20071122 - GWC Interface Specifications v.1.3

Cheque Truncation and Conversion System for

Gateway Client Interface Specifications

Version 1.3

22 Nov 2007

Cheque Truncation and Conversion System

Gateway Client Interface Specifications

Version 1.3

22 Nov 2007

STRICTLY CONFIDENTIAL

COPYRIGHT 2007.

BCS INFORMATION SYSTEMS PRIVATE LIMITED

ALL RIGHTS RESERVED

This document, which contains confidential material, is private and confidential and is the property and copyright of Symphony BCSIS Sdn Bhd (“The Company”). It is not to be used for any other purposes, copied, distributed or transmitted in any form or by any means without the prior written consent of the Company.

Cheque Truncation & Conversion SystemGateway Client Interface Specifications For

Bank Negara Malaysia

Strictly Confidential

All R ights Reserved by

Symphony BCSIS Sdn Bhd

Pg i20071122 - GWC Interface Specifications v.1.3.doc

Version 1.2 Release Date: 5-Oct-2007

Document Information

Copyright


Trademark

Symphony BCSIS Sdn Bhd recognizes all registered trademarks.

Notices

This document contains proprietary information, which should not be reproduced in whole or in part, nor released to third parties nor used for purposes other than those for which it has been expressly provided without the prior written agreement of Symphony BCSIS Sdn Bhd.

Symphony BCSIS Sdn Bhd has attempted to ensure that the information in this document is correct and fairly stated, but does not accept liability for any error or omission.

Additional Information

The development of products and services is continuous, and published information may not be up to date. For further information, please contact:


c/o BCS Information Systems (BCSIS) Private Limited Suite 26.01, 26th Floor,

Menara Tun Razak

Jalan Raja Laut 50350 Kuala Lumpur, Malaysia

Tel: (603) 2692 3848

Fax: (603) 2693 0909

Website: http://www.bcsis.com






Pg ii20071122 - GWC Interface Specifications v.1.3.doc


Document Control

Version Date Notes Name

0.1 24 Apr 2007 Disseminated to Banks during Second Banks’ Briefing on

24 April 2007

Arthur Lee

Catherine Tan

Lee Huay Huay

1.0 5 Jul 2007 Included more fields for Standing Instruction trans action types as requested by BNM � Appendix B.2.11 OSCM and B.2.23 ISCM

Lee Huay Huay

SS Bajaj

Catherine Tan

Added file format for OSDM and ISDM

� Appendix B.2.40 OSDM – Outward Standing Instruction (DR) MICR

� Appendix B.2.41 ISDM – Inward Standing Instruction (DR) MICR

Changes to Section 1.3 - Transaction Types

� Modified description of last character in Transaction Type.

� Section 1.3.4: Introduced OBRM and IBRM for Banker’s Acceptance Return Processing.

� Section 1.3.6: Modified acronym for Conversion Cheque from OCCM and ICCM to OKCM and IKCM respectively.

� Section 1.3.6: Introduced OKRM and IKRM for Conversion Cheque Return Processing.

� Section 1.3.7.2: Introduced ODRM and IDRM for Debit Standing Instruction Return Processing.

� Modified Appendix A.2 – Transaction Types to reflect changes.

Inserted Section 2.1 – Digital Signing

Changes to Section 2.2 – Validations

� Inserted more validations performed by GWC in Section 2.2.1.

� Inserted Section 2.2.2 for validations performed by eSPICK Host.

Changes to Section 2.3.1 – Transmission List File � Inserted details.

Changes to Section 3 – System Configuration

� Inserted Section 3.1.3 for GWC Workstation Configuration.

� Modified Section 3.2 on Software to include Section 3.2.1 for Server and Section 3.2.2 for GWC Workstation.

� Moved Section on Procurement to Appendix J.

Changes to Appendix A.1 – Unique Identifier Code � Modified details on Batch Number.

Changes to Appendix A.3 – Transaction Codes � Modified details in table.

Changes to Appendix A.4 – Return Codes






Pg iii20071122 - GWC Interface Specifications v.1.3.doc


Version Date Notes Name � Modified details in table.

Changes to Appendix A.5 – Non-Conformance Flag

� Modified details in table.

Inserted Appendix A.7 – Document-to-Follow Flag � Included details in table.

Changes to Appendix B.1 – Filename Convention � Modified ‘Batch’ Description in Appendix B.1.1 – Data Filename.

� Included Note; and modified ‘Bank’ Type and ‘Batch’ Description in Appendix B.1.2 – Image Filename.

� Modified ‘Bank’ and ‘Branch’ Type in:

- Appendix B.1.3 – Transmission-List File

- Appendix B.1.4 – Transmission-List Status File

- Appendix B.1.5 – Transfer Status File

- Appendix B.1.6 – Transmission Status File

- Appendix B.1.7 – Start Transfer Indicator

Changes to Appendix B.2 – File Formats � Modified samples in:

- Appendix B.2.1 – Transmission-List File

- Appendix B.2.2 – Transmission-List Status File � Included Bank Type for Issuing Bank and Paying Bank in file

formats for some transaction types. � Removed Appendix B.2.42 - Transaction Type File.

� Modified TC Description Size in Appendix B.2.43 – Transaction Code File.

� Modified Filename and Return Code Description Size in Appendix B.2.44 – Return Code File.

Changes to Appendix D – Reports

� Added Reconciliation Reports

Inserted Appendix E – Workflow Illustration

Changes Appendix B.2.41 – Branch File

� Amended File Format

Inserted Appendices F, G, H and I on � Handling Non-Conforming Cheques � Handling Large-Value Cheques

� Processing of Foreign Cheques � Business Continuity Plan

1.1 24 Aug 2007 Appendix B.2.41 � Branch File modified to include Business Type

SS Bajaj

Appendix B.2.37 & Appendix B.2.38 � Modified File Formats of Outward and Inward End-Of-Day Trailer

Files (Item Count fields extended)

Changed Appendix B.2.22 Catherine Tan






Pg iv20071122 - GWC Interface Specifications v.1.3.doc


Version Date Notes Name � Amended Typo Error in Fields 13, 14 and 15.

1.2 03 Oct 2007 Inserted Section 2.1.3 – Item MICR DS

Inserted Section 2.1.4 – Item Image DS Inserted Section 2.1.5 – Digital Signature Verifica tion

Lee Huay Huay

1.3 22 Nov 2007 Amended Notes for Section B.2.46 – Inward File

Amended Notes for Section B.2.47 – Inward Return Fi le

Lee Huay Huay

Pg 1-1

Cheque Truncation & Conversion System

Gateway Client Interface Specifications For





20071122 - GWC Interface Specifications v.1.3.docVersion 1.2 Release Date: 5-Oct-2007

Table of Contents 1. INTRODUCTION.............................................................................................. 1-1

1.1 Purpose............................................ .............................................................1-1 1.2 System Overview.................................... ......................................................1-1

1.2.1 Description......................................................................................................................... 1-2 1.3 Transaction Types.................................. ......................................................1-5

1.3.1 Normal Cheque ................................................................................................................. 1-6 1.3.2 Return Item........................................................................................................................ 1-6 1.3.3 Re-presentment................................................................................................................. 1-6 1.3.4 Banker’s Acceptance......................................................................................................... 1-7 1.3.5 Express Cheques .............................................................................................................. 1-8 1.3.6 Conversion Cheque........................................................................................................... 1-9 1.3.7 Standing Instructions......................................................................................................... 1-9 1.3.8 Non-Clearing Item ........................................................................................................... 1-10

2. FEATURES...................................................................................................... 2-1

2.1 Digital Signing .................................... ..........................................................2-1 2.1.1 Batch MICR DS ................................................................................................................. 2-1 2.1.2 Batch Image DS ................................................................................................................ 2-1 2.1.3 Item MICR DS ................................................................................................................... 2-2 2.1.4 Batch Image DS ................................................................................................................ 2-2 2.1.5 Digital Signature Verification ............................................................................................. 2-2

2.2 Validations ........................................ ............................................................2-2 2.2.1 GWC.................................................................................................................................. 2-2 2.2.2 eSPICK Host ..................................................................................................................... 2-3

2.3 Mechanism.......................................... ..........................................................2-4 2.3.1 Transmission List File........................................................................................................ 2-5 2.3.2 Transmission List Status File ............................................................................................ 2-5 2.3.3 Transfer Status File ........................................................................................................... 2-6 2.3.4 Transmission Status File ................................................................................................... 2-6 2.3.5 Start Transfer Indicator...................................................................................................... 2-6

3. SYSTEM CONFIGURATION ........................................................................... 3-1

3.1 Recommended Sizing ................................. .................................................3-1 3.1.1 Hardware ........................................................................................................................... 3-1 3.1.2 GWC Server Configuration................................................................................................ 3-2 3.1.3 GWC Workstation Configuration ....................................................................................... 3-2

3.2 Software ........................................... .............................................................3-2 3.2.1 GWC Server ...................................................................................................................... 3-2

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3.2.2 GWC Workstation.............................................................................................................. 3-3

A. STANDARDS AND CONVENTIONS.......................... .................................... A-1

A.1 Unique Identifier Code ............................. ................................................... A-1 A.2 Transaction Types.................................. ..................................................... A-2 A.3 Transaction Codes .................................. .................................................... A-3 A.4 Return Codes....................................... ........................................................ A-4 A.5 Non-Conformance Flag............................... ................................................ A-6 A.6 IQA Flag........................................... ............................................................. A-7 A.7 Document-to-Follow Flag ............................ ............................................... A-7

B. FILE FORMATS....................................... ....................................................... B-1

B.1 Filename Convention ................................ .................................................. B-1 B.2 File Formats ....................................... .......................................................... B-5

C. IMAGE FORMAT ....................................... ..................................................... C-1

C.1 Introduction ....................................... .......................................................... C-1 C.2 Motivation ......................................... ........................................................... C-2 C.3 Organization ....................................... ......................................................... C-2 C.4 CTCS TIFF format................................... ..................................................... C-3

D. REPORTS....................................................................................................... D-1

E. WORKFLOW ILLUSTRATION .............................. ..........................................E-1

E.1 Outward............................................ ............................................................ E-1 E.2 Inward............................................. .............................................................. E-8

F. HANDLING NON-CONFORMING CHEQUES.................... .............................F-1

F.1 File Format of Non-Conforming Items................ ........................................F-1

G. HANDLING LARGE VALUE CHEQUES ....................... ................................. G-1

H. PROCESSING OF FOREIGN CHEQUES ...................................................... H-1

I. BUSINESS CONTINUITY PLAN ........................... ........................................... I-1

J. PROCUREMENT ............................................................................................. J-1

J.1 Costs .............................................. ...............................................................J-1 3.2.3 License and Installation Cost ............................................................................................ J-1 3.2.4 Annual Maintenance Cost ................................................................................................. J-1

J.2 Contacts and Timeline .............................. ...................................................J-1

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1. INTRODUCTION

1.1 PURPOSE

The Gateway Client (GWC) offers a user-friendly and standardized interface to connect the

capturing or inward systems of banks to the Sistem Penjelasan Informasi Cek

Kebangsaan (eSPICK) at Bank Negara Malaysia (BNM) Clearing House. The Gateway

Client provides the required security levels using Public Key Infrastructure (PKI) and

ensures that the data and image files sent to eSPICK adhere to specified formats.

Banks, Development Financial Institutions or designated Service Bureaus participating in

clearing process must obtain a GWC license for each bank per transmission or retrieval

site, from BCS Information Systems Private Limited (BCSIS). These parties will undertake

the responsibility of procurement and installation of required hardware, network

components, PKI devices and system software required to run the Gateway Client

software.

The purpose of the Gateway Client Interface Specifications is to describe to interested

parties how they can interface their systems to eSPICK using the Gateway Client.

The document presents the system overview of CTCS, the recommended hardware sizing

and required system software, and the various interface formats between banks’ systems

and the Gateway Client.

BNM will release updates to this document as and when errors and/or enhancements are

identified by BNM, BCSIS and banks in the course of implementing eSPICK.

1.2 SYSTEM OVERVIEW

This diagram below illustrates how the physical cheque information is converted to

electronic information that flows between entities in eSPICK.

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Presentment(A) Capturing

& Transmission

$

Bank Negara Malaysia Clearing House

(B) CTCS Host&

Central Image Archive

$

Paying Bank

$

Collecting Bank

Outwards(Data + Images)

(D) Download& Verification

Inwards(Data + Images)

Bank’s Host

Outward Returns(Data)

Inward Returns(Data + Images)

(E) Prepare Returns& Transmission

(F) Download& Print IRD (if necessary)

$$

Collect Funds

Collect IRD

(C) RENTAS

Enquiry

Enquiry

Current/Archived Transactions

Current/Archived Transactions

The processes involved are described in the following subsections.

1.2.1 Description

(A) Capturing and Transmission

Collecting banks will capture the MICR information and image of each cheque,

in a recommended batch of a maximum of 200 items, using their own

capturing systems. The bank must endorse a set of numbers, known as the

Unique Identifier Code (UIC), at the back of each cheque. The UIC endorsed

must adhere to the format specified in Appendix A.1 of this document.

For clearing with images, the bank must endeavour to update the Non-

Conforming Flag for each item, as well as run them through Image Quality

Assurance to update the IQA flag for each item.

Pg 1-3








After the necessary data corrections and balancing, the bank must digitally

sign individual cheques’ data and image on item level and store the digital

signatures in the data record.

The bank must create a transmission-list file that contains the list of files that

are to be transmitted to the eSPICK and place this file, as well as the stated

data and image files, in a predefined shared folder for the Gateway Client to

pick up and send to the eSPICK Host.

Data files will consist of MICR information and other clearing data, e.g.,

Presenting Bank Branch, Clearing Date, UIC, etc. Each item’s image file will

consist of three views, i.e., grayscale image of the front of the cheque and bi-

tonal images of the front and back of the cheque, wrapped into a single image

file. For example, one batch of 200 items should yield one data file and 200

image files. The data and image files must adhere to the formats specified in

Appendix B of this document.

The Gateway Client will pick up the data and image files from the predefined

shared folder, perform validation, digitally sign on batch level and perform the

necessary file encryption before transmitting the information to the eSPICK

Host.

At the end of outward processing, collecting bank can request the GWC to

generate and return an outward trailer file that lists all the items passed to

GWC for transmission to eSPICK from the bank’s internal system. This can

be used for reconciliation.

(B) eSPICK Host and Central Image Archive

The Gateway Client establishes a session with eSPICK Host and after

successful validation of the session information, the eSPICK Host allows the

Gateway Client to send the data and image files over. The eSPICK Host

performs the necessary validations on certain fields in the data files and

returns an eight-digit code. If there is no error, the eight-digit code is a string

of zeroes, i.e., ‘00000000’, otherwise, the first four-digit code specifies the

nature of the error and the subsequent four-digit code specifies the position of

Pg 1-4








the item with error. For example, if the 50th item in the batch belongs to a

branch which has been changed to an inactive status, the error returned by

the eSPICK Host to the GWC should be ‘06790050’. The list of available error

codes can be downloaded from eSPICK Host using the GWC.

After successful validations, the Host accepts the transmitted information and

prepares the inward files to the paying banks on the fly. At the end of the day,

the eSPICK Host generates a trailer record indicating the total number of

items meant for the paying bank/branch to download. This trailer record is to

be downloaded to assist the paying bank in reconciliation.

The eSPICK Host stores the current day’s clearing information into the Central

Image Archive.

(C) RENTAS

The eSPICK Host prepares the settlement figures in a file and sends it to the

RENTAS for settlement.

(D) Download and Verification

Paying banks will download their inward clearing information using the

Gateway Client. This can be performed throughout the day. The bank will

also download the end-of-day inward trailer file and match with the

downloaded figures to ensure that all files have been downloaded successfully.

In addition to Inward MICR data and image files, the GWC prepares the

consolidated inward file.

The Gateway Client allows the bank to utilize the downloaded inward

information for internal processing, i.e. uploading to the host or signature

verification system.

(E) Prepare Returns and Transmission

If there are any items to be returned, the Paying bank will prepare these

returns in a specified file format. Similar to (A) Capturing and Transmission,

the bank must create a transmission-list file that contains the list of files that

Pg 1-5








are to be transmitted to the eSPICK and place this file, as well as the stated

return file(s), in a predefined shared folder for the Gateway Client to pick up

and send to the eSPICK Host.

The Gateway Client will pick up the data files from the predefined shared

folder, perform validation, digitally sign on batch level and perform the

necessary file encryption before transmitting the information to the eSPICK

Host.

(F) Download and Print IRD

Presenting banks will download their inward return information using the

Gateway Client. The bank will also download the end-of-day inward return

trailer file and match with the downloaded figures to ensure that all files have

been downloaded successfully.

In addition to Inward MICR data and image files, the GWC prepares the

consolidated inward return file.

The Gateway Client allows the bank to utilize the downloaded inward return

information for internal processing, i.e. reversing the accounting entry in the

host or printing the necessary Image Return Document (IRD).

1.3 TRANSACTION TYPES

The eSPICK Host is designed to handle many different transaction types. Transaction

types are categorised by a specific clearing type and a specific clearing leg, for example,

Outward and Inward Normal Cheque, Outward and Inward Banker’s Acceptance, Outward

Conversion Cheque, Outward Return Credit Standing Instructions, Outward

Acknowledgment for Express Cheque, outward non-clearing item, data files, etc.

The naming convention for transaction type is a four-character code with:

� First character, ‘O’ or ‘I’ - denotes outward or inward transaction.

� Second and third characters denote the actual transaction, e.g. ‘NR’ denotes normal

return and ‘RE’ denotes re-presentment item etc.

� Last character, ‘M’, ‘I’, ‘A’ or ‘R’ – denotes MICR, Image, Acknowledgement or Reason

transaction.

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The available clearing types are described in the following subsections. Please refer to the

Appendix for the full list of the transaction types.

1.3.1 Normal Cheque

This is the most common clearing item. Collecting banks must capture the MICR

data and the image of the cheques to transmit to the eSPICK Host for clearing.

1.3.2 Return Item

The paying bank is required to send only key information for returns, e.g. UIC,

Amount, Return Code, etc. Only data file is to be sent to the eSPICK Host, i.e.

image files are not required.

The eSPICK Host matches the UIC against the Amount and if it is correct, retrieves

the image from its database to prepare the inward return file for the collecting bank

to download.

The collecting bank downloads inward return data and image files from the CTCS.

1.3.3 Re-presentment

Only selected items that were previously returned can be re-presented. Please

refer to Appendix A.4 for the return codes that can be re-presented.

The IRD must be re-presented at any branch of the original collecting bank. The

collecting bank supplies the UIC and the Amount (for matching purpose) to the

eSPICK Host for re-presentment.

The following table and diagram provide information of this transaction in more

details. The 2-digit code in brackets after the transaction type denotes the cheque

type in the UIC, e.g. ‘OWNM’ denotes transaction type and ‘01’ denotes the

cheque type that the bank must include in the UIC.

Outward Transaction Type Inward Transaction Type Processing Day MICR Image MICR Image

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Outward Transaction Type Inward Transaction Type Processing

Day MICR Image MICR Image

T OWNM (01) Yes IWNM Yes

T + 1 ONRM (11) No INRM Yes

T + 2 *OREM (21) No *IREM Yes

T + 3 *ONRM (11) No *INRM Yes

1.3.4 Banker’s Acceptance

The collecting bank must capture the MICR data and the image of Banker’s

Acceptance items to transmit to the eSPICK Host for clearing.

The data files of Banker’s Acceptance items shall include a ‘Document-to-Follow’

flag to indicate to the paying bank if there are any additional documents that the

collecting bank will fax to the paying bank for inward processing.



T OBAM (04) Yes IBAM Yes

T + 1 OBRM (14) No IBRM Yes

*INRM

OWNM

Bank A Bank B eSPICK

Host

IWNM

ONRM INRM

*OREM *IREM

*ONRM

OBAM


Host

IBAM

IBRM OBRM

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1.3.5 Express Cheques

The collecting bank must capture the MICR data and the image of these items to

transmit to the eSPICK Host for clearing. The collecting bank will inform the

paying bank through a telephone call to download the inward express items for

immediate verification. The express item is regarded as a priority item in eSPICK

clearing.

The paying bank verifies the authenticity of the express cheque and informs the

collecting bank of its decision on whether the cheque is honoured through an

acknowledgement sent to the eSPICK Host via the GWC. If the paying bank

honours the cheque, the bank shall respond with a positive acknowledgement.

Conversely, if the paying bank does not honour the cheque, the bank shall respond

with a negative acknowledgement.

The collecting bank has the option of capturing items for immediate clearing by

specifying them as Express or STP Express transaction type. The only difference

between the two is that the STP Express items will be settled outside the eSPICK

Clearing via the paying bank initiating a STP transaction through the RENTAS MC

system upon receiving the positive acknowledgement. For Express items, the

eSPICK Host will consider the transaction for deferred settlement to RENTAS only

when the positive acknowledgement is detected for the transaction.



T OXCM (02) Yes IXCM Yes

T OXCA (12) No IXCA No



T OSXM (03) Yes ISXM Yes

T OSXA (13) No ISXA No

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1.3.6 Conversion Cheque

Participating entities, such as billers, may choose to convert their normal cheques

to conversion cheques. In this case, only data information is to be sent to the

eSPICK Host, i.e., image file is not required.


T OKCM (05) No IKCM No

T + 1 OKRM (15) No IKRM No

1.3.7 Standing Instructions

The eSPICK Host allows banks to transmit standing instructions. Standing

instructions can be credit or debit.

The data file is different as it includes additional fields such as beneficiary account,

reference, etc. In this case, only the data file is to be sent to the eSPICK Host, i.e.,

image files are not required.

1.3.7.1 Credit Standing Instruction



T OSCM (06) No ISCM No

T + 1 OCRM (16) No ICRM No

OXCM / OSXM


Host

IXCM / ISXM

OXCA / OSXA IXCA / ISXA

OKCM


Host

IKCM

OKRM IKRM

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1.3.7.2 Debit Standing Instruction


T OSDM (07) No ISDM No

T + 1 ODRM (17) No IDRM No

1.3.8 Non-Clearing Item

An example of a non-clearing item is house cheque. The collecting bank can send

house cheques to the eSPICK Host not for clearing, but for archival in the Central

Image Archive.



T NCHM (99) Yes - -

OSCM


Host

ISCM

OCRM ICRM

OSDM


Host

ISDM

ODRM IDRM

NCHM

Bank A eSPICK

Host

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2. FEATURES The Gateway Client (GWC) offers the following functions.

� Download daily files, e.g. valid FI Type, Bank and Branch files, and obtain current clearing date

from the eSPICK Host

� Accept cheque data and image files from the bank’s internal systems

� Validate and ensure that the files adhere to the predefined format and that files stated in the

transmission-list file are available

� Perform batch-level digital signing and file encryption

� Establish a session to transmit transactions to the eSPICK Host or download transactions from the

eSPICK Host

� Update the batch status to indicate if batch has been transmitted

� Provide downloaded data and image files to the bank’s internal systems

� Allow enquiry of the transactions through browser view

� Generate reports of the transactions in GWC

2.1 DIGITAL SIGNING

2.1.1 Batch MICR DS

1. Concatenate the Item MICR DS (including the space padding) in the same

order the item is in the MICR file from all the items in the batch.

2. Pass this concatenated field to the E-PKI API (provided by PKI vendor) to

obtain the digital signature.

3. Pad the signature with trailing spaces to a length of the corresponding digital

signature field as published in the specifications.

2.1.2 Batch Image DS

1. Concatenate the Item Image DS (including the space padding) in the same

order the item is in the MICR file from all the items in the batch.





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2.1.3 Item MICR DS

1. Concatenate the fields (all fields excluding the MICR DS and Image DS fields)

of an item record in the MICR file in the same order the fields are published in

the specifications.





4. Place this padded signature to the MICR DS field as published in the

specifications.

2.1.4 Batch Image DS

1. Read the entire content of an item’s image file - [UIC].IMG.





4. Place this padded signature to the Image DS field as published in the

specifications.

2.1.5 Digital Signature Verification

1. For MICR signature verification, the original MICR information (which can be

obtained in Section 2.1.3) and the MICR DS in the inward MICR file are

required.

For Image signature verification, the entire image content (which can be

obtained in Section 2.1.4) and the Image DS in the inward MICR file are

required.

2. Pass this information to the E-PKI API (provided by PKI vendor) to obtain the

status of the signature.

2.2 VALIDATIONS

2.2.1 GWC

GWC performs several validations before digitally signing on batch level and

encrypting the files for transmission. They include:

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� Transmission list filename is numeric

� The date in the data file must be the same as the current clearing date

downloaded from the eSPICK Host

� All files (MICR and/or Images) indicated in the transmission list are available in

the specified locations

� Specified transaction type is valid

� The format of the MICR file(s) is according to the respective transaction type’s

file format

� MICR file is of the correct size

� Numeric fields in the MICR file(s) must be numeric or blank, if not compulsory

� Batch item count and amount in the MICR file header must be balanced with

the total of the actual items in the MICR file

� Images of all items in the MICR file are all available. (Applicable only to

transaction types with images)

2.2.2 eSPICK Host

The eSPICK Host also performs several levels of validations before accepting

transactions transmitted by GWC.

2.2.2.1 Session Level

They include:

� Specified currency is valid

� Collecting Bank Type / Bank / Branch is active in eSPICK database

� User ID / Password is active and has the privilege to transmit the specified

transaction type

� Certificate Used for signing the session is same as stored in User Profile

� Specified transaction type is valid

� Specified clearing date is valid

� Window is open for specified transaction type

� Digital signature is verified

� Batch Number is not duplicated for Bank Type/Bank/Branch

� First Digit of Batch Number according to currency code

� 2nd and 3rd Digit of Batch Number according to transaction type

2.2.2.2 Batch Level

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They include:

� Batch Number is as indicated during session

� Batch amount total is verified

� Item count total is verified

� Digital signature is verified

� Collecting Bank Type / Bank / Branch is active in eSPICK database

2.2.2.3 Item Level

They include:

� Paying Bank Type / Pay Bank / Pay Branch is active in eSPICK database

� Specified transaction code is valid

� Check Digit is either Spaces or a 2-digit number

� Amount (in Sen) is numeric without any decimals and of 10 digits padded

with leading 0s

� Return Code (for return transaction type) is valid

� UIC is not duplicated in the system

� Express Cheque Acknowledgement is either P or N

� Representment UIC – original item must have been returned with re-

presentable code

� Return UIC (item must have been presented previously and not yet

returned)

2.3 MECHANISM

The banks must create the MICR file, Image files, transmission list file and start transfer

indicator file according to the specified file format. These files are required to be placed in

a pre-defined location (common folder). Compulsory folders must be present in this

common folder as defined below.

� “Ready” folder - Contains transmission list file (.LST) and start transfer indicator file

(.ZST) that are ready for transfer to GWC and transmission to eSPICK

� “Process” folder - Contains transmission list file (.LST) and start transfer indicator file

(.ZST) that are currently being processed by GWC

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� “Error” folder - Contains transmission list file (.LST) and start transfer indicator file

(.ZST) that failed the list file checking.

� “Completed” folder - Contains transmission list file (.LST) and start transfer indicator file

(.ZST) where list file checking is completed.

� Date Specific folder - This data specific folder will contain the MICR and image files

indicated in the transmission list file. Folder name will be the clearing date in

YYYYMMDD format.

A detailed illustration of the workflow is provided in Appendix E.

2.3.1 Transmission List File

2.3.1.1 General Description

The GWC requires banks to create a Transmission List File to transmit files to

eSPICK.

Characteristics of the transmission list file are as follows:

- For each batch, the MICR and image files for the batch must be grouped

together and the MICR file for the batch must be followed by the image

files for the batch, e.g. MICR, IMG, IMG, IMG, …, MICR, IMG, IMG, IMG,

etc.

- Contain locations and filenames of MICR and image file(s).

- Can contain multiple sets of MICR and/or image file(s).

- Can contain different transaction types in a single list file.

- Transmission list file will be placed in “Ready” subfolder in pre-defined

shared folder.

2.3.2 Transmission List Status File


At the end of the processing of all the MICR and Image files, the GWC creates

a transmission list status file to indicate the status of the files sent to GWC.

For each transmission list file from the bank’s system, GWC creates a

corresponding transmission list status file.

Pg 2-6








This file is placed in the location together with the transmission list file

(“Completed” or “Error” folder depending on the status of the list file

validation).

2.3.3 Transfer Status File


For each batch transferred to GWC from the bank’s system, the GWC creates

a transfer status file upon completion of the attempt to store the batch

information.

This file is placed in the location together with the MICR data file after GWC

validation.

2.3.4 Transmission Status File


For each batch transmitted to eSPICK host via GWC, the GWC creates a

transmission status file.

This file is placed in the location together with the MICR data file.

2.3.5 Start Transfer Indicator


The bank is to create a start transfer indicator file when the list file, MICR file

and image files are available in their corresponding folders. This will serve as

an indicator for GWC to proceed to process the files. The Start transfer

indicator file will be placed in “Ready” subfolder in predefined shared folder

(together with the transmission list file).

Pg 3-1








3. SYSTEM CONFIGURATION

3.1 RECOMMENDED SIZING

The recommended sizing acts a guideline for banks in their estimation of hardware

procurement. Some assumptions undertaken for the recommendation are:

� 60% of the outward volume comes in the last two hours of processing

� Inward volume is spread within 4 hours of processing

For banks with more outward volume than inward volume, they should consider the recommended

sizing for the outward volume. Conversely, for banks with centralised inward processing, their inward

volume would be much higher than their individual outward processing; they should thus use the

recommended sizing for the inward volume in their estimation.

3.1.1 Hardware

3.1.1.1 Outward Volume

Grouping based on number of transactions per day

Group 1 (1 - 10,000)

Group 2 (10,001 – 50,000)

Group 3 (50,001-200,000)

Maximum Volume (example) 5,000 10,000 15,000 50,000 100,000 200,000

Peak - Last 2 hrs (120mins)

60% of volume 3,000 6,000 9,000 30,000 60,000 120,000

No. of GWC workstations required 1 2 2 4 8 15

3.1.1.2 Inward Volume

Grouping based on number of transactions per day

Group 1 (1 - 10,000)

Group 2 (10,001 - 50,000)

Type 3 (50,001-200,000)

Maximum Volume 5,000 10,000 15,000 50,000 100,000 200,000

Peak - Last 4 hrs (240mins)

No. of GWC workstations required 1 2 1 4 7 13

Pg 3-2








3.1.2 GWC Server Configuration

Grouping Quantity

Group 1 (1 - 10,000)

� Intel Pentium 4 3.0Ghz HT 1

� 80GB

� 2GB RAM

Group 2 (10,001 - 50,000)

� Intel® Pentium® D 1

� 160GB

� 2GB RAM

Group 3 (50,001 - 200,000)

� 2 X Dual-Core Intel Xeon 2

� 160GB

� 4GB RAM

3.1.3 GWC Workstation Configuration

Minimum Requirements Quantity

� Intel Pentium IV 2.4GHz or higher *n

� 40GB

� 512 MB RAM

*n = Number of workstations is dependent on daily cheque volume and subscribed

NWI bandwidth.

3.2 SOFTWARE

In addition to procuring the GWC software, the banks must procure and install the following

system software to enable the GWC to function as designed.

3.2.1 GWC Server

� Microsoft Server 2003 (with the latest service packs and security patches)

� MS SQL 2005 (Standard or Enterprise Edition)

Pg 3-3








3.2.2 GWC Workstation

� Microsoft XP Professional (with the latest service packs and security patches)

� Internet Explorer 6.0 and above (with the latest service packs and security

patches)

� Adobe Acrobat Reader 6.0 and above

� CD-ROM burning software in CD-R format (up to the banks to decide)

Pg A-1








A. Standards and Conventions

A.1 UNIQUE IDENTIFIER CODE

The following combination of endorsement information could constitute the Unique

Identifier:

Clearing Date 8 Digit YYYYMMDD

Presenting Bank Type 2 Digit 99

Presenting Bank Code 2 Digit 99

Presenting Branch Code 5 Digits 99999

Batch Number 9 Digits 999999999

9 stands for the Currency Type

1 for MYR

2 for USD

99 stands for the Cheque Type

01 for Normal Cheques

02 for Express Cheques

03 for STP Express Cheques

04 for Banker’s Acceptance

05 for Conversion Cheque

06 for Standing Instruction (Credit)

07 for Standing Instruction (Debit)

99 for Non-Clearing Items

999999 is the unique running number for batch

Item Sequence Number 4 Digit 9999

Pg A-2








A.2 TRANSACTION TYPES

Outward

OWNM Outward Normal MICR OWNI Outward Normal Image

OXCM Outward Express Cheques MICR OXCI Outward Express Cheques Image

OSXM Outward STP Express Cheques MICR OSXI Outward STP Express Cheques Image

OBAM Outward Banker’s Acceptance MICR OBAI Outward Banker’s Acceptance Image

OKCM Outward Conversion Cheque MICR

OSCM Outward Standing Instruction (CR) MICR

OSDM Outward Standing Instruction (DR) MICR

OREM Outward Re-presentment MICR

NCHM Non-Clearing House Cheque MICR NCHI Non-Clearing House Cheque Image

Outward Return

ONRM Outward Normal Return MICR

OBRM Outward Banker’s Acceptance Return MICR

OKRM Outward Conversion Cheque Return MICR

OCRM Outward Standing Instruction (CR) Return MICR

ODRM Outward Standing Instruction (DR) Return MICR

Inward

IWNM Inward Normal MICR IWNI Inward Normal Image

IXCM Inward Express Cheques MICR IXCI Inward Express Cheques Image

ISXM Inward STP Express Cheque MICR ISXI Inward STP Express Cheque Image

IBAM Inward Banker’s Acceptance MICR IBAI Inward Banker’s Acceptance Image

IKCM Inward Conversion Cheque MICR

ISCM Inward Standing Instruction (CR) MICR

ISDM Inward Standing Instruction (DR) MICR

IREM Inward Re-presentment MICR IREI Inward Re-presentment Image

Inward Return

INRM INRR

Inward Normal Return MICR Inward Normal Return Reason

INRI IRRI

Inward Normal Return Image Inward Normal Return Re-presentable Image

IBRM IBRR

Inward Banker’s Acceptance Return MICR Inward Banker’s Acceptance Return Reason

IBRI Inward Banker’s Acceptance Return Image

IKRM IKRR

Inward Conversion Cheque Return MICR Inward Conversion Cheque Return Reason

ICRM ICRR

Inward Standing Instruction (CR) Return MICR Inward Standing Instruction (CR) Return Reason

IDRM IDRR

Inward Standing Instruction (DR) Return MICR Inward Standing Instruction (DR) Return Reason

Outward Acknowledgement

OXCA Outward Express Cheque Acknowledgement

OSXA Outward STP Express Cheque Acknowledgement

Pg A-3








Inward Acknowledgement

IXCA Inward Express Cheque Acknowledgement

ISXA Inward STP Express Cheque Acknowledgement

A.3 TRANSACTION CODES

No. Descriptions Transaction Codes (TC)

1 Cashiers Order/Bankers Cheques 02

2 Demand Draft 03

3 Dividend Warrant 05

4 Interest Warrant 06

5 Pension Warrant 07

6 Drawing Voucher (DV) 08

7 Interbank Settlement 09

8 Clearing House Voucher 10

9 Cheques Issued by Individual Accountholder 11

10 Cheques Issued by Joint Accountholders 12

11 Banker’s Acceptance (BA) 15

12 Accepted Bills-i/Islamic Acceptance Bills 17

13 Negotiable Islamic Debt Certificate 18

14 Cheques Issued by Sole Proprietor 21

15 Cheques Issued by Partnership 22

16 Cheques issued by Professional Bodies (include lawyers, doctors, accountants who are not registered with SSM)

23

17 Cheques Issued by Private Limited Companies (Sdn. Bhd.) 24

18 Cheques Issued by Public Listed Companies (Berhad) 25

19 Cheques Issued by Federal Government (include embassies) 31

20 Cheques Issued by State Government 32

21 Cheques Issued by Local Authorities 33

22 Cheques Issued by Statutory Bodies 34

23 Cheques Issued by Trade Union 41

24 Cheques Issued by Cooperatives 42

25 Cheques Issued by Societies/Associations 43

26 Cheques Issued by International Organisations 51

27 Foreign Currency Cheques Drawn in Malaysia 52

28 Ringgit Travellers Cheques 71

29 Money Order 72

Pg A-4








No. Descriptions Transaction Codes (TC)

30 Postal Order 73

31 Giro 74

32 Unpaid Clearing Debit Slip (Cheques Returned) 79

33 Batch Ticket 88

34 Reserved For Clearing House Use (including DCHEQUE Use) 80-87, 89-99

A.4 RETURN CODES

Code Description Re-presentable

(Y/N)

01 Refer to Drawer Y

02 Exceeded Arrangement/Amount limit exceeded Y

03 Effects Not Cleared Y

04 Not Arranged For Y

05 Payment Stopped/ Payment Countermanded (OD) N

06 Other Reason (for insufficient funds) Y

07 Incorrect Data Capture N

08-09 Reserved for future use N

10 Banker Acceptance/AB-i Return N

11 Post Dated Y

12 Amount in Words/Figures Differs N

13 Amount Protect/Figure Differs N

14 Signature Different from Mandate/Unauthorized Signature/Wrong Signature Condition/Unclear Signature Condition

N

15 Company Stamp/Seal/Chop Required/Drawer's Seal Required N

16 Company Stamp/Seal/Chop Differs/Irregular N

17 Irregularly drawn N

18 One More Signature Required/Additional Drawer Signature Required/Two More Signatures Required

N

19 Stale Cheque/Out of Date/Stale dated N

20 Payment Stop Pending Confirmation/ Payment Stop Pending Confirmation N

21 Payment Stopped/Payment Countermanded (Technical) N

22 Date Required N

23 Payee Name Required N

24 Date Incomplete N

25 Amount in Word Ambiguous N

Pg A-5









(Y/N)

26 Drawer's Signature Required N

27 Amount in figure ambiguous N

28 Date ambiguous N

29 Right Thumb print required N

30 Amount in Words and/or Figures required N

31 Altered Cheque/Alteration Not Allowed N

32 Other chargeable technical reason N

33 Invalid Branch N

34 Cheque Not Issued / Cheque cancelled N

35 Cheque Already Paid/Duplicate Payment N

36 Wrongly encoded/Encoding Error N

37 Payment At Designated Bank Only N

38 Other manipulation/Forgery/Suspect Item N

39 Unauthorized Signature N

40 3rd Party Cheque Requested by Collecting Bank N

41 1st Drawer Signature Differs N

42 2nd Drawer Signature Differs N

43 Drawer sign differs N

44 Drawer's sign Irregular N

45 Bank Crossing Required N

46 Double Bank Crossing N

47 Account Closed N

48 Account Frozen N

49 Confirmation Required - Payee Account Credited N

50 Confirmation Required Mutilation/Mutilation Guarantee Required/Mutilated Cheque/Cheque Defaced.

N

51 Confirmation Required Endorsement N

52 Cleared in error / Wrongly cleared to us N

53 Form 'R' Required/Required Form PR/ECM Not Complied with/BOP Required Not complied

N

54 Other Non Chargeable N

55 Deceased Account N

56 Double payee N

57 Account Pending Closure N

58 Drawing voucher not arranged for N

Pg A-6









(Y/N)

59 Drawer's Confirmation Required/Pending Confirmation N

60 Drawer's Full Signature Required/Drawer signature Incomplete N

61 Confirm Discharged N

62 Account invalid N

63 Bank Cross illegible N

64 Payee's Endorsement Required N

65 Bank's Confirmation Required N

66 Restricted payee N

67 Account in liquidation N

68 Drawer's endorsement invalid or missing N

69 Funds held by court/Court Injunction N

70 Cheque Written in Pencil N

71 Company Under Receivership N

72 Superimposed Writing N

73 Cheque to be drawn in RM only N

74 Rate Quoted in Error N

75 Sign Mnemonic Required N

76 Special A/C (DCHEQS) N

77 Large Value Cheque Confirmation N

78 Assigned not stated N

79 Report Loss/ Lost cheque N

80 No Signature on file N

81 Others N

A.5 NON-CONFORMANCE FLAG

Description Flag Value

Fully Conform 0

Mutilated Cheques – Mutilation guaranteed by Collecting Banks 1

Mutilated Cheques – Mutilation caused by Customers 2

Cheques with missing check digit in the MICR codeline 3

Cheques with missing account number in the MICR codeline 4

Cheques with amended cheque serial number, bank branch code and/or transaction code in the MICR codeline.

5

Cheques with missing payee name, date, amount in words and/or numbers, signature and UV 6

Pg A-7









Cheques with apparent alteration(s) 7

Large value cheques (>RM99,999,999.99) 9

A.6 IQA FLAG


IQA Tests Not Performed 0

IQA Tests Passed 1

IQA Tests Failed 2

A.6.1 Mandatory IQA Tests

The following table lists the mandatory IQA tests to be performed by banks.

The threshold of each test will be documented in the IQA Specifications document.

A.7 DOCUMENT-TO-FOLLOW FLAG

This is applicable to Banker’s Acceptance only.

# Quality Test Description Exception Front Bitonal

Back Bitonal

Front Grayscale

1 (test for all banks)

Image too light Low pixel count on the image

�


Image too dark High pixel count on the image

�


Bent /Torn corners

Image has torn or bent corners such that certain information on the cheque are missing e.g. missing issue date

Bent or torn corners that do not have any missing information

�


Image skew Image is slanted so much so that certain information are missing e.g. MICR incomplete

Image skewed but does not affect any information on the cheque

�


Bent Edge When the whole edge is missing certain information e.g. MICR date or amount field

Bent edges that does not have any missing information

�

Pg A-8









Only one page document 0

Other pages will be sent by Presenting bank to Paying bank directly 1

Pg B-1








B. File Formats B.1 FILENAME CONVENTION

B.1.1 Data Filename

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)TranType(4).MMYR

Field Type Description Example / Valid Values

Date Char [8] Clearing date in yyyymmdd format where yyyy is the year, mm is the month and dd is the day.

28 March 2007 would be 20070328

Bank Type Char [2] The bank type of the Presenting Bank 01 for BNM, 02 for Conventional and 03 for Islamic

Bank Char [2] The Bank code of the Presenting Bank

For Outward, this will be the presenting bank code

For Inward, this will be the paying bank code

Branch Char [5] The Branch code of the Presenting Branch

For Outward, this will be the presenting branch code

For Inward, this will be the paying branch code

Batch Char [9] 1st Digit – Indicates currency of batch.

1 for MYR

2 for USD

2nd and 3rd Digits – Indicates the cheque type of the batch

01 – OWNM, IWNM

02 – OXCM. IXCM

03 – OSXM, ISXM

04 – OBAM, IBAM

05 – OKCM, IKCM

06 – OSCM, ISCM

07 – OSDM, ISDM

11 – ONRM, INRM

12 – OXCA, IXCA

13 – OSXA, ISXA

14 – OBRM, IBRM

15 – OKRM, IKRM

16 – OCRM, ICRM

17 – ODRM, IDRM

21 – OREM, IREM

99 – NCHM

E.g., Currency – MYR (1)

Cheque Type – OWNM (01)

Batch Number – 000001

101000001


Cheque Type – OREM (21)


121000001

Pg B-2









4th to 9th Digits – Batch Number

IMPORTANT: 4th to 9th digits of the batch number cannot be ‘999999’. This number is reserved for End-Of-Day Trailer (EOT) file that is generated by the eSPICK Host.

The batch number MUST be unique within a Bank Type, Bank/Branch currency code and cheque type on any particular clearing day

Transaction Type

Char [4] It indicates the type of transaction transmitted

Normal Outward Representment (MICR) would be OREM

B.1.2 Image Filename

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)Sequence(4).IMG

NOTE: Image filename must match with the UIC in the corresponding MICR file for the

item.



28 March 2007 would be 20070328

Bank Type Char [2] The bank type of the Presenting Bank 01 for BNM, 02 for Conventional and 03 for Islamic


For Outward, this will be the presenting bank

For Inward, this will be the paying bank


For Outward, this will be the presenting branch

For Inward, this will be the paying branch

Batch Char [9] 1st Digit – Indicates currency of batch.

1 for MYR

2 for USD

2nd and 3rd Digits – Indicates the cheque type of the batch

01 – OWNM, IWNM


Cheque Type – OWNM (01)


101000001

Pg B-3









02 – OXCM, IXCM

03 – OSXM, ISXM

04 – OBAM, IBAM

99 – NCHM

4th to 9th Digits – Batch Number

The batch number MUST be unique within a Bank Type, Bank/Branch currency code and cheque type on any particular clearing day

Sequence Char [4] It indicates the sequence number of the item within a batch. The sequence number MUST be unique within a batch.

E.g. 0001

B.1.3 Transmission-List File

Date(8)BankType(2)Bank(2)Branch(5)-Batch(9).LST

Field Type Description


Bank Type Char [2] The bank type of the Presenting Bank



Batch Char [9] Running batch number must be unique for the day, bears no relationship to the batch number in MICR data files or UIC.

B.1.4 Transmission-List Status File

Date(8)BankType(2)Bank(2)Branch(5)-Batch(9).RESP




Pg B-4











Batch Char [9] Returns the same batch number as the Transmission-List File

B.1.5 Transfer Status File

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)TranType(4).GWC






Batch Char [9] 9 digit batch number

TranType Char [4] 4 character abbreviation for the transaction type. E.g. OWNM for Outward normal MICR

NOTE: The filename for the transfer status file for a batch will be the same as the

corresponding batch’s MICR (.MMYR) file. The file extension will be changed to .GWC

B.1.6 Transmission Status File

Date(8)BankType(2)Bank(2)Branch(5)Batch(9)TranType(4).CTCS






Pg B-5










TranType Char [4] 4 character abbreviation for the transaction type. E.g. OWNM for Outward normal MICR

NOTE: The filename for the transfer status file for a batch will be the same as the

corresponding batch’s MICR (.MMYR) file. The file extension will be changed to

CTCS.

B.1.7 Start Transfer Indicator

Date(8)BankType(2)Bank(2)Branch(5)-Batch(9).ZST






Batch Char [9] Running batch number must be unique for the day, bears no relationship to the batch number in MICR data files or UIC.

NOTE: The file name for the start transfer indicator file must be the same as the

corresponding transmission list file (.LST) file with the extension changed to .ZST

B.2 FILE FORMATS

B.2.1 Transmission-List File

For MICR File

\Date(8)\BankType(2)Bank(2)Branch(5)\Batch(9)\[MICR File Name].MCurrency(3)




Pg B-6












Currency Char [3] Currency Code

For Image File

\Date(8)\BankType(2)Bank(2)Branch(5)\Batch(9)\[Item UIC].IMG







Sample transmission list file

- Pre-defined location: C:\CTCS

- Clearing date: 1st Mar 2007 (20070301)

- Presenting Bank Type, Bank Code, Branch Code: 012414010

- Batch Number: 121111001 (OREM) and 101111002 (OWNM)

(a) YYYYMMDD indicates clearing date

(b) BT indicates bank type

(c) BB indicates bank code

(d) bbbbb indicates branch code

(e) 999999999 indicates the batch number

Pg B-7








1st digit indicates the currency (e.g. 1 for MYR)

2nd and 3rd digits indicates the cheque type

Subsequent 6 digits indicate a unique batch number for the clearing date.

(f) XXXX indicates the 4 characters transaction type (e.g. OWNM)

(g) 9999 indicates the item sequence number

B.2.2 Transmission List Status File

Ref Name Size (char) Description

1 MICR file name 35 Name of the MICR name that failed

2 Status Code 4 Status code

3 Description 200 Description of error encountered

4 CRLF 2 Carriage return line feed

Sample Transmission list status file

- MICR file 20070301012414010121111001OREM.MMYR transfer successful.

Status code 0000.

- MICR file 20070301012414010101111002OWNM.MMYR transfer failed. Status

code 0002. Status description is “Duplicate Batch”.

B.2.3 Transfer Status File


Line 1

1 Transfer Status Code 4 0000 for successful transfer

> 0000 for failed transfer

20070301012414010121111001OREM.MMYR0000Transfer Successful

20070301012414010101111002OWNM.MMYR0002Duplicate batch.

\20070301\012414010\121111001\20070301012414010121111001OREM.MMYR

\20070301\012414010\101111002\20070301012414010101111002OWNM.MMYR

\20070301\012414010\101111002\200703010124140101011110020001.IMG

\20070301\012414010\101111002\200703010124140101011110020002.IMG

\20070301\012414010\101111002\200703010124140101011110020003.IMG

\20070301\012414010\101111002\200703010124140101011110020004.IMG

\20070301\012414010\101111002\200703010124140101011110020005.IMG

\20070301\012414010\101111003\20070301012414010101111003OWNM.MMYR

\20070301\012414010\101111003\200703010124140101011110030001.IMG

\20070301\012414010\101111003\200703010124140101011110030002.IMG

YYYYMMDDBTBBbbbbb9999999999999

YYYYMMDDBTBBbbbbb999999999XXXX 999999999 BTBBbbbbb YYYYMMDD

Pg B-8









2 Transfer Item Position 4 Position of the item if item check failed. Else returns total item count

3 Batch Item Count 4 Number of items in the batch that are transferred and received by GWC

4 Batch Image Count 4

Number of items in the batch that are transferred and received by GWC

Can only be 0000 or a 4 digit count same as the batch item count returned

5 Batch Amount 16 Batch amount of the batch is transferred and received by GWC

Line 2

6 Transfer Status Desc. 200 Description of the transfer status

Sample

Successful transfer status file for a batch of 20 items with batch total of

RM1,234,567,890.99

Failed transfer status file with status code 44 for a batch of 20 items with batch total of

RM1,234,567,890.99

Failed transfer status file with status code 123, image for item number 8 not found.

MICR file contains a batch of 20 items with batch total of RM1,234,567,890.99.

00440000002000200000123456789099 Batch transfer failed. Batch not balanced.

01230008002000190000123456789099 Batch transfer failed. Item image not found.

00000000002000200000123456789099 Batch transfer successful.

Pg B-1








B.2.4 Transmission Status File


Line 1

1 Transmission Status Code

4 0000 for successful transfer

> 0000 for failed transfer

2 Transmission Item Position 4 Position of the item if item check failed.

Else returns total item count

3 Batch Item Count 4 Number of items in the batch that are transmitted to and received by eSPICK Host

4 Batch Image Count 4

Number of items in the batch that are transmitted to and received by eSPICK Host

Can only be 0000 or a 4 digit count same as the batch item count returned

5 Batch Amount 16 Batch amount of the batch is transmitted to and received by eSPICK Host

Line 2

6 Transmission Status Desc. 200 Description of the transmission status

Sample

Successful transmission status file for a batch of 20 items with batch total of

RM1,234,567,890.99

Failed transmission status file with status code 614 for a batch of 20 items with batch

total of RM1,234,567,890.99

Failed transmission status file with status code 1044, item 6 is not allowed for re-

presentment. This MICR file contains a batch of 20 items with batch total of

RM1,234,567,890.99

00000000002000200000123456789099 Batch transmission successful.

06140000002000200000123456789099 Batch transmission failed. Batch files are duplicated.

10440006002000200000123456789099 Batch transmission failed. This representment item had expired.

Pg B-2








B.2.5 Start Transfer Indicator

This file can be empty; the contents of the file will not be read.

B.2.6 OWNM – Outward Normal MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OWNM.MMYR

Example: Clearing date – 27th Mar 2007 (20070327)

Bank Type – Conventional (02)

Bank Code – 24

Branch Code – 14010

Currency – MYR (1)

Cheque Type – Outward Normal (01)

Batch No. – 101123456

20070327022414010101123456OWNM.MMYR


MICR File Detail Header Record (first record 2072 bytes)

1. MICR DS 1024 Digital Signature for MICR batch

2. Image DS 1024 Digital Signature for Image batch

3. Total Item Count 4 The total number of MICR items in the batch

4. Total Amount 16 The total amount of the MICR batch

5. Total Image Count 4 The total number of Image files in the batch

MICR File Detail Record (subsequent records 2128 bytes each)

1. UIC 30 Unique Identification Code

2. Issuing Bank Type 2 The Bank Type according to Bank/Branch list provided by eSPICK Host every day.

3. Issuing Bank 2 The Bank code printed on the cheque’s MICR line

4. Issuing Branch 5 The Branch code printed on the cheque’s MICR line

5. Paying Bank Type 2 Spaces

6. Paying Bank 2 Spaces

7. Paying Branch 5 Spaces

8. Cheque No 6 Cheque serial number printed on the cheque’s MICR line

9. Check Digit 2 The check digit printed on the cheque’s MICR line

10. Transaction Code 2 Transaction code printed on the cheque’s MICR line. Value must be found in the list of approved TC.

Pg B-3









Value must be found in the list of approved TC.

11. Account Number 10 The account number of the cheque issuer

12. Amount 10 The amount issued on the cheque

13. Non Conformance 1 Refer to Appendix A.5

14. IQA 1 Refer to Appendix A.6

15. MICR DS 1024 Digital Signature for MICR item in this batch

16. Image DS 1024 Digital Signature for Image item in this batch

B.2.7 OXCM – Outward Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OXCM.MMYR



Bank Code – 24



Cheque Type – Outward Express Cheque (02)

Batch No. – 102123456

20070327022414010102123456OXCM.MMYR















Pg B-4



















B.2.8 OSXM – Outward STP Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSXM.MMYR



Bank Code – 24



Cheque Type – Outward STP Express Cheque (03)

Batch No. – 103123456

20070327022414010103123456OSXM.MMYR











Pg B-5























B.2.9 OBAM – Outward Banker’s Acceptance MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OBAM .MMYR



Bank Code – 24



Cheque Type – Outward Banker’s Acceptance (04)

Batch No. – 104123456

20070327022414010104123456OBAM.MMYR







Pg B-6

























15. Document-To-Follow 1 Refer to Appendix A.7



B.2.10 OKCM – Outward Conversion Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OKCM.MMYR



Bank Code – 24



Cheque Type – Outward Conversion Cheque (05)

Batch No. – 105123456

20070327022414010105123456OKCM.MMYR

Pg B-7











2. Image DS 1024 Not applicable, pad field with spaces



5. Total Image Count 4 Not applicable, set field to 0000


















B.2.11 OSCM – Outward Standing Instruction (CR) MIC R

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSCM.MMYR



Bank Code – 24



Cheque Type – Outward Standing Instruction (CR) (06)

Batch No. – 106123456

Pg B-8








20070327022414010106123456OSCM.MMYR










2. Payee Bank Type 2 The Bank Type according to Bank/Branch list provided by eSPICK Host every day.

3. Payee Bank 2 The bank code of SI fund receiver

4. Payee Branch 5 The branch code of SI fund receiver

5. Payee Account Number 10 Not Applicable for SI

6. Beneficiary Name 70 Beneficiary name

7. Beneficiary Address 70 Beneficiary address

8. Beneficiary Account No 50 Beneficiary account number

9. Beneficiary I/C No / company Registration. No.

20 Beneficiary identification card number or the company registration number

10. Beneficiary Residential Status

1 Beneficiary is a resident or non-resident

11. By-Order-Of Name 70 By-Order-Of name

12. By-Order-Of Address 70 By-Order-Of address

13. By-Order-Of Account No 50 By-Order-Of account number

14. By-Order-Of I/C No/ Company Registration No

20

By-Order-Of identification card number or the company registration number

15. By-Order Residential Status

1 By-Order is a resident or non-resident

16. Remarks 100 Free text field

17. Amount 10 The amount of the Standing Instruction



B.2.12 OSDM – Outward Standing Instruction (DR) MIC R

Pg B-9








Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSDM.MMYR



Bank Code – 24



Cheque Type – Outward Standing Instruction (DR) (07)

Batch No. – 107123456

20070327022414010107123456OSDM.MMYR

























20


Pg B-10















B.2.13 OREM – Outward Representment MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OREM.MMYR



Bank Code – 24



Cheque Type – Outward Representment (21)

Batch No. – 121123456

20070327022414010121123456OREM.MMYR













B.2.14 NCHM – Non-Clearing House Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)NCHM.MMYR


Pg B-11









Bank Code – 24



Cheque Type – Non-Clearing House Cheque (99)

Batch No. – 199123456

20070327022414010199123456NCHM.MMYR

























Pg B-12








B.2.15 ONRM – Outward Normal Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ONRM.MMYR



Bank Code – 24



Cheque Type – Outward Normal Return (11)

Batch No. – 111123456

20070327022414010111123456ONRM.MMYR









3. Return Code 2 Return code of the returned item. Indicator for future Re-presentment

4. Return Reason 100 Free Text


B.2.16 OBRM – Outward Banker’s Acceptance Return MI CR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OBRM.MMYR



Bank Code – 24



Cheque Type – Outward Banker’s Acceptance Return MICR (14)

Batch No. – 114123456

20070327022414010114123456OBRM.MMYR

Pg B-13















2. Amount 10 The amount of SI

3. Return Code 2 Return code of the returned item.



B.2.17 OKRM – Outward Conversion Cheque Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OKRM.MMYR



Bank Code – 24



Cheque Type – Outward Conversion Cheque Return MICR (15)

Batch No. – 115123456

20070327022414010115123456OKRM.MMYR








2. Amount 10 The amount of BA



Pg B-14










B.2.18 OCRM – Outward Standing Instruction (CR) Ret urn MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OCRM.MMYR



Bank Code – 24



Cheque Type – Outward Standing Instruction (CR) Return (16)

Batch No. – 116123456

20070327022414010116123456OCRM.MMYR









3. Return Code 2 Return code of the returned item. Indicator for future Re-presentment



B.2.19 ODRM – Outward Standing Instruction (DR) Ret urn MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ODRM.MMYR



Bank Code – 24



Cheque Type – Outward Standing Instruction (DR) Return MICR (17)

Pg B-15








Batch No. – 117123456

20070327022414010117123456ODRM.MMYR








2. Amount 10 The amount of SI




B.2.20 OXCA – Outward Express Cheque Acknowledgemen t

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OXCA.MMYR



Bank Code – 24



Cheque Type – Outward Express Cheque Acknowledgement (12)

Batch No. – 112123456

20070327022414010112123456OXCA.MMYR








Pg B-16










3. Response 1 Acknowledgement response for the Express Cheque.

P – Positive

N – Negative

4. Remarks 100 Free Text


B.2.21 OSXA – Outward STP Express Cheque Acknowledg ement

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)OSXA.MMYR



Bank Code – 24



Cheque Type – Outward STP Express Cheque Acknowledgement (13)

Batch No. – 113123456

20070327022414010113123456OSXA.MMYR









3. Response 1 Acknowledgement response for the STP Express Cheque.

P – Positive

N - Negative



B.2.22 IWNM – Inward Normal MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IWNM.MMYR

Pg B-17










Bank Code – 24



Cheque Type – Inward Normal (01)

Batch No. – 101123456

20070327022414010101123456IWNM.MMYR























15. Image Indicator 1 ‘Y’ – image exists

‘N’ – image missing

Pg B-18











B.2.23 IXCM – Inward Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IXCM.MMYR



Bank Code – 24



Cheque Type – Inward Express Cheque (02)

Batch No. – 102123456

20070327022414010102123456IXCM.MMYR



















Pg B-19









Value must be found in the list of approved TC.









B.2.24 ISXM – Inward STP Express Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISXM.MMYR



Bank Code – 24



Cheque Type – Inward STP Express Cheque (03)

Batch No. – 103123456

20070327022414010103123456ISXM.MMYR













Pg B-20























B.2.25 IBAM – Inward Banker’s Acceptance MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IBAM .MMYR



Bank Code – 24



Cheque Type – Inward Banker’s Acceptance (04)

Batch No. – 104123456

20070327022414010104123456IBAM.MMYR







Pg B-21






























B.2.26 IKCM – Inward Conversion Cheque MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IKCM.MMYR



Bank Code – 24



Cheque Type – Inward Conversion Cheque (05)

Batch No. – 105123456

20070327022414010105123456IKCM.MMYR

Pg B-22






























15. Image Indicator 1 Not applicable, pad field with space



B.2.27 ISCM – Inward Standing Instruction (CR) MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISCM.MMYR



Bank Code – 24



Pg B-23








Cheque Type – Inward Standing Instruction (CR) (06)

Batch No. – 106123456

20070327022414010106123456ISCM.MMYR

























20








Pg B-24








B.2.28 ISDM – Inward Standing Instruction (DR) MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISDM.MMYR



Bank Code – 24



Cheque Type – Inward Standing Instruction (DR) (07)

Batch No. – 107123456

20070327022414010107123456ISDM.MMYR
























Pg B-25










20








B.2.29 IREM – Inward Representment MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IREM.MMYR



Bank Code – 24



Cheque Type – Inward Representment (21)

Batch No. – 121123456

20070327022414010121123456IREM.MMYR















Pg B-26





















B.2.30 INRM – Inward Normal Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)INRM.MMYR



Bank Code – 24



Cheque Type – Inward Normal Return (11)

Batch No. – 111123456

20070327022414010111123456INRM.MMYR









Pg B-27

























16. Return Count 3 Return count of the cheque



Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)INRR.MMYR



Bank Code – 24



Cheque Type – Inward Normal Return (11)

Batch No. – 111123456

20070327022414010111123456INRR.MMYR



Pg B-28















3. Presenting Bank Type 2 The Bank Type according to Bank/Branch list provided by eSPICK Host every day.

4. Presenting Bank 2 Bank through which the Normal MICR was presented

5. Presenting Branch 5 Branch through which the Normal MICR was presented

6. Return Code 2 Return code of cheque

7. Return Reason 100 Free text


B.2.31 IBRM – Inward Banker’s Acceptance Return MIC R

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IBRM.MMYR



Bank Code – 24



Cheque Type – Inward Banker’s Acceptance Return (14)

Batch No. – 114123456

20070327022414010114123456IBRM.MMYR









Pg B-29




























Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IBRR.MMYR



Bank Code – 24



Cheque Type – Inward Banker’s Acceptance Return (14)

Batch No. – 114123456

20070327022414010114123456IBRR.MMYR



Pg B-30





















B.2.32 IKRM – Inward Conversion Cheque Return MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IKRM.MMYR



Bank Code – 24



Cheque Type – Inward Conversion Cheque Return MICR (15)

Batch No. – 115123456

20070327022414010115123456IKRM.MMYR









Pg B-31

























Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IKRR.MMYR



Bank Code – 24



Cheque Type – Inward Conversion Cheque Return (15)

Batch No. – 115123456

20070327022414010115123456IKRR.MMYR



Pg B-32





















B.2.33 ICRM – Inward Standing Instruction (CR) Retu rn MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ICRM.MMYR



Bank Code – 24



Cheque Type – Inward Standing Instruction (CR) Return (16)

Batch No. – 116123456

20070327022414010116123456ICRM.MMYR









Pg B-33

























20








Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ICRR.MMYR



Bank Code – 24



Cheque Type – Inward Standing Instruction (CR) Return (16)

Batch No. – 116123456

20070327022414010116123456ICRR.MMYR

Pg B-34
















3. Presenting Bank Type

2 The Bank Type according to Bank/Branch list provided by eSPICK Host every day.






B.2.34 IDRM – Inward Standing Instruction (DR) Retu rn MICR

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IDRM.MMYR



Bank Code – 24



Cheque Type – Inward Standing Instruction (DR) Return (17)

Batch No. – 117123456

20070327022414010117123456IDRM.MMYR









Pg B-35

























20








Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IDRR.MMYR



Bank Code – 24



Cheque Type – Inward Standing Instruction (DR) Return (17)

Batch No. – 117123456

20070327022414010117123456IDRR.MMYR

Pg B-36
















3. Presenting Bank Type

2 The Bank Type according to Bank/Branch list provided by eSPICK Host every day.






B.2.35 IXCA – Inward Express Cheque Acknowledgement

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)IXCA.MMYR



Bank Code – 24



Cheque Type – Inward Express Cheque Acknowledgement (12)

Batch No. – 112123456

20070327022414010112123456IXCA.MMYR









Pg B-37









3. Response 1 Acknowledgement response for the Express Cheque.

P – Positive

N - Negative



B.2.36 ISXA – Inward STP Express Cheque Acknowledge ment

Filename: Date(8)BankType(2)Bank(2)Branch(5)Batch(9)ISXA.MMYR



Bank Code – 24



Cheque Type – Inward STP Express Cheque Acknowledgement (13)

Batch No. – 113123456

20070327022414010113123456ISXA.MMYR









3. Response 1 Acknowledgement response for the STP Express Cheque.

P – Positive

N - Negative



B.2.37 Outward End-Of-Day Trailer File

Filename: Date(8)BankType(2)Bank(2)Branch(5)999999999XXXX.MMYR


Pg B-38









Bank Code – 24



Transaction Type – OWNM

20070327022414010999999999OWNM.MMYR


EOD Trailer File Detail Header Record (first record 1060 bytes)

1. MICR DS 1024 Digital Signature for EOD trailer file

2. Total Item Count 10 The total number of MICR items for the bank branch

3. Total Amount 16 The total amount for the bank branch

4. Total Image Count 10 The total number of image items for the bank branch

EOD Trailer File Detail Record (subsequent records 33 bytes each)

1. Batch Number 9 Unique Identification Code

2. Batch Item Count 4 The total number of MICR items for the batch

3. Batch Amount 16 The total amount of the MICR batch

4. Batch Image Count 4 The total number of image items for batch

B.2.38 Inward End-Of-Day Trailer File

Filename: Date(8)BankType(2)Bank(2)Branch(5)999999999XXXX.MMYR



Bank Code – 24



Transaction Type – IWNM

20070327022414010999999999IWNM.MMYR


EOD Trailer File Detail Header Record (first record 1060 bytes)

1. MICR DS 1024 Digital Signature for EOD trailer file

2. Total Item Count 10 The total number of MICR items for the bank branch

Pg B-39










4. Total Image Count 10 The total number of image items for the bank branch

EOD Trailer File Detail Record (subsequent records 33 bytes each)

1. Batch Number 9 Unique Identification Code

2. Batch Item Count 4 The total number of MICR items for the batch

3. Batch Amount 16 The total amount of the MICR batch

4. Batch Image Count 4 The total number of image items for batch

B.2.39 FI Type File

Filename: Date(8)FIType.ALL


20070327FIType.ALL


1. FI Type Code 2 FI Type code. E.g. 01 for BNM or 02 for Conventional

2. FI Type Description 50 FI Type Description

B.2.40 Bank File

Filename: Date(8)Bank.Currency(3)


Currency – MYR

20070327Bank.MYR


1. FI Type 2 FI Type code. E.g. 01 for BNM or 02 for Conventional

2. Bank Code 2 Bank Code

3. Bank Short Name 30 Bank short name

4. Bank Name 50 Bank name

B.2.41 Branch File

Filename: BKBRInfoyyyymmdd.txt


BKBRInfo20070327.txt

Pg B-40









Header

1 Date 8 Generation Date (in YYYYMMDD)

2 Filler 106

Detail

1 BankBranch 7 Bank Branch Code

2 Bank Name 30 Bank Name

3 Branch Name 30 Branch Name

4 Town Name 30 Town Name

5 State Code 2 State Code

6 Zone Type 1 Zone Type

7 Zone Code 2 Zone Code

8 Bank Type 2 Bank Type

9 Update Date 8 Transaction last update date (yyyymmdd)

10 Mailbox 1 Use for GWC only

11 Business Type 1 Business Type for the Branch. 1=Conventional, 2=Islamic (SPI)

Footer

1 Tag 6 ‘TOTAL: ‘

2 TotalNumber 4 Total number of records

3 Filler 104 Filler

Note: There is a newline (CRLF) after each record.

B.2.42 Transaction Type File

Removed

B.2.43 Transaction Code File

Filename: Date(8)TransactionCode.Currency(3)


Currency – MYR

20070327TransactionCode.MYR


1. Transaction Code 2 Transaction code

2. TC Description 150 Transaction code description

Pg B-41








B.2.44 Return Code File

Filename: Date(8)ReturnCode.Currency(3)


Currency – MYR

20070327ReturnCode.MYR


1. Return Code 2 Return code

2. Return Code Description 100 Return code description

3. Re-presentable 1 Y for Yes

N for No

B.2.45 Error Codes File

Date(8)ErrorCode.ALL


20070327ErrorCode.ALL


1. Error Code 4 4 digit error code

2. Error Description 100 Error description

B.2.46 Inward File

File Name: BankType(2)BankCode(2)Year(4)Month(2)Day(2)INW.Currency(3)

No Field Length Remarks

Header Record (Record Length: 15)

1. Header Indicator 3 Value “HDR”

2. Bank Type 2 Paying Bank Type

3. Bank Code 2 Paying Bank Code

4. Date 8 Date of exchange (YYYYMMDD)

Detail Record (Record Length: 86)

1. Detail Indicator 3 Value “DTL”

2. Check Digit 2 Check digit on the cheque (Blank or Numeric)

Pg B-42









3. Serial Number 6 Serial number on the cheque

4. Paying Bank Type 2 The Bank Type according to Bank/Branch list provided by eSPICK Host every day.

5. Paying Bank Code 7 Bank-State-Branch code on the cheque

6. Account Number 10 Account number on cheque

7. Transaction Code 2 Transaction code on the cheque

8. Amount 10 Amount in cents (right justified with leading zeroes).


10. Presenting Bank Code 7 Presenting Bank-State-Branch code

11. Cheque Type 2 Transaction type

12. UIC 30 The sequence number of the document assigned at the point of capturing

13. Non-Conformance 1 Non-Conformance flag

14. IQA 1 IQA flag

15. Document-To-Follow 1 Applicable for Banker’s Acceptance Only

Trailer Record (Record Length: 24)

1. Trailer Indicator 3 Value "TOT"

2. Total Amount 15 The total amount of inwards in cents

3. Total Record 6 The total number of inward items

NOTE:

� File is generated by GWC (this generation is initiated by user at the end of the day)

� File will be created at Bank Type and Bank Code level, i.e. one file for each bank type and bank

code.

� Each record will be followed by a carriage return line feed (CRLF).

� Records will be sorted by:

1. Presenting Bank

2. Presenting Branch

B.2.47 Inward Return File

File Name: BankType(2)BankCode(2)Year(4)Month(2)Day(2)IRF.Currency(3)


Header Record (Record Length: 15)

Pg B-43









1. Header Indicator 3 Default Value = ‘HDR’

2. UPI Date 8 UPI Date YYYYMMDD

3. Presenting Bank Type 2 Presenting Bank Type

4. Presenting Bank Code 2 Presenting Bank Code

Detail Record (Record Length: 196)

1. Detail Indicator 3 Default Value = ‘DTL’

2. Clearing Date 8 Cheque Clearing Date (YYYYMMDD)

3. UIC 30 Unique cheque sequence number

4. Presenting Bank Type 2 Bank Type for Presenting Bank.

5. Presenting Bank Code 2 Bank Code for Presenting Bank.

6. Presenting Branch Code 5 State Code (first 2 digit) and Branch number within the state (next 2 digit) and check digit (last digit) for Presenting bank.

7. Check Digit 2 Check digit on the cheque

8. Cheque Number 6 Cheque Number

9. Paying Bank Type 2 Bank Type

10. Paying Bank Code 2 Bank Code for Paying Bank.

11. Paying Branch Code 5 State Code (first 2 digit) and Branch number within the state (next 2 digit) and check digit (last digit) for Paying Bank.

12. Account Number 10 Payer Account Number (Paying Bank)

13. Transaction Code 2 Code for Transaction Type

14. Amount 10 Cheque Amount (include 2 digit for decimal amount)

15. Return Code 2 Reason for cheque returned

16. Return Count 3 Number of times the item has been returned

17. Cheque Type 2 Transaction Type

18. Return Reason 100 Free text return reason

Trailer Record (Record Length: 28)

1. Trailer Indicator 3 Default Value = ‘TRL’

2. Paying Bank Type 2 Bank Type for Paying Bank.

3. Paying Bank Code 2 Bank Code for Paying Bank.

4. Total Record 6 Total record in for this Paying Bank

5. Total Amount 15 Total UPI amount for this Paying Bank

Summary Record (Record Length: 24)

1 Summary Indicator 3 Default Value = ‘TOT’

2 Total Record 6 Total record in this file (Not include header and footer)

3 Total Amount 15 Total UPI amount from this file

Pg B-44








NOTE:

� File is generated by GWC (this generation is initiated by user at the end of the day)

� File will be created at Bank Type and Bank Code level, i.e. one file for each bank type and bank

code.

� Each record will be followed by a carriage return line feed (CRLF).

� Records will be sorted by:

1. Paying bank

2. Paying branch

Pg C-1








C. Image Format C.1 INTRODUCTION

This section describes the CTCS TIFF, a tag-based file format for storing and

interchanging raster images for clearing system, which is tailored to wrap/unwrap from/to

three images (two B/W CCITT group 4 compressed tiff images and one 8-bit grayscale

JPEG compression image) to/from one multi-page (here it is 3-page) tiff image. The

purpose of this appendix is to generate a TIFF 6.0 compatible multi-page image which can

be manipulated by some advanced image software that can deal with extension definition

of TIFF format as well as to provide a compact and manageable easy means for clearing of

such images.

CTCS TIFF format defines the specification of a multi-page tiff file in which there are two or

more TIFF bi-level images compressed with CCITT 4 standard and one or more 8-bit gray

scale JPEG images compressed by baseline JPEG algorithm. The images are chained by

the IFD one by one. For the JPEG file, we leave the original JPEG interchange format

untouched as a whole stream and only the necessary information, such as the attributes of

image and offset to the quantization tables are extracted using the standard TIFF 6.0 tags.

This is to ensure the image in CIT TIFF format is readable for the advanced image viewer

supporting Extension TIFF 6.0. The original image filename is also saved in the multipage

CTCS TIFF file for the future unwrapping processing of CTCS TIFF file. Image is expected

to be single strip. Should multiple strip images be provided, it must be accompanied with

the JPEGRESTARTINTERVAL tag.

The file above has been established by the technical team to be of an average size of 50

KBytes with the 3 said images. To achieve the above size, the following specifications

were set:

JPEG file (front image) – 100dpi or 120dpi,

Quality= minimum value 35,

256 level gray;

CCITT 4 (front image) – 200dpi or 240 dpi;

CCITT 4 (back image) – 200dpi or 240 dpi.

Depending on the design of the cheques, the JPEG image file size should be maintained

Pg C-2








within an average size of 30K.

It is expected that there will be technology change in the future; such technology

advancement may result in improvement in the image settings such as dpi resolution and

level of gray. In this respect, the acceptance of new technology must first be tested and

confirmed by BCSIS.

C.2 MOTIVATION

TIFF describes image data that typically comes from scanners, frame grabbers, and paint-

and photo-retouching programs. A primary goal of TIFF is to provide a rich environment

within which applications can exchange image data.

TIFF has always supported what amounts to a singly linked list of image file directory

(IFD)’s in a single TIFF file, via the “next IFD pointer,” though most applications currently

ignore any IFD beyond the first one. So we choose TIFF format to wrap our multi-

page/multi format images into one disk file.

C.2.1 Features of TIFF

- TIFF is capable of describing bi-level, grayscale, palette-color, and full-color image

data in several color spaces.

- TIFF includes a number of compression schemes that allow developers to choose

the best space or time trade-off for their applications.

- TIFF is not tied to specific scanners, printers, or computer display hardware.

- TIFF is portable. It does not favor particular operating systems, file systems,

compilers, or processors.

- TIFF is designed to be extensible—to evolve gracefully as new needs arise.

- TIFF allows the inclusion of an unlimited amount of private or special purpose

information.

- TIFF is extensible; some new extension such as a new compression scheme

JPEG is included in TIFF 6.0.

- TIFF does not prohibit tags and values allocated in the private number range from

being included in a future revision of TIFF specification.

C.3 ORGANIZATION

This section is organized as follows:

� Introduction of this section and

Pg C-3








� Definition of CTCS TIFF format.

For simplicity, only tags used in CTCS TIFF format are listed.

C.4 CTCS TIFF FORMAT

The syntax of CTCS TIFF file conforms to the syntax of TIFF 6.0. Some extension tags

defined in TIFF specification 6.0 are used in CTCS TIFF format.

The 1st IFD is fixed at position 8. The 2nd IFD depends on the size of the JPEG image

and the 3rd IFD depends on the size of the JPEG and bitonal front.

One typical example of such extension is as follows:

C.4.1 Specification of baseline CTCS TIFF format

The baseline CTCS TIFF format is designed for only one cheque in which two bi-level

images and one 8-bit gray scale image compressed by baseline JPEG are wrapped.

The syntax of baseline CTCS TIFF format is as follows:

TIFF Header (8 byte)

1st IFD

(8-bit grayscale image)

Appendix of 1st IFD JPEG Interchange Format Stream

2nd IFD

(B/W front image)

Appendix of 2nd IFD Image data (compressed B/W front image)

3rd IFD

(B/W back image)

Appendix of 3rd IFD Image data (compressed B/W back image)

C.4.2 CTCS TIFF extension sample

The structure of CTCS TIFF file is defined below.

TIFF Header

1st IFD of cheque 1 (JPEG 8-bit Grayscale Image)

appendix of 1st IFD of cheque 1(the value longer than 4 bytes)

JPEG Interchange Format Stream of 8-bit grayscale image of cheque 1

2nd IFD of cheque 1 (Front Image B/W)

appendix of 2nd IFD of cheque 1(the value longer than 4 bytes)

Compressed image data stream of B/W front image of cheque 1

3rd IFD of cheque 1 (Back Image B/W)

appendix of 3rd IFD of cheque 1(the value longer than 4 bytes)

Pg C-4








Compressed image data stream of B/W back image of cheque 1

Notes:

- Only “II” format is supported in CTCS TIFF.

- The offset of IFD in TIFF Header is 1st IFD of cheque.

- All encoded image data will be located by the StripOffsets tag. The actual data

can be put anywhere within the CTCS TIFF file.

- All B/W image can be encoded by the standard encoding algorithm defined in

TIFF 6.0 specification. CCITT T.6 is recommended in this specification.

- All 8-bit gray scale images are encoded by JPEG. Baseline algorithms are

recommended in this specification. The full JPEG stream should be retained in

this file, either in JPEG Interchange Format (JIF) or JPEG File Interchange

Format (JFIF). BCSIS TIFF only specifies the tags pointing the data within the

compressed JIF or JFIF stream.

C.4.3 Required fields for baseline CTCS TIFF file

CTCS TIFF Header

Byte Name Value (in hexadecimal notation)

0-1 ByteOrder 4949

2-3 Version 2A00

4-7 1st IFD offset 08000000

Required fields of IFD in baseline CTCS TIFF are listed below:

TagName Decimal Type Count Value

1st IFD (8-bit JPEG compressed grayscale image)

NewSubFileType 254 LONG 1 0

ImageWidth 256 SHORT or LONG 1 Any

ImageLength 257 SHORT or LONG 1 Any

Pg C-5









BitsPerSample 258 SHORT 1 8

Compression 259 SHORT 1 6

PhotometricInterpretation 262 SHORT 1 0 or 1

DocumentName 269 ASCII 30 File name

StripOffsets 273 SHORT or LONG 1 >0

Orientation @ 274 SHORT 1 Refer to footnote below

SamplesPerPixel 277 SHORT 1 1

RowsPerStrip 278 SHORT or LONG 1 ImageLength

StripByteCounts 279 LONG or SHORT 1 >0

JPEGProc 512 SHORT 1 1

JPEGInterchangeFormat 513 LONG 1 >0

JPEGInterchangeFormatLength 514 LONG 1 >0

JPEGQTables 519 LONG 1 >0

JPEGDCTables 520 LONG 1 >0

JPEGACTables 521 LONG 1 >0

2nd IFD (1-bit CCITT compressed B/W front image)






PhotometricInterpretation 262 SHORT 1 0

Pg C-6










StripOffests 273 SHORT or LONG 1 >0

Orientation @ 274 SHORT 1 Refer to footnote

below




T4Options* 292 LONG 1


3rd IFD (1-bit CCITT compressed B/W back image)






PhotometricInterpretation 262 SHORT 1 0 or 1


StripOffests 273 SHORT or LONG 1 >0

Orientation @ 274 SHORT 1 Refer to footnote

below




Pg C-7











* Footnote

For T4Options or T6Options, one and only one of them should exist in every IFD for 1-bit CCITT compressed B/W image.

@ (This tag is optional)

1 The 0th row represents the visual top of the image, and the 0th column represents the visual left-hand side.

2 The 0th row represents the visual top of the image, and the 0th column represents the visual right-hand side.

3 The 0th row represents the visual bottom of the image, and the 0th column represents the visual right-hand side.

4 The 0th row represents the visual bottom of the image, and the 0th column represents the visual left-hand side.

5 The 0th row represents the visual left-hand side of the image, and the 0th column represents the visual top.

6 The 0th row represents the visual right-hand side of the image, and the 0th column represents the visual top.

7 The 0th row represents the visual right-hand side of the image, and the 0th column represents the visual bottom.

8 The 0th row represents the visual left-hand side of the image, and the 0th column represents the visual bottom.

Default is 1. Support for orientation other than 1 is not a Baseline TIFF requirement.

Pg C-8








C.4.4 Typical CTCS TIFF file

The following is a sample of baseline CTCS TIFF file that adheres to the CTCS format:

Offset(hex) Description Value (in hexadecimal notation)

Header

0000 Byte order 4949

0002 42 2A00

0004 1st IFD offset 0800 0000

1st IFD JPEG Image Tag Type Count Value/offset

0008 Number of IFD entries 1500

000A NewSubfileType FE00 0400 01000000 00000000

0016 ImageWidth 0001 0300 01000000 CF020000

0022 ImageLength 0101 0300 01000000 A5010000

002E BitsPerSample 0201 0300 01000000 08000000

003A Compression 0301 0300 01000000 06000000

0046 PhotometricInterpretation 0601 0300 01000000 01000000

0052 DocumentName 0D01 0200 1E000000 C2010000

005E StripOffsets 1101 0400 01000000 36030000

006A SamplesPerPixel 1501 0300 01000000 01000000

0076 RowsPerStrip 1601 0300 01000000 A5010000

0082 StripByteCounts 1701 0400 01000000 BDD20000

008E XResolution 1A01 0500 01000000 20010000

009A YResolution 1B01 0500 01000000 28010000

00A6 PlanarConfiguration 1C01 0300 01000000 01000000

Pg C-9









00B2 ResolutionUnit 2801 0300 01000000 02000000

00BE JPEGProc 0002 0300 01000000 01000000

00CA JpegInterchangeFormat 0102 0400 01000000 00020000

00D6 JpegInterchangeFOrmatLength

0202 0400 01000000 F5D30000

00E2 JpegQTable 0702 0400 01000000 06020000

00EE JpegDCTable 0802 0400 01000000 58020000

00FA JpegACTable 0902 0400 01000000 79020000

0106 Next IFD (2nd IFD) offset F5D50000

Values longer than 4 bytes

0120 XResolution 80FC0A00 10270000

0128 YResolution 80FC0A00 10270000

01C2 DocumentName 2000101672220010000010001f.jpg

Image Data

0200 JPEGInterchangeFormat data

FFD8 FFDB 0043 0008 0606 0706 0508

2nd IFD Front B/W image Tag Type count Value/offset

D5F5 Number of IFD Entries 1400

D5F7 NewSubfileType FE00 0400 01000000 00000000

D603 ImageWidth 0001 0300 01000000 F0050000

D60F ImageLength 0101 0300 01000000 40030000

D61B BitsPerSample 0201 0300 01000000 01000000

Pg C-10









D627 Compression 0301 0300 01000000 04000000

D633 PhotometricInterpretation 0601 0300 01000000 00000000

D63F Thresholding 0701 0300 01000000 01000000

D64B FillOrder 0A01 0300 01000000 01000000

D657 StripOffsets 1101 0400 01000000 EDD70000

D663 SamplesPerPixel 1501 0300 01000000 01000000

D66F RowsPerStrip 1601 0300 01000000 40030000

D67B StripByteCounts 1701 0400 01000000 1F1B0000

D687 XResolution 1A01 0500 01000000 E5D70000

D693 YResolution 1B01 0500 01000000 DDD70000

D69F T4Options 2401 0400 01000000 00000000

D6AB ResolutionUnit 2801 0300 01000000 02000000

D6B7 Software 3101 0200 4E000000 8FD70000

D6C3 DateTime 3201 0200 14000000 7BD70000

D6CF ChequeNumber (private tag)

2C87 0200 2B000000 35D70000

D6DB DocumentName 0D01 0200 1E000000 17D70000

D6E7 Next IFD (3rd IFD) offset 0CF30000


D717 DocumentName 2000101672220010000010001f.tif

D735 Cheque number E<000002<22=08024:0699981001<01;0000030000;

D77B DateTime 2000:10:17 10:33:34

Pg C-11









D78F Software BCSIS Imaging, Windows, Version 8.2

D7DD YResolution C8000000 01000000

D7E5 XResolution C8000000 01000000

Image Data

D7ED Compressed B/W image data

3rd IFD Back B/W image Tag Type count Value/offset

F30C Number of IFD Entries 1400

F30E NewSubfileType FE00 0400 01000000 00000000

F31A ImageWidth 0001 0300 01000000 F0050000

F326 ImageLength 0101 0300 01000000 40030000

F332 BitsPerSample 0201 0300 01000000 01000000

F33E Compression 0301 0300 01000000 04000000

F34A PhotometricInterpretation 0601 0300 01000000 00000000

F356 Thresholding 0701 0300 01000000 01000000

F362 FillOrder 0A01 0300 01000000 01000000

F36E StripOffsets 1101 0400 01000000 04F50000

F37A SamplesPerPixel 1501 0300 01000000 01000000

F386 RowsPerStrip 1601 0300 01000000 40030000

F392 StripByteCounts 1701 0400 01000000 63010000

F39E XResolution 1A01 0500 01000000 FCF40000

Pg C-12









F3AA YResolution 1B01 0500 01000000 F4F40000

F3B6 T4Options 2401 0400 01000000 00000000

F3C2 ResolutionUnit 2801 0300 01000000 02000000

F3CE Software 3101 0200 4E000000 A6F40000

F3DA DateTime 3201 0200 14000000 92F40000

F3E6 ChequeNumber (private tag)

2C87 0200 00000000 00000000

F3F2 DocumentName 0D01 0200 1E000000 74F40000

F3FE Next IFD (3rd IFD) offset 00000000


F47e DocumentName 2000101672220010000010001b.tif

F492 DateTime 2000:10:17 10:33:34

F4A6 Software BCSIS Imaging, Windows, Version 8.2

F4F4 YResolution C8000000 01000000

F4FC XResolution C8000000 01000000

Image Data

F504 Compressed B/W image data

End of example

Pg D-1








D. Reports

Report ID Report Name

GWCowd300 INSTITUTION SUMMARY - OUTWARD

GWCiwd310 INSTITUTION SUMMARY - INWARD

GWCord320 INSTITUTION SUMMARY - OUTWARD RETURN

GWCird330 INSTITUTION SUMMARY - INWARD RETURN

GWCowd400 BANK SUMMARY - OUTWARD

GWCiwd410 BANK SUMMARY - INWARD

GWCord420 BANK SUMMARY - OUTWARD RETURN

GWCird430 BANK SUMMARY - INWARD RETURN

GWCcon401 BRANCH SUMMARY - OUTWARD

GWCcon411 BRANCH SUMMARY - INWARD

GWCcon421 BRANCH SUMMARY - OUTWARD RETURN

GWCcon431 BRANCH SUMMARY - INWARD RETURN

GWCowd402 BATCH DETAILS - OUTWARD

GWCiwd412 BATCH DETAILS - INWARD

GWCord422 BATCH DETAILS - OUTWARD RETURN

GWCird432 BATCH DETAILS - INWARD RETURN

GWCutd901 INSTITUTION SUMMARY UN-TRANSMITTED BATCHES - OUTWARD

GWCutd902 INSTITUTION SUMMARY UN-TRANSMITTED BATCHES - OUTWARD RETURN

GWCutd903 INSTITUTION SUMMARY UN-TRANSMITTED BATCHES - OUTWARD ACKNOWLEDGEMENT

GWCcon901 INSTITUTION RECONCILIATION - OUTWARD

GWCcon902 INSTITUTION RECONCILIATION - OUTWARD RETURN

GWCcon903 INSTITUTION RECONCILIATION - OUTWARD ACKNOWLEDGEMENT

GWCcon911 INSTITUTION RECONCILIATION - INWARD

GWCcon912 INSTITUTION RECONCILIATION - INWARD RETURN

GWCcon913 INSTITUTION RECONCILIATION - INWARD ACKNOWLEDGEMENT

Pg D-2








REPORT ID: GWCowd300 BANK NEGARA MALAYSIA PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CHEQUE TRUNCATION and CONVERSION SYSTEM CLEARING DATE: DD-MMM-YYYY

HH:NN:SS INSTITUTION SUMMARY - OUTWARD (MYR)

Transaction Type: xxxx - <Transaction Type>

Business Type: Conventional

Received Batches Transmitted Batches

Bank Batch Count Item Count Amount (RM) Batch Coun t Item Count Amount (RM)

99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99

Total for Conventional xxxx : 99,999,999 99,999,99 9 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999.99


Business Type: SPI



99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99

Total for SPI xxxx : 99,999,999 99,999,999 99,999, 999,999.99 99,999,999 99,999,999 99,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999 ,999,999.99 99,999,999 99,999,999 99,999,999,999.99

Pg D-3








REPORT ID: GWCiwd310 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS INSTITUTION SUMMARY - INWARD (MYR)



Bank Batch Count Item Count Amount (RM)

99 <Bank Name> 999,999 9,999,999 99,999,999.99

Total for Conventional xxxx : 99,999,999 99,999,99 9 99,999,999,999.99


Business Type: SPI


99 <Bank Name> 999,999 9,999,999 99,999,999.99

Total for SPI xxxx : 99,999,999 99,999,999 99,999, 999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999 99,999 ,999,999.99

Pg D-4








REPORT ID: GWCord320 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS INSTITUTION SUMMARY - OUTWARD RETURN (MYR)





99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99



Business Type: Islamic



99 <Bank Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99



Pg D-5








REPORT ID: GWCird330 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS INSTITUTION SUMMARY - INWARD RETURN (MYR)




99 <Bank Name> 999,999 9,999,999 99,999,999.99



Business Type: SPI


99 <Bank Name> 999,999 9,999,999 99,999,999.99



Pg D-6








REPORT ID: GWCowd400 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS BANK SUMMARY - OUTWARD (MYR)

Bank: <Code> - <Bank Name>




Branch Batch Count Item Count Amount (RM) Batch Co unt Item Count Amount (RM)

99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99



Business Type: SPI



99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99

Total for SPI xxxx : 99,999,999 99,999,999 99,999 ,999,999.99 99,999,999 99,999,999 99,999,999,999.99


Pg D-7








REPORT ID: GWCiwd410 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS BANK SUMMARY – INWARD (MYR)




Branch Batch Count Item Count Amount (RM)

99999 <Branch Name> 999,999 9,999,999 99,999,999.99



Business Type: SPI


99999 <Branch Name> 999,999 9,999,999 99,999,999.99



Pg D-8








REPORT ID: GWCord420 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS BANK SUMMARY - OUTWARD RETURN (MYR)






99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99



Business Type: Islamic



99999 <Branch Name> 999,999 9,999,999 99,999,999.99 999,999 9,999,999 99,999,999.99



Pg D-9








REPORT ID: GWCird430 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS BANK SUMMARY - INWARD RETURN (MYR)

Bank : <Code> - <Bank Name>




99999 <Branch Name> 999,999 9,999,999 99,999,999.99



Business Type: SPI


99999 <Branch Name> 999,999 9,999,999 99,999,999.99



Pg D-10 Cheque Truncation & Conversion System






20071122 - GWC Interface Specifications v.1.3.doc


REPORT ID: GWCowd401 PAGE: 9 of 9

SYSTEM DATE: DD-MMM-YYYY CLEARING DATE: DD-MMM-YYYY

HH:NN:SS

BANK NEGARA MALAYSIA

CHEQUE TRUNCATION AND CONVERSION SYSTEM

BRANCH SUMMARY - OUTWARD (MYR)

Bank / Branch: <Code> - <Code> <Bank Name> - <Branc h Name>



Batch No. Item Count Amount (RM)

999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99

Total for Conventional xxxx : 999,999 99,999,999 9 9,999,999,999.99


Business Type: SPI


999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99

Total for SPI xxxx : 999,999 99,999,999 99,999,999 ,999.99

GRAND TOTAL FOR XXXX: 999,999 99,999,999 99,999,999 ,999.99









REPORT ID: GWCiwd411 PAGE: 9 of 9


HH:NN:SS


CHEQUE TRUNCATION and CONVERSION SYSTEM

BRANCH SUMMARY - INWARD (MYR)

Bank /Branch : <Code> - <Code> <Bank Name> - <Branc h Name>




999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99



Business Type: SPI


999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99











REPORT ID: GWCord421 PAGE: 9 of 9


HH:NN:SS



BRANCH SUMMARY - OUTWARD RETURN (MYR)





999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99



Business Type: SPI


999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99











REPORT ID: GWCird431 PAGE: 9 of 9


HH:NN:SS



BRANCH SUMMARY - INWARD RETURN (MYR)





999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99



Business Type: SPI


999999999 9,999,999 99,999,999.99

999999999 9,999,999 99,999,999.99



Pg D-14








REPORT ID: GWCowd402 BANK NEGARA MALAYSIA Page: 9 of 9


HH:NN:SS BATCH DETAILS REPORT – OUTWARD (MYR)

Bank / Branch: <Code> – <Code> <Bank Name> - <Branc h Name>



Batch : 999999999

UIC Pay Bk Pay Br Serial Account TC Non Conf. IQA A mount (RM)

999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99

Total Count for Batch 999999999: 99,999,999 99,999,999,999,999.99

Total for Conventional XXXX : 99,999,999 99,999,999,999,999.99

Business Type : SPI

Batch : 999999999


999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99


Total for SPI XXXX : 99,999,999 99,999,999,999,999.99

GRAND TOTAL FOR XXXX : 99,999,999 99,999,999,999,999.99

Pg D-15








REPORT ID: GWCiwd412 BANK NEGARA MALAYSIA Page: 9 of 9


HH:NN:SS BATCH DETAILS REPORT – INWARD (MYR)

Bank / Branch : <Code> – <Code> <Bank Name> - <Bran ch Name>

Transaction Type : xxxx - <Transaction Type>

Business Type : Conventional

Batch : 999999999


999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99



Business Type : SPI

Batch : 999999999


999999999999999999999999999999 99 99999 999999 9999999999 99 9 9 99,999,999.99



GRAND TOTAL FOR XXXX : 99,999,999.99 99,999,999,999,999.99

Pg D-16








REPORT ID: GWCord422 BANK NEGARA MALAYSIA Page: 9 of 9


HH:NN:SS BATCH DETAILS REPORT – OUTWARD RETURN (MYR)




Batch : 999999999

UIC Return Code Return Reason Amount (RM)

999999999999999999999999999999 99 <Free Text Return Reason> 99,999,999.99



Business Type : SPI

Batch : 999999999

UIC Return Code Return Reason Amount (RM)

999999999999999999999999999999 99 <Free Text Return Reason> 99,999,999.99




Pg D-17








REPORT ID: GWCird432 BANK NEGARA MALAYSIA Page: 9 of 9


HH:NN:SS BATCH DETAILS REPORT – INWARD RETURN (MYR)




Batch : 999999999

UIC Pay Bk Pay Br Serial Account TC Return Code Ret urn Reason Amount (RM)

999999999999999999999999999999 99 99999 999999 9999999999 99 99 <Free Text Return Reason> 99,999,999.99



Business Type : SPI

Batch : 999999999

UIC Pay Bk Pay Br Serial Account TC Return Code Ret urn Reason Amount (RM)

999999999999999999999999999999 99 99999 999999 9999999999 99 99 <Free Text Return Reason> 99,999,999.99




Pg D-18








REPORT ID: GWCutd901 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS INSTITUTION UNTRANSMITTED BATCHES - OUTWARD (MYR)

Transaction Type : XXXX - <Transaction Type>

Business Type Bank Branch Batch No. Item Count Amou nt (RM) MICR Status Image Status Error Code

99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> <Transaction Status> 9999


Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99


Business Type Bank Branch Batch No. Item Count Amou nt (RM) MICR Status Image Status Error Code



Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

Pg D-19










HH:NN:SS INSTITUTION UNTRANSMITTED BATCHES - OUTWARD RETURN (MYR)


Business Type Bank Branch Batch No. Item Count Amou nt (RM) MICR Status Error Code

99 99 99999 999999999 999,999 999,999,999.99 <Transaction Status> 9999


Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99





Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

Pg D-20










HH:NN:SS INSTITUTION UNTRANSMITTED BATCHES - OUTWARD ACKNOWLEDGEMENT (MYR)





Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99





Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

Pg D-21








REPORT ID: GWCon901 BANK NEGARA MALAYSIA PAGE: 9 of 9


HH:NN:SS INSTITUTION RECONCILIATION - OUTWARD (MYR)

SUMMARY


Transmitted End-Of-Day Trailer

Business Type Bank Batch Count Item Count Amount ( RM) Batch Count Item Count Amount (RM)

99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999,999.99




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 99,999,999,999,999.99

EXCEPTIONS – DIFFERENCES


Item Count Amount (RM)

Business Type Bank Branch Batch No. Transmitted EOT Difference Transmitted EOT Difference

99 99 99999 999999999 999,999 999,999 99 99,999,999.99 99,999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99



Pg D-22









99 99 99999 999999999 999,999 999,999 99 99,999,999.99 99,999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99

EXCEPTIONS – AVAILABLE IN EOT ONLY


Business Type Bank Branch Batch No. Item Count Amou nt (RM)

99 99 99999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

EXCEPTIONS – AVAILABLE IN GWC ONLY



99 99 99999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

Pg D-23










HH:NN:SS INSTITUTION RECONCILIATION - OUTWARD RETURN (MYR)

SUMMARY




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99



Business Type Bank Batch Count Item Count Amount (RM) Batch Count Item Count Amount (RM)

99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99





99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99

Transaction Type : XXXX - <Transaction Type


Pg D-24









99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

Pg D-25










HH:NN:SS INSTITUTION RECONCILIATION - OUTWARD RETURN (MYR)

SUMMARY




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

EXCEPTIONS - DIFFERENCES




99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99



Pg D-26









99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99,999,999,999.99 99,999,999,999.99 99.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Pg D-27










HH:NN:SS INSTITUTION RECONCILIATION - INWARD (MYR)

SUMMARY


Downloaded End-Of-Day Trailer


99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99

EXCEPTIONS - DIFFERENCES



Business Type Bank Branch Batch No. Downloaded EOT Difference Downloaded EOT Difference

99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99



Pg D-28









99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

Pg D-29










HH:NN:SS INSTITUTION RECONCILIATION - INWARD RETURN (MYR)

SUMMARY




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99





99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99



Pg D-30









99 99 999999 999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,999.99

Pg D-31










HH:NN:SS INSTITUTION RECONCILIATION - INWARD ACKNOWLEDGEMENT (MYR)

SUMMARY




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 9,999,999 99,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99




99 99 <Bank Name> 999,999 999,999 999,999,999.99 999,999 999,999 999,999,999.99

Total for XXXX 99,999,999 999,999,999 99,999,999,999.99 99,999,999 99,999,999 999,999,999,999.99





99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99



Pg D-32









99 99 999999 999999999 999,999 999,999 99 99,999,999.99 999,999.99 99.99

Total for XXXX 999,999 99,999,999 99,999,999 99 99, 999,999,999.99 99,999,999,999.99 99.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99




99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99



99 99 999999 999999999 999,999 99,999,999.99

Total for XXXX 999,999 99,999,999 99,999,999,999,99 9.99

Pg E-1





All Rights Reserved by



E. Workflow Illustration

This section illustrates the steps required to transmit and download transactions to eSPICK Host using the

Gateway Client.

E.1 OUTWARD

Steps System Description

Outward

Step 1 Bank’s OCS � Perform cheque capturing (For transactions with physical instrument for capturing)

� Create transaction (For transactions without physical instrument for capturing)

� Perform IQA on cheque images (Only applicable to transactions with image)

� Perform reject repair (if any)

� Perform data entry (if required)

Step 2 Bank’s OCS � Prepare and create MICR and Image files for GWC (data and images already signed at item-level)

� Place MICR and Images files in the pre-defined folders

o Create “Clearing Date” folder in shared folder

o Create “Bank Type/Bank/Branch” folder in “Clearing Date” folder

o Create “Batch Number” folder in “Bank Type/Bank/Branch” folder

� Create Transmission-List-File (TLF)

� Create Start-Transfer-Indicator (STI) file

� Place Transmission-List-File in “Ready” folder

� Place Start-Transfer-Indicator in “Ready” folder

Step 3 GWC � Upon detecting the STI file in the “Ready” folder, GWC will

- Move the TLF and STI from “Ready” folder to “Process” folder

- Start to validate and process the files as indicated in the TLF

Step 4 GWC � For each batch in the TLF, a transfer status (TFS) file with a .GWC extension will be created and placed together with the corresponding MICR file by GWC. This file will contain the status of the transfer.

� For all batches successfully received at GWC, the transactions will be updated to the GWC database.

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Outward

Step 5 GWC � Scenario 1

All batches in the transmission list file are received successfully by GWC. TLF and STI will be moved from “Process” folder to “Completed” folder

� Scenario 2

Errors encountered during the validation and processing of the files indicated in the TLF. TLF and STI will be moved from “Process” folder to “Error” folder

In both scenarios, a Transmission-List-Status file (TLS) will be created and placed together with the TLF and STI (either “Completed” or “Error” folder)

This file is with a .RESP extension and will contain the status of each MICR batch file indicated in the TLF

Step 6 GWC � For each successful batch received by GWC, GWC will

- Perform batch signing

- Perform file encryption

- Attempt to establish a session with eSPICK Host and transmit the batch to eSPICK Host

- For each attempt, a transmission status (TXS) file with a .CTCS extension will be created and placed together with the corresponding MICR file. This file will contain the status of the transmission.

Pg E-3








Example

Clearing Date 18th June 2007 (20070618)

Presenting Bank Type – Bank – Branch

Bank Negara Malaysia – KL 01-01-14103 (010114103)

Currency MYR (1)

Transaction Type OWNM (01)

Batch Number 101123456 where 1st digit ‘1’ represents Currency 2nd and 3rd digit ‘01’ represents transaction type

Number of Items 3

Total Batch Amount RM. 23,456.78

Item Details

Item #1

UIC 200706180101141031011234560001

Paying Bank Type 02

Paying Bank 88

Paying Branch 12345

Cheque Number 123111

Check Digit 01

Transaction Code 01

Account Number 0011223344

Amount 23,000.00

Non Conformance 0

IQA 1

Clearing Date Presenting Bank Branch Batch Number Item Sequence No.

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Item #2

UIC 200706180101141031011234560002

Paying Bank Type 02

Paying Bank 88

Paying Branch 12345


Check Digit 02

Transaction Code 02


Amount 400.00

Non Conformance 2

IQA 1

Item #3

UIC 200706180101141031011234560003

Paying Bank Type 02

Paying Bank 88

Paying Branch 12345


Check Digit 03

Transaction Code 03


Amount 56.78

Non Conformance 3

IQA 1

ASSUMPTION: Pre-defined shared folder is C:\GWC\

Pg E-5








Step 1: Capture MICR and Images; perform reject repair and data entry (if applicable). Step 2: Creating and placing the MICR file, Image files, Transmission-List-File and Start-Transfer-Indicator

file.

MICR File

� 20070618010114103101123456OWNM.MMYR

Note: MICR files must be created according to the file format indicated in the GWC Interface Specs according to the required transaction type

Image Files

� 200706180101141031011234560001.IMG � 200706180101141031011234560002.IMG � 200706180101141031011234560003.IMG

Note: Image files must be created according to the image file format indicated in the GWC Interface Specs.

Transmission List File (TLF)

� 20070618010114103-000000001.LST

Start Transfer Indicator (STI)

� 20070618010114103-000000001.ZST

Note: Contents of this file will not be read by GWC

IMPORTANT: This file MUST be placed in the “Ready” folder when all MICR and/or image files and the TLF are in their respective folders.

TLF

STI

MICR

IMG IMG IMG

Clearing DateBank Type / Bank / Branch

Batch Number

Pg E-6








Step 3: GWC picks up the TLF and indicated MICR and image files from the TLF upon detecting the STI file.

Step 4: At the end of the validation and processing of each MICR batch, a Transfer-Status-File (TSF) with a .GWC extension will be created. This file will be placed in the location where the corresponding MICR file is residing. This file contains the status of the validation and processing of the MICR batch.

Step 5: Depending on the status of the validation and processing of the MICR and image files indicated in the TLF, the TLF and STI will be moved to the “Completed” or “Error” folder accordingly.

A Transmission-List-Status (TLS) file will also be created and placed together in the final location of the TLF and STI. This .RESP extension file will contain one entry for each MICR file indicated the status of each batch.

Successful transfer

TLF STI

TLF STI TLS

TSF

MICR

IMG IMG IMG

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Failed transfer

Step 6: For each attempt, a transmission status (TXS) file with a .CTCS extension will be created and placed together with the corresponding MICR file. This file will contain the status of the transmission.

The workflow is further elaborated in the following diagram.

TLF STI TLS

TXS

MICR

IMG IMG IMG

Pg E-8








START

Batch withphysical

instrument?

Capture Item(s) inBatch

Create Item(s) inBatch

NoYes

OREM Outward Representment OKCM Outward Conversion Cheque OSCM Outward SI (CR) OSDM Outward SI (DR) ONRM Outward Normal Return OBRM Outward Banker’s Acceptance Return OKRM Outward Conversion Cheque Return OCRM Outward SI (CR) Return ODRM Outward SI (DR) Return OXCA Outward Express Cheque ACK OSXA Outward STP Express Cheque ACK

Perform IQA onimages

Reject Repair and/or Data Entry

OWNM Outward Normal OXCM Outward Express Cheque OSXM Outward STP Express Cheque OBAM Outward Banker’s Acceptance NCHM Non-Clearing House Cheques

Create MICR File

Create ImageFile(s) and place in

folder

Perform ItemSigning (Data &

Image)

Place MICR file infolder

Create TFL andplace in folder

Create STI andplace in folder

TLS fileavailable?

Check forcorresponding TLF

No

YesCheck for batch

level TFS (.GWC)

Batchtransferred

successfully?Yes

Check for batchlevel TXS (.CTCS)

Batch TXSavailable?

No

END

No

Yes

Update BatchTransfer Status to

Bank’s OCS

Update BatchTransmission

Status to Bank’sOCS

E.2 INWARD

Pg E-9









Inward

Step 1 GWC � Create download requests

Download requests creation is done via the GWC Web. Authorised user will login to the GWC web and create download requests based on:

1. Currency

2. Bank Type

3. Bank Code

4. Branch Code

5. Transaction Type

6. Mailbox

Sample download request screen:

Step 2 GWC � For each download request, GWC will attempt to establish a session with eSPICK Host and download the inward batches if available.

� Downloaded inward files (MICR and/or image) will be decrypted, batch signature verified and updated to the GWC database.

Pg E-10









Inward

Step 3 GWC At End of Day (After all inward and End-Of-Day trailer (EOT) files are downloaded). GWC will:

� Perform auto-reconciliation by comparing the transactions in GWC and the EOT.

Upon ensuring that there is no exception, i.e. difference between the transactions in GWC and the EOT is zero, the GWC user can activate the inward file creation process. This will create a consolidated inward file based on the downloaded inward files from eSPICK Host.

Step 4 Bank’s ICS Bank’s ICS can make use of the inward files (.MMYR) files downloaded from eSPICK Host or the consolidated inward file created by GWC.

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F. Handling Non-Conforming Cheques

Collecting banks shall tag all non-conforming and mutilated cheques, when creating the outward file for

submission to CTCS. Please refer to Appendix A.5 – Non-Conformance Flags for the flag values and their

corresponding descriptions.

After the clearing file has been submitted to eSPICK Host, any subsequent amendment to the tagged item

can only be made through the CTCS Web Browser as follows:

– Change Flag Values 0, 1, 2, 3, 4, 5 to 6 or 7

– Change Flag Values 6 to 7

Such amendment can be made anytime within the Flags Update Window Time i.e. by 11.30 pm on the same

clearing day.

Collecting banks are not allowed to change Flag Val ue 7 to 0, 1, 2, 3, 4, 5 and 6.

Paying banks will retrieve these items through Enquiry Function via CTCS Web Browser. The CTCS Web

Browser will display the UIC with the corresponding MICR information of all cheques with apparent

alteration(s) entered by the respective Collecting banks. The screen will also display a message to indicate

whether the ‘Flags Update’ window is open or close.

Large value cheques shall be tagged with Flag Value 9. This Flag Value cannot be amended after the

clearing file has been submitted to eSPICK Host.

Pg F-1








F.1 FILE FORMAT OF NON-CONFORMING ITEMS

CTCS Web Browser allows banks to generate their non-conforming items updated through the web in a text

file. This file should be downloaded from the CTCS Web after the 11:30 pm cutoff time for updates of the Non

Conformance flag. Please note that this file only provide the list of items updated by the Collecting banks via

the CTCS Web.

File Name: <YYYYMMDD><PayBankType><PayBankCode>NCF.txt

No Field Length Remarks Detail Record (Record Length: 39)

1 Date 8 Clearing Date (YYYYMMDD) 2 UIC 30 The sequence number of the document

assigned at the point of capturing 3 Non-Conformance

Flag 1 Value is 6 or 7

NOTE:

� Each record will be followed by a carriage return. � Only those record will be generated for which value was updated by presenting bank through the web. � Records will be sorted by:

1. UIC

Pg G-1








G. Handling Large Value Cheques

For cheques with ringgit values more exceeding 10 digits, e.g. RM 100,000,000.00, collecting banks shall

scan the original cheque an appropriate number of times (2 or more times, depending on the cheque value)

with their individual cheque values amounting to a total of RM100,000,000.00. These items must be tagged

with Flag Value 9 using the Non-Conformance Flag to indicate that this series of cheques belong to a large-

value item.

Please refer to Appendix A.5 – Non-Conformance Flags for the flag values and their corresponding

descriptions.

Pg H-1








H. Processing of Foreign Cheques

For cheques issued in foreign currency and drawn on a bank in Malaysia, the processing of these cheques

under eSPICK environment will be same as the current practice, i.e. collecting banks are required to convert

the amount into RM, capture the cheque image, create the MICR codeline information with Transaction Code

of 52 and submit the items to CTCS for clearing.

eSPICK will allow the banks to share information pertaining to the exchange rate used for the conversion of

cheque amount into RM.

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I. Business Continuity Plan

The following table list high-level descriptions of the contingency scenarios identified in CTCS that affect

banks operations.

No. Scenario Business Requirements Technical Requirements

1 System (both production and backup) not operable at banks

• Clearing operations to continue operating without any business disruption

• Banks concerned required to set up their own business continuity plan (BCP) to support CTCS operation

-

2 Network (NWI connection to BNM) failure at any bank


• Banks concerned need to submit clearing information in CDs to BNM

• BNM needs to generate inward files and critical reports in CDs for the banks concerned

• System is capable to handle this situation however there is only one Gateway Client system located at BNM for contingency purpose.

• Install banks’ certificates in PKI LDAP server

2 Total network (NWI) failure


• Banks need to submit clearing information in CDs

• BNM needs to generate inward files and critical reports in CDs for all Paying banks

• System is capable to handle this situation however there is only one Gateway Client system located at BNM for contingency purpose

• Install banks’ certificates in PKI LDAP server

4 Application (eSPICK) failure

- System down for more than 1 working day

Activate manual clearing -

Pg J-1








J. Procurement

J.1 COSTS

3.2.3 License and Installation Cost

License: RM 16,000 per bank per site.

Installation: RM 3,000 per installation

3.2.4 Annual Maintenance Cost

Annual Maintenance per license: RM2,080

J.2 CONTACTS AND TIMELINE

J.2.1 Contact Information

Name: Rennie Ang

Email: [email protected]

Tel: (603) 2692 3848

Name: Lum Chee Wei

Email: [email protected]

Tel: (603) 2692 3848

J.2.2 Timeline

To procure GWC software by 1 Oct 2007.








End of Document

Documents

20071122 - GWC Interface Specifications v.1.3