Interactive Financial Exchange

Version 1.7Business Message Specification

2000, 2001, 2002, 2003, 2004, 2005 IFX Forum, Inc. All rights reserved.

Interactive Financial Exchange Business Message Specification

DisclaimerThe IFX Forum makes no warranties whatsoever with respect to the contents of this specification. Without limitation, the IFX Forum makes no warranty (i) that the information contained in the specification is accurate, error-free or describes a practically realizable product or service, or (ii) that the product or service described in the specification can be produced or provided without infringing third-party rights or violating applicable laws or regulations. RESERVATION OF RIGHTS: The contents of this specification are protected by copyright and other intellectual property laws. The IFX Forum expressly reserves all rights in such content.

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Interactive Financial Exchange Business Message Specification

Table of Contents1 OVERVIEW.................................................................................................................................11.1 INTRODUCTION..................................................................................................................................................1 1.1.1 The IFX Business Message Specification..............................................................................................1 1.1.2 IFX Implementation Specifications.......................................................................................................1 1.2 DESIGN PRINCIPLES...........................................................................................................................................1 1.3 BENEFITS TO FINANCIAL INSTITUTIONS AND SERVICE PROVIDERS.............................................................................3 1.4 BENEFITS TO CONSUMERS AND BUSINESSES...........................................................................................................3

2 STRUCTURE...............................................................................................................................12.1 DEFINITIONS.....................................................................................................................................................1 2.1.1 Biller......................................................................................................................................................1 2.1.2 Biller Payment Provider (BPP).............................................................................................................1 2.1.3 Biller Service Provider (BSP)...............................................................................................................1 2.1.4 Client.....................................................................................................................................................1 2.1.5 Customer................................................................................................................................................1 2.1.6 Customer Payment Provider (CPP)......................................................................................................1 2.1.7 Customer Service Provider (CSP).........................................................................................................1 2.1.8 Financial Institution (FI).......................................................................................................................1 2.1.9 Provider.................................................................................................................................................2 2.1.10 Server...................................................................................................................................................2 2.1.11 Service.................................................................................................................................................2 2.1.12 Service Provider (SP)..........................................................................................................................2 2.1.13 May, Should, and Must........................................................................................................................2 2.2 DOCUMENTATION CONVENTIONS..........................................................................................................................3 2.3 DATA TYPES....................................................................................................................................................5 2.3.1 Character...............................................................................................................................................5 2.3.2 Narrow Character.................................................................................................................................5 2.3.3 Binary....................................................................................................................................................5 2.3.4 Boolean..................................................................................................................................................6 2.3.5 YrMon, Date, Time, DateTime, and Timestamp....................................................................................6 2.3.6 Phone Number.....................................................................................................................................10 2.3.7 Decimal................................................................................................................................................10 2.3.8 Long.....................................................................................................................................................11 2.3.9 Currency Amount.................................................................................................................................11 2.3.10 Enum..................................................................................................................................................12 2.3.11 Identifier............................................................................................................................................12 2.3.12 Universally Unique Identifier (UUID)..............................................................................................12 2.3.13 URL....................................................................................................................................................13 2.3.14 HexBin...............................................................................................................................................13 2.4 BUILDING BLOCKS...........................................................................................................................................13 2.4.1 Element................................................................................................................................................14 2.4.2 Aggregate............................................................................................................................................14 2.4.3 Message...............................................................................................................................................14 2.4.4 Service.................................................................................................................................................21 2.4.5 Document.............................................................................................................................................22 2.4.6 Order...................................................................................................................................................23 2.5 NAMING CONVENTION.....................................................................................................................................23 2.5.1 Rules for Naming in the IFX Specification..........................................................................................23 2.6 INTERNATIONAL SUPPORT.................................................................................................................................24 2.6.1 Country Codes.....................................................................................................................................24 2.6.2 Character Sets.....................................................................................................................................24 2.6.3 Reporting Foreign Exchange Transactions.........................................................................................24

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Interactive Financial Exchange Business Message Specification 2.6.4 Languages and Dialects......................................................................................................................25 2.6.5 Times and Time Zones.........................................................................................................................25 2.6.6 Country-Specific Tags.........................................................................................................................25 2.7 VERSIONING AND SPECIFICATION EVOLUTION......................................................................................................25 2.7.1 Extension and Customization..............................................................................................................25 2.7.2 Mandatory and Optional Elements.....................................................................................................26

3 COMMON ELEMENTS AND AGGREGATES.........................................................................................13.1 COMMON ELEMENTS..........................................................................................................................................1 3.1.1 Edit Masks ............................................................................................................................................1 3.1.2 Customer Identifiers..............................................................................................................................2 3.1.3 Request Identifier .................................................................................................................2 3.1.4 Service Provider Reference Identifiers..................................................................................................2 3.1.5 Service Provider Name ......................................................................................................3 3.1.6 Organization .............................................................................................................................3 3.1.7 Token .....................................................................................................................................3 3.1.8 Reversal Reason Code ..........................................................................................4 3.2 COMMON AGGREGATES......................................................................................................................................4 3.2.1 Message Headers...................................................................................................................................4 3.2.2 Europay, MasterCard, Visa (EMV) Data..............................................................................................5 3.2.3 Customer Data.....................................................................................................................................14 3.2.4 Person Data.........................................................................................................................................19 3.2.5 Organization Data...............................................................................................................................22 3.2.6 Biller Data...........................................................................................................................................23 3.2.7 Account Data.......................................................................................................................................24 3.2.8 Account Balances................................................................................................................................32 3.2.9 Term Data............................................................................................................................................34 3.2.10 Selection Criteria...............................................................................................................................35 3.2.11 Recurring Model Data.......................................................................................................................36 3.2.12 System Message Data........................................................................................................................37 3.2.13 Industry Identifier Aggregate ........................................................................................41 3.2.14 Secrets Aggregates............................................................................................................................41 3.2.15 Payment Instrument Aggregate ......................................................................................42 3.2.16 Fees and Amounts..............................................................................................................................44 3.2.17 Reference Information .....................................................................................................47 3.2.18 Network Transaction Information Aggregate ..................................................47 3.2.19 Identifier Characteristics Data Aggregate .................................................48 3.2.20 Point of Service Security Aggregate .......................................................................49 3.2.21 Point of Service Capabilities Aggregate ..........................................................50 3.2.22 Point of Service Agent Aggregate ..............................................................................50 3.2.23 Point of Service Data Aggregate ................................................................51 3.2.24 Card Logical Data Aggregate ........................................................................51 3.2.25 Passport.............................................................................................................................................52 3.2.26 Passbook Acceptance Data ...........................................................................53 3.2.27 Personal Identification .........................................................................................53 3.2.28 GovIssueIdent....................................................................................................................................54 3.2.29 EmploymentData...............................................................................................................................54 3.2.30 EmployeeIdent...................................................................................................................................55 3.2.31 OtherIdentDoc..................................................................................................................................55

4 SECURITY..................................................................................................................................14.1 CHANNEL LEVEL SECURITY VS. APPLICATION LEVEL SECURITY...............................................................................1 4.2 APPLICATION LEVEL SECURITY IN THE IFX SPECIFICATION.....................................................................................1 4.3 SECURITY COMMON ELEMENTS AND AGGREGATES.................................................................................................1 4.3.1 Customer Password Aggregate .......................................................................................1 4.3.2 Signon Password Aggregate .......................................................................................2

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Interactive Financial Exchange Business Message Specification 4.3.3 Signon Certificate Aggregate ........................................................................................2 4.3.4 Signon Transport Aggregate ................................................................................2 4.3.5 Signon Magnetic Stripe/PIN Aggregate .................................................................3 4.3.6 Session Key ........................................................................................................................3 4.4 AUTHENTICATION..............................................................................................................................................4 4.4.1 Description............................................................................................................................................4 4.4.2 Signon....................................................................................................................................................4 4.4.3 Signoff....................................................................................................................................................7

5 THE BASE SERVICE .................................................................................................15.1 BASE SERVICE MESSAGE SUMMARY....................................................................................................................1 5.2 BASE SERVICE COMMON ELEMENTS AND AGGREGATES..........................................................................................5 5.2.1 Service Profile Common Elements........................................................................................................5 5.2.2 Service Profile Common Aggregates.....................................................................................................6 5.2.3 Customer Profile Common Aggregates.................................................................................................8 5.2.4 Party Account Relationship Info .......................................................................14 5.2.5 Card Preference Record Aggregate .........................................................................16 5.2.6 Card Preference Status Aggregate .......................................................................17 5.2.7 Card Preference Information Aggregate .................................................................17 5.2.8 Card Preference Aggregate ...........................................................................................17 5.2.9 Card Preference Withdrawal Aggregate ...............................................................17 5.2.10 Card Preference Withdrawal Aggregate ..................................................18 5.2.11 Card Preference Deposit Aggregate ...............................................................18 5.2.12 Card Preference Message Request Information Aggregate .......................19 5.2.13 Card Preference Message Record Aggregate .................................................19 5.2.14 Posting Session Record Aggregate ...............................................................20 5.2.15 Session Totals Record Aggregate ...................................................................21 5.3 SERVICE PROFILE............................................................................................................................................22 5.3.1 Description..........................................................................................................................................22 5.3.2 Service Profile Inquiry Message.........................................................................................................22 5.3.3 Holiday Inquiry Message....................................................................................................................24 5.4 CUSTOMER PROFILE.........................................................................................................................................25 5.4.1 Description..........................................................................................................................................25 5.4.2 Customer..............................................................................................................................................28 5.4.3 Customer/Service Link.........................................................................................................................44 5.4.4 Service/Account Link...........................................................................................................................53 5.4.5 Disclosure............................................................................................................................................70 5.4.6 Customer/Disclosure Link...................................................................................................................71 5.5 SECURITY OBJECT...........................................................................................................................................74 5.5.1 Security Object Add.............................................................................................................................74 5.5.2 Security Object Modify........................................................................................................................75 5.5.3 Security Object Inquiry........................................................................................................................76 5.5.4 Security Object Delete.........................................................................................................................77 5.5.5 Security Object Advise.........................................................................................................................78 5.5.6 Security Object Sync............................................................................................................................79 5.6 PARTY TO ACCOUNT RELATIONSHIP ..................................................................................................................80 5.6.1 Party to Account Relationship Add.....................................................................................................80 5.6.2 Party to Account Relationship Delete.................................................................................................82 5.6.3 Party to Account Relationship Inquiry................................................................................................83 5.6.4 Party to Account Relationship Modify................................................................................................85 5.7 EMV CARD OBJECT.......................................................................................................................................87 5.7.1 EMV Card Record Aggregate .................................................................................87 5.7.2 EMV Card Info Aggregate .....................................................................................87 5.7.3 EMV Card Advice Request ............................................................................87 5.7.4 EMV Card Advise Response ..........................................................................88 5.8 CARD PREFERENCE..........................................................................................................................................88

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Interactive Financial Exchange Business Message Specification 5.8.1 Card Preference Add Message............................................................................................................88 5.8.2 Card Preference Modify Message.......................................................................................................89 5.8.3 Card Preference Inquiry Message.......................................................................................................91 5.8.4 Card Preference Delete Message........................................................................................................93 5.8.5 Card Preference Audit Message..........................................................................................................94 5.8.6 Card Preference Sync Message...........................................................................................................95 5.8.7 Card Preference Reversal Message....................................................................................................97 5.8.8 Card Preference Status Modify Message............................................................................................99 5.9 POSTING SESSION..........................................................................................................................................100 5.9.2 Posting Session Add..........................................................................................................................101 5.9.3 Posting Session Modify......................................................................................................................102 5.9.4 Posting Session Inquiry.....................................................................................................................104 5.9.5 Posting Session Audit........................................................................................................................105 5.9.6 Posting Session Status Modify...........................................................................................................107 5.9.7 Session Totals Inquiry.......................................................................................................................108 5.10 BASE SERVICE PROFILE ...............................................................................................110 5.10.1 Signon Information Aggregate ................................................................................111 5.10.2 Enroll Profile Aggregate .........................................................................................111

6 THE BANKING SERVICE ...........................................................................................16.1 DESCRIPTION....................................................................................................................................................1 6.1.1 Accounts................................................................................................................................................1 6.1.2 Client-Initiated Actions.........................................................................................................................1 6.2 BANKING SERVICE MESSAGE SUMMARY...............................................................................................................2 6.3 BANKING SERVICE COMMON AGGREGATES.........................................................................................................14 6.3.1 Bank Service Checksum Record Aggregate .................................................14 6.3.2 Credit Record Aggregate ..............................................................................................15 6.3.3 Credit Status Aggregate ............................................................................................16 6.3.4 Credit Media Item Aggregate ............................................................................16 6.3.5 Credit Media Cash Information Aggregate ...............................................16 6.3.6 Credit Media Check Information Aggregate ...............................................17 6.3.7 Deposit Account Record Aggregate ..........................................................................17 6.3.8 Credit Card Account Record Aggregate ....................................................................18 6.3.9 Common Loan and LOC Account Aggregate ..................................................18 6.3.10 Loan Account Record Aggregate ...........................................................................18 6.3.11 Line of Credit Account Record Aggregate .............................................................19 6.3.12 Mortgage Account Record Aggregate ...................................................................19 6.3.13 Bank Account Transaction Record Aggregate .................................................19 6.3.14 Deposit Account Transaction Record Aggregate ..............................................21 6.3.15 Credit Card Account Transaction Record Aggregate ........................................23 6.3.16 Selection Range Check Number Aggregate ................................................................23 6.3.17 Stop Check Record Aggregate .................................................................................23 6.3.18 Foreign Exchange Rate Information Aggregate .................................................24 6.3.19 Transfer Record Aggregate ............................................................................................25 6.3.20 Check Order Record Aggregate ...............................................................................27 6.3.21 Recurring Check Order Record Aggregate ........................................................29 6.3.22 Check Order Detail Aggregate ............................................................................30 6.3.23 Deposit Book Order Record Aggregate ...............................................................31 6.3.24 Transfer Profile Aggregate ...........................................................................................32 6.3.25 Debit Record Aggregate ...............................................................................................33 6.3.26 Debit Authorization Record Aggregate ................................................................33 6.3.27 Debit Information Aggregate .......................................................................................35 6.3.28 Credit Authorization Record Aggregate .............................................................36 6.3.29 Credit Information Aggregate ....................................................................................37 6.3.30 Deposit Application Information Aggregate ...........................................................39 6.3.31 Deposit Application Record Aggregate ...................................................................40

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Interactive Financial Exchange Business Message Specification 6.3.32 Payment Enclosed Information Aggregate .............................................................41 6.3.33 Deposit Account Statement Record ..................................................................43 6.3.34 Check Issue Information Aggregate .......................................................................44 6.3.35 Check Accept Record Aggregate .........................................................................46 6.3.36 Check Accept Image Aggregate ....................................................................................47 6.3.37 Check Detail Aggregate ..............................................................................................48 6.3.38 Selection Range Check Number Aggregate ...................................................48 6.3.39 Base Environment Aggregate ......................................................................................49 6.3.40 Passbook Record Aggregate ......................................................................................49 6.3.41 Passbook Item Record Aggregate .......................................................................51 6.3.42 Transaction Count Limit Aggregate ...................................................................53 6.4 STATEMENT AND ACCOUNT INQUIRY..................................................................................................................54 6.4.1 Balance Inquiry...................................................................................................................................54 6.4.2 Balance Reversal.................................................................................................................................55 6.4.3 Account Inquiry...................................................................................................................................57 6.4.4 Account Reversal.................................................................................................................................59 6.4.5 Deposit Account Statement Inquiry.....................................................................................................60 6.4.6 Deposit Account Statement Reversal...................................................................................................63 6.4.7 Deposit Account Statement Advise......................................................................................................64 6.4.8 Credit Card Statement Inquiry............................................................................................................65 6.4.9 Credit Card Statement Inquiry Reversal ............................................................................................68 6.4.10 Deposit Account Transaction Inquiry...............................................................................................69 6.4.11 Deposit Account Transaction Advise.................................................................................................72 6.4.12 Deposit Account Transaction Reversal.............................................................................................73 6.4.13 Credit Card Account Transaction Inquiry........................................................................................75 6.4.14 Credit Card Account Transaction Reversal......................................................................................77 6.4.15 Bank Account Transaction Image Inquiry.........................................................................................78 6.4.16 Bank Account Transaction Image Reversal......................................................................................82 6.4.17 Interest Rate Inquiry..........................................................................................................................83 6.4.18 Interest Rate Inquiry Reversal...........................................................................................................85 6.4.19 Bank Account Taxation Inquiry.........................................................................................................86 6.4.20 Foreign Exchange Rate Inquiry........................................................................................................88 6.4.21 Foreign Exchange Rate Reversal......................................................................................................92 6.5 FOREIGN EXCHANGE DEAL ELEMENTS..............................................................................................................93 6.5.1 Foreign Exchange Deal Record Aggregate .........................................................93 6.5.2 Foreign Exchange Deal Add..............................................................................................................95 6.5.3 Foreign Exchange Deal Modify..........................................................................................................96 6.5.4 Foreign Exchange Deal Inquiry..........................................................................................................97 6.5.5 Foreign Exchange Deal Cancel.........................................................................................................99 6.5.6 Foreign Exchange Deal Audit...........................................................................................................100 6.5.7 Foreign Exchange Deal Sync............................................................................................................102 6.5.8 Foreign Exchange Deal Reversal....................................................................................................104 6.5.9 Foreign Exchange Deal Status Modify.............................................................................................106 6.5.10 Foreign Exchange Deal Status Inquiry...........................................................................................107 6.5.11 Foreign Exchange Deal Advise.......................................................................................................109 6.6 STOP CHECK................................................................................................................................................110 6.6.1 Stop Check Add..................................................................................................................................110 6.6.2 Stop Check Cancel.............................................................................................................................112 6.6.3 Stop Check Inquiry............................................................................................................................113 6.6.4 Stop Check Audit...............................................................................................................................116 6.6.5 Stop Check Sync................................................................................................................................118 6.6.6 Stop Check Advise.............................................................................................................................119 6.6.7 Stop Check Reversal..........................................................................................................................120 6.7 FUNDS TRANSFER..........................................................................................................................................122 6.7.1 Funds Transfer Add...........................................................................................................................122 6.7.2 Funds Transfer Modify......................................................................................................................123

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Interactive Financial Exchange Business Message Specification 6.7.3 Funds Transfer Status Modify...........................................................................................................125 6.7.4 Funds Transfer Cancel......................................................................................................................126 6.7.5 Funds Transfer Inquiry......................................................................................................................128 6.7.6 Funds Transfer Audit.........................................................................................................................131 6.7.7 Funds Transfer Sync..........................................................................................................................133 6.7.8 Funds Transfer Advise.......................................................................................................................135 6.7.9 Funds Transfer Reversal...................................................................................................................136 6.8 RECURRING TRANSFER MODEL.......................................................................................................................138 6.8.1 Recurring Transfer Model Add.........................................................................................................138 6.8.2 Recurring Transfer Model Modify.....................................................................................................139 6.8.3 Recurring Transfer Model Cancel.....................................................................................................141 6.8.4 Recurring Transfer Model Inquiry....................................................................................................142 6.8.5 Recurring Transfer Model Audit.......................................................................................................144 6.8.6 Recurring Transfer Model Sync........................................................................................................146 6.8.7 Recurring Transfer Reversal.............................................................................................................148 6.9 CUSTOMER COMMUNICATIONS.........................................................................................................................150 6.9.1 Check Order......................................................................................................................................150 6.9.2 Recurring Check Order.....................................................................................................................162 6.9.3 Deposit Book Order Add...................................................................................................................173 6.9.4 Deposit Book Order Add...................................................................................................................175 6.9.5 Deposit Book Order Reversal............................................................................................................176 6.10 DEBIT AND CREDIT......................................................................................................................................177 6.10.1 Debit Messages................................................................................................................................177 6.10.2 Credit Messages..............................................................................................................................204 6.11 DEPOSIT APPLICATION.................................................................................................................................232 6.11.1 Deposit Application Add..................................................................................................................232 6.11.2 Deposit Application Modification...................................................................................................233 6.11.3 Deposit Application Cancel.............................................................................................................235 6.11.4 Deposit Application Inquiry............................................................................................................236 6.11.5 Deposit Application Audit...............................................................................................................237 6.11.7 Deposit Application Sync................................................................................................................239 6.12 BANK ACCOUNT STATEMENT IMAGE INQUIRY.................................................................................................241 6.12.2 Bank Account Statement Image Reversal........................................................................................244 6.13 PAYMENT ENCLOSED...................................................................................................................................245 6.13.1 Payment Enclosed Add ...................................................................................................................245 6.13.2 Payment Enclosed Modify...............................................................................................................247 6.13.3 Payment Enclosed Inquiry...............................................................................................................248 6.13.4 Payment Enclosed Cancel...............................................................................................................250 6.13.5 Payment Enclosed Audit..................................................................................................................251 6.13.6 Payment Enclosed Status Modify....................................................................................................253 6.13.7 Payment Enclosed Advise................................................................................................................255 6.13.8 Payment Enclosed Reversal............................................................................................................256 6.14 CHECK ISSUE .............................................................................................................................................258 6.14.1 Check Issue Add..............................................................................................................................258 6.14.2 Check Issue Modification................................................................................................................260 6.14.3 Check Issue Status Modification.....................................................................................................261 6.14.4 Check Issue Delete..........................................................................................................................263 6.14.5 Check Issue Inquiry.........................................................................................................................264 6.14.6 Check Issue Audit............................................................................................................................267 6.14.7 Check Issue Sync.............................................................................................................................268 6.14.8 Check Issue Advise..........................................................................................................................270 6.15 BANK SERVICE CHECKSUM ..........................................................................................................................271 6.15.1 Bank Service Checksum Add...........................................................................................................271 6.15.2 Bank Service Checksum Modify......................................................................................................273 6.15.3 Bank Service Checksum Status Modify............................................................................................274 6.15.4 Bank Service Checksum Delete.......................................................................................................275

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Interactive Financial Exchange Business Message Specification 6.15.5 Bank Service Checksum Inquiry......................................................................................................277 6.15.6 Bank Service Checksum Audit.........................................................................................................278 6.15.7 Bank Service Checksum Synchronization........................................................................................280 6.16 CHECK ACCEPT ..........................................................................................................................................282 6.16.1 Check Accept Add............................................................................................................................282 6.16.2 Check Accept Modify.......................................................................................................................283 6.16.3 Check Accept Inquiry......................................................................................................................284 6.16.4 Check Accept Cancel.......................................................................................................................286 6.16.5 Check Accept Audit..........................................................................................................................287 6.16.6 Check Accept Sync...........................................................................................................................289 6.16.7 Check Accept Reversal....................................................................................................................291 6.16.8 Check Accept Status Modify............................................................................................................294 6.17 PASSBOOK..................................................................................................................................................295 6.17.1 Passbook Add..................................................................................................................................296 6.17.2 Passbook Modify.............................................................................................................................297 6.17.3 Passbook Inquiry.............................................................................................................................298 6.17.4 Passbook Delete..............................................................................................................................301 6.17.5 Passbook Audit................................................................................................................................302 6.17.6 Passbook Sync.................................................................................................................................304 6.17.7 Passbook Reversal...........................................................................................................................306 6.17.8 Passbook Status Modify...................................................................................................................309 6.17.9 Passbook Status Inquiry..................................................................................................................310 6.17.10 Passbook Item Add........................................................................................................................311 6.17.11 Passbook Item Modify...................................................................................................................312 6.17.12 Passbook Item Inquiry...................................................................................................................314 6.17.13 Passbook Item Delete....................................................................................................................316 6.17.14 Passbook Item Audit......................................................................................................................317 6.17.15 Passbook Item Sync.......................................................................................................................320 6.17.16 Passbook Item Reversal.................................................................................................................321 6.17.17 Passbook Item Status Modify.........................................................................................................324 6.17.18 Passbook Item Status Inquiry........................................................................................................325 6.18 BANKING SERVICE PROFILE ........................................................................................327 6.18.1 Stop Check Profile Aggregate ..............................................................................328 6.18.2 Interbank Transfer Profile Aggregate ....................................................................329 6.18.3 ACH Profile Aggregate .....................................................................................329

7 THE PAY SERVICE ......................................................................................................17.1 DESCRIPTION....................................................................................................................................................1 7.1.1 Payees....................................................................................................................................................1 7.1.2 Payments................................................................................................................................................3 7.2 PAY SERVICE MESSAGE SUMMARY......................................................................................................................7 7.3 PAY SERVICE COMMON AGGREGATES................................................................................................................12 7.3.1 Standard Payee Record ............................................................................................12 7.3.2 Customer Payee Record Aggregate .......................................................................12 7.3.3 Payment Record Aggregate ..............................................................................................15 7.3.4 Payment Remittance Information ...........................................................................17 7.3.5 Payment Authorization Record Aggregate ...............................................................20 7.3.6 Remittance Record Aggregate .......................................................................................21 7.3.7 Invoice Information Aggregate ...................................................................................27 7.3.8 Invoice Adjustment Aggregate .....................................................................................28 7.3.9 Invoice Line Item Aggregate ...............................................................................28 7.3.10 Checksum Record Aggregate ...................................................................................29 7.3.11 Comprehensible Remittance Statement Record Aggregate ........................30 7.3.12 Payment Status Record Aggregate .......................................................................32 7.3.13 Payment Acknowledgement Record Aggregate ........................................................32 7.3.14 pain.001.001.01 ................................................................................................33

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Interactive Financial Exchange Business Message Specification 7.3.15 pain.002.001.01 ................................................................................................34 7.3.16 pain.003.001.01 ................................................................................................34 7.3.17 pain.004.001.01 ................................................................................................34 7.3.18 PmtBatch Record Aggregate .................................................................................35 7.4 STANDARD PAYEE...........................................................................................................................................35 7.4.1 Standard Payee Inquiry.......................................................................................................................35 7.4.2 Standard Payee Reversal.....................................................................................................................38 7.5 CUSTOMER PAYEE...........................................................................................................................................39 7.5.1 Customer Payee Add...........................................................................................................................39 7.5.2 Customer Payee Modify......................................................................................................................40 7.5.3 Customer Payee Type Modify..............................................................................................................42 7.5.4 Customer Payee Delete.......................................................................................................................43 7.5.5 Customer Payee Inquiry......................................................................................................................45 7.5.6 Customer Payee Audit.........................................................................................................................47 7.5.7 Customer Payee Synchronization........................................................................................................49 7.6 SINGLE PAYMENT............................................................................................................................................50 7.6.1 Payment Add........................................................................................................................................50 7.6.2 Payment Modify...................................................................................................................................52 7.6.3 Payment Status Modify........................................................................................................................54 7.6.4 Payment Status Advise.........................................................................................................................55 7.6.5 Payment Cancel...................................................................................................................................56 7.6.6 Payment Inquiry..................................................................................................................................58 7.6.7 Payment Reversal................................................................................................................................63 7.6.8 Payment Status Inquiry........................................................................................................................64 7.6.9 Payment Audit.....................................................................................................................................68 7.6.10 Payment Synchronization..................................................................................................................70 7.7 PAYMENT AUTHORIZATION...............................................................................................................................72 7.7.1 Payment Authorization Add.................................................................................................................72 7.7.2 Payment Authorization Modify............................................................................................................73 7.7.3 Payment Authorization Cancel............................................................................................................74 7.7.4 Payment Authorization Inquiry...........................................................................................................76 7.7.5 Payment Authorization Audit..............................................................................................................77 7.7.6 Payment Authorization Synchronization.............................................................................................79 7.7.7 Payment Authorization Reversal.........................................................................................................81 7.8 REMITTANCE...................................................................................................................................................82 7.8.1 Remittance Add....................................................................................................................................82 7.8.2 Remittance Modify...............................................................................................................................84 7.8.3 Remittance Status Modify....................................................................................................................85 7.8.4 Remittance Delete................................................................................................................................87 7.8.5 Remittance Inquiry..............................................................................................................................88 7.8.6 Remittance Audit.................................................................................................................................89 7.8.7 Remittance Synchronization................................................................................................................91 7.8.8 Remittance Reversal............................................................................................................................93 7.9 RECURRING PAYMENT MODEL..........................................................................................................................95 7.9.1 Recurring Payment Model Add...........................................................................................................95 7.9.2 Recurring Payment Instance Add........................................................................................................96 7.9.3 Recurring Payment Model Modify......................................................................................................98 7.9.4 Recurring Payment Model Cancel......................................................................................................99 7.9.5 Recurring Payment Model Inquiry....................................................................................................101 7.9.6 Recurring Payment Model Audit.......................................................................................................104 7.9.7 Recurring Payment Model Sync........................................................................................................105 7.9.8 Recurring Payment Model Reversal..................................................................................................107 7.10 PAYMENT ACKNOWLEDGEMENT.....................................................................................................................109 7.10.1 Payment Acknowledgment Inquiry..................................................................................................110 7.10.2 Payment Acknowledgment Reversal................................................................................................111 7.10.3 Payment Acknowledgment Advise...................................................................................................113

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Interactive Financial Exchange Business Message Specification 7.11 BATCH CHECKSUM......................................................................................................................................114 7.11.1 Checksum Add.................................................................................................................................114 7.11.2 Checksum Modify............................................................................................................................115 7.11.3 Checksum Status Modify..................................................................................................................117 7.11.4 Checksum Delete.............................................................................................................................118 7.11.5 Checksum Inquiry............................................................................................................................119 7.11.6 Checksum Audit...............................................................................................................................121 7.11.7 Checksum Synchronization..............................................................................................................122 7.11.8 Checksum Advise.............................................................................................................................124 7.12 COMPREHENSIBLE REMITTANCE.....................................................................................................................125 7.12.1 Comprehensible Remittance Statement Add....................................................................................126 7.12.2 Comprehensible Remittance Statement Inquiry..............................................................................128 7.12.3 Comprehensible Remittance Statement Audit.................................................................................130 7.12.4 Comprehensible Remittance Statement Synchronization................................................................131 7.13 PAY SERVICE PROFILE ..................................................................................................133 7.13.1 Recurring Payment Profile Aggregate ..................................................................135 7.14 PAYMENT BATCH .......................................................................................................................................135 7.14.1 PmtBatch Add..................................................................................................................................135 7.14.2 PmtBatch Cancel.............................................................................................................................137 7.14.3 PmtBatch Status Inquiry..................................................................................................................138 7.14.4 PmtBatch Status Advise...................................................................................................................141

8 THE BILL PRESENTMENT SERVICE ..............................................................................18.1 DESCRIPTION....................................................................................................................................................1 8.1.1 Biller Inquiry.........................................................................................................................................1 8.1.2 Activate Bill Delivery............................................................................................................................2 8.1.3 Account Inquiry.....................................................................................................................................2 8.1.4 Bill Presentment....................................................................................................................................2 8.1.5 Bill Payment..........................................................................................................................................5 8.2 BILL PRESENTMENT SERVICE MESSAGE SUMMARY................................................................................................6 8.3 PRESENTMENT SERVICE COMMON AGGREGATES....................................................................................................6 8.3.1 Biller Record Aggregate ..................................................................................................6 8.3.2 Biller Account Identification Information Aggregate ...........................................9 8.3.3 Bill Record .........................................................................................................................10 8.4 PRESENTMENT SERVICE MESSAGE DETAIL..........................................................................................................14 8.4.1 Biller Inquiry.......................................................................................................................................14 8.4.2 Biller Inquiry Reversal........................................................................................................................17 8.4.3 Bill Inquiry...........................................................................................................................................18 8.4.4 Bill Reversal........................................................................................................................................21 8.4.5 Bill Status Modify................................................................................................................................23 8.5 BILL PRESENTMENT SERVICE PROFILE ...............................................................................25

9 THE VALUABLE MEDIA SERVICE ..............................................................................19.1 DESCRIPTION....................................................................................................................................................1 9.2 VALUABLE MEDIA SERVICE MESSAGE SUMMARY..................................................................................................2 9.3 VALUABLE MEDIA SERVICE COMMON AGGREGATES..............................................................................................2 9.3.1 Media Item .....................................................................................................................2 9.3.2 Media Account Record Aggregate .....................................................................4 9.4 MEDIA ACCOUNT ADJUST..................................................................................................................................6 9.4.1 Media Account Adjust Add....................................................................................................................6 9.4.2 Media Account Adjust Inquiry...............................................................................................................7 9.4.3 Media Account Adjust Audit..................................................................................................................9 9.4.4 Media Account Adjust Synchronization...............................................................................................11 9.4.5 Media Account Adjust Reversal...........................................................................................................12 9.5 MEDIA ACCOUNT INVENTORY...........................................................................................................................14 9.5.1 Media Account Inventory Inquiry........................................................................................................14

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Interactive Financial Exchange Business Message Specification 9.5.2 Media Account Inventory Reversal.....................................................................................................15 9.6 VALUABLE MEDIA SERVICE PROFILE ..............................................................................16

10 ROOT SERVICE .....................................................................................................110.1 DESCRIPTION..................................................................................................................................................1 10.2 ROOT SERVICE MESSAGE SUMMARY..................................................................................................................2 10.3 ROOT SERVICE COMMON AGGREGATES..............................................................................................................3 10.3.1 Terminal Object Record Aggregate ...................................................................3 10.3.2 Terminal Service Provider Object Record Aggregate ...................................4 10.3.3 Device Record Aggregate .................................................................................................5 10.4 TERMINAL OBJECT........................................................................................................................................23 10.4.1 Terminal Object Add Message..........................................................................................................23 10.4.2 Terminal Object Modify....................................................................................................................24 10.4.3 Terminal Object Inquiry....................................................................................................................25 10.4.4 Terminal Object Delete.....................................................................................................................25 10.4.5 Terminal Object Audit.......................................................................................................................26 10.4.6 Terminal Object Status Modify..........................................................................................................28 10.4.7 Terminal Object Advise.....................................................................................................................29 10.5 TERMINAL SERVICE PROVIDER OBJECT ............................................................................................................30 10.5.1 Terminal Service Provider Object Add Message..............................................................................30 10.5.2 Terminal Service Provider Object Modify........................................................................................31 10.5.3 Terminal Service Provider Object Inquiry........................................................................................32 10.5.4 Terminal Service Provider Object Delete.........................................................................................34 10.5.5 Terminal Service Provider Object Audit...........................................................................................34 10.5.6 Terminal Service Provider Object Advise.........................................................................................36 10.6 DEVICE MESSAGES........................................................................................................................................37 10.6.1 Device Inquiry...................................................................................................................................37 10.6.2 Device Advise....................................................................................................................................39 10.7 ROOT SERVICE PROFILE INFORMATION ............................................................................40

A RESPONSE STATUS CODES...........................................................................................................1A.1 ALL MESSAGES..............................................................................................................................................12 A.2 SECURITY MESSAGES......................................................................................................................................14 A.2.1 Signon (Signon)...................................................................................................................................14 A.2.2 Signoff (Signoff)..................................................................................................................................15 A.3 BASE SERVICE...............................................................................................................................................15 A.3.1 Service Profile Inquiry (SvcProfInq)..................................................................................................15 A.3.2 Holiday Inquiry (HolInq)....................................................................................................................15 A.3.3 Customer Password Modify (CustPswdMod).....................................................................................15 A.3.4 Customer Add (CustAdd)....................................................................................................................15 A.3.5 Customer Modify (CustMod)..............................................................................................................16 A.3.6 Customer Status Modify (CustStatusMod)..........................................................................................16 A.3.7 Customer Inquiry (CustInq)................................................................................................................16 A.3.8 Customer Synchronization (CustSync)................................................................................................16 A.3.9 Customer/Service Link Add (CustSvcAdd)..........................................................................................16 A.3.10 Customer/Service Link Modify (CustSvcMod)..................................................................................17 A.3.11 Customer/Service Link Status Modify (CustSvcStatusMod).............................................................17 A.3.12 Customer/Service Link Delete (CustSvcDel)....................................................................................17 A.3.13 Customer/Service Link Audit (CustSvcAud).....................................................................................18 A.3.14 Customer/Service Link Synchronization (CustSvcSync)...................................................................18 A.3.15 Service/Account Link Add (SvcAcctAdd)..........................................................................................18 A.3.16 Service/Account Link Modify (SvcAcctMod).....................................................................................18 A.3.17 Service/Account Link Status Modify (SvcAcctStatusMod)................................................................19 A.3.18 Service/Account Link Identifier Modify (SvcAcctIdMod).................................................................19 A.3.19 Service/Account Link Delete (SvcAcctDel).......................................................................................19 A.3.20 Service/Account Link Inquiry (SvcAcctInq)......................................................................................19

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Interactive Financial Exchange Business Message Specification A.3.21 Service/Account Link Audit (SvcAcctAud)........................................................................................20 A.3.22 Service/Account Link Synchronization (SvcAcctSync)......................................................................20 A.3.23 Service/Account Link Reversal (SvcAcctRev)...................................................................................20 A.3.24 Disclosure Inquiry (DiscInq)............................................................................................................20 A.3.25 Customer/Disclosure Link Status Modify (CustDiscStatusMod)......................................................20 A.3.26 Customer/Disclosure Link Inquiry (CustDiscInq)............................................................................21 A.3.27 Customer Identifier Inquiry (CustIdInq)...........................................................................................21 A.3.28 Customer Status Modify (CustStatusMod)........................................................................................21 A.3.29 Customer Authorization Modify (CustAuthMod)..............................................................................21 A.3.30 Security Object Add (SecObjAdd).....................................................................................................21 A.3.31 Security Object Modify (SecObjMod)...............................................................................................22 A.3.32 Security Object Inquiry (SecObjInq).................................................................................................22 A.3.33 Security Object Delete (SecObjDel).................................................................................................22 A.3.34 Security Object Advise (SecObjAdvise)............................................................................................22 A.3.35 Security Object Sync (SecObjSync)...................................................................................................22 A.3.36 Party Account Relationship Add (PartyAcctRelAdd)........................................................................23 A.3.37 Party Account Relationship Modify (PartyAcctRelMod)..................................................................23 A.3.38 Party Account Relationship Delete (PartyAcctRelDel)....................................................................23 A.3.39 Party Account Relationship Inquiry (PartyAcctRelInq)...................................................................23 A.3.40 Card Preferences Add (CardPrefAdd)..............................................................................................23 A.3.41 Card Preference Modify (CardPrefMod).........................................................................................24 A.3.42 Card Preference Inquiry (CardPrefInq)...........................................................................................25 A.3.43 Card Preference Delete (CardPrefDel)............................................................................................25 A.3.44 Card Preference Audit (CardPrefAud).............................................................................................25 A.3.45 Card Preference Sync (CardPrefSync).............................................................................................26 A.3.46 Card Preference Reversal (CardPrefRev)........................................................................................26 A.3.47 Card Preference Status Modify (CardPrefStatusMod).....................................................................26 A.3.48 Posting Session Add (PostingSessionAdd)........................................................................................26 A.3.49 Posting Session Modify (PostingSessionMod)..................................................................................27 A.3.50 Posting Session Inquiry (PostingSessionInq)...................................................................................27 A.3.51 Posting Session Status Modify (PostingSessionStatusMod).............................................................27 A.3.52 Session Totals Inquiry (SessionTotalsInq)........................................................................................27 A.4 BANKING SERVICE..........................................................................................................................................27 A.4.1 Balance Inquiry (BalInq)....................................................................................................................27 A.4.2 Balance Reversal (BalRev).................................................................................................................28 A.4.3 Account Inquiry (AcctInq)...................................................................................................................28 A.4.4 Account Reversal (AcctRev)................................................................................................................29 A.4.5 Deposit Account Statement Inquiry (DepAcctStmtInq).......................................................................29 A.4.6 Credit Card Statement Inquiry (CCAcctStmtInq)...............................................................................30 A.4.7 Credit Card Statement Reversal (CCAcctStmtRev)............................................................................30 A.4.8 Deposit Account Transaction Inquiry (DepAcctTrnInq)....................................................................31 A.4.9 Deposit Account Transaction Reversal (DepAcctTrnRev)..................................................................31 A.4.10 Credit Card Account Transaction Inquiry (CCAcctTrnInq).............................................................32 A.4.11 Credit Card Account Transaction Reversal (CCAcctTrnRev)..........................................................32 A.4.12 Interest Rate Inquiry (IntRateInq).....................................................................................................33 A.4.13 Interest Rate Rev (IntRateRev)..........................................................................................................33 A.4.14 Bank Account Taxation Inquiry (BankAcctTaxInq)..........................................................................33 A.4.15 Foreign Exchange Rate Inquiry (ForExRateInq).............................................................................34 A.4.16 Foreign Exchange Rate Reversal (ForExRateRev)..........................................................................34 A.4.17 ForExDealAdd..................................................................................................................................34 A.4.18 ForExDealMod.................................................................................................................................35 A.4.19 ForExDealInq...................................................................................................................................35 A.4.20 ForExDealCan..................................................................................................................................35 A.4.21 ForExDealAud..................................................................................................................................35 A.4.22 ForExDealSync.................................................................................................................................35 A.4.23 ForExDealRev...................................................................................................................................35

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Interactive Financial Exchange Business Message Specification A.4.24 A.4.25 A.4.26 A.4.27 A.4.28 A.4.29 A.4.30 A.4.31 A.4.32 A.4.33 A.4.34 A.4.35 A.4.36 A.4.37 A.4.38 A.4.39 A.4.40 A.4.41 A.4.42 A.4.43 A.4.44 A.4.45 A.4.46 A.4.47 A.4.48 A.4.49 A.4.50 A.4.51 A.4.52 A.4.53 A.4.54 A.4.55 A.4.56 A.4.57 A.4.58 A.4.59 A.4.60 A.4.61 A.4.62 A.4.63 A.4.64 A.4.65 A.4.66 A.4.67 A.4.68 A.4.69 A.4.70 A.4.71 A.4.72 A.4.73 A.4.74 A.4.75 A.4.76 A.4.77 A.4.78 A.4.79 ForExDealStatusMod........................................................................................................................35 ForExDealStatusInq..........................................................................................................................35 ForExDealAdvise..............................................................................................................................36 Stop Check Add (StopChkAdd).........................................................................................................36 Stop Check Cancel (StopChkCan)....................................................................................................37 Stop Check Inquiry (StopChkInq).....................................................................................................37 Stop Check Audit (StopChkAud).......................................................................................................38 Stop Check Synchronization (StopChkSync).....................................................................................39 Stop Check Reversal (StopChkRev)..................................................................................................39 Funds Transfer Add (XferAdd).........................................................................................................39 Funds Transfer Modify (XferMod)....................................................................................................41 Funds Transfer Status Modify (XferStatusMod)...............................................................................42 Funds Transfer Cancel (XferCan)....................................................................................................42 Funds Transfer Inquiry (XferInq).....................................................................................................42 Funds Transfer Audit (XferAud).......................................................................................................43 Funds Transfer Synchronization (XferSync).....................................................................................44 Funds Transfer Reversal (XferRev)..................................................................................................44 Recurring Funds Transfer Model Add (RecXferAdd).......................................................................44 Recurri