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Check Image Inquiry

API by Reference > Core Services > Check Image Inquiry

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Check Image Inquiry

Check Image Inquiry is a jXchange service designed to create check image inquiry requests and responses. Both complex and simple elements are used to create the check image inquiry requests and responses.

Message Flow

In jXchange, the Check Image Inquiry service uses a typical exchange of MType messages to inquire on check images.

Primary Request

The third-party consumer forwards the ChkImgRq_MType message to the service provider. The message contains:

  • ChkImgFormat
  • ChkImgId
  • ChkImgSide

Primary Response

The service provider returns the ChkImgInqRs_MType message to the third-party consumer. The message contains the requested information from the request and:

  • BackChkImg
  • BackChkImgLength
  • FrontChkImg
  • FrontChkImgLength

Check Image Inquiry Behavior

jXchange supports messaging for the inquiry of check images associated to a specific account. The service can be used by a third-party consumer to request a check image from a service provider. The service provider returns the image in a standard image file such as jpeg, gif, etc.

In a standard check image inquiry, the third-party consumer requests a check image using a check image ID number to identify the check. The check image number is a unique number assigned by the service provider and can be obtained through the Account History Search service. The third-party consumer also requests whether the image is to include the front or back side of the check, or both, and the type of file format in which the image is to be returned.

Upon request, the service provider returns the requested image in the requested image file, compressed in Base 64.

Only one check image can be requested per request message.

ChkImgInqRq_MType

ChkImgInqRq_MType is a message MType element.

Contains:

  • Custom_CType
  • MsgRqHdr_CType

Simple Elements

The following simple elements are contained within this message.

ChkImgFormat
The value that defines the file format that is used to deliver the check image. Canonical values are:
  • GIF
  • IOCA
  • JPG
  • PNG
  • TIFF
ChkImgId
The identification assigned to a check image.
ChkImgSide
The value that defines which side of the check image to deliver. Canonical values are:
  • Back
  • Both
  • Front

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

MsgRqHdr_CType

MsgRqHdr_CType is a complex CType element. This is the default message request header.

Contains:

  • AuthenUsrCred_CType
  • jXchangeHdr_CType

Simple Elements

The following simple elements are contained within this complex.

AuthenProdCred
Authentication of the Consumer Product Credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

AuthenUsrCred_CType

AuthenUsrCred_CType is a complex CType element. This element represents authentication of the end-user credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

Simple Elements

The following simple elements are contained within this complex.

Security
Defines the wsse:Security SOAP header element per section 4.

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId

The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of submitted message. A financial institution entity uses the routing transit or ABA nine-digit number assigned to financial institutions for the purpose of routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity uses a mutually agreed upon identification that must contain at least one non-integer character. When a record is directed to a specific financial institution within a holding company, the institution routing identification is the specific financial institution routing identification and not the holding company identification. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUsrId

The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

ChkImgInqRs_MType

ChkImgInqRs_MType is a message MType element.

Contains:

  • Custom_CType
  • MsgRsHdr_CType

Simple Elements

The following simple elements are contained within this message.

BackChkImgLength
The length of the back of the check image.
BackChkImg
The back of the check image.
ChkImgFormat
The value that defines the file format that is used to deliver the check image. Canonical values are:
  • GIF
  • IOCA
  • JPG
  • PNG
  • TIFF
ChkImgId
The identification assigned to a check image.
ChkImgSide
The value that defines which side of the check image to deliver. Canonical values are:
  • Back
  • Both
  • Front
FrontChkImgLength
The length of the front of the check image.
FrontChkImg
The front of the check image.

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

MsgRsHdr_CType

MsgRsHdr_CType is a complex CType element. This is the default message response header.

Contains:

  • jXchangeHdr_CType
  • MsgRecInfoArray_AType

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId

The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of submitted message. A financial institution entity uses the routing transit or ABA nine-digit number assigned to financial institutions for the purpose of routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity uses a mutually agreed upon identification that must contain at least one non-integer character. When a record is directed to a specific financial institution within a holding company, the institution routing identification is the specific financial institution routing identification and not the holding company identification. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUsrId

The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

MsgRecInfoArray_AType

MsgRecInfoArray_AType is an array AType element. This is an array of messages that can be returned in a response.

Contains:

  • MsgRec_CType
MsgRec_CType

MsgRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

ErrCat
The Soap Header Fault error category.
ErrCode
The error code.
ErrDesc
The Soap Header Fault error description.
ErrElem
The Soap Header Fault when an error or fault occurs. This optional element contains the element which is causing the error condition.
ErrElemVal
The Soap Header Fault when an error or fault occurs. This optional element contains the value of the element which is causing the error condition.
ErrLoc
The Soap Header Fault error location. This is typically the program that generated the error condition.

Check Image Inquiry Business Case

In this business case, the consumer requests a check image inquiry to verify that a check they wrote has been cashed by the proper authority. The consumer’s internet bank sends a request to the Service Provider where the check was cashed.

Request Message

After obtaining the proper check image number through an account history search, the internet bank forwards the ChkImgInqRq to the Service Provider containing the following elements and values:

ComplexSimple Element or ArrayEntry ValueExplanation
ChkImgInqRq_MTypeChkImgId37389895Unique number created by the Service Provider to identify the check.
 ChkImgFormatGIFFile format in which the check image is to be returned.
 ChkImgSideBothSides of the check to be included in the response.

Response Message

The Service Provider returns a ChkImgInqRs_MType with the following simple elements and values:

ComplexSimple Element or ArrayEntry ValueExplanation
ChkImgInqRs_MTypeChkImgId37389895ChkImgId from Request.
 ChkImgFormatGIFFile format submitted in request.
 ChkImgSideBothSides of the check submitted in the request.
 FrontChkImgLength12000Length of compressed front check image in bytes.
 FrontChkImg~~~~~Check image compressed in Base 64 binary.
 BackChkImgLength10000Length of compressed back check image in bytes.
 BackChkImge~~~~~Check image compressed in Base 64 binary.

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Last updated Wed Mar 4 2026