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Our ISO20022 Future

XML Editor

X9Ware has developed a core system, written completely in Java, that currently supports three transactional environments: X9.37, ACH, and CPA005 (we refer to these as dialects). In order to do this, our SDK internals operate logical on the basis of transactions, which are logically one or more credits offset by one or more debits. There is no absolute assumption as to whether credits appear first or last within a transaction set.

X9Assist is built on top our SDK and also supports all three transactional environments (X9.37, ACH, and CPA005). It does so using a common User Interface (UI) while implementing the same logical tools across all dialects. These tools include such functions as browse, validate, find, search/replace, modify, filter, import, export, make, generate, create, clone, repackage, print, merge, compare, and so forth. All tools support all dialects.

With our R4.11 release, we have added a generic XML Editor which is capable of browsing and editing any XML file, based on the elements contained within. This editor supports a multi-level XML file, where the underlying data structure can have repetitive groups, with no immediate limit on the number of levels within the file. In earlier releases, we also developed a process to convert an ACH file to the PAIN xml format.

We have gone through these various efforts mostly as a learning experience, but also to create both knowledge and building-blocks that we could use for future ISO20022 support. Our general thought would be to support ISO2002 as another SDK dialect, with X9Assist then implementing all of our common tools for that transactional format.

We realize that this would be a huge endeavor. We also realize that ISO200 is much more an online messaging format, and not typically used on a batch basis, as is the case for our currently supported dialects. We have been watching the world-wide usage of ISO20022 grow, and believe that there may be a future for our tools in that environment. Please contact us if you have interest, because we would like to talk more about where X9Ware tools might have applicability for ISO20022 users.

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