pacs.004.001.02
Scope The PaymentReturn message is sent by an agent to the previous agent in the payment chain to undo a payment previously settled. Usage The PaymentReturn message is exchanged between agents to return funds after settlement of credit transfer instructions (i.e. FIToFICustomerCreditTransfer message and FinancialInstitutionCreditTransfer message) or direct debit instructions (FIToFICustomerDirectDebit message). The PaymentReturn message should not be used between agents and non-financial institution customers. Non-financial institution customers will be informed about a debit or a credit on their account(s) through a BankToCustomerDebitCreditNotification message (’notification’) and/or BankToCustomerAccountReport/BankToCustomerStatement message (‘statement’). The PaymentReturn message can be used to return single instructions or multiple instructions from one or different files. The PaymentReturn message can be used in domestic and cross-border scenarios. The PaymentReturn message refers to the original instruction(s) by means of references only or by means of references and a set of elements from the original instruction.
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
%% PaymentReturnV02 recursion level 0 with max 0
PaymentReturnV02 *-- "1..1" GroupHeader38 : GroupHeader
PaymentReturnV02 *-- "0..1" OriginalGroupInformation21 : OriginalGroupInformation
PaymentReturnV02 *-- "0..1" PaymentTransactionInformation27 : TransactionInformation
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
%% GroupHeader38 recursion level 0 with max 1
class GroupHeader38{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
BatchBooking IsoBatchBookingIndicator
NumberOfTransactions IsoMax15NumericText
ControlSum IsoDecimalNumber
GroupReturn IsoTrueFalseIndicator
TotalReturnedInterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
}
GroupHeader38 *-- "0..2" IAuthorisation1Choice : Authorisation
GroupHeader38 *-- "1..1" SettlementInformation13 : SettlementInformation
GroupHeader38 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent
GroupHeader38 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent
%% IAuthorisation1Choice recursion level 1 with max 1
%% 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
%% 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
GroupHeader38 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 |
| Authorisation | User identification or any user key to be used to check whether the initiating party is allowed to initiate transactions from the account specified in the message. | |
| 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 |
| GroupReturn | Indicates whether the return applies to the whole group of transactions or to individual transactions within the original group(s). | IsoTrueFalseIndicator - Optional 0..1 |
| TotalReturnedInterbankSettlementAmount | Total amount of money moved between the instructing agent and the instructed agent in the return message. | 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 |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | Usage: The instructing agent is the party sending the return message and not the party that sent the original instruction that is being returned. |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | Usage: The instructed agent is the party receiving the return message and not the party that received the original instruction that is being returned. |
OriginalGroupInformation building block
Information concerning the original group of transactions, to which the message refers. Set of elements used to provide information on the original group, to which the message refers. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% OriginalGroupInformation21 recursion level 0 with max 1
class OriginalGroupInformation21{
OriginalMessageIdentification IsoMax35Text
OriginalMessageNameIdentification IsoMax35Text
OriginalCreationDateTime IsoISODateTime
}
OriginalGroupInformation21 *-- "0..0" ReturnReasonInformation9 : ReturnReasonInformation
%% ReturnReasonInformation9 recursion level 1 with max 1
class ReturnReasonInformation9{
AdditionalInformation IsoMax105Text
}
ReturnReasonInformation9 *-- "0..1" PartyIdentification32 : Originator
ReturnReasonInformation9 *-- "0..1" IReturnReason5Choice : Reason
OriginalGroupInformation21 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| OriginalMessageIdentification | Point to point reference, as assigned by the original instructing party, to unambiguously identify the original message. | IsoMax35Text - Required 1..1 |
| OriginalMessageNameIdentification | Specifies the original message name identifier to which the message refers. | IsoMax35Text - Required 1..1 |
| OriginalCreationDateTime | Date and time at which the original message was created. | IsoISODateTime - Optional 0..1 |
| ReturnReasonInformation | Set of elements used to provide detailed information on the return reason. | ReturnReasonInformation9 - Unknown 0..0 |
TransactionInformation building block
Information concerning the original transactions, to which the return message refers. Set of elements used to provide reference and status information on the original transactions, included in the original instruction, to which the return message applies. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% PaymentTransactionInformation27 recursion level 0 with max 1
class PaymentTransactionInformation27{
ReturnIdentification IsoMax35Text
OriginalInstructionIdentification IsoMax35Text
OriginalEndToEndIdentification IsoMax35Text
OriginalTransactionIdentification IsoMax35Text
OriginalClearingSystemReference IsoMax35Text
OriginalInterbankSettlementAmount IsoActiveOrHistoricCurrencyAndAmount
ReturnedInterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
ReturnedInstructedAmount IsoActiveOrHistoricCurrencyAndAmount
ExchangeRate IsoBaseOneRate
CompensationAmount IsoActiveOrHistoricCurrencyAndAmount
ChargeBearer ChargeBearerType1Code
}
PaymentTransactionInformation27 *-- "0..1" OriginalGroupInformation3 : OriginalGroupInformation
PaymentTransactionInformation27 *-- "0..0" ChargesInformation5 : ChargesInformation
PaymentTransactionInformation27 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent
PaymentTransactionInformation27 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent
PaymentTransactionInformation27 *-- "0..0" ReturnReasonInformation9 : ReturnReasonInformation
PaymentTransactionInformation27 *-- "0..1" OriginalTransactionReference13 : OriginalTransactionReference
%% OriginalGroupInformation3 recursion level 1 with max 1
class OriginalGroupInformation3{
OriginalMessageIdentification IsoMax35Text
OriginalMessageNameIdentification IsoMax35Text
OriginalCreationDateTime IsoISODateTime
}
%% ChargesInformation5 recursion level 1 with max 1
class ChargesInformation5{
Amount IsoActiveOrHistoricCurrencyAndAmount
}
ChargesInformation5 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : Party
%% 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
%% ReturnReasonInformation9 recursion level 1 with max 1
class ReturnReasonInformation9{
AdditionalInformation IsoMax105Text
}
ReturnReasonInformation9 *-- "0..1" PartyIdentification32 : Originator
ReturnReasonInformation9 *-- "0..1" IReturnReason5Choice : Reason
%% OriginalTransactionReference13 recursion level 1 with max 1
class OriginalTransactionReference13{
InterbankSettlementAmount IsoActiveOrHistoricCurrencyAndAmount
InterbankSettlementDate IsoISODate
RequestedCollectionDate IsoISODate
RequestedExecutionDate IsoISODate
PaymentMethod PaymentMethod4Code
}
OriginalTransactionReference13 *-- "0..1" IAmountType3Choice : Amount
OriginalTransactionReference13 *-- "0..1" PartyIdentification32 : CreditorSchemeIdentification
OriginalTransactionReference13 *-- "0..1" SettlementInformation13 : SettlementInformation
OriginalTransactionReference13 *-- "0..1" PaymentTypeInformation22 : PaymentTypeInformation
OriginalTransactionReference13 *-- "0..1" MandateRelatedInformation6 : MandateRelatedInformation
OriginalTransactionReference13 *-- "0..1" RemittanceInformation5 : RemittanceInformation
OriginalTransactionReference13 *-- "0..1" PartyIdentification32 : UltimateDebtor
OriginalTransactionReference13 *-- "0..1" PartyIdentification32 : Debtor
OriginalTransactionReference13 *-- "0..1" CashAccount16 : DebtorAccount
OriginalTransactionReference13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : DebtorAgent
OriginalTransactionReference13 *-- "0..1" CashAccount16 : DebtorAgentAccount
OriginalTransactionReference13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : CreditorAgent
OriginalTransactionReference13 *-- "0..1" CashAccount16 : CreditorAgentAccount
OriginalTransactionReference13 *-- "0..1" PartyIdentification32 : Creditor
OriginalTransactionReference13 *-- "0..1" CashAccount16 : CreditorAccount
OriginalTransactionReference13 *-- "0..1" PartyIdentification32 : UltimateCreditor
PaymentTransactionInformation27 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| ReturnIdentification | Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the returned transaction. | Usage: The instructing party is the party sending the return message and not the party that sent the original instruction that is being returned. |
| OriginalGroupInformation | Set of elements used to provide information on the original messsage. | OriginalGroupInformation3 - Optional 0..1 |
| OriginalInstructionIdentification | Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction. | IsoMax35Text - Optional 0..1 |
| OriginalEndToEndIdentification | Unique identification, as assigned by the original initiating party, to unambiguously identify the original transaction. | IsoMax35Text - Optional 0..1 |
| OriginalTransactionIdentification | Unique identification, as assigned by the original first instructing agent, to umambiguously identify the transaction. | IsoMax35Text - Optional 0..1 |
| OriginalClearingSystemReference | Unique reference, as assigned by the original clearing system, to unambiguously identify the original instruction. | IsoMax35Text - Optional 0..1 |
| OriginalInterbankSettlementAmount | Amount of money, as provided in the original transaction, to be moved between the instructing agent and the instructed agent. | IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1 |
| ReturnedInterbankSettlementAmount | Amount of money moved between the instructing agent and the instructed agent in the returned transaction. | 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. | |
| ReturnedInstructedAmount | Amount of money to be moved between the debtor and the creditor, before deduction of charges, in the returned transaction. | IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1 |
| ExchangeRate | Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency. | IsoBaseOneRate - Optional 0..1 |
| CompensationAmount | Amount of money asked or paid as compensation for the processing of the instruction. | IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1 |
| ChargeBearer | Specifies which party/parties will bear the charges associated with the processing of the payment transaction. | |
| ChargesInformation | Provides information on the charges to be paid by the charge bearer(s) related to the processing of the return transaction. | ChargesInformation5 - Unknown 0..0 |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | |
| ReturnReasonInformation | Set of elements used to provide detailed information on the return reason. | ReturnReasonInformation9 - Unknown 0..0 |
| OriginalTransactionReference | Set of key elements used to identify the original transaction that is being referred to. | OriginalTransactionReference13 - Optional 0..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the PaymentReturnV02 implementation follows a specific implementaiton pattern. First of all, PaymentReturnV02 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, PaymentReturnV02Document implements IOuterDocument. Because PaymentReturnV02 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type PaymentReturnV02.
classDiagram
class IOuterRecord
PaymentReturnV02 --|> IOuterRecord : Implements
PaymentReturnV02Document --|> IOuterDocument~PaymentReturnV02~ : Implements
class IOuterDocument~PaymentReturnV02~ {
PaymentReturnV02 Message
}
Document wrapper for serialization
The only real purpose PaymentReturnV02Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.004.001.02’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using PaymentReturnV02.ToDocument() method. The returned PaymentReturnV02Document value will serialize correctly according to ISO 20022 standards.
classDiagram
PaymentReturnV02Document *-- PaymentReturnV02 : 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.004.001.02">
<PmtRtr>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<OrgnlGrpInf>
<!-- OriginalGroupInformation inner content -->
</OrgnlGrpInf>
<TxInf>
<!-- TransactionInformation inner content -->
</TxInf>
</PmtRtr>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_eqYWKtEuEd-BzquC8wXy7w_-993933741"
nextVersions="_sKU3QVkyEeGeoaLUQk__nA_-1417444477"
previousVersion="_eqFbL9EuEd-BzquC8wXy7w_1826980297"
name="PaymentReturnV02"
definition="Scope
The PaymentReturn message is sent by an agent to the previous agent in the payment chain to undo a payment previously settled.
Usage
The PaymentReturn message is exchanged between agents to return funds after settlement of credit transfer instructions (i.e. FIToFICustomerCreditTransfer message and FinancialInstitutionCreditTransfer message) or direct debit instructions (FIToFICustomerDirectDebit message).
The PaymentReturn message should not be used between agents and non-financial institution customers. Non-financial institution customers will be informed about a debit or a credit on their account(s) through a BankToCustomerDebitCreditNotification message ('notification') and/or BankToCustomerAccountReport/BankToCustomerStatement message ('statement').
The PaymentReturn message can be used to return single instructions or multiple instructions from one or different files.
The PaymentReturn message can be used in domestic and cross-border scenarios.
The PaymentReturn message refers to the original instruction(s) by means of references only or by means of references and a set of elements from the original instruction."
registrationStatus="Registered"
messageSet="_urpIICeJEeOCeO5e7islRQ"
xmlTag="PmtRtr"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_eqhgA9EuEd-BzquC8wXy7w_-817168210"
name="InstructedAgentRule"
definition="If GroupHeader/InstructedAgent is present, then TransactionInformation/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>/TransactionInformation[*]/InstructedAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructedAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqhgBtEuEd-BzquC8wXy7w_-817168209"
name="InstructingAgentRule"
definition="If GroupHeader/InstructingAgent is present, then TransactionInformation/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>/TransactionInformation[*]/InstructingAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructingAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqhgCdEuEd-BzquC8wXy7w_-817168178"
name="GroupReturnAndNumberOfTransactionsRule"
definition="If GroupHeader/GroupReturn is false, then GroupHeader/NumberOfTransactions must equal the number of occurrences of TransactionInformation."
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/NumberOfTransactions</leftOperand><rightOperand>Number Occurrences TransactionInformation</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/GroupReturn</leftOperand></BooleanRule><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/GroupReturn</leftOperand><rightOperand>false</rightOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqhgDNEuEd-BzquC8wXy7w_-817168148"
name="GroupReturnAndReturnReasonRule"
definition="If GroupHeader/GroupReturn is true, then OriginalGroupInformation/ReturnReasonInformation/ReturnReason 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>/OriginalGroupInformation/ReturnReasonInformation[*]/Reason</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/GroupReturn</leftOperand></BooleanRule><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/GroupReturn</leftOperand><rightOperand>true</rightOperand></BooleanRule><BooleanRule xsi:type="Presence"><leftOperand>/OriginalGroupInformation/ReturnReasonInformation[*]/AdditionalInformation[1]</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrRAtEuEd-BzquC8wXy7w_-817168147"
name="TotalReturnedInterbankSettlementAmountRule"
definition="If GroupHeader/TotalReturnedInterbankSettlementAmount is present, then all occurrences of TransactionInformation/ReturnedInterbankSettlementAmount must have the same currency as the currency of GroupHeader/TotalReturnedInterbankSettlementAmount."
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>/TransactionInformation[*]/ReturnedInterbankSettlementAmount/@Currency</leftOperand><rightOperand>/GroupHeader/TotalReturnedInterbankSettlementAmount/@Currency</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalReturnedInterbankSettlementAmount</leftOperand></BooleanRule><BooleanRule xsi:type="Presence"><leftOperand>/TransactionInformation[1]</leftOperand></BooleanRule><BooleanRule xsi:type="Presence"><leftOperand>/TransactionInformation[*]/ReturnedInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrRBdEuEd-BzquC8wXy7w_-817168118"
name="TotalReturnedInterbankSettlementAmountAndSumRule"
definition="GroupHeader/TotalReturnedInterbankSettlementAmount must equal the sum of all occurrences of TransactionInformation/ReturnedInterbankSettlementAmount when 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="EqualToValue"><leftOperand>/GroupHeader/TotalReturnedInterbankSettlementAmount</leftOperand><rightOperand>sum of TransactionInformation/ReturnedInterbankSttlementAmount</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalReturnedInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrRCNEuEd-BzquC8wXy7w_-817168087"
name="OriginalGroupInformationRule"
definition="If OriginalGroupInformation is present, then TransactionInformation/OriginalGroupInformation 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>/TransactionInformation[*]/OriginalGroupInformation</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/OriginalGroupInformation</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrRC9EuEd-BzquC8wXy7w_-817168056"
name="NoCoverSettlementMethodRule"
definition="GroupHeader/SettlementInformation/SettlementMethod must be different from COVE when returning direct debit transactions."
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="DifferentFromValue"><leftOperand>substring(/OriginalGroupInformation/OriginalMessageNameIdentification,1,8)</leftOperand><rightOperand>pacs.003</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/SettlementInformation</leftOperand></BooleanRule><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/SettlementInformation/SettlementMethod</leftOperand><rightOperand>CoverMethod</rightOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrRDtEuEd-BzquC8wXy7w_-1494931062"
name="GroupHeaderInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is present, then TransactionInformation/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>/TransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrREdEuEd-BzquC8wXy7w_-1494931031"
name="TransactionInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is not present, then TransactionInformation/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>/TransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrRFNEuEd-BzquC8wXy7w_-1384110991"
name="GroupReturnAndTransactionInformationNotPresentRule"
definition="If GroupHeader/GroupReturn is true, then TransactionInformation 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>/TransactionInformation[*]</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/GroupReturn</leftOperand></BooleanRule><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/GroupReturn</leftOperand><rightOperand>true</rightOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_eqrRF9EuEd-BzquC8wXy7w_-1384110960"
name="GroupReturnAndTransactionInformationPresentRule"
definition="If GroupHeader/GroupReturn is false, then at least one occurrence of TransactionInformation 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>/TransactionInformation[1]</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/GroupReturn</leftOperand></BooleanRule><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/GroupReturn</leftOperand><rightOperand>false</rightOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<messageBuildingBlock
xmi:id="_eqhgANEuEd-BzquC8wXy7w_-993933711"
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="_P1J_8tp-Ed-ak6NoX_4Aeg_1809638367" />
<messageBuildingBlock
xmi:id="_eqhgAdEuEd-BzquC8wXy7w_-993933370"
name="OriginalGroupInformation"
definition="Information concerning the original group of transactions, to which the message refers."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="0"
xmlTag="OrgnlGrpInf"
complexType="_PlNfc9p-Ed-ak6NoX_4Aeg_-545099253" />
<messageBuildingBlock
xmi:id="_eqhgAtEuEd-BzquC8wXy7w_-993933649"
name="TransactionInformation"
definition="Information concerning the original transactions, to which the return message refers."
registrationStatus="Provisionally Registered"
minOccurs="0"
xmlTag="TxInf"
complexType="_P5VVUdp-Ed-ak6NoX_4Aeg_225114103" />
<messageDefinitionIdentifier
businessArea="pacs"
messageFunctionality="004"
flavour="001"
version="02" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.