| Version: | D |
|---|---|
| Release: | 04B |
| Contr. Agency: | UN |
| Revision: | 2 |
| Date: | 2004-11-23 |
| SOURCE: | TBG5 Finance |
|
For general information on UN standard message types see UN Trade Data Interchange Directory, UNTDID, Part 4, Section 2.3, UN/ECE UNSM General Introduction |
|
This message also occurs in the following versions of this standard: D98A, D98B, D99A, D99B, D00A, D00B, D01A, D01B, D01C, D02A, D02B, D03A, D03B, D04A, D04B |
This specification provides the definition of the Multiple interbank funds transfer message (FINPAY) to be used in Electronic Data Interchange (EDI) between trading partners involved in administration, commerce and transport.
A Multiple interbank funds transfer message is sent between financial institutions to request the transfer of funds in settlement of the referenced business transaction(s).
The FINPAY message may be exchanged directly between financial institutions or through a clearing system.
Depending on the account relationship between the financial institutions, the FINPAY may be used as a payment order and/or as a credit advice.
The FINPAY may also be used for collections, documentary credits, direct debits and other financial institution related transfers.
The Multiple interbank funds transfer message may be used for both national and international applications. It is based on universal practice related to administration, commerce and transport, and is not dependent on the type of business or industry.
See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 1.
See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 2.
This section should be read in conjunction with the segment table which indicates mandatory, conditional and repeating requirements.
The following semantic principles applying to the message are intended to facilitate the understanding of the message:
The Multiple interbank funds transfer message is structured in three levels: A, B, and C.
The structure of the message is designed to allow several B levels, each B level being followed by its related C levels.
A service segment starting and uniquely identifying a message. The message type code for the Multiple interbank funds transfer message is FINPAY.
Note: Multiple interbank funds transfer messages conforming to this document must contain the following data in segment UNH, composite S009:
| Data element | 0065 | FINPAY |
| 0052 | D | |
| 0054 | 04B | |
| 0051 | UN |
A segment by means of which the sender must uniquely identify the FINPAY message using its type and number and when necessary its function.
A segment specifying the date and, if required, the time when the message is created.
A segment identifying certain characteristics of the Multiple interbank funds transfer message, such as the type of transaction and/or bank operation, and used for routing purposes.
A group of segments identifying a previously-sent FINPAY.
A segment specifying the reference of the previously-sent FINPAY.
A segment specifying the creation date of the referenced message.
A group of segments identifying the financial institutions involved in the multiple interbank funds transfer message and the routing functions with their contacts.
A segment identifying the financial institutions associated with the transaction in coded or uncoded form and their function.
A segment identifying a person or a department for the party specified in the leading FII segment to whom communication should be directed.
A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.
A group of segments containing general information about the transaction, such as the total amount to be transferred. It also contains details which pertain to all individual payments specified within the group.
A segment identifying the beginning of the general information related to the transaction (B level) by a sequential line number, which may also be used for reconciliation purposes.
A segment identifying characteristics of the type(s) of transaction(s) contained in level C.
A segment identifying the posting date and/or value date and/or the requested execution date.
A group of segments specifying the account relationship(s) and providing information pertaining to the routing of the funds.
A segment identifying the account relationship between the sending and receiving financial institution.
A segment identifying a person or a department for the financial institution specified in the FII segment and to whom communication should be directed.
A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.
A group of segments specifying the reference of the total amount to be transferred.
A segment specifying the reference number of the total amount to be transferred. This reference is specific for each total amount contained in each B level.
A segment indicating the date and, if required, the time relevant to the preceding reference.
A group of segments containing the total of all the amounts of the subsequent C levels to be transferred. It may also specify the currency, the foreign exchange details, as well as any other relevant amounts.
A segment containing the total of all subsequent individual amounts to be transferred as well as, optionally, the currency.
A segment identifying the source currency and the target currency of the amount to be transferred when they are different, and indicating the exchange rate related to the account and amount to be converted.
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
A segment identifying other transactions to which funds associated with the multiple interbank funds transfer are related, such as a separate foreign exchange deal.
A group of segments specifying the method for allocation of charges and allowances and to which account these charges have been directed. It may also contain the total amount of charges and allowances.
A segment specifying the method for allocation of charges and allowances and identifying the account to which such charges should be directed where it is different from the principal account.
A segment containing the total amount of charges and allowances and associated taxes related to a specific account or to the same account as quoted in the preceding FII segment, specifying the account relationship(s). It may also contain the total of individual amounts calculated from a basis amount or the basis amount from which charges and/or allowances are calculated when this is different from the original amount.
A group of segments providing details pertaining to all charges and/or allowances. It may also specify any exchange rates related to these charges and/or allowances.
A segment containing any charges and/or allowances which are related to the total amount, calculated from the original amount or from the basis amount.
A segment specifying the details of the percentage used for calculating the charges and/or allowances.
A segment identifying the single amount of charges and/or allowances and specifying the basis amount from which these charges and/or allowances are calculated, when different from the transaction amount.
A segment indicating any exchange rate related to the charges and/or allowances, where relevant.
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
A group of segments describing any taxes associated with the charges, their amount, exchange rates and date of exchange rates.
A segment identifying taxes computed to the charges in the preceding segment group.
A segment identifying the basis amount from which the tax is calculated, if different from the amount contained in the preceding MOA segment, identifying a single amount of charges and/or allowances.
A segment specifying the rate of exchange related to the tax amount.
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
A group of segments containing instructions and related information from the sender or the receiver of the message to parties involved in the transaction. It specifies action to be taken by the identified parties and the date (and optionally time) by which such action needs to be taken.
A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form.
A segment providing free text instructions related to the associated INP segment.
A segment specifying the earliest and the latest dates and times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out.
A group of segments providing information for subsequent use by regulatory authorities requiring statistical and other types of data. It also identifies the regulatory authority for which the information is intended followed by the information itself.
A segment identifying what processing should be completed for regulatory authorities.
A segment giving the amount and the currency of each transaction to be reported.
A segment giving the different origins and/or destinations (places) of goods and/or investments and/or services.
A segment identifying the recipient of the associated informative text.
A segment giving the nature (e.g., goods, transport services) and direction of each transaction to be recorded in coded form.
A segment giving information in coded or in clear form to provide information relevant to regulatory authorities' requirements.
SG19-SG20-SG23 A group of segments containing information relating to the transactions to be transferred, such as the financial and non-financial institutions involved, payment channel, amounts, dates, instructions. It may also contain remittance information related to the transactions.
A segment specifying the sequence number indicating the start of the information related to each individual transaction.
A segment providing information relating to the type of transfer and the underlying reason for the transfer.
A segment indicating dates, taken from the original payment order and added by the sending financial institution, such as the execution dates, the posting date, the value date, etc.
A group of segments specifying the financial institutions involved in further processing the transaction, as well as any relevant contact names and numbers.
A segment specifying the financial institutions involved in further processing the transaction.
A segment identifying a person or a department for the financial institution specified in the FII segment and to whom communication should be directed.
A segment identifying communication type(s) and number(s) of person(s) or department(s).
A group of segments specifying reference numbers from the original transfer instruction and additional references added by the financial institutions involved in the transaction.
A segment specifying a reference number identifying the entry and/or item from the sending financial institution's perspective.
A segment specifying the date and/or time and/or period relevant to the preceding reference number.
A group of segments containing instructions intended for the financial institutions involved on the receiving side of the transactions and/or for the account owner.
A segment specifying the conditions, method and payment channel used to execute the funds transfer.
A segment giving additional information pertaining to the funds transfer instructions, in free form.
A group of segments indicating the individual amounts to be transferred. This segment group may also contain the currency, dates and a reference related to the amount.
A segment containing the final amount to be transferred. It may also contain the original amount of the transfer instruction and the amount received.
A segment identifying the source currency and the target currency of the amount to be transferred when they are different, and indicating the exchange rate related to the account and amount to be converted.
A segment indicating the date and/or time relating to the exchange rate quoted in the preceding CUX segment.
A segment specifying the reference of another transaction underlying the transfer being made, such as a foreign exchange transaction.
A group of segments identifying the names and addresses of non-financial parties involved in the transaction, as well as any contacts and numbers.
A segment identifying parties involved in the transaction, such as the Payee, Beneficiary, Payor and Ordering Customer.
A segment identifying a person or a department for the party specified in the NAD segment and to whom communication should be directed.
A segment identifying communication type(s) and number(s) of person(s) or department(s).
A group of segments providing information for subsequent use by regulatory authorities requiring statistical and other types of data. It also identifies the regulatory authority for which the information is intended followed by the information itself.
A segment identifying what processing should be completed for regulatory authorities.
A segment giving the amount and the currency of each transaction to be reported.
A segment giving the different origins and/or destinations (places) of goods and/or investments and/or services.
A segment identifying the recipient of the associated informative text.
A segment giving the nature (e.g., goods, transport services) and direction of each transaction to be recorded in coded form.
A segment giving information in coded or in clear form to provide information relevant to regulatory authorities' requirements.
A group of segments containing instructions and related information from the sender or the receiver of the message to parties involved in the transaction. It specifies action to be taken by the identified parties and the date (and optionally time) by which such action needs to be taken.
A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form.
A segment providing free text instructions related to the associated INP segment.
A segment specifying the earliest and the latest dates and times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out.
A group of segments providing full details of all charges, allowances and associated taxes that apply to the amount to be transferred, together with information as to who bears the charges and to which account they have been directed. A total value of all charges plus allowances may be given for every account to which charges may be directed.
A segment specifying the method for allocation of charges and allowances and identifying the account to which such charges should be directed where it is different from the principal amount.
A segment containing the total amount of charges, allowances and associated taxes related to a specific account or to the same account as quoted in segment group 16. It may also contain the total of individual amounts calculated from a basis amount or the basis amount from which charges and/or allowances are calculated when this is different from the original amount.
A group of segments providing a detailed breakdown of all charges and/or allowances.
A segment containing any charges and/or allowances which are related to the total amount, calculated from the original amount or from the basis amount.
A segment specifying the details of the percentage used for calculating the charges and/or allowances.
A segment identifying the single amount of charges and/or allowances and specifying the basis amount from which these charges and/or allowances are calculated if different from the transaction amount.
A segment indicating any exchange rate related to the charges and/or allowances, where relevant.
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
A group of segments describing any taxes associated with the charges, their amount, exchange rates and date of exchange rates.
A segment identifying taxes computed to the charges in the preceding segment group.
A segment identifying the basis amount from which the tax is calculated, if different from the amount in the preceding MOA segment, providing a detailed breakdown of all charges and/or allowances.
A segment specifying the rate of exchange related to the tax amount.
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
A group of segments containing the details of payment. The content of these segments is passed through the banking chain from the ordering customer to the beneficiary.
A segment identifying the kind of process on the beneficiary's side.
A segment providing free text instructions relating to the payment details.
A group of segments providing details of all documents, e.g., invoices, statements, despatch advices, etc. to which the message refers. It includes information on the monetary amounts for each document and on any adjustments (with an indication of the reason for adjustments) and discounts. For information purposes an indication of the tax element can be provided.
A segment identifying the reference document against which payment is being made.
A segment giving the monetary amounts of each reference document (e.g., original amount, discount amount etc.). The amount due and the amount remitted are mandatory.
A segment specifying the date of the referenced document and indicating any other relevant dates applicable.
A segment including any additional references related to the reference document.
A segment identifying a party name and address, either by coded identification or in a clear form.
A group of segments specifying the currencies and the related dates and/or periods valid for the referenced document where different to the reference currency.
A segment identifying the currency and associated exchange rate of the referenced document where different to the remittance currency.
A segment specifying the date and/or time and/or period related to the rate of exchange.
A group of segments indicating adjustment amounts and their referenced documents.
A segment indicating any adjustments to the amounts originally specified in the referenced document, and to which items such adjustments apply with the associated reason for adjustment.
A segment giving the monetary amounts of the adjustments of each reference document (e.g. original amounts, discount amounts, etc.).
A segment including any additional references related to the reference documents.
A segment providing free text information related to the payment details.
A group of segments providing details of individual line items in the referenced document.
A segment identifying a specific line item within the referenced document.
A segment giving the monetary amounts for this line item.
A segment specifying item identification codes where required.
A segment specifying the date and/or time and/or period related to the line item.
A group of segments identifying the currency and the related dates and/or periods of the line item where different to the remittance and document currency.
A segment identifying the currency and associated exchange rate of the line item, where different to the source and target currency.
A segment specifying the effective date and/or time the rate of exchange was fixed.
A group of segments indicating adjustment amounts and their referenced documents for this line item.
A segment indicating any adjustments to the amounts originally specified for this line item and the reason for the adjustments.
A segment giving the monetary amounts of the adjustment for this line item.
A segment including any additional references related to the line item.
A segment providing free text information related to the payment details.
A group of segments indicating the end of the details of payment and specifying total amounts for control purposes.
A segment identifying the end of the details of payment.
A segment indicating total amounts for control purposes.
A segment providing information on control totals.
A group of segments indicating the total amount to be transferred in the message together with the date of availability.
A segment indicating the total amount to be transferred in the message.
A segment indicating the date of availability.
A group of segments specifying the details of any authentication (validation) procedures applied to the message.
A segment specifying details of any authentication (validation) procedures applied to the message.
A segment identifying the validation date and/or time.
A service segment ending a message, giving the total number of segments in the message (including the UNH & UNT) and the control reference number of the message.
| AJT | Adjustment details | |
| ALC | Allowance or charge | |
| AUT | Authentication result | |
| BGM | Beginning of message | |
| BUS | Business function | |
| CNT | Control total | |
| COM | Communication contact | |
| CTA | Contact information | |
| CUX | Currencies | |
| DLI | Document line identification | |
| DOC | Document/message details | |
| DTM | Date/time/period | |
| FCA | Financial charges allocation | |
| FII | Financial institution information | |
| FTX | Free text | |
| GEI | Processing information | |
| INP | Parties and instruction | |
| LIN | Line item | |
| LOC | Place/location identification | |
| MOA | Monetary amount | |
| NAD | Name and address | |
| PAI | Payment instructions | |
| PCD | Percentage details | |
| PIA | Additional product id | |
| PRC | Process identification | |
| RCS | Requirements and conditions | |
| RFF | Reference | |
| SEQ | Sequence details | |
| TAX | Duty/tax/fee details | |
| UNH | Message header | |
| UNT | Message trailer |
| ├─UNH Message header | ×1 | (M) |
| ├─BGM Beginning of message | ×1 | (M) |
| ├─DTM Date/time/period | ×1 | (M) |
| ├─BUS Business function | ×1 | (C) |
| ├─Segment Group 1 | ×1 | (C) |
| │─├─RFF Reference | ×1 | (M) |
| │─└─DTM Date/time/period | ×1 | (C) |
| ├─Segment Group 2 | ×5 | (C) |
| │─├─FII Financial institution information | ×1 | (M) |
| │─├─CTA Contact information | ×1 | (C) |
| │─└─COM Communication contact | ×5 | (C) |
| ├─Segment Group 3 | ×9999 | (M) |
| │─├─LIN Line item | ×1 | (M) |
| │─├─BUS Business function | ×1 | (C) |
| │─├─DTM Date/time/period | ×3 | (C) |
| │─├─Segment Group 4 | ×5 | (M) |
| │─│─├─FII Financial institution information | ×1 | (M) |
| │─│─├─CTA Contact information | ×1 | (C) |
| │─│─└─COM Communication contact | ×5 | (C) |
| │─├─Segment Group 5 | ×5 | (C) |
| │─│─├─RFF Reference | ×1 | (M) |
| │─│─└─DTM Date/time/period | ×1 | (C) |
| │─├─Segment Group 6 | ×4 | (M) |
| │─│─├─MOA Monetary amount | ×1 | (M) |
| │─│─├─CUX Currencies | ×1 | (C) |
| │─│─├─DTM Date/time/period | ×2 | (C) |
| │─│─└─RFF Reference | ×1 | (C) |
| │─├─Segment Group 7 | ×5 | (C) |
| │─│─├─FCA Financial charges allocation | ×1 | (M) |
| │─│─├─MOA Monetary amount | ×2 | (C) |
| │─│─└─Segment Group 8 | ×6 | (C) |
| │─│───├─ALC Allowance or charge | ×1 | (M) |
| │─│───├─PCD Percentage details | ×1 | (C) |
| │─│───├─MOA Monetary amount | ×2 | (C) |
| │─│───├─CUX Currencies | ×1 | (C) |
| │─│───├─DTM Date/time/period | ×1 | (C) |
| │─│───└─Segment Group 9 | ×6 | (C) |
| │─│─────├─TAX Duty/tax/fee details | ×1 | (M) |
| │─│─────├─MOA Monetary amount | ×2 | (C) |
| │─│─────├─CUX Currencies | ×1 | (C) |
| │─│─────└─DTM Date/time/period | ×1 | (C) |
| │─├─Segment Group 10 | ×3 | (C) |
| │─│─├─INP Parties and instruction | ×1 | (M) |
| │─│─├─FTX Free text | ×1 | (C) |
| │─│─└─DTM Date/time/period | ×2 | (C) |
| │─├─Segment Group 11 | ×10 | (C) |
| │─│─├─GEI Processing information | ×1 | (M) |
| │─│─├─MOA Monetary amount | ×1 | (C) |
| │─│─├─LOC Place/location identification | ×2 | (C) |
| │─│─├─NAD Name and address | ×1 | (C) |
| │─│─├─RCS Requirements and conditions | ×1 | (C) |
| │─│─└─FTX Free text | ×10 | (C) |
| │─└─Segment Group 12 | ×99999 | (M) |
| │───├─SEQ Sequence details | ×1 | (M) |
| │───├─BUS Business function | ×1 | (C) |
| │───├─DTM Date/time/period | ×6 | (C) |
| │───├─Segment Group 13 | ×4 | (M) |
| │───│─├─FII Financial institution information | ×1 | (M) |
| │───│─├─CTA Contact information | ×1 | (C) |
| │───│─└─COM Communication contact | ×5 | (C) |
| │───├─Segment Group 14 | ×6 | (C) |
| │───│─├─RFF Reference | ×1 | (M) |
| │───│─└─DTM Date/time/period | ×1 | (C) |
| │───├─Segment Group 15 | ×1 | (C) |
| │───│─├─PAI Payment instructions | ×1 | (M) |
| │───│─└─FTX Free text | ×1 | (C) |
| │───├─Segment Group 16 | ×4 | (M) |
| │───│─├─MOA Monetary amount | ×1 | (M) |
| │───│─├─CUX Currencies | ×1 | (C) |
| │───│─├─DTM Date/time/period | ×2 | (C) |
| │───│─└─RFF Reference | ×1 | (C) |
| │───├─Segment Group 17 | ×6 | (C) |
| │───│─├─NAD Name and address | ×1 | (M) |
| │───│─├─CTA Contact information | ×1 | (C) |
| │───│─└─COM Communication contact | ×5 | (C) |
| │───├─Segment Group 18 | ×10 | (C) |
| │───│─├─GEI Processing information | ×1 | (M) |
| │───│─├─MOA Monetary amount | ×1 | (C) |
| │───│─├─LOC Place/location identification | ×2 | (C) |
| │───│─├─NAD Name and address | ×1 | (C) |
| │───│─├─RCS Requirements and conditions | ×1 | (C) |
| │───│─└─FTX Free text | ×10 | (C) |
| │───├─Segment Group 19 | ×4 | (C) |
| │───│─├─INP Parties and instruction | ×1 | (M) |
| │───│─├─FTX Free text | ×1 | (C) |
| │───│─└─DTM Date/time/period | ×2 | (C) |
| │───├─Segment Group 20 | ×5 | (C) |
| │───│─├─FCA Financial charges allocation | ×1 | (M) |
| │───│─├─MOA Monetary amount | ×2 | (C) |
| │───│─└─Segment Group 21 | ×6 | (C) |
| │───│───├─ALC Allowance or charge | ×1 | (M) |
| │───│───├─PCD Percentage details | ×1 | (C) |
| │───│───├─MOA Monetary amount | ×2 | (C) |
| │───│───├─CUX Currencies | ×1 | (C) |
| │───│───├─DTM Date/time/period | ×2 | (C) |
| │───│───└─Segment Group 22 | ×6 | (C) |
| │───│─────├─TAX Duty/tax/fee details | ×1 | (M) |
| │───│─────├─MOA Monetary amount | ×2 | (C) |
| │───│─────├─CUX Currencies | ×1 | (C) |
| │───│─────└─DTM Date/time/period | ×1 | (C) |
| │───└─Segment Group 23 | ×1 | (C) |
| │─────├─PRC Process identification | ×1 | (M) |
| │─────├─FTX Free text | ×5 | (C) |
| │─────├─Segment Group 24 | ×9999 | (C) |
| │─────│─├─DOC Document/message details | ×1 | (M) |
| │─────│─├─MOA Monetary amount | ×5 | (C) |
| │─────│─├─DTM Date/time/period | ×5 | (C) |
| │─────│─├─RFF Reference | ×5 | (C) |
| │─────│─├─NAD Name and address | ×2 | (C) |
| │─────│─├─Segment Group 25 | ×5 | (C) |
| │─────│─│─├─CUX Currencies | ×1 | (M) |
| │─────│─│─└─DTM Date/time/period | ×1 | (C) |
| │─────│─├─Segment Group 26 | ×100 | (C) |
| │─────│─│─├─AJT Adjustment details | ×1 | (M) |
| │─────│─│─├─MOA Monetary amount | ×1 | (M) |
| │─────│─│─├─RFF Reference | ×1 | (C) |
| │─────│─│─└─FTX Free text | ×5 | (C) |
| │─────│─└─Segment Group 27 | ×9999 | (C) |
| │─────│───├─DLI Document line identification | ×1 | (M) |
| │─────│───├─MOA Monetary amount | ×5 | (M) |
| │─────│───├─PIA Additional product id | ×5 | (C) |
| │─────│───├─DTM Date/time/period | ×5 | (C) |
| │─────│───├─Segment Group 28 | ×5 | (C) |
| │─────│───│─├─CUX Currencies | ×1 | (M) |
| │─────│───│─└─DTM Date/time/period | ×1 | (C) |
| │─────│───└─Segment Group 29 | ×10 | (C) |
| │─────│─────├─AJT Adjustment details | ×1 | (M) |
| │─────│─────├─MOA Monetary amount | ×1 | (M) |
| │─────│─────├─RFF Reference | ×1 | (C) |
| │─────│─────└─FTX Free text | ×5 | (C) |
| │─────└─Segment Group 30 | ×1 | (C) |
| │───────├─GEI Processing information | ×1 | (M) |
| │───────└─MOA Monetary amount | ×5 | (C) |
| ├─CNT Control total | ×5 | (M) |
| ├─Segment Group 31 | ×1 | (C) |
| │─├─MOA Monetary amount | ×1 | (M) |
| │─└─DTM Date/time/period | ×1 | (C) |
| ├─Segment Group 32 | ×5 | (C) |
| │─├─AUT Authentication result | ×1 | (M) |
| │─└─DTM Date/time/period | ×1 | (C) |
| └─UNT Message trailer | ×1 | (M) |