing for Character Recognition
Machine-Readable Document Identification Codes
All internal documents require a means of identification. Document identification assists
the system in determining the type and location of the data to be read. This information
enhances the read performance and throughput of the character recognition process.
Document identification may be accomplished by using a machine-readable code line of
characters to classify the documents for processing.
Financial institutions define the numbering convention and location the identification
code line for internal documents. They may use the 5000 series of numbers in the
routing transit field or add a transaction code to some document types.
Search String
Follow these design guidelines for printed text (machine-printed characters) to be
searched using a search string:
•
Minimum character height of 1.8 mm (0.0709 in.)
•
Maximum character height of 4 mm (0.1575 in.)
•
No space between the text and other information at the start and end of the string
Mark-Sense Field Design Considerations
A mark-sense field is a check box or other enclosed shape that can be marked by the
user. The field may be a circle, oval, square, rectangle or other enclosed shape. The
shape should be printed in dropout ink (see “Ink” above). There should be no preprinted marking (such as a check mark) inside the shape. Figure 11–7 shows sample
mark-sense fields.
Figure 11–7. Sample Mark-Sense Fields
The following considerations and suggestions apply to designing a mark-sense field for a
document:
11–8
•
There are no size restrictions, but a reasonable size for a mark-sense field is about
1/4 inch square. This is large enough so that the person completing the form could
place an entire mark in the box without the box being too large.
•
A square mark-sense box is best. But other shapes (such as bubbles) work,
although generally they are not preferred.
4326 6808–005
Designing for Character Recognition
•
Using only one dropout ink color is best, but only if the ink color truly drops out.
Sometimes slight variations in color may result in some mark-sense boxes dropping
out while others do not. If dropping out the ink is too expensive or difficult, a dark
solid border is best. The border should not be too thick or thin. The width of a line
equivalent to a typical, medium-point pen is good. If the line is too thin, it can break
up. If it is too thick, it can interfere with the pixel tally.
•
Avoid placing anything inside the mark-sense box such as a dropout "X" indicating
where to mark. If the mark does not drop out, it can introduce recognition problems.
Examples of Using Design Requirements
Examples of several sample documents are shown in this section to illustrate the use of
the design requirements. Figure 11–8 shows a sample form that incorporates the design
features discussed previously.
Legend
1
Preprinted identification symbols assist in locating the correct fields.
2
Low-contrast half-tone pattern boxes are used for the data entry information.
3
Preprinted indicators are used to separate thousands fields, and a decimal point is placed
between the dollar and cents fields.
4
Machine-readable document ID code is printed in the code line.
Figure 11–8. Sample Document
4326 6808–005
11–9
Designing for Character Recognition
The design shown in Figure 11–9 includes a border between the detailed information and
the specified data field to help prevent infringement from the information. Provide as
much vertical space as possible.
Figure 11–9. Sample Personal Deposit Document
Figure 11–10 shows a sample payment coupon.
Figure 11–10. Sample Payment Coupon
11–10
4326 6808–005
Designing for Character Recognition
Figure 11–11 shows a sample business deposit ticket.
Figure 11–11. Sample Business Deposit Ticket
4326 6808–005
11–11
Designing for Character Recognition
11–12
4326 6808–005
Appendix A
Document Processing Specifications
This appendix gives specifications for processing documents on various Unisys
transports. For additional information about the capabilities and features of Unisys
transports, refer to the appropriate Capabilities Overview listed in “Related Product
Information” in Section 1.
Single Pocket Encoder
The Unisys Single Pocket Encoder is designed to process documents within the
specifications listed in Table A–1.
Table A–1. Single-Pocket Encoder Document Specifications
Minimum
Maximum
Transportable length in cm (in.)
11.43 (4.50)
22.86 (9.00)
Transportable height in cm (in.)
6.35 (2.50)
11.43 (4.50)
1.5:1
3:1
Length to Height Ratio
UEC 6000/7000 Scanners
UEC 6000/7000 scanners are designed to process documents within the specifications
listed in Table A–2.
Table A–2. UEC 6000/7000 Document Specifications
Minimum
Maximum
Transportable length in cm (in.)
11.18 (4.4)
22.86 (9.0)
Transportable height in cm (in.)
5.49 (2.16)
10.16 (4.0)
Thickness in mm (in.) for singleply standard paper
0.09 (0.0035)
0.15 (0.0055)
30 (8) “thermal” paper
163 (100) card stock
--
--
5.49 (2.16)
10.16 (4.0)
Weight in g/m2 (lb.)
Length to height Ratio
Image height at 200 dpi in cm (in.)
4326 6808–005
A–1
Document Processing Specifications
MyVision X Scanners
MyVision X scanners are designed to process documents within the specifications listed
in Table A–3.
Table A–3. MyVision X Document Specifications
Minimum
Maximum
Transportable length in cm (in.)
7.98 (3.14)
23.50 (9.25)
Transportable height in cm (in.)
5.38 (2.12)
10.59 (4.17)
0.09 (0.0035)
0.15 (0.0055)
Weight in g/m2 (lb.)
60 (16)
120 (32)
Length to height Ratio
1.5 : 1
--
5.38 (2.12)
10.60 (4.17)
Thickness in mm (in.) for single-ply
standard paper
Image height at 200 dpi in cm (in.)
Source NDP
The Unisys Source Capture Network Document Processor (Source NDP) is designed to
handle standard documents and giros according to the document specifications given in
Table A–4.
Table A–4. Source NDP Document Specifications
Minimum
Maximum
11.40 (4.50)
23.50 (9.25)
7.00 (2.75)
12.7 (5.0)
6.98 (2.75)
11.43 (4.50)
Length to height Ratio
1.5:1
3:1
Thickness in mm (in.)
0.09 (0.0035)
0.15 (0.006)
75 (20)
90 (24)
--
155 (95)
Transportable length in cm (in.)
Transportable height in cm (in.)
1
Image height at 240 dpi in cm (in.)
Paper weight in g/m2 (lb.)
Card stock weight in g/m2 (lb.)
1,2
1
The design height of a document must not only take into account the maximum
transportable height and maximum image height as specified, but must also take
into account any height that is added by a document carrier or correction strip. Refer to
Table 3–3.
2
The image height or vertical field of view is measured from the bottom of the
transport track, assuming zero document skew or “ride up.”
Note: Holes up to 0.9525 cm (0.375 in.) are allowed in documents processed with a
Source NDP transport.
A–2
4326 6808–005
Document Processing Specifications
NDP 250–600 and NDP Quantum Transports
The NDP 250–600 and NDP Quantum transports are designed to process documents
within the specifications listed in Table A–5.
Table A–5. NDP 250–600 and NDP Quantum Document
Specifications
Minimum
Maximum
12.40 (4.88)
23.50 (9.25)
13.97 (5.50)
23.50 (9.25)
7.00 (2.75)
12.06 (4.75)
6.98 (2.75)
11.48 (4.52)
6.98 (2.75)
10.160 (4.00)
0.09 (0.0035)
0.15 (0.006)
75 (20)
90 (24)
--
160 (43)
1.5:1
3:1
Transportable length in cm (in.)
Primary feeder
Secondary feeder
Transportable height in cm (in.)
1
Image height at 200 dpi in cm (in.)
1,2
Image height at 240 dpi in cm (in.) for
1,2
upstream imaging
Thickness (caliper) in mm (in.)
3
Weight in g/m2 (lb.) for paper
Weight in g/m2 (lb.) for card stock
Length to height ratio
4
1
The design height of a document must not only take into account the maximum
transportable height and maximum image height as specified, but must also take
into account any height that is added by a document carrier or correction strip. Refer to
Table 3–3.
2
The image height or vertical field of view is measured from the bottom of the transport
track, assuming zero document skew or “ride up.”
3
For paper weights 90 g/m2 (24 lb.) or greater, the grain can lie on either axis of the
document. For lighter papers, the grain must lie along the length of the document for
optimum paper handling. Lightweight, short grain paper will degrade the stop rate
performance of the transport.
4
Documents up to a maximum extreme card-stock weight of 171 g/m2 (105 lb.) can be
placed in the primary feeder and processed, but with an expected stop rate degradation of
10 to 20 percent. This document weight is not recommended for the secondary feeder.
Note: Holes up to 0.9525 cm (0.375 in.) are allowed in documents processed with an
NDP 250–600 or NDP Quantum transport.
4326 6808–005
A–3
Document Processing Specifications
NDP 850–2000 Transports
The NDP 850–2000 transports are designed to process documents within the
specifications listed in Table A–6.
Table A–6. NDP 850-2000 Document Specifications
Minimum
Maximum
Primary feeder
14.61 (5.75)
23.50 (9.25)
Secondary feeder
15.20 (6.00)
22.86 (9.00)
6.35 (2.50)
12.06 (4.75)
--
11.48 (4.52)
0.08 (0.003)
0.18 (0.007)
75 (20)
90 (24)
--
160 (43)
1.6:1
3:1
--
10.16 (4.00)
--
10.67 (4.20)
Transportable length in cm (in.)
Transportable height in cm (in.)
1
Image height at 200 dpi in cm (in.)
Thickness in mm (in.)
2
Weight in g/m for paper
2
3
Weight in g/m for card stock
4
Length to height ratio
OCR height for NDP 850-1150
5
OCR height for NDP 1600-2000
5
1,2
1
The design height of a document must not only take into account the maximum
transportable height and maximum image height as specified, but must also take into
account any height that is added by a document carrier or correction strip. Refer to
Table 3–3.
2
Heights are measured from the bottom of the transport track assuming zero document
skew or “ride up.”
3
For paper weights 90 g/m2 (24 lb.) or greater, the grain can lie on either axis of the
document. For lighter papers, the grain must lie along the length of the document for
optimum paper handling. Lightweight, short grain paper will degrade the stop rate
performance of the transport.
4
Documents up to a maximum extreme card-stock weight of 171 g/m2 (105 lb.) can be placed
in the primary feeder and processed, but with an expected stop rate degradation of 10 to 20
percent. This document weight is not recommended for the secondary feeder.
5
Because OCR is not concerned with reading the full height of a check, OCR is not a
consideration when determining the maximum document height.
Note: Holes up to 0.476 cm (0.1875 in.) are allowed in documents processed with an
NDP 850–2000 transport, but no more than three holes are allowed in a document, 80column punch cards excluded. .
A–4
4326 6808–005
Appendix B
Paper Weight and Grain Direction
Paper weight and grain direction are key factors that affect the capability of a document
transport to properly process documents.
Definitions
2
Metric paper weights are quoted in grams per square meter (g/m ). Non-metric paper
weight (or formally, “basis weight”) varies according to the type of paper. For example,
the basis used for bond paper is a ream of 500 sheets at 17- by 22-inches, which weighs
24 pounds and thus has a paper weight of 24 pounds.
Grain direction is the direction of fiber alignment on a sheet of paper. Each time paper is
cut, grain direction has the potential to change. So it is important to specify how the
paper is cut.
Specifications for Document Processing
For document processing in a Source NDP, NDP 250–600, NDP Quantum, or NDP 850–
2000, a minimum paper weight of 20 pounds is recommended when the grain runs
parallel to the length of a document (“long grain”). When the grain runs parallel to the
height of a document (“short grain”), a minimum paper weight of 24 pounds is
recommended.
Checks and other documents processed on automated equipment should have grain
perpendicular to the advancing edge (parallel to the direction of travel). The added
stiffness generally improves document processing.
Determining Grain Direction
Determine grain direction by performing a simple test. Dampen one side of the
document, which weakens one side of the paper causing it to curl. The paper curls
around the axis of the grain direction:
•
Long grain (preferred) documents curl along the length from top edge to bottom
edge. The grain direction runs along the horizontal axis of the item.
•
Short grain documents curl along the vertical axis from leading edge to trailing edge.
The grain direction runs along the vertical axis of a short-grain document.
4326 6808–005
B–1
Paper Weight and Grain Direction
Creating Documents from Paper Stock
It is common to create documents from 8.5- by 11-inch sheets by cutting sheets into
thirds (a “tri-cut ream”). It is also common to create detachable payment coupons (or
stubs) from the top or bottom third of an 8.5- by 11-inch sheet. Grain direction and paper
weight are important considerations when sectioning sheets into thirds. Examples of
documents created in this fashion include payment stubs, control tickets, or checks from
a home PC application.
The second number that refers to sheet size, for example, “11” in 8.5 by 11 inches,
normally indicates the grain direction and is often underlined on packaging. Typically,
8.5- by 11-inch sheets are cut so that the grain parallel to the 11-inch side. Such longgrain paper is commonly used for xerographic and bond paper. If 8.5- by 11-inch, longgrain sheets are subsequently cut into thirds (three, equal-size documents measuring
3.67 by 8.5 inches), the resulting sheets are short grain with the grain perpendicular to
long dimension of the “new” sheet. The grain direction should always be confirmed by
using the test described above in “Determining Grain Direction.”
When cutting paper into thirds or, as illustrated in Figure B–1, using one third of a sheet
as a tear-off stub, always use at least 24-pound stock for acceptable high-speed
processing of what is now a short-grain document. Paper of a lesser weight is more
prone to track jams from curling against track walls. Increased humidity increases the
effect. A common mistake leading to processing problems is to use 20-pound paper for
documents that have a tear-off as shown in the figure.
Specify 24-lb,
long-grain
8.5-by 11-inch
bond.
Figure B–1. Grain Direction and Paper Weight Selection
B–2
4326 6808–005
Appendix C
Ordering U.S. Document Design
Standards
The standards shown in this section apply to the design, production, and use of checks
within the United States of America. The Accredited Standards Committee, X9, is
charged with the responsibility of establishing and maintaining standards and guidelines
for the financial community. These standards and guidelines are approved by the
American National Standards Institute. When the standards referred to in this document
are superseded by a revision approved by the American National Standards Institute, the
revisions shall apply.
Order X9 standards, guidelines, draft standards for trial use, or an X9 catalog from the
American National Standards Institute (www.ansi.org).
4326 6808–005
C–1
Ordering U.S. Document Design Standards
C–2
4326 6808–005
Index
A
Amount field, 7-5
Asterisk, 11-5
ATM envelopes, 4-6
Automated document processing, 5-1
Auxiliary on-us field, 7-5
B
Barcodes, 9-1
Bottom edge, 2-4
Business checks, 6-2
Business deposit ticket, 11-11
External processing code, 7-4
Extraneous markings, 2-5
F
Field identification symbols, 11-3
Forms and documents, 2-1
G
Giro specifications, A-2
Grain direction, B-1
H
C
Halftone printing, 3-5
CAR field, 11-2
CCITT images, 10-1
Character recognition design, 11-1
Check 21, 1-1
Contrast requirements, 2-6
Courtesy amount field, 11-2
I
Image Replacement Document, 1-1
Implementation, 2-6
Internal documents, 4-1
IRD, 1-1
D
Data entry box, 11-6
Design requirement examples, 11-9
Document design, 2-1
Document identification codes, 11-8
Document processing environments, 2-2
Document specifications, A-2
Dollar symbol, 11-4
Dropout areas, 3-5
Dropout ink, 11-9
J
JPEG images, 10-2
JPEG read rates, 10-3
L
Leading edge, 2-4
E
Edges, 2-3
4326 6808–005
Index–1
Index
M
Mark-Sense field design, 11-8
MICR clear band, 7-4
MICR encoding strip, 7-4
MICR fonts, 7-1
MICR line format, 7-2
MICR print band, 7-4
MICR print specifications, 7-2
O
OCR fonts, 8-1
OCR reader limitations, 8-5
OCR-printed data, 8-2
On-us field, 7-5
Optical Character Recognition, 8-1
Optical clear band, 7-4
Ordering design standards, C-1
Specifications
black band documents, 4-4
control ticket, 4-3
document sizes, 3-4
documents and giros, A-2
general paper specifications, 3-2
paper, A-2
punch card, 3-3
Stubs, payment, 5-1
Surface, 2-4
T
Teller-generated documents, 4-2
P
Paper, 3-1
Paper specifications, A-2
Paper weight, B-1
Payment coupon, 11-10
Payment stubs, 5-1
PCS ratios for symbol, 11-5
PCS value, 10-3
Personal checks, 6-1
Personal deposit document, 11-10
Print contrast, 10-4
Printing inks, 3-5
R
Read area clearance, 11-7
Reflectance, 11-5
Reflectance readings, 10-3
Remittance documents, 5-1
Routing field, 7-5
S
Scope of guidelines, 1-1
Search string, 11-8
Sequence number, 2-5
Index–2
4326 6808–005
© 2006 Unisys Corporation.
All rights reserved.
*43266808-005*
4326 6808–005