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ST9510
Secure MICR Printer
User’s Guide
Source Technologies
2910 Whitehall Park Drive
Charlotte, NC 28273
www.sourcetech.com
techsupport@sourcetech.com
800-922-8501
2006, Source Technologies
All rights reserved.
Written and produced by Source Technologies
March 2006
ST Secure MICR Printer User’s Guide 1 2006, Source Technologies
March 2006 All Rights Reserved
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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
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Table of Contents 1. Printer Installation....................................................................5 2. MICR Overview.........................................................................6 The Check Processing System.............................................6 MICR Printing Today.............................................................6 3. MICR Check Design.................................................................8 General Features of Check Design......
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8. MICR Commands Examples....................................................26 PJL Unlock Sequence...........................................................26 PCL Initial Setup ...................................................................26 PCL Macro Call.....................................................................26 PCL Font Calls, Position Commands, & Variable .................26 PJL Re-lock Sequence .........................................................27 Figur
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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 install 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
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2. MICR Overview MICR stands for Magnetic Ink Character Recognition. All MICR documents have a MICR line with 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
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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) ST Secure MICR Printer User’s Guide 7 2006, Source Technologies March 2006 All Rights Reserved
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3. MICR Check Design General Features of Check Design 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
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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 convenience 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 a
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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 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;
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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
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Figure 3.1: Sample Check 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 = NC, 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
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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 driv
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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 st
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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 h
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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. 2. 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
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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
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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 negot
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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
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7. MICR Commands 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(0D)(0A) Fonts and Secured Resources The ST Secu
