acmt.015.001.01
Scope This AccountExcludedMandateMaintenanceRequest message is sent from an organisation to a financial institution as part of the account maintenance process. It is the initial request message to update an account. Usage This update is about account details excluding any mandate information. The organisation will specify under the Account and Organisation tags the complete information as it should be in the financial institutions records after processing the update request.
Message Construction
Every ISO20022 message has at the highest level what we call ‘building blocks’. Because the message is constructed as immutable records, the association is by composition. Below you can see the relationship between the message and its constituent building blocks: For comparison, see the ISO20022 official specification
classDiagram
direction LR
%% AccountExcludedMandateMaintenanceRequestV01 recursion level 0 with max 0
AccountExcludedMandateMaintenanceRequestV01 *-- "1..1" References4 : References
AccountExcludedMandateMaintenanceRequestV01 *-- "0..1" AccountContract2 : ContractDates
AccountExcludedMandateMaintenanceRequestV01 *-- "0..1" ContractDocument1 : UnderlyingMasterAgreement
AccountExcludedMandateMaintenanceRequestV01 *-- "1..1" CustomerAccount1 : Account
AccountExcludedMandateMaintenanceRequestV01 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : AccountServicerIdentification
AccountExcludedMandateMaintenanceRequestV01 *-- "1..1" Organisation6 : Organisation
AccountExcludedMandateMaintenanceRequestV01 *-- "0..1" AdditionalInformation5 : AdditionalMessageInformation
AccountExcludedMandateMaintenanceRequestV01 *-- "0..1" PartyAndSignature1 : DigitalSignature
Now, we will zero-in one-by-one on each of these building blocks.
References building block
Set of elements for the identification of the message and related references. Set of elements for the identification of the message and related references. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% References4 recursion level 0 with max 1
class References4{
AttachedDocumentName IsoMax70Text
}
References4 *-- "1..1" MessageIdentification1 : MessageIdentification
References4 *-- "1..1" MessageIdentification1 : ProcessIdentification
%% MessageIdentification1 recursion level 1 with max 1
class MessageIdentification1{
Identification IsoMax35Text
CreationDateTime IsoISODateTime
}
%% MessageIdentification1 recursion level 1 with max 1
class MessageIdentification1{
Identification IsoMax35Text
CreationDateTime IsoISODateTime
}
References4 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| MessageIdentification | Identifies a message by a unique identifier and the date and time when the message was created by the sender. | MessageIdentification1 - Required 1..1 |
| ProcessIdentification | Identifies a process by a unique identifier and the date and time when the first message belonging to the process was created by the sender. The process identification remains the same in all messages belonging to the same process, from the initial request message to the final account report closing the process. | MessageIdentification1 - Required 1..1 |
| AttachedDocumentName | File name of a document logically related to the request. | IsoMax70Text - Unknown 0..0 |
ContractDates building block
Specifies target dates. Specifies target dates dates related to account opening and closing. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% AccountContract2 recursion level 0 with max 1
class AccountContract2{
TargetGoLiveDate IsoISODate
TargetClosingDate IsoISODate
UrgencyFlag IsoYesNoIndicator
}
AccountContract2 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| TargetGoLiveDate | Date on which the account and related basic services are expected to be operational for the account owner. | IsoISODate - Optional 0..1 |
| TargetClosingDate | Date on which the account and related services are expected to cease to be operational for the account owner. | IsoISODate - Optional 0..1 |
| UrgencyFlag | Indicator that the account opening/maintenance/closing process needs to be treated urgently, that is, sooner than the terms established by the service level agreed between the account holder customer and the account servicing institution. | IsoYesNoIndicator - Optional 0..1 |
UnderlyingMasterAgreement building block
Account contract established between the organisation or the Group to which the organisation belongs, and the account Servicer. This contract has to be applied for the new account to be opened and maintained. Document that contains the information of the contract agreed between both parties. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% ContractDocument1 recursion level 0 with max 1
class ContractDocument1{
Reference IsoMax35Text
SignOffDate IsoISODate
Version IsoMax6Text
}
ContractDocument1 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Reference | Account contract established between the organisation or the group to which the organisation belongs, and the account servicer. This contract has to be applied for the new account to be opened and maintained. | IsoMax35Text - Required 1..1 |
| SignOffDate | Signoff date of the document. | IsoISODate - Optional 0..1 |
| Version | Identification of the version of the contract. | IsoMax6Text - Optional 0..1 |
Account building block
Unique and unambiguous identification of the account between the account owner and the account servicer. Account owned by a customer. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% CustomerAccount1 recursion level 0 with max 1
class CustomerAccount1{
Name IsoMax70Text
Status AccountStatus3Code
Currency ActiveCurrencyCode
MonthlyPaymentValue IsoImpliedCurrencyAndAmount
MonthlyReceivedValue IsoImpliedCurrencyAndAmount
MonthlyTransactionNumber IsoMax5NumericText
AverageBalance IsoImpliedCurrencyAndAmount
AccountPurpose IsoMax140Text
FloorNotificationAmount IsoImpliedCurrencyAndAmount
CeilingNotificationAmount IsoImpliedCurrencyAndAmount
StatementCycle Frequency3Code
ClosingDate IsoISODate
}
CustomerAccount1 *-- "1..1" IAccountIdentification4Choice : Identification
CustomerAccount1 *-- "0..1" CashAccountType2 : Type
CustomerAccount1 *-- "0..0" Restriction1 : Restriction
%% IAccountIdentification4Choice recursion level 1 with max 1
%% CashAccountType2 recursion level 1 with max 1
class CashAccountType2{
Code CashAccountType4Code
Proprietary IsoMax35Text
}
%% Restriction1 recursion level 1 with max 1
class Restriction1{
ValidFrom IsoISODateTime
ValidUntil IsoISODateTime
}
Restriction1 *-- "1..1" ICodeOrProprietary1Choice : RestrictionType
CustomerAccount1 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Identification | Identification of the account. | IAccountIdentification4Choice - Required 1..1 |
| Name | Name of the account. It provides an additional means of identification, and is designated by the account servicer in agreement with the account owner. | IsoMax70Text - Optional 0..1 |
| Status | Specifies the current state of an account, eg, enabled or deleted. | AccountStatus3Code - Optional 0..1 |
| Type | Type of the account. | CashAccountType2 - Optional 0..1 |
| Currency | Medium of exchange of value. | ActiveCurrencyCode - Required 1..1 |
| MonthlyPaymentValue | Monthly average of the payment amounts (that is, payments going out) over a year. | IsoImpliedCurrencyAndAmount - Optional 0..1 |
| MonthlyReceivedValue | Monthly average of the received amounts over a year (that is, payments coming in). | IsoImpliedCurrencyAndAmount - Optional 0..1 |
| MonthlyTransactionNumber | Monthly average of the number of payments (coming in and going out) over a year. | IsoMax5NumericText - Optional 0..1 |
| AverageBalance | Sum of the end of day balances over a month divided by the number of business days in the month. | IsoImpliedCurrencyAndAmount - Optional 0..1 |
| AccountPurpose | Specifies the purpose of the account. | IsoMax140Text - Optional 0..1 |
| FloorNotificationAmount | Specifies the value of the balance under which a notification will be sent to the account owner. | IsoImpliedCurrencyAndAmount - Optional 0..1 |
| CeilingNotificationAmount | Specifies the value of the balance above which a notification will be sent to the account owner. | IsoImpliedCurrencyAndAmount - Optional 0..1 |
| StatementCycle | Specifies how often statements (for audit purposes) will be sent. | Frequency3Code - Optional 0..1 |
| ClosingDate | Date when the account will be or was closed. | IsoISODate - Optional 0..1 |
| Restriction | Restriction on capability or operations allowed. | Restriction1 - Unknown 0..0 |
AccountServicerIdentification building block
Unique and unambiguous identifier of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. Set of elements used to uniquely and unambiguously identify a financial institution or a branch of a financial institution. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% BranchAndFinancialInstitutionIdentification4 recursion level 0 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% FinancialInstitutionIdentification7 recursion level 1 with max 1
class FinancialInstitutionIdentification7{
BIC IsoBICIdentifier
Name IsoMax140Text
}
FinancialInstitutionIdentification7 *-- "0..1" ClearingSystemMemberIdentification2 : ClearingSystemMemberIdentification
FinancialInstitutionIdentification7 *-- "0..1" PostalAddress6 : PostalAddress
FinancialInstitutionIdentification7 *-- "0..1" GenericFinancialIdentification1 : Other
%% BranchData2 recursion level 1 with max 1
class BranchData2{
Identification IsoMax35Text
Name IsoMax140Text
}
BranchData2 *-- "0..1" PostalAddress6 : PostalAddress
BranchAndFinancialInstitutionIdentification4 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| FinancialInstitutionIdentification | Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. | FinancialInstitutionIdentification7 - Required 1..1 |
| BranchIdentification | Identifies a specific branch of a financial institution. |
Organisation building block
Organised structure that is set up for a particular purpose, for example, a business, government body, department, charity, or financial institution. Information which describes the organisation. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% Organisation6 recursion level 0 with max 1
class Organisation6{
FullLegalName IsoMax350Text
TradingName IsoMax350Text
CountryOfOperation CountryCode
RegistrationDate IsoISODate
}
Organisation6 *-- "0..1" PostalAddress6 : OperationalAddress
Organisation6 *-- "0..1" PostalAddress6 : BusinessAddress
Organisation6 *-- "1..1" PostalAddress6 : LegalAddress
Organisation6 *-- "1..1" OrganisationIdentification6 : OrganisationIdentification
Organisation6 *-- "0..0" PartyIdentification40 : RepresentativeOfficer
Organisation6 *-- "0..1" PartyIdentification40 : TreasuryManager
Organisation6 *-- "0..0" PartyIdentification40 : MainMandateHolder
Organisation6 *-- "0..0" PartyIdentification40 : Sender
%% PostalAddress6 recursion level 1 with max 1
class PostalAddress6{
AddressType AddressType2Code
Department IsoMax70Text
SubDepartment IsoMax70Text
StreetName IsoMax70Text
BuildingNumber IsoMax16Text
PostCode IsoMax16Text
TownName IsoMax35Text
CountrySubDivision IsoMax35Text
Country CountryCode
AddressLine IsoMax70Text
}
%% PostalAddress6 recursion level 1 with max 1
class PostalAddress6{
AddressType AddressType2Code
Department IsoMax70Text
SubDepartment IsoMax70Text
StreetName IsoMax70Text
BuildingNumber IsoMax16Text
PostCode IsoMax16Text
TownName IsoMax35Text
CountrySubDivision IsoMax35Text
Country CountryCode
AddressLine IsoMax70Text
}
%% PostalAddress6 recursion level 1 with max 1
class PostalAddress6{
AddressType AddressType2Code
Department IsoMax70Text
SubDepartment IsoMax70Text
StreetName IsoMax70Text
BuildingNumber IsoMax16Text
PostCode IsoMax16Text
TownName IsoMax35Text
CountrySubDivision IsoMax35Text
Country CountryCode
AddressLine IsoMax70Text
}
%% OrganisationIdentification6 recursion level 1 with max 1
class OrganisationIdentification6{
BIC IsoAnyBICIdentifier
}
OrganisationIdentification6 *-- "0..0" GenericOrganisationIdentification1 : Other
%% PartyIdentification40 recursion level 1 with max 1
class PartyIdentification40{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification40 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification40 *-- "0..1" PersonIdentification5 : Identification
PartyIdentification40 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification40 recursion level 1 with max 1
class PartyIdentification40{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification40 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification40 *-- "0..1" PersonIdentification5 : Identification
PartyIdentification40 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification40 recursion level 1 with max 1
class PartyIdentification40{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification40 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification40 *-- "0..1" PersonIdentification5 : Identification
PartyIdentification40 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification40 recursion level 1 with max 1
class PartyIdentification40{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification40 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification40 *-- "0..1" PersonIdentification5 : Identification
PartyIdentification40 *-- "0..1" ContactDetails2 : ContactDetails
Organisation6 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| FullLegalName | Name by which a party is known and which is usually used to identify that party. | IsoMax350Text - Required 1..1 |
| TradingName | Name used by a business for commercial purposes, although its registered legal name, used for contracts and other formal situations, may be another. | IsoMax350Text - Optional 0..1 |
| CountryOfOperation | Country in which the organisation has its business activity. | CountryCode - Required 1..1 |
| RegistrationDate | Date and time at which a given organisation was officially registered. | IsoISODate - Optional 0..1 |
| OperationalAddress | Is an operational address, for example, of a shared services center. | PostalAddress6 - Optional 0..1 |
| BusinessAddress | Is the address where the business activity is taking place. | PostalAddress6 - Optional 0..1 |
| LegalAddress | Is the address where the entity resides and is registered. More generically, it is the home address (Residential address). | PostalAddress6 - Required 1..1 |
| OrganisationIdentification | Unique and unambiguous way of identifying an organisation. | OrganisationIdentification6 - Required 1..1 |
| RepresentativeOfficer | Person in the customer’s organisation who can be contacted by the account servicer. | PartyIdentification40 - Unknown 0..0 |
| TreasuryManager | Identification of the person responsible of the treasury department within an organisation. | PartyIdentification40 - Optional 0..1 |
| MainMandateHolder | Is the main mandate holder that will delegate some authority to other individuals (mandate holders) to perform some specific bank operations on the account. | PartyIdentification40 - Unknown 0..0 |
| Sender | Potential sender of a message related to the life cyle of an account. | PartyIdentification40 - Unknown 0..0 |
AdditionalMessageInformation building block
Contains additional information related to the message. Contains additional information related to the message. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% AdditionalInformation5 recursion level 0 with max 1
class AdditionalInformation5{
Information IsoMax256Text
}
AdditionalInformation5 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Information | Contains additional information related to the message. | IsoMax256Text - Unknown 1..0 |
DigitalSignature building block
Contains the signature with its components, namely signed info, signature value, key info and the object. Entity involved in an activity. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% PartyAndSignature1 recursion level 0 with max 1
PartyAndSignature1 *-- "1..1" PartyIdentification41 : Party
PartyAndSignature1 *-- "1..1" ProprietaryData3 : Signature
%% PartyIdentification41 recursion level 1 with max 1
class PartyIdentification41{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification41 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification41 *-- "0..1" IParty8Choice : Identification
PartyIdentification41 *-- "0..1" ContactDetails2 : ContactDetails
%% ProprietaryData3 recursion level 1 with max 1
ProprietaryData3 *-- "1..1" SkipProcessing : Any
PartyAndSignature1 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Party | Entity involved in an activity. | PartyIdentification41 - Required 1..1 |
| Signature | Signature of a party. | ProprietaryData3 - Required 1..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the AccountExcludedMandateMaintenanceRequestV01 implementation follows a specific implementaiton pattern. First of all, AccountExcludedMandateMaintenanceRequestV01 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, AccountExcludedMandateMaintenanceRequestV01Document implements IOuterDocument. Because AccountExcludedMandateMaintenanceRequestV01 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type AccountExcludedMandateMaintenanceRequestV01.
classDiagram
class IOuterRecord
AccountExcludedMandateMaintenanceRequestV01 --|> IOuterRecord : Implements
AccountExcludedMandateMaintenanceRequestV01Document --|> IOuterDocument~AccountExcludedMandateMaintenanceRequestV01~ : Implements
class IOuterDocument~AccountExcludedMandateMaintenanceRequestV01~ {
AccountExcludedMandateMaintenanceRequestV01 Message
}
Document wrapper for serialization
The only real purpose AccountExcludedMandateMaintenanceRequestV01Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:acmt.015.001.01’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using AccountExcludedMandateMaintenanceRequestV01.ToDocument() method. The returned AccountExcludedMandateMaintenanceRequestV01Document value will serialize correctly according to ISO 20022 standards.
classDiagram
AccountExcludedMandateMaintenanceRequestV01Document *-- AccountExcludedMandateMaintenanceRequestV01 : Document
Sample of message format
This is an abbreviated version of what the message should look like.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:acmt.015.001.01">
<AcctExcldMndtMntncReq>
<Refs>
<!-- References inner content -->
</Refs>
<CtrctDts>
<!-- ContractDates inner content -->
</CtrctDts>
<UndrlygMstrAgrmt>
<!-- UnderlyingMasterAgreement inner content -->
</UndrlygMstrAgrmt>
<Acct>
<!-- Account inner content -->
</Acct>
<AcctSvcrId>
<!-- AccountServicerIdentification inner content -->
</AcctSvcrId>
<Org>
<!-- Organisation inner content -->
</Org>
<AddtlMsgInf>
<!-- AdditionalMessageInformation inner content -->
</AddtlMsgInf>
<DgtlSgntr>
<!-- DigitalSignature inner content -->
</DgtlSgntr>
</AcctExcldMndtMntncReq>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_pzkTNdE9Ed-BzquC8wXy7w_172692217"
nextVersions="_WcZJcQ1TEeKGXqvMN6jpiw"
name="AccountExcludedMandateMaintenanceRequestV01"
definition="Scope
This AccountExcludedMandateMaintenanceRequest message is sent from an organisation to a financial institution as part of the account maintenance process. It is the initial request message to update an account.
Usage
This update is about account details excluding any mandate information. The organisation will specify under the Account and Organisation tags the complete information as it should be in the financial institutions records after processing the update request."
registrationStatus="Registered"
messageSet="_urpIICeJEeOCeO5e7islRQ"
xmlTag="AcctExcldMndtMntncReq"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<messageBuildingBlock
xmi:id="_pzkTNtE9Ed-BzquC8wXy7w_232051449"
name="References"
definition="Set of elements for the identification of the message and related references."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="Refs"
complexType="_Qn9899p-Ed-ak6NoX_4Aeg_-250058534" />
<messageBuildingBlock
xmi:id="_pzkTN9E9Ed-BzquC8wXy7w_891508527"
name="ContractDates"
definition="Specifies target dates."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="CtrctDts"
complexType="_UkZWQtp-Ed-ak6NoX_4Aeg_-1896166238" />
<messageBuildingBlock
xmi:id="_pzkTONE9Ed-BzquC8wXy7w_1405908737"
name="UnderlyingMasterAgreement"
definition="Account contract established between the organisation or the Group to which the organisation belongs, and the account Servicer. This contract has to be applied for the new account to be opened and maintained."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="UndrlygMstrAgrmt"
complexType="_UkjHQtp-Ed-ak6NoX_4Aeg_15886237" />
<messageBuildingBlock
xmi:id="_pzkTOdE9Ed-BzquC8wXy7w_759774723"
name="Account"
definition="Unique and unambiguous identification of the account between the account owner and the account servicer."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="Acct"
complexType="_SN5Y99p-Ed-ak6NoX_4Aeg_-1328700496" />
<messageBuildingBlock
xmi:id="_pzuEMNE9Ed-BzquC8wXy7w_1509673772"
name="AccountServicerIdentification"
definition="Unique and unambiguous identifier of a financial institution, as assigned under an internationally recognised or proprietary identification scheme."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="AcctSvcrId"
complexType="_TFB1RNp-Ed-ak6NoX_4Aeg_-736060150" />
<messageBuildingBlock
xmi:id="_pzuEMdE9Ed-BzquC8wXy7w_1958240607"
name="Organisation"
definition="Organised structure that is set up for a particular purpose, for example, a business, government body, department, charity, or financial institution."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="Org"
complexType="_QNJpMNp-Ed-ak6NoX_4Aeg_-756944744" />
<messageBuildingBlock
xmi:id="_pzuEMtE9Ed-BzquC8wXy7w_1402039717"
name="AdditionalMessageInformation"
definition="Contains additional information related to the message."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="AddtlMsgInf"
complexType="_Qoao5dp-Ed-ak6NoX_4Aeg_478592239" />
<messageBuildingBlock
xmi:id="_pzuEM9E9Ed-BzquC8wXy7w_538629891"
name="DigitalSignature"
definition="Contains the signature with its components, namely signed info, signature value, key info and the object."
registrationStatus="Provisionally Registered"
minOccurs="0"
xmlTag="DgtlSgntr"
complexType="_PW59tdp-Ed-ak6NoX_4Aeg_-515475026" />
<messageDefinitionIdentifier
businessArea="acmt"
messageFunctionality="015"
flavour="001"
version="01" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.