ANSI ASC X9 X9 TR-47-2016 Universal Companion Document Industry Adoption of X9.100-187.pdf

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1、 ASC X9 TR 472016 Universal Companion Document Industry Adoption of X9.100-187 A Technical Report prepared by Accredited Standards Committee X9, Incorporated Financial Industry Standards, and registered with American National Standards Institute Date Registered: November 13, 2016 ASC X9 TR 472016 ii

2、 ASC X9, Inc. 2016 All rights reserved This page intentionally left blank ASC X9 TR 472016 ASC X9, Inc. 2016 All rights reserved iii Contents Page Foreword iv Document Revision History. 1 1 Purpose of the Document . 7 2 General Conventions of the Document . 7 3 File Format . 8 3.1 Exception Informat

3、ion. 8 4 File Records . 10 4.1 File Header Record (Type 01) . 10 4.2 Cash Letter Header Record (Type 10) . 11 4.3 Bundle Header Record (Type 20) . 13 4.4 Check Detail Record (Type 25) . 14 4.5 Check Detail Addendum A Record (Type 26) . 16 4.6 Check Detail Addendum B Record (Type 27) . 19 4.7 Check D

4、etail Addendum C Record (Type 28) . 20 4.8 Return Record (Type 31) . 21 4.9 Return Addendum A Record (Type 32) . 23 4.10 Return Addendum B Record (Type 33) . 24 4.11 Return Addendum C Record (Type 34) . 25 4.12 Return Addendum D Record (Type 35) . 26 4.13 Account Totals Detail Record (Type 40) . 28

5、4.14 Non-Hit Totals Detail Record (Type 41) . 29 4.15 Image View Detail Record (Type 50) 30 4.16 Image View Data Record (Type 52) 32 4.17 Image View Analysis Record (Type 54) . 34 4.18 Credit Record (Type 62) 35 4.19 User Record (Type 68) 36 4.20 Bundle Control Record (Type 70) 37 4.21 Box Summary R

6、ecord (Type 75) 38 4.22 Routing Number Summary Record (Type 85) 39 4.23 Cash Letter Control Record (Type 90) . 40 4.24 File Control Record (Type 99) 41 5 Table of Unique Requirements 42 ASC X9 TR 472016 iv ASC X9, Inc. 2016 All rights reserved Foreword The Accredited Standards Committee X9, Inc. Fin

7、ancial Industry Standards (ASC X9, Inc.) recognizes the value of the “Universal Companion Document Industry Adoption of X9.100-187 Version 1.4” as developed by the CheckImage Collaborative set forth as this Technical Report 47 to formalize an industry standard for check image exchange using the ANSI

8、 X9.100-187 standard format and a compilation of industry norms. Publication of TR 47 has been registered with the American National Standards Institute (ANSI) and according to the Procedures for the Registration of Technical Reports has been approved by the Accredited Standards Developer Accredited

9、 Standards Committee X9. This document is not an American National Standard and the material contained herein is not normative in nature. This document is being published with the permission of the CheckImage Collaborative co-sponsored by the Electronic Check Clearing House Organization (ECCHO) and

10、the Retail Payments Office of the Federal Reserve Bank of Atlanta. Comments on the content of this document should be sent to: Accredited Standards Committee X9, Incorporated Financial Industry Standards 275 West Street, Suite 107 Annapolis, MD 21401 USA X9 Online http:/www.x9.org Copyright 2016 ASC

11、 X9, Inc. All rights reserved. ASC X9 TR 472016 ASC X9, Inc. 2016 All rights reserved v Introduction ASC X9 develops American National Standards that support technological solutions, industry practices, and processes to provide the financial industry with a format necessary to perform electronic che

12、ck exchange. ASC X9 Inc. voted to approve the inclusion of the Universal Companion Document (UCD) Industry Adoption of X9.100-187 as an X9 Technical Report. This Technical Report is not intended to replace the ANSI X9.100-187 standard, but rather to clarify how financial institutions use the standar

13、d to ensure all necessary and appropriate payment data is exchanged between collecting and paying institutions. The UCD was written to identify and share information on Check Image clearing that will help financial institutions understand, and successfully implement, image exchange. It was prepared

14、by the CheckImage Collaborative in 2008, which was initiated by the Electronic Check Clearing House Organization (ECCHO) and the Retail Payments Office (RPO) of the Federal Reserve Bank of Atlanta. It was developed with representation from financial institutions, processors, networks and trade assoc

15、iations. X9 TR 47 Defines specific usages of the ANSI X9.100-187 standard Describes all records and fields which contain critical payment data to be validated Describes any unique field validations for: Endpoint Exchange Federal Reserve SVPCO Viewpointe This Technical Report was processed and approv

16、ed for submittal to ANSI by the Accredited Standards Committee on Financial Services, X9. Committee approval of the Technical Report does not necessarily imply that all the committee members voted for its approval. At the time this technical report was approved, the X9 committee had the following me

17、mbers: Roy C. DeCicco, X9 Chairman Claudia Swendseid X9 Vice Chairman Steve Stevens, Executive Director Janet Busch, Program Manager Organization Represented Representative ACI Worldwide Doug Grote American Bankers Association . Diane Poole American Express Company David Moore Bank of America . Dani

18、el Welch Bank of New York Mellon . Bryan Kirkpatrick BlackBerry Limited Daniel Brown Blackhawk Network Anthony Redondo Bloomberg LP . Corby Dear Capital One . Marie LaQuerre Citigroup, Inc. . Karla McKenna CLS Bank Ram Komarraju Conexxus, Inc. Michael Davis Conexxus, Inc. Gray Taylor CUSIP Service B

19、ureau . James Taylor DeLap LLP Darlene Kargel Deluxe Corporation . Angela Hendershott ASC X9 TR 472016 vi ASC X9, Inc. 2016 All rights reserved Diebold, Inc. . Bruce Chapa Discover Financial Services . Michelle Zhang Federal Reserve Bank . Mary Hughes Federal Reserve Bank . Claudia Swendseid FIS . S

20、tephen Gibson-Saxty Fiserv . Dan Otten FIX Protocol Ltd - FPL . Jim Northey Futurex . Ryan Smith Gilbarco Bruce Welch Harland Clarke . John McCleary Hewlett Packard . Susan Langford IBM Corporation . Todd Arnold Independent Community Bankers of America . Cary Whaley Ingenico . Rob Martin ISITC Genev

21、y Dimitrion J.P. Morgan Chase Roy DeCicco KPMG LLP . Mark Lundin MagTek, Inc. Roger Applewhite MagTek, Inc. Mimi Hart MasterCard Europe Sprl Mark Kamers Merchant Advisory Group Liz Garner NACHA The Electronic Payments Association Priscilla Holland National Security Agency . Paul Timmel NCR Corporati

22、on . David Norris Office of Financial Research, U.S. Treasury Department . Justin Stekervetz PCI Security Standards Council Troy Leach RouteOne . Chris Irving RouteOne . Jenna Wolfe State Street Corporation David Blaszkowsky State Street Corporation Sharon Cournoyer SWIFT/Pan Americas Frank Vandries

23、sche Symcor Inc. Debbi Fitzpatrick TECSEC Incorporated . Ed Scheidt The Clearing House . Sharon Jablon U.S. Bank . John King USDA Food and Nutrition Service . Kathy Ottobre Vantiv LLC . Patty Walters VeriFone, Inc Dave Faoro VISA . Kim Wagner Wells Fargo Bank Mark Tiggas ASC X9 TR 472016 ASC X9, Inc

24、. 2016 All rights reserved vii At the time this standard was approved, the X9AB Payments subcommittee had the following members: Daniel Welch, Chairman Jackie Pagn,Vice Chairman John McCleary, Vice Chairman Alan Thiemann, Vice Chairman Organization Represented Representative All My Papers . Ray Higg

25、ins All My Papers . Larry Krummel American Bankers Association . Tom Judd American Bankers Association . Steve Kenneally American Bankers Association . Diane Poole American Express Company David Armes American Express Company Eric Eldridge American Express Company Farid Hatefi American Express Compa

26、ny Vicky Sammons American Express Company John Timar AQ2 Technologies LLC Shawn Box BancTec, Inc. Peter Caporal BancTec, Inc. David Hunt Bank of America . Lashona Brasfield Bank of America . Andi Coleman Bank of America . Kris Krogulecki Bank of America . Greg Nixon Bank of America . Colleen Powers

27、Bank of America . Will Robinson Bank of America . Matthew Sharp Bank of America . Michael Smith Bank of America . Cathy Tuntland Bank of America . David Uitermarkt Bank of America . Daniel Welch Bank of New York Mellon . Kevin Barnes Bank of New York Mellon . Bryan Kirkpatrick Bank of New York Mello

28、n . Arthur Sutton BlackBerry Limited Daniel Brown Capital One . Marie LaQuerre Capital One . Eric Mull Capital One . Sue Tyler CDP, Inc. Johnny Sena Cipherithm Scott Spiker Citigroup, Inc. . Rajendra Agashe Citigroup, Inc. . Karla McKenna Citigroup, Inc. . Luis Meneses Citigroup, Inc. . Mahantesh Mu

29、kartihal Citigroup, Inc. . Rene Schuurman CLS Bank Ram Komarraju Conexxus, Inc. Michael Davis Conexxus, Inc. Gray Taylor Conexxus, Inc. Alan Thiemann Conexxus, Inc. Linda Toth Data Support Systems, Inc. Matt Cunningham Deluxe Corporation . Angela Hendershott Deluxe Corporation . Margiore Romay Delux

30、e Corporation . Andy Vo Diebold, Inc. Bruce Chapa Diebold, Inc. Thomas VanKirk ASC X9 TR 472016 viii ASC X9, Inc. 2016 All rights reserved Discover Financial Services . Gordon Searle Discover Financial Services . Brenda Tobias Discover Financial Services . Michelle Zhang ECCHO Ellen Heffner ECCHO Je

31、nny Johnson ECCHO Phyllis Meyerson Etegrity L.L.C. Penny Tisdale Federal Reserve Bank . Todd Albers Federal Reserve Bank . Cynthia Baxter Federal Reserve Bank . Guy Berg Federal Reserve Bank . Mary Hughes Federal Reserve Bank . Heather Hultquist Federal Reserve Bank . Kathleen Jacob Federal Reserve

32、Bank . Mark Kielman Federal Reserve Bank . Daniel Rozycki Federal Reserve Bank . Claudia Swendseid Fifth Third Bank Craig Jones Fifth Third Bank Jerry Poe Fifth Third Bank Jonathan Taylor Fifth Third Bank Mark Woodward First Data Corporation . Venkatesh Patil First Data Corporation . Randall Rieth F

33、irst Data Corporation . Kerry Sellen FIS . Stephen Gibson-Saxty Fiserv . Laura Drozda Fiserv . Allen Heimerdinger Fiserv . Lori Hood Fiserv . Karen Jackson Fiserv . Richie James Fiserv . Dan Otten Harland Clarke . John McCleary Huntington Bank Jim Posani IBM Corporation . Rod Moon IBM Corporation .

34、Andrew Sutton Independent Community Bankers of America . Viveca Ware Independent Community Bankers of America . Cary Whaley ISITC Steve Goswell iStream Imaging/Bank of Kenney Mike McGuire J.P. Morgan Chase Quantz Bruns-Kyler J.P. Morgan Chase Jackie Pagn J.P. Morgan Chase David Roach MagTek, Inc. Je

35、ff Duncan MAXIMUS, Inc . Peter Relich NACHA The Electronic Payments Association Priscilla Holland National Security Agency . Paul Timmel Navy Federal Credit Union Michael Deegan Navy Federal Credit Union April Haynes Navy Federal Credit Union Vicki Shapiro Navy Federal Credit Union Tynika Wilson NCR

36、 Corporation . David Norris NCR Corporation . Jamie Rossignoli Paychex Inc . Carl Tinch PCI Security Standards Council Ralph Poore RDM Corporation . Leo Tintinalli Rosetta Technologies Jose Cortedano Rosetta Technologies Jim Walling Source Technologies . Wally Burlingham Source Technologies . Chuck

37、Freeman ASC X9 TR 472016 ASC X9, Inc. 2016 All rights reserved ix Standard Register Company Melissa Kirk SWIFT/Pan Americas . Jean-Marie Eloy SWIFT/Pan Americas . Malene McMahon SWIFT/Pan Americas . Stacy Rosenthal Symcor Inc. . Debbi Fitzpatrick Symcor Inc. . Hiren Joshi Symcor Inc. . Ivan Welsh TE

38、CSEC Incorporated Ed Scheidt Texas DSHS WIC EBT . Duane Grabarschick Texas DSHS WIC EBT . John Hannemann The Clearing House Henry Farrar Troy Group, Inc. Michael Riley U.S. Bank Michelle Copher U.S. Bank Tim Dawe U.S. Bank Gina Hebner U.S. Bank Scott LaPlante U.S. Bank Maureen Latendresse U.S. Bank

39、Christopher Stickney U.S. Bank Michelle Wright USDA Food and Nutrition Service Lisa Gifaldi USDA Food and Nutrition Service Patrick Kelley USDA Food and Nutrition Service Erin McBride USDA Food and Nutrition Service Kathy Ottobre Vantiv LLC Patty Walters VeriFone, Inc. . Karl Chrisman VeriFone, Inc.

40、 . Dave Faoro VeriFone, Inc. . Dan Kannady VeriFone, Inc. . Brad McGuinness Viewpointe Richard Luchak VISA John Aafedt VISA Brian Hamilton VISA Glenn Powell Wells Fargo Bank . William Davis Wells Fargo Bank . Jeff Harmon Wells Fargo Bank . Ann Kirk Wells Fargo Bank . Garrett Macey Wells Fargo Bank .

41、 Alan Nguyen Wells Fargo Bank . John Quinn Wells Fargo Bank . Mark Schaffer Wells Fargo Bank . Mark Tiggas Wincor Nixdorf Inc Scott Waldrop Wyoming Department of Health WIC Program Tina Fearneyhough Wyoming Department of Health WIC Program Melissa Sosa Wyoming Department of Health WIC Program David

42、Spindler Wyoming Department of Health WIC Program Tina Fearneyhough Xerox Services LLC Melissa Sosa Wyoming Department of Health WIC Program Chad Main Universal Companion Document Industry Adoption of X9.100-187 Version 1.4 November 13, 2016 Version 1.4 of the Universal Companion Document utilizes A

43、NSI X9.100-187-2016 as the base standard. ASC X9 TR 472016 Universal Companion Document Version 1.4 - Refer to ANSI X9.100-187 for complete standard information ASC X9, Inc. 2016 All rights reserved Page 1 Document Revision History Release Number Description of Change(s) 1.1 November 16, 2009 File H

44、eader Record (Type 01) Added explanation why the Standard Level (Field 2) and Companion Document Version Indicator (Field 14) did not change from the previous UCD. Image View Detail Record (Type 50) Added one new code (1) to the Override Indicator (Field 18) for Imperfect Image Item exchanged under

45、ECCHO Rules. Table of Unique Requirements Fed changed validation from “V” to “NV” for Immediate Destination Name (Field 9 in Record Type 01) and Immediate Origin Name (Field 10 in Record Type 01). Fed indicated in fields Companion Document Version Indicator (Field 14 in Record Type 01) and Returns I

46、ndicator (Field 14 in Record Type 10) will be ignored on Image Cash Letter deposits and will not be populated in presentment files. EEX (Endpoint Exchange) changed validation from “V” to “NV” for Immediate Destination Name (Field 9 in Record Type 01), Immediate Origin Name (Field 10 in Record Type 0

47、1), Bundle ID (Field 7 in Record Type 20), Endorsing Bank Identifier (Field 11 in Record Type 28), Number of Times Returned (Field 14 in Record Type 31), Payor Bank Business Date (Field 5 in Record Type 33), Endorsing Bank Identifier (Field 11 in Record Type 35), Digital Signature Indicator (Field 1

48、0 in Record Type 50), Security Key Size (Field 12 in Record Type 50), Start of Protected Data (Field 13 in Record Type 50), Length of Protected Data (Field 14 in Record Type 50), Image TIFF Variance Indicator (Field 17 in Record Type 50), Override Indicator (Field 18 in Record Type 50), Length of Im

49、age Reference Key (Field 14 in Record Type 52) and Length of Digital Signature (Field 16 in Record Type 50). Added “Validated to data type only.” In Auxiliary On-Us (Field 2 in Record Type 25), External Processing Code (Field 3 in Record Type 25), On-Us (Field 5 in Record Type 25), On-Us (Field 4 in Record Type 31) and Auxiliary On-Us (Field 3 in Record Type 33). 1.2 - April 7, 2010 Changes in Version 1.2 are only for the purpose of clarifying the wording in the previous version. Organizations that have already