X9 Board of Directors
Has the final decisions on new work efforts to develop standards, is the ultimate decision on approval of standards, acts as the USA Technical Advisory Group (TAG) to ISO TC68 for international standards. The Board of Directors are the Category A membership or what ANSI terms the Consensus Body. Subcommittees with experts mirroring important business sectors of the financial services industry report to the Board of Directors. Under these broad business areas of the Subcommittees additional experts are organized into Working Groups.
X9A Retail Payments Subcommittee
The X9A Retail Payments Subcommittee develops and supports standards that are focused on retail card and mobile based payments affecting consumers, including electronic benefits. X9A Retail Payments also houses U.S. mirror groups to ISO TC68 groups responsible for developing and supporting international retail card and mobile based payments.
X9B Checks and Back-office Operations Subcommittee
The X9B Core Payments Subcommittee develops and supports standards that are focused on interoperability and reduction of dependency on manual and paper-based processing. Presently, the X9B Core Payments Subcommittee supports standards for design of all elements of manufacturing, electronic processing and delivery of checks, as well as other paper-based back-office operations, such as legal orders (subpoenas, levies, etc.).
WGB1 – Organization of Standards Paper/Image
WGB1 updates the Technical Report 100 (TR 100) – Organization of Check and Image Standards — to recap the relationship among the check and technical reports. The TR 100 contains the unique terminology used in X9’s check standards and encourages discipline in use of terminology for consistency and precision cross X9’s check standards.
WGB2 – Design of Checks: Optical Background Measurement for MICR Documents
Organizations concerned with image usability may be interested in participating in X9B11. The working group is revising X9.100-110 (formerly X9.7 – Specifications for Check Documents and X9.100-30 Optical Background Measurement Specifications for MICR documents also formerly X9.7. Currently under consideration is mark placement to support X9.100-172 revisions to improve retention of data during image processing.
WGB3 – Image Replacement Document
This Image Replacement Document (IRD) focused working group is assessing open items that were deferred until the industry had experience with the use of the IRD and will reflect operational issues discovered through the last two years’ experience. As experience with implementation progresses, the working group is carefully considering how to maintain operational compatibility during a transitions period where two specifications are used by the industry. Organizations that process high volumes of IRDs should consider active participation in this working group, others will need to monitor the differences between the 2004 standard and the revisions in development.
WGB5 – Bulk Data & Image Delivery
X9B5 work group developed the Bulk Data and Image Delivery XML-based specification intended to provide the industry with a specification for bulk data and image delivery to facilitate interoperability across diverse platforms and uses. While this standard is flexible, the focus is to provide a common structure for interchanging image and related data associated with check-based financial transactions.
WGB6 – TIFF Requirements for Exchange
B6 is assessing whether any changes are needed to the Specifications for Electronic Check Adjustments (X9.100-183) draft standard for trial use, which specifies common electronic exchange of check adjustments. The format supports; adjustment requests, adjustment notices, other adjustment related messages and to work in conjunction with the check data and image exchange documents (X9.37 and X9.100-180). Those interested in driving the cost down for manual exception processes should participate in the revision.
WGB7 – Quality MICR Printing & Evaluation
X9B7 is currently reviewing Part 2 of X9.100-160, Placement and Location of Magnetic Ink Printing, EPC Field Use, to determine whether to add a new digit to identify checks being placed in carrier documents for return to the bank of first deposit.
WGB9 – Check Image Test and Registry Process
B9 work group is defining the elements and structure for standard check image tests (X9.100-40 Check Image Test and Part 2) which describes the application and registration procedures used to register check image tests conforming to Part 1 of this standard used by the financial industry to assess specific attributes of check images. The standard establishes a framework for defining check image tests, conveying the results from executing a check image test, and conveying any parameters used in executing check image tests.
WGB10 – Paper Specifications for Checks
Working Group B10 is revising American National Standard X9.100-10-2006: Paper Specifications for MICR Documents specifically related to errors discovered in a table of the document. This standard establishes paper specifications for the MICR documents use in the US Payments system.
WGB11 – Electronic Benefits Transactions
The two part Electronic Benefits Transactions (EBT) standard specifies message structure format and content, data elements and values for data elements used in EBTs. The revised X9.93 standard was published in February 2014. The new work effort is X9.131 WIC retailer interface standard for Smart Cards used in Electronic Benefits Transfer in the WIC Program.
WGB12 – Guide to Check Security
WGB12 is developing educational information about check fraud and how to identify risk and implement fraud prevention programs. This TR is being updated to acknowledge fraud potential in an electronic check processing environment that did not exist when the report was last issued. Organizations interested in helping to prepare comprehensive fraud recognition and prevention reports should consider working on this effort.
WGB17 – Interoperable Verification of Image Survivable Check Security Features
This WG is drafting eXtensible Markup Language (XML) data elements, structures and schemes needed to facilitate the operation of a frame work that enables the interoperable verification of any compliant image-survivable check security features. The parts of this standard, including the normative annexes, establish a Mark Preamble, the location and printing restrictions, the message structures, file layouts, record types, and field formats to be used for the electronic exchange of information necessary to perform verification of image-survivable check security features in an interoperable manner.
WGB18 – Automated Check Adjustments
WGB18 was formed to create a standard to provide the financial industry with a format to perform electronic exchange of check adjustments. The format supports all adjustment requests, adjustment notices and other related messages. Intent is to establish a file format that can be used by any system where an adjustment file can be sent to automate transmission. Members include financial institutions and vendors.
WGB20 – (IBAN) International Bank Account Number
WGB20 was formed to reply to the international standards ISO 13569 (IBAN), U.S. financial institutions lack a standard International Bank Account Number (IBAN) for use with their trading partners outside the United States. The US IBAN will clarify routing instructions for transactions and help eliminate routing errors and delays. Mandated in EU countries, the International Standard ISO 13569, specifies the elements of an international bank account number (IBAN), used to facilitate the processing of data in data interchange internationally – in financial environments as well as within and between other industries. The IBAN is designed for automated processing, but can also be used in other media interchange when appropriate. The International Standard does not specify internal procedures, file organization techniques, storage media, languages, etc. to be used in implementation, nor is it designed to facilitate routing messages within a network. It is applicable to the text data conveyed through a system (network).
X9C Corporate Banking Subcommittee
Corporate banking is an umbrella term for treasury, finance, and cash management functions within a corporation and for banking services offered to corporations. Corporate banking is separate from capital-raising, mergers advice or risk mitigation. It’s usually the work-a-day stuff of a corporate treasurer: Moving cash between thousands of separate accounts; handling foreign-currency transactions; financing short-term trade balances; and processing customer payments.
WGX9C1 – Balance Transaction Reporting Specification (formerly BAI’s Cash Management Reporting)
This former BAI “standard” was legally transferred (the copyright) to X9 and X9 has copyrighted the standard in its own name. The codes contained in the former BAI Cash Management Reporting document are widely used in the area of cash management reporting by banks and corporate. The project will convert the existing codes into a formal cash reporting standard and update all relevant areas. Given the widespread international use of the “BAI codes” the final work product will consider the needs of a broader community including its relevance to ISO 20022. Finer details of the work effort are being prepared in advance of the September 2009 initiation of the revision work effort.
X9D Securities Subcommittee
X9D is the securities subcommittee of X9. Their scope includes the development, maintenance and adoption of standards that facilitate global straight through processing and shortened settlement cycles in the securities industry. It also includes the maintenance of standards for clearance, settlement, transfer and related processes for physical securities in the US marketplace.X9D develops recommendations for US input into ISO 20022 Securities work efforts.
X9F Data & Information Security Subcommittee
X9F work efforts focus on data and information security standards. The X9F subcommittee is currently involved in projects like message encipherment and digital signature algorithms. Members in this group are actively involved both nationally and internationally on identity theft issues.
WGF1 – Cryptographic Tools
Cryptographic Tools is responsible for drafting cryptographic algorithm standards under the Subcommittee F Security. These tools are intended to be used to provide confidentiality, integrity, and non-repudiation protection to financial data as well as to authenticate financial system users. Standards drafted within the X9F1 working group are often referenced within other ASC X9 standards when these protections are required. Standards drafted in the X9F1 working group are based upon accepted cryptographic practices and sound mathematical techniques. The X9F1 working group maintains the ASC X9 Registry of Approved Security Standards and Standard Techniques, which contains standards and techniques that were developed outside of ASC X9 but are now approved for ASC X9 use. Participants in F1 include Government cryptographic standards developers, cryptographic product vendors, and occasionally a banker.
WGF4 – Cryptographic Protocol and Application Security
The X9F4 working group focuses on drafting security standards for the proper implementation and evaluation of protocols and technologies for the financial services industry. One of three working groups reporting to the X9 Subcommittee F – Security and established in 1996 to draft a secure remote banking standard, the X9F4 working group has had its scope expanded over the years to include cryptographic message syntax (CMS), public key infrastructure (PKI), biometrics, trusted time stamps and mutual authentication standards drafting. X9F4 membership consists of consultants, auditors, attorneys, service providers, product providers and end-users, including both government as well as financial institutions. X9F4 provides technical comments on international standards in support of the X9 role as the US technical advisory group (TAG) to ISO technical committee 68 Financial Services. Overall the X9F4 working group is drafting or initiating revisions to over a dozen standards.
WGF6 – Cardholder Authentication and ICC’s
X9F6 writes and maintains standards used in retail financial services to support authentication of payment card users. The suite of standards addressed by the working group includes standards on the secure management and handling of Personal Identification Numbers (PINs), encryption key management for keys used in retail financial transactions, message authentication, tamper resistant security module evaluation, and Integrated Chip Cards (ICCs). The working group is also responsible for a series of technical reports that provide usage guidance for its standards.