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X9: Accredited Standards Committee X9, Inc.

ASC X9, the Accredited Standards Committee X9, is a nonprofit organization that develops and publishes standards for the financial services industry. Headquartered in Annapolis, United States, ASC X9 standards define the workings of the financial industry in the United States. With approximately 130 member companies, including key industry leaders, and the global financial influence wielded by the United States, ASC X9 standards strongly affect financial systems throughout the world. ASC X9 also serves as the administrator for the U.S. TAGs (United States Technical Advisory Group) to ISO/TC 68 (International Organization for Standardization/Technical Committee) and to three of its subcommittees. Standards from X9 are available both individually, directly through the ANSI webstore, and as part of a Standards Subscription. If you or your organization are interested in easy, managed, online access to standards that can be shared, a Standards Subscription may be what you need - please contact us at: [email protected] or 1-212-642-4980 or Request Proposal Price.

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ASC X9 TR 31-2018

Interoperable Secure Key Exchange Key Block Specification.

TR 31 describes a method consistent with the requirements of ANS X9.24 Retail Financial Services Symmetric Key Management Part 1 for the secure exchange of keys and other sensitive data between two devices that share a symmetric key exchange key. This method may also be used for the storage of keys under asymmetric key. This document is not a security standard and is not intended to establish security requirements. It is intended instead to provide an interoperable method of implementing security requirements and policies.


ASC X9 TR 34-2019

Interoperable Method for Distribution of Symmetric Keys Using Asymmetric Techniques: Part 1 - Using Factoring-Based Public Key Cryptography Unilateral Key Transport - Includes Corrigendum

TR-34 describes a method consistent with the requirements of ANS X9.24 - 2 Retail Financial Services Symmetric Key Management - Part 2: Using Asymmetric Techniques for the Distribution of Symmetric Keys for the secure exchange of keys using asymmetric techniques between two devices that share asymmetric keys. This method is designed to operate within the existing capabilities of devices used in the retail financial services industry. Includes Corrigendum.


ASC X9 TR 54-2021

Blockchain Risk Assessment Framework

This technical report (TR) provides a framework for the performance of operational risk assessments on blockchain systems and applications within a distributed network. Operational risks include information technology (IT) and information security (IS) areas. IT includes interoperability, resiliency, accessibility, and software maintenance. IS includes data integrity, confidentiality, authentication, authorization, and accountability (logging capability). This report features some aspects of application risks including data accuracy, version control, backwards compatibility, and other usability functions.


ASC X9 TR 34-2012

Interoperable Method for Distribution of Symmetric Keys using Asymmetric Techniques: Part 1 – Using Factoring-Based Public Key Cryptography Unilateral Key Transport

TR-34 describes a method consistent with the requirements of ANS X9.24 - 2 Retail Financial Services Symmetric Key Management - Part 2: Using Asymmetric Techniques for the Distribution of Symmetric Keys for the secure exchange of keys using asymmetric techniques between two devices that share asymmetric keys. This method is designed to operate within the existing capabilities of devices used in the retail financial services industry


ASC X9 TR 48-2018

Card-Not-Present (CNP) Fraud Mitigation in the United States: Strategies for Preventing, Detecting, and Responding to a Growing Threat

TR-48 Card-Not-Present (CNP) Fraud Mitigation in the United States: Strategies for Preventing, Detecting, and Responding to a Growing Threat summarizes CNP fraud mitigation tools used in the U.S. It identifies the primary types of CNP fraud attack trends currently impacting the payments industry and outlines the types of CNP fraud mitigation tools and strategies employed by industry stakeholders such as merchants, merchant acquirers, issuers, processors, payment gateways, and payment card networks. The document also provides information and recommendations for industry stakeholders to evaluate their current strategies for mitigating CNP fraud and reducing overall fraud losses.


ASC X9 TR 52-2021

Unsigned Items Including Remotely Created Checks (RCC) - Design and Usage Guide

This report presents guidelines for the design and usage of Unsigned Items including Remotely Created Checks (RCC). RCC items are a subclass of Unsigned Items, they all share the same characteristic of not bearing the signature of the Payor (also known as the maker or drawer, and is the check writer). RCC items are not created by the Paying bank while Unsigned Items can be created by the Paying bank or its agent. Although Unsigned Items are legitimate payment instruments many of the Unsigned Items being cleared today do not follow any design or usage guidelines. These items cause manual exception processing to complete the clearing process. The intent of this technical report is to provide a single document to originators and processors of Unsigned Items to provide guidance


ANSI X9.24-1 / ANSI X9.24-2 / ASC X9 TR 31 - Symmetric Key Management and Security Package

ANSI X9.24-1 / ANSI X9.24-2 / ASC X9 TR 31 - Symmetric Key Management and Security Package

ANSI X9.24-1 / ANSI X9.24-2 / ASC X9 TR 31 - Symmetric Key Management and Security Package provides guidance on the management of symmetric keys using symmetric techniques as well as asymmetric techniques for the distribution of symmetric keys. It also establishes methods for the secure exchange of keys and sensitive data using symmetric key exchange key. ANSI X9.24-1 / ANSI X9.24-2 / ANSI X9 TR 31 - Symmetric Key Management and Security Package includes:
ANSI X9.24-1-2017
ANSI X9.24-1-2017 Corrigendum
ANSI X9.24-2-2021
ASC X9 TR 31-2018


ASC X9 TR 100-2019

Organization of Check-related Payments Standards Part 1: Organization of Standards Part 2: Definitions used in Standards

Part 1 of this technical report provides the numbering scheme for all standards associated with paper-based and image-based check payments that collectively will be referred to as check-related payments. The basic numbering scheme is divided into two sections; core standards and application standards. Core standards cover such items as paper requirements, MICR requirements, optical requirements, and image requirements. Application standards cover such items as check documents, deposit tickets, internal documents, image replacement documents, other documents, MICR, security, and electronic. Part 2 of this technical report lists the definitions of terms used within X9’s check-related payment standards. The structure covered in this technical report was developed to define and explain the requirements for automated handling of paper-based and image-based check payments. It also offers a repository of definitions used in these standards. This technical report is available in electronic form free of charge to aid the user in identifying the standards for purchase.


ANSI X9.129-2020/ASC X9 TR 51-2020

(Version 03) Legal Orders Exchange and Levies Companion Document - Uniform Adoption of X9.129 for Levies - Version 03

Includes both ANSI X9.129-2020 and ASC X9 TR 51-2020. ANSI X9.129-2020 - In today’s environment legal orders are generated in a large number of formats by a variety of different government agencies. These documents are then mailed to the bank for processing. When the bank receives the requests (mail, fax, spreadsheet) the process for fulfilling them is highly manual, which is time consuming and can be prone to errors, and there are limited areas where automation is applied. In most cases, the basic types of information, required for processing, are the same across the different request types. By creating a set of standards for electronic file formats for the different request types, benefits will be realized by both the requester and the receiver through automation of the process. ASC X9 TR 51-2020 -This document formalizes an industry standard for exchange of legal orders using the ANSI X9.129 standard format and a compilation of industry norms. This technical report is not intended to replace the ANSI X9.129 standard, but rather to clarify how financial institutions and agencies should use the standard to ensure all necessary and appropriate levies and asset based orders are exchanged between financial institutions and/or agencies.


ASC X9 TR 2-2019

Understanding, Designing, and Producing Checks

This report presents guidelines for the design and production of a check and describes the proper location of the data elements on the check, along with the rationale for those requirements. Certain elements of check design are specified in American National Standards Institute (ANSI) standards or are mandated by the Uniform Commercial Code (UCC) and the Federal Reserve Board’s Regulation CC. This report provides a summary of these requirements and other optional elements, with references, where appropriate, to standards and legal documents. Method of check production depends on a user’s specific needs, with benefits coming at the cost of added responsibility. The guidelines contained in this report are intended to promote greater uniformity in the design and production of checks, which will improve processing and handling throughout the check processing system.


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