X9.37 Consulting Services


X9.37 DSTU-2003 Consulting Services, Image Archive, Image Exchange, Image Retrieval, convert x9 to xml or text

X9.37 Tools

X9.37 Open Source.

Sample X9.37 File

X9.37 Record Types

X9.37 References

Buy this domain name (NormBoGraham@yahoo.com)
X9.37 Consulting Services

Professionals available:   X9.37 image cash letter professionals are available for consulting.



What is X9.37?    The X9.37 format defines the file format that the banks use to exchange images of checks (or in the case of returns, reasons why issuing banks refuse to honor checks).  Basically an X9.37 file is a heap of records (variable length).   While each record has a type, but there is a twist, the type doesn't completely define the definition of the record, some records also get their definition from other parts of the record data. (Technically, this is a bad design because it mixes interface and implementation, and is discouraged today, but this format is derived from historical formats).


Since each type of record is variable length, each record is prefixed by a four byte size (big endian).


All records are EBCDIC text, with the exception of some portions of the image record, which will contain a single page TIFF 6.0 file (Little Endian).  (The x9.37 DSTU -2003 does describe other formats, but they are no longer acceptable.).  A check contains two images, an image of the front of the check, and an image of the back of the check.  Historical standards were different, so, old check images may not follow current standards.


Norman Graham:
  Norm was the second C++ multithreaded Unix programmer hired for an imaging clearing house (Missed being the first hired c++ programmer by days). He was originally a contractor, but they converted him to an employee almost immediately. The company had originally farmed out alot of the work, and had gotten some very green C programmers, who made so many bugs in the code that it was difficult to determine which ones were causing the problems. After fixing the bugs and getting the desired behavior, other ehancements to the system were made. The primarily application consisted of more then six multithreaded applications, which Norman coded and maintained. He programmed the Federal Reserve Bank code from scratch. Finally, after several years, all development (and soon support), moved to IBM-India, whom let all the technical staff go, and hired H1b, and L1 Visa replacements for the technical staff (Isn't this the definition of Visa Fraud?).
  Norman's multithreaded coding skills made the company a huge success, and they grew to employ millions in salaries and mindnumbing numbers for annual hardware expenses (which is what he was hired to do). Unfortunately, this also made them ripe for offshoring, because the savings were too great. Also Norman's clean and easy to read programming style makes his code easier to offshore.
  Norman has also programmed the CompuScriber application (featured in Business Week), and also programmed for the following impressive clients and or projects either as an employee or a consultant: NYSE, Pharmacies, Nuclear Medicine, Automated Pharmaceutical Services, Viewpointe Archive, JPM, EzPass, NavyCash, Credit Suisse, Bear Stearns, AT&T (Shannon Labs), Bell Labs, ABB (subcontractor enhancements for electrical grid software), First Data, etc.
  In addition to C/C++ programming Norman has also managed teams, and often been a project lead. Sometimes he has lead offshore teams. While in college, Norman programmed an antivirus fix for the Stoned virus. He's worked on several hardware platforms.
  He also owns a former race truck (lil-dill).


Definitions and explanations.
Cashing a Check When a customer cashes a check at his bank (BOFD: bank of first deposit), his bank pays him. He is presenting his check for payment. The BOFD bank then sends the check to the issuing bank, so, it can get it's money back.  (Forward Presentment).  In the old days, this check would be with a bundle of checks wrapped in a piece of paper (bundle header), which would be secured to the bundle with a rubber band. Then all the bundles for that bank would be put in a box with a "cash letter" which was a summary for the box.  Now these pieces of paper are virtual records in the x9.37 file.
Check 21 Check 21 is the act that defines the picture of the check is as valid as the check.  (Check Clearing for the 21st Century Act)
FED Federal Reserve Banks.
FRB Federal Reserve Banks.  
ICL Image Cash Letter
X9.100-187-2008 This technically is an X9.37 file (same flags in header record), but the spec reduces ambiguities.
X9.37 DSTU-2003

The ANSI standard for check image cash letter exchange.  This is currently accepted by most banks and the Federal Reserve Banks.

X9.37 is the file format agreed upon by the banks and the Federal Reserve Bank (FRB or just FED) to exchange check images.  With the prior passage of Check21, banks no longer need to truck paper checks to the issuing bank, they can now send them a x9.37 format file.  Or they can send the checks (or the images) to the FRB, and the FRB will send the checks (or the images) to the issuing banks.


x9 as defined as a file:  X9.37 format files are often referred to as X9.  X9.37 is actually the ANSI standard, and is available for purchase at the x9.org web site. (Although, FRB Adoption of X9.37 DSTU-2003 is free at the FRB web site, and is almost identical).

X9 as defined as the group:   The X9 Standards Committee on Banking provides "Standardization for Facilitating Banking Operations" as approved by American National Standards Institute (ANSI). 

SLA Service Level Agreements.

An IBM format.

About Us

Norman was a former employee of a huge Image Archive Image Exchange LLC. Norman and coworkers were laid off after building a successful system, and they trained their H1b and L1 visa replacements. .   We all worked years to develop a system that processes almost a million check images an hour, and also processed-archived check images for the FRB banks.    1.5 billion in checks are processed a day thru code written by this group. (17 petabytes of checks are stored in the archive! Update: 3 petabytes were added in the last year, now, this archive is approaching 20 petabytes.). These stats are years old. The system is much larger now.

Norman is NOT CURRENTLY available as a consultant, but he has been designing/coding/testing X9.37 solutions for Image Archive and Retrieval for many years! It's the code that makes check-21 work.
Norman is currently enhancing and supporting international payment processing systems.

Contact Us

Norman can be reached at:       NormBoGraham@yahoo.com

Copyright 2009 - 2016 http://www.x937.com