1_2_1 RTSX Message Processing

11

MESSAGE PROCESSING IN RTS/X

CMA Small Systems AB

Prepared by:Sergey Shumov

www.cma.se

22

Network Connections

RTS/X in the Central Bank

S.W.I.F.T.

BANK А

Bank Net (Private Network)

S.W.I.F.T. Network

BANK B

Private Network

33

Message МТ 202 – General Financial Institution Transfer

Example

BANK А sends transfer LYD 1000,000 to BANK B. Value date is 05.04.2006

BANK А RTS/X

МТ 202

Bank ABank A RTS/XRTS/X Bank BBank BCODE:CODE:

ACCOUNT:ACCOUNT:

AAAALYLXAAAALYLX

AAAA.SAAAAA.SA

CBLJLYLXXRTGCBLJLYLXXRTG BBBBLYLXBBBBLYLX

BBBB.SABBBB.SA

44

Message МТ 202 that BANK А sends to Bank B

:20:DEMO1:21:NONREF:32A:060405LYD1000,:53A:/D/AAAA.SAAAAALYLX:58A:/BBBB.SABBBBLYLX:72:/CODTYPTR/001

55

RTS/X

Message

BANK А ACK/NAK

On receiving the message receiver preliminary processes an incoming message

and sends ACK/NAK

- АCK is sent to a sender if the preliminary processing is OK

- NAK is sent to a sender if error occurred during the preliminary processing

RTS/X

Message

BANK А ACK/NAK

66

BANK А BANK B

RTS/X

MT 202MT 202

MT

900MT 910

(1) (3)

(2) (4)

After receiving ACK message:1. Settlement account has enough funds for transaction

77

Message МТ 202 that RTS/X sends BANK B

Message МТ 900 that RTS/X sends BANK А Message МТ 910 that RTS/X sends BANK B

:20:91833616/900:21:DEMO1:25:AAAA.SA:32A:060405LYD1000,

:20:91833616/910:21:DEMO1:25:BBBB.SA:32A:060405LYD1000,:52A:/D/AAAA.SAAAAALYLX

:20:DEMO1:21:NONREF:32A:060405LYD1000,:53A:/D/AAAA.SAAAAALYLX:58A:/BBBB.SABBBBLYLX:72:/CODTYPTR/001

88

BANK А Central bank

2. Settlement account has no enough funds for transaction, and transfer with priority from 10 to 50 is putting in a queue

Messages standing in a queue executed as funds enter an account. The order of execution depends on transfer’s priority and time of transfer delivering during a business day.

MT 202

MT 296

99

Message МТ 296 that RTS/X sends BANK А as

reply that the original transfer is put in a queue

:20:S1833608/296:21:NONREF:76:STAT/0604051321+0000WAIT/0604051321+0000:77A:EP183Lack of funds:11R:2020604050001000220:20:DEMO2:32A:060405LYD30000000,:53A:/D/AAAA.SAAAAALYLX:58A:/CCCC.SACCCCLYLX:72:/CODTYPTR/001

:20:DEMO2:21:NONREF:32A:060405LYD30000000,:53A:/D/AAAA.SAAAAALYLX:58A:/CCCC.SACCCCLYLX:72:/CODTYPTR/001

МТ 202

1010

Message standing in a queue may be requested by BANK using МТ 295

a) Status of a message - STATb) Copy of a message - DUPLc) Change priority – PRTY

The message rejection (cancellation) is performed by МТ 292

As reply on request bank receives МТ296 message from Central bank

1111


MT 292

MT 296

1. Request to reject (cancel) previously sent message - МТ 292


MT 295

MT 296

2. Request on previously sent message - МТ 295

1313

By means of МТ 920 bank is able to do the following requests:

• request to get an account balance report

• request to get interim transaction report

as reply bank will receive the following messages:

• account balance report МТ 941

• interim transaction report МТ 942

MESSAGES МТ 920, МТ 941, МТ 942

1414

BANK А RTS/X

MT 920

MT 941

1. Request for account balance report МТ 920

Message МТ 920 that BANK А sends RTS/X

Message МТ 941 that RTS/X sends BANK A

:20:1229003/920:12:941:25:AAAA.SA

:20:R1833578/941:21:1229003/920:25:AAAA.SA:28:11/1:60F:C060405LYD3998000,:90D:3LYD14209,:90C:0LYD0,:62F:C060405LYD3983791,:64:C060405LYD3983791,

1515

BANK А RTS/X

MT 920

MT 942

2. Request for interim transaction report МТ 920

Message МТ 920 that BANK А sends RTS/X requests МТ 942 message that contains interim transaction report

:20:25712003/920:12:942:25:AAAA.SA:34F:LYD0,

:20:R1833617/942:21:25712003/920:25:AAAA.SA:28C:6/1:34F:LYD0,:13D:0604051656+0000:61:060405D234230,S202424234//1833594DDDD.SA CUSTOM REV:61:060405D1000,S202DEMO1//1833616BBBB.SA:90D:2LYD235230,:90C:0LYD0,

Message МТ 942 that RTS/X sends

BANK A

1616

BANK А RTS/X

MT 985

MT 986

Request on status of account that sends as message МТ 985,

а reply that sends as message МТ 986

Message МТ 985 that BANK А sends RTS/X

Message МТ 986 that RTS/X sends BANK А

:20:R1833618/986:21:18825004/985:59:/AAAA.SAAAAALYLX:79:STAT/0604051706+0000AA/OL/0,

:20:18825004/985:57A:CBLMLYDURTG:59:/AAAA.SAAAAALYLX:75:STAT

1717

Message МТ n99 represents free format message

RTS/X uses this message type for proprietary requests and replies

:20:R1830247/999:21:7868989:79:/TEXTMESSAGE/AAAALYLXAny text may be printed here

1818

Transaction type codesTransaction type codes

There are There are 22 22 transaction transaction type codes type codes in RTS/X in RTS/X (from 0 to (from 0 to 20 & 23) 20 & 23) now.now.

1919

Unsolicited replies:

During RTS/X participants receives messages,

automatically generated by a system with no request

RTS/XBANK AUnsolicited reply

2020

Start of the business day period:At the beginning of each exchange period

participants may receive notification about period starting

RTS/XBANK AMTn99

:20:R1833615/999:21:25627002/999:79:/BUSINESSDAYPERIOD//BUSINESSDAY/060405/PERIOD/Exchange Period

2121

Cancellation of payments:

At the end of business day payments for current business day that are not settled will be automatically cancelled by RTS/X.

The cancellation notifications will be sent during“Payment Cancellation” period.

RTS/XBANK A

MTn96/CANC

2222

MTn96/CANC – contains information about cancelled payment

:20:R1833458/296:21:R02109043839/292:76:CANC/0604051604+0000OK/0604051604+0000:11R:2020604050000000026:20:342342:32A:060405LYD2000000,:53A:/D/DDDDLYLXSADDDDLYLX:58A:/AAAA.SAAAAALYLX:72:/CODTYPTR/007

2323

Results of RTGS activity:

At the end of business day (Statement reports period) participants receive notifications

about the settlements made via RTS/X

Central bank

BANK AMT940

2424

MT940 – contains information about payments

(concerning participant) made via RTS/X

:20:S5414449/940:25:CCCC.SA:28C:2/1:60F:C060405LYD900,:61:060405D8570,S202R44310743652/202//1829746GLAccount:61:060405D1000,S202R77314315016/202//1829948GLAccount:61:060405D33,123S202R10392354801/202//1830343GLAccount:61:060405C4000,S202555//1829676BBBB.SA:61:060405C5670,S202567//1829697AAAA.SA:61:060405C1,S202P7//1829980DDDD.SA:61:060405C32,123S102SCBL/034//1830326AAAA.SA:62F:C060405LYD1000,

2525

Message МТ 103 – Single Customer Credit Transfer in RTS/X

Example

Customer А gives order to the Bank А to pay LYD 55678,00 the Bank B to account of Customer B


order МТ 103

Customer А

2626

Message МТ 103 that BANK А sends Central bank

1:F01BNKASESSXXXX4444666666

2:I103RIKSSESSXXXAU1003

3:{113:0015}

:20:494931/DEV

:23B:CRED

:23E:SDVA

:26T:001

:32A:030123SEK55678,

:50K:/305-14335-kk

COMPANY A

:53A:/D/908-305100-kk

BNKASESS

:57A:/C/908-210100-kk

BNKBSESS

:59:/210-12345-kk

COMPANY B

:70: SIF-133

PBZ-97123456ABC

PBO-97123AFG14

:71A:SHA

:72:/BNF/PAIEMENT POUR LE COMPTE

123AF14

2727

BANK А BANK B

Central bank

MT 103MT 103

CUSTOMER BCUSTOMER А

MT

900MT 910

MT1031. Settlement account has enough funds for transaction

(1) (3)

(2) (4)

2828

Message МТ 103 that Central bank sends to BANK B

1:F01RIKSSESSXXXA3333555555

2:I103BNKBSESSAXXXU1003

3:{113:0015}

:20:494931/DEV

:23B:CRED

:23E:SDVA

:26T:001

:32A:030123SEK55678,

:50K:/305-14335-kk

COMPANY A

:53A:/D/908-305100-kk

BNKASESS

:57A:/C/908-210100-kk

BNKBSESS

:59K:/210-12345-kk

COMPANY B

:70: SIF-133

PBZ-97123456ABC

PBO-97123AFG14

:71A:SHA

:72:/BNF/PAIEMENT POUR LE

COMPTE 123AF14

Message МТ 900 that Central bank sends to BANK А

1:F01RIKSESSXXXA4444666666

2:I900BNKASESSXXXXU1003

:20:676767CD

:21:494931/DEV

:25:908-305100-kk

:32A:030123SEK55678,

:52A:BNKASESS

Message МТ 910 that Central bank sends to BANK B


2:I910BNKBSESSXXXU1003

:20:676767CD

:21:494931/DEV

:25:908-210100-kk

:32A:030123SEK55678,

:52A:BNKASESS

2929


CUSTOMER А

2. Settlement account has no enough funds for transaction, message with some priority (e.g. from 11 to 49) is standing in a queue, message with other priorities (e.g. from 50 to 99) is to be rejected

order

Messages standing in a queue executed as funds enter an account. The order of execution depends on messages priority and time of message delivering during business day. In the end of business days non-executed transactions are rejected.

MT 103

MT 196

3030

Message МТ 196 that Central bank sends BANK А that message is put in a queue



:20:987654ST

:21:494931/DEV

:76:STAT/0306231642+0000

WAIT/0306231642+0000

:77A:EP183

LACK OF FUNDS

:11R:103

030123

1001000019

:113:0015

:20:494931/DEV

:32A:030123SEK55678,

:53A:/D/908-305100-kk

BNKASESS

:57A:/C/908-210100-kk

BNKBSESS

3131

While message is standing in a queue, bank is able to send the following requests:

1. Request to reject (cancel) previously sent message - МТ 192

2. Request on previously sent message - МТ 195

a) Status of a message - STAT

b) Copy of a message - DUPL

c) Change priority - PRTY

as reply on requests of bank Central bank sends message МТ 196

3232


MT 192

MT 196

1. Request to reject a previously issued message - МТ 192

3333

Message МТ 192 that BANK А sends Central bank

1:F01BNKASESSXXXX4444666666

2:I192RIKSSESSXXXAU1003

:20:23191

:21:494931/DEV

:11S:103

030123

4444666666

Message МТ 196 that Central bank sends BANK А

as reply to message МТ 192



:20:987654ST

:21:23191

:76:STAT/0306231642+0000

CANC/0306231642+0000

:77A:MESSAGE REJECTED

:11R:192

030123

3434


MT 195

MT 196

2. Request of status of issued message - МТ 195

3535

Message МТ 195 that BANK А

sends to Central bank

1:F01ABCDSNDAXXXX4444666666

2:I195BCAONENIXXXAU1003

:20:23191

:21:494931/DEV

:75:STAT

:11S:103

030123

4444666666

МТ 195 и МТ 196 contains references to the fields in МТ 103

Message МТ 196 that Central bank sends to BANK А

as reply to message МТ 195

1:F01BCAONENIXXXA4444666666

2:I196ABCDSNDAXXXXU1003

:20:987654ST

:21:23191

:76:STAT/0306231642+0000

WAIT/0306231642+0000

:77A:EN FILE D’ATTENTE

:11R:103

030123

3636

BANK А

MT 103

CUSTOMER А

order

3. Settlement account has no enough funds for transaction, and message with priorities from 50 to 99 is to be rejected

Central bankMT 196

3737

Message МТ 196 that Central bank sends BANK А as reply that is Message

cancellation



:20:987654ST

:21:494931/DEV

:76:STAT/0306231642+0000

CANC/0306231642+0000

:77A:MESSAGE IS REJECTED

:11R:103

3838

Central bank

MT 102

BANK А

MT102

Batch of payment instructions

3939

Gridlock exampleGridlock example0

100

100

200

100

100

600

400

300

250

150

9002001000

BBBB

DDDD

FFFF

EEEE

AAAA CCCC350

4040

RTS/X CONNECTION SCHEMES OF PARTICIPANT SITES

CMA Small Systems AB

Connection types (Participant site)Connection types (Participant site)

SWIFT networkSWIFT network

Using S.W.I.F.T. terminalUsing S.W.I.F.T. terminal

Using RTS/X Participant’s workplacesUsing RTS/X Participant’s workplaces

Private networkPrivate network

Using RTS/X adapter (based on file Using RTS/X adapter (based on file exchange)exchange)

Using RTS/X Participant’s workplacesUsing RTS/X Participant’s workplaces

Using TMS/X stand-alone solutionUsing TMS/X stand-alone solution

Using RCCC componentUsing RCCC component

MonitoringMonitoring

Using WEB-monitoring workplaceUsing WEB-monitoring workplace

Using standard message setUsing standard message set

4242

Client Applications

FILE adapter (*)

• S.W.I.F.T. Message validation

• crypto operations, digital signature

API (*)

Participant workplaces (Operator Workplace,

Controller Workplace)

S.W:I.F.T. Terminal

XML – internal message exchange language

4343

Is based on SWIFT terminal Is based on SWIFT terminal software installed at Participant software installed at Participant

site.site.

SWIFT networkSWIFT network

4444

Participant’s software: Participant’s software: Interaction via SWIFTInteraction via SWIFT

Participant'sOperator

Workplaces

FormatValidator

SimpleChecker,1st signature

(optional)

RCCC

RTS/X file

API

to RTS/XCentral

node

2nd signature(optional)

Participant'sInhouseSoftware

LocalDatabase(Oracle,MDB, MS

SQL Server)

S.W.I.F.T.adapter

File adapter

Internet

WEB MonitoringWorkplace

TCP/IP

S.W.I.F.T.Terminal


SWIFT network

Private network

Participant'sControllerWorkplace

S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat

XMLformat

4545

Using RTS/X adapterUsing RTS/X adapter

Format Validator – Offline message validationFormat Validator – Offline message validation

Simple Checker – Message validation and Simple Checker – Message validation and preparationpreparation

RTS/X AdapterRTS/X Adapter

4646

Connection via RTS/X adapterConnection via RTS/X adapter


Workplaces

Participant'sController

Workplaces

FormatValidator


(optional)

RCCC

RTS/X file

API

to RTS/XCentral

node

S.W.I.F.T.Terminal





SQL Server)

S.W.I.F.T.adapter

File adapter

Internet


TCP/IP

S.W.I.F.T. Network

Private Network(Unprotected area)

S.W.I.F.T.,MME/XML

format


XMLformat

S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat

4747

Using File AdapterUsing File Adapter


Workplaces


FormatValidator


(optional)

RCCC

RTS/X file

API

to RTS/XCentral

node

S.W.I.F.T.Terminal


S.W.I.F.T.,MME/XML

format

S.W.I.F.T.format




SQL Server)


S.W.I.F.T. Network

S.W.I.F.T.adapter

File adapter

Internet


TCP/IP


XMLformat

XMLformat

4848

Using SimpleChecker Using SimpleChecker and File Adapterand File Adapter


(optional)

RTS/X fileto RTS/X

Centralnode

File adapter

Intermediate folder

Input folder


SWIFT or XML-messagewith no signature

SWIFT or XML-messagewith no signature

XML-message with the 1st signature

XML-messagewith the 1st signature

XML-message with the 1st

and 2nd signatures

Output folder

XML-message with one signature

SWIFT or XML-message with no signature

SWIFT or XML-message with no signature


4949

RTS/X Workplaces RTS/X Workplaces (Participant’s site)(Participant’s site)

Controller workplaceController workplaceOperator workplaceOperator workplace

Main purposes areMain purposes are::For “transactional” message exchange (incl. payment For “transactional” message exchange (incl. payment instructions) instructions)

These workplaces require local database installed on These workplaces require local database installed on Participant siteParticipant site

As a rule, several Operators may prepare instructions for As a rule, several Operators may prepare instructions for ControllerController

A number of Controller workplaces depends on a daily trafficA number of Controller workplaces depends on a daily traffic

5050

RTS/X Workplaces RTS/X Workplaces (Participant’s site)(Participant’s site)

Four-step authorization scheme:Four-step authorization scheme:

Payment instruction (Operator workplace)Payment instruction (Operator workplace)

Double-enter of mandatory fields Double-enter of mandatory fields (Operator (Operator workplace, optional)workplace, optional)

First verification First verification (Operator workplace, optional)(Operator workplace, optional)

Final verification and sending to Central node Final verification and sending to Central node (Controller workplace)(Controller workplace)

5151

The connection scheme via RTS/X The connection scheme via RTS/X workplacesworkplaces


Workplaces

Participant'sController

Workplaces

FormatValidator

RCCC

RTS/X -S.W.I.F.T.Adapter

RTS/X file

API

to RTS/XCentral

node

S.W.I.F.T.Terminal


MQSA, CasMf, AFT



LocalDatabase(Oracle,

MS Access)


S.W.I.F.T. Network

S.W.I.F.T.adapter

File adapter

Internet

WEBMonitoringWorkplace

TCP/IP


(optional)


S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat

XMLformat

5252

Order 2. 200 LYD

Input of Payments Input of Payments using Operator Workplaceusing Operator Workplace

Order 1. 100 LYD

Table of created payments

Order 3. Payment for

300 LYD


200 LYD


100 LYD Order 3. 300 LYD

Operator Workplace

Local database

5353

Verification and sendingVerification and sending

Controller Workplace

Order 2. 200 LYDOrder 3. 300 LYD

MT103100 LYD

MT202. 200 LYD

Local database

Table of created payments

Table of returned payments

Order 1. 100 LYD

Order 2. 200 LYD

Order 3. 300 LYD

S.W.I.F.T.or privatenetwork

Order 1. 100 LYD


5454

RTS/X

Receiving messages from participantsReceiving messages from participantsand their processingand their processing

MT103100 LYDMT202.

200 LYD


MT…

MT…

MT…

Bank C

Bank B

Bank A

5555

Receiving of paymentsReceiving of payments


MT103600 LYD

Local database

Table of received payments

MT103. 600 LYD

MT103. 600 LYD


MT202700 LYD

MT202. 700 LYD

MT202. 700 LYDController Workplace

5656

Participant’s in-house software interaction Participant’s in-house software interaction via exchange foldersvia exchange folders


Workplaces


FormatValidator


(optional)

RCCC

RTS/X file

to RTS/XCentral

node

S.W.I.F.T.Terminal


MQSA,CasMf, AFT




SQL Server)

S.W.I.F.T. Network

S.W.I.F.T.adapter

File adapter

Internet


TCP/IP

RCCCAPI



SQL Server)

S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat

XMLformat

5757

Output folderInput folder

Data exchange via foldersData exchange via folders

ControllerWorkplace to RTS/X

Centralnode

Participant'sInhouse

Software (external

bank application)


MS Access)

XML-messageto RTS/X

XML-messageto RTS/X

XML-messagefrom RTS/X


XML-messageto RTS/X


5858

Participant’s in-house software interaction Participant’s in-house software interaction via Local databasevia Local database


Workplaces


FormatValidator


(optional)

RCCC

RTS/X file

to RTS/XCentral

node

S.W.I.F.T.Terminal


MQSA,CasMf, AFT

S.W.I.F.T.format




SQL Server)

S.W.I.F.T. Network

S.W.I.F.T.adapter

File adapter

Internet


TCP/IP

RCCCAPI



SQL Server)

S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat

XMLformat

5959

Integration with participant Integration with participant software via local databasesoftware via local database

ControllerWorkplace

RCCCAPI

to RTS/XCentral

node



Software (external

bank application)


MS Access)

6060

Interaction with bank application Interaction with bank application via local database via local database

Local Database

OUTPUT_MESSAGES

INPUT_MESSAGES


Software (external

bank application)

RTS/XCentral

node

XML-message

XML-messageSQL

SQL


6161

Using of APIUsing of API

RCCC as a COM-componentRCCC as a COM-component

MS Visual StudioMS Visual Studio

MS Visual basicMS Visual basic

6262

Participant’s in-house software Participant’s in-house software interaction via APIinteraction via API


Workplaces

FormatValidator


(optional)

RCCC

RTS/X file

to RTS/XCentral

node

S.W.I.F.T.Terminal


MQSA,CasMf, AFT

S.W.I.F.T.format




MS Access)

S.W.I.F.T. Network

S.W.I.F.T.adapter

File adapter

Internet


TCP/IP

RCCCAPI



S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat


XMLformat

6363

The “back-up” alternative schemeThe “back-up” alternative scheme


Workplaces


FormatValidator


(optional)

RCCC

RTS/X file

API

to RTS/XCentral

node

S.W.I.F.T.Terminal





MS Access)


S.W.I.F.T. Network

S.W.I.F.T.adapter

File Adapter

Internet


TCP/IP

S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat

XMLformat

6464

Service bureauService bureau

Operator Workplace

MT202, MT103 with 1st signature

Bank

Service Bureau

to RTS/XCentral

node

XML-messagewith 2 signatures

to RTS/X

XML-messagewith 1 signature

from RTS/X

Replies fromRTS/X with 1 signature

6565

WEB-monitoring workplaceWEB-monitoring workplace

Web-Monitoring workplace (only IE v.5 or upper is Web-Monitoring workplace (only IE v.5 or upper is required)required)Based on Web-services and J2EE standardsBased on Web-services and J2EE standards

Monitoring of:Monitoring of:Payment instructions (queued, settled, rejected)Payment instructions (queued, settled, rejected)Payment detailsPayment detailsAccount summary (account balance, account status, Account summary (account balance, account status, etc.)etc.)Queue summary (Sum of queued debit instructions, Queue summary (Sum of queued debit instructions, sum of queued credit instructions)sum of queued credit instructions)Business day scheduleBusiness day schedule

6666

Web-monitoringWeb-monitoring


Workplaces


FormatValidator


(optional)

RCCC

RTS/X file

API

to RTS/XCentral

node

S.W.I.F.T.Terminal





SQL Server)


S.W.I.F.T. Network

S.W.I.F.T.adapter

File adapter

Internet


TCP/IP

S.W.I.F.T.format

S.W.I.F.T.,MME/XML

format


XMLformat

XMLformat

6767

Web-monitoring Workplace screen Web-monitoring Workplace screen (example)(example)

6868

Web-monitoring Workplace screens Web-monitoring Workplace screens (examples)(examples)

1_2_1 RTSX Message Processing

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Transcript of 1_2_1 RTSX Message Processing