FinancialInstitutionCreditTransferV04

pacs.009.001.04

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
%% FinancialInstitutionCreditTransferV04 recursion level 0 with max 0
FinancialInstitutionCreditTransferV04 *-- "1..1" GroupHeader49 : GroupHeader
FinancialInstitutionCreditTransferV04 *-- "1..1" CreditTransferTransaction8 : CreditTransferTransactionInformation
FinancialInstitutionCreditTransferV04 *-- "0..1" SupplementaryData1 : SupplementaryData
  

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
%% GroupHeader49 recursion level 0 with max 1
class GroupHeader49{
    MessageIdentification IsoMax35Text
    CreationDateTime IsoISODateTime
    BatchBooking IsoBatchBookingIndicator
    NumberOfTransactions IsoMax15NumericText
    ControlSum IsoDecimalNumber
    TotalInterbankSettlementAmount IsoActiveCurrencyAndAmount
    InterbankSettlementDate IsoISODate
}
GroupHeader49 *-- "1..1" SettlementInstruction1 : SettlementInformation
GroupHeader49 *-- "0..1" PaymentTypeInformation21 : PaymentTypeInformation
GroupHeader49 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructingAgent
GroupHeader49 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructedAgent
%% SettlementInstruction1 recursion level 1 with max 1
class SettlementInstruction1{
    SettlementMethod SettlementMethod1Code
}
SettlementInstruction1 *-- "0..1" CashAccount24 : SettlementAccount
SettlementInstruction1 *-- "0..1" IClearingSystemIdentification3Choice : ClearingSystem
SettlementInstruction1 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructingReimbursementAgent
SettlementInstruction1 *-- "0..1" CashAccount24 : InstructingReimbursementAgentAccount
SettlementInstruction1 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructedReimbursementAgent
SettlementInstruction1 *-- "0..1" CashAccount24 : InstructedReimbursementAgentAccount
SettlementInstruction1 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : ThirdReimbursementAgent
SettlementInstruction1 *-- "0..1" CashAccount24 : ThirdReimbursementAgentAccount
%% PaymentTypeInformation21 recursion level 1 with max 1
class PaymentTypeInformation21{
    InstructionPriority Priority2Code
    ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation21 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation21 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation21 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
  

GroupHeader49 members

CreditTransferTransactionInformation building block

Set of elements providing information specific to the individual credit transfer(s). Provide further details specific to the individual transaction(s) included in the message. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% CreditTransferTransaction8 recursion level 0 with max 1
class CreditTransferTransaction8{
    InterbankSettlementAmount IsoActiveCurrencyAndAmount
    InterbankSettlementDate IsoISODate
    SettlementPriority Priority3Code
}
CreditTransferTransaction8 *-- "1..1" PaymentIdentification3 : PaymentIdentification
CreditTransferTransaction8 *-- "0..1" PaymentTypeInformation21 : PaymentTypeInformation
CreditTransferTransaction8 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
CreditTransferTransaction8 *-- "0..1" SettlementTimeRequest2 : SettlementTimeRequest
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : PreviousInstructingAgent
CreditTransferTransaction8 *-- "0..1" CashAccount24 : PreviousInstructingAgentAccount
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructingAgent
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructedAgent
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent1
CreditTransferTransaction8 *-- "0..1" CashAccount24 : IntermediaryAgent1Account
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent2
CreditTransferTransaction8 *-- "0..1" CashAccount24 : IntermediaryAgent2Account
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent3
CreditTransferTransaction8 *-- "0..1" CashAccount24 : IntermediaryAgent3Account
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : UltimateDebtor
CreditTransferTransaction8 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : Debtor
CreditTransferTransaction8 *-- "0..1" CashAccount24 : DebtorAccount
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : DebtorAgent
CreditTransferTransaction8 *-- "0..1" CashAccount24 : DebtorAgentAccount
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : CreditorAgent
CreditTransferTransaction8 *-- "0..1" CashAccount24 : CreditorAgentAccount
CreditTransferTransaction8 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : Creditor
CreditTransferTransaction8 *-- "0..1" CashAccount24 : CreditorAccount
CreditTransferTransaction8 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : UltimateCreditor
CreditTransferTransaction8 *-- "0..0" InstructionForCreditorAgent2 : InstructionForCreditorAgent
CreditTransferTransaction8 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransaction8 *-- "0..1" RemittanceInformation2 : RemittanceInformation
CreditTransferTransaction8 *-- "0..1" CreditTransferTransaction3 : UnderlyingCustomerCreditTransfer
CreditTransferTransaction8 *-- "0..0" SupplementaryData1 : SupplementaryData
%% PaymentIdentification3 recursion level 1 with max 1
class PaymentIdentification3{
    InstructionIdentification IsoMax35Text
    EndToEndIdentification IsoMax35Text
    TransactionIdentification IsoMax35Text
    ClearingSystemReference IsoMax35Text
}
%% PaymentTypeInformation21 recursion level 1 with max 1
class PaymentTypeInformation21{
    InstructionPriority Priority2Code
    ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation21 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation21 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation21 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% 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
}
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "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
}
%% CreditTransferTransaction3 recursion level 1 with max 1
class CreditTransferTransaction3{
    InstructedAmount IsoActiveOrHistoricCurrencyAndAmount
}
CreditTransferTransaction3 *-- "0..1" PartyIdentification43 : UltimateDebtor
CreditTransferTransaction3 *-- "0..1" PartyIdentification43 : InitiatingParty
CreditTransferTransaction3 *-- "1..1" PartyIdentification43 : Debtor
CreditTransferTransaction3 *-- "0..1" CashAccount24 : DebtorAccount
CreditTransferTransaction3 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : DebtorAgent
CreditTransferTransaction3 *-- "0..1" CashAccount24 : DebtorAgentAccount
CreditTransferTransaction3 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : PreviousInstructingAgent
CreditTransferTransaction3 *-- "0..1" CashAccount24 : PreviousInstructingAgentAccount
CreditTransferTransaction3 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent1
CreditTransferTransaction3 *-- "0..1" CashAccount24 : IntermediaryAgent1Account
CreditTransferTransaction3 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent2
CreditTransferTransaction3 *-- "0..1" CashAccount24 : IntermediaryAgent2Account
CreditTransferTransaction3 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent3
CreditTransferTransaction3 *-- "0..1" CashAccount24 : IntermediaryAgent3Account
CreditTransferTransaction3 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : CreditorAgent
CreditTransferTransaction3 *-- "0..1" CashAccount24 : CreditorAgentAccount
CreditTransferTransaction3 *-- "1..1" PartyIdentification43 : Creditor
CreditTransferTransaction3 *-- "0..1" CashAccount24 : CreditorAccount
CreditTransferTransaction3 *-- "0..1" PartyIdentification43 : UltimateCreditor
CreditTransferTransaction3 *-- "0..1" RemittanceInformation7 : RemittanceInformation
%% SupplementaryData1 recursion level 1 with max 1
class SupplementaryData1{
    PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
  

CreditTransferTransaction8 members

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

Extensibility and generalization considerations

To facilitate generalized design patterns in the system, the FinancialInstitutionCreditTransferV04 implementation follows a specific implementaiton pattern. First of all, FinancialInstitutionCreditTransferV04 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FinancialInstitutionCreditTransferV04Document implements IOuterDocument. Because FinancialInstitutionCreditTransferV04 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FinancialInstitutionCreditTransferV04.

classDiagram
    class IOuterRecord
    FinancialInstitutionCreditTransferV04 --|> IOuterRecord : Implements
    FinancialInstitutionCreditTransferV04Document --|> IOuterDocument~FinancialInstitutionCreditTransferV04~ : Implements
    class IOuterDocument~FinancialInstitutionCreditTransferV04~ {
        FinancialInstitutionCreditTransferV04 Message
     }
  

Document wrapper for serialization

The only real purpose FinancialInstitutionCreditTransferV04Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.009.001.04’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FinancialInstitutionCreditTransferV04.ToDocument() method. The returned FinancialInstitutionCreditTransferV04Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    FinancialInstitutionCreditTransferV04Document *-- FinancialInstitutionCreditTransferV04 : 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.009.001.04">
    <FICdtTrf>
        <GrpHdr>
            <!-- GroupHeader inner content -->
        </GrpHdr>
        <CdtTrfTxInf>
            <!-- CreditTransferTransactionInformation inner content -->
        </CdtTrfTxInf>
        <SplmtryData>
            <!-- SupplementaryData inner content -->
        </SplmtryData>
    </FICdtTrf>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_dv-LESGnEeKjd4jizyIDGA"
  nextVersions="_fTgMORPeEeSVo-TFVwFHvA"
  previousVersion="_sB-zkFkyEeGeoaLUQk__nA_-289152134"
  name="FinancialInstitutionCreditTransferV04"
  definition="Scope&#xD;&#xA;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.&#xD;&#xA;It is used to move funds from a debtor account to a creditor, where both debtor and creditor are financial institutions.&#xD;&#xA;Usage&#xD;&#xA;The FinancialInstitutionCreditTransfer message is exchanged between agents and can contain one or more credit transfer instructions where debtor and creditor are both financial institutions.&#xD;&#xA;The FinancialInstitutionCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction.&#xD;&#xA;The FinancialInstitutionCreditTransfer message can be used in domestic and cross-border scenarios."
  registrationStatus="Registered"
  messageSet="_urpIICeJEeOCeO5e7islRQ"
  xmlTag="FICdtTrf"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <constraint
    xmi:id="_dv-LEyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMOxPeEeSVo-TFVwFHvA"
    name="InstructedAgentRule"
    definition="If GroupHeader/InstructedAgent is present, then CreditTransferTransactionInformation/InstructedAgent is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InstructedAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InstructedAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_dv-LFyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMPRPeEeSVo-TFVwFHvA"
    name="InstructingAgentRule"
    definition="If GroupHeader/InstructingAgent is present, then CreditTransferTransactionInformation/InstructingAgent is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InstructingAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InstructingAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_dv-LGyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMPxPeEeSVo-TFVwFHvA"
    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="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;EqualToNode&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InterbankSettlementAmount/@Currency&lt;/leftOperand&gt;&lt;rightOperand&gt;/GroupHeader/TotalInterbankSettlementAmount/@Currency&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/TotalInterbankSettlementAmount&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_dv-LHyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMQRPeEeSVo-TFVwFHvA"
    name="TotalInterbankSettlementAmountAndSumRule"
    definition="If GroupHeader/TotalInterbankSettlementAmount is present, then it must equal the sum of all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/TotalInterbankSettlementAmount&lt;/leftOperand&gt;&lt;rightOperand&gt;sum of /CreditTransferTransactionInformation/InterbankSettlementAmount&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/TotalInterbankSettlementAmount&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_dv-LIyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMQxPeEeSVo-TFVwFHvA"
    name="GroupHeaderInterbankSettlementDateRule"
    definition="If GroupHeader/InterbankSettlementDate is present, then CreditTransferTransactionInformation/InterbankSettlementDate is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_dv-LJyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMRRPeEeSVo-TFVwFHvA"
    name="TransactionInterbankSettlementDateRule"
    definition="If GroupHeader/InterbankSettlementDate is not present, then CreditTransferTransactionInformation/InterbankSettlementDate must be present."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_dv-LKyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMRxPeEeSVo-TFVwFHvA"
    name="PaymentTypeInformationRule"
    definition="If GroupHeader/PaymentTypeInformation is present, then CreditTransferTransactionInformation/PaymentTypeInformation is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/PaymentTypeInformation&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/PaymentTypeInformation&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_e7srtyHZEeKGEZlIMFwKzg"
    nextVersions="_fTgMSRPeEeSVo-TFVwFHvA"
    name="SupplementaryDataRule"
    definition="The SupplementaryData building block at message level must not be used to provide additional information about a transaction. The SupplementaryData element at transaction level should be used for that purpose."
    registrationStatus="Provisionally Registered" />
  <messageBuildingBlock
    xmi:id="_dv-LLyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMSxPeEeSVo-TFVwFHvA"
    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="_s4rLAlkyEeGeoaLUQk__nA_-650190179" />
  <messageBuildingBlock
    xmi:id="_dv-LMyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMTRPeEeSVo-TFVwFHvA"
    name="CreditTransferTransactionInformation"
    definition="Set of elements providing information specific to the individual credit transfer(s)."
    registrationStatus="Provisionally Registered"
    minOccurs="1"
    xmlTag="CdtTrfTxInf"
    complexType="_d0zygSHNEeKXpaAk3g3urA" />
  <messageBuildingBlock
    xmi:id="_dv-LNyGnEeKjd4jizyIDGA"
    nextVersions="_fTgMTxPeEeSVo-TFVwFHvA"
    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="pacs"
    messageFunctionality="009"
    flavour="001"
    version="04" />
</messageDefinition>

ISO Building Blocks

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