XML SEPA client format (PDF file) - Komerční banka
XML SEPA client format (PDF file) - Komerční banka XML SEPA client format (PDF file) - Komerční banka
XML SEPA client format in KB XML SEPA IN KB (effective from 22 Nov 2014) s Komerční banka, a. s., registered office: Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054 REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360 1/21
- Page 2 and 3: XML SEPA client format in KB Conten
- Page 4 and 5: XML SEPA client format in KB 3. Mes
- Page 6 and 7: XML SEPA client format in KB otherw
- Page 8 and 9: XML SEPA client format in KB not be
- Page 10 and 11: XML SEPA client format in KB Index
- Page 12 and 13: XML SEPA client format in KB Format
- Page 14 and 15: XML SEPA client format in KB 7. Exa
- Page 16 and 17: XML SEPA client format in KB ABC
- Page 18 and 19: XML SEPA client format in KB Na Př
- Page 20 and 21: XML SEPA client format in KB - NA
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
<strong>XML</strong> <strong>SEPA</strong> IN KB<br />
(effective from 22 Nov 2014)<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
1/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
Content:<br />
1. Scope ......................................................................................................................................................................... 3<br />
2. Application .................................................................................................................................................................. 3<br />
3. Message structure (items used by KB) ....................................................................................................................... 4<br />
4. Rules according to ISO 20022 for selected tags used in KB ...................................................................................... 6<br />
5. Details for address structure in KB ........................................................................................................................... 11<br />
6. Details of structure of organization or private person identification in KB ................................................................. 12<br />
7. Examples of identification definition for Payer and Beneficiary in <strong>XML</strong> and on DCS Moje<strong>banka</strong> channel screens .. 14<br />
8. Example of <strong>XML</strong> with two payments ......................................................................................................................... 15<br />
9. Example of <strong>SEPA</strong> urgent payment version 03 .......................................................................................................... 19<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
2/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
1. Scope<br />
Electronic transfer of KB <strong>client</strong> requests for sending cross-border payments in EUR within the <strong>SEPA</strong>. KB arranges debiting of the<br />
required account according to <strong>SEPA</strong> terms (scheme Rulebooks), and sending the payment to the defined bank and account including<br />
non-accounting data handed over to the partner. (Currently, KB is not providing cross-border/<strong>SEPA</strong> direct debits.)<br />
2. Application<br />
Standard pain.001.001.02 (version 02) defines 3 types of modes (i.e. three options of constructing <strong>XML</strong>):<br />
• Single (single orders - each payment has its own Payment In<strong>format</strong>ion Block)<br />
• Group (multiple orders - a common Payment In<strong>format</strong>ion Block and several occurrences of payment blocks)<br />
• Mixed (both types within a single message)<br />
Standard pain.001.001.03 (version 03) and standard pain.001.001.04 (version 04) do not specify any mode any more and are implicitly<br />
considered as the Mixed mode.<br />
KB converts MIXED and GROUP modes to single payments.<br />
A character set of all <strong>SEPA</strong> payments’ text fields is limited to valid characters of the SWIFT character set; the SWIFT character<br />
set – currently valid characters – must always be adhered to see<br />
Table of allowed characters available at http://www.moje<strong>banka</strong>.cz/<strong>file</strong>/cs/povolene_znaky.pdf<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
3/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
3. Message structure (items used by KB)<br />
Note:<br />
KB accepts <strong>SEPA</strong> payments according to ISO<br />
• standard namespace urn:iso:std:iso:20022:tech:xsd:pain.001.001.02“, tag or a preceding code „GRPD“ or „MIXD“,<br />
converted to „SNGL“ – SINGLE by KB.<br />
• standard namespace urn:iso:std:iso:20022:tech:xsd:pain.001.001.03, expected preceding code „MIXD“, converted to<br />
„SNGL“ – SINGLE by KB.<br />
• standard namespace urn:iso:std:iso:20022:tech:xsd:pain.001.001.04, expected preceding code „MIXD“, converted to<br />
„SNGL“ – SINGLE by KB.<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
4/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
This document contains tags, from which values are accepted for further processing in KB and are only valid for standard<br />
pain.001.001.02. There are minor differences in the element structure and names under the versions pain.001.001.03 and<br />
pain.001.001.04. It is therefore desirable to follow the following descriptions:<br />
• http://www.europeanpaymentscouncil.eu/knowledge_bank_detail.cfmdocuments_id=437 for pain.001.001.03,<br />
• http://www.europeanpaymentscouncil.eu/ for pain.001.001.04<br />
<strong>XML</strong> without namespace or with different namespace will be considered as an invalid <strong>format</strong>.<br />
Tags of required (mandatory) fields are put in grey background in the tables below<br />
1 Group leader<br />
Index OR Message item Mult. Presentation Used in KB<br />
1.0 GroupHeader [1..1]<br />
1.1 MessageIdentification [1..1] Text<br />
1.2 CreationDateTime [1..1] DateTime Used for duplication detection.<br />
1.5 NumberOfTransactions [1..1] Text validations only with notification<br />
1.6 ControlSum [0..1] Quantity validations only with notification<br />
1.7 Grouping [1..1] Code SNGL, GRPD or MIXD required for v02.<br />
1.8 InitiatingParty [1..1] +- not taken over in KB<br />
N Payment in<strong>format</strong>ion<br />
Index OR Message item Mult. Present Used in KB<br />
ation<br />
2.0 PaymentIn<strong>format</strong>ion [1..n]<br />
2.2 PaymentMethod [1..1] Code „TRF“ - required<br />
2.13 RequestedExecutionDate [1..1] Date Debit due date -<br />
required<br />
2.15 Debtor [1..1] + Name, address,<br />
identification.<br />
KB takes over only<br />
identification; it does<br />
not take over the<br />
name and address,<br />
but uses it according<br />
to its own<br />
administration -<br />
required.<br />
2.16 DebtorAccount [1..1] + IBAN (currency need<br />
not be specified; if it is<br />
specified, it must<br />
correspond to<br />
administration,<br />
otherwise it will be<br />
rejected) - required.<br />
2.17 DebtorAgent [1..1] + Not taken over and<br />
validated by KB; KB<br />
checks the bank using<br />
IBAN.<br />
2.19 UltimateDebtor [0..1] + Will be transferred by<br />
KB when Rulebook<br />
3.2. is officially<br />
approved; <strong>client</strong>s will<br />
be informed on KB<br />
website.<br />
2.20 ChargeBearer [0..1] Code if not specified, KB will<br />
use SLEV; if to be<br />
specified, only SLEV<br />
can be used.<br />
2.21 ChargesAccount [0..1] + To be specified only if<br />
you require different<br />
KB account to be<br />
charge (currency need<br />
not be specified; if to<br />
be specified, it must<br />
correspond to<br />
administration,<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
5/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
otherwise it will be<br />
rejected).<br />
2.23 CreditTransferTransactionInfo [1..n] compulsory<br />
rmation<br />
2.24 PaymentIdentification [1..1] compulsory<br />
2.25 InstructionIdentification [0..1] Text Unique identification<br />
for KB (duplicate<br />
detection); if not<br />
specified, in<strong>format</strong>ion<br />
of the EndToEnd field<br />
will be used.<br />
2.26 EndToEndIdentification [1..1] Text compulsory<br />
Handed over to the<br />
partner; if InstrId is not<br />
specified, this value is<br />
used for KB purpose:<br />
InstrId = EndToEndId.<br />
2.27 PaymentTypeIn<strong>format</strong>ion [0..1]<br />
2.28 InstructionPriority [0..1] Code If it is stated "HIGH" =<br />
urgent payment. If it is<br />
stated "NORM" or is<br />
blank = express<br />
payment.<br />
2.29 ServiceLevel [0..1]<br />
2.30 Code [1..1] Code All transferred via <strong>XML</strong><br />
will be “<strong>SEPA</strong>” only in<br />
KB. Specification is<br />
not necessary; if<br />
different value is used,<br />
it will be rejected.<br />
2.37 Amount [1..1] compulsory<br />
2.38 InstructedAmount [1..1] Amount Amount in EUR<br />
(required)<br />
Currencies other than<br />
EUR will be rejected in<br />
KB; required.<br />
2.46 ChargeBearer [0..1] Code Only “SLEV” can be<br />
used for <strong>SEPA</strong><br />
payments. Not<br />
compulsory; KB uses<br />
it by default.<br />
2.55 CreditorAgent [0..1] + BIC - the bank must<br />
be <strong>SEPA</strong>-compliant;<br />
required.<br />
2.57 Creditor [0..1] + Name, address -<br />
required;<br />
identification (optional)<br />
2.58 CreditorAccount [0..1] + IBAN - required<br />
2.59 UltimateCreditor [0..1] + Will be transferred by<br />
KB when Rulebook<br />
3.2. is officially<br />
approved; <strong>client</strong>s will<br />
be informed on KB<br />
website.<br />
2.84 RemittanceIn<strong>format</strong>ion [0..1]<br />
2.85 Unstructured [0..n] Text Details of payment<br />
(optional)<br />
4. Rules according to ISO 20022 for selected tags used in KB<br />
FOR Header:<br />
1.1 MessageIdentification <br />
Presence: [1..1]<br />
Definition: Point to point reference assigned by the instructing party and sent to the next party in the chain to<br />
unambiguously identify the message.<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
6/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
Usage: The instructing party has to make sure that 'MessageIdentification' is unique per instructed party for<br />
a pre-agreed period.<br />
Data Type: Max35Text<br />
Format: maxLength: 35<br />
minLength: 1<br />
1.2 CreationDateTime <br />
Presence: [1..1]<br />
Definition: Date and time at which a (group of) payment instruction(s) was created by the instructing party.<br />
Data Type: ISODateTime<br />
1.5 NumberOfTransactions <br />
Presence: [1..1]<br />
Definition: Number of individual transactions contained in the message.<br />
Data Type: Max15NumericText<br />
Format: [0-9]{1,15}<br />
1.6 ControlSum <br />
Presence: [0..1]<br />
Definition: Total of all individual amounts included in the message, irrespective of currencies.<br />
Data Type: DecimalNumber<br />
Format: fractionDigits: 17<br />
totalDigits: 18<br />
1.7 Grouping <br />
Presence: [1..1]<br />
Definition: Indicates whether common accounting in<strong>format</strong>ion in the transaction is included once for all transactions or<br />
repeated for each single transaction.<br />
In KB only one possibility: single – „SNGL“<br />
1.8 InitiatingParty <br />
Presence: [1..1]<br />
Definition: Party initiating the payment. In the payment context, this can either be the debtor (in a credit transfer), the<br />
creditor (in a direct debit), or the party that initiates the payment on behalf of the debtor or creditor.<br />
Type: This message item is composed of the following PartyIdentification8 element(s):<br />
FOR Payments<br />
Or Message Item Mult. Represent./Type<br />
Name [0..1] Text<br />
PostalAddress [0..1] Not taken over or<br />
validated in KB. The<br />
address administered in<br />
DB DCS is used. If to be<br />
sent, see the structure<br />
description in chapter 5<br />
- Address in KB.<br />
2.0 PaymentIn<strong>format</strong>ion <br />
Presence: [1..n]<br />
Definition: Set of characteristics that applies to the debit side of the payment transactions included in the credit transfer<br />
initiation.<br />
Type: The PaymentIn<strong>format</strong>ion block is composed of the following PaymentInstructionIn<strong>format</strong>ion1 element(s):<br />
Index OR Message item Mult. Presentation Used in KB<br />
2.1 PaymentIn<strong>format</strong>ionIdentification [0..1] Text<br />
2.2 PaymentMethod [1..1] Code TRF<br />
2.3 PaymentTypeIn<strong>format</strong>ion [0..1]<br />
2.13 RequestedExecutionDate [1..1] DateTime DATE<br />
2.15 Debtor [1..1] + Address and name<br />
is not taken over,<br />
only identification is,<br />
if specified.<br />
2.16 DebtorAccount [1..1] + IBAN currency need<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
7/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
not be specified. If<br />
specified, it will be<br />
validated against the<br />
status in DB.<br />
2.17 DebtorAgent [1..1] + Not taken over and<br />
validated. The bank<br />
will be validated via<br />
IBAN.<br />
2.19 UltimateDebtor [0..1] + Currently not<br />
transferred by KB.<br />
2.20 ChargeBearer [0..1] Code KB will use SLEV;<br />
however, if you<br />
specify a value,<br />
which is different<br />
from SLEV, it will be<br />
rejected.<br />
2.21 ChargesAccount [0..1] + The account number<br />
is to be specified<br />
only if it is different<br />
from the account<br />
number for the<br />
actual payment<br />
(always only in KB).<br />
2.23 CreditTransferTransactionIn<strong>format</strong>ion [1..n] Creditor description<br />
block<br />
2.2 PaymentMethod <br />
Presence: [1..1]<br />
Definition: Specifies the means of payment that will be used to move the amount of money.<br />
Data Type: Code – „TRF“<br />
2.13 RequestedExecutionDate <br />
Presence: [1..1]<br />
Definition: Date at which the initiating party requests the clearing agent to process the payment. If payment by cheque,<br />
the date when the cheque must be generated by the bank.<br />
Usage: This is the date on which the debtor's account(s) is (are) to be debited.<br />
Data Type: ISODate<br />
2.15 Debtor <br />
Presence: [1..1]<br />
Definition: Party that owes an amount of money to the (ultimate) creditor.<br />
Type: This message item is composed of the following PartyIdentification8 element(s):<br />
Or Message Item Mult. Represent./Type<br />
Name [0..1] Text<br />
PostalAddress [0..1] Chapter 5<br />
Identification [0..1] Chapter 6<br />
CountryOfResidence [0..1] Code<br />
2.16 DebtorAccount <br />
Presence: [1..1]<br />
Definition: Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of<br />
the transaction.<br />
Type: This message item is composed of the following CashAccount7 element(s):<br />
Or Message Item Mult. Represent./Type<br />
Identification [1..1] <br />
Currency [0..1] Code<br />
2.17 DebtorAgent <br />
Presence: [1..1]<br />
Definition: Financial institution servicing an account for the debtor.<br />
Type: This message item is composed of the following BranchAndFinancialInstitutionIdentification3 element(s):<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
8/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
Or Message Item Mult. Represent./Type<br />
FinancialInstitutionIdentification [1..1] not validated by<br />
KB<br />
2.19 UltimateDebtor <br />
Presence: [0..1]<br />
Definition: Ultimate party that owes an amount of money to the (ultimate) creditor.<br />
Type: This message item is composed of the following PartyIdentification8 element(s):<br />
Or Message Item Mult. Represent./Type<br />
Name [0..1] Text<br />
PostalAddress [0..1] Chapter 5<br />
Identification [0..1] Chapter 6<br />
CountryOfResidence [0..1] Code<br />
2.20 ChargeBearer <br />
Presence: [0..1]<br />
Definition: Specifies which party/parties will bear the charges associated with the processing of the payment transaction.<br />
Data Type: Code<br />
When this message item is present, one of the following ChargeBearerType1Code values must be used:<br />
Code Name Definition (for KB <strong>SEPA</strong> is acceptable only SLEV)<br />
CRED BorneByCreditor All transaction charges are to be borne by the creditor.<br />
DEBT BorneByDebtor All transaction charges are to be borne by the debtor.<br />
SHAR Shared In a credit transfer context, means that transaction charges on the sender side are to be borne by the debtor, transaction<br />
charges on the receiver side are to be borne by the creditor. In a direct debit context, means that transaction charges on the sender side<br />
are to be borne by the creditor, transaction charges on the receiver side are to be borne by the debtor.<br />
SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or scheme.<br />
2.21 ChargesAccount <br />
Presence: [0..1]<br />
Definition: Account used to process charges associated with a transaction.<br />
Usage : charges account should be used when charges have to be booked to an account different from the<br />
account identified in debtor's account.<br />
Type: This message item is composed of the following CashAccount7 element(s):<br />
Or Message Item Mult. Represent./Type<br />
Identification [1..1] <br />
Currency [0..1] Code<br />
2.23 CreditTransferTransactionIn<strong>format</strong>ion <br />
Presence: [1..n]<br />
Definition: Set of elements providing in<strong>format</strong>ion specific to the individual transaction(s) included in the message.<br />
Type: This message item is composed of the following CreditTransferTransactionIn<strong>format</strong>ion1 element(s):<br />
Index OR Message item Mult. Presentation Used in<br />
KB<br />
2.24 PaymentIdentification [1..1]<br />
2.27 PaymentTypeIn<strong>format</strong>ion [0..1]<br />
2.37 Amount [1..1]<br />
2.55 CreditorAgent [0..1] +<br />
2.57 Creditor [0..1] +<br />
2.58 CreditorAccount [0..1] +<br />
2.59 UltimateCreditor [0..1] +<br />
2.84 RemittanceIn<strong>format</strong>ion [0..1]<br />
2.37 Amount <br />
Presence: [1..1]<br />
Definition: Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in<br />
the currency as ordered by the initiating party.<br />
Type: This message item is composed of one of the following AmountType2Choice element(s):<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
9/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
Index OR Message item Mult. Presentation Used in KB<br />
2.38 InstructedAmount [1..1] Amount Only EUR<br />
permitted in KB.<br />
2.38 InstructedAmount <br />
Presence: [1..1]<br />
This message item is part of choice 2.37 Amount.<br />
Definition: Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in<br />
the currency as ordered by the initiating party.<br />
Data Type: CurrencyAndAmount<br />
This data type must be used with the following <strong>XML</strong> Attribute: Currency (Ccy) which is typed by CurrencyCode.<br />
Format: CurrencyAndAmount<br />
fractionDigits: 5<br />
minInclusive: 0<br />
totalDigits: 18<br />
CurrencyCode<br />
[A-Z]{3,3}<br />
Rule(s): CurrencyCode<br />
ValidationByTable<br />
2.55 CreditorAgent <br />
Presence: [0..1]<br />
Definition: Financial institution servicing an account for the creditor.<br />
Type: This message item is composed of the following BranchAndFinancialInstitutionIdentification3 element(s):<br />
Or Message Item Mult. Represent./Type<br />
FinancialInstitutionIdentification [1..1] - the bank must<br />
be <strong>SEPA</strong>-complying.<br />
2.57 Creditor <br />
Presence: [0..1]<br />
Definition: Party to which an amount of money is due.<br />
Type: This message item is composed of the following PartyIdentification8 element(s):<br />
Or Message Item Mult. Represent./Type<br />
Name [0..1] Text<br />
PostalAddress [0..1] See chapter 5<br />
Identification [0..1] See chapter 6<br />
CountryOfResidence [0..1] Code<br />
2.58 CreditorAccount <br />
Presence: [0..1]<br />
Definition: Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result<br />
of the payment transaction.<br />
Type: This message item is composed of the following CashAccount7 element(s):<br />
Or Message Item Mult. Represent KB<br />
./Type<br />
Identification [1..1] <br />
2.59 UltimateCreditor <br />
Presence: [0..1]<br />
Definition: Ultimate party to which an amount of money is due.<br />
Type: This message item is composed of the following PartyIdentification8 element(s):<br />
Or Message Item Mult. Represent KB<br />
./Type<br />
Name [0..1] Text<br />
PostalAddress [0..1] Chapter 5<br />
Identification [0..1] Chapter 6<br />
CountryOfResidence [0..1] Code<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
10/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
2.84 RemittanceIn<strong>format</strong>ion <br />
Presence: [0..1]<br />
Definition: In<strong>format</strong>ion that enables the matching, ie, reconciliation, of a payment with the items that the payment is<br />
intended to settle, eg, commercial invoices in an account receivable system.<br />
Type: This message item is composed of the following RemittanceIn<strong>format</strong>ion1 element(s):<br />
Index OR Message item Mult. Presentation Used in KB<br />
2.85 Unstructured [0..n] Text Only nonstructured<br />
in<strong>format</strong>ion<br />
used.<br />
2.85 Unstructured <br />
Presence: [0..n]<br />
Definition: In<strong>format</strong>ion supplied to enable the matching of an entry with the items that the transfer is intended to settle,<br />
eg, commercial invoices in an accounts' receivable system in an unstructured form.<br />
Data Type: Max140Text<br />
Format: maxLength: 140 minLength:<br />
5. Details for address structure in KB<br />
In KB, the structured approach will be required for the structure of the address, as well as using of appropriate tags for name, town,<br />
street, number, postcode and country.<br />
Address validation will be applied according to effective rules for foreign payments transferred via DCS (same as for BEST and<br />
EDI_BEST <strong>format</strong>s).<br />
5.1.1 PostalAddress <br />
Presence: [0..1]<br />
Definition: In<strong>format</strong>ion that locates and identifies a specific address, as defined by postal services.<br />
Type: This message item is composed of the following PostalAddress1 element(s):<br />
REF OR Message item Mult. Presentation Used in KB<br />
5.1.4 StreetName [0..1] Text<br />
5.1.5 BuildingNumber [0..1] Text<br />
5.1.6 PostCode [0..1] Text<br />
5.1.7 TownName [0..1] Text<br />
5.1.9 Country [1..1] Code<br />
5.1.4 StreetName <br />
Presence: [0..1]<br />
UNIFI (ISO 20022) - Payments Standards - Initiation October 2006<br />
Message Item Types<br />
Page 343<br />
Definition: Name of a street or thoroughfare.<br />
Data Type: Max70Text<br />
Format: maxLength: 70<br />
minLength: 1<br />
5.1.5 BuildingNumber <br />
Presence: [0..1]<br />
Definition: Number that identifies the position of a building on a street.<br />
Data Type: Max16Text<br />
Format: maxLength: 16<br />
minLength: 1<br />
5.1.6 PostCode <br />
Presence: [0..1]<br />
Definition: Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting<br />
of mail.<br />
Data Type: Max16Text<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
11/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
Format: maxLength: 16<br />
minLength: 1<br />
5.1.7 TownName <br />
Presence: [0..1]<br />
Definition: Name of a built-up area, with defined boundaries, and a local government.<br />
Data Type: Max35Text<br />
Format: maxLength: 35<br />
minLength: 1<br />
5.1.9 Country <br />
Presence: [1..1]<br />
Definition: Nation with its own government.<br />
Data Type: CountryCode<br />
Format: [A-Z]{2,2}<br />
Rule(s): Country<br />
The code is checked against the list of country names obtained from the United Nations (ISO 3166, Alpha-2<br />
code).<br />
6. Details of structure of organization or private person identification in KB<br />
The <strong>client</strong> can transfer identification of payer, beneficiary, original payer and final beneficiary according to whether the identification<br />
refers to an organization or a private person. This chapter specifies tags defined in <strong>XML</strong>, which are taken over in KB.<br />
The following is standard usage:<br />
• Selecting the identification type - whether it is an organization of a private person<br />
• Using for Organization () - the tag with nested tags for identification data and the tag for<br />
document issuer.<br />
• Using for Private () - the tag with nested tags for identification data, for Document type and<br />
the tag for document issuer.<br />
5.1.10 Identification <br />
Presence: [0..1]<br />
Definition: Unique and unambiguous way of identifying an organisation or an individual person.<br />
Type: This message item is composed of one of the following Party2Choice element(s):<br />
REF OR Message item Mult. Presentation Used in KB<br />
5.1.11 {Or OrganisationIdentification [1..1]<br />
5.1.23 Or} PrivateIdentification [1..4]<br />
5.1.11 OrganisationIdentification <br />
Presence: [1..1]<br />
This message item is part of choice 5.1.10 Identification.<br />
Definition: Unique and unambiguous way of identifying an organisation.<br />
Type: This message item is composed of the following OrganisationIdentification2 element(s):<br />
REF OR Message item Mult. Presentation Used in KB<br />
5.1.20 ProprietaryIdentification [0..1] KB allows only<br />
this tag<br />
5.1.20 ProprietaryIdentification <br />
Presence: [0..1]<br />
Definition: Unique and unambiguous identifier for an organisation that is allocated by an institution.<br />
Type: This message item is composed of the following GenericIdentification3 element(s):<br />
REF OR Message item Mult. Presentation Used in KB<br />
5.1.21 Identification [1..1] Text Identification<br />
data<br />
5.1.22 Issuer [0..1] Text Issuer of<br />
document<br />
5.1.21 Identification <br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
12/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
Presence: [1..1]<br />
Definition: Name or number assigned by an entity to enable recognition of that entity, eg, account identifier.<br />
Data Type: Max35Text<br />
Format: maxLength: 35<br />
minLength: 1<br />
5.1.22 Issuer <br />
Presence: [0..1]<br />
Definition: Entity that assigns the identification.<br />
Data Type: Max35Text<br />
Format: maxLength: 35<br />
minLength: 1<br />
5.1.23 PrivateIdentification <br />
Presence: [1..4]<br />
This message item is part of choice 5.1.10 Identification.<br />
Definition: Unique and unambiguous identification of a person, eg, passport.<br />
Type: This message item is composed of the following PersonIdentification3 element(s):<br />
REF OR Message item Mult. Presentation Used in KB<br />
5.1.37 OtherIdentification [1..1] KB allows only<br />
this tag<br />
5.1.40 Issuer [0..1] Text Issuer of<br />
document<br />
5.1.37 OtherIdentification <br />
Presence: [1..1]<br />
This message item is part of choice 5.1.23 PrivateIdentification.<br />
Definition: Identifier issued to a person for which no specific identifier has been defined.<br />
Type: This message item is composed of the following GenericIdentification4 element(s):<br />
REF OR Message item Mult. Presentation Used in KB<br />
5.1.38 Identification [1..1] Text Identification<br />
data<br />
5.1.39 IdentificationType [1..1] Text Document type<br />
5.1.38 Identification <br />
Presence: [1..1]<br />
Definition: Identifier issued to a person for which no specific identifier has been defined.<br />
Data Type: Max35Text<br />
Format: maxLength: 35<br />
minLength: 1<br />
5.1.39 IdentificationType <br />
Presence: [1..1]<br />
Definition: Specifies the nature of the identifier.<br />
Usage: IdentificationType is used to specify what kind of identifier is used. It should be used in case the<br />
identifier is different from the identifiers listed in the pre-defined identifier list.<br />
Data Type: Max35Text<br />
Format: maxLength: 35<br />
minLength: 1<br />
5.1.40 Issuer <br />
Presence: [0..1]<br />
Definition: Entity that assigns the identifier.<br />
Data Type: Max35Text<br />
Format: maxLength: 35<br />
minLength: 1<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
13/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
7. Examples of identification definition for Payer and Beneficiary in <strong>XML</strong> and on<br />
DCS Moje<strong>banka</strong> channel screens<br />
<br />
<br />
<br />
<br />
<br />
Identification data<br />
Issuer of document<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
Identification data<br />
Document type<br />
<br />
Issuer of document<br />
<br />
<br />
<br />
<br />
<br />
Original payer’s name<br />
<br />
<br />
<br />
<br />
<br />
<br />
Identification data<br />
Document type<br />
<br />
Issuer of document<br />
<br />
<br />
<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
14/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
8. Example of <strong>XML</strong> with two payments<br />
Example of two payments sent in a single <strong>file</strong>:<br />
• The first payment is sent for organization, the other for a private person.<br />
• Optional identification of partner is transferred in both payments.<br />
• Optional debit account currency is specified in the first payment.<br />
• In both payments, the optional payment identification item is specified; this item is necessary for processing in KB to keep<br />
uniqueness within the framework of the <strong>client</strong> (if not specified, the EndToEnd item, which would have to proof satisfactory in<br />
validation against uniqueness, would be taken over for this purpose).<br />
• In both payments, <strong>SEPA</strong> service level is specified; this field is optional and KB is not performing any other service level for an<br />
<strong>XML</strong> of transferred payments.<br />
• Charges are not specified; the bank will use SLEV by default for <strong>SEPA</strong>.<br />
• Number of account for charges is identical as the account number for the actual payment in one of the payments; for the other<br />
payment, different account number is required.<br />
<br />
<br />
<br />
<br />
<br />
<br />
20071218PAY1234<br />
<br />
2008-01-17T16:36:00<br />
<br />
2<br />
<br />
300.88<br />
<br />
SNGL<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
15/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
<br />
<br />
ABC Consulting s.r.o.<br />
<br />
U žluťoučkého koně<br />
1622/12<br />
158 00<br />
Praha 13<br />
CZ<br />
<br />
<br />
<br />
<br />
<br />
<br />
TRF<br />
<br />
2008-03-18<br />
<br />
<br />
TKT_NTI a.s.<br />
<br />
Na Příkopě<br />
22<br />
114 07<br />
Praha 1, Staré Město<br />
CZ<br />
<br />
<br />
<br />
<br />
DIC 026-123456789<br />
Issuer of document - payment 1<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
CZ0801000000353105260267<br />
<br />
USD<br />
<br />
<br />
<br />
<br />
KOBACZPX<br />
<br />
<br />
<br />
<br />
<br />
KB00001 <strong>client</strong> ID<br />
<br />
00001 ID agreed with partner<br />
<br />
<br />
<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
16/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
<br />
<strong>SEPA</strong><br />
<br />
<br />
<br />
<br />
100.67<br />
<br />
<br />
SLEV<br />
<br />
<br />
<br />
SOGEFRPP<br />
<br />
<br />
<br />
<br />
COMM France Ltd.<br />
<br />
Veine Jugulaire<br />
58/125B<br />
3PA00<br />
Paris<br />
FR<br />
<br />
<br />
<br />
<br />
PCA000011789B<br />
Paris Central Authority<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
FR1420041010050500013M02606<br />
<br />
<br />
<br />
<br />
Goods-and-Services-Tax Pay-Off (max length 140 characters)<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
TRF<br />
<br />
2008-02-26<br />
<br />
<br />
TKT_NTI a.s.<br />
<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
17/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
Na Příkopě<br />
22<br />
114 07<br />
Praha 1, Staré Město<br />
CZ<br />
<br />
<br />
<br />
<br />
DIC 026-123456789<br />
Issuer of document - payment 2<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
CZ0801000000353105260267<br />
<br />
USD<br />
<br />
<br />
<br />
<br />
KOBACZPX<br />
<br />
<br />
<br />
<br />
<br />
CZ0801000000353105270297<br />
<br />
CZK<br />
<br />
<br />
<br />
<br />
KB00002 <strong>client</strong> ID<br />
<br />
00002 ID agreed with partner<br />
<br />
<br />
<br />
<br />
<strong>SEPA</strong><br />
<br />
<br />
<br />
<br />
200.21<br />
<br />
<br />
SLEV<br />
<br />
<br />
NTI a.s.<br />
<br />
<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
18/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
<br />
<br />
DEUTDEDB101<br />
<br />
<br />
<br />
<br />
Hans Friedrich<br />
<br />
Halsschlagader Strasse<br />
1<br />
14165<br />
Berlin - Zehlendorf<br />
DE<br />
<br />
<br />
<br />
<br />
FS123456<br />
Fuhrerschein<br />
<br />
Berliner Landesamt<br />
<br />
<br />
<br />
<br />
<br />
<br />
DE89370400440532013000<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
DE012345678901<br />
Passport No.<br />
<br />
Münchener Landesamt<br />
<br />
<br />
<br />
<br />
<br />
service-supply payment /VS/9876543210 /KS/10 (max length 140 characters)<br />
<br />
<br />
<br />
<br />
<br />
9. Example of <strong>SEPA</strong> urgent payment version 03<br />
<br />
- <br />
- <br />
- <br />
KB<br />
2014-08-04T14:34:37<br />
1<br />
1.15<br />
- <br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
19/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
- <br />
NA STROUZE 1<br />
110 00<br />
PRAHA<br />
CZ<br />
<br />
<br />
<br />
- <br />
- <br />
NOVE<br />
TRF<br />
- <br />
HIGH<br />
<br />
2014-08-04<br />
- <br />
KLIENT ABC<br />
- <br />
NA STROUZE 1<br />
110 00<br />
PRAHA<br />
CZ<br />
<br />
<br />
- <br />
- <br />
- <br />
CZ1701000000514127800257<br />
<br />
CZK<br />
<br />
- <br />
- <br />
KOMBCZPPXXX<br />
<br />
<br />
- <br />
- <br />
CZ1701000000514127800257<br />
<br />
CZK<br />
<br />
- <br />
- <br />
1<br />
1 ID dohodnuté s partnerem<br />
<br />
- <br />
- <br />
- <br />
<strong>SEPA</strong><br />
<br />
<br />
- <br />
1.15<br />
<br />
SLEV<br />
- <br />
- <br />
SOGEFRPPXXX<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
20/21
<strong>XML</strong> <strong>SEPA</strong> <strong>client</strong> <strong>format</strong> in KB<br />
<br />
<br />
- <br />
Jean Luc Creperu<br />
- <br />
Le Pufova 1<br />
PARIS<br />
FR<br />
<br />
<br />
- <br />
- <br />
FR1420041010050500013M02606<br />
<br />
<br />
- <br />
<br />
<br />
- <br />
AV1 DO EHP EUR IBAN AV2 DO EHP EUR IBAN AV3 DO EHP EUR IBAN AV4 DO EHP EUR IBAN<br />
<br />
<br />
<br />
- <br />
<br />
<br />
s<br />
<strong>Komerční</strong> <strong>banka</strong>, a. s., registered office:<br />
Praha 1, Na Příkopě 33, 969, Postcode 114 07, IČ (Company ID): 45317054<br />
REGISTERED IN THE COMPANIES REGISTER KEPT BY PRAGUE MUNICIPAL COURT, B SECTION, RECORD 1360<br />
21/21