XML ACCOUNT STATEMENT. Service Description

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1 XML ACCOUNT STATEMENT Service Description October 2011

2 OY SAMLINK AB SERVICE DESCRIPTION 2 (18) Table of contents Table of contents Error! No table of contents entries found.

3 OY SAMLINK AB SERVICE DESCRIPTION 3 (18) 1 General This document comprises a service description of an account statement material in XML format. The material is created available for download in a channel agreed upon with the customer. The XML account statement produced by Samlink corresponds with the content and structure described in the ISO Account Statement Guide of the Federation of Finnish Financial Services (FK), with a few exceptions. This service description applies to Aktia, Handelsbanken, Itella Bank, POP Banks and Savings Banks. 2 XML account statement The XML account statement can be downloaded through the Web Services channel or the Corporate Network Service (batch transfer), but not through the Patu channel. The message type used in the XML account statement is the Bank-to-Customer Statement message (camt BankToCustomerStatementV02). Through the Bank-to-Customer Statement message, the bank reports registered account transactions, any itemisations and bala information. It is an official account statement provided by the bank and approved by the Accounting Standards Board. The structure of the material is described below.

4 OY SAMLINK AB SERVICE DESCRIPTION 4 (18) 1..1 GrpHrd BkToCstmrStmt Stmt Acct RltdAcct Bal TxsSummary 0..n 1..1 Ntry BkTxCd 0..n 0..1 NtryDtls Btch 0..n 0..1 TxDtls 0..1 Refs AmtDtls Chrgs RltdPties The section corning the structure of the account statement material describes the content of the XML account statement produced by Samlink. The Recnt column in the table is described in the following: 1..1 data available at all times 0..1 data can be available or missing 0...n data can occur between zero and n times 1..n data occurs at least o, but it can also occur more frequently The application ID of the XML account statement material retrieved through Samlink s batch transfer is XT for all banks. A single material contains one account statement (one group header and one statement). Instructions for retrieving the XML account statement through Web Services The material is downloaded using the DownloadFileList operation following the same procedure as is applied to other downloaded material. The XT material type is to be set in the FileType element in the ApplicationRequest message. XML account statements are UTF-8 encoded similarly to other XML material. In the Web Services channel, the maximum size of the material is 30 MB. A test account statement and its downloading instructions were added to this service description in autumn RmtInf

5 OY SAMLINK AB SERVICE DESCRIPTION 5 (18)

6 OY SAMLINK AB SERVICE DESCRIPTION 6 (18) 3 Structure of the account statement material XML message data: Group header ur re GroupHeader <GrpHdr> 1..1 MessageIdentificati <GrpHdr> FI on <MsgId> Identifier of the message formed by the bank CreationDateTime <GrpHdr> <CreDtTm> T23:05: The time the account statement message was generated Statement Statement <Stmt> 1..n Statement Id <Stmt><Id> 1..1 Account statement ID Format: yyyymmdd + account number + running number/date ElectronicSeque Number LegalSequeNu mber <Stmt> <ElctrnSeqNb> <Stmt> <LglSeqNb> 0..1 Not in use Account statement number. Daily and periodical account statements have separate numbers The time the account 12T23:05: statement was generated 1..1 The first day of the account statement period CreationDateTime <Stmt> <CreDtTm> FromDateTime <Stmt> <FrToDt><FrDt Tm> ToDateTime <Stmt> 1..1 The final day of the <FrToDt> account statement period <ToDtT> Account <Stmt><Acct> 1..1 <Stmt><Acct> 1..1 FI Account number

7 OY SAMLINK AB SERVICE DESCRIPTION 7 (18) <Id><IBAN> Type <Stmt><Acct> <Tp><Cd> Cncy <Stmt><Acct> <Ccy> Owner Name <Stmt><Acct> Servicer/FinancialI nstitutionidentificat ion Related Account Additional Statement Information <Own><Nm> <Stmt><Acct> <Svcr> <FinInstnId> <BIC> <Stmt> <RltdAcct><Id> <IBAN> <Stmt> <AddtlStmtInf> 1..1 Default CACC = Cnt 1..1 Cncy code of the account 0..1 Name of the account owner 1..1 HELSFIHH (Aktia, BIC code of the Savings Banks and POP reporting bank Banks) HANDFIHH (Handelsbanken) ITELFIHH (Itella Bank) 0..1 If the statement account (Account) is a subaccount of a consolidated account, the account number of the primary account is stated here Message provided by the bank Balas Bala <Stmt><Bal> 1..n Type/Code <Stmt><Bal> <Tp> <CdOrPrty> <Cd> Included <Stmt><Bal> <CdtLine> <Incl> 1..1 Bala types OPBD = Opening bala CLBD = Closing bala CLAV = Available bala 1..1 This indicates whether any account limit has been taken into account in the bala (FALSE/TRUE).

8 OY SAMLINK AB SERVICE DESCRIPTION 8 (18) Amount <Stmt><Bal> <CdtLine> <Amt> Amount <Stmt><Bal> <Amt> CreditDebitIndicato <Stmt><Bal> r Date <CdtDbtInd> <Stmt><Bal> <Dt><Dt> 0..1 Account limit amount 1..1 EUR 2, Account cncy and bala 1..1 CRDT = Positive bala DBIT = Negative bala Bala date Transaction Summary TransactionSumma <TxsSummry> 1..1 ry TotalEntries <TtlNtries> TotalCreditEntries TotalCreditEntries TotalDebitEntries TotalDebitEntries Statement Entry <NbOfNtries> <TtlCdtNtries> <NbOfNtries> <TtlCdtNtries> <Sum> <TtlDbtNtries> <NbOfNtries> <TtlDbtNtries> <Sum> 1..1 Number of all entries in the account statement 1..1 Number of all deposit entries in the account statement 1..1 Total amount of all deposit entries in the account statement 1..1 Number of all withdrawal transactions in the account statement 1..1 Total amount of all withdrawal transactions in the account statement Statement Entry <Stmt> 0 n Amount <Amt> 1..1 EUR Transaction cncy and amount CreditDebitIndicato r <CdtDbtInd> 1..1 DBIT = Withdrawal CRDT = Deposit

9 OY SAMLINK AB SERVICE DESCRIPTION 9 (18) Status <Sts> 1..1 BOOK = Transaction entered in the account Booking Date <BookgDt> <Dt> Registration date ValueDate AccountServicer Refere BankTransactionCo de/ Domain FamilyCode <ValDt> <Dt> <AcctSvcrRef> <BkTxCd> <Domn> <Cd> <BkTxCd> <Domn> <Family> <Cd> Value date 0..1 Archive ID of the transaction 1..1 PMNT = Payments LDAS= Loans and deposits CAMT= Cash Management (sweeping, topping, etc.) NTAV = Not available 1..1 RCDT =Received Credit Transfers ICDT =Issued Credit Transfers MCRD = Merchant Card Transaction IDDT = Issued Direct Debits RDDT = Received Direct Debits CCRD = Customer Card Transactions ICHQ = Issued Cheques MDOP = Miscellaneous Debit Operations MCOP = Miscellaneous Credit Operations ACCB = Account Balancing NTAV = Not available SubFamilyCode <BkTxCd> <Domn> <Family> 1..1 ESCT = SEPA Credit Transfer SALA = SEPA Credit Transfer / Sala

10 OY SAMLINK AB SERVICE DESCRIPTION 10 (18) <SubFmlyCd> DMCT = Domestic Credit Transfer NTAV = Not available INTR = Interest OTHR = Other RIMB = Reimbursement PMDD = Direct Debit STDO = Standing Order CHRG = Charges XBCT = Cross-Border Credit Transfer ZABA = Zero Balancing SWEP = Sweeping TOPG = Topping Proprietary Code Issuer Message Payment Information NumberOf Transactions Transaction Details AccountServicer Refere InstructionIdentific ation <BkTxCd> <Prtry><Cd> <BkTxCd> <Prtry> <Issr> <Btch> <MsgId> <Btch> <PmtInfId> <Btch> <NbOfTxs> <Tx Dtls><Refs> <AcctSvcrRef> Recurring transaction Registration code + registration code in plain text 0..1 Default FFFS Payment message identification, if any, provided by the payer. Otherwise blank Batch identification, if any, provided by the payer. Otherwise blank Number of transactions related to the consolidated transaction 1..n 0..1 Archive ID of the transaction 0..1 Information provided by the payer for himself or herself

11 OY SAMLINK AB SERVICE DESCRIPTION 11 (18) EndToEndIdentific ation ProprietaryType Proprietary Refere <Refs><InstrId> <Refs> <EndToEndId> <Refs> <Prtry><Tp> <Refs> <Prtry><Ref> 0..1 Information provided by the payer for the recipient 0..1 Card number of a card transaction. ORIG for correcting transactions 0..1 A shop s archive refere for a card transaction or the default value CARD. The original archive ID of a correcting transaction Instructed amount Transaction Amount SourceCncy TargetCncy <AmtDtls> <lnstrdamt> <Amt> <AmtDtls> <TxAmt> <Amt> <AmtDtls> <TxAmt> <CcyXchg> <SrcCcy> 0..1 SEK 1, Cncy code (ISO) and amount of a payment denominated in a foreign cncy 0..1 EUR Cncy code and amount (in the account cncy) of a payment amount 0..1 Original payment cncy 0..1 Account cncy

12 OY SAMLINK AB SERVICE DESCRIPTION 12 (18) <AmtDtls> <TxAmt> <CcyXchg> UnitCncy ExchangeRate Contract <TrgCcy> <AmtDtls> <TxAmt> <CcyXchg> <UnitCcy> <AmtDtls> <TxAmt> <CcyXchg> <XchgRate> <AmtDtls> <TxAmt> <CcyXchg> <CtrctId> Proprietary Amount <AmtDtls> <PrtryAmt> Debtor Name Address <Dbtr><Nm> 0..1 Cncy used in exchange 0..1 Exchange rate 0..1 Exchange rate refere When a payment is made in USD in an SEK account, this structure is used. The structure is repeated twice (USD EUR and EUR SEK, with separate exchange information) The payer s name. Used for crediting transactions 0..1 The payer s address. Used for crediting transactions

13 OY SAMLINK AB SERVICE DESCRIPTION 13 (18) <Dbtr> <PstlAdr> Organization OR <AdrLine> <RltPties> <Dbtr><Id> <OrgId> <Othr><Id> 0..1 The payer s ID Private Ultimate Debtor UltimateDebtor Organization OR Private <RltPties> <Dbtr><Id> <PrvId> <Othr><Id> <UltmtDbtr> <Nm> <RltPties> <UltmDbtr> <Id> <OrgId> <Othr><Id> <RltPties> <UltmDbtr> <Id><PrvId> The payer s ID 0..1 Name of the original payer 0..1 ID of the original payer ID of the original payer

14 OY SAMLINK AB SERVICE DESCRIPTION 14 (18) Creditor Name Address Organization <Othr><Id> <Cdtr><Nm> <Cdtr> <PstlAdr> <Adrline> <RltPties> <Cdtr><Id> <OrgId> <Othr><Id> 0..1 The recipient s name 0..1 The recipient s address 0..1 The recipient s ID OR Private Creditor Account/IBAN OR Creditor Account/other <RltPties> <Cdtr><Id> <PrvId><Othr> <Id> <CdtrAcct> <Id><IBAN> The recipient s ID 0..1 The recipient s IBAN account The recipient s account if other than IBAN

15 OY SAMLINK AB SERVICE DESCRIPTION 15 (18) <CdtrAcct> <Id><Othr> Scheme Name Type/proprietary Ultimate Creditor Name Organization OR Private <Id> <CdrtAcct> <Id><Othr> <SchmeNm> <Cd> <CdtrAcct> <Tp><Prtry> <UltmtCdtr> <Nm> <RltPties> <UltmCdrt> <Id> <OrgId> <Othr><Id> <RltPties> <UltmCdtr> <Id> <PrvId> <Othr><Id> 0..1 If the recipient s account is other than IBAN, BBAN is entered here If the bank has changed the account number, ACWC is entered here Name of the ultimate recipient 0..1 ID of the ultimate recipient ID of the ultimate recipient

16 OY SAMLINK AB SERVICE DESCRIPTION 16 (18) Related Agent CreditorAgent <RltdAgts> <CdtrAgt> <FinInstnId> <BIC> 0..1 BIC of the recipient s bank Purpose/Code OR Purpose/Proprietary AcceptaDate <Purp><Cd> <Purp><Prtry> <RltdDts> <AccptncDtTm > 0..1 Purpose of payment If the transaction is a recurring payment and credit and no code was found in the previous field, the purpose of the payment is entered in this field in plain text Payment date Format: yyyy-mm-dd + default T + hh:mm:ss + default +02:00 In addition, the following data can be associated with the payment. Remitta Information Free-format message in the payment: 0..1 Remitta Information/Unstru ctured <Ustrd> Free-form message

17 OY SAMLINK AB SERVICE DESCRIPTION 17 (18) Payment refere: 0..1 Refere Type Code Issuer Refere <CdtrRefInf> <Tp> <CdOrPrtry> <Cd> <CdtrRefInf> <Tp><Issr> <CdtrRefInf> <Ref> SCOR = There is a refere When the refere is international, the default value is ISO. Refere Itemisations related to the payment Type/Code <RfrdDocInf> <Tp> <CdOrPrtry> <Cd> Number <RfrdDocInf> <Nb> RelatedDate 0..n Invoice type CREN = Credit invoice CINV = Invoice 123 Invoice number Invoice date

18 OY SAMLINK AB SERVICE DESCRIPTION 18 (18) <RfrdDocInf> <RltdDt> Amount <RfrdDocAmt> <RmtdAmt> Refere Type Code Issuer Refere Organization Id Additional Information <CdtrRefInf> <Tp> <CdOrPrtry> <Cd> <CdtrRefInf> <Tp><Issr> <CdtrRefInf> <Ref> <Invcr> <Id><OrgId> <Othr><Id> <AddtlRmtInf> EUR Amount and cncy When the payment has a refere, the default value is SCOR. When the refere is international, the default value is ISO. Refere Customer number Message in the invoice itemisation

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