X9 Board / Subcommittees
X9 Board of Directors
The X9 Board of Directors makes the final decisions on new work efforts to develop standards and makes the ultimate decision on approval of standards. Thus, the Board of Directors acts as the Consensus Body within X9. This group also acts as the U.S. Technical Advisory Group (TAG) to ISO TC68 and ISO TC322 for international standards. 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 Electronic and Emerging Payments Subcommittee
The X9A subcommittee develops and supports standards that are focused on electronic and mobile payments, including wholesale, retail, and benefits. This subcommittees also houses U.S. mirror groups to ISO TC68 that are responsible for developing and supporting international retail card and mobile-based payments.
X9A1 – Distributed Ledger Terminology (DLT)
The main goal for this work group is to publish and maintain a continuous maintenance standard for Distributed Ledger Terminology (DLT) that defines platform-independent DLT based terms and definitions to enable common understanding and use in financial services. Given the current embryotic state of this technology, this terminology is expected to change over time and this work effort will keep the standard updated as the industry evolves.
X9A2 – Mobile Banking and Payments
The X9A2 work group develops standards that support mobile financial services. The X9.134 effort seeks to develop a domestic mobile financial services standard modeled after the ISO 12812: Core Banking – Mobile Financial Services standard and technical specifications published in 2017. X9.134 consists of five parts: (1) a general framework; (2) security requirements; (3) app lifecycle maintenance, including authentication; (4) payments between persons; and (5) payments to a retail business.
X9A11 – Electronic Benefits Transactions
The X9A11 work group develops standards around electronic benefits including Electronic Benefits Transactions (EBT), Supplemental Nutrition Assistance Program (SNAP), and Women Infant and Children program (WIC).
X9B Checks and Back-office Operations Subcommittee
The X9B Checks and Back-office Operations Subcommittee develops and supports standards that are focused on interoperability and reduction of dependency on manual and paper-based processing. Presently, the X9B Checks Back-office Operations 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.).
X9B1 – Organization of Standards Paper/Image Working Group
X9B1 updates the Technical Report 100 (TR 100) – Organization of Check and Image Standards – to recap the relationship among the check and technical reports. 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.
X9B2 – 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.
X9B6 – Check Image Related Standards
The X9B6 working group supports standards and guidelines for check image exchange, file formats, TIFF and substitute check creation. Some of the standards and technical reports that are managed by this group are X9.100-140, X9.100-181, X9.100-182, X9.100-187, X9.100-188, TR-40 and TR-47.
X9B7 – Quality MICR Printing & Evaluation
X9B7 revised and published Part 1 of X9.100-160, Magnetic Ink Printing (MICR) Part 1: Placement and Location in 2015. They also manage Part 2 of the standard, on EPC Field Use.
X9B9 – Check Image Test and Registry Process
The X9B9 workgroup 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.
X9B10 – Paper Specifications for MICR Documents
The X9B10 workgroup is revising ANSI 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.
X9B12 – Check Security
X9B12 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.
X9B17 – Interoperable Verification of Image Survivable Check Security Features
This workgroup is drafting eXtensible Markup Language (XML) data elements, structures, and schemes needed to facilitate the operation of a framework 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.
X9B18 – Automated Check Adjustments
X9B18 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. The 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.
X9B20 – (IBAN) International Bank Account Number
X9B20 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.
X9C1 – 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 of this group are actively involved both nationally and internationally on identity theft issues.
X9F1 – Cryptographic Tools
The Cryptographic Tools workgroup is responsible for drafting cryptographic algorithm standards under the X9F subcommittee. 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. Thes standards are based on 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 bankers.
X9F4 – Cybersecurity and Cryptographic Solutions
The X9F4 workgroup 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 X9F subcommittee 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. 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 TC68 Financial Services. Overall the X9F4 working group is drafting or initiating revisions to over a dozen standards.
X9F6 – 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.
ASC X9 TR 48-2018 Card-Not-Present (CNP) Fraud Mitigation in the United States
ANSI X9.124-2-2018 Financial Services – Symmetric Key Cryptography for the Financial Services Industry – Format
Preserving Encryption- Part 2: Key Stream with Counter Mode
ANSI X9.129-2017 (Version 01) Legal Order Exchange
ANSI X9.69-2017 Framework for Key Management Extensions