Source Technologies ST9510 Fax Machine User Manual
Contents
1. SOURCE TECHNOLOGIES EET 519510 Secure MICR Printer User s Guide 2006 Source Technologies All rights reserved Written and produced by Source Technologies March 2006 Source Technologies 2910 Whitehall Park Drive Charlotte NC 28273 www sourcetech com techsupport sourcetech com 800 922 8501 SOURCE TECHNOLOGIES SESE Sw This manual serves as a reference for Source Technologies Secure MICR Printer This manual should be used as a reference for learning more about MICR technology and developing MICR printing applications This guide was produced to assist IS Technicians and Engineers in the integration of Source Technologies programmed printers with their custom MICR applications The guide also contains information on MICR related error messages that post to the operator panel Every effort has been made to ensure that all the information contained in this booklet is complete and accurate Changes typos and technical inaccuracies will be corrected in subsequent publications This publication is subject to change without notice The information and descriptions contained in this manual cannot be copied disseminated or distributed without the express written consent of Source Technologies Inc No liability expressed or implied will be assumed by Source Technologies Inc or its dealers or affiliates for any damage resulting from use of this information Additional copies of this publication can be received2. Error Messages A majority of the printer error conditions are documented in the User s manual for the printer The following are additional error conditions related to the ST Secure MICR printer Toner Low The printer will stop with Error and Press Button lights on at the first indication of toner being low Press the button and the printer will return to Ready and continue printing The Toner Low light will be on steady While in the toner low state the printer will stop again on power cycles and other situations such as jams or paper out conditions Simply press the button to continue printing The low toner condition will continue until the cartridge is replaced or Toner Out is reached Toner Out After approximately 500 pages beyond the first Toner Low condition the printer will stop printing and display a Toner Out condition Both the Toner Low light and the Error light will blink All other lights will be off You must replace the cartridge to continue printing E Ready Data Off T Toner Low On k Load Paper Off Paper Jam Off Error Blinking L Blue Button off The 250 pages are based on a printing coverage percentage of 5 per page average If actual printing uses less toner the stop will occur after 250 pages If the actual printing uses more toner the stop will occur short of 250 pages Actual toner usage determines TONER OUT Load MICR Toner The ST Secure only supports MICR toner cartridges in its normal configuration
3. PUL COMMAND OA PUL COMMAND 0A UEL or ENTER LANGUAGE The normal printer action to any format problems or missing or extra symbols is to ignore the PJL command This does make troubleshooting format errors difficult Have patience Note Density and EconoMode PJL commands are ignored by the ST9510 PCL Font Call Commands After PJL has unlocked the MICR FLASH resources the ST9510 uses standard PCL5e commands to print The five resident Source Technologies MICR font resources are all bitmapped fonts and therefore cannot be scaled larger or smaller than the bitmapped images These fonts can be called by either a PCL Font Selection String or by their ID The commands are ELB MICR FONT lt ESC gt LOO lt ESC gt sOp8h v0s7b360T The S lection String lt ESC gt 30802X The ID Call SECURE NUMERIC lt ESC gt 160C lt ESC gt S0PSH36 21VUS LIZT The Selection String lt ESC gt 30043X The ID Call ICR SECURE aoe 1OESG slolZ2y70Ss0b 1 TOT The Selection String lt ESC gt 30066X The ID Call CMC7 MICR FONT lt ESC gt 14Y lt ESC gt s0p8h8v0s0b361T The Selection String lt ESC gt 30803X The ID Call MICR FONT NOTE The E 13B and CMC7 Fonts are 8 characters per inch To position correctly at an exact 8 characters per inch the printer must be set to an internal Unit of Measure of 600 DPI or greater or must have a horizontal motion index command at 8 CPI be issued after the font call This is true even if the base printer is at 600
4. ST Secure MICR Printer User s Guide 7 2006 Source Technologies March 2006 All Rights Reserved 3 MICR Check Design General Features of Check Desiqn To be a legal and negotiable document the necessary elements required on a check are the date amount payee drawee institution and payer s signature Other elements included in a good check design are the amount in words account title check serial number fractional routing number and MICR line A good check design contains security features and is formatted to be easily read by both machines and the human eye If the format is complicated the depositor bank employee or reader sorter machine may make an error in reading the data Position and Dimension Gauge A MICR position and dimension gauge Source Technologies part number 205 1000MGE or 220 M1027 34 is an important tool for use in designing checks During check design check your output against this gauge to determine if the data elements are correctly positioned on your document Design Elements in Detail Paper The ideal paper for check production is 24 Ib laser bond Our MICR lab has tested paper stock from most major manufacturers and has compiled a list of products that produce superior results Contact your sales representative for this information For a fee Source Technologies will test your paper for proper MICR adherence and check reader sorter performance There are also many security features available to
5. This prevents the printing of MICR documents with standard toner If configured to support both MICR and standard cartridges the PJL MICRJOB command checks the cartridge type and will prompt the operator with the following pattern to load MICR toner if not present Ready Data Off al Low Toner Blinking k Load Paper Off Paper Jam Off Error On Cp Blue Button Blinking Unsupported Print Cartridge ST Secure MICR Printer User s Guide 24 2006 Source Technologies March 2006 All Rights Reserved Ready Data Toner Low Load Paper Paper Jam Error Blue Button Off Off Off On Off The following light pattern indicates the cartridge is not supported in this specific printer Replace with a supported cartridge type ST Secure MICR Printer User s Guide March 2006 25 2006 Source Technologies All Rights Reserved 8 MICR Command Example Figure 8 1 is an illustration of an Accounts Payable check and remittance information The page used a PCL MACRO for the static data and background design This manual does not address MACRO design and programming but the variable text information including all the PJL and PCL commands used to print the example are on the page following the sample check For illustrative purposes there are some extra spaces in the text preceding the printable data The following paragraphs describe the command functions The commands are a minimal set chosen to produce the example Please
6. DPI The default character positioning is at 300 DPI and 8 into 300 is 37 5 pixels The printer will either round down to 37 or up to 38 pixels causing characters to creep To resolve this there are multiple options ST Secure MICR Printer User s Guide 21 2006 Source Technologies March 2006 All Rights Reserved 1 If you are using a printer driver that is set to 600 DPI the printer data stream should include a Unit of Measure PCL command set to 600 The command is lt ESC gt amp u600D 2 If the application controls the printer data stream add the Unit of Measure command early in the data stream The command also affects X amp Y positioning commands Add lt ESC gt amp u600D 3 After calling the E 13B MICR font issue a HMI Horizontal Motion Index command set to 8 characters per inch The command must be included with every E 13B MICR font call using either the Selection String or ID call The command string is lt ESC gt 100 lt ESC gt S0pShSvIS b360T lt ESOCl kl OH font data The Selection String lt ESC gt 30802X lt ESC gt amp k15H font data The ID Call See Font Mapping Appendix pages for specific character set data for each font PJL INFO MICR COMMAND The ST Secure MICR Printer supports an optional custom bi directional PJL Inquiry Command The command provides printer information and cartridge information for network management The command format is PJL INFO MICR The command should be sent with UEL Universa
7. NET AMOUNT Check No 123456 xx xx xxxx 1 234 56 NON NEGOTIABLE 2006 Source Technologies All Rights Reserved PJL and PCL commands used to print the sample check lt ESC gt 12345X PJL LDECLARE LRESOURCE flash LRWLOCK PASSWORD PJL MICRJOB PJL ENTER LANGUAGE PCL lt ESC gt amp l2a1h6d1e64F lt ESC gt amp u600D lt ESC gt amp f100y3X lt ESC gt s4099t0b10H lt ESC gt p300x600Y xxxxxxxxx XX XX XXXX X XXX XX 3 X XXX XX lt ESC gt p300x2775Y XXXXXXXXX XX XX XXXX X XXX XX 3 X XXX XX lt ESC gt p3250x75Y lt ESC gt s4099t3b8H 123456 lt ESC gt p3250x2200Y 123456 lt ESC gt p4250x4450Y 123456 lt ESC gt p3650x4775Y xx xx xxxx lt ESC gt p400x5225Y lt ESC gt s4099t0b15H xxxxx Thousand xxxxx Hundred xxxxx Dollars and xx 100 Cents lt ESC gt p600x5600Y lt ESC gt s10H ABC TOOL amp DIE lt ESC gt p600x5700Y 123 Main Street lt ESC gt p600x5800Y Yourcity ST 12345 6789 lt ESC gt p900x6325Y lt ESC gt 30802X lt ESC gt amp k15H 01234560 1123456780T 12345D6 78900 lt ESC gt p1500x5100Y lt ESC gt 30043X 1 234 56 lt ESC gt p3650x5400Y lt ESC gt 30066X 1 234 56 lt 0C gt Form Feed lt ESC gt 12345X PJL LDELETEPASSWORD LRESOURCE flash lt ESC gt 12345X ST Secure MICR Printer User s Guide 28 2006 Source Technologies March 2006 All Rights Reserved Appendix A E13B MICR Font Mapping MICR Font Description Character I 8 9 Example Amount Sym
8. This is discussed in more detail in Section 7 MICR Commands In addition to the secured font resources the printer has been internally modified to ensure high quality printing with MICR toner Specific print densities transfer voltages and fusing temperatures are factory pre set The ST Secure MICR printer only supports Source Technologies MICR Toner cartridges MICR Fonts The E 13B MICR font designed specifically for the printer is resident in Flash memory in your printer Examples of the font characters are in the Appendix A of this manual The font can only be activated after the appropriate PUL commands with the correct PASSWORD have been sent to the printer The alternative MICR Font CMC7 used in certain countries is also resident in Flash memory Secure Fonts Two Source Technologies designed numeric secure fonts Secure Numeric and ICR Secure Numeric are resident and password protected in Flash memory in your printer Examples of these fonts are in the Appendix B of this manual Like the MICR font these fonts can only be accessed after sending PUL commands with the correct PASSWORD from your application software The ICR Secure Numeric Font is designed for use in the Convenience Amount area of a check This area contains the numeric dollar value and is located on the right side of the check approximately 2 inches up from the bottom edge The imaging recognition features available in today s check reader sorter equip
9. numbers and symbols printed in a MICR font with magnetically chargeable toner Each character of the MICR font has a unique waveform when sensed magnetically Financial institutions and the Federal Reserve use the MICR line to identify and sort checks The high speed automated processing of checks and other financial documents depends on the accuracy and the integrity of the data printed in the MICR line Your new Source Technologies Secure MICR Printer is specifically designed to produce high quality MICR documents The Check Processing System As a MICR document travels through the check clearing system it is processed an average of almost seven times by high speed reader sorter machines Some checks are read up to 30 times or more by these machines Reader sorter machines charge the toner in the MICR line and then read the line with a magnetically sensitive reader The MICR line contains numbers and symbols to indicate the check serial number the routing number of the drawee institution and the makers account number The institution of first deposit encodes the check amount in the MICR line to be read by the reader sorter equipment Checks travel through reader sorters at up to 20 miles per hour 2 400 documents per minute with each MICR line read in three hundredths of a second MICR Printing Today Congress established the Federal Reserve System FRS in 1913 Today most commercial banks in the United States belong to the FRS Many other
10. Order Of The payee data should not enter the MICR clear band which extends 5 8 of an inch above the bottom of the check Signature Area A signature is a required element for a negotiable document The signature or signatures authorize the bank to honor the check therefore it must match the bank s records The signature area should be beneath the convenience amount area but the signatures should not enter the convenience amount area nor the MICR clear band This is especially true if you print the signature with MICR toner Drawee Institution Name The name of the institution where the maker s account is located is referred to as the drawee institution The bank s name city and state are required Account Title The account title is normally printed in the upper left corner of the check It includes the name of the account holder and other information such as addresses telephone numbers and logos The data in the title should be legible and sufficiently complete so that if the MICR data account number is destroyed the drawee institution can refer to the account title in order to trace the account number Memo Line This line is located in the lower left quadrant of the check and is not required Data printed here does not contain any legal significance Printing in this area with magnetic toner should not extend downward into the MICR clear band which is 5 8 of an inch above the bottom of the check Check Serial Number The
11. aid in the overall security of your MICR documents See Chapter 5 Security Issues for more information on check stock specifications and security features Size The size of check documents must be e Between 6 00 inches and 8 75 inches in length e Between 2 75 inches and 3 66 inches in height We recommend standard 8 5 X 11 letter size stock or 8 5 X 14 legal size stock for proper feeding through your ST Secure MICR Printer The number of checks per page is determined by your application Custom size stock other than letter or legal can be done with proper planning and application programming within the paper size specifications for the base printer MICR Clear Band The MICR clear band is an area at the bottom of the check where the MICR line prints No other magnetic printing should appear in this area on both the front and back of the document The clear band is an area 0 625 5 8 inches high from the bottom of the check running the entire length of the check Exact MICR line placement in this area is very important See Figure 3 1 page 12 for more information on MICR line placement ST Secure MICR Printer User s Guide 8 2006 Source Technologies March 2006 All Rights Reserved Data Elements Date The date is a required data element for a check It represents the day on or after the transfer of the check amount may take place It is usually placed in the upper right portion of the check so it does not interfere with the con
12. ample bS 3 agen PPTI ae y Ao JA un a TE Bal ees rus Osse AST sits wy i D NOTE The secure fonts in the example are magnified for purposes of clarity ST Secure MICR Printer User s Guide 31 2006 Source Technologies March 2006 All Rights Reserved Appendix C ICR Secure Numeric Font Mapping Description Alpha Numeric Hex Value Character Character Zero 0 30 One 1 31 fi Two 2 32 Pa Three 3 33 4 Four 4 34 by Five 5 35 gt Six 6 36 6 Seven 7 3 r Eight 8 38 R Nine 9 39 Q Asterisk 2A vr Comma 2C Period 2E im Dollar Sign 23 NOTE The secure fonts in the example are magnified for purposes of clarity ST Secure MICR Printer User s Guide 32 2006 Source Technologies March 2006 All Rights Reserved Appendix D CMC7 MICR Font Mapping Description Alpha Numeric Hex Values CMC7 Font Characters H Values1 Zero 0 30 I One 1 31 LI Two 2 32 p in I 1 Three 3 33 HE Four 4 34 in Wil Five 5 35 we LIE LIE Six 6 36 I I il Seven 7 37 Hi Eight 8 38 lil Hl Hl Nine 9 39 TH Colon 3A Ii ST Secure MICR Printer User s Guide 33 2006 Source Technologies March 2006 All Rights Reserved Semi Colon 3B N Less Than lt 3C I I IHI I 2D Ha iil fl TT he CMC7 Font in the example above is magnified for purposes of clarity Equal V Greater Than ST Secure MICR Printer User s Guide 34 2006 Source Technologies Mar
13. bol Transit Symbol On Us Symbol Dash Symbol Zero One Two Three Four Five Six Seven Eight Nine Alpha Numeric Values1 Aa TtBob OoCc VvDd 0 1 0001234 01234567 321098765432 1 Select only one alphanumeric character to call the font ST Secure MICR Printer User s Guide March 2006 29 Hex Values 41 54 61 2F 74 42 62 3A 4F 6F 43 63 3B 56 30 31 32 33 34 35 36 37 38 39 76 44 64 2D 3D 2006 Source Technologies All Rights Reserved Appendix B Secure Numeric Font Mapping Description Alpha Numeric Hex Value Secure Font Character Character PA niiku Dollar Sign 23 PE sr 14 Er F Left Bracket 28 Right Bracket 29 pj n ah iil Asterisk 2A Comma 2C ANC St Dash 2D Period 2E i Slash 2F ul rm ah ude ni Jr enn IL n l Zero 0 30 One 1 31 mm ket ip Two 2 32 a i i Three 3 33 tiy Four 4 34 ne MITT mi vI 45 a ST Secure MICR Printer User s Guide 30 2006 Source Technologies March 2006 All Rights Reserved Appendix B continued Secure Numeric Font Mapping Description Alpha Numeric Hex Value Secure Font Character Character ae Five 5 35 L E Six 6 36 Seven T 37 Eight 8 38 ge Nine 9 39 i Arrow gt 3E Ex
14. ch 2006 All Rights Reserved
15. check serial number for commercial size checks and possibly account control information It is bounded by On Us symbols It is not included on personal small size checks External Processing Code EPC Field Position 44 This one digit field is position 44 of the MICR line This field is usually left blank The use of this field is reserved by the ABA and is controlled by the ASC X9B Standards Committee Routing Field Positions 43 to 33 The routing field is bounded by Transit Symbols in positions 43 and 33 It contains fixed format information about the drawee institution Consult with your bank for the specific data field to be placed here for each of your accounts On Us Field Positions 32 to 14 The On Us field contains the makers account number The structure and content of this field is left to the drawee bank On personal checks this field also contains the check serial numbers The On Us field may not consist of more than 19 characters An On Us symbol must appear immediately to the right of the account number Blank Field Position 13 Position 13 is always left blank Amount Field Positions 1 to 12 The amount field is the right most field in the MICR line It remains blank until it is printed by the bank of first deposit When the check enters the banking system the bank of first deposit encodes this field from data in the convenience amount field It will be bounded by Amount Symbols ST Secure MICR Printer U
16. check serial number is generally printed in the upper right quadrant of the check Although the check number is not required for the check to be negotiable the account holder and financial institution use these numbers to reconcile statements and stop payments The check serial number should also appear a second time in the MICR line and these numbers should match The number of digits in the check serial number is controlled by the financial institution and the MICR line format Consult your banking institution for their requirements Fractional Routing Number The fractional routing number should be printed in a fractional format in the upper right quadrant of the check This number is assigned to identify the Federal Reserve District and drawee institution Consult with your bank for the proper routing number and format for each of your accounts ST Secure MICR Printer User s Guide 10 2006 Source Technologies March 2006 All Rights Reserved MICR Line Accurate high speed processing of your checks by financial institutions is enabled by the accuracy and integrity of the data in the MICR line Refer to figure 3 1 for the location of the following MICR line fields The MICR line is read from right to left with position one being the right most position proceeding to position sixty five on the left The MICR line must be printed at exactly eight characters per inch Auxiliary On Us Field Positions 65 to 45 This field usually contains the
17. consult Lexmark Technical publications for the complete descriptions of PUL and PCL printer commands PJL Unlock Sequence The first two lines of the variable text example are PUL commands that unlock the MICR font resources and enter PCL language processing The password used is PASSWORD the initial ship default These commands and all following commands are all case sensitive lt ESC gt is used to illustrate the ASCII Escape Character ASCII 27 hex 1B An actual data stream requires the Escape Character not lt ESC gt PCL Initial Set Up The next two commands set up some printer PCL variables These commands are normally early in the data stream We chose a minimal set lt ESC gt amp l2a1h6d1e64F sets the paper size to LETTER the input tray to TRAY 1 the lines per inch to 6 the top margin to 1 and the lines per page to 64 The next command lt ESC gt amp u600D is the Unit of Measure command set to 600 dots per inch mentioned in Section 7 This affects proper MICR line spacing and X and Y cursor positioning PCL MACRO Call The next command calls MACRO 100 that was previously loaded in RAM memory When called the graphic background logos and static data is written to the internal print buffer PCL Font Calls Positioning Commands and Variable Print Data The next eleven lines of data in the example call printer resident fonts position the cursor and print the variable information We are again using the minimal data requir
18. depository institutions provide banking and checking account services to the public These other institutions such as some credit unions savings and loan associations and non member banks are not formally part of the FRS However they have access to the payment services it provides and are subject to many of the FRS regulations In 1958 because of the explosive growth of check usage the American Bankers Association selected the E 13B MICR font and the MICR system as the technology for high speed check processing Today check standards are determined by the American National Standards Institute ANSI Accredited Standards Committee ASC X9B of which Source Technologies is a voting member The latest versions of the standards and technical guidelines are available from Hardcopy Softcopy Global Engineering Documents X9 Electronic Bookstore Phone 800 854 7179 or 303 397 7956 www X9 org click ESS Fax 303 397 2740 www ansi org click ESS lobal ihs com or http global ins com http webstore ansi org ST Secure MICR Printer User s Guide 6 2006 Source Technologies March 2006 All Rights Reserved The key standards that address check documents are as follows ANSI X9 7 Specifications for Bank Check Background and Convenience Amount Field ANSI X9 13 Specifications for Placement and Location of MICR Printing ANSI X9 18 Paper Specifications for Checks ANSI X9 27 Print and Test Specifications for Magnetic Ink Character Recognition MICR
19. e Numeric Font see Appendix C It was designed to be easily read by image capture equipment and is also a fraud deterrent A fixed pitch courier font or if available OCR B are also acceptable fonts to print the convenience amount Note The Source Technologies Secure Numeric Font see Appendix B should not be used in the convenience amount since it is not a machine readable font Amount In Words The amount in words sometimes called the legal amount is normally located either above or below and to the left of the convenience amount The area for the amount in words should be entirely filled to make alterations difficult The amount should start at the far left of the line with the words placed immediately adjacent to each other The cents need not be written out They may be expressed as a fraction 60 100 and should be placed immediately to the right of the dollar amount and followed by a line or other space filler to inhibit alteration Example One hundred forty four and 62 100 DOLLARS Given the available area on the document you may need to use a smaller font when printing larger value amounts ST Secure MICR Printer User s Guide 9 2006 Source Technologies March 2006 All Rights Reserved Payee Area The payee is a necessary element for a negotiable document The payee area is generally to the left side of the document either above or below the amount in words It is often preceded by the words Pay to the
20. ed particularly the font selection strings lt ESC gt s4099t0b10H being a very short version to call Courier Normal Weight 10 Pitch lt ESC gt p300x600Y is a PCL positioning command In this case its values are 600 pixels down and 300 pixels to the right of the upper left corner of the page The Unit of Measure command determines the exact distance The next 4 lines call our secured MICR font resources We are using the ID for the font call The Form Feed prints the page ST Secure MICR Printer User s Guide 26 2006 Source Technologies March 2006 All Rights Reserved PJL Re Lock Sequence The last two lines re lock the secured fonts The password is not changed in this example FIGURE 8 1 SAMPLE ACCOUNTS PAYABLE CHECK CHECK NO 123456 Source Technologies se 2910 Whitehall Park Drive wer NC 28273 REFERENCE NUMBER INVOICE DATE GROSS AMOUNT DISCOUNT TAKEN NET AMOUNT LE TOTALS CHECK NO 123456 Source Technologies aa 2910 Whitehall Park Drive are NC 28273 REFERENCE NUMBER INVOICE DATE GROSS AMOUNT DISCOUNT TAKEN pt 2910 Whitehall Park Drive Charlotte NC 28273 1 800 922 8501 Spd ere NON NEGOTIABLE Date mg a DOLAR 999 POD ONE COMMA TWO THREE FOUR PERIOD FIVE SIX Pay xxxxx Thousand xxxxx Hundred xxxxx Dollars and xx 100 Cents Klint ABC TOOL amp DIE raer o 123 Main Street Yourcity ST 12345 6789 Wee SSB k2 3L567801 224456 76900 ST Secure MICR Printer User s Guide 27 March 2006
21. features that should be considered when selecting a check stock Please see Chapter 5 Security Issues for more information on check stock security features ST Secure MICR Printer User s Guide 13 2006 Source Technologies March 2006 All Rights Reserved Quality Quality MICR check printing with your ST Secure MICR Printer requires check stock that matches the printer s requirements Source Technologies can supply paper specifically made for our printers If you wish to order check stock from other suppliers please show the following requirements to your sales representative We will test other suppliers paper for a nominal fee Layout Layout your check design before any paper is purchased or layout your design to existing check stock Keep in mind perforations orientation special logos and any color elements The printer can print just about anything as long as it is black Weight We recommend 24 Ib 29 Ib paper Stiffness We recommend taber M D 2 5 and C D 1 1 minimum Smoothness For best toner fusing we recommend rougher surfaces within the base printers specifications and the Paper Specifications for Checks X9 18 We recommend a smoothness range of 150 to 200 Sheffield Paper Grain Direction When using 24 Ib 29 Ib bond paper we generally support either long or short paper grain Overall performance in the banks reader sorters is best when the resultant grain direction is left to right when viewing the chec
22. k Perforations All perforations in the stock should be Micro Perfs 20 or more cuts per inch Larger perforations can produce excessive paper chaff and result in damage to the toner cartridge Perforations should be ironed by the paper supplier to reduce nesting and potential double feeding Moisture The paper moisture content should be between 4 7 and 5 5 Storage conditions have much to do with the final moisture content of most papers Store your check stock in a cool dry environmentally stable and secure area Protective wrappings should be removed just prior to use ST Secure MICR Printer User s Guide 14 2006 Source Technologies March 2006 All Rights Reserved 5 Security Issues Printing negotiable documents from blank paper on desktop MICR laser printers makes security a top priority for any company embarking on a desktop check printing project Good security programs integrate hardware software your employees and your financial institution into a secure check production system Recent changes relative to the responsibilities of banks and their customers have a bearing on the ultimate liability for fraudulent documents Customers must have systems designed and documented to show Ordinary Care and Good Faith Effort is in place to avoid liability In the past financial institutions generally credited corporations when fraud was discovered New regulations attempt to define who may have been negligent in the transaction a
23. l Exit Language commands Example lt ESC gt 12345X UEL PJL INFO MICR INFO MICR Command lt ESC gt 12345X UEL The following data is returned PJL INFO MICR PRINTER STATE READY BUS XY NOT READY SERIAL NUMBER XXXXXXXX PAGECOUNT 123456 CARTRIDGE TYPE NORMAL MICR CARTRIDGE STATUS UNKNOWN OK LOW BUP CARTRIDGE SERIAL XXXXXXXX TONER LEVEL 0 9 UNKNOWN CARTRIDGE COUNT XXXX LOW THRESHOLD XXXX EMPTY THRESHOLD XXXX 22 2006 Source Technologies ST Secure MICR Printer User s Guide All Rights Reserved March 2006 Printer State Ready is the expected return Serial Number Printer Serial Number Page Count Printer Page Count Cartridge Type MICR is the expected return Normal could mean the command was sent to a non MICR printer Cartridge Status OK Low and Empty are the expected returns Unknown is possible if the cartridge had just been installed Cartridge Serial Cartridge Serial Number Toner Level A single digit return giving a rough estimate of toner remaining 9 Full 0 Empty Cartridge Count xxxx Data indicating toner usage by counting pixels printed Low Threshold xxxx The Toner Low point based on cartridge count value Empty Threshold xxxx A cartridge count value that determines when printing must stop to ensure quality MICR documents ST Secure MICR Printer User s Guide 23 2006 Source Technologies March 2006 All Rights Reserved
24. mands The following are the key PJL and PCL commands required to access MICR resources in the printer For the complete source of information on PJL and PCL languages consult the Lexmark Technical Reference documentation PJL MICRJOB Each MICR printing job should include in the initial string of PJL commands the MICRJOB command The command forces copy count 1 and Jam Recovery off The format is PJL MICRJOB OD 0A Fonts and Secured Resources The ST Secure MICR printer has four fonts password protected in FLASH memory The printer requires PJL commands with the correct password value to unlock the font resources followed by PCL to print the fonts They are then re locked by PUL commands or by a printer power cycle The PJL commands to unlock the fonts must precede all PCL commands The re lock PJL commands must follow the PCL commands and final form feed command The PCL commands could print an unlimited number of pages between the unlock and re lock sequences We will use lt ESC gt in the following examples to indicate the Escape character ASCII 27 Values shown in parentheses are hexadecimal PJL Unlock Sequence lt ESC gt 12345X PJL LDECLARE LRESOURCE flash LRWLOCK PASSWORD OD OA PJL ENTER LANGUAGE PCL 0A The sequence contains a UEL Universal Exit Language command followed by the unlock and enter language commands The commands are case sensitive PASSWORD is the initial ship default password
25. ment can optically read it The Secure Numeric Font should not be used in this area of the check It is a reverse image font and cannot be read automatically by the equipment We recommend you consider the use of both fonts as they are designed to deter check fraud MicroPrint Your Secure MICR Printer also contains the MicroPrint font MicroPrint is text less than 010 tall It can easily be read with a magnifying glass but appears to be a solid line to an unaided ST Secure MICR Printer User s Guide 18 2006 Source Technologies March 2006 All Rights Reserved eye This font provides protection against reproduction by most scanners and copiers because they cannot successfully print the tiny letters Most check printers use this font in the signature area of their preprinted checks We recommend using this font to help deter check fraud The text in this font can either be fixed such as the name of your organization or it can be variable such as the check amount and payee name The use of variable text provides an additional method of protection against check counterfeiters Use of the MP designate symbol to identify the line as MicroPrint is optional The MicroPrint font only contains alphanumeric characters Punctuation marks and spaces are ignored by this font and do not print Resource Storage The Flash memory in the printer contains the five Source Technologies secured fonts but the Flash memory can be loaded with addi
26. nd put the liability on that party or parties Clearly if a fraudulent occurrence can be traced to a corporation s lack of security procedures or the design of their negotiable documents the regulations will protect the banks or at best case the loss will be shared Check Stock Security Features We have found the following check stock security features to be of merit Artificial Watermarks White on white printing generally on the back reveals words or patterns when held at an angle You should state on the front of the check that this feature is present True watermarks are valuable but more costly Laid Lines Background lines that make cut and paste alteration difficult These are normally on the back of the check Fuse Enhancing Additive Coatings or additives to the paper that improve the bonding of toner to the paper This helps prevent altering of critical data such as the amount or payee name Chemical Additives If an ink eradicator bleach acetone etc is applied to the document the eradicator creates a permanent stain Numbered Check Stock Sequential numbering printed in dye that penetrates to the reverse side of the check can be used to verify authenticity This also provides for inventory control of blank check stock This number should not be linked or be equal to the check serial number due to the potential of double feeding in laser printers NOTE These features serve as a general guide for check security Y
27. ontrolled for MICR printing and cannot be changed through the printer driver MICR Toner Low When MICR toner is low the printer stops and the user is prompted to load a new MICR toner cartridge We recommend shaking the cartridge to prolong its life Once low toner is sensed there is enough toner to print an additional 500 quality MICR documents assuming an approximate 5 average page coverage MICR Toner Empty When the cartridge is determined to be too low to continue the printer stops A new cartridge needs to be installed to continue printing MICR Toner Use only Source Technologies MICR toner when printing MICR documents It is specifically engineered to print quality MICR documents with your printer The printers MICR toner sensor is designed to work with the Source Technologies MICR toner cartridge to prevent printing checks with regular toner present You may choose to use this printer for general office printing which is acceptable If a regular toner cartridge is installed the printer will stop and prompt the operator to install a MICR toner cartridge Source Technologies does not recommend the use of refilled MICR toner cartridges Although refilled cartridges are generally less expensive they may result in expensive printer repairs and bank check reject fees due to inferior MICR toner formulation MICR Check Stock Check stock has a large impact on the resulting quality and security of your MICR document Here are a few
28. ou should not consider these features as an all inclusive list We recommend consulting with your paper supplier for any additional comments or suggestions Security Note Check fraud in the United States is a continuing problem We have attempted to identify security features that can be incorporated into the base check stock However these may not prove 100 fraud preventative Over time technology will continue to develop new and improved measures to address check fraud ST Secure MICR Printer User s Guide 15 2006 Source Technologies March 2006 All Rights Reserved The following internal and external security measures will help minimize your risk of check fraud 1 Financial institutions should train tellers to look at the check not the person presenting the check The check not the person is the item that must be verified Firms accepting checks should be aware of damaged MICR lines Intentionally damaging the MICR line can increase the time necessary to process an item giving the forger enough time to leave town Also be sensitive to discoloration this could be an indication of alteration Incorporate security features into your base check stock and utilize printed security features that address both alteration and counterfeiting of original items A short list of these features would be e Warning Bands or other methods that alert recipients to visual security features e Artificial or genuine watermarks in the base pape
29. r e Chemical additives in the base paper that react to chemical alteration attempts e Void Pantographs that address attempts to copy original items e Unique security fonts that deter attempts to alter payee or amount information When generating final negotiable items e The document always includes the amount value in words e The document should not include information that limits the value range i e Not valid over 500 This only guides the fraudulent attempt Use your application software to detect out of range items e All levels of hardware and software password protection should be utilized Safeguard check stock paper and limit access only to necessary employees Understand and approve the security procedures of your check stock suppliers to safeguard stock in their custody Use Positive Pay check services from your financial institution that match check number and dollar amounts to known information Financial institutions should encourage full participation of corporate clients Move methods of fraud detection to the item s point of entry into the clearing system For example low cost readers can detect low magnetic strength in the MICR line which is a good indication of attempts to copy an original Always verify the home address and place of employment of new account applicants Use public sources such as phone books to verify phone numbers Ask new account applicants why they are opening an account with your instit
30. r s bank A amp D should match E Routing Number 34 42 Designates the Federal Reserve district and financial institution Each city state or region that the bank serves has a unique institution identifier IMPORTANT positions 35 42 is the Routing Number position 34 is the check digit F Account Number This is a unique number assigned to the customer s account G Optional Serial Number Used for personal accounts checks only A 4 digit zero filled field that should match the serial number in the upper right corner H Convenience Amount Area should be in the general location shown above in the diagram The illustrated box in the diagram is optional and if used should conform to ANS X9 7 A single stroke dollar sign is required ST Secure MICR Printer User s Guide 12 2006 Source Technologies March 2006 All Rights Reserved 4 Quality Issues A high quality MICR document can be read by bank reader sorter equipment many times with no readability issues and does not result in damage to bank equipment This quality is the result of a well designed printer an originally manufactured MICR toner cartridge and high quality check stock Printer Features Your Secure MICR Printer is equipped with some features to ensure high quality MICR documents Paper Type Paper type settings if selected through a driver are set in the printer However the print engine keeps the printer optimized for MICR printing Density is internally c
31. ser s Guide 11 2006 Source Technologies March 2006 All Rights Reserved Figure 3 1 Sample Check SAMPLE CHECK FOR MICR SPECIFICATION TO OF CHEK CHI First National Sank A 0123456798 SI7 ADDR SS B BG E opt uri CITY STATE ZIF 15 GET dk Eg Ja IF IL m 2 Le i ig NR H 7 W 4 maiaa ra RoR A T 4 rar TS TIC 4 Da JAGER CF imm KOT ADA CE Tm DO LARS C Tisd ever Bankel reis E Yaydan cur Siete LSA 2592 2000 jt Bees LEFT SILE EHH LL LAL h leel ril l 1 a 1 a 11 81 PE Fag EE SALGS RSA TET GA ST NAA SR ee OE EE LETT LT ET ETE Til ae amp I EI Ina Title tl Mind PR A ud av E Ter il BETTOM OF CHECK F BLANK raer TIAN TOT ke sk kok Tir KYR A Serial Number Must be in the upper right corner and match the serial number in the MICR line see D for further explanation B Fractional Routing Transit Number Should be in the upper right corner and must match the routing transit number in the MICR line with the exception of the state prefix number ex 66 NG 67 SC 64 GA etc and the preceding zeros C Bank Name State City The bank logo is optional Name of bank city and state where the account will be assigned opened is a required field D Aux On Us 46 55 This is a required field if the customer desires services offered by the bank which require a serial number The serial number format is controlled by the payo
32. tall the printer driver shipped with your printer 1 Locate the CD that was shipped with your printer Note If you do not have a CD ROM drive on the host PC locate another computer with a CD ROM drive start the CD ROM utility and then follow the instructions on the screen to create printer driver diskettes 2 Follow the instructions in the CD booklet to start the printer setup utility appropriate for your operating system i e Windows 95 NT etc The setup utility will install printer driver and utilities to manage Source Technologies printer s attached to your PC or Network 3 The Source Technologies printer in most cases assumes the printer driver is set to the internal DEFAULT values The following Default values should not be changed for best overall printer performance and data stream requirements of the ST Secure MICR printer e Print Resolution under the Graphic Tab should be set to the Default value of 600 DPI e Print Quality and Picture Grade under the Graphic Tab should be set to the Default values of Use Printer Default A majority of other driver options can be set for your particular requirements The most obvious of these would be a Paper Tray selection if your application uses the Print Driver Setting ST Secure MICR Printer User s Guide 5 2006 Source Technologies March 2006 All Rights Reserved 2 MICR Overview MICR stands for Magnetic Ink Character Recognition All MICR documents have a MICR line with
33. through the Marketing Department of Source Technologies All trade names or products used in this manual are for identification purposes only and may be trademarks or registered trademarks of their respective companies ST Secure MICR Printer User s Guide 2 2006 Source Technologies March 2006 All Rights Reserved Table of Contents T PAnerInstalatibniLuu 454525 5 2 MICR Overview assssesnnnnnnnnnnnnunnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn nnmnnn 6 The Check Processing System rrrrnnnanrnnnnnranennnrrnanenannnnnne 6 MER Printing LOGY ass 6 3 MICR Check Design anrrnnnnnnnnnnnnnnnnennnnnnnnnnnnnnnnnnnnnnnnnnennnunnnnennn 8 General Features of Check Design rrrarrrarrrrrrnrarevnnrrvanennn 8 Position and Dimension GaUGE ccccececeeeeeeeceeeseeeeaes 8 Design Elements in Detail rnrrnnrrnnrnnnrnnnrnnnrnnnrnnnnnnnnnnnenn 8 Data EIENENS scccix czsceniczamasseadadeaeey banatgeaconsdeeidauntorsasansidauneds 9 Figure 3 1 Sample Check repte E 12 4 Quality BUs 13 PM FALU sunsn a a aa 13 MER TORGI vunne 13 MER EEK SOK ve 13 9 SEC ISSUES aasa ee eee 15 Check Stock Security Features rrarararararnrrrnnrrnnervnrrnnnrnnre 15 DSCCUM NOE usa 15 6 MER Features aa 18 SECUE MER senenn E E tele uden 18 MER FO sr 18 SELGE FO EE 18 WING FOR IR 18 Resource Storage rrrnrrnnnnnnannnnannvanrnnnnenanennnnnnanennnnnnanennnennn 19 MOR Toner cartidge arne 19 7 MER COMINGS Aase 20 Fonts and Sec
34. tional resources for check or non check printing The Flash can be loaded with signature fonts overlay Macros or other custom resources up to the space available Flash memory in the ST 9116 is read write password protected To load additional resources to Flash requires you to first issue the PJL commands to unlock the Flash memory device We will review this in more detail in Section 7 MICR Commands Storing resources fonts Macros etc in RAM is also an option Resources in RAM are deleted when the printer is powered off Resources in RAM cannot be password protected in the printer MICR Toner Cartridge The ST Secure MICR printer only supports a Source Technologies MICR Toner Cartridge The printer will display an error condition when a standard cartridge is installed When a MICR Toner Cartridge is installed the following occurs 1 Control image density or print density is set to optimum levels for MICR printing Downloaded density commands and toner saver mode commands are ignored by the printer When the PJL MICRJOB command is sent the following occurs 1 The printer forces internal copies to 1 Downloaded copy commands are ignored 2 Automatic reprint of jammed documents is disabled forcing the application to reprint any jammed documents This provides an audit trail to the application of the jam event ST Secure MICR Printer User s Guide 19 2006 Source Technologies March 2006 All Rights Reserved 7 MICR Com
35. ured Resources rrrrrnrrnnrennrrnnrennrrnnrrnnsrnnsnne 20 PJE UNGE SEQUENCE innan n 20 PJE Re Lock Sequen E reir haea a ia aeaa 20 PJL Re Lock Sequence with New Password Value 21 PCL Font Call COMMANGS siissscwcscnecsseinsonusaenswntersudabenccsenede vans 22 PJEIMSG MER Command ice ihectuantds cna eauenieaadicdnnacedes 22 Error MESSAGES Se 24 ST Secure MICR Printer User s Guide 3 2006 Source Technologies March 2006 All Rights Reserved 8 MICR Commands Examples r nnnrnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnennnunnne 26 PJL UNlOCK SCQUCHICC sis icscstnanseieerevee ane eavdineencenceiauaies 26 PCL IMG SS CUO ae 26 Pl MAO SS 26 PCL Font Calls Position Commands amp Variable 26 PJL Re lock Sequence sireeni aiiai 27 Figure 8 1 Sample Accounts Payable Check 0008 27 PJE amp POL COMMANGS S erresis a a 28 Appendix Appendix A E 13B MICR Font Mapping ccccscesseeeeeseeeeeees 29 Appendix B Secure Numeric Font Mapping ccssceseeeseeeeees 30 Appendix C ICR Secure Numeric Font Mapping rrrnrrrnnernnernner 32 Appendix D CMC7 MICR Font Mapping erarrronrernrenarerareranennnenennn 33 ST Secure MICR Printer User s Guide 4 2006 Source Technologies March 2006 All Rights Reserved 1 Printer Installation For complete information on how to unpack and setup your printer see your printer s user s guide Please read the following if you are going to ins
36. ution Be suspect of unusual answers or delays in responding ST Secure MICR Printer User s Guide 16 2006 Source Technologies March 2006 All Rights Reserved 10 Stay abreast of current check fraud methods and the latest in fraud detection Offer seminars to educate corporate clients 11 Review and document your internal negotiable document printing procedures Investigate employee backgrounds before assigning security authority Split responsibilities for example an accounts payable production security officer should not also balance the account ST Secure MICR Printer User s Guide 17 2006 Source Technologies March 2006 All Rights Reserved 6 MICR Features Source Technologies Secure MICR Printer is designed to allow both general office document printing and secure MICR document printing You may print a variety of conventional jobs with MICR toner using all of the printer features available These printers come standard with PCL5e PCL6 and PostScript Level 2 emulation Source Technologies has designed features to enhance the base printer for MICR specific printing that allows you to securely print high quality negotiable documents Secure MICR Your ST Secure MICR Printer has resident fonts for printing MICR documents password secured in printer Flash memory Accessing these resources requires specific PJL commands to unlock and relock these font resources While unlocked they can be assessed with standard PCL5e commands
37. value The command delimiter is a Line Feed hex OA with Carriage Return hex OD being optional Spaces are required as shown The ENTER LANGUAGE command is optional but recommended The command should also end with a LF hex OA At this time all secured resources including any resources that are customer unique in FLASH are unlocked and available to PCL The password value is limited to no more than 8 alphanumeric case sensitive characters PJL Re Lock Sequence lt ESC gt 12345X APJL LDELETEPASSWORD LRESOURCE flash QD 0A lt E5S0 gt 5 12345X Sent after PCL this sequence re locks the resources with no change in the password value The PJL syntax of LDELETEPASSWORD is not the password The command sequence terminates with the UEL command Universal Exit Language This is optional but recommended ST Secure MICR Printer User s Guide 20 2006 Source Technologies March 2006 All Rights Reserved PJL Re Lock Sequence With A New Password Value lt ESC gt 5 12345X0QPJL DEFAULT LRESOURCE flashs TRWLOCK xxxxxxxx OD OA lt ESC gt 12345X This command requires the resources to be previously unlocked The new password is represented by the value xxxxxxxx The UEL is again optional but recommended After consulting Lexmark Technical Reference materials you may wish to expand the PJL sequences to include more than the examples above To chain multiple PUL commands follow the following format UEL PUL COMMAND QA
38. venience amount field The common format is Month Day and Year however the military format of Day Month and Year is also acceptable Amount The amount of the check is a required element for negotiation The amount usually appears at least twice on the check The amount printed in numbers is called the convenience amount The amount printed in words is sometimes referred to as the legal amount this is the amount that applies if there is a difference between the two amount fields The amount may also be printed a third time on the check ina secure font intended to make alteration of the amount field difficult See Chapter 6 and Appendix B for information on Source Technologies Secure Numeric Font Convenience Amount The convenience amount location is specified in ANSI X9 7 The basic location is illustrated in Figure 3 1 Since this amount can be machine scanned its location and design should be kept within the specifications The amount beginning with the dollar sign should be left justified within the scan area with numbers spaced normally to the right The dollars and cents should be separated by a decimal point with the cents printed in the same size font as the rest of the field Embedded commas should not be used The convenience amount background should have good reflectance so it does not interfere with optical scanning see ANSI X9 7 The convenience amount should be printed in a simple fixed pitch font We recommend our ICR Secur
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