Real-time gross settlement...RTGS UDFS Page 2 of 748 Table of contents Introduction ..... 32...

User detailed functional specifications

Author

Version

Date

4CB

1.0

30 November 2018

All rights reserved.

Real-time gross settlement

Table of contents

All rights reserved. RTGS UDFS Page 2 of 748

Table of contents

Introduction ........................................................................................................................... 32

Reader's guide ....................................................................................................................... 33

Part I - General features of RTGS .................................................................... 35

1 Overview of RTGS ................................................................................................................. 35

2 Access to RTGS .................................................................................................................... 37

2.1 Connectivity (U2A/A2A) .......................................................................................... 37

2.2 Authentication and authorisation in RTGS.............................................................. 38

2.3 Authentication and authorisation in ESMIG ............................................................ 39

2.3.1 Authentication and authorisation concepts ........................................................... 39

2.3.1.1 User…………. .......................................................................................... 39

2.3.1.2 Certificate…… ......................................................................................... 39

2.3.1.3 Distinguished name ................................................................................. 39

2.3.1.4 Technical sender ..................................................................................... 40

2.3.1.5 Business sender ...................................................................................... 40

2.3.2 Authentication process ......................................................................................... 40

2.3.3 Authorisation process ........................................................................................... 41

2.4 Security ................................................................................................................... 41

2.4.1 Confidentiality ....................................................................................................... 41

2.4.2 Integrity……. ......................................................................................................... 41

2.4.3 Availability… ......................................................................................................... 42

2.4.4 Monitoring…. ......................................................................................................... 42

2.4.5 Auditability… ......................................................................................................... 42

2.5 Graphical User Interface ......................................................................................... 42

2.6 Routing .................................................................................................................... 42

2.6.1 ESMIG routing functions ....................................................................................... 46

2.6.1.1 Inbound routing ........................................................................................ 47

2.6.1.2 Outbound routing ..................................................................................... 48

3 Parties and accounts ............................................................................................................ 49

3.1 Parties… ................................................................................................................. 49

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3.1.1 Set-up of parties .................................................................................................... 49

3.1.2 Concept of party in RTGS ..................................................................................... 50

3.1.3 RTGS – specific party service types ..................................................................... 51

3.1.4 Reference data for parties used by RTGS ........................................................... 51

3.1.5 Participation types for RTGS directory ................................................................. 52

3.1.6 Blocking/unblocking party ..................................................................................... 54

3.2 Accounts structure and functionalities .................................................................... 54

3.2.1 Account types ....................................................................................................... 55

3.2.2 Reference data for accounts used by RTGS ........................................................ 57

3.2.3 Functionalities ....................................................................................................... 59

3.2.4 Messaging… ......................................................................................................... 63

3.2.5 Blocking/unblocking account ................................................................................ 65

3.3 Types of groups ...................................................................................................... 66

3.4 Shared reference data ............................................................................................ 67

3.5 Interaction between RTGS and CRDM ................................................................... 71

4 Business day ......................................................................................................................... 73

4.1 Business calendar ................................................................................................... 73

4.2 Business day management .................................................................................... 73

4.3 Detailed description of business day phases ......................................................... 75

4.3.1 Start-of-Day and settlement windows ................................................................... 75

4.3.2 Maintenance window ............................................................................................ 76

4.3.3 End-of-Day… ........................................................................................................ 76

4.4 Dependencies to other services or components .................................................... 77

5 Business and features description ..................................................................................... 79

5.1 Payment types ........................................................................................................ 79

5.1.1 Overview….. ......................................................................................................... 79

5.1.2 Comparison of different priority classes................................................................ 80

5.1.3 Definition of execution time ................................................................................... 81

5.1.4 Warehouse functionality ....................................................................................... 83

5.1.5 Backup payments ................................................................................................. 84

5.1.5.1 Backup contingency payments ................................................................ 84

5.1.5.2 Backup liquidity redistribution payments ................................................. 85

5.1.5.3 Rules for backup payments ..................................................................... 86

5.1.5.3.1 Generation… ........................................................................................ 86

5.1.5.3.2 Notification of affected account holder (sender) ................................... 87

5.1.5.3.3 Notification to the receiver .................................................................... 87

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5.1.5.3.4 Subsequent delivery of single payments .............................................. 87

5.1.6 Payment priorities ................................................................................................. 88

5.2 Payments processing and settlement of payments ................................................ 89

5.2.1 Overview….. ......................................................................................................... 89

5.2.2 Concept of payment submitters ............................................................................ 90

5.2.3 Flow of payment related messages ...................................................................... 92

5.2.3.1 Payments sent from an RTGS Account Holder to another RTGS

Account Holder….. ........................................................................... 92

5.2.3.2 Payments sent from a multi-addressee to an RTGS Account Holder ..... 98

5.2.3.3 Payments sent from an ancillary system ............................................... 100

5.2.3.4 Payments sent from a CB on behalf of an RTGS Account Holder

(mandated payment) to another RTGS Account Holder ................ 104

5.2.4 Rejection of payments ........................................................................................ 106

5.2.4.1 Technical validations ............................................................................. 106

5.2.4.2 Business validations .............................................................................. 109

5.2.5 Amendment of payments .................................................................................... 111

5.2.6 Revocation of payments ..................................................................................... 114

5.2.7 Processing of payments ..................................................................................... 120

5.2.7.1 Entry disposition .................................................................................... 121

5.2.7.1.1 General remarks ................................................................................. 121

5.2.7.1.2 Settlement of cash transfers in the entry disposition.......................... 122

5.2.7.2 Comprehensive queue management .................................................... 125

5.2.7.3 Dissolution of the payment queue ......................................................... 128

5.2.7.3.1 Settlement of queued urgent/high cash transfers .............................. 128

5.2.7.3.2 Settlement of queued normal payments ............................................ 129

5.2.7.3.3 Algorithm: “Optimisation on sub-accounts” ........................................ 134

5.2.7.4 Treatment of backup payments in the settlement process .................... 135

5.3 Settlement for ancillary systems ........................................................................... 136

5.3.1 Overview….. ....................................................................................................... 136

5.3.2 AS settlement procedure A ................................................................................. 140

5.3.3 AS settlement procedure B ................................................................................. 144

5.3.4 Settlement on dedicated liquidity accounts (AS settlement procedure C and

AS settlement procedure D) ........................................................................ 148

5.3.4.1 AS settlement procedure C ................................................................... 150

5.3.4.2 AS settlement procedure D ................................................................... 158

5.3.4.3 Cross-ancillary system settlement ......................................................... 162

5.3.5 Processing of payment orders sent by ancillary system ..................................... 164

5.3.6 Optional connected mechanisms ........................................................................ 167

5.4 Liquidity management ........................................................................................... 174

5.4.1 Available liquidity ................................................................................................ 174

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5.4.2 Liquidity transfer .................................................................................................. 174

5.4.2.1 Overview…….. ...................................................................................... 174

5.4.2.2 Initiation of liquidity transfers ................................................................. 176

5.4.2.3 Execution of liquidity transfers ............................................................... 178

5.4.2.4 Liquidity transfer process....................................................................... 179

5.4.2.4.1 Immediate intra-service liquidity transfer between two RTGS

DCAs…. ...................................................................................... 180

5.4.2.4.2 Immediate inter-service liquidity transfer from an RTGS DCA to an

MCA……. .................................................................................... 181

5.4.2.4.3 Immediate inter-service liquidity transfer from an RTGS DCA to a

DCA in a different service ........................................................... 183

5.4.2.4.4 Immediate inter-service liquidity transfer from a DCA in a different

service to an RTGS DCA ............................................................ 185

5.4.2.4.5 System-generated liquidity transfers .................................................. 187

5.4.2.5 Rejection of liquidity transfer orders ...................................................... 189

5.4.3 Liquidity management features ........................................................................... 190

5.4.3.1 Reservation……… ................................................................................. 190

5.4.3.1.1 Overview….. ....................................................................................... 190

5.4.3.1.2 Effect and tapping of liquidity reservation .......................................... 192

5.4.3.2 Limits………… ....................................................................................... 194

5.4.3.2.1 Overview….. ....................................................................................... 194

5.4.3.2.2 Effect of limits ..................................................................................... 197

5.4.3.3 Dedication of liquidity for ancillary system settlement ........................... 200

5.4.3.4 Floor/ceiling… ........................................................................................ 201

5.4.3.4.1 Definition of floor/ceiling threshold ..................................................... 201

5.4.3.4.2 Breach of floor/ceiling threshold - notification .................................... 202

5.4.3.4.3 Breach of floor/ceiling threshold - rule-based liquidity transfer .......... 202

5.4.3.5 Rule-based liquidity transfers due to pending payment orders or AS

transfer orders ................................................................................ 204

5.5 Information management for RTGS ...................................................................... 205

5.5.1 RTGS status management ................................................................................. 205

5.5.1.1 Concept…….. ........................................................................................ 205

5.5.1.2 Overview……. ....................................................................................... 205

5.5.1.3 Status management process ................................................................. 206

5.5.2 RTGS report generation ..................................................................................... 222

5.5.2.1 Concept…….. ........................................................................................ 222

5.5.2.2 Overview……. ....................................................................................... 223

5.5.2.3 Report generation process .................................................................... 223

5.5.3 Query management for RTGS ............................................................................ 225

5.5.3.1 Concept for RTGS ................................................................................. 225

5.5.3.2 Overview for RTGS ............................................................................... 225

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5.5.3.3 Query management process for RTGS ................................................. 226

6 Overview of used common components in RTGS ........................................................... 228

6.1 CRDM… ................................................................................................................ 228

6.1.1 Concept………. ................................................................................................... 228

6.1.2 Overview….. ....................................................................................................... 228

6.1.3 Access rights ....................................................................................................... 229

6.1.3.1 Access rights concepts .......................................................................... 229

6.1.3.1.1 User function ...................................................................................... 229

6.1.3.1.2 Privilege……… ................................................................................... 229

6.1.3.1.3 Role…………. .................................................................................... . 242

6.1.3.1.4 User…………...................................................................................... 243

6.1.3.1.5 Common reference data objects and the hierarchical party model .... 243

6.1.3.1.6 Data scope……. ................................................................................. 243

6.1.3.2 Access rights configuration ................................................................... 245

6.1.3.2.1 Configuration of users ........................................................................ 246

6.1.3.2.2 Configuration of privileges .................................................................. 246

6.1.3.2.3 Configuration of roles ......................................................................... 253

6.1.3.3 Access rights configuration process ...................................................... 255

6.1.3.3.1 Configuration of access rights at party level ...................................... 257

6.1.3.3.2 Configuration of access rights at user level ....................................... 259

6.1.4 Message subscription ......................................................................................... 260

6.1.4.1 Message subscription configuration ...................................................... 260

6.1.4.2 Message subscription parameter types ................................................. 260

6.1.4.3 Message subscription examples ........................................................... 261

6.1.5 Common reference data maintenance process .................................................. 262

6.1.5.1 Common reference data objects ........................................................... 262

6.1.5.2 Reference data maintenance types ....................................................... 265

6.1.5.3 Validity of common reference data objects ........................................... 266

6.1.5.4 Common reference data archiving and purging .................................... 270

6.1.5.5 Lifecycle of common reference data objects ......................................... 271

6.1.5.6 Common reference data propagation .................................................... 274

6.2 DWH….. ................................................................................................................ 279

6.2.1 Introduction… ...................................................................................................... 280

6.2.2 Scope of DWH .................................................................................................... 280

6.2.3 Access……….. .................................................................................................... 280

6.2.3.1 Connectivity…. ...................................................................................... 280

6.2.3.2 Authentication and authorisation ........................................................... 280

6.2.4 User roles and access rights .............................................................................. 280

6.2.4.1 Overview…….. ...................................................................................... 280

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6.2.4.2 User rights……. ..................................................................................... 280

6.2.4.3 User profiles….. ..................................................................................... 280

6.2.5 Data warehouse queries and reports.................................................................. 280

6.2.5.1 Overview……… ..................................................................................... 280

6.2.5.2 Types of queries and reports ................................................................. 280

6.2.5.3 Predefined queries and reports ............................................................. 280

6.3 Billing… ................................................................................................................. 280

6.4 Legal archiving ...................................................................................................... 281

6.5 ESMIG. ................................................................................................................. 281

6.5.1 ESMIG features overview ................................................................................... 281

6.5.1.1 Authentication of the message sender .................................................. 281

6.5.1.2 Participation to the Closed Group of Users ........................................... 281

6.5.1.3 Validation of the received messages ..................................................... 281

6.5.1.4 Message forwarding .............................................................................. 282

6.5.2 Access to ESMIG ................................................................................................ 282

6.5.2.1 Single access point for the external communication ............................. 282

6.5.2.2 Network agnostic communication .......................................................... 282

6.5.3 ESMIG Portal ...................................................................................................... 282

7 Contingency services ......................................................................................................... 284

8 Operations and support...................................................................................................... 285

8.1 Business application configuration ....................................................................... 285

8.2 Calendar management ......................................................................................... 285

8.3 Business day management .................................................................................. 285

8.4 Business and operations monitoring ..................................................................... 285

8.5 Possible actions of operator service desk in ESMIG ............................................ 285

8.5.1 Technical monitoring ........................................................................................... 285

8.6 Archiving management ......................................................................................... 285

8.7 Trouble management ............................................................................................ 285

9 Additional information for CBs .......................................................................................... 286

9.1 Role of CBs in RTGS ............................................................................................ 286

9.2 Settlement of payments - specific functions for CBs ............................................ 287

9.3 RTGS General Ledger .......................................................................................... 287

9.3.1 RTGS general ledgers production ...................................................................... 287

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9.3.2 RTGS general ledgers content ........................................................................... 288

9.4 Query management - specific functions for CBs .................................................. 288

9.5 Billing - specific functions for CBs ......................................................................... 289

9.6 Contingency - specific functions for CBs .............................................................. 289

Part II - Dialogue with the RTGS Account Holder ......................................... 290

10 Processes with RTGS ......................................................................................................... 290

10.1 Send file ................................................................................................................ 293

10.2 Send message ...................................................................................................... 295

10.3 Process payment order and liquidity transfer order .............................................. 296

10.3.1 Description…… ................................................................................................... 296

10.3.2 Messages…….. .................................................................................................. 298

10.4 Request payment order revocation or recall ......................................................... 299

10.4.1 Description…… ................................................................................................... 299

10.4.2 Messages…. ....................................................................................................... 302

10.5 Reject or confirm payment order recall ................................................................. 302

10.5.1 Description…. ..................................................................................................... 302

10.5.2 Messages……. ................................................................................................... 304

10.6 Modify payment order ........................................................................................... 305

10.6.1 Description… ...................................................................................................... 305

10.6.2 Messages……. ................................................................................................... 307

10.7 Execute RTGS standing order .............................................................................. 307

10.7.1 Description…. ..................................................................................................... 307

10.7.2 Messages……. ................................................................................................... 310

10.8 Settle RTGS standing order .................................................................................. 310

10.8.1 Description… ..................................................................................................... . 310

10.8.2 Messages…. ....................................................................................................... 312

10.9 Process standard RTGS settlement ..................................................................... 313

10.9.1 Description… ...................................................................................................... 313

10.9.2 Messages…. ....................................................................................................... 319

10.10 Process rule-based liquidity transfer ..................................................................... 319

10.10.1 Description… ...................................................................................................... 319

10.10.2 Messages…. ....................................................................................................... 321

10.11 Process floor and ceiling ....................................................................................... 321

_RefF6724D0745ACCC8101AD2E1E2958C2B2_RefFCC26A5343D8A633488DB46EA3C63702_Ref21551B07D3D0F2305B0425AA6FC15791_Ref477B5582444F2809912014F9446A54F2_Ref986CFCF7FB2F2FD29A4D7897F0D02F91_Ref154D363807BF1307B1ADA471DAB85F8D_RefA839B80E2240DABB74ACC88F6B6AD1E1_RefC274EA1072CC92F77DAD65F09693047C_RefD87ED7EAFBF92DE9B2930267AA9270EB_Ref2B257F95933030C32DEDB1F2508D2749_Ref915BC6A24C134DB46659C664866E0FDA_RefEA9D1E0E3A5363484A2554CA35676EF6_RefFDEFD4952A1EC2F9AF4A69AB7F6BA57C_Ref4DBEABB7A62821E51752BF44FA5EBFDE_RefCD7CACEAE4FA640407BF96A7F40DD7F9_Ref71DAC5B64C11F4D0DB0973633DE420D7_RefAF0E618814A019470A45B671C06ADB68

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10.11.1 Description…. ..................................................................................................... 321

10.11.2 Messages…. ....................................................................................................... 323

10.12 Process reject time ............................................................................................... 323

10.13 Ancillary system payment settlement ................................................................... 324

10.13.1 Send AS transfer initiation .................................................................................. 324

10.13.1.1 Description…. ........................................................................................ 324

10.13.1.2 Messages…… ....................................................................................... 326

10.13.2 Initiate AS settlement for settlement procedures A and B .................................. 326

10.13.3 Perform AS settlement procedure B ................................................................... 328

10.13.3.1 Description…. ........................................................................................ 328

10.13.3.2 Messages…… ....................................................................................... 330

10.13.4 Reverse settled debits ........................................................................................ 330

10.13.4.1 Description…. ........................................................................................ 330

10.13.4.2 Messages…… ....................................................................................... 332

10.13.5 Send AS transfer notifications ............................................................................ 332

10.13.5.1 Description…. ........................................................................................ 332

10.13.5.2 Messages……. ...................................................................................... 334

10.13.6 Notify guarantee fund mechanism initiation ........................................................ 334

10.13.6.1 Description…. ........................................................................................ 334

10.13.6.2 Messages……… ................................................................................... 336

10.13.7 Trigger guarantee fund mechanism .................................................................... 336

10.13.7.1 Description……. .................................................................................... 336

10.13.7.2 Messages…… ....................................................................................... 338

10.13.8 Terminate AS processing ................................................................................... 338

10.13.8.1 Description…. ........................................................................................ 338

10.13.8.2 Messages…… ....................................................................................... 340

10.13.9 Execute start of procedure for AS settlement procedures C and D ................... 340

10.13.9.1 Description…. ........................................................................................ 340

10.13.9.2 Messages…… ....................................................................................... 342

10.13.10 Execute start of cycle for settlement procedure C .............................................. 342

10.13.10.1 Description…. ........................................................................................ 342

10.13.10.2 Messages…… ....................................................................................... 344

10.13.11 Execute end of cycle for AS settlement procedure C ......................................... 344

10.13.11.1 Description…. ........................................................................................ 344

10.13.11.2 Messages…… ....................................................................................... 346

10.13.12 End of procedure for AS settlement procedure C ............................................... 346

10.13.12.1 Description…. ........................................................................................ 346

10.13.12.2 Messages…… ....................................................................................... 348

10.13.13 Execute AS settlement procedure C................................................................... 348

_Ref3D7B11280B423AE07A26EB9D1EDE4A28_Ref0699ADB5B15ABABDA4C1FD4528827CE8_RefE131851379A6FCED76435C03C4AC7128_RefD2FB82D4F1730D174729F11FD881A4C3_Ref6416AB05C094D11D45DD83A9C5BC8A42_RefCF4D50D60F9A103C4A8AEE0ADE5467C5_RefF6434F5DDE26E20D346F569DCB7E1B20_Ref4470038A5264BB5020D2EC45535ED81D_RefDC6A52245FD52C22A9E6735CDD43598D_Ref252E640CC274E6D3FA5D6894F9F87AB4_RefD9D162E2D5878592DBCB3BF2CEA22075_Ref0426143476B328807DB9CA7F17BDA8E2_Ref5CFD4BE31015959A662FD1642684C3A6_Ref449D9284F1E6EEB4A0D33ED7C3DEC025_RefD449D105E46CF0706F416018578B4909

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10.13.13.1 Description…. ........................................................................................ 348

10.13.13.2 Messages…… ....................................................................................... 350

10.14 Reject payment orders at end of day .................................................................... 350

10.15 Revalidate warehoused payments at start of day ................................................. 351

10.16 Reject payment order............................................................................................ 353

10.16.1 Description…. .................................................................................................... . 353

10.16.2 Messages….. ...................................................................................................... 355

10.17 Modify current limit ................................................................................................ 355

10.17.1 Description… ...................................................................................................... 355

10.17.2 Messages…. ....................................................................................................... 357

10.18 Modify current reservation .................................................................................... 358

10.18.1 Description… ...................................................................................................... 358

10.18.2 Message…… ...................................................................................................... 361

10.19 Reference data management ............................................................................... 361

10.19.1 Maintain local reference data object ................................................................... 361

10.19.1.1 Maintain reservation .............................................................................. 361

10.19.1.2 Maintain limit… ...................................................................................... 363

10.20 Information services .............................................................................................. 365

10.20.1 Send RTGS query............................................................................................... 365

10.20.1.1 Description…. ........................................................................................ 365

10.20.1.2 Messages…… ....................................................................................... 367

10.20.2 Receive RTGS report ......................................................................................... 368

10.20.2.1 Description….. ....................................................................................... 368

10.20.2.2 Messages…… ....................................................................................... 370

10.20.3 Receive RTGS system notification ..................................................................... 370

10.20.3.1 Description…. ........................................................................................ 370

10.20.3.2 Messages…… ....................................................................................... 372

.

11 Dialogues and processes ................................................................................................... 373

11.1 Dialogues and processes between CRDM and CRDM Actor............................... 373

11.1.1 A2A Common reference data maintenance and query process ......................... 373

11.1.1.1 Reference data maintenance process ................................................... 373

11.1.1.1.1 Reference data objects ...................................................................... 374

11.1.1.2 Common reference data query .............................................................. 375

11.1.1.2.1 Reference data query message coverage ......................................... 376

11.1.2 Data Migration Tool file upload ........................................................................... 377

11.1.2.1 Data Migration Tool file upload processing steps ................................. 377

_Ref820D0A54503CB7FD9EA17084B6506507_RefF5154B9A88A9CDD5DFD024D6386CE7F1_Ref5979A3F276E0BE768D2E29837126949D_Ref9C3F3CBE5D2F1E9F4D7D37FCF1A1958D_Ref0B5FBE9042F7B18AE2D00EF82221E127_Ref9C8D2784424C26E0F9BE50F228F293B6_Ref7EC49D3FBE3A8DEB5BFFBC6CCE9FBD46_Ref806FAD0CAD2ED5E237502CA542C20EB0_RefE30644B8754DEC7CF939EC7CEE7F8A51_Ref72158B23BD9914C8BD80CF91AB09EC53_Ref6273FD83FCDC01E1FBDDBD0911434C53_RefA4E1F275E4BC7BCC7365F4E1DD54C480_RefE77046BA30C5B38026A43E9337FB170C_Ref11BF49FC2A0393D5740833272568BC2E_RefFAB56F558A148255BE972B22784EC5C0_Ref139D5F267196687DD423C0C613EE4ADC_RefAEC3609701C1A330E39D50CCA4C84CDD_Ref217377EFECF2DE8CABA86452C5B67386_Ref3A9623804D121B8EE9E900601AD01E3C_Ref710A877F79C0DC6F8A7A6FAF6D7FA33F_RefC56B1B11EDE435210EDAF5F150B0A4B1

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11.1.2.1.1 Upload DMT file .................................................................................. 378

11.1.2.1.2 DMT file validation .............................................................................. 378

11.1.2.1.3 DMT file release ................................................................................. 378

11.1.2.1.4 DMT file processing ............................................................................ 378

11.1.2.1.5 DMT file results provisioning .............................................................. 379

11.1.2.1.6 Download DMT file results ................................................................. 379

11.2 Dialogues and processes between ESMIG and ESMIG Actor ............................. 380

11.2.1 Communication processing ................................................................................ 380

11.2.1.1 Introduction….. ...................................................................................... 380

11.2.1.2 Schema validation ................................................................................. 380

11.2.1.3 Technical message validation ............................................................... 380

11.2.1.4 Inbound and Outbound messages ........................................................ 380

11.2.1.4.1 Inbound messages ............................................................................. 380

11.2.1.4.2 Outbound Messages .......................................................................... 380

11.2.1.4.3 ReceiptAcknowledgement (admi.007.001.01) ................................... 381

11.3 Dialogues and processes with data warehouse ................................................... 382

11.4 Dialogues and processes with billing .................................................................... 382

Part III - Catalogue of messages .................................................................... 383

12 Messages – introduction .................................................................................................... 383

13 Messages - general information ........................................................................................ 386

13.1 Message validation ............................................................................................... 386

13.1.1 Structure of ISO 20022 messages ...................................................................... 386

13.1.2 RTGS-specific schema customisation ................................................................ 388

13.1.3 XML character set ............................................................................................... 390

13.1.3.1 Schema validation ................................................................................. 391

13.1.3.1.1 Business validation ............................................................................. 394

13.2 Communication infrastructure ............................................................................... 395

13.2.1 Envelope messages ........................................................................................... 395

13.2.1.1 Business Application Header ................................................................ 395

13.2.1.2 Business File Header ............................................................................ 397

13.2.1.3 Digital Signature managed within the business layer ............................ 399

13.2.1.4 Time zones…. ....................................................................................... 399

13.2.1.5 Outbound traffic exceeding given size limitations ................................. 400

13.2.1.6 Re-sending of messages ....................................................................... 401

14 List of messages ................................................................................................................. 402

_Ref1C91188290AEEEC80CD4710950724698_RefE33E61E5BDA4B9E3CCE616338D3234C1_Ref214DB05DA2424BDFE07377F1A6DF83EA_RefDDE64E8507027F8E024E8ADFC4B83910_Ref8356F061A692BCCF93DFB0BE45825C40_Ref59AD032864E049DF324596C20EB1F6FF_Ref8866920271287D3AC54C7FD7B8A0C80E_Ref05FDC5361077ECA6D2E281AE0B16DB8E_Ref53271FE286F710B03B356C0F27CB60A8_Ref1EDD1F000266CB363334E0B8A2CC08BE_Ref8361549A06B5C7F8C412BA1E564F18E6_RefA99B60366588231D3F88933261EF93B5_Ref57F53108F997F69BE5330A128DC9D7E3_Ref9EA4A4C40A2645B72D21169E6CD2FD77_Ref02EB333999BB3359E4430E88E74C7DE6_Ref8A0FEF1B853BDA7D0C0C70E41E2582A7_Ref0A35DA79A009ACC4AA63067E396D70D0_RefC7C488A0E235C340CF3F62175C07CDA9_RefAE679454189E897E55B8B9874FB73838_Ref7744318208913427589232C5E7E2E988_Ref1A24D21E73F56142F2F0A9099C55F0BD_RefAC599DDC2098B08E8118D60C1159B845_RefC7BED01814356A44EEEE71C39BE907FC_RefB2B461A9B013885F34147C9BC7060B2D_Ref034E16D99950153B9B83F7984D5FE427_Ref12195F23053FAC8DA9942CA2FDB86FB5_Ref97AAA866C153CBB5C882A60DC5849124_RefAF3FCFD916DBDE431658AC8048EE5EFC_Ref6B21C80D5AC5159A396637917E9A907E_Ref327E8325259696281BFDD4F47F6C86C4_Ref41137FAC1AE60F6DC8C0698B3A86A9A0_RefFE0DFDF045164D24B80EC9B6373E37DA_Ref48C065D0882DFDFFBB73C14D08E40DC0

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14.1 Account management (acmt) ................................................................................ 405

14.1.1 AccountQueryList (acmt.025) ............................................................................. 405

14.1.1.1 Overview and scope of the message .................................................... 405

14.1.1.2 Schema……….. ..................................................................................... 405

14.1.1.3 The message in business context ......................................................... 406

14.1.2 AccountListReport (acmt.026) ............................................................................ 407


14.1.2.2 Schema……… ....................................................................................... 407


14.2 Administration (admi) ............................................................................................ 410

14.2.1 ReportQueryRequest (admi.005) ........................................................................ 410


14.2.1.2 Schema………. ..................................................................................... . 410


14.2.2 ReceiptAcknowledgement (admi.007) ................................................................ 412


14.2.2.2 Schema……… ....................................................................................... 413


14.3 Cash management (camt) .................................................................................... 416

14.3.1 GetAccount (camt.003) ....................................................................................... 416


14.3.1.2 Schema……… ....................................................................................... 416


14.3.2 ReturnAccount (camt.004) .................................................................................. 419


14.3.2.2 Schema………. ...................................................................................... 420


14.3.3 GetTransaction (camt.005) ................................................................................. 437


14.3.3.2 Schema………… ................................................................................... 438


14.3.4 ReturnTransaction (camt.006) ............................................................................ 446


14.3.4.2 Schema………. ...................................................................................... 446


14.3.5 ModifyTransaction (camt.007) ............................................................................ 452


14.3.5.2 Schema………….. ................................................................................. 452


_RefCF051693C9FE202BFAC98F3175E74E0C_Ref5F81155F43AC29B8A340AD04B3CF7706_RefEDB933D0D916AB00ACF926058AFFA5EE_RefA80B4817ACE92A86F249EDFE02681E50_Ref5A5A5429F16CEA32DC605C3E950F981E_Ref158E880DA78477855DE178CCE1762657_RefAF7C1DDCB6251EB2D2D1AC1E388AF6D8_Ref7442C8EDBD77FE8FDDAF042CFB795D50_Ref96A77F280746669E9CD99034C754B0F1_Ref2373C05166C8CEF5E6DE9747240E6021_RefE7A45624E7A538829D919342D7A81F5C_RefE41AEA1157AF0AD25374CBA4AED085C7_Ref73FCF5C67BCC6C0D20E821951CA6AB92_Ref86705923427123DA13FFC9F0C5360C92_Ref4F06E305694C7E9E571995C43203EEA7_Ref6ABBA739612BE9CFA005F613E5544280_Ref8DD5CB313002AE9B0F77E78E4CF7185D_RefBF98C0AEECC04D54558B7703B7757D90_Ref61912C643BFF63DD566120AADE47576E_Ref173429F59369ECDF7C5BE06E11C57EB1_Ref276CFE07A0DAA5BA21C0E01712559617_RefA98AA90E5B906EDF22211858EA20F6D6_Ref3135BD4B1E31B1B5C56684D6EA71E800_Ref85B2993F00B408E9A23618A797624216_RefABA75549DA69B2CAEDE43617110DDE23_Ref2A88E896D04478EE467FF427428E181C_RefEA1D1C4C53988C60AB4817E95435DC9A_Ref8DC8B01B6E449A048996C334CD7ADBA4_Ref9451CEFCBD50F7C7F9E9E0EF89B2B7EE_Ref558338ADE9193B93A684C83DF844998F

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14.3.6 GetLimit (camt.009) ............................................................................................ 454


14.3.6.2 Schema………… ................................................................................... 455


14.3.7 ReturnLimit (camt.010) ....................................................................................... 456


14.3.7.2 Schema……… ....................................................................................... 457


14.3.8 ModifyLimit (camt.011) ....................................................................................... 460


14.3.8.2 Schema……… ....................................................................................... 460


14.3.9 DeleteLimit (camt.012) ........................................................................................ 463


14.3.9.2 Schema……… ....................................................................................... 463


14.3.10 GetBusinessDayInformation (camt.018) ............................................................. 466


14.3.10.2 Schema……… ....................................................................................... 466


14.3.11 ReturnBusinessDayInformation (camt.019) ........................................................ 468


14.3.11.2 Schema………. ...................................................................................... 468


14.3.12 ReturnGeneralBusinessInformation (camt.021) ................................................. 472


14.3.12.2 Schema………… ................................................................................... 472


14.3.13 ModifyStandingOrder (camt.024) ........................................................................ 483


14.3.13.2 Schema………. ...................................................................................... 484


14.3.14 Receipt (camt.025).............................................................................................. 488


14.3.14.2 Schema……….. ..................................................................................... 489


14.3.15 ResolutionOfInvestigation (camt.029) ................................................................ 497


14.3.15.2 Schema………. ...................................................................................... 498


_RefD51DF0EA5C6CFEE002A24BFAC55996D6_RefC96120CCAE98B54ADB6620FA77D077AD_Ref73FC0D88A722618952472B40DBE95BBC_Ref29E8B36A0452BE573A138409512A95DB_Ref07C9CC55235351AAFF0BB7FF84CAC6D1_Ref63D6ABA9C01F68B3252A586238505414_Ref0CB02A995E1CF1EBD7F6577BAFD52D0A_Ref9D288781B89983DD55C0ADF07B2CCFC8_RefA66CCC2A5A81E1C762B4C86A6473AFA7_Ref376DB1DDCE51CBD8D09C4CB719D315E9_Ref54A68234EB16CC50283264AF9D18103E_RefACB452D3F97B2187EA8F41D4404083DF_Ref4B7E06C4FCA9367B2C0CFAA1EB4B9C6A_Ref8A436DCE5D0080D18CA8F5A38B65D72B_Ref3771BE12AD9686B276720D5D54028D6A_Ref6505F25672623D6542E50E3F0FAFA2B7_Ref6A4D15A12650007C2F5916D576944E4A_Ref3A1B1C2745E4972A25929F0F7A84430E_RefBF3D7C33E1703266E62FF59454F9DA4F_RefB35C2FD24F7FF924D985CCE42E6B40A2_Ref58B06A97FEB4B91AC5187DFAA567F752_Ref5D6091A94A6CBA20157A0F25B0EDAA11_Ref1351B2C27F73EEFD1A4D492959256E0D_Ref4DFFD1B0F6D58C90AC4B456820035876_Ref76EA8BF2F82536A9B3028F0B720FF184_Ref5ABCF55A0D80EB7B8690199A3D81B850_Ref4AA503704DA046BCED834AAA5ADA50DE_Ref6E3269A0448CACDA46FB6960CA1F5D3B_Ref71086882C94A76A1CE46C6ECA785B76F_RefC5F2B19DC8AAD77261E82C397EF7EAF3

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14.3.16 GetReservation (camt.046) ................................................................................. 502


14.3.16.2 Schema………….. ................................................................................. 503


14.3.17 ReturnReservation (camt.047) ............................................................................ 504


14.3.17.2 Schema………… ................................................................................... 504


14.3.18 ModifyReservation (camt.048) ............................................................................ 507


14.3.18.2 Schema……… ....................................................................................... 507


14.3.19 DeleteReservation (camt.049) ............................................................................ 510


14.3.19.2 Schema……… ....................................................................................... 511


14.3.20 LiquidityCreditTransfer (camt.050) ..................................................................... 512


14.3.20.2 Schema……….. ..................................................................................... 513


14.3.21 BankToCustomerStatement (camt.053) ............................................................. 519


14.3.21.2 Schema………… ................................................................................... 520


14.3.22 BankToCustomerDebitCreditNotification (camt.054) .......................................... 533


14.3.22.2 Schema………. ...................................................................................... 535


14.3.23 FIToFIPaymentCancellationRequest (camt.056) ............................................... 546


14.3.23.2 Schema……… ....................................................................................... 546


14.3.24 GetStandingOrder (camt.069) ............................................................................ 550


14.3.24.2 Schema………. ...................................................................................... 550


14.3.25 ReturnStandingOrder (camt.070) ....................................................................... 552


14.3.25.2 Schema……… ....................................................................................... 552


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14.3.26 DeleteStandingOrder (camt.071) ........................................................................ 558


14.3.26.2 Schema………….. ................................................................................. 558


14.3.27 AuditTrailQuery (camt.097) ................................................................................. 559


14.3.27.2 Schema……… ....................................................................................... 560


14.3.28 AuditTrailReport (camt.098) ................................................................................ 561


14.3.28.2 Schema……… ....................................................................................... 562


14.3.29 DirectDebitMandateQuery (camt.099) ................................................................ 565


14.3.29.2 Schema……… ....................................................................................... 565


14.3.30 DirectDebitMandateReport(camt.100) ................................................................ 567


14.3.30.2 Schema………… ................................................................................... 567


14.4 Headers (head) ..................................................................................................... 570

14.4.1 BusinessApplicationHeader (head.001) ............................................................. 570


14.4.1.2 Schema………… ................................................................................... 570


14.4.2 BusinessFileHeader (head.002) ......................................................................... 572


14.4.2.2 Schema………. ...................................................................................... 573


14.5 Payments clearing and settlement (pacs)............................................................. 576

14.5.1 PaymentStatusReport (pacs.002)....................................................................... 576


14.5.1.2 Schema………… ................................................................................... 576


14.5.2 PaymentReturn (pacs.004) ................................................................................. 579


14.5.2.2 Schema………. ...................................................................................... 580


14.5.3 CustomerCreditTransfer (pacs.008) ................................................................... 585

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Table of contents



14.5.3.2 Schema……… ....................................................................................... 585


14.5.4 FinancialInstitutionCreditTransfer (CORE and COV) (pacs.009) ....................... 592


14.5.4.2 Schema……… ....................................................................................... 593


14.5.5 FinancialInstitutionDirectDebit (pacs.010) .......................................................... 608


14.5.5.2 Schema………. ...................................................................................... 609


14.6 Payment initiation (pain) ....................................................................................... 614

14.6.1 ASTransferNotice (pain.998) .............................................................................. 614


14.6.1.2 Schema……… ....................................................................................... 615


14.6.2 ASInitiationStatus (pain.998) .............................................................................. 623


14.6.2.2 Schema………. ...................................................................................... 624


14.6.3 ASTransferInitiation (pain.998) ........................................................................... 636


14.6.3.2 Schema……… ....................................................................................... 636


14.7 Reference data (reda) ........................................................................................... 650

14.7.1 PartyQuery (reda.015) ........................................................................................ 650


14.7.1.2 Schema………… ................................................................................... 650


14.7.2 PartyReport (reda.017) ....................................................................................... 652


14.7.2.2 Schema……… ....................................................................................... 652


14.7.3 CashAccountAuditTrailQuery (reda.039) ............................................................ 655


14.7.3.2 Schema……… ....................................................................................... 655


14.7.4 CashAccountAuditTrailReport (reda.040) ........................................................... 656


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Table of contents


14.7.4.2 Schema………… ................................................................................... 656


14.7.5 PartyAuditTrailQuery (reda.042) ......................................................................... 660


14.7.5.2 Schema………… ................................................................................... 660


14.7.6 PartyAuditTrailReport (reda.043) ........................................................................ 661


14.7.6.2 Schema……….. ..................................................................................... 662


14.7.7 CalendarQuery (reda.064) .................................................................................. 665


14.7.7.2 Schema……… ....................................................................................... 665


14.7.8 CalendarReport (reda.065) ................................................................................. 666


14.7.8.2 Schema……… ....................................................................................... 666


Part IV - Appendixes ................................................................................... … 669

15 Index and digital signature ................................................................................................. 669

15.1 Index of business rules and error codes ............................................................... 669

15.2 Digital signature on business layer ....................................................................... 712

15.3 Mechanism and introduction for signature constructions ..................................... 712

15.4 Use of XML and canonicalisation algorithm.......................................................... 713

15.5 Message type 1: file with multiple ISO 20022 messages ..................................... 713

15.6 Message type 2: single ISO 20022 message ....................................................... 718

15.7 ESMIG digital signature services usage of “ds:object”, attribute ID of the “signature”

and “keyinfo”, anchor of trust ......................................................................... 722

16 Glossary………. ................................................................................................................... 725

17 List of abbreviations ........................................................................................................... 746

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List of figures


List of figures

Figure 1 - Structure of the RTGS UDFS .......................................................................................................... 33

Figure 2 - Connectivity (U2A/A2A) .................................................................................................................. 37

Figure 3 - Technical sender authentication ..................................................................................................... 40

Figure 4 - Routing A ......................................................................................................................................... 46

Figure 5 - Routing B ......................................................................................................................................... 46

Figure 6 - Inbound routing ............................................................................................................................... 47

Figure 7 - Outbound routing............................................................................................................................. 48

Figure 8 - Linked MCA DCA ............................................................................................................................ 56

Figure 9 - Settlement windows ........................................................................................................................ 75

Figure 10 - pacs.008 – CustomerCreditTransfer/pacs.009 - FinancialInstitutionCreditTransfer ..................... 93

Figure 11 - pacs.004 - PaymentReturn ........................................................................................................... 95

Figure 12 - pacs.010 FinancialInstitutionDirectDebit

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