《ANSI-X9.46-1997.pdf》由会员分享,可在线阅读,更多相关《ANSI-X9.46-1997.pdf(250页珍藏版)》请在三一文库上搜索。
1、Financial Services Technical Publication Developed By Accredited Standards Committee X9 - Financial Services AMERICAN NATIONAL STANDARD FOR FINANCIAL IMAGE INTERCHANGE: ARCHITECTURE, OVERVIEW, AND SYSTEM DESIGN SPECIFICATION Developed by Accredited Standards Committee X9 - Financial Services PUBLISH
2、ED BY AMERICAN BANKERS ASSOCIATION X9 - SECRETARIAT COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services X9.46-1997 American National Standard For Financial Image Interchang
3、e: Architecture, Overview, and System Design Specification Secretariat American Bankers Association Approved January 21,1997 American National Standards Institute, Inc. Abstract This standard defines an open electronic data interchange (edi) protocol for use by the financial industry in the exchange
4、 of imaged items and financial data across a heterogeneous computing environment. In accordance with the user requirements and system overview specified herein, and supplemental Technical Reference Guide, this standard specifies an architecture and system design for the end-to-end exchange of digiti
5、zed images of financial documents. The data structures, and data elements, are defined according to X12.5 and X12.6 Electronic Data Interchange principles, and syntax, for engaging in electronic financial commerce. This standard also supports the ability for users to request views of an imaged item
6、from cooperating financial institutions, as well as a means to acknowledge receipt of a Financial Image Interchange at the interchange, or component levels of the interchange. It also provides a means for digitally signing transaction sets, and their contents, as well as canceling outstanding query
7、requests and aspects of previously sent interchanges. COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services American National Standard Approval of an American National Standa
8、rd requires veriification 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 the ANSI Board of Standards Review, substantial agreement has been reached by directly and m
9、eteflally affected interests. Substantial agreement means much more thant a simple majority, but not necessarily unanimity. Consensus requires that all views and objections be considered, and that a concerted effort be made toward their resolution. The use of American National Standards is completel
10、y 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 conforming to the standards. The American National Standards Institute does not develop stand
11、ards and will in no circumstances give an interpretation of any American National Standard in the name of the American National Standards Institute. Requests for interpretations should be addressed to the secretariat or sponsor whose name appears on the title page of this standard. CAUTION NOTICE: T
12、his American National Standard may be revised or withdrawn at any time. The procedures of the American National Standards Institute require that action be taken periodically to reaff irm, revise, or withdraw this standard. Purchasers of American National Standards may receive current information on
13、all standards by calling or writing the American National Standards Institute. Published by American Bankers Association 1120 Connecticut Avenue, NW Washington, DC 20036 USA (800) 33-0626 or 1 (202) 663-5087 Fax l ( 2 0 2 ) 663-7543, E-mail custservO X9 Online httpJMww.x9.org Copyright 0 1996 by Ame
14、rican Bankers Association 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 o f the publisher. Printed in the United States o f America COPYRIGHT American National Standards Institute Licen
15、sed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services x9.46-1997 Table O f Contents Foreword 1. Scope and introduction 2. Normative references 3. Definitions, terms, and conventions 4 Summary of standard 5. Technical overview 6
16、 FI1 technical specification 6.1 Conventions, character sets, and data types 6.1.1 Interchange structure template 6.1 .1 .1 Values 6.1.2 Element table conventions 6.1.3 Character set 6.1.3.1 Basic character set 6.1.3.2. Extended character set 6.1.4 Data type representations 6.1.4.1 Date 6.1.4.2 Time
17、 6.1.4.3. String 6.1 -4.4 Numeric 6.1.4.5 Decimal Number 6.1.4.6 Binary 6.1.4.7 Identifier 6.1.5 Segments, elements, subelements, and delimiters 6.1.6 X9.46 delimiters 6.1.7 Intra-segment syntax 6.1.8 Bit organization for any pixel byte 6.2 FI1 structure and specification of data elements 6.2.1. Fun
18、ctional group overview 6.2.1.1. Financial data functional group 6.2.1.2. Item views functional group 6.2.1.3. Functional acknowledgment functional group 6.2.1.4. Application acknowledgment functional group 6.2.1 -5. Query requests functional group 6.2.2. Top level Fil structure 6.2.2.1 Interchange h
19、eader 6.2.2.2 Financial data functional group 6.2.2.3 Item views functional group 6.2.2.4 Functional acknowledgment functional group 6.2.2.5 Application acknowledgment functional group 6.2.2.6 Query requests functional group 6.2.2.7 Interchange trailer 6.2.3 X12 ISA header 6.2.3.1 Authorization 6.2.
20、3.2 Security 6.2.3.3 Sender 6.2.3.4 Receiver 6.2.3.5 Interchange date and time 6.2.3.6 Standard version viii 1 2 5 6 11 16 16 17 17 18 23 23 24 25 25 25 26 26 27 27 27 28 28 28 29 29 30 31 32 34 35 36 37 38 38 38 39 39 39 40 40 41 42 42 43 44 45 iii COPYRIGHT American National Standards Institute Li
21、censed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services X9.46-1997 6.2.3.7 Interchange control 6.2.3.8 Acknowledgment requested 6.2.3.9 Test indicator 6.2.3.1 O Subelement separator 6.2.4. X12 IEA trailer 6.2.4.1. Number of in
22、cluded functional groups 6.2.4.2. Interchange control 6.3 Common data structure 6.3.1. Common X12 structures 6.3.1.1. GS functional group header 6.3.1.2. Functional group trailer 6.3.1.3. Transaction set header 6.3.1.4. Transaction set trailer 6.3.1.5. Loop header 6.3.1.6. Loop trailer 6.3.1.7. Func
23、tional group security header 6.3.1.8. Functional group security trailer 6.3.1.9. Transaction set security header 6.3.1 .lo. Transaction set security trailer 6.3.1.1 1. Bin segment 6.3.1 .1 2. Functional acknowledgment functional group 6.3.1.1 3. Signature data types 6.3.2. General FI1 extensions 6.3
24、.2.1. TS length 6.3.2.2. Transaction set reference identifier 6.3.2.3. Type of transaction set data 6.3.2.4. Recipient acknowledgment request 6.3.2.5. Send acknowledgments to 6.3.2.6. Transaction set cross references 6.3.2.7. Type of financial data 6.3.2.8. Count of financial data items 6.3.2.9. Cou
25、nt of imaged items 6.3.2.1 O. Item group amount 6.3.2.1 1. Item group recipient identifier 6.3.2.1 2. Item subgroup count 6.4 Functional groups definitions 6.4.1 Financial data functional group 6.4.1.1 Financial data transaction set 6.4.1.2 Financial data segment 6.4.2. Item views functional group 6
26、.4.2.1. Item group transaction set 6.4.2.2. Item subgroup 6.4.2.3. Item subgroup information segment 6.4.2.4. Item data loop 6.4.2.5. Item information 6.4.2.6. User data 6.4.2.7. Item views structure 6.4.2.8. Item view data 6.4.3. Application acknowledgment functional group 6.4.3.1. Application ackn
27、owledgment transaction set 6.4.4. Query requests functional group 6.4.4.1. Query requests transaction set 6.4.4.2. Query request loop 6.4.4.3. Query request data segment 46 46 46 47 47 47 47 48 48 48 51 52 53 54 54 55 58 59 61 62 63 69 71 73 73 73 74 76 77 77 78 78 79 79 79 80 80 81 81 82 83 83 84 0
28、7 87 91 91 93 106 107 113 115 116 116 iv COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services X9.46-1997 7. Conformance requirements 7.1. General conformance matters 7.2. Pr
29、otocol conformance classes 7.3. Static and dynamic conformance requirements 7.3.1 Static requirements 7.3.2 Dynamic requirements Annexes A - FIIS X12 Interchange Structure B - Description of compression algorithms C - Banking practices agreement D - Financial image interchange protocol pro-formdConf
30、ormance Statement E - Financial image interchange environment F - System overview and model G -Interchange structure naming overview H - Cross referencing overview I - Diagrammatic representations of a FIIS interchange and delimiter usage J - Glossary of useful terms Index Tables 1 - Compression alg
31、orithms and parameter options 2 - Relationship between FI1 terms, figure 1, and figure 2 3 - Paper exchange and its FII-structure counter part 4 - SE: TS Element table conventions 5 - Special characters 6 - Other characters 7 - Other special characters 8 - National characters 9 - Separators and term
32、inator characters 1 O - Financial image interchange structure 11 - X12 ISA header element names 12 - X12 IEA trailer element names 13 - GS: Function header element names 14 - GE: Function trailer element names 15 - ST: Transaction set header element names 16 - SE: TS trailer element names 17 - LS: L
33、oop header element names 18 - LE: Loop trailer element names 19 - SIS: FG Security element names 20 - S1 E: FG security trailer element names 21 - S2S: TS security element names 22 - S2E: TS Security trailer element names 23 - Binary Segment element names 24 - FA: Functional ack functional group ele
34、ment names 25 - 997: Functional transaction set element names 26 - Transaction response loop element names 27 - Data segment response loop element names 1 36 1 37 137 137 138 138 140 163 165 177 1 97 203 206 209 21 2 21 7 228 8 12 13 18 24 24 25 25 28 38 41 47 48 51 52 53 54 54 55 59 60 62 62 63 64
35、64 65 V COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services X9.46-1997 28 - AK1: FG response header element names 29 - AK2: Transaction set response header element names 30
36、 - AK3: Data segment note element names 31 - AK4: Data element note element names 32 - AK5: Transaction set response trailer element names 33 - AK9: FG response trailer element names 34 - STS: Signature TS element names 35 - SIG: Signature data element names 36 - General FI1 extensions: element assi
37、gnment to transaction sets 37 - GDF: General FI1 extensions element names 38 - Financial data functional group structure element names 39 - Financial data transaction set element names 40 - Item views functional group element names 41 - Item group transaction set element names 42 - Item subgroup loo
38、p structure element names 43 - ISD: Item subgroup information element names 44 - Item data loop element names 45 - IIH: Item information element names 46 - Item views structure element names 47 - IVS: Item View Data segment element names 48 - Application acknowledgment functional group element names
39、 49 - Acknowledgment transaction set element names 50 - ADS: Application acknowledgment data segment element names 51 - Query requests FG element names 52 - Query request transaction set element names 53 - Query request loop element names 54 - QRD: Query request data segment element assignment 55 -
40、QRD: Query request data segment element names 56 - Conformance classes C1 - Business usage summary: BPA related conditions D1 - FI1 PICS pro-forma Figures 1 - An analogy of a person sending a letter to another person 2 - An abstract representation of the FI1 systems model 3 - Interchange data struct
41、ure 4 - Function of an ED1 Translator of the originating application 5 - Function of an ED1 Translator of the receiving application 6 - FI1 structure 7 - FI1 functional group structure 8 - Financial data functional group model 9 - Item views functional group model 1 O - Functional acknowledgment fun
42、ctional group model 1 1 - Application acknowledgment functional group model 12 - Query requests functional group model 13 - The Item Views structures model 14 - Illustration of the snippet concept 15 - Illustration of the clipping concept E-1 - FI1 modeling environment F.l - FII-translator originati
43、on services F.2 - FII-translator reception services 65 65 66 66 67 68 69 70 72 72 80 81 82 83 83 84 87 88 93 94 107 107 108 114 115 116 118 119 1 37 1 75 183 11 12 14 15 16 30 31 32 33 35 36 37 92 1 o1 103 197 203 204 vi COPYRIGHT American National Standards Institute Licensed by Information Handlin
44、g Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services X9.46-1997 F.3 - The financial image interchange system model G-1 - FIIS functional group naming G-2 - Multi-transmission FIIS transaction set naming and cross reference use H-1 - Cross reference vie
45、ws back to financial data transmission interchange H-2 - Cross reference views by user to view detail segments of interchange H-3 - Query request response containing cross references 1-1 - Interchange comprising a financial data functional group 1-2 - Interchange comprising an items functional group
46、 1-3 - Interchange comprising an application acknowledgment functional group 1-4 - Interchange comprising a query request functional group 204 207 of names 208 21 o 21 1 21 1 21 2 21 3 214 21 5 vii COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT Am
47、erican National Standards Institute Licensed by Information Handling Services X9.46-1997 Financial Image Interchange Protocol Standard Foreword At the end of World War II, it became evident that practices for check processing could not adequately accommodate the growing volume of financial transacti
48、ons in an expanding national economy. A method to reduce significantly the manual labor associated with the check-clearing system, that would at the same time increase the speed with which transaction could be settled, was required. Magnetic Ink Character Recognition (MICR) was the method selected t
49、o achieve these goals, and that technology, with refinements and improvements made during the intervening forty years, permitted the payment system to keep pace with the growth o f transaction activity which is now over one hundred times larger than it was at mid-century. As the end of the twentieth century approaches, we are faced with the challenge of improving the check processing and clearing process to achieve greater efficiency, to effectively manage costs, and to support new financial institution products and services. These demands exceed any foreseeable improvement in the pr
链接地址:https://www.31doc.com/p-3729377.html