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This Standard specifies a text based Cryptographic Message Syntax (CMS) represented using XML 1.0 encoding that can be used to protect financial transactions and other documents from unauthorized disclosure and modification. The message syntax has the following characteristics: 1) Protected messages are represented using the Canonical XML Encoding Rules (cXER), and can be transferred as verbose markup text or in a compact, efficient binary representation using the Basic Encoding Rules (BER) or the canonical subset of BER, the Distinguished Encoding Rules (DER) 2) Messages are protected independently. There is no cryptographic sequencing (e.g., cipher block chaining) between messages. There need not be any real-time connection between the sender and recipient of the message. This makes the syntax suitable for use over store-and-forward systems, e.g. Automated Clearing House (ACH) or Society for Worldwide International Funds Transfer (SWIFT). Standard attributes are defined to allow applications to maintain relationships between messages, if desired. 3) The syntax is algorithm independent. It supports confidentiality, integrity, origin authentication, and non-repudiation services. Only ANSI X9-approved algorithm(s) may be used for message digest, message encryption, digital signature, message authentication, and key management. 4) Support for biometric security, enhanced certificate techniques such as compact domain certificates and key management extensions such as Constructive Key Management (CKM) are provided. 5) Selective field protection can be provided in two ways. First by combining multiple instances of this syntax into a composite message. And second by using identifier and type markup tag names to select message components to be protected in a single message, which allows reusable message components to be moved between documents without affecting the validity of the signature. 6) Precise message encoding and cryptographic processing requirements are provided.