UN/EDIFACT Message Type : Batch : DIRDEB

__ United Nations Directories for Electronic Data Interchange for Administration, Commerce and Transport __UN/EDIFACT

Message Type : DIRDEB Version : D Release : 08A Contr. Agency: UN Revision : 6 Date : 2008-05-30 SOURCE: TBG5 Finance CONTENTS Direct debit message 0. INTRODUCTION 1. SCOPE 1.1 Functional definition 1.2 Field of application 1.3 Principles 2. REFERENCES 3. TERMS AND DEFINITIONS 3.1 Standard terms and definitions 4. MESSAGE DEFINITION 4.1 Segment clarification 4.2 Segment index (alphabetical sequence by tag) 4.3 Message structure 4.3.1 Segment table ---------------------------------------------------------------------- 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 ---------------------------------------------------------------------- 0. INTRODUCTION This specification provides the definition of the Direct debit message (DIRDEB) to be used in Electronic Data Interchange (EDI) between trading partners involved in administration, commerce and transport. 1. SCOPE 1.1 Functional definition Prior to the Direct Debit procedure, some agreement(s) would usually have been concluded : - agreement between the Creditor and his Bank (mainly to specify the conditions of credit and the kind of direct debit). - agreement between the Debtor and the Debtor's Bank (i.e. pre- authorization and condition of debit), or between the Creditor and the Debtor. A Direct Debit is sent by the Creditor to the Creditor's Bank instructing it to claim specified amount(s) from the Debtor(s) and to credit the amount(s) to an account specified in the message, which the Creditor's Bank services for the Creditor in settlement of the referenced transaction(s). Throughout this document the term 'Creditor' refers to either a Beneficiary or a Payee, likewise the term 'Debtor' refers to either an Ordering Customer or a Payor. The term 'Bank' may be interpreted as any financial institution. The term 'pre-authorization' refers to an agreement between a Creditor and a Debtor for - either automatic debiting, as required, - or for debiting unless rejected by the debtor in a period of time. The agreement can also be made between the debtor and his bank, independently of the amount of the DIRDEB. 1.2 Field of application The Direct debit 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. This message type may be applied, for both national and international settlements, but it is based on the national existing rules of the debit side. 1.3 Principles - A Direct Debit may cover the financial settlement(s) of one or more commercial trade transactions, such as invoices, credit notes, debit notes, etc. It is not intended for use in securities trading. - Several credit accounts, execution dates and currencies may be specified. - Charges may be borne on account(s) different of the account(s) held by the Creditor. - The Creditor's Bank may need a confirmation/authorization (AUTHOR) from the creditor to be able to process the Direct Debit Message. - Pre-authorized and non pre-authorized direct debits shall not be mixed within the same message. - The only way to modify a Direct Debit message is to cancel the whole message or a transaction thereof (e.g. by the use of the FINCAN message). In that respect, one to many order(s) could be cancelled within the message, avoiding to be obliged to cancel the whole message. The cancellation of a message can only be effected by the originator of the message. The kind of cancellation is dependent upon the process of the message or a transaction of it. 2. REFERENCES See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 1. 3. TERMS AND DEFINITIONS 3.1 Standard terms and definitions See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 2. 4. MESSAGE DEFINITION 4.1 Segment clarification 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 Direct Debit message is structured in three levels: A, B and C. - Level A contains general data related to the whole message and is contained in Segment Groups 1, 2, 3 and 24. - Level B contains data from the credit side (one credit account, one currency, one execution day) and data which applies to all the dependent C levels and is contained in Segment Group 4 through Segment Group 10. - Level C contains mainly data related to the debit side and, may contain remittance information. This data is considered as unique for each debit transaction and is contained in Segment Group 11 through Segment Group 23. The structure of the message is designed to allow several B levels, each B level being followed by its related C levels. 0010UNH, Message header A service segment starting and uniquely identifying a message. The message type code for the Direct debit message is DIRDEB. Note: Direct debit messages conforming to this document must contain the following data in segment UNH, composite S009: Data element 0065 DIRDEB 0052 D 0054 08A 0051 UN 0020BGM, Beginning of message A segment by means of which the sender must uniquely identify the DIRDEB message using its type (e.g., kind of pre-authorized instructions or not pre-authorized) and number and its function. The requirement for a response, e.g., related credit advices, may be indicated. Note: The identification of the DIRDEB will be passed back to the creditor for reconciliation purposes. 0030DTM, Date/time/period A segment specifying the date and/or time the message is created. 0040BUS, Business function A segment identifying certain characteristics of the DIRDEB, such as, its business function. In so doing, it provides information about the message that may be used to route the message within an institution, for tariffing, or for the provision of some statistical information. 0050 Segment group 1: RFF-DTM A group of segments identifying a previously sent message. 0060RFF, Reference A segment identifying a previously sent message. 0070DTM, Date/time/period A segment identifying the date/time of the previously sent message. 0080 Segment group 2: FII-CTA-COM A group of segments identifying the financial institutions involved in the direct debit, their functions and their contacts. 0090FII, Financial institution information A segment identifying the financial institution associated with the transaction and their functions. 0100CTA, Contact information A segment identifying a person or a department for the party specified in the leading FII segment to whom communication should be directed. 0110COM, Communication contact A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment. 0120 Segment group 3: NAD-CTA-COM A group of segments identifying the name(s) and address(es) of each non-financial party involved in the transaction, their functions and their contacts. 0130NAD, Name and address A segment identifying names and addresses of the parties associated with the direct debit, in coded or uncoded form, and their functions. 0140CTA, Contact information A segment identifying a person or a department for the party specified in the leading NAD segment and to whom communication should be directed. 0150COM, Communication contact A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment. 0160 Segment group 4: LIN-DTM-RFF-BUS-FCA-SG5-SG6-SG7-SG8-SG9-SG10- SG11 A group of segments containing information regarding the credit side of the transaction and details which are pertinent to all direct debits specified within the group. Certain payment details may be provided either in segment group 4 or in segment group 11, but not in both. 0170LIN, Line item A segment identifying the beginning of the credit side of the transaction (B level) by a sequential line number, which may also be used for reconciliation purposes. 0180DTM, Date/time/period A segment identifying the date, at which an order has been requested to be executed or acted upon. 0190RFF, Reference A segment specifying reference of the single credit amount on the credit side of the transaction (B level). Note: The identification will be passed back to the creditor for reconciliation purposes. 0200BUS, Business function A segment identifying certain characteristics of the direct debits stored on the debit side of the transaction (C level), such as business function. 0210FCA, Financial charges allocation A segment specifying the method for allocation of charges and allowances and identifying the creditor's account to which such charges or allowances should be directed where it is different from the principal account. This constitutes a default specification and is mutually exclusive with the FCA segment in Segment Group 11. 0220 Segment group 5: MOA-CUX-DTM-RFF A group of segments containing the currency of the single amounts on the debit side of the transaction (C level), currency to be collected, plus the total of all single amounts of the debit side of the transaction (C level). 0230MOA, Monetary amount A segment specifying the total amount and the currency to be collected. 0240CUX, Currencies A segment specifying the source currency and the target currency of the transaction, when they are different. The rate of exchange is solely used when previously agreed between the creditor and the creditor's bank. 0250DTM, Date/time/period A segment identifying the effective date and/or time the rate of exchange was fixed. The other occurrence identifies the reference date. 0260RFF, Reference A segment identifying other transactions to which funds associated with the direct debit are related such as separate foreign exchange deal. 0270 Segment group 6: FII-CTA-COM A group of segments containing the account servicing bank including the account to be credited. If the creditor is not quoted separately in the NAD segment on the credit side of the transaction (B level), then this group also contains the information of the creditor. 0280FII, Financial institution information A segment identifying the financial institution and relevant account number associated with the transaction, and their functions. 0290CTA, Contact information A segment identifying a person or a department for the party specified in the leading FII segment to whom communication should be directed. 0300COM, Communication contact A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment. 0310 Segment group 7: NAD-CTA-COM A group of segments identifying the creditor. Furthermore, one contact party can also be quoted in this group. 0320NAD, Name and address A segment identifying name and address of the non- financial institutions associated with the credit side of the transaction (B level). 0330CTA, Contact information A segment identifying a person or a department for the party specified in the leading NAD segment to whom communication should be directed. 0340COM, Communication contact A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment. 0350 Segment group 8: INP-FTX-DTM A group of segments containing instructions from the creditor relating to parties identified in the NAD and FII segments. It specifies action to be taken by the identified parties, and the date (and optionally time) by which such action needs to be taken. 0360INP, Parties and instruction A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form. 0370FTX, Free text A segment providing free text instruction relating to the associated INP segment. 0380DTM, Date/time/period A segment specifying the earliest and latest dates and/or times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out. 0390 Segment group 9: GEI-MOA-LOC-NAD-RCS-FTX 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. This group is mutually exclusive with Segment Group 15. 0400GEI, Processing information A segment identifying what processing should be completed for regulatory authorities. 0410MOA, Monetary amount A segment giving the amount and the currency of each transaction to be reported. 0420LOC, Place/location identification A segment giving the different origins/destinations (places) of goods/investment/services. 0430NAD, Name and address A segment identifying a party related to the associated informative text. 0440RCS, Requirements and conditions A segment giving the nature (e.g. goods, transport services) and direction of each transaction to be reported in coded form. 0450FTX, Free text A segment giving information in coded or in clear form to provide information relevant to regulatory authorities requirements. 0460 Segment group 10: PRC-FTX A group of segments giving information in free form about the purpose of the direct debit from the creditor to the debtors. 0470PRC, Process identification A segment identifying the kind of process at the debtor's side. 0480FTX, Free text A segment providing clear form information from the creditor to the debtor. 0490 Segment group 11: SEQ-MOA-DTM-BUS-RFF-PAI-FCA-SG12-SG13- SG14-SG15-SG16 This Segment Group contains information regarding the debtor(s) of the direct debit. Certain payment details may be provided either in Segment Group 11 or in Segment Group 4, but not in both. 0500SEQ, Sequence details A segment identifying the beginning of the debit side of the transaction (C level) by a sequential number, which may also be used for reconciliation purposes. 0510MOA, Monetary amount A segment giving the amount of the direct debit. It is the amount to be collected. The currency is quoted on the credit side of the transaction (B level). 0520DTM, Date/time/period A segment identifying date(s)/time(s) to the debtor's side. 0530BUS, Business function A segment identifying business information for the direct debit. 0540RFF, Reference A segment identifying a transaction from the creditor to the debtor and/or from the creditor to the creditor's bank. 0550PAI, Payment instructions A segment specifying the conditions, method and channel of payment for the direct debit. 0560FCA, Financial charges allocation A segment specifying the method for allocation of charges and allowances and identifying the creditor's account to which such charges or allowances should be directed where it is different from the principal account. This segment is mutually exclusive with the FCA segment in Segment Group 4. 0570 Segment group 12: FII-CTA-COM A group of segments containing the debtor's bank and the account and if necessary up to two intermediary banks. 0580FII, Financial institution information A segment identifying the financial institution and relevant account number associated with the transaction, and their functions. 0590CTA, Contact information A segment identifying a person or a department for the party specified in the leading FII segment to whom communication should be directed. 0600COM, Communication contact A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment. 0610 Segment group 13: NAD-CTA-COM A group of segments identifying the name and address of the debtor and one contact party. 0620NAD, Name and address A segment identifying names and addresses of the non- financial institutions associated with the direct debit on the debtor's side . 0630CTA, Contact information A segment identifying a person or a department for the party specified in the leading NAD segment to whom communication should be directed. 0640COM, Communication contact A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment. 0650 Segment group 14: INP-FTX-DTM A group of segments containing instructions from the creditor relating to parties identified in the NAD and FII segments. It specifies action to be taken by the identified parties, and the date (and optionally time) by which such actions needs to be taken. 0660INP, Parties and instruction A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form. 0670FTX, Free text A segment providing free text instruction relating to the associated INP segment. 0680DTM, Date/time/period A segment specifying the earliest and latest dates and/or times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out. 0690 Segment group 15: GEI-MOA-LOC-NAD-RCS-FTX 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. 0700GEI, Processing information A segment identifying what processing should be completed for regulatory authorities. 0710MOA, Monetary amount A segment giving the amount and the currency of each transaction to be reported. 0720LOC, Place/location identification A segment giving the different origins/destinations (places) of goods/investment/services. 0730NAD, Name and address A segment identifying a party related to the associated informative text. 0740RCS, Requirements and conditions A segment giving the nature (e.g. goods, transport services) and direction of each transaction to be reported in coded form. 0750FTX, Free text A segment giving information in coded or in clear form to provide information relevant to regulatory authorities requirements. 0760 Segment group 16: PRC-FTX-SG17-SG23 A group of segments containing the details of the direct debit. The content of these segments is passed through the banking chain from the creditor to the debtor. 0770PRC, Process identification A segment identifying the kind of processing at the debtor's side. 0780FTX, Free text A segment providing free text instruction(s) relating to the direct debit details. 0790 Segment group 17: DOC-MOA-DTM-RFF-NAD-SG18-SG19-SG20 A group of segments providing details of all documents e.g., invoices, statements, despatch advices, etc., to which the direct debit 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. 0800DOC, Document/message details A segment identifying the reference document against which payment is being made. 0810MOA, Monetary amount 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. 0820DTM, Date/time/period A segment specifying the date of the referenced document and indicating any other relevant dates applicable. 0830RFF, Reference A segment for the inclusion of any additional references related to the reference document. 0840NAD, Name and address A segment identifying a party name and address, either by coded identification or in a clear form. 0850 Segment group 18: CUX-DTM A group of segments specifying the currencies and the related dates/periods valid to the referenced document where different to the reference currency. 0860CUX, Currencies A segment identifying the currency and associated exchange rate of the referenced document where different to the remittance currency. 0870DTM, Date/time/period A segment specifying the date/time/period related to the rate of exchange. 0880 Segment group 19: AJT-MOA-RFF-FTX A group of segments indicating adjustment amounts and their referenced documents. 0890AJT, Adjustment details 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. 0900MOA, Monetary amount A segment giving the monetary amounts of the adjustments of each reference document (e.g. original amounts, discount amount, etc.). The currency data elements should not be used. 0910RFF, Reference A segment for the inclusion of any additional references related to the reference documents. 0920FTX, Free text A segment providing free text information related to the payment details. 0930 Segment group 20: DLI-MOA-PIA-DTM-SG21-SG22 A group of segments which may be used when required to provide details of individual line items in the reference document. 0940DLI, Document line identification A segment identifying a specific line item within the reference document. 0950MOA, Monetary amount A segment giving the monetary amounts for this line item. 0960PIA, Additional product id A segment specifying item identification codes where required. 0970DTM, Date/time/period A segment specifying the date/time/period related to the line item. 0980 Segment group 21: CUX-DTM A group of segments specifying the currencies and the related dates/periods valid to the referenced document where different to the reference currency. 0990CUX, Currencies A segment identifying the currency and associated exchange rate of the referenced document where different to the remittance currency. 1000DTM, Date/time/period A segment specifying the date/time/period related to the rate of exchange. 1010 Segment group 22: AJT-MOA-RFF-FTX A group of segments indicating adjustment amounts and their reference documents. 1020AJT, Adjustment details 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. 1030MOA, Monetary amount A segment giving the monetary amounts of the adjustments of each reference document (e.g. original amounts, discount amounts, etc.). The currency data elements should not be used. 1040RFF, Reference A segment for the inclusion of any additional references related to the reference document. 1050FTX, Free text A segment providing free text information related to the payment details. 1060 Segment group 23: GEI-MOA A group of segments indicating the end of the details of payment and specifying hash total amounts for control purposes. 1070GEI, Processing information A segment identifying the end of the details of payment. 1080MOA, Monetary amount A segment indicating total amounts for control purposes. 1090CNT, Control total A segment providing information on control totals. 1100 Segment group 24: AUT-DTM A group of segments specifying details of any authentication (validation) procedures applied to the DIRDEB message. 1110AUT, Authentication result A segment specifying the details of any authentication (validation) procedures applied to the DIRDEB message. 1120DTM, Date/time/period A segment identifying the validation date/time. 1130UNT, Message trailer 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. 4.2 Segment index (alphabetical sequence by tag) AJT Adjustment details 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 PIA Additional product id PRC Process identification RCS Requirements and conditions RFF Reference SEQ Sequence details UNH Message header UNT Message trailer

4.3 Message structure 4.3.1 Segment table Pos Tag Name S R 0010UNH Message header M 1 0020BGM Beginning of message M 1 0030DTM Date/time/period M 1 0040BUS Business function C 1 0050 ----- Segment group 1 ------------------ C 2-----------+ 0060RFF Reference M 1 | 0070DTM Date/time/period C 1-----------+ 0080 ----- Segment group 2 ------------------ C 5-----------+ 0090FII Financial institution information M 1 | 0100CTA Contact information C 1 | 0110COM Communication contact C 5-----------+ 0120 ----- Segment group 3 ------------------ C 3-----------+ 0130NAD Name and address M 1 | 0140CTA Contact information C 1 | 0150COM Communication contact C 5-----------+ 0160 ----- Segment group 4 ------------------ M 9999--------+ 0170LIN Line item M 1 | 0180DTM Date/time/period C 2 | 0190RFF Reference C 2 | 0200BUS Business function C 1 | 0210FCA Financial charges allocation C 1 | | 0220 ----- Segment group 5 ------------------ C 1----------+| 0230MOA Monetary amount M 1 || 0240CUX Currencies C 1 || 0250DTM Date/time/period C 2 || 0260RFF Reference C 1----------+| | 0270 ----- Segment group 6 ------------------ M 1----------+| 0280FII Financial institution information M 1 || 0290CTA Contact information C 1 || 0300COM Communication contact C 5----------+| | 0310 ----- Segment group 7 ------------------ C 3----------+| 0320NAD Name and address M 1 || 0330CTA Contact information C 1 || 0340COM Communication contact C 5----------+| | 0350 ----- Segment group 8 ------------------ C 1----------+| 0360INP Parties and instruction M 1 || 0370FTX Free text C 1 || 0380DTM Date/time/period C 2----------+| | 0390 ----- Segment group 9 ------------------ C 10---------+| 0400GEI Processing information M 1 || 0410MOA Monetary amount C 1 || 0420LOC Place/location identification C 2 || 0430NAD Name and address C 1 || 0440RCS Requirements and conditions C 1 || 0450FTX Free text C 10---------+| | 0460 ----- Segment group 10 ------------------ C 1----------+| 0470PRC Process identification M 1 || 0480FTX Free text M 1----------+| | 0490 ----- Segment group 11 ------------------ M 999999-----+| 0500SEQ Sequence details M 1 || 0510MOA Monetary amount M 1 || 0520DTM Date/time/period C 1 || 0530BUS Business function C 1 || 0540RFF Reference C 3 || 0550PAI Payment instructions C 1 || 0560FCA Financial charges allocation C 1 || || 0570 ----- Segment group 12 ------------------ C 3---------+|| 0580FII Financial institution information M 1 ||| 0590CTA Contact information C 1 ||| 0600COM Communication contact C 5---------+|| || 0610 ----- Segment group 13 ------------------ C 3---------+|| 0620NAD Name and address M 1 ||| 0630CTA Contact information C 1 ||| 0640COM Communication contact C 5---------+|| || 0650 ----- Segment group 14 ------------------ C 3---------+|| 0660INP Parties and instruction M 1 ||| 0670FTX Free text C 1 ||| 0680DTM Date/time/period C 2---------+|| || 0690 ----- Segment group 15 ------------------ C 10--------+|| 0700GEI Processing information M 1 ||| 0710MOA Monetary amount C 1 ||| 0720LOC Place/location identification C 2 ||| 0730NAD Name and address C 1 ||| 0740RCS Requirements and conditions C 1 ||| 0750FTX Free text C 10--------+|| || 0760 ----- Segment group 16 ------------------ C 1---------+|| 0770PRC Process identification M 1 ||| 0780FTX Free text C 5 ||| ||| 0790 ----- Segment group 17 ------------------ C 9999-----+||| 0800DOC Document/message details M 1 |||| 0810MOA Monetary amount C 5 |||| 0820DTM Date/time/period C 5 |||| 0830RFF Reference C 5 |||| 0840NAD Name and address C 2 |||| |||| 0850 ----- Segment group 18 ------------------ C 5-------+|||| 0860CUX Currencies M 1 ||||| 0870DTM Date/time/period C 1-------+|||| |||| 0880 ----- Segment group 19 ------------------ C 100-----+|||| 0890AJT Adjustment details M 1 ||||| 0900MOA Monetary amount M 1 ||||| 0910RFF Reference C 1 ||||| 0920FTX Free text C 5-------+|||| |||| 0930 ----- Segment group 20 ------------------ C 1000----+|||| 0940DLI Document line identification M 1 ||||| 0950MOA Monetary amount M 5 ||||| 0960PIA Additional product id C 5 ||||| 0970DTM Date/time/period C 5 ||||| ||||| 0980 ----- Segment group 21 ------------------ C 5------+||||| 0990CUX Currencies M 1 |||||| 1000DTM Date/time/period C 1------+||||| ||||| 1010 ----- Segment group 22 ------------------ C 10-----+||||| 1020AJT Adjustment details M 1 |||||| 1030MOA Monetary amount M 1 |||||| 1040RFF Reference C 1 |||||| 1050FTX Free text C 5------+++||| ||| 1060 ----- Segment group 23 ------------------ C 1--------+||| 1070GEI Processing information M 1 |||| 1080MOA Monetary amount C 5--------++++ 1090CNT Control total C 5 1100 ----- Segment group 24 ------------------ C 5-----------+ 1110AUT Authentication result M 1 | 1120DTM Date/time/period C 1-----------+ 1130UNT Message trailer M 1