ANSI ASC X9 X9.100-40-2-2008 Check Image Tests Part 2 Application and Registration Procedures for Check Image Tests.pdf

1、 ASC X9, Inc. 2012 All rights reserved American National Standard for Financial Services ANSI X9.100-40-2-2008(R2017) Check Image Tests Part 2: Application and Registration Procedures for Check Image Tests Developed by Accredited Standards Committee X9, Incorporated Financial Industry Standard Date

2、Approved: October 16, 2008 (R2012) Date Reaffirmed: October 11, 2017 American National Standards Institute American National Standards, Technical Reports and Guides developed through the Accredited Standards Committee X9, Inc., are copyrighted. Copying these documents for personal or commercial use

3、outside X9 membership agreements is prohibited without express written permission of the Accredited Standards Committee X9, Inc. For additional information please contact ASC X9, Inc., 275 West Street, Suite 107, Annapolis, Maryland 21401 USA. ANSI X9.100-40-2-2008 (R2017) 2017 All rights reserved i

4、ii Contents Foreword v Introduction vi 1 Scope 1 2 Normative References . 1 3 Terms and Definitions . 1 4 ASC X9 Applicable Check Standards 2 5 Applicant 2 5.1 Role of Applicant . 2 6 Registration Authority for Check Image Tests (RA) 2 6.1 Role of RA 2 6.2 RA Designation 3 7 X9 Registration Manageme

5、nt Group for Check Image Tests (RMG) 3 7.1 Role of RMG . 3 7.2 Constitution 3 7.3 Election Procedure 3 7.4 Quorum . 4 7.5 Voting Procedures . 4 7.6 Conflict of Interest . 5 7.7 Requirements of RMG Membership Candidates 5 7.7.1 Obligatory Responsibilities 5 7.7.2 Expected Responsibilities 6 7.8 Respo

6、nsibilities of RMG Chair . 6 7.9 Responsibilities of RMG Recording Secretary . 6 8 Application and Registration Procedures . 7 8.1 Diagram of the Application Submission and Approval Process 7 8.2 Application Procedure to Register a Check Image Test 7 8.3 Applicant Notification 7 9 Responsibilities .

7、 9 9.1 Responsibilities of Applicant . 9 9.2 Responsibilities of Registration Authority (RA) . 9 9.3 Responsibilities of Registration Management Group (RMG) 10 10 Criteria for Approval of an Application for a Check Image Test . 11 11 Usage of Approved Check Image Tests 12 12 Appeal Process 12 13 X9

8、Registry for Check Image Tests . 12 13.1 Publication and Availability 12 13.2 Publication of Applicant Information . 12 13.3 Disclaimer Statement 13 13.4 Removal from X9 Registry for Check Image Tests 13 13.5 Intellectual Property 13 Annex A (Normative) - Application Template 14 Annex B (Normative)

9、- Statement from Proprietary IP Holder . 17 Annex C (Informative) Sample Application for Registering a New Check Image Test . 18 ANSI X9.100-40-2-2008 (R2017) iv 2017 All rights reserved Annex D (Informative) Designation of the Registration Authority for Check Image Tests 21 Figures Figure 1 Process

10、 to Apply for and Register a New Check Image Test . 8 ANSI X9.100-40-2-2008 (R2017) 2017 All rights reserved v 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 stand

11、ards developer. Consensus is established when, in the judgment of the 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

12、that all views and objections be considered, and that a concerted effort 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, marketin

13、g, purchasing, or using products, processes, or procedures not conforming 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 authorit

14、y 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

15、 may be revised or withdrawn at any time. The procedures of the American National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the date of approval. Published by Accredited Standards Committee X9, Inc. Financial Industr

16、y Standards 275 West Street, Suite 107 Annapolis, Maryland 21401 X9 Online http:/www.x9.org Copyright 2017 ASC X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. P

17、ublished in the United States of America. ANSI X9.100-40-2-2008 (R2017) vi 2017 All rights reserved Introduction Note: The users attention is called to the possibility that check image tests defined in the X9 Registry for Check Image Tests may require use of an invention covered by patent rights. By

18、 publication of this standard, no position is taken with respect to the validity of claims or of any patent rights in connection with the registered check image tests in the X9 Registry for Check Image Tests. The X9 Patent Policy in the X9 Procedures requires that patent holders file a statement of

19、willingness to grant a license under these rights on reasonable and non discriminatory terms and conditions to Applicants desiring to obtain such a license. Holders of other Intellectual Property Rights in connection with the registered check image tests in the X9 Registry for Check Image Tests are

20、required to file a statement in accordance with Annex B in this Part 2 standard. Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, 275 West Street, Suit

21、e 107, Annapolis, MD 21401 USA. This Standard was processed and approved for submittal to ANSI by the Accredited Standards Committee on Financial Services, X9. Committee approval of the Standard does not necessarily imply that all the committee members voted for its approval. At the time the standar

22、d was approved the X9 committee had the following members: Roy DeCicco, X9 Chairman Angela Hendershott, X9 Vice-Chair Steve Stevens, Executive Director Janet Busch, Program Manager Organization Represented Representative ACI Worldwide Doug Grote American Bankers Association . Diane Poole American Ex

23、press Company David Moore Bank of America . Daniel Welch Bank of New York Mellon . Arthur Sutton Blackhawk Network Anthony Redondo Bloomberg LP . Corby Dear Capital One . Marie LaQuerre Citigroup, Inc. Karla McKenna CLS Bank Ram Komarraju Conexxus, Inc. Gray Taylor CUSIP Service Bureau . Gerard Faul

24、kner Delap LLP . Andrea Beatty Delap LLP . Darlene Kargel Deluxe Corporation . Angela Hendershott Diebold Nixdorf . Bruce Chapa Discover Financial Services . Michelle Zhang eCurrency . David Wen Federal Reserve Bank Mary Hughes First Data Corporation Lisa Curry ANSI X9.100-40-2-2008 (R2017) 2017 All

25、 rights reserved vii FIS . Stephen Gibson-Saxty Fiserv . Dan Otten FIX Protocol Ltd - FPL . Jim Northey Futurex . Ryan Smith Gilbarco Bruce Welch Harland Clarke . John McCleary Hewlett Packard . Terence Spies IBM Corporation . Todd Arnold Independent Community Bankers of America . Cary Whaley Ingeni

26、co . Rob Martin ISARA Corporation Alexander Truskovsky ISITC Jason Brasile ITS, Inc. (SHAZAM Networks) . Manish Nathwani J.P. Morgan Chase Roy DeCicco KPMG LLP . Mark Lundin MagTek, Inc. Mimi Hart MasterCard Europe Sprl Mark Kamers NACHA The Electronic Payments Association Priscilla Holland National

27、 Security Agency . Paul Timmel Nautilus Hyosung . Joe Militello NCR Corporation . David Norris Office of Financial Research, U.S. Treasury Department . Thomas Brown Jr. PCI Security Standards Council Troy Leach RouteOne. Chris Irving RouteOne. Jenna Wolfe State Street Corporation Jason Brasile SWIFT

28、/Pan Americas Karin DeRidder SWIFT/Pan Americas Frank Vandriessche Symcor Inc. Debbi Fitzpatrick TECSEC Incorporated . Ed Scheidt The Clearing House . Sharon Jablon U.S. Bank . John King U.S. Commodity Futures Trading Commission (CFTC) Robert Stowsky USDA Food and Nutrition Service . Kathy Ottobre V

29、antiv LLC . John Hall VeriFone, Inc. Dave Faoro VISA . Kim Wagner Wayne Fueling Systems Steven Bowles Wells Fargo Bank Mark Schaffer ANSI X9.100-40-2-2008 (R2017) viii 2017 All rights reserved The X9B Payments subcommittee had the following members: Daniel Welch, X9B Chairman Jackie Pagn, X9B Vice C

30、hair John McCleary, X9B Vice Chair Organization Represented Representative All My Papers Tony Fera All My Papers Ray Higgins American Bankers Association . Tom Judd American Bankers Association . Steve Kenneally American Bankers Association . Diane Poole American Express Company Farid Hatefi America

31、n Express Company kati Hausman American Express Company John Timar BancTec, Inc. Peter Caporal BancTec, Inc. David Hunt Bank of America . Andi Coleman Bank of America . Kris Krogulecki Bank of America . Lawrence LaBella Bank of America . Greg Nixon Bank of America . Craig Palmer Bank of America . Ca

32、thy Tuntland Bank of America . Daniel Welch Bank of New York Mellon . Kevin Barnes Bank of New York Mellon . Arthur Sutton BlackBerry Limited Daniel Brown Blackhawk Network Vijay Bolina Bloomberg LP . Rich Robinson Bose Rama Bhardwaj Capital One . Matthew Hines Capital One . Marie LaQuerre Capital O

33、ne . Rick Mistr Capital One . Eric Mull Capital One . Sue Tyler Cipherithm Scott Spiker Citigroup, Inc. Rajendra Agashe Citigroup, Inc. Karla McKenna Citigroup, Inc. Luis Meneses Citigroup, Inc. Mahantesh Mukartihal Citigroup, Inc. Cathrine Reinecke Citigroup, Inc. Rene Schuurman Citigroup, Inc. La

34、Donna White CLS Bank Ram Komarraju Conduent Jennifer Baur Conexxus, Inc. Michael Davis Conexxus, Inc. Gray Taylor Data Support Systems, Inc. Matt Cunningham Deluxe Corporation . Jason Clark ANSI X9.100-40-2-2008 (R2017) 2017 All rights reserved ix Deluxe Corporation Angela Hendershott Deluxe Corpora

35、tion Margiore Romay Deluxe Corporation Andy Vo Diebold Nixdorf Bruce Chapa Diebold Nixdorf Thomas VanKirk Discover Financial Services. Cheryl Mish Discover Financial Services. Gordon Searle Discover Financial Services. Brenda Tobias Discover Financial Services. Michelle Zhang ECCHO Ellen Heffner ECC

36、HO Jenny Johnson ECCHO Phyllis Meyerson eCurrency David Wen Federal Reserve Bank . Todd Albers Federal Reserve Bank . Guy Berg Federal Reserve Bank . Amanda Dorphy Federal Reserve Bank . Mary Hughes Federal Reserve Bank . Heather Hultquist Federal Reserve Bank . Mark Kielman Federal Reserve Bank . J

37、anet LaFrence Federal Reserve Bank . Patti Ritter Federal Reserve Bank . Daniel Rozycki Fifth Third Bank . Craig Jones Fifth Third Bank . Rosie Meyer Fifth Third Bank . Juan Munoz Fifth Third Bank . Jerry Poe Fifth Third Bank . Jonathan Taylor Fifth Third Bank . Mark Woodward First Data Corporation

38、. Randall Rieth First Data Corporation . Theodore Sanchious First Data Corporation . Kerry Sellen FIS . Denise Bender FIS . Stephen Gibson-Saxty Fiserv . Edward Hanna Fiserv . Allen Heimerdinger Fiserv . Lori Hood Fiserv . Karen Jackson Fiserv . Richie James Fiserv . Dan Otten Harland Clarke . John

39、McCleary Huntington Bank Patrick Hornyak IBM Corporation . Todd Arnold IBM Corporation . Rod Moon IBM Corporation . Andrew Sutton Independent Community Bankers of America . Cary Whaley ISITC Steve Goswell iStream Imaging/Bank of Kenney Mike McGuire J.P. Morgan Chase Clinton Jones J.P. Morgan Chase J

40、ackie Pagn J.P. Morgan Chase David Roach J.P. Morgan Chase Matthew Williams MagTek, Inc. Jeff Duncan MasterCard Europe Sprl Leland Englebardt MasterCard Europe Sprl Kevin Maxham MasterCard Europe Sprl Iain Young ANSI X9.100-40-2-2008 (R2017) x 2017 All rights reserved NACHA The Electronic Payments A

41、ssociation Priscilla Holland National Security Agency . Paul Timmel Navy Federal Credit Union . Melissa Ayala Navy Federal Credit Union . Michael Deegan Navy Federal Credit Union . April Haynes Navy Federal Credit Union . Erica Livingston Navy Federal Credit Union . Ola Saliu Navy Federal Credit Uni

42、on . Vicki Shapiro Navy Federal Credit Union . Tynika Wilson NCR Corporation Tanika Eng NCR Corporation Stephen Gawne NCR Corporation David Norris NCR Corporation Gregg Simmons Office of Financial Research, U.S. Treasury Department Bill Nichols Paychex Inc Carl Tinch PCI Security Standards Council .

43、 Elizabeth Terry RDM Corporation Leo Tintinalli Rosetta Technologies . Jose Cortedano Rosetta Technologies . Rob Hullar Rosetta Technologies . Jim Walling SoliSYSTEMS Corp. . Roque Solis Source Technologies Wally Burlingham Source Technologies Chuck Freeman Standard Register Company Melissa Kirk SWI

44、FT/Pan Americas . Karin DeRidder SWIFT/Pan Americas . Jean-Marie Eloy Symcor Inc. . Debbi Fitzpatrick Symcor Inc. . Hiren Joshi Symcor Inc. . Ivan Welsh TECSEC Incorporated Ed Scheidt TECSEC Incorporated Jay Wack U.S. Bank Michelle Copher U.S. Bank Tim Dawe U.S. Bank Gina Hebner U.S. Bank Scott LaPl

45、ante U.S. Bank Maureen Latendresse U.S. Bank Christopher Stickney U.S. Bank Michelle Wright VeriFone, Inc. . Karl Chrisman VeriFone, Inc. . Dave Faoro VeriFone, Inc. . Dan Kannady Viewpointe Richard Luchak VISA John Aafedt VISA Kristina Breen VISA Brian Hamilton VISA Hap Huynh VISA Glenn Powell VISA

46、 Dan Sanford VISA Kim Wagner VISA Kevin Weller Wells Fargo Bank . Jared Anderson Wells Fargo Bank . Sotos Barkas Wells Fargo Bank . William Davis Wells Fargo Bank . Veronica Flanagan Wells Fargo Bank . Alexandra Greenfield ANSI X9.100-40-2-2008 (R2017) 2017 All rights reserved xi Wells Fargo Bank Ph

47、illip Griffin Wells Fargo Bank Jeff Harmon Wells Fargo Bank Ryan Hegland Wells Fargo Bank Ann Kirk Wells Fargo Bank Garrett Macey Wells Fargo Bank Alan Nguyen Wells Fargo Bank Steve Puffer Wells Fargo Bank John Quinn Wells Fargo Bank Mark Schaffer Wells Fargo Bank John Walker ANSI X9.100-40-2-2008 (

48、R2017) xii 2017 All rights reserved Under ASC X9, Inc. procedures, a working group may be established to address specific segments of work under the ASC X9 Committee or one of its subcommittees. A working group exists only to develop standard(s) or guideline(s) in a specific area and is then disband

49、ed. The individual experts are listed with their affiliated organizations. However, this does not imply that the organization has approved the content of the standard or guideline. (Note: Per X9 policy, company names of non-member participants are listed only if, at the time of publication, the X9 Secretariat received an original signed release permitting such company names to appear in print.) The members of the Registration Management Group for Check Image Tests formed the working group that developed this revision of the standard. Thi