pain.013.001.06
The CreditorPaymentActivationRequest message is sent by the Creditor sending party to the Debtor receiving party, directly or through agents. It is used by a Creditor to request movement of funds from the debtor account to a creditor.
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
%% CreditorPaymentActivationRequestV06 recursion level 0 with max 0
CreditorPaymentActivationRequestV06 *-- "1..1" GroupHeader45 : GroupHeader
CreditorPaymentActivationRequestV06 *-- "1..1" PaymentInstruction23 : PaymentInformation
CreditorPaymentActivationRequestV06 *-- "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
%% GroupHeader45 recursion level 0 with max 1
class GroupHeader45{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
NumberOfTransactions IsoMax15NumericText
ControlSum IsoDecimalNumber
}
GroupHeader45 *-- "1..1" PartyIdentification43 : InitiatingParty
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
GroupHeader45 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| MessageIdentification | Point to point reference 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. | IsoMax35Text - Required 1..1 |
| CreationDateTime | Date and time at which a (group of) payment instruction(s) was created by the instructing party. | IsoISODateTime - Required 1..1 |
| 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 |
| InitiatingParty | Party initiating the creditor payment activation request. This can either be the creditor himself or the party that initiates the request on behalf of the creditor. | PartyIdentification43 - Required 1..1 |
PaymentInformation building block
Set of characteristics that applies to the debit side of the payment transactions included in the creditor payment initiation. Instruction to pay an amount of money to an ultimate beneficiary, on behalf of an originator. This instruction may have to be forwarded several times to complete the settlement chain. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% PaymentInstruction23 recursion level 0 with max 1
class PaymentInstruction23{
PaymentInformationIdentification IsoMax35Text
PaymentMethod PaymentMethod7Code
ChargeBearer ChargeBearerType1Code
}
PaymentInstruction23 *-- "0..1" PaymentTypeInformation19 : PaymentTypeInformation
PaymentInstruction23 *-- "1..1" IDateAndDateTimeChoice : RequestedExecutionDate
PaymentInstruction23 *-- "1..1" PartyIdentification43 : Debtor
PaymentInstruction23 *-- "0..1" CashAccount24 : DebtorAccount
PaymentInstruction23 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : DebtorAgent
PaymentInstruction23 *-- "0..1" PartyIdentification43 : UltimateDebtor
PaymentInstruction23 *-- "1..0" CreditTransferTransaction22 : CreditTransferTransaction
%% PaymentTypeInformation19 recursion level 1 with max 1
class PaymentTypeInformation19{
InstructionPriority Priority2Code
}
PaymentTypeInformation19 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation19 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation19 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% IDateAndDateTimeChoice recursion level 1 with max 1
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% 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
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% CreditTransferTransaction22 recursion level 1 with max 1
class CreditTransferTransaction22{
ChargeBearer ChargeBearerType1Code
}
CreditTransferTransaction22 *-- "1..1" PaymentIdentification1 : PaymentIdentification
CreditTransferTransaction22 *-- "0..1" PaymentTypeInformation19 : PaymentTypeInformation
CreditTransferTransaction22 *-- "1..1" IAmountType4Choice : Amount
CreditTransferTransaction22 *-- "0..1" Cheque7 : ChequeInstruction
CreditTransferTransaction22 *-- "0..1" PartyIdentification43 : UltimateDebtor
CreditTransferTransaction22 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent1
CreditTransferTransaction22 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent2
CreditTransferTransaction22 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent3
CreditTransferTransaction22 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : CreditorAgent
CreditTransferTransaction22 *-- "1..1" PartyIdentification43 : Creditor
CreditTransferTransaction22 *-- "0..1" CashAccount24 : CreditorAccount
CreditTransferTransaction22 *-- "0..1" PartyIdentification43 : UltimateCreditor
CreditTransferTransaction22 *-- "0..0" InstructionForCreditorAgent1 : InstructionForCreditorAgent
CreditTransferTransaction22 *-- "0..1" IPurpose2Choice : Purpose
CreditTransferTransaction22 *-- "0..10" RegulatoryReporting3 : RegulatoryReporting
CreditTransferTransaction22 *-- "0..1" TaxInformation3 : Tax
CreditTransferTransaction22 *-- "0..10" RemittanceLocation4 : RelatedRemittanceInformation
CreditTransferTransaction22 *-- "0..1" RemittanceInformation11 : RemittanceInformation
CreditTransferTransaction22 *-- "0..0" SupplementaryData1 : SupplementaryData
PaymentInstruction23 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| PaymentInformationIdentification | Reference assigned by a sending party to unambiguously identify the payment information block within the message. | IsoMax35Text - Optional 0..1 |
| PaymentMethod | Specifies the means of payment that will be used to move the amount of money. | PaymentMethod7Code - Required 1..1 |
| PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation19 - Optional 0..1 |
| RequestedExecutionDate | Date at which the initiating party requests the clearing agent to process the payment. If payment by cheque, the date when the cheque must be generated by the bank. Usage: This is the date on which the debtor’s account(s) is (are) to be debited. | IDateAndDateTimeChoice - Required 1..1 |
| Debtor | Party that owes an amount of money to the (ultimate) creditor. | PartyIdentification43 - Required 1..1 |
| DebtorAccount | Account used to process charges associated with a transaction. | CashAccount24 - Optional 0..1 |
| DebtorAgent | Financial institution servicing an account for the debtor. | BranchAndFinancialInstitutionIdentification5 - Required 1..1 |
| UltimateDebtor | Ultimate party that owes an amount of money to the (ultimate) creditor. | PartyIdentification43 - Optional 0..1 |
| ChargeBearer | Specifies which party/parties will bear the charges associated with the processing of the payment transaction. | ChargeBearerType1Code - Optional 0..1 |
| CreditTransferTransaction | Payment processes required to transfer cash from the debtor to the creditor. | CreditTransferTransaction22 - Unknown 1..0 |
SupplementaryData building block
Additional information that cannot be captured in the structured elements and/or any other specific block. Additional information that can not be captured in the structured fields and/or any other specific block. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% SupplementaryData1 recursion level 0 with max 1
class SupplementaryData1{
PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
%% IsoSupplementaryDataEnvelope1 recursion level 1 with max 1
SupplementaryData1 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| PlaceAndName | Unambiguous reference to the location where the supplementary data must be inserted in the message instance. In the case of XML, this is expressed by a valid XPath. | IsoMax350Text - Optional 0..1 |
| Envelope | Technical element wrapping the supplementary data. | IsoSupplementaryDataEnvelope1 - Required 1..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the CreditorPaymentActivationRequestV06 implementation follows a specific implementaiton pattern. First of all, CreditorPaymentActivationRequestV06 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, CreditorPaymentActivationRequestV06Document implements IOuterDocument. Because CreditorPaymentActivationRequestV06 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type CreditorPaymentActivationRequestV06.
classDiagram
class IOuterRecord
CreditorPaymentActivationRequestV06 --|> IOuterRecord : Implements
CreditorPaymentActivationRequestV06Document --|> IOuterDocument~CreditorPaymentActivationRequestV06~ : Implements
class IOuterDocument~CreditorPaymentActivationRequestV06~ {
CreditorPaymentActivationRequestV06 Message
}
Document wrapper for serialization
The only real purpose CreditorPaymentActivationRequestV06Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pain.013.001.06’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using CreditorPaymentActivationRequestV06.ToDocument() method. The returned CreditorPaymentActivationRequestV06Document value will serialize correctly according to ISO 20022 standards.
classDiagram
CreditorPaymentActivationRequestV06Document *-- CreditorPaymentActivationRequestV06 : 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:pain.013.001.06">
<CdtrPmtActvtnReq>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<PmtInf>
<!-- PaymentInformation inner content -->
</PmtInf>
<SplmtryData>
<!-- SupplementaryData inner content -->
</SplmtryData>
</CdtrPmtActvtnReq>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_ApJ-gZRtEeazAtAtDSg0Nw"
nextVersions="_eYI_5W2PEei3KuUgpx7Xcw"
previousVersion="_akmd4TqxEeWZFYSPlduMhw"
name="CreditorPaymentActivationRequestV06"
definition="The CreditorPaymentActivationRequest message is sent by the Creditor sending party to the Debtor receiving party, directly or through agents. It is used by a Creditor to request movement of funds from the debtor account to a creditor."
registrationStatus="Registered"
messageSet="_urpIICeJEeOCeO5e7islRQ"
xmlTag="CdtrPmtActvtnReq"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_ApJ-g5RtEeazAtAtDSg0Nw"
nextVersions="_eYI_522PEei3KuUgpx7Xcw"
previousVersion="_akmd4zqxEeWZFYSPlduMhw"
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="_ApJ-hZRtEeazAtAtDSg0Nw"
nextVersions="_eYI_6W2PEei3KuUgpx7Xcw"
previousVersion="_akmd5TqxEeWZFYSPlduMhw"
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="_QmL0Q9p-Ed-ak6NoX_4Aeg_1336812673" />
<messageBuildingBlock
xmi:id="_ApJ-h5RtEeazAtAtDSg0Nw"
nextVersions="_eYI_622PEei3KuUgpx7Xcw"
previousVersion="_akmd5zqxEeWZFYSPlduMhw"
name="PaymentInformation"
definition="Set of characteristics that applies to the debit side of the payment transactions included in the creditor payment initiation."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="PmtInf"
complexType="_wf2GsZRuEeazAtAtDSg0Nw" />
<messageBuildingBlock
xmi:id="_ApJ-iZRtEeazAtAtDSg0Nw"
nextVersions="_eYI_7W2PEei3KuUgpx7Xcw"
previousVersion="_akmd6TqxEeWZFYSPlduMhw"
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="pain"
messageFunctionality="013"
flavour="001"
version="06" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.