BSK implementeringsguide
ISO 20022 PAIN 001.001.03
Customer Credit Transfer
Bankenes felles implementasjonsguide
Basert på Common Global Implementation “CGI"
Common Industry Agreement: As of October 14, 2010
APPROVED BY CGI PLENARY: May 11, 2011
januar 2012
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 1 av 45
Innhold
Endringskatalog
Dato
Ver
1.0
15.01.2012
Utført av
Morten Holter
endringer
Første versjon.
Innhold
Side
1. Innledning
1.1 Funksjonell beskrivelse
1.1.1 Omfang av meldingssettet
1.1.2 Meldingsflyt
1.1.3 Betalingstyper
1.2 Kvalitet
2. Eksempler
2.1 Enkel betaler debtor initiert CCT melding
2.2 Betaling på grunnlag av mottatt faktura Papir eller eFaktura
2.3 Enkeltbetaling kontohaver initierer en betaling på vegne av 3.part.
2.4 På vegne av 3.part ved bruk av servicesenter
3.
Teknisk beskrivelse
3.1 Bruk av melding
3.1.1 Identifikasjon av kunderoller
3.1.2 Betalingsinformasjon
3.1.3 Myndighetsrapportering
3.2 Meldingsoppbygging
4 Struktur
4.1 Forklaring til tabellene
4.1.2 Formatspesifikasjon
5. Message Functionality
5.1 Group Header
5.1.1 Information Structure Group Header
5 2 Payment Information
5.2.1 Information Structure Payment Information
5 3 Credit Transfer Transaction Information
5.3.1 Information Structure Credit Transfer Transaction Information
5.4
Key elements describing parties and instructions Descriptions.
5.4.1 Payment Information PaymentTypeInformation
5.4.2 Payment Information – Debtor
5.4.3 Payment Information – DebtorAccount
5.4.4 Payment Information – DebtorAgent
5.4.5 Payment Information – UltimateDebtor
5.4.6 Credit Transfer Transaction Information – PaymentIdentification
5.4.7 Credit Transfer Transaction Information – Amount
5.4.8 Credit Transfer Transaction Information – UltimateDebtor
5.4.9 Credit Transfer Transaction Information – IntermediaryAgent1
5.4.10 Credit Transfer Transaction Information –CreditorAgent
5.4.11 Credit Transfer Transaction Information –Creditor
5.4.12 Credit Transfer Transaction Information –CreditorAccount
5.4.13 Credit Transfer Transaction Information –UltimateCreditor
5.4.14 Credit Transfer Transaction Information –RegulatoryReporting
5.4.15 Credit Transfer Transaction Information –RemittanceInformation
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
3
4
4
4
5
5
6
6
7
8
9
10
10
10
10
11
11
12
12
12
14
15
16
17
18
21
25
30
30
31
31
32
33
34
35
36
37
38
39
41
42
43
44
Side 2 av 45
1. Introduction
1. Innledning
Implementasjonsguiden er utarbeidet i regi av BSK.
Denne implementasjonsguiden for CustomerCreditTransfer melding er basert på
“ISO 20022 Message Definition Report” (MDR) og Common Global Implementation “CGI Guide for
ISO 20022 CustomerCreditTransfer Initiation” (CCT) of June 2011
Implementasjonsguiden beskriver hvordan XML ISO 20022 format skal benyttes for formidling av
betalingsoppdrag inn mot norske banker., og definerer hvilke informasjonselementer som må
være med i et betalingsoppdrag, og som bankene kan formidle videre til betalingsmottakers bank.
Implementasjonsguiden kan også være til nytte i planlegging og oppbygging av ERP - systemer
som vil benytte xml-formater for utveksling av informasjon.
ISO 20022 Message Definition Report (MDR) og Message Usage Guideline
(MUG) kan lastes ned fra: http://www.iso20022.org
Common Global Implementation initiative (ISO 20022 – CGI Initiative) er et "SWIFT comunity" hvis
hovedoppgave er å definere én felles standard for implementering av ISO 20022 meldinger til bruk
mellom banker og bankenes bedriftskunder.
CGI Implementasjons MIG av 13 juni 2011 er tilgjengelig på Swift Comunity nets hjemmeside.
https://www.swiftcommunity.net/communities/288/files
Målgruppe
CustomerCreditTransfer- meldingen er betalingsinstruksjoner til betalers bank som inneholder
informasjon beregnet på de finansielle institusjonene som er involvert i betalingen, samt
informasjon rettet til betalingsmottakeren.
Første del av implementasjonsguiden gir en oversikt på generelt grunnlag om bruk av CCTmeldinger, med fokus på funksjonalitet og omfang. Denne delen er på norsk
Meldingen skal nyttes av oppdragsgiver til å instruere betalers bank om å foreta en
betalingsoverføring fra en angitt konto, samt gi grunnlag for å gi betalingsmottaker nødvendig
informasjon om hva betalingen gjelder. Denne implementasjonsguiden gir flere eksempler på
hvordan dette kan gjøres (se kapitlet Meldingsflyt).
Andre del er en veiledning i hvordan meldingstypen skal implementeres, og er rettet mot teknisk
personell som vil ha det som oppgave. Den er bygget opp i tabellform med detaljert beskrivelse av
meldingsstruktur og krav til meldingsinnhold, samt eventuelle tilleggs forklaringer for å
tydeliggjøre bruken av feltene. Denne delen er skrevet på engelsk, for å gjøre det enklere å
samholde detaljinformasjon mellom ISO20022- MDR, CGI-MIG og BSK-IG, og se hvor det er lokalt
avvik/presisering.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 3 av 45
1. Introduction
1.1 Funksjonell beskrivelse
CCT-meldingen inneholder all den informasjonen de finansielle institusjonene trenger for å utføre
en betaling. En CCT melding gir finansinstitusjonen en instruks om å overføre et bestemt beløp i
en spesifisert valuta fra en bestemt konto til en bestemt mottakskonto. Det er mulig å overføre
flere slike bestillinger i den samme meldingen.
CCT-meldingen kan inneholde nødvendig informasjon som gir betalingsmottakeren mulighet til
enkelt å matche inngående betalinger mot, for eksempel, utestående kundefordringer eget
system, ved at Fakturanummer, eller KID kan følge med som strukturert informasjon.
-
En CCT-melding kan referere til en eller flere fakturaer og kreditt notater, eller
andre grunner for betaling.
1.1.1 Omfang av meldingssettet
CCT-meldinger utveksles mellom en oppdragsgiver Initiating Party (InitiatingParty) og betalers
bank Debtor Agent (DebtorAgent) eventuelt via en formidler (ForwardingAgent Meldingssettet
dekker betalers behov for å initiere betalinger, overvåke og administrere de. Meldingstypene er:
CustomerCreditTransferInitiationV03: brukes til å initiere et betalingsoppdrag. Den sendes fra
betaler til betalers bank, eventuelt via en formidler.
CustomerPaymentStatusReportV03: brukes til å rapportere status på betalingsoppdraget. Den blir
sendt fra betalers bank eller via formidler tilbake til betaler. Bruk av denne meldingstypen avtales
mellom betaler og bank/formidler.
CustomerPaymentCancelationRequestV01: brukes til å sende en stoppordre på et tidligere
innsendt betalingsoppdrag. Den sendes fra betaler til betalers bank, eventuelt via en formidler.
Bruk av denne meldingstypen avtales mellom betaler og bank/formidler.
Denne implementasjonsguide dekker Customer Credit TransferInitiation V03.
1.1.2 Meldingsflyt
CCT-meldingen sendes fra Oppdragsgiver/betaler (InitiatingParty) til betalers bank (Debtor Agent),
eventuelt via en formidler (ForwardingAgent).
Scenariene som er beskrevet,viser forskjellige kunderoller på betalersiden av et betalingsoppdrag,
og tilsvarende på betalingsmottakersiden.
På oppdragssiden, kan inntil tre roller spesifiseres: “InitiatingParty” , dvs. den som sender
meldingen, “Debtor”, dvs. eier av konto som skal belastes, og “UltimateDebtor” , dvs. den som
skylder penger til kreditor som følge av mottak av varer eller tjenester. Disse tre rollene kan
dekkes av én og samme aktør, eller de kan dekkes av ulike aktører. CCT-meldingen gjør det mulig å
inkludere alle tre roller i en melding.
På betalingsmottakssiden, kan inntil to roller spesifiseres: “Creditor”, dvs. eieren av kontoen som
skal godskrives, og “UltimateCreditor”, dvs. den som er fordringshaver / den som skal motta
pengene. Disse to rollene kan dekkes av én og samme aktør, eller de kan dekkes av ulike aktører.
CCT-meldingen gjør det mulig å inkludere begge roller i en melding.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 4 av 45
1. Introduction
1.1.3 Betalingstyper
CCT-meldinger vil i hovedsak bli brukt for å dekke innenlandske- og grensekryssende betalinger:
Betalingsinstruksjonen dekker informasjonsbehovet ved betaling av en eller flere fakturaer hvor
det skal være en spesifikasjon i form av en referanse m.m. til underliggende handelstransaksjon.
Masseutbetalinger omfatter normalt lønns- eller pensjonsutbetalinger eller 1 til mange
regningsbetalinger.
1.2 Kvalitet
I forbindelse med elektronisk utveksling av meldinger, vil meldingene bli lest maskinelt av system
hos mottaker av meldingen. Man bør derfor legge opp til strenge rutiner rundt
meldingsutveksling, herunder bl.a.:
-
Nummerering av meldinger for å sikre at meldinger ikke går tapt under overføring
Rutiner for å sikre at meldinger ikke sendes flere ganger
Sikre at meldingsinnhold ikke kan manipuleres under overføring
Sikre at avsender faktisk er den han gir seg ut for å være
Sikre at meldingen inneholder tilstrekkelig informasjon for ende til ende betaling
Sikre at informasjon i meldingen ikke kan leses av uvedkommende
Statusrapport fra bank bekrefter at bank har overtatt ansvar
Ovennevnte går i stor grad på forhold rundt utveksling av meldinger og dekkes ikke av denne MIG.
Krav til utveksling avtales med den enkelte bank.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 5 av 45
2. Eksempel
2. Eksempler på bruk av CustomerCreditTransfer-meldinger
2.1 Enkel betaling (debtor) initiert CCT-melding
I dette eksemplet er det kontoeier (Debtor) som initierer betalingsoppdraget. Betalers konto er i Bank A
(DebtorAgent). Betalingsmottaker (Creditor) har sin konto i Bank B (CreditorAgent). (Eksempelvis lønn,
pensjon)
Betaler genererer i sitt system en CCT-melding som sendes til betalers bank (Bank B) med instruksjon
om overføring av beløp til kreditors konto i Bank B.
Betaling utføres, og transaksjon med informasjon fra CCT-melding sendes bank B for godskrift av
kreditors konto og utsending av informasjon om kreditering til betalingsmottaker.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 6 av 45
2. Eksempel
2.2 Betaling på grunnlag av mottatt faktura Papir eller eFaktura)
Kreditor sender faktura til Betaler på papir eller som eFaktura (avhengig av betaler kan motta eFaktura.
Hvis eFaktura går den via Access punkt som videreformidler til betaler.
Betaler mottar efaktura og leser denne inn i sitt ERP system. Tilrettelagt for elektronisk
fakturahåndtering.
Autorisert efaktura vil generere en CCT-melding med informasjon fra efakturaen. Denne sendes til Bank
A som betalingsinstruksjon.
Betaling utføres, og transaksjon med informasjon fra CCT-melding sendes bank B for godskrift av
kreditors konto og utsending av informasjon om kreditering til betalingsmottaker.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 7 av 45
2. Eksempel
2.3 Enkeltbetaling kontohaver initierer en betaling på vegne av 3.part.
I dette eksemplet har vi tatt utgangspunkt i et konsern, hvor “mor” er kontoeier, også for alle
datterselskap. Mor initierer betalingsoppdrag på vegne av et datterselskap som er skyldner, og mottaker
av faktura. På fakturautsteder siden har vi en tilsvarende konstellasjon, hvor “mor” er eier av
kreditkonto oppgitt i fakturaen, men hvor datterselskap er den egentlige fordringshaver.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 8 av 45
2. Eksempel
2.4 På vegne av 3.part ved bruk av servicesenter
I dette eksemplet er Kunde A både kontohaver og skyldner (mottaker av faktura), så derfor er det kun
nødvendig å angi Betaler (Debtor) rollen i meldingen.
Kunde a benytter seg av et SharedServiceCenter (SSC), som f.eks kan være et regnskapskontor, for å
foreta betalinger. Siden SSC kun opererer på vegne av Kunde A, vil SSC kun være en operatør som lager
meldingen, og fungere som en Gateway for Kunde A for elektronisk utveksling mot banken. SSC trenger
derfor ikke å være identifisert i CCT-meldingen.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 9 av 45
3. Teknisk beskrivelse
3. Teknisk beskrivelse
Melding Pain.001.001.03 CustomerCreditTransferInitiation V03
3.1 Bruk av melding
CCT-meldingen kan benyttes både for innlandsbetalinger og for grensekryssende betalinger.
CCT-meldingen identifiseres i xml-skjemaet på følgende måte:
urn: iso: std: iso: 20022: tech: xsd: pain.001.001.03
En CCT-melding kan inneholde:
- En eller flere betalingsoppdrag
- Et betalingsoppdrag kan inneholde en eller flere betalingstransaksjoner
- En betalingstransaksjon kan resulterer i en kontooverføring eller utstedelse av
bankanvisning / Sjekk.
Meldingen kan benyttes til enkeltbetalinger, da vil “Paymentinformation”-komponenten gjentas pr “Credit
transaction”-komponent. Meldingen kan også brukes til å gruppere betalinger, da vil Payment
information”-komponenten (debitsiden) forekomme en gang, med flere etterfølgende
CreditTrasnferTransactionInformation (kreditsiden). For innenlandsbetalinger vil det da normalt genereres
en sumpost på betalers konto. For grensekryssende betalinger vil det være avhengig a v den enkelte banks
tjenester og bokføringsprinsipper.
3.1.1 Identifikasjon av kunderoller
I CCT-meldingen kan man angi flere kunderoller.
På oppdragssiden, kan inntil tre roller spesifiseres: “Initiating Party”, dvs. den som sender meldingen,
“Debtor”, dvs. eier av konto som skal belastes, og “UltimateDebtor”, dvs. den som skylder penger til
kreditor som følge av mottak av varer eller tjenester. Disse tre rollene kan dekkes av én og samme aktør,
eller de kan dekkes av ulike aktører.Oppbyggingen av CCT-meldingen gjør det mulig å inkludere alle tre
roller i en melding.
På betlingsmottakssiden, kan inntil to roller spesifiseres: “Creditor”, dvs. eieren av kontoen som skal
godskrives, og “UltimateCreditor”, dvs. den som er fordringshaver / den som skal motta pengene. Disse to
rollene kan dekkes av én og samme aktør, eller de kan dekkes av ulike aktører. Oppbyggingen av CCTmeldingen gjør det mulig å inkludere begge roller i en melding.
3.1.2
Betalingsinformasjon
CCT-meldingen kan inneholde grunnleggende betalingsinformasjon. Den kan også inneholde strukturert
referanseinformasjon som henviser til betalingsinformasjon som er sendt separat fra betaler.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201 Side 10 av 45
3. Teknisk beskrivelse
3.1.3
Myndighetsrapportering
For betalingstyper som krever spesiell myndighetsrapportering, gir CCT-meldinger mulighet for å angi
nødvendig informasjon i tilknytning til transaksjoner hvor rapportering er nødvendig.
3.2
Meldingsoppbygging
CCT-melding basert på ISO20022 PAIN.001.001.03 er bygd opp av tre nivåer, vist i figur under, og alle må
være med i en melding.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201 Side 11 av 45
4. Struktur
4
4.1
Struktur
Forklaring til tabellene
GENERELLE PRINSIPPER FOR TABELLEN SOM ER BENYTTET FOR Å BESKRIVE FORMAT OG STRUKTUR FOR
CCT-MELDING
Alle elementer som må være med (Mandatory) i ISO20022. PAIN 001.001.03, er med i den norske MIG, det
samme gjelder for elementer som kan være med eller er avhengige av gitte kriterier.
Elementer som ikke benyttes i norsk betalingsformidling er ikke tatt med i denne MIG. Dette gjelder selv
om de er tatt med i “ISO 20022 Message Definition Report” eller i “CGI Implementation Guide for ISO
20022 CustomerCreditTransfer Initiation”. Dette er gjort for å forenkle bruken MIG’en
4.1.2 Formatspesifikasjon
Under er en forklaring til kolonnene i tabellene
Krav til karaktersett er ISO UTF8. Ønskes det brukt annet karaktersett fra kunde til bank, må dette avtales
med bank.
ISO Index No. Referansenummer som henviser til relatert feltbeskrivelse i ISO 20022 Message Definition
Report”
Message Item refererer til det faktiske tagnavn i XML. Som angis i kolonnen XML Tag Name. Det kan være
et Meldingselement (som kan sammenlignes med “felt” i en tradisjonell melding), eller en Meldings
Komponent (det vil si en bunt med informasjon bestående av flere forskjellige meldingselement). Hvert
meldingselement komplementeres med hva slags type element det er (angis i kolonnen Type).
Tag Name, Den spesifikke koden knyttet til et XML-element, og som vil inngå i XML Schema for å
identifisere et XML-element. “Tag Name” vil starte strengen med informasjon som skal inngå i elementet
(f.eks. <Dbtr>) og strengen avsluttes med den samme tagen med en forutgående slash (f.eks. </Dbtr>).
Structural Sequence: Angir hvor i meldingsstrukturen elementet er plassert
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201 Side 12 av 45
4. Struktur
Multiplicity, angir hvor mange ganger et elementet kan/skal være med. Max antall styres avrammene i
NIBE-formatet.
Type, angir den type verdi som skal overføres for det aktuelle elementet i XML-notasjon. Det er 7
forskjellige Data Type representasjoner som kan benyttesi en CCT-melding: Identifier, Code, Text, Rate,
Date Time, Amount, Indicator.
Use in IG, Her angir BSK klassifisering som er fastsatt i BSK CCT-melding MIG. ISO 20022 benytter
klassifiseringene 1..n for mandatory, og 0..n for optional. BSK MIG har en mer gradert klassifisering.
Følgende klassifiseringer benyttes i denne kolonnen:
Definitions / Special comments, angir definisjon av det aktuelle elementet, regler for utfylling, lovlige
verdier mm, i henhold til ISO 20022 I kursiv vil det stå forklaringer på bruken av elementet i det norske
markedet
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201 Side 13 av 45
5. Message Functionality
5. Message Functionality
The message starts with the element “Document” that identifies what iso standard is used, and what
message type it is. In this case it is:
“urn:iso:std:iso:20022:tech:xsd:pain.001.001.03”
This message is built up by three building blocks: GroupHeader, PaymentInformation and
CreditTransferTransactionInformation.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201 Side 14 av 45
5.1 Group Header
5.1
Group Header
This building block is mandatory and present once. It contains elements such as MessageIdentification,
CreationDateAndTime, Grouping indicator. And identifies the initiator of the message. Elements presented in
this figure is the elements used in the Norwegian MIG.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201 Side 15 av 45
5.1.1 Information Structure
5.1.1
Information Structure
Group Header
ISO
Index
No.
Or
Message Item
Tag Name
Structural Mult.
Sequence
Type
<CstmrCdtTrfInitn> 1.0
GroupHeader
<GrpHdr>
1.1
MessageIdentification <MsgId>
Use Defenitions / Spesial comments
in
IG
M
Message root, identifying message type
+
[1..1]
M
Set of characteristics shared by all individual transactions
included in the message.
++
[1..1] Max 35 Text
M
Point to point reference, as assigned by the instructing
party, and sent to the next party in the chain to
unambiguously identify the message.
Unique for each customer min. 3 month
Will be used in status reports (PSR) initiated by this
message
1.2
CreationDateTime
<CreDtTm>
++
[1..1]
1.6
NumberOfTransaction <NbOfTxs>
s
++
1.7
ControlSum
++
[1..1] Max15
Numeric
Text
[0..1] Decimal
Number
<CtrlSum>
DateTime
M
Date and time at which the message was created.
M
Number of individual transactions contained in the
message.
BD Total of all individual amounts included in the message,
irrespective of currencies.
To be agreed with the debtors bank
1.8
InitiatingParty
<InitgPty>
++
[1..1] Party
Identification
32
Component
[0..1] Max 140
Text
M
Party that initiates the payment.
This can either be the debtor or the party that initiates
the credit transfer on behalf of the debtor
9.1.0
Name
<Nm>
+++
R
Name by which a party is known and which is usually
used to identify that party.
9.1.12
Identification
<Id>
+++
[0..1] Choice
Componenet
R
Unique and unambiguous identification of a party.
9.1.13 {Or
OrganisationIdentificat <OrgId>
ion
++++
[1..1] Organisation
Identification
4
M
Unique and unambiguous way to identify an organisation.
9.1.14
BICOrBEI
+++++
[0..1] AnyBIC
Identifier
BD Code allocated to organisations by the ISO
9362 Registration Authority, under an
international identification scheme, as
described in the latest version of the standard
ISO 9362 Banking (Banking telecommunication
messages, Bank Identifier Codes).
<BICOrBEI>
Only a valid BIC or BEI is allowed. Valid BEI and BIC are
registered with the ISO 9362 Registration Authority,
and consists of eight (8) or eleven (11) contiguous
characters comprising the first three or all four of the
following
components: BANK CODE, COUNTRY CODE, LOCATION
CODE, BRANCH CODE. The bank code,
country code and location code are mandatory, while the
branch code is optional.
9.1.15
Other
<Othr>
+++++
[0..n] Organisation BD Unique identification of an organisation, as assigned by
Identification
an institution, using an identification scheme.
1
9.1.16
Identification
<Id>
++++++
[1..1] Text
Max35
9.1.17
SchemeName
<SchmeNm>
++++++
[0..n] rganisationId BD Name of the identification scheme.
entificationSc
hemeName1
Choice
9.1.18
Code
<Cd>
+++++++ [1..1] Code
M
M
Identification assigned by an institution.
In Norway this may be the customer-id in the debtor
bank, which may be based on “Brønnøysundregistrene”
and their Central Coordinating Register of Legal Entities,
or another identification agreed with the bank
BANK = Agreement-id
CUST = Sublevel-id customer
This message item is part of choice 9.1.17 SchemeName
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 16 av 45
5.2 Payment Information
5,2
Payment Information
This building block is mandatory and repetitive. It contains, elements related to the debit side of the transaction.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 17 av 45
5.2.1 Information Structure
5.2.1
Information Structure
Payment Information
ISO Index
No.
Or
Message Item
Tag Name
Structural
Sequence
Mult.
2.0
PaymentInformation
<PmtInf>
+
[1..n]
2.1
PaymentInformationIdentification
<PmtInfId>
++
[1..1]
Type
Max35Text
Use in
IG
Defenitions / Spesial comments
M
Set of characteristics that applies to the debit side of the payment
transactions included in the credit transfer initiation
M
Unique identification, as assigned by a sending party, to
unambiguously identify the payment information group within
the message.
Unique for each customer min. 3 month
M
Specifies the means of payment that will be used to move the
amount of money.
Batch Booking Indicator
BD
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.
If used:
True : Identifies that a batch entry for the sum of the amounts
of all transactions in the message
is requested.
False: Identifies that a single entry for each of the
transactions in the message is requested.
Decimal Number fraction
Digits: 17
total Digits: 18
BD
General definition: Total of all individual amounts included in
the group, irrespective of currencies.
2.2
PaymentMethod
<PmtMtd>
++
[1..1]
Code
2.3
BatchBooking
<BtchBookg>
++
[0..1]
2.5
ControlSum
<CtrlSum>
++
[0..1]
In Norway: All individual amounts must be in the same
currency
2.6
PaymentTypeInformation
<PmtTpInf>
++
[0..1]
Payment Type
Information 19
2.7
InstructionPriority
<InstrPrty>
+++
[0..1]
Code
2.8
ServiceLevel
<SvcLvl>
+++
[0..1]
Service Level8 Choice
Code
<Cd>
++++
[1..1]
Code
maxLength: 4
minLength: 1
CategoryPurpose
<CtgyPurp>
+++
[0..1]
CategoryPurpose1 Choice
2.9
{Or
2.14
C
Set of elements used to further specify the type of transaction.
Required at either Payment or Transaction Level, but should
not be present at both levels. Recommnded usage is at
Payment level.
BD
Based on whether priority processing vs. normal processing is
offered by the bank.
Valid codes:
HIGH - High priority processing
NORM - Normal processing
C
Agreement/rule under which the transaction should be
processed.
M
Specifies a pre-agreed service or level of service between the
parties, as published in an external service
level code list.
C
Specifies the high level purpose of the instruction based on a set
of pre-defined categories.
Usage: This is used by the initiating party to provide information
concerning the processing of the payment.
It is likely to trigger special processing by any of the agents
involved in the payment chain.
In absence of this element, the payment will be prosessed as a
supplier payment
2.15
{Or
Code
<Cd>
++++
[1..1]
ExternalCategory
Purpose1 Code
maxLength: 4
minLength: 1
2.17
RequestedExecutionDate
<ReqdExctnDt>
++
[1..1]
DateTime
2.19
Debtor
<Dbtr>
++
[1..1]
PartyIdentification32
element
M
Specifies the high level purpose of the instruction based on a set
of pre-defined categories.
Usage: This is used by the initiating party to provide information
concerning the processing of the payment.
It is likely to trigger special processing by any of the agents
involved in the payment chain.
Valid codes example: INTC, PENS, SALA, SUPP, TREA
M
Date at which the initiating party requests the clearing agent to
process the payment.
Usage: This is the date on which the debtor's account is to be
debited. If payment by cheque, the date when
the cheque must be generated by the bank.
R
Party that owes an amount of money to the (ultimate) creditor.
This is the owner of the debtor account
9.1.12
9.1.13
{Or
Identification
<Id>
+++
[0..1]
Party6Choice
R
Unique and unambiguous identification of a party.
OrganisationIdentification
<OrgId>
++++
[1..1]
Organisation
Identification4
M
Unique and unambiguous way to identify an organisation.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 18 av 45
5.2.1 Information Structure
ISO Index
No.
Or
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in
IG
Defenitions / Spesial comments
9.1.14
BICOrBEI
<BICOrBEI>
+++++
[0..1]
AnyBICIdentifier
BD
Code allocated to organisations by the ISO 9362 Registration
Authority, under an international identification
scheme, as described in the latest version of the standard ISO
9362 Banking (Banking telecommunication
messages, Bank Identifier Codes).
In Norway:
Only a valid BIC or BEI is allowed. Valid BEI and BIC are
registered with the ISO 9362 Registration Authority,
and consists of eight (8) or eleven (11) contiguous characters
comprising the first three or all four of the following
components: BANK CODE, COUNTRY CODE, LOCATION
CODE, BRANCH CODE. The bank code,
country code and location code are mandatory, while the
branch code is optional.
9.1.15
Other
<Othr>
+++++
[0..n]
GenericOrganisation
Identification1
BD
Unique identification of an organisation, as assigned by an
institution, using an identification scheme.
9.1.16
Identification
<Id>
++++++
[1..1]
M
Identification assigned by an institution.
Organisation number
2.20
DebtorAccount
<DbtrAcct>
++
[1..1]
Max35Text
maxLength: 35
minLength: 1
CashAccount16 element
M
Unambiguous identification of the account of the debtor to
which a debit entry will be made as a result of the transaction.
1.1.0
Identification
<Id>
+++
[1..1]
AccountIdentification4
Choice element
M
Unique and unambiguous identification for the account between
the account owner and the account servicer.
IBAN
<IBAN>
++++
[1..1]
IBAN2007Identifier
Format: [A-Z]{2,2}[09]{2,2}[a-zA-Z0-9]{1,30}
M
International Bank Account Number (IBAN) - identifier used
internationally by financial institutions to
uniquely identify the account of a customer. Further
specifications of the format and content of the IBAN
can be found in the standard ISO 13616 "Banking and related
financial services - International Bank Account
Number (IBAN)" version 1997-10-01, or later revisions.
1.1.1
{Or
A valid IBAN consists of all three of the following components:
Country Code, check digits and BBAN.
1.1.2
Other
<Othr>
++++
[1..1]
GenericAccount
Identification1 element
M
Unique identification of an account, as assigned by the account
servicer, using an identification scheme.
1.1.3
Identification
<Id>
+++++
[1..1]
Max34Text
maxLength: 34
minLength: 1
M
Identification assigned by an institution.
Local accountnumber that will be debited for the transactions
1.1.4
SchemeName
<SchmeNm>
+++++
[0..1]
AccountSchemeName1
Choice element
BD
Name of the identification scheme
Code
<Cd>
++++++
[1..1]
ExternalAccount
Identification1Code
maxLength: 4
minLength: 1
M
Name of the identification scheme, in a coded form as published
in an external list.
2.21
DebtorAgent
<DbtrAgt>
++
[1..1]
BranchAndFinancialInstitu
tionIdentification4 element
M
Financial institution servicing an account for the debtor.
6.1.0
FinancialInstitutionIdentification
<FinInstnId>
+++
[1..1]
FinancialInstitution
Identification7 element
M
Unique and unambiguous identification of a financial institution,
as assigned under an internationally
recognised or proprietary identification scheme.
6.1.1
BIC
<BIC>
++++
[0..1]
BIC Identifier
R
Bank Identifier Code. Code allocated to financial institutions by
the Registration Authority, under an
international identification scheme, as described in the latest
version of the standard ISO 9362 Banking
(Banking telecommunication messages, Bank Identifier Codes).
Valid BICs are registered with the ISO 9362 Registration
Authority, and consist of eight (8) or eleven (11)
contiguous characters comprising the first three or all four of
the following components: BANK CODE,
COUNTRY CODE, LOCATION CODE, BRANCH CODE. The
bank code, country code and location code
are mandatory, while the branch code is optional.
2.23
UltimateDebtor
<UltmtDbtr>
++
[0..1]
PartyIdentification32
element
C
Ultimate party that owes an amount of money to the (ultimate)
creditor.
9.1.0
Name
<Nm>
+++
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
Name by which a party is known and which is usually used to
identify that party.
In Norway , field length restrictions may apply, contact your
bank
9.1.1
PostalAddress
<PstlAdr>
+++
[0..1]
PostalAddress6 element
R
Information that locates and identifies a specific address, as
defined by postal services.
9.1.5
StreetName
<StrtNm>
++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Max16Text
maxLength: 16
minLength: 1
C
1.1.5
Or}
{{Or
Valid code: BBAN
Use of structured address is recommended.
9.1.7
PostCode
<PstCd>
++++
[0..1]
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
Identifier consisting of a group of letters and/or numbers that is
added to a postal address to assist the sorting.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 19 av 45
5.2.1 Information Structure
ISO Index
No.
Or
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in
IG
Defenitions / Spesial comments
9.1.8
TownName
<TwnNm>
++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that is
added to a postal address to assist the sorting
of mail.
9.1.10
Country
<Ctry>
++++
[0..1]
CountryCode
Format: [A-Z]{2,2}
R
Nation with its own government.
9.1.11
AddressLine
<AdrLine>
++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
C
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, Field length restrictions may apply, contact your
bank
2.24
ChargeBearer
<ChrgBr>
++
[0..1]
ChargeBearerType1 Code
BD
Specifies which party/parties will bear the charges associated
with the processing of the payment transaction.
Domestic payments SHAR;
SEPA payments SLEV;
Cross Border payments DEBT, CRED, SHAR,
Conditional based on wether used on payment- and
crdittrasaction level.
In absence of this element, the bank will handle this as a
payment where each party pays their own cost.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 20 av 45
5.3 Credit Transfer Transaction
5.3
Credit Transfer Transaction Information
This building block is mandatory and repetitive, . It contains, elements related to the credit side of the transaction
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 21 av 45
5.3 Credit Transfer Transaction
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 22 av 45
5.3 Credit Transfer Transaction
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 23 av 45
5.3.1 Information Structure
5.3.1
Information Structure
Credit Transfer Transaction Information
ISO
Index
No.
2.27
Or
Message Item
Tag Name
Structural
Sequence
Mult.
CreditTransferTransactionInformation
<CdtTrfTxInf>
++
[1..n]
2.28
PaymentIdentification
<PmtId>
+++
[1..1]
2.29
InstructionIdentification
<InstrId>
++++
2.30
EndToEndIdentification
<EndToEndId>
2.31
PaymentTypeInformation
2.32
2.33
2.34
{Or
Type
Use
in IG
Defenitions / Spesial comments
M
Set of elements used to provide information on the individual
credit transfer transaction(s) included in the message.
Payment
Identification1
element
M
Set of elements used to reference a payment instruction.
[0..1]
Max35Text
maxLength: 35
minLength: 1
BD
Unique identification as assigned by an instructing party for an
instructed party to unambiguously identify
the instruction.
Unique for each customer, minmum 3 months.
++++
[1..1]
Max35Text
maxLength: 35
minLength: 1
M
Unique identification assigned by the initiating party to
unumbiguously identify the transaction. This
identification is passed on, unchanged, throughout the entire
end-to-end chain.
Unique for each customer minimum 3 months.
<PmtTpInf>
+++
[0..1]
PaymentType
Information19
element
C
Set of elements used to further specify the type of transaction.
May be used either on this level or the Payment Information
Level
InstructionPriority
<InstrPrty>
++++
[0..1]
Priority2Code
BD
Based on whether priority processing vs. normal processing is
offered by the bank.
Valid codes:
HIGH - High priority processing
NORM - Normal processing
ServiceLevel
<SvcLvl>
++++
[0..1]
ServiceLevel8
Choice element
C
Agreement under which or rules under which the transaction
should be processed.
Code
<Cd>
+++++
[1..1]
ExternalServiceLeve
l1Code
maxLength: 4
minLength: 1
M
Specifies a pre-agreed service or level of service between the
parties, as published in an external service
level code list.
Contact the financial institution for information
2.39
2.40
{Or
2.42
CategoryPurpose
<CtgyPurp>
++++
[0..1]
Category
Purpose1Choice
element
C
Specifies the high level purpose of the instruction based on a
set of pre-defined categories.
Usage: This is used by the initiating party to provide
information concerning the processing of the payment.
It is likely to trigger special processing by any of the agents
involved in the payment chain.
In absence of this element, the payment will be prosessed as a
supplier payment
Code
<Cd>
+++++
[1..1]
ExternalCategoryPu
rpose1Code
maxLength: 4
minLength: 1
M
Category purpose, as published in an external category purpose
code list.
Valid codes excamples: INTC, PENS, SALA, SUPP, TREA
Amount
<Amt>
+++
[1..1]
AmountType3
Choice element
M
Amount of money to be moved between the debtor and
creditor, before deduction of charges, expressed in
the currency as ordered by the initiating party.
2.43
{Or
InstructedAmount
<InstdAmt
Ccy="AAA">
++++
[1..1]
ActiveOrHistoricCu
rrencyCode
fractionDigits: 5
minInclusive: 0
totalDigits: 18
M
Amount of money to be moved between the debtor and
creditor, before deduction of charges, expressed in
the currency as ordered by the initiating party.
2.44
Or}
EquivalentAmount
<EqvtAmt>
++++
[1..1]
Equivalent
Amount2 element
M
Amount of money to be moved between the debtor and
creditor, expressed in the currency of the debtor's
account, and the currency in which the amount is to be moved.
<Amt Ccy="AAA">
+++++
[1..1]
ActiveOrHistoricCu
rrencyCode
fractionDigits: 5
minInclusive: 0
totalDigits: 18
M
Amount of money to be moved between debtor and creditor,
before deduction of charges, expressed in the
currency of the debtor's account, and to be moved in a different
currency.
Usage: The first agent will convert the equivalent amount into
the amount to be moved.
CurrencyOfTransfer
<CcyOfTrf>
+++++
[1..1]
ActiveOrHistoricCu
rrencyCode
M
Specifies the currency of the to be transferred amount, which is
different from the currency of the debtor's
account.
The Currency Code must be registered, or have already been
registered. Valid active or historic currency codes
are registered with ISO 4217
2.47
ExchangeRateInformation
<XchgRateInf>
+++
[0..1]
ExchangeRate
Information1
element
BD
Set of elements used to provide details on the currency
exchange rate and contract.
2.48
ExchangeRate
<XchgRate>
++++
[0..1]
BaseOneRate
fractionDigits: 10
totalDigits: 11
2.45
2.46
Amount
C
The factor used for conversion of an amount from one currency
to another. This reflects the price at which
one currency was bought with another currency.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
S24 av 45
5.3.1 Information Structure
ISO
Index
No.
2.49
Or
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Defenitions / Spesial comments
Use
in IG
RateType
<RateTp>
++++
[0..1]
ExchangeRate
Type1Code
C
Specifies the type used to complete the currency exchange
AGRD - Exhange rate applied is the rate agreed between
the parties
SALE - Exchange rate applied is the market rate at time
of the sale
SPOT - Exchange rate applied is the spot rate
2.50
ContractIdentification
<CtrctId>
++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
Unique and unambiguous reference to the foreign exchange
contract agreed between the initiating party/
creditor and the debtor agent.
2.51
ChargeBearer
<ChrgBr>
+++
[0..1]
ChargeBearer
Type1Code
BD
Specifies which party/parties will bear the charges associated
with the processing of the payment transaction.
Domestic payments - SHAR
SEPA payments - SLEV
Cross Border payments - DEBT, CRED, SHAR, SLEV
Conditional based on wether used on payment- og
crdittrasaction level.
In absence of this element, the bank will handle this as a
payment where each party pays their own cost.
.
2.52
ChequeInstruction
<ChqInstr>
+++
[0..1]
2.53
ChequeType
<ChqTp>
++++
[0..1]
2.58
DeliveryMethod
<DlvryMtd>
++++
[0..1]
Code
<Cd>
+++++
[1..1]
2.70
UltimateDebtor
<UltmtDbtr>
+++
[0..1]
9.1.0
Name
<Nm>
++++
9.1.1
PostalAddress
<PstlAdr>
9.1.5
StreetName
2.59
9.1.7
{Or
PostCode
BD
Set of elements needed to issue a cheque.
ChequeType2 Code
BD
Specifies the type of cheque to be issued.
Valid codes:
BCHQ - Cheque drawn on the account of the debtor's
financial institution. The financial institution
prints and certifies the cheque, guaranteeing the
payment. Synonym is 'cashier's cheque'.
Cheque
DeliveryMethod1
Choice element
ChequeDelivery1Co
de
BD
Specifies the delivery method of the cheque by the debtor's
agent.
M
Specifies the delivery method of the cheque by the debtor's
agent.
Valid codes:
MLDB - Cheque is to be sent through mail services to
debtor.
PUDB - Cheque will be picked up by the debtor.
Party
Identification32
element
C
Ultimate party that owes an amount of money to the (ultimate)
creditor.
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
++++
[0..1]
PostalAddress6
element
C
Name by which a party is known and which is usually used to
identify that party.
In Norway, field length restrictions may apply, contact your
bank
Information that locates and identifies a specific address, as
defined by postal services.
Use of structured address is recommended.
<StrtNm>
+++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
<PstCd>
+++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that is
added to a postal address to assist the sorting
Cheque6 element
9.1.8
TownName
<TwnNm>
+++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that is
added to a postal address to assist the sorting
of mail.
9.1.10
Country
<Ctry>
+++++
[0..1]
CountryCode
C
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166, Alpha-2
code).
9.1.11
AddressLine
<AdrLine>
+++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
R
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
2.71
IntermediaryAgent1
<IntrmyAgt1>
+++
[0..1]
BranchAnd
Financial Institution
Identification4
element
BD
Financial Institution
Identification7
element
M
6.1.0
FinancialInstitutionIdentification
<FinInstnId>
++++
[1..1]
Agent between the debtor's agent and the creditor's agent.
For Norway only one intermediary agent is present, Used
only if Creditor Agent has instructed that the payment should
pass their agent.
Unique and unambiguous identification of a financial
institution, as assigned under an internationally
recognised or proprietary identification scheme.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
S25 av 45
5.3.1 Information Structure
ISO
Index
No.
6.1.1
Or
Message Item
BIC
Tag Name
<BIC>
Structural
Sequence
+++++
Mult.
[0..1]
Type
BIC Identifier
Use
in IG
Defenitions / Spesial comments
C
Bank Identifier Code. Code allocated to financial institutions by
the Registration Authority, under an
international identification scheme, as described in the latest
version of the standard ISO 9362 Banking
(Banking telecommunication messages, Bank Identifier Codes).
Valid BICs are registered with the ISO 9362 Registration
Authority, and consist of eight (8) or eleven (11)
contiguous characters comprising the first three or all four of
the following components: BANK CODE,
COUNTRY CODE, LOCATION CODE, BRANCH CODE.
The bank code, country code and location code
are mandatory, while the branch code is optional.
2,77
CreditorAgent
<CdtrAgt>
+++
[0..1]
6.1.0
FinancialInstitutionIdentification
<FinInstnId>
++++
[1..1]
6.1.1
BIC
<BIC>
+++++
[0..1]
BranchAnd
Financial Institution
Identification
element
C
Financial institution servicing an account for the creditor.
Required in Cross Border Payments and SEPA Payments
R
BIC Identifier
C
Bank Identifier Code. Code allocated to financial institutions by
the Registration Authority, under an
international identification scheme, as described in the latest
version of the standard ISO 9362 Banking
(Banking telecommunication messages, Bank Identifier Codes).
Valid BICs are registered with the ISO 9362 Registration
Authority, and consist of eight (8) or eleven (11)
contiguous characters comprising the first three or all four of
the following components: BANK CODE,
COUNTRY CODE, LOCATION CODE, BRANCH CODE.
The bank code, country code and location code
are mandatory, while the branch code is optional.
6.1.2
ClearingSystemMemberIdentification
<ClrSysMmbId>
+++++
[0..1]
ClearingSystem
Member
Identification
element
C
Information used to identify a member within a clearing
system.
6.1.3
ClearingSystemIdentification
<ClrSysId>
++++++
[0..1]
ClearingSystem
Identification Choice
element
R
Specification of a pre-agreed offering between clearing agents
or the channel through which the payment
instruction is processed.
Code
<Cd>
+++++++
[1..1]
ExternalClearing
System
Identification1 Code
maxLength: 5
minLength: 1
M
Identification of a clearing system, in a coded form as published
in an external list.
This message item is part of choice 6.1.3
ClearingSystemIdentification.
6.1.6
MemberIdentification
<MmbId>
++++++
[1..1]
Max35Text
maxLength: 35
minLength: 1
M
Identification of a member of a clearing system.
6.1.7
Name
<Nm>
+++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
C
Name by which an agent is known and which is usually used to
identify that agent.
In Norway, field length restrictions may apply, contact your
bank
6.1.8
PostalAddress
<PstlAdr>
+++++
[0..1]
PostalAddress6
element
R
Information that locates and identifies a specific address, as
defined by postal services.
6.1.12
StreetName
<StrtNm>
++++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
6.1.14
PostCode
<PstCd>
++++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that is
added to a postal address to assist the sorting
of mail.
6.1.15
TownName
<TwnNm>
++++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
R
Name of a built-up area, with defined boundaries, and a local
government.
6.1.17
Country
<Ctry>
++++++
[0..1]
CountryCode
R
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166,
6.1.18
AddressLine
<AdrLine>
++++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
C
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, field length restrictions may apply, contact your
bank
2.79
Creditor
<Cdtr>
+++
[0..1]
PartyIdentification32
element
C
Party to which an amount of money is due.
Required in Cross Border Payments and SEPA Payments
For Norwegian domestic payments, except money orders, only
credit account is needed. CreditorAgent is required to forward
information related to the payment, and uses Creditor Adress
information connected to the CreditAccount in their own
system.
9.1.0
Name
<Nm>
++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
Name by which a party is known and which is usually used to
identify that party.
In Norway, field length restrictions may apply, contact your
bank
6.1.4
{Or
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
S26 av 45
5.3.1 Information Structure
ISO
Index
No.
9.1.1
Or
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Defenitions / Spesial comments
Use
in IG
PostalAddress
<PstlAdr>
++++
[0..1]
PostalAddress6
element
C
Information that locates and identifies a specific address, as
defined by postal services.
Use of structured address is recommended. Required for
cross border payments
9.1.5
StreetName
<StrtNm>
+++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
9.1.7
PostCode
<PstCd>
+++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that is
added to a postal address to assist the sorting
of mail.
9.1.8
TownName
<TwnNm>
+++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
Name of a built-up area, with defined boundaries, and a local
government.
In Norway, field length restrictions may apply, contact your
bank
9.1.10
Country
<Ctry>
+++++
[0..1]
CountryCode
C
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166, Alpha-2
code).
9.1.11
AddressLine
<AdrLine>
+++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
R
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, field length restrictions may apply, contact your
bank
9.1.12
Identification
<Id>
++++
[0..1]
Party6 Choice
element
C
Unique and unambiguous identification of a party.
OrganisationIdentification
<OrgId>
+++++
[1..1]
Organisation
Identification4
element
M
Unique and unambiguous way to identify an organisation.
AnyBICIdentifier
C
9.1.13
{Or
9.1.14
BICOrBEI
<BICOrBEI>
++++++
[0..1]
This message item is part of choice 9.1.12 Identification.
Code allocated to organisations by the ISO 9362 Registration
Authority, under an international identification
scheme, as described in the latest version of the standard ISO
9362 Banking (Banking telecommunication
messages, Bank Identifier Codes).
Only a valid BIC or BEI is allowed. Valid BEI and BIC are
registered with the ISO 9362 Registration Authority,
and consists of eight (8) or eleven (11) contiguous characters
comprising the first three or all four of the following
components: BANK CODE, COUNTRY CODE, LOCATION
CODE, BRANCH CODE. The bank code,
country code and location code are mandatory, while the
branch code is optional.
9.1.15
9.1.16
9.1.33
Other
Identification
CountryOfResidence
<Othr>
<Id>
<CtryOfRes>
++++++
+++++++
++++
[0..n]
[1..1]
[0..1]
2.80
CreditorAccount
<CdtrAcct>
+++
1.1.0
Identification
<Id>
C
Text
CountryCode
R
C
Country in which a person resides (the place of a person's
home). In the case of a company, it is the country
from which the affairs of that company are directed.
The code is checked against the list of country names
obtained from the United Nations (ISO 3166, Alpha-2
code).
[0..1]
CashAccount16
element
C
Unambiguous identification of the account of the creditor to
which a credit entry will be posted as a result
of the payment transaction.
Required in all payments except local international cheque
and local payment orders.
++++
[1..1]
AccountIdentificatio
n4 Choice element
M
Unique and unambiguous identification for the account
between the account owner and the account servicer.
1.1.1
{Or
IBAN
<IBAN>
+++++
[1..1]
IBAN2007Identifier
Format: [AZ]{2,2}[0-9]{2,2}[azA-Z0-9]{1,30}
M
International Bank Account Number (IBAN) - identifier used
internationally by financial institutions to
uniquely identify the account of a customer. Further
specifications of the format and content of the IBAN
can be found in the standard ISO 13616 "Banking and related
financial services - International Bank Account
Number (IBAN)" version 1997-10-01, or later revisions.
A valid IBAN consists of all three of the following
components: Country Code, check digits and BBAN.
1.1.2
Or}
Other
<Othr>
+++++
[1..1]
GenericAccount
Identification1
element
M
Unique identification of an account, as assigned by the account
servicer, using an identification scheme.
1.1.3
Identification
<Id>
++++++
[1..1]
Max34Text
maxLength: 34
minLength: 1
M
Identification assigned by an institution.
Local accountnumber that will be credited for the transactions
1.1.4
SchemeName
<SchmeNm>
++++++
[0..1]
AccountSchemeNa
me1 Choice element
R
Name of the identification scheme
<Cd>
+++++++
[1..1]
ExternalAccount
Identification1Code
maxLength: 4
minLength: 1
R
Name of the identification scheme, in a coded form as
published in an external list.
Valid code: BBAN
1.1.5
{{Or Code
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
S27 av 45
5.3.1 Information Structure
ISO
Index
No.
2.81
Or
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use
in IG
Defenitions / Spesial comments
UltimateCreditor
<UltmtCdtr>
+++
[0..1]
PartyIdentification32
element
C
Ultimate party to which an amount of money is due.
9.1.0
Name
<Nm>
++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
Name by which a party is known and which is usually used to
identify that party.
In Norway, field length restrictions may apply, contact your
bank
9.1.1
PostalAddress
<PstlAdr>
++++
[0..1]
PostalAddress6
element
C
Information that locates and identifies a specific address, as
defined by postal services.
In Norway, field length restrictions may apply, contact your
bank
9.1.5
StreetName
<StrtNm>
+++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
9.1.7
PostCode
<PstCd>
+++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that is
added to a postal address to assist the sorting
of mail.
9.1.8
TownName
<TwnNm>
+++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
Name of a built-up area, with defined boundaries, and a local
government.
9.1.10
Country
<Ctry>
+++++
[0..1]
CountryCode
C
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166, Alpha-2
code).
9.1.11
AddressLine
<AdrLine>
+++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
R
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, field length restrictions may apply, contact your
bank
2.82
InstructionForCreditorAgent
<InstrForCdtrAgt>
+++
[0..n]
InstructionFor
CreditorAgent1
element
BD
Further information related to the processing of the payment
instruction, provided by the initiating party,
and intended for the creditor agent.
2.83
Code
<Cd>
++++
[0..1]
Instruction Code
BD
Coded information related to the processing of the payment
instruction, provided by the initiating party, and
intended for the creditor's agent.
Excamples:
CHQB - (Ultimate) creditor must be paid by cheque.
HOLD - Amount of money must be held for the (ultimate)
creditor, who will call. Pay on identification.
PHOB - Please advise/contact (ultimate)
creditor/claimant by phone
TELB - Please advise/contact (ultimate) creditor/claimant
by the most efficient means of telecommunication
2.84
InstructionInformation
<InstrInf>
++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
BD
Further information complementing the coded instruction or
instruction to the creditor's agent that is
bilaterally agreed or specific to a user community.
2.89
RegulatoryReporting
<RgltryRptg>
+++
[0..10] Regulatory
Reporting3 element
C
Information needed due to regulatory and statutory
requirements.
11.1.4
Details
<Dtls>
++++
[0..n]
Structured
Regulatory
Reporting3 element
R
Set of elements used to provide details on the regulatory
reporting information.
11.1.8
Code
<Cd>
+++++
[0..1]
Max10Text
maxLength: 10
minLength: 1
R
Specifies the nature, purpose, and reason for the transaction to
be reported for regulatory and statutory
requirements in a coded form.
Contact the financial institution for information as to use of
the element, and updated code-list.
11.1.10
Information
<Inf>
+++++
[0..n]
Max35Text
maxLength: 35
minLength: 1
R
Additional details that cater for specific domestic regulatory
requirements.
2.98
RemittanceInformation
<RmtInf>
+++
[0..1]
Remittance
Information5
element
C
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.
Structured Remittance information is preferred
2.99
Unstructured
<Ustrd>
++++
[0..n]
Max140Text
maxLength: 140
minLength: 1
C
Information supplied to enable the matching/reconciliation of an
entry with the items that the payment is
intended to settle, such as commercial invoices in an accounts'
receivable system, in an unstructured form.
Domestic, max 1750
International, max 140
Structured remittance information is preferred
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
S28 av 45
5.3.1 Information Structure
ISO
Index
No.
2.100
Or
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use
in IG
Defenitions / Spesial comments
Information supplied to enable the matching/reconciliation of an
entry with the items that the payment is
intended to settle, such as commercial invoices in an accounts'
receivable system, in a structured form.
Structured
<Strd>
++++
[0..n]
Structured
Remittance
Information7
element
C
2.101
ReferredDocumentInformation
<RfrdDocInf>
+++++
[0..n]
Referred Document
Information3
element
R
Set of elements used to identify the documents referred to in
the remittance information.
2.102
Type
<Tp>
++++++
[0..1]
ReferredDocument
Type2 element
R
Specifies the type of referred document.
2.103
CodeOrProprietary
<CdOrPrtry>
+++++++
[1..1]
ReferredDocument
Type1Choice
element
M
Provides the type details of the referred document.
Code
<Cd>
++++++++ [1..1]
DocumentType5
Code
M
Document type in a coded form.
Recommended
2.104
{Or
CINV - Document is an invoice.
.CREN - Document is a credit note.
In Norway only one combination of CINV and CREN pr
payment, to ensure that information can be provided in a to
the creditor.
2.107
Number
<Nb>
++++++
[0..1]
2.108
RelatedDate
<RltdDt>
++++++
[0..1]
2.109
ReferredDocumentAmount
<RfrdDocAmt>
+++++
[0..1]
2.110
DuePayableAmount
<DuePyblAmt
Ccy="AAA">
++++++
2.112
CreditNoteAmount
<CdtNoteAmt
Ccy="AAA">
2.119
RemittedAmount
2.120
R
Unique and unambiguous identification of the referred
document.
C
Date associated with the referred document.
Remittance
Amount1 element
C
Set of elements used to provide details on the amounts of the
referred document.
[0..1]
ActiveOrHistoric
CurrencyAnd
Amount
fractionDigits: 5
minInclusive: 0
totalDigits: 18
C
Amount specified is the exact amount due and payable to the
creditor.
CurrencyAmount
The number of fractional digits (or minor unit of currency)
must comply with ISO 4217.
Note: The decimal separator is a dot.
++++++
[0..1]
ActiveOrHistoric
CurrencyAnd
Amount
fractionDigits: 5
minInclusive: 0
totalDigits: 18
C
Amount specified for the referred document is the amount of a
credit note.
The number of fractional digits (or minor unit of currency)
must comply with ISO 4217.
Note: The decimal separator is a dot.
<RmtdAmt
Ccy="AAA">
++++++
[0..1]
ActiveOrHistoric
CurrencyAnd
Amount
fractionDigits: 5
minInclusive: 0
totalDigits: 18
C
Amount of money remitted for the referred document.
The number of fractional digits (or minor unit of currency)
must comply with ISO 4217.
Note: The decimal separator is a dot.
CreditorReferenceInformation
<CdtrRefInf>
+++++
[0..1]
CreditorReference
Information2
element
C
Reference information provided by the creditor to allow the
identification of the underlying documents.
2.121
Type
<Tp>
++++++
[0..1]
CreditorReference
Type2 element
C
Specifies the type of creditor reference.
2.122
CodeOrProprietary
<CdOrPrtry>
+++++++
[1..1]
CreditorReference
Type1Choice
element
M
Coded or proprietary format creditor reference type.
Code
<Cd>
++++++++ [1..1]
DocumentType3
Code
R
Type of creditor reference, in a coded form.
Valid code is SCOR
2.125
Issuer
<Issr>
+++++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
Entity that assigns the credit reference type.
Valid text: ISO (brukes kun for ISO11649 )
2.126
Reference
<Ref>
++++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
R
Unique reference, as assigned by the creditor, to
unambiguously refer to the payment transaction.
2.123
{Or
Max35Text
maxLength: 35
minLength: 1
ISODate
KID number or Structured Creditor Reference (ISO11649)
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
S29 av 45
5.4 Descriptions parties-instr.
]
5.4 Key elements describing parties and instructions - Descriptions.
5.4.1 Payment Information - PaymentTypeInformation
Used to specify the type of transaction.
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
C
Set of elements used to further specify the type of transaction.
Required at either Payment or Transaction Level, but should
not be present at both levels. Recommnded usage is at
Payment level.
BD
Based on whether priority processing vs. normal processing is
offered by the bank.
Valid codes:
HIGH - High priority processing
NORM - Normal processing
2.6
PaymentTypeInformation <PmtTpInf>
++
[0..1]
Payment Type
Information 19
2.7
InstructionPriority
<InstrPrty>
+++
[0..1]
Code
2.8
ServiceLevel
<SvcLvl>
+++
[0..1]
Service Level8
Choice
C
Agreement/rule under which the transaction should be
processed.
2.9
Code
<Cd>
++++
[1..1]
Code
maxLength: 4
minLength: 1
M
Specifies a pre-agreed service or level of service between the
parties, as published in an external service
level code list.
2.14
CategoryPurpose
<CtgyPurp>
+++
[0..1]
CategoryPurpose1
Choice
C
Specifies the high level purpose of the instruction based on a
set of pre-defined categories.
Usage: This is used by the initiating party to provide
information concerning the processing of the payment.
It is likely to trigger special processing by any of the agents
involved in the payment chain.
In absence of this element, the payment will be prosessed as a
supplier payment
2.15
Code
<Cd>
++++
[1..1]
ExternalCategory
Purpose1 Code
maxLength: 4
minLength: 1
M
Specifies the high level purpose of the instruction based on a
set of pre-defined categories.
Usage: This is used by the initiating party to provide
information concerning the processing of the payment.
It is likely to trigger special processing by any of the agents
involved in the payment chain.
Valid codes example: INTC, PENS, SALA, SUPP, TREA
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 30 av 45
5.4 Descriptions parties-instr.
]
5.4.2 Payment Information – Debtor
ISO
Index
No.
2.19
Message Item
Debtor
Tag Name
<Dbtr>
Structural
Sequence
++
Mult.
Type
Use in IG
Defenitions / Spesial comments
[1..1]
PartyIdentification32
element
R
Party that owes an amount of money to the (ultimate) creditor.
This is the owner of the debtor account
9.1.12
Identification
9.1.13
<Id>
+++
[0..1]
Party6Choice
OrganisationIdentification <OrgId>
++++
[1..1]
9.1.14
BICOrBEI
<BICOrBEI>
+++++
[0..1]
Organisation
Identification4
AnyBICIdentifier
9.1.15
Other
<Othr>
+++++
[0..n]
9.1.16
Identification
<Id>
++++++
[1..1]
R
Unique and unambiguous identification of a party.
M
Unique and unambiguous way to identify an organisation.
BD
Code allocated to organisations by the ISO 9362 Registration
Authority, under an international identification
scheme, as described in the latest version of the standard ISO
9362 Banking (Banking telecommunication
messages, Bank Identifier Codes).
The Ba
Only a valid BIC or BEI is allowed. Valid BEI and BIC are
registered with the ISO 9362 Registration Authority,
and consists of eight (8) or eleven (11) contiguous characters
comprising the first three or all four of the following
components: BANK CODE, COUNTRY CODE, LOCATION
CODE, BRANCH CODE. The bank code,
country code and location code are mandatory, while the
branch code is optional.
GenericOrganisation
Identification1
BD
Unique identification of an organisation, as assigned by an
institution, using an identification scheme.
Max35Text
maxLength: 35
minLength: 1
M
Identification assigned by an institution.
Organisation number
5.4.3 Payment Information – DebtorAccount
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
2.20
DebtorAccount
<DbtrAcct>
++
[1..1]
1.1.0
Identification
<Id>
+++
[1..1]
Type
CashAccount16
element
Use in IG
M
Unambiguous identification of the account of the debtor to
which a debit entry will be made as a result of the transaction.
M
Unique and unambiguous identification for the account
between the account owner and the account servicer.
M
International Bank Account Number (IBAN) - identifier used
internationally by financial institutions to
uniquely identify the account of a customer. Further
specifications of the format and content of the IBAN
can be found in the standard ISO 13616 "Banking and related
financial services - International Bank Account
Number (IBAN)" version 1997-10-01, or later revisions.
AccountIdentification
4 Choice element
1.1.1
IBAN
<IBAN>
++++
[1..1]
IBAN2007Identifier
Format: [A-Z]{2,2}[09]{2,2}[a-zA-Z09]{1,30}
Defenitions / Spesial comments
A valid IBAN consists of all three of the following
components: Country Code, check digits and BBAN.
1.1.2
Other
<Othr>
++++
[1..1]
1.1.3
Identification
<Id>
+++++
[1..1]
1.1.4
SchemeName
<SchmeNm>
+++++
[0..1]
1.1.5
Code
<Cd>
++++++
[1..1]
GenericAccount
Identification1
element
Max34Text
maxLength: 34
minLength: 1
M
Unique identification of an account, as assigned by the account
servicer, using an identification scheme.
M
Identification assigned by an institution.
Local accountnumber that will be debited for the transactions
AccountSchemeNam
e1 Choice element
ExternalAccount
Identification1Code
maxLength: 4
minLength: 1
BD
Name of the identification scheme
M
Name of the identification scheme, in a coded form as
published in an external list.
Valid code: BBAN
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 31 av 45
5.4 Descriptions parties-instr.
]
5.4.4 Payment Information – DebtorAgent
ISO
Index
No.
Message Item
Tag Name
<DbtrAgt>
Mult.
Type
Use in IG
++
[1..1]
BranchAndFinancialI
nstitutionIdentificatio
n4 element
M
Financial institution servicing an account for the debtor.
Structural
Sequence
Defenitions / Spesial comments
2.21
DebtorAgent
6.1.0
FinancialInstitutionIdentification
<FinInstnId>
+++
[1..1]
FinancialInstitution
Identification7
element
M
Unique and unambiguous identification of a financial
institution, as assigned under an internationally
recognised or proprietary identification scheme.
6.1.1
BIC
++++
[0..1]
BIC Identifier
R
Bank Identifier Code. Code allocated to financial institutions
by the Registration Authority, under an
international identification scheme, as described in the latest
version of the standard ISO 9362 Banking
(Banking telecommunication messages, Bank Identifier
Codes).
Valid BICs are registered with the ISO 9362 Registration
Authority, and consist of eight (8) or eleven (11)
contiguous characters comprising the first three or all four of
the following components: BANK CODE,
COUNTRY CODE, LOCATION CODE, BRANCH CODE. The
bank code, country code and location code
are mandatory, while the branch code is optional.
<BIC>
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 32 av 45
5.4 Descriptions parties-instr.
]
5.4.5 Payment Information – UltimateDebtor
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.23
UltimateDebtor
<UltmtDbtr>
++
[0..1]
PartyIdentification32
element
C
Ultimate party that owes an amount of money to the (ultimate)
creditor.
9.1.0
Name
<Nm>
+++
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
Name by which a party is known and which is usually used to
identify that party.
In Norway , field length restrictions may apply, contact your
bank
9.1.1
PostalAddress
<PstlAdr>
+++
[0..1]
PostalAddress6
element
R
Information that locates and identifies a specific address, as
defined by postal services.
Use of structured address is recommended.
9.1.2
AddressType
<AdrTp>
++++
[0..1]
AddressType2Code
9.1.5
StreetName
<StrtNm>
++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
NU
Identifies the nature of the postal address.
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
9.1.6
BuildingNumber
<BldgNb>
++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
NU
9.1.7
PostCode
<PstCd>
++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that
is added to a postal address to assist the sorting.
9.1.8
TownName
<TwnNm>
++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that
is added to a postal address to assist the sorting
of mail.
9.1.10
Country
<Ctry>
++++
[0..1]
CountryCode
Format: [A-Z]{2,2}
R
Nation with its own government.
9.1.11
AddressLine
<AdrLine>
++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
C
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, Field length restrictions may apply, contact your
bank
Number that identifies the position of a building on a street.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 33 av 45
5.4 Descriptions parties-instr.
]
5.4.6 Credit Transfer Transaction Information – PaymentIdentification
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.31
PaymentTypeInformation <PmtTpInf>
+++
[0..1]
PaymentType
Information19
element
C
Set of elements used to further specify the type of transaction.
May be used either on this level or the Payment Information
Level
2.32
InstructionPriority
<InstrPrty>
++++
[0..1]
Priority2Code
BD
Based on whether priority processing vs. normal processing is
offered by the bank.
Valid codes:
HIGH - High priority processing
NORM - Normal processing
2.33
ServiceLevel
<SvcLvl>
++++
[0..1]
ServiceLevel8
Choice element
C
Agreement under which or rules under which the transaction
should be processed.
2.34
Code
<Cd>
+++++
[1..1]
ExternalServiceLevel
1Code
maxLength: 4
minLength: 1
M
Specifies a pre-agreed service or level of service between the
parties, as published in an external service
level code list.
Contact the financial institution for information
2.39
CategoryPurpose
<CtgyPurp>
++++
[0..1]
Category
Purpose1Choice
element
C
Specifies the high level purpose of the instruction based on a
set of pre-defined categories.
Usage: This is used by the initiating party to provide
information concerning the processing of the payment.
It is likely to trigger special processing by any of the agents
involved in the payment chain.
In absence of this element, the payment will be prosessed as a
supplier payment
2.40
Code
<Cd>
+++++
[1..1]
ExternalCategoryPur
pose1Code
maxLength: 4
minLength: 1
M
Category purpose, as published in an external category
purpose code list.
Valid codes excamples: INTC, PENS, SALA, SUPP, TREA
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 34 av 45
5.4 Descriptions parties-instr.
]
5.4.7 Credit Transfer Transaction Information – Amount
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.42
Amount
<Amt>
+++
[1..1]
AmountType3
Choice element
M
Amount of money to be moved between the debtor and
creditor, before deduction of charges, expressed in
the currency as ordered by the initiating party.
2.43
InstructedAmount
<InstdAmt
Ccy="AAA">
++++
[1..1]
ActiveOrHistoricCurr
encyCode
fractionDigits: 5
minInclusive: 0
totalDigits: 18
M
Amount of money to be moved between the debtor and
creditor, before deduction of charges, expressed in
the currency as ordered by the initiating party.
2.44
EquivalentAmount
<EqvtAmt>
++++
[1..1]
Equivalent Amount2
element
M
Amount of money to be moved between the debtor and
creditor, expressed in the currency of the debtor's
account, and the currency in which the amount is to be moved.
<Amt
Ccy="AAA">
+++++
[1..1]
ActiveOrHistoricCurr
encyCode
fractionDigits: 5
minInclusive: 0
totalDigits: 18
M
Amount of money to be moved between debtor and creditor,
before deduction of charges, expressed in the
currency of the debtor's account, and to be moved in a
different currency.
Usage: The first agent will convert the equivalent amount into
the amount to be moved.
<CcyOfTrf>
+++++
[1..1]
ActiveOrHistoricCurr
encyCode
M
Specifies the currency of the to be transferred amount, which
is different from the currency of the debtor's
account.
The Currency Code must be registered, or have already been
registered. Valid active or historic currency codes
are registered with ISO 4217
2.45
2.46
Amount
CurrencyOfTransfer
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 35 av 45
5.4 Descriptions parties-instr.
]
5.4.8 Credit Transfer Transaction Information – UltimateDebtor
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.70
UltimateDebtor
<UltmtDbtr>
+++
[0..1]
Party Identification32
element
C
Ultimate party that owes an amount of money to the (ultimate)
creditor.
9.1.0
Name
<Nm>
++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
Name by which a party is known and which is usually used to
identify that party.
In Norway, field length restrictions may apply, contact your
bank
9.1.1
PostalAddress
<PstlAdr>
++++
[0..1]
PostalAddress6
element
C
Information that locates and identifies a specific address, as
defined by postal services.
Use of structured address is recommended.
9.1.5
StreetName
<StrtNm>
+++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
<PstCd>
+++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that
is added to a postal address to assist the sorting
Identifier consisting of a group of letters and/or numbers that
is added to a postal address to assist the sorting
of mail.
9.1.7
PostCode
9.1.8
TownName
<TwnNm>
+++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
9.1.9
CountrySubDivision
<CtrySubDvsn>
+++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
NU
9.1.10
Country
<Ctry>
+++++
[0..1]
CountryCode
C
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166, Alpha-2
code).
9.1.11
AddressLine
<AdrLine>
+++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
R
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
Nation with its own government.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 36 av 45
5.4 Descriptions parties-instr.
]
5.4.9 Credit Transfer Transaction Information – IntermediaryAgent1
ISO
Index
No.
2.71
Message Item
IntermediaryAgent1
Tag Name
<IntrmyAgt1>
Structural
Sequence
+++
Mult.
Type
Use in IG
[0..1]
BranchAnd Financial
Institution
Identification4
element
BD
Defenitions / Spesial comments
Agent between the debtor's agent and the creditor's agent.
For Norway only one intermediary agent is present, Used
only if Creditor Agent has instructed that the payment should
pass their agent.
6.1.0
FinancialInstitutionIdentification
<FinInstnId>
++++
[1..1]
Financial Institution
Identification7
element
M
Unique and unambiguous identification of a financial
institution, as assigned under an internationally
recognised or proprietary identification scheme.
6.1.1
BIC
+++++
[0..1]
BIC Identifier
C
Bank Identifier Code. Code allocated to financial institutions
by the Registration Authority, under an
international identification scheme, as described in the latest
version of the standard ISO 9362 Banking
(Banking telecommunication messages, Bank Identifier
Codes).
<BIC>
Valid BICs are registered with the ISO 9362 Registration
Authority, and consist of eight (8) or eleven (11)
contiguous characters comprising the first three or all four of
the following components: BANK CODE,
COUNTRY CODE, LOCATION CODE, BRANCH CODE. The
bank code, country code and location code
are mandatory, while the branch code is optional.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 37 av 45
5.4 Descriptions parties-instr.
]
5.4.10 Credit Transfer Transaction Information –CreditorAgent
ISO
Index
No.
2,77
Message Item
CreditorAgent
Tag Name
<CdtrAgt>
Structural
Sequence
+++
Mult.
Type
Use in IG
[0..1]
BranchAnd Financial
Institution
Identification element
C
6.1.0
FinancialInstitutionIdentification
<FinInstnId>
++++
[1..1]
6.1.1
BIC
+++++
[0..1]
<BIC>
Defenitions / Spesial comments
Financial institution servicing an account for the creditor.
Required in Cross Border Payments and SEPA Payments
R
BIC Identifier
C
Bank Identifier Code. Code allocated to financial institutions
by the Registration Authority, under an
international identification scheme, as described in the latest
version of the standard ISO 9362 Banking
(Banking telecommunication messages, Bank Identifier
Codes).
Valid BICs are registered with the ISO 9362 Registration
Authority, and consist of eight (8) or eleven (11)
contiguous characters comprising the first three or all four of
the following components: BANK CODE,
COUNTRY CODE, LOCATION CODE, BRANCH CODE. The
bank code, country code and location code
are mandatory, while the branch code is optional.
6.1.2
ClearingSystemMemberIdentification
<ClrSysMmbId> +++++
[0..1]
ClearingSystem
Member
Identification element
C
Information used to identify a member within a clearing
system.
6.1.3
ClearingSystemIdentification
<ClrSysId>
++++++
[0..1]
ClearingSystem
Identification Choice
element
R
Specification of a pre-agreed offering between clearing agents
or the channel through which the payment
instruction is processed.
6.1.4
Code
<Cd>
+++++++ [1..1]
ExternalClearing
System
Identification1 Code
maxLength: 5
minLength: 1
M
Identification of a clearing system, in a coded form as
published in an external list.
This message item is part of choice 6.1.3
ClearingSystemIdentification.
6.1.6
MemberIdentification
<MmbId>
++++++
[1..1]
Max35Text
maxLength: 35
minLength: 1
M
Identification of a member of a clearing system.
6.1.7
Name
<Nm>
+++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
C
Name by which an agent is known and which is usually used to
identify that agent.
In Norway, field length restrictions may apply, contact your
bank
6.1.8
PostalAddress
<PstlAdr>
+++++
[0..1]
PostalAddress6
element
R
Information that locates and identifies a specific address, as
defined by postal services.
6.1.12
StreetName
<StrtNm>
++++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
6.1.13
BuildingNumber
<BldgNb>
++++++
[0..1]
Text
6.1.14
PostCode
<PstCd>
++++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that
is added to a postal address to assist the sorting
of mail.
6.1.15
TownName
<TwnNm>
++++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
R
Name of a built-up area, with defined boundaries, and a local
government.
6.1.17
Country
<Ctry>
++++++
[0..1]
CountryCode
R
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166,
6.1.18
AddressLine
<AdrLine>
++++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
C
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, field length restrictions may apply, contact your
bank
NU
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 38 av 45
5.4 Descriptions parties-instr.
]
5.4.11 Credit Transfer Transaction Information –Creditor
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.79
Creditor
<Cdtr>
+++
[0..1]
PartyIdentification32
element
C
Party to which an amount of money is due.
Required in Cross Border Payments and SEPA Payments
For Norwegian domestic payments, except money orders, only
credit account is needed. CreditorAgent is required to forward
information related to the payment, and uses Creditor Adress
information connected to the CreditAccount in their own
system.
9.1.0
Name
<Nm>
++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
Name by which a party is known and which is usually used to
identify that party.
In Norway, field length restrictions may apply, contact your
bank
9.1.1
PostalAddress
<PstlAdr>
++++
[0..1]
PostalAddress6
element
C
Information that locates and identifies a specific address, as
defined by postal services.
Use of structured address is recommended. Required for
cross border payments
9.1.5
StreetName
<StrtNm>
+++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
In Norway, field length restrictions may apply, contact your
bank
9.1.7
PostCode
<PstCd>
+++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that
is added to a postal address to assist the sorting
of mail.
9.1.8
TownName
<TwnNm>
+++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
Name of a built-up area, with defined boundaries, and a local
government.
In Norway, field length restrictions may apply, contact your
bank
9.1.10
Country
<Ctry>
+++++
[0..1]
CountryCode
C
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166, Alpha-2
code).
9.1.11
AddressLine
<AdrLine>
+++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
R
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, field length restrictions may apply, contact your
bank
9.1.12
Identification
<Id>
++++
[0..1]
C
Unique and unambiguous identification of a party.
9.1.13
OrganisationIdentification <OrgId>
+++++
[1..1]
M
Unique and unambiguous way to identify an organisation.
Party6 Choice element
Organisation
Identification4
element
This message item is part of choice 9.1.12 Identification.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 39 av 45
5.4 Descriptions parties-instr.
9.1.14
BICOrBEI
<BICOrBEI>
++++++
[0..1]
AnyBICIdentifier
]
C
Code allocated to organisations by the ISO 9362 Registration
Authority, under an international identification
scheme, as described in the latest version of the standard ISO
9362 Banking (Banking telecommunication
messages, Bank Identifier Codes).
Only a valid BIC or BEI is allowed. Valid BEI and BIC are
registered with the ISO 9362 Registration Authority,
and consists of eight (8) or eleven (11) contiguous characters
comprising the first three or all four of the following
components: BANK CODE, COUNTRY CODE, LOCATION
CODE, BRANCH CODE. The bank code,
country code and location code are mandatory, while the
branch code is optional.
9.1.15
Other
<Othr>
++++++
9.1.16
Identification
<Id>
+++++++ [1..1]
Text
9.1.33
CountryOfResidence
<CtryOfRes>
++++
CountryCode
[0..n]
[0..1]
C
R
C
Country in which a person resides (the place of a person's
home). In the case of a company, it is the country
from which the affairs of that company are directed.
The code is checked against the list of country names
obtained from the United Nations (ISO 3166, Alpha-2
code).
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 40 av 45
5.4 Descriptions parties-instr.
]
5.4.12 Credit Transfer Transaction Information –CreditorAccount
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.80
CreditorAccount
<CdtrAcct>
+++
[0..1]
CashAccount16
element
C
Unambiguous identification of the account of the creditor to
which a credit entry will be posted as a result
of the payment transaction.
Required in all payments except local international cheque
and local payment orders.
1.1.0
Identification
<Id>
++++
[1..1]
AccountIdentification
4 Choice element
M
Unique and unambiguous identification for the account
between the account owner and the account servicer.
1.1.1
IBAN
<IBAN>
+++++
[1..1]
IBAN2007Identifier
Format: [A-Z]{2,2}[09]{2,2}[a-zA-Z09]{1,30}
M
International Bank Account Number (IBAN) - identifier used
internationally by financial institutions to
uniquely identify the account of a customer. Further
specifications of the format and content of the IBAN
can be found in the standard ISO 13616 "Banking and related
financial services - International Bank Account
Number (IBAN)" version 1997-10-01, or later revisions.
A valid IBAN consists of all three of the following
components: Country Code, check digits and BBAN.
1.1.2
Other
<Othr>
+++++
[1..1]
GenericAccount
Identification1
element
M
Unique identification of an account, as assigned by the account
servicer, using an identification scheme.
1.1.3
Identification
<Id>
++++++
[1..1]
Max34Text
maxLength: 34
minLength: 1
M
Identification assigned by an institution.
Local accountnumber that will be credited for the transactions
1.1.4
SchemeName
<SchmeNm>
++++++
[0..1]
AccountSchemeNam
e1 Choice element
R
Name of the identification scheme
1.1.5
Code
<Cd>
+++++++ [1..1]
ExternalAccount
Identification1Code
maxLength: 4
minLength: 1
R
Name of the identification scheme, in a coded form as
published in an external list.
Valid code: BBAN
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 41 av 45
5.4 Descriptions parties-instr.
]
5.4.13 Credit Transfer Transaction Information –UltimateCreditor
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.81
UltimateCreditor
<UltmtCdtr>
+++
[0..1]
PartyIdentification32
element
C
Ultimate party to which an amount of money is due.
9.1.0
Name
<Nm>
++++
[0..1]
Max140Text
maxLength: 140
minLength: 1
R
Name by which a party is known and which is usually used to
identify that party.
In Norway, field length restrictions may apply, contact your
bank
9.1.1
PostalAddress
<PstlAdr>
++++
[0..1]
PostalAddress6
element
C
Information that locates and identifies a specific address, as
defined by postal services.
In Norway, field length restrictions may apply, contact your
bank
9.1.5
StreetName
<StrtNm>
+++++
[0..1]
Max70Text
maxLength: 70
minLength: 1
C
Name of a street or thoroughfare.
9.1.7
PostCode
<PstCd>
+++++
[0..1]
Max16Text
maxLength: 16
minLength: 1
C
Identifier consisting of a group of letters and/or numbers that
is added to a postal address to assist the sorting
of mail.
9.1.8
TownName
<TwnNm>
+++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
C
Name of a built-up area, with defined boundaries, and a local
government.
9.1.10
Country
<Ctry>
+++++
[0..1]
CountryCode
C
Nation with its own government.
The code is checked against the list of country names obtained
from the United Nations (ISO 3166, Alpha-2
code).
9.1.11
AddressLine
<AdrLine>
+++++
[0..7]
Max70Text
maxLength: 70
minLength: 1
R
Information that locates and identifies a specific address, as
defined by postal services, presented in free
format text.
In Norway, field length restrictions may apply, contact your
bank
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 42 av 45
5.4 Descriptions parties-instr.
]
5.4.14 Credit Transfer Transaction Information –RegulatoryReporting
ISO
Index
No.
Message Item
Tag Name
Structural
Sequence
Mult.
Type
Use in IG
Defenitions / Spesial comments
2.89
RegulatoryReporting
<RgltryRptg>
+++
[0..10] Regulatory
Reporting3 element
C
Information needed due to regulatory and statutory
requirements.
11.1.4
Details
<Dtls>
++++
[0..n]
Structured
Regulatory
Reporting3 element
R
Set of elements used to provide details on the regulatory
reporting information.
11.1.8
Code
<Cd>
+++++
[0..1]
Max10Text
maxLength: 10
minLength: 1
R
Specifies the nature, purpose, and reason for the transaction to
be reported for regulatory and statutory
requirements in a coded form.
Contact the financial institution for information as to use of
the element, and updated code-list.
11.1.10 Information
<Inf>
+++++
[0..n]
Max35Text
maxLength: 35
minLength: 1
R
Additional details that cater for specific domestic regulatory
requirements.
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 43 av 45
5.4 Descriptions parties-instr.
]
5.4.15 Credit Transfer Transaction Information –RemittanceInformation
ISO
Index
No.
2.98
Message Item
RemittanceInformation
Tag Name
<RmtInf>
Structural
Sequence
+++
Mult.
Type
Use in IG
Defenitions / Spesial comments
[0..1]
Remittance
Information5 element
C
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.
Structured Remittance information is preferred
2.99
Unstructured
<Ustrd>
++++
[0..n]
Max140Text
maxLength: 140
minLength: 1
C
Information supplied to enable the matching/reconciliation of
an entry with the items that the payment is
intended to settle, such as commercial invoices in an accounts'
receivable system, in an unstructured form.
Domestic, max 1750
International, max 140
Structured remittance information is preferred
2.100
Structured
<Strd>
++++
[0..n]
Structured
Remittance
Information7 element
C
Information supplied to enable the matching/reconciliation of
an entry with the items that the payment is
intended to settle, such as commercial invoices in an accounts'
receivable system, in a structured form.
2.101
ReferredDocumentInformation
<RfrdDocInf>
+++++
[0..n]
Referred Document
Information3 element
R
Set of elements used to identify the documents referred to in
the remittance information.
2.102
Type
<Tp>
++++++
[0..1]
ReferredDocument
Type2 element
R
Specifies the type of referred document.
2.103
CodeOrProprietary
<CdOrPrtry>
+++++++ [1..1]
ReferredDocument
Type1Choice element
M
Provides the type details of the referred document.
2.104
Code
<Cd>
+++++++ [1..1]
+
DocumentType5
Code
M
2.107
Number
<Nb>
++++++
[0..1]
Max35Text
maxLength: 35
minLength: 1
R
Document type in a coded form.
Ant is a shipping notice.
CINV - Document is an invoice.
.
CREN - Document is a credit note.
D
Unique and unambiguous identification of the referred
document.
2.108
RelatedDate
<RltdDt>
++++++
[0..1]
2.109
ReferredDocumentAmount <RfrdDocAmt>
+++++
[0..1]
2.110
DuePayableAmount
<DuePyblAmt
Ccy="AAA">
++++++
2.112
CreditNoteAmount
<CdtNoteAmt
Ccy="AAA">
++++++
Recommended
C
Date associated with the referred document.
Remittance Amount1
element
C
Set of elements used to provide details on the amounts of the
referred document.
[0..1]
ActiveOrHistoric
CurrencyAnd
Amount
fractionDigits: 5
minInclusive: 0
totalDigits: 18
C
Amount specified is the exact amount due and payable to the
creditor.
CurrencyAmount
The number of fractional digits (or minor unit of currency)
must comply with ISO 4217.
Note: The decimal separator is a dot.
[0..1]
ActiveOrHistoric
CurrencyAnd
Amount
fractionDigits: 5
minInclusive: 0
totalDigits: 18
C
Amount specified for the referred document is the amount of a
credit note.
The number of fractional digits (or minor unit of currency)
must comply with ISO 4217.
Note: The decimal separator is a dot.
ISODate
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 44 av 45
5.4 Descriptions parties-instr.
2.119
RemittedAmount
2.120
<RmtdAmt
Ccy="AAA">
]
++++++
[0..1]
ActiveOrHistoric
CurrencyAnd
Amount
fractionDigits: 5
minInclusive: 0
totalDigits: 18
C
Amount of money remitted for the referred document.
The number of fractional digits (or minor unit of currency)
must comply with ISO 4217.
Note: The decimal separator is a dot.
CreditorReferenceInformation
<CdtrRefInf>
+++++
[0..1]
CreditorReference
Information2 element
C
Reference information provided by the creditor to allow the
identification of the underlying documents.
2.121
Type
<Tp>
++++++
[0..1]
CreditorReference
Type2 element
C
Specifies the type of creditor reference.
2.122
CodeOrProprietary
<CdOrPrtry>
+++++++ [1..1]
CreditorReference
Type1Choice element
M
Coded or proprietary format creditor reference type.
2.123
Code
<Cd>
+++++++ [1..1]
+
DocumentType3
Code
R
Type of creditor reference, in a coded form.
Valid code is SCOR
2.125
Issuer
<Issr>
+++++++ [0..1]
Max35Text
maxLength: 35
minLength: 1
C
Entity that assigns the credit reference type.
Valid text: ISO (brukes kun for ISO11649 )
2.126
Reference
<Ref>
++++++
Max35Text
maxLength: 35
minLength: 1
R
Unique reference, as assigned by the creditor, to
unambiguously refer to the payment transaction.
[0..1]
KID number or Structured Creditor Reference (ISO11649)
BSK Bank IG ver 1 av pain 001.001.03 Customer Credit Transfer Initiation 201201
Side 45 av 45