IRD Print Application

The All My Papers IRD Print Application is a part of the All My Papers X9 VIEWER product and is Windows-based software that converts check Image Cash Letter (ICL) files to:

  • Image Replacement Documents (IRDs) in the U.S. that conform to the ANSI X9.100-140:2008 standard and print them as Substitute Checks.
  • Clearing Replacement Documents (CRDs) in Canada (similar to a forward IRD in the U.S) that conform to the Canadian Payments Association Standard 014.
IRDPrint

Description

Description

All My Papers IRD Print software rapidly prints accurate Image Replacement Documents Clearing Replacement Documents and Return Replacement documents from ICL files.

The software conforms to ANSI X9.100-140:2008 (mandatory in Nov 2010), with file types X9.37, Universal Companion Document (UCD). UCD 187 (mandatory for exchange with FRB beginning in Sep 2010), and with Canadian Payments Association Standard 015 files.

IRDs and CRDs printed with All My Papers software are in conformance with The Check Clearing Act for the 21st Century (“Check 21”) in the U.S. and with CPA Standard 014 in Canada by meeting the following requirements:

  • Accurately represents all information on the front and back of the original check.
  • Contains the legend “This is a legal copy of your check. It is in fact, a Substitute Check and you can use it the same way you would use the original check.” (U.S. IRDs only)
  • Conforms to applicable industry standards for MICR line formatting.
  • Conforms to industry standards for the physical characteristics of checks.

ANSI X9.100-140:2008 has these differences from the previous standard which are summarized below.

  • Truncating institution’s routing number and business date print order is reversed in the truncator information block.
  • Return Reason Overlay uses abbreviated language and is placed horizontally to limit printing on the check image.
  • Return Reason code is added to the endorsements on the back of the check image.
  • Additional Return Codes are added.

IRD Print Functions

  • Prints valid IRDs and CRDs conforming to industry standards from ICL files
  • Easy to use with AMP X9 VIEWER application
  • Supports a wide variety of PLC5 compatible duplex laser printers
  • Prints both Forward and Return IRDs as well as CRDs
  • Prints both Normal and Qualified IRDs and CRDs
  • Prints items 1 or 3 up
  • Drives printers at full rated speed

Benefits

  • Accurate - prints IRDs as legal, negotiable instruments
  • Reliable - used in the largest financial institutions to prints millions of Replacement Documents daily
  • Flexible - works with a wide variety of laser printers
  • Fast - prints up to 1,280 Replacement Documents per minute
  • Scaleable - the same software may be used used to print a few or a million per day
  • Secure –MICR fonts purged from printer after print job
  • Economical – flexible licensing plans

Printer Support

IRD Print supports many types of printers including

  • Specialty IRD printers from companies like the TROY Group
  • A variety of duplex laser printers from companies like Hewlett-Packard, Lexmark, and Ricoh/Hitachi, Xerox and IBM

The printer for printing valid IRDs with AMP software must meet these requirements:

  • Duplex – be able to print front and back information on the same paper
  • Laser – uses laser technology for fusing the toner to the paper
  • MICR Toner – so that automated check sorting machines can read the magnetic information on the bottom of the IRD
  • HP PCL5 compatible – so the AMP page printing layout software accurately places the legal components within the specifications required by the standard.

More Details

Print negotiable IRDs from ICL files via the X9 Viewer.

Print IRDs from a single workstation or install it on a print server to support up to 63 clients on a network running X9 Viewer or your custom application.  Network traffic is minimized because the check image data is compressed until it arrives at the printer.

All My Papers provides IRD/CRD Print products as either a capability of the X9 Viewer product or as an SDK:

  • Use the SDK to develop your own IRD/CRD Print applications
  • Use X9 Viewer to print IRDs and CRDs in both single and multiple workstation environments
  • Use the X9 VIEWER when you need to view, analyze or edit ICL files before printing replacement documents.

Datasheet

Requirements

Minimum System Requirements

Desktop: Operating System: Windows 7, 8x, 10 – 32/64-Bit

Server: Operating System: Windows Server 2008 and newer

CPU: Pentium 4, 2GHZ

RAM: Per Operating System Minimums

IRD Printer Requirements

Off the shelf Printers

Most duplex laser printers from Hewlett-Packard, Lexmark, and Ricoh/Hitachi, Xerox and IBM that meet the requirements below:

  • Duplex – be able to print front and back information on the same paper
  • Laser – uses laser technology for fusing the toner to the paper
  • MICR Toner - Have available MICR (Magnetic) toner cartridges – Required to produce negotiable IRDs with magnetic information that automated check sorting machines can read
  • HP PCL5 compatible – Ensures proper formatting of printed IRDs so that they conform to the ANSI X9.100-140:2008 standard

Specialty Printers

IRD printers from companies like the TROY Group

Request Evaluation

Evaluation & Production Licenses

All my Papers applications and SDKs are available for evaluation use by qualified customers prior to purchase.

Evaluation Use – To obtain download instructions and a 30-day trial license, please fill-out a software evaluation request.

Production Use – When you purchase an All My Papers product, you will be issued a production license enabling its use in your production environment.  Production licenses are purchased with renewable support and maintenance.

For more information, please contact sales@allmypapers.com or call +1 (408) 366-6400 and press 1 at the prompt.

 

Licensing

General Licensing Terms

In general. the licensing policy for All My Papers (AMP) software – authorizes one user and one physical hardware device/computer. The AMP enabling license for a given machine authorizes only that single physical hardware computer.

AMP’s software requires license and product codes for every computer running AMP’s software including production, evaluation, disaster recovery and trial computers. License fees include support and maintenance for a three-year renewable term.

Virtual Machine (VM) Licensing

The All My Paper VM license enables use of AMP applications in one VM environment and is available to new and existing customers. AMP includes support for VM environments with static UUIDs such as VMware or Microsoft Hyper-V.  However, installation or configuration support under other VM environments without static UUIDs such as Amazon’s Could Server may be subject to additional installation/configuration support charges.

For details, see the License text loaded during the installation of the software.

Application Licensing

AMP’s applications issues license and product codes for every computer running AMP’s software.

For details, see the License text loaded during the installation of the software.

Workstation licensing for products such as X9 VIEWER or X9 QUALIFIER

All My Papers has evolved various and flexible licensing models for the deployment of the X9 VIEWER and X9 QUALIFIER applications to meet customer demand and requirements.

Because check image cash letter (ICL) files contain sensitive financial data, organizations may want to restrict some users to viewing only and permit other users to edit the check ICL file data.  Access to editing may be controlled on a workstation license basis.

Server Licensing

Organizations that use Remote Terminal Services (E.g. Remote Desktop, Citrix, etc) can install both the application and the license manager on a Remote Terminal Services server to conveniently provide functionality at any workstation from two to 62 users at a time limited only by the number of concurrent user licenses purchased.

Distributed Licensing

Similar to Server Licensing described above but used when AMP applications are installed locally on workstations and licensing is provided from a server. Distributed licensing provides functionality for up to 62 users at a time limited by the number of distributed user licenses purchased.

 X9 VIEWER & X9 Qualifier Licensing and Deployment Models

All My Papers has evolved various and flexible licensing models for the deployment of the X9 VIEWER application to meet customer demand and requirements.

X9 VIEWER are Windows-based applications for the viewing, analysis and editing of check Image Cash Letter (ICL/UCD/187/X9.37) files.

Because check image cash letters contain sensitive financial data, organizations may want to restrict some users to viewing only and permit others users to edit the check ICL file data.  Access to editing and data entry functions may be controlled on a workstation license basis.

ICL file size can approach the 2GB limit and contain over 40,000 check items and images. The X9 Viewer can efficiently access files located on other network resources but is most efficient if the ICL file is on the same hard disk as the application.

Desktop Workstation License

X9 Viewer can be purchased and installed on individual desktop workstations. This is the standard license.

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Server Licensing

Organizations that use Remote Terminal Services (E.g. Remote Desktop, Citrix) can install both the VIEWER and the license manager on a Remote Terminal Services server to conveniently provide Viewing or Viewing/Editing at any workstation from one to 62 users at a time limited only by the number of concurrent user licenses purchased.

viewerlic2

Distributed Licensing

Similar to Server Licensing described above but used when AMP applications are installed locally on workstations and licensing is provided from a server.  Provides Viewing or Viewing/Editing at any workstation for up to 62 users at a time limited by the number of concurrent user licenses purchased.

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Solutions

Whitepapers

Whitepapers

Combining Remote Capture and IRD Printing

This white paper discusses a Check 21 Strategy for Community and Regional Banks

Working with Image Cash Letter Files

This white paper is for anyone contemplating working with or implementing a system that will process Image Cash Letters (ICLs), AKA X9.37 files, and would like to reduce their implementation costs, time, and ongoing maintenance efforts.

Contact All My Papers
Contact All My Papers to automate Check Image Cash letter (ICL) file processing.