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Table of Contents

MICR Overview ....................................................................................................... 2

The Check Clearing System ........................................................................................ 2

MICR Printing Standards in the United States Today .................................................. 2

MICR Check Design ............................................................................................... 4

General Features of Check Design.............................................................................. 4

Position and Dimension Gauge ................................................................................... 4

Design Elements in Detail ........................................................................................... 4

Data Elements ............................................................................................................. 5

Quality Issues ......................................................................................................... 9

Printer Features ......................................................................................................... 10

MICR Toner ............................................................................................................... 10

MICR Check Stock .................................................................................................... 10

Security Issues ..................................................................................................... 12

MICR Features ...................................................................................................... 14

MICR Mode ............................................................................................................... 14

MICR Fonts ............................................................................................................... 14

Secure Fonts ............................................................................................................. 14

MicroPrint .................................................................................................................. 14

Bi-Directional Feedback ............................................................................................ 15

Resource Storage ..................................................................................................... 16

MICR Menu ............................................................................................................... 16

Entering MICR Mode ................................................................................................. 17

MICR Mode Commands ............................................................................................ 18

DES and AES Decryption .......................................................................................... 22

Custom Character Conversion Command ................................................................. 24

MICRpoint Feature .................................................................................................... 25

Host Programming Features and Examples....................................................... 27

Hex Transfer ............................................................................................................. 27

Escape Character Translation ................................................................................... 31

Audit Trail Reports ............................................................................................... 33

Report Details ........................................................................................................... 33

Audit Trail Menu ........................................................................................................ 33

Audit Location ........................................................................................................... 33

Audit Record Sorting ................................................................................................. 33

Overlay ...................................................................................................................... 33

Sum Field 4 ............................................................................................................... 33

Print Audit Report ...................................................................................................... 34

Error Messages .................................................................................................... 43

Appendix A: E13B MICR Font Mapping ..................................................................... 47

Appendix B: CMC7 MICR Font Mapping .................................................................... 48

Appendix C: Secure Numeric Font Mapping ............................................................. 50

Appendix D: ICR Secure Numeric Font Mapping ...................................................... 53

Appendix E: MICR Mode Command Summary .......................................................... 54

Appendix F: Audit Report Command Summary ........................................................ 55

Appendix G: PJL Based MICR Commands ................................................................ 56

PJL MICRJOB ........................................................................................................... 56

Fonts and Secured Resources .................................................................................. 57

PJL Unlock Sequence ............................................................................................... 57

Table of Contents

Source Technologies, LLC ST9720 Secure MICR Printer User’s Guide

Summary of Contents for Secure MICR

Page 1: ...Secure MICR Printer User s Guide ...

Page 2: ...MICR Printer User s Guide Source Technologies LLC 2910 Whitehall Park Drive Charlotte NC 28273 Phone 1 800 922 8501 Fax 704 969 7595 www sourcetech com Source Technologies LLC ST9720 Secure MICR Printer User s Guide ...

Page 3: ... assume any responsibility or liability for the accuracy or completeness of or consequences arising from such information 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 ...

Page 4: ...om Character Conversion Command 24 MICRpoint Feature 25 6 Host Programming Features and Examples 27 Hex Transfer 27 Escape Character Translation 31 7 Audit Trail Reports 33 Report Details 33 Audit Trail Menu 33 Audit Location 33 Audit Record Sorting 33 Overlay 33 Sum Field 4 33 Print Audit Report 34 8 Error Messages 43 Appendix A E13B MICR Font Mapping 47 Appendix B CMC7 MICR Font Mapping 48 Appen...

Page 5: ... 58 PJL MICR Command Example 59 PJL Unlock Sequence 59 PCL Initial Set Up 59 PCL Macro Call 59 PCL Font Calls Positioning Commands and Variable Print Data 59 PJL Re Lock Sequence 60 Appendix H Accounts Payable 61 Photoconductor Kit Replacement Guide 63 Source Technologies LLC ST9720 Secure MICR Printer User s Guide ...

Page 6: ...an now be truncated by the first institution that converts the check to image The original check can now be destroyed United States and International MICR Standards still require the printed MICR line information to be of the highest quality and durability and be printed with magnetic ink or toner Additionally issues related to check fraud continue to place high importance on print quality For the...

Page 7: ...etic Ink Character Recognition ANSI X9 100 30 Optical Background Measurements for MICR Documents ANSI X9 100 110 Document Imaging Capability For those with an interest or need there are also US standards that address Deposit Tickets Check Endorsements the back of the check image interchange file formats and other MICR areas Users of our Secure MICR Printers are not required to have access to the a...

Page 8: ...oduce 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 aid in the overall security of your MICR documents Please refer to Chapter 5 Security Issues for more information on check stock specifications and security f...

Page 9: ...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 The convenience amount should be printed in a simple fixed pitch font We...

Page 10: ...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 o...

Page 11: ...eld is reserved and is controlled by the ASC X9AB 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 maker...

Page 12: ...mat is controlled by the payer s bank A 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 are the Routing Numbers position 34 is the check digit F Account Number This is a unique number assigned to the customer s account G Optional Seria...

Page 13: ...paper The unit also contains a Refuse Bin for storing any waste toner cleaned from the photoconductor or OPC In terms of component wear and waste capacity the IU useful life should be near 40K or 40 000 pages or sides assuming some duplex printing The 40K is based on an average print coverage of 5 and an average print job size of three pages or page sides Lower actual average print coverage and or...

Page 14: ... end of life When the toner cartridge or the IU is determined to be at end of life the printer will stop printing To continue printing a new cartridge or IU will need to be installed See Section 9 for information on the relative messages displayed MICR Toner Use only Source Technologies MICR toner when printing MICR documents It is specifically engineered to print quality MICR documents with your ...

Page 15: ...eld Paper Grain Direction When using 24 lb 29 lb bond paper we generally support either long or short paper grain Overall performance in the bank s reader sorters is best when the resultant grain direction is left to right when viewing the check Perforations All perforations in the stock should be Laser Cut or Micro Perfs 20 or more cuts per inch Larger perforations can produce excessive paper cha...

Page 16: ...ur risk of check fraud 1 Stay abreast of current check fraud methods and the latest in fraud detection Many financial institutions offer seminars to educate corporate clients 2 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 3 Incorporate security features into your base check stock and ...

Page 17: ...on software to detect out of range items All levels of hardware and software password protection should be utilized 7 Understand and approve the security procedures of your check stock suppliers to safeguard stock in their custody 8 Consider Positive Pay check services from your financial institution You should provide the check number check date dollar amounts and sometimes the payee name to your...

Page 18: ... eight digit combination must be entered from the front panel MICR Fonts The E 13B and CMC7 MICR fonts reside in the printer Examples of these fonts are in the Appendix of this manual They can only be accessed after MICR mode is activated by your software A MICR toner cartridge must be present to print the MICR fonts Secure Fonts Source Technologies has designed two fonts Secure Numeric Font and I...

Page 19: ...in another area The application can get information on MICR settings such as toner cartridge type MICR or regular locked trays which trays are locked to non MICR applications resident fonts macros and audit trail settings The printer can send the application MICR error messages such as load MICR toner When the printer receives the PJL INFO STVARIABLES command it will report all MICR variables to t...

Page 20: ...also an option Resources in RAM are deleted when the printer is powered off or reset For this reason check related resources may need to be loaded frequently Resources stored in RAM cannot be password protected We recommend storing all check related resources in secured flash memory MICR Menu Your secure MICR printer contains a front panel menu specific to MICR applications The complete menu is as...

Page 21: ...command can be entered anywhere prior to accessing secured resources The STH command is not as powerful as the STF command because it does not set as many parameters for MICR printing Both commands and descriptions are as follows STF Command When entering MICR mode with the STF mode the printer will Check to see if the proper front panel combination has been entered when enabled Allow access to se...

Page 22: ... flash memory Turn hex transfer ON Note The STH command can occur within a datastream after the page has started The STH command unlike the STF command can be issued anywhere on the page MICR Mode Commands Password Command STFPASSWORD or STHPASSWORD STF or STH Lead in sequence PASSWORD User defined password 8 characters case sensitive unprintable characters allowed Factory default is PASSWORD See ...

Page 23: ...mbination is entered Sending an STS command and eight zeros deactivates the security lock Caution If the front panel combination is set and then forgotten the printer must be returned to Source Technologies for the combination to be deactivated Print MICR E 13B Font SMDddd ddd SMD Lead in sequence ddd ddd Data to be printed in E 13B MICR font Command terminator This command prints the specified da...

Page 24: ...ead in sequence ddd ddd Data to be printed in this font Command terminator The dollar sign is not a command terminator for this command For both security fonts the tilde hex 7E is the command terminator since the dollar sign is a valid character Print ICR Secure Numeric Font SMIxxxxxx SMI Lead in sequence xxxxxxxx Data variables to be printed in this font Command terminator Print MicroPrint Line S...

Page 25: ... the Audit Trail overlay Please see chapter 7 for more information Format Flash Memory SFF SFF Lead in sequence Command terminator This command formats flash memory A valid password command must precede this command Caution All flash contents will be lost This includes all electronic forms signatures logos etc Secure Flash Resource Unlock Command STPxxxxx STP Unlock flash resource command xxxxx Fl...

Page 26: ...documented in a FIPS standard FIPS 197 dated 11 26 2001 Three key sizes are documented in the standard 128 bit 192 bit 256 bit We currently only support the most commonly used 128 bit key size The algorithm selected for AES is Rijndael Developed in Belgium an English pronunciation alternative is Rain Doll In addition to U S Government implementations it is anticipated that AES will be adopted by b...

Page 27: ...l another key command is received Printer power cycles and printer reset commands do not affect the key value The dollar sign is the command terminator and is required Set AES Decryption Key Command STSETAESKEY 32 Hex Characters The command also requires a MICR Password Command be sent prior to the Key Command The key data is similar to DES but is twice in length with 32 Hex character format repre...

Page 28: ...modified within a datastream multiple times The conversion information is stored in NVRAM and is retained through power off power on cycles This means you could send the command one time and all future print jobs would be converted Special precautions are required if printer fonts and macro s are downloaded to your printer This might require you to disable the function during downloads and re enab...

Page 29: ...ertical options we can enter maximum value of 99 and also choose A horizontal value moves the characters to the right A vertical value moves the characters down For instructional value assume the current MICRpoint values are at 0 the default values For best positioning from using a gauge and the current printed output the MICR line needs to move up about 1 20th of an inch and to the right of the t...

Page 30: ...ales Support at 1 800 922 8501 and have your printer s serial number readily available to receive the MICR Positioning Gauge shown above The Positioning Gauge will be sent to you free of charge MICR Features 5 Source Technologies LLC ST9720 Secure MICR Printer User s Guide 26 ...

Page 31: ...Hex Transfer send the following command Once Hex Transfer is enabled the character sequence will act as a trigger sequence Any data following these trigger characters will not be printed and will be treated as Hex Transfer data until the Hex Transfer ending character is encountered Turning Hex Transfer Off To turn Hex Transfer off send the following command This command will clear the trigger sequ...

Page 32: ...lled 1B 45 or 1B E This command is a printer reset PCL command which consists of the Esc character and printable E character It may be sent by simply putting the Esc character in Hex Note Hex Transfer can now be set ON or OFF via the MICR Menu Please review Section 6 MICR Menu for more information Host Programming Features and Examples 6 Source Technologies LLC ST9720 Secure MICR Printer User s Gu...

Page 33: ...ommands and Hex Transfer commands in use This datastream would print the check on the following page assuming the check macro and the signature are loaded as flash resources Host Programming Features and Examples 6 Source Technologies LLC ST9720 Secure MICR Printer User s Guide 29 ...

Page 34: ...ch Italic Print PCL Fonts from the Front Panel menu for a list of fonts with their call commands 1B 3 PCL command to return to the default font 1B 20000X PCL command to print font number 20000 In this example font 20000 is a signature previously loaded into flash memory Here we call it and print it with an exclamation point 1B 3 PCL command to return to the default font 1B f0S PCL command to Push ...

Page 35: ... an is received in exact sequence the pair is translated into the ESC character Hex 1B A single would print normally If yy is equal to 00 only the first character is used for the escape character Example The symbol should translate into the escape character STY4000 After this is sent to the printer anytime an is received it is translated into the ESC character This means that the printer will neve...

Page 36: ...re 6 2 Sample Check Note The printed output from the commands listed in Figure 7 1 is shown below Host Programming Features and Examples 6 Source Technologies LLC ST9720 Secure MICR Printer User s Guide 32 ...

Page 37: ...nt on a check Audit Trail Menu The MICR menu contains a section for the Audit Trail options Menu options are Audit Location Record Sorting Overlay Sum Field 4 and Print Report Audit Location Choose to store audit data on flash or disk The display will show No Device if neither is installed Flash is the default if both are present Audit Record Sorting This enables sorting of the report by the first...

Page 38: ...curity control mechanism purging is only possible after entering a valid password The printer can store approximately 6 000 records or checks for each megabyte of flash If the Audit Report feature is activated and the printer s flash memory becomes full an error condition occurs The printer will stop printing and prompt the operator to print and purge the Audit Report memory See the following sect...

Page 39: ...in the third column of the report It allows for a maximum of 40 characters Audit Report Field Four SQ4d d SQ4 Lead in sequence d d Data to be printed Command terminator This command identifies the data to be printed in the fourth column of the report It allows for a maximum of 16 characters in length Since a total of this field can be provided at the end of the Audit Trail Report it is typically u...

Page 40: ... of the following letters T Total Field 4 O Overlay S Sort by MICR line C Communicate send report to host instead of printing see additional information below on SPRINT command For example the command SPURGES sorts the records by the MICR line while the command SPURGESO sorts the records by the MICR line and prints an overlay with the data Options can be forced on with these commands but they cann...

Page 41: ... will begin with an STX character 0x02 and end with ETX 0x03 Each record will be terminated with carriage return line feed 0x0D 0A Start Audit Feedback Command SAF The printer will report to the host that sent this command every time an audit job successfully prints Each report will be a 151 byte string byte 1 STX 0x02 bytes 2 15 field 1 of the audit record from SQ1 16 55 field 2 from SMD 56 95 fi...

Page 42: ...7 1 Audit Trail Commands Example The following example shows the Audit Trail MICR Mode and Hex Transfer commands in use Audit Trail Reports 7 Source Technologies LLC ST9720 Secure MICR Printer User s Guide 38 ...

Page 43: ...ck Sample The datastream in Figure 8 1 will print the following check assuming the check macro and signature are loaded as flash resources Audit Trail Reports 7 Source Technologies LLC ST9720 Secure MICR Printer User s Guide 39 ...

Page 44: ... check serial numbers prints 100 the printer is returned to its default font with the following command 1B 3 PCL command to return to default font SQ6October 5 2005 Stores the date in the sixth position of the Audit Report SMF 2014 44 Prints Secure Font command NOTE Tilde is command terminator 1B s0p12h10v1s0b4099T PCL command to change the font to Courier 12 pitch Italic See print PCL Fonts on th...

Page 45: ...R line SMD Print E 13B MICR command Prints the MICR line and stores the MICR line information in the second position in the Audit Report 1B f1S PCL command to pop return the cursor to the pushed position SQ710 33 45 AM Here we send the time of print to the printer The data is recorded in the Audit Report but this field is not printed on the page STORE Signals the end of a check and the end of Audi...

Page 46: ...ding fields Field 1 and Field 7 will not print on the check This Audit Report is just one example of a report format Any of the seven fields can be manipulated to show any information the user feels is appropriate For example the check amount could be in field 3 rather than field 4 or field 5 could contain items such as taxes drawn on the check check numbers year to date accumulations etc Each lin...

Page 47: ...placed Press CONTINUE to continue printing 88 xx Cartridge is low The amount of toner in the cartridge is getting low Press CONTINUE to continue printing Load MICR Toner OR Install MICR Cartridge Before printing a MICR document the printer checks for MICR toner supplies If regular cartridge and IU are installed the printer will stop all printing and display this message Replace the standard toner ...

Page 48: ...ystem Error Can t Open File There was an internal error while trying to access flash for audit trail Check that Flash is installed and not full Flash Full Purge and Format This error message indicates that the printer s flash memory is full The audit trail cannot accept more jobs until more space is available in flash Press Go then purge the audit trail Then either defragment or format flash memor...

Page 49: ...nition Command is not equal to four or there is a non hexadecimal character in the count Check your software for errors in the MICR definition Command SMCP MICR Password Error Password Length Error Password length is not equal to eight characters Check the Password Command in your software it must be eight characters long MICR Password Error Password Match Error Password sent does not match the cu...

Page 50: ...nd Secure File Not Unlocked Opene d Written Read There was an internal error while trying to access Flash for an STL or STP command Print the menus to ensure that Flash is installed Print a directory of Flash to ensure that is it not write protected or full If error occurs on STP command check to confirm that the resource is stored in Flash Error Messages 8 Source Technologies LLC ST9720 Secure MI...

Page 51: ...Appendix A E13B MICR Font Mapping 1 Select only one alphanumeric character to call the font Appendix A Source Technologies LLC ST9720 Secure MICR Printer User s Guide 47 ...

Page 52: ...Alpha Numeric Hex Values CMC7 Font Characters Values1 Zero 0 30 One 1 31 Two 2 32 Three 3 33 Four 4 34 Five 5 35 Six 6 36 Seven 7 37 Eight 8 38 Nine 9 39 Colon 3A Semi Colon 3B Less Than 3C Appendix B Source Technologies LLC ST9720 Secure MICR Printer User s Guide 48 ...

Page 53: ...Equal 3D Greater Than 3E Note The CMC7 Font in the example above is magnified for purposes of clarity Appendix B Source Technologies LLC ST9720 Secure MICR Printer User s Guide 49 ...

Page 54: ...escription Alpha Numeric Hex Value Secure Font Character Character Dollar Sign 23 Left Bracket 28 Right Bracket 29 Asterisk 2A Comma 2C Dash 2D Period 2E Slash 2F Zero 0 30 One 1 31 Appendix C Source Technologies LLC ST9720 Secure MICR Printer User s Guide 50 ...

Page 55: ...Mapping Description Alpha Numeric Hex Value Secure Font Character Character Two 2 32 Three 3 33 Four 4 34 Five 5 35 Six 6 36 Seven 7 37 Eight 8 38 Nine 9 39 Arrow 3E Appendix C Source Technologies LLC ST9720 Secure MICR Printer User s Guide 51 ...

Page 56: ...Example SMF 15 575 00 will print Note The secure fonts in the example are magnified for purposes of clarity Appendix C Source Technologies LLC ST9720 Secure MICR Printer User s Guide 52 ...

Page 57: ...pha Numeric Hex Value Secure Font Character Character Zero 0 30 One 1 31 Two 2 32 Three 3 33 Four 4 34 Five 5 35 Six 6 36 Seven 7 37 Eight 8 38 Nine 9 39 Asterisk 2A Comma 2C Period 2E Dollar Sign 23 Appendix D Source Technologies LLC ST9720 Secure MICR Printer User s Guide 53 ...

Page 58: ...t the current print position Note The tilde is the command terminator see Appendix C Print ICR Secure Numeric Font SMIxxxxxx Prints the ICR Secure Numeric Font at the current print position Refer to Appendix D Print in MicroPrint SMMxxxxxx Prints data in MicroPrint font Load Flash Resource STLxxxxxyyyyyyzddd dd Loads a Flash Resource file into password protected Flash memory Format Flash Memory SF...

Page 59: ...unt Audit Report Field Five SQ5d d Records fifth field of Audit Report Audit Report Field Six SQ6d d Records sixth field of Audit Report Audit Report Field Seven SQ7d d Records seventh field of Audit Report does not print Print Audit Report SPRINT Prints Audit Report End Audit Record STORE Ends Audit Record and PJL Job Print and Purge SPURGE Prints and purges the Audit Report Caution All previous ...

Page 60: ... only supported the PJL MICRJOB option that performed similar to a PJL SET The PJL MICRJOB is still supported and unchanged SET and DEFAULT formats for the MICRJOB command There are two formats of the SET MICRJOB command PJL SET MICRJOB ON PJL SET MICRJOB OFF The ON value functions similar to the older PJL MICRJOB command It must be included with the MICR printing application The OFF value can all...

Page 61: ... optional but recommended The command should also end with a LF hex 0A 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 ESC 12345X PJL LDELETEPASSWORD LRESOURCE flash 0D 0A ESC 12345X This sequence re locks the res...

Page 62: ... 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 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 cree...

Page 63: ...SCII Escape Character ASCII 27 hex 1B An actual datastream requires the Escape Character not ESC PCL Initial Set Up The next two commands set up some printer PCL variables These commands are normally found early in the data stream We chose a minimal set ESC 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 T...

Page 64: ...We are using the ID for the font call The Form Feed prints the page PJL Re Lock Sequence The last two lines re lock the secured fonts The password was not changed in this example Appendix G Source Technologies LLC ST9720 Secure MICR Printer User s Guide 60 ...

Page 65: ...Appendix H Accounts Payable Appendix H Source Technologies LLC ST9720 Secure MICR Printer User s Guide 61 ...

Page 66: ...Y 123456 ESC p4250x4450Y 123456 ESC p3650x4775Y xx xx xxxx ESC p400x5225Y ESC s4099t0b15H xxxxx Thousand xxxxx Hundred xxxxx Dollars and xx 100 Cents ESC p600x5600Y ESC s10H Your Company ESC p600x5700Y 123 Main Street ESC p600x5800Y Yourcity ST 12345 6789 ESC p900x6325Y ESC 30802X ESC k15H O0123456O T123456780T 012341234D5670O ESC p1500x5100Y ESC 30043X 1 234 56 ESC p3650x5400Y ESC 30066X 1 234 56...

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