pacs.009.001.02
Scope The FinancialInstitutionCreditTransfer message is sent by a debtor financial institution to a creditor financial institution, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor account to a creditor, where both debtor and creditor are financial institutions. Usage The FinancialInstitutionCreditTransfer message is exchanged between agents and can contain one or more credit transfer instructions where debtor and creditor are both financial institutions. The FinancialInstitutionCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction. The FinancialInstitutionCreditTransfer message can be used in domestic and cross-border scenarios.
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 %% FinancialInstitutionCreditTransferV02 recursion level 0 with max 0 FinancialInstitutionCreditTransferV02 *-- "1..1" GroupHeader35 : GroupHeader FinancialInstitutionCreditTransferV02 *-- "1..1" CreditTransferTransactionInformation13 : CreditTransferTransactionInformation
Now, we will zero-in one-by-one on each of these building blocks.
GroupHeader building block
Set of characteristics shared by all individual transactions included in the message. Set of characteristics shared by all individual transactions included in the message. For comparison, see the ISO20022 official specification
classDiagram direction tb %% GroupHeader35 recursion level 0 with max 1 class GroupHeader35{ MessageIdentification IsoMax35Text CreationDateTime IsoISODateTime BatchBooking IsoBatchBookingIndicator NumberOfTransactions IsoMax15NumericText ControlSum IsoDecimalNumber TotalInterbankSettlementAmount IsoActiveCurrencyAndAmount InterbankSettlementDate IsoISODate } GroupHeader35 *-- "1..1" SettlementInformation13 : SettlementInformation GroupHeader35 *-- "0..1" PaymentTypeInformation23 : PaymentTypeInformation GroupHeader35 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent GroupHeader35 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent %% SettlementInformation13 recursion level 1 with max 1 class SettlementInformation13{ SettlementMethod SettlementMethod1Code } SettlementInformation13 *-- "0..1" CashAccount16 : SettlementAccount SettlementInformation13 *-- "0..1" IClearingSystemIdentification3Choice : ClearingSystem SettlementInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingReimbursementAgent SettlementInformation13 *-- "0..1" CashAccount16 : InstructingReimbursementAgentAccount SettlementInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedReimbursementAgent SettlementInformation13 *-- "0..1" CashAccount16 : InstructedReimbursementAgentAccount SettlementInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : ThirdReimbursementAgent SettlementInformation13 *-- "0..1" CashAccount16 : ThirdReimbursementAgentAccount %% PaymentTypeInformation23 recursion level 1 with max 1 class PaymentTypeInformation23{ InstructionPriority Priority2Code ClearingChannel ClearingChannel2Code } PaymentTypeInformation23 *-- "0..1" IServiceLevel8Choice : ServiceLevel PaymentTypeInformation23 *-- "0..1" ILocalInstrument2Choice : LocalInstrument %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
GroupHeader35 members
Member name | Description | Data Type / Multiplicity |
---|---|---|
MessageIdentification | Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message. | Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period. |
CreationDateTime | Date and time at which the message was created. | IsoISODateTime - Required 1..1 |
BatchBooking | Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a message is requested. | Usage: Batch booking is used to request and not order a possible batch booking. |
NumberOfTransactions | Number of individual transactions contained in the message. | IsoMax15NumericText - Required 1..1 |
ControlSum | Total of all individual amounts included in the message, irrespective of currencies. | IsoDecimalNumber - Optional 0..1 |
TotalInterbankSettlementAmount | Total amount of money moved between the instructing agent and the instructed agent. | IsoActiveCurrencyAndAmount - Optional 0..1 |
InterbankSettlementDate | Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. | IsoISODate - Optional 0..1 |
SettlementInformation | Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed. | SettlementInformation13 - Required 1..1 |
PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation23 - Optional 0..1 |
InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
CreditTransferTransactionInformation building block
Set of elements providing information specific to the individual credit transfer(s). Set of elements used to provide information specific to the individual transaction(s) included in the message. For comparison, see the ISO20022 official specification
classDiagram direction tb %% CreditTransferTransactionInformation13 recursion level 0 with max 1 class CreditTransferTransactionInformation13{ InterbankSettlementAmount IsoActiveCurrencyAndAmount InterbankSettlementDate IsoISODate SettlementPriority Priority3Code } CreditTransferTransactionInformation13 *-- "1..1" PaymentIdentification3 : PaymentIdentification CreditTransferTransactionInformation13 *-- "0..1" PaymentTypeInformation23 : PaymentTypeInformation CreditTransferTransactionInformation13 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication CreditTransferTransactionInformation13 *-- "0..1" SettlementTimeRequest2 : SettlementTimeRequest CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : PreviousInstructingAgent CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : PreviousInstructingAgentAccount CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent1 CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : IntermediaryAgent1Account CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent2 CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : IntermediaryAgent2Account CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent3 CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : IntermediaryAgent3Account CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : UltimateDebtor CreditTransferTransactionInformation13 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : Debtor CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : DebtorAccount CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : DebtorAgent CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : DebtorAgentAccount CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : CreditorAgent CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : CreditorAgentAccount CreditTransferTransactionInformation13 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : Creditor CreditTransferTransactionInformation13 *-- "0..1" CashAccount16 : CreditorAccount CreditTransferTransactionInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : UltimateCreditor CreditTransferTransactionInformation13 *-- "0..0" InstructionForCreditorAgent2 : InstructionForCreditorAgent CreditTransferTransactionInformation13 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent CreditTransferTransactionInformation13 *-- "0..1" RemittanceInformation2 : RemittanceInformation CreditTransferTransactionInformation13 *-- "0..1" CreditTransferTransactionInformation12 : UnderlyingCustomerCreditTransfer %% PaymentIdentification3 recursion level 1 with max 1 class PaymentIdentification3{ InstructionIdentification IsoMax35Text EndToEndIdentification IsoMax35Text TransactionIdentification IsoMax35Text ClearingSystemReference IsoMax35Text } %% PaymentTypeInformation23 recursion level 1 with max 1 class PaymentTypeInformation23{ InstructionPriority Priority2Code ClearingChannel ClearingChannel2Code } PaymentTypeInformation23 *-- "0..1" IServiceLevel8Choice : ServiceLevel PaymentTypeInformation23 *-- "0..1" ILocalInstrument2Choice : LocalInstrument %% SettlementDateTimeIndication1 recursion level 1 with max 1 class SettlementDateTimeIndication1{ DebitDateTime IsoISODateTime CreditDateTime IsoISODateTime } %% SettlementTimeRequest2 recursion level 1 with max 1 class SettlementTimeRequest2{ CLSTime IsoISOTime TillTime IsoISOTime FromTime IsoISOTime RejectTime IsoISOTime } %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% CashAccount16 recursion level 1 with max 1 class CashAccount16{ Currency ActiveOrHistoricCurrencyCode Name IsoMax70Text } CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification CashAccount16 *-- "0..1" CashAccountType2 : Type %% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1 BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification %% InstructionForCreditorAgent2 recursion level 1 with max 1 class InstructionForCreditorAgent2{ Code Instruction5Code InstructionInformation IsoMax140Text } %% InstructionForNextAgent1 recursion level 1 with max 1 class InstructionForNextAgent1{ Code Instruction4Code InstructionInformation IsoMax140Text } %% RemittanceInformation2 recursion level 1 with max 1 class RemittanceInformation2{ Unstructured IsoMax140Text } %% CreditTransferTransactionInformation12 recursion level 1 with max 1 class CreditTransferTransactionInformation12{ InstructedAmount IsoActiveOrHistoricCurrencyAndAmount } CreditTransferTransactionInformation12 *-- "0..1" PartyIdentification32 : UltimateDebtor CreditTransferTransactionInformation12 *-- "0..1" PartyIdentification32 : InitiatingParty CreditTransferTransactionInformation12 *-- "1..1" PartyIdentification32 : Debtor CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : DebtorAccount CreditTransferTransactionInformation12 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : DebtorAgent CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : DebtorAgentAccount CreditTransferTransactionInformation12 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : PreviousInstructingAgent CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : PreviousInstructingAgentAccount CreditTransferTransactionInformation12 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent1 CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : IntermediaryAgent1Account CreditTransferTransactionInformation12 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent2 CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : IntermediaryAgent2Account CreditTransferTransactionInformation12 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent3 CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : IntermediaryAgent3Account CreditTransferTransactionInformation12 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : CreditorAgent CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : CreditorAgentAccount CreditTransferTransactionInformation12 *-- "1..1" PartyIdentification32 : Creditor CreditTransferTransactionInformation12 *-- "0..1" CashAccount16 : CreditorAccount CreditTransferTransactionInformation12 *-- "0..1" PartyIdentification32 : UltimateCreditor CreditTransferTransactionInformation12 *-- "0..1" RemittanceInformation5 : RemittanceInformation
CreditTransferTransactionInformation13 members
Member name | Description | Data Type / Multiplicity |
---|---|---|
PaymentIdentification | Set of elements used to reference a payment instruction. | PaymentIdentification3 - Required 1..1 |
PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation23 - Optional 0..1 |
InterbankSettlementAmount | Amount of money moved between the instructing agent and the instructed agent. | IsoActiveCurrencyAndAmount - Required 1..1 |
InterbankSettlementDate | Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. | IsoISODate - Optional 0..1 |
SettlementPriority | Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the settlement instruction. | Priority3Code - Optional 0..1 |
SettlementTimeIndication | Provides information on the occurred settlement time(s) of the payment transaction. | SettlementDateTimeIndication1 - Optional 0..1 |
SettlementTimeRequest | Provides information on the requested settlement time(s) of the payment instruction. | SettlementTimeRequest2 - Optional 0..1 |
PreviousInstructingAgent | Agent immediately prior to the instructing agent. | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
PreviousInstructingAgentAccount | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
IntermediaryAgent1 | Agent between the debtor’s agent and the creditor’s agent. | |
IntermediaryAgent1Account | Unambiguous identification of the account of the intermediary agent 1 at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
IntermediaryAgent2 | Agent between the debtor’s agent and the creditor’s agent. | |
IntermediaryAgent2Account | Unambiguous identification of the account of the intermediary agent 2 at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
IntermediaryAgent3 | Agent between the debtor’s agent and the creditor’s agent. | |
IntermediaryAgent3Account | Unambiguous identification of the account of the intermediary agent 3 at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
UltimateDebtor | Ultimate financial institution that owes an amount of money to the (ultimate) institutional creditor. | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
Debtor | Financial institution that owes an amount of money to the (ultimate) financial institutional creditor. | BranchAndFinancialInstitutionIdentification4 - Required 1..1 |
DebtorAccount | Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. | CashAccount16 - Optional 0..1 |
DebtorAgent | Financial institution servicing an account for the debtor. | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
DebtorAgentAccount | Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
CreditorAgent | Financial institution servicing an account for the creditor. | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
CreditorAgentAccount | Unambiguous identification of the account of the creditor agent at its servicing agent to which a credit entry will be made as a result of the payment transaction. | CashAccount16 - Optional 0..1 |
Creditor | Financial institution that receives an amount of money from the financial institutional debtor. | BranchAndFinancialInstitutionIdentification4 - Required 1..1 |
CreditorAccount | Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. | CashAccount16 - Optional 0..1 |
UltimateCreditor | Ultimate financial institution to which an amount of money is due. | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
InstructionForCreditorAgent | Further information related to the processing of the payment instruction, provided by the initiating party, and intended for the creditor agent. | InstructionForCreditorAgent2 - Unknown 0..0 |
InstructionForNextAgent | Further information related to the processing of the payment instruction that may need to be acted upon by the next agent. | |
RemittanceInformation | Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts’ receivable system. | RemittanceInformation2 - Optional 0..1 |
UnderlyingCustomerCreditTransfer | Set of elements used to provide information on the underlying customer credit transfer for which cover is provided. | CreditTransferTransactionInformation12 - Optional 0..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the FinancialInstitutionCreditTransferV02 implementation follows a specific implementaiton pattern. First of all, FinancialInstitutionCreditTransferV02 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FinancialInstitutionCreditTransferV02Document implements IOuterDocument. Because FinancialInstitutionCreditTransferV02 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FinancialInstitutionCreditTransferV02.
classDiagram class IOuterRecord FinancialInstitutionCreditTransferV02 --|> IOuterRecord : Implements FinancialInstitutionCreditTransferV02Document --|> IOuterDocument~FinancialInstitutionCreditTransferV02~ : Implements class IOuterDocument~FinancialInstitutionCreditTransferV02~ { FinancialInstitutionCreditTransferV02 Message }
Document wrapper for serialization
The only real purpose FinancialInstitutionCreditTransferV02Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.009.001.02’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FinancialInstitutionCreditTransferV02.ToDocument() method. The returned FinancialInstitutionCreditTransferV02Document value will serialize correctly according to ISO 20022 standards.
classDiagram FinancialInstitutionCreditTransferV02Document *-- FinancialInstitutionCreditTransferV02 : 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:pacs.009.001.02">
<FinInstnCdtTrf>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<CdtTrfTxInf>
<!-- CreditTransferTransactionInformation inner content -->
</CdtTrfTxInf>
</FinInstnCdtTrf>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_ef8nstEuEd-BzquC8wXy7w_-1794247615"
nextVersions="_sB-zkFkyEeGeoaLUQk__nA_-289152134"
previousVersion="_efpsyNEuEd-BzquC8wXy7w_-942514611"
name="FinancialInstitutionCreditTransferV02"
definition="Scope
The FinancialInstitutionCreditTransfer message is sent by a debtor financial institution to a creditor financial institution, directly or through other agents and/or a payment clearing and settlement system.
It is used to move funds from a debtor account to a creditor, where both debtor and creditor are financial institutions.
Usage
The FinancialInstitutionCreditTransfer message is exchanged between agents and can contain one or more credit transfer instructions where debtor and creditor are both financial institutions.
The FinancialInstitutionCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction.
The FinancialInstitutionCreditTransfer message can be used in domestic and cross-border scenarios."
registrationStatus="Registered"
messageSet="_urpIICeJEeOCeO5e7islRQ"
xmlTag="FinInstnCdtTrf"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_ef8ntdEuEd-BzquC8wXy7w_739189565"
name="InstructedAgentRule"
definition="If GroupHeader/InstructedAgent is present, then CreditTransferTransactionInformation/InstructedAgent is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/InstructedAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructedAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ef8nuNEuEd-BzquC8wXy7w_739189595"
name="InstructingAgentRule"
definition="If GroupHeader/InstructingAgent is present, then CreditTransferTransactionInformation/InstructingAgent is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/InstructingAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructingAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ef8nu9EuEd-BzquC8wXy7w_739189657"
name="TotalInterbankSettlementAmountRule"
definition="If GroupHeader/TotalInterbankSettlementAmount is present, then all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount must have the same currency as the currency of GroupHeader/TotalInterbankSettlementAmount."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToNode"><leftOperand>/CreditTransferTransactionInformation[*]/InterbankSettlementAmount/@Currency</leftOperand><rightOperand>/GroupHeader/TotalInterbankSettlementAmount/@Currency</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ef8nvtEuEd-BzquC8wXy7w_739189687"
name="TotalInterbankSettlementAmountAndSumRule"
definition="If GroupHeader/TotalInterbankSettlementAmount is present, then it must equal the sum of all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand><rightOperand>sum of /CreditTransferTransactionInformation/InterbankSettlementAmount</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ef8nwdEuEd-BzquC8wXy7w_739189718"
name="GroupHeaderInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is present, then CreditTransferTransactionInformation/InterbankSettlementDate is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_egGYstEuEd-BzquC8wXy7w_739189965"
name="TransactionInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is not present, then CreditTransferTransactionInformation/InterbankSettlementDate must be present."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/CreditTransferTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_egGYtdEuEd-BzquC8wXy7w_739190027"
name="PaymentTypeInformationRule"
definition="If GroupHeader/PaymentTypeInformation is present, then CreditTransferTransactionInformation/PaymentTypeInformation is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/PaymentTypeInformation</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/PaymentTypeInformation</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<messageBuildingBlock
xmi:id="_ef8ns9EuEd-BzquC8wXy7w_-1794247584"
name="GroupHeader"
definition="Set of characteristics shared by all individual transactions included in the message."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="GrpHdr"
complexType="_Pz9tKNp-Ed-ak6NoX_4Aeg_-1416527618" />
<messageBuildingBlock
xmi:id="_ef8ntNEuEd-BzquC8wXy7w_-1794247244"
name="CreditTransferTransactionInformation"
definition="Set of elements providing information specific to the individual credit transfer(s)."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="CdtTrfTxInf"
complexType="_TNX4-Np-Ed-ak6NoX_4Aeg_-1374970422" />
<messageDefinitionIdentifier
businessArea="pacs"
messageFunctionality="009"
flavour="001"
version="02" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.