ANSI ASC X9 X9.100-187-2016 Electronic Exchange of Check and Image Data.pdf

1、 American National Standard for Financial Services X9.100-1872016 Electronic Exchange of Check and Image Data Developed by Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: August 19, 2016 American National Standards Institute American National Standards, Te

2、chnical Reports and Guides developed through the Accredited Standards Committee X9, Inc., are copyrighted. Copying these documents for personal or commercial use outside X9 membership agreements is prohibited without express written permission of the Accredited Standards Committee X9, Inc. For addit

3、ional information please contact ASC X9, Inc., 275 West Street, Suite 107, Annapolis, MD 21401, USA. This page intentionally left blankX9.100-1872016 ASC X9, Inc. 2016 All rights reserved i Contents Page Foreword. ix Introduction . x 1 Scope and Application 1 1.1 Scope 1 1.2 Purpose. 1 1.3 Presentme

4、nt Disclaimer 1 2 Normative References . 2 3 Terms and Definitions . 2 4 File Structure 8 4.1 Record Types . 8 4.2 File Structure Requirements 8 5 Data and Field Specifications . 12 5.1 Generic Data Types . 12 5.1.1 Alphabetic (A) 13 5.1.2 Numeric (N) 13 5.1.3 Blank (B) . 13 5.1.4 Special characters

5、 (S) . 13 5.1.5 Alphameric (AN) . 13 5.1.6 Alphameric/special (ANS) . 13 5.1.7 Numericblank (NB) 14 5.1.8 Numeric/special (NS) . 14 5.1.9 Binary 14 5.2 Special MICR line data types 14 5.2.1 Asterisk (*) . 14 5.2.2 Dash (-) 14 5.2.3 Forward slash (/) 14 5.2.4 Numericblank/special MICR (NBSM) . 14 5.2

6、.5 Numericblank/special MICR On-Us (NBSMOS) 14 5.3 Fill data . 15 5.4 Data justification 15 5.4.1 Right justification 15 5.4.2 Left justification . 15 5.5 General Field Format . 15 5.6 Amount Fields 15 5.7 User Fields . 15 6 Table Headings Title Descriptions . 16 6.1 Field . 16 6.2 Field Name 16 6.3

7、 Usage 16 6.4 Position . 16 6.5 Size 16 6.6 Type. 16 6.7 Format . 16 6.8 Defined Values . 17 7 File Header Record (Type 01) . 18 7.1 Record Type . 18 7.2 Standard Level . 18 X9.100-1872016 ii ASC X9, Inc. 2016 All rights reserved 7.3 Test File Indicator . 19 7.4 Immediate Destination Routing Number

8、19 7.5 Immediate Origin Routing Number . 19 7.6 File Creation Date 20 7.7 File Creation Time . 20 7.8 Resend Indicator . 20 7.9 Immediate Destination Name . 20 7.10 Immediate Origin Name 21 7.11 File ID Modifier 21 7.12 Country Code 21 7.13 User Field . 21 7.14 Companion Document Indicator . 21 8 Ca

9、sh Letter Header Record (Type 10) . 23 8.1 Record Type 23 8.2 Collection Type Indicator . 24 8.3 Destination Routing Number . 24 8.4 ECE Institution Routing Number . 25 8.5 Cash Letter Business Date. 25 8.6 Cash Letter Creation Date 25 8.7 Cash Letter Creation Time . 26 8.8 Cash Letter Record Type I

10、ndicator . 26 8.9 Cash Letter Documentation Type Indicator . 27 8.10 Cash Letter ID 27 8.11 Originator Contact Name 27 8.12 Originator Contact Phone Number 28 8.13 Fed Work Type 28 8.14 Returns Indicator 28 8.15 User Field . 28 8.16 Reserved 28 9 Bundle Header Record (Type 20) 29 9.1 Record Type 29

11、9.2 Collection Type Indicator . 29 9.3 Destination Routing Number . 30 9.4 ECE Institution Routing Number . 30 9.5 Bundle Business Date 30 9.6 Bundle Creation Date 31 9.7 Bundle ID 31 9.8 Bundle Sequence Number . 31 9.9 Cycle Number 32 9.10 Reserved 32 9.11 User Field . 32 9.12 Reserved 32 10 Check

12、Detail Record (Type 25) 33 10.1 Record Type 33 10.2 Auxiliary On-Us . 34 10.3 External Processing Code 34 10.4 Payor Bank Routing Number . 34 10.5 Payor Bank Routing Number Check Digit 34 10.6 On-Us 35 10.7 Item Amount 35 10.8 ECE Institution Item Sequence Number . 35 10.9 Documentation Type Indicat

13、or 35 X9.100-1872016 ASC X9, Inc. 2016 All rights reserved iii 10.10 Return Acceptance Indicator 36 10.11 MICR Valid Indicator 36 10.12 BOFD Indicator 37 10.13 Check Detail Record Addendum Count 37 10.14 Correction Indicator 37 10.15 Archive Type Indicator 37 11 Check Detail Addendum A Record (Type

14、26) . 39 11.1 Record Type . 40 11.2 Check Detail Addendum A Record Number . 40 11.3 Return Location Routing Number 40 11.4 BOFD / Endorsement Date 40 11.5 BOFD Item Sequence Number . 41 11.6 Deposit Account Number at BOFD 41 11.7 BOFD Deposit Branch . 41 11.8 Payee Name 41 11.9 Truncation Indicator

15、41 11.10 BOFD Conversion Indicator 42 11.11 BOFD Correction Indicator . 42 11.12 User Field . 42 11.13 Reserved . 43 12 Check Detail Addendum B Record (Type 27) . 44 12.1 Record Type . 44 12.2 Image Reference Key Indicator 44 12.3 Microfilm Archive Sequence Number 45 12.4 Length of Image Reference K

16、ey . 45 12.5 Image Reference Key 45 12.6 Description . 46 12.7 User Field . 46 12.8 Reserved . 46 13 Check Detail Addendum C Record (Type 28) . 47 13.1 Record Type . 47 13.2 Check Detail Addendum C Record Number . 48 13.3 Endorsing Bank Routing Number 48 13.4 BOFD / Endorsement Business Date . 48 13

17、.5 Endorsing Bank Item Sequence Number 48 13.6 Truncation Indicator 49 13.7 Endorsing Bank Conversion Indicator 49 13.8 Endorsing Bank Correction Indicator 49 13.9 Return Reason . 50 13.10 User Field . 50 13.11 Endorsing Bank Identifier . 50 13.12 Reserved . 50 14 Return Record (Type 31) . 51 14.1 R

18、ecord Type . 51 14.2 Payor Bank Routing Number 52 14.3 Payor Bank Routing Number Check Digit . 52 14.4 On-Us 52 14.5 Item Amount . 52 14.6 Return Reason . 53 14.7 Return Record Addendum Count 53 14.8 Return Documentation Type Indicator 53 X9.100-1872016 iv ASC X9, Inc. 2016 All rights reserved 14.9

19、Forward Bundle Date 53 14.10 ECE Institution Item Sequence Number . 54 14.11 External Processing Code 54 14.12 Return Notification Indicator 54 14.13 Archive Type Indicator . 55 14.14 Number of Times Returned 55 14.15 Reserved 55 15 Return Addendum A Record (Type 32) . 56 15.1 Record Type 57 15.2 Re

20、turn Addendum A Record Number . 57 15.3 Return Location Routing Number . 57 15.4 BOFD / Endorsement Business Date 57 15.5 BOFD Item Sequence Number . 58 15.6 Deposit Account Number at BOFD . 58 15.7 BOFD Deposit Branch 58 15.8 Payee Name . 58 15.9 Truncation Indicator . 58 15.10 BOFD Conversion Indi

21、cator . 59 15.11 BOFD Correction Indicator . 59 15.12 User Field . 59 15.13 Reserved 60 16 Return Addendum B Record (Type 33) . 61 16.1 Record Type 61 16.2 Payor Bank Name 61 16.3 Auxiliary On-Us . 61 16.4 Payor Bank Item Sequence Number . 62 16.5 Payor Bank Business Date. 62 16.6 Payor Account Name

22、 62 17 Return Addendum C Record (Type 34) . 63 17.1 Record Type 63 17.2 Image Reference Key Indicator . 63 17.3 Microfilm Archive Sequence Number . 64 17.4 Length of Image Reference Key 64 17.5 Image Reference Key 64 17.6 Description. 65 17.7 User Field . 65 17.8 Reserved 65 18 Return Addendum D Rec

23、ord (Type 35) . 66 18.1 Record Type 66 18.2 Return Addendum D Record Number . 67 18.3 Endorsing Bank Routing Number . 67 18.4 BOFD / Endorsement Business Date 67 18.5 Endorsing Bank Item Sequence Number . 67 18.6 Truncation Indicator . 68 18.7 Endorsing Bank Conversion Indicator . 68 18.8 Endorsing

24、Bank Correction Indicator . 68 18.9 Return Reason . 69 18.10 User Field . 69 18.11 Endorsing Bank Identifier 69 18.12 Reserved 69 19 Account Totals Detail Record (Type 40) . 70 X9.100-1872016 ASC X9, Inc. 2016 All rights reserved v 20 Non-Hit Totals Detail Record (Type 41) . 71 21 Image View Detail

25、Record (Type 50) 72 21.1 Record Type . 73 21.2 Image Indicator 73 21.3 Image Creator Routing Number . 73 21.4 Image Creator Date 73 21.5 Image View Format Indicator 74 21.6 Image View Compression Algorithm Identifier . 74 21.7 Image View Data Size 74 21.8 View Side Indicator 75 21.9 View Descriptor

26、75 21.10 Digital Signature Indicator 75 21.11 Digital Signature Method 76 21.12 Security Key Size . 76 21.13 Start of Protected Data 76 21.14 Length of Protected Data 77 21.15 Image Recreate Indicator 77 21.16 User Field . 77 21.17 Reserved . 77 21.18 Override Indicator 78 21.19 Reserved . 78 22 Ima

27、ge View Data Record (Type 52) 79 22.1 Record Type . 80 22.2 ECE Institution Routing Number 80 22.3 Bundle Business Date . 80 22.4 Cycle Number . 81 22.5 ECE Institution Item Sequence Number 81 22.6 Security Originator Name . 81 22.7 Security Authenticator Name . 81 22.8 Security Key Name 82 22.9 Cli

28、pping Origin . 82 22.10 Clipping Coordinate h1 . 82 22.11 Clipping Coordinate h2 . 83 22.12 Clipping Coordinate v1 . 83 22.13 Clipping Coordinates v2 . 83 22.14 Length of Image Reference Key . 84 22.15 Image Reference Key 84 22.16 Length of Digital Signature . 84 22.17 Digital Signature 84 22.18 Len

29、gth of Image Data 85 22.19 Image Data 85 23 Image View Analysis Record (Type 54) . 86 23.1 Record Type . 87 23.2 Global Image Quality . 87 23.3 Global Image Usability 87 23.4 Imaging Bank Specific Test 87 23.5 Partial Image 88 23.6 Excessive Image Skew 88 23.7 Piggyback Image . 88 23.8 Too Light Or

30、Too Dark . 89 23.9 Streaks And Or Bands. 89 23.10 Below Minimum Image Size 89 X9.100-1872016 vi ASC X9, Inc. 2016 All rights reserved 23.11 Exceeds Maximum Image Size 89 23.12 Reserved 90 23.13 Image-Enabled POD 90 23.14 Source Document Bad 90 23.15 Date Usability 91 23.16 Payee Usability 91 23.17 C

31、onvenience Amount Usability . 91 23.18 Amount in Words (Legal Amount) Usability . 91 23.19 Signature Usability 92 23.20 Payor Name And Address Usability 92 23.21 MICR Line Usability . 92 23.22 Memo Line Usability . 93 23.23 Payor Bank Name And Address Usability 93 23.24 Payee Endorsement Usability 9

32、3 23.25 Bank Of First Deposit Endorsement Usability . 93 23.26 Transit Endorsement Usability 94 23.27 Reserved 94 23.28 User Field . 94 23.29 Reserved 94 24 Credit/Reconciliation Record (Type 61) 96 25 Credit Record (Type 62) 97 25.1 Record Type 97 25.2 Auxiliary On-Us . 97 25.3 External Processing

33、Code (EPC) . 98 25.4 Posting Bank Routing Number 98 25.5 On-Us 98 25.6 Item Amount 98 25.7 Credit Item Sequence Number . 99 25.8 Documentation Type Indicator 99 25.9 Type of Account Code 99 25.10 Source of Work Code 100 25.11 User Field . 100 25.12 Reserved 100 26 User Record (Type 68)General Format

34、 Record 101 26.1 Record Type 101 26.2 Owner Identifier Indicator . 101 26.3 Owner Identifier . 102 26.4 Owner Identifier Modifier 102 26.5 User Record Format Type 102 26.6 Format Type Version Level 103 26.7 Length of User Data 103 26.8 User Data 103 27 User Record (Type 68)Format Type 001 - Payee En

35、dorsement Record 104 27.1 Record Type 104 27.2 Owner Identifier Indicator . 105 27.3 Owner Identifier . 105 27.4 Owner Identifier Modifier 105 27.5 User Record Format Type 105 27.6 Format Type Version Level 106 27.7 Length of User Data 106 27.8 Name of Payee . 106 X9.100-1872016 ASC X9, Inc. 2016 Al

36、l rights reserved vii 27.9 Endorsement Date . 106 27.10 Bank Routing Number . 107 27.11 Bank Account Number 107 27.12 Customer Identifier 107 27.13 Customer Contact Information . 107 27.14 Store / Merchant / Processing Site Number 107 27.15 Internal Control / Sequence Number . 108 27.16 Time. 108 27

37、.17 Operator Name / Initials 108 27.18 Operator Number . 108 27.19 Manager / Supervisor Name / Initials . 109 27.20 Manager/Supervisor Number . 109 27.21 Equipment Number 109 27.22 Endorsement Indicator 109 27.23 User Field . 110 28 Bundle Control Record (Type 70) 111 28.1 Record Type . 111 28.2 Ite

38、ms Within Bundle Count . 111 28.3 Bundle Total Amount 111 28.4 MICR Valid Total Amount 112 28.5 Images Within Bundle Count 112 28.6 User Field . 112 28.7 Credit Total Indicator . 112 28.8 Reserved . 113 29 Box Summary Record (Type 75) 114 30 Routing Number Summary Record (Type 85) . 115 30.1 Record

39、Type . 115 30.2 Routing Number Within Cash Letter 115 30.3 Routing Number Total Amount 115 30.4 Routing Number Item Count . 116 30.5 User Field . 116 30.6 Reserved . 116 31 Cash Letter Control Record (Type 90) . 117 31.1 Record Type . 117 31.2 Bundle Count . 117 31.3 Items Within Cash Letter Count .

40、 117 31.4 Cash Letter Total Amount . 118 31.5 Images Within Cash Letter Count 118 31.6 ECE Institution Name 118 31.7 Settlement Date 118 31.8 Credit Total Indicator . 119 31.9 Reserved . 119 32 File Control Record (Type 99) 120 32.1 Record Type . 120 32.2 Cash Letter Count 120 32.3 Total Record Coun

41、t . 120 32.4 Total Item Count 121 32.5 File Total Amount 121 32.6 Immediate Origin Contact Name 121 32.7 Immediate Origin Contact Phone Number 121 32.8 Credit Total Indicator . 121 X9.100-1872016 viii ASC X9, Inc. 2016 All rights reserved 32.9 Reserved 122 Annex A (Normative) On-Us Field Format . 12

42、3 Annex B (Normative) Return Reason Codes . 125 Annex C (Normative) Relationship of Cash Letter Record Type Indicator and Cash Letter Documentation Type Indicator 126 Annex D (Normative) Variable Length Record File . 128 Annex E (Normative) Image Record Definitions . 131 Annex F (Informative) Check

43、Digit Calculation . 133 Annex G (Informative) Examples of Electronic Exchange File Structures 134 Annex H (Informative) Locator Keys 141 Annex I (Informative) Endorsements . 144 Annex J (Informative) Optional Type 6x Records . 147 Annex K (Informative) Reject of a Return 154 Annex L (Informative) Di

44、fferences Between This Standard and Previous Standards 156 Tables Table 1 Special Characters 13 Figures Figure 1 Forward and Return Cash Letter Hierarchy Diagram . 10 Figure 2 Forward Presentment Item Hierarchy Diagram 11 Figure 3 Return Item Hierarchy Diagram 12 Figure D.1Big EndianInserted Length

45、Field 128 Figure D.2Little EndianInserted Length Field . 129 Figure D.3Big Endian - Inserted Length Field . 129 Figure D.4Little EndianInserted Length Field . 130 Figure J.1Credit Item . 149 Figure J.2Forward Presentment Bundle with Credit Items 149 Figure J.3Credit-Only Cash Letter 150 X9.100-18720

46、16 ASC X9, Inc. 2016 All rights reserved ix Foreword Approval of an American National Standard requires verification by ANSI that the requirements for due process, consensus, and other criteria for approval have been met by the standards developer. Consensus is established when, in the judgment of t

47、he ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement means much more than a simple majority, but not necessarily unanimity. Consensus requires that all views and objections be considered, and that a concerted e

48、ffort be made toward their resolution. The use of American National Standards is completely voluntary; their existence does not in any respect preclude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing, or using products, processes, or procedures not conf

49、orming to the standards. The American National Standards Institute does not develop standards and will in no circumstances give an interpretation of any American National Standard. Moreover, no person shall have the right or authority to issue an interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name appears on the title page of this standard. CAUTION NOTICE: This American National Standard