BACPS-Revised Functional Specification1.3

FunctionalSpecification:
ActiveImageClearingandSettlementSystem[AICS]
(BangladeshAutomatedChequeProcessingSystem)

Rev1.3
PaymentSystemsDivision
DepartmentofCurrencyManagement
andPaymentSystems
BangladeshBank

14September2009
TABLEOFCONTENTS

0.0 DocumentApprovals .......................................................................................................... 5
0.1 ChangeControl .................................................................................................................... 5
0.2 ChangeHistory .................................................................................................................... 5
0.3 CommentsandRevisionRequests .................................................................................... 5
0.3.1 RevisionHistory........................................................................................................... 5
0.4 OtherRelatedDocumentation ........................................................................................... 9
0.4.1 RelatedDocumentCrossReference .......................................................................... 9
0.5 Terms,Abbreviations,andConventions .......................................................................... 9
0.6 Assumptions,Risks,andIssues ....................................................................................... 14
0.6.1 Assumptions ............................................................................................................... 14
0.6.2 Risks ............................................................................................................................. 14
0.6.3 Issues............................................................................................................................ 15
1. General ....................................................................................................................................... 16
1.1. Purpose .................................................................................................................................... 16
1.2. Introduction ............................................................................................................................ 16
2. TheGenericBACPSChequeEnvelopeFileFormat .......................................................... 17
2.1. General..................................................................................................................................... 17
2.2. BACPSChequeEnvelope ..................................................................................................... 17
2.2.1. General................................................................................................................................. 17
2.2.2. EnvelopeData..................................................................................................................... 18
2.2.3. DuplicateEnvelopes .......................................................................................................... 18
2.2.4. FuturedatedProcessing ................................................................................................... 18
2.2.5. GenericBACPSChequeEnvelopeStructure ................................................................. 18
2.2.6. GeneralValidation ............................................................................................................. 20
2.2.7. GenericRecordStructure .................................................................................................. 21
2.2.8. GenericDataTypes............................................................................................................ 21
2.2.9. GenericFieldTypes ........................................................................................................... 22
2.2.10. EnvelopeRecords............................................................................................................... 23
2.2.10.1. EnvelopeFileHeaderRecord(<FileHeaderFileHeader>MX9.3701)................... 23
2.2.10.2. EnvelopeFileControlRecord(<FileControl>MX9.3799) ................................... 28
2.2.11. CashLetterRecords ........................................................................................................... 30
2.2.11.1. CashLetterHeaderRecord(<CashLetterHeader>MX9.3710) ........................... 31
2.2.11.2. CashLetterControlRecord(<CashLetterControl>M90) ..................................... 34
2.2.12. BundleRecords<Bundle> ................................................................................................. 35
2.2.12.1. BundleControlRecord(<BundleControl>M70) ................................................... 38
2.2.13. ItemRecords<Item> .......................................................................................................... 40
2.2.13.1. ChequeDetailRecord(<CheckDetail>M25).......................................................... 40
2.2.13.2. ChequeDetailAddendumARecord(<AddendumA>C26) ............................... 47
2.2.13.3. ChequeDetailAddendumCRecord(<AddendumC>C28)................................ 51
2.2.13.4. ImageViewRecords<ImageView>............................................................................. 53
2.2.13.5. ImageViewDetailRecord(<ImageViewDetail>C50).......................................... 54
2
2.2.13.6. ImageViewDataRecord(<ImageViewData>C52) .............................................. 60
2.2.13.7. ImageViewAnalysisRecord(<ImageViewAnalysis>C54) ................................ 66
2.2.14. ReturnRecord(<ReturnRecord>M31)........................................................................ 75
2.2.14.1. ReturnAddendumARecord(<ReturnAddendumA>C32) ................................ 88
2.2.14.2. ReturnAddendumBRecord(<ReturnAddendumB>C33) ................................. 92
2.2.14.3. ReturnAddendumDRecord(<ReturnAddendumD>C35) ................................ 95
2.2.15. SampleOCEFile............................................................................................................... 100
2.3. BACPSImageFile ................................................................................................................ 103
2.3.1. OCEImageFile................................................................................................................. 103
2.3.2. ICEImageFile .................................................................................................................. 103
3. BACPSFunctionalOverview............................................................................................... 105
3.1. MajorFunctions.................................................................................................................... 105
3.1.1. General............................................................................................................................... 105
3.1.2. FTPInterface ..................................................................................................................... 106
3.2. ClearingandSettlement...................................................................................................... 106
3.2.1. Overview ........................................................................................................................... 106
3.2.2. BACPSClearing ............................................................................................................... 109
3.2.2.1. ImportingofOutwardChequeEnvelopes(OCEs) ................................................. 110
3.2.3. OutwardChequeEnvelopeValidation......................................................................... 111
3.2.3.1. OCE ................................................................................................................................ 111
3.2.3.2. GeneralValidation ....................................................................................................... 112
3.2.3.2.1. RecordspecificValidation.......................................................................................... 112
3.2.4. OCEProcessing ................................................................................................................ 112
3.2.4.1. ExclusionfromClearing.............................................................................................. 113
3.2.4.1.1. ChequeEnvelope ......................................................................................................... 113
3.2.4.1.2. CashLetter .................................................................................................................... 113
3.2.4.1.3. Bundle............................................................................................................................ 113
3.2.5. ItemDistribution.............................................................................................................. 113
3.2.5.1. GenerateInwardChequeEnvelopes(<ICE>) .......................................................... 114
3.2.6. ReportingandDataExtraction....................................................................................... 114
3.2.6.1. SettlementTableInterface........................................................................................... 114
3.2.7. BACPSReturns................................................................................................................. 114
3.2.7.1. ReturnChequeEnvelope(RCE)................................................................................. 115
3.2.7.2. ReturnAcknowledgement.......................................................................................... 116
3.2.8. InwardClearing ............................................................................................................... 116
3.2.8.1. InwardChequeEnvelope ........................................................................................... 116
3.2.8.2. InwardReturnChequeEnvelope .............................................................................. 116
4. EnvelopeAcknowledgement ............................................................................................... 116

4.1. XMLHeader ......................................................................................................................... 117
4.1.1. PositiveAcknowledgement............................................................................................ 117
4.1.2. NegativeAcknowledgement.......................................................................................... 118
4.1.2.1. RejectedinPart ............................................................................................................. 119
4.1.2.2. RejectedinPart ............................................................................................................. 120
5. OnUsArchiving .................................................................................................................... 123
3
5.1. ArchiveChequeEnvelope .................................................................................................. 123
5.2. ArchiveAcknowledgement................................................................................................ 123
6. Archive ..................................................................................................................................... 124

6.1. ArchiveStorageandRetrieval ........................................................................................... 124
6.2. Storage ................................................................................................................................... 125
6.3. Retrieval................................................................................................................................. 125
7. FileNaming ............................................................................................................................. 126
8. ReturnReasons ....................................................................................................................... 127
9. AcknowledgementItemStatusValues .............................................................................. 128
4
0.0 DocumentApprovals
ForandonBehalfof NameandPosition Date Signed

BangladeshBank RandyKahn
DevelopmentManager

DataEdge,Testonic, NigelCherry
Aperta ImplementationProjectManager

0.1 ChangeControl
After the specification has been approved between the parties, it will be placed under
changecontrol;anysubsequentchangeswillbesubjecttoformalchangecontrolprocedures.
The custodian of the document, after approval, for the duration of the project will be the
ImplementationProjectManager,whowillensurethatanyrequestedchangesareevaluated
usingagreedproceduresandwherechangesareapproved,thatthespecificationisupdated
accordingly.
0.2 ChangeHistory
DocumentTitle BACPSIPFunctionalSpecification
Author JimMurray,Aperta

ToBeApprovedBy RandyKahn NigelCherry
ImplementationProjectManager
DataEdge,Testonic,Aperta

Comments ThisistheBACPSAICSFunctionalSpecificationfortheBangladesh
BACHProject

FileName BACPSAICSFSD13.Docx

0.3 CommentsandRevisionRequests
AllcommentsandrevisionrequestsshouldbewrittenandaddressedtotheImplementation
ProjectManagerfortheBACHProject.
0.3.1 RevisionHistory
Rev Section Type Date Author Remarks

Details
5
Details
01 All New 20 Dec2008
th J.Murray InitialDraft
02 20thJan2009 J.Murray Changesresultingfrom
review.
0.5 Relocated Subsequentsectionsrenumbered.
General Modification Allsectionsrenumberedfrom0forconsistencyacross
FunctionalSpecifications.
General Modification Typographicandspellingcorrections
0.7 Insert ChequeEnvelope
0.7 Delete IrrelevanttermsforAICSdeleted.
0.8.2.2 Deleted ReturnReasonCodesprovided
0.8.3.2 Deleted UsabilityandImageQualitytestsincludedinPBM/
CHMSpecification
1.1 Clarification Reworded.ClarifiedthatBEFTNisinaseparate
documentandthatthisdocumentspecifiestheinterfaces
andapplicationprotocols.
1.2 Deleted Subsequentsectionsrenumbered.
1.2.1 Deleted Subsequentsectionsrenumbered.
2.1 Clarification Reworded.BEFTNreferencesremoved.
2.2 Clarification RewordedtoclarifyuseofEnvelopes.
3.1 Modified ReferencetobaseANSIStandard.
3.1 Clarification HighvalueClearingpossiblefutureoption
3.1 Clarification ExpressClearingpossiblefutureoption
3.2.1 Clarification ChequeEnvelope
3.2.3 Clarification UseofFileIDmodifierinduplicatechecking
UseofResendIndicatorinduplicatechecking
3.2.4 Insert Futuredatedprocessing
3.2.9.1 Clarification ClarificationofResendIndicatorusage.
3.2.9.1 Clarification ClarifieduseofFileIDModifier
3.2.10.1 Clarification UseofResendIndicator
3.2.11.1 Deleted CashLetterTypeIndicator
DestinationRoutingNumber
OriginRoutingNumber
DuplicatesofFileHeaderrecordfields.
3.2.11.1 Clarification CashLetterRecordTypeIndicator
3.2.11.1 Clarification CashLetterDocumentationTypeIndicator
3.2.13 Clarification ReturnAcceptanceIndicator
3.2.13 Clarification PresentingBankIndicatormodifiedforbureau
3.2.13.1 Changed DepositAccountNumberatPresentingBank
Madeoptional.BangladeshBankdecidedshouldnotbe
required.
3.2.13.4 Modified Rewordedforclarification.
3.2.14.4 Deleted
3.2.14.5 Deleted
6
Details
3.2.14.6 Deleted
4.2.5.1 Modified Changedtoallowresend.
4.2.7.1 Modified ReconciliationReferencesizeincreasedto22.
6.1 Deleted Duplicateuseoffield9Ddeleted.Wordingclarified.
7 Deleted FTPdetailsareinternaltoBACPScomponents.
SubsequentSectionsRenumbered.
8 Inserted ReturnReasonsprovidedbyBangladeshBank.
General Clarification RecordTypeshowntobeforreferenceonlyineach
Enveloperecord.
03 General 31stJan2009 J.Murray Changesresultingfrom
review.
0.8.3.1 Deleted
2.2 Reformatted AllRecordtypeshavehadtheirelementnames
reformattedtobeXMLcompliantandbeenenclosedin
chevronbrackets<>.
11 30thJune2009 J.Murray Changesresultingfrom
feedbackandreview
General Modified Useofthewordcollectionreplacedbycashletterfor
consistencywithestablishedusageofX9.37.
General Modified XMLkeywordsmodifiedtobemorespecificandless
opentomisinterpretationandmisunderstanding.
General Modified Thespecificationhasbeenrewordedtocaterforthe
splittingofimagerelatedinformationfromtheXML
baseddata.
2.2.5 Modified ClarifiesthesplittingofimagesfromtheXMLdata.
2.2.7 Deleted PartialsentencestartingEveryrecord....
2.2.10 Clarification XMLnamesmademoreprecisetominimiseconfusion
andambiguity.
4 Added SimplificationofAcknowledgementFilelayoutforease
ofviewingwithstandardXMLviewers.
8 Modified ReturnReasonsmadeconsistentwithClearinghouse
Rules.
12 29thJuly2009 J.Murray Changesresultingfrom
feedbackandreviewand
changerequestfor
removalofCarrier
Envelopes
2.1 Deleted Lastsentence:
Initially,only......
2.2.10.1 Clarified TomakeclearthatitistheBACPSsystematthe
Field9A clearinghousethatallocatesthesevalues.
&9B
7
Details
2.2.10.1 Modified BACPSClearinghousechangedtoBACH.
Field4
2.2.13 Inserted 15<RepresentmentIndicator>
Subsequentelementsrenumbered.
ChangeRequest
StopuseofCarrierEnvelopesforrepresenteditems
8 Inserted ReturnReason26
ChangeRequest
StopuseofCarrierEnvelopesforrepresenteditems
13 1stSeptember J.Murray Changesresultingfrom
2009 feedbackandreviewand
changerequestfor
removalHighvalue
processing
General Modified MissingXMLelementnamesincludedandmademore
precise.
General Modified Typographicandeditorialerrorscorrected.
General Modified ReplacedreferencestobaseX9.37recordtypeswith
specificelementnamestoavoidconfusion.
2.2.5 Deleted Referencetooptionalimageswithreturnitems.
2.2.6 Reworded ClarifiedthatEncryption,digitalsigning,andimage
qualityvalidationisdonebythePBMbutthatthe
responsibilityforimagequalityremainswiththe
collectingbank.
2.2.10.1 Modified Rewordedtoreflectrevisedhighvalueprocessing.
2.2.10.1 Modified Rewordedtoreflectchangetopermitted
FileCreationDatefrom3daywindowtozerodays
window.
General Modified Alldatefieldsmade8digit:YYYYMMDD
General Modified MaximumUserFieldsizestandardisedat10bytes.Useto
beconfirmedbyBangladeshBank.
2.2.13.1 Deleted <BOFDIndicator>UUndetermined
Added <BOFDIndicator>SSubmember
Deleted <CorrectionIndicator>5Unresolved
3.1.1 Reworded Changedtoeliminateautomatichighvalueprocessing
3.2.5.1.1 Deleted Changedtoeliminateautomatichighvalueprocessing
3.2.6.1 Reworded Clarifiedandsimplifieduse;addedexample.

8
0.4 OtherRelatedDocumentation
0.4.1 RelatedDocumentCrossReference
Reference DocumentTitle Version

1 BusinessRequirements V1.1
Oct9,2008
2 BangladeshAutomatedChequeProcessingSystem(BACPS) V1.2
OperatingDirective
3 BACPSRules V11.2
17May,2008
4 ParticipantBankModuleFunctionalSpecification V0.2
5 BangladeshAutomatedCheckProcessingSystem(BACPS) DraftSep08
OperatingRules
6 DSTUX9.372003 2003
0.5 Terms,Abbreviations,andConventions
Term Meaning
0b Introducesabinaryvalue;forexample0b01000001,whichcan
representthehexadecimalvalue0x41,theASCIIcharacterA,orthe
decimalnumber65
0x Introducesahexadecimalvalue;forexample0x41,whichcan
representtheASCIIcharacterA,orthedecimalnumber65
ACE ArchiveChequeEnvelopeusedforarchivalofonusitemsby
memberbanks
Acknowledgement TheEnvelopetypeissuedbyBACPStothepresentingbank
Envelope acknowledgingreceiptofanEnvelopeanditsprocessingstatus.
AE AcknowledgementEnvelope
AIA ActiveimageArchive.Thisisthelongtermstorageandretrieval
componentoftheAICSsystem.
AICS TheActiveImageClearingSystemapplicationusedasthecore
clearingapplicationforBACPS.
AIDPS ActiveImageDocumentProcessingSystem
AlphaFillCharacter ThealphafillcharacterisBlank.
Nonnumericfieldswithunusedbyteshavethosebytesfilledwiththe
AlphaFillCharacter.
BACH BangladeshAutomatedClearinghouse
BACPS BangladeshAutomatedChequeProcessingSystem
Batch Agroupingofpaymentinstrumentsthatarecollectedtogetherfor
convenienceinasingleunitforprocessingandreconciliation.
BEFTN BangladeshElectronicFundsTransferNetwork
9
Term Meaning
BigEndian Theadjectivesbigendianandlittleendianrefertowhichbytesare
mostsignificantinmultibytedatatypesanddescribetheorderin
whichasequenceofbytesisstoredinacomputersmemory.
Inabigendiansystem,themostsignificantvalueinthesequenceis
storedattheloweststorageaddress(i.e.,first).Inalittleendian
system,theleastsignificantvalueinthesequenceisstoredfirst.For
example,considerthenumber1025(2tothetenthpowerplusone)
storedina4byteinteger:
00000000000000000000010000000001
Address BigEndian LittleEndian
representationof representationof
1025 1025
00 00000000 00000001
01 00000000 00000100
02 00000100 00000000
03 00000001 00000000
Bundle Abundleistheoutputgroupingofitems.Abundletakesthe
propertiesofthedistributiontowhichitbelongstheendpoint,
whetheralistingisrequired,maximumnumberofitemsallowedin
thebundle,andsoon.
Bundlelist Aprintedreportcontainingadetailedlistofchequestobeshippedto
aninstitutionaftertheoutwardclearingprocesshasbeencompleted.
Byte Asequenceof8bits(enoughtorepresentonecharacterofASCII
data).
Abytemayrangeinvaluefrom0b00000000to0b11111111.
CantRead AnyMICRcharacterthattheautomaticreaderofthedocument
processorcannotcorrectlyidentify.Anasterisk(*)issubstitutedfor
thesecharactersforeaseofidentificationduringcorrection.
Captured Usedinconjunctionwithafieldnametoindicatetheassociated
informationreadfromthecodelinebythedocumenttransportreader.
Forexample,capturedamountistheamountasreadfromthecode
line.Capturedfieldsmayhavetheirvaluesmodifiedbycorrectionor
balancingoperators,particularlyduringbalancingoperations.All
suchoperationsarefullyaudited.
CarrierEnvelope ThisisanindustrystandarddocumentholderonwhichanE13Bcode
linecanbeencoded.Whenadocumentisdamagedandcannotbe
processednormallyonatransport,itcanbeinsertedintoacarrier
Envelope.
Inanimagebasedsystem,itisusualforcarrierEnvelopestobe
transparentsothatwhenfrontimagesarecaptured,theoriginal
documentscanbeseen.
Frequently,twocoloursofcarrierEnvelopesareused,onecolourasa
standardcarrierfordamageddocumentsandtheotherforunpaidsor
returnitems.
10
Term Meaning
Category EachinstrumentprocessedbytheBACPSsystemisassignedaspecific
categorybasedonthedetailedvalidationitundergoes.Thecategory
ofanitemdetermineshowitisprocessed.
CBS CoreBankingSystem.
CCITT ConsultativeCommitteeforInternationalTelegraphyand
Telecommunications.
CCITTisthestandardsbodyresponsibleforestablishingthemost
commonlyusedrepresentationofimageinformation.(Toreduce
storagerequirementsincomputersystems,imagesareheldina
standardcompressedform).
CE ChequeEnvelope
Cheque Achequeisadebitorpaymentinstrument.Itcoverspersonal
cheques,commercialscheques,moneyorders,demanddrafts,and
otherpaymentinstruments.
ChequeEnvelope AchequeEnvelopeisanelectronicfilethatcontainsdatarelatedto
paymentinstruments.ForwardChequeEnvelopesalsocontainimage
informationfortheforwardpaymentinstruments.
ReturnEnvelopesonlycontainnonimageitemdata.
Chequesonly Achequesonlyworksourceismadeupoftransactionsthatcomprise
asinglechequeandnoaccompanyingphysicalcredit(deposit
voucher)
Clearing Interbankclearingforumwheretheimagesanddataforitemsdrawn
onpayingbanksareexchangedonbehalfofthecollectingbanks.The
collectingbanksreceivecreditforthevalueofthechequesconcerned.
ItemsreturnedasUnpaidarealsoexchangedatClearing.
Codeline Alineofcharactersatapredefinedlocationonaninstrument,
encodedwithopticalormagneticinkthatcanbesensedandread
electronicallyonadocumenttransport.Thecodelinecharactersare
generallygroupedintospecificfieldsofinformationinaccordance
withlocalcodelinestandards.
Collectingbank Thebankatwhichanitemisdepositedandwhichisgenerally
responsibleforgivingvaluetothecustomerconcerned,providedthe
itemconcernedisnotreturnedasunpaidfromthebankonwhichit
drawn.
CR SeeCantRead
CRLF CarriageReturnLineFeedcombination
CSV CommaSeparatedValuesfileformat.
TheCSVfileformatsavesthetextandvaluesastheyareusedinthe
application.ThedataelementsofeachrecordintheCSVfileareASCII
textseparatedbycommas,andeachrecordofdataendsinacarriage
return/linefeedcombination,<CR><LF>.
DataJustification Thealignmentofdatainafieldwithreferencetothefieldsrightmost
orleftmostcharacterposition.
11
Term Meaning
DIN ADINisaninternalDocumentIdentificationNumberusedto
identifyanitem.ItisAsequencenumberthatgenerallyformspartof
theendorsementprintedoneachinstrumentbytheitemprocessing
system.TheDINcanbeusedtotraceandretrievetheitem.ADINis
uniquewithinabusinessday.
dph Documentsperhour
dpi Dotsperinch
dpm Documentsperminute
E13B Acharactersetwhichcanbereadbymagneticinkcharacter
recognition(MICR)systems.Thecharactersetincludesnumerals0
through9andspecialsymbols.Thecharactersetaswellastheshape,
dimensions,andtolerancesforprintedMICRE13Bcharactersand
specificationsregardingprintqualityarecontainedinAmerican
NationalStandardsInstitute(ANSI)X9.27.
ECH ElectronicClearinghouse
Endpoint Alogicalgroupingthatrepresentsthedestinationtowhichanitemis
tobedelivered.Thedestinationistypicallythefinancialinstitution
thatistheissuingbankfortheitem.
Extraction Aprocessthatselectsspecifiedelementsfromthecaptureddatabase
ofdocumentdatatouseasinputdatatoanotherprocess;forexample,
toselectandextractinformationfortransmissiontotheBACH
AccountingSystem,CBS.
FillData Thesearethecharactersusedtofillunusedbytesinafield.
fph Fieldsperhour
ICE InwardChequeEnvelopeusedforinwardforwardbundles
Inwardclearing InwardClearing
Theprocessbywhichonusitemshavetheirinformationvalidated
and,asnecessary,postedtotheinhouseaccountingsystem.
IRCE InwardReturnChequeEnvelopeusedforinwardreturnbundles
Leftjustified Afieldisleftjustifiedwhentheleftmostbyteofthedataitcontainsis
alignedontheleftmostbyteofthefield.
LittleEndian SeeBigEndian
Multiples AMultiplestransactionisaninputgroupingconsistingofonecredit
item(depositvoucher)andoneormoreaccompanyingchequesthat
reconcile.
NumericFill ThenumericfillcharacterisZero.
Character Numericfieldswithunusedbyteshavethosebytesfilledwiththe
NumericFillCharacter.
OCE OutwardChequeEnvelopeusedforoutwardforwardbundles
Offusitem Seeoutwarditem.
OnLineEnquiry OnlineEnquiryisanapplicationthatallowstheoperatortoview
detailsofitemsprocessedonalimitednumberofbusinessdatesnot
yetdeletedfromthesystem.
OnUsItems Debititemsthataredrawnonthegivenbanksownaccounts.
Outclearing OutwardClearing
12
Term Meaning
Outwardclearing ThedeposittransactionsreceivedfromBangladeshBankcustomers
areprocessedthroughOutwardclearing,aprocessthatcapturesthe
associatedpaymentdatafromthedocumentsandtransfersittothe
hostaccountingsystem(CoreBankingSystem).
TheOutwardclearingprocesssortsandbundlestransititemsthat
havetobepaidbyanotherbankintoOutwardChequeEnvelopesfor
transfertothecentralBACPSclearingsystemviathePBM.OnUs
itemsarealsogenerallybundledforsubsequenttechnicaland
signaturevalidationpriortopostingtotheCBS.
OutwardItem Thistermindicatesanitemdrawnonanotherbank.Processed
throughoutwardclearing,theseitemsaresenttoInterbankClearing
forinterchange.
ParticipantBank Asuiteofcomponentsinstalledatparticipantbanksthatprovidesfor
Module thedeliveryofoutwardchequeEnvelopestotheBACPSandthe
receiptofinwardchequeEnvelopesfromtheBACPS.
ThePBMalsoprovidesforadhocenquiriestobeissuedbythe
participantandthepresentationoftheassociatedresponses.
Payee Chequesaremadepayabletopayees.
Payer Payerspaychequestopayees.
Payingbank Thebankatwhichtheaccountforanitemisheldandthatis
responsibleforwithdrawingfundsfromtheaccountinaccordance
withthedrawersinstructionsandforpayingthesetothecollecting
bank.(Sometimesalsoreferredtoasdraweebank).
PBM SeeParticipantBankModule
PresentingBank Abankthatpresentsbatchesofitemstoanotherbankatclearing.For
itemsbeingclearednormally,thepresentingbankmayalsobe
referredtoasthecollectingbank.
RCE ReturnChequeEnvelopeusedforoutwardreturnbundles
Rightjustified Afieldisrightjustifiedwhentherightmostbyteofthedataitcontains
isalignedontherightmostbyteofthefield.
tbc Tobeconfirmed
tbd Tobedefined.
TheRules TheElectronicClearinghouseRules
Transaction Agroupingofoneormorecredititemswithoneormoredebititems
whosepurposeistotransfermoneyfromonesetofaccountsto
another.Typically,inatransactionthesumofthecreditdocumentsis
equaltothesumofthedebitdocuments.
Transititem Anitemdrawnagainstaninstitutionotherthantheoneatwhicha
customerdepositeditandtowhichithastobetransferredthrough
theinterbankclearingsystemforpayment.
13
Term Meaning
UnknownItem Anitemistermedunknownifinsufficientdatahasbeencapturedor
enteredtodeterminewhatkindofitemitis.Unknownitemsmustbe
correctedforatransactiontobalance.Anexampleofanunknown
itemiswhenachequeisprocessedupsidedownsothatthereisno
recognizabledatathatcanbeautomaticallytakenfromtheitems
MICRline.
Unpaids Cheques,drawnagainstanaccount,thatarenottobepaidfor
technicalorforfinancialreasons.Usually,unpaidshavetobe
returnedtothedepositor.
VerticalReference Therighthandverticaledgeofthedocument,whenviewedfromthe
Edge frontwiththecorrectorientation.
Waterfall Whendocumentsarebeingputintoapocket,andthepocketbecomes
full,thesystemautomaticallyredirectstheremainingdocumentsto
thenextavailablephysicalpocketforthatdistributionofdocuments.
WorkSource Aworksourceisagroupingofbatchschemesusuallyassociatedwith
aparticulartypeofprocessing,forexampleprocessingforaspecific
bank.
XML ExtensibleMarkupLanguage
XMLschema XMLSchemasexpresssharedvocabulariesandallowmachinesto
carryoutrulesmadebypeople.Theyprovideameansfordefining
thestructure,content,andsemanticsofXMLdocuments.
Zero 0.TheASCIIrepresentationofthenumberzero(0).
0.6 Assumptions,Risks,andIssues
Outstandingissues,risks,orproblemswillberecordedintheIssuesRegisteradministered
andmaintainedbytheDevelopmentProjectManager.
0.6.1 Assumptions
0.6.1.1 SingleCurrencyProcessing
Processingisonlyrequiredforitemsinlocalcurrency,BangladeshTakaandPoisha.
0.6.2 Risks
0.6.2.1 CoreBankingSystem
TheselectedCoreBankingSystemmayaffecttheanticipatedinterfacesspecifiedin
thisdocumentorplaceadditionalrequirementsontheproposedsolution.

Initially the BACPSIP system will provide both printed reports, to allow manual
update of ledger systems, and an extract to a WindowsCSVformat file that will
containtheinformationtypicallyrequiredforaccountposting.
14
0.6.3 Issues
Nonecurrentlyidentified.
15
1. General
1.1. Purpose
This document is the functional specification for the new, imagebased BACPS
interbank clearing system. It describes the application protocol and interfaces
between the central BACPS clearing and settlement system and the processing
systemsattheparticipantbanks.
ThisdocumentdefinesthefunctionalityofActiveimageClearingSystem(AICS)and
ActiveimageArchive(AIA)ascustomisedtointerfacewiththeoutwardandinward
clearingsolutionsoftheparticipantbanks.
AsimilardocumentwillbeprovidedfortheelectronicBEFTNpaymentsystemtobe
introducedbyBangladeshBank.
1.2. Introduction
The main processes provided for BACPS are for Normal Clearing, Highvalue
clearing,andExpressClearing,longtermstorageintheBACPSCentralArchive,and
the subsequent retrieval of stored item information and images from the Central
Archive.TheActiveImageClearingSystem(AICS)andActiveImageArchive(AIA)
areparameterisedtoprovidefortheprocessingofeachtypeofworkinaccordance
withtherequirementsoftheBACH.
BACPS Processing of financial instruments at the BACH is based on the member

banksusingimageenabledtechnologytocapturethedataandassociatedimagesof
items processed during the outward clearing process. These items are consolidated
and presented to the BACPS encapsulated in Cheque Envelopes(CEs) and, where
specified, associated image files: for outward clearing, these are Outward Cheque
Envelopes(OCEs) or for outward return clearing, these are Return Cheque
Envelopes(RCEs). Similarly, for inward clearing, Inward Cheque Envelopes(ICEs)
andforinwardreturnsInwardReturnChequeEnvelopes(IRCEs)aredeliveredfrom
theclearinghousetothereceivingbankforinwardprocessing.
This document will describe the functionality and processing of the BACH as two
discrete components: BACPS; and, Active Image Archive, which will be described
withrespecttothelongtermstorageandretrievalofpaymentinformationandany
associatedimages.
16
2. TheGenericBACPSChequeEnvelopeFileFormat
2.1. General
The Generic BACPS Cheque Envelope(CE) is, in accordance with the requirements
of BACH, derived from the ANSI DSTU X9.372003 and adapted for use in
Bangladesh.Itisthefileusedtointerchangeinformationbetweenthememberbanks
andtheBACPSviathePBM.
The GenericCE specifies all possible record types that may be used in taskspecific
CEsusedbythememberbanksortheBACPSforparticularprocessingpurposes;for
example,outwardclearing.Asoutlinedearlier,therearethreemainprocesses:
NormalClearing.
OutwardClearing:usesOutwardCEs(OCE)andReturnCEs(RCE).
InwardClearing:usesInwardCEs(ICE)andInwardReturnCEs(IRCE)
HighValueClearing.
HighvalueClearing:usesOutwardCEs(OCE)andReturnCEs(RCE).
InwardClearing:usesInwardCEs(ICE)andInwardReturnCEs(IRCE)
Highvalueclearingisdoneusingitsownclearingcycle,whichisdistinctfrom
thenormalclearingcycle.
ExpressClearing.(Possiblefutureoption)
FunctionallyequivalenttoNormalClearing,thoughtheExpressClearingcycleis
muchshorterintime.
ExpressClearingusesthesameCEstructuresasthoseidentifiedforNormal
Clearing,above.
Normal Clearing, Highvalue clearing, and Express Clearing are functionally

equivalent processes, the main difference between them being the time available
duringeachtocompletethetasksandinthedegreeofacknowledgmentforeach.
2.2. BACPSChequeEnvelope
2.2.1. General
A Cheque Envelope is an electronic file that complies with the specification

contained in this document [2.2]. The Generic CE comprises a number of record
types required to support the different processes of the member banks and the
BACPS. In the following overview of record types used in CEs, the record name is
followed by an indication of its use and its record type in parentheses. The usage
indicator is either M for Mandatory, C for conditional, or O for Optional. The
record type field is included for reference and documentation purposes only and
indicatesthebaserecordtypeintheX9.37Standard[6].
17
2.2.2. EnvelopeData
The following summarises the general specifications and restrictions relating to the
image files referenced from a Cheque Envelope, as stated in the PBMFunctional
Specification[4]:
Component Format
ImageFormat TIFF6
ImageCompression CCITTG4
TIFFTAGByteOrder LittleEndian(Intel)only
VariableRecordLength BigEndian(Motorola)only
Indicator
CharacterCode 8bitASCIIunlessotherwisestated,forexample:
binary;hexadecimal.
ViewDescriptor Fullview
2.2.3. DuplicateEnvelopes
AnyduplicateChequeEnvelopethatisdetectedisrejectedinitsentirety.ACheque
EnvelopeisconsideredaduplicateifthecontentofthefollowingFileHeaderfields
matchapreviouslyprocessedCEthatdoesnothaveitsresendindicatorsettoY:
DestinationRoutingNumber
OriginRoutingNumber
FileCreationDate
FileCreationTime
FileIDModifier
2.2.4. FuturedatedProcessing
AnyChequeEnvelopethatisdatedinthefuturebutiswithintheacceptablewindow
forfuturedatedEnvelopes(aconfigurablewindow,typicallysetto3daysorless),
willbeprocessedforthecurrentbusinessdateandclearingsession.
AnyEnvelopethatisdatedoutsideoftheacceptablewindowisrejectedinits
entirety.
ThisfacilitywillnotbeusedinitiallyandthewindowwillbesetbyBACHtozero
days.
2.2.5. GenericBACPSChequeEnvelopeStructure
AllCEsareboundedbyEnvelopeRecordsForinformation,thefollowinglistof
recordtypes,asusedintheX9.37standard,areincludedforreference.Thecharacter
includedwiththerecordtypeindicatestherequirementfortherecord:
MMandatory;OOptional;CConditional.
EnvelopeHeader(M01)
CashLetter
18
EnvelopeControl(M99)
TheCashLettercomprisesthebundlesbeingsentintheCE.
CashLetterHeader(M10)
Bundle(ForwardorReturn)
CashLetterControl(M90)
ABundlehasthefollowingrecordstructure:
BundleHeader(M20)
ForaForwardBundle:
ForwardItems(zeroormore;however,recommendedbyBACHtobeno
morethan1000).
ThereshallonlybeForwardItemsinaForwardBundle
OR
ForaReturnBundle:
ReturnItems(oneormore).ReturnBundlesarelikelytohavefewitems;
however,asrecommendedbyBACHforforwardbundlesareturnbundle
shallhavenomorethan1000items).
ThereshallonlybeReturnItemsinaReturnBundle
BundleControl(M70)
TheirdetailrecordsdescribeindividualForwardItemsasfollows:
ForwardChequeDetailRecord(M25)(Forwardbundlesmustnothaveany
returncheques)

o ChequeDetailAddendumA(ONEandONLYONEC26)
o ChequeDetailAddendumC(ONEandONLYONEC28)
o ImageView
ImageViewDetail(C50)
ImageViewData(C52)
ImageViewAnalysis(C54)

ReturnRecord(M31)(Returnbundlesmustnothaveanyforwardcheques)

o ReturnDetailAddendumA(ONEandONLYONEC32)
o ReturnDetailAddendumB(ONEandONLYONEC33)
o ReturnDetailAddendumD(ONEandONLYONEC35)
TheChequeEnvelopescurrentlyidentifiedareasfollows:
OutwardChequeEnvelope(OCE)andassociatedimagefile
OutwardReturnChequeEnvelope(ORE)
InwardChequeEnvelope(ICE)andassociatedimagefile
InwardReturnChequeEnvelope(IRE)
ArchiveChequeEnvelope(ACE)andassociatedimagefile
19
A Cheque Envelope shall contain one or more Cash Letters. Forward and Return
Cash Letters shall not be mixed in the same CE. Cash Letters may contain one or
moreBundles.ForwardandreturnbundlesshallnotbemixedwithinthesameCE.
2.2.6. GeneralValidation
ChequeEnvelopeswillhavetheirstructureandcontentvalidatedinaccordancewith
the Clearinghouse Rules. This document outlines the anticipated rules; these
anticipatedrulesmaybesubjecttochange,underChangeControl,onpublicationof
thedefinitiveClearinghouseRules.
Ingeneral,thefollowingvalidationisdone:
Recordsorfieldsspecifiedasmandatorymustbepresentandcontainvalid
information.
Recordsandfieldsspecifiedasconditional,ifpresent,mustcontainvalid
information.Ifconditionalfieldsarenotpresentinarecord,theyshallcontain
defaultdata,spaces.
FieldsorrecordsspecifiedasbeingfortheUserpassthroughthePBMand
BACPSwithoutvalidation.
StructuralorcontrolrecordlevelexceptionswillcausetheCEtoberejectedinits
entiretyandexcludedfromclearingandsettlement.
Itemlevelexceptionswillresultinrejectionoftheitem.
BundleControltotalsmustreconcilewiththecalculatedtotalsforthebundle.
CashLetterControlTotalsmustreconcilewiththecalculatedtotalsforthe
bundlesitencapsulates.IfoneormorebundlesinaCashLetterdonotbalance,
bydefinitiontheCashLetteritselfdoesnotbalance.
TheCashLettercontroltotalsmustreconcilewiththeEnvelopeControlTotals.If
aCashLetterinanEnvelopedoesnotbalance,bydefinitiontheEnvelopeitself
doesnotbalance.
AnyEnvelopethatdoesnotbalanceagainstitscontroltotalsisrejectedinits
entiretyandisexcludedfromclearingandsettlement.
ImagecontentandqualityistheresponsibilityofthePresentingandIssuing
Banks.However,ImageQuality,encryption,digitalsigningandsignature
validationisdonebythePBM.Anyitemsfailingthisvalidationwillbetreatedas
exceptions.
AnyfuturedatedEnvelope,whosedateisoutsidetheacceptable,specified
window,isrejectedinitsentiretyandisexcludedfromclearingandsettlement.
AnExceptionThresholdwillbespecifiedintheClearinghouseRulesforthe
numberofitemlevelerrors,abovewhichtheEnvelopeisrejectedinitsentirety
andisexcludedfromclearingandsettlement.
Itemlevelvalidationisspecifiedinthefollowingsectionsthatdescriberecord
contents.
Anyunrecognisedrecordtypethatisencounteredwillcauseallprocessingofthe
EnvelopetobeterminatedandtheEnvelopetoberejectedinitsentirety.
AcknowledgementEnvelopeswillbecreatedbythePBMortheBACPS
indicatingiftheEnvelopehasbeenacceptedornot,orifanyitemsareexceptions
andthereasonswhy.
20
2.2.7. GenericRecordStructure
TheBACPSChequeEnvelopeisspecifiedasanXMLinterfacelaterinthisdocument.
Onfinalagreementoftheinterfaceanditsdetailedcontents,thisXMLinterfacewill
be published as an XML schema that can be used to validate BACPS interface files
usingthirdpartyvalidationtools.
2.2.8. GenericDataTypes
ThereisarangeofdatatypesthatcanoccurinaCErecord,which,unlessotherwise
statedarespecifiedtobeASCIIcharacters;theseareasfollows:
Type Description ValuesandMeaning
A Alphabetic AZ;az
Upperandlowercasecharactersarenot
distinguishedbetween:
forexampleAbcDeisprocessedidenticallyto
aBCde.
Blank.
AN Alphanumeric CompriseanyofthecharactersspecifiedastypeAor
TypeN.
ANS Alphanumeric/ AnyofthecharactersspecifiedastypeANorTypeS.
Special
Asterisk * Theasteriskcharacter,ASCII0x2A,isusedto
representthepresenceofanMICRcharacterthat
couldnotbecorrectlyinterpretedbytheprocessing
systemcapturingtheinformation.
Theasteriskisalsousedtorepresentquestionable
data.
B Blank RepresentedasASCII0x20.
Bi Binary Binarydatatypescompriseoneormorebytesthat
mayrangeinvaluefrom0b000000000b11111111.
Dash UsedtorepresenttheMICRdashsymbolwhen
required
Forward / UsedtorepresenttheMICRonussymbolwhen
Slash required
MICR MICRcharacter AMICRcharactermaybeTypeN,Asterisk,Dash,or
ForwardSlash.
N Numeric Thenumericcharacters09.
NB Numeric/Blank AnyofthecharactersspecifiedastypeNorTypeB.
NBSM Numeric/ AnyofthecharactersspecifiedasTypeN,B,or
Blank/Special Asterisk.
MICR
NBSMOS NBSMOnus AnyofthecharactersspecifiedastypeN,typeB,
typeAsterisk,typeDash,orTypeForwardSlash.
NS Numeric/ AnyofthecharactersspecifiedastypeNorTypeS.
Special
21
Type Description ValuesandMeaning
S Special SpecialcharactersaretheprintableASCIIcharacters
withavaluegreaterthan0x1F,excludingdatatypes
A,N,andB.
2.2.9. GenericFieldTypes
Type Description DataFillandJustification

A Alphabetic Alphafillcharacter.Leftjustified.
N Numeric Numericfillcharacter.Rightjustified.
AN Alphanumeric Alphafillcharacter.Leftjustified.
ANS Alphanumeric/ Alphafillcharacter.Leftjustified.
Special
NB Numeric/Blank Alphafillcharacter.Leftjustified.
NS Numeric/ Alphafillcharacter.Leftjustified.
Special
MICR Numeric/MICR Numericfillcharacter.Rightjustified.
22
2.2.10. EnvelopeRecords
Inthefollowingdescriptionsofthedifferentrecordtypes,thefirstfieldinthedescriptivetablerelatesthefieldbeingdescribedtothe
original,basefieldintheANSIX9.37document[6].Thisisdoneforreferencepurposesonly.OnagreementoftheEnvelopeinterface,
sampleXMLfilesandasupportingXMLSchemawillbeprovided.
Inthefollowingtables,themainrecordxmlelementisshowninboldtext:forexample,<FileHeaderFileHeader>.TheElementscolumn,
forexampleFileHeaderElementscontainstheXMLelementnameinboldandenclosedinanglebrackets:forexample,<FieldName>.
TheEnvelopeRecordsencapsulatetheCEsasfollows:
ImageCashLetter<ICL>
o EnvelopeFileHeaderRecord<FileHeaderFileHeader>
CashLetter
o EnvelopeControlRecord(<FileControl>M99)
TheEnvelopeHeaderRecordmustbethefirstrecordintheEnvelope.TheFileHeader(01)musthaveacorrespondingFileControl(99)
intheEnvelope
2.2.10.1. EnvelopeFileHeaderRecord(<FileHeaderFileHeader>MX9.3701)
X9.37Field FileHeaderElements Max Type Use ContentsandValidation InvalidAction

Size
1 RecordType Shallbethefirstrecordin Processingofthisandany
ForreferencetoX9.37Standard[6] theICL. subsequentrecordsisterminated.
only. TheCEisexcluded.
<FileHeader> Anacknowledgementiscreatedthat
indicatestheexclusionreason.
23
Size
2 <StandardLevel> 2 N M Shallcontain3to Processingofthisandany
indicatefileinterfacelevel subsequentrecordsisterminated.
BACPS01. TheCEisexcluded.
Anacknowledgementiscreatedthat
3 <TestFileIndicator> 1 A M Shallcontain: Processingofthisandany
PforaProductionFile; subsequentrecordsisterminated.
or, TheCEisexcluded.
TforaTestFile Anacknowledgementiscreatedthat
4 <ImmediateDestRoutingNumber> 9 N M ForanOCEoranORE, Processingofthisandany
shallcontaintheRouting subsequentrecordsisterminated.
NumberoftheBACH. TheCEisexcluded.
ForanICEorIRE,shall Anacknowledgementiscreatedthat
containtheRouting indicatestheexclusionreason.
Numberofthe
destinationmemberbank.
TheRoutingNumberwill
bevalidatedbycheck
digit.
5 <ImmediateOriginRoutingNumber> 9 N M ShallcontaintheRouting Processingofthisandany
Numberofthe subsequentrecordsisterminated.
originatinginstitution TheCEisexcluded.
(BACPSormember Anacknowledgementiscreatedthat
bank). indicatestheexclusionreason.
TheRoutingNumberwill
bevalidatedbycheck
digit.
24

Size
6 <FileCreationDate> 8 N M YYYYMMDDwhere Processingofthisandany
YYYYyear subsequentrecordsisterminated.
MMmonth TheCEisexcluded.
DDday Anacknowledgementiscreatedthat
Datemustbeequaltoor indicatestheexclusionreason.
nomorethana
configurablenumber
(initiallyzero(0)calendar
days)priortothecurrent
businessdate.
7 <FileCreationTime> 4 N M HHMMwhere Processingofthisandany
HHhour(0023) subsequentrecordsisterminated.
MMminute(0059) TheCEisexcluded.
Timemustbeequaltoor Anacknowledgementiscreatedthat
priortothecurrent indicatestheexclusionreason.
businesstime
8 <ResendIndicator> 1 A M YResentfile. Processingofthisandany
Filecontainsthesame subsequentrecordsisterminated.
dataasapreviouslysent TheCEisexcluded.
file. Anacknowledgementiscreatedthat
NFirsttimefilehasbeen indicatestheexclusionreason.
sent
25

Size
9A <ECESettlementDate> 8 N M YYYYMMDDwhere Processingofthisandany
YYYYyear subsequentrecordsisterminated.
MMmonth TheCEisexcluded.
DDday Anacknowledgementiscreatedthat
EnteredbyBACPSin indicatestheexclusionreason.
InwardCheque
Envelopesforitems
acceptedbyBACPSfor
processing.
ShallbeBlankin
OutwardCheque
Envelopes
9B <ECESessionTime> 4 N M HHMMwhere Processingofthisandany
EnteredbyBACPSin Anacknowledgementiscreatedthat
InwardCheque indicatestheexclusionreason.
Envelopesforitems
acceptedbyBACPSfor
processing.
ShallbeBlankin
OutwardCheque
Envelopes
26

Size
9C <ECESettlementTime> 4 N M HHMMwhere Processingofthisandany
EnteredbyBACPSin Anacknowledgementiscreatedthat
InwardCheque indicatestheexclusionreason.
Envelopes
ShallbeBlankin
OutwardCheque
Envelopes
9D <ECEType> 2 N M Shallonlycontainone Processingofthisandany
ofthefollowing subsequentrecordsisterminated.
values: TheCEisexcluded.
01:Normal Anacknowledgementiscreatedthat
02:Express indicatestheexclusionreason.
05:OnUs(possible
futureoption)
11:HighValuedItem
21:NormalReturn
22:ExpressReturn
31:HighValued
Return
27

Size
11 <FileIDModifier> 1 AN O Presentifapreviousfile None.
hasthesamevaluesin
FileHeaderfields:
DestinationRouting
Number
OriginRoutingNumber
FileCreationDate
FileCreationTime
12 <CountryCode> 2 A M ISO3166CountryCode Processingofthisandany
OnlyBDcurrently subsequentrecordsisterminated.
permitted. TheCEisexcluded.
Anacknowledgementiscreatedthat
None <OffsetofCertificate> 10 N O Offsettodigiatal None
certificateintheIMGfile.
InsertedbyPBM
13 <UserField> 10 ANS O Novalidation None
2.2.10.2. EnvelopeFileControlRecord(<FileControl> M X9.3799)
28

X9.37 FileControlElements Size Type Use ContentandValidation InvalidAction
Field
1 RecordType TheFileControlmustbe Processingofthisandany
ForreferencetoX9.37Standard[6]only. thefinalrecordinaCE. subsequentrecordsisterminated.
<FileControl> TheFileControlshall TheCEisexcluded.
alwaysfollowaCash Anacknowledgementiscreated
LetterControlRecord thatindicatestheexclusionreason.

2 <CashLetterCount> 6 N M TotalnumberofCash Processingofthisandany
LettersintheCE. subsequentrecordsisterminated.
Shallbeequaltothe TheCEisexcluded.
calculatedtotalbasedon Anacknowledgementiscreated
thecountof thatindicatestheexclusionreason.
CashLetterHeadersin
theEnvelopeandshall
notexceed1.
3 <TotalRecordCount> 8 N M Thetotalnumberof Processingofthisandany
recordsofalltypessent subsequentrecordsisterminated.
inthefile,includingthe TheCEisexcluded.
FileControlRecord Anacknowledgementiscreated
Shallbeequaltothe thatindicatestheexclusionreason.
calculatedtotalbasedon
thecountofrecordsin
theEnvelope
29

X9.37 FileControlElements Size Type Use ContentandValidation InvalidAction
Field
4 <TotalItemCount> 8 N M TotalnumberofItems Processingofthisandany
(CheckDetailor31)in subsequentrecordsisterminated.
theCE. TheCEisexcluded.
Shallbeequaltothe Anacknowledgementiscreated
calculatedtotalbasedon thatindicatestheexclusionreason.
thecountoftheabove
recordtypesinthe
Envelope
5 <FileTotalAmount> 16 N M TotalPoishavalueofthe Processingofthisandany
Envelope. subsequentrecordsisterminated.
Shallbeequaltothe TheCEisexcluded.
calculatedtotalbasedon Anacknowledgementiscreated
thetotaloftheamounts thatindicatestheexclusionreason.
ofallCheckDetailor
ReturnRecordintheCE.
6 <ImmediateOriginContactName> 20 ANS O Thenameofacontactat Documentaryfield
theinstitutionthat
createstheECEfile.
Novalidation
7 <ImmediateOriginContactPhoneNumber> 15 N O Thephonenumberof Documentaryfield
thecontactatthe
institutionthatcreates
theECEfile.
Novalidation.
2.2.11. CashLetterRecords
ACashLetterHeaderRecordintroducesoneormorebundlesofaparticularCashLettertype.
30

TheCashLetter,whichmaybeforForwardBundlesorReturnBundles,comprisesthefollowingrecordtypes:

CashLetterHeaderRecord(CashLetterHeader),whichmustfollowanEnvelopeHeaderRecord(FileHeader)
o Bundle
CashLetterControlRecord(CashLetterControl)
2.2.11.1. CashLetterHeaderRecord(<CashLetterHeader>MX9.3710)
X9.37 CashLetterHeaderElements Max Type Use ContentandValidation InvalidAction

Field Size
1 RecordType Shallalwaysfollowan Processingofthisandany
ForreferencetoX9.37Standard[6]only. EnvelopeHeader subsequentrecordsis
<CashLetterHeader> Record(FileHeader). terminated.
TheCEisexcluded.
Anacknowledgementiscreated
thatindicatestheexclusion
reason.
2,3,4 Notused
5 <CashLetterBusinessDate> 8 N M YYYYMMDD Processingofthisandany
AddedbyBACPSand subsequentrecordsis
shallhavethesame terminated.
valueas TheCEisexcluded.
FileHeaderField9a Anacknowledgementiscreated
reason.
31

Field Size
6 <CashLetterCreationDate> 8 N M YYYYMMDD Processingofthisandany
Datemustbeequaltoor subsequentrecordsis
nomorethana terminated.
configurablenumber TheCEisexcluded.
(initiallythreecalendar Anacknowledgementiscreated
days)priortothe thatindicatestheexclusion
currentbusinessdate. reason.
7 <CashLetterCreationTime> 4 N M Hhmm Processingofthisandany
Validatedasbeingequal subsequentrecordsis
to,orpriorto,the terminated.
currentsystemtime. TheCEisexcluded.
Anacknowledgementiscreated
reason.
8 <CashLetterRecordTypeIndicator> 1 A M Shallonlybeoneofthe Processingofthisandany
following: subsequentrecordsis
I:CashLetterCash terminated.
Lettercontainsitemdata TheCEisexcluded.
andimages(only Anacknowledgementiscreated
permittedforforward thatindicatestheexclusion
CashLetterCashLetters) reason.
E:CashLetterCash
Lettercontainsitemdata
only,noimages
N:CashLetterCash
Letterhasnoelectronic
itemsorimages.
32

Field Size
9 <CashLetterDocumentationTypeIndicator> 1 AN C Shallonlybeoneofthe Processingofthisandany
following: subsequentrecordsis
G:Imageincludedno terminated.
paper. TheCEisexcluded.
I:Imageincluded; Anacknowledgementiscreated
paperprovided thatindicatestheexclusion
separately.nonstandard reason.
governmentcheques
K:Forreturns;no
imageprovided,no
paperprovided.
10 <CashLetterID> 8 AN M UniqueReferenceID, Processingofthisandany
createdbyoriginating subsequentrecordsis
institution. terminated.
Mustnotbethesameas TheCEisexcluded.
apreviouslyprocessed Anacknowledgementiscreated
CashLetterCashLetter thatindicatestheexclusion
fromthepresenting reason.
bank.
11 <OriginatorContactName> 14 ANS O Contactperson None.
accountableforthe
ChequeEnvelope.
Documentaryfield
12 <OriginatorContactPhoneNumber> 10 N O Contactphonenumber None.
foraboveperson.
Documentaryfield
14 <UserField> 10 ANS O DocumentaryField None.
33

2.2.11.2. CashLetterControlRecord(<CashLetterControl> M90)
X9.37Field CashLetterControlElements Max Type Use Validation InvalidAction

Size
1 RecordType ShallonlybeoneperCash Processingofthisandany
ForreferencetoX9.37 Letterandshallcorrespondto subsequentrecordsisterminated.
Standard[6]only. itsprecedingCashLetter TheCEisexcluded.
<CashLetterControl> Header Anacknowledgementiscreated
Record(CashLetterHeader). thatindicatestheexclusionreason.
Shallbethelastrecordinthe
CashLetter.
ShallalwaysfollowaBundle
Control
Record(BundleControl)
2 <BundleCount> 6 N M Totalnumberofbundlesinthe Processingofthisandany
CashLetter. subsequentrecordsisterminated.
Shallbeequaltothecalculated TheCEisexcluded.
totalbasedonthecountof Anacknowledgementiscreated
BundleHeadersintheCash thatindicatestheexclusionreason.
Letter.
3 <ItemsWithinCashLetterCount> 8 N M Totalnumberofitemsinthe Processingofthisandany
CashLetter. subsequentrecordsisterminated.
totalofallCheckDetailor Anacknowledgementiscreated
ReturnRecordrecordsinthe thatindicatestheexclusionreason.
CashLetter.
34

X9.37Field CashLetterControlElements Max Type Use Validation InvalidAction
Size
4 <CashLetterTotalAmount> 14 N M Totalamountofalltheitems Processingofthisandany
withintheCashLetter. subsequentrecordsisterminated.
totalamountofallCheckDetail Anacknowledgementiscreated
orReturnRecordrecordsinthe thatindicatestheexclusionreason.
CashLetter.
5 <ImagesWithinCashLetterCount> 9 N C Totalnumberofimageviews Processingofthisandany
withintheCashLetter. subsequentrecordsisterminated.
totalofallImageViewDetail Anacknowledgementiscreated
recordsintheCashLetter. thatindicatestheexclusionreason.
6 <ECEInstitutionName> 25 A O Nameofthepresenting None
institution.
Documentaryfield
7 <SettlementDate> 8 N O Documentaryfield None

2.2.12. BundleRecords<Bundle>
Bundlesaredelimitedbytheirassociatedbundlerecords,theBundleHeaderRecord(BundleHeader)andtheBundleControl
RecordBundleControl).
BundlesmaybeForwardBundles,deliveredbythepresentingbanktotheBACPSfordistributiontotheissuingbanks,or,Return
Bundles,deliveredbytheissuingbanktotheBACPSfordistributiontotheoriginalpresentingbanks.
35

BundleHeader BundleHeaderField Max Type Use ContentandValidation InvalidAction
Record Size
(<BundleHeader>
M20X9.37
Field
1 RecordType Shallalwaysfollowa Processingofthisandany
ForreferencetoX9.37Standard[6] CashLetterHeader subsequentrecordsis
only. RecordoraBundle terminated.
<BundleHeader> ControlRecord. TheCEisexcluded.
Acknowledgementindicates
reason.
2 <CollectionTypeIndicator> 2 N M Shallcontainthesame Processingofthisbundleand
valueastheCashLetter itscontentsisterminated.
TypeIndicatorfromthe Thebundleisexcluded.
CashLetterHeaderField2 Acknowledgementindicates
[2.2.11.1] reason.
3 <DestRoutingNumber> 9 N M Shallcontainthesame Processingofthisbundleand
valueas itscontentsisterminated.
CashLetterHeaderField3 Thebundleisexcluded.
[2.2.11.1] Acknowledgementindicates
reason.
4 <ECEInstitutionRoutingNumber> 9 N M ShallcontaintheRouting Processingofthisbundleand
Numberofthe itscontentsisterminated.
originatinginstitution Thebundleisexcluded.
(BACPSormember Acknowledgementindicates
bank). reason.
TheRoutingNumber
willbevalidatedagainst
thelistofcurrentlyvalid
RoutingNumbers
36

Record Size
(<BundleHeader>
M20X9.37
Field
5 <BundleBusinessDate> 8 N M Thebusinessdatefor Processingofthisbundleand
whichthisbundlewas itscontentsisterminated.
processed. Thebundleisexcluded.
YYYYMMDD Acknowledgementindicates
Shallcontainthesame reason.
valueas
CashLetterHeaderField5
[2.2.11.1]
6 <BundleCreationDate> 8 N M YYYYMMDD;The Processingofthisbundleand
creationdate. itscontentsisterminated.
Shallcontainthesame Thebundleisexcluded.
valueas Acknowledgementindicates
CashLetterHeaderField6 reason.
[2.2.11.1]
7 <BundleID> 10 AN O AssignedbyOrigin None
Institution.
Documentaryfield
8 <BundleSequenceNumber> 4 NB O AssignedbyOrigin None
Institution.
Uniquebundlesequence
numberwithintheCash
Letter.
Documentaryfield
37

Record Size
(<BundleHeader>
M20X9.37
Field
9 <CycleNumber> 2 N O Acodeassignedbythe None
institutionthatcreates
thebundle.Denotesthe
cycle(session)under
whichthebundleis
created.
Documentaryfield
10 <ReturnLocationRoutingNumber> 9 N M RoutingNumberof Processingofthisbundleand
presentingbank. itscontentsisterminated.
Validatedasbeingthe Thebundleisexcluded.
sameas Acknowledgementindicates
BundleHeaderField4 reason.
11 <UserField> 10 ANS O Documentaryfield None.

2.2.12.1. BundleControlRecord(<BundleControl>M70)
38

X9.37 BundleControlElements Max Type Use ContentandValidation InvalidAction
Field Size
1 RecordType Shallbepresenttocompleteabundle Processingofthisandanysubsequent
ForreferencetoX9.37 correspondingtoitspreceding recordsisterminated.
Standard[6]only. BundleHeaderRecord. TheCEisexcluded.
<BundleControl> Shallalwaysfollowarecordof Acknowledgementindicatesreason.
CheckDetail,AddendumA,
AddendumC,ImageViewData,
ImageViewAnalysis,
ReturnAddendumA,Type33,or
Type35.
2 <ItemsWithinBundleCount> 4 N M Totalnumberofitemsinthebundle. Processingofthisbundleandits
CheckDetailCheckDetailrecordsfor contentsisterminated.
forwardbundlesorReturnRecords Thebundleisexcluded.
forreturnbundles Acknowledgementindicatesreason.
Shallbeequaltothecalculatedtotal
ofallCheckDetailCheckDetailor
ReturnRecordsinthebundle.
3 <BundleTotalAmount> 15 N M Totalamountofalltheitemswithin Processingofthisbundleandits
thebundle. contentsisterminated.
Shallbeequaltothecalculatedtotal Thebundleisexcluded.
amountofallCheckDetailor Acknowledgementindicatesreason.
ReturnRecordsinthebundle.
4 <MICRValidTotalAmount> 15 N C TotalAmountofallChequeDetail None.
RecordsthathadvalidMICRcode Fieldavailableforissuingbankuse.
linesthatweresuccessfully
read.Documentaryfield.
39

X9.37 BundleControlElements Max Type Use ContentandValidation InvalidAction
Field Size
5 <ImagesWithinBundleCount> 5 N C Totalnumberofimageviewswithin Processingofthisbundleandits
thebundle. contentsisterminated.
Shallbeequaltothecalculatedtotal Thebundleisexcluded.
ofallImageViewDetailrecordsinthe Acknowledgementindicatesreason.
bundleandshallequalthecount
specifiedin
CashLetterControlField90.
6 <UserField> 10 ANS O Documentaryfield None.
Afieldusedatthediscretionofusers
withBACHapproval.
2.2.13. ItemRecords<Item>
Itemscomprisethechequedata,anyassociatedaddendumrecords,andanyassociatedimages.The<Item>subelementsfollowthe
<Item>elementandaredescribedinthefollowingsubsections.
2.2.13.1. ChequeDetailRecord(<CheckDetail>M25)
40

X9.37 CheckDetailElements Max Type Use ContentandValidation InvalidAction
Field Size
1 RecordType Shallonlybepresentfor Processingofthisandany
ForreferencetoX9.37Standard[6]only. outwardbundle(forward subsequentrecordsisterminated.
<CheckDetail> presentment). TheCEisexcluded.
Shallonlybeonerecordper Acknowledgementindicatesreason.
cheque.
Shallalwaysfollowarecord
of
BundleHeaderBundleHeader,
CheckDetailCheckDetail,
AddendumA,AddendumC,
ImageViewDetail,
ImageViewData,or
ImageViewAnalysis.
2A <ECESettlementDate> 8 N M YYYYMMDD Itemismarkedasanexceptionand
Shallhavethesamevalueas excludedfromsettlement.
FileHeaderField9a Itemisreturnedtothepresenting
bankinanAcknowledgement
EnvelopewithaReturnReason
indicatingwhyitwasexcluded.
Processingcontinuesatthenext
itemCheckDetail,BundleControl.

41

Field Size
2B <ECESessionTime> 4 N M hhmm Itemismarkedasanexceptionand
FileHeaderField9b Itemisreturnedtothepresenting

2C <ECESettlementTime> 4 N M hhmm Itemismarkedasanexceptionand
FileHeaderField9c Itemisreturnedtothepresenting

2D <ECEItemType> 1 A M Shallcontaineither: Itemismarkedasanexceptionand
N:Normalcheque excludedfromsettlement.
R:RepresentedItem Itemisreturnedtothepresenting

42

Field Size
3 <ExternalProcessingCode> 1 ANS O AssignedbyPresenting None
Bank.
Documentaryfield
4&5 <IssuingBranchRoutingNumber> 9 N M IssuingbankRouting None
Numberasonthecheque
MICRcodelineofthe
instrument.
Treatedasadocumentary
fieldbyBACPSbutusedfor
Archivepurposes.
6A <AccountNumber> 13 N M 13digitAccountNumber None
fromtheCheque.
Paddedwithzeroestothe
leftofthemostsignificant
digitiftheaccountnumberis
lessthan13digits.
Archivepurposes.
6B <ChequeSequenceNumber> 7 N M 7digitchequenumberason None.
theMICRcodeline.
Archivepurposes
43

Field Size
7 <ItemAmount> 12 N M Numericitemamount. Itemismarkedasanexceptionand
Tenmajorcurrencydigits excludedfromsettlement.
andtwominorcurrency Itemisreturnedtothepresenting
digits. bankinanAcknowledgement
Decimalpointimplied. EnvelopewithaReturnReason
Shouldnotbezero. indicatingwhyitwasexcluded.

8 <ECEInstitutionItemSeqNumber> 17 NB M Theitemsequencenumberas Itemismarkedasanexceptionand
allocatedbythepresenting excludedfromsettlement.
bank. Itemisreturnedtothepresenting
BBBDDbbbCSSSSSSSS bankinanAcknowledgement
BBBBankCode; EnvelopewithaReturnReason
DDDistrict indicatingwhyitwasexcluded.
bbb:Branchcode Processingcontinuesatthenext
SSSSSSSS:SequenceNumber itemCheckDetail,BundleControl.
forthebusinessdate.
9 <DocumentationTypeIndicator> 1 AN M Shallbe: Itemismarkedasanexceptionand
I:ItemwithImage excludedfromsettlement.
Itemisreturnedtothepresenting

44

Field Size
10 <ReturnAcceptanceIndicator> 1 AN M Shallhavethevalue: Itemismarkedasanexceptionand
6:Willacceptreturnsonly excludedfromsettlement.
(Notificationsofpossible Itemisreturnedtothepresenting
returnsarenotaccepted) bankinanAcknowledgement

11 <MICRValidIndicator> 1 N M Shallonlybeoneofthe Itemismarkedasanexceptionand
following: excludedfromsettlement.
1Goodread Itemisreturnedtothepresenting
2Goodread,missingfield bankinanAcknowledgement
3Readerrorencountered EnvelopewithaReturnReason
4Missingfieldandread indicatingwhyitwasexcluded.
errorencountered Processingcontinuesatthenext

12 <BOFDIndicator> 1 A M Ythepresentingbankis Itemismarkedasanexceptionand
thebankofdeposit. excludedfromsettlement.
Nthepresentingbankis Itemisreturnedtothepresenting
notthebankofdeposit bankinanAcknowledgement
(Bureau) EnvelopewithaReturnReason
Sthebankofdepositisa indicatingwhyitwasexcluded.
submemberofthe Processingcontinuesatthenext
presentingbank. itemCheckDetail,BundleControl.

45

Field Size
13 <CheckDetailRecordAddendumCount> 2 N M Shallbe0099and Itemismarkedasanexceptionand
correspondtothenumberof excludedfromsettlement.
addendumrecordsforthis Itemisreturnedtothepresenting
item. bankinanAcknowledgement

14 <CorrectionIndicator> 1 N M Shallbeoneofthefollowing: Itemismarkedasanexceptionand
0NoRepair excludedfromsettlement.
1Repaired Itemisreturnedtothepresenting
2Repairedwithout bankinanAcknowledgement
Operatorintervention EnvelopewithaReturnReason
3RepairedwithOperator indicatingwhyitwasexcluded.
intervention Processingcontinuesatthenext
4Undetermined itemCheckDetail,BundleControl.

None <RepresentmentIndicator> 1 N M Shallbeoneofthefollowing: Itemismarkedasanexceptionand
0:Firstpresentment excludedfromsettlement.
1:Firstrepresentment Itemisreturnedtothepresenting
2:Secondrepresentment bankinanAcknowledgement

46

Field Size
15 <ArchiveTypeIndicator> 1 AN M Acodethatindicatesthetype Itemismarkedasanexceptionand
ofarchivethatsupportsthis excludedfromsettlement.
CheckDetailRecord. Itemisreturnedtothepresenting
Shallbeoneofthefollowing: bankinanAcknowledgement
B:Image EnvelopewithaReturnReason
F:ImageandPaper indicatingwhyitwasexcluded.

None <OffsetofDigitalSignature> 10 N O Offsettothedatadigital None
signatureintheassociated
imagefile.

2.2.13.2. ChequeDetailAddendumARecord(<AddendumA>C26)
X9.37 AddendumAElements Max Type Use ContentandValidation InvalidAction

Field Size
ForreferencetoX9.37Standard[6]only. CheckDetail subsequentrecordsisterminated.
<AddendumA> record.CheckDetail TheCEisexcluded.
Acknowledgementindicatesreason.

47

Field Size
2 <AddendumARecordNumber> 1 N M Cardinalnumber Itemismarkedasanexceptionand
representingthecreation excludedfromsettlement.
orderofeachAddendum Itemisreturnedtothepresenting
RecordAfortheassociated bankinanAcknowledgement
item. EnvelopewithaReturnReason
Shallbe1. indicatingwhyitwasexcluded.
3 <BOFDRoutingNumber> 9 N C ShallbeavalidBangladesh Itemismarkedasanexceptionand
RoutingNumberforthe excludedfromsettlement.
presentingbank. Itemisreturnedtothepresenting

4 <BOFDBusinessEndorsementDate> 8 N C Datemustbeequaltoorno Itemismarkedasanexceptionand
morethanaconfigurable excludedfromsettlement.
number(initiallyzero Itemisreturnedtothepresenting
calendardays)priortothe bankinanAcknowledgement
currentbusinessdate. EnvelopewithaReturnReason

48

Field Size
5 <BOFDItemSequenceNumber> 17 NB C BBBDDbbbCSSSSSSSS Itemismarkedasanexceptionand
BBBBankCode; excludedfromsettlement.
DDDistrict Itemisreturnedtothepresenting
bbbBranchcode bankinanAcknowledgement
CCheckdigit EnvelopewithaReturnReason
SSSSSSSS:Sequence indicatingwhyitwasexcluded.
Numberforthebusiness Processingcontinuesatthenext
date. itemCheckDetail,BundleControl.
SameasCheckDetail
field8.
Theitemsequencenumber
asallocatedbythe
presentingbank.
6 <DepositAccountNumberatBOFD> 18 N O Thedepositaccount None
numberatthepresenting
bank.
fieldbyBACPS.Maybe
usedforArchive.
7 <BOFDDepositBranch> 5 N M BranchwheretheItemwas None.
deposited
fieldbyBACPS.Maybe
usedforArchive.
8 <PayeeName> 15 ANS O Payeenamefromthe None
chequeifavailable.
fieldbyBACPS.
49

Field Size
9 <TruncationIndicator> 1 A M ShallhavethevalueYor Itemismarkedasanexceptionand
N. excludedfromsettlement.
YYesthisinstitution Itemisreturnedtothepresenting
truncatedtheoriginal bankinanAcknowledgement
check EnvelopewithaReturnReason
NNothisinstitutiondid indicatingwhyitwasexcluded.
nottruncatetheoriginal Processingcontinuesatthenext
checkTreatedasa itemCheckDetail,BundleControl.
documentaryfieldby
BACPS.
ShallbeY.
10 <BOFDConversionIndicator> 1 AN M Shallhavethevalue2 Itemismarkedasanexceptionand
2:Originalpaper excludedfromsettlement.
convertedtoimage Itemisreturnedtothepresenting
11 <BOFDCorrectionIndicator> 1 N M ForMICRfieldsotherthan Itemismarkedasanexceptionand
RTNumberandAmount excludedfromsettlement.
0NoRepair Itemisreturnedtothepresenting
1Repaired bankinanAcknowledgement
2Repairedwithout EnvelopewithaReturnReason
Operatorintervention indicatingwhyitwasexcluded.
3RepairedwithOperator Processingcontinuesatthenext
intervention itemCheckDetail,BundleControl.
4Undetermined
50

Field Size
12 <UserField> 10 ANS O Userfield.Treatedas None.
documentarybyBACPS.

2.2.13.3. ChequeDetailAddendumCRecord(<AddendumC>C28)
X9.37 AddendumCElements Max Type Use Validation InvalidAction

Field Size
ForreferencetoX9.37Standard[6]only. CheckDetailCheckDetail, subsequentrecordsisterminated.
<AddendumC> AddendumAAddendumA, TheCEisexcluded.
or Acknowledgementindicatesreason.
AddendumCAddendumC.
2 <AddendumCRecordNumber> 2 N M Cardinalnumber None
representingthecreation TreatedasdocumentarybyBACPS
orderofeachAddendum
RecordCfortheassociated
item.
Shallbenumerically
greaterthanthesame
numberfortheprevious
AddendumCRecordfor
theassociateditem.
3 <EndorsingBankRoutingNumber> 9 N C PresentingBankRouting None
Number. TreatedasdocumentarybyBACPS

51

Field Size
4 <EndorsingBankEndorsementDate> 8 N C PresentingBank None
EndorsementDate TreatedasdocumentarybyBACPS
YYYYMMDD
Datemustbeequaltoor
nomorethana
configurablenumber
(initiallythreecalendar
days)priortothecurrent
businessdate.

5 <EndorsingBankItemSequenceNumber> 17 NB C BBBDDbbbCSSSSSSSS None
BBBBankCode; TreatedasdocumentarybyBACPS
DDDistrict;
bbbBranchCode;
CCheckdigit
SSSSSSSSSequence
Numberfortheitemfor
theday.

6 <TruncationIndicator> 1 A M YYesthisinstitution None
truncatedtheoriginal TreatedasdocumentarybyBACPS
check
NNothisinstitutiondid
nottruncatetheoriginal
check.

52

Field Size
7 <EndorsingBankConversionIndicator> 1 AN M 2:Originalpaper None
convertedtoimage. TreatedasdocumentarybyBACPS

8 <EndorsingBankCorrectionIndicator> 1 N M 0NoRepair None
1Repaired TreatedasdocumentarybyBACPS
2Repairedwithout
Operatorintervention
3RepairedwithOperator
intervention
4Undetermined.

9 <ReturnReason> 2 AN C Shallcontainavalidreturn None
reasonforachequethatis TreatedasdocumentarybyBACPS
beingrepresentedandhad
areturnreasonincludedin
itsreturn
record(ReturnRecord).

10 <UserField> 10 ANS O (Discretionary) None.
TreatedasdocumentarybyBACPS.

2.2.13.4. ImageViewRecords<ImageView>
Theimageviewrecordsaregroupedassubelementsofthe<ImageView>element.
53

2.2.13.5. ImageViewDetailRecord(<ImageViewDetail>C50)
X9.37 ImageViewDetailElements Max Typ Us ContentandValidation InvalidAction

Field Size e e
ForreferencetoX9.37Standard[6] CheckDetail,AddendumA,or subsequentrecordsisterminated.
only. AddendumC.CheckDetailAdden TheCEisexcluded.
<ImageViewDetail> dumAAddendumC Acknowledgementindicatesreason.
Shallalwaysbefollowedbyan
ImageViewDatarecord

2 <ImageIndicator> 1 N M Shallcontain1: Itemismarkedasanexceptionand
Imageviewpresent,actual excludedfromsettlement.
cheque Itemisreturnedtothepresenting

54

Field Size e e
3 <ImageCreatorRoutingNumber> 9 N M PresentingBankRoutingNumber Itemismarkedasanexceptionand
Shallbethesameas excludedfromsettlement.
BundleHeaderField4. Itemisreturnedtothepresenting

4 <ImageCreatorDate> 8 N M Shallbethedateonwhichthe Itemismarkedasanexceptionand
itemwascaptured. excludedfromsettlement.
Datemustbeequaltoornomore Itemisreturnedtothepresenting
thanaconfigurablenumber bankinanAcknowledgement
(initiallythreecalendardays) EnvelopewithaReturnReason
priortothecurrentbusinessdate. indicatingwhyitwasexcluded.

5 <ImageViewFormatIndicator> 2 NB M Shallbe0TIFF6 Itemismarkedasanexceptionand
excludedfromsettlement.

55

Field Size e e
6 <ImageViewCompressionAlgorithm 2 NB M Shallbe0Group4facsimile Itemismarkedasanexceptionand
> compression excludedfromsettlement.
(ITUTRec.T.563/CCITTRec.T.6) Itemisreturnedtothepresenting

7 <ImageViewDataSize> 7 N C Shallbe1200000and Itemismarkedasanexceptionand
correspondstothesizeof excludedfromsettlement.
ImageViewDataField19,Image Itemisreturnedtothepresenting
Data. bankinanAcknowledgement

8 <ViewSideIndicator> 1 N M Shallbe0forFrontImageView Itemismarkedasanexceptionand
Shallbe1forRearImageView excludedfromsettlement.

56

Field Size e e
9 <ViewDescriptor> 2 N M Shallbe0forfullimageview Itemismarkedasanexceptionand
excludedfromsettlement.

10 <DigitalSignatureIndicator> 1 NB M Shallbe Itemismarkedasanexceptionand
0DigitalSignaturenotpresent excludedfromsettlement.
1Digitalsignaturepresent Itemisreturnedtothepresenting

57

Field Size e e
11 <DigitalSignatureMethod> 2 N M 0DigitalSignatureAlgorithm Itemismarkedasanexceptionand
(DSA)withSHA1(ANSIX9.30) excludedfromsettlement.
1RSAwithMD5(ANSIX9.31) Itemisreturnedtothepresenting
2RSAwithMDC2(ANSIX9.31) bankinanAcknowledgement
3RSAwithSHA1(ANSIX9.31) EnvelopewithaReturnReason
4EllipticCurveDSA(ECDSA) indicatingwhyitwasexcluded.
withSHAI(ANSIX9.62) Processingcontinuesatthenext
5through99Reserved itemCheckDetail,BundleControl.
See[Error!Referencesourcenot
found.]

12 <SecurityKeySize> 5 N C 0Digitalsignaturenotpresent Itemismarkedasanexceptionand
199999Lengthofdigital excludedfromsettlement.
signature Itemisreturnedtothepresenting

58

Field Size e e
13 <StartofProtectedData> 7 N C Thestartoffsetintheimagefrom Itemismarkedasanexceptionand
whichitissigned. excludedfromsettlement.
Shallbenumeric0200000 Itemisreturnedtothepresenting

14 <LengthofProtectedData> 7 N C 0EntireImage Itemismarkedasanexceptionand
1200000lengthprotected excludedfromsettlement.

15 <ImageRecreateIndicator> 1 N C 0Sendercanrecreateimagefor Itemismarkedasanexceptionand
durationofagreedretention excludedfromsettlement.
1Sendercannotrecreateimage Itemisreturnedtothepresenting
view bankinanAcknowledgement

59

Field Size e e
16 <UserField> 10 ANS O Treatedasdocumentaryby None.
BACPS.
2.2.13.6. ImageViewDataRecord(<ImageViewData>C52)
X9.37 ImageViewDataElements Max Type Use Contentand InvalidAction

Field Size Validation
1 RecordType Shallalwaysfollow Processingofthisandanysubsequent
ForreferencetoX9.37Standard[6] anImageViewDetail recordsisterminated.
only. record TheCEisexcluded.Acknowledgement
<ImageViewData> indicatesreason.

2 <ECEInstitutionRoutingNumber> 9 N M Presentingbank Itemismarkedasanexceptionand
RoutingNumber excludedfromsettlement.
Shallbethesame Itemisreturnedtothepresentingbank
valueas inanAcknowledgementEnvelopewith
BundleHeaderfield4 aReturnReasonindicatingwhyitwas
excluded.
Processingcontinuesatthenextitem
CheckDetail,BundleControl.

60

3 <BundleBusinessDate> 8 N M Thebusinessdatefor Itemismarkedasanexceptionand
whichtheprocessing excludedfromsettlement.
isperformed Itemisreturnedtothepresentingbank
Shallbethesame inanAcknowledgementEnvelopewith
valueas aReturnReasonindicatingwhyitwas
BundleHeaderfield5 excluded.

4 <CycleNumber> 2 AN O (Assignedby None.
Institution)
DocumentaryField,
NoValidation
5 <ECEInstitutionItemSequenceNumber> 17 NB M BBBDDbbbCSSSSSSSS Itemismarkedasanexceptionand
BBBBankCode; excludedfromsettlement.
DDDistrict Itemisreturnedtothepresentingbank
bbbBranch inanAcknowledgementEnvelopewith
CCheckdigit aReturnReasonindicatingwhyitwas
SSSSSSSSSequence excluded.
Numberfortheitem Processingcontinuesatthenextitem
fortheday. CheckDetail,BundleControl.
Shallbethesame
valueasCheckDetail
field8
61

6 <SecurityOriginatorName> 16 ANS C Shallidentifythe None
entitythatcreatedthe
DigitalSignaturefor
thedatatobe
exchanged.
ProvidedbyPBM.
7 <SecurityAuthenticatorName> 16 ANS C Shallidentifythe None
entitythatvalidated
theDigitalSignature
forthedatatobe
exchanged.
ProvidedbyPBM.
8 <SecurityKeyName> 16 ANS C Shallidentifythe None
nameusedbythe
originatortoconveya
keyidentifiertothe
authenticator.
ProvidedbyPBM
9 <ClippingOrigin> 1 NB M Shallhavethevalue Itemismarkedasanexceptionand
0Clipping excludedfromsettlement.
informationisnot Itemisreturnedtothepresentingbank
present inanAcknowledgementEnvelopewith
aReturnReasonindicatingwhyitwas
excluded.

62

10 <ClippingCoordinateH1> 4 N C Shallhavethevalue Itemismarkedasanexceptionand
0 excludedfromsettlement.
Itemisreturnedtothepresentingbank
inanAcknowledgementEnvelopewith
excluded.

11 <ClippingCoordinateH2> 4 N C Shallhavethevalue Itemismarkedasanexceptionand
excluded.

12 <ClippingCoordinateV1> 4 N C Shallhavethevalue Itemismarkedasanexceptionand
excluded.

63

13 <ClippingCoordinateV2> 4 N C Shallhavethevalue Itemismarkedasanexceptionand
excluded.

14 <LengthofImageReferenceKey> 4 NB M 1256 Itemismarkedasanexceptionand
Shallhavethevalue excludedfromsettlement.
0iffield15,Image Itemisreturnedtothepresentingbank
ReferenceKey,isnot inanAcknowledgementEnvelopewith
present. aReturnReasonindicatingwhyitwas
Shallhavethevalue excluded.
1256iffield15,
ImageReferenceKey, CheckDetail,BundleControl.
ispresent.
15 <ImageReferenceKey> Field14 ANS C (uniquekeyto None
(X) identifyimageby
truncatinginstitution,
thepresentingbank)
Documentaryfield
64

16 <LengthofDigitalSignature> 5 N M Shallhavethevalue Itemismarkedasanexceptionand
(DigitalSignatureintheimagedata 0DigitalSignatureis excludedfromsettlement.
file) notpresent. Itemisreturnedtothepresentingbank
Shallhavethevalue inanAcknowledgementEnvelopewith
64iffield15,Image aReturnReasonindicatingwhyitwas
ReferenceKey,is excluded.
present. Processingcontinuesatthenextitem

18 <LengthofImageData> 7 N M Shallcontain1 Itemismarkedasanexceptionand
9999999andbethe excludedfromsettlement.
sameasthesize Itemisreturnedtothepresentingbank
indicatedby inanAcknowledgementEnvelopewith
ImageViewDetail aReturnReasonindicatingwhyitwas
Field7. excluded.

19 <OffsetofImageData> 10 Numeric M Shallcontainthe Notvalidated.
absolutelocationof
thestartoftheimage
intheimagefile
None <OffsetofDigitalSignature> 10 Numeric M Shallcontainthe Notvalidated.
absolutelocationof
thestartoftheimage
digitalsignaturein
theimagefile
65

2.2.13.7. ImageViewAnalysisRecord(<ImageViewAnalysis>C54)
X9.37 ImageViewAnalysisElements Max Type Use ContentandValidation InvalidAction

Field Size
1 RecordType Shallalwaysfollowan Processingofthisandanysubsequent
ForreferencetoX9.37Standard[6] ImageViewDatarecord. recordsisterminated.
only. TheCEisexcluded.Acknowledgement
<ImageViewAnalysis> indicatesreason.

2 <GlobalImageQuality> 1 N M 0Theimagewasnot Itemismarkedasanexceptionand
testedforanyofthe excludedfromsettlement.
imagequalityconditions Itemisreturnedtothepresentingbank
1Theimagewastested inanAcknowledgementEnvelopewith
andoneormoreimage aReturnReasonindicatingwhyitwas
qualityconditionswere excluded.
reported Processingcontinuesatthenextitem
2Theimagewastested CheckDetail,BundleControl.
andnoimagequality
conditionswerereported

66

Field Size
3 <GlobalImageUsability> 1 N M 0Theimagewasnot Itemismarkedasanexceptionand
testedforanyofthe excludedfromsettlement.
imageusability Itemisreturnedtothepresentingbank
conditions inanAcknowledgementEnvelopewith
1Theimagewastested aReturnReasonindicatingwhyitwas
andoneormoreimage excluded.
usabilityconditionswere Processingcontinuesatthenextitem
reported CheckDetail,BundleControl.
2Theimagewastested
andnoimageusability
conditionswerereported

4 <ImagingBankSpecificTest> 1 N M 0Nouserdefinedtests Itemismarkedasanexceptionand
weremadeforother excludedfromsettlement.
imagequality/usability Itemisreturnedtothepresentingbank
conditions inanAcknowledgementEnvelopewith
1Otheruserdefined aReturnReasonindicatingwhyitwas
imageconditionswere excluded.
testedandoneormore Processingcontinuesatthenextitem
arereportedintheUser CheckDetail,BundleControl.
Field(Field45)
2Otheruserdefined
imageconditionswere
testedandnoneare
reportedintheUser
Field(Field45)
67

Field Size
6 <PartialImage> 1 N C 0Testnotdone Itemismarkedasanexceptionand
1Conditionpresent excludedfromsettlement.
2Conditionnotpresent Itemisreturnedtothepresentingbank
excluded.

6 <ExcessiveImageSkew> 1 N C 0Testnotdone Itemismarkedasanexceptionand
excluded.

7 <PiggybackImage> 1 N C 0Testnotdone Itemismarkedasanexceptionand
excluded.

68

Field Size
8 <TooLightOrTooDark> 1 N C 0Testnotdone Itemismarkedasanexceptionand
excluded.

9 <StreaksAndOrBands> 1 N C 0Testnotdone Itemismarkedasanexceptionand
excluded.

10 <BelowMinimumImageSize> 1 N C 0Testnotdone Itemismarkedasanexceptionand
excluded.

69

Field Size
11 <ExceedsMaximumImageSize> 1 N C 0Testnotdone Itemismarkedasanexceptionand
excluded.

25 <ImageEnabledPOD> 1 N C 0Itisunknown Itemismarkedasanexceptionand
whethertheimagewas excludedfromsettlement.
usedwithinanimage Itemisreturnedtothepresentingbank
enabledPOD inanAcknowledgementEnvelopewith
application. aReturnReasonindicatingwhyitwas
1Imagewasnotused excluded.
withinanimageenabled Processingcontinuesatthenextitem
PODapplication. CheckDetail,BundleControl.
2Imagewasused
withinanimageenabled
PODapplication.
70

Field Size
26 <SourceDocumentBad> 1 N C 0Testnotdone Itemismarkedasanexceptionand
1Imageisunusable.It excludedfromsettlement.
isnotpossibletoobtain Itemisreturnedtothepresentingbank
abetterimagesincethe inanAcknowledgementEnvelopewith
sourcedocumentisbad aReturnReasonindicatingwhyitwas
2Imageisunusable.It excluded.
islikelypossibleto Processingcontinuesatthenextitem
obtainabetterimage CheckDetail,BundleControl.
sincethesource
documentisgood.
27 <DateUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand
1Fromtheimagethe excludedfromsettlement.
<targetfield>is Itemisreturnedtothepresentingbank
unusableand inanAcknowledgementEnvelopewith
unreadable aReturnReasonindicatingwhyitwas
2Fromtheimagethe excluded.
<targetfield>is Processingcontinuesatthenextitem
usableandreadable CheckDetail,BundleControl.

28 <PayeeUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

71

Field Size
29 <ConvenienceAmounttUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

30 <AmountInWordsLegalUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

31 <SignatureUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

72

Field Size
32 <PayorNameAndAddressUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

33 <MICRLineUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

34 <MemoLineUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

73

Field Size
35 <PayorBankDetailsUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

36 <PayeeEndorsementUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

37 <BOFDEndorsementUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

74

Field Size
38 <TransitEndorsementUsability> 1 N C 0Testnotdone Itemismarkedasanexceptionand

3944 Notused
45 <UserField> 10 ANS O Discretionary None
2.2.14. ReturnRecord(<ReturnRecord>M31)
X9.37 ReturnRecordElements Max Type Use ContentandValidation InvalidAction

Field Size
1 RecordType Shallonlybepresentinareturnbundle(returnpresentment). Processingofthis
ForreferencetoX9.37Standard[6] Shallonlybeonerecordpercheque. andany
only. ShallalwaysfollowaBundleHeader,ReturnRecord, subsequent
<ReturnRecord> ReturnAddendumA,ReturnAddendumB, recordsis
ReturnAddendumD.BundleHeaderReturnRecordReturnAddendumA terminated.
TheCEis
excluded.
Acknowledgement
indicatesreason.

75

Field Size
2&3 <PayorBankRoutingNumber> 9 N M ValidRoutingNumberfortheissuingbank Itemismarkedas
anexceptionand
excludedfrom
settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord(31),
BundleControl
(70).
76

Field Size
4A <AccountNumber> 13 NBSM C 13digitAccountNumberfromtheoriginallypresentedcheque. Itemismarkedas
OS Paddedwithzeroestotheleftofthemostsignificantdigitifthe anexceptionand
accountnumberislessthan13digits. excludedfrom
ShallbethesameasCheckDetailField6Boftheoriginalitem. settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.
77

Field Size
4B <ChequeSequenceNumber> 7 N M 7digitchequenumberfilledwithsignificantzeroes,ifrequired,ason Itemismarkedas
theMICRcodeline.SameasinCheckDetailField(6b) anexceptionand
TreatedasadocumentaryfieldbyBACPSbutusedforArchive excludedfrom
purposes. settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord(31),
BundleControl
(70).
78

Field Size
4C <BOFDRepresentmentIndicator> 1 N M Shallbeoneofthefollowing: Itemismarkedas
0:Firstpresentment anexceptionand
1:Firstrepresentment excludedfrom
2:Secondrepresentment settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
CheckDetail,
BundleControl.
79

Field Size
5 <ItemAmount> 12 N M 12digitPoishaamountfromtheoriginallypresentedcheque. Itemismarkedas
Paddedwithzeroestotheleftofthemostsignificantdigitifthe anexceptionand
amountislessthan12digits. excludedfrom
Shallnotbezero. settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.
80

Field Size
6 <ReturnReason> 2 AN M MustcontainavalidreturnreasonasspecifiedintheProcedural Itemismarkedas
PoliciesDocument. anexceptionand
excludedfrom
settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.
81

Field Size
7 <ReturnReasonAddendumCount> 2 N M Shallbe0099andcorrespondtothenumberofaddendumrecords Itemismarkedas
forthisitem. anexceptionand
excludedfrom
settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.
82

Field Size
8 <ReturnDocumentationTypeIndicator> 1 AN M ShallhavethevalueEReturnwithnoImages Itemismarkedas
anexceptionand
excludedfrom
settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.
83

Field Size
9 <ForwardBundleDate> 8 N M Businessdateofforwardbundleinwhichtheoriginalitemwas Itemismarkedas
delivered anexceptionand
excludedfrom
settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.
84

Field Size
10 <ECEInstitutionItemSequenceNumber> 17 NB M Theitemsequencenumberasallocatedbythepresentingbankand Itemismarkedas
includedinCheckDetail8 anexceptionand
MaybeusedbyArchive. excludedfrom
settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.

11 <ExternalProcessingCode> 1 B O Userfield None.

85

Field Size
12 <ReturnNotificationIndicator> 1 N M Shallhavethevalue2FinalNotification Itemismarkedas
anexceptionand
excludedfrom
settlement.
Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.

86

Field Size
13 <ReturnArchiveTypeIndicator> 1 AN M AcodethatindicatesthetypeofarchivethatsupportstheReturn Itemismarkedas
Record anexceptionand
F:ImageandPaper excludedfrom
B:Image settlement.
Shallonlybe:B. Itemisreturnedto
thepresenting
bankinan
Acknowledgement
Envelopewitha
ReturnReason
indicatingwhyit
wasexcluded.
Processing
continuesatthe
nextitem
ReturnRecord,
BundleControl.

<OffsetofDigitalSignature> 10 N M 09999999999 None
OffsetofthedigitalsignatureintheoriginalIMGfile.
87

2.2.14.1. ReturnAddendumARecord(<ReturnAddendumA>C32)
X9.37 ReturnAddendumAElements Max Type Use Validation InvalidAction

Field Size
1 RecordType ReturnAddendumAShall Processingofthisandany
ForreferencetoX9.37Standard[6]only. onlybepresentinareturn subsequentrecordsisterminated.
<ReturnAddendumA> bundle(return TheCEisexcluded.
presentment). Acknowledgementindicates
Shallalwaysfollowa reason.
ReturnRecord,or
ReturnAddendumA
record.

2 <ReturnAddendumARecordNumber> 1 N M Cardinalnumber Itemismarkedasanexception
representingthecreation andexcludedfromsettlement.
orderofeachAddendum Itemisreturnedtothepresenting
RecordAfortheassociated bankinanAcknowledgement
item. EnvelopewithaReturnReason
itemReturnRecord
BundleControl.

88

Field Size
3 <BOFDRoutingNumber> 9 N C PresentingBankRouting Itemismarkedasanexception
Number.Sameaswas andexcludedfromsettlement.
providedintheoriginal Itemisreturnedtothepresenting
AddendumAField3that bankinanAcknowledgement
correspondstothisreturn EnvelopewithaReturnReason
item. indicatingwhyitwasexcluded.
Shallbeavalidbank Processingcontinuesatthenext
RoutingNumberand itemReturnRecord,
correspondtothatofthe BundleControl.
bundleheader
4 <BOFDBusinessEndorsementDate> 8 N C PresentingBank Itemismarkedasanexception
EndorsementDate.Same andexcludedfromsettlement.
aswasprovidedin Itemisreturnedtothepresenting
AddendumA4 bankinanAcknowledgement
Shallbeavaliddate EnvelopewithaReturnReason
itemReturnRecord,
BundleControl.

89

Field Size
5 <BOFDItemSequenceNumber> 17 NB C PresentingBankSequence Itemismarkedasanexception
Number.Sameaswas andexcludedfromsettlement.
providedinReturnRecord Itemisreturnedtothepresenting
10 bankinanAcknowledgement
itemReturnRecord,
BundleControl.

6 <DepositAccountNumberatBOFD> 13 ANS C DepositAccountNumber. None.
Sameaswasprovidedin
AddendumA6
Documentary

7 <BOFDDepositBranch> 9 ANS C BranchwheretheItemwas None.
deposited.Sameaswas
providedinAddendumA7
Documentary

8 <PayeeName> 15 ANS C PayeeName.Sameaswas None.
providedinAddendumA8
Documentary

90

Field Size
9 <TruncationIndicator> 1 A C Sameaswasprovidedin Itemismarkedasanexception
AddendumA9. andexcludedfromsettlement.
Documentary Itemisreturnedtothepresenting
itemReturnRecord(31),
BundleControl(70).

10 <BOFDConversionIndicator> 1 AN C 2:Originalpaper Itemismarkedasanexception
convertedtoimage.Same andexcludedfromsettlement.
Documentary EnvelopewithaReturnReason
BundleControl(70).

91

Field Size
11 <BOFDCorrectionIndicator> 1 N C SameasinCheckDetail(25) Itemismarkedasanexception
Field14 andexcludedfromsettlement.
BundleControl(70).

12 <UserField> 10 ANS O Discretionary None.

2.2.14.2. ReturnAddendumBRecord(<ReturnAddendumB>C33)
X9.37 ReturnAddendumBElements Max Type Use Validation InvalidAction

Field Size
1 RecordType Shallonlybepresentina Processingofthisandany
ForreferencetoX9.37Standard[6] returnbundle(return subsequentrecordsisterminated.
only. presentment). TheCEisexcluded.
<ReturnAddendumB> Shallonlybeonerecordper Acknowledgementindicates
returnedcheque. reason.
Shallalwaysfollowa
ReturnRecord,or
ReturnAddendumA.

92

Field Size
2 <PayorBankName> 20 A C Documentary None

3A <ECESettlementDate> 6 N M YYMMDD Itemismarkedasanexceptionand
Thevaluecontainedinthe excludedfromsettlement.
originalCheckDetailField2a Itemisreturnedtothepresenting
BundleControl(70).
3B <ECESessionTime> 4 N M hhmm Itemismarkedasanexceptionand
originalCheckDetailField2b Itemisreturnedtothepresenting
BundleControl(70).
93

Field Size
3C <ECESettlementTime> 4 N M hhmm Itemismarkedasanexceptionand
originalCheckDetailField2c Itemisreturnedtothepresenting
BundleControl(70).
3D <ECEItemType> 1 A M Shallcontain: Itemismarkedasanexceptionand
N:Normalcheque excludedfromsettlement.
R:Representedcheque Itemisreturnedtothepresenting
Thevaluecontainedinthe bankinanAcknowledgement
originalCheckDetailField2d EnvelopewithaReturnReason
BundleControl(70).
4 <PayorBankItemSequenceNumber> 15 NB C BundleuniqueIdentifier None.
assignedbyPayerBank
Documentary
5 <PayorBankBusinessDate> 8 N C Thebusinessdatethatthe None.
returnwasprocessedbythe
issuingbank.
Documentary
6 <PayorAccountName> 22 ANS C Documentary None.
94

2.2.14.3. ReturnAddendumDRecord(<ReturnAddendumD>C35)
X9.37 ReturnAddendumDElements Max Type Use Validation InvalidAction

Field Size
1 RecordType ReturnAddendumDShall Processingofthisandany
ForreferencetoX9.37Standard[6]only. onlybepresentina subsequentrecordsisterminated.
<ReturnAddendumD> returnbundle(return TheCEisexcluded.
presentment). Acknowledgementindicates
Shallonlybeonerecord reason.
perreturnedcheque.
Shallalwaysfollowan
ReturnRecordrecord,
ReturnAddendumA
recod,or
ReturnAddendumB
record.

95

Field Size
2 <ReturnAddendumDRecordNumber> 2 N M Cardinalnumber Itemismarkedasanexceptionand
representingthecreation excludedfromsettlement.
orderofeach Itemisreturnedtothepresenting
AddendumRecordDfor bankinanAcknowledgement
theassociateditem. EnvelopewithaReturnReason
itemReturnRecord,
BundleControl.

3 <EndorsingBankRoutingNumber> 9 N C Samedataasin Itemismarkedasanexceptionand
AddendumA03 excludedfromsettlement.
ValidBangladesh Itemisreturnedtothepresenting
RoutingNumber bankinanAcknowledgement
itemReturnRecord,
BundleControl.

96

Field Size
4 <EndorsingBankEndorsementDate> 8 N C Samedataasin Itemismarkedasanexceptionand
Validbusinessdate Itemisreturnedtothepresenting
itemReturnRecord,
BundleControl.

5 <EndorsingBankItemSequenceNumber> 17 NB C Identifieratthe Itemismarkedasanexceptionand
presentingbank..Same excludedfromsettlement.
itemReturnRecord,
BundleControl.

97

Field Size
6 <TruncationIndicator> 1 A C Samedataasin Itemismarkedasanexceptionand
ShallcontainY Itemisreturnedtothepresenting
itemReturnRecord,
BundleControl.

7 <EndorsingBankConversionIndicator> 1 AN C Samedataasin Itemismarkedasanexceptionand
itemReturnRecord,
BundleControl.

98

Field Size
8 <EndorsingBankCorrectionIndicator> 1 N C Samedataasin Itemismarkedasanexceptionand
CheckDetailField14 excludedfromsettlement.
itemReturnRecord,
BundleControl.

9 <ReturnReason> 2 AN C Validreturnreason Itemismarkedasanexceptionand
Samedataasin excludedfromsettlement.
ReturnRecordField06 Itemisreturnedtothepresenting
itemReturnRecord,
BundleControl.

10 <UserField> 10 ANS O Discretionary None.

99

2.2.15. SampleOCEFile
<?xml version="1.0" encoding="UTF-8"?>

<ICL xsi:schemaLocation="Aperta.AIDPS.XMLSchema.ICLImport ClearingForward.xsd"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<FileHeader>
<StandardLevel>3</StandardLevel>
<TestFileIndicator>P</TestFileIndicator>
<ImmediateDestRoutingNumber></ImmediateDestRoutingNumber>
<ImmediateOriginRoutingNumber>090000000</ImmediateOriginRoutingNumber>
<FileCreationDate>20090826</FileCreationDate>
<FileCreationTime>1225</FileCreationTime>
<ResendIndicator>N</ResendIndicator>
<ECESettlementDate>20090826</ECESettlementDate>
<ECESessionTime>1659</ECESessionTime>
<ECESettlementTime>1800</ECESettlementTime>
<ECEType>11</ECEType>
<FileIDModifier>1</FileIDModifier>
<CountryCode>BD</CountryCode>
<UserField></UserField>
<OffsetofCertificate>0</OffsetofCertificate>
</FileHeader>
<CashLetter>
<CashLetterHeader>
<CashLetterBusinessDate>20090826</CashLetterBusinessDate>
<CashLetterCreationDate>20090826</CashLetterCreationDate>
<CashLetterCreationTime>1225</CashLetterCreationTime>
<CashLetterRecordTypeIndicator>I</CashLetterRecordTypeIndicator>
<CashLetterDocumentationTypeIndicator>G</CashLetterDocumentationTypeIndicator>
<CashLetterID>12251429</CashLetterID>
<OriginatorContactName>Paper Aidps</OriginatorContactName>
<OriginatorContactPhoneNumber>1236733300</OriginatorContactPhoneNumber>
</CashLetterHeader>
<Bundle>
<BundleHeader>
<CollectionTypeIndicator>11</CollectionTypeIndicator>
<DestRoutingNumber></DestRoutingNumber>
<ECEInstitutionRoutingNumber>090000000</ECEInstitutionRoutingNumber>
<BundleBusinessDate>20090826</BundleBusinessDate>
<BundleCreationDate>20090826</BundleCreationDate>
<BundleID>BUN0000101</BundleID>
<BundleSequenceNumber>1</BundleSequenceNumber>
<CycleNumber>01</CycleNumber>
<ReturnLocationRoutingNumber>090000000</ReturnLocationRoutingNumber>
</BundleHeader>
<Item>
<CheckDetail>
<ECESettlementDate>20090826</ECESettlementDate>
<ECESessionTime>1659</ECESessionTime>
<ECESettlementTime>1800</ECESettlementTime>
<ECEItemType>N</ECEItemType>
<ExternalProcessingCode></ExternalProcessingCode>
<IssuingBranchRoutingNumber>025060283</IssuingBranchRoutingNumber>
<AccountNumber>0000000003513</AccountNumber>
<ChequeSequenceNumber>0406806</ChequeSequenceNumber>
<ItemAmount>000005389652</ItemAmount>
100
<ECEInstitutionItemSeqNumber>10000057</ECEInstitutionItemSeqNumber>
<DocumentationTypeIndicator>G</DocumentationTypeIndicator>
<ReturnAcceptanceIndicator>7</ReturnAcceptanceIndicator>
<MICRValidIndicator>1</MICRValidIndicator>
<BOFDIndicator>Y</BOFDIndicator>
<CheckDetailRecordAddendumCount>1</CheckDetailRecordAddendumCount>
<CorrectionIndicator>4</CorrectionIndicator>
<RepresentmentIndicator>0<RepresentmentIndicator>
<ArchiveTypeIndicator>B</ArchiveTypeIndicator>
<OffsetofDigitalSignature></OffsetofDigitalSignature>
</CheckDetail>
<AddendumA>
<AddendumARecordNumber>1</AddendumARecordNumber>
<BOFDRoutingNumber></BOFDRoutingNumber>
<BOFDBusinessEndorsementDate>20090826</BOFDBusinessEndorsementDate>
<BOFDItemSequenceNumber>10000057</BOFDItemSequenceNumber>
<DepositAccountNumberatBOFD></DepositAccountNumberatBOFD>
<BOFDDepositBranch></BOFDDepositBranch>
<PayeeName></PayeeName>
<TruncationIndicator>Y</TruncationIndicator>
<BOFDConversionIndicator>2</BOFDConversionIndicator>
<BOFDCorrectionIndicator>4</BOFDCorrectionIndicator>
</AddendumA>
<ImageView>
<ImageViewDetail>
<ImageIndicator>1</ImageIndicator>
<ImageCreatorRoutingNumber></ImageCreatorRoutingNumber>
<ImageCreatorDate>20090826</ImageCreatorDate>
<ImageViewFormatIndicator>0</ImageViewFormatIndicator>
<ImageViewCompressionAlgorithm>0</ImageViewCompressionAlgorithm>
<ImageViewDataSize>1799</ImageViewDataSize>
<ViewSideIndicator>0</ViewSideIndicator>
<ViewDescriptor>0</ViewDescriptor>
<DigitalSignatureIndicator>0</DigitalSignatureIndicator>
<DigitalSignatureMethod>0</DigitalSignatureMethod>
<SecurityKeySize>0</SecurityKeySize>
<StartofProtectedData>0</StartofProtectedData>
<LengthofProtectedData>0</LengthofProtectedData>
<ImageRecreateIndicator>1</ImageRecreateIndicator>
</ImageViewDetail>
<ImageViewData>
<ECEInstitutionRoutingNumber></ECEInstitutionRoutingNumber>
<CycleNumber></CycleNumber>
<ECEInstitutionItemSequenceNumber>10000057</ECEInstitutionItemSequenceNumber>
<SecurityOriginatorName></SecurityOriginatorName>
<SecurityAuthenticatorName></SecurityAuthenticatorName>
<SecurityKeyName></SecurityKeyName>
<ClippingOrigin>0</ClippingOrigin>
<ClippingCoordinateh1>0</ClippingCoordinateh1>
<ClippingCoordinatev1>0</ClippingCoordinatev1>
<LengthofImageReferenceKey>0</LengthofImageReferenceKey>
<ImageReferenceKey></ImageReferenceKey>
<LengthofDigitalSignature>0</LengthofDigitalSignature>
<LengthofImageData>1799</LengthofImageData>
101

<OffsetofImageData>0</OffsetofImageData>
</ImageViewData>
</ImageView>
<ImageView>
<ImageViewDetail>
<ImageIndicator>1</ImageIndicator>
<ImageCreatorRoutingNumber></ImageCreatorRoutingNumber>
<ImageCreatorDate>20090826</ImageCreatorDate>
<ImageViewFormatIndicator>0</ImageViewFormatIndicator>
<ImageViewCompressionAlgorithm>0</ImageViewCompressionAlgorithm>
<ImageViewDataSize>1934</ImageViewDataSize>
<ViewSideIndicator>1</ViewSideIndicator>
<ViewDescriptor>0</ViewDescriptor>
<DigitalSignatureIndicator>0</DigitalSignatureIndicator>
<DigitalSignatureMethod>0</DigitalSignatureMethod>
<SecurityKeySize>0</SecurityKeySize>
<StartofProtectedData>0</StartofProtectedData>
<LengthofProtectedData>0</LengthofProtectedData>
<ImageRecreateIndicator>1</ImageRecreateIndicator>
</ImageViewDetail>
<ImageViewData>
<ECEInstitutionRoutingNumber></ECEInstitutionRoutingNumber>
<CycleNumber></CycleNumber>
<ECEInstitutionItemSequenceNumber>10000057</ECEInstitutionItemSequenceNumber>
<SecurityOriginatorName></SecurityOriginatorName>
<SecurityAuthenticatorName></SecurityAuthenticatorName>
<SecurityKeyName></SecurityKeyName>
<ClippingOrigin>0</ClippingOrigin>
<LengthofImageReferenceKey>0</LengthofImageReferenceKey>
<ImageReferenceKey></ImageReferenceKey>
<LengthofDigitalSignature>0</LengthofDigitalSignature>
<LengthofImageData>1934</LengthofImageData>
<OffsetofImageData>1799</OffsetofImageData>
</ImageViewData>
</ImageView>
</Item>
<BundleControl>
<ItemsWithinBundleCount>1</ItemsWithinBundleCount>
<BundleTotalAmount>000005389652</BundleTotalAmount>
<MICRValidTotalAmount>000005389652</MICRValidTotalAmount>
<ImagesWithinBundleCount>2</ImagesWithinBundleCount>
</BundleControl>
</Bundle>
<CashLetterControl>
<BundleCount>1</BundleCount>
<ItemsWithinCashLetterCount>1</ItemsWithinCashLetterCount>
<CashLetterTotalAmount>00000005389652</CashLetterTotalAmount>
<ImagesWithinCashLetterCount>2</ImagesWithinCashLetterCount>
<ECEInstitutionName>Bangladesh Bank</ECEInstitutionName>
<SettlementDate>20090826</SettlementDate>
102

</CashLetterControl>
</CashLetter>
<FileControl>
<CashLetterCount>1</CashLetterCount>
<TotalRecordCount>12</TotalRecordCount>
<TotalItemCount>1</TotalItemCount>
<FileTotalAmount>0000000005389652</FileTotalAmount>
<ImmediateOriginContactName>Paper Aidps</ImmediateOriginContactName>
<ImmediateOriginContactPhoneNumber>1236733300</ImmediateOriginContactPhoneNumb
er>
</FileControl>
</ICL>
2.3. BACPSImageFile
TheBACPSImageFilecontainstheimageinformationforeachitemintheassociated
OCEorICE.
2.3.1. OCEImageFile
TheOCEImageFilewhencreatedbythepresentingbankcomprisesasequenceof
itemimages,frontandrear.Theimagedataislocatedinthefileusingtheoffsetand
lengthinformationintheImageViewDatarecordoftheitemprocessed.Thefileis
structuredasfollows:
Field Offset Length
Item1frontimage <ImageViewData>:OffsetoImageData <ImageViewData>:LengthofImageData

Item1rearimage <ImageViewData>:OffsetoImageData <ImageViewData>:LengthofImageData

Item2frontimage <ImageViewData>:OffsetoImageData <ImageViewData>:LengthofImageData

Item2rearimage <ImageViewData>:OffsetoImageData <ImageViewData>:LengthofImageData

2.3.2. ICEImageFile
SubsequenttoprocessingbythePBM,theitemdataandimagesmaybedigitally
signedbythePBM.Ifdigitallysigned,theimagefilecontentsareexpandedto
includethedigitalsignatureinformation.
ThedigitalcertificateusedfortheitemisreferencedfromtheEnvelopeFileHeader
Record(FileHeader).
Field Offset Length

Digital <FileHeader><OffsetofCertificate> 4096
Certificate
Item1data <CheckDetail><OffsetofDigitalSignature> 128
Digital
Signature
Item1front <ImageViewData><OffsetofImageData> <ImageViewData>:LengthofImageData
image
103

Field Offset Length
Item1front <ImageViewData><OffsetofDigitalSignature> 128
image
Digital
Signature
Item1rear <ImageViewData><OffsetofImageData> <ImageViewData>:LengthofImageData
image
Item1rear <ImageViewData><OffsetofDigitalSignature> 128
image
Digital
Signature
Item2data <CheckDetail><OffsetofDigitalSignature> 128
Digital
Signature
Item2front <ImageViewData><OffsetofImageData> <ImageViewData>:LengthofImageData
image
Item2front <ImageViewData><OffsetofDigitalSignature> 128
image
Digital
Signature
Item2rear <ImageViewData><OffsetofImageData> <ImageViewData>:LengthofImageData
image
Item2rear <ImageViewData><OffsetofDigitalSignature> 128
image
Digital
Signature
104

3. BACPSFunctionalOverview
3.1. MajorFunctions
3.1.1. General
BACPS will provide for imagebased electronic interchange of clearing items, the
associatedclearingandsettlementofthoseitems,andthelongtermcentralarchive
andretrievalofalltransititemsprocessed,andoftheonusitemsprovidedbytheir
issuingbankssolelyforarchive.
ThesettlementpositionsarrivedatbyBACPSwillbeextractedandprovidedtothe
BACHCoreBankingSystemforaccountmaintenanceattheagreedsettlementtimes
based on the type of clearing being done. In advance of the CBS being available,
equivalentreportsthatreflectthesettlementpositionswillbeprovidedtoallowthe
manualmaintenanceofsettlementaccounts.
ThemajorfunctionsprovidedbyBACPSareasfollows:
Clearing and Settlement related to truncated physical payment instruments
This functionality is provided to satisfy three main business processes: Normal
Clearing; Highvalue Clearing; and, Express Clearing. These processes are are
logicallyandfunctionallysimilarandthatdifferonlyinthetimesassociatedwith
thedifferentstagesofthesettlementsessionforeach.
To simplify the description of the processes and to minimise duplication,
Clearing and Settlement will be described as a generic process applicable to
Normal,Highvalue,andExpresschannels.Subsequently,anyspecificdetailsor
differenceswillbedescribedinchannelspecificsections.
Theclearingandsettlementfunctionprovidesforthefollowingmainprocesses:
o BACPSClearing
ImportandprocessingofOutwardChequeEnvelopes(OCE);and
Distribution of inward items and the associated generation of Inward
ChequeEnvelopes(ICE).
o BACPSReturns
ImportandprocessingofOutwardReturnEnvelopes(ORE);and
Distribution of inward return items and the associated generation of
InwardReturnEnvelopes(IRE).
CentralArchiveandRetrieval
OnusArchive
105

3.1.2. FTPInterface
Theaccompanyingdiagram,Figure1FTPInterfaceOverview,providesasimplified
overviewoftheinterfacebetweentheBACPSandthememberbanks.Theinterfaceis
provided to allow the bidirectional communication of Cheque Envelopes and their
associatedacknowledgementfilesbetweentheBACPSandthememberbanks.

Figure1FTPInterfaceOverview
CEs are interchanged between the BACPS and the member banks via the
FTPGateway using the FTP directories. CEs are normally transferred via the
Gateway using direct communications links; however, should these links be
unavailable, BACPS provides facilities for interfacing via the FTP directories using
removablemediaandmanualprocedures.BACPSalwaysretrievesinformationfrom
member banks from their FTP directories and places information for the member
banksintheirFTPdirectories.
3.2. ClearingandSettlement
3.2.1. Overview
ClearingandSettlementisprovidedbyBACPSsuchthatoneormoreclearing
sessionscanbesupportedduringanygivenbusinessdate.Forsimplicity,the
descriptionofClearingandSettlementisdoneforasingleClearingandSettlement
session;however,multiplesessionsareprovidedforbytheBACPS.
AClearingandSettlementSessioncanbethoughtofashavehavingtwomain
processesandsomecommontasks:
106

BACPSClearing
ProvidesfortheForwardClearingandSettlementofOutwardCheque
Envelopes,asfollows:
o ImportofOutwardChequeEnvelopesfromthepresentingbanks
o ValidationofOCEsandtheircontents
o GenerationofAcknowledgements
o Processingofvaliditems
o DistributionofprocesseditemstotheirissuingbanksanddeliveryofInward
Clearing
o ExtractsandReports
BACPSReturns
ProvidesfortheReturnClearingandSettlementofOutwardReturnCheque
Envelopes,asfollows:
o ImportofOutwardReturnsfromtheissuingbanks
o ValidationofOutwardReturnCEsandtheircontents
o GenerationofAcknowledgements
o Processingofvalidreturns
o Distributionofprocessedreturnstotheiroriginalpresentingbank(Bankof
firstDeposit)anddeliveryofInwardReturns
o ExtractsandReports
CommonTasks
o Settlement
o SettlementReports
107

In the above diagram, Error! Reference source not found., an overview of the
clearingcycleisgiven.Thetimesshownareindicativeandnotintendedtoprecisely
represent the times of the different stages of the clearing cycle, which will be
determinedbyBACHandthenumberofsessionsperbusinessdate,andwhetherthe
sessionisaNormal,Highvalue,orExpresssession.
Themainstagesoftheclearingcycleareasfollows:
o tB Session Start. All OCEs imported by BACPS after this time and before the
sessioncutoffwillbeprocessedforthissession;
o tC SessionCutoff.AllOCEsimportedafterthistimeareallocatedtothe
nextclearingsession
o tE Session End. Session End also corresponds to the settlement cutoff
timeforthespecificsession.Anyreturneditemsforthesessionmustbereceived
bytEinordertoensurethattheirforwardsettlemententryisreversedandthat
theoriginalpresentingbankcanbeinformedofthereturnbeforefundsaremade
available.
o tSNett Settlement. In the period of settlement posting, settlement entries are
placedintheSettlementTableforimportbytheCBSattS.AttS,TheCBSimports
thesettlementpositionsfortheclearingsession,andsettlementiscompleted.
ThecycleisrepresentativeofbothNormalandExpressClearingasbotharelogically
identicalwithonlythetimingofthedifferentstagesbeingdifferent.
108

3.2.2. BACPSClearing
BACPSClearingoccursforNormal,Highvalue,andExpressClearing.
Normal BACPS Clearing sessions will occur at one or more predetermined times
duringabusinessday.BACHwillpublishthenumberofsessionsprovidedandthe
delivery window associated with each. This information will be used by BACPS to
determine forwhichsession anitem istobe processedanditsassociatedtEandtS
timesforreturnsandsettlement.
Highvalue BACPS Clearing is functionally and logically similar to Normal BACPS

Clearing.ThemaindifferencesbetweenHighvalueandNormalClearingareinthe
timeallocatedtoeachclearingsession.
ExpressBACPSClearingisfunctionallyandlogicallysimilartotheabovedescribed
NormalandHighvalueBACPSClearing.ThemaindifferencesbetweenExpressand
the other clearing types is in the time allocated to each clearing session with the
Expressitemsclearingsessionsbeingselfrelativeandrelatingtothetimetheywere
imported by BACPS. Normal and Express items are handled identically with each
havingtheirsessionendtimes,andthereforetheirsettlementcutoffprovidedtothe
presentingbankinthecorrespondingAcknowledgementEnvelope[Error!Reference
source not found.], and to the issuing bank in the Item records sent to the issuing
bankaspartofinwardclearing.
Outward Cheque Envelopes are delivered by the presenting banks to their bank
specific Outward Directory (Normal, Highvalue, or Express) on the FTP Gateway.
The delivery of OCEs is typically done using FTP over communications channels;
however, if circumstances do not permit this, the OCEs may be delivered on
removable media and placed in the banks specific Outward directories using
manual procedures, if required. Bangladesh Bank will detail the use of manual
procedures and any associated impact on clearing sessions that may result in the
ClearinghouseRules.
WhendeliveredtotheFTPGateway,andpriortobeingmadeavailableforBACPS,
theOCEswillhavebeendecryptedandhadanyrequiredviruscheckinganddigital
signaturevalidationperformed.ValidationoftheOCEcontentswillhavebeendone
bythePBM,whichisalogicalextensionoftheBACPSsystem.
The delivery of OCEs can occur throughout the business day with the BACPS
determiningwhichclearingandsettlementsessiontheOCEisallocatedtobasedon
thetimeitisimportedintotheprocessingsystem.Whenthedeliverywindowfora
particular clearing session is closed, the delivery window for the next session is
opened.
109

BACPS Clearing provides for the processing of transit items delivered by the
presenting banks for interchange and payment by their issuing banks. To achieve
this,thefollowingmaintasksareundertaken:
ValidationofOCEsatthePBM
o OCEsthatfailvalidationareacknowledgedwithafailureindication
o OCEs that are successfully validated are further processed to validate their
contentsandprocessthevalidcontaineditems.
Validationofindividualitems
o ItemsthatfailvalidationareexcludedfromsettlementandaremadeReturn
ItemsforreturntotheirpresentingbankintheAcknowledgementEnvelope.
ImportingofOutwardChequeEnvelopes(OCEs)
Process the valid items received, perform the clearing function and derive the
resultingsettlementpositions
Acknowledgement of the CEs and the session to which they were assigned, if
any.
Distribute the items processed to Inward CEs, or Highvalue Inward CEs, for
deliverytotheirspecificissuingbanks.
UpdatetheCBSSettlementdetailswiththeBACPSClearingsettlementpositions
for the specific clearing session. This process may be manual initially based on
reports.
Generationofanyrequiredreports.
3.2.2.1. ImportingofOutwardChequeEnvelopes(OCEs)
OCEsthataresuccessfullyreceivedattheBACPSforaclearingsession,thatisthey
have been decrypted and successfully placed in the Normal (or Express) Outward
Directories,areimportedbyBACPSforvalidationandprocessing.
Once imported, the OCE has its name changed and is moved to its corresponding
Processed directory to acknowledge that it has been imported by BACPS and to
ensurethatitwillnotbeimportedmorethanonce.ProcessedOCEswillberemoved
fromthesystemaspartofthenormalhousekeepingprocedures.
Thedeletionofthebusinessdatecanbedoneanytimeafterprocessingforthatdate
is complete; however, this is typically done about 510 business days after the date
hasbeenprocessedsuccessfully.Theclearinghouseoperationalruleswillspecifythe
actualnumberofbusinessdatesthatshouldberetainedonline.
110

3.2.3. OutwardChequeEnvelopeValidation
3.2.3.1. OCE
The Outward Cheque Envelope(OCE) is generated by the presenting bank. It

encapsulates the outward clearing items for that bank that are to be distributed as
Inward Clearing to the issuing banks for each item, as represented by the Check
Detail Records and their associated addendum records. It also includes the control
recordsagainstwhichthedetailrecordscanbereconciled:FileRecords;CashLetter
Records;andBundleRecords.
ThegeneralstructureoftheOutwardChequeEnvelopeisasfollows:
EnvelopeFileHeaderRecord(MFileHeader)
o CashLetterHeaderRecord(MCashLetterHeader)
BundleHeaderRecord(MBundleHeader)
ForwardChequeDetailRecord(MCheckDetail)
o ChequeDetailAddendumARecord(CAddendumA)
o ChequeDetailAddendumCRecord(CAddendumC)
o ImageViewDetailRecordFront(CImageViewDetail)
o ImageViewDataRecordFront(CImageViewData)
o ImageViewAnalysisRecordFront(CImageViewAnalysis)
o ImageViewDetailRecordRear(CImageViewDetail)
o ImageViewDataRecordRear(CImageViewData)
o ImageViewAnalysisRecordRear(CImageViewAnalysis)
TherecanbemultipleChequeDetailRecords(uptoabout1000is
recommendedbyBACPS)andassociatedaddendumrecordsinabundle.
Thesedetailrecordscanbeforanymemberbankotherthanthe
presentingbank.
BundleControlRecord(MBundleControl)
o CashLetterControlRecord(MCashLetterControl)
EnvelopeFileControlRecord(MFileControl)
AsOCEsareprocessedbythePBM,theyundergovalidation.ValidationoftheOCE
is done to ensure validity and consistency of information and that invalid
informationisnotpromulgatedthroughthepaymentsnetwork.
OCEsthatfailvalidationareexcludedfromclearing.OCEsthathavebeenexcluded
from a clearing session may be represented to the BACPS in accordance with the
ElectronicClearinghouseRules.
111

The reasons for exclusion and the possible representment scenarios are outlined
earlierinthisdocument.
3.2.3.2. GeneralValidation
General validation is done to determine if a record type is mandatory or if a field

withinaspecificrecordtypeismandatory.
Anyrecordtypeorfieldthatisspecifiedasbeingmandatorymustbepresentinthe
CE;inaddition,anysuchfieldorrecordmustcomplywithitsvalidationcriteria.
Any record type or field that is specified as being conditional and is present must
complywithitsvalidationcriteria.
The CE structure and its contents are validated in accordance with the description
given previously[2The Generic BACPS Cheque Envelope File Format]. Validation
will be done to ensure valid Envelope structures and that the individual fields
comply with their specified field and data types. Where additional, specific
validationapplies,thiswillbespecifiedinthefollowingsections.
Anyrecordthatisdetectedthatdoesnotcomplywiththesequencecriteriaspecified
in its validation information will result in the termination of processing of its CE
fromthatpoint.
Anyrecordthatisdetectedwithanunspecifiedtypewillresultintheterminationof
processingofitsCEfromthatpoint.
CEsthathavetheirprocessingterminatedwillbeexcludedfromclearing
3.2.3.2.1. RecordspecificValidation
EachrecordinaChequeEnvelopeisvalidatedinaccordancewiththevalidation
rulesspecifiedinitsrecorddescription.Thevalidationrequiredandtheactiontobe
takenisdescribedinthedetailrecorddescriptions,2TheGenericBACPSCheque
EnvelopeFileFormat.
3.2.4. OCEProcessing
PBMvalidationfailureatthestructuralorcontrollevelwillcausetheoffendingCE
to be excluded from clearing and settlement. Any items that fail validation by the
PBM are marked as exceptions and excluded from the clearing and settlement
session. These items will be returned to their presenting bank as return items in a
returnbundleinanAcknowledgementEnvelope.
When successfully imported by BACPS, the OCE items are processed. OCEs
comprise bundles of transit outward items deposited at the presenting bank for
paymentbytheissuingbank.
112

BACPS processes the outward transit items from the OCE and distributes them to
bankspecific inward bundles for their issuing bank. These inward bundles are
subsequentlyincorporatedintoaCashLetterandencapsulatedinanInwardCheque
Envelope for dispatch to the specific banks Inward Directory on the FTPGateway.
ExpressitemsaredistributedtoInwardExpressBundlesforthespecificbank.
3.2.4.1. ExclusionfromClearing
3.2.4.1.1. ChequeEnvelope
IfaCEisfullyexcludedfromclearing,theOCEacknowledgementwillindicatethe
CE and all of its contents were excluded from clearing and what the reason for
exclusion was. When appropriate, the Acknowledgement Envelope may contain
informationthatindicateswhereintheoffendingEnvelopeprocessingstoppedand
thelastrecordsuccessfullyprocessed.
3.2.4.1.2. CashLetter
If an entire Cash Letter is excluded from clearing, the OCE acknowledgement will
indicatetheCashLetterandallofitscontentswereexcludedfromclearingandwhat
the reason for exclusion was. When appropriate, the Acknowledgement Envelope
may contain information that indicates where in the offending Cash Letter
processingstoppedandthelastrecordsuccessfullyprocessed.
3.2.4.1.3. Bundle
If an entire bundle is excluded from clearing, the OCE acknowledgement will

indicatethebundleandallofitscontentswereexcludedfromclearing.
3.2.5. ItemDistribution
For BACPS Clearing, items are delivered to BACH in heterogeneous bundles with
transititemsforanumberofbanksineachbundle.Oncetheoutwardbundleshave
been processed, the items they contain are extracted and distributed to inward
bundlesaccordingtotheirissuingbank.Forhighvalueprocessing,highvalueitems
are distributed to highvalue bundles for their issuing bank in the highvalue
directory.
Inward bundles have the same general structure as outward bundles; however, an
inwardbundlemustonlycontainchequerecordsforchequesdrawnonthespecific
bank for which the bundle is destined, the issuing bank. Should an inward bundle
containachequeforanotherbank,thiswouldbeinvalidandshouldbedetectedas
such by the issuing bank. This and other invalid conditions relating to inward
bundlesaretobeidentifiedandincorporatedintotheclearinghouserules.
113

3.2.5.1. GenerateInwardChequeEnvelopes(<ICE>)
Inward Bundles are consolidated for each bank and incorporated into Inward
Cheque Envelopes. These Envelopes are delivered to the appropriate FTPGateway
Inwarddirectory(Normal,Highvalue,orExpress)forthespecificbankstoretrieve
fortheirinwardclearingprocess.
3.2.6. ReportingandDataExtraction
3.2.6.1. SettlementTableInterface
Upon the end of each and every Normal or Highvalue Session, BACPS will make
available all data elements (with the exception of images) for further processing
(ExpressClearingmaybeincludedasafutureoption).Oneofthemainusesofthis
data would betomake available in CSVformatafilecontainingthe net settlement
totalsforallthebanksforeachclearingsession.ThefiletobemadeavailabletoCBS
willbeintheformatasmentionedbelow.
Field MaxSize Type Use Contents
BankIdentifier 9 N M BankCode
BankName 30 AN M BankName
BankAccount 13 N M Thiswillbeheldinadatabase
Number alongwithandthenametobe
usedinthenarratives.
Settlement 12 N M YYYYMMDDhhmm
Date/Time
Narrative1 15 AN M TotalDebits
TotalDebits 6 N M 0999999
Narrative2 15 AN M TotalCredits
TotalCredits 6 N M 0999999
Narrative3 15 AN M TotalAmount
TotalAmount 18 N M TotalAmountinPoisha
Debit/Credit 1 A M DforDebit
Indicator CforCredit
Foreachclearingsession,aseparatefilewillbemadeavailabletotheCBS.
Forexample:
025, Bangladesh Bank, 1234567890123, 200911081201, Total Debits, 123456,

TotalCredits,123456,D,123456789012345678
3.2.7. BACPSReturns
BACPS Returns processing corresponds with the BACPS Clearing session in which
theitemswereoriginallyprocessed.ReturneditemsmustbereceivedbytheBACPS
before the session end time, tE, for the particular session. BACH will publish the
numberofsessionsprovidedandtheprocessingwindowsassociatedwitheach.
114

BACPSReturnsprovidesfortheprocessingofitemsreturnedbytheirissuingbank
as being unpaid for some reason. To achieve this, the following main tasks are
undertaken:
ImportingofReturnChequeEnvelopes(RCEs)
ValidationofRCEs
o RCEs that fail validation are excluded from clearing and settlement and are
acknowledgedwithanAcknowledgementEnvelopeindicatingtheexclusion
reason
Processthevaliditemsreceived,ensuringthattheyhavebeendeliveredpriorto
tE, session end, perform the return clearing function, and derive the resulting
settlementeffects
Validationofindividualitems
o Itemsthatfailvalidationaremarkedasexceptionsandarereturnedtotheir
returning issuing bank as a Return Record with an appropriate Return
Reason. A corresponding acknowledgement is provided for their issuing
bank.
AcknowledgementoftheRCEsandanindicationthattheywerereceivedbefore
tEandsoweresuccessfullyreturned.
Distribute the items processed to Inward Return Bundles for delivery to their
specific,originalpresentingbanks.
Generate Inward Return Cheque Envelopes(ICE) and distribute to the issuing
banks
UpdatetheCBSSettlementTablewiththeBACPSClearingsettlementpositions
forthespecificreturnsession.
Generationofanyrequiredreports.
3.2.7.1. ReturnChequeEnvelope(RCE)
TheReturnChequeEnvelope(RCE)isgeneratedbytheissuingbank.Ithasthesame
fundamentalstructureandformatastheOCE;however,theRCEcontainsonly
returncheques,whichareonuschequesthattheissuingbankisreturningasunpaid
totheiroriginalpresentingbanks.
ThegeneralstructureoftheReturnChequeEnvelopeisasfollows:
EnvelopeHeaderRecord(MFileHeader)
o CashLetterHeaderRecord(MCashLetterHeader)
BundleHeaderRecord(MBundleHeader)
ReturnRecord(MReturnRecord)
o ReturnAddendumARecord(C
ReturnAddendumAReturnAddendumA)
115

o ReturnAddendumBRecord(C
ReturnAddendumB)
o ReturnAddendumDRecord(C
ReturnAddendumD)
TherecanbemultipleReturns(uptoabout1000is
suggested)andassociatedrecordsinabundle.These
chequescanbeforanymemberbankotherthanthe
presenting(issuing)bank.
BundleControlRecord(MBundleControl)
o CashLetterControlRecord(MCashLetterControl)
EnvelopeControlRecord(MFileControl)
3.2.7.2. ReturnAcknowledgement
When a Return Cheque Envelope is completely processed an acknowledgement is

senttoitspresentingbank.Thismaybeapositiveacknowledgementindicatingthat
the RCE was accepted for, and included in clearing and settlement, or a negative
acknowledgementindicatingthattherewasaproblemencounteredinprocessingthe
RCE and that it has been excluded from the clearing and settlement session. For
example:ifthereturnwasdelayedbeyondthesessionendforthespecificsession.
Acknowledgement is done using an Acknowledgement Envelope(AE). The

Acknowledgement Envelope for an RCE is fundamentally the same as that for an
OCE,see4EnvelopeAcknowledgementfordetails.
3.2.8. InwardClearing
3.2.8.1. InwardChequeEnvelope
TheInwardChequeEnvelopeisgeneratedbyBACPS.Ithasthesamestructureand
format as the Outward Return Cheque Envelope; however, the Inward Cheque
Envelope is issuing bankspecific and only contains Cheque Detail Records for
chequesfortheissuingbank.
3.2.8.2. InwardReturnChequeEnvelope
The Inward Return Cheque Envelope is generated by BACPS. It has the same
structureandformatastheOutwardReturnChequeEnvelope;however,theInward
Return Cheque Envelope is presenting bankspecific and only contains Cheque
DetailRecordsforthebankthatoriginallypresentedtheitemsbeingreturned.
4. EnvelopeAcknowledgement
WhenanEnvelopeiscompletelyprocessed,anAcknowledgementEnvelopeissenttoits
presenting bank via the appropriate Acknowledgement Directory. This may be a
positive acknowledgement indicating that the OCE was accepted and included in
116

clearing and settlement, or a negative acknowledgement indicating that there was a
problemencounteredinprocessingtheOCEandthatithasbeenexcluded,inpartorin
whole,fromtheclearingandsettlementsession.
Acknowledgement is done using an Acknowledgement Envelope(AE). An

AcknowledgementEnvelopeisanXMLfilecomprisinganumberofelements,whichare
describedinthefollowingsections.
If an exception is detected, and depending on the nature of that exception, additional

elementsmaybepresentthatwillassistthememberbankinidentifyingthecauseofthe
exception or exceptions. The Acknowledgement Status determines the conditional
elementsthatmaybepresent.
There can be multiple Rejected Items as determined by the number of exceptions

encountered. If the number of exception items exceeds the exception threshold, as
specifiedintheClearinghouseRules,theOutwardClearingEnvelopemaybeexcluded
initsentirety.
The Acknowledgement Envelope contains information related to the outcome of

processing the presented Cheque Envelope (Forward, Return, or Archiveonly) and its
contentsareasdescribedinthefollowingsections.
In the following tables, the main XML element is shown in bold text and enclosed in
chevron brackets: for example, <Acknowledgement>, in the Elements column. Sub
elementsalsohavetheirnameinboldandenclosedinchevronbrackets.However,they
alsohavealeadingbullet,forexample:<SubElement>.
4.1. XMLHeader
Thedocumenttypedeclarationmustappearbeforethefirstelementinthedocument.
Forexample:<?xmlversion=1.0encoding=UTF8?>
4.1.1. PositiveAcknowledgement
A positive acknowledgement is returned for all OCEs that are fully accepted for
processing.
ThePositiveAcknowledgementisasfollows.
XMLElement Description
<Acknowledgement> This is the opening element of the Acknowledgement File. The
closingtagforthiselementwillbeattheendofthefile.
Thiselementshallonlyoccuronceperfile.
<Status> ShallcontaintheStatusCode0forapositiveacknowledgement.
<Description> Shallcontainthetextokforapositiveacknowledgement.
117

<Totals> Indicatesthetotalsfortheenvelope
<Presented> Thetotalsaspresented
<ItemCount> Thenumberofitemspresented
<TotalAmount> Thetotalamount,inpoisha,oftheitemspresented
<Accepted> Thetotalsasaccepted
<ItemCount> Thenumberofitemsaccepted.Forapositiveacknowledgementthis
shallbethesameasthenumberofitemspresented,
<TotalAmount> The total amount, in poisha, of the items accepted. For a positive
acknowledgementthisshallbethesameasthetotalamountofitems
presented,
<SettlementDate> ThesettlementdateYYYYMMDD
<SettlementTime> Thesettlementtimehhmm
Example
<Acknowledgement>
<Status>0</Status>
<Description>ok</Description>
<Totals>
<Presented>
<ItemCount>3</ItemCount>
<TotalAmount>30000</TotalAmount>
</Presented>
<Accepted>
</Accepted>
</Totals>
<SettlementTime>0959</SettlementTime>
</Acknowledgement>
4.1.2. NegativeAcknowledgement
Anegativeacknowledgementisreturnedfor allOCEsthataredelinquentinpartorin
wholeandarenotfullyacceptedforprocessing.
118

<Acknowledgement>ThisistheopeningelementoftheAcknowledgementFile.Theclosing
tagforthiselementwillbeattheendofthefile.
<TotalAmount> Thetotalamount,inpoisha,oftheitemsaccepted.Forapositive
acknowledgementthisshallbethesameasthetotalamountofitems
presented,
<RejectedItems> Thiselementisincludedintheacknowledgementfileifthereare
itemsthathavebeenrejected
<Items> Therejecteditemsfollowthiselement
<seqnum> Identifiesaspecificitemthatisrejected
<amount> Theamountoftherejecteditem
<reason> Thereasontheitemwasrejected
AnOCEmayberejectedinpart;thatis,rejectedwithexceptions:or,mayberejected
completely.
4.1.2.1. RejectedinPart
TheNegativeAcknowledgementisasfollows.
ExampleAcceptedwithExceptions
<Acknowledgement>
<Status>23</Status>
<Description>Acceptedwithexceptions</Description>
<Totals>
<Presented>
119

</Presented>
<Accepted>
</Accepted>
</Totals>
<RejectedItems>
<Items>
<seqnum>30000019</seqnum>
<amount>10000</amount>
<reason>DuplicatePresentment</reason>
</Items>
</RejectedItems>
</Acknowledgement>
4.1.2.2. RejectedinPart
TheNegativeAcknowledgementisasfollows.
<Acknowledgement> This is the opening element of the Acknowledgement File. The
closingtagforthiselementwillbeattheendofthefile.
<TotalAmount> The total amount, in poisha, of the items accepted. For a positive
acknowledgement this shall be the same as the total amount of
itemspresented,
120

<RejectedItems> This element is included in the acknowledgement file if there are
itemsthathavebeenrejected
<Items> Therejecteditemsfollowthiselement
<seqnum> Identifiesaspecificitemthatisrejected
<amount> Theamountoftherejecteditem
<reason> Thereasontheitemwasrejected
ExampleRejectedCompletely
<Acknowledgement>
<Status>2</Status>
<Description>Toomanyitemerrors</Description>
<Totals>
<Presented>
</Presented>
<Accepted>
</Accepted>
</Totals>
<RejectedItems>
<Items>
</Items>
<Items>
</Items>
<Items>
</Items>
</RejectedItems>
</Acknowledgement>
121

122

5. OnUsArchiving
5.1. ArchiveChequeEnvelope
The Archive Cheque Envelope is generated by the member banks. It has the same
structure and format as the Outward Cheque Envelope; however, the Archive
Cheque Envelope is presenting bankspecific and only contains Cheque Detail
Recordsforchequesissuedbythepresentingbank,onuscheques.
The items presented in an Onus Cheque Envelope are intended solely for archive
andwillnotcontributeinanywaytotheclearingandsettlementprocess.
5.2. ArchiveAcknowledgement
WhenanArchiveChequeEnvelopeiscompletelyprocessedanacknowledgementis
senttoitspresentingbank.Thismaybeapositiveacknowledgementindicatingthat
the ACE was accepted for archive, or a negative acknowledgement indicating that
therewasaproblemencounteredinprocessingtheACEandthatithasbeenwholly,
orpartly,excludedfrombeingarchived.
Acknowledgement is done using an Acknowledgement Envelope (AE). The

Acknowledgement Envelope for an ACE is fundamentally the same as that for an
OCE,seeError!Referencesourcenotfound.fordetails.
123

6. Archive
Allitemsprocessedonbehalfofmemberbankswillbesentforlongtermstorageat
theCentralArchiveofBACHwhichisprovidedbyActiveImageArchive(AIA).
Items stored in AIA, are only accessible by the member bank that processed those
items and sent them to BACPS. These may be items sent as outward clearing in
OCEs,returnitemssentinRCEs,orarchiveonlyitemssentbytheirissuingbankin
ACEs.
BACHwillhaveaccesstoallitemsintheCentralArchive.
6.1. ArchiveStorageandRetrieval
Theinformationtobestoredinthelongtermarchiveisasfollows:
BusinessDate
SessionTime
SettlementTime
Normal,ExpressorHighValue
ForwardorReturn
PresentingbankCashLetterID
PresentingbankBundleID
PresentingBankRoutingNumber
PresentingBankItemReference
NormalorRepresented
IssuingBankRoutingNumber
IssuingBankAccountNumber
ChequeSerialNumber
ChequeAmount
ReturnReason
Item Images (Front and Rear) and any associated digital signature
information.
The following table summarises the source fields from the ECE for the data to be
heldinthearchive.
ArchiveField SourceRecordType SourceFieldId
BusinessDate SystemIdentified
SessionTime CheckDetailM25 2A
124

ArchiveField SourceRecordType SourceFieldId
SettlementTime CheckDetailM25 2C
Normal,ExpressorHighValue; FileHeaderM01 9D
ForwardorReturn
PresentingbankCashLetterID CashLetterHeaderM10 10
PresentingbankBundleID BundleHeaderM20 7
PresentingBankRoutingNumber BundleHeaderM20 4
PresentingBankItemReference CheckDetailM25 8
NormalorRepresented CheckDetailM25 2D
IssuingBankRoutingNumber CheckDetailM25 4&5
IssuingBankAccountNumber CheckDetailM25 6A
ChequeSerialNumber CheckDetailM25 6B
ChequeAmount CheckDetailM25 7
ReturnReason ReturnRecordM31 6
6.2. Storage
Thestoredinformationusedaskeyindexinformationforoptimalretrievalisas
follows:
BusinessDate
PresentingbankBundleID
PresentingBankRoutingNumber
PresentingBankItemReference
IssuingBankRoutingNumber
IssuingBankAccountNumber
ChequeSerialNumber
ChequeAmount
ReturnReason
6.3. Retrieval
Retrievalofarchivedinformationcanbedonebysuitablyauthorisedoperatorsusing
workstations attached directly to the AIA network or by remote workstations with
appropriate authority and operator authorisation to access the archive using
standard browsers via the BACH intranet, or via the Internet with BACH
authorisationandvalidation.
125

7. FileNaming
BACPSwillusethefilenametodistinguishbetweenfilesintendedfordifferent
purposes.Theoriginalfilenamewillbeusedtonameitscorresponding
AcknowledgementFile.
Thefilenamingconventionisasfollows:
AnOCEfilepresentedtothePBMincludestheXMLdatafileandtheassociated
imagefile;forexample:
OCEaaaaaa.xml(aaaaaarepresentsthenameselectedbythepresentingbank)
OCEaaaaaa.img
OCEPAPW130R9003D20090722T094549.xml
OCEPAPW130R9003D20090722T094549.img
AnICEreceivedfromthePBMincludestheXMLdatafileandtheassociatedimage
file;forexample:
ICEaaaaaa.xml(aaaaaarepresentsthenameselectedbythepresentingbank)
ICEaaaaaa.img
ICEPAPW130R9003D20090722T094549.xml
ICEPAPW130R9003D20090722T094549.img
AninwardreturnfilefromthePBM:
IREaaaaaaaaUNP.XMP
(aaaaaarepresentsthenameselectedbythepresentingbank)
IREPAPW140R9003D20090722T094549UNP.xml
126

8. ReturnReasons
ThereturnreasonsprovidedbyBangladeshBankareasfollows:
Representable(R)
Code Reason Nonrepresentable(N)
01 Insufficientfund R
02 Amountinfigureandworddiffers N
03 StaleCheque N
04. Postdatedcheque R
05 Drawerssignaturediffers N
06 Paymentstoppedbydrawer N
07 Itemrepresentedtoooften N
08 Incompleteormissingendorsement R
09 Forgedendorsement N
10 Materialalterationpayeename N
11 Materialalterationamount N
12 Materialalterationdate N
13 Materialalterationmultiplefields N
14 Forgedorunauthorizedsignature N
15 Missingsignature R
16 Missingcorporatestamp R
17 Incorrectamount R
18 Itemsenttothewrongbank R
19 Imagedoesnotmeetusabilitystandards R
20 Piggybackimage R
21 IQAfailure R
22 Accountunavailable(closed,frozen,invalidetc) N
23 Presentwiththephysicaldocument R
24 Itemmissingadvice R
25 Duplicateitempreviouslypaid N
26 IncorrectPayee N
27 Highvalueitempresentedtoanineligiblebranch N
127

9. AcknowledgementItemStatusValues
ThecurrentlyanticipatedAcknowledgementItemStatusValuesthatarereturnedtothe
presentingbankinanAcknowledgementReturnRecordareasfollows:
01. InvalidRecordSequence
02. InvalidRoutingCode
03. InvalidTransactionCode
04. InvalidItemType
05. InvalidAmount
06. InvalidSequenceNumber
07. InvalidDocumentationTypeIndicator
08. InvalidReturnAcceptanceIndicator
09. InvalidMICRValidIndicator
10. InvalidPresentingBankIndicator
11. InconsistentAddendumCount
12. InvalidMICRCorrectionIndicator
13. InvalidArchiveType
14. InvalidAddendumSequence
15. InvalidEndorsementDate
16. InvalidTruncationIndicator
17. InvalidAddendumARecord
18. InvalidAddendumCRecord
19. InvalidImageViewDetail
20. InvalidImageViewData
21. InvalidImageViewAnalysis
22. MissingImage
23. Itemreturnedafteritssettlementtime
24. 99Reservedforfutureuse
128

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FunctionalSpecification:

4. EnvelopeAcknowledgement ............................................................................................... 116

5. OnUsArchiving .................................................................................................................... 123

6. Archive ..................................................................................................................................... 124

7. FileNaming ............................................................................................................................. 126

8. ReturnReasons ....................................................................................................................... 127

9. AcknowledgementItemStatusValues .............................................................................. 128

ForandonBehalfof NameandPosition Date Signed

Rev Section Type Date Author Remarks

Reference DocumentTitle Version

BACPS Processing of financial instruments at the BACH is based on the member

Normal Clearing, Highvalue clearing, and Express Clearing are functionally

A Cheque Envelope is an electronic file that complies with the specification

Type Description DataFillandJustification

X9.37Field FileHeaderElements Max Type Use ContentsandValidation InvalidAction

2.2.10.2. EnvelopeFileControlRecord(<FileControl> M X9.3799)

X9.37 CashLetterHeaderElements Max Type Use ContentandValidation InvalidAction

X9.37Field CashLetterControlElements Max Type Use Validation InvalidAction

X9.37 AddendumAElements Max Type Use ContentandValidation InvalidAction

X9.37 AddendumCElements Max Type Use Validation InvalidAction

X9.37 ImageViewDetailElements Max Typ Us ContentandValidation InvalidAction

X9.37 ImageViewDataElements Max Type Use Contentand InvalidAction

X9.37 ImageViewAnalysisElements Max Type Use ContentandValidation InvalidAction

X9.37 ReturnRecordElements Max Type Use ContentandValidation InvalidAction

X9.37 ReturnAddendumAElements Max Type Use Validation InvalidAction

X9.37 ReturnAddendumBElements Max Type Use Validation InvalidAction

X9.37 ReturnAddendumDElements Max Type Use Validation InvalidAction

<?xml version="1.0" encoding="UTF-8"?>

Field Offset Length

Highvalue BACPS Clearing is functionally and logically similar to Normal BACPS

The Outward Cheque Envelope(OCE) is generated by the presenting bank. It

General validation is done to determine if a record type is mandatory or if a field

If an entire bundle is excluded from clearing, the OCE acknowledgement will

025, Bangladesh Bank, 1234567890123, 200911081201, Total Debits, 123456,

When a Return Cheque Envelope is completely processed an acknowledgement is

Acknowledgement is done using an Acknowledgement Envelope(AE). The

Acknowledgement is done using an Acknowledgement Envelope(AE). An

If an exception is detected, and depending on the nature of that exception, additional

There can be multiple Rejected Items as determined by the number of exceptions

The Acknowledgement Envelope contains information related to the outcome of

Acknowledgement is done using an Acknowledgement Envelope (AE). The

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