Modern Returns Processing for Your Core Banking Platform

X9 Returns Architecture

X9 Returns is a Windows-based enterprise software system for automating the processing of return transit items.

X9 Returns ingests X9/ICL return files and automatically matches them to the original transit transactions. Return items can then be re-deposited based on business rules or routed to internal departments for processing.

9 Returns operates on a Windows Server platform with a SQL database. X9 Returns will receive and store X9 Image Cash Letter (ICL) files received from different sources:

  • Forward presentment transit items
  • Return files from the Federal Reserve Bank or other exchanges

X9 Returns includes a web server application for operational and research activities. ICL files are stored in a SQL file system database.

Available Product Functions

  • Forward/Return item linking
  • Duplicate file and item detection
  • Auto-representment of eligible items
  • Auto-item routing to business units
  • User review/disposition of returned items
  • On-screen research and viewing of items
  • Print IRDs and/or advice letters
  • User rights/roles administration


  • Provides efficient and automated transit returns processing
  • Shortens return item cycle time thus reduce reserve requirements
  • Improves accuracy of returns processing by automatic match to original
  • Reduces fraud lost by automatically flagging items for quick review
  • Accelerates returns process to meet regulatory compliance deadlines
  • Scales for large or small financial organization
  • Reduces technology risks by using standard database and file formats


  • Automatically imports transit X9/ICL files and stores data in SQL database
  • Support for X9 file format variants including X9.37, UCD, CPA 15 and 50 bank remote deposit files
  • Enables research and return processing of received items via web browser based application
  • Automatic generation of redeposit items and ICL files
  • Automatic workflow routing for departmental processing
  • Scalable to more than 125 users

Forward Presentment Workflow

In forward presentment, the bank's check item processing system adds the depositor's account number to the forward presentment ICL file containing transit items and routes it to X9 Returns.  X9 Returns stores transaction data in its SQL database.  then it recreates the forward presentment ICL file (this time without the depositor's account number for privacy) and makes it available for transmission to the bank's exchange partner.  This is shown below.

forward presentment workflow

Return Item Workflow

When returned items ICL files are received from the bank's exchange partner, X9 Returns captures all of the returned item data and matches it up with the original forward presentment item.  Depending on local rules and configuration, the item may be automatically incorporated into an ICL file for redeposit.  Items not eligible for automatic redeposit are  routed to operators who can perform on-screen data completion and/or routing to the appropriate department for further disposition.  Item that will be returned to the depositor as unpaid may be printed as IRDs with or without an advice letter.  This is shown below.

returns workflow



About Downloaded Software

All my Papers software is available for download for trial and production use and in some cases, demo use.

  • Demo Use - You may download the software and install it - limited functionality is available without any licenses.  Products without demo functionality will require a license to use.
  • Trial Use - Qualified customers may obtain a temporary license to enable product features for trial use (usually 30-days) by contacting 
  • Production Use - When you purchase an All My Papers software license, you will be issued a license enabling it use on one workstation or server.  Licenses come with three years of support and maintenance.

  • After Sales Consultation - Some of our enterprise applications (like X9 Returns and X9 Clearing) are only made available for download after a consutation with our sales group.


To obtain a trial of X9 Returns, please contact Bill Lange -


Case Study

Automation of Inclearing Return Items - A Case Study

Download a PDF Version

While check volumes in the U.S. have been steadily decreasing over the last 20 years, even at today’s volume, more than $86 Billion in transit items are returned to Banks of First Deposit (BOFD) each year. The introduction of image processing to the clearing of checks has increased the efficiency of the exchange system such that the Federal Reserve Bank now processes all checks at a single location eliminating the concept of a “nonlocal” check, reducing the clearance time and the opportunities for holds on deposited funds. These changes require that returned transit returns be processed as efficiently and expediently as possible to reduce risk of financial loss.

In 2014, All My Papers (AMP) was approached by a large regional financial institution seeking help to automate their transit check image return processing. Even though the Bank had adopted check imaging for exchange early in Check 21 era, their transit item return processing system was still largely paper-based. This system, which made use of printing and re-imaging of check items, physical routing of paper and use of disparate in-house generated computer applications did not scale well as the Bank grew.




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amc-logosmAll My Checks™
• Extract MICR data accurately
• Format check images for exchange
• Create ICL files for exchange or RDC
• Ready to run software application

ampLIB-logosmX9 Exception Manager

• Increase transaction throughput
• Enable Check 21 processing for legacy systems
• Acheive improved float management

x9LIB-smlogoampLIB MICR OCR SDK 

• Process check images
  From Phones, Cameras, Scanners
• Extract MICR data from check images 
• Format check images for exchange
• Fast programming with single call implementation

ampLIB-logosmX9 RCC
• Build Remotely Created Checks
  - for presentment or exchange
  -on behalf of your customers 
• Produce Test ICL Files
  - to debug Check 21 Applications
  - without risking customer data

• View content of ICL files
• View check images
• Edit records and fields
• Print IRDs and CRDs

qualifier-smlogoX9 Qualifier
• Detect non-conforming TIFF tags
• Correct TIFF Tags
• Detect MICR Mis-Match
• Image IQA

x9LIB-smlogoX9LIB SDK
• Create ICL Files
• Format ICL Files
• Save as CSV Files
• Sort & Merge ICL Files

IRD-Print-smlogoIRD Print
• Conforms to latest standard
• Prints Negotiable IRDs and CRDs
• Works with many printers
• Prints one item or the entire ICL file

x9ImageClearing-smlogoX9 Image Clearing
• Check Archive
• Duplicate Detection 
• Research Check Items
• Forward & Return Clearing

x9ImageClearing-smlogoX9 Returns
• Imports ICL files into SQL database
• Supports 50+ ICL formats
• Return item research & sorting
• Browser-based user interface



July 22, 2014 - ALL MY PAPERS Software Selected by Tangerine Bank -- Cheque imaging technology provides low cost solution for Canadian Banks


April 10, 2013 - ALL MY PAPERS Signs Reseller Agreement with Orbograph


September 25, 2012 - Orbograph and All My Papers Form Alliance for Remote Deposit Capture & Mobile Marketplace Complementing technologies improve efficiency and reduce risk of fraud

August 3, 2012- Credit Union Times - Mobility Matters: Tracking the Mobile Banking Revolution in Credit Unions


September 28, 2011- All My Papers Announces a Software Application That Makes Every Scanner a Check Scanner - You can read the press release online by going HERE.

April, 2011- Check Deposit Challenges Using Scanners Without MICR Readers - Transaction News - You can read the article online by going HERE.

January 25, 2011 - All My Papers Updates MICR OCR SDK with Additional Camera Capture Features For Mobile Phones and Desktop Scanners


February 24, 2009 All My Papers Publishes Case Study of X9 IMAGE CLEARING Software Solution For the State of North Carolina Check 21 Processing.


December 2 , 2008 All My Papers Awarded Bid by State of Nouth Carolina for Check 21 Processing

October 24, 2008 All My Papers previews Beta version of X9 Viewer with support for the Universal Companion Document, UCD.

July 23, 2008 All My Papers Releases Software Reader for USPS 4-State Barcode

May 6 , 2008 All My Papers Releases Federal Reserve Bank MICR Conversion Utility for Check 21 Files


December 12, 2007 All My Papers Releases X9 TIFF QUALIFIER For Testing To the New ECCHO Check Image Exchange Rules

October 23, 2007 All My Papers Releases White Paper on Ramifications of MICR Mis-Match in Check Image Exchange

October 22, 2007 All My Papers Releases X9 TIFF QUALIFIER for Image Cash Letters

August 21, 2007 All My Papers Joins Financial Industry Organizations ECCHO and FSTC To Facilitate Check Image Exchange

May 2, 2007 - All My Papers Releases X9 VIEWER for Image Cash Letters

March 27, 2007 - All My Papers Releases White Paper on Check Image Exchange Interoperability and Data Integrity Issue Resolution

February 21 , 2007 - All My Papers and Unisys Deliver Unrivalled Check Image Data Precision for Financial Institutions


January 17 , 2006 - Sterling National Bank, Leveraging All My Papers Technology, Granted Federal Reserve Board Approval for FedReturn™ Image Cash Letter


October 4 , 2005 - All My Papers MICR OCR Technology Integrated into 1,050 7-Eleven Vcom© Kiosks Verifies Check Image Data

August 12 , 2005 - All My Papers Publishes a FREE white paper - Combining Remote Capture and IRD Printing, A Check 21 Strategy for Community and Regional Banks.

July 20, 2005 - All My Papers Business Partner, Aquracy LLC, uses IRD print technology in Remote Image Capture Solution.

July 18, 2005 - All My Papers and Intactis Software Inc. form Strategic Business Partnership.

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Last Update August 7, 2017

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