Iso20022

AccountReportV01

acmt.014.001.01

Scope The AccountReport message is sent from a financial institution to an organisation for reporting purposes. Usage It can be sent unsolicited as part of opening, maintenance, or closing process, or it can be sent as response to an AccountReportRequest message.

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
%% AccountReportV01 recursion level 0 with max 0
AccountReportV01 *-- "1..1" References5 : References
AccountReportV01 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : AccountServicerIdentification
AccountReportV01 *-- "1..1" Organisation6 : Organisation
AccountReportV01 *-- "0..1" AccountReport1 : Report
AccountReportV01 *-- "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
%% References5 recursion level 0 with max 1
class References5{
    RequestType UseCases1Code
    Status IsoMax35Text
    AttachedDocumentName IsoMax70Text
}
References5 *-- "1..1" MessageIdentification1 : MessageIdentification
References5 *-- "1..1" MessageIdentification1 : ProcessIdentification
References5 *-- "0..0" MessageIdentification1 : AcknowledgedMessageIdentification
%% 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
}
%% MessageIdentification1 recursion level 1 with max 1
class MessageIdentification1{
    Identification IsoMax35Text
    CreationDateTime IsoISODateTime
}

References5 members

Member name Description Data Type / Multiplicity
RequestType Identifies the type of acknowledged request. UseCases1Code - Required 1..1
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
AcknowledgedMessageIdentification Reference to the message that is acknowledged. MessageIdentification1 - Unknown 0..0
Status Status of the request. IsoMax35Text - Optional 0..1
AttachedDocumentName File name of a document logically related to the request. IsoMax70Text - 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

Report building block

Account report. Message used to report to a corporate on the actual set up up of the account, related services and mandates. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% AccountReport1 recursion level 0 with max 1
AccountReport1 *-- "1..1" CustomerAccount1 : Account
AccountReport1 *-- "0..1" ContractDocument1 : UnderlyingMasterAgreement
AccountReport1 *-- "0..1" AccountContract3 : ContractDates
AccountReport1 *-- "0..0" OperationMandate1 : Mandate
AccountReport1 *-- "0..1" CashAccount16 : ReferenceAccount
AccountReport1 *-- "0..1" AccountForAction1 : BalanceTransferAccount
AccountReport1 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : TransferAccountServicerIdentification
%% CustomerAccount1 recursion level 1 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
%% ContractDocument1 recursion level 1 with max 1
class ContractDocument1{
    Reference IsoMax35Text
    SignOffDate IsoISODate
    Version IsoMax6Text
}
%% AccountContract3 recursion level 1 with max 1
class AccountContract3{
    TargetGoLiveDate IsoISODate
    TargetClosingDate IsoISODate
    GoLiveDate IsoISODate
    ClosingDate IsoISODate
    UrgencyFlag IsoYesNoIndicator
    RemovalIndicator IsoYesNoIndicator
}
%% OperationMandate1 recursion level 1 with max 1
class OperationMandate1{
    Identification IsoMax35Text
    RequiredSignatureNumber IsoMax15PlusSignedNumericText
    SignatureOrderIndicator IsoYesNoIndicator
    StartDate IsoISODate
    EndDate IsoISODate
}
OperationMandate1 *-- "0..0" PartyAndCertificate1 : MandateHolder
OperationMandate1 *-- "1..0" BankTransactionCodeStructure4 : BankOperation
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% AccountForAction1 recursion level 1 with max 1
class AccountForAction1{
    Currency ActiveCurrencyCode
}
AccountForAction1 *-- "1..1" IAccountIdentification4Choice : Identification
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification

AccountReport1 members

Member name Description Data Type / Multiplicity
Account Characteristics of the account. CustomerAccount1 - Required 1..1
UnderlyingMasterAgreement 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. ContractDocument1 - Optional 0..1
ContractDates Specifies target and actual dates. AccountContract3 - Optional 0..1
Mandate Information specifying the account mandate. OperationMandate1 - Unknown 0..0
ReferenceAccount Unique and unambiguous identification of the account used as a reference for the opening of another account. CashAccount16 - Optional 0..1
BalanceTransferAccount Unique and unambiguous identification of the account where to transfer the balance. AccountForAction1 - Optional 0..1
TransferAccountServicerIdentification Identification of the transfer account servicer. BranchAndFinancialInstitutionIdentification4 - Optional 0..1

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 AccountReportV01 implementation follows a specific implementaiton pattern. First of all, AccountReportV01 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, AccountReportV01Document implements IOuterDocument. Because AccountReportV01 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type AccountReportV01.

classDiagram
    class IOuterRecord
    AccountReportV01 --|> IOuterRecord : Implements
    AccountReportV01Document --|> IOuterDocument~AccountReportV01~ : Implements
    class IOuterDocument~AccountReportV01~ {
        AccountReportV01 Message
     }

Document wrapper for serialization

The only real purpose AccountReportV01Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:acmt.014.001.01’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using AccountReportV01.ToDocument() method. The returned AccountReportV01Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    AccountReportV01Document *-- AccountReportV01 : 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.014.001.01">
    <AcctRpt>
        <Refs>
            <!-- References inner content -->
        </Refs>
        <AcctSvcrId>
            <!-- AccountServicerIdentification inner content -->
        </AcctSvcrId>
        <Org>
            <!-- Organisation inner content -->
        </Org>
        <Rpt>
            <!-- Report inner content -->
        </Rpt>
        <DgtlSgntr>
            <!-- DigitalSignature inner content -->
        </DgtlSgntr>
    </AcctRpt>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_vtUU2NE9Ed-BzquC8wXy7w_446669337"
  nextVersions="_fBFHUQ1TEeKGXqvMN6jpiw"
  name="AccountReportV01"
  definition="Scope&#xD;&#xA;The AccountReport message is sent from a financial institution to an organisation for reporting purposes.&#xD;&#xA;Usage&#xD;&#xA;It can be sent unsolicited as part of opening, maintenance, or closing process, or it can be sent as response to an AccountReportRequest message."
  registrationStatus="Registered"
  messageSet="_urpIICeJEeOCeO5e7islRQ"
  xmlTag="AcctRpt"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <messageBuildingBlock
    xmi:id="_vtUU2dE9Ed-BzquC8wXy7w_-501291820"
    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="_QoQ359p-Ed-ak6NoX_4Aeg_823875605" />
  <messageBuildingBlock
    xmi:id="_vtUU2tE9Ed-BzquC8wXy7w_-1906603151"
    name="AccountServicerIdentification"
    definition="Unique and unambiguous identifier of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. &#xA;."
    registrationStatus="Provisionally Registered"
    maxOccurs="1"
    minOccurs="1"
    xmlTag="AcctSvcrId"
    complexType="_TFB1RNp-Ed-ak6NoX_4Aeg_-736060150" />
  <messageBuildingBlock
    xmi:id="_vtdewNE9Ed-BzquC8wXy7w_-1289032009"
    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="_vtdewdE9Ed-BzquC8wXy7w_1826995567"
    name="Report"
    definition="Account report."
    registrationStatus="Provisionally Registered"
    minOccurs="0"
    xmlTag="Rpt"
    complexType="_Qoao59p-Ed-ak6NoX_4Aeg_1996281064" />
  <messageBuildingBlock
    xmi:id="_vtdewtE9Ed-BzquC8wXy7w_1985192498"
    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="014"
    flavour="001"
    version="01" />
</messageDefinition>

ISO Building Blocks

The following items are used as building blocks to construct this message.