acmt.019.001.02
The AccountClosingRequest message is sent from an organisation to a financial institution as part of the account closing process. It is the initial request message to close an account.
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
%% AccountClosingRequestV02 recursion level 0 with max 0
AccountClosingRequestV02 *-- "1..1" References4 : References
AccountClosingRequestV02 *-- "0..1" OrganisationIdentification8 : From
AccountClosingRequestV02 *-- "1..1" AccountForAction2 : AccountIdentification
AccountClosingRequestV02 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : AccountServicerIdentification
AccountClosingRequestV02 *-- "1..1" Organisation14 : OrganisationIdentification
AccountClosingRequestV02 *-- "0..1" AccountContract4 : ContractDates
AccountClosingRequestV02 *-- "0..1" AccountForAction1 : BalanceTransferAccount
AccountClosingRequestV02 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : TransferAccountServicerIdentification
AccountClosingRequestV02 *-- "0..1" PartyAndSignature2 : DigitalSignature
AccountClosingRequestV02 *-- "0..1" SupplementaryData1 : SupplementaryData
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 |
From building block
Identifies the business sender of the message, if it is not the account owner or account servicing financial institution. OrganisationIdentification6. Unique and unambiguous way to identify an organisation. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% OrganisationIdentification8 recursion level 0 with max 1
class OrganisationIdentification8{
AnyBIC IsoAnyBICIdentifier
}
OrganisationIdentification8 *-- "0..0" GenericOrganisationIdentification1 : Other
%% GenericOrganisationIdentification1 recursion level 1 with max 1
class GenericOrganisationIdentification1{
Identification IsoMax35Text
Issuer IsoMax35Text
}
GenericOrganisationIdentification1 *-- "0..1" IOrganisationIdentificationSchemeName1Choice : SchemeName
OrganisationIdentification8 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| AnyBIC | Code allocated to a financial institution or non financial institution by the ISO 9362 Registration Authority as described in ISO 9362 “Banking - Banking telecommunication messages - Business identifier code (BIC)”. | IsoAnyBICIdentifier - Optional 0..1 |
| Other | Unique identification of an organisation, as assigned by an institution, using an identification scheme. | GenericOrganisationIdentification1 - Unknown 0..0 |
AccountIdentification building block
Unique and unambiguous identification of the account between the account owner and the account servicer. Account to or from which a cash entry is made. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% AccountForAction2 recursion level 0 with max 1
class AccountForAction2{
Name IsoMax70Text
Currency ActiveCurrencyCode
}
AccountForAction2 *-- "1..1" IAccountIdentification4Choice : Identification
%% IAccountIdentification4Choice recursion level 1 with max 1
AccountForAction2 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Identification | Unique and unambiguous identification for the account between the account owner and the account servicer. | IAccountIdentification4Choice - Required 1..1 |
| Name | Name of the account. In case of conflict between the Account Identification and the Account Name, it is recommended that the Account Servicer ask for clarification by means of the Request for Additional Information message. | IsoMax70Text - Optional 0..1 |
| Currency | Medium of exchange of value. | ActiveCurrencyCode - Required 1..1 |
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
%% BranchAndFinancialInstitutionIdentification5 recursion level 0 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% FinancialInstitutionIdentification8 recursion level 1 with max 1
class FinancialInstitutionIdentification8{
BICFI IsoBICFIIdentifier
Name IsoMax140Text
}
FinancialInstitutionIdentification8 *-- "0..1" ClearingSystemMemberIdentification2 : ClearingSystemMemberIdentification
FinancialInstitutionIdentification8 *-- "0..1" PostalAddress6 : PostalAddress
FinancialInstitutionIdentification8 *-- "0..1" GenericFinancialIdentification1 : Other
%% BranchData2 recursion level 1 with max 1
class BranchData2{
Identification IsoMax35Text
Name IsoMax140Text
}
BranchData2 *-- "0..1" PostalAddress6 : PostalAddress
BranchAndFinancialInstitutionIdentification5 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. | FinancialInstitutionIdentification8 - Required 1..1 |
| BranchIdentification | Identifies a specific branch of a financial institution. |
OrganisationIdentification building block
Identification of the organisation requesting the change. Information which describes the organisation. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% Organisation14 recursion level 0 with max 1
class Organisation14{
FullLegalName IsoMax350Text
}
Organisation14 *-- "1..1" OrganisationIdentification8 : OrganisationIdentification
%% OrganisationIdentification8 recursion level 1 with max 1
class OrganisationIdentification8{
AnyBIC IsoAnyBICIdentifier
}
OrganisationIdentification8 *-- "0..0" GenericOrganisationIdentification1 : Other
Organisation14 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 - Optional 0..1 |
| OrganisationIdentification | Unique and unambiguous way of identifying an organisation. | OrganisationIdentification8 - Required 1..1 |
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
%% AccountContract4 recursion level 0 with max 1
class AccountContract4{
TargetClosingDate IsoISODate
UrgencyFlag IsoYesNoIndicator
RemovalIndicator IsoYesNoIndicator
}
AccountContract4 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| 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 |
| RemovalIndicator | Indicates removal of the account. After removal, an account will not appear anymore in reports. | IsoYesNoIndicator - Optional 0..1 |
BalanceTransferAccount building block
Identification of the account to which the remaining positive balance of the account to be closed must be transferred or account from which funds can be moved to the account to be closed and which balance is negative. This account must be held in the same financial institution as the account to be closed if the transfer account is used to compensate a negative balance. For a positive balance to be transferred, an account in another financial institution might be used. In that case the account servicer is mandatory. Account to or from which a cash entry is made. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% AccountForAction1 recursion level 0 with max 1
class AccountForAction1{
Currency ActiveCurrencyCode
}
AccountForAction1 *-- "1..1" IAccountIdentification4Choice : Identification
%% IAccountIdentification4Choice recursion level 1 with max 1
AccountForAction1 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Identification | Unique and unambiguous identification for the account between the account owner and the account servicer. | IAccountIdentification4Choice - Required 1..1 |
| Currency | Medium of exchange of value. | ActiveCurrencyCode - Required 1..1 |
TransferAccountServicerIdentification building block
Unique and unambiguous identifier of a financial institution, as assigned under an internationally recognised or proprietary identification scheme, that is the servicer of the transfer account. 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
%% BranchAndFinancialInstitutionIdentification5 recursion level 0 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% FinancialInstitutionIdentification8 recursion level 1 with max 1
class FinancialInstitutionIdentification8{
BICFI IsoBICFIIdentifier
Name IsoMax140Text
}
FinancialInstitutionIdentification8 *-- "0..1" ClearingSystemMemberIdentification2 : ClearingSystemMemberIdentification
FinancialInstitutionIdentification8 *-- "0..1" PostalAddress6 : PostalAddress
FinancialInstitutionIdentification8 *-- "0..1" GenericFinancialIdentification1 : Other
%% BranchData2 recursion level 1 with max 1
class BranchData2{
Identification IsoMax35Text
Name IsoMax140Text
}
BranchData2 *-- "0..1" PostalAddress6 : PostalAddress
BranchAndFinancialInstitutionIdentification5 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. | FinancialInstitutionIdentification8 - Required 1..1 |
| BranchIdentification | Identifies a specific branch of a financial institution. |
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
%% PartyAndSignature2 recursion level 0 with max 1
PartyAndSignature2 *-- "1..1" PartyIdentification43 : Party
PartyAndSignature2 *-- "1..1" ProprietaryData3 : Signature
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% ProprietaryData3 recursion level 1 with max 1
ProprietaryData3 *-- "1..1" SkipProcessing : Any
PartyAndSignature2 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| Party | Entity involved in an activity. | PartyIdentification43 - Required 1..1 |
| Signature | Signature of a party. | ProprietaryData3 - Required 1..1 |
SupplementaryData building block
Additional information that cannot be captured in the structured elements and/or any other specific block. Additional information that can not be captured in the structured fields and/or any other specific block. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% SupplementaryData1 recursion level 0 with max 1
class SupplementaryData1{
PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
%% IsoSupplementaryDataEnvelope1 recursion level 1 with max 1
SupplementaryData1 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| PlaceAndName | Unambiguous reference to the location where the supplementary data must be inserted in the message instance. In the case of XML, this is expressed by a valid XPath. | IsoMax350Text - Optional 0..1 |
| Envelope | Technical element wrapping the supplementary data. | IsoSupplementaryDataEnvelope1 - Required 1..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the AccountClosingRequestV02 implementation follows a specific implementaiton pattern. First of all, AccountClosingRequestV02 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, AccountClosingRequestV02Document implements IOuterDocument. Because AccountClosingRequestV02 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type AccountClosingRequestV02.
classDiagram
class IOuterRecord
AccountClosingRequestV02 --|> IOuterRecord : Implements
AccountClosingRequestV02Document --|> IOuterDocument~AccountClosingRequestV02~ : Implements
class IOuterDocument~AccountClosingRequestV02~ {
AccountClosingRequestV02 Message
}
Document wrapper for serialization
The only real purpose AccountClosingRequestV02Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:acmt.019.001.02’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using AccountClosingRequestV02.ToDocument() method. The returned AccountClosingRequestV02Document value will serialize correctly according to ISO 20022 standards.
classDiagram
AccountClosingRequestV02Document *-- AccountClosingRequestV02 : 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.019.001.02">
<AcctClsgReq>
<Refs>
<!-- References inner content -->
</Refs>
<Fr>
<!-- From inner content -->
</Fr>
<AcctId>
<!-- AccountIdentification inner content -->
</AcctId>
<AcctSvcrId>
<!-- AccountServicerIdentification inner content -->
</AcctSvcrId>
<OrgId>
<!-- OrganisationIdentification inner content -->
</OrgId>
<CtrctDts>
<!-- ContractDates inner content -->
</CtrctDts>
<BalTrfAcct>
<!-- BalanceTransferAccount inner content -->
</BalTrfAcct>
<TrfAcctSvcrId>
<!-- TransferAccountServicerIdentification inner content -->
</TrfAcctSvcrId>
<DgtlSgntr>
<!-- DigitalSignature inner content -->
</DgtlSgntr>
<SplmtryData>
<!-- SupplementaryData inner content -->
</SplmtryData>
</AcctClsgReq>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_TZBfEQ1TEeKGXqvMN6jpiw"
nextVersions="_bf9RM22PEei3KuUgpx7Xcw"
previousVersion="_oA-7SNE9Ed-BzquC8wXy7w_-1394534356"
name="AccountClosingRequestV02"
definition="The AccountClosingRequest message is sent from an organisation to a financial institution as part of the account closing process. It is the initial request message to close an account."
registrationStatus="Registered"
messageSet="_Q3UKwL0wEeKGooZDzppDJQ"
xmlTag="AcctClsgReq"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<messageBuildingBlock
xmi:id="_TZBfEw1TEeKGXqvMN6jpiw"
nextVersions="_bf9RNW2PEei3KuUgpx7Xcw"
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="_84cb0A1XEeKGXqvMN6jpiw"
nextVersions="_bf9RN22PEei3KuUgpx7Xcw"
name="From"
definition="Identifies the business sender of the message, if it is not the account owner or account servicing financial institution. OrganisationIdentification6."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="Fr"
complexType="_QPiO1Np-Ed-ak6NoX_4Aeg_1971114098" />
<messageBuildingBlock
xmi:id="_TZBfFw1TEeKGXqvMN6jpiw"
nextVersions="_bf9ROW2PEei3KuUgpx7Xcw"
name="AccountIdentification"
definition="Unique and unambiguous identification of the account between the account owner and the account servicer."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="AcctId"
complexType="_Itngkw38EeKGXqvMN6jpiw" />
<messageBuildingBlock
xmi:id="_TZBfGw1TEeKGXqvMN6jpiw"
nextVersions="_bf9RO22PEei3KuUgpx7Xcw"
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="_TFB1Qdp-Ed-ak6NoX_4Aeg_1367253312" />
<messageBuildingBlock
xmi:id="_TZBfHw1TEeKGXqvMN6jpiw"
nextVersions="_bf9RPW2PEei3KuUgpx7Xcw"
name="OrganisationIdentification"
definition="Identification of the organisation requesting the change."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="OrgId"
complexType="_uUtoMQ39EeKGXqvMN6jpiw" />
<messageBuildingBlock
xmi:id="_TZBfIw1TEeKGXqvMN6jpiw"
nextVersions="_bf9RP22PEei3KuUgpx7Xcw"
name="ContractDates"
definition="Specifies target dates."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="CtrctDts"
complexType="_UkGbYdp-Ed-ak6NoX_4Aeg_197946061" />
<messageBuildingBlock
xmi:id="_TZBfJw1TEeKGXqvMN6jpiw"
nextVersions="_bf9RQW2PEei3KuUgpx7Xcw"
name="BalanceTransferAccount"
definition="Identification of the account to which the remaining positive balance of the account to be closed must be transferred or account from which funds can be moved to the account to be closed and which balance is negative. This account must be held in the same financial institution as the account to be closed if the transfer account is used to compensate a negative balance. For a positive balance to be transferred, an account in another financial institution might be used. In that case the account servicer is mandatory."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="BalTrfAcct"
complexType="_SN5Y9Np-Ed-ak6NoX_4Aeg_1820239688" />
<messageBuildingBlock
xmi:id="_TZBfKw1TEeKGXqvMN6jpiw"
nextVersions="_bf9RQ22PEei3KuUgpx7Xcw"
name="TransferAccountServicerIdentification"
definition="Unique and unambiguous identifier of a financial institution, as assigned under an internationally recognised or proprietary identification scheme, that is the servicer of the transfer account."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="TrfAcctSvcrId"
complexType="_TFB1Qdp-Ed-ak6NoX_4Aeg_1367253312" />
<messageBuildingBlock
xmi:id="_TZBfLw1TEeKGXqvMN6jpiw"
nextVersions="_bf9RRW2PEei3KuUgpx7Xcw"
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="_k4nFNZKuEeGnRMFvqYmPBQ" />
<messageBuildingBlock
xmi:id="_zC_N0A4AEeKGXqvMN6jpiw"
nextVersions="_bf9RR22PEei3KuUgpx7Xcw"
name="SupplementaryData"
definition="Additional information that cannot be captured in the structured elements and/or any other specific block."
registrationStatus="Provisionally Registered"
minOccurs="0"
xmlTag="SplmtryData"
complexType="_Qn0zC9p-Ed-ak6NoX_4Aeg_468227563" />
<messageDefinitionIdentifier
businessArea="acmt"
messageFunctionality="019"
flavour="001"
version="02" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.